I hope This not same as this one E-mail can be made to appear like it came from a big organization?

I'm not asking how to protect a brands & and large organizations (Google , yahoo, etc ..), but how can a normal user protect himself .

As far as i know there are worms that can get an email's address books , And there are programming libraries that enables users to craft packets .

By using both (stealing the address and crafting an email packet and send it to the right server ) , a malicious hacker should be able to send the victim an email that will look like it came form one of his friends (asking for money for example ) .
So beside the typical way ,that is ; calling the one that the hacker claimed to be is there a technical way to detect such fake messages ?