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it was when I got this addiction of buying things off the internet since I found a lot of useful things for prices that were to die for. for internet shopping you have to keep a certain distance from virtual strangers by not disclosing much information about yourself. this could only be done if there is an intermediary involved who has the access to your money and can make payments on your behalf and also receive payments on your behalf. paypal was the intermediary I needed. I read all the information that the paypal service center provided me. the information that paypal required to signup was very basic and the best part was that the signup was completely free. paypal were only to cut money if any deposits are transfered to your paypal account. if paypal received a payment that can also be transfered from your paypal account to any other bank accounts with payp[al charging you. I had to close my paypal account eventually as the much convenience it provided was turning me into a shopaholic but it is great for those who are involved in online transactions.