There seems to be an “urban myth” that young people, or very “tech savvy” people, don’t care about how much personal data they put out on the web. Wrong!! People are concerned about their privacy and the information that’s out there about them. While there are stories to the contrary, recent studies show this is a concern that cuts across all age groups.

And people are equally frustrated by not knowing what they can do. People look at websites and see the various “remember me” buttons but may not fully appreciate what clicking “yes” to that means. And who has time to read to the end of long online or paper privacy notice to find out how to “opt out” of having information automatically stored or shared?

There’s no “right” or “wrong” answer but it’s worth taking a minute before automatically hitting “yes”. The “remember me” button creates a persistent login cookie. Sure, it’s easier not to remember every password you’ve created for each of the websites you use. But a cookie isn’t invulnerable from attack — and your information could be at risk if such an attack were to happen. Also, if your computer is used by, or accessible to, other people, you might not want them to be able to easily access the sites you visit.

Just think about your own comfort level and situation so you can make the decision that’s best for you.

And here’s one practical tip for those of you getting the paper privacy notices from financial institutions. Try going to the very last page of all that tiny, tiny print. That’s where you’ll often find the ways to “opt out” (if you want to) from having your information shared with all of their business partners and from getting solicitations from their subsidiaries and others.