Here's a top 10 list you don't wanna be on ... Robert Alan Soloway, some yahoo in Seattle who is one of the top 10 email spammers in this crazy world, was finally arrested and is headed for trial. This bozo sent out billions of spam emails, clogging up mailboxes everywhere, and now he's got 35 counts of fraud, ID theft and money laundering against him. Dave Ramsey would upchuck over this one.

This just goes to show that you need to look out for you and your own, baby. There are two-bit crooks all over the place after you and your dough. Saving money ain't just about making a budget and starting to pay off debt. It's also about making sure that the wanna-be wiseguys out there never get to put their filthy mitts on your stuff, see? So take those zero APR credit card offers and shred 'em. Take those spam emails and delete 'em. Tell the bad guys to take a hike.