Published earlier in 2012 in my earlier Blog – Ported here in Aug 2017: The internet has made life very simple in many ways but has introduced a new set of challenges particularly in the area of personal finance. I have provided some very simple steps that you could take to protect your financial health when using Internet safely in the 21st Century: User ID or Name: Make sure Userids are generic and you do not reveal any personal information. For example, I know of some folks who include their Birthday in their userid e.g. adam07041991. You need to realize that