So nobody talks about it, and the costs of phishing are generally hidden in the average eight percent that credit card companies figure they'll lose, phishing is tolerated.
Some common sense advice, though the article said it best "IF YOU PAY ATTENTION". If you're not checking your statements every month, then even the credit card companies will rip you off.
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1. I don't have either SSN or Bank Account Numbers anywhere on my hard drive. I write these down on a 3x5 index card cleverly hidden under a stack of $100 bills.
2. I have an internet credit card, $500 limit, I use no other card on-line.
3. Clark Howard reports that even today, 90% of identity theft is still done the old fashion way, they steal your checkbook (now is the time to get a debit card).
4. Call the three credit reporting agencies, put a fraud alert on your files.
5. www.donotcall.gov
6. Most important; all the recent attempts to steal my identity have been thwarted by the scums not having my SSN. Protect that number at all costs
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Spam and Phishing has ruined the email system. If we want it back, we need to insist on some techno reversals and tolerate some minor charges. In this day and age, there are many many website that allow even the most technically challedged to have home pages on the www. There is no reason to send a 15 page letter to 10,000 people, just post it to the www.
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I authored a newsletter for some years and sent it via e-mail to about 900 subscribers. The thought occured to me that to stop spam, the government could tax all e-mails at a penny an address over 100. My newsletter would have cost me $8 to send out as a single mailing. Of course it's no problem for me to have sent it as 9 seperate e-mails and avoid any charges of this tax.
A spammer uses like 10 million address, no way are they going to send it out as 100,000 seperate e-mails. No way are they going to pay the $100,000 tax.
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Also, we could eliminate HTML from e-mail. I'm an old school web developer, content is far more important than form. We see far too many websites today that are pretty as anything, but has absolutely nothing to say. We don't need to clog the e-mail system with such waste.