Despite the very bizarre story coming from Belize that John McAfee (THE McAfee of the antivirus software) is a suspect in the murder of his neighbor ... the McAfee security company is on the ball when it comes to alerting us to cyberscams.

With their '12 Scams of Christmas 2012', they're pointing out the multitude of ways we can be phished, smished and persuaded to download malware.

E-mail isn't the only place that scammers & spammers try to get us. Social media networks are a hot-spot for scammers, and even your text messages are at risk.

Here's the entire warning list. With 70% of Americans planning to do some holiday shopping online, it's well worth a couple of minutes to look these over.