A DYSTOPIAN SCIENCE FICTION NOVEL
Concord Fractured
Three girls fight to expose the truth and dismantle the network behind a mind-controlling drug.
A PRACTICAL CONSUMER GUIDE
When your money disappears
Electronic fraud can be confusing and frightening. This clear, practical guide explains what to do in the first 24 hours, what to expect from your bank, and how to protect yourself from common scams.
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About Toby Lake
Toby Lake writes dystopian science fiction and practical consumer guides designed to make complicated financial topics easier to understand.
Her fiction explores hidden systems, difficult choices, and ordinary people determined to uncover the truth.
Drawing on more than 20 years in banking–including over a decade in fraud and risk–her consumer guides offer clear, calm explanations of fraud, scams, and everyday banking issues.
When she isn't writing, Toby enjoys reading, exploring new places, and watching Florida sunsets.