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		Getting ripped off 
		
		Ripped off, taken in, cheated, scammed, conned, 
		tricked and swindled are all words I could use to describe times I was 
		stupid enough to lose money by deception or by paying more than I should 
		have. 
		The first time I remember feeling a fool because of this was when I 
		tried to change money on the black market. 
		Many years ago, I was travelling in South East Asia and at the time it 
		was common knowledge among backpackers that the banks charged high 
		commission rates and quite a bit of money could be saved by changing 
		currency illegally on the street. 
		Shady, suspicious-looking money changers could be seen hanging around 
		outside banks looking for gullible foreigners who wanted to save a few 
		dollars. 
		I was one such traveller and I took what was probably about $300 to 
		change it with one of these street crooks. I asked him what rate he 
		offered and it was clearly more than I would get if I went inside the 
		bank. I agreed on the rate and the man told me to go with him to a quiet 
		street away from the busy main street so that we could close the deal. 
		I took out my $300 and he began to count the money he was going to give 
		me in exchange. He kept stopping to look around him to check for police 
		and I looked around as well. He was making me nervous.  
		He offered me his money, which I took, and I gave him mine. Suddenly he 
		whispered ‘Police! Quick, go!’. We both walked away quickly and it was 
		only later that I realized he had not given me enough money. Saying 
		‘police’ was a way to distract me and not let me count my money properly. 
		I suppose I deserved it for trying to change money illegally. Since that 
		day, I’ve always changed money in a bank, in a hotel or at an official 
		exchange point. 
			
		
		
		
		  
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