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2. Some emails ask you to send your username or password claiming that it might be lost or something like that. Do not believe and do not send anything! There is no chance that any serious service will ask you for that!
3. The scammers are smarter recently. Instead of asking you to send your login info, they ask you to go to site and update your account details. They provide a link where to click to go to site. Be careful: those links may look like e-gold.com or paypal.com, but they may lead to a different website! Such well known site is for example e-qold.com (note "q" instead of "g"). It can be e-go1d.com, paypa1.com or whatever similar looking. Just avoid clicking on links! If you are unable to determine if mail is scam or not, you can directly type site address or use your bookmarks and update your details. Thus you will be secure that you have done what had been asked from you, but on right site!
4. Some "security issue" warnings claim that they are sending you a security update which you should install on your PC to avoid hacking your account. Never download those attacments. They are keyloggers, trojans or other viruses. None of payment processors will ever broadcast emails with attachment. If you feel unsure just visit site of processor and check news - if they wanted you to download and install something, they would make it available on site!
5. Should you feel something fishy, you can try answering mail and asking for more info. In 90% of cases email will be returned to you, because sender's address is fake. You can go on and try contacting service about this email. Only after receiving a responce you can be sure for source of mail.
Be careful and protect yourself!
Tony Clifton is the Editor in Chief of High Yield Weekly Digest