Read all of the instructions. Read the fine print. Read before you sign.
You're welcome. These tips will change your life, and possibly mine, if people would proactively follow them. How will it change my life? It's less likely that I will be blamed --- "you didn't tell me that." Maybe I did and maybe I did not, we both know I can't prove it; however, it was clearly written on the form you signed. Burn!
Oh yes, and also, you should read books. That is all.