The Southern Arizona Better Business Bureau's top five scams to look out for:
• Work-at-home offers.
• ATM/debit card skimming, in which identity thieves place devices on ATMs or gas-pump card swipers to steal debit card information - watch out for strangely-placed cameras and bulky card swipers.
• Debt-relief offers.
• Wholesale travel clubs that offer so-called free gifts to people who attend a sales seminar, except the gifts either don't exist or have a fee attached. In some cases, people who bought travel memberships for thousands of dollars never received the travel discounts they were promised.
• "Grandparents scam": A telephone caller pretends to be a person's grandchild, stranded somewhere in need of money to be wired.