NEW YORK (CNNMoney.com) -- I am planning on marrying for a second time. I want my children, not my new husband to inherit the money in my 401(k). How can I make sure this happens? - Linda, Baltimore

The good news is that it's very simple to change who's going to receive your 401(k) money. Just go to the brokerage or bank that manages your 401(k) and fill out a change of beneficiary form.

You can change beneficiaries as frequently as you'd like, according to Jon Radulovic of the National Hospice and Palliative Care Organization.

Since the major credit agencies house ALL of our vital information, what prevents their employees from releasing this data by mistake or not? I have a friend that will not freeze his credit because he does not want to bring attention to himself. Is that crazy? -- Ron

Nothing is 100% safe, says Joe Ridout of Consumer Action. The main threat to privacy is the credit unions' underlying business model...to distribute your data to other companies.

But getting a credit freeze is one of the most valuable tools a consumer has when it comes to protecting their data. We spoke to one credit agency about their internal security systems.

Experian says employees must have special permission to gain access to the database and those who do gain access have to go through routine audits of their work and the building is badge-controlled. Laptops are bolted to the desk

Can student loans be "pardoned' if the school they are attending goes bankrupt? If so, how do you go about doing it? -- Karen

If you're attending a school that goes bankrupt, you don't have to pay back your federal loans. You can get a closed school discharge for your federal loans.

To do this, you have to contact your lender to receive the form. Keep in mind that if you've already gotten your degree, you're still on the hook for your student loan payments, according to Mark Kantrowitz of Finaid. If you're transferring to another school, bad news: you'll have to reapply for financial aid. Government aid has to be recalculated at each school. Students should also contact the state Department of Education, as they may have a tuition recovery fund.

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