A few years ago, I took a Microsoft course to understand everything that was included with their Windows/Office package. The instructor noted that while the security software on computers has become much better and is updated regularly, cell phones are much more porous for a number of reasons. His suggestion was to never actually purchase anything through a cell phone. Getting alerts from Visa/Mastercard was okay since no actual account numbers were included. I have found that there is nothing I need so badly that can't wait until I get to my computer. With regards to tracking - If they get rid of Social Security and I get so desperate that I need to rob a bank, I will make sure to leave my phone at home. (poor attempt at humor).
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