Misty,
Along with Teisha, I also thought about passwords being a key point. It seems so simple, and yet I think that is where we go wrong. It makes it so much easier to just make everything the same password. I recently did an audit on every single password saved to my computer, and discovered that I had over 150 different accounts. Almost 50% of them used the same password, and who knows which of them have been accessed without my knowledge due to that. So always being cautions and finding ways to keep track of them is key. Great talking point on that subject.
God bless!