No number credit cards

2: The bad guy needs to successfully guess my user name on the account.

Another reminder to not only change your passwords from time to time, but also change your username on important accounts and obviously don’t use the same username in multiple places.
 
All this debate, but isn’t the most likely candidate to steal from you is someone you know?
 
All this debate, but isn’t the most likely candidate to steal from you is someone you know?
Actually, DW used to be very active in the elder care community, including being invited to attend, expenses paid, the 1995 White House Conference on Aging. Her figure is that 80% of elders have been financially abused, usually by family members. Few incidents are reported -- out of embarrassment or not wanting to get a family member into legal trouble. Second place as thieves goes to care providers.

In the big world, phishing attacks are the most popular way to get user ids and passwords but we old folks have additional dangers.
 
Another reminder to not only change your passwords from time to time, but also change your username on important accounts and obviously don’t use the same username in multiple places.

And use unique email addresses for each site.

This is easy for a domain owner, but even gmail folks can do it.

A workable but fake example:

MyName256@gmail.com = regular email address.
MyName256.chaseBk45@gmail.com = my email address for chase bank

Bad person can easily guess someone might bank at chase, and easily get your regular email address as everyone gives it out freely. But the regular email address is not recognized as valid by the bank.
So bad person cannot use the "forgot username or password" function.
 
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