Frauds and cons come in so many variations - and often are so
expertly presented - that it's easy for even intelligent, savvy
people to be taken in. Here is number two in our series on spotting commonly used "cons."

A pair of workmen pull up in a truck and tell you that they find they have materials left over from a just completed job and would be willing to repair your roof or gutters or whatever for a very good price.  The move quickly, not giving you much time to think. Once you've paid them and they've gone on their way it's only a matter of time before rain washes away their cheap paint, the oil streaks off the roof or the gutters leak again.
Try to call them to complain and you discover the company doesn't exist or that it had no one working in your area at the time. Your check will have been cashed immediately and the two workmen will be long gone.

This con comes in many different guises. Some con men set up actual businesses, which offer a product or service which either uses cheap material or is over-priced. They don't stay around long but they'll happily take your money. They often use the ploy of offering a price so low you can't refuse. Once you agree to proceed you'll be pitched a higher priced product that is a "better deal."

The solution? Don't agree to home repairs and the like unless you initiate the contact. And always go with an established company - check with the Better Business Bureau or local Chamber of Commerce is you have doubts.  Ask for references. Never contract for services from people who call you on the phone or appear at your doorstep out of the blue. All they need is a foot in the door and you're as good as sold and as good as ripped off.

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Laura Quarantiello is the author of "ON GUARD  - How to Win the War Against the Bad Guys" - a vitally important book filled with crucial information on keeping you and your family safe from the creeps and crazies out there.  More information at: http://www.tiare.com/onguard.htm