1. Auction Fraud The setup: Online auction fraud accounts for three-quarters of all complaints registered with the FBI's Internet Crime Complaint Center (formerly the Internet Fraud Complaint Center). There are many types of eBay chicanery, but the most common one is where you send in your money and get nothing but grief in return. What actually happens: You never get the product promised, or the promises don't match the product. The descriptions may be vague, incomplete, or completely fake. One scammer accepted bids for Louis Vuitton bags that she didn't own, and then scoured the Internet looking for cheap knockoffs that cost less than the winning bid. She managed to collect at least $18,000 from bidders before she got nailed. A buyer thought he'd purchased a portable DVD player for $100, but what he got instead was a Web address for a site where he could buy a player for a $200 discount. The stories are virtually endless. The risk: You get ripped off, losing time and money. If you spill the beans about the scam, the seller may retaliate by posting negative eBay reports about you using phony names. The question you've gotta ask yourself: Who in their right mind would sell a $200 bag for $20? 2. Phishing Scams The setup: You receive an e-mail that looks like it came from your bank, warning you about identity theft and asking that you log in and verify your account information. The message says that if you don't take action immediately, your account will be terminated. What actually happens: Even though the e-mail looks like the real deal, complete with authentic logos and working Web links, it's a clever fake. The Web site where you're told to enter your account information is also bogus. In some instances, really smart phishers direct you to the genuine Web site, then pop up a window over the site that captures your personal information. The risk: Your account information will be sold to criminals, who'll use it to ruin your credit and drain your account. According to Gartner, phishing scammers took consumers (and their banks, who had to cover the charges) for $1.2 billion in 2003. The question you've gotta ask yourself: If this matter is so urgent, why isn't my bank calling me instead of sending e-mail? 3. Nigerian 419 Letter The setup: You receive an e-mail, usually written in screaming capital letters, that starts out like this: "DEAR SIR/MADAM: I REPRESENT THE RECENTLY DEPOSED MINISTER OF AGRICULTURE FOR NODAMBIZIA, WHO HAS EMBEZZLED 30 MILLION DOLLARS FROM HIS STARVING COUNTRYMEN AND NOW NEEDS TO GET IT OUT OF THE COUNTRY..." The letter says the scammers are seeking an accomplice who will transfer the funds into their account for a cut of the total--usually around 30 percent. You'll be asked to travel overseas to meet with the scammers and complete the necessary paperwork. But before the transaction can be finalized, you must pay thousands of dollars in "taxes," "attorney costs," "bribes," or other advance fees. What actually happens: There's no minister and no money--except for the money you put up in advance. Victims who travel overseas may find themselves physically threatened and not allowed to leave until they cough up the cash. (FYI, "419" is named for the section of Nigeria's penal code that the scam violates.) The risk: Serious financial loss--or worse. Victims of Nigerian letter fraud lose $3000 on average, according to the FBI. Several victims have been killed or gone missing while chasing a 419 scheme. The question you've gotta ask yourself: Of all the people in the world, why would a corrupt African bureaucrat pick me to be his accomplice? 4. Postal Forwarding/Reshipping Scam The setup: You answer an online ad looking for a "correspondence manager." An offshore corporation that lacks a U.S. address or bank account needs someone to take goods sent to their address and reship them overseas. You may also be asked to accept wire transfers into your bank account, then transfer the money to your new boss's account. In each case, you collect a percentage of the goods or amount transferred. What actually happens: Products are purchased online using stolen credit cards--often with identities that have been purloined by phishers--and shipped to your address. You then reship them to the thieves, who will fence them overseas. Or you're transferring stolen funds from one account to another to obscure the money trail. The risk: Sure, you can make big bucks for a while. But after a few months, you're going to look inside your bank account and find it cleaned out. Worse, when the feds come looking for the scammers, you're the one they're going to nail. The question you've gotta ask yourself: Why can't these people receive their own darn mail? 5. "Congratulations, You've Won an Xbox (news - web sites) (IPod, plasma TV, etc.)" The setup: You get an e-mail telling you that you've won something cool--usually the hot gadget du jour, such as an Xbox or an IPod. All you need to do is visit a Web site and provide your debit card number and PIN to cover "shipping and handling" costs. What actually happens: The item never arrives. A few months later, mystery charges start showing up on your bank account. The only thing that gets shipped and handled is your identity. (A more benign variation on this scam drives you to a site where you're asked to cough up your contact info and agree to receive spam from advertisers until unwanted e-mail is coming out of your ears.) The risk: Identity theft, as well as lost money if you don't dispute the charges. The question you've gotta ask yourself: When did I enter a contest to win an Xbox (iPod, plasma TV, etc.)? God made men and then rested, God made women and noones rested since..

Did you know the word "Gullible" is not in the most popular dictionaries... Non cogito nimis ergo non sim

Neither is dumbass but we all know what it means! God made men and then rested, God made women and none of us has rested since..

Wombat-And you thought I posted rants.LOL!!

I guess 'self-reliance' is not on the tip of every gen-x tongue, either. M2

G'day Per & Mechanix2Go, your not wrong... Non cogito nimis ergo non sim

Never trust anyone on the internet period !!. B4 you criticize a bigger man, walk a mile in his shoes. That way, you're a mile away, and you have his shoes.