While billionaires fund a PR push for the tax law, most ordinary workers report seeing no increase in their take-home pay. It’s no fun being scammed. I distinctly remember looking for my first big city apartment and finding an ad that looked perfect. Beautiful picture, cheap rent, great location. It sounded too good to be true and, sadly, it was. Just send a check in the mail, and don’t forget to send over your Social Security number, they said. We’ll mail you a key. Fortunately, I didn’t take the bait. I’ve also managed to dodge the countless “Nigerian royalty” looking to make me rich via e-mail, and the endless robo-calls about lowering my utility bills. Not everyone is so lucky. If there’s one constant of scams, it’s that given enough opportunities, they’ll get somebody to give up the goods.