I am not an alarmist, and I don't think that there are criminals lurking at every turn, trying to steal my passwords and bank account information. I do my banking online, make purchases online, share information online and I'm comfortable with that. However, I have gotten some interesting scam emails lately that could have fooled the uneducated computer user. And, lately, I've heard friends and colleagues wondering about security and privacy on the internet.
Here is a video that I think does a good job of describing how to detect a dangerous email and what to do about it.
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