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Carefully guard your User IDs and passwords for online customers. When you create them, don't consider the easy-to-remember. People who know you might be able to guess simple, straightforward user IDs and passwords. And do not write your passwords down or keep them where someone can talk about them. Merchandise in your articles store them electronically, make sure the files are safe.

Of course an individual does. You are an individual can and you have a life. You do many things as 'you' - buy, sell, you name it, you possess a life in life. That's the best part - you're in existence. The bad news tends to be that someone else may want to 'borrow' that life you've created.