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The Equifax data breach was bad for a lot of people but good for a few companies that sell identity theft protection.The hack, which Equifax announced last Thursday, exposed Social Security numbers, drivers licenses and other personal information of 143 million people. And that was just in the United States.Equifax said people in the U.K. and Canada were also affected by the data breach, but it hasn't said how many. Equifax says it has records on more than 800 million people worldwide.Demand for identity theft protection just went up. A lot.One company, LifeLock says it has gotten over 100,000 customer signups since the Equifax news broke. It said it's enrolling 10 times as many customers every hour now as a result.The Equifax breach was not the largest ever, but it was notable for the kind of information that was put at risk.LifeLock says its increase in business is greater than it was after two other big breaches -- an attack on Yahoo last year and one in 2015 against insurance giant Anthem."We've had more people sign up for LifeLock in the past three days than during the entire Yahoo or Anthem breaches," Fran Rosch, executive VP and GM of Symantec's consumer business unit, told CNN Tech on Monday.LifeLock sells identity protection like credit monitoring, black market surveillance, stolen fund reimbursements, crimes committed in your name, and fake identity monitoring. Its service costs between .99 to .99 a month.Another company that says it has seen an uptick in business is CreditKarma, which provides free credit reports and monitoring. It told CNN Tech it saw a 50% increase in signups over the weekend and a 50% increase in search traffic.CreditKarma analyzes credit profiles, suggesting product recommendations to help users save money. If you take its recommendations, it then makes a cut from the bank or lender behind the product.Equifax itself is in the fraud alert business. It has a host of products under the Equifax brand, as well as an offshoot called TrustedID. In the wake of the data breach, it is offering one year of free credit monitoring and identity theft protection with TrustedID Premier. It clarified this week that those who sign up will not be automatically renewed and charged.Of course, a year of the TrustedID service for free could be enough to convince some customers to renew and start paying."They can exploit this breach to market to consumers who never had to worry about their credit report before," said Amanda Werner, campaign manager with Americans for Financial Reform and Public Citizen.Equifax did not respond to a request for comment for this article.Experts warn that one year is not enough to cover the damage caused by the breach on consumers."Criminals will certainly try to monetize the leaked data and perform ID theft for far longer than one year after this attack," Katie Moussouris, founder of Luta Security, told CNN Tech.Bill Kowlaski, director of operations at Rehmann Corporate Investigative Services and a former FBI agent, agrees. "You're basically required ... to be extra diligent for the rest of your life."The identity theft protection market is expected to bring in .8 billion in revenue this year, according to research from IBISWorld. LifeLock has 24% of the market, with a company called Intersections owning the next biggest share, 6%. Intersections did not immediately reply to request for comment.IBISWorld said that identity theft protection offshoots owned by Experian and Equifax has a market share of less than 5%.RELATED: How to protect yourself from a data breach 3581

The coronavirus pandemic pumped up bicycle sales to the point that buyers confronted the first bicycle shortage in the U.S. since the 1970s. In tandem with that sales surge, bicycle theft has soared in a number of U.S. cities.As you might expect, the rise in bike ownership and theft has prompted more Americans to ponder insurance coverage for bicycles. That’s a particularly valid concern, since more than 2 million bikes are stolen each year in North America, according to Project 529. Pedal along as we examine the numerous spokes of bicycle insurance.How Are Bicycles Insured?Bicycles are covered under the personal property section of a standard homeowners or renters insurance policy. An insurer will reimburse you, minus your deductible, if you file a claim when your bike is stolen or when it’s damaged in a fire or other disaster that’s covered by your policy.Furthermore, homeowners and renters policies offer financial protection (under liability insurance) if you injure somebody or damage someone else’s property when you’re riding your bike.If your bike is damaged because you fall off or you collide with a tree, pedestrian or curb, it won’t be covered by your homeowners or renters insurance unless you add it separately to your policy. This is known as “scheduling” an individual item.If you’re riding your bike and are injured in a crash with a vehicle, your auto insurance policy would generally cover your medical bills under either personal injury protection or medical payments coverage, assuming you have one of those.Snejina Zacharia, founder and CEO of insurance marketplace Insurify, further notes that homeowners or renters insurance usually doesn’t cover a bike (or any of your possessions, for that matter) if it’s damaged or destroyed in a flood, earthquake or landslide.What Kind of Coverage Do I Need if I Own an Expensive Bike?The Insurance Information Institute suggests that if you own an expensive bike, you should ask about an add-on to homeowners or renters insurance known as an endorsement to boost your coverage. You also can explore a standalone bike insurance policy.Bike insurance policies usually provide broader and deeper coverage than homeowners or renters insurance policies do. For example, Markel’s bike insurance can cover things like crash damage, roadside assistance, spare parts and replacement-bike rentals, whereas a typical homeowners or renters insurance does not.Markel and another bike insurer, Velosurance, say their annual premiums start at 0. Markel’s average bike insurance policy costs 0 to 0 a year.Trusted Choice, a network of independent insurance agents, says you should look into standalone bike insurance if:You spent a lot of money on your bike. An everyday bike might cost roughly 0 to 0, while a specialty bike might go for more than ,000.You frequently ride off-road, potentially placing you and your bike at greater risk for harm.You compete at cycling events.You own a bike that’s been specially designed, upgraded or modified.You lack homeowners or renters insurance.You don’t have health insurance to cover injuries you might suffer in a cycling crash.Should You File a Claim if Your Bike Is Stolen or Damaged?If your bike is worth 0 but your homeowners or renters policy carries a 0 deductible, Zacharia recommends against filing a claim.“Not only will a claim increase your monthly premiums, but you won’t be getting anything in return. Essentially, it’s a lose-lose situation,” she says.If your bike is worth more than the deductible, calculate your potential claim check amount. If it’s small, it still probably isn’t worth filing a claim and risking a rate increase in the future that could cost you more over time.“It’s really about the balance between the cost of replacement and the increased cost on your monthly premiums. Some people might also say the hassle of making a claim is an additional downside,” says Zacharia.“Remember that your deductible matters,” Zacharia adds. “If your bicycle is worth 0 but your deductible is set at ,000, you’ll be paying out of pocket to replace it. It’s up to you where you set a deductible level. Just be prepared for the bill.”Registering Your BikeOne way to discourage bike theft—or at least have a better chance of getting your stolen bike back—is to engrave a serial number on it and register the number with the local police department. For example, New York City offers a bicycle registration program. 4472

The Centers for Disease Control has issued new guidance for employers, giving them various situations they may come across and how they should decide to test their employees for COVID-19."There's a lot of different questions coming out from employers about the whole process of testing, doing temperature taking of employees who are returning back to work again," says Amber Clayton, the knowledge center director at the Society for Human Resources Management.Clayton says employers are grappling with increased uncertainty surrounding how and when to implement coronavirus testing at their offices."Employers can have a policy in place. Per the Equal Employment Opportunity Commission they can test during this pandemic so they could require COVID testing. Now, antibody testing can’t be mandated but COVID testing can," says Clayton.The CDC recommends, in most cases, to only test employees who are showing symptoms.But what if a person knows they've been exposed to the virus but isn't showing symptoms, is a test appropriate?"I think it may be on a case by case basis. So, if it is positive, I think it's probably helpful. It tells you the person did in fact become infected," says Dr. Beth Thielen, an infectious disease doctor with the University of Minnesota.Dr. Thielen says employers should be careful, though, as employees who aren't showing symptoms could have a false negative if they test too early, before the virus spreads in the person's system."The CDC guidance still indicates if someone tests positive for COVID before they return back to work, they should be quarantined and out of work for at least 10 days, that they don't have a fever or they've they have gone without a fever for 24 hours or without fever reducing medications," says Clayton.Employers can ask employees who have gotten a positive COVID-19 test to take a second test, showing they're negative before returning to work, but the CDC doesn't recommend it and says in their guidelines, "Employees with COVID-19 who have stayed home can stop home isolation and return to work when they have met one of the sets of criteria.”Some of that criteria includes 10 days passing since the employee last experienced any COVID-19 symptoms.Dr. Thielen says, this recommendation makes sense."We haven’t detected people who have had culturable virus out as far as 14 days after," says Dr. Thielen. She adds, so far, studies have found that most people who still test positive weeks alter won't transmit the virus to others. She believes employers should continue to look to the CDC for guidance."I think these are some of our leading public health thinkers and they’re making decisions based on a long history of experience based on dealing with other respiratory infections but also newly emerging data," says Dr. Thielen.As for Clayton, she says employers will want to ensure the confidentiality of employees who do test positive while at the same time notifying others who may have been exposed. And also, do some research or consult legal counsel before implementing any testing at the office."Or if you have situations where employees refuse to be tested maybe for medical reasons, those things tend to fall under the Americans with Disabilities Act sometimes, so make sure you’re doing your homework before you implement any type of testing program," says Clayton. 3350

The charges against one of the three men in connection to a viral video of a shark being dragged behind a boat from July 2017 have been dropped.A Hillsborough County (Florida) judge dropped two felony counts of aggravated animal cruelty (third-degree felony) against Spencer Heintz Tuesday morning.According to the judge, the state dropped the charges because no evidence showed that Heintz, 23, broke the law and because he agreed to testify as a witness.Heintz, 21-year-old Michael Wenzel and 28-year-old Robert Lee Benac were all charged after a four-month-long investigation into the graphic video of a shark being dragged behind a boat.At this time, it is unknown if the charges against Wenzel and Benac will also be dropped.Wentzel and Benac still face the following charges: 824

The first vote of my life We are here to serve We pray for every servant leader in the world ?? pic.twitter.com/UWSrKslCt1— ye (@kanyewest) November 3, 2020 178

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