Posts Tagged ‘laptop’

Hackers Gonna Hack, Scammers Gonna Scam – Be Smart, Be Safe

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We admit it.  We love social media!  From Facebook, Twitter, Instagram, Pinterest (yes, we confess, even those food pics that make us hungry) e-mails, Skype, Face Time and so many new modes that are being created, we say “bring it on!”

Social Media Pic2Because during our busy days, when we can not be present with the people we love, these modes of communication are what link us to our families, our friends, our business dealings – let’s be honest – OUR LIVES!  So it makes sense that something so important, so vital to our daily lives, would be something that we should guard, protect and keep safe.

But hackers, scammers, phishers, trollers and assorted other nefarious people know that when you are busy, harried, and stressed by the demands of life and the new demands of staying connected on all these social media options, they can slip right in and rob you of it all – with disasterous results that can have long term effects.  We don’t want that for our insureds.

So here is an email we just received from one of our friends and we post it for you as a cautionary tale in hopes that you will never have to go through the same situation.

A person I follow on Facebook sent an email today:

I received a message from Facebook along with their logo, stating that my account would be suspended because I violated their policy and that I needed to verify my account or they would temporarily shut it down.  I filled out the form – with my login information.  Stupid—I know better than that!  But it looked real and I didn’t take time to really think it through because I was in a hurry and just wanted to resolve the problem.

That night I could no longer access my administrator account.  Then, when I went to my Facebook page, I found posts for all sorts of unrelated products THAT I DID NOT POST and posts from friends who also received some of those posts.  So I set about getting rid of them all only to find my password was changed and I could not delete the posts.

The end of the story is still being worked out by our friend and we hope it is only their Facebook account that was hacked and that the info taken was not enough to open other accounts or give the hackers access to additional private information or their online accounts.

We advise you NEVER to respond to an email request for account information through a link within that email or call a number provided in that email.  Instead, go directly to the public address or phone number and contact the inquirer directly on a secured line to see if they actually contacted you.  We want you to be educated, be aware, be careful, and be safe.

For more ways to protect yourself, see the following article on phishing:  www.wikihow.com/Prevent-Phishing 

 

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Fitts Insurance Agency, Inc.

2 Willow Street, Suite 102

Southborough, MA 01745

 

888-697-6542

508-620-6200

(f)508-481-0227

www.FittsInsurance.com

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Why Each Roommate Needs a Renters Insurance Policy

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You and your apartment, dorm or house mate might share living expenses, but you each need your own renters insurance policy. It’s an investment that replaces your possessions if they’re damaged, stolen or lost. Learn why this $15 per month policy is an important part of your living arrangement.

Be an Individual

Whether you and your roommates are strangers, best friends or cousins, purchase separate policies. Most renters insurance companies won’t include two or more unrelated people on a policy, so be an individual and purchase your own policy.

Cover Deliberate Damage

Maybe you and your roommate get along great until you have a big fight and he or she deliberately damages your valuables. If that happens and you and your roommate share a policy, you won’t receive a payout to replace the damaged item.

Protect Your Future Insurability

Let’s say your roommate’s car is vandalized. Your combined policy pays the claim, but since your name is also on the policy, your ability to purchase affordable insurance is negatively affected for the next three to seven years. Separate policies protects your future insurability.

Keep the Payout

Joint insurance policies include payout checks made out to both parties. So when your valuable electronic equipment is stolen, both you and your roommate have to sign the check. Purchase separate coverage to ensure you receive the full amount you’re due.

Cover Liability

When a visitor trips or falls and decides to sue you, renters insurance can cover the liability. Slander and libel may also be covered. Have your own policy to cover your liability.

Know the Limits

Despite purchasing separate policies, your renters insurance might include financial limits. Discuss coverage caps with your insurance agent to ensure your vintage guitar or art collection is covered.

Purchase Adequate Coverage

You don’t know how much your possessions are worth until you create an inventory list. Then, purchase replacement value coverage. Although it costs about 10 percent more than cash value coverage, it allows you to replace the damaged, lost or stolen item at its current cost rather than the purchase price minus depreciation.

The decision to share living space with an apartment means you share expenses too. Make sure each roommate purchases a separate renters insurance policy, though, as you protect your possessions.

Steer clear of car breakins

car break inOne Saturday, Jenny stopped by the mall for some afternoon shopping. The parking lot was packed, but she found a space at the very back of the lot. After she ate some lunch and shopped for a few hours, Jenny strolled back to her car—only to find that her passenger window was broken, and her laptop and iPod were missing. Her heart plummeted into her stomach, and she wasn’t sure what to do. If you’ve ever walked into a parking lot or your own driveway to discover a thief has broken into your car, you’re probably all too familiar with that terrible sinking feeling. Fortunately, there are some steps you can take to stop car robbers in their tracks. These criminals go for the simple jobs, so they usually choose vehicles that are parked in remote areas and have valuables in plain view.

Don’t make yourself an easy target. Follow these five easy tips to steer clear of car breakins: More