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4 Free Ways to Protect Your Identity

No-Cost Ways to Keep Safe from Scammers

Security Freeze – If you are over 65 or have been a past victim of identity theft, you can contact the major credit reporting agencies and request a security freeze. This restricts access to your credit history. If businesses can’t see your report, they won’t approve new financial accounts in your name. But beware, if you apply somewhere for credit, they won’t be able to see your report either.

Read more: 4 Free Ways to Protect Your Identity

Using Your Smartphone to Save

In the age of apps (does anybody even remeber apps is short of applications?), ther are a few that can save you money when you're shopping.

Coupon Sherpa will search for coupons online and send them directly to your smartphone for scanning at the checkout.

CardStar can store your retailer loyalty cards on your phone, so you won't have to dig in your purse or wallet to get the added benefits they bring.

There are may others, Do a little searching on the internet and see if you can one or more that are perfect for you.

The Tooth Fairy & the Cost of Living

How much did the Tooth Fairy leave under your pillow when you lost a baby tooth?

How much do you think she leaves now?

Surveys show, the Tooth Fairy now delivers over $4 a tooth! Unfortunately for us, that's only for baby teeth!

Tips to Protect Your Money

Here are some tips to help protect you from losing your hard-earned savings to Ponzi-like investment schemes:

1.) Research your broker and the investment - Studies show fewer than 20% of people ever check up on their broker or where he or she may be placing their money. Two good places to start are the SEC's investor.gov & the Financial Industry's Regulatory Authority's brokercheck.finra.org.

2.) If it seems too good to be true, it's probably not true. When you hear phrases like "no risk" and guaranteed returns," run the other way.

3.) If you don't understand the investment, be wary.

4.) Don't be startruck - Celebrity endorsements don't really mean anything. The endorser is usually being paid or has a financial interest in you making an investment. 

Above all, take your time! Don't let a broker try to hurry with warnings that the quicker you invest, thequicker your money will grow. It can also be the quicker you lose everything!

Besides Diana Ross, what other two girls made up the original Supremes?

Flo Ballard and Mary Wilson
O'RyanCordes Marketing