What Can You Do With a Music Degree? 70 Careers – Salaries Revealed – Music School Central, what can you do with a masters in public administration.

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What Can You Do With a Music Degree? 70+ Careers Salaries Revealed

What can you do with a masters in public administration

The opportunities for a musician to succeed are so much larger than meets the eye.

It is true that orchestral/ensemble/solo performance as well as teaching are the two most popular careers in music.

While these career paths can be exceptionally rewarding to those who are passionate about the vocations of teaching and performing, the reality is that there are many, many more options that are available to those who have a music degree.

In fact, whether you can believe it or not, there are over 70+ exceptional and yes, lucrative careers you can pursue with a music degree.

That’s right over 70(!) careers are available to those with a music degree. I bet you never knew that.

It’s true that some of these careers might require functional knowledge outside of the core requirements of your music degree and possibly even require a specialized degree. For example, if you want to get a job as a grant writer for a music organization, working as an intern at a non-profit arts organization could provide you with the necessary skills for learning how to write grants. Also, taking a grant-writing class at your university could assist tremendously.

So let’s get into it. Here are 70+ careers, listed alphabetically, that are available for musicians who have successfully graduated with a music degree.

The Careers Salaries, Listed Alphabetically

A R Administrator

Provides high-level personal and administrative support to an A R (Artists Repertoire) Representative.

A R Representative

Scouts talent for record labels to sign to recording contracts.

Accompanist

What can you do with a masters in public administration

Performing in collaboration with an ensemble. Not entirely different from being a collaborative pianist.

  • Job Scenarios: Accompanying students in different music schools, ensemble auditionees, church choirs and congregations, dance classes, concerto rehearsals, and with other musicians in a collaborative setting.
  • Salary: Typically by the hour, usually between $30-75/hr.

Agent

Individual who books gigs for an artist or band/ensemble using relationships with clients such as club owners.

  • Job Scenario: Working directly with an artist or an artist management company.
  • Salary: Usually a commission of what the artist makes at the show, around 15%. A full-time agent can make great money in this profession, with the top agents in the world making millions.

Alexander Technique Instructor (Music)

Instructor who works with musicians showing them how to normalize levels of physical and mental tension in their performing.

  • Job Scenarios: Usually as an independent instructor.
  • Salary: Not very much data is available for this career, but a successful and active clinician in this field can make $40,000 $70,000+.

App Development

What can you do with a masters in public administration

Music apps are exceptionally popular and always need consulting, testing, and / or development from actual musicians.

  • Job Scenario: As an app developer or working on an app with another company, either a start-up or established business.
  • Salary: Employed app developers typically make between $80,000 $100,000 (Mashable)

Arranging

Musical reconceptualization. In other words, it can range from orchestrating a composer’s piano score to developing and reharmonizing a composer’s melody or song.

  • Job Scenarios: Many professional film composers have arrangers on their staff in order to complete a film score quickly. In jazz, we see people like Gordon Goodwin and Christian McBride making clever arrangements for big bands.
  • Salary: $20,000-$45,000 annually (Berklee College of Music Salary Guide)

Artist Manager

Negotiates business deals on behalf of the artist. Also has input on the creative and marketing ends of an artist.

  • Job Scenarios: Either independently or with an artist management company such as Columbia Artists Management.
  • Salary: Up to 50% of what the artist makes.

Arts Administration

Performs tasks for an arts organization. Can be as simple as basic clerical duties or as advanced as grant-writing and events planning.

  • Job Scenarios: Working in an arts organization. Some established arts organizations with large arts administration staffs include major orchestras and creative venues like the Brooklyn Academy of Music.
  • Salary: Between $30,000 and $50,000, with opportunities for advancement into higher positions in the organization.

Audio Engineer

What can you do with a masters in public administration

Audio production specialist concerned with how sound is manipulated, recorded, and mixed in an audio recording. For someone specializing in acoustic sound, please see sound / acoustic engineer below.

  • Job Scenarios: As a freelance recording engineer, in a college/university recording studio, in a commercial recording studio, etc.
  • Salary: Median pay is approximately $45,000, according to audioengineeringschools.net

Blogger

A journalist, writer, or commentator who writes about a specific subject and sells products, memberships, and advertising space on their websites.

  • Job Scenarios: Honestly, you should start your own blog if you want to get paid well writing articles for other people exclusively does not usually lend itself to a lucrative blogging career, unless you get a job at a place like Rolling Stone Magazine. Get a domain and hosting space from either BlueHost or GoDaddy, download a premium theme from Themeforest, and you are good to go.
  • Salary: $0 $100,000+ (It sounds crazy, but I know bloggers, albeit usually in other spaces, that make around a half million a year).

Broadcast Engineer

Oversees the “airchain,” or the complete path of an a/v signal from origin to destination, for a television or radio station. Requires a background in audio engineering and possibly knowledge in electrical engineering.

  • Job Scenario: Employed by a television company or radio station, or as an independent contractor.
  • Salary: Average is $70,000 (Glass Door)

Business Management

Starts and/or oversees the day-to-day operations of a music business, including a performing arts venue, nightclub, music store.

  • Job Scenarios: Overseeing various music businesses, such as record labels, clubs, performing arts centers, etc.
  • Salary: $45,000 $150,000+ (higher if you are an executive director)

Chamber Musician

What can you do with a masters in public administration

Performer in a classical chamber ensemble, either performing in an already established ensemble or starting up your own ensemble.

  • Job Scenario: Traditionally, chamber musicians would play recitals with acoustic instrument groups in concert halls. Today, the scene is rapidly changing, with many groups performing amplified in “downtown venues.” Some traditional chamber ensembles include the Guarneri String Quartet, the Canadian Brass Ensemble, etc. Less traditional and more innovative groups include the Kronos Quartet and the young entrepreneurial ensemble Groupmuse.
  • Salary: Varies tremendously based on a number of factors. Many chamber music groups make money in academic residencies, performing various gigs and weddings, merchandising their brand, selling cds, etc.

Want to know the true step-by-step method for attaining the music career of your dreams? Check out How to Start a Music Career The Ultimate Guide.

What can you do with a masters in public administration


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Welcome to Lee s Discount Auto Body

We are a small minority owned business with over 46 years of experience in the collision repair industry; we know how to get the job done quickly, and at an affordable rate. We have been at this location for over 16 years, and over the years we have done work for, and worked with all the insurance companies, but as times change we are now considered to small to be a direct repair facility for these same insurances.

It is Colorado law that everyone has the right to choose their own repair facility, and our work and name is recognized and approved by all insurance companies for anyone who chooses to use our shop for their repairs. In case of a major collision where the vehicle is not road worthy just call or have it towed here and we we will do everything necessary to restore your vehicle to it s original condition, and have it back to you as soon as possible. Or once an estimate is written by a representative of your insurance or theirs, you have the right to bring it here.

Fastest Turnaround on all major repairs.

FHA Mortgage Calculator – How Much Can I Afford? #auto #24


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Required Annual Income:

This does not include upfront mortgage insurance if needed. Your salary must meet the following two conditions on FHA loans:

  • The sum of the monthly mortgage and monthly tax payments must be less than 31% of your gross (pre-taxes) monthly salary.
  • The sum of the monthly mortgage, monthly tax and other monthly debt payments must be less than 43% of your gross (pre-taxes) monthly salary.

DISCLAIMER: The figures above are based upon current FHA program guidelines. FHA requires a 3.5% down payment as well as an upfront and monthly mortgage insurance in many cases. Other loan programs are available. Calculations by this tool are believed to be accurate, yet are not guaranteed. See upfront and monthly calculations: FHA Mortgage Insurance Requirements .

Helpful Answers are Ready:

Can I remove MIP from my FHA if my home value goes up?

My home value has risen enough within the last year to where what I owe is 80% of the current value of the home.

I had a bankruptcy not long ago. How long do I have to wait before applying for an FHA loan?

I put in an offer on a home and the contract was accepted. The processing of our loan took longer than necessary and the appraisal in now 90 days old.

Can I pay my FHA loan in full without being penalized or charged for early payoff of the loan?

I obtained an FHA loan in 2010 and recently inherited some money from my dad’s estate. It’s enough to pay off my mortgage loan.

SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #advance


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SHORT TRACK AUTO RACING. COM

SHORT TRACK AUTO RACING. COM

It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.

Lees Discount Auto Body – Quality auto body repair you can trust. (303) 451-5536 Over 40 years experience in the Metro Colorado area. Great work, excellent price, we also work with most insurance companies. #auto #zone.com


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Home

Welcome to Lee s Discount Auto Body

We are a small minority owned business with over 46 years of experience in the collision repair industry; we know how to get the job done quickly, and at an affordable rate. We have been at this location for over 16 years, and over the years we have done work for, and worked with all the insurance companies, but as times change we are now considered to small to be a direct repair facility for these same insurances.

It is Colorado law that everyone has the right to choose their own repair facility, and our work and name is recognized and approved by all insurance companies for anyone who chooses to use our shop for their repairs. In case of a major collision where the vehicle is not road worthy just call or have it towed here and we we will do everything necessary to restore your vehicle to it s original condition, and have it back to you as soon as possible. Or once an estimate is written by a representative of your insurance or theirs, you have the right to bring it here.

Fastest Turnaround on all major repairs.

FHA Mortgage Calculator – How Much Can I Afford? #auto #city


#bankrate auto loan calculator
#

Required Annual Income:

This does not include upfront mortgage insurance if needed. Your salary must meet the following two conditions on FHA loans:

  • The sum of the monthly mortgage and monthly tax payments must be less than 31% of your gross (pre-taxes) monthly salary.
  • The sum of the monthly mortgage, monthly tax and other monthly debt payments must be less than 43% of your gross (pre-taxes) monthly salary.

DISCLAIMER: The figures above are based upon current FHA program guidelines. FHA requires a 3.5% down payment as well as an upfront and monthly mortgage insurance in many cases. Other loan programs are available. Calculations by this tool are believed to be accurate, yet are not guaranteed. See upfront and monthly calculations: FHA Mortgage Insurance Requirements .

Helpful Answers are Ready:

Can I remove MIP from my FHA if my home value goes up?

My home value has risen enough within the last year to where what I owe is 80% of the current value of the home.

I had a bankruptcy not long ago. How long do I have to wait before applying for an FHA loan?

I put in an offer on a home and the contract was accepted. The processing of our loan took longer than necessary and the appraisal in now 90 days old.

Can I pay my FHA loan in full without being penalized or charged for early payoff of the loan?

I obtained an FHA loan in 2010 and recently inherited some money from my dad’s estate. It’s enough to pay off my mortgage loan.

Bankrupt Illinois – To Be Broken Up And Dissolved – Into Neighbor States #can #you #go #bankrupt #twice


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Home News Bankrupt Illinois To Be Broken Up And Dissolved Into Neighbor States

Bankrupt Illinois To Be Broken Up And Dissolved Into Neighbor States

The liberal state of Illinois is grappling with a full-fledged financial crisis and the only answer is to declare bankruptcy, break up the state and dissolve it into neighboring states, according to the Chicago Tribune.

Facing billions in unpaid bills and pension obligations, the state is hitting a cash crunch that is rare even by liberal Illinois standards, Gov. Bruce Rauner warning the state has entered banana republic territory.

We’re like a banana republic ,” Rauner said earlier this month, after the General Assembly failed, for the umpteenth time, to pass a budget package by the regular session deadline. “We can’t manage our money.”

But the problems are years in the making, caused in large in part by the state’s long-term liberal policies — which led Moody’s Investors Services to downgrade Illinois credit rating to the lowest of any state.

Illinois is like Venezuela now, a fiscally broken state that has lost its will to live , according to the Chicago Tribune.

But before we run out of the essentials, let s finally admit that after decade upon decade of taxing and spending and borrowing, Illinois has finally run out of other people s money .

The best thing to do is to break Illinois into pieces right now. Just wipe us off the map. Cut us out of America s heartland and let neighboring states carve us up and take the best chunks for themselves.

The group that will scream the loudest is the state s political class, who did this to us, and the big bond creditors, who are whispering talk of bankruptcy and asset forfeiture to save their own skins .

Since our neighboring states are doing better, taking Illinois jobs and businesses and Illinois workers and taxpaying families, they might as well just take the rest of Illinois, too, dammit.

Wisconsin can have Chicago and begin calling it South Milwaukee.

Reports have suggested the state could be the first to attempt to declare Chapter 9 bankruptcy but under the law, that’s impossible unless Congress gets involved.

U.S. Sens. Dick Durbin and Tammy Duckworth, both Democrats from Illinois, have so far refused requests for comment on whether they would consider getting involved in introducing a measure allowing state bankruptcy.

Illinois is the fiscal model of what not to do ,” Rep. Peter Roskam, R-Ill. told Fox News, while not commenting on the bankruptcy question. “This avoidance in behavior toward dealing with our challenges is what leads to the devastating impacts we are seeing today.

Latest posts by Baxter Dmitry (see all )

U.S. Sens. Dick Durbin and Tammy Duckworth, both Democrats from Illinois FUKING HILARIOUS. SOUND LIKE TWO CHARACTERS OUT OF A simpsons episode .only in america huh. only in stupid is as stupid does america no wonder it is going to be nuked its been a long time coming this state is only the tip of the iceberg hafukenha

Nuked? Only if from within, no country is crazy enough to commit suicide in an attempt at that. And God forbid the U.S. collapses, that s a shit ton of world ending weaponry on the loose. Europe and half of Asia would fall. Then Evil returns.

He doesn t care in fact, his moniker implies that s what he wishes. He s a hater of our nation.

We don t want their stupid voters to have any say in our economic policies. The ignorant self entitled voter broke it, now you live with it and sacrifice work twice as hard and fix it for your grandchildren. You already mortgaged your children s futures by taking more than you put in. No thank you we don t want any broken pieces of a state infected with Obama-itis.

Whomever gets Chicago gets the vast majority of Illinois self-centered, vote to steal from others group. Unfortunately, virtually every large city is predominantly composed of such lost souls.

let this state be a test to see what happens, first move is to stop paying all elected officials and there healthcare, they are the first ones to be chopped, then government workers and the benefits and since they are broke, loose it all so they now can use social security for retirement like everyone else. Let all government follow this role when they had busted the system with the payroll, benefits and other perks they have stolen from tax payers

Break up a state? First of all someone did not learn ANYTHING in civics! This will not happen. States cannot just Evaporate into others! Anyone touting this is a RUBE and they KNOW NOTHING! The way our territorial law is written YOU CANNOT SUBDIVIDE A STATE! Whoever is spouting this line needs to STFU already!

I am calling this for the BULL***T it is!

Easy does it KingOfAllAnimals . it s just satire.

Options Strategies And Your IRA Account #can #i #trade #options #in #my #ira


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Options Strategies And Your IRA Account

I receive many responses from readers of my option strategy articles. Recently one question keeps popping up, though in various forms. Do these strategies work with IRA accounts?

The simple answer is YES, to an extent. In some cases options actually work better in an IRA than in a taxable account.

One of the most common option strategies is the selling of a naked put instead of actually buying the underlying stock. The taxation of gain on any security (including options) that is sold short is at ordinary income rates. In an IRA this doesn’t matter as there is no current tax and all distributions are taxed at ordinary rates regardless of their initial source. So, from an IRA taxation standpoint there is no difference in selling puts and buying stock (though there may well be a difference in investment result).

In a taxable account the same doesn’t necessarily hold true. If you hold a stock long enough the dividends and any gain can be taxed at the lower long-term capital gains tax rate. Shorting a put is always taxed at ordinary rates and can be significantly higher. This is a factor that can reduce your net after-tax yield and should be factored into your planning.

Putting taxation aside, there are several limitations in IRA accounts you need to deal with. First is the margin account. Your IRA must establish a margin account if you are going to employ any strategy other than simply buying calls or puts. This is generally not a big deal but does require proper trading authority from the compliance department of your broker.

The simplest level of authority allows the selling of covered calls. This is really more of a stock strategy than an option strategy but I include it.

Next is the selling of “cash secured puts”. This is relatively easy to understand. Let’s say you want to buy 1000 shares of a stock trading at $15. This would require $15,000 in cash. Instead of an outright purchase you could chose to sell 10 puts (each put controls 100 shares). Your exposure is no greater than having bought 1000 shares for $15,000 and you need only “reserve,” or set-aside $15,000 of cash to enter this transaction. In essence, there is no leverage.

This is different than margin in a taxable account that can require as little as 25% in margin. Taxable margin accounts increase the leverage as much as four-fold. This is either good or bad, depending on which side you land on.

An additional limitation in an IRA account is the prohibition against short selling. Selling “naked calls” is similar to shorting the underlying and prohibited in IRAs. In a taxable account you can sell naked calls and just need to deal with margin requirements.

This means that those strategies that include selling naked calls can’t be used.

Strategies so limited include straddles, strangles, synthetic shorts and other derivations. Let’s say you wanted to sell a “straddle” on a particular underlying stock. This would require you to sell a put and a call at the same strike (usually at the same expiry, but not required). In a taxable margin account this would be permitted. The trade is “paired” and the margin requirement is computed on just one of the legs: the larger of the two.

This can be a very useful tool when a trade entered by selling a put turns against you. Selling a call can offset or reduce further losses. You use little or no margin. This can’t be done at all in an IRA margin account as a naked call can’t be paired with a put (it can be paired only with a long call).

Some readers might just “zone out” when talk turns to straddles and strangles. They often understand what they are but might not really understand how they can be used. Straddles and strangles can provide one of the easiest and most productive hedges available. Readers may want to review my article on using a strangle to hedge XLE to see these strategies in action. Unfortunately this technique isn’t available in IRA accounts.

This leads us to the available option strategies—spreads. Included in these are calendar spreads, diagonal spreads, vertical spreads and certain butterfly and condors that fully pair options. This requires a higher trading authority.

Let’s examine a vertical bull put spread to see the advantage of this higher trading authority. This strategy consists of selling a put at one strike and buying a protective put at a lower strike (both with same expiration). An example would be a stock trading at $25. You could sell 10 out-of-the-money puts with a strike of $24 and buy 10 protective OTM puts with a strike of $20.

If you did not have the higher trading authority it would break down as two separate transactions. 1) a cash covered put requiring $24,000 in reserve ($24 times 1000 shares) plus 2) a cash buy of the lower strike put. With the higher authority the margin requirement is simply the difference in strikes ($4) times the number of shares (1000) or $4,000.

Many of my portfolio strategies consist, in part, of buying far dated options and selling near dated or weekly options (calendar spreads). These spreads are all permitted in an IRA account and one need only take into account available margin balances. The IRA margin calculation for a calendar spread is the same as the vertical put. It is just the difference in strikes times the shares. So, if you bought 10 September OTM calls at $24 and sold 10 OTM December calls at $19 your margin requirement is $5000 ($5 strike differential times 1000 shares).

If you sold a call at a higher price than the one you bought, there is no margin requirement, just cash. It is viewed very much the same as a covered call.

Additionally, if you sell a put at a lower strike than the one you bought there is no margin, just cash.

Whenever spreads are used in an IRA account a trading complexity can exist.

Let’s say your IRA had $100,000 in total value broken down to $60,000 in stocks and $40,000 in cash. Let’s further say you wanted to enter into a bull put spread for 10 options on SPY (currently trading at $125). You sell ten OTM puts at a strike of $123 and buy ten protective OTM puts with a strike of $120. Your margin requirement is only $30,000 ($3 strike differential times 1000 shares) and well within your cash balance.

A snake lays waiting for you in the brush. Let’s say SPY drops and your ten puts are assigned. This means 1000 shares are bought at $123 for a total cost of $123,000 and you only have $40,000 in cash.

This isn’t too big a deal in traditional margin accounts as you can use margin to sell the shares. It doesn’t work that way with IRA margin and this presents a problem that may require you to liquidate other securities and suspend your trading privileges. You need to discuss how your broker will handle this to be sure you aren’t further restricted.

This requires constant monitoring of the extrinsic value of the option to determine its likelihood of assignment. When the extrinsic approaches just a few cents the assignment likelihood increases. If the likelihood is great, you need to pre-mpt the assignment by rolling the option beforehand. If you just use cash secured puts you never have to worry about assignment as there is always enough money to cover the assignment.

A similar problem can occur if you sell a call as part of a paired strategy and the call is assigned. You end up being short the underlying. Since IRAs can’t be short you need to cover the short immediately and need enough cash in your account to do so. If you don’t have enough cash you may encounter a trading violation and that restricts your future trading.

When various spreads allow you to trade options with a “sticker price” in excess of your account value (leverage) you need to monitor them carefully to make sure they aren’t assigned.

In conclusion, if you can secure the necessary trading authority many of the option strategies will be available to you. Margin requirements will restrict some of the leverage available when compared with taxable accounts. Assignment can also become a greater problem than a taxable account and requires monitoring. These are not major obstacles, but ones that need to be kept in mind.

Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

About this article:

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Online Class: Excel 2016

Course Description

Microsoft Excel is a spreadsheet program that comes packaged with the Microsoft Office family of software products. Just like the other programs by Microsoft, Excel can be used for a wide variety of purposes such as creating an address book, grocery lists, tracking expenses, creating invoices and bills, accounting, balance checkbooks and other financial accounts, as well as any other purpose that requires a spreadsheet or table.

This course will cover the many features of Excel 2016 and will teach you how to use them, starting with the simple and working to the most complicated. The good news is that Excel 2016 makes everything easy. By learning how to navigate the program and where to find each feature, operating Excel can become a breeze.

This course will teach you how to:

Create a spreadsheet

Format cells, rows, columns, and entire worksheets so they fit and match your data

Enter data into a spreadsheet

Use formulas and functions for math, accounting, and totaling.

Create formulas and functions

Calculate data

Create charts and diagrams for your data

Create data lists and forms

Create and use pivot tables and pivot charts.

Work with Excel templates

Share and protect your worksheets and workbooks

Use What-If Analysis to determine possible outcomes. For example, sales goals

And much more

This course was designed to teach you skills you’ll need to successfully use Excel 2016. Each lesson contains instructions and illustrations to show you how to use the features, then walks you through step-by-step so you can see how everything is done. You don’t need previous experience with Excel to be able to complete this course. This course will start with basic skills, then move forward to more advanced features and techniques. Although you do not need access to Excel 2016 for this course; it is highly recommended. A free trial of Excel 2016 is available on the Microsoft website.

7/3/2017 11:39:52 AM

Lesson 1: Introduction to MS Excel 2016

Excel can be used for a wide variety of purposes such as creating an address book, grocery lists, tracking expenses, creating invoices and bills, accounting, balance checkbooks and other financial accounts, as well as any other purpose that requires a spreadsheet or table.

  • Lesson 2: Navigating Excel 2016

    In this lesson, we’re going to focus on the major elements of Excel 2016 and take a few minutes to become familiar with their purpose.

  • Lesson 3: Worksheets and Workbooks

    Worksheets are stored in workbooks, and workbooks are the files that you actually save.

  • Lesson 4: Entering Information into MS Excel 2016

    Starting to enter information is as simple as clicking on a cell in the spreadsheet and typing, but there are some things that are helpful to know – and that you can do – before you ever type that first letter or number.

  • Lesson 5: Introduction to Working with Cells, Rows, and Columns

    If you want to move data from its original location and relocate it somewhere else, you must cut the data, then paste it somewhere else. You can cut or copy cells, rows, columns, or entire worksheets.

  • Lesson 6: Formatting Data and Cells

    Taking the time to format a worksheet can take it from the black and white page of data and gridlines to something that looks professional and attractive.

  • Lesson 7: Formatting Rows and Columns

    In Excel 2016, the width of a column is determined by how many characters that can be displayed within a cell.

  • Lesson 8: Editing Cells, Rows, Columns, and Worksheets

    Excel 2016 makes creating – and editing – spreadsheets a lot easier because correcting errors is easy mess free.

  • Lesson 9: Introduction to Formulas and Calculations

    If you use spreadsheets to do accounting for a business, track totals, invoice customers, or anything that requires mathematics, Excel’s ability to calculate formulas is going to save you errors and headaches.

  • Lesson 10: Working with Formulas and Functions

    In Excel, a function is a predesigned formula that does a certain calculation. This can make it easier because you don’t have to construct every formula yourself.

  • Lesson 11: Maintaining Worksheets

    It’s important to learn how to maintain your worksheets to help you keep on top of all the information.

  • Lesson 12: The What-If Analysis

    A what-if analysis lets you explore possibilities by entering possible values into the same equation so you can see the possible outcomes in the cells of your spreadsheet.

  • Lesson 13: Adding Images and Graphics

    You’ve already learned how to format a worksheet and enter information into Excel. Now we’re going to show you how to add elements such as graphics and images.

  • Lesson 14: Charts and Diagrams

    Charts and diagrams are tools you can use to visually represent the data in a worksheet.

  • Lesson 15: Creating Data Lists

    A data list or a database table are types of worksheets that aren’t used to calculate values, but to store information, such as names and addresses of clients or perhaps a library of books.

  • Lesson 16: Managing Data

    A form is simply a dialog box that lets you display or enter information one record (or row) at a time. It can also make the information more visually appealing and easier to understand.

  • Lesson 17: Pivot Tables and Pivot Charts

    A pivot table sounds more difficult and confusing than it really is. Most people say they don’t like pivot tables, or they don’t understand them. In truth, they’re not that difficult at all.

  • Lesson 18: Printing Worksheets and Workbooks

    Headers appear at the top of a worksheet. Footers appear at the bottom. Both can contain page numbers, and headers often contain the title of the worksheet and perhaps the date.

  • Lesson 19: Templates

    Templates are worksheets that are already designed for you.

  • Lesson 20: Protecting, Saving, and Sharing Workbooks

    Add protection to worksheets so that they can’t be edited by other people. You can lock cells or an entire worksheet.

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Excel 2016

    Course Number: 8900368

    Languages: English – United States, Canada and other English speaking countries

    Course Type: Computer Skill

    CE Accreditation: Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).

    Grading Policy: Earn a final grade of 70% or higher to receive an online/downloadable CEU Certification documenting CEUs earned.

    Assessment Method: Lesson assignments and review exams

    Instructor: UniversalClass Staff Instructor

    Duration: Continuous: Enroll anytime!

    Roth IRA Conversion Rules #can #i #contribute #to #a #rollover #ira


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    Roth IRA Conversion Rules

    Can you convert to a Roth IRA?

    One of the primary benefits of using a Roth IRA is that you don t pay income tax when you withdraw funds in retirement.

    Unfortunately not everyone meets IRS standards to contribute to a Roth IRA. The primary reason individuals are not allowed to contribute is because their incomes exceed the Roth IRA income limits. That s when it makes sense to look into a Roth IRA conversion.

    What happens instead is that many individuals who do not qualify for income reasons end up investing in 401(k) plans and Traditional IRAs. With a Traditional IRA you receive a tax break today, but pay income taxes in retirement. This is opposite of what happens with a Roth IRA. (Compare Roth IRAs and Traditional IRAs .)

    The IRS has always allowed certain individuals to convert their Traditional IRAs to Roth IRAs as long as they met specific qualifications and paid income tax on the conversion. But high-income earners were unable to convert until recently.

    No Income Cap to Convert Traditional IRA to Roth IRA

    In the past to be able to convert from a Traditional to a Roth IRA your income needed to be under $100,000. The IRS rules have changed and there is no longer an income cap in place.

    With the cap removed, high-income earners can now convert as long as they pay the appropriate tax on the conversion. There is no 10% early withdrawal penalty if the funds move from a Traditional IRA to a Roth IRA in a 60-day window.

    Roth IRA Conversion Taxes

    When you convert from a Traditional IRA to a Roth IRA, a process also known as creating a backdoor Roth IRA. you generally pay income tax on the contributions. The taxable amount that is converted is added to your income taxes and your regular income rate is applied to your total income. If the amount is large enough, it may raise your tax bracket for the year in which you do the conversion.

    Note that if the money in your Traditional IRA is post-tax money (you did not take a deduction on the money you contributed), you may not owe tax when you convert to a Roth IRA. Discuss this carefully with a financial advisor.

    Why Convert to Roth IRA?

    Tax-savvy investors want to pay as little income tax as possible. Converting to a Roth IRA allows you to make smart tax moves that will save money in the long run.

    If you anticipate your income dropping significantly in a certain year (and increasing in following years), you could plan a conversion for the low-income year. Since your income is lower, you may be in a lower tax bracket when you convert.

    Similarly, if the government announced tax-rate increases to go into effect in the following year, a conversion in the current year would save income tax.

    Converting to a Roth IRA will guarantee that you will owe no additional income tax on the converted funds—and any money those funds will earn before you withdraw them—during retirement. The balance in your portfolio will be what you can tap in retirement, and you won t have to calculate an after-tax balance.

    Convert to Roth IRA, Not Eligible

    Even though high-income earners can convert to a Roth IRA, they may not be able to contribute additional funds. Roth IRA eligibility rules will still be in place for any future contributions.

    Minority Nurse – Diversity in Nursing, can i be a nurse.#Can #i #be #a #nurse


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    can i be a nurse

    Can i be a nurse

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    Are We “Poaching” Jamaican Nurses?

    The government of Jamaica has asked the United States health… Read more

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    Nurse Educator Receives Two Prestigious Awards for his Commitment to Mentoring Nursing Students

    Having a strong mentor and academic advisor can make a… Read more

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    What Jobs can you get with a Nursing Degree? #what #jobs #can #you #get #with #a #nursing #degree,what #can #you #do #with #a #nursing #degree,nursing #degree #jobs,nursing #graduate #jobs,nursing #major #jobs,nursing #career,nursing #degree,nursing


    #

    What Jobs can you get with a Nursing Degree?

    You need a degree in nursing to qualify for various careers and jobs in the healthcare sector.

    What Jobs can you get with a Nursing Degree?

    Are you thinking of having a nursing degree and want to have a detailed note of the jobs you can get with it? If yes is your answer, then you are in luck today for finding this page.

    This post shows you what you can do after completing a nursing degree; it details the jobs for each degree level – Associate’s, Bachelor’s, Master’s, and Doctorate degree – and also provides the salary to expect on the jobs.

    About the Nursing Career

    A nursing career is one of the few jobs with an unwavering demand in the society. According to the 2013 Global Burden of Disease Study, over 95% of the world’s population is ill and at the aid of the numerous ill ones around the globe are nurses.

    Nurses bear the responsibility of assisting people in regaining their health; they provide care to the unwell usually in hospitals and also in various other areas such as in schools, military, prison, and corporations.

    The nursing profession sometimes is perceived not just as a career but as a calling because it requires a level of passion for someone to dedicate his/her life to be a vital part of the treatment, welfare, and recuperation process of the ill, the near-ill, and the near-death patient.

    Little wonder some to refer to it as the most trusted profession while some others label it a noble profession.

    A nursing degree indeed holds a positive job outlook for prospective graduates as a nursing career is among the few jobs that are well-paying.

    It offers good job security and provides a flexible working plan.

    The U.S Bureau of Labor Statistics predicts a whopping 16% job growth rate (439,300 jobs) for registered nurses with an annual median salary of up to $67,490.

    That’s why it’s no surprise a nursing degree is one of the most popular courses among prospective undergraduates.
    In the U.S, it ranks third most popular college major according to MatchCollege and USATodayCollege.

    It also takes the seventh and eighth place as the most popular college degree in the U.K and Australia respectively as published by The Telegraph and Rediff.

    As a step towards actualizing a nursing career dream, students enroll for a 2-year Associate’s degree program in nursing.

    This exposes them to knowledge of patient care, helps them grow confidence with patient handling, as well as taking good clinical decisions.

    What can you do with a Nursing Associate’s Degree?

    Nurses with Associate’s degrees usually secure hospital jobs while some others work in health agencies, schools, insurance agencies, and social service.

    Nurses with an Associate’s degree qualify for job positions as:

    • Neonatal Nurse: They specialize in providing healthcare to newly born babies. They assist mothers in feeding and bathing their babies; they also take care of premature babies and those with defects or illnesses by fixing them up with oxygen and intravenous fluids. They also monitor infants to detect any abnormality and act accordingly. Part of the responsibilities of nurses includes communicating with infants’ parents in order to enlighten and assist them.
    • Intensive Care Unit Nurse: They are responsible for closely observing and monitoring patients with life threatening issues; they administer anesthetics and analgesics in the appropriate dose; they provide ventilatory support and are quick in providing medical assistance to patients in critical health condition. Their duties also include updating patients/patient’s family on the current health status so they can take the best decisions.
    • Emergency Room Nurses: They specialize in providing quick response care to patients in sudden life-threatening condition. They help stabilize patients, reduce pain, and figure out the cause of a medical condition so that treatment can commence.
    • Telemetry Nurse: Their duties involve monitoring and providing care to patients in the telemetry unit who are placed under electrocardiogram, ventilator support or blood pressure monitors. They provide medications and assist patients recovering from either cardiac, neurological or lethargy issues.

    Payscale pegs the annual median salary of registered nurses with Associate’s of Applied Science (AAS) at $50,000 while registered nurses with Associate’s Degree (ADN) earn as much as $58,087.

    Although you can get a job with an Associate’s degree in nursing, some nursing career levels require at least a baccalaureate. This aids you in professional advancement to managerial roles and increases your earning power.

    What can you do with a Nursing Bachelor’s Degree?

    With a Bachelor’s degree in nursing, you secure job positions as:

    • Mental Health Nurse: Their responsibilities include providing psychological care to patients, interacting with them to discover the source of their emotional upset, administering medications, and providing therapy sessions for them.
    • Paramedic: They are at the frontline of medical support and provide quick on-scene medical treatment, preparing a patient for further medical attention. They are tasked with the responsibility of keeping emergency patients alive and ready to receive proper medical treatment.
    • Health Service Manager: Their duties involve overseeing the hiring, recruitment, and management of clinical and administrative staff. They ensure the implementation of health policies in an organization, as well as monitoring the quality of service rendered to patients.
    • Midwife: The job specification of a midwife involves providing antenatal and postnatal care to mother and child, ensuring that both survive the periods before birth and after birth. They also counsel and give insights on conditions such as neonatal issues, miscarriage, and stillbirth.
    • Children’s Nurse: They administer medications, take vitals of patient, fix up intravenous fluids and explain treatment of wards to parents. They also offer advice on best ways to aid a child’s recovery process.
      Payscale projects the annual median salary of registered nurses with a Bachelor’s degree to be $60,369.

    The U.S Bureau of Labor Statistics on the other hand predicts an annual median salary of $67,490 for nurses with Bachelor’s.

    To cement your footing in a nursing career, a Master’s degree is very essential. With Master’s in nursing, you stand a chance of securing leadership positions, enjoying increased job prospects, as well as becoming an expert in the nursing field.

    What can you do with a Nursing Master’s Degree?

    Some of the positions you can occupy with a Master’s degree in nursing include:

    • Nurse Practitioner: They specialize in the diagnosis, treatment and prescription of drugs to patients. They also provide medical care and guidance to patients, communicating effectively with them on how to improve their health. They earn as much as $86,735 on average annually.
    • Nurse Administrator: They perform managerial duties of employee supervision, overseeing the welfare of patients, as well as taking decision as relates to business and workplace policies. They earn a median salary of up to $117,646 annually.

    What can you do with a Nursing Doctorate Degree?

    Nurses with a doctorate degree occupy top level positions as nurse executive, nurse researcher, and college instructor, or as a clinical nurse specialist.

    Without a doubt, a nursing degree offers fantastic benefits ranging from good job security to attractive income and the personal satisfaction of saving lives.

    What would you like to do with a nursing degree? Let us know which of the nursing jobs strikes your interest, please leave your comment in the box below .

    PASS Support Site – What is PASS? #abortion, #abortion #stress, #post #abortion #stress #syndrome, #post #abortion #stress, #healing, #post #abortion, #post-abortion, #help, #abortion #grief, #abortion #loss, #decision, #decide, #guilt, #support, #depression, #grief, #pass, #infertility, #pregnancy, #after, #how, #do, #i, #heal, #an, #where, #can, #find, #support, #stress, #suicide, #message #board, #discussion #forum, #discussion #board, #chat, #chats, #chat #room, #bbs, #woman, #women, #email, #email #lists, #email #groups, #support #groups, #abortion #resources, #prolife, #prochoice, #regret, #remorse, #health, #mental #health, #survey, #fetus, #depression, #psychosis, #emotion, #emotional, #pregnant, #anti-depressants, #pregnancy, #crisis #pregnancy, #childbirth, #fetus, #embryo, #disorder, #forced, #coerced, #eating #disorder, #post #traumatic #stress #syndrome, #feminism, #pro-life #feminism, #rights, #women’s #rights, #pas, #relationships, #message #boards, #pmdd, #pre #menstrual #dysphoric #disorder, #pms, #post-partum #depression, #ppd, #ptss, #post #traumatic #stress #syndrome


    #PASS is an acronym for Post Abortion Stress Syndrome. PASS is an unofficial name, because it is not officially recognized by the medical community yet. Some sections believe in PASS, others do not. Until enough studies have been done to confirm it’s ‘existence’, the syndrome is still ‘unofficial’. This does not mean it does not exist! For more details on PASS, and why it’s not “officially recognized” yet, see the following sections:

    • Stages, Symptoms FAQs about PASS

    After an abortion, how do you recover? How do you deal with the intense feelings of sadness and grief that some women feel? What do you do if you have even more serious complications after an abortion? You’re not alone, and help is available! Post Abortion Stress Syndrome (PASS) is the name for a condition that can affect women after an abortion. Not every woman who has an abortion is affected by it. Some women who have abortions feel peaceful about their decision beforehand, relieved afterwards, and then live the rest of their lives with no regrets. Other women may have a different experience, and may have a more difficult time recovering after an abortion. When a woman has an abortion, it’s possible that the woman will have some normal feelings of grief, guilt and loss. If the feelings become severe, or persist for a long period of time, she may be suffering from Post Abortion Stress Syndrome (PASS). “PASS” is different from ‘normal feelings’ of loss and depression immediately following an abortion. How is it different? When is it PASS and not just ‘normal feelings’?
    When the reactions and feelings in the first 3 months following an abortion are severe, causing such problems as:

    • Self-harm, strong suicidal thoughts or suicide attempts
    • Increase in dangerous and/or unhealthy activities (alcohol/drug abuse, anorexia/bulimia, compulsive over-eating, cutting, casual and indifferent sex and other inappropriate risk-taking behaviors)
    • Depression that is stronger than just ‘a little sadness or the blues’
    • Inability to perform normal self-care activities
    • Inability to function normally in her job or in school
    • Inability to take care of or relate to her existing children or function normally in her other relationships (i.e. with a spouse, partner, other family member or friends)
    • A desire to immediately get pregnant and ‘replace’ the baby that was aborted, even when all the circumstances that led her to ‘choose abortion’ the first time are still in place.

    So having a severe reaction immediately after an abortion can be classified as “PASS” and not just ‘normal feelings’. What can also be described as PASS is when a woman has the problems listed above, and they continue after the abortion for months, and sometimes years.
    Other PASS problems could include short and/or long term problems with:

    • emotions, and dealing with emotional issues
    • struggles with depression
    • continued suicidal thoughts or attempts
    • anxiety and panic disorder
    • addictions of all kinds
    • difficulty sleeping and sleeping problems
    • disturbing dreams and/or nightmares
    • problems with phobias, or increase in severity of existing phobias
    • eating disorders
    • “replacement baby” syndrome
    • repeated unplanned pregnancies with additional abortions
    • repeated unplanned pregnancies carried to term
    • “atonement marriage”, where the woman marries the partner from the abortion, to help justify the abortion
    • trouble with relationships and dealing with partners
    • distress at the sight of other pregnant women, other people’s babies and children
    • inability to deal with or socialize with other pregnant women, other people’s babies and children
    • codependence and inability to make decisions easily
    • problems with severe and disproportionate anger
    • work and school problems (unable to function normally)
    • problems bonding with and caring for existing children or new babies
    • distress and problems with later pregnancy
    • added emotional issues and problems when dealing with future infertility or other physical complications resulting from the abortion.
    • unhealthy obsession with excelling at work or school, to justify the abortion

    For more details about PASS, see:

    • The PASS Quiz
    • Frequently asked questions about PASS (includes stages and symptoms)
    • My “PMDD real and PASS not?” article

    Some PASS problems can be severely disruptive to a woman’s life, and PASS can trouble her for months and even years after her abortion. The good news is that women can recover from PASS, can learn to heal from their abortion, and can go on to have happy, healthy productive lives. Women are usually afraid or embarrassed to even admit to having an abortion, let alone talk to anyone else about problems she might be having. Women are encouraged to think it is ‘their fault’ if they have trouble after an abortion, and that the abortion itself had nothing to do with how she feels, and that PASS is just some ‘anti-choice myth’.

    It’s interesting how if a man goes off to a war, and comes back with “PTSS” (Post Traumatic Stress Syndrome), we don’t ‘blame the man’, and ‘protect’ the war, we admit it was the war that caused PTSS. We don’t refuse to help the man, and belittle him or invalidate his pain by saying he had ‘previous psychological problems’, or other issues in his life that caused the PTSS, and we don’t tell him that what he is struggling with “doesn’t exist” – we admit it was the whole stress and experience of war, and we help him, support him, allow him a name for his experience and treat him to help him recover. Yet when a woman has an abortion, and is traumatized by the whole experience, and develops “PASS” (Post Abortion Stress Syndrome), people are quick to ‘blame the woman’, and “protect abortion”, and claim there’s no way the abortion could have caused this, the woman must have had pre-existing problems, and it’s ‘her fault’ she is suffering. And the woman is left alone to suffer, with no help, treatment, support or a name for her experience. The fierce war between people who have differing views on the legality of abortion has turned into a war that is hurting women, as people go out of their way to minimize women’s problems after an abortion, and “blame the woman” for any trouble she is having. I am in the middle with my views, as I believe that abortion should remain legal and safe, and that every woman has the right to make her own choices concerning her body and her life. However, people need to know that Post Abortion Stress Syndrome is a real medical issue, and can cause serious emotional or physical complications after an abortion.

    Where Can I Earn a Criminal Justice Degree in Chicago, Illinois? #where #can #i #earn #a #criminal #justice #degree #in #chicago, #illinois?


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    Where Can I Earn a Criminal Justice Degree in Chicago, Illinois?

    Learn about criminal justice degree programs in Chicago, IL. Get information about programs available and requirements to make an informed decision about your education. Schools offering Criminal Justice degrees can also be found in these popular choices.

    If you’re seeking a criminal justice degree in Chicago, Illinois, you can find a number of programs at both the undergraduate and graduate degree levels offered by several different universities in the area.

    What You Need to Know

    Both undergraduate and graduate criminal justice degree programs are available in the Chicago area. Bachelor’s degree programs may have online courses, and your curriculum includes general education requirements. Earning this degree is a 4-year commitment, and most programs offer a few concentration options.

    Master’s degree programs are also available, and some offer a non-thesis option, which requires you to complete extra coursework and pass a comprehensive exam. Most master’s programs take two years of study. Doctoral programs are also available, and earning this degree takes five years if you already have a master’s. You have an option of specialization, and you’re required to write a dissertation.

    Criminal Justice Bachelor’s Degree Programs in Chicago, IL

    Loyola University – Chicago

    Loyola University operates on four campuses in the Chicago area. Through the Department of Criminal Justice and Criminology you can earn a Bachelor of Science (B.S.) in Criminal Justice and Criminology. This program focuses on corrections, courts and law enforcement. Your required classes may cover topics like criminal behavior, police operations, criminal law and criminal procedures.

    • Program: Bachelor of Science in Criminal Justice and Criminology
    • Program Length: Four years full-time
    • Tuition: $40,426 during the 2015-2016 academic year
    • School Type: 4-year, private not-for-profit, approximately 15,900 students (about 10,300 undergraduate)

    Roosevelt University

    Several levels of required courses divide the Bachelor of Arts degree program, one of two criminal justice programs at Roosevelt University. For instance, core courses of the lower division focus on the study of juvenile justice, criminal law and the introduction to both corrections and criminology. Upper division courses include the study of ethics, crime and research methods. Electives include courses in criminal justice technology, profiling and white-collar crime.

    The Bachelor of Professional Studies in Criminal Justice degree program at Roosevelt University provides a broad curriculum that may be completed online. Seminars in quantitative reasoning, the social sciences, humanities and natural sciences are also required, as is a senior thesis.

    • Program: Bachelor of Arts or Bachelor of Professional Studies (BPS) in Criminal Justice
    • Program Length: Four years full-time
    • Prerequisites: You must be 24 years of age at the start of the BPS program
    • Tuition: $27,300 during the 2015-2016 academic year
    • School Type: 4-year, private not-for-profit, approximately 6,000 students (almost 3,800 undergraduate)

    Saint Xavier University

    The Department of Sociology, Anthropology and Criminal Justice offers a Bachelor of Arts in Criminal Justice. This program prepares you to work in the fields of security, corrections, probation or law enforcement. In the program, you complete courses in probation and parole, law enforcement and society, writing in criminal justice, criminology, criminal law, corrections and statistics.

    • Program: Bachelor of Arts in Criminal Justice
    • Program Length: Four years full-time
    • Tuition: $30,920 for the 2015-2016 academic year
    • School Type: 4-year, private not-for-profit, approximately 4,000 students (almost 3,000 undergraduate)

    University of Illinois at Chicago

    The criminology, law and justice major at the University of Illinois at Chicago requires 120 credit hours to earn the bachelor’s degree. Minors in criminology, law and justice and law and society are both available options. Major requirements include courses in criminal law, criminology, criminal justice organizations and research methods. You can also choose to participate in a course focused on the police, courts or corrections.

    • Program: Bachelor of Arts in Criminology, Law and Justice
    • Program Length: Four years full-time
    • Tuition: $13,664 for residents and $26,520 for non-residents during the 2015-2016 academic year
    • School Type: 4-year, public, almost 28,000 students (over 16,700 undergraduate)

    Criminal Justice Master’s Degree Programs in Chicago, IL

    Loyola University – Chicago

    You can earn a Master of Arts (M.A.) in Criminal Justice and Criminology through Loyola University’s Department of Criminal Justice and Criminology. This program includes required coursework in politics and policy in criminal justice, crime and delinquency, statistics and ethics. It’s designed to prepare you for administrative or managerial careers in the criminal justice field. You can jointly earn both the B.S. and the M.A. through a 5-year accelerated program.

    • Program: Master of Arts in Criminal Justice and Criminology
    • Program Length: Two years full-time
    • Tuition: $18,886 during the 2015-2016 academic year
    • Requirements: Bachelor’s degree
    • School Type: 4-year, private not-for-profit, approximately 15,900 students (about 10,300 undergraduate)

    University of Illinois at Chicago

    The Master of Arts program at the University of Illinois at Chicago requires a minimum of 40 credit hours to earn the degree. Electives include seminars in the field of criminal justice and a minimum of 12 credit hours is required. While this program does not offer a thesis option, additional coursework and a comprehensive examination are required.

    • Program: Master of Arts in Criminology, Law and Justice
    • Program Length: Two years full-time
    • Tuition: $16,527 for residents and $25,386 for non-residents during the 2015-2016 academic year
    • Requirements: Bachelor’s degree
    • School Type: 4-year, public, almost 28,000 students (over 16,700 undergraduate)

    Criminal Justice Ph.D. Programs in Chicago, IL

    University of Illinois at Chicago

    This terminal degree program requires 96 credit hours beyond the requirements of a baccalaureate degree. There are three areas of specialization and a dissertation is required. You can also complement this degree program by taking courses in either violence studies or gender and women’s studies. You can pursue this degree after earning a bachelor’s degree, but keep in mind that you will have to meet the requirements of both the Master of Arts and Ph.D. programs.

    • Program: Doctor of Philosophy in Criminology, Law and Justice
    • Specializations: Law and society, criminology, organizations and administration
    • Program Length: Five years full-time
    • Tuition: $16,527 for residents and $25,386 for non-residents during the 2015-2016 academic year
    • Requirements: Bachelor’s degree (master’s degree preferred)
    • School Type: 4-year, public, almost 28,000 students (over 16,700 undergraduate)

    In summary, Loyola University – Chicago, Roosevelt University, Saint Xavier University, and the University of Illinois at Chicago all offer degree programs in criminal justice in Chicago, Illinois.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

    I love boobies! #where #can #i #get #a #breast #cancer #bracelet


    #

    i love boobies!

    i love boobies!

    THE ORIGINAL KEEP A BREAST I LOVE BOOBIES!
    program has put the message of shame-free breast awareness in the global spotlight. Millions of young people are wearing the message on our signature i love boobies! bracelets, and many of them are talking, blogging and writing about breast cancer awareness for the first time. We designed the program to spark a dialogue, and both the American Civil Liberties Union (ACLU) and a U.S. District Court have joined in to voice their support of i love boobies!

    Imitation may be the sincerest form of flattery, but don’t be fooled by knock-off merchandise! We’ve located manufacturers from China to San Francisco who are producing fake i love boobies! gear. But only the proceeds from our i love boobies! merchandise is directed back to breast cancer education and awareness programs. Purchase our original i love boobies! bracelets, T-shirts, hats and other items either online from our online shop here. from partner retailers such as Tilly’s and Zumiez, or directly from our Traveling Education Booth, located at official KAB events or festivals like the Vans Warped Tour.

    i love boobies! is KAB’s signature breast cancer outreach and awareness program. We want to remove the shame associated with breasts and breast health, and this message represents our positive approach to breast cancer dialogue. The program resonates with young people, and encourages them to be open and active about breast cancer prevention.

    The program gives young people impacted by breast cancer the chance to express and connect with others. Wearing an i love boobies! bracelet or shirt proclaims, “I love my boobies, and I choose to take care of them!” It is a message about how important it is to appreciate, respect and love your breasts and yourself. Knowing you body and your breasts is the first step to prevention.

    HOW DOES IT SUPPORT THE KAB MISSION?
    i love boobies! has successfully initiated a dialogue among young people about breast cancer. Is has proven to be a doorway to involvement in KAB’s other programs, and has brought the subject of early onset breast cancer to the national media. Revenues from i love boobies! cause merchandise has allowed KAB to broaden its reach and provide grant money supporting important studies.

    CAN I PARTICIPATE?
    Anyone—female or male of any age—can use the i love boobies! message and spark up a conversation We are constantly developing new ways to spread the message among all types of people. Our iconic bracelets are only the beginning.

    WHERE DO I START?
    All of our i love boobies! cause merchandise is available online. Please visit our shop here to browse what is currently available. Always wear the slogan with an open mind: Use it to start discussions, learn from others, and share ideas.

    FEDERAL COURT RULES IN FAVOR OF STUDENTS IN I LOVE BOOBIES! BRACELET SCHOOL BAN
    When Keep A Breast first created the “i love boobies!” bracelet we had no idea the controversy that it would stir up. When the first banning happened in schools we were left wondering: Why were many not focused on the fact that young people were finally talking about breast cancer and breast health?

    Many of you stood up and became outspoken advocates for our cause. We applauded as you held school events to raise awareness and funds for KAB, and retweeted photos of loved ones battling breast cancer, our bracelets visible. Your emails and social media posts about why you wore your bracelets made us cry many times. You believed in us – and our messaging and we can’t begin to express our appreciation.

    Subprime Auto Lending: How the Gov – t Can Stop a New Financial Crisis #online #auto #parts #store


    #subprime auto lenders
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    The Next Subprime Crisis Will Ride on Four Wheels—Unless the Government Stops It

    Having failed to act on the subprime mortgage crisis, federal regulators now have a shot at redemption. This week, a top official at the Justice Department vowed to fully investigate subprime auto lending, which has in recent years become a major way to make a buck by targeting low-income communities.

    Subprime auto loans don’t represent an existential threat to the U.S. economy: With $21.8 billion in subprime securitizations last year, the market is roughly 1/50 th the size of mortgage-backed securities at the height of the bubble. But low-income borrowers are still being swindled by unscrupulous dealers, or forced into giving up their cars because of a loan they could never afford. And though auto dealers, active in every local community, carry tremendous political power, nobody in this industry is too big to jail. If law enforcement cannot take down small-time frauds, there’s no hope for the big ones.

    The proliferation of subprime auto loans results from two post-financial crisis factors. First, investors lost interest in mortgage-backed securities, but still sought out investments with enough risk to bring decent yields. So they migrated to subprime auto securities. The market has grown every year since 2009.

    The second boost for subprime auto lending was the auto dealer carve-out from Consumer Financial Protection Bureau oversight in the 2010 Dodd-Frank Act. Former Congressman John Campbell, a former car dealer who received $7 million a year from renting out six dealerships and one repair shop while in office, pushed through the giveaway. Like escaped prisoners running away from a klieg light, financiers moved into the one market where regulators weren’t allowed to look.

    The Federal Trade Commission has primary jurisdiction over auto dealers. “Historically they have not taken an aggressive approach,” said Chris Kukla of the Center for Responsible Lending. The CFPB, meanwhile, has jurisdiction over the financial companies buying the loans, while the Securities and Exchange Commission regulates the securitizations and the prudential banking regulators also monitor some of the key players. This allows the industry to play regulators off one another for maximum leniency. “It’s hard enough to convince one regulator of the problem,” said Kukla. “It’s good that you have lots of cops on the beat, but the bifurcation can be problematic.”

    These factors have super-charged the market. Subprime customers took out $129.5 billion in auto loans in the first eleven months of 2014, over one-quarter of total auto sales, according to credit-reporting bureau Equifax. And just like in the subprime mortgage days, increased investor appetite has pressured financiers and dealers to weaken underwriting standards. Regulators are probing numerous instances of falsified loan applications and inflated incomes.

    Just as troubling are the ways dealers gouge borrowers that may be more unethical than illegal. The average term on a subprime auto loan is now 66 months, according to CRL’s Chris Kukla. Dealers stretch out the terms to make the monthly payment look smaller, but over time the borrower pays more. They also make a lot of money selling add-ons like extended warranties and service contracts, some of which have questionable value. Subprime borrowers often trade in cars worth less than they owe, rolling the debt onto the back of the new loan in an eerie recall of the bubble-era mortgage refinancing boom. Interest rates can be as high as 30 percent in some states, even though lenders can repossess the car if the borrower defaults. And defaults are rising: Missed payments on car loans are at a post-financial crisis high. according to Moody’s Analytics.

    Increased defaults make sense when you consider the layers of risk placed on borrowers. The average loan-to-value ratio on a subprime car loan is as high as 150 percent. Buyers are deeply “underwater” on their loan the moment they drive off the lot. And that’s before auto dealers charge their “dealer markup,” points on the interest rate dealers add as compensation for matching the borrower and lender. Dealers often shop for financial institutions that allow them to issue the biggest markup. When borrowers are told the final interest rate, they have no idea how much of that goes to the dealer as pure profit.

    These dealer markups disproportionately affect people of color. Studies show that African-Americans and Hispanics pay higher interest rates than white people, even when they try to negotiate the loan. “People of color who tried to negotiate got worse interest rates than whites who didn’t,” said Kukla.

    The Justice Department is probing this raw material to bring cases, which fall into two parallel categories. First, as JPMorgan Chase has admitted in regulatory filings, they are in discussions with Justice over racial disparities on their dealer markups. The investigation grew out of a CFPB partnership. enforcing the Equal Credit Opportunity Act. Ally Bank has already paid $98 million in fines over the same practices, and both Honda and Toyota’s financing arms have acknowledged their potential exposure.

    But Sally Quillian Yates, acting number two at the Justice Department, named a variety of other potential offenses in her speech to the National Association of Attorneys General on Tuesday. She included securities fraud, origination fraud and deceptive consumer practices. That could include faking borrower incomes, knowingly making false promises to investors about the quality of subprime auto loan securitizations, or selling worthless warranties to customers. Several companies, like Ally Financial and Santander Consumer USA. have already received subpoenas for information on underwriting and securitization.

    Kukla credits aggressive media investigations of subprime auto loans, including an ongoing New York Times series. for finally calling attention to the industry’s problems. It could spur additional regulations to weed out still-legal practices, like usurious interest rates, excessive loan terms or “starter interrupts,” where lenders can shut off delinquent borrowers’ vehicles remotely. without any due process affirming the default. “There’s a severe lack of regulation in auto lending,” Kukla said. “The good result here is that people are starting to pay attention.”

    Will these federal investigations yield results? The Justice Department has been criticized repeatedly for its inability to prosecute individuals responsible for the financial crisis. But the auto lending space seems like a classic environment for flipping the smaller players (the loan officers/brokers) to get to the decision-makers at the top (the dealers/lender executives). The industry will whine about preventing access to credit, but preventing fraudulent conduct is actually federal prosecutors’ job description. In a relatively small market, without the threat of extreme collateral consequences for cracking down, DOJ should have the freedom to go wherever the investigations take them.

    Early signs have not been promising. That settlement with Ally Financial over dealer markup discrimination implicated no individuals, and Ally didn’t have to admit to wrongdoing. In these investigations, the government appears to be using a statute, the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), which has a lower burden of proof but only allows for civil and not criminal penalties. In her speech Tuesday, Yates stressed that financial penalties are “not a substitute for holding individuals within those institutions personally accountable for their actions.” But talk is cheap.

    Without an aggressive push on auto lending fraud, the Justice Department will signal that it is just as unserious as it was about mortgages, content to impose one-off financial settlements that do nothing to deter misconduct. As Sally Yates said this week, “We shouldn’t wait until there is a crisis to pay attention.”

    Philly Auto Show: 5 can t miss things to see at the show #firestone #auto


    #philly auto show
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    Philly Auto Show: 5 can’t miss things to see at the show

    Get your engines started because this year’s Philadelphia Auto Show — at the Pennsylvania Convention Center in Philadelphia — has some fun, quirky finds. Usually people go looking to spot their next new car, but there are other things to see here. Promise.

    First, one car has been getting a lot of attention. Built by high school students and their teachers,make sure you don’t walk past this sporty blue gem. At the Workshop School in Philadelphia, students and teachers designed and built a car that runs on bio-diesel fuel.

    The bio-diesel fuel came from leftover fryer oil from Federal Donuts. So basically, the car runs on Federal Donuts fryer oil. Really. It does.

    “The students at the school have been making hybrid and electric vehicles for a long time,” said Simon Hauger, the school’s principal.

    But the goal of this car was to make it “fast, cool-looking and earth-friendly.”

    And this car is definitely all of those things. And running on fryer oil — vegetable oil — is environmentally friendly, “it burns cleaner” than regular diesel fuel, Hauger said, it “removes the product from the waste stream,” and it’s a “much better engine lubricant.”

    “There are tons of upsides,” he said.

    Second, make sure you take a ride at Came Jeep. This reporter hopped into a 2016 black Wrangler Rubicon with driver T.J. and off we went.

    Just make sure you put on your seatbelt. It’s definitely a bumpy ride. You go over bumpy “logs,” steep inclines and more. And be prepared to lean over. The Wranger rode over a steep hill and didn’t tip over. But it sure feels like it will.

    It’s a lot of fun. And it doesn’t cost anything to take a ride.

    Third. take a walk over to the exotic cars. Ever wanted to see a Maserati or Lamborghini up close. I know, these are definitely out-of-reach dream cars that everyone drools over. It’s a lot of to dream, though.

    There’s a huge section of exotic cars, so take your time and browse.

    Fourth, check out the Corvette Z06 pre-production car that product specialist Sean Bennett said “gives a foreign performance for a domestic price.”

    “It’s in a league of it’s own. It’s an argument-ending car,” he added.

    But don’t go running to purchase this car yet. It starts at $78,000. That’s still nothing to sneeze at.

    Finally, check out the classic cars section.

    There’s the 1929 DuPont Le Mans Speedster, the 1970 Plymouth Superbird and the 1954 Austin-Healy. People love looking at classic cars, and there are tons to see here.

    You can’t sit in these cars, but you can get pretty close.

    Philadelphia Auto Show tickets are $13 for adults, $6 for seniors and children, children 6 and under are free. The show runs from Jan. 31 through Feb. 8. For more information, visit www.phillyautoshow.com .

    Health Savings Account FAQ #can #i #use #hsa #for #lasik


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    Health Savings Account FAQ

    Any employee or non-Medicare retiree who can fulfill the eligibility requirements of the University of California can enroll in UC Health Savings Plan (HSP). The university defines who can enroll in UC HSP. See below for more information about eligibility and rules for the Health Savings Account (HSA).

    About the Health Savings Account

    Questions about medical expenses

    Questions about the HSA and Medicare

    About the Health Savings Account

    Who can establish an HSA?

    The IRS defines who can establish an HSA. The IRS has strict guidelines to determine who is eligible to own and contribute to an HSA. Under the law, you are eligible if:

    • You are covered by a single or family high-deductible health plan.
    • You are not covered by any other health plan, unless it is also a qualifying high-deductible health plan.
    • You are not enrolled in Medicare.
    • You are not claimed as a dependent on another person s tax return, excluding your spouse.

    Who owns the HSA?

    Who can put money in my HSA?

    Anyone can contribute to your HSA. However, only the account holder receives tax deductions on monies contributed.

    Do I have to claim HSA contributions from others on my income taxes?

    You don t have to claim contributions you receive from others as gross income on your annual federal tax return. However, UC s contribution to your HSA is subject to California income tax.

    How much money can I contribute to my HSA?

    For 2017, the maximum annual contribution as set by the IRS for an individual account is $3,400 and the maximum contribution for family coverage is $6,750. You must take into account UC s contribution (up to $500 for individuals and up to $1,000 for families) to your HSA to determine your personal contribution for the year. If you are covering your domestic partner under this plan, your domestic partner can also establish his or her own HSA and contribute up to $6,750 for the year; this is in addition to what you as the subscriber contributes. People age 55 and over can make an additional catch-up contribution of $1,000. A husband/domestic partner and a wife/domestic partner who are over 55 years old, can each contribute up to $1,000 to their HSA.

    What happens to the money in my HSA if I leave my job or retire?

    You take that money with you wherever you go. The HSA is in your name. It s your account. If you re on Medicare or go to another employer that doesn t have a qualified high deductible health plan similar to the UC Health Savings Plan, you can still use your HSA money to pay for co-pays and qualified medical expenses, but you won t be able to continue to make contributions to your HSA.

    Does the money I have in my HSA roll over from year to year, or do I lose the money at the end of the year?

    The money rolls over from year to year. You don t lose the money left in your HSA or the interest it s earned. It s your money.

    If I enroll in the UC Health Savings Plan, can I also enroll in the Health FSA?

    No, IRS rules limit the use of both accounts simultaneously. If you enrolled in the UC Health Savings Plan during Open Enrollment and are currently participating in a Health FSA, you must have a balance of $0 in your Health FSA on Dec. 31, 2016. If you think you will still have a balance in your Health FSA on Dec. 31, you must forfeit your unused FSA funds, including carryover funds, by completing the Health FSA Carryover Waiver form prior to Jan. 1, 2017.

    Can I take the money out of my HSA any time I want?

    Yes. You can take money out anytime tax-free and without penalty as long as it s to pay for qualified medical expenses. If you take money out for other purposes, however, you ll have to pay income taxes on the withdrawal plus a 20 percent penalty.

    Does the money in my HSA earn interest?

    Yes, and the interest is tax-free. HealthEquity calculates, compounds and credits interest monthly. The interest rate is based on your account balance. For current rates see the interest rate page in the HealthEquity online resource center.

    Can I invest the money in my HSA?

    Yes. Similar to an IRA, many HSAs let you choose to invest your account balance in stocks, bonds, mutual funds, CDs, and/or annuities. With your HealthEquity HSA, you can typically invest in pre-selected mutual funds after you reach a $1,000 balance (starting in January 2017) in your account.

    Is my HSA FDIC-insured?

    Yes. However, if you choose to invest your account balance, those investments are not FDIC-insured.

    Can I roll the money from an IRA into my HSA?

    Yes. You can make a one-time rollover from your IRA into your HSA. You can t, however, roll money into your IRA from your HSA. Note that a rollover will count toward your annual contribution amounts.

    Questions about medical expenses

    What is a qualified medical expense?

    Qualified medical expenses are those that generally would qualify for the medical and dental expenses income tax deduction as outlined in IRS Publication 502 Medical and Dental Expenses. See www.irs.gov/publications/p502/index.html for a current complete list.

    Can I use the money in my HSA to pay for my children s medical expenses, co-pays and deductibles if I m not enrolling them in the UC Health Savings Plan?

    Yes. The money in your HSA can be used to pay for qualified medical expenses of any family member who qualifies as your tax dependent. However, if the tax dependent isn t covered under your plan, his/her expenses won t be applied toward your deductible.

    If I cover my domestic partner through the UC Health Savings Plan, can I use my HSA for my partner s medical expenses?

    If your domestic partner meets the IRS qualifications of a tax dependent, you can legally use your HSA funds for his or her medical expenses. Otherwise, your domestic partner whom you cover in the UC-sponsored Health Savings Plan will need to establish his/her own HSA and can contribute up to $6,750.

    Do I pay for the full doctor s office visit when I go to the doctor?

    You re responsible to pay the amount your insurance has contracted to pay your doctor, typically a discounted rate, until your deductible is met. You can use your HSA for this expense. You may also choose to use your personal funds to pay for this expense and reimburse yourself later. There is no claims submission deadline under the HSA. The IRS allows you to reimburse yourself for any and all eligible claims incurred in the future.

    It s best to have your doctor s office put the charge through to your insurance, so that you receive credit toward your deductible and know exactly what to pay.

    Some doctors may require that you pay up front, but most bill your insurance, and then bill you once the claim has been processed. Make sure you don t pay more than your portion shown on the explanation of benefits you receive from your insurance carrier.

    Can I use the money in my HSA to pay for insurance premiums?

    Insurance premiums generally are NOT considered IRS-qualified medical expenses unless they are for:

    • Continuing COBRA coverage
    • Certain long-term care insurance
    • Health coverage during unemployment
    • Coverage over age 65, including Medicare or employer retirement health benefits

    Can I use the money in my HSA for non-medical expenses?

    Yes. If you do though, and are under 65, you ll be taxed on the amount you use and assessed a 20 percent penalty. Once you re 65, you ll be taxed for monies used for non-medical expenses, but won t pay a penalty.

    Can I use my HSA for eyeglasses, contacts or LASIK surgery?

    Yes. These expenses will not apply to your insurance deductible though.

    Can I use my HSA to pay for dental expenses and orthodontics?

    Yes. These expenses will not apply to your insurance deductible, though.

    Can I use my HSA to pay for voluntary cosmetic surgery?

    The HSA can be used for cosmetic surgery only if prescribed by a physician as being medically necessary.

    Can I access my HSA online?

    Yes. You will be able to see your account balances, HSA debit card balance, claim transactions, and more online. You also can pay providers, request reimbursements and manage your personal information. More information will be sent to those who enroll in the plan.

    Questions about the HSA and Medicare

    I m retired. Can I still contribute to the HSA?

    Retirees enrolled in the UC plan may contribute to the HSA.

    If my spouse is on Medicare, can I contribute to the HSA?

    It depends, per UC rules. UC will not allow you to enroll in the HSP if you are also covering a spouse enrolled in Medicare. If you are covering your spouse under the HSP, then you have to change medical plans and you cannot continue to contribute to the HSA. If you are not covering your spouse and you continue to be covered under the Health Saving Plan, then you can contribute to the HSA.

    Frequently Asked Questions about donating your car – Cars for Charity – Portland, OR #what #can #i #donate,cars,trucks,boats,rv’s,motor #homes,motorcycles,off #road #vehicles


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    Q. What Can I Donate?
    A. Cars, Trucks, Boats, RV s, Motor Homes, Motorcycles, Off Road Vehicles, Heavy Equipment and most other motorized vehicles. We will help you through the process of donating any of these vehicles. If you have any questions regarding donations, please contact us by email or talk to a Donations Specialist by phone at 971-221-3388
    Donate Now!
    [top]

    Q. Is my vehicle donation tax deductible?
    A. Donations to a non-profit organization or charity that is classified under 501(c)[3] are often tax deductible. If the charity you designate to is classified as such, the donations made to us may be utilized as a tax write-off, allowing you a car donation tax break. Everyone s tax situation is different, so consult with your tax professional to determine how you may benefit.
    Donate Now!
    [top]

    Q. How much will my tax write-off be? (And how do I determine the value of my donation for a possible IRS car donation tax break and tax write-off purposes?)
    The amount that is tax deductible is the sale amount of the vehicle. See what Cars for charity does with your car to get a higher sales price (on average) than other car donation programs.

    For more information on tax write-offs, see the IRS information on vehicle donations. Everyone s tax
    situation is different, so consult with your tax professional to determine how you can benefit.
    Donate Now!
    [top]

    Q. What paperwork do I need to donate a vehicle?
    A. You ll need a title to the vehicle. If you are missing paperwork, please call us at 971-221-3388 and a representative will be happy to assist you.
    Donate Now!
    [top]

    Q. My vehicle is not running. Can I donate it?
    A. We accept vehicles running or not; however, we do prefer the vehicle to be intact. Occasionally, we will make an exception depending on the year, make and model of the vehicle.
    Donate Now!
    [top]

    Q. How quickly will you pick up my vehicle and how does the donation process work?
    A. In most cases your car can be picked up within 48 hours. The vehicle will be picked up by a licensed tow company at no cost to you and be taken to one of our sales locations.
    Donate Now!
    [top]

    Q. What does Cars for Charity do with my car?
    A. We have sales locations where we evaluate the cars. When it is cost-effective, we make major or minor mechanical or body repairs, and then we detail the cars and sell them on the retail market. We don t just use auction houses to sell the donated vehicles, because we want to maximize the financial assistance to the charities and provide you the donor the best tax write-off you can take. Cars for Charity strives to have the highest return on the sale of the donated vehicles.
    Donate Now!
    [top]

    Q. Can I choose a charity of my choice?
    A. Absolutely! We are dedicated to offering an avenue for people to contribute and support their interests.
    You may choose from the list of partner charities who provide services to individuals or families that are in need of physical, emotional or spiritual support. You will be donating your vehicle to the charity of your choice and will receive a receipt from them.
    Donate Now!
    [top]

    Q. Can I designate a church or organization not listed on your Website?
    A. Yes. However, if you wish to donate to a charity or church not listed on our site, a short delay will occur before we can accept your donation. You will need to email or call Cars for Charity and specify the name and address of the charity. We will be able to accept your vehicle after we have completed the appropriate agreements with the charity. This usually can be done very quickly.
    Donate Now!
    [top]

    Q. I m ready to donate. How do I get started?
    A. To donate online, simply click on one of the following easy online form to donate your vehicle, boat, RV or motorcycle (running or non-running).

    To donate by phone, call 971-221-3388 and we ll be happy to help!

    You can also fax or mail your donation request to us. Download a PDF or Word form. (Fax number and address are on the forms.)
    Donate Now!
    [top]

    Can I Refinance My Car Loan? #auto #restoration


    #auto refinancing
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    Can I Refinance My Car Loan?

    There are two main reasons why people refinance auto loans. 1) To lower the interest rate they are paying and 2) to reduce their monthly payment. You may be able to do both when you refinance, and save hundreds or thousands of dollars in the process.

    As you look into refinancing, keep in mind that lenders may have minimum standards they require. For example, your remaining balance on your current loan may have to be at least $7,500 and your current mileage may not be more than 75,000 miles. Since each lender has its own standards, don t be discouraged if the first lender you talk with can t help you. Do, however, be sure to ask about minimum requirements before you apply so you don t waste time applying for loans you can t get .

    Auto Loan Rates Looking to buy a new or used car or refinance an existing auto loan? Take a look at today’s auto loan rates and find the best loan for you.

    If you want a lower interest rate

    The new interest rate you ll get is based at least in part on your credit score. so check your credit score online before you apply. You can pull your full credit report at AnnualCreditReport.com or try our free Credit Report Card for a monthly credit score update. Keep in mind the score the lender requests and the one you view may be different since there are many different credit score models available.

    Even if your credit scores haven t changed since you got the loan, you may still find that you can get a better rate. This is especially true if you obtained your financing through the dealer. since dealers may mark up loans to a higher interest rate in order to make more money for themselves.

    If you want a lower monthly payment

    Aside from reducing your interest rate, an auto loan refinance can reduce your monthly payment. This may extend your loan term, or the number of months you have to repay the loan, though. That s not ideal because you may pay a lot more in the long run. Since car values depreciate so much, you may find you owe money on a vehicle that s not worth that much anymore. But there s an easy way to solve that problem; pay more on your loan each month to pay it off faster.

    Refinancing a vehicle loan can be a good option if you can free up some cash and alleviate a financial burden. Just be sure to weigh the pros and cons, including the costs involved in refinancing.

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    Earn an Online Associate – s Degree in Psychology – Psychology Degree Online #can #you #get #a #psychology #degree #online


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    Earn an Online Associate s Degree in Psychology

    The vast majority of psychology jobs require graduate level education. An associate’s degree serves as a basic introduction to the fundamentals. If you decide to get your degree online, make sure that the online school that you choose to attend awards transferable credits that you can apply toward a bachelor’s degree program in psychology.

    Types of degrees

    • Associate of Arts (AA) in psychology has liberal arts classes to give you a broad educational background. The AA degree is the best choice if you plan to transfer your credits into a bachelor’s degree program.
    • Associate of Science (AS) in psychology has science, mathematics and computer classes to give you a technical education. However, the AS is very similar to the AA and can also be used to transfer into most bachelors programs.

    Admissions requirements

    Undergraduate admissions requirements vary by institution. Be sure to carefully research any admissions requirements before applying to a program.

    Length of study

    An associate s degree requires approximately 60-65 credit hours or about 2 years to complete.

    Coursework

    Coursework for your degree will include introductory courses, possibly some statistics and research methods

    Accreditation

    The school should be accredited by an institution recognized by the Council for Higher Education Accreditation (CHEA). The best online psychology programs will also be accredited by the American Psychological Association (APA). (The APA only accredits doctoral programs, but schools with this accreditation typically have high-quality undergraduate psychology programs.)

    Job possibilities

    Most jobs in the field of psychology require graduate level degrees. In order to increase your psychology-related job prospects, you should consider volunteering or doing an internship while studying for your AA or AS. Some jobs for which this degree might help you qualify:

    • staff member at a residential treatment center
    • a psychiatric technician at a state mental hospital
    • an information counselor at a drug or mental health hotline

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    Creating an Email Blast

    Creating an email blast to market your products to your email list can be very easy or very hard. The difference is found in your email service provider.

    If you are able to basic formatting in MS Word, you will probably be able to use and modify email blast templates to create a unique email blast on your own.

    Reputable email service providers will have dozens of templates and an easy to use interface where you can craft your message. Once your message is ready, most email providers have a tool that will help you upload your list and schedule your send.

    We advise all clients to sign up with multiple email blast companies and create test email blast campaigns in order to find out which one is the easiest to use. Below you will find links to get a free trial from top email service providers. All of the email blast companies below have great support and are very user friendly.

    Remember, with all online marketing, you have only seconds to capture the attention of your prospects. By keeping your design viewable with out scrolling, you will increase response rates.

    Create your email blast today – Free Trial (use links below)

    Sign up for a free trial with the most popular email service providers. Send a few email blasts for free through each email company, then keep the one that works best for you.

    Each of the email blast companies below offers a free trial where you can send your free email blast. We’ve ranked them with the largest free email blast first.

    Free Email Blast Promotion

    1. StreamSend – We prefer StreamSend over all the others. Their setup is easy to use, intuitive and not very expensive. We prefer StreamSend because they charge based on emails sent, not the size of your list. This is important for people who might send once or twice a month.
    2. Awebber – A great platform for people who want to try their hand at marketing automation – where you create a email sales campaign and then send on a time delay (ex. 1 email per day for 7 days.) Awebber charges based on the size of your list, so they may be a good choice if you plan on sending once a week or more.
    3. GetResponse – For marketers looking for more than just an email service provider, GetResponse provides multi-media email blast capabilities, cross-channel tracking and automation, GetResponse may be for you. Not quite as easy to use as StreamSend, but more features. If you want to combine email marketing with social marketing and video, then GetResponse has the tools to do the job.

    Link to this article

    If you find this article valuable please share it on your blog or website with this code:

    Be Sociable, Share!

    What Can I Do with a Master – s Degree in Instructional Technology? #master #in #instructional #technology, #what #can #i #do #with #a #master #s #degree #in #instructional #technology?


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    What Can I Do with a Master’s Degree in Instructional Technology?

    A master’s degree program in instructional technology teaches students how to use various technologies in both classroom settings and employee training situations. Learn more about career options for those who hold this degree. Schools offering Instructional Design degrees can also be found in these popular choices.

    Overview of Instruction Technology Master’s Degree Programs

    A master’s degree program in instructional technology teaches individuals to analyze learning problems and then design and develop instructional programs to solve these problems. Graduates can develop instructional programs for classrooms in higher education or training sessions for businesses and government agencies. After completing a master’s degree program in instructional technology, you can work in the public or private sector developing technology-based educational materials and programs.

    Important Facts About A Master’s Degree in Instructional Technology

    Median Salary (2014)

    $61,550 (for instructional coordinators )

    Job Outlook (2012-2022)

    13% growth (for instructional coordinators )

    Designing websites, creating instructional manuals; utilize mobile learning environments, rethink teaching and student learning

    Training managers, web designers, computer specialists, performance technologists, curriculum developers

    Source: U.S. Bureau of Labor Statistics

    Work Environment

    Individuals with a master’s degree in instructional technology can use their skills to work for organizations like healthcare companies, state and federal government agencies, the military, non-profit organizations, consulting firms, colleges and universities. An individual with a master’s degree in instructional technology can hold several positions within these organizations.

    Job Duties

    Most graduates of a master’s degree program in instructional technology use technology to teach or train groups of people. These individuals can have responsibilities that include but are not limited to:

    • Teaching instructors to utilize technology in their classrooms
    • Acting as a technology resource in a school district
    • Educating trainers on the most effective and efficient ways to train new employees

    Acquired Skills

    Individuals with a master’s degree in instructional technology have many skills that can be useful in several different industries. Graduates will know how to perform tasks such as configuring computer networks and developing internet-based learning environments. As technologies continue to develop, the need for trained technology individuals will continue to increase.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

    We Can Fix That! Leather Car Seat Repair, Auto Interior Repair of Fabric, Vinyl, Carpet – More #auto #manuals


    #auto carpet replacement
    #

    Automotive Interior Repair Services

    Auto Leather Car Seat Repair

    At Creative Colors International, we are dedicated to restoring your car s leather, vinyl or fabric interior appearance to a like-new condition using our own proprietary repair and restoration systems.

    Our mobile repair system allows car interior repairs to be completed on–site while maintaining the standards and quality of the vehicle’s original condition.  From automotive dealerships, auto auctions, car rental companies, body shops, insurance companies and car owners, we have the capabilities to get the job done right.  We have built a solid reputation in the automotive industry.

    When you call on Creative Colors International, you call with confidence.  We have a nationwide team of certified technicians that are not only experts in providing seamless car leather interior repairs, but are also trained to know your business.

    Find out how you can discover significant cost savings.

    Get your FREE on-line quote here!

    Repairs CCI Offers:

    • Leather Car Seat Repair —Tears, Burns, Holes, Seams, Stain Removal, Color Restoration
    • Car Fabric Repair Tears, Burns, Holes, Seams, Stain Removal, Color Restoration
    • Vinyl Car Interior Repair Tears, Burns, Seams, Scratches, Stain Removal, Color Restoration, Color Change
    • Auto Leather Repair Tears, Burns, Scratches, Seams, Stain Removal, Color Restoration, Clean Condition, Color Change
    • Car Carpet Repair Tears, Burns, Phone Holes, Stain Removal, Kool-Aid Removal, Bleach Spots, Color Restoration
    • Headliner/Visors Tears, Burns, Stain Removal, Visor Strap Repairs
    • Car Console Repair Dent Removal, Cracks, Tears, Burns, Phone Holes, Scratches, Color Restoration
    • Car Dashboard Repair  — Dent Removal, Cracks, Tears, Phone Holes, Scratches, Colors Restorations, Color Change
    • Steering Wheel Repair Restoration Burns, Scratches, Tears, Re-graining, Color Restoration
    • Convertible Top Restoration and Repair Tears, Burns, Scratches, Color Restoration
    • Speaker Cover Repair Holes, Renewal, Color Restoration
    • Smoke Odor Elimination for your vehicles interior through ozone or chemicals. Includes mold blocking treatment.
    • Pre-owned Certification with Per Car Pricing
    • Complete Detailing Services  —  *services vary by location
    • Car Carpet Care Programs
    • Customized Logo Floor Mats

    We Proudly Serve:

    How Can I Become a Certified Medical Administrative Assistant? #medical #administrative #assistant #education #requirements, #how #can #i #become #a #certified #medical #administrative #assistant?


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    How Can I Become a Certified Medical Administrative Assistant?

    Research what it takes to become a certified medical administrative assistant. Learn about education requirements, certification, salary and employment outlook to find out if this is the career for you. Schools offering Administrative Assistant degrees can also be found in these popular choices.

    What Is a Certified Medical Administrative Assistant?

    A Certified Medical Administrative Assistant (CMAA) is a medical secretary who has earned a voluntary professional certification from the National Healthcare Association. Although not required by the government, this certification can help job candidates demonstrate their professional skills to prospective employers. For instance, medical secretaries need to be proficient in basic office tasks like file maintenance and keyboarding. They must also be familiar with medical terminology and capable of using common healthcare-related software.

    Through the table below, you can learn more about the job duties of medical administrative assistants, among other helpful career details.

    High school diploma at minimum; postsecondary programs in the field are available

    $33,040 (for all medical secretaries )*

    Source: *U.S. Bureau of Labor Statistics

    What Would I Do as a Certified Medical Administrative Assistant?

    As a medical administrative assistant, you would work to ensure that a doctor’s office or hospital department runs smoothly by updating medical records, filing the appropriate insurance forms, and arranging patient admissions and laboratory analysis. You would also perform general administrative tasks such as answering phones, sorting mail, scheduling appointments, and organizing the billing and payments. You would deal with patients quite often, so you need to have a courteous and genial manner. Because the healthcare industry increasingly uses electronic files, you need to have some computer skills, and you may need to know some medical coding for insurance purposes.

    What Education Do I Need?

    Some medical assistants begin work after earning their high school diploma, but there are associate’s degree programs that train you as a medical administrative assistant. An Associate in Applied Science in Medical Administrative Assistant degree program may offer courses in bookkeeping, medical coding, scheduling and computer systems, as well as train you in effective communication skills and medical office procedures. There are also many medical assistant programs available, but they include classes on medical tasks that you wouldn’t perform as an administrative assistant.

    How Do I Become Certified?

    The National Healthcare Association (NHA) offers the Certified Medical Administrative Assistant (CMAA) credential (www.nhanow.com ). To be eligible to take the certification exam, you must have a high school diploma or equivalent, and have completed a training program or have one year of medical administrative assistant experience. Some medical administrative assistant programs are affiliated with the NHA, and these programs may offer the exam at the end of your program, but you don’t need to attend an affiliated program to become certified. The American Association of Medical Assistants offers the Certified Medical Assistant designation; this credential covers not only administrative duties but also clinical responsibilites (www.aama-ntl.org ).

    What Are Some Related Alternative Careers?

    If you are interested in an administrative assistant career, you could look for job in a different industry, such as law or business. Professional certifications are available for both general and legal secretaries. Alternatively, if you are interested in a different position in a medical office, you might want to think about a job as a medical assistant. These professionals divide their time between office duties and basic clinical care, although some who work in larger facilities may focus specifically on administrative work. This job usually requires a postsecondary certificate or diploma.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

    Criminal Justice Careers #what #can #you #do #with #a #masters #in #criminal #justice


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    Criminal Justice Careers

    Pursuing a Master’s degree in Criminal Justice could open up endless career opportunities. Many individuals choose to pursue a Master’s in order to change their careers, advance in their careers, gain lifelong knowledge, or increase their salary in their current positions. No matter what your motive is, there is always room for growth and opportunity. Although you may like your current job, you may find that upon completion of a Master’s program, you will be presented with a wide array of career opportunities in the criminal justice field.

    Ranging from careers in the courtroom to those alongside the president, a Master’s in Criminal Justice degree may be your stepping stone towards a career as a Central Intelligence Agency (CIA) agent or a private investigator. Below, you’ll find a number of professions that you may want to pursue. Choose one of the career titles to learn more about profession, the typical requirements to enter the profession, and the average salary.

    • ATF Agent
      ATF agents control and monitor the sale, handling and usage of alcohol, tobacco products, firearms and explosives n the United States, but they are actually employed by the U.S. Read More
    • CIA Agent
      The lives and careers of CIA agents are often glamorized in movies and novels, but the reality is that CIA agents must sacrifice a lot for their work. Read More
    • Coast Guard
      Members of the U.S. Coast Guard, also called “Coasties,” are a part of the U.S. Armed Forces, under the U.S. Department of Homeland Security. Read More
    • Compliance Officer
      Compliance officers work in a variety of fields and are responsible for making sure that the department or company that they are overseeing adheres to specific quality and ethics standards in order to protect them from scandals, lawsuits and customer complaints. Protecting the safety of the public is also a responsibility of compliance officers, as unethical behavior can diminish the quality and effectiveness of the company’s products or services. Read More
    • Computer Forensics
      A computer forensic scientist or technician is still considered a cutting edge profession in the criminal justice field. With the increase of cybercrime, cyberterrorism, identity theft, and Internet child predators, computer forensic scientists are needed to track seemingly traceless criminals. Read More
    • Corrections Officer
      Corrections officers, because of the dangerous and stressful nature of their jobs, must be quick decision makers, vigilant, calm, and authoritative. Read More
    • Crime Scene Investigator
      Crime scene investigators have gotten a lot of publicity in TV dramas like CSI, but their job description is much more specific than managing an entire case. Read More
    • Criminalist
      A criminalist, also known as a forensic scientist, is a highly trained professional that assists investigators and the criminal justice system prepare investigations, gather and analyze evidence, and convict criminals. Read More
    • Criminologist
      Criminologists study a variety of tangible and intangible factors that contribute to crime statistics, including demographics, social behavior, criminal behavior and psychology, and statistics. Read More
    • Customs Agent
      Customs agents are federally employed professionals who monitor the importation of illegal contraband like drugs and weapons. Daily activities include searching airplanes or ships, as well as individual passengers. Read More
    • DEA Agent
      DEA Special Agents are specifically trained officers dedicated to enforcing the Controlled Substances Act. Read More
    • FBI Agent
      The FBI is the federal law enforcement that protects the United States against acts of terrorism, federal crimes, civil rights infringements, corruption and violent acts of crime. Read More
    • Forensic Scientist
      Forensic science combines knowledge of the physical and natural sciences with criminal justice and the legal system. Read More
    • Forensic Psychologist
      Forensic psychology is a very specialized profession requiring many years of education and training. Read More
    • Homeland Security
      The United States Department of Homeland Security is a relatively new entity that was organized under President George W. Bush not long after the terrorist attacks at the Pentagon and World Trade Center. Read More
    • INS Agent
      Agents who work for the United States Immigration and Naturalization Service (INS) have responsibilities that range from deportation to managing international visitors to the United States to managing immigration files to working as part of a border patrol team. Read More
    • Law Enforcement
      Pursuing a career in law enforcement can take you in any number of directions, from homeland security to the police force to the correctional system to the legal and courts system. Read More
    • Police Detective
      Police detectives participate in many of the processes needed to apprehend and convict criminals, including visiting crime scenes, interviewing witnesses, interrogating suspects, managing evidence, consulting with prosecutors and criminal psychologists, and giving testimony in court. Read More
    • Police Officer
      Policer officers are entrusted with protecting the public from dangers in the community, from criminals to traffic accidents to property and domestic disputes to missing persons cases. Read More
    • Private Investigator
      Private investigators are hired by individuals to supplement the help given from a regular police force or to more subtly investigate another person’s behavior. Read More
    • Probation Officer
      Probation officers have the complicated job of managing numerous criminals and cases of individuals who were sentenced to probation and/or community service by a judge. Read More
    • Secret Service
      Special agents with the United States Secret Service are hired to protect high profile individuals and their families and to investigate financial cases like fraud and counterfeiting. Read More
    • Sheriff
      Sheriffs supervise police officers and the overall public safety plans of a county. Read More
    • US Marshal
      Federal U.S. Marshals are part of an elite law enforcement agency that specializes in protecting federal judges and federal courts, serving court documents, supervising federal elections, transporting prisoners, investigating and apprehending fugitives and more. Read More

    Other careers that might interest you

    • Criminologist
      Criminologists study a variety of tangible and intangible factors that contribute to crime statistics, including demographics, social behavior, criminal behavior and psychology, and statistics.
    • Police Officer
      Policer officers are entrusted with protecting the public from dangers in the community, from criminals to traffic accidents to property and domestic disputes to missing persons cases.
    • Us Marshal
      Federal U.S. Marshals are part of an elite law enforcement agency that specializes in protecting federal judges and federal courts, serving court documents, supervising federal elections, transporting prisoners, investigating and apprehending fugitives and more.

    View all career options

    Popular Online Schools

    • Xavier University
      The mission of the Department of Criminal Justice is to equip Master of Science students with the competence and conscience needed
    • Colorado Technical University
      Colorado Technical University is recognized as one of the most technologically advanced online universities.

    View all top schools

    2017 Masters in Criminal Justice. All Rights Reserved.

    Where can you buy repossessed cars #auto #city


    #buy cars online
    #

    Where can you buy repossessed cars?

    Karate1000

    Answered Last

    Here is a variety of advice:

    • If I were you I would check out your county for repossessions to be sold they generally sale for 2/3 of the loan value.
    • I would NOT buy a car that has been repoed. Simple logic tells me that the driver was NOT doing ANY repairs or even oil changes, before it got pulled away. In my years of experience doing vehicle repos, (yes I do know what I am talking about here) the number of outright clunkers was higher than 75 percent.
    • Junk on wheels is what we used to call them. Run to death and barely able to be driven. Buyer beware is what I say.
    • What if my truck worth 15k is repoed because I quit paying on the 20k loan. Then I buy it at auction because I know I took care of it? Heck, I could even dirty it up inside a little first so it will auction for less.
    • It won’t work. If it was repo’d by a buy-here-pay-here lot, they’ll put it back on the lot and certainly aren’t going to deal with you. If it was taken by a bank or manufacturer’s finance company, it is going to a wholesale auction where you need a dealer’s license to bid. Some smaller credit unions or finance companies will sell their repo’s in their parking lot, but that’s just like the BHPH place – they aren’t going to talk to you. Besides, you STILL OWE the difference between the loan (plus repo fees) and what it brings. It’s cheaper to make your payments.
    • 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.
    • Call your local Credit Unions and ask them if they have any vehicles for sale. Most of them do these days. These are high quality cars for good prices and you are buying from a reliable source. Credit Unions will also give you good financing terms to get the cars off of their books. You could search online or just open the phone book and start calling.

    Diminished Value: Biggest secret about Diminished Value Claims with insurance #diminished #value, #diminished #value #claim, #diminished #value #check, #can #i #get #a #diminished #value #check


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    What is Diminished Value ?

    Know your rights if you’ve been in an auto accident. You may be entitled to a check from your insurance company for a Diminished Value claim. Diminished value is the automatic loss of value from a auto collision. Almost every vehicle that has been in a wreck will have some form of inherent diminished value.

    It has been estimated that 55% of consumers would not buy a car that had been in an auto accident. 81% would not have a car that had been in a wreck unless they were given a large discount. Our survey results show the stigma may be even higher.

    Diminished Value isn’t something insurance companies generally acknowledge your right to recover!

    In their online article about diminished value (later removed from State Farm’s website) “Diminished value fact or fiction? ” State Farm has tried to discourage consumers from attempting to file a diminished value claim. We disagree. Many times claimants are not made aware of compensation for diminished value. Insurance companies would have you believe they are your advocates when in reality they are your adversaries. Many times insurance companies will reward their adjusters based on minimizing settlements. When a demand for diminished value is made, insurance companies may deny diminished value has happened. Some insurance companies give adjusters scripts to help them lower the value of claims. Claimants need to support their claims with an expert evaluation that diminished value has occurred.

    Understanding Diminished Value Claims

    Example:

    Your one-year-old vehicles value is $30,000. One day, you’re hit by another car, causing $5,000 in damage. Your auto insurance company pays for the repairs when you filed your insurance claim.

    Your newly repaired car is still worth, $30,000 right? WRONG. Although your auto body shop does an excellent job, and your vehicle looks as good as it did before the accident, it’s value is now much less and is less desirable having been in a auto collision, should you decide to sell it now, or down the road.

    Many times a frame or structurally damaged vehicle cannot be sold as a “certified used vehicle .” This will impact the vehicle’s value by as much as 40%!

    This is where diminished value comes in! Your insurance company will be quick to write you a check for the repairs, but you’re entitled to receive another check for a diminished value claim .

    If you list your vehicle for sale in the newspaper for $30,000, the first thing a buyer will ask is “Has the vehicle been in an auto accident?” Even if you didn’t disclose the accident, the buyer could still look up the accident history using .

    Once they discovered the accident, the buyer would no longer be willing to pay you $30,000, but instead might offer $22,000. In this case, the diminished value would be $8,000.

    Even if you’ve already settled with the insurance company on the body damage, you can still file a separate diminished value claim if the repairs were done recently.

    Your insurance claim for diminished value can be paid by your own insurance company or the other party’s company.

    Read a typical client’s story about their diminished value claim.

    Lees Discount Auto Body – Quality auto body repair you can trust. (303) 451-5536 Over 40 years experience in the Metro Colorado area. Great work, excellent price, we also work with most insurance companies. #auto #body #supplies


    #discount auto body parts
    #

    Home

    Welcome to Lee s Discount Auto Body

    We are a small minority owned business with over 46 years of experience in the collision repair industry; we know how to get the job done quickly, and at an affordable rate. We have been at this location for over 16 years, and over the years we have done work for, and worked with all the insurance companies, but as times change we are now considered to small to be a direct repair facility for these same insurances.

    It is Colorado law that everyone has the right to choose their own repair facility, and our work and name is recognized and approved by all insurance companies for anyone who chooses to use our shop for their repairs. In case of a major collision where the vehicle is not road worthy just call or have it towed here and we we will do everything necessary to restore your vehicle to it s original condition, and have it back to you as soon as possible. Or once an estimate is written by a representative of your insurance or theirs, you have the right to bring it here.

    Fastest Turnaround on all major repairs.

    How Can I Become a Cyber Security Specialist? #degree #in #cyber #security, #how #can #i #become #a #cyber #security #specialist?


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    How Can I Become a Cyber Security Specialist?

    Research what it takes to become a cyber security specialist. Learn about education and certification requirements, job duties and salary to find out if this is the career for you. Schools offering Computer Forensics degrees can also be found in these popular choices.

    What is a Cyber Security Specialist?

    Cyber security specialists help to ensure the safety of a company’s computer networks and systems. They maintain the security of a computer network through testing as well as virus protection and regular updates. Because they are in charge of the electronic security of an organization, they will need to be able to communicate with members of other departments and explain the necessary precautions taken to prevent any attacks. Periodically, these specialists re-certify the security of applications and the server. They troubleshoot company-wide security threats and implement creative solutions.

    Take a look at the following chart for an overview of how to enter this field.

    Education Field of Study

    $90,120 (for information security analysts )*

    Source: *U.S. Bureau of Labor Statistics

    What Do I Need To Study to Become a Cyber Security Specialist?

    If you’d like to train to become a cyber security specialist, you should obtain a 4-year bachelor’s degree in computer programming, computer science, information science or computer engineering. English, statistics and mathematics courses will be needed as well. In some instances, according to the U.S. Bureau of Labor Statistics (BLS), relevant work experience combined with certification may be sufficient for employment (www.bls.gov ).

    At some universities, you can enroll in certificate programs in cyber security, which offer classes such as operating systems, biometrics concepts, network defense and advanced security. They might also offer a course in Comp Tia Security+ Certification. Associate’s degree training may consist of subjects such as operating system security, computer forensics, security procedures, network security applications, encryption and fundamentals of information security.

    A bachelor’s degree program will include classes such as advanced computer security and advanced operating systems. Additionally, it might include studies in programming, principles of software engineering, criminal justice, mathematics, technical writing, computer forensics and network security.

    What Will I Do?

    As a cyber security specialist, you will add new software to security files, perform security tests on data processing systems and keep virus protection systems up to date. You may train workers on security procedures to maintain system security. Another aspect of your job will entail keeping system users informed as to changes in programming and instances of security violation.

    What Jobs Can I Apply For?

    After you have completed the educational requirements above, you may apply for jobs such as data security administrator, information technology specialist, computer specialist, information security analyst or information security manager. With experience comes the opportunity to advance into management or supervisory positions. You may opt to take additional training and become a computer systems analyst or independent consultant.

    How Do I Become Certified as a Cyber Security Specialist?

    A certification credential can increase your job opportunities and earning potential, and a large number of employers require it. Certification can be obtained through training institutes or computer product vendors. Additionally, Cisco awards the CCNA (Cisco Certified Network Associate) certification upon completion of an examination.

    How Much Will I Earn?

    The BLS estimated that median annual salary for cyber security specialists, listed as information security analysts, was approximately $90,120 in 2015. Cyber security specialists were employed most often in the field of computer system design and related services. According to payscale.com. as of January 2017, annual salaries for computer security specialists ranged from about $38,514 to $111,886.

    What Are Some Related Alternative Careers?

    Many other options exist in careers for information and security professionals. Software developers are the ones who create applications and programs from the ground up, writing the code and finalizing design that benefits users. Database administrators are charged with the security of databases holding important information, such as client lists or shipping records. There are also systems analysts, who act as a link between business and information technology, helping to bridge the gap between the two.

    To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:

    7 Ways Your Attempts to Save Money Can Backfire. #online #auto #parts


    #cheap full coverage auto insurance
    #

    7 Ways Your Attempts to Save Money Can Backfire

    Shutterstock photo

    By Cameron Huddleston

    You’re doing your best to spend less and save more  — at least, you think so. You try to be smart with your purchases, live frugally and put money into savings each month.

    But what if all the effort you’re putting into cutting costs and trying to set aside cash for the future isn’t paying off the way you hoped? Here are seven ways your attempts to save money could be backfiring.

    1. You Spend Too Much Time Trying to Find the Best Deal

    When my family was planning a trip to the beach this summer, my husband spent weeks searching for the best deal on a vacation rental property. However, every time he found a condo or beach house that fit our needs and was reasonably priced, he continued to look for an even better bargain instead of making the purchase. In the meantime, the most affordable properties were being booked by other buyers. We ended up paying a few hundred dollars more for a place that wasn’t as desirable as the cheaper, better ones located earlier in the search.

    Of course, it’s always smart to compare prices when making a purchase. But sometimes spending too much time trying to find the best deal will cause you to miss out on a pretty good one. Further, many consumers become so focused on hunting deals that they lose revenue they could have earned working.

    “Time is worth something, too,” said J.D. Roth, a personal finance expert who created the site MoneyBoss.com to help people manage their money in the way they would a business. In some cases, consumers can save more by stopping their deal searches and turning their efforts to other endeavors.

    2. You Focus on Small Ways to Save

    If you’re pinching pennies rather than making significant changes to your budget, your plans to save money might fail. Bill Van Sant, a certified financial planner and senior vice president of Univest Investments, said that when he meets with new clients, they often talk about how they’re trying to cut out small expenses to get spending under control. What people need to focus on are ways to lower their big expenses, which can net greater savings in the future.

    Start by looking at big items in your budget. According to Van Sant, individuals could save several hundred dollars a year simply by shopping around for better deals on their auto and homeowners insurance. If you’ve built up equity in your home, you might be able to refinance your mortgage and pay significantly less each month, too.

    Personal finance blogger J. Money of Budgets Are Sexy echoed this advice, revealing that he saved more than $2,400 in a year by reviewing his major monthly bills and finding ways to lower them. He cut $30 from his monthly auto insurance premium by calling his insurer to ask about ways to lower his rate. Additionally, Money slashed his cell phone bill by $100 a month just by switching to the low-cost carrier Republic Wireless. By seeking out more significant savings opportunities, you can reduce your monthly expenses without sacrificing little treats like after-work lattes.

    3. You Buy Cheap Stuff

    Consumers often try to save money by purchasing the cheapest options available. According to Roth, in some cases “the option with the lowest price isn’t the option that’s cheapest in the long run.”

    The fact is that cheap items of inferior quality might have to be replaced more often, a fact that could negate any savings potential. You might even find yourself paying more to buy a new product than if you’d purchased the more expensive, high-quality one the first time around.

    Go ahead and opt for the cheap item if it’s something you won’t use often, Roth said. But for products that matter to you or will be used frequently, it’s typically worth it to pay more for quality. Just don’t use this advice as an excuse to buy the most expensive option. When in doubt, purchase the product you can afford over the one you can’t.

    4. You Buy Things Because They’re on Sale

    Just because a product is on sale doesn’t mean you should use your hard-earned cash to purchase it. “A lot of people will pick up something just because it’s on sale — even if they don’t actually need it,” said J. Money. No matter how good of a price you get, you aren’t saving money if you’re buying something you don’t need or won’t use.

    To avoid spending money on unnecessary items, make a habit of asking yourself if you’d be willing to purchase the items at full price. Doing this can help you determine whether you’re attracted to the product or just the sale price. It’s also wise to unsubscribe from email alerts for daily deal sites  and retailers to avoid the temptation of buying discounted goods and services you don’t need.

    5. You Waste Money Trying to Save Money

    People often think that they’re saving money by filling up at the cheapest gas station, even if they have to drive miles out of their way. But they’re not taking into account that they’ve used gas to get there, a fact that likely eliminates their savings, Roth said. The same is true for driving to several out-of-the-way supermarkets to take advantage of various sales or discounts.

    Similarly, consumers should be wary of shopping at warehouse clubs and buying bulk food in an attempt to save. If the items you’re purchasing can be frozen or have a long shelf life, you might be saving money per unit. But if you’re buying large amounts of perishable food that goes bad before you can eat it, you might as well be throwing your cash away.

    6. You Don’t Set Aside the Money You’ve Saved

    The fact that you’ve managed to eliminate a few bills doesn’t mean you’re saving that money long term. “People tend to spend extra cash they think they’re saving by cutting things out,” said Van Sant. Hence, for many consumers, penny pinching doesn’t end up growing savings long term.

    To ensure you’re getting the most from your efforts to cut costs, arrange for saved money to be diverted automatically to a savings account. For example, if you cut your auto insurance by $30 a month, as J. Money did, log onto your checking account to set up a monthly automatic transfer of that amount to an interest-bearing account. You can also boost your monthly 401k contributions by that amount. Then you’ll actually be saving the money you saved.

    7. You Make It Too Easy to Access Your Savings

    Modern technology makes it easy to transfer money from savings to a checking account. Unfortunately, this ability can also hinder consumers’ efforts to save. People who save for an emergency or home down payment using a savings account with the same bank they have their checking account have good intentions, Van Sant said. But if something comes up, they’re more liable to use the money they meant to save. “It’s so easy to transfer money that it derails the plan,” he explained.

    To combat this issue, Van Sant recommended that people put their savings in something that’s harder to access, such as a money market account with a brokerage firm. If you have to take an extra step to move your money to checking, you might think twice before doing so. This strategy has helped Van Sant’s clients break the bad habit of dipping into their savings.

    Even the best-laid plans to save aren’t always successful. Avoid these missteps to ensure your efforts to cut costs and save money aren’t for naught.

    The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

    Can You Lease a Used Car? Consumer Reports #used #car #listings


    #auto leases
    #

    Learn about the risks before signing the lease

    Used-car leasing is a small segment of the used-car market, but with modest payments and the ability to lease “certified” used cars, some people find leasing a used car appealing.

    All the benefits of leasing, such as comparatively low payments and a hassle-free return at the end of the contract, apply to a used-car lease as they do to a new-car lease. And since most of a leased car’s monthly payment goes to anticipated depreciation, which is less severe as a car ages, monthly payments could be lower. The financial risk with a used-car lease, though, can be substantially greater.

    Leasing risks. Foremost is the chance of service problems. Consumer Reports’ reliability data suggest that on average, a three-year-old car has more than twice as many problems as a one-year-old car does. Bear in mind that any repairs you must make that are not covered by a warranty come out of your pocket, even though you do not own the car. For that reason, it may be a good idea to purchase a comprehensive, bumper-to-bumper warranty for the full lease term.

    Another risk with used-car leasing is that it’s difficult to predict what that car will be worth when it’s, say, five years old. There is a great deal of variation in the five-year-old market. But that knowledge is necessary because your monthly payments hinge on its supposed retained value. If the dealer sets it too low, your payments will be higher than they need to be. If he or she sets it too high, it gives him or her latitude to push up the car’s initial price while offering what seem to be acceptable monthly payments.

    The best vehicles to lease, therefore, are those that hold their value very well. Those tend to be luxury cars, sports cars, and some SUVs. As a result, used-car leasing has become largely the province of luxury makes such as Audi, Lexus, and Mercedes-Benz.

    Assuming a lease. It’s not only car dealers who handle leases. When a private party wants to get out of a lease early, he or she might look for someone willing to take over the lease payments. You can find lists of offerings on the Internet, where sites found at www.swapalease.com. www.leasetrader.com. and www.leasecompare.com act as brokerages where people looking for a lease assumption can see what’s on offer. The original lessee will sometimes offer a cash rebate, which effectively lowers the monthly payment on the vehicle.

    The benefit of assuming a lease is that you save the up-front fees, such as a down payment and other “due at inception” fees. Bear in mind, though, that when you assume someone else’s lease you also assume their responsibilities. For instance, you’ll have to pay for any existing damage, “excess wear and tear,” or over-the-limit mileage charges at lease-end.

    Tips for used-car leasing

    • If you are working with a dealer, bargain the price down as if you were buying the car.
    • Check that any warranty is comprehensive and lasts the duration of the lease.
    • Make sure you can live with the mileage limits spelled out in the lease contract. Over-limit miles can cost you as much as 25 cents each.
    • Check the vehicle’s history, which might reveal that it was in a major acci-dent, wrecked and salvaged, or had its odometer rolled back. Vehicle-history reports are available for about $20 (or unlimited reports for $25) from two companies, CarFax and Experian AutoCheck. Keep in mind, however, that a clean report doesn’t guarantee that a vehicle doesn’t have hidden problems.
    • Before signing the lease, have the vehicle inspected by a qualified mechanic, who can put it on a lift for a full diagnostic check.

    We Can Fix That! Leather Car Seat Repair, Auto Interior Repair of Fabric, Vinyl, Carpet – More #used #jeeps


    #auto carpet replacement
    #

    Automotive Interior Repair Services

    Auto Leather Car Seat Repair

    At Creative Colors International, we are dedicated to restoring your car s leather, vinyl or fabric interior appearance to a like-new condition using our own proprietary repair and restoration systems.

    Our mobile repair system allows car interior repairs to be completed on–site while maintaining the standards and quality of the vehicle’s original condition.  From automotive dealerships, auto auctions, car rental companies, body shops, insurance companies and car owners, we have the capabilities to get the job done right.  We have built a solid reputation in the automotive industry.

    When you call on Creative Colors International, you call with confidence.  We have a nationwide team of certified technicians that are not only experts in providing seamless car leather interior repairs, but are also trained to know your business.

    Find out how you can discover significant cost savings.

    Get your FREE on-line quote here!

    Repairs CCI Offers:

    • Leather Car Seat Repair —Tears, Burns, Holes, Seams, Stain Removal, Color Restoration
    • Car Fabric Repair Tears, Burns, Holes, Seams, Stain Removal, Color Restoration
    • Vinyl Car Interior Repair Tears, Burns, Seams, Scratches, Stain Removal, Color Restoration, Color Change
    • Auto Leather Repair Tears, Burns, Scratches, Seams, Stain Removal, Color Restoration, Clean Condition, Color Change
    • Car Carpet Repair Tears, Burns, Phone Holes, Stain Removal, Kool-Aid Removal, Bleach Spots, Color Restoration
    • Headliner/Visors Tears, Burns, Stain Removal, Visor Strap Repairs
    • Car Console Repair Dent Removal, Cracks, Tears, Burns, Phone Holes, Scratches, Color Restoration
    • Car Dashboard Repair  — Dent Removal, Cracks, Tears, Phone Holes, Scratches, Colors Restorations, Color Change
    • Steering Wheel Repair Restoration Burns, Scratches, Tears, Re-graining, Color Restoration
    • Convertible Top Restoration and Repair Tears, Burns, Scratches, Color Restoration
    • Speaker Cover Repair Holes, Renewal, Color Restoration
    • Smoke Odor Elimination for your vehicles interior through ozone or chemicals. Includes mold blocking treatment.
    • Pre-owned Certification with Per Car Pricing
    • Complete Detailing Services  —  *services vary by location
    • Car Carpet Care Programs
    • Customized Logo Floor Mats

    We Proudly Serve:

    Refinance Calculator: know how much you can save through refinancing #used #ford


    #refinance auto loan calculator
    #

    Refinance Calculator

    User Rating. ( 37 votes, average: 4.05 out of 5 )

    Should I Refinance Now? Our mortgage refinance calculator tells if you’ll save money, lower your payments save on interest fees. Simply enter information like principal loan balance, and current payment and interest rates to find out if refinancing is the right thing to do now.

    This mortgage refinancing calculator tool compares your existing mortgage against terms of a new loan. To make the most of this calculator, you should have actual mortgage quotes to compare against. You can request up to four free quotes through our free matching service to see what refinance rates are available to you in order to find the best refinance rates.

    * Do not include any escrow contributions, prepaid interest, prepaid taxes, insurance (other than title insurance), or other “prepaids” as closing costs.

    How to use the Refinance calculator

    When using a refinance calculator, you’ll be asked to enter the following information for your current mortgage loan:

    • The original loan amount
    • Interest rate (APR)
    • Total length (repayment term): mortgage loans usually have repayment terms of 15 or 30 years.
    • Time remaining : If you have a 30 year loan, and have made payments for five years, the time remaining would be 25 years
    • Remaining principle on current loan: This is your present mortgage balance. Your monthly mortgage statement should show this information.

    Now you’ll enter the refinancing terms you’re considering:

    • Amount refinanced: This is the amount you want to borrow for your new mortgage.
    • Interest rate of new mortgage: Enter the interest rate for the new mortgage
    • Term length : Enter how long you’ll have to repay the new loan. (Typically 15 or 30 years for mortgage refinancing loans).
    • Cash out amount, if any: Enter any additional cash you’re taking out, for debt consolidation / payoff, home improvement, vacations, medical expenses or whatever.
    • Closing costs, discount points, down payment amount: The refinance calculator displays an estimated amount of closing costs, not including discount points, on the next screen. You can use this estimate if you don’t know the amount of closing costs.

    Use the drop-down window to select the appropriate option for paying closing costs:

    • Paid by cash or check: You’re contributing funds to cover closing costs
    • Rolled into the loan: Your refinanced mortgage amount will include closing costs.
    • Paid by Lender: Your mortgage lender pays the closing costs (but you’ll pay a slightly higher interest rate).

    After clicking the “calculate” button, the first section of the next screen displays a comparison of your current and proposed mortgage amounts, interest rates, and if applicable, any cash out amount and closing costs for the new mortgage.

    The next section compares the interest you’ll pay for the full term of your existing loan and for the new loan.

    The third section of the screen shows your current monthly payment compared to the estimated monthly payment after refinancing. Finally, the calculator indicates the net estimated savings after payment of closing costs (if applicable.) This is the “bottom line” figure that can help you decide whether or not to refinance. You can use the refinance and comparison calculators for reviewing multiple refinancing options.

    Once you’ve tested different rates and figures, try comparing the lowest rates offered by mortgage refinancing lenders. There results are tailored to you, and there’s no obligation for seeing if you qualify for a refinancing rate lower than your current rate. With lenders competing to offer you their lowest rates, you could end up saving thousands over the course of your loan!

    13 Responses to “Refinance Calculator”

      Lauren 12, Aug, 2012

    Staying with your current lender eases the refi process, and may be best if their rate is comparable to the other lenders. If you do have money to invest in closing costs, and are willing to pay for a lower rate, use the refinance calculator to determine how many months it will take before you recoup your closing costs in monthly savings and make sure there is little chance of you selling the home before that time. We wish you well in your search. One of two things will happen, you’ll either find a way to save yourself some money by refinancing now, or you’ll find yourself better prepared to take advantage of the next refinance opportunity that comes your way. Either way you win. Too many people just resign themselves to their current loan and aren’t so proactive at exploring opportunities for improving their situation. Calculators4Mortgages applauds you for being such a proactive manager of your financial affairs.

    Reply MASH 09, Sep, 2011

    I have a april 2004 manufactured home and need refinance my current 15yr mortgage at 4.75%. I am more than 6yrs into biweekly payment and the left over amount is lower than the current value of the house. I was offered a lower rate 15yrs loan but it doesn’t save me anything and extend the period of loan till 2026 which I don’t want. The calculator doesn’t help on biweekly payents started sometime in the middle of last 6yrs. I was also offered no closing cost.Can anybody help me out with this problem. I would like to save money if I refinance. Lower payment but need to have some saving too.

    Reply Cris 24, Feb, 2010

    We part way through both a 1st and a 2ndwith different $ amounts and time remaining. Do you have a calculator that can help us figure out if we should refi both into a new loan.

    Reply Refinance 10, Feb, 2010

    Interesting.

    Reply Jonathon 08, Jan, 2010

    Works great

    Reply ld 13, May, 2009

    cool

    Reply Linda 20, Mar, 2009

    Philly Auto Show: 5 can t miss things to see at the show #used #car #sites


    #philly auto show
    #

    Philly Auto Show: 5 can’t miss things to see at the show

    Get your engines started because this year’s Philadelphia Auto Show — at the Pennsylvania Convention Center in Philadelphia — has some fun, quirky finds. Usually people go looking to spot their next new car, but there are other things to see here. Promise.

    First, one car has been getting a lot of attention. Built by high school students and their teachers,make sure you don’t walk past this sporty blue gem. At the Workshop School in Philadelphia, students and teachers designed and built a car that runs on bio-diesel fuel.

    The bio-diesel fuel came from leftover fryer oil from Federal Donuts. So basically, the car runs on Federal Donuts fryer oil. Really. It does.

    “The students at the school have been making hybrid and electric vehicles for a long time,” said Simon Hauger, the school’s principal.

    But the goal of this car was to make it “fast, cool-looking and earth-friendly.”

    And this car is definitely all of those things. And running on fryer oil — vegetable oil — is environmentally friendly, “it burns cleaner” than regular diesel fuel, Hauger said, it “removes the product from the waste stream,” and it’s a “much better engine lubricant.”

    “There are tons of upsides,” he said.

    Second, make sure you take a ride at Came Jeep. This reporter hopped into a 2016 black Wrangler Rubicon with driver T.J. and off we went.

    Just make sure you put on your seatbelt. It’s definitely a bumpy ride. You go over bumpy “logs,” steep inclines and more. And be prepared to lean over. The Wranger rode over a steep hill and didn’t tip over. But it sure feels like it will.

    It’s a lot of fun. And it doesn’t cost anything to take a ride.

    Third. take a walk over to the exotic cars. Ever wanted to see a Maserati or Lamborghini up close. I know, these are definitely out-of-reach dream cars that everyone drools over. It’s a lot of to dream, though.

    There’s a huge section of exotic cars, so take your time and browse.

    Fourth, check out the Corvette Z06 pre-production car that product specialist Sean Bennett said “gives a foreign performance for a domestic price.”

    “It’s in a league of it’s own. It’s an argument-ending car,” he added.

    But don’t go running to purchase this car yet. It starts at $78,000. That’s still nothing to sneeze at.

    Finally, check out the classic cars section.

    There’s the 1929 DuPont Le Mans Speedster, the 1970 Plymouth Superbird and the 1954 Austin-Healy. People love looking at classic cars, and there are tons to see here.

    You can’t sit in these cars, but you can get pretty close.

    Philadelphia Auto Show tickets are $13 for adults, $6 for seniors and children, children 6 and under are free. The show runs from Jan. 31 through Feb. 8. For more information, visit www.phillyautoshow.com .

    No Credit History? You Can Still Buy a Car #dupont #auto #paint


    #no credit auto loans
    #

    No Credit History? You Can Still Buy a Car

    by: Justin Leach

    It s a classic scenario: you want a car loan but don t have any real credit history. Many first-time car buyers think they ll either have to buy some old beat up car for cash or accept financing terms that anyone else would find outrageous.  The truth is there are several things you can do today to get you behind the wheel of a solid car and still leave you with enough money to fill up the tank.

    Step one:

    I can t stress this enough-Get your credit report and credit score from all three credit bureaus (Experian, Equifax and TransUnion.)  You need to know where you stand.  Are you certain your student loan consolidation got reported correctly?  Or how about that time you were late paying your credit card?  Maybe you forgot, but the credit bureaus didn t.  The dealer will pull your credit reports, so make sure they are accurate and that you ve taken care of any outstanding problems.

    Step two:

    Take a realistic look at your finances.  After all other expenses, how much can you really afford to put toward a car payment, insurance, gas and maintenance? You ll be a more attractive buyer if you can provide a decent down payment and keep your car payment to a low percentage of your monthly income.

    If you ve got a couple cars already in mind, go online to get several auto insurance quotes.  Many financing sites like ToyotaFinancial.com provide on-line tools to help you estimate payments.

    Play with the numbers and remember a lower annual percentage rate (APR) with longer terms will give you lower monthly payments the flipside is that you ll pay more in interest over the life of the contract. To help save more money, consider taking a contract with a shorter term.

    Read more car buying stories:

    Step three:

    Explore your options. You may qualify for programs that could bring down the purchase price of a vehicle or provide you with better financing options. For example:

    College Grad: Did you just graduate or will you soon?  At Scion.com not only do they offer $400, but they offer no money down, deferred first payment for 90 days and they throw in free roadside assistance for a year.  And, of course, at Scion, there is no price negotiation the price is the price, no haggling.

    First Time Buyer: Some programs assist first time buyers in purchasing certain model vehicles.  Interested in a Yaris, Matrix, Corolla or a Tacoma?  Check out the iFinance program at Toyota.com.  You ll need 10 percent down, a steady job, car insurance, references and a minimum income, but you won t need a co-signer.

    Certified Used Vehicles: Another way to save? Go used.  A certified used vehicle is one that meets standards set by the manufacturer and comes with a warranty.  You can probably find advantageous same as new financing, too.

    Leasing: Even though we re talking about purchasing a vehicle, before you hit the lots, consider if a lease might be the right option for you.  To learn more about the differences between leasing and buying, check out the article Finance or Lease: Choosing One on youngmoney.com.

    Co-signer: Got a family member with good credit willing to risk getting stuck with the bill if you miss a payment?  Should your account ever go to collections, guess who they can go after-your loving and trusting co-signer.

    I m not against the co-signer option; for many first-time car buyers, this is actually the fastest way to obtain vehicle financing and get a more reasonable rate. Just make sure you fully weigh all the benefits and potential consequences when going this route.

    Add On s :  You won t leave a dealership without being offered extended warranties and payment protection plans. Don t discount the necessity of these options.  But if your goal here is to make sure you can afford your car, research and understand what will be offered. Also, check out life and disability insurance to cover your car payments should you become disabled or, well, you know, dead.

    Step four:

    Get your paperwork together. Here are a few things to bring car shopping:

    1)      Proof of employment or future employment-a W2 or pay stubs showing at least six months of employment, or an offer letter for employment stating your salary.

    2)      References the names and contact info for up to six people.

    3)      Proof of enrollment in college and graduation date-or if you recently graduated, proof of graduation.

    4)      Copies of your credit reports.

    5)      If you have it, proof of collision insurance.

    6)      And any research you have done on the vehicles you like including invoice pricing data, incentives, rebates, Kelley Blue Book value (if you re looking at a used car) and your insurance quotes.

    OK, so you have your credit reports and credit score, you know how much you can afford, you ve researched rebates and special offers, and you have all your paperwork together. Now you re ready for that test-drive.

    Justin Leach is a communications specialist for Toyota Financial Services.  Prepare yourself for your next car buying experience by visiting toyotafinancial.com where you can view finance programs and offers tailored to meet your needs and learn more about understanding and protecting your credit, differences between buying and leasing, and various vehicle protection plans.

    Beginner s Guide to Car Loan Hunting

    Car Shopping: Kicking Your Financial Knowledge into Gear

    get-pre-approved-for-a-car-loan

    FHA Mortgage Calculator – How Much Can I Afford? #auto #window #decals


    #bankrate auto loan calculator
    #

    Required Annual Income:

    This does not include upfront mortgage insurance if needed. Your salary must meet the following two conditions on FHA loans:

    • The sum of the monthly mortgage and monthly tax payments must be less than 31% of your gross (pre-taxes) monthly salary.
    • The sum of the monthly mortgage, monthly tax and other monthly debt payments must be less than 43% of your gross (pre-taxes) monthly salary.

    DISCLAIMER: The figures above are based upon current FHA program guidelines. FHA requires a 3.5% down payment as well as an upfront and monthly mortgage insurance in many cases. Other loan programs are available. Calculations by this tool are believed to be accurate, yet are not guaranteed. See upfront and monthly calculations: FHA Mortgage Insurance Requirements .

    Helpful Answers are Ready:

    Can I remove MIP from my FHA if my home value goes up?

    My home value has risen enough within the last year to where what I owe is 80% of the current value of the home.

    I had a bankruptcy not long ago. How long do I have to wait before applying for an FHA loan?

    I put in an offer on a home and the contract was accepted. The processing of our loan took longer than necessary and the appraisal in now 90 days old.

    Can I pay my FHA loan in full without being penalized or charged for early payoff of the loan?

    I obtained an FHA loan in 2010 and recently inherited some money from my dad’s estate. It’s enough to pay off my mortgage loan.

    Car-loan refinance can save money; beware cash-out #used #auto #engines


    #auto loan refinance
    #

    Car-loan refinance can save money; beware cash-out

    Most people know you can refinance a mortgage. Fewer know you can also refinance a car loan.

    As with home loans, refinancing an auto loan can save you money or put you at risk, depending on how and why you do it.

    If you are struggling to make payments, you might be able to lower them by refinancing your existing balance into a longer-term loan. But unless you dramatically reduce your rate, you will pay more interest in the long run. If you want to raise cash by tapping the equity in your car, some lenders will let you refinance your loan into an even bigger one and give you the difference.

    Cars vs. houses

    Yes, this is the same cash-out refi strategy that got many homeowners in trouble. When the value of their homes fell, they were upside down, or owed more than the home was worth. This made it hard or impossible to refinance into a cheaper mortgage when interest rates fell. Those who couldn’t make their payments or get a modification lost their homes. Doing a cash-out refi with a car is even more questionable. Interest on a home mortgage is generally tax deductible, up to a point. Interest on a car loan is not.

    Upside-down homeowners could get right-side up if home prices improve. But with very few exceptions, cars depreciate. You could end up owing more than your car is worth if you start with a high loan-to-value ratio and it depreciates faster than you can pay the loan off.

    “Longer term, house prices go up. But car prices go down very quickly. If you took cash out, a year from now you could have negative equity in your car. If you lose your job or your spouse dies, you would have to pay to get out of the car,” says Philip Reed. senior consumer advice editor at Edmunds.com .

    You would also be in trouble if the car was stolen or totaled in an accident, says Greg McBride. senior financial analyst with Bankrate.com. The insurance company would not pay you more than the car is worth.

    Starting upside down

    A few banks, including Wells Fargo, will let you borrow more than your car is worth, putting you in a negative equity position from day one.

    Bob Hurzeler, head of Wells Fargo’s direct-to-consumer auto finance division, says the bank will lend up to 152 percent of the car’s wholesale value, although very few customers will qualify for the maximum.

    “We look at your payment-to-income (ratio), debt-to-income, your car, your credit history, but mostly the ability to pay,” he says.

    On its website, Wells suggests using cash from a vehicle refinancing for uses such as “holiday expenses” and “summer landscaping.”

    Hurzeler says some customers do cash-out refis because they want to consolidate an auto loan with credit card or other debt. The auto loan has a fixed rate and term so it’s sure to be paid off, whereas the other debt might have variable rates.

    “If it doesn’t benefit the customer, we are not doing it,” Hurzeler says.

    Borrowers who refinance their car loan will generally need a higher credit score and pay a higher rate if they want to take cash out. The average FICO score on cash-out refis was 697 last month, Hurzeler says.

    Chris Kukla. a senior counsel with the Center for Responsible Lending. says a cash-out auto refi “is not the best option,” but it might be better than taking an advance on a credit card or a high-cost consumer loan. But borrowing more than your car is worth “is a recipe for disaster.”

    In most states, if you miss a payment, lenders don’t have to wait long to repossess your car and can still come after you for the unpaid balance. In California, the legal owner can repossess your vehicle at any time after the first day you miss a payment, although your contract might entitle you to grace-period or other protections, according to the California Department of Consumer Affairs .

    Having a car repossessed clobbers your credit score. “It’s in the same ballpark as a foreclosure, although probably not as severe because the balance not paid is smaller,” says FICO spokesman Craig Watts. He estimates repossession could knock 80 to 100 points off your FICO score.

    When it makes sense

    Consumer advocates agree that refinancing your existing balance for the time remaining on your loan is a good move if you can substantially reduce your interest rate.

    This might be possible if rates have dropped since you took out the loan, if you got talked into a high-rate loan when you bought the car, or if your credit score has improved a lot.

    Craig Weiss of Applegate (Placer County) recently refinanced two used-car loans totaling $35,000. The old ones were at 12 and 15 percent. The new ones, from a local credit union, were at 4.2 and 4.3 percent, saving him almost $150 a month.

    Weiss got his new loans, indirectly, through MoneyAisle.com. At this site, consumers can request a loan or savings product and participating banks and credit unions bid for their business in a live auction. Consumers are presented with the best rate and follow a link to apply for the loan or product.

    Mukesh Chatter. chief executive of Moneyaisle.com, says few, if any, of the 135 lenders on his site will do cash-out auto refis.

    Consumers can also compare rates at sites such as www.bankrate.com/auto or call individual lenders.

    McBride says consumers should “shop around, watch out for up-front costs, deal with someone reputable, and don’t stretch the term.”

    Can Low-Impact Accidents Cause Injuries? #police #auto #auction


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    Can Low-Impact Accidents Cause Injuries?

    Many automobile accidents are low impact, or under 10 miles per hour and cause only minor property damage. In a sizable number of these cases, however, the occupants may complain of various injuries from neck and back strains to more serious spinal or joint problems. Most of these victims face considerable opposition to their injury claims from skeptical insurance adjusters and defense attorneys.

    The Forces Involved in a Car Accident

    Few people will dispute the great forces involved in a high-speed automobile collision, but these forces also apply in low-speed impacts. A typical automobile weighs about 2,000 pounds, so a collision at 10 miles per hour will result in an average impact force of about 3.7 tons. A larger vehicle of about 3,000 pounds, colliding at 10 miles per hour, will produce an average impact force of about 5.6 tons, a significant blow to an occupant s neck and back.

    Victims in rear-end collisions are also at risk regardless of the speed of the impact, based on reliable car crash studies, grounded on a principle known as magnification of acceleration. This means that the occupants of the car will accelerate much faster than the car being impacted and so will absorb much of the force involved over 5 tons worth in the example given above. An experienced automobile accidents attorney should be consulted for more information.

    Injuries From a Low-Impact Crash

    Documented tests demonstrate that low-impact accidents can affect the soft tissues in a person s neck or back, such as ligaments, tendons, and muscles. Elderly persons or those in poor physical condition who may have preexisting injuries in these areas are more susceptible to these types of injuries from impacts even at low speeds. A skilled PI attorney should be able to convince a jury or insurer if these circumstances exist in your case.

    A soft tissue sprain produces a partial or complete tear. The occupant s position in the car, the use of head restraints, or whether the head was rotated all affect the extent of the injury. In a rear impact, the occupant s neck and back are first thrown backward and then forward, forcing the body to stretch unnaturally, so the person may feel the effects of the injuries for months. In some cases, an injured party will have chronic pain that lasts for years. Data on impacts and injuries are collected by the National Traffic Highway Safety Administration .

    Proof of Injury

    Proving an injury from a low-impact accident can be a daunting task for any personal injury attorney. Typically, an accident reconstruction expert may have to be retained and credible medical testimony provided before a dubious insurance adjuster can be convinced of the validity of an injury claim resulting from a low-impact accident.

    Can shopping for a loan have an effect on my credit? > Consumer Financial Protection Bureau #auto #parts #express


    #online auto loans
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    Can shopping for a loan have an effect on my credit?

    updated 11/17/2015

    Here s the bottom line: Any change to your credit score from shopping will be a minor price to pay for getting the best deal on a car, mortgage, or student loan. If you have a great credit history, shopping around may have no impact on your credit score at all. And even if your credit history is less than stellar, the impact from shopping around for a loan is likely to shave off between one and five points. On a typical credit score of around 675 that s not likely to affect you much, especially when you compare that to the hundreds or even thousands of dollars you could save by finding a better interest rate on a loan.

    For specific types of loans — auto, mortgage, and student loans – credit scoring models are also designed to take shopping for a loan into account. Let s say you are looking around for an auto loan and you authorize five lenders to check your credit score. All those credit checks — the industry calls them inquiries should either count as zero or one inquiry, if the inquiries are made in a short period such as fourteen days. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as two inquiries.

    Tip. When you apply for a loan and the lender checks your credit, a credit score is created for the lender. According to one major credit scoring company, any inquiries that took place in the 30 days prior to that scoring will not affect your credit score. So it s a good idea to do your loan shopping in a timely manner.

    The rules on inquiries are different if you are applying for new credit cards. Credit scoring companies consider consumers who apply for several new credit lines in a short period of time to be a higher risk and they adjust credit scores accordingly.

    But don t worry about all those promotional offers for credit cards impacting your credit score. Those promotional inquiries do not count against your credit score.

    For tips on how to keep your credit score up, click here .

    Get Help

    We’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

    Where can you buy repossessed cars #auto #auctions


    #buy cars online
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    Where can you buy repossessed cars?

    Karate1000

    Answered Last

    Here is a variety of advice:

    • If I were you I would check out your county for repossessions to be sold they generally sale for 2/3 of the loan value.
    • I would NOT buy a car that has been repoed. Simple logic tells me that the driver was NOT doing ANY repairs or even oil changes, before it got pulled away. In my years of experience doing vehicle repos, (yes I do know what I am talking about here) the number of outright clunkers was higher than 75 percent.
    • Junk on wheels is what we used to call them. Run to death and barely able to be driven. Buyer beware is what I say.
    • What if my truck worth 15k is repoed because I quit paying on the 20k loan. Then I buy it at auction because I know I took care of it? Heck, I could even dirty it up inside a little first so it will auction for less.
    • It won’t work. If it was repo’d by a buy-here-pay-here lot, they’ll put it back on the lot and certainly aren’t going to deal with you. If it was taken by a bank or manufacturer’s finance company, it is going to a wholesale auction where you need a dealer’s license to bid. Some smaller credit unions or finance companies will sell their repo’s in their parking lot, but that’s just like the BHPH place – they aren’t going to talk to you. Besides, you STILL OWE the difference between the loan (plus repo fees) and what it brings. It’s cheaper to make your payments.
    • 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.
    • Call your local Credit Unions and ask them if they have any vehicles for sale. Most of them do these days. These are high quality cars for good prices and you are buying from a reliable source. Credit Unions will also give you good financing terms to get the cars off of their books. You could search online or just open the phone book and start calling.

    When an Attorney Can Help in a Car Accident Case. #usa #auto


    #auto accident lawyer
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    When an Attorney Can Help in a Car Accident Case

    Need a lawyer? Choose an area of practice:

    An automobile accident brings with it a host of questions. Who is at fault? Who pays for damage to my car? Am I entitled to a rental car? Who will pay for my medical bills? Can I ask the insurance company to reimburse me for lost wages? An experienced injury attorney can be extremely helpful in negotiating the often chaotic and confusing world of insurance claims and settlements.

    Because most injury attorneys work on a contingent-fee basis. and only get paid if there is a successful resolution to your claim, there is often little incentive to try to handle these types of claims on your own.

    Knowledge of Law and Procedural Rules

    Hiring a personal injury attorney to represent you after a car accident means you will have a professional working for you — one who is extremely knowledgeable about the relevant laws and procedural rules that may affect your case.

    An attorney can advise you of any time limits (called statutes of limitations ) that can bar you from filing a lawsuit against the at-fault driver. For instance, in many states you must file your lawsuit within two years of your car accident or be forever prohibited from filing your lawsuit. An attorney will also be able to inform you about any special exceptions to the statute of limitations — for minors, for example.

    Your attorney can file a lawsuit on your behalf and will know how best to handle any possible defenses raised by the other side. In addition, once your case gets under way, an attorney will be an invaluable guide in navigating the often confusing world of trial preparation — and even going to trial if your case doesn’t settle .

    Finally, and perhaps most importantly, having an attorney who is knowledgeable about the law evens the playing field, especially when you are going up against the experience and vast resources of a large insurance company.

    Lawyers Do The Legwork

    There is a lot of work that goes into negotiating an insurance settlement and trying a personal injury lawsuit. After you have been in a car accident, taking on this time-consuming work may be the last thing you want to do, assuming you’re able. An attorney can do it all for you.

    Whereas this may be your first time dealing with the ins and outs of an accident claim, injury attorneys have dealt with all manner of claims and a variety of insurance companies. They have experience obtaining the necessary evidence to support your claim, including gathering police reports, witness statements, medical records and bills, and employment and lost wage information.

    Your attorney will also be able to organize the evidence and prepare a settlement demand letter for the insurance company. If you are unable to settle your accident case, your attorney can take care of filing the necessary paperwork to start a court case and can deal with the defense attorneys on your behalf. Having someone knowledgeable handling the hard work of your case eases the burden on you, which is especially important if you have been seriously injured and are trying to recover from your injuries.

    An Attorney Advocates for You

    Perhaps the most important way an attorney can help you with your car accident case is by being your advocate. This means that your attorney acts on your behalf and for your benefit throughout the entire claims process (negotiating with the automobile insurance company) and even in court if a lawsuit becomes necessary. He or she will be your champion before the judge, jury and other attorneys, making sure that your side of the story is heard and that you are compensated for all of your losses .

    Having an experienced and articulate advocate working for you is essential in obtaining a reasonable and fair resolution in your car accident case.

    Philly Auto Show: 5 can t miss things to see at the show #auto #shop


    #philly auto show
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    Philly Auto Show: 5 can’t miss things to see at the show

    Get your engines started because this year’s Philadelphia Auto Show — at the Pennsylvania Convention Center in Philadelphia — has some fun, quirky finds. Usually people go looking to spot their next new car, but there are other things to see here. Promise.

    First, one car has been getting a lot of attention. Built by high school students and their teachers,make sure you don’t walk past this sporty blue gem. At the Workshop School in Philadelphia, students and teachers designed and built a car that runs on bio-diesel fuel.

    The bio-diesel fuel came from leftover fryer oil from Federal Donuts. So basically, the car runs on Federal Donuts fryer oil. Really. It does.

    “The students at the school have been making hybrid and electric vehicles for a long time,” said Simon Hauger, the school’s principal.

    But the goal of this car was to make it “fast, cool-looking and earth-friendly.”

    And this car is definitely all of those things. And running on fryer oil — vegetable oil — is environmentally friendly, “it burns cleaner” than regular diesel fuel, Hauger said, it “removes the product from the waste stream,” and it’s a “much better engine lubricant.”

    “There are tons of upsides,” he said.

    Second, make sure you take a ride at Came Jeep. This reporter hopped into a 2016 black Wrangler Rubicon with driver T.J. and off we went.

    Just make sure you put on your seatbelt. It’s definitely a bumpy ride. You go over bumpy “logs,” steep inclines and more. And be prepared to lean over. The Wranger rode over a steep hill and didn’t tip over. But it sure feels like it will.

    It’s a lot of fun. And it doesn’t cost anything to take a ride.

    Third. take a walk over to the exotic cars. Ever wanted to see a Maserati or Lamborghini up close. I know, these are definitely out-of-reach dream cars that everyone drools over. It’s a lot of to dream, though.

    There’s a huge section of exotic cars, so take your time and browse.

    Fourth, check out the Corvette Z06 pre-production car that product specialist Sean Bennett said “gives a foreign performance for a domestic price.”

    “It’s in a league of it’s own. It’s an argument-ending car,” he added.

    But don’t go running to purchase this car yet. It starts at $78,000. That’s still nothing to sneeze at.

    Finally, check out the classic cars section.

    There’s the 1929 DuPont Le Mans Speedster, the 1970 Plymouth Superbird and the 1954 Austin-Healy. People love looking at classic cars, and there are tons to see here.

    You can’t sit in these cars, but you can get pretty close.

    Philadelphia Auto Show tickets are $13 for adults, $6 for seniors and children, children 6 and under are free. The show runs from Jan. 31 through Feb. 8. For more information, visit www.phillyautoshow.com .

    Can I Refinance A Car Loan On Bad Credit? #auto #blue #book


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    Can I refinance a car loan on bad credit?

    “auto”

    I know there are some options out there for homeowners to refinance their home mortgages to help them get back on their feet. Are there similar options to refinance a car loan?

    Dear Tony,

    I’m sorry to hear that your family is struggling. Unfortunately, there’s no similar program to refinance your car loan. Refinancing typically requires at least a medium credit score. There are also some other requirements relating to your car. Read Bankrate’s “Refinancing a car loan when money is tight” for some tips.

    Since it sounds like you are having financial problems, call your lender and explain your situation to see if your car loan can be modified. While it most likely won’t let you refinance if your credit is lousy, the lender may modify the loan by extending the terms to help lower your monthly payments.

    This is certainly far less than ideal, but it may be the only way to make your car loan affordable. Making your car loan payments on time is important because you do not want to have your car repossessed as you not only lose your car but will seriously damage your credit.

    10 Car Insurance Discounts That Can Save You Money #auto #parts #online


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    10 Car Insurance Discounts That Can Save You Money

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    Contents

    These days it seems like people are trying to save money wherever they can and car insurance discounts can certainly help with that quest. There are quite a few ways you can get discounts on your insurance premiums. Look into these ten different auto insurance discounts to see if you qualify – and don’t forget to claim them if you do!

    Bundling Discount

    Club Membership Discount

    Certain clubs and organizations have worked out deals with various insurance companies to provide discounts to their members. In fact, some of these discounts can apply not only to your auto insurance, but also to your other types of insurance coverage. Not every club or organization has these types of deals in place and not every insurance company honors them. Generally it’s a good idea to check with all the organizations to which you belong and find out what discounts (if any) they have arranged and with what companies.

    Defensive Driver Discount

    Taking defensive driving courses is another way to get a discount on your auto insurance rates. Just like all the rest of them, not every company offers this discount, but many do. It can represent as much as ten percent off on your premium. That could even be incentive to get in there and hit the books a little harder. You will not only get a better grade out of the situation but you could also get a hefty discount on your auto insurance. That’s what they generally call a win-win situation. Not only that, you may end up learning some important defensive driving techniques that can actually help you avoid an accident – saving both yourself (and your insurance company) a lot of money – not to mention keeping you and your loved ones safe and sound.

    7 Ways Your Attempts to Save Money Can Backfire. #used #trucks


    #cheap full coverage auto insurance
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    7 Ways Your Attempts to Save Money Can Backfire

    Shutterstock photo

    By Cameron Huddleston

    You’re doing your best to spend less and save more  — at least, you think so. You try to be smart with your purchases, live frugally and put money into savings each month.

    But what if all the effort you’re putting into cutting costs and trying to set aside cash for the future isn’t paying off the way you hoped? Here are seven ways your attempts to save money could be backfiring.

    1. You Spend Too Much Time Trying to Find the Best Deal

    When my family was planning a trip to the beach this summer, my husband spent weeks searching for the best deal on a vacation rental property. However, every time he found a condo or beach house that fit our needs and was reasonably priced, he continued to look for an even better bargain instead of making the purchase. In the meantime, the most affordable properties were being booked by other buyers. We ended up paying a few hundred dollars more for a place that wasn’t as desirable as the cheaper, better ones located earlier in the search.

    Of course, it’s always smart to compare prices when making a purchase. But sometimes spending too much time trying to find the best deal will cause you to miss out on a pretty good one. Further, many consumers become so focused on hunting deals that they lose revenue they could have earned working.

    “Time is worth something, too,” said J.D. Roth, a personal finance expert who created the site MoneyBoss.com to help people manage their money in the way they would a business. In some cases, consumers can save more by stopping their deal searches and turning their efforts to other endeavors.

    2. You Focus on Small Ways to Save

    If you’re pinching pennies rather than making significant changes to your budget, your plans to save money might fail. Bill Van Sant, a certified financial planner and senior vice president of Univest Investments, said that when he meets with new clients, they often talk about how they’re trying to cut out small expenses to get spending under control. What people need to focus on are ways to lower their big expenses, which can net greater savings in the future.

    Start by looking at big items in your budget. According to Van Sant, individuals could save several hundred dollars a year simply by shopping around for better deals on their auto and homeowners insurance. If you’ve built up equity in your home, you might be able to refinance your mortgage and pay significantly less each month, too.

    Personal finance blogger J. Money of Budgets Are Sexy echoed this advice, revealing that he saved more than $2,400 in a year by reviewing his major monthly bills and finding ways to lower them. He cut $30 from his monthly auto insurance premium by calling his insurer to ask about ways to lower his rate. Additionally, Money slashed his cell phone bill by $100 a month just by switching to the low-cost carrier Republic Wireless. By seeking out more significant savings opportunities, you can reduce your monthly expenses without sacrificing little treats like after-work lattes.

    3. You Buy Cheap Stuff

    Consumers often try to save money by purchasing the cheapest options available. According to Roth, in some cases “the option with the lowest price isn’t the option that’s cheapest in the long run.”

    The fact is that cheap items of inferior quality might have to be replaced more often, a fact that could negate any savings potential. You might even find yourself paying more to buy a new product than if you’d purchased the more expensive, high-quality one the first time around.

    Go ahead and opt for the cheap item if it’s something you won’t use often, Roth said. But for products that matter to you or will be used frequently, it’s typically worth it to pay more for quality. Just don’t use this advice as an excuse to buy the most expensive option. When in doubt, purchase the product you can afford over the one you can’t.

    4. You Buy Things Because They’re on Sale

    Just because a product is on sale doesn’t mean you should use your hard-earned cash to purchase it. “A lot of people will pick up something just because it’s on sale — even if they don’t actually need it,” said J. Money. No matter how good of a price you get, you aren’t saving money if you’re buying something you don’t need or won’t use.

    To avoid spending money on unnecessary items, make a habit of asking yourself if you’d be willing to purchase the items at full price. Doing this can help you determine whether you’re attracted to the product or just the sale price. It’s also wise to unsubscribe from email alerts for daily deal sites  and retailers to avoid the temptation of buying discounted goods and services you don’t need.

    5. You Waste Money Trying to Save Money

    People often think that they’re saving money by filling up at the cheapest gas station, even if they have to drive miles out of their way. But they’re not taking into account that they’ve used gas to get there, a fact that likely eliminates their savings, Roth said. The same is true for driving to several out-of-the-way supermarkets to take advantage of various sales or discounts.

    Similarly, consumers should be wary of shopping at warehouse clubs and buying bulk food in an attempt to save. If the items you’re purchasing can be frozen or have a long shelf life, you might be saving money per unit. But if you’re buying large amounts of perishable food that goes bad before you can eat it, you might as well be throwing your cash away.

    6. You Don’t Set Aside the Money You’ve Saved

    The fact that you’ve managed to eliminate a few bills doesn’t mean you’re saving that money long term. “People tend to spend extra cash they think they’re saving by cutting things out,” said Van Sant. Hence, for many consumers, penny pinching doesn’t end up growing savings long term.

    To ensure you’re getting the most from your efforts to cut costs, arrange for saved money to be diverted automatically to a savings account. For example, if you cut your auto insurance by $30 a month, as J. Money did, log onto your checking account to set up a monthly automatic transfer of that amount to an interest-bearing account. You can also boost your monthly 401k contributions by that amount. Then you’ll actually be saving the money you saved.

    7. You Make It Too Easy to Access Your Savings

    Modern technology makes it easy to transfer money from savings to a checking account. Unfortunately, this ability can also hinder consumers’ efforts to save. People who save for an emergency or home down payment using a savings account with the same bank they have their checking account have good intentions, Van Sant said. But if something comes up, they’re more liable to use the money they meant to save. “It’s so easy to transfer money that it derails the plan,” he explained.

    To combat this issue, Van Sant recommended that people put their savings in something that’s harder to access, such as a money market account with a brokerage firm. If you have to take an extra step to move your money to checking, you might think twice before doing so. This strategy has helped Van Sant’s clients break the bad habit of dipping into their savings.

    Even the best-laid plans to save aren’t always successful. Avoid these missteps to ensure your efforts to cut costs and save money aren’t for naught.

    The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

    Car Wax Reviews – Looking for the Best Car Wax? Our site specializes in giving you information on the Best Car Wax that you can buy to protect the paint on your car #antique #auto #insurance


    #auto wax
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    Car Wax Reviews

    Waxing is a necessary step in maintaining your car. Washing removes dirt and grime on the car s surface while Polishing removes paint aberrations like swirls and light scratches. Waxing on the other hand preserves your paint. It seals the paint from the outside world. Although it may not seem obvious the cars paints are filled with little holes which dirt and water can penetrate to form rust.

    It is important for a car to be waxed to protect its paint from being damaged by the elements. Waxing twice a year will insure that your paint will survive the seasons. If you want longer lasting rust-free paint and a fresh look on car for your years to come then it is vital that you should wax.

    Best Car Wax

    Listed below are the three best car wax that are economical and widely available.

    Meguair’s Hi Tech Yellow Wax

    (aka Meguiar’s #26 )

    This Meguiar’s car wax product provides the best value and is widely available. Unlike the Pinnacle Souveran this paste wax product is a blend of yellow Carnauba, polymers and silicones. This makes it a synthetic wax as opposed to natural carnauba waxes.

    Best suited as a car wax for black or darker colored cars the Meguiar’s Hi Tech Yellow Wax is known as Meguiar’s #26 to professional car detailers. It has taken a backseat to Meguiar’s own NXT 2.0 but the Meguiar’s #26 is the choice of professionals for black cars.

    If you have a daily driven black car you may want to get this as it is priced well below $20 dollars. You can even find it for as low as $8 dollars online.

    FX SynWax ( Product #20016 )

    The FX line is MOTHERS High-Tech entry into the market. Instead of Carnauba wax the FX SynWax contains custom engineered polymers that bond with paint. The effect is protection especially with UV damage. This product is easy to remove and provides a shine that is durable.

    Turtle Wax Super Hard Shell

    ( Product No. T-123R, T-222R, T-223R )

    Coming in both Liquid and Paste forms the Turtle Wax is the most recognizable car wax in the world. Turtle Wax claims that it can last up to 12 months which is true for well maintained vehicles rarely parked in direct sunlight. Easy to apply and remove the Turtle Wax Super Hard Sell is a great product for those wanting a proven car wax.

    Meguiars Wax

    Meguiar s have gained popularity among car enthusiasts. They are highly rated as a car wax company and offer a whole range of products to choose from. They carry Liquid, Paste and even Spray on Car waxes which are considered top notch. The versatility of Meguiar s and Quality that they have gained reputation for make them one of the best auto paint care companies out there.

    Mothers Wax

    Mothers started out with a polish for magnesium and aluminum tires back in the 70s. Today they offer a broad range of products and are best known for their carnauba based car wax. They offer a whole range of products based on this material. Their famous kit the California Gold Ultimate System offers a complete carnauba wax based solution to providing the best protection for High End paint jobs

    Turtle Wax

    Arguably this is the most famous wax brand that ever existed. Turtle Wax has reached legendary status. It is like the Colgate of car waxes. Although they have met fierce competition from powerhouses like Meguiar s and MOTHERS, Turtle Wax remains the most recognizable car wax brand. Their omnipresent green bottle of Turtle Wax Super Hard shell provides protection that lasts for 12 months. Turtle Wax has been innovating and has introduced new products lines like ICE liquid polish.

    Zymol Wax

    Riding the success of its Creame Wax product, Zymol has created a product portfolio that spans the entire car care range. The Zymol Creame Wax is a unique product because it actually is what they call a zhyme that turns into wax and bonds to your paint. This product contains probably the highest amount of wax by volume in all car wax products.

    They also have specialty products like the Zymol Detail wax which is meant for non metallic exterior surfaces like fiberglass and composite materials like ABS and polyurethane. This brand has a loyal following among some niche high end cars.

    Zaino Wax

    Zaino offers among the most unique products that act like car waxes. Although they use the word polish their products like the Z-2 Pro actually act as a polymer sealant that protects the car paint like car waxes do. They however go one step better with ingredients in their wax that contain, extra optical enhancers. Zaino products are usually applied in layers and provide among the strongest reflective properties available in car wax products.

    CLARK HOWARD: Website Can Ease Pain Of Buying Used Car #fox #auto


    #used car sites
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    CLARK HOWARD: Website Can Ease Pain Of Buying Used Car

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    ATLANTA, Ga.

    Buying a used car isn’t for the faint of heart.

    To get a good deal, consumers need to do a lot of homework.

    But Channel 2 Consumer adviser Clark Howard has discovered a new website that can make that homework a whole lot easier.

    Danny Philpot wants to buy a used truck.

    So he is looking at one of Clark’s favorite websites.

    On the site, shoppers can put in their zip code, the make and model of the vehicle they’re looking for and Cargurus shows whether a car for sale is a great price, overpriced or in between.

    Philpot said he likes the website. “I like that it shows the details about it and the reliability and past consumers’ experiences.”

    When customers walk onto a car lot they know so much more than they did just a few years ago.

    And Cargurus can help.

    But dealer Steve Rayman said don’t count on Cargurus to tell consumers everything.

    Rayman said, “If it has been in an accident, or if it’s not up to all the standards that some of the franchise dealers have, then it might not be as good a buy as it says it is.”

    Clark said no matter where you buy a used car, there is no substitute for having your own mechanic check it out first.

    SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #scratch #repair


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    SHORT TRACK AUTO RACING. COM

    SHORT TRACK AUTO RACING. COM

    It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

    I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

    Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

    I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.