We retired and relocated just before the economy turned sour. All of the transactions of selling and buying another home were over the phone and by mail. I didn't like it, I discussed many times with hubby that anyone could obtain our SSN and easily steal our identity. Same with my 401K, I took out a loan from myself so we could close on the new while waiting for the old to sell. Everything was phone and computer. Years ago I was sent one of the blank checks the credit card companies send out and I threw it away without opening the mail. Someone took it out of the trash (living in an apartment at the time and it was communal trash can) cashed it for $1000 charged to my credit card. It took me over a year to get that corrected, but taught me a huge lesson about security. That one wasn't my son lol! When my son and girlie hacked my computer and were trying to access my banking account I was getting emails about password changes so I changed all of my security info to really goofy things. Freddie Krooger as my pet's name etc. I have the credit card company put a flag (not sure what it is called) where any transaction of $200 or more is not approved without them calling me. It's a pain and still not the safest, it's only an automated call to my home and I simply press a key to confirm I made the transaction. When they were sending my emails to her computer I never even thought that they were forwarding them, hubby and I both thought it was a computer virus! I felt really dumb when I called tech support and he told me they were forwarded (a copy) to another email address. It's sad when you can't thrust your own children!