Many internet users have become increasingly concerned about protecting their privacy online,  but it isn’t just thieves and hackers we need to be concerned with – what about your government accessing everything you do online?

Security expert Bruce Schneier, who worked on the Edward Snowden stories, told British paper, The Guardian recently that, “If the NSA wants in to your computer, it’s in. Period”.

“The NSA has turned the internet into a vast surveillance platform, but they’re limited by the same economic realities as the rest of us, and our best defence is to make surveillance of us as expensive as possible.”

For practical solutions, here’s what some of the top security experts suggest to deter both state spies and ordinary fraudsters:

• Passwords: Don’t use the same one all the time. Make it complex with upper- and lower-case letters, numbers and characters such as $%&!.

• Security or password reset questions: …