Y: Hey Don, did you just send me an email telling me to check out a website called www.coolstuff.com?
D: No. Why?
Y: 'Cause I just got an email from you saying exactly that.
D: It's called phishing. Someone out there in cyberspace got hold of my online information, learned that I regularly send you emails, and sent you an email under my name.
Y: What's the point?
D: Well, it could just be an annoying prank. But a lot of the time phishing is used by people who want to steal your personal information and bank account numbers. A talented phisher can hack into your system, find out where you do your banking online, and send you a mock email that really looks like it's from your bank. The email might claim that there's a problem with your account and that you need to click through to the website and enter in your user name and password. But, of course, the website you're led to isn't the real bank site--it's a clever mock-up meant to fool you.
Y: Yikes. So how can you tell the difference between a real email from your bank and a fake one?
D: It can be difficult. But one rule of thumb is that a real bank would never send an email asking for your account information. If you're not sure, call the bank and ask what's going on. Chances are they'll tell you they didn't send anything.
Y: So the best thing to do is erase the email.D: Yep. It's nothing more than a baited hook.