Car Insurance, Compare Car Insurance Quotes, iSelect, quote on car insurance.

#Quote #on #car #insurance


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    Our sales consultants know their stuff. Their smarts, combined with our technology, means you can compare and find the right car insurance for you.

    Comparing some of Australia’s biggest car insurance companies.

    We compare plenty of partners and products across our range of services, so you can rest assured you’re making the right choice. While our range of products is always growing, we don’t compare all products in the market.

    Insurance needs can change.

    Your car insurance needs can change, and our consultants will help you find a great deal to suit your circumstances. So whether you’re a first time driver, insuring a new car or reviewing your policy, we can always help.

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  • Elenco dei siti ufficiali delle Assicurazioni Online, assicurazioni on line auto.

    #Assicurazioni #on #line #auto


    Elenco siti ufficiali Assicurazioni Online

    Uno dei (pochi) veri segreti per risparmiare sulla assicurazione RCA auto e moto è quello di fare diversi preventivi e confrontarli tra di loro. Non esiste infatti una compagnia che è sempre più conveniente di altre. E invece vero che a seconda del proprio profilo di rischio, del tipo di vettura e dei propri dati anagrafici, potrebbe essere più conveniente luna o laltra.

    Noi vi consigliamo dunque caldamente di utilizzare i preventivatori presenti nei rispettivi siti… inserite i propri dati e andate alla ricerca della convenienza!

    Indice dei Contenuti

    Compagnie assicurative online: la nostra selezione

    Per facilitarvi il compito, vi riportiamo qui di seguito una lista con lelenco delle principali compagnie di assicurazioni che operano online e telefonicamente.

    Elenco delle assicurazioni online: ecco tutti i siti ufficiali

    I comparatori

    Sul web esistono anche dei cosiddetti aggregatori ovvero sei servizi online che propongono in maniera automatica un confronto dei prezzi delle principali assicurazioni: questi preventivatori, tra cui Tuopreventivatore realizzato dallente ufficiale IVASS (ex ISVAP), in verità non tengono conto di particolari promozioni o di campagne temporanee, per cui per avere risultati attendibili al 100% è bene farsi i preventivi manualmente.

    Un ultimo consiglio prima di passare allelenco: mettete da subito in conto di pagare la vostra polizza con la carta di credito: i pagamenti con questa modalità sono immediati (utile se avete urgenza di usare la polizza) e tutte le compagnie online lo incentivano offrendo volentieri uno sconto per questa modalità di pagamento.

    Elenco siti ufficiali

    Ecco lelenco delle assicurazioni online che vi segnaliamo:

    • Direct Line qui fate attenzione alle modalità dellofferta presente. Ogni mese cè una nuova offerta, che prevede solitamente la stipula del contratto con un certo anticipo.
    • Genialloyd una delle compagnie online più scelte in Italia, grazie a buone coperture dei massimali e prezzi mediamente convenienti.
    • Zurich Connect divisione online di Zuritel.
    • Linear Assicurazioni online di Unipol.
    • Genertel fa parte del principale gruppo Italiano, Assicurazioni Generali.
    • Quixa una delle ultime arrivate, propone un servizio clienti personalizzato con un operatore di riferimento.
    • ConTe.it fa parte di un grande gruppo Inglese, marchio Admiral.
    • Dialogo del gruppo Fondiaria SAI, buoni prezzi.

    Per ognuna di queste trovate la scheda personalizzata nella nostra sezione Compagnie nel menu in alto, con lopinione del nostro esperto.

    Ci piacerebbe avere il vostro feedback su quale avete trovato più conveniente per il vostro profilo, scrivete pure qui sotto indicando età, classe, sinistri, tipi di vettura e provincia di residenza.


    How Do I Calculate APR on an Auto Loan? #peters #auto #mall


    #auto interest calculator
    #

    How Do I Calculate APR on an Auto Loan?

    There is nothing like buying a new car. That new car smell, the safety features and the process of calculating the APR on your auto loan it s definitely a memorable experience. APR stands for annual percentage rate and is the basic counterpart to the interest rate that the borrower needs to pay on a loan. When trying to calculate APR on an auto loan, APR helps to compare rates offered to the consumer across the board.

    The best way to calculate APR on an auto loan is to use an online rate calculator, which are numerous and can be found throughout the internet. You can even find one that will calculate your auto loan amortization .

    Since use this auto loan calculator to help determine the APR, the use the time saved calculating those numbers to research your credit score to ensure a good APR offer, or comparing auto loans to find the best offer based on your history and thoroughly researching the car you intend to purchase. With all this knowledge at hand, you will have all the skills needed to get the best car purchase deal possible.

    Helpful Tips on How to Get a Car Loan from Nationwide #automobiles


    #national auto finance
    #

    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Get Helpful Information on How to Get a Car Loan

    We understand that the process of getting a car loan can be confusing. That’s why we’re prepared to help you learn how to get a car loan and make smart decisions every step of the way.

    Car financing tips

    If you want to lease or buy a new or used car, first you should think about how you’re going to finance it. Auto loan financing can be a great way to afford a new car, but it’s important to prepare yourself as much as possible before making your purchase. Start by using our auto loan vs. car lease calculator to help you determine which option is right for you. We know you’re anxious to start driving a new car, but don’t lose sight of the investment.

    Getting a car loan through a dealership is not always the best option, as you can wind up paying more than necessary. Consider getting preapproved for your auto loan from a bank instead.  By knowing how much financing you have before you go to the dealership, you can keep the focus on the price of the car. Plus, being preapproved for a specific amount can keep you from being tempted by a car that’s above your budget.

    Know your credit score

    Your credit score has a large impact on the interest rate you receive for your auto loan. When you apply for a loan, lenders will run a credit report that looks into factors such as your payment history, the length of time you have been using credit and the amounts owed. The higher your credit score, the lower your interest rate may be. Review your credit score and look for any flaws in your payment history of loans, credit cards or other debt. If you can delay buying a new car for a little while, spend some time improving your credit score by making regular payments and paying off existing debt. By doing so, you’re likely to get a better interest rate on your auto loan, which means paying less on what you borrow.

    Review your budget

    Take a look at your budget to determine the amount of a monthly car loan payment that you can comfortably afford. Knowing what is and isn’t within your means will help you stay on track during the car loan financing process. You can also easily figure out your monthly car loan payments with our auto payment calculator.

    Compare prices

    If you know the make, model and year of the car you want to finance, do some price comparisons to estimate the amount of the auto loan you would need. If you don’t know what kind of car you want to buy, you can get preapproved for an auto loan using the same application. This means that when you find the right car, you’ll already have the financing in place to buy it.

    Apply for car loan financing

    At Nationwide Bank, you can finance your car entirely online at your convenience. It takes just a few minutes to get preapproved. After that, you can use Nationwide Auto Shopping Service to learn what people in your area are paying for similar makes and models. Once you’ve found the car you want to buy, you can complete the loan and sign your loan documents online.

    Save when you choose automatic loan payments

    Sign up for automatic payments on your car loan instead of paying by check each month. At Nationwide Bank, we offer a 1% discount on auto loan rates for people who choose automatic payments. That means you can save money and maximize convenience. Plus, you can choose when to make your monthly payment so it fits within your budget.

    Compare Rates on Car Loans #woodbridge #auto #auction


    #auto loan
    #

    Compare Rates on Car Loans

    There is a method to buying a new vehicle, and this includes such things as price, color, budget, warranty, and other considerations that are most important in the potential purchaser’s mind. But the place that really needs to be considered first of all is the financial area, because without this vital item, the chances of purchasing that new vehicle would probably only be a dream for many people desiring some new transportation. There are a number of ways in which to address this aspect of a new car purchase, but rest assured, without taking the proper time and due diligence to investigate the various aspects of car financing, many shoppers are left confused after sitting down with the financial people at the auto dealership.

    This untimely mess doesn’t have to be a part of the purchase agreement if the right steps are taken before the process of searching for a new car even begins. Consumers in the know will start off by locating a fair number of auto financing institutions, and try to get pre-qualified for a car loan before even going to a dealership to look for a new ride. Although many individuals have a good credit rating and can get auto financing through the financial services at the dealership, there are times when this might not be good enough, or the deal is not the same type as available through a third party. The possibility also exists that the loan application may be turned down without the proper authorization, so that is another good reason for going the extra mile first.

    Usually people with a good credit history will have no trouble getting an auto loan approved by almost any lender. There is built-in equity with every car that provides some type of insurance in case a problem arises when paying off the loan itself. For those individuals with a poor credit rating however, they are likely faced with the possibility of a higher interest rate for their loan application, because lending institutions consider them a poor risk, and likely to default on the agreement. Consumers in this situation sometimes have little choice but to agree to this type of financing if they need to purchase a new vehicle. It really doesn’t matter a great deal to the high risk group, but it is important to try and obtain financing through another party other than that of the auto dealership, because then there are other options available, and the best rate most likely will be garnered.

    With the growth of online technology, many lenders are now establishing themselves as a major broker for these types of services, and they make it easy for any individual to apply for auto financing right from the comfort of their armchair. It is important to have all of the proper paperwork ready to input, because this help to verify the proper credit rating, and will quickly indicate what types of plans are available for the particular vehicle under consideration. When this process is completed, there will be a set amount of money offered, which will give a consumer the starting point to begin looking for a new car.

    The very best way to get financing for an automobile is to go through the pre-qualification process through any number of lenders, both online and off. The online route has its advantage because there is no need to go from place to place in search of the best deal that is available. It can all be done right from the computer, and those individuals with a good credit rating have a wide variety of choices from which to select the best deal.

    This entire process starts by first going to the bank or credit union to be used for financing. Many times consumers can get a much better deal than through financial firms that specialize in the area of new car loans. It is easy to get started, and with information from a past lender, it is simple to get approval based upon past history of successful repayment of another loan.

    For those people with a poor credit history, it is still possible to get the pre-qualification status from a sub prime lender. This can be done online or through a broker. The pre-qualification process is the same as any other loan. The only difference is the personal information supplied by the consumer is the basis for the process. An offer is extended if successful.

    An official application then follows that step. After the application is verified, and proof of income established, the loan itself is either accepted or rejected.

    Classic Cars For Sale. Find Classic Cars For Sale on #gmc #auto #parts


    #old cars
    #

    Classic Cars. Classic Cars For Sale.

    Classic cars are meant to be shown off.  Every year there are thousands of classic car shows around the world.  FossilCars.com offers a unique online market place with thousands of these great cars for sale from all over the world.  We have cars for sale in every make and model from American classic like Ford, Chevr. olet, and Chrysler to foreign classic imports like BMW, Mercedes-Benz, Porche, and British cars.  The selection updates daily to check back often to see what new vintage cars have been added.

    The definition of a these types of cars differs depending on who you are speaking with, but it is safe to suggest that you know these cool cars when you see one. There is an organization called the Classic Car Club of America, and they define these cars as being between 20 and 45 years old. The reason why they only go back as far as 45 years is because they feel as though cars that are older than that fall into the category of “antique” cars. There is also the requirement that the particular years and models of these cars be of considerable value when they were new and somewhat rare.

    It is also specifically defined by the motor vehicle departments of the individual states for automobile registration purposes. Most states consider a car that is at least 20 year old and  maintained or restored to a condition that is similar to its original appearance as intended by the manufacturer to be “classic.”

    FossilCars.com is the best resource on the web for all types of old cars.  Not only do we offer thousdands of vintage cars for sale in our classic classifieds section, we also have an active car community, car forum, and car blog.  In addition to our community features we also collect and post car resources for owners to find services such as car insurance, financing providers, transportation services, car part suppliers, inspection services, and suppliers of manuals.

    (Learn More About Classic Cars) (See less)

    Showing results 1 to 20 of 3922

    Classic Cars For Sale on. Free Advertising for Classic Car Traders. Vintage #auto #diagnostics


    #sports cars for sale
    #

    Latest Classic Cars and Bikes

    Listing 34 adverts

    Lotus Esprit Turbo Limited Edition No. 004 of 025, 1987. Just two owners from new! Stunning in original factory colours of Cherry Red over Calypso Red and original gold leather and suede interior with

    Lotus Elan S4/SE DHC, 1970. Last owner for 30 years! During his tenure the Elan has had a replacement galvanised chassis and a fully rebuilt engine by the well-known Miles Wilkins of Fibreglass Services.

    Lotus Elan+2S130/5 JPS, 1973. Genuine rare example and No. 67 of 115 Elan Plus Twos built in JPS form. Nut Bolt chassis rebuild to exacting standard. Oatmeal interior with cloth inserts. The Special

    Lotus Seven S4, 1971. Lovely example in classic British Racing Green with original black seats. Recently MOT’d and Road Tax fee exempt. Lovely 1600 Ford crossflow engine and sweet 4 speed gearbox.

    Caterham Seven 175 Roadsport SV, 2010. One owner and only 3,950 miles. Stunning original condition. The Roadsport 175 is the most powerful of the Roadsport range with the stunningly powerful 2.0L

    Ford / Lotus Single Seater Racer / Road 1.8 Zetec, 1961. Daytime MOT for road use and recently set up for the track. Reminiscent of the early Lotus Formula One racing cars such as the Lotus 25 that Jim

    Ford / Lotus Single Seater Racer / Road 1.8 Zetec, 1961. Daytime MOT for road use and recently set up for the track. Reminiscent of the early Lotus Formula One racing cars such as the Lotus 25 that Jim

    Lotus Europa Special JPS Big-Valve 5 Speed, 1974. L.H.D. Just 18,900 miles from new! Stunning authentic condition and a beautiful machine to drive as would be expected from such a low-mileage example.

    VW Split Screen Busses Wanted. 1950-1967 Please call us today if you would like to sell your VW Split Screen bus as we are always looking to buy busses for stock or can also offer a commission based

    Lotus Cortina MKII Cortina. Original 1967 V5 (from a MKII series 1). Series 1 Dashboard (with clocks on top of dash) has been fitted by the former owner as he liked the configuration above the clocks

    If you own a Caterham Seven and are looking to sell it then please call us today to discuss a straight sale or a commission based sale. We are always looking to buy cars for cash and will pay top prices

    Lotus Esprit S1, 1978. A rare chance to acquire the iconic ‘James Bond’ Esprit and the definitive shape of this great car. Glorious paintwork throughout and many small detail fittings replaced during

    VW Split Screen Busses Wanted. 1950-1967 Please call us today if you would like to sell your VW Split Screen bus as we are always looking to buy busses for stock or can also offer a commission based

    Lotus Elan S3 FHC, 1967. ROAD/RACE CAR. Fully prepared and successful racing Elan in superb ready-to-race condition. Built on a 26R style non-galvanised chassis to exactly standards by Bryan Wills

    We are very proud to once again offer this very beautiful bus for sale that we previously sold to a local gentleman just over a year ago. The owner has since decided to sell the bus, as he simply did

    Caterham Seven 1700 Super Sprint, 5 Speed De Dion, 1990. Superb example we have sold twice before and fitted with the well-known Steve Parker Racing (SPR) uprated Ford X/Flow engine with a Dyno reading

    Caterham Seven 2.0L Dunnell Zetec, 5 Speed, 2002. Superb specification with the well renowned Dunnell prepared Ford Zetec engine with it’s smooth power band and torquey performance. Leather adjustable

    Ferrari California 4.3 V8 2+2 2009 (July). 14,050 miles. Rosso Scuderia with Quilted Crema Hide with Rosso Diamond Stitching. Bordeaux carpets. Carbon ceramic brakes. Rosso Scuderia Brake callipers.

    An absolutely stunning example of a 1970’s Pontiac Firebird finished in stunning Diamond Black with matching black cloth interior. Very desirable colour combination and subject to a recent bare metal

    Chilton Service and Repair Manuals on Sale: Best Prices #auto #plac


    #chilton auto repair manual
    #

    Chilton Service and Repair Manuals on Sale: Best Prices, Fast and Free Shipping US48

    Here are eleven compelling reasons why you should purchase your Chilton manual from us.

    1. Best prices! Fast and Free Shipping US48 – Most customers who select Free Shipping receive their manual(s) within 5 days!
    2. Items are in stock
    3. We ship your purchase the same or next business day
    4. We answer the phone, and your questions
    5. You are covered by our exclusive Lowest Price Promise
    6. We are rated A+ by the U.S. Better Business Bureau
    7. You are protected by our 30-day Money Back Guarantee
    8. We have served nearly three quarters of a million customers since 1997
    9. The books you get are brand new
    10. Our site is secure and checked daily by Trust Guard
    11. We are an authorized reseller for all major automotive publishers

    About Chilton Repair Manuals.

    Chilton manuals are the most complete automotive repair manuals you’ll ever use.

    All repair, service and maintenance procedures are supported by detailed specifications, exploded views, and clear photographs.

    We stock for immediate delivery:

    • Car Repair Manuals
  • Truck Repair Manuals
  • Van, Minivan Repair Manuals
  • Chilton manuals have been around for decades and they’re one of the most recognized brands in the do-it-yourself automotive field. The manuals they produce are written for the guys who are not afraid to tackle car maintenance or repairs themselves. The easy-to-follow textual instructions, sharp photos and illustrations allow anyone with some basic tools and a desire to learn to do the work themselves. This can save you time and money!

    Plus The Motor Bookstore’s 30-Day Money-Back Guarantee insures that you are getting the right Chilton repair manual for the job, and for the right price.

    From the simplest repair procedure to the most complex, trust Chilton manuals to give you everything you need to do the job right, with the confidence that only a Chilton Repair Manual can provide.

    Total Car Care for the do-it-yourselfer.

    Video Transcript: Hello,

    Let’s talk about Chilton Repair manuals.

    Chilton was founded in 1904 and has been a favorite among do-it-yourselfers ever since.

    Chilton manuals are written so that you can easily understand them without having to be a professional mechanic, and they are filled with hundreds of pictures that clearly illustrate the service and repair processes detailed in each manual.

    All of these features make Chilton books a must-have when working on your vehicle!

    The Motor Bookstore stocks the complete line of Chilton manuals, so when you’re ready to maintain, service, repair… even restore your car, truck, or van, check out our inventory

    The Motor Bookstore is an Authorized Chilton Manuals Distributor.

    And in case you’re asking yourself, “Why should I purchase repair manuals from The Motor Bookstore?” that’s a good question, and one you should ask every time you visit an online store.

    As a side note, we want to clarify that there are no Chilton motorcycle repair manuals. even though we constantly hear the question and we can see how many people search our website for that particular term. The only one that we’re aware of that has been published on the subject, is the Chilton Motorcycle Handbook. released in 1998.

    As far as Chilton ATV repair manuals, the same applies, with the only manual on the subject being the Chilton ATV Handbook. released in 1999.

    Any feedback on Warranty Direct and AA Auto Warranty? (Car Warranties Extended Warranties) #tunkhannock #auto #mart


    #auto warranty reviews
    #

    riosouza 09/05/12 3:09 pm PST

    Edit Answer (for another -1 minute)

    I never used AA but STAY AWAY FROM WARRANY DIRECT, YOU WILL HAVE ONLY HEADACHES AND DENIED SERVICE CLAIM.

    I typically don’t write reviews but Warranty Direct really blew my head off when I need them, they will deny your claim or at least make you pay for it.

    Even their road assistance service is nasty. I was driving and my F350 leaking water, pulled over to a gas station called the Warranty Direct (WD) for road assistance ant they say we pay the first $50 for the wrecker and you pay the rest. Well it would be fair enough if their wrecker didn’t gave an estimate for $100 to tow my truck to a mechanic shop for 1.2 miles from the gas station where my truck was. I called 3 local towing companies and their rates were $50, $60 and $45 and I ended up $45 paying from my pocket which was cheaper than using WD pathetic road service.

    Now the worse part, the mechanic found out the EGR cooler is messed up, called the WD and they DENIED the claim saying the EGR cooler is not included to my policy which has EGR recirculation system listed as covered. But they said the cooler is not part of it, really?

    Anyway I paid over then $3,200.00 for a stack o paper they call policy that does not worth the paper they use in the toilet.

    I read all the other complains about the company, but I people were not being honest, or even WD competitor was writing it. But now I paid a very high stack of money to find out how bad and worthless WD direct is.

    The main reason they are still in business is because of the people buying insurance with them, and some never use it or ended paying for part of the service because the majority of the population in US doesn’t know anything about mechanics, so these poor people swallow whatever WD tell them.

    They will discretely say “shut up and pay for it because you can’t do anything against us”.

    If you save the money that you will pay for the insurance, and pay for all the maintenance you would have for your coverage, you will still have money at end.

    Be wise and keep your hard earned money.

    Bid On & Attend Auctions By Capital Auto Auction of Washington, District of Columbia, (DC) – Auctioneer Home #standard #auto #parts


    #capital auto auction
    #

    Capital Auto Auction has been in business in Washington DC since 1989. As native Washingtonians, we are proud to be doing business in Northeast Washington.

    On February 4, 1989 we opened our doors in DC. We have sold thousands of vehicles. Our 60,000 sq ft facility is centrally located. We draw customers from DC, and both the Maryland and Virginia suburbs. There is plenty of parking at the auction warehouse, which is right across the street from the Main Post Office. December 11, 1996 we opened Capital Auto Auction of Philadelphia. We now have two big auctions per week held on Wednesdays, and Saturdays due to the great response in Philadelphia. We are right off of Route 95 at Cottman Avenue. You can’t miss our sign! November 18, 1999 we added our third Capital Auto Auction in Manchester, New Hampshire. We now have auctions weekly, every Saturday, rain, snow, or shine. We look forward to serving our New England neighbors. We are easily accessible to Boston and the vicinity, Route 93N to route 101E, exit 1 on the left.

    We have vehicles for every budget and need – from family mini-vans, to sports cars, to the occasional boat, camper, and motorcycle. The selection varies from week to week, but there are always good, clean, used cars at excellent prices. Capital Auto Auction sells vehicles that are auctioned off by our professional independent auctioneers. The bargains are outrageous.

    We also take vehicles on consignment. We do the advertising. We show it off. We take the phone calls. You sell your car. If there is ever a problem with a sale, we at Capital Auto Auction will do everything possible, and fair, to satisfy both the buyer and the seller.

    Capital Auto Auction is a public car auction…Everyone is welcome. Come and share in the excitement of a live auction!

    Military Discounts on Auto Sales #refinance #auto #loan


    #military auto sales
    #

    Military Discounts on Auto Sales

    Military.com | by Heather Sweeney

    Are you thinking about buying a new car but overwhelmed by the cost? Many automakers want to show their appreciation for military families by offering special pricing on their vehicles. Whether you re returning after an overseas tour or you re just ready for a new car, make sure to take advantage of the military discounts offered by a variety of automakers, both stateside and abroad.

    Stateside Auto Sales

    Acura

    Acura has a Military Appreciation Offer, which includes $750 toward any 2015 or newer model year Acura when you finance or lease through Acura Financial Services. This offer is valid through January 4, 2016.

    Ford

    Ford Motor Company offers military members and their families a $500 Bonus Cash Offer good toward the purchase or lease of an eligible new 2014/2015/2016 model year Ford vehicle.

    General Motors

    General Motors offers active duty members, reservists, retirees, spouses and veterans within one year of discharge savings and incentives on eligible Chevrolet, Buick or GMC vehicles.

    In addition to their regular discount, GM typically offers a special discount in honor of Military Appreciation Month. All active, reserve, retired and veteran military — regardless of separation date — can receive the General Motors military discount on Chevrolet, Buick, GMC and Cadillac vehicles. Check back in May for details.

    Harley Davidson

    Harley Davidson offers a military discount that includes no down payment, reduced rates and flexible term options designed for active duty military personnel.

    Honda

    The Honda Military Appreciation Offer includes $500 toward the purchase or lease of any new 2015 or 2016 model year Honda automobile. This offer is valid through January 4, 2016.

    Hyundai

    All active duty, Reservist/National Guard, veteran and retired military personnel will receive an additional $500 off all 2014 and all 2015 model year new Hyundai vehicles distributed by Hyundai Motor America. The offer is good through January 4, 2016.

    Kia

    Kia offers a Military Specialty Incentive Program ($400 incentive) for qualified customers on new vehicles purchased between November 3, 2015 and January 4, 2016. (Even if this deal has expired, check with your local dealership to ask about the program and possible new dates.)

    Nissan

    Military personnel qualify for Nissan’s Vehicle Purchase Program. Some of the benefits of this program include a No-haggle buying experience, VPP discount can be combined with all eligible offers and incentives, NMAC/IFS lease specials, and APRs still applicable.

    Scion

    Scion offers active duty, inactive reservists, retirees, veterans discharged within one year, and household members a $500 rebate toward the purchase or lease of a new Scion.

    Toyota

    Active duty military, inactive reservists, retirees, veterans discharged within one year, and household members qualify for a $500 rebate on all new Toyota vehicles.

    Overseas Auto Sales

    Are you stationed overseas? There are several military sales programs available to help you purchase a discounted vehicle while you re abroad.

    Exchange New Car Sales

    Exchange New Car Sales is a worldwide organization that is the only on-base, factory-authorized distributor for Chrysler, Dodge, Jeep, Ram, Ford, Lincoln and Harley-Davidson to military personnel stationed, or on TDY assignment, abroad for at least 30 days. The program offers military rebates, military pricing, lowest price guarantees, and more.

    Military AutoSource

    Military AutoSource is the factory-authorized military distributor for U.S. specification Audi, Mercedes-Benz, Toyota, Volkswagen, Nissan, Infiniti, and Honda vehicles. The MAS program offers exclusive savings and benefits including military pricing, lowest price guarantee, emergency payment protection, and more.

    Audi

    The Audi Military Sales Program offers discounted vehicles to U.S. military personnel stationed overseas.

    BMW

    BMW Military Sales is a privilege program designed specifically for US service personnel overseas. This program includes significant savings with military discounts and tax-free purchasing.

    Land Rover

    Through the U.S. Military Sales Program, Land Rover offers military personnel stationed overseas the opportunity to purchase a Land Rover vehicle at a substantial savings over the normal Retailer MSRP.

    Saab

    The Saab Military Sales Program offers military personnel stationed abroad the benefit of buying a Saab on special terms, including tax free car sales, special military discount, free home shipping, and more.

    Volvo

    Volvo Cars Military Sales offers great benefits for military personnel on a tour overseas, including factory pricing, savings on equipment, five years free shipping from Europe to the U.S. and more.

    10 Tips for a Successful Car-Buying Experience on Craigslist – Feature – Car and Driver #auto #wheels


    #buy used cars online
    #

    10 Tips for a Successful Car-Buying Experience on Craigslist

    The vehicle listings on Craigslist are often light on graphics and always free of oversight, and cruising them can be an eye-opening experience. Usable at no cost for most sellers, half-truths are plentiful in the listings and vehicle histories rare, leaving it to you to connect the dots. (Very few people take our advice for selling a car online .) Yet Craigslist can be a highly effective tool for locating the car of your dreams. Here are 10 tips that should help you separate fact from fiction and satisfied with your purchase:

    1. Hone your search. Craigslist allows users to configure their search results to include dealers, private sellers, or both. If a warranty, certified pre-owned status, or convenience is high on your list of priorities, you’ll want to restrict yourself to dealer listings, as there’s no reason to waste time scrolling through pages of clapped out Fox-body Mustangs and worn-out work trucks. On the other hand, if driving for two-hours to look at rust-ravaged, Vietnam-era forward control Jeep that “ran when parked” is your thing, you already know the drill: private sellers all the way. Still, the “both” setting can be handy when looking for a nice commuter car or winter beater, as sometimes dealers will offer such things, although that practice is becoming less common.

    If you know exactly which vehicle you want and how much you’re willing to pay, CL offers the option of plugging those criteria in right at the top of your search. Doing so will narrow the offerings accordingly, facilitating a focused search and a rational purchase with a minimum of drama. (To cast a wider net, you can also use one of the many sites that allow you to search every local Craigslist across the country.) Of course, one could argue that a life that doesn’t include at least one late-night back-alley transaction involving a sagging Ford Torino, small farm animals, and some class-C fireworks isn’t really a life worth living.

    2. Size up the seller. It’s true you can’t judge a book by its cover, but the type contained within can be quite revealing. If an ad is composed in ALL CAPS and is accompanied by a couple of grainy images that resemble lo-res screengrabs from the Zapruder film, you’re probably in for a rough ride. Likewise, certain sellers like to spice up their ad with buzzwords and phrases like “air blows cold” and “stops on a dime,” which are actually thinly veiled code words for, “if [insert name of component or system in question] is still working when you buy it, it likely won’t be by the time you get the car home.” Bottom line: Judge the vehicle on it’s own merits and don’t believe the hype.

    3. Call first. Get as much information about the vehicle as you can on the phone—and always ask if more photos are available or can be taken, especially of problem areas—and try to pick up on the seller’s character. Do they sound composed or sketchy? Engaged or disinterested? There’s nothing worse than carving an hour out of your busy schedule to drive across town only to be greeted by a seller who says, “Well, I was just kinda throwing out a feeler, not sure if I really want to sell it at this point.” Of course, if their voice is tinged with the languid drawl or hyper-intensity of a narcotics aficionado, there’s a good chance they’re looking for a quick sale—cash talks—so quit reading and start buying! We kid, of course.

    4. The meet-up. As the buyer, it’s up to you to go to the seller. Meeting on common ground is always a good idea, and if the seller agrees, make arrangements to meet at a well-lit, mutually agreeable location, preferably one with lots of credible witnesses foot traffic. A local “cars and coffee” event is a good option, as is the parking lot of the local auto-parts store or speed shop. Of course, if the vehicle in question isn’t in running condition, you’ll have to visit the car where it sits.

    5. A word about vans. Nothing is more creepy and suspicious than two or more guys loitering around an unmarked, windowless lockbox on wheels in a parking lot. (Especially if your meeting place is near a school or government facility.) We love vans, too, but discretion is advised.

    6. Get an inspection. Be realistic. If the deal in question involves a decade-old pickup priced around $3K, it’s unreasonable to start bitching about surface rust or worn upholstery. Take it for spin, and thoroughly exercise the accelerator, brake, and, if applicable, clutch pedal and shifter. The steering and suspension will inevitably be looser than when new, but overt creaks, clicks, or clunks could indicate a potential safety issue. On the other hand, if you’re looking for a late-model daily driver for the wife to shuttle the kids around in—or you’re purchasing a classic—do yourself a favor and have it inspected by a reputable shop or expert in the make. A seller with nothing to hide will be more than agreeable.

    7. Negotiate. Everything on Craigslist is negotiable. Even if a seller states that a price is firm, the very nature of Craigslist and its low, low price of free for the listings encourages ambitious pricing. Haggling as portrayed on television, however, where the seller caves after a tense 15-second negotiation and lets the car go for half of the asking price rarely happens in the real world. It’s OK to start low, but insulting a seller with an absurdly low number can quickly sour a deal. To score a good price while retaining a modicum of dignity, try asking the seller what their bottom dollar is, and then counter with an offer 15 to 20 percent below that figure; chances are you’ll be within 10 percent of the actual number the owner needs to get the deal done. Always negotiate in person; the only thing cheaper than talk is a tactless e-mail. One last thing: Seal the deal with a handshake, as the human element imparts an air of finality to the deal that only a true psychopath could ignore.

    8. Make sure there’s a clean title. Talk is cheap, and when it comes to a missing or suspicious title, everyone has a story. Sorting out an unsound title or sourcing a duplicate is possible, but our experience proves it can be time-consuming and soul-crushing work. So unless the car in question is a once-in-a-lifetime opportunity, walk. You don’t need the hassle. If a bank or financing company still holds the title on a vehicle, ask the seller to make some calls to ensure everything is kosher, and that the title can be obtained and delivered without undue delay.

    9. The exchange. When it comes time to trade green for pink, you can’t find a better location than your personal bank. In addition to being the home turf for your money, banks generally have a notary public on staff who can witness signatures and emboss the bill of sale or other paperwork with their all-important official seal. Building a sound paper trail is a great way to protect yourself in any transaction, so don’t be afraid to ask the seller to take a certified check if the selling price is more than a couple of grand.

    10. The road home. At this point, the vehicle in question is yours. Unless spelled out in writing beforehand, the seller has every reason to expect you’ll be removing it from his property pronto. Suddenly announcing that you need to, “get my El Camino running first—to make room,” is of little concern to the seller. If your new vehicle needs to be towed, have arrangements in place; if it’s a driver, buy a pal lunch and have him drop you off. Before you leave, double check to make sure you have everything: the manuals, the spares, and the loose interior bits from that box that was in the trunk. Once the previous owner has your cash, they’ll have little incentive to track you down to hand off anything you forgot.

    Tips on Finding the Best Auto Loan Rates #used #auto #engines


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    Tips on Finding the Best Auto Loan Rates

    Page 1 of 5

    How to Find the Best Car Loan Rates

    Finding the best auto loan rates hasn t been easier than it is today, especially if you have excellent credit. An October, 2012 report by Automotive News said that banks are charging U.S. buyers the lowest interest rates on new-car loans since the Federal Reserve began surveying them in 1971. Additionally, Comerica Bank s Q2 2012 Auto Affordability Index shows that new vehicles are more affordable for the average American household than they ve been since the early 1980s.

    These trends, my friends, indicate a buyer s market. Quite literally, there hasn t been a better time to buy a new car. truck, or SUV since I was in junior high school.

    As favorable as market conditions might be, getting the best car loan rates still requires some effort on the buyer s part, unless, of course, you re taking advantage of a 0% financing opportunity. Rates don t get any lower than that.

    If your credit isn t perfect, or the vehicle you want to buy isn t available with zero-interest financing, you ll need to shop around for the best auto loan rates. On the pages that follow, we ll provide useful tips on finding the best auto loan rates.

    Page 2 of 5

    Know Your Credit Score

    Tip #1: Know Your Credit Score

    Before you shop for the best auto loan rates, it s helpful to know exactly what s on your credit report, and what your credit score is. There are three primary credit-reporting agencies in U.S. Experian, Equifax, and Trans Union and they are required by law to provide consumers with one free credit report each year.

    To obtain your free credit reports, it isn t necessary to contact each credit-reporting agency individually. Simply visit AnnualCreditReport.com and you can make a single request for all three reports.

    When your credit reports arrive in the mail, be sure to review them closely. If you find errors, be sure to file an individual dispute for every error discovered, and do this as soon as is possible. According to federal law, the credit reporting agencies have 30 days to verify whether the information on your report is accurate, or they must remove it from your record.

    Now that you know what your credit report contains, and what your credit score is, you re ready to try our tips for finding the best auto loan rates.

    Page 3 of 5

    Shopping Lenders for the Best Auto Loan Rates

    Tip #2: Shop a Network of Lenders

    Rather than approach financial institutions individually to discern the best car loan rates, try shopping for the best auto loan rates through a network of lenders, such as Lending Tree. With a company like Lending Tree, consumers can submit a request for a car loan and obtain the best car loan rates from several financial institutions.

    Approaching the task in this fashion saves time, and can quickly help a consumer find a competitive rate that serves as a benchmark for further competitive shopping.

    Tip #3: Shop Your Current Bank or Credit Union

    Once you know what the best auto loan rates are through a lending network, its worthwhile to visit the local branch of your existing bank or credit union to see if they can offer you a better rate. Be sure to take the best existing offer you have along for the visit, and ask your financial institution if they can beat your best deal.

    Oftentimes, because they re more familiar with your finances and bill-paying history, your existing bank can work with you to provide the best auto loan rates.

    Page 4 of 5

    Shopping Dealers for the Best Auto Loan Rates

    Tip #4: Shop the Dealer

    Car dealers have access to a wide variety of finance options, and can often provide you with the best auto loan rates. However, your chances of getting a great interest rate are improved if you walk through the door pre-approved with a loan because the dealer and its network of financial institutions will know that you re credit-worthy, and they ll know what rate they need to beat to win your business.

    And if they can t, don t worry about it. If you ve followed our tips on finding the best auto loan rates, you ve arrived at the dealership with a pre-approved loan that already meets your requirements.

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    Save Money on Auto Insurance #o #reilly #auto


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    How To Refinance a Car Loan on #performance #auto #parts


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    How To Refinance a Car Loan

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    When interest rates drop, refinancing your car loan could save you thousands of dollars.

    Say you bought a new car two years ago and there were a few dings on your credit. You might have been charged 9 percent on a five-year loan for a $23,000 car. Your payments are probably about $525 a month.

    Now let’s say your credit has improved, and so have interest rates on car loans. You could now refinance the balance of your car loan at 3 percent and lower your payments to about $445 a month for the remaining three years. That’s a savings of $80 a month and $2,880 over the life of the loan.

    Other examples could be even more dramatic. In some cases, an uninformed used-car buyer might have saddled himself with a car loan that has an 18 percent interest. By refinancing at a competitive rate, he could slash his monthly payments in half.

    Is there a downside to all this? No. That’s because, unlike home mortgages, many auto loans don’t charge prepayment penalties or fees to set up the loan. And consumers can complete the application process online in about 15 minutes.

    Car owners who are thinking about refinancing their auto loans should first locate their purchase contracts and check their term (the length of the loan), the balance (how much they still owe) and the current interest rate. This is especially easy for car owners who have their accounts online.

    Many lenders offer auto refinancing. Start by checking the refinancing rates offered by your own bank or credit union. Compare your results to rates listed for online lenders and other banks on a site such as Bankrate.com.

    On Bankrate.com, type in the name of your state and the closest city, and the site shows a list of lenders and their rates. Be sure to review the term of the loans, since different terms have different rates. Also, be aware that many of these lenders will run a credit check when you apply, which could have a minor impact on your credit score.

    Remember, as interest rates drop, auto loan rates follow. Why throw that money away by paying unnecessary interest? Visit the Edmunds.com auto loan calculator and see how much getting a new loan at a lower interest rate could save you.

    To find a dealership that knows how to treat shoppers right, please visit Edmunds.com’s Dealer Ratings and Reviews .

    How To Get Pre-Approved for a Car Loan on #repo #cars #for #sale


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    Pre-Approvals Make Car Shopping Easier

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    In a perfect world, we would all pay cash for our cars and never have to worry about debt or monthly payments. We would likely negotiate the sale price more aggressively with the salesman, because he would know that we had the money and could take our business elsewhere at a moment’s notice. In the real world, however, only a small percentage of people are able to save up enough cash to pay for a car in full. The rest of us have to finance.

    The problem with starting your car financing at the dealership is that you don’t know whether the loan you’re being offered is the best financing you can get. It can also complicate the negotiations and limits where you can shop to get the best price. The best way to counter this is to get pre-approved for your car loan. Getting pre-approved for a car loan is the closest you can come to the perks of paying with cash while not having to save up for months or years in advance.

    Where Can I Get Pre-Approved for a Car Loan?

    Auto loans are available from traditional banks (Chase, Wells Fargo), credit unions (Navy Federal, Boeing Employees Credit Union) or an online lender such as Up2Drive. Capital One or Blue Harbor. The interest rates and requirements will vary by lender, so it doesn’t hurt to shop around. Lenders will finance new cars and used cars, and some also offer car refinancing .

    What Are the Requirements?

    The advertised interest rates you’ll see on Web sites are usually reserved for those with good credit. If you have poor credit, however, there are still options. Lenders such as Auto Credit Express and Roadloans.com are more willing to take chances on consumers with shaky credit. The rates will be higher, but at least you’ll know what you can afford.

    If you haven’t looked at your credit score in a while, it is a good idea to do so. This will let you know what to expect when you’re applying for a loan. All consumers are entitled to one free credit report per year.

    Once you’re approved, the lender will give you the total you are allowed to spend and the interest rate for which you were approved. What you do next will depend on whether you are buying a new or used car.

    If you know the exact new car you want to buy, you negotiate for the car as you normally would and the dealer will get in touch with your lender to arrange payment. Some lenders have a list of approved car dealers, so make sure you verify that the place you are doing business with is on the list.

    If you are undecided about what new car you want, many lenders will give you a sort of “blank check” that isn’t limited to a certain car or dealer. The check isn’t truly blank, because its maximum amount will be the one for which you qualified. With this check in hand you can now visit multiple dealerships and test-drive as many cars as you want before making a decision on what to buy. Once you’ve found the right car for you. hand over your check and the dealer will make the arrangements with your lender.

    The requirements for buying a used car are slightly different. Most lenders will specify that the car must be purchased at a franchised dealership. This rules out buying from private-party sellers and independent dealerships. There are also restrictions on the age and mileage of the vehicle. Capital One. for example, says borrowers can only finance up to  $40,000. The vehicle must be 9 years old or newer and can’t have more than 100,000 miles on the odometer.

    If you wanted to buy a used car from a private seller or independent dealership, you would have to take out a personal loan, which usually carries much higher interest rates.

    Why Get Pre-Approved for a Car Loan?

    Pre-approval might seem like an extra step in the car buying process (which already has plenty of them). But there are good reasons to take a little extra time to get a pre-approved car loan:

    • It encourages you to stick to a budget: A pre-approval notice will let you know exactly how much you can spend. Keep in mind that you will need to account for taxes and other fees. In other words, if you have been approved for a $30,000 loan, try searching for something that costs a few thousand dollars less.
    • It allows you to compare interest rates: There’s no guarantee that you’ll get the best rate by getting pre-approved, but at least you’ll have a baseline to compare with the rates that dealerships offer you. It is likely that the dealer will try to beat the interest rate you already have. You can either tell the dealer you’re not interested or fill out the dealer’s credit application to see what’s offered. Automakers often offer highly subsidized loan interest rates as a means of getting people to finance with them. We keep track of these advertised rates on the incentives and rebates page on Edmunds.com, and it’s a good idea to check them.
    • It simplifies negotiation: Once you’re pre-approved, you can shop for the car as if you had a check in your pocket. This helps you keep focused on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. When asking for the price on the car, you can simply ask, “What’s the ‘out-the door’ price on this car?”
    • It reduces the risk of spot delivery complications: “Yo-yo financing” occurs when a dealer allows a consumer with shaky credit to take possession of a vehicle without the financing being fully sorted out. A few days later, the buyer gets a call from the dealer saying that the loan was not approved and that he has to bring back the car to either re-apply for a loan (usually with higher rates), or worse, come up with a larger down payment. Buyers can avoid situations like this if they have been pre-approved for a loan.
    • It saves time and hassle in the finance and insurance office: Car buyers dread the finance and insurance (F theoretically should be cut in half. And when the F

    Calculate Your Car Loan Payments Before You Decide on a Car #national #auto #rental


    #payment calculator auto
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    Calculate Your Car Loan Payments Before You Decide on a Car

    If you’re in the market for a new car (or even a used car that you can’t afford to buy with cash), you’re probably also in the market for a car loan. While car loans are usually much smaller than mortgages and home equity loans, the auto loan payments can still take a decent-sized bite out of your monthly household budget.

    You therefore need to do your research in order to find the most affordable car loan with the most desirable payment terms. As part of that research, you’ll want to estimate what your monthly payments will be for various loan amounts at different interest rates.

    Regardless of where the financing for your automobile purchase ultimately comes from, your credit scores will factor heavily into the interest rate you pay on your car loan. Much like mortgage brokers, car dealers need to ensure that loan applicants are ready, willing, and able to pay off a line of credit, so if you want to get financing through a car dealer, their loan department is going to run a credit check on you. That means checking out your credit reports and scores from at least one of the three major credit bureaus.

    Car dealers find themselves in an interesting spot these days. They need to sell cars to stay in business, but their customers typically require loans to afford car purchases, and the consumer credit industry is still much tighter than it was before the Great Recession occurred.

    Because of this dynamic, car dealers may be more willing to provide financing to consumers with poor credit scores than banks might be, but the basic lenders’ rule-of-thumb still applies: The lower your credit score is, the higher your interest rate will be and the bigger your monthly auto loan payments will be.

    (Keep in mind that there’s another dynamic at play when you take out a loan of any kind. Your record of making, missing, or remitting late payments on that loan will appear on your credit report and factor into your credit score. Missed or delinquent auto loan payments can quickly drag down your credit score, which can affect your ability to renegotiate your car loan or acquire another line of credit.)

    There are, of course, factors beyond your credit scores that help determine the ultimate amount of your monthly auto loan payments, including:

    • Dealer or manufacturer rebates. Rebates are usually offered at the end of a model year, when car dealers and carmakers try to reduce their inventory of unsold cars.
  • Trade-in allowances. Car dealers generally put a cap on how much they’re willing to reduce the selling price of a car when you trade in your current vehicle.
  • Your outstanding trade-in balance. If you’re trading in a car to the dealership where you originally bought it, and you still owe money on that car, the dealer will factor that amount into your loan application.
  • The size of your down payment. Obviously, the more money you put down upfront, the less you’ll need to borrow. Smaller car loans often mean better loan terms, because the lender’s risk is reduced.
  • Gap insurance. Gap insurance is typically required when a buyer offers little or nothing in the way of a down payment, especially if the buyer has poor credit. This insurance also protects the buyer, though; if your newly-bought car is totaled due to an accident, flood, or other calamity, you won’t be on the hook for the outstanding auto loan payments. If you finance through a dealership, any required gap insurance premiums are typically included in your monthly payments.
  • The loan term. Auto loans typically require full repayment within three to five years.
  • Your interest rate. As noted earlier, your credit scores will be used to determine the general range of your interest rate, but the factors listed above will also play a role.
  • Regardless of where you finance your car purchase, negotiating a car loan and determining your auto loan payments can be a complicated undertaking. Before you choose your next car, much less apply for a car loan, you should make every effort to estimate your auto payments as accurately as possible to help you determine how much you can afford to spend on your car purchase.

    FreeScore ‘s Auto Loan Calculator below can help you estimate your monthly auto loan payments. Through the calculator, you can enter any and all of the applicable information listed above to figure out how much you’ll end up paying for a car loan, including the total amount of interest you’ll pay over the life of the loan.

    Bank Repossessed Cars for Sale: Where to Buy Bank Repossessed Cars on Sale for Cheap #chicago #auto #show


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    Bank Repossessed Cars for Sale. Where to Buy Bank Repossessed Cars on Sale for Cheap

    Bank Repossessed Cars

    Sept. 27, 2009PRLog — Where can I buy bank repossessed cars for sale at great discounts. If this is what you’re thinking, you’re not alone. With the economic crisis stil among us, thousands of americans are turning to bank repossessed cars when buying their dream vehicles. And they’re saving thousands on anything from luxury cars to SUVs and 4x4s ( as much as 70% or more of their market value ). But, how do you find repossessed cars for sale ?

    Well, there are different ways to buy bank repossessed cars for sale. One of them is to buy your repossessed car at an offline public auction. You see, once the bank regains possession of the vehicle, the now “repossessed car” is sold at an auction as soon as possible, as a way for the lien holder to make some of their money back. Therefore, repo cars usually have a very low final price, and they’re usually bought by car dealers who want to resell them at a difference. Even though anyone can attend these public repo car auctions, they’re probaly not the best place to look for bank repossessed cars if you’re just beginning, since you’d be competing with proffesional dealers at their own game, and in their own territory.

    If this is your first time around and you’re interested in bank repossessed cars, buying repossessed cars for sale at an online auction is actually a better choice. Why. Well, you’ll be dealing with a territory that you probably already know, where you can easily check all relevant data in seconds: how much certain bank repossessed cars are being sold for, who the most reputable sellers are, how to contact other buyers, etc. And bargains are definitely to be found online as well, with savings of up to 70% or more, depending on the repossessed car’s condition. Also, there are some websites with lists of hundreds of repossessed cars for sale at the most important online auctions, all freely available to the public 24/7. If you’re looking for cheap repo cars to buy, this is most definitely the time to go for it.

    You can check updated lists of selected deals on bank repossessed cars for sale, repossessed 4x4s and SUVs at http://Repossessed- Cars-for-Sale.IncredibleProducts.info

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    Automobiles: BLS Spotlight on Statistics #murrays #auto #parts


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    Automobiles

    The U.S. automobile industry can be viewed as both a barometer and beneficiary of American growth and economic achievement. Supporting that view is the fact that the automobile industry affects industries that manufacture steel, glass, plastics, and rubber, as well as those that refine and sell gasoline, build roads, and maintain, repair, and sell motor vehicles.

    Motor vehicles also affect our daily lives. In 2010, on an average day, 67.6 percent of the civilian noninstitutional population aged 15 and over drove; those who drove spent on average 1 hour and 18 minutes driving.

    (Source: ATUS )

    The structure of the U.S. automobile industry has changed. Several domestic automakers have lost market share to foreign-owned manufacturers, which now manufacture and sell an increasing number of cars in the United States and throughout North America.

    In this Spotlight we present BLS data to provide insight into employment within the motor vehicle and parts manufacturing industry, motor vehicle-related expenditures on the part of U.S. households, injuries experienced by those who work on motor vehicles, and industry productivity.

    The Price of Automobiles

    Price is an important consideration to consumers when they begin the search for a new, used, or leased automobile. Since mid-2008, the prices of new, used, and leased cars and trucks have been more volatile than in previous years. The price of leased cars and trucks increased from October 2007 to November 2009, while the price of used cars and trucks declined from June 2008 to September 2009. In contrast, the price of leased cars and trucks declined from January 2010 to September 2011 while the price of used cars and trucks increased from October 2009 to September 2011. In comparison to prices of used and leased cars and trucks, prices of new cars and trucks have typically increased and decreased at smaller rates since 2003.

    What We Spend on Vehicle Expenses

    Household expenditures associated with maintaining and operating a vehicle vary by region. In 2010, households in the Northeast region of the United States spent, on average, more on vehicle insurance than the amount spent by households residing in other regions. Compared to households residing in other U.S. regions, households in the Northeast region spent, on average, less on vehicle finance charges and gasoline and motor oil, while households in the South region spent the most on those same items.

    Employment and Hours of Production Workers

    Employment of workers in the motor vehicle and parts manufacturing industry steadily decreased from mid-2006 until mid-2009. Average weekly hours of production workers fell from 43.0 in February 2008 to 37.4 in May 2009. Since mid-2009 employment has slowly increased, while average weekly hours among production workers sharply increased until late 2009 and has fluctuated since then.

    State Employment

    In 2010, more than half of total employment in the motor vehicle manufacturing industry was located in Michigan, Ohio, and Indiana.

    Since 1990 (the start of the data series), among all states, Michigan has had the highest employment in the motor vehicle manufacturing industry. Michigan’s employment in this industry has decreased from 102,000 jobs in 1990 to 34,900 in 2010 a loss of 67,100 jobs.

    Among all states, Alabama experienced the largest increase in employment within the motor vehicle manufacturing industry from 400 jobs in 1990 to 10,200 in 2010.

    Where are Motor Vehicle Parts Made?

    The largest sector of the motor vehicle and parts manufacturing industry is the motor vehicle parts manufacturing industry. The establishments in this industry manufacture electrical and electronic equipment; engines and transmissions; brake systems; seating and interior trim; steering and suspension components; air-conditioners; and motor vehicle stampings, such as fenders, tops, body parts, trim, and molding.

    In 2010, there were 5,784 private business establishments in this industry, employing 415,180 workers. Michigan led the nation, with 829 private business establishments and 84,452 employees.

    Can You Help Repair My Automobile?

    Whether you have a flat tire, need a part replaced, or schedule routine maintenance work, workers in a variety of auto-related occupations help repair or maintain your vehicle.

    About 588,000 automotive service technicians and mechanics work in the United States. Their responsibilities range from making basic mechanical repairs, requiring skills with traditional hand tools, to high-level technology-related work, requiring workers who can use computerized shop equipment and work with electronic components.

    In many auto shops, workers install and repair tires, automobile bodies, electronic equipment, and glass. Average annual wages for these workers fall near and below the average for all occupations ($44,110).

    Layoffs at Motor Vehicle and Parts Dealers

    Extended mass layoffs are layoffs of at least 31 days in duration that involve 50 or more individuals from a single establishment filing initial claims for unemployment insurance during a consecutive 5-week period. The reasons for such layoffs may include a change in business ownership, a reduction in business demand due to excess inventory and competition (domestic and foreign), and corporate reorganization and restructuring.

    In 2008, during the recent recession that started in December 2007, employers in the motor vehicles and parts dealers industry initiated a total of 70 mass layoff events (a series high) that resulted in the separation, or displacement, of 7,224 workers from their jobs. From 2008 2010, there were a total of 137 extended mass layoff events in this industry ten more than the total of 127 experienced from 1996 2007.

    Motor Vehicles and Workplace Injuries

    Whether the industry involves manufacturing motor vehicles or selling or repairing automobiles, workplace safety is critical to minimizing work-related injuries. Within the motor vehicle manufacturing industry, injury cases decreased from a rate of 10.2 per 100 full-time workers in 2003 to a rate of 5.6 per 100 full-time workers in 2010. In 2010, injury cases in the motor vehicle parts manufacturing industry occurred at a rate of 4.8 per 100 full-time workers, compared to a rate of 7.6 per 100 full-time workers in 2003.

    Types of Injuries

    Workers in the automobile and light duty motor vehicle manufacturing industry experience higher rates of injury and illness than do workers in most other industries. Heat, fumes, noise, and repetition are not uncommon in this industry. In 2009, nonfatal repetitive motion injuries involving days away from work were more than triple the rate of injuries resulting from being struck by an object which occurred at a rate of 9.2 per 10,000 full-time workers in 2009. Many workers come into contact with oil and grease and may have to lift and fit heavy objects. Injuries from overexertion and lifting occurred at a rate of 11.1 per 10,000 full-time workers in 2009, nearly twice the rate of injuries resulting from slips or trips and caught in an object.

    Labor Productivity in Motor Vehicle Manufacturing

    Motor vehicle manufacturers use a combination of labor, capital, and intermediate inputs to produce output. For example, workers (labor) use tools, equipment, and an assembly line (capital), along with energy, raw materials, components, and purchased services (intermediate inputs) to create automobiles (output).

    Labor productivity defined as output per hour increased in the motor vehicle manufacturing industry from 2000 to 2007, but declined from 2007 to 2009.

    From 2000 to 2007, labor productivity rose at an average annual compound rate of 6.4 percent per year, due to an average increase in output of 1.7 percent per year and a decline in hours of 4.4 percent per year. From 2007 to 2009, labor productivity fell, on average, 7.4 percent per year, as output declined an average of 25.7 percent and the number of labor hours fell an average of 19.8 percent per year.

    More BLS Data

    For further information, please see the articles indexed under Auto Industry in the archives of the Monthly Labor Review. as well as the Automobile Industry articles featured on The Editor’s Desk. Also of interest, Careers in Electric Vehicles by James Hamilton, part of a BLS series of Green Career Information articles.

    Classic Jeeps For Sale. Find Classic Jeeps For Sale on #auto #parts #houston


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    Classic Jeep, Classic Jeep For Sale

    Jeep. Willys-Overland Motors was an American automobile manufacturer that earned its place in the history books through its design and production of both military and civilian Jeeps.  In preparation for the Second World War, Willys produced military Jeeps, known as MBs, based on a prototype designed American Bantam. . The Jeep name and design would later become an American icon of off-road travel.

    Willys began production of the MB in 1941 alongside American Bantam and Ford, who labeled their variation of the prototype as the GPW.  By the end of the war, 359,851 had been produced, prompting Willys to patent the Jeep trademark and begin production of the Civilian model, the CJ-2A in 1945.

    Willys continued to produce consumer ones in the postwar years despite the fact that the CJ-2A was initially poorly received.  However, Willys soon found a market for the off-road vehicle amongst farmers, ranchers, and hunters.  In 1946, Willys released the Utility Wagon followed by the Utility Truck in 1948.  Prior to its purchase in 1953 by Kaiser Motors, Willys released several new vehicles of this brand including a new military model, the M38, and a two-wheel drive civilian model, the Jeepster.  The famous CJ5 was released in 1954, which would be the last produced under the Willys label.  In 1963, Kaiser Motors changed its name to the Kaiser-Jeep Corporation, and the name Willys disappeared.

    (Learn More About Jeep) (See less)

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    How to Accept Credit Card Payments for Next to Nothing – CBS News #process #credit #cards #on #iphone


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    How to Accept Credit Card Payments for Next to Nothing

    Last Updated Feb 28, 2011 4:49 PM EST

    When you run a small business, every penny counts. And one of the most maddening costs for a business owner is credit-card transaction fees. Well, I’m happy to report that one of the best merchant deals on the planet just got a little better.

    I’m talking about Square, the smartphone-based credit-card payment system. The reader is free, and you pay only a competitive per-transaction rate and fixed fee.

    Or, at least, that was the deal. As of last week, Square no longer charges a 15-cent fixed fee on payments accepted with the Square reader. Now, you pay only the 2.75% per-transaction rate. (Hey, 15 cents may not sound like much, but it adds up! If you enter a card number manually, however, the 15-cent fee still applies.)

    In case you’re wondering, the industry standard for credit-card processing is around 2.95%, plus 30-45 cents per transaction. Many banks will also charge you a hefty merchant-account application and/or setup fee, which Square does not.

    Indeed, I recently set up my own Square merchant account, and my total out-of-pocket cost was zero. The free card-reader (which measures all of one inch square) arrived by mail — again, free of charge — in about a week. I plugged it in, fired up the free Square app (currently available for Android, iPhone, and iPad), and instantly processed my first payment.

    The whole thing was ridiculously easy — quite a contrast from the endless hoops I had to jump through years ago when I launched a magazine.

    In other words, this is by far the fastest and easiest way to set up a merchant account I’ve ever seen, and it has the advantage of being completely portable. I still love the fact that the reader plugs into your headphone jack; it’s not some bulky custom case the works only with select models.

    Early last month I named Square one of the best business gadgets of 2010. Now that it’s available for Android and costs even less per transaction, it’s in the running for 2011 as well. My only complaint, and it’s tiny, is that the reader itself has no diagram indicating which way to swipe (and face) the card.

    But that’s easy enough to remember after a few successful swipes. Ultimately, I can’t recommend this thing highly enough for the cost-conscious business owner — especially if you require the kind mobility a cash register won’t allow.

    Add-on insurance products sold by car dealers are failing consumers: ASIC #nsw, #consumer #affairs, #car #insurance, #asic, #insurance, #add #on #insurance.


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    Add-on insurance products sold by car dealers are failing consumers: ASIC

    Add-on insurance products sold to Australians by car dealers are “expensive”, “poor value” and “provide little to no benefit,” the Australian Securities and Investments Commission has found.

    In a report based on data collected from seven general insurers who issue add-on insurance products, ASIC found car dealers received four times more in commissions than consumers received in claims between 2013 and 2015, totalling $602 million.

    ASIC Deputy Chairman Peter Kell said there were “serious problems” in the add-on insurance market that needed to be reviewed immediately by insurers.

    “ASIC will be undertaking further work, including potential enforcement action, to ensure that this market delivers acceptable outcomes for consumers,” he said.

    “We will also be looking at how insurers can refund consumers who have been sold inappropriate products.”

    Examples of the products being sold to consumers purchasing new or used cars include consumer credit insurance, tyre and rim insurance, gap insurance and mechanical breakdown.

    Over the three-year period ASIC found consumers had paid $1.6 billion in premiums, but received just $144 million in successful insurance claims.

    Consumer credit insurance claims payouts were found to represent five cents for each dollar of a premium while, in some cases, policies have been sold where it is impossible for the consumer to receive a payout that is greater than the cost of the insurance.

    The report also found that the nature of the car sales environment could influence the decision making of consumers, where conflicts of interest and pressure sales tactics are present.

    ASIC said the intention of the report was to put general insurers “on notice” that they needed to improve consumer outcomes through changes to the pricing, sale and design of add-on insurance.

    Mr Kell said the report would be followed by further work to improve the space, including potential enforcement action and attempts to enable refunds for consumers who have been sold inappropriate products.

    In response to the findings, the Insurance Council of Australia announced a range of proposed measures to “address ASIC’s concerns about these products and sales practices”.

    Their suggested changes included a transition to capping commissions at 20 per cent, enhanced disclosure about policy terms, improved sales and communications systems and a financial literacy initiative to improve industry’s response to customer queries.

    “Add-on insurance policies play a role in protecting consumers when they make some of the biggest purchases of their lives,” said Insurance Council of Australia CEO Rob Whelan.

    “They can protect policyholders who lose jobs, become sick or injured, or write-off their vehicles, from potentially crippling debts. However, insurers agree that improvements can be made.”

    Consumer advocate Consumer Action Law Centre said the findings of the ASIC report were “damning” and highlighted the “atrocious value and shocking sales practices at car yards”.

    “Flogging junk insurance has been going on too long,” said Gerard Brody, CEO of Consumer Action Law Centre.

    “A business model that relies on commission driven sales, products with little to no value and in many cases illegal selling needs to be stamped out now. Any Australian who’s shopped in a car yard needs to check their paperwork and fight back.”

    Through Consumer Action’s online resource DemandARefund.com Australians have made claims for more than $300,000.

    One such consumer was Paul Quinn, who was led to believe he needed “gap insurance” to get approval for a loan when buying his Toyota RAV4 five years ago, at a cost of an extra $1090.

    “But I didn’t need it because I had comprehensive insurance, which covers the vehicle in the event of a total loss, and there was a reducing debt,” said Mr Quinn told Fairfax Media in June.

    The report released by ASIC on Monday followed two reports earlier this year, which found life insurance sold as an add-on product through car dealers could cost 18 times more than cover obtained through other channels.

    Five common add-on insurance products reviewed by ASIC

    • Consumer credit insurance (CCI) – protects a consumer’s ability to make repayments under a credit contract (this includes insurance for the consumer against injury, sickness, disability, unemployment or death).
    • Loan termination insurance or ‘Walkaway’ insurance – similar to the above, but the difference is the main benefit is payable only if the car is returned to the dealer, so it won’t help a consumer keep the car if they become disabled or sick.
    • GAP insurance – this comes into play if a consumer writes off their car, and gives them cover for the difference between what they owes on their loan, and the market value paid out under their comprehensive car insurance.
    • Tyre and rim insurance – as the name suggests, these cover the cost of repairs tyres and rims damaged on road, by blowouts or punctures.
    • Mechanical breakdown insurance – this is also known as an ‘extended warranty’ and covers the cost of repairing/replacing car parts that have suffered a mechanical failure after the manufacturer’s or dealer’s warranty has expired

    Lucy Cormack

    Whole Life Insurance with No Medical Exam #getting #a #whole #life #policy #without #a #medical #exam,life #insurance #rate,life #insurance #rates,rates #on #life #insurance


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    Getting a Whole Life Policy Without a Medical Exam

    Nobody wants to spend too much time thinking about the end of their life. However, leaving loved ones in a financial bind is not a good thought either. While it would be ideal if you could save money throughout your life for these expenses, most people need what they make to live on. It’s not at all uncommon for a couple to hit retirement and have no real plan in place for end-of-life expenses. Luckily, there is still the option of no medical exam whole life insurance. Getting life insurance without a medical exam is ideal for many situations, but you need to shop carefully and understand what these policies offer and, perhaps most importantly, what skipping a medical exam could cost you.

    The Benefits of Skipping a Medical Exam

    There are several benefits to obtaining a no medical exam whole life insurance policy. One of the main reasons that so many people favor no exam whole life policies is because there is no exclusions when it comes to existing health conditions. Many life insurance carriers will refuse to issue a policy for people who have been diagnosed with cancer, have a history of heart problems or even have been smokers throughout their life. With a whole life insurance no exam policy, you can get coverage no matter what your circumstances or your current medical conditions. If you pass away during the period where the policy is active, your dependents will get a lump-sum payment that can be applied to funeral expenses or helping them maintain their current lifestyle while they make other arrangements. In addition, all whole life policies have a cash value and do not expire, unlike term life plans. In short, if you currently have medical conditions that would normally prevent you from getting a policy, this particular type of screening is ideal for the whole life insurance product.

    What a No Exam Policy Will Cost You

    Forgoing a medical exam is not without a price. It’s important to realize that most no medical exam whole life insurance policies probably have limitations and exceptions to coverage. It’s very common for this type of coverage to have an exclusion period, often as long as two years, sometimes longer depending on the provider. This means that if any of the policy holders die from natural causes or disease during this time their beneficiaries may be left with a reduced settlement or no payout at all; being involved in an accident may or may not apply to this limitation. In addition, buying a whole life insurance no exam policy can be very expensive – often significantly more than a comparable plan where the insured undergoes an examination. Since costs can be as much as double that of a policy issued without an exam, you should try to exhaust that option first. If you’re absolutely sure that an examination would preclude you from a policy (or you just don’t want to subject yourself to a medical exam) we can help. We work with the nation’s top providers of no medical exam whole life insurance, so use the form at the top of this page to view current rates and select the provider that best-fits your current situation.

    2017 www.lifeinsurancerates.com
    925 Peachtree Street NE Ste 615
    Atlanta, GA 30309
    Call Center (877) 407-6153

    All other trademarks and copyrights are the property of their respective holders.

    LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.

    Find Cars for Sale – a used car, ads on your car- auction cars for sale – auto dealer #auto #insurance #canada


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    Mud. Slush. Ice. Water. Fifty-pound bags of dirt. These are some of the hazards that threaten your interior every day, and that’s why you should seriously consider a set of floor mats or liners. If your car mats are missing, worn or torn, they can’t protect your vehicle’s carpet. And once your vehicle’s carpeting goes, the inside of your ride can look ratty and uncared-for – and short of a complete re-carpeting job, there’s no way you’ll get that fresh look back. As much as you care for your vehicle, it would be a real shame to see its interior get worse for wear.

    Keep your carpet looking fresh and new with a tough set of Floor Mats & Liners. We offer all styles of custom mats for all vehicles such as Honda Odyssey Floor Mats. Whatever your vehicle, we have the mats you’re looking for! Just choose your material and vehicle, and we’ll show you all the mats for your vehicle to keep it working hard and looking great. To start, check our Floor Mats Customer Reviews . and you’re bound to find the perfect set of liners, such as Ford F150 Floor Mats .

    There are many different designs and materials of floor liners and mats available, from Ford Fusion Floor Mats to Toyota Camry Floor Mats. but don’t worry – we’ve got them arranged to help you find out which is right for your vehicle and lifestyle. Choose all-weather rubber mats for superior liquid resistance and durability, or more luxurious, thick carpet floor mats for a luxurious look.

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    Video: Car Repair Estimates On The Web #auto #tader


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    Car repair estimates on the Web

    (Begin VIDEO with Kristin Arnold, Bankrate.com anchor introducing the video topic)

    KRISTIN ARNOLD: Wondering if you really need that oil pump replaced or think you can get a better deal on a timing belt? Instead of driving your car to multiple mechanics for a second or third opinion, cruise the web instead.

    Just type in “automotive repair estimates” into a search engine and you will find a list of websites that provide ballpark estimates for specific car repairs.

    These sites provide zip code-specific estimates of almost every repair cost on virtually any car model in the last 20 years. The sites give a list of repair shops in any given area and a way to ask qualified mechanics a specific question about your car.

    Vincent David, Service Writer, Bob Davis Auto Repair

    VINCENT DAVIS: “They do update their page; they make sure all their hours are right and the address is good and have customer reviews. It does keep them honest because they are on the Internet, they know what’s out there and we’re not just a fly-by-night repair facility and this is 2011 and we need to know what’s going on.”

    KRISTIN ARNOLD: Some individual websites, like RepairPal.com, will give you a range of estimated car-repair costs, factoring in the difference in the cost of original manufacturer parts and less expensive aftermarket parts. The estimate also reflects how much the repair would cost at a dealership versus an independent shop.

    AutoMD.com gives an estimated lowest do-it-yourself price, along with the lowest shop price.

    The sluggish economy, coupled with greater access to online repair information is making car owners feel smarter about auto repairs and more likely to attempt vehicle repairs themselves.

    To learn more, just log onto Bankrate.com. and click on the auto tab. I’m Kristin Arnold.

    12 Uplifting Quotes About Moving On After A Break Up #quotes #on #keeping #your #head #up


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    12 Uplifting Quotes About Moving On After A Break Up

    I found quotes about moving on after a break up so incredibly helpful after my painful experience back then.

    I’m sure you want to move on too, but as often in life this is easier said than done.

    The hardest step in the arduous journey of breakup recovery is this one painful decision to let go finally.

    It’s this single choice that means the difference between learning from this devastating experience or dwelling upon the negative for a long time.

    And by doing so, risking that this whole process might happen again in your future relationships.

    The tricky part about moving on after a breakup is that it takes a conscious decision .

    It’s so much easier to hold on to the known, the hope that they will come back, rather than to find yourself cut off from your comfort zone.

    Moving on, and letting go is exactly that going out into the unknown, alone, without the one you used to love by your side.

    Before you can take this important step, it helps that you are fed up back to the teeth with being powerless, dependent and so helpless about what is happening to you.

    This will give you the strength to take action.

    Will it be easy after that?

    But you will have made a significant leap towards independence and healing.

    The following quotes about moving on after a break up can help you with that step .

    If you are a regular reader, you will notice that we’ve had some articles with uplifting quotes before, but none so far about moving on after a breakup.

    12 Uplifting Quotes About Moving On After A Break Up:

    Moving On Quote #1:

    Moving on, is a simple thing, what it leaves behind is hard.
    -Dave Mustaine

    This is from the song A Tout Le Monde by Megadeth.

    Moving On Quote #2:

    Watching you walk out of my life does not make me bitter or cynical about love. But rather makes me realize that if I wanted so much to be with the wrong person how beautiful it will be when the right one comes along.
    -Anonymous

    This quote addresses one of the biggest dangers of suffering from a breakup: not believing in love anymore and shutting down your heart.

    This is wrong because there is always someone out there better than your Ex, someone who will meet your needs perfectly. Whether we believe it or not.

    Turning away from love out of fear means saying NO to life.

    Moving On Quote #3:

    Life is like riding a bicycle. To keep your balance you must keep moving
    -Albert Einstein

    Passivity means death; activity is living. If you are passive, you allow negative things to come into your life.

    Keep riding the bike.

    Moving On Quote #4:

    You can never cross the ocean unless you have the courage to lose sight of the shore
    -Christopher Columbus

    This is one of my favorites.

    To grow and to experience, one must leave their comfort zone.

    Very often this means that you have to act against your fear to find what you didn’t know you were looking for.

    This takes a lot of courage.

    Ask yourself, who would Columbus be today if he hadn’t had the courage to lose sight of the shore back then?

    Moving On Quote #5:

    Love is never lost. If not reciprocated, it will flow back and soften and purify the heart
    -Washington Irving

    Love is like positive energy.

    Energy is never lost in this universe. It only changes its form.

    And so does love.

    Love is a positive choice, and love always attracts more love. That’s is a fact. (Now I sound like Deepak Chopra).

    Moving On Quote #6:

    When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us
    -Alexander Graham Bell

    This is so true.

    We often focus and dwell too long upon negative events in our lives, the whys and what ifs, that we don’t allow new positive things to come into our lives.

    We have to open our eyes and say YES to life more often.

    Moving On Quote #7:

    I was never one to patiently pick up broken fragments and glue them together again and tell myself that the mended whole was as good as new. What is broken is broken, and I’d rather remember it as it was at its best than mend it and see the broken pieces as long as I lived
    -Margaret Mitchell

    Margaret Mitchell wrote Gone With The Wind .

    What is broken is broken. That’s is often so hard to accept and yet so true.

    Moving On Quote #8:

    The brightest future will always be based on a forgotten past, you can’t go on well in life until you let go of your past failures and heartaches.
    -Anonymous

    All experiences, be they positive or negative, define who we are as a person.

    You can’t carry your unfinished past with you if you want to grow, especially when entering a new relationship.

    You need to have gotten over past negative experiences.

    Because if you haven’t, then they will bite you in the lower back eventually.

    Moving On Quote #9:

    We must be willing to let go of the life we have planned, so as to have the life that is waiting for us.
    -E.M. Forster

    One of the hardest things to do after a break up is to let go of the bright future that you’ve planned out together.

    Moving On Quote #10:

    Letting go doesn’t mean that you don’t care about someone anymore. It’s just realizing that the only person you really have control over is yourself.
    -Deborah Reber

    We don’t have any control over our Exes.

    If they want to leave, we have no power to hold them back.

    All we can do is to accept, let go, heal and aspire to be a better person.

    Moving On Quote #11:

    Letting go has never been easy, but holding on can be as difficult. Yet strength is measured not by holding on, but by letting go.
    -Len Santos

    What is easier, holding on or letting go?

    Moving On Quote #12:

    You gain strength, courage and confidence by every experience in which you really stop to look fear in the face. You are able to say to yourself I have lived through this horror. I can take the next thing that comes along.’ You must do the thing you think you cannot do.
    -Eleanor Roosevelt

    First by doing and facing what you fear and then by gaining the confidence that no matter what comes your way, you can handle it!

    I hope you’ve enjoyed the 12 quotes about moving on after a break up and that you’ve found some inspiration and help to do the most vital step in your recovery process:

    To let go and move on .

    Your friend,
    Eddie Corbano

    Former Bush ethics lawyer: Trump needs to divest from his business #politics, #squawk #on #the #street, #donald #trump, #investing, #business, #ethics, #white #house, #politics, #business #news


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    Former Bush ethics lawyer: Trump needs to divest from his business and focus on being president

    Painter: We don t need the president moonlighting

    President-elect Donald Trump must give up his business interests unless he is prepared to face a barrage of accusations and potential lawsuits, Richard Painter, a former chief White House ethics lawyer, told CNBC on Friday.

    Painter said on “Squawk on the Street ” that Trump needs to divest all of his business interests so he does not have conflicts of interest and he does not have the risk of foreign government money getting into his pocket, which would violate the Constitution of the United States, [so] he doesn’t get wrapped up in a bribery investigation.”

    The former ethics lawyer under President George W. Bush said that while the move is not required by law, it would save Trump the time and effort of dealing with malicious litigators searching for an opportunity to sue his business and let Trump focus on being president.

    If Trump chose not to divest, which seems like his likely move, the effort to cleanse his business of any conflicts of interest would be long and toilsome, Painter said.

    “It is possible to try to clean out all of the foreign government money, but you’re going to have to tell foreign governments that the diplomats can’t stay at [Trump’s] hotels at government expense. You’re going to have to refinance the Bank of China loans. You’re going to have to get his name off of buildings in high-risk locations,” Painter said.

    The only way to avoid this onslaught of changes would be to sell off the business, and while Trump’s assets may not be prime selling material, he said he believed the president-elect could make it work.

    “I don’t think anybody’s ever taken advantage of Donald Trump,” Painter said. “He can find a buyer.”

    Military Discounts on Auto Sales #auto #payment #calculator


    #military auto sales
    #

    Military Discounts on Auto Sales

    Military.com | by Heather Sweeney

    Are you thinking about buying a new car but overwhelmed by the cost? Many automakers want to show their appreciation for military families by offering special pricing on their vehicles. Whether you re returning after an overseas tour or you re just ready for a new car, make sure to take advantage of the military discounts offered by a variety of automakers, both stateside and abroad.

    Stateside Auto Sales

    Acura

    Acura has a Military Appreciation Offer, which includes $750 toward any 2015 or newer model year Acura when you finance or lease through Acura Financial Services. This offer is valid through January 4, 2016.

    Ford

    Ford Motor Company offers military members and their families a $500 Bonus Cash Offer good toward the purchase or lease of an eligible new 2014/2015/2016 model year Ford vehicle.

    General Motors

    General Motors offers active duty members, reservists, retirees, spouses and veterans within one year of discharge savings and incentives on eligible Chevrolet, Buick or GMC vehicles.

    In addition to their regular discount, GM typically offers a special discount in honor of Military Appreciation Month. All active, reserve, retired and veteran military — regardless of separation date — can receive the General Motors military discount on Chevrolet, Buick, GMC and Cadillac vehicles. Check back in May for details.

    Harley Davidson

    Harley Davidson offers a military discount that includes no down payment, reduced rates and flexible term options designed for active duty military personnel.

    Honda

    The Honda Military Appreciation Offer includes $500 toward the purchase or lease of any new 2015 or 2016 model year Honda automobile. This offer is valid through January 4, 2016.

    Hyundai

    All active duty, Reservist/National Guard, veteran and retired military personnel will receive an additional $500 off all 2014 and all 2015 model year new Hyundai vehicles distributed by Hyundai Motor America. The offer is good through January 4, 2016.

    Kia

    Kia offers a Military Specialty Incentive Program ($400 incentive) for qualified customers on new vehicles purchased between November 3, 2015 and January 4, 2016. (Even if this deal has expired, check with your local dealership to ask about the program and possible new dates.)

    Nissan

    Military personnel qualify for Nissan’s Vehicle Purchase Program. Some of the benefits of this program include a No-haggle buying experience, VPP discount can be combined with all eligible offers and incentives, NMAC/IFS lease specials, and APRs still applicable.

    Scion

    Scion offers active duty, inactive reservists, retirees, veterans discharged within one year, and household members a $500 rebate toward the purchase or lease of a new Scion.

    Toyota

    Active duty military, inactive reservists, retirees, veterans discharged within one year, and household members qualify for a $500 rebate on all new Toyota vehicles.

    Overseas Auto Sales

    Are you stationed overseas? There are several military sales programs available to help you purchase a discounted vehicle while you re abroad.

    Exchange New Car Sales

    Exchange New Car Sales is a worldwide organization that is the only on-base, factory-authorized distributor for Chrysler, Dodge, Jeep, Ram, Ford, Lincoln and Harley-Davidson to military personnel stationed, or on TDY assignment, abroad for at least 30 days. The program offers military rebates, military pricing, lowest price guarantees, and more.

    Military AutoSource

    Military AutoSource is the factory-authorized military distributor for U.S. specification Audi, Mercedes-Benz, Toyota, Volkswagen, Nissan, Infiniti, and Honda vehicles. The MAS program offers exclusive savings and benefits including military pricing, lowest price guarantee, emergency payment protection, and more.

    Audi

    The Audi Military Sales Program offers discounted vehicles to U.S. military personnel stationed overseas.

    BMW

    BMW Military Sales is a privilege program designed specifically for US service personnel overseas. This program includes significant savings with military discounts and tax-free purchasing.

    Land Rover

    Through the U.S. Military Sales Program, Land Rover offers military personnel stationed overseas the opportunity to purchase a Land Rover vehicle at a substantial savings over the normal Retailer MSRP.

    Saab

    The Saab Military Sales Program offers military personnel stationed abroad the benefit of buying a Saab on special terms, including tax free car sales, special military discount, free home shipping, and more.

    Volvo

    Volvo Cars Military Sales offers great benefits for military personnel on a tour overseas, including factory pricing, savings on equipment, five years free shipping from Europe to the U.S. and more.

    NEDOC North East Doctor on Call #nedoc, #north-east #doctor #on #call, #out #of #hours #gp #service, #emergency #gp #service, #louth, #meath, #cavan, #monaghan


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    Our Service

    Welcome to North East Doctor on Call Ltd. NEDOC is a partnership with General Practitioners in the region and the HSE to provide urgent out of hours GP care. We are the service that you contact for urgent care when your surgery closes in the evening and over the course of weekends and bank holidays.

    NEDOC covers Monaghan, Cavan, Meath and Louth (with the exception of Dundalk town and surrounding area). We have four treatment centres. in Navan, Cavan, Castleblayney and Drogheda.

    All GP Surgeries are open on Good Friday, 14th April as a normal working surgery day.

    NEDOC opening hours over Easter are from 6pm Friday 14th April until 8am Tuesday 18th April.

    NEDOC is extremely busy over Easter and delays may be expected in answering your call, receiving a call back from the nurse, getting an appointment and thereafter to see the doctor. Please be patient with our staff. All urgent calls will be given priority over routine cases.

    U6 Patients must have a valid card with them in order to avail of free GP care. U6 patients who have not yet been registered for an U6 card, or who have applied for a card and are waiting to receive it, are not covered by the U6 GP Scheme and will be charged for an NEDOC consultation.

    For information on managing routine illness, such as gastric bugs, common colds, log onto www.undertheweather.ie .

    If you need to contact us please ring 1850 777 911 Read More>>

    Patients not registered with a local GP click here>>

    What happens when I call NEDOC?

    • When you ring a trained receptionist will take your personal details.
    • Your call will be referred to a triage nurse who will ring you back.
    • Discuss with the triage nurse whether you need advice, an appointment or referral to the Emergency Department

    NEDOC is Not a Replacement for the Emergency Services

    Treatment Centres

    Since marijuana legalization, highway fatalities in Colorado are at near-historic lows – The Washington Post #marijuana, #colorado #legalization, #war #on #drugs, #drug #war, #drugged #driving


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    Since marijuana legalization, highway fatalities in Colorado are at near-historic lows

    Since Colorado voters legalized pot in 2012, prohibition supporters have warned that recreational marijuana will lead to a scourge of “drugged drivers” on the state’s roads. They often point out that when the state legalized medical marijuana in 2001, there was a surge in drivers found to have smoked pot. They also point to studies showing that in other states that have legalized pot for medical purposes, we’ve seen an increase in the number of drivers testing positive for the drug who were involved in fatal car accidents. The anti-pot group SAM recently pointed out that even before the first legal pot store opened in Washington state, the number of drivers in that state testing positive for pot jumped by a third.

    The problem with these criticisms is that we can test only for the presence of marijuana metabolites, not for inebriation. Metabolites can linger in the body for days after the drug’s effects wear off — sometimes even for weeks. Because we all metabolize drugs differently (and at different times and under different conditions), all that a positive test tells us is that the driver has smoked pot at some point in the past few days or weeks.

    It makes sense that loosening restrictions on pot would result in a higher percentage of drivers involved in fatal traffic accidents having smoked the drug at some point over the past few days or weeks. You’d also expect to find that a higher percentage of churchgoers, good Samaritans and soup kitchen volunteers would have pot in their system. You’d expect a similar result among any large sampling of people. This doesn’t necessarily mean that marijuana caused or was even a contributing factor to accidents, traffic violations or fatalities.

    This isn’t an argument that pot wasn’t a factor in at least some of those accidents, either. But that’s precisely the point. A post-accident test for marijuana metabolites doesn’t tell us much at all about whether pot contributed to the accident.

    Since the new Colorado law took effect in January, the “drugged driver” panic has only intensified. I’ve already written about one dubious example, in which the Colorado Highway Patrol and some local and national media perpetuated a story that a driver was high on pot when he slammed into a couple of police cars parked on an interstate exit ramp. While the driver did have some pot in his system, his blood-alcohol level was off the charts and was far more likely the cause of the accident. In my colleague Marc Fisher’s recent dispatch from Colorado. law enforcement officials there and in bordering states warned that they’re seeing more drugged drivers. Congress recently held hearings on the matter. complete with dire predictions such as “ We are going to have a lot more people stoned on the highway and there will be consequences,” from Rep. John Mica (R-Fla.). Some have called for a zero tolerance policy — if you’re driving with any trace of pot in your system, you’re guilty of a DWI. That would effectively ban anyone who smokes pot from driving for up to a couple of weeks after their last joint, including people who legitimately use the drug for medical reasons.

    It seems to me that the best way to gauge the effect legalization has had on the roadways is to look at what has happened on the roads since legalization took effect. Here’s a month-by-month comparison of highway fatalities in Colorado through the first seven months of this year and last year. For a more thorough comparison, I’ve also included the highest fatality figures for each month since 2002, the lowest for each month since 2002 and the average for each month since 2002.

    Raw data from the Colorado Dept. of Transportation

    As you can see, roadway fatalities this year are down from last year, and down from the 13-year average. Of the seven months so far this year, five months saw a lower fatality figure this year than last, two months saw a slightly higher figure this year, and in one month the two figures were equal. If we add up the total fatalities from January through July, it looks like this:

    Raw data from the Colorado Dept. of Transportation

    Here, the “high” bar (pardon the pun) is what you get when you add the worst January since 2002 to the worst February, to the worst March, and so on. The “low” bar is the sum total of the safest January, February, etc. since 2002. What’s notable here is that the totals so far in 2014 are closer to the safest composite year since 2002 than to the average year since 2002. I should also add here that these are total fatalities. If we were to calculate these figures as a rate — say, miles driven per fatality — the drop would be starker, both for this year and since Colorado legalized medical marijuana in 2001. While the number of miles Americans drive annually has leveled off nationally since the mid-2000s, the number of total miles traveled continues to go up in Colorado. If we were to measure by rate, then, the state would be at lows unseen in decades.

    The figures are similar in states that have legalized medical marijuana. While some studies have shown that the number of drivers involved in fatal collisions who test positive for marijuana has steadily increased as pot has become more available, other studies have shown that overall traffic fatalities in those states have dropped. Again, because the pot tests only measure for recent pot use, not inebriation, there’s nothing inconsistent about those results.

    Of course, the continuing drop in roadway fatalities, in Colorado and elsewhere, is due to a variety of factors, such as better-built cars and trucks, improved safety features and better road engineering. These figures in and of themselves only indicate that the roads are getting safer; they don’t suggest that pot had anything to do with it. We’re also only seven months in. Maybe these figures will change. Finally, it’s also possible that if it weren’t for legal pot, the 2014 figures would be even lower. There’s no real way to know that. We can only look at the data available. But you can bet that if fatalities were up this year, prohibition supporters would be blaming it on legal marijuana. (Interestingly, though road fatalities have generally been falling in Colorado for a long time, 2013 actually saw a slight increase from 2012. So fatalities are down the year after legalization, after having gone up the year before.)

    That said, some researchers have gone so far as to suggest that better access to pot is making the roads safer, at least marginally. The theory is that people are substituting pot for alcohol, and pot causes less driver impairment than booze. I’d need to see more studies before I’d be ready to endorse that theory. For example, there’s also some research contradicting the theory that drinkers are ready to substitute pot for alcohol.

    But the data are far more supportive of that than of the claims that stoned drivers are menacing Colorado’s roadways.

    CLARIFICATION: I wrote that “we can test only for the presence of marijuana metabolites, not for inebriation.” That isn’t quite accurate. This is true of roadside tests. But a blood test taken at a hospitals can measure for THC, the psychoactive ingredient in marijuana. That said, even here there are problems. Regular users can have still have remnant THC in their blood well after the effects have worn off. Regular users can also have levels above the legal limit and still drive perfectly well. In Colorado, a THC level of 5 nano grams or more brings a presumptive charge of driving under the influence. However, references to “marijuana-related” accidents in studies, by prohibitionists, and by law enforcement could refer to any measure or trace of the drug. So when officials and legalization opponents talk about increases in these figures, it still isn’t clear what any of this means for road safety.

    Legalizing marijuana in Colorado was supposed to help undermine the black market. Instead, it’s had almost the opposite effect. PostTV brings you into the world of black market weed dealers to explain. (Gabe Silverman/The Washington Post)

    On Track Automall Inc – Used Cars – Orlando FL Dealer #reliable #auto #transport


    #track auto
    #

    On Track Automall Inc – Orlando FL, 32808

    On Track Automall Inc in FL has a dedicated and knowledgeable group of sales employees with many years of experience satisfying our customer’s Orlando Used Cars, Used Pickup Trucks needs. Feel free to browse On Track Automall Inc’s Used Cars, Pickup Trucks Orlando inventory online, request more information about our Used Cars. Used Pickups For Sale inventory from one of our sales staff. We specialize as a Orlando Used Cars, Used Pickup Trucks lot near Mid Florida, Tampa. As a Used Cars, Used Pickup Trucks lot in Orlando who offers great prices for Used Cars. Used Pickups For Sale inventory to all of our neighbors in Altamonte Springs, Apopka, Casselberry, Clarcona, Goldenrod, Gotha, Killarney, Lake Mary, Longwood, Maitland, Mid Florida, Montverde, Mount Dora, Oakland, Ocoee, Orlando, Oviedo, Plymouth, Windermere, Winter Garden, Winter Park, Winter Springs, Zellwood. Customer satisfaction is our top goal at On Track Automall Inc.

    We at On Track Automall Inc look forward to serving your Used Cars, Used Pickup Trucks needs and we hope that we can help you with your next Used Cars. Used Pickups For Sale inventory purchase. We have helped customers from Mid Florida, Tampa, Altamonte Springs, Apopka, Casselberry, Clarcona, Goldenrod, Gotha, Killarney, Lake Mary, Longwood, Maitland, Mid Florida, Montverde, Mount Dora, Oakland, Ocoee, Orlando, Oviedo, Plymouth, Windermere, Winter Garden, Winter Park, Winter Springs, Zellwood with their Used Cars, Used Pickup Trucks needs and we look forward to helping you too. On Track Automall Inc a Orlando serving FL dealer is one of the many Used Cars, Used Pickup Trucks lots that sells Used Cars. Used Pickups For Sale inventory to customers in the surrounding cities such as Mid Florida, Tampa.

    We carry a large selection of used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks available in our dealership located in Orlando, FL. At On Track Automall Inc we like to think of ourselves as your one place to go for your Used Cars, Used Pickup Trucks needs in the Orlando area. At On Track Automall Inc in FL, customer service is our main goal. If you plan to buy used cars for sale, used vehicles, usedcars, pre-owned cars, used pickup trucks, trucks, pickups, pick up trucks even if you’re from Mid Florida, Tampa, you will always find great prices at our dealership. Our Used Cars, Used Pickup Trucks lot in Orlando, FL sells many Used Cars. Used Pickups For Sale inventory and has many happy customers. Give us a call at 407-855-1344.

    Because of our outstanding service and great prices, customers travel from all over the great state of FL and Orlando to visit On Track Automall Inc. At our dealership we have helped many customers with their Used Cars, Used Pickup Trucks needs from cities such as Altamonte Springs, Apopka, Casselberry, Clarcona, Goldenrod, Gotha, Killarney, Lake Mary, Longwood, Maitland, Mid Florida, Montverde, Mount Dora, Oakland, Ocoee, Orlando, Oviedo, Plymouth, Windermere, Winter Garden, Winter Park, Winter Springs, Zellwood because they know they won’t find a better service or help when purchasing their next Used Cars. Used Pickups For Sale inventory.

    We hope that you find our website helpful to your needs. Although On Track Automall Inc of Orlando in FL doesn’t stay open 24 hours a day, our dealership website is always open all day, every day! On our website which serves Orlando 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 On Track Automall Inc 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. Give us a call at 407-855-1344. Orlando Used Cars, Used Pickup Trucks | Mid Florida FL Used Cars, Used Pickup Trucks | Tampa Used Cars, Used Pickup Trucks

    On Track Automall Inc – Used Cars, Used Pickup Trucks Orlando, FL

    Everest University Online Corporate Partnership Program #everest #college, #everest #university, #everest #online, #criminal #justice, #degree #online, #on #line, #master #degree, #college #degree, #distance #learning, #online #graduate, #online #degree, #online, #degree, #college, #education #


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    Everest Corporate Partnership

    Advancing Your Career through Higher Education

    Everest University Online, a division of Everest University, provides our students with relevant career training and degree programs for today’s business world.

    We have online degree programs in: Accounting, Business, Computer Information Science, Criminal Justice, and much more. Find out about our life-changing online degree programs – including information about tuition and financial aid (available for those who qualify) by completing our simple form.

    Everest Corporate Partnership Your Company

    We want to partner with your company by providing your employees online education to help them improve their business skills.

    In return, you’ll enjoy higher rates of employee satisfaction, retention, and overall productivity from your staff – as they are earning their Associate’s, Bachelor’s, or Master’s degree. Learn more about our corporate partnership programs.

    Current Partners

    Download the Honeywell Thermostat User Manual #honeywell #thermostat #cool #on #but #not #working


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    Honeywell Thermostat User Manual

    Finding the Correct Thermostat User Manual

    At Horizon Services, our technicians only install the most dependable heating and air conditioning systems as well as the most reliable and durable accessories available.

    Each professionally installed heating and air conditioning system includes a professional grade Honeywell thermostat that will not only give you complete control over your new system, but will also help you achieve the perfect temperature in your home while reducing your utility bills by operating more efficiently.

    When new technology is introduced into your home, you may naturally have questions or want to learn about the features of your new accessory. If you have misplaced your original thermostat’s manual, use the directions below to download a digital copy for your use.

    How to Find the Thermostat Model Number

    Each Honeywell thermostat has a unique model number that can be used to identify the exact model in your home. Your thermostat’s model number is located on the back of your thermostat and begins with the letters, T, TH, RTH, C, or CT. Horizon Services currently installs one of three types of thermostats, use the images and model numbers below to find your thermostat.

    To download a digital copy of your thermostat user manual, please select the correct model listed below and click the Download Product Manual link:

    Contact Horizon Services

    Still have questions? For additional assistance or to learn more about Horizon Services heating and air conditioning system repair or replacement or thermostat repair or replacement contact us today:

    Honeywell VisionPRO 8000

    Honeywell s VisionPRO 8000 is effortless to use. Its intuitive logic and menu-driven programming respond to your choices and schedule for optimal comfort and energy savings. VisionPRO offers you top-of-the-line features like touchscreen interaction, a real-time clock, and a large, easy-to-read backlit display.

    • Up to 3H/2C conventional and heat pump
    • 7-day programmable touchscreen
    • 5-year warranty
    • Effortless, menu-driven programming
    • Real-time clock
    • Precise comfort control (+/-1°F)
    • Change/check reminders for filters, UV lamps and humidifier pads
    • #1 choice of homeowners
    • Multiple hold options

    Honeywell Prestige 2.0 Comfort System

    Prestige 2.0 is the choice for never-before-reached levels of success. The satisfaction your customers get with the simplicity and comfort that Prestige provides will keep them coming back to your business for all their HVAC needs. And if that doesn’t do it, the automatic system performance alerts and reminders will.

    • Configurable for Residential or Light Commercial applications
    • User Interaction Log provides a searchable history of setting changes
    • Assignable output/input/sensor relays trip pre-packaged or customized alerts
    • Configurable staging options
    • Patented, interview-based programming and installer set-up
    • USB port for transferring installer setup options and adding dealer logo on-screen
    • Customizable service reminders on screen
    • RedLINK-enabled to work with: RedLINK Internet Gateway / Total Connect, Entry/Exit Remote, Vent and Filter Boost Remote, Portable Comfort Control, Wireless Outdoor Air Sensor, Wireless Indoor Air Sensor,TrueSTEAM and TrueZONE Panels.
    • Displays outdoor temperature and humidity when paired with an outdoor sensor
    • Up to 3H/2C Heat Pump 2H/2C Conventional (Up to 4 Cool Conventional using the universal outputs [commercial only]. Up to 3 Heat Conventional using the universal outputs. Up to 4 heat/2 Cool Heat Pump using the universal outputs).
    • 5-Year warranty

    Honeywell VisionPRO IAQ

    The VisionPRO® IAQ takes our popular VisionPRO thermostats where they haven t gone before. The VisionPRO IAQ Total Home Comfort System allows you to manage temperature, humidification, dehumidification, ventilation, and change/check reminders all from a single control and with only three wires.

    • Now with Geothermal Heat Pump Control
    • All-in-one control temperature, humidification, dehumidification, ventilation
    • Up to 4H/2C conventional and heat pump
    • Touchscreen 7-day programmable
    • Smart change/check reminders
    • Easily Upgrade to Multi-Stage Equipment
    • 5-Year Warranty

    Horizon Services: The only full-service plumbing. heating. air conditioning. drain cleaning and sewer and water line replacement company in Delaware, Southeastern Pennsylvania, South New Jersey, and Northeastern Maryland that guarantees on-time service, up-front pricing and the job done right andclean the first time!

    Psoriasis Quiz: Treatment, Pictures, Symptoms & Scalp Psoriasis, mild psoriasis on scalp.#Mild #psoriasis #on #scalp


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    mild psoriasis on scalp

    Mild psoriasis on scalp

    Surprising Health Benefits of Sex

    How would you like a stronger immune system or better sleep? Action between the sheets can help you get all of this and more.

    Mild psoriasis on scalp

    Psoriasis Medical Images

    Red, itchy, and scaly skin? Discover common skin conditions like psoriasis, rashes, and more in the collection of medical photos.

    Mild psoriasis on scalp

    Take the Sex Love Quiz!

    The brain. The body. The bedroom. How much do you know about sex, love, and the human body?

    Mild psoriasis on scalp

    The No-Diet Approach

    Lose weight without dieting! Live better and be healthier with these quick nutritional tips from the experts.

    Psoriasis Quiz: Test Your Medical IQ

    Mild psoriasis on scalp

    Q: Psoriasis causes the top layer of skin cells to become inflamed and grow too quickly and flake off.

    Mild psoriasis on scalp

    Q: Psoriasis causes the top layer of skin cells to become inflamed and grow too quickly and flake off.

    The correct answer is: True

    Psoriasis, a chronic skin condition, causes skin cells to grow too quickly. Symptoms include thick white, silvery, or red patches of skin, inflammation, and itchy, flaking skin.

    Mild psoriasis on scalp

    Q: Symptoms of psoriasis are known to come and go.

    Mild psoriasis on scalp

    Q: Symptoms of psoriasis are known to come and go.

    The correct answer is: True

    Symptoms of psoriasis come and go, periodically improving and worsening. Sometimes psoriasis may clear for years and stay in remission. Often people have worsening of their symptoms in the colder winter months. Many people report improvement of the skin in warmer months, warmer climates, or with increased sunlight exposure.

    Mild psoriasis on scalp

    Q: Psoriasis can be cured.

    Mild psoriasis on scalp

    Q: Psoriasis can be cured.

    The correct answer is: False

    Psoriasis is not currently curable. However, it can go into remission and show no signs of disease. Fortunately, when it is active, many treatment options are available to manage psoriasis.

    Mild psoriasis on scalp

    Q: Psoriasis is contagious and may be spread by direct contact.

    Mild psoriasis on scalp

    Q: Psoriasis is contagious and may be spread by direct contact.

    The correct answer is: False

    Psoriasis cannot be spread from person to person. You cannot “catch” it from a person affected by it, and you cannot pass it to anyone else by skin-to-skin contact. You can directly touch the skin affected by psoriasis and this will not increase your risk of developing psoriasis.

    Mild psoriasis on scalp

    Q: Psoriasis tends to run in families.

    Mild psoriasis on scalp

    Q: Psoriasis tends to run in families.

    The correct answer is: True

    Psoriasis often runs in families. Because of this, a family history can actually be helpful in making the diagnosis. More than 30% of people with psoriasis report having a relative with the disease.

    Mild psoriasis on scalp

    Q: What plays a major role in psoriasis?

    Mild psoriasis on scalp

    Q: What plays a major role in psoriasis?

    The correct answer is: C The immune system

    The immune system plays a major role in psoriasis because psoriasis is caused by an overactive immune system. In psoriasis, certain blood cells are put into action by mistake. They become so active that they set off other immune responses. The attack of one’s tissues by one’s own immune system is characteristic of an autoimmune disorder.

    Mild psoriasis on scalp

    Q: Men and women get psoriasis at roughly the same rate.

    Mild psoriasis on scalp

    Q: Men and women get psoriasis at roughly the same rate.

    The correct answer is: True

    Men and women get psoriasis at about the same rate.

    Mild psoriasis on scalp

    Q: Weight _____ puts women at greater risk for psoriasis.

    Mild psoriasis on scalp

    Q: Weight _____ puts women at greater risk for psoriasis.

    The correct answer is: Gain

    A large study has shown that women who gain weight throughout adult life are more likely to develop psoriasis. Other risk factors for psoriasis include cold climates, emotional and physical stress, infection, skin injuries, and smoking.

    Mild psoriasis on scalp

    Q: Psoriasis can be associated with arthritis.

    Mild psoriasis on scalp

    Q: Psoriasis can be associated with arthritis.

    The correct answer is: True

    About 10%-15% of people with psoriasis eventually develop psoriatic arthritis. Psoriatic arthritis can be mild, yet in severe cases it causes pain, stiffness, swelling, and destruction in and around affected joints. Early treatment may prevent joint damage that occurs as psoriatic arthritis progresses.

    Mild psoriasis on scalp

    Q: Pregnant women tend to see changes in their psoriasis.

    Mild psoriasis on scalp

    Q: Pregnant women tend to see changes in their psoriasis.

    The correct answer is: True

    For better or worse, pregnancy may change the intensity or severity of psoriasis in women. While some women have reported that psoriasis has become more severe as a result of pregnancy, others have reported alleviated symptoms.

    Mild psoriasis on scalp

    Q: ______________ psoriasis is the most common form.

    Mild psoriasis on scalp

    Q: ______________ psoriasis is the most common form.

    The correct answer is: A Plaque

    Plaque psoriasis is the most common type of psoriasis. Approximately, nine out of 10 people with psoriasis have plaque psoriasis. The following are less common types of psoriasis:

    – Guttate psoriasis: appears as small, salmon-pink (or red) drops on the skin

    – Pustular psoriasis: appears as raised bumps that are filled with pus

    – Inverse psoriasis: appears as bright red, smooth patches in skin folds

    – Erythrodermic psoriasis: bright red, itchy, peeling inflamed rash that covers most of the body

    Auto Next Question:

    Images provided by:

    6.1 Big Stock Photo

    6.2 Big Stock Photo

    6.4 Big Stock Photo

    WebMD: Psoriasis Health Center

    National Psoriasis Foundation: About Psoriasis

    WebMD: Psoriasis What Increases Your Risk

    National Psoriasis Foundation: About Psoriatic Arthritis

    National Psoriasis Foundation: Conception, pregnancy and nursing

    eMedicineHealth: Types of Psoriasis

    This tool does not provide medical advice. See additional information: Mild psoriasis on scalp

    THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the MedicineNet Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

    ?>

    What is an EOB? #medical #coding #on #line


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    What is an EOB?

    At least once a week, a professional medical biller gets a phone call from a patient. “I got a bill from my insurance company,” the patient says. This is despite the fact that the top of the paper they are holding says, “THIS IS NOT A BILL.” Patients think it is a bill because it looks like a medical bill. It says that they are responsible for a set sum of money, or, sometimes, it states that a service on their healthcare claim was not covered by their insurer.

    Patients do not receive bills for medical services from their insurers. Only healthcare providers send out bills for services rendered. What the patient receives is commonly called an Explanation of Benefits (EOB). Alternative terms include Summary of Benefits, Remittance Advisory, Coverage Determination, or Beneficiary Notice. Medical billers commonly refer to these as EOBs, and they are the means by which commercial healthcare insurers and government healthcare programs notify their beneficiaries of how an individual healthcare claim was processed for payment.

    What is an EOB?

    An EOB does look like a bill. It contains the date of service, the code used to bill a particular service to an insurance company, the fee charged by the healthcare provider, the allowed amount under the third-party payers’s contractual fee schedule, the patient’s responsibility under the terms of their coverage, the payment made by the payer, and the contractual write-off. The final entry of each line item is usually the titled something along the lines of, “what you owe,” or, “your responsibility.” This is why some patients confuse an EOB with a medical bill.

    Like most medical billing transactions, EOBs consist of medical code, not only the Healthcare Common Procedure Coding System (HCPCS Level I and Level II) codes, but also explanation codes that have been established by the Healthcare Portability and Accountability Act of 1996 (HIPAA). These explanation codes are easily understood by professional medical billers who are schooled in the language of healthcare reimbursement, but they are a mystery to laypeople who only encounter them in EOBs. While each EOB normally includes a definition of the adjustment and adjudication codes, they are often in fine print and their definitions are not always apparent to a person unfamiliar with reading them.

    Adjudication Codes

    Certified medical coders are not usually familiar with the code sets that third-party payers use to communicate payment or denial information to medical billers who post payments and make financial adjustments to patient accounts. These codes fall fully within the professional domain of a medical practice’s business office rather than its compliance department. This code set is used exclusively by third-party payers, and certified medical coders do not assign these codes. They are assigned by insurance adjusters as they process healthcare claims.

    CO-16 means that required information was not receive on a healthcare claim, preventing payment for an otherwise covered service. N257 means that a third-party payer does not recognize the provider of service. CO-45 means that the fee charged exceeds the contractually agreed upon fee schedule. CO-97 means that a procedure has been bundled into a previously provided and charged, related service.

    Professional medical billers recognize these codes and adjust accounts accordingly. Some codes, such as N257, indicate that a patient’s healthcare claim was submitted with an inaccurate National Provider Number (NPI) to identify that a credentialed provider rendered covered services to a patient. The claim is then corrected by the biller and resubmitted. Other codes, such as CO-97 mean that a claim must be referred to a certified medical coder to determine if the documentation in the patient’s medical record supports modifying a charged code, or if an appeal of denied payment should be initiated by supplying appropriate documentation.

    The Role of EOBs

    Third-party payers try to keep their beneficiaries informed of what healthcare claims were submitted on their behalf by healthcare providers. They inform their patients of expected financial obligations for healthcare received, such as copays, co-insurance, and deductibles. They also inform patients that they may have received services that a payer considers medically unnecessary, experimental, or cosmetic in nature. EOBs are an important factor in identifying healthcare fraud and abuse.

    Though most patients may not be able to discern the difference between the codes 99213 and 99214, an intermediate versus an extensive office visit as defined by Common Procedural Terminology (CPT), they can tell if they received an intramuscular injection (CPT 96372). By informing patients of what was charged on their behalf, third-party payers hope to identify fraudulent charges and patterns of abuse in the billing process.

    The federal Medicare program has recognized that EOBs are a powerful fraud and abuse detection tool by actively enlisting beneficiaries to report suspected fraud and abuse. Medicare beneficiaries receive quarterly Medicare Summary Notices (MSNs) that detail all healthcare claims that have been submitted on their behalf in a three-month period. Recent changes in the format of MSNs are designed to make them more easily understood by people who are not fluent in the language of medical coding or HIPAA-standard adjudication codes. New MSNs contain plain language, and the Centers for Medicare and Medicaid Services (CMS) has undertaken an extensive public information campaign directing patients to compare their MSN to services actually received by healthcare providers.

    Clean Claims

    Professional medical billers and certified medical coders work together to ensure that accurate claims are submitted to third-party payers that clearly describe the services contained in the patient’s medical record. This includes accurate demographic information such as a patient’s date of birth, insurance identification number, or the provider’s NPI, and it also includes the correct procedural and diagnostic codes to describe services, with appropriate modifiers if applicable.

    An EOB informs a patient of what is included in their healthcare claims, and how it was processed according to the terms of their coverage. In an efficient medical practice or inpatient facility, the information has already been applied to a patient’s account before the patient calls with a query. A medical biller applies the information contained in an EOB because he or she receives it in the form of a Remittance Advice (RA) that accompanies a check or formal denial from a third-party payer. When the patient calls, a professional medical biller can refer to a patient’s account and tell the patient what their financial responsibility is, if any, or if a denied claim has been corrected and resubmitted on their behalf.

    The business side of medicine is conducted on a daily basis by professionals who are trained to negotiate the intricate transactions that govern healthcare reimbursement. Every medical code is associated with a charge and an agreed-upon fee. By applying the information contained in EOBs and RAs in an effective manner, medical billers ensure that no patient is responsible for more than is legally due for services, while medical coders ensure that no patient is responsible for more than is legally due for medically necessary services that were provided. EOBs ensure compliance with applicable statutes and contractual obligations, making patients an important component in the transparency of healthcare reimbursement. Educated and trained billers and coders strive to ensure that the only advisement code they see on an RA is CO-45.

    What To Do When Your Natural Gas Furnace Is Not Working Properly, gas furnace not turning on.#Gas #furnace #not #turning #on


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    What To Do When Your Natural Gas Furnace Is Not Working Properly

    A natural gas heating system is quite easy to operate and maintain. But unfortunately, because of prolonged use or other circumstances, your natural gas furnace might begin to malfunction which is not something that you want.

    Before you begin we strongly advise you to take these preliminary steps to eliminate possible unseen problems.

    1. Check out if your furnace is receiving power. You should look in detail at the state of the circuits at the entrance in the unit as well as around the unit.

    2. Inspect if the unit has a RESET button which is most of the time present near the motor housing. Turn off your natural gas furnace and wait about 30 minutes for it to cool down, then press the button. If the furnace does not start, wait another 30 minutes and press it again. Repeat the procedure for the third time before you renounce on the idea.

    3. Inspect your furnace for a second power switch and make sure that it is turned on.

    4. Inspect your thermostat if it has been properly set. We also recommend that you increase the setting by 5 degrees as many modern thermostats have a 2-3 degree window besides the temperature set.

    5. Make sure that your gas supply is turned on and the pilot light is functioning properly.

    The Three Main Causes For Your Natural Gas Furnace Nor Working Properly

    If your natural gas furnace is not working properly then most probably this is caused by the malfunction of one of the following three components: the heat source, the thermostat or the distribution system.

    If your natural gas furnace is not working then the problem is most likely caused by the source. Your furnace might not receive the natural gas which is its fuel source and so it is not igniting.

    If your natural gas furnace does turn on, but the warmth is not reaching the rooms of your house, then the problem is most probably related to the furnace’s distribution system.

    If the natural gas furnace has random problems in turning on or it turns on and off repeatedly on a functioning cycle then the problem might be caused by a faulty thermostat.

    Each of these three main categories require extensive knowledge and you need to start with the basic procedures with patience and admit when you are facing a furnace repair that you cannot resolve as you risk causing greater damage or even injuring yourself. In this case we would be glad to give a helping hand.

    Before you start working on your natural gas furnace we recommend that you take note of the following:

    • Make sure that your furnace is completely powered off by removing the main fuse or if you are not sure power off the entire house. If the fuse of your house blows off when you power your furnace then this means that it’s an electrical problem and you need to consult a specialized electrician.
    • Make sure that there is no smell of gas in the house as this might indicate a gas leak. If you sense the smell of gas do not try to shut down the gas or power on any electrical device. Open the doors and windows, get outside of the house and call the gas company to report a leak. To not reenter the house.

    No matter the problem is, if you still need specialized help, contact us and we’ll give you the best solution possible.

    Safety and Fraud Awareness – Adviser: Car Advice on How to Sell a Car #auto #insurance #reviews


    #auto tader
    #

    Safety and Fraud Awareness

    At AutoTrader.com, we want to do everything we can to help you sell your car quickly and easily. A big part of that objective is preventing fraud and looking out for your safety as you move through the process.

    To that end, we’ve compiled some general guidelines that can help you prepare and safeguard your interests when advertising and selling a car.

    Tips for Personal Safety

    • Get information about the prospective buyer. including full name, street address, phone number, driver’s license number and insurance information. When you initially communicate with the potential buyer. mention that you’ll need these documents before the test drive.
    • Scout out a logical route for the test drive in advance. Choose streets that don’t have a lot of traffic, but don’t venture into secluded areas .
    • It’s best to meet in a public place. like the parking lot of a shopping center. And keep your cell phone with you.
    • Decide whether you’re more comfortable going with your buyer on the test drive or staying behind. This is a judgment call on your part, made more easily if you have someone with you.
    • If at all possible, bring a friend or family member along. And make sure someone knows where you’re going, the route you expect to take and when you expect to return.
    • If you let the potential buyer take your car by himself, ask him to leave his keys while you wait, and be very specific about the maximum length of time you expect him to be gone.

    Tips for Avoiding Scams

    • Secure payment before you transfer ownership and work only with the specific person who is purchasing your car (versus someone acting on his behalf). If you accept a check, be sure to verify it with the issuing bank — not your bank. (The easiest way to avoid problems is to go to the buyer’s bank and complete the final transaction there.)
  • Be wary of anyone who makes an offer to buy your car sight-unseen. especially buyers located overseas. This is often part of a larger scam to pass a bad check or to get the title of the car without paying for it. Always verify the buyer’s street address and phone number.
    • An escrow service — a third party that holds the title to your car until you are absolutely certain your payment is secure — can be a good option, but only if you use a reputable bank or attorney, or a well-known, established online service. Never agree to an escrow service  that the prospective buyer suggests unless you have thoroughly researched it — the Better Business Bureau is a good place to start.
    • In an overpayment scam. the potential buyer typically tells you that someone else owes him an amount that is higher than your selling price and he wants that person to pay you instead. He then asks you to give him the car, plus the difference in price. (Sometimes the prospective buyer will offer you additional money as compensation.) Regardless of how legitimate they seem, these situations are almost always scams to get you to part with your car and additional money.
    • A prospective buyer who wants to work out a payment plan for your car is likely up to no good. AutoTrader.com strongly advises against agreeing to a payment plan, regardless of the terms. In these scenarios, the buyer typically gets you to agree to a payment plan, frequently with substantial interest, only to leave you with an initial payment (which may or may not be fraudulent) and disappear with your car.

    Where to Report Fraud

    In addition, if you are a victim of fraud, you should file a complaint with the Internet Crime Complaint Center. or IC3. IC3 focuses solely on cyber crimes and is a partnership between the Federal Bureau of Investigation, the National White Collar Crime Center and the Bureau of Justice assistance.

    Finally, contact your local law enforcement. If there was any interaction with a scammer posing as a prospective buyer within their jurisdiction, they should take a report, plus it will help their fraud department identify trends for scams in your area.

    Facts about AutoTrader.com

    We don’t own, buy or sell vehicles listed on our site.

    AutoTrader.com is an online vehicle listing service that connects car buyers with sellers. We are not car dealers. Any listing information about a particular car comes directly from the seller, not us.

    If you receive an email that implies AutoTrader.com is selling or buying a vehicle, please report it to us and to local law enforcement. It’s a scam.

    We don’t offer automotive warehousing or shipping services.

    Any email that requests a deposit or payment for shipment of a car “stored in an AutoTrader.com warehouse” is a scam. AutoTrader.com doesn’t own a warehouse, and we don’t ship cars. Simply put, we don’t get involved in transactions between buyers and sellers (see more below).

    There are many reputable warehousing and shipping services that can make long-distance transactions easy. Just be sure to check out the proposed services for yourself .

    If a seller recommends a bogus warehousing or shipping service, report the seller to us and to local law enforcement.

    We don’t get involved in transactions between buyers and sellers.

    Don’t respond to any email that appears to come from AutoTrader.com (for example, by displaying our logo) and urges you to complete the sale or purchase of a car listed on our site. Such emails are scams.

    Other signs of fraud are emails that:

    • Claim the security of a transaction is guaranteed by AutoTrader.com.
    • Imply we’ve verified information about a particular buyer, seller or listing.
    • Describe a “preferred” or “pre-approved” buyer or seller program.

    AutoTrader.com doesn’t guarantee or endorse transactions. and we don’t have preferred or pre-approved buyers or sellers. We’ll never encourage you to buy any particular vehicle listed on AutoTrader.com or to sell your vehicle to any particular buyer. If you receive a suspicious email such as the ones described above, report it to us and to local law enforcement.

    We don’t ask you for personal or financial information via email.

    Online fraud often begins with a spoof email requesting financial information. These spoof, or scam, emails often impersonate a reputable company such as AutoTrader.com by illegally displaying a company’s name, logo or trademark.

    The intent is to deceive customers into revealing information such as:

    • Username
    • Password
    • Social security number
    • Bank account number
    • Bank routing number
    • Credit card number

    The only time we’ll ever request your credit card information is when you’re in the process of purchasing an ad on our website. We will not take down your listing because you don’t provide account information. If you receive an email that asks for the kinds of information listed above, don’t respond. Instead, report the email to us and to local law enforcement.

    Internet Fraud Resources

    Internet Crime Complaint Center (IC3)

    Better Business Bureau (BBB)

    Federal Trade Commission (FTC)

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


    #poor credit auto loans
    #

    What Is An Average Interest Rate On A Poor Credit Car Loan

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

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

    Market conditions affect the rate of interest:

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

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

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

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

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

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

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

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

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

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

    Used Car Loans – Save On Used Auto Loans #japanese #auto #parts


    #used car auto loans
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    Used Auto Loans from a Dealer

    Rates as low as

    1.99% 1 APR with AutoPay

    You can buy any used auto you want – any year, make and model – from any dealer, with a used auto loan from LightStream, our online lending division. You can also obtain a loan to purchase a used car from a private party . When you have good to excellent credit, LightStream rewards you with a great rate.

    The LightStream loan process is as easy as 1-2-3:

    1. Apply online and get a quick response during business hours.
    2. Once approved, e-sign your loan agreement.
    3. Have the money in your account as soon as today! 2

    We guarantee that this will be the best loan experience you’ve ever had – if not we’ll give you $100. 3

    “Just wanted to thank LightStream for helping me fulfill a lifetime dream of owning a collector car. I now have the car of my dreams and can’t thank you enough for making it happen. Your service is awesome and I am already recommending you to my friends, and the dealer I bought the car from. An overjoyed 69 Camaro owner.”

    – R.P. from Mount Bethel, Penn.

    Knowledge Base #determine #number #of #learners #who #have #completed #different #stages #of #multiple #online #courses,array #formula,blank,calculate,calculatetable,countif,distinctcount,filter,frequency,hasconevalue,if,match,max,min,row,sumproduct,vlookup,iferror,index,small,cubemember,cuberankedmember,cubeset,cubevalue,topcount.,generate #a #list #of #assignees #for #different #projects #based #on #a #competency #matrix,address,indirect,sum #the #largest #5 #of #the #last #10 #numbers #in #a #row #ignoring #blanks,column,offset,subtotal,sum,cortana,sand #dance,powerbi.com,powerbi #desktop,natural #language #queries,convert #a #text #entry #into #its #number #equivalent,len,lookup,mid,rept,text,compute #an #average #for #the #same #day #in #the #past #3 #years,averagex,countax,earlier,format,year,visualising #data #flows #using #custom #visuals,summarise,union,sales #data #modelling #and #interactive #visualisations #of #an #e-commerce #company


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    The firm may or may not have glass sheets of this specific size. The objective is to identify glass sheets, from the inventory on hand, which match customer specifications. If there is no exact match, then one must be able to obtain all inventory items which have the same Thk (MM) and CAT as the customer specified dimensions but the Length and thickness should be more than equal to the customer specified dimensions. The length and width can then be trimmed to match the exact customer dimensions. Furthermore, the result returned should:

    1. List only the Top 30 glass sheets available in inventory; and
    2. List those Top 30 glass sheets in ascending order of wastage (wastage caused when the glass sheet is trimmed to match the customer specified dimensions)

    You may refer to my solution in this workbook. I have shared two solutions – one using Excel formulas and the other using Power Query a.k.a. Get and Transform in Excel 2016. Please read the Comments in cells F1, J9 and J16 of the “Solutions” worksheet. The difference between the 2 solutions is:

    1. Formula driven solution This is in range J10:AM14 of the Solutions worksheet. This is a semi dynamic solution (as compared to the Power Query solution). To get the models in ascending order of wastage, one will have to create an Area column in the base data and sort that column in ascending order.
    2. Power Query solution – This is in range J17:AM21 of the Solutions worksheet. This is a dynamic solution. Just change the customer specified dimensions in range G2:J2 of the Data and Query worksheet. Thereafter just right click on any cell in the range below and select refresh.

    Posted by Ashish Mathur on November 2, 2016

    Here is a simple four column dataset

    A simple Pivot Table (with a slicer) created from this dataset looks like this

    The objective is to determine the Top 3 users of each week for each slicer selection. Unfortunately, there is no way to sort multiple columns of a Pivot Table all at once. Once may either sort by the Grand Total column or by the individual week wise columns. Since we do not want to sort by the Grand Total column, the only way out is to sort the individual week wise columns. The expected result should look like this:

    I have solved this problem by using CUBE formulas. You may refer to my solution in this workbook .

    Posted by Ashish Mathur on September 20, 2016

    Here is a small sample of a Project matrix which shows tasks to be accomplished for various projects. There can only be upto 6 tasks per project.

    From these two tables, one may want to generate another table showing which employees can be assigned to which project (only those employees should be assigned to a project who can complete all tasks). So the ideal solution is to create another column (8th column) in the Project matrix table above which should have a drop down (Data Data Validation) for every project showing which employees are competent for that project.

    Here’s an illustration :

    Assuming that the Project matrix is in range A1:G4 (headers are in row 1)

    1. In cell H2 (for Project1), the drop down should show Jane, Lynda, Paddy and Tom. Mary should not appear there because she cannot perform one of the 3 tasks required to complete the project i.e. Gardener.
    2. In cell H3 (for Project2), the drop down should show Lynda, Paddy and Tom. Jane and Mary should not appear there because they cannot perform the Digging and Engineering tasks respectively.

    The solution is dynamic for the following:

    1. Projects added to the Project matrix Table; and
    2. Tasks added (upto 6 only) or edited in the Project matric Table; and
    3. Employees added to the Competency matrix Table; and
    4. Tasks added to the Competency matrix Table

    I have solved this problem by using:

    1. Power Query; and
    2. Formulas in Data Data Validation.

    You may download my solution workbook from here or here .

    The objective is to generate the numeric code for text code of any length entered in a certain cell. For example, a user will type a certain text code, say ABEJ and the expected result should be 1250. For JABF, the result should be 0126. The text entry and text length are both user determined.

    With ABEJ, typed in cell D2, enter this array formula in cell E2

    This formula can now be copied down for generating the numeric code for all text codes entered in column D.

    Posted by Ashish Mathur on January 28, 2016

    Assume a simple two column dataset with dates in column A and numbers in column B. The dates in column A are from January 1, 2013 to December 31, 2016 and numbers in column B are for the period January 1, 2013 to December 31, 2015 (there are no numbers for January 1, 2016 to December 31, 2016).

    The objective is to “Compute an average for each day of calendar year 2016. The average should be for the occurrence of that day in the previous 3 years”. Here’s an example:

    1. January 1, 2016 was a Friday (the first Friday of 2016) and is in cell A1097
    2. In cell B1097, the average should be computed as: Average of the “First Friday of each of the previous 3 years”
    3. January 8, 2016 was a Friday (the second Friday of 2016) and is in cell A1104
    4. In cell B1104, the average should be computed as: Average of the “Second Friday of each of the previous 3 years”

    I have solved this problem with the help of the PowerPivot. You may refer to my solution in this workbook .

    Posted by Ashish Mathur on January 17, 2016

    Given this dataset, one may want answers to the following questions:

    1. Of all those passengers who originated their journey (City of Origin) from Chandigarh, how many terminated their journey (City of destination) in New Delhi via different modes of transport; and
    2. Of all those passengers who terminated their journey (City of destination) in Jammu, how many arrived in Amritsar (City of Origin) via different modes of transport; and
    3. Of all those passengers who travelled by Bus, how many travelled from City A (City of Origin) to City X,Y,Z (City of destination)

    While one can analyse/slice and dice this data using Pivot Tables, one cannot visualize this data very clearly (even after creating a Pivot chart). I have attempted to visualize this data using a software called PowerBI desktop (a free for download and use Business Intelligence software from Microsoft which rolls all of Excel’s BI tools into 1 – PowerPivot, Power Query, Power Map and Power View).

    You may download the source Excel workbook and the Power BI desktop workbook from this link .

    You may also watch a short video here:

    Posted by Ashish Mathur on November 13, 2015

    In this workbook. I have Sales data of an E-Commerce Company for 3 months. The typical columns in the base data are:

    1. Order Date/Time
    2. City to which orders were shipped
    3. Order Number
    4. Payment Type i.e. Cash on delivery, Net Banking, EMI’s
    5. Order Status i.e. Delivered or cancelled
    6. SKU’s which the ordered items fall into
    7. Products which the ordered SKU’s fall into
    8. Categories which the ordered products fall into

    Given this simple tabular representation, one may want to analyse and visualize this dataset from multiple perspectives based on user selections, such as

    “What was the revenue earned from the Top 5products in the A100 category in April for orders shipped to New Delhi ?”

    In this query framed above, the end user should have the leeway to select any/all of the underlined facets. So one can either choose revenue earned or Number of orders. Likewise, one can either select Top 5 products or Top 15 products/Top 5 SKU’s etc.

    With relative ease, one should also be able to “Perform an affiliate analysis” showing which categories are ordered together (to study affiliations). Please review this post for an independent discussion on “Affinity Analysis”.

    Furthermore, one should be able to perform a free form timeline search such as – “I would like to study growth in Total revenue of March 2-8 2015 over Feb 1-4 2015”

    You may download the workbook from the link shared above.

    You may watch similar videos showcasing the capabilities of Business Intelligence in MS Excel:

    Here’s a video showing the capabilities of this Sales data model

    You may also watch this short video to see how I visualized the revenue flow from Categories to Shipping cities during different Order periods using Custom visuals available in PowerBI desktop.

    Please feel free to download the PowerBI desktop workbook of the video shown above from here .

    For a detailed overview of Sankey diagrams (a Custom visual available in PowerBI desktop), you may refer to my Blog article here .

    Another great Custom visual (Sand Dance) which allows data discovery has been shown at this link. At that link, you will also be able to see how I queried the underlying dataset using “Natural Language”.

    Tips on Finding the Best Auto Loan Rates #auto #supplies


    #best auto loan rates
    #

    Tips on Finding the Best Auto Loan Rates

    Page 1 of 5

    How to Find the Best Car Loan Rates

    Finding the best auto loan rates hasn t been easier than it is today, especially if you have excellent credit. An October, 2012 report by Automotive News said that banks are charging U.S. buyers the lowest interest rates on new-car loans since the Federal Reserve began surveying them in 1971. Additionally, Comerica Bank s Q2 2012 Auto Affordability Index shows that new vehicles are more affordable for the average American household than they ve been since the early 1980s.

    These trends, my friends, indicate a buyer s market. Quite literally, there hasn t been a better time to buy a new car. truck, or SUV since I was in junior high school.

    As favorable as market conditions might be, getting the best car loan rates still requires some effort on the buyer s part, unless, of course, you re taking advantage of a 0% financing opportunity. Rates don t get any lower than that.

    If your credit isn t perfect, or the vehicle you want to buy isn t available with zero-interest financing, you ll need to shop around for the best auto loan rates. On the pages that follow, we ll provide useful tips on finding the best auto loan rates.

    Page 2 of 5

    Know Your Credit Score

    Tip #1: Know Your Credit Score

    Before you shop for the best auto loan rates, it s helpful to know exactly what s on your credit report, and what your credit score is. There are three primary credit-reporting agencies in U.S. Experian, Equifax, and Trans Union and they are required by law to provide consumers with one free credit report each year.

    To obtain your free credit reports, it isn t necessary to contact each credit-reporting agency individually. Simply visit AnnualCreditReport.com and you can make a single request for all three reports.

    When your credit reports arrive in the mail, be sure to review them closely. If you find errors, be sure to file an individual dispute for every error discovered, and do this as soon as is possible. According to federal law, the credit reporting agencies have 30 days to verify whether the information on your report is accurate, or they must remove it from your record.

    Now that you know what your credit report contains, and what your credit score is, you re ready to try our tips for finding the best auto loan rates.

    Page 3 of 5

    Shopping Lenders for the Best Auto Loan Rates

    Tip #2: Shop a Network of Lenders

    Rather than approach financial institutions individually to discern the best car loan rates, try shopping for the best auto loan rates through a network of lenders, such as Lending Tree. With a company like Lending Tree, consumers can submit a request for a car loan and obtain the best car loan rates from several financial institutions.

    Approaching the task in this fashion saves time, and can quickly help a consumer find a competitive rate that serves as a benchmark for further competitive shopping.

    Tip #3: Shop Your Current Bank or Credit Union

    Once you know what the best auto loan rates are through a lending network, its worthwhile to visit the local branch of your existing bank or credit union to see if they can offer you a better rate. Be sure to take the best existing offer you have along for the visit, and ask your financial institution if they can beat your best deal.

    Oftentimes, because they re more familiar with your finances and bill-paying history, your existing bank can work with you to provide the best auto loan rates.

    Page 4 of 5

    Shopping Dealers for the Best Auto Loan Rates

    Tip #4: Shop the Dealer

    Car dealers have access to a wide variety of finance options, and can often provide you with the best auto loan rates. However, your chances of getting a great interest rate are improved if you walk through the door pre-approved with a loan because the dealer and its network of financial institutions will know that you re credit-worthy, and they ll know what rate they need to beat to win your business.

    And if they can t, don t worry about it. If you ve followed our tips on finding the best auto loan rates, you ve arrived at the dealership with a pre-approved loan that already meets your requirements.

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    On Sale – Nevada Cheap Cars #buy #cars #online


    #cheap car for sale
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    On Sale

    2004 Mitsubishi Outlander

    Up for sale 2004 Mitsubishi Outlander in beautiful silver, cold a/c, current-smog certificate in hand ,clean title, runs and drives great, plenty of passing power great on gas. 133,521 Highway Maintained miles,3 months warranty included.

    2007 Mitsubishi Galant

    Up for sale 2007 Mitsubishi Galant in beautiful silver, cold a/c, current-smog certificate in hand ,clean title, runs and drives great, plenty of passing power great on gas. 120,000 Highway Maintained miles, 3 months warranty included. call or text 7028268328 702-826-8328 7o28268328 $5400 cash out the door

    2003 Nissan Murano Excellent transport!!

    2009 Ducati Monster 696

    Up for sale is a 2009 Ducati Monster 695 powerful 696cc italian engine only 10,900 original miles clean title tires like new brakes like new runs and rides great come get it no joy rides. test rides with cash in hand only. you damage it, you bought it policy serious seller looking for serious buyer its riding season no better time to buy $6800 Cash OBO call 702-826-8328 7028268328

    2005 Chevy Cobalt 2.2 liter

    Clarke Kent Plumbing #clarke, #kent, #plumbing, #austin, #tx, #texas, #commercial, #residential, #plumber, #plumbers, #leak, #leaks, #repair, #repairs, #installation, #installations, #toilet, #replacement, #water #heater, #tankless, #on #demand, #pflugerville, #leander, #round #rock, #georgetown, #lakeway


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    Locally Owned Since 1986

    Whether you are an Austin area homeowner, business owner or the person in charge of getting it fixed, we have the right plumber for your job. Our residential commercial plumbers are not only trained to diagnose, but to educate the consumer about their options. Our commercial plumbers know that one of the most important things is someone who can get in and out in a timely manner.

    Clarke Kent Plumbing is recognized in our community and beyond as the company who can get the problem fixed no matter the circumstances. Our company has been selected by some of the major manufacturers to be trained in the latest technology. We are factory certified to perform commercial boiler start-ups, residential digital shower installations or simple plumbing repair.

    Regardless of when you call us, you will always get a real person. We sell service as well as plumbing. What’s important to us is building trust- one customer at a time. And we’ve been doing that since 1986.

    What our customers are saying about us

    “Thanks so much to Robert from Clarke Kent Plumbing for clearing out a main stoppage clog in my old 1950’s house. I was so impressed by his professionalism, knowledge, and helpfulness. Robert came out on 3 different occasions (within an 18 hour time period- on a weekend, I might add) to help me unclog my main sewage line. He walked me through the different options, problem solved, and kept prices to a minimum. He also didn’t mind me being by his side so that I could understand the process. Robert worked very efficiently, communicated with me through the entire process, and came at the time he said he would. I would recommend Clarke Kent Plumbing to all of my friends and plan on using them to replace my main sewage line in the next year or so.”Colleen J.

    THANK YOU! Will keep calling when we need! You all have always done great work! I had wonderful customer service!”-Amanda R.

    “Mr. McKillip was very personable and the price he quoted me, was the price I ended up paying. I can honestly say, I can’t remember the last time I’ve been this happy to pay for a service. Mr. McKillip went above and beyond what was required of him, and exceeded all of my expectations. I am impressed by both Mr. McKillip and your company. Your customer service reps/dispatchers were also very kind, on point, and professional. Without a doubt, if I ever need the services of a plumber in the future, I will be calling Clarke Kent Plumbing! Trust me, I will be sure to recommend your company to everyone I know. Great plumbers are hard to find!”-A. Opel

    The Most Popular Online Salvage Car Auctions: Bid on a Car Today #german #auto #parts


    #salvage auto auction
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    The Most Popular Online Salvage Car Auctions: Bid on a Car Today

    An online salvage car auction can be a great way of securing hard to find parts for a car restoration project. When an owner has a totaled car, he’ll often sell or give it to a salvage lot. People looking to buy totaled car parts can inspect the vehicle for any components that may still be viable and ready to sell. An increasing number of these parts are available through online auctions.

    Copart USA is one of the best sources for salvage car parts available online. This auction site allows you to search by car make, model, year, part and a number of other factors. Additionally, the wide range of selection that Copart USA offers makes it a great place to find both competitive prices and otherwise hard to find items.

    Gov Auctions is a website that sells cars that were previously used and which have been repossessed or claimed by the government. In some cases, these cars are salvage quality and will sell for quite a bit less money than standard cars would. This site has a great selection, but you may have to do some sifting through your options in order to find the salvage car parts that you’re looking for.

    Auctions Pass is a third website that provides a great selection of different salvage cars and salvage car parts for your use. With the help of Auctions Pass, you can search through a wide range of locations and sellers to find the best parts and pieces for your needs.

    New iPad: everything you need to know #share #screen #on #ipad


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    TechRadar

    New iPad: everything you need to know

    Update:The new iPad from Apple is out today. You’ll be able to order from around the world by the end of the day, and we expect to see if appear on the Apple website at 8AM PT (11AM ET, 3PM GMT) .

    Apple has launched its new iPad. There’s no fancy name, or incremental number attached to this slate though. It’s simply just ‘iPad’.

    The Cupertino firm is solidifying its simplistic naming regime – MacBook and MacBook Pro. and now iPad and iPad Pro .

    This latest slate replaces the iPad Air 2. and slides in below the feature-packed iPad Pro 9.7 and iPad Pro 12.9 as a more affordable, large screen tablet.

    Don’t get too excited about this new iPad though, as it’s very much an incremental upgrade over its predecessor.

    New iPad release date

    • Order online from March 24 – that’s today!
    • Only an hour to go until you can buy it on the Apple online Store

    Apple has already filled its website with new iPad details, and that includes the dates of when you’ll be able to order the slate.

    The new iPad release date is set for 08.01 PT (11.01 ET, 15.01 GMT) on March 24, and while you’ll be able to order your new tablet online from then it’s not clear when it’ll arrive on your doorstep and in stores.

    New iPad price

    There’s some good news right here, as the new iPad is cheaper (yes, CHEAPER) than the iPad Air 2 it replaces.

    New iPad prices start at $329 ( 339, AU$469) for the 32GB, Wi-Fi only model and rise all the way to $559 ( 559, AU$799) for the 128GB, Wi-Fi and cellular model.

    The iPad Air 2 finished it days on the Apple Store at $399 ( 379, AU$569) for 32GB/Wi-Fi and $629 ( 589, AU$879) for 128GB/Wi-Fi+Cellular.

    New iPad design

    Looks wise there’s nothing different on the new iPad. It still sports Apple’s premium metal body, home button with Touch ID, a large 9.7-inch display and slender frame.

    It is, however, thicker than both the iPad Pro 9.7 and iPad Air 2 at 7.5mm, but it maintains the same height and width at 240 x 169.5mm.

    There’s also a little extra weight, but only by a few grams, with the new iPad coming in at 469g (1.03 pounds) for the Wi-Fi only tablet and 478g (1.05 pounds) with the cellular connectivity.

    The headphone jack remains on the top of the new iPad, as does the Lightning connector and dual speakers on the base.

    You can pick up the new iPad in three colors: silver, gold and space grey.

    New iPad display

    You’ll get some serious deja vu here, as the new iPad packs a 9.7-inch Retina display with a 2048 x 1536 resolution at 264 ppi.

    That means you’ll get exactly the same on-screen experience as the iPad Air 2, and the specs also match that of the iPad Pro 9.7, although that does have a brighter, more colorful True Tone display panel.

    New iPad power and interface

    Dive under the hood of the new iPad and you’ll find an Apple A9 processor and M9 coprocessor – both improvements over the chips found in the Air 2, but not as high spec as the iPad Pro.

    There’s currently no word on RAM, but considering both the iPad Pro and Air 2 packed in 2GB it’s safe to assume the new iPad has the same. In terms of storage options you get to choose from either 32GB or 128GB.

    Meanwhile, on screen the new iPad runs iOS 10 – which will shock no one.

    New iPad cameras

    No tablet should ever be used as a camera, but still manufacturers insist on slapping snappers onto their slates.

    The new iPad is no different, with an 8MP rear camera and a 1.2MP FaceTime option up front – once again matching the setup on the iPad Air 2.

    New iPad battery

    • Up to 10 hours of sur ng the web on Wi Fi

    Apple new reveals the size of the batteries it sticks inside its devices, and it’s the same story here.

    While the capacity will likely come out in the coming months, for now Apple says the new iPad will be able to manage ‘up to 10 hours of sur ng the web on Wi Fi, watching video or listening to music’ or ‘up to 9 hours of sur ng the web using a mobile data network’ on a single charge.

    You’ll have to wait for our full new iPad review to find out if it can live up to the claim.

    Geeks On Cars: How to Repair an Auto Air Conditioner #auto #insurance #comparison


    #auto air conditioning repair
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    How to Repair an Auto Air Conditioner

    Know your parts

    Diagnose which part of the air conditioning (AC) system is going awry. There are five major parts of the AC system. The compressor circulates and compresses the coolant. (The coolant carries the heat in the system, and is usually R-134 on most newer models). The condenser changes the phase of the coolant and removes the heat from the coolant as well. The expansion valve regulates the pressure of the coolant. The evaporator transfers heat from your car to the coolant. The dryer acts as a filter for the coolant by removing moisture and contaminants.

    Test your hoses for leaks. Make a simple solution of liquid detergent in a spray bottle and soak the AC hoses and connections while the system is running. The coolant must be under pressure to reveal any leaks. If you see any bubbles, you have found your leak. Only when you are sure that there are not any leaks can you add coolant to your system. It is illegal to release freon gas into the atmosphere.

    Clear out the condensing coils. Debris can sometimes gather around the condensing coils, preventing heat from being expelled from the AC system. Also look around for any broken wires, burned-out fuses, bad switches, broken fan belt, or seals that have broken around the compressor.

    Top off the coolant. If the system has some coolness to the touch, but not a lot, perhaps it is only missing some coolant. If this is the case and you have already checked for leaks, add some coolant. This should raise the pressure inside the AC system and will increase its ability to perform the cooling operation.

    Dollar Car Rental Deals – Rent a Car with Dollar Car Rentals on CheapOair #oreilly #auto #parts


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    Dollar Car Rentals – Book Now & Save

    Rent a Car with Dollar Rent a Car

    Book a Dollar car rental with CheapOair. Planning your next family vacation or business trip has never been easier with the company’s car rental travel partner program featuring convenient online airline and hotel reservations from major companies like Southwest, American, Continental, United, Hawaiian and more! Special car rental offers and low everyday rates assist you in keeping your travel plans within your budget.

    Dollar Car Rental Deals

    Find our Lowest Deals on Wheels with CheapOair!

    Get one of our Dollar car rental deals and enjoy a selection of top quality vehicles, ranging from budget to mid-range and luxury options. With Dollar car rentals, you’ll find the right car for your vacation, whether you need a sports car for you and a friend or an SUV that fits the entire family. It’s easy to make Dollar car rental reservations, with pickup and drop-off at convenient centers located at the airport, in downtown areas or even in the suburbs. Rent a car with CheapOair today to explore new destinations in style and comfort!

    Tips for Saving on Cheap Car Rentals

    Rent a car on a Friday or a Monday – many rental companies offer weekend discounts.

    Rent a car at a location other than the airport – airport rentals are often more expensive.

    Sign up for the CheapOair Newsletter Get discounted deals sent right to your inbox! The CheapOair newsletter delivers you the best travel deals, news and tips to help you plan trips to top destinations around the world for less. With CheapOair, you will never miss another deal again.

    Don t Pay MSRP! Find our Lowest Price on a New Car! #auto #batteries


    #auto pricing
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    2015 Honda Civic

    Over the past month, we helped 97,584 new car buyers find their perfect car!

    New/Notable:

    • Sold in coupe or sedan body styles
    • Best-selling compact car in America
    • Carryover with no updates for 2015

    The 2015 Honda Civic is the latest version of the popular compact car and carries over unchanged for the 2015 model year.

    The last few years have been very busy for the Civic. It got a complete redesign in 2012, a refresh for sedan models in 2013, and a refresh for the coupe and Si in 2014, so Honda s engineers get to take a breath for 2015.

    Exterior styling varies by body style, with the sedan offering a more sedate look while the coupe is much more menacing, with sharper lines and a more aggressive front end. The coupe also has a pair of very prominent fog light recesses flanking the lower air intake which give the Civic coupe a distinct look up front. There are no less than six wheel choices, and fog lights and a power moonroof are optional. Sporty Si models get their own visual signatures, with side sills and Si badging, along with unique wheels.

    Coupe and Sedan models share a 143-hp, 1.8-liter four-cylinder engine. Last year, the Civic got a new CVT transmission with paddle shifters that replaced the five-speed automatic. It joins a five-speed manual among the transmission options, while the Si gets a six-speed manual. The Civic puts a premium on fuel economy; sedan models return 30/39 mpg city/highway with the CVT (28/36 with the manual), with the coupe achieving similar figures (29/38 on higher trim levels). Under the hood of Si models is a 205-hp, 2.4-liter four-cylinder.

    Since the updates in 2013 and 2014, the Civic cabin has been a personal favorite thanks to its liberal use of high quality materials, backseat room, and comfortable seating. It s a compact car that feels larger and more upscale than its compact price would suggest. Similar to the sporty CR-Z, the center console is slightly canted towards the driver offering easier access to controls for the climate and audio systems. Standard features include a color i-MID display, Bluetooth connectivity, Pandora internet radio, SMS support, and a USB/iPod port, all of which make the Civic one of the most tech friendly out of the box cars around. A navigation system, leather upholstery, and heated front seats are optional.

    The 2015 Civic also offers a class-exclusive standard rearview camera, along with antilock brakes, six airbags, and an electronic stability system with traction control. For its performance in crash testing, the Civic got a full five-star overall rating from the NHTSA, their highest designation.

    2015 CarPriceSecrets.com . All rights reserved.

    Common Selling Pitfalls to Avoid – Adviser: Car Advice on How to Sell a Car #detroit #auto #show


    #selling a car
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    Common Selling Pitfalls to Avoid

    There’s no perfect way to sell a car—no magic formula that will guarantee you your asking price from a responsible buyer in a timely manner. Instead, selling your car involves making a long series of decisions that will vary based on your car, your location, and many other factors. And a little bit of luck never hurts.

    But even though there’s no guaranteed blueprint for a quick and easy sale, there are lots of things you can avoid that will turn buyers off and make the process harder overall. Here’s a quick list of ten wrong turns you can take during the process of listing, selling and closing the deal:

    Unrealistic Expectations: If you go into the process thinking your car will sell overnight, you may end up disappointed. Of course, buyers will be quick to pounce on any vehicle that seems like a steal, but if you’ve priced your car in the average to high range, it may take longer to sell. So, set your expectations accordingly—the average used car spends several weeks online before the right buyer comes along.

    Incomplete Description: Take full advantage of the Vehicle Description area on your ad by telling the story of your car. Why are you selling? How many owners has the car had? Being up front and honest about these details makes a positive first impression on buyers.

    Low Quality Photos, or Not Enough: Uploading photos with your ad is a must, but that’s not the end of the story. Buyers like to see detailed photos of the car from various angles, to make sure there are no surprises when they come see it in person.

    Slow or Unfriendly Response to Inquiries: Tye Frazier, AutoTrader.com Customer Adviser, recommends channeling your inner salesman. “Make sure that when you get a call, you’re eager to talk to folks,” he says. “Always sell the car to every caller. Even if you have ten calls in a row, you could be talking to the one person who wants to buy the car.”

    Inflexibility: This could mean inflexibility with regard to price, going to meet a buyer for a test drive, or any other related issue. In the end, your asking price is entirely up to you, but most buyers will expect you to work with them.

    Dishonesty about Price or Vehicle Condition: Nothing turns buyers off faster than thinking a seller is dishonest. All buyers know about your vehicle is what they see in your ad, so if you quote them a different price or if they see something that was inaccurately depicted in the ad, they will be immediately suspicious. From there, negotiations can quickly fizzle.

    Lack of Knowledge about Your Car: To sell successfully, you have to be an expert on your car. Anticipate the questions you’ll receive and be ready with quick, knowledgeable answers. This will instill confidence in the buyer and also help you at the negotiation table. According to Frazier, “You have to stick to what your price is by sticking to the facts. You have to know what your car is worth and why.”

    Dirt and Grime: Your car’s outward appearance makes a big difference. Buyers will be impressed if you get your car looking its best . but beyond that, a dirty car might make a buyer think that it has been improperly maintained in other ways.

    Incomplete Paperwork: A buyer will be pleasantly surprised and reassured to see that you have all your paperwork in order, especially if your car has had any major repairs in the past. Again, even if you’re not actively trying to be deceptive, a buyer may think you are if you can’t fill in all the blanks of your car’s history.

    Fraud: Perhaps the worst pitfall of all is dealing with a dishonest buyer. There are many schemes out there, and awareness is the best defense against them. Find out what you need to know to avoid internet fraud .

    Andrew Golaszewski is a staff writer at AutoTrader.com.