What's acon game? Most of
the time it’s a setup. Swindlers
prey on people who have a tidy
sum to invest. Ora little cash in
a savings account. They trick
people into handling over their
cash and then leave them flat.

So it’s. called a con game.
Most of the time, the swindlers
win. You know how? Because
they cheat - swindlers know
the rules of the game. You
don't.

Well; why not turn the ta- .

bies? Below are some common
fraudulent situations that often
lure people into being conned.
Becoming aware of such situa-
tions can help you avoid being:
conned. oe

2 Somebody. offers: you
something for nothing or ata
surprisingly low price.

e You are asked to pay large
sums in cash...

e Astranger asks you about
~ your personal finances.

Many situations are. not...

quite. as ‘simple as ‘these.

~ Swindlers come in many dis- ©

guises and they're creative.

Charity fraud is very common —
and does a lot of harm. The
swinder takes advantage of
people’s goodwill and takes their
cash — money that was meant for
people in need.

as

© Don’t fall for high-pres-
sure tactics. If solicitors won’t
take “no” for an answer, give it
to them anyway - but don’t give
them your money.

° Be suspicious of charities

ie only accept cash. And al-

ways send a check made out to

the organization, not to an in-
dividual.

® If a solicitor reaches you
by telephone, offer to mail your

donation. Shady solicitors usu-

ally want to collect quickly.

(NC)—This worksheet will give you an idea of how expensive your retirement
lifestyle is likely to be, Put.a check mark in the appropriate expense category. If any.
of the activities below will result in reduced expenditures compared to your current:

. Jifestyle, check the * ‘Money Saver” category. For activities listed that don’t apply, a
‘leave all categories blank. Using the completed worksheet, you can work with your

Investment Professional to determine how Jour sehenent lifestyle will inflience

your income needs.

Charity fraud is very com-

- mon and does.a-lot of harm., ;

* The swindler takes advantage
of people’s goodwill and takes

their cash - money that was

meant - for’ people in need.

_ Then, when legitimate chart |
‘ties ask for donations, those
. who have been conned maybe .~
“reluctant to give again for. fear

“of being taken for granted.

“You can ‘make sure that any
money you give gets into’ the ©
right hands. Remember these. 3
- pointers. when’ somebody asks z

“you for a donation:

~~ @ Ask for identification - the os
organization, the solicitor. Find’
out what the purpose of the «
charity is and how funds are:

used. Ask if contributions are
tax deductible. If you're not sat-
isfied with the answers - don’t
give!

Give to charities that you
know. Check out the ones .
you've never heard of before,
or. others. whose names are
similar to a well-known charity. |

Housing
(will stay in my current home:

twill move.to less expensive accommodation’.
1 will move to more expensive accommodation a

“Lintend to renovate my home

“1 will by 3 winter. fesidence/vecation property
Fravel >

“a1 plan to travel ental 7

A will travel occasionally i pti
“Lplan to visit family members ote,
Leisure :

| expect io ‘play alot of oll
“| expect to play other sports

A expect to spend money on hobbies.
“expect to eatin restaurants frequently
plan to entertain. 2. :

: - Family ties’ 2 aE
<< will help support family qenbes

Family members will help support me 2
* {intend to leave a substantial estate
1 intend to leave a moderate estate
| don't intend to leave an estate
_ Business/employment
| will work part-time
~ ‘want to start a business
twill sell my business
Major purchases
| plan to buy a new vehicle/RV/boat

~~ { plan to buy new furniture/appliances/TV ;

twill attend many ingles ei events

Low Moderate High ‘Money

Source: Fidelity Investments Canada Ud. 1 888 623-4778

° 1 or 3 | meals a ‘day . Bright & sp

The

Peninsula

News Review
with over 120

Local Youths
and Adults
Delivering to
your Door.

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PENINSULA NEWS REVIEW 15

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