Most people think they'll never fall for an internet scam. In fact most of them do, especially when they use a version of Microsoft Windows. They wire cash to London, they can't help investigating the one-in-a-million chance they really are related to a dead prince from Africa, and they sometimes even travel to Nigeria to find out. Just in case. Many of the scams you read about are sensational, such as the silly "hit man" scam created by real amateurs (recipients get an e-mail that says send me all your money or I'll kill you). And you've also seen lists that offer oddly skewed results, such as the recent FBI announcement that scammers pretending to be FBI agents are now the most prevalent Internet crime. You’d figure those numbers are a bit exaggerated because victims of FBI scams are a bit more likely to report those scams to the agency. Fantastic stories like these only serve to convince many consumers to let their guard down even more, helping to increase the pool of marks for the professional scammers. I know, because I hear from victims all the time. My inbox is littered with people whose notes say,"I know I should have known better, but ...." And with that, they beg me for help restoring their ravaged bank accounts. In fact, every single victim I've ever interviewed says they had an inkling that something was wrong from the outset, but they ignored that feeling. That’s why the single most important factor in avoiding fraud is this: Learn to trust the feeling in the pit of your stomach. Usually, I can't help restore those bank accounts. But I can help you, if your turn hasn't come up yet. And even if you are convinced you'd never fall for any online con, someone in your circle of friends or family is vulnerable. Please forward this story to him or her. Because I hear from so many victims all year long, I know what people really fall for. Here are the top 5 ways cyberthieves separate people from their money, based on my 12 years of writing about Net cons.

1.) Online dating scams

2.) anti-virus software

3.) Facebook, MySpace, Twitter ...

4.) Becoming a bot You may not know it, but your computer might be a criminal. Botnets -- armies of hijacked home computers that send out spam or commit other crimes -- remain the biggest headache for security professionals. The various botnets ebb and flow in size, but at any given time, tens of millions of computers on the Web are under the influence of a criminal. No one thinks it's their PC, of course, but look at the odds. If one estimate claiming 100 million infections is accurate, then about one out of every 20 computers in the world is infected. In other words, someone in your extended family is aiding and abetting a spammer. How can this be? Victims typically don’t notice the criminal activity. Cyberthieves can easily use your machine without leaving a trace or slowing down your PC performance. They do not deposit e-mails in your sent items folder. Instead of sending 1 million e-mails from your machine, they send one e-mail every hour from 1 million infected machines. Any honest antivirus company will tell you that there is so much new malicious software created every day that the good guys simply can't keep up. The Web is jammed full of e-mails and Web sites that can turn your home computer into a bot. Your PC could very easily be safe today but at risk tomorrow. That's why it's so important to keep your computer's security tools up to date. But you shouldn't assume that this will keep you 100 percent safe. Avoid the Web's seedier side, and don't let the kids download illegal music or games, a main source of infections. And always keep on the lookout for strange programs, files or surprising hiccups from your machine.

5) The fakosphere The Web is now littered with fake blogs, fake ads, fake acai berry products, fake work-at-home jobs and fake Web sites saying how great all these things are. You'll even see ads for such products on all major media Web sites, as they've become the Web's answer to late-night infomercials. The FTC recently issued an opinion clarifying that fake testimonials on Web sites are a violation of federal law, and some of the over-the-top ads have disappeared. But the fakosphere is far from dead. I know it's tempting to obey one rule that will make your tummy flat, make your bank account fat or make your cancer disappear. But you can't believe everything you read online. Never purchase a product without searching Google using this search term: "(Product name) scam" and "(Product Name) complaint." Then, spend three minutes familiarizing yourself with the reputation of the item you are about to buy and the price you are about to pay. One or two complaints might say one thing, but 500 complaints should certainly scream at you that you should put that credit card back in your wallet.