Radio Frequency Indetification Thefts

Credit cards are gradually moving away from the swipe and process cards to the wireless transfer of financial data. This make shopping lines move quicker but it does create a new kind of theft. The technology is called Radio Frequency Identification (RFID). All you do is hold a card near a RFID scanner and the data is transferred. The problem with this is that computer savvy criminals can create scanners that steal your financial data right off your credit card, even if it is still in your wallet. Credit card companies are becoming aware of this issue and have worked to solve the problem with on off switches on the card that are triggered when a finger presses the chip that is imbedded in the card. One other way to prevent scanning theft is to purchase a RFID protected wallet. For example the HuMn Wallet has material that doesn’t allow RFID scanners to scan cards in the wallet.
So be sure to take precaution if your new credit card has the RFID chip imbedded inside. Ask if you can have a card that has the on/off switch and if not look into purchasing a RFID protected wallet.

Oregon Car Insurance

Oregon Car Insurance: What Residents Need to Know

Oregon, a state in the Pacific Northwest region of the U.S., is one of the most strict and inflexible states in the U.S. when it comes to car insurance requirements. It is mandatory for every driver in the state to possess auto insurance. If you are caught driving in Oregon without an auto insurance policy, you may have to bear tough consequences in the form of SR-22 compliance. In the worst case, you can be suspended of your driving privileges and the local law enforcement group may even ‘relocate’ your vehicle to some other place.
To avoid these complications, it is better for you to opt for a cheap Oregon car insurance policy.

The Minimum Insurance Requirements for Oregon:

  1. Bodily injury and property damage liability of $25,000 per person,
  2. $50,000 per crash for bodily injury you cause to others,
  3. Personal injury protection to cover “reasonable and necessary medical and other expenses for one year after the accident” of $15,000,
  4. $10,000 per crash for anyone else’s personal property that decides to get involved,
  5. Uninsured motorist coverage of $25,000 per person and $50,000 per accident
For more specific details on regarding Oregon insurance consumers may contact the Oregon Insurance Division of the Department of Consumer and Business Services in Salem at 503-947-7980 or by visiting their website at http://www.cbs.state.or.us/external/ins/index.html.
It is essential for you to be aware of the ways in which you can get cheap car insurance in Oregon. Some of the ways are:

Keep a Good Driving Record:

This is the first factor that auto insurance companies consider when offering insurance. Based on the policies of your car insurance provider, an accident can stay on your record for 3-7 years. Hence, an ‘at-fault’ accident can increase your insurance premiums for up to 7 years and this can cost you a considerable amount of money. Therefore, it is very important for you to maintain a good driving record. A clean driving record will surely fetch you cheap car insurance in Oregon.

Maintain Low Mileage:

Some car insurance companies in Oregon consider the mileage your car covers in a year, on average. This is because, the fewer miles you drive on the roads, the lower the chances of you getting involved in an accident. Therefore, it is advised that you use the public transportation system at least twice a weak to get to your workplace. If your car insurance company offers discounts for low mileage, you will pay cheap insurance rates.
It is advised that you choose the most appropriate insurance coverage for yourself by considering quotes of different car insurance companies in Oregon.

Secure Data with Dropbox

I recently posted an article about data loss and the risk of losing hard to restore information from your computer. In the article it was mentioned that we would share a few more specific examples of ways to protect your computer data from total loss. One example of securing your data and backing it up is a service called Dropbox. Dropbox is a cloud like program. This means that all your computer data is safely secured on different Dropbox servers throughout the country as well as on your personal computer. If your personal computer ever suffered a hard drive crash, was stolen or was damaged in a fire all you would need to do is replace your computer and download all your data from the Dropbox servers. You can do 2GB of storage for free or pay $9.99 a month for 50GB of storage. If 50GB is still not enough you can pay $19.99 a month for 100GB of storage.

When you install Dropbox on your computer it creates a folder that you can copy and past your files into. You can copy and past document, video, music files, etc. When you place these items into the Dropbox folder on your computer it then syncs the information with the Dropbox servers via an internet connection. If you have multiple devices like iPads, iPhones or if everyone in your family has a different laptop you can all share one account and load each device’s information into the same Dropbox account. It then syncs and backs up all devices. This also allows you to access each others information from any device via the Dropbox folder on your computer, mobile device or even a special website that is created for each account. Not only does it back up and secure your information it also makes it easier to access from anywhere.

Dropbox is probably better fit for personal use. Depending on the size of your business it may not be the best option as it does have a 100GB storage limit. I will be sure to post soon about how businesses can best secure their data as well as have some future posts on how to use insurance products to help restore your data.

Delaware Car Insurance

Delaware Car Insurance: Residents Guide to Requirements

If you are in Delaware and you are looking for car insurance, you may find that there are innumerable insurance companies who will lure you to buy a policy from them and offer you cheap insurance. The advertisements may be enticing, but not all companies are genuine. Hence, finding the right car insurance policy in Delaware can be a very complicated task.
It is therefore very essential to first get information about the insurance requirements from the Delaware Department of Insurance before buying insurance. Each state has its own set of rules and guidelines concerning car insurance, and if you want to get the best insurance coverage, you must first know the rules of your state, Delaware.
The laws in Delaware make it compulsory for every driver in the state to have minimum liability insurance coverage. The minimum liability coverage covers the cost of, not only the bodily injury, but also the property damage.
Delaware follows the ‘Tort System’ for car insurance. As per the system, a single person is held responsible for the accident and has to pay for the damages.
Each and every driver in Delaware, as per the law, is required to have minimum liability coverage of $15,000 to pay for the medical expenses of a single person who suffers bodily injuries in an accident. Delaware state auto insurance law also requires drivers to have a minimum of $30,000 coverage to pay for damages, if more than one person is injured in an accident. If the driver causes any damage to private property, the minimum coverage required is $10,000.
Apart from minimum liability insurance, Delaware has a tort system which also requires every driver to have Personal Injury Protection (PIP) coverage for minimum of $15,000 for one person and $30,000 for the total number people involved in the accident.
Comprehensive information on Delaware state requirements for auto insurance can be obtained from the Delaware Department of Insurance in Dover at 1-800-282-8611 or by visiting their website athttp://www.delawareinsurance.gov/.
If you live in Delaware and looking to save money on your car insurance, there are some discounts that Delaware auto insurance companies offer. Most of our insurance partners in Delaware offer discounts as they compete for business locally. You can check for available discounts using our free quotes comparison tool available at the end of this article.
There are various types of discounts available for drivers in Delaware. Some of which includes:
Good Grades Discounts: If you are a student, then you might be qualified for this discount offer. But your academic records should reflect that you have consistently maintained good grades. If you maintain a 3.0 Grade Per Annum (GPA), you may qualify for the discount. This type of discounts is especially helpful for young drivers who are just getting started.
Defensive Driving and Safety Devices: If you’ve taken a defensive driving course and do not have any accident records, some companies may offer you a discount on your premium. You should also be eligible for discounts if your car is equipped with modern safety devices.

Privacy Policy

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
We will only retain personal information as long as necessary for the fulfillment of those purposes.
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

UK Car Insurance – The Top 10 Cheapest Cars To Insure

The cheapest cars to insure

The type of car you drive is likely to have a big effect on the price of your car insurance – find out which cars are the cheapest to insure and why There is no definitive cheapest car insurance in the UK, so finding the best deal depends on a range of factors – namely, the vehicle. While common sense tells us it costs less to insure a Fiesta than a Ferrari, the value of your vehicle isn’t the only factor involved in determining car insurance cost – scroll down to see ten of the cheapest cars to insure:

1. Chevrolet Spark
Cheap to buy and decent for safety, the Chevrolet Spark makes up for what it lacks in performance with its cheap car insurance rate.
Chevrolet Spark, cheapest cars to insure
2. Citroen C1
The C1 is cheap to run, while servicing costs are also reasonable. Some Citroën deals also come with one year’s free insurance to appeal to young drivers and first-time car buyers.
Citroen C1, cheapest cars to insure
3. Fiat Panda
Boasting a super-efficient engine, the pocket-sized Panda is a practical city car with low running costs across all models.
Fiat Panda, cheapest cars to insure
4. Vauxhall Corsa Hatchback
Popular with young drivers for well over a decade, the Corsa is a sensible and reliable supermini – all models from 2006 onwards appear in car insurance group 1.
Vauxhall Corsa, cheapest cars to insure
5. Volkswagen Fox and Up
Originally designed as a Brazilian city car, the Fox is cheap to run and offers good fuel economy. Its successor, the Up, won What Car? ‘Car of the Year’ for 2012.
Volkswagen Fox, cheapest cars to insure
6. Ford Fiesta and Ka
The new Ford Fiesta is officially the UK’s best-selling car, and both the Fiesta and Ka can be found in car insurance group 2, making them the cheapest Ford cars to insure.
Ford Ka, cheapest cars to insure
7. Nissan Pixo
A collaboration between Nissan and fellow Japanese manufacturer Suzuki, the Pixo is cheap to buy and comes with extremely low running costs.
Nissan Pixo, cheapest cars to insure
8. Peugeot Partner Tepee 
The Partner Tepee is a compact and durable people carrier that’s only slightly bigger than an average hatchback. Maintenance costs are low and it generally only needs servicing every two years.
Peugot Partner Tepee, cheapest cars to insure
9. Skoda Fabia Hatchback and Estate
Part of the Volkswagen group, the Fabia Hatchback and Estate are both in car insurance group 2 as a result of their low prices and solid engineering.
Skodia Fabia, cheapest cars to insure
10. Smart Fortwo Coupe and Cabriolet
Smart cars are renowned for being able to squeeze into tight spaces and are often attract cheap car insurance, though servicing and parts can be expensive.
Smart Fortwo, cheapest cars to insure

Car insurance groups – how do they work?

Every car on the market belongs to one of 50 car insurance groups set by the Group Rating Panel (members of the Association of British Insurers and the Lloyds Market Association).
Typically, the lower a car’s group number, the cheaper it will to be to insure – for example, cars within groups 1-5 are far more likely to attract the cheapest car insurance. Insurers can also use their own grouping system if they want.
When the panel decides on which car insurance groups to assign cars to they look at:

  • Car performance: the car’s acceleration and top speed
  • Car security: what security features the car has
  • Cost of parts: the cost of 23 of the most common parts
  • Maintenance: how much and how long the car takes to fix
  • Car value: the price of the car as new

Preparing for Winter

Wintertime and winter weather can be tremendous fun, but cold and snow can also pose danger. Slippery roads, downed power lines and limbs, and freezing cold temperatures all bring an added measure of suspense to our daily activities. There are simple steps you can take that will take the chill off your wintertime experience.

In your car. It is not enough to throw a safety kit, including emergency equipment such as blankets, candles, a shovel and traction aids into the trunk of your car and think that you are ready for operating your vehicle in inclement weather. The single most important thing we can do while driving in severe winter conditions is to slow down. A safe speed for conditions might be well under the posted speed limit. Triple the normal driving distance between you and the car in front of you. If your vehicle begins to slip, immediately take your foot off the accelerator and steer gently in the direction you want the car to go.

If your car gets stuck, clear the snow in front of and behind your tires and spread sand, kitty litter or traction mats in the front and back of your tires. Gently accelerate until you feel the tires begin to spin. Put the car in reverse and back up slowly until stopped by the snow. Rock forward again using a low, steady speed.

At home. Have your heating system inspected to make sure it is working properly. If you have an alternative heating source, it should be UL approved and inspected before using.

Good insulation will also help if power is lost. Check for possible air leaks around doors and windows. Seal electrical outlets and switches on outside walls. Stock up on easy to prepare food, first aid supplies, batteries, flashlights and a battery-operated radio.

If you do get snowed in at home and the situation isn’t dire, just relax and preserve heat by hanging blankets over windows and doors. If you use a supplemental heating device, make sure it is UL approved, in good operating condition and maintaining safe distance from flammable items.

Outside. Make sure to remove garden hoses from outside faucets. Hopefully, you remembered to clean your gutters of leaves and debris. Better yet, install gutter guards. These can help keep snow and ice from building up, which can form ice damns and damage your house. Outside heating appliances like heat pumps must be clear of snow and debris to work efficiently.

If you have to go outside, wear tight and layered clothing and sturdy watertight shoes. Make sure to cover exposed parts of the body by wearing hats, gloves and scarves. Failure to protect skin and prolonged exposure to the cold can result in frostbite. The nose, cheeks, ears, fingers and toes (your extremities) are most commonly affected.

What to Do if You’re in a Collision

Always call the police if:

  • someone is hurt;
  • you think any other driver may be guilty of a Criminal Code offence, such as drunk driving; and/or
  • there is significant property damage.

If no one is hurt:

Safety first: If it is safe, try to move your car to the side of the road, out of traffic. If you can’t drive your car, turn on your hazard lights or use cones, warning triangles or flares.
Just the facts ma’am:
  • Jot down details about the accident, including how it happened, the time, date and location, the speed of all cars and the road conditions.
  • Get the contact information (names, addresses, phone numbers) of the registered owners of all cars involved, other passengers and other witnesses.
  • Get insurance information from all drivers involved in the accident, including the driver’s licence and plate numbers, and the names of their insurance companies and brokers.
Picasso you don’t have to be: A sketch of the accident scene noting the position and direction of the cars is also helpful. (You may want to keep a disposable camera in your glove box to use instead.)
Preventing further loss:  If you are involved in a collision, you are responsible for protecting your car from further loss or damage. Your insurance company will, however, pay for this if you have purchased collision or all perils coverage.
It can be very stressful and confusing to be in an accident. There is a lot of information that you should note at the time. To help you, IBC has developed an accident report form.

Auto Insurance Secret Tips

Car Insurance Secrets Revealed

The importance of having a car insurance policy cannot be undermined. The soaring cost auto insurance can make you apprehensive about opting for car insurance. However, by being aware of some secret tips pertaining to insurance policies, you can definitely get good car insurance at a cheap price.
Some of the auto insurance secret tips are:

1. A Poor Driving Record Can Cost You:

If you do not have a good driving record, you may have to pay a relatively high amount of premium on your insurance. As per the industry standards, your premium rate is increased by 40% after your first case of accident (minor or major).
Tip:
You need to know that not all car insurance companies follow this policy. It is advisable to verify whether your insurance provider follows this rule. If it does, inquire in advance about the rates applied for bad driving record. However, having a good driving record is always beneficial.

2. The Make and Model of Your Vehicle

Auto insurance companies have a rating system, usually designed by the Car Insurance Services Office, for different types of car models. This system is based on different factors such as the vehicle’s cost and its safety features.
Tip:
You can consider purchasing a car model, which can get discounts on car insurance rates. Based on your car model, auto insurance companies will offer you attractive discounts.

3. Your Car Real Value can Affect your Insurance Rates

Every car insurance company has its own list of car values. They can even contact your local car dealer to find the value of the car.
Tip:
If you do not wish to agree with the car insurance company’s value system, you can consider opting for gap insurance.

4. Your Credit Reports

Your car insurer can request your credit reports to check your credit history, which they may use to prepare your insurance score. A good credit history can get you cheap car insurance, whereas a poor credit history may spell doom for your insurance prospects.
Tip:
If you don’t have a decent credit history, it will be better to avoid opting for insurance till your credit history regains normalcy. Later on, you can avail car insurance at a discount price.
Besides these tips, it is also advised to officially cancel your insurance policy if you wish to switch car insurers.

Douglas M. Fey

Fey Insurance Services morns the loss of Douglas M Fey who served those in our agency as an owner, brother and uncle.  We will greatly miss him and his warm spirit around the office.  Below is his obituary.

FEY, Douglas Michael age 64, went home to be with the Lord on Friday, September 27, 2013. He was born on December 30, 1948 in Cincinnati, OH, the son of Ralph N. Fey and Ruth Yvonne Curpen “Bonnie” Fey. He attended school in Oxford graduating from Talawanda High School and later attending Miami University in Oxford where he was awarded a Bachelors of Science Degree in Business Administration in 1971. While at Miami he was a member of Beta Theta Pi Fraternity where he served as Chapter Treasurer. Following graduation he entered the U. S. Army serving in the Finance Branch in the United States and for 18 months in South Korea. Upon completion of his military service he returned to Oxford to begin working in the family insurance business with his father, older brother, his sister-in-law and later his nephew. Doug was Vice President of Fey Insurance Services. He loved to fly and held a commercial instructor’s rating, and at one time he owned a vintage 1946 Piper Cub which he hangered at his family’s farm. In addition, he was at various times a member of the Oxford Presbyterian Church, the Oxford Kiwanis Club, the Oxford Rotary Club and the Oxford Country Club. On October 17, 1993, Doug married his beloved Paulette, and they moved to Lebanon, OH where he lived the rest of his life. Doug and Paulette loved to travel and spend time with their children and grandchildren. He leaves his brother, Thomas Curpen Fey (Cathy) of Oxford, Ohio, Paulette’s daughters Amber Mitchell (Jon) of New Carlisle, Ohio, Kim Martin (Zach) of Loveland, Ohio and Laura Hockett of Lebanon, and thirteen grandchildren including Samantha Mitchell, Milo Mitchell, Ulyana Mitchell, Ilia Mitchell, Anastasia Mitchell, Slava Mitchell, Olga Mitchell, China Martin, Nova Martin, Cherokee Martin, Zion Martin, Ivy Hockett, a niece, Elizabeth Fey Mundy (Al) of Cincinnati, Ohio and nephew, Brian Douglas Fey (Kate) of Cincinnati, Ohio and their children. He was preceded in death by his parents. Visitation will be held on Wednesday October 2nd from 10:00-12noon at Oswald-Hoskins Funeral Home with a service immediately following. Interment will take place in Lebanon Cemetery. Arrangements were made by Oswald-Hoskins Funeral Home. Online condolences may be sent to the family by visiting www.hoskinsfh.com