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Earn rewards for supporting a project you believe in? That’s what “crowdfunding” is all about. Here’s how it works: “Creators” think of projects. To pay for those projects, they ask for small amounts of money from lots of people, usually through online platforms like Kickstarter or Indiegogo. Often, creators offer rewards to contributors. So far, so good … as long as the creators keep their end of the bargain.

A data breach at the Office of Personnel Management (OPM) – and you’re a current or former federal employee whose personal information may have been exposed. What should you do? Take a deep breath. Here are the steps to take.

Are you looking for a job you can do from home? Maybe you want something flexible to balance responsibilities like caring for kids or family members. Or maybe you haven’t been able to find a job, or you need extra income. Whatever your reason, know this: many work-at-home ads that promise you can earn a great living, even in your spare time, are scams. They won’t deliver on the claims they make.

Imagine you’re at a restaurant with your friend. She pays the check, and says you can pay her back. Do you: a) write an IOU on a napkin? b) pull out a wad of cash and give her exact change? c) take out your phone and pay her through a mobile payment app? If you answered c), this post is for you.

Thanks to emails and calls from people who sensed something wasn’t right, we’ve heard that an FTC imposter scam we’ve written about before is back. The email tells you there’s a complaint against your business, and wants you to click on a link. Here’s what one of the scammy emails said: “This notification has been automatically sent to you because we have received a consumer complaint, claiming that your company is violating the CCPA (Consumer Credit Protection Act).According to our policy, we have initiated a formal investigation before taking legal action. You can download the document containing the complaint and the plaintiff contact information, from…” followed by a link.

For most people, plumbing problems rank right up there with root canals on the list of “experiences to avoid.” We’re careful about what we flush. We may rely on ads or product labels for information about what’s safe to put in the system, so it’s important those are accurate. According to the FTC, Nice-Pak Products lacked proof to support its claims that its wipes were safe for sewer and septic systems. Under a proposed settlement, the company can’t say the wipes are safe to flush unless it has new tests proving they are.

Hollywood might have you believe that identity theft means a dozen maxed out credit cards, a warrant for your arrest, and a bill for a spa appointment 2,000 miles away. But in real life, identity theft can be sneakier. It might start with a small credit card charge you don’t recognize. Or a strange new account that shows up on your credit report. Or a letter from the IRS that says you already filed taxes this year. Only you didn’t. If someone uses your information to make purchases, open new accounts, or get a tax refund, that’s identity theft.

Most of us know better than to seek the Fountain of Youth, take a sip from it, and expect to reverse the signs of aging. That’s called a myth. When ads claim a product will permanently remove or prevent the growth of gray hair, but the claim isn’t backed by science, the FTC calls that deception – and we hold companies accountable for it.

You get an email from a friend, with a link and a message: “Hi! Oprah says it’s excellent!” But did your friend really send this message? And what’s so excellent? Millions of people got emails like this one, but not from their friends. Instead, according to the FTC, marketers hired by Sale Slash sent spam emails from hacked email and social media accounts. Why? To trick people into thinking the messages came from a friend. And, of course, to sell stuff.

Today, we’re releasing our third Snapshot of Complaints Received from Servicemembers, Veterans and their Families. The report details the data and trends from consumer complaints we’ve received from members of the military community since July 2011. Here are just a few highlights: