7 Scams You Should Never Fall For And How They’ll Ruin Your Life If You Do

By 03.10.16
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Whether it’s on the Internet, or in real life – to be honest, that’s pretty much the same thing now – scams are everywhere. Sure, it would be nice if you could just trust every rich Nigerian prince out there, or not have to worry that the new love of your life secretly has a penis, but this isn’t Neverland. This is real life, Peter Pan will rob you blind and Tinker Bell is actually Tinker Bob.

The good news is that you can protect yourself. You just have to pay attention and know what to look for. That’s where we come in. The following scams will all ruin your life, so if you are overwhelmed by the sheer number of scams out there, at least try to not fall for any of these seven scams.

Ponzi Schemes

The Scam: You invest in a company that promises unbelievable returns (literally unbelievable), only the company (usually just some jackoff con-man) takes your money to pay earlier investors and so on and so on. There are no profits to be shared, only more and more suckers getting duped into paying people further up the chain, or pyramid, which is why this is also known as a pyramid scheme.

How it Ruins Your Life: Eventually, the whole thing collapses and either the con-man runs off with everyone’s money or everyone gets nervous and demands their money and… the con-man runs off with everyone’s money. You lose your life’s savings, you feel like a fool and get to watch as the President pardons the con-man because they used to play golf together. It’s the new American Dream.

Identity Theft/Phishing

The Scam: There are lots of different ways this one works. The common theme is that you are duped into giving up your social security number, your bank account number, etc. The most nefarious versions do this without you even knowing. They set up a phony Web site or form that looks legit, get you to willingly enter all your info, and then they take that info and wreak havoc in your name.

How it Ruins Your Life: It’s notoriously difficult to come back from identity theft. Just look at the name. They are literally stealing your identity. The next thing you know, you’re actually a Triad gang member with three mortgages, a mountain of credit card debt and you can’t even send out e-mails anymore because your account has been hijacked and now all your friends have computer viruses and won’t talk to you. Have fun!

Sweetheart Scam

The Scam: Someone falls in love with you even though you’re a hideous wretch. Why, it’s almost too good to be true! Yeah… about that. Eventually, you realize the love of your life is actually just using you, but only after they’ve bilked you out of all your money, sometimes slowly, in a way that you have a hard time noticing, and sometimes in a big way, like “My dad needs an operation, only the insurance people have screwed him over and if he doesn’t get $100,000, he’ll die! Oh, by the way, you can just make the check out to cash…”

How it Ruins Your Life: You get your heart broken along with your bank account, ending up poor and alone, unable to trust anyone ever again. This is, uh, not an ideal way to live.


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