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Eventually, we all have an accident or get hacked. And when we do, backups are often the only way to recover. Backups are cheap and easy; make sure you are backing up all of your personal information at home (such as family photos) on a regular basis.

Identity theft is when someone steals information about you and then uses that information to pretend to be you and commit crimes, such as credit card fraud. One of the key steps to protecting yourself is monitoring your financial, credit score and credit card accounts. The sooner you detect fraud in any of these accounts, the sooner you can minimize the damage.