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My eighteen year old nephew loves money. He loves getting money, he loves earning money, and he loves saving money. He worked like a dog all last summer on a construction crew and socked his money away in his bank account. Good boy. His mother and father were so proud. Then one day, out of the blue; $500 -- gone from his bank account. I repeat, his money…gone!  Oh, the shock, the despair. How did this happen? He marched into his bank demanding an explanation. He stood his full 6 feet 7 inches tall, flexed out his hockey player biceps and said in his most authoritative voice, “I want my money back now!” The personal banking associate barely glanced at him. “Your card’s been compromised, fill out this form. ” That was it. By day’s end his money was back in his account. But what does that mean, compromised? How exactly does one’s bank card become compromised? Better yet, can you prevent your card from being compromised?

Basically, if your card has been compromised, someone’s trying to steal your card information and ultimately your money.   In 2003, Canadian banks coughed up $44 million to clients whose accounts were ripped off. Buy prescription viagra   in 2005; $70 million and by 2006; $95 million.   Yes, ninety-five million dollars -- stolen.   Picture the pile of twenties. . . !   

Don’t panic; debit cards are useless without a pin.   We all know protecting our pin is critical, [buy prescription viagra] but I’ll bet you ninety-five million dollars, we’re not all quite as cautious as we should be.   The standard rules for protecting your pin are as simple to follow as they are to overlook.

Cover your pin.   It’s not always easy buy prescription viagra, but even if you can cover one or two numbers with your hand, it’ll prevent crooks from getting to your money.  

Memorize your pin.   Of-course you have it memorized!  I’ve never once seen anyone in line at the grocery store looking up a pin on a piece of paper.   You’re off to a good start.   Now go through your wallet and throw out that little slip of paper you originally wrote your pin on.    

Don’t tell anyone your pin.   Nobody knows your pin. . . except your spouse.   Oh, and your kids because they like to push the buttons.   Oh, and once you lent your card to your sister.   Oh, and your neighbour does an ABM run for you once in a while.   Enough said.   Really, don’t tell anyone your pin.

Pick a pin that’s tough to guess.   We’re all savvy enough not to use our phone numbers as our pin.   Just imagine if your wallet is stolen.   Would a smart buy prescription viagra thief figure out your pin from  your driver’s licence?  Birthday, year of birth or address aren’t really the wisest choices.     For those who are thinking of their pin right now and smirking, will you please stop using 2424 and 6969!  Seriously, just ask my nephew how clever that was.


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