Identity theft and data breach are two evolving crimes that affect more and more people each year. The stories are horrendous. But plenty of information exists to help you prevent becoming a victim.
Here’s a little video from the FTC, followed by some resources that can help you understand the crime, how it’s committed, and how to avoid it.
Federal Trade Commission
Identity Theft Resource Center
True Stories of Identity Theft
Q: Do you know how hiring a ride with a Transportation Network Company (TNC) like Uber or Lyft works?
Q: Do you know if the TNC has auto insurance, requires its drivers to have insurance, and/or conducts background checks before hiring drivers?
Q: If you want to drive for a TNC, do you know if you must pass a background check, if your car must pass an inspection, if you must have certain types and limits of insurance?
Q: When does a ride really begin and end? How much does one cost and how high can the prices go?
Q: What’s all the hooplah about?
We’ll answer these and other questions during our live webinar, Ridesharing, which will be presented on May 16 at 11 a.m. Mountain/1 p.m. Eastern time. Insurance producers and adjusters in Montana will earn 1 hour of continuing education (CE) credit for completing the webinar and click here to register.
In addition to our monthly schedule of insurance continuing education webinars, we are now offering insurance CE webinars by request. This means is we will hold webinars just for you–at dates and times that work for you, including Saturday mornings. Choose from among the 15 courses in our curriculum or arrange for us to develop a webinar to meet your particular needs.
How does it work?
- You contact us with your preferred date and time, and the webinars you are interested in
- We check Linda’s availablity as instructor
- Our fee is based on the number of attendees; the more attendees, the lower the cost per person
For more information, click here.
Our newest insurance classroom insurance CE seminar was approved this week for 4 hours in the state of Montana. P&C: 4 Important Pieces touches on four specific topics that are essential to both personal lines and commercial lines producers:
- Bonds and suretyship
- Crime and fidelity insurance
- Inland marine coverages
- Renting cars
The debut presentation of this course will be held in Kalispell on September 23, 2016 beginning at 8:30 a.m. For more information, visit our FloodCo CE page.
We are happy to report that the Montana Insurance Continuing Education Program just approved two new classroom insurance CE courses:
P&C Smorgasbord was approved for 8 hours of credit and contains eight, 1-hour topics:
- Renting Cars
- Identity Theft
- Terrorism Insurance
- Inland Marine Coverages
- Surplus Lines
- Cyber Security
Life and Health Smorgasbord was approved for 4 hours of credit and contains three topics:
- Anti-money laundering (1 hour)
- Medicare (2 hours)
- Affordable Care Act (1 hour)
Both courses will be presented in Missoula during the week of September 18, 2016. For more information about pricing and registration, click here.
Here’s a link to our June Newsletter, which contains the latest news about our insurance continuing education course curriculum: http://us2.campaign-archive1.com/?u=153f99e08d4b5ee668e796186&id=110531a4bd
We will be visiting Missoula in September, where Linda will present 24 hours of classroom CE at the Staybridge Suites on the north side of town. For more information about these events, including pricing and discounts, click here.
Our hottest webinar at the moment seems to be the 1-hour Renting Cars, which explains the issues that arise when an individual or business rents a car and then expects the personal or business auto policy to extend coverage. Unfortunately, this doesn’t always go as smoothly as expected because a number of conflicts exist between the car rental agreement and the insurance contract.
Our March newsletter was published online today, along with our upcoming insurance CE schedule. For those of you who are unaware, in addition to offering our insurance CE webinars in Montana we now offer them in the state of Oregon. We are also presenting our CE webinar courses in-house so, if you’d like your agency/company staff to attend the same webinar–either one we are already offering or one we design especially for you, contact Linda directly for more information.
We just received approval six new insurance CE webinars in Montana and Oregon–check out our updated Webinar Schedule!
- Cyber Security (approved for 3 hours in MT and OR)
- Insurance Fraud, Part 1 (approved for 2 hours in MT)
- Insurance Fraud, Part 2 (approved for 2 hours in MT)
- Liability Insurance (approved for 3 hours in MT)
- Renting Cars (approved for 1 hour in MT and OR)
- Insuring Mother Nature (approved for 3 hours in MT and OR)
Webinars in December:
- 2015 Montana Insurance Legislative Updates (new!)
- Ethical Dilemmas (new!)
Webinars in January:
- Renting Cars (new!)
- Cyber Security (new!)
- 2015 Montana Insurance Legislative Updates
Webinars in February:
- Ethics and E&O: A Professional Relationship
- Liability Insurance (new!)
- Flood Insurance Training Course (meets FEMA requirements)
We had TERRIFIC insurance continuing education classroom seminars in Bigfork and Kalispell last week, thanks to the folks at FloodCo of Whitefish and the Montana Logging Association in Kalispell.
Lloy Griffing of FloodCo hosted three insurance CE seminars at the Marina Cay Resort in Bigfork on Monday, October 5th. Despite the dry subjects (Montana law, ethics, and cyber security), we had a terrific time and are looking forward to returning to the area in the spring for another FloodCo-sponsored event.
We spent the day on Tuesday, October 6 with Coleen, Erica, and John at the Montana Logging Association. These wonderful people were kind enough to host the day’s two seminars: Insuring Mother Nature and Insurance Fraud.
We appreciate our clients, as well. If it weren’t for their enthusiastic invitations to return to Montana, and their faithful attendance at our classroom seminars, we wouldn’t be able to have this much fun … this often … in Montana.
We are happy to announce that we received approval from the Montana Insurance Continuing Education Program for three brand new webinars:
2015 Montana Insurance Legislative Updates is approved for 1 hour of CE and addresses some of the insurance changes addressed during the 2015 regular legislative session. This webinar will be offered in 2015 on October 20 and December 19. 2016 dates will be announced sometime in October. This seminar meets the requirements of the legislative changes course.
Ethical Dilemmas is approved for 3 hours of CE and helps students achieve a better understanding of the ethical dilemmas they routinely face concerning service issues, privacy and confidentiality, and understanding issues related to the insurance application. This webinar will be offered in 2015 on October 14 and December 15. 2016 dates will be announced sometime in October.
Insuring Mother Nature is approved for 3 hours of CE. Mother Nature tends to surprise us with a variety of weather events. In this course, we help students become familiar with P&C underwriting risks and how they relate to certain catastrophe risks, acquire a basic understanding about why the purchase of separate flood insurance is so important, understand the earth movement exclusion (and coverage) and how it pertains to more than just earthquakes. This webinar will be offered in 2015 on November 17. 2016 dates will be announced sometime in October.
We are holding two days of insurance classroom seminars in Montana on October 5 and 6, offering a total of 14 hours of approved insurance continuing education credit.
October 5, Bigfork (sponsored by FloodCo)
8 to 9 a.m. – 2015 Montana Insurance Legislative Updates (1 hour of CE) -BRAND NEW course
9:15 a.m. to 12:15 p.m. – Ethical Dilemmas (3 hours of CE) – BRAND NEW course
12:15 to 1:15 p.m. – lunch (included)
1:15 to 4:15 p.m. – Cyber Security (3 hours of CE) – 2nd presentation; 1st presentation was in Missoula in June
Seating is limited and registration is being handled by Lloy Griffing at FloodCo. You may contact Lloy by phone at 406-270-0799 or by email at Lloy@FloodCo.net. Location: Marina Cay conference room.
October 6, Kalispell
8 to 11 a.m. – Insuring Mother Nature (3 hours of CE) – BRAND NEW course
12 to 4 p.m. – Insurance Fraud (4 hours of CE)
Seating is limited. A $10 late registration fee applies, per seminar, only for the October 6th events for registrations received after 9/29. Location: Montana Logging Association, 2224 Highway 35.
We just received approval for three new insurance continuing education classroom seminars in Montana:
- 2015 Montana Insurance Legislative Updates was approved for 1 hour of CE
- Ethical Dilemmas was approved for 3 hours of CE
- Insuring Mother Nature was approved for 3 hours of CE
The ethics and legislative changes courses will be presented for the first time at our FloodCo sponsored event in Bigfork, Montana on Monday, October 5th. Insuring Mother Nature will be presented for the first time in Kalispell on October 6.
For more information, or to register for these classroom seminars, click the following links in the red linkbar appearing at the top of the page: CE Course Dates, Insurance Courses, and/or FloodCo Sponsored Insurance CE in Montana.
We will be in the Kalispell area on October 5 and 6 offering five insurance CE seminars, all of which are brand new.
Our October 5th event is sponsored by FloodCo and we are in the process of negotiating the venue, which will probably be in Bigfork. Registration and inquiries for the event should be directed to Lloy Griffing. He can be reached by email or phone at Lloy@FloodCo.net or 406-270-0799.
- 8 to 9 a.m. – new 2015 legislative updates course, submitted for approval for 1 CE
- 9:15 a.m. to 12:15 p.m. – new ethics course, submitted for approval for 3 CEs
- 1:15 to 4:15 p.m. – Cyber Security – approved for 3 CEs
Our October 6th event will be held at the offices of the Montana Logging Association:
- 8 to 11 a.m. – new course, Insuring Mother Nature, submitted for approval for 3 CEs
- 12 to 4 p.m. – new course, to be announced, to be submitted for approval for 4 CEs
To see our entire curriculum of insurance CE seminars, our CE webinars, or our 2015 CE course dates, visit our website.
Now that the summer webinar hiatus is nearing an end, we’ve posted our insurance CE webinar schedule online for the remainder of the year.
Our September lineup includes:
To see all our insurance CE course dates for the remainder of 2015, including classroom seminars in Bigfork and Kalispell, Montana on October 5 and 6, visit our website’s CE Course Dates page.
FloodCo, LLC is partnering with us by sponsoring a day of insurance CE in Kalispell on Wednesday, June 10, 2015:
- 9 a.m. – 12 p.m., Ethics and E&O: A Professional Relationship – approved for 3 hours of CE
- 12 – 1 p.m., break for lunch, which is included
- 1 – 4 p.m., Flood Insurance – approved for 3 hours of CE; meets FEMA training requirements
Seminars to be held in the Community Room at Snappy’s Sports Senter in Kalispell.
For more information, or to register, contact Lloy Griffing at FloodCo:
We’re happy to report that the Montana Insurance Continuing Education Program has approved two more classroom CE courses in our curriculum:
Both classroom seminars will be presented in Missoula in June (on the 8th and 9th) and in Kalispell in September (on the 29th and 30th).
We expect to e submitting a Cyber Security webinar during the month of May, as well as several other new webinars and seminars in the coming months.
Our February newsletter, which contains our CE schedule for the month of February, was published today. To view the newsletter online, click this link. If you would like us to email you a copy of the newsletter, send us an email at CE@faulknereducation.com with “send newsletter” in the subject line.
We are in the process of finalizing our Montana classroom seminar dates and will get our complete 2015 calendar up on the website soon.
We will be in Great Falls on June 11th to present two 4-hour insurance CE seminars at the annual convention of the Montana Association of Mutual Insurance Companies (MAMIC). We also expect to be in the Kalispell/Whitefish area earlier that same week. We will be in Missoula and Kalispell sometime during the last 10 days of September and the first week of October.
We’re happy to announce that the Montana Insurance Continuing Education Program has approved two new webinars, which we’ve added to our curriculum:
- Insurance Claims … and Fraud has been approved for 3 hours CE credit and addresses the following topics:
- Unauthorized insurance entities
- Unfair insurance trade practices
- Claims and fraud pertaining to disasters and the following types of insurance claims: property, liability, auto, and WC
- Tips for detecting and preventing insurance fraud
- Personal Lines Coverage Issues has been approved for 3 hours of CE credit and addresses the following topics:
- Who is insured on various PL policies
- Coverage gaps in the HO and auto policies for certain types of recreational vehicles
- PL insurance policies available to insure recreational vehicles
- Property exposures best insured in inland marine floaters and policies
Our first presentations of these webinars will be held on the following dates – times shown are EASTERN time:
- Insurance Claims … and Fraud – October 29 at 11 a.m. EASTERN time
- Personal Lines Coverage Issues – December 11 at 2 p.m. EASTERN time
We’ve have 5 more insurance CE courses approved in Montana: three classroom seminars and two webinars:
- The three 4-hour classroom seminars will be presented in both Missoula and Kalispell during the week of September 22:
- 4 Must-Have Commercial Lines Coverages
- Personal Lines Coverage Issues
- Insurance Claims … and Fraud
- We will begin presenting the two 2-hour webinars in late June or early July:
- 4 Must-Have Commercial Lines Coverages – Part 1
- 4 Must-Have Commercial Lines Coverages – Part 2
We will be submitting the webinars to the state of Oregon later this month and will be submitting additional webinars in both Montana and Oregon next month.
We’ll have more details on our website sometime next week, well as in our monthly newsletter. Click here to subscribe to our monthly insurance CE newsletter.
This is a must-read book by the award-winning author of crime novels (the DI Ray McBain series), poetry, and Carnegie’s Call.
Hop on over to the website where I do my fiction stuff for a review and tips about where you can get it in paperback or for your Kindle: http://lindamchenry.com/2014/05/book-review-the-guillotine-choice-by-michael-j-malone/
We’re happy to announce that three of our insurance continuing education webinars have been approved for producer CE credit in the state of Oregon:
- Ethics and E&O: A Professional Relationship is approved for 3 hours
- Flood Insurance Training Course is approved for 3 hours
- Understanding Insurance Fraud is approved for 4 hours
As we submit additional webinars to Montana for approval, we will also submit them to Oregon.
For more information, visit our Insurance CE Webinars or Shop pages.
Our five most recent submissions to the Montana Department of Insurance were approved for CE credit for producers and adjusters:
Our webinar and classroom seminars do NOT require an exam to earn CE credit. They’re interactive and fun … considering all we do is talk about insurance!
Our self-study courses require the student to complete and pass a monitored exam. They’re not as much fun as our webinars and seminars, but they’re easy to read and understand and our exams don’t include any “tricky” questions.
Join us for a free webinar about our 2014 insurance CE and training curriculum. During this webinar, we will:
- Introduce you to our webinar format
- Discuss our upcoming 2014 insurance CE curriculum (classroom seminars, live webinars, and self-study courses)
- Discuss our upcoming insurance training products that will be available for purchase and download from our website
- Answer your questions and collect your feedback about the types of courses and products you’d like us to add to our curriculum
The actual webinar presentation will last 20-30 minutes and will be followed by a Q&A session. To register, click here.
I’d never read any of Ewan’s work before Safe House but that issue is to be remedied … and soon.
Safe House is a complex whodunit that begins when Rob Hale finds himself recovering in the hospital after a motorcycle accident. Problem is, his doctors and the authorities don’t believe him when he insists his passenger was taken away by ambulance before he was rescued. In fact, only one ambulance was called to the scene–and it transported him to the hospital.
Other complications involve the woman’s resemblance to his sister, who recently committed suicide, and the private detective his mother hired to look into his sister’s death.
Safe House is set on the Isle of Man, where Ewan lives and works as a celebrated crime writer. The setting is unique but did not overtake the story, which centers around the the motives and hidden agendas of all the characters. Although the cast is extensive, every single character is clear and sharp, and you can’t help wondering what’s really going on in the minds of each. The plot is intricate and keeps you guessing until the very end, something I don’t find as often as I used to.
This is a terrific read.
Safe House – Chris Ewan
To be released 10/29/2013 by Minotaur Books
As a follow-up to the blog I wrote earlier in the week (6 Things INDIVIDUALS Need to Know about ObamaCare), hare are 5 things businesses need to know about the Employer Mandate (“employer requirements”) under the the Patient Protection and Affordable Care Act (PPACA–commonly referred to as ObamaCare of the Affordable Care Act [ACA]):
(1) Only employers defined as “large employers” will be subject to a shared responsibility payment (a tax) if they don’t provide their employees with health insurance. For purposes of the PPACA, a full time employee works 30 or more hours a week.
- A large employer is one with more than 50 full-time equivalent employees (FTEs)
- A full-time equivalent employee is NOT a person – it’s the number of hours a full-time employee works in a calendar year (2,080 hours), i.e., 40 hours x 52 weeks = 2,080
- If the total number of hours worked by all of employees of a business in a year (including full-time and part-time employee) is 208,000, the employer has 100 full-time equivalent employees
- It doesn’t matter how many of those hours are worked by full-timers or part-timers
(2) The shared responsibility payment will be imposed on large employers under two circumstances:
- The employer does NOT provide health insurance approved under the PPACA to its employees AND at least one of those employees purchases coverage through an exchange and receives a premium tax-credit
- The employer DOES provide health insurance approved under the PPACA to its employees AND at least one of those employees purchases coverage through an exchange and receives a premium tax-credit
The shared responsibility payment is lower for large employers that DO provide coverage … and it’s calculated differently.
(3) The Employer Mandate has NOT been deferred or postponed. However, three of its provisions have been delayed. The IRS published Notice 2013-45 to explain how the delay works and refers to the process as transitional relief.
(4) Small employers are eligible for tax credits if they provide approved health insurance to their employees–and have been receiving them for some time (the PPACA was enacted in March 2010–at which time its provisions began being phased in). Eligible employers include those:
- With up to 25 full-time equivalent employees
- The average annual salary of employees is no more than $50,000
- The employer pays at least 50% of the employee-only cost of health insurance
Beginning in 2014, the tax credit for eligible small businesses will increase from 35% to 50% (for non-profits, it will increase from 25% to 35%).
(5) Here are some Web links for more information about how the PPACA affects businesses:
You don’t have to be an insurance agent to attend the A.D. Banker webinars I’m presenting on the Affordable Care Act … although you do have to pay for the presentations and CE filing fees. Cost: $27. Click this link for more information about A.D. Banker’s PPACA webinar. Upon arriving at the A.D. Banker website, click on Webinar and choose Health Insurance and the PPACA.
Click this link f you’d like to subscribe to my mailing list to be notified of about other webinars and presentations. I plan to begin presenting informational webinars about insurance to the general public before January. A nominal fee will be charged for these presentation (i.e., $5 – $10)