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And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. But unlike the real world, criminals can run their operations from the safety and anonymity of a keyboard.

We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Like the real world, it’s full of malice, deceit and people looking to make a fast buck.

Debit cards aren’t quite as comprehensive, and depending on when you report the card missing, you could be on the hook for the entire amount. If you have doubts about a transaction, you can even use a one-time use credit card to generate a random card number linked to your actual account.

This will make it harder for criminals to steal information.

Most legitimate websites will carry some sort of seal of approval from an organization like Mc Afee, the Better Business Bureau, Veri Sign or TRUSTe.

This lets consumers know someone has taken the time to verify the trustworthiness of the vendor.

When it’s time to enter your information, make sure the page’s address starts with https:// rather than

If you receive an email with a link to a website, never shop directly through that link — even if it is a big, well-known company.

Most adults know at least a few of the acronyms, like “LOL” for laughing out loud, “JK” for just kidding and “LY” for love you.

Read more: How to see everything Google knows about you However, other teen texting codes are far more secretive.

This will help you avoid clicking through to fraudulent links.

If your teenage son or daughter has a smartphone, they may be using a series of secret codes to communicate with friends without you or other parents knowing what they’re saying.

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