I feel sorry for you guys that have been burned by these scumbags.
I posted some No-No's earlier but, I did not add the following precautions: that I take.
If possible, NEVER keep financial info on you computer. I NEVER DO!
NEVER do a transaction via a smart phone when making a purchase at a checkout counter. Thieves can have a pocket device to pick up your transmission.
REMEMBER, if you have financial info on your PC, have your files ENCRYPTED.
There are programs you can purchase for this.
If having to keep this info, add a separate/external drive that IS ENCRYPTED to store this info.
Lock it out or disconnect this drive when updated.
NEVER store usernames, passwords, account info & CC numbers etc. on your PC. thieves can plant a bug (like a Key logger) to look for these & steal your info.
ALWAYS, have at least three different usernames & passwords that can be changed/rearranged periodically or, as needed. Keep a hidden list written down somewhere to avoid problems with remembering what goes with what.
Besides these, make variances that you can change at a moment's notice, for security purposes.
Past this, it's all STILL a crap-shoot. It's a **** WORLD man.
Do as much as you can.................
CR