The perfect PIN is not four digits and not associated with your life, like an old telephone number. It's something easy for you to remember and hard for other people to guess.

I characterize myself as a retired hacker. I'm applying what I know to improve security at companies.

New security loopholes are constantly popping up because of wireless networking. The cat-and-mouse game between hackers and system administrators is still in full swing.

Some people think technology has the answers.

If you go to a coffee shop or at the airport, and you're using open wireless, I would use a VPN service that you could subscribe for 10 bucks a month. Everything is encrypted in an encryption tunnel, so a hacker cannot tamper with your connection.

But a lot of businesses out there don't see the return on investment, they look at it as a liability, and until they can understand that proactive security actually returns, gives them a return on investment, it's still a hard sell for people.

Social engineering bypasses all technologies, including firewalls.