
To many stupid people on the Internet. Here is my guide.
1. Don't wire or western union anyone, ever.
2. Don't use your debit card online. Get an actual (secured if credit is bad) credit card and use it. Credit cards have tough consumer protection laws, you will get your money back (minus 50 bucks at worst), debit does not have those laws. It is possibly the safest way to pay online.
3. Something free does not require a credit card. If a site asks for your card, it is for the purpose to charge you at some point.
4. Paypal is not a bank nor are they under any of the consumer protection laws that apply to banks. Don't use your main bank account with them, get a separate account without overdraft protection. Pay with your credit card - not your account. See 2, trust me, those laws are better then any shiny claims on any web site.
5. Read the Terms of Service. Always.
6. Have a safe password. Think of a phrase or sentence that has personal meaning to you and use the first letter of each word plus a number.
7. You can tell if you have won the lottery by checking the numbers on your game slip. If you have no game slip, you probably didn't play. And that means you didn't win. Not even in Europe. See also 1.
8. If you have never gotten an email from your bank/credit card company/insurance before and you didn't sign up for it, it is probably fake.
9. Learn what the little lock in the bottom corner of your browser means.
10. Nobody wants to send you millions of dollars. See 1.






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