Cyber criminals now have a wealth of information on almost all of us. With so many hacked organizations now a days, cyber criminals simply purchase databases with personal information on millions of people, then use that information to customize their attacks, making them far more realistic. Just because an urgent email has your home address, phone number or birth date in it does not mean it is legitimate.
When shopping online, always use your credit cards instead of a debit card. If any fraud happens, it is far easier to recover your money from a credit card transaction. Gift cards and one-time-use credit card numbers are even more secure.
Privacy settings on social networks have limited value. They are confusing to configure and change often. Ultimately, if you do not want your parents or boss reading it, do not post it.
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