�The clues are there�

The biggest clue that it is time to be skeptical is any offer, invitation or suggestion that appears out of the blue from a total stranger. Real business opportunities, real investments, real job offers do not just arrive in your inbox, as if my magic, from someone you have never heard of. They simply do not.

They certainly do not when these offers involve staggering amounts of money. The daughters of deceased West African oil tycoons do not just email total strangers offering to share their inheritance if only they can open a bank account for them to send it to. But, you all know that by now.