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Uncertain economic times and rising rates of unemployment often create a new breed of desperate people. Some turn to frauds and scams as a way out of their troubles. Others become more susceptible to schemes promising to help but, instead, getting bilked out of their dwindling cash reserves. Challenging times tend to bring more frauds and scams out of the woodwork.

Many of us reflect on our yearly financial goals as the calendar turns to a New Year. But bringing goals to fruition can't happen without a clear plan of action and determined effort. This is especially true as we continue to live with lingering effects of above-average inflation and the highest interest rates in over 20 years. To help maximize your investment success and end this year on a financially positive note, we have put together some key ideas: