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It's an easy thing for businesses to add your name in the salutation of an e-mail. PayPal, for one, reminds their customers that they NEVER say "Dear customer" but rather use customer's names in salutations. I wish all businesses would do that. It would make us all safer from these phishing dirtbags.
If your mail client or webmail provider shows you the URL when you mouse-over a link in an e-mail, that would alert you to not click on that link. We know that when we see a URL printed underlined in blue, that's not always where you're directed when you click on a link. My e-mail client (Thunderbird) and my browser (Firefox) show the real URL in a status bar; I always check that when I get a suspicious e-mail.
I have a friend who was scammed out of $4,000 several years ago in a fake bank-check scam. Sometimes these scammers get good at it, and you may need to get more than one e-mail before you catch on.
Bottom line? If no one even got bit by these e-mails, we'd never get any of them!
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