Income Protection Insurance – Instant Online Quote, income protection insurance quote online.

#Income #protection #insurance #quote #online


Income Protection Insurance – Product Guide, Information, Instant Online Quotes and Apply Online Today

What is Income Protection Insurance?

Have you considered how you would cope financially if you could not work due to an illness or disability? State benefits will only pay 88.45 (as of June 2016) per week for a maximum of 28 weeks and that is if you are entitled to claim. How would you make the mortgage payments, pay bills, supply for your family and buy petrol, food, etc.

Income Protection Insurance, also known as Income Protection, Income Insurance or Income Replacement Cover, provides you with a tax free monthly income until your selected retirement age (usually between 50 and 70) if you are unable to work due to an illness or disability.

The premiums are calculated based on your occupation, age, health, estimated retirement age and the amount/level of cover that you choose. When applying for cover you will need to select a deferment period, this is usually 4, 8, 13, 26 or 52 weeks, and represents the amount of time that you will need to be off work before you can claim. Please note that we also offer deferment periods of 1 day and 1 week, if you are interested in these options please Contact Us.

Income Protection Insurance is often mistaken for ASU (Accident, Sickness and Unemployment) Cover. Income Protection provides long term protection of income for illness or disability, whereas ASU provides short term cover for Accident, Sickness and redundancy. For more information regarding the differences between these policies, please view our online comparison here.

Here at Top Quote Online we allow you to instantly compare Income Protection Policies from the UK’s leading providers through use of our advanced online quotation system. We are one of the leading brokers for Income Protection Insurance in the UK and you can either get an Instant Income Protection Quote Online or speak to one of our qualified advisors by calling us free on 0808 1782 777.

I am Self Employed, can I Protect my Income?

Most self employed persons whether as a sole trader or partnership are able to take out income protection cover, however you must be extremely cautious with regards to eligibility and income. Firstly your income is defined as your ‘net profit’ declared on your self assessment forms: This is your income before you pay tax but after your business expenses have been deducted. At the time of claim income protection is based on your income (normally over the last 12 months or last tax return) so you need to keep an eye on your benefit to ensure you do not become over- insured further down the line.

I am a Company Director, can I Protect my Income?

Yes, Company Directors are technically employees of their own companies so they can take cover out. You will need to be careful if you take dividends as different insurers look at them differently. Many providers will consider your dividends alongside your salary in the event of an incapacity claim, however if you continue to draw dividends from the company during incapacity then your claim may be reduced. It should be noted that some insurers will look at an average of the last 12 months and some the last 36 months. Some insurance companies will not take dividends into account at all.

I work Part Time, can I Protect my Income?

If you work more than 16 hours per week most companies will allow you to take out cover, but you must make sure you do not over insure yourself. Remember you can usually insure yourself for around 50% of your gross annual income although some companies do slightly more than this.

I am Unemployed, can I Protect my Income?

Typically you cannot take income protection insurance out if you are unemployed. Although some companies will offer a policy called House Person’s Income Protection which covers a set monthly benefit if you are unable complete a number of daily actives. The alternative to this of course is to look into Critical Illness Cover which is not financially underwritten.

How Much Income Protection Insurance do I Need?

Most income protection companies in the UK offer a maximum of 50-65% of your annual salary, however based on current legislation you do not pay tax on these benefits. To assess how much cover you require, we recommend that you figure how much money you require per month, i.e. mortgage payments, rent, bills, food, etc. and use this as a starting figure. Most people insure around 50% of their income, however some people only decide to cover mortgage payments. If you require any advice on this you can contact one of our experienced advisors by using the details on our Contact Us page.

What is Index Linked Income Protection Insurance?

This means that your cover will increase each year in line with inflation. Do be careful though as your premiums will also increase if you choose this option. Typically this is a good idea as 1000pm now will not be worth the same in 10 years time. Again you need to be careful that you are eligible on an ongoing basis with index linked cover as you will still be assessed at point of claim based on your taxable earnings.

Can I Claim in Addition to Sick Pay or Other Policies?

Most policies will have a clause that states they will pay up to a certain percentage of income minus any other income you may receive. This can include other insurance policies and/or sick pay, it may also dependent upon the chosen policy, class benefits such as jobseekers allowance into account. For this reason it is always worth speaking to an advisor before arranging income protection.

Latest Income Protection Insurance Articles

Easy Ways To Protect Your Income

published on the 19th June 2015 by Kathryn Knowles

At some point in all of our lives, it’s very likely that we will get ill and need some time off work. It’s just a fact of life and whilst there isn’t a lot we can do to completely prevent it, there are things we can do to make it a little easier on ourselves and our families. The aim is very simple. if we don’t work (for most of us anyway). read more

Income Protection Insurance for the Short and Long Term

published on the 10th March 2015 by Kathryn Knowles

Income Protection Insurance provides a monthly income in the event that you are unable to work due to an accident or significant illness. It is possible to include involuntary redundancy on some policies depending upon the options that you go for. Income Protection Insurance is available in two primary forms: long term and short term Income. read more

Why Choose Cura Financial Services Ltd for Your Income Protection Insurance

The benefits of using Cura Financial Services Ltd are?

  • Free online quotes
  • Easily tailor and filter your quotes to find the best price and product
  • Apply online for your cover once you find your suitable cover
  • Honest friendly advice from our qualified advisors if required
  • We do not charge for arranging or advising on policies.

Cura Financial Services Ltd provides a comprehensive online facility to compare income protection policies from the leading insurance companies. These providers include, but are not limited to, Liverpool Victoria, Aviva, Legal General, Friends Life, Vitaliy Life and Ageas. Our quick and user friendly quote engine allows you to easily change quotes so you can try different benefits, deferment periods, terms, etc.

In addition to being able to quote online you can contact our offices free of charge on 0808 1782 777 to receive honest and high quality advice from our fully qualified, friendly advisors. We do not ‘hard sell’ under any circumstance and are more than happy to email or post any information that you require.

Insurance Quotes

Jump to:

Income protection insurance quote online

Copyright 2005-2018 Top Quote Online is a trading style of Cura Financial Services Ltd for internet purposes only. Cura Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

Income protection insurance quote online

Income protection insurance quote online


Compare Quotes Online Life Insurance, Income Protection Australia, Insurance Watch Australia, personal income insurance.

#Personal #income #insurance


Income Protection insurance

Life insurance TPD

Personal income insurance

COMPARE QUOTES

Life Insurance Quotes (including TPD)

Trauma Insurance Quotes

Income Protection Insurance Quotes

View instantly online

CALCULATE COVER

Our online life insurance calculator

estimates how much you may need of:

Life, TPD Trauma Insurance

Income Protection Insurance

COMPARE INSURERS

GET ADVICE

Unsure what insurance is right for you? Our advisers can recommend the best

Life/TPD/Trauma insurance and Income Protection policies for your needs

Personal income insurance

Personal income insurance

Monthly Premiums for $500,000 life cover for a 40 year male non-smoker as at 4th January 2018 (excludes membership or other discounts and before the Insurance Watch 20% Reward*)

Many of the insurance companies we feature will allow your Life/TPD and

Income Protection premiums to be paid out of your existing superannuation fund.

Some insurers will even give you a 15% discount if you pay in this way. Interested?

Tax deductions can be handy at tax time.

Did you know that income protection

premiums are fully tax deductible.

This means when considering the cost

of income protection you should

look at the after tax cost.

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

Personal income insurance

“I don’t know how I can thank you for all your support and guidance through the whole claims process. One thing I will be doing is telling all my family and friends if they need life/Trauma insurance is to go through you and Insurance Watch. Insurance Watch is a credit to the insurance industry.”

“I have been meaning for the past month to email and thank you for all your help at such short notice at the end of February. Everything is now in place with my life insurance and I feel so much better!! I hope you don’t mind, but I have passed your details on to a friend of mine.”

“Thank you for coming back to me so swiftly. It has been a pleasure dealing with you and an exceptionally efficient process & I will definitely go first to Insurance Watch for any future needs. (Feel free to quote me on that!)”


Auto Insurance for Low Income People – Insurance Articles and RSS Feeds #auto #locksmith


#low cost auto insurance
#

Auto Insurance for Low Income People

Got a low income? Looking for affordable car insurance?

People with low income can find affordable auto insurance prices for the coverage they need by comparing quotes from a variety of leading companies. Locate the cheapest rates and purchase a policy online in minutes.

Those working with a tight budget due to low income do not have to go uninsured. There is a way to find low cost car insurance by completing an instant and free rate comparison without the hassle of contacting different companies individually. As a one stop shop, OnlineAutoInsurance.com gives visitors instant access to immediate quotes from many carriers so that you don t waste time repeatedly completing quote forms or calling an array of phone numbers.

Whether looking for low income liability car insurance (mandatory in most states) or a bit more coverage, the cheapest premiums may be offered by a different company since each driver is different in many ways. For example, a young driver may get the lowest quotations from one company and another driver considered to be high risk may find the lowest rates elsewhere.

This is because insurers usually specialize in certain fields and will offer affordable prices for only drivers who fall into those categories. The bottom line is that we must all locate the one who can fit our limited income.

List of low cost car insurance companies:

OnlineAutoInsurance.com helps those with low income find cheap rates by comparing the prices of low cost companies such as:

  • Progressive
  • GMAC
  • Infinity
  • Bristol West
  • Western General
  • Western United
  • Explorer
  • Access General
  • Carnegie General
  • and many more.

Most affordable car insurance on market now:

The most affordable coverage provider may vary for each one of us. A good example of this is when your neighbor tells you that he found the lowest rates from a certain company and you decide to call them, only to find out that you found cheaper rates elsewhere. Why? That s because you are a unique in many factors such as age, your driving history (time driving, violations and accidents), vehicles and coverage desired.

The solution is simple, whether you re a young student, a mature employed person, a learner driver, or any other case, it pays to shop around. It is among the most often provided tips provided by state department guides and related resources because premiums vary widely within carriers. Take advantage of OnlineAutoinsurance.com s free auto insurance quotes online and find the most affordable rates for any income restrictions you may have.

Some low income drivers with a restricted budget may be eligible for the low cost auto insurance program provide by your state. This program was designed to reduce the number of uninsured drivers who could not afford to purchase coverage due to limited incomes. This program usually provides only the minimum coverage which is mandatory or required by law.

Visit OnlineAutoInsurance.com for more information and to learn more about your insuring needs with no obligations. Read answers frequently asked questions and use a variety of free tools to ensure savings and educated decisions.

Permission is granted to republish this article, free of charge, as long as embedded links remain intact and articles are not changed, edited, or reworded.

State taxes: Wisconsin #wisconsin #state #income #tax


#

State taxes: Wisconsin

Overview of Wisconsin Taxes

The Wisconsin state income tax rate is currently 4% on the low end and 7.65% on the high end. The income tax rate varies over 4 income brackets. More on Wisconsin taxes can be found in the tabbed pages below.

Personal income tax

Wisconsin reduced both its tax rates and the number of income tax brackets beginning with the 2013 tax year. The income that falls into these brackets is shown below.

For single taxpayers, the rates are:

  • 4% on the first $11,090 of taxable income.
  • 5.84% on taxable income between $11,091 and $22,190.
  • 6.27% on taxable income between $22,191 and $244,270.
  • 7.65% on taxable income of $244,271 and above.

For married taxpayers filing joint returns, taxes are assessed at:

  • 4% on the first $14,790 of taxable income.
  • 5.84% on taxable income between $14,791 and $29,580.
  • 6.27% on taxable income between $29,581 and $325,700.
  • 7.65% on taxable income of $325,701 and above.

Wisconsin’s tax returns are due April 15 or the next business day if that date falls on a weekend or holiday.

Wisconsin offers an earned income tax credit to its residents. This credit provides a direct benefit to working families with qualifying children. The benefit amount depends on the total household income and the number of children.

Sales taxes

Wisconsin has a sales tax of 5%.

Further, 62 counties have an additional sales tax of 0.5%. Retailers who make sales subject to applicable county taxes must collect 5.5% sales tax on their retail sales.

Sales of motor vehicles, boats, recreational vehicles and aircrafts are subject to the county use tax of 0.5% rather than county sales tax based on the county in which the item is customarily kept.

Personal and real property taxes

The most common property tax assessed on Wisconsin residents is the real property tax, or their residential property tax. Wisconsin does not impose a property tax on vehicles, but does levy an annual registration fee.

The Division of State and Local Finance. or SLF, is responsible for establishing the state’s equalized values; assessing all manufacturing and telecommunication company property for property tax purposes; assessing and collecting taxes on utilities, railroads, airlines, mining and other special properties; and providing financial management and technical assistance to municipal and county governments. It also administers the state shared revenue, property tax relief payments for municipal services and the lottery credit program, and the tax incremental financing programs, along with providing property assessment administration and certification of assessment personnel.

Equalized values are based on the full market value of all taxable property in the state, except for agricultural land. In order to provide property tax relief for farmers, the value of agricultural land is determined by its value for agriculture uses, rather than for its possible development value.

Equalized values are used to distribute state aid payments to counties, municipalities and technical colleges. Assessments prepared by local assessors are used to distribute the property tax burden within individual municipalities. You can find your county’s or municipality’s equalized value on the Department of Revenue’s website.

Details on Wisconsin’s property tax system can be found in the Department of Revenue’s Guide for Property Owners .

Wisconsin has 2 programs to help people with their property taxes: the homestead credit and the Property Tax Deferral Loan Program.

  • The credit is income-based and available to renters as well as homeowners. Further information about the homestead tax credit is available by calling the Department of Revenue at (608) 266-8641.
  • The loan program is operated by the Wisconsin Housing and Economic Development Authority. or WHEDA, and provides loans to qualifying elderly homeowners to help pay for property taxes. Details can be obtained by calling WHEDA toll-free at (800) 562-5546.

Inheritance and estate taxes

Wisconsin does not collect inheritance taxes.

Wisconsin does not collect an estate tax. It will not impose an estate tax unless the federal estate tax law is modified to provide a federal estate tax credit for state death taxes.

Other Wisconsin tax facts

Wisconsin maintains an online listing of delinquent taxpayers .

Wisconsin taxpayers can use several online options, such as filing returns and checking their refund status online .

The Wisconsin Department of Revenue also administers unclaimed property. Unclaimed property is any financial asset that hasn’t had owner activity for a year or more and the holder of the asset is not able to contact the owner. In addition to traditional financial assets — such as savings and checking accounts, stock, and mutual funds — unclaimed property includes utility deposits, unclaimed wages and property resulting from a business closure. The law does not include real estate.

For more information, contact the Wisconsin Department of Revenue at (608) 266-2772, or visit its website .

To download tax forms on this site, you will need to install a free copy of Adobe Acrobat Reader. Click here for instructions.

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

2017 Bankrate, LLC All Rights Reserved.

Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

Our tools, rates and advice help no matter where you are on life’s financial journey.

Best fixed-income ETFs for 2017, best fixed income fund.#Best #fixed #income #fund


#

Fixed-income ETF All-Stars 2017

The best, low-cost fixed-income ETFs for your portfolio

Best fixed income fund

Best fixed income fund

Four of our five fixed-income picks are back. The big change, almost unanimous by the panel members, was the removal of VAB, Vanguard Canadian Aggregate Bond Index ETF, and its replacement by ZAG, the BMO Aggregate Bond Index ETF. Our panelists from PWL Capital championed this swap, but the whole panel endorsed it. As Tyler Mordy, president and chief investment officer at Vancouver-based Forstrong Global Asset Management, explains that the lower MER (0.09% versus 0.12% for VAB) was a factor, although “both funds have great liquidity and tight spreads.”

Best fixed income fundIn a blog comparing the two ETFs, PWL Capital investment advisor Dan Bortolotti said “BMO’s aggressive cost-cutting has made ZAG the cheapest bond ETF in the country, with a management fee of just 0.09%” that has been in place since June 2016. One benefit of ZAG is that BMO offers a companion fund designed for taxable accounts: the returning All-star BMO Discount Bond Index ETF (ZDB). So by using ZAG in registered accounts and ZDB in taxable accounts, investors can get similar bond market exposure with maximum tax efficiency.

However, Bortolotti cautions that VAB and ZAG have slightly different risk exposures: ZAG has 30% in corporate bonds versus VAB’s 20% corporates, which is why ZAG has slightly fewer government bonds and hence a slightly higher yield to maturity. ZAG now has more than $2.1 billion in it, passing XBB, the granddaddy of Canadian bond ETFs.

The Vanguard Canadian Short-term Bond Index ETF (VSB) retains its All-star status. While interest rates may or may not have bottomed it doesn’t seem a great time to go long yet in the bond market; as always, investment costs matter and Vanguard remains a cost leader, with VSB the cheapest in its category, according to Mordy. It’s also the most liquid such fund in the secondary market.

Best fixed income fund

BXF, First Asset’s 1-5 Year Laddered Government Strip Bond ETF, is back for a second year, based largely on its tax efficiency in non-registered accounts. And the panel retained ZPR, the BMO Preferred Share Index ETF, although Rebetez made a strong case for an actively managed alternative, HPR, the Horizons Active Preferred Share ETF. In his view, while ZPR enjoyed stronger returns in recent months, for 2016 overall, “HPR bested it, which could happen again this year.”

Global Energy Efficiency and Renewable Energy Fund – Climate Funds Update #energy #income #fund


#

The GEEREF aims to:

  • Obtain benefits from accelerated deployment of energy efficiency and renewable energy technologies.
  • Achieve high leverage of public finance by offering preferential returns to private funds.
  • Achieve high degree of financial sustainability.

The GEEREF is invested through private equity funds, that must be approved by the Investment Committee and Board of the Fund. GEEREF finance will support a broad mix of projects promoting energy efficiency and renewable energy technologies. It emphasises deployment of proven technologies including

  • Small hydro,biomass, and on-shore wind Cofiring solutions (e.g. co-firing coal and bagasse)
  • Manufacturing, energy service, trading and micro finance ventures
  • Photovoltaic.

Sub-funds are invested in:

  • 30% of the portfolio will take on High-Risk: targeting projects and SMEs in Least Developed Countries and/or small scale projects and SMEs.
  • 50% of the Portfolio will take on Medium-Risk: focusing on medium and large renewable energy and energy efficiency projects in middle-income countries.
  • 20% of the portfolio will have Low-Risk: targeting medium and large scale renewable energy and energy efficiency projects in emerging economies, economies in transition and economies with limited availability of risk capital.


Conditions and Eligibility Requirements

Focus on project funding in countries that have private sector engagement in their national policies. Prioritises small projects (less than EUR 10 million) as they are often neglected.Recipient countries must be eligible for Official Development Assistance.

Accessing the Fund

Fund management companies, financial institutions, project developers or individuals that intend to develop a clean energy investment fund or expand an existing fund into clean energy can propose seek finance. Developers of clean energy projects can also submit proposals for investment funds.

Proposals are expected to:

  • Present a financially sustainable business plan generating a fair return for investors and a realistic pipeline
  • Specify environmental and socio-economic impacts.
  • Focus on small and medium sized clean energy projects ( 30MW) and companies.
  • Require long-term patient investment capital.
  • Locally grounded, professional fund management team, preferable with a track record in the clean, energy sector, or at least the capacity to become qualified or to liaise with other parties for that purpose.

Best fixed-income ETFs for 2017, best fixed income fund.#Best #fixed #income #fund


#

Fixed-income ETF All-Stars 2017

The best, low-cost fixed-income ETFs for your portfolio

Best fixed income fund

Best fixed income fund

Four of our five fixed-income picks are back. The big change, almost unanimous by the panel members, was the removal of VAB, Vanguard Canadian Aggregate Bond Index ETF, and its replacement by ZAG, the BMO Aggregate Bond Index ETF. Our panelists from PWL Capital championed this swap, but the whole panel endorsed it. As Tyler Mordy, president and chief investment officer at Vancouver-based Forstrong Global Asset Management, explains that the lower MER (0.09% versus 0.12% for VAB) was a factor, although “both funds have great liquidity and tight spreads.”

Best fixed income fundIn a blog comparing the two ETFs, PWL Capital investment advisor Dan Bortolotti said “BMO’s aggressive cost-cutting has made ZAG the cheapest bond ETF in the country, with a management fee of just 0.09%” that has been in place since June 2016. One benefit of ZAG is that BMO offers a companion fund designed for taxable accounts: the returning All-star BMO Discount Bond Index ETF (ZDB). So by using ZAG in registered accounts and ZDB in taxable accounts, investors can get similar bond market exposure with maximum tax efficiency.

However, Bortolotti cautions that VAB and ZAG have slightly different risk exposures: ZAG has 30% in corporate bonds versus VAB’s 20% corporates, which is why ZAG has slightly fewer government bonds and hence a slightly higher yield to maturity. ZAG now has more than $2.1 billion in it, passing XBB, the granddaddy of Canadian bond ETFs.

The Vanguard Canadian Short-term Bond Index ETF (VSB) retains its All-star status. While interest rates may or may not have bottomed it doesn’t seem a great time to go long yet in the bond market; as always, investment costs matter and Vanguard remains a cost leader, with VSB the cheapest in its category, according to Mordy. It’s also the most liquid such fund in the secondary market.

Best fixed income fund

BXF, First Asset’s 1-5 Year Laddered Government Strip Bond ETF, is back for a second year, based largely on its tax efficiency in non-registered accounts. And the panel retained ZPR, the BMO Preferred Share Index ETF, although Rebetez made a strong case for an actively managed alternative, HPR, the Horizons Active Preferred Share ETF. In his view, while ZPR enjoyed stronger returns in recent months, for 2016 overall, “HPR bested it, which could happen again this year.”

Utah Social Security Disability Lawyer #salt #lake #city, #disability, #attorney, #utah, #social #security #disability #insurance, #lawyer, #law #firm, #ssdi, #ssi, #disability #benefits, #provo, #ogden, #logan, #draper, #sandy, #west #valley #city, #bountiful, #layton, #orem, #midvale, #murray, #lehi, #american #fork, #spanish #fork, #tremonton, #tooele, #brigham, #vernal, #price, #salt #lake #county, #utah #county, #davis #county, #weber #county, #cache #county, #tooele #county, #carbon #county, #northern #utah, #cache #valley, #ut, #supplemental #security #income, #social #security #disability #qualification, #ssi #eligibility, #guidelines, #appeal, #hearing


#

Welcome

Utah Social Security Disability Benefits Lawyer

At the Salt Lake City law firm of Ward Harper, Attorney at Law, we help people throughout of Utah, including Salt Lake City, Ogden, Provo, Orem, Logan, Vernal and Price, to establish their right to benefits under disability benefits programs run by the Social Security Administration. Contact our office for a free evaluation of your case.

The Social Security disability claims process can present many hurdles for people trying to establish their eligibility for benefits. I represent individuals throughout the claims process. At the third stage of the process, I represent claimants in hearings before administrative law judges to prove their disabilities and right to collect payment. I usually win by the administrative hearing stage. But if not, I appeal. I have taken cases all the way to the 10th Circuit Court of Appeals.

Success in SSDI and SSI Appeals

I have won 99% of my cases since January 2001. Through September 2010, this amounted to 940 wins and 8 losses. I have won 1665 cases since 1994. Attorney Ward Harper will personally represent you before a judge and make the decisions in your case, not an associate or paralegal.

No Legal Fees Unless We Obtain Benefits for You

I charge no attorney’s fee while we are working on your case. Our standard fee is 25 percent of past-due benefits when we collect them on your behalf, up to a maximum of $6,000, if we win before appealing to federal court, as we usually do. Future benefits are all yours. You therefore pay nothing up front to benefit from our experience and skill.

Ward Harper has focused on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) cases for his entire career as a lawyer (since 1988) and advocate for Utah Legal Services since 1984. With more than 26 years of experience and a proven record of success in Social Security benefits litigation, he can help you collect the benefits you need. Contact his office in Salt Lake City for a free evaluation of your claim .

Every legal matter is different. The outcome of each legal case depends upon many factors, including the facts of the case. An attorney’s success in past legal matters should not be relied upon to predict a successful outcome in your own case.

Miner Fleet – Financial Report #miner #fleet #annual #report, #miner #fleet #financial, #miner #fleet #revenues, #miner #fleet #revenue, #miner #fleet #financials, #miner #fleet #funding, #miner #fleet #valuation, #miner #fleet #acquisitions, #miner #fleet #income #statement, #miner #fleet #profit, #miner #fleet #profits, #miner #fleet #hoovers, #miner #fleet #earnings, #miner #fleet #annual #revenue, #miner #fleet #annual #revenues, #miner #fleet #yearly #revenue, #miner #fleet #yearly #revenues, #miner #fleet #stock, #miner #fleet #stock #symbol, #miner #fleet #stock #ticker, #miner #fleet #ticker, #annual #report #for #miner #fleet, #financial #report #for #miner #fleet, #revenues #for #miner #fleet, #revenue #for #miner #fleet, #financials #for #miner #fleet, #funding #for #miner #fleet, #valuation #for #miner #fleet, #income #statement #for #miner #fleet, #profit #for #miner #fleet, #profits #for #miner #fleet, #earnings #for #miner #fleet, #annual #report #of #miner #fleet, #financial #report #of #miner #fleet, #revenues #of #miner #fleet, #revenue #of #miner #fleet, #financials #of #miner #fleet, #funding #of #miner #fleet, #valuation #of #miner #fleet, #income #statement #of #miner #fleet, #profit #of #miner #fleet, #profits #of #miner #fleet


#

  • VC FUNDING DEALS: Full access to 91,732+ Funding Deals, including breakdowns, terms, and analysis. (View Sample VC Funding Deal. View VC Funding Search )
  • PRIVATE M A DEALS: Full access to 60,928+ M A and Private Equity Deals, including deal multiples, deal advisors, and more. (View Sample M A Deal. View M A Deal Search )
  • INVESTOR RECORDS AND EMAILS: Full access to 20,616+ Investor Profiles, including PE Firms, VC Firms, Angel Groups, & more with PARTNER & EXEC. NAMES AND DIRECT EMAILS! (View Sample Investor Report )

Miner Fleet Management Group is a privately-held dock, door, warehouse and materials handling equipment retail company. Miner Fleet Management Group was founded in 2001 and is headquartered in San Antonio, TX.

  • Warehouse Clubs & Superstores

Finding information on private companies can be painful. That’s why we created PrivCo – the ultimate private company financial research database – and why we have become the private company research provider and partner for hundreds of clients worldwide

Clients often ask us how we get our data. There’s no simple answer. Collecting private company financial data takes time, hard work, and intelligence. We are composed of people who have been in your shoes and we’re obsessed with tracking private companies. More specifically, we use a technology-assisted data gathering process to pull relevant information from thousands of different sources across the following main categories:

  • Regulatory filings
  • Legal exhibits
  • Business journals trade publications
  • News sources
  • Industry research
  • Company sources

Our primary focus is on collecting revenue and employee figures of private companies. From there, we build reports with additional information such as a business summary, recent transactions, funding history, ownership details, contact information, and anything else we can find to offer you the most comprehensive insight on private companies.

Estate Planning Council of Birmingham, Inc #estate #planning #birmingham, #estate #planners #birmingham, #estate #planning #attorney #birmingham, #al, #accredited #estate #planner, #certified #estate #planner, #personal #financial #planning, #charitable #planning, #corporate #tax #planning, #wealth #transfer #planning, #financial #planning, #retirement #planning, #executive #compensation, #deferred #compensation, #probate #administration, #trust #and #estate #administration, #business #succession, #estate #and #gift #taxation, #estate #income #tax, #securities #law, #investment #management, #will #contests, #fiduciary #income #taxation, #sale #and #tax #issues, #executive #benefits, #elder #law, #insurance, #equities, #mergers, #acquisitions, #litigation #support, #tax #defense, #attorney


#

Welcome to the website of The Estate Planning Council of Birmingham!

The Estate Planning Council of Birmingham is a multi-disciplinary professional association organized to provide educational programs and networking opportunities for estate planning professionals in the community. Established in 1960, the Council s membership is currently comprised of more than 200 attorneys, accountants, bank trust officers, life insurance professionals, and financial planners. Others who work in the field of estate planning participate as associate members.

If you are seeking guidance regarding your estate planning, please use our membership list to assemble a team of professionals who are dedicated to their estate planning practice.

Meetings: 1st Thursday of each month

September through May

The Harbert Center

2019 4th Avenue North

Guests are welcome!

Continuing Education Credit: Up to 12 hours a year if all meetings are attended.

Membership application on left side of this page (Document Library).

Initiation Fee: $100.00

Annual Dues: $275.00

UPCOMING EVENTS

September 7, 2017

TOPIC: The Generous Business: How Families Use their Business as an Engine of Generosity

Michael King – National Christian Foundation

TOPIC: Advising Clients through the Toughest Times of Life

Amy Florian – Corgenius

Medicaid and Nursing Homes – Sean W #medicaid, #nursing #homes, #assisted #living, #asset #protection, #veteran #benefits, #alzhiemer’s, #parkinson’s, #dementia, #pinellas, #pasco, #lee, #citrus, #hernando, #elder #law, #elderlaw, #dcf, #veteran #benefits, #aid #and #attendance, #spend #down, #personal #care #contract, #florida #medicaid, #medicare, #100 #days, #diversion #program, #florida #long-term #care, #medicaid #waiver, #income #cap, #income #trust, #miller #trust, #durable #power #of #attorney, #alzheimer’s, #caregiver, #va #benefits, #va #contract, #estate #planning, #wills, #trusts, #durable #power #of #attorney, #dpoa, #health #care #surrogate, #living #will, #map, #nursing #home #locations, #nursing #home #ratings


#

Getting old is not easy .

Help is on the way. A new set of challenges awaits as we grow older: Incapacity, the specter of mortality and nursing home care. Our primary focus since 1990 has been to help our clients avoid the financial ruin of long-term care expenses. The average cost of nursing home care in Florida is above $10,000 per month. If the nursing home is part of your reality, you must take action or be wiped out financially.

Quick Click and Go Links

We hope that the resources and information available on our site will help. Should you need more information or solutions including help with asset preservation and Medicaid qualification, please call our offices at 727-539-0181 and schedule a FREE consultation. We serve the ENTIRE state of Florida and teleconference or video conference with clients that cannot meet with us face-to-face.

Sean W. Scott, Esq.

Our Facebook Page

• Looking for a nursing home? Our new Florida Nursing Home Map makes it easy to find a nursing home. Now with star ratings and other data.

• New mobile site. Check it out on your iPhone and Android at FLMedicaid.com.

• NEW virtual law office at the University of South Florida Alzheimer’s Byrd Center. In addition to our offices in Pinellas county. Punta Gorda. and Inverness. The new virtual office allows us to meet directly with clients by video conference without having the client having to leave the center.

• New Facebook integration on our home page. Yay!

• Check out our aging and dementia store for a collection of books and products we find helpful for our clients including The 36-Hour Day.

​ TOTAL CLIENT SERVICE is our mission. The complexity of the issues facing aging clients and the need for integration of multiple disciplines defines and sets us apart from others who purport to do Medicaid filing or planning. These non-professionals often lack the training and experience to adequately meet the needs of the client and are often merely a way to sell financial investments to the client. Not only are the motivations questionable, but they cannot provide the legal services required such as powers of attorney, income trusts, and the complex estate planning that is necessary in every case. We serve the entire state of Florida with physical offices in Pinellas, Citrus, Lake and Charlotte Counties. Please contact us for a free, no charge, initial personal consultation, phone consult or video consult. More.

MEDICAID IN FLORIDA

An integral part of obtaining Medicaid benefits is meeting and understanding the Medicaid eligibility requirements. Income, assets, and transfers are the big three eligibility tests that the state uses to determine if you qualify for benefits. More.

Unfortunately there is a break down in our Medicare system when in comes to coverage for nursing home care. Medicaid helps fix the inadequacies of Medicare. Risk factors like Alzheimer’s and Parkinson’s make it critical to plan now, before placement if at all possible. More.

If you are looking for some quick answers to your Medicaid questions check out our Top Ten Medicaid Mistakes and The 2017 Medicaid Fact Sheet. While the issues of Medicaid are much more complex these resource are a great place to start. More…

OUR SERVICES

For over 25 years we have helped our clients preserve their assets when facing a stay in a nursing home or assisted living facility. By accessing Medicaid and or veteran’s benefits to pay for care, an entire life-time of savings are protected. More.

Everyone must have a plan in place in the event of death or incapacity. Powers of attorney, wills and trusts put a co-pilot in place and are a fundamental part of future planning. More.

Few of us have ever had to choose a nursing home or assisted living facility. To help, we have dedicated staff ready to consult concerning placement options and care plans. We also have created an on-line resource, the Florida Nursing Home Map to provide easy access to location and information on Florida nursing homes. More.

We have some great videos on Medicaid, powers of attorney, estate planning and other issues on our video page. Sometimes it is just easier to watch something than to do all this reading. Check them out. More.

If you can’t make it out to one of our live Medicaid seminars, we have a Medicaid audio recording to listen to. Note that it was not recorded this year so you will want to check out the most current Medicaid eligibility information. More.

Our passion is to educate our clients and the public. Come see a live Medicaid seminar at a location near you. Or attend our upcoming Webinars where you can participate right from your computer. Learn how to navigate the maze of Medicaid to pay the cost of care in a nursing home or assisted living facility. See our live seminar calendar. More .

For a limited time Sean’s Medicaid Handbook is available as a free download. Click to download a pdf version to read on your computer, iPad, Kindle or Nook. More . .

Undergraduate Degree vs #associate #degree #vs #bachelor #degree, #undergraduate #degree #vs. #graduate #degree: #income #and #salary #comparison


#

Undergraduate Degree Vs. Graduate Degree: Income and Salary Comparison

Undergraduate vs. Graduate Degree Salary

In general, graduates of master’s degree programs earn more than those with an undergraduate degree in similar positions. Overall, however, individuals with a bachelor’s degree earn slightly more than individuals with a master’s degree. Individuals with a professional or doctoral degree earn around $30,000 more than either.

According to 2014 data from the United States Department of Labor, U.S. workers with a bachelor’s degree earned a median salary of $69,260, while U.S. workers with a master’s degree earned a median salary of $65,330. Meanwhile, someone with a doctoral or professional degree could expect to earn around $98,940.

Salaries for college graduates vary by subject, as well as the level of degree earned. However an individual with a master’s degree can expect to earn more than an individual with a bachelor’s degree in a similar position. For instance, according to the 2015-2016 College Salary Report done by Payscale, an accountant with a bachelor’s degree earned an average salary of $46,900. Meanwhile an accountant with a master’s degree earned an average salary of $55,600.

Find schools that offer these popular programs

  • Agriculture
  • Architecture
  • Biological and Biomedical Sciences
  • Business
  • Communications and Journalism
  • Computer Sciences
  • Culinary Arts and Personal Services
  • Education
  • Engineering
  • Legal
  • Liberal Arts and Humanities
  • Mechanic and Repair Technologies
  • Medical and Health Professions
  • Physical Sciences
  • Psychology
  • Transportation and Distribution
  • Visual and Performing Arts

Salary Comparison

The table below shows the average starting salaries according to Payscale’s 2015-2016 College Salary Report:

  • Doctorate
      • Ph.D. in Business Administration
      • Ph.D. Health Sciences
      • Ed.D. in Educational Leadership
      • Ph.D. in Educational Leadership
  • Master
      • Master of Arts in Education
      • Master of Business Administration
      • Master of Science in Health Sciences
      • Master of Science in Human Resources Management
      • Master of Science in Information Technology Management
      • Master of Science in Emergency and Disaster Management

Get Started with Trident University

4 Strayer University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Strayer University

5 Concordia University Portland

Minimum eligibility requirements:
  • Applicants must have a Bachelor’s degree or higher.
School locations:
  • Doctorate
      • EdD in Educational Administration
      • EdD in Teacher Leadership
      • EdD in Higher Education
      • EdD in Transformational Leadership
      • Ed.D. Professional Leadership, Inquiry, and Transformation
  • Master
      • MEd in Curriculum & Instruction – Leadership
      • M.Ed. in Curriculum and Instruction – Online Teaching and Learning
      • M.Ed. in Curriculum and Instruction – STEAM (Science, Technology, Engineering, Art, and Math)
      • MEd in Curriculum & Instruction – Methods & Curriculum
      • M.Ed in Curriculum & Instruction – Common Core State Standards
      • M.Ed. in Curriculum and Instruction – Early Childhood Education

Get Started with Concordia University Portland

6 Colorado Technical University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Colorado Technical University

7 Saint Mary’s University of Minnesota

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:
  • Master
      • Master of Arts in Health and Human Services Administration
      • Master of Arts in Human Resource Management
      • Master of Arts in International Development
      • Master of Arts in Organizational Leadership
      • Master of Arts in Special Education
      • Master of Science in Accountancy

Get Started with Saint Mary’s University of Minnesota

8 Herzing University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Herzing University

9 University of Delaware

Minimum eligibility requirements:
  • Applicants to University of Delaware online programs must have a high school diploma or the equivalent. Additional requirements may vary by program.
School locations:
  • Master
      • Online Master of Public Administration
      • Master of Business Administration
      • Master of Business Administration – Finance
      • Master of Business Administration – Healthcare Concentration
      • Master of Business Administration – International Business
      • Master of Business Administration – Triple Concentration

Get Started with University of Delaware

10 Wilkes University

Minimum eligibility requirements:
  • Applicants to the RN to MS programs must have an Associate’s degree or higher. All other Master’s programs require a Bachelor’s or higher. The DNP program requires a Minimum of a Master’s degree.
School locations:

Age Restricted Apartments Senior Resource Senior Apartments #apartments, #rentals, #apartment, #senior #living, #affordable, #low #income #housing, #age #restricted #apartments, #housing, #real #estate, #seniors, #aging, #health, #medical, #retirement, #insurance, #finance, #financial #planning, #interim #skilled #nursing, #55+, #62+, #affordable #housing,care #homes, #health #care, #communities, #voucher,home #care, #55+, #62+, #handicapped, #subsidized #apartments, #affordable #apartments, #aarp, #states, #


#

What is the age for “senior” apartments?

Senior age-restricted apartments are usually 55 or 62+ and follow HUD regulations which allow for such “age discrimination”. If restirctions are 55+, at least one person in the apartment must be at least 55 and the apartment community must have no more than 20% of all residents under the age of 55. If they are 62+, than ALL residents must be at least 62.

Exceptions are made by HUD regulations for renters who are under the minimum age, if they are handicapped.

Who are renters?

There are those among the senior rental population who have been renters through their most or all of their adult life. Other renters have sold a home of many years and moved to an apartment. Sometimes a life occurance forces the shift from homeowner to renter:

  • A divorce and the need to divide the equity.
  • The financial inability to continue making payments and keeping up the property.
  • Death or relocation of friends and relatives and the desire to relocate to an area where there will again be an emotional or social support-network.
  • Selling a home to free up equity that can be invested to generate interest and/or dividend income.
  • Desire to be free from home and garden maintenance.
  • Freedom to travel more without the worry of what is happening to property back home.

    Combining those who have always rented with those who sell homes to become renters 23% of 65+ Americans are renters.

    In 1992 AARP research found that 43% of seniors moving to an apartment complex, prefered age-restricted apartment buildings over age-integrated ones.

    Considering becoming a renter because life’s changing circumstances make it difficult to meet your financial obligations?
    If your home is paid off, or almost so a Reverse Mortgage may provide another alternative to selling your home.

    The majority of senior apartment renters do not move further than 5-10 miles from their former home or apartment, unless relocating to be closer to relatives.

    “Thank you for your answer to my age restriction question
    on senior communities. It was complete and clear”.
    Thank you, Mac

    Categories of Sen ior Apartments

    The three pricing categories of apartments (although all may not be available in any one market) are:

  • Market rate
  • Above market rate, luxury rentals
  • Affordable

    Market rate is just that. They offer unit size and numbers of bedrooms and baths as non-age-restricted rentals in the area at a competitive monthly rate, or occasionally 10-15% under general age-occupancy market-rate rents. The senior orientation of the age restricted community may however offer different amenities and other advantages geared to the needs and preferences of seniors.

    Above market rate, luxury rentals also serve the age-restricted market. They appealing to the affluent senior wanting a “home” in a second city, or wanting to be free of maintenance without giving up luxuries. Some high end age-restricted properties definitely offer “snob” appeal.

    Affordable apartments for seniors (sometimes 55+, more often 62+) are in high demand and short supply. Social, cultural and medical changes have certainly contributed to the need.

    Contributing factors are:

  • Predominence of women among the 65+ population and their lower retirement income
  • High divorce rates among women now 55-80
  • Out-living husbands resulting in lowered retirement income
  • Unplanned longevity leading to out-living ones financial resources

    Per HUD ( U.S. Department of Housing and Urban Development ) Families who pay more than 30 percent of their income for housing are considered cost burdened and may have difficulty affording necessities such as food, clothing, transportation and medical care. An estimated 12 million renter and homeowner households now pay more than 50 percent of their annual incomes for housing. A family with one full-time worker earning the minimum wage cannot afford the local fair-market rent for a two-bedroom apartment anywhere in the United States .

    Affordable apartments have been created by government programs since the 1930s. What is defined as affordable in one community may not match the definition of affordable in another community.

  • Programs that provide opportunites for affordable housing are structured or defined by regulations from federal, county or city government legislation.
  • “Vouchers” enable a qualified recipient to rent a market-rate home or apartment and the voucher assures the landlord that the renter will pay 30 percent of his or her monthly income toward the rent and the difference between that portion and the market-rate rent will come from the government entity granting the voucher.
  • Bonds may be through city or county redevelopment programs, and use the money raised from the bond sale to fund and subsidize specific development of housing for “lower” income people. Bonds may specify what percent of the median income someone must have to qualify to rent in their building. i.e.You may be restricted to make no more than 50 percent of the median income in the county. Perhaps the funding of the complex specifies that you can make no more than 120 percent of median income. The funding is specifically tied to the complex, or specific units that are “affordable”.
  • Funding can also come from grants, community, government or federally based. The grant money functions similarly to bond money, designating percent of county median income at the time of the grant.
  • Tax credits are another way that the federal government may encourage development of affordable housing. By awarding tax credits (money deducted from a company’s federal tax obligation) in exchange for developing apartments within restrictive guidelines. In the past many years we see properties developed to offer affordable apartments that combine tax credits, grants and bond measures.

    The most commonly-known rental vouchers are Section 8 vouchers which can provide renter-based benefits to a qualified renter. They provide rent subsidies so tenants who hold them do not pay more than 30 percent of their adjusted gross income for rent.

    To find out about affordable housing opportunities in an area. contact city or county housing agencies. Local senior centers and Area Agencies on Aging may also be able to identify affordable housing or even outline the steps for getting onto waiting lists. Because of undersupply, waiting lists prevail in almost all regions for affordable rentals.

    Things to Consider When Apartment Shoppsing

  • Parking convenience to the living unit.
  • Lighting and security around parking.
  • Storage
  • Are there a lot of closets and cupboards?
  • Is their common storage for an additional fee?
  • Stairs may be a deterent or a means of staying fit.
  • Distance to shopping – walking or riding.
  • Public transportation availability and convenience.
  • Distance to medical facilities and doctors.
  • Security.
  • Total complex access from external streets.
  • Individual apartments
  • Intercom to front door, apartment entry and front desk.
  • Safety pull cord in unit.
  • Grab bars in bathroom and tub area.
  • Cabinet and counter height.
  • Shower and/or tub arrangements to meet your present and future needs.
  • Management quality and experience.
  • Ammenities on site:
  • Pool.
  • Spa.
  • Clubhouse.
  • Laundry availability.
  • Services and activities available or provided.
  • Distance to relatives.
  • Greater community cultural activities.
  • If you are eligible for subsidies, do they accept rent vouchers?
  • The Best Low Income Car Insurance Policies #cars #4 #sale


    #low auto insurance
    #

    The Best Low Income Car Insurance Policies

    June 25, 2013

    For those drivers with a low income. car insurance can be particularly burdensome. Many car insurance industry reports and statistics show that over the last few years car insurance rates have continued to increase by an average of 10% to 12% every year. While car insurance costs continue to climb, wages paid to low income workers have not kept pace.

    Get Free Car Insurance Quotes

    While a couple of states like California and Washington are attempting to impose laws and regulations that will make basic car insurance more affordable for low-income drivers and families, the programs have not been in place long enough to have a considerable effect on premium prices. Moreover, because only a couple of states are enacting this type of legislation, the majority of low-income drivers across the country are either uninsured or underinsured.

    Driving without car insurance is not only against the law – it is very unwise. If you’re involved in a car accident and have no car insurance, you can be sued or even go to jail. So even though car insurance is expensive, you’ll need to make sure that you maintain the legally required minimum levels of coverage for your state. Knowing where to find the most affordable car insurance policies can offer a little relief.

    Choose Low Income Insurance Specialists

    While you can purchase basic car insurance coverage from any car insurance company, there are some that specialize in policies for low-income drivers. Companies that specialize in low income car insurance policies provide only the most minimal amounts of coverage, but do attempt to make policy rates more affordable. They often require smaller down payments and may require direct debit payments from your checking or savings account in exchange for offering low rates. Here is a list of some of the most popular low income car insurance companies.

    • Eastwood Insurance
    • Progressive
    • GMAC
    • Infinity
    • Bristol West
    • Western General
    • Western United
    • Explorer
    • Access General
    • Carnegie General
    • Get Free Car Insurance Quotes

    Other Ways to Save on Low Income Car Insurance

    Just as with any other type of car insurance, the amount of money you pay for low income car insurance will depend upon your personal driving record and the type of car you need to ensure. So, by making sure that you always follow the law and traffic regulations when driving your vehicle, you can avoid costly traffic tickets that will not only cost you money in fines and penalties, but will also increase your car insurance rates.

    Many insurance companies can offer low rates for the most basic types of car insurance coverage; so, you might also want to consider visiting independent car insurance agencies in your area and asking the agent about which companies provide minimal level coverage for the lowest prices. There are literally hundreds of smaller insurance companies across the country that can provide low income car insurance. Just be sure to do your research and make sure the one you choose is financially sound, and pays out on claims in the event of an accident. You can use the Internet to search for information on any car insurance company in the country.

    The Best Low Income Car Insurance Policies #auto #zone #auto #parts


    #low auto insurance
    #

    The Best Low Income Car Insurance Policies

    June 25, 2013

    For those drivers with a low income. car insurance can be particularly burdensome. Many car insurance industry reports and statistics show that over the last few years car insurance rates have continued to increase by an average of 10% to 12% every year. While car insurance costs continue to climb, wages paid to low income workers have not kept pace.

    Get Free Car Insurance Quotes

    While a couple of states like California and Washington are attempting to impose laws and regulations that will make basic car insurance more affordable for low-income drivers and families, the programs have not been in place long enough to have a considerable effect on premium prices. Moreover, because only a couple of states are enacting this type of legislation, the majority of low-income drivers across the country are either uninsured or underinsured.

    Driving without car insurance is not only against the law – it is very unwise. If you’re involved in a car accident and have no car insurance, you can be sued or even go to jail. So even though car insurance is expensive, you’ll need to make sure that you maintain the legally required minimum levels of coverage for your state. Knowing where to find the most affordable car insurance policies can offer a little relief.

    Choose Low Income Insurance Specialists

    While you can purchase basic car insurance coverage from any car insurance company, there are some that specialize in policies for low-income drivers. Companies that specialize in low income car insurance policies provide only the most minimal amounts of coverage, but do attempt to make policy rates more affordable. They often require smaller down payments and may require direct debit payments from your checking or savings account in exchange for offering low rates. Here is a list of some of the most popular low income car insurance companies.

    • Eastwood Insurance
    • Progressive
    • GMAC
    • Infinity
    • Bristol West
    • Western General
    • Western United
    • Explorer
    • Access General
    • Carnegie General
    • Get Free Car Insurance Quotes

    Other Ways to Save on Low Income Car Insurance

    Just as with any other type of car insurance, the amount of money you pay for low income car insurance will depend upon your personal driving record and the type of car you need to ensure. So, by making sure that you always follow the law and traffic regulations when driving your vehicle, you can avoid costly traffic tickets that will not only cost you money in fines and penalties, but will also increase your car insurance rates.

    Many insurance companies can offer low rates for the most basic types of car insurance coverage; so, you might also want to consider visiting independent car insurance agencies in your area and asking the agent about which companies provide minimal level coverage for the lowest prices. There are literally hundreds of smaller insurance companies across the country that can provide low income car insurance. Just be sure to do your research and make sure the one you choose is financially sound, and pays out on claims in the event of an accident. You can use the Internet to search for information on any car insurance company in the country.

    Government-Sponsored Car Insurance for Low Income Families #low #auto #insurance


    #low cost auto insurance
    #

    Government-Sponsored Car Insurance for Low-Income Families

    On average, low-income households spend a disproportionately high percentage of their annual income on car insurance. Considering that car insurance is required in most states, it is a necessary expense.

    As of this writing, California, New Jersey, and Hawaii have low-income auto insurance programs.

    California’s Low Cost Auto Insurance Program

    Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.

    To qualify for the CLCA. you must:

    • Meet income eligibility requirements.
      • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
    • Have a good driving record.
    • Be at least 19 years old.
    • Have a current valid driver’s license.
    • Own a car:
      • Valued at $20,000 or less.
      • With no unpaid loans.

    Annual premiums vary from county to county but the highest premium is capped at $388.

    Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

    CLCA coverage limits are as followed:

    • $10,000 for bodily injury or death per person.
    • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
    • $3,000 for property damage.

    * To check your eligibility and find out the premium rates in your county, visit the CLCA website.

    New Jersey’s Special Automobile Insurance Policy

    The Special Automobile Insurance Policy (SAIP) is New Jersey’s initiative to help provide car insurance to low-income drivers.

    You can apply to SAIP through most insurance agents in New Jersey.

    To be eligible for SAIP you must:

    • Currently be enrolled in Federal Medicaid with Hospitalization.
    • Have a current valid driver’s license.
    • $360 per year if you pay up front.
    • $365 per year if you pay in two installments.

    SAIP covers your emergency treatment immediately following a car crash, in addition to costs related to serious brain or spinal cord injuries up to $250,000.

    SAIP does not provide you with liability auto insurance coverage, or other medical costs that would be covered through Medicaid.

    If your Medicaid is canceled during coverage, you may keep your policy, however, you will not be able to renew a SAIP policy once your current policy has expired.

    For more information about New Jersey’s Special Automobile Insurance Policy, visit the New Jersey Department of Banking Insurance website.

    Hawaii’s Low Cost Disability Auto Insurance Program

    According to Hawaii state law, any driver or person unable to drive due to permanent disability who receives public assistance involving direct cash payments may receive free personal injury protection and liability insurance from the state.

    Shopping Around for Car Insurance

    Auto Insurance for Low Income People – Insurance Articles and RSS Feeds #auto #finance #rates


    #low cost auto insurance
    #

    Auto Insurance for Low Income People

    Got a low income? Looking for affordable car insurance?

    People with low income can find affordable auto insurance prices for the coverage they need by comparing quotes from a variety of leading companies. Locate the cheapest rates and purchase a policy online in minutes.

    Those working with a tight budget due to low income do not have to go uninsured. There is a way to find low cost car insurance by completing an instant and free rate comparison without the hassle of contacting different companies individually. As a one stop shop, OnlineAutoInsurance.com gives visitors instant access to immediate quotes from many carriers so that you don t waste time repeatedly completing quote forms or calling an array of phone numbers.

    Whether looking for low income liability car insurance (mandatory in most states) or a bit more coverage, the cheapest premiums may be offered by a different company since each driver is different in many ways. For example, a young driver may get the lowest quotations from one company and another driver considered to be high risk may find the lowest rates elsewhere.

    This is because insurers usually specialize in certain fields and will offer affordable prices for only drivers who fall into those categories. The bottom line is that we must all locate the one who can fit our limited income.

    List of low cost car insurance companies:

    OnlineAutoInsurance.com helps those with low income find cheap rates by comparing the prices of low cost companies such as:

    • Progressive
    • GMAC
    • Infinity
    • Bristol West
    • Western General
    • Western United
    • Explorer
    • Access General
    • Carnegie General
    • and many more.

    Most affordable car insurance on market now:

    The most affordable coverage provider may vary for each one of us. A good example of this is when your neighbor tells you that he found the lowest rates from a certain company and you decide to call them, only to find out that you found cheaper rates elsewhere. Why? That s because you are a unique in many factors such as age, your driving history (time driving, violations and accidents), vehicles and coverage desired.

    The solution is simple, whether you re a young student, a mature employed person, a learner driver, or any other case, it pays to shop around. It is among the most often provided tips provided by state department guides and related resources because premiums vary widely within carriers. Take advantage of OnlineAutoinsurance.com s free auto insurance quotes online and find the most affordable rates for any income restrictions you may have.

    Some low income drivers with a restricted budget may be eligible for the low cost auto insurance program provide by your state. This program was designed to reduce the number of uninsured drivers who could not afford to purchase coverage due to limited incomes. This program usually provides only the minimum coverage which is mandatory or required by law.

    Visit OnlineAutoInsurance.com for more information and to learn more about your insuring needs with no obligations. Read answers frequently asked questions and use a variety of free tools to ensure savings and educated decisions.

    Permission is granted to republish this article, free of charge, as long as embedded links remain intact and articles are not changed, edited, or reworded.

    Government-Sponsored Car Insurance for Low Income Families #auto #insurance #quotes


    #low cost auto insurance
    #

    Government-Sponsored Car Insurance for Low-Income Families

    On average, low-income households spend a disproportionately high percentage of their annual income on car insurance. Considering that car insurance is required in most states, it is a necessary expense.

    As of this writing, California, New Jersey, and Hawaii have low-income auto insurance programs.

    California’s Low Cost Auto Insurance Program

    Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.

    To qualify for the CLCA. you must:

    • Meet income eligibility requirements.
      • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
    • Have a good driving record.
    • Be at least 19 years old.
    • Have a current valid driver’s license.
    • Own a car:
      • Valued at $20,000 or less.
      • With no unpaid loans.

    Annual premiums vary from county to county but the highest premium is capped at $388.

    Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

    CLCA coverage limits are as followed:

    • $10,000 for bodily injury or death per person.
    • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
    • $3,000 for property damage.

    * To check your eligibility and find out the premium rates in your county, visit the CLCA website.

    New Jersey’s Special Automobile Insurance Policy

    The Special Automobile Insurance Policy (SAIP) is New Jersey’s initiative to help provide car insurance to low-income drivers.

    You can apply to SAIP through most insurance agents in New Jersey.

    To be eligible for SAIP you must:

    • Currently be enrolled in Federal Medicaid with Hospitalization.
    • Have a current valid driver’s license.
    • $360 per year if you pay up front.
    • $365 per year if you pay in two installments.

    SAIP covers your emergency treatment immediately following a car crash, in addition to costs related to serious brain or spinal cord injuries up to $250,000.

    SAIP does not provide you with liability auto insurance coverage, or other medical costs that would be covered through Medicaid.

    If your Medicaid is canceled during coverage, you may keep your policy, however, you will not be able to renew a SAIP policy once your current policy has expired.

    For more information about New Jersey’s Special Automobile Insurance Policy, visit the New Jersey Department of Banking Insurance website.

    Hawaii’s Low Cost Disability Auto Insurance Program

    According to Hawaii state law, any driver or person unable to drive due to permanent disability who receives public assistance involving direct cash payments may receive free personal injury protection and liability insurance from the state.

    Shopping Around for Car Insurance

    Government-Sponsored Car Insurance for Low Income Families #manheim #auto


    #low cost auto insurance
    #

    Government-Sponsored Car Insurance for Low-Income Families

    On average, low-income households spend a disproportionately high percentage of their annual income on car insurance. Considering that car insurance is required in most states, it is a necessary expense.

    As of this writing, California, New Jersey, and Hawaii have low-income auto insurance programs.

    California’s Low Cost Auto Insurance Program

    Made part of California law in 1999, California’s Low Cost Automobile Insurance Program (CLCA) is designed to provide liability car insurance at affordable rates to income-eligible drivers.

    To qualify for the CLCA. you must:

    • Meet income eligibility requirements.
      • Income eligibility* depends on the number of people in your household and the combined income of all members of the household.
    • Have a good driving record.
    • Be at least 19 years old.
    • Have a current valid driver’s license.
    • Own a car:
      • Valued at $20,000 or less.
      • With no unpaid loans.

    Annual premiums vary from county to county but the highest premium is capped at $388.

    Coverage limits provided by the CLCA are lower than the CA’s standard minimum requirements for car insurance. However, drivers in the program are exempt from meeting those requirements.

    CLCA coverage limits are as followed:

    • $10,000 for bodily injury or death per person.
    • $20,000 for total bodily injury or death when multiple people are hurt in an accident.
    • $3,000 for property damage.

    * To check your eligibility and find out the premium rates in your county, visit the CLCA website.

    New Jersey’s Special Automobile Insurance Policy

    The Special Automobile Insurance Policy (SAIP) is New Jersey’s initiative to help provide car insurance to low-income drivers.

    You can apply to SAIP through most insurance agents in New Jersey.

    To be eligible for SAIP you must:

    • Currently be enrolled in Federal Medicaid with Hospitalization.
    • Have a current valid driver’s license.
    • $360 per year if you pay up front.
    • $365 per year if you pay in two installments.

    SAIP covers your emergency treatment immediately following a car crash, in addition to costs related to serious brain or spinal cord injuries up to $250,000.

    SAIP does not provide you with liability auto insurance coverage, or other medical costs that would be covered through Medicaid.

    If your Medicaid is canceled during coverage, you may keep your policy, however, you will not be able to renew a SAIP policy once your current policy has expired.

    For more information about New Jersey’s Special Automobile Insurance Policy, visit the New Jersey Department of Banking Insurance website.

    Hawaii’s Low Cost Disability Auto Insurance Program

    According to Hawaii state law, any driver or person unable to drive due to permanent disability who receives public assistance involving direct cash payments may receive free personal injury protection and liability insurance from the state.

    Shopping Around for Car Insurance

    Auto Insurance for Low Income People – Insurance Articles and RSS Feeds #auto #circle


    #low cost auto insurance
    #

    Auto Insurance for Low Income People

    Got a low income? Looking for affordable car insurance?

    People with low income can find affordable auto insurance prices for the coverage they need by comparing quotes from a variety of leading companies. Locate the cheapest rates and purchase a policy online in minutes.

    Those working with a tight budget due to low income do not have to go uninsured. There is a way to find low cost car insurance by completing an instant and free rate comparison without the hassle of contacting different companies individually. As a one stop shop, OnlineAutoInsurance.com gives visitors instant access to immediate quotes from many carriers so that you don t waste time repeatedly completing quote forms or calling an array of phone numbers.

    Whether looking for low income liability car insurance (mandatory in most states) or a bit more coverage, the cheapest premiums may be offered by a different company since each driver is different in many ways. For example, a young driver may get the lowest quotations from one company and another driver considered to be high risk may find the lowest rates elsewhere.

    This is because insurers usually specialize in certain fields and will offer affordable prices for only drivers who fall into those categories. The bottom line is that we must all locate the one who can fit our limited income.

    List of low cost car insurance companies:

    OnlineAutoInsurance.com helps those with low income find cheap rates by comparing the prices of low cost companies such as:

    • Progressive
    • GMAC
    • Infinity
    • Bristol West
    • Western General
    • Western United
    • Explorer
    • Access General
    • Carnegie General
    • and many more.

    Most affordable car insurance on market now:

    The most affordable coverage provider may vary for each one of us. A good example of this is when your neighbor tells you that he found the lowest rates from a certain company and you decide to call them, only to find out that you found cheaper rates elsewhere. Why? That s because you are a unique in many factors such as age, your driving history (time driving, violations and accidents), vehicles and coverage desired.

    The solution is simple, whether you re a young student, a mature employed person, a learner driver, or any other case, it pays to shop around. It is among the most often provided tips provided by state department guides and related resources because premiums vary widely within carriers. Take advantage of OnlineAutoinsurance.com s free auto insurance quotes online and find the most affordable rates for any income restrictions you may have.

    Some low income drivers with a restricted budget may be eligible for the low cost auto insurance program provide by your state. This program was designed to reduce the number of uninsured drivers who could not afford to purchase coverage due to limited incomes. This program usually provides only the minimum coverage which is mandatory or required by law.

    Visit OnlineAutoInsurance.com for more information and to learn more about your insuring needs with no obligations. Read answers frequently asked questions and use a variety of free tools to ensure savings and educated decisions.

    Permission is granted to republish this article, free of charge, as long as embedded links remain intact and articles are not changed, edited, or reworded.

    The Best Low Income Car Insurance Policies


    #low auto insurance
    #

    The Best Low Income Car Insurance Policies

    June 25, 2013

    For those drivers with a low income. car insurance can be particularly burdensome. Many car insurance industry reports and statistics show that over the last few years car insurance rates have continued to increase by an average of 10% to 12% every year. While car insurance costs continue to climb, wages paid to low income workers have not kept pace.

    Get Free Car Insurance Quotes

    While a couple of states like California and Washington are attempting to impose laws and regulations that will make basic car insurance more affordable for low-income drivers and families, the programs have not been in place long enough to have a considerable effect on premium prices. Moreover, because only a couple of states are enacting this type of legislation, the majority of low-income drivers across the country are either uninsured or underinsured.

    Driving without car insurance is not only against the law – it is very unwise. If you’re involved in a car accident and have no car insurance, you can be sued or even go to jail. So even though car insurance is expensive, you’ll need to make sure that you maintain the legally required minimum levels of coverage for your state. Knowing where to find the most affordable car insurance policies can offer a little relief.

    Choose Low Income Insurance Specialists

    While you can purchase basic car insurance coverage from any car insurance company, there are some that specialize in policies for low-income drivers. Companies that specialize in low income car insurance policies provide only the most minimal amounts of coverage, but do attempt to make policy rates more affordable. They often require smaller down payments and may require direct debit payments from your checking or savings account in exchange for offering low rates. Here is a list of some of the most popular low income car insurance companies.

    • Eastwood Insurance
    • Progressive
    • GMAC
    • Infinity
    • Bristol West
    • Western General
    • Western United
    • Explorer
    • Access General
    • Carnegie General
    • Get Free Car Insurance Quotes

    Other Ways to Save on Low Income Car Insurance

    Just as with any other type of car insurance, the amount of money you pay for low income car insurance will depend upon your personal driving record and the type of car you need to ensure. So, by making sure that you always follow the law and traffic regulations when driving your vehicle, you can avoid costly traffic tickets that will not only cost you money in fines and penalties, but will also increase your car insurance rates.

    Many insurance companies can offer low rates for the most basic types of car insurance coverage; so, you might also want to consider visiting independent car insurance agencies in your area and asking the agent about which companies provide minimal level coverage for the lowest prices. There are literally hundreds of smaller insurance companies across the country that can provide low income car insurance. Just be sure to do your research and make sure the one you choose is financially sound, and pays out on claims in the event of an accident. You can use the Internet to search for information on any car insurance company in the country.