Hi Helen.
There is one way of stopping your informaton from being used, and that is by using the on sceen keyboard function....
I am actually using it to type this post and even though it is a lot slower then 'normal' typing, if you use it for ALL your user names & passwords, then that will go a long way in confusing and stopping most of the programs that are used to collect information.
As the vast majority of us use windows, click on start,all programs, accessories, accessibilty, on screen keyboard.
As these programs log your keystrokes (Key Loggers, see Mohamed Gani's post) using the on-screen keyboard with your mouse i.e; clicking, stops these programs from copying your information, as a click is a click is a click...
If you really want to code all your passwords and user names, follow the same steps to accessories, then system tools, then character map, you can change the alaphabet into latin, or devise your own language. Then copy/paste your passwords.
Also, get good spyware/adware cleaning programs & run them daily. Set your start up program to utilise these programs so you don't forget.
Clean out cached cookies daily also, you will be suprised at what information can be obtained from your computer by the cookies saved on it.
Just be aware everyone of the criminal mind, if they want some thing, they will devise away to get it.
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