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Kircheimer, author of the book Scam Proof Your Life.

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Fleeced

Experts say avoiding scams requires sharp wits, vigilance — and the occasional socially awkward moment.

Tami Nealy regularly does things that make her family and friends cringe with embarrassment. Like having her household shred the trash before taking it out to the curb. Or dutifully signing her son up for Little League but then insisting on paying the registration fee to the coach in person, and in cash, because the school’s website is too under-funded to use a trusted authentication service to secure its online payments.