A lot has changed over the last week, both where I live (Buffalo) and where I'm from (New Jersey). Thankfully, times like this bring out the best in a lot of people - we have already started to see that in our communities. Unfortunately, it also brings out the worst in some people. The North American Securities Administrators Association sent out a release a few weeks ago reminding investors to be wary of investment offers that are attempting to capitalize on fear and uncertainty and gave a few simple questions to ask yourself before investing at all times, but especially now.