Most business managers and owners are well aware of the threat of loss from outsiders, and use a variety of methods to reduce this risk. From locks on the doors, to security guards and dogs, to complex electronic burglar alarm systems, many preventative steps are taken.

Whether you’re a small business, medium-sized organization or non-profit group, one thing is for certain: there are numerous fraudsters—both online and off—who would be happy to relieve you of your money. Fraud directed towards small businesses is so common, in fact, that the Federal Trade Commission (FTC) has produced a free booklet (available for order here) outlining the most common tactics. The following scams are included.

In America, vacations are often viewed as a luxury rather than a necessity. While workers in every country in the European Union receive at least four weeks of paid vacation each year, paid time off is not legally required in the United States. Among U.S. employees who receive PTO, many days often go unused. In fact, according to one 2014 survey, 59 percent of full-time employees reported they had at least one day of paid time off unused at the end of the previous year. Thirty-five percent reported leaving five or more days unused.

Seasonal and temporary workers have always been common in industries such as manufacturing, construction, landscaping and retail. However, since the recession, more employers—including those who traditionally employed permanent professionals—have turned to temps and contract workers to satisfy their staffing needs.

The Great Recession was a miserable time for most Americans. Property values plummeted, creating underwater mortgages. Stocks took a hit, devastating retirement savings. Thousands upon thousands lost their jobs. But some experts say that enormous storm cloud had a decidedly silver lining: consumer savings spiked after the recession as Americans took a more cautious look at their economic future. There has also been an increased interest in financial protection products—including disability insurance.