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.

#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


News 9 Puts Do-It-Yourself Hail Damage Repair To The Test, do it yourself auto repair.#Do #it #yourself #auto #repair


do it yourself auto repair

Recent severe weather caused widespread damage across the metro. Roof damage and busted car windows can cost thousands to repair, but what about those hail dents in the body of your car?

Some people say skip the body shop all together. But is that a good idea?

If you re like thousands of other Oklahomans who suffered hail damage from the recent storm, you might have thought to yourself. Can you save a few bucks on repairs? Well we decided to find out if there are really any cheap and effective do it yourself repair methods.

A simple Google search for hail damage returns dozens of result for “do it yourself” repairs. Some reviews say they work, others say no way.

So we grabbed the dry ice, compressed air, a hair dryer, the “Pops-a-dent” kit, and, of course, the damaged car to test them on.

First up is the “Pops-a-dent.” The directions say apply a generous amount of hot glue, attach the pad to the car and wait.

In the meantime, we moved on some other suggestions. The guy in an instruction video says to heat up the area around the dent with a hair dryer until it s hot to the touch, and then put the dry ice over the dent. It s supposed to force the metal to contract and dent pops out, or not.

It turns out the dent is still there.

With that, we tried the compressed air after heating up the dented area, which is supposed to have the same effect, but no luck.

Eight-minutes later and the “Pops-a-dent” is ready. It popped, but the dent is still there.

We couldn t get any of these methods to work, but several of our viewers told us on Facebook it can work.

Some of these techniques might work better on bigger dents, so feel free to try them. But judging by the amount of dents this recent hail storm left behind, it might just be worth it to take it to the body shop.

So if you do take your car to a repair shop, there are a few things you want to keep in mind. Ask people you know to recommend a good place, never pay up front and check the company s Better Business Bureau grade.

DIY Auto Repair Information and Tips by a Real Mechanic, do it yourself auto repair.#Do #it #yourself #auto #repair


DIY Auto Repair Advice from a Mechanic

Looking for a DIY auto repair guide that you can trust? Learn how repair and maintain your vehicle with advice from a real mechanic.

As an auto mechanic, I have dealt with many people. including some people who had been ripped off by another auto repair shop. As a vehicle owner, the best thing you can do is learn how to maintain it in good working condition and what to do when something goes wrong.

I fix vehicles and answer people’s auto repair questions for a living. My friends and family keep telling me “we wish you lived closer so we could take our car to someone we trust”. That is what inspired me to create this site: To deliver honest do it yourself auto repair information for all.

With this site, you will be getting free access to my years of auto repair experience. first as a do it yourself mechanic, then as a certified auto technician and finally ending up as automotive manager.

I have filled this website with my own do it yourself auto repair tips including how to troubleshoot problems, whether you should fix the problem yourself and how much that repair should cost so you can avoid getting ripped off.

My Most Popular DIY Auto Repair Guides

How to Troubleshoot Your Vehicle Problems

All do it yourself auto repairs begin with knowing what is wrong with your car or truck. Learn what are the correct steps you should take to pinpoint vehicle problems and faults.

Should You DIY Repair or Send It to Mechanic?

Should you attempt a DIY auto repair or send it to the mechanic? Find out which are the simple vehicle problems that you can fix yourself and which are major headaches are best left to an experienced professional.

Which are the Best Auto Repair Manuals?

To troubleshoot, repair and maintain your vehicle, you’ll need a good repair manual that is specific to your vehicle year, model and year. Find out which is the best and mostr afforable repair manual for you as I review the most popular online and printed manuals.

Essential Auto Repair Tools for Different Jobs

What are the essential tools and supplies required for different auto repair jobs such as changing motor oil, replacing air filter, fixing brake pads etc? In this DIY auto repair guide, you will not only learn what tools are needed. but also the exact model that will offer you the best bang buck for your buck.

Basic Car Maintenance Checklist and Tips

Keeping your vehicle is good working condition is the best way to avoid big expensive repairs down the road. Learn what are important things you can do to keep your vehicle in tip top shape with this step by step guide.

If you still have any unresolved vehicle problems or questions, you can ask an auto mechanic online. For expert answers specific to your vehicle’s make and model, I recommend JustAnswer Car. They have a large pool of certified mechanics to answer your questions for a small fee and you can also browse their answers to other users for free.

News 9 Puts Do-It-Yourself Hail Damage Repair To The Test, do it yourself auto repair.#Do #it #yourself #auto #repair


do it yourself auto repair

Recent severe weather caused widespread damage across the metro. Roof damage and busted car windows can cost thousands to repair, but what about those hail dents in the body of your car?

Some people say skip the body shop all together. But is that a good idea?

If you re like thousands of other Oklahomans who suffered hail damage from the recent storm, you might have thought to yourself. Can you save a few bucks on repairs? Well we decided to find out if there are really any cheap and effective do it yourself repair methods.

A simple Google search for hail damage returns dozens of result for “do it yourself” repairs. Some reviews say they work, others say no way.

So we grabbed the dry ice, compressed air, a hair dryer, the “Pops-a-dent” kit, and, of course, the damaged car to test them on.

First up is the “Pops-a-dent.” The directions say apply a generous amount of hot glue, attach the pad to the car and wait.

In the meantime, we moved on some other suggestions. The guy in an instruction video says to heat up the area around the dent with a hair dryer until it s hot to the touch, and then put the dry ice over the dent. It s supposed to force the metal to contract and dent pops out, or not.

It turns out the dent is still there.

With that, we tried the compressed air after heating up the dented area, which is supposed to have the same effect, but no luck.

Eight-minutes later and the “Pops-a-dent” is ready. It popped, but the dent is still there.

We couldn t get any of these methods to work, but several of our viewers told us on Facebook it can work.

Some of these techniques might work better on bigger dents, so feel free to try them. But judging by the amount of dents this recent hail storm left behind, it might just be worth it to take it to the body shop.

So if you do take your car to a repair shop, there are a few things you want to keep in mind. Ask people you know to recommend a good place, never pay up front and check the company s Better Business Bureau grade.

Transmission Repair Davie & Transmission Repair Fort Lauderdale, do it yourself auto repair.#Do #it #yourself #auto #repair


Why Transmission King Repair Services?

  • Insurance Accepted
  • Warranty 1 Year or 12,000 Miles
  • Up-Front Pricing FREE Check-Ups
  • Service Most Any Foreign Or Domestic Vehicle
  • Family Operated Business For 30 Years

Do it yourself auto repair

Do it yourself auto repair

Transmission Repair Fort Lauderdale

Having A Transmission Problem?

Telltale signs of the need for transmission repair:

Loss of power upon acceleration

Transmission does not go into gear

Hard or late shifting of gears

Car is unable to move

Having a problem with your car is a tremendous inconvenience. We want to make fixing your transmission problems as easy and as affordable as possible. You can take advantage of our 24 hour transmission repair hotline to reach a transmission expert 24/7 so you won t lose sleep worrying about what to do.

Our reputation as transmission experts is important to us so we work hard to make sure you are a satisfied customer. Our transmission shop has been operated by our family for 30 years. We have done business the old fashioned way with integrity from day one and we are not about to change now. We want your business and your referral.

We will arrange for towing your car and provide this service free of charge with transmission repair.

Our transmission experts do road tests, performance checks, and electronic diagnostics (value = $200) to determine the cause of your transmission problem. All of these services are free of charge to our customers. So you can get free check-ups for the transmission work that needs to be done.

Need financing, no problem. Transmission King provides financing with approved credit and accepts insurance.

We know our transmission experts do the job right, so we guarantee our work with a 1 year or 12,000 miles warranty.

Whether your transmission problem is for a foreign or domestic vehicle, our transmission specialists can handle the job.

KEEP YOUR CAR AND YOUR LIFE IN MOTION!

Transmission Maintenance on Your Car Can Prevent Expensive Repairs

Free Repair Estimates Available

Your transmission is an important part of your vehicle. Our latest diagnostic aides and technology, plus routine check-ups keeps your transmission fluid clean and your transmission running smoothly for a longer life for your automatic or standard transmission.

Do it yourself auto repairOur certified technicians specialize in:

? Transmission Installation and Maintenance

? Transmission Remanufacture and Replacement

? Foreign and Domestic Vehicles

? Heavy Duty Trucks, 4x4s, and RVs

? A Transmission Case, Differentials and Universal Joints

? State-of-the-Art Computer Diagnostics

Wheel bearings, Fly Wheels, Starters

Whether you need transfer cases, differentials and universal joints, clutches, CV boots, CV Joints, Axles, a Gear Box or state-of-the-art computer diagnostics, Transmission King is your #1 transmission repair shop. Our certified technicians determine which adjustments, transmission repairs, or replacements are needed.

Serving Broward, Palm Beach and Dade Counties

Do it yourself auto repair

FREE TOWING only with major repair.

Mon. – Fri. 7:30am to 5pm

24/7 Hotline Available

Do it yourself auto repair

Transmission Repair Davie & Transmission Repair Fort Lauderdale, do it yourself auto repair.#Do #it #yourself #auto #repair


Why Transmission King Repair Services?

  • Insurance Accepted
  • Warranty 1 Year or 12,000 Miles
  • Up-Front Pricing FREE Check-Ups
  • Service Most Any Foreign Or Domestic Vehicle
  • Family Operated Business For 30 Years

Do it yourself auto repair

Do it yourself auto repair

Transmission Repair Fort Lauderdale

Having A Transmission Problem?

Telltale signs of the need for transmission repair:

Loss of power upon acceleration

Transmission does not go into gear

Hard or late shifting of gears

Car is unable to move

Having a problem with your car is a tremendous inconvenience. We want to make fixing your transmission problems as easy and as affordable as possible. You can take advantage of our 24 hour transmission repair hotline to reach a transmission expert 24/7 so you won t lose sleep worrying about what to do.

Our reputation as transmission experts is important to us so we work hard to make sure you are a satisfied customer. Our transmission shop has been operated by our family for 30 years. We have done business the old fashioned way with integrity from day one and we are not about to change now. We want your business and your referral.

We will arrange for towing your car and provide this service free of charge with transmission repair.

Our transmission experts do road tests, performance checks, and electronic diagnostics (value = $200) to determine the cause of your transmission problem. All of these services are free of charge to our customers. So you can get free check-ups for the transmission work that needs to be done.

Need financing, no problem. Transmission King provides financing with approved credit and accepts insurance.

We know our transmission experts do the job right, so we guarantee our work with a 1 year or 12,000 miles warranty.

Whether your transmission problem is for a foreign or domestic vehicle, our transmission specialists can handle the job.

KEEP YOUR CAR AND YOUR LIFE IN MOTION!

Transmission Maintenance on Your Car Can Prevent Expensive Repairs

Free Repair Estimates Available

Your transmission is an important part of your vehicle. Our latest diagnostic aides and technology, plus routine check-ups keeps your transmission fluid clean and your transmission running smoothly for a longer life for your automatic or standard transmission.

Do it yourself auto repairOur certified technicians specialize in:

? Transmission Installation and Maintenance

? Transmission Remanufacture and Replacement

? Foreign and Domestic Vehicles

? Heavy Duty Trucks, 4x4s, and RVs

? A Transmission Case, Differentials and Universal Joints

? State-of-the-Art Computer Diagnostics

Wheel bearings, Fly Wheels, Starters

Whether you need transfer cases, differentials and universal joints, clutches, CV boots, CV Joints, Axles, a Gear Box or state-of-the-art computer diagnostics, Transmission King is your #1 transmission repair shop. Our certified technicians determine which adjustments, transmission repairs, or replacements are needed.

Serving Broward, Palm Beach and Dade Counties

Do it yourself auto repair

FREE TOWING only with major repair.

Mon. – Fri. 7:30am to 5pm

24/7 Hotline Available

Do it yourself auto repair

Online Auto Repair Manual – Do It Yourself #used #car #sales


#do it yourself auto repair
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Online Auto Repair Manual

Want Professional Results on Your Next DIY Project?

Start with Professional Technical Data and Insider Tips.

Hello, my name is Dana Michaels, and I built this web site for Auto owners who are searching to find the best factory repair manual for their Do It Yourself repair projects.

This site provides a detailed review of the ALLDATA DIY product. It is designed to give you a lot of information and save you a lot of time. You can find out what the pros know in as little as five minutes.

To get the most from your time here, as you scroll down the page we recommend you do these five steps:

  1. Scan the feedback under my picture from ALLDATA DIY users.
  2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
  3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
  4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know what you can expect to find for your vehicle.
  5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

In my experience only ALLDATA DIY provides the complete set of factory service manuals with comprehensive technical data for DIY auto repairs in one affordable package. That includes all of the specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, diagnostic codes, and they even show you how to change the light bulbs. Unlike some other products, nothing is left out.

The reason ALLDATA can do this is because they are the premier provider of factory technical data to over 70,000 independent repair shops and dealers who subscribe to ALLDATA for all vehicles. Now that same professional technical data is available under the ALLDATA DIY brand at a deep discount to private owners.

I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure that you leave here armed with the information to make an informed decision about whether or not it is right for you.

If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

I hope you enjoy visiting my site today, and that you find this information useful. Let me know what you think using the contact link to leave me some feedback or ask a question.

Best wishes and good luck,

How Do I Calculate APR on an Auto Loan? #peters #auto #mall


#auto interest calculator
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How Do I Calculate APR on an Auto Loan?

There is nothing like buying a new car. That new car smell, the safety features and the process of calculating the APR on your auto loan it s definitely a memorable experience. APR stands for annual percentage rate and is the basic counterpart to the interest rate that the borrower needs to pay on a loan. When trying to calculate APR on an auto loan, APR helps to compare rates offered to the consumer across the board.

The best way to calculate APR on an auto loan is to use an online rate calculator, which are numerous and can be found throughout the internet. You can even find one that will calculate your auto loan amortization .

Since use this auto loan calculator to help determine the APR, the use the time saved calculating those numbers to research your credit score to ensure a good APR offer, or comparing auto loans to find the best offer based on your history and thoroughly researching the car you intend to purchase. With all this knowledge at hand, you will have all the skills needed to get the best car purchase deal possible.

Do I need a commercial auto insurance policy? #auto #paint #color #chart


#commercial auto insurance
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Do I need a commercial auto insurance policy?

As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Do It Yourself Automotive – Auto Repair – Phoenix, AZ – Reviews – Photos #volo #auto #museum


#do it yourself auto repair
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Recommended Reviews

The staff at DIY Auto is helpful, friendly, and competent. I would say that anyone who is going somewhere else would be losing money. I… Read More

BEWARE! I took my car to this guy  (Norman Heck aka Skip ), because I trusted him. He really seemed to know his stuff, and I thought he was an honest and professional mechanic. He not only scratched my hood so deep that the paint came off (looks like someone put a mechanical component on the top of it and it slid), but he didn t even own up to the responsibility of not connecting the power steering pump to the reservoir correctly! His response to anything is that it was like that before he got it. Along with that, my car was in the shop nearly two weeks. I was told it would only take a few days. He has great rates, but it is NOT worth it. I REGRET TAKING MY VEHICLE TO HIM! It was a HUGE mistake. Do It Yourself Automotive is a joke, and if you don t believe me; take a good look around the shop and at the way things are run. Take your car elsewhere if you don t want any trouble.

Do It Yourself Automotives response to Lucas K. As we all know, You can t please everyone all the time. While some of what Lucas is saying is accurate, he is not telling the whole story. On 7/3/12 Lucas came to us asking us to replace his timing chains and motor mounts on his 2006 Altima. We agreed and I told him we would try to get his car back by Friday the 6th. I ordered his parts from a Nissan Dealership and they arrived the next day. We got the motor out of the car on Thursday the 5th and found a very worn set of Chains, Tensioners and Guides as well as 3 of the four motor mounts.  Friday we started to put his car back together and found that the Dealer had sent us some wrong parts and completely left out another part. This put us in a bind as the parts had to be special ordered and would take a couple of days to get. Being Friday afternoon, the dealer told us that the soonest we could get them was Wednesday afternoon. Throughout this process we were in contact with Lucas making sure he had transportation. He continually said it s no problem, He was using a company car. On Tuesday the 10th he told us he had to give the company car back to a coworker and needed transportation. At that time we rented Lucas a car at no cost to him, until we could complete the repairs on his. On Saturday the 14th we finished his car and he picked it up. He was back in 15 minutes complaining of steering  and transmission issues with the car. He had been in about a week or two prior to the timing chain/motor mount repairs complaining of steering issues. I test drove the car and found no problems. I explained to him that we repaired the timing chains on his car, not the steering or the transmission. Neither of the issues have anything to do with the work we performed. John, Our ASE Certified Master Technician went with him on a test drive to experience these issues and found nothing. John asked Lucas how the engine ran and Lucas responded, Its GREAT! John replied, that s what we fixed.  John also explained to me after the ride that Lucas was driving the car like it was a NASCAR event and actually scared John.  Lucas returned again an hour or so later still complaining of a clicking in the steering wheel which I could not recreate. I explained to Lucas that we would love to look into these issues and repair them at an additional cost. He said he would return in a week or so. On7/19/12 Lucas came to our shop saying his steering was whining. I looked and his reservoir was a little low on fluid so I filled it up at no cost to him. As I was doing this he said he had found a scratch on the hood of his car the day before and accused us of causing it. As I tried to explain the care we took he kept cutting me off and getting louder and eventually yelling. This I admit got me excited and I got angry and told him to leave the property.  This is a Black car. There is no way one could miss the scratches he showed me for 5 days and then just all of a sudden see them. They stood out like a neon sign. We took very good care to make sure that we caused no damage to his vehicle or any other for that matter. The first thing we did when his car came in, was take the hood off the car completely wrap it up and placed it in another part of the shop where it couldn t get damaged. To us it seems he wants to blame us for every problem the car has now.   He was quoted $2230.00 and his final bill came to $2097.84.   Sincerely, DIY Automotive

Buying a car online: Women should do it. #chicago #auto #show


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You should do it. Especially if you’re a woman.

If you ve ever bought a car, you are familiar with the stomach-churching moment after the test drive when the salesman asks, What would it take you to buy today? and starts scratching out numbers on a pad. The process is notoriously confusing for everyone, but there s tons of evidence showing this system disadvantages women more than men. Buying online doesn t merely eliminate the physical discomfort women feel in car dealerships, though that counts for a lot. (Over email, no one asks about your husband; heck, no one even needs know your gender.) More importantly, it eliminates the landmines of Haggling While Female.

For a variety of reasons, women are not as good at negotiating as men. For one thing, we re not as practiced at it. Several studies have shown that women tend to negotiate less often. in part because the assertiveness required for the task gets socialized out of us. After all, nice girls aren t supposed to cause conflict, and there are real-world implications for those who buck the rules. In one study. both men and women pronounced female job applicants less hirable when they asked for more compensation than when male applicants did the same thing. (Male subjects in particular were less likely to want to work with women who tried to negotiate.) So it s not surprising that negotiating causes women more anxiety than it causes men and that women are less likely to realize they can negotiate in a given situation. You have to do all sorts of tricky things to get them to haggle, like describe it as asking instead of negotiating or explicitly tell them that they re allowed to do it. It s no wonder that women were said to flock to the defunct car company Saturn. which was known for its no-haggle policy.

Part of what s so crazy about buying a car the traditional way is that the Wild West pricing means there s no way to know whether the deck is stacked against you from the outset merely because you re a woman. Studies conducted in the 90s by economist Ian Ayres showed that Chicago-area dealerships routinely quoted blacks and women higher initial offers than white men, so that even after haggling they wound up with higher prices. Data from auto repair shops shows something more nuanced: Women are quoted higher prices unless they break gender stereotypes, either by showing they know the market rate for a repair or by insisting on a discount. All of which is why, when women buy a car, we first research the bejesus out of it. We know that certain salesmen will be inclined to treat us as easy marks, and we ll need to defy their expectations. So we prep and prep and then show up, hoping we don t get a jerk. Sure, we can request a different salesman or hit another dealership, but we ll pay for it in wasted time.

There s one factor that does away with a ton of these gender-based problems. According to the work of DePaul professor Alice Stuhlmacher, women consistently do better when they negotiate virtually. Stuhlmacher and colleagues compared face-to-face negotiations with those conducted online, by phone, or by video and found that time and again, women were more assertive when they weren t haggling face-to-face. Perhaps because they were less concerned about preserving relationships or coming across as nice, women were more apt to do things like lie for tactical reasons or stand firm at a number instead of making a counteroffer. There wasn t this gap between what s considered appropriate female behavior and what s smart negotiating behavior. Men, who face no repercussions for what s deemed a typically masculine endeavor, behaved the same regardless of the setting.

Virtual settings also appear to upset hierarchies. conferring more favorable outcomes on those with less power. Car dealerships are a prime example of settings where women have less power for a whole host of reasons because they are a minority, because automobiles are considered a traditionally masculine realm, and because the consumer in general is confused by the way car pricing works. (Is that $795 destination fee really necessary? Has the dealer s invoice price been inflated so you think you re getting a better deal?) Not only do virtual settings eliminate the status markers that might otherwise inhibit behavior, but they make it easier to remain poker-faced even if you are intimidated.

The major advantage I felt I had negotiating over email was time. High-pressure tactics in car dealerships rely, in part, on the consumer s desire to end a stressful experience as soon as possible. But, thoroughly empowered by all the information I had at hand, I found emailing back and forth with salesmen to be fun. The power dynamic was reversed; the dealerships now were the ones eager to secure my deposit before I got a better deal or before the end of the month, so they could make their numbers. I took my time. I looked up what others in my area had paid for the same car. I emailed around the lowest price I got (a good $2,500 under the highest) to see if other dealers could match it. I asked the dealers to enumerate every fee being added to the quoted price, and then I looked up the fees to see if they were legitimate. I inquired who was willing to trade with other dealers to get us the car in blue and who was willing to deliver the car to our house. (One dealership was, but the price was still too high.) Reading questions other buyers had asked alerted me to issues I hadn t considered and gave me social reinforcement that such questions were allowed. What surprised me was that, freed from that terrible certainty that I was going to get screwed one way or another, I really liked negotiating. Being the well-informed, hard-nosed customer felt like karmic retribution for all those women talked down to, quoted higher prices, or told they d look so good in a certain car.

In the end, playing dealers off one another was an interesting experiment, and several places lowered their prices by quite a bit, but the shop with the initial lowest quote was still the best. So I put down a deposit by email, and one Saturday, my husband, my daughter, and I drove out to New Jersey to pick up our new car. We walked in, signed our names a thousand times, and drove out with our Mazda 5 at the agreed-upon price in a mere hour.

Afterward, my husband said he d noticed several salesmen in the store preferred to make eye contact with him. Maybe so, but if it were the case, I didn t notice. I was so damn happy.

How Much Money Do Auto Mechanics Make Per Month? #auto #parts #international


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Other People Are Reading

Average Salary

The average salary for an automotive technician in 2008 was $2,970 per month according to the U.S. Bureau of Labor Statistics. The low-end of the salary range was $9.56 an hour or approximately $1682 per month. The high-end of the salary range was $28.71 an hour or $5053 per month.

Industries

Automotive repair has several industries that have a rather wide salary range. For example, many local governments have a mechanic dedicated to their fleet of vehicles. In 2010, according to the U.S. Bureau of Labor Statistics, the average monthly salary for a government mechanic is $3,532 per month. An automotive repair shop pays an average of $2,686 per month. A mechanic can also work in a parts store. The average monthly salary for a person in this position is $2,622.

Pay Structure

For many automotive mechanical jobs, the technician is paid based on the labor rate system. Under this system the mechanic receives a portion of the amount charged to the customer for labor. The customer typically has to pay for labor and parts. The shop owner takes a portion of the labor rate and the mechanic receives a portion. The exact ratio is determined by the employer and employee. The amount a mechanic makes is based on the amount of work performed. For example, if the labor rate given to the client is $100 for a task expected to take an hour, the mechanic may make $40 for his share. If the task takes two hours, the additional labor rate may not always be charged to the customer and the mechanic makes an average of $20 an hour. Often, a mechanic will be guaranteed a minimum salary or number of labor hours by his employer.

Additional Mechanic Opportunities

Some mechanics specialize in certain areas. For example, some car manufacturers train mechanics specifically for their makes. Another example of a specialized market is a diesel mechanic, although the pay differential may not be much more than a general mechanic. An average monthly salary for a diesel mechanic is $3,333 in 2008.

What does a Car Radiator do? (with pictures) – mobile wiseGEEK #oreily #auto #parts


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wiseGEEK: What does a Car Radiator do?

To understand what a car radiator does, it might help to understand the nature of the internal combustion engine it protects. A car’s engine has numerous moving parts, and where there is movement there is friction. Friction creates heat. Motor oil is pumped throughout the engine block to provide some lubrication, but it isn’t enough to overcome all of this excess heat energy. As a result, parts of the engine become boiling hot as part of normal operations.

This is where the radiator system comes into play. The engine block must be kept relatively cool to avoid serious problems like overheating and seizure. If the pistons cannot slide freely in their cylinders due to excessive friction, they will eventually snap and cause total engine failure. To prevent this from happening, a mixture of water and anti-freeze is pumped through chambers in the engine block to absorb the excess heat and draw it away from vital areas.

When this superheated engine coolant exits the engine block, it returns through a large rubber hose. This component is designed to maximize surface area through a significant number of internal folds and chambers. As the hot engine coolant moves through these nooks and crannies, excess heat is drawn out through the walls. An electrical or belt-driven fan may force cooler outside air through the radiator to accelerate this cooling process. As the car moves, the front of the radiator is also cooled by the outside air coming through the car’s grill.

By the time the superheated engine coolant has made its way through all of the chambers, it should be cool enough to make a return trip through the engine block. However, if the coolant flow should be reduced by a blockage or loss of fluid, the engine block will not be cooled down and the remaining engine coolant will boil over. This is why maintaining a full coolant level is so important, especially during hot weather or long drives.

A radiator does not contain any electronic parts of its own — special sensors register the temperature of the coolant as it exits. Engine coolant does not have to be especially cool in order to be effective, so there is usually a wide range of temperatures considered to be within normal parameters. If anything goes wrong with the radiator itself, such as a leak or broken hose, the operating temperature of the car can reach a dangerous level within minutes. The engine must be allowed to cool down naturally before the vehicle can be driven safely to a mechanic.

What to Do About Auto Loans for People with Very Bad Credit #auto #battery #reviews


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Do Car Loans for Very Bad Credit Scores Exist?

While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

Real Bad Credit Car Loans – Why They’re Better

Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

  1. $15.00 in origination fee plus
  2. $2500.00 in interest charges

This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

Very Poor Credit Auto Financing

A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

  • At least a 36 month repayment term, repayable in installments;
  • No personal check mechanism or other unfair collateral. Your car is the collateral.
  • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.

Online Auto Repair Manual – Do It Yourself #auto #store


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Online Auto Repair Manual

Want Professional Results on Your Next DIY Project?

Start with Professional Technical Data and Insider Tips.

Hello, my name is Dana Michaels, and I built this web site for Auto owners who are searching to find the best factory repair manual for their Do It Yourself repair projects.

This site provides a detailed review of the ALLDATA DIY product. It is designed to give you a lot of information and save you a lot of time. You can find out what the pros know in as little as five minutes.

To get the most from your time here, as you scroll down the page we recommend you do these five steps:

  1. Scan the feedback under my picture from ALLDATA DIY users.
  2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
  3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
  4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know what you can expect to find for your vehicle.
  5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

In my experience only ALLDATA DIY provides the complete set of factory service manuals with comprehensive technical data for DIY auto repairs in one affordable package. That includes all of the specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, diagnostic codes, and they even show you how to change the light bulbs. Unlike some other products, nothing is left out.

The reason ALLDATA can do this is because they are the premier provider of factory technical data to over 70,000 independent repair shops and dealers who subscribe to ALLDATA for all vehicles. Now that same professional technical data is available under the ALLDATA DIY brand at a deep discount to private owners.

I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure that you leave here armed with the information to make an informed decision about whether or not it is right for you.

If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

I hope you enjoy visiting my site today, and that you find this information useful. Let me know what you think using the contact link to leave me some feedback or ask a question.

Best wishes and good luck,

How Much Do Braces Cost for Kids? #braces #cost #with #dental #insurance, #how #much #do #braces #cost #for #kids


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How Much Do Braces Cost for Kids?

Being a parent is expensive. But you always want the best for your children, and that includes finding ways to afford the orthodontic treatment they need, even though it may be difficult. So how much do braces cost for kids? First, it’s necessary to identify the type of braces for your child and the duration of the treatment. This will help you understand your options in providing the very best care for your investment.

According to Jorgensen Orthodontics. children are typically fitted for braces not much later than 12 years of age, after they’ve lost all of their baby teeth and their 12-year molars have erupted. Although the American Association of Orthodontics (AAO) recommends that children receive their first orthodontic screening by the age of seven years, braces that are fitted too early can make the treatment take longer than necessary – and cost more.

If your orthodontist identifies an incorrect bite or potential for crowding during the screening exam, he can sometimes take what is called “interceptive” action to prevent the problem from playing out or getting worse. This can include fitting a palatal expander or other appliance to ensure that the permanent teeth erupt in the right position. The exam might also highlight the need to control habits such as thumb-sucking, which can cause damage to a child’s mouth over time.

The braces your orthodontist recommends will depend on your child’s particular problem. Types of braces include:

  • Traditional metal braces – Have steel ties holding the wires between the brackets in place.
  • Damon braces – They do not have steel ties, as the brackets themselves hold the wires in place.
  • Invisalign ® (or other clear or removable aligners) – Fit over the child’s teeth in a way that resembles a mouth guard.

In addition to appliances like an expander, your orthodontist might also recommend the use of headgear or a Forsus or Herbst device to use in conjunction with braces to correct problems affecting your child’s natural bite.

Variations in Treatment Costs

Determining how much braces cost for kids depends mainly on the length of time your child will need to wear them. According to the Consumer Guide for Dentistry. the cost of wearing braces ranges between $3,000 and $7,000 – with respect to the type of braces recommended – for the following reasons:

With traditional braces. the cost is driven by what the orthodontist will charge for the orthodontic treatment for your child’s case which include multiple visits during the time it takes to straighten his teeth over a year to three year period.

Damon braces are typically more expensive initially and can cost up to $8,000, but because the braces are self-ligating, you’ll pay for fewer dental appointments.

With Invisalign ®. your child will receive a number of aligners to use in a specific order, changing every couple of weeks. The cost is determined by the number of aligners needed to achieve the right result.

If your child needs to have teeth extracted or fitted with other appliances, overall cost of the treatment may go up as needed.

The way your child complies with the orthodontist’s instructions matters as well, because repair and replacement affects the overall cost of treatment. Make sure your young one avoids tooth decay while wearing braces by using products such as Colgate ® 2in1 for kids, an anticavity fluoride toothpaste that comes in fun fruit flavors.

For patients without insurance, many orthodontists who distribute Invisalign ® offer flexible payment plans with no down payment and low interest rates. If you have insurance, it might cover a portion of the cost, particularly the dental appointments needed. The treatment is usually eligible for flexible savings account (FSA) reimbursement, too.

If you can handle it without financial aid, however, pay in advance for some or all of the treatment, which typically qualifies you for a discount. It’s not just about asking, “how much do braces cost for kids?” It’s about getting the right orthodontic treatment for your child, and at the right time.

Related:

Ssae 16 Type Ii #is #ssae #16 #needed,reports,reviewing #ssae #16,ssae #16,ssae #16 #audit #review,ssae #16 #review,ssae #16 #review #checklist,ssae #16 #reviews,ssae #review,ssae #reviews,ssae-18,ssae16,ssae16 #review,standards,third #party #ssae #guidance #review,who #is #required #to #have #a #ssae #16,who #is #required #to #have #ssae #16,why #get #ssae #16,audit #intensedebate,leave #a #reply: #name #(required): #website: #comments: #submit, #moderation,\’leave #a #reply\’ #\’name #(required)\’ #\’mail #(will #not #be #published) #(required)\’ #\’website\’ #it #services,controls,how #do #you #prepare #for #an #ssae #16 #audit,how #to #prepare #for #a #ssae #16,how #to #prepare #for #an #ssae #16 #audit,new #avenues #for #ssae #16,preparing #for #a #ssae #16,preparing #for #ssae #16,report #writing,ssae #16 #audit #preparation,ssae #16 #consulting #do #we #need,ssae #16 #preparation,ssae #16 #report,ssae #no. #16,example #soc #1 #report,soc #1,soc #1 #report,soc #1 #reports,soc #1 #type #2,soc #1 #type #2 #report,soc #1 #type #ii #report,soc #2,soc #3,soc #i,soc #report,soc #reporting,soc #type,soc #type #1 #report,soc-1 #report,soc1,soc1 #report,soc1 #reporting,soc1 #soc2,ssae #16 #reports,ssae #16 #soc #1,ssae16 #compliant #soc #1,system #and #organization #control #report,what #is #a #soc #1 #report,what #is #a #soc1 #report,what #is #ssae #16 #soc #1 #and #soc #2 #difference,at-c #320,cost,definition #soc #1 #ssae #16,how #ssea #16 #helps #auditors,prices,pricing,soc #1 #audit,ssae #16 #audit,ssae #16 #audit #checklist,ssae #16 #audit #report,ssae #16 #audit #requirements,ssae #16 #auditing #standard,ssae #16 #auditor,ssae #16 #checklist,ssae #16 #cost,ssae #16 #costs,ssae #16 #prices,ssae #17 #audit,ssae #18 #report,ssae #soc #auditing #and #reporting,ssae16 #audit,ssae16 #audit #report,ssae16 #checkilst,what #is #a #ssae #16 #audit,what #is #ssae #16 #audit,what #is #ssae16 #audit,what #is #the #purpose #of #a #ssae #16 #audit?


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The SSAE 18 Reporting Standard SOC 1 SOC 2 SOC 3 Support and Guidance for SSAE18, SOC 1, SOC 2, and SOC 3 reporting standards

Some organizations have heard of SAS 70, SSAE 16. and soon to be SSAE 18. but, don t really know WHY they need to pay to have a bunch of auditors trounce through their company for a month or two during the year, especially right after their financial audit just finished.
The answer is simple: Many companies will not even think about using your company to perform services for them without a clean Type II Report in place.
Some benefits of having an SSAE 16 performed :

  • Ability to perform outsourcing services for Public Companies.
    • If performing financially significant duties for a Public Company, they are required to use a SSAE 16 qualified provider as it is the only way to give investors assurance over controls that are not performed by the Company in question.
  • Public and Private companies are more likely to trust your organization with their data.
    • If you were to trust a company with your data, you would want complete assurance it will be handled with the utmost care
  • A year round accessible knowledge source (your auditors).
    • As a service organization, large or small, you will always have questions regarding your business and having a set of auditors in place with access to a wide array of business knowledge, it will allow you to bounce your questions and concerns off of a group of trusted individuals.
  • A third party to review your controls and activities to ensure they are functioning appropriately, and give advice on how to improve upon them.
    • Sometimes your internal audit department is good, but, not always as stringent as they should be. This will help to serve as a check on their work, as well as your staff. Additionally, if there were any findings noted, your auditors are in a great position to give you some tricks and tips to improve to ensure everything functions well the following period.
  • Improving performance of the organization.
    • Just the knowledge that a review is being performed of an employee s work that can have far reaching consequences for the company as a whole. No more, Oh, I didn t realize that reviewing user access was THAT important to do this month, sorry , now, everyone knows that if it s not done, the success or failure of the organization could rest upon them.

Think of the SSAE 16 or SSAE-18 audit as an annual investment into your company, increasing potential new clients. productivity and accountability .

This tip is focused on designing controls that reflect the process being testing, if they don t, a headache of massive proportions will be created once testing begins.
What do you do to make sure you don t screw this up? Have as many meetings as it takes to get it right.
What you need to do is sit down with the auditors, the department lead, the main employees responsible for performing the process, and anyone else whom could either play a role in testing or modifying the control in the future. Once that is done, Management should discuss what they determined the control to be and how it should operate, that is then reviewed by the auditors, and then the employees performing the tasks should be reconsulted to verify that the control still reflects their process accurately.
Many times people try to speed this process up and half-ass it, leaving many open items which upon testing could easily blow up into a huge problem. When the control isn t 100% agreed upon prior to testing and a deviation is noted, it s a tough call between failing the control and the ability to adjust it to accurately reflect the process. The problem is modifying a control after testing has begun is not proper and needs to be avoided at all costs.
Locking the controls locked down early on could save weeks in wrapping up your new SSAE 16 Report.
We have seen issues like this cause delays in issuing of the report to the client and running additional fees, since adjusting controls isn t free. Coming from the perspective of the auditor, we can let you know the pitfalls, consequences and how to best navigate the audit process. If you have any comments or questions please leave them below!

A SOC 1 Report (System and Organization Controls Report ) is a report on Controls at a Service Organization which are relevant to user entities’ internal control over financial reporting. The SOC1 Report is what you would have previously considered to be the standard SAS70, complete with a Type I and Type II reports, but falls under the SSAE 16 guidance (and soon to be SSAE 18 ).

Please see the following articles discussing the SSAE 16 guidance and additional information related to the SOC 1 (Type I and Type II) Reports:

In addition to the SOC 1 report which is restricted to controls relevant to an audit of a user entity’s financial statements, the SOC 2 and SOC 3 reports have been created to address controls relevant to operations and compliance and will be discussed in further detail in the future.

Please see the SOC 1 Reporting Guide page for additional information.

SSAE 16 is an enhancement to the current standard for Reporting on Controls at a Service Organization, the SAS70. The changes made to the standard will bring your company, and the rest of the companies in the US, up to date with new international service organization reporting standards, the ISAE 3402. The adjustments made from SAS 70 to SSAE 16 will help you and your counterparts in the US compete on an international level; allowing companies around the world to give you their business with complete confidence .

SSAE16 is now effective as of June 15, 2011, and if you have not made the necessary adjustments required, now is the time to find a quality provider to discuss the proper steps. All organizations are now required to issue their Service Auditor Reports under the SSAE 16 standards in an SOC 1 Report.

The soon to be effective, SSAE-18. is expected to follow a similar reporting structure to the SSAE-16 within a SOC 1 report.

Who Needs an SSAE 16 (SOC 1 ) Audit?

If your Company (the Service Organization ) performs outsourced services that affect the financial statements of another Company (the User Organization ), you will more than likely be asked to provide an SSAE16 Type II Report, especially if the User Organization is publicly traded.
Some example industries include:

  • Payroll Processing
  • Loan Servicing
  • Data Center /Co-Location/Network Monitoring Services
  • Software as a Service (SaaS )
  • Medical Claims Processors

What you Need to Know:

Before starting the SSAE 16 process, there are a number of considerations one must take into account that can save considerable time, effort, and money in the long run. Use the following items as a mini checklist for yourself:

  • Does my Company need an SSAE16, or, are we doing it just because someone asked?
  • Reports on the low end can run at least $15,000 a year, will the business lost be less of a burden than the cost of the report itself?
  • Does your company have defined Business Process and IT controls in place, or, will you need assistance developing and implementing them (readiness assessment)?
  • Have you determined the controls in place which affect the outsourced services being provided?
  • Have key stakeholders been defined and included in discussions?

There are many other issues to consider before engaging a CPA firm to help with your SSAE 16, for a more detailed checklist please see The SSAE 16 Checklist

You may have heard SSAE-18 is on the horizon for reports issued as of May 1, 2017. There are some important updates discussed in here: SSAE-18 An Update to SSAE-16 .

As the standard is formalized and the date approaches we will continue to provide more information to help you prepare for these changes.

How to Avoid Owing Money to the IRS – TaxAct Blog #do #i #owe #the #irs #any #money


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How to Avoid Owing Money to the IRS

Are you wondering why you owe so much in taxes this year? Want to make sure you never owe a big tax bill or any bill at all when you file your income taxes?

Judging by the amount the average American has over withheld from his or her pay, we re scared to death of owing the IRS even the smallest amount at tax time.

That s somewhat curious, considering the average American doesn t seem that worried about owing money to other creditors. There must be something about the IRS that inspires fear and dread in the hearts of taxpayers.

Overpaying by thousands of dollars just to be sure is not the answer. The average tax refund is about $3,000.

That s a lot of money to be tied up all year, when you could be putting it to better use.

You wouldn t overpay your electric bill by that much and then think you really scored when you got the excess back.

Why do that with your taxes?

Causes of income tax underpayment

To avoid owing the IRS money, it s important to know why you might find yourself in that situation.

Here are 5 of the most common reasons people find themselves owing extra tax:

1. Too little withheld from their pay

You can give yourself a raise just by changing your Form W-4 with your employer.

However, if you do that without careful planning, you might be setting yourself up for an unpleasant year-end surprise.

2. Extra income not subject to withholding

If you sell stock, for example, you may have more income than usual and a bigger tax bill. Even unemployment benefits can increase your tax bill.

3. Self-employment tax

For many small business owners, self-employment tax is a far bigger burden than income taxes.

4. Difficulty making quarterly estimated taxes

If you have significant non-wage income, you generally make quarterly estimated payments.

However, that s easier said than done, especially when people feel like they are in financial survival mode most of the time.

5. Changes in your tax return

The kids grow up and move out, and suddenly you aren t claiming them as dependents.

You refinance your home at a lower interest rate. That s great, but your mortgage interest deduction may have been cut in half.

Even changes in the tax code can make a difference in your tax bill. If you don t adjust your withholding when things change, you may owe money.

What you should do

The solution to the problem depends on the cause.

Refigure your paycheck withholding

If you re simply having too little withheld from your paycheck, you can create a new Form W-4 by going through the Form W-4 section under the Next Year main tab in TaxAct .

If you have simple changes to your return, such as fewer dependents, you can enter the changes in this section and TaxAct will determine how you should file.

Take the new Form W-4 to your employer s payroll department. Do not send it to the IRS.

Have tax withheld from other income

If you have non-wage income, you may be able to have income tax withheld from it voluntarily.

For example, you can have 10% of your unemployment benefits withheld for taxes. That may hurt a little now, but it s a whole lot less painful than a big tax bill next spring.

To have income tax withheld on government payments, including social security benefits or unemployment benefits, complete Form W-4V from the IRS website and send it to the payer.

Do not send it to the IRS. You can have 7%, 10%, 15%, or 25% withheld from most government payments.

You can only have 10% withheld from unemployment payments.

If you receive pension or annuity payments, adjust your income tax withholding on Form W-4P, available on the IRS website.

If you do not tell an annuity payer how to withhold income tax, the IRS generally requires them to withhold as if you are married and have three dependency exemptions.

Plan for tax on your small business

Their income may be sporadic, and it can be difficult to know how much they will owe after business deductions.

And no one deducts tax from their pay. Naturally, it s harder to find money for taxes than it is to have it deducted from a person s pay in the first place.

The only way self-employed taxpayers can be sure they are setting aside enough money for taxes is to maintain good records throughout the year.

Once a quarter, calculate your net income and estimate the amount you owe. Don t forget self-employment tax.

If you have trouble making your estimated tax payments, consider opening another bank account just for taxes.

Every time you deposit money into your business checking account, transfer the appropriate amount to the tax account.

Then, consider that money untouchable for anything but taxes.

Refigure your tax liability and withholding as needed

Making sure you re having enough tax withheld or paid in estimated taxes is never a finished task.

Whenever your situation changes you get married or divorced, you take on a freelance project, for example recalculate your income if necessary and go through the Form W-4 section under the Next Year main tab in TaxAct again.

It s a little more work than just paying too much or hoping for the best, but it pays off by giving you a lot more peace of mind about your standing with the IRS.

TaxAct makes preparing and filing your taxes quick, easy and affordable so you get your maximum refund. It’s the best deal in tax. Start free now or sign into your TaxAct Account .

Sally Herigstad is a certified public accountant and personal finance columnist and author of Help! I Can’t Pay My Bills, Surviving a Financial Crisis (St. Martin’s Griffin). She writes regularly at CreditCards.com, Bankrate.com, Interest.com, RedPlum, and MSN Money. She is an experienced speaker and a member of Toastmasters International. Follow Sally on Twitter .

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10 Signs of Lymphoma – RM Healthy #how #do #you #get #non-hodgkin #lymphoma


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10 Signs of Lymphoma

Lymphoma is a cancer of the lymphatic system, which is comprised of lymph nodes, the thymus gland, and bone marrow; all of which help make up our immune system. Lymphoma attacks lymphocytes, a type of white blood cell that helps protect the body.

There are two main categories of lymphoma: Hodgkin’s lymphoma and non-Hodgkin’s lymphoma (NHL). Both attack the lymphatic system, but each has a different treatment plan and prognosis. Hodgkin’s lymphoma is very rare and only accounts for 10% of the diagnosed cases of lymphoma.

The disease is characterized by the presence of an atypical cell called the Reed-Sternberg cell. Hodgkin’s lymphoma is the most treatable form of cancer. Still, non-Hodgkin’s lymphoma has a much better prognosis than it once did, with a 71.4% recovery rate. The symptoms of both types of lymphoma are often missed at first, because they are so similar to other, less serious disorders.

As with any illness, early detection is key to gain a diagnosis and effective treatment plan; but it is all about tuning into the warning signs of this disease, and booking a visit to your doctor for assessment. Therefore, below are the 10 most common symptoms of lymphoma to look out for.

1. Enlarged Lymph Nodes

The most common symptom of lymphoma is enlarged lymph nodes. Lymph nodes can be found throughout the body. They are a part of the lymphatic system that filters lymph fluid, trapping bacteria, which will later be destroyed by lymphocytes. Under normal circumstances, they cannot be felt, but certain lymph nodes that are located closest to the skin can be felt as small lumps when they are enlarged. The areas that are most noticeable when they are swollen include the lymph nodes located on the sides of the neck, the underarm region, the groin, or directly above the collar bone. It’s important to note that enlarged lymph nodes do not necessarily mean that you have lymphoma, and are more commonly a sign of infection. Still, if you or a loved one notice enlarged lymph nodes, a visit to the doctor is highly recommended.

The Importance of Critical Thinking Skills in Nursing, what skills do nurses need.#What #skills #do #nurses #need


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The Importance of Critical Thinking Skills in Nursing

The nursing profession tends to attract those who have natural nurturing abilities, a desire to help others and a knack for science or anatomy. But there is another important skill that successful nurses share and it s often over-looked: the ability to think critically.

Critical thinking is defined in a number of ways but perhaps it s easiest to comprehend when you understand all that it encompasses. Critical thinking includes identifying a problem, determining the best solution and choosing the most effective method of reaching that solution. After executing the plan, critical thinkers reflect on the situation to figure out if it was effective and if it could have been done better.

As you can see, there s a lot more that goes into critical thinking than one might think. It s a transferrable skill that can be leveraged in several facets of your life. But why is critical thinking in nursing so critical? Keep reading to find out.

Why are critical thinking skills in nursing important?

You ll notice in the list above that critical thinking is embedded in a nurse s everyday routine. You ll learn all sorts of practical skills in nursing school that you ll put to use at the clinic, but without the ability to think clearly and make rational decisions; those skills alone won t get you very far.

You may be able to flawlessly dress a wound, take vitals like a pro or give an IV without flinching, but without the ability to make quick and efficient decisions under pressure, you ll struggle as a nurse, according to LeeAnn Andronico, Rasmussen College nursing program coordinator. Some critical thinking skills come naturally and others can be acquired and developed during nursing school.

How are critical thinking skills acquired in nursing school?

As a future nurse you have probably heard about the intensity of nursing courses, if not yet experienced it firsthand. There is a multitude of material to master and high expectations for your performance. But in order to learn in a way that will actually equip you to become an excellent nurse, you have to go beyond just memorizing terms. Andronico says in reality, the answer won t always be black and white.

Your critical thinking skills will be put to the test during nursing exams. Andronico explains that you ll quickly discover that questions may have multiple right answers though one answer may be the most right for that particular situation. This may sound confusing, but it is intentionally done in order to help prepare you for real-life nursing scenarios. You will often find yourself in situations where there are few correct forms of care, but one that is most appropriate.

How can you develop your critical thinking skills?

When answering questions in class or on exams, challenge yourself to go beyond simply selecting an answer. Start to think about why that answer is correct and what the possible consequences might be. Simply memorizing the material won t translate well into a real-life nursing setting.

“Critical thinking skills apply not only to thinking, but also to reading, writing, speaking and listening.”

Changing your mindset will help you gain the practical knowledge from which you ll draw upon throughout your entire career. Hold on to your past exams, review the answers and reflect on any areas you didn t quite grasp the first time.

Borrowing or purchasing an NCLEX review book is another way you can sharpen your critical thinking skills. Not only are the questions directly related to the career you re pursuing, but the book explains the rationale behind the answers, exposing you to solutions you may not have found on your own.

It s helpful to practice thinking about a problem in a different way or from a new perspective. It sounds silly, but you essentially have to think about thinking! Andronico stresses the importance of spending time developing clear and rational thoughts and surveying all of the evidence available to you before making a decision.

How are critical thinking skills applied in the real world?

Andronico believes the critical thinking skills you acquire in nursing courses and during clinicals will be invaluable throughout your nursing career and the rest of your life. You will inevitably encounter a situation in which there are multiple solutions or treatments and you ll be tasked with determining the solution that will provide the best possible outcome for your patient.

You must be able to quickly and confidently assess situations and make the best care decision in each unique scenario. But critical thinking goes beyond the clinic and is a skill the will be transferable into the rest of your life as well. Your ability to make sound decisions in high pressure situations will surely come in handy at home as well.

Critical thinking skills apply not only to thinking, but also to reading, writing, speaking and listening, Andronico explains. You must be able to translate a thought clearly and accurately, quickly and logically so that others understand what you are saying without any confusion.

Beyond thinking

You re now well aware of the importance of critical thinking skills in nursing. Even if you wouldn t consider yourself a high-caliber critical thinker today, you will surely hone your skills while earning your nursing degree.

*This article was originally published in July 2012 by LeeAnn Andronico. It has since been updated to include information relevant to 2015. Insight included from Andronico was preserved from the original article.

External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

What skills do nurses need

Megan Ruesink

Megan is a freelance writer for Collegis education who writes student-focused articles on behalf of Rasmussen College. She hopes to engage and intrigue current and potential students.

How much deposit do you need for a mortgage, how much do i need to get a mortgage.#How #much #do #i #need #to #get #a #mortgage


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How much deposit do you need for a mortgage?

By Marie Kemplay

In this guide

Put us to the test

Our Test Labs compare features and prices on a range of products. Try Which? to unlock our reviews. You ll instantly be able to compare our test scores, so you can make sure you don t get stuck with a Don t Buy.

How much deposit do you need for a mortgage?

Find out how much you should save for a deposit, and use our calculator to see how long it will take.

How much do i need to get a mortgage

The size of your deposit is really important for getting a good mortgage deal, or even getting a mortgage at all.

More than half of the first-time home buyers in the 2015 Which? national property survey said they put a deposit of more than 10% towards their first property. The survey also revealed that the average first-time buyer deposit is 17%. But how much do you actually need to save?

Minimum mortgage deposit

In the current mortgage market you’ll need a deposit of at least 5% of a property’s value to get a mortgage. A lender would then lend you 95% of the property’s value.

So, if you wanted to buy a £150,000 property, you would need to save up at least £7,500 and borrow £142,500.

Saving for a deposit can seem like a daunting task. To give you an idea of how much you’ll have to put away each year, we’ve made a calculator that’ll tell you how long it’ll take to gather enough money for a deposit.

  • If you’d like to speak to an expert who will look at your personal circumstances and then assess the entire mortgage market and recommend the best deal for you, callWhich? Mortgage Adviserson0808 252 7987

Video: how much to save for a mortgage deposit

In the video below, TV property expert Jonnie Irwin explains how much money you’ll need to save for a mortgage deposit, as well as how much extra you may be able to borrow from your mortgage lender.

Reasons to save a bigger mortgage deposit

1. Cheaper mortgage repayments – it might sound obvious, but the bigger your mortgage deposit, the smaller your loan will be. And the smaller your loan is, the cheaper your monthly repayments are.

2. Less risky – if you own more of your home outright you are less likely to fall into ‘negative equity’, where you owe more on your mortgage than your property is worth. Being in negative equity can make moving house or switching mortgage very difficult.

3. Better mortgage deals – a larger deposit will make you less risky for mortgage lenders. As a result, they’ll generally offer you more competitive mortgage deals with lower interest rates.

4. Better mortgage chances – all lenders conduct affordability checks to work out whether you can afford mortgage repayments based on your income and your outgoings. If you only put down a small deposit it’s more likely you will fail these checks because you’ll need to spend more on your mortgage each month.

Mortgage deposits for the best mortgage deals

The cheapest mortgage deals on the market will typically require you to have a 40% deposit or more, so on a £150,000 property this would mean a deposit of £60,000.

However, saving up a 40% deposit is unrealistic for many people. The average (mean) mortgage deposit for first-time buyers is 17%, and that in itself is too difficult for some.

Don’t worry though – you still have options if you’re struggling to save:

How much deposit do I need?

To calculate how much you’ll need to save for your mortgage deposit, there are two things you should consider:

  • Typical property prices in your area – you can get a rough idea of this from property websites, such as Rightmove or Zoopla, but speak to local estate agents to get the most accurate information.
  • How much can you afford in repayments each month? The mortgage repayment calculator on our home-buying hub will help you work this out. You can also find typical mortgage rates using the Which? Money Compare mortgage tables.

Start by assuming you would borrow 95% of the property’s value. If you can’t afford the repayments for a loan of that size, you will need to save a bigger deposit.

Buying a house: extra costs

Although the mortgage deposit is the biggest part of the overall costs that you’ll need to pay to buy a home, there are other things you will need to budget for when saving up, including:

  • Stamp duty: this is a tiered tax that you’ll need to pay on any property costing over £125,000 – you can work out how much you’ll pay using our stamp duty calculator.
  • Mortgage arrangement fees: while these are sometimes waived to entice you in, lenders will often charge anything up to £2,000 to arrange your mortgage.
  • Legal fees: you’ll need to appoint a solicitor to arrange the purchase of your property. Costs vary between firms, and can range from a few hundred pounds to more than £1,000.
  • Property survey: these can range from £100 to more than £1,000.
  • Land registry fees: these can range from £40 to £910, depending on the value of the property.

Find out more: the cost of buying a house – a more detailed look at what you’ll need to budget for.

Piercing mania #piercing, #piercingy, #piercingové #díly, #falešný #piercing, #piercing #do #pupíku, #piercing #do #jazyku


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Vítej v eshopu piercingmania.cz

v eshopu zaměřen m na piercing a v e kolem něj. Najdete u n s velk v běr piercingů, piercingov ch d lů a tak piercingov ch n strojů, jako jsou např klad steriln jehly, kle tě, atd. A to v e za nejlep ceny v ČR (pokud najde levněj piercing v jin m eshopu, tak si napi o slevu).

Na prioritou je, aby každ z kazn k byl naprosto spokojen s n kupem u n s a proto si zakl d me na perfektn komunikaci s každ m z v s. Reklamace ře me obratem a t měř vždy v prospěch z kazn ka(od roku 2010 jsme neuznali jen 1 reklamaci).

Piercingy jsou přehledně rozděleny do kategori jako jsou piercing do pup ku, piercing do jazyka, piercing do nosu, tunely, plugy, roztahov ky atd. v každ kategorii si pak můžete zvolit materi l piercingu a tak styl piercingu.

Výběr dle obrázků

Bradavka

Velk v běr piercingů do bradavky

Industrial

Industrial činky z různ ch materi lů

Jazyk (činka)

Velk v běr piercingů do jazyka, ze v ech možn ch materi lů

Marijuana Addiction and Recovery #smart #recovery, #marijuana, #quit #smoking #pot, #addiction, #weed, #pot, #recovery, #how #do #i #stop #smoking #marijuana, #what #is #marijuana, #rehab, #support #group, #meetings


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Marijuana and Addiction

Marijuana (also known as Weed or Pot) is the most frequently abused (mostly) illegal drug in the US, and makes up 17% of admissions to treatment programs [1].

Treatment is often sought because the long-term use of marijuana can lead to addiction, and individuals looking to quit have to deal with challenging withdrawal symptoms that can keep them from stopping their marijuana abuse.

Statistics show that about 7 percent, or roughly 1 in 14 teens, report using marijuana in the past month. [3]

Is marijuana addictive?

Abuse of any substance – including marijuana – is when the user begins seeking the substance compulsively and continues use though there have been harmful effects to their lives, including problems with family, school, work or the legal system. Research has shown that about 9% of all marijuana users [2] become addicted and that those who start early and who are daily users are more susceptible to marijuana addiction.

What happens when you try to quit smoking pot and you’re addicted?

Pot smokers who are classified as marijuana abusers frequently report that they have withdrawal symptoms that include sleeplessness, no appetite, anxiety, cravings to use, and irritability. While any of these can make quitting difficult, the combination of several symptoms can make it difficult to stay on the road to recovery. This is where SMART Recovery can help.

How do I stop smoking marijuana?

SMART provides our members with tools and skills that they can use to help them recover from marijuana addiction as well as alcohol, or other drugs or negative behaviors. SMART Recovery, which can be used as a support group alternative to Marijuana Anonymous (MA), uses a 4-Point Program , with each element designed to help you overcome your problems with abusing marijuana:

Building Maintaining Motivation – Helps you identify and keep up with your reasons to quit. Why do you want to quit smoking pot – what will keep you focused on that goal?

Coping with Urges – Dealing with urges and cravings is part of recovery. SMART has tools designed to help our members cope with urges to use or smoke pot that can help you maintain abstinence.

Managing Thoughts, Feelings and Behaviors – We frequently turn to using drugs to either escape from or avoid solving our problems. SMART’s members learn problem-solving tools to help them manage challenges along the way.

Lifestyle Balance – When you are addicted to, or abuse a drug like marijuana, your life frequently falls out of balance – you may find yourself opting to smoke pot rather than go to work or school. You may find that things you used to enjoy aren’t fun anymore. SMART Recovery helps members build skills to help balance both short and long-term goals, pleasures and needs that were once out of balance due to drug abuse.

Where do I go from here?

Getting started with SMART Recovery is easy! If you would like to get started right away, you can join our online support group where you can read, share and learn from our worldwide community of members at any time of the day or night. You can also find a local SMART Recovery meeting. or, if we don’t have any meetings in your area yet, you can join us at one of our online meetings.

If you’d like to have printed material to refer to, you can purchase the SMART Recovery Handbook.

References

[3] SAMHSA – 2013 National Survey on Drug Use and Health

Damage From Catheters #do #catheters #hurt


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Damage From Catheters

Damage From Catheters: Are There Any Solutions?

Damage caused from catheters has become a major concern over the last few years among health care professionals, as well as, catheter users. Not only do catheters create a massive amount of pain and discomfort for the patient, but they also raise the risk of infections and even more life threatening ailments such as bladder cancer. In addition to damage from catheters, it has now become financially uneconomical to treat patients who suffer from illnesses directly relating to catheterization.

Due to amendments in the policy set forth by the Centers for Medicare and Medicaid Services in the way they pay redress to medical centers, it is now not financially feasible to treat patients with illnesses relating to catheterization. The amendment states that they will no longer forfeit the bill for a wide range of infections that are contracted in a hospital, thus meaning that the hospital is required to pay bills relating to readmission rates and all cases where a patient contracts a catheter related infection during a hospital admission. This has seen a massive shift in the way health care organizations deal with the damaging effects of catheters. It is now more important than ever to move from a treatment orientated stance towards prevention and solution of this reoccurring problem.

So what are the damaging effects of catheters?

There are a large variety of infections and traumas directly linked to catheterization which can include:

CAUTI (Catheter Associated Urinary Tract Infection)

Damage to the bladder wall through perforation and even penetration

Blood in the urine

Patient discomfort levels during catheterization

These are the damaging effects associated with catheterization as a direct result of the invasive nature and design of the traditional Foley catheter, which is the most widely used type of catheter.

Other Risks Associated With Catheters

When it comes to risks associated with catheters, there is also the risk of human error or inadequate training by medical staff. For instance, with the Foley catheter, if the distal balloon is filled while not being properly inserted into the bladder, damage can occur to the urethra. This has been known to happen numerous times, especially when medical staff unwittingly use a female catheter on a male patient. The differences in length between the male and female Foley catheter can cause great damage to the patient if not used on the appropriate sex.

Why the Foley Catheter has become the #1 Choice

It is also important to make a distinction of the various types of catheters, as there are varying degrees of discomfort and trauma associated with each. For instance, the condom catheter, a type of external catheter, is not invasive at all and has very low levels of discomfort, but the amount of patients who qualify for this type of catheter is very low. Some patients are also not able to wear condom catheters due to allergies or skin issues that can arise from this type of catheter.

Intermittent catheters, which are designed to only be used once and then discarded, are helpful in reducing the risks associated with catheters, such as CAUTI (catheter associated urinary tract infection), but intermittent catheters just are not the right solution for many patients. Intermittent catheterization has to be done every 4-6 hours, which can be an inconvenience for many catheter users. For some, it also can be hard to obtain the quantity of intermittent catheters needed through medical insurance. With intermittent catheters, the catheter user still runs the risk of infection and the risk of urinary leakage due to the bladder becoming too full.

With the issues related to condom catheters and intermittent catheters, this leaves the Foley catheter, which has become the catheter of choice for health professionals around the world. Foley catheters are designed to be secured in the bladder by using an inflatable balloon and can be used as a short term or long term solution for many urinary issues. The Foley catheter makes life easier for patients due to not having to worry about self-catheterization every 4-6 hours and not having to worry about skin irritation such as with the condom catheter. However, it is also this type of catheter that is responsible for most of the damage that occurs to a bladder. The damaging nature of the Foley design is something that has so far been overlooked in favor of just trying to limit its damaging effects to the bladder.

Damaging Effects From The Foley Catheter

It is being noticed that the Foley catheter seems to cause the most damage in bladders. The biggest problem with the Foley catheter is with the tip of the catheter. The tip of the Foley catheter can do all kinds of damage to the lining of the bladder wall. The tip can also cause extreme discomfort and pain for the catheter user. When the tip of the Foley catheter damages the bladder wall, it makes the catheter user more prone to urinary tract infections and increases their risk of getting bladder cancer. Patients who suffer from urinary tract infections are then more at risk of more serious issues such as kidney infections and blood infections. Catheter users around the world have learned to tolerate the discomfort, the pain and the constant infections caused by the Foley catheter because the Foley catheter is the best choice of catheter for their situation. Some patients are just simply not able to use external catheters or intermittent catheters and have no choice, but to use the Foley catheter.

Preventing Damage From Catheters

Here at Poiesis Medical, we are the first to have a solution to the flaws in the design of the Foley catheter. Protecting against many of the trauma causing effects of the traditional Foley catheter and backed up with clinical trials and visual evidence, the Duette ™ dual balloon catheter is proven to reduce bladder trauma, patient discomfort during catheterization, and reducing the onset of catheter related infections. A solution to the many problems caused by the Foley catheter is finally available and can give relief to catheter users who have long awaited for a change.

To learn more about this new style of Foley catheter, please visit our website at www.poiesismedical.com

Clinical Evidence – Healing Bladder Trauma with the Duette™

The following video is an update to our video, “Clinical Evidence – Reducing Bladder Trauma with the Duette™. It compares bladder trauma after 60 days with a Duette™ to bladder trauma after 30 days with a Foley Catheter Launch Video. Read More.

The Duette™ Difference

Poiesis Medical, with the assistance of Professor Roger Feneley of the BioMed Center at the Bristol Urological Institute, illuminates the problems and risk associated with the use of traditional Foley type catheters and the benefits of its advanced, dual balloon Duette™ Launch Video. Read More.

Inside the Bladder: Damage Caused by Foley Catheters

Clinical studies have indicated that the Foley catheter design can cause damage to the bladder. With these photographs, Poiesis Medical has been able to elucidate what that damage is and why it’s time for new solutions. Launch Slideshow.

DCP: Electrical License Types and Scope of Work #how #do #alarm #systems #work


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Electrical License Types and Scope of Work

C-5 LIMITED ELECTRICAL CONTRACTOR

The holder of this license may perform only work limited to low voltage, alarm or signal work, audio and sound systems, and telephone-interconnect. The voltage of any system is not to exceed forty-eight (48) volts or eight (8) amperes where such work commences at an outlet receptacle or connection previously installed by a person holding the proper electrical license. The requirements to qualify for this license examination shall be two (2) years as a properly licensed journeyperson or at least six (6) years of equivalent experience and training.

C-6 LIMITED ELECTRICAL JOURNEYPERSON

The holder of this license may perform only work as defined for C-5 category and only while in the employ of a licensed electrical contractor. The requirements to qualify for this license exam shall be the completion of a registered apprenticeship program or at least four (4) years of equivalent experience and training.

E-1 UNLIMITED ELECTRICAL CONTRACTOR

The holder of this license shall be permitted to do all electrical work as defined in section 20-330 of the general statutes. The requirements to qualify for this license exam shall be two (2) years as a unlimited licensed journeyperson or at least six (6) years of equivalent experience and training.

E-2 UNLIMITED ELECTRICAL JOURNEYPERSON

The holder of this license shall be permitted to do all electrical work as defined in section 20-330 of the Connecticut General Statutes, and only while in the employment of a properly licensed contractor. The requirement to qualify for this license exam shall be the completion of a registered apprenticeship program or at least four (4) years of equivalent experience and training.

L-1 ELECTRICAL LINES CONTRACTOR

The holder of this license may perform only work limited to line construction, including distribution systems, and their allied work, for public and private companies; installation, maintenance and repair of all high-voltage cable splicing and pulling wire for all systems in excess of 2,400 volts; traffic signal and highway lighting installation, maintenance and repair. The requirements to qualify for this license examination shall be two (2) years as a properly licensed journeyperson or at least six (6) years of equivalent experience and training.

L-2 ELECTRICAL LINES JOURNEYPERSON

The holder of this license may perform only work limited to line construction, including distribution systems, and their allied work, for public and private companies; installation, maintenance and repair of all high-voltage cable splicing and pulling wire for all systems in excess of 2,400 volts; traffic signal and highway lighting installation, maintenance and repair, and only while in the employ of a contractor licensed for such work. The requirements to qualify for this license examination shall be the completion of a registered apprenticeship program or at least four (4) years of equivalent experience and training.

L-5 LIMITED ELECTRICAL CONTRACTOR

The holder of this license may perform only work limited to low voltage, alarm or signal work, audio and sound systems. The installation or repair of any telecommunication work is not authorized with the exception of the interface wiring from an alarm system to an existing telephone connection for monitoring purposes. The voltage of the system is not to exceed 25 volts or five amperes where such work commences at an outlet receptacle or connection previously installed by a person holding the proper electrical license. The requirements to qualify for this license examination shall be two (2) years as a properly licensed journeyperson or at least six (6) years of equivalent experience and training.

L-6 LIMITED ELECTRICAL JOURNEYPERSON

The holder of this license may perform only work limited to low voltage, alarm or signal work, audio and sound systems, and only while in the employ of a contractor licensed for such work. The installation or repair of any telecommunication work is not authorized with the exception of the interface wiring from an alarm system to an existing telephone connection for monitoring purposes. The voltage of the system is not to exceed 25 volts or five amperes where such work commences at an outlet receptacle or connection previously installed by a person holding the proper electrical license. The requirements to qualify for this license examination shall be the completion of a registered apprenticeship program or at least four (4) years of equivalent experience and training.

T-1 LIMITED ELECTRICAL CONTRACTOR

The holder of this license may perform only work limited to telephone-interconnect systems where such work commences at an outlet receptacle or connection previously installed by a person holding the proper electrical license. The requirements to qualify for this license examination shall be licensed journeyperson or at least six (6) years of equivalent experience and training.

T-2 LIMITED ELECTRICAL JOURNEYPERSON

The holder of this license may perform only work as defined for the T-1 category and only while in the employ of a licensed electrical contractor. The requirements to qualify for this license examination shall be the completion of a registered apprenticeship program or at least four (4) years of equivalent experience and training or five (5) years as a registered public service technician.

Content Last Modified on 8/5/2010 12:38:30 PM

Online Colleges That Accept Financial Aid #do #community #colleges #accept #everyone


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Financial Aid for Online Students

While financial aid packages are similar for online students and those who attend school on campus, the majority of students in online programs also qualify as nontraditional . In fact, 64% of fully online undergraduates and 81% of online graduate students meet one or more of the following nontraditional student criteria:

  • They qualify as independent on tax forms (cannot be claimed by anyone else as a dependent)
  • They have one or more dependents
  • They are a single caregiver
  • They do not have a traditional high school diploma
  • They have delayed postsecondary enrollment
  • They are enrolled part-time
  • They hold a full-time job

As the largest group of online degree-seekers, nontraditional students may be eligible for unique financial aid and scholarship opportunities beyond the usual channels. For example, many federal, state, and private organizations offer scholarships and grants exclusively for single parents or students who have delayed postsecondary enrollment due to a catastrophic life event.

Today, with a growing number of online schools that accept financial aid, online students can afford a high-quality education at an affordable price. Seeking out an accredited online program in their area of interest is key, as it means the school meets qualifying standards of legitimacy among higher education institutions.

Applying for financial aid for online college begins with the FAFSA.

Accredited programs are also an indicator of online colleges that accept FAFSA. Students who are new to online learning may choose to pursue introductory courses at a community college online, offered by many community colleges as a smart way to ease into virtual learning while avoiding excessive student debt.

You may qualify for federal and supplemental aid based on your family s income and financial need. As part of a larger conversation, you may want to consider a school s overall financial scorecard when researching online schools that accept financial aid. For example, an online program with high retention, graduation, and job placement rates and low loan default rates is an ideal choice for a student hoping to increase ROI and repay their debt within a reasonable time frame. Below, we will walk you through completing the FAFSA form.

Getting Started

As for any college student, online students begin applying for financial aid by filing the FAFSA. Make a point of confirming that the school you have applied to is accredited; this is a must in order to qualify for federal aid. For students looking to test-drive online learning without breaking the bank, so to speak, many community colleges offer online programs at affordable costs that do not require students to take out big loans. While there are many online colleges that accept FAFSA, not all sites that appear to be FAFSA-affiliated are legitimate. In this guide, we will help point you towards reliable FAFSA resources while avoiding scams.

Top 5 Reasons Online Students Should Fill Out the FAFSA

  1. FAFSA is the gateway to financial aid. As the starting point for all students seeking financial aid, completing the FAFSA is necessary to determine your first course of action in funding your education. The FAFSA not only identifies online schools with financial aid opportunities through the government, but is also necessary for each student to understand his or her financial eligibility for additional scholarships, grants, and loans.
  2. Even though you won t be living on campus, you will likely still need to take loans to cover tuition, books, and supplies. Financial aid for online college may not be necessary for room and board, but it is a necessity for primary costs including tuition, books, and other supplements to the provided virtual learning materials. Most students still need loans to cover the cost of program fees, new software, and/or hardware required for online coursework.
  3. If you plan on being a full-time online student, you will also need to take loans to cover living expenses. Even though you are not living on campus, being a full-time online student means you may not be able to also work full time to pay for living expenses. Many online students who enroll full time must take out loans to cover rent, food, and other day-to-day expenses for themselves and/or their dependents.
  4. You may be eligible for free money, such as grants. There are a variety of grants, or free money , available to online students. Grants do not require repayment, and are offered through both public and private institutions. Qualifiers range from program type to student ethnicity to religious affiliation.
  5. It s free, so why not? While completing the FAFSA is perceived by many as a tedious process, this free resource is a major asset to all college students. As the universal standard in determining financial aid eligibility among higher learning institutions, the FAFSA is the first step toward uncovering all potential resources available to you in getting help funding your education.

Why You Should Choose an Accredited School And How to Do It

When seeking online schools that accept financial aid, the importance of choosing an accredited school cannot be overstated. The following are among the primary reasons why:

  • If you don t choose an accredited school you will not get federal funding
  • Your credits will not transfer to another school
  • Your degree will not be recognized by other institutions
  • Your degree will likely not be recognized by potential employers

You can be sure that any school found on our site is guaranteed to be accredited. However, if you are still uncertain about a school you have selected, read on for a simple explainer on how to find a school s accreditation status.

  1. First, type accreditation , followed by the name of your school, into Google s search field.
  2. The first result of this exact search should provide you with the accrediting agency, if there is one.
  3. Lastly, to confirm legitimacy, cross reference that agency with this official list of accrediting agencies recognized by the U.S. Department of Education.

Top 3 Reasons to Consider Community College

  • Online education isn t right for everyone; community college is a great way to try it out with minimal debt. Jumping straight into a full-time college program can be daunting, in part because of the huge debt you may incur in the process. Trying out an online community college with financial aid, however, may allow for you to gauge your comfort level in the virtual classroom while keeping debts minimal.
  • Provides the opportunity to easily change direction if desired. Community college coursework can give you the opportunity to experiment in multiple majors or fields. Should you change your mind about committing to a particular study track, online programs at community college allow you to enroll in another with ease and at minimal cost, compared to exorbitant transfer and program fees incurred by switching programs at a four-year university.
  • Once you have completed several semesters, you can transfer your credits to a four-year institution or continue on to get your associate. Most four-year institutions will consider transfer credits for applicable programs, and some even offer accelerated programs leading to an associate or bachelor s degree. Even though you may need to take your time getting acclimated to online learning, any online coursework you complete can potentially lead to an extended or advanced program down the line.

How to Avoid FAFSA Scams

When preparing to fill out the FAFSA, you may encounter numerous sites offering to help you with your application. While there are some legitimate resources offering assistance to FAFSA applicants at no cost, there are also plenty of scammers attempting to solicit payment from you in exchange for their help. Always remember: FAFSA stands for Free Application for Federal Student Aid, so do not assume that any entity asking for a fee to help you apply is sanctioned by the federal government or Department of Education. Sites charging money to help with your FAFSA form are likely running a scam.

On our site, we offer a free FAFSA guide. We understand that the process may seem complicated, but is a necessity for students applying for financial aid and pursuing college enrollment. As part of our initiatives to empower all students, such as those seeking financial aid for online college, we also offer a comprehensive guide for international students, including FAFSA application assistance. Generally, be cautious of sites asking for payment in exchange for FAFSA-related services, and instead seek help from one of the many free resources offering help to complete your free FAFSA application.

Scholarships for Online Students

Scholarships

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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


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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.

How To Become a Substance Abuse Counselor #how #to #become #a #substance #abuse #counselor,become #a #substance #abuse #counselor,becoming #a #substance #abuse #counselor,how #to #be #a #substance #abuse #counselor,how #do #i #become #a #substance #abuse #counselor,become #substance #abuse #counselor


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The Substance Abuse Counselor Training and Career Center

Welcome! You have arrived at the Substance Abuse Counselor Headquarters! Here you will find all the information you need for a career as a substance abuse counselor, including training, education requirements, qualifications needed for licensure and certification, and more! The Substance Abuse Counselor Headquarters will help you obtain the knowledge and skills needed to get where you want to be… fast!

How To Become a Substance Abuse Counselor

If you think you have what it takes to become a substance abuse counselor, read on to find out if you meet the qualifications. Remember, being a substance abuse counselor is a demanding, albeit rewarding, career path that takes a large personal investment. If you think it is something you’re interested in, you’ll want to find out what you need to do to achieve your goal.

So, you want to know how to become a substance abuse counselor. First, have you checked your personal goals? Assess why it is you want to become a substance abuse counselor. Do you want to help people? Make money? Finding out why you want to become a substance abuse counselor will help to guide you in the direction you need to go.

How To Become a Substance Abuse Counselor: Build These Traits

In Jacquelyn Small’s book Becoming Naturally Therapeutic you can find details on what traits a naturally therapeutic person should have. If you have made the decision to become a substance abuse counselor, it may be helpful to take a personal inventory and see if you exhibit these traits:

  • Empathy
  • Genuineness
  • Respect
  • Self-disclosure
  • Warmth
  • Immediacy
  • Concreteness
  • Confrontation
  • Potency
  • Self-actualization

When you make the decision to become a substance abuse counselor, you should ask yourself these questions:

  • Why am I doing this?
  • What are my motivations?
  • Just what is my role in all of this?

Assessing your reasons for wanting to become a substance abuse counselor will help you get a clearer idea of where you want to be. While one person may choose to become a substance abuse counselor because he or she wants to help addicts overcome a dependency problem, another person may want to become a substance abuse counselor to have a sense of camaraderie or a feeling of obligation to help others with the same problems they’ve had.

How To Become a Substance Abuse Counselor: Education and Experience

After you’ve assessed your personal goals, you’ll need to look into your educational goals. Do you want to further your degree? Just get a job with the minimal amount of education? This will help you determine whether you will want to become a certified substance abuse counselor or a licensed substance abuse counselor. It takes less education to become a substance abuse counselor than it does to become a licensed professional counselor or a licensed clinical social worker.

When you’re trying to become substance abuse counselor you will need both education and experience. If you don’t already have experience working in the field of mental health, it would be advisable to begin searching for an entry-level position before you attempt to become a substance abuse counselor. Often, employers will not hire someone as a substance abuse counselor unless they have a minimum of one year of experience working in mental health.

The steps you will need to take to become a substance abuse counselor will vary slightly by state, but most states have the same general requirements to become a substance abuse counselor.

If you think you have what it takes to become a substance abuse counselor, you now need to decide if you want to become a certified substance abuse counselor or a licensed substance abuse counselor.

Click on the links below to find out more about how to become a substance abuse counselor.

Comprehensive – Collision Insurance Coverages, do i need collision coverage.#Do #i #need #collision #coverage


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Comprehensive and Collision Insurance

When you cause an accident, your first concern will probably be how you’ll pay for the other driver’s damage. If you have liability coverage, this will hopefully cover all of those costs. However, if liability is all you have, you could be left with no way to pay for your own damages.

While most states only require you to be covered for injuries or damage you cause to another person, not many states have requirements in place for damages you incur.

Insurance coverage for your car is considered optional and comes mainly in the forms of collision and comprehensive coverages. Based on the coverage, you’ll have protection for damages incurred in a crash or other unforeseen events.

Collision Insurance Coverage

Collision coverage will help pay for repairs to your car (as well as replacement costs, in the event your car is totaled) after:

NOTE: If your car is damaged in a hit-and-run incident, you will generally be covered through collision coverage. However, this may not be the case in no-fault states or other states.

Most car insurance companies do not provide coverage for pets injured in a car accident. However, some car insurance companies do offer coverage for pets as part of collision coverage. Keep in mind that this coverage tends to be limited and often does not meet the veterinary costs you are likely to face if your pet gets hurt in a crash.

Your best option for your pet is purchasing a separate pet insurance policy that will cover veterinary expenses.

Comprehensive Insurance Coverage

Comprehensive coverage will help pay for repairs to your car or replacement of your car after it’s been damaged by events that aren’t accident-related.

Typically, with comprehensive coverage you’ll be covered for damage from the following:

  • Fire.
  • Theft.
  • Vandalism.
  • Falling (missile) objects.
  • Hitting or being hit by an animal including deer, cows, bears, moose and birds.
  • Natural disasters.

Note that not all policies are the same. Before purchasing comprehensive coverage, make sure you know what your comprehensive policy will cover.

Glass Repair and Replacement

Have a crack on your windshield? Glass repair and replacement is typically covered through your comprehensive coverage.

Generally, most car insurance companies will waive your deductible for glass repair if your crack is smaller than a dollar coin. If the crack is larger, your windshield will need to be replaced and you will likely be required to pay your deductible.

Some insurance providers may cover glass repair and replacement differently. For example, a car insurance company may offer glass coverage completely separate from your comprehensive coverage. Contact your agent to learn more.

Shopping for Collision and Comprehensive Coverages

Car insurance companies typically sell collision and comprehensive coverages together. You may find these coverages packaged together as “physical damage coverage.

When you’re shopping around, remember:

Most companies will not allow you to buy collision coverage without buying comprehensive coverage; however, some may offer policies that have comprehensive and not collision coverage.

When shopping for collision and comprehensive coverages, consider whether you need these coverages and how high you want your deductibles to be.

Determining Necessity

Because comprehensive and collision are optional types of car insurance coverage, you should consider some factors before determining whether or not you need to purchase these coverages.

The value of your car is an important consideration when determining whether you need collision and comprehensive coverage. If you car is:

  • Older and/or low-value, it may not be worth purchasing these coverages, since they will only pay up to the estimated fair market value of your car.
  • Newer and/or high-value, having these coverages can save you from paying out significant costs to repair or replace your car (if totaled)*.

* If your car is totaled, your collision and comprehensive insurance will only pay you the estimated fair market value of the vehicle. If you have a loan or lease, consider gap coverage, which will pay the difference between your how much you owe and the car’s cash value.

You should also consider what you put your car through on a daily basis. For example, if you drive a lot of miles, or if you park your car in a location that is especially susceptible to theft or vandalism, you might want to have comprehensive coverage.

NOTE: While these coverages are not mandatory in any state, they are generally required as part of a car loan or lease agreement.

Choosing Your Deductibles

A deductible is the amount towards a claim that you are responsible for out of pocket before your insurance pays out. Collision and comprehensive insurance coverages require you to pay a deductible whenever you make a claim towards either coverage.

Insurance companies often offer different set options for how high your deductible is.

Choosing a higher deductible lowers your premium.

Keep in mind, however, that a high deductible means you are paying more out of pocket towards a claim. If you choose a high deductible in order to save money on your premium, make sure you have enough money saved to pay your deductible when you need your insurance.

Simply meeting your state’s car insurance requirements may not provide you with enough protection. When comparing car insurance quotes, consider carefully how much coverage you need and whether collision and comprehensive coverages are right for you.

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Online Auto Repair Manual – Do It Yourself #auto #body #kits


#auto repair manuals online
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Online Auto Repair Manuals

Want Professional Results on Your Next DIY Project?

Start with Professional Technical Data and Insider Tips.

OEM Factory Service Manuals Online

This site provides a detailed review of the ALLDATA DIY product which is an affordable DIY version of the same professional technical data that over 70,000 independent repair shops and dealers use every day.

Only ALLDATA DIY provides instant online access to the complete OEM factory service manuals with manufacturer specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, and diagnostic codes all in one affordable package. They even show you how to change the light bulbs. Unlike some other products, nothing is left out, and there are no annoying upsells.

Click Here to Get Your Auto manual by ALLDATA

Review Continues below.

To get the most from your time here, as you scroll down the page we recommend you do these five steps:

  1. Scan the feedback from ALLDATA DIY users on the right.
  2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
  3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
  4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know about what you can expect to find for your vehicle.
  5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

ALLDATA is the only publisher I know that offers a money back satisfaction guarantee. and check this out: if you ever trade yours for a different vehicle during your subscription period you can switch your ALLDATA DIY subscription to the new vehicle for free.

If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure you have all the information to make an informed decision.

I hope you enjoy visiting our site today, and that you find this information useful. Let us know what you think using the contact link to leave some feedback or ask a question.

Best wishes and good luck,

The Things You Should Know If You – re Interested in Becoming a Psychiatrist #what #degree #do #you #need #to #be #a #psychiatrist


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The Things You Should Know If You’re Interested in Becoming a Psychiatrist

A psychiatrist, similar to a psychologist, deals with mental disorders and treating them. However, they have a distinct difference — psychiatrists are more affiliated with medicine. That means they focus more on studying, diagnosing, treating, and preventing mental disorders from a medical standpoint, rather than studying the patient and their behavior due to the disorder. So before you take a step into the world of a psychiatrist, you should make sure it is really what you want to do.

Will I like Psychiatry?

Are you able to listen to other people speaking, genuinely being able to take all the information given to you and respond appropriately? If your answer is no, psychiatry probably isn’t right for you. But if you believe you are capable to listening to a patient for up to an hour at a time without being judgmental, you may have what it takes to be a psychiatrist. And if you enjoy doing it, then that is even better. Here are some questions to ask yourself before getting started in psychiatry:

• Do you like being in one on one situations rather than being in a group?
• Do you like letting other people lead conversations?
• Can you maintain composure under stress or duress?
• Do you like having people place their trust in you?
• Are you a patient person? If not, you may find being a psychiatrist to be one of the harder jobs you will face.
• Are you interested in the human mind and the various affects medication has in restoring or repairing it to its optimum form?
• Are you interested in learning more about mental disorders such as schizophrenia or PTSD?
• Are you good at memorizing? Do you like to diagnose problems?

These are some of the things to keep in mind before you decide to go into psychiatry. And while these introspective questions may not be extensive, they are some key indicators in telling whether you will be interested in the field before you jump right into it.

What does it take to become a Psychiatrist?

The road to becoming a licensed psychiatrist is long one, but if you love the field and want to help people with mental ailments, it is well worth the time and effort needed. First off, you must have your bachelor’s degree. Some students choose to major in psychology, but there are many other social sciences or life sciences that will be equally useful. You could do sociology or health science if you are more interested in the “people” aspect, or you can go into physiology or biology if you are into the medical aspect. However, no matter which one you choose, it is important to get some pre-med experience throughout your journey. Once you are prepared, you can take your MCATs in order to apply for medical school once you obtain your undergraduate degree.

Upon entering medical school, you can expect to find a similar environment from your undergraduate experience – basically just taking science classes in order to expand your knowledge in the field of medicine. However, after two years, you can expect to start shadowing doctors, psychiatrists, or other health care professionals in order to finish your medical school training. This second part of medical school is called rotations. All in all, you can expect medical school to last four years. Before graduating, you will need to apply for residency in some psychiatric facility in order to finalize your psychiatrist licensing.

Your residency will take you an extra four years but will develop your skills using on-the-job training. You will work with mentors and other residents in rotations in order to get hands on experience in all fields of psychiatry, including research and diagnosis. You will also receive clinical training in order to further expand your knowledge of psychiatric medical treatments. Overall, your time in your residency should be a rewarding and enriching experience, if you take it in the right place. Choosing the perfect place to do your residency is another topic of its own, and should be thoroughly researched before committing to one.

Finally, after you go through your undergraduate program, medical school, and residency, you must pass your state’s board exam in order to be licensed. From there you can become certified with the American Board of Psychiatry and Neurology and get started with helping people get their lives in order.

What is being a psychiatrist like at medical center?

If you want to be a psychiatrist at a private practice, then your days are very much like that of a psychologist or a private doctor — it will be a lot of one-on-one interaction with your clients and you will go home in the afternoon. But if you want to practice psychiatry at a medical center or hospital, here is what you should expect:

As a psychiatrist at a medical center or hospital, you can expect to start your days at any given time depending on your rotation. On your shifts, you will have your interns going over the events of the previous shift to catch you up (this is something you should be familiar with my now since you went through your residency). From there, you pick and choose between all the patients, deciding which ones need to stay and get inpatient care, and which ones just need to go home with a prescription. Some may just need a follow up with a different specialist, such as a neurologist.

Your days will be filled with listening to the interpretations of patient stories through the mouths of your interns – in some cases you will listen to the patients if the interns have trouble finding a trigger for a psychiatric break, but know there is something wrong with the patient. During this time, you will also be responsible for training the interns by questioning everything they do, and explaining anything that you do.

If you are interested in becoming a psychiatrist, you now have all the information you need in order to reach your goals. While it may take a long time, it may be worth it if you like to help others improve their lives by conquering their mental demons. As a psychiatrist you will be learning, studying, diagnosing, and treating mental disorders from a medical standpoint in order to enrich the lives of your patients. If that sounds like you, then psychiatry is your calling.

Do it Yourself Car Vehicle Repairs #government #auto #auctions


#do it yourself auto repair
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Things You’ll Need

Before changing the oil, drive the car for approximately one mile to warm up the engine. Position two auto ramps in front of each of the car’s front tires. Slowly drive the car forward until its front wheels rest securely on top of the ramps. Set the parking brake. Remove the oil filler cap from the top of the engine head. Locate the drain plug underneath the car. The drain plug is the large plug or nut underneath the oil pan. Loosen the drain plug with a wrench. Position a container to catch the old oil underneath the drain plug and remove the plug by hand. Allow the oil to drain into the container for approximately 20 to 30 minutes.

Grip the oil filter tightly with an oil filter wrench and turn it counterclockwise. Remove the filter and hold it upside down to keep from spilling oil. Empty the filter and wrap it in newspaper. Wipe the filter holder with a cloth to remove any debris. Tighten the new oil filter in place by hand, followed by a 3/4 turn with the oil filter wrench. Screw the oil drain plug into place, tightening the plug with a wrench. Remove the oil container. Back the car off the auto ramps. Add oil, following the vehicle’s instruction manual on the amount and type of oil needed. Replace the oil filler cap and turn on the car for 60 seconds. Turn off the car and check the oil dipstick. Add more oil, as needed.

If the coolant level is low, check the hoses from the radiator for any leaks. Also check for loose hose clips. Dilute antifreeze with water, if the antifreeze is not already pre-diluted. Fill the expansion bottle near the radiator with the proper level of antifreeze, as marked on the side of the bottle (approximately 1/3 full). Tightly seal the cap on the expansion bottle.

If you have a flat tire, position the car on a firm surface and apply the parking brake. Remove the rim cover and loosen the tire screws with a lug wrench. Do not fully unscrew the tire screws. Place a car jack beneath the car, in a secure spot near the flat. Raise the car. Finish loosening and then remove the tire screws with a lug wrench. Remove the old tire and install the replacement tire. Hand-tighten the screws on the tire, and then lightly tighten them with a lug wrench. Lower the car and tighten the tire screws completely with a lug wrench.

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#email #blast #at?,what #size #to #design #an #email #blast,word #2010 #email #blast #template,word #e-blasts


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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.

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Marriage Counseling Certifications and Certificate Programs #how #do #i #become #a #marriage #counselor, #marriage #counseling #certifications


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Marriage Counseling Certifications and Certificate Programs

Essential Information

Marriage counseling certificate programs are designed for individuals with master’s degrees in counseling or related mental health fields who wish to become licensed marriage and family therapists. These professionals help clients to constructively resolve family or marital disputes, and they assist clients in coping with family members who suffer from mental illnesses or drug or alcohol problems.

Graduate certificate programs in this field typically cover theories and practices of family and marriage counseling, including methods to help clients develop effective communication skills. Many programs take a holistic approach to counseling, focusing on both the individual and the family unit. Certificate programs that meet state licensure requirements typically include supervised practicums or internships, in addition to coursework.

In addition to a master’s degree, some programs require students to have prior clinical experience.

Find schools that offer these popular programs

  • Clinical Pastoral Counseling
  • Community Health Services
  • Genetic Counseling
  • Marriage and Family Counseling
  • Medical Social Work
  • Mental Health Counseling
  • Mental Health Services Technician
  • Psychotherapy and Psychoanalysis
  • Substance Abuse Counseling

Marriage Counselor Certificates

Marriage and family therapy certificate programs prepare students to counsel couples, children, adolescents, and the elderly. These programs cover psychological and sociological theories relevant to relationships. Courses commonly offered through certificate programs in marriage and family therapy include the following:

  • Couples therapy
  • Family dynamics
  • Developmental psychology
  • Human sexuality
  • Mediation techniques
  • Multicultural and ethical issues in counseling

Employment Outlook and Salary Info

According to the U.S. Bureau of Labor Statistics (BLS), the median annual salary of marriage and family therapists was $48,600 in May 2015. BLS projections indicated that employment of marriage and family therapists was expected to increase by 15% between 2014 and 2024.

Continuing Education Information

Graduates of marriage and family therapy certificate programs who aspire to work as supervisors, researchers or educators, or who want to enhance their skills as clinicians, might choose to continue their education in a doctoral program. Licensure rather than certification is required to practice as a marriage and family therapist. State licensure requirements vary; however, many states require passage of the Marital and Family Therapy National Exam, which is administered by the Association of Marital and Family Therapy Regulatory Boards.

In summary, students who want to begin work on a marriage counseling certificate should have a master’s degree. Certificate programs that meet state licensure requirements tend to combine hands-on experience with coursework. Licensed individuals may work as marriage and family therapists or continue their education with a doctorate.

Next: View Schools

A Marriage and Family Therapy Certificate program is designed either for licensed counselors who want to specialize in family.

A master’s degree in professional counseling prepares students to support and counsel clients in several potential focus areas.

Are you interested in helping people through counseling, but you don’t have a college degree? No need to worry – you can still.

Counseling is generally a master’s level program. Continue reading to find an overview of the majors, as well as career and.

  • Ph.D. in General Psychology – Performance Psychology
  • EdD in Organizational Leadership – Health Care Administration
  • M.S. in Professional Counseling with an Emphasis in Marriage and Family Therapy
  • M.S. in Mental Health and Wellness with an Emphasis in Family Dynamics
  • MS in Professional Counseling
  • M.S. in Professional Counseling with an Emphasis in Trauma
  • MS in Addiction Counseling
  • M.S. in Mental Health and Wellness with Emphasis in Grief and Bereavement
  • BS in Counseling – Addiction, Chemical Dependency, and Substance Abuse
  • BS in Health Care Administration
  • BS in Health Sciences: Professional Development & Advanced Patient Care
  • Bachelor of Science in Behavioral Health Science
  • Graduate Certificate of Completion in Life Coaching
  • Graduate Certificate of Completion in Mental Health and Wellness Emphasis in Community Health Administration
  • Graduate Certificate of Completion in Forensic Psychology
  • View more
    • PhD in Marriage & Family Therapy – Therapy with Military Families
    • PhD in Marriage & Family Therapy – General Family Therapy
    • Doctor of Philosophy in Psychology – Child and Adolescent Family Therapy
    • Doctor of Philosophy in Psychology – Child and Adolescent Therapy
    • Doctor of Philosophy in Psychology – Couple Therapy
    • Doctor of Philosophy in Psychology – General Family Therapy
    • Master of Arts in Marriage & Family Therapy (MAMFT)
    • MA in Marriage & Family Therapy
    • Master of Science in Organizational Leadership – Health Care Administration
    • Master of Science in Forensic Psychology
    • View more
  • Paralegal programs aba approved #how #to #become #a #paralegal, #paralegal #certification, #what #does #a #paralegal #do, #paralegal #schools, #paralegal #training #


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    Criminal Justice Paralegal Programs
    (found programs from 466 schools)

    Welcome to the most complete directory on the Web of Paralegal programs. It contains all the nationally accredited programs, from 466 schools across the country.

    Lawyers would have a lot of trouble getting anything done without the help of a trusty paralegal. From conducting valuable research in legal cases to filling out and filing necessary paperwork, paralegals have a hand in almost every aspect of the justice system. Paralegals, sometimes referred to as legal assistants, can work in a variety of areas, including law firms, corporate legal departments, and government agencies.

    Paralegal Job Description

    No matter where a paralegal works, his or her duties will always be tailored to a single goal: serving as an invaluable support system for the lawyers he or she assists. A paralegal has to be able to multitask, as most paralegals have a lot of duties to juggle in any given day. At the beginning of a case, a paralegal’s work usually entails documenting and organizing the facts concerning the case and performing legal research. This research can later help lawyers determine how best to plead their client’s case. Paralegals are also responsible for writing legal correspondence. What’s more, the paralegal is usually responsible for keeping all of this important paperwork organized.

    Paralegal Requirements

    The paralegal profession takes dedication, pointed attention to detail and excellent research and writing skills – as well as basic legal knowledge. Although some paralegals enter the field with no formal training, most paralegals hold at least an associate degree in paralegal studies. There are campus based and online paralegal programs across the U.S. making this career field relatively easy to access. Those looking to receive further training may also pursue a bachelor’s or master’s degree. Paralegal training covers a huge range of material, from typing to legal research and documentation. In some cases a paralegal may also gain specialized training in a specific legal field, such as corporate or real estate law. While paralegal training is not always mandatory, it can be a huge help in finding a good job in the ever-competitive job market. Some paralegals may also choose to earn their official paralegal certification in order to improve job prospects.

    To learn more about the best online paralegal programs, and those offered on campus, request information from the criminal justice paralegal programs listed below.

    Paralegal Career Outlook

    The paralegal profession pays a median salary of $46,120, according to the US Bureau of Labor Statistics (BLS). The BLS also reports a very positive career outlook for paralegals in the coming decade. At 28 percent, the expected rate-of-growth for paralegal jobs is much higher than the national average: a record-breaking 337,000-plus paralegals are expected to be employed in the country by 2018, up from 263,800 in 2008.

    Paralegal Trends

    CNN Money magazine has included paralegals multiple times in its annual survey of the best jobs in the US, including a 2009 list, in which corporate paralegal placed 36th out of 50 jobs.

    Useful Paralegal Resource Links

    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:

    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.

    Mercedes C 350e plug-in hybrid 2016 review #how #do #you #plug #in #a #hybrid #car


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    Mercedes C 350e plug-in hybrid 2016 review

    The C 350e isn’t the perfect small executive saloon – there’s still too much of a compromise accompanying the hybrid powertrain – but it definitely merits consideration if you’re doing the maths on your next company car purchase. The quality cabin has real appeal, the car is a comfortable rapid cruiser, and the low tax rate promises real savings over even a four-cylinder diesel model. Plug-in hybrids aren’t quite there yet, but this is further evidence of how strong they’ve become.

    Plug-in hybrids are really starting to break through into the mainstream, after many years as little more than niche models. The BMW 330e is bringing plug-in tech to the small executive car class – and now we’ve had a chance to try one of its main rivals, the Mercedes C 350e, on UK roads.

    The C 350e takes the existing C-Class but makes use of electric power to deliver some tax-busting CO2 figures – precisely the sort of recipe that can appeal to company car buyers, which account for the sales of so many of these vehicles.

    It mixes a 2.0-litre turbocharged petrol engine producing 208bhp, with an 80bhp electric motor. In combination, the two powerplants produce a sizeable 275bhp and, perhaps more importantly, a hefty 600Nm of torque.

    Even with the extra 200kg of batteries on board the C 350e looks relatively swift on paper; Mercedes claims 0-62mph takes just 5.9 seconds The limited top speed of 155mph is as fast as all but the most extreme C-Classes, too.

    Then there’s the trump card: CO2 emissions. The lab-based fuel efficiency test plays to the strengths of part-electric cars like the C 350e and sure enough, this car emits just 48g/km of CO2. That’s a little up on the 44g/km BMW 330e, but both cars fall into the lowest company car tax band of seven percent – and escape the diesel surcharge to boot. The C 350e is also offered in estate form, incidentally; that car returns 53g/km of CO2 emissions on the official cycle.

    The hybrid system is controlled by a small switch at the rear of Merc’s familiar COMAND dial. You just keep pressing it to cycle through the different modes – Hybrid for a mix of electric and petrol power, E-mode to drive on pure electricity, E-save to preserve the level of charge in anticipation of some EV driving ahead, and Charge, where the engine will work slightly harder and top up the battery.

    Pure-electric mode is swift enough for use around town, with that instant torque that comes with electric motors – but it tails off noticeably at higher speeds, so don’t think you’re going to be keeping up with a Tesla Model S on a twisting B-road.

    The rest of the time, the hybrid system does a good job of cutting in the engine smoothly when it’s needed, and while the brake pedal modulation does take a little bit of getting used to, it’s no worse than in many other systems where energy is being recuperated.

    In fact, in some ways the hybrid set-up suits the C-Class more sweetly than the 3 Series. mainly because the Merc doesn’t have quite the same aspirations of handling agility as its rival. Sure, you can feel the extra 200kg when you fling the C 350e at a corner – it’s not quite as quick to respond as a regular diesel or petrol version – but it’s fine as a relaxed cruiser, in much the same way as its stablemates. Air suspension comes as standard and while the ride isn’t entirely unflappable, even on our car’s optional 18in wheels, it felt pretty composed over all but the worst bumps.

    Negatives? The battery pack cuts the C-Class’s boot capacity from 480 litres down to 335 litres – a much bigger compromise than you’ll find on the BMW. The floor itself has a fairly chunky step in it, too, so it wouldn’t be that easy to slide heavier items into place. And then there’s real-world economy. You can forget all about 48g/km and north of 130mpg, because even with regular access to a plug socket, you’ll do well to crack 40mpg.

    The rest of the C-Class package is as strong as ever, though; you get the same nicely finished cabin and since the 350e comes only in Sport trim, the kit list is reasonably generous, with a Garmin-based sat-nav system, heated front seats and dual-zone climate control all standard.

    Key specs

    • Model: Mercedes C 350e
    • Price: £36,400 (after gov. grant)
    • Engine: 2.0-litre 4cyl turbo petrol & electric motor
    • Transmission: Seven-speed auto, rear-wheel drive
    • Power/torque: 275bhp/600Nm

    SOS – What do I need to sell my car by myself? #detroit #auto #auction


    #sell a car
    #

    You are here

    1. SOS

    What do I need to sell my car by myself?

    Agency: State

    If you are selling your vehicle and cannot find its title, you will need to get a duplicate title at a Secretary of State branch office.

    As seller, complete your part on the title assignment by signing it and adding the:

    • Vehicle mileage
    • Selling date
    • Selling price

    Note: If there is more than one owner named on the front of the title, all owners must sign.

    • Check if any liens (such as bank loans) against the vehicle that are noted on the title. If there is a lien, it must be released by the lienholder in the appropriate signature space. You also may attach a lien termination statement from the financial institution to the title.
    • Have the buyer enter their name, address and signature in the buyer’s section on the title document.
    • If possible, the buyer and seller should go together to a Secretary of State office to complete the title transfer.

    If you are unable to accompany the buyer, maintain a record of the sale for at least 18 months. The record can be a photocopy of the reassigned title or a form or document that includes the vehicle’s year, make, and Vehicle Identification Number, as well as the name, address, driver’s license number and signature of the person to whom the vehicle is sold along with its purchase price and date of sale.

    Under Michigan law, a seller is not liable for any damages or a violation of the law caused by the buyer if the seller maintains proof of sale.

    • Keep the license plate that was on the vehicle you sold. You may transfer that plate to another vehicle.
    • Remember to cancel your insurance on the vehicle that you sold.

    If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.

    Do You Need Auto Repair Insurance? #auto #insurance #rates


    #auto repair insurance
    #

    Do You Need Auto Repair Insurance?

    October 10th, 2011

    Auto repair insurance is different from other insurance types because it does not require that your car is damaged in a collision, or as a result of a natural disaster or vandalism. It basically covers the natural wear and tear on your car — mechanical failures, any problems not caused by an accident. Vehicles can simply break down without any direct cause. These repairs can nevertheless be extremely costly. Auto repair insurance helps protect you against owing a big lump sum. It is important to note, CoverHound does not offer auto repair insurance.

    Some drivers opt for car repair insurance instead of extending the warranty on their car. For some, this is a less expensive way of covering their vehicles. Most vehicle warranties expire after three or four years. A cynic could assert that warranties traditionally last this long because that’s when cars tend to break down.

    Auto repair insurance is often broken down into sub-categories as well. Standard repair insurance generally covers the wear and tear on your car plus breakdowns. But some companies only offer breakdown coverage, meaning they will only cover repairs brought about by breakable parts.

    Clearly it’s best to be armed with knowledge when you start out looking for auto repair insurance. Ask your general car insurance provider whether your comprehensive coverage covers repairs outside the scope of accidents or natural disasters. Chances are it doesn’t. Then look in to your car’s warranty. If it’s still good, your car’s wear and tear and general breakdown should be covered. If you’re looking to forgo a warranty but still want to protect against have to shell out a large sum of money in the case of your car’s non-accident-related breakdown, auto repair insurance may make sense. But you’d have to round up the numbers and do a cost comparison.

    Car repair insurance is a good weigh to spread apart the cost of upkeep on your vehicle. You’ll avoid writing a big check one day, but writing small checks for the coverage each month.

    Garber Buick – in Saginaw, MI – You – ll Do Better at Garber! #auto #covers


    #garber auto mall
    #

    Welcome to Garber Buick

    Welcome to Garber Buick! Family owned and operated since 1907, Garber Buick is the nation s oldest Buick dealer serving the Great Lakes Bay Region. It matters where you buy your car. Since day one, Garber Buick has provided exemplary customer service, believing, We re only doing our jobs when we create an experience for the customers for which they choose to return and do business with us again .

    Featuring the largest selection of new Buicks in the Saginaw area, Garber offers the latest models in a variety of trim packages. Once you select your perfect vehicle, our highly trained sales staff will apply every available new vehicle offer, such as GM employee and supplier discounts, cash allowances, and rebates. Whether you buy or lease, rest assured that as the most respected auto group in the tri-city area, Garber Buick is dedicated offering the most competitive leasing incentives and working with area lending institutions to secure the best finance offers available.

    Garber Buick is also home to the largest selection of certified, pre-owned, and demo vehicles, many of which are low-mileage trade-ins from loyal customers. Every used vehicle has been thoroughly inspected to ensure customers get the highest quality vehicle, and many offer factory warranties. Garber Buick offers such an extensive inventory, that many of Garber Buick s customers make the trip from Midland and Bay City for their pre-owned vehicle needs.

    As the premier destination for Saginaw area residents to get vehicle financing and loans, Garber Buick s friendly and knowledgeable sales staff works to apply all available financing offers on your new vehicle purchase, so you can be guaranteed to get the best price. We believe in financing everyone, offering a fast and easy approval process. Whether you have good credit, bad credit, or no credit, we can help. If you ve had repossessions, or bankruptcy, we understand and can work with lending institutions to get you approved at the best rate.

    Whether you are seeking general auto maintenance services, such as oil changes and tire rotations, or are seeking the most respected car repair center in the Saginaw, Midland, and Bay City area, Garber Buick is your destination. Our highly trained ASE service technicians have years of experience and only use Original Equipment Manufacturer (OEM) parts to restore your vehicle to perfect working order, and our complimentary shuttle service is available for your convenience. So, whether it s general maintenance, or a large repair, our expert technicians are here to provide the best repair work at the fairest price. Schedule a service appointment online today!

    Call or visit us today to see how you ll do better with Garber! With the best sales and service staff in the Saginaw, Midland, and Bay City area, honest and friendly service is guaranteed. Whether you are looking for a new Buick, or are ready to trade in for something different, Garber offers the largest selection at the fairest price, offering the highest value for your trade. See what everyone in the Great Lakes Bay region is raving about, call Garber Buick at (989) 497-4444 or visit us today on State Street in Saginaw!

    How do I Repair Auto Upholstery? (with pictures) – mobile wiseGEEK #canadian #tire #auto #parts


    #auto upholstery repair
    #

    wiseGEEK: How do I Repair Auto Upholstery?

    Repairing auto upholstery can be somewhat complicated, and as such you’ll need a careful approach to get good results. The first thing you’ll want to do is identify what sort of material you’re working with. Upholstery in most cars is made of synthetic fabric blends, but vinyl. leather, and microfiber are also common, and each requires a slightly different approach. Next you should try to get a sense of how bad the damage is. Small rips and tears need different treatment than stains or burns, for instance, and knowing exactly what you’re dealing with will help you identify the right products to buy and will also guide your repair plan. In some cases, though, it may make the most sense to get professional help. Not all auto upholstery problems can be fixed without specialized equipment and tools that you probably won’t be able to find on your own, and professionals are often able to make repairs so effectively that your car may feel like new.

    Identify Your Material

    Assess the Damage

    Most prepared kits are designed to fix all sorts of damage, but getting started is always easiest when you know both where the blemish is and, if possible, what caused it. You wouldn’t want to use a product designed to treat burned leather on a fabric seat with a stain, for instance, since this could actually make the problem worse. You should usually try to get the area as clean as possible before beginning, which may require dusting, vacuuming, or lightly washing the affected area. This is important so that you don’t get dust or other debris into the repair, which can alter the results or make treatment less effective.

    Rips and Tears

    Repairing upholstery tears usually requires a heavy duty needle and thread that is about the same color as the surrounding material. These are commonly found in repair kits, but can sometimes be bought on their own at auto supply or some fabric stores, too. It’s usually best to sew the torn area with a simple “X” pattern, effectively closing the gash. With leather and vinyl, you may also want to spread an upholstery gel over the stitching when you’re finished to seal it into place.

    Depending on how big the damaged area is, you may also want to use patches. Some kits come with a selection of colored patches along with a clear adhesive, or if you happen to have swatches of your exact material these will work well, too. The object is to cut the patch to fit into the rip or tear without making the rip any larger. Once fitted into position, apply a strong adhesive like leather glue to the underside of the tear and the top of the patch. Use a small weight to press the two materials together, creating a strong bond between the patch and the upholstery, then let it dry for usually about 24 hours.

    Burns

    Small burn holes in upholstery like those caused by cigarettes usually require a sealant rather than stitching, but this often depends on the size of the hole and how much of the material has been impacted. When the burn is in a woven fabric blend, the process may involve little more than sealing the hole with a specialized sealing gel that is tinted, either by you or by the manufacturer, to match the predominant color in the upholstery. Leather may require a bit of treatment around the edges to prevent the charred material from flaking or spreading. In either case, start by filling the hole with the gel and then smooth the surface with a small, blunt tool like a tongue depressor. Most kits include a variety of gels and tools that can be useful. Once the gel hardens, it adheres to upholstery and basically disguises the damage.

    Staining and Discoloration

    If staining or discoloration is your problem, you may want to start with a simple soap and water solution to see how much of the damage you can lift off on your own. This tends to work best with stains that are fresh, but a mild soap may help dislodge even really old spills. Next, you’ll want to look for a specially formulated auto shampoo. These come in many kits and are also for sale at hardware shops and car repair dealers, and are usually more effective than anything you could make at home when it comes to gently lifting stains without damaging the surrounding material.

    Specific instructions vary from product to product, but the process usually involves a series of lathers and rinses, and towel drying is usually preferred. Depending on what caused the discoloration and how long it’s been sitting on the material, you may not be able to lift it all out on your own. If the stain seems really stubborn it’s usually a better idea to get professional help, since continuing to scrub even with the appropriate soaps and products can actually cause more harm.

    Getting a Professional Opinion

    While it is possible to repair auto upholstery so that the damage does not spread and is less noticeable, in most cases it isn’t possible to fully restore the original look of the material on your own. Auto upholstery repair shops can evaluate the damage and can often make repairs that are superior to what you can accomplish. They are also well suited to reupholster individual seats or sections if the damage is extensive. If you aren’t sure how to proceed or aren’t getting the results you want with a home repair kit, it may be worth asking around and getting estimates with professionals.

    What to Do About Auto Loans for People with Very Bad Credit #auto #part #stores


    #auto loans for people with bad credit
    #

    Do Car Loans for Very Bad Credit Scores Exist?

    While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

    They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

    In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

    Real Bad Credit Car Loans – Why They’re Better

    Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

    What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

    1. $15.00 in origination fee plus
    2. $2500.00 in interest charges

    This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

    Very Poor Credit Auto Financing

    A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

    • At least a 36 month repayment term, repayable in installments;
    • No personal check mechanism or other unfair collateral. Your car is the collateral.
    • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

    If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

    If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

    Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

    Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

    We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.

    Geeks On Cars: How to Do Auto Painting #salvage #auto #parts


    #auto painting
    #

    Things Needed

    Sand down any imperfections on your car s surface, such as old paint bubbles or small rust patches; 100 grit sandpaper will work the best for most imperfections. According to Auto-Paint.org, you never want to paint over imperfections. A fresh coat of paint will only make these imperfections stand out.

    Wash your car using a garden hose and mild soap, or simply take the car through a car wash. This will remove any sanding dust as well as any caked on dirt and grime.

    Use a wax and grease remover, as recommended by DiscountAutoPart.net, to fully remove any lingering oils on your car s surface. Wax and grease removers are available at most hardware or automotive stores. Learn Auto Painting explains that paint will not stick to the surface if any wax or grease is still present on your car s body. The surface needs to be completely clean before it can accept paint.

    Use painter s tape to seal off any surfaces that you do not want painted, such as windows, tires, headlights, the hood ornament and other small automotive details.

    Mix automotive paint with water and gloss directly in the spray gun s paint container. Every automotive paint supplier utilizes different mixing ratios, so be sure to follow the directions printed on the bottle as provided by the paint s manufacturer.

    7 Things You Must Do When Buying a Used Car #replacement #auto #parts


    #buy used car
    #

    7 Things You Must Do When Buying a Used Car

    Besides buying a home, an automobile is one of the largest purchases most people will ever make. While a factory warranty typically covers issues for consumers who purchase new cars, buying a used car can be a bit more dicey, especially when dealing with a private seller.

    If you’re in the market to buy a used car, protect yourself with as much information as possible by following these seven steps:

    1. Purchase a vehicle history report

    Opinions vary as to the value of reports available from companies such as Carfax and Auto Check. But if a report indicates a car you would have otherwise purchased is a lemon or was severely damaged, it’s worth the investment.

    If you’re purchasing a used car from a lot, many dealers provide their customers a vehicle history report at no charge. If you’re dealing with a private seller, considering purchasing a vehicle history report to learn as much as possible about the car’s ownership history and any major damage. If you plan to evaluate multiple used cars, some vehicle information providers offer discounts for multiple reports.

    2. Get a pre-purchase inspection from a trusted mechanic

    While a vehicle history report may reveal important information about the car’s past, an inspection by a trusted auto repair technician is the best way to learn about the car’s present condition. Have the car inspected by somebody you know or have worked with in the past. Don’t put too much faith in a technician’s opinion if the seller referred you to them.

    Getting an inspection will require making arrangements with the seller to get the car to the shop. You will also probably need to provide the seller a hold fee, but consider it money well spent. The fee should be applied to the cost of the car or returned if the sale doesn’t materialize. Just make sure you put the transaction in writing and have the seller sign the agreement.

    3. Ask the right questions

    You might not consider yourself an auto expert, but there is plenty to be gained from asking the seller relevant questions. Are they the original owners? How long have they owned the car? What are their daily driving habits? How many miles did they usually drive? Was it highway driving or around town? Has the car ever been any accidents or fender benders?

    Most sellers understand that buying a car is a huge decision, so don’t shy away from asking questions that will provide the answers you need to make a confident buying decision. If a seller seems hesitant to answer or tries to dodge a certain question, it’s probably a sign that you should continue your car search elsewhere.

    4. Inspect for drips and leaks

    Even the least-savvy buyer can learn a lot by taking a peak below a car. Look for stains on the ground where the car has been parked that can indicate a radiator or oil leak.

    If you notice even a small puddle of brown or green fluid, take it as a sign that the car might be trouble down the road. If you notice that the car has been parked in various places, inspect the ground of the previous parking places for signs of engine leaks that should give you caution.

    5. Look at the service records

    Sellers who are serious about taking care of their cars will have paperwork that clearly indicates how well the car was maintained. Ask to see service receipts that indicate the oil has been changed, the tires rotated and the radiator flushed.

    Other items you might inquire about include receipts to indicate the wiper blades have been changed, the brake pads inspected and/or changed and the tires replaced. Learning as much as possible about the car’s history can tell you plenty about how the current owners have cared for it. While this information may not be available at a used-car retailer, it never hurts to ask.

    6. Trust your first impression

    Fast-food wrappers on the floor and dust on the dashboard won’t impact the car’s performance, but they can speak volumes about how well the owner cared for a car. A spotless interior is a good indication they’ve treated it well, but you’ll also want to look closely under the floor mats and in the trunk for signs that the car was neglected until it was time for sale.

    7. There’s no reason to rush

    Don’t be afraid to walk away from a potential purchase. Take your time to consider the pros and cons. Whether you’re dealing with a the infamous used-car lot salesman or a private seller in his driveway, avoid falling victim to the “act now or lose this great opportunity” pressure. If nothing else, your willingness to walk away may come in handy when it comes time to negotiate the sale price.

    What to Do About Auto Loans for People with Very Bad Credit #compare #autos


    #auto loans for people with bad credit
    #

    Do Car Loans for Very Bad Credit Scores Exist?

    While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

    They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

    In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

    Real Bad Credit Car Loans – Why They’re Better

    Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

    What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

    1. $15.00 in origination fee plus
    2. $2500.00 in interest charges

    This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

    Very Poor Credit Auto Financing

    A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

    • At least a 36 month repayment term, repayable in installments;
    • No personal check mechanism or other unfair collateral. Your car is the collateral.
    • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

    If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

    If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

    Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

    Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

    We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.

    SOS – What do I need to sell my car by myself? #auto #loan #amortization


    #sell a car
    #

    You are here

    1. SOS

    What do I need to sell my car by myself?

    Agency: State

    If you are selling your vehicle and cannot find its title, you will need to get a duplicate title at a Secretary of State branch office.

    As seller, complete your part on the title assignment by signing it and adding the:

    • Vehicle mileage
    • Selling date
    • Selling price

    Note: If there is more than one owner named on the front of the title, all owners must sign.

    • Check if any liens (such as bank loans) against the vehicle that are noted on the title. If there is a lien, it must be released by the lienholder in the appropriate signature space. You also may attach a lien termination statement from the financial institution to the title.
    • Have the buyer enter their name, address and signature in the buyer’s section on the title document.
    • If possible, the buyer and seller should go together to a Secretary of State office to complete the title transfer.

    If you are unable to accompany the buyer, maintain a record of the sale for at least 18 months. The record can be a photocopy of the reassigned title or a form or document that includes the vehicle’s year, make, and Vehicle Identification Number, as well as the name, address, driver’s license number and signature of the person to whom the vehicle is sold along with its purchase price and date of sale.

    Under Michigan law, a seller is not liable for any damages or a violation of the law caused by the buyer if the seller maintains proof of sale.

    • Keep the license plate that was on the vehicle you sold. You may transfer that plate to another vehicle.
    • Remember to cancel your insurance on the vehicle that you sold.

    If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.

    Online Auto Repair Manual – Do It Yourself #a1 #auto


    #do it yourself auto repair
    #

    Online Auto Repair Manual

    Want Professional Results on Your Next DIY Project?

    Start with Professional Technical Data and Insider Tips.

    Hello, my name is Dana Michaels, and I built this web site for Auto owners who are searching to find the best factory repair manual for their Do It Yourself repair projects.

    This site provides a detailed review of the ALLDATA DIY product. It is designed to give you a lot of information and save you a lot of time. You can find out what the pros know in as little as five minutes.

    To get the most from your time here, as you scroll down the page we recommend you do these five steps:

    1. Scan the feedback under my picture from ALLDATA DIY users.
    2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
    3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
    4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know what you can expect to find for your vehicle.
    5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

    In my experience only ALLDATA DIY provides the complete set of factory service manuals with comprehensive technical data for DIY auto repairs in one affordable package. That includes all of the specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, diagnostic codes, and they even show you how to change the light bulbs. Unlike some other products, nothing is left out.

    The reason ALLDATA can do this is because they are the premier provider of factory technical data to over 70,000 independent repair shops and dealers who subscribe to ALLDATA for all vehicles. Now that same professional technical data is available under the ALLDATA DIY brand at a deep discount to private owners.

    I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure that you leave here armed with the information to make an informed decision about whether or not it is right for you.

    If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

    I hope you enjoy visiting my site today, and that you find this information useful. Let me know what you think using the contact link to leave me some feedback or ask a question.

    Best wishes and good luck,

    Online Auto Repair Manual – Do It Yourself #cheap #auto #glass


    #auto repair manuals online
    #

    Online Auto Repair Manuals

    Want Professional Results on Your Next DIY Project?

    Start with Professional Technical Data and Insider Tips.

    OEM Factory Service Manuals Online

    This site provides a detailed review of the ALLDATA DIY product which is an affordable DIY version of the same professional technical data that over 70,000 independent repair shops and dealers use every day.

    Only ALLDATA DIY provides instant online access to the complete OEM factory service manuals with manufacturer specifications, diagrams, step-by-step procedures, OEM part numbers, technical service bulletins (TSB), factory recalls, component locations, and diagnostic codes all in one affordable package. They even show you how to change the light bulbs. Unlike some other products, nothing is left out, and there are no annoying upsells.

    Click Here to Get Your Auto manual by ALLDATA

    Review Continues below.

    To get the most from your time here, as you scroll down the page we recommend you do these five steps:

    1. Scan the feedback from ALLDATA DIY users on the right.
    2. Scroll down through the “What’s Under the Hood?” section to see a detailed overview of what you get with an ALLDATA DIY online repair manual subscription.
    3. Kick the tires. as you scroll down, make sure you click on some of the little icons to see some screen shots.
    4. Take it for a spin. check out the live demo and use it to look up your specific problem on the sample vehicle so you know about what you can expect to find for your vehicle.
    5. While you are there, go lookup all the TSBs and Recalls (the list of titles is free to anyone, but the details are inside the manuals).

    ALLDATA is the only publisher I know that offers a money back satisfaction guarantee. and check this out: if you ever trade yours for a different vehicle during your subscription period you can switch your ALLDATA DIY subscription to the new vehicle for free.

    If you have been looking at other products, I promise you will not be disappointed when you see what ALLDATA is offering for less money.

    I believe ALLDATA DIY is the best product in its class, but it may not be what you are looking for. So the best I can do is put it all on the table and make sure you have all the information to make an informed decision.

    I hope you enjoy visiting our site today, and that you find this information useful. Let us know what you think using the contact link to leave some feedback or ask a question.

    Best wishes and good luck,