There's not a day that goes by without another a story about a Ponzi scheme or investment scam.

The latest one to catch Clark's attention involves the theft of $80 million from those conned into believing they were investing in ultra high profit ATMs. The alleged con-men said they had high-traffic locations that would be profitable and promised a large return on investment on each machine.

When investors asked where the ATMs were located, they were typically told about locations that were across the country. The scheme went on for three years because early investors were paid with money from later investors. Of course, no Ponzi scheme can last forever; it eventually collapsed on itself.

Remember, be wary whenever you're promised an opportunity with great return on investment without risk. There is no such thing. Low risk always has low return. High risk has the potential for high return or the equally likely possibility that you'll lose all your money.

If you want safe, stick with CDs and earn two percent or less!