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Below are some of the more common ones you may encounter — or may have already encountered.

This is the most widespread internet and email scam today.

Unfortunately, malware protection software doesn't help much with many of these types of scams, because they rely on tricking the user, not delivering malicious software.

So, being aware of the common scams can help you avoid them.

A common ruse is an urgent need to "confirm your identity." The message will even offer you a story of how your account has been attacked by hackers to trick you into divulging your confidential information. Check a link's legitimacy by checking that the URL address of the link is sending you to a secure site — you'll know this because the link address will begin with https:// (note the "s" after http). If still in doubt, make a phone call to the financial institution to verify if the email is real.

It is a desperate cry for help in getting a very large sum of money out of the country.

A common variation is a woman in Africa who claimed that her husband had died and that she wanted to leave millions of dollars of his estate to a good church.

They might give you some new ideas, or give you some feedback on how it comes across.

The most important question to ask your friends is “is this me?

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A "phishing" email lures you into divulging your login credentials — your username and password — through convincing emails and links to web pages.

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