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Security Manager Salaries

Alternate Job Titles: Security Manger, Security Manager

  • What is the average annual salary for Security Manager?

    How much does a Security Manager make? The median annual Security Manager salary is $87,875. as of June 28, 2017, with a range usually between $75,115 – $102,805. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Security Manager in the United States.

    This chart describes the expected percentage of people who perform the job of Security Manager in the United States that make less than that annual salary. For example the median expected annual pay for a typical Security Manager in the United States is $87,875, so 50% of the people who perform the job of Security Manager in the United States are expected to make less than $87,875.

    Source: HR Reported data as of June 28, 2017

    • About this chart

      This chart describes the expected percentage of people who perform the job of Security Manager that make less than that salary. For example 50% of the people who perform the job of Security Manager are expected to make less than the median.
      Source: HR Reported data as of July 2017

      Manages a group of security guards who ensure the protection of an organization s facilities. Develops and enforces security procedures and regulations. Acts as a liaison to all departments on security measures, procedures, and needs. Requires a bachelor s degree. Typically reports to a manager or head of a unit/department. Manages subordinate staff in the day-to-day performance of their jobs. True first level manager. Ensures that project/department milestones/goals are met and adhering to approved budgets. Has full authority for personnel actions. Extensive knowledge of department processes. Typically requires 5 years experience in the related area as an individual contributor. 1 to 3 years supervisory experience may be required. View full job description

Taxation of Group Benefits, True Benefits Life & Health Insurance Specialists Vancouver BC, group benefits insurance.#Group #benefits #insurance


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Taxation of Group Benefits

When setting up your payroll system or doing T4s, you’ll need to know which employee benefits are taxable.

The benefits for which an employer s contributions are taxable are: Life Dependent Life Insurance, AD D Insurance, Critical Illness Insurance and Provincial Medical Services Plan premiums.

For other group benefits such as: Extended Health Care, Vision Care, Dental Care and Health Spending Accounts, employer contributions are tax-free.

In the case of Disability Insurance, employer contributions have potential taxation consequences for the employee if claims are paid.

Death Benefits are not taxable to the recipient

Benefits are not taxable to the recipient

Employer paid premiums are not a taxable benefit to the employee

Employer paid premiums are not a taxable benefit to the employee

Any employer contributions to the premium will result in disability benefits paid to employees to become subject to income tax

Employers may choose to do payroll deductions from employees to ensure disability claim payments are tax free, OR, employers may pay the premiums and employees will pay income tax on the disability benefits received

Some companies choose to add the disability premiums to each employee s T4 as is done with Life Insurance; however, the CRA may not find this an acceptable method of making the benefits tax free

This information is provided for the purposes of designing benefits cost sharing arrangements; for detailed tax information please consult with your business accountant.

Photocopier Lease Guide – Advice and Benefits of Leasing a Copier #leasing #tax #benefits


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Photocopier Lease Guide for London

Photocopier Leasing

Leasing a photocopier is one way for you to avoid the initial capital outlay required for outright purchase. Whilst the overall outlay is slightly more with a photocopier lease as opposed to a straightforward purchase there are sound reasons to consider it as a method of finance for office equipment such as an office printer or copier machine.

Leasing is a well-established and tax efficient form of finance, enabling cost-effective trade-up access to the very latest technology at the right time. An example of a leasing company that specialises in business equipment such as office photocopiers is ING Lease. one of the top five leasing companies in Europe. Their site may help further in familiarising with the various finance options and how leasing can be adapted to suit each business’ preference.

We hope this guide helps with understanding the key benefits of lease finance as well as offering useful advice if you are looking to lease a photocopier. Of course, if you have any questions please do not hesitate to contact us.

Photocopier Lease Guide – Contents

What are the benefits of photocopier leasing?

For many businesses the purchase of an important office utility such as a photocopier or printer may be a daunting investment, mainly due to the associated large up front sum but also the prospect of it becoming obsolete in five years time. Leasing a photocopier is the smart alternative with numerous good business-sense advantages:

Budgeting

Many businesses earn revenue over time – to pay as you use makes sense: Why pay out in one lump sum when with leasing you can make small fixed manageable payments? It equates to pay as you use. Payments made throughout a lease arrangement are unaffected by changes in interest rates; you can therefore accurately plan for lease payments in advance. And as cash flow can be forecast, cost of use can be compared with projected revenue and profits generated by the use of the photocopier / printer.

Tax efficiency

Leasing can reduce your overall tax bill, as the cost is deductible as a business expense reducing the net cost of leasing the equipment. This factor will help determine whether to rent or lease, rather than buy. If you buy you will be able to claim 40% of the photocopier / printer purchase price against tax in the first year and thereafter claim 25% of the outstanding balance. If you lease you do not have to pay the cost of the photocopier or printer immediately and you may reclaim everything you pay out on a ‘by payment’ basis – monthly, quaterly or annually.

Upgrading Technology

It is well accepted that a photocopier or printer is not a business asset that appreciates: IT depreciates faster than the vast majority of purchased assets. So save purchases for assets that either appreciate or depreciate less. Leasing gives more freedom for up to date office equipment, important with printers and copiers, to be installed as required, less affected by budget restraints. Photocopier and printer leasing improves cash flow and creates a hedge against inflation, depreciation and obsolescence. Importantly, it allows you to take advantage of technology improvement at a time of your choosing and at a reasonable cost. By contrast, a business that owns its office equipment can only upgrade by reinvesting and disposing of the existing asset. A photocopier lease with Club Copying will include provisions to trade up to a newer model or, when necessary, to one that accommodates the higher volume, speed and features your business requires at the right time, giving you freedom to upgrade without buying new.

Multifunctional

Because the latest photocopier and printer machines are multifunctional i.e. they combine all the functions of a scanner, fax machine, printer, colour printer (if applicable), pdf writer, document manager (send files to email and mailbox), and photocopier, it makes sense to be able to upgrade all these products and facilities at the same time rather than having to deal with multiple outdated machinery. This is one of the newer benefits of leasing combined with the latest multifunctional technology.

Capital

It makes sense to use capital for expansion or appreciating business purchases. Leasing for office technology preserves precious resources for these purposes and other business opportunities. Furthermore, you are able to preserve your existing bank lines and optimise your use of commercial credit sources.

Flexible Payment

You can choose the option that makes for the most comfortable leasing arrangement, normally up to 5 years, giving immediate access to the photocopier / printer equipment you need, the necessary speed, and the right multifunctional technology, via payments your business can handle and without the large deposit normally associated with outright purchase.

Return on Investment

Let the new equipment provide you with a return. The reason for a new photocopier or printer is to increase productivity; with leasing you are in the position to use the cost saving and increased production ROI to make the periodic payments.

Buying Tips for a Photocopier Lease

  • Test drive it: When deciding between two or three copier models, please feel free to ask us for a demonstration of how the machines work. Or if it is more a case of colour print quality ask a Club sales representative to forward you copies or prints of your own document files ensuring satisfaction in advance.
  • When not to: If you expect to make fewer than 700 copies a month, you probably do not need to lease a business copier. You would be better off purchasing a smaller desktop copier or multifunctional laser printer that would cost much less overall – unless you want the advanced features of a business photocopier or printer.

Who retains the equipment at the end of the photocopier lease?

Title to the goods remains with the finance provider, which means the equipment does not show on your company balance sheets and therefore not applicable to the expected value depreciation over a fixed period. This of course gives you the advantage of staying in touch with the latest technology by changing your equipment towards the end of your lease.

Can we upgrade before the photocopier lease agreement expires?

Yes. A Photocopier Leasing facility allows businesses to keep up with changes in technology as your original installation can be altered either during or at the end of your lease period. The normal reason for this is due to a customer’s expansion of business and their changing needs.

Why should I choose photocopier leasing?

All sectors of the British economy take advantage of Photocopier Leasing; it is the most popular choice for small businesses that need a mid-to-high volume photocopier or printer just as a large multi-national organizations prefers to keep a tighter control on their finances and enjoy the tax efficiency and upgrade opportunities of a lease agreement over purchasing.

How does photocopier leasing work in practise?

Leasing is a contract between a finance company and a customer, giving the customer use of the equipment on payments of rentals over a period. When you lease equipment you make a series of regular (usually tri-monthly) payments, instead of a large capital outlay.

Why lease a photocopier rather than purchase?

The cash flow and tax relief benefits of leasing provide a very strong case against cash purchase. If you buy equipment outright the capital invested becomes, in effect, tied up in a depreciating asset. Photocopier Leasing on the other hand allows you to save resources for other purposes or opportunities. To be sure of the right decision for your business specifically, speak to your accountant who can advise upon what is best for your company financially.

Enquiries

For specific enquiries regarding leasing agreements with Club Copying feel free to call and speak with one of our staff who have many years of dealing with the various lease finance options available.

Photocopier Buyer’s Guide – If you would like any advice for choosing a copier or printer for your office feel free to consult our guide.

Club Copying – 30 years of Service to London Business – 020 7635-5252

For any enquiry regarding photocopier machine prices, to discuss leasing or if you would like to arrange a demonstration please complete the form below then click the ‘Send enquiry’ button. Alternatively you can contact the sales team on 020 7635 5252 .

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CoverMe Term Life Insurance

The affordable way to ensure your loved ones are protected

If you are between the ages of 18 and 55, CoverMe Term Life insurance lets you get up to $250,000 in instant coverage – with no medical exam – just by completing a simple health questionnaire online. Even if you already have some life insurance elsewhere, the low cost of CoverMe Term Life makes it easy to ‘top up’ your existing coverage. Get your quote now by visiting our new Instant Quote website. Get your quote now by visiting our new Instant Quote website.

For those between the ages of 18 and 70, we offer CoverMe Term Life insurance coverage in amounts from $100,000 up to $1,000,000. You can choose the amount of coverage that best suits your family and budget, so you won’t end up paying for something you don’t want or need. The CoverMe Term Life insurance plan gives you a simple, economical way to secure your family’s financial security.

CoverMe Term Life premiums are based on your age, so the younger you are when you apply, the lower your rates will be. Apply now – before your next birthday – and you’ll pay a lower premium. The premium you pay when you apply is guaranteed not to increase for 10 years.

Simple, affordable protection
Dollar for dollar, term life insurance offers you one of the most economical ways to get the maximum amount of protection.

Insurance that covers you – and your spouse
Choose the amount of coverage that suits your lifestyle and budget – from $100,000 up to $1,000,000. Your spouse should consider applying for coverage as well. Use our calculator to estimate how much life insurance you both may need.

Applying is fast and easy
Apply online in the comfort of your home whenever it’s convenient for you. If you’re between the ages of 18-55 and want $250,000 or less in coverage, no medical exam is required upon application. All you have to do is complete a health questionnaire and you can receive instant coverage. 1 Learn more

Premiums are guaranteed for 10 years
Premiums are set and guaranteed for 10 years when your policy is initially issued. Renewal premiums are not guaranteed, which means that they will increase at each 10-year renewal (as you get older), but once your renewal premiums are set, they will remain the same for the next 10-year term. 2

Coverage is renewable up to age 85 – guaranteed
Your coverage is guaranteed renewable up to age 85 – regardless of any changes in your health. Your coverage will not be cancelled as long as your premiums are paid.

No medical underwriting upon renewal
When your coverage renews in 10 years, it will be at your new age-based rate – without any medical exams or questionnaires required at the time of renewal.

Conversion to a Permanent Life insurance policy
If you wish, you can convert your CoverMe Term Life insurance policy at any time before your 70th birthday without providing medical information or undergoing a medical examination at the time of conversion. You are limited only by the Manulife conversion products available and their restrictions regarding coverage amount and minimum premium. For more information about conversion options contact us.

Lump-sum benefit
In the event of your death, your beneficiaries will receive a tax-free benefit. They can use the lump-sum payment towards the mortgage, outstanding debts and loans, living expenses, education expenses. the choice is theirs.

Living Benefit included – at no additional cost
Should you be diagnosed with a terminal illness with less than 12 months to live, you may be eligible for a compassionate one-time cash advance of up to 50% of your term life insurance coverage (to a maximum of $100,000). This cash advance is tax-free and yours to use however you wish. 3

You own your coverage
Unlike group coverage that can change or end as you move from one employer to another or retire, you will “own” your CoverMe Term Life insurance coverage up until age 85.

Earn AIR MILES � reward miles
When you pay your premiums monthly, you have the opportunity to collect AIR MILES � reward miles every year as a CoverMe Term Life policyholder.

30-Day Money-Back Guarantee
If you are not completely satisfied with your CoverMe Term Life insurance policy, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled and your entire premium will be promptly refunded.

1 To be eligible for instant coverage, you must meet the approval guidelines of our health questionnaire.
2 Renewal premiums are not guaranteed. However, at each 10-year policy anniversary, when you renew at the then applicable premiums, your premiums will remain the same for the next 10-year term.
3 To be eligible for the CoverMe Term Life Living Benefit, you must be less than 83 years of age and your policy must be in effect for at least two years.

Apply Before Your Birthday

Your premiums are based on your gender, smoking status and your age at the time of application. Apply now. before your next birthday, and you will save money by locking in at a lower premium for the next 10 years.

Satisfaction guaranteed – or your money back!

Once you receive your CoverMe Term Life insurance policy, review it carefully. If you are not completely satisfied, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled, and your entire premium will be promptly refunded. No questions asked.

CoverMe Term Life Important Notice

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. Please review them carefully upon receipt.

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Welcome

Utah Social Security Disability Benefits Lawyer

At the Salt Lake City law firm of Ward Harper, Attorney at Law, we help people throughout of Utah, including Salt Lake City, Ogden, Provo, Orem, Logan, Vernal and Price, to establish their right to benefits under disability benefits programs run by the Social Security Administration. Contact our office for a free evaluation of your case.

The Social Security disability claims process can present many hurdles for people trying to establish their eligibility for benefits. I represent individuals throughout the claims process. At the third stage of the process, I represent claimants in hearings before administrative law judges to prove their disabilities and right to collect payment. I usually win by the administrative hearing stage. But if not, I appeal. I have taken cases all the way to the 10th Circuit Court of Appeals.

Success in SSDI and SSI Appeals

I have won 99% of my cases since January 2001. Through September 2010, this amounted to 940 wins and 8 losses. I have won 1665 cases since 1994. Attorney Ward Harper will personally represent you before a judge and make the decisions in your case, not an associate or paralegal.

No Legal Fees Unless We Obtain Benefits for You

I charge no attorney’s fee while we are working on your case. Our standard fee is 25 percent of past-due benefits when we collect them on your behalf, up to a maximum of $6,000, if we win before appealing to federal court, as we usually do. Future benefits are all yours. You therefore pay nothing up front to benefit from our experience and skill.

Ward Harper has focused on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) cases for his entire career as a lawyer (since 1988) and advocate for Utah Legal Services since 1984. With more than 26 years of experience and a proven record of success in Social Security benefits litigation, he can help you collect the benefits you need. Contact his office in Salt Lake City for a free evaluation of your claim .

Every legal matter is different. The outcome of each legal case depends upon many factors, including the facts of the case. An attorney’s success in past legal matters should not be relied upon to predict a successful outcome in your own case.

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The Rise of Medical Identity Theft

It began like an ordinary purse snatching. The credit card reader on the gas pump at her Houston neighborhood station wasn’t working, so Deborah Ford went inside to pay. By the time she returned to the car, her purse and wallet were gone. Ford filed a police report, canceled credit cards, and requested a new driver’s license and health insurance card. She checked with the bank several times to be sure nothing was funny, then forgot about it.

Two years later, the retired postal worker received an unsettling call from a bail bondsman; she was about to be arrested for acquiring more than 1,700 prescription opioid painkiller pills through area pharmacies.

“I had my mug shot taken, my fingerprints taken,” she says. Ford suffers from psoriasis. and she was so stressed that she broke out in the signature rash. “The policemen looked at my hands and said, ‘That’s what drug users’ hands look like.’ They just assumed I was guilty.”

Later, a judge dismissed the charges. “What saved me from going to jail was that I had filed that police report,” Ford says.

Turns out the thief altered Ford’s driver’s license and used that and her stolen health insurance card to go to doctors to seek prescription painkillers. Eventually, Ford says, a pharmacist became suspicious and called police.

“Boy, the thieves messed me up,” Ford says now of her lengthy and expensive ordeal, which began with the theft in 2008 and didn’t end until she got her name cleared of the arrest record last year. “Once they’ve got your identity, they’ve got you,” she says.

Inside Medical Identity Theft

Ford’s story is but one glimpse of what medical identity theft can look like these days and why it has become a fast-growing strain of identity theft, with an estimated 2.3 million cases identified in 2014, a number that’s up almost 22 percent from the year before.

Your personal health insurance information, including your Social Security number. address, and email address, is valuable and vulnerable. When it gets into the wrong hands it can be used to steal expensive medical services—even surgeries—and prescription drugs or to procure medical devices or equipment such as wheelchairs.

Your medical identity is a commodity that can be hijacked and used to falsify insurance claims or to fraudulently acquire government benefits such as Medicare or Medicaid. Your personal medical information may also be sold on the black market, where it can be used to create entirely new medical identities based on your data.

And more often than you might imagine, people outright share their own medical coverage with an uninsured friend or family member in need of care, which is against the law. (More on that later.)

Because current consumer protections aren’t specifically designed for medical identity theft, experts warn, people need to understand that they may have to take on extensive work to clear up fraudulent bills. Some frustrated victims of medical identity theft simply give up and pay the bills themselves.

But there’s another, far more dangerous problem with medical identity theft: The thief’s own medical treatment, history, and diagnoses can get mixed up with your own electronic health records—potentially tainting and complicating your care for years to come. And that isn’t a hypothetical problem.

“About 20 percent of victims have told us that they got the wrong diagnosis or treatment, or that their care was delayed because there was confusion about what was true in their records due to the identity theft,” says Ann Patterson, a senior vice president of the Medical Identity Fraud Alliance (MIFA), a group of several dozen healthcare organizations and businesses working to reduce the crime and its negative effects.

Havoc in Victims’ Lives

The long tail on medical identity theft can create havoc in victims’ lives. Take Anndorie Cromar’s experience. A pregnant woman reportedly used Cromar’s medical identity to pay for maternity care at a nearby hospital in Utah.

Soon, officials from child protective services assumed the infant—born with drugs in her system—was Cromar’s baby, and Cromar says the state, not realizing her medical identity had been hijacked, threatened to take her own four children away.

A DNA test she took helped to get her name off of the infant’s birth certificate, she says, but it took years to get her medical records corrected.

“That first stage was the most terrifying thing I’ve ever experienced in my life, getting the call from CPS and having them say, ‘We are coming to take your kids,’ ” Cromar told Consumer Reports.

An Insidious Kind of Fraud

Financial identity theft is nothing new: Perhaps you or someone you know has had to deal with undoing the mess that happens when someone illegally obtains your personal financial information and uses it to drain your bank account or rack up charges on credit cards fraudulently taken out in your name.

Setting credit accounts back to normal can be a hassle, but your money is, for the most part, protected under the Fair Credit Billing Act. You’re liable for only $50, at most, of unauthorized charges on a credit card if you follow simple notification steps. And there are defined reimbursement rules if money is illegally withdrawn with a stolen ATM or debit card.

But when consumers become victims of medical identity fraud, stopping the damage and clearing up the bills is much more difficult and time consuming.

Deborah Ford had to quickly figure out what had been done in her name and try to undo the damage. She got on the phone and wrote letters and even tried to track down doctors the criminal had used. “All I have is my name, my integrity,” she says.

Investigators later told her that the thieves were savvy at knowing the system, always waiting 45 days between trips to the same pharmacy to avoid being identified by store video. “They were so slick about it,” Ford says. ‘To this day, I don’t know who they were. But they were slick, that’s for sure.”

Spotting It, Preventing it

Experts say detecting the fraud in the first place can be the most difficult part. “Medical identify theft and fraud is much harder to spot than financial fraud,” says Michelle De Mooy, acting director of the Privacy Data Project at the nonprofit Center for Democracy Technology. “The bank calls you if they see charges in the system that raise an alarm. This kind of fraud is much easier to hide for a longer time.”

That’s why consumers need to be especially smart and careful about how and when they share their personal, medical, and insurance information.

Here are a few basic ways you can safeguard your medical privacy and identity: Read those explanation of benefits letters as if they were bank statements. Carefully check all of the correspondence you receive from health insurers and healthcare providers for accuracy and for bills of service that you don’t recognize. Also review your credit reports for unfamiliar debts. Be stingy with your personal health information, Social Security card, and insurance cards. If someone asks for them, inquire whether it is really necessary.

And don’t post news of an upcoming surgery on Facebook or other social media outlets, Patterson recommends. You can’t really be sure who might see it. Consider, for example, that a criminal could scoop up the notice of your impending hip replacement and add it to other information he or she can easily find about you online, creating a more robust, more exploitable personal profile. As Eva Velasquez, president and CEO of the ITRC, says, “Our rule of thumb is if it’s not something you’d want plastered on a billboard, don’t post it. Because essentially every single thing you post has that potential.”

All in the Family

Ronnie Bogle, a museum supervisor from San Jose, Calif. says that for more than a decade, he had no idea that his brother Gary had been stealing his identity to secure healthcare across several states.

Gary had a simple routine, Ronnie says: He would move to a new town or city, purchase a picture ID, then present the ID—along with Ronnie’s Social Security number—to get treatment, often at hospitals. Gary often claimed to be uninsured when he sought care. After he was treated, the bills were later sent to his given address, not Ronnie’s.

Ronnie told Consumer Reports that he only learned what Gary was up to in 2010 after applying for a new credit card and being turned down. He says his credit report contained listing after listing of unpaid debt—for his brother’s hospital visits and treatments over the years.

Eventually, Gary was arrested and pleaded guilty to 10 counts of criminal impersonation in California. He’s facing more charges in Washington state for allegedly stealing his brother’s identity there.

It has taken two years for Ronnie Bogle to straighten out his credit and get his brother’s medical bills off his financial record. “He destroyed my credit history multiple times,” Ronnie says.

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All Aboard Benefits

International Travel Insurance Quote

AAB International Travel Health Insurance


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US and International Weather Reports

At All Aboard Benefits, we have you covered. You’ll find all your travel health insurance needs. There are so many things that can go wrong when planning a trip, and most of them you have no control over. With the assistance of travel insurance, there are things about your planned vacations and business trips that we can help take charge of to put your mind at ease. Shield yourself from the inconvenience of any unfortunate occurrences waiting to happen. In this age, even the most polished trip and the most expensive holidays can become jeopardized by events that can be attributed to health concerns, misplaced luggage, car accidents, theft or the inability to seek assistance from local channels in the event of a natural disaster. We provide comprehensive insurance packages that satisfy every need and concern when it comes to your travel and health needs abroad and even on your local trips. At All Aboard Benefits our vision is to focus on critical assistance for your travels, with our extensive experience in providing world class health services and travel assistance.

All Aboard Benefits provides you with support services that are exactly what you need to get your problem solved and cover the expenses involved with no worries on your end. We provide an unmatched service that is composed of reliable assistance networks established within several locations around the globe. Contact one of or specialized agents today for a custom quote designed to meet your exact requirements.

Short Term Travel Insurance for Straightforward Coverage

We have an extensive list of short term international travel health insurance packages that will cover all your important medical benefits for US citizens and worldwide customers who are planning to make a short term visit abroad. Our coverage package includes insurance premiums that will shoulder your travel and medical protection for trips that have a minimum of two days and a maximum of up to three years. Our short term travel medical insurance options are extensive and cover you regardless of age. Find the appropriate short term travel health insurance plan that will suit your needs.

Long Term Travel Insurance for Living Abroad

Living and working abroad can present itself with challenges when trying to gain coverage for both travel and medical expenses out of your conventional HMO and local insurance policies. Our long-term travel coverage gives you the freedom to revel in comprehensive health and travel insurance protection when you are planning to stay abroad for a prolonged period, whether it is for business or pleasure. We provide this kind of insurance plan for all international and US citizens who are looking for permanent traveling insurance. Long term travel medical insurance is guaranteed renewable and is issued in a yearly period, special conditions apply for U.S. citizens looking to avail themselves of long term insurance (must reside abroad for at least six months in a year to qualify).

Senior Travel Insurance for Ages Up To 99

We look forward to the opportunity to provide you with comprehensive insurance that doesn’t discriminate against age, you can leave the country anytime you want with the assurance that our insurance policy will cover your medical and travel requirements. Peace of mind and the passion to live life to the fullest is what we can offer you through our helpful senior travel insurance policies. You won’t need to worry about spending a small fortune or tapping into your retirement fund for medical expenses that result from traveling. Enjoy your nest egg as it should be and take advantage of our plans that take care of you while you have the time of your life.

Student Travel Health Insurance

Studying abroad presents its risks and the constant challenge to find the right insurance package that will care for your entire medical and travel related problems. As an international student you are entitled to a generous and fully covered travel insurance protection that looks after your well-being. At All Aboard Benefits we extend our insurance policies to look into the bare minimum to meet our insurance criteria, making it a breeze for you to acquire a student travel insurance policy. We provide several insurance plans that have flexible terms and a wide selection of coverage systems that will truly make you feel at ease as you study in the school of your dreams.

Trip Cancellation Insurance

With the help of trip cancellation insurance you can feel save that your plans to attain trip cost settlement won’t run into any snags if you end up cancelling on vital trip plans in the event of health related issues, accidents and other events during your travels. Our trip cancellation insurance packages will provide you with recompense in events like a cruise interruption and in cases of cessation of services for a number of trip scenarios that may become an inconvenience for your business trip or paid vacation.

Travel Insurance Quotes

At All Aboard Benefits we provide you the safest way to get the quote that you need to make the right decision about the kind of insurance that you are considering. With free travel insurance quotes you won’t run into any risk and can have the flexibility to compare and see that our rates are the best in the business. All Aboard Benefits provides you with the best products with a detailed offering of insurance packages that details what you need to know and what fits best for your kind of trip. You can easily get an insurance quote from us online whenever you choose.

Here at All Aboard Benefits, we don’t just offer you the basics in travel and health insurance. We want to make sure that your enjoyment and peace of mind is at our top priority at all times which is why we have gone through extreme lengths to provide you with manageable rates that maximize the benefits and features of a great insurance quote. Our insurance plans make sure that you are equipped with the best possible insurance options wherever you are going. Your health and safety is what fuels our team to constantly innovate and come up with insurance plans that cover you from the time you step out of the international airport all the way till you get home safe.

2004 – 2017 – All Aboard Benefits Travel Insurance

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Police

Benefits

Benefits for San Diego Police Officers

  • Four-Day Work Week
  • 11 Paid Holidays per year
  • 13 Days Paid Annual Leave per Year to start (up to 21 days per year depending on length of service)
  • Shift differential pay
  • Educational incentive pay
  • Yearly uniform allowance
  • Flexible Benefits Plan (Includes Health, Dental, Vision)
  • Excellent Retirement Program – 3% at 55
  • 401K/Deferred Compensation Plans available
  • Tuition Reimbursement – $1000 per year
  • 30 Days Paid Military Leave per Year
  • Paid Overtime
  • Special Assignment Pay
  • Police Recruit $23.22/ hour – $48,000/ year
  • Police Officer I $26.04/ hour $54,000/ year to $28.59/ hour- $60,000/ year
  • Police Officer II $33.18/ hour $69,000/ year to $36.51/ hour $76,000/ year

For the latest salary information, visit the City of San Diego Personnel Department Salary Table

  • Chief of Police
  • Assistant Police Chief
  • Police Captain
  • Police Lieutenant
  • Police Sergeant
  • Community Relations Assistant to the Chief of Police
  • Detective
  • Police Officer III
  • Police Officer II
  • Police Officer I
  • Police Recruit (entry level)

Police Recruit – Entry level, no law enforcement experience required

Police Officer I – CA POST Certified academy graduate OR less than two years of patrol experience

Police Officer II – Two or more years of patrol experience

Benefits for Police Dispatchers

Starting salary for Police 9-1-1 Dispatchers is $16.36 an hour, plus incentive pay.

Police Dispatchers starting pay is $21.75 an hour, plus incentive pay.

Examples of incentive pay include:

  • Five percent shift differential;
  • Five percent Peace Officers Standards Training (POST) incentive (required);
  • Five percent 911 Emergency Dispatcher pay;
  • $.70 per hour bilingual pay;
  • $.90 per hour trainer pay;
  • $1000 per year of tuition reimbursement.

City of San Diego employees may join the Municipal Employees Association (MEA) which is the bargaining unit for benefits and pay raises. MEA members can receive legal representation and discount tickets to Knott’s Berry Farm, Magic Mountain, the San Diego Zoo/Wild Animal Park and other attractions.

City of San Diego employees receive 11 paid holidays per year and three weeks annual leave for the first five years of service.

The city offers a cafeteria-style benefits package where each employee is allotted a sum of money. Health insurance and life insurance are required for all employees unless covered by a spouse or significant other. Employees may select from approximately three choices of health-care providers.

The Communications Division operates 24 hours a day, 365 days a year. The shift schedules vary and can change depending upon the season. Communications full-time staff work four ten-hour shifts with three consecutive days off each week.

If you have additional questions about San Diego Police Department Recruiting, see the Frequently Asked Questions. call 619-531-COPS (2677) or email [email protected] .

If you have an emergency, dial 9-1-1.

To access 9-1-1 from a cell phone or outside San Diego, dial 619-531-2065.

For 24-hour non-emergencies, dial 619-531-2000 or 858-484-3154.

Estate Planning Council of Birmingham, Inc #estate #planning #birmingham, #estate #planners #birmingham, #estate #planning #attorney #birmingham, #al, #accredited #estate #planner, #certified #estate #planner, #personal #financial #planning, #charitable #planning, #corporate #tax #planning, #wealth #transfer #planning, #financial #planning, #retirement #planning, #executive #compensation, #deferred #compensation, #probate #administration, #trust #and #estate #administration, #business #succession, #estate #and #gift #taxation, #estate #income #tax, #securities #law, #investment #management, #will #contests, #fiduciary #income #taxation, #sale #and #tax #issues, #executive #benefits, #elder #law, #insurance, #equities, #mergers, #acquisitions, #litigation #support, #tax #defense, #attorney


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Welcome to the website of The Estate Planning Council of Birmingham!

The Estate Planning Council of Birmingham is a multi-disciplinary professional association organized to provide educational programs and networking opportunities for estate planning professionals in the community. Established in 1960, the Council s membership is currently comprised of more than 200 attorneys, accountants, bank trust officers, life insurance professionals, and financial planners. Others who work in the field of estate planning participate as associate members.

If you are seeking guidance regarding your estate planning, please use our membership list to assemble a team of professionals who are dedicated to their estate planning practice.

Meetings: 1st Thursday of each month

September through May

The Harbert Center

2019 4th Avenue North

Guests are welcome!

Continuing Education Credit: Up to 12 hours a year if all meetings are attended.

Membership application on left side of this page (Document Library).

Initiation Fee: $100.00

Annual Dues: $275.00

UPCOMING EVENTS

September 7, 2017

TOPIC: The Generous Business: How Families Use their Business as an Engine of Generosity

Michael King – National Christian Foundation

TOPIC: Advising Clients through the Toughest Times of Life

Amy Florian – Corgenius

What Is a Revocable Living Trust? #benefits #of #a #revocable #living #trust


#

What is a Revocable Living Trust?

Updated March 05, 2017

A revocable living trust — sometimes simply called a living trust — is a legal entity created to hold ownership of an individual s assets. The person who forms the trust is called the grantor or trustmaker, and in most cases, he also serves as the trustee, controlling and managing the assets he placed there. Some trustmakers prefer to have an institution or attorney acts as trustee, although this is somewhat uncommon with this type of trust.

A revocable living trust covers three phases of the trustmaker s life: his lifetime, possible incapacitation, and what happens after his death.

Phase One of a Revocable Living Trust: The Trustmaker is Alive and Well

The trust s formation documents should include specific provisions allowing the trustmaker to invest and spend the trust assets for his benefit during his lifetime. He can go about business as usual with the assets that have been transferred or funded into the trust s ownership, assuming he hasn t appointed someone else to act as trustee. In this case, the trustee would typically take direction from him.

The trustmaker reserves the right to undo a revocable trust — thus the term revocable. He can reclaim assets he s placed into it, divert the trust s income to himself or another beneficiary, sell the assets or place more assets into it. He maintains final control.

A revocable living trust does not have its taxpayer identification number, unlike an irrevocable trust — one where the trustmaker gives up all control.

A revocable trust and its trustmaker share the same Social Security number. Trust taxes are filed on the trustmaker s Form 1040, just as though he continued to hold ownership of the assets personally.

Phase Two of a Revocable Living Trust: The Trustmaker Becomes Mentally Incapacitated

The trust agreement should also specify what happens if the trustmaker becomes mentally incapacitated and can no longer manage his affairs and those of the trust.

The trust documents should name a successor trustee, someone to step in and take over management of the trust if the trustmaker is determined to be mentally incompetent. The successor trustee can then manage the trustmaker s finances and the assets that have been placed into the trust.

Phase Three of a Revocable Living Trust: The Trustmaker s Death

A revocable trust automatically becomes irrevocable when the trustmaker dies because he can no longer make changes to it. The named successor trustee steps in now as well, paying the trustmaker s final bills, debts and taxes, just as he would if the trustmaker became incapacitated. In the case of death, however, he would then distribute the remaining assets to the trust s beneficiaries according to instructions included in the trust s formation documents.

How a Revocable Living Trust Avoids Probate

The Internal Revenue Service and probate courts view revocable trusts a little differently. Because the trustmaker and the trust share the same Social Security number, assets placed in the trust do not avoid estate taxes. The trustmaker can reclaim them anytime he likes, so the IRS takes the position that he has not technically relinquished ownership as he would with an irrevocable trust, which does escape estate taxation.

The probate court says he has indeed relinquished ownership. He s given the assets to the trust, even though he could theoretically take them back. Assuming he hasn t done so as of his date of death, the trust s assets would not pass through probate. The successor trustee can settle the trust outside of court, without supervision.

Medicaid and Nursing Homes – Sean W #medicaid, #nursing #homes, #assisted #living, #asset #protection, #veteran #benefits, #alzhiemer’s, #parkinson’s, #dementia, #pinellas, #pasco, #lee, #citrus, #hernando, #elder #law, #elderlaw, #dcf, #veteran #benefits, #aid #and #attendance, #spend #down, #personal #care #contract, #florida #medicaid, #medicare, #100 #days, #diversion #program, #florida #long-term #care, #medicaid #waiver, #income #cap, #income #trust, #miller #trust, #durable #power #of #attorney, #alzheimer’s, #caregiver, #va #benefits, #va #contract, #estate #planning, #wills, #trusts, #durable #power #of #attorney, #dpoa, #health #care #surrogate, #living #will, #map, #nursing #home #locations, #nursing #home #ratings


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Getting old is not easy .

Help is on the way. A new set of challenges awaits as we grow older: Incapacity, the specter of mortality and nursing home care. Our primary focus since 1990 has been to help our clients avoid the financial ruin of long-term care expenses. The average cost of nursing home care in Florida is above $10,000 per month. If the nursing home is part of your reality, you must take action or be wiped out financially.

Quick Click and Go Links

We hope that the resources and information available on our site will help. Should you need more information or solutions including help with asset preservation and Medicaid qualification, please call our offices at 727-539-0181 and schedule a FREE consultation. We serve the ENTIRE state of Florida and teleconference or video conference with clients that cannot meet with us face-to-face.

Sean W. Scott, Esq.

Our Facebook Page

• Looking for a nursing home? Our new Florida Nursing Home Map makes it easy to find a nursing home. Now with star ratings and other data.

• New mobile site. Check it out on your iPhone and Android at FLMedicaid.com.

• NEW virtual law office at the University of South Florida Alzheimer’s Byrd Center. In addition to our offices in Pinellas county. Punta Gorda. and Inverness. The new virtual office allows us to meet directly with clients by video conference without having the client having to leave the center.

• New Facebook integration on our home page. Yay!

• Check out our aging and dementia store for a collection of books and products we find helpful for our clients including The 36-Hour Day.

​ TOTAL CLIENT SERVICE is our mission. The complexity of the issues facing aging clients and the need for integration of multiple disciplines defines and sets us apart from others who purport to do Medicaid filing or planning. These non-professionals often lack the training and experience to adequately meet the needs of the client and are often merely a way to sell financial investments to the client. Not only are the motivations questionable, but they cannot provide the legal services required such as powers of attorney, income trusts, and the complex estate planning that is necessary in every case. We serve the entire state of Florida with physical offices in Pinellas, Citrus, Lake and Charlotte Counties. Please contact us for a free, no charge, initial personal consultation, phone consult or video consult. More.

MEDICAID IN FLORIDA

An integral part of obtaining Medicaid benefits is meeting and understanding the Medicaid eligibility requirements. Income, assets, and transfers are the big three eligibility tests that the state uses to determine if you qualify for benefits. More.

Unfortunately there is a break down in our Medicare system when in comes to coverage for nursing home care. Medicaid helps fix the inadequacies of Medicare. Risk factors like Alzheimer’s and Parkinson’s make it critical to plan now, before placement if at all possible. More.

If you are looking for some quick answers to your Medicaid questions check out our Top Ten Medicaid Mistakes and The 2017 Medicaid Fact Sheet. While the issues of Medicaid are much more complex these resource are a great place to start. More…

OUR SERVICES

For over 25 years we have helped our clients preserve their assets when facing a stay in a nursing home or assisted living facility. By accessing Medicaid and or veteran’s benefits to pay for care, an entire life-time of savings are protected. More.

Everyone must have a plan in place in the event of death or incapacity. Powers of attorney, wills and trusts put a co-pilot in place and are a fundamental part of future planning. More.

Few of us have ever had to choose a nursing home or assisted living facility. To help, we have dedicated staff ready to consult concerning placement options and care plans. We also have created an on-line resource, the Florida Nursing Home Map to provide easy access to location and information on Florida nursing homes. More.

We have some great videos on Medicaid, powers of attorney, estate planning and other issues on our video page. Sometimes it is just easier to watch something than to do all this reading. Check them out. More.

If you can’t make it out to one of our live Medicaid seminars, we have a Medicaid audio recording to listen to. Note that it was not recorded this year so you will want to check out the most current Medicaid eligibility information. More.

Our passion is to educate our clients and the public. Come see a live Medicaid seminar at a location near you. Or attend our upcoming Webinars where you can participate right from your computer. Learn how to navigate the maze of Medicaid to pay the cost of care in a nursing home or assisted living facility. See our live seminar calendar. More .

For a limited time Sean’s Medicaid Handbook is available as a free download. Click to download a pdf version to read on your computer, iPad, Kindle or Nook. More . .

Overseas Military Car Program – Exclusive Military Benefits #auto #trade #in #value


#military auto sales
#

MILITARY CAR PROGRAM

    MAS PROGRAM
  • MAS EXPERIENCE
  • MAS ELIGIBILITY

Trust, respect, value, and convenience. At Military AutoSource (MAS) we will help you find the right vehicle, hassle-free, to fit your needs while providing you with the superior values and services the Military community deserves.

For over 50 years, we have provided our customers with a program that offers direct access to the widest range of factory military programs available to active duty military, civilian, DOD employees, and members of the diplomatic community stationed outside the United States. Our program offers U.S. Military overseas exclusive savings and benefits not available anywhere else. We are the exclusive on-base, factory-authorized distributor for American-made Chrysler, Dodge, Jeep, Ram, Ford, Lincoln, and Harley-Davidson vehicles. Our off-base foreign vehicle line-up includes the factory-authorized military programs for U.S. specification Mercedes-Benz, Toyota, Audi, Volkswagen, Honda, Nissan, and Infiniti vehicles.

Military AutoSource offers overseas military members the unique ability to take advantage of exclusive benefits, pricing, and custom-order vehicles, with delivery available stateside and overseas.

We are here for you every step of the way. Military AutoSource is proud to provide our American heroes with a car buying experience built on military values. Every step of your car buying journey signifies trust, respect and ensures your comfort, from the first time you meet with a vehicle consultant, to the exciting moment when you pick up your new vehicle. At MAS, our customers are our priority. We are here to advise you through every step of the car buying experience and to ensure you find the right vehicle to fit your needs. We stand by our mission to always do what is right for you and your family, providing you with the respect, value, reliability and service you deserve.

Our experienced and friendly vehicle consultants are available online 24/7 at militaryautosource.com, or you can visit one of our MAS locations: Ford, Chrysler, and Harley-Davidson products are located on-base; Mercedes-Benz, Toyota, Audi, Volkswagen, Honda, Nissan, and Infiniti dealerships are conveniently located outside U.S. military bases throughout Europe.

Whether you’re currently stationed abroad, returning to the United States or moving to your next post, Military AutoSource is here to provide the hassle-free car buying experience you deserve.

Thank you for protecting and serving the United States. We look forward to serving you!

You are there to serve our country; we are here to serve you. The Military AutoSource program is designed exclusively to fit the needs of military personnel currently stationed or deployed outside the United States. In order to access the exclusive benefits of the MAS program, you must be:

  • A member of the U.S. Military or civilian component (DOD or government contractor) on active duty, or member of the diplomatic community
  • Stationed overseas (outside of the 50 United States) on either PCS, TDY or other assignment orders of 30 days or more
  • Able to provide us with proof of your eligibility
  • Authorized to purchase through the Army and Air Force Exchange/Navy Exchange System for on-base orders made for Ford Military Group, Chrysler Military Group, and Harley-Davidson

Military AutoSource’s Navy and Diplomatic Programs

Military AutoSource is proud to serve our military and diplomatic communities with programs exclusively designed to fit the needs of our customers. If you are a member of the Navy, Foreign Service, Marine Security Guard or a U.S. Diplomat or Federal Employee stationed outside the United States, MAS will help you find the right vehicle through one of our specially tailored programs.

Navy Program

Diplomatic Car Program

The Diplomatic Car Program by MAS is a unique new vehicle purchase program, created exclusively for the Diplomatic and Foreign Service Community. Take advantage of our privileged diplomatic benefits and savings serving U.S. diplomats, members of the Foreign Service, Armed Forces, Marine Security Guards and any U.S. federal employees assigned to a U.S. Embassy or mission worldwide. LEARN MORE

What are the benefits of repossessed cars? #auto #car #sales


#repossessed cars for sale
#

What are the benefits of repossessed cars ?

Cars are some of the most indispensable machines in the lives of countless of people, and comprehensively ensure the smooth running of their lives. From conveniently navigation to your workplace to running an errand to the nearby store or even going to any other place, a car can be of significant help. It is, thus, extremely prudent when you might be on the look out for the right car for you to be capable of weighing the pros and cons in a impartial manner. And this will ensure that you obtain the right type of vehicle for your peculiar needs.

Most well informed drivers have been over the years turning to repossessed cars, which are sold on auction by most governmental institutions like police car auctions departments, the IRS, FBI or even the DEA. Such vehicles carry typical outrageous low price tags that can shock even the most astute car enthusiast, judging by the unmatched quality and condition of these vehicles. And they range from functional sedans, elegant SUVs to even trucks that are all in good working condition, and you can efficiently find the right vehicle that matches your preferences.

Don t assume that seized and bank repo cars are junk. Drug dealers drive nice big Cadillac Escalades that are not junk. People who have repossessed cars don t all mistreat their cars they just fell on hard times, lost jobs, got divorced, etc.

Most repossessed cars for sale are at the peak of their “lives” and are generally 2 or 3 years old, which ensures that you can still get the most out of them for many long years. Not to mention the fact that they are naturally impeccably maintained, and buying one wouldn’t obligate you to make drastic maintenance or repair jobs on them. In their eagerness to dispose of these vehicles, these governmental agencies can at times start auctioning them for up to 95% less than their real worth. And this can be a great boon to an informed and cautious buyer in making a real lucrative bargain.

On the other hand, due to the ongoing economic woes that have recently plagued the world, the sales of new cars has taken a deep plunge, which has invariably escalated the demand for functional and well maintained used vehicles. If recent statistics are anything to go by, it has been established that the demand for fuel efficient vehicles has particularly hit the roof. And this attests to the confidence most drivers have in these second hand vehicles .

To buy bank repossessed cars which are for sale, you can contact the bank or the auction house where the cars are being sold. Most banks and finance companies usually hand over repo cars to a professional auto auction company.

What’s more, the insurance you would ordinarily pay for repossessed cars is significantly lower than what you might foot for a new car. Most especially in collision and comprehensive car insurance policies, which can decrease the overall amount of money you might have to pay to put your used car on the road. It has also been determined that used cars depreciate at a much more slower rate than new vehicles. and you can undoubtedly get the most out of a well maintained used car. Here are some vital tips that can assist you in making an informed purchase of the vehicle that will befit your distinct needs.

Take careful thought of the cost you might incur

It is extremely imperative to ascertain just what type of car you can comfortably afford in your peculiar circumstances, and should you be obligated to dispose of your old vehicle, it can pay to reflect on its current worth in relation to the used vehicle you will ultimately purchase. It can be also wise to insist on getting accurate insurance quotes on the car you set your eyes upon, which will ensure you make a well informed purchase.

Find the repossessed car that fits your distinct needs

From the onset of contemplating to buy repossessed cars, you should always focus on the distinct features you might be searching for in the used car you want to buy. And this can include the specific model or design you are looking for, the engine capacity and performance you wish, its accumulated mileage, its seating capabilities, or even its cargo holding capacity.

It s fine to buy a repo car if you take someone with you who knows a bit about cars. Where repo cars are sold is different from place to place. Try Googling your city and car auctions or else looking up auctions in the phone book.

Make sure that you base your list of indispensable features on what is on the ground for your particular situation, which always helps in choosing the best vehicle that fits your immediate needs. It is also important while accomplishing this task, to keep your options open by considering 2 or 3 likely vehicles. This will ensure you have an infinitely easy time of narrowing down the line to the best vehicle for you. While still bearing in mind that different makes of the same class can at most times depreciate at varying rates. You should always go for the car that can hold on to its value longer, and it will, consequently, cost you a significantly lower price as the days go by.

Take time to ascertain the exact condition of the repossessed car you want to buy

It is important while assessing repossessed cars for sale, to always take time to acquaint yourself with its nitty gritty particulars, which can effectively guide you to make the right purchase. To this end, always ascertain the car’s model year, mileage or even the condition of its tires treads. As this can be an excellent way of determining just how long you will use it without necessitating maintenance checks.

Bank and loan companies sometimes sell repossessed cars to pay off defaulted loans. Quality varies from car to car. Since the vehicle is being sold to recover the amount due on a loan, it may be possible to get a good deal on a reliable car.

It can also be good if possible, to test drive the vehicle in question, and be on the close look out for its distinct handling performance, its braking capabilities or even its acceleration. You should also make a comprehensive background check on the used car you wish to buy, which will tell you a lot about the previous owner’s relevant history, its certified mileage, or if it has been subjected to major maintenance or repair works.

It is also of great import to ascertain if the vehicle has not been salvaged from a car accident, and you can do this by checking its identification number against the National insurance crime bureau’ s comprehensive database. This will ensure you get only the best and safest vehicle that matches your particular expectations. Finally, should it be advisable you can enlist the aid of a professional car shop to make an in-depth under the hood inspection to ensure that everything is in the right condition. There are many other elements to mention where this topic is concerened but the above is an insight.

Overseas Military Car Program – Exclusive Military Benefits #craigen #auto #parts


#military auto sales
#

MILITARY CAR PROGRAM

    MAS PROGRAM
  • MAS EXPERIENCE
  • MAS ELIGIBILITY

Trust, respect, value, and convenience. At Military AutoSource (MAS) we will help you find the right vehicle, hassle-free, to fit your needs while providing you with the superior values and services the Military community deserves.

For over 50 years, we have provided our customers with a program that offers direct access to the widest range of factory military programs available to active duty military, civilian, DOD employees, and members of the diplomatic community stationed outside the United States. Our program offers U.S. Military overseas exclusive savings and benefits not available anywhere else. We are the exclusive on-base, factory-authorized distributor for American-made Chrysler, Dodge, Jeep, Ram, Ford, Lincoln, and Harley-Davidson vehicles. Our off-base foreign vehicle line-up includes the factory-authorized military programs for U.S. specification Mercedes-Benz, Toyota, Audi, Volkswagen, Honda, Nissan, and Infiniti vehicles.

Military AutoSource offers overseas military members the unique ability to take advantage of exclusive benefits, pricing, and custom-order vehicles, with delivery available stateside and overseas.

We are here for you every step of the way. Military AutoSource is proud to provide our American heroes with a car buying experience built on military values. Every step of your car buying journey signifies trust, respect and ensures your comfort, from the first time you meet with a vehicle consultant, to the exciting moment when you pick up your new vehicle. At MAS, our customers are our priority. We are here to advise you through every step of the car buying experience and to ensure you find the right vehicle to fit your needs. We stand by our mission to always do what is right for you and your family, providing you with the respect, value, reliability and service you deserve.

Our experienced and friendly vehicle consultants are available online 24/7 at militaryautosource.com, or you can visit one of our MAS locations: Ford, Chrysler, and Harley-Davidson products are located on-base; Mercedes-Benz, Toyota, Audi, Volkswagen, Honda, Nissan, and Infiniti dealerships are conveniently located outside U.S. military bases throughout Europe.

Whether you’re currently stationed abroad, returning to the United States or moving to your next post, Military AutoSource is here to provide the hassle-free car buying experience you deserve.

Thank you for protecting and serving the United States. We look forward to serving you!

You are there to serve our country; we are here to serve you. The Military AutoSource program is designed exclusively to fit the needs of military personnel currently stationed or deployed outside the United States. In order to access the exclusive benefits of the MAS program, you must be:

  • A member of the U.S. Military or civilian component (DOD or government contractor) on active duty, or member of the diplomatic community
  • Stationed overseas (outside of the 50 United States) on either PCS, TDY or other assignment orders of 30 days or more
  • Able to provide us with proof of your eligibility
  • Authorized to purchase through the Army and Air Force Exchange/Navy Exchange System for on-base orders made for Ford Military Group, Chrysler Military Group, and Harley-Davidson

Military AutoSource’s Navy and Diplomatic Programs

Military AutoSource is proud to serve our military and diplomatic communities with programs exclusively designed to fit the needs of our customers. If you are a member of the Navy, Foreign Service, Marine Security Guard or a U.S. Diplomat or Federal Employee stationed outside the United States, MAS will help you find the right vehicle through one of our specially tailored programs.

Navy Program

Diplomatic Car Program

The Diplomatic Car Program by MAS is a unique new vehicle purchase program, created exclusively for the Diplomatic and Foreign Service Community. Take advantage of our privileged diplomatic benefits and savings serving U.S. diplomats, members of the Foreign Service, Armed Forces, Marine Security Guards and any U.S. federal employees assigned to a U.S. Embassy or mission worldwide. LEARN MORE

What are the benefits of repossessed cars? #kia #auto #parts


#repossessed cars for sale
#

What are the benefits of repossessed cars ?

Cars are some of the most indispensable machines in the lives of countless of people, and comprehensively ensure the smooth running of their lives. From conveniently navigation to your workplace to running an errand to the nearby store or even going to any other place, a car can be of significant help. It is, thus, extremely prudent when you might be on the look out for the right car for you to be capable of weighing the pros and cons in a impartial manner. And this will ensure that you obtain the right type of vehicle for your peculiar needs.

Most well informed drivers have been over the years turning to repossessed cars, which are sold on auction by most governmental institutions like police car auctions departments, the IRS, FBI or even the DEA. Such vehicles carry typical outrageous low price tags that can shock even the most astute car enthusiast, judging by the unmatched quality and condition of these vehicles. And they range from functional sedans, elegant SUVs to even trucks that are all in good working condition, and you can efficiently find the right vehicle that matches your preferences.

Don t assume that seized and bank repo cars are junk. Drug dealers drive nice big Cadillac Escalades that are not junk. People who have repossessed cars don t all mistreat their cars they just fell on hard times, lost jobs, got divorced, etc.

Most repossessed cars for sale are at the peak of their “lives” and are generally 2 or 3 years old, which ensures that you can still get the most out of them for many long years. Not to mention the fact that they are naturally impeccably maintained, and buying one wouldn’t obligate you to make drastic maintenance or repair jobs on them. In their eagerness to dispose of these vehicles, these governmental agencies can at times start auctioning them for up to 95% less than their real worth. And this can be a great boon to an informed and cautious buyer in making a real lucrative bargain.

On the other hand, due to the ongoing economic woes that have recently plagued the world, the sales of new cars has taken a deep plunge, which has invariably escalated the demand for functional and well maintained used vehicles. If recent statistics are anything to go by, it has been established that the demand for fuel efficient vehicles has particularly hit the roof. And this attests to the confidence most drivers have in these second hand vehicles .

To buy bank repossessed cars which are for sale, you can contact the bank or the auction house where the cars are being sold. Most banks and finance companies usually hand over repo cars to a professional auto auction company.

What’s more, the insurance you would ordinarily pay for repossessed cars is significantly lower than what you might foot for a new car. Most especially in collision and comprehensive car insurance policies, which can decrease the overall amount of money you might have to pay to put your used car on the road. It has also been determined that used cars depreciate at a much more slower rate than new vehicles. and you can undoubtedly get the most out of a well maintained used car. Here are some vital tips that can assist you in making an informed purchase of the vehicle that will befit your distinct needs.

Take careful thought of the cost you might incur

It is extremely imperative to ascertain just what type of car you can comfortably afford in your peculiar circumstances, and should you be obligated to dispose of your old vehicle, it can pay to reflect on its current worth in relation to the used vehicle you will ultimately purchase. It can be also wise to insist on getting accurate insurance quotes on the car you set your eyes upon, which will ensure you make a well informed purchase.

Find the repossessed car that fits your distinct needs

From the onset of contemplating to buy repossessed cars, you should always focus on the distinct features you might be searching for in the used car you want to buy. And this can include the specific model or design you are looking for, the engine capacity and performance you wish, its accumulated mileage, its seating capabilities, or even its cargo holding capacity.

It s fine to buy a repo car if you take someone with you who knows a bit about cars. Where repo cars are sold is different from place to place. Try Googling your city and car auctions or else looking up auctions in the phone book.

Make sure that you base your list of indispensable features on what is on the ground for your particular situation, which always helps in choosing the best vehicle that fits your immediate needs. It is also important while accomplishing this task, to keep your options open by considering 2 or 3 likely vehicles. This will ensure you have an infinitely easy time of narrowing down the line to the best vehicle for you. While still bearing in mind that different makes of the same class can at most times depreciate at varying rates. You should always go for the car that can hold on to its value longer, and it will, consequently, cost you a significantly lower price as the days go by.

Take time to ascertain the exact condition of the repossessed car you want to buy

It is important while assessing repossessed cars for sale, to always take time to acquaint yourself with its nitty gritty particulars, which can effectively guide you to make the right purchase. To this end, always ascertain the car’s model year, mileage or even the condition of its tires treads. As this can be an excellent way of determining just how long you will use it without necessitating maintenance checks.

Bank and loan companies sometimes sell repossessed cars to pay off defaulted loans. Quality varies from car to car. Since the vehicle is being sold to recover the amount due on a loan, it may be possible to get a good deal on a reliable car.

It can also be good if possible, to test drive the vehicle in question, and be on the close look out for its distinct handling performance, its braking capabilities or even its acceleration. You should also make a comprehensive background check on the used car you wish to buy, which will tell you a lot about the previous owner’s relevant history, its certified mileage, or if it has been subjected to major maintenance or repair works.

It is also of great import to ascertain if the vehicle has not been salvaged from a car accident, and you can do this by checking its identification number against the National insurance crime bureau’ s comprehensive database. This will ensure you get only the best and safest vehicle that matches your particular expectations. Finally, should it be advisable you can enlist the aid of a professional car shop to make an in-depth under the hood inspection to ensure that everything is in the right condition. There are many other elements to mention where this topic is concerened but the above is an insight.