How fraudsters use Internet scams, phone scams and email scams to steal your money

You're surfing the Internet and come across a link to an interesting story on a website you've never before visited. You click and -- bingo! Faster than you can say "uh oh" you've downloaded malware to your computer.

That's called a "click bait" scam. The scammer entices you to click on the link by cloaking it in an article or headline that's sure to draw you in: a hot current story in the news, some particularly salacious piece of celebrity gossip or maybe a too-cute video that the poster breathlessly claims will make your jaw drop or bring you to tears.