1. Don’t allow online merchants to store your credit-card information for future purchases

  2. Use a hard-to-guess password that contains a mix of numbers and letters, and change it frequently

  3. Use different passwords for different Web sites and applications to keep hackers guessing

  4. Use the most up-to-date version of your Web browser, e-mail software and other programs

  5. Send credit-card numbers only to secure sites; look for a padlock or key icon at the bottom of the browser

  6. Confirm the site you’re doing business with. Watch your typing; it’s amazon.com, not amozon.com.

  7. Use a security program that gives you control over ‘cookies’ that send information back to Web sites

  8. Install firewall software to screen traffic if you use DSL or a cable modem to connect to the Net

  9. Don’t open e-mail attachments unless you know the source of the incoming message