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Make Sure You Don't Have Too Much Insurance

Life insurance can be a bad deal if you don't have dependents. For auto and home insurance, deductibles are often too low, advisors say. "You can save quite a bit by going from a $250 to $1,000 deductible," says Kirk Kinder of Picket Fence Financial in Bel Air, Md. "Also, shopping these for prices every couple years is important."

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