ID Theft In 2013: The 4 Ways Thieves Are Becoming You

Identity theft is not a new concept, but it is an ever evolving crime. In today’s modern world, we’re more likely to share our information with others, sometimes without even realizing it. We share our personal data on apps, social networks, at the store, and more, and thieves are taking notice.



While the upcoming movie, Identity Theft, provides a lot of laughs, having your identity stolen in real life won’t exactly inspire the giggles. We took a look at four popular ways thieves are stealing your information and your identity in 2013 and how you can help yourself avoid them:

 

Phishing

Phishing is a term that many of us have heard, but one that not everyone understands. Phishing is when someone tries to steal you information from you through a seemingly safe or familiar site or program. Have you ever received a Twitter DM along the lines of this one: “Someone was saying mean things about you…” with a shortened link? Scams such as this one, and many similar ones on Facebook, are phishing scams to get your information. Email phishing is another popular way for people to get your information. The Better Business Bureau helps consumers learn to identify and avoid phishing emails with their simple guide.

 

How to protect yourself:

  1. Avoid personal passwords. When passwords have personal significance, they can be easier to guess, especially if you base it on something you share on a social profile, like your pet’s name.
  2. Let your friends know about suspicious activity. If you receive an odd message from a friend, give them a call or contact them through another service to check in and verify the message.
  3. Don’t click. Often you’ll find that phishing communications feature a link. Don’t click the link. Instead, contact your bank, friend, or other entity contacting you to verify the communication.

Nosy Neighbors in Line

That person standing too close to you at the store check-out might not just have personal space issues…they could be stealing your information. Thieves now peer over shoulders and more to get personal information, like your PIN number, while at the store.

 

How to protect yourself:

  1. Use cash or credit when possible. While cash keeps you from entering in any information, you may not be comfortable carrying it with you. If that’s the case, use your credit card instead of your debit card to avoid putting in any personal information in front of your line neighbors.
  2. Request your personal space. Don’t be afraid to ask the person behind you to give you a little space. While you may feel a bit rude asking the question, 30 seconds of discomfort is easier to deal with than dealing with stolen information. Ask politely and in a friendly manner to help the situation be a little less awkward.
  3. Cover your digits. We’re not talking about gloves on your fingers, but instead about covering the digits on the PIN keypad. Turn the machine away from your neighbors or cover it with your hand as you enter your personal PIN.

Dumpster Diving

You may not think twice about throwing that credit card offer straight in the trash, but an identity thief may find it to be a golden opportunity. Thieves can fill out such offers that came to you with your information, then use the account for their own purposes. When you throw away personal documents as well, it’s a golden opportunity for a potential thief to dig through your trash, finding all of your personal information.

 

How to protect yourself:

  1. Invest in a shredder. Shredding your personal documents and mail can help prevent someone from stealing your information, or at least make it more of a painstaking process.
  2. Look into local disposal services. Some cities and towns offer monthly or weekly disposal options for personal documents, shredding or incinerating them for you.

 The Photocopying Phenoms

While this may sound like a horrible name for a sports team, photocopiers are a common bunch in today’s connected world. When handing over your information or card to a server at a restaurant or a clerk at a business, you put your personal information in their hands–They could take it straight to a photocopier or scanning app and steal your card information.

 

How to protect yourself:

  1. Pay in cash or credit. Again, these two methods of payment are safer than putting your debit card and bank account at risk.
  2. Keep an eye on your card. While at the counter, keep a close watch on your card. If your card never leaves your sight, it’s less likely to get swiped through a secondary machine or photocopied.

While these tips and tricks can help you protect yourself during your day to day, Identity Theft Protection is a layer of security that keeps on eye on your credit for you 24/7, just in case something does happen with your accounts. Protect Your Bubble will offer ID Theft Protection in March 2013–We’ll be bringing more information to you soon about how it can help you keep your identity secure.

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3 Experts Weigh In: How To Get Cheap Rental Car Insurance

cheap rental car insurance lineIf you’ve had a look at your personal auto insurance policy and realized that you need a little extra coverage while you drive a rental, the last thing you want to do is pay too much. While it’s extremely important to protect yourself from the financial mishap that can occur with a damaged or stolen rental car, you also need to make sure you aren’t spending hundreds of dollars on redundant or ineffective insurance. Here are 3 brief tips from respected financial gurus on how you can save your money, and your sanity, when shopping for cheap rental car insurance:

 

Dave Ramsey

One of the most respected financial advisors in the United States, Dave Ramsey suggests that you get a thorough breakdown of your existing auto insurance policy and then purchase only the bits you need to cover your car rental.

 

For example, most people have excellent liability and personal accident insurance through their existing policies, so there’s no need to shell out an extra $15 a day on bonus coverage through the rental car company. There are other places you can trim the fat as well, such as the personal effects coverage. While it’ll only cost you $2-5 a day extra, you don’t have a need to insure any of your belongings against theft if you aren’t carrying around anything ultra valuable. So leave your tablet in the hotel room and you can forgo this little add-on to your rental car policy.

 

Carolyn Gorman

Carolyn, the vice president of the Insurance Information Institute in New York, recommends that renters check with their credit card companies about rental insurance coverage. Many companies offer car rental insurance as a premium service to their customers if you charge the rental on your credit card, negating the need to purchase your own policy. Just make sure you understand their terms and limitations before picking up your rental car keys, so you don’t get blindsided by any charges down the line.

 

Suze Orman

All around financial expert Suze Orman recommends that you apply the same criteria to your rental car insurance that you do with your personal automobile policy. That means you insure yourself on things that are an absolute necessity, such as collision coverage, but you don’t automatically spring for the lowest deductible, highest premium policy. You’re getting that insurance coverage to protect yourself against your rented Honda getting destroyed in traffic, or getting stolen out of a Jack in the Box parking lot. Most rental car insurance policies don’t have deductibles, but if you do find yourself with that option, you can potentially save a few dollars by knocking down the daily cost of your rental premium, and just pay the deductible on the rare chance that serious misfortune strikes.

 

If your personal car is a used vehicle with a less than comprehensive insurance package, then you’ll definitely want to consider rental insurance, just so you don’t end up paying thousands of dollars in repairs on something that you were only renting for a couple of days. If you’re looking for affordable insurance to take away that worry, check out Protect Your Bubble’s rental car insurance rates and see how we can help you.

 

Photo credit: Photo Credit: Cote from Flickr

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Watch out, Samsung, Apple: BlackBerry comes back With BlackBerry 10

When is the last time a friend mentioned a BBM? BlackBerry, though a beloved phone for the business world, fell out of the spotlight in recent years as the iPhone, Samsung Galaxy S series, and even Windows phones took over the smartphone market. Though they may have fallen out of center ring for a spell, BlackBerry is coming back with a vengeance as they introduce BlackBerry 10 next week.

 

In December, Protect Your Bubble took at the rumors swirling around BlackBerry 10 and the various launches involved in the new OS. Since that analysis, a lot more information has been leaked about upcoming BlackBerry devices and their features. Here are our top 3 predictions/expectations for the January 30 announcement:

 

1. The Blackberry Z10 and BlackBerry X10 will be the two devices announced at the event.

Okay, okay, so it’s not like these two devices were top secret. The BlackBerry 10 launch does not appear to target the same shroud of mystery as a Samsung or iPhone launch; images, specs, and more have been so widely leaked about the BlackBerry Z10 and X10 that these devices seem almost guaranteed.

 

2. The BlackBerry Z10 will be a middle ground between the S3 and the iPhone 5.

The rivalry between Apple fanboys and the apostles of Android is about as friendly as when a New York sports franchise faces off against a team from Boston. With the flagship devices of each enterprise constantly being compared, we can see why the suspected specs of the BlackBerry Z10 fall as a perfect compromise between the two.

 

 

With so many leaks about the Z10, including this video comparing the device to the iPhone 5, specs seem to be fairly well known. Size wise, the Z10 will feature a 4.2″ screen, right between the 4″ iPhone and 4.8″ S3. The Z10 will go on to pull the best from each lineage, featuring a removable SD card and battery like the Samsung smartphones and a voice-activated “personal assistant” like Apple’s Siri while also pulling in elements from other smartphone greats, as BlackBerry 10 OS is expected to function much like the Windows smartphone OS does now.

 

3. The “L-Series” will feature more than just the Z10 and X10.

While two new smartphones is already a big reveal for BlackBerry, RIM is still expected to release, or at least mention plans for, other devices in the L-Series at the January 30th event. We’re hoping to see a new tablet in the mix, as rumors of a device nicknamed “Blackforest” have been circulating the web and the new OS is based on a system designed for tablets. Some sources have gone as far as to say that the new line will feature a total of six new devices.

 

Do you think BlackBerry will be able to solidify itself again as a top dog in the handset market? Weigh in with your thoughts on our Facebook page.

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“Warranty on iPhone? Yes, please!” 3 Reasons You May Want to Consider Getting a Warranty for Your New iPhone5

If you’ve just outfitted yourself with Apple’s flagship device, the last thing you probably want to do is spend any additional money on it. But if you’re worried about the turbulence of life and how it may affect your new phone, you’ve undoubtedly realized how much you’ll have to shell out for a replacement in the worst-case scenario. Here are 3 quick reasons why you should get an additional warranty or insurance policy for your new gadget:

 

  1. If You Use Your Phone For Work, You’ll Want Backup Coverage
    Smartphones have become common in the workplace, and in 2013 they’re poised to become increasingly important for daily functions. If you need email, internet, blogging, and social media functions at your fingertips all day long for work purposes, then you don’t want to put yourself at an extreme disadvantage if your iPhone meets its maker prematurely. With the right coverage, you can get a replacement phone the next day, rather than visiting a retailer, wireless carrier, or Craigslist and spending $600 for a new one.
  2. Apple’s Traditional Warranty Only Covers The Things Least Likely To Go Wrong
    While it’s nice to know that any genuine hardware or manufacturing defects will be covered for an entire year after your purchase, there’s still a lot that can happen to you beloved iPhone that the basic warranty doesn’t even touch. Theft, loss, water damage, cracked screens, and dozens of other mishaps are waiting to inflict themselves on your new gadget. An additional warranty or insurance policy will protect you from the more serious threats out there.
  3. More Protection Will Give You The Peace Of Mind To Actually Use Your iPhone
    It’s inevitable that you’ll treat your device with kid gloves when you first get it. The iPhone 5 is an incredible marvel of modern technology: it’s sleek, futuristic, and combines the greatest technological advances of the last 2 decades into something that fits in your pocket. It’s just a great thing to have, and your first instinct will be to keep it as pristine as you possibly can. However, this motherly instinct may actually keep you from getting the most use out of your phone. It’s hard to treat it like the versatile tool it is if you’re constantly worried about scratching the screen or accidentally introducing it to a scalding mocha. Having a little extra coverage will let you relax a bit and start to test the limits of your phone.

 

For the cost of 2 mochas a month you can provide additional coverage to your device that protects you against the unforeseen accidents (like dropping those 2 mochas on your phone!).

 

Have we got you convinced yet? If so, take a look at everything that Protect Your Bubble’s iPhone insurance policy includes.

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Valentines Day Dog Treats for Your Favorite Canine

The Protect Your Bubble Team is filled with animal lovers, and we wanted to bring something extra special to BarkWorld Expo this past fall. In addition to great information on our pet insurance and pet health expenses, we also wanted to give pet parents something to enjoy when they got back home from conference with a special recipe for dog treats.

 

Baking for your pets

Baking for your pet is a cost effective, fun way to show them how much you care and homemade treats make great gifts year round for your pooch and their friends. While our “Pumpkin Squeaks” feature one of fall’s favorite foods, pumpkin, these delights can be shared year-round, including around Valentine’s Day.

 

How to make Valentine’s Day dog treats for your pet

To make Valentine’s Day treats for your dog, start out with making the “Pumpkin Squeaks” mixture:

 

Ingredients
2 cups rice or potato flour
1/2 cup natural peanut butter
1 cup pumpkin puree
2 eggs
1 1/2 tsp cinnamon

 

Directions
Preheat your oven to 350 degrees F. Mix the ingredients together in a large bowl until blended, then spread the dough to around 1/4 inch thick and cut it into desired cookie shapes. Use hearts, valentines, and other festive shapes to make these treats a Valentine’s Day themed present for your dog. Bake the cookies for 10-15 minutes then let cool before serving.

 

Tell us about your dog treat baking experience!

Pans of dog treats from Protect Your Bubble Pet Insurance about to go into the oven

Lisa made her Pumpkin Squeaks in bone shapes for her dogs, Gina and Sanchez.

We’ve heard back from several conference attendees and other Protect Your Bubble friends who have made these treats, including Lisa from Through a Dog’s Ear (You can read about Lisa’s baking experience in her blog post).Have you made treats from the Pumpkin Squeaks recipe? If so, we’d love to hear how it went! Share your experience in a comment here, or share a photo on Facebook, Twitter, or Instagram with the hashtag #pumpkinsqueaks.

 

Photo courtesy of Through a Dogs Ear

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Samsung Galaxy S4 Price Rumors Unleashed

Is the Galaxy S4 pricing set to follow the same patterns as the Galaxy S3?

We all remember the fanfare and excitement around Samsung’s Galaxy S3 release in May of last year.  By September of 2012 Samsung sold over 20 million units – At one point, sales were even reaching over 200,000 per day according to Mashable.  Price became a major factor for the Galaxy S3 as it competed with other devices. When Google unveiled the Nexus 4, fully loaded with Android 4.2 Jelly Bean, the latest operating system at the time, they did so at a fraction of the price of the S3. Smartphone users could get almost the same specifications of the S3 in the more affordable Nexus 4,  allowing the newer device to attract some of the potential S3 buyers looking for a more economical option.

pink piggy bank

Will the new Samsung Galaxy SIV price break the bank? Protect Your Bubble investigates price rumors.

So far, the Galaxy S4 release has followed similar patterns to the Galaxy S3; both devices were rumored for CES releases, but skipped making a full appearance at the conference. There are plenty of rumors out on the market about what features the new phone will display (see which S4 rumors Protect Your Bubble has already debunked), making the Galaxy S4 sound like a great step in innovation, just like its S3 predecessor. How many of those features will be overshadowed by the Samsung Galaxy S4 price? Will the S4 follow the same price struggle as the S3?

 

Off Contract Price Rumors

The S3’s breakout price in May of 2012 was $800 off contract, and the Samsung Galaxy S4 price isn’t expected to fall far from the tree. The general price consensus on the web places the Galaxy SIV price at around £499 (according to ExpertReviews) or $799 – $850 USD.  While historic and current behavior seem to have Galaxy S4 following the same trends as the S3, Samsung could go for a more competitive price to help the new smartphone beat out other devices hitting the market, including the expected Apple iPhone 6.

 

In Contract Price Rumors

You can pick up an S3 today in the US, on contract with the major carriers, for around $199.  While no pricing has been confirmed for the Galaxy SIV, GottabeMobile has placed a bet for on-contract S4 pricing to be a similar $199.99, though some sites speculate pricing as high as $260 with a two year contract. Price ultimately will depend on carrier negotiated rebates and new product launch deals.

 

Pricing and fanfare are the name of the game when it comes to new product releases for high end devices like the S4. Though all speculation revolves around Galaxy S4 pricing rumors for now, Protect Your Bubble will continue to look at rumors to bring you the latest in news on the highly awaited SIV.

 

Photo via Senior Living on Flickr

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Samsung Galaxy S4 Release Date

Recent rumors suggested that the Samsung Galaxy S4 release date would be announced early at the CES 2013 conference. As we all know, often times rumors stay just that, as is the case today.

 

What actually happened with the Galaxy S4 at CES 2013

The S4 was not present at CES for the general masses, but was rumored to be there behind closed doors where A list attendees could take a first look, and some of its possible features were discussed. (Sorry Ben, I guess you didn’t make the cut while at CES!) So when and where will the fabled Samsung Galaxy S4 surface for non-A listers?

 

Samsung website lists mysterious model number

GT-i9500… could this be a bait and switch? This new model number was introduced on the Samsung website, but no reference to a Galaxy S4 was mentioned. Maybe this is Samsung testing the waters to see if this GT-i9500 is worthy of the Galaxy S4 moniker. The Galaxy line has become the flagship model for Samsung, so maybe this trickery is being used to add curiosity and mysticism around the highly anticipated model.

 

Could this be a leaked Galaxy S4 image?

Possible leaked image of the Samsung Galaxy S IV Smartphone Prototype

Could this be the New Galaxy S IV? Rumor has it that this leaked image is the smartphone's prototype.

While Samsung appears to have confirmed the new gadget through a leaked image of the S4 prototype, the Samsung Galaxy S4 release date is still without an official announcement, experts agree that this model won’t launch before May, what still isn’t clear is what Samsung has up its sleeves in the technology department that will make the next Galaxy S4 a worthy successor of the Galaxy line.

Image via Google Images.

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Samsung Galaxy S4 Specs That Will Never Come to Fruition—And Other S4 Rumors Debunked

Ever since the Galaxy S line hit 50 million sales in 2012, Samsung has been respected as a heavyweight in the smartphone arena. When the Galaxy S3 was first announced, the Internet was set ablaze with rumors, leaked images, spec predictions, and dreamy wish lists—and Samsung’s upcoming S4 is making an even bigger impact, dominating the tech world and consumer gadget websites with news of its impending release.

 

With so many people thirsty for new information about Samsung S4 specs, it is inevitable that a few recently speculated features and release dates have turned out to be nothing but a mirage. While we wait for Samsung’s newest flagship to finally debut later this year, here are 4 Samsung S4 rumors we can safely dismiss at this point.

 

  1. The Galaxy S4 Will Not Have a Flexible, Unbreakable Screen
    Possibly everyone’s favorite and most hoped for feature, it’s unfortunately certain now that the S4, while having an incredibly sharp 1080p display, will not have a futuristic screen that can be twisted, stretched, pulled, and dropped like a high tech rubber ball. Tech Radar has the news here, credited to a source from the Verge. Although it’s rumored that the flexible screen technology will be debuted at CES in Las Vegas later this month, you won’t be seeing it attached to Samsung’s newest Galaxy smartphone, at least not this year.
  2. Samsung Won’t Be Releasing the S4 Before May 2013
    While most people knew at this point to not expect a first quarter 2013 release, rumors abounded that April would see the newest Galaxy hit the open market. But according to Ubergizmo, Samsung has officially stated that May 2013 would be the absolute earliest for a projected launch date, with many people anticipating a push until even later in the year.
  3. The Current Leaked Image of the S4 Will Not Likely Be its Final Form
    Gizbot reports that a Samsung official has confirmed that a leaked image of the S4 is in fact genuine, but reminds everyone that many images of the Galaxy S3 popped up on the web in the months preceding its release, with many of them not truly resembling the final product. A larger display is expected of the S4, which the image confirms, but it’s probably wise to heed Gizbot’s advice and look at the photo as one possible link in the developmental chain that will ultimately give birth to the next Galaxy S.
  4.  The Galaxy S4 Will Be Available at CES 2013, but Only to Certain Executives
    Citing Samsung’s penchant for giving each Galaxy S its own specialized debut, most people were hopeful but not expectant for an S4 demo to be at Las Vegas’ CES for 2013. And while that’s still going to hold true for all of the masses in attendance, Phone Arena has recently confirmed that a prototype of the Galaxy S4 will be shown at CES this year, just under lock-and-key, and only available for the eyes of a few choice executives. The rest of us will still have to wait until spring before we get an official look at the real product, but the fact that a demo will be available this month makes us more confident in the possibility of a May 2013 release.

Samsung’s Galaxy S line has always been known for its hardware durability, and hopefully the S4 specs won’t disappoint as it continues that trend. But if you’re concerned about the prospect of your new Galaxy taking a hard fall, or offering too tempting of a target to a pickpocket, our smartphone insurance can give you piece of mind, and guarantee that your Samsung will be with you as you await the release of the Galaxy S5 and beyond.

 

Photo Credit: Matt Erasmus

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Looking Forward to CES 2013

Hello Gadget Enthusiasts!

 

First, I hope everyone had an amazing and safe holiday season with friends and family.

 

Many people choose to welcome a New Year with a special event, a new outlook, or a new hobby. To ring in the New Year of 2013, I plan to represent Protect Your Bubble by heading to one of the largest and most respected gadget events of the year: The Consumer Electronics Show in Las Vegas. I can’t wait to journey to CES 2013, the Mecca of all Consumer Electronics Trade Shows, to see and be seen, and to visit with our partners!

Youtube leads a keynote at CES 2012

The YouTube team lead a keynote at CES 2012 along with many other innovative groups and individuals.

The Consumer Electronics Show will not be my first trade show in Vegas, but it will be the largest one that I’ve been to there. CES is synonymous with amazing product launches for some of the coolest gadgets on the planet, such as the iPod, iPhone, numerous television designs including HD TVs, 3D TVs, and Smart TVs, motorized roller skates, and futuristic flexible touch panels (like in Minority Report).You can check out their Innovation Award winners to see which gadgets will receive a nod this year.

 

I’ll be sure to takes notes of the coolest gadgets I see, and if I can, Ill take pictures so you can see them for yourself!

 

CES Security Reminders: Protect Your Gadgets from Smartphone, Laptop and iPhone Theft and Loss

A friendly reminder: although Las Vegas isn’t necessarily one of the top cities for smartphone and iphone theft and loss, it’s easy to let your guard down while attending such a big convention and tradeshow like CES. Check out our top 10 security tips to avoid laptop and iphone theft at tradeshows and conferences.

 

I can’t wait to see all the new smartphones, cameras, and more and I look forward to seeing you all there!
Ben

 

Photo via CES Press Image Gallery (Jan 2013).

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The Top 10 Smartphones and Tablets For Christmas 2012

Which gadgets did you receive under the tree this year? The Protect Your Bubble team looks at the most coveted smartphones and tablets of the season.

Protect Your Bubble insures over 350,000 mobile devices in the US and the UK, so we spend a lot of time talking about the latest in smartphone and tablet innovation and taking a look at the latest devices to hit the market. 2012 was a huge year for new smartphone and tablet launches, so there were a lot of contenders looking to be the favorite gadget of the holiday season this year.

 

Out of all of the new releases, which devices were expected to take top spot on Christmas wishlists across the globe? We looked into things to bring you the top 10 smartphones and tablets for Christmas 2012.

 

The top 5 Smartphones for Christmas 2012 include:

 

  1. Apple iPhone 5 - iOS fanboys and new users alike will love the larger display, panoramic photos, and more on Apple iPhone 5.
  2. Samsung Galaxy SIII – Taking on the iPhone 5 in commercials, features, and more, the Galaxy SIII is a heavyweight in sales numbers this Christmas.
  3. Motorola Droid Razr Maxx – If you want a smartphone that can keep up with you, the Droid Razr Maxx has a battery life that keeps you on the go without needing to recharge.
  4. HTC Evo LTE 4G – With the latest in HTC Sense customization and Beats Audio™, the HTC EVO LTE 4G is the perfect smartphone for the music lover or free spirit in your life.
  5. Samsung Galaxy Note II – Can’t decide between a smartphone and a tablet? The Galaxy Note II is a “phablet” that gives you the best of both worlds.

Smartphones aren’t the only in-demand gadgets this season. These 5 tablets join them to round out our top 10:

 

  1. Apple New iPad (Also known as the iPad 4) – The new iPad brings you the same great Apple design and service with all new features, including iOS 6.
  2. Microsoft Surface – The catchy snap-in-place commercials may have already stolen your heart–So will this device.
  3. Samsung Galaxy Tab 2 – Providing your favorite Galaxy line features in a wider tablet screen, the Samsung Galaxy Tab 2 is perfect for your favorite Android fan.
  4. Kindle Fire HD – A fabulous tablet at a great price, the Kindle Fire is a favorite for bookworms.
  5. iPad Mini – Offering all the best from Apple in a more convenient package, the iPad Mini provides you with a tablet that you can fit in your pocket.

 

 

Which devices made it under your tree this year? What will be typing on in 2013? Tell us your holiday gadget picks and if they made our list.

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