HOW IT WORKS: With the arrival of the new year, it might seem like a good idea to try to figure out what the future will hold for you, especially financially. But don’t be fooled into believing all those con artists who promise great riches and good health if you just pay them some of your hard-earned money to read the stars, tea leaves or a crystal ball. If forecasting the future were that simple and accurate, everyone would be paying for it, from your next-door neighbor to your investment adviser

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Scam Alert: Don’t be a dupe