Times are tough everywhere. Money's tight; criminals abound. So it doesn't hurt to practice extra vigilance: personal safety. No, don't panic: just pay attention to your surroundings, especially at the atm. Before you even think about whipping out that card, check around. Avoid dark or isolated places. Look for suspicious people, cars, anything that makes your gut leap. Feel uncomfortable? Move on. And you're better off getting cash inside a business, for instance, a supermarket.