Get a separate checking account for on line and paypal type stuff. Attach paypal to that. Keep a minimum of money in it. When you get paid for something through paypal, transfer it to a secure account right away.
I may get scammed or hacked (again), but they won't get much.
Know who you're dealing with.
I wonder if PayPal could somehow have the bank claw back the money, even if transferred. You wouldn't think so, but anything is possible I'm sure.
