1. You're asked to send money to an account and collect double the amount in 30minutes/2hours.

2. SEM (Social Exchange Market). Claim is they collected a huge amount from an unnamed Christian group based overseas and this group gives out grants to countries every year. SEM claims that the money sent to Nigeria is due for disbursement.

My personal litmus test for businesses is to know where the source of income comes from. If the person telling you is chopping mouth or giving an unsatisfactory answer or even blocks you over being asked to give a name, that hints at a potential scam.

I have some people I need to see real live responses from Nairalanders. Please post ONLY if you've had first hand experience with any of the two above. Thanks

Anyone?