Howard Schmidt was reluctant to join Facebook, LinkedIn and MySpace. Security expert Bill Boni says social networking is a tool that can make people more productive and effective. Boni and Schmidt say it’s possible to reap the benefits of social networking and stay safe at the same time. Each site has various options to decide how much or little you want or lock down your information. Do your homework before joining each site and what type of features you are comfortable sharing on each site, says Boni.”]