A study by the Better Business Bureau shows the number of complaints about bogus investment schemes has overtaken complaints about online shopping scams. Bureau spokeswoman Lisa Schiller (SHILL-er) says these financial con artists have done their psychological homework and know how to push people’s buttons.

Schiller says anyone trying to offer you a fantastic chance to get in on a new business venture or a “sure thing” for your portfolio is likely trying to rip you off,
even if it seems legit.

Unlike the online shopping scams, Schiller says an increasing number of investment scams are being carried out in person.

Examples of scams include new cryptocurrencies, business loans or startups, or foreign currency. As always, Schiller says to do your research before writing anyone a check, and if it sounds too good to be true, it probably is. Also, if someone is demanding money right away, or won’t let you think about the investment, walk away.