Anyone can fall for online scams — even you. Here’s how to avoid them.

• If you get a message or call you weren't expecting and don't know, the best thing to do is ignore it.
• Even what appears to be a perfectly innocent wrong number text could be something more insidious.
• Block the number and move on with your life.

• 90 percent of cyberattacks are the result of successful phishing schemes
• A hacker tricks victims into thinking they’re a trusted or known source to give their sensitive information
• Use an authenticator app or two-factor authentication for your important accounts like primary email.
• Scammers love to use social media to find victims

• Always check where a link is taking you before clicking on it.
• Only go to websites you trust.
• Don't enter any of your sensitive information - like your credit card, social security number, or your password - on a site if you are not absolutely sure it is what you think it is.

Overpayment scams - when someone sends you more money than you were expecting and then asks you to give them back the difference - have stood the test of time. Payment apps have made it even easier.

If you're the recipient of extra or unexpected funds, don’t just send the money back to wherever it came from, even if the sender gives you a convincing sob story for why you should. The best thing to do is contact the payment app and deal with the matter through them.

• Crypto is a volatile and unregulated market that is a prime target for scammers and hackers
• If you don't understand how it works, don't get involved in it
• Many people are getting scammed through some of the oldest tricks
• It's easy enough to lose money in "legitimate" crypto investments

• One way to avoid getting scammed is to preemptively protect your accounts from your mistakes as much as possible.
• Set up two-factor authentication and use different passwords via a password manager.
• You can lock things down even more by using hardware authenticators and anti-malware software.
• At a certain point, your security measures might feel like more trouble than they're worth. It is a small price to pay, than to lose your earnings online in a split second.