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How to manage Roommate Theft

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How to manage Roommate Theft -
roommate theft

College students - and many 20-somethings - are often left with a roommate or two. While splitting bills and to have a friend of fun exchanging clothes with can be great, it can also be difficult if this $ 20 bill on top of your dresser is missing. Or iPod you put on your bed after a race has mysteriously disappeared. You know you left there.

Unfortunately, it is possible to end up with a thief for a roommate. Roommate flight can be difficult if there is no clear evidence or if your roommate is a friend.

What if you theft suspect roommate

If you think your roommate is stealing from you, here are some steps you can take:

  • mention the disappearance. If you think your roommate is stealing from you by any chance mention that you noticed an item was missing. Then ask if they saw it. Regardless of their response, they are now aware that you know he misses.
  • file a police report. If the missing elements or was expensive, you should definitely file a police report. This also shows that you have taken reasonable steps to recover your property.
  • calmly confront your roommate once you have evidence. Try to have a discreet conversation when you are upset or stressed. You'll be able to keep a clear head and proceed with caution while giving them a chance to be honest. Just know that they can still deny it, even if you present the evidence.

Unfortunately, it is possible that you will not get your property back, even after taking these measures. If nothing works to convince your roommate light fingers, get a lock for your door if you have your own room, buy a safe to keep some of your more expensive items or move.

Preventing theft roommate

Fortunately, there are things you can do to prevent roommate theft in the first place. They include:

  • Burn high value items engraving your initials or a personal message on your electronics or other more expensive items may make it harder for a thief to sell articles. This can deter a thief. It also makes it easier for items to be returned.
  • You have a proof of purchase. Keep receipts and / or credit card statements from purchases that were particularly costly. Product numbers may be used to check the property there is a dispute.
  • Investing in a safe. They provide safe storage of cash, credit cards, jewelry and more.
  • Leave valuables at home from your parents if you can. your roomie can not steal what is not there.
your parents or guardians homeowners insurance or your own renters insurance policy can reimburse you any stolen items. Talking with a professional insurance as an Erie Insurance agent understand your coverage options and how they work.

ERIE named among the 50 most Trustworthy American financial companies for the second consecutive year

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ERIE named among the 50 most Trustworthy American financial companies for the second consecutive year -

Erie Insurance has done it again.

For the second year in a row, ERIE topped the list of mid-cap companies on the ranking of Forbes Magazine 50 Most Trustworthy US financial firms . The good news comes as REA celebrates 0 years of being foremost in Service℠.

"Our customers - and all consumers - want to know that their insurance company will be sensitive to their needs and financially strong enough to pay their claims," ​​said Terry Cavanaugh, President and CEO of Erie Insurance. "Being named to this list shows our customers that they can count on us when we need it most."

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The list is based on the behavior of accounting and governance collected through research MSCI ESG. over 700 north American companies listed were evaluated on factors including high risk events, income and methods of recognition of expenses, actions by the SEC and the risk of bankruptcy.

generational diversity in the workplace today

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generational diversity in the workplace today -
generational diversity

Did you know that Millennials (generally defined as those born between the early 1980s to early 00) will soon exceed the baby boomers and generation X as the greatest generation of the workforce?

with five side-by-side working generations now, there are more generational diversity in the workplace than ever before. While this may require new ways of understanding and perspective, it also presents exciting opportunities to share different points of view and develop.

generational diversity Erie Insurance

Joe and Peter Hohman are a father-son team working in the Actuarial Division at Erie Insurance. They commute to work together. Their taste in pop culture is eerily similar, especially with regard to comics and music. They share a love of mathematics and reruns "Frasier." But there are major differences between the Baby Boomer father and his son millennium.

"Peter is smarter and can generally stay focused on something more than me," Joe said. "It is also a better drummer than I am, but I'm a much better guitarist."

Peter's response was more aesthetic.

"I have the hair, but not Underwriter Chartered Property Casualty (CPCU) designation, as my father has a CPCU designation, but no hair, "quips Peter.

Joe has been with ERIE for 22 years. Before ERIE, he taught at a university, worked as a statistician plumbing and sold, electric and heating. Peter started with ERIE in June shortly after graduation. While he briefly considered going to grad school or look for another job, he accepted a full time position after his second internship with ERIE.

Here are some other interesting details about the father-son duo.

Joe: My title may be Associate Actuary but I'm more commonly known

["theactuaryMarylandandDC" Peter: My job title may be Actuarial Analyst I, but I'm more commonly known Peter Hohman

In work one day

Joe: I'm working on the price for the Auto touring Car Roof Erie Home and secure. (I am also responsible for the price Boat and Inland Marine.)

Peter :. I use a ton of data on historical losses to determine the appropriate rate for commercial insurance, particularly in Wisconsin and Illinois

How my role connects to ERIE the strategy

Joe: price is a fine balancing act between ensuring that the premiums are adequate enough to be profitable and low enough to be competitive

Peter :. Strategy ERIE is to sell insurance, and I guess you can not sell something that is priceless. To be fair, much of the actual pricing (especially in commercial lines) is done by good people to subscribe, but my work provides a kind of foundation for potential points of insurance prices.

My path is like ...

Joe: A gradual curve upward sloping without discontinuity points. (I went in much the same role for the past 22 years.)

Peter: A scatterplot with a Pearson coefficient of about 0.67 - there has a decent linear trend line that represents my ideal path, but there are many future points that differ significantly from the trendline unexpectedly. In fact, I can not even be fully confident that online is the best way to explain the data, as I'm not sure my ideal course will be the best way to deal with the inevitable surprises I encounter in my career. (Re-read it, I realize that I went with a literal visual explanation of what my path "looks" and failed to give an overview of my past positions and future goals as a reasonable person. Sorry for that!)

[turning Career (s)

Joe: When I was a freshman in college, I apparently helped a adult student with a part of his duties calculation. I say "apparently" because I do not remember; but adult student turned out to be Sharon Cooper, who a few years later decided to recruit me and was my first supervisor. Moral of the story: try to be nice to everybody because you never know when your paths may cross again

Peter :. Becoming disillusioned with academia in my sixth semester of the university and therefore the choice to enter the job market after graduation instead of pursuing a graduate degree

where I see ERIE five years

Joe :. I think the costs of loss (and the associated premium) private passenger automobile will come WAY down with the advent of self-driving cars. Also, I have a feeling that the novelty of shopping for insurance online will wear off, because the public will realize that they need the expertise provided by an insurance agent. ERIE partnership with its independent force will continue to pay big dividends

Peter :. Always in Erie, Pennsylvania

Dream project [

Joe: I had several transversal projects that I really enjoyed. One was a project of reimbursement for the North Carolina owners; Another was the development of Top 30 Agency indicates that we use in our input meetings; The most recent study was a fraud I had the privilege of working on

Peter :. Find a way to incorporate all of my university knowledge interstellar radiative transfer processes in the new Wisconsin factors territory. Hey, I can dream, I can not

What I wanted to do when I grew up

Joe:. A teacher

Peter: An astrophysicist specializing in cosmology.

What is currently stuck in my head

Joe: "Nerve Meter" by The Hipsters (my first band I played my first show in 34 years with them recently in Pittsburgh)

Peter: .. "Crazy Mixed-Up Kid" by The Smithereens

The best advice I never received

Joe: when I was training to be a teacher, I asked a friend of my teachers when it would be appropriate to use the sarcastic humor in front of a class. His opinion was that this was never the case, because no matter how obvious your sarcasm may seem to you, someone always take the wrong way

Peter :. I remember volunteering in a kind of food bank once a man I was doing there serve told me: "It is important to give a part of yourself to others, because if you do not do it, then you do not really have anything worthwhile in the first place. "I can t claim to have followed his advice terribly well in the intervening years, but it was a kind of cosmic time and a great piece of advice .

recent madness

Joe: A new lawnmower (Woo hoo!)

Peter. a bass guitar Rickenbacker

Favourite film show or television

Joe: film - "It's a wonderful life."; TV show - "Twilight Zone" and

Peter: film - is "Spider-Man 2" or "01: A Space Odyssey," "Frasier";. TV show - "Rick and Morty."

Hero (es)

Joe: Abraham Lincoln, Tecumseh, and (as artists, not necessarily people) The Beatles

Peter: .. Each individual Beatle, Grant Morrison, Brian May and Leonhard Euler

to learn about career opportunities in ERIE, visit the Careers section Erie Insurance on erieinsurance.com. You can also learn more about career opportunities at ERIE following page Careers Erie Insurance Group on LinkedIn.



ERIE ask: Can I file a claim for Workers with my company if I telecommute

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ERIE ask: Can I file a claim for Workers with my company if I telecommute -
workers' comp for telecommuters

According to a study by Workspot, 84 percent of Americans telecommute more than once a month, and nearly one in four do on a weekly basis. More than 40 percent of companies have adopted telecommuting policies.

Of course, working at home has advantages and disadvantages. It also raises serious questions like what would happen if you became injured while performing work for an employer at home.

If you are injured on the workplace, you are usually covered by the compensation from your employer workers policy. compensation (often abbreviated to workers comp workers) provides coverage in case of injury or illness you support within the framework and the scope of your employment. It applies regardless of negligence on your part with the laws of workers on variable compensation by the state.

Fortunately, most teleworkers are covered by their employers cover workers' compensation. (However, if you telecommute regularly, it's worth asking your employer how work-related injuries would be covered just to be on the safe side.)

Injury is possible even if you have a job Office. Common injuries telecommuting experience Office workers include carpal tunnel syndrome; sprains and strains to the back; slips, trips and falls; and auto accidents when driving the work. The injury or illness generally arise from a work-related activity.

Erie Insurance offers business insurance that includes workers compensation which can cover both traditional employees and teleworking. Learn more and get a free quote by contacting an Erie Insurance Agent

Quiz: Ready or Not? 6 questions to test your knowledge Storm Prep

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Quiz: Ready or Not? 6 questions to test your knowledge Storm Prep -

severe weather affects us all. Every region of the United States is subject to one or more natural hazards. It is important for business owners to plan for potential disruptions, such as weather events, to help reduce losses, skip the early recovery and re-open the business as quickly as possible. To get you started, here are some facts you should know. This information is provided by security experts at the Insurance Institute for Business & Home Safety (IBHS).


Video: What we learned from Hurricane Katrina

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Video: What we learned from Hurricane Katrina -

August 29 marks the 10th anniversary of Hurricane Katrina. That disaster displaced hundreds of thousands of Americans along the Gulf Coast and caused more than $ 100 billion in damage.

The Office of the National Insurance Crime (NICB), the premier nonprofit nation dedicated exclusively to the fight against insurance fraud and crime, remembers Hurricane Katrina with a video series in five games. It includes memories first hand NICB staff and enforcement personnel of the law as they reflect on their role in the wake of the costliest natural disaster in America.

One of the biggest challenges for the team was to identify and catalog the 300,000 damaged vehicles left in the wake of the storm. Their work highlights the importance of VINCheck, a free service of the NICB which helps consumers find out if a vehicle sale was once damaged by floodwaters.

See the first video in the series for more on destructive side-- Mother Nature and the good that can happen when people work together.

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There is still hurricane season, which is a good time to refresh your safety tips from the hurricane. It is also worth ensuring that you have the right insurance for homeowners and automobile insurance to the storm. Tell a Erie insurance agent in your community to learn more and get a free quote.





Buying life insurance for the first time? Then read these 7 tips

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Buying life insurance for the first time? Then read these 7 tips -

Maybe you just get married. Or had your first child. Or started a business.

Whatever life event is, you are now buying life insurance for the first time. And who could intimidate and confuse you a bit.

help ease your mind by reading the following tips for anyone who buys a life insurance policy for the first time.

1. understand who (or what) you are protecting. major life changes such as getting married, starting a family and buying a home are often when people think about buying a life insurance for the first time.

While everyone knows a major life event such as getting married or starting a family often recognizes the need for life insurance, others may not realize that they could also benefit. For example, did you know that parents who stay at home and co-signed student loans could have a specific need life insurance? An insurance agent can help you understand who and what you need to protect.

2. Only buy what you can afford. Many people are surprised how much life insurance they really need to protect the people and things they love most. Yet it is a mistake to waive any coverage at all if you can not pay the plan you want. Something is certainly better than nothing, and you do not need to buy the best plan to care for your family. (Need more good news? Life insurance is probably more affordable than you think.)

3. Think through your beneficiaries . One beneficiary of the life insurance is the person or entity that you call in your life insurance policy to receive in the event of your death funds. Your recipient may be an individual, a company, trust, charity or even your church. And you can have more than one. It is important to make sure you think about your beneficiaries are and if any product intended to benefit a minor must be held in trust.

4. Get a will. Having a will can help ensure that life insurance is well dispersed.

5. Buy from a financially healthy company. You want the support of a solid insurer financially if you or someone you love needs to use the life insurance policy. A M. Best, the largest and longest established publication dedicated to in-depth reports and company financial strength ratings about insurance organizations, gave Erie Family Life Insurance Company rated A (Excellent).

6. Learn about life insurance. While an insurance agent can definitely help you navigate the world of life insurance, it also helps to have a working knowledge of it. The articles "Money Sense" in this blog are a good starting point.

7. Working with insurance agent licensed . A competent and professional insurance agent can provide trusted advice when it comes to finding protection life insurance at the right price. An insurance agent is a trusted person in your family can turn in times of need. Tell a Erie insurance agent to find out more about your life insurance options and get a free quote.

Certain terms and limitations may apply. See our disclaimer.

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