If you haven't come across Jim Browning on YouTube, I'd like to give him some free publicity and warn you about the ever increasing sophistication of scams that are draining the vulnerable of their money.  It's heroes like Jim who are doing a lot to reduce some of the worst internet scams out there, and all power to his elbow.  His channel is worth delving into and the methods used by the scammers are quite breathtaking at points.