Auto Bill Of Sale Form. Available for Your State. #denver #auto #auction

#auto bill of sale

Automobile Bill of Sale

Form to use when buying or selling a vehicle like a car, van, truck or trailer in all states. Includes Odometer Disclosure Statement.

60-Days Money Back

When selling an automobile or any type of vehicle (truck, van, motorcycle, or trailer), an Automobile/Vehicle Bill of Sale is necessary to document the terms and conditions of the transaction and to protect your rights.

This legal form is also helpful for accounting and tax purposes and includes the make, model, year, mileage, and vehicle identification number (VIN) of the vehicle. The buyer can use an Automobile/ Vehicle bill of sale to help prove ownership of the vehicle.

An Odometer Disclosure Statement is also included in this Automobile/Vehicle Bill of Sale packet since federal law mandates that the seller state the mileage upon transfer of ownership.

These important provisions are included in this All Automobile / Vehicle Bill of Sale:

  • Consideration paid: This provision states the amount paid for the vehicle and also can be used by the buyer to prove that valuable consideration was paid for the vehicle;
  • Seller’s and buyer’s name / address: Locates and identifies the parties to this sale in the event of a dispute;
  • Make/ Model/ Year/ Mileage/ Vehicle identification number: Identifies the vehicle being sold;
  • Ownership Covenant: Seller warrants that he/she is the true owner of vehicle and has the right to sell the vehicle;
  • Encumbrance Covenant: Seller warrants that the vehicle is free from any lien, security interest or other encumbrance;
  • Defend Covenant: Seller will defend vehicle against any claims or demands.

Protect your Rights and Property, by using our professionally prepared up-to-date forms.

This attorney-prepared packet includes:

  1. Instructions and checklist for Automobile / Vehicle Bill of Sale
  2. Information for Automobile / Vehicle Bill of Sale
  3. Automobile / Vehicle Bill of Sale
  4. Odometer Disclosure Statement

State Compliant: This form complies with the laws of your state.

This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the “Sample Form” near the top left of this page.

Boston is one of the cheapest places in the state to buy a used car – Used car deals. #used #honda #cars

#affordable used cars

Boston is one of the cheapest places in the state to buy a used car Staff | 11.25.15 | 1:25 PM

If you re planning to buy a used car on Black Friday, you might want to think about which dealership you chose to go to it could save you some money.

San Francisco-based used car website Autolist found Boston is the No. 10 most affordable place to buy a car in Massachusetts. According to Autolist s findings, consumers who buy a car in Boston pay $178 less than the state average.

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The survey also found used cars sold in Boston are $840 less expensive than the national average.

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Alex Klein, Autolist s vice president of data science, describes the company as the Kayak of used cars. Autolist looked at the price differences of over 58 million used vehicles sold across the U.S. between November 2012 and September 2015 by city, county, state, and at the national level.

The company tracked each vehicle s price per day, resulting in over 3 billion data points to measure.

It turns out that Framingham offers consumers more savings than any other Massachusetts town, as consumers spend an average of $388 less on used cars than anywhere else in the state.

At the other end of the scale, consumers who buy a used car in Haverhill, Fitchburg, Methuen, Leominster, and Lowell can expect to pay between $478 and $582 more than the state average.

Looking at data may tell you if you want to drive somewhere to buy a car, he said. Driving an hour and a half might save you hundreds or thousands.

A greater presence of used car dealers in a city or town also contributes to more consumer savings, said Klein. Used car dealers may offer more savings to consumers if they are worried they will go to nearby used car dealership.

If there are five dealers selling a [Toyota] Camry they are competing with one another for buyers, said Klein. The more competition in a given area, the more prices are driven down.

Klein said Autolist aims to provide consumers with greater transparency and data for used car sales to make the used car buying experience a little easier.

The used car market is kind of a black box to a lot of people, said Klein. It s tough to go out and make decisions without data. But there is data out there before you make a decision it pays to take a look at that data and make an informed decision.

Here are the 10 cities and towns where it s cheapest to buy a used car:

10. Boston. Price difference compared to rest of Mass. $178 less expensive. Price difference compared to U.S. $840 less expensive. Nationwide rank: No. 222.

State Farm s edge over Allstate? It s private – In Other News – Crain s Chicago Business #allstate #vs #state #farm #auto #insurance




Joe Cahill on Business

State Farm’s edge? It’s private

For a while now, I’ve been wondering why State Farm seems immune to the troubles plaguing Allstate.

After all, the nation’s two biggest property-casualty insurers have a lot in common. Both were founded in the Midwest early in the last century. Both sell auto and homeowners’ insurance to middle-class Americans through thousands of agents around the country. Both were slow to embrace direct sales over the telephone and Internet, the method favored by fast-growing competitors Geico and Progressive Corp.

Yet State Farm Mutual Automobile Insurance Co. holds its own against the direct sellers, while Allstate Corp. loses ground. State Farm expands it’s adding 900 agents while Allstate’s agent count dropped 13 percent last year.

What’s the explanation? Ownership.

No. 1 State Farm, based in Bloomington, is a mutual company owned by the policy- holders who buy its insurance. No. 2 Allstate, based in Northbrook, is a stock company, owned by public shareholders. One answers to its customers, the other to Wall Street.

The biggest difference is one is a public company and one is not, says Paul Newsome, managing director at Sandler O’Neill & Partners L.P.

Anything State Farm does to please its customers also pleases its owners. Allstate, however, struggles to balance customers’ demands for good pricing and service with stockholders’ desire for profitable growth.

State Farm has more leeway to compete on price with the likes of Geico and Progressive, because its customer-owners benefit from any price cuts. On service and claims, State Farm can afford to be attentive and generous with the owners of the company.

Because we are a mutual company, we don’t have to have to sacrifice the long-term interest of our customers to accommodate the short-term interests of our stockholders, a State Farm spokeswoman says.

It’s a different story for Allstate, which declined an interview request. Every dime Allstate spends on claims or price cuts is one less dime for shareholders.

It stands to reason, then, that State Farm’s scores were high and Allstate’s average in the most recent customer-satisfaction survey conducted by J.D. Power & Associates.

State Farm’s reputation for outstanding service makes a good selling point with customers. Geico and Progressive, meanwhile, distinguish themselves with low prices.

And what sets Allstate apart? Profitability. For all its growth woes, Allstate’s margins exceed those of State Farm and most other insurers.

Catnip for investors, maybe, but not for customers. Insure your car with Allstate we’re more profitable. Now there’s a catchy tagline.

An operating philosophy geared to investors puts Allstate at a competitive disadvantage. Its market share slipped more than a percentage point to about 10 percent over the past five years as premiums fell 6.7 percent, according to data from SNL Financial in Charlottesville, Va. Meantime, State Farm’s market share edged up to 19 percent as premium growth of 9.8 percent outpaced the industry.

Allstate’s predicament shows how public stock ownership sometimes deprives executives of the flexibility to respond to changing market conditions. Ironically, this eventually can prevent a company from meeting investors’ other big demand: growth.

Doubts about Allstate’s growth prospects depress its shares, which trade at about nine times projected earnings per share for 2012. Fast-growing Progressive, by comparison, trades at 15 times earnings.

Allstate shares have perked up lately on signs company brass is waking up to the growth worries. Allstate bought online insurer Esurance last year, and CEO Tom Wilson recently acknowledged the need to get more aggressive on pricing.

Barring an unlikely switch to private ownership, these moves look like Allstate’s best bet. Giving up a few percentage points of profit margin won’t plunge it into the red, and it will help Allstate compete for customers.

It’s working for State Farm, anyway.

Read Next

State taxes: Wisconsin #wisconsin #state #income #tax


State taxes: Wisconsin

Overview of Wisconsin Taxes

The Wisconsin state income tax rate is currently 4% on the low end and 7.65% on the high end. The income tax rate varies over 4 income brackets. More on Wisconsin taxes can be found in the tabbed pages below.

Personal income tax

Wisconsin reduced both its tax rates and the number of income tax brackets beginning with the 2013 tax year. The income that falls into these brackets is shown below.

For single taxpayers, the rates are:

  • 4% on the first $11,090 of taxable income.
  • 5.84% on taxable income between $11,091 and $22,190.
  • 6.27% on taxable income between $22,191 and $244,270.
  • 7.65% on taxable income of $244,271 and above.

For married taxpayers filing joint returns, taxes are assessed at:

  • 4% on the first $14,790 of taxable income.
  • 5.84% on taxable income between $14,791 and $29,580.
  • 6.27% on taxable income between $29,581 and $325,700.
  • 7.65% on taxable income of $325,701 and above.

Wisconsin’s tax returns are due April 15 or the next business day if that date falls on a weekend or holiday.

Wisconsin offers an earned income tax credit to its residents. This credit provides a direct benefit to working families with qualifying children. The benefit amount depends on the total household income and the number of children.

Sales taxes

Wisconsin has a sales tax of 5%.

Further, 62 counties have an additional sales tax of 0.5%. Retailers who make sales subject to applicable county taxes must collect 5.5% sales tax on their retail sales.

Sales of motor vehicles, boats, recreational vehicles and aircrafts are subject to the county use tax of 0.5% rather than county sales tax based on the county in which the item is customarily kept.

Personal and real property taxes

The most common property tax assessed on Wisconsin residents is the real property tax, or their residential property tax. Wisconsin does not impose a property tax on vehicles, but does levy an annual registration fee.

The Division of State and Local Finance. or SLF, is responsible for establishing the state’s equalized values; assessing all manufacturing and telecommunication company property for property tax purposes; assessing and collecting taxes on utilities, railroads, airlines, mining and other special properties; and providing financial management and technical assistance to municipal and county governments. It also administers the state shared revenue, property tax relief payments for municipal services and the lottery credit program, and the tax incremental financing programs, along with providing property assessment administration and certification of assessment personnel.

Equalized values are based on the full market value of all taxable property in the state, except for agricultural land. In order to provide property tax relief for farmers, the value of agricultural land is determined by its value for agriculture uses, rather than for its possible development value.

Equalized values are used to distribute state aid payments to counties, municipalities and technical colleges. Assessments prepared by local assessors are used to distribute the property tax burden within individual municipalities. You can find your county’s or municipality’s equalized value on the Department of Revenue’s website.

Details on Wisconsin’s property tax system can be found in the Department of Revenue’s Guide for Property Owners .

Wisconsin has 2 programs to help people with their property taxes: the homestead credit and the Property Tax Deferral Loan Program.

  • The credit is income-based and available to renters as well as homeowners. Further information about the homestead tax credit is available by calling the Department of Revenue at (608) 266-8641.
  • The loan program is operated by the Wisconsin Housing and Economic Development Authority. or WHEDA, and provides loans to qualifying elderly homeowners to help pay for property taxes. Details can be obtained by calling WHEDA toll-free at (800) 562-5546.

Inheritance and estate taxes

Wisconsin does not collect inheritance taxes.

Wisconsin does not collect an estate tax. It will not impose an estate tax unless the federal estate tax law is modified to provide a federal estate tax credit for state death taxes.

Other Wisconsin tax facts

Wisconsin maintains an online listing of delinquent taxpayers .

Wisconsin taxpayers can use several online options, such as filing returns and checking their refund status online .

The Wisconsin Department of Revenue also administers unclaimed property. Unclaimed property is any financial asset that hasn’t had owner activity for a year or more and the holder of the asset is not able to contact the owner. In addition to traditional financial assets — such as savings and checking accounts, stock, and mutual funds — unclaimed property includes utility deposits, unclaimed wages and property resulting from a business closure. The law does not include real estate.

For more information, contact the Wisconsin Department of Revenue at (608) 266-2772, or visit its website .

To download tax forms on this site, you will need to install a free copy of Adobe Acrobat Reader. Click here for instructions.

How we make money is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. does not include all companies or all available products.

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New York City Small Claims Court> #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


Starting a Case

Anyone 18 years of age or over can sue in Small Claims Court. If you are younger than 18, your parent or guardian may sue on your behalf. Only an individual can sue in Small Claims Court. Corporations, partnerships, associations, or assignees cannot sue in Small Claims Court. However, they can be sued in Small Claims Court. If you are a corporation, partnership, association or assignee, you can bring a Commercial Claim or Consumer Transaction. For more information, click on Commercial Claims and Consumer Transactions.

In general, the person suing is called the claimant. The person being sued is called the defendant. You may sue more than one person at the same time.

You must be the proper person to sue in Small Claims Court. For example, if you are involved in an accident while driving an automobile that is not registered in your name, you cannot sue for the damage caused to the automobile during the accident. Only the registered owner of the automobile can sue for the damages caused to the automobile.

To learn more about bringing a Small Claims Court case, continue reading below. You can also read the law on this procedure, by clicking on Civil Court Act section 1803 .

Where to Sue: Venue

A claimant must begin the lawsuit in the proper county. In general, a claimant can sue in the county where either party resides. If no party resides within the City, the action can be brought in the county where either party has employment or a business address. If the defendant does not have a residence, employment, or have a business address within the City of New York, you cannot bring the lawsuit in the Small Claims Court. To find the location in your county, click on Locations .

Starting the Case

To begin an action in Small Claims Court, a person, or someone acting on his or her behalf, must come to the Small Claims Court Clerk s office in the proper county and fill out a statement of claim. To find out where the clerk s office is located in your county, click on Locations. To find out when the Small Claims Court Clerk s office is open, click on Court Hours. You may also use an outside service to fill out your statement of claim and electronically file it with the Court. If you are interested in starting your case this way, click on electronic filing .

The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. View and print the small claims claim form.

You can watch a short tutorial to explain how to fill in the form.

Small Claims Form Instructions:
Video (run time: 4:52 minutes/seconds, Windows Media format )
Written Transcript

You will have to pay the court fee to file your claim. If your claim is for an amount up to and including $1,000.00, there is a fee of $15.00. If your claim is for an amount over $1,000.00 and up to $5,000.00, there is a fee of $20.00. The fee must be paid by cash, certified check, money order or bank check made out to Clerk of the Civil Court. Personal checks will not be accepted.

The clerk will give you a date for the hearing. Small Claims Court hearings are usually held at 6:30 p.m. If you are a senior citizen, a disabled person, or a person who works during the evening, you may request that your small claims hearing be heard during the day. You or the person appearing on your behalf must show proof of age, or disability, or nighttime employment. The proof can be in the form of a letter from your job or from a doctor, a driver s license showing your birth date, or other similar documents.

If you live outside the City of New York and want to sue a party within the City of New York, you may file your claim by mail. Contact the Small Claims Court Clerk s office in the county where the defendant lives, works or has a place of business to obtain the necessary form.

The court system does not provide electronic filing at this time. However, several private vendors provide this service. The service provided by each of the vendors is different, and you must review their requirements. We advise that you review this entire website, as it offers a lot of information on how to proceed with your case.

The current vendors are:

Notifying the Defendant

After your claim is filed, the Small Claims Court clerk will serve a notice of your claim by sending it to the defendant. The notice of claim tells the defendant when to appear in Small Claims Court, and includes a brief statement of your claim and the amount of money you are requesting.

The notice of your claim will be sent to the defendant by certified mail and by ordinary first class mail. If the notice sent by ordinary first class mail is not returned by the post office within 21 days as undeliverable, the defendant is presumed to have received notice of your claim, even if the notice of claim sent by certified mail has not been delivered.

If the post office cannot deliver the notice of your claim (for example, the defendant may have moved without leaving a forwarding address), the court clerk will give you a new hearing date and will tell you how to arrange for personal delivery of the notice to the defendant. Anyone who is not a party to the small claim and who is 18 years of age or older can personally deliver the notice of claim to the defendant. The claimant or any other party to the action may not serve the notice of claim personally on the defendant.

If the notice of claim cannot be served on the defendant within 4 months after you filed your claim, your claim will be dismissed. If you learn new information about the defendant s location at a later date, you can file your claim again.

A small claims case will not proceed to trial until the defendant has been served with a notice of your claim.

The defendant may want to file a counterclaim. For information about this procedure, click on Counterclaims .

Preparing for Court

Before the date of the hearing, you should gather all the evidence that supports your claim or your defense. Evidence may include: photographs, a written agreement, an itemized bill or invoice marked paid, receipts, at least two itemized written estimates of the cost of services or repairs, a canceled check, a damaged item or article of clothing, or letters or other written documents. If there are records that are not in your possession, you may wish to subpoena them to be produced at the hearing date. For information about this procedure, click on Subpoenas .

You should also prepare any witnesses you plan to testify at the hearing in support of your claim or defense. The testimony of a person who has special or expert knowledge and experience concerning the subject of your claim may be necessary for you to prove your case. For example, if your claim involves the quality of medical care, you must find a doctor who is willing to give an opinion, in court, about the quality of the care you received. While you might find an expert witness who will testify at no cost to you, it is more likely that you will have to pay for an expert witness testimony.

If a witness, other than an expert witness, will not testify voluntarily, you can serve the witness with a subpoena requiring them to appear in court and testify. For information on how to do this, click on Subpoenas.

New York State Insurance Department Regulations by NYCRR Part Number #car #insurance #in #new #york #state


Insurance Regulations by NYCRR Part Number

  • The following table is organized by Chapters. Some Chapters have subchapters and notes are included.
  • The table is divided into three columns; first column displays the Part No.; second column displays the description; third column displays the NYSID Regulation No.
  • Note: When a new chapter or subchapter listing appears, it encompasses the entire row and is in bold .

For additional information on recent developments, please see our:


Promulgation of Regulations; Opinions

Election of Directors in Domestic Life Insurance Companies

Rules Governing the Procedures for Adjudicatory Proceedings Before the Insurance Department

Sale of Insurance Securities

Insider Trading of Insurance Securities

Distribution and Sale of Publications and Forms of the Insurance Department

Proxies, Consents and Authorizations of Domestic Stock Insurers

Agent Training Allowance Subsidies for Certain Life Insurance and Annuity Business

Mass Merchandising of Personal Property -Liability Insurance

Simplified Comprehensive Policies of Insurance

Special Risk Insurance

Standard Health Insurance Claims Forms for the Services of Physicians, Dentists and Hospitals

New York Insurance Exchange, Inc.

** Note the subparts in the three rows below. **

Subpart 18-1: General

Subpart 18-2: Investments in Underwriting Members, Broker Members and Associate Members

Subpart 18-3: Criteria for Eligibility for the Position of Public Governor

Homeowners Insurance; Applications for Withdrawal from Marketplace


Brokers and Agents – General

Insurance Brokers and Excess Line Brokers

Agents: Life, Accident and Health

Agents: Fire, Marine, Casualty, etc.

Officers and Employees of Insurers

Excess Line Placements Governing Standards

Professional Bail Bond Agents

Summary Suspension of Insurance Law Licenses

Managing General Agents

Requirements Pertaining to the Location of an Insurance Agent or Broker at Each Place of Insurance Business: Reporting Requirements


A. Life, Accident and Health Insurance

Minimum Standards for the Partnership for Long-Term Care Program Established Under Chapter 454 of the Laws of 1989, As Amended by Chapter 659 of the Laws of 1997

Kansas State University – Acalog ACMS™ #kansas, #state, #university, #k-state, #ksu, #kansas #state #university, #catalog, #undergraduate, #graduate, #courses, #classes, #college, #wildcat, #majors, #degrees, #curriculum, #programs, #powercat, #admissions, #enrollments, #registrar


2017-2018 Graduate Catalog

University Administration

General Richard B. Myers, President
April C. Mason, Provost and Senior Vice President
Cindy Bontrager, Vice President for Administration and Finance
Pat J. Bosco, Vice President for Student Life and Dean of Students
Peter Dorhout, Vice President for Research
Jeffery B. Morris, Acting Vice President for Human Capital
Jeffery B. Morris, Vice President for Communications and Marketing

Academic Divisions

John D. Floros, Dean, College of Agriculture
Timothy de Noble, Dean, College of Architecture and Design
Amit Chakrabarti, Interim Dean, College of Arts and Sciences
Kevin Gwinner, Edgerley Family Dean, College of Business Administration
Debbie K. Mercer, Dean, College of Education
Darren Dawson, Dean, College of Engineering
John Buckwalter, Dean, College of Human Ecology
Verna M. Fitzsimmons, Dean and CEO, College of Technology and Aviation, K-State Polytechnic Campus
Tammy Beckham, Dean, College of Veterinary Medicine
Carol Shanklin, Dean of the Graduate School
Sue C. Maes, Dean of K-State Global Campus
Lori A. Goetsch, Dean of Libraries
Ralph Richardson, Interim Dean and CEO, K-State at Olathe

Kansas Board of Regents

Blake Flanders, President and CEO
Joseph Bain
Shane Bangerter
Ann Brandau-Murguia
Bill Feuerborn
Dennis Mullin
Dave Murfin, Vice-Chair
Zoe Newton, Chair
Daniel Thomas
Helen Van Etten

Admissions Information

Graduate students
1-800-651-1816 (toll free)
Outside the United States: 785-532-6191
Fax: 785-532-2983

The material in this catalog is provided for informational purposes and does not constitute a contract. For example, courses, curricula, degree requirements, fees, and policies are subject to constant review and change without notice.

Equity in athletics

In accordance with the Equity in Athletics Disclosure Act, an annual report pertaining to K-State s athletic programs is available to prospective students, students, and to the public in the following locations: Intercollegiate Athletics and online at .

Any questions regarding the Equity in Athletics Disclosure Act should be directed to Intercollegiate Athletics, Kansas State University, 1800 College Avenue, Manhattan, Kansas 66502.

Notice of nondiscrimination

Kansas State University is committed to nondiscrimination on the basis of race, color, ethnic or national origin, sex, sexual orientation, gender identity, religion, age, ancestry, disability, military status, veteran status, or other nonmerit reasons, in admissions, educational programs or activities and employment (including employment of disabled veterans and veterans of the Vietnam Era), as required by applicable laws and regulations. Responsibility for coordination of compliance efforts and receipt of inquiries concerning Title VI of the Civil Rights Act of 1964, Title IX of the Education Amendments of 1972, Section 504 of the Rehabilitation Act of 1973, the Age Discrimination Act of 1975, and the Americans With Disabilities Act of 1990, has been delegated to the Director of Office of Institutional Equity, Kansas State University, 103 Edwards Hall, Manhattan, KS 66506-0124, (Phone) 785-532-6220; (TTY) 785- 532-4807.

Students, campuses in state add saving water to college life – LA Times #ucla, #environmental #protection, #carbon #footprint, #severe #drought, #water #restrictions, #jerry #brown, #janet #napolitano, #cal #state #campuses


Students, campuses in state add saving water to college life

College campuses, students in California are taking steps to reduce water usage amid drought

In a residence hall at UCLA. 84 students share a floor dedicated to cutting waste and preserving the environment: They take five-minute showers, they compost and recycle, they goad each other to turn out the lights and, through a grant, they purchased reusable plastic and bamboo dishes and utensils for personal use in the dorm.

We call ourselves the sustainable living and learning lab and our floor is really just about education and facilitating student leadership in the area, said Sarah Dahnke, 21, a global studies major and one of the dorm’s resident assistants.


Water conservation: In the April 22 California section, a photo caption with an article about saving water on college campuses misidentified a passerby as UCLA Chief Sustainability Officer Nurit Katz. —

Efforts like those of Dahnke and her dorm mates are being replicated at colleges and universities in California and across the nation as part of a growing movement to incorporate environmental protection into research, curriculum and student life.

California institutions have in many ways been in the vanguard of progressive policies to promote energy efficiency and reduce their carbon footprint.

Now, in the grip of a severe drought and facing mandatory water restrictions, the state’s colleges are under intensified pressure to reduce consumption and ramp up other conservation measures. They have many advantages: faculty researching the cutting edge of sustainable technologies and students eager to embrace the cause.

When I first came to California a few years ago, there was a lot more green grass and snow. In class, we see data showing the changes and then you see it in nature. Sidhaant Shah, UCLA chemical engineering and environmental science major

But they also face tough challenges, with many of the larger campuses being virtual cities within cities, including thousands of students and faculty, housing, transportation and hundreds of acres of land to contend with.

Campuses throughout the state are installing low-flow urinals and shower heads, faucet aerators and high-efficiency toilets in dorms. Many are turning off sections of irrigation systems and letting grounds go brown, with plans to install drought tolerant plants and hardscape.

University of California President Janet Napolitano has committed to achieving carbon neutrality on the 10 campuses by 2025. The state’s 112 community colleges are studying which water conservation methods are yielding the greatest savings, partly in response to questions from Gov. Jerry Brown and the Legislature on efforts colleges are making, said Paul Feist, a spokesman for the community colleges chancellor’s office.

At Cal State Long Beach. a project to convert lawn areas to drought resistant landscaping, with the first phase — encompassing about two acres of the 322-acre campus — is expected to be completed in August. The conversion is projected to save about 3.5 million gallons of water and $15,000 in water costs annually.

The campus, with 35,000 students, consumes about 200 million gallons of water each year, about 50% of it used to irrigate lawns and athletic fields. The campus is also studying how to use reclaimed water in place of potable water, said David Salazar, associate vice president of physical planning and facilities.

Meanwhile, a wide variety of college classes are incorporating instruction on environmental impacts. In a green chemistry class at Cal State Fullerton. students are asked to calculate their carbon and water footprint, to collect their trash for 48 hours to illustrate how much is thrown away and develop more environmentally friendly products, said professor and interim librarian Scott Hewitt, who spoke recently at a campus symposium. The school offers a master’s degree in environmental studies and is considering developing an undergraduate minor in sustainability, Hewitt said.

Efforts extend beyond the campus as well. Cal State campuses, for example, are working with local governments and water agencies to help low-income Central Valley communities develop conservation strategies.

Despite efforts such as these around the nation, some experts contend that even more far-reaching measures are needed that will require greater investment.

Unfortunately, many educational institutions are more risk-averse than corporations; they’re progressive in terms ideas but conservative in terms of their ability to change business as usual and consider the long-term investment, said Wynn Calder, co-director of University Leaders for a Sustainable Future.

Funding is certainly an issue for California’s public colleges, which are still recovering from the loss of billions of dollars in state support during the recession.

Local water districts are collaborating with colleges to help sponsor some water reduction projects, but generally universities make use of the same conservation incentives that are available to the general public. There are few dedicated funds, for example, for retrofitting public buildings to lower water use, said Peter Brostrom, water use efficiency manager at the California Department of Water Resources.

The UC budget is stretched and state grant funding is often directed to water suppliers and there’s a lot of competition for that, Brostrom said. Right now, [the] lack of resources are constraining some of these needed improvements.

Less than a year ago, when California officials were beginning to realize the extent of the drought emergency. a water main break flooded parts of UCLA with 20 million gallons of water. A water-saving campaign at the Westwood campus reduced consumption by 9 million gallons in just the 15 complexes that house about 12,000 students, said Josh O’Connor, who organizes the student Team Green program, which places student leaders in dorms to encourage their peers to conserve.

Elsewhere on campus, replacing lawns with drought resistant landscaping is expected to save 4.9 million gallons annually, said Nurit Katz, the campus’ chief sustainability officer. The 419-acre campus also plans to replace seven acres of intramural fields with artificial turf, which will save an additional 6.4 million gallons annually.

It used to be that when lawns turned brown, complaints would follow. Now, an overly lush lawn invites questions, Katz said.

What’s tricky, Katz said, is that a lot green space is used for events or as respite for faculty, students and staff and can’t easily be replaced. The aesthetics of a campus, what draws students and their parents, is still that of verdant green — more an East Coast ideal than West Coast climate reality. But those attitudes too are changing.

Sidhaant Shah, 22, a chemical engineering and environmental science major, is among a group of students conducting environmental research on campus, such as how landscaping changes biodiversity.

When I first came to California a few years ago, there was a lot more green grass and snow, Shah said. In class, we see data showing the changes and then you see it in nature and you realize, yes, it’s getting worse.

About Graduate Study in Psychology #cal #state #la, #csula, #csu #los #angeles


Department of Psychology

About Graduate Study in Psychology

CaliforniaState University, Los Angeles

There are many different kinds of graduate training programs (for earning Master’s and Doctoral degrees) in Psychology. Some focus on training you to be a practitioner (therapist, counselor, school psychologist) who works in an applied setting (e.g. hospital, clinic, private practice, other service organization). Other programs focus on research and are designed to train you to be a college professor who teaches and conducts research in a university setting. Some professional research psychologists work outside of universities at private or public research institutions. Programs vary depending on whether they offer a Master’s or a Doctoral degree, and whether they are offered by a traditional academic institution or a “professional school.”


Ph.D. Programs in Psychology

The graduate training for ANY Ph.D. in Psychology (including Clinical or Counseling Ph.D.s) is based very heavily on research. All Ph.D. degrees (regardless of field) are about training you to become a researcher. Because most researchers work at universities (the main institutions that support such work), many Ph.D.s are college professors (including people with Ph.D.s in Clinical Psychology). Professors with Ph.D.s in Clinical Psychology do sometimes work directly with clients/patients, but many do not. If you don’t want to be a researcher and/or college professor, Ph.D. programs are not a good choice.

Ph.D. programs in psychology, especially Clinical Ph.D. programs, are EXTREMELY competitive; they can attract hundreds of applicants and often select only two or three. Clinical Ph.D. programs are mainly interested in people who want to become researchers, particularly programs at large public and private universities (e.g. all of the Universities of California ). Research will always be emphasized over practice in such programs. So, if you are not interested in doing research as a career, then Ph.D. programs are probably not the route you want to go.

Typically, Ph.D. programs (in any field of Psychology) require GRE scores that are at the very least 1100. They prefer applicants who have research experience (work done directly with a faculty member who is conducting empirical research). For Clinical/Counseling Ph.D. programs in Psychology, applied work (in a mental health, social service, educational setting) is also valued, but research experience is more strongly emphasized. If you do not have research experience, it is very unlikely that you would be accepted into a Ph.D. program. Ph.D. programs also require superior undergraduate grades; if your overall undergraduate GPA is under 3.5, it is unlikely that you would be accepted into a Ph.D. program in Psychology.

Professional School Doctoral Programs in Psychology

PsyD (Doctor of Psychology, as opposed to the Ph.D. Doctor of Philosophy) programs are growing in popularity. They are much less research focused, not designed to train you as a research professor, and much more applied (focused on teaching you to work with clients/patients). PsyD programs (like Argosy, Alliant, etc.) are very expensive because they are only offered by private “professional schools” (not traditional universities). These programs are less competitive than Ph.D. programs at universities, meaning they accept many more applicants each year.

There is a big difference between Ph.D. programs at large universities and PsyD programs offered at professional schools. Ph.D. programs at large universities involve research, even for Clinical Ph.D.s. These degrees are designed to train you as a scholar/researcher/professor. Students are likely to receive funding as a graduate student.

At professional schools, students pay very high tuition, and are trained as practitioners more than researchers (although all Ph.D.s require a dissertation, a research project). Ph.D.s from professional schools are about being a practitioner. Ph.D.s from professional schools are less valuable in attaining a tenure-track academic job (a tenured position as a college professor), but you may be able to teach part-time with such a degree. These degrees train you to be a clinician; they are well-regarded degrees in the clinical world. Ph.D.s from professional schools are very much like PsyDs.

Master’s Programs in Psychology at Cal State LA

The Master of Arts in Psychology (MA) . and the Master of Science in Forensic Psychology are research-based degrees that do not focus on clinical practice (and will not help you earn a therapist license). They require a thesis (a research project) and many courses in research methods and statistics. If you don’t want to be a college professor, these are not the degree programs for you. You may teach with an MA or similar degree at the community college, but such degrees are usually not sufficient for tenure-track (permanent) jobs as a college professor. The MA in Psychology is offered at many CSU campuses.

Additional Master’s Programs

Although we no longer offer these programs at Cal State LA, you can find similar programs at other CSU campuses. The MFT degree (Marriage, Family Therapy) is a Master’s degree that is designed to train you as a therapist/practitioner. It does not involve a thesis project but a comprehensive exam. It is designed to move you toward licensure as a practicing therapist. Other Master’s programs in other disciplines (e.g. Master’s of Science in Counseling. Master’s of Social Work or MSW ) are also designed to train/educate students as practitioners/counselors. If you want to be a therapist, all three are viable options. Master’s programs in School Psychology are also available. These Master’s programs are offered at many CSUs. The MS in ABA (Applied Behavior Analysis) is designed for students who plan to work as behavior analysts, specialists, or consultants with a Masters degree (often working with individuals with developmental and other disabilities, including autism), and for those who plan to pursue doctoral training in behavior analysis with the goal of being a college professor.

About Us #california #state #lemon #law


About Us

California Lemon Lawyers was founded in 2003 by Scott R. Kaufman. Dissatisfied with his past position at a profit-driven big firm, Mr. Kaufman left to start a law practice that is more like a “legal aid” type of setting which is genuinely dedicated to helping consumers, not just the bottom line. At any one time, California Lemon Lawyers is actively helping over 100 California consumers. The firm has been directly responsible for getting millions of dollars returned to California Consumers over the years. All attorneys are members of the prestigious National Association of Consumer Advocates. Mr. Kaufman is now the California co-chair for NACA and he regularly attends conferences to hone and his consumer advocate skills. Mr. Kaufman also teaches Mandatory Continuing Legal Education classes to other attorneys in the areas of lemon law and auto fraud, nationwide, in order to further the cause.

Why Choose California Lemon Lawyers?

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Free Evaluation and Consultation: When you contact California Lemon Lawyers you will be treated with courtesy and professionalism. Your case review is free of charge. This includes an initial consultation by phone, a review of all your documents, and a meeting in person, should you desire. IF we do not take your case, we will not turn you away with a “sorry, we can’t help you” like so many other firms. Instead, at no cost to you, we will likely give you guidance on what to do or where to look next.

Attorney’s Fees: California Lemon Lawyers works on a contingency fee basis. This means that if we are not getting a favorable result for you, we are not getting paid. If we do obtain a favorable settlement or judgment for you, the defendant will pay most, if not all, of our fees.

Results: California Lemon Lawyers knows that you need these problems resolved as quickly as possible. We are prepared to go all the way to trial if necessary, but we will also advise you to take an early settlement IF it is one that suits your individual needs.