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Free Printable Worksheets for Preschool – Sixth Grade in Math, English, and more #worksheets, #math, #english, #handwriting, #coloring, #word #search, #reading #tips, #education, #early #childhood, #preschool, #kindergarten, #first #grade, #teachers, #homeschool, #fine #motor #skills, #coloring #pages, #t. #smith #publishing, #tlsbooks.com


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Thank you for visiting this free worksheet site!

Welcome to Tlsbooks.com. Tlsbooks offers you a variety of free printable worksheets to use at home or in the classroom. You’ll find thousands of worksheets appropriate for students in preschool through sixth grade. These educational worksheets may be used to supplement your early childhood education program, home day care resources, elementary school classroom, or home school curriculum.

Parents love using these free worksheets to help their child gain valuable readiness skills or to reinforce material their child may already be learning in school. Teachers appreciate the fact that they can print complementary materials to use in the classroom, for homework, or as extra practice for struggling students .

Along with these unique educational worksheets you’ll discover fun coloring pages. a variety of print-ready teacher resources. puzzles. and reading tips. Although our Terms of Use prohibits the saving of worksheets, you are welcome to return at any time to print material that you may need.

All of the materials found on this site may be printed for your own personal includes printing materials for your classroom , non-commercial use. The educational materials found on this site may not be hosted on any other web site, blog, forum, etc. Please be familiar with these Terms of Use before using any materials from this site.

In order to view and print worksheets from this site you will need Adobe Reader version 6 or later. You may download the latest version of the free Adobe Reader here.

Easter is on Sunday, April 16th. We offer a variety of Easter worksheets and coloring pages for this fun filled day! Here are a few links to get you started:
Easter Counting and Number Writing Worksheets – Practice counting, writing numbers, and drawing representations of numbers 1-10. This set includes ten worksheets.
Easter Acrostic Poem – Fun for all ages! Write a poem with each line beginning with a letter in the word Easter.
Easter Egg Critters – Kids can color and cut out these funny Easter egg decorations then place them around their colored eggs.
Easter Addition Worksheet 4 – No carrying involved when students write the sums to 99 in an egg.

Fun quizzes for each day of the year!

Keep your first-sixth grade kids on their toes! Dragon’s Daily Drill is a fun, on-line quiz for students. A new question is presented daily on a variety of subjects including math. science. language arts. and history. Just select any grade level from first through sixth grade and let the learning begin!

Top Ten Worksheets for March

Dr. Seuss Word Search Puzzle – Can your favorite Seuss character be found in this puzzle
Using a or an – Students will complete each sentence with a or an .
Reading Readiness 1 – Complete each sentence with a word from the word box then color the pictures.
Addition Drills to 18 – This set of ten five minute addition drills includes ten pages of horizontal and vertical practice with one hundred problems per page.
Healthy Foods – Preschool children will color the fruits and vegetables and mark an X on the foods that are not healthy.
Using Synonyms – Identify synonyms in sentence.
Writing a Friendly Letter Worksheet Set – This set reviews the parts of a letter. addressing an envelope. and provides a sheet for students to write a friendly letter .
Adjectives Worksheet 2 – Circle the adjectives found in each sentence.
Rounding Numbers to the Nearest Ten Packet
Story Sequencing – This is a two page worksheet in which students will read nursery rhymes then number the order of events .

News, What’s New, and What We’re Working On

Many long-time users of this site have requested standards alignment for the educational materials found on this site. You will now find over five hundred worksheets aligned to the Common Core State Standards. Each worksheet or group of worksheets which have been updated now include a brief description, recommended grade or grade range, page count, CCSS domain and/or cluster notation, and comments from users. The newly aligned worksheets are available for viewing and printing in .pdf format.

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Did you know that.
many hours and resources have been dedicated to providing you with these educational materials. The materials found on this site are available for you to print and use with your child or the students in your class. The worksheets on this site are copyrighted and are the property of tlsbooks.com. By using this site, you agree to be bound by these Terms of Use. Please do not post/display/frame any worksheets or copy entire pages of worksheet links on another web site, blog, file storage system, etc. Thank you for your consideration and continued patronage.

Explore Tlsbooks.com and find thousands of fun educational worksheets to print and share with your child or students.

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David E #experience #dui #defense #attorney, #utah #dui #law #penalties, #best #utah #dui #defense #lawyer, #utah #dui #defense #attorney, #dui #utah #lawyer, #charged #with #dui, #utah #dui #lawyer, #utah #dui #driver #license #penalties,first #offense #dui #in #utah,dui #felony #utah, #impaired #driving #vs #dui #utah, #dui #utah #license #suspension, #utah #dui #sentencing #matrix, #utah #dui #statute, #utah #dui #records, #what #is #the #legal #bac #in #most #states, #dui #arrests #in #utah


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Utah DUI Defense Attorney

Why Choose David Rosenbloom?

  • I exclusively defend DUI cases throughout Utah.
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A DUI Defense How A Utah DUI Works: Arrested for DUI? Do you feel that your life is over? Learn the Three Part Defense: Know The Three (3) Parts To Any DUI FIRST: Was There A Legal Reason To Stop You? If NO then the case can be won using the 4th

The “Hidden” DUI Law in Utah You Do Not Understand The Law Regarding Driving Under the Influence in Utah THE RULE: Actual Physical Control (APC) Of A “Vehicle” + “Impairment” = DUI VEHICLE: Means any device upon which a person may be drawn or transported

The Fourth Amendment And Suppression The Number One Way To Win Your DUI Case. If you feel you were stopped for a bogus reason, especially late at night, you may have been stopped illegally and, as a result, ALL the evidence collected by the officer – no



Consumer Loan Rates – First Tech Federal Credit Union #auto #paint #colors


#current auto loan rates
#

1 APR = Annual Percentage Rate. Actual rate will be determined based on the applicant’s credit history, primary State of residency, collateral financed, mileage and final loan terms. Stated rate based on California residency. Offer is subject to normal credit qualifications, meeting First Tech Federal Credit Union’s relationship requirements and underwriting policy guidelines. Interest rate and program terms are subject to change without notice. Additional restrictions may apply.

2 10.99% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $500. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 10.99% APR to 18.00% APR. Minimum monthly payment of 4% or $40, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

3 6.25% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $25,000. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 6.25% APR to 18.00% APR. Minimum monthly payment of 2% or $10, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

4 Annual Percentage Rate (APR) will vary with the Prime Rate as published in the Wall Street Journal.

5 Maximum Loan to Value (LTV) and Mileage Restrictions Appy: LTV is dependent upon collateral and varies based on purchase price, down payment, borrower credit history, and term. Maximum mileage is 100,000 for new and used autos. High mileage program available up to 150,000 miles for vehicles 0-5 years only with additional .50% APR.



Arizona Mortgage Lender #arizona #mortgage #lender, #arizona #primelending, #arizona #va #loan, #best #arizona #mortgage #rate, #fha #loan #arizona, #first #time #homebuyer #loan #arizona, #home #loans #in #arizona, #mortgage #arizona, #phoenix #va #loan, #tempe #mortgage, #va #loan #arizona


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Top 1% of all Loan Officers in the US
2011, 2012, 2013, 2014, 2015, 2016

For 13+ years, The HOUSE Team has helped clients find the best home loan at the best possible interest rate. Our hands on approach helps each of our clients understand the mortgage process while feeling like we are right by their side each step of the way. Now more than ever it is important to have an experienced Arizona mortgage team helping you through the home loan process. The HOUSE Team is here to do just that.

Why Choose The HOUSE Team for Your Arizona Home Loan?

  • Great mortgage interest rates and fees with no surprises at closing.
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Your team was always responsive to my emails and calls
Richard and I wanted to take a moment to express our gratitude for the work you and your staff did on our loan for the property in Youngtown, Arizona. Your bi-weekly recaps kept us up to date on the process, and your team was always responsive to my Emails and calls. Buying a home is a stressful process, and since this was a 4plex, it could have been 4 times more stressful. The process was handled smoothly, and in a very timely manner. Everyone at your office is very professional, and a pleasure… Read more

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Arizona Mortgage Market Update



First Keystone #performance #auto


#keystone auto
#

First Keystone RRG, Inc. Placed Into Liquidation
Order Commencing Liquidation Proceedings
Issued October 21, 2014

An Order Commencing Liquidation Proceedings Granting An Injunction Automatic Stay of Proceedings for First Keystone Risk Retention Group, Inc. was signed by Judge L. Casey Manning in the State of South Carolina, Richland County, Court of Common Pleas, Fifth Judicial Circuit on October 21, 2014 – C.A. No. 2014-CP-40-5987.

The Petitioner, Raymond G. Farmer, as Director of the South Carolina Department Of Insurance, and his successors in office were appointed Liquidator. Michael J. FitzGibbons of FitzGibbons and Company, Inc. was designated Special Deputy Liquidator. Please see the Notice of Legal Rights and Obligations for important information regarding the liquidation process.

All persons who may have claims against First Keystone must file a verified original Proof of Claim (POC). The DEADLINE for filing claims is 5:00 p.m. MST on February 28, 2015. For more information concerning the Proof of Claim process, please see Proof of Claim Notice and Proof of Claim Form and Instructions .

Due to the Order, First Keystone will no longer defend or pay for the defense of its insureds. Therefore, any insured in such a situation should make arrangements to employ independent counsel to defend against any legal action which would otherwise be covered under a First Keystone policy.



How To Buy Your First Car #best #auto #loan #rates


#buy a car
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Buying Your First Car

Buying your first car is a rite of passage that you’ll remember long after the car is gone. Take these steps to make sure you remember all that went right, and not the bumps in the road.

Setting a Budget

The hardest part of buying a new car is reconciling the car you’ve always dreamed of with the reality of the cost. Cars are expensive in and of themselves, and there are many fees at the time of purchase to consider—not to mention the recurring cost of car insurance. general maintenance, parking, gas, etc.

Once you understand your budget, you can start to look for cars in your price range. If you can’t afford the car you want, keep saving or keep an eye out for an older model year.

Down Payment Financing

You will need to determine how much cash you can put down when buying your first car, and how much you can afford on a monthly basis if you plan to get a loan. Interest rates favor large down payments and new cars over used cars—but regardless, your budget will be the primary driver in what you can buy.

Auto Insurance

Auto insurance is especially expensive for new drivers. If you have to pay for that yourself, be sure to get a quote from an insurance company or two before you buy the car.

Look into the possibility of being added to the policy of a current driver in your home—your parents, your spouse, etc. You may find that you’ll get a reduced rate, and your policyholder may even be eligible for bundling discounts.

Buying New vs. Used

One way to get closer to the convertible of your dreams (or other higher-end car) is to take a look at used cars. An older car with low mileage may be hard to find, but can be a great deal.

Another benefit of buying a used car, especially if you are a new driver, is that the car will likely already have a few dings and dents. If you happen to add a couple more as you become a more experienced driver, it will be less upsetting than on a brand new car.

A used car also loses less value. If you bought a used car for $5,000 tomorrow, and a month later you decided you didn’t like it, you could probably sell it for the same price—maybe even more. This is simply not the case with a new car. A new car loses significant value the moment you drive it off the lot. It’s hard to imagine a case where you could sell that car for the same amount you paid, and even harder to imagine selling it for more.

Where to Shop for Your First Car

You have plenty of options when heading out to purchase your first set of wheels:

  • Buying from a dealership.
  • Buying a used car from another private party.
  • Shopping online.

Regardless of the route you take, it’s a good idea to visit a dealership to test drive the cars you are interested in. Once you narrow down your choice, consider shopping online and getting quotes from multiple dealers to help you figure out the best deal you can negotiate for.

You can also ask to see all the fees they charge at the time of the sale. This will give you an exact figure to work with, and also allow you to compare the different dealerships’ prices. Getting quotes online is also a good way to separate the process of pricing a car from the process of getting a loan or lease.

This technique is a smart move even if you’re buying a car from another private seller—it will give you a ballpark idea of how much a dealer will charge, so you can then figure out how much you’re willing to spend for a used car WITHOUT the protections from a dealership.



Mud Trucks For Sale Celebrates First Anniversary Bridging Mud Bog Community Gap – WDAM-TV 7-News, Weather, Sports-Hattiesburg, MS #auto #swapper


#vehicles for sale
#

Mud Trucks For Sale Celebrates First Anniversary Bridging Mud Bog Community Gap – WDAM-TV 7-News, Weather, Sports-Hattiesburg, MS

Mud Trucks For Sale Celebrates First Anniversary Bridging Mud Bog Community Gap

Posted: Wednesday, November 25, 2015 7:49 AM EST Updated: Wednesday, November 25, 2015 9:51 PM EST

This article was originally distributed via SproutNews. SproutNews, WorldNow and this Site make no warranties or representations in connection therewith.

Site offers unique platform for fans and participants of rapidly growing sport to come together, publishes mudtrucksales.blogspot.com

Chicago, IL, United States of America November 25, 2015 /MarketersMedia/

With a growing following throughout North America, mud bogging holds the potential of reaching NASCAR status; in the hearts and minds of fans, this quickly rising sport and pastime has already developed such a reputation. Despite the surge in fame, few websites cater to those in this particular niche. This deficiency in media outlets for fans and participants was the reason behind the creation of the Mud Trucks For Sale website. Founder Siva Kumar has recently announced the site s one-year anniversary.

Kumar affirmed, Mud bogging fans finally have an online haven where they can purchase or sell their vehicles to other enthusiasts who love the sport. For a niche sport with millions of fans in the US and Canada, the lack of websites and blogs addressing these needs is rather sad, but our site is here to fill the gap. Our online platform has passed the consistency test, staying alive with relevant content churned out on a regular basis while linking the tight-knit mud racing community across the North American continent and providing mud trucks for sale.

Mud Bogging is an off-road sport in which mud or monster truck drivers compete by racing through a mud pit or track with the ultimate goal of reaching a destination before rivals. Those mud pits involved present obstacles, and the driver who completes the race first emerges triumphant. Alternatively, if all the drivers succeed, the one who completes the race in the least amount of time is the winner.

Mud trucks are modified pickup trucks or SUV s with extremely large tires, often 60 inches or more. These are specifically designed for driving through obstacle courses. Mud trucks also have modified suspension to accommodate the elevated heights of 4 feet or more created by larger tires.

The sport falls under regulatory bodies such as the National Mud Racing Organization and the American Mud Racing Association, both of which have developed its framework over the last four decades since its official initiation. The two organizations establish standards for the different classes of mud trucks, organize various competitions and racing exhibitions and supervise racetracks across the U.S. and Canada. They also build relationships with sponsors and fan organizations to meet their needs while generally governing the sport.

Operated by blogger Siva Kumar, http://mudtrucksales.blogspot.com/ is a one-year-old blog wholly dedicated to mud truck sales and maintenance tips. The site s singularity lies in the fact very few other websites or blogs focus on the refurbished vehicles at the heart of mud racing. Many enthusiasts have, until now, been forced to restrict their online conversations to social media, which has prevented a widespread thriving community from springing to life.

Mud Truck For Sale is designed to bring this sport to the world with its platform while offering mud trucks for sale. The blog currently lists a number of S-10 Mega Mudding trucks for sale in Georgia, a modified 1976 Jeep CJ5, a Chevy Colorado, a variety of Chevy lifted monster trucks, two K5 Blazers from 1990 in different parts of the country and a rare 1986 Suzuki Samurai altered for the sport.

Concluded Kumar, We display a large selection of mud trucks available for sale on the blog. Due to the nature of the sport, all of these are second hand vehicles recently refurbished to meet the challenges of the bog pits. Clearly, though, our site is more than just an online platform that offers mud trucks for sale; it also acts as an advertising portal for other sellers across the US and Canada and an outlet for participants and fans to come together in one place geared toward fostering their love of the sport.

About Mud Trucks For Sale:

Aimed at bridging the gap between mud bogging and media outlets designed for the community surrounding this sport, Mud Trucks For Sale is slowly becoming the meeting hub of mud truck enthusiasts around the world.

For more information about us, please visit http://mudtrucksales.blogspot.com/

Contact Info:

Name: Siva Kumar

Organization: Mud Trucks For Sale



First Keystone #nada #auto


#keystone auto
#

First Keystone RRG, Inc. Placed Into Liquidation
Order Commencing Liquidation Proceedings
Issued October 21, 2014

An Order Commencing Liquidation Proceedings Granting An Injunction Automatic Stay of Proceedings for First Keystone Risk Retention Group, Inc. was signed by Judge L. Casey Manning in the State of South Carolina, Richland County, Court of Common Pleas, Fifth Judicial Circuit on October 21, 2014 – C.A. No. 2014-CP-40-5987.

The Petitioner, Raymond G. Farmer, as Director of the South Carolina Department Of Insurance, and his successors in office were appointed Liquidator. Michael J. FitzGibbons of FitzGibbons and Company, Inc. was designated Special Deputy Liquidator. Please see the Notice of Legal Rights and Obligations for important information regarding the liquidation process.

All persons who may have claims against First Keystone must file a verified original Proof of Claim (POC). The DEADLINE for filing claims is 5:00 p.m. MST on February 28, 2015. For more information concerning the Proof of Claim process, please see Proof of Claim Notice and Proof of Claim Form and Instructions .

Due to the Order, First Keystone will no longer defend or pay for the defense of its insureds. Therefore, any insured in such a situation should make arrangements to employ independent counsel to defend against any legal action which would otherwise be covered under a First Keystone policy.



First Time Auto Buyer Program #auto #spa


#auto buyer
#

First Time Auto Buyer Program

Are you ready to buy your first car? If so, we can help with our First Time Auto Buyer Program.

This loan type is designed for those who have little to no credit and are ready to embark on the purchase of their first automobile. This loan comes with low rates, manageable terms and is an excellent way to establish a credit history.

Planning is important to prevent surprises when you buy your first car. We offer guidelines on vehicle searches and online resources, as well as our friendly loan professionals are experienced in vehicle lending and can guide you through many of your auto buying considerations.

In order to get started, please review the topics below. You will find:

  • Qualifications and Program Details
  • Lending Definitions
  • The First Time Auto Buyer Quiz .
  • When you submit the quiz, you will be directed to the Application Form .

Qualifications and Program Details:

Please note, to apply for the First Time Auto Buyer Program, you must be a PrimeSource Member (or Eligible for Membership) Click here for complete PrimeSource Eligibility guidelines.

  • Must be at least l8 years old and able to repay the loan
  • Must be employed for a minimum of one year or have a qualified co-signer
  • No more than 12 months of auto loan payment history reflected on credit report and no derogatory credit may be present
  • Minimum gross monthly income requirement is $1,000.00
  • Monthly payment to not exceed 20% of gross income, including insurance premium
  • Proof of auto insurance required
  • Maximum loan amount is $15,000.00
  • Terms up to 72 months
  • Maximum Loan to Value 95% with a minimum 5% cash down. Minimum cash down requirement is not required when a qualified co-signer is provided
  • Must complete the First Time Auto Buyer Quiz prior to applying for the First Time Auto Buyer Loan

Membership Eligibility Requirements

Subject to membership eligibility, click here for details.

PrimeSource can provide assistance with your auto buying decisions before you buy!



No Credit Car Loans for First Time Buyers #auto #loan #amortization


#no credit auto loans
#

No Credit Car Loans

Don’t let zero credit history affect your present. Get guaranteed approval on no credit auto loans even if you have low income. Low rates are a reality for no credit car buyers. Students and first time buyers need not worry about co-signing as it is not compulsory.

The one thing that every American desires is a car. Automobiles are favorites on everyone’s wish-list. But, not everyone is able to strike it off the list. For all those who want to buy a car, credit score is often considered a major requirement. Does that mean people with a zero credit score cannot get car loans?

Understanding the needs of people with no credit history, Fastautoloanapproval.com has introduced no credit auto loan program. Applicants can now easily buy the car they want-new or used with these instant loans.

Fastautoloanapproval.com is an online auto financing company that efficiently caters to the needs of borrowers with no credit. It believes that a credit score is nothing but your history and it should never affect your present. This means you no longer have to depend on no credit needed dealers.

Most college students and graduates/undergraduates face the problem of zero credit ratings. The company understands the importance of a car in student-life and that’s why; offers easy car loans to students, even if they have a zero credit history.

Most first-time car buyers avail credit for the first time and they face the same trouble of no credit history. If you are facing trouble in getting quick approval, worry no more. Fastautoloanapproval.com is here to rescue you by offering car loans without credit history.

What Factors Are Considered For Availing Car Loans without Credit?

Fast Auto Loan Approval has wide approval criteria. Don’t think that if you are weak in one aspect, approval will become difficult. The company believes in concentrating on your strong factors and in this way, it makes financing a car with zero credit very easy.

• Income

• Employment Term

• Time At Residence

• Regularity In Making Payments of Other Loans, If Any

• Down Payment Amount

• Availability of Co-Signer

• Loan To Value (LTV)

• Age of Vehicle

• Term of Loan

• Miles on Vehicle

• Total Debt to Income Including New Payment.

By looking at these factors, you can understand that a credit score isn’t and will never be the sole responsible aspect for your loan approval.

When you are applying with fastautoloanapproval.com, you don’t have to worry about the safety of your data. Your personal information is protected from identity theft so don’t be apprehensive about sharing your SSN and other private data.

The no credit car loan program is a great way of building your score. Start today by applying with us.



No. 1596: The First Automobile? #auto #finance #calculator


#auto mobile
#

Click here for audio of Episode 1596.

Today, let’s try to find the first automobile. The University of Houston’s College of Engineering presents this series about the machines that make our civilization run, and the people whose ingenuity created them.

T he automobile is one more invention that always seems to have just one more antecedent. The earliest steam-powered car we know about was finished as early as 1769 by French inventor Nicolas Cugnot. It was a large three-wheeled vehicle that moved at the speed of a walk and was meant to haul cannon. Earlier cars had been driven by springs and compressed air. Windmill-powered vehicles were made before them. Leonardo da Vinci sketched self-powered vehicles, and even Homer wrote about them.

So let’s limit our search to autos driven by internal combustion, and to ones actually built. We usually give that prize to Carl Benz. Benz championed the new internal-combustion engines, and he worked single-mindedly to create a car driven by one. He built a little three-wheeled car in 1885 and sold his first one two years later. He went into production with a four-wheeled model in 1890, and the Mercedes-Benz company is still with us.

But Benz wasn’t first. The French inventor de Rochas built an auto, and an engine to drive it, in 1862. Two years later, the Austrian Siegfried Markus began working on cars. His second one was rediscovered in 1950. It’d been bricked up behind a false wall in the cellar of a Viennese museum to hide it from the Germans. Markus was Jewish, and the Nazis had orders to destroy his car and any literature describing it. By the way, when the car was rediscovered, it could still be driven.

Markus’ story is especially poignant because, if the German Benz believed in the auto, he didn’t. In 1898, Markus was invited to be guest of honor at the Austrian Auto Club. He declined, calling the whole idea of the auto “a senseless waste of time and effort.”

The search for the earliest internal-combustion-driven auto might end in England in 1826. An engineer named Samuel Brown adapted an old Newcomen steam engine to burn gas, and he used it to power his auto up Shooter’s Hill in London. And here the whole priority question mires into hair-splitting definitions.

What we usually do in these cases is pretty arbitrary. We credit the first commercial success. That’s how Edison gets credit for the light bulb and Fulton for the steamboat. By that definition, Benz did invent the automobile.

Automotive historian James Flink notes that modern bicycles came into being just as Benz began his work, and they sparked the public demand for personal vehicles. But bicycle-makers were the same people who went on to make, first motorcycles, then airplanes. They sowed the demand and then veered off into another technology altogether. The people who took up automobiles were closer kin to the railway business. For a brief time, it looked as though the steam car might beat out internal combustion.

So, if we go back to star-crossed priority questions, we probably have to follow the thread of steam. And that leads, not to Benz, but to Cugnot, well over two centuries ago.

I’m John Lienhard, at the University of Houston, where we’re interested in the way inventive minds work.

(Theme music)

Flink, J. J. Innovation in Automotive Technology. American Scientist. Vol. 73, March/April 1985, pp. 151-161.

Derby, T. K. and Williams, T. I. A Short History of Technology. New York: Oxford University Press, 1960/1975.

This is a greatly revised version of Episode 125 .

Siegfried Markus’s second automobile

(Image courtesy of ASME)



First Education Federal Credit Union – Auto Loans #auto #mechanic #school


#auto loans with bad credit
#

Auto Loans

Before purchasing your next vehicle, get pre-approved financing by completing our fast online loan application. With pre-approved financing in hand, you can visit the dealer or private seller and shop for a new or used vehicle with confidence.

Current Rates

Loan Calculator

Second Chance Car Loans

We know that sometimes bad things happen to good people and that recovering a good credit score can take years. You’re more than a credit score at First Education. Previous bad credit doesn’t have to keep you from getting the car you need. Ask for details about our Second Chance car loans.



How To Buy Your First Car #auto #price #guide


#buy a car
#

Buying Your First Car

Buying your first car is a rite of passage that you’ll remember long after the car is gone. Take these steps to make sure you remember all that went right, and not the bumps in the road.

Setting a Budget

The hardest part of buying a new car is reconciling the car you’ve always dreamed of with the reality of the cost. Cars are expensive in and of themselves, and there are many fees at the time of purchase to consider—not to mention the recurring cost of car insurance. general maintenance, parking, gas, etc.

Once you understand your budget, you can start to look for cars in your price range. If you can’t afford the car you want, keep saving or keep an eye out for an older model year.

Down Payment Financing

You will need to determine how much cash you can put down when buying your first car, and how much you can afford on a monthly basis if you plan to get a loan. Interest rates favor large down payments and new cars over used cars—but regardless, your budget will be the primary driver in what you can buy.

Auto Insurance

Auto insurance is especially expensive for new drivers. If you have to pay for that yourself, be sure to get a quote from an insurance company or two before you buy the car.

Look into the possibility of being added to the policy of a current driver in your home—your parents, your spouse, etc. You may find that you’ll get a reduced rate, and your policyholder may even be eligible for bundling discounts.

Buying New vs. Used

One way to get closer to the convertible of your dreams (or other higher-end car) is to take a look at used cars. An older car with low mileage may be hard to find, but can be a great deal.

Another benefit of buying a used car, especially if you are a new driver, is that the car will likely already have a few dings and dents. If you happen to add a couple more as you become a more experienced driver, it will be less upsetting than on a brand new car.

A used car also loses less value. If you bought a used car for $5,000 tomorrow, and a month later you decided you didn’t like it, you could probably sell it for the same price—maybe even more. This is simply not the case with a new car. A new car loses significant value the moment you drive it off the lot. It’s hard to imagine a case where you could sell that car for the same amount you paid, and even harder to imagine selling it for more.

Where to Shop for Your First Car

You have plenty of options when heading out to purchase your first set of wheels:

  • Buying from a dealership.
  • Buying a used car from another private party.
  • Shopping online.

Regardless of the route you take, it’s a good idea to visit a dealership to test drive the cars you are interested in. Once you narrow down your choice, consider shopping online and getting quotes from multiple dealers to help you figure out the best deal you can negotiate for.

You can also ask to see all the fees they charge at the time of the sale. This will give you an exact figure to work with, and also allow you to compare the different dealerships’ prices. Getting quotes online is also a good way to separate the process of pricing a car from the process of getting a loan or lease.

This technique is a smart move even if you’re buying a car from another private seller—it will give you a ballpark idea of how much a dealer will charge, so you can then figure out how much you’re willing to spend for a used car WITHOUT the protections from a dealership.



Vehicle Loans -Apply Online at First Tech Federal Credit Union #street #side #auto


#refinance auto loan calculator
#

Fixed-rate, fixed-term loan

You’ll benefit from:

Quick and easy loan approval

  • Online loan application
  • Digital document delivery

More money in your pocket

Fixed-rate, fixed-term loan

Fixed-rate, fixed-term loan

*Account Requirements

*No minimum balance required; no monthly service charge. Available on personal accounts only. If you do not meet the monthly qualification requirements, your account will earn the non-qualified dividend rate. Qualifying transactions must post to the account prior to the last day of the month. Debit card purchases can take up to three days to post and are dependent on merchant processing times.

** To qualify for e-deposit, there are certain eligibility requirements that a member must meet. First Tech utilizes a proprietary rating system to qualify members for e-deposit. As an example, members who fit the below have a very good chance of qualifying for e-deposit. For your security, we have kept this rating system confidential requirements.

  • 18 + years of age
  • A credit union member for a minimum of 90 days
  • Actively using the credit union’s services with no negative history on their accounts
  • Enrolled in Online Banking

View the latest notice of changes in the temporary NCUA insurance coverage for transaction accounts. Learn more



First Keystone #car #auction


#keystone auto
#

First Keystone RRG, Inc. Placed Into Liquidation
Order Commencing Liquidation Proceedings
Issued October 21, 2014

An Order Commencing Liquidation Proceedings Granting An Injunction Automatic Stay of Proceedings for First Keystone Risk Retention Group, Inc. was signed by Judge L. Casey Manning in the State of South Carolina, Richland County, Court of Common Pleas, Fifth Judicial Circuit on October 21, 2014 – C.A. No. 2014-CP-40-5987.

The Petitioner, Raymond G. Farmer, as Director of the South Carolina Department Of Insurance, and his successors in office were appointed Liquidator. Michael J. FitzGibbons of FitzGibbons and Company, Inc. was designated Special Deputy Liquidator. Please see the Notice of Legal Rights and Obligations for important information regarding the liquidation process.

All persons who may have claims against First Keystone must file a verified original Proof of Claim (POC). The DEADLINE for filing claims is 5:00 p.m. MST on February 28, 2015. For more information concerning the Proof of Claim process, please see Proof of Claim Notice and Proof of Claim Form and Instructions .

Due to the Order, First Keystone will no longer defend or pay for the defense of its insureds. Therefore, any insured in such a situation should make arrangements to employ independent counsel to defend against any legal action which would otherwise be covered under a First Keystone policy.



Vehicle Loans -Apply Online at First Tech Federal Credit Union #rockcliff #auto


#refinance auto loan calculator
#

Fixed-rate, fixed-term loan

You’ll benefit from:

Quick and easy loan approval

  • Online loan application
  • Digital document delivery

More money in your pocket

Fixed-rate, fixed-term loan

Fixed-rate, fixed-term loan

*Account Requirements

*No minimum balance required; no monthly service charge. Available on personal accounts only. If you do not meet the monthly qualification requirements, your account will earn the non-qualified dividend rate. Qualifying transactions must post to the account prior to the last day of the month. Debit card purchases can take up to three days to post and are dependent on merchant processing times.

** To qualify for e-deposit, there are certain eligibility requirements that a member must meet. First Tech utilizes a proprietary rating system to qualify members for e-deposit. As an example, members who fit the below have a very good chance of qualifying for e-deposit. For your security, we have kept this rating system confidential requirements.

  • 18 + years of age
  • A credit union member for a minimum of 90 days
  • Actively using the credit union’s services with no negative history on their accounts
  • Enrolled in Online Banking

View the latest notice of changes in the temporary NCUA insurance coverage for transaction accounts. Learn more



No. 1596: The First Automobile? #auto #paint #color #chart


#auto mobile
#

Click here for audio of Episode 1596.

Today, let’s try to find the first automobile. The University of Houston’s College of Engineering presents this series about the machines that make our civilization run, and the people whose ingenuity created them.

T he automobile is one more invention that always seems to have just one more antecedent. The earliest steam-powered car we know about was finished as early as 1769 by French inventor Nicolas Cugnot. It was a large three-wheeled vehicle that moved at the speed of a walk and was meant to haul cannon. Earlier cars had been driven by springs and compressed air. Windmill-powered vehicles were made before them. Leonardo da Vinci sketched self-powered vehicles, and even Homer wrote about them.

So let’s limit our search to autos driven by internal combustion, and to ones actually built. We usually give that prize to Carl Benz. Benz championed the new internal-combustion engines, and he worked single-mindedly to create a car driven by one. He built a little three-wheeled car in 1885 and sold his first one two years later. He went into production with a four-wheeled model in 1890, and the Mercedes-Benz company is still with us.

But Benz wasn’t first. The French inventor de Rochas built an auto, and an engine to drive it, in 1862. Two years later, the Austrian Siegfried Markus began working on cars. His second one was rediscovered in 1950. It’d been bricked up behind a false wall in the cellar of a Viennese museum to hide it from the Germans. Markus was Jewish, and the Nazis had orders to destroy his car and any literature describing it. By the way, when the car was rediscovered, it could still be driven.

Markus’ story is especially poignant because, if the German Benz believed in the auto, he didn’t. In 1898, Markus was invited to be guest of honor at the Austrian Auto Club. He declined, calling the whole idea of the auto “a senseless waste of time and effort.”

The search for the earliest internal-combustion-driven auto might end in England in 1826. An engineer named Samuel Brown adapted an old Newcomen steam engine to burn gas, and he used it to power his auto up Shooter’s Hill in London. And here the whole priority question mires into hair-splitting definitions.

What we usually do in these cases is pretty arbitrary. We credit the first commercial success. That’s how Edison gets credit for the light bulb and Fulton for the steamboat. By that definition, Benz did invent the automobile.

Automotive historian James Flink notes that modern bicycles came into being just as Benz began his work, and they sparked the public demand for personal vehicles. But bicycle-makers were the same people who went on to make, first motorcycles, then airplanes. They sowed the demand and then veered off into another technology altogether. The people who took up automobiles were closer kin to the railway business. For a brief time, it looked as though the steam car might beat out internal combustion.

So, if we go back to star-crossed priority questions, we probably have to follow the thread of steam. And that leads, not to Benz, but to Cugnot, well over two centuries ago.

I’m John Lienhard, at the University of Houston, where we’re interested in the way inventive minds work.

(Theme music)

Flink, J. J. Innovation in Automotive Technology. American Scientist. Vol. 73, March/April 1985, pp. 151-161.

Derby, T. K. and Williams, T. I. A Short History of Technology. New York: Oxford University Press, 1960/1975.

This is a greatly revised version of Episode 125 .

Siegfried Markus’s second automobile

(Image courtesy of ASME)



Consumer Loan Rates – First Tech Federal Credit Union #auto #transporters


#current auto loan rates
#

1 APR = Annual Percentage Rate. Actual rate will be determined based on the applicant’s credit history, primary State of residency, collateral financed, mileage and final loan terms. Stated rate based on California residency. Offer is subject to normal credit qualifications, meeting First Tech Federal Credit Union’s relationship requirements and underwriting policy guidelines. Interest rate and program terms are subject to change without notice. Additional restrictions may apply.

2 10.99% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $500. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 10.99% APR to 18.00% APR. Minimum monthly payment of 4% or $40, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

3 6.25% variable Annual Percentage Rate (APR) is available with a credit limit equal to or greater than $25,000. The APR will vary with Prime Rate as published in the Wall Street Journal. As of 12.1.14, the variable rate for line of credit is 6.25% APR to 18.00% APR. Minimum monthly payment of 2% or $10, whichever is greater. Offer is subject to normal credit qualifications. Additional restrictions may apply.

4 Annual Percentage Rate (APR) will vary with the Prime Rate as published in the Wall Street Journal.

5 Maximum Loan to Value (LTV) and Mileage Restrictions Appy: LTV is dependent upon collateral and varies based on purchase price, down payment, borrower credit history, and term. Maximum mileage is 100,000 for new and used autos. High mileage program available up to 150,000 miles for vehicles 0-5 years only with additional .50% APR.



First Time Auto Buyer Program


#auto buyer
#

First Time Auto Buyer Program

Are you ready to buy your first car? If so, we can help with our First Time Auto Buyer Program.

This loan type is designed for those who have little to no credit and are ready to embark on the purchase of their first automobile. This loan comes with low rates, manageable terms and is an excellent way to establish a credit history.

Planning is important to prevent surprises when you buy your first car. We offer guidelines on vehicle searches and online resources, as well as our friendly loan professionals are experienced in vehicle lending and can guide you through many of your auto buying considerations.

In order to get started, please review the topics below. You will find:

  • Qualifications and Program Details
  • Lending Definitions
  • The First Time Auto Buyer Quiz .
  • When you submit the quiz, you will be directed to the Application Form .

Qualifications and Program Details:

Please note, to apply for the First Time Auto Buyer Program, you must be a PrimeSource Member (or Eligible for Membership) Click here for complete PrimeSource Eligibility guidelines.

  • Must be at least l8 years old and able to repay the loan
  • Must be employed for a minimum of one year or have a qualified co-signer
  • No more than 12 months of auto loan payment history reflected on credit report and no derogatory credit may be present
  • Minimum gross monthly income requirement is $1,000.00
  • Monthly payment to not exceed 20% of gross income, including insurance premium
  • Proof of auto insurance required
  • Maximum loan amount is $15,000.00
  • Terms up to 72 months
  • Maximum Loan to Value 95% with a minimum 5% cash down. Minimum cash down requirement is not required when a qualified co-signer is provided
  • Must complete the First Time Auto Buyer Quiz prior to applying for the First Time Auto Buyer Loan

Membership Eligibility Requirements

Subject to membership eligibility, click here for details.

PrimeSource can provide assistance with your auto buying decisions before you buy!



How To Buy Your First Car


#buy a car
#

Buying Your First Car

Buying your first car is a rite of passage that you’ll remember long after the car is gone. Take these steps to make sure you remember all that went right, and not the bumps in the road.

Setting a Budget

The hardest part of buying a new car is reconciling the car you’ve always dreamed of with the reality of the cost. Cars are expensive in and of themselves, and there are many fees at the time of purchase to consider—not to mention the recurring cost of car insurance. general maintenance, parking, gas, etc.

Once you understand your budget, you can start to look for cars in your price range. If you can’t afford the car you want, keep saving or keep an eye out for an older model year.

Down Payment Financing

You will need to determine how much cash you can put down when buying your first car, and how much you can afford on a monthly basis if you plan to get a loan. Interest rates favor large down payments and new cars over used cars—but regardless, your budget will be the primary driver in what you can buy.

Auto Insurance

Auto insurance is especially expensive for new drivers. If you have to pay for that yourself, be sure to get a quote from an insurance company or two before you buy the car.

Look into the possibility of being added to the policy of a current driver in your home—your parents, your spouse, etc. You may find that you’ll get a reduced rate, and your policyholder may even be eligible for bundling discounts.

Buying New vs. Used

One way to get closer to the convertible of your dreams (or other higher-end car) is to take a look at used cars. An older car with low mileage may be hard to find, but can be a great deal.

Another benefit of buying a used car, especially if you are a new driver, is that the car will likely already have a few dings and dents. If you happen to add a couple more as you become a more experienced driver, it will be less upsetting than on a brand new car.

A used car also loses less value. If you bought a used car for $5,000 tomorrow, and a month later you decided you didn’t like it, you could probably sell it for the same price—maybe even more. This is simply not the case with a new car. A new car loses significant value the moment you drive it off the lot. It’s hard to imagine a case where you could sell that car for the same amount you paid, and even harder to imagine selling it for more.

Where to Shop for Your First Car

You have plenty of options when heading out to purchase your first set of wheels:

  • Buying from a dealership.
  • Buying a used car from another private party.
  • Shopping online.

Regardless of the route you take, it’s a good idea to visit a dealership to test drive the cars you are interested in. Once you narrow down your choice, consider shopping online and getting quotes from multiple dealers to help you figure out the best deal you can negotiate for.

You can also ask to see all the fees they charge at the time of the sale. This will give you an exact figure to work with, and also allow you to compare the different dealerships’ prices. Getting quotes online is also a good way to separate the process of pricing a car from the process of getting a loan or lease.

This technique is a smart move even if you’re buying a car from another private seller—it will give you a ballpark idea of how much a dealer will charge, so you can then figure out how much you’re willing to spend for a used car WITHOUT the protections from a dealership.



No. 1596: The First Automobile?


#auto mobile
#

Click here for audio of Episode 1596.

Today, let’s try to find the first automobile. The University of Houston’s College of Engineering presents this series about the machines that make our civilization run, and the people whose ingenuity created them.

T he automobile is one more invention that always seems to have just one more antecedent. The earliest steam-powered car we know about was finished as early as 1769 by French inventor Nicolas Cugnot. It was a large three-wheeled vehicle that moved at the speed of a walk and was meant to haul cannon. Earlier cars had been driven by springs and compressed air. Windmill-powered vehicles were made before them. Leonardo da Vinci sketched self-powered vehicles, and even Homer wrote about them.

So let’s limit our search to autos driven by internal combustion, and to ones actually built. We usually give that prize to Carl Benz. Benz championed the new internal-combustion engines, and he worked single-mindedly to create a car driven by one. He built a little three-wheeled car in 1885 and sold his first one two years later. He went into production with a four-wheeled model in 1890, and the Mercedes-Benz company is still with us.

But Benz wasn’t first. The French inventor de Rochas built an auto, and an engine to drive it, in 1862. Two years later, the Austrian Siegfried Markus began working on cars. His second one was rediscovered in 1950. It’d been bricked up behind a false wall in the cellar of a Viennese museum to hide it from the Germans. Markus was Jewish, and the Nazis had orders to destroy his car and any literature describing it. By the way, when the car was rediscovered, it could still be driven.

Markus’ story is especially poignant because, if the German Benz believed in the auto, he didn’t. In 1898, Markus was invited to be guest of honor at the Austrian Auto Club. He declined, calling the whole idea of the auto “a senseless waste of time and effort.”

The search for the earliest internal-combustion-driven auto might end in England in 1826. An engineer named Samuel Brown adapted an old Newcomen steam engine to burn gas, and he used it to power his auto up Shooter’s Hill in London. And here the whole priority question mires into hair-splitting definitions.

What we usually do in these cases is pretty arbitrary. We credit the first commercial success. That’s how Edison gets credit for the light bulb and Fulton for the steamboat. By that definition, Benz did invent the automobile.

Automotive historian James Flink notes that modern bicycles came into being just as Benz began his work, and they sparked the public demand for personal vehicles. But bicycle-makers were the same people who went on to make, first motorcycles, then airplanes. They sowed the demand and then veered off into another technology altogether. The people who took up automobiles were closer kin to the railway business. For a brief time, it looked as though the steam car might beat out internal combustion.

So, if we go back to star-crossed priority questions, we probably have to follow the thread of steam. And that leads, not to Benz, but to Cugnot, well over two centuries ago.

I’m John Lienhard, at the University of Houston, where we’re interested in the way inventive minds work.

(Theme music)

Flink, J. J. Innovation in Automotive Technology. American Scientist. Vol. 73, March/April 1985, pp. 151-161.

Derby, T. K. and Williams, T. I. A Short History of Technology. New York: Oxford University Press, 1960/1975.

This is a greatly revised version of Episode 125 .

Siegfried Markus’s second automobile

(Image courtesy of ASME)