I don't understand the UPS E-mail. Some of these I would have got if I seen them in my own browser. I mean, was I expecting this E-mail? would be a tip off and I would check with my bank or PayPal before I did anything with the E-mail. Got 60%.
http://www.sonicwall.com/furl/phishing/
I got 80%, but my two wrong answers were false positives, so I'm not real worried about being compromised. The only reason this test is relevant to me at all is that I do make a habit of forwarding phishing emails I'm pretty sure are spam to the "abuse" address of the spoofed company's domain (obtained via Google if necessary) in addition to marking the email as spam with my ISP.
Like several other posters, my primary defense is to never click on links in emails that involve signing in or otherwise providing data to any website. For that matter, I rarely even click on purely informational links (ads and so forth) unless I'm expecting the email. If it's from a business I deal with and it's not an obvious phishing email I'll simply ignore, I sign in to my account at the main portal I already have bookmarked and go from there, or call a phone number I already have.
Most of the relatively few phishing emails I get are nominally from businesses I've never heard of, let alone dealt with, anyway, which makes things really easy. And since I use a couple of different email addresses on a regular basis (I give different businesses different addresses based on my own idiosyncratic categorization of the relationship), an obvious tip-off is getting email purportedly from a company I do business with, but which was sent to the "wrong" address.