How many times have you been scammed already?

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I'm new to this business and I'm very enthusiastic about it. But I have learned from reading some of the posts here that scamming is rampant. That is why I stopped doing the pay to click sites because a lot of scams seems to be connected to those kind of sites. I really want to know though if you have experienced being scammed and how were you scammed? Are you often a victim of scamming in the internet? What did you do when you realized you were scammed?