University Casulty And Property Insurance Company

Identity Theft – Who's Stealing Your Information

According to the Federal Trade Commission, a new case of identity theft occurs every three seconds. Identity theft can damage your personal and financial reputation – costing thousands of dollars, ruining your credit and taking hours or months to resolve.

For $25 a year, our Identity Services and Fraud Expense Coverage provides quick detection and rapid response, plus up to $25,000 fraud expense reimbursement per occurrence to cover identity restoration expenses, such as attorney fees, loss of wages and more.

• Identity Credit Monitoring Services – Monitors your credit file and notifies you by email of unexplained credit file changes that might indicate fraud.

• Proactive Identity Services – A specialist at Identity Theft 911® will place a free fraud alert to help lock out identity thieves and prevent fraud.

• Identity Theft Resolution – A fraud specialist is on-call to provide unlimited, one-on-one personal assistance in the resolution process if your identity is compromised.

• Identity Document Recovery – Provides assistance with rapid replacement of crucial documents and identification following a natural disaster, such as a tornado … or any time personal papers are lost, stolen or destroyed.

Talk to your Farm Bureau agent today about adding Identity Services and Fraud Expense Coverage to your Farm Bureau Member’s Choice policy. Visit www.FBFS.com/IDTheft for more information.

Source: Federal Trade Commission; Javelin Strategy & Research. Identity Services, including Identity Credit Monitoring Services, Proactive Identity Services, Identity Theft Resolution, and Identity Document Recovery are provided by Identity Theft 911®, LLC. This coverage can be added to the property or liability section of a Farm Bureau Member’s Choice policy at any time for an additional cost.

Plenty of Need for Tax Preparation Help by Hurricane Victims

Many individuals who braced for the worst from Hurricane Irene this summer time have been in a position to escape damage. Regrettably, a couple of individuals have been not so lucky. A whole lot of flooding occurred in Pennsylvania alongside the Delaware and Schuylkill Rivers.

Insurance plan protects some people from harmful winds and falling particles. Nevertheless, coverage for floods is a specific category of insurance plan that’s commonly only held by people in regular river floodplains. The extraordinary injury by Hurricane Irene caused men and women to undergo losses not coated by insurance coverage. Fortunately, these folks can rely upon someone with IRS tax preparer training for relief.

Claiming a residence reduction is an itemized deduction on a tax return. The reduction from considerable damage is often substantial adequate for taxpayers who never usually itemize deductions to suddenly have a adequate sum for itemizing. The unfamiliar kinds required to seize the deduction typically require tax preparing help for completion.

The first step in the casualty loss process is determining the sum. This is calculated by figuring the fair market place value of property just before and instantly right after the casualty. Naturally, the registered tax return preparer work will exclude any reimbursements from insurance plan. The casualty loss calculation also demands which includes any adjustment to property foundation taken by the taxpayer, this sort of as depreciation in earlier many years. Consequently, tax preparer jobs with casualty losses generally need some additional facts for house used in rental, company, or agricultural pursuits.

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Some victims of Hurricane Irene will not have to wait right up until subsequent yr to declare their 2011 reduction. Collecting a prior yr tax refund is achievable for some casualty loss statements. This is not the case for all casualty losses. But taxpayers with a reduction in a federally declared disaster place are permitted to claim the loss as if it had occurred previous yr. This unique IRS rule makes it possible for individuals to amend 2010 tax returns to declare their loss that occurred in 2011. Amending a prior 12 months tax return is an unusual approach for most taxpayers. To assure accuracy, obtaining a specialist with paid tax preparer training is the best voie.

Pride and prejudice, a novel in three volumes

Romeo and Juliet

Crime and punishment

War and Peace

Of mice and men