Are you looking for a way to earn a great return on your money?

Well, watch out.

Tough economic times often bring out get rich quick scams and schemes and they don’t exactly deliver what may have been promised.

Karen stiles of the TODAY’S TMJ4 Call For Action office has some tips on how to shop around without getting taken.

Trying to make a decent return on your money can create some real challenges, especially when markets are shaky and rates are down. It’s also during these times that you need to be extra alert for offers that seem too good to be true.

Before you invest your money:

•Take time to fully research the company, the representative, and product you plan to invest in. Make sure that you understand all charges, penalties, and other terms and conditions that could affect the performance and accessibility to your funds.

•Ask questions and do not settle for vague answers.

•Make sure that you get all information in writing and take time to study it, including the fine print, before making a decision.

•Consider your goals whether they be long term or short term and make sure that the product matches your goals.

If you don’t fully understand the product that is being presented do not do anything until you can get all questions answered and that you can verify in writing that the offer is legitimate and appropriate for your situation.

Click on the links under related content for more information about how to check out an investment offer.