The trick that I usually use is to mouse-over (don't click on it, just hover over it with your cursor) the link that the phisers provide. When using using something like MS Outlook, after a few seconds, you will see where the hyper-link is pointing to. If it is legit, then chances are you will see that their URL matches with their legitimate website. If it points to something else (very often an IP address with a bunch of junk following) then you know right away that it is a scam. Clear as mud?