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The tipoff: On the bills, unauthorized “fees” can show up as everything from horoscope alerts to ring tones, he says.

The charges are often small, anywhere from $1 to $9.99. One third-party billing operation had to refund more than $1 million to consumers, as part of a settlement with the FTC, says Pozza.

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You can easily choose what to use to win a girl's heart or to cheer up a friend.

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You don’t have to be an April fool to get duped by a clever scam.

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But, just as with magic tricks, ruses lose their power when you know exactly how they work. Here’s the lowdown on eight hot scams, cons and swindles that criminals are employing to separate you from your money, along with a few strategies for avoiding them.

The scam: Your get an automated call: Suspicious charges have been detected on your credit or debit card. Press “2” for a live attendant, who will reinstate your card after “confirming” personal information, such as your name, Social Security number, account number and date of birth.

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