New Study Reveals States With Lowest Auto Loan Rates #auto #transmission


#lowest auto loan rates
#

New Study Reveals States With Lowest Auto Loan Rates

Just the Facts:

  • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
  • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
  • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.


Most Expensive, Cheapest States for Car Insurance #auto #bill #of #sale #template


#auto insurance comparison
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About

It’s no secret that drivers in different states pay different rates, even when their driving records are very similar. Recently the website Insure.com did a comparison of state automobile insurance costs. identifying the priciest and cheapest states for car insurance.

The survey averaged coverages from six providers per state for a 40-year-old driver with a 12-mile commute to work. The quotes were for a yearly policy with $100,000 coverage for a single person, $300,000 for all injured and $50,000 for property damage.

  1. Michigan, $2,541
  2. Louisiana, $2,453
  3. Oklahoma, $2,197
  4. Montana, $2,190
  5. Washington, D.C. $2,146
  6. California, $1,991
  7. Mississippi, $1,896
  8. New Mexico, $1,896
  9. Arkansas, $1,836
  10. Maryland, $1,807
  11. North Dakota, $1,794
  12. Connecticut, $1,786
  13. Rhode Island, $1,747
  14. Wyoming, $1,714
  15. Hawaii, $1,707
  16. South Dakota, $1,707
  17. Georgia, $1,670
  18. New Jersey, $1,663
  19. West Virginia, $1,633
  20. Kentucky, $1,629
  21. New York, $1,627
  22. Minnesota, $1,614
  23. Washington, $1,584
  24. Missouri, $1,563
  25. Indiana, $1,518
  26. Colorado, $1,508
  27. Texas, $1,492
  28. Delaware, $1,489
  29. Florida, $1,476
  30. Nebraska, $1,470
  31. Pennsylvania, $1,468
  32. Kansas, $1,461
  33. Alaska, $1,454
  34. New Hampshire, $1,334
  35. Massachusetts, $1,328
  36. Idaho, $1,325
  37. Alabama, $1,306
  38. Oregon, $1,306
  39. Nevada, $1,300
  40. Illinois, $1,290
  41. Arizona, $1,280
  42. Utah, $1,272
  43. Virginia, $1,237
  44. Iowa, $1,179
  45. North Carolina, $1,154
  46. Ohio, $1,152
  47. Tennessee, $1,146
  48. Wisconsin, $1,128
  49. Maine, $1,126
  50. South Carolina, $1,095
  51. Vermont, $995

Why is there such a difference (255%) between the most and least expensive? According to Insure.com, the reasons are several.

The primary one, however, is uninsured motorists. In states with a lot of uninsured motorists, the insured must kick more money into the pool to cover accidents in which they are involved.

According to 2007 data compiled by the Insurance Research Council. the top states with uninsured motorists were:

  1. New Mexico, 29%
  2. Mississippi, 28%
  3. Alabama, 26%
  4. Oklahoma, 24%
  5. Florida, 23%

The states with the fewest uninsured drivers were:

  1. Massachusetts, 1%
  2. Maine, 4%
  3. North Dakota, 5%
  4. New York, 5%
  5. Vermont, 6%

The leading state in insurance premiums, Michigan, finished 10th with 17%. So why was it No. 1? For one reason, of all the states, only Michigan has no cap on personal injury protection payments to those hurt in a vehicle accident. A separate, not-for-profit, state-originated association picks up payments only after the insurance company has paid out almost half a million dollars in claims, in addition to three years of lost wages and damage replacement costs. Of course, all of these expenses are paid for with insurance premium dollars.

Insure’s report also suggests that the friendly climate for litigation in Louisiana helps drive up its premiums, while violent weather does the same for Oklahoma drivers.

At the other end of the spectrum, Vermont’s low premium is, according to one expert, a function of low traffic volume and “rural sensibilities.”

Concerned about the cost of car insurance? Then you might also consider which car you drive. It can make an even larger difference than where you drive it.


Auto Shows in the United States. Web Directory. #auto #dealer #license


#auto shows
#

Trade Shows, Exhibitions, Fairs and Festivals,

Trade Shows, Exhibitions, Fairs, Festivals and Conferences

  • Alabama International Auto Show

It is a dazzling spectacular featuring the model year domestic and import cars, light trucks and vans. Over 400 vehicles from 36 manufacturers covering 200,000 square feet.

[ Country: USA | City: Birmingham, AL | Industry: Automotive > Auto Shows | Dates: November, annual | Organizer: Birmingham Automobile Dealers Association | Site Language(s): English | URL: http://www.carsbirmingham.com]

  • 2001-Model Arizona International Auto Show

    Featuring the latest models, concept cars, exotics and alternative fuel vehicles, plus entertainment and celebrity appearances, a Liberty Auto Show is an experience you won’t want to miss.

    [ Country: USA | City: Phoenix, AZ | Industry: Automotive > Auto Shows | Dates: August, aAnnual | Organizer: Liberty Productions | Site Language(s): English | URL: http://www.autoshowusa.com/phoenix]

  • Greater Los Angeles Auto Show

    The Greater Los Angeles Auto Show is one of the largest new car shows in the United States. Consumers will see more than 1,000 new cars, trucks, minivans, sport utilities, concept cars, and alternative-fueled vehicles. The 2000 Show attracted over 1 Million people.

    [ Country: USA | City: Los Angeles, CA | Industry: Automotive > Auto Shows | Dates: January, annual | Organizer: Greater Los Angeles Motor Car Dealers Association | Site Language(s): English | URL: http://www.laautoshow.com]

  • San Diego International Auto Show

    Featuring the latest models, concept cars, exotics and alternative fuel vehicles, plus entertainment and celebrity appearances, a Liberty Auto Show is an experience you won’t want to miss.

    [ Country: USA | City: San Diego, CA | Industry: Automotive > Auto Shows | Dates: February, annual | Organizer: Liberty Productions | Site Language(s): English | URL: http://www.autoshowusa.com/sandiego/index.html]

  • San Francisco International Auto Show

    Featuring over 40 of the world’s top manufacturers displaying their 2001 model cars, vans, SUV’s and trucks. Close to 800 vehicles in all.

    [ Country: USA | City: San Francisco, CA | Industry: Automotive > Auto Shows | Dates: November, annual | Organizer: San Francisco Sunday Examiner and Chronicle | Site Language(s): English | URL: http://www.sfautoshow.com]

    Southern Connecticut Auto Show

    [ Country: USA | City: New Haven, CT | Industry: Automotive > Auto Shows | Dates: November, annual | Organizer: Greater Los Angeles Motor Car Dealers Association | Site Language(s): English | URL: http://www.autoexpo.com]

  • Washington, D.C. Auto Show

    [ Country: USA | City: New haven, CT | Industry: Automotive > Auto Shows | Dates: December – January, annual | Organizer: Washington Area New Auto Dealers Association | Site Language(s): English | URL: http://www.washingtonautoshow.com]

  • Central Florida International Auto Show

    Featuring the latest models, concept cars, exotics and alternative fuel vehicles, plus entertainment and celebrity appearances, a Liberty Auto Show is an experience you won’t want to miss.

    [ Country: USA | City: Orlando, FL | Industry: Automotive > Auto Shows | Dates: November, annual | Organizer: Liberty Productions | Site Language(s): English | URL: http://www.autoshowusa.com/orlando/index.html]

  • Jacksonville International New Car and Truck Show

    CATCH a sneak peak at some of the new 2001 model year vehicles including the Ford Sport Trac, Oldsmobile Aurora and Ford Explorer. Also see the new hybrids like Honda’s Insight. It’s 26 car lines under one roof, with dealer and factory representatives on hand to answer questions.

    [ Country: USA | City: Jacksonville, FL | Industry: Automotive > Auto Shows | Dates: March, annual | Site Language(s): English | URL: www.jaxautoshow.com/jacksonville/2feature3.htm]

  • South Florida International Auto Show

    [ Country: USA | City: Miami Beach, FL | Industry: Automotive > Auto Shows | Dates: October – November, annual | Organizer: South Florida Auto-Truck Dealers Association | Site Language(s): English | URL: http://www.sfliautoshow.com]

  • Tampa Bay International Auto Show

    Featuring the latest models, concept cars, exotics and alternative fuel vehicles, plus entertainment and celebrity appearances, a Liberty Auto Show is an experience you won’t want to miss.

    [ Country: USA | City: Tampa, FL | Industry: Automotive > Auto Shows | Dates: November, annual | Organizer: Liberty Productions | Site Language(s): English | URL: http://www.autoshowusa.com/tampa/index.html]

  • Atlanta Journal-Constitution International Auto Show

    The Atlanta Journal-Constitution International Auto show is an annual showcase of the newest model year import and domestic vehicles — cars, vans, light trucks and sport utilities. Factory and dealer representatives from the 36 exhibiting car lines are on hand to answer questions. There are cars to suit every budget and life style in this largest car-selling event of the year for auto dealers.

    [ Country: USA | City: Atlanta, GA | Industry: Automotive > Auto Shows | Dates: March, annual | Site Language(s): English | URL: http://www.ajcautoshow.com]

  • First Hawaiian International Auto Show

    Featuring the latest models, concept cars, exotics and alternative fuel vehicles, plus entertainment and celebrity appearances, a Liberty Auto Show is an experience you won’t want to miss.

    [ Country: USA | City: Honolulu, HI | Industry: Automotive > Auto Shows | Dates: April, annual | Organizer: Liberty Productions | Site Language(s): English | URL: http://www.autoshowusa.com/honolulu/index.html]

  • Chicago Auto Show

    The nation’s largest auto show in the 840,000 sq. ft. McCormick Place South building. Multiple world and North American introductions. Complete range of domestic and imported passenger cars and trucks; sport utility vehicles, experimental and concept cars. In total, nearly 1,000 different vehicles. Numerous accessories and auto-related exhibits, competition vehicles, antique and collector cars.

    [ Country: USA | City: Chicago, IL | Industry: Automotive > Auto Shows | Dates: February, annual | Organizer: Chicago Automobile Trade Association | Site Language(s): English | URL: http://www.chicagoautoshow.com]


  • New Study Reveals States With Lowest Auto Loan Rates #auto #detailing #prices


    #lowest auto loan rates
    #

    New Study Reveals States With Lowest Auto Loan Rates

    Just the Facts:

    • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
    • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
    • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

    LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

    The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

    GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

    Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

    Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

    The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

    Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

    As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

    In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

    But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

    Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.


    Military Veteran Jobs – 911 GI Bill Benefits #government #jobs, #military #school, #federal #jobs, #military #loans, #military #education, #us #military, #veterans #jobs, #help #for #veterans, #jobs #for #veterans, #gi #bill, #montgomery #gi #bill, #veteran #travel, #federal #government #jobs, #military #gi #bill, #united #states #armed #forces #


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    MILITARY VETERAN jobs. Schools, and Post 911 Gi BILL Benefits Veteran Directory

    The information you find here can help you to successfully transition into the next phase of your lives. You might not be 100 percent up-to-speed on the benefits and opportunities available for former military Veterans, military spouses and families, but we are, and we are here to share them with you. The United States military turns out men and women with so much to offer, and our online directory makes for a wonderful resource in matching Veterans with federal jobs, schools, military loans and much, much more.

    For more information, click on any one of our links or

    As one of the nation’s leading pediatric healthcare systems, Nemours is committed to providing all children with their best chance to grow up healthy. Nemours offers integrated, family-centered care to more than 280,000 children each year in their pediatric hospitals, specialty clinics and primary care practices in Delaware, Florida, Maryland, New Jersey and Pennsylvania.

    To learn more about Nemours and view current opportunities, click here.

    Armed Forces Vacation Club is proud to offer access to affordable 7-night resort vacation stays in destinations around the world to military members. Join today – membership is free!

    AFVC is open to active duty, guard, reserve, and retired members of the Armed Forces as well as civilian employees of the DOD. Forget cramped quarters. Spread out in family-sized resort accommodations, many of which include a living room, kitchen and more!

    Resources

    Schools

    Not every school fits every person, so it is imperative that you find one that meets your needs. We are pleased to offer multiple resources that will assist you in making an informed decision regarding your educational needs.

    VA and Military Loans

    Those who have served, past and present, should make informed decisions when it comes to borrowing money. Your military service entitles you to a number of benefits, among them the ability to purchase a home while taking advantage of the VA’s no-down payment home loan program.

    Jobs

    Employers throughout the country and around the world value your military service for reasons you already know- those who serve learn quickly, know technology, understand teamwork, and have a work ethic second to none. We are the liaison between employers and world-class job seekers.

    Recognition

    If you’re a Veteran friendly school that goes above and beyond for your Veteran students, you could be deserving of recognition for doing so.


    EU considers introducing visas for US travellers #europe,north #america,travel,travel,brussels,united #states,travel #news


    #

    EU considers end to visa-free travel for visiting Americans

    12 April 2016 • 1:00pm

    B russels is poised to force US nationals to apply for visas for travel to Europe, in response to Washington refusing to allow all Europeans to travel to the States visa-free.

    The European Commission on Tuesday considered whether Americans crossing the Atlantic should require additional travel documents. a move motivated by the stricter regulations the US imposes on some European citizens.

    A spokesperson for the European Commission said it is now urging the European Parliament and Council to urgently launch discussions and to take a position on the most appropriate way forward , given the non-reciprocity in visa requirements.

    Visas are generally seen as negative by potential visitors

    While the majority of EU citizens are able to travel to the US without a visa, under the Visa-Waiver Program (VWP), Washington imposes different rules on visitors from some central and eastern European member states, including Poland, Croatia, Cyprus, Bulgaria and Romania.

    Incidentally, Canada also requires travellers from Romania and Bulgaria to apply for a visa. Brunei is also considered by the EU to offer non-reciprocity.

    In 2014 Brussels asked its American counterparts to broaden its VWP within two years to include those countries, but to no avail. And now, it is looking to impose its own bureaucracy on the States.

    “The deadline concerns the needs for the college [of commissioners] to take stock of the situation,” the FT quoted a spokesperson for the European Commission. “It will discuss the economic impact, the political impact and the impact on external relations with these counties. Then they will discuss the next possible steps.”

    The need to apply for a visa to travel to a country is widely seen as a turn-off to potential visitors, given the extra cost and time an application requires. A country looking to boost its tourism industry will often look at loosening any existing visa requirements.

    Travellers arrive at an US airport Credit: 2002 Getty Images/Joe Raedle

    The EU strives for a common visa policy, which, for example, asks for visitors from India, China or Russia to obtain a visa before travelling, but not those from America, Canada or Australia. Britain and Ireland have opt-outs of the EU’s visa policy.

    A final say on suspending the US’s membership to the VWP would be had by individual states and the European parliament.

    Dimitris Avramopoulos, home affairs, migration and citizenship commissioner, said: Visa reciprocity is a fundamental element of the EU’s common visa policy. EU citizens rightly expect to travel without a visa to any third country whose citizens can enter the Schengen area visa-free.

    Today, the Commission has assessed the legal, political and economic consequences of a possible temporary suspension of the visa waiver for the US, Canada and Brunei and has asked for positions on the way forward from the European Parliament and Council.

    The US further tested the EU’s patience earlier this year when it introduced rules meaning any EU national who had travelled to Iran, Iraq, Sudan or Syria in the last five years would not be able to enter the US under the VWP. This is despite the US trying to improve the arrival experience at American airports, and increase its visitor count to 100 million in five years .

    A Europe-wide travel alert is currently in place at the US State Department warning visitors of a terror threat.


    David E #experience #dui #defense #attorney, #utah #dui #law #penalties, #best #utah #dui #defense #lawyer, #utah #dui #defense #attorney, #dui #utah #lawyer, #charged #with #dui, #utah #dui #lawyer, #utah #dui #driver #license #penalties,first #offense #dui #in #utah,dui #felony #utah, #impaired #driving #vs #dui #utah, #dui #utah #license #suspension, #utah #dui #sentencing #matrix, #utah #dui #statute, #utah #dui #records, #what #is #the #legal #bac #in #most #states, #dui #arrests #in #utah


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    Utah DUI Defense Attorney

    Why Choose David Rosenbloom?

    • I exclusively defend DUI cases throughout Utah.
    • A member of the National College For DUI Defense Attorneys. Experienced, Dedicated and Successful Lawyer.
    • We thoroughly and aggressively investigate cases, from the moment we are hired, to build the best possible defense.
    • NEVER Plead Guilty Without A Competent DUI Attorney Evaluating Your Case First.

    A DUI Defense How A Utah DUI Works: Arrested for DUI? Do you feel that your life is over? Learn the Three Part Defense: Know The Three (3) Parts To Any DUI FIRST: Was There A Legal Reason To Stop You? If NO then the case can be won using the 4th

    The “Hidden” DUI Law in Utah You Do Not Understand The Law Regarding Driving Under the Influence in Utah THE RULE: Actual Physical Control (APC) Of A “Vehicle” + “Impairment” = DUI VEHICLE: Means any device upon which a person may be drawn or transported

    The Fourth Amendment And Suppression The Number One Way To Win Your DUI Case. If you feel you were stopped for a bogus reason, especially late at night, you may have been stopped illegally and, as a result, ALL the evidence collected by the officer – no


    Age Restricted Apartments Senior Resource Senior Apartments #apartments, #rentals, #apartment, #senior #living, #affordable, #low #income #housing, #age #restricted #apartments, #housing, #real #estate, #seniors, #aging, #health, #medical, #retirement, #insurance, #finance, #financial #planning, #interim #skilled #nursing, #55+, #62+, #affordable #housing,care #homes, #health #care, #communities, #voucher,home #care, #55+, #62+, #handicapped, #subsidized #apartments, #affordable #apartments, #aarp, #states, #


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    What is the age for “senior” apartments?

    Senior age-restricted apartments are usually 55 or 62+ and follow HUD regulations which allow for such “age discrimination”. If restirctions are 55+, at least one person in the apartment must be at least 55 and the apartment community must have no more than 20% of all residents under the age of 55. If they are 62+, than ALL residents must be at least 62.

    Exceptions are made by HUD regulations for renters who are under the minimum age, if they are handicapped.

    Who are renters?

    There are those among the senior rental population who have been renters through their most or all of their adult life. Other renters have sold a home of many years and moved to an apartment. Sometimes a life occurance forces the shift from homeowner to renter:

  • A divorce and the need to divide the equity.
  • The financial inability to continue making payments and keeping up the property.
  • Death or relocation of friends and relatives and the desire to relocate to an area where there will again be an emotional or social support-network.
  • Selling a home to free up equity that can be invested to generate interest and/or dividend income.
  • Desire to be free from home and garden maintenance.
  • Freedom to travel more without the worry of what is happening to property back home.

    Combining those who have always rented with those who sell homes to become renters 23% of 65+ Americans are renters.

    In 1992 AARP research found that 43% of seniors moving to an apartment complex, prefered age-restricted apartment buildings over age-integrated ones.

    Considering becoming a renter because life’s changing circumstances make it difficult to meet your financial obligations?
    If your home is paid off, or almost so a Reverse Mortgage may provide another alternative to selling your home.

    The majority of senior apartment renters do not move further than 5-10 miles from their former home or apartment, unless relocating to be closer to relatives.

    “Thank you for your answer to my age restriction question
    on senior communities. It was complete and clear”.
    Thank you, Mac

    Categories of Sen ior Apartments

    The three pricing categories of apartments (although all may not be available in any one market) are:

  • Market rate
  • Above market rate, luxury rentals
  • Affordable

    Market rate is just that. They offer unit size and numbers of bedrooms and baths as non-age-restricted rentals in the area at a competitive monthly rate, or occasionally 10-15% under general age-occupancy market-rate rents. The senior orientation of the age restricted community may however offer different amenities and other advantages geared to the needs and preferences of seniors.

    Above market rate, luxury rentals also serve the age-restricted market. They appealing to the affluent senior wanting a “home” in a second city, or wanting to be free of maintenance without giving up luxuries. Some high end age-restricted properties definitely offer “snob” appeal.

    Affordable apartments for seniors (sometimes 55+, more often 62+) are in high demand and short supply. Social, cultural and medical changes have certainly contributed to the need.

    Contributing factors are:

  • Predominence of women among the 65+ population and their lower retirement income
  • High divorce rates among women now 55-80
  • Out-living husbands resulting in lowered retirement income
  • Unplanned longevity leading to out-living ones financial resources

    Per HUD ( U.S. Department of Housing and Urban Development ) Families who pay more than 30 percent of their income for housing are considered cost burdened and may have difficulty affording necessities such as food, clothing, transportation and medical care. An estimated 12 million renter and homeowner households now pay more than 50 percent of their annual incomes for housing. A family with one full-time worker earning the minimum wage cannot afford the local fair-market rent for a two-bedroom apartment anywhere in the United States .

    Affordable apartments have been created by government programs since the 1930s. What is defined as affordable in one community may not match the definition of affordable in another community.

  • Programs that provide opportunites for affordable housing are structured or defined by regulations from federal, county or city government legislation.
  • “Vouchers” enable a qualified recipient to rent a market-rate home or apartment and the voucher assures the landlord that the renter will pay 30 percent of his or her monthly income toward the rent and the difference between that portion and the market-rate rent will come from the government entity granting the voucher.
  • Bonds may be through city or county redevelopment programs, and use the money raised from the bond sale to fund and subsidize specific development of housing for “lower” income people. Bonds may specify what percent of the median income someone must have to qualify to rent in their building. i.e.You may be restricted to make no more than 50 percent of the median income in the county. Perhaps the funding of the complex specifies that you can make no more than 120 percent of median income. The funding is specifically tied to the complex, or specific units that are “affordable”.
  • Funding can also come from grants, community, government or federally based. The grant money functions similarly to bond money, designating percent of county median income at the time of the grant.
  • Tax credits are another way that the federal government may encourage development of affordable housing. By awarding tax credits (money deducted from a company’s federal tax obligation) in exchange for developing apartments within restrictive guidelines. In the past many years we see properties developed to offer affordable apartments that combine tax credits, grants and bond measures.

    The most commonly-known rental vouchers are Section 8 vouchers which can provide renter-based benefits to a qualified renter. They provide rent subsidies so tenants who hold them do not pay more than 30 percent of their adjusted gross income for rent.

    To find out about affordable housing opportunities in an area. contact city or county housing agencies. Local senior centers and Area Agencies on Aging may also be able to identify affordable housing or even outline the steps for getting onto waiting lists. Because of undersupply, waiting lists prevail in almost all regions for affordable rentals.

    Things to Consider When Apartment Shoppsing

  • Parking convenience to the living unit.
  • Lighting and security around parking.
  • Storage
  • Are there a lot of closets and cupboards?
  • Is their common storage for an additional fee?
  • Stairs may be a deterent or a means of staying fit.
  • Distance to shopping – walking or riding.
  • Public transportation availability and convenience.
  • Distance to medical facilities and doctors.
  • Security.
  • Total complex access from external streets.
  • Individual apartments
  • Intercom to front door, apartment entry and front desk.
  • Safety pull cord in unit.
  • Grab bars in bathroom and tub area.
  • Cabinet and counter height.
  • Shower and/or tub arrangements to meet your present and future needs.
  • Management quality and experience.
  • Ammenities on site:
  • Pool.
  • Spa.
  • Clubhouse.
  • Laundry availability.
  • Services and activities available or provided.
  • Distance to relatives.
  • Greater community cultural activities.
  • If you are eligible for subsidies, do they accept rent vouchers?

  • Driving in Canada – Ottawa, Canada – Embassy of the United States #auto #diagnostic #tools


    #auto insurance canada
    #

    Traffic Safety and Road Conditions

    Driving in Canada is similar to driving in the U.S. – with a few differences:

    • Distances and speeds are posted in metric units. 100 kilometers equals 62 miles.
    • The maximum speed limit in Canada is 50km/hr in cities, 80km/hr on highways, and 100 km/hr on rural highways.
    • Some signs, particularly in Qu bec, may be in French.
    • U.S. driver’s licenses are valid in Canada.
    • Proof of auto insurance is required. U.S. auto insurance is accepted as long as an individual is a tourist in Canada.
    • Seat belt use is mandatory for all passengers.
    • Child car seats must be used for children under 40 pounds.
    • Some provinces require drivers to keep their headlights on during the day.
    • Motorcycles cannot share a lane, and safety helmets for drivers and passengers are mandatory.
    • On the Island of Montr al, it is illegal to turn right on a red light. The rest of Qu bec had similar restrictions, but these were rescinded in 2003 .
    • At intersections, directional signs will indicate only which turn is allowed; any other turn is prohibited.
    • Many highways do not have merge lanes for entering traffic.
    • Rapid lane-changes without signaling, and tailgating are common.
    • Emergency vehicles frequently enter the oncoming traffic lane to avoid congestion.
    • As in the United States, all emergency assistance in Canada can be reached by dialing 911.

    Drivers should be aware that the frequency with which motorists run red lights is a serious concern throughout Canada, and motorists are advised to hesitate before proceeding on green.

    Travelers should be cautious of deer, elk and moose while driving at night in rural areas.

    Travel along Highway 401 between London and Windsor, Ontario has been the scene of several traffic accidents due to the road condition, sudden and unpredictable fog, and heavy truck traffic. This was the site of a 70-car collision in 1999 that claimed the lives of three American citizens.

    Winter travel can be dangerous due to heavy snowfalls and ice that make road conditions hazardous. Some roads and bridges are subject to periodic closings during winter. The Canadian Automobile Association has tips for winter driving in Canada.

    Drunk Driving

    Driving under the influence of alcohol (DUI) is a serious offense. Penalties are heavy, and any prior conviction (no matter how long ago or how minor the infraction) is cause for exclusion from Canada. A waiver of exclusion may be issued by a Canadian consulate in the United States. but several weeks are required. There is a processing fee for the waiver.

    Automobile Radar Detectors

    Radar detection devices are illegal in Canada. In some provinces, including Ontario, Qu bec and Manitoba, simple possession of this device is prohibited even if it is not in use. Fines may run as high as CA$1000 and the device will be confiscated.

    Crime

    Visitors to large cities should be aware that parked cars are regularly targeted for opportunistic smash-and-grab thefts, and they are cautioned to avoid leaving any possessions unattended in a vehicle, even in the trunk. Due to the high incidence of such crimes, motorists in Montr al and some other jurisdictions can be fined for leaving their car doors unlocked or for leaving valuables in view. Auto theft in Montr al, including theft of motor homes and recreational vehicles, may occur in patrolled and overtly secure parking lots and decks.


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    Import Auto to the US

    Can Am Auto Importers is a Registered Importer with the U.S. Department of Transportation. Can Am bonds and certifies vehicles imported into the U.S. so they can be legally sold and registered. Choose Can Am Auto Importers to import your auto, car, truck, van, SUV, exotic car, vintage car, classic car, tractor trailers or other vehicles to the United States

    Can Am Auto Importers takes the stress and the worry out of importing vehicles into the U.S. Can Am makes sure that everything is in compliance. From air bags (passive safety restraints), to open safety recalls, to EPA compliance, Can Am oversees every aspect of the importation to make sure the importation is in compliance with U.S. Customs and Border Protection, U.S. Department of Transportation, and U.S. Environmental Protection Agency requirements.

    As full service importers and exporters, Can Am provides:

    • U.S. Customs Brokerage Release and Entry Service.
    • Registered Import Services (When Required).
    • Vehicle Transportation into the U.S.
    • Vehicle Storage via our facility in Buffalo, NY.

    Learn more about importing autos to the United States .

    Import Auto to Canada

    When you need to import your auto, car, truck, van, SUV, exotic car, vintage car, classic car, tractor trailers or other vehicles to Canada, choose Can Am Auto Imports.

    Part of the import and export process is knowing how to properly and legally import or export a vehicle. Can Am Auto Importers has provided top-notch import and export services since 1994. During that time Can Am has handled the import and export of over 15,000 vehicles. Can Am Auto Importers knows what it takes to get the job done right the first time.

    • U.S. Customs 72 hour Export Prior Notice Title Submission Service.
    • Vehicle Storage Staging Prior to Export.
    • Canadian Customs Brokerage Release and Entry Service.
    • Canadian Registrar of Imported Vehicles (RIV) Form 1 Preparation, Submission and Processing.
    • Vehicle Transportation into Canada.
    • Complete Auto Import/Export Consultation and Document Services.

    Customs Brokerage and Shipping Services

    Can Am does much more than importing autos to Canada and importing cars to the USA. Can Am Import Group helps companies hire a Customs Broker. Most Customs Brokers want high volume shippers; they turn away low volume shippers. We do just the opposite.