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Peter Cerruti
440 South West End Blvd, RT 309
Quakertown  PA 18951
 Phone: 215-429-7273
Office Phone: 215-538-4400
Fax: 267-354-6992 
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Peter Cerruti

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Most 2014 Summer Vacation Plans Not Even Made

May 23, 2014 4:33 pm

Airfarewatchdog™ has released the results of its 2014 Summer Travel Survey. Over 13,000 Airfarewatchdog subscribers responded to the poll, which indicated that most respondents plan to fly for vacation, but that 61 percent have yet to fully book their trips.

Flying High

• 77 percent of the Airfarewatchdog survey respondents said they are flying (or a combination of flying and driving) to their summer vacation destination while only 15 percent are planning to drive.

Most Travelers Saying "Yes" to a Summer Vacation

• 83 percent are taking at least one vacation this summer—and they're spending.

Of those who are vacationing:

o The average overall summer travel budget is $4,467.
o 32 percent are taking 4–7 vacation days.
o 22 percent are taking 8-11 vacation days.
o 17 percent are taking more than 15 vacation days.

Last-Minute Planning Takes the Lead

• 46 percent still haven't booked their summer vacation.
• Only 38 percent of travelers have fully booked their vacation.
• 15 percent have only booked a part of their vacation.

Which Is the Best U.S. Airline?

• An overwhelming 29 percent said that Southwest Airlines is their favorite airline to fly, followed by Delta at 18 percent and JetBlue at 11 percent.

Airfares a Major Deterrent, but Still a Bargain Compared to Years Before

• While many of us have to travel by air, there are still points of pain.
o From a wide range of choices, expensive fares were the highest booking deterrent (74 percent) in the survey results. But not all fares have consistently risen over the years. New York to Liberia, Costa Rica cost $302 RT in May 2005, but recently it cost $288 RT. That $302 fare adjusted for inflation is equivalent to $366 today— so in almost 10 years, that fare has actually dropped $78 in inflation-adjusted terms.
o Fees (all of them) were the second-highest deterrent (22 percent).
o Lack of space/legroom on the plane rounded out the top three (18 percent).

"Judging by the average spend on vacations this summer of nearly $4,500, it would appear that big budget travel is making a comeback,” says Airfarewatchdog president, George Hobica.

Published with permission from RISMedia.


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10 Ways to Celebrate Memorial Day in Your National Parks

May 23, 2014 4:33 pm

The National Park Foundation, the official charity of America's national parks, invites Americans to join in remembering our brave veterans in national parks across the country. On Memorial Day weekend, many sites throughout the National Park System will hold events in memoriam of the greatest sacrifice made by those protecting our nation, while other sites stand as permanent tributes to fallen soldiers year-round.

"Memorial Day is about honoring all who have served," said Neil Mulholland, president and CEO of the National Park Foundation. "National parks guard and honor the legacy of our brave military men and women in places such as battlefields, historical parks, and national monuments."

From the American Revolutionary War to the events of September 11, 2001, the National Park Service and National Park Foundation work to protect the memory of those lost in service to their country. This Memorial Day, everyone can observe this day of reflection in a national park, paying respect to the ultimate devotion and sacrifice made by fellow Americans.
Celebrate and honor the memory of U.S. military members by:

1. Learning what it was like to be a soldier in the American Revolutionary War at Independence National Historical Park (Pennsylvania) with activities and presentations throughout the day.

2. Remembering the lives lost in the first battle of the U.S.-Mexican War at Palo Alto Battlefield National Historical Park (Texas), one of the foundations’ American Latino Heritage Fund sites.

3. Paying tribute to America's fallen troops -- from the War of 1812 to today -- at Jean Lafitte National Historical Park and Preserve's Chalmette National Cemetery (Louisiana).

4. Reflecting on the sacrifices of this nation's military personnel at Shiloh National Military Park (Tennessee) by listening to living historians as they interpret wars from colonial times to today.

5. Visiting the numerous sites at National Mall & Memorial Parks (Washington, D.C.) and taking time to remember the contributions and service of American veterans both at home and abroad.

6. Recognizing the valiant dedication of the first African American military pilots in World War II at Tuskegee Airmen National Historic Site (Alabama), one of the foundation’s African American Experience Fund sites.

7. Joining Fort McHenry National Monument and Historic Shrine (Maryland) as they pay tribute to the graves of fallen War of 1812, Civil War, World War I and II, and Korean War veterans.

8. Honoring of the lives of ordinary passengers and crew members, who joined together for an extraordinary act of selflessness at Flight 93 National Memorial (Pennsylvania).

9. Exploring the Lincoln Memorial (online) through an interactive website that showcases the memorial and park ranger reflections on its history.

10. Watching PBS's live National Memorial Day Concert on Sunday, May 25, from 8:00 to 9:30 p.m. ET, and enjoying the musical tributes by groups such as the U.S. Army Chorus, U.S. Navy Band Sea Chanters, and the U.S. Air Force Singing Sergeants.

Source: National Park Foundation

Published with permission from RISMedia.


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Home Design: The Value of the Ideal Exterior Color

May 22, 2014 4:30 pm

(BPT) - When it comes to designing a home - whether it's new construction or a renovation - choosing beautiful exterior colors and complementary accent hues is critical to creating an appealing household.

"To select the right colors for your home, view siding colors as an exterior project tool that both turns a home into a showpiece and increases its value," says Leslie Harrington, executive director of The Color Association of the United States.

Color and architecture trends vary from city to city across the United States. The homes and buildings within a neighborhood define its character and in some ways, culture. Before deciding on the best design, take into consideration the local geography and design trends.

Here are four general recommendations to help a homeowner determine the best color choices for a home:

* Location - Consider the neighborhood as a whole. Think about the next-door neighbor and the homes down the street. Regardless of the neighborhood, the streetscape - sizes and facades of homes, landscape architecture, balance of light and shade - plays a role in creating an idyllic neighborhood and affects the value of individual homes and communities, overall. The natural surroundings also play a significant part in color selection. For example, a green wooded area would blend better with earth tones than a home near the blues and grays of the ocean.

* Color combinations - Selecting the right combination of colors for a home varies, but a good rule of thumb is to use three to six, depending on the siding and trim of the home. A best practice is to avoid selecting more than two siding colors, one trim color and one accent color for features like doors and shutters.

* Balance of color choices - A home's visual balance can be disrupted by color hues that don't mix or match. The eye is naturally drawn to light colors, so consider pairing a brighter, lighter garage door with a darker siding shade. Contractors, builders or remodelers can help guide homeowners on choosing multiple siding colors and trim hues that not only create a classic look for a home, but also help it blend in with its surrounding environment.

* Color performance - A home is a reflection of the person and family in it. It's also an investment. If exterior products are both functionally and aesthetically sound, they offer a greater curb appeal, which can also help with resale value when the time comes.

Published with permission from RISMedia.


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Safely Spring into Home Improvement Projects

May 21, 2014 4:27 pm

Many people across the country are celebrating the end of a long, cold winter by de-cluttering their homes and tackling a growing list of other spring cleaning projects around the house. Whether you're starting up the lawn mower for the first time this season, climbing a seldom-used ladder, or simply moving furniture to clean those hard-to-reach places, spring cleaning chores create a number of safety hazards that could lead to injury if the proper precautions are not taken.

"Thousands of Americans are injured from cleaning and home improvement projects each year, and it is often because we fail to recognize the dangers of these seemingly simple, low-risk chores," said orthopaedic trauma surgeon and American Academy of Orthopaedic Surgeons (AAOS) spokesperson Gregory John Della Rocca, MD, PhD. "By recognizing the risks involved in using items such as ladders, lawn mowers and power tools—and knowing how to use them properly—you can reduce your risk of injury."

According to the U.S. Consumer Product Safety Commission, in 2013:

• More than 511,000 people were treated in hospitals, doctors' offices and emergency rooms for injuries related to ladder use;
• Approximately 301,425 people were injured from lawn mower-related injuries;
• Nearly 7,500 were treated for injuries related to power tools; and
• More than 569,000 injuries were related to sofas, couches, davenports, divans or studio couches.
In an effort to prevent these unfortunate injuries, AAOS offers the following recommendations to stay safe as you prepare your home for the change in seasons:

Ladder Safety
• Always place ladders on a firm, level surface. Never place a ladder on ground or flooring that is uneven, soft, wet or otherwise unstable;
• Make sure your shoelaces are securely tied and your pant legs do not extend underneath your shoes;
• When working on a ladder, leaning too far to one side or reaching too far overhead can make you lose your balance and fall. As a point of reference, your belly button should never go beyond the sides of the ladder;
• Never climb a ladder without someone nearby who is able to spot you;
• If working outside, make sure the ladder is away from electrical wires, tree limbs or any other obstructions; and
• Use a sturdy step ladder instead of a counter-top or furniture, such as a table or chair, when cleaning high, hard to reach areas.

Lawn Mower Safety
• Keep lawn mowers in good working order. When using a lawn mower for the first time in a season, have it serviced to ensure it is working correctly;
• Be sure the motor is off before inspecting or repairing lawn mower equipment;
• Use a stick or broom handle (not your hands or feet) to remove debris from the blade;
• Wear protective gloves, goggles, closed-toe, sturdy shoes and long pants when using a lawn mower. Never mow barefoot or while wearing sandals or flip flops;
• Do not leave a lawn mower unattended when it is running. If you must walk away from the machine, shut off the engine; and
• When using lawn mowers, be sure that children are not playing in the area being mowed. Never carry a child on your lap when utilizing a ride-around lawn mower or tractor.

General Safety
• Use proper technique when lifting and carrying to avoid back injuries:
• Separate your feet shoulder-width apart, bend at the knees, tighten your stomach muscles and lift with your leg muscles as you stand up; and
• If an object is too heavy or is an awkward shape, do not try to lift it by yourself.
• Read directions carefully before operating power tools and other equipment;
• Be cautious when using extension cords. To avoid tripping or falling, be sure they are properly grounded and do not drape extension cords across spans of crossing walkways;
• Take frequent breaks while working around the house and drink plenty of fluids before, during and after to prevent dehydration; and
• Always keep a phone within reach in case of accident or injury.

Source: American Academy of Orthopaedic Surgeons

Published with permission from RISMedia.


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Top 5 Ways to Create the Ultimate Backyard This Summer

May 21, 2014 4:27 pm

The start of summer means entertaining friends and families, hosting cookouts and barbeques, and spending time outdoors. These days, the backyard has become an extension of the family room and kitchen.

According to a U.S. online survey conducted by Harris Interactive on behalf of the Professional Landcare Network (PLANET), spending on decks and patios has been on the increase. Consumers reported they intended to spend 37 percent more in 2013 to hire professional help for patios and other hardscape and specialty services.

PLANET offers their top five ideas to transform an ordinary yard into the ultimate retreat, family fun, or entertaining space this summer.

Add an Outdoor Kitchen. Outdoor kitchens have been growing in popularity for years and are often the center of family life in the summer. They can be as extensive as a complete kitchen made of stone, brick, or concrete pavers with a stove, stone or brick oven, counters, and even a sink or refrigerator, or they can be as compact as a patio with a grill and table. There are a wide variety of options for every space, purpose, and price range.

Add Outdoor Lighting. Outdoor lighting highlights a home's landscape, special trees, as well as walkways and porches, providing both curb appeal and safety. "Nightscaping" makes gathering spaces usable and enjoyable for entertaining after dark. Landscape professionals can design lighting to complement or highlight important areas of the yard, and there are a variety of basic do-it-yourself options, such as adding a set of solar walkway lights.

Add a Fire Feature. A portable fire pit or chiminea, or building a stone fireplace into the deck or patio extends the time people can spend in their backyards, making a cozy entertaining space on summer nights or well into the fall and winter.
Add a Water Feature. Water features, ranging from small fountains to ponds, streams, or water walls, create a sense of peace and calm, help people connect with nature, and may attract wildlife.

Create a Wildflower or Herb Garden. Wildflowers or herbs make great container gardens or ground cover. They are beautiful and smell great. Many home chefs grow their own herbs and many landscape companies now create edible gardens for clients. These gardens are also a benefit for the environment and for wildlife, providing food and safe cover for small animals.

"Outdoor living spaces have evolved from a grill and a picnic table to lavishly landscaped patios and decks with couches, lounge areas and dining spaces under shaded arches, trellises, and porticos," said Sabeena Hickman, CAE, CMP, CEO of PLANET. "Americans have had a long love affair with the backyard barbeque, and now, they are taking it to the next level."

Source: PLANET

Published with permission from RISMedia.


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9 Things to Know About Working with Movers

May 20, 2014 4:24 pm

It’s almost summer which means many people are moving. Doing it yourself is physically tough and can be expensive, while using movers often makes a lot of sense. But how do you make sure you’re using a good one?

Here are nine things from Renthop that you should know about choosing and working with movers.

Look at publicly-available information. All interstate movers are required to be both licensed and registered with the US Department of Transportation’s Federal Motor Carrier Safety Administration. That site will also have complaint reports for registered movers. If you don’t find your mover on that site, investigate. If the mover only does intrastate moves, it may not appear on the FMCSA website but it almost certainly will be regulated at the state level. Either way, confirm that the mover is licensed and registered somewhere.

Check out MovingScam.com and the DOT website. They’ll have good info on identifying scams and helpful suggestions for working with movers. Also, check with your local Better Business Bureau. If complaints appear, move on.

Get an estimate. You need an estimate based on a walk-through. If the mover refuses to do so, or insists that you sign a contract (or make a deposit) before doing so, find someone else.

Why does this matter? Lots of reasons, but here’s an important one: interstate movers cannot require you to pay more than 110 percent of the price given in a non-binding estimate in order to get your property from them. This is called the 110 Percent Rule, and it prevents movers from holding your property for ransom. (Most states have a similar rule for intrastate movers). Expenses you incur over 110 percent of the non-binding estimate usually must be paid within 30 days. Note that there’s an exception from the federal 110 Percent Rule for services incurred after the estimate is signed.

Pay attention to insurance. Check first that your mover is insured. Don’t work with one that isn’t. Second, federal law requires interstate movers to offer liability coverage for damage to your property. The baseline coverage is 60 cents per pound per item regardless of the value of the item. The mover has to offer this at no cost. Movers will also usually offer additional coverage for a fee; this should protect you better, but make sure you understand its terms. Think before declining additional coverage – 60 cents per pound may not be enough to make you whole if something unexpected happens.

Also, some apartment buildings will require a certificate of insurance from your mover to cover damage to the building during the move. If you use a mover that can’t or won’t give that certificate, you’ll need to deposit security with the building.

Ask questions up front. What is the hourly rate? Is it per-person or for the whole team? If it’s per-person, how many people will be present? What other costs (e.g., fuel, waiting time, packing materials) will you incur, and at what rates? Make sure you know and get multiple quotes.

Consider whether you want to pack yourself or have the movers pack you up. If you can afford it you should have the movers pack; they’ll do a much better and faster job of it than you will.

Look at the paperwork. In particular, look at the bill of lading, which details everything being moved, the origin and destination and the costs. It’s your receipt for the transaction – review it closely (including the fine print) and make sure it’s correct. And keep your copy on file!

Movers are required to provide you a copy of a pamphlet titled “Your Rights and Responsibilities When You Move”. Make sure you get it and read it.

Supervise. Make sure you or someone you trust is there to watch the whole process.

Storage. If you can’t move directly from your old place to your new place, or if some of your stuff won’t fit into your new place, you’ll need somewhere to put it during the transition. Many movers will offer to store your stuff temporarily. Check how much the space will cost, as well as the costs for moving into and out of the storage space. Also confirm that your property is insured while in storage, and check whether there have been any bedbug or vermin reports for that storage space.

When you’re moving out of storage into your new place, check the bill of lading for the move into your new place against the bill of lading for the move out of your old place. Make sure all your things arrive!

Gratuity. It’s nice to tip for good service, but you’re not obligated to do so. Kindnesses like cold drinks on a hot day will go a long way. That said, don’t offer alcoholic beverages. It’s illegal and many moving companies will fire employees for having alcoholic beverages in the moving truck or van.

What to do if you have a problem. Don’t panic. Try to work it out with your movers first. If you can’t, MoveRescue (800-832-1773) is a good place to start.

Published with permission from RISMedia.


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Don't Be Bored with Your Deck

May 16, 2014 4:12 pm

With the Memorial Day holiday less than two weeks away, you may have realized your backyard deck is a wreck. But even if you have no deck at all, it may be time to start dreaming of something bigger and better.

Want to spruce up your outdoor living space? Plow & Hearth offers the following tips to up the style, function and comfort factor of your outdoors:

• When selecting furniture for outdoor use, be sure to pay attention to the materials from which it was made. Woods like teak, cedar, eucalyptus and cypress are durable, long-lasting and require little maintenance. While wicker can be made of natural materials like rattan and bamboo, it is often crafted of resin—a durable, low-maintenance, easy-to-clean material.
Wicker is often lightweight, which makes it easy to move around to create new seating looks whenever you wish.

• The addition of deck planters can really make a deck come alive (literally!) Self-watering planters are an ideal choice, because their reservoir system ensures plants get the water they need to grow.

• It's important to find the right style of furniture for an outdoor space. Adirondack chairs remain a favorite outdoor option. Rockers and gliders offer a traditional, comfortable way to enjoy a leisurely afternoon on your deck.

• Adding a trellis is an effective and affordable means to add vertical interest to an otherwise boring wall on the deck. Trellises can be almost any size.

• Looking for the perfect lighting so the deck can be enjoyed late into the evening? Solar lighting is an eco-friendly, energy-saving option, plus it requires no wiring or cords, which means installation is quick and easy. (And adequate lighting even makes the deck safer for use at night.)

Source: Thompson’s WaterSeal

Published with permission from RISMedia.


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Exercise Safety this Spring

May 16, 2014 4:12 pm

Spring is the ideal time to take on outdoor home improvement projects, however, only a few among us are truly qualified to take on the risks that are inherent in many landscaping or renovation projects – particularly when they involve electrical systems.

No matter what's on your agenda, electrical safety behaviors and an awareness of your surroundings should be part of your planning. 4 Over Electric offers valuable safety reminders to owners or managers of residential and commercial structures alike, a few of which are listed below:

• Keep Electrical Cords Away from Water – When working outside this spring, remember to always keep electrical cords and equipment away from water or other wet areas.

• Inspect Cords on Power Tools and Electric Lawn Mowers – Many people will have neglected tools like power tools and lawn mowers over the winter months, only to bring them out for outdoor projects in the spring. In the preceding months, cords can become frayed for any number of reasons, leading to dangerous situations. Never use equipment that has frayed or broken plugs or cords until they have been properly repaired.

• Watch for Power Lines that are Hidden by Foliage – In highly populated areas, space is a luxury that is truly appreciated, making tree and shrub trimming a constant necessity. However, if a tree grows into power lines, the combination can be very dangerous. For these issues, it's often better to contact an electrical or landscaping professional.

These safety measures are important, but they are still only a small fraction of the potential risks that can occur when working with electricity. In most cases, it's best to contact a professional for interior and exterior electrical contracting alike.

Source: 4 Over Electric

Published with permission from RISMedia.


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How To Prep Your Car for Summer Driving

May 14, 2014 4:06 pm

(BPT) - It is summer and you can't wait to get out on the road to head to the cabin, on vacation or just a nice carefree ride with the windows down. But while you may be ready to go, is your car? These quick vehicle inspection tips will help you make sure your vehicle is ready for the open road.

Is it cool in here?

Make sure your vehicle is ready to beat the heat by inspecting the air-conditioning (AC) and engine cooling systems. This means removing dirt and debris from the fins of the AC condenser and radiator.

While you're near the radiator, check the coolant level. Look in the owner's manual for the right anti-freeze. A newer car might require a completely different anti-freeze then what was used by that car's brand a few years ago. "Mixing incompatible anti-freezes can instantly gum up the cooling system," says Tom Taylor, engineer and vice president of auto parts retailer RockAuto.com.

Also check the cabin air filter that freshens the air flowing into the interior. This filter typically needs to be replaced annually, but it can clog up much faster if the car is driven on dirt roads or parked under trees. "Owners are so relieved when they discover their AC problems are solved by simply popping a new cabin air filter in place behind the glove box," says Taylor.

Kick the tires

Wherever you plan to go this summer, your tires will take you there; make sure they're in great shape.

Start by checking the tire pressure. Most tires have a maximum tire pressure printed on the side of the tire, but you want to inflate the tires only to the cold tire pressure printed on the decal inside the driver's door jam. "With today's low-profile tires, the difference between the maximum and cold pressures might be 20 PSI or more. Inflate a cold tire to the maximum pressure printed on the tire and it will be seriously over inflated once it hits the hot pavement," says Taylor.

Keep up that strict oil change schedule

If you want your engine to stay cool and last, it's essential that you change the oil at the appropriate times and with the proper oil. With older cars, owners might have used lighter weight oil in the winter and heavier oil in the summer. Today's engines often require the same weight oil year round. "Modern engines use oil as a hydraulic fluid for operating valves and doing other new things. Pour 10W-30 into a new engine that requires 0W-20 and there will likely be problems," says Taylor. Use the weight of oil recommended in the owner's manual and don't forget to change the oil filter too.

Take care of your vehicle and follow these tips and you can be sure it will be there with you for every new mile marker and memory this summer and beyond.

Published with permission from RISMedia.


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What to Do if Contacted By a Debt Collector

May 14, 2014 4:06 pm

U.S. consumers should know that they have important rights if contacted by a debt collector about a delinquent or defaulted account.

"Millions of consumers per year may find themselves behind on payments and are contacted by a creditor or debt collector," ACA International CEO Pat Morris said. "While no one ever wants to get a call or letter telling them they owe money, consumers need to know they are protected by very important federal and state laws."

America's economy relies on the repayment of consumer credit such as loans, credit cards, and bills for services rendered to keep costs down and ensure the availability of affordable credit. Federal, state, and local governments in the public sector also rely on the repayment of billions of taxpayer owed dollars in delinquencies including student loans, uncollected court fees, unpaid taxes, library fines, and traffic tickets. The following are helpful tips for U.S. consumers who may be contacted about a rightfully owed debt:

Know Your Rights. As the old adage goes, knowledge is power. Debt collection professionals have created a valuable resource called www.askdoctordebt.org to provide consumers with important information about their rights if contacted about a delinquent or defaulted debt.

Communicate. Ignoring a creditor or debt collector does not make the debt go away. In fact, it can make the situation worse. Communication is an important ally in taking control and working to resolve the reason for being contacted. It's a critical step in finding a consumer-friendly solution. If not the right person, it's important to correct this information. Similarly, communication provides an opportunity to resolve concerns or complaints.

Identification is Important. By law, a debt collector may not give out information about the existence of a debt to anyone other than the consumer or their attorney so they must confirm a consumer's identify before discussing specifics about an account. When debt collectors contact consumers they identify themselves by their company name so it can be confusing in that the consumer may have never heard of the business. Once a consumer has been properly identified, the collector can then reveal details about the debt.

Consumers have a Right to Dispute the Validity of the Debt. Third-party debt collectors work on behalf of their creditor clients to recover rightfully owed consumer obligations. By law, the collector must inform consumers of their right to dispute the debt and provide written verification if you dispute it in writing. Typically, collection activity stops until this verification is provided.

Active Military have Special Privileges. The Servicemembers Civil Relief Act (SCRA) allows active military and, in a few cases, non-service members, to suspend or postpone certain civil obligations. A lender, creditor or insurer is prohibited by law from taking any adverse actions against military personnel because they exercised their rights under SCRA, which can only be exercised while engaged in active duty; including full-time training; annual training duty; and attendance at a service school while in active military service.

Protect Personal and Financial Information. Monitor accounts and immediately report any suspicious or unauthorized purchases to the bank or credit card provider. Consumers should monitor their credit report and report identity theft by contacting the local police department and visiting www.ftc.gov/idtheft.

Source: ACA International

Published with permission from RISMedia.


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