Monday, April 24, 2017
 

Image from page 425 of “Hardware merchandising March-June 1919” (1919)

Some cool auto finance images:

Image from page 425 of “Hardware merchandising March-June 1919” (1919)
auto finance
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Identifier: hardmerchmarjun1919toro
Title: Hardware merchandising March-June 1919
Year: 1919 (1910s)
Authors:
Subjects: Hardware industry Hardware Implements, utensils, etc Building
Publisher: Toronto :
Contributing Library: Fisher – University of Toronto
Digitizing Sponsor: Algoma University, Trent University, Lakehead University, Laurentian University, Nipissing University, Ryerson University and University of Toronto Libraries

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t of materials and thebest of workmanship go into Reliable products. Reliable products are made by Canadian workmenin a Canadian factory, financed by Canadian money.No manufactured parts are imported, and the onlyduty we pay is on a small portion of our rawmaterials, on which the duty is very low. It will pay you to stock the complete line. ManyCanadian dealers are building up a big battery busi-ness by pushing Reliable products. Dealers who have not received the new price list areinvited to communicate with any of the jobberslisted below, or to write direct to us. JOBBERS IN PROVINCE OF ONTARIO:The Hamilton Whip Co., Limited, Hamilton ; Benson-Wilcox Electric Company,London; The Masco Co., Limited, Toronto; The H. S. How land Bros. & Com-pany, Toronto; The Aikenhead Hardware Company, Toronto: Thos. Birkett &Sons, Ottawa; Keyes Auto Supply, Limited, Ottawa; Marchand & Donnelly,Ottawa; and many others throughout Canada. THE DOMINION |BATTERY COMPANY LIMITEDToronto – Ontario

Text Appearing After Image:
April 19, 1919 HARDWARE AND METAL—Advertising Section 45 How Much Is It Worth ToHave No Complaints?

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Image from page 15 of “The training of workers in trades and industries” (1920)
auto finance
Image by Internet Archive Book Images
Identifier: trainingofworker00univ
Title: The training of workers in trades and industries
Year: 1920 (1920s)
Authors: University of Texas at Austin
Subjects: Vocational education
Publisher: Austin : The University
Contributing Library: The Library of Congress
Digitizing Sponsor: The Library of Congress

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asses. For example, a WesternUnion messenger boy wants to become a telegrapher, or acash girl in a department store wants to become a sales-woman. Part-time classes should be available for them. When is the school open?—Part-time schools are heldduring working hours, on the employers time, and at least144 hours instruction must be given each year. They mayalso be held during the slack season. Where are the classes held?—Usually in the plant, shop,or factory where the student works, but always in someeasily accessible place. What subjects are taught?—Trades for which there is ademand for training. A few examples are given: Morseoperating for messenger boys; salesmanship for cash girls. Who are the teachers?—Mechanics from the trades whohave had training in methods of teaching their trade. How is the school financed ?—The State and Federal Gov-ernments pay one-half the expense of teaching, while theconcern or local community pays the other half. 14 University of Texas Bulletin

Text Appearing After Image:
Loading Timber—BeaumontEVENING TRADE EXTENSION SCHOOLS Aim.—To aid workers to become more skilled in thetrades. Who are the students?—Men and women who are work-ing at their trades, but who wish to prepare for better po-sitions. When is the school open?—Any time outside regular work-ing hours, mornings, evenings, afternoons, and off per-iods. What subjects are taught?—Any subject related to theregular occupation of the worker. A few examples aregiven: Blueprint-reading for Machinists, Carpenters, Electri-cians, Structural Steel Workers, Plumbers, Bricklayers, andConcrete Form-Makers. Estimating for Carpenters, Inside Wiremen, and Plumb-ers. Chemistry of Oils for Refiners. Distillation of Oils for Still Men. National Electrical Code for Wiremen. The Training of Workers in Trades and Industries 15 Starting and Lighting for Auto Mechanics. Chassis Repair for Auto Mechanics. Science of Milling for Millers. Sanitation for Bakers. Universal Milling Machine Operation for Machinists

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Great Benefits of A 125 Home Equity Loan

Do you know what a 125 home equity loan is? I’m sure you know all about traditional home equity loans where you can borrow money using the equity in your home as collateral for the loan. These home equity loans provide many people with cash for a wide range of uses. Of course there are other types of equity loans besides the traditional home equity loan, and the 125 home equity loan is one of these options. A 125 home equity loan lets you get even more cash than usual based on the equity in your home.

Let me first define what equity is. Your home equity is quite simply the difference in what you owe the bank still and the value of your home. For example, if your home is valued at $ 300,000 and you still owe $ 150,000 to the mortgage company then you have $ 150,000 in equity. One nice benefit is that in a rising real estate market you gain additional equity simply through the rise in your homes value.

Traditional Home Equity Loans vs. 125 Home Equity Loans
In a traditional home equity loan you are offered a loan that does not exceed the amount of equity present in your home. So, if you have $ 25,000 in equity you’re able to get a loan for $ 25,000. This loan can be used to pay for anything you want from home improvements to education or even a vacation if you choose.

The difference between the traditional home equity loan and a 125 home equity loan is in the amount you can borrow. With a 125 home equity loan you can borrow up to 125% of the present equity value in your home. In this case if you have $ 25,000 equity in your home you would be offered a loan of $ 31,250. In the past many lenders would shy away from this type of loan since part of it is unsecured and increases their risk. These days however more and more lenders, especially online lenders are offering 125 home equity loans. If you’re thinking of applying for this type of loan you should know that a high credit score will help you greatly in getting approved.

125 Home Equity Loan Warning
The 125 home equity loan is especially suited for those who need access to a large amount of money. If you are thinking of using the money to start a business or take on a large home improvement project a 125 home equity loan could meet your needs quite well.

Keep in mind that as long as home values continue to rise or at least stay stagnant you’re in little danger from this type of equity loan. However, if your home value declines your equity will decline as well and you could actually end up owing more than your home is worth.

It really depends on your needs and circumstances to determine how much sense a 125 home equity loan makes for you. As I said previously, it can be very useful for those starting a business, particularly if you expect the business to have good cash flow. It is also useful for large home improvements since they are likely to increase your home’s value and also your equity. Just be careful that you don’t overextend yourself when taking a 125 home equity loan.

To learn more about 125 home equity loan and refinancing your home mortgage please visit the authors website.

Find More Home Equity Articles

 

Nice Auto Finance photos

A few nice auto finance images I found:

Image from page 135 of “The blue and white [serial]” (1922)
auto finance
Image by Internet Archive Book Images
Identifier: bluewhiteserial13ashe
Title: The blue and white [serial]
Year: 1922 (1920s)
Authors: Asheville School (Asheville, N.C.)
Subjects: Asheville School (Asheville, N.C.) Private schools School yearbooks
Publisher: Asheville, N.C. : The Senior Class
Contributing Library: University Library, University of North Carolina at Chapel Hill
Digitizing Sponsor: North Carolina Digital Heritage Center

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Text Appearing Before Image:
any Hormiguero Central Corporation Central Patricio Punta Alegre Sugar Company Central San Ramon San Agustin Sugar Company Central Senado Soledad Sugar Company Cuban Canadian Sugar Company Trinidad Sugar Company Florida Sugar Company EUROPEAN REPRESENTATIVE: EDWARD GREY & COMPANY LIVERPOOL BOSTON NEW YORK PHILADELPHIA 10 Broad Street 111 West Street 135 South Second Street » » » » » • * • • • • • • • • ♦ ♦ ♦ ♦ ♦ «• >- ♦ v y ftft ❖t Y T . T f y * y y I ft ft 4 y y X At your service with closed or open cars at all hours $ y I y y y y y 4 I ft Y J I ft y $ y y ft y ft $ I J. L. RARDEN I y ? y y ? Wo/ « Minute Late Auto Service % ft y y y y t y t y t y t y y y y y y Y Y T Y ft t Y Y y y y t y t Y Have Your Parents Use Our Cars •§ ft , Y When in Town Y Y | y ?I YYYYYfY?Y ftI £ Asheville, N. C X*t yyyyy Telephone 431 2 N. Market St. X Y y ftY yyvyyy Yft ROBERT E. McKEE General ContractorConstruction Engineer 1900-1932 Texas St.El PasoTexas

Text Appearing After Image:
+—. . + Compliments ofthe GLASS OF 1925 +-———• i Exclusive Ready-to-Wear for Men, Womenand Children Mens and Young Mens Lounging and Dress Clothes,Furnishings and Haberdashery of the Better Kind. Golf and Hunting Togs, Hiking and Camping Clothes,Sweaters, Shoes, etc. Fishin tackle thats fit for fishin. Complete lines ofBaseball, Football, and Tennis Goods. 11 Patton Avenue Asheville, N. C. George W. Langford Company General Contractors MAIN OFFICE AT Louisville, Kentucky In the financing and erecting of office buildings,hotels and other sound building propositions _ourfinancial connections make it possible to be ofconsiderable service to owners by taking bonds inpayment of a large part of the contract price. Ourconstruction organization is unexcelled CORRESPONDENCE SOLICITED Compliments ofGEO. B. MATTHEWS & SONSNew Orleans, La. LACKNER, BUTZ & Company Mortgage Investments Bank Floor, Conway Building111 W. Washington St.Chicago Illinois Municipal Bonds ARE TOTALLY FRE

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Image from page 374 of “City documents. Municipal register, mayor’s address, annual reports, etc” (1894)
auto finance
Image by Internet Archive Book Images
Identifier: citydocumentsmun1918newb
Title: City documents. Municipal register, mayor’s address, annual reports, etc
Year: 1894 (1890s)
Authors: New Bedford (Mass.)
Subjects: New Bedford (Mass.) — Politics and government
Publisher: New Bedford, The City, Printed by the Baker Mfg. Co
Contributing Library: Claire T. Carney Library, University of Massachusetts Dartmouth
Digitizing Sponsor: Claire T. Carney Library, University of Massachusetts Dartmouth

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pig PARK DEPARTMENT FINANCIAL REPORT New Bedford, Mass. December 1, 1918. To the Board of Park Commissioners : The Twenty-fifth Annual Financial Report ofthe receipts and expenditures of the department ofparks, for the year ending November 30, 1918, whichI have the honor to submit contains in detail, inform-ation regarding the finances of the department in-cluding the receipts, expenses, and disbursements ofthe Park Commission, and affords in this summary,which is given herewith, an opportunity for thosewho are interested in parks, and their managementand maintenance, a correct explanation of all moneysprovided by the taxpayers for the past year, and thesame is hereby submitted to our citizens for their con-sideration.

Text Appearing After Image:
P20 PARK DEPARTMENT Financial Statement for the Year Buttonwood Park ,902.42 Hazelwood Park 2,792.13 Brooklawn Park 7,785.13 Triangle Park 50.00 Common 7,847.37 Office 4,857.18 Ashley Park 1G0.80 Bridge Approach 1,112.68 Grove Park 2,482.82 Balance on hand 9.47 Transferred to unappropriated Funds (see City Auditors Balance 718.80 ,718.80 Receipts Appropriation ,000.00 Sale of milk 112.59 Rent, (cafe privileges) 150.00 Sale of Vegetables 376.21 Sale of wood 80.00 ;718.80 Office Expenses and MiscellaneousExpenditures Superintendent and Clerk ,369.73 Telephone 124.17 Supplies 119.44 Auto Rent, repairs, gasoline, etc 553.08 Printing 60.45 Annual Report 124.00 Traveling Expenses 345.51 Painting Office 55.07 Miscellaneous 105.73 ,847.18

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Street Physician

Some cool offer residence photos:

Street Doctor
sell house
Image by LSE Library
From ‘Street Life in London’, 1877, by John Thomson and Adolphe Smith

The topic of the accompanying illustration is a merchant of coughing lozenges and treating cream. He had been originally a car-driver utilized by a strong inside city, but must leave their situation due to failing sight. Their story, informed inside the very own terms, can be as employs :-

"First of all of the I had to go out of my place on account of bad sight. It absolutely was brought on by exposure to the cool. Infection set-in the best attention and very quickly affected the remaining. The health practitioners labeled as it ‘atrophy.’ I decided to go to St. Thomas’s Hospital for nine months, to St. George’s Hospital, and also to Moorfields Opthalmic Hospital. From St. Thomas’s Hospital I happened to be delivered to the sea-side at the expense of the Merchant Taylors’ business. No good arrived of it all, and also at last I happened to be so blind that I experienced to-be led about like a young child. At that moment my spouse worked with her needle along with her arms maintain things going. She used to do charing throughout the day and stitching through the night, shirt-making when it comes to buddy of a woman who struggled to obtain a contractor. She got twopence-halfpenny to make a shirt, and also by sitting till 2 or 3 each day could finish three shirts at a stretch. We endured at a street place into the New Cut attempting to sell fish, together with to trust a great deal to your sincerity of my consumers, as I couldn’t see.

"At this time around I fell in with a guy attempting to sell cream, he provided me with a box, that I useful for my eyes. I used the ointment about a month, and found my picture slowly going back. The guy whom makes the ointment offered to set me up operating together with his products. I had no cash, but he provided me with every little thing on trust. It had been a good thing for both folks, because I happened to be a kind of standing advertisement for him as well as myself.

"I today make a comfy living and also have an excellent stock. As soon as the manufacturer of the ointment began he carried a tray; now he has got three vans, plus than fifty people offering for him.

"I get the most of my customers on the street, but I am now making an exclusive connexion home of men and women from all areas of London. The values the Arabian Family Ointment, which is often useful for chapped arms, mouth, inflamed eyes, slices, scalds, and lesions, are from a cent to half-a-crown a box. Medicated coughing lozenges a halfpenny and a cent a packet."

For full story, also photographs and commentaries, follow this website link and click through to the PDF file at the bottom for the information
archives.lse.ac.uk/Record.aspx?src=CalmView.Catalog&i…

Image from web page 449 of “The digressions of V. : written for his own enjoyable hence of his buddies / by Elihu Vedder ; containing the charming legends of their infancy, a merchant account of their stay-in Florence, the yard of missing opportunities, return home regarding the trac
sell home
Image by Internet Archive Book Images
Identifier: digvwr00vedd
Title: The digressions of V. : written for his own enjoyable and that of their friends / by Elihu Vedder ; containing the quaint legends of his infancy, a merchant account of their remain in Florence, the yard of missing opportunities, return home regarding track of Columbus, their battle in nyc in war-time coinciding thereupon for the nation, his extended stay static in Rome, and likewise their prattlings upon art, tamperings with literary works, struggles with verse, and several other stuff, being a portrait of himself from youth to age ; with several pictures by the writer.
12 Months: 1910 (1910s)
Writers: Vedder, Elihu
Subjects: American Art
Publisher: Houghton Mifflin Company
Adding Library: Whitney Museum of American Art, Frances Mulhall Achilles Library
Digitizing Sponsor: Metropolitan Ny Library Council – METRO

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s the attention. This propensity, which unduly cultivatedmight lead me personally into the extravagant, is held under control by my senseof humour, and contains enabled me in certain cases to tread with protection thatnarrow course lying between the Sublime and the Ridiculous, —the course of commonsense, which in its turn is dangerously nearto the wide highway of Commonplace. There’s anotherthing — the ease with that we can conjure up visions. This fac-ulty if cultivated would soon enable us to see as realities mostdelightful things, nevertheless the response will be beyond my controland would undoubtedly follow and make certain to create photos of hor-ror indescribable. Various experiences demonstrate me personally that thatway insanity lies; and thus, while We have rendered my paradise WILLIAM BLAKE 409 somewhat tame, at the least my Hell continues to be quite endurable. Thusit comes that Blake can walk with pleasure and keep their men-tal health in an atmosphere which may show fatal to me; andthus I am not suited to pass a judgement on him — but I’m able to at

Text Appearing After Image:
THE HARDON-GIVING AND IMPLORING HANDS the very least offer a little account that might assist do away with that ideathat he was crazy. My pal Ellis was a guy saturated with Blake. The twolarge volumes, William Blake, by Ellis and Yates, testifyto this. He said long-ago in Perugia which he after that thought hehad discovered the key to Blakes wonderful and interminable mysticpoems. I confess, with the biggest love and veneration for theman and artist, these lengthy poems tend to be to me a veritable Slough of 4io THE DIGRESSIONS OF V. Despond; that in wading through all of them, once I believe We havegained a company foothold, it sinks from under me personally, while Ellis goesskipping from hummock to hummock and seems to come out dry-shod at farther part. But, if Blake is ever before becoming inter-preted, those two men are really the only people whom give a promise ofsuccess. It can just take forever to essentially realize Blake; andwhat if most likely it will grow to be — not. Since I havemade a book that sells, i’ve often been as

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Image from web page 138 of “Sargasso” (1920)

Several nice auto loan pictures I found:

Image from page 138 of “Sargasso” (1920)
car loan
Image by Internet Archive Book Images
Identifier: sargasso1920koko0
Title: Sargasso
12 Months: 1920 (1920s)
Authors: Kokomo High School (Ind.)
Subjects: Kokomo High School (Ind.) High schools School yearbooks
Publisher: Kokomo, Ind. : Kokomo High-school
Contributing Library: Allen County Public Library Genealogy Center
Digitizing Sponsor: Internet Archive

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Text Appearing Before Image:
definition for food digestion?Daisy D.—Digestion is if you consume one thing without one causing apain. Mr. Balcom, overall Science—AVhat could be the using starch in a potato?Marie Oakes—To make the potato stiff. THE BOYS USUALLY TAKE ACTION Mr. Wilson, in assembly—If Geo. Carr truly didnt place that report, theboy which did so and would not confess once I informed George he could leave theroom, is both not a gentleman or is a coward. (For Mr. Wilsons benefit)—Esther Carter tossed it. Wallie Elson—Loan me fifty dollars until Saturday, will you?Rob Williams—Sure, but keep in mind G-I-V-E doesnt enchantment loan. FRANK has actually ENOUGH TO CARRY Pete Cotterman—This Frank Costello may be the laziest man I previously saw.Miss McCune—What makes you would imagine therefore? Pete i simply saw him allow his publications slide along the banister in the place of carry them along the stairs. FOLLOWING INSTRUCTIONS Gilbert—the reason why do you butt that fellow in the stojuach ? Bad-eye Neuman—Really, you told me to utilize my head playing. A hundred thirty-two

Text Appearing After-image:
New Stries Haynes Suburban—seven passengers.Cord tires and wood wneeLi standard equipmenton all six cylinder ca> s. Cord tires and Jive wirewheels standard gear on all twelve cylinder on all six-cylinder ca> s. Cord tires mi-wheels standard equipment on all twelvcars. Disc wheel.* optional equipme:charge, on all designs. This ad cotyriuhted, 1 20, by The Haynes Automobile business the brand new Series HAYNES SUBURBAN A PPRECIATION of the very ad-vanced modern flavor in closed carsis expressed within the new series sevenpassenger Haynes Suburban, the ultraluxurious, dualtype shut car, whichaffords the distinctiveness of a chauf-feur-driven equipage whenever desired, aswell because the congenial family environment of an ownerdriven car. This might be attained by the loweringof the platcglass partition, making theentire interior an individual compartment.The motorists chair and forward divi-sion tend to be cut in genuine leather;the rear storage space, along with its large, loungclike seat and roomy auxi

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Image from page 219 of “The Street railroad diary” (1884)
car finance
Image by online Archive Book Images
Identifier: streetrailwayjo231904newy
Title: The Street railway journal
12 Months: 1884 (1880s)
Writers:
Subjects: Street-railroads Electric railroads Transportation
Publisher: New York : McGraw Pub. Co.
Contributing Library: Smithsonian Libraries
Digitizing Sponsor: Smithsonian Libraries

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mber of151, have-been operating since Nov. 15, 1903, with a brand new typeof third-rail footwear, that has been on trial for the past eightmonths with extremely satisfactory results. The shoe varies radic-ally from slipper type, which, with various adjustments,is applied to all the other third-rail roadways and which was additionally em-ployed on Boston elevated until superseded by the newform simply adopted. The main new feature in our Boston footwear is thesubstitution of spring force for gravity in creating contact.The equipment, full, contains a short, level bar of metallic,with two right-angle bends at each end, two wrought-ironhangers where finishes of this bent metal club sleep, an ironstrip for uniting the two hangers electrically, and a thinelliptical metallic springtime for keeping the ends of the shoe in thehangers. The connected body weight of the components is all about 28 lbs.The weight of the going parts alone regarding the old footwear had been about25 lbs. In the method for the new footwear the soft-steel club with

Text Appearing After-image:
French Lengthin Miles. Period of Cablein Miles. Body weight of Copperin Tons. Costin Dollars. Street Railway work Lighting 45120 190 555 840 830 800,0001,100,000 complete 165 745 1670 1,900,000 the sum total cost of cables and cable laying had been ,900,000. Themechanical gear of the two flowers, ,200,000; for thesub-stations, 0,000, and for the power-plant structures,,040,000. The full total cost had been ,800,000, of which ,000,000was when it comes to illumination plant. These figures represent the initialcost, and some associated with the cost that the cityauthorized the Kr. 285,000,000 loan. The Tamaqua & Lansford Electric Railway expansion toMauch Chunk has triggered the vapor roadway to discontinuethrough trains from Mauch Chunk to Pottsville, NEW SHOE ON BOSTON ELEVATED CAR which connection with the train is manufactured is the essential component. This club,before it is bent, actions 23 ins. long, 3^ ins. broad, andYz in. thick, and weighs ioJ-2 lbs. After becoming bent into theproper form a channel is forged when you look at the flat p

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Carter Buton Album Loan_00041
car loan
Image by San Diego Air & Area Museum Archives
From a record album owned by barnstormer/daredevil Carter Buton.

Repository: Hillcrest Air and Space Museum Archive

 

Do You Need Identity Theft Insurance? And What Is It Anyway?

With the serious nature of identity theft, many people are turning to identity theft insurance as a method of protecting themselves from the ramifications resulting from this crime. But what exactly is identity theft insurance? Do I really need it and how much will it cost me?

Identity theft insurance coverage varies in coverage, deductible and costs, just like many other forms of insurance. In most cases identity theft insurance will cover lost wages due to time taken off work to correct or repair damages due to identity theft. However, this coverage often carries a limit, in the approximate amount of $ 2,000.00. The Privacy Rights Clearinghouse estimates that victims spend on the average the equivalent of 22 work days trying to correct the damage from identity theft.

Identity theft insurance usually also provided benefits coverage for: attorney fees (which may or may not be necessary); notarization of documents, mailing, postage, supplies, copy costs, and phone bill charges which you may incur in an effort to correct the damage done to your credit and financial reputation.

Critics of identity theft insurance claim that it is “not worth the money,” (Consumer Reports magazine, as reported on MSNBC.com) or that it does not provide enough benefits. The concerns include: identity theft insurance does not provide reimbursement for money that is stolen or for identity theft expenses that occurred because of who the “thief” was. Most commonly a family member is the culprit in the case of identity theft and in that instance most insurance does not pay benefits. A word of caution by The National Association of Insurance Commissioners is that insurance “cannot protect you from becoming a victim of identity theft and does not cover direct monetary losses incurred as a result of identity theft.” Although, an unfair criticism, some conclude that the purchase of identity theft insurance may create a false sense of security, thus consumers may not be as careful with their credit and financial information.

The cost of identity theft insurance cost varies on both the coverage and how you obtain your insurance. Identity theft insurance can range from free to approximately $ 200.00 a year depending on how you have purchased it. There are three main ways to obtain identity theft insurance:

– As a provision in your homeowners or rental property insurance
– As a service of your credit card company, bank or lender
– By purchasing it as an individual–“stand alone” policy

The first step in obtaining identity theft insurance is to contact your banks, credit cards, lenders and insurance providers. Determine what coverage you have, how much it will costs to add additional coverage or to add identity theft to an existing policy and get details of the existing provision if it exist. You may need to purchase it as a “rider’ or extra to your existing policy much like purchasing flood or earthquake insurance – but not as expensive.

In some cases credit lender; such as the credit card company, mortgage or other loan provider, provide identity theft insurance. This coverage may be free or it may require a yearly service fee through the lender. For example, American Express provides some form of identity theft insurance to its card holders free of charge; MasterCard offers it through the specific banking partners and VISA may do a combination of both options. One word of caution, make sure that the identity theft insurance covers all your existing credit, not just the one card associated with the coverage. If it only covers one card, that what happens to the remainder of your credit?

One other option is to purchase your own “stand alone” policy through most of the major insurance providers such as Nationwide, State Farm, and/or Farmers Group. If you are not using a “major” player in the insurance field be sure that the company you are purchasing from is reputable. Sometimes these are the most dangers purchases of all as they may be an effort to gain your credit information for the sole purpose of identity theft. If your insurance provider bills this coverage monthly, be sure to multiply the monthly cost by 12 to determine the yearly costs. Most importantly make sure to keep your coverage current.

Another consideration when utilizing identity theft insurance is the level of deductible. Generally the range from $ 100 to $ 250, but some may be as high as $ 1,000. The Federal Trade Commission estimates that the average victim spends less than $ 1,500 to recover from identity theft so it important to do the math and determine if your insurance premium plus deductible is a good value as well as provides the right level of protection for you and your family.

Nothing can protect you completely. It is important to follow all the basic rules for protecting your credit, identity, and financial information like: keeping your personal and credit information in a safe place, not releasing the information to others and shredding all documents. But it is also good to know that you can also have for free or purchase additional assistance in the form of coverage and monetary support during one of the most difficult financial times in your life.

Finding out about damages to your identity and credit is just the beginning. After that begins the time consuming and often frustrating process of repairing the damage and correcting the mistakes. Identity theft insurance may be your choice to help you through this expensive and frustrating task. Make sure you know what options and coverage are available to you.

Lisa Carey is a contributing author for Identity Theft Secrets: prevention and protection. You can get tips on Identity theft protection, software, and monitoring your credit as well as learn more about the secrets used by identity thieves at the Identity Theft Secrets blog