Car Insurance & Auto Insurance from Nationwide, automobile insurance rate quote.

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6 reasons to choose Nationwide for car insurance

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On Your Side ® Claims Service

After an accident, you want things to get back to normal fast. File your car insurance claim and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.

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Discounts on car insurance rates

We offer many ways to lower your auto insurance rates, including good student and multi-policy discounts.

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See what members are saying about Nationwide

Want to know how we handle claims? Find out online from our auto insurance members. Learn why they would recommend us to friends and family and then get an online auto insurance quote today.

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Vanishing Deductible ®

As you shop for online car insurance, keep in mind that we want to reward safe drivers. Our exclusive program reduces your car insurance deductible $100 for every year of safe driving.

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On Your Side ® Review

Make sure your vehicle insurance keeps up with your life. A Nationwide insurance agent can help you get the coverage you need and the discounts you deserve to lower your car insurance rates.

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Member resources

As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member.

If you own a classic, antique, vintage or other collector vehicle, you may need classic car insurance. Learn more about Nationwide classic car coverage, which we offer in partnership with Hagerty.

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Vehicle Safety Tips

Learn how to protect yourself and passengers with safe driving tips and auto insurance basics.

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Driving Tips for Teens and Parents

Find out how to keep costs – and stress levels – down with your teen driver.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Bundle and Save on Your Insurance

Combine auto, home and life to save time and money.

  • Discover the Benefits of Online Access

    Pay a bill, print an ID card, view policy details, manage your policy and so much more.

  • Teen Driver?

    Find out how to keep costs − and stress levels − down.

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    The coverage you need to protect your property – and yourself.

  • Boat Insurance Discounts

    Keep your premiums low with these special savings.

  • Motorcycle Insurance

    Find out why so many riders are switching to Nationwide.

  • Vanishing Deductible ®

    Get $100 off your auto insurance deductible for every year of safe driving.

  • What’s Your Sign?

    Learn what your road sign horoscope says about you.

  • Auto Insurance by State

    Get the right coverage for your area.

  • Low Auto Loan Rates

    Pay less on what you borrow with Nationwide Bank.

  • Nationwide Mobile App

    Our accident toolkit can make filing a claim even easier.

  • Pet Insurance

    Nose to tail coverage is more affordable than you think.

  • Automobile insurance rate quote

    For Sports, Camps and Events

    Protect your participants with accident medical insurance.

  • Start a Claim

    Talk to an agent or make your claim online.

  • Long-term Care Concerns?

    Find out how life insurance may be able to help.

  • Watch Our Ads

    Check out the latest Nationwide television commercials.

  • Safety First

    Prepare your house and your family for bad weather.

  • Automobile insurance rate quote

    Now From Nationwide Blog

    Basic how-tos, articles and more on what matters most.

  • Test Your Knowledge

    See how well you really understand insurance.

  • Multiflex SM Dental Insurance

    Get affordable and flexible coverage that gives you the freedom to choose any dentist.

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    Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.


  • Instant Life Insurance Quotes – Term Life Insurance Quotes OnlineInstant Quote Life Insurance, term life insurance rate quotes.

    #Term #life #insurance #rate #quotes


    Instant Life Insurance Quotes Made Easy

    At InstantQuoteLifeInsurance.com, our goal is to provide you with instant life insurance quotes from the best term life insurance companies. With our easy-to-use life insurance quote engine, you can quickly find affordable term life insurance coverage. Now you can shop online for life insurance without sales pressure. You can also browse our website to get answers to some of the most common questions and concerns regarding life insurance.

    You can learn about and obtain instant quotes for term, return of premium term and universal life insurance without speaking to an agent. Prefer to speak to an agent? You can reach us at 866-691-0100.

    Get Instant Term Quotes without Compromising Your Privacy

    You can anonymously access our life insurance quote engine and instantly get term life insurance quotes without entering personal information. We believe you are searching for insurance quotes online because you want to make this important decision in the comfort of your own home without any sales pressure. If you are leaving your name, phone numbers and email address on a website in order to get instant quotes, it is inevitable that you will be receiving one or several sales calls. At InstantQuoteLifeInsurance.com, your privacy is important to us. That is why we don’t require your contact information in order to get quotes. However, if you do want a live person to speak to, our licensed agents are available to answer your questions.

    We Work for Our Clients – Not for One Insurance Company

    While we do represent many highly-rated term life insurance companies, such as John Hancock Life, Mutual of Omaha, ING and Linclon National, to name a few, we are independent brokers and, as such, we will always strive to do what’s best for our clients. That means helping our clients select the right insurance policy from the insurance company that best suits them. We are not beholden to any one company and will never steer a client to a particular company to meet a sales quota or earn extra commissions or bonuses. First and foremost, we will always do what’s best for you, the consumer.

    One Size Does Not Fit All

    While term insurance is a great fit for most people, there are other insurance products that might be more appropriate for some people. That is why, in addition to term life insurance, we also offer return of premium (ROP) term insurance universal life (instant quotes available for these) and whole life. For families with special-needs children or those with estate planning needs, we offer survivorship/joint survivor (or second-to-die) insurance.

    Recent Blog Posts

    Affordable Life Insurance with Asthma

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    Something quite interesting about today’s life insurance market is that very few people pay more premium for being affected by asthma. In the grand scheme of things, only the worst cases of asthma are rated sub-standard by most life insurance companies. Yes, there is affordable life insurance with asthma. When someone is shopping for life [ ]

    What is the Medical Information Bureau?

    September 26, 2017

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    The Medical Information Bureau (MIB) provides a collection of private medical and non-medical (hazardous avocations, hobbies, and driving violations) data. The primary purpose of the MIB is to furnish the exchange of underwriting information between its member companies. Member companies are compelled to report a coded summary of conditions and conclusions which may be important [ ]

    6 Life Insurance Tips for Millennials

    September 14, 2017

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    Although we grow into adults year by year, there can still be a shock to our systems when we find ourselves out of school and out of our parents home. Regardless of how prepared we may believe we are, complicated issues are thrown at us every day and in every manner. Yes, there is the [ ]

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

    #university #of #alabama #acceptance #rate


    #

    The University of Alabama – Tuscaloosa

    Students Say

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

    Overview

    Campus Life

    Undergrads living on campus

    Help finding off-campus housing

    First-Year Students living on campus

    Housing Options

    Apartment Single Disabled Student Dorms Coed Dorms Female

    Dorms Male Frat Sorority International Student Other Theme Housing

    Students Say

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

    Special Needs Admissions

    Program / Service Name

    Documentation Requred for LD

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

    Documentation Requred for ADHD

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

    Special Need Services Offered

    Most Popular Places On Campus

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

    Most Popular Places Off Campus

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

    Campus Tours

    Transportation

    Types of Transportation Available to Campus

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

    Driving Instructions to Campus

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

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

    In The News

    Productive Preparation

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

    Quality Content Delivery

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

    Engaging Teachers

    We love our teachers, and so will you. We look for proven expertise and a sense of humor, and that’s BEFORE we put them through 40 hours of training!

    Better Scores

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


    Term Life Insurance Canada – Life Insurance Inc, online life insurance rate.

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    We are independent Canadian Life Insurance Brokers. Shop online for term life insurance quotes and critical illness insurance quotes

    nobody quotes more companies.

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    Types of Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Online life insurance rate

    Critical Illness Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).

    Online life insurance rate

    Term Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Online life insurance rate

    No Medical Exam Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).


    Affordable Car Insurance Quotes and Rates Online, affordable auto insurance rate. #Affordable #auto #insurance #rate


    Personal Auto Insurance

    Looking for affordable insurance? We know that it can be difficult to find the right insurance that fits your needs. That’s why, here at Titan, we want to help you make sure you get the right coverage that fits your needs.

    Why choose Titan for an affordable vehicle insurance policy?

    From the time you establish your auto insurance policy with Titan, you’ll notice a difference. With Titan, you’ll get helpful customer service, local agents and great auto insurance for as little as $1 a day.

    From the minimum state required limits to full coverage, our policies are tailored to meet your unique needs and budget.

    Titan’s affordable insurance coverage options include:

    Liability insurance coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs and lost wages subject to policy coverage provisions and limits. Liability coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

    Many state laws require liability coverage. Each state has its own minimum requirement.

    Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

    Uninsured or underinsured motorist coverage helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured driver results in injury.

    This car insurance coverage may also pay for lost wages and other damages. Auto coverage varies from state to state and is required in some states.

    If you are injured in an accident, medical payment coverage can help pay for your medical expenses.

    When used together, comprehensive and collision coverage are great ways to protect your vehicle. Comprehensive coverage may cover damage to your vehicle not caused by collision.

    Titan also offers additional types of insurance coverage to supplement your auto policy. Designed to protect you against the unexpected, these coverage options include roadside assistance if your car breaks down, towing and labor if you’re stranded and rental reimbursement to cover the cost of a rental car while your vehicle is in the shop for accident-related repairs.

    Is it possible to get affordable car insurance for high risk drivers?

    If you have a less-than-perfect driving record, it can be difficult to find an insurance company that provides affordable car insurance for high risk drivers — or “non-standard” insurance.

    At Titan, we understand that accidents can happen to anyone at any time. That’s why we offer affordable policies that help you get back on track.

    You may be considered a high risk driver if any of the following apply:

    • You have multiple speeding tickets or traffic violations in a short period of time
    • You have more than 6 points on your driving record
    • You’ve had at-fault accidents while uninsured
    • Your record includes a DUI/DWI conviction
    • You’re a teen driver
    • You’ve had a lapse in coverage

    What is an SR-22?

    If you’re considered a high risk driver and have had your driver’s license suspended, a court may require you to carry what’s known as an SR-22 in order to have your driving privileges reinstated. An SR-22 document states that you’re financially responsible and carry your state’s minimum liability insurance limits. Your SR-22 status will likely continue for at least 3 years, during which time you must maintain a high risk auto insurance policy. Otherwise, you may risk having your license suspended.

    How to get affordable vehicle insurance by leveraging available discounts

    You may be a high risk driver, but that doesn’t mean you can’t get the discount auto insurance coverage you need. At Titan, we offer a variety of discounts to help you get affordable vehicle insurance – like maintaining an accident-free driving record, insuring multiple vehicles and more.

    3 easy ways to get an affordable car insurance quote

    Call your local agent or get an affordable car insurance quote online and find out how much you can save. You may qualify for a discount for even cheaper auto insurance.

    • Get affordable auto insurance online by entering your zip code at the right
    • Call 1-800-TITAN-UP (1-800-848-2687)
    • Find a Titan Insurance agent or broker near you

    Need to understand the minimum auto insurance coverage that’s right for you? Talk to a Titan representative about affordable insurance coverage that can help protect you if you’re in an accident. And for even more affordable coverage, check our discounts on auto insurance.


    What Is an Insurance Quote, car insurance rate quotes.

    #Car #insurance #rate #quotes


    What Is an Insurance Quote?

    An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.

    How long does it take to get a car insurance quote?

    Car insurance rate quotes

    Getting a single quote should not take much of your time. A lot of factors can affect the amount of time it takes to get an insurance quote. How many drivers and vehicles you have and where you get your quote, can all affect the time it takes to actually get a quote.

    Call an insurance agent: You can expect to spend five to ten minutes giving an agent your information. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. Your call should be returned on the same day unless you called late in the day. The return phone call will probably take an additional five to ten minutes depending on how many questions you have about the information given to you.

    Get a quote online: 15 minutes is advertised as the time it takes to get an insurance quote online. Certainly, the time varies according to your computer skills and how many vehicles you need insurance on. Online quotes require a lot of detailed information in order to get an accurate quote.

    Continue to 2 of 4 below.

    How many car insurance quotes should you get?

    Three to five insurance quotes should give you a good look at what is available. A quick tip on getting multiple quotes at one time is to utilize independent agents. Independent agents sell insurance through multiple insurance carriers. An independent insurance agent will be able to check with each of its insurance carriers and give you their best rate. Ask an independent agent which companies they quoted you through so you do not get duplicate quotes when calling around.

    A couple different online insurance websites give you the opportunity to get quotes from multiple insurance carriers too. You only need to input your information a single time to get quotes from several carriers. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.

    Continue to 3 of 4 below.

    How do you select the best automobile insurance quote?

    Most people pick the best insurance quote based on price. A couple of other things to consider include how efficient the agent was at getting the quote to you and explaining all the information. If you are going the online route, how did you like inputting all of the information on your own? Do you feel comfortable with all the insurance terminology?

    Just as important is whether or not the quote has the coverage you need and want. When you are getting quotes on car insurance, you should have each company run the quote a similarly as possible. It is the only way you will know which carrier has the best price for you.

    How often should you get automobile insurance quotes?

    Getting quotes often is advertised frequently. But, how often should you really be getting insurance quotes? It really depends on your relationship with your insurance agency. If you love your insurance agent and trust them whole heartedly, then maybe you should never shop for a new insurance carrier. There is something to be said for good service.

    Sometimes enough is enough when it comes to price though. And, there is nothing to say you can’t find good service somewhere else. If your car insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes.

    To put an actual number on it, you should check around every two to three years unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.

    Automobile insurance quotes are one thing you should be comfortable with as a car owner. Insurance rates are always changing. Checking around for automobile insurance quotes could potentially save you hundreds of dollars.

    Ready to start building wealth? Sign up today to learn how to save for an early retirement, tackle your debt, and grow your net worth.

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    Whole Life Insurance, Affordable Whole Life Insurance Rates, affordable life insurance rate.

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    Whole Life Insurance

    Whole Life Insurance is a type of Permanent Life Insurance that has a specific face value and also accumulates cash value that can be considered part of your investment portfolio. It is more expensive than Term Life Insurance because of its cash value, which can even be borrowed against by the insured member. Although premiums can be expensive, they generally remain level and are payable for life. Since premiums are based on age at time of enrolling, you can save premium money by purchasing a policy when you are younger. These type of policies, unlike Term Life Insurance, will remain in force for as long as you continue to make your monthly premiums.

    A Whole Life Insurance policy provides you with a fixed amount of benefits and also a fixed amount of premium or payments that you have to make to the life insurance company. There are many benefits to owning a this type of policy such as dividend payments, cash value, secured asset for loan collateral, cash payment for final expenses such as burial expenses, estate and probate taxes. Moreover, Whole Life policies can be cancelled and you can receive a rebate for any cash value that has been accumulated on that policy.

    There are several different traditional types of Whole Life, each with their own unique benefits. In a Participating Whole Life Insurance, the insurance will share excess profits with the policyholder in the form of dividend payments. Non-Participating Whole Life Insurance has no shared profit benefits and the value of the policy is determined and fixed when the policy is written. An Indeterminate Premium Policy is like a Non-Participating policy, but the annual premium can be variable. Another type is the Limited Pay policy, in which you may only be required to make a premium payment for a specific number of years and the policy will continue to provide benefits throughout your lifetime. Economic, Single Premium and Interest Sensitive are other types.

    We recommend you speak to a local licensed insurance agent so that you can learn more about it and be informed about your options. Please feel free to contact the licensed agents listed on our site for more information. Understanding the investment opportunities of a Whole Life Insurance policy will likely require the assistance of a professional.



    5 steps to trim a subprime car loan rate #chilton #auto #repair


    #subprime auto loans
    #

    5 steps to trim a subprime car loan rate

    Highlights

    • A subprime car loan is for a buyer with a low credit score.
    • A consumer has the right to dispute any information on a credit report.
    • A down payment of 20 percent will improve your profile with a lender.

    Despite the stigma of the word “subprime” when it’s attached to any kind of loan, subprime car loans are on the upswing as a share of overall auto financing. says Melinda Zabritski, director of automotive credit at the credit reporting bureau Experian.

    A subprime car loan is for a buyer with a low credit score and a spotty credit history. As a percentage of total automotive financing, such loans represented almost 20 percent of all new-vehicle financing in 2010 from almost 17 percent in 2009, according to Experian. For Experian, a credit score of 670 or lower is considered subprime.

    Steven Bowman, chief credit and risk officer at GM Financial, the financing arm for General Motors, says there isn’t much a consumer can do to significantly raise a credit score while negotiating with a dealer’s financing manager.

    “It’s (done) over time and not a quick process,” he says.

    Still, there are steps you can take in the short term to increase your chances of snagging financing and perhaps lowering the cost of a subprime car loan, even as you confront a lousy credit history.

    Obtain your credit score

    A key factor in determining creditworthiness and establishing a rate, your credit score is a snapshot of your credit status. Good or bad, it is information you should have before you go car shopping because even for consumers with good credit, their credit score can influence their rate.

    You can obtain your credit score through any number of online sites. Some sources offer your score for free as a come-on for other consumer-finance services and others charge a small fee, usually $10 or less. The three national credit reporting bureaus — Experian, TransUnion and Equifax — provide credit scores and are a good place to begin your search.

    Aquire your credit report

    A credit score and credit report are two different pieces of evidence a creditor will scrutinize when considering a financing application. If your credit score is a snapshot of your creditworthiness, your credit report is its history.

    Credit bureaus report the information creditors provide, which isn’t always correct. A consumer has the right to dispute any piece of information appearing on a credit report and should challenge anything that is incorrect. This is particularly true for someone seeking a subprime car loan and who needs to reduce the negative information on his or her credit report.

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    Moreover, each credit bureau issues its own report and these may differ from one another. Rod Griffin, Experian’s director of public education, suggests obtaining your report in advance of applying for financing to give yourself time to dispute any inaccuracies.

    Once you know your credit situation, you can begin to look for ways to improve it. “You need to know exactly what your credit report says,” he says.

    Low-Interest Rate Auto Loans and Refinancing #where #to #buy #used #cars


    #auto refinance loans
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    Neighborhood Credit Union Auto Loans

    Fuel your dreams with the lowest rate for your new, used or refinanced vehicle!

    Take advantage of our 90 Days No Payments**  offer for a limited time, and make no payments on your Auto Loan until 2016 when you apply today! 

    With vehicle loan rates starting as low as 2.25% APR *, Neighborhood Credit Union is the number one choice in the Dallas-Fort Worth metroplex for all your auto loans.

    Take advantage of our competitive rates on new and used cars, trucks and other recreational vehicles, including boats, RVs and motorcycles for up to 120 months. Or refinance today to lower your monthly payments!

    Extend the life of your vehicle and get protection from the unexpected! Our extended Warranty includes:

    GAP Protection If your vehicle is declared a total loss by your insurance company due to accident, fire or theft, GAP pays up to 150% of the value of the vehicle.

    Mechanical Breakdown Protection Benefits include: Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard Trip Interruption Reimbursement

    Dent Guard Paintless Dent Repairs Automobile Deductible Reimbursement

    Low Interest Rate Car Loans #auto #salvage #parts


    #lowest auto loan rates
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    Buying a car is a great accomplishment of the American dream! But, high interest rates are making things difficult for the common man. It is for this reason that Rapidcarloans.net offers auto loans with guaranteed low rates. You can get instant approval even when you have bad credit or no credit history.

    Rapid Car Loans cares for you and your wallet and ensures affordable loans. We offer auto loans at competitive interest rates and flexible repayment terms.

    New or old – a car is very dear to its owner. Hence, we offer an extensive range of auto loans for used and new cars. Used cars have a low re-sale value and hence lenders consider it a risky proposition. But, Rapid Car Loans doesn’t judge anyone on a single factor. We consider several aspects for your approval. So, feel free to apply.

    You need not to worry about your credit score. A large network of lenders allows us to approve car loans with bad credit score as well. Rapid Car Loans provides loans to borrowers with a past bankruptcy. So, don’t hesitate in filling the application form.

    You can further lower your interest rate with the help of co-signer loans. Generally, a co-signer is someone who has a good credit standing. If he/she co-signs your loan agreement, your credibility increases. This reduces the risk factor and also your interest rate.

    Your information is secured using the SSL certificate. We ensure total confidentiality while handling your application. Once you fill the online application on the website, several competent lenders compete against each other. This helps us to offer you best car loan quotes .

    Not only do you have access to several lenders, you also get the opportunity to compare quotes. This will help you choose the best loan terms which will fit your criteria effectively.

    Students need a car to commute to college. But, availing car loans with a no credit history becomes extremely tough. This becomes a grave situation as lenders are unwilling to lend money. But, with our low interest car loans, students will not only avail loans, but will be able to build their credit score.

    If you think you are paying exorbitantly high interest rates or are simply tired of your rigid loans terms, Rapid Car Loans’ refinancing program helps you get rid of your loan by offering competitive rates.

    Rapid Car Loans is an effective online platform to help with your financial needs. One simple application form will open several new avenues for you.

    Avail a free car loan quote today!

    Auto Loan Rate Comparison Calculator #auto #parts #international


    #auto loan interest rates
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    Auto Loan Rate Comparison Calculator

    This calculator that will help you to compare monthly payments and interest costs of auto loans at up to five term and rate combinations simultaneously.

    Choosing the Ideal Auto Loan Term

    Buying a new vehicle is exciting, but paying for the vehicle can be another story. For those who don t have the cash to pay for the full cost of the vehicle upfront, getting an auto loan is necessary. Here are some tips for choosing the ideal auto loan term.

    The Basics

    An auto loan allows a consumer to borrow money to pay for a car. The money borrowed from a lender is called the loan principle. Because lenders need a financial incentive for the transaction, they charge interest.

    When the consumer takes out the loan, a specific interest rate will be charged in addition to the original loan amount. The principal plus interest is typically due in monthly installments through the entire life of the loan.

    Until the vehicle is completely paid off, the lender owns the vehicle, though the borrower is responsible for it. If the borrower misses loan payments, the lender will repossess the car. Once the loan is paid off, the vehicle s title is transferred to the borrower.

    New or Used

    Auto loan rates for new vehicles are generally better than rates for used cars. In most circumstances, the older the vehicle, the higher the rate. While dealerships sometimes offer zero percent financing for pre-owned stock, usually only new cars qualify for this low rate.

    Term Length

    Consumers would be wise to sign up for the shortest affordable term, as longer terms can cause consumers to owe more money over the term of the loan than the vehicle is worth. The average term for a loan on a new car is almost 64 months

    Know Your Credit

    Auto loans are largely effected by credit scores, so it s important for consumers to be aware of their credit score before applying for an auto loan. All U.S. citizens are eligible for a free credit report, which allows them to fix errors and correct bad habits.

    Consumers who tend to pay bills late will have a lower credit score, and will often be seen as a risk to lenders, who are assessing whether the loan will be repaid.

    Consumers with a less established credit history, particularly young people, may also be charged a higher loan rate as lenders may have difficulty judging how high a risk they are.

    Know Your Price Range

    Consumers who set a price range before shopping for a new vehicle are less likely to spend over their budget. Online calculators allow consumers to calculate monthly payments to ensure the loan will be affordable. Consumers should spend no more than 20 percent of take-home pay on all household vehicles combined. The 20 percent includes the down payment, principle and interest. Also take into account the costs of fuel, maintenance, repairs, as well as the taxes and fees to register the vehicle with the state.

    Depreciation

    The decline in a vehicle s value of the course of its life is called depreciation. According to Edmunds, a vehicle depreciates 11 percent the moment it is driven off the lot. The vehicle than depreciates an additional 15 to 25 percent a year. How quickly a vehicle depreciates is determined by mileage, certain extra features and vehicle make.

    Replacement

    According to AutoMD.com, more people are keeping their vehicles longer. 78 percent of those polled said they keep their vehicles for more than 10 years.

    • 8 to 10 years: 15 percent
    • 6 to 7 years: 4 percent
    • 3 to 5 years: 3 percent

    Whether it is the result of a down economy, the improvement of vehicles longevity or a culture that has turned toward social networking over face-to-face contact, owners are keeping their vehicles for longer. When choosing an auto loan term, consumers should consider how long they plan to own the vehicle, keeping in mind factors such as starting a new family or retiring.

    Look at the Total Cost of Interest

    A low down payment might seem like a great deal at first, but it could mean more money paid over the loan s term. If not careful, consumers could easily end up upside-down on the car, where more money is owed on the car than the car is worth. A loan amortization calculator will show how much will be spent on interest and what will be owed throughout the life of the loan.

    Insurance

    Having disability and life insurance could potentially save money on an auto loan. Some lenders like to know they will be repaid in the event something happens to the borrower.

    Don’t Settle

    Consumers do not have to go through the dealership to get a loan for their vehicle. Often dealerships do not offer the best rates. Credit unions, banks and online lenders also offer auto loans, and shopping around may turn up a better deal, or provide bargaining power when working with the dealership.

    It is best to arrive at the dealership with an approved loan application from another source, so they can know if they are being offered a good financing deal.

    Loan applications request income, expenses, debts and employment history. Consumers should be honest in filling out the applications, as all information will be verified and misleading or false information can get the applicant in trouble.

    Watch out for Prepayment Penalties

    Consumers should read the loan s fine print to be sure they won t be penalized for making extra payments or paying off the entire loan early. Even if it s doubtful the loan will be paid off early, circumstances can change down the road, and what may not be an option at the time of the loan may become possible later.

    Facing Rejection

    Rather than reapplying for a loan after an application has been rejected, consumers should determine the cause of the rejection to try to remedy the problem. Because lenders primarily look at credit scores for approving loans, consumers should take steps to improve their credit scores before reapplying for an auto loan.

    Mortgages & Home Loans – Refinance & Interest Rate Calculators, mortgage rate va loan.#Mortgage #rate #va #loan


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    CHECK MORTGAGE RATES

    MORTGAGE NEWS

    American homeowners are tapping their home equity again, with the cash-out share of refinances rising to its highest rate since 2008, according to data from Bla.

    Mortgage Calculator

    Find out your estimated monthly payment.

    Refinance Calculator

    Should you refinance your mortgage? Figure your monthly savings. Compare your principal balance in years with and without refinancing.

    Loan Calculator

    Is home ownership the right path for you? Analyze the total cost to rent versus the total cost to own for a specific period of time.

    Mortgage Payment Calculator

    Tool to help home buyers estimate the cost of monthly mortgage payments.

    SEARCH RATES

    Mortgage 101 Daily Rate Averages are collected for standard mortgage programs from over 700 companies in 50 states and the Disctrict of Columbia.

    More Rates

    MORTGAGE ARTICLES

    Applying for a Mortgage after a Bankruptcy

    By understanding the requirements to get a mortgage after a bankruptcy and by carefully rebuilding your credit standing, you can apply for a loan and buy a home.

    What Are Typical Mortgage Down Payments?

    Traditional mortgage down payments have always been 10 to 25 percent of the total purchase price of the property.

    3 Warning Signs of Loan Modification Scams

    Loan modification has become very popular in recent years with mortgage lenders. It has been used in a variety of different ways to change the existing terms of mortgages that they hold. While sometimes loan modification can be to your advantage, many times it is not. There are many loan modification scams out there that you should be aware of. Here are a few warning signs to watch out for with loan modification.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    Mortgage rate va loan

    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.

    Soma Oral: Uses, Side Effects, Interactions, Pictures, Warnings – Dosing #soma #oral, #effectiveness, #satisfaction, #ease #of #use, #medication, #medications, #medicine, #drug, #drugs, #prescription #drugs, #user #ratings, #drug #ratings, #drug #reviews, #rate #a #drug, #treatment, #side #effects, #drug #interactions, #drug #information, #medical #information, #medical #advice, #warnings, #overdose, #drug #images, #over #the #counter, #indications, #precautions, #webmd


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    Uses

    Carisoprodol is used short-term to treat muscle pain and discomfort. It is usually used along with rest, physical therapy, and other treatments. It works by helping to relax the muscles.

    How to use Soma

    Take this medication by mouth with or without food as directed by your doctor, usually 4 times a day.

    The dosage is based on your medical condition and response to treatment. This medication should only be used short-term (for 3 weeks or less) unless directed by your doctor. Do not increase your dose or use this drug more often or for longer than prescribed. Your condition will not improve any faster, and your risk of side effects will increase.

    This medication may cause withdrawal reactions, especially if it has been used regularly for a long time or in high doses. In such cases, withdrawal symptoms (such as stomach cramps. trouble sleeping. headache. nausea ) may occur if you suddenly stop using this medication. To prevent withdrawal reactions, your doctor may reduce your dose gradually. Consult your doctor or pharmacist for more details, and report any withdrawal reactions right away.

    Along with its benefits, this medication may rarely cause abnormal drug-seeking behavior (addiction ). This risk may be increased if you have abused alcohol or drugs in the past. Take this medication exactly as prescribed to lessen the risk of addiction.

    Tell your doctor if your condition persists after 2 to 3 weeks or if it worsens.

    Side Effects

    Dizziness. drowsiness, or headache may occur. If any of these effects persist or worsen, tell your doctor or pharmacist promptly.

    Remember that your doctor has prescribed this medication because he or she has judged that the benefit to you is greater than the risk of side effects. Many people using this medication do not have serious side effects.

    Tell your doctor right away if you have any serious side effects, including: confusion.

    A very serious allergic reaction to this drug is rare. However, get medical help right away if you notice any symptoms of a serious allergic reaction. including: rash. itching /swelling (especially of the face/tongue /throat), severe dizziness, trouble breathing .

    This is not a complete list of possible side effects. If you notice other effects not listed above, contact your doctor or pharmacist.

    Call your doctor for medical advice about side effects. You may report side effects to FDA at 1-800-FDA-1088 or at www.fda.gov/medwatch.

    In Canada – Call your doctor for medical advice about side effects. You may report side effects to Health Canada at 1-866-234-2345.

    Precautions

    Before taking carisoprodol. tell your doctor or pharmacist if you are allergic to it; or to meprobamate. tybamate, or mebutamate; or if you have any other allergies. This product may contain inactive ingredients, which can cause allergic reactions or other problems. Talk to your pharmacist for more details.

    Before using this medication. tell your doctor or pharmacist your medical history, especially of: a certain blood disorder (acute intermittent porphyria ), kidney disease. liver disease, seizure. personal or family history of regular use/abuse of drugs/alcohol.

    This drug may make you dizzy or drowsy. Do not drive, use machinery, or do any activity that requires alertness until you are sure you can perform such activities safely. Avoid alcoholic beverages.

    Before having surgery, tell your doctor or dentist about all the products you use (including prescription drugs. nonprescription drugs, and herbal products).

    Older adults may be more sensitive to the side effects of this drug, especially drowsiness, or confusion. These side effects can increase the risk of falling.

    This medication is not recommended for use during the first 3 months of pregnancy. It may harm an unborn baby. During the last 6 months of pregnancy. this medication should be used only when clearly needed. Discuss the risks and benefits with your doctor.

    This medication passes into breast milk and may have undesirable effects on a nursing infant. Consult your doctor before breast -feeding.

    Interactions

    Drug interactions may change how your medications work or increase your risk for serious side effects. This document does not contain all possible drug interactions. Keep a list of all the products you use (including prescription/nonprescription drugs and herbal products) and share it with your doctor and pharmacist. Do not start, stop, or change the dosage of any medicines without your doctor’s approval.

    Check the labels on all your medicines (such as allergy or cough -and-cold products) because they may contain ingredients that cause drowsiness. Ask your pharmacist about using those products safely.

    Overdose

    If someone has overdosed and has serious symptoms such as passing out or trouble breathing. call 911. Otherwise, call a poison control center right away. US residents can call their local poison control center at 1-800-222-1222. Canada residents can call a provincial poison control center. Symptoms of overdose may include: severe drowsiness/dizziness. seizures. slow/shallow breathing, mental/mood changes (such as confusion, hallucinations ), inability to move your legs/arms, shaky/unsteady movement, vision changes (such as blurred vision ).

    Notes

    Do not share this medication with others. It is against the law.

    This medication has been prescribed for your current condition only. Do not use it later for another condition unless your doctor directs you to do so. A different medication may be necessary in that case.

    Missed Dose

    If you miss a dose, take it as soon as you remember. If it is near the time of the next dose, skip themissed dose and resume your usual dosing schedule. Do not double the dose to catch up.

    Storage

    Store at room temperature away from light and moisture. Do not store in the bathroom. Keep all medications away from children and pets.

    Do not flush medications down the toilet or pour them into a drain unless instructed to do so. Properly discard this product when it is expired or no longer needed. Consult your pharmacist or local waste disposal company.Information last revised November 2016. Copyright(c) 2016 First Databank, Inc.

    Images

    Firestone Complete Auto Care Employer Wages, Hourly Wage Rate #car #classifieds


    #firestone auto
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    Average Hourly Rate for Firestone Complete Auto Care Employees

    Years of Experience

    Average pay is $14.44 per hour for those with five to nine years of experience. Overall, the greater share of Firestone Complete Auto Care folks have one to four years of experience and earn an average approximately $12.09 per hour.

    Locations

    When it comes to location, the highest average paycheck ($18.00 per hour) can be spotted in Phoenix, Ariz.; Miami, Fla. ($14.48), Orlando, Fla. (about $14.03), and Atlanta, Ga. (around $13.00) are the next top-paying cities. Sacramento, Calif. is near the bottom for pay at about $10.50. By state, the highest pay levels are found in North Carolina, where the average Firestone Complete Auto Care employee makes approximately $14.25 per hour.

    Jobs

    Trainee Managers represent the higher end of the earnings spectrum — in fact, median pay for this job is the highest at $15.75 per hour — though Automotive Service Managers, Automotive Technicians, and Automobile Mechanics also do fairly well at around $15.02, $14.21, and $12.50, respectively. Near the bottom at Firestone Complete Auto Care are Retail Sales Associates, pulling in an average of just $10.00.

    Certifications and Degrees

    ASE Master Technicians have significantly higher pay than non-accredited workers at about $18.93 per hour. Firestone Complete Auto Care compensates Associate’s Degree-holders the most at $16.13 per hour.

    Skills

    When it comes to skills, Troubleshooting seems to bolster pay the most; employees who claim proficiency also enjoy a median income of around $14.89 per hour. One of the more prevalent skills at Firestone Complete Auto Care is Automotive Engine Repair, with the larger part considering it a key competency. Key skills also include Maintenance, Electronic Troubleshooting, and System Repair.

    Gender

    Firestone Complete Auto Care’s employees who answered the questionnaire are largely male (the male-to-female ratio is more than 3 to 1).

    Benefits and Perks

    Paid time off is hard to come by at Firestone Complete Auto Care; the company rewards only one in four employees with paid vacation time and only one in seven workers with sick leave. A strong majority of survey participants allocate some part of their earnings to the company-sponsored 401(k) savings plan. Health insurance comes as part of the deal for a strong majority of respondents, and a majority of survey participants report receiving dental coverage as well. A few more workplace perks are tuition reimbursement, 401(a), and life insurance.

    Roth IRA #roth #ira #rate


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    Roth IRA

    BREAKING DOWN ‘Roth IRA’

    Similar to other individual retirement plan accounts, the money invested within the Roth IRA grows tax free. Other defining characteristics of a Roth:

    • Contributions can continue to be made once the taxpayer is past the age of 70½, as long as he or she has earned income .
    • The taxpayer can maintain the Roth IRA indefinitely; there is no required minimum distribution (RMD) .
    • Eligibility for a Roth account depends on income.

    Establishing a Roth IRA

    A Roth IRA must be established with an institution that has received IRS approval to offer IRAs. These include banks, brokerage companies, federally insured credit unions and savings loan associations.

    A Roth IRA can be established at any time. However, contributions for a tax year must be made by the IRA owner’s tax-filing deadline, which is generally April 15 of the following year. Tax-filing extensions do not apply.

    There are two basic documents that must be provided to the IRA owner when an IRA is established:

    These provide an explanation of the rules and regulations under which the Roth IRA must operate, and establish an agreement between the IRA owner and the IRA custodians/trustee.

    IRAs fall under a different insurance category than conventional deposit accounts. Therefore, coverage for IRA accounts is less. The Federal Deposit Insurance Corporation (FDIC) still offers insurance protection up to $250,000 for traditional or Roth IRA accounts, but account balances are combined rather than viewed individually. For example, if the same banking customer has a certificate of deposit held within a traditional IRA with a value of $200,000 and a Roth IRA held in a savings account with a value of $100,000 at the same institution, the account holder has $50,000 of vulnerable assets without FDIC coverage.

    Not all financial institutions are created equal. Some IRA providers have an expansive list of investment options, while others are more restrictive. Almost every institution has a different fee structure for your Roth IRA, which can have a significant impact on your investment returns.

    Your risk tolerance and investment preferences are going to play a role in choosing a Roth IRA provider. If you plan on being an active investor and making lots of trades, you want to find a provider that has lower trading costs. Certain providers even charge you an account inactivity fee if you leave your investments alone for too long. Some providers have more diverse stock or exchange-traded fund offerings than others; it all depends on the type of investments you want in your account.

    Pay attention to the specific account requirements as well. Some providers have higher minimum account balances than others. If you plan on banking with the same institution, see if your Roth IRA account comes with additional banking products.

    Compensation Defined

    For individuals working for an employer, compensation that is eligible to fund a Roth IRA includes wages, salaries, commissions, bonuses and other amounts paid to the individual for services the individual performs for an employer. At a high level, eligible compensation is any amount shown in Box 1 of the individual’s Form W-2 .

    For a self-employed individual or a partner in a partnership, compensation is the individual’s net earnings from his or her business, less any deduction allowed for contributions made to retirement plans on the individual’s behalf, and further reduced by 50% of the individual’s self-employment taxes.

    Other compensation eligible for the purposes of making a regular contribution to a Roth IRA includes taxable amounts received by the individual as a result of a divorce decree.

    The following sources of income are not eligible compensation for the purposes of making contributions to a Roth IRA:

    • rental income or other profits from property maintenance
    • interest and dividends
    • other amounts generally excluded from taxable income

    Contributing to a Roth IRA

    In 2016, an individual may make an annual contribution of up to $5,500 to a Roth IRA.

    Individuals who are age 50 and older by the end of the year for which the contribution applies can make additional catch-up contributions (up to $1,000 in 2016). For instance, an individual who is under age 50 may contribute up to $5,500 for tax year 2016, but an individual who reached age 50 by year-end 2016 may contribute up to $6,500.

    All regular Roth IRA contributions must be made in cash (which includes checks); regular Roth IRA contributions cannot be made in the form of securities. However, a variety of investment options exist within a Roth IRA, once the funds are contributed, including mutual funds. stocks, bonds, ETFs. CDs and money market funds .

    A Roth IRA can be funded from several sources:

    The Spousal Roth IRA

    An individual may establish and fund a Roth IRA on behalf of his/her spouse who makes little or no income. Spousal Roth IRA contributions are subject to the same rules and limits as that of regular Roth IRA contributions. The spousal Roth IRA must be held separately from the Roth IRA of the individual making the contribution, as Roth IRAs cannot be held as joint accounts.

    In order for an individual to be eligible to make a spousal Roth IRA contribution, the following requirements must be met:

    • The couple must be married and file a joint tax return
    • The individual making the spousal Roth IRA contribution must have eligible compensation
    • The total contribution for both spouses must not exceed the taxable compensation reported on their joint tax return
    • Contributions to one Roth IRA cannot exceed the contribution limits

    Eligibility Requirements

    Anyone who has taxable income can contribute to a Roth IRA – as long as he or she meets certain requirements concerning filing status and modified adjusted gross income (MAGI). Those whose annual income is above a certain amount, which the IRS adjusts periodically, become ineligible to contribute.

    For 2016, the income maximums are:

    • $194,000 for individuals who are married and file a joint tax return
    • $10,000 for individuals who are married, lived with their spouses at anytime during the year and file a separate tax return
    • $132,000 for individuals who file as single, head of household, or married filing separately and did not live with their spouses at any time during the year

    The IRS sets income limits that reduce or “phase out” the amount of money one is allowed to contribute. Here is a chart outlining the ranges for each tax-filing category in 2016:

    Income Range for 2016

    Married and filing a joint tax return

    Make Sure High-Yield Checking Matches Your Needs #high #interest #rate #checking


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    Make sure high-yield checking matches your needs

    Bankrate s latest high-yield checking survey finds that account holders can expect to make a few hundred dollars worth of interest on many accounts, provided they have the cash necessary and meet a few basic conditions.

    What is a high-yield checking account ?

    A rewards checking account that offers an unusually high interest rate on your checking deposits as long as you meet certain conditions every month. Any month you don t meet those conditions, you ll earn a much lower interest rate.

    The promise of higher interest with little hassle and no additional risk is exactly what attracted Lou Panacciulli, a teacher who lives in Nassau County, New York, to high-yield checking. Panacciulli was recently offered a high-yield checking account at his credit union.

    An easy decision

    After taking a close look at the terms, he signed up for a Go Green Checking account at the Nassau Educators Federal Credit Union which, in most months, pays him an interest rate of 3%.

    It just looked like one of those deals you can t pass up, he says. It just seemed like an easy decision.

    So far, he has no complaints. He already had a mortgage through NEFCU, so meeting the conditions to earn the highest rewards rate, which include keeping a minimum balance and making $250 a month in debit card purchases, hasn t been a problem, Panacciulli says.

    My financial adviser always told me, make sure you have a few months salary in the bank just for emergencies, Panacciulli says. I enjoy great interest, I have financial security because I know I have cash on hand. What could be better?

    In the few months when his balance has dipped below the threshold needed to earn the top rate, he has still earned a good rate of return compared with other accounts, he says. And while the account does require Panacciulli to get e-statements, he says he prefers to do his banking online anyway because he finds it more convenient.

    Substantial earnings from a checking account?

    Consistent with Panacciulli s experience, our survey finds that the right kind of account holder can earn interest that far exceeds the few fractions of a point most savings accounts are offering these days. For example, if you keep $10,000 in a Consumers Credit Union Free Rewards Checking account in good ol Waukegan, Illinois, and earn the rewards rate, you ll rack up $309 a year in interest.

    The average yield on high-yield checking accounts in our survey was 1.65%, down a tick from 1.66% we found last year.

    That may not seem like much, but at a time when you d be hard-pressed to make enough off a $10,000 savings account balance at a major bank to buy a burrito at Chipotle (sorry, no guac) during the year, it s not bad. And if you were going to keep that money in a conventional, non-interest-bearing checking account anyway, it s essentially free money.

    A caveat about balances

    Most banks cap the account balance you can earn that high rate on, with caps ranging from as little as $500 to $25,000, the most common limit. (Overall, the average balance cap was $16,336, down from $16,639 last year.)

    That means if you re shopping for high-yield checking, you have to make sure your account balance won t exceed the cap, says Greg McBride, CFA, chief financial analyst for Bankrate.

    You re not compensated for staying above that balance cap, McBride says, which can significantly affect what you ultimately take home. For example, he says, among the accounts we surveyed, if you re looking to deposit $25,000, the best account is actually only the 12th-highest APY.

    Frequent debit-card use pays off

    To earn that high interest rate, the most typical requirement is frequent debit-card usage.

    Of the accounts we surveyed, 93% required you to make a certain number of debit card transactions to get the maximum annual percentage yield, or APY, and about 14% required those transactions to be the sign and swipe type, rather than the PIN type.

    The most common number of transactions required to meet that monthly requirement is 10, but it ranged as high as 15.

    If you re a credit card rewards junkie, that may not work for you, says McBride. But many Americans, especially millennials, aren t exactly crazy about credit cards (In a 2015 Bankrate poll. 64% of those age 18 to 29 said they didn t have a major credit card).

    For them, making 10 debit transactions in a month probably isn t a big deal, especially as average monthly debit transactions have grown.

    You re seeing average (monthly) debit card transactions probably close to 20, says David Giesen, a managing director with Navigant Transaction Advisory Services. a bank consulting firm. That makes monthly targets at most banks fairly easy to hit, Giesen says.

    For the bank, those debit transactions serve multiple purposes, Giesen says: keeping customers engaged, generating interchange fees charged to merchants, which help finance the high interest rate, and discouraging account holders from writing paper checks.

    You don t have paper issues the way you would with checks, Giesen says. With debit, he says, you re not scanning and moving paper; you re just watching the signal go back and forth.

    Mostly electronic access

    In order to pay you that nice, fat interest rate, banks have to keep their expenses low on these accounts. The debit card requirement helps accomplish that through a number of cost-saving requirements, including receiving electronic statements. A whopping 98% of the high-yield checking accounts we surveyed require you to get your statements electronically to earn the rewards interest rate.

    It s a behavior-changing approach to pricing, says Jay Coakley, a banking consultant and president of Coakley Strategic Solutions. The bank is saying, We ll pay you a higher interest rate if you ll conduct business in a way that will save us money.

    You ll also likely need to sign up for either an automatic bill pay or a direct deposit to earn the rewards rate. Among those accounts we surveyed, 80% require you to pick one or the other.

    One sticking point may be ATMs, says McBride. Unless the bank is part of a larger ATM network, or provides a monthly allowance for ATM charges, you may end up seeing ATM fees eat away at your balance, McBride says.

    Lower default rate awaits some

    If you fail to meet the conditions to earn that high rewards rate, you ll earn a paltry default APY that ranges from 0% to .25%, with the most common being .05% (although more than you d likely have earned in a conventional checking account).

    Banks that offer high-yield checking accounts know that a certain percentage of account holders won t meet conditions each month to control costs says Coakley.

    While you may see a high-yield checking rate that looks unaffordably high from the bank s perspective, the effective rate was about half that, because about 50% of the people don t qualify, Coakley says.

    Basically, non-qualifying account holders end up helping to subsidize the larger interest earnings of qualifying account holders; the trick is making sure you fit into the 2nd category, rather than the 1st.

    Still, even the default rate on these accounts may be better than what you re getting on your savings. According to Bankrate s weekly survey, the average APY for a money-market account in the U.S. is 0.11%, lower than the default rates of 6 of the high-yield checking accounts we surveyed.

    Not available at your friendly neighborhood megabank

    Of the accounts we surveyed, less than half were offered nationwide, with many requiring account holders to reside in a certain area to be eligible.

    That s in part because many of these accounts are being offered by smaller banks and credit unions trying to grow their deposit base in their core area of operation, says Giesen.

    If I m a bank in Duluth, Minnesota, for example, do I really want core customers in Albuquerque, New Mexico? Probably not, he says. It s a function, in some ways, of where a bank is trying to market, where a bank is trying to cross-sell, where it s trying to grow its deposit base.

    If you can find an account that fits your location and profile, though, you may find it getting more appealing as time goes on. It s likely that high-yield checking accounts will be among the first to increase interest payouts as the Federal Reserve raises rates, McBride says.

    What limited rate hikes we see on deposit products over the next year are going to be on some of these accounts and the top-yielding online savings accounts, McBride says.

    RATE SEARCH: Search today for an

    Claes Bell, CFA

    Claes Bell, CFA, is the data and automation editor for Bankrate.com. In 2014, he earned the right to use a Chartered Financial Analyst designation from the CFA Institute.

    What is oscilloscope? Definition from #saving #rate #definition


    #

    oscilloscope

    An oscilloscope is a laboratory instrument commonly used to display and analyze the waveform of electronic signals. In effect, the device draws a graph of the instantaneous signal voltage as a function of time.

    A typical oscilloscope can display alternating current (AC ) or pulsating direct current (DC) waveforms having a frequency as low as approximately 1 hertz (Hz ) or as high as several megahertz (MHz ). High-end oscilloscopes can display signals having frequencies up to several hundred gigahertz (GHz ). The display is broken up into so-called horizontal divisions (hor div) and vertical divisions (vert div). Time is displayed from left to right on the horizontal scale. Instantaneous voltage appears on the vertical scale, with positive values going upward and negative values going downward.

    The oldest form of oscilloscope, still used in some labs today, is known as the cathode-ray oscilloscope. It produces an image by causing a focused electron beam to travel, or sweep, in patterns across the face of a cathode ray tube (CRT ). More modern oscilloscopes electronically replicate the action of the CRT using a liquid crystal display (liquid crystal display ) similar to those found on notebook computers. The most sophisticated oscilloscopes employ computers to process and display waveforms. These computers can use any type of display, including CRT, LCD, and gas plasma.

    In any oscilloscope, the horizontal sweep is measured in seconds per division (s/div), milliseconds per division (ms/div), microseconds per division (s/div), or nanoseconds per division (ns/div). The vertical deflection is measured in volts per division (V/div), millivolts per division (mV/div), or microvolts per division (?V/div). Virtually all oscilloscopes have adjustable horizontal sweep and vertical deflection settings.

    The illustration shows two common waveforms as they might appear when displayed on an oscilloscope screen. The signal on the top is a sine wave ; the signal on the bottom is a ramp wave. It is apparent from this display that both signals have the same, or nearly the same, frequency. They also have approximately the same peak-to-peak amplitude. Suppose the horizontal sweep rate in this instance is 1 s/div. Then these waves both complete a full cycle every 2 s, so their frequencies are both approximately 0.5 MHz or 500 kilohertz (kHz ). If the vertical deflection is set for, say, 0.5 mV/div, then these waves both have peak-to-peak amplitudes of approximately 2 mV.

    These days, typical high-end oscilloscopes are digital devices. They connect to personal computers and use their displays. Although these machines no longer employ scanning electron beams to generate images of waveforms in the manner of the old cathode-ray scope, the basic principle is the same. Software controls the sweep rate, vertical deflection, and a host of other features which can include:

    • Storage of waveforms for future reference and comparison
    • Display of several waveforms simultaneously
    • Spectral analysis
    • Portability
    • Battery power option
    • Usability with all popular operating platforms
    • Zoom-in and zoom-out
    • Multi-color displays

    This was last updated in September 2005

    Continue Reading About oscilloscope

    Related Terms

    fiber optics (optical fiber) Fiber optics, or optical fiber, refers to the medium and the technology associated with the transmission of information as light. See complete definition infrared radiation (IR) Infrared radiation (IR), sometimes referred to simply as infrared, is a region of the electromagnetic radiation spectrum where. See complete definition microcontroller A microcontroller is a compact integrated circuit designed to govern a specific operation in an embedded system. See complete definition

    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.

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    For 13+ years, The HOUSE Team has helped clients find the best home loan at the best possible interest rate. Our hands on approach helps each of our clients understand the mortgage process while feeling like we are right by their side each step of the way. Now more than ever it is important to have an experienced Arizona mortgage team helping you through the home loan process. The HOUSE Team is here to do just that.

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    Arizona Mortgage Market Update

    Definition – Anleihe #anleihe,auslandsanleihe,bundesanleihe,bundesobligation,deutsche #finanzagentur,disagio,doppelwährungsanleihe,eurobond,floating #rate #note #(frn),junk #bond,kommunalobligation,kreditanstalt #für #wiederaufbau #(kfw),marktzins,pfandbrief,sammelurkunde,schatzanweisungen,tilgungsanleihe,zerobond,schuldverschreibung, #obligation, #bond, #anleihen


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    Gabler Wirtschaftslexikon

    ANZEIGE

    Viele Handelsunternehmen agieren heutzutage beschaffungsseitig international, indem sie Güter direkt oder indirekt importieren; abgestufter international ist der Wissenstransfer im Handel, so bei Führungskräften oder Informationssystemen. Absatzseitig allerdings wird die internationale Expansion aggressiv vor allem von führenden Handelsunternehmen in diversen Handelsbranchen. mehr

    von Prof. Dr. Prof. h. c. Bernhard Swoboda, Prof. Dr. Thomas Foscht

    Electronic Business nutzt digitale Informationstechnologien zur Unterstützung von Geschäftsprozessen mit dem Ziel der Generierung eines elektronischen Mehrwerts. Information, Kommunikation und Transaktion als die zentralen Bausteine des Electronic Business werden dabei über digitale Netzwerke transferiert bzw. abgewickelt. In der Konsequenz sind. mehr

    von Prof. Dr. Tobias Kollmann

    Anleihe

    ANZEIGE

    Anleihen sind Forderungspapiere, durch die ein Kredit am Kapitalmarkt aufgenommen wird. Im Unterschied zu Privatkrediten werden Anleihen öffentlich und nur von juristischen Personen begeben. Sie unterscheiden sich durch abweichende Konditionen wie verschieden lange Laufzeiten, Emissionswährungen und Verzinsungen. Letztere kann entweder fest, variabel oder strukturiert (abhängig von bestimmten Ereignissen) sein. Ihr Kurs wird in Prozent des Nominalwertes angegeben.

    Schuldverschreibung, Obligation, Bond. 1. Begriff: Als Anleihen werden Effekten (Wertpapiere) bezeichnet, die Gläubigerrechte, insbesondere das Recht auf Verzinsung und das Recht auf Tilgung, verbriefen. Die Begebung erfolgt i.d.R. zur langfristigen Fremdkapitalaufnahme in größerem Umfang am in- und ausländischen Kapitalmarkt.

    2. Ausstattung: a) Verzinsung: Anleihen sind i.d.R. festverzinslich, daneben gibt es auch Anleiheformen mit Zinsanpassungen, d.h. mit variabler Verzinsung (Floating Rate Note). Zinszahlungen erfolgen i.d.R. jährlich. Durch Konvertierung können über dem Marktzins verzinste Anleihen in niedriger verzinsliche umgewandelt werden. Wesentlich für den Platzierungserfolg einer Anleihe ist nicht die Nominal-, sondern die Effektivverzinsung.
    b) Laufzeit und Tilgung: Die Laufzeit beträgt fünf bis dreißig Jahre, in Hochzinsperioden auch darunter. Die Schuldner behalten sich i.d.R. das Recht auf Kündigung vor (meist nach Ablauf einer Sperrfrist). Bei Tilgungsanleihen erfolgt entweder die Gesamtrückzahlung am Ende der Laufzeit oder eine Rückzahlung in Teilabschnitten für einzelne Anleiheserien nach festem Plan oder durch Auslosung. Die Tilgung kann auch durch freihändigen Rückkauf durch den Emittenten erfolgen. Die strukturierte Anleihe hat in den letzten Jahren immer mehr an Bedeutung gewonnen. Strukturierte Anleihen sind verzinsliche Wertpapiere, die sich durch individuelle Gestaltungsmerkmale auszeichnen, welche die Rückzahlung oder auch die Zinszahlung der Anleihen beeinflussen.
    c) Emissions- und Rückzahlungskurs: Anleihen können zu pari (= 100%), aber auch mit einem Abschlag (Disagio ) oder einem Aufschlag (Agio) emittiert werden. Die Rückzahlung erfolgt i.d.R. zum Nennwert, selten über pari.
    d) Stückelung: Die kleinste Stückelung liegt bei 0,01 Euro. Effektive Stücke sind üblicherweise mit Zinsscheinen und Erneuerungsschein ausgestattet. Heute werden fast nur noch Sammelurkunden ausgestellt und effektive Stücke nicht mehr ausgeliefert.

    3. Emission: Die Emissionen erfolgen üblicherweise in einem der drei gängigen Verfahren: das Festpreisverfahren (Vorgabe eines festen Preises für das Wertpapier), das Bookbuilding-Verfahren (Angabe von Preisspannen in einer vorgegebenen Frist, zu denen Investoren zu kaufen bereit sind) und das Auktionsverfahren (Preis wird durch Gebote der Investoren bestimmt). Die Emission bei Bundesanleihen erfolgt i.d.R. über die Deutsche Bundesbank (Bietergruppe Bundesemission) im Auftrag der Bundesrepublik Deutschland – Finanzagentur GmbH (s. Deutsche Finanzagentur ).

    4. Arten: a) Anleihen der öffentlichen Hand: Bund, Länder, Kommunen sowie Sondervermögen des Bundes geben zur Haushaltsfinanzierung Anleihen aus. Staatsanleihen sind fast immer festverzinsliche Inhaberschuldverschreibungen. Typische Arten sind Bundesobligationen. Bundesanleihen. Bundesschatzanweisungen (Schatzanweisungen ) sowie inflationsindexierte Bundeswertpapiere in Form von Anleihen oder Obligationen.
    b) Schuldverschreibungen der Kreditinstitute: Dazu gehören Pfandbriefe und öffentliche Pfandbriefe (Kommunalobligationen ), die bes. besichert sind; Schuldverschreibungen von Kreditinstituten mit Sonderaufgaben (z.B. Kreditanstalt für Wiederaufbau (KfW) ) sowie sonstige Bankschuldverschreibungen.
    c) Anleihen der gewerblichen Wirtschaft: Unternehmensanleihen (Industrieobligationen), Gewinnschuldverschreibungen, Wandelschuldverschreibungen, Optionsanleihen, Schuldscheindarlehen.
    d) Internationale Anleihen: Der internationale Kapitalmarkt ist durch eine Vielzahl von innovativen Anleihetypen gekennzeichnet: Zerobond (Null-Coupon-Anleihe), Floating Rate Note (FRN). Eurobond. Doppelwährungsanleihe. Auslandsanleihe. Junk Bond .

    ANZEIGE

    Die Versicherungswirtschaft ist zum einen ein Wirtschaftszweig von großer volkswirtschaftlicher Bedeutung und zum anderen eine spezielle Betriebwirtschaftslehre – auch Versicherungsbetriebslehre genannt. Als Wirtschaftszweig mit Dienstleistungscharakter ist die Versicherungswirtschaft mit Aufgaben der Schadensverhütung und -regulierung und der Sammlung von Kapital betraut.. mehr

    Durch eine internationale Rechnungslegung und damit internationale Harmonisierung der Rechnungslegung soll eine Vergleichbarkeit bzw. Interpretierbarkeit der Jahresabschlüsse international agierender Unternehmen, die ansonsten nach länderspezifischen, unterschiedlichen Rechtsnormen erstellt sind, erreicht werden. Diese Harmonisierung ist seit 2001 Aufgabe des IASB, des privatrechtlichen. mehr

    Die Wirtschaftsinformatik als Wissenschaft von der Konzeption, Entwicklung und Anwendung computergestützter Informations- und Kommunikationssysteme (IKS) nimmt eine interdisziplinäre Schnittstellenfunktion zwischen der Betriebswirtschaftslehre und der Informatik ein. Jedoch bietet die Wirtschaftsinformatik auch zusätzliche Funktionen/Ergebnisse wie etwa Methoden und Modelle, anhand derer. mehr

    I. Definition, Abgrenzung und Ziele Ein Mindestlohn ist ein via gesetzlicher oder tarifvertraglicher Regelung in der Höhe festgelegtes kleinstes rechtlich zulässiges Arbeitsentgelt. Eine Mindestlohnregelung kann sich auf den Stundensatz oder den Monatslohn bei Vollzeitbeschäftigung beziehen. Neben national wirkenden Mindestlöhnen gibt es. mehr

    Schwerpunktbeitrag von Privatdozent Dr. Fred Henneberger, Prof. Dr. Berndt Keller

    I. Begriff Umfassendes methodisch-quantitatives Instrumentarium zur Charakterisierung und Auswertung empirischer Befunde bei gleichartigen Einheiten („Massenphänomenen”) mit universellen Einsatzmöglichkeiten in Politik, Wirtschaft und Gesellschaft und allen Geistes-, Sozial- und Naturwissenschaften einschließlich Medizin und Technik, in denen mit Zahlen oder Bewertungen gearbeitet wird.. mehr

    Schwerpunktbeitrag von Prof. Dr. Udo Kamps

    I. Begriff Unter experimenteller Wirtschaftsforschung versteht man den Bereich der empirischen Wirtschaftswissenschaft, in dem kontrollierte Experimente durchgeführt werden, um Theorien zu überprüfen oder neue Regelmäßigkeiten zu entdecken. Die Experimente werden zumeist als Laborexperimente, mitunter jedoch auch als Feldexperimente oder in Form. mehr

    Schwerpunktbeitrag von Prof. Dr. Mathias Erlei

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    #

    Refinancing Your Property

    There are many reasons you may want to consider refinancing your most important asset. With today’s low interest rates, it may be worthwhile to refinance your existing mortgage to either reduce your monthly payments, or to tap into your home equity to help with your short or long terms goals, including:

    • Renovating your home to improve your property value
    • Consolidating high interest loans and credit cards into one lower monthly payment
    • Investing in your RRSP and using your tax refund to pay down your mortgage
    • Paying for your child’s education
    • Purchasing another property

    If your mortgage is closed and you refinance before your renewal date, you may face a penalty. However, it may still be worthwhile to refinance. The key is to determine whether the potential interest-rate savings outweigh the penalty.

    You can also add a second mortgage on your property if refinancing your mortgage is not worthwhile. Our Home Trust Equityline Visa Card is a unique alternative to other second mortgage products, with all the flexibility of a line of credit and all the benefits
    of Visa. Find out more .

    To help you decide if refinancing is an option for you, contact a Home Trust Mortgage Specialist today at 1-877-903-2133 x5820. We’re available Monday through Friday from 9 am to 5 pm EST.

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


    #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.

    Low-Interest Rate Auto Loans and Refinancing #used #auto #sales


    #auto refinance loans
    #

    Neighborhood Credit Union Auto Loans

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    Take advantage of our 90 Days No Payments**  offer for a limited time, and make no payments on your Auto Loan until 2016 when you apply today! 

    With vehicle loan rates starting as low as 2.25% APR *, Neighborhood Credit Union is the number one choice in the Dallas-Fort Worth metroplex for all your auto loans.

    Take advantage of our competitive rates on new and used cars, trucks and other recreational vehicles, including boats, RVs and motorcycles for up to 120 months. Or refinance today to lower your monthly payments!

    Extend the life of your vehicle and get protection from the unexpected! Our extended Warranty includes:

    GAP Protection If your vehicle is declared a total loss by your insurance company due to accident, fire or theft, GAP pays up to 150% of the value of the vehicle.

    Mechanical Breakdown Protection Benefits include: Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard Trip Interruption Reimbursement

    Dent Guard Paintless Dent Repairs Automobile Deductible Reimbursement

    Filipino Las Vegas Community Website, Mabuhay Kabayan! Pinoy Business Search Shopping, Markets, Restaurants, Legal, Real Estate, More! #best #rate #auto #insurance #las #vegas


    #

    UNLV Jump Start College Tour!
    Join the Asian Pacific Islander American Scholarship Fund (APIASF) and UNLV at the APIASF Jump Start College Tour!
    It’s a FREE workshop for
    High School Students and Parents.



    The Event
    University of Nevada, Las Vegas
    Saturday, February 20, 2016
    Registration opens at 8:15 a.m.

    UNLV
    4505 S Maryland Pkwy, Las Vegas, NV 89154
    Campus Map

    Event Agenda
    8:15 a.m. Registration
    8:45 a.m. Opening Remarks and Sessions
    2:00 p.m. UNLV Campus Tour

    At the event, high school students and parents
    will have the opportunity to:
    Identify available resources to prepare and pay for college
    Hear directly from a panel of current college students admins
    Join a tour of the UNLV campus

    Join the conversation online at #AAPIJumpStart. For additional information about the event, please email PoLin So or visit our website


    Congratulations
    Miss Philippines
    Pia Alonzo Wurtzbach
    Now the new
    Miss Universe 2015!

    AGE: 26 HOMETOWN: Cagayan De Oro
    HEIGHT: 5 8
    LANGUAGE: Filipino, English, German

    In a strange twist Host Steve Harvey wrongly announces Miss Colombia as Miss Universe and then realizes his error and corrects his mistake by announcing Miss Philippines as the New Miss Universe!
    Congratulations Again to the new
    Miss Universe!

    MARTIN NIEVERA
    Saturday, December 12 (2015)
    M Resort Spa Casino Las Vegas
    Doors open at 6pm. Show starts 7pm

    Ticket Price: $32 / $38 / VIP $46
    plus LET and FAC fees Venue: M Pavilion (Indoor Event).

    The M Resort Spa Casino | Las Vegas
    12300 LAS VEGAS BLVD S
    HENDERSON, NEVADA
    Main Phone Number: 702.797.1000

    ONE NIGHT ONLY!
    LANI MISALUCHA
    Saturday, October 10, 2015
    M Resort Spa Casino
    Las Vegas

    The M Resort Spa Casino | Las Vegas
    12300 LAS VEGAS BLVD S
    HENDERSON, NEVADA
    702.797.1000

    HAPPY INDEPENDENCE DAY PHILIPPINES!
    June 12. What does Independence Day mean to Ana The Hurricane Julaton ?

    More congratulations are in order, this time to Lani Misalucha. who has received the prestigious Our Pick (R-J Staff Pick) as Las Vegas Best Of in the Category of SINGER – as published in the annual 2008 LAS VEGAS REVIEW-JOURNAL 27TH ANNUAL BEST OF LAS VEGAS yearly picks.

    Mabuhay Kabayan! During our completion of FilipinoLasVegas.com. please feel free to explore all that you like. If you’re a Las Vegas local, new to ‘Vegas or even visiting from around the world, we would like to hear from you. Just click here to be taken to our Contact and Comments page. If you would like to suggest a Las Vegas area business or organization of Filipino interest or lifestyle, click here to visit our Suggest a Business FREE LISTING page.

    To quickly get started searching businesses, just make a selection from the QUICK SEARCH menu located on the left side of every page or visit our SEARCH page.

    FilipinoLasVegas.com is a site full of businesses and organizations with Filipino interest. We are also building a Community area listing of Filipino influenced activities around Las Vegas. Of course we’ll need your help! When you can, please contribute by visiting our Contact/Comments page.

    While the estimates can vary greatly depending how you adjust outdated census findings, we can guess there are over 250,000 Asians, 30,000-50,000 of which are Filipino / Filipino-American people living in the Las Vegas valley. As the largest population all Asian groups here in the valley, we thought the Filipino community (and those who simply enjoy the Filipino lifestyle) was entitled to a Website to call our own, no matter what our ethnic makeup is, and one that can ease everyday life of enjoying some of the comforts of home, no matter where we were born.

    With your suggestions, and some help from our staff, we hope to add other features to this site that will enhance everyday life, including a blog, recipes that you’re proud of, the acceptance of advertising, and other ways for you to connect to the local community and for the community to get connected with you.

    CALL THE PHILIPPINES
    Great Price, Great Sound!
    FilipinoLasVegas.com uses
    Nobel to call the Philippines

    Lapse Rate and Adiabatic Processes #insurance #lapse #rate


    #

    Lapse Rate and Adiabatic Processes

    First, we need to understand what a lapse rate is. The atmospheric lapse rate is the change in temperature with height. For example, on average the temperature cools 6.5 C for every kilometer. Of course, this varies from location to location. We can use observations to determine the lapse rate of a particular location. The observations are gathered from a miniature weather-monitoring station (smaller than a shoe box) that is attached to a balloon and released into the air twice a day at various sites throughout the world (a radiosonde ).

    The value of the lapse rate is strongly dependent on the amount of water vapor in the air. Dry air cools at about 10 C/km (the ‘dry adiabatic lapse rate’), while moist air usually cools at less than 6 C/km (‘moist adiabatic lapse rate’). The word adiabatic means that no outside heat is involved in the warming or cooling of the air parcels.

    Why are the two lapse rates different? Remember that water vapor in a rising parcel of air will condense when the air becomes cold enough. The phase change from gas to liquid takes a little work from the water molecules. As they are working, they release heat. The heat decreases the cooling that occurs in the air parcel. Therefore, a rising parcel of dry air cools faster than a moist parcel of air. And conversely, a sinking parcel of dry air warms faster than a sinking parcel of moist air.

    Now apply these concepts to mountains. Moist air that reaches a mountain range is forced to rise. The rising air cools at the moist adiabatic lapse rate and eventually some or all of the water vapor will condense. If the conditions are right, a cloud will form and it will either rain or snow. The air continues to flow over the mountain range and eventually descends on the other side. The sinking air warms. Since the air has lost much of its moisture through precipitation, it warms at the dry adiabatic lapse rate, which is greater than the moist adiabatic lapse rate. This means the air is now drier and warmer than it was before it encountered the mountain range.

    Interest Rate Definition #auto #body #supplies


    #auto interest rates
    #

    Interest Rate

    DEFINITION of ‘Interest Rate’

    VIDEO

    Loading the player.

    BREAKING DOWN ‘Interest Rate’

    Interest is charged by lenders as compensation for the loss of the asset’s use. In the case of lending money, the lender could have invested the funds instead of lending them out. With lending a large asset, the lender may have been able to generate income from the asset should they have decided to use it themselves.

    Simple Interest = P (principal ) x I (annual interest rate) x N (years)

    Borrowing $1,000 at a 6% annual interest rate for 8 months means that you would owe $40 in interest (1000 x 6% x 8/12).

    Compound Interest = P (principal) x [ ( 1 + I(interest rate) N (months) ) – 1 ]

    Borrowing $1,000 at a 6% annual interest rate for 8 months means that you would owe $40.70.

    The interest owed when compounding is taken into consideration is higher, because interest has been charged monthly on the principal + accrued interest from the previous months. For shorter time frames, the calculation of interest will be similar for both methods. As the lending time increases, though, the disparity between the two types of interest calculations grows.

    Auto loan rate from #buy #car #online


    #auto finance rates
    #

    Auto Loan Rates

    Auto Loans Auto Loan Rates

    Annual Percentage Rate (APR): The Annual Percentage Rate (APR) is a yearly rate of interest that includes all of the fees and expenses paid to acquire the loan. Federal law requires lenders to disclose the APR. The APR is essentially the ONLY rate you will need to compare one loan (of the same length) with another.

    Interest Rate: Interest is the annual rate of return that the lender receives on the principal of the loan. The interest rate is relevant t to the lender while the APR is relevant to the borrower.

    Down payment: The down payment is the total amount of money the borrower puts down towards the purchase of a vehicle at the time of purchase and origination of the loan. This does NOT include any credits for trade equity or rebates and incentives. NOTE: The down payment is credited to reduce the final sales price of the vehicle AFTER it has been adjusted to reflect taxes, trade inequity or other expenses.

    Loan Term: The length of the loan in months. A longer loan leads to substantially more interest and frequently, a trade inequity if the vehicle is traded during the first three years.

    Principal: The amount of the auto loan without the interest factored in. In other words, the amount you are financing.

    Auto Loans in other States

    Low-Interest Rate Auto Loans and Refinancing #auto #insurance #quote


    #auto refinance loans
    #

    Neighborhood Credit Union Auto Loans

    Fuel your dreams with the lowest rate for your new, used or refinanced vehicle!

    Take advantage of our 90 Days No Payments**  offer for a limited time, and make no payments on your Auto Loan until 2016 when you apply today! 

    With vehicle loan rates starting as low as 2.25% APR *, Neighborhood Credit Union is the number one choice in the Dallas-Fort Worth metroplex for all your auto loans.

    Take advantage of our competitive rates on new and used cars, trucks and other recreational vehicles, including boats, RVs and motorcycles for up to 120 months. Or refinance today to lower your monthly payments!

    Extend the life of your vehicle and get protection from the unexpected! Our extended Warranty includes:

    GAP Protection If your vehicle is declared a total loss by your insurance company due to accident, fire or theft, GAP pays up to 150% of the value of the vehicle.

    Mechanical Breakdown Protection Benefits include: Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard Trip Interruption Reimbursement

    Dent Guard Paintless Dent Repairs Automobile Deductible Reimbursement

    Interest Rate Definition #streetside #auto


    #auto interest rates
    #

    Interest Rate

    DEFINITION of ‘Interest Rate’

    VIDEO

    Loading the player.

    BREAKING DOWN ‘Interest Rate’

    Interest is charged by lenders as compensation for the loss of the asset’s use. In the case of lending money, the lender could have invested the funds instead of lending them out. With lending a large asset, the lender may have been able to generate income from the asset should they have decided to use it themselves.

    Simple Interest = P (principal ) x I (annual interest rate) x N (years)

    Borrowing $1,000 at a 6% annual interest rate for 8 months means that you would owe $40 in interest (1000 x 6% x 8/12).

    Compound Interest = P (principal) x [ ( 1 + I(interest rate) N (months) ) – 1 ]

    Borrowing $1,000 at a 6% annual interest rate for 8 months means that you would owe $40.70.

    The interest owed when compounding is taken into consideration is higher, because interest has been charged monthly on the principal + accrued interest from the previous months. For shorter time frames, the calculation of interest will be similar for both methods. As the lending time increases, though, the disparity between the two types of interest calculations grows.

    Bad Credit Loans – HIGHEST APPROVAL RATE – Personal Loans #discount #auto #insurance


    #auto loans for bad credit
    #

    Bad Credit Loan Center ™

    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it’s not easy to find help.

    Our goal is to make your process of finding a loan as stress free and easy as possible. Whether you’re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

    It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you’re approved. It doesn’t matter if you’re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a loan matching service only and is not a lender.

    For cash loans just click the “Apply Here” button directly above. You will instantly be taken to our 256bit COMODO ™ encrypted secure application.

    If you’re looking for an auto loan, debt consolidation, payday loans online or credit cards please use the navigation bar at the top of this page. For more information about us please visit the about link in the footer of this page.

    Auto loan rate from #auto #uk


    #auto finance rates
    #

    Auto Loan Rates

    Auto Loans Auto Loan Rates

    Annual Percentage Rate (APR): The Annual Percentage Rate (APR) is a yearly rate of interest that includes all of the fees and expenses paid to acquire the loan. Federal law requires lenders to disclose the APR. The APR is essentially the ONLY rate you will need to compare one loan (of the same length) with another.

    Interest Rate: Interest is the annual rate of return that the lender receives on the principal of the loan. The interest rate is relevant t to the lender while the APR is relevant to the borrower.

    Down payment: The down payment is the total amount of money the borrower puts down towards the purchase of a vehicle at the time of purchase and origination of the loan. This does NOT include any credits for trade equity or rebates and incentives. NOTE: The down payment is credited to reduce the final sales price of the vehicle AFTER it has been adjusted to reflect taxes, trade inequity or other expenses.

    Loan Term: The length of the loan in months. A longer loan leads to substantially more interest and frequently, a trade inequity if the vehicle is traded during the first three years.

    Principal: The amount of the auto loan without the interest factored in. In other words, the amount you are financing.

    Auto Loans in other States

    Bad Credit Loans – HIGHEST APPROVAL RATE – Personal Loans #compare #auto #insurance #quotes


    #auto loans for bad credit
    #

    Bad Credit Loan Center ™

    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it’s not easy to find help.

    Our goal is to make your process of finding a loan as stress free and easy as possible. Whether you’re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

    It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you’re approved. It doesn’t matter if you’re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a loan matching service only and is not a lender.

    For cash loans just click the “Apply Here” button directly above. You will instantly be taken to our 256bit COMODO ™ encrypted secure application.

    If you’re looking for an auto loan, debt consolidation, payday loans online or credit cards please use the navigation bar at the top of this page. For more information about us please visit the about link in the footer of this page.

    How To Find The Best Rate On Auto Insurance #advanced #auto #parts


    #auto insurance rates
    #

    How to find the best rate on auto insurance

    There once was a time when one phone call to your family insurance agent gave you all the coverage protection you needed at the very best price. Well. today, just watch the halftime show during one pro-football game. Huh? Chances are that you will see commercials for just about every flavor of insurance offered by a dozen different insurance companies. Each one promising better rates, better service and better protection.

    So how do you navigate the options to get the best auto insurance rate? Take the time to comparison shop, and understand what might lower your rate.

    How much do you drive each week? Take the train or bus to work? This could affect your auto insurance rate.

    How old is your car? If you own it and it is pretty old, consider dropping collision coverage — the replacement value might not be worth the monthly premium.

    Are you a student — and a good one? Look for good-student rates.

    How much of a deductible can you afford? Carrying a higher deductible will lower your monthly rate.

    What’s your credit rating? Sounds crazy, but it’s true. People with good credit get better rates on car insurance. Why? If you are not paying your bills on time, chances are it is because you do not have the cash on hand, which means that if you get into a fender bender, you are definitely filing a claim, even if it makes your rate go up.

    Some companies offer discounts for different professional groups or organizations. Ask to see a list from each company you are considering.

    Find out about any other discounts that are offered, but be careful — sometimes, the companies with the highest prices offer the biggest discounts but not enough to make them the least expensive option. Do the math before buying a policy.

    Ready to shop? Check out insurance comparison shopping sites such as NetQuote.com and InsureMe.com. It is a little more challenging to buy auto insurance than it used to be. But shopping around really does pay off.

    Bad Credit Loans – HIGHEST APPROVAL RATE – Personal Loans #auto #payment #calculator


    #auto loans for bad credit
    #

    Bad Credit Loan Center ™

    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it’s not easy to find help.

    Our goal is to make your process of finding a loan as stress free and easy as possible. Whether you’re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

    It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you’re approved. It doesn’t matter if you’re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a loan matching service only and is not a lender.

    For cash loans just click the “Apply Here” button directly above. You will instantly be taken to our 256bit COMODO ™ encrypted secure application.

    If you’re looking for an auto loan, debt consolidation, payday loans online or credit cards please use the navigation bar at the top of this page. For more information about us please visit the about link in the footer of this page.

    Auto loan rate #car #sale


    #auto loan rate
    #

    TODAY’S RATES

    Membership

    See how you can become a member!

    e-Services

    e-Alert Information

    Apply

    Apply Today for a Loan or Credit Card!

    Mobile Banking App

    Download Our Mobile App

    FAQs

    Frequently Asked Questions

    Visa Credit Cards

    Visa Account Information & Access

    Auto loan rate from #auto #bulbs


    #auto finance rates
    #

    Auto Loan Rates

    Auto Loans Auto Loan Rates

    Annual Percentage Rate (APR): The Annual Percentage Rate (APR) is a yearly rate of interest that includes all of the fees and expenses paid to acquire the loan. Federal law requires lenders to disclose the APR. The APR is essentially the ONLY rate you will need to compare one loan (of the same length) with another.

    Interest Rate: Interest is the annual rate of return that the lender receives on the principal of the loan. The interest rate is relevant t to the lender while the APR is relevant to the borrower.

    Down payment: The down payment is the total amount of money the borrower puts down towards the purchase of a vehicle at the time of purchase and origination of the loan. This does NOT include any credits for trade equity or rebates and incentives. NOTE: The down payment is credited to reduce the final sales price of the vehicle AFTER it has been adjusted to reflect taxes, trade inequity or other expenses.

    Loan Term: The length of the loan in months. A longer loan leads to substantially more interest and frequently, a trade inequity if the vehicle is traded during the first three years.

    Principal: The amount of the auto loan without the interest factored in. In other words, the amount you are financing.

    Auto Loans in other States

    Firestone Complete Auto Care Employer Wages, Hourly Wage Rate #vehicles #for #sale


    #firestone auto
    #

    Average Hourly Rate for Firestone Complete Auto Care Employees

    Years of Experience

    Average pay is $14.44 per hour for those with five to nine years of experience. Overall, the greater share of Firestone Complete Auto Care folks have one to four years of experience and earn an average approximately $12.09 per hour.

    Locations

    When it comes to location, the highest average paycheck ($18.00 per hour) can be spotted in Phoenix, Ariz.; Miami, Fla. ($14.48), Orlando, Fla. (about $14.03), and Atlanta, Ga. (around $13.00) are the next top-paying cities. Sacramento, Calif. is near the bottom for pay at about $10.50. By state, the highest pay levels are found in North Carolina, where the average Firestone Complete Auto Care employee makes approximately $14.25 per hour.

    Jobs

    Trainee Managers represent the higher end of the earnings spectrum — in fact, median pay for this job is the highest at $15.75 per hour — though Automotive Service Managers, Automotive Technicians, and Automobile Mechanics also do fairly well at around $15.02, $14.21, and $12.50, respectively. Near the bottom at Firestone Complete Auto Care are Retail Sales Associates, pulling in an average of just $10.00.

    Certifications and Degrees

    ASE Master Technicians have significantly higher pay than non-accredited workers at about $18.93 per hour. Firestone Complete Auto Care compensates Associate’s Degree-holders the most at $16.13 per hour.

    Skills

    When it comes to skills, Troubleshooting seems to bolster pay the most; employees who claim proficiency also enjoy a median income of around $14.89 per hour. One of the more prevalent skills at Firestone Complete Auto Care is Automotive Engine Repair, with the larger part considering it a key competency. Key skills also include Maintenance, Electronic Troubleshooting, and System Repair.

    Gender

    Firestone Complete Auto Care’s employees who answered the questionnaire are largely male (the male-to-female ratio is more than 3 to 1).

    Benefits and Perks

    Paid time off is hard to come by at Firestone Complete Auto Care; the company rewards only one in four employees with paid vacation time and only one in seven workers with sick leave. A strong majority of survey participants allocate some part of their earnings to the company-sponsored 401(k) savings plan. Health insurance comes as part of the deal for a strong majority of respondents, and a majority of survey participants report receiving dental coverage as well. A few more workplace perks are tuition reimbursement, 401(a), and life insurance.

    Low Interest Rate Car Loans #auto #advance


    #lowest auto loan rates
    #

    Buying a car is a great accomplishment of the American dream! But, high interest rates are making things difficult for the common man. It is for this reason that Rapidcarloans.net offers auto loans with guaranteed low rates. You can get instant approval even when you have bad credit or no credit history.

    Rapid Car Loans cares for you and your wallet and ensures affordable loans. We offer auto loans at competitive interest rates and flexible repayment terms.

    New or old – a car is very dear to its owner. Hence, we offer an extensive range of auto loans for used and new cars. Used cars have a low re-sale value and hence lenders consider it a risky proposition. But, Rapid Car Loans doesn’t judge anyone on a single factor. We consider several aspects for your approval. So, feel free to apply.

    You need not to worry about your credit score. A large network of lenders allows us to approve car loans with bad credit score as well. Rapid Car Loans provides loans to borrowers with a past bankruptcy. So, don’t hesitate in filling the application form.

    You can further lower your interest rate with the help of co-signer loans. Generally, a co-signer is someone who has a good credit standing. If he/she co-signs your loan agreement, your credibility increases. This reduces the risk factor and also your interest rate.

    Your information is secured using the SSL certificate. We ensure total confidentiality while handling your application. Once you fill the online application on the website, several competent lenders compete against each other. This helps us to offer you best car loan quotes .

    Not only do you have access to several lenders, you also get the opportunity to compare quotes. This will help you choose the best loan terms which will fit your criteria effectively.

    Students need a car to commute to college. But, availing car loans with a no credit history becomes extremely tough. This becomes a grave situation as lenders are unwilling to lend money. But, with our low interest car loans, students will not only avail loans, but will be able to build their credit score.

    If you think you are paying exorbitantly high interest rates or are simply tired of your rigid loans terms, Rapid Car Loans’ refinancing program helps you get rid of your loan by offering competitive rates.

    Rapid Car Loans is an effective online platform to help with your financial needs. One simple application form will open several new avenues for you.

    Avail a free car loan quote today!

    Low-Interest Rate Auto Loans and Refinancing #napa #auto


    #auto refinance loans
    #

    Neighborhood Credit Union Auto Loans

    Fuel your dreams with the lowest rate for your new, used or refinanced vehicle!

    Take advantage of our 90 Days No Payments**  offer for a limited time, and make no payments on your Auto Loan until 2016 when you apply today! 

    With vehicle loan rates starting as low as 2.25% APR *, Neighborhood Credit Union is the number one choice in the Dallas-Fort Worth metroplex for all your auto loans.

    Take advantage of our competitive rates on new and used cars, trucks and other recreational vehicles, including boats, RVs and motorcycles for up to 120 months. Or refinance today to lower your monthly payments!

    Extend the life of your vehicle and get protection from the unexpected! Our extended Warranty includes:

    GAP Protection If your vehicle is declared a total loss by your insurance company due to accident, fire or theft, GAP pays up to 150% of the value of the vehicle.

    Mechanical Breakdown Protection Benefits include: Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard Trip Interruption Reimbursement

    Dent Guard Paintless Dent Repairs Automobile Deductible Reimbursement

    How To Find The Best Rate On Auto Insurance #classic #auto


    #auto insurance rates
    #

    How to find the best rate on auto insurance

    There once was a time when one phone call to your family insurance agent gave you all the coverage protection you needed at the very best price. Well. today, just watch the halftime show during one pro-football game. Huh? Chances are that you will see commercials for just about every flavor of insurance offered by a dozen different insurance companies. Each one promising better rates, better service and better protection.

    So how do you navigate the options to get the best auto insurance rate? Take the time to comparison shop, and understand what might lower your rate.

    How much do you drive each week? Take the train or bus to work? This could affect your auto insurance rate.

    How old is your car? If you own it and it is pretty old, consider dropping collision coverage — the replacement value might not be worth the monthly premium.

    Are you a student — and a good one? Look for good-student rates.

    How much of a deductible can you afford? Carrying a higher deductible will lower your monthly rate.

    What’s your credit rating? Sounds crazy, but it’s true. People with good credit get better rates on car insurance. Why? If you are not paying your bills on time, chances are it is because you do not have the cash on hand, which means that if you get into a fender bender, you are definitely filing a claim, even if it makes your rate go up.

    Some companies offer discounts for different professional groups or organizations. Ask to see a list from each company you are considering.

    Find out about any other discounts that are offered, but be careful — sometimes, the companies with the highest prices offer the biggest discounts but not enough to make them the least expensive option. Do the math before buying a policy.

    Ready to shop? Check out insurance comparison shopping sites such as NetQuote.com and InsureMe.com. It is a little more challenging to buy auto insurance than it used to be. But shopping around really does pay off.

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


    #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.

    Lowest Interest Rate Car Loans – Bad Credit is OK. Fast Instant Approval.


    #auto loan for bad credit
    #

    Shop Low Interest Rate Auto Loans. Short Application. Fast & Easy Approval

    New Car Loans, Used Car Loans and Car Refinance Loans

    Few people can manage their daily responsibilities without the use of a vehicle. Whether you need a car to commute to work or to school, the prospect of purchasing a new or used car is an exciting experience. Most importantly having your own transportation means freedom to go and come as you please without constantly rely on external schedules.

    Mistakes to avoid when getting a car loan financed

    In their haste to get a car, most people make the mistake of using an auto dealership’s financing or they fail to shop for a low interest rate car loan. The fact is, car loan interest rates can vary extensively depending on which bank finances the car loan. One car loan customer may get a car loan at a 6% interest rate, while another person with gets an interest rate of 7%. Over the lifetime of a car loan, a high interest car loan amounts to thousands of dollars that the customer could have used towards some other personal expense.

    How Credit Scores Affect Auto Loan Interest Rates

    You may have heard the term FICO score or credit score. Your credit score is a number from 300 to 850, with 850 being the best score that one can have. If your FICO credit score is above 650, you are generally considered to have good credit. If you need to buy a car and your credit score is below 650, you can still get a car loan.

    Auto loans unlike home loans are easier to acquire because customers are usually financing a smaller dollar amount. This means that even customers with credit scores of 450, 500, 550, 560, 580, 600, 620, etc can get auto loans. Auto loans are also available to students or people who have no credit history. To compensate for the risk factor, auto loan lenders will charge a higher interest rate for people with low credit scores or no credit history.

    Credit score qualifications

    All credit scores considered: 400, 420, 425, 430, 450, 460, 470, 480, 490, 500, 510, 520, 525, 530, 540, 550, 560, 570, 580, 600, 610, 620, 630, 640 & up