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As a person who spends lot of time in the net, we should be more vigilant or think like a ninja perhaps . Lots of smart bait available online and you should be very careful enough to avoid this trap or else you might wonder one day that your paypal, ebay and credit cards got pump up. What does Phishing means? according to webopedia:

The act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has. The Web site, however, is bogus and set up only to steal the user’s information.

You might wonder what does this phishing looks like, below is an example:

At first it looks like a legitimate one. It is simple to make a website or letter that looks like a legitimate organization site or letter. You should be careful of this, try to look the full details of the senders email address there you will find the difference.