In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

After the Target Data Theft: What all consumers need to know now

By Lisa Gerstner

Angel Boligan, El Universal, Mexico City,

Scammers may have your credit-card and debit-card numbers, along with other personal information. Here's how to protect your accounts

As millions of holiday shoppers used their credit and debit cards on Black Friday and in the weeks following, malware installed on payment terminals at Target stores was busy collecting their personal information. Names, card numbers (including security codes), expiration dates and encrypted PIN data were compromised for about 40 million card accounts.

Separately--though it was part of the same breach--names, phone numbers, and e-mail and mailing addresses for as many as 70 million customers were also stolen. (Neiman Marcus reports that it suffered a hack over the holiday season, too, possibly resulting in unauthorized charges on some of its customers' cards.)

Here are answers to questions you may have about the Target data theft, as well as other data breaches.

Will I be responsible for unauthorized charges?Target is promising customers that they will not be responsible for any unauthorized purchases on their cards. Plus, anytime a thief uses your credit or debit card, you likely won't be responsible for the damage as long as you take action quickly.

Legally, victims of credit card fraud are responsible for up to $50, but American Express, Discover, MasterCard and Visa all have zero-liability policies. With debit cards, your liability could be unlimited, depending on how long it takes you to report an unauthorized purchase. But banks usually refund fraudulent debit card purchases as long as you notify them shortly after you notice a problem (you'll have to wait for the bank to replenish your account).

Should I ask for a new card?Asking your bank or credit card issuer to send you a new card with a new number is the best way to nip potential theft in the bud. (Your bank may already be on top of it. Chase, for example, is reissuing about two million cards to affected customers.) And it's especially a good idea if you suspect that your debit card data has been stolen, given that a debit card provides direct access to your bank account--and that its legal protections are less robust than those of a credit card.

As soon as you get your new card, notify any services--say, your electric utility or cable company--that charge automatic bill payments to the card so that you aren't hit with fees for missed payments. If you do incur any fees, explain the situation to the company and ask to have them waived. Bill collectors may be more generous than usual in the wake of the breach.


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What if I don't get a new card?If you decide to hang on to your card, keep close tabs on your bank or credit card account. For the first couple of months, log in daily to check for suspicious activity, suggests Beverly Harzog, a credit card expert and author of Confessions of a Credit Junkie. After that, try to check in about once a week. (A weekly check-in is a good habit to maintain for all of your bank and credit accounts, regardless of whether you think they've been compromised.)

Could I be scammed in other ways?Target's discovery that it also gave up customer names, e-mail and mailing addresses, and phone numbers presents another worry: phishing scams. Target says that it is aware of fake messages being sent to customers that appear to be from the company, and it has listed the text of all of its official communications on an informational page so that customers can verify that they're receiving authentic messages.

Fraudsters could also piece together, say, your credit card number, name and e-mail address to create a convincing e-mail that appears to be from your financial institution, says Jody Farmer, vice-president of strategic marketing at CreditCards.com. Or scammers posing as agents from a business or government agency may e-mail you, call you or send text messages. If you're not sure that a message is legitimate, don't click on any links that it contains or give away personal information that it requests. Look up the institution's phone number and call to verify that it contacted you.

Should I worry about my identity being stolen?So far, the breach doesn't appear to have involved key information, such as Social Security numbers, that thieves would likely need to open new credit accounts in your name, says Farmer. But it wouldn't hurt to sign up for the free credit monitoring that Target is offering to all customers through its Web site. For a year, you'll receive updates on any changes in your credit file through Experian's ProtectMyID identity-theft protection service. The service includes a free copy of your Experian credit report as well as daily monitoring for any changes in it, such as new account inquiries or delinquencies.

If fraud pops up, an agent will help you through the next steps. ProtectMyID doesn't ask for payment information when you sign up for credit monitoring through Target, so you don't need to worry about your membership being automatically renewed--and your card charged--after a year passes. You can also check your credit reports from the three major bureaus--Equifax, Experian and TransUnion--free once a year at www.annualcreditreport.com.

I'm still nervous about ID theft. What else can I do?

You could place a freeze on your credit reports as a preventive measure, says Adam Levin, chairman and cofounder of Identity Theft 911. Lenders won't be able to offer new credit in your name without your permission. You'll have to request the freeze separately with each of the three credit agencies, and you may pay fees of up to about $10 each to freeze and thaw your files depending on your state and whether you've recently been a victim of identity theft.

Keep in mind that a credit freeze could cause delays if you expect to shop for new credit--say, a credit card or a mortgage. A less-drastic action is to place a fraud alert on your reports, which is free and requires lenders to take extra precautions to verify your identity before granting new credit. The alert lasts 90 days, and you'll get a free copy of your credit report from each of the bureaus. If you set up an alert with one bureau, it will notify the other two.

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Lisa Gerstner is Associate editor at Kiplinger's Personal Finance.

All contents copyright 2013 Kiplinger's Personal Finance . Distributed by Tribune Media Services. All rights reserved.