Can a 5 year-old be $30k into debt? Have a mortgage, a car payment, and 4 credit cards? Unfortunately, yes. Starting at birth, tens of thousands of children fall victim to ID theft. And at times it's not strangers stealing their identity--it's someone in their own family!

Say you're in the market for a used car, and you do your research well. Clever as you are, you check not just eBay or Auto Trader, but also Yahoo! Autos, Craigslist and independent web-ads for cars with the features and price that fits your budget.

What is this financial and credit crisis everybody is talking about anyway?

Here's a definition from theFreeDictionary.com:
a long-term economic state characterized by unemployment and low prices and low levels of trade and investment.

Being smart, you already know about "Phishing," the phony emails that probably hit your mailbox daily.

"Pharming" is much sneakier because it's much harder to detect.