Many would agree that online money transfer is the most convenient way to send money anytime and anywhere. However, it has its downs. You can never fully trust online transactions with someone you really don't know. Today, scams are very rampant. Even the most secured method that we think might be hacked and we might even get in trouble. It often comes to people who are gullible enough to be pressured to do transactions without a reliable information. This usually happens to people who fall for quick rich schemes. They often fail to realize they are being cheated just before they know it. Most of the time, the situation is hopeless and you can not trace back the person's information even when you tried hard. On the other hand, we can protect ourselves even before it can happen to us. We must be able to guard ourselves with this kind of schemes so we can avoid losing our resources.