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

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HOW MUCH DOES MY BMW COST PER MONTH??


HOW MUCH DOES MY BMW COST PER MONTH??, REMMONT.COM

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

#How #much #is #auto #insurance


Car Insurance Cost

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

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

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

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

Factors that Impact Typical Auto Insurance Rates

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

Regional Differences in Car Insurance Estimates

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

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

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

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

    Minimum Auto Liability Insurance by State

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

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

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

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

    Look up the minimum liability requirements for your state.


  • Solar Panels

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    Answers to all your questions about solar panels

    Pros and cons of installing solar panels on your home

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

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

    Solar Calculator

    A solar panel calculator answers the following questions:

    How many solar panels do I need?

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

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

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

    How much power solar panels produce?

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

    There are two leading solar calculators in the US

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

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

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

    Find the ‘best solar company’ for you

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

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

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

    Solar panel kits

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

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

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

    Upload your solar quote to see who will beat it

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

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


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

    #How #much #term #life #insurance


    How Much Does Life Insurance Cost?

    How much term life insurance

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

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

    Let s dig into how much life insurance costs.

    5 Factors that Affect Life Insurance Costs

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

    Whole Life Insurance Cost

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

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

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

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

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

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

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

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

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

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

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

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

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

    Universal Life Insurance Cost

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

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

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

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

    With UL policies, you typically have two coverage options.

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

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

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

    Term Life Insurance Cost

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

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

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

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

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


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


    #bankrate auto loan calculator
    #

    Required Annual Income:

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

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

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

    Helpful Answers are Ready:

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

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

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

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

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

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



    How Much Does it Cost to Paint a Car? #used #honda #civic


    #auto painting prices
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    How Much Does it Cost to Paint a Car?

    The Process

    A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

    Materials

    Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

    Labor

    Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

    Final Prices

    With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

    Saving Money

    Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.



    How Much Money Do Auto Mechanics Make Per Month? #auto #parts #international


    #auto mechanic salary
    #

    Other People Are Reading

    Average Salary

    The average salary for an automotive technician in 2008 was $2,970 per month according to the U.S. Bureau of Labor Statistics. The low-end of the salary range was $9.56 an hour or approximately $1682 per month. The high-end of the salary range was $28.71 an hour or $5053 per month.

    Industries

    Automotive repair has several industries that have a rather wide salary range. For example, many local governments have a mechanic dedicated to their fleet of vehicles. In 2010, according to the U.S. Bureau of Labor Statistics, the average monthly salary for a government mechanic is $3,532 per month. An automotive repair shop pays an average of $2,686 per month. A mechanic can also work in a parts store. The average monthly salary for a person in this position is $2,622.

    Pay Structure

    For many automotive mechanical jobs, the technician is paid based on the labor rate system. Under this system the mechanic receives a portion of the amount charged to the customer for labor. The customer typically has to pay for labor and parts. The shop owner takes a portion of the labor rate and the mechanic receives a portion. The exact ratio is determined by the employer and employee. The amount a mechanic makes is based on the amount of work performed. For example, if the labor rate given to the client is $100 for a task expected to take an hour, the mechanic may make $40 for his share. If the task takes two hours, the additional labor rate may not always be charged to the customer and the mechanic makes an average of $20 an hour. Often, a mechanic will be guaranteed a minimum salary or number of labor hours by his employer.

    Additional Mechanic Opportunities

    Some mechanics specialize in certain areas. For example, some car manufacturers train mechanics specifically for their makes. Another example of a specialized market is a diesel mechanic, although the pay differential may not be much more than a general mechanic. An average monthly salary for a diesel mechanic is $3,333 in 2008.



    How Much Should Your Car Repair Cost? #used #auto #body #parts


    #auto repairs
    #

    How much should your car repair cost?

    More On Cars:

    “auto”

    Two of the most comprehensive websites for car-repair costs are AutoMD and RepairPal, which are both free to use. Launched in 2010, AutoMD is owned by US Auto Parts, an online auto parts retailer. It is staffed of a team of automotive data specialists and certified auto mechanics, using data based on average labor costs by ZIP code, time to repair and real-time pricing data on parts. RepairPal was founded in 2007 by a group of auto enthusiasts and entrepreneurs. It creates its estimates based on real-world data, including actual car-repair invoices, labor rates and parts costs.

    Both AutoMD and RepairPal offer repair cost estimates based on ZIP code for regular maintenance as well as car repairs, with pricing estimates at a dealership or an independent mechanic. AutoMD also adds cost estimates for do-it-yourselfers.

    Testing with sample repairs on each site showed that the estimates were in the same range on both sites. RepairPal’s estimate provides a range for the overall cost as well as breaks down ranges for labor and parts. The AutoMD repair estimate is more comprehensive, also containing the exact time estimate for the car repair as well as the labor rate and parts costs at a dealer and an independent mechanic. As a result, it makes it easier for the consumer to make adjustments if the labor rate at a shop is higher or lower.

    Consumers can easily print out the estimate to show to a mechanic. For those who are in need of a mechanic, both sites provide a comprehensive list of shops based on the ZIP code entered. RepairPal’s list shows the shops on a map and provides shop details such as hours, specialties and reviews. AutoMD’s list takes things a step further, showing how many AutoMD users have requested quotes from the business and the type of quotes, and it shows the number of mechanics. It also specifies whether the shop uses Mitchell or Chilton labor standards and if it installs parts shipped by AutoMD partners.

    While these sites help arm consumers with solid information to help ensure they are not getting taken advantage of, consumers still need to decide between using a dealer or an independent shop and whether it makes sense to save a few dollars by using aftermarket parts instead of original equipment parts.

    Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .



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


    #bankrate auto loan calculator
    #

    Required Annual Income:

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

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

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

    Helpful Answers are Ready:

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

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

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

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

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

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



    How Much Do Braces Cost for Kids? #braces #cost #with #dental #insurance, #how #much #do #braces #cost #for #kids


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    How Much Do Braces Cost for Kids?

    Being a parent is expensive. But you always want the best for your children, and that includes finding ways to afford the orthodontic treatment they need, even though it may be difficult. So how much do braces cost for kids? First, it’s necessary to identify the type of braces for your child and the duration of the treatment. This will help you understand your options in providing the very best care for your investment.

    According to Jorgensen Orthodontics. children are typically fitted for braces not much later than 12 years of age, after they’ve lost all of their baby teeth and their 12-year molars have erupted. Although the American Association of Orthodontics (AAO) recommends that children receive their first orthodontic screening by the age of seven years, braces that are fitted too early can make the treatment take longer than necessary – and cost more.

    If your orthodontist identifies an incorrect bite or potential for crowding during the screening exam, he can sometimes take what is called “interceptive” action to prevent the problem from playing out or getting worse. This can include fitting a palatal expander or other appliance to ensure that the permanent teeth erupt in the right position. The exam might also highlight the need to control habits such as thumb-sucking, which can cause damage to a child’s mouth over time.

    The braces your orthodontist recommends will depend on your child’s particular problem. Types of braces include:

    • Traditional metal braces – Have steel ties holding the wires between the brackets in place.
    • Damon braces – They do not have steel ties, as the brackets themselves hold the wires in place.
    • Invisalign ® (or other clear or removable aligners) – Fit over the child’s teeth in a way that resembles a mouth guard.

    In addition to appliances like an expander, your orthodontist might also recommend the use of headgear or a Forsus or Herbst device to use in conjunction with braces to correct problems affecting your child’s natural bite.

    Variations in Treatment Costs

    Determining how much braces cost for kids depends mainly on the length of time your child will need to wear them. According to the Consumer Guide for Dentistry. the cost of wearing braces ranges between $3,000 and $7,000 – with respect to the type of braces recommended – for the following reasons:

    With traditional braces. the cost is driven by what the orthodontist will charge for the orthodontic treatment for your child’s case which include multiple visits during the time it takes to straighten his teeth over a year to three year period.

    Damon braces are typically more expensive initially and can cost up to $8,000, but because the braces are self-ligating, you’ll pay for fewer dental appointments.

    With Invisalign ®. your child will receive a number of aligners to use in a specific order, changing every couple of weeks. The cost is determined by the number of aligners needed to achieve the right result.

    If your child needs to have teeth extracted or fitted with other appliances, overall cost of the treatment may go up as needed.

    The way your child complies with the orthodontist’s instructions matters as well, because repair and replacement affects the overall cost of treatment. Make sure your young one avoids tooth decay while wearing braces by using products such as Colgate ® 2in1 for kids, an anticavity fluoride toothpaste that comes in fun fruit flavors.

    For patients without insurance, many orthodontists who distribute Invisalign ® offer flexible payment plans with no down payment and low interest rates. If you have insurance, it might cover a portion of the cost, particularly the dental appointments needed. The treatment is usually eligible for flexible savings account (FSA) reimbursement, too.

    If you can handle it without financial aid, however, pay in advance for some or all of the treatment, which typically qualifies you for a discount. It’s not just about asking, “how much do braces cost for kids?” It’s about getting the right orthodontic treatment for your child, and at the right time.

    Related:


    How do you find out the last year you filed taxes, how to find out how much you owe the irs.#How #to #find #out #how #much #you #owe #the #irs


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    How do you find out the last year you filed taxes?

    Would you like to merge this question into it?

    Would you like to make it the primary and merge this question into it?

    How to find out how much you owe the irs

    How to find out how much you owe the irs

    Can you receive a tax refund this year if you filed bankruptcy last year?

    How to find out how much you owe the irs

    Do you need last year’s tax information to file this year?

    How do you file state and federal taxes if you did not file last year?

    How many used e-file to file federal taxes last year?

    How to find out how much you owe the irs

    How many used e-file to file federal taxes electronically last year?

    How do you get last years tax file?

    How to find out how much you owe the irs

    You made 950.00 last year do you have to file taxes in Ohio?

    What is the last date for filing professional tax annual return for the year 2007-08?

    How to find out how much you owe the irs

    Can you file taxes with no last paystub?

    How to find out how much you owe the irs

    How do you file for last years taxes?

    How to find out how much you owe the irs



    How much deposit do you need for a mortgage, how much do i need to get a mortgage.#How #much #do #i #need #to #get #a #mortgage


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    How much deposit do you need for a mortgage?

    By Marie Kemplay

    In this guide

    Put us to the test

    Our Test Labs compare features and prices on a range of products. Try Which? to unlock our reviews. You ll instantly be able to compare our test scores, so you can make sure you don t get stuck with a Don t Buy.

    How much deposit do you need for a mortgage?

    Find out how much you should save for a deposit, and use our calculator to see how long it will take.

    How much do i need to get a mortgage

    The size of your deposit is really important for getting a good mortgage deal, or even getting a mortgage at all.

    More than half of the first-time home buyers in the 2015 Which? national property survey said they put a deposit of more than 10% towards their first property. The survey also revealed that the average first-time buyer deposit is 17%. But how much do you actually need to save?

    Minimum mortgage deposit

    In the current mortgage market you’ll need a deposit of at least 5% of a property’s value to get a mortgage. A lender would then lend you 95% of the property’s value.

    So, if you wanted to buy a £150,000 property, you would need to save up at least £7,500 and borrow £142,500.

    Saving for a deposit can seem like a daunting task. To give you an idea of how much you’ll have to put away each year, we’ve made a calculator that’ll tell you how long it’ll take to gather enough money for a deposit.

    • If you’d like to speak to an expert who will look at your personal circumstances and then assess the entire mortgage market and recommend the best deal for you, callWhich? Mortgage Adviserson0808 252 7987

    Video: how much to save for a mortgage deposit

    In the video below, TV property expert Jonnie Irwin explains how much money you’ll need to save for a mortgage deposit, as well as how much extra you may be able to borrow from your mortgage lender.

    Reasons to save a bigger mortgage deposit

    1. Cheaper mortgage repayments – it might sound obvious, but the bigger your mortgage deposit, the smaller your loan will be. And the smaller your loan is, the cheaper your monthly repayments are.

    2. Less risky – if you own more of your home outright you are less likely to fall into ‘negative equity’, where you owe more on your mortgage than your property is worth. Being in negative equity can make moving house or switching mortgage very difficult.

    3. Better mortgage deals – a larger deposit will make you less risky for mortgage lenders. As a result, they’ll generally offer you more competitive mortgage deals with lower interest rates.

    4. Better mortgage chances – all lenders conduct affordability checks to work out whether you can afford mortgage repayments based on your income and your outgoings. If you only put down a small deposit it’s more likely you will fail these checks because you’ll need to spend more on your mortgage each month.

    Mortgage deposits for the best mortgage deals

    The cheapest mortgage deals on the market will typically require you to have a 40% deposit or more, so on a £150,000 property this would mean a deposit of £60,000.

    However, saving up a 40% deposit is unrealistic for many people. The average (mean) mortgage deposit for first-time buyers is 17%, and that in itself is too difficult for some.

    Don’t worry though – you still have options if you’re struggling to save:

    How much deposit do I need?

    To calculate how much you’ll need to save for your mortgage deposit, there are two things you should consider:

    • Typical property prices in your area – you can get a rough idea of this from property websites, such as Rightmove or Zoopla, but speak to local estate agents to get the most accurate information.
    • How much can you afford in repayments each month? The mortgage repayment calculator on our home-buying hub will help you work this out. You can also find typical mortgage rates using the Which? Money Compare mortgage tables.

    Start by assuming you would borrow 95% of the property’s value. If you can’t afford the repayments for a loan of that size, you will need to save a bigger deposit.

    Buying a house: extra costs

    Although the mortgage deposit is the biggest part of the overall costs that you’ll need to pay to buy a home, there are other things you will need to budget for when saving up, including:

    • Stamp duty: this is a tiered tax that you’ll need to pay on any property costing over £125,000 – you can work out how much you’ll pay using our stamp duty calculator.
    • Mortgage arrangement fees: while these are sometimes waived to entice you in, lenders will often charge anything up to £2,000 to arrange your mortgage.
    • Legal fees: you’ll need to appoint a solicitor to arrange the purchase of your property. Costs vary between firms, and can range from a few hundred pounds to more than £1,000.
    • Property survey: these can range from £100 to more than £1,000.
    • Land registry fees: these can range from £40 to £910, depending on the value of the property.

    Find out more: the cost of buying a house – a more detailed look at what you’ll need to budget for.



    Cost of Car Alarm Installation – Cars and Prices Paid #car #alarm #installation, #car #alarm #installation #cost, #car #alarm #installation #prices, #car #alarm #installation, #car #alarm #installation #costs, #car #alarm #installation #price, #cost #of #car #alarm #installation,how #much #car #alarm #installation #cost, #average #cost #car #alarm #installation


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    Car Alarm Installation Cost

    Many new vehicles come with a basic car alarm built-in, but vehicle owners in high-crime areas may want to upgrade to a more comprehensive security system, while owners of older or entry-level vehicles may want add an alarm system.

    • Expect to pay $30-$300 for a basic car alarm that has a siren attached to the vehicle’s existing wiring system, one or two remote controls and a simple controller/brain; models at the higher end of this price range may have a back-up battery and/or more sensors than the lower-priced alarms, or a few features like a remote start or a starter immobilizer to prevent hot wiring. For example, the Viper 350 Plus 1-Way Security System 3105V [1 ] with a controller, two four-button remotes, a six-tone siren, a starter immobilizer and an operating range of up to 1,500′ costs $240 .
    • Installation of a basic car alarm typically costs another $50-$200 or more, depending on the complexity of the system and the ease of access inside the vehicle’s dash, bringing the total cost to $80-$500. For example, Best Buy charges $150 for the Avital 3100L Security System with Geek Squad Installation [2 ] ; this package includes a 6-tone siren, two 3-button remote controls, keyless entry, a 1,500′ range and a warn-away (initial low-level response) feature.
    • It typically costs $300-$850 or more for an advanced vehicle security system that has a greater number and more varied range of sensors, a sophisticated computer controller, a wider range of effectiveness and options such as a camera or a remote ignition starter, or the capacity to disable the ignition starter or cut off the gas supply if an intruder is detected. For example, the top-of-the-line Viper 5904 Responder HD SuperCode SST 2-Way Vehicle Security and Remote Start System [3 ] with a one-mile range, upgraded user interface, mini-USB charging port and keychain remote costs $800 .
    • Installation of an advanced car security system can cost $100-$450 or more, depending on the complexity, the ease of access for the make and model of vehicle, and labor rates (as a general rule, labor costs more on a luxury, high-end vehicle than on a lower-priced standard sedan). Total costs for having an advanced system professionally installed can be $400-$1,300 or more.

    Related articles: Home Security. Home Security Camera. Security Guard. Radar Detector

    What should be included:

    • A basic car alarm has one or more sensors attached to a siren. Most modern car alarms have a variety of sensors — open/close switches on the hood/trunk/doors, pressure sensors and motion/tilt detectors — plus a distinctive siren, a radio receiver for remote control, an extra battery so the alarm works even if the car does not, and a small computer control unit that is the system’s “brain.”
    • Installing a car alarm requires basic electronics knowledge, the right tools (good crimpers and strippers, a soldering iron, a drill and bits, a voltmeter, etc.), the ability to correctly take apart and reassemble the vehicle’s dash, the patience to exactly follow detailed instructions while in uncomfortable positions in tight spaces, and the proper wiring schematic for the vehicle. An advanced security system requires intensive wiring and must be properly integrated with the vehicle’s entire electrical system.

    Discounts:

    • Do-it-yourself installation to save labor charges is possible, but can be difficult. For determined do-it-yourselfers, Crutchfield has do-it-yourself instructions [4 ] and Motorz TV provides a video overview [5 ] .

    Shopping for car alarm installation:

    • If the goal is to deter break-ins, a basic alarm may be enough. If the objective is to protect items inside the vehicle, it could be better to get a more advanced system designed to monitor all possible points of entry, or one that can be expanded to include additional sensors. An eBay guide explains how to choose a car alarm [6 ] .
    • Car alarm systems are sold and installed by retailers like Best Buy [7 ]. Sears [8 ] or Walmart [9 ] ; or sold by online retailers like Amazon [10 ] .
    • The shop should post all its policies (labor rates, guarantees, payment methods, etc.). Ask if they specialize in this particular type of vehicle, and look for certificates of advanced course work or other training. Check for any complaints with the Better Business Bureau [11 ] .

    Shop: Somewhere in patchogue NY

    I was quoted for this installation. Did not pay it yet. But I feel like its a hell of a lot. I did the math and came up with these prices from caraudiogiants.com
    alarm 189.00
    field disturbance sensor 34.00
    Voice module (warning stand back) 61.00
    Total is 284 without install. That mean labor is almost 500 dollars? He said it’ll take 2 hours. I think its a rip off. I’m willing to pay 600 at most for a perfect installation which means no scratches on any of the interior plastic parts, no wires hanging, etc. I already have a factory alarm which has remote start and gps tracking. It just doesnt go off of you break a window. Only if you open a door. I need to be alerted if anyone goes near my car. Just had 2 center caps stolen the other day.

    Was this post helpful to you? yes no



    Cost of Replacing Copper Pipes – Estimates and Prices Paid #replacing #copper #pipes, #replacing #copper #pipes #cost, #replacing #copper #pipes #prices, #replace #pipes #cost, #copper #pipes #cost, #install #pipes #cost,upgrade #plumbing, #replacing #copper #pipes #costs, #replacing #copper #pipes #price, #cost #of #replacing #copper #pipes,how #much #replacing #copper #pipes #cost, #average #cost #replacing #copper #pipes


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    Replacing Copper Pipes Cost

    Copper pipes have long been considered the best option for residential water supply lines because they resist corrosion, have a long life expectancy (about 40-50 years) and can be bent or curved relatively easily. However, in areas with an acidic water supply copper pipes have developed contamination (bitter-tasting water) and pinhole leaks [1 ]. and must be replaced. Typically the house is re-plumbed with plastic pipes or the water is treated to make it less acidic and then the house is re-plumbed with copper. Usually the new pipes will be installed first, the water supply transferred to the new system and then the old pipes will be drained and abandoned in place.

    • Re-piping a house can cost $1,500-$15,000 or more. Re-piping costs are typically based on the number of fixtures, with each sink, bathtub, shower, toilet, dishwasher, water heater, etc. counting as one fixture. Total costs also depend on the size of the house, if the holes in the walls and ceilings are repaired and repainted or just left open, whether it’s one story or two, and ease of access (basement, crawlspace or slab foundation).
    • Re-piping a house with plastic pipes — either PEX (flexible plastic tubing made of cross-link polyethylene) or PVC-CPVC (rigid plastic pipes made of chlorinated polyvinyl chloride) — typically costs $1,500 -$8,000 or more, depending on the number of fixtures. Re-piping a small 1-bathroom home with plastic pipes might cost $1,500 -$2,500. and a typical 3-bedroom, 2-1/2-bathroom, two-story home might cost $3,000 -$7,000 or more. Although there are some regional differences — PEX tends to be more common in the West and Southwest, CPVC in the East — in many areas one plumber may prefer PEX and another CPVC.
    • If a home has acidic water, a water treatment [2 ] system to restore the correct pH balance (before installing new copper pipes) can cost $600-$2,000. Re-plumbing with copper pipes can cost $2,500-$15,000 or more, depending on the number of fixtures and the ease of access — and prices may vary significantly over time depending on the price of copper [3 ]. For example, Pete Rodriguez of Atlantic Re-Plumbing [4 ] in Virginia says costs for re-plumbing a 2-1/2-bathroom house with 12-13 fixtures would start at about $4,500, and could cost more. At Repipe1 in California, Danny Zilberberg says re-piping a 2-bathroom house would cost more than $5,000 with copper pipes.
    • Most experts do not recommend re-piping a house as a do-it-yourself project because a single error can result in an expensive and damaging leak. However, for DIY replacement of small sections, building supply stores sell 10′ lengths of 1/2″- to 1″-diameter hard copper pipe for about $10-$60 or more.

    Related articles: Replacing a Water Heater. Upgrading an Electrical Panel. PVC or CPVC Pipes. PEX Plumbing Pipes. Replacing Galvanized Pipes. Replacing Polybutylene Pipes

    What should be included:

    • Copper pipes come in two types, rigid or flexible, and three classifications — Type M is thin walled, Type L (for most residential plumbing applications) is medium walled and commercial-grade Type K is thick-walled. Flexible copper tubing is typically used for short projects, like leading up to a water heater or for cold water supply in tight spots. Rigid copper pipe is typically used to distribute the water supply.
    • A contractor will typically inspect the house before submitting a bid. Re-piping a house takes 1-5 working days and can require cutting 8-20 or more holes in the walls and ceilings. Usually the water will be turned back on each evening and the homeowners will be able to stay in the house during the re-plumbing. Copper typically takes longer and/or more workers to install than PEX or CPVC pipes. For example, Repipe1 in California typically schedules one day for any re-plumbing project, but uses a three-member crew to install PEX and a five-member or larger crew for copper pipes.

    Additional costs:

    • A permit from the local planning or building department is typically required. The city of Hercules, CA, posts its re-piping inspection checklist [5 ] describing common code violations in re-plumbing projects. Permit fees vary, but typically cost $70-$400. This may be included in a contractor’s bid or be an additional charge. The contractor may also charge $50-$150 to be present during required inspections by the local building or planning department.

    Shopping for replacing copper pipes:

    • Prices can vary significantly, so get several estimates and ask about re-plumbing experience. Homewownernet.com explains how to hire a plumber [6 ] and ProToolReviews.com lists tips for choosing between CPVC, PEX and copper pipes [7 ] .
    • Ask friends and neighbors for recommendations, or search for local plumbing contractors through the Plumbing-Heating-Cooling Contractors Association [8 ]. Make sure the company is properly bonded, insured and licensed [9 ] ; ask for and check references; and look for complaints with the Better Business Bureau [10 ] .
    • A written contract should include a detailed outline of the work required and materials to be used, whether the company will be doing the work or subcontracting any of the project, and the dates within which the project will be done.

    Number of Stories: 2

    Bought a foreclosured home from the bank, replace all water lines, hot and cold to the entire apartment on both floors. Replace drain lines to bathroom and kitchen main stack install 2 new hot water tanks and tie them in and install new cut off valves on all the sinks. Hook up for the washer in the basement. With a turnaround of 4 to 5 days with all copper and water supplies included
    The water company would not turn the water on because, the line was cut from the water tank, the lines to the kitchen sink, tubs and toilet was cut, they took copper out the walls in the bathroom, The sewer line busted.

    Was this post helpful to you? yes no



    How Much Does It Cost To Paint a Car #nissan #auto


    #auto painting prices
    #

    How Much Does It Cost To Paint a Car

    Whether you just got yourself a second hand car of you have been involved in an auto accident, you may be asking yourself the question how much does it cost to paint a car .

    There are many factors to be considered in determining the costs of painting a car. The most significant considerations include quality of materials, level of labor involved, and size of car.

    To help you figure out how much painting a car costs, consider the following:

    The Car Painting Process

    Depending on the quality of work done, the processes will generally start with the washing of the car. This will remove dust particles, mud, and any other foreign bodies from the surface of the car and make it easier to paint.

    The original paint will then be sanded down and the garage may repair some of the uneven surfaces and scratches.

    After that, the chromes and windows will be covered up or if it is a high end job they may be completely removed.

    Once the preparation for painting the car is completed, the colorless primers will be applied to make the paint last longer. It is then that the application of paint will commence using spray guns. This will be followed by the application of a protective cover which is normally transparent.

    Some of the cheaper places will not follow all these steps and some of the high end specialty shops will do much more.

    Cost of Materials

    There are different materials and equipment used in painting a car. The primary cost to focus on is the cost of car paint, the cost of the primer, and the cost of the clear coatings. These can set you back from about $200 for the cheapest quality to over $5,000 for top shelf products.

    However, the average costs range at between $1,000 and $1,500 for a decent job .

    Different cars require different types of paint and this is also affected by the metallic qualities of the car, type of finish, shades, and patterns.

    Depending on your needs and your budget, you may have to use one of the following most commonly used types of car paint.

    Enamel Paint

    Enamel paints are tougher than lacquer paints because of how they dry into a hard shell though they are not as easy to apply. Many enamel colors tend to require a two-stage process where a clear top coat is applied in addition to the paint.

    Nevertheless, there are some enamel paints that only require a single step. Typical prices for a gallon of enamel auto paints are around $50 .

    Acrylic Lacquer

    Perhaps the cheapest option you will have is the acrylic lacquer auto paints. It is easy to apply though it chips easier.

    You may have to apply regular coats due to the chipping and because they are not chemical resistant. They cost between $30 and $40 per gallon.

    Urethane-Based Paints

    Urethane-based paints have qualities that fall between enamel and acrylic lacquer paints. They are easy to apply and are as strong as enamel paints.

    Nevertheless, urethane-based paints have to be used with three other products for a complete finish. These are a reducer, a catalyst, and the color. They cost between $70 and $90 per gallon.

    Water-Based Paints

    Water-based paints are relatively new in the market though gaining a lot of popularity. They are the most versatile auto paints as they can be used on the existing paintwork, on metal, and on primer.

    However, there are not many color choices yet and they are more expensive at around $120 per gallon .

    Labor Costs

    You can get a garage that charges $300 or less on labor for painting a car.

    However, the paintwork will most likely be sloppy and uneven, and preparation will be nonexistent.

    For a decent job, most mid range garages will charge between $1,500 and $3,000 for labor. The labor costs are also determined by quality of work, level of preparation, the need for body work, and size of car.

    Total Costs

    The total costs for painting a car will be determined by cost of labor and materials. It may range from just a few hundreds to many tens of thousands.

    Low-End Prices

    There are various national chains that offer prices as low as $200 for painting a regular-sized vehicle.

    Typical service involves cleaning the surface of the car to remove dirt and old paint, masking some areas to reduce chances of overspray, and providing a heat-cured finish. They typically offer a one year warranty.

    Mid Range Prices

    Using better materials and more involved preparation and finishing, a mid range car paint may cost anywhere between $1,000 and $5,000 .

    It may also involve interior painting and areas near the engine getting re-colored. Typical warranties range from 2 to 5 years though may be more.

    High End Prices

    High end car paint jobs cost between $4,000 and $10,000 though they may even go up to $80,000 for highly specialized services.

    Paints used in this kind of services sell for even hundreds of dollars for one quart.

    The preparation in these kinds of jobs involves complete removal of windows, mirrors, headlights, and bumpers before sanding begins.

    Buffing and wet-sanding is also done after the paintwork is complete. High end jobs usually come with a lifetime guarantee.

    Do-It-Yourself Costs

    You can significantly cut down the costs of painting your car by doing it yourself. But you should know that the work is involving, may take very long, and will require a substantial investment in equipment.

    For instance, you will need to purchase spray guns which do cost between $200 and $800. Sanding materials will also cost you another $50 to $200 .

    The good thing is that you get to choose your material and so you can decide to reduce your carbon footprint and use more environmental-friendly products.



    Castlefields Health Centre #how #much #does #an #medical #assistant #make


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    Castlefields Health Centre

    News

    We have recently changed our service provider and, if you haven t already, you will now need to register, at a different website in order to continue to order your prescriptions online. The new ordering system will be activated on 1st April 2015.
    For more information, please click on ‘Prescriptions’ at the top of the Home Page.

    Friends and Family Survey – have your say.

    GP Practices have under taken the new NHS Friends and Family Test. This survey enables patients to say whether they would recommend their own GP Practice to their Friends and Family.

    If you would like to complete the survey – click on the link in the ‘Have Your Say’ section on the right hand side of this page. Or, click on the link below to print a copy of the survey to be completed and handed in at Reception when you next visit the Practice.

    Home

    Health Centre

    Castlefields Health Centre s

    Our Practice s goal is:

    To deliver a high quality personalised service provided by a caring team.

    Welcome

    Welcome to the Castlefields Health Centre website where we hope you will find enhanced convenience added to first class healthcare. Find out when we are open and how to see a member of the team. We ve made life a little easier with practice updates, news on the latest health issues and even access to repeat medication all at your fingertips.

    Castlefields Health Centre was the first practice to be built in Runcorn new town. Over the past 47 years, the team has endeavoured to create an efficient but friendly way of providing the highest possible level of health care. We are part of the NHS and the services we provide are free of charge . We moved into our new impressive premises in the Village Square in May 2012. The new modern and larger building has provided some much needed space for more consultation rooms and more treatment rooms, a large meeting room and well- equipped training suite, all of which have enabled a variety of new services to be offered to our patients.

    Your Good Health

    Access to a wide range of healthcare services is a key element of a good local practice. We don t just want to see you when you re ill we want to make sure you stay healthy too. Check out how we can cover both bases with our clinics and services .

    Best practice

    Our professional team will ensure you receive the best attention at all times whether you re attending a specialist clinic or a routine appointment. If you re new to the area registration is easy and comes with the comfort of discretion and confidentiality assured.

    If it is not a medical emergency but you need medical help fast, please call NHS 111. Calls are free including mobiles 24 hours a day.

    This is a new number that has been introduced to help make it easier for you to access local health services.

    You should use the NHS 111 service if:

    • You need medical help fast, but it is not a 999 emergency
    • You think you need to go to A E or Emergency Department or another NHS urgent care service
    • You don’t know who to call for medical help
    • You require health information or reassurance of what to do next
    • NHS is fast and easy way to get the right help wherever you are and whatever time
    • It can help to free up 999 and local A E emergency departments
    • It will get you through to a team of highly trained advisors who are supported by experienced nurses
    • They will assess your symptoms, give you health care advice if you need it or book you an appointment

    We had a review visit form NHS England on the 1st July. They looked at our policies and procedures and talked to us about patient care. They told us that they do not have any concerns relating to the work carried out at Castlefields Health Centre and that some of the great work we are doing can be used as examples of best practice to be adopted elsewhere.

    Big pats on the back all around.

    For events, activities (Indoor and outdoor) and courses for you, your friends and family, visit the wellbeing website for further information. The link is attached below

    CHAPERONES

    IF YOU WOULD LIKE A CHAPERONE PRESENT DURING YOUR CONSULTATION, THEN PLEASE ADVISE THE RECEPTIONIST WHEN BOOKING YOUR APPOINTMENT. THANK YOU

    Opening Times



    Auto Repair Estimates – Know How Much Car Repair Costs #auto #black #book


    #auto calculator
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    Is This a Fair Price. Don’t Wonder. Find Out with AutoMD!

    “How much will it cost me?” Ultimately all trips to the mechanic end with this question. When an automotive service shop tells you a price for the work your vehicle needs, don’t be left wondering if the price is fair. Use AutoMD’s Fair Price feature to find out.

    We use real-time market pricing to make sure you get an accurate figure, which means you’ll KNOW if the price a service shop quoted you is a fair price. So don’t wonder, use AutoMD and find out! Read More

    Thanks to AutoMD’s Fair Price calculator – we call it AutoMD Insta-Quotes! – you can get accurate auto repair estimates for over 200 different automotive maintenance and repair services.

    Across more than 40 states, AutoMD has selected local automotive service shops to be part of our AutoMD Insta-Quotes! program. These service shops agree to be up front about pricing – that’s why you can see detailed parts and labor quotes from each one of them. When AutoMD creates a quote for these shops, we’re using their labor cost, industry standard hours to perform the service, and today’s part prices – using good, quality parts you can trust! For all these “AutoMD IQ! ” shops, we’re putting more information at your fingertips with customer reviews, the shop’s automotive experience, whether they have certified technicians on site, their warranty programs, hours of operation, and more.

    AutoMD is shifting the power to you so you can make informed decisions about which service shop you want to handle your car’s on-going maintenance and repair needs. Read Less

    Who Can I Trust. AutoMD Knows.

    Everyone wants a quality repair shop they can trust. With AutoMD on your side, finding your perfect repair shop is easy. AutoMD has thousands of user reviews to help you find a trustworthy shop. Browse our detailed shop profiles for warranty information, shop amenities, technician certifications, and AutoMD’s 100% Satisfaction Guarantee*. Look for shops with the AutoMD IQ! badge. Read More

    What about Peace of Mind? It’s at your fingertips with AutoMD’s 100% Satisfaction Guarantee*. Use the “Book Online” button for a shop with the AutoMD IQ! badge to request a service appointment at that shop. AutoMD will contact the shop to confirm your appointment and notify you once everything is set. After your appointment, we’ll follow up with you to see how it went. If you’re not satisfied because the service wasn’t performed correctly, we’ll act on your behalf with the shop to make it right – and if they can’t, we’ll pay to have the work done at another shop! We wouldn’t put our money behind just anyone, so use one of the shops with an AutoMD IQ! badge, and be confident because AutoMD is on your side. Read Less



    Cost of a Property Survey – Estimates and Prices Paid #property #survey, #property #survey #cost, #property #survey #prices, #shop #property #survey, #property #survey #costs, #property #survey #price, #cost #of #property #survey,how #much #property #survey #cost, #average #cost #property #survey


    #

    Property Survey Cost

    A property or land survey determines the boundary lines and accurate measurements of a specific parcel, lot or acreage. The process typically involves researching official records and doing field work on the property. A land survey may be required or desired when buying or selling property, building a fence or a house addition, subdividing a property, splitting a lot, or obtaining or refinancing a mortgage. Many local building or fence permits require a boundary survey, and many lending institutions require a current detailed land survey to reveal any problems with boundary lines, easements and encroachments.

    • Many surveyors charge $50-$220 or more an hour, depending on the type of work performed and the qualifications of the person doing the work. For example, Homestead Land Surveying [1 ] in California charges $55 an hour for the services of a junior survey technician, $95 an hour for a senior technician, $135 an hour for the principal land surveyor, $150 an hour for a two-person field crew and $220 an hour for a three-person field crew. GJB Engineering [2 ] in Virginia charges $50 an hour for administrative work, $85 an hour for a surveying draftsman, $100 an hour for a technician, $150 an hour for a professional surveyor and $140 an hour for a two-person surveying crew.
    • Total costs depend on the type and complexity of survey. A developer building new houses might have surveys done of the entire development then sell a copy of a specific parcel survey to the buyer of that lot for $300-$500. A typical residential lot survey might cost $300-$1,000 depending on local rates and the size and type of parcel; placing permanent stone or metal boundary markers may be optional at $100-$300 each. For example, Texas Land Title Surveyors [3 ] estimates a residential land title survey including staking property corners at $350, and a topographic survey for beach front construction at $450. Ramsey Surveying [4 ] in Arkansas estimates a typical lot survey for less than a half acre at $500 in subdivisions newer than 1970 and $750 for subdivisions older than 1950, with boundary surveys on up to 10 acres starting at $750-$850, and 10-20 acre parcels at $1,750 or more.
    • The cost of a land survey is based on several factors, including the parcel size and accessibility (distance to site and difficulty surveying all lines and corners); availability of information and records; existing evidence on the property (markers from previous surveys); time of year and weather conditions; complexity (a property described as part of a one-mile section may legally require surveying the entire section); improvements like houses, garages, fences or pavement; and more. LandSurveyor.us lists factors affecting the cost of a land survey.

    Related articles: Building a Custom Home. Home Addition. Family Room Addition. Fence

    What should be included:

    • Provide as much information as possible, including legal documents or plans for the property, any available details on boundary line and corner locations, and any disputes about these lines or corners. Typically, the final product will be a signed, sealed and certified map of the property surveyed, showing what was surveyed and, depending on the type of survey, information like which corners were found or marked, improvements on the property and any encroachments across the boundaries. Link Field Services in Texas provides an overview.
    • There are many different land surveys. A subdivision survey is needed when subdividing a property and must follow local government regulations. A boundary survey locates the corners, lines and easements for a given parcel. LandSurveyor.us describes types of land surveys and lists common misconceptions and myths.
    • In addition to traditional transit and tape, modern surveyors also use electronic distance and angle measuring equipment, including GPS for greater accuracy and efficiency on some types of surveys. Often a surveyor spends more time researching records than viewing and measuring the property. Link Field Services in Texas gives step-by-step examples of the tasks and manpower needed for an average boundary survey of 20 rural acres and an average residential subdivision lot survey.
    • A land surveyor must be licensed by the state; most states require a four-year degree in surveying or a related science, plus 4-8 years working under the direct supervision of a licensed surveyor.

    Discounts:

    • If a previous survey was done recently and the same surveyor is available, that surveyor might recertify the original survey 25%-50% of the cost of doing a new land survey.

    Shopping for a property survey:

    • Prices vary significantly; get several estimates. The state associations [5 ] of the National Association of Professional Surveyors typically provide referrals.
    • The surveyor should provide a written agreement or contract detailing what will be surveyed, the type of survey, the agreed-upon fee and when the final survey will be delivered.

    Type of Survey: Residential – 1940s

    The cost of the survey really depends upon how old the lot is, what types of land markers are still visible, and what county/cities plans are available they may or may not dispute the lines. We lived in a home that was built in the 1940s and the clerk’s office had varied plans that did not make any sense concerning our boundaries between our two neighbors. We were lucky that we had two boundary marks cites in pervious plans. Basically, the surveyor not only maps your area but there can be a lot of research behind the scenes that also need to be done. That can also take several hours. Remember- you want to pay to have it done right the first time!!

    Was this post helpful to you? yes no



    Top 10 Best Solar Panels for 2016 #how #much #are #solar #panels #in #california


    #

    Top 10 Best Solar Panels 2017 in Odessa

    This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Read More

    Please be advised that the operator of this site accepts advertising compensation from certain companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the scoring that is assigned to them. The scoring that appears on this site is determined by the site operator in its sole discretion, and should NOT be relied upon for accuracy purposes. In fact, Company/product listings on this page DO NOT imply endorsement by the site operator. Except as expressly set forth in our Terms of Use. all representations and warranties regarding the information presented on this page are disclaimed. The information which appears on this site is subject to change at any time.

    This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from certain companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the scoring that is assigned to them. The scoring that appears on this site is determined by the site operator in its sole discretion, and should NOT be relied upon for accuracy purposes. In fact, Company/product listings on this page DO NOT imply endorsement by the site operator. Except as expressly set forth in our Terms of Use. all representations and warranties regarding the information presented on this page are disclaimed. The information which appears on this site is subject to change at any time.

    Solar energy is a sustainable, renewable and cost-effective of providing electricity to your home. But with so many competing companies on the market, how do you know which one best suits your needs. ​

    When it comes to saving money with a more energy-efficient home, solar power really is lighting the way in a renewable energy future. So much so, that more and more homeowners right across the country.

    When it comes to the question of whether to install solar panels on your home, the first thing most will ask is do they actually save you money . The one-word answer to this is undoubtedly, Yes .

    How do Solar Panels work?

    Simply put, a solar panel will turn the sun s light into electricity. While this may sound too good to be true, the solar cells, (also called photovoltaic cells) convert the energy so that it is usable for human consumption. The best solar companies will allow you to store excess energy during the day to use at night or in shadier times, so that you get the best solar efficiency from your panels, even when there is less sun available. The technology is constantly improving, and solar power is becoming an exciting alternative to traditional more limited energy sources for both residential and business use.

    What are Solar Energy Pros and Cons?

    The environmental benefits of solar energy are potentially limitless, and are the main reason why a lot of people make the move to solar power. Renewable, sustainable and abundant, the sun isn t going anywhere any time soon, making it a great alternative to fossil fuels, coal or nuclear power. There is no pollution involved, and it s available globally.

    There are of course financial benefits too. Some of these are incentives offered by the government to encourage people to use solar power, and these can be checked here. Homeowners can also reduce their monthly electricity bills by as much as $100 per month by using solar energy instead of traditional power. Leasing the systems makes the initial cost a lot more reasonable too than an outright purchase. Solar panels are extremely low maintenance, requiring little to no upkeep to run and maintain.

    Many people worry about the expense, and solar panel cost is definitely not to be underestimated. As an intermittent power source, you can t guarantee savings, and they may change from year to year. Look for a solar power company which offers real-time monitoring so you can see how your system is doing. You may also want to make sure that you re happy with the term length. Can the panels be moved with you if you move house? Often the length of term is around 20 years, making it a long term commitment.

    Solar panels are not suitable for about 1/5 of US homes due to lack of space on rooftops. Look into shared or community solar gardens if you still want to benefit from solar energy.

    Ready to look at some solar companies? Try our in-depth comparison chart to see at a glance which companies offer the right solar panel systems for your needs.



    How Much Does It Cost To Paint a Car #auto #finance


    #auto painting prices
    #

    How Much Does It Cost To Paint a Car

    Whether you just got yourself a second hand car of you have been involved in an auto accident, you may be asking yourself the question how much does it cost to paint a car .

    There are many factors to be considered in determining the costs of painting a car. The most significant considerations include quality of materials, level of labor involved, and size of car.

    To help you figure out how much painting a car costs, consider the following:

    The Car Painting Process

    Depending on the quality of work done, the processes will generally start with the washing of the car. This will remove dust particles, mud, and any other foreign bodies from the surface of the car and make it easier to paint.

    The original paint will then be sanded down and the garage may repair some of the uneven surfaces and scratches.

    After that, the chromes and windows will be covered up or if it is a high end job they may be completely removed.

    Once the preparation for painting the car is completed, the colorless primers will be applied to make the paint last longer. It is then that the application of paint will commence using spray guns. This will be followed by the application of a protective cover which is normally transparent.

    Some of the cheaper places will not follow all these steps and some of the high end specialty shops will do much more.

    Cost of Materials

    There are different materials and equipment used in painting a car. The primary cost to focus on is the cost of car paint, the cost of the primer, and the cost of the clear coatings. These can set you back from about $200 for the cheapest quality to over $5,000 for top shelf products.

    However, the average costs range at between $1,000 and $1,500 for a decent job .

    Different cars require different types of paint and this is also affected by the metallic qualities of the car, type of finish, shades, and patterns.

    Depending on your needs and your budget, you may have to use one of the following most commonly used types of car paint.

    Enamel Paint

    Enamel paints are tougher than lacquer paints because of how they dry into a hard shell though they are not as easy to apply. Many enamel colors tend to require a two-stage process where a clear top coat is applied in addition to the paint.

    Nevertheless, there are some enamel paints that only require a single step. Typical prices for a gallon of enamel auto paints are around $50 .

    Acrylic Lacquer

    Perhaps the cheapest option you will have is the acrylic lacquer auto paints. It is easy to apply though it chips easier.

    You may have to apply regular coats due to the chipping and because they are not chemical resistant. They cost between $30 and $40 per gallon.

    Urethane-Based Paints

    Urethane-based paints have qualities that fall between enamel and acrylic lacquer paints. They are easy to apply and are as strong as enamel paints.

    Nevertheless, urethane-based paints have to be used with three other products for a complete finish. These are a reducer, a catalyst, and the color. They cost between $70 and $90 per gallon.

    Water-Based Paints

    Water-based paints are relatively new in the market though gaining a lot of popularity. They are the most versatile auto paints as they can be used on the existing paintwork, on metal, and on primer.

    However, there are not many color choices yet and they are more expensive at around $120 per gallon .

    Labor Costs

    You can get a garage that charges $300 or less on labor for painting a car.

    However, the paintwork will most likely be sloppy and uneven, and preparation will be nonexistent.

    For a decent job, most mid range garages will charge between $1,500 and $3,000 for labor. The labor costs are also determined by quality of work, level of preparation, the need for body work, and size of car.

    Total Costs

    The total costs for painting a car will be determined by cost of labor and materials. It may range from just a few hundreds to many tens of thousands.

    Low-End Prices

    There are various national chains that offer prices as low as $200 for painting a regular-sized vehicle.

    Typical service involves cleaning the surface of the car to remove dirt and old paint, masking some areas to reduce chances of overspray, and providing a heat-cured finish. They typically offer a one year warranty.

    Mid Range Prices

    Using better materials and more involved preparation and finishing, a mid range car paint may cost anywhere between $1,000 and $5,000 .

    It may also involve interior painting and areas near the engine getting re-colored. Typical warranties range from 2 to 5 years though may be more.

    High End Prices

    High end car paint jobs cost between $4,000 and $10,000 though they may even go up to $80,000 for highly specialized services.

    Paints used in this kind of services sell for even hundreds of dollars for one quart.

    The preparation in these kinds of jobs involves complete removal of windows, mirrors, headlights, and bumpers before sanding begins.

    Buffing and wet-sanding is also done after the paintwork is complete. High end jobs usually come with a lifetime guarantee.

    Do-It-Yourself Costs

    You can significantly cut down the costs of painting your car by doing it yourself. But you should know that the work is involving, may take very long, and will require a substantial investment in equipment.

    For instance, you will need to purchase spray guns which do cost between $200 and $800. Sanding materials will also cost you another $50 to $200 .

    The good thing is that you get to choose your material and so you can decide to reduce your carbon footprint and use more environmental-friendly products.



    Billing for Your Consulting Services #how #much #does #jg #wentworth #charge


    #

    Billing for Your Consulting Services

    Consulting For Dummies, 2nd Edition

    How you bill your clients for your consulting work depends on your consulting contract or, in the absence of a written contract, any other agreements you may have made regarding billing and payment. If your contract is set up to pay you as you achieve specific milestones say, completing one-quarter of the project or submitting a draft report of recommendations then you invoice your clients upon completion of each milestone. However, if you work continually and bill your clients for the number of hours that you work plus expenses (photocopying, travel), then you collect the charges and bill them to your client at the end of the agreed-upon billing period, usually the end of each calendar month.

    Here are some tips on maximizing the effectiveness of your billing process:

    • Front-load your billing. If you invoice after reaching milestones, try to load your fees into the front of the project rather than at the end. For example, push for an advance payment to start the project, or simply make your first couple of payments higher than those that are due later in the project. Doing so gives your project a financial head start while minimizing the risk if a client moves into a late-pay status during the course of a project.
    • Bill your clients often. The more often you get paid, the better your cash flows. Although monthly payments are pretty much the standard for consultants who bill hours and expenses, you can agree with your client to bill them more often than that.
    • Invoice immediately. Immediately after you complete a milestone or reach the end of your billing cycle, send an invoice to your client. The sooner you send an invoice, the sooner your clients pay their bills. And the sooner they pay their bills, the better off your practice is financially.
    • Use e-mail whenever possible. Once upon a time, invoices were snail-mailed to clients, taking up to a week to arrive. However, many clients today welcome invoices sent via e-mail, cutting delivery time for an invoice from days to seconds. (It also saves you ink and paper.) Make e-mail invoicing a regular part of your business and encourage your clients to do the same.
    • Offer a discount for prompt payment. To help motivate your clients to pay early (or at least on time), offer a small discount in the range of 0.5 to 1 percent for paying invoices within 10 or 20 days. You ll lose a bit of money when you offer your clients this privilege, but the positive impact on your cash flow usually makes the cost worthwhile.
    • Monitor client payments closely. Keep an eye on the status of your invoices and make sure your clients pay their bills on time. If certain clients don t, call them personally to see what the problem is. If it looks like you re going to have a hard time getting them to pay the amounts they owe you, act quickly to initiate your collection procedures.


    How can I determine how much my car insurance will cost me? Personal Finance – Money Stack Exchange #how #much #is #my #car #insurance


    #

    I’m 25 and I’ve been rear-ended once when I was 16 or 17. I’ve never been in any other accidents or had any speeding tickets. I am currently on my mothers insurance and driving her car. I will be getting my own car and paying for my own insurance within the next 2 months. How can I determine how much my insurance will cost me? I’m still deciding on vehicles and I want to make sure I don’t forget to think about the cost of insurance when choosing a vehicle.

    What tips do you have for my situation?

    asked Aug 31 ’10 at 15:20

    I’d recommend getting online quotes from several insurance companies. During the process of getting a quote, you will be asked for the year/make/model of your car. You can put in one of the cars you were thinking about buying and get a quote. Then start over and try with a different type of car. This should show you how the insurance will compare between different cars.

    I’ve done this in the past when I was trying to make a decision on a car purchase. It takes a while, but seemed worth it to me.

    Basically yes, but I d call a local insurance agent rather than getting on-line quotes. I put in a form for on-line quotes for medical insurance about 4 years ago, and I still get calls and emails from every insurance company in the world. If you can get an on-line quote without giving them your phone number and/or email address, great. But once you give those out, you will be harassed by salesmen for years to come. Jay Feb 6 ’15 at 21:27

    Accidents and tickets more than 3 years old generally won’t affect you.

    I use an insurance broker who shops a bunch of different companies and buys me the best policy. (He gets a cut as a middle-man, but saves me more than going direct and gives great advice when I have a question.)

    Since you haven’t been only your own policy lately, it will cost you more than someone with a 3 year history with a perfect record, but if you shop around, you will find something at a fair price.

    Also, your credit score often factors into the price you pay for car insurance also.

    The best way to determine how much it will cost you is to call the insurance companies to get a quote from them for all the vehicles that you are planning on purchasing. They will have a set amount depending on the year/make/model of the car combined with all your personal details like where you live, age, sex, occupation. There are many online sites where you an get quotes as well, though talking with a rep may be the better option since you have a lot of questions.

    If you are still living with your parents, you may be able to get a cheaper rate with that company as you might qualify for a multi-vehicle discount or combined property/vehicle insurance with them. You might also be able to get a better rate since you were probably insured as a secondary driver with that company for several years.

    The cost of your auto insurance will depend also on what type of premium you choose. For instance, it will be cheaper if you opt to only purchase 3rd party liability insurance (which only covers the cost of repairing the 3rd party’s vehicle – ie the person you hit). You may also get discounts for having certain (optional) safety equipment/options – like snow tires.

    You will need to have your insurance purchased and sorted out before you are able to drive your car out of the dealership.

    For a male with

    10 years driving experience and a clean record. You could probably find something good for about $120 a month. Of course, this depends on the many factors listed above.

    answered Aug 31 ’10 at 19:19

    Your Answer

    2017 Stack Exchange, Inc



    How Much Does A Kia Sorento 6 Cyclider Cost #how #much #for #a #kia #sorento


    #

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    How Much Does A Kia Sorento 6 Cyclider Cost

    How much does a Kia Sorento 6 cylinder cost, you ask? Well, you ll have to determine which one you want before you can answer that question. Kia first introduced the Sorento in 2003. The Kia Sorento 6 Cylinder kicked off its second generation in 2009, offering more options and a new body style. For 2011 models, prices are up, alloy wheels are standard and the Sorento stands strong; hailing from Korea with one of the most competitive warranties in it s class.

    1. Determine what year model Kia Sorento 6 cylinder you want. Choose between the years 2003 and present, as the Kia Sorento 6 cylinder was available in all years up to present. Research different models online, using popular sites like Edmunds or Yahoo. Take advantage of the appraisal options offered on the research sites to get a better idea of pricing.
    2. Research the classifieds and dealers in your area to get an idea of pricing for the Kia Sorento 6 cylinder without having to step foot into a dealer. Use your local newspaper, internet classifieds or any other site that shows detailed listings and pricing.
    3. Go to Kia s website t o check out the newest model. Click on the Sorento and build the vehicle to figure your pricing with different options. Go to the deals and rebates section to see what kind of money the manufacturer might give you to purchase a brand-new Kia Sorento 6 cylinder.
    4. Walk around Kia dealer lots i f you really want to get a feel for pricing. Check out new and used models in person. Be careful, though; even if you only to to look, you might just walk into the right salesperson and end up with a new car!

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    How much are kirkland car batteries at costco? – Kgb Answers #car #dealers


    #auto battery prices
    #

    How much are kirkland car batteries at costco?

    kgb answers Home Garden Automotive How much are kirkland car batteries at costco?

    Costco had switched from Kirkland signature brand batteries to Interstate car batteries.

    While we found no official online information on the said brand of car batteries, anecdotal reports say that an Interstate battery costs $77.10 on average, plus an additional $15.00 core fee which can be refunded upon the return of your old battery.

    For product and more detailed pricing information, you may contact Costco Costumer Service at 1-800-774-2678, or visit your nearest Costco using their Warehouse Location tool.

    Find more useful contacts here .

    Interstate Batteries is one of America’s No. 1 replacement-brand batteries.

    See a list of all Interstate Battery Centers here or search for your nearest dealer here .

    Alternatively, you can also try some of the best car batteries for your vehicle, according to CarsDirect :

    The average car battery lasts somewhere between two and five years, but there are ways to extend its lifespan. Check out some tips to help you get the most out of your car battery at Foxnews.com .

    Amazing news! JUMPR by Juno Power is a pocket-sized backup battery for tablets and smartphones with a powerful secret: it’s strong enough to jump start your car. In fact, that’s what it was designed to do – it even comes with a special jumper cable attachment. Get more scoop at Komando.com .



    How Much Does it Cost to Paint a Car? #auto #paint #shop


    #auto painting prices
    #

    How Much Does it Cost to Paint a Car?

    The Process

    A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

    Materials

    Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

    Labor

    Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

    Final Prices

    With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

    Saving Money

    Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.



    Refinance Calculator: know how much you can save through refinancing #used #ford


    #refinance auto loan calculator
    #

    Refinance Calculator

    User Rating. ( 37 votes, average: 4.05 out of 5 )

    Should I Refinance Now? Our mortgage refinance calculator tells if you’ll save money, lower your payments save on interest fees. Simply enter information like principal loan balance, and current payment and interest rates to find out if refinancing is the right thing to do now.

    This mortgage refinancing calculator tool compares your existing mortgage against terms of a new loan. To make the most of this calculator, you should have actual mortgage quotes to compare against. You can request up to four free quotes through our free matching service to see what refinance rates are available to you in order to find the best refinance rates.

    * Do not include any escrow contributions, prepaid interest, prepaid taxes, insurance (other than title insurance), or other “prepaids” as closing costs.

    How to use the Refinance calculator

    When using a refinance calculator, you’ll be asked to enter the following information for your current mortgage loan:

    • The original loan amount
    • Interest rate (APR)
    • Total length (repayment term): mortgage loans usually have repayment terms of 15 or 30 years.
    • Time remaining : If you have a 30 year loan, and have made payments for five years, the time remaining would be 25 years
    • Remaining principle on current loan: This is your present mortgage balance. Your monthly mortgage statement should show this information.

    Now you’ll enter the refinancing terms you’re considering:

    • Amount refinanced: This is the amount you want to borrow for your new mortgage.
    • Interest rate of new mortgage: Enter the interest rate for the new mortgage
    • Term length : Enter how long you’ll have to repay the new loan. (Typically 15 or 30 years for mortgage refinancing loans).
    • Cash out amount, if any: Enter any additional cash you’re taking out, for debt consolidation / payoff, home improvement, vacations, medical expenses or whatever.
    • Closing costs, discount points, down payment amount: The refinance calculator displays an estimated amount of closing costs, not including discount points, on the next screen. You can use this estimate if you don’t know the amount of closing costs.

    Use the drop-down window to select the appropriate option for paying closing costs:

    • Paid by cash or check: You’re contributing funds to cover closing costs
    • Rolled into the loan: Your refinanced mortgage amount will include closing costs.
    • Paid by Lender: Your mortgage lender pays the closing costs (but you’ll pay a slightly higher interest rate).

    After clicking the “calculate” button, the first section of the next screen displays a comparison of your current and proposed mortgage amounts, interest rates, and if applicable, any cash out amount and closing costs for the new mortgage.

    The next section compares the interest you’ll pay for the full term of your existing loan and for the new loan.

    The third section of the screen shows your current monthly payment compared to the estimated monthly payment after refinancing. Finally, the calculator indicates the net estimated savings after payment of closing costs (if applicable.) This is the “bottom line” figure that can help you decide whether or not to refinance. You can use the refinance and comparison calculators for reviewing multiple refinancing options.

    Once you’ve tested different rates and figures, try comparing the lowest rates offered by mortgage refinancing lenders. There results are tailored to you, and there’s no obligation for seeing if you qualify for a refinancing rate lower than your current rate. With lenders competing to offer you their lowest rates, you could end up saving thousands over the course of your loan!

    13 Responses to “Refinance Calculator”

      Lauren 12, Aug, 2012

    Staying with your current lender eases the refi process, and may be best if their rate is comparable to the other lenders. If you do have money to invest in closing costs, and are willing to pay for a lower rate, use the refinance calculator to determine how many months it will take before you recoup your closing costs in monthly savings and make sure there is little chance of you selling the home before that time. We wish you well in your search. One of two things will happen, you’ll either find a way to save yourself some money by refinancing now, or you’ll find yourself better prepared to take advantage of the next refinance opportunity that comes your way. Either way you win. Too many people just resign themselves to their current loan and aren’t so proactive at exploring opportunities for improving their situation. Calculators4Mortgages applauds you for being such a proactive manager of your financial affairs.

    Reply MASH 09, Sep, 2011

    I have a april 2004 manufactured home and need refinance my current 15yr mortgage at 4.75%. I am more than 6yrs into biweekly payment and the left over amount is lower than the current value of the house. I was offered a lower rate 15yrs loan but it doesn’t save me anything and extend the period of loan till 2026 which I don’t want. The calculator doesn’t help on biweekly payents started sometime in the middle of last 6yrs. I was also offered no closing cost.Can anybody help me out with this problem. I would like to save money if I refinance. Lower payment but need to have some saving too.

    Reply Cris 24, Feb, 2010

    We part way through both a 1st and a 2ndwith different $ amounts and time remaining. Do you have a calculator that can help us figure out if we should refi both into a new loan.

    Reply Refinance 10, Feb, 2010

    Interesting.

    Reply Jonathon 08, Jan, 2010

    Works great

    Reply ld 13, May, 2009

    cool

    Reply Linda 20, Mar, 2009



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


    #bankrate auto loan calculator
    #

    Required Annual Income:

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

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

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

    Helpful Answers are Ready:

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

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

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

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

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

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



    How Much Money Do Auto Mechanics Make Per Month? #private #party #auto #loans


    #auto mechanic salary
    #

    Other People Are Reading

    Average Salary

    The average salary for an automotive technician in 2008 was $2,970 per month according to the U.S. Bureau of Labor Statistics. The low-end of the salary range was $9.56 an hour or approximately $1682 per month. The high-end of the salary range was $28.71 an hour or $5053 per month.

    Industries

    Automotive repair has several industries that have a rather wide salary range. For example, many local governments have a mechanic dedicated to their fleet of vehicles. In 2010, according to the U.S. Bureau of Labor Statistics, the average monthly salary for a government mechanic is $3,532 per month. An automotive repair shop pays an average of $2,686 per month. A mechanic can also work in a parts store. The average monthly salary for a person in this position is $2,622.

    Pay Structure

    For many automotive mechanical jobs, the technician is paid based on the labor rate system. Under this system the mechanic receives a portion of the amount charged to the customer for labor. The customer typically has to pay for labor and parts. The shop owner takes a portion of the labor rate and the mechanic receives a portion. The exact ratio is determined by the employer and employee. The amount a mechanic makes is based on the amount of work performed. For example, if the labor rate given to the client is $100 for a task expected to take an hour, the mechanic may make $40 for his share. If the task takes two hours, the additional labor rate may not always be charged to the customer and the mechanic makes an average of $20 an hour. Often, a mechanic will be guaranteed a minimum salary or number of labor hours by his employer.

    Additional Mechanic Opportunities

    Some mechanics specialize in certain areas. For example, some car manufacturers train mechanics specifically for their makes. Another example of a specialized market is a diesel mechanic, although the pay differential may not be much more than a general mechanic. An average monthly salary for a diesel mechanic is $3,333 in 2008.



    How Much Does it Cost to Paint a Car? #used #auto #loans


    #auto painting prices
    #

    How Much Does it Cost to Paint a Car?

    The Process

    A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

    Materials

    Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

    Labor

    Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

    Final Prices

    With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

    Saving Money

    Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.



    How Much Should Your Car Repair Cost? #suzuki #auto


    #auto repairs
    #

    How much should your car repair cost?

    More On Cars:

    “auto”

    Two of the most comprehensive websites for car-repair costs are AutoMD and RepairPal, which are both free to use. Launched in 2010, AutoMD is owned by US Auto Parts, an online auto parts retailer. It is staffed of a team of automotive data specialists and certified auto mechanics, using data based on average labor costs by ZIP code, time to repair and real-time pricing data on parts. RepairPal was founded in 2007 by a group of auto enthusiasts and entrepreneurs. It creates its estimates based on real-world data, including actual car-repair invoices, labor rates and parts costs.

    Both AutoMD and RepairPal offer repair cost estimates based on ZIP code for regular maintenance as well as car repairs, with pricing estimates at a dealership or an independent mechanic. AutoMD also adds cost estimates for do-it-yourselfers.

    Testing with sample repairs on each site showed that the estimates were in the same range on both sites. RepairPal’s estimate provides a range for the overall cost as well as breaks down ranges for labor and parts. The AutoMD repair estimate is more comprehensive, also containing the exact time estimate for the car repair as well as the labor rate and parts costs at a dealer and an independent mechanic. As a result, it makes it easier for the consumer to make adjustments if the labor rate at a shop is higher or lower.

    Consumers can easily print out the estimate to show to a mechanic. For those who are in need of a mechanic, both sites provide a comprehensive list of shops based on the ZIP code entered. RepairPal’s list shows the shops on a map and provides shop details such as hours, specialties and reviews. AutoMD’s list takes things a step further, showing how many AutoMD users have requested quotes from the business and the type of quotes, and it shows the number of mechanics. It also specifies whether the shop uses Mitchell or Chilton labor standards and if it installs parts shipped by AutoMD partners.

    While these sites help arm consumers with solid information to help ensure they are not getting taken advantage of, consumers still need to decide between using a dealer or an independent shop and whether it makes sense to save a few dollars by using aftermarket parts instead of original equipment parts.

    Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .



    How Much Money Do Auto Mechanics Make Per Month? #used #car #listings


    #auto mechanic salary
    #

    Other People Are Reading

    Average Salary

    The average salary for an automotive technician in 2008 was $2,970 per month according to the U.S. Bureau of Labor Statistics. The low-end of the salary range was $9.56 an hour or approximately $1682 per month. The high-end of the salary range was $28.71 an hour or $5053 per month.

    Industries

    Automotive repair has several industries that have a rather wide salary range. For example, many local governments have a mechanic dedicated to their fleet of vehicles. In 2010, according to the U.S. Bureau of Labor Statistics, the average monthly salary for a government mechanic is $3,532 per month. An automotive repair shop pays an average of $2,686 per month. A mechanic can also work in a parts store. The average monthly salary for a person in this position is $2,622.

    Pay Structure

    For many automotive mechanical jobs, the technician is paid based on the labor rate system. Under this system the mechanic receives a portion of the amount charged to the customer for labor. The customer typically has to pay for labor and parts. The shop owner takes a portion of the labor rate and the mechanic receives a portion. The exact ratio is determined by the employer and employee. The amount a mechanic makes is based on the amount of work performed. For example, if the labor rate given to the client is $100 for a task expected to take an hour, the mechanic may make $40 for his share. If the task takes two hours, the additional labor rate may not always be charged to the customer and the mechanic makes an average of $20 an hour. Often, a mechanic will be guaranteed a minimum salary or number of labor hours by his employer.

    Additional Mechanic Opportunities

    Some mechanics specialize in certain areas. For example, some car manufacturers train mechanics specifically for their makes. Another example of a specialized market is a diesel mechanic, although the pay differential may not be much more than a general mechanic. An average monthly salary for a diesel mechanic is $3,333 in 2008.



    How Much Does It Cost to Paint a Car? #used #car #website


    #auto painting prices
    #

    How Much Does It Cost to Paint a Car?

    Geoff Kuehn has frequent requests to paint cars whose paint has faded in the Arizona desert, where the sun is bright and warm most of the year.

    “Cars may last forever, but paint may only last five years [in Arizona-like weather],” says Kuehn, owner of Affordable Auto Painting in Tucson, Arizona.

    Kuehn estimates that nine out of 10 people that walk into his shop for a paint job do so because of fading. Although fading isn’t as big of a problem in less extreme climates, there are several other reasons car owners might contemplate changing their vehicle’s color.

    One reason may be because they’re selling the vehicle and investing in a paint job will yield top dollar. Another common reason is for aesthetic reasons, such as preventing rust or adding personal flair to the vehicle.

    “Some are the results of an accident or an uh-oh moment,” says Mike Frost, owner of Maaco Collision Repair Auto Painting in Laurel. Maryland. “Some are restoring older and classic automobiles and others just want a fresh coat of paint to turn the car they drive back into the car they love.”

    The cost to paint a car

    Kuehn says the average price he charges to completely paint a car is between $600 and $1,000, which he says is below the national average. He says most full paint jobs cost around $2,000. Kuehn says car painting is cheaper at his shop, in part, because it’s a competitive business in southern Arizona, where the sun damages car paint  quicker.

    Kuehn says prices vary depending on the paint color and the vehicle’s size.

    Frost says his company offers four types of paint jobs. Prices vary greatly, depending on the one you choose.

    • A basic paint job includes a single-stage enamel paint used to refresh the vehicle’s appearance. It comes with a one-year warranty and gives the vehicle a nice gloss with an accurate color match, Frost says.

    • A preferred paint job is a single-stage application using urethane paint. It’s more resistant than enamel finishes and comes with a three-year warranty, Frost says.

    • A premium paint job is a two-stage application that includes a glossy finish, color match and urethane sealer. It comes with a five-year warranty.

    • A platinum paint job includes light chip and scratch repair, priming and block sanding all areas, and a urethane sealer. It also comes with a five-year warranty.

    Frost says his prices start at $299 for a basic job, and up to $3,000 for a premium show-car-quality finish, which includes a full wet sand and buff. He adds the base coat clearcoat offerings, which are part of the premium and platinum packages the company offers, start at about $1,200.

    “Prices are affected by location, body work needed, if base coats and clear coats are selected and more,” Frost says. “All Maaco paint jobs are equal in quality, but there are two things that vary between the various types of paint jobs we offer: longevity of paint and appearance of paint and whether it’s gloss, color match or metallic.”

    The price of the complete paint job also depends on the color used. For example, a gallon of white paint may cost $100, while red may cost $250, Kuehn says.

    “We‘ve [had] small spot paint requests on cars, ranging from small scratches and dents to bumpers, hoods and side view mirrors,” Frost says. “We can’t give an average price for these spot jobs because the prices vary so much based on the specific needs of the repair.”

    According to Cost Helper. the cost for a single-coat synthetic enamel paint job ranges from $300 to $900, with an average of $566. A mid-level paint job with a higher-quality paint and additional prep work like removing rust and dents can range from $1,000 to $3,500 with an average of $1,316. Meanwhile, drivers reported spending between $2,400 and $7,500 for a high-quality paint job, with an average price of about $5,000.

    For smaller jobs, such a bumper-to-bumper racing stripe, Kuehn says he charges between $150 and $200.

    Things to consider before having your car painted

    Ron Meister, owner of Shaker Quality Auto Body in Cleveland, says consumers should educate themselves before having their car painted. Meister’s company offers paint repair but not whole-car painting.

    Meister says paint repair prices vary drastically depending on several factors, such as whether the repair is to a fender, door and paint.

    “People have unrealistic expectations of what the final product will be,” Meister says. “New paint makes trim flaws stand out even more. Paint alone will not correct flaws in the body. In fact, a shiny new coat of paint makes them stand out even more.”

    Meister recommends getting in writing what a paint shop will do for surface preparation. He adds that it’s important to ask if there’s a warranty, whether the company paints doorjambs, fender edges and under the hood, as well as apply a protective clearcoat finish.

    “Last, but not least, does it make economic sense to paint the car versus trading in the car?” he says.

    Kuehn, meanwhile, recommends asking for references and looking at cars shops have painted.

    “I see many cars that were at other shops for months or years with [the drivers’] deposits spent,” Kuehn says. “And the cars are in pieces, and the shop has closed or changed owners.”

    Full vinyl car wraps have grown in popularity in recent years as an alternative to painting. Wraps can cost $1,500 or more.



    How Much Does it Cost to Paint a Car On Average? #used #car #dealer


    #auto painting prices
    #

    The Price of Getting a New Paint Job for Your Car

    The price of a car is such a loaded question. There are the different variables that go into what the price of a new car painting cost. This can best be answered by watching the video below. However, if you’re not one to like to watch videos, please read below and you’ll find out all the variables as well as what it will typically cost.

    The Short Answer: The price will range anywhere from $500 $10,000 for a full paint job. It all depends on what quality of shop that you use.

    The Factors

    Where You Get the Paint Job

    There really can be three different types of shops that you can go to. There’s going to be your highest quality shop which is going to do the best job. Your medium quality shop just going to do a pretty mediocre job. And of course you’re very low-end shop.

    Trim Removal

    The higher-quality shots are going to remove all the trim well the mediocre ones well remove a couple of them. On the low-end they’re just going to put tape over them. So you can see this is probably the biggest thing that factors the actual price.

    How Much Paint

    Another price factor is that it depends on how much you want painted. Is it a full paint job or is it just a scratch that you need to get painted over.

    Type of Paint

    The higher-quality shops are of course going to use the highest quality paint. While the ones that are on the lower end are going to use lower end paint products. He things greatly influenced things like durability and the appearance. For example, if you are using the higher and paint products then you’re going to get a lot more to get a Westlaw water. If you’re someone who goes to lower and shop then it’s not going to last year as longing that paint is going to chip easier.

    Furthermore, if you go to a lower in place then you’ll probably get something that doesn’t look near as good as one that is from the high-end shop. The reason being is that at the higher and shop you’re paying a premium for being able to appear for high attention to detail well at the lower end shop they’re just not in a care near as much because they can’t spend enough time on it too do that great of a job.

    State You Live In

    Depending upon where you live greatly influence the cost. If you living somewhere like California New York with a cost-of-living is generally more expensive, you can end up paying more than you pay in a state like New Mexico or something like that.

    Painting a car is much more expensive then you would typically estimate. Especially if you want something that is going to be a high quality job. I highly recommend going with something in the middle range or the higher-end range because too many people Will buy their paint job with the low end shop and then have the paint job get completely messed up within the next year because it does not last near as long.



    How Much Should Your Car Repair Cost? #auto #painting


    #auto repairs
    #

    How much should your car repair cost?

    More On Cars:

    “auto”

    Two of the most comprehensive websites for car-repair costs are AutoMD and RepairPal, which are both free to use. Launched in 2010, AutoMD is owned by US Auto Parts, an online auto parts retailer. It is staffed of a team of automotive data specialists and certified auto mechanics, using data based on average labor costs by ZIP code, time to repair and real-time pricing data on parts. RepairPal was founded in 2007 by a group of auto enthusiasts and entrepreneurs. It creates its estimates based on real-world data, including actual car-repair invoices, labor rates and parts costs.

    Both AutoMD and RepairPal offer repair cost estimates based on ZIP code for regular maintenance as well as car repairs, with pricing estimates at a dealership or an independent mechanic. AutoMD also adds cost estimates for do-it-yourselfers.

    Testing with sample repairs on each site showed that the estimates were in the same range on both sites. RepairPal’s estimate provides a range for the overall cost as well as breaks down ranges for labor and parts. The AutoMD repair estimate is more comprehensive, also containing the exact time estimate for the car repair as well as the labor rate and parts costs at a dealer and an independent mechanic. As a result, it makes it easier for the consumer to make adjustments if the labor rate at a shop is higher or lower.

    Consumers can easily print out the estimate to show to a mechanic. For those who are in need of a mechanic, both sites provide a comprehensive list of shops based on the ZIP code entered. RepairPal’s list shows the shops on a map and provides shop details such as hours, specialties and reviews. AutoMD’s list takes things a step further, showing how many AutoMD users have requested quotes from the business and the type of quotes, and it shows the number of mechanics. It also specifies whether the shop uses Mitchell or Chilton labor standards and if it installs parts shipped by AutoMD partners.

    While these sites help arm consumers with solid information to help ensure they are not getting taken advantage of, consumers still need to decide between using a dealer or an independent shop and whether it makes sense to save a few dollars by using aftermarket parts instead of original equipment parts.

    Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .



    How much does a car wrap cost? #insurance #quotes #auto


    #auto wrapping
    #

    How much does a car wrap cost?

    And for that matter, what would it cost to do a custom vinyl wrap for my truck, my trailer, my golf cart.

    As with many situations in life, the correct answer is “it depends.” If you’re looking for car and vehicle wraps in the Nashville TN area. read on! For advertising wraps, we’re also happy to work with those of you outside our Nashville area.

    Obviously, there is a big difference in designing and installing a wrap for a golf cart as compared with a custom trailer wrap, but the basic building blocks of a quote are the same.

    We take several things into account when figuring up the cost of a vehicle wrap.

    • how large is the total area to be wrapped?
    • what are the surface conditions that the wrap material will be applied to? are there rivets, screws, corrugations, seams, etc. that will require additional attention and labor?
    • how complex is the geometry to be wrapped? (a flat surface is a much different application than the spoiler and bumper of a car)
    • how long is the wrap intended to stay on the vehicle?
    • are there windows involved that need to be covered with perforated window film in order to complete the graphic layout in the wrap design?
    • what are the design requirements. is the wrap primarily a solid color with some cut vinyl accents, or is there significant information and/or imagery that needs to be carefully planned around and incorporated into the custom wrap design? is the client bringing artwork to use in the wrap design, or are we starting “from scratch”?
    • does the client bring us donuts. )

    Because vehicle wrap design is such a critical part of the whole process, we start with design as a separate activity. Based on the final wrap concept, we can then finalize the costs of a particular wrap.

    Including the design activity, it’s typical to see the fabrication and installation of full vehicle wraps for cars and vans be priced between $2,700 – $3,200 depending upon the factors listed above.

    Sometimes a full wrap isn’t necessary to accomplish what you’re trying to do with vehicle advertising, and partial vehicle wraps can be a great option to consider. Partial wraps can still be extremely effective from a visual and marketing perspective – we’ll help you work within your budget!

    A Quick Word on Solid Color Wraps / Color Change Wraps

    It’s important to note as well that solid color wraps (such as the popular matte black wrap) generally require more labor and attention to finishing details than do full color vehicle wraps. With full color wrap graphics, the vehicle’s original paint color often blends in visually in locations such as door seams where the wrap doesn’t cover the paint.

    However, this isn’t always the case for solid color wraps, where the vehicle’s original paint can really stick out like a sore thumb if all the visible regions haven’t been fully covered. As such, we generally remove quite a bit of body hardware in order to make sure that solid color vehicle wraps thoroughly cover all the nooks and crannies. The additional labor associated with this level of detail increases the cost of this type of a color change vehicle wrap relative to a standard advertising car wrap.

    GENERAL COSTS SUMMARY (for most cars, vans, trucks)

    • Wrap design. $250 (partial wrap) -$350 (full wrap), including up to 2 revisions
    • Partial wraps. typically $1,200 – $2,000 after design is complete
    • Full wraps. typically $2,200 – $2,700 after design is complete
    • Color change full wraps. typically $3,600 – $4,500 depending upon the vehicle size, original color, the new color, and body complexity

    Ready to get specific about your wrap project? Please note the following:

    • We are happy to consult with you regarding advertising wraps for vehicles outside of our Nashville area. We will coordinate the wrap installations with an installer in your local area. Please click on the “request a wrap quote” button below for more info.
    • Color change wraps are something we do not outsource for out-of-area installations. but if driving to Nashville is something you’d consider, please click on the button below so that we can start the conversation!

    Effective mobile advertising can also be accomplished with partial wraps as well as with combinations of full color decals and cut vinyl lettering. So, if a full wrap budget isn’t within reach right now, don’t despair! We’ll help you create a wrap design and vehicle graphics that fit your budget. Car wrap advertising is one of the most effective means of advertising currently available!



    How much are kirkland car batteries at costco? – Kgb Answers #prestige #auto #traders


    #auto battery prices
    #

    How much are kirkland car batteries at costco?

    kgb answers Home Garden Automotive How much are kirkland car batteries at costco?

    Costco had switched from Kirkland signature brand batteries to Interstate car batteries.

    While we found no official online information on the said brand of car batteries, anecdotal reports say that an Interstate battery costs $77.10 on average, plus an additional $15.00 core fee which can be refunded upon the return of your old battery.

    For product and more detailed pricing information, you may contact Costco Costumer Service at 1-800-774-2678, or visit your nearest Costco using their Warehouse Location tool.

    Find more useful contacts here .

    Interstate Batteries is one of America’s No. 1 replacement-brand batteries.

    See a list of all Interstate Battery Centers here or search for your nearest dealer here .

    Alternatively, you can also try some of the best car batteries for your vehicle, according to CarsDirect :

    The average car battery lasts somewhere between two and five years, but there are ways to extend its lifespan. Check out some tips to help you get the most out of your car battery at Foxnews.com .

    Amazing news! JUMPR by Juno Power is a pocket-sized backup battery for tablets and smartphones with a powerful secret: it’s strong enough to jump start your car. In fact, that’s what it was designed to do – it even comes with a special jumper cable attachment. Get more scoop at Komando.com .



    How Much Does it Cost to Paint a Car? #auto #shopper


    #auto painting prices
    #

    How Much Does it Cost to Paint a Car?

    The Process

    A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

    Materials

    Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

    Labor

    Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

    Final Prices

    With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

    Saving Money

    Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.



    How Much Money Do Auto Mechanics Make Per Month? #auto #lift


    #auto mechanic salary
    #

    Other People Are Reading

    Average Salary

    The average salary for an automotive technician in 2008 was $2,970 per month according to the U.S. Bureau of Labor Statistics. The low-end of the salary range was $9.56 an hour or approximately $1682 per month. The high-end of the salary range was $28.71 an hour or $5053 per month.

    Industries

    Automotive repair has several industries that have a rather wide salary range. For example, many local governments have a mechanic dedicated to their fleet of vehicles. In 2010, according to the U.S. Bureau of Labor Statistics, the average monthly salary for a government mechanic is $3,532 per month. An automotive repair shop pays an average of $2,686 per month. A mechanic can also work in a parts store. The average monthly salary for a person in this position is $2,622.

    Pay Structure

    For many automotive mechanical jobs, the technician is paid based on the labor rate system. Under this system the mechanic receives a portion of the amount charged to the customer for labor. The customer typically has to pay for labor and parts. The shop owner takes a portion of the labor rate and the mechanic receives a portion. The exact ratio is determined by the employer and employee. The amount a mechanic makes is based on the amount of work performed. For example, if the labor rate given to the client is $100 for a task expected to take an hour, the mechanic may make $40 for his share. If the task takes two hours, the additional labor rate may not always be charged to the customer and the mechanic makes an average of $20 an hour. Often, a mechanic will be guaranteed a minimum salary or number of labor hours by his employer.

    Additional Mechanic Opportunities

    Some mechanics specialize in certain areas. For example, some car manufacturers train mechanics specifically for their makes. Another example of a specialized market is a diesel mechanic, although the pay differential may not be much more than a general mechanic. An average monthly salary for a diesel mechanic is $3,333 in 2008.



    How Much Should Your Car Repair Cost? #auto #loan #refinancing


    #auto repairs
    #

    How much should your car repair cost?

    More On Cars:

    “auto”

    Two of the most comprehensive websites for car-repair costs are AutoMD and RepairPal, which are both free to use. Launched in 2010, AutoMD is owned by US Auto Parts, an online auto parts retailer. It is staffed of a team of automotive data specialists and certified auto mechanics, using data based on average labor costs by ZIP code, time to repair and real-time pricing data on parts. RepairPal was founded in 2007 by a group of auto enthusiasts and entrepreneurs. It creates its estimates based on real-world data, including actual car-repair invoices, labor rates and parts costs.

    Both AutoMD and RepairPal offer repair cost estimates based on ZIP code for regular maintenance as well as car repairs, with pricing estimates at a dealership or an independent mechanic. AutoMD also adds cost estimates for do-it-yourselfers.

    Testing with sample repairs on each site showed that the estimates were in the same range on both sites. RepairPal’s estimate provides a range for the overall cost as well as breaks down ranges for labor and parts. The AutoMD repair estimate is more comprehensive, also containing the exact time estimate for the car repair as well as the labor rate and parts costs at a dealer and an independent mechanic. As a result, it makes it easier for the consumer to make adjustments if the labor rate at a shop is higher or lower.

    Consumers can easily print out the estimate to show to a mechanic. For those who are in need of a mechanic, both sites provide a comprehensive list of shops based on the ZIP code entered. RepairPal’s list shows the shops on a map and provides shop details such as hours, specialties and reviews. AutoMD’s list takes things a step further, showing how many AutoMD users have requested quotes from the business and the type of quotes, and it shows the number of mechanics. It also specifies whether the shop uses Mitchell or Chilton labor standards and if it installs parts shipped by AutoMD partners.

    While these sites help arm consumers with solid information to help ensure they are not getting taken advantage of, consumers still need to decide between using a dealer or an independent shop and whether it makes sense to save a few dollars by using aftermarket parts instead of original equipment parts.

    Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .



    How Much Does it Cost to Paint a Car?


    #auto painting prices
    #

    How Much Does it Cost to Paint a Car?

    The Process

    A good paint job for a car requires extensive preparation, pricey materials and specialized skills. For this reason, the first factor in the price of painting a car will be the quality of work and the amount of time a garage puts into the job. First, the vehicle will be washed, the original paints will be sanded down and the chrome and windows will be covered. After the preparation has been completed, a thick primer is applied to smooth the body panels and provide some material for final sanding and smoothing. Next comes one or more layers of colored paint, often topped by a clear coat that adds some protection and depth of shine. Sometimes the clear coat is tinted with pigment, or contains additives for various finishes. Different paint shops may treat each stage differently. Some may run through preparation quickly, while others will take the time to do detailed work. The quality of work depends on what a consumer is willing to pay for the job.

    Materials

    Besides the cost of labor, several materials are included in the cost of painting a car. Someone who decides to paint his own car should expect to purchase some specialized tools such as a spray gun and covers for windows and chrome. Those who go to a garage will still be paying for primer, paint and the clear coatings. Because several layers of each paint are required, a full complement of decent materials can fall in the range of $1,000 to $1,500. But like everything else, these prices can change dramatically based upon quality. Top-of-the-line paints that change colors, or contain metallic, pearlescent or iridescent additives can cost more than $5,000, while the most basic varieties can be found for only a few hundred dollars. Some colors, especially reds, can also cost more. Vehicle size is an obvious if often overlooked consideration, because it takes three times as much paint to cover a Hummer as a Geo Metro.

    Labor

    Labor costs vary greatly in different areas. While quick paint jobs can be found for under $500, preparation is usually nonexistent and the application of paint tends to be uneven and sloppy. Most garages will complete the entire process from preparation to finish for $2,000 to $3,000 in labor. The cost of labor will also rise and fall with the size of a vehicle, largely because of the preparation process. Many garages include minor body work such as the removal of scratches and small dents during a paint job, but the best will take the time to sculpt a vehicle’s panels into dead-straight canvases for the thin paint to lie on. Often, it’s this preparation that makes the difference between a bargain re-spray and a stunning showpiece. Upper-end labor costs can reach $50,000 or more, but these prices tend to be reserved for vehicles that require lots of body preparation, or get specialized paint jobs like fades, two-tones, stripes or pinstriping, or candy colors that require very experienced painters.

    Final Prices

    With the combination of labor and materials, a typical decent paint job will be in the range of $3,000 to $4,500. It’s also worth bearing in mind that changing the color of a vehicle’s paint from stock can add 25 percent or more to the price, because the painters have to paint under the hood, inside the door jambs, under the trunk lid, and anywhere else the factory paint will show. The labor costs alone for a full color change can add up quickly, as all of these difficult-to-reach areas must be stripped, sanded, masked and primed like any other.

    Saving Money

    Certainly, you can save a lot of money spraying the vehicle yourself — but that isn’t usually practical given the buy-in cost of tools and materials, and the expertise required to lay down a good paint job. The reality is that very few first paint jobs end up as cheap as expected, or look like anything you’d want your friends to see; so it’s probably best to leave the spraying itself to professionals. But that doesn’t mean you’re stuck paying full shop prices. Prep work is something most moderately adept people can do at home, and the materials to do it are generally cheap and readily available. Putting in some elbow grease beforehand, and showing up at the paint shop with your car on a trailer, already smoothed, sanded and masked can easily cut thousands off the price of the total job. And you should get your car back in a few days, instead of a few weeks or even months.



    How much are kirkland car batteries at costco? – Kgb Answers


    #auto battery prices
    #

    How much are kirkland car batteries at costco?

    kgb answers Home Garden Automotive How much are kirkland car batteries at costco?

    Costco had switched from Kirkland signature brand batteries to Interstate car batteries.

    While we found no official online information on the said brand of car batteries, anecdotal reports say that an Interstate battery costs $77.10 on average, plus an additional $15.00 core fee which can be refunded upon the return of your old battery.

    For product and more detailed pricing information, you may contact Costco Costumer Service at 1-800-774-2678, or visit your nearest Costco using their Warehouse Location tool.

    Find more useful contacts here .

    Interstate Batteries is one of America’s No. 1 replacement-brand batteries.

    See a list of all Interstate Battery Centers here or search for your nearest dealer here .

    Alternatively, you can also try some of the best car batteries for your vehicle, according to CarsDirect :

    The average car battery lasts somewhere between two and five years, but there are ways to extend its lifespan. Check out some tips to help you get the most out of your car battery at Foxnews.com .

    Amazing news! JUMPR by Juno Power is a pocket-sized backup battery for tablets and smartphones with a powerful secret: it’s strong enough to jump start your car. In fact, that’s what it was designed to do – it even comes with a special jumper cable attachment. Get more scoop at Komando.com .



    How Much Does It Cost To Paint a Car


    #auto painting prices
    #

    How Much Does It Cost To Paint a Car

    Whether you just got yourself a second hand car of you have been involved in an auto accident, you may be asking yourself the question how much does it cost to paint a car .

    There are many factors to be considered in determining the costs of painting a car. The most significant considerations include quality of materials, level of labor involved, and size of car.

    To help you figure out how much painting a car costs, consider the following:

    The Car Painting Process

    Depending on the quality of work done, the processes will generally start with the washing of the car. This will remove dust particles, mud, and any other foreign bodies from the surface of the car and make it easier to paint.

    The original paint will then be sanded down and the garage may repair some of the uneven surfaces and scratches.

    After that, the chromes and windows will be covered up or if it is a high end job they may be completely removed.

    Once the preparation for painting the car is completed, the colorless primers will be applied to make the paint last longer. It is then that the application of paint will commence using spray guns. This will be followed by the application of a protective cover which is normally transparent.

    Some of the cheaper places will not follow all these steps and some of the high end specialty shops will do much more.

    Cost of Materials

    There are different materials and equipment used in painting a car. The primary cost to focus on is the cost of car paint, the cost of the primer, and the cost of the clear coatings. These can set you back from about $200 for the cheapest quality to over $5,000 for top shelf products.

    However, the average costs range at between $1,000 and $1,500 for a decent job .

    Different cars require different types of paint and this is also affected by the metallic qualities of the car, type of finish, shades, and patterns.

    Depending on your needs and your budget, you may have to use one of the following most commonly used types of car paint.

    Enamel Paint

    Enamel paints are tougher than lacquer paints because of how they dry into a hard shell though they are not as easy to apply. Many enamel colors tend to require a two-stage process where a clear top coat is applied in addition to the paint.

    Nevertheless, there are some enamel paints that only require a single step. Typical prices for a gallon of enamel auto paints are around $50 .

    Acrylic Lacquer

    Perhaps the cheapest option you will have is the acrylic lacquer auto paints. It is easy to apply though it chips easier.

    You may have to apply regular coats due to the chipping and because they are not chemical resistant. They cost between $30 and $40 per gallon.

    Urethane-Based Paints

    Urethane-based paints have qualities that fall between enamel and acrylic lacquer paints. They are easy to apply and are as strong as enamel paints.

    Nevertheless, urethane-based paints have to be used with three other products for a complete finish. These are a reducer, a catalyst, and the color. They cost between $70 and $90 per gallon.

    Water-Based Paints

    Water-based paints are relatively new in the market though gaining a lot of popularity. They are the most versatile auto paints as they can be used on the existing paintwork, on metal, and on primer.

    However, there are not many color choices yet and they are more expensive at around $120 per gallon .

    Labor Costs

    You can get a garage that charges $300 or less on labor for painting a car.

    However, the paintwork will most likely be sloppy and uneven, and preparation will be nonexistent.

    For a decent job, most mid range garages will charge between $1,500 and $3,000 for labor. The labor costs are also determined by quality of work, level of preparation, the need for body work, and size of car.

    Total Costs

    The total costs for painting a car will be determined by cost of labor and materials. It may range from just a few hundreds to many tens of thousands.

    Low-End Prices

    There are various national chains that offer prices as low as $200 for painting a regular-sized vehicle.

    Typical service involves cleaning the surface of the car to remove dirt and old paint, masking some areas to reduce chances of overspray, and providing a heat-cured finish. They typically offer a one year warranty.

    Mid Range Prices

    Using better materials and more involved preparation and finishing, a mid range car paint may cost anywhere between $1,000 and $5,000 .

    It may also involve interior painting and areas near the engine getting re-colored. Typical warranties range from 2 to 5 years though may be more.

    High End Prices

    High end car paint jobs cost between $4,000 and $10,000 though they may even go up to $80,000 for highly specialized services.

    Paints used in this kind of services sell for even hundreds of dollars for one quart.

    The preparation in these kinds of jobs involves complete removal of windows, mirrors, headlights, and bumpers before sanding begins.

    Buffing and wet-sanding is also done after the paintwork is complete. High end jobs usually come with a lifetime guarantee.

    Do-It-Yourself Costs

    You can significantly cut down the costs of painting your car by doing it yourself. But you should know that the work is involving, may take very long, and will require a substantial investment in equipment.

    For instance, you will need to purchase spray guns which do cost between $200 and $800. Sanding materials will also cost you another $50 to $200 .

    The good thing is that you get to choose your material and so you can decide to reduce your carbon footprint and use more environmental-friendly products.



    Refinance Calculator: know how much you can save through refinancing


    #refinance auto loan calculator
    #

    Refinance Calculator

    User Rating. ( 37 votes, average: 4.05 out of 5 )

    Should I Refinance Now? Our mortgage refinance calculator tells if you’ll save money, lower your payments save on interest fees. Simply enter information like principal loan balance, and current payment and interest rates to find out if refinancing is the right thing to do now.

    This mortgage refinancing calculator tool compares your existing mortgage against terms of a new loan. To make the most of this calculator, you should have actual mortgage quotes to compare against. You can request up to four free quotes through our free matching service to see what refinance rates are available to you in order to find the best refinance rates.

    * Do not include any escrow contributions, prepaid interest, prepaid taxes, insurance (other than title insurance), or other “prepaids” as closing costs.

    How to use the Refinance calculator

    When using a refinance calculator, you’ll be asked to enter the following information for your current mortgage loan:

    • The original loan amount
    • Interest rate (APR)
    • Total length (repayment term): mortgage loans usually have repayment terms of 15 or 30 years.
    • Time remaining : If you have a 30 year loan, and have made payments for five years, the time remaining would be 25 years
    • Remaining principle on current loan: This is your present mortgage balance. Your monthly mortgage statement should show this information.

    Now you’ll enter the refinancing terms you’re considering:

    • Amount refinanced: This is the amount you want to borrow for your new mortgage.
    • Interest rate of new mortgage: Enter the interest rate for the new mortgage
    • Term length : Enter how long you’ll have to repay the new loan. (Typically 15 or 30 years for mortgage refinancing loans).
    • Cash out amount, if any: Enter any additional cash you’re taking out, for debt consolidation / payoff, home improvement, vacations, medical expenses or whatever.
    • Closing costs, discount points, down payment amount: The refinance calculator displays an estimated amount of closing costs, not including discount points, on the next screen. You can use this estimate if you don’t know the amount of closing costs.

    Use the drop-down window to select the appropriate option for paying closing costs:

    • Paid by cash or check: You’re contributing funds to cover closing costs
    • Rolled into the loan: Your refinanced mortgage amount will include closing costs.
    • Paid by Lender: Your mortgage lender pays the closing costs (but you’ll pay a slightly higher interest rate).

    After clicking the “calculate” button, the first section of the next screen displays a comparison of your current and proposed mortgage amounts, interest rates, and if applicable, any cash out amount and closing costs for the new mortgage.

    The next section compares the interest you’ll pay for the full term of your existing loan and for the new loan.

    The third section of the screen shows your current monthly payment compared to the estimated monthly payment after refinancing. Finally, the calculator indicates the net estimated savings after payment of closing costs (if applicable.) This is the “bottom line” figure that can help you decide whether or not to refinance. You can use the refinance and comparison calculators for reviewing multiple refinancing options.

    Once you’ve tested different rates and figures, try comparing the lowest rates offered by mortgage refinancing lenders. There results are tailored to you, and there’s no obligation for seeing if you qualify for a refinancing rate lower than your current rate. With lenders competing to offer you their lowest rates, you could end up saving thousands over the course of your loan!

    13 Responses to “Refinance Calculator”

      Lauren 12, Aug, 2012

    Staying with your current lender eases the refi process, and may be best if their rate is comparable to the other lenders. If you do have money to invest in closing costs, and are willing to pay for a lower rate, use the refinance calculator to determine how many months it will take before you recoup your closing costs in monthly savings and make sure there is little chance of you selling the home before that time. We wish you well in your search. One of two things will happen, you’ll either find a way to save yourself some money by refinancing now, or you’ll find yourself better prepared to take advantage of the next refinance opportunity that comes your way. Either way you win. Too many people just resign themselves to their current loan and aren’t so proactive at exploring opportunities for improving their situation. Calculators4Mortgages applauds you for being such a proactive manager of your financial affairs.

    Reply MASH 09, Sep, 2011

    I have a april 2004 manufactured home and need refinance my current 15yr mortgage at 4.75%. I am more than 6yrs into biweekly payment and the left over amount is lower than the current value of the house. I was offered a lower rate 15yrs loan but it doesn’t save me anything and extend the period of loan till 2026 which I don’t want. The calculator doesn’t help on biweekly payents started sometime in the middle of last 6yrs. I was also offered no closing cost.Can anybody help me out with this problem. I would like to save money if I refinance. Lower payment but need to have some saving too.

    Reply Cris 24, Feb, 2010

    We part way through both a 1st and a 2ndwith different $ amounts and time remaining. Do you have a calculator that can help us figure out if we should refi both into a new loan.

    Reply Refinance 10, Feb, 2010

    Interesting.

    Reply Jonathon 08, Jan, 2010

    Works great

    Reply ld 13, May, 2009

    cool

    Reply Linda 20, Mar, 2009