(NAPSM)—If you’ve made a risky investment, gone to a free lunch seminar or even chatted too long to a salesperson over the phone, you might be a target for investment fraud, says John Gannon, president of the FINRA Investor Education Foundation. “In one case, an investor lost $40,000 to an oil and gas scam,” Gannon said. “He was a smart guy, a professional who had been investing for years. But his name showed up on a list of investors who were willing to take risks. These lists are called mooch lists and they’re sold and resold among scammers.” The best way to avoid fraud is to minimize your exposure to possible cons. First, Gannon said, remember there is no such thing as a free lunch. Free investment seminars, dinners and luncheons are not gifts. They’re sales tactics designed to get your money. “The hard sell might not happen during the meal itself; but if you fill out a card with your name, phone number or email address, people will contact you. And because you met them at the seminar, you take the call.” If you are interested in a seminar topic, do your homework first. The speaker who presents might not be the same as the person or organization putting on the seminar, so check out both. Make sure whoever’s selling the investment is licensed with FINRA, the Securities and Exchange Commission or the state securities regulator, and doesn’t have a history of complaints or problems. At the Foundation’s fraud-fighting website, www.SaveAndInvest.org, you can learn how to verify this information. A study funded by the Foundation compared the behaviors of investment fraud victims to a national sample of investors. It found that three times as many Using High-Tech Communication (NAPSM)— There’s good news for older adults who want to learn more about e-mailing, using social media and text messaging. There’s a resource that can help introduce them to these technologies. A new brochure—“Staying Connected: Technology Options for Older Adults”—is available from the Eldercare Locator. It is FINRA Foundation President John Gannon says talk over any investment decision with a friend or trusted professional. victims attended free investment seminars as the national sample. Victims were also more likely to read mail from unknown sources or listen to telemarketers. What’s more, those seemingly innocent sales calls could also lead to something more sinister, Gannon said. Some con artists will use a “fronter” to gather your information and rate your susceptibility to the con. They’ll grade you on how controllable you are, your investment history and how much money you have to invest. So your second step in reducing your risk of fraud is to stop sales calls by adding your phone number to the National Do Not Call Registry (www.donotcall.gov or [888] 382-1222). Third, have a refusal script ready. “A refusal script is something that you practice in advance so that you feel comfortable saying ‘no,’” Gannon said. “And before you make any investment decision, talk to someone else first. It could be a friend, your spouse or a trusted professional, but get a second opinion.” For more tips, visit www.Save AndInvest.org. A growing number of older adults are using e-mail, social media and texting to stay connected. designed to help older adults learn about new methods for staying connected with family and friends. The brochure includes tips on using these communication tools, getting started as well as privacy and safety information. The Internet, cell phones and other new technologies enable people of all ages to communicate more quickly than ever before. While younger people are often seen as the “experts” with these new tools, many older adults utilize e-mail, social media and cell phones to communicate as well. 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