Despite repeated recommendations not to do so, people typically write down their user names and passwords or recycle them from one site to the next. That means that if a thief gets hold of the list, or your core password, the Internet can become the world's window into your computer, your finances and your identity.

Identity theft is a $55 billion-a-year concern, according to most leading estimates. Last year, Arizona had more identity-theft victims per capita than any other state, according to data compiled by the Federal Trade Commission.

At AZCentral.

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