1. Multilevel marketing pyramids 2. Software, computer equipment 3. Internet services/products 4. Business opportunities 5. Work-at-home plans 6. Club memberships/buyers clubs 7. Magazines 8. Investments 9. Scholarship services 10. Prize offers Source: National Fraud Information Center (NFIC), Washington, D.C.

The National Consumers League, which established NFIC in 1992, advises consumers to be wary of promises of great profits or earnings, wonderful bargains, and free gifts or prizes. "They could just be vapor in cyberspace," says Susan Grant, NFIC director. "The same pitches--whether on-line or on the telephone--require the same advice." Visit the NFIC Web site to read the latest news about scams, to ask questions, or to make fraud reports.

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