Is it time to sell your old car or truck? #used #auto #loan


#how to sell your car
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Is it time to sell your old car or truck? Here’s how to tell

By: Margarette Burnette, May 09th 2014

Each year you drive your old car is one more year you don’t have to worry about paying for a new one.

Yet, with every turn of the odometer, you’re one mile closer to big repair and maintenance bills.

At some point, it costs so much to keep your old ride on the road that you’d be better off investing all of the money you’re spending at the garage on a new car or truck. Our database of the best auto loan rates can help get you started.

There’s no magical mileage threshold that tells you when it’s time to ditch your car. In fact, many of today’s vehicles routinely exceed 100,000 miles without experiencing major mechanical problems.

But if you’re being hit with one repair bill after another, these 5 steps can help you decide if the time has come to ditch your old car or truck.

Step 1. Find out what your car is worth.

All smart decision-making starts with this.

To find out what your car is worth, research it on an auto valuation site, such as Edmunds.com or Kelley Blue Book (kbb.com).

You’ll be asked a few questions about the year, make and model of your car, the odometer reading and the condition it’s in, taking any repairs you’re planning to make into account.

Those websites will provide you with three potential values for your car.

The one you want to use is the trade-in value, which is the lowest of the three estimates.

This is the amount you can expect to receive from a dealer if you include your current car in a deal to buy another car there.

Let one of the best commuting cars of 2014 take the stress and worry out of those slogs to work, the supermarket and other daily destinations. They’re safe and economical but don’t scrimp on creature comforts, including automatic transmissions and air-conditioning. With prices starting at just over $19,000 and climbing to just under $31,000, we’re confident you’ll find the perfect ride.

Step 2. Determine how much it will cost to keep it on the road.

Ask your mechanic for a rundown of all the:

  • Big repairs that must be done right now to keep your vehicle running.
  • Additional repairs that can be postponed but need to be done over the next year.
  • Major maintenance that will come due during the next 12 months based on how many miles are on the car.

We’re not talking about oil changes.

We’re talking about the more costly work required as vehicles reach 60,000 to 100,000 miles — everything from changing the transmission fluid and coolant to replacing worn-out tires, brake pads and rotors, water pumps, suspension parts and timing belts.

Check your owner’s manual for the manufacturer’s recommended maintenance schedule. If you don’t have the manual, any reputable shop can check the schedule for your car and tell you exactly what you’ll need to do and how much those repairs will cost.

Postpone that work, and you’ll run a greater risk that your car will break down and stick you with an even bigger repair bill once you’ve been towed to the shop.

Take the timing belt, for example. It connects the crankshaft to the camshaft and controls the opening and closing of the valves in your engine.

Replacing a timing belt often costs $600 or more. But if you don’t do it, you can pretty much count on a worn-out timing belt breaking at some point, seriously damaging your engine.

Then it would cost $2,000 or more to get it running again.

Also, watch for two signs of big trouble:

  • Blue smoke out the tailpipe means you’re burning oil, which very likely indicates the oncoming need for an engine replacement. (A little white smoke until the engine warms up is OK.)
  • Slipping between gear changes means your automatic transmission is failing. (Slipping is where the engine revs up without any appreciable increase in speed.)

Add up all of the repairs and maintenance you’ll need to do over the next year, and compare it to the trade-in value of your car.

If you’ll have to spend more than the car is worth to keep it on the road for another year, then it makes financial sense to invest that money in a new ride.

Step 4. Recalculate your costs using past repair bills.

You aren’t finished if that comparison falls on the side of keeping your old car, especially if it’s not a decisive difference.

Mechanics can’t look at your car and predict everything that’s likely to break over the next year, so maybe you didn’t have a list of estimated future repairs in Step 2.

That doesn’t mean you’re not going to have any.

Reliability guides, such as the ones from Consumer Reports. provide entire lists of problems that consistently plague almost every make and model as it ages.

In fact, here’s a pretty tried-and-true rule of car ownership: The older your car gets, the more stuff breaks.

Average cost of car loans

Source: Interest.com weekly survey of major lenders from April 30, 2014.

Is This the Best Search Engine Ever for New & Used Cars? #auto #trading


#used car search engine
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Is This the Best Search Engine Ever for New & Used Cars?

Wise Bread Picks

The site is one I found quite by accident. I’m not in the market for a used car, I was actually looking for a quote from Bill Shakespeare’s The Tempest and stumbled upon this gem. Ahh, I love the Internet. The site is called AutoTempest.com. It’s only in Beta right now, but the results are awesome!

In the past, when I was searching for a used car, I would bring up the usual suspects cars.com, kbb.com, edmunds.com. With three windows or tabs open, I would flick between them all looking for the best price, the lowest miles, and the best financing option available.

That was time-consuming and a hassle. But I never thought any more about it until I started pushing the buttons of this new site. (It’s like Kayak.com but for new and used cars.) As regular Wise Bread readers know, I’m a huge fan of sites and gadgets that save you time and money. Put a check mark next to both of those categories for AutoTempest.com.

The interface is simple enough. Enter the make and model of the car you’re looking for, along with the location, year, price and mileage. Sure, those are the usual features, but AutoTempest goes a little further.

With the advanced search, you can add-in transmission, body style, seller type, and even choose to search collector or niche sites.

After your data is input, you hit search. And then you’re greeted with the results from around seven different auto-buying websites. One includes craigslist, and when you get to that page the results will be further chopped down into areas in your state. You know what they say, location is everything.

I’d like to point out, as always, that this is not a paid endorsement or even one that was requested. When I find services or products I genuinely like or enjoy, I think Wise Bread readers will as well. And that’s why I’m passing this on to you.

As the site is in Beta, it’s also a great chance to kick the tires (ouch, no pun intended) and let the maker’s of AutoTempest know what you think of the site. what is working, and what isn’t. Hopefully, it will help them create a more robust option for the official launch.

So there you have it. If you’re looking for a new motor, try it out. I hope it saves you a bunch of time and money on your next vehicle. I know I’ll be using it to find mine.

Free Automobile As Is Bill of Sale. #blair #auto #mall


#auto bill of sale form
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Free Automobile As Is Bill of Sale

This Automobile AS IS Bill of Sale is between a seller and buyer of a motor vehicle being sold “as is.” This Bill of Sale sets forth the specifics regarding the transaction including the amount paid for the vehicle and its make, model, VIN number and odometer reading. The Bill of Sale also certifies that the seller has not altered the odometer reading. This Automobile AS IS Bill of Sale explicitly states there are no implied warranties for the auto made by the seller to the buyer.

Motor Vehicle As Is Bill of Sale

BE IT KNOWN, that for payment in the sum of _____________________________________ Dollars ($___________), the full receipt and sufficiency of which is acknowledged, the undersigned _______________________ of _____________________________________________ (“Seller”) hereby sells and transfers to_____________________ of ________________________ _________________________ (“Buyer”), the following described motor vehicle (“Vehicle”):

Make: Model or series:

Year: Color:

VIN #: Style:

Odometer reading: Title #:

Seller warrants to Buyer that Seller is the legal and true owner of the Vehicle and that Seller has the right to sell the Vehicle.

The Vehicle is sold AS IS with no express or implied warranties or representations having been made by Seller to Buyer.

The Seller certifies that the odometer reading of the Vehicle is correct to their knowledge, and that the Seller has not modified the odometer, disconnected it, or rolled back the mileage during their ownership.

If the sale is not completed, the Seller will retain $__________________ of the down payment to cover costs and effort in re-advertising.

IN WITNESS WHEREOF, Seller has hereunto executed and delivered this Motor Vehicle As Is Bill of Sale this ___________________ day of ____________________________, 20________.

____________________________________

Auto and Homeowners Insurance: Is AARP Looking Out for You? CBS News #auto #invoice #prices


#auto and home insurance
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Auto and Homeowners Insurance: Is AARP Looking Out for You?

Last Updated Oct 9, 2009 1:34 PM EDT

The way insurance companies barrage you with television ads promising to save you money, you might think they were paying you instead of the other way around. In the case of the GEICO googly eyes or actor Dennis Haysbert hawking Allstate policies, at least it’s private companies pitching their wares. But then there are the auto insurance ads touting the $388 saved, on average, by people who switched to plans offered through AARP by The Hartford Financial Services Group. The ads also say that AARP members who own homes might save an additional $148 by switching their homeowners coverage. In this case, the trusted nonprofit is lending its name to a commercial venture. Pay less, get the AARP imprimatur. What’s not to like? Read on to find out.

As part of our continuing analysis of AARP s financial services products (earlier stories covered AARP mutual funds and AARP life insurance and annuities ), we wondered how well the huge organization was treating its 40 million members with the homeowners and auto policies it sells. So we examined the coverage and compared AARP/The Hartford prices with those of Allstate, State Farm, GEICO, and Progressive in three zip codes to answer the question, Should you put AARP on your policy shopping list?

Our answer: If you are shopping on price alone, no. You can save money in some cases a lot of money by taking your business elsewhere. But the policies do offer a few appealing features that you might find are more than worth the extra cost. And The Hartford has an impressive customer service record.

AARP has marketed The Hartford s homeowners and auto policies for 25 years and deserves credit for choosing a quality partner. The Hartford was among the top five insurers in J.D. Power and Associates 2008 homeowners and auto insurance customer service surveys. They have a reputation for working with their customers and trying to solve problems without litigating claims, compared to some of their competitors, says Amy Bach, executive director of United Policyholders. a San Francisco-based organization that advocates for consumers on home and auto insurance. The number of complaints filed against The Hartford, as tracked by the National Association of Insurance Commissioners, is below the industry average and has been declining for the past several years.

Middling Marks for Prices

AARP s homeowners and auto policies are often not the least expensive, however, which echoes what we found with its life insurance offerings. There is a cost to having some of the features in the program, acknowledges Richard Hisey, president of AARP Financial, the for-profit arm of AARP. We believe that if you re comparing apples-to-apples features, we will be cost-competitive.

For our price-shopping survey, we asked AARP/The Hartford, Allstate, State Farm, GEICO, and Progressive for quotes for a 53-year-old AARP member driving a 2008 Nissan Rogue and living in a $250,000 wood-frame house. And since the cost of the same insurance can vary by zip code, we requested quotes in Charlotte, N.C.; Scottsdale, Ariz.; and Schaumburg, Ill. We told the insurers to apply any standard auto discounts available based on his driving record and profile. Since AARP s auto rates were for 12 months and the others were for six months, we divided AARP s figures in half.

For auto insurance, AARP/The Hartford was the priciest insurer in Scottsdale and Schaumburg and in the middle of the pack in Charlotte. Progressive was the least expensive in Scottsdale, costing a whopping 42 percent less than AARP/The Hartford. GEICO was the cheapest in both Charlotte and Schaumburg, charging 28 percent less and 15 percent less, respectively, than AARP/The Hartford.

Auto Insurance Six-Month Premium

SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #advance


#track auto
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SHORT TRACK AUTO RACING. COM

SHORT TRACK AUTO RACING. COM

It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.

Which car repair manual is better, Haynes or Chilton? automotive, books #auto #parts #catalog


#chilton auto repair manual
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questions which car repair manual is better, haynes or…

Which car repair manual is better, Haynes or Chilton?

Mar 16, 2012 7:36 PM

For those of you who like to do certain car repairs yourself, which manual do you prefer? What s the difference between the two series?

Top Answers

Not a farewell, just a forced redirect.

It’s true, Local.Woot is no longer, but please don’t despair.

Sorry

This is only for people who have bought woots

We restrict voting to users who have purchased something from one of the other Woot stores. It’s not just because we want your money (which we do) – it’s the best way to be sure all the votes are coming from real people and not spam-bots or phony accounts. The best way we can think of, anyway. For now.

You can always get voting rights by buying something from one of Woot’s other sites:

If you think you’ve bought something from Woot before and still can’t vote, make sure you’re logged in with the same account you used to buy from us.

Geez, why so negative?

You have to vote up more before you can vote down.

Don’t get us wrong. Negativity has its place. And downvotes are just as essential as upvotes when it comes to making Deals.Woot a useful place to find deals.

What Is Full Coverage? #auto #light #bulbs


#full coverage auto insurance
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What Is ‘Full Coverage’?

People often talk about having their cars “fully insured.” But for those who don’t really know the ins and outs of auto insurance terminology, exactly what does that mean and what type of coverages should they consider?

While there are many auto insurance options you can choose, there’s really no such thing as “full coverage” for your car.

The good news is that there are a lot of things you can do to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses. If you are conscientious and want to make sure you have all the types of coverage that are available, here is a list of several of the common auto coverages you may want to consider:

Liability Coverage

Liability coverage is typically included in all insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in an auto insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

As you probably already know, if you’re buying insurance, all states require some level of liability coverage. Find out your state’s auto insurance requirements here.

Someone who is looking to obtain auto insurance coverage for their vehicle may want to go beyond the state requirements and buy a policy with higher liability limits. This may increase your premiums, but it will also give you greater coverage in the event of an accident.

Salvage World is the fastest growing online auction salvage cars dealer. #auto #carpet


#insurance auto auctions
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Welcome to SalvageWorld.net – The Worldwide Insurance Salvage Auction

Auto Salvage cars and Repairable Cars for Sale SALVAGE WORLD AUCTIONS is the Largest worldwide online Insurance Salvage Auction in the industry today. Our salvage cars are from Insurance Auto Auctions and Salvage Car Auctions, as well as Rental Car companies. Our Salvage Cars for Sale are offered to the General Public. Salvage Cars for Sale online has never been easier. Salvage Cars USA also offered in Canada.

Our company is unique, because we allow the general public all over the world to search and purchase salvage vehicles without the need of special salvage and/or dismantler licenses. The vehicles that we offer on our site are only offered to licensed automobile dealers and salvage buyers who need to be registered in each state, In fact many of these salvage dealers need specific licenses and bidding cards to purchase these vehicles. With us, there s no need for those licenses!

At Salvage World, we offer thousands of repairable vehicles located in every part of the United States. We also have a few locations in Canada and soon we will be offering vehicles from the United Kingdom and other parts of Europe.

There are over 160,000 vehicles offered weekly. These are rebuildable salvage and have clean titles from insurance companies nationwide. We are more than happy to assist you in finding the vehicles of your choice. We can give you access to browse through our inventories by clicking here .

If you are the highest bidder at the end of our auction, we will then submit your actual offer to the insurance company. A deposit of 10% of your highest offer is required to be submitted right away. SalvageWorld.net may also require a 33% deposit or a minimum of $3000 on each vehicle depending on the insurance company or auction house that the bid is being placed with. Please make sure you have read the terms and conditions before placing any bids. We will then inform you if your offer is accepted via your my offers section of your account.

SalvageWorld.net is NOT an auction site. It is a Proxy Bidding site. We offer more vehicles than any other competitor in the industry.

In our Global economy, there is a huge demand for salvaged vehicles that can be still be restored. Salvage World was created to share all of our years of experience and resources to our valued customers. Cut out the middleman, buy salvage cars directly from the source, and avoid the inflated and marked up prices!

Saving money by buying salvage or clean title Repairables is not a problem! We handpick quality vehicles so that you will not make the mistake of buying a car without knowing its full information. We offer a wide range of services, ask your customer care represenative for more information. Call us now at our toll free number 800-232-5038!

Which Vehicle History Report Is Right for You? #advance #auto #coupon


#auto vin check
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Which Vehicle History Report Is Right for You?

1 of 4

You’re shopping for a used car and you think you’ve hit pay dirt. The car is only five years old, with low miles and a great price. You’re about to make an offer when you have a troubling thought: Is the seller hiding any problems? Was the car ever in an accident? Who owned it before this seller?

Years ago buyers could only judge a used car by inspecting its mechanical condition and maybe leafing through the owner’s file of service records. But thanks to improved record collection combined with the power of the Internet, the vehicle identification number (VIN) can reveal if a used car has a checkered past. Experts describe the VIN as a car’s DNA.

Car buyers can purchase vehicle history reports from a number of different companies, some of which even concentrate on specialty markets such as trucks. The National Motor Vehicle Title Information System (NMVTIS) lists a number of the companies that provide its vehicle history reports, some of which cost only a few dollars.

NMVTIS provides title information drawn from participating state motor vehicle registries. At this point, 88 percent of U.S. DMV data is represented. Run by the federal Department of Justice, the system is the only one that’s publicly available in the U.S. to which all insurance carriers, auto recyclers, junk yards and salvage yards are required under federal law to report on a regular basis.

However, companies such as AutoCheck. which is owned by Experian, and Carfax. which pioneered the process in 1986 by faxing reports to customers, provide more detailed reports.

Most vehicle history report companies work in a similar way. A used-car shopper types a VIN into the company’s Web site and immediately receives a report on the vehicle’s history. Most companies sell either a single report for a set fee or, for a higher price, a subscription to run multiple reports for a limited time, which is usually a month.

A vehicle history report provides information drawn from an ever-expanding variety of databases. Most importantly, the report tells shoppers if a car has a “branded” title. Branding means an insurance company has declared the vehicle a total loss and given it a salvage title because of an accident, flood damage or other catastrophic event.

Typically, the information on a vehicle history report includes a summary and an overall evaluation of the vehicle supported with details, dates and locations. The report makes it easy to see if the car has been registered in numerous states. Other information can include a description of the vehicle, number of previous owners, accident information, verification of recent mileage (which could include an alert for odometer rollback) and lemon and recall checks.

Some vehicle history report companies provide additional features or information. For example, AutoCheck provides a vehicle “score” a number and a range like 85 out of a range of 60-90. This shows how the vehicle compares to other similar cars built that year. Carfax reports sometimes have information other vehicle history reports don’t list, such as service department records.

The mileage verification that a vehicle history report provides is especially important for buyers. Mechanics record the mileage each time there is a smog check, change of registration or other event in the vehicle’s history. If the mileage recordings are not sequential, meaning that they get higher each time, it could mean someone rolled back the odometer.

Although it’s illegal, a quick trip to a “spinner,” who is someone who turns back odometers, could be worthwhile for an unethical seller. Turning back an odometer 10,000 miles can increase the sale price of a typical car by at least $600. And contrary to popular belief, it’s easier to roll back a digital odometer than it is a mechanical one.

Test-Driving Vehicle History Reports

The editors at Edmunds.com have extensive experience using vehicle history reports. That’s because we steadily buy used cars for our long-term test fleet. Additionally, as a test, the editors run vehicle history reports on cars known to have salvage titles to see what comes up. In nearly all cases, vehicle history reports from AutoCheck and Carfax have caught those problems and flagged the pertinent information. (NMVTIS wasn’t fully up and running at the time of our tests.)

For example, we entered the VIN for a 1998 Corvette, which we knew had a lemon title. Sure enough, the vehicle history reports clearly flagged the problem by stating: “LEMON LAW VEHICLE. Repurchased by manufacturer.”

In another case, an Edmunds employee’s husband was about to buy a 1995 Acura. He test-drove the car and felt it was in good mechanical condition. However, a vehicle history report showed the car received a salvage title in 1996. When the seller was confronted with this information, he said, “Oh yeah, I thought I told you about that.”

In yet another case, a vehicle history report for a test car listed an “accident involving left side impact with another motor vehicle.” Apparently the accident was serious enough to report to authorities, but did not result in a salvage title. However, the report would show potential buyers that the car was in an accident. They could then check to see if the owner had properly repaired the damage.

As our informal tests showed, there are few major title or damage problems that slip through the vehicle history net.

“Occasionally, we do hear of a false positive on a vehicle history report, but it is rarely a problem,” says John Van Alst, an attorney with the National Consumer Law Center. a nonprofit organization specializing in consumer issues. A false positive is when the report came back clean when, in fact, there was an accident or the omission of other pertinent information. Some vehicle history report services will buy back a car or provide a guarantee in such cases.

However, there is a time lag between when an event such as an accident occurs and when it is reported, Van Alst says. While going to NMVTIS is an “excellent first step,” Van Alst still recommends car buyers take a vehicle to a mechanic and a body shop for inspection.

How To Use Vehicle History Reports

Vehicle history reports alert buyers to hidden problems with used cars for sale and can save them time when they’re shopping, too. Edmunds.com recommends that consumers buy a subscription for one of the services as soon as they start the shopping cycle. Always run the vehicle history report before calling the owner and especially before driving across town to see the car in person. In most cases, online car ads will include the vehicle’s VIN. Sometimes an advertised car will come with free access to its vehicle history report.

Also, keep in mind that dealers have subscriptions to the large vehicle history report services usually either AutoCheck or Carfax and will run a report for interested buyers. This becomes a valuable source of third-party information. If the dealer refuses to run a vehicle history report, or provides an outdated report, this could be a red flag.

Finally, keep in mind that a vehicle history report is only one step in the used-car buying process. A mechanical inspection is still a good idea. But running a report is a valuable first step that will save you time and money. And it could protect you from buying a car with a checkered past.

FAST Credit Union – Oh. Well. This is embarrassing. #auto #windshield #replacement


#auto loan calc
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Oopsy!

Yikes! We re truly sorry we did not live up to your (or our) expectations.

There is nothing fun or simple about dealing with our mess up – and, we want to make it right.

Along with saying we re sorry for our internet link snafu ; please, enjoy a video of our Kids Club Mascot, Dollar Dog, at the Bark For Life event. (We know this is much more enjoyable than clicking on links taking you nowhere).

Again, we re truly sorry. We are using this as a learning experience and putting practices into place for it not to happen again.

If you d like to connect with us another way to get the information you re looking for, we d love to hear from you.

Boston is one of the cheapest places in the state to buy a used car – Used car deals. #used #honda #cars


#affordable used cars
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Boston is one of the cheapest places in the state to buy a used car

Boston.com Staff | 11.25.15 | 1:25 PM

If you re planning to buy a used car on Black Friday, you might want to think about which dealership you chose to go to it could save you some money.

San Francisco-based used car website Autolist found Boston is the No. 10 most affordable place to buy a car in Massachusetts. According to Autolist s findings, consumers who buy a car in Boston pay $178 less than the state average.

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The survey also found used cars sold in Boston are $840 less expensive than the national average.

Advertisement – Continue Reading Below

Alex Klein, Autolist s vice president of data science, describes the company as the Kayak of used cars. Autolist looked at the price differences of over 58 million used vehicles sold across the U.S. between November 2012 and September 2015 by city, county, state, and at the national level.

The company tracked each vehicle s price per day, resulting in over 3 billion data points to measure.

It turns out that Framingham offers consumers more savings than any other Massachusetts town, as consumers spend an average of $388 less on used cars than anywhere else in the state.

At the other end of the scale, consumers who buy a used car in Haverhill, Fitchburg, Methuen, Leominster, and Lowell can expect to pay between $478 and $582 more than the state average.

Looking at data may tell you if you want to drive somewhere to buy a car, he said. Driving an hour and a half might save you hundreds or thousands.

A greater presence of used car dealers in a city or town also contributes to more consumer savings, said Klein. Used car dealers may offer more savings to consumers if they are worried they will go to nearby used car dealership.

If there are five dealers selling a [Toyota] Camry they are competing with one another for buyers, said Klein. The more competition in a given area, the more prices are driven down.

Klein said Autolist aims to provide consumers with greater transparency and data for used car sales to make the used car buying experience a little easier.

The used car market is kind of a black box to a lot of people, said Klein. It s tough to go out and make decisions without data. But there is data out there before you make a decision it pays to take a look at that data and make an informed decision.

Here are the 10 cities and towns where it s cheapest to buy a used car:

10. Boston. Price difference compared to rest of Mass. $178 less expensive. Price difference compared to U.S. $840 less expensive. Nationwide rank: No. 222.

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


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

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

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

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

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

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

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

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

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

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

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

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

Who Needs an SSAE 16 (SOC 1 ) Audit?

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

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

What you Need to Know:

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

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

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

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

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

Abortion Complications, Risks Of Terminating Pregnancy, what is it like to have an abortion.#What #is #it #like #to #have #an #abortion


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What is it like to have an abortion

What is it like to have an abortion

The following quotations are taken directly from medical and psychological studies on teen abortions.

What is it like to have an abortionAbout 20 per cent of all abortions taking place in the U.S. today are performed on teens. Teenage abortion has been linked to a number of physical and psychological problems, including drug and alcohol abuse, suicide attempts and suicidal ideation, and other self-destructive behaviors.

Complications

Types Of Physical Complications

The number and types of physical complications resulting from abortion are as diverse as the various abortion methods. Depending upon the type of abortion performed, physical complications can be as follows:

– Cervical tearing and laceration from the instruments.

– Perforation of the uterus by instruments. This may require major surgery, including hysterectomy.

– Scarring of the uterine lining by suction tubing, curettes, or other instruments.

– Infection, local and systemic.

– Hemorrhage and shock, especially if the uterine artery is torn.

– Anesthesia toxicity from both general or local anesthesia, resulting in possible convulsions, cardiorespiratory arrest, and in extreme cases, death.

– Retained tissue, indicated by cramping, heavy bleeding, and infection.

– Postabortal syndrome, referring to an enlarged, tender and soft uterus retaining blood clots.

– Failure to recognize an ectopic pregnancy. This could lead to the rupture of a fallopian tube, hemorrhage, and resulting infertility or death, if treatment is not provided in time.

Types Of Physical/Emotional Complications

Some women experience immediate psychological problems from abortion. Other women repress feelings of guilt, delaying emotional reactions sometimes for several years and oftentimes triggered by their first planned pregnancy.

What is it like to have an abortion

These complications include:

– Sudden and uncontrollable crying episodes.

– Deterioration of self-concept.

– Sleep, appetite and sexual disturbances.

– Disruption in interpersonal relationships.

– Extreme guilt and anxiety.

– Depression and thoughts of suicide.

New Studies Connecting Abortion To Broader Problems:

Suicide – Compared to pregnant women who had their babies, pregnant women who aborted were 6-7 times more likely to die of suicide.

D. C. Reardon et al, “Deaths Associated With Pregnancy Outcome: A Record Linkage Study of Low Income Women,” Southern Medical Journal 95(8):834-41, Aug. 2002

Substance Abuse – Women who abort are five times more likely to report subsequent drug or alcohol abuse than women who deliver.

American Journal of Drug and Alcohol Abuse, 2000

Among women who had unintended first pregnancies, those who had abortions were more likely to report, an average of four years later, more frequent and recent use of alcohol, marijuana, and cocaine than women who gave birth.

American Journal of Drug and Alcohol Abuse, 2004

Psychiatric Treatment – A review of the medical records of 56,741 California Medicaid patients revealed that women who had abortions were 160% more likely than delivering women to be hospitalized for psychiatric treatment in the first 90 days following abortion or delivery. Psychiatric treatment rates remained significantly higher for at least four years.

Canadian Medical Association Journal, 2003

In a study of U.S. and Russian women who had abortions, 65% of U.S. women experienced post-traumatic stress disorder, which they attributed to their abortions. 60% of the American women reported that they felt “part of me died” after their abortions.

V. M. Rue et al, “Induced Abortion and Traumatic Stress: A Preliminary Comparison of American and Russian Women,” Medical Science Monitor 10(10):SR5-16, 2004

Infertility and Life-Threatening Reproductive Risks – Abortion can damage reproductive organs and cause long-term and sometimes permanent problems that can put future pregnancies at risk. Women who have abortions are more likely to experience ectopic pregnancies, infertility, hysterectomies, stillbirths, miscarriages, and premature births than women who have not had abortions.

T. Strahan, Detrimental Effects of Abortion: An Annotated Bibliography with Commentary (Springfield, IL: Acorn Books, 2002, 168-206

Subsequent Children Negatively Affected – The children of women who have had abortions have less supportive home environments and more behavioral problems than the children of women without a history of abortion. This finding supports the view that abortion may negatively affect bonding with subsequent children, disturb mothering skills, and otherwise impact a woman’s psychological stability.

D. C. Reardon et al, “Psychiatric Admissions of Low-Income Women Following Abortions and Childbirth,” Canadian Medical Association Journal 168(10):May 13, 2003

One study found that women with a history of induced abortions were 144% more likely to physically abuse their children than women who had not had an abortion.

Priscilla K. Coleman et al, “Associations Between Voluntary and Involuntary Forms of Perintal Loss and Child Maltreatment Among Low Income Mothers,” Acta Paediatrica 94, 2005

Abortion is linked with increased violent behavior, alcohol and drug abuse, replacement pregnancies, depression, and poor maternal bonding with later children. These factors are closely associated with child abuse and would appear to confirm a link between unresolved post-abortion trauma and subsequent child abuse.

Reardon, Aborted Women, Silent No More (Springfield, IL:Acorn Books, 2002) 129-30

Teenager Dies After Taking Abortion Pill:

What is it like to have an abortionSan Francisco (AP)- Holly Marie Patterson went to a Planned Parenthood clinic to quietly consider ways to handle a life change she wasn’t ready for. One week later, the 18-year-old lay dying on an emergency room table, the victim of complications after she took the abortion pill.

Her death has already caused her grief-stricken father to hope that the tragedy will encourage other women considering abortion to seek support, especially from their families.

Holly Patterson, who lived in the San Francisco suburb of Livermore, visited a Planned Parenthood clinic Sept. 10 to take the pill. She followed the prescribed procedure for using RU-486, taking two more pills at home in the following days.

After experiencing bleeding and cramps so severe that she was unable to walk, her boyfriend rushed her to the hospital, where she was given painkillers and sent home. She was back in the hospital a few days later and died Sept. 17.

Monty Patterson said he learned from an attending physician at the hospital that she had died after a massive infection caused by fragments of the fetus left inside her uterus caused her to go into septic shock.

What is it like to have an abortion

Diabetes Mellitus – Disease Process, Symptoms, Diagnostic Tests, Treatments at Medi-Info, what is secondary diabetes.#What #is #secondary #diabetes


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Medi-Info.COM

Categories

What is secondary diabetes

A disease complex characterized by persistent hyperglycemia caused by insufficient insulin production or resistance to the metabolic action of insulin. Diabetes mellitus (DM) is generally classified as insulin-dependent (IDDM, type I), non-insulin-dependent (NIDDM, type II), or secondary diabetes mellitus.

The precise causal mechanisms in DM are unknown, although genetics and a faulty autoimmune response are thought to play major roles in type I diabetes. Genetics and obesity are risk factors for type II diabetes. Secondary diabetes is caused by underlying primary pathologic abnormalities. DM affects approximately 6% of the U.S. population; it is the leading cause of irreversible blindness and chronic renal failure. Diabetes is found worldwide, and the incidence is increasing rapidly. Type I accounts for 10% to 15% of cases, and the age of onset is primarily childhood or adolescence. Type II accounts for 85% to 90% of cases, and onset generally occurs after age 40. A small number of cases are secondary DM, and the age of onset varies according to the cause of the underlying primary pathologic condition.

Diabetes occurs if the body cannot produce insulin (type I), or if it is unable to use the insulin produced (type II); in either case, the ultimate result is hyperglycemia and impaired glucose transport. Type I diabetes is characterized by a genetic predisposition manifested in one of several human leukocyte antigens. Recent research suggests that the genetic predisposition, coupled with an unknown factor, triggers an ongoing autoimmune process that systematically destroys the beta-cells in the pancreas, thereby interfering with the body s ability to produce insulin. Type II diabetes involves either a defect in the insulin release sites in the pancreas or a resistance to the action of insulin stemming from a decrease in the number of receptor sites in the peripheral tissues. This type of DM is often associated with obesity.

In both types of DM, the result is interference with glucose transport across cell membranes in peripheral muscle and adipose tissue, leading to faulty oxidation and energy production. Metabolism of fat, carbohydrate, and protein is impaired, as are storage of glycogen in the muscle and liver and storage of fatty acids and triglycerides in adipose tissue. Amino acid cell transport is disrupted. Unrestrained gluconeogenic and glycogenolytic processes in the liver cause overproduction of glucose. As the blood glucose level rises, renal tubules fail to reabsorb all the glucose; this produces glucosuria and osmotic diuresis, with water and electrolyte loss through the urine. Hyperglycemia also damages myelin nerve coverings, leading to neuropathy. Glycosylation (attaching of glucose to protein molecules) in the capillaries causes thickening of the capillary membrane and microangiopathy. Atherosclerotic processes are accelerated, and vessel elasticity diminishes.

Symptoms

Abrupt onset with polyuria, polydipsia, polyphagia, weight loss, weakness, fatigue, dehydration

Usually asymptomatic in early stages, with pruritus vulvae a common presenting symptom in women; later manifestations include skin infections, cold extremities, fatigue, blurred vision, delayed healing, and polyuria

Potential Complications

Diabetic ketoacidosis is a common acute complication in type I diabetes. If left untreated, it leads to coma and death. Nonketotic hyperglycemic-hyperosmolar coma is an acute complication in type II diabetes. It is frequently accompanied by seizure activity and has a mortality rate of about 50%. Systemic chronic complications include cardiovascular and peripheral vascular disease, retinopathy, nephropathy, neuropathy, dermopathy, and impotence.

Diagnostic Tests

Fasting blood sugar

.140 mg/dl on two occasions

Glucose tolerance test

.200 mg/dl for 2-hour sample and one other sample after administration of 75 g of glucose

Absent in type I; normal or elevated in type II

Absent in type I; normal or elevated in type II

Treatments

Only for chronic complications such as coronary artery grafts, eye surgery.

Insulin for type I; oral hypoglycemics for type II.

Dietary control aimed at maintaining stable body weight, distributing caloric intake into small, evenly spaced loads, avoiding highfat, high-sugar foods; weight reduction with obesity; regular monitoring of blood sugar; education about disease, complications, medications, diet; counseling, support for adaptation to long-term disease.

1to1Core – Microsoft Azure #1to1 #core, #microsoft #azure, #hybrid #cloud #computing, #cloud #computing #application, #hybrid #cloud #os, #private #cloud #infrastructure, #hybrid #cloud #os #technology, #applications #of #cloud #computing, #cloud #computing #technologies, #what #is #private #cloud, #secure #cloud #hosting


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Hybrid Cloud OS

Enterprise Mobile Apps

Software for the Cloud

Cloud Dashboards

SERAEM

Ready to Rocket

Dynamically create your Vision

Why does my business
need a Cloud OS ?

Today’s world requires rapid adaption to new technology. Change can be daunting, but 1to1Core’s Hybrid Cloud OS has you covered. Let us help you maximize your potential using our customizable platform. Harmonizing your business with mobile and hybrid cloud computing is important, and the team at 1to1Core are here to ease your business through the transition.

What can I do with
a Cloud OS ?

1to1Core has been delivering the power of cloud technology to businesses for over 15 years. We can help you with anything from creating innovative custom Apps, to achieving truly secure web hosting, to back office management, to sales — even marketing tools and analytics! 1to1Core’s Hybrid Cloud OS allows your business to harness the power of the Cloud.

Why does my business
need a Cloud OS ?

Today’s world required rapid adaption to new technology. Change can be scary, but 1to1Core’s Cloud OS has you covered. Let us help you get your business up to date using our customizable App platform. Harmonizing your business with mobile and cloud computing is important, and 1to1Core Cloud OS are experts in easing the transition

What can I do with
a Cloud OS ?

1to1Core has been delivering the power of cloud technology to businesses over 15 years. From web hosting, to back office management, to sales & marketing tools and analytics. 1to1Core Cloud OS brings the knowledge and tools you need for your business to harness the power of the Cloud. Let us show you why adaptation is worthwhile.

It’s a 5 Screen World

We recognize that today is a place where people use multiple devices, from mobile to desktop, to control their day-to-day applications.

1to1Core’s Hybrid Cloud OS was built with responsive design in mind. Hybrid Cloud OS is an experience customized to your screen, at whatever size it may be. Never be stuck with desktop apps again, get onto the Cloud!

Public Moving Services – Best Rated Long Distance Moving Company in US #who #is #the #best #moving #company #for #long #distance


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Public Moving Services Becomes the Fastest Growing Moving Company in US

Public Moving Services opens new locations in several states every month.

Public Moving Services has become one of the fastest-growing long-distance moving companies in the US, having recently expanded to several new states. Now a leading moving company in the country, they serve homes and businesses all over the US, with a focus on Texas, North and South Carolina, Illinois, Kentucky, Massachusetts, Florida, Connecticut, Colorado, Indiana and Maryland.

The company understands that moving house can be both a stressful and exciting time, and this is doubly true for families moving to an entirely new state. With that in mind, Public Moving Services now offers the full range of moving and relocation services to help ensure that their customers get a great head start in their new homes. Their services are also tailored to meet the individual needs of the client, and they offer to take care of any packing before they load everything into the vans.

Being a full-service moving company, they also have their own storage depots. If customers are not quite ready to move everything to their new place, they can use secure storage facilities for as long as is necessary. Whatever the customer’s situation, Public Moving Services will take care of every individual moving need by providing all the services needed for the process to go smoothly. They also offer an optional package, whereby they can safely disassemble fragile electronic items and set them up in the new place.

Public Moving Services serves all 50 states, and they work with clients large and small from government-run facilities to small family homes. They are also supporters of the Senior Citizen Support Group, the World Vision for Children and the Department of Defense. However, while they might be a big company, they remain a family-owned entity. As such, they treat all their clients like family, priding ourselves on offering a safe, reliable and affordable service no matter what.

About Public Moving Services

Public Moving Services is based in Charlotte, North Carolina. They have more than 15 years of experience in the field of relocation services. Over the years, they’ve built up a reputation as one of the best moving services in the US, particularly when it comes to long-distance, interstate moves. They offer fast delivery, quality packing, a Web-based tracking system and professional customer support as well. As such, all customers can be confident that the company is the right one to choose for their move.

Pubic Moving Services

We take your move personally and we continually manage our ongoing commitment to quality. Public Moving Services is a licensed and insured, mid-sized company that provides our customers with single source accountability!

We are not the lowest price nor the highest, but we provide a value that’s unmatched in our industry. We’re big enough to get the job done, but small enough to care and meet your logistical challenges!

Long distance moving expertise

If you’re moving from state to state or cross country, you’ll want a mover who brings experience to the table. With 15 years of transporting our customers’ items carefully across the nation, you can be sure Public Moving Services is the right moving company for your long distance needs. Our friendly moving experts can prep you on what you’ll need to do to get ready for your long distance move. Don’t trust a cross country move to just any moving company.

Full-service moving, packing, setup and storage Public Moving Services

We know that with a move on the horizon, you have a lot to prepare for. That s why we offer a full range of moving services that can be customized to your needs. Let us take care of packing your items before we load them into our moving trucks. Upon arrival at your destination, we can also help unpack and set up. We also provide storage services if you re not quite ready to move everything into your new place at once. If convenience is an important element to your moving process, you ll love our Solution Driven Packing packages, offering services like electronics disassemble and setup as well.

Public Moving Services Team

So happy I used this company. The teams on both ends were amazing! At pickup everything was wrapped so professionally, I was so impressed. Thank you guys for a job well done!

Best movers I ve met in spite my previous bad experiences with moving companies. They did their best effort to meet my expectations. Everything was packed fast and skillful and my wife was very happy with their performance, I mean the way they covered our furniture to get it safety deliver to our new home. I recommend it to everybody.

Great job guys. Packing was good and delivery was on time !

Positive Cashflow Finance #what #is #factoring #finance


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At Positive Cashflow Finance, we approach each and every proposal with flexibility and creativity. Being an owner-managed and independent business, we are able to make funding decisions swiftly and work closely with both new prospects and existing clients to understand their needs.

So whether you are looking to finance a new-start enterprise, acquire an established business or are simply looking for a funder who is happy to listen, contact us .

Our Team

A true one-to-one approach, from one of the most experienced teams in the industry

Established in 2007, Positive Cashflow Finance is one of the country’s leading independent invoice finance companies.

Meet the key people behind the business

Everyone likes a bit of Positive news

Northern Quarter Agency Secures £75k – Positive have provided Jet Design & Marketing with a £75,000 funding facility to support their growth plans after winning a number of new contracts.

Odin Seals Positive Funding Line – Stockport based, new start recruitment firm, Odin Recruitment Group Ltd have secured a £150,000 funding facility from Positive.

CLS Lifted with Funding Boost – Contract Lifting Solutions has secured an £800,000 funding facility from Manchester based invoice finance specialists, Positive Cashflow Finance.

Positive see profits rise by 80% in 2015 – Positive have revealed an 80% increase in pre-tax profits, growing from £780,000 to £1.4m after recording a record turnover of £4.2m in 2015.

Positive Furnish Mercol with Facility – Darwen based office furniture manufacturing firm, Mercol (Office Furniture) Ltd has secured a £1.1million funding facility from Positive.

L J Workwear Set For Growth – Macclesfield based, L ?>

Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen Dealer Henderson NV New & Used Cars for Sale near Las Vegas NV – Valley Automall #bmw #repair #las #vegas, #valley #automall #henderson #nevada #new #used #car #dealer #nv #near #las #vegas #where #is #best #preowned #vehicles #me #auto #repair #service #maintenance #parts #find #car #truck #suv #van #finance #lease #specials #reviews #preapproved #tires #battery #brakes #oil #change #coupon


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Valley Automall located in Henderson, NV, near Las Vegas, NV.

Visit Valley Automall in Henderson, NV for the 2017 or 2018 Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen.

Valley Automall carries the following new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen models:

We Are Your Henderson, NV New and Certified Pre-owned Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen Dealership near Las Vegas.

Are you wondering, where is Valley Automall or what is the closest Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen dealer near me? Valley Automall is located at 7740 Eastgate Road, Henderson, NV 89011. You can call our Sales Department at 702-570-2257, Service Department at 702-570-2257, or our Parts Department at 702-570-2257. Although Valley Automall in Henderson, Nevada is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen models that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Valley Automall a great experience every time.

New Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen Models for Sale at Valley Automall

Looking for a new 2017 or 2018 Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen? Look no further than Valley Automall in Henderson, Nevada. We offer a full lineup of new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen vehicles. Our knowledgeable Valley Automall new car dealer staff is dedicated and will work with you to put you behind the wheel of the Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

Used Cars, Trucks, and SUVs for Sale at Valley Automall

As a leading Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen dealer near Las Vegas, Valley Automall also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Nevada. Stop by Valley Automall or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

Auto Finance, Loans, Leasing, and Pre-approvals

Visit our Valley Automall finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

Auto Body Repair, Service, Parts, and Accessories

Our state-of-the-art Service Department here at Valley Automall will keep your new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen, or for more information about any of the services offered by Valley Automall.

2017 Valley Automall. All Rights Reserved.

Online Management – Organizational Leadership Degree #what #is #organizational #leadership #degree


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Management and Organizational Leadership Degree – Online

A new cohort of Management and Organizational Leadership in the online format will begin every semester with students completing the major after 16 months. All course material is completed online, with one required face-to-face weekend at the beginning of the cohort.

Designed for busy adults

Designed to help adults complete a degree online successfully, the Management and Organizational Leadership online degree program features the same 13 courses we teach in our classroom format. Cohorts start each spring, summer and fall semester.

  • Take online courses from the comfort of your own home or any other location with an Internet connection
  • Meet your professors and classmates at the beginning of the cohort during our “face-to-face” weekend at our center in Portland, Oregon (begins on Friday morning and ends on Saturday afternoon)
  • Complete your degree in as few as 16 months (View Cohort Calendars Here)

Goals of the MOL online degree program

Students will learn to:

  • Articulate principles of organizational dynamics relating to systems, culture and environment
  • Demonstrate effective communication skills and an understanding of organizational communication processes
  • Compare and contrast leadership theories, models and styles
  • Develop insight into personal leadership style
  • Identify the dynamics of globalization and the implication for organizational strategy and operations
  • Develop a working knowledge of decision-making, finance, and interpersonal and group dynamics
  • Develop the analytical and research skills necessary to identify organizational problems and to formulate solutions for those problems
  • Demonstrate an understanding of ethics and Christian values and their applications for organizations

Credit Requirements

To graduate with a bachelor’s degree, you must complete a total of 126 semester hours as follows:

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


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Marijuana and Addiction

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

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

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

Is marijuana addictive?

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

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

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

How do I stop smoking marijuana?

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

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

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

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

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

Where do I go from here?

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

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

References

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

Signs You re Sleep Deprived #signs #you’re #sleep #deprived, #sleep #deprived, #are #you #sleep #deprived, #signs #you’re #exhausted, #health #effects #of #sleep #deprivation, #signs #you’re #body #is #tired


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    Signs Your Body Is Too Tired to Go On (Even if You’re Not)

    Photo: Jade Copple

    1. You’re clicking your pen and tapping your feet.

    What’s happening: When you move your muscles, you cue your brain to stay alert, says Hans P.A. Van Dongen, PhD, assistant director of the Sleep and Performance Research Center at Washington State University. So if you’re fidgety and restless and feel as if you you can’t sit still or would rather (always) stand, Van Dongen says that “it could be your brain’s way of trying to keep you awake.”

    What else you should know: Fidgeting could also be a sign that you’ve had too much caffeine. The recommended daily limit is 500 to 600 mg, or about 4 cups drinking more than that is another less-than-subtle sign that you need more rest.

    2. You’re lapsing, you don’t know you’re lapsing and you don’t know even know what the heck lapsing is.

    What’s happening: Lapsing, in technical terms, is when parts of your brain take a stealth catnap. When you’re exhausted, the sections that control attention and response time start taking breaks from processing new information, explains Van Dongen. These “mini-sleeps” could be as short as half a second, and you may not even notice that you’ve fallen into them.

    What else you should know: Van Dongen suggests a lapsing test: Sit in a dark, quiet area while holding a pencil in one hand. Set a timer for 5 minutes, and just relax and breathe. If the pencil drops, that’s a clear sign you and your brain need more sleep.

    3. You’re having trouble swiping your office ID, balancing your coffee and making it through the door before it closes again.

    What’s happening: This combination of simple tasks, done in sequence and under a time limit, is a fine test of your psychomotor skills and coordination, which are some of the first things to go when you skimp on shut-eye. In one 1997 study, researchers found that a person who has gone for even one night without sleep is about as impaired on early morning hand-eye coordination as someone who has a blood alcohol level of .10 percent, also known as legally drunk.

    What else you should know: Sleep deprivation doesn’t have the same effect on the parts of your brain that handle critical reasoning. so even if you’re having trouble with appliances, you still may have no noticeable problem with writing a strategy memo or analyzing reports.

    4. You act like Mrs. Silly Pants at breakfast.

    What’s happening: Your brain is having trouble telling you how to behave, so you’re more reactive to stimuli from your surroundings. The sun seems so bright and cheerful, the coffee tastes soooooo good and that cat going nuts with the empty cereal box is just hi-larious.

    What else you should know: Staying on an even keel will be your big challenge today, says Van Dongen. Your mood will probably go from goofy to grouchy as soon as something doesn’t go your way.

    5. and you’re a hot, emotional mess for the rest of the day.

    What’s happening: Watch out, coworkers, spouses and innocent bystanders: Weakened emotion-regulating systems in the prefrontal area of the brain may make it hard for you to control and express your feelings. For example, if someone criticizes you, it will upset you more than usual, says Van Dongen, and you’ll be more likely to say or do something you’ll regret. Research from William D.S. Killgore at Harvard Medical School also showed that two nights without adequate sleep was associated with a reduced tendency to think positively and a lack of willingness to take action to solve problems. “Thus, sleep-deprived individuals appear to be more easily frustrated, intolerant, unforgiving, less caring and more self-focused than when fully rested,” he wrote. In other words, you’re acting kind of jerky.

    What else you should know: While caffeine may give you a shot of adrenaline, studies show it’s often ineffective at fixing the other emotional glitches brought on by sleeplessness.

    6. You’re craving carbs big time.

    What’s happening: Research has shown that just one night of meager sleep lowers levels of the appetite-suppressing hormone leptin and boosts levels of hunger-increasing ghrelin. The body wakes up craving quick. easy energy. That choco-chunk muffin will do, thank you. Volunteers in one study at the University of Colorado at Boulder who got 4.5 hours (or less) of sleep also reported feeling more ravenous than those who got the magic 7 hours.

    What else you should know: Eating breakfast within an hour or so of waking has been shown to increase alertness and improve cognitive performance. So embrace the carbs, but make sure they’re the slow-dose kind that won’t cause you to fizzle (steel-cut oatmeal is a great choice).

    7. You get a second wind at 9:30 p.m.

    What’s happening: Your body is keeping you up for that last stretch of the evening so it can get you back into a rhythm, says Rafael Pelayo, MD, a sleep specialist at the Stanford University Sleep Medicine Center and an associate professor of psychiatry and behavioral science. He says that what often happens is the patient who’s been running on empty will promise herself she’ll go to bed early. “Early” rolls around and she feels fine, so she keeps getting things done. but then ends up with only 6 hours of sleep (again). When she snoozes through her alarm, she tells herself everyone has trouble getting out of bed.

    What else you should know: We fall into our deepest sleep during the two hours before our natural wakeup time, Pelayo says. So put down the to-do list and pick up the toothbrush: It’s still easier to force yourself to go to bed than to force yourself to wake up (starting with 15 minute increments can help).

  • Human Resource Management (HRM) – Definition and Concept #hrm, #human #resource #management, #what #is #human #resource #management, #human #resource #management #definition, #hr #management


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    MSG Management Study Guide

    Human Resource Management (HRM) – Definition and Concept

    We often hear the term Human Resource Management, Employee Relations and Personnel Management used in the popular press as well as by Industry experts. Whenever we hear these terms, we conjure images of efficient managers busily going about their work in glitzy offices.

    In this article, we look at the question what is HRM ? by giving a broad overview of the topic and introducing the readers to the practice of HRM in contemporary organizations. Though as with all popular perceptions, the above imagery has some validity, the fact remains that there is much more to the field of HRM and despite popular depictions of the same, the art and science of HRM is indeed complex. We have chosen the term art and science as HRM is both the art of managing people by recourse to creative and innovative approaches; it is a science as well because of the precision and rigorous application of theory that is required.

    As outlined above, the process of defining HRM leads us to two different definitions. The first definition of HRM is that it is the process of managing people in organizations in a structured and thorough manner. This covers the fields of staffing (hiring people), retention of people, pay and perks setting and management, performance management, change management and taking care of exits from the company to round off the activities. This is the traditional definition of HRM which leads some experts to define it as a modern version of the Personnel Management function that was used earlier.

    The second definition of HRM encompasses the management of people in organizations from a macro perspective i.e. managing people in the form of a collective relationship between management and employees. This approach focuses on the objectives and outcomes of the HRM function. What this means is that the HR function in contemporary organizations is concerned with the notions of people enabling, people development and a focus on making the employment relationship fulfilling for both the management and employees.

    These definitions emphasize the difference between Personnel Management as defined in the second paragraph and human resource management as described in the third paragraph. To put it in one sentence, personnel management is essentially workforce centered whereas human resource management is resource centered. The key difference is HRM in recent times is about fulfilling management objectives of providing and deploying people and a greater emphasis on planning, monitoring and control.

    Whatever the definition we use the answer to the question as to what is HRM? is that it is all about people in organizations. No wonder that some MNC s (Multinationals) call the HR managers as People Managers, People Enablers and the practice as people management. In the 21st century organizations, the HR manager or the people manager is no longer seen as someone who takes care of the activities described in the traditional way. In fact, most organizations have different departments dealing with Staffing, Payroll, and Retention etc. Instead, the HR manager is responsible for managing employee expectations vis-�-vis the management objectives and reconciling both to ensure employee fulfillment and realization of management objectives.

    In conclusion, this article has briefly touched upon the topic of HRM and served as an introduction to HRM. We shall touch upon the other topics that this field covers in other articles.

    Following are the important concepts of Human Resource Management:

    Similar Articles Under – Human Resource Management

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    Oklahomans want a less barbaric criminal justice system #is #the #criminal #justice #system #really #a #system


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    Oklahomans Want a Less Barbaric Criminal Justice System. The State Doesn’t.

    Oklahomans Want a Less Barbaric Criminal Justice System. The State Doesn’t.

    Oklahomans Voted to Make the State’s Criminal Justice System Less Barbaric

    United States Congress

    In November, Oklahomans voted overwhelmingly to reform their bogged-down criminal justice system. In one of the most conservative states in the country, voters approved two referendums to make low-level drug and property crimes misdemeanors instead of felonies and to use the subsequent cost savings to fund rehabilitation programs. The will of voters won t necessarily become enacted as state law, though. The referendums were put forward as state questions rather than binding constitutional amendments, which means the Oklahoma Legislature can edit the reforms any way they want before they go into effect on July 1. State representatives are using that power to try to stop criminal justice reform before it takes root.

    Oklahoma s House of Representatives approved a bill on Thursday that would once again make it a felony to possess any amount of drugs within 1,000 feet of a day care facility, school, university, park, or church or around any child under the age of 12. Those enhancement zones would cover a huge swath of the state s biggest cities, essentially making drug possession a felony again in most places where Oklahomans live. If the bill passes in the Senate and gets the signature of Republican Gov. Mary Fallin, it will essentially gut policies that were approved by voters just a few months ago

    In pushing for this legislation, Oklahoma politicians are following the lead of the state s district attorneys. The anti-reform bill is backed by the powerful Oklahoma District Attorneys Association, and most of the DAs in the state have criticized or opposed the referendums. The district attorneys who opposed our reforms are very influential within the state legislature, said Kris Steele, former Republican speaker of the State House and one of the leaders of the pro-referendum campaign. They are good at scaring and pressuring and manipulating lawmakers into passing policies that ultimately benefit their position.

    District attorneys have been working hard to prevent these reforms from being implemented, even in counties that overwhelmingly supported the referendums. In the state s most populous district Oklahoma County, which includes Oklahoma City the referendums passed with almost 70 percent of the vote. But District Attorney David Prater has been publicly critical of the ballot measures, arguing that the threat of long prison sentences is necessary to incentivize drug addicts to change their behavior. The district attorney in Tulsa, where 65 percent of voters supported the reforms, has also voiced his opposition. Proposition 780 will make Oklahoma the most liberal drug possession state in the union, Steve Kunzweiler said in a statement. apparently ignoring the states that have decriminalized or legalized marijuana.

    Kunzweiler and other district attorneys have repeatedly tried to draw unfounded connections between low-level drug possession and violence, gang activity, and even murder. Cleveland County District Attorney Greg Mashburn, for one, has argued that the failure to obtain harsh sentences for drug possession could let defendants go free to commit more violent crimes. I will have a conversation with a family with a guy who s been six times in the county jail for meth, and then he kills somebody, he told KFOR. And, I will have to tell them, if the law hadn t changed, I might have stopped this guy. (The referendums passed with 66 percent of the vote in Cleveland County.)

    Oklahoma’s DAs could charge fewer crimes as felonies. Instead, many cling to a draconian, tough-on-crime ethos.

    The district attorneys rhetoric has now been adopted by the state legislature. Scott Biggs, the state representative who introduced the enhancement zone bill, says that voters didn t realize what they were doing. After hearing from my constituents after the election, I believe there is a large group of voters that didn t understand that this state question would essentially decriminalize drugs in schools, parks, and playgrounds, he said. I m all for cleaning up our books to have a more efficient justice system but not at the expense of our children.

    To be clear, the ballot measures that Biggs seeks to overturn didn t have any effect on state laws about the sale or distribution of drugs. After the passage of those two referendums, a drug dealer hawking kilos on a playground will still be eligible for a felony charge, and possession of drugs on school grounds is also still a felony. Yet, under Briggs safe zone bill, young people caught with pot at their high school or college campus could face lifelong felony records.

    The bill working its way through the legislature threatens to continue the tradition of draconian punishments for low-level crimes that has long defined criminal justice in Oklahoma. The state has the second-highest incarceration rate in the country, and incarcerates both women and black people at a rate higher than any other state. There s an overcrowding crisis in the state s prisons, which are currently at 115 percent capacity. and more than half of the inmates suffer from mental health issues. A staggering 1 in 12 residents is a convicted felon. facing lifelong barriers to employment, housing, and education. Many crimes that are misdemeanors in other states, like low-level drug possession, are felonies in Oklahoma. If a first-time offender is caught with any marijuana in Oklahoma, he can go to jail for a year. Twice, and he could go to jail for 10 years. Until 2015, some nonviolent drug offenses could land you in jail for life without parole.

    But it s not just the harsh laws that are the problem: It s the prosecutors. Oklahoma s district attorneys could decide to charge fewer crimes as felonies, helping to alleviate Oklahoma s bloated prisons problem on their own. Instead, many still cling to a draconian, tough-on-crime ethos that most states have sworn off. In the last six years, 31 states have managed to reduce incarceration while also reducing crime. In contrast, Oklahoma s prison population has grown by 9 percent in the last five years. How is that happening? Consider that in 2016, Prater, the district attorney of Oklahoma County, filed more than 10,000 felony indictment s. That s more than the amount filed in Manhattan and Brooklyn, New York, combined in 2015 jurisdictions that have five times more people.

    The two voter-approved referendums would help turn the criminal justice system around. State Question 780, which reclassified some felonies to misdemeanors, is expected to reduce annual prison admissions by 20 to 25 percent, saving the state millions of dollars. State Question 781 would reinvest those cost savings into a fund for rehabilitative programs, such as mental health and substance-abuse treatment programs that are much needed in the state with the highest rate of prescription drug abuse in the country. Under the new policies, people convicted of drug possession could get counseling, job training, and treatment instead of sitting in prison for years.

    The legislators and district attorneys that oppose these ballot measures are outside the largely bipartisan consensus on the need for criminal justice reform. Last month, a task force assembled by the governor recommended that the state drastically reduce its prison population. While the recommendations were supported by some law enforcement officials, Oklahoma s district attorneys still rejected the need for change. This is such a dishonest report, Prater said. It s going to make Oklahoma a much more dangerous place.

    Proof, if it were needed, that you cannot change a government via ballot measures. If Oklahomans really want a less barbaric criminal justice system – or a less bad anything – they have to stop electing Republicans. More.

    The enhancement zone bill is now headed to the state senate. If it passes, it s possible Fallin will veto it. Although she s said that she opposes the bill, the governor hasn t yet indicated what she will do if it comes across her desk.

    As more voters pay attention to the legislative process, the push to undo the referendums may face increasing blowback. At a raucous town hall meeting in Oklahoma City last month, Republican State Sen. Ralph Shortey, who opposed the referendums, faced 200 constituents who opposed making any changes to the measures they d voted to pass. Do your job, one attendee yelled at Shortey. Leave the people s voice alone. The room broke into applause.

    Rory Fleming is a legal fellow at the Fair Punishment Project .

    Gastric Sleeve Los Angeles – What is Sleeve Gastrectomy? UCLA Bariatric Surgery, Los Angeles, CA #sleeve #gastrectomy, #what #is #a #sleeve #gastrectomy, #gastric #sleeve #doctors, #ucla #gastric #sleeve #surgery, #los #angeles #sleeve #gastrectomy, #ucla


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    Gastric Sleeve

    Definition

    What is a Gastric Sleeve?

    Surgeons perform laparoscopic sleeve gastrectomy by removing approximately 75-80 percent of the stomach. Many surgeons and physicians use the term sleeve gastrectomy, though most patients are familiar with the term gastric sleeve, which is easier to remember. At the UCLA Center for Obesity and METabolic (COMET) Health, we offer the latest surgical weight loss treatments for Southern California, including the vertical sleeve gastrectomy .


    Gastric Sleeve Illustrations

    They are the same operation, and they leave the remaining stomach as a tubular pouch that resembles a banana. The Sleeve gastrectomy is a relatively new procedure but has gained popularity because of its low complication rate and good weight loss results.

    Almost 42 percent of all bariatric surgeries performed in the United States in 2013 were sleeve gastrectomies, which makes it the most popular weight loss surgery, according to the American Society for Metabolic and Bariatric Surgery.

    How Does Sleeve Gastrectomy Work?

    The Sleeve Gastrectomy aids in weight loss for a number of reasons, including:

    • The new stomach pouch holds considerably less than the normal stomach and helps to reduce the amount of food you can eat in one sitting comfortably. The food also moves faster in the new stomach pouch.
    • There is a significant effect on gut hormones that help you feel less hungry and fuller longer.

    Research demonstrates that sleeve gastrectomy is as effective as Roux-en-y gastric bypass. and its benefits include:

    • Similar weight loss to Roux-en-y gastric bypass
    • Similar reversal of obesity-related health problems, including type 2 diabetes, high blood pressure, fatty liver disease and sleep apnea, as Roux-en-y
    • Lower complication rates than Roux-en-y
    • Relatively short hospital stay of approximately one or two days
    • Lower chance of nutrient deficiency

    Sleeve Gastrectomy Video:

    It s important to note that sleeve gastrectomy is a nonreversible procedure, and some patients may experience treatable heart burn after surgery.

    Vertical Sleeve Gastrectomy

    Vertical Sleeve Gastrectomy Expertise

    We offer a superior level of expertise and skill in vertical gastric sleeve procedures. At Ronald Reagan UCLA Medical Center. where our bariatric surgeries are performed, we are the No. 1 ranked hospital in California and in the Los Angeles metro area according to U.S. News World Report. We have also been ranked as the best hospital in the West for 15 years and counting. We offer:

    • Low complication rates: Our special technique for performing these surgeries gives us a more accurate representation of the final sleeve size before we create it. This minimizes the risk for a sleeve that is too narrow, which can lead to leaks. None of our patients has ever experienced a leak.
    • Access to promising new research: Our specialists are harnessing the power of up-to-the-minute science to predict who will benefit the most from available weight loss treatments. This gives our patients the opportunity to participate in research trials on new approaches and treatments for obesity not commonly available in the U.S.
    • Sleeve gastrectomy specialists: We bring the highest level of experience and expertise to these procedures. Because of this, we are commonly sought out by patients to fix sleeve gastrectomies they ve had done at other hospitals.
    • Advanced technology: We offer the latest operating room technology, including da Vinci Robotic surgical systems and fully digital operating suites.

    Contact Us

    To schedule a consultation with UCLA Bariatric Surgery in Los Angeles, California, call us at (310) 825-7163 or
    fill out our online form

    For a physician referral, please call (800) UCLA-MD1 (825-2631).

    *Weight loss results can vary depending on the individual. There is no guarantee of specific results. Read full disclaimer

    Review: Captain Morgan Loconut – Best Tasting Spirits #is #captain #morgan #whiskey


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    Review: Captain Morgan Loconut

    by Jeff Ellingson

    Captain Morgan Loconut was just released. It is made with a blend of real coconut liqueur, Captain Morgan rum, Caribbean spices, and natural flavors. This is the second follow up to their original citrus, and pepper, spiced rum flavored, Captain Morgan Cannon Blast, that was launched August 2015. Their pumpkin spiced rum flavored Jack-O-Blast was introduced September 2016. All three of these flavors are designed primarily to be consumed as a shot, but, while Cannon Blast and Jack-O-Blast weigh in at 70 and 60 proof, Loconut hits the scale at 40 proof. It pours to a creamy beige coconut milk color. The aroma is cinnamon and coconut ice cream with a rum backing. The milky coconut and cinnamon entry has the feel of skim milk. Vanilla, nutmeg, and rum flavor arrive at the mid point before fading with a warm sting, and more spiced rum flavor. There is a mild alcohol burn on the finish. Loconut is certainly less sweet than I expected, and I wasn t expecting the milky flavor at all.

    Livin Vanilla Loco

    1 Oz. Captain Morgan Loconut

    1/2 Oz. Crown Royal Vanilla

    Strain Into a Shot Glass

    Made with rum Distilled in St Croix

    Award: Silver Medal

    About Best Tasting Spirits

    Welcome to Best Tasting Spirits, your daily blog source for alcohol reviews and more. Created by Jeff Ellingson this site is designed to reflect your drinking style. While most alcohol is enjoyed cold, most alcohol reviews are conducted with alcohol served at room temperature. Does this make sense? Our alcohol is reviewed at 36 degree unless stated differently.

    Reviews are done on a point scale from 80-100. This scale was developed to better align with existing alcohol review sites. Medals will be awared based on the following scores:

    86-87 Bronze Medal
    88-90 Silver Medal
    91-93 Gold Medal
    94-96 Double Gold Medal
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    What is VoIP telephone? Webopedia Definition #voip #telephone, #phone, #voice #over #ip, #define, #dictionary, #definition, #web #hosting #service, #define, #what #is, #webopaedia, #webopedia, #glossary, #dictionary, #encyclopedia, #tech #terms, #technology


    #

    VoIP telephone

    Related Terms

    Voice over Internet Protocol, or VoIP, telephone products connect to VoIP. or Internet telephony. systems, which use packet-switched telephony to transmit calls over the Internet as opposed to the circuit-switched telephony used by the traditional Public Switched Telephone Network (PSTN ).

    How it Works

    VoIP telephones look and largely function like standard phones, but they have built-in IP technology and an RJ-45 Ethernet connector instead of the standard RJ-11 phone connector that enables the VoIP phone to connect directly to a router for making and receiving IP calls. A standard phone can also function as a VoIP telephone when used with an analog-to-digital converter called an ATA, or analog telephone adaptor. Another option is to bypass the phone entirely and simply use a VoIP-capable computer to make and receive IP calls.

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    CardEasy PCI DSS compliant card payment by phone #what #is #pci #dss #compliant


    #

    PCI DSS solution for card payment by phone and call recording

    CardEasy enables you to de-scope your call centre environment and call recordings from PCI DSS, reducing the risk and costs associated with managing card payment transactions in your contact centre, as well improving customer trust and average call handling times.

    Watch our demo to see how CardEasy works.

    How does CardEasy work?

    1. A caller wishes to pay by card over the phone
    2. The contact centre agent initiates a request for card authorisation in mid-conversation with the caller
    3. The caller is prompted to enter their card number via their telephone keypad
    4. The audio from the agent to the caller remains open throughout
    5. Audio from the caller to the agent is cut briefly while the middle six digits of the long card number (PAN and the CV2) are entered, to ensure that there is no way the agent (nor the call recording) can be exposed to the card number by hearing either the DTMF tones or the caller reading out the numbers
    6. The complete call can be recorded but the sensitive DTMF tones are masked from the recording as well
    7. The agent is alerted via their screen when payment has been authorised.

    Taking payment using CardEasy


    What s special about CardEasy?

    CardEasy enables you to comply fully with PCI DSS as follows:

    • Your agents will not be exposed to callers’ sensitive card numbers
    • Card numbers will not be stored in your call recordings or captured in screen recordings
    • As the sensitive card numbers do not enter your contact centre or network, this de-scopes this environment almost completely from PCI DSS regulations and audit requirements
    • Your agents can talk to the caller throughout to control the call and transaction. CardEasy automatically blocks the audio in the direction of the agent just during capture of the middle six digits of the PAN and also the CV2 to prevent your agents and call recording system from overhearing or capturing these sensitive details, even if the customer reads them out whilst entering them using their telephone keypad.

      CardEasy also offers you a customer self-service autopay option (IVR) for when no agent assistance is required, such as balances payable.

      Note that pause and resume solutions for call recording which cut the call recording at the point at which the agent asks for the card details will still leave the agent exposed to them. This means that the contact centre environment and agents are still ‘in scope’ for PCI DSS regulations and open to the risk of fraud, exacerbated because the critical part of the call is not recorded. Such systems do not therefore offer full PCI DSS protection/de-scoping and can expose your contact centre to ongoing security risks.

      Hosted or premise-based?

      The system is available in Syntec either network-hosted or hybrid premise-based (CPE) versions, supporting both SIP, ISDN or any mix of the two. If you have SIP-based telephony you may opt for a fully cloud-based variant which removes the need for any premise-based equipment. All versions use the CardEasy cloud for their PSP connections and the hybrid and cloud options work with your existing telephony provider.

      In the case of a hybrid CPE- based solution, CardEasy hardware is located on the customer’s premises installed between the ISDN30e/SIP lines and the telephone system. All inbound and outbound calls are routed via the CardEasy hardware supporting ISDN30e/SIP lines from any network provider. The CardEasy hardware captures the PAN and CV2 entered by the customer using their telephone keypad, with the agent remaining in conversation with the customer throughout. This data is then conveyed to the CardEasy core network over a secure link. Further hardware at Syntec collates this information and forwards it to the PSP for processing, returning the result to the agent (and back office systems if required) in real-time.

      In all cases CardEasy is offered as a fully managed service and offers you full PCI DSS de-scoping. If you use the hybrid premise-based solution then you will be responsible only for the physical security of the appliance.

      Cost-effective compliance

      Using CardEasy saves you time and money by taking your call centre operations out of scope from PCI DSS controls, whilst removing the need for time consuming oversight and PCI audits. Set up costs are low and ongoing managed service costs are ‘per agent’ or ‘per channel’ depending on your organisation’s requirements, so can be linked directly with your channel/agent utilisation.

      What our customers say

      CardEasy keypad payment by phone was the perfect fit to resolve the PCI compliance and data security needs in Staples major call centres in Europe. This was because of its ease of use mid-call, the breadth of PCI DSS issues it resolves in one go, the flexibility of integration with all our differing systems and the ability for them to meet our tokenisation requirements

      Jurgen van Roon Senior Project Manager – Security, Staples

      We wanted to further enhance data security in our call centre and decided to use Syntec’s secure phone keypad payment (DTMF), as it’s important to our customers that our payment solution is safe and easy to use.

      CardEasy works just as effectively for callers in the USA, Germany and Australia as in the UK.

      Simon Kerry Chief Information Officer, Charles Tyrwhitt

      The CardEasy solution easily de-scopes us from PCI DSS compliance and mitigates the risk of any internal fraud. The platform is scalable and easy to use…along with the confidence we have in Syntec who have been instrumental in a smooth implementation, guiding us and offering insight.

      Eoin Heneghan Head of Collections, Allied Irish Bank

      We have been impressed by the flexibility, ease of integration and support of the CardEasy system, as well as its PCI DSS security to protect in-house operations and our outsourced service providers in the USA and EMEA.

      Gary Lazarowics Head of eCommerce & Sales Support, Micron

      Miele selected Syntec’s pioneering, hosted CardEasy system to enrich customer service whilst de-scoping us from large sections of PCI DSS regulations, which otherwise require significant cost and effort to satisfy.

      Paul Aram IT Manager, Miele

      What makes Syntec’s CardEasy payment service stand out is that to customers it is so much more secure.

      Janette Wynn Operations Director, Freestart PLC

      Benefits of CardEasy

      • Customers enter their credit card number and 3 digit security code mid-call with the agent, using their phone keypad (DTMF touchtones).
      • Your agents, whether in your contact centre, working from home or in an outsourcer, cannot see or hear the card information and it is not stored in the call recording.
      • Tokenisation, card scheme surcharging and BIN look-up are all supported.
      • Works either as a network-hosted solution or a hybrid, premise-based system or in the cloud, depending on how your call traffic is managed.
      • Customer self-service autopay version (IVR) also lets you take secure payments out of hours or without the need for an agent.
      • Partnered with all major payment gateways /service providers and can easily be integrated with your back office and CRM systems.
      • Speech recognition module available (in different languages) as well as SMS and secure webchat and email payment and bank debit options.

      What our partners say

      Worldpay is a recognised leader in security and risk. Our joint proposition with Syntec offers a secure transaction service while removing the need for call centres to have onerous annual PCI audits.

      Keith Dallas Chief Product and Marketing Officer, Worldpay eCommerce

      Realex is delighted to be partnering with Syntec’s CardEasy ‘keypad payment by phone’ technology, which is fully integrated with the Realex payment gateway. This enables our customers to de-scope call centres, outsourcers and home-workers from PCI-DSS regulations and audits, whilst providing seamless and secure MOTO transactions.

      Head of Partnerships Realex Payments

      Find out more or request a demo now

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    How and where to buy life insurance – Money Advice Service #what #is #the #best #life #insurance #to #get


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    How and where to buy life insurance

    Life insurance payments can start from just a few pence a day depending on how much cover you want, but also on the likelihood of anything happening to you. But even if you’re high risk, you don’t need to accept the first life insurance offer that comes along – it always pays to shop around.

    How much does it cost?

    How much you pay for life insurance depends on the amount of cover you want (i.e. the amount you want paid out upon your death) as well as the likelihood that you will die in the near future.

    For this reason, the amount you pay for life insurance every month (your premium) will depend on a few things, including:

    • Age
    • Marital status
    • Hobbies (for example, extreme sports)
    • Whether you smoke or have previously smoked
    • Health (your current health, your weight, your family medical history)
    • Job (some professions carry a higher risk than others and might mean you have to pay more each month)

    The older you are and the higher the level of cover you’re looking to purchase, the more likely it is that your insurer will ask your GP for additional medical information, or ask you to undergo a medical examination.

    The amount of cover you need will depend on:

    • Any debts
    • Mortgage/rent
    • Number of dependents
    • Take home pay or income from other sources

    How much cover do I need?

    You can work out how much cover you need in three quick steps.

    Step 1: First add up:

    • Your debts: your total mortgage and other debts, such as credit card debts or personal loans.
    • Expenses you want the insurance to cover: your basic monthly outgoings and any other costs, such as child maintenance, school or university fees. You might want to leave a lump sum for someone, or use it to cover your funeral costs.

    Step 2: See what kind of cover you already have

    For example, if you’re employed, your benefits package might include a ‘death in service’ pay-out – a lump sum that’s a multiple of your annual salary at death.

    Step 3: Calculate the cover you need

    When you have these two figures, take away the benefits or cover you already have from the total amount your dependants need.

    The result is the amount of life insurance cover you should take out. Alternatively, a common rule of thumb is to multiply your annual income by 5 or 10.

    Now think about the length of time you want the policy to last.

    You might decide that it should end at the same time as your mortgage, when your children finish full time education, or up until you die.

    Life insurance example

    Add up

    John (42) and Judith (39) have a joint household income of £41,000 per year.

    They have an outstanding mortgage of £213,000 which they expect to pay off in 18 years.

    They also took out a £5,000 loan to purchase a car. Their basic monthly outgoings are £1,000 (£12,000 per year).

    What you already have

    Through his employer, John has death in service cover worth four times his annual salary.

    A total of £100,000. Judith is self-employed and does not have a similar benefit.

    Calculate the cover you need

    They decide they need enough life insurance to cover their mortgage, their car and their basic annual outgoings.

    John’s death in service cover is enough to cover the car and living costs, so they take out an 18 year life insurance policy to cover their mortgage.

    Life insurance is often paired with another product, such as income protection insurance.

    Learn more in our guide Do you need income protection insurance?

    Should your policy be inflation linked?

    You don’t need your policy to be inflation linked if you just want to cover your mortgage.

    If you want to continue your family’s current lifestyle then it ought to be linked to inflation.

    What happens to the monthly payments if I can’t work?

    For a small extra cost you might be able to buy ‘waiver of premium’ cover.

    If you can’t work because of illness or injury this will cover your monthly payments, but usually only after you’ve been off sick for at least six months.

    Another option is to take out a different kind of insurance policy that will help cover your outgoings if you get ill.

    Where to go for quotes

    To find the best value on cover, compare as many offers as possible.

    You can get life insurance quotes from:

    • Banks
    • Specialist brokers
    • Credit card companies
    • Independent financial advisers
    • Retailers including major supermarkets
    • Insurers that don’t sell through comparison site
    • Comparison sites – use a variety of sites to make sure you look at a wide range of offers
    • Your mortgage provider – most offer life insurance automatically when you take out a mortgage, but you might be able to find a better deal elsewhere

    Using a broker

    If you’re not sure about what level of cover or type of insurance policy you might need, you might want to use an insurance broker.

    These market experts can often help you find the insurance product you need at a good price.

    There might be a charge for this so always check how (and how much) they will charge when you first speak to them.

    Use our FAQ guide. which covers the basic questions that you might want to ask an adviser, or the questions they will ask you.

    Be honest about your medical history

    Research from the ABI found that 97% of protection insurance claims were paid out in 2013. The majority of refused claims were due to non-disclosed information.

    Although the vast majority of claims are successful, it’s important to give your insurer all the information they ask for.

    When a claim is made, insurers will look at your medical history and if you didn’t answer truthfully or accurately in your application, or didn’t disclose something, they might not pay out.

    Buying a policy

    Read the small print

    Read the small print before you take out the policy so that you know what you’re buying.

    Make sure you know exactly what is and isn’t covered. If you see something you don’t understand, ask the insurance provider, or your insurance broker or financial adviser.

    Exactly what is excluded (what isn’t covered) can vary by insurer. When you’re comparing offers, you must read these definitions so you can be sure you’re comparing similar policies.

    Use our protection insurance jargon buster to help you make sense of the jargon that’s often used.

    Changing your mind

    Once you’ve bought an insurance policy you have a right to change your mind within 30 days and get a full refund.

    If you already have life insurance, is it worth switching?

    If you’re young and/or healthy, you might find it easy to get a better deal.

    But as you get older or develop medical problems, you might find it’s cheaper to stick with a policy you bought when you were younger.

    hop around and remember to check with your existing provider too.

    In any event, if you do decide to switch, don’t cancel your existing policy until the replacement policy is fully set up and you have made the first monthly payment.

    Once you have cancelled a policy, you can’t change your mind.

    Keeping your cover up to date

    It is inevitable that your life insurance needs will change.

    You should review your policy to make sure your premiums are competitively priced and that you still have the right amount of cover.

    Common reasons to add more cover are:

    • You’ve had another child
    • Your partner has stopped working
    • You’ve taken out a new mortgage

    On the other hand, if you change jobs and your new benefits package includes a higher ‘death in service’ benefit, you might be able to decrease your level of cover.

    Do you need income protection insurance? This type of insurance provides regular payments if you are unable to work due to illness or injury.

    Do you need payment protection insurance? Payment protection insurance will help you keep up with payments if you can’t work because you’re ill, had an accident or made redundant.

    Do you need short term income protection? This solution provides short term cover to help you pay for essential outgoings if you find yourself unable to work.

    Do you need critical illness insurance? This type of policy will provide you with a tax-free ‘lump sum’ if you’re diagnosed with a serious illness covered by your policy.

    Did you find this guide helpful?

    Care to share?

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  • Thank you for your feedback

    Do I Qualify for a Mortgage? Minimum Required Income Prequalify Calculator, what is reverse mortage.#What #is #reverse #mortage


    #

    what is reverse mortage

    If you have finally found your dream home and you haven’t pre-qualified for a loan yet in order to see how much you can afford when it comes to buying your home, you can work backwards instead. By plugging in certain information, such as the cost of the home, how much the interest rate on the loan is likely to be, and how much you will pay as a down payment, you can determine how much your income will need to be to qualify for the mortgage loan on the home you love.

    For example, if the home you are looking at costs $300,000.00 and you plan to put $30,000.00 down on a 30 year loan with a 5.000% interest rate, your total payment on the principal and interest will be $1,449.42. If your annual property taxes are $3,000.00 and your annual insurance is $1,500.00, that will bring your total monthly payment to $1,936.92. With a monthly payment of this amount, your total gross monthly income will need to be at least $6,456.39 in order to qualify for the loan.

    Estimated front and back ratios helps you to limit your housing and necessary living spending.

    Front ratio is a percentage of your gross income that you can spend on all housing related expenses, including property taxes and insurance. Back ratio is a percentage of your gross income that you can spend on your housing expenses plus cost of shelter: food, clothes, gas, etc.

    Front / back ratios with values of 28-33 / 36-42 considered conservative these days, values bigger than 35 / 45 called aggressive and not recommended for use.

    Can You Borrow with Your Current Income?

    Though you may feel that your finances are ready for a new home, the bank may not feel the same way. Mortgage lenders use a complex set of criteria to determine whether you qualify for a home loan and how much you qualify for, including your income, the price of the home, and your other debts.

    The pre-qualification process can provide you with a pretty good idea of how much home lenders think you can afford given your current salary, but you can also come up with some figures on your own by learning the criteria that lenders use to evaluate you.

    What is reverse mortage

    Home Loan Qualification

    Your income is, of course, an important criteria in determining whether or not you can afford the mortgage you want. However, what’s even more important is how much income you make in proportion to how much the home costs and in proportion to how much debt you have.

    Two important numbers that lenders look at when determining how much you can afford are the front-end ratio and back-end ratio.

    The front-end ratio is also called the housing-expense ratio. This looks at how much you make in proportion to how much the mortgage will cost you each month, including extras like private mortgage insurance, homeowners insurance and property taxes. Typically, lenders cap the mortgage at 28 percent of your monthly income.

    To determine your front-end ratio, multiply your annual income by 0.28, then divide that total by 12 for your maximum monthly mortgage payment.

    The back-end ratio is also called the total debt-to-income ratio, which compares your monthly income to your total debts. This includes not only your expected monthly mortgage payment, but also any other debts, such as a car loan, personal loans, student loans, alimony, child support, medical bills and more.

    To determine your back-end ratio, multiply your annual income by 0.36 percent, then divide the total by 12 months. Subtract your monthly debt payments to find out how much you can afford for your monthly mortgage.

    Different lenders have different criteria for their maximum front- and back-end ratios and other factors that consider to determine how much you qualify to borrow. In particular, loan programs from the U.S. Department of Agriculture, Veterans Affairs and the Federal Housing Administration have very stringent criteria, which may also include specific caps on your income, regardless or how low your debt levels are.

    Home Loan Calculators

    Though you will need to meet with a mortgage lender to get a precise understanding of how your financial circumstances affect how much money you can afford to borrow, using the above income qualification calculator can help you get an understanding of what you are likely to be able to afford before you ever start the process of looking for a home or getting pre-qualified for a mortgage.

    Just enter the property value, down payment you plan to make, interest rate you are likely to qualify for, length of the loan you desire, your estimated front and back ratio (using our affordability calculator found here) and your estimated annual taxes, insurance and private mortgage insurance. The calculator includes standard amounts for each item in case you aren’t sure what to enter. Your results will be e-mailed to you within moments, and you will have a clear understanding of what you can expect when you go meet with a mortgage lender.

    Money Saving Tip

    How much money could you save? Lock in low rates today

    Concrete Noun #abstract #noun,abstract #nouns,countable #noun,count #noun,common #noun,proper #noun,part #of #speech,nouns,concrete #noun,noun,concrete #noun, #what #is #a #concrete #noun, #what #is #an #abstract #noun, #noun #quiz,


    #

    Would you like to know the difference between concrete nouns and abstract nouns. Concrete nouns are things that you can experience through your five senses: sight, smell, hearing, taste, and touch. On the other hand, abstract nouns refer to ideas and concepts.

    General Types of Nouns

    Before we look at concrete nouns, let s see what a noun is and review the different types of nouns .

    Two broad categories of nouns would be the common and proper nouns:

    • Proper nouns are capitalized, as they refer to one person, place, thing, or idea in particular. They can be names of people, movies, books, places, months, days, organizations, buildings, etc. Examples are: Jane, Star Wars. Pride and Prejudice. Yellowstone Park, March, Friday, Girl Scouts, and the Statue of Liberty.
    • Common nouns are everything else, like stream, air, boys, whale, and love.

    Two other groups that you can sort nouns into are countable and uncountable:

    • If it can have a number in front of it, it is a countable noun, like cat, mile, jar, house, sack, cup, or moon.
    • Uncountable nouns are sometimes referred to as mass nouns, because they have mass but you can t count them. Some examples are: air, milk, rice, butter, oil, gas, furniture, luggage, happiness, coffee, and money.

    Collective nouns refer to a group of objects. They are like a collection or a unit.

    You can have more than one unit, so they may appear as singular or plural. For example: one family or two families, or one school or two schools.

    Other collective nouns are: faculty, team, troupe, gaggle, herd, swarm, coven, and senate.

    Defining a Concrete Noun

    You experience concrete nouns through your five senses: sight, smell, hearing, taste, and touch. If you cannot see, hear, taste, touch, or smell something, it is not a concrete noun.

    Concrete nouns can be:

    • Common nouns
    • Proper nouns
    • Countable and uncountable nouns
    • Collective nouns

    Concrete nouns can appear in singular or plural forms. Examples are:

    flower, bear, music, Niagara Falls, pie, incense, tornado, ranch, milk, team, Declaration of Independence, lotion, stars, Europeans, water, Big Ben, colony, and car

    Abstract Nouns

    Abstract nouns are like the opposite of concrete nouns. These are nouns that name things you cannot see, smell, taste, hear, or touch. They refer to emotions, ideas, concepts, tenets, beliefs, or your state of being.

    love, hate, bigotry, acceptance, tyranny, democracy, freedom, power, happiness, curiosity, peace, maturity, deceit, trust, integrity, culture, patience, rage, calm, anticipation, education, stupidity, safety, evil, progress, shopping, and virtue

    Quiz on Types of Nouns

    Take this quiz to see it you understand the different types of nouns:


    View Download PDF

    Answers:

    Part A Collective Nouns:

    My family went to the zoo on Monday. We saw a mob of people waiting to see a pride of lions. At noon, a marching band led a parade on the main street. Lunch was unpleasant because there was a swarm of flying insects around us. After that, we saw a tribe of baboons and some crazy monkeys.

    Part B Countable and Uncountable Nouns:

    1. _ U _ The cake needs more sugar.
    2. _ C _ I own 10 cars.
    3. _ C _ Look at all those geese.
    4. _ U _ I see a herd of bison.
    5. _ U _ Did you make the team?

    Part C Concrete and Abstract Nouns:

    1. _ C _ cobbler
    2. _ A _ sadness
    3. _ A _ liberty
    4. _ C _ butter
    5. _ A _ intelligence

    Concrete Noun

    What is a fast car under 5000 dollars? #portland #auto #auction


    #cars under 5000
    #

    Full Answer

    Similar Questions

    What is the difference between leasing a car and buying a car?

    When buying a car, the person owns it outright after fully paying for it, whereas leasing is more like paying to rent the car for a specified period of time, according to Investopedia. Although both can result in a new car, there are numerous benefits and drawbacks to both approaches.

    What is the difference in leasing a car vs. buying a car?

    The primary differences in leasing versus buying a vehicle are the ownership, monthly payment amounts and restrictions on use of the vehicle, explains Consumer Reports. Depending on the lease terms for return of the vehicle at the end of the contract, the length of time a person has the car differs.

    How do I trade my car that I just bought?

    A car owner can trade in a car that was just purchased by taking it to a dealership and inquiring about the vehicle’s trade-in value. If the vehicle to be traded still carries a loan, the loan must still be paid, but the specifics depend on how much is owed.

    How much will junkyards pay for your car?

    What is a Tune up? (with pictures) – mobile wiseGEEK #used #cars #by #owner


    #auto tune up
    #

    wiseGEEK: What is a Tune up?

    A car is essentially a machine, and as such, it requires a certain amount of preventative maintenance in order to continue to perform. A tune up is a regularly scheduled opportunity, usually once a year, to do all of the preventative maintenance that needs to be done. Ensuring that your car gets a tune up regularly will help maintain the performance of your car and extend its life.

    A tune up generally includes replacement of several parts on your car. These parts may seem superficial, but failing to replace them regularly can cause decreased performance in your car, and may even lead to other problems. For example, an air filter should be replaced at least once a year; failing to replace it when it’s dirty will cause your engine to get less and less of the air it needs to run properly. If the problem is left unattended, the air-fuel mixture will continue to run richer and richer —- meaning that there will be too much fuel and not enough air in the mixture —- and eventually cause other parts to fail.

    As you can see, a regular tune up is important to your car’s performance. The process should involve replacing the air filter, replacing or cleaning the spark plugs, and replacing the distributor cap and rotor. It can also include replacement of the spark plug wires, fuel filter. PCV valve. and oxygen sensor.

    Maintenance that is not included in the basic tune up may also be required, so a yearly check up provides a good opportunity to check the car’s systems, such as the brakes and clutch; all fluid and oil levels; and the operation of any other systems that are not used or checked regularly. If the procedure is done in spring or early summer, the air conditioning system should be checked as well, as it likely will not have been used for many months.

    A note on newer cars: most new cars use platinum spark plugs, which do not require frequent replacement. Platinum spark plugs are often claimed to last 60,000 to 100,000 miles (95,561 to 160,934 km), or even more. These spark plugs will not need to be replaced with every tune up. Some newer cars also use an electronic ignition instead of a distributor, and therefore do not need a new distributor cap and rotor. For most cars, it is a good idea to check the owner’s manual or shop manual to see what maintenance is recommended.

    Your Day Is About To Be Wasted By This Classic Car Search Engine #classy #auto


    #car search engine
    #

    ​Your Day Is About To Be Wasted By This Classic Car Search Engine

    If you spend inordinate amounts of time trolling through the interwebs to find that perfect car you’ll never own (hi!), life just got simpler. It’s called Tailpipe. and your HR person will not be pleased.

    Unlike the scads of shoddy, ugly solutions that scan multiple sites for classified ads (looking at you SearchTempest), Tailpipe gets right to what you want, and manages to make it attractive in the process.

    It’s strictly for classics, so if you’re looking for, say, a vintage Range Rover. it scans through Craigslist, eBay Motors, Hemmings, and others to find what you’re after. You can narrow things down by year and price, but location-based searches aren’t baked in yet. However, if you’re regularly searching for one particular unicorn, you can get email updates when a new listing posts. Now if you’ll excuse me.

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    What Is Full Coverage? #plaza #auto #mall


    #full coverage auto insurance
    #

    What Is ‘Full Coverage’?

    People often talk about having their cars “fully insured.” But for those who don’t really know the ins and outs of auto insurance terminology, exactly what does that mean and what type of coverages should they consider?

    While there are many auto insurance options you can choose, there’s really no such thing as “full coverage” for your car.

    The good news is that there are a lot of things you can do to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses. If you are conscientious and want to make sure you have all the types of coverage that are available, here is a list of several of the common auto coverages you may want to consider:

    Liability Coverage

    Liability coverage is typically included in all insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in an auto insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

    As you probably already know, if you’re buying insurance, all states require some level of liability coverage. Find out your state’s auto insurance requirements here.

    Someone who is looking to obtain auto insurance coverage for their vehicle may want to go beyond the state requirements and buy a policy with higher liability limits. This may increase your premiums, but it will also give you greater coverage in the event of an accident.

    What Is The Best Company To Refinance A Car Loan With Bad Credit History Bad credit no money down used car loans 2014. #chilton #auto #repair #manual


    #auto refinance bad credit
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    What Is The Best Company To Refinance A Car Loan With Bad Credit History

    There are many questions people usually ask on refinancing a car loan with bad credit: I want to refinance my car loan but my credit is worse than when I bought it? Can I Refinancing a car Loan with bad credit? I want to refinance my car loan but I have really bad credit any suggestion on where to get a loan? How can I refinance my car loan with very bad credit?

    It is possible to refinance the loan you have taken on your car. It is not necessary that you will be happy with the existing loan you have taken. After obtaining the loan, you may learn that there are better options, and the good news is that by refinancing the car loan you can benefit greatly.

    Look out for companies offering a lower rate of interest:

    Those interested in obtaining a better rate of interest will always be on the look out for finance companies that provide a better rate of interest on the car loans. If you are looking forward towards saving money on the interest you can compare the present rates of interest with the rates provided by other finance companies. You may find that other companies do provide lower rates as compared to the one you already have. Getting lower monthly payments can surely help to save more funds and the worries regarding paying that extra money every month will be lessened.

    For refinancing the auto loan you have to first understand how that loan differs from the loan that you are presently having. Switching over to another auto loan as per carloan.com is not a difficult process. One need not worry much about changing over to another auto loan. Once you switch over to the other loan you will feel glad you thought about the change. When you change over you will find that the new lender pays off for your old loan on the car. The monthly payments will be made through a new car dealer or lender and the title of the loan will required to be transferred to the other name. First of all you need to understand that you have to look out for the best process available to refinance your vehicle.

    Check out for new loan lenders or dealers online:

    Nowadays, a number of websites are available that offer loans that can be refinanced. By doing window shopping you find that there are many possibilities of finding new car dealership to refinance the car loan. Different lenders provide different rates of interest. By comparing the refinancing rates of the cars, it will be much easier for you to select the most appropriate loan. Once you select the desired lender, then you should be in a position to immediately provide all your financial details to the new lender. Qualifying for the refinanced loan is most essential, after which the rest of the transactions will automatically take place.

    Details about your assets, your annual income, the debt load, as well as your credit rating all have to be presented to the lender. Once the loan is approved by the lender then there are a few charges that have to be paid to the lender. Re-registration fees as well as other fees like the holder fees have to be paid to the lender after which the deal is closed by both the parties. Now your existing car loan is replaced by the new loan which requires the title to be transferred in the name of the new lender. Changes in the economic situation of the country can cause depression in the economy which results in less credit at the disposal of the people. But whatever the situation, owning a car is always a dream to be fulfilled at some point or the other in life.

    What Is High Risk Auto Insurance? #auto #financing


    #high risk auto insurance
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    Other People Are Reading

    Temporary Denial

    Some reasons for denying insurance are temporary. If a driver gets several speeding tickets or is involved in an accident, the insurance company may allow the driver to purchase insurance again after a few years. The driver may also be able to take traffic school courses to remove violation points from his license. The amount of time before an auto insurance company no longer considers an old accident when it decides whether to insure a driver varies by insurer.

    Jobs

    An insurer can refuse to insure a driver because of mileage restrictions. If the insurer sets a maximum mileage on its policies, such as 30,000 miles per year, a pizza delivery driver or a taxi driver does not qualify for insurance from the company. High risk auto insurers may write a policy for people who do these jobs at a higher price.

    State Programs

    States establish programs to make sure that a driver who qualifies for a driver’s license can get insurance coverage. States often form partnerships with insurance companies to spread the burden of insuring high risk drivers across all insurance companies in the state. The state may also subsidize these high risk insurance policies. A state program is often limited to residents of the state.

    Family Members

    An insurer can refuse to write a policy because one member of the household is a high risk driver. According to the Ohio Department of Insurance, the insurance company expects members of a household to share their cars with family members. Another family member may have to purchase a policy that excludes coverage for the high risk driver, and the high risk driver can buy a separate high risk auto insurance policy.

    Auto Type

    High risk insurance is necessary for some types of cars. An insurer may not want to take the risk of insuring a luxury car, especially if it is a sports car that can operate at high speeds. An antique car, such as a Model T, may also be very valuable. There are some high risk insurers who specialize in offering coverage for cars that other insurance companies won’t insure. High risk auto insurers can also offer a higher amount of auto insurance coverage than the minimum limits state laws require.

    What is an Auto Technician: Careers and Certifications #auto #financing


    #auto technician
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    IntelliTec Colleges Blog

    What is an Auto Technician. Careers and Certifications

    What is an Auto Technician? Learn about: automotive mechanic careers, auto mechanic certification and auto repair salary

    What is an auto technician. and what is this career like in 2012? Ever changing technology has made automotive mechanic careers a bit more complex than previous decades. Employers highly value automotive technicians that have successfully completed an auto technician training program and look for candidates who hold an additional auto mechanic certification or two, such as ASE or Snap-on.

    If you’ve been thinking about a career as an auto technician or auto mechanic. read on to find out how you can boost your job prospects.

    Train hands-on at an auto mechanic school like IntelliTec College. Receive auto technician training and hands-on experience with state of the art tools, equipment and diagnostic computers and become prepared to begin your professional career as an automotive technician.

    1. Description of Automotive Mechanic Careers
    2. Automotive Repair Career Growth
    3. Auto Mechanic Certification:
      • ASE Certification
      • Snap-on Certification

    1. Description of Automotive Mechanic Careers

    Automotive mechanics and technicians typically tend to the inspection, maintenance, and repair of automobiles. They perform basic services like oil changes and tire rotations, diagnose any problems and take care of any necessary repairs.

    Good reasoning skills, an extensive knowledge of automobiles and strong communication and analytical skills are all qualities that employers tend to look for in a good automotive mechanic .

    2. Auto Repair Career Growth

    Automotive careers can be rewarding personally and financially. Though the outlook for automotive mechanic career growth is not quite as high as some other professions, there is still demand for automotive technicians. With the ASE and Snap-on certifications, competition should be greatly decreased, so someone with those credentials should have no problem finding positions.

    As older automotive technicians start to retire there may be much need for highly trained individuals to take their place.

    3. Auto Mechanic Certification

    Having an auto mechanic certification can make you more desirable to employers. Snap-on certifications and ASE certifications are valuable for an automotive technician to have, and employers love them.

    ASE Certifications

    The Automotive Service Excellence (ASE) certification is the automotive industry standard for automotive technicians. You should choose an auto mechanic school that can prepare you for ASE Certification testing. IntelliTec prepares you to take this exam with its auto technician training program.

    ASE has 40+ exams that an automotive technician can take which are grouped by specialty. These exams focus on real world knowledge of job-related skills. Retesting every 5 years is required to keep your ASE Certification current.

    Two years of experience and a passing grade on one of the above ASE examinations listed below are required for each area of certification. You can substitute a reputable auto technician training program for 1 year of experience.

    • Electrical systems
    • Engine repair
    • Brake systems
    • Suspension and steering
    • Heating and air-conditioning

    Snap-on Certification

    Having a Snap-on Industrial certification allows an automotive technician to successfully use Snap-on diagnostic equipment. Because of the sophistication of today’s vehicles, sophisticated diagnostic tools, such as Snap-on tools, are becoming more and more important to identify and diagnose repair problems.

    IntelliTec College is one of the auto mechanic schools that has chosen to partner up with Snap-on Industrial, a program dedicated to the use of Snap-on tools and diagnostics.

    • IntelliTec instructors are Snap-on certified and are trained to prepare each student to sit for the Snap-on examination.
    • Each student also receives a set of Snap-on tools and a tool chest upon graduation from the program.

    In Summary

    The first step to making a major life changing decision, such as choosing a career as an Automotive Technician. is to become as informed as possible about what that career entails:

    • Competitive salaries
    • Job versatility
    • Lots of room for advancement

    If that sounds like a good career choice for you, take the next step and begin your automotive technician career training today !

    What Is An Average Interest Rate On A Poor Credit Car Loan Bad credit no money down used car loans 2014. #cars #under #5000


    #poor credit auto loans
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    What Is An Average Interest Rate On A Poor Credit Car Loan

    Do you have poor credit? Looking out for a car at some stage or the other in life is a common thing. Even if a person has a poor  credit history, the desire to buy a car cannot stop him from finding different ways of buying it. There are a number of people, even after having a bad credit are still on the look out for a new car.

    They may also not be fully aware of the interest rates or APR that will be required to be paid for the loan that they will avail from the loan company. As regards the rate of interest, they really do not know, exactly what rate of interest will be asked by the car dealers.

    Market conditions affect the rate of interest:

    The average loan rate for cars can be anywhere between 4% to7% for those having a good credit. The rates of interest depend greatly on the source that you are going to use for financing the car. It should be noted that the market conditions also affect the rates of interest on the car loans.

    The rates can vary dramatically, when the borrower has a bad credit. For instance, an average subprime poor credit score of 550 could give you interest up to 14.29% The varying rates of interest on the car loans are to be well understood by the borrower of the car loan. Hence it is a very crucial issue for the borrower to find the right financing company or auto dealer for the auto vehicle.

    A good source like credit.com offers advice that enables the borrower to have a fairly reasonable rate of interest to be paid for the car.

    A car having in-house financing even attracts interest rates of 20% and even up to 28% depending on the place you are staying. I would advice against in house financing and refer instead to credit union for car loans. The maximum interest credit union can charge for a car loan is 18%.

    Some of the establishments that charge such unreasonably high interest rates were actually unregulated in the past, and to regulate them the state laws had to intervene to control such situations, so that things don’t go out of hand.

    There is no such thing as an average interest rate on a car loan:

    Many variables and conditions are responsible for determining the rate of interest on the car loans. Many factors are responsible, when you wish to obtain the lowest rate of interest for your car loan, even when you have a very poor credit. It is the lending source that determines the rate of interest.

    There can be a possibility, where you have to pay a higher rate of interest on car loan with poor credit, than someone else who has a credit history that is excellent. So it is best if you do a thorough research and explore all possibilities before you accept any offer of the interest on the loan.

    Accepting an interest rate of above 12% needs a thorough research from your side. Having to make unnecessary high payments of interest could be the worse thing that you can face. Improving your credit in the future and getting ahead with payments, gets more and more difficult as you keep shelling out huge amounts on the interest.

    Making use of the reputable and legitimate sources available online are very useful in obtaining the lowest interest rates on your car loan. Services offered by the lending companies keeping varying from one another. Some of the lending companies may be more reputable than the others, so it is important for you to be doubly sure before you finally sign the loan contract.

    The TADTS Advantage #is #alchol #a #drug


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    The TADTS Advantage

    MISSION STATEMENT

    The mission of Texas Alcohol and Drug Testing Service, Inc. is to provide a confidential, cost-effective, high quality testing program geared toward everyone from the individual to the large corporation, while striving for integrity in testing. We are the only choice when dependability counts.

    EXPERIENCE: It Makes All The Difference

    Established in 1994, Texas Alcohol and Drug Testing Service (TADTS) is an industry leader in helping companies establish a Drug-Free Workplace.

    That experience includes federally mandated testing for the transportation, marine, aviation, pipeline and oil and gas industries.

    Complying with federal and state rules and regulations related to testing requires a lot of time and effort. Many companies are not equipped to deal with ever-changing federal regulations and state legislation affecting the testing industry. Companies can take advantage of Third Party Administration (TPA) services provided by TADTS. Internal programs offered by a company can be charged with discriminative administration, unfair treatment, and wrongful discharge. Contracting with the experts at TADTS is a simple decision that can protect your business.

    KNOWLEDGE:

    TADTS collectors are certified by the Drug and Alcohol Testing Industry Association (DATIA), and are also certified Breath Alcohol Technicians (BAT). TADTS collectors have received 12 hours of specialized training for specimen collection techniques in compliance with federal testing regulations.

    COVERAGE:

    The TADTS Corporate office is located in Houston, Texas. Five satellite offices are located in Brownsville, Huntsville, Longview, Portland Uvalde, Texas. With a network of qualified collection sites around Texas and the United States, TADTS can assist your needs 24/7.

    Contact TADTS

    Which Vehicle History Report Is Right for You? #bad #credit #auto #loan


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    Which Vehicle History Report Is Right for You?

    1 of 4

    You’re shopping for a used car and you think you’ve hit pay dirt. The car is only five years old, with low miles and a great price. You’re about to make an offer when you have a troubling thought: Is the seller hiding any problems? Was the car ever in an accident? Who owned it before this seller?

    Years ago buyers could only judge a used car by inspecting its mechanical condition and maybe leafing through the owner’s file of service records. But thanks to improved record collection combined with the power of the Internet, the vehicle identification number (VIN) can reveal if a used car has a checkered past. Experts describe the VIN as a car’s DNA.

    Car buyers can purchase vehicle history reports from a number of different companies, some of which even concentrate on specialty markets such as trucks. The National Motor Vehicle Title Information System (NMVTIS) lists a number of the companies that provide its vehicle history reports, some of which cost only a few dollars.

    NMVTIS provides title information drawn from participating state motor vehicle registries. At this point, 88 percent of U.S. DMV data is represented. Run by the federal Department of Justice, the system is the only one that’s publicly available in the U.S. to which all insurance carriers, auto recyclers, junk yards and salvage yards are required under federal law to report on a regular basis.

    However, companies such as AutoCheck. which is owned by Experian, and Carfax. which pioneered the process in 1986 by faxing reports to customers, provide more detailed reports.

    Most vehicle history report companies work in a similar way. A used-car shopper types a VIN into the company’s Web site and immediately receives a report on the vehicle’s history. Most companies sell either a single report for a set fee or, for a higher price, a subscription to run multiple reports for a limited time, which is usually a month.

    A vehicle history report provides information drawn from an ever-expanding variety of databases. Most importantly, the report tells shoppers if a car has a “branded” title. Branding means an insurance company has declared the vehicle a total loss and given it a salvage title because of an accident, flood damage or other catastrophic event.

    Typically, the information on a vehicle history report includes a summary and an overall evaluation of the vehicle supported with details, dates and locations. The report makes it easy to see if the car has been registered in numerous states. Other information can include a description of the vehicle, number of previous owners, accident information, verification of recent mileage (which could include an alert for odometer rollback) and lemon and recall checks.

    Some vehicle history report companies provide additional features or information. For example, AutoCheck provides a vehicle “score” a number and a range like 85 out of a range of 60-90. This shows how the vehicle compares to other similar cars built that year. Carfax reports sometimes have information other vehicle history reports don’t list, such as service department records.

    The mileage verification that a vehicle history report provides is especially important for buyers. Mechanics record the mileage each time there is a smog check, change of registration or other event in the vehicle’s history. If the mileage recordings are not sequential, meaning that they get higher each time, it could mean someone rolled back the odometer.

    Although it’s illegal, a quick trip to a “spinner,” who is someone who turns back odometers, could be worthwhile for an unethical seller. Turning back an odometer 10,000 miles can increase the sale price of a typical car by at least $600. And contrary to popular belief, it’s easier to roll back a digital odometer than it is a mechanical one.

    Test-Driving Vehicle History Reports

    The editors at Edmunds.com have extensive experience using vehicle history reports. That’s because we steadily buy used cars for our long-term test fleet. Additionally, as a test, the editors run vehicle history reports on cars known to have salvage titles to see what comes up. In nearly all cases, vehicle history reports from AutoCheck and Carfax have caught those problems and flagged the pertinent information. (NMVTIS wasn’t fully up and running at the time of our tests.)

    For example, we entered the VIN for a 1998 Corvette, which we knew had a lemon title. Sure enough, the vehicle history reports clearly flagged the problem by stating: “LEMON LAW VEHICLE. Repurchased by manufacturer.”

    In another case, an Edmunds employee’s husband was about to buy a 1995 Acura. He test-drove the car and felt it was in good mechanical condition. However, a vehicle history report showed the car received a salvage title in 1996. When the seller was confronted with this information, he said, “Oh yeah, I thought I told you about that.”

    In yet another case, a vehicle history report for a test car listed an “accident involving left side impact with another motor vehicle.” Apparently the accident was serious enough to report to authorities, but did not result in a salvage title. However, the report would show potential buyers that the car was in an accident. They could then check to see if the owner had properly repaired the damage.

    As our informal tests showed, there are few major title or damage problems that slip through the vehicle history net.

    “Occasionally, we do hear of a false positive on a vehicle history report, but it is rarely a problem,” says John Van Alst, an attorney with the National Consumer Law Center. a nonprofit organization specializing in consumer issues. A false positive is when the report came back clean when, in fact, there was an accident or the omission of other pertinent information. Some vehicle history report services will buy back a car or provide a guarantee in such cases.

    However, there is a time lag between when an event such as an accident occurs and when it is reported, Van Alst says. While going to NMVTIS is an “excellent first step,” Van Alst still recommends car buyers take a vehicle to a mechanic and a body shop for inspection.

    How To Use Vehicle History Reports

    Vehicle history reports alert buyers to hidden problems with used cars for sale and can save them time when they’re shopping, too. Edmunds.com recommends that consumers buy a subscription for one of the services as soon as they start the shopping cycle. Always run the vehicle history report before calling the owner and especially before driving across town to see the car in person. In most cases, online car ads will include the vehicle’s VIN. Sometimes an advertised car will come with free access to its vehicle history report.

    Also, keep in mind that dealers have subscriptions to the large vehicle history report services usually either AutoCheck or Carfax and will run a report for interested buyers. This becomes a valuable source of third-party information. If the dealer refuses to run a vehicle history report, or provides an outdated report, this could be a red flag.

    Finally, keep in mind that a vehicle history report is only one step in the used-car buying process. A mechanical inspection is still a good idea. But running a report is a valuable first step that will save you time and money. And it could protect you from buying a car with a checkered past.

    Seven themes of Catholic Social Teaching #what #is #social #work #major


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    Seven themes of Catholic Social Teaching

    The Church’s social teaching is a rich treasure of wisdom about building a just society and living lives of holiness amidst the challenges of modern society. Modern Catholic social teaching has been articulated through a tradition of papal, conciliar, and episcopal documents. The depth and richness of this tradition can be understood best through a direct reading of these documents. In these brief reflections, we highlight several of the key themes that are at the heart of our Catholic social tradition.

    Life and Dignity of the Human Person

    The Catholic Church proclaims that human life is sacred and that the dignity of the human person is the foundation of a moral vision for society. This belief is the foundation of all the principles of our social teaching. In our society, human life is under direct attack from abortion and euthanasia. The value of human life is being threatened by cloning. embryonic stem cell research. and the use of the death penalty. The intentional targeting of civilians in war or terrorist attacks is always wrong. Catholic teaching also calls on us to work to avoid war. Nations must protect the right to life by finding increasingly effective ways to prevent conflicts and resolve them by peaceful means. We believe that every person is precious, that people are more important than things, and that the measure of every institution is whether it threatens or enhances the life and dignity of the human person.

    Call to Family, Community, and Participation

    The person is not only sacred but also social. How we organize our society — in economics and politics, in law and policy — directly affects human dignity and the capacity of individuals to grow in community. Marriage and the family are the central social institutions that must be supported and strengthened, not undermined. We believe people have a right and a duty to participate in society. seeking together the common good and well-being of all, especially the poor and vulnerable.

    Rights and Responsibilities

    The Catholic tradition teaches that human dignity can be protected and a healthy community can be achieved only if human rights are protected and responsibilities are met. Therefore, every person has a fundamental right to life and a right to those things required for human decency. Corresponding to these rights are duties and responsibilities–to one another, to our families, and to the larger society.

    Option for the Poor and Vulnerable

    A basic moral test is how our most vulnerable members are faring. In a society marred by deepening divisions between rich and poor, our tradition recalls the story of the Last Judgment (Mt 25:31-46) and instructs us to put the needs of the poor and vulnerable first .

    The Dignity of Work and the Rights of Workers

    The economy must serve people. not the other way around. Work is more than a way to make a living; it is a form of continuing participation in Gods creation. If the dignity of work is to be protected, then the basic rights of workers must be respected–the right to productive work, to decent and fair wages, to the organization and joining of unions, to private property, and to economic initiative.

    Solidarity

    We are one human family whatever our national, racial, ethnic, economic, and ideological differences. We are our brothers and sisters keepers, wherever they may be. Loving our neighbor has global dimensions in a shrinking world. At the core of the virtue of solidarity is the pursuit of justice and peace. Pope Paul VI taught that if you want peace, work for justice.1 The Gospel calls us to be peacemakers. Our love for all our sisters and brothers demands that we promote peace in a world surrounded by violence and conflict.

    Care for God’s Creation

    We show our respect for the Creator by our stewardship of creation. Care for the earth is not just an Earth Day slogan, it is a requirement of our faith. We are called to protect people and the planet, living our faith in relationship with all of Gods creation. This environmental challenge has fundamental moral and ethical dimensions that cannot be ignored.

    This summary should only be a starting point for those interested in Catholic social teaching. A full understanding can only be achieved by reading the papal, conciliar, and episcopal documents that make up this rich tradition. For a copy of the complete text of Sharing Catholic Social Teaching: Challenges and Directions (No. 5-281) and other social teaching documents. call 800-235-8722.

    Copyright 2005, United States Conference of Catholic Bishops. Washington, D.C. All rights reserved. No part of this work may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without permission in writing from the copyright holder.

    Text is drawn from Sharing Catholic Social Teaching: Challenges and Directions (Washington, DC: USCCB, 1998) and Faithful Citizenship: A Catholic Call to Political Responsibility (Washington, DC: USCCB, 2003).

    Young Drivers Car Insurance Quotes from #what #is #the #cheapest #car #insurance #for #young #drivers


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    Young Driver Insurance

    LittleBox is freedom to drive

    Admiral LittleBox is aimed at lowering the cost of young drivers’ insurance premiums and allowing them to demonstrate their ability behind the wheel. No more being branded as reckless drivers because of the actions of other youths, LittleBox measures how and when you drive alongside other risk factors to calculate your driving score – giving you the opportunity to be treated as an individual.

    Why choose LittleBox?

    It’s a great way for young drivers to get great discounts on our direct car insurance prices.

    There are no curfews with LittleBox, however regularly driving after 10pm may reduce your driving score.

    As long as LittleBox is active,
    our Theft Tracking service is included as standard.

    For comprehensive policyholders, if your car is under repair at an Admiral approved garage.

    Why is young drivers’ insurance so expensive?

    Young drivers are at a much higher risk of crashing than older drivers. Drivers aged 17-19 only make up 1.5% of UK licence holders, but are involved in 9% of fatal and serious crashes (Source, Brake, 2015). However, LittleBox by Admiral allows motorists to stand out from the statistics and receive the young drivers’ insurance policy they deserve.

    Benefits of Admiral LittleBox

    Obviously the main advantage of LittleBox is helping motorists overcome the high premiums associated with young drivers’ car insurance.

    You don’t pay an additional fee to have LittleBox fitted, and we immediately give you a discount on your young drivers car insurance.

    LittleBox young drivers’ insurance provides a courtesy car while yours is repaired at one of our approved repairers if you take out a comprehensive policy.

    LittleBox also has inclusive Theft Tracking in the event of your vehicle being stolen – so we’re there for both you and your first car.

    Is This the Best Search Engine Ever for New & Used Cars? #auto #check


    #used car search engine
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    Is This the Best Search Engine Ever for New & Used Cars?

    Wise Bread Picks

    The site is one I found quite by accident. I’m not in the market for a used car, I was actually looking for a quote from Bill Shakespeare’s The Tempest and stumbled upon this gem. Ahh, I love the Internet. The site is called AutoTempest.com. It’s only in Beta right now, but the results are awesome!

    In the past, when I was searching for a used car, I would bring up the usual suspects cars.com, kbb.com, edmunds.com. With three windows or tabs open, I would flick between them all looking for the best price, the lowest miles, and the best financing option available.

    That was time-consuming and a hassle. But I never thought any more about it until I started pushing the buttons of this new site. (It’s like Kayak.com but for new and used cars.) As regular Wise Bread readers know, I’m a huge fan of sites and gadgets that save you time and money. Put a check mark next to both of those categories for AutoTempest.com.

    The interface is simple enough. Enter the make and model of the car you’re looking for, along with the location, year, price and mileage. Sure, those are the usual features, but AutoTempest goes a little further.

    With the advanced search, you can add-in transmission, body style, seller type, and even choose to search collector or niche sites.

    After your data is input, you hit search. And then you’re greeted with the results from around seven different auto-buying websites. One includes craigslist, and when you get to that page the results will be further chopped down into areas in your state. You know what they say, location is everything.

    I’d like to point out, as always, that this is not a paid endorsement or even one that was requested. When I find services or products I genuinely like or enjoy, I think Wise Bread readers will as well. And that’s why I’m passing this on to you.

    As the site is in Beta, it’s also a great chance to kick the tires (ouch, no pun intended) and let the maker’s of AutoTempest know what you think of the site. what is working, and what isn’t. Hopefully, it will help them create a more robust option for the official launch.

    So there you have it. If you’re looking for a new motor, try it out. I hope it saves you a bunch of time and money on your next vehicle. I know I’ll be using it to find mine.

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


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    Utah DUI Defense Attorney

    Why Choose David Rosenbloom?

    • I exclusively defend DUI cases throughout Utah.
    • A member of the National College For DUI Defense Attorneys. Experienced, Dedicated and Successful Lawyer.
    • We thoroughly and aggressively investigate cases, from the moment we are hired, to build the best possible defense.
    • NEVER Plead Guilty Without A Competent DUI Attorney Evaluating Your Case First.

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

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

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

    What is the phr certification #what #is #the #phr #certification


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    Certification Overview

    Become Caliper certified and deliver added value to your organization

    Caliper offers clients different levels of certification based on specific business goals, level of expertise, and use of the Caliper Profile . The core certification program is called Foundations, which is designed to provide clients with a detailed understanding of the Caliper Profile . using the Caliper Advisor report as a primary tool. It also offers 13 hours of HRCI credits*. The curriculum includes content on psychometrics, compliance, interview questions, and interpretation of the Caliper Profile behaviors and traits.

    The Master Level of certification, available to clients who have successfully completed the requirements of the Foundations program, is designed for developing a deeper connection between the Caliper Profile and its application in selected talent-management strategies. Those individuals completing the Master program will receive an additional 6.5 hours of HRCI credits toward their re-certification requirements.

    Caliper is recognized by SHRM to offer Professional Development Credits (PDCs) for the SHRM-CPSM or SHRM-SCPSM. This program’s Foundations workshop is valid for 13 PDCs for the SHRM-CPSM or SHRM-SCPSM and the Master workshop is valid for 6.5 PDCs for the SHRM-CPSM or SHRM-SCPSM. For more information about certification or re-certification, please visit www.shrmcertification.org.

    Programs are offered in two settings:

    • Regional events that bring together representatives from different Caliper clients, who will learn together and from each other in a collaborative environment
    • On site at the client location, where activities and case studies can be contextualized to your specific needs

    Regional events and client-specific programs include a series of interactive webinars, Caliper Clips, an on-site 2-day (Foundations) or 3-day (Master) workshop, and consulting time with a Caliper Coach.

    Who is Certification For?

    Caliper Foundations is appropriate for people in our client organizations who are interest in increasing their knowledge about, and more strategically using, the Caliper Profile .

    Caliper Master Level is appropriate for clients who have successfully completed the Foundations program and want to utilize specific Caliper tools and programs in preparation for a series of strategic applications within their company, talent-management topics, and best practices. Master Level training also offers interactive opportunities to practice the connection between the Caliper Profile and each topical area.

    Why become Caliper Certified?

    • You will be your organization’s in-house expert on Caliper Profile interpretation, tools, and reports
    • You will be able to effectively incorporate Caliper Profile results into solutions that encompass the entire talent-management process
    • You will have access to a Caliper coach as well as exclusive continuing-education opportunities
    • You may qualify for continuing-education credits based on educational time as outlined in program agenda

    *The use of the HRCI seal is not an endorsement by the HR Certification Institute of the quality of the activity. It means that this activity has met the HR Certification Institute’s criteria to be pre-approved for re-certification credit.

    Where will Certification be offered?

    Foundations and the Master Level client certification programs are offered in Princeton, New Jersey, and other locations throughout the year. Program dates and locations will become available and announced via our website. Customized, client-specific certification programs are available for groups of 5 or more. Contact Caliper directly for more details about planning a customized certification program for your company.

    When will Certification be offered?

    Check the list of “Upcoming Classes” below for the most up-to-date certification schedule.

    CERTIFICATION FEE

    The certification fee (variable by program selection) includes all material, lunches, and snacks. Travel, lodging, and transportation expenses are the responsibility of the participant.

    CERTIFICATION CANCELLATION FEE

    If you cancel your registration, we will transfer your registration to a future certification program of your choice. Caliper does not offer refunds of certification programs.

    Which online bank is the best #which #online #bank #is #the #best


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    World Bank Open Data

    Global Partnership announces new round of funding for ‘Collaborative Data Innovations for Sustainable Development’

    World Bank Data Team. Jul 18, 2017

  • A New Look at Health, Nutrition Population Data

    H. Kashiwase. Jul 05, 2017

  • New country classifications by income level: 2017-2018

    World Bank Data Team. Jul 01, 2017

  • Q2 2017 Update of World Development Indicators Available

    WHAT YOU CAN LEARN WITH OPEN DATA

    Extreme Poverty

    The proportion of the world’s population living in extreme poverty has dropped significantly

    RECENTLY UPDATED DATASETS

    Country Policy and Institutional Assessment

    IFC Subscriptions and Voting Power of Member Countries

    Quarterly External Debt Statistics SDDS (New)

    Quarterly External Debt Statistics GDDS (New)

    More Resources

    Open Data Catalog

    Provides a listing of available World Bank datasets, including databases, pre-formatted tables, reports, and other resources.

    DataBank

    An analysis and visualisation tool that contains collections of time series data on a variety of topics.

    Microdata Library

    Provides access to data collected through sample surveys of households, business establishments or other facilities.

    World Development Indicators

    The primary World Bank collection of development indicators, compiled from officially-recognized international sources.

    Open Finances

    Explore raw data about the World Bank Group’s finances, including disbursements and management of global funds.

    Projects Operations

    Provides access to basic information on all of the World Bank s lending projects from 1947 to the present.

    Open Data Toolkit

    Provides an understanding of Open Data and how to get “up to speed” in planning and implementing an open data program.

    AidFlows

    Visualizes how much development financing is provided and received around the world, including, financiers, donors, and beneficiaries.

    Global Consumption Database

    A one-stop source of data on household consumption patterns in developing countries.

  • 5 Tips to Keep Your Data Secure on the Cloud #is #cloud #storage #secure


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    5 Tips to Keep Your Data Secure on the Cloud

    The number of personal cloud users increases every year and is not about to slow down. Back in 2012 Gartner predicted the complete shift from offline PC work to mostly on-cloud by 2014. And it’s happening.

    Today, we rarely choose to send a bunch of photos by email, we no longer use USB flash drives to carry docs. The cloud has become a place where everyone meets and exchanges information. Moreover, it has become a place where data is being kept permanently.

    We trust the cloud more and more. Now even our documents from the bank, ID scans and confidential business papers work find their new residence on the cloud. But can you be sure your information is safe and secure out there?

    Actually, for the time being you cannot. Data privacy legislation proceeds in a tempo that is unable to keep up with the speed of technology progress. Just take a look on how countries or regions deal with legal issues concerning data privacy on the cloud.

    You’ll hardly find any universal rules or laws that could be applicable to any user and any cloud service irrespective of geographical boundaries or residence. Today’s legislature in the area of information privacy consists of plenty of declarations, proposals and roadmaps most of which are not legally binding.

    Cloud Security Issues Span the Globe

    Information privacy on the ‘Net presents a problem for law makers all over the world. All legislative process stumbles over several issues. First, there’s transborder data flow. Some countries are successful in regulating privacy issues of the data stored on the servers within the country, but they usually avoid transborder data flow regulation.

    The most popular data storage servers are in the United States, but people who use them come from different countries all over the world, and so does their data. It remains unclear which laws of which country regulate that data privacy while it flows from the sender to the server.

    Another problem is defining who, and under which circumstances, can gain legal permission to access data stored on the cloud. Users believe that their information isconfidential and protected from everyone just because it belongs to them and is their property. But they often forget that the space where they store it (namely the Internet) is not actually theirs and it functions by its own rules (or no rules). Therefore, you may still have to give up your data if one day state authorities ask for it.

    But even if the law happens to be applicable to your situation and is on your side you still don’t want to spend your time and effort later in the court proving how right you are, do you? So with all that legal uncertainty you simply have no choice but to take control and be responsible for your own data.

    Here are five data privacy protection tips to help you tackle the issue of cloud privacy:

    1. Avoid storing sensitive information in the cloud.

    Many recommendations across the ‘Net sound like this: “Don’t keep your information on the cloud.” Fair enough, but it’s the same as if you asked, “How not to get my house burned down?” and the answer would be, “Do not have a house.” The logic is solid, but a better way to translate such advice is, “avoid storing sensitive information on the cloud.” So if you have a choice you should opt for keeping your crucial information away from virtual world or use appropriate solutions.

    2. Read the user agreement to find out how your cloud service storage works.

    If you are not sure what cloud storage to choose or if you have any questions as for how that or another cloud service works you can read the user agreement of the service you are planning to sign up for. There is no doubt it’s hard and boring but you really need to face those text volumes. The document which traditionally suffers from insufficient attention may contain essential information you are looking for.

    3. Be serious about passwords.

    You must have heard this warning a hundred times already, but yet most people do not follow it. Did you know that 90 percent of all passwords can be cracked within seconds. Indeed, a great part of all the sad stories about someone’s account getting broken is caused by an easy-to-create-and-remember password. Moreover, doubling your email password for other services you use (your Facebook account, your cloud storage account) is a real trap as all your login information and forgotten passwords always arrive to your email.

    Here is an efficient method of creating a secure password:

    1. Choose a random word (preferably a long one) — for example, “communication.”
    2. Now let’s say you are signing up for Gmail. What you should do is add a “Gmail” word to the word you have chosen. Thus your password for Gmail will be “communicationGmail.” If you sign up for Skype, your password will be “communicationSkype”, for example.

    Therefore, you need to remember only your “core” word and the structure of your password. To strengthen it even more you can add a certain number before the name of the service, for example your birth date. In that case your password will look like “communication12111975Skype”, etc.

    You can invent any other way of memorizing your passwords, the one that appeals to you. But the main point doesn’t change – such a method is really simple and effective.

    Encryption is, so far, the best way you can protect your data. Generally encryption works as follows: You have a file you want to move to a cloud, you use certain software with which you create a password for that file, you move that password-protected file to the cloud and no one is ever able to see the content of the file not knowing the password.

    The most easy and handy way is to zip files and encrypt them with a password. To that end you can use B1 Free Archiver — a free multiplatform compression tool. When creating the archive check the “Protect with a password” option, type in the password (keeping in mind the no. 3 rule) and only after that you can move it to the cloud. If you want to share it with someone just give the password to that person. Note that B1 Free Archiver zips files only in B1 format which makes the overall protection of your info more reliable.

    The only software that opens B1 files is B1 Free Archiver, therefore you won’t be able to open any B1 archive, even one that isn’t password-protected, without this utility. B1 encrypted archives appear to be more safe and secure than the usual zip files.

    In case you have more time and energy or want to provide an even higher level of protection for your files you can use TrueCrypt encryption software. It’s an open source encryption program with which you can create an encrypted file (the so called “virtual disk”) and keep all of your private files protected with a password.

    TrueCrypt is a bit harder to use than B1 Free Archiver, but it gives you the choice of encryption algorithms (in addition to AES it also offers Serpent, Twofish, etc) some of which deliver a higher level of reliability. But at the same time it also has its drawback as compared to encrypted zip files.

    In TrueCrypt you preset a precise volume of your encrypted file from the very beginning so a lot of space may be wasted before you fill it with data. The size of an encrypted zip file depends only on the data volume contained in it.

    5. Use an encrypted cloud service.

    There are some cloud services that provide local encryption and decryption of your files in addition to storage and backup. It means that the service takes care of both encrypting your files on your own computer and storing them safely on the cloud. Therefore, there is a bigger chance that this time no one — including service providers or server administrators — will have access to your files (the so called “zero-knowledge” privacy). Among such services are Spideroak and Wuala .

    Spideroak provides 2GB space for full featured backup, sync, share, access and storage for free. However, you’ll have to upgrade to Plus Plan for $10/monthly if you need more space. Wuala offers 5GB for free and paid accounts with the price depending on the amount of space you need.

    When choosing the best way of protecting your information keep in mind how valuable that information is to you and to what extent it is reasonable to protect it. Therefore, the first thing you should do is to define the level of privacy you need and thus a level of protection for it. If you do not actively use the Internet to work, even a two-step verification involving SMS with a code sent to your mobile phone may seem cumbersome, though most people who use email for sending business data appreciate this option.

    Not everyone is ready to pay for data to be stored, but if you use cloud storage for keeping corporate data, you’ll find paying for safe and secure data storage reasonable. So try to strike that delicate balance between the required level of protection and the time/effort/money spent on it.

    Institutional Investment Fraud Attorney – Securities Fraud Lawyer – SSEK Partners Group #call #(800) #259-9010, #ssek #partners #group #is #dedicated #to #serving #our #clients #with #a #range #of #legal #services #including #institutional #investment #fraud, #and #securities #fraud #cases.


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    The Partners Group has represented clients nationwide and abroad with claims from $1 million to $200 million.

    Since 1990, our firm has successfully litigated and arbitrated against hundreds of financial firms including most major Wall Street firms.

    Institutional Investment Fraud Attorneys

    The SSEK Partners Group represents institutional and high net worth individuals in securities litigation and arbitration. Our institutional investment fraud attorneys serve our clients individually, including those who opt out of class actions. We seek recovery of losses and other damages caused by fraud, negligence and other improper or illegal actions by financial firms and their representatives in the sale of securities and investment products and management of assets.

    Our securities lawyers have experience representing:

    • Corporations
    • Partnerships
    • Banks and Financial Firms
    • Large Trusts
    • Retirement Plans
    • Municipalities/School Districts
    • Charitable Organizations
    • Private Foundations
    • High Net Worth Individuals

    Although there are many types of institutional investors, there is a commonality among them all. Simply put, by virtue of being an institutional investor, the stakes are high. Not only is the amount of money involved substantial but the losses sustained affects hundreds, if not thousands of individuals.

    The decision to select a law firm to represent your organization is not one that can be taken lightly. Because of the magnitude of the institutional case, the attorneys representing the brokerage firm and its representatives will be the best of the best and extremely experienced. Therefore, much thought and consideration must be given to the selection of a firm which will represent not only your organization but the individual members, as well.

    There are two overwhelming components in the selection process:

    • The firm chosen must have an impeccable reputation and be experienced in the handling of institutional sized cases.
    • The firm must have the resources to fight the long battle ahead until the case can be successfully resolved, through arbitration, mediation or litigation.

    Serve your organization and its members well by contacting our institutional investment fraud lawyers at 1-800-259-9010 for a confidential, no obligation consultation and analysis of your particular situation, along with our recommendations about potential recovery options available to you. Cases are handled on a contingency basis and fees will be deducted from the settlement, if any, based upon an agreed upon percentage of recovery. If no recovery is made, no attorney fee will be owed.

    Shepherd Smith Edwards Kantas LTD, LLP, has a team of attorneys, consultants and staff with more than 100 years of combined experience in the securities industry and in securities law. Since 1990, we have represented thousands of investors nationwide to recover losses. Our securities lawyers have represented clients in Federal and State courts and in arbitration through the Financial Industry Regulatory Authority (FINRA), the New York Stock Exchange Inc. (NYSE), American Arbitration Association (AAA) and in private arbitration actions. Collectively, we have represented over 1,000 investors in the last 20 years in negotiation, mediation, arbitration and litigation.

    Because of the special nature of institutional sized cases, your organization is guaranteed that a partner or a team of partners and institutional investment fraud attorneys will be assigned to the handling of your case, in addition to our experienced paralegals and other staff members. The Partners Group at Shepherd Smith Edwards Kantas LTD, LLP, is the only securities law firm to entrust your organization s case to. Experience matters!

    Auto and Homeowners Insurance: Is AARP Looking Out for You? CBS News #auto #dealer #supplies


    #auto and home insurance
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    Auto and Homeowners Insurance: Is AARP Looking Out for You?

    Last Updated Oct 9, 2009 1:34 PM EDT

    The way insurance companies barrage you with television ads promising to save you money, you might think they were paying you instead of the other way around. In the case of the GEICO googly eyes or actor Dennis Haysbert hawking Allstate policies, at least it’s private companies pitching their wares. But then there are the auto insurance ads touting the $388 saved, on average, by people who switched to plans offered through AARP by The Hartford Financial Services Group. The ads also say that AARP members who own homes might save an additional $148 by switching their homeowners coverage. In this case, the trusted nonprofit is lending its name to a commercial venture. Pay less, get the AARP imprimatur. What’s not to like? Read on to find out.

    As part of our continuing analysis of AARP s financial services products (earlier stories covered AARP mutual funds and AARP life insurance and annuities ), we wondered how well the huge organization was treating its 40 million members with the homeowners and auto policies it sells. So we examined the coverage and compared AARP/The Hartford prices with those of Allstate, State Farm, GEICO, and Progressive in three zip codes to answer the question, Should you put AARP on your policy shopping list?

    Our answer: If you are shopping on price alone, no. You can save money in some cases a lot of money by taking your business elsewhere. But the policies do offer a few appealing features that you might find are more than worth the extra cost. And The Hartford has an impressive customer service record.

    AARP has marketed The Hartford s homeowners and auto policies for 25 years and deserves credit for choosing a quality partner. The Hartford was among the top five insurers in J.D. Power and Associates 2008 homeowners and auto insurance customer service surveys. They have a reputation for working with their customers and trying to solve problems without litigating claims, compared to some of their competitors, says Amy Bach, executive director of United Policyholders. a San Francisco-based organization that advocates for consumers on home and auto insurance. The number of complaints filed against The Hartford, as tracked by the National Association of Insurance Commissioners, is below the industry average and has been declining for the past several years.

    Middling Marks for Prices

    AARP s homeowners and auto policies are often not the least expensive, however, which echoes what we found with its life insurance offerings. There is a cost to having some of the features in the program, acknowledges Richard Hisey, president of AARP Financial, the for-profit arm of AARP. We believe that if you re comparing apples-to-apples features, we will be cost-competitive.

    For our price-shopping survey, we asked AARP/The Hartford, Allstate, State Farm, GEICO, and Progressive for quotes for a 53-year-old AARP member driving a 2008 Nissan Rogue and living in a $250,000 wood-frame house. And since the cost of the same insurance can vary by zip code, we requested quotes in Charlotte, N.C.; Scottsdale, Ariz.; and Schaumburg, Ill. We told the insurers to apply any standard auto discounts available based on his driving record and profile. Since AARP s auto rates were for 12 months and the others were for six months, we divided AARP s figures in half.

    For auto insurance, AARP/The Hartford was the priciest insurer in Scottsdale and Schaumburg and in the middle of the pack in Charlotte. Progressive was the least expensive in Scottsdale, costing a whopping 42 percent less than AARP/The Hartford. GEICO was the cheapest in both Charlotte and Schaumburg, charging 28 percent less and 15 percent less, respectively, than AARP/The Hartford.

    Auto Insurance Six-Month Premium