There's a handful of things that can scare you into wearing sunscreen: fine lines, age spots, wrinkles on wrinkles, a killer burn. But when you have a darker complexion, it's easy to think that all of these sun-related skin issues don't apply, because you erroneously think you're immune to the sun's aging rays. The harsh reality is, UVA and UVB rays are dangerous to everybody, no matter how dark your complexion is. And where more serious consequences like skin cancer are concerned, dark-skinned people may be at an even greater risk.

Sure, white women have the highest rates of skin cancer, but that doesn't mean Latina and black women are off the hook. According to the Skin Cancer Foundation, minorities tend to be diagnosed at a more advanced stage of skin cancer and have lower chances of survival than Caucasians do. It's time to take charge and protect yourself from the sun. Click ahead to see the top secrets about skin care in dark skin and what you can do to stay safe this summer.

If you're on the hunt for suspicious moles, no one would fault you for going straight to your shoulders, legs and nose. Basal cell carcinoma (skin cancer in the deepest layer of the skin) is the most common type of skin cancer. It's more prevalent in white women and light-skinned Latinas and typically shows up on the face, chest and hands. But Douglas S. Reintgen, M.D., a surgical oncologist based in Tampa Bay, Fla., says those aren't the only places skin cancer lives. Squamous cell carcinoma, cancer in the upper-most layer of skin, can develop on the mouth and scalp. Melanoma, the most dangerous type of skin cancer, can show up on the soles of the feet, groin area and around nails.

The Solution: Channel your inner Sherlock Holmes

Latinas should be on the lookout for sores and lesions that don't heal (or have lasted for longer than a month), and anything that is bleeding, oozing or crusting, which indicate basal cell carcinoma. African American women should look out for healing ulcers, growths, sores and scars from previous injuries -- especially on the legs, where squamous cell carcinoma hits most women of color. Don't forget to examine your palms, nail beds and toes, and the next time you're at the salon, ask your stylist to check for any suspicious areas on your scalp or other hard-to-reach areas, like behind your ears, for anything that looks unusual.

Although skin cancer is much less common in African Americans than in whites, when it does occur in women of color, it's particularly deadly. "Women of color are at a higher risk of dying from skin cancer because they are usually misdiagnosed and the cancer is caught too late and it begins to spread," says New York City dermatologist Michael Shapiro, M.D. Numerous studies show that women with darker skin tones have the highest death rate of individuals diagnosed with melanoma. According to the Skin Cancer Foundation, 52 percent of black patients and 26 of Hispanic patients receive initial diagnoses of advanced stage melanoma versus only 16 percent of white patients.

The Solution: Know your bod

Just because you can't see it with a quick glance in the mirror doesn't mean it's not there. Vow to thoroughly examine your skin head-to-toe every month. Knowing your body will help you spot new moles or other abnormalities (most people stop getting new ones after 25). In addition to your monthly self-exam, get a professional skin exam every year. Find a free skin cancer screening or visit your physician, who can help you with the ABCDE's (asymmetry, border, color, diameter, evolution) of any skin spots you find.

Unless you live under a rock or boarded up in your house, every minute out in the sun adds up. "The number of blistering sunburns you had as an adolescent still count -- they will increase your chance of skin cancer later in life," says Reintgen. The same goes for your current routine. Outdoor activities like jogging and playing golf may be great for your ticker, but they could be hurting your health in less obvious ways.

The Solution: Go under cover

There's no need to become a shut-in. Make like a celebrity and step out in UV-blocking sunglasses, broad-brimmed hats and clothing with UV protection. Shapiro also recommends seeking the shade, especially between 10 a.m. and 4 p.m., aka peak sunlight hours. The earlier you can schedule your tee time or lace up your running shoes, the better.

Darker skin tones have some built-in sun protection. The melanin in darker skinned Hispanic and black women creates SPF of about 13.4 (compared to 3.4 in white skin), but that doesn't mean you should skip sunscreen. Black and Hispanic women show the effects of photoaging about 15-20 years later than Caucasian women. Fine lines and wrinkles tend to be less prominent in dark skin than in white or lighter Hispanic skin, but in your 50s and 60s, hyperpigmentation and uneven skin tone take center stage, making other effects, like sagging skin, more noticeable. If you want to lower your risk of skin cancer and look good while doing it, it's time to incorporate SPF into your everyday routine.

The Solution: Slather it on

Reintgen and Shapiro advise using a broad spectrum (UVA/UVB) sunscreen with an SPF 15 or greater every day. Apply sunscreen to your entire body 30 minutes before going outside for chemical sunscreens and reapply every two hours or immediately after swimming or excessive sweating. For immediate protection, try a physical sunscreen that blocks the sun (instead of absorbing and reflecting) that contains zinc oxide or titanium dioxide.