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Julia Kagan has written about personal finance for greater than 25 years and is.gd for Investopedia since 2014. The former editor of Consumer Reports, she is an skilled in credit and debt, retirement planning, Tinyurl.com residence possession, employment issues, and insurance. She is a graduate of Bryn Mawr College (A.B., history) and has an MFA in inventive nonfiction from Bennington College. The first insurance patent to be granted was together with one other instance of an utility posted was. This patent application describes a method for increasing the ease of adjusting insurance companies.