25 Protect your identity (and your assets) online. As we increase the number of transactions we make online, security becomes more and more of an issue. Be aware of the dangers of doing business online, and protect yourself from disreputable people and companies trying to steal your identity, money, and/or personal information. u Because you’re required to provide your debit or credit card number for online purchases, only use reputable, recognizable sites such as Amazon. u Use uncommon usernames and passwords, and choose a hard- to-guess 4-digit Personal Identification Number (PIN). Don’t use the day and month of your birthday, or 1234, 1111, 2222, etc. u Change usernames, passwords, and PINs regularly, and never give them to anyone other than a parent. u Regularly check your financial statements for anything that looks incorrect or suspicious. u Phishing is the fraudulent practice of trying to get people to reveal personal information such as credit card numbers and passwords. To avoid being a victim of phishing, never link to a retail website from other websites. Instead, visit retailer websites directly. u Decline when asked if you want your account or payment infor- mation saved to your computer. u Use anti-virus protection. When using an anti-virus service you have professionals working to keep you safe. u Be smart. Never click on or respond to anything that looks the least bit suspicious. u If someone wants your social security number, that should be a red flag. Give out your social security number only when you are certain of who is using it and why they need it.