BOSTON -- The latest junk mail joke is a letter from Raylene Van Worth, who describes herself as psychic, clairvoyant, spiritualist and healer. She has "a ton of great news for you."

Raylene promises money, romance and security," according to Consumer Reporter Susan Wornick, and all you have to do is send her all your personal information and, of course, money.

For $24, Raylene will send you a personalized reading and the key to your happiness. This is an obvious scam.

Online Air Fares

There is so much competition online for airline tickets. Ever wonder which one is the best? We did and decided to find out. We checked Lowest Fare, Orbitz, Travelocity and Expedia all for the same trips on the same day.

With so much competition in the industry, we expected to get varying fares, but we were wrong.

In every case where the travel Web sites offered the airfares, they were all about the same, within $20. Apparently, there isn't that much competition.

Buying airline tickets online can be economical in time and money, but make sure you know the company with which you are dealing and its rules, especially pertaining to refunds.