You’ve heard it all before. You’ve seen the (spam) emails, saw the web sites (via annoying pop-up ads), and read the testimonials. People just like you and me who have created revenue-generating businesses with little upfront costs.

Sure, you’re always skeptical and suspicious. I mean, just seeing the photos of the people giving their testimonials should raise some alarm bells.

But you’re always curious about that Nigerian Prince who promises you a fortune if you help his country.

I read this interesting article on MSN.com that should answer all your questions.

http://slate.msn.com/id/2081378/