identity-theft3To guard against identity theft, never give out your Social Security number. Treat it as confidential information.

Commit all passwords to memory. Never write them down or carry them with you.

When using an ATM machine, make sure no one is hovering over you and can see you enter your password.

When participating in an online auction, try to pay the seller directly with a credit card so you can dispute the charges if the merchandise does not arrive or was misrepresented. If possible, avoid paying by check or money order.

Adopt an attitude of healthy skepticism toward websites that offer prizes or giveaways. Chances are, all that’s been “won” is the opportunity to buy something you didn’t want in the first place.