Software that displays pop-up advertising on your computer, collects and relays your personal information , or changes the configuration of your computer, without appropriately obtaining your consent first, is called spyware.

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Treat your passwords and pass phrases with as much care as the information that they protect .

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I’ve met people who have something against credit cards. They feel that a credit card is a catalyst for spending, a black hole which will suck away their money

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