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We live in an age with an abundance of personal information exposed in the ether of the internet. Most of this information is disclosed voluntarily by the user, often without direct monetary cost. Social media is more prominent than ever—from old mainstays like Facebook and Twitter to newer apps like Instagram and Snapchat. There are even plenty of platforms for anybody to go and engage with niche interests, such as Pinterest and Reddit. This profile may be relatively anonymous or tied to one specific interest, or it could be a place where you simply look to express yourself in a directed fashion.

For example, you can have food and alcohol delivered to your door, catch a ride, look up reviews, or go shopping from your phone or tablet. These services provide convenience, which largely outweighs any cost to the consumer. However, there are also discernible negative effects, chiefly our weakened ability to focus. Studies have shown that we have an eight second attention span, partially due to the constant use of apps. This ease of use and shortened attention span mean that many do not give full attention to financial details upon which they may have previously fixated.

With the internet, more people have access to your personal and credit card processing information than ever. Although we would never pass our credit card in line at the coffee shop to pay for our order, we effectively do so when purchasing online. Whether justified, it had long been perceived to be a fringe activity that attracted socially dysfunctional people who were uncomfortable with approaching others in person.

Many dating sites and apps are offered for free, which makes many wonder how the ventures make billions of dollars annually.

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