Identity theft is the fastest growing crime in the United States. It affects over 9 million people each year, costing victims both time and money to try to clean up the mess. As a result, a number of insurance companies have begun offering identity theft insurance, designed to offer financial compensation to victims to help reimburse them for any money they have lost out-of-pocket. Some also provide compensation for lost wages as a result of having to deal with this crime, including having to review credit reports and talk to creditors. You can also be reimbursed for phone bills, notary and certified mailing costs, fees for reapplying for loans that were declined due to bad credit information, and even attorney fees in some cases.

While you can buy identity theft insurance as a stand alone product, some insurance companies now offer it as an endorsement to your homeowners' or renters' insurance policy. Some companies have gone further, and will include it as part of your comprehensive homeowners insurance policy. In general, these policies cost around $50 for each $15,000 to $25,000 worth of coverage annually.

Is identity theft insurance worth it? When deciding if this coverage is right for you, it is important to remember that victims of this type of crime are not responsible for the debts incurred by the identity thief. You are however, left with having to clean up the mess, restoring your credit, and dealing with countless phone calls and paperwork. This type of insurance may be worth it for you if you are self-employed or have difficulty getting time off from work.

But you should remember that having this type of insurance does not mean that your credit is protected. An identity thief can still do damage to your credit. The insurance simply means that you have a safety net in case your case is so large that it eats into your available time, forcing you to use vacation or other time off. Identity theft insurance cannot fix or repair your credit, cannot raise your credit score, and cannot clean up a criminal record resulting from fraudulent use of your name and identity.

Take care, also, to ask your insurance provider about limits on the amount of lost wage reimbursement available, as well as whether there are any deductibles. Most policies only pay about $500 per week in reimbursements and do have a deductible associated with each claim, up to $1000 in some cases. There may also be a cap on the total amount of lost wages that will be paid.

Educating yourself on the methods identity thieves use and how to protect your information is your best defense against identity theft. If you feel that you would be unable to absorb the estimated cost of about $1,000 to clean up your credit and good name and do not have the available time, then this type of insurance may be a good buy for you. Otherwise, you may be better off doing the work yourself and saving the annual premium.

Now we go back to our online singing addiction ----  I can only say that signing up for anything online certainly opens up the possibility of identity theft because we trust that when we register anywhere online that all information would be kept secure. As this article already mentioned, we cannot be guaranteed that, so we have to be doubly careful.

Be careful when you get mail from what you thought was kSolo or SingSnap, etc. These could be what I call online pirates that use these words to make you trust them because you think you are communicating with these two trusted online karaoke...or any online community for that matter.

I have recently received a few emails with kSolo as the return address but i quickly check the URL they are sending me and it isn't kSolo. For the uninformed, do not click any of those links sent to you from supposedly a company you had signed up for, unless you see their business name in the domain name, for example....

www.ksolo.com or www.singsnap.com and the tags that follow those domain names.

If the link you get is for example:

singsnap.w94iht@jumar.com

then that is not singsnap, that is jumar.com, using the singsnap name to fool you. It can be any company just make sure that it is the company name in the domain and nothing else. Report that fake or spoof email to the businesses concerned immediately.

There have been many emails sent out to newbies on the internet that address them by their nicknames or their first names and even mention personal stuff that makes the reader trust the sender. Be wary of those. If you are not sure, ask for their telephone number and call them, speak to them and find out. Ask them questions only your realy company would know about you.

Most important of all, NEVER NEVER NEVER give out any information about yourself unless you know you are talking to the right people. Don't give out Social Security numbers, don't give out your personaly contact information, etc.

Dangerous emails are the ones that disguise themselves as Banks, or even eBay or PayPal, and the message reads that your account was closed or you owe them money. YOu are then stressed about it, you click on the link and the link looks official, STOP right there. Contact your bank or the business concerned by phone and make sure they are the ones sending you the email or letter in the mail before you reply.

I am sorry that we have to be a little paranoid nowdays but it is better to be safe than sorry.

Lots of love,

Poppy

 

"It ain't good." YOU the one who "ain't good" and THAT'S why you CHEAT:::If I had my mind god would be dying.
Figuratively.

YOU MAY UNKNOWINGLY BE IN A FIGHT FOR YOUR LIFE AND YOUR CORRUPTION IS PREVENTING YOU FROM REALIZING IT!!!! IF YOU FAIL TO UNCORRUPT YOURSELF AND START IN THE RIGHT DIRECTION YOU MAY NOT GET THAT SECOND CHANCE VIA REINCARNATION!!!
If you knew the truth you would have great urgency.
This tactic of "fairness", savoir and Christian god-based hope is fucking you up.
Life is a test. Only those worthy will ascend. Contradictions have been manufactured (1906), suggesting temptation, corrupting people and compelling them to think wrong.
The other planets are exclusive places. They don't bring most people. You have to earn it. Nobody is going to save you. Nobody is going to do it for you. You have to save yourself.
YOU MAY BE IN A FIGHT FOR YOUR LIFE AND YOU DON'T REALIZE IT!!!! IF YOU FAIL TO UNCORRUPT YOURSELF AND START IN THE RIGHT DIRECTION YOU MAY NOT GET THAT SECOND CHANCE VIA REINCARNATION.
If you knew the truth you would have great urgency.
You have to earn it.
finalprophet.freehostyou.com/finalprophet.htm