Before investing any money in online programs, please understand some of them are a risky opportunities, ponzi schemes or pure scams and should not be used as an investment or work. Many others online offers and opportunities are also risky business. I hope this article can help to protect you.

COMMON ONLINE SCAMS: Nigerian Scam: The scammer offers the recipient the chance to share in a percentage of millions of dollars, soliciting for help in placing large sums of money in overseas bank accounts. Communicaion via email, telephone or fax.Tip: Do not answer. Do not travel overseas. Investment fraud Investment fraud is an offer using false or fraudulent claims to solicit investments. Tip: Search for reference, do not spend what you cannot afford to lose.

Foreign lottery fraud: Many foreign lottery scammers take your money and don’t even buy the tickets. Some scammers will tell you you’ve won and try to charge you a fee to collect nonexistent winnings. Tip: Do not play foreign lottery. It’s illegal in USA and many other countries. Do not pay in advance for your winnings:)

Phishing fraud: PhishingScammer steal your bank, ecurrency acount, password, security number data. Email / popup message usualy says that you need to validate or update your account info. Tip: Never click links in emails asking similar info. If you are not sure, simply go directly to website.

Ponzi scheme: The term Ponzi is derived from the actions of a man names Charles K Ponzi. It is any program or claimed investment opportunity which relies on new investments to pay off the older ones. Those whom invest first are thus paid their returns from those who invest after them, leaving the last investors the ones who lose out. Many HYIPs who claim to be trading, investing, etc are really only running a ponzi scheme. Some have also compared the US Social Security system to a ponzi scheme. Tip: Do not invest with get rich quick schemes.

General antiscam tips: - do not pay in advance! - avoid highly profitable (highly risky) opportunities - USD150 000 monthly after 1 hour of work per day is unreal :) ! - do not answer spam offers! - search the web for reviews! Online Business blacklist http://investmentjudge.com/index.php?option=com_content&task=view&id=37&Itemid=32

- ask others in forums! - do not click the links asking your account data(ecurrency account details, bank details...)! - use your brain and logic! - keep your PC clean - rid of spyware, adware and all malicious files (use TrojanRemover, AdAware, Spyware Doctor and good antivirus - for example NOD32)!