Your email program should display the address of any link in an email. In Thunderbird this shows up in the status bar when you hover over the link, revealing that the link is not in fact to login to your paypal/ bank account etc, but in fact is taking you to www.ripmeoff.com

If it's a particularly clever-looking scam, such as one that appears to have some of your personal details,it's worth reporting it to the site it's pretending to be.