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Screenshots of Free Loan Calculator

Free Loan Calculator Editor’s Review

Free Loan Calculator is a simple, but extremely useful, tool designed for calculating the payments in case you intend to borrow different amounts of money.

The program is very easy to use and very fast. All you need to do is enter the amount of money you have to return, choose your payment frequency and number of payments and the annual interest rate. The payment frequency can be set at a time interval of your choice, from annual payments to daily payments. The program will instantly calculate the amount of every payment, the total interest paid, and the total amount paid.

If necessary, you can also enter the amount of estimated annual taxes and/or insurance for a more accurate estimate. The program includes link to some Web resources, which might prove to be useful in terms of advice in case you are interested in borrowing money.

Pluses: The program has two similar payment calculation windows, so you can compare the repayment of two load under different payment conditions.

Drawbacks / flaws: There are no advanced feature such as the recalculation of the remaining sum after a period of time, you cannot enter a variable interest rate, etc.

In conclusion: A basic, nice and useful program.

version reviewed: 4.8.0

Free Loan Calculator Publisher’s Description

This free loan payment calculator for Windows allows you to quickly calculate and compare loan payments based upon variable payment frequency! Offers Daily 365/year, Daily 360/year, Weekly, Biweekly 26/year, Bimonthly 24/year, Monthly, Quarterly, Biannual, and Annual payment periods. Free Loan Calculator is a financial calculator designed for 2000.


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The Sims 3 is the third title in the series excluding expansions and addon packs that have been released for the previous versions. This is life simulation at its best from Electronic Arts and has been developed by The Sims Studio. This was released in 2009 for both the PC and also for the Mac OS X. download games like this one and more from this site, you will not regret it one bit. If you came here to know where to get this game then use the following link to get full version of Sims 3 free download for PC and Mac.

Use This Link for Downloading

The consoles version for Xbox 360 and PlayStation 3 and the mobile versions were released in 2010. This was an instant success which created a lot of fans for the series and the old veterans also were really happy with the new features.

Tutorial:

The Sims 3 Download for Free, Install and Play

This has something to offer for everyone even if you are not a gamer but if you are the kind of person who likes shooters then you should stay away from this as this is just a part of the lifestyle of a normal person, here you live a virtual life as that normal person. People who have played and experienced this will find that this third version is the best of them all with almost all the features being improved from the previous iterations. Sims 3 PC download is available from this page for everyone to get. This one doesn t need you to be a player of games to enjoy it as anyone who knows how to use a mouse can play and enjoy. A child can enjoy this or even a grandmother will enjoy it, as it appeals to people of all ages. Sims 3 free download can be taken from the link given at the end of this post.

This might not look anything like the modern day shooters but it surely is much better compared to the previous version. You will need a good system if you want to enable all the graphical settings to make it look better. The day-night cycles, the blowing wind, cars moving on the streets make this a living neighborhood with all these things shown in very good details. The Sims characters are done very well and the animations and facial expressions shown on the characters are really good. So you want to get this, then just skip to the end and you will find the link to download Sims 3 for free is waiting for you.

Sims 3 Free Download

Sims 3 brings 11 new career choices for you to choose from and some of the careers split into two parts once you join them. Once you take up a job then your Sims will leave for work on the days scheduled for work and the time will be fast forwarded till the Sims returns back to home from work. Your performance on the job will be determined from various factors and if you are doing well then you will see your Sim being promoted. You also have skills about ten of them that you can learn in order to improve your Sims and these skills will be useful during your job as well. Looking to get the full version of the game then go to the end and you will get what you are looking for.

The Sims will age over time and eventually die; if you have taken Ambrosia or halted the aging process then they will come back from the dead or stop aging when you take the magic medicine. This lets you control up to 8 characters in a single household. The people you can control are from toddles to the elder Sims. The toddles will need to learn to walk, talk and the teenagers need to go to school and try to learn and they can even take part time jobs to help the family. Download Sims 3 full version free for PC from this page.

All in all the Sims is a lot addictive if you are into this kind of a stuff and the amount of things you can do during a session is incredible. The expansion packs that have been released for this have really improved the overall appeal with various new features added. All of these new features make for a completely different experience than the one when it was first released. Whether you are a gamer or not just play this once and see if you like it or not, we are sure you will definitely like this. Following link will give you Sims 3 download for PC for free.

Related Games:

Find Full Version Free Games Download for PC


Free Automotive Software – Repair Shop Software – Accounting Software – Free Software #free, #automotive, #software, #accounting, #download, #repair, #shop, #management, #mechanic, #gas #station, #used #cars, #fleets, #muffler, #transmission, #detailing


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FREE Automotive Software

Repair Shop Management

Accounting Software for most businesses

FREE SOFTWARE

Our product line is automotive software to manage truck and auto repair shops, gas stations, convenience stores, used car dealers, fleet managers (anyone who owns a vehicle)and general retail accounting. It works well alongside auto dealer management software. Our product is being used by thousands of repair shops of all kinds. Foreign and domestic auto repair shops, truck repair shops, RV repair shops, transmission shops, muffler shops, tire shops, specialist shops, mechanics, school automotive shops, etc. Also lube centers, detailers, limo services, cab companies and can be used by anybody who needs accounting programs.

Our programs were written in DOS and were sold individually for prices as high as $350 per program, $1000 per selected packsges. Since our programs cannot be run directly on the latest operating systems (Windows Vista and Windows 7) we are giving them away. The programs we offer do not require graphics. They are text based accounting programs. Text based DOS programs are faster, more efficient and more reliable than graphics programs. We have offered these programs since 1984. A program written for DOS can be used on an IBM compatible PC using either DOS, Windows 3.1 or WINDOWS 95/98/ME/XP for an operating system. Our software will not run on VISTA or Window 7 without outside help.

Click on a program name (below) for more information on that program.

All our FREE automotive software is available by download.

Invoice Writer * ** – Our point of sale (pos) invoicing software will do your billing by writing invoices and estimates with ease.

Accounts Receivable * – This powerful accounts receivable software will manage your charges and collections and print billing statements.

Inventory Management * ** – Manage your inventory with our software. See how it can control and manage your stock and purchase orders.

Used Cars Sales Records – For Used cars dealers. Car lot management software to track the sales of used cars from your carlot.

Fleet Maintenance Records – Fleet Maintenance Software records and tracks all expenses, maintenance and gas mileage on any number of vehicles.

Accounts Payable – Track all your expenditures – handles up to 4 checking accounts.

Customer Followup – Provides a means to thank new customers for selecting your facility to service their vehicle and to provide reminders by service category of repetitive maintenance required for your customers vehicles.

Appointments – Appointment Software keeps track of when your customers are scheduled for service.

Profit/Loss – Monthly profit/loss statements – program tracks monthly and year to date profit/loss.

Tow Records – Record tow call data – time, date, locations, etc..

Preventative Maintenance – Specialized software tracks maintenance due dates by perpetual calendar.

Daily Books for C/Stores (with gas pumps) – Program generates daily balance sheets with MTD (month to date) and YTD year to date) totals for convenience stores.

Daily Books for Service Stations (with gas pumps – Program generates daily balance sheets with MTD (month to date) and YTD (year to date) totals for gas stations.

Daily Books for Retail Businesses (no gas pumps) – Program generates daily balance sheets with MTD (month to date) and YTD (year to date) totals for repair shops and other retail businesses.

Group Management (Mailing List – Group/Event Management Software manages your membership mailing list for groups and their events.

Payroll Tax Calculator – If a federal tax calculator will help you, you can have it free, just by downloading it here!

Note Writer – Substitutes for a word processor.While it isn’t of much use since the advent of Windows with their free notepad software, you can print any number of postcards (very useful).

Checkbook – This software can record up to 100 deposits, 500 checks and 100 other entries between statements. It will print checks and statements.

* Integrated (Share Data)
** Network Ready

Click on a listed program (above)for more information about that program.


Simple web-server Download #simple #web-server, #download #simple #web-server, #simple #web-server #free #download, #html #web #server, #debug #html, #publish #html, #server, #html, #debug, #publish


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Simple web-server is a small software application that works as a web server. The tool employs straightforward actions for helping you debug or publish a simple HTML site.

The advantages of being portable

The utility comes in a portable package which can be deployed on your computer by skipping a normal installation process and simply running the EXE file.

Great news is that it doesn t leave leftovers in your system and entries in the Windows registry, so you can run it without administrative privileges. Uninstalling the app can be done by deleting the files grabbed from the Internet.

You can also store the program on any USB flash drive or other devices and take it with you whenever you need to work with a simple web server.

Minimalistic GUI

Simple web-server adopts a clean and simplistic layout that embeds only a few features that you can experiment with. There are no intricate and complex configuration settings hidden under it hood so even rookies can learn to master the process in no time.

Although the tool doesn t integrate a help manual, all of its features are highly intuitive and you can easily get an idea of how it works.

A few configuration settings

Simple web-server gives you the possibility to specify the path to the root of your website using the built-in browse button (there s no support for drag-and-drop). In addition, you are allowed to start or stop the current connection.

The tool also offers you the option to save the query history to plain text file format. By default, the logs are saved to the same directory where the program is stored. The best part about this utility is that it works in the background without disturbing your activity. In order to stop a minimized web server, you need to launch the application once again.

Bottom line

All things considered, Simple web-server offers a simple software solution for making sure you can debug and publish HTML websites, and is suitable for all types of users regardless of their experience level.


Inventory management software, manufacturing tracking system, computer inventory management software free download.#Computer #inventory #management #software #free #download


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Golden Inventory system

Golden Inventory is a multi-user,multi-locations and multi-currency system. It will work on any business

Computer inventory management software free download

Track manufacture operations

Golden Inventory allows to track manufacture operations and create work orders.

Computer inventory management software free download

Integration with QuickBooks

You can download with Golden Inventory hundreds of sales orders into QuickBooks for a minutes.

For several warehouses

We have multiple warehouses at different physical locations. We were looking for software to track bulk and bagged inventory in multiple locations with the ability to roll all warehouses up to the company level. We have approximately 200 different products in 12 different locations.Golden Inventory system perfectly suited us.

Peter Shmarling, BulkBag

For startups

We were starting a new distribution business, and needed to track inventory. Our company has one location to start with, but plans to expand. We chose Golden Inventory system. It is an inexpensive and reliable software.

Silvia Geriot, Garden Flowers

For diversified enterprises

We had the following requirements for the software: Sales help, Billing, Inventory tracking, Purchasing, Invoicing and the ability to print them.Golden Inventory system is a great tool for all these task.

Marc Himelstein ,Detroit Tigers

Golden Inventory system (GIS)

If you are using Microsoft Excel for tracking inventory you know it is labor intensive. And if your company is growing you need something more powerful for inventory control and order processing. You can try to use our software for inventory management, order processing, costs associated with production, assembly, shipping, tracking and import orders into Quickbooks. Golden Inventory is a multi-user,multi-locations and multi-currency system.

Major functionality

  • Multi-user system
  • Multiple companies
  • Multiple Warehouses
  • Create and print Invoices
  • Generate Sales orders
  • Print Product Labels with barcodes support
  • Scan Barcodes
  • Purchase orders function
  • The system allows to track partial Receiving by Purchase orders
  • GIS supports a purchase order approval process
  • Tracking Vendor and customer payments
  • Estimate, Quote
  • Product reservations for Sale orders
  • Shipping and Receiving
  • Point of Sale options
  • Work orders for tracking manufacture operations
  • Transfer between warehouses
  • Screen and report permissions by user
  • The system has a lot of opportunities for customization
  • This system can generate many different reports with a possibility to export them in Excel files

More about features

GIS is an advanced inventory management software designed for retail,wholesale and manufacture businesses. This system has several advantages including the Return Merchandise Authorization function, hierarchical groups for products,import and export functions for QuickBooks, CSV, PDF and XML files, multi-currencies and expiration dates features. This inventory software has the flexible security function. You can define different access rights for users. Golden Inventory system can work locally and on the network with MS SQL Server. This system has tracking payment functions and calculates item costs with FIFO and Average methods. GIS has a lot of different reports: Inventory,Inventory by locations, Receiving, Sales,Sales order, Allocated items, Purchase order, Ordered products, Invoice, Payment,Transfer, Work order,Customers balance,Vendors balance etc. This is a very flexible software with a lot of options. GIS can handle more than 100,000 items.

We also offer other inventory systems. SilverNet is a Web-Based inventory system working via the internet. Bronze Inventory is an inexpensive multi-user system for the treatment of goods in multiple warehouses.


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Yahoo Toolbar with Anti Spyware

2014-02-23 15:56:17 | By mazdaman7q

| Version: Yahoo Toolbar with Anti Spyware 7.1

Personalize bookmarks that you can access from any PC.

Add custom shortcut buttons (even make ones to web sites not normally available)

Funny how the pop up blocker won’t work when it’s Adware they install along with the toolbar.

Does NOT give you option to NOT have Adware installed.

This used to be a great toolbar until they suddenly added all of this Adware that pops up everywhere. very annoying to have to close windows and close and close again (2 or 3 for every window)

I guess this explains why the pop up blocker won’t work on all these pop up adware windows since it’s source is the Yahoo toolbar.

I even did an uninstall and reinstall to make sure no boxes checked or I didn’t inadvertently agree to their Adware and sure enough, didn’t agree to this spam, yet it’s there when I run the toolbar, and gone when I do an uninstall.

To summarize, DO NOT install this toolbar unless you don’t mind tons of pop up windows trying to get you to buy from other than the site you are surfing.

This is pretty low Yahoo!!


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Об этой игре

Самая ожидаемая игра 2009 года, сиквел к самому популярному экшену от первого лица за всю историю игр, Modern Warfare 2 продолжает захватывающую историю предыдущих частей. На этот раз игроки столкнутся с новой угрозой: полным уничтожением этого мира.
Впервые в истории видеоигр музыкальное сопровождение для Call of Duty®: Modern Warfare 2 написано многократным обладателем наград Американской Киноакадемии, Золотой глобус, Грэмми и Тони, легендарным композитором Хансом Циммером. Действия игры разворачиваются сразу же после событий Call of Duty® 4: Modern Warfare® — игры, завоевавшей множество положительных оценок от критиков со всего мира, в том числе:

  • «Самая популярная видеоигра по Интернету» по версии Книги рекордов Гинесса, 2009 год
  • Более 50 наград «Игра года», в том числе награды «Игра года для консолей» и «Лучшая игра года» в 2007 от Академии наук и интерактивных развлечений.

УНИКАЛЬНЫЕ КООПЕРАТИВНЫЕ МИССИИ

Абсолютно новый игровой режим с поддержкой одновременной игры по Интернету 2 человек, сильно отличающийся от сюжета одиночной игры.

  • Спецоперации подразделяются на 2 вида: на время и на выполнение цели.
  • Открывайте новые миссии, еще более сложные, успешно выполняя уже доступные.
  • Места действий: самые яркие моменты из одиночной игры, любимые моменты из Call of Duty 4: Modern Warfare и абсолютно новые, эксклюзивные миссии.

ПЕРЕИЗОБРЕТЕННЫЙ МУЛЬТИПЛЕЕР

Устанавливая новую планку стандарта для многопользовательских игр, в Modern Warfare 2 вниманию игрока предложены новые возможности, настройки и режимы игры, а также:
Создайте и попробуйте в бою улучшенное

  • Дополнительное оружие: автоматические пистолеты, дробовики, ракетницы
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  • Уникальные способности
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  • Награды за серию: AC130, турель, глушение радара, груз снабжения и ужасающий ядерный взрыв!
  • Подробная послематчевая статистика

Системные требования

    • ОС: Microsoft Windows XP или Windows Vista/7 (Windows 95/98/ME/2000 не поддерживаются)
    • Процессор: Intel Pentium 4 3.2 ГГц или AMD Athlon 64 3200+ или лучше
    • Оперативная память: 1 ГБ
    • Видеокарта: 256 МБ NVIDIA GeForce 6600GT или ATI Radeon 1600XT или лучше
    • DirectX®: Microsoft DirectX(R) 9.0c
    • Жесткий лиск: 12 ГБ свободного места
    • Звуковая карта: Полностью совместимая с DirectX 9.0c
    • Интернет: Широкополосное соединение для игры по Интернету.
    • Размещение многопользовательских серверов: Двухъядерный процессор с тактовой частотой 2ГГц или лучше
    Внимание: Версия этой игры для Mac OS недоступна в России.

© 2017 Activision Publishing, Inc. Activision and Modern Warfare are registered trademarks of Activision Publishing, Inc. All rights reserved. The ratings icon is a registered trademark of the Entertainment Software Association. All other trademarks and trade names are the properties of their respective owners.


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Run Compliant Payroll

Australia based Support

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Tracy Young – Live Group

“When we started our recruitment business, I was running our payroll manually with spreadsheets word documents. Our end of financial year process took over a week was difficult to ensure accuracy with our figures. I came across ePayroll through a business referral and we haven’t looked back. My payroll size has doubled but takes me less than half the time to complete and my end of year process is done with a click of a button. I couldn’t be happier with ePayroll the service they provide. The staff are always friendly ready to help and I have not had any issues with the ePayroll system itself. I highly recommend ePayroll to any SME business owners”

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“We went looking to find a payroll solution in July 2008 we were introduced to ePayroll by another business partner. We have always been happy with the ease of use and the prompt service delivery offered by the online system. I would have no hesitation in recommending ePayroll and their online system to any business”.

Robert Woods – TonerShop

“We have been using the ePayroll system since 2007 and it has been a lifesaver. We have minimised our costs by not having to hire a Payroll Officer as the system does it all for you in a matter of clicks. It is very user friendly and the support staff are fantastic and are always there to lend a helping hand when you need it. We would highly recommend ePayroll to any organisation.”

Irene Nakhle – Clear View Recruitment

“We have showrooms in Maroochydore, Toowoomba and Brisbane – ePayroll makes it easy to manage payroll for multiple sites. Being accessible online means timesheets and leave entitlements can be calculated quickly.”

David Walker – Strategic Concept Development Manager, A Touch of Romance

The best feature of ePayroll is that it is so user-friendly allowing me to process 17 employees in under 15 minutes – meaning less time doing admin work and more time increasing sales.”

Scott Altmann – Director, Pizza Hut Sovereign Hill

A little about ePayroll

ePayroll has been providing comprehensive and integrated online payroll solutions to businesses across Australia for over 10 years. Our state-of-the-art payroll software is widely used – from your local boutique caf to a medium sized organisation with over 50 staff. Every business knows that a smarter and more dynamic payroll system can increase organisational efficiency, which leads to higher productivity and effectiveness. Our online payroll programs and applications allow businesses to optimise their daily operations by reducing risky errors whilst boosting compliance and accuracy.

As Australia s trusted web payroll and employee management software providers, we guarantee that you will get the ultimate flexibility and efficiency to lift your business to greater heights.

A little about eCorporate

eCorporate is an easy online employee management solution that gives your business full control. Specifically designed for medium to large Australian business, our comprehensive payroll platform enables you to pay and manage your employees.

eCorporate has been designed with more flexibility, not just for payroll but integration on online time-sheets. award interpretation and our Synchronise Time Attendance.


Free Tennessee Motor Vehicle Bill of Sale Form BK441 – Form Download #used #auto #values


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Free Tennessee Motor Vehicle Bill of Sale Form BK441

The BK441 Tennessee Bill of Sale of Motor Vehicle form of 2003 is intended to provide evidentiary proof of the sale/purchase transaction between the buyer and seller pertaining to a motor vehicle described within the document in the state of Tennessee.

Accompaniment of this BK441 form is mandatory during the title transfer of the motor vehicles. This document also serves as a receipt for the payment made by the buyer towards the entitlement of the said motor vehicle. Furthermore, the seller declares and warrants that the motor vehicle and its parts are free from encumbrances and liens of any sort and the buyer has full rights to enjoy the motor vehicle. Signing the document is essential for its validation, execution, and legal standing thereof. Form BK441 has powers to grant, transfer, sell, deliver, and acknowledge the sale/purchase transaction between the buyer and the seller.

Indispensable Facts

  • Form BK441 is legally binding on both seller and buyer after it is signed and executed.
  • Bill of Sale of Motor Vehicle also serves as a lawful receipt of the payment made by the buyer to the seller.
  • Notarization before the Notary Public of the State is mandatory for legal execution of the form BK441 Bill of Sale of Motor Vehicle.
  • Describe the motor vehicles in detail in the respective spaces to define the subject of the sale/purchase transaction.
  • Bill of Sale of Motor Vehicle or form BK441 does not provide warranty on the aforementioned motor vehicle of any sort.

Begin by entering the purpose of the Bill of Sale of Motor Vehicle followed by the amount in the US dollar. Furnishing these details ensures to preserve the purpose of the transaction as well as sanctity. Continue by providing the legal name of the buyer on the subsequent line.

The subsequent lines have spaces for furnishing details of the motor vehicle. Proceed with entering make, type, model of the vehicle followed by mentioning the motor number, serial number, body number, license number, and the name of the state. Furnish these details accurately and double check for errors and/or for omitting important details. Description in this portion of form BK441 plays a vital role in governing the identification of the motor vehicle and the subject of the form.

Mention liens if any, to transfer the motor vehicle along with it. Leaving it blank or striking it out, offers the freedom from encumbrances of any sort. Proceed with entering the place (county and state) followed by the date in the prescribed format.

The last portion of the form BK441 has space for signature of the seller along with the address on the right hand side. Sign on the appropriate place and furnish the address of the seller. The left hand portion is reserved for the notarization of the Bill of Sale of Motor Vehicle document before the Notary Public of the state. It has spaces for input of date, signature and seal of the Notary Public, and the date of expiry of the commission.

Text version of this Form

Page 1

Bill of Sale of Motor Vehicle

Know all men by these presents: That in consideration of :______________________________________________

DOLLARS ($______________________) the receipt of which is hereby acknowledged, I/we do grant, sell, transfer and

deliver unto _________________________________________________________, his her or their heirs, executors,

administrators and assigns the following described motor vehicle: ___________________________________________

Make Type Model

with ________________ _________________ ________________ ________________ _______________

(Motor Number) (Serial Number) (Body Number) (License Number) (State of)

To have and to hold the said vehicle forever, and the said grantor hereby warrants that said vehicle, including its tires, battery and

all other equipment is free of all liens, and encumbrances, except: ___________________________________________

_________________________________________________________________________________________

Dated at __________________________this _________ day of _________________________, 20 ______

Sworn To and Subscribed Before Me This The ______________ _________________________________________

Signature

Day Of ________________________________ 20 _________ Address:__________________________________

___________________________________________________

(Notary Public) _________________________________________

My Commission Expires ________________________________ BK441/Bill of Sale of Motor Vehicle/013103


Free Auto Bill of Sale Form – Form Download #cheap #auto #parts #online


#auto bill of sale
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Free Auto Bill of Sale Form

When you buy an automobile in the United States of America you need to fill this form and submitted to the Department of transport for the legal transfer of the auto mobile from the seller to the buyer.

For this form to be evaluated both the seller and the buyers signatures are required on this form. Since this is a general form it can be used in any state unless there is another form available for that particular state.

The details that need to be filled in this form are as follows the name of the seller and the buyer then the specifications of the automobile like the make, model and year of car. The vehicle identification number, the date of the sale of the vehicle, the total purchase price of the vehicle in dollars. Then the mode in which the buyer will make the payment as an cashier’s check/Money order or cash as in a down payment for the vehicle along with the signed the promissory note for the balance of the total purchase price.

Then upon receipt of payment the seller has to agree to provide the following documents to the buyer they are certificate of title (including odometer disclosure section), signed by the seller, the current registration for the vehicle. The seller also needs to warrant that the vehicle is free of all legal claims, liens and encumbrances.

Text Version of this Form

Page 1

CONTRACT AND BILL OF SALE FOR AUTOMOBILE

_________________ ( Seller ) agrees to sell to _________________ ( Buyer )

the following automobile: [specify make, model and year of car], with Vehicle Identification

Number _____________ (the “Vehicle”), pursuant to these terms:

1. The date of the sale of the Vehicle will be _____________, 20__.

2. The total purchase price of the Vehicle will be _______________________ Dollars

3. In exchange for the Vehicle, the Buyer will pay Seller the total purchase price of the

Vehicle on the day of the sale by cashier’s check, money order, or cash. [ALTERNATIVE:

4. Upon receipt of payment as provided above, The Seller agrees to provide the following

documents to Buyer on the sale date:

 Certificate of Title (including Odometer Disclosure Section), signed by Seller.

 The current registration for the Vehicle.

5. The Seller agrees to deliver the Vehicle to Buyer with a current registration and a clear

title. Seller warrants that Seller is the legal owner of the Vehicle and that the Vehicle is

free of all legal claims, liens, and encumbrances. The Seller agrees to pay for and deliver

any necessary smog certification to Buyer before the sale date. [NOTE: an updated

smog certification may not be required if the Vehicle is less than four years old.]

6. The Vehicle is sold as is, and the Seller makes no express or implied warranties as to

has has not been declared a total loss by an insurance company.