Hi, 2me. I know exactly how you feel about the possibility of scams. Fortunately, our banking and bill paying were never online. He no longer uses a computer, and business is now conducted on my Chromebook, which has built-in safeguards. I am not savvy enough to update the software to keep it current on other systems which would easily allow access for someone with bad intent. I think it is a blessing, but who knows? It appears that your husband is still quite capable and outside of you being a super-sleuth to avoid the industrious crooks in the world, I am stymied. But, when the time comes, and you will know it, hide the credit cards and keep his medical cards any place except his wallet . Along with a cell phone, we still have a landline because it is the only phone he can still understand how to use. My heart stops when I hear him pick up a strange number. His short-term memory is shot, but he can rattle off his SSN and Air Force ID without skipping a beat. -- I believe in looking ahead to avoid possible problems, but some are beyond discovery until we are knee-deep in them. GloRo