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These criminals—who also troll social media sites and chat rooms in search of romantic victims—usually claim to be Americans traveling or working abroad. While their most common targets are women over 40 who are divorced, widowed, and/or disabled, but every age group and demographic is at risk. You’re contacted online by someone who appears interested in you.

He or she may have a profile you can read or a picture that is e-mailed to you.

There will be more hardships that only you can help alleviate with your financial gifts.

The chances of recovering your money are very slim.

One reason Nigeria may have been singled out is the apparently comical, almost ludicrous nature of the promise of West African riches from a Nigerian prince.

According to Cormac Herley, a Microsoft researcher, "By sending an email that repels all but the most gullible, the scammer gets the most promising marks to self-select." In Nigeria, scammers use computers in Internet cafés to send mass emails promising potential victims riches or romance, and to trawl for replies.

The pictures you were sent were most likely phony lifted from other websites.

The profiles were fake as well, carefully crafted to match your interests.

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