Always check a link that arrives by unsolicited email, and if you think it is from your bank or Paypal etc.. always log on in the usual way (eg. via your 'favourites') rather than clicking on the link within the mail.
On the other hand, short URLs can be very useful, and I use a service called 'Tiny.cc" who allow you to use a custom URL within their shortened framework - all for free too!
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