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Most of us dream of hitting it big in a lottery, quitting our jobs, and retiring while still young enough to enjoy the finer things in life.

Chances are you will receive at least one intriguing email from someone saying that you did indeed win a huge amount of money.

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

Avoid this scam by ignoring it and deleting the email.

If you are thinking about applying for a “pre-approved” loan or a credit card that charges an upfront fee, ask yourself: “Why would a bank do that?

It's more lucrative to apply the fee to your credit balance and potentially collect interest on it! As for incredible pre-approved loans for 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? Sadly, far too many victims are pressured by financial problems and are susceptible to this con.

Internet scams have been around nearly as long as the internet itself, and many of them have roots in scams that existed well before the internet but have been adapted to the new medium.

Scams have become more advanced, more deceptive, and more common, and even venerable scams from the early days still snag people.

This is known as the Nigerian scam, and also as the "4-1-9" (which refers to the section of Nigerian Criminal Code that deals with fraud) and the "Advance Fee Scam."In every variation, the scammer is promising obscenely large payments for small unskilled tasks.

This scam, like most scams, is too good to be true, yet people still fall for this money transfer con game.

The seductive visions of wealth can make you overlook that you never even entered this lottery.

This scam will usually come in the form of a conventional email message.

It informs you that you have won millions of dollars, and it flatters you with congratulations repeatedly.

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