RIP-OFF ALERT: Have you noticed that Clark is hitting numerous rip-off alert sounders these days? The last time we had so many back-to-back warnings was during the recession of the early '90s. Back then, the Internet was only used by researchers and some government types. But today it's a prime form of communication. Little wonder then that many scams have morphed and gone online.

Facebook, the hugely popular social network for people in their 20s and 30s, has proven to be a breeding ground for get-rich-quick schemes, according to The Washington Post. Clark wants to emphasize that this is through no fault of Facebook's; rather it's a testimony to the portal's immense popularity that criminals are coming to them to tap into their audience.

Know that any promises for magic amounts of money for little work are suspect. Remember that the next time you see an online come-on to make $30,000 per transaction doing some work-at-home business.