Distracted Driving Leads to a Dead End
Distracted driving is a dangerous practice that takes a driver’s focus away from the roadway. It’s not only texting or talking on the phone but also internet surfing or taking a selfie. Researchers and state insurance regulators all point to distracted driving as the cause of more frequent, more costly accidents resulting in higher insurance premiums. Here are a few tips to help you make it to your destination safely.
- Put your phone away, food, other devices, or anything that may tempt you to take your hands off the wheel.
- Plan your route and set your map or navigation technology before you depart.
- Buckle up and obey the speed limit.
April is National Distracted Driving Awareness Month. Try to model good driving behavior that keeps Louisiana roadways safe.
_________________________________________________________________________
Outsmarting Hackers
Guarding against identity theft helps to protect your credit score. A credit freeze or security alert, restricts access to your credit report, stopping would-be hackers from gaining access to your personal information. Without a credit report, most creditors won’t approve or open a new account. A hacker cannot lift your credit freeze and open a new line of credit.
According to the Federal Trade Commission, a credit freeze locks down your credit. A fraud alert allows creditors to obtain a copy of your report, as long as they take steps to verify your identity. Fraud alerts can stop someone from opening a new account in your name but may not prevent them from misusing existing accounts.
There are three types of alerts:
Initial Fraud Alert. Protects your identity for 90 days from unverified access.
Extended Fraud Alert. Protects your credit identity for seven years, if you are a victim of identity theft.
Active Duty Military Alert. Protects deployed military for one year.
_________________________________________________________________________
Retirement Planning Tips
There is no better time to get your finances in order than during National Retirement Planning week April 8-12, 2019. There are steps you can take now to begin saving for your golden years.
- Track your spending and consider starting a retirement savings account.
- Do your research and carefully consider purchasing a life insurance policy.
- Consider the cost of health care and understand what services will be covered and what isn’t.
- Set financial goals and meet with a certified financial planner to help you invest your money and make sure you’re meeting your goals.
_______________________________________________________________________
Stay Connected with the LDI
Keep up with tips and news from the LDI, including newsletters, press releases and videos, by connecting with us through social media.