This is the time of year when mail and phone frauds are high since people are in a giving mode during the holidays. Be very careful and check the legitimacy of each organization that you are tempted to give to, and never give any funds to door to door solicitors before doing the research!!

Don't be afraid to caution an older family member about these frauds as older persons are often the most vulnerable -- their generation didn't have these issues to the same degree in their younger years so they are often unsuspecting.