Book excerpt: This is the eBook version of the printed book. If the print book includes a CD-ROM, this content is not included within the eBook version. Being aware of the criminals who are out to take your money is not enough. A scam by any other name is still a scam, and unfortunately, there are some scams that are perfectly legal that can cause you to lose money. Or perhaps they are imperfectly legal, but at this point in time, the law may not be on your side. A good example of a legal scam is what credit card companies can do legally in many instances. Read these essential truths to gain the knowledge that can protect your wallet.