5. "Congratulations, You've Won an Xbox (IPod, plasma TV, etc.)"
The setup: You get an e-mail telling you that you've won something cool--usually the hot gadget du jour, such as an Xbox or an IPod. All you need to do is visit a Web site and provide your debit card number and PIN to cover "shipping and handling" costs.
What actually happens: The item never arrives. A few months later, mystery charges start showing up on your bank account. The only thing that gets shipped and handled is your identity. (A more benign variation on this scam drives you to a site where you're asked to cough up your contact info and agree to receive spam from advertisers until unwanted e-mail is coming out of your ears.)
The risk: Identity theft, as well as lost money if you don't dispute the charges.
The question you've gotta ask yourself: When did I enter a contest to win an Xbox (iPod, plasma TV, etc.)?
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