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Although illegal the pyramid or Ponzi scheme is a popular way of making money. A visitor will be approached and given a story of how someone accumulated vast wealth by investing a small sum of money.Your money is given to the person at the top of the pyramid, and eventually you'll be promoted to the top and have your turn to reap the benefits.Many students and gap year travellers like to earn money while making their way around the world and find jobs in interesting places.

Criminals send out millions of these fraudulent e-mails to random e-mail addresses in the hope of luring unsuspecting innocent persons into providing their personal banking details.

Typically, a phishing email will ask an internet banking customer to follow a link to a fake banking website and enter his or her personal banking details.

If the link is followed, the victim often also downloads a malicious program which captures his/her keyboard strokes including any typed information such as banking login details and sends them to a third party.

As well as targeting internet banking customers, phishing emails may target online auction sites or other online payment facilities.

You're more likely to need to watch your step with the unkept footpaths than to end up being scammed.

The term 'online fraud' refers to any type of fraud scheme that uses email, web sites, chat rooms or message boards to present fraudulent solicitations to prospective victims, to conduct fraudulent transactions or to transmit the proceeds of fraud to financial institutions or to others connected with the scheme.

Check the bona fides of any agency as best you can.

Ask them for details of past employees and contact them yourself.

Avoid becoming a victim by knowing how to protect your information and your mobile devices, and understand how criminals use scams to try to defraud people.

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