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The best defense against identity theft is a good offense. Therefore, here are some prevention tips. Around the house Shred any and all unwanted credit card offers, or, indeed, any no-longer-necessary personal papers with personal information on them. Be careful as to who house-sits if you are away. You might hide unused checks, but it only takes [...] As many as 10 million Americans have their identity stolen each year, according to the Federal Trade Commission (FTC). Identity theft is a silent crime that can go undiscovered for months, and unfortunately it doesn’t take a genius to perpetrate identity theft. Identity theft takes many forms, but the ultimate goal is to profit financially by [...] If your employer doesn’t offer health insurance, or you simply don’t want to pay for coverage you don’t need, you may be a candidate for a “major medical” health plan, sometimes called a “catastrophic” plan. Major medical health insurance is typically characterized by high deductibles and low monthly premiums. These plans typically cover only major hospital [...] You may not realize the potential danger of becoming disabled. The U.S. Census Bureau estimates that you have a one in five chance of becoming disabled. Also, the average long-term disability (LTD) absence from work lasts 2.5 years, according to the Council for Disability Awareness (CDA). That’s a long time to survive without a steady [...] If you were to become disabled tomorrow and couldn’t work for two or three months, would you have enough savings to cover your living expenses during that time? If not, you may want to consider short-term disability insurance. According to the Council for Disability Awareness, 3 in 10 people entering the workforce today will become disabled [...] |
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