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Pick pocket

Your summer and vacation plans will be the best ever - especially if you follow the checklist below! Remember to contact your Baldwin / Welsh & Parker agent for questions regarding insurance coverage for your vacation home, rental property, boat, or rental car. Here are 9 of the best quick tips we have found to keep you and your loved ones secure and safe!

Before You Leave

  1. Scan important travel documents and store them in a secure online repository. In the event that your information is lost or stolen, using an online repository allows you to easily access copies of your passport, drivers license, visa, and any other vital identification from anywhere in the world. Remember to do this for every person traveling with you, including children.
  2. Register in the Smart Traveler Enrollment Program. Visit https://step.state.gov/step/ to enroll in STEP, which provides comprehensive traveler information, including travel alerts and restrictions; information on visas or vaccinations; crime and stability update; road conditions; laws of the country you're visiting; and consular contact information.
  3. Take only what you need. Chances are that you will not be writing checks; leave these and any extra debit cards or credit cards that you will not be using at home. This will decrease the amount of institutions you will need to contact if they are lost and decreases the damage criminals can wreak on your accounts. 
  4. Put mail on "postal hold" while you're gone. Go to your local post office or do it online at https://holdmail.usps.com/holdmail/
  5. Make your home look lived-in. Arrange for friends or family you trust to pick-up newspapers, mail, and advertisement flyers in order to avoid drawing attention to your home. This will reduce the risk of break-ins which may result in the loss of valuables, including your identity.

While you are traveling

  1. Carry valuables safely. Your valuables and identification are a mere swipe away from a purse-snatcher or pickpocket. Money belts kept under clothing are the safest. For stowing cash, credit cards and identification, inside pockets and sturdy shoulder bags with straps across the chest are much better than handbags, fanny packs or outside pockets.
  2. Use the hotel safe. Place your cash, credit cards and especially your passport and all identification documents in the safe whenever they are not in use.
  3. Take caution with public computers and Wi-Fi. If possible, avoid using public computers to access anything sensitive, such as conducting online banking, making purchases, or accessing email accounts. These computers could potentially have malware that is designed to capture the information you have entered. Avoid these same activities when using a public Wi-Fi connection as the information can easily be captured by criminals on the same connection. Make sure to use an encrypted Internet connection whenever you go online.
  4. Be aware of social media updates. We all like to share photos online with our family and friends as we are traveling. However, when you tell people where you are, you are also telling them where you aren't - at home. Criminals use this information to gain access to your home, which contains your valuables, including your identification.

Click here for more travel tips.

Excerpt from Fraud Smarts, by Daniel Szabo. A practical how-to guide to help everyone stay safe to avoid the latest scams and prevent identity theft. With hundreds of easy to follow tips, this guide is designed as a go-to resource for consumers, teenagers, college students, families, senior citizens and small businesses. This book also provides a complete list of resources and support for victims of fraud.  

Published in Blog
Monday, 21 November 2016 16:03

Safety Tips for Black Friday Shoppers

By Trusted Choice Staff Writer

 

The day after Thanksgiving, also known as Black Friday, is the biggest shopping day of the year.  When it comes to cashing-in on the day’s deals, the motto is “If you snooze you lose.”

Many stores will open at 12:01 a.m. on Friday and some retailers will even open their doors on Thanksgiving eve in hopes that they can entice people out of their post-turkey dinner food coma. For serious bargain-hunters, the day is the ultimate shopping extravaganza that requires a strategic plan, including store maps and item locations, that’s hatched days in advance. Others take a less organized approach, but are still hungry for a deal or this year’s hottest holiday toy.

The combination of too-good-to-be-true deals and shoppers hopped up on copious amounts of caffeine and tryptophan can be dangerous, though. Overzealous drivers can make parking lots a zoo and sleep-deprived shoppers are less likely to pay attention to the road. Unfortunately, Black Friday, which is considered the unofficial start to the holiday season, also brings out thieves, pickpockets, and others who are looking to take advantage of unsuspecting shoppers.

Whether you’re leaving the house at the crack of dawn (or dusk) in search of Black Friday deals or saving your holiday shopping for the last minute, keep these safety tips in mind when navigating the parking lots and wandering the aisles.

On the Road and in the Parking Lot:

  • When backing out of a parking spot, be aware of waiting cars, others who are backing out at the same time, and motorists who speed through lanes.
  • Lock all doors and roll up all windows even when leaving the car for a short period of time.
  • When shopping, keep gifts in the trunk or hidden from view in the interior of the car. Also, put all of your packages in the trunk before departing one parking lot and driving to another. Waiting until your next shopping destination allows others to see packages go into the trunk of your car and then you departing into the mall or store.
  • Avoid parking next to vans and large trucks that block your space from general vision of others.
  • Make a mental note or write down exactly where you park your car to avoid wandering around longer than necessary.
  • During the day, park away from buildings to reduce the chance of dings from car doors or shopping carts. At night, avoid secluded areas and park directly under lights whenever possible.
  • Have your keys in hand when leaving a store. Also, look underneath your car before you reach it; criminals have been known to lie underneath in wait.
  • Bring gifts in the house with you instead of leaving them in the car.

In the Store:

  • Use a credit card to avoid thefts of large amounts of cash that are irreplaceable.
  • Shopping with a single credit card is preferable because it’s easier to cancel one, rather than several, if your wallet or purse is stolen.
  • Keep purses zipped and close to your body. Never leave a purse unattended in a shopping cart where it is more susceptible to theft.
  • Keep a reference list of phone and account numbers for all your credit cards in a safe place at home.
  • If possible, carry keys, cash, and credit cards separate from each other.
  • For freedom of motion and clear visibility, do not overload yourself with bags when leaving a store and returning to your car. It’s difficult to defend yourself with when you’re carry a lot of packages.
  • Use ATMs in well-populated, well lit locations. Do not throw ATM receipts away at the ATM location.
  • Remember there is increased safety in numbers. Avoid walking alone and leave malls and stores well before closing time to assure a more active parking lot. Ask mall security to walk you to your car if you feel you are not safe.

In additions to remembering these safety tips, you should also review your insurance policies with your Trusted Choice® independent insurance agent to make sure you have the proper coverage in case an accident or theft does occur. Liability coverage will protect you if you hit another motorist, collision coverage will cover the damage to your car, and comprehensive coverage will insure you for damage by vandals or theft of your vehicle.

Published in Homeowners

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