These last days of summer can present opportunities to spend more time with your kids. If you’re talking with your 8-12 year-olds about making good decisions while they’re online, the FTC has a free tool called Youville to help.

They’re the worst of the absolute worst: scams that target people who have already lost money to a scam. If you or someone you know paid a scammer, here’s what to know to avoid scammers who pretend to be helpers.

One of the best ways to fight fraud is to talk about it. When you know scammers’ tactics, they’re easier to spot and avoid. The FTC has some facts about fraud to help you start the conversation.

Scammers know that applying for veterans benefits is at the top of the to-do list when you’re getting ready to leave the military. That’s why they pretend to be with the Department of Veterans Affairs (VA) and offer to help you apply for benefits if you pay them — even though it’s free to apply with the VA. So if you’re applying for veterans benefits, get the help you need while avoiding scams. Here’s how.