What is a VPN? Do I need one? Will it stop hackers from stealing my e-mail username and password?

Many club gurus use a Virtual Private Network (VPN) service and swear by it. What can and can’t it do? Are there any downsides? Does the average Club member need a VPN? This Thursday, December 5th we’ll try to explain in simple terms what a VPN is and discuss its pluses and minuses.