South Africa, Oct. 24 -- From scams and loan sharks to debt spirals and bad investments, Liberty is giving Mzansi a heads up that the scariest financial moments are often the most preventable.

The bait is set

The bait is set... the inbox is calm.. then. PHISH!

This Halloween, the monster isn't hiding under your bed; it's hiding in your inbox. A too-good-to-be-true offer, a link from your "bank," or a sudden alert that your password has expired.

One click, and suddenly, the sharks are circling.

Phishing scams are getting smarter, and South Africans are increasingly in the crosshairs.

In fact, cyber-criminals use seasonal events (like the holidays) to cast their widest nets.

The result? Compromised accounts, drained savings, and week...