Bev O'Shea is a Georgia-based journalist and an authority on consumer credit and identity theft. Her work has appeared in The New York Times, MarketWatch, Next Avenue, NerdWallet and elsewhere. She has a cockapoo (Milo) and a calico kitty (Annie). A beginning knitter and a watercolor dilettante, Bev has a real problem paying for shipping. You can find more of her work at bevoshea.com.