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Some people are experts at the Holiday shopping. They start shopping for Christmas at the beginning of the year, searching for deals year-round. They squirrel away gifts in closets and attics, to have them ready for the holidays well in advance.

Here's the bad news about any unexpected good news you receive in an e-mail from the Internal Revenue Service: It's probably bogus. For example, the IRS will not contact you via e-mail, out of the blue, about a refund you didn't know you had coming. Yet, people fall for this scam again and again. Some have received e-mails--with convincing IRS logos--that display a refund amount and a link you must click on to get the refund.