Scammers are intelligent, professional, and well-trained. They have no heart or compassion. They will take your last penny if they get the chance. They knowingly put your finances, trust, and even your family in jeopardy. Most scammers work in packs, like wolves, and are after you.

What is a scam? A scam is when someone takes money from someone else while not providing the promised service or product. The programs are generally highly sophisticated, well planned, and the principal person is versatile in responding to questions or problems that arise. Their trademark is the ability to think of a better lie to cover questioning of the original lie. The names they use are all fictitious but are worthwhile knowing so you can look them up on the Internet. Unfortunately, I destroyed my files a long time ago, so few names are provided.

Scams can be for small amounts of money or millions. They can be carried out by a single person, groups of people, or even governments. We will look at the government scams later in the book. Whichever scam it is, you are the target.

In many cases, there are no jobs available for the potential scammer in their own country and they do not have the confidence and/or finances to look for jobs in other countries. Even highly trained and skilled people have problems finding jobs, and those who find a job seldom get paid a living wage. Most scammers turn to this art out of desperation.