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Most of you have received an email from a member of a Nigerian family with wealth.

It will inform you that you won millions of dollars and congratulate you repeatedly.The catch: before you can collect your “winnings”, you must pay the “processing” fee of several thousands of dollars. The moment the bad guys cash your money order, you lose.As for these incredible, pre-approved loans for a half-a-million dollar homes: use your common sense.These people do not know you or your credit situation, yet they are willing to offer massive credit limits.Because it was born out of hacking techniques, “fishing” is stylistically spelled "phishing" by hackers.

Tip: the beginning of the link address should have https://. If still in doubt, make a phone call to the financial institution to verify if the email is legit.

They will use your emotions and willingness to help against you.

They will promise you a large cut of their business or family fortune.

Sadly, a percentage of all the recipients of their “amazing” offer will take the bait and pay the up-front fee.

If only one in every thousand people fall for this scam, the scammers still win several hundred dollars.

You will never see any of the promised money, because there isn’t any.