Some simple precautions you can follow to help you identify spam e-mails are...
Always keep your virus scanning and firewall software up to date.
If you receive an un-solicited e-mail ...
...then it's probably spam. Simply delete it.
If you are in any doubt contact the e-mail sender (using a verified telephone number) to check if the e-mail is legitimate.
For any secure sites you use (such as on-line banking) always manually navigate to the site yourself - never access a secure site using a link provided in an e-mail. Always use a known telephone number when contacting the e-mail originator.
Finally, I strongly recommend that you run the latest versions of web browsers. These are MS Internet Explorer 8 and Mozilla Firefox 3. You should avoid using older browser versions as they are not as secure and are prone to security attacks.
