If you have an email address, you've encountered spam. That's just one unfortunate reality of a digital world. Scammers will try anything to trick you into downloading viruses and spyware or divulge sensitive personal and financial data. "Phishing" is a term used to describe emails that pretend to be from legitimate companies in order to steal your information. As important as it is to have quality security software, it's also important to be a savvy user and learn to spot the warning signs of fraudulent e-mail and websites.