Oh, Bob.... if it is that Nigerian banking scam... you are probably not aware that there is some way they read your name in your emails (possibly hacked a friend of yours, too) and that is how they put that title in to lure you. I am unclear as to how they do it, myself, but I've received strange personal sounding things like you describe. (mostly medical, since my emails have alot of medical sources).

Another thing to watch out for in your private email...is
[no subject] in the title line. Don't open these...just delete them.

Most of the time if you refrain from clicking on any link you will be safe,depending on your email set up. You can choose an option (Yahoo does this), to mark that sender as "spam" and it will then go into your spam folder.

Abuses in emails are many, and seems they increase all the time with new styles.

Those <don't reply> type addresses are often automated things,
and often come when you have just purchased something, or
joined something. The ones I get are usually "thank yous" of some sort.

It is important NOT to click on "block this message" or "discontinue this message"...as spammers/hackers use your response as vindication of activity of that email. So don't try to block them, and don't click on ANYTHING in the message of any type.