Scheduling Special Items

Back in July we posted an article about special limits on homeowner policies for things such as guns, jewelry, coins, cash, silver and furs.  In the wake of a string of burglaries in our area (burglaries that are only focused on taking cash, coins and jewelry), we felt it was important to remind people of the homeowner limitations on these items.  It differs per policy and per item but usually there is only about $1000 to $2500 of coverage given on the homeowners for things such as guns, jewelry, coins, cash, silver and furs.  If you own more than that limitation in any of the mentioned categories you should schedule the items on a special policy.  Feel free to contact Fey Insurance to make sure you have things appropriately covered.

On a side note, the current criminals who have been robbing homes in the area are first placing calls asking if you have a security alarm.  As soon as you answer no they hang up and then know your home is unprotected.  Be sure to never answer no to such questions over the phone to a random phone call.

Is Identity Theft Coverage For You?

Consulting firm Javelin Strategies and Research reports more than 11 million people are affected by identity theft each year, at a cost of $54 billion to the victims. In trying to deal with this threat, the insurance industry has developed products to help a policyholder recover from this kind of loss. The monetary loss is not the only issue with identity theft. A victim can spend thousands of dollars and hundreds of hours trying to clean up credit records due to the thief using personal information to obtain credit with no intention of repayment, thus destroying the victim’s financial reputation. Identity theft insurance protection is designed to help you with this problem by covering expenses and sometimes professional services, that will help the victim recover from this type of loss.

Even with coverage provided, following simple steps can help protect you from this threat:

Shredding documents. Anything that contains sensitive information absolutely must be destroyed. There are specific documents that must always find their way to the shredder.
Old Tax Returns. Unless the IRS suspects you of fraud in your tax filings, you are usually only exposed to the threat of an audit for three years at a time. The National Endowment for Financial Education advises you to keep three to four years of tax returns, and shred anything older. Your tax return contains sensitive information, primarily social security numbers.
Bank Statements. Anything with bank account numbers should be shredded, including paper bank statements.
Credit Card Offers. These offers should go from the mailbox directly to the shredder, unless you are actually going to take the bank up on its offer. A lot of identity theft happens within families, so don’t leave these offers lying around.
Old Photo IDs. These IDs contain information, which by itself is probably not enough to be damaging, but used with other information could help perpetrate a fraud.

Pay Stubs. Absolutely shred your pay stubs. Some financial institutions will ask you the amount of your last deposit to use as a validation. A past pay stub can give that information.
Credit Card Convenience Checks. The most dangerous thing you can receive in your mailbox are convenience checks often sent with your credit card bill. These represent a live loan to whoever holds this check. Shred these immediately.
Canceled Checks. Canceled checks contain not only your account and routing numbers, but also your address and possibly your phone number. People often include their full account or credit card number in the memo section when paying with a check. Do your duplicate checks display your account and routing numbers? Don’t overlook these carbon copies.

Meet Jackson

Name:                          Jackson Cat

Age:                             5 years old

Favorite location:         Hiding under the bed

Favorite activity:          Hiding under the bed

Most annoying habit:   Hiding under the bed

Jack Bauer's Cat

“I don’t want to freak Jackson out,” Carrie said setting the cat carrier in the middle of our bedroom floor.  I closed the door to the rest of the house to shrink this new space for him.  Carrie swung open the carrier and out slunk a long, full-grown white cat with a black saddle patch.  He crouched so low to the ground his legs looked like stubs.  His eyes, wide yellow orbs, darted about taking in the room, Carrie, Mr. Wonderful and me. 

“Hi Jackson,” I said gently petting his shedding coat.  “Welcome to your new home.”  He twitched with fear under my hand then stretched his nose to the bed and sniffed it. 

 

“He likes beds,” Carrie said.  “The past five months, since Peggy’s… passing, he’s spent hiding under the bed.  I think it’s depression.”  I understood how the cat felt.  We all missed Peggy. 

“We’ll cure him of that,” I said looking at Carrie.  “Our bed is only four inches off the ground he won’t fit under it.” 

“Think again,” Mr. Wonderful said as we watched Jackson flatten to the floor and wiggle under the bed.  And there he stayed while we gave Carrie a tour of the house, shared a bottle of wine, discussed home ownership, debated the slate of new TV shows, chatted about her volunteer work with cat rescue, sung the praises of clumping cat litter, filled the domed litter box, loaded her car and she drove off. 

That evening Mr. Wonderful and I tried coaxing Jackson out from under the bed.  “Come out, kitty-cat,” I said shaking some kibble in my hand.  Sandwiched between the bed springs and floor he remained frozen in that uncomfortable position while looking around with fear.

“We should rename him,” Mr. Wonderful announced.   “I don’t like ‘Jackson’.”

“He lost everything he’s ever known," I said, "and now you want him to lose his name, too?  No way.  Besides Jackson is part of his origin story.”  Mr. Wonderful kinked an eyebrow at me. 

I explained how I’d met Peggy, the cat lover, while we were both working on “24”, the TV show starring Kiefer Sutherland.  As one of our Emmy-winning Casting Directors, Peggy was responsible for finding the next bad guy for Jack to chase or the new female love interest for Jack to pine for but not kiss.  Although “24” was a Fox production we didn’t shoot on the studio lot but in Chatsworth, a remote part of the San Fernando Valley not far from where, in the golden days of Hollywood, Lucille Ball and Desi Arnaz had a sprawling weekend ranch looking out over the Valley’s lush acres of citrus groves.  These days Chatsworth was known as the center of the porn filming industry and, for a couple years in the aughts, as the home to “24”.

The “24” studio consisted of a former pencil factory that our Production Designer transformed into Jack Bauer’s Los Angeles, the CTU and innumerable safehouses.  The show’s construction crew had cut a two-story high doorway into the wall complete with a barn-sized sliding door to facilitate building and tearing down sets.  Often during the 9-16 hour workday, this huge door was left open.  Entering through it one morning Peggy heard a soft mewing.  Crouched among the set decorations she found a lone black and white kitten so tiny she could hold him in the palm of her hand.  Clearly hungry she set out a bowl of milk hoping to tide him over until his mother returned.  When after two weeks the mother cat still hadn’t appeared, Peggy brought the kitten home for the weekend and the rest was history.  She said it took the kitten about 20 minutes to adapt to her cozy condo in West Hollywood where she spoiled him along with two other cats. 

Not wanting to forget she’d found him on Jack Bauer’s set, she named him Jack’s son. 

“So we can’t change his name,” I said.  “Jackson is all he knows, right Jackson?”

Still crouching under the bed, the cat turned his head toward me, his yellow eyes locked on mine.  Nope, he hadn’t forgotten his name.