We've all learned to avoid the obvious e-mail scams—but sometimes it's just hard to tell.  MarketWatch gives you some tips from separating the chaff from the wheat:
    - Know what a phishing scam is: an attempt to con you into supplying ID info, account numbers, names, passwords and so forth.  Be wary.
- Do not reply to requests for financial information initiated by someone else.  Legitimate businesses will not ask you supply or "verify" account information.