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Identity Theft, Are You Protected?

Tuesday, 25 March 2008

ID insurance? Who needs this stuff?

By Pat Regnier, MONEY Magazine. Additional reporting by Amanda Gengler.

NEW YORK (MONEY Magazine) - Scared by all the doom-saying from security experts and the identity theft stories in the news? Well, don't lose sight of your common sense. Below are some of the services you could buy .

ID Theft Protection and Restoration Plan! Get regular monitoring of your credit report and let the proven leaders in the identity restoration and legal services fields assist you.

Should you buy it? Only if your time is literally money. If you run a small business or bill by the hour, for example, coverage for lost wages may be helpful.

CREDIT MONITORING It scans your files at one of the three major credit reporting agencies and alerts you to changes. New addresses, inquiries or accounts in your name may be a red flag that an evil twin is out there.

How much: $12.95 a month and covers you and your spouse

Should you buy it? Its not if you become a victum, it is when, You have medical insurance for when you get sick, not if you get sick. Why not have the peace of mind knowing you are protected and have a plan in place to notify you and "restore" your identity

DOES YOUR CUSTOMER REALLY NEED TITLE INSURANCE?

Monday, 24 March 2008
Submitted by the Tennessee Land Title Association As a professional dealing with home purchasers and borrowers, you may have been asked some of the following questions: What exactly does title insurance cover, and who does it protect – the homeowner or the lender? Do you need title insurance on a refinance if you bought title insurance when you purchased your home, or refinanced six months ago? Here are answers to those important questions, as well as helpful advice on title insurance and why it is needed. Title insurance seems like just one more expense I have to pay when I buy or refinance a home. What exactly does it cover? Title insurance protects against problems affecting the title to your home, possibly your most valuable asset. There are two types of title insurance – a lender’s policy, and an owner’s policy. When you obtain a loan, (and a refinance is a new loan), the lender usually will require that you purchase a lender’s title policy to protect their investment in the property. Owner’s title insurance is optional, but it protects the homeowner by paying claims and legal fees should a problem arise. You usually only purchase an owner’s policy at the original sale, not on a refinance. Although an owner’s policy is not required, the State of Tennessee Department of Insurance requires the purchaser to sign a waiver should you decide not to purchase an owner’s policy.
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Submitted by the Tennessee Land Title Association