We hear stories about fraud and scams, which can sometimes lead to identity theft as well, and exclaim, “How can they fall for that? It was too obvious!” But are you sure you never fell for one or almost? Are you sure you are protecting yourself from fraud, scams, and identify theft? A lot of fraud, scams and identity theft work on your emotions and naivety. Have you never questioned a phone call received claiming a loved one is hurt and needs help and then panic? Many of the