Replies

Dump Windows
I use Ubuntu full up Linux.
I use Brave as my browser( built-in VPN)
I pay for a private email
service, POVN out of WA state.
they protect emails pretty good.

My numerous passwords all have upper and lower
case letters, numbers, and special characters.
usually a different password for each important website.
I have to keep a password file because I have so many
but I keep the file on a computer
that is not connected to the internet
File on the computer as is the computer, is password protected.

The only hacks that have affected me are the ones where someone stole credit card info from the credit card companies or credit bureaus.
Someone hacked the system and bought
a computer in Ogden UT, with my credit card,
I live in Hawaii, the system flagged it and corrected the problem, with just an email.

I live in very rural Hawaii, and have lots of protections as my main contact with the world is my computer.
My computer and house phone are all on satellite.
The people that track that sort of stuff think I’m in southern California or in various other locations.
Total cost; a little over $100 per month, phone, computer, and email.

"File on the computer as is the computer, is password protected." -- why not turn on computer file encryption to encrypt your entire computer?

How does FileVault work on a Mac? If you store sensitive information on your Mac—for example, if you carry your company’s financial data on your Mac laptop—you can use FileVault to protect your files and keep someone from accessing or copying sensitive data.
If you have a Mac with Apple silicon or an Apple T2 Security Chip, your data is encrypted automatically. Turning on FileVault provides an extra layer of security by keeping someone from decrypting or getting access to your data without entering your login password.

"The only hacks that have affected me are the ones where someone stole credit card info from the credit card companies or credit bureaus."

Look into CapitalOne "Virtual Credit Cards." Every merchant you buy from gets a unique credit card number. They all roll up to your main number on your statement. If you have a lot of auto-pays set up, you only have to change the one CC number if it gets hacked; you don't have to change all of your auto-pays to a new cc number.