News Overview

#line #of #business #insurance


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News Overview

The Communications and Press Relations Branch oversees all media relations for the California Department of Insurance and keeps the public informed of the latest news from the Department. Media representatives interested in information about CDI or obtaining interviews should call 916-492-3566. Media-only inquiries after business hours should call Nancy Kincaid at 916-599-1320.

Communications Press Relations Branch
California Department of Insurance
300 Capitol Mall, Suite 1700
Sacramento, CA 95814
916-492-3566
916-445-5276 FAX

Twitter

Receive helpful tips and news from the CDI’s Twitter account .

E-Mail Subscriptions

The Department provides a free e-mail Subscription service. Sign up now to receive notices of press releases and updates to many other documents. You determine what notices you wish to receive when you sign up for the service.

Sign up for free e-mail subscription service

Press Releases

The Department periodically releases statements and other information to the media. This section catalogs what has been released.

Bulletins

The California Department of Insurance periodically releases bulletins as a helpful resource to the public.

Studies, Reports Publications

The California Department of Insurance periodically releases various studies and reports helpful to consumers and industry.

Google™ Translation Disclaimer

This Google™ translation feature is provided for informational purposes only.

The Department of Insurance is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information resulting from the translation application tool.

The Departmenf of Insurance is also unable to guarantee the same page layout for all the languages. Depending on the languages, the page layout may look strange from the original.

Please consult with a translator for accuracy if you are relying on the translation or are using this site for official business.

A copy of this disclaimer can also be found on our Disclaimer page.

Select a Language Below / Seleccione el Idioma Abajo


Best Natural Deodorants for Men, list of deodorants.

#List #of #deodorants


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Best Natural Deodorants for Men

List of deodorants

Body odor is completely natural. Sure, some men have stronger natural scents than others, but at the end of the day, everyone battles body odor on a daily basis.

Most men have been using the same deodorant to combat their body odor since their pre-teens. While that may have been perfect for combating sweat in your middle school gym class, why not turn to a deodorant that is actually good, and good for you? Luckily, there are plenty of natural options out that provide great alternatives to chemical-ridden deodorants.

Whether you re living an all-natural lifestyle or you re just looking out for your body, you ll find solace in the one of these deodorants. We tested them to ensure they are made from healthy ingredients, prevent odors, and don t stain those precious white shirts.

Without further ado, here are the 5 best natural deodorants we ve found:

1. Native Deodorant

Here at AskMen, we see a lot (a lot!) of grooming products slide across our desks. So when we say we are head over heels for a product, you know that the product has faced stiff competition. Cue Native Deodorant, a natural deodorant brand that offers up the four key components of a killer deodorant: it lasts all day (tried and true!), boasts a great scent, is completely free of toxins, and doesn t stain shirts.

The light, fresh scents are equally suited for the modern gentleman and the eco-warrior. Pick from Unscented, Eucalyptus and Mint, or our favorite scent here at AskMen, Citrus and Herbal Musk a woodsy, spicy scent.

EDIT: The folks at Native Deodorant are offering AskMen readers a 10% discount on any purchase over $15 just use the coupon code ASKMEN10.

2. Tom Ford Private Blend Neroli Portofino

A great smelling deodorant is all well and good, but in reality, what we really need is a deodorant that not only smells fresh but smells fresh all day long. Carefully crafted with a blend of citrus oils, the deodorant spawning of one of Tom Ford s most-loved fragrances (and the man is really good at fragrance) draws inspiration from the sunny, sparkling seas of Neroli Portofino to create a light, crisp scented deodorant. With the same presentation-worthy, blue-and-gold packaging of the Eau du Cologne, the easy roll-on format can be tossed in a gym bag or briefcase so you can reapply pre-date night or post-gym.

3. Men s Natural Stick Deodorant

While most deodorant sticks smell decent, Real Purity s signature deodorant stick not only has the easy, roll-on application of that deodorant you ve been using since you were 14, but it has the the sultry, spicy scent of a luxury cologne. Truly all natural, Real Purity uses the essential oils of bergamot, cinnamon, and ginger to give off its darker, spicy scent notes, while using beeswax and jojoba esters to keep your skin free of that sticky residue feeling and those dreaded yellow pit stains.

4. Organic 101 Cedarwood Spice Extra-Strength Deodorant

While many brands boast a natural or organic label, a quick look at the ingredient list will usually find a few chemicals thrown into the formula that aren t exactly organic. That s why Organic 101 has paired with the USDA to certify that every ingredient comes from an actually organic source. It s formulated without propylene glycol, triclosan, alcohol, aluminum, parabens, talc, or anything else you wouldn t want to rub all over your body, and not only are the ingredients thoughtfully chosen, but the deodorant does a great job doing what a deodorant should do. Organic 101 s deodorant keeps odors at bay throughout the day and keeps pits free of yellow sweat stains or any irritation.

5. Zak Body Care Aluminum and Paraben Free Deodorant

List of deodorants

A great smelling deodorant is all well and good, but in reality, what we really need is a deodorant that not only smells fresh but smells fresh all day long. Yes, there may be a few deodorants that leave you smelling fresh when you first step out of your bathroom, but what good is that if you stink up the office? Boasting all-day protection against unwanted scents and smells, Zak uses 100% plant-sourced oils and ingredients to neutralize odors. Concocted with the use of antioxidants, the deodorant soothes your skin, and leaves it nourished and free of any redness or irritation (key for folks with sensitive skin!). One of our favorite parts of this deodorant is the rich, woodsy scent. Unlike the lab-made scent of most off-the-shelf deodorants, the scent of Scotch pine, fir balsam, and vetiver are produced by using essential oils.


2017 The Hartford Review

#list #of #auto #insurance #companies #in #florida


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The Hartford Review

Ease of New Policy Purchase

The Hartford boasts an impressive suite of online tools to assist new customers in shopping for and beginning a new auto insurance policy. The company makes it very simple to get an instant online quote and even offers a tool to help you select the right levels of coverage for your situation. After customizing your levels of coverage and receiving your instant quote, customers can purchase a policy online and print insurance cards instantly. Many competitors offer similar tools, but The Hartford auto insurance stands out by offering every one of these important features.

Diverse Policy Offerings

Policy offerings are a critical element of evaluating an insurance company and thanks to its broad list of coverages and policy types, The Hartford auto insurance is an industry leader. The company offers standard bodily injury and property liability coverages as well as non-owned or rental car insurance. In states where it is allowed, The Hartford also offers a number of options to stack liability and uninsured motorist coverage.

Excellent Claims Management

No one looks forward to filing an insurance claim, but if the need arises, convenience can make an enormous difference. The Hartford auto insurance has created an excellent claims process that allows customers to file 24/7 by phone, agent, online, or via a mobile app. Unlike some competitors, the company does not impose restrictions on where you can have your vehicle fixed and it has a resource for repair facility recommendations. Once a claim has been filed, it can be easily tracked online, through the mobile app, or by calling the claims center at any time.

Rock-Solid Support

The Hartford is regarded by many as a company that cares about its customers and that reputation is well-earned. The company has robust support features available, ranging from traditional telephone support to more modern email and social media options. It s also one of only a handful of auto insurance companies to offer real-time online chat to customers navigating the quote process.

Useful Policy Benefits

In addition to The Hartford s broad range of standard coverages, customers may also elect to receive a wide range of additional features. Frequent travelers will appreciate the company s roadside assistance and towing programs. Other accident-related benefits include rental car or public transportation reimbursement and dedicated medical payment coverage. If you re seriously injured and unable to meet basic obligations, the company will even cover assistance with shopping, gardening and certain home maintenance.

The Bad

Minimal Learning Materials

The Hartford falls well behind competing companies with its very limited online learning resources. Despite the company s excellent customer support features, it offers very little to new buyers wanting to learn more about the insurance process. FAQs and a limited selection of video tutorials outlining insurance types can be found on The Hartford s website and those materials are somewhat helpful. However, many other companies offer knowledge bases and glossaries that can assist customers in better understanding the various terms and decision factors that pertain to the insurance-buying process. The Hartford auto insurance misses the boat in this category and, in doing so, probably loses the interest of first-time or inexperienced auto insurance buyers.

The Details

Financial Strength


ACE HARDWARE OF SANTA FE – Benjamin Moore Paint Store – SANTA FE, NM 87505

#ace #hardware #of #santa #fe, #santa #fe #benjamin #moore #paint #store, #benjamin #moore #in #santa #fe, #santa #fe #nm #paint, #paint #in #santa #fe #nm


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WHY CHOOSE BENJAMIN MOORE PAINTS?

SUPERIOR QUALITY AND PERFORMANCE:

The better the resins (binders that make the film and finish of paints) and colorants (the pigments that give the paint its unique color and hiding characteristics) the better quality and performance. Easy to apply products with coverage that saves time and money. Low odor products without that lingering paint smell. Paint that is durable, washable and scrub-able to keep walls in mint condition. Color that unfailingly delivers “oohs” and “aahs”

SUPPORT AND INSPIRATION

Our independent retailers provide inspiration and support along with service and tools that give customers confidence about their product choices, color selections, and their ability to get the best results possible. The expertise, product wisdom, and store environment of our independent retailers ensure that you get the right product, right color, and right result.

WORKING SMART AND GREEN

We’re committed to developing products that minimize our impact on the environment. Years before government requirements, we eliminated lead, formaldehyde, and mercury from our paints and met VOC standards.


Nursing, Mercy College, mercy school of nursing charlotte nc.

#Mercy #school #of #nursing #charlotte #nc


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B.S. in Nursing

School of Health and Natural Sciences

  1. Home
  2. Academics
  3. Degrees Programs
  4. Nursing
  • Nursing B.S.

Nursing B.S. Curriculum

General Education Courses Specifically Required by the Nursing Program:

  • BIOL 117
  • BIOL 130/130A
  • BIOL 131/131A
  • CHEM 160/160A
  • MATH 116
  • MATH 117
  • PSYN 101
  • PSYN 233
  • SOCL 101
  • Pre-requisites or the major and must be used to fulfill general requirements

Students who choose the generic nursing major must complete all of the following lower and upper division nursing courses. Thirty credits must be completed in the major at Mercy College.

Lower Division Nursing Courses

  • BIOL 265 Microbiology Lecture
  • BIOL 265A Microbiology Lab
  • NURS 200 Fundamentals of Nursing
  • NURS 220 Pharmacology for Nurses
  • NURS 225 Pediatric Parent Child Nursing
  • NURS 240 Medical Surgical Nursing I
  • NURS 241 Medical Surgical Nursing II
  • NURS 250 Psychiatric and Mental Health Nursing
  • NURS 367 Path/Clinic Reasoning Nursing
  • NURS 368B Health Assessment and Health Promotion

Upper Division Nursing Courses

  • NURS 361 Contmp Topics Prof Nursing
  • NURS 363 Nurs Resrch Evdnc Bsd Prof Nur
  • NURS 364 Nursing Informatics
  • NURS 365 Intro to Health Policy
  • NURS 366 Leadership Management
  • NURS 371 Statistics for Nurses
  • NURS 401 Community Health Nursing: Advocacy for Public Health
  1. Admission to Mercy College does not guarantee progression into the nursing program
  2. A maximum of seventy students will be accepted conditionally per year
  3. Admission Criteria for conditional acceptance into the Nursing Major requires the following:
    1. Maximum High School GPA of 85%
    2. High School Science and Math grades B or higher

II. Full Acceptance – to be fully accepted as a BS in Nursing major the following conditions must be met:

  1. A grade of B- or better in all science courses and a minimum overall GPA of 2.67 is required to be considered for acceptance into the Nursing major
  2. Achieve a passing score on the Nursing Entrance Exam in the Spring Semester of Freshman Year
  3. Accepted students will be subject to background checks and may be required to undergo drug testing

Students are required to achieve a B- or better in all nursing and science courses and maintain an overall GPA of 2.67 or higher. Students will not progress to the next level of the program if they do not meet the above criteria.

Organization of the Program

This program has been designed for the full-time student. Courses are scheduled for a combination of evenings and days. A variety of schedule patterns and teaching and learning community methods are utilized. Nursing courses are offered at the Dobbs Ferry campus only. Upon acceptance to the nursing major, the student will be assigned an academic advisor from the nursing faculty.

  1. Applications to the Generic BS in Nursing program are accepted once a year in the Fall. Application for Fall Semester entry will be accepted up until February 1st of the year the student plans to starting nursing courses in September.
  2. Upon review of the standard Mercy College application, qualified applicants will be conditionally accepted into the Generic BS in Nursing major.
  3. Qualified applicants will be admitted to the nursing major based upon available space in clinical nursing courses at the time of projected student’s eligibility.

HealthCare Interactive Online Dementia Care Training and Certification Programs

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Innovative. Engaging. Practical and Helpful!

These are some of the comments that we hear again and again about our online, video-based dementia care training programs. HealthCare Interactive offers a variety of engaging media products about caring for someone with memory loss, Alzheimer’s disease, or dementia.

We have products designed for professional caregivers as well as separate products geared for family members who are caring for a loved one at home.

Our CARES ® Dementia Basics & Advanced Care ™ program was developed in conjunction with the Alzheimer’s Association, the world’s leading voluntary health organization in Alzheimer’s care, support, and research. It qualifies users for essentiALZ ® certificate and is recommended by the Centers for Medicare and Medicaid Services (CMS). Learn more about these products by clicking either category above.

The Savvy Caregiver ™ Program for family caregivers was developed in conjunction with researchers from the University of Minnesota and Emory University and is recommended by the U.S. Administration on Community Services.

1997- 2012 HealthCare Interactive, Inc. All Rights Reserved.


Connecticut Law About Medical Malpractice

#malpractice, #medical #malpractice, #physician, #standard #of #care


#Research guides prepared by the Connecticut Judicial Branch law librarians:

  • Medical Malpractice (pdf)
    Section 1: Good Faith Certificate
    Section 2: Automatic Ninety-Day Extension of Statute of Limitations
    Section 3: Elements of a Medical Malpractice Action
    Section 4: Defenses

Publications from the Connecticut Judicial Branch:

Public Act 07-25 – An Act Concerning Medical Malpractice Data Regarding Medical Professionals. (Effective October 1, 2007)

Connecticut General Statutes

  • Sec. 52-184b. Failure to bill and advance payments inadmissible in malpractice cases.
  • Sec. 52-184d. Inadmissibility of apology made by health care provider to alleged victim of unanticipated outcome of medical care.
  • Sec. 52-190a. Prior reasonable inquiry and certificate of good faith required in negligence action against health care provider.
  • Sec. 52-184c. Standard of care in negligence action against health care provider. Qualifications of expert witness.
  • Sec. 52-251c. Limitation on attorney contingency fees in personal injury, wrongful death and property damage actions.
  • Sec. 52-555. Actions for injuries resulting in death.
  • Sec. 52-584. Limitation of action for injury to person or property caused by negligence, misconduct or malpractice.

Click on the link below to search the full-text of the statutes: http://search.cga.state.ct.us/dtsearch_pub_statutes.html


What is a bond? definition and meaning

#definition #of #bond


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  • A written and signed promise to pay a certain sum of money on a certain date, or on fulfillment of a specified condition. All documented contracts and loan agreements are bonds.
  • Construction: A three-party contract (variously called bid bond. performance bond. or surety bond) in which one party (the surety, usually a bank or insurance company) gives a guaranty to a contractor’s customer (obligee) that the contractor (obligor) will fulfill all the conditions of the contract entered into with the obligee. If the obligor fails to perform according to the terms of the contract, the surety pays a sum (agreed upon in the contract and called liquidated damages) to the customer as compensation.

    A surety bond is not an insurance policy and, if cashed by the obligee, its amount is recovered by the surety from the obligor.

    The issuer (company, government. municipality) pledges to pay the loan principal (par value of the bond) to the bondholder on a fixed date (maturity date) as well as a fixed rate of interest for the life of the bond.

    Alternatively, some bonds are sold at a price lower than their par value in lieu of the periodic interest. On maturity the full par value is paid to the bondholder. Bonds are issued in multiples of $1,000, usually for periods of five to twenty years, but some government bonds are issued for only 90 days. Most bonds are negotiable. and are freely traded over stock exchanges. Their market price depends mainly on the rating awarded by bond rating agencies on the basis of issuer’s reputation and financial strength.

    Investment in bonds offers two advantages: (1) known amount of interest income and, unlike other securities. (2) considerable pressure on the company to pay because the penalties for default are drastic. The major disadvantage is that the amount of income is fixed and may be eroded by inflation. Companies use bonds to finance acquisitions or capital investments. Governments use bonds to keep their election promises, fund long-term capital projects, or to raise money for special situations, such as natural calamities or war.

  • Commerce: A bank guaranty posted by an importer for an immediate release of landed goods (with total value not exceeding the amount of bank guaranty) without payment of customs duties and taxes. The bond allows a fixed period during which the importer must submit the required documents and pay the assessed duties and taxes.

    • The woman was looking for the bond that the man had signed, stating that she would be paid the agreed upon amount by the following day.
    • When my grandmother bought me an investment bond for one dollar I bet she didn’t think it would be worth a thousand dollars thirty years later.
    • Oliver had a history with the construction crew and trusted them completely, but the company CFO still insisted on a bank-issued bond to guarantee project completion.
    investment strategy

  • Philosophy Pages

    #philosophy, #philosopher, #philosophical, #study, #on-line, #academic, #undergraduate, #education, #history #of #philosophy, #ancient #philosophy, #modern #philosophy, #contemporary #philosophy, #logic, #ethics


    #

    Philosophy Pages

    . from Garth Kemerling

    This site offers helpful information for students of the Western philosophical tradition. The elements you will find on this site include: The Dictionary of Philosophical Terms and Names. A survey of the History of Western Philosophy. A Timeline for the intellectual figures discussed here. Detailed discussion of several major Philosophers Summary treatment of the elementary principles of Logic A generic Study Guide for students of philosophy. Links to other philosophy Sites on the Internet. A simple menu appears at the top of each page of this site, and since all of these documents are heavily interlinked with each other, it should be easy to pursue alternate paths through their content. Material from other Internet sites will always appear in a different browser window, so you won’t lose your place in Philosophy Pages .

    Visitors are welcome to browse and to make fair use of the copyrighted text found on these pages. When in doubt about the appropriateness of a contemplated use, please apply the principles stated in Peter Suber’s excellent comments on copyright. If you quote anything directly in another setting, please include a complete citation in an appropriate form, and remember to check out the academic credentials of the author.

    1997, 2011 Garth Kemerling.
    Last modified 19 July 2012.
    Questions, comments, and suggestions may be sent to: the Contact Page..


    The University of Alabama – Tuscaloosa – The Princeton Review College Rankings – Reviews

    #university #of #alabama #acceptance #rate


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    The University of Alabama – Tuscaloosa

    Students Say

    Students here are “extremely friendly” and “usually well-dressed and wellmannered.” “People tend to be a bit conservative,” and “a lot are religious.” “The typical student is active in a few organizations, makes decent grades, and finds time to relax, too.” African American students are the largest minority group. They represent more than 10 percent of the student body. Some students maintain that UA is “not diverse socially, ideologically, and culturally.” “The different ethnic groups stick together,” they say. They look around campus and see “frat boys or sorority girls for the most part”—”same hair, same sunglasses with a string on the back, and stupid visors.” Other students vigorously disagree. “We truly aren’t a university filled with cookie-cutter people,” asserts one student. “There are many diverse groups of students who all have their own roles on campus.” “It is easy for someone to come from up north and say this campus is full of close-minded Southern Baptist Republicans, just like it is easy for someone to come from a small town…and think this campus is full of liberal heathens,” points out another student. “Few people are really atypical, because no matter where you fall in any category, there are people around you who you can connect with.”

    Overview

    Campus Life

    Undergrads living on campus

    Help finding off-campus housing

    First-Year Students living on campus

    Housing Options

    Apartment Single Disabled Student Dorms Coed Dorms Female

    Dorms Male Frat Sorority International Student Other Theme Housing

    Students Say

    “An atmosphere of almost antebellum charm” permeates this “pretty” campus. “On sunny days in the fall and spring, students enjoy studying and playing on the quad.” Recreational facilities are “excellent.” “Life during football season revolves around football.” So does morale. Win or lose, though, UA boasts “one of the best college football atmospheres in the country. On Saturdays when the Crimson Tide plays at home, the campus is “a sea of tents for tailgating,” “and Alabama fans are singing the fight song.” Otherwise, “the Greek organizations rule this campus.” They wield “an inordinate amount of power” in student government as well. Whether you pledge or not, though, students promise “an outstanding social atmosphere.” “While not everyone participates in the party scene on campus, it is very popular.” In addition to the house parties and the festivities at the frat houses, “people enjoying going to the bars on the strip.” “Comfort” abounds in surrounding Tuscaloosa, and it is “definitely a college town.” People are “very open and courteous” to the students, and virtually everything you need is within “walking distance.” When students at UA hanker for more urban environs, “Birmingham is only an hour away, and there is plenty to do there.”

    Special Needs Admissions

    Program / Service Name

    Documentation Requred for LD

    Narrative report from appropriate professional which must include results of tests measuring aptitude, achievement. Also, history of disability, past accommodations. All reports must demonstrate a substantial limitation to a major life activity as a result of the condition. Rationale for any recommended accommodations must be included, using test results to support the need. Complete requirements can be found at www.ods.ua.edu.

    Documentation Requred for ADHD

    Narrative report from appropriate professional which must include results of tests measuring aptitude, achievement. Also, history of disability, past accommodations. All reports must demonstrate a substantial limitation to a major life activity as a result of the condition. Rationale for any recommended accommodations must be included, using test results to support the need. Complete requirements can be found at www.ods.ua.edu.

    Special Need Services Offered

    Most Popular Places On Campus

    Ferguson Center Student Union
    Amelia Gayle Gorgas Library
    Bryant-Denny Stadium
    Malone-Hood Plaza/Foster Auditorium
    Museum of Natural History
    Bama Dining offers a wide variety of dining options ranging from all-you-can-eat buffets to coffee shops in venues located across campus. Residence halls also provide many housing options and activities for students. A sample room is available for students to visit while on campus.

    Most Popular Places Off Campus

    “The Strip” shops and restaurants adjacent to campus
    Midtown Shopping Center
    Downtown Northport & Tuscaloosa Shops and Restaurants
    Tuscaloosa Amphitheatre
    Lake Tuscaloosa
    Located on the Black Warrior River, Tuscaloosa is a multi-cultural city that offers a wide range of ethnic foods and restaurants, concerts, theater and outdoor activities on the river and nearby Lake Tuscaloosa.

    Campus Tours

    Transportation

    Types of Transportation Available to Campus

    The Birmingham airport is a on-hour drive from campus. There is a ScuttleShuttle available from the airport to five locations and there are prices for individuals and groups. Book and pay online at scuttleshuttle.com. Rental cars are available at the airport. There is also a smaller airport (Van de Graff Field) in Tuscaloosa not serviced by commercial airlines. Amtrak train service is available to Tuscaloosa from New York and New Orleans. The Tuscaloosa Metro System furnishes the Tuscaloosa Trolley that services all of Tuscaloosa with a whimsical flare. The University also has its transit system, the CrimsonRide, which will meet your needs for any on-campus transportation.

    Driving Instructions to Campus

    I-20/59 is the main highway into Tuscaloosa. Take the McFarland Blvd. exit (#73) from I-20/59, turning onto McFarland Blvd. — a right turn if you are coming from Birmingham. Stay on McFarland Blvd. and take University Blvd. exit turning right onto University Blvd. The Rose Administration Building will be on the left as you enter the heart of campus.

    For convenience, you can t do better than the on-campus Hotel Capstone, 320 Paul W. Bryant Dr. 800-477-2262 or http://www.hotelcapstone.com, whose moderate price includes passes to the health club and use of tennis courts. A number of Tuscaloosa motels are within a 10 minute drive including the Hampton Inn on Harper Lee and the Holiday Inn Express on Veterans Memorial Parkway as well as three new hotels in downtown Tuscaloosa (Embassy Suites and Home 2 Suites both on University Blvd) and Hotel Indigo on Greensboro Avenue. America s Best Value Inn, 3501 McFarland Blvd. 205-556-7950) is also inexpensive and has a pool. It is about 15 minutes away. A Best Western, 1780 McFarland Blvd. NE, 205-759-2511, is about 10 minutes away. It is inexpensive and has a pool. There is also a Hilton Garden Inn and Courtyard by Marriott just off I20/59 at exit 71A. Tuscaloosa Convention Visitors Bureau website has an updated listing of local hotels http://visittuscaloosa.com

    In The News

    Productive Preparation

    We know that great scores take work. That’s why we design our courses to be efficient, targeted and strategic so you make the most of every minute you spend prepping.

    Quality Content Delivery

    Our experts know how to design lessons based on how you’re learning. That means we don’t just record classroom lessons and put them in our Self-Paced prep we design lessons FOR Self-Paced.

    Engaging Teachers

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    Better Scores

    We guarantee you’ll get higher scores and have an exceptional test prep experience. If you don’t, we’ll refund your tuition or let you prep again for free.


    IT, Communication and New Media, Bachelor, bachelor of communication.

    #Bachelor #of #communication


    #

    IT, Communication and New Media, Bachelor

    Bachelor of communication

    IT, Communication and New Media

    Internet, Mobilkommunikation, Digitalt TV, Facebook, YouTube – er områder i rivende udvikling. Hvis du vil lære, hvad der sker bag kulissen , og hvordan de nye teknologier kan bidrage til at imødekomme brugerbehov og skabe nye forretningsmuligheder, kan ingeniøruddannelsen i IT, Communication and New Media (It, kommunikations- og medieteknologi/ITCOM) på Aalborg Universitet København være noget for dig.

    Vi har i dag adgang til information og kommunikation ligegyldigt hvor vi befinder os. Hvad enten vi er hjemme, p arbejde eller undervejs, er vi p . Computere og mobiltelefoner bliver hurtigere og kraftigere, og vi har adgang til tr dl se og faste forbindelser med h j kvalitet. Nye intelligente tjenester, som vi tidligere kun kunne dr mme om, bliver mulige.

    V lger du at uddanne dig i IT, Communication and New Media, kan du v re med til at opdyrke de mange nye muligheder, og du vil f en meget attraktiv kompetenceprofil.

    Du f r mulighed for at arbejde med de avancerede kommunikationsteknologier og applikationer, som er grundlaget for fremtidens Internet, mobiltelefoner og broadcast platforme (radio TV). Du opn r en dybtg ende forst else af teknologierne og deres potentiale og du l rer at oms tte denne viden til innovative tjenester, applikationer og l sninger, der retter sig mod konkrete behov i hverdagen.

    Desuden l rer du ogs at forst de sociale, markedsm ssige og etiske rammer for teknologiernes anvendelse, og vi bringer dig p forkant med den seneste udvikling i et globalt perspektiv.

    Uddannelsen er tv rfaglig og udbydes p engelsk. Den tv rfaglige profil adresserer det stigende behov for ingeni rer, som kan kombinere viden fra forskellige fagomr der. Du vil derfor kunne bruge dine kompetencer til konkret udvikling af nye koncepter, tjenester og l sninger i en forretningsm ssig sammenh ng.

    Du l rer bl.a. om

    • Nye mobile netv rksteknologier
    • Udvikling af mobile applikationer
    • Brugervenlige l sninger og tjenester
    • konomi og forretningsudvikling
    • Brug af IKT i virksomheder og organisationer

    N r du er f rdig med din bacheloruddannelse, har du mulighed for at l se videre p en kandidatuddannelse og blive fx civilingeni r.

    Rusten i matematikken?

    Vi anbefaler kraftigt, at du genopfrisker matematik p A-niveau inden studiestart p en teknisk- eller naturvidenskabelig uddannelse, hvis du har karakterer p 7 eller mindre i matematik fra din gymnasieuddannelse og/eller hvis din gymnasieuddannelse er et r gammel eller mere.

    Opfylder du ikke adgangskravene til den ingeni ruddannelse, du gerne vil begynde p ? S har du muligheden for at tage p Adgangskursus og blive klar. L s mere p : www.ak.aau.dk.

    Bachelor of communication


    Doctor of Business Administration

    #doctor #of #business #administration #california


    #

    Florida Tech Doctor of Business Administration

    Comprehensive Advanced Expertise and Business Discipline Specializations

    The DBA program, a Florida Institute of Technology (FIT) doctoral business degree, is a professional degree that prepares students with the advanced knowledge necessary to manage complex corporate environments. Our DBA provides expert education for professionals with at least five years of managerial experience interested in becoming leaders in business, government, education, healthcare and non-profit industries. Students in the DBA program apply theory, advanced research skills, and an understanding of the challenges facing the public and private business sectors to develop their skills.

    With a focus on strategic planning, organizational behavior, human resource management, financial management, innovation and entrepreneurship, quantitative research, and more the DBA is the ultimate business degree. The program is offered in Huntsville, Alabama through the FIT Huntsville location, the Southern Maryland Higher Education Center in California, Maryland and on the university s main campus in Melbourne, Florida.

    What To Expect

    Through the application of theory, use of advanced research skills and an understanding of the complex challenges that exist in the public and private business sector, students earning a doctor of business administration develop important skills in strategic planning, organizational behavior, human resources management, financial management, innovation and entrepreneurship, quantitative research and more.

    Doctor of business administration students are often working professionals who have already attained experience and valuable insight in an administrative business career. Florida Tech’s small class size allows specialized, one-on-one attention from professors as well as an opportunity for students to exchange knowledge with fellow colleagues, building a network of business professionals for the future.

    Cohort Program Supports Peer-to-Peer Learning

    Included in the doctor of business administration degree curriculum is a three-year cohort program that meets each semester for collaborative learning. In the final year, students complete an intense research component. Hands-on experience plays an important role in an education at Florida Tech and cohort programs provide unparalleled learning experiences from professors working in the field.

    The value of a doctor of business administration is also seen in the career choices available to students, who can choose any number of business disciplines or industries in which to concentrate. The program strengthens research skills and challenges students to solve complex problems spanning multiple business disciplines and tackle real-world issues on a global scale. Professors utilize in their curriculum the best practices found in today’s corporate environments.

    Dissertation

    The DBA program culminates in the formation of a dissertation. Once core business classes are completed, students have the chance to enhance their body of knowledge on any business relevant subject that most interests them and aligns with their career goals.

    Careers

    Students easily see the value of a doctor of business administration degree when they discover the employers who are likely to hire them. AuthenTec, Modus Operandi, Symantec, Siemens Energy, NASA, Lockheed Martin Space Systems and Scottrade have hired graduates of Florida Tech. Common career paths for DBAs are senior managerial consultants, chief executive officers, operations managers and business training professionals.


    8 important characteristics of Insurance, coverage characteristics of auto insurance.

    #Coverage #characteristics #of #auto #insurance


    8 important characteristics of Insurance

    The insurance has the following characteristics which are, generally, observed in case of life, marine, fire and general insurances.

    Insurance is a device to share the financial losses which might befall on an individual or his family on the happening of a specified event. The event may be death of a bread-winner to the family in the case of life insurance, marine-perils in marine insurance, fire in fire insurance and other certain events in general insurance, e.g., theft in burglary insurance, accident in motor insurance, etc. The loss arising nom these events if insured are shared by all the insured in the form of premium.

    The most important feature of every insurance plan is the co-operation of large number of persons who, in effect, agree to share the financial loss arising due to a particular risk which is insured. Such a group of persons may be brought together voluntarily or through publicity or through solicitation of the agents.

    An insurer would be unable to compensate all the losses from his own capital. So, by insuring or underwriting a large number of persons, he is able to pay the amount of loss. Like all co­operative devices, there is no compulsion here on anybody to purchase the insurance policy.

    The risk is evaluated before insuring to charge the amount of share of an insured, herein called, consideration or premium. There are several methods of evaluation of risks. If there is expectation of more loss, higher premium may be charged. So, the probability of loss is calculated at the time of insurance.

    The payment is made at a certain contingency insured. If the contingency occurs, payment is made. Since the life insurance contract is a contract of certainty, because the contingency, the death or the expiry of term, will certainly occur, the payment is certain. In other insurance contracts, the contingency is the fire or the marine perils etc., may or may not occur. So, if the contingency occurs, payment is made, otherwise no amount is given to the policy-holder.

    Similarly, in certain types of life policies, payment is not certain due to uncertainty of a particular contingency within a particular period. For example, in term-insurance then, payment is made only when death of the assured occurs within the specified term, may be one or two years. Similarly, in Pure Endowment payment is made only at the survival of the insured at the expiry of the period.

    The amount of payment depends upon the value of loss occurred due to the particular insured risk provided insurance is there up to that amount. In life insurance, the purpose is not to make good the financial loss suffered. The insurer promises to pay a fixed sum on the happening of an event.

    If the event or the contingency takes place, the payment does fall due if the policy is valid and in force at the time of the event, like property insurance, the dependents will not be required to prove the occurring of loss and the amount of loss. It is immaterial in life insurance what was the amount of loss at the time of contingency. But in the property and general insurances, the amount of loss as well as the happening of loss, are required to be proved.

    To spread the loss immediately, smoothly and cheaply, large number of persons should be insured. The co-operation of a small number of persons may also be insurance but it will be limited to smaller area. The cost of insurance to each member may be higher. So, it may be unmarketable.

    Therefore, to make the insurance cheaper, it is essential to insure large number of persons or property because the lesser would be cost of insurance and so, the lower would be premium. In past years, tariff associations or mutual fire insurance associations were found to share the loss at cheaper rate. In order to function successfully, the insurance should be joined by a large number of persons.

    7. Insurance is not a gambling:

    The insurance serves indirectly to increase the productivity of the community by eliminating worry and increasing initiative. The uncertainty is changed into certainty by insuring property and life because the insurer promises to pay a definite sum at damage or death.

    From a family and business point of view all lives possess an economic value which may at any time be snuffed out by death, and it is as reasonable to ensure against the loss of this value as it is to protect oneself against the loss of property. In the absence of insurance, the property owners could at best practice only some form of self-insurance, which may not give him absolute certainty.

    Similarly, in absence of life insurance, saving requires time; but death may occur at any time and the property, and family may remain unprotected. Thus, the family is protected against losses on death and damage with the help of insurance.

    From the company’s point of view, the life insurance is essentially non-speculative; in fact, no other business operates with greater certainties. From the insured point of view, too, insurance is also the antithesis of gambling. Nothing is more uncertain than life and life insurance offers the only sure method of changing that uncertainty into certainty.

    Failure of insurance amounts gambling because the uncertainty of loss is always looming. In fact, the insurance is just the opposite of gambling. In gambling, by bidding the person exposes himself to risk of losing, in the insurance; the insured is always opposed to risk, and will suffer loss if he is not insured.

    By getting insured his life and property, he protects himself against the risk of loss. In fact, if he does not get his property or life insured he is gambling with his life on property.

    Charity is given without consideration but insurance is not possible without premium. It provides security and safety to an individual and to the society although it is a kind of business because in consideration of premium it guarantees the payment of loss. It is a profession because it provides adequate sources at the time of disasters only by charging a nominal premium for the service.


    Eastern University

    #eastern #university, #financial #aid, #debt #management, #college #of #arts #and #sciences, #esperanza, #palmer #seminary, #ccgps, #graduate, #student #loans, #christian #university, #philadelphia #pa, #philadelphia #university, #financial #aid #forms, #grants #and #scholarships


    #

    Financial Aid Office

    Who We Are

    The Financial Aid Office at Eastern University provides information and help on grants and scholarships, student loans, and financial aid for students enrolled in all programs. The links provided on the left will lead to helpful financial aid information, forms and more.

    Welcome

    We welcome all students from the Traditional Undergraduate Colleges, Esperanza College, Palmer Theological Seminary of Eastern University, and Graduate and Professional Studies to view the information available on this web site. We hope that you find this information helpful. The Financial Aid Office at Eastern University is committed to serving each and every one of the University’s campuses, branches, and programs by upholding our Mission Statement. If you are enrolled or are thinking about enrolling in any program and need assistance with the financial aid process, you will be able to find the information you need right here.

    File your FAFSA now

    Visit www.FAFSA.ed.gov to file your 2016-2017 and/or 2017-2018 FASFA
    Not sure which FAFSA to file?
    2016-2017: Summer 16, Fall 16, and/or Spring 17- Available now!
    2017-2018: Summer 17, Fall 17, and/or Spring 18- Available now!
    IMPORTANT 2017-2018 FAFSA FILING CHANGES!

    NOTE: The IRS Data Retrieval Tool is currently unavailable. You can still file your FAFSA and request your Tax Transcript from the IRS .

    Other Important Information


    Bill of Sale Form, bill of sale auto.#Bill #of #sale #auto


    Bill of Sale Form

    Custom Bill of Sale for $4.99

    Simplifing the sale of a vehicle between private parties. Just enter the info, then download and print. It’s that easy!

    • State specific for your transaction
    • Quick auto-fill feature
    • Just fill out, print, and sign

    Start Your Bill of Sale Bill of sale auto

    Continue reading this page to learn about your state’s bill of sale requirements and how to complete a bill of sale form, including details about title transfers when buying or selling a vehicle. You’ll also find out how to protect yourself in a vehicle sale with a vehicle history report.

    Bill of Sale Forms

    A bill of sale is an important part of any vehicle sale; however, it is not the only thing you’ll need to consider.

    • No sale is final until you complete a title transfer. Without this step finalized, the seller may be liable for fines and violations associated with the car.
    • As a buyer, BE SMART. Don’t get saddled with a lemon. Order a vehicle history report to know for certain you’re buying a gem.

    Depending on the state you live in, your state’s motor vehicle department may require you to obtain a bill of sale (see list below) OR it may be optional. Regardless of it being required or not, a bill of sale can be an important part of any vehicle transaction for both the buyer and the seller.

    States Requiring Approved Bill of Sale

    Many states require a state-specific bill of sale form. In this case, you must fill out the bill of sale form offered by the motor vehicle agency in your state. The list below lists states that require and provide a specific type of bill of sale form when you buy or sell a vehicle:

    Generic Bill of Sale Form (Free & Printable)

    If your state does not require or offer a bill of sale form, feel free to use our generic form, either to present to the state or to keep for your own records.

    Who Needs a Bill of Sale?

    Whether you are the seller or the buyer of the vehicle, you should never walk away from the transaction without a copy of the bill of sale. If you do not get a copy signed by both parties at the time of the sale, you leave yourself open to legal issues or other problems down the line.

    Your bill of sale will generally include information about the transaction, including:

    • A description of the vehicle and its vehicle identification number (VIN).
    • Any warranty that may have been agreed upon.
    • The final sale price of the vehicle.
    • The name of the buyer and the seller.
    • The county and state in which the vehicle was sold.

    NOTE: Certain states may have specific requirements of what exactly needs to appear on a bill of sale form. To find out what your state requires and to learn more about completing a bill of sale, please visit our Bill of Sale page.

    Bill of Sale vs. Title Transfer

    While a bill of sale is an essential part of the sale process, it generally does not prove ownership; only a title transfer proves ownership of a vehicle. In order to fully complete the sale, remember to transfer your title right away.

    Vehicle History Report: Don’t Sign Without It!

    As a buyer, you should NEVER go into a sale without educating yourself about your potential purchase. If you neglect to learn about a vehicle’s history prior to buying, you could get stuck with a lemon that will drain your money and time for years.

    Vehicle history reports reveal information about a vehicle’s past, including details about:

    • Previous owners.
    • Previous states where it was registered.
    • Past accidents and damages.

    Before you even consider signing a bill of sale, you must make sure your purchase will be a good one. To obtain details on a potential purchase, check out our page on vehicle history reports/VIN checks.

    List of auto insurance companies#List #of #auto #insurance #companies


    List of Auto Insurance Companies

    List of auto insurance companies

    A list of auto insurance companies is a good place to start your research on car insurance providers. Be sure to check the company’s ratings before you make your final decision regarding what company you will use to purchase your car insurance.

    Look Beyond Price

    Shopping for auto insurance can be a daunting task. There are many choices of insurance companies, purchase options and coverage options, all with various price points. For example:

    • Company choices – Over 2500 companies offer auto insurance in the United States. Not all companies can offer all of their plans in every state.
    • Purchase options – Some insurance companies sell their auto insurance through independent agents and others sell directly through their own agents, by phone, by mail and over the internet.
    • Coverage options – Most insurance companies offer similar types of insurance; however, the amount of coverage and the details of the coverage can vary between policies.
    • Price points – The actual price of a specific type of insurance varies between insurance companies and, in fact, can vary between policyholders purchasing insurance from the same insurance company.

    You should also compare the ratings of the insurance companies. By making this comparison you will know how other insurers feel about the company’s service and whether the company has the financial strength to pay your claim.

    Auto Insurance Ratings

    Financial ratings from independent companies such as A.M. Best and Standard Poor’s are an overall measurement of a company’s financial strength. The ratings are expressed as letter grades. These financial ratings are a big selling feature so the company will usually feature their rating in their sales materials.

    J.D. Power, an independent research company, prepares customer satisfaction ratings based on surveys they provide to insurance customers. These ratings can provide insight into the coverage, claims handling and overall experience by customers when they dealt with a specific insurance company.

    A. M. Best

    A.M. Best offers ratings that range from A++ to D. Some experts believe that you should only purchase insurance from an insurance company that has a rating of B+ or higher. Here is how the ratings stack up:

    Standard Poor’s

    Standard Poor’s ratings range from AAA to CC. Insurance experts usually recommend that you only work with an insurance company if it has a rating of BBB or better. Here is how Standard Poor’s defines their ratings:

    • AAA – Extremely Strong
    • AA – Very Strong
    • A – Strong
    • BBB – Good
    • BB – Marginal
    • B – Weak
    • CCC – Very Weak
    • CC – Extremely Weak

    J.D. Power

    J.D. Power conducts ongoing customer research of insurance customers. The questions asked survey information on:

    • Types of coverage offered
    • Price
    • Claims handling
    • Service from company representatives

    The results are published online and in an annual survey. The insurance companies that receive high ratings from J.D. Power frequently provide their rating information in their sales materials.

    List of Auto Insurance Companies

    The major insurance companies selling auto insurance in the United States include, but are not limited to:

    State Listings May Be Different

    Not all insurance companies can sell in all fifty states. Some companies can sell certain types of insurance but not other types. For example, a company may be licensed to sell life insurance but not auto insurance. You can contact your state department of insurance to obtain a list of auto insurance companies which are licensed to sell in your state.

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    Bill of Sale Templates, Microsoft and Open Office Templates, auto bill of sale template.#Auto #bill #of #sale #template


    Bill of Sale Templates

    These are Bill of Sale templates you can use as references or templates to secure your transaction. What is Bill of Sale meaning? It is interpreted as a legal document which is beneficial to clearly state what the buyer and seller get from certain transaction. It is the seller who has the obligation to create such document, for the buyers. The presence of Bill of Sale is important because it will stand as valid written evidence of a transaction (specification, date, location etc); particularly for transaction of product which has potency of creating misunderstanding or conflict in the future. Common transactions which need this kind of documents are car, motorcycle, boat/ship, and animal/pet (horse, dog, cat, bird) transaction.

    Below are some ready made templates created in Microsoft Word and Openoffice/Libreoffice Writer that you can use and modify based on your needs. You can select the closest one with your type of transaction and do some modification. There are common terms and conditions stated in the template. You should consult with your lawyer if you want to add more clauses and make it more secure.

    All templates below have seller and buyer table, where each table has to be filled with their identities (Name, Address, Contact Number and Signature). And all of them are fully editable using your Office suite. All of those templates are created in Microsoft Word but some of them are already converted in Openoffice/Libreoffice Writer format. Because of its compatibility, you can open any of those MS Word templates in Openoffice/Libreoffice platform.

    Vehicle Bill of Sale Templates

    There are 3 templates that you can use for your vehicle transaction, car, motorcycle and trailer bill of sale templates. Since almost all of them have the same specification, you can randomly select any templates for your needs. There are 4 boxes available for typing your vehicle specification, those are make , model , year and vehicle identification number . If you need more boxes, just add row below the table.

    Auto bill of sale template

    Bill of Sale Template Motorcycle (Word/Writer)

    Auto bill of sale templateMotorcycle Bill of Sale (MS Word) (32.0 KiB, 7,259 hits)

    Auto bill of sale templateVehicle Bill of Sale (MS Word) (32.0 KiB, 22,952 hits)

    Auto bill of sale templateTrailer Bill of Sale (MS Word) (15.0 KiB, 15,195 hits)

    Auto bill of sale templateMotorcycle Bill of Sale (Writer) (16.6 KiB, 1,457 hits)

    Vessel/Boat Bill of Sale Templates

    Different from the above templates, there are 8 boxes for vessel/boat transaction specification. Those are make , model , year , length , registration/CF/document no , serial/hull ID no , general boat type ,and engine boxes.

    Auto bill of sale template

    Bill of Sale Template Boat/Vessel/Ship (Word/Writer)

    Auto bill of sale templateBoat Bill of Sale (MS Word) (15.2 KiB, 9,482 hits)

    Auto bill of sale templateVessel Bill of Sale (MS Word) (15.1 KiB, 2,592 hits)

    Animal/Pet Bill of Sale Templates

    You can download templates for your animal or pet transaction here. You can use for your horse, dog, bird, cat transaction. Since almost all of those animal will share the same specification, I have just put two templates, for horse and dog transaction, that you can customize it by yourself. All terms and conditions are the same, the different is only on its specification table where horse bill of sale has additional row for putting more information related with mark and other distinctive physical characteristics . You can use this horse bill of sale version for your dog transaction if you need that additional one row.

    Auto bill of sale template

    Bill of Sale Template Horse/Dog (Word/Writer)

    Auto bill of sale templateDog Bill of Sale (MS Word) (32.5 KiB, 1,316 hits)

    Auto bill of sale templateHorse Bill of Sale (MS Word) (33.0 KiB, 1,520 hits)

    Auto bill of sale templateDog Bill of Sale (Writer) (16.3 KiB, 681 hits)

    Artwork Bill of Sale Templates

    This one is intended to cover any artwork transactions such as paintings, statues, stones, wood carving etc. There are five boxes to put your artwork specification. You can fill it, change its title or add more cells if you think you need more information to be added as part of your product specification.

    Auto bill of sale template

    Bill of Sale Template Artwork (Word/Writer)

    Auto bill of sale templateArtwork Bill of Sale (MS Word) (32.0 KiB, 1,751 hits)

    Auto bill of sale templateArtwork Bill of Sale (Writer) (17.1 KiB, 663 hits)

    Tennessee Bill of Sale Form – Requirements, bill of sale auto.#Bill #of #sale #auto


    Bill of Sale Requirements in Tennessee

    Custom Tennessee Bill of Sale for $4.99

    Simplifing the sale of a vehicle between private parties. Just enter the info, then download and print. It’s that easy!

    • State specific for your transaction
    • Quick auto-fill feature
    • Just fill out, print, and sign

    Start Your Bill of Sale Bill of sale auto

    Bill of Sale TN

    Tennessee does not require a bill of sale, but that doesn’t mean the document isn’t valuable for Volunteer Staters. Read on to find out how Tennesseans can transfer ownership of vehicles and use bills of sale for unofficial reasons.

    Tennessee Bill of Sale Details

    When you buy or sell a vehicle in Tennessee, complete a Tennessee title transfer in order to formally hand off ownership to the buyer.

    Even though Tennessee doesn’t require a bill of sale, having one is still a good way to create a receipt for your records. A notarized bill of sale is a legal document showing a transfer in ownership of a vehicle that helps both the seller and purchaser avoid any confusion when trying to obtain a clear title and registration. A bill of sale includes:

    • The name, address, and signature of the previous owner.
    • The name and address of the new owner.
    • The year, make, and vehicle identification number (VIN) of the vehicle.
    • The date of sale.
    • The signature of a notary public.

    When you purchase a vehicle outright, it’s important that the seller provides you with the current title, signed by both of you. You and the seller should each keep a notarized bill of sale for the transaction.

    Generic Bill of Sale

    To assist you in finding a form, we provide generic bill of sale forms for your use.

    Bill Harris Auto Center, Your Mansfield, OH Cadillac Chevrolet Buick Source in Ashland, OH, bill of sale auto.#Bill #of #sale #auto


    Bill Harris Auto Center – a Buick, Chevrolet, Cadillac vehicle for every lifestyle

    Bill Harris Auto Center IN Ashland, OH – SERVING Mansfield, OH CHEVROLET, CADILLAC BUICK CUSTOMERS

    VEHICLE SPECIALS

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    Offer Amount $500

    2018 Buick Enclave Premium AWD

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    2018 Chevrolet Equinox AWD LS

    Offer Amount $750

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    2018 Chevrolet Equinox AWD LT

    Sale Price: Contact Us

    Offer Amount $750

    2018 Chevrolet Equinox AWD LT

    Offer Amount $500

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    2018 Chevrolet Equinox

    Sale Price: Contact Us

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    2018 Chevrolet Equinox AWD LT

    Offer Amount $750

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    Sale Price: $38,395*

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    Sale Price: $24,778*

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    Sale Price: $24,778*

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    Sale Price: $29,253*

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    Sale Price: $29,253*

    Offer Amount $500

    2018 Chevrolet Equinox FWD LT

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    2018 Chevrolet Equinox FWD Premier

    Offer Amount $500

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    2018 Chevrolet Equinox

    Offer Amount $1000

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    2018 Chevrolet Impala LT

    Offer Amount $500

    Customer Cash

    2018 Chevrolet Impala LT

    Customer Reviews ( 630 Reviews)

    It’s been great.

    Car was serviced and ready in time

    always very nice and willing to help

    Just an oil change. Not much to comment on

    It was good.

    Honesty and Integrity are emblematic of.

    Greatly appreciate the friendly, kind.

    I appreciate the quick time they.

    Everyone was polite and friendly and.

    This was our second visit to Bill Harris.

    Making a Difference in Our Community

    Bill Harris Auto Center Auto Service and Parts

    Limited Time Offers

    Parts Service Department for Mansfield, OH Buick, Cadillac and GMC Shoppers in Ashland

    Shop by Price Range

    New Models

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    Bill of sale auto

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    Bill of sale auto

    List of auto insurance companies#List #of #auto #insurance #companies


    List of Auto Insurance Companies

    List of auto insurance companies

    A list of auto insurance companies is a good place to start your research on car insurance providers. Be sure to check the company’s ratings before you make your final decision regarding what company you will use to purchase your car insurance.

    Look Beyond Price

    Shopping for auto insurance can be a daunting task. There are many choices of insurance companies, purchase options and coverage options, all with various price points. For example:

    • Company choices – Over 2500 companies offer auto insurance in the United States. Not all companies can offer all of their plans in every state.
    • Purchase options – Some insurance companies sell their auto insurance through independent agents and others sell directly through their own agents, by phone, by mail and over the internet.
    • Coverage options – Most insurance companies offer similar types of insurance; however, the amount of coverage and the details of the coverage can vary between policies.
    • Price points – The actual price of a specific type of insurance varies between insurance companies and, in fact, can vary between policyholders purchasing insurance from the same insurance company.

    You should also compare the ratings of the insurance companies. By making this comparison you will know how other insurers feel about the company’s service and whether the company has the financial strength to pay your claim.

    Auto Insurance Ratings

    Financial ratings from independent companies such as A.M. Best and Standard Poor’s are an overall measurement of a company’s financial strength. The ratings are expressed as letter grades. These financial ratings are a big selling feature so the company will usually feature their rating in their sales materials.

    J.D. Power, an independent research company, prepares customer satisfaction ratings based on surveys they provide to insurance customers. These ratings can provide insight into the coverage, claims handling and overall experience by customers when they dealt with a specific insurance company.

    A. M. Best

    A.M. Best offers ratings that range from A++ to D. Some experts believe that you should only purchase insurance from an insurance company that has a rating of B+ or higher. Here is how the ratings stack up:

    Standard Poor’s

    Standard Poor’s ratings range from AAA to CC. Insurance experts usually recommend that you only work with an insurance company if it has a rating of BBB or better. Here is how Standard Poor’s defines their ratings:

    • AAA – Extremely Strong
    • AA – Very Strong
    • A – Strong
    • BBB – Good
    • BB – Marginal
    • B – Weak
    • CCC – Very Weak
    • CC – Extremely Weak

    J.D. Power

    J.D. Power conducts ongoing customer research of insurance customers. The questions asked survey information on:

    • Types of coverage offered
    • Price
    • Claims handling
    • Service from company representatives

    The results are published online and in an annual survey. The insurance companies that receive high ratings from J.D. Power frequently provide their rating information in their sales materials.

    List of Auto Insurance Companies

    The major insurance companies selling auto insurance in the United States include, but are not limited to:

    State Listings May Be Different

    Not all insurance companies can sell in all fifty states. Some companies can sell certain types of insurance but not other types. For example, a company may be licensed to sell life insurance but not auto insurance. You can contact your state department of insurance to obtain a list of auto insurance companies which are licensed to sell in your state.

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    Best and worst auto insurance companies, Clark Howard, list of auto insurance companies.#List #of #auto #insurance #companies


    Best and worst auto insurance companies

    List of auto insurance companies

    Thinking about shopping your auto insurance? A huge percent of people never shop their insurance needs — and that s a bad idea considering that modern American business punishes loyalty, rather than rewarding it.

    Car insurance ads on TV promise accident forgiveness, vanishing deductibles and other selling points. But those features are just a side show to the main act, which is a company s reputation with satisfying customers after a claim is made.

    Best and worst auto insurers

    Consumer Reports took a look at the auto insurance industry by surveying more than 64,000 readers about their satisfaction on the claims process, the cost of premiums and the overall customer experience.

    Here are the winners and losers, according to the magazine:

    Top 12 best insurers

    5. Auto Club Enterprises Insurance Group

    6. Auto Club Insurance Association

    12 worst auto insurers

    When it comes to car insurance, be sure the deductible you have isn t too low. Having a low deductible pushes premiums higher. It could also tempt you to make a claim for a small incident that will leave you in trouble with insurers going forward.

    You never want to make a claim on auto insurance for something small — like a cracked windshield or a broken side-view mirror — because the consequences are so ugly.

    The insurer can surcharge you for a number of years; eliminate the discounts you would otherwise qualify for; or put a black mark on your C.L.U.E. report, a little-known industry database of claims. The latter effectively limits your ability to shop with the competition for 36 months.

    The hidden dark side of roadside assistance

    Auto insurers are great about offering add-ons to your policy that seem in theory like great conveniences at a great price. But using these seemingly benign “benefits” could marginalize you in the insurance marketplace and result in jacked-up rates!

    Some auto insurers that offer roadside assistance treat your use of it as an at-fault claim and put that through on your C.L.U.E. report — even though you only needed a tow or the fix or a flat tire!

    “It’s the Wild West with no rules on what insurers can decide to report on your C.L.U.E. report,” money expert Clark Howard says. “And you have no right of appeal either.”

    So here’s the # 1 rule about roadside assistance: Never get it from your own insurer. Get it from AAA or elsewhere.

    Shopping around is the best way to get a lower rate

    If your auto insurance is costing you too much, you ve got to look around at other insurers. Here s how to start the process

    Begin by identifying solid companies

    Clark has long talked about the merits of Amica Mutual and USAA. But those aren t the only two companies you should look at. Consider buying a one-time subscription to Consumer Reports and checking their latest list of the best auto insurance companies to find others that should make it onto your shortlist.

    Get your quotes

    Once you have a list of candidates, you ll want to start getting quotes. This typically takes around 15 minutes on the phone per insurer. Have your most recent policy in front of you in case any questions come up about the make and model of your vehicle(s).

    Working with an insurance broker is another option. He or she will get multiple quotes for you and you ll have access to all the insurers they do business with. It s an easy one-stop shop that lets you still have the flexibility of comparison pricing.

    Compare quotes

    Once you get the quotes back, it s time to compare them. Each quote should be based on the same amount of coverage so you can do an apples-to-apples comparison. What if a poorly ranked company offers you a great quote? Clark says to avoid them! While the premium might be tempting, you want to be sure your insurer is there for you when the chips are down.

    Know when to drop comprehensive and collision

    The general rule is when the cost of comp and collision exceeds 10% of your old vehicle s value, that s the time to dump it and just have liability coverage. You can determine your vehicle s value at Edmunds.com, KBB.com or NADA.com.

    So let s take a simple example. Say your vehicle is worth $4,000. If you re paying anything more than $400 annually (that s 10% of $4,000) for comp and collision, it no longer makes any financial sense. One notable exception to this rule: If there s no way you could financially cover the loss of your vehicle, forget the math and keep paying for comp and collision.

    Be prepared to take a higher deductible

    You should always opt for a $1,000 deductible for the best savings on your policy. At that level, you ll pay a lower premium and won t be tempted to file any small piddling claims.

    Don t forget about discounts!

    There are a ton of different discounts out there. Here are some you can ask about:

    • Antitheft devices
    • Multiple policies with the same company
    • College students living away from home
    • Defensive driving courses
    • Drivers ed courses
    • Low annual mileage
    • Long-time customer
    • More than one car
    • No accidents in three years
    • No moving violations in three years
    • Student drivers with good grades

    Used Car Bill Of Sale Form, auto bill of sale form.#Auto #bill #of #sale #form


    Used Car Bill Of Sale Form

    Auto bill of sale form

    Are you selling or buying a used car? To close the sales deal, you need to have a bill of sale and help is here. We offer you a used car bill of sale form to help you write a bill of sale simply and fast. Moreover, this used car bill of sale form is free.

    A bill of sale is a legal document that a used car owner issued to a buyer to transfer the ownership of the car to the buyer. A used car bill of sale is a written agreement between the seller and the buyer for the sale of the used car. A used car bill of sale is also known as a sales receipt.

    Normally you can buy the bill of sale form at local office supply store, or grab it from local DMV office. However, you now can download a high-quality bill of sale form here for free.

    We provide you two copies of the used car bill of sale forms; one is in Word document format and another is in PDF form. If you want to customize the form, we recommend that you should download the Word template and load it into Microsoft Word application. Differently using the PDF form is just as easy as filling out the appropriate fields. Both forms can be printed out for filling manually or just using a computer to fill out.

    Used car bill of sale form details

    The used car bill of sale provides you necessary information required for a bill of sale as follows:

    • Car seller including name and complete address
    • Car buyer including name and also complete address
    • Car details including make, model, year, vehicle identification number (VIN) and mileage at the time of purchase
    • Price paid
    • Additional clause to state that the car is sold “AS IS”
    • Signatures of both buyer and seller
    • Date of purchase

    Bill of sale is important in used car sale transaction because it helps protect both seller and buyer from fraud, future dispute and improper seizure of the car. Start downloading free used car bill of sale form now and creating a professional bill of sale, you will never regret.

    Download Bill Of Sale Form PDF, auto bill of sale form.#Auto #bill #of #sale #form


    Download Bill Of Sale Form PDF

    Printable bill of sale forms, you can download and full these bill of sale documents. The specifics are slightly different for every transaction, but it’s nice to know what is normally included on a bill of sale if you’re going to work with a legal advisor or produce one in the future.

    What is a Bill Of Sale?

    A bill of sale is a legally binding contract between two parties or peoples that is legal in all 50 states in the United States. It hands over possession of something from one supplier to a consumer. It must also contain information about where to contact, the state of the item that is being sold and also what type of condition it’s in. It must also include any warranty information and also how the payment or payments are going to be made to the original owner.

    Printable Bill of Sale Motor Vehicles Form Templates

    You must fill out the bill of sale form offered by the motor vehicle agency in your state.

    Auto bill of sale formGeneral Bill Of Sale Basic Form

    Personal Property Bill of Sale Form

    Simple Blank Bill of Sale Form

    Trailer Bill of Sale Form

    Auto bill of sale form

    Bill Of Sale Receipt Form

    Auto bill of sale form

    What Are The Potential Benefits From a Bill of Sale

    Since the bill of sale is legally binding through the contract, it makes the life of both the seller and the buyer significantly easier. Some benefits for the vendors include an easier way to report tax and a document that states when the ownership of the item switches. For the consumer, it helps the proof of ownership of the property. Moreover some warranty information may have been included with the bill of sale.

    Vehicle Bill Of Sale Form Template

    Factors that go into Bill Of Sale

    There are many factors that should be included in a bill of sale. For one the Property Location, this is where the item is when it’s being sold such as which country or which part of a city. It has to include the sellers’ contact information including and their place of residence and also their full name.

    Another factor is the price and the decision of how the payment is going to be made. It can state the way to choose the payment method such as a check, money orders and of course cash just to name a few. It must also include how sales tax will influence the price of the item that is to be sold and whether it is going to be added to the amount or later on added to it.

    Vessel Bill of Sale Form Sample

    Auto bill of sale form

    Finally there must also be witness information if either party requests it. That means there must be another party or person involved who must also include their full name, any other ways of reaching them and also the place where they reside. It can be done by a public notary to avoid getting someone else into the predicament of the bill of sale. These are the general information what you need to know for a Bill of Sale and hopefully everything you needed to know has been cleared up.

    Special Warranty Bill Of Sale

    Auto bill of sale form

    Bill Of Sale Formal Form For A Motor Vehicle

    Auto bill of sale form

    Vehicle Bill Of Sale Sample

    Auto bill of sale form

    Bill Of Sale Body Corporate

    Auto bill of sale form

    Ohio Bill of Sale Form – Requirements, auto bill of sale template.#Auto #bill #of #sale #template


    Bill of Sale Requirements in Ohio

    Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

    Custom Ohio Bill of Sale for $4.99

    Simplifing the sale of a vehicle between private parties. Just enter the info, then download and print. It’s that easy!

    • State specific for your transaction
    • Quick auto-fill feature
    • Just fill out, print, and sign

    Start Your Bill of Sale Auto bill of sale template

    While a bill of sale is not required for most vehicle sales transactions, you may need to complete one in certain instances.

    Continue reading to learn more about using a bill of sale in Ohio, and what information you need to provide in one.

    Bill of Sale in Ohio

    Ohio generally does not require a bill of sale, and it does not provide a template for completing a bill of sale. In certain situations, you may need one for vehicles purchased out-of-state or for imported vehicles.

    That said, you may want a bill of sale as proof of purchase or sale for:

    • Tax purposes.
    • As a receipt for your files (which may prove helpful if you move to a bill of sale state).
    • As protection against legal issues down the line.

    Bill of Sale Requirements

    Your bill of sale should include the following pieces of information:

    • A vehicle description and vehicle identification number (VIN).
    • Warranty information.
    • The vehicle’s final sale price.
    • Names of the buyer and seller.
    • The county and state where you bought or sold the vehicle.

    If you do need a bill of sale, you should fill it out and take it to a County Clerk of Courts title office, where it can be used to calculate the amount of sales tax you’ll owe Ohio.

    Generic Bill of Sale

    A bill of sale can be useful even in a state without a bill of sale requirement.

    To assist you in creating this handy document, we provide a printable bill of sale form.

    Download Bill Of Sale Form PDF, auto bill of sale template.#Auto #bill #of #sale #template


    Download Bill Of Sale Form PDF

    Printable bill of sale forms, you can download and full these bill of sale documents. The specifics are slightly different for every transaction, but it’s nice to know what is normally included on a bill of sale if you’re going to work with a legal advisor or produce one in the future.

    What is a Bill Of Sale?

    A bill of sale is a legally binding contract between two parties or peoples that is legal in all 50 states in the United States. It hands over possession of something from one supplier to a consumer. It must also contain information about where to contact, the state of the item that is being sold and also what type of condition it’s in. It must also include any warranty information and also how the payment or payments are going to be made to the original owner.

    Printable Bill of Sale Motor Vehicles Form Templates

    You must fill out the bill of sale form offered by the motor vehicle agency in your state.

    Auto bill of sale templateGeneral Bill Of Sale Basic Form

    Personal Property Bill of Sale Form

    Simple Blank Bill of Sale Form

    Trailer Bill of Sale Form

    Auto bill of sale template

    Bill Of Sale Receipt Form

    Auto bill of sale template

    What Are The Potential Benefits From a Bill of Sale

    Since the bill of sale is legally binding through the contract, it makes the life of both the seller and the buyer significantly easier. Some benefits for the vendors include an easier way to report tax and a document that states when the ownership of the item switches. For the consumer, it helps the proof of ownership of the property. Moreover some warranty information may have been included with the bill of sale.

    Vehicle Bill Of Sale Form Template

    Factors that go into Bill Of Sale

    There are many factors that should be included in a bill of sale. For one the Property Location, this is where the item is when it’s being sold such as which country or which part of a city. It has to include the sellers’ contact information including and their place of residence and also their full name.

    Another factor is the price and the decision of how the payment is going to be made. It can state the way to choose the payment method such as a check, money orders and of course cash just to name a few. It must also include how sales tax will influence the price of the item that is to be sold and whether it is going to be added to the amount or later on added to it.

    Vessel Bill of Sale Form Sample

    Auto bill of sale template

    Finally there must also be witness information if either party requests it. That means there must be another party or person involved who must also include their full name, any other ways of reaching them and also the place where they reside. It can be done by a public notary to avoid getting someone else into the predicament of the bill of sale. These are the general information what you need to know for a Bill of Sale and hopefully everything you needed to know has been cleared up.

    Special Warranty Bill Of Sale

    Auto bill of sale template

    Bill Of Sale Formal Form For A Motor Vehicle

    Auto bill of sale template

    Vehicle Bill Of Sale Sample

    Auto bill of sale template

    Bill Of Sale Body Corporate

    Auto bill of sale template

    Used Car Bill Of Sale Form, auto bill of sale template.#Auto #bill #of #sale #template


    Used Car Bill Of Sale Form

    Auto bill of sale template

    Are you selling or buying a used car? To close the sales deal, you need to have a bill of sale and help is here. We offer you a used car bill of sale form to help you write a bill of sale simply and fast. Moreover, this used car bill of sale form is free.

    A bill of sale is a legal document that a used car owner issued to a buyer to transfer the ownership of the car to the buyer. A used car bill of sale is a written agreement between the seller and the buyer for the sale of the used car. A used car bill of sale is also known as a sales receipt.

    Normally you can buy the bill of sale form at local office supply store, or grab it from local DMV office. However, you now can download a high-quality bill of sale form here for free.

    We provide you two copies of the used car bill of sale forms; one is in Word document format and another is in PDF form. If you want to customize the form, we recommend that you should download the Word template and load it into Microsoft Word application. Differently using the PDF form is just as easy as filling out the appropriate fields. Both forms can be printed out for filling manually or just using a computer to fill out.

    Used car bill of sale form details

    The used car bill of sale provides you necessary information required for a bill of sale as follows:

    • Car seller including name and complete address
    • Car buyer including name and also complete address
    • Car details including make, model, year, vehicle identification number (VIN) and mileage at the time of purchase
    • Price paid
    • Additional clause to state that the car is sold “AS IS”
    • Signatures of both buyer and seller
    • Date of purchase

    Bill of sale is important in used car sale transaction because it helps protect both seller and buyer from fraud, future dispute and improper seizure of the car. Start downloading free used car bill of sale form now and creating a professional bill of sale, you will never regret.

    Ashland KY and Bluefield WV New & Used Cars for Sale – Bill Cole, bill of sale auto.#Bill #of #sale #auto


    Bill Cole located in Ashland, KY, and Bluefield, WV.

    Although Bill Cole in Ashland, Kentucky, and Bluefield, WV, is not open 24 hours a day, seven days a week – our website is always open. Just click on our Ashland, KY, or Bluefield, WV, to see a wide variety of vehicles! We are sure to have the right Nissan, Honda, Subaru, Kia, Ford, Lincoln, or used car for you!.

    Looking for a new Honda, Nissan, Subaru, Kia, Ford, or Lincoln? Look no further than Bill Cole in Ashland, Kentucky, and Bluefied, West Virginia. We offer a full lineup of new vehicles. Our knowledgeable Bill Cole new car dealer staff is dedicated and will work with you to put you behind the wheel of the vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

    As a leading used dealer, Bill Cole also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Kentucky and West Virginia. Stop by Bill Cole or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

    Visit our Bill Cole finance pages to get pre-approved today! The staff within our Finance Departments are dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

    Our state-of-the-art Service Department here at Bill Cole will keep your new vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new , or for more information about any of the services offered by Bill Cole.

    Bill of sale auto

    Used Car Bill Of Sale Form, auto bill of sale template.#Auto #bill #of #sale #template


    Used Car Bill Of Sale Form

    Auto bill of sale template

    Are you selling or buying a used car? To close the sales deal, you need to have a bill of sale and help is here. We offer you a used car bill of sale form to help you write a bill of sale simply and fast. Moreover, this used car bill of sale form is free.

    A bill of sale is a legal document that a used car owner issued to a buyer to transfer the ownership of the car to the buyer. A used car bill of sale is a written agreement between the seller and the buyer for the sale of the used car. A used car bill of sale is also known as a sales receipt.

    Normally you can buy the bill of sale form at local office supply store, or grab it from local DMV office. However, you now can download a high-quality bill of sale form here for free.

    We provide you two copies of the used car bill of sale forms; one is in Word document format and another is in PDF form. If you want to customize the form, we recommend that you should download the Word template and load it into Microsoft Word application. Differently using the PDF form is just as easy as filling out the appropriate fields. Both forms can be printed out for filling manually or just using a computer to fill out.

    Used car bill of sale form details

    The used car bill of sale provides you necessary information required for a bill of sale as follows:

    • Car seller including name and complete address
    • Car buyer including name and also complete address
    • Car details including make, model, year, vehicle identification number (VIN) and mileage at the time of purchase
    • Price paid
    • Additional clause to state that the car is sold “AS IS”
    • Signatures of both buyer and seller
    • Date of purchase

    Bill of sale is important in used car sale transaction because it helps protect both seller and buyer from fraud, future dispute and improper seizure of the car. Start downloading free used car bill of sale form now and creating a professional bill of sale, you will never regret.

    Auto Bill of Sale, UC Berkeley: Division of Student Affairs, auto bill of sale form.#Auto #bill #of #sale #form


    Auto Bill of Sale

    CONTRACT AND BILL OF SALE FOR AUTOMOBILE

    _________________ (“Seller”) agrees to sell to _________________ (“Buyer”) the following automobile: [specify make, model and year of car], with Vehicle Identification Number _____________ (the “Vehicle”), pursuant to these terms:

    1. The date of the sale of the Vehicle will be _____________, 20__.

  • The total purchase price of the Vehicle will be _______________________ Dollars ($_________).

  • In exchange for the Vehicle, the Buyer will pay Seller the total purchase price of the Vehicle on the day of the sale by cashier’s check, money order, or cash. [ALTERNATIVE: In exchange for Vehicle, on the day of the sale, Buyer will pay Seller $_______ by cashier’s check, money order, or cash as a downpayment for the vehicle and will sign a promissory note for the balance of the total purchase price, which shall be due in full on or before _______.]

  • Upon receipt of payment as provided above, The Seller agrees to provide the following documents to Buyer on the sale date:
    • Certificate of Title (including Odometer Disclosure Section), signed by Seller.
    • The current registration for the Vehicle.
    1. The Seller agrees to deliver the Vehicle to Buyer with a current registration and a clear title. Seller warrants that Seller is the legal owner of the Vehicle and that the Vehicle is free of all legal claims, liens, and encumbrances. The Seller agrees to pay for and deliver any necessary smog certification to Buyer before the sale date. [NOTE: an updated smog certification may not be required if the Vehicle is less than four years old.]

    2. The Vehicle is sold “as is,” and the Seller makes no express or implied warranties as to the condition or performance of the Vehicle, except as follows: to the best of Seller’s knowledge, this vehicle:

      ___ is ___ is not a salvage vehicle.

      ___ has ___ has not been declared a total loss by an insurance company.

      ___ has ___ has not been repaired pursuant to a Lemon Law.

    3. The Buyer agrees to register the Vehicle in his/her name with the California Department of Motor Vehicles within one week of the date of the sale.

    ____________________________ Date: ___________________

    ____________________________ Date: ___________________

    Tennessee Bill of Sale Form – Requirements, auto bill of sale form.#Auto #bill #of #sale #form


    Bill of Sale Requirements in Tennessee

    Custom Tennessee Bill of Sale for $4.99

    Simplifing the sale of a vehicle between private parties. Just enter the info, then download and print. It’s that easy!

    • State specific for your transaction
    • Quick auto-fill feature
    • Just fill out, print, and sign

    Start Your Bill of Sale Auto bill of sale form

    Bill of Sale TN

    Tennessee does not require a bill of sale, but that doesn’t mean the document isn’t valuable for Volunteer Staters. Read on to find out how Tennesseans can transfer ownership of vehicles and use bills of sale for unofficial reasons.

    Tennessee Bill of Sale Details

    When you buy or sell a vehicle in Tennessee, complete a Tennessee title transfer in order to formally hand off ownership to the buyer.

    Even though Tennessee doesn’t require a bill of sale, having one is still a good way to create a receipt for your records. A notarized bill of sale is a legal document showing a transfer in ownership of a vehicle that helps both the seller and purchaser avoid any confusion when trying to obtain a clear title and registration. A bill of sale includes:

    • The name, address, and signature of the previous owner.
    • The name and address of the new owner.
    • The year, make, and vehicle identification number (VIN) of the vehicle.
    • The date of sale.
    • The signature of a notary public.

    When you purchase a vehicle outright, it’s important that the seller provides you with the current title, signed by both of you. You and the seller should each keep a notarized bill of sale for the transaction.

    Generic Bill of Sale

    To assist you in finding a form, we provide generic bill of sale forms for your use.

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    Bill of Sale Form

    You’ll likely need a bill of sale when buying or selling a vehicle in a private party transaction.

    Tennessee Bill of Sale Form – Requirements, bill of sale auto.#Bill #of #sale #auto


    Bill of Sale Requirements in Tennessee

    Custom Tennessee Bill of Sale for $4.99

    Simplifing the sale of a vehicle between private parties. Just enter the info, then download and print. It’s that easy!

    • State specific for your transaction
    • Quick auto-fill feature
    • Just fill out, print, and sign

    Start Your Bill of Sale Bill of sale auto

    Bill of Sale TN

    Tennessee does not require a bill of sale, but that doesn’t mean the document isn’t valuable for Volunteer Staters. Read on to find out how Tennesseans can transfer ownership of vehicles and use bills of sale for unofficial reasons.

    Tennessee Bill of Sale Details

    When you buy or sell a vehicle in Tennessee, complete a Tennessee title transfer in order to formally hand off ownership to the buyer.

    Even though Tennessee doesn’t require a bill of sale, having one is still a good way to create a receipt for your records. A notarized bill of sale is a legal document showing a transfer in ownership of a vehicle that helps both the seller and purchaser avoid any confusion when trying to obtain a clear title and registration. A bill of sale includes:

    • The name, address, and signature of the previous owner.
    • The name and address of the new owner.
    • The year, make, and vehicle identification number (VIN) of the vehicle.
    • The date of sale.
    • The signature of a notary public.

    When you purchase a vehicle outright, it’s important that the seller provides you with the current title, signed by both of you. You and the seller should each keep a notarized bill of sale for the transaction.

    Generic Bill of Sale

    To assist you in finding a form, we provide generic bill of sale forms for your use.

    List of auto insurance companies#List #of #auto #insurance #companies


    List of Auto Insurance Companies

    List of auto insurance companies

    A list of auto insurance companies is a good place to start your research on car insurance providers. Be sure to check the company’s ratings before you make your final decision regarding what company you will use to purchase your car insurance.

    Look Beyond Price

    Shopping for auto insurance can be a daunting task. There are many choices of insurance companies, purchase options and coverage options, all with various price points. For example:

    • Company choices – Over 2500 companies offer auto insurance in the United States. Not all companies can offer all of their plans in every state.
    • Purchase options – Some insurance companies sell their auto insurance through independent agents and others sell directly through their own agents, by phone, by mail and over the internet.
    • Coverage options – Most insurance companies offer similar types of insurance; however, the amount of coverage and the details of the coverage can vary between policies.
    • Price points – The actual price of a specific type of insurance varies between insurance companies and, in fact, can vary between policyholders purchasing insurance from the same insurance company.

    You should also compare the ratings of the insurance companies. By making this comparison you will know how other insurers feel about the company’s service and whether the company has the financial strength to pay your claim.

    Auto Insurance Ratings

    Financial ratings from independent companies such as A.M. Best and Standard Poor’s are an overall measurement of a company’s financial strength. The ratings are expressed as letter grades. These financial ratings are a big selling feature so the company will usually feature their rating in their sales materials.

    J.D. Power, an independent research company, prepares customer satisfaction ratings based on surveys they provide to insurance customers. These ratings can provide insight into the coverage, claims handling and overall experience by customers when they dealt with a specific insurance company.

    A. M. Best

    A.M. Best offers ratings that range from A++ to D. Some experts believe that you should only purchase insurance from an insurance company that has a rating of B+ or higher. Here is how the ratings stack up:

    Standard Poor’s

    Standard Poor’s ratings range from AAA to CC. Insurance experts usually recommend that you only work with an insurance company if it has a rating of BBB or better. Here is how Standard Poor’s defines their ratings:

    • AAA – Extremely Strong
    • AA – Very Strong
    • A – Strong
    • BBB – Good
    • BB – Marginal
    • B – Weak
    • CCC – Very Weak
    • CC – Extremely Weak

    J.D. Power

    J.D. Power conducts ongoing customer research of insurance customers. The questions asked survey information on:

    • Types of coverage offered
    • Price
    • Claims handling
    • Service from company representatives

    The results are published online and in an annual survey. The insurance companies that receive high ratings from J.D. Power frequently provide their rating information in their sales materials.

    List of Auto Insurance Companies

    The major insurance companies selling auto insurance in the United States include, but are not limited to:

    State Listings May Be Different

    Not all insurance companies can sell in all fifty states. Some companies can sell certain types of insurance but not other types. For example, a company may be licensed to sell life insurance but not auto insurance. You can contact your state department of insurance to obtain a list of auto insurance companies which are licensed to sell in your state.

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    List of auto insurance companies

    MoneySuperMarket s List of New Car Dealers #usa #auto #parts


    #new car deals
    #

    New car sales

    There s nothing quite like the thrill of driving a brand new car, whatever vehicle you choose – but there are important things to consider before handing over your hard-earned cash and putting those first few miles on the clock.

    MoneySuperMarket doesn’t offer a comparison service for this type of product but we have compiled a list below of insurers who can help.

    New Car providers/products

    Plan Car

    Best Car Leasing Deals

    New car pros

    Buying a brand new car has several advantages over opting for a used vehicle.

    First and foremost, provided you re prepared to be a little patient, you should be able to order a car that fits your personal specification – so if you re after a particular colour, a specific kind of upholstery or a selection of snazzy mod cons, it s likely you ll get them.

    Just be careful not to go overboard with personalising your vehicle if you ll be selling it later down the line – touches that are to your taste might not be to other people s, and could affect the desirability of your car when you re looking for a buyer.

    New cars also come with practical plus points: for a start, your vehicle won t need an MOT for the first three years it s on the road. New cars also tend to be more fuel efficient than older vehicles, so the likelihood is the running cost of your car will be lower than you re used to.

    New vehicles also tend to be more environmentally-friendly than older cars, which could see you save money on vehicle tax. This is now calculated based on CO2 emissions, with some vehicles entirely exempt from tax, others liable for as little as 20 a year and some attracting annual charges of up to 500.

    Finally, you d expect a brand new car to be in perfect working order for a number of years after purchase – so servicing and maintenance costs should be low. You may also find a brand new vehicle comes with a certain number of services included, or a warranty that will cover certain repairs for up to five years.

    Some car manufacturers will also throw in other money-saving extras when you purchase a new car, such as a year s free insurance or breakdown cover.

    New car cons

    The biggest – and most expensive – disadvantage of buying a new car is the dreaded d word: depreciation.

    You ve probably heard it said that some cars lose thousands of pounds in value the second you drive them off the forecourt – and while that s a dramatic way of saying it, the fact is that cars decrease in value at breakneck speed during the first year they re on the road. It s important to consider this before signing on the dotted line for your new motor.

    The swift depreciation of new car values is of sufficient concern to some buyers that they purchase gap insurance.

    Gap insurance is a product designed to insure the difference between the new purchase price of their vehicle and the potential used car value that might be attached to it by an insurer if it were stolen, destroyed or written off in an accident soon after purchase. While gap insurance is an extra expense, for certain motorists it provides peace of mind they are happy to pay for.

    Finally, don t forget that having a brand new vehicle could mean you face higher insurance premiums than you might for a used vehicle with a similar specification. This is because new cars can be extra attractive to thieves, and might also be more expensive to repair in the event of an accident.

    Get the best deal

    Whether you re looking for new set of wheels or are after something second-hand, getting the best deal on car insurance – and other products such as gap insurance and breakdown cover – could save you hundreds of pounds.

    MoneySuperMarket s car insurance comparison channel will help you to shop around for the best prices and products in minutes.

    The Best Navigation GPS Units of 2016 #denver #auto #show


    #best auto gps
    #

    Navigation GPS Review

    The top performers in our review are the Garmin Nuvi 2589. the Gold Award winner; the TomTom GO 500. the Silver Award winner; and the Magellan SmartGPS. the Bronze Award winner. Here s more on choosing a product to meet your needs, along with detail on how we arrived at our ranking of 10 products.

    Navigation GPS units are small, portable devices that can give you accurate, specific directions, even in areas without cell service. They are vastly superior to smartphone apps because they don’t use data or tax your smartphone’s battery.

    You type in or, in some premium models, speak your destination and the device gives you turn-by-turn directions. It also displays information such as your current speed and the time and distance remaining until you reach your destination.

    They attach via a suction cup to your windshield or dashboard and get power from a cigarette lighter adapter. Unlike with permanent navigation GPS units, you can simply unplug a portable GPS and move it from car to car.

    In contrast to a smartphone navigation app, you don’t have to be in an area with cell service in order to get turn-by-turn directions from a navigation GPS. This is because these units have maps in their memories and get their location information directly from GPS satellites, which have better coverage than cell phone providers do.

    Navigation GPS: Essential Features

    Every unit that we reviewed comes preloaded with maps of the United States. They also have micro-SD card slots into which you can insert additional map cards. This means that if you plan to travel abroad, you can buy a map of that country, load it onto a micro-SD card and insert it into your GPS.

    It’s important that you look for a GPS with lifetime map updates. This means that every year or so, you can go on the manufacturer’s website and update your maps to reflect any changes. Automatic reroute is an essential feature found on every decent car GPS. If you take a wrong turn, the unit should recalculate your route based on your updated location.

    A speed limit indicator is another important feature. The device tells you not only the speed you’re traveling at, but also the speed limit of the road you’re on. This can help you avoid speeding tickets caused by not knowing the speed limit of the road you’re on, such as one in an unfamiliar location. You’ll also want to make sure your GPS has a built-in battery so it can work even when unplugged.

    Navigation GPS: Premium Features

    The best navigation GPS units have a host of features that, while not necessary, greatly enhance your navigation experience. The most important of these is voice-activated navigation. This is one of the biggest advantages smartphones have historically had over dedicated GPS units, because it’s much quicker than typing in a destination. Several models we reviewed have this feature.

    3D maps are an especially helpful feature if you frequently drive in cities. Tall buildings, bridges and other tall objects are modeled in three dimensions. This makes them much easier to recognize than they are on a traditional two-dimensional map. All Garmin Nuvi units have 3D maps, and Magellan and TomTom also offer them on select models.

    Another premium feature that you should look for is a built-in traffic receiver. This enables you to check traffic conditions without having to consult your smartphone. A capacitive touchscreen is another feature that is good to have, because it enables you to make pinch-to-zoom gestures, just as you would on your smartphone, an ability you don’t get with resistive touchscreens.

    The Verdict; Our Recommendations:

    The Garmin Nuvi 2589LMT is the best car GPS on the market. It has every feature that you should look for in a GPS, and Garmin has the best customer service in the industry.

    The TomTom GO 500 is a close runner-up, the lack of a built-in traffic receiver being its only real weakness, and it can still receive traffic updates through a dedicated smartphone app. It’s a bit cheaper than the Nuvi, too.

    The Magellan SmartGPS 5390 is our third choice. Its feature list is virtually identical to the TomTom’s, and its screen has a higher resolution. However, Magellan’s customer service is not as good as TomTom’s or Garmin’s.

    If you’re on a strict budget, the TomTom GO 50 is the auto GPS for you. It’s on par with the most affordable units on the market, and it includes lifetime map updates. It has all of the essentials that we look for, but it lacks the premium features that differentiate the best car GPS units from the competition.

    Everyone uses maps, but some people use paper maps, some use dedicated GPS units, and some use their smartphones. Dedicated GPS units are easily the best choice, because they work almost anywhere and, unlike paper maps, they can be updated. To learn more about auto GPS units, check out our additional articles or in-depth comparison reviews on the 10 best car GPS units on the market.

    List of Auto Insurance Companies #auto #lease


    #auto insurance companies
    #

    List of Auto Insurance Companies

    Bank Executive

    A list of auto insurance companies is a good place to start your research on car insurance providers. Be sure to check the company’s ratings before you make your final decision regarding what company you will use to purchase your car insurance.

    Look Beyond Price

    Shopping for auto insurance can be a daunting task. There are many choices of insurance companies, purchase options and coverage options, all with various price points. For example:

    • Company choices – Over 2500 companies offer auto insurance in the United States. Not all companies can offer all of their plans in every state.
    • Purchase options – Some insurance companies sell their auto insurance through independent agents and others sell directly through their own agents, by phone, by mail and over the internet.
    • Coverage options – Most insurance companies offer similar types of insurance; however, the amount of coverage and the details of the coverage can vary between policies.
    • Price points – The actual price of a specific type of insurance varies between insurance companies and, in fact, can vary between policyholders purchasing insurance from the same insurance company.

    You should also compare the ratings of the insurance companies. By making this comparison you will know how other insurers feel about the company’s service and whether the company has the financial strength to pay your claim.

    Auto Insurance Ratings

    Financial ratings from independent companies such as A.M. Best and Standard Poor’s are an overall measurement of a company’s financial strength. The ratings are expressed as letter grades. These financial ratings are a big selling feature so the company will usually feature their rating in their sales materials.

    J.D. Power, an independent research company, prepares customer satisfaction ratings based on surveys they provide to insurance customers. These ratings can provide insight into the coverage, claims handling and overall experience by customers when they dealt with a specific insurance company.

    A. M. Best

    A.M. Best offers ratings that range from A++ to D. Some experts believe that you should only purchase insurance from an insurance company that has a rating of B+ or higher. Here is how the ratings stack up:

    • A++ and A+ – Superior
    • A and A- – Excellent
    • B++ and B+ – Good
    • B and B- – Fair
    • C++ and C+ – Marginal
    • C and C- – Weak
    • D – Poor

    Standard Poor’s

    Standard Poor’s ratings range from AAA to CC. Insurance experts usually recommend that you only work with an insurance company if it has a rating of BBB or better. Here is how Standard Poor’s defines their ratings:

    • AAA – Extremely Strong
    • AA – Very Strong
    • A – Strong
    • BBB – Good
    • BB – Marginal
    • B – Weak
    • CCC – Very Weak
    • CC – Extremely Weak

    J.D. Power

    J.D. Power conducts ongoing customer research of insurance customers. The questions asked survey information on:

    • Types of coverage offered
    • Price
    • Claims handling
    • Service from company representatives

    The results are published online and in an annual survey. The insurance companies that receive high ratings from J.D. Power frequently provide their rating information in their sales materials.

    List of Auto Insurance Companies

    The major insurance companies selling auto insurance in the United States include, but are not limited to:

    State Listings May Be Different

    Not all insurance companies can sell in all fifty states. Some companies can sell certain types of insurance but not other types. For example, a company may be licensed to sell life insurance but not auto insurance. You can contact your state department of insurance to obtain a list of auto insurance companies which are licensed to sell in your state.

    Three Kings of the Denver Auto Show #auto #diagnostics


    #denver auto show
    #

    Three Kings of the Denver Auto Show

    This beauty looks too good to be true and so far it isn t!

    The 2014 Denver Auto Show is well under way and we can fairly well assert there is something to interest darn near anyone. In our estimation, their specific automobiles are the most interesting or compelling to the confirmed auto aficionado.

    For our money, the most exciting of these new vehicles is the recently released Jaguar F-Type Coupe that come in three trim levels and is a completely different animal that its convertible sibling, which we frankly love unabashedly.

    During the unveiling during the media hours Wednesday, Jack Terhar Jr. president of Sill-Terhar Motors told of his apprehension at meeting Ratan Tata, CEO of Tata Motors, under whose umbrella Jaguar now rests.

    Despite his uneasiness, Terhar found the owner of one of the largest automotive manufacturing groups in the world to be down to earth, perceptive and very personable, despite the cultural differences expected in an executive from India.

    “I hear with my ears, but listen with my heart,” he quoted Tata as stating.

    He continued to explain how when the design of the Jaguar F-Type Coupe was proposed, entire cadres of engineers told him graphically, complete with PowerPoint presentations that it simply couldn’t be done.

    “I didn’t ask you to do this,” Tata told them. The dealers want it, so do it!”

    Interestingly, the coupe was designed before the convertible, but due to America’s love affair with the roadster, (in which this writer is a card carrying acolyte) the open-air model was released first.

    By the way, the Jaguar F-Type Coupe R’s supercharged V8 engine develops 550 horsepower and 502 ft-lb. of torque.

    For those whose need for speed exceeds even those lofty levels, the new Nissan GT-R may fill the bill. This 600-horsepower beauty is one of the fastest of all supercars and has proved it in annual drag races with the top Mercedes, BMW, Porsche, Maserati and other manufacturers advanced performance models.

    The new model has twin turbochargers that make the carbon fiber front fascia and even the LED daytime driving lights and headlamps hard to see at top speed. The Carbon fiber is also used for the trunk lid and all these parts have a red and gold flake sheen that scintillates as the supercar streaks by in a blur.

    Bose active noise cancelation keeps the deep-throated growl of the bodacious engine outside the car where it belongs – not in the cabin.

    One of the coolest aspects of this phenomenal car is the fact that only four Nissan technicians are qualified to build the GT-R engine and each model has a plaque on the front with the signature of the engineer that built that engine. Street and track specific models range from $111K to $115K. Sweet dreams are made of these, but you need an account in the Cayman Islands to run with these diamond dogs.

    By far the most intriguing concept car at this year’s show is the Kia GT4 Stinger Concept. This beautiful prototype is nowhere near production or even the planning stage but the company literature admits all the manufacturers vehicles evolved from one concept or another, leaving hope alive that something like this might eventually see the light of the moon.

    While in this vicinity of the show, we chanced across the 2015 Kia K-900 V8 sedan that sports a 5-liter V8 engine and 8-speed automatic transmission for a whopping $66,400. Who knew Kia had luxury sedan ambitions and is this really the time to be pushing 15 to 23 mpg vehicles with the looming advent of the rigid CAFE standards?

    Other highlights include a Buick 1.4-liter turbocharged DOHC inline 4-cylinder engine naked on a stand, resplendent in its chrome visage.

    Then there’s the cutaway of a Subaru Forester so you can see the construction of the body, and new truck offering from Chevy, Ford, Ram and Toyota.

    There’s an exhibit on the relative economy and growing availability of Compress Natural Gas vehicles and lots of information on home fueling, public outlets and other aspects of this clean-burning, cheaper fuel option. It is worthy of note that Colorado is a Natural Gas exporting state, a factor that removes transportation costs from the transportation equation.

    For those who want a more interactive experience, there an outrageous video game simulator of a racing a Mustang on a track that moves you up, down and around as you steer, accelerate and brake. The Jeep has their offroad experience where you can ride or drive over a thrilling and undulating course as Jeep personnel explain the new features of the legendary Jeep Wrangler.

    The Denver Auto Show continues from 10 am to 10 pm April 11 12, plus 10 am to 6 pm. It’s well worth the price of admission if you’re are planning to buy a car anytime soon or just want to keep up with an industry in a phenomenal phase of change.

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


    #auto bill of sale form
    #

    Free Automobile As Is Bill of Sale

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

    Motor Vehicle As Is Bill of Sale

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

    Make: Model or series:

    Year: Color:

    VIN #: Style:

    Odometer reading: Title #:

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

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

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

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

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

    ____________________________________

    Touch of Shade Auto Glass, Window Tint, and Clear Bra #cars #for #sale #by #owner


    #auto window tinting
    #

    Window Tint and Auto Glass

    We fix $99 tint jobs! Don’t be fooled by a low price.

    Touch of Shade has 30 years of collective experience in auto glass replacement and repair, window tinting, and 3M clear bra paint protection. By utilizing the finest products the industry has to offer, Touch of Shade stands out from the competition, making Touch of Shade the obvious choice for your Window Tint, Auto Glass and Clear Bra needs in Colorado Springs, Centennial, and Denver Metro areas.

    Touch of Shade is a full service auto glass repair shop, we can not only replace your windshield but any and all auto glass!

    In Colorado, window tint is almost a necessity with the glare of the sun in the Summer and the snow in the Winter. Colorado has one of the highest sun intensity ratings in the United States. Stop by our Colorado Springs or Denver / Centennial location and protect not only your car but yourself from the sun’s harmful rays. Touch of Shade can remove window tint that has faded, bubbled, cracked, and turned purple. Touch of Shade also offers home and commercial window tinting as well as auto tint.

    Call today, (719) 266-6852 in Colorado Springs, or learn more about us!

    U. S. Department of Transportation Unveils New, Free, Online Search Tool for Recalls Using Vehicle Identification Number #quick #auto


    #auto vin check
    #

    U.S. Department of Transportation Unveils New, Free, Online Search Tool for Recalls Using Vehicle Identification Number

    NHTSA 36-14

    Wednesday, August 20, 2014

    Consumers will be able to tell whether their vehicle or a used vehicle they are considering is at risk due to an uncompleted recall

    WASHINGTON – Every year, millions of vehicles are recalled in the United States due to safety defects or noncompliance with federal safety standards. To help car buyers, owners and renters know that their vehicles are safe and their safety defects have been address, the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) today unveiled a new, free, online search tool consumers can use to find out if a vehicle is directly impacted by a recall.

    The new tool is available on www.safercar.gov/vinlookup and provides consumers with a quick and easy way to identify uncompleted recalls by entering their Vehicle Identification Number (VIN). All major light vehicle and motorcycle brands can be searched.

    “Safety is our highest priority, and an informed consumer is one of our strongest allies in ensuring recalled vehicles are repaired,” said U.S. Transportation Secretary Anthony Foxx. “Starting today car owners, shoppers, and renters can find out if a specific vehicle has a safety defect that needs to be fixed – using our free online tool.”

    Also effective today, under the new NHTSA mandate, all major light vehicle and motorcycle manufacturers are required to provide VIN search capability for uncompleted recalls on their own websites. This data must be updated at least weekly. NHTSA’s new VIN look-up tool directly relies on information from all major automakers, and regularly updated information from the automakers is critical to the efficacy of the search tool.

    Consumers can find their vehicle identification number by looking at the dashboard on the driver’s side of the vehicle, or on the driver’s side door on the door post where the door latches when it is closed.

    Determining whether there is a recall that consumers need to take action on is easy. After entering the VIN number into the field, results will appear if the consumer has an open recall on their vehicle, and if there are none, owners will see “No Open Recalls.”

    “Just as every single automaker should never hesitate to recall a defective vehicle, consumers should never hesitate to get their recalled vehicle fixed,” said NHTSA Deputy Administrator David Friedman. “By making individual VIN searches readily available, we’re providing another service to consumers – the peace of mind knowing that the vehicle they own, or that they are thinking of buying or renting, is free of safety defects.”

    Today’s announcement builds on NHTSA’s current efforts to provide consumers with information to help them make informed decisions, including the New Car Assessment Program (NCAP) 5-Star Ratings System, Recall envelope and Safercar mobile apps which provide on-the-spot information on crash protection features, advanced safety features, and recalls on new vehicles and many older models. In addition, NHTSA is working with the National Automobile Dealers Association (NADA) to help ensure that franchise dealerships across the United States become aware of and understand how to use the new VIN search tool.

    Basics of Private Party Loans – Payment Between Individuals #o #reilly #auto


    #private party auto loans
    #

    Private Party Loans

    By Justin Pritchard. Banking/Loans Expert

    Justin Pritchard helps consumers navigate the world of banking.

    Private party loans can refer to a few different things. The traditional (and most common) type of loan is an auto loan used to purchase a used vehicle. Instead of buying from a dealer. you re buying from a private party. so getting a loan is a little bit different.

    Some of these loans are a great deal for all involved.

    Private Party Auto Loans

    In the age of Craigslist and similar sites, finding a used car is easy. But finding funding isn t as simple. If you buy from a dealership, they ll offer (or push ) financing, which they ve arranged with local or national lenders, and it s hard not to walk out without getting a loan.

    When you re dealing with a private seller, lenders are more hesitant. They don t know anything about the vehicle — it s your responsibility to figure out what it s worth.

    However, banks and credit unions know that there is money to be made in lending money, so they offer private party loans.

    Private party auto loans are similar to standard auto loans, but they tend to come with a slightly higher interest rate, and they generally won t last as long (banks are taking more risk with a used vehicle, so they want to limit their risk).

    Where to Get One

    To get a private party auto loan, you ll need to apply, and approval will be based on the same factors that affect every loan: mainly your credit scores and your debt to income ratios ; the lender wants to see that you ve got enough income to repay the loan, and that you re familiar with borrowing money.

    Continue Reading Below

    If you can t qualify, you can always try using a co-signer .

    Numerous banks and credit unions offer these loans. A quick search will show you some of the big banks in the market, but you should also shop smaller institutions. If you aren t having any luck with a big bank, try a small local bank or credit union. which might be more accommodating.

    Other Types of Private Loans

    Sometimes loans between individuals create a win-win situation: great for lenders (who earn more than they can at the bank) and borrowers (who pay less interest than they would at the bank). When borrowers have poor credit, private loans may be the only option available, although they generally come with higher rates.

    Where to Borrow

    There are basically two ways to find private party loans: peer to peer lending services and people you know. To borrow from strangers, visit a peer to peer lending site and apply for a loan. Even if you set up a private party loan with somebody you know, these sites may help with loan documentation and servicing.

    Documentation

    Documentation is a key to any private party loan. Make sure everything is spelled out in writing, and everybody understands and agrees. While it may seem overly formal, documentation can prevent headaches and heartbreaks in the future.

    To document your private loan, write an agreement or use somebody else’s. For larger loans, it’s probably best to use a professionally prepared agreement — a lot can go wrong, and good loan agreements anticipate pitfalls.

    For private party loan documents, search the web, work with a local attorney, or use a peer to peer lending service that specializes in these loans. For example, LoanKin sells agreements and even processes payments on mortgages and other loans.

    Bank Of Oklahoma – Current Loan Rates #bad #credit #auto #loans #guaranteed #approval


    #auto interest rates
    #

    CURRENT LOAN RATES

    1 The Annual Percentage Rate (APR) shown for New/Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.

    2 The APR shown for Home Equity Lines of Credit is valid with a loan to value of 85% or less. The APR during the revolving period ranged from 4.50% to 5.50% as of June 1, 2015. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A $50 annual fee applies.

    3 The APR shown for Home Equity Loans is offered on loans in first lien position with a loan to value of 85% or less. Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.

    4 The APR shown for Total Equity Lines of Credit is subject to approval. The APR is offered depending on the individual’s outstanding line of credit balance. Individuals with less than a $20,000 outstanding balance may be offered higher rates. A $50 annual fee applies.

    All rates and terms are subject to credit approval and could change without notice. Member FDIC. Equal Housing Lender.

    Auto Trim Design of Helena Welcomes You #poor #credit #auto #loans


    #auto design
    #

    Welcome to.

    Auto Trim Design of Helena MT

    Auto Trim Design in Helena MT really is your One Best Place for all your car and truck accessory needs. Aftermarket accessories for cars and truck is what we do, and we have the expert technicians and installers to meet your expectations when it comes to customizing your favorite ride.

    Come in and let us show you just how we qualify to make that statement. The way we treat our customers makes the case that we really are the best place for window tinting, whether it’s tinting the windows in you favorite ride or applying window film to your home or office windows we have professional installers to make the process a smooth one.

    Custom electronics is also one of our specialties. When it comes to custom mobile electronics we do it all, mobile video, custom car stereo, alarms and keyless entry systems, backup cameras, bluetooth systems, GPS navigation, remote start or auto start, seat heaters and even marine audio systems, yes we do it all!

    Chrome accessories are another top seller for those that like to brighten things up. Nothing says ‘Look at me’ quite like that glitter of chrome. Yes chrome accessories have been popular for a long time and not only enhance the appearance of your vehicle but in many cases offer a good degree of protection from the elements and road debris as well.

    Leather seats are a real luxury and can be added to most any vehicle, and you can have your leather seats with or without seat heaters which make those chilly winter days more comfortable.

    Paint protection film is a must if you want to preserve that new car look and feel for that expensive factory paint job. Not only do we have certified professional installers to apply the product but our top brands carry extensive warranty coverage as well, so you get expert application and a guarantee it will last for many years to come

    Grill guards for those times when you have that Deer in the headlights feeling. You know, you’re driving along after dark and all of a sudden, there she is, that cute little momma deer that just walked out right in front of your ride and you just do not have time to make an evasive move that will save the front end of your brand new pickup truck and there goes the grill, headlights, front fender.

    Unless you’re protected by one of those good looking Grill Guards form one of our top suppliers. Not only do they look great but they can save the day when that little [or maybe BIG] fuzz ball walks out in front of you without any warning.

    What about protection for the bed of your truck or it’s contents? That’s were a Tonneau cover form Access, BAK, Roll-N-Lock or one of the many others we can supply comes into play. Why not come in and see just what we can offer you to protect your truck bed and your valuables in back.

    Toppers are another great way to add protection for the truck bed and it’s contents. We carry some of the best for A.R.E. as well as the many used toppers and caps we have in stock. Often times when our customers buy a new topper or truck cap we can offer something in trade for the old one and this makes for a win/win for both parties. Come in and take a look at the used toppers and caps we have in stock now and see if we have something that will work for you.

    We have Running boards from the industry leaders like Owens Pro, DEEZEE, ICI, Onki just to name a few.

    Yes we have all this much, much more! Floor liners, dash kits, woodgrain accessories and the list goes on.

    Please watch our Welcome video above, it’s our personal welcome message from us at Auto Trim Design in Helena to you. We hope you enjoy your visit and that you will come in to see us soon.

    At ATD in Helena, we carry only the best in top quality trim and accessory products from the industries leading manufacturers because we care about our customer’s satisfaction. When you come in we will do everything possible to add you to our long and growing list of happy, satisfied customers.

    Come in or give us a call. When it comes to dressing up your car or truck Auto Trim Design of Helena really is the One Best Place . We have many years of training and experience that prove we really are the experts in the field.

    Thanks for taking a look around in our online store. We hope to see you in person soon.

    Auto Loan Surge Fuels Fears Of Another Subprime Crisis: NPR #cars #for #sale #by #owner


    #subprime auto lenders
    #

    Listen to the Story

    Auto dealers are extending loans to a growing number of people with weak credit.

    Joe Raedle/Getty Images

    The number of Americans buying autos approached a record high last year. It’s one more sign of how much the economy is improving.

    But there’s a big potential downside that’s evoking comparisons to the subprime mortgage boom. Auto dealers are extending loans to a growing number of people with weak credit, and more of them are having trouble making payments.

    When Chris Westervelt moved from Texas to Alaska to take a job, he decided to trade in his Mazda for a car that could handle snow and ice.

    “I started looking at vehicles that had four-wheel drive capabilities and I ended up settling on a Jeep Wrangler,” Westervelt says.

    He went to a dealer and test drove a car. “They said, ‘Go ahead and take the Jeep home, you know, come back sometime tomorrow and, you know, we’ll get everything settled,’ ” Westervelt says. “So, after driving around a little and coming back, the store manager actually got a little aggressive with me. He’s like, ‘You’ve already put 200 miles on my Jeep. What am I going to do? I can’t resell this,’ ” Westervelt says.

    Window Tinting Charlotte – Sun Stoppers of Charlotte #poor #credit #auto #loans


    #auto window tint
    #

    Paint Protection.

    Window Tinting Charlotte

    Sun Stoppers is Charlotte s number one choice for high quality window tinting and we take pride in the quality of our work and the quality of our window films. Window tinting is more than just darkening your windows.  Good quality window film makes all the difference in the world and using a good window tinting professional is essential. For automotive window tinting in Concord, look no further than Sun Stoppers.

    Automotive window tinting improves comfort, protecting car interiors and you the driver

    Whether you’re looking for breakthrough heat-rejection technology in a clear film or simply to minimize the harmful effects of the sun, Sun Stoppers has you covered. While comfort and style are paramount, our non-metallized window tint options can also help you stay connected and protected with SPF factors exceeding 1000. Sun Stoppers puts the innovation of window film to work for you.

    Automotive Window Tint Charlotte

    Automotive Paint Protection Charlotte

    Residential Window Tint Charlotte

    Commercial Retail Window Tinting Charlotte

    3M Automotive Paint Protection Video

    A LOT OF USED CARS – Buy Here Pay Here Used Cars – Duluth GA Dealer #auto #auction #prices


    #used car lots
    #

    A LOT OF USED CARS – Buy Here Pay Here Used Cars, Auto Financing Duluth, GA

    A LOT OF USED CARS 3425 Buford Hwy Duluth GA 30096 770-497-8181 Duluth Buy Here Pay Here Used Cars, Auto Financing | Alpharetta GA Buy Here Pay Here Used Cars, Auto Financing | Atlanta Buy Here Pay Here Used Cars, Auto Financing

    A LOT OF USED CARS has been your premier GA Buy Here Pay Here Used Cars, Auto Financing lot serving Alpharetta, Atlanta, Avondale Estates, Buford, Clarkston, Cumming, Dacula, Decatur, Duluth, Grayson, Lawrenceville, Lilburn, Norcross, North Metro, Pine Lake, Roswell, Scottdale, Snellville, Stone Mountain, Suwanee, Tucker and the surrounding communities. A LOT OF USED CARS will always treat you with courtesy and respect. We have been providing GA fair and honest service in the Duluth Buy Here Pay Here Used Cars, Auto Financing, Alpharetta Buy Here Pay Here Used Cars, Auto Financing, and Atlanta Buy Here Pay Here Used Cars, Auto Financing areas.

    Let our experienced, knowledgeable team help you find the perfect Duluth Bad Credit Car Loans, Car Loans inventory. We invite you to A LOT OF USED CARS to test drive our models including: by here pay here, bad credit auto loans and used car financing, vehicle financing, auto loans, automobile loans, car finance. We have helped customers from Alpharetta, Atlanta, Avondale Estates, Buford, Clarkston, Cumming, Dacula, Decatur, Duluth, Grayson, Lawrenceville, Lilburn, Norcross, North Metro, Pine Lake, Roswell, Scottdale, Snellville, Stone Mountain, Suwanee, Tucker. We also carry a huge selection of Bad Credit Car Loans, Car Loans inventory from all makes and models so drive on in from Alpharetta, Atlanta. If we don’t have it in stock, we can get it for you! You can contact us online for a quick quote or give us a call at 770-497-8181.

    A LOT OF USED CARS is one of the top Duluth Buy Here Pay Here Used Cars, Auto Financing lots in GA. We carry a full selection of by here pay here, bad credit auto loans and used car financing, vehicle financing, auto loans, automobile loans, car finance. Come in today and view the Bad Credit Car Loans, Car Loans inventory. Conveniently located a short drive from Alpharetta, Atlanta makes it easy to stop in anytime of the year.

    Please contact us with any questions you have about Duluth Bad Credit Car Loans, Car Loans inventory. This GA Buy Here Pay Here Used Cars, Auto Financing lot offers many great deals and Used Cars, financing in a friendly, relaxed atmosphere. It is easy to see why A LOT OF USED CARS in Duluth, GA is the perfect place to purchase your next by here pay here, bad credit auto loans and used car financing, vehicle financing, auto loans, automobile loans, car finance.

    We hope that you find our website helpful to your needs. Although A LOT OF USED CARS of Duluth in GA doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Duluth area customers, you can research our Buy Here Pay Here Used Cars, Auto Financing, Bad Credit Car Loans, Car Loans, by here pay here, bad credit auto loans and used car financing, vehicle financing, auto loans, automobile loans, car finance. Search the extensive inventory of all the A LOT OF USED CARS Used Cars, financing that we offer at great prices, request a vehicle price quote, view pictures and data about the Bad Credit Car Loans, Car Loans or learn about our Used Cars, financing that we currently have. Give us a call at 770-497-8181.

    Duluth Buy Here Pay Here Used Cars, Auto Financing | Alpharetta GA Buy Here Pay Here Used Cars, Auto Financing | Atlanta Buy Here Pay Here Used Cars, Auto Financing

    AutoWorld of Lenoir – Used Cars – Lenoir NC Dealer #auto #headlights


    #auto world
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    AutoWorld of Lenoir – Lenoir NC, 28645

    AutoWorld of Lenoir Lenoir Used Cars, Used Pickup Trucks Lot NC 28645

    AutoWorld of Lenoir Lenoir located in Lenoir, NC is proud to be a Lenoir Used Cars, Used Pickup Trucks lot. From the moment you walk into our showroom, you’ll know our commitment to Customer Service is second to none. We strive to make your experience with AutoWorld of Lenoir Lenoir a good one. Whether you need to purchase Used Cars. Used Pickups For Sale inventory, you’ve come to the right place.

    Call us today at 828-726-2446 to schedule a test drive or to get your no-obligation price quote. Feel free to browse our current  Used Cars. Used Pickups For Sale inventory. Call us today to schedule a test drive or to get your no-obligation price quote.

    We hope that you find our website helpful to your needs. Although AutoWorld of Lenoir of Lenoir in NC doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Lenoir, Charlotte, Winston Salem area customers, you can research our Used Cars, Used Pickup Trucks, Used Cars. Used Pickups For Sale, used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Search the extensive inventory of all the AutoWorld of Lenoir Used Cars, Pickup Trucks that we offer at great prices, request a vehicle price quote, view pictures and data about the Used Cars. Used Pickups For Sale or learn about our Used Cars, Pickup Trucks that we currently have.

    Get a well-maintained, competitively-priced, Used Cars, Pickup Trucks in Lenoir at AutoWorld of Lenoir.   While we are the premier location to buy a Used Cars, Pickup Trucks, we also serve customers from Boomer, Collettsville, Drexel, Ferguson, Granite Falls, Hudson, Lenoir, Patterson, Rhodhiss, Rutherford College, Valdese. Browse our Lenoir Used Cars, Used Pickup Trucks inventory to view details about our low priced, high-quality Used Cars. Used Pickups For Sale and used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks. Having problems locating a Used Cars, Used Pickup Trucks in Lenoir? Complete our Used Cars, Pickup Trucks Finder form and we will alert you when your dream vehicle arrives at our dealership.

    Lenoir Used Cars, Used Pickup Trucks | Charlotte NC Used Cars, Used Pickup Trucks | Winston Salem Used Cars, Used Pickup Trucks

    AutoWorld of Lenoir – Used Cars, Used Pickup Trucks Lenoir, NC

    Buying Peace of Mind: How to Buy a Used-Car Warranty #auto #auction #phoenix


    #buy a used car
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    Buying Peace of Mind: How to Buy a Used-Car Warranty

    A certified pre-owned car with a warranty provided by the manufacturer is the safest bet in the used-car world. But if you’re not buying a CPO car from a franchise dealer, can you still get a warranty? Yes, but buying one can be tricky.

    The fact is, we all hope to find a company that will warranty a used car with 150,000 miles on it, sight unseen. But such companies don’t exist because there’s no way they can, as an example, buy everyone a new engine and transmission and still stay in business. So let’s look at the realistic options:

    Some dealer groups and used-car chains offer their own CPO warranty programs, but coverage is usually minimal. CarMax. which has more than 100 locations across the country, certifies its own cars, and everything it sells has a “limited 30-day warranty,” which is actually 60 days in Connecticut and 90 in Massachusetts due to local laws. CarMax also offers “MaxCare ,” an extended service plan that expands the coverage to most of the mechanicals except for wear-and-tear items, fluids, wheels, glass, and trim. Check the website, which details what is and isn’t covered. Prices vary according to the coverage and car.

    There are also aftermarket warranties: In December 2009, we checked these out, and we didn’t like what we saw. A cluster of companies, most based in the St. Louis area, used high-pressure tactics to get signatures on warranty deals. One of the biggest, US Fidelis, previously known as National Auto Warranty Services, went bankrupt. and at least two of its executives went to prison.

    To avoid a scam, look for a company that has been in business for a long time. EasyCare. for instance, has been around since 1984. It was formerly purchased and owned by Ford, but the company’s employees and equity partners bought it back in 2007. The company sells its contracts outright, or through more than 2000 dealers, and while it recommends that you use the selling dealer for service, any licensed repair facility is acceptable. There are four different levels of coverage, and price varies by the level, the vehicle, and its mileage. The costs, however, are often negotiable.

    Nine Warranty-Buying Tips:

    1. Never buy a warranty based strictly on a phone sales pitch.

    2. Always have a contract in hand for review before you make a decision.

    3. Don’t be taken in by “today only” price pitches.

    4. Every contract has an “insurer” or “underwriter.” Find out who that is and check the company at ambest.com. the website for A.M. Best, a century-old insurance-rating service.

    5. Make sure you know your deductible, and that it is only charged once per repair visit.

    6. Never buy a warranty based on the performance of a product—a bottle of magic liquid, for example. That tactic is a way around certain consumer-protection laws.

    7. Buy from a company that pays directly for repairs, not one that says it will reimburse you.

    8. Extended warranties are often transferable. When you purchase a car with an extended warranty, paying a transfer fee (which usually varies by state) will transfer the remaining coverage.

    9. Get the refund policy in writing. If you sell the car and don’t transfer the warranty to somebody else, you should be entitled to a refund for the unused portion of the warranty.

    Dealership car auction of Los Angeles #cheap #auto #parts #online


    #dealer auto auction
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    Online Dealership Auto Auction

    Customers’ reviews

    The most safe auctions are insurance auto auction, I have experienced and know for a long time about it. Repokar car auction includes Insurance auctions and I recommend to all only such websites to buy or sell a car. Thanks!

    I’ve bought two cars at Repokar and both times have been great experiences. They are easy to deal with and the cars a solid used cars. They are affordable but yet very reliable. I always go to there also to see what they have when I am in the market for a car, because I like they auctioning

    Thank you for making selling my old car painless. They bought the car on the spot. You had make me and my neighbors happier. If you need to get rid of a car, call these guys they will help you to sell your cars quickly

    Directory of Junk Yards in Orlando Auto Salvage Yard Parts #compare #auto #insurance


    #auto junk yards
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    Junk yards Orlando

    (ABC AUTO) This well known junk yard Orlando can be heaven for a mechanic or a person that loves to fix their own vehicles, or just someone trying to save a bunch of cash by bypassing the dealer or auto repair shops. They also buy junk cars, pay cash for used cars and sell used auto parts Orlando. One of the biggest junkyards in Orlando.

    Best Used Auto Parts In Orlando keeps many older vehicles in supply with hard to find or rare used auto parts. Since this junkyard is mostly a car crushing and recycling business, there are a few different procedures. This is a you-pull-it salvage yard and you must bring your own tools before heading out to their location. Also, they crush cars rapidly and you will need to stop by to check the wide dynamic junkyard inventory.

    Junk Cars FL in Orlando, FL can help you find a large variety of car parts foreign and domestic. They handle all junk car removal needs and will give you cash for junk or used cars all over Orlando serving: Melbourne, Kissimmee, and Orange County and surrounding cities. Their Scrapyard provides customers with an easy way to sell to junk any car, truck or van for cash.

    One of the largest junkyards in Orlando, Florida. You’re invited to come and discover why they have the highest customer satisfaction rate in town.

    U Pull N Save Junkyard is located in Fort Myers, Florida. The largest self-service auto parts yard in southwest Florida. Visit their location on Martin Luther King Jr. Blvd to check their junk yard inventory of used and scrap vehicles. Admission fees may apply.

    They offer free junk car appraisals and can pay out superior amounts of cash for junk cars and salvage automobiles. Lots of used car parts at this location.

    Used Motors, Used Engines, Used Batteries, Used Tires more.

    Customers please be aware that a few of these top local junkyards in central Florida will charge an admission fee to enter their establishment. You can be sure that they have all types of used and genuine auto parts and salvage car parts such as: used batteries, used tires and rims, alternators, used engines, transmissions, starters and more. For more details on finding your specific auto part, please call our toll free hot line at 877-547-7533. You can also check our gallery of used car parts. If you are unable to successfully fix your vehicle, you can always sell your used or scrap car to one of our auto salvage yards or cash and free towing.

    Doan Family of Dealerships #nappa #auto #parts


    #auto auction ny
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    Doan Pre-Auction Outlet

    The Doan Pre-Auction Outlet is Upstate NY’s finest pre-owned vehicle supplier!

    Are you looking for a pre-owned vehicle? If so, look no further than the Doan Pre-Auction Outlet in Rochester, NY. We have a wide selection of quality pre-owned vehicles starting at $4,995! To help you save thousands, the Doan Family of Dealerships brings our trade-ins to the Pre-Auction Outlet. Before hitting the auctions, these pre-owned vehicles are fully inspected and ready to drive off the lot. Whether you are in search of a car, truck, SUV or minivan, with over 70 vehicles on our spacious lot, the Doan Pre-Auction Outlet likely has just what you’re looking for!

    How can we help you?

    Whether you’re searching for your next car, or parts and service for your current vehicle, our various departments can help you with all of your automotive needs! Our departments include:

    Sales Department

    Our sales department has one purpose: to exceed your expectations from test drive to delivery. Our professional sales team is committed to a no-pressure, high integrity approach to your ownership experience. Our goal is for you to feel that the vehicle you drive away in is the perfect one for you. Our online inventory of new and pre-owned vehicles is updated daily.

    Service Department

    Our service department offers the best in automotive service to our customers. Our state-of-the-art facility features the most current diagnostic and repair equipment available and our highly skilled factory-trained technicians will deliver efficient, quality vehicle care.

    Parts Department

    Manufacturer recommended parts are an important part of maintaining your vehicle’s optimum performance. We offer the same high quality parts your vehicle was built with and we keep a large inventory of these certified parts in stock at all times.

    Finance Department

    We have assembled a team of professionals specializing in a variety of financial solutions. We work with many financial institutions to assist every customer with their unique credit needs.

    We invite you to stop by our showroom to experience all that we have to offer. Before you buy somewhere else, give us a call at 877-562-2085, or stop by our convenient location at 4600 Ridge Road Rochester, NY 14626.