Many scam artists employ time tested techniques. Here are common pitches to watch out for.

"Just wire the money" Wire transfer is the most common way con artists get cash from their victims, according to the National Consumers League. Unlike with credit cards, you have no way to stop payment or recover funds. So the perp is sure to get his money.

"Cash this check" Cons often win trust by sending you what looks like a real check. They may ask you to cash it and return all or a portion of it to them to cover fees or an overpayment. The check will invariably bounce, and you'll be on the hook for the money.

"I'm contacting you from [insert foreign country name here]" Anytime a stranger offers you an easy money proposition, be suspicious - but be especially so if the stranger is overseas. Scammers like to operate outside the U.S., where it's harder for authorities to prosecute them.

"You're guaranteed a 10% return every month" To get high returns, you have to take high risk. As a benchmark: The stock market's long-term return is 10% a year. Any deal that "guarantees" that or more is a scam.

"Don't tell anyone else about this opportunity" Con artists often discourage you from talking about an opportunity with anyone who could talk you out of it or who could really check it out.

"Only a few lucky investors can get in, so you must act right away" Scammers like to give the impression that the deal has a deadline, in hopes you'll hand over your money before doing any due diligence. Resist the pressure. Get all the information before making a decision.

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