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Insurance fraud is more common than you think and there is a good chance you may have already committed it. Homeowners who inflate their losses on a claim are committing insurance fraud and, while it may seem harmless, it adds up to big bucks every year - with jail time for perpetrators, in extreme cases.

"Many areas in the United States are affected by natural disasters at various times of the year. However, there are a few states where natural disasters seem to occur more often. These areas have higher insurance premiums as a result of more claims and increased risk for loss. Considering the number of disasters that occur, there is a higher need for adjusters in the following areas."

Most Americans will not endure the stresses of an IRS audit. As an independent adjuster, however, you may be more vulnerable to the investigation. Research shows that individuals who earn more than $250,000 and/or file a Schedule C to report business expenses and losses are among those most likely to be targeted in an IRS audit. If you've received a notice from the IRS, you may start to panic - don't! The process is usually straightforward and, with the right information and assistance, you can make it through painlessly.

One of the main qualities that insurance adjusters or an independent claims adjuster needs to have is to be trustworthy. Ethics play a major role in any business, and especially when it comes to insurance claims. Fraud in this industry can sometimes be written off as a "victimless" crime which is not necessarily true, as other insureds are footing the bill for the insurance companies' losses. If an adjuster is committing fraud or trying to scam the system and earn extra money, he is hurting everyone who uses that insurance company

Cyber-savvy experts view electronic chatting as an example of how technology - and especially the growth in text messaging and live video chatting - is allowing people to keep in such constant communication that it has begun to radically change the sense of what it means for people to feel together, or alone, or apart.

The keystroke is mightier than the sword, was the message that social studies teacher Gideon Sanders of Washington, D.C.'s McKinley Technology High School helped send last October.( (While 200 angry McKinley Tech students took to the streets to protest the loss of 15 of their instructors and counselors after the layoff of 229 D.C. public-school teachers (see video HERE)-and a scuffle with police resulted in the arrest of one student and one adult-11th graders Aaron Kitt and D'Angelo Anderson took to their screens.

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