The rules are simple.
When you drive a car you get a license and take classes to understand the rules of the road.
Using a computer and using the Internet require a minimum attention span to help individuals protect themselves..
Beware of email phishing scams that lure you into a site or other link where you think there is something legitimate to find. In this case I am sharing a random email from a collection I receive on a daily basis. This one is disguised as a voice mail message from an online messaging service.
When I hold my mouse over the links though I can see that they point to .php scripts, or otherwise Non safe locations.