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All My Sons Moving Storage is family-owned and operated with more than four generations of moving experience. Our premier moving and storage company has been in business for over 20 years and offers full-service moving for customers and businesses locally, across state lines, and even internationally. Our first-rate services include quilt-pad wrapping of your furniture, disassembly and reassembly of the same and the allowance to leave clothing in your dressers. We provide white-glove service at its finest. Take advantage of our pristine packing and unpacking services or opt for do-it-yourself packing. We work hard to understand your moving needs before ever lifting one box. Call All My Sons Moving Storage today! Learn more.

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All My Sons Moving Storage is excited to team up with the St. Jude Children’s Research Hospital as a national sponsor for the St. Jude Dream Home Giveaway. Each of the thirteen participating All My Sons Moving locations will provide a secondary prize valued at $1,000 and will also move the Dream Home winner into their new home. The funds raised from this campaign will support the ongoing research and treatment efforts of St. Jude, as well as assist millions of children in living a healthy and successful life. Learn about St. Jude and the wonderful children and families they’re impacting all around the world. Learn more.

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

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

How to Disable/Turn off Bing Home Page Image

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

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

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

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

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

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

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

i want to disable bing

my employer doesn t allow us to use facebook

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

i don t want bing as my home page

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

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

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

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

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

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

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

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

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

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

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


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Refinance – Is it the right time?

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Refinance Advice

Paying down debt is always a good idea. It will reduce the amount you pay in interest and shorten the length of your loan. But it might not be the wisest use of your money until you’ve done these three things.

August 18th 2017

For most homeowners, the answer is “yes.” While rates are on the rise, by any historical measure home loans remain incredibly cheap, and it’s possible to land a new, cheaper mortgage even if you have below-average credit and little equity in your home.

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Paying extra on your mortgage can shave years off your home loan and save tens of thousands of dollars in interest charges. Here’s how to get all of the benefits of paying off your mortgage more quickly without wasting hundreds of dollars a year on an accelerated payment plan.

In our roundup of June’s best 15-year mortgage rates, you’ll find several banks offering cut-rate deals on home loans in areas throughout the country.

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National Mortgage Alliance has one of spring’s best nationally available deals on a 15-year fixed-rate home loan. It’s charging well below the current average cost for these loans and this deal is available to borrowers nationwide.

J.D. Power & Associates annual study is a great way to judge how friendly and efficient the borrowing process is at the nation’s largest mortgage lenders. Quicken Loans does well. Bank of America? Cover your eyes.

By budgeting and doing some work on our own, we remodeled our bathroom for about $13,000 less than the average project costs. Here’s how.

More people are renting and paying more for it, so if you own a rental property, this could be a good sign that you made the smart choice.

It’s been a long path through a politically fraught minefield to get anyone in the director’s chair since the bureau was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act.


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

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

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

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

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

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

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Used Cars For Sale – Appraisals, Used Cars – Certified Pre-Owned Vehicles, Edmunds, sell my car.#Sell #my #car


Used Cars For Sale

Find used car inventory nearby

Appraise a used car

Research a used car

about used cars

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

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

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

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

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

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

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

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

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

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

Or browse by car type

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My North Georgia Trader, Buy Sell Trade Your Stuff for Free, sell my car.#Sell #my #car


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Sell My Car, Value Your Car and Sell Quickly Online Auto Trader UK, sell my car.#Sell #my #car


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Public Car Auction – Every Saturday 10: 30 AM Interstate Auto Auction, sell my car.#Sell #my #car


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Public Auto Auctions

Interstate Auto Auction is an auto auction open to the public located in Salem, NH. Our public car auctions sell vehicles from dealer trade-ins, repossessions, lease ends, donated cars and more. At Interstate Auto Auction we want you to buy with confidence. You can TEST DRIVE any of the vehicles before the auction!! Feel Free to review our cars online. We also encourage you to read our about us page and our very helpful and transparent FREQUENTLY ASKED QUESTIONS GUIDE which answers over 20 questions that you may have about how we operate.

Interstate Auto Auction now offers you the option to pay for your auction online.

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FREE: SELL MY CAR FAST SELL USED CAR BUY CARS FOR SALE BY OWNERS AUTO DEALERS SELL TRUCK VAN SELL MY BIKE BOAT MOTORCYCLE #auto #loans #bad #credit


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A List of Local Pages Corresponding to Some Hot Cities in US, Canada, UK

FAQ

Q: I want to sell my car fast. How can I sell my car, at this web site.

A: You can sell your car by listing it at used-cars.info web site. First create a user account (register/sign up), and then login anytime to post auto ads (US, UK, Canada only).

Q: Can I sell my truck too.

A: Yes, any type of vehicle for sale or lease in US, Canada or UK can be posted. If your truck is not a pickup truck, such as a commercial truck or dump truck, etc. choose “other truck” from the menu, when you create your truck ad.

Q: I’m an auto dealer, not a private seller. I have pre-owned vehicles and new cars for sale. Can I post ads here?

A:Yes, it doesn’t matter whether you are a private vehicle seller, or a car dealer or whether you sell used cars or sell brand new cars and vehicles. You can list your auto dealership business too.

Q: How about cycles, snow vehicles, aircrafts, watercrafts. Can I sell my boat?

A: Yes, the term vehicle refers to any kind of vehicle. You can list your boat, canoe, yacht, bike, motorcycle, tricycle, plane, helicopter, snowmobile, ATV, trailer, bus, motorhome, rv, van. Even a spacecraft can be posted.

Q: I want to buy an affordable reliable used car. What can I do?

A: You can search or browse auto listings by location, or create a vehicle wanted ad.

Q: Can we advertise our auto service. Is there any cost?

A: Yes. You can advertise your auto business. All listings are posted for free, and there is no hidden or future costs. Car insurance services, tire stores, car repairs, gas stations, driving lessons, auto shows, dui attorneys, etc can be posted.

Q: Can I trust buyers/sellers when I am trying to buy a car or sell my car at this place.

A: We can’t control who responds to your auto ads. We make efforts to remove suspicious vehicle listings, but there might be fake ads that we can’t catch. Most info on a car ad including the vehicle identification number (VIN) can be correct, and still the person who posted the listing may have bad intentions.

Q: I have 2001 Honda Accord automatic sedan car in good condition. How much should I ask for it?

A: You determine the price. Used-cars.info doesn’t appraise, buy or sell cars. We don’t give any advice. You may want to check car values at other sites like Kelley Blue Book, Nada, Edmunds.

Q: I can’t find cars near my place.

A: You can check this web site at another time, or place a car wanted ad.

Q: When do classified ads expire at used-cars.info.

A: No official expiration date. You can remove your ad anytime, or ask us to do it if you don’t remember your login info.

Q: I want to sell my car fast. How long does it take for me to find a serious buyer if I advertise my car here.

A: It depends mostly on site traffic (currently thousands of unique visitors per day, and growing), and price and condition of your car. If you have a web page, you can link to some pages of this site, and this can increase your and other people’s chances of finding vehicles and buyers. directly or indirectly.

Q: I see almost ten thousands ads here, but you have low traffic and you are a new web site. How did you get so many ads in such a short period time.

A: Good question. All ads are original, meaning they are not taken from elsewhere. People were posting ads and getting free leads. This web site was growing gradually. Suddenly it was penalized for an unknown reason and there is no explanation. Probably some search engines were tricked by spammers who steal content and post at various places etc. But things should get back to normal soon.



Cars in Bankruptcy: What Happens To My Car if I File? #sherman #auto #parts


#bankruptcy auto loans
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Cars in Bankruptcy

Can You Keep Your Car If You File Bankruptcy?

Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

  • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
  • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
  • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

What Happens When You File for Bankruptcy?

Get answers to your bankruptcy questions.

Learn how you may be able to use bankruptcy to save your car, home or other assets.

For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

Car Loans Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

Reaffirmed debts are not discharged and the debt survives the bankruptcy.

If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

As you can see, the decision to reaffirm your car loan is a serious financial matter.

Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

Car Leases in a Chapter 7

If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

Car Loans in a Chapter 13 Reorganization

If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

The good news is that the interest rate you pay on your car loan may be significantly reduced.

For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

Speak With a Bankruptcy Attorney About Protecting Your Car Today.

If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.



Best Lenders To Refinance My Car #auto #show #detroit


#auto refinance loans
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Best Lenders To Refinance My Car

When it comes time to ask the question, “should I refinance my car ,” the next question that may occur to you is: what are the best lenders to do so? There are so many choices that picking one can sometimes seem like an overwhelming task. But it s really not difficult as long as you come to the process prepared. The first thing you need to figure out is whether or not you need to refinance at all. Common wisdom says that, if refinancing will lower your interest rate by at least 1 and a half points, it is advisable that you do so. A lower interest rate will mean less money that you pay in the long run, as well as possibly allowing for lower monthly payments. Assuming that you have decided it s worthwhile, here are some of the best bets for finding car refinancing.

Find out your car refinancing rates now

Up2drive is a venerable name in car refinancing, and has long held a top spot among online lenders. It is a subsidiary of the BMW Bank of North America and boasts a simple and intuitive online interface for their loan applications. The application is free to submit, and Up2drive has been consistently rated in the top 10% of auto lenders in the category of application turnaround time. They also offer expedited check disbursement for approved applications, and the check itself can be made out either to you, or to the dealer. On top of all that, Up2drive is also known for its top-quality customer service department, with qualified professionals ready to field all of your lending questions quickly and efficiently.

MyAutoLoan.com:

MyAutoLoan.com is an easy name to remember, and an easy company to work with. Their application process is extremely quick, and you may apply for as many as 4 loans with 1 application. What s more, the application is free, and turnaround is superb. They have been a noted innovator in the business of online lending, recently announcing a new program of Direct-to-Indirect lending, which analysts expect to be a major event in the industry. MyAutoLoan.com is owned and operated by Horizon Digital Finance, a respected name in online finance of many stripes. Plus, the fact that they ve been providing online lending services since 2004 means they ve got a wealth of experience under their belt, and are still a good bit ahead of most of their competitors.

RateGenius.com specializes in auto refinance loans and offers a free and easy-to-use application to help you find the lowest interest rate on your auto loan. RateGenius acts as a broker by comparing rates within its Lender Network, including FDIC-insured banks, thrifts, and licensed lenders. Once a lender agrees to make the loan, RateGenius will work with you to complete documents and finalize the loan with no service charge.

Get approved for car refinancing here

While this list is by no means exhaustive, it should give you a good starting point in your search for car refinancing.



New HPD Site to Help Citizens Find My Towed Car #auto #speakers


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New HPD Site to Help Citizens “Find My Towed Car”

October 25, 2011 – Houston Police Chief Charles A. McClelland Jr. announced on Oct. 20 the launch of a new tool that will help the public, HPD personnel and storage lot operators determine where vehicles are stored in the event their vehicle is towed from a location, otherwise known as a non-consent tow.

The new website, www.findmytowedcar.com. provides access to information pertaining to vehicles stored as a result of non-consent tows.

This new system is more time efficient, allows the general public to make inquiries into missing vehicles without repeated phone calls, and the receipt and release of vehicles can be tracked by storage lot owners electronically and in real-time.

Chief McClelland explains how important this new technology is to HPD and the citizens of Houston at: http://www.youtube.com/user/houstonpolicedept#p/u/0/84YrNJCfA8Q

For additional information, please contact the HPD Public Affairs Division at 713-308-3200.

www.facebook.com/houstonpolice



Used Cars In My Area: Used Cars By Owner: Used Smart Cars #auto #paint #colors


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#

Used Cars In My Area

If you are in the market for a new or newer vehicle then you have so many options available. No matter if you favor domestic or imported models of vehicles, there is a vast amount of resources to obtain information about vehicles and where you can purchase them. For some consumers, purchasing a brand new vehicle is strictly out of the question either due to financial restraints or even their location; so inevitably, used cars are the next best thing to purchasing a newer vehicle.

There can be many advantages to purchasing a used car over a brand new vehicle. You will have to do your research in order to obtain the very best deal around when you are in the market for a newer vehicle. Benefits such as the manufacturer’s or purchasing an extended warranty, as well as additional options that are not included in the base models can help you make your final decision when browsing for a newer vehicle.

One of the most common choices that a consumer makes when searching for a used vehicle is examining the 3-year lease end models at the local dealership in their area. Having a 3-year lease gives the consumer a chance to see if they wish to purchase the vehicle permanently and if they don’t, they can return it to the dealership to try a newer model or something entirely different. Typically these lease buy-back vehicles have been used as either fleet vehicles, for rental cars or even for someone who has decided not to purchase their brand new vehicle after their lease has terminated.

When you are deciding on a used car, be sure to take a look at the extended warranty options that are available to you. Most used vehicles will not have much time left on their original manufacturer’s warranty and you may wish to purchase an extended warranty for your own security. For many used cars you will have an individualized warranty that guarantees your purchase from any large defects in the near future, but when looking for long-term security, obtaining an extended warranty may be your best bet.

If you find that time is against you and it is hard for you to travel from dealership to individual sellers, you can utilize the Internet as your largest resource for seeking out the used vehicle that you need. Being able to browse many websites such as local dealerships or even Ebay for your newer vehicle can help cut down the time you would spend running around in search of the vehicle you want.

Ebay has been dealing with online vehicle sales for quite some time now, and with fantastic success. Although just as anything you would purchase online, making a large vehicle purchase should be carefully considered. You can obtain information about vehicles both in your area as well as outside your local residence during your search. Depending on how you wish to proceed with the sale, for some, finding a vehicle close to home is the better choice in order to have a mechanical inspection conducted and all the necessary paperwork completed. No matter how you search for and purchase your vehicle, whether you use the Internet or just your local newspaper, be sure to check out all the available options for the best used car for you. Find a “used car in my area” here.

Copyright © 2015 Used Cars In My Area Sellers ship to many countries and states including: ALABAMA AL ALASKA AK ARIZONA AZ ARKANSAS AR CALIFORNIA CA COLORADO CO CONNECTICUT CT DELAWARE DE DISTRICT OF COLUMBIA DC FLORIDA FL GEORGIA GA GUAM GU HAWAII HI IDAHO ID ILLINOIS IL INDIANA IN IOWA IA KANSAS KS KENTUCKY KY LOUISIANA LA MAINE ME MARYLAND MD MASSACHUSETTS MA MICHIGAN MI MINNESOTA MN MISSISSIPPI MS MISSOURI MO MONTANA MT NEBRASKA NE NEVADA NV NEW HAMPSHIRE NH NEW JERSEY NJ NEW MEXICO NM NEW YORK NY NORTH CAROLINA NC NORTH DAKOTA ND OHIO OH OKLAHOMA OK OREGON OR PENNSYLVANIA PA RHODE ISLAND RI SOUTH CAROLINA SC SOUTH DAKOTA SD TENNESSEE TN TEXAS TX UTAH UT VERMONT VT VIRGINIA VA WASHINGTON WA WEST VIRGINIA WV WISCONSIN WI WYOMING WY Oregon Lawyer Resources



Sell My Car – Australia – s No1 Auto Site – 3. 4 Million Buyers. #local #car #dealers


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Show off your car to potential buyers with unlimited photos.

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With every ad, we will send you out a free “For Sale” sticker.

Find your car’s worth and prove it with a RedBook Valuation Certificate

Exclusively available to purchase for Premium sellers, Showcase Your Car will move your ad at the top of search results more often in the largest ad size available.

A PremiumPlus consultant will create and publish your ad – including vehicle details, customised comments and uploading photos. We’ll also work with you in setting the right price for your needs.

A qualified PremiumPlus photographer will meet you at a location of your choice and capture 20+ photos of your car looking its best.

Throughout the selling process, you’ll have access to our PremiumPlus support team who will regularly monitor your ad’s progress and provide advice on safe selling.

Our PrivacyProtect service provides you with a Virtual Number so you can continue to receive important buyer calls with the added confidence that your phone number is kept private.



My Nissan Parts Store Online Nissan Parts and Nissan Accessories #plaza #auto #mall


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MyNissanPartStore.com is an Authorized Nissan Parts Dealer – A Real Dealership with Genuine Part Pro s

Genuine Nissan Parts – Complete Online Factory Nissan Parts at Wholesale Discount Pricing Mechanical and Collsion Catalogs.

Our Hours of Operation are Monday-Friday 8am-5pm CST.

Provides Genuine Nissan Accessories, Aftermarket Nissan Accessory Parts, and Genuine Nissan Parts Replacements for both Your Mechanical and Collision Needs.

Our mission is to supply the Best in Factory Nissan Parts, Original and Aftermarket Nissan Parts and Accessories available through our online auto parts store to keep your Car or Truck running as good as it looks!

Our home page has included Official Nissan USA links for your convenience. Factory Nissan Parts Information link will provide model and year specific parts and accessory information including part numbers that can be used in our search options to find the correct part for you vehicle. Ownership Information provides manuals, guides, helpful maintenance tips, and downloads.

Genuine Factory Nissan Parts and Accessories will carry a Nissan Nationwide Factory warranty as we are a Nissan Authorized Parts Dealership. Discounts apply to our online Nissan Parts, Nissan Accessories, and Nissan Nismo Accessory Parts catalogs only and may not be honored in our local store location.

Prices and Availability are subject to change without notice, updates are done as often as possible to keep reflected prices correct. You will be notified and given a choice on how to proceed with your order in the rare case that an ordered item that is not stocked has changed.

Email or Call If you have any other questions.



Cars in Bankruptcy: What Happens To My Car if I File? #auto #shop


#bankruptcy auto loans
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Cars in Bankruptcy

Can You Keep Your Car If You File Bankruptcy?

Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

  • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
  • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
  • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

What Happens When You File for Bankruptcy?

Get answers to your bankruptcy questions.

Learn how you may be able to use bankruptcy to save your car, home or other assets.

For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

Car Loans Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

Reaffirmed debts are not discharged and the debt survives the bankruptcy.

If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

As you can see, the decision to reaffirm your car loan is a serious financial matter.

Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

Car Leases in a Chapter 7

If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

Car Loans in a Chapter 13 Reorganization

If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

The good news is that the interest rate you pay on your car loan may be significantly reduced.

For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

Speak With a Bankruptcy Attorney About Protecting Your Car Today.

If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.



Donating a Car to Charity #give #my #car #to #charity


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Donating a Car to Charity

Donating a car is a way to support a charitable organization while still reaping an economic benefit through a tax deduction. All donors should be aware that tax deductions for used automobiles, boats or airplanes are available only to those individuals who donate to a qualified charity and who itemize deductions on their tax returns. Following are some tips to consider when deciding whether to donate your car to charity.

Do make sure that you are donating to an eligible organization. Tax deductions are available for donations made to 501(c)(3) organizations, public charities which the Internal Revenue Service has determined to be tax-exempt. To verify an organization s qualified status, contact the Public Charities Division at (617) 727-2200, ext. 2101; the IRS Tax Exempt/Government Entities Customer Service at 1-877-829-5500; or look for IRS Publication 78 in your local library s reference section or on the IRS website. Churches, synagogues, temples, mosques, and governments are not required to register with the Non-Profit Organizations/Public Charities Division or to apply to the IRS for tax-exempt determination. They may not be listed in Publication 78, but donations to these institutions are tax deductible.

Do ask the charity plenty of questions. Find out what the organization s mission is and how your donation will help it. Ask if your donation can go to a particular program or service that interests you or whether it must go only into the charity s general fund. Do not donate to an organization that avoids talking about its charitable purpose or refuses to send you information.

Do ask what the charity will do with your car. Some charities refurbish cars and give them to people in need. Some technical schools use cars in their auto shop programs. Other organizations simply resell the car or sell its parts and use the proceeds for their charitable purposes.

Do ask if the charity handles all aspects of your donation. Many charities contract with for-profit companies to handle all the details of motor vehicle donations. If this is the case, ask how the money from your car donation is split between your charity and the for-profit company.

Deduct only the amount allowed by law. Section 884 of the American Jobs Creation Act of 2004 added sections 170(f)(12) and 6720 to the Internal Revenue Code and changed the rules for donations of motor vehicles, boats, and airplanes beginning in 2005. There are different rules concerning deductions, depending on the value of the car and on whether the charity will keep and use the car or whether it will sell the car (or its parts). The IRS has published A Donor s Guide to Vehicle Donations (Publication 4303), which details the new rules. You can obtain Publication 4303 from the IRS at your local IRS office, or by calling 1-800-TAX-FORM (1-800-829-3676), or from theIRS website .

Do have your motor vehicle appraised by a qualified professional appraiser if it is worth more than $5,000.

Do make sure you have the title to your vehicle. A charity should not accept your donation without a title. To obtain a duplicate title, visit your local Registry of Motor Vehicles branch or visit the Registry s website .

Do take responsibility for transferring the title at the time of the donation. An assignment of title should be made only to the charity or an authorized private, for-profit agent of the charity. The for-profit agent of the charity should be subject to the charity s oversight in order for the agency to be valid for tax-deductibility purposes. The IRS has published A Charity s Guide to Vehicle Donations (Publication 4302), which details the required terms of the agency relationship. You can obtain Publication 4302 from the IRS at your local IRS office, or by calling 1-800-TAX-FORM (1-800-829-3676), or from IRS website .

On the back side of your title, you should assign the title to the charity or an authorized agent of the charity, enter the correct mileage from the odometer, and sign and date the form. Be sure to make and keep a copy of both sides of your title.

Do maintain a personal record of your donation. Items that should be included in your record include:

  • The written contemporaneous acknowledgment from the charity;
  • The name and address of the organization to which you contributed;
  • The date and place where your vehicle was picked up;
  • A reasonably detailed description of the donated car or a photograph of the car;
  • The fair market value of the car at the time of the contribution and how that value was calculated;
  • A signed copy of the appraisal, if the motor vehicle was appraised;
  • Any terms or conditions attached to the car donation;
  • How you obtained the car (by purchase, gift, inheritance, etc.) and the date; and
  • A copy of your title, registration, and any receipts you are given by the tow company or the charity.

Do contact the Non-Profit Organizations/Public Charities Division of the Attorney General s Office at (617) 727-2200, ext. 2101, if you think that an organization is illegally posing as a charity or using deceptive advertising to solicit donations.

Complementary Content



Options Strategies And Your IRA Account #can #i #trade #options #in #my #ira


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Options Strategies And Your IRA Account

I receive many responses from readers of my option strategy articles. Recently one question keeps popping up, though in various forms. Do these strategies work with IRA accounts?

The simple answer is YES, to an extent. In some cases options actually work better in an IRA than in a taxable account.

One of the most common option strategies is the selling of a naked put instead of actually buying the underlying stock. The taxation of gain on any security (including options) that is sold short is at ordinary income rates. In an IRA this doesn’t matter as there is no current tax and all distributions are taxed at ordinary rates regardless of their initial source. So, from an IRA taxation standpoint there is no difference in selling puts and buying stock (though there may well be a difference in investment result).

In a taxable account the same doesn’t necessarily hold true. If you hold a stock long enough the dividends and any gain can be taxed at the lower long-term capital gains tax rate. Shorting a put is always taxed at ordinary rates and can be significantly higher. This is a factor that can reduce your net after-tax yield and should be factored into your planning.

Putting taxation aside, there are several limitations in IRA accounts you need to deal with. First is the margin account. Your IRA must establish a margin account if you are going to employ any strategy other than simply buying calls or puts. This is generally not a big deal but does require proper trading authority from the compliance department of your broker.

The simplest level of authority allows the selling of covered calls. This is really more of a stock strategy than an option strategy but I include it.

Next is the selling of “cash secured puts”. This is relatively easy to understand. Let’s say you want to buy 1000 shares of a stock trading at $15. This would require $15,000 in cash. Instead of an outright purchase you could chose to sell 10 puts (each put controls 100 shares). Your exposure is no greater than having bought 1000 shares for $15,000 and you need only “reserve,” or set-aside $15,000 of cash to enter this transaction. In essence, there is no leverage.

This is different than margin in a taxable account that can require as little as 25% in margin. Taxable margin accounts increase the leverage as much as four-fold. This is either good or bad, depending on which side you land on.

An additional limitation in an IRA account is the prohibition against short selling. Selling “naked calls” is similar to shorting the underlying and prohibited in IRAs. In a taxable account you can sell naked calls and just need to deal with margin requirements.

This means that those strategies that include selling naked calls can’t be used.

Strategies so limited include straddles, strangles, synthetic shorts and other derivations. Let’s say you wanted to sell a “straddle” on a particular underlying stock. This would require you to sell a put and a call at the same strike (usually at the same expiry, but not required). In a taxable margin account this would be permitted. The trade is “paired” and the margin requirement is computed on just one of the legs: the larger of the two.

This can be a very useful tool when a trade entered by selling a put turns against you. Selling a call can offset or reduce further losses. You use little or no margin. This can’t be done at all in an IRA margin account as a naked call can’t be paired with a put (it can be paired only with a long call).

Some readers might just “zone out” when talk turns to straddles and strangles. They often understand what they are but might not really understand how they can be used. Straddles and strangles can provide one of the easiest and most productive hedges available. Readers may want to review my article on using a strangle to hedge XLE to see these strategies in action. Unfortunately this technique isn’t available in IRA accounts.

This leads us to the available option strategies—spreads. Included in these are calendar spreads, diagonal spreads, vertical spreads and certain butterfly and condors that fully pair options. This requires a higher trading authority.

Let’s examine a vertical bull put spread to see the advantage of this higher trading authority. This strategy consists of selling a put at one strike and buying a protective put at a lower strike (both with same expiration). An example would be a stock trading at $25. You could sell 10 out-of-the-money puts with a strike of $24 and buy 10 protective OTM puts with a strike of $20.

If you did not have the higher trading authority it would break down as two separate transactions. 1) a cash covered put requiring $24,000 in reserve ($24 times 1000 shares) plus 2) a cash buy of the lower strike put. With the higher authority the margin requirement is simply the difference in strikes ($4) times the number of shares (1000) or $4,000.

Many of my portfolio strategies consist, in part, of buying far dated options and selling near dated or weekly options (calendar spreads). These spreads are all permitted in an IRA account and one need only take into account available margin balances. The IRA margin calculation for a calendar spread is the same as the vertical put. It is just the difference in strikes times the shares. So, if you bought 10 September OTM calls at $24 and sold 10 OTM December calls at $19 your margin requirement is $5000 ($5 strike differential times 1000 shares).

If you sold a call at a higher price than the one you bought, there is no margin requirement, just cash. It is viewed very much the same as a covered call.

Additionally, if you sell a put at a lower strike than the one you bought there is no margin, just cash.

Whenever spreads are used in an IRA account a trading complexity can exist.

Let’s say your IRA had $100,000 in total value broken down to $60,000 in stocks and $40,000 in cash. Let’s further say you wanted to enter into a bull put spread for 10 options on SPY (currently trading at $125). You sell ten OTM puts at a strike of $123 and buy ten protective OTM puts with a strike of $120. Your margin requirement is only $30,000 ($3 strike differential times 1000 shares) and well within your cash balance.

A snake lays waiting for you in the brush. Let’s say SPY drops and your ten puts are assigned. This means 1000 shares are bought at $123 for a total cost of $123,000 and you only have $40,000 in cash.

This isn’t too big a deal in traditional margin accounts as you can use margin to sell the shares. It doesn’t work that way with IRA margin and this presents a problem that may require you to liquidate other securities and suspend your trading privileges. You need to discuss how your broker will handle this to be sure you aren’t further restricted.

This requires constant monitoring of the extrinsic value of the option to determine its likelihood of assignment. When the extrinsic approaches just a few cents the assignment likelihood increases. If the likelihood is great, you need to pre-mpt the assignment by rolling the option beforehand. If you just use cash secured puts you never have to worry about assignment as there is always enough money to cover the assignment.

A similar problem can occur if you sell a call as part of a paired strategy and the call is assigned. You end up being short the underlying. Since IRAs can’t be short you need to cover the short immediately and need enough cash in your account to do so. If you don’t have enough cash you may encounter a trading violation and that restricts your future trading.

When various spreads allow you to trade options with a “sticker price” in excess of your account value (leverage) you need to monitor them carefully to make sure they aren’t assigned.

In conclusion, if you can secure the necessary trading authority many of the option strategies will be available to you. Margin requirements will restrict some of the leverage available when compared with taxable accounts. Assignment can also become a greater problem than a taxable account and requires monitoring. These are not major obstacles, but ones that need to be kept in mind.

Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

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Teeth Whitening #how #to #make #my #teeth #whiter #at #home


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Teeth Whitening

Your smile creates an immediate, subconscious, visual impact on people you meet. A brighter smile gives the impression of youth, vitality, radiant health, happiness, and warmth. A bright smile is perceived as a healthy smile.

Be sure to consult with your AACD member cosmetic dentist to learn which whitening treatment is best for you. Teeth whitening remains one of the most economical ways to enhance your smile.

Smiles Are Valuable

Statistics reveal that we place a high value on our smiles. According to an American Academy of Cosmetic Dentistry survey:

  • Virtually all adults (99.7%) believe a smile is an important social asset. 96% of adults believe an attractive smile makes a person more appealing to members of the opposite sex.
  • Three-quarters (74%) of adults feel an unattractive smile can hurt a person’s chance for career success.
  • And when respondents were asked, “What would you like to improve most about your smile?” The most common response was: Whiter brighter teeth. If you are not happy with your smile, teeth whitening may be a good first step.

Causes of Tooth Discoloration

Deciduous (baby) teeth are typically whiter than the adult teeth that appear later. As we age, our adult teeth often become darker, yellower, or stained. This is partly why white teeth make people appear more youthful.

Just as there are a number of ways to lighten or brighten teeth, there are also several different ways for teeth to become discolored. The main causes of darkened teeth are genetics, antibiotics, and certain foods, plus teeth tend to darken as we age. Internal tooth discoloration is caused by changes in the enamel of the tooth and the dentin. The main causes of internal tooth discoloration are exposure to high levels of fluoride, tetracycline, use of antibiotics as a child, developmental disorders, tooth decay, restorations, root canal issues, and trauma.

External tooth discoloration is caused by factors outside the body, mainly foods and tobacco. The main causes of external tooth yellowing are smoking, foods with tannins, coffee, tea, carrots, oranges, and other foods.

Types of Teeth Whitening

There are various ways to whiten your teeth, but the two most common are in-office treatment and the do-it-yourself approach, with over the counter products.

In-Office Teeth Whitening

Professional tooth whitening in a dental office is the preferred whitening method because even though stronger agents are applied, the rest of the mouth, including the gums, is protected from these materials. The best whitening systems feature a buffer in the gel that protects the tooth enamel from damage, are extremely effective,and can transform teeth in a single office visit. Your teeth can literally brighten up to 10 shades in about an hour.

In-office whitening affects only the front eight teeth and is a great jump start for take-home whitening, which is always part of an effective whitening program.

Your dentist is best qualified to handle any issues that may arise from whitening treatments, such as tooth sensitivity. Today most tooth sensitivity cases are easily managed.

Tooth whitening can last for one or more years, depending on how well you take care of your teeth, and if you’re following up regularly with a home whitening product for regular maintenance.

Over-the-Counter (OTC) or Home Tooth Whitening Systems

Commercially available tooth whitening systems have become popular, mainly because they’re relatively inexpensive and easy to use.

There are a few over-the-counter tooth whitening methods that can be purchased without your dentist’s supervision. They include whitening strips, paint-on tooth gel, mouth trays with gel, whitening toothpaste, and even whitening gum. These are typically safe products, but if you have oral concerns, it’s a good idea to ask your AACD member dentist if these products are safe to use.

While over-the-counter tooth whitening products are available, dentist-supervised tooth whitening remains the safest, most effective method for brightening your smile. Here are some key reasons why you should always consult with your AACD dentist.

Properly Fitting Mouth Trays. Often, over-the-counter tooth whitening trays do not fit the patient’s mouth properly. Improperly fitting trays may cause the tooth whitening gel to leak, which can result in gum irritation and a less effective treatment.

More Comfortable Solutions. With today’s dentist-supervised systems, even patients with sensitive teeth can undergo teeth whitening treatment.



You can tell by the way I use my walk #my #digital #signature


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‘You can tell by the way I use my walk. ‘

We’re losing the battle against fraudsters who are stealing or guessing our usernames and passwords with increasing success. So could analysing the quirky ways we use our devices – even the way we walk – provide an additional line of defence?

These days you can’t walk down a busy street without bumping into smartphone zombies oblivious to the world around them.

But little do they know that the way they walk, hold and interact with their mesmeric devices could be telling service providers exactly who they are.

This is the amazing new world of behavioural biometrics, the latest front in the cyber-security war.

“By using the accelerometers and gyroscopes in your phone we can gauge your wrist strength, your gait, and we can tell you apart from most other people with a one in 20,000 accuracy – roughly equivalent to the accuracy of a fingerprint,” says Zia Hayat, chief executive of Callsign, a behavioural biometrics firm.

So even if a fraudster has stolen your bank log-in details or downloaded malware onto your phone, such behavioural software should be able to spot that it’s not really you trying to make that money transfer to a foreign bank.

These behavioural idiosyncrasies are as unique as our voices, tech firms say. This is why Morse code operators could be identified simply by the individual way they tapped out messages.

Eyal Goldwerger, chief executive of BioCatch, another behavioural biometrics company, says: “Authentication is all well and good but if fraudsters are already inside your system it’s no use. Most instances of banking fraud occur after user authentication has taken place.”

The way humans interact with devices is very different to the way malware operates, so even if your phone is infected, lying in wait for you to log in before hi-jacking your secure transaction, behavioural biometrics should be able to spot the difference.

Image copyright Callsign Image caption Callsign boss Zia Hayat says behavioural biometrics is “intelligence-driven authentication”

“If the phone isn’t moving but is being operated, you might assume malware is working it,” says Mr Hayat.

“We can even measure air pressure using the barometer on the latest smartphones, which can give us another indication of where the phone is and whether that corresponds to where the user says he is.”

Even the size of your fingers – how much surface is covered when you tap on the screen – can help build up a pretty accurate signature profile, he says.

Perhaps understandably, it is banks who are most interested in this new extra layer of security – Callsign lists Lloyds Banking Group and Deutsche Bank among its customers.

Such behavioural specialists, including firms such as Behaviosec, NuData Security, and Zighra, are also partnering with cyber-security companies that specialise in managing identities.

Callsign’s technology integrates with ForgeRock’s ID management platform, for example.

“We’re moving to a password-less world,” says ForgeRock chief executive Mike Ellis. “So these days we need multiple layers of authentication, and behavioural biometrics is one of those layers.

“Identifying the device, its geo-location, and typical behaviour is another layer.”

Image copyright Getty Images Image caption Cybersecurity companies say even the way we tap on a phone can reveal our identity

More banks are rolling out voice authentication as a more secure and less intrusive way for customers to establish their identity.

“[With the help of] neural networks and machine learning, authentication accuracy has risen from 98% to 99%,” says Brett Beranek, director of product strategy at Nuance, a voice biometrics specialist.

But even he acknowledges the need for another layer of post-authentication behavioural security to protect users against malware-infected phones.

As well as physical behaviours, such as the speed with which we type and swipe, there are psychological ones, too, says Mr Goldwerger – the choices we make unconsciously when navigating a web page, for example.

“The way you decide to scroll down a page – using the mouse scroll wheel or clicking on the webpage sidebar and dragging – can be indicative that this is you accessing the website and not somebody else,” he says.

BioCatch says it measures more than 500 parameters when a user interacts with a digital device.

Using machine-learning techniques, the company says it can build a unique profile of a user’s behavioural idiosyncrasies after just 10 minutes of interaction.

Image copyright Getty Images Image caption Is behavioural biometrics a threat to our privacy?

But behavioural biometrics are not intended to replace existing biometric authentication methods, such as voice, fingerprint or selfie, but to complement them, says Mr Goldwerger.

The advantage of this type of security is that “everything we do is seamless and frictionless – it all happens in the background without the user knowing,” he says.

The software can spot suspicious activity about 98% of the time, he adds.

But what about privacy? If companies like this can know who I am simply by monitoring my online behaviour, is anonymity a thing of the past?

Could what started out as a way to find terrorists hiding behind encrypted communications become a way to identify us all, whether we like it or not?

Mr Goldwerger insists that BioCatch technology does not see any user’s personally identifiable information and the client – usually a bank – doesn’t get to see the anonymised behaviour profile BioCatch produces.

“All the bank sees is a risk score for that user session, and all we see is an ID number associated with that person,” he says.

Callsign’s Zia Hayat says his company does the same thing, principally to comply with existing data protection legislation.

But what if a fraudster steals someone else’s identity and sets up a new account from scratch? Behavioural biometrics won’t be any use surely if there’s no previous user behaviour to compare it with?

BioCatch, which has partnered with credit reference agency Experian, thinks that even in this situation behavioural analysis can help.

“Fraudsters will be less familiar and fluent with the data they’re asked to produce because it’s not theirs,” says Mr Goldwerger.

“We can spot that, and we can notice the different way they fill in application forms because they do it so often.”

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Thousands of quality pre-owned domains available at a range of prices to suit any budget.

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My Choice Motors – Used Cars – Posen IL Dealer #auto #paint #color #chart


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My Choice Motors – Posen IL, 60469

Thank you for visiting My Choice Motors of Posen Illinois. My Choice Motors of Posen, Illinois 60469 is a used car dealer that is in the business of offering for sale quality pre-owned cars, SUVS, and trucks both domestic and import in Posen Illinois 60469. Drop by My Choice Motors or call ahead if you would like to schedule an appointment to view our entire inventory or a specific vehicle. Feel free to compare our prices and selection of quality Posen Illinois pre-owned, SUVS, and trucks against the prices of other used automobile dealerships in the Posen Illinois area. Our prices are competitively priced for quality used cars, SUVS, and trucks. Whether you are planning to buy a pre-owned car, SUV, and truck now or will be buying a pre-owned car, SUV, and truck in the future, My Choice Motors of Posen, Illinois 60469 offers for sale an extensive selection of pre-owned cars, SUVS, and trucks at great prices. In addition our quality, sales and satisfied customers prove it! From our convenient location on 3128 W 147th St. Posen, Illinois 60469 we serve Posen, Midlothian, Orland Park, Tinley Park, Hazel Crest, South Holland, Alsip, Chicago, Brookfield, and surrounding areas.

Let us know how we can assist you with your used car buying experience. Contact us or stop by My Choice Motors today and see for yourself why dealing with us an different way to purchase a pre-owned car, SUV, or truck in Posen Illinois!

My Choice Motors Posen Used Cars, Auto Financing Lot Serving Blue Island Midlothian

Thank you for visiting My Choice Motors Used Cars, financing dealer your Posen Used Cars, Auto Financing lot. Serving as an alternate Blue Island, Midlothian dealer, we offer a large selection of Used Cars. Car Loans inventory. You can browse our online inventory for your next used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance. We are your Used Cars, Auto Financing lot in Posen IL as well as many other fantastic Used Cars. Car Loans inventory!

If you’re looking for Used Cars, Auto Financing lot in Blue Island IL, our dealership in Posen can help. We are proud to serve our community, including Alsip, Bedford Park, Berwyn, Blue Island, Bridgeview, Brookfield, Burbank, Calumet City, Chicago, Chicago Heights, Chicago Ridge, Cicero, Country Club Hills, Crete, Dolton, Dyer, East Chicago, Evergreen Park, Flossmoor, Frankfort, Gary, Glenwood, Griffith, Hammond, Harvey, Hazel Crest, Hickory Hills, Highland, Homer Glen, Hometown, Homewood, Justice, La Grange, Lansing, Lemont, Lyons, Markham, Matteson, Midlothian, Mokena, Monee, Munster, Oak Forest, Oak Lawn, Olympia Fields, Orland Park, Palos Heights, Palos Hills, Palos Park, Park Forest, Posen, Richton Park, Riverdale, Robbins, Schererville, South Holland, Steger, Summit Argo, Thornton, Tinley Park, Whiting, Willow Springs, Willowbrook, Worth. If you’re searching for Used Cars, Auto Financing in Blue Island, or just want to see what Midlothian area Used Cars. Car Loans dealerships have to offer, consider My Choice Motors in Posen. Our selection of popular used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance makes us an excellent choice as a Posen Used Cars, Auto Financing lot.

We hope that you find our website helpful to your needs. Although My Choice Motors of Posen in IL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Posen area customers, you can research our Used Cars, Auto Financing, Used Cars. Car Loans, used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance. Search the extensive inventory of all the My Choice Motors Used Cars, financing that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Car Loans or learn about our Used Cars, financing that we currently have. Give us a call at 708-769-7305.

Posen Used Cars, Auto Financing | Blue Island IL Used Cars, Auto Financing | Midlothian Used Cars, Auto Financing

My Choice Motors – Used Cars, Auto Financing Posen, IL



MY Chevrolet in Salinas, CA – A Dealer for New & Used Chevy Cars #auto #engines


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MY Chevrolet in Salinas Near Santa Cruz, California

Thank you for choosing MY Chevrolet in Salinas, California. We are a new and used car, truck, and SUV dealership, offering vehicle sales, financing, auto parts, and service for Monterey and Santa Cruz! Conveniently accessible from Hwy 101, we are located less than an hour from Santa Cruz at 444 Auto Center Circle in Salinas, California. If you are looking for a Monterey Chevrolet dealer, consider the amazing deals and attractive offers at MY Chevrolet. View our hours and directions page for the best route to our Monterey Bay Chevrolet dealership.

MY Chevrolet in Salinas, California A Chevrolet Dealership Near Santa Cruz Monterey

At MY Chevrolet, we proudly offer the complete line up of Chevrolet cars, trucks, and SUVs. If you’re looking for a Santa Cruz Chevrolet dealership with the fuel-efficient Chevy Cruze or the redesigned Camaro. visit our Monterey Bay Chevrolet dealership in Salinas to check out our amazing selection. Need a family friendly vehicle? We invite you to test drive the spacious Equinox or Traverse SUVs. Check out our entire inventory of new and used cars, trucks and SUVs. If you find one that you like, you can request a quick quote. find out our available financing options. or schedule a test drive through our website. If you have any questions, please call us at (831) 240-8450. email us or visit our Salinas, CA Chevrolet dealership.

Chevrolet Parts Service Near Santa Cruz

From regularly scheduled maintenance to unexpected repairs, the service department at MY Chevrolet is staffed with a team of professionally trained service technicians. Open six days a week, we are standing by to service all of your automotive needs. MY Chevrolet carries genuine General Motors parts for all GM vehicles. If you are looking for OEM parts or accessories for your GM car, truck, SUV, or crossover be sure to contact our parts department in Salinas, California. Use our website to schedule a service appointment. order parts. find tires. or accessories for your car, truck, or SUV. If you have any questions, please email our Chevrolet dealership near Monterey, and Santa Cruz, California.

Salinas Chevrolet Silverado Trucks Near Monterey

MY Chevrolet invites you to check out our most popular model, the Chevy Silverado truck. This full-size pickup truck offers full-size performance, and can handle all of your cargo hauling and towing needs. From a family vehicle to a powerful work truck, the Chevy Silverado is as versatile as its driver. Check out our latest incentives. and visit our Chevrolet dealership near Santa Cruz, California for a test drive today!

Chevy Trucks in Salinas

Come check out our large selection of Chevy trucks in Salinas, CA. If you’re looking for a Silverado 1500. Silverado 2500HD. or Silverado 3500HD. come and see why Salinas truck drivers choose MY Chevrolet. If you’re looking for a Chevy Camaro near Monterey, look no further.

Get Connected With Us

Looking for an unbeatable deal on your purchase of a car or truck in Salinas? MY Chevrolet is proudly offering Chevrolet specials that rival the Ford Friends Neighbors promotion in the Monterey area. Explore our specials online to get a feel for what we’re offering, or come straight to our Salinas dealership for a test drive. Don’t settle for anything less than the best deal on your new car: Shop MY Chevrolet today.



Accredited Credit Counseling #accredit #credit #counseling, #debt #relief, #consolidation #of #debt, #bankruptcy #certificate, #card #credit #debt, #consolidate #debts, #consolidate #my #bills, #credit #reduction


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Accredited Credit Counseling

What Does it Mean to be an Accredited Credit Counseling Agency?

American Consumer Credit Counseling (ACCC) is a nonprofit, Better Business Bureau (BBB) accredited credit counseling agency with an A+ rating. Accreditation through the BBB is the highest standing any company can receive through this organization, meaning that you can be assured of receiving outstanding customer service when you contact us.

What Makes ACCC a BBB Accredited Credit Counseling Agency?

To maintain our status as a BBB accredited credit counseling organization, we adhere to the eight standards of the BBB Standards for Trust. These principles are:

  1. Building trust with customers. In the case of ACCC, this means in our role as a debt relief agency. our counselors care about our clients’ needs and work hard to help them achieve their financial goals.
  2. Advertise honestly.
  3. Be truthful in all of our dealings as a debt reduction service .
  4. Be transparent, meaning that we clearly disclose all information that influences our clients’ decisions to choose us for their debt management needs, such as policies and guarantees.
  5. Keep our promises to our clients.
  6. Respond to our clients’ requests and complaints quickly and effectively, in good faith.
  7. Maintain confidentiality with all of our clients’ account information and conversations.
  8. Demonstrate integrity in everything we do.

Why is being a BBB Accredited Credit Counseling Agency Important?

If you are experiencing financial difficulties and are seeking debt management advice. choosing a BBB accredited credit counseling agency ensures you are working with experts who care about their customers. You can feel confident that the agency is adhering to best business practices, your funds are safe, and the agency is focused on your ultimate goal to become debt-free. In other words, the agency will treat you fairly and work with you to help you achieve your financial goals.

Trust ACCC for Your BBB Accredited Credit Counseling Needs

ACCC offers confidential debt assistance programs nationwide. In addition to our credentials as a BBB accredited credit counseling agency, we are a member of the National Foundation for Credit Counseling (NFCC).

Our services include:

  • Credit counseling
  • Debt management
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  • Housing counseling
  • Financial education

If you need a proven way of paying off credit cards and becoming debt-free, we are here to help you.

For individuals and families trying to figure out how to pay off debts. American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, credit card reduction and consumer debt management services for consumers nationwide. Our certified credit counselors provide financial education for anyone wanting to learn how to get out of debt and how to eliminate credit card debt. As alternative to expensive debt restructuring services and credit card debt consolidation loans. our debt management plans are a kind of credit card relief program that have helped thousands of people pay down credit card debt by consolidating payments and reducing interest rates and finances charges. We also offer bankruptcy counseling, housing counseling and other financial education services for help getting out of debt .

2017 American Consumer Credit Counseling, Inc. 130 Rumford Ave, Suite 202, Auburndale, MA 02466

2017 American Consumer Credit Counseling, Inc. 130 Rumford Ave, Suite 202, Auburndale, MA 02466



Boston Medical Group – Erectile Dysfunction Treatments – Premature Ejaculation – Low Testosterone Solutions, my medical bill.#My #medical #bill


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my medical bill

My medical bill

Welcome to Boston Medical Group

For over 15 years Boston Medical Group’s network of independent physicians has dedicated its practices to treating Erectile Dysfunction Premature Ejaculation and Low Testosterone. Using a proprietary diagnosis and treatment process, the physicians provide personalized treatment programs that enable most men to see results within minutes. Boston Medical Group is considered the world’s largest such network helping over one million men worldwide.

My medical bill

Erectile

Having problems achieving or maintaining erections?

My medical bill

My medical bill

Premature

Are you reaching orgasm too soon even with minimal penile stimulation?

My medical bill

My medical bill

Low Testosterone

Does your age affect your sexual performance?

My medical bill

My medical bill

My medical bill

My medical bill

For 2 years, I had trouble in bed. Sometimes just getting aroused was a problem and maintaining an erection was getting more and more difficult. I felt as if my manhood was on the line. My wife was really understanding but I felt like I was being a less than ideal husband. The help I received at Boston Medical Group has turned my life around and improved my marriage. Kevin Boyd, 46, Bensalem, Penn

My medical bill

I have had trouble with erectile dysfunction since my 20s. I was married for a time, but this problem eventually led to my divorce. I thought that my life was going to be like this forever and it depressed me. Everything changed after I went to Boston Medical. I have my sex life again and I’m living fully everyday.Matthew Z., 39, Los Angeles, Ca

My medical bill

I am married with 4 kids. As I’ve gotten older, my virility has been challenged. I’ve tried everything to turn things around…Viagra, gels, pellets…everything. I began having no hope of ever satisfying my wife again and I was afraid it could lead to infidelity. My situation drastically improved after being diagnosed and treated at Boston Medical Group. For everyone living a life of uncertainty because of erectile dysfunction, there is hope.Will Thompson, 46, Houston, Tx

I can remember the worry I felt the moment I learned that I had low testosterone. It was the reason I had been feeling depressed for a while now , which has caused my sex life to suffer. Everytime I looked at my wife I felt powerless and devastated with my inability to perform. I finally decided to consult Boston Medical Group to receive treatment and support for my condition.. They helped me get my normal life back and nothing could get any better than that. Kerry Smith, 48, Houston, Tx

I have been happily married to my wife for 22 years and we used to have a satisfying sex life until recently as I have really lost my sex drive. I didn’t think this was an issue until my wife finally confronted me about it and told me we needed to make a change. She told me that I need to ask for help. We went to Boston Medical Group and we found out that I had a Low-T condition. Now, I’m back on track and my wife & I have never been any happier and fully-satisfied. Mark Ruperthson, 51, Los Angeles, Ca

Not being able to satisfy my wife has create some distance in our relationship. I tried every tip I read on the internet, but none of them worked and just caused me more frustration. So, I finally decided to consult with Boston Medical Group and I am glad I did. I was treated that day, went home and was able to perform beyond my expectations. I am so glad I found someone that could help me.Martin Clark, 47, San Diego, Ca

My wife and I were at the verge of getting divorced. We have not felt close for many months now and it had turned our relationship towards the worst. I was experiencing something nobody should ever go through premature ejaculation. I decided to visit Boston Medical Group and they changed my life forever. I underwent treatment and my life has not been the same since. I am a new man! Peter John Scott, 39, Austin, Tx



Adobe – Flash Player: Settings Manager – Global Storage Settings Panel #fix #my #internet


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Flash Player Help

This content requires Flash

Note: The Settings Manager that you see above is not an image; it is the actual Settings Manager. Click the tabs to see different panels, and click the options in the panels to change your Adobe Flash Player settings.

Websites might occasionally want to store information, such as your high score from a game that runs in Flash Player or what products you have purchased, to your computer. In the Global Storage Settings panel, you can control how much disk space websites can use to store information, or you can prohibit websites from storing any information at all. (If you prohibit websites from storing information, the website might or might not function as intended.)

Use this panel to specify the default storage settings for websites that you haven’t yet visited. (To change settings for websites you have already visited, use the Website Storage Settings panel .) The following list explains the storage options:

  • If you don’t want to let applications from any website save information on your computer, and you don’t want to be asked again, select Never Ask Again. This action doesn’t delete any information that is already stored. (To delete existing information, use the Delete options in the Website Storage Settings panel .)
  • If you want to decide on a case-by-case basis whether applications from a website can save information on your computer, move the slider to the far left (None). Each time an application wants to save information on your computer, you will be asked for more disk space.
  • If you want to let applications from any website save as much information on your computer as they need to, move the slider to the far right (Unlimited).
  • If you want to let applications from any website save information on your computer, but want to limit the amount of disk space they can use, move the slider to select 10 KB, 100 KB, 1 MB, or 10 MB. If an application needs more space than you have allotted, you will be asked for more disk space while the application is running.
  • (Flash Player 8 and later) If you do not want to let third-party content store information on your computer, deselect Allow Third-Party Content To Store Data On Your Computer.

When you visit a website, the address shown in the browser address bar is usually where most of the website is located. For example, if you visit a fictional website www.[hotel].com, most of the website is located at www.[hotel].com. Sometimes, websites combine content from different sources. For example, www.[hotel].com might display a reservations form in Flash that actually comes from [reservations.hotel].com. The content from the latter website is called third-party content.

Third-party content might try to store information on your computer. In the hotel reservations example, you might be willing to let [reservations.hotel].com store information on your computer, such as data about which hotels you prefer, so that you can make a hotel reservation. However, you might not be willing to let third-party content store information on your computer in other situations. For example, a car-rental company, www.[my-car-rental].com, might have a banner ad on www.[hotel].com, to track your website usage or to record your preferences.

To prohibit all third parties from storing information on your computer, deselect Allow Third-Party Content To Store Data On Your Computer. This option is available only with Flash Player 8 and later. Adobe recommends that you upgrade to the most recent version of Flash Player available.

  • (Flash Player 9.0.115.0 and later) If you do not want to store Flash components on your computer, deselect Store Common Flash Components To Reduce Download Times.

    Flash Player lets you store common or shared SWF and FLV files and other components from different websites on your computer to significantly reduce download times and allow faster viewing. For example, www.[hotel].com and [reservations.hotel].com might both use the same Adobe components on their sites.

  • For an overview of issues related to storage, see What are storage settings? in the discussion of the Settings Manager.



    I want to refinance my car loan but I have bad credit, and now I m looking for best company to refinance auto loan – Get tips here #auto #transport #quote


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    I want to refinance my car loan but I have bad credit, and now I’m looking for best company to refinance auto loan – Get tips here

    The refinance auto loan with bad credit has become increasingly popular. That is why it has also become a common part of most online auto finance companies, lenders and dealers product portfolios. A lot of these online auto finance companies review their interest rates regularly so that their customers can take the advantage of beneficial offers. The auto refinance car loans make sense when car owners and car drivers are fortunate to finance lower than their standard rates. The online broker companies help vehicle owners across the country get lower interest rates on any motor vehicle. The online company information has become greater resources for auto refinance car loans with bad credit solutions.

    The information on refinance auto loan with bad credit history is published and reviewed online regularly. Car owners who are just realizing that their monthly car payment is becoming a burden should make use of these information guidelines. Most car buyers are usually saddled by lenders and dealers with higher than standard interest rates at the time of purchase. They usually expect car buyers to go in for auto refinance as soon as their credit scores improve. The increasing database provides far more options than ever before to car buyers with unaffordable monthly car payment. Such customers must check out the new specifics added on to the database by car loans finance companies. The refinance auto loan for any vehicles is open to direct access. This online tool is helping lots of car buyer s review multiple companies offering the refinance packages.

    The best refinance auto loan with bad credit is not going to drop in anyone s lap. For this credit challenged consumers customers should make a proactive effort and check out the options available to them online. There are plenty of refinance auto loan with bad credit solutions available if only the customers looking for them in the right places. The new uploaded database can generate a mixture of local as well as regional auto finance companies, lenders and dealers to customers. This will help them in locating the lowest interest rates for auto refinance car loans. The internet makes for real time competitive offers because every company wants to clinch the deal before their competitor wins.

    The online databases are reliable resources for the best company to refinance auto loan with bad credit for any customers. The car owners and car drivers across the country are looking for any which ways to lower their car loans repayment. These borrowers have a simplified process at their disposal to locate the auto refinance auto finance companies, lenders and dealers. They can lower their monthly car payment burden without having to negotiate with their current banks or lenders and dealers. The online database gives the latest competitive rates for refinance auto loan with bad credit solutions.

    The latest program launch of the online database search tool gives enhanced strategy. Customers can now find their information on product and services from the auto industry online to make simple and quick decision.



    FREE: SELL MY CAR FAST SELL USED CAR BUY CARS FOR SALE BY OWNERS AUTO DEALERS SELL TRUCK VAN SELL MY BIKE BOAT MOTORCYCLE #used #car #sales


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    A List of Local Pages Corresponding to Some Hot Cities in US, Canada, UK

    FAQ

    Q: I want to sell my car fast. How can I sell my car, at this web site.

    A: You can sell your car by listing it at used-cars.info web site. First create a user account (register/sign up), and then login anytime to post auto ads (US, UK, Canada only).

    Q: Can I sell my truck too.

    A: Yes, any type of vehicle for sale or lease in US, Canada or UK can be posted. If your truck is not a pickup truck, such as a commercial truck or dump truck, etc. choose “other truck” from the menu, when you create your truck ad.

    Q: I’m an auto dealer, not a private seller. I have pre-owned vehicles and new cars for sale. Can I post ads here?

    A:Yes, it doesn’t matter whether you are a private vehicle seller, or a car dealer or whether you sell used cars or sell brand new cars and vehicles. You can list your auto dealership business too.

    Q: How about cycles, snow vehicles, aircrafts, watercrafts. Can I sell my boat?

    A: Yes, the term vehicle refers to any kind of vehicle. You can list your boat, canoe, yacht, bike, motorcycle, tricycle, plane, helicopter, snowmobile, ATV, trailer, bus, motorhome, rv, van. Even a spacecraft can be posted.

    Q: I want to buy an affordable reliable used car. What can I do?

    A: You can search or browse auto listings by location, or create a vehicle wanted ad.

    Q: Can we advertise our auto service. Is there any cost?

    A: Yes. You can advertise your auto business. All listings are posted for free, and there is no hidden or future costs. Car insurance services, tire stores, car repairs, gas stations, driving lessons, auto shows, dui attorneys, etc can be posted.

    Q: Can I trust buyers/sellers when I am trying to buy a car or sell my car at this place.

    A: We can’t control who responds to your auto ads. We make efforts to remove suspicious vehicle listings, but there might be fake ads that we can’t catch. Most info on a car ad including the vehicle identification number (VIN) can be correct, and still the person who posted the listing may have bad intentions.

    Q: I have 2001 Honda Accord automatic sedan car in good condition. How much should I ask for it?

    A: You determine the price. Used-cars.info doesn’t appraise, buy or sell cars. We don’t give any advice. You may want to check car values at other sites like Kelley Blue Book, Nada, Edmunds.

    Q: I can’t find cars near my place.

    A: You can check this web site at another time, or place a car wanted ad.

    Q: When do classified ads expire at used-cars.info.

    A: No official expiration date. You can remove your ad anytime, or ask us to do it if you don’t remember your login info.

    Q: I want to sell my car fast. How long does it take for me to find a serious buyer if I advertise my car here.

    A: It depends mostly on site traffic (currently thousands of unique visitors per day, and growing), and price and condition of your car. If you have a web page, you can link to some pages of this site, and this can increase your and other people’s chances of finding vehicles and buyers. directly or indirectly.

    Q: I see almost ten thousands ads here, but you have low traffic and you are a new web site. How did you get so many ads in such a short period time.

    A: Good question. All ads are original, meaning they are not taken from elsewhere. People were posting ads and getting free leads. This web site was growing gradually. Suddenly it was penalized for an unknown reason and there is no explanation. Probably some search engines were tricked by spammers who steal content and post at various places etc. But things should get back to normal soon.



    Car Removal Brisbane – Scrap Car Yard – Recycling #scrap #my #car #online #quote


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    Car Removal Brisbane

    Get instant cash from our car removal team and get your vehicle removed for free from anywhere in Brisbane. We will pay you top cash for your car, van, 4 4 or truck. It s really that easy. Just get in contact with us for a quote!

    Get up to $6000 + FREE removal!

    Just fill out the form on the right or call us on (07) 339 39 929 or 0408 616 667 to book FREE vehicle removal and get a cash quote for your car, 4 4, truck or other vehicle. Find out more about our Brisbane car removal service below the image.

    Quick and easy cash for cars service

    Cash for Cars Brisbane know how much of a hassle it can be to try to sell your vehicle to the auctions or online! Our Brisbane cash for cars service makes it super easy to get rid of your unwanted vehicle and get a nice fat stack of cash for it. Get a cash quote for your vehicle by calling (07) 339 39 929 or 0408 616 667 or emailing us.

    All vehicle makes, models and conditions

    Got a rusted old bomb? Collision damaged car? Vehicle that s no longer worth repairing? Our Brisbane car removal team will take any make and model of car, truck or light commercial vehicle in any condition. Even if your vehicle is too old or damaged to move, we ll take it away for you. To book a pickup, call us on (07) 339 39 929 or 0408 616 667 or use the form on the right.

    Why Sell Your Car To Us?

    We buy all your unwanted. old, scrap, accident, registered, damaged, used, new or unused cars, vans, trucks, 4wds, suvs and even bikes. When selling the car to us it is such an easy process as fast as 1 2 3. Call us, mention the car make and model and the bit about your car and we will give you an instant quote on the phone. Once agreed our drivers will arrange a time to pick the car from your place or the location you wanted us to pick up. Our service is free and we take of all the paper work for free. If you need more information about handing over the number plate visit rms.qld.gov.au

    Car removal Brisbane service areas

    List of areas serviced by our car removal team

    More information on car removal services



    Criminal lawyer ny #juvenile #lawyer,juvenile #charges,juvenile #defense #lawyer, #discipline #lawyer,discipline #law,child #suspended #from #school, #special #education #lawyer, #protect #accused #child, #my #childs #rights, #child #attorney,school #discipline, #school #discipline #law,education #attorney,education #law #attorney,special #education #attorney,


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    Connecticut and New York Child’s Rights Attorney

    Your child is a precious gift that means everything to you

    Attorney Phillip J. Cohn is dedicated to helping families with any type of child’s rights dispute, from early childhood to adulthood. He will fight to help protect you and your child from harm and ensure fair treatment in the schools and courts. Attorney Phillip J. Cohn is a Partner at Goldman, Gruder Woods, LLC. a full-service firm with experience in litigation, corporate, and real estate law.

    Protecting children and adults with disabilities and special needs

    Attorney Phillip J. Cohn has a unique sensitivity to helping children and adults with disabilities and special needs. We are knowledgeable regarding the many special challenges children and adults with disabilities face in the schools and courts. We are experienced in education law, juvenile law, criminal law, and the laws governing children’s rights and special education. The firm is skilled in identifying problems, proposing remedies, and negotiating solutions to protect the rights of children and adults with disabilities, including:

    • Autism / Asperger Syndrome / Pervasive Developmental Disorder (PDD)
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    • Attention Deficit / Hyperactivity Disorder (ADD / ADHD)
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    We will advocate for you and your child’s rights if:

    • Your child has special education needs, such as autism or learning disabilities, and you need help acquiring appropriate educational services and/or out-of-district placement.
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    • You or your child has been accused of a crime or arrested.
    • Your child is the victim of bullying, harassment, or cyberbullying.
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    • You or your child is facing academic or disciplinary charges from a college or university.
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    • Your family is dealing with a DCF investigation or juvenile court matter.
    • Your family is experiencing any type of child’s rights dispute, from early childhood to adulthood.

    If you feel that you or your child’s rights have been denied, and you need help navigating the complex educational and legal systems, we can help. We know the Connecticut and New York school systems and courts, and how to protect children. Contact us today!

    Education Law

    Family Law



    Can I Refinance My Car Loan? #auto #restoration


    #auto refinancing
    #

    Can I Refinance My Car Loan?

    There are two main reasons why people refinance auto loans. 1) To lower the interest rate they are paying and 2) to reduce their monthly payment. You may be able to do both when you refinance, and save hundreds or thousands of dollars in the process.

    As you look into refinancing, keep in mind that lenders may have minimum standards they require. For example, your remaining balance on your current loan may have to be at least $7,500 and your current mileage may not be more than 75,000 miles. Since each lender has its own standards, don t be discouraged if the first lender you talk with can t help you. Do, however, be sure to ask about minimum requirements before you apply so you don t waste time applying for loans you can t get .

    Auto Loan Rates Looking to buy a new or used car or refinance an existing auto loan? Take a look at today’s auto loan rates and find the best loan for you.

    If you want a lower interest rate

    The new interest rate you ll get is based at least in part on your credit score. so check your credit score online before you apply. You can pull your full credit report at AnnualCreditReport.com or try our free Credit Report Card for a monthly credit score update. Keep in mind the score the lender requests and the one you view may be different since there are many different credit score models available.

    Even if your credit scores haven t changed since you got the loan, you may still find that you can get a better rate. This is especially true if you obtained your financing through the dealer. since dealers may mark up loans to a higher interest rate in order to make more money for themselves.

    If you want a lower monthly payment

    Aside from reducing your interest rate, an auto loan refinance can reduce your monthly payment. This may extend your loan term, or the number of months you have to repay the loan, though. That s not ideal because you may pay a lot more in the long run. Since car values depreciate so much, you may find you owe money on a vehicle that s not worth that much anymore. But there s an easy way to solve that problem; pay more on your loan each month to pay it off faster.

    Refinancing a vehicle loan can be a good option if you can free up some cash and alleviate a financial burden. Just be sure to weigh the pros and cons, including the costs involved in refinancing.

    Get Your Free Credit Score & Monitoring

    Plus Weekly Updates From Our 50+ Experts

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    Get the latest tips & advice from our team of 50+ credit & money experts, delivered to you via email each week. Sign up now .

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    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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    UAC Undergraduate website #universities #admissions #centre, #education, #uac, #nsw, #australia, #international, #atar, #my #uac, #undergraduate, #postgraduate, #tertiary, #institutions, #equity #scholarships, #educational #access #schemes, #courses, #special #tertiary #admissions #test, #uac #guide, #applying, #resources


    #

    Undergraduate admissions 2016–17


    Applications and change of preferences for study in semester 2, 2017 have closed.

    Applications for study in 2017 18 will open on Wed 2 August 2017.

    We’ve just launched a new version of our online application. All the functions previously available in Check Change can be accessed by logging in to your application .

    Thinking about applying for undergraduate study? UAC offers year-round undergraduate admissions to applicants who meet our participating institutions’ admission requirements.

    Find out if you can apply through UAC Undergraduate then read admission requirements for information about the qualifications you’ll need to get into uni. Also, check our offer dates to ensure you apply and submit your documents in time for offer dates.

    If you’ve already left school and you’re interested in applying for tertiary study, read our non-Year 12 information about admission requirements and the application process.

    After you apply you can log back in to your application to manage and track the status of your application and participate in our many offer rounds.

    We recommend that you log in to your application regularly to check for correspondence from UAC.

    If you’ve already applied in this admissions period (ie since Aug 2016) and have changed your mind about what you want to study don’t submit a new application ; simply log in to your existing application and change your preferences. Have you forgotten your UAC application number or UAC PIN ?

    If you’re a non-Year 12 applicant and want to apply for advanced standing/credit for prior studies, you must do this directly with the institution after you receive an offer.

    How do offers work?

    We release offers to courses from September 2016 to July 2017. Most offers for first semester courses are released in the Main Round in January 2017. Read about the selection process and offers to find out more.

    Quick Undergraduate links

    YOUR APPLICATION
    Manage your application



    Home Page #promote #my #business #online


    #

    37th Annual International Conference on Critical Thinking

    Fall Online Courses in Critical Thinking

    2017 Fund Drive

    We Need Your Help

    With a bare minimum of staff and resources, The Foundation for Critical Thinking needs volunteer help as it serves countless students and faculty at universities, school districts, trade schools, and private and military academies around the world, as well as businesses, government departments, and individuals from all walks of life.

    Donate to the Foundation for Critical Thinking

    Our 2017 Spring Fund Drive reached only 9% of our $100,000 goal, requiring us to continue the drive into summer. As a 501(c)(3) non-profit organization with no grant funding or major benefactors, we need help from you to keep our organization alive!

    A few dollars from each person reading this would end fundraising for at least a year. We hope you’ll join those who have contributed and add your voice to the critical thinking movement.

    37th Annual International Conference on Critical Thinking

    Join us at Sonoma State University in California’s Wine Country for the longest-running critical-thinking conference on earth, hosted by the world’s longest-established think tank dedicated to critical thinking.

    Online Bookstore

    The Paulian framework for critical thinking has been developed and discussed through decades of scholarship by the world’s foremost experts on substantive, explicit, ethical rationality. Our books, Thinker’s Guides, videos, and other materials embody the many important breakthroughs that resulted from these years of intellectual industry.

    Professional Development for Educators

    Critical thinking is foundational to the effective teaching of any subject. When we think through any matter, we can do so only by our capacity to reason and make sense of things. Therefore, we can think through a subject well only when we reason effectively through the logic, problems, and issues within its discipline. We provide on-site as well as online professional development, helping instructors bring critical thinking into the heart of their teaching, and administrators bring it into the core of curricula.

    Online Courses in Critical Thinking – Fall 2017 Registration Re-Opened!

    We have semester-long courses for educators, students, business professionals, military and government personnel, and those from any other walk of life.

    Learn the framework for critical thinking that is now used in colleges and universities around the world, and in US military intelligence analysis.

    The Thinker’s Guide Library

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    Also available individually.
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    My Choice Motors – Used Cars – Posen IL Dealer #firestone #auto


    #used cars dealerships
    #

    My Choice Motors – Posen IL, 60469

    Thank you for visiting My Choice Motors of Posen Illinois. My Choice Motors of Posen, Illinois 60469 is a used car dealer that is in the business of offering for sale quality pre-owned cars, SUVS, and trucks both domestic and import in Posen Illinois 60469. Drop by My Choice Motors or call ahead if you would like to schedule an appointment to view our entire inventory or a specific vehicle. Feel free to compare our prices and selection of quality Posen Illinois pre-owned, SUVS, and trucks against the prices of other used automobile dealerships in the Posen Illinois area. Our prices are competitively priced for quality used cars, SUVS, and trucks. Whether you are planning to buy a pre-owned car, SUV, and truck now or will be buying a pre-owned car, SUV, and truck in the future, My Choice Motors of Posen, Illinois 60469 offers for sale an extensive selection of pre-owned cars, SUVS, and trucks at great prices. In addition our quality, sales and satisfied customers prove it! From our convenient location on 3128 W 147th St. Posen, Illinois 60469 we serve Posen, Midlothian, Orland Park, Tinley Park, Hazel Crest, South Holland, Alsip, Chicago, Brookfield, and surrounding areas.

    Let us know how we can assist you with your used car buying experience. Contact us or stop by My Choice Motors today and see for yourself why dealing with us an different way to purchase a pre-owned car, SUV, or truck in Posen Illinois!

    My Choice Motors Posen Used Cars, Auto Financing Lot Serving Blue Island Midlothian

    Thank you for visiting My Choice Motors Used Cars, financing dealer your Posen Used Cars, Auto Financing lot. Serving as an alternate Blue Island, Midlothian dealer, we offer a large selection of Used Cars. Car Loans inventory. You can browse our online inventory for your next used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance. We are your Used Cars, Auto Financing lot in Posen IL as well as many other fantastic Used Cars. Car Loans inventory!

    If you’re looking for Used Cars, Auto Financing lot in Blue Island IL, our dealership in Posen can help. We are proud to serve our community, including Alsip, Bedford Park, Berwyn, Blue Island, Bridgeview, Brookfield, Burbank, Calumet City, Chicago, Chicago Heights, Chicago Ridge, Cicero, Country Club Hills, Crete, Dolton, Dyer, East Chicago, Evergreen Park, Flossmoor, Frankfort, Gary, Glenwood, Griffith, Hammond, Harvey, Hazel Crest, Hickory Hills, Highland, Homer Glen, Hometown, Homewood, Justice, La Grange, Lansing, Lemont, Lyons, Markham, Matteson, Midlothian, Mokena, Monee, Munster, Oak Forest, Oak Lawn, Olympia Fields, Orland Park, Palos Heights, Palos Hills, Palos Park, Park Forest, Posen, Richton Park, Riverdale, Robbins, Schererville, South Holland, Steger, Summit Argo, Thornton, Tinley Park, Whiting, Willow Springs, Willowbrook, Worth. If you’re searching for Used Cars, Auto Financing in Blue Island, or just want to see what Midlothian area Used Cars. Car Loans dealerships have to offer, consider My Choice Motors in Posen. Our selection of popular used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance makes us an excellent choice as a Posen Used Cars, Auto Financing lot.

    We hope that you find our website helpful to your needs. Although My Choice Motors of Posen in IL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Posen area customers, you can research our Used Cars, Auto Financing, Used Cars. Car Loans, used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance. Search the extensive inventory of all the My Choice Motors Used Cars, financing that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Car Loans or learn about our Used Cars, financing that we currently have. Give us a call at 708-769-7305.

    Posen Used Cars, Auto Financing | Blue Island IL Used Cars, Auto Financing | Midlothian Used Cars, Auto Financing

    My Choice Motors – Used Cars, Auto Financing Posen, IL



    Find the Right Small Business Phone System #business #phone #companies #in #my #area


    #

    Find the Right Small Business Phone System

    What to Know When Buying a Small Business Phone System

    Small business phone systems are available in a variety of configurations, offering an ever-growing range of features and benefits. Most modern small business phone systems today run on Internet Protocol (IP) networks—the same network they use to connect employees, devices, and information resources.

    But how do you find the right small business phone system for your company? And what’s the best way to deploy it?

    Here are a few key considerations when evaluating and implementing a new small business phone system.

    Understand What Your Users Need

    The right small business phone system can give your people the tools they need to be more efficient. Does your workforce need easy access to mobile communications or video? Do workers need one phone number that simultaneously rings on multiple devices?

    Features and capabilities available include:

    • Mobile softphones, for using a computer as a phone
    • The ability to make and receive calls from smartphones or tablets
    • Video or web conferencing support
    • Automated attendant
    • Paging and intercom

    You can also get unified messaging, with notifications by email, text message, or phone. Instant Messaging and Presence technology, other popular features, help you quickly identify the people available within your organization and reach them at any given time.

    Reduce Your IT Costs

    Today’s small business IP phone systems can consolidate essential communications and collaboration capabilities onto a single server solution. This reduces IT complexity and communications costs.

    Be Prepared for Change

    A new small business phone system can change the way you and your employees work and conduct daily business transactions. For example, using video, you can meet with remote staff, customers, suppliers and partners to enhance key relationships.

    Talk to Your Trusted Advisor.

    Consult with your local service provider or reseller to help ensure that your phone system’s features and capabilities will meet your company’s short- and long-term business goals.

    The Cisco Business Edition 6000S provides all the essential communication and collaboration capabilities needed for your business. It is designed specifically to meet the needs of small businesses with up to 150 users. Cisco Business Edition 6000S offers an easy to deploy, manage, and use IP telephone system, plus much more.



    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



    SOS – What do I need to sell my car by myself? #detroit #auto #auction


    #sell a car
    #

    You are here

    1. SOS

    What do I need to sell my car by myself?

    Agency: State

    If you are selling your vehicle and cannot find its title, you will need to get a duplicate title at a Secretary of State branch office.

    As seller, complete your part on the title assignment by signing it and adding the:

    • Vehicle mileage
    • Selling date
    • Selling price

    Note: If there is more than one owner named on the front of the title, all owners must sign.

    • Check if any liens (such as bank loans) against the vehicle that are noted on the title. If there is a lien, it must be released by the lienholder in the appropriate signature space. You also may attach a lien termination statement from the financial institution to the title.
    • Have the buyer enter their name, address and signature in the buyer’s section on the title document.
    • If possible, the buyer and seller should go together to a Secretary of State office to complete the title transfer.

    If you are unable to accompany the buyer, maintain a record of the sale for at least 18 months. The record can be a photocopy of the reassigned title or a form or document that includes the vehicle’s year, make, and Vehicle Identification Number, as well as the name, address, driver’s license number and signature of the person to whom the vehicle is sold along with its purchase price and date of sale.

    Under Michigan law, a seller is not liable for any damages or a violation of the law caused by the buyer if the seller maintains proof of sale.

    • Keep the license plate that was on the vehicle you sold. You may transfer that plate to another vehicle.
    • Remember to cancel your insurance on the vehicle that you sold.

    If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.



    Sell your car, sell my car, selling old car quickly, car Prices #bad #credit #auto #dealers


    #sell my car
    #

    Car advertising

    How to sell your used car privately

    sell my

    used car?

    How do I sell my used car?

    Properly cleaning your car before the sale can add hundreds of rands to its value. That doesn’t mean just driving it through a car wash – you need to pay more attention to detail. That could mean paying R150-500 to have it professionally valeted, or you could do it yourself.

    If you decide to do the work, buy some decent car shampoo and a decent polish. See this as an investment; R100 spent on the right products, plus a bit of elbow grease, could see your car’s value increase by several hundred rands.

    Hose the car down then with the bodywork already wet, hand wash the panels using a sponge and some soapy water. Don’t use washing up liquid as it smears and don’t hose down the engine bay as you might damage the electrical systems. Once you’ve cleaned the outer panels focus on:

    • The wheels
    • The wheel arches
    • The door shuts

    Once you’ve washed everything, leather down the bodywork and glass, to get rid of any drying out marks. While the car dries out, turn your attention to the interior.

    • Vacuum the carpets and seats
    • Empty the ash trays
    • Remove any rubbish in the boot and glove box

    Wipe over the dashboard and trim panels with a damp cloth and if the headlining or seats are dirty, clean them with a mixture of upholstery cleaner and warm water. While the interior dries out, you can then finish off by applying a coat of polish to the bodywork, which will help to keep your car clean for a few weeks.

    place a

    used car advert?

    How do I place a used car advert?

    Advertising your car on Auto Trader is quick and easy, but if you don’t use the best wording or you ask too much for the car, you’ll get a limited response. Here’s how to create a great advert.

    Start by working out how much to ask for your car. Price it too low and you’ll lose money, but price it too high and you’ll get no interest. The key is to price it just above what you’ll accept, leaving room to negotiate – everyone likes to think they’re getting a bargain.

    You can get your car valued on Auto Trader. This gives you a tailored value, for your car specifically, but it’s also worth looking at what other people are asking for their cars. A quick look through our listings will help you set the price effectively. When setting the price, take into consideration the mileage, derivative and overall condition of your car.

    Once you’ve worked out the right price for your car, put an advert together that tells potential buyers everything they’re likely to need to know. Make sure you include:

    • The exact type of car, including the engine size and body style
    • The year and registration
    • Your car’s mileage and colour
    • How many owners it’s had and how much service history is available
    • Equipment that’s fitted, such as air-con, alloy wheels, sat-nav


    Sell My Car #cars #for #sales


    #sell my car
    #

    How can I sell my car and find out Who will pay the most money for it?

    How do we manage this?

    It’s simple. Instead of the usual car buying websites that give you an automated offer, we broadcast your vehicle far and wide to lots of different companies. This gives you the confidence to be able to compare prices and make sure that what you have already been offered or what one of our dealers is offering you is honest and fair.

    Many car sellers can get burned when selling through a car buying website and end up with automated Car Values not being honoured as well as surprise admin fees and collection charges.

    Quicksellcar does not make any Automated Valuations. Our Approved Dealers will be making their individual offers professionally and ask for any further information that can affect your cars value. They are all aware they will be competing to try and purchase your car not only against sites you might have previously visited for an automated offer, but also against other Approved dealers on the site. This puts you in the driving seat and greatly increases your chances of receiving the best price online.

    We eliminate all the hidden surprises too. We charge a fee of just 10 to view all of the offers and enquiries for your vehicle and that’s it. This charge is to stop dealers wasting time with those not serious about selling. There are other charges at all. No admin fees, No commission payments and No sales fees. We operate a feedback system too with a three strikes and your out rule to combat anybody trying to change their original offer. It’s a radically new way to sell a car quickly for a good price without the hassle of selling privately.



    Sell My Car – Australia – s No1 Auto Site – 3. 4 Million Buyers. #discount #auto #part


    #sell my car
    #

    PremiumPlus

    Show off your car to potential buyers with unlimited photos.

    *Unlimited photos not yet available for upload in apps

    Unlimited edits

    PriceAssist compares your car with others in the market so you can be confident you’re setting the right price.

    With every ad, we will send you out a free “For Sale” sticker.

    Find your car’s worth and prove it with a RedBook Valuation Certificate

    Exclusively available to purchase for Premium sellers, Showcase Your Car will move your ad at the top of search results more often in the largest ad size available.

    A PremiumPlus consultant will create and publish your ad – including vehicle details, customised comments and uploading photos. We’ll also work with you in setting the right price for your needs.

    A qualified PremiumPlus photographer will meet you at a location of your choice and capture 20+ photos of your car looking its best.

    Throughout the selling process, you’ll have access to our PremiumPlus support team who will regularly monitor your ad’s progress and provide advice on safe selling.

    Our PrivacyProtect service provides you with a Virtual Number so you can continue to receive important buyer calls with the added confidence that your phone number is kept private.



    Auto Loan Calculator #pay #my #capital #one #auto #loan


    #

    Auto Loan Calculator

    TIPS to Pay Less Interest

    1. Make a larger down payment (lower loan amount)
    2. Buy a less expensive car
    3. Get a lower interest rate
    4. Make extra payments (pay more than the normal monthly payment, assuming you are allowed to and that you don’t get penalized for it)
    5. Pay off early (by making extra payments or a balloon payment)
    6. More frequent payments (small effect – just go with monthly by default)

    Description

    This auto loan calculator determines the payment for a fixed-rate loan. The default is to solve for the Payment. You can also enter the Payment and leave one of the other fields blank to solve for Loan Amount or Interest Rate. Enter an extra payment amount to see how much you might save by paying off your loan earlier.

    The payment includes Principal+Interest. The calculator also estimates the total interest paid over the course of the loan. It does not take into account rounding, so the estimate may be off be a few dollars.

    Solving for the Rate requires iteration, and there may be zero or more solutions. When the solver fails to converge, you’ll get an error such as Could not solve for Rate . The rate is rounded to the 6th decimal place.

    Definitions Back to Top

    Loan Amount – This is the amount that you have borrowed. It is NOT the price of the car. It is the amount financed, which often consists of the price of the auto + fees + sales tax – down payment.

    Annual Rate % – This is the annual interest rate. This calculator assumes a fixed interest rate.

    Term – Specifies how long until the loan is paid in full, assuming no extra payments. Auto loans are usually 1 to 6 years (12 to 72 months).

    Payment Frequency – Used to specify the number of payments made per year (Monthly = 12 payments per year, Semi-Monthly = 24 per year, Bi-Weekly = 26 per year).

    Payment – This is the amount (Principal + Interest) that you must pay each period. If you leave this field blank, the calculator will solve for the payment.

    Extra Payment – This is the amount that you want to pay in addition to the normal payment, that will go towards paying the principal, allowing you to pay off the loan earlier and pay less interest overall.

    Note: Values returned by this calculator may not be exact, due to rounding or truncation errors.

    Disclaimer: Your financial situation is unique, and circumstances vary, so don’t depend on this auto loan calculator to make your auto financing decisions. Please consult a professional. This calculator is for informational use only and does not constitute tax or financial advice.

    More Loan Calculators



    Auto-Finder Review: Dude, where – s my car? #auto #auction


    #auto finder
    #

    Auto-Finder Review: Dude, where s my car?

    by Andy Chen on February 15, 2010

    In the mid 1990s, my best friend and I took a trip to DisneyWorld in Orlando.  Every time we returned to the parking lot, we faced a familiar scenario:  We couldn t find our rental car.  Simply too many cars!  Adding insult to injury, our rental car was a red Chevrolet Corsica which was a staple of rental car agencies back then.

    When I saw the Auto-Finder from Finder Technologies. I knew I wanted to try this.  You see, my undergraduate senior design thesis was on radio-direction finding methods.  I ve participated in many amateur radio fox hunts , where a buddy hides somewhere in town and a bunch of college guys without girlfriends on a Saturday night (yes I was one of them) run all over the hills with radio receivers trying to find the hidden fox .  Oh yes, a fun bunch we were. Would the Auto-Finder lead the way?

    The basic kit is composed of a battery-operated beacon that stays in your car, a keyfob locator and a leatherette carry case.

    1. Pointer Remote battery powered transceiver carried by user and attached to keychain

    • One Locate push button for activation
    • Three LEDs for direction indication
    • A speaker that produces tones proportional to correct direction
    • Two custom, patented antennas used for determining directionality
    • 2x size 27A batteries (12V)

    2. Beacon battery powered transceiver mounted in the vehicle

    • A speaker for reporting status
    • Two omnidirectional antennas
    • 3x size AA batteries

    Hardware Specs:

    • Transceiver frequency range: 2405 2480 MHz
    • Transmitter output power: +19 dBm
    • Internal operating voltage: 3.0V
    • Batteries: Size 27A, 12V Alkaline (x2)
    • Battery Life: approximately 6 months (typical use)
    • Dimensions (WxLxH): 1.87 x 1.87 x 0.63
    • Weight (with batteries): 4.75oz./135g
    • Antennas: PCB trace antennas
    • Transceiver frequency range: 2405 2480 MHz
    • Transmitter output power: +19 dBm
    • Internal operating voltage: 3.0V
    • Batteries: Size AA 1.5V Alkaline or non-rechargeable Lithium (x3)
    • Battery Life: approximately 6 months (typical use)
    • Dimensions (WxLxH): 2.75 x 3.54 x 1.02
    • Weight (with batteries): 7.0 oz/ 200g
    • Antennas: Embedded antennas

    This wedge-shaped object is powered by three AA batteries and can be attached inside your car with the supplied hook-and-loop tape.

    The keyfob is roughly the size of an everday car alarm fob, although perfectly square.  Fits into the included carry pouch perfectly if you don t wish to attach another fob to your key ring.

    So how does it work?  To test this, I tried the Auto-Finder in two typical parking setups:  Inside a concrete parking structure with lots of hard surfaces, and while parked in an outdoor, open-air flat parking lot.  I knew reflected radio waves were going to be the enemy, so I thought this was prudent.

    To operate the Auto-Finder you simply press the keyfob button.  It sends a signal to the beacon.  The beacon then sends a locating signal for the keyfob to home in on.  So far, so good.

    The keyfob has three green LED arrows.  The stronger the signal, the more arrows.  There s also a chirping speaker inside the keyfob that beeps with increasing tone and frequency the hotter you get.  All this makes perfect sense.

    What I found, however, that the Auto-Finder is easily confused by reflected waves and bombards you with a cacophony of bleeps in rapidly changing tones.  The green LEDs were not much help, either;  They would frantically flash to the beat of the beeps, seldom providing any useful information.

    The instructions suggest sweeping around in an arc while standing in place:

    • Stop
    • Press the Search button and slowly scan the whole parking area
    • Observe the sounds and arrows for the strongest indication
    • Release the Search button
    • Walk in the direction of the strongest indication

    I got many odd stares by passers by as I was using this modern-day divining rod.  I was used to it.  After all, I m a geek.

    What surprised me was there was no change in accuracy or usability for me in a concrete parking structure vs. an open air one.  In either case, the Auto-Finder appeared overwhelmed by all the signals and spat out bleeps and beeps and green lights.

    One thing that did work, however:  If you are VERY close to your car, the Auto-Finder s beeps change into a constant tone.  BEEEEEEEEEEEP.   This is better than nothing.  But at this point, if you re right next to your car and need this kind of electronic assistance, you may be better served honking your horn with your car s remote.

    Does it work?  Sort of.  But I can appreciate the kind of challenges in a a product like this.  The remote itself is very small, so the antenna receiver design is limited.  A receiver sensitivity switch or knob would be handy, allowing the user to fine tune and reject stronger multipath signals.   But adding that would be difficult to explain to non-techies.

    In the end, I like the idea.  It doesn t rely on GPS so you don t need a clear view to the sky.  It doesn t draw attention to yourself by honking the horn of your vehicle (although you may get strange looks as you re beeping away).  You can even purchase a multi-unit kit for the entire family.  It may need a little more work before it earns a permanent place on my key ring, however.

    What did we do with our rented red Chevy Corsica?  We tied a green ribbon to the radio aerial.  It was the only way!

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    Find My Car #auto #shop


    #find a car
    #

    Find My Car

    Tired of searching where you have parked your car?

    Use this app to:

    – remember the GPS position of your car, hotel or any other location (with GPS)

    – show your current position and your car position on the map (or open an external app with the GPS position)

    – use Google Navigation (or an external app) to navigate to your car

    – compass navigation: offline navigation with a compass

    – share your stored positions (or your current position) with your friends

    – take a picture of your parking spot (eg: in underground parking)

    – store as many positions as you want. Use import/export-feature for backup

    – emergency button: send a pre-configured SMS with your current position to a family member to notify them about your whereabouts with only 2 clicks (must be activated in the settings first)

    – Widget: Store your current parking position with one-click (and find it again with 1-click). Attention: DO NOT install the app on your external SD card! The app must be installed on the internal memory, otherwise the widget WON’T work.

    Tip: very useful for hiking to find your car again or to tell your friends where to meet. This app is soo much more than just a simple GPS car-parking app, try it out now, it’s free!

    All features are explained on the help-page (swipe to the left to get there) as well as how the app works! The additional features can be found on the right side (swipe to the right).

    Explanation for the permissions:

    – GPS is of course mandatory for this app

    – The Network-Permission is only needed for the coupon system, Google Ads and the internal map (We do not transfer anything else! We do not collect any personal data like other apps do!)

    – The access for the SD card is only needed to store the pictures you record in this app, as well as for the import/export feature (we do not read any other files!)

    This app has always been a free of charge app and will continue to be so. To finance the development we decided to show a few ads in the app. If you do not like the advertising, you can remove the ads completely by donating 0.99 or 1.21$ (US-Dollar). (An explanation on how to donate can be found in the app)

    Recent changes:

    Update 2.4:

    * update to the new google play services

    Update 2.2:

    * fixed GPS Bug

    Update 2.2:

    * New Widget for One-Click position storing and finding



    My Choice Motors – Used Cars – Posen IL Dealer #auto #circle


    #used cars dealerships
    #

    My Choice Motors – Posen IL, 60469

    Thank you for visiting My Choice Motors of Posen Illinois. My Choice Motors of Posen, Illinois 60469 is a used car dealer that is in the business of offering for sale quality pre-owned cars, SUVS, and trucks both domestic and import in Posen Illinois 60469. Drop by My Choice Motors or call ahead if you would like to schedule an appointment to view our entire inventory or a specific vehicle. Feel free to compare our prices and selection of quality Posen Illinois pre-owned, SUVS, and trucks against the prices of other used automobile dealerships in the Posen Illinois area. Our prices are competitively priced for quality used cars, SUVS, and trucks. Whether you are planning to buy a pre-owned car, SUV, and truck now or will be buying a pre-owned car, SUV, and truck in the future, My Choice Motors of Posen, Illinois 60469 offers for sale an extensive selection of pre-owned cars, SUVS, and trucks at great prices. In addition our quality, sales and satisfied customers prove it! From our convenient location on 3128 W 147th St. Posen, Illinois 60469 we serve Posen, Midlothian, Orland Park, Tinley Park, Hazel Crest, South Holland, Alsip, Chicago, Brookfield, and surrounding areas.

    Let us know how we can assist you with your used car buying experience. Contact us or stop by My Choice Motors today and see for yourself why dealing with us an different way to purchase a pre-owned car, SUV, or truck in Posen Illinois!

    My Choice Motors Posen Used Cars, Auto Financing Lot Serving Blue Island Midlothian

    Thank you for visiting My Choice Motors Used Cars, financing dealer your Posen Used Cars, Auto Financing lot. Serving as an alternate Blue Island, Midlothian dealer, we offer a large selection of Used Cars. Car Loans inventory. You can browse our online inventory for your next used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance. We are your Used Cars, Auto Financing lot in Posen IL as well as many other fantastic Used Cars. Car Loans inventory!

    If you’re looking for Used Cars, Auto Financing lot in Blue Island IL, our dealership in Posen can help. We are proud to serve our community, including Alsip, Bedford Park, Berwyn, Blue Island, Bridgeview, Brookfield, Burbank, Calumet City, Chicago, Chicago Heights, Chicago Ridge, Cicero, Country Club Hills, Crete, Dolton, Dyer, East Chicago, Evergreen Park, Flossmoor, Frankfort, Gary, Glenwood, Griffith, Hammond, Harvey, Hazel Crest, Hickory Hills, Highland, Homer Glen, Hometown, Homewood, Justice, La Grange, Lansing, Lemont, Lyons, Markham, Matteson, Midlothian, Mokena, Monee, Munster, Oak Forest, Oak Lawn, Olympia Fields, Orland Park, Palos Heights, Palos Hills, Palos Park, Park Forest, Posen, Richton Park, Riverdale, Robbins, Schererville, South Holland, Steger, Summit Argo, Thornton, Tinley Park, Whiting, Willow Springs, Willowbrook, Worth. If you’re searching for Used Cars, Auto Financing in Blue Island, or just want to see what Midlothian area Used Cars. Car Loans dealerships have to offer, consider My Choice Motors in Posen. Our selection of popular used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance makes us an excellent choice as a Posen Used Cars, Auto Financing lot.

    We hope that you find our website helpful to your needs. Although My Choice Motors of Posen in IL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Posen area customers, you can research our Used Cars, Auto Financing, Used Cars. Car Loans, used cars for sale, used vehicles, usedcars, pre-owned cars, vehicle financing, auto loans, automobile loans, car finance. Search the extensive inventory of all the My Choice Motors Used Cars, financing that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Car Loans or learn about our Used Cars, financing that we currently have. Give us a call at 708-769-7305.

    Posen Used Cars, Auto Financing | Blue Island IL Used Cars, Auto Financing | Midlothian Used Cars, Auto Financing

    My Choice Motors – Used Cars, Auto Financing Posen, IL



    Used Cars In My Area: Used Cars By Owner: Used Smart Cars #cheap #auto #transport


    #auto for sale by owner
    #

    Used Cars In My Area

    If you are in the market for a new or newer vehicle then you have so many options available. No matter if you favor domestic or imported models of vehicles, there is a vast amount of resources to obtain information about vehicles and where you can purchase them. For some consumers, purchasing a brand new vehicle is strictly out of the question either due to financial restraints or even their location; so inevitably, used cars are the next best thing to purchasing a newer vehicle.

    There can be many advantages to purchasing a used car over a brand new vehicle. You will have to do your research in order to obtain the very best deal around when you are in the market for a newer vehicle. Benefits such as the manufacturer’s or purchasing an extended warranty, as well as additional options that are not included in the base models can help you make your final decision when browsing for a newer vehicle.

    One of the most common choices that a consumer makes when searching for a used vehicle is examining the 3-year lease end models at the local dealership in their area. Having a 3-year lease gives the consumer a chance to see if they wish to purchase the vehicle permanently and if they don’t, they can return it to the dealership to try a newer model or something entirely different. Typically these lease buy-back vehicles have been used as either fleet vehicles, for rental cars or even for someone who has decided not to purchase their brand new vehicle after their lease has terminated.

    When you are deciding on a used car, be sure to take a look at the extended warranty options that are available to you. Most used vehicles will not have much time left on their original manufacturer’s warranty and you may wish to purchase an extended warranty for your own security. For many used cars you will have an individualized warranty that guarantees your purchase from any large defects in the near future, but when looking for long-term security, obtaining an extended warranty may be your best bet.

    If you find that time is against you and it is hard for you to travel from dealership to individual sellers, you can utilize the Internet as your largest resource for seeking out the used vehicle that you need. Being able to browse many websites such as local dealerships or even Ebay for your newer vehicle can help cut down the time you would spend running around in search of the vehicle you want.

    Ebay has been dealing with online vehicle sales for quite some time now, and with fantastic success. Although just as anything you would purchase online, making a large vehicle purchase should be carefully considered. You can obtain information about vehicles both in your area as well as outside your local residence during your search. Depending on how you wish to proceed with the sale, for some, finding a vehicle close to home is the better choice in order to have a mechanical inspection conducted and all the necessary paperwork completed. No matter how you search for and purchase your vehicle, whether you use the Internet or just your local newspaper, be sure to check out all the available options for the best used car for you. Find a “used car in my area” here.

    Copyright © 2015 Used Cars In My Area Sellers ship to many countries and states including: ALABAMA AL ALASKA AK ARIZONA AZ ARKANSAS AR CALIFORNIA CA COLORADO CO CONNECTICUT CT DELAWARE DE DISTRICT OF COLUMBIA DC FLORIDA FL GEORGIA GA GUAM GU HAWAII HI IDAHO ID ILLINOIS IL INDIANA IN IOWA IA KANSAS KS KENTUCKY KY LOUISIANA LA MAINE ME MARYLAND MD MASSACHUSETTS MA MICHIGAN MI MINNESOTA MN MISSISSIPPI MS MISSOURI MO MONTANA MT NEBRASKA NE NEVADA NV NEW HAMPSHIRE NH NEW JERSEY NJ NEW MEXICO NM NEW YORK NY NORTH CAROLINA NC NORTH DAKOTA ND OHIO OH OKLAHOMA OK OREGON OR PENNSYLVANIA PA RHODE ISLAND RI SOUTH CAROLINA SC SOUTH DAKOTA SD TENNESSEE TN TEXAS TX UTAH UT VERMONT VT VIRGINIA VA WASHINGTON WA WEST VIRGINIA WV WISCONSIN WI WYOMING WY Oregon Lawyer Resources