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Updated: 12/30/2013 08:00:01AM

Happy New Year: Keep your guard up

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L ooking back on my seventh year writing this consumer advocate column, I can confidently predict a happier 2014 if you promise to keep your guard up and make these resolutions:

• Immediately trash all mailings involving a contest, sweepstakes or lottery that request a payment, regardless of the amount. Seniors are the primary target of these misleading and confusing notifications. Many are just subscriptions to sweepstakes newsletters. Remember, you can’t win anything you didn’t enter.

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