Investing is hard enough without being cheated, scammed or lied to. You know the old rule of thumb. If it sounds too good to be true, it probably is. Good example: penny stocks. Sure, a $0.10 stock that moves up the coin ladder to a quarter will give you a 150% return. What’s not to like, right? Turns out, plenty. First off, the stock could just as easily move in the opposite direction. A dime stock that shrinks to a…