Many home owners rely on independent contractors for improvements in and around the house, or the handyman for smaller jobs. Now that summer is upon us, it's time to start those home improvement projects and get some work done. But be careful! Dishonest contractors can easily scam innocent homeowners, not only out of your money, but also by using substandard materials. Here are some red flags that you should be aware of when evaluating a contractor.

?Pushes for you to sign a contract right away.

?Solicits door-to-door.

?Cannot find listing in the phone book.

?No written information is available about the company.

?Accepts only cash.

?Asks for entire payment up front.

?Credit card or checking account information is requested.

?When you call, you only get voice mail or an answering machine.

?Cannot verify license or insurance information.

?Doesn't have references, or cannot verify references.

?Wants you to pull the building permits.

?Offers you a deal good for only one day.

?They'll help you finance the project.

These tips can help you become an educated consumer and avoid any possible scams.

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Greg McTaggart, Certified with 22 years experience, licensed by AFCPE, Director of and is an expert in budget and Having the combined experience as a licensed Real-estate salesman, Mortgage Broker, Real-estate Broker, Notary, Ace Member of the Cincinnati Executives, Mortgage Assistance Counselor and Spokesperson of the radio talk show The Money Mentor, Greg McTaggart is a qualified to help you.