Disadvantages: Credit cards are a mainstay of the world payment system, so washing your hands of plastic money is among the most difficult moves you can make. In any case, some cybercurrency systems offer only limited protection from government snooping and many carry significant risks. The value of Bitcoin, one of the better-known forms of electronic cash, has oscillated wildly, while users of another popular online currency, Liberty Reserve, were left out of pocket after the company behind it was busted by international law enforcement.

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DON'T KEEP YOUR DATA IN AMERICA OR WITH AMERICAN COMPANIES

U.S. companies are subject to U.S. law, including the Patriot Act, whose interpretations are classified. Although the exact parameters of the PRISM data mining program revealed by the Guardian and The Washington Post remain up for debate, what we do know is that a variety of law enforcement officials â¿¿ not just at the NSA â¿¿ can secretly demand your electronic records without a warrant through an instrument known as a National Security Letter. Such silent requests are made by the thousands every year.

If you don't like the sound of that, your best bet is to park your data in a European country, where privacy protections tend to be stronger.

Disadvantages: Silicon Valley's Internet service providers tend to be better and cheaper than their foreign counterparts. What's more, there's no guarantee that European spy agencies don't have NSA-like surveillance arrangements with their own companies. When hunting for a safe place to stash your data, look for smaller countries with robust human rights records. Iceland, long a hangout for WikiLeaks activists, might be a good bet.

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STEER CLEAR OF MALICIOUS SOFTWARE

If they can't track it, record it, or intercept it, an increasing number of spies aren't shy about hacking their way in to steal your data outright. Edward Snowden, the NSA leaker, warned the Guardian that his agency had been on a worldwide binge of cyberattacks.

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