“Hey, are you ready to make 10,000 to 15,000 dollars a month?” cried the pitchman bubbling with enthusiasm, “… a fast and easy way to make millions from home.”

I flicked off my radio. I thought: You’ve got to be kidding. I was in the depths of gathering research on financial abuse of seniors, and I had become sensitive to the smell of scam. To top it off, this commercial was on a classical radio program geared to an audience of seniors.

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