10 Commandments for Consumers

7. Thou shall shred all documents: There are lots of ways for people to access your financial information, especially when you leave it on the street in your trash. Not shredding your bills and statements makes it easy for thieves to get the information they want. If you don't have a shredder, buy one.

8. Thou shall protect your computer: If you keep financial information on your computer or use it to make transactions, protect yourself with firewall and antivirus software. Consider adding spyware and adware, which prevents outsiders from accessing your computer without your knowledge.

9. Thou shall question advertising: When you see "sale" signs in a store, remind yourself that these words are used liberally and the offers might not be bargains. To find out if you're getting a deal, look at the product's regular price and find out what similar items cost elsewhere. Advertising almost always makes prices seem better than they are.

10. Thou shall request a copy of the Consumer Action Handbook: The Federal Trade Commission provides this book for free. It offers information about managing your credit and filing complaints, and tips to help you prevent identity theft.