If you are a business owner or work at a small business, Clark has a warning for you. The federal law that helped implement the national “Do Not Call” list does not include businesses. So, with very few people left to call, businesses are the new target for telemarketers. To make matters worse, an investigation by Barron’s magazine found that most of the calls businesses are getting are scams. These telemarketers are promising huge returns on such things as oil and gas investments, collectibles, commodities, and stamps that are said to be worth tons. The truth is that all of these offers are a sham. The person who answers the phone at a business usually gets the pitch, so warn that person about these scams. If someone is promising a minimum return of 30 percent when CDs are paying 4.5 percent at best, hang up. They will take any kind of profits for themselves and you’ll get nothing.