8_MC Smart_JJ Strategies_NN2 to_TO Make_VV0 Your_APPGE Home_NN1 Dust-Proof_JJ Strategies_NN2 that_CST vastly_RR reduce_VV0 the_AT never-ending_JJ dusting_JJ chore_NN1 ._. 
The_AT solution_NN1 to_II most_DAT household_NN1 problems_NN2 is_VBZ to_TO attack_VVI the_AT source_NN1 ._. 
But_CCB you_PPY ca_VM n't_XX eliminate_VVI the_AT sources_NN2 of_IO household_NN1 dust_NN1 ._. 
You_PPY ca_VM n't_XX even_RR do_VDI much_DA1 to_TO reduce_VVI them_PPHO2 ,_, because_CS more_DAR than_CSN 90_MC percent_NNU of_IO household_NN1 dust_NN1 comes_VVZ from_II people_NN and_CC fabric_NN1 ._. 
Our_APPGE bodies_NN2 constantly_RR shed_VV0 tiny_JJ flakes_NN2 of_IO skin_NN1 ._. 
Our_APPGE clothes_NN2 ,_, bedding_NN1 and_CC furnishings_NN2 constantly_RR shed_VVN barely_RR visible_JJ fibers_NN2 ._. 
These_DD2 flakes_NN2 and_CC fibers_NN2 float_VV0 on_II the_AT slightest_JJT air_NN1 currents_NN2 and_CC settle_VV0 on_II every_AT1 surface_NN1 in_II your_APPGE house_NN1 ._. 
In_II a_AT1 spot_NN1 sheltered_VVN from_II air_NN1 movement_NN1 ,_, the_AT particles_NN2 stay_VV0 put_VV0 ._. 
In_II other_JJ areas_NN2 ,_, they_PPHS2 constantly_RR rise_VV0 and_CC settle_VV0 as_CSA doors_NN2 swing_VV0 open_JJ and_CC people_NN pass_VV0 by_RP ._. 
Even_CS21 if_CS22 fighting_VVG dust_NN1 is_VBZ a_AT1 battle_NN1 you_PPY can_VM never_RR completely_RR win_VVI ,_, you_PPY can_VM save_VVI a_AT1 lot_NN1 of_IO time_NNT1 and_CC energy_NN1 with_IW these_DD2 dust-busting_JJ strategies._NNU 1_MC1 ._. 
Keep_VV0 closet_NN1 floors_NN2 clear_JJ for_IF easy_JJ cleaning_NN1 ._. 
Closets_NN2 are_VBR dust_NN1 reservoirs_NN2 ,_, full_JJ of_IO tiny_JJ fibers_NN2 from_II clothes_NN2 ,_, towels_NN2 and_CC bedding_NN1 ._. 
Every_AT1 time_NNT1 you_PPY open_VV0 the_AT door_NN1 ,_, you_PPY whip_VV0 up_RP an_AT1 invisible_JJ dust_NN1 storm_NN1 ._. 
You_PPY ca_VM n't_XX prevent_VVI clothes_NN2 from_II shedding_VVG fibers_NN2 ,_, but_CCB you_PPY can_VM make_VVI closets_NN2 easier_RRR to_TO keep_VVI clean_JJ and_CC vastly_RR cut_VVN down_RP on_II dust_NN1 ._. 
Box_NN1 or_CC bag_NN1 items_NN2 on_II shelves_NN2 ._. 
Clear_JJ plastic_NN1 containers_NN2 are_VBR best_JJT --_NN1 they_PPHS2 lock_VV0 fibers_NN2 in_II and_CC dust_VV0 out_RP and_CC let_VV0 you_PPY see_VVI what_DDQ 's_VBZ inside_RL ._. 
When_CS you_PPY dust_VV0 ,_, they_PPHS2 're_VBR easy_JJ to_TO pull_VVI off_RP the_AT shelves_NN2 and_CC wipe_VV0 clean_JJ ._. 
Enclose_VV0 the_AT clothes_NN2 you_PPY rarely_RR wear_VV0 ._. 
Those_DD2 coats_NN2 you_PPY wear_VV0 only_RR in_II winter_NNT1 shed_NN1 fibers_NN2 year-round_JJ ._. 
Slip_VV0 garment_NN1 bags_NN2 or_CC large_JJ garbage_NN1 bags_NN2 over_II them_PPHO2 ._. 
They_PPHS2 help_VV0 to_TO contain_VVI fibers_NN2 and_CC keep_VVI the_AT clothes_NN2 themselves_PPX2 from_II becoming_VVG coated_VVN with_IW dust_NN1 ._. 
Keep_VV0 closet_NN1 floors_NN2 clear_JJ ._. 
If_CS the_AT floor_NN1 is_VBZ cluttered_VVN ,_, chances_NN2 are_VBR you_PPY 'll_VM just_RR bypass_VVI it_PPH1 while_CS vacuuming_VVG ._. 
But_CCB a_AT1 wide-open_JJ floor_NN1 adds_VVZ only_RR a_AT1 few_DA2 seconds_NNT2 to_II the_AT vacuuming_JJ chore_NN1 ._. 
And_CC a_AT1 wire_NN1 shelf_NN1 lets_VVZ you_PPY clear_VVI all_DB those_DD2 shoes_NN2 off_II the_AT floor_NN1 without_IW losing_VVG storage_NN1 space._NNU 2_MC ._. 
Upgrade_VV0 your_APPGE furnace_NN1 filter_NN1 ._. 
If_CS your_APPGE home_NN1 has_VHZ a_AT1 forced-air_JJ heating_NN1 or_CC cooling_NN1 system_NN1 ,_, it_PPH1 can_VM help_VVI control_NN1 dust_NN1 by_II filtering_VVG the_AT air_NN1 ._. 
Most_DAT visible_JJ dust_NN1 settles_VVZ on_II floors_NN2 and_CC furniture_NN1 before_CS it_PPH1 can_VM enter_VVI the_AT heating/cooling_NN1 system_NN1 ,_, so_CS no_AT filter_NN1 will_VM eliminate_VVI dusting_VVG chores_NN2 ._. 
Still_RR ,_, a_AT1 filter_NN1 upgrade_NN1 can_VM make_VVI a_AT1 noticeable_JJ improvement_NN1 ._. 
The_AT most_RGT effective_JJ system_NN1 is_VBZ an_AT1 electrostatic_JJ filter_NN1 connected_VVN to_II your_APPGE ductwork_NN1 (_( $700_NNU to_II $1,500_NNU ,_, professionally_RR installed_VVN )_) ._. 
An_AT1 electrostatic_JJ filter_NN1 may_VM be_VBI worth_II the_AT expense_NN1 if_CS you_PPY have_VH0 allergies_NN2 ._. 
But_CCB if_CS you_PPY just_RR want_VV0 to_TO reduce_VVI dust_NN1 buildup_NN1 ,_, it_PPH1 's_VBZ smarter_JJR to_TO spend_VVI $40_NNU to_II $100_NNU per_II year_NNT1 on_II high-quality_JJ disposable_JJ filters_NN2 ._. 
A_AT1 standard_JJ fiberglass_NN1 filter_NN1 traps_NN2 only_RR the_AT largest_JJT dust_NN1 particles_NN2 ._. 
It_PPH1 's_VBZ effective_JJ enough_RR to_TO protect_VVI your_APPGE furnace_NN1 but_CCB does_VDZ almost_RR nothing_PN1 to_TO reduce_VVI household_NN1 dust_NN1 ._. 
Better_JJR filters_NN2 are_VBR made_VVN from_II pleated_JJ fabric_NN1 or_CC paper_NN1 ._. 
Most_DAT pleated_JJ filters_NN2 also_RR carry_VV0 an_AT1 electrostatic_JJ charge_NN1 that_CST attracts_VVZ and_CC holds_VVZ dust_NN1 ._. 
A_AT1 pleated_JJ filter_NN1 can_VM capture_VVI virtually_RR all_DB the_AT visible_JJ dust_NN1 that_CST reaches_VVZ it_PPH1 ._. 
Manufacturers_NN2 usually_RR recommend_VV0 that_CST you_PPY change_VV0 these_DD2 filters_NN2 every_AT1 three_MC months_NNT2 ,_, but_CCB you_PPY should_VM check_VVI them_PPHO2 monthly_JJ ,_, especially_RR if_CS you_PPY have_VH0 cats_NN2 or_CC dogs_NN2 ,_, and_CC replace_VV0 them_PPHO2 if_CS they_PPHS2 're_VBR dirty_JJ ._. 
Dirty_JJ pleated_JJ filters_NN2 can_VM restrict_VVI airflow_NN1 and_CC damage_VVI your_APPGE furnace._NNU 3_MC ._. 
Rotate_VV0 bedding_NN1 weekly_NN1 ._. 
Your_APPGE cozy_JJ bed_NN1 is_VBZ a_AT1 major_JJ dust_NN1 distributor_NN1 ._. 
The_AT bedding_NN1 collects_VVZ skin_NN1 flakes_NN2 ,_, sheds_VVZ its_APPGE own_DA fibers_NN2 and_CC sends_VVZ out_RP a_AT1 puff_NN1 of_IO dust_NN1 every_AT1 time_NNT1 you_PPY roll_VV0 over_RP ._. 
To_TO minimize_VVI the_AT fallout_NN1 ,_, wash_VV0 sheets_NN2 and_CC pillowcases_NN2 weekly_JJ ._. 
Items_NN2 that_CST are_VBR n't_XX machine_VV0 washable_JJ do_VD0 n't_XX need_VVI weekly_JJ trips_NN2 to_II the_AT dry_JJ cleaners_NN2 --_NN1 just_RR take_VV0 blankets_NN2 and_CC bedspreads_VVZ outside_RL and_CC shake_VV0 them_PPHO2 ._. 
You_PPY can_VM spank_VVI some_DD of_IO the_AT dust_NN1 out_II21 of_II22 pillows_NN2 ,_, but_II21 for_II22 a_AT1 thorough_JJ cleaning_NN1 ,_, wash_NN1 or_CC dry-clean_JJ them_PPHO2 ._. 
When_CS you_PPY change_VV0 bedding_NN1 ,_, do_VD0 n't_XX whip_VVI up_RP a_AT1 dust_NN1 storm_NN1 ._. 
Gently_RR roll_VV0 up_RP the_AT old_JJ sheets_NN2 and_CC spread_VV0 out_RP the_AT new_JJ ones_NN2 ;_; even_RR clean_JJ bedding_NN1 sheds_NN2 fibers._NNU 4_MC ._. 
Capture_VV0 dust_NN1 --_NN1 do_VD0 n't_XX just_RR spread_VVI it_PPH1 around_RP ._. 
Feather_NN1 dusters_NN2 and_CC dry_JJ rags_NN2 pick_VV0 up_RP some_DD of_IO the_AT dust_NN1 they_PPHS2 disturb_VV0 ,_, but_CCB most_DAT of_IO it_PPH1 just_RR settles_VVZ elsewhere_RL ._. 
Damp_JJ rags_NN2 or_CC disposable_JJ cloths_NN2 that_CST attract_VV0 and_CC hold_VV0 dust_NN1 with_IW an_AT1 electrostatic_JJ charge_NN1 (_( like_II Swiffer_NP1 or_CC Grab-it_PPH1 )_) work_VV0 much_RR better_RRR ._. 
Cloths_NN2 that_CST attract_VV0 dust_NN1 with_IW oils_NN2 or_CC waxes_VVZ also_RR work_VV0 well_RR but_CCB can_VM leave_VVI residue_NN1 on_II furniture_NN1 ._. 
Use_VV0 vacuum_NN1 attachments_NN2 only_RR on_II surfaces_NN2 that_CST are_VBR hard_JJ to_TO dust_VVI with_IW a_AT1 cloth_NN1 ,_, such_II21 as_II22 rough_JJ surfaces_NN2 and_CC intricate_JJ woodwork_NN1 ,_, because_CS the_AT exhaust_NN1 stream_NN1 from_II a_AT1 vacuum_NN1 whips_VVZ up_RP a_AT1 dust_NN1 storm._NNU 5_MC ._. 
Beat_VV0 and_CC shake_VV0 area_NN1 rugs_NN2 ._. 
In_II most_DAT homes_NN2 ,_, carpet_NN1 is_VBZ by_RR21 far_RR22 the_AT biggest_JJT dust_NN1 reservoir_NN1 ._. 
It_PPH1 's_VBZ a_AT1 huge_JJ source_NN1 of_IO fibers_NN2 and_CC absorbs_VVZ dust_NN1 like_II a_AT1 giant_JJ sponge_NN1 ._. 
Even_RR the_AT padding_NN1 underneath_RL holds_VVZ dust_NN1 ,_, which_DDQ goes_VVZ airborne_JJ with_IW each_DD1 footstep_NN1 ._. 
Some_DD serious_JJ allergy_NN1 sufferers_NN2 find_VV0 that_CST the_AT only_JJ solution_NN1 is_VBZ to_TO tear_VVI out_RP wall-to-wall_JJ carpet_NN1 and_CC install_VVI hard_JJ flooring_NN1 like_II wood_NN1 or_CC tile_NN1 ._. 
Those_DD2 of_IO us_PPIO2 who_PNQS do_VD0 n't_XX want_VVI to_TO take_VVI that_DD1 drastic_JJ step_NN1 have_VH0 to_TO vacuum_VVI regularly_RR ._. 
Vacuum_NN1 pathways_NN2 and_CC busy_JJ areas_NN2 at_RR21 least_RR22 once_RR a_AT1 week_NNT1 ._. 
The_AT dust_NN1 that_CST gathers_VVZ under_II chairs_NN2 or_CC behind_II the_AT sofa_NN1 is_VBZ less_RGR important_JJ ._. 
It_PPH1 stays_VVZ put_VVN unless_CS it_PPH1 's_VBZ disturbed_VVN by_II a_AT1 toddler_NN1 ,_, a_AT1 pet_NN1 or_CC a_AT1 breeze_NN1 ._. 
Vacuum_VV0 large_JJ area_NN1 rugs_NN2 too_RR ._. 
But_CCB also_RR take_VV0 them_PPHO2 outside_II three_MC or_CC four_MC times_NNT2 a_AT1 year_NNT1 for_IF a_AT1 more_RGR thorough_JJ cleaning_NN1 ._. 
Drape_VV0 them_PPHO2 over_RP a_AT1 fence_NN1 or_CC clothesline_NN1 and_CC beat_VV0 them_PPHO2 with_IW a_AT1 broom_NN1 or_CC tennis_NN1 racket_NN1 ._. 
A_AT1 good_JJ beating_NN1 removes_VVZ much_DA1 more_DAR dust_NN1 than_CSN vacuuming_VVG ._. 
Take_VV0 smaller_JJR rugs_NN2 outside_RL for_IF a_AT1 vigorous_JJ shaking_VVG every_AT1 week._NNU 6_MC ._. 
Take_VV0 cushions_NN2 out_RP for_IF a_AT1 beating_NN1 ._. 
Upholstery_NN1 fabric_NN1 not_XX only_RR sheds_VVZ its_APPGE own_DA fibers_NN2 but_CCB also_RR absorbs_VVZ dust_NN1 that_CST settles_VVZ on_II it_PPH1 ._. 
You_PPY raise_VV0 puffs_NN2 of_IO dust_NN1 every_AT1 time_NNT1 you_PPY sit_VV0 down_RP ._. 
The_AT only_JJ way_NN1 to_TO eliminate_VVI upholstery_NN1 dust_NN1 is_VBZ to_TO buy_VVI leather-_JJ or_CC vinyl-covered_JJ furniture_NN1 ._. 
But_CCB there_EX are_VBR three_MC ways_NN2 to_TO reduce_VVI dust_NN1 on_II fabric_NN1 :_: Dust_NN1 settles_VVZ mostly_RR on_II horizontal_JJ surfaces_NN2 ;_; vacuum_VV0 them_PPHO2 weekly_JJ ._. 
Vacuum_VV0 vertical_JJ surfaces_NN2 monthly_JJ ._. 
Take_VV0 cushions_NN2 outside_RL and_CC beat_VV0 the_AT dust_NN1 out_II21 of_II22 them_PPHO2 ._. 
An_AT1 old_JJ tennis_NN1 racket_NN1 works_VVZ well_RR and_CC lets_VVZ you_PPY practice_NN1 your_APPGE backhand_JJ ._. 
A_AT1 thorough_JJ beating_NN1 removes_VVZ deeply_RR embedded_JJ dust_NN1 better_RRR than_CSN vacuuming_VVG ._. 
Slipcovers_NN2 for_IF chairs_NN2 and_CC sofas_NN2 are_VBR easy_JJ to_TO pull_VVI off_RP and_CC take_VVI outdoors_RL for_IF a_AT1 shaking_NN1 ._. 
Better_RRR yet_RR ,_, some_DD are_VBR machine_NN1 washable_JJ ._. 
Slipcovers_NN2 are_VBR readily_RR available_JJ at_II discount_NN1 and_CC home_NN1 furnishings_NN2 stores_NN2 and_CC online_JJ (_( surefit.net_NNU is_VBZ one_MC1 good_JJ source_NN1 )_) ._. 
Do_VD0 air_NN1 cleaners_NN2 reduce_VV0 dusting_VVG ?_? 
An_AT1 effective_JJ air_NN1 cleaner_NN1 removes_VVZ large_JJ and_CC small_JJ particles_NN2 from_II the_AT air_NN1 in_II a_AT1 single_JJ room_NN1 ._. 
Within_II that_DD1 space_NN1 ,_, it_PPH1 can_VM relieve_VVI allergy_NN1 or_CC asthma_NN1 symptoms_NN2 and_CC even_RR reduce_VVI smoke_NN1 and_CC cooking_VVG odors_NN2 ._. 
But_CCB do_VD0 n't_XX expect_VVI it_PPH1 to_TO relieve_VVI you_PPY of_IO dusting_VVG duty_NN1 ._. 
Air_NN1 cleaners_NN2 are_VBR sized_VVN to_TO filter_VVI a_AT1 small_JJ area_NN1 ,_, so_RG only_RR a_AT1 small_JJ portion_NN1 of_IO the_AT airborne_JJ dust_NN1 in_II your_APPGE home_NN1 will_VM ever_RR reach_VVI the_AT unit_NN1 ._. 
For_IF air_NN1 cleaners_NN2 to_TO have_VHI a_AT1 real_JJ effect_NN1 on_II overall_JJ dust_NN1 levels_NN2 ,_, you_PPY would_VM need_VVI one_MC1 unit_NN1 in_II every_AT1 room-at_II a_AT1 cost_NN1 of_IO $60_NNU to_II $500_NNU per_II room._NNU 7_MC ._. 
Clean_VV0 the_AT air_NN1 while_CS you_PPY clean_JJ house_NN1 ._. 
All_DB vacuums_NN2 whip_VV0 up_RP dust_NN1 with_IW their_APPGE "_" agitator_NN1 "_" (_( the_AT cylindrical_JJ brush_NN1 that_CST sweeps_VVZ the_AT carpet_NN1 )_) or_CC blowing_VVG exhaust_NN1 stream_NN1 ._. 
That_DD1 dust_NN1 eventually_RR settles_VVZ on_II the_AT surfaces_NN2 you_PPY 've_VH0 just_RR cleaned_VVN ._. 
But_CCB if_CS your_APPGE forced-air_JJ heating/cooling_NN1 system_NN1 is_VBZ equipped_VVN with_IW a_AT1 good_JJ filter_NN1 ,_, you_PPY can_VM filter_VVI out_RP some_DD of_IO that_DD1 dust_NN1 before_CS it_PPH1 settles_VVZ ._. 
Just_RR switch_VV0 your_APPGE thermostat_NN1 to_TO "_" fan_VVI on_RP ._. "_" 
This_DD1 turns_VVZ on_II the_AT blower_NN1 inside_II your_APPGE furnace_NN1 and_CC filters_VVZ the_AT air_NN1 even_RR while_CS the_AT system_NN1 is_VBZ n't_XX heating_VVG or_CC cooling_VVG ._. 
Leave_VV0 the_AT blower_NN1 on_RP for_IF about_RG 15_MC minutes_NNT2 after_CS you_PPY 're_VBR done_VDN cleaning_NN1 ._. 
But_CCB do_VD0 n't_XX forget_VVI to_TO switch_VVI back_RP to_II "_" auto_NN1 ._. "_" 
Most_DAT blowers_NN2 are_VBR n't_XX designed_VVN to_TO run_VVI constantly._NNU 8_MC ._. 
Match_VV0 the_AT vacuum_NN1 to_II the_AT flooring_NN1 ._. 
Suction_NN1 alone_RR is_VBZ n't_XX enough_RR to_TO pull_VVI much_DA1 dust_NN1 out_II21 of_II22 carpet_NN1 ._. 
For_IF good_JJ results_NN2 ,_, you_PPY need_VV0 a_AT1 vacuum_NN1 with_IW a_AT1 powerful_JJ agitator_NN1 ._. 
Upright_JJ vacuums_NN2 are_VBR usually_RR best_JJT for_IF carpet_NN1 ,_, although_CS some_DD canister_NN1 vacuums_NN2 with_IW agitators_NN2 work_VV0 well_RR ,_, too_RR ._. 
When_CS it_PPH1 comes_VVZ to_II wood_NN1 ,_, tile_NN1 or_CC vinyl_NN1 flooring_NN1 ,_, your_APPGE best_JJT choice_NN1 is_VBZ a_AT1 canister_NN1 vacuum_NN1 without_IW an_AT1 agitator_NN1 (_( or_CC with_IW an_AT1 agitator_NN1 that_CST can_VM be_VBI turned_VVN off_RP )_) ._. 
An_AT1 agitator_NN1 does_VDZ more_RRR harm_VVI than_CSN good_JJ on_II hard_JJ flooring_NN1 because_CS it_PPH1 blows_VVZ dust_NN1 into_II the_AT air_NN1 ._. 
Hold_VV0 off_RP on_II that_DD1 long-term-care_JJ insurance_NN1 ._. 
The_AT soaring_JJ cost_NN1 of_IO extended_JJ nursing_JJ care_NN1 has_VHZ prompted_VVN many_DA2 people_NN in_II their_APPGE 40s_MC2 and_CC 50s_MC2 to_TO sign_VVI up_RP for_IF long-term-care_JJ insurance_NN1 in_BCL21 order_BCL22 to_TO lock_VVI in_II a_AT1 rate_NN1 ._. 
It_PPH1 's_VBZ true_JJ that_CST the_AT premiums_NN2 go_VV0 up_RP as_CSA you_PPY get_VV0 older_JJR ,_, but_CCB not_XX by_II the_AT huge_JJ amount_NN1 you_PPY might_VM expect_VVI ._. 
According_II21 to_II22 data_NN collected_VVN by_II America_NP1 's_GE Health_NN1 Insurance_NN1 Plans_NN2 ,_, a_AT1 65-year-old_NN1 may_VM end_VVI up_RP paying_VVG just_RR $126_NNU more_RRR a_AT1 year_NNT1 than_CSN someone_PN1 who_PNQS bought_VVD a_AT1 policy_NN1 at_II age_NN1 55_MC ._. 
During_II those_DD2 ten_MC years_NNT2 ,_, that_DD1 person_NN1 would_VM spend_VVI close_RR to_II $19,000_NNU on_II coverage_NN1 ,_, even_CS21 though_CS22 he_PPHS1 or_CC she_PPHS1 probably_RR wo_VM n't_XX need_VVI it_PPH1 until_CS age_NN1 83_MC or_CC so_RR (_( if_CS at_RR21 all_RR22 )_) ._. 
Depending_II21 on_II22 your_APPGE health_NN1 ,_, the_AT best_JJT time_NNT1 to_TO buy_VVI is_VBZ between_II 60_MC and_CC 65_MC ._. 
Until_II then_RT ,_, make_VV0 retirement_NN1 savings_NN2 the_AT priority_NN1 ,_, not_XX long-term-care_JJ insurance_NN1 ._. 
Sign_VV0 up_RP for_IF disability_NN1 insurance_NN1 ._. 
It_PPH1 helps_VVZ protect_VVI your_APPGE income_NN1 in_II the_AT event_NN1 you_PPY become_VV0 unable_JK to_TO work_VVI for_IF a_AT1 long_JJ period_NN1 ._. 
Ideally_RR ,_, you_PPY should_VM have_VHI enough_DD to_TO replace_VVI 60_MC to_II 70_MC percent_NNU of_IO your_APPGE salary_NN1 ._. 
If_CS your_APPGE company_NN1 plan_NN1 does_VDZ n't_XX provide_VVI this_RG much_DA1 coverage_NN1 ,_, consider_VV0 buying_VVG more_RRR on_II your_APPGE own_DA ._. 
It_PPH1 can_VM be_VBI costly_JJ ,_, but_CCB it_PPH1 's_VBZ worth_II it_PPH1 if_CS you_PPY can_VM afford_VVI it_PPH1 ._. 
Visit_VV0 or_CC unum.com_NNU for_IF quotes_NN2 ._. 
Think_VV0 twice_RR about_II life_NN1 insurance_NN1 ._. 
If_CS you_PPY do_VD0 n't_XX have_VHI dependents_NN2 ,_, you_PPY may_VM not_XX need_VVI it_PPH1 ._. 
If_CS you_PPY do_VD0 have_VHI kids_NN2 or_CC other_JJ dependents_NN2 ,_, you_PPY 're_VBR probably_RR better_JJR off_RP with_IW term_NN1 life_NN1 insurance_NN1 until_CS ,_, say_VV0 ,_, your_APPGE children_NN2 are_VBR grown_VVN and_CC can_VM take_VVI care_NN1 of_IO themselves_PPX2 ._. 
