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The majority of people who commit insurance fraud don't think they're hurting anybody directly. In fact, they think they're hurting major corporations who have enough money that they don't care anyway. This is not the case. In the United States, insurance scams cost an estimated $875 per person annually. It adds up to approx. $80 billion per year, and with the rapid growth of technology, it's getting harder and harder to catch.

There are different types of insurance fraud.

One of the leading forms of insurance fraud is in our health care system. Health care fraud results in over $30 billion per year in the United States. There are two kinds of health insurance fraud: member fraud and provider fraud. An example of member fraud is when you deceive your insurance company by purposely not declaring something, where an example of provider fraud is if you were to bill for a service that was never rendered.

One fast-gorwing form of insurance fraud is automobile insurance fraud. Staged rear-end car accidents are a common form of this type of fraud. This is when a scam driver will stop suddenly in front of a car deliberately so they other car rear-ends them. Another popular scam is when there's already an accident, you add damage purposely in the hopes to collect more money. Often times, this works, which is why it's important to take photographs of the damage.

Another form of insurance fraud is when the beneficiary tries to collect the benefits while the insured is still alive. This is called life insurance fraud. The best thing you can do in this scenario is to know your insurance broker. When you go in to pay your premium on the insurance, don't pay in cash. make sure you understand your policy, and if you don't, bring it to someone who does.

And last but not least, I want to talk about fire insurance fraud. This form of fraud is very common because it's hard to prove. If you lose your house to a fire, who's stopping you from declaring stuff you didn't have in the first place? There is no real way to prevent this kind of fraud. This will haunt you in your taxes and that's about it. The best thing you can do is report it if you hear of anyone making false claims.

As I mentioned previously, the best thing you can do if you're a victim of fraud or if you hear of any sort of fraud taking place, is to report it. You can report fraud to the National Fraud Information Center at 1-800-876-7060. I hope this article has opened everyone's eyes a little bit to how this serious crime is affecting each and every one of us.

Go to Insurance Fraud for information about different types of insurance fraud and scams - automobile, home, life and health insurance fraud and how to spot and report them.

Niche marketing has been around for years, but what many don't realize is how lucrative it can be when applied to a new online business. Many people today are working from home with a niche business. Some are earning thousands of dollars per year, some even millions! There are stay-at-home moms that have etched their way into a small corner of the Internet market to make money online. There are whole families that work from home together selling niche products and services. So, there's definitely room for you!

A niche online Internet business is one that focuses on a very specific, targeted group of people. The customers are looking for a specific type of product or service, and nothing else. Niche marketing doesn't focus on the general audience within certain markets, but gets down to the "nitty gritty" of target audiences. For example, there may be millions of people online that want to start a new online business; however, only about 5,000 of those same people might want to start a mortgage business. Even more specific than that, a couple of thousand might want to specialize in only office building mortgages.

A niche business works like a specialty within a general business field. You will specialize in one or several areas and ignore general marketing. To put it into perspective, think of a brain surgeon, a business check printing company, a laser hair removal specialist, a wedding photographer, a decor lamp retailer, a chocolate-covered strawberries retailer, or a patio construction specialist. These all have a very marketable niche business, and offer no other services or products besides perhaps a few complementary products to go along with their business.

Discovering Your Niche

When choosing a niche business, write down a list of skills you implore and some of your favorite business ideas. Use online resources to research business possibilities, and find those that you have the ability to do. You might also sign on with a company that can help you get started with a niche business. Such a company can provide the start-up website and tools you need to make money online.

Find a niche that is growing in popularity, not diminishing. Look for opportunities that have not saturated the Internet already, but are in great demand within your field. This will allow you to enter the market without fighting thousands of competitors.

Promoting Your Niche Business

To promote an online Internet business, especially a niche, you must first find out who is your target customer. Ask yourself, "What would my customers type into the search engines to find my products or services?" Or, "What else might my target customers buy on the Web?" You need to know where your customers are and how you can reach them in the most cost-efficient way.

Once you gather needful information about your target audience, you'll need to do the most difficult part - ignore the masses! Target only your specific group when marketing, and no one else. You'd rather have 1,000 potential buyers than 30,000 people who are not even remotely interested in your products. Promote to bring results, not lots of visitors.

Find a mentor for your niche online Internet business. A mentor can help you avoid pitfalls, and also help you build and make money on the Internet with effective tools and resources that would normally take you months or years to discover. You can seek out business opportunities online easily to find the niche that's right for you. Once you find an appropriate niche, it's time to start earning that extra income or full-time salary from home that you've always dreamed of!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Learn more about Niche - Make Money on the Internet or Majon's Business and Entrepreneurs directory.