Scammunition: How to Protect Yourself From Con Artists: A Guide for Baby Boomers and Beyond

by Colleen J. Pallamary

Gone are the days when a person's word or handshake was all that was needed to finalize a business deal. It's human nature to trust. We learn at an early age that our best friend is someone we can count on and confide in. We want to believe that people are inherently good and have our best interests at heart. But what happens when that friend asks for a loan to start a new business then leaves town with all your money, never to be heard from again? How about the businessman with a great reputation who makes a proposal, takes a down payment, and never shows up to do any work? Consider the strange emails filling inboxes with promises of infinite wealth and the chance to connect with long-lost relatives from foreign lands. These and many other scenarios are playing out across the United States and the world at an alarming rate. History is full of dishonest dealings. In the 1980's, investment schemes dominated the news, ruining lives with lies and deceit. In the 1880's things weren't much different. Immeasurable harm and senseless deaths occurred when Native Americans were slaughtered and forced off land that was rightfully theirs, while fraudulent land scams were pushed on an unsuspecting public as pioneers moved westward in search of new lives. As Michael J. Pallamary states in his book Lay of the Land: The History of Land Surveying in San Diego County, "Within California, government officials estimate that 20 million acres of land, nearly 20 percent of the state's public land stock, are the products of fraudulent land surveys." Pallamary also describes how early residents stuck trees in the ground and hung artificial oranges on branches so that photos taken of the "orange trees" and sent back East would give the impression that the land for sale was rich and fertile. In reality the barren lots were filled with rocks and scrub-filled canyons. Scams and cons have changed through the decades, keeping up with the huge technological strides made during the last century. Information that was once transported by Pony Express is now sent via email programs like Outlook Express. Unfortunately, communication advances have inadvertently allowed cybercrimes to become more prominent in everyone's lives. Transactions that were once considered safe and protected are now breeding grounds for illegal activities. Self-preservation has taken on a whole new meaning and self-defense is no longer just physical. Thieves, con artists, and scammers come in all shapes and sizes including invisible ones living in cyberspace as so-called "friends." Countless bank and credit card accounts have been hijacked online and savings accrued over decades of hard work have been wiped out in seconds by devious cons. Boomers relying on retirement accounts and 401 k plans can kiss their futures goodbye if their funds disappear. Heartless hackers don't care. Their games are played with phones, emails, and a simple plan. Feeling stupid and used, many consumers remain silent and the rip-offs go unreported. No one is immune. It's time once again for the dreaded word "homework" to creep back into your vocabulary. Arm yourself with knowledge and learn some tricks of the scam prevention trade. If you've been scammed you are not alone. There is help available; you just need to know where to look. Scammunition is where to start.

123 pages, Paperback

First published October 15, 2012

Reviews

[Skjam! · Rating 3 out of 5]

Disclaimer: I received this book as a Goodreads Giveaway for the purpose of writing this review. No other compensation was requested or received.

Colleen Pallamary has been working as a volunteer to protect senior citizens and others from scams and swindles for over a decade in Florida. This book is designed to inform people about the most common tricks she has encountered and how to combat them. It’s arranged in short chapters covering such topics as phony contractors, fraudulent travel agencies (and employment scams promising to make you a travel agent) and malware.

To be honest, most of this is pretty basic material that would seem like common sense–but scammers still catch people with these tricks every day. It’s certainly worth reading through just to refresh your memory. About a third of the book is a listing of Better Business Bureau offices and government agency contact information for the United States and its territories, which will be especially helpful if you are dealing with a multi-state scam operation. Although this book was published in 2012, these sorts of addresses tend not to change so the vast majority of them should still be good.

However, the chapters on cybercrime have already become a little dated–check the latest government warnings for new angles con artists have found.

This book was self-published, and it’s very obvious with the heavy use of public domain clip art, pithy mottoes and reproduction of government forms. I did not spot any obvious typos, which is a huge plus at this end of the market. Those with e-readers may want to go with the cheaper electronic version as there’s no real loss of quality.

Recommended for seniors, soon-to-be seniors, and close relatives of seniors, but usable by any adult who wants to be careful with their money and credit.

[NormaCenva · Rating 4 out of 5]

Tt was a very nice read, good quality printing, practical recommendations, good amount of info given on alternatives, safety and other helpful organizations and some humor too. However this book no matter how good it is is primarily filled with info more useful for people in the USofA and I am a UK resident, so no win-win for me. Nether the less I did like the book, will be recommending it even just as a general read and it probably will be traveling all the way to make some of my USA-based friends happy.