How to Book a Flight Online? / Video

How to Book a Flight Online, REMMONT.COM


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How to Book a Flight Online


How to Book a Flight Online, NEF2.COM


How to Book a Flight Online

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How To Setup Your Own Hosting Business? @ Video

How To Setup Your Own Hosting Business, REMMONT.COM


#How #To #Setup #Your #Own #Hosting #Business

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How To Setup Your Own Hosting Business


How To Setup Your Own Hosting Business, NEF6.COM


How To Setup Your Own Hosting Business

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How To Get a Debt Consolidation Loan? ) Video

How To Get a Debt Consolidation Loan, NEF2.COM


#How #To #Get #a #Debt #Consolidation #Loan

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How To Get a Debt Consolidation Loan


How To Get a Debt Consolidation Loan, NEF2.COM


How To Get a Debt Consolidation Loan

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How to Create a Plan to Pay Off Debt. ( Video

How to Create a Plan to Pay Off Debt, NEF6.COM


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How to Create a Plan to Pay Off Debt


How to Create a Plan to Pay Off Debt, REMMONT.COM


How to Create a Plan to Pay Off Debt

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How To Choose A Mortgage Lender When Buying a Home! ( Video

How To Choose A Mortgage Lender When Buying a Home, REMMONT.COM


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How To Choose A Mortgage Lender When Buying a Home


How To Choose A Mortgage Lender When Buying a Home, NEF2.COM


How To Choose A Mortgage Lender When Buying a Home

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How to Pack a Small Moving Truck By Rescue Movers! ~ Video

How to Pack a Small Moving Truck By Rescue Movers, REMMONT.COM


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How to Pack a Small Moving Truck By Rescue Movers


How to Pack a Small Moving Truck By Rescue Movers, NEF6.COM


How to Pack a Small Moving Truck By Rescue Movers

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How To Find Cheap Flights to London UK United Kingdom | England Cheap Flight Tickets? ( Video

How To Find Cheap Flights to London UK United Kingdom | England Cheap Flight Tickets, REMMONT.COM


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How To Find Cheap Flights to London UK United Kingdom | England Cheap Flight Tickets


How To Find Cheap Flights to London UK United Kingdom | England Cheap Flight Tickets, NEF2.COM


How To Find Cheap Flights to London UK United Kingdom | England Cheap Flight Tickets

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How to Disable & Turn off Bing Home Page Image

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How to Disable & Turn off Bing Home Page Image, NEF2.COM

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Microsoft new search engine Bing.com is steadily becoming popular and more and more users have started using bing to search. If you have visited bing.com then probably you will be knowing bing Bing Home Page provides stunning Images which changes daily and are with Hotspots which gives interesting info about the image.

Bing Home page images are definitely refreshing but many users with slow internet connection may wish to turn off or disable Bing images so that they can save some bandwidth. For those users here is trick to disable Bing Home Page Image.

How to Disable/Turn off Bing Home Page Image

1. Go to Bing.com and click on help link present at bottom right corner

2. Scroll down Explore the rich homepage and you will find following links

3. Click on Give me the plain background to access bing home page without image

Or you can bookmark following link to access Bing without Image.

My pc has been slower ever since i tried to do a internet expl.8 upgrade, i did a system restore and my pc IE is back to what it was but guess what dint go away. BING! Grr its still making my start up slower and i cant seem to turn the damn thing off! If anyone knows how to disable bing please tell me.

Reading all the posts on this page is incredible to me how can this be true? Now I don t feel alone as I can t stand BING and the way its questions only have options where YOU MUST SELECT I don t care if it were the best program ever it needs an OFF button I d be glad to sign up on lawsuit I see alot of these comments are listed as a year old HAS THE NIGHTMARE BEEN ALLOWED TO CONTINUE? WHERE ARE WE DARK CITY .

and if you search on disable bing you get sent to a bing-like message where it appears to help you but in effect you just shut down some the bing visuals NOT BING ITSELF I m even more convinced we re in Dark City

i want to disable bing

my employer doesn t allow us to use facebook

I like the old my msn tool bar, I ve been fighting mircrosoft updates from installing the bing bar, and other apps that I m not interested in. I bought a Dell a year ago, the sales person said it didn t have pre installed programs, I had to do that myself. Well ok What bothers me is how underhanded microsoft and dell has been with windows 7. I installed programs, now windows updates are literally overtaking my computer. installing what they want I feel like I m playing war games with MS and Dell. Bing is on my computer, I m ok with that, but I don t want the Bing Tool Bar, and other apps Microsoft keeps instsalling. Defaults should belong the computer owner. MSN is my home page, my choice I m not interested in playing search engine war, nor am I interested in feeling like i m in a communist country where I have lost choice.

i don t want bing as my home page

http://pulse.yahoo.com/_VBUHYOGWP77XPVWD6JBE4YYUOM THE HAMMER

internet explorer has a search bar (BING) in windows 7 NO ITS NOT IN ADD/REMOVE PROGRAMS how to get rid of it?
all ive found is posts with people that downloaded and installed the stupid tool bars 🙁

I would like to disable bing forever. Turn this off! The neighbors are free riding. To many connections not as secure as window once was.

I want to be RID OF BING, and allow Google to be my browser I have tried over, and over, and Bing keeps creeping back in .

onthebay3. Well done this is the answer. There may be a case for Microsoft to answer in court for all the inconvenience caused by the bing MSN unsolicited download with their explorer 8 search engine. You get this even if you choose custom install. I suggest anyone reading this check the legal position and if they find they have a case sue these people and stop them from ruining other people s lives with unsolicited material that you have to fight to remove!

I want bing off the bottom right of my screen for address have tryed everything,it pop up everytime i turn my computer on it is very annoying

Doesn t everyone sbrowser have an option to add or change a home page? What s the big deal? Look for the house icon and then select the option to change the homepage when you re at a page you d rather use like Google or Yahoo or Facebook, etc. Or am I missing something?

Suddenly Bing and the Whitesmoke toolbar showed up on my computer. It is now much slower almost inoperable why? I didn t ask for this and I am spending too much time trying to get rid of Bing. My computer is old, says low memory, although I don t know why, and I just wanted to plod on through for awhile. This should be illegal. No one asked if I wanted Bing and I don t. I saw on tv there is an ad where people are asked which service provider is better and they are surprised it is Bing. No, it isn t better. It is HELLLLLLLLL having it on my computer and I resent the intrusion feel it is a total violation. Why are so many having problems and where is one place to go to complain ie a government agency, perhaps, in Canada. How did Bing come to be on my computer and how did they get the right to violate, infiltrate, inconvenience, and more so many people s computers. It is horrifying to think such a terrible search engine can be allowed to be thrust upon so many.

I just got Bing and it is now February 2013. I want it OFF my computer.

I hate big, I love google better. when i do search for school, big cant find the information i looking for it but i find it right away fro Google, I need help changing my homepage to Google, i try to do it bot bing wont let me

you can open a class action lawsuit there is a website caled class action law suit


Stopping an Amazon RDS DB Instance Temporarily – Amazon Relational Database Service, how to stop db.

#How #to #stop #db


Stopping an Amazon RDS DB Instance Temporarily - Amazon Relational Database Service, how to stop db., REMMONT.COM

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Stopping an Amazon RDS DB Instance Temporarily

If you use a DB instance intermittently, for temporary testing, or for a daily development activity, you can stop your Amazon RDS DB instance temporarily to save money. While your DB instance is stopped, you are charged for provisioned storage (including Provisioned IOPS) and backup storage (including manual snapshots and automated backups within your specified retention window), but not for DB instance hours. For more information, see Billing FAQs.

You can stop and start DB instances that are running the following engines: MariaDB, Microsoft SQL Server, MySQL, Oracle, and PostgreSQL. Stopping and starting a DB instance is supported for all DB instance classes, and in all AWS Regions.

When you stop a DB instance, the DB instance performs a normal shutdown and stops running. The status of the DB instance changes to stopping and then stopped . Any storage volumes remain attached to the DB instance, and their data is kept. Any data stored in the RAM of the DB instance is deleted. Amazon RDS automatically backs up a stopped DB instance.

You can stop a DB instance for up to seven days. If you do not manually start your DB instance after seven days, your DB instance is automatically started.

Benefits

Stopping and starting a DB instance is faster than creating a DB snapshot, and then restoring the snapshot.

When you stop a DB instance it retains its ID, Domain Name Server (DNS) endpoint, parameter group, security group, and option group. When you start a DB instance, it has the same configuration as when you stopped it. In addition, if you stop a DB instance, Amazon RDS retains the Amazon Simple Storage Service (Amazon S3) transaction logs so you can do a point-in-time restore if necessary.

Limitations

The following are some limitations to stopping and starting a DB instance:

You can’t stop a DB instance that has a Read Replica, or that is a Read Replica.

You can’t stop a DB instance that is in a Multi-AZ deployment.

You can’t stop a DB instance that uses Microsoft SQL Server Mirroring.

You can’t modify a stopped DB instance.

You can’t delete an option group that is associated with a stopped DB instance.

You can’t delete a DB parameter group that is associated with a stopped DB instance.

Option and Parameter Group Considerations

You can’t remove persistent options (including permanent options) from an option group if there are DB instances associated with that option group. This functionality is also true of any DB instance with a state of stopping , stopped , or starting .

You can change the option group or DB parameter group that is associated with a stopped DB instance, but the change does not occur until the next time you start the DB instance. If you chose to apply changes immediately, the change occurs when you start the DB instance. Otherwise the changes occurs during the next maintenance window after you start the DB instance.

VPC Considerations

When you stop a DB instance it retains its DNS endpoint. If you stop a DB instance that is not in an Amazon Virtual Private Cloud (Amazon VPC), Amazon RDS releases the IP addresses of the DB instance. If you stop a DB instance that is in a VPC, the DB instance retains its IP addresses.

You should always connect to a DB instance using the DNS endpoint, not the IP address.

AWS Management Console

To stop a DB instance

Sign in to the AWS Management Console and open the Amazon RDS console at https://console.aws.amazon.com/rds/.

In the navigation pane, choose DB Instances, and then select the DB instance that you want to modify.

Choose Instance Actions, and then choose Stop.

To stop a DB instance by using the AWS CLI, call the stop-db-instance command with the following parameters:

–db-instance-identifier – the name of the db instance.

To stop a DB instance by using the Amazon RDS API, call the StopDBInstance action with the following parameters:

DBInstanceIdentifier – the name of the db instance.


How to Become a Certified Medical Assistant (CMA)

#how #to #become #a #certified #medical #assistant,medical #assistant #certification,certified #medical #assistant


How to Become a Certified Medical Assistant (CMA), REMMONT.COM

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How to Become a Certified Medical Assistant

Why research how to become a certified medical assistant. Because it’s good career sense. According to the U.S. Bureau of Labor Statistics, certified medical assistants will have better employment opportunities in the future than that of their non-certified counterparts. Your medical assistant certification tells employers that you meet all of the professional requirements for medical assisting and that they can hire you with complete confidence.

The most well-known medical assistant certification comes from the American Association of Medical Assistants (AAMA). This is the Certified Medical Assistant (CMA) designation.

Getting Started on Becoming a Certified Medical Assistant (CMA)

Here are the steps to learning how to become a Certified Medical Assistant:

1. Medical Assistant Training

Your first step in figuring out how to become a Certified Medical Assistant is to go to an accredited medical assistant school and receiving formal training in medical assisting. This will take anywhere from 9 months to 2 years, depending on whether you enroll in a medical assistant certificate program. diploma program. or a degree program. It is important that the school be accredited by the Commission on Accreditation of Allied Health Education Programs (CAAHEP) or by the Accrediting Bureau of Health Education Schools (ABHES).

It is also required that you complete an externship as part of the program, since real-world work experience is needed for certification.

2. Apply for AAMA Certification

Applying for certification is probably the simplest step, as the application form can be downloaded from the AAMA website .

Your CMA application must be mailed around three and a half months before your planned testing date, and the application fee is $125 for graduates of training programs accredited by CAAHEP or ABHES. Graduates of programs not accredited by CAAHEP or ABHES pay $250.

3. Prepare for the Certification Exam

The AAMA administers a medical assistant certification test as part of the certification process. As of April of 2009, you can take this certification exam throughout the year.

But before you take this examination, you must study. The certification exam covers a wide variety of subjects that include lab procedures, medical terminology, anatomy, and physiology, and the best way to pass it is to take advantage of the study resources provided by the AAMA.

To prepare for the certification exam, the AAMA recommends that you:

  • Obtain and review medical assisting journals
  • Study content outlines
  • Take an exam review course
  • Take practice exams

The AAMA provides these and other resources to help you to pass the certification exam on their website. Exam review courses can be found by requesting information from medical assistant schools. See more information on the medical assistant certification test itself.

4. Becoming Certified

After you have passed the certification exam, the AAMA will send your certification card in the mail. Congratulations, you have officially figured out how to become a certified medical assistant!

Why is Becoming Certified Important?

Becoming a Certified Medical Assistant (CMA) demonstrates to employers and to the general dental and medical communities that you have the requisite training, knowledge, and skills that you need to become a medical assistant. Taking this step is an advantage in the job market not only for the expertise it represents, but also because many employers only hire Certified Medical Assistants.

Find out more about medical assisting by examining a general medical assistant job description or exploring medical assistant training options.


HOW MUCH DOES MY BMW COST PER MONTH??! ( Video

#HOW #MUCH #DOES #MY #BMW #COST #PER #MONTH??

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Cheap Car Insurance, how to get cheap auto insurance.

#How #to #get #cheap #auto #insurance


Getting cheap rates on auto insurance

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side ® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide ® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.




Car Insurance Online, 21st Century Car Insurance, how to buy car insurance online.

#How #to #buy #car #insurance #online


What You Need to Know About Getting

An Online Auto Insurance Quote

How to buy car insurance online

Article Highlights

Determine your car insurance needs and requirements

Check for discounts when you buy auto insurance online

Make sure you have sufficient coverage

Getting an online auto insurance quote from 21st.com will help you save time and energy. While the process is simple, there is some essential knowledge that will ensure you get the best coverage for your money.

Determine Your Insurance Needs Before You Buy Car Insurance Online

Establish a definitive list of your auto insurance needs before getting an online auto insurance quote. There are two separate aspects to this list – the legal requirements of your state and your own coverage needs.

First, determine exactly what your state s minimum coverage requirements are. Each state is different, so make sure you thoroughly research what you need. This is your auto insurance coverage ground level and you can work up to build a policy that perfectly fits your needs.

The rest is based on your assets, driving record, and comfort.

The amount of coverage you want covered for bodily injury and property damage liability insurance is something to carefully consider. Given today s medical and repair or replacement costs, you want to make sure that you are prepared with adequate protection. It is highly suggested that you purchase enough coverage to insure your own financial security in case of an accident.

Next, checking into your driving record can unveil a wealth of information. This may help you understand why you are paying your current price for auto insurance. Perhaps there is a speeding ticket from a few years back or a small fender-bender that you will need to take into account during the insurance quote process.

Finally, there is your comfort level. Consider extra coverage if you have a newer vehicle, are nervous about losing your car for a week or two and not having extra money for a rental, or simply want to make sure that potential repair bills will be covered. This is the portion you have the most control over – do you want to pay more for peace of mind or save some extra cash on a lower deductible? With a little thought on this point you will know the answer.

How to buy car insurance online

Check for discounts when you quote auto insurance online

Make sure to check on what discounts may be available to you prior to buying auto insurance online 21st Century Insurance offers competitive discounts, including a discount for good students and buying a vehicle with safety features like airbags and Anti Lock Brakes (ABS). A little due diligence could uncover cost-savings.

Keep Consistent Coverage when you buy car insurance online

If you are switching auto insurance companies, be especially careful to avoid gaps in coverage. If your current insurance policy expires and your new one has a few days before going into effect, you could be left without coverage. This is not only unsafe, but may be illegal.

To ensure this situation doesn’t happen to you, wait until your new policy goes into effect prior to canceling your old one (if changing mid-policy). If you are changing at the end of your current policy, work closely with a 21st Century representative to ensure that your policy will keep you covered.

Also, when canceling mid-policy, be sure to get confirmation of the termination in writing from your current insurance provider. You will have proof if there are any issues in receiving refunds of an unused premium, just in case.

21st Century is Here To Help

Remember that 21st Century has representatives on hand to help with any questions or issues that may arise and provide you with an online auto insurance quote.




How To Create Unlimited Leads for Life Insurance Agents? ) Video

#How #To #Create #Unlimited #Leads #for #Life #Insurance #Agents

How To Create Unlimited Leads for Life Insurance Agents, NEF2.COM


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How To Create Unlimited Leads for Life Insurance Agents


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How to get insurance work. $ Video

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How Much Does an Average Life Insurance Agent Earn in Salary, how do life insurance companies make money.

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How Much Does an Average Life Insurance Agent Earn in Salary?

How do life insurance companies make money

Life insurance is a well-paying career.

Related Articles

  • 1 [Independent Insurance Agent Make] | How Much Money Does an Independent Insurance Agent Make?
  • 2 [Insurance Salesman Make] | How Much Money Can an Insurance Salesman Make?
  • 3 [Insurance Broker] | How Much Does an Insurance Broker Earn?
  • 4 [Starting Salaries] | The Starting Salaries for Insurance Agents

A long recession always claims jobs, but it creates them in some of the unlikeliest places, such as insurance. Life insurance is currently experiencing something of a renaissance, and for those looking for a career opportunity with the promise of good working conditions and great pay, it can be a lucrative option.

Paying for Peace of Mind

Whether it’s a term life policy, a whole life policy, or an annuity, when it comes to life insurance, people are willing to pay for peace of mind. For life insurance agents, this means earning a median annual wage that’s well above the national average. The Bureau of Labor Statistics figured the annual wage of insurance agents — life insurance agents included — at just over $46,000 in 2010. That’s more than $10,000 over the national average wage as reported by BLS.

Salary Myth

The operative word when discussing life insurance agents’ pay, however, is wage rather than salary. That $46,000 annual wage is an average figured from three different types of pay. Many independent agents are paid by commission only. Employees of an agency or an insurance carrier may be paid by salary only, salary plus commission, or salary plus bonus. Selling more than one type of product means reaching a wider audience, a fact that’s not lost on those working in the insurance business. Very few agents sell only one type of insurance; for those selling life insurance, several financial products are offered.

Working Your Way Up

For life insurance agents, to get paid they must get new clients. Getting new clients, in turn, means establishing a reputation in the business. Those two obstacles can be daunting, keeping fledgling agents from reaching sales goals and continuing in the career. Many beginning agents don’t meet their income goals through commissions and eventually transfer to other careers, says the BLS. The good news is, this means most insurance companies often have job openings. The bad news is, new hires not only have to compete with established agents, but also with securities brokers, banks and financial planners who also sell life insurance.

Subtract the Benefits

Selling insurance often gives you the opportunity to be your own boss, operating as an independent agent, offering policies through several different insurers. The trade off, however, comes at a price, literally — working independently means going it alone when it comes to renting or buying office space.,Though insurance agents understandably have a leg up where insurance benefits are concerned, other costs can rack up, and subtract from the bottom line.




How Much Does Car Insurance Cost? Get Price Estimates, Trusted Choice, how much is auto insurance.

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Car Insurance Cost

How much does car insurance cost? The price of car insurance depends on many factors, including your age and experience as a driver, your credit record and whether you are married and own a home. However, you can still get an idea of the average car insurance rates you can expect to pay.

To get a free auto insurance quote, simply find an agent in the Trusted Choice В® network. Your agent can help you get accurate, no-obligation quotes and find any discounts for which you may qualify.

Research average cost, then contact an independent agent for an accurate quote.

Disclaimer: the figures above should not be viewed as reliable auto insurance estimates. Rather, this information should provide a rough starting point for getting information.

Factors that Impact Typical Auto Insurance Rates

Monthly auto insurance premiums can range from less than $50 to hundreds of dollars. The average car insurance payment you might expect to pay will be based on your age, where you live, your driving history, the kind of car you drive, the number of cars and drivers in your household, and more.

Regional Differences in Car Insurance Estimates

Different regions can have very different average auto rates. Insurance companies have higher premiums in states and regions that have more risks, for example. The regional factors that impact typical auto insurance rates include:

  1. Location, location, location Where you live, drive and work all influence auto insurance rates. If you live or work in an area with high rates of accidents or crime, the odds are greater that you will be in a wreck or be the victim of vandalism or theft. Auto insurance companies may also take into consideration the cost of medical treatment in the areas where you spend most of your time. For a variety of reasons, car insurance rates can vary widely by state and even by ZIP code.

  • The roads most-traveled The roadways you use to get to and from home are also important factors in your auto insurance rates. The regional statistics on traffic accidents in your area, as well as whether you drive in an urban or rural zone may impact your auto insurance premiums.

  • Climate and natural disasters In regions where there are increased natural hazards, such as blizzards and hurricanes, there is a greater risk of damage to your property. There are also more dangers when you are driving: in some states, icy roads or strong snowstorms create slick highways. Although you can practice being a safe driver in these conditions, other drivers on the road may not be so cautious.

    Minimum Auto Liability Insurance by State

    If you have just started investigating car insurance rates, you may be wondering if the minimum liability required in your state is enough. The answer is typically no – the state minimum liability will often not be sufficient to cover losses and potential liability claims.

    Your next question may be, “what happens if your insurance is not enough to cover a loss?” And the answer to that question is that it must typically come out of your pocket.

    The minimum coverage car insurance requirements are provided below, by state. The first number indicates bodily injury liability per person, the second is the bodily injury liability limit per accident, and the third number is the total coverage amount for property damage, in thousands.

    Let’s look at Indiana as an example. If you are responsible for an accident in Indiana that destroys a car and sends three people to the hospital, your available insurance will cover the first two people who file a claim, up to a total of $25,000 in medical payments and liability costs, and up to $10,000 in property damage costs. Those totals will very likely fall short of the medical payments, legal defense fees and property damage costs associated with the accident.

    Look up the minimum liability requirements for your state.


  • Wind Energy, Wind Power, Wind Farm and Wind Turbine

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    Wind Energy

    Modern wind turbines tower above one of their ancestors-an old windmill used for pumping water. Credit: Warren Gretz

    We have been harnessing the wind’s energy for hundreds of years. From old Holland to farms in the United States, windmills have been used for pumping water or grinding grain. Today, the windmill’s modern equivalent – a wind turbine – can use the wind’s energy to generate electricity.

    Wind turbines, like windmills, are mounted on a tower to capture the most energy. At 100 feet (30 meters) or more aboveground, they can take advantage of the faster and less turbulent wind. Turbines catch the wind’s energy with their propeller-like blades. Usually, two or three blades are mounted on a shaft to form a rotor.

    A blade acts much like an airplane wing. When the wind blows, a pocket of low-pressure air forms on the downwind side of the blade. The low-pressure air pocket then pulls the blade toward it, causing the rotor to turn. This is called lift. The force of the lift is actually much stronger than the wind’s force against the front side of the blade, which is called drag. The combination of lift and drag causes the rotor to spin like a propeller, and the turning shaft spins a generator to make electricity.

    Wind turbines can be used as stand-alone applications, or they can be connected to a utility power grid or even combined with a photovoltaic (solar cell) system. For utility-scale sources of wind energy, a large number of wind turbines are usually built close together to form awind plant. Several electricity providers today use wind plants to supply power to their customers.

    Stand-alone wind turbines are typically used for water pumping or communications. However, homeowners, farmers, and ranchers in windy areas can also use wind turbines as a way to cut their electric bills.

    Small wind systems also have potential as distributed energy resources. Distributed energy resources refer to a variety of small, modular power-generating technologies that can be combined to improve the operation of the electricity delivery system.

    Wind Power News Information:

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    Online Directory, how to be an interior designer.

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    Mutual fund group aims for fee transparency with ‘clean shares’ – San Francisco Chronicle, how to sell mutual fund shares.

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    Biz & Tech

    March 24, 2017 Updated: March 24, 2017 6:18pm

    How to sell mutual fund shares

    It might sound ironic, but a giant mutual fund group hopes to reduce the confusion created by having many versions of the same fund by launching yet another version, called clean shares.

    Like most fund managers that sell through brokers and advisers, American Funds has multiple categories of shares for each fund it manages. Each category, called a share class, has the same underlying investments, but different commissions and annual fees depending on how they are sold.

    American has 19 count em different classes. It hopes the newest class will eventually replace the others by making it easier for investors to understand how much they are paying American for investment management and what they are paying the broker or adviser who recommended the fund. It s much more simple and transparent, said Matthew O Connor, American s director of North American distribution.

    Clean shares, introduced in late January, also could help American compete with low-cost fund groups such as Vanguard, which hauled in more net money last year than all other U.S. fund companies combined, according to Morningstar. Vanguard attracted $277 billion in net inflows. American, the Los Angeles fund group that is the nation s second largest, had net outflows of almost $5 billion.

    We have gone through share class proliferation. Now we are returning to a single structure, but it is very different from where we started, O Connor said.

    Unlike Vanguard, American does not sell directly to investors. Also unlike Vanguard, which manages primarily index funds, American is an active fund manager, which means that it analyzes and picks individual securities, which costs more than running an index fund. For this, it charges an investment management fee averaging 0.25 to 0.3 percent of fund assets per year.

    This is on the low side for active managers, but it s hard to see because American also acts as a paymaster. It collects commissions and fees from fund investors and distributes them to the brokerage and advisory firms that sell its funds, the banks that hold the fund s assets and transfer agents that keep shareholder records.

    These fees (but not commissions) are added to American s investment management fee to come up with an annual expense ratio, which is stated as a percentage of assets.

    American has different arrangements with brokers, advisers and service providers. Some brokers want a commission up front, some will forgo the commission for an annual fee. Some large retirement plans can negotiate big fee discounts. To meet these and other demands from its distribution network, American (like its competitors) kept creating new share classes with different fee structures.

    More from Kathleen Pender

    How to sell mutual fund shares

    How to sell mutual fund shares

    How to sell mutual fund shares

    So now it has three share classes sold by commissioned brokers to retail investors (labeled A, B and C shares); three sold by fee-based financial advisers (labeled F1 through F3); five sold in 529 college savings plans (labeled 529A through 529F1); and eight sold through retirement plans (labeled R1 through R6).

    On American s flagship fund, Growth Fund of America, the expense ratio ranges from 0.33 on R6 shares to 1.54 percent on 529B shares. Even though they have the same portfolio, if you had invested $10,000 in each of those two share classes 10 years ago, the R6 shares would now be worth $20,997 compared with $18,754 for the 529B shares, according to Morningstar.

    With its new clean shares, labeled F3, American will no longer act as paymaster. It will collect only its own fees. On Growth Fund of America, it will charge 0.33 percent annually 0.27 percent for investment management and 0.06 percent for expenses it pays itself, such as legal and printing costs.

    That will make it look more competitive with low-cost leaders such as Vanguard, whose average expense ratio is 0.18 percent.

    Brokers and advisers who recommend clean shares can add whatever fees or commissions they want, and they could end up costing much more than 0.33 percent. However, by unbundling investment management and sales-related fees, it should be easier for investors to see how much they are paying American and how much they are paying for advice.

    A clean share has the cost of operating the fund, but it doesn t include the sales commission paid to the broker, said Barbara Roper of the Consumer Federation of America. That is separately negotiated between the customer and broker. It would be the same way when you buy stocks or exchange traded funds.

    The hope is that by separating the two, market forces will drive down fund commissions, the same way they drove stock-trading commissions, Roper said.

    American s class A shares charge up to 5.75 percent in up-front commissions, or $575 on a $10,000 investment. By comparison, do-it-yourself investors can go to a discount broker and buy an unlimited amount of exchange-traded funds for less than $7 per online trade and in some cases, zero.

    Capital Group, American s parent, had to get permission from the Securities and Exchange Commission to create clean shares because historically, fund companies not brokers set commissions and fees. Janus has also received SEC permission to sell clean shares.

    One way fund managers compete with each other is by offering brokers bigger commissions or other incentives, which are not clearly disclosed to investors. This encourages brokers to recommend funds that make them, not their investors, the most money.

    People licensed as brokers can do this, as long as the fund is suitable for their client, because they are not held to a fiduciary standard. Fiduciaries must put their client s interests ahead of their own. People who are registered investment advisers are fiduciaries and are required to act in their client s best interests.

    Clean shares were expected to get a boost from the U.S. Department of Labor s fiduciary rule, approved last year under the Obama administration. This rule requires brokers, as well as advisers, to act as fiduciaries when they get paid to give advice about retirement (but not other) accounts.

    With clean shares, a brokerage firm could pay their salespeople the same fee or commission on all funds. This would eliminate the incentive to favor one fund type or one fund company over another and help firms comply with the fiduciary rule, Roper said.

    Companies were supposed to start complying with the rule April 10, but the Trump Administration ordered the department to reconsider the rule. In early March, the department delayed implementation for 60 days. The rule is not likely to survive in its current form, but some version of it could, Roper said.

    No matter what happens with the rule, American plans to forge ahead with clean shares and believes the industry will follow suit. The rule, even if it doesn t pass, has raised awareness about high fees and conflicts of interest.

    But investor advocate Mercer Bullard of Fund Democracy wonders why any brokerage firms would sell clean shares if the fiduciary rule is not adopted, because of the price competition clean shares could unleash.

    Morningstar s John Rekenthaler hopes they will. I like (clean shares) in spirit. We would all be better off if mutual funds, stocks, ETFs, were all owned and purchased the same way. The onus (is) on the broker to have good disclosure.

    I asked O Connor whether that name implies that its other share classes are dirty. He said that possibility was discussed. But we feel strongly this will be the future of how mutual funds are priced.

    Kathleen Pender is a San Francisco Chronicle columnist. Email: [email protected] Twitter: @kathpender

    How to sell mutual fund shares


    Solar Panels

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    Answers to all your questions about solar panels

    Pros and cons of installing solar panels on your home

    Solar panel are a big purchase with a long term payback. As such they involve a more careful consideration of the advantages of installing solar panels and the disadvantages of installing solar panels than what is the case with other consumer purchases.

    However, in most instances regardless of the solar company you use, the solar panels you choose or the payment method you choose (cash, home equity loan, lease or PPA) the financial advantages of installing solar generally outweigh the risks or disadvantages.

    Solar Calculator

    A solar panel calculator answers the following questions:

    How many solar panels do I need?

    How long does it take to pay back the cost of installing solar panels?

    Likely cost for the solar power system you need to cover your bill?

    What solar incentives are available in my area and how much will they save me?

    How much power solar panels produce?

    How much will I save if I get solar panels installed?

    There are two leading solar calculators in the US

    PV watts Solar Calculator is the best solar calculator for determining the exact amount of power that solar panels will produce because it can take into account the pitch and exact direction of your roof. However, it is less useful as a solar cost calculator or as a savings or payback calculator because it does not have up to date market cost date or data about incentives.

    Solar-Estimate Solar Calculator is the best solar calculator for calculating solar costs, solar savings and solar payback periods but assumes that your roof is an optimal solar roof (facing south and 22 degree pitch). It actually uses the PV Watts solar irradiation and production data (as most solar calculators in America do) but the advantages of the Solar-Estimate calculator over others is that it has incentive data and your utilities rate structure built into its database. It also has pricing data from around 200 installers around America making its assumptions as to cost, savings and payback far more realistic that any other solar calculator.

    Data from the Californian government solar website shows that users of Solar-Estimate in California on average purchased their solar systems at almost $1 per watt less than the statewide average cost for residential solar systems. This amounts to a saving of around $5,000 on a standard 6kw solar system. The Solar Energies Industry Association recommends the Solar-Estimate Solar Calculator for use by consumers.

    Find the ‘best solar company’ for you

    It is a big mistake to think that all solar companies are alike. There is a vast difference between mom and pop local solar companies and the largest solar sales juggernauts such as SolarCity and Vivint Solar .

    You can see from the SolarCity and Vivint reviews that these companies have much worse reviews than the average consumer reviews score for small and mid-sized solar companies. However, these companies have used financial structuring to offer Americans that do not have the cash available to buy solar, or do not have the federal withholding tax liability to use the 30% solar tax credit. the ability to buy solar with zero down and a monthly payment lower than the monthly savings the system generates. As such we say that they have contributed greatly to the growth of the solar industry.

    It should also be noted that these zero down lease and PPA options are not necessarily the best way to maximize your solar savings. Typically your savings will be much more if you can afford to buy the system, either with a cash payment or a HELOC loan. See: Pros and Cons of Buying Solar v’s Leasing Solar v’s PPA agreements

    Solar panel kits

    There are two types of people that buy solar kits. There are those that wish to contract a solar skilled electrician to install the kits for them and by doing so end up installing solar panels at a lower cost than what are charged by solar companies and there are those that actually want to physically do the installations themselves to save even more money.

    However, there are fire and electrical safety risks with the DC electricity produced by solar panels. There is also the OH S risks associated with general roof and electrical work for those not trained in these areas. There is also the pitfall that you will have to do all your own city and utility compliance paperwork yourself and that you may damage the equipment in installation (voiding your warranty).

    If you are considering buying a solar panel kit and doing DIY solar you really should read this article first. It’s possible, but its hard and has its own risks: Pros and cons of buying DIY solar panels

    Upload your solar quote to see who will beat it

    SolarReviews and its sister sites www.solar-estimate.org and www.solarpaneltalk.com together make the largest solar community on the web. We have data on over 450,000 solar installations and get live pricing data in every day from around 200 solar companies.

    Upload an existing quote and we can instantly tell you if that system has ever been installed at a lower cost.


    How Much Term – Whole Life Insurance Cost, Get Quotes Online, Quotacy, how much term life insurance.

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    How Much Does Life Insurance Cost?

    How much term life insurance

    There are several types of life insurance available the main ones being term life, whole life, and universal life insurance. The costs of each vary depending upon the individual, the product, and the amount of coverage you choose.

    Everyone’s situation is unique so a policy that works for some may not be the best choice for another. Two people with the same type of policy may also pay different rates depending upon the individual’s age, health, and lifestyle.

    Let s dig into how much life insurance costs.

    5 Factors that Affect Life Insurance Costs

    1. Age – The younger you are, the cheaper life insurance is because you most likely won’t be dying soon. If you are 70 years old and looking to get life insurance, the insurance carriers see that as a high risk so you pay more.
    2. Health – Your height and weight, and smoking status, as well as chronic conditions such as diabetes, cancer, heart disease, and asthma all affect the cost.
    3. Gender – Women statistically live longer which means they would be paying premiums longer so life insurance costs tend to be cheaper.
    4. Family History – Your health could be clean as a whistle, but if your entire immediate family was diagnosed with heart disease at age 50 then you most likely will be paying more. The insurance carrier considers the risk that you too may develop heart disease.
    5. Hobbies – Scuba diving, skydiving, private aviation, world travel, any recreational activities that could be considered risky affect life insurance costs.

    Whole Life Insurance Cost

    Whole life is a permanent insurance product designed to provide coverage for your entire lifetime. Over time, a cash value balance is created within the policy. Because of cash value and the lifetime coverage, whole life insurance has higher premiums.

    A portion of your premium payment goes to pay for the actual life insurance coverage which is an amount equal to the face value of the policy. The remains are put in a high-interest conservative account. The cash value builds from investments made by the insurance company.

    You have the option to borrow or withdraw your cash value at any time.

    • Borrowing If you borrow from it, the insurance carrier treats it as a policy loan and you pay interest until it is repaid. If you die before it is repaid, the carrier will reduce the death benefit your beneficiaries receive by that unpaid amount.
    • Withdrawing If you withdraw from it, you will owe income taxes if the amount you withdraw is more than what you have paid in premium payments. Otherwise it’s tax-free.

    It is important to note that when you die your beneficiaries only receive the face amount. If there is a cash value balance it is not added to the death benefit.

    Someone buys a $100,000 whole-life policy and dies with the cash value at $40,000. The insurance carrier pays the beneficiary $100,000 not $140,000.

    1. Single premium payment
    2. Premiums payable to 100 years
    3. Premiums payable for a limited number of years

    Single Premium Payment – you make a one-time payment.

    You’re 30 years old and pay $17,239 upfront for $100,000 of coverage, in addition to the cash value that can be accessed during your lifetime.

    Premiums Payable to 100 Years – you pay a fixed monthly or annual payment to age 100.

    You’re 30 years old and pay $80 a month or $900 annually for $100,000 of coverage until you die. Cash-value accumulates as well and can be accessed during your lifetime.

    Limited Pay – premiums made for 10, 15, or 20 years to pay off the policy.

    You’re 30 years old and want to pay off the policy in 15 years. You pay $113 monthly or $1300 annually for 15 years for $100,000 in coverage and never pay a premium again. Cash value still accumulates and can be accessed during your lifetime.

    Universal Life Insurance Cost

    Universal life (UL) insurance is one of the most versatile types of permanent life insurance. It has a high degree of flexibility and an “unbundled” nature by its separate expense, protection, and cash value elements.

    • Premiums Instead of being locked into a fixed premium schedule for life, you can potentially pay any amount between the required plan “minimum” to the IRS-imposed “maximum”, depending on your cash flow needs and accumulation goals. Premiums may be increased, decreased, or even skipped depending on policy conditions.
    • Death Benefit – You can adjust the amount your beneficiaries receive upon your death within plan limits without having to buy a new, separate policy. This can reduce costs and simplify the process.

    The premiums you pay each month go into a metaphorical bucket. Each month the insurance carrier takes out the administrative fees and the cost of insurance. The funds that are leftover earn interest. The amount of interest earned depends on the rate declared by the insurance carrier and how much money is currently in the bucket. The rate will never fall below a contractually guaranteed minimum. The cash value you accumulate can be accessed at any time through policy loans or surrenders.

    • Policy loan – This enables you to “borrow” money from your policy using the value as a form of collateral. These loans do accrue interest and if not paid off while you’re alive, the unpaid amount is deducted from the death claim benefits.
    • Full surrender – If you decide to fully surrender your policy, you are terminating all coverage and typically you receive any accumulated policy value, less a surrender charge and (if applicable) any accrued loan interest.
    • Partial surrender – This occurs if you decide to permanently withdraw a portion of your policy’s cash value, but keep some or all coverage inforce. There is no interest charged for a partial surrender, but there is a flat fee.

    With UL policies, you typically have two coverage options.

    • Option A – Your amount of life insurance coverage (the death benefit your beneficiaries receive) stays level and as the cash value accumulates, the amount of life insurance you pay for decreases.
    • Option B – The cash value is added to the initial amount of life insurance, extending your coverage as the cash balance grows.

    You choose the amount of protection best for your situation. As a policyowner, you have more flexibility with a UL permanent product than whole life, but you also assume additional risk. UL policies typically have fewer guarantees than whole life coverage, so you must be careful to manage your premium payments and any distributions taken to ensure your policy stays inforce.

    While a UL insurance policy is less expensive than whole life, it is still not the cheapest form of life insurance.

    Term Life Insurance Cost

    Term insurance is typically the most affordable option due to its temporary nature, and by far the most commonly owned life insurance product. There is no cash value inside a term insurance policy but the insurance company guarantees they will not increase the price you pay during this level term period (10, 15, 20, 25, or 30 years) to protect your loved ones.

    John Doe can buy a $500,000 20-year level term insurance policy at $40 per month.

    If he dies unexpectedly any time within those 20 years, his beneficiaries will receive $500,000. If he died in the 10th year, he would have paid $4800 in premiums with his loved ones receiving $500,000.

    If you should die within the term, the entire coverage amount goes to your beneficiaries. When your term ends, coverage at the previous price is no longer guaranteed. You must either forgo coverage, convert to a permanent policy if available, or potentially obtain a new policy with a different price by going through the underwriting process again.

    Term insurance is typically the most affordable option due to its temporary nature, and by far the most commonly owned life insurance product.


    Life Insurance Leads, Wealth Management, how to get life insurance leads.

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    how to get life insurance leads

    I have tried multiple sources for internet based life insurance leads. Even paying to have a site made. http://www.terminsurancecharlotte.com/ it works.. but costs a ton via pay-per click for leads. ?: prefix = o ns = “urn:schemas-microsoft-com:office:office” /

    Of all the sites and marketing groups I have tried Insurance Leads.com has been the most successfull. http://www.insuranceleads.com/promotion.aspx?s=agtref k=279797

    If you try it they will give you $100 of free leads (matching). These are NOT exclusive leads so be ready to call them emediatly. I have the leads sent to my phone. If you are the first to speak to the prospect you have a 70% shot of closing the case right then.

    WARNING: Don’t expect that these leads are going to be easy. I buy 3 leads per day at a cost of $13 per lead. (You can have it set up to get them only on certain days). In a weeks time (15 leads), 8 are BOGUS (get refunded), 3 Sale Made, 2 Can’t be reached (LEAVE MESSAGES.. most don’t), 2 spoke with and have to “WORK” to make the sale.

    Talk with them http://www.insuranceleads.com/promotion.aspx?s=agtref k=279797 it might be a nice little addition to your practice.

    I have been using them for two years. Last year I bought leads for 40 weeks. (600 leads).. sold 128 polciys.. (placed 82.. some people go to the internet for quotes once the Dr. tells them they are on the stiarway to heaven). Average annual premium sold $94 / month. Total Premium Placed = $92600. I made $53,000 – $3,700 (bogus leads get refunded) = $49,000. Not too bad for @ 3 hours a day work.

    Let me know via this sight how it is working for you. Lets share ideas on how to get this and other marketing effrots to work better for us.

    Pokerguy

    Hmm spell check would have been a good idea.

    Pokerguy

    New Promotion that http://www.insuranceleads.com/promotion.aspx?s=agtref k=279797 is running. 20 Free Leads (Up to $300 in value)

    Pokerguy

    Please post if you have tried. What is working or not working with your approach?

    Squash1

    Pokerguy

    Bonk this post is not for my site… just showing that a 3rd party vendor works. It works for me.

    3rdyrp2

    The “About Us” portion of the terminsurancecharlotte.com site is pretty weak. All it says about them is “Our goal is to be the number one term life insurance resource for the greater Charlotte, North Carolina area. We make finding the right insurance easy.” Then a bunch of jargon that doesn’t have anything to do with the site. I just send a couple of minions to the pregnancy ward of the hospital to get the husbands info.

    Pokerguy

    Point taken @ my site. The site was just to get the first page lead info… the generic volume is to buff up site for search engines. I have gotten a few notes about the site, the point of the post it to say the the leads vendor works for me… BETTER than my own web site via pay per click.

    SuperBroke

    Have you tried their Annuity leads?

    Pokerguy

    I have not used them for annuity leads.

    gettingstarted

    I’m going to give them a shot, will keep updated.

    Pokerguy

    Gettingstarted .. how did it go? What type of call/reach/bogus ratio did you pull your first week? MAKE SURE to get REFUNDS on any lead that is BS. Can’t wait to hear how it worked for you.

    Pokerguy

    Ray- Please post what you emailed me.

    SuperBroke

    Sold 2 out of the 15 free leads.

    SuperBroke

    “Sold 2 out of the 15 free leads. ” T

    he leads can be great or crap. They do refund quick on the bs leads. 1/3 BS leads, 1/3 Sale, 1/3 working.

    SuperBroke

    “Sold 2 out of the 15 free leads. ” The leads can be great or crap. They do refund quick on the bs leads. 1/3 BS leads, 1/3 Sale, 1/3 working.

    The 1/3, 1/3, 1/3 seems to be holding true. I have been getting refunded on the 1/3 junk leads, and about half the “working” leads turn out to be junk. So selling 2, working 1, and refunded 3 is more like the ratio.

    Pokerguy

    52 policys PLACED PAID YTD. 337 Leads bought. 142 Leads refunded. 52 / 195 @ 26% YTD

    Ask how many agents are working the leads in your area.. DONT buy if more than 3 other agents in your area- this is good but no reason to tip over each other.

    I set my lead screener to 250K face min, over 35 yo under 65, and NO health conditions.

    I sell Term Ins. 94% of the time with these leads, I cant think of a situation where a face of under 250K is suitable coverage. 35-65 is the Term Ins. sweet spot, under 35 and you make NO $$$ selling it. Over 65 and you have a diffrent set of products to consider. The health conditions is something I flip on and off. I hate to pay for a lead for a person who is the walking dead- “My doctor told me I have” . I have made good $ selling to people who have been turned down by other companys though.. rated policys make the most $$$. It is a coin flip, I just toggle on and off.

    Good Luck with your sales!

    mbonfa2

    I have been seriously considering moving forward with insuranceleads.com and you have pretty much sealed that deal. I am going to try it as well. I do have a few questions for you if you had some time to respond.

    What have you found to be your average lead cost? Still holding steady at $13 per lead?

    Do you only market to a radius around Charlotte? The whole state? How do you approach that? What’s the population there?

    Do you have staff that does the contacting for you? Either way, about how much time does it take total to close it? Are the prospects pretty receptive?

    Any tips to make sure that you are the first agent to contact them? How quickly do you find that other agents call the leads first?

    Any scripts or form emails you might care to share? Any systems or processes you use that work?

    Any luck cross-selling your investments?

    Have you tried any other lead sites and had good results?

    OK, thanks for any answers you have the time to give. I appreciate the guidance and will be sure to report my results here in a few months.

    Pokerguy

    What have you found to be your average lead cost? Still holding steady at $13 per lead? The last group have been $24.40/lead with the 250K face min, over 35 yo under 65, and NO health conditions.

    Do you only market to a radius around Charlotte? The whole state? How do you approach that? What’s the population there? 15 miles from my zip has @ 1million people.

    Do you have staff that does the contacting for you? I do ALL of the first 4 attempts, then turn them over to a couple of new guys. If the contact is not made right away, then the lead is usually junk.

    Either way, about how much time does it take total to close it? My record from time of getting the lead and submitting the app in 7 min. The normal is @ 1 hour all in.

    Are the prospects pretty receptive? When they are real yes, when some jerkorf signed them up to fill out a paid survey they are pissed. Just be kind and give them the name and number of your Insurance leads contact to be asked to be put on DNC list.

    Any tips to make sure that you are the first agent to contact them? How quickly do you find that other agents call the leads first? Have the lead sent to your PDA, and call them AS SOON AS YOU GET THE LEAD.

    Any scripts or form emails you might care to share? Any systems or processes you use that work? Just say you are responding to their request for a life insurance quote. Always ask for the close, ask to get togeather or take app over phone.

    Any luck cross-selling your investments? Have sold a few investment accounts, @ 300K total.. These are really term-ite leads.

    Have you tried any other lead sites and had good results? Quite a few, NewQuote, InsuranceLeadz, LifeSolutions, I have been doing this for 14 years, alot have come and gone.


    Homeowners Insurance: Home, Renters, & Condo Quotes, how to buy condo insurance.

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    how to buy condo insurance

    How to buy condo insurance

    If you’ve never owned a home before or are moving into your first apartment, start off on the right foot by purchasing home or renters insurance. Home insurance protects more than four walls and a roof – you’re protecting just about everything in it, as well.

    Here’s how to protect the biggest investment you’ll likely ever make: Your new house. We explain the basics of homeowners insurance.

    Knowing what HO-2, HO-3 and other similar policies cover can steer you to the right home insurance plan for your needs.

    Association fees cover some of your condo insurance burden. How much insurance do you need to cover the rest?

    Will renters insurance cover my laptop in my car? How much will renters insurance cost? Can I get a discount? Your questions answered.

    Everything from your previous claims history to your home’s distance to a fire station can spark higher rates.

    Learn the role key factors play in influencing your home insurance cost, and see average homeowners insurance rates by state and coverage level so you know what to expect to pay.

    Learn who the best renters insurance companies are, how to shop for a policy and how to ensure you have sufficient coverage.

    Condo insurance, also called HO6 or H-06 insurance, is one of the most complicated home policies to purchase. Homeowners associations (HOA) carry insurance with a master policy, but condo owners are not fully covered through the HOA and need to make sure they are properly protected. Here’s what you need to know about condo insurance.

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    Mandated Reporters of Child Abuse

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    Act 60 (S.9). which came into effect July 1, 2015, made some changes to mandated reporting procedures, child abuse definitions, and information sharing. These changes are reflected below.

    Who are mandated reporters in Vermont?

    Click here to see the list of mandated reporters.

    What is my legal obligation to report?

    If you reasonably suspect child abuse or neglect, you are legally required to make a report to our Family Services Division (FSD) — within 24 hours of the time you first received or observed information about the suspected abuse/neglect.

    Read FSD Policy 50 for child abuse and neglect definitions.

    How do I make a report?

    Call 1-800-649-5285 (24 hours a day, 7 days a week).

    If a child is in immediate danger, dial 911 or call your local police first.
    Then, call FSD to make a report. Calling law enforcement is not the same as reporting to FSD. You must notify FSD directly.

    What if several people in my organization need to report the same information/incident?

    We strongly recommend you report as a group—by phone or in writing. The same 24-hour time limit applies.

    What if my employer has a policy about notifying supervisors or managers about suspected child abuse or neglect?

    Remember that it is the individual mandated reporter who is legally required to make a report on time and will be liable if one is not made.

    What happens to reports received?

    Click here to learn what happens to the reports we receive.

    What if I am not sure?

    Please call us for advice, if you:

    • Are not sure a report is warranted.
    • Are considering telling the parents about your report. In some cases, this could endanger the child and hinder the response.

    You need only have a reasonable suspicion that abuse or neglect happened to make a report. If in doubt, report!

    What happens when I call?

    Before you call, try to have as much information on hand as possible (e.g. the child’s name, date of birth, home address, school or child care provider, and parents’ names).

    A social worker will:

    • Question you about the situation
    • Record the information you provide
    • In some cases, ask you to gather more information

    Written Report:
    The worker will also ask you to complete a written report using form FS-305.

    • Print a copy of the form and complete it by hand OR
    • Save the form on your computer and complete it as a fillable form (if your browser does not support fillable forms, try another one)

    Fax your completed report to (802) 241-3301.

    What information may be shared with me?

    If you are a mandated reporter, we can share the following with you:

    • Whether your report was accepted as a valid allegation of abuse or neglect
    • Whether an assessment was conducted and, if so, whether a need for services was found
    • Whether an investigation was conducted and, if so, whether it resulted in a substantiation

    Upon request, we may also provide you with relevant information and records related to a report you made if you have an ongoing working relationship with the child or family who is the subject of the report. You may not share this information with any person not authorized to get it.

    What is my liability?

    Vermont law provides you with immunity from civil or criminal liability if your report was made in good faith. However:

    • Failing to report as required by law can result in criminal prosecution with a fine of up to $500
    • Failing to report as required by law with the intent to conceal the abuse or neglect can result in imprisonment for up to six months and a fine of up to $1,000

    What about HIPAA?

    The HIPAA privacy rule allows covered organizations to disclose protected health information to report suspected child abuse or neglect to government authorities authorized by law to receive such reports.

    Is my report confidential?

    We will not divulge your identity unless:

    • You give us your permission to do so
    • Your report leads to a court or human services board proceeding
    • A court finds probable cause to believe your report was not made in good faith and orders DCF to divulge your identity
    • The person substantiated for abuse requests a review of the decision, and we determine that identifying information about you can be provided without compromising your safety

    Where Can I Get More Information?


    Selling Your Life Insurance Policy, Coventry Direct, how to buy term life insurance.

    #How #to #buy #term #life #insurance



    When Selling Your Life Insurance Policy Makes Sense

    If you re like many Americans, you may have purchased life insurance to protect your family or business and provide financial security when it was needed most. But as circumstances change, your insurance priorities may have changed with them, which is why selling your life insurance policy can make sense.

    Here are a few important reasons why you may want to consider a life settlement:

    • Your life insurance policy is too expensive to maintain.

    If your premium payments have continued to increase, your policy may no longer be affordable.

  • You have more life insurance than you currently need.

    As your circumstances and need for financial protection change, you may want to reduce the overall insurance you own.

  • You need help with increasing medical or long term care expenses.

    Selling your policy can help cover your immediate needs.

  • Increasing your retirement funds will increase your peace of mind.

    The proceeds from the sale of your policy can help boost your savings and supplement your retirement income.

  • You still want to keep a portion of your life insurance, but would like to eliminate the premiums.

    You can sell part of your policy, eliminate costly premium payments and maintain a portion of your coverage.

  • “The ability to sell their policies as a life settlement enabled policyowners to receive an amount more than four times greater than what they would have received had they surrendered their policies to their insurance companies.”

    London Business School Study, June 2013

    June had taken out a long term care policy years ago to help her family cover her medical expenses. She could no longer afford the premium payments on the policy. June did some research and learned she may be a candidate to sell her life insurance policy. June was able to sell her policy for $65,500 and use that money to continue paying premiums on her long term care policy.

    Does my policy qualify?

    If you are interested in selling your policy, please call us at 1.800.COVENTRY to complete the Life Settlement Qualifier. We are available to assist you.



    We help you Sell, how to sell a car.#How #to #sell #a #car


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    Back When We Were Grownups 2004 Breathing Lessons 1994 Brush With Fate 2003 Candles On Bay Street 2006 Crossroads A Story Of Forgiveness 2007 Cupid & Cate 2000 DreamKeeper 2003 Ellen Foster 1997 Fielder’s Choice 2005 Follow The Stars Home 2001 Fro.

    Bang HDTV SE01 (2017) ****ENGLISH & ENGLISH SUBS**** FORMAT:DVD+R DL DUAL LAYER VERBATIM DVD DISCS NTSC ALL REGIONS WORLDWIDE NTSC UNRESTRICTED BLU-RAY/DVD PLAYER READY ****WORLDWIDE SHIPPING AS DVD+R DL DUAL LAYER DISCS IN PREMIUM WHITE PAPER PROTECTIVE.

    WALT DISNEY’S DISNEYLAND / WONDERFUL WORLD OF COLOR 1954-1960 137 DVD-R SET SHIPS IN PAPER SLEEVES SOURCES ARE: FILM, BROADCAST, AND DIGITAL SEASON 1 VOL 1 : WALT DISNEY’S WONDERFUL WORLD OF COLOR – THE DISNEYLAND STORY 10/27/1954 SEASON 1 EPISODE 1.

    MY ADDRESS & CELL PHONE NUMBER WILL AUTOMATICALLY BE PROVIDED TO YOU. I SHIP ITEMS FROM MONDAY THRU FRIDAY. A TRACKING NUMBER IS ALWAYS PROVIDED ON ALL ORDERS. ALWAYS MESSAGE ME IF I HAVE ANY ITEM IN STOCK AND WHAT YOU WILL GET FOR FREE. ON MY IMAGES TH.

    JUST WRITE (1997) A romantic comedy about falling in love. the write way starring Sherilyn Fenn- Jeremy Piven and JoBeth Williams “An incisive romantic comedy. JUST WRIGHT is just right” LA Times JUST WRIGHT (2010) A charming story of hops, hope a.

    PETER LOVES MARY – Peter Lind Hayes & Mary Healy BEAUTIFUL QUALITY The Peter Loves Mary TV show was a situation comedy series about the lives of a married couple both in show business. They face cultural shock when they movie from the excitement of New.

    Leif Garrett as a young foosball player who wants to earn the big dollars that will be used to play soccer in Europe by winning the foosball world championships. dvd-r

    This is a used in good condition Crate and Barrel 45″ Avalon extension table. Also comes with the leaf which is shown in the picture which when used extends the table to 62″. Also comes with the 4 chairs as shown which are also in good condition. Bought n.

    Order reclaimed shipping pallet planks for unique wall covering. Perfect accent walls for coffee rooms, performing stages, clerical offices, waiting rooms, etc. Call Fort Worth Pallets 817-762-0988, minimum 100 boards required, each slat covers approximat.

    HERE IS A LIST OF CLASSIC RARE SHOWS THAT WILL NEVER MAKE IT TO DVD OR WASNT COMPLETED ON DVD. AND THE PRICE IS AS STATED ON THE AD. NOT THE. WHOLE LIST. EACH SHOW IS SOLD SEPARTELY. UNLESS YOU BUY MULTIPLE. PRICES. VARIES FOR EACH SHOW HALF.

    Each season is $15.00, Each movie is $5.00 Plus Shipping I have way too many movies to list you can send me a message to see if I have the movie more than likely I have the movie. Supernatural season 1-12,the Flash season 1-3,Once upon a time season 1-5,A.

    Great Britain, 1990. The population is now governed by an increasingly corrupt bureaucracy headed by the Home Secretary and backed by the tyrannical Public Control Department (PCD), who have done away with the rights of the individual and maintain control.

    The ENM Electrical Counter P14B64A is designed for placement in close proximity to electronic components without creating transient interference. It is also designed for applications where cost, size and performance are important. PRODUCT FEATUR.

    2005 Chaparral 270 Signature – Stock #140044 – If you are in the market for a cruiser, look no further than this 2005 Chaparral 270 Signature, priced right at $58,000 (offers encouraged). This boat is located in Beach Haven, New Jersey and is in great.

    The Nassau game stool is distinguished and regal. The classic lines and nail head trim on the stools make them elegant and practical. Stool has a 360 degree swivel. Finished in brown with a brown leather seat and back.Dimensions & Weight: Height: 52″.

    How to sell a car



    Police Auctions, Online Auctions, Government Auctions, Auto Auctions Los Angeles, Vehicle Auctions, how to sell a car.#How #to #sell #a #car


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    Ken Porter Auction

    Bi-Monthly Consignment Auction Vehicles, Heavy Duty Trucks, Construction Equipment, machinery, Surplus Items & Equipment Inspection Thurs. & Friday November 16th & November 17th 9am to 5pm Day of sale from 7am auction starts at 9am!



    Used Cars For Sale – Appraisals, Used Cars – Certified Pre-Owned Vehicles, Edmunds, how to sell a car.#How #to #sell #a #car


    Used Cars For Sale

    Find used car inventory nearby

    Appraise a used car

    Research a used car

    about used cars

    If you’ve come here looking for a used or certified pre-owned car, truck, SUV, crossover, hatchback, hybrid or convertible, then you’re in the right place. Edmunds has everything you need to know about buying or selling a used vehicle, including Carfax vehicle history reports, dealership listings and pricing information, expert car reviews, consumer car reviews, car dealership reviews, car price comparisons, car appraisal calculators, images and videos, technical features and specs, user forums and more.

    At Edmunds, you’ll be able to browse thousands of used cars, trucks and SUVs for sale with special offers, appraise your current car, and research the car, SUV or truck of your dreams. You can limit your search to certified pre-owned (or CPO) vehicles for sale and be a click away from articles by our experts that will give you the best car shopping and buying tips and advice. Let’s take a closer look at each of these aids to easier used-car shopping.

    The INVENTORY tab at the top of the page allows you to browse used cars for sale from popular makes such as Ford, Honda, Toyota, Chevrolet, Hyundai, Infiniti, Acura and Subaru. The inventory tool allows you to cast a much wider net than simply visiting your local dealership’s website. Start with the make and model of the vehicle that you’re interested in. You’ll have the option to refine your search by price, distance, model year and mileage. If you’re looking for specific options or features, a certain trim level or a specific color, there are more advanced search filters available, including engine type, fuel type, drivetrain, powertrain, airbags, air-conditioning and much more. After you find the car, SUV, truck or hybrid that you’re interested in, select the listing to check out the VIN details page for that vehicle and get more information. There you’ll find a description of the vehicle from the dealer, vehicle features and options, contact information for that dealership, dealer reviews, a ballpark insurance estimate, and a link to see a Carfax vehicle history report.

    The APPRAISE tab at the top of the page lets you enter your car’s basic information, odometer reading, trim level, and overall condition. Then Edmunds provides you with the True Market Value (TMV) for your used car or vehicle. Edmunds’s True Market Value or used car value is is a great starting point for negotiation of a used-car sale between a private buyer and seller. This is an “as is” value that does not include any warranties. The final sales price depends on the car’s actual condition and local market factors. You can use this used car value estimate to price your car for sale or to negotiate a trade-in for a new, CPO, or previously owned car for sale from a local dealer. The used car value estimate is also useful for assessing retail pricing at a car dealer. You can try it out by clicking the “APPRAISE” tab, above. Once you enter your vehicle details, you will receive three estimates for your used car’s value: “Trade-in” is what you can expect a dealer to offer you for your used car; “Private Party” is what you might expect to earn if you sold the pre-owned vehicle yourself; and “Dealer Retail” is what you might expect to pay if you were buying this used model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealership might sell it for as a certified pre-owned vehicle.

    The RESEARCH tab points you to our expert analysis of the make and model of the car you select. You can read our editors’ reviews and learn about each generation of the vehicle you’re interested in. From there, you can narrow the focus of your car buying research by selecting a particular model year and learning more by checking out photos of the cars, researching local dealership listings, car valuation, consumer reviews, editors’ reviews, pros & cons, features & specs, and safety information. That’s a world of information. And we’ve put it all right at your fingertips.

    Are you thinking about trading in your vehicle at the dealership or selling it yourself? Find out what your used car is worth with our True Market Value appraisal tool. Enter the year, make and model to get started. Make sure you know the options on your vehicle and the current odometer reading. Be honest about the condition level. Most cars will fall in the “average” to “clean” range.

    The appraisal tool will give you three prices: “Trade-in” is what you can expect a dealer to offer you. “Private Party” is what you might expect to earn if you sold the vehicle yourself. “Dealer Retail” is what you might expect to pay if you were buying this model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealer might sell it for as a CPO vehicle.

    If you are hesitant about buying a traditional used car, you may want to consider a certified pre-owned vehicle. These vehicles tend to be newer, have gone through a more detailed inspection process and come with a limited warranty. The Edmunds inventory tool will have an option to sort the list to show only CPO vehicles. You can also go directly to the CPO cars page.

    Explore Car-Buying Articles: If you’re unsure about the next steps in buying a used car — or car buying in general — Edmunds has research articles that can help. Take a look at those we’ve linked to on this page, or visit our research main page for a full list of articles that have been written by Edmunds car-shopping experts.

    Select from the options below, then review features, road tests and more.

    Or browse by car type

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    Automobiles – The New York Times, how to sell your car.#How #to #sell #your #car


    Automobiles

    1. Photo How to sell your car Credit Lambert/Getty Images

    Cars Lose the Spare Tire for a Leaner Ride, but It Could Cost You

    How to sell your car

    Full-size spares gave way to space-saving “doughnuts,” but now carmakers may provide only the tools for a quick, do-it-yourself fix.

    By NORMAN MAYERSOHN

    The Tech & Design Issue: Life After Driving

    How to Make Cars Cooperate

    How to sell your car

    As giant companies race toward self-driving technology, smaller firms are using vehicle to vehicle technology to work toward a more profound — and in some ways opposing — goal.

    The Tech & Design Issue: Life After Driving

    Can Ford Turn Itself Into a Tech Company?

    How to sell your car

    Its very name was synonymous with the 20th-century economy. Now it’s trying to catch up with Silicon Valley on self-driving cars.

    Waymo’s Autonomous Cars Cut Out Human Drivers in Road Tests

    How to sell your car

    The Alphabet unit says it expects to allow passengers to ride in truly driverless cars in its tests within the next few months.

    By DAISUKE WAKABAYASHI

    1. Photo How to sell your car Credit Tesla, via Reuters

    Tesla’s Elon Musk Reassures Investors Over Model 3 Delays

    The electric-car maker cited record output of its existing models, and its chief said bottlenecks on its first mass-market offering were being resolved.

    BMW Recalls Roughly a Million Vehicles at Risk of Catching Fire

    The recalls include several 3 Series models and various BMWs with six-cylinder engines.

    By CHRISTINA CARON

    Wheels

    Wheels Drive Auto Industry Forward, in Showrooms and Aftermarket Shops

    Be they understated and utilitarian or exotic and outrageous, a fresh set of rims can make any car look new — even a new one.

    By STEPHEN WILLIAMS

    Volkswagen Sales in U.S. Rebound After Diesel Scandal

    Two years after the automaker’s cheating on emissions compliance was revealed, its dealers are finding renewed customer interest.

    By NEAL E. BOUDETTE

    Peter Schutz, Executive Who Saved a Signature Porsche, Dies at 87

    Mr. Schutz, whose family had fled the Nazis, returned to Germany to be the only American to lead the sports car maker. He stopped it from killing the 911 model.

    1. Photo How to sell your car Credit Caitlin O’Hara for The New York Times

    Waymo Enlists AutoNation to Maintain Driverless Test Fleet

    The move is a sign that the self-driving unit of Alphabet, Google’s parent, is closer to putting its technology into cars in ride-hailing operations.

    By NEAL E. BOUDETTE

    Wheels

    Forgetting a Child in a Back Seat Can Kill. Cars May Soon Warn You.

    Lawmakers are weighing whether to force automakers to include a device to alert drivers when a child in the back seat of a car after it has been turned off.

    By PAUL STENQUIST

    Subaru Admits Inspection Failings, in Another Blow to Japan’s Carmakers

    The announcement follows a similar revelation from Nissan and comes as the country’s manufacturing sector faces unusually intense scrutiny.

    By JONATHAN SOBLE

    Cost of Volkswagen Scandal Could Hurt Company’s Electric Vehicle Push

    The carmaker reported an increase in revenue, but said it still had work to do to overcome the damage caused by its diesel emissions cheating.

    Automakers Build War Chests to Finance a Self-Driving Future

    Ford, General Motors and Fiat Chrysler have revamped their businesses to enhance profitability and lay the foundation to develop high-tech models.



    Buy – Sell Used Cars in Dubai, Abu Dhabi, Sharjah, UAE Emirates, how to sell a car.#How #to #sell #a #car


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    Buy – Sell Used Cars in Dubai, Abu Dhabi, Sharjah, UAE Emirates, how to sell your car.#How #to #sell #your #car


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    How to sell your car

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    • How to sell your car

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    Nissan Pathfinder 3.5L V6 SL 4WD Price : 98000 AED

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    Lexus LS 460 for sale because I am buying a new car. It’s in very good condition with the passing report available recently done. Only serious buyers should contact. It has always been a personal car. Price : 35000 AED

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    TOYOTA ECHO 2005 CAR FOR SALE Price : 5500 AED

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    Ford F150 Raptor Price : 70000 AED

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    Used Honda CR-V EX Plus (AWD) 2008 Car for Sale in Fujairah Price : 23000 AED

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    How to Calculate a Car Loan Payment #auto #mall


    #calculate auto loan
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    How to Calculate a Car Loan Payment

    Factors you need to know about the car and the loan terms:

    • Overall Car Costs: A lot of different things need to be figured into your final financing costs. Include taxes, titling fees, warranties, and prior car roll over amounts. Subtract rebates, down payment, and trade-in value of your prior vehicle. Once you include all the numbers that is the final amount you are actually financing.
    • Loan Terms : You will need to know the interest rate in which you qualify for and the length of the loan. Determine the length of your loan by months. Car loans are commonly 36, 48, 60, and sometimes even 72 months long.

    If you are really dying for a math lesson, oakroadsystems.com gives you the math formula and walks you through the loan payment calculation. The equation uses basic algebra and is not rocket science, however it is fairly far beyond basic multiplication and division. It can be satisfying to figure your loan payments out yourself mathematically, but for convenience and speed it is not recommended.

    Skip the hassle of math formulas and get to your payment amount faster by using a good car loan payment calculator.

    Continue Reading Below

    Save lots of time by plugging in your basic information listed above. A calculator makes it easy to input different combinations of numbers. It allows you to do side by side comparisons of different loan interest rates and car costs.

    Some loan calculators allow you to check how increasing your monthly payment affects how fast you can pay your loan off. It is these variables that can be very interesting and help you reduce your debt. Technically you can use car loan payment calculators on any of your loans. As long as you know your loan factors the calculator will work.

    Analyze the Information:

    Once you know what your car loan payment will be, use the information wisely. Check around for a lower interest rate or try to do what you can to reduce the length of your loan. It is never a good idea to obtain a car loan based on the monthly payment alone. Lenders or car salesmen can extend your loan to reduce your payment but you pay a lot more overall. A lot of times extending a loan can cause you to owe more than the vehicle is worth. If this is your only option, be sure to check into gap insurance .

    Making educated decisions about your finances will keep your finances in good health. Having a good idea what a new car is going to set you back monthly can prevent surprises at the time you sign the official documents. Review your budget and feel good knowing you are making an educated purchase.



    How to refinance a car loan with poor credit with easy access to online rates #commercial #auto #insurance


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    How to refinance a car loan with poor credit with easy access to online rates

    The how to refinance a car loan with poor credit can ease the burden of millions of Americans across the country. Plenty of car owners and car drivers have had little chance to get financial relief because of their bad credit woes. The great strides in software technology have improved the internet use for services of all kinds. This has brought about a radical change in the viewpoint of businesses towards credit challenged consumers. The auto finance industry has been no exception to this rule. Well off citizens cornered by the economic recession had no way to seek reliable financial relief from their debt burdens.

    Refinance Your Car Loan Even with Poor Credit and Lower Your Monthly Payment to Save on Your Finance! Guaranteed Approval within 15 Minutes, So Apply Here Now

    The best company to refinance auto loan with bad credit can be found simple and quick with a little online research. The credit challenged consumers can easily access special auto loan refinance rates and terms meant for bad credit borrowers. The online digital database platforms are updated regularly with the real competitive rates to help car owners and car drivers find their affordable prices. With the increase in online competitive rates, auto refinance car loans seem to be the one method for credit challenged consumers to lower their debt burdens. Many banks and credit unions, as well as lenders have advertisements for lower interest rates.

    The consumers refinancing a car loan with bad credit will find the online process easier than ever before. The online competitive rates are configured for less than perfect credit borrowers looking for auto refinance car loans. Most of the auto refinance service providers have introduced the listing of refinance rates for bad credit consumers in their online database. The credit challenged consumers looking for auto refinance for an existing new or used auto loan have to look on further than the online service provider s database. Here, plenty of autos refinance companies of national repute offer real time competitive rates. The borrowers from the general public can get in touch with the lenders and dealers willing to work with consumers having poor credit.

    The best company to refinance auto loan with bad credit provide instant access to real time competitive rates published daily. The online digital database platforms are designed to provide the maximum of benefits to users free of charge. The consumers with less than perfect credit across the country can use this in their efforts to explore auto refinance rates. The online real time programming of auto refinance rates reduce consumer efforts and speeds up the process from application to approval. There are still majority of auto finance companies that refuse to auto refinance with lower interest rates for credit challenged consumers.

    The process of refinancing a car loan with bad credit has been dealt with effectively by many online lenders specialized in bad credit auto loans. The borrowers with credit challenged issues and vehicles with higher than acceptable mileage pose a challenge to many conventional or prime lenders. The online auto finance companies, lenders and dealers dealing in auto refinance car loans for bad credit are of special help in such situations.



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    How To Refinance Auto Loan With Bad Credit

    If you are looking to refinance your car loan, you might be worried since you have damaged credit. Although your options might be limited, it is possible to refinance auto loans with bad credit. Let’s find out how.

    What To Do First

    Before refinancing you should carefully check your credit score. You can get a copy of your credit report from:

    Be careful not to get misled by imposter sites that might be involved in identity theft. The Federal Trade Commission (FTC) provides helpful information about obtaining credit reports.

    When you get your credit report, check for errors such as:

    • Accounts listed that are not yours
    • Inaccurate account information (e.g. incorrect credit limits, personal data errors)
    • Outdated information (e.g. expired accounts)
    • Fraudulent accounts (e.g. someone else used your data to get credit)

    Go Loan Shopping

    The next step in the refinancing process is to look for a new lender. You can check with banks, financial companies, or credit unions. There are also online lenders and services that can help you find a potential lender.

    One quick way to find out if you qualify for a loan is to use an auto refinance network, like CARCHEX. This service contacts nearly 100 different lenders, and some might be willing to offer you refinancing even with bad credit.

    Prime Vs. Subprime

    The biggest factor that goes into refinancing decisions is the interest rate. Your credit score has a big influence in what rate lenders are willing to give you. Borrowers with excellent credit are eligible for prime loans which offer the lowest interest. People with poor credit are offered subprime loans which carry higher credit, sometimes up to 15-20% higher than prime loans.

    Things To Watch Out For

    Making inquires to multiple lenders is acceptable, but all inquiries must be done within a 30 day period. Services like CARCHEX help here since they consult with many lenders in just a few days.

    Also, do not apply for other types of credit, like home equity loans, while you are inquiring about car loan refinancing. Multiple types of inquires at the same time could hurt your credit report.

    Finally, you might be offered refinancing with a lower monthly payment, but at a very high interest rate. Try to avoid this as you will end up paying much more overall. Remember to ask about the total loan amount, and then compare this figure to your current car loan before you decide to refinance.

    What To Do If You Are Turned Down

    If you are not approved for refinancing, the first thing you should do is try to improve your credit rating. Things you can do are:

    • Make timely payments on all your credit accounts
    • Pay down any loans as quickly as possible; make extra payments if possible
    • Get your late account payments up to date as soon as possible
    • Consider seeking credit counselling
    • Keep credit card balances low or don’t use credit cards at all
    • Don’t take out a new credit card to pay off an old card

    Conclusion

    Bad credit limits your refinancing options, but there are things you can do to maximize your chances. Even if you get turned down, you can work towards improving your credit score and re-apply for refinancing in the future.

    Joe Campanella is the EVP of Business Development for CARCHEX and oversees partner relationships. Joe possesses 12+ years of experience building sales/customer service teams and securing strategic partnerships. He is a sports enthusiast who enjoys mountain biking, surfing and snowboarding in his spare time.



    How to Repair Auto Glass #auto #used


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    #

    Things You’ll Need

    Pick out any loose glass chips from the crack with the razor blade.

    Clean the area thoroughly with a damp cloth.

    Dry the area completely with a clean cloth, using a hairdryer if necessary to remove all the water from the crack.

    Center the suction cups around the center of the crack or chip, suctioning them firmly to the car.

    Insert the tube into the center of the suction cups, making sure that it is secured as tightly as possible.

    Pour the repair material into the tube.

    Insert the plunger into the tube and push down on it, squirting the repair material onto the chip. The pressure will cause the material to squirt into the base of the chip and throughout any cracks.

    Wait 1 minute to allow the repair material to fully fill the cracks, then remove the tube and suction cups.

    Place the film that was included in the repair kit over the crack or chip.

    Use the edge of the razor blade to flatten the film and the repair material completely, pushing the excess resin into the unfilled portions of the crack.

    Wait 15 minutes for the repair material to dry fully.



    How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties


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    How to Lease a Car and Get the Best Deal

    Tips

    • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
    • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
    • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
    • Related How-Tos

      Feedback

      A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

      To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

      Leasing a car has some drawbacks, however. Among them:

      • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

      • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

      • Lease terms can carry steep penalties. You may have to pay penalties if:

      -You exceed the number of miles in your lease contract.

      – You fail to keep the interior and exterior of the car in good condition.

      – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

      – You want to return the car before your contract expires.

      Does a lease make sense for you?

      Leasing is more beneficial than buying when you:

      • Don’t have the cash to buy the car.

      • Want to drive a vehicle that’s out of your purchase price range.

      • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

      • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

      • Expect to lease another car when your vehicle’s current contract expires.

      Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

      How to Lease

      Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

      Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

      Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

      Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

      Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

      Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

      Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

      Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

      Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

      Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

      Related WSJ Articles and Blog Posts:



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    Other People Are Reading

    Be Informed

    The more accurate your assessment of the dealer cost, the better prepared you ll be to start negotiating. Start with the dealer invoice, which is the official price the dealership paid for the car. Check websites like Edmunds, KBB and AutoTrader, which track the invoice price and any dealer incentives offered by the manufacturer. These incentives lower the effective cost to the dealer. Another factor that lowers the dealer’s real cost is the holdback — a refund the manufacturer gives the dealership once the car is sold, often provided by the factory on a quarterly basis. Holdbacks are harder to determine, but they typically represent 2 to 3 percent of the purchase price. This means that the dealer invoice is 2 to 3 percent higher than what the dealer will ultimately pay.

    Negotiate by the Numbers

    Once you have a sense of what the vehicle cost the dealer, you can come up with a price that meets your needs and gives the dealership enough profit to accept it. While you’ll be able to use dealer incentives as a tool to lower the sale price, most dealers won t negotiate based on the holdback. But knowing about the holdback gives you ammo when the salesman claims he s not making any profit on the sale at your proposed price. In addition, check auto buying websites to see what buyers are paying in your area. This gives you a price range that dealers have accepted.

    Time It Right

    Dealers sometimes have extra incentive to sell certain types of vehicles at specific times of year. One example that s easy to predict is the end of the model year. Salesmen need to move cars off the lot at the end of the year to make room for next year s models, particularly if that model is undergoing a redesign or if new features will be added in the coming year. The manufacturer in those cases may offer extra dealer incentives that can help salesmen give you the best possible price. If you’re flexible in your timing, buying a new car under these circumstances can save you a lot of cash.

    Get the Best Rates

    A great price on the vehicle doesn t mean much if you re paying more than you should in financing charges. Don t rely on the dealer for your financing. Check rates with your bank or credit union, and obtain preapproval before shopping. Many lenders even give you a check for your preapproved amount that you can use to buy the car. That way you won’t be pressured into taking a comparatively poor financing offer from the dealership to drive away with the car.

    Look Around

    Even if you ve fallen in love with a particular model, there are identical cars at each dealership in your area and across the country if you re willing to look farther away and have the car shipped. Play one dealership off against another, so they’re bidding to win your business. Get online price quotes from every dealer within a few hours’ driving distance. You may not be eager to drive across state lines for a better deal, but the salesman at the local dealership won’t know that.

    No Unnecessary Add-ons

    You ll spend a lot of time preparing to buy a car, and the negotiating process can be draining. Don t give up your hard-won results at the finish by agreeing to purchase extras like rustproofing, undercoating or sealant. These overpriced perks represent extra profit for the dealer, as do flashy features that are cheaper if purchased and installed after you ve bought the car.



    How To Prep Your Car for Long-Term Storage #second #hand #cars #uk


    #auto storage
    #

    How To Prep Your Car for Long-Term Storage

    1 of 4

    There are a number of times when people need to store a vehicle for an extended period of time. Maybe you have a convertible that you love to drive in the summer, but winter is on the way. Or perhaps you’re going to leave town for a job or an extended vacation. Maybe you are in the military and are being deployed overseas.

    Whatever the reason for your time away from the vehicle, you’ll need to put it in storage. If you simply let your vehicle sit on the street or in a garage for an extended period of time, you may return to a dead battery or worse yet a damaged engine, ruined tires and a rat’s nest under your hood.

    Here are important steps to take before you store a vehicle. They will preserve the life of the engine and ensure that your car starts when you return to it.

    Keep It Covered

    A garage is the ideal place to store a vehicle. This will protect it from the elements and keep it at a temperature that’s relatively stable. If you don’t have a garage and you can find accommodation at a reasonable price, consider putting the car in a public storage facility.

    If you have to leave the car outdoors, consider getting a weatherproof car cover. This will help keep the car clean and dry.

    Clean It Up

    It may seem counterintuitive to get the car washed when you’re putting it away for months, but it is an easy step and one that shouldn’t be overlooked. Water stains or bird droppings left on the car can damage the paint. Make sure to clean the wheels and undersides of the fenders to get rid of mud, grease or tar. For added protection, give the car a coat of wax.

    Change the Oil

    Skip this step if you’re only storing the car for a week or two. Consider getting the oil changed if you will be storing the vehicle for longer than 30 days. Ford recommends this in its owner’s manuals, saying that used engine oil has contaminants that could damage the engine.

    Top Off the Tank

    This is another long-term car storage tip. Fill the tank with gas if you expect the car to be in storage for more than 30 days. This will prevent moisture from accumulating inside the fuel tank and keep the seals from drying out. You should also purchase a fuel stabilizer such as Sta-bil. to prevent ethanol buildup and protect the engine from gum, varnish and rust. The fuel stabilizer will prevent the gas from deteriorating for up to 12 months.

    Keep It Charged

    An unattended battery will eventually lose its charge. Get someone to start the car every two weeks and drive it for about 15 minutes, if possible. Driving the car periodically has several benefits. It will maintain the battery’s charge, help the car “stretch its legs” and keep the engine and other components properly lubricated. It is also a good idea to run the air-conditioner to keep the parts in working order and the air quality fresh.

    If you cannot arrange for someone to start the car, there are two other options. The low-tech solution is to disconnect the negative battery cable. You’ll likely lose the stereo presets, time and other settings. If you want to keep those settings and ensure that your battery starts the moment you return, purchase a battery tender, also known as a trickle charger. This device hooks up to your car battery on one end and plugs into a wall outlet on the other. It delivers just enough electrical power to prevent the battery from discharging.

    Don’t Use the Parking Brake

    It’s usually a good idea to use the parking brake, but don’t do it when you leave a car in storage. If the brake pads make contact with the rotors for too long, there is a chance that they might fuse. Instead, purchase a tire stopper, also called a chock. to prevent the car from moving.

    Prevent Flat Spots

    Make sure your tires are inflated to the recommended tire pressure. If a vehicle is left stationary for too long, the tires could develop flat spots as the weight of the vehicle presses down on the tires’ footprints. This process occurs at a faster rate in colder temperatures and with vehicles equipped with performance tires or low-profile tires.

    In some cases, simply having someone drive the car for a while will bring the tires up to their normal operating temperature and get rid of any flat spots. In more severe cases, a flat spot can become a permanent part of the tire and it will need to be replaced.

    If your car will be in storage for more than 30 days, consider taking the wheels off and placing the car on jack stands at all four corners. This step requires more work, but it can save you from needing a new set of tires. Your tires will be in much better shape when you return if they haven’t had the weight of the vehicle resting on them for a month or more.

    Keep Critters Out

    A garage will keep your car dry and relatively warm. Unfortunately, those are also two things that make a garaged car attractive to rodents. There are plenty of places in your car for critters to hide, and plenty of things for them to chew on. Try to cover any gaps where a mouse could enter, such as the exhaust pipe or an air intake. Steel wool works well for this. Next, spread mothballs or cotton swabs dipped in peppermint oil along the perimeter of the vehicle. The smell is said to drive mice away.

    If you want to take a more proactive approach, lay down a few mousetraps and some rat poison. Just make sure someone can check the garage periodically, in case there are some casualties. Otherwise, you’ll have to deal with a smell much worse than mothballs when you take the car out of storage.

    Maintain Insurance

    You might be tempted to cancel your auto insurance when your vehicle is in storage. Although that might initially save money, there is a chance that the insurance company will raise your rates due to the gap in coverage, which could cost you more in the long run. This can vary based on where you live and who your provider is, so contact your insurance company to see what options are available to you.

    Get Back in Action

    Here’s a checklist of what to do when you’re ready to bring your vehicle out of storage:

    • Check under the hood for any evidence of rodents. Look for chewed belts, hoses, wires or nests. If you covered the muffler or air intake, remove that material before you start the car.
    • Check the windshield wipers to see if the rubber is cracked or brittle.
    • Check tire pressure and inflate the tires to the recommended specs.
    • Check the brakes. Rust may have accumulated on the rotors. In most cases, this should go away after you drive the vehicle for a short time.
    • Check fluids to make sure there have been no leaks and that they are at the recommended levels.
    • If the battery cable has been disconnected, make sure that you reconnect it and that the battery terminals are clean.
    • Wash your vehicle to remove any dirt that may have accumulated.


    How To Buy A Second Hand Car – Used Car Guide – Allianz Australia #auto #audio


    #buy second hand car
    #

    Buying a second hand car from a private seller

    When a car is purchased from a licensed automotive dealer a warranty must be provided to show that there is no money owing on the car. However, when purchasing from a private seller there are no guarantees of this sort i. Without this warranty, your risk of being scammed is ultimately dependent on your own judgment, knowledge ii and research. This guide has been written to equip you with useful information before you purchase your next used car from a private sale.

    Is there money owing on your car?

    Be safe rather than sorry; make sure that the used car is debt free. It is always good to check that any finance owed on the car has been completely paid off. The Register of Encumbered Vehicles (REVS) in your state or territory holds information about motor vehicles that have money owing on them. It is important to run a REVS check on the car you intend to buy, as a failure to identify any money owing on the vehicle may render you liable for the debts owed and at worst could result in the repossession of your purchased car iii .

    There are several ways to run a REVS search. One relatively simple option is to conduct an nationwide online search at Revscheck.com.au. Alternatively you may be able to conduct a REVS search via your respective state government consumer protection website such as the QLD or NSW Fair Trading sites .

    To run a REVS search, make sure you have the following details: the Vehicle Identification Number (VIN), the registration number or chassis number and the engine number.

    According to new legislative reforms, in early 2012, REVS will move to the Personal Property Security Register (PPSR). which will enable you to conduct national research on the car you are interested in just by entering your vehicle’s unique serial number iii. The serial number may also be referred to as a vehicle identification number (VIN) that appears on your car registration papers.

    Watch out for fraud

    A few things can help you to decrease the risk of becoming a fraud victim. First of all, ask the seller for a current certificate of registration and crosscheck the vehicle s VIN, chassis and engine number. Demand to have a copy of a current safety report of the vehicle that outlines the roadworthiness of your vehicle. Depending on the state you live in, the safety report of your car may be named differently, for instance in New South Wales it s called a Safety Check Report v. in Victoria it s known as a Vehicle Information package vi and in Queensland it s the Safety Certificate vii. Another important step is to make sure the person selling the car is the car s legitimate owner. Determine this by asking for the seller s driving licence or any other forms of identity be thorough with this, ask for more than one form of identity if possible.

    The precautions outlined above may protect you from getting ripped off. However, apart from foisting a stolen car or an accrued debt upon you, car scammers may employ other strategies to con you.

    Odometer tampering is a fraud to watch out for viii. Just last year in Australia, an unlicensed motor dealer was charged with a fine of more than $37,000 for this crime and the illegal sale of vehicles ix. Others have also been prosecuted for rolling back the mileage recorded on the odometer x. with a Queensland car mechanic found to have illegally slashed more than four million kilometres off actual mileages of written-off cars xi .

    With the emergence of digital odometers, odometer tampering fraud may be hard to detect even for the highly skilled mechanic. To combat this scam, ask the private seller for the car s service log book or previous service invoices they should reveal a recorded history of the used car s odometer readings. Look for tell-tale signs and be suspicious if the private seller cannot provide you a service log book or service invoices. Armed with the knowledge of the car s mileage history, you may be in a better position to detect any car history inconsistencies and find out if the odometer has been rolled back.

    Score a deal

    With these simple tips in mind, you may increase your chances of finding and purchasing a hassle-free second hand car. There are also some useful checklists online which you can follow, such as this Car Buyer’s Checklist .

    After putting in such a great effort to obtain your new automobile, protect it by making sure your investment is financially secured with car insurance .



    How to buy a second-hand car #advance #auto #part


    #buy second hand car
    #

    How to buy a second-hand car

    Like couture, there are many advantages in buying things second hand. There’s your contribution to the environment (lessens the carbon footprint of producing the same item) and of course the cost. It goes the same with cars. There is always a premium of buying something brand-new.  The moment you drive off the dealership your car depreciates about 20 percent of its purchase price. Although some people feel strongly about having first dibs on items or being the first to have the latest model, buying a used car certainly has its advantages. Buying a new car is like buying in the boutique for the latest season’s offering while a used car is like buying in an outlet store, where prices are slashed but it’s a few seasons old.

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    Like a boyfriend, more mileage means more issues; the more ex-girlfriends, the more girls to fight about. Like any machine, there’s a lot of wear and tear that can happen with extensive usage. A car with 20,000 km will probably run for about 25 percent less than brand-new.  Check the steering wheel and the pedals to see if the extent of use matches the mileage. If the odometer says a couple of thousand miles, while these two items looked like it was used since the shoulder pads was an in thing, there’s a big chance that your odometer was tampered with.

    Signs of damage

    Damaged goods always have baggage. For cars, this will be the cause of a lot of heartache and money lost for repairs. Inspect the car for any discolorations or overspray of paint colors. Open the doors and see if there is a discrepancy on the outside and inside color. Inspect if the color shades are the same all throughout the car. Another telltale sign is the license plate. See if there are dents or signs that it was crumpled and straightened out. Ask if there was a change of plate number and why. Also check the lock of the trunk, see if the mechanism is working properly and if not ask why. Usually when you are rear ended, and the trunk lid was not damaged, they will only change the bumpers, the misalignment of the latch can be the end result.

    Behavior when things get bumpy

    Like any relationship, before the commitment, comes the test drive; when you test-drive a used car, you need to see how it rides in a bumpy situation. Find a regular hump where you can drive the car a little faster than usual. Make sure it’s a hump that is big enough to activate the shocks of the vehicles and small enough not to speed bump the car into the air. This exercise will show if there are some loose joints or clanking noise. Check also all the gears (MT) and modes (AT) to make sure there are no warning lights setting off. Check also the windows, side mirrors, switches, etc.

    After you have done your test drive, check under the vehicle if there is some form of liquid leaking. If its water, it may just be the air conditioner or possibly a leak from the radiator. If it is from the radiator, then the vehicle may be prone to overheating. If there are oil leaks, then this is more serious and sets off a red flag for purchasing as well.

    Where they go for repair

    Cars bought first hand from the dealership usually have a repair record with the dealership. There you can see what kind of repair and maintenance is done. A car that is maintained in the dealership has an advantage that there is no replacement or non-endorsed parts on the vehicle, which can sometimes be a cause of a problem later on.

    Check for ‘red flags’

    Ask for a copy of the OR and CR. You can either text Traffic Management Group (TMG number: 2600) to see if this car is clean or a stolen one.  You can also check if this car is a recovered car, which usually results in a change of plates. Check if the chassis and engine number match the records as well.

    Where the cars are

    Some good places to scout for cars are your Sunday classified ads, sulit.com and kotse.com. Although it may seem convenient to go to the used-car lot, you need to be extra-stringent in screening the vehicles.  Usually before they display the vehicles, they do some detailing and repairs that can mask problems about the vehicle, make sure you ask what kinds of repair were made to the vehicle beforehand.

    Also good second-hand vehicles are the manufacturer-guaranteed pre-owned vehicles. Most of the manufacturers have pre-owned vehicle programs. Although the price is a little higher than your usual straight to owner transaction, you would have the peace of mind that the manufacturer has checked the units to be in good condition before it was traded in.

    Make sure you know the going rate of that particular year model car.   Call a couple of similar vehicles and see how much people are willing to sell the unit. Go to the local dealership and see if they have the same year model vehicle and ask for the price.

    Be prepared for some refurbishing

    Accept that whatever vehicle you buy, you would need to do some work on it, whether it’s an extensive check-up, tune-up or change of brake pads.  You would need to shell out money to make sure it runs in tiptop shape.  This will also help you diagnose problems or parts that need to be replaced that if left unchecked will cause a bigger problem later on.

    Consider the resale value

    There are some car brands that have very low resale value. This makes them a good candidate for buying them second hand. Cost of repair, gas consumption, availability of parts, demand and brand usually dictate resale value. Brands like Toyota, Honda and Mitsubishi have good resale value due to their extensive network and having the longest relationship with the Filipino consumers. Expect to pay more for these vehicles.  Relatively new brands such as Hyundai, Ford and Subaru are catching up in terms of brand values; they are good candidates to consider as well.

    Buying used premium cars

    High-end luxury cars, on the other hand, offer some sort of balancing factors. You can usually buy at a better deal, but will be leveled later on with expensive maintenance and repair.

    In the end, you must consider how much work the car is in for. If you would be working the vehicle to the ground like a slave master, try to go for brands that are known to be reliable workhorses. But if it’s just going to and from the office, which is about 30 minutes to one hour away, you can include styling and form as part of the requirements. Used cars can be your best friend as long as you know how to mix style, functionality and cut throat bargaining.



    How to Get Bank Auto Loans with Bad Credit. #auto #part #stores


    #bad credit auto loan
    #

    How to Get Bank Auto Loans with Bad Credit

    You may be here if you have bad credit and are looking for bank auto loans. People with bad or no credit have a harder time obtaining a car loan than people with good to excellent credit. However, do not fret if you have really bad credit because there are options available to you. People have different reasons for having bad credit, such as irresponsible spending habits, or unexpected medical bills. Regardless of your situation, there are lenders that are available to people with less than admirable credit ratings. These lenders specialize in bank auto loans for people with bad credit and will be able to work with you so that you can obtain a loan for a new vehicle. Your credit history is not the only determining factor when trying to get approved for a loan. Besides your credit history, some things that a private auto loan lender will look at are; current monthly earnings, duration of job, and your financial situation.

    Applying Online Many people who have no credit are ashamed to ask for a loan and give up before they even try. Did you know that there are many lenders on the Internet that are willing work with people that do not have a credit score? As a consumer with no credit, all you need to do is to fill out an online loan application and have sub-prime lenders compete for your business. The best way to get a bad credit bank auto loan is to fill out as many online applications as possible and see which lender will bite .

    Funds for Down Payment Another factor of how much you will be able to receive within your auto loan package is the amount of money that you have for the down payment on the car you are attempting to buy. Remember that a down payment is a very important determining factor when getting accepted for a loan with no credit, because a higher down payment means that there is less risk on the lender. Also, a large down payment can prove to the lender that you are a responsible individual who knows how to save and will provide evidence that you are improving your credit score.

    Seek a Co-Signer The last factor when trying to get bank auto loans with bad credit is to seek out a co-signer. A co-signer will help out your cause and will increase your chances of getting a loan. The reason why a co-signer helps when trying to get private auto loans is because they are partially responsible for the loan and the lender will also look at their income as a determining factor when approving your loan application.

    Remember that there is hope for you if you are trying to get bank auto loans with bad credit. If you follow the steps of applying for loans online, increasing your down payment, and obtaining a co-signer, then you will most likely get approved for a no (or bad) credit private auto loan.



    How to Compare Car Insurance Quotes #guaranteed #auto #financing


    #auto insurance quotes comparison
    #

    How to Compare Car Insurance Quotes

    Published: September 2012

    Getting quotes from auto insurance providers is easy. You can pick up the phone and talk to an agent. or you can get your quote right on the insurer’s website. These days, you can get an accurate idea of how much car insurance will cost you just by punching in a few figures on your computer. But once you’ve got a handful of quotes in front of you, how do you determine which policy will suit you best? Here are a few tips to help you effectively compare car insurance quotes.

    Understand that cost isn’t everything.

    When you first start comparing auto insurance quotes, it may be tempting to base your decision on the “bottom line:” Which policy will cost me the least amount of money out of pocket? Some people don’t want to spend too much time shopping for car insurance and for this reason, price is often the sole determining factor. But, price is not the only thing to consider when you’re trying to get the most coverage for your money. If you’re really interested in figuring out which auto insurance provider will offer you the best bang for your buck, you have to look beyond dollar signs and pick through the fine details that separate one from the other.

    Get all of your information in order.



    How to Become an Auto Mechanic #auto #transport #services


    #auto mechanics
    #

    Other People Are Reading

    Education and Training

    You can find some auto mechanic jobs with just a high school diploma. However, some employers look for applicants with degrees in automotive services from community colleges or trade schools. These programs offer increased knowledge and hands-on training. It typically take just six months to a year to complete a vocational program, according to the U.S. Bureau of Labor Statistics. Courses include computers, math and repairs. A few years of on-the-job training is typical before you get turned loose to complete work as well.

    Certifications and Abilities

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    • Photo Credit XiXinXing/XiXinXing/Getty Images

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


    #auto interest calculator
    #

    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.



    Helpful Tips on How to Get a Car Loan from Nationwide #automobiles


    #national auto finance
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    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Get Helpful Information on How to Get a Car Loan

    We understand that the process of getting a car loan can be confusing. That’s why we’re prepared to help you learn how to get a car loan and make smart decisions every step of the way.

    Car financing tips

    If you want to lease or buy a new or used car, first you should think about how you’re going to finance it. Auto loan financing can be a great way to afford a new car, but it’s important to prepare yourself as much as possible before making your purchase. Start by using our auto loan vs. car lease calculator to help you determine which option is right for you. We know you’re anxious to start driving a new car, but don’t lose sight of the investment.

    Getting a car loan through a dealership is not always the best option, as you can wind up paying more than necessary. Consider getting preapproved for your auto loan from a bank instead.  By knowing how much financing you have before you go to the dealership, you can keep the focus on the price of the car. Plus, being preapproved for a specific amount can keep you from being tempted by a car that’s above your budget.

    Know your credit score

    Your credit score has a large impact on the interest rate you receive for your auto loan. When you apply for a loan, lenders will run a credit report that looks into factors such as your payment history, the length of time you have been using credit and the amounts owed. The higher your credit score, the lower your interest rate may be. Review your credit score and look for any flaws in your payment history of loans, credit cards or other debt. If you can delay buying a new car for a little while, spend some time improving your credit score by making regular payments and paying off existing debt. By doing so, you’re likely to get a better interest rate on your auto loan, which means paying less on what you borrow.

    Review your budget

    Take a look at your budget to determine the amount of a monthly car loan payment that you can comfortably afford. Knowing what is and isn’t within your means will help you stay on track during the car loan financing process. You can also easily figure out your monthly car loan payments with our auto payment calculator.

    Compare prices

    If you know the make, model and year of the car you want to finance, do some price comparisons to estimate the amount of the auto loan you would need. If you don’t know what kind of car you want to buy, you can get preapproved for an auto loan using the same application. This means that when you find the right car, you’ll already have the financing in place to buy it.

    Apply for car loan financing

    At Nationwide Bank, you can finance your car entirely online at your convenience. It takes just a few minutes to get preapproved. After that, you can use Nationwide Auto Shopping Service to learn what people in your area are paying for similar makes and models. Once you’ve found the car you want to buy, you can complete the loan and sign your loan documents online.

    Save when you choose automatic loan payments

    Sign up for automatic payments on your car loan instead of paying by check each month. At Nationwide Bank, we offer a 1% discount on auto loan rates for people who choose automatic payments. That means you can save money and maximize convenience. Plus, you can choose when to make your monthly payment so it fits within your budget.



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


    #bankrate auto loan calculator
    #

    Required Annual Income:

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

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

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

    Helpful Answers are Ready:

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

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

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

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

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

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