Hi friends, thanks for downloading the Money Girl Podcast. I'm Laura Adams.

Before we get started, I want to tell you how to win a signed copy of my book, Money Girl Smart

Moves to Grow Rich. You've probably heard of the new social sharing site called Pinterest.

It's an incredibly popular virtual pinboard

where you can organize and share great stuff you find on the web.

Well, I'm having a pin to win sweepstakes

where everyone who pens a money girl post will automatically

be entered in a drawing for my book and I have a stack of them to give away at the end of the month.

Again all you have to do to enter is pin a Money Girl post on Pinterest and I'll see it, but

be sure to add a comment on the PIN that includes your email so we can notify you about

your prize.

A reader named Sarah asks, I make a lot of purchases online, but I worry about identity theft.

Would using PayPal instead of a credit card limit the number of people who have access to my confidential information and keep me safer.

Over 100 million people use PayPal to buy products and services online.

But how does it compare to using a credit card?

If you've never used PayPal, it's a service that allows you to pay online,

using money in your PayPal account, your bank account, or with a credit card.

Anywhere a merchant displays a PayPal checkout button.

PayPal offers some nice benefits, but using it is no guarantee that you won't become a victim of

fraud because it's so popular thieves like hacking into PayPal accounts just

as much as they like stealing credit card numbers.

However, it's easy to beat the cyber criminals at their own game and stay safe if you

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