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Anyone receiving a text or photo can use their 10 seconds to capture a "screenshot,

"It's not anything that every parent and grandparent hasn't already seen," Harkness said. The problem, he adds, is the actions "get documented, replayed and sent around," and kids "forget how fast it moves and how far it goes."

some of the new social networking sites have become ripe targets for spreading malware and propagating scams.

Also worth noting is that almost every mobile app available collects some kind of personal data, such as a person's birthdate or the location of their phone, and shares that information with third parties for marketing purposes

Several consumer advocates actually recommend exposing their kids to social media sites earlier than age 12, when they're more receptive to hearing lessons about online etiquette and safety.

Levey links her kids' devices to her iTunes account so she's aware of any program they download.

Federal Trade Commission's guide to talking to kids about being online: http://1.usa.gov/PWkwfp