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Three guides, one per reader. Evergreen; the weekly adds what changed.

• Protect my money and accounts

  Three habits stop most of what reaches you: lock your email, use one password per site, and treat anything urgent, secret and asking you to pay as the scam it is.

• Keep the kids and the household safe

  Technology helps with children online. It does not do the job on its own. Set the controls once, then keep the conversation going.

• Keep my shop trading

  Small businesses get hit for the same reasons as people, plus one: your email address is public, your suppliers and customers trust it, and criminals know that. Three things, in order, and most attacks bounce off.