We’ve all heard the horror stories: credit card fraud, pyramid schemes, phishing, identity theft — the list of scams goes on and on.

“Oh, that won’t happen to me,” you think. “I know the signs.” No one wants to think he’ll be counted among the fooled. But the truth is, you can never be too cautious about scams on the web.

After all, according to the Internet Crime Complaint Center, yearly dollars lost grew by about $500 million from 2004 to 2009, and the trend isn’t showing signs of slowing.

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