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In order to protect your data, you are told to immediately call up a certain website and follow its instructions.

A dummy screen may appear that shows viruses being detected and eliminated, but in reality malware is being installed that allows the scammer to steal your usernames and passwords, hold your data for ransom or even use the webcam to spy on you. "Neither Microsoft nor our partners make unsolicited phone calls," says Courtney Gregoire, senior attorney at the Microsoft Digital Crimes Unit.

"The IRS doesn't usually have the staffing capacity to pick up on the first ring, but the scammers do." Last spring, in one of the biggest busts of its kind, the Federal Trade Commission (FTC) charged four national cancer charities (the Cancer Fund of America, Cancer Support Services, the Children's Cancer Fund of America and the Breast Cancer Society) with defrauding consumers of 7 million.

At the other end of the cancer-scam spectrum, last August a reigning beauty queen (Miss Pennsylvania U. International) was arrested after allegedly claiming she had cancer and swindling tens of thousands of dollars from sympathetic supporters.

Instead of giving cash to door-to-door solicitors or your credit card number to callers, ask for more information about the charity (brochures, websites) so you can investigate the cause first.

Also be wary of popular online giving sites such as

En español | According to a survey by True Link Financial, older Americans are criminally defrauded of .76 billion annually. Subscribe to the AARP Money Newsletter for more on work, retirement, and finances The next scam victim could be you. Abagnale, a long time FBI consultant whose early life as a con artist was portrayed in the film "Catch Me If You Can," equates it with playing roulette. But AARP Foundation's Amy Nofziger, who has degrees in criminology and sociology, cites three additional reasons. "They'll use the same methods legitimate marketing companies do, but for nefarious purposes." 2. "If you've been a victim of a fraud or scam, you're put on a so-called sucker list," Nofziger says.

This includes identity theft and all those crazy scams you hear about but smugly think will never work on you. Here's what to watch out for in the new year and, most important, how to protect yourself. "The lists are bought, sold, traded and stolen among scammers because they're perceived as potential gold mines.

Your Plan Before contributing to any charity, check out its rating on If you answered yes to any of these questions, then according to that same survey you are more likely to be defrauded because you may give strangers the benefit of the doubt, are more enticed by bargains and are comfortable moving larger amounts of money around. "Scammers buy phone numbers from companies that sell data," she explains.Ever wonder how scammers get your phone number, address or email? Scammers will usually target the victims with a 'recovery' or 'reload' scam.And teachers have a lot at stake: the wellbeing of their students and the overall progress of their schools, in addition to their own professional development and growth.As a teacher-turned-entrepreneur, I am often struck by how much these two ‘jobs’ have in common.