Take advantage of all the great online shopping and banking sites out there without taking unnecessary risks, here's how.

Make sure your connection is secure -- the website address will start with https and your web browser will display a little padlock graphic.

Avoid "phishing" scams by going directly to the website of a store you know or a bank you use. Don't trust phony emails that tell you to click a link because there's a "problem with your account".

Change your passwords once every few months. Passwords that include both numbers and letters and are over 8 characters long without real words in them work best.

For more tips on how to protect yourself online and keep your information private and your money safe visit http://www.kiboo.com

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