Very Cheap Car Insurance – We – ll Help You Slash The Cost Of Cover, need cheap car insurance.

#Need #cheap #car #insurance



Very Cheap Car Insurance

Need cheap car insurance

AT InsureAnts HQ, we don’t believe in cutting corners. When looking for very cheap car insurance quotes, it can be tempting to go for the bargain basement price. After all, these are tough times and any saving that can be made is crucial.

We know you want to save money on your car insurance, hey, that’s why you’re here, isn’t it? (Yes, I know the ants are pretty cute too). But if you are looking for quality cover that’s cheap as chips, make sure you at least get a bit of ketchup with it too.

Going for the cheapest policy can often be a false economy as you could end up paying more in the long run. Very, very cheap car insurance can often only offer you minimal cover and be quite limited when you need it most.

Cheap car insurance – other ways to cut the costs

Get your motor running

If you have not already bought the car you are insuring, think hard about what to go for. Large 4X4s or sports car can cost you a lot more to cover. The smaller the engine and the more economical the fuel consumption, the better chance you have of getting a great deal.

This doesn’t mean you have to drive a small, one-litre milk cart and be the laughing stock of all your friends. If you do your research, you can strike the right balance between performance and economy.

The excess tightrope

You can increase the excess on your policy to see how much this would save you. But, it is a bit of balancing act. If you go for a bigger excess, you’ll save on your premium, but will pay out far more in the event of a claim.

A lower excess will see you fork out more initially, but will cushion the blow of making an expensive claim.

How many miles?

Get your mileage right when applying for cover. If you only drive 6,000 miles a year, don’t get a quote for driving 10,000 miles. A few thousand miles here or there will make a difference, so be accurate.

Compare, compare, go compare!

Insurers will often throw you out a lazy renewal quote that you’d be mad to accept before comparing the market. You’ll often find your renewal quote can be beaten, and if you go back to your current provider with the raft of great deals our partners can provide you with, you may find that renewal quote magically shrinking.

Safe and saving

Keeping your car safe means you’ll save money – but only if you tell your provider. Keep it in a driveway or garage and if there aren’t already security features on the car, consider getting some fitted – it’ll save you in the long run.

Also, drive safely – a nice, clean driving licence is just what insurers love to see.

So don’t cut corners, get a quote from our selected provider Quotezone and start saving. You can also call a friendly UK-based team provided by Call Connections on 0800 479 2821*.



Do I need a commercial auto insurance policy? #auto #paint #color #chart


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Do I need a commercial auto insurance policy?

As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

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


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

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

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

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

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

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

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

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

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

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

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

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

Who Needs an SSAE 16 (SOC 1 ) Audit?

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

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

What you Need to Know:

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

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

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

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

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

The Networking Email Template That Gets Answers – The Muse #every #work #template #you #ll #ever #need,templates,tools # # #skills,job #search,email,informational #interviews,syndication,featured,networking,communication,the #muse #editor #s #picks


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Introducing: The Email Template That ll Get You a Meeting With Anyone You Ask

I’ve had the best time reading my email lately. Trust me, I know that’s a pretty rare thing to say—it’s just that I’ve been asking tons of awesome people to go on informational interviews with me, and they’ve almost all said yes.

Wondering how to score some sweet informational interviews of your own? I know, asking can be hard—after all, you’re proposing that busy and important strangers take time out of their schedules to meet with you.

Luckily for you, I’ve recently perfected the art of the ask. And since this information is so valuable, I’ll obviously share it. Plus, I’ll explain how to tailor the email to make it your own. Before you know it, you’ll love scrolling through your Gmail as well.

The Template

Dear [first name],

My name is [your name], and I’m a [job title] who works in [your location]. I’m reaching out because [reason why you want to speak with this person]. I’d love to learn more about [two or three things you’d like to learn from the person].

I’m sure you’re busy, so even 20 minutes would be appreciated.

An Example

Here’s what that looks like once you’ve filled it in:

My name is Aja Frost, and I’m a college student who’s interning in the city until mid-August. Your career path is very inspirational to me: I don’t know very many people who have worked in marketing at Google, Facebook, and Apple. As an aspiring marketer, I’d love to learn more about which skills you’ve used the most and what you’d expect from an entry-level employee in your department.

I’m sure you’re busy, so even 20 minutes would be greatly appreciated.

The Breakdown

Let’s do a line-by-line analysis so you can see what each accomplishes.

In the salutation, I like to use the person’s first name. “Dear Jane Doe” or “Dear Ms. Doe” sounds too stilted and formal to me.

The opening line should contextualize your message. Since I’m a student, I have a built-in advantage—professionals are usually pretty open to helping out the young and inexperienced. But, hearing from someone a little higher up can be really flattering, too—so no matter where you are on the corporate ladder, include your job title, employer, and location.

My name is Carrie Smith, and I’m a senior product manager at Unison Healthcare in Tampa, Florida.

The next line should explain why you’re writing to him or her. Go ahead and make it flattering. While I’m not suggesting you lay it on really thick, there’s got to be a reason you chose this specific person, so include it.

I’ve previously said:

“You have my dream job at my dream company. ” and “I was impressed to see the transition you made from finance to content strategy. ”

After that, you’ll want to include some very specific questions. Too many people show up to informational interviews with no idea what to ask, resulting in wasted time for all parties involved. If people see you’ve got a concrete goal for the meeting, they’ll be much more likely to say yes.

I always, always end with the same line: “I’m sure you’re busy, so. ” This statement shows you know you’re requesting a big favor. And just acknowledging that fact improves your chances for success.

The Extra Mile

You should definitely research people before you ask them to interviews. Not only will knowing their backgrounds help during the actual conversation, but you’ll usually find tidbits you can drop into your ask to make it more compelling. After scrolling through a CEO’s recent Twitter history, I found a post raving about a Brooklyn taco spot. When I asked her to meet me, I proposed going to that very taco spot. She agreed with far more enthusiasm than she likely would’ve if I’d asked her to meet at Starbucks.

On a different occasion, I saw a content strategist I was interested in contacting had spoken on a panel about inbound marketing. So in that email, I wrote, “I’d love to learn more about inbound marketing best practices and how to use location-specific strategies.”

By making a little extra effort, your request will be much more impressive.

The Follow-Up

Best case scenario: Your target answers, you make plans to get coffee, and you have an awesome and productive conversation. But what if he or she doesn’t answer? I usually wait a week, then send a follow-up email.

Dear [his or her name],

I hope you’re having a great week! I wanted to follow up on my request for an informational interview. As I explained in my previous email, [reason why this person has impressed you] and I’d love to hear about [questions you’d like to ask]. I’m happy to meet whenever and wherever is convenient for you. However, if your schedule is too full, I completely understand.

You’d be shocked at the number of people who don’t respond to your first query but do get back to you after the second. What I’ve learned from that is that most people aren’t ignoring you, the first email just arrived at an inopportune time to answer and was then forgotten.

However, if you’ve sent the second email and you still hear nothing, move on to your next prospect. There are plenty of people who will talk to you, so don’t spend too much energy chasing down one person.

After you’ve taken my template and made it your own, I’m confident you’ll be going on tons of coffee dates of your own. Good luck!

Photo of woman typing courtesy of Shutterstock .

The Importance of Critical Thinking Skills in Nursing, what skills do nurses need.#What #skills #do #nurses #need


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The Importance of Critical Thinking Skills in Nursing

The nursing profession tends to attract those who have natural nurturing abilities, a desire to help others and a knack for science or anatomy. But there is another important skill that successful nurses share and it s often over-looked: the ability to think critically.

Critical thinking is defined in a number of ways but perhaps it s easiest to comprehend when you understand all that it encompasses. Critical thinking includes identifying a problem, determining the best solution and choosing the most effective method of reaching that solution. After executing the plan, critical thinkers reflect on the situation to figure out if it was effective and if it could have been done better.

As you can see, there s a lot more that goes into critical thinking than one might think. It s a transferrable skill that can be leveraged in several facets of your life. But why is critical thinking in nursing so critical? Keep reading to find out.

Why are critical thinking skills in nursing important?

You ll notice in the list above that critical thinking is embedded in a nurse s everyday routine. You ll learn all sorts of practical skills in nursing school that you ll put to use at the clinic, but without the ability to think clearly and make rational decisions; those skills alone won t get you very far.

You may be able to flawlessly dress a wound, take vitals like a pro or give an IV without flinching, but without the ability to make quick and efficient decisions under pressure, you ll struggle as a nurse, according to LeeAnn Andronico, Rasmussen College nursing program coordinator. Some critical thinking skills come naturally and others can be acquired and developed during nursing school.

How are critical thinking skills acquired in nursing school?

As a future nurse you have probably heard about the intensity of nursing courses, if not yet experienced it firsthand. There is a multitude of material to master and high expectations for your performance. But in order to learn in a way that will actually equip you to become an excellent nurse, you have to go beyond just memorizing terms. Andronico says in reality, the answer won t always be black and white.

Your critical thinking skills will be put to the test during nursing exams. Andronico explains that you ll quickly discover that questions may have multiple right answers though one answer may be the most right for that particular situation. This may sound confusing, but it is intentionally done in order to help prepare you for real-life nursing scenarios. You will often find yourself in situations where there are few correct forms of care, but one that is most appropriate.

How can you develop your critical thinking skills?

When answering questions in class or on exams, challenge yourself to go beyond simply selecting an answer. Start to think about why that answer is correct and what the possible consequences might be. Simply memorizing the material won t translate well into a real-life nursing setting.

“Critical thinking skills apply not only to thinking, but also to reading, writing, speaking and listening.”

Changing your mindset will help you gain the practical knowledge from which you ll draw upon throughout your entire career. Hold on to your past exams, review the answers and reflect on any areas you didn t quite grasp the first time.

Borrowing or purchasing an NCLEX review book is another way you can sharpen your critical thinking skills. Not only are the questions directly related to the career you re pursuing, but the book explains the rationale behind the answers, exposing you to solutions you may not have found on your own.

It s helpful to practice thinking about a problem in a different way or from a new perspective. It sounds silly, but you essentially have to think about thinking! Andronico stresses the importance of spending time developing clear and rational thoughts and surveying all of the evidence available to you before making a decision.

How are critical thinking skills applied in the real world?

Andronico believes the critical thinking skills you acquire in nursing courses and during clinicals will be invaluable throughout your nursing career and the rest of your life. You will inevitably encounter a situation in which there are multiple solutions or treatments and you ll be tasked with determining the solution that will provide the best possible outcome for your patient.

You must be able to quickly and confidently assess situations and make the best care decision in each unique scenario. But critical thinking goes beyond the clinic and is a skill the will be transferable into the rest of your life as well. Your ability to make sound decisions in high pressure situations will surely come in handy at home as well.

Critical thinking skills apply not only to thinking, but also to reading, writing, speaking and listening, Andronico explains. You must be able to translate a thought clearly and accurately, quickly and logically so that others understand what you are saying without any confusion.

Beyond thinking

You re now well aware of the importance of critical thinking skills in nursing. Even if you wouldn t consider yourself a high-caliber critical thinker today, you will surely hone your skills while earning your nursing degree.

*This article was originally published in July 2012 by LeeAnn Andronico. It has since been updated to include information relevant to 2015. Insight included from Andronico was preserved from the original article.

External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

What skills do nurses need

Megan Ruesink

Megan is a freelance writer for Collegis education who writes student-focused articles on behalf of Rasmussen College. She hopes to engage and intrigue current and potential students.

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


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How much deposit do you need for a mortgage?

By Marie Kemplay

In this guide

Put us to the test

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

How much deposit do you need for a mortgage?

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

How much do i need to get a mortgage

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

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

Minimum mortgage deposit

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

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

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

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

Video: how much to save for a mortgage deposit

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

Reasons to save a bigger mortgage deposit

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

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

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

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

Mortgage deposits for the best mortgage deals

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

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

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

How much deposit do I need?

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

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

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

Buying a house: extra costs

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

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

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

Fastest Way to become an RN #become #a #cna, #school, #nursing, #then, #become, #easier, #apply, #2008, #becoming, #thinking, #going, #hopefully, #about, #appreciated, #find, #year, #degree, #better, #fall, #info, #deeply, #would, #transfering, #opinions, #former, #help, #need, #questions, #here, #some, #with, #this, #most, #efficient, #whats, #fastest, #accepted, #fast


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Fastest Way to become an RN

Here are some of my questions I need opinions and Former RN’s to help with this:

1) Is it easier to become a CNA then apply to Nursing school and try to get in?

2) Is it easier to become an LPN then apply to a Nursing school and try to be accepted?

3) Whats the most efficient and fast way of becoming a RN?

I was thinking about going for my CNA in Jan. of 2008 and hopefully transfering to a nursing school in Fall of 2008. Or is it better to go and find a school for a 2 year degree in LPN or RN then becoming an RN? Any info would be deeply appreciated.

A typical student who goes for a BSN in nursing will take 3.5-4 years.

My situations is this, I am in a private university, no such things as a wait list, more expensive. I started in April of this year, 2007, and will be completed and ready for my NCLEX by June 2009. This includes ALL my pre reqs. Had I already had my pre reqs, I could complete our program in 18 months. I will have my ASN, associates of science in nursing, and be an RN, after I pass NCLEX. Now at that point I will be 2 years into schooling and be an RN. I will take my BSN classes online, as my school offers this as well, this will take 1 more year. and in 3 years time I will have my BSN in nursing. WAY Faster then traditional method. PLUS the last year I will be working and making money, and gaining experience while getting my BSN.

Good luck in what you decide to do.

In my opinion, it would be a waste of time to become a CNA, (unless you just want to work in the nursing arena). You still have to take your prerequisite classes, such as, English, Algebra, World history, Anatomy Physiology, Microbiology etc. You have to complete these core classes with satisfactory grades before taking the NET or Nurse Entrance Test. None of the credits from a CNA program will transfer, but some credits from the LPN program does transfer, it depends on your school. Also an LPN is not a degree program, it is a licencse to practice nursing in your state, you receive a diploma or certificate. My advice is to aim for the top, become an RN.

I can reply to this message on a more personal level. I graduated from a four year school Dec 2005. Couldn’t get a job in my field to save my life. I first thought I wanted to be a teacher, but after even struggling with that decision, I decided to pursue nursing which is something I wanted to do while in school the first go around. Getting there was the problem. It was the middle of the Fall 2006 semester when I decided to got to nursing school. I couldn’t apply for admission into a new school until Spring of 07. My crazy self decided that I could go to the community college, become a CNA (which is now a requirement before they’ll even accept you into an ADN program) then start my pre reqs over the summer. I took general psyc over the summer since I got a D on it during my first degree and a D won’t transfer. I’m now at this school that offers an Accelerated BSN program for those with a degree in a field other than nursing. The program will take 13 months to complete. Basically, if I were you and was planning on applying to an ADN program, I would become a CNA first, especially if it’s a requirement. If you’re planning on going to a four year school, I wouldn’t worry about the NA certification because they’ll certify you after a few semesters into the program. It does help to be a CNA because you’d have relevent experience. But if you don’t want to waste the time to become certified, you could be a volunteer. I just started working as a CNA after being certified in March. I work at a teaching hospital which is cool. I just learned that they have a CNA program that allows you get certified in 2 WEEKS. The program I enrolled in at the community college took 2 MONTHS. As far as the whole LPN thing goes, I probably wouldn’t even waste my time. I’ve been doing some research and from what I’ve read less and less hospitals are hiring LPN’s but if you plan to work at maybe a prison, or a rest home then go for it.

A typical student who goes for a BSN in nursing will take 3.5-4 years.

My situations is this, I am in a private university, no such things as a wait list, more expensive. I started in April of this year, 2007, and will be completed and ready for my NCLEX by June 2009. This includes ALL my pre reqs. Had I already had my pre reqs, I could complete our program in 18 months. I will have my ASN, associates of science in nursing, and be an RN, after I pass NCLEX. Now at that point I will be 2 years into schooling and be an RN. I will take my BSN classes online, as my school offers this as well, this will take 1 more year. and in 3 years time I will have my BSN in nursing. WAY Faster then traditional method. PLUS the last year I will be working and making money, and gaining experience while getting my BSN.

Good luck in what you decide to do.

Wow I really like that method. I wish that was available everywhere.

It really depends on the school you go to.

I have heard others on the board state that their school requires you become a CNA first or give you extra points if you do.

Others schools do not care, won’t even ask that on the application so having it is just a big waste of time. They will not give you extra points or any advantage for doing it.

So pick a school out and work on the requirments that the school you want to go to has.

As far as a LPN it will not help you get into RN school. If you go that route you will have to take pre reqs for the LPN program, and then get accepted, and its tough to get into just like the RN programs. Then once in most take a year, and you will get a certificate. Then you will have to go back to CC and take more pre reqs and reapply to an RN bridge program, get accepted and do that before getting a degree, and sitting for the state exam. Its actually a much longer road.

Here are some of my questions I need opinions and Former RN’s to help with this:

1) Is it easier to become a CNA then apply to Nursing school and try to get in?

2) Is it easier to become an LPN then apply to a Nursing school and try to be accepted?

3) Whats the most efficient and fast way of becoming a RN?

I was thinking about going for my CNA in Jan. of 2008 and hopefully transfering to a nursing school in Fall of 2008. Or is it better to go and find a school for a 2 year degree in LPN or RN then becoming an RN? Any info would be deeply appreciated.

how are you doing.

Which university you study?

Posted by: dreamon
Original Content:

A typical student who goes for a BSN in nursing will take 3.5-4 years.

My situations is this, I am in a private university, no such things as a wait list, more expensive. I started in April of this year, 2007, and will be completed and ready for my NCLEX by June 2009. This includes ALL my pre reqs. Had I already had my pre reqs, I could complete our program in 18 months. I will have my ASN, associates of science in nursing, and be an RN, after I pass NCLEX. Now at that point I will be 2 years into schooling and be an RN. I will take my BSN classes online, as my school offers this as well, this will take 1 more year. and in 3 years time I will have my BSN in nursing. WAY Faster then traditional method. PLUS the last year I will be working and making money, and gaining experience while getting my BSN.

Good luck in what you decide to do.

Wow I really like that method. I wish that was available everywhere.

Last edit by Silverdragon102 on Feb 26, ’09. Reason. to tidy up

I know this thread is old but what school was that where you became an rn in 3 years and then took 1 year to have a bsn??Am I correct when I say to become an rn with a bsn it takes 6 years??is that how it works.

Comprehensive – Collision Insurance Coverages, do i need collision coverage.#Do #i #need #collision #coverage


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Comprehensive and Collision Insurance

When you cause an accident, your first concern will probably be how you’ll pay for the other driver’s damage. If you have liability coverage, this will hopefully cover all of those costs. However, if liability is all you have, you could be left with no way to pay for your own damages.

While most states only require you to be covered for injuries or damage you cause to another person, not many states have requirements in place for damages you incur.

Insurance coverage for your car is considered optional and comes mainly in the forms of collision and comprehensive coverages. Based on the coverage, you’ll have protection for damages incurred in a crash or other unforeseen events.

Collision Insurance Coverage

Collision coverage will help pay for repairs to your car (as well as replacement costs, in the event your car is totaled) after:

NOTE: If your car is damaged in a hit-and-run incident, you will generally be covered through collision coverage. However, this may not be the case in no-fault states or other states.

Most car insurance companies do not provide coverage for pets injured in a car accident. However, some car insurance companies do offer coverage for pets as part of collision coverage. Keep in mind that this coverage tends to be limited and often does not meet the veterinary costs you are likely to face if your pet gets hurt in a crash.

Your best option for your pet is purchasing a separate pet insurance policy that will cover veterinary expenses.

Comprehensive Insurance Coverage

Comprehensive coverage will help pay for repairs to your car or replacement of your car after it’s been damaged by events that aren’t accident-related.

Typically, with comprehensive coverage you’ll be covered for damage from the following:

  • Fire.
  • Theft.
  • Vandalism.
  • Falling (missile) objects.
  • Hitting or being hit by an animal including deer, cows, bears, moose and birds.
  • Natural disasters.

Note that not all policies are the same. Before purchasing comprehensive coverage, make sure you know what your comprehensive policy will cover.

Glass Repair and Replacement

Have a crack on your windshield? Glass repair and replacement is typically covered through your comprehensive coverage.

Generally, most car insurance companies will waive your deductible for glass repair if your crack is smaller than a dollar coin. If the crack is larger, your windshield will need to be replaced and you will likely be required to pay your deductible.

Some insurance providers may cover glass repair and replacement differently. For example, a car insurance company may offer glass coverage completely separate from your comprehensive coverage. Contact your agent to learn more.

Shopping for Collision and Comprehensive Coverages

Car insurance companies typically sell collision and comprehensive coverages together. You may find these coverages packaged together as “physical damage coverage.

When you’re shopping around, remember:

Most companies will not allow you to buy collision coverage without buying comprehensive coverage; however, some may offer policies that have comprehensive and not collision coverage.

When shopping for collision and comprehensive coverages, consider whether you need these coverages and how high you want your deductibles to be.

Determining Necessity

Because comprehensive and collision are optional types of car insurance coverage, you should consider some factors before determining whether or not you need to purchase these coverages.

The value of your car is an important consideration when determining whether you need collision and comprehensive coverage. If you car is:

  • Older and/or low-value, it may not be worth purchasing these coverages, since they will only pay up to the estimated fair market value of your car.
  • Newer and/or high-value, having these coverages can save you from paying out significant costs to repair or replace your car (if totaled)*.

* If your car is totaled, your collision and comprehensive insurance will only pay you the estimated fair market value of the vehicle. If you have a loan or lease, consider gap coverage, which will pay the difference between your how much you owe and the car’s cash value.

You should also consider what you put your car through on a daily basis. For example, if you drive a lot of miles, or if you park your car in a location that is especially susceptible to theft or vandalism, you might want to have comprehensive coverage.

NOTE: While these coverages are not mandatory in any state, they are generally required as part of a car loan or lease agreement.

Choosing Your Deductibles

A deductible is the amount towards a claim that you are responsible for out of pocket before your insurance pays out. Collision and comprehensive insurance coverages require you to pay a deductible whenever you make a claim towards either coverage.

Insurance companies often offer different set options for how high your deductible is.

Choosing a higher deductible lowers your premium.

Keep in mind, however, that a high deductible means you are paying more out of pocket towards a claim. If you choose a high deductible in order to save money on your premium, make sure you have enough money saved to pay your deductible when you need your insurance.

Simply meeting your state’s car insurance requirements may not provide you with enough protection. When comparing car insurance quotes, consider carefully how much coverage you need and whether collision and comprehensive coverages are right for you.

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The 7 Must Have Auto Body Tools You Need #auto #movers


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When getting started with auto body repair, let s face it you need some auto body tools.

You may be a hobbyist or you may be looking into auto body as a new money making venture for yourself

Whatever the case is, if you want to paint a car and start doing up your projects, you need to start building your tool chest.

Today we re talking about the 7 most common auto body and paint tools that you ll probably end up needing in the near future if you already don t have them.

Here s a List of The Most Common Auto Body Tools That You ll Need To Get Started in Auto Body and Paint

1. Air Compressor

If you re serious about painting cars or bikes, then you ll want an air compressor that will last you the years to come.

I recommend picking up a 240V 60 gallon with a 5-7 HP setup.

(See detailed post on the best size air compressor you need here).

It s perfect for painting a car, or a large van and will power all of your air tools with ease. It s a workhorse that you ll be proud you bought. Bigger is better when it comes to compressors.

If you want something small and only plan on painting touch ups and motorcycles then a 25-35 gallon air compressor will work for you.

SIDE NOTE. You can and I have painted a full car with a smaller 30 gallon tank. You just need to keep your eyes and ears on the pressure fluctuation and adjust accordingly while your painting I don t recommended it,  but it can be done.

2. HVLP Spray Gun

You need a spray gun to paint correct?

I get asked all the time Tony what kind of gun should I get? I always reply with get what you can afford? . If you can afford a $600. SATA, then get it. It will definitely show a difference when laying your paint.

Just remember that you don t need the BEST gun when getting started. When I first started painting, I started with a $100. Astro spray gun.

I don t even think it was a HVLP. But I painted for at least a year or two with that gun. As you get better, increase the quality of your gun. You ll start to notice that your paint jobs start to come out better and better.

In closing, get what you can afford. If I had to recommend a good starting spray gun it would be a Warwick. Check out our reviews on them here. For $150 $250 you can get a great starting gun. (See a complete video and run down on automotive spray guns here).

3. Dual Action Sander

Now, This is not really a MUST-HAVE, but will save you a TON of time with basic sanding and body filler shaping.

Get one if you can afford it. They cost anywhere from $50. $175. (see a complete post on Dual Action sanders here).

I show you exactly how you can use one of these to cut some MAJOR time off of your body work and sanding times. Don t worry, all of these strategies are located in our VIP course and you can learn more about that here.   Let s get you on the FAST track to repairing and refinishing your project!

4. Slide Hammer/ Stud Welder

If you re planing on repairing some form of dents and pulling out panels then one of these is a must.

You can go with a cheaper version and get a basic slide hammer which uses screws and hook adapters to pull out dents.

Or your other option is to invest in a electric style stud welder.

When they first came out you d see them selling for $350. $450. Nowadays you can pick them up for under $190. Not bad!

If on a budget, don t count out local swap meets or local online classifieds to find great used tools. I ve had many VIP members score compressors and a ton of auto body and paint tools from craigslist.com and other popular classifieds online for fractions of what it may have cost if they had bought them new.

If you re not sure how to use one of these, don t worry because we have step-by-step videos in our VIP area that will walk you through the entire process and show you how to use these same tools with maximum results and success.

Yes, we also show you insider sneaky tips and tricks that only auto body pros know about

5. Autobody Hammer and Dolly Set

Ready to whip panels back into shape? Ready to be the real deal with the steel?

Then get yourself a nice autobody hammer and dolly set. You ll need em. Expect this set to cost anywhere from $30 up to $150 for a brand name set like Eastwood.

This is a set that you ll probably buy once in your life. I still have and use my fathers originals. If you get the wooden handle kind, the handles are the only part that you d end up replacing over the years.

6. Autobody Sanding Blocks

We all need a sanding block. My favorite is the Holy Block (picture below) they work really well for me. Wet or dry, you re good to go.

Durablock is another great brand with all types of shapes.

Sanding blocks ate crucial when doing autobody repair. You need them when color sanding and buffing. You need them for shaping body filler and you need them to help to cut high spots and to find low spots in your bodywork.

Auto body blocks are a must-have in the tool box and there affordable.

7. Body Filler/ Bondo Spreader and Putty Knives

Putty knives or Bondo spreaders are used to mix body filler aka (Bondo ). You can get them in metal or plastic.

I used to like the metal ones because they d last longer. When they get caked up with filler you can clean them fairly easily with your DA sander or on a wire wheel.

What I don t like about metal putty knives is, once your finished applying your filler, you need to clean them right away. If you don t, it s a little harder to clean than the plastic type.

With the plastic applicators, after your finished spreading your filler, you can basically leave the Bondo on it. After it hardens, you can easily peal it off and you re ready for mixing and application.

That s why I rather use the plastic ones now days. Below you ll see both types of applicators. Metal and plastic.

PHEW . That was a lot of information!

Now, don t get me wrong.

You can do bodywork without a few of these tools such as the DA sander and Hammer set but you ll be very limited on what you can repair.

And over time, you ll probably end up adding more tools to your man cave, but for now I really think these 7 tools above are the basics and essential for completing some awesome auto body repair and paint jobs.

Auto body tool links

-Car Lift

-Spot Welder

-Mini Frame Machine

I hope you enjoyed this post and I hope that it was VERY helpful for you and gave you an idea of what you can build up to. A home garage can be an awesome place to hang out

Want to learn more? Experience our VIP program today   Check this link out here   to see why THOUSANDS of VIP members are raving about our awesome Auto Body VIP course and private community support. It s all Risk-Free and 100% Guaranteed.

The Best Used Cars For Every Need #used #honda #accord


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The Best Used Cars For Every Need

Drop-top, band van, luxury wheels, or basic transportation: There are great used cars of every stripe out there, but you’ve got to be careful. So we asked some pro mechanics what they would buy. (And if you are going to buy one, first use PopMech’s Used Car Checklist app. a 101-point inspection guide.)

The Best Used Cars For Every Need

The Best Used Cars For Every Need

There have never been more reliably-made cars across the board than in the last decade. It’s one reason (besides the recession) why Americans are keeping their cars longer. Still that doesn’t mean every used car on the road with 100,000 miles is created equally. (Unfortunately, when excitement goes up, reliability often ebbs. You can’t get a Ferrari to be as trouble-free as a Civic. Sorry, that’s life.)

Note: As for what to buy for your kid, multiple mechanics agree: don’t. “Don’t ever buy a car for your kid,” says Scott Wands, who owns Champagne Service in Seattle. “You want them to have some skin in the game”—that way they’ll take better care of what they drive. Karabec agrees. While it’s hard to convince a kid to drive cheap, reliable, sexless transportation, it’s easer to coax them into such a ride if they’re the ones paying for the maintenance.

The Things You Should Know If You – re Interested in Becoming a Psychiatrist #what #degree #do #you #need #to #be #a #psychiatrist


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The Things You Should Know If You’re Interested in Becoming a Psychiatrist

A psychiatrist, similar to a psychologist, deals with mental disorders and treating them. However, they have a distinct difference — psychiatrists are more affiliated with medicine. That means they focus more on studying, diagnosing, treating, and preventing mental disorders from a medical standpoint, rather than studying the patient and their behavior due to the disorder. So before you take a step into the world of a psychiatrist, you should make sure it is really what you want to do.

Will I like Psychiatry?

Are you able to listen to other people speaking, genuinely being able to take all the information given to you and respond appropriately? If your answer is no, psychiatry probably isn’t right for you. But if you believe you are capable to listening to a patient for up to an hour at a time without being judgmental, you may have what it takes to be a psychiatrist. And if you enjoy doing it, then that is even better. Here are some questions to ask yourself before getting started in psychiatry:

• Do you like being in one on one situations rather than being in a group?
• Do you like letting other people lead conversations?
• Can you maintain composure under stress or duress?
• Do you like having people place their trust in you?
• Are you a patient person? If not, you may find being a psychiatrist to be one of the harder jobs you will face.
• Are you interested in the human mind and the various affects medication has in restoring or repairing it to its optimum form?
• Are you interested in learning more about mental disorders such as schizophrenia or PTSD?
• Are you good at memorizing? Do you like to diagnose problems?

These are some of the things to keep in mind before you decide to go into psychiatry. And while these introspective questions may not be extensive, they are some key indicators in telling whether you will be interested in the field before you jump right into it.

What does it take to become a Psychiatrist?

The road to becoming a licensed psychiatrist is long one, but if you love the field and want to help people with mental ailments, it is well worth the time and effort needed. First off, you must have your bachelor’s degree. Some students choose to major in psychology, but there are many other social sciences or life sciences that will be equally useful. You could do sociology or health science if you are more interested in the “people” aspect, or you can go into physiology or biology if you are into the medical aspect. However, no matter which one you choose, it is important to get some pre-med experience throughout your journey. Once you are prepared, you can take your MCATs in order to apply for medical school once you obtain your undergraduate degree.

Upon entering medical school, you can expect to find a similar environment from your undergraduate experience – basically just taking science classes in order to expand your knowledge in the field of medicine. However, after two years, you can expect to start shadowing doctors, psychiatrists, or other health care professionals in order to finish your medical school training. This second part of medical school is called rotations. All in all, you can expect medical school to last four years. Before graduating, you will need to apply for residency in some psychiatric facility in order to finalize your psychiatrist licensing.

Your residency will take you an extra four years but will develop your skills using on-the-job training. You will work with mentors and other residents in rotations in order to get hands on experience in all fields of psychiatry, including research and diagnosis. You will also receive clinical training in order to further expand your knowledge of psychiatric medical treatments. Overall, your time in your residency should be a rewarding and enriching experience, if you take it in the right place. Choosing the perfect place to do your residency is another topic of its own, and should be thoroughly researched before committing to one.

Finally, after you go through your undergraduate program, medical school, and residency, you must pass your state’s board exam in order to be licensed. From there you can become certified with the American Board of Psychiatry and Neurology and get started with helping people get their lives in order.

What is being a psychiatrist like at medical center?

If you want to be a psychiatrist at a private practice, then your days are very much like that of a psychologist or a private doctor — it will be a lot of one-on-one interaction with your clients and you will go home in the afternoon. But if you want to practice psychiatry at a medical center or hospital, here is what you should expect:

As a psychiatrist at a medical center or hospital, you can expect to start your days at any given time depending on your rotation. On your shifts, you will have your interns going over the events of the previous shift to catch you up (this is something you should be familiar with my now since you went through your residency). From there, you pick and choose between all the patients, deciding which ones need to stay and get inpatient care, and which ones just need to go home with a prescription. Some may just need a follow up with a different specialist, such as a neurologist.

Your days will be filled with listening to the interpretations of patient stories through the mouths of your interns – in some cases you will listen to the patients if the interns have trouble finding a trigger for a psychiatric break, but know there is something wrong with the patient. During this time, you will also be responsible for training the interns by questioning everything they do, and explaining anything that you do.

If you are interested in becoming a psychiatrist, you now have all the information you need in order to reach your goals. While it may take a long time, it may be worth it if you like to help others improve their lives by conquering their mental demons. As a psychiatrist you will be learning, studying, diagnosing, and treating mental disorders from a medical standpoint in order to enrich the lives of your patients. If that sounds like you, then psychiatry is your calling.

What You Need For A Car Insurance Quote – Why # #car #insurance, #car, #quote, #questions, #need


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What You Need For A Car Insurance Quote

Online Car Insurance Quoting Questions: What You Need and Why

Quote shopping for car insurance may seem complex; but in reality, it’s simple when you break it down. Insurance companies need specific information to provide an accurate quote.

Understanding what details you must have at your fingertips, and why car insurance companies ask those questions, will simplify the process.

Questions About Your Vehicle

How many miles do you drive each day?

Car insurance companies want to know how far you drive on a daily basis, because the more you drive, the greater your chance of getting into an accident. When you’re at a high risk for accidents, you pose a higher risk to the insurance company, so you’ll likely pay higher premiums.

Do you own your car outright?

If you lease a car or have a lien against it, you may be required to hold both comprehensive and collision insurance in addition to the state-required liability coverage.

Also, you may be a good candidate for gap insurance. which will cover the difference between how much you owe and the car’s current value in the event that it gets totaled.

Do you use the car for business?

A car used for business might require commercial insurance, so you may be redirected to get a commercial car insurance quote.

Is your vehicle equipped with safety and anti-theft devices?

Certain safety and anti-theft add-ons can reduce the premium for your insurance because they reduce your risk of both theft and injury. When going through the quote process, be prepared to provide specifics about these features in each of your vehicles to help you get a lower rate.

How many cars are you insuring?

The company will need to know how many vehicles you’re insuring so they can give you an accurate estimate. Also, insuring multiple vehicles can get you a discount on your respective rates. Note that there may be a maximum number of vehicles per policy.

How many licensed drivers are in your household?

Everyone you live with theoretically has access to your car, so your insurance company considers the other drivers a rating factor.

Do you wish to exclude any drivers?

If you live with someone who has a bad driving record, excluding them from your policy can help reduce the cost. However, if there’s any chance this driver will use your vehicle, this is not recommended. Also, some states prohibit drivers from making exclusions.

Does your vehicle carry a salvage title?

Many insurance companies will not cover vehicles with salvage titles until full repairs are complete.

Questions About Driving and Insurance History

How many violations and tickets are on your record?

Insurance companies base your premium rates on how much risk they absorb by insuring you. Your driving record indicates the level of risk you pose, by showing them your accident and violation history. On average, the company will only be interested in violations from the last 3-5 years.

Who is your current insurance company?

Your current carrier may affect your rate. Some insurance companies only provide policies to drivers with clean records and good credit. If your current insurance company is considered a high-risk company, you may be quoted a higher premium because you would be considered a high-risk driver. Conversely, if your current provider insures primarily low-risk drivers, you may get a better rate.

Additionally, coverage gaps are another risk indicator, so if you’re currently uninsured, this may affect your premium as well.

When does your current policy expire?

Some companies view early shopping as an indicator of responsibility. So if you are shopping for insurance early (e.g. 7 days or more before your policy’s expiration date), you might be eligible for a discount.

What is your birth date?

Young drivers/drivers with no or few years of experience are at higher risk for accidents and so pay higher premiums.

What is your gender?

Gender also factors into the risk equation. Women have fewer accidents on the whole and generally pay less than their male counterparts.

Are you married?

Married drivers tend to get lower rates because the insurance companies view married drivers as more responsible and less likely to get into accidents. You may also qualify for a discount if you’re in a registered domestic partnership.

What is your Social Security number?

Your SSN is used to pull your driving record in order to determine your risk. Depending on your state, your credit may also be pulled. Do note that when an insurance company views your credit history, it is considered a “soft hit” and does not affect your score.

Do you own a home?

Homeowners are considered more responsible by car insurance companies and often get lower rates as a result. You may also be eligible for a discount if you bundle your homeowner’s insurance and your car insurance. Homeowners may also want to consider higher liability limits to protect their assets.

What do you do for a living?

Certain professions are associated with lower accident rates, and vice versa. For this reason, your job can actually affect your quote.

How Many Quotes Should You Obtain?

The more quotes you acquire, the better your odds of finding an affordable rate that meets your needs. The difference between looking 1 quote and 3 quotes could be several hundred dollars in insurance premium savings.

It’s important to remember that different car insurance companies will weight certain factors differently. For example, one company might give more consideration to your profession than another company. For this reason, it’s important to look at multiple companies.

Thanks to the Internet, it’s much easier to shop for insurance than it used to be. You can easily compare insurance rates online from multiple providers, without spending a lot of time.

You Have a Structured Settlement and Need Cash Now? #i #have #a #structured #settlement #and #i #need #cash


► Воспроизвести все

You Have a Structured Settlement and Need Cash Now?

Structured Settlement Watchdog®, John Darer® tackles, exposes and provides critical commentary on controversial topics, including questionable business conduct related to buying structured settlement payment rights, otherwise known as the structured settlement secondary market, an under regulated marketplace controlled by unlicensed individuals.

Some companies in the structured settlement secondary market ( a/k/a factoring industry, or settlement purchasing industry) have employed high pressure predatory sales tactics to raid large structured settlement annuities designed to provide a lifetime of income, provide financial security and medical care for personal injury victims and wrongful death survivors. Instead of these settlement buyers providing needed liquidity to annuitants in times of hardship, these companies target people with large structured settlement annuities and shop for courts and judges they know will rubber stamp petitions that don’t meet the best interest standard required under state and federal law.

As celebrated United Supreme Court Justice Louis Brandeis (1856-1941) once said Sunlight is The Best of Disinfectants

Structured Settlement Watchdog®, John Darer® tackles, exposes and provides critical commentary on controversial topics, including questionable business conduct related to buying structured settlement payment rights, otherwise known as the structu. ещё

Everything you need for Used Car lots and New Car Dealerships. #auto #loan #refinance


#auto dealer supplies
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Auto Dealer Business Forms Auto Dealer Key Tags Auto Dealer License Plate Frames Inserts Auto Dealer Flags Auto Dealer Pennants

Auto Dealer Numbers Auto Dealer Sign Supplies Car Lot Number Signs Misc. Car Lot Auto Dealer Supplies Auto Dealer Car Lot Lockout Kits

Auto Dealer Car Lot Antenna Flags Auto Dealer Car Lot Clip-on Flags Auto Dealer Car Lot Stock Tags Auto Dealer Car Lot Giant Bows

Auto Dealer Car Lot Snow Rakes Auto Dealer Car Lot Key Boards Auto Dealer Car Lot Paint Markers Auto Dealer Car Lot Hang-Tags

Auto Dealer Car Lot Big-Easy Tool Auto Dealer Plate Magnets Rubbers Auto Dealer Service Dept Seat Covers Car Lot Flags, Banners Pennants

Auto Dealer Lube Shop Static Oil Stickers Auto Dealer Service Dept Key Rings Auto Dealer Service Dept Steering Wheel Covers

Accelerated Nursing programs in Georgia #programs, #soon, #year, #georgia, #start, #want, #nursing, #possible, #school, #thanks, #cost, #irrespective, #information, #about, #know, #anyone, #need, #this, #accelerated, #please, #does


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Accelerated Nursing programs in Georgia – page 2

Hello Nkoli,
These bad schools are still running their programs with the problems they have. I was lucky to find out early before paying any money to them. Right now i am schooling in a community college. One of the schools is on Fairground street in cobb county, can’t remember the name, the other is World Outreach. with 2 branches, one in Atlanta and the other on Austell rd, cobb county. Maybe they have fixed whatever the problems were but i am not ready for risks.

Hello Nkoli,
These bad schools are still running their programs with the problems they have. I was lucky to find out early before paying any money to them. Right now i am schooling in a community college. One of the schools is on Fairground street in cobb county, can’t remember the name, the other is World Outreach. with 2 branches, one in Atlanta and the other on Austell rd, cobb county. Maybe they have fixed whatever the problems were but i am not ready for risks.

Thanks Dinma. do you know the address of the World Outreach or their website.

Hello Nkoli,
These bad schools are still running their programs with the problems they have. I was lucky to find out early before paying any money to them. Right now i am schooling in a community college. One of the schools is on Fairground street in cobb county, can’t remember the name, the other is World Outreach. with 2 branches, one in Atlanta and the other on Austell rd, cobb county. Maybe they have fixed whatever the problems were but i am not ready for risks.

I asked my friend. we know about the school on fairground street. it’s bad. we haven’t heard of world outreach. The school my friend is thinking about going to says tht clinicals are done in jamaica. have you heard of any schools like that in atl? my friend says she found out about the school from her cousin in decatur. it just seems really wierd that someone would study here and then go all way to jamaica for clincial. anyway, let me know if you know of any of those schools.

World Outreach Medical Institute is affiliated to a school in Jamaica, another one in downtown Atlanta is also affiliated to a school in Jamaica. I have concluded that it is better to go to a regular school and do all the pre-reqs and get an admission for Nursing. I am doing the pre-reqs and they are not as bad as i thought, i am actually acing them, tell your friend to give it a try instead of losing money with such private schools.

World Outreach Medical Institute is affiliated to a school in Jamaica, another one in downtown Atlanta is also affiliated to a school in Jamaica. I have concluded that it is better to go to a regular school and do all the pre-reqs and get an admission for Nursing. I am doing the pre-reqs and they are not as bad as i thought, i am actually acing them, tell your friend to give it a try instead of losing money with such private schools.

I called Work Outreach and they said they are not affiliated to any school in Jamaica. How do you know that they are? What is the name of the school downtown?

What You Need To Know About A Short Term, 3 Month Car Lease #auto #air #filters


#short term auto lease
#

What You Need To Know About A Short Term, 3 Month Car Lease

People choose to lease a car for many reasons, such as traveling for work or for personal use. If you need a car short-term, such as a 3 month car lease, there are several things to consider.

Short term car lease offers can be hard to come by, generally a dealer will prefer to lease a car for a standard lease term of 24 month or more. Because of this, any available short-term lease deals will usually have much higher monthly costs when compared to a typical lease.

Here are a few things to know about short-term leases and lease take overs. Keep the following in mind, should you lease a new car and want to transfer the lease to another person:

  • Leasing a car for shorter periods of time, such as a 3 month lease, most often means you’ll end up renting – which can be more costly versus a long-term lease. It may work out cheaper to just lease a car for a standard lease term, find out what deals are available in your area by requesting your free, no obligation lease price quote .
  • A lease takeover or assumption means you’ll assume complete responsibility for monthly payments – driving the car for the rest of the lease term and returning it to the dealership/financing agency. Often this is not a favorable deal, because the monthly payments will be too expensive.
  • The downside to assuming a lease is that the car you’re leasing is no longer brand new. Depending on the driving habits of the previous driver, you could end up with a poorly maintained car – possibly even paying extra for wear and tear, or mileage fees at the end of the lease term.

  • 3 Month Lease Deals are Hard To Come By- Find Standard Lease Deals Near You!

    • The first thing to do is determine the type of car that will meet your needs and priorities. By evaluating what is most important to you in a car, you’ll be able to select the style to best meet your needs.
  • Request a free, no obligation lease price quote to see the short-term lease specials being offered by local dealerships. You will be able to see which dealerships in your area will offer you special incentives on standard leases that could work out cheaper than a 3 month lease.
  • Think about the total leasing costs for the lease term. Estimate anticipated gas mileage, insurance and leasing fees. Evaluate the rates for different classes of cars – it’s possibly a different class will give you a lower overall cost.
  • Request a free new car lease quote now to find the best lease deals in your area, you’ll be surprised at the offers that could work out to being better than a 3 month leasing offer. Learn everything you need to know, so you can negotiate with confidence for the best car lease price possible.

    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.

    Do You Need Auto Repair Insurance? #auto #insurance #rates


    #auto repair insurance
    #

    Do You Need Auto Repair Insurance?

    October 10th, 2011

    Auto repair insurance is different from other insurance types because it does not require that your car is damaged in a collision, or as a result of a natural disaster or vandalism. It basically covers the natural wear and tear on your car — mechanical failures, any problems not caused by an accident. Vehicles can simply break down without any direct cause. These repairs can nevertheless be extremely costly. Auto repair insurance helps protect you against owing a big lump sum. It is important to note, CoverHound does not offer auto repair insurance.

    Some drivers opt for car repair insurance instead of extending the warranty on their car. For some, this is a less expensive way of covering their vehicles. Most vehicle warranties expire after three or four years. A cynic could assert that warranties traditionally last this long because that’s when cars tend to break down.

    Auto repair insurance is often broken down into sub-categories as well. Standard repair insurance generally covers the wear and tear on your car plus breakdowns. But some companies only offer breakdown coverage, meaning they will only cover repairs brought about by breakable parts.

    Clearly it’s best to be armed with knowledge when you start out looking for auto repair insurance. Ask your general car insurance provider whether your comprehensive coverage covers repairs outside the scope of accidents or natural disasters. Chances are it doesn’t. Then look in to your car’s warranty. If it’s still good, your car’s wear and tear and general breakdown should be covered. If you’re looking to forgo a warranty but still want to protect against have to shell out a large sum of money in the case of your car’s non-accident-related breakdown, auto repair insurance may make sense. But you’d have to round up the numbers and do a cost comparison.

    Car repair insurance is a good weigh to spread apart the cost of upkeep on your vehicle. You’ll avoid writing a big check one day, but writing small checks for the coverage each month.

    SOS – What do I need to sell my car by myself? #auto #loan #amortization


    #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.

    Everything you need for Used Car lots and New Car Dealerships. #auto #amortization #schedule


    #auto dealer supplies
    #

    Auto Dealer Business Forms Auto Dealer Key Tags Auto Dealer License Plate Frames Inserts Auto Dealer Flags Auto Dealer Pennants

    Auto Dealer Numbers Auto Dealer Sign Supplies Car Lot Number Signs Misc. Car Lot Auto Dealer Supplies Auto Dealer Car Lot Lockout Kits

    Auto Dealer Car Lot Antenna Flags Auto Dealer Car Lot Clip-on Flags Auto Dealer Car Lot Stock Tags Auto Dealer Car Lot Giant Bows

    Auto Dealer Car Lot Snow Rakes Auto Dealer Car Lot Key Boards Auto Dealer Car Lot Paint Markers Auto Dealer Car Lot Hang-Tags

    Auto Dealer Car Lot Big-Easy Tool Auto Dealer Plate Magnets Rubbers Auto Dealer Service Dept Seat Covers Car Lot Flags, Banners Pennants

    Auto Dealer Lube Shop Static Oil Stickers Auto Dealer Service Dept Key Rings Auto Dealer Service Dept Steering Wheel Covers

    Do You Need Auto Repair Insurance? #auto #seller


    #auto repair insurance
    #

    Do You Need Auto Repair Insurance?

    October 10th, 2011

    Auto repair insurance is different from other insurance types because it does not require that your car is damaged in a collision, or as a result of a natural disaster or vandalism. It basically covers the natural wear and tear on your car — mechanical failures, any problems not caused by an accident. Vehicles can simply break down without any direct cause. These repairs can nevertheless be extremely costly. Auto repair insurance helps protect you against owing a big lump sum. It is important to note, CoverHound does not offer auto repair insurance.

    Some drivers opt for car repair insurance instead of extending the warranty on their car. For some, this is a less expensive way of covering their vehicles. Most vehicle warranties expire after three or four years. A cynic could assert that warranties traditionally last this long because that’s when cars tend to break down.

    Auto repair insurance is often broken down into sub-categories as well. Standard repair insurance generally covers the wear and tear on your car plus breakdowns. But some companies only offer breakdown coverage, meaning they will only cover repairs brought about by breakable parts.

    Clearly it’s best to be armed with knowledge when you start out looking for auto repair insurance. Ask your general car insurance provider whether your comprehensive coverage covers repairs outside the scope of accidents or natural disasters. Chances are it doesn’t. Then look in to your car’s warranty. If it’s still good, your car’s wear and tear and general breakdown should be covered. If you’re looking to forgo a warranty but still want to protect against have to shell out a large sum of money in the case of your car’s non-accident-related breakdown, auto repair insurance may make sense. But you’d have to round up the numbers and do a cost comparison.

    Car repair insurance is a good weigh to spread apart the cost of upkeep on your vehicle. You’ll avoid writing a big check one day, but writing small checks for the coverage each month.

    Do I need a commercial auto insurance policy? #used #autos


    #commercial auto insurance
    #

    Do I need a commercial auto insurance policy?

    As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

    Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

    While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

    If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

    What You Need To Know About A Short Term, 3 Month Car Lease #auto #insurance #company


    #short term auto lease
    #

    What You Need To Know About A Short Term, 3 Month Car Lease

    People choose to lease a car for many reasons, such as traveling for work or for personal use. If you need a car short-term, such as a 3 month car lease, there are several things to consider.

    Short term car lease offers can be hard to come by, generally a dealer will prefer to lease a car for a standard lease term of 24 month or more. Because of this, any available short-term lease deals will usually have much higher monthly costs when compared to a typical lease.

    Here are a few things to know about short-term leases and lease take overs. Keep the following in mind, should you lease a new car and want to transfer the lease to another person:

    • Leasing a car for shorter periods of time, such as a 3 month lease, most often means you’ll end up renting – which can be more costly versus a long-term lease. It may work out cheaper to just lease a car for a standard lease term, find out what deals are available in your area by requesting your free, no obligation lease price quote .
  • A lease takeover or assumption means you’ll assume complete responsibility for monthly payments – driving the car for the rest of the lease term and returning it to the dealership/financing agency. Often this is not a favorable deal, because the monthly payments will be too expensive.
  • The downside to assuming a lease is that the car you’re leasing is no longer brand new. Depending on the driving habits of the previous driver, you could end up with a poorly maintained car – possibly even paying extra for wear and tear, or mileage fees at the end of the lease term.

  • 3 Month Lease Deals are Hard To Come By- Find Standard Lease Deals Near You!

    • The first thing to do is determine the type of car that will meet your needs and priorities. By evaluating what is most important to you in a car, you’ll be able to select the style to best meet your needs.
  • Request a free, no obligation lease price quote to see the short-term lease specials being offered by local dealerships. You will be able to see which dealerships in your area will offer you special incentives on standard leases that could work out cheaper than a 3 month lease.
  • Think about the total leasing costs for the lease term. Estimate anticipated gas mileage, insurance and leasing fees. Evaluate the rates for different classes of cars – it’s possibly a different class will give you a lower overall cost.
  • Request a free new car lease quote now to find the best lease deals in your area, you’ll be surprised at the offers that could work out to being better than a 3 month leasing offer. Learn everything you need to know, so you can negotiate with confidence for the best car lease price possible.

    Amtrak Auto Train Schedule: All You Need to Know #used #auto #glass


    #auto train
    #

    Auto Train

    More Auto Train Information

    Amtrak Auto Train Schedule: All You Need to Know

    Are you looking for the Amtrak Auto Train schedule? Look no further. Not only will we give you the Auto Train schedule, but we are going to provide you with secret insider tips that you cannot get on the Amtrak website.

    Amazing Fact: Auto Train Schedule Never Changes

    Remarkably, the Amtrak Auto Train schedule almost never changes: it has been this way for many years.

    If you are travelling south to Florida, then the Auto Train leaves Lorton, Virginia every day at 4:00 PM, sharp. Because you are transporting an auto, and because you are one of many, the boarding process is more complicated than if you were just a foot passenger. 3:00 PM is the absolute last boarding time for your vehicle. Because Amtrak Auto Train also accepts unusual vehicles like motorcycles and oversized vehicles like RVs and trailers, 2:00 PM is the cutoff time for boarding these vehicles.

    This schedule happens every day like clockwork. Railfans, snowbirds, and others who make this yearly trek to Florida and back can recite the Auto Train schedule by heart. After all, it is quite simple. Amtrak calls their southbound train number 53. Then, 855 miles later, after a restful sleep and a hearty breakfast in the dining car, you arrive in Sanford, Florida at 9:30 AM.

    Coming back north, the Auto Train schedule from Sanford, Florida to Lorton, Virginia is the same thing. Board oversized vehicles by 2:00 PM; board conventional vehicles by 3:00 PM; and at 4:00 PM, as you are settling into a table in the dining car for a lively game of cards with fellow passengers, the train begins rolling northbound.

    Auto Train Insider Tips

    When Amtrak lists a boarding time on their schedule for Auto Train, they mean it. Because of the complexity of dealing with different vehicles and passenger temperaments, the boarding process is slow. If you arrive even five minutes after your stated boarding time, Amtrak is not obligated to honor your ticket. So, arrive early. Remove any items that you will want from your vehicle prior to boarding; once onboard, you will not be able to access the vehicle.

    It doesn’t get much easier than that. In this day and age of complicated airline schedules, with planes leaving at any time of day or night 24 hours a day, seven days a week, the stability of the Amtrak Auto Train schedule can be comforting.

    And two more insider tips. First, even though Amtrak’s Auto Train schedule is rather rigid, do take the time to confirm these times at Amtrak’s website (www.amtrak.com ). Secondly, Auto Train is a fun experience, and a nice way to beat the Eastern Seaboard traffic. But for true auto transport, seek out a qualified truck-based auto shipper. It’s cheaper, faster, and less troublesome.

    Everything you need for Used Car lots and New Car Dealerships. #auto #transport #reviews


    #auto dealer supplies
    #

    Auto Dealer Business Forms Auto Dealer Key Tags Auto Dealer License Plate Frames Inserts Auto Dealer Flags Auto Dealer Pennants

    Auto Dealer Numbers Auto Dealer Sign Supplies Car Lot Number Signs Misc. Car Lot Auto Dealer Supplies Auto Dealer Car Lot Lockout Kits

    Auto Dealer Car Lot Antenna Flags Auto Dealer Car Lot Clip-on Flags Auto Dealer Car Lot Stock Tags Auto Dealer Car Lot Giant Bows

    Auto Dealer Car Lot Snow Rakes Auto Dealer Car Lot Key Boards Auto Dealer Car Lot Paint Markers Auto Dealer Car Lot Hang-Tags

    Auto Dealer Car Lot Big-Easy Tool Auto Dealer Plate Magnets Rubbers Auto Dealer Service Dept Seat Covers Car Lot Flags, Banners Pennants

    Auto Dealer Lube Shop Static Oil Stickers Auto Dealer Service Dept Key Rings Auto Dealer Service Dept Steering Wheel Covers

    SOS – What do I need to sell my car by myself? #extended #auto #warranty


    #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.

    Do I need a commercial auto insurance policy? #auto #paint #shop


    #commercial auto insurance
    #

    Do I need a commercial auto insurance policy?

    As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

    Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

    While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

    If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

    What You Need to Know Before You Get an Auto Loan


    #best auto loans
    #

    Before You Get an Auto Loan

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    For a successful auto purchase, you ve got to get several things right: choose the right car, get a good price, and fund the purchase in the most affordable way. If you re going to borrow for your auto purchase, it pays to know how to get a great auto loan .

    Continue Reading Below

    Plus, when it s time to make a deal, you ll be ready — and you ll be on the road that much more quickly.

    Key to a Great Auto Loan #1: Manage Your Credit

    One of the first things you should do before applying for an auto loan is review your credit. All US consumers are entitled to a free credit report under federal law, so exercise your rights. Make sure that your credit looks as good as it possibly can — it will affect the interest rate you get, and therefore your monthly payments. Find out if there’s anything on your reports that needs fixing.

    Key to a Great Auto Loan #2: Know How Much You Can Spend

    Diligent budgeters already know this, but most people don t put enough thought into it before it s too late. Get a clear idea of how much you can spend (down payment and monthly payments) before you start looking at cars. If you fall in love with a vehicle before you know whether or not it s in your budget, some salespeople can make it appear as if the car is affordable with fancy math and long term loans .

    Continue Reading Below

    In reality, you ll end up with a loan that costs too much and that you ll be stuck with for years.

    Key to a Great Auto Loan #3: Look at the Big Picture

    The terms of your auto loan will determine how much you pay now and how much the auto loan costs overall. Remember that a low cost now may not mean low total costs for you in the big picture.

    For example, most borrowers choose a low down payment because it’s easy to manage today. However, that choice increases the total cost of your auto loan and usually leaves you ‘upside-down’ (meaning you owe more on the vehicle than it’s worth) for years to come.

    Figure out exactly what your loan will look like — month by month — by running your loan details through a loan amortization calculator. You ll learn how much you re spending on interest and how much you ll still owe on any given date in the future.

    Key to a Great Auto Loan #4: Consider Insurance

    When you ask various lenders what they’ll offer you, you may find that you need insurance to get the best auto loans. I’m referring to disability insurance and life insurance at this point. The lender is concerned that something could happen to you and you won’t be able to pay them back.

    Having insurance might not be a requirement, but it might be helpful to have the details of any coverage you have available. Even knowing that you have coverage (even if you don t know how much) can be helpful in moving your purchase along.

    Key to a Great Auto Loan #5: Shop Around

    This is simple but it is often overlooked. The most important point here is that you don’t have to get your auto loan from the dealership. Check with a credit union. bank, online lender, or P2P lending source. In most cases your car dealer won’t have the best auto loan (but in some cases the dealer s offer can t be beat). By consulting with an alternate lender before stepping onto the lot, you’ll be armed with knowledge of what’s available to you — and that gives you bargaining power.

    Things change in life and flexibility is important. Your auto loan should also be flexible. Find a lender that will allow you to make extra payments or pay off the loan entirely without any penalties. It’s important to read the fine print – some penalties aren’t called “penalties”.