Increasingly, identity theft is a fact of life. We might once have hoped to protect ourselves from hackers with airtight passwords and aggressive spam folders, and those are good ideas as far as they go. But the truth is, there are people out there — a lot of them — who treat stealing your identity as a full-time job.

One such company is a nameless firm located in Russia, which has a trove of over a billion internet passwords. Another set up a website full of live streams of hacked web cameras, showing everything from people’s offices and lobbies to the feeds from baby monitors. Even purchases made in person are still logged by retailers like Target, who are famously vulnerable to hackers.

Adam Levin, a longtime consumer advocate and identity fraud expert, is your guide to this brave new world. By telling memorable stories and extracting the relevant lessons, he offers a strategy for dealing with these risks.

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