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Two things to remember as you prepare to file your taxes: If you get an e-mail from the IRS, it's probably a scam. And don't forget the stamp. As the April 15 tax filing date nears, online tax-related scams tend to ratchet up, experts say. If you're not careful, you could lose a lot more than just the refund. "Filing your taxes online is extremely convenient, however if you want to maintain the privacy of your data, you need to ensure that you are connecting to the proper Web site, that the connection is using encryption, and that your computer is free from any malware. If any of these components are compromised then your data is not safe," Ryan Barnett, director of application security research for Breach Security, said on Friday. "This would be like going to an ATM machine to withdraw money and allowing everyone around you to see your PIN number as you punch it in," he added. Not only do people have to take precautions in storing and transmitting their data over the Internet, but they also have to be wary of social engineering-type ruses that scammers use to trick people into giving out their sensitive data. Probably the most common type of tax season scam is the fake IRS phishing e-mail. These e-mails will either claim to be a tax refund or an offer to help file for a refund, settle tax debt, or other aid. (Not long ago, scammers were offering economic stimulus payments, even before the plan was approved.) They will provide a link to a Web site where the visitor is prompted to type in personal data like a Social Security number. Don't trust it, experts say.

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In an indication of the legal troubles that companies can find themselves in over data breaches these days, several banks and credit unions have begun suing Heartland Payment Systems Inc. over its recently disclosed data breach. In the six weeks since the potentially massive breach was disclosed, eight banks and credit unions have filed lawsuits against Heartland over its alleged failure to take adequate measures for protecting credit and debt cardholder data. Heartland said on Jan. 20 that unknown intruders had broken into its network sometime last year and accessed payment card data belonging to an undisclosed number of customers. The breach, thought to possibly be the biggest ever disclosed, has already affected over 500 financial institutions, including a handful in the Bahamas, Bermuda and Canada. The lawsuits seek compensation from Heartland for the costs that the financial institutions said they've had to bear in notifying affected customers about the breach and in reissuing new payment cards. The lawsuits also claim damages from Heartland for costs of the alleged fraud that the banks claimed have resulted from the breach.

Yet another breach of sensitive, unencrypted data is making news in the United Kingdom. This time the breach puts Royal Air Force staff at serious risk of being targeted for blackmail by foreign intelligence services or others. The breach involves audio recordings with high-ranking air force officers who were being interviewed in-depth for a security clearance. In the interviews, the officers disclosed information about extra-marital affairs, drug abuse, visits to prostitutes, medical conditions, criminal convictions and debt histories - information the military needed to determine their security risk. The recordings were stored on three unencrypted hard drives that disappeared last year. The interviews were conducted to ensure that the officers "can be trusted with sensitive government information and property," the Ministry of Defense said. But the interviews have now become a huge security risk for the officers and the Ministry of Defence, which has proven itself to be untrustworthy when it comes to guarding sensitive information and property.

The global recession manifests itself in big and small ways, most gloomy, some quirky and often reflecting the inventive human spirit. Here is a look at some signs of the times. * With record defaults on consumer loans, collection agencies in the United States are going to extra lengths to recover the money. Illinois resident and Mercedes driver James Ricobene says an agency hired by JP Morgan Chase left a post on his daughter's MySpace page threatening action that could lead to prison, unless she contacted the agency within five days about its efforts to repossess her father's car. Ricobene has sued the collection agency and JP Morgan for libel, fraud and invasion of privacy.