It's a good idea to keep the following tips in mind whenever you listen to a telephone solicitation:

* Don't believe criminal telemarketers when they say you've won something but that you have to pay taxes or a fee in order to get it!

* Many telemarketing criminals are located in Canada, where penalties are light. According to Canadian law enforcement, defendants face only a few months in jail.

* Don't send money - cash, check or money order - by Western Union, courier, or overnight delivery to anyone who insists on immediate payment.

* Resist high-pressure sales tactics. Legitimate businesses respect the fact that you're not interested.

*Take your time. Ask for written information about the product, service, investment opportunity, or charity that's the subject of the call.

* Before you respond to a phone solicitation, talk to a friend, family member or financial advisor. Your financial investments may have consequences for your future and people you care about.

* Check out testimonials to make sure they're genuine - not statements that have been bought or paid for.

* Keep information about your bank accounts and credit cards to yourself - unless you know whom you're dealing with. Do not give out account numbers to a caller if you did not make the call.

* Before you pay, check out the company with the Bureau of Consumer Protection. Call toll-free in Wisconsin:

THE BEST TIP IS THIS: If YOU/b> want something - YOU should initiate the call to purchase the item or service.