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now one other tip I'll give you is I don't own a debit card I've never owned one I've never allowed my three sons to possess one certainly and truly the worst Financial tool ever given to the American Consumer so a long time ago I asked myself a simple question how would I remove 99.9 of my personal liability like that because I really don't want to worry about all these things so I use the safest form of payment that exists on the face of the Earth and that is a credit card credit card Visa Mastercard American Express Discover card not debit credit but credit card every day of my life I spend their money I don't spend my money my money sits in a money market account it earns interest actually nobody knows where it is because it's not exposed to anybody to find it it's just sitting there I go to the dry cleaner I give my card I pick up the groceries I give my card I put fuel in my boat on the weekend I use my card I pay the marina to keep my boat in the water all year long they put the rent on my credit card I travel all over the world why I wait to get reimbursed I use my credit card if I need Euros I go to the ATM machine I use my credit card I'm not going to use my debit card to get Euros overseas or pounds in Great Britain and every day I use my card and then if I pay the bill in full or part of the bill my credit score goes up so I'm building credit while I'm using that credit card and if tomorrow and I'll do everything to protect my information but if tomorrow someone gets my card number and charges one million dollars on my credit card by federal law my liability is zero I have no liability so yes I love to shop online I don't use a special card I just use my credit card if they don't deliver the merchandise if they deliver it and it's broken if the host site I went to was fictitious to begin with I have no zero zero liability when you use your debit card every time you reach for it you're exposing the money in your account the only person is going to get robbed is you when you use your debit card you could use it for the next 50 years 20 times a day you will not raise your credit score by that much and of course when you use your debit card you are liable up to a certain amount and it takes a while in order to get that debit card fixed so when we do Post investigations at breaches and we say to someone on your incident what happened well I was in Target but I used a Visa card so I...