Rollover IRA, Millennium Trust Company, rollover time limit.

#Rollover #time #limit


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take control of your retirement savings

We are excited to welcome you as a new Millennium Trust client. We are a leading provider of Individual Retirement Accounts and today custody over 500,000 IRAs. Your former employer where you had a company-sponsored retirement account, selected us as your successor custodian and chose to roll over your retirement account to a Millennium Trust Individual Retirement Account (IRA) on your behalf.

Your funds are currently invested in a FDIC-insured Cash Sweep Program and ready for you to take control of at your earliest convenience. These savings are in a tax-deferred account and you must simply verify your identity with Millennium Trust in order to claim your account.

Rollover time limit

Identity Verification

As a financial institution, we are responsible for verifying your identification. This is for your protection and to ensure the money in your account is going to the correct person.

A life event may have changed your personal information from the last time you updated your account to now. The most common life events include: Moving, Marriage and Divorce. To reconcile the change, we typically require additional documentation, which can include a copy of your driver’s license, recent utility bill, marriage or divorce certificate.

What are my options?

You can choose to keep your Millennium Trust account with us or move the money elsewhere. It’s important to note that any outgoing money requests – including transfers or distributions – require that we verify your identity prior to processing.

  • Rollover time limit
Take control of your IRA

  • Rollover time limit

    Add Funds

  • Rollover time limit

    Start Investing

  • Rollover time limit

    Move your money elsewhere

    If you would like to keep your IRA with Millennium Trust, please complete the online Account Agreement. At this time you can update personal information, add funds and obtain online account access.

    There are four easy ways to add funds to your Millennium Trust IRA – IRA Transfers, IRA Indirect and Direct Rollovers, and Contributions.

    IRA transfers are the most common funding method for a new or existing IRA. A transfer is the movement of IRA assets directly from one trustee or IRA custodian to another. In IRAs, these types of transfers are unlimited since funds are transferred from one institution to another. The transaction is not reported to the IRS as a distribution.

    IRA Indirect Rollovers (60-day Rollovers)

    A rollover begins with a distribution from a retirement or qualified plan, followed by a re-contribution of all, or a portion of, the assets to another retirement or qualified plan. The rollover transaction must be completed within a 60-day period or the assets’ eligibility to be returned to a tax-advantaged account is lost. The distribution will then be taxed as ordinary income in the year it was received, and if the individual that received the distribution is under age 59½, the IRS will impose a 10% penalty on the distribution, subject to certain exceptions. It is important for retirement plan owners to take extra precaution that the transaction is completed on a timely basis, as all transactions are reported to the IRS. If the IRS does not receive confirmation of re-contribution within the 60-day period, it will assume the transaction is a distribution, and, therefore, taxable. In some cases, rollovers are not permitted, including the following:

    • IRA owners may not complete more than one rollover within a 12-month period regardless of how many IRAs they own;
    • Rollovers from a SIMPLE IRA plan to a Traditional IRA during the first two years of a SIMPLE IRA’s plan participation;
    • After age 70½, IRA or qualified plan rollover amounts that represent a taxpayer’s required minimum distribution for that year; and,
    • Rollover from a Roth IRA to a Traditional IRA or qualified plan.

    Unlike an indirect rollover, a “direct” rollover always originates with assets in a qualified plan or IRA and involves movement to an IRA or another employer’s qualified plan. At no time are the assets cashable or negotiable by the taxpayer. Also, while direct rollovers are reported to the IRS as distributions, a special code on the distribution report indicates the funds were transferred in a direct rollover to an IRA or employer plan and are, therefore, not taxable. We encourage IRA owners to consult with a tax advisor regarding these limitations before initiating a transaction.

    To view the IRS Rollover Chart, please click on the button below.

    IRAs are available to anyone who receives taxable compensation. For IRA contribution purposes, compensation includes wages, salaries, fees, tips, bonuses, commissions, taxable alimony and separate maintenance payments. Married couples are each eligible to have an IRA, even if one spouse is not working. One spouse’s annual contribution is limited to the lesser of total taxable compensation or to the yearly amount shown in the following tables. Participants age 50 or older may make an additional “catch-up” IRA contribution in the amounts indicated in the tables below.

    There are no minimum or required IRA contribution amounts, and all earnings on the amounts in a Traditional IRA are not taxed until withdrawn. In the case of Roth IRAs, withdrawals may be made on a tax-free basis provided certain conditions are met.


  • GPS Tracking Devices – GPS Trackers

    #gps #tracking, #gps #trackers, #gps #tracking #device, #gps #tracking #systems, #real #time #gps #tracking, #live #gps #tracking, #fleet #tracking, #vehicle #and #asset #tracking #


    #

    GPS Tracking – Tracking Systems

    LiveView GPS tracking can help you affordably manage your company’s vehicles, protect business and personal property, monitor/locate your assets, even keep a vigilant watch over a teen driver. We provide our clients with reliable and effective cutting edge GPS trackers and systems, which thousands of businesses, consumers, government and law enforcement agencies trust.

    Our comprehensive family of cost-effective tracking solutions utilizes some of the most advanced GPS tracking technologies available to keep you in touch, without interruption. Web management interfaces are easy to use, high-resolution image mapping is standard, and built-in features include live & real-time position updates, instant alert notifications, historical playback, customizable reporting and more.

    For those who need tracking systems which are able to provide detailed reports, accurate position updates, effective results and more, our GPS tracking systems are the ideal solution.

    Live And Real-Time GPS Tracking Systems

    Each LiveView GPS tracking device is designed and tested to work right out of the box, from one of our powerful back-end web based GPS platforms. All of our GPS tracking devices are government and network certified, laboratory tested – no additional software is required.

    Whether your needs are consumer or commercial based, personal or business related – our GPS devices are a cost-effective solution. With our GPS vehicle tracking devices you’ll receive exceptional value and unparalleled service.

    GPS Tracking For Business Vehicles & Assets

    Live Vehicle Tracking System For Business Use. Live Vehicle Fleet Tracking: Live Trac® GPS Tracking Platform.

    Live GPS Vehicle Tracking with 5 or 10 second position updates! See current vehicle data: speed, direction of travel, ignition status, watch your vehicles move on your screen turn by turn. 90 day comprehensive historical playback, start/stop reporting, idle times, speed, zone alerts, idle alerts, maintenance alerts and more.

    Live Trac® Vehicle Tracking Systems:

    Portable Live GPS Trackers: PT-10 Series

    Use Your Apple iPhone, iPad, or Android, Blackberry, Kindle, Or Any MOBILE DEVICE TO TRACK ANY LIVE TRAC DEVICE! Also available, is a dedicated iOS/Android app available for use with our Live Trac platform.

    Real-Time GPS System For Business Use. The Fleet Tracker Tracking Platform.

    The fleet tracker platform provides comprehensive real-time GPS tracking for businesses seeking powerful telematics monitoring at very affordable price with no contracts.

    Fleet Tracker OBD – plug and play, CDMA GPS tracker, passenger cars and light duty trucks manufactured after 1996.

    Fleet Tracker HW – hardwired, CDMA GPS tracker, can be used on all vehicles.

    Increase Business Productivity & Efficiency

    For business users small or large our enterprise level tracking interface is feature rich and extremely easy to use. You’ll receive comprehensive reports to more effectively manage your organization. Information that you will use to reduce and eliminate “hidden” expenses. Expenses and costs that will have a dollar for dollar impact to your bottom line. From asset tracking to GPS fleet tracking, we will provide you with definitive answers to efficiently and effectively manage your business.

    Acquire, Measure & Evaluate Employee Driving Behavior And Vehicle Operation Data, To Increase Productivity And Boost Profitability.

    LiveViewGPS sets itself apart from other GPS tracking companies by offering a selection of uniquely different back-end software systems. We’ve learned that one size does not fit all. Give us the opportunity to guide you to a LiveViewGPS tracking solution that fits your specific need whether its based on software or device features. We promise to provide you with value driven solutions that you can trust. Overview: GPS Fleet Tracking

    Hours Of Service – Electronic Logs

    Cost Effective, FMCSA Compliant and Simple To Use:

    GPS Equipment & Asset Tracking

    Affordable asset tracking for your powered and non-powered equipment. We can help you track the locations of your expensive job-site equipment for both management and billing purposes.

    Track engine run-time, and quickly schedule maintenance from the convenience of any web enabled computer. Our selection of gps asset trackers include both GSM and all satellite based solutions.

    GSM/Cellular Battery Powered Asset Tracker: Battery Asset Tracker
    GSM/Cellular Asset Tracker For Powered Equipment: Asset Tracking Powered Equipment
    GSM/Cellular Asset Tracker For Trailers: Asset Tracking For Trailers

    Theft Protection

    Protect Your assets. Portable GPS tracker with built-in alarm. Covertly monitor property, and valuable goods and cargo. Get tamper, temperature and vibration alerts, locate on demand for real-time location information – MobileLock

    GPS Tracking For Personal Use

    Alzheimer’s and at risk individuals, Monitor Your Teen Driver, Protect Your Family Members Who Drive, Recover Your Stolen Vehicle.

    Alzheimers, Wandering, Elderly & Children

    GPS Tracker locate on demand, includes 24/7/265 monitored call center – 2-way communication at the push of a button, take a look at MyShield Personal Emergency Response System.

    Family Cellphone Locate

    Locate Any Mobile Phone On Demand! No Software, Or App To Install: Mobile Phone Locate

    GPS Tracking Devices For Personal Vehicles:

    Covert GPS Tracking Devices

    Live Trac PT-10 – Battery Powered Live Covert GPS Tracker

    Protect any vehicle, your trailers, boats, motor homes, ATVs, and other mobile property from theft with our GPS Locator Alarm and phone notification.

    Parents Of Teen Drivers


    Is it time to sell your old car or truck? #used #auto #loan


    #how to sell your car
    #

    Is it time to sell your old car or truck? Here’s how to tell

    By: Margarette Burnette, May 09th 2014

    Each year you drive your old car is one more year you don’t have to worry about paying for a new one.

    Yet, with every turn of the odometer, you’re one mile closer to big repair and maintenance bills.

    At some point, it costs so much to keep your old ride on the road that you’d be better off investing all of the money you’re spending at the garage on a new car or truck. Our database of the best auto loan rates can help get you started.

    There’s no magical mileage threshold that tells you when it’s time to ditch your car. In fact, many of today’s vehicles routinely exceed 100,000 miles without experiencing major mechanical problems.

    But if you’re being hit with one repair bill after another, these 5 steps can help you decide if the time has come to ditch your old car or truck.

    Step 1. Find out what your car is worth.

    All smart decision-making starts with this.

    To find out what your car is worth, research it on an auto valuation site, such as Edmunds.com or Kelley Blue Book (kbb.com).

    You’ll be asked a few questions about the year, make and model of your car, the odometer reading and the condition it’s in, taking any repairs you’re planning to make into account.

    Those websites will provide you with three potential values for your car.

    The one you want to use is the trade-in value, which is the lowest of the three estimates.

    This is the amount you can expect to receive from a dealer if you include your current car in a deal to buy another car there.

    Let one of the best commuting cars of 2014 take the stress and worry out of those slogs to work, the supermarket and other daily destinations. They’re safe and economical but don’t scrimp on creature comforts, including automatic transmissions and air-conditioning. With prices starting at just over $19,000 and climbing to just under $31,000, we’re confident you’ll find the perfect ride.

    Step 2. Determine how much it will cost to keep it on the road.

    Ask your mechanic for a rundown of all the:

    • Big repairs that must be done right now to keep your vehicle running.
    • Additional repairs that can be postponed but need to be done over the next year.
    • Major maintenance that will come due during the next 12 months based on how many miles are on the car.

    We’re not talking about oil changes.

    We’re talking about the more costly work required as vehicles reach 60,000 to 100,000 miles — everything from changing the transmission fluid and coolant to replacing worn-out tires, brake pads and rotors, water pumps, suspension parts and timing belts.

    Check your owner’s manual for the manufacturer’s recommended maintenance schedule. If you don’t have the manual, any reputable shop can check the schedule for your car and tell you exactly what you’ll need to do and how much those repairs will cost.

    Postpone that work, and you’ll run a greater risk that your car will break down and stick you with an even bigger repair bill once you’ve been towed to the shop.

    Take the timing belt, for example. It connects the crankshaft to the camshaft and controls the opening and closing of the valves in your engine.

    Replacing a timing belt often costs $600 or more. But if you don’t do it, you can pretty much count on a worn-out timing belt breaking at some point, seriously damaging your engine.

    Then it would cost $2,000 or more to get it running again.

    Also, watch for two signs of big trouble:

    • Blue smoke out the tailpipe means you’re burning oil, which very likely indicates the oncoming need for an engine replacement. (A little white smoke until the engine warms up is OK.)
    • Slipping between gear changes means your automatic transmission is failing. (Slipping is where the engine revs up without any appreciable increase in speed.)

    Add up all of the repairs and maintenance you’ll need to do over the next year, and compare it to the trade-in value of your car.

    If you’ll have to spend more than the car is worth to keep it on the road for another year, then it makes financial sense to invest that money in a new ride.

    Step 4. Recalculate your costs using past repair bills.

    You aren’t finished if that comparison falls on the side of keeping your old car, especially if it’s not a decisive difference.

    Mechanics can’t look at your car and predict everything that’s likely to break over the next year, so maybe you didn’t have a list of estimated future repairs in Step 2.

    That doesn’t mean you’re not going to have any.

    Reliability guides, such as the ones from Consumer Reports. provide entire lists of problems that consistently plague almost every make and model as it ages.

    In fact, here’s a pretty tried-and-true rule of car ownership: The older your car gets, the more stuff breaks.

    Average cost of car loans

    Source: Interest.com weekly survey of major lenders from April 30, 2014.

    Locate All Hidden New Car Rebates – Incentives – Limited Time Offers #auto #parts #catalog


    #auto rebates
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    Locate All Hidden New Car Rebates Incentives Limited Time Offers

    News

      Make Your New Accent More Affordable with Hyundai Accent Rebates

    Hyundai vehicles are known for their fantastic build quality and low price. The new Hyundai Accent is set to redefine the standards of an affordable, economical and stylish small car. However, you can make your new car more affordable by finding the latest Hyundai Accent rebates. Request a Read more

  • Car Dealer Rebates Hit Highs During Summer Sales
    Vehicle rebates for new 2014 cars, trucks and SUVs are running rampant in July as automakers to their best to push out the 2014 models in favor of the 2015 models that are shipping soon. Local dealerships have had enormous success for the first half of 2014, and want Read more
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    VW incentives allow you to save money and pay less on your new Volkswagen. Simply request a FREE online price quote to instantly find: Updated VW incentives and cash rebate offers from certified USA VW dealers. The top local deals and the latest discount offers on new VW vehicles. Uncover hidden Read more
  • Use Dodge Avenger Rebates & Incentives in – Save Up to $3000 on a New Dodge
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  • Massachusetts Another State Offering EV Rebates
    If you are buying a new electric vehicle (EV) in Massachusetts, than a rebate may be available from the state. The rebate is worth up to $2500 if you purchase or lease an EV on or after today, Wednesday June 18th, 2014. Rebates are available on a first-come, Read more
  • Make Your New Accent More Affordable with Hyundai Accent Rebates

    Hyundai vehicles are known for their fantastic build quality and low price. The new Hyundai Accent is set to redefine the standards of an affordable, economical and stylish small car. However, you can make your new car more affordable by finding the latest Hyundai Accent rebates. Request a Read more

    • 5 Affordable New Cars for Summer

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  • Instant Subaru Rebates Save You Thousands of Dollars
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  • Rebates Driving Electric Vehicle Sales to Rise
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    We ve all been there. There’s something we’ve been eyeing for a long time, but it’s always been a bit out of our price range, then we see an ad on TV that it’s on sale. Into the car and to the mall we go, finding exactly what we’ve Read more
  • Rebates Are the Main Incentive for EV Buyers
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  • 5 Affordable New Cars for Summer

    If you’re like most Americans, we are budget conscious. An extra $50 or $100 per month makes a difference in our budgets, so saving as much as possible when we are purchasing a new car is very important. We have compiled a short list of 5 vehicles that Read more

  • Copyright 2015 CarDealerRebates.com. All rights reserved

    We value your privacy. The information you submit will be shared only with the car dealerships of your choice. This system is live and information is forwarded directly to dealers upon request completion. Our dealerships generally make contact within 72 hours of quote request. There is no obligation to buy and you may contact the dealer at any time to request mailing list removal.

    The best time to buy a new car #auto #show #detroit


    #buying a new car
    #

    Story Highlights

      Dealers have inventory they want to get rid of at the end of the year Rainy weather always good So is the end of the month

    While we don’t believe in timing the stock market, timing your big purchases in life can save you hundreds and sometimes thousands of dollars. That’s especially true if you’re in the market to buy a new car. If you’re patient, you can score a great deal on a new car.

    Buy at the end of the year

    Every dealer has annual quotas and there are bonuses for salespeople who meet certain annual figures. Take advantage of this. If you can wait, buy your new car in the last two weeks of December, when dealers are dying to beat their quotas. Annual sales bonuses are sometimes incentive enough for dealers to knock off up to $3,000 from the price.

    Dealers have the added incentive of clearing last year’s models to make way for the new year models. If you don’t need the latest and greatest, you can find a great deal on a car that’s only a few months old. Unless there’s a major redesign on the model you want, the small difference between this year’s and last year’s model isn’t as significant as the price difference.

    If you can’t wait until the end of the year

    Some buyers can’t wait until the end of the year. Don’t worry. There are opportune buying times year-round.

    End of the quarter/month: Just like at the end of the year, dealers get bonuses for reaching sales quotas each month and quarter. If you can find a dealer who’s just short of his goal, you’re bound to get a good deal if you negotiate. Start searching in the last week of the month.

    End of the model year: As I mentioned previously, dealers want to clear lot space for the new model year. New cars usually start shipping around late summer or early fall, but some models start their new year as early as spring. Do your research and find out when the new model is released.

    When no one else is shopping: You want to avoid going to dealers when they’ve got lots of buyers. Try not to go in the spring when the weather is starting to warm up and people just received their tax refunds. Avoid the weekends, too. Figure out what you want before, and go to the dealer on a rainy or snowy day. These days are typically slow for car dealers, and they’ll be more willing to work with you on price.

    Don’t buy before you know what you want

    Knowing exactly what you want, and more importantly what you won’t pay extra for, will help you when you’re sitting down to negotiate price with the salesman. If you saw a model on the lot that has everything you need and nothing you don’t, ask about it. If it’s unavailable, ask if there’s a similar model on the lot.

    Don’t pay extra for something you don’t want. If they don’t have a model that fits your bill, ask the salesperson if he can special order it for you. Be sure to ask how long it will take before you can see it. Chances are the salesperson will throw in the extras you don’t want for free just to make the sale that day.

    Hit the road

    The best time to buy a new car is when the dealer is willing to negotiate and you’ve got more leverage. But you have to be a good negotiator. Don’t be afraid to hit the road without a new car if the salesperson isn’t giving you the price you want. There are other dealers in town, and be sure to remind him of that fact. If you can get two dealers bidding against one another, they’ll negotiate for you.

    There’s always a car buyers’ market around the corner. Use that to your advantage to save thousands of dollars.

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    #

    Welcome to Philadelphia s top-ranked Erivan K. Haub School of Business. MBA Program. Our uniquely flexible graduate business program is focused on you and your career, combining strategic leadership skills with relevant functional expertise. By integrating creative thinking, effective communication, project management, and technology applications into a relevant business context, this program provides the foundation you need to effectively succeed and distinguish yourself in your field, your organization, and your industry.

    Click below to learn about our MBA Direct Admissions Program with Ursinus College.

    Saint Joseph s University offers you the flexibility of an evening program at our convenient Philadelphia Main Campus location. We also offer a Fully Online program with no residency requirement. You can choose to customize your schedule by blending online and on campus options. You can also expect the same tuition rate for on campus and online courses. What s more, our staff, faculty, and students are united in the Jesuit ideal of cura personalis, care for the whole person, and are dedicated to helping you succeed in the classroom as well as in life.

    The Haub School is AACSB-accredited in Business and Accounting less than 5% of business schools worldwide meet this dual standard of excellence.

    U.S.News World Report, Princeton Review, and Business Week have all ranked the Haub School as one of the nation s top graduate business schools.

    Saint Joseph’s University is one of only 142 schools nationwide with a Phi Beta Kappa chapter and AACSB business school accreditation, and has been recognized by Beta Gamma Sigma for five consecutive years with Outstanding Chapter Awards, including the 2010 Gold Chapter Award.

    Locate All Hidden New Car Rebates – Incentives – Limited Time Offers #used #cars #under #1000


    #auto rebates
    #

    Locate All Hidden New Car Rebates Incentives Limited Time Offers

    News

      Make Your New Accent More Affordable with Hyundai Accent Rebates

    Hyundai vehicles are known for their fantastic build quality and low price. The new Hyundai Accent is set to redefine the standards of an affordable, economical and stylish small car. However, you can make your new car more affordable by finding the latest Hyundai Accent rebates. Request a Read more

  • Car Dealer Rebates Hit Highs During Summer Sales
    Vehicle rebates for new 2014 cars, trucks and SUVs are running rampant in July as automakers to their best to push out the 2014 models in favor of the 2015 models that are shipping soon. Local dealerships have had enormous success for the first half of 2014, and want Read more
  • Discover the Latest VW Incentives to Get Great Savings on a New VW in –
    VW incentives allow you to save money and pay less on your new Volkswagen. Simply request a FREE online price quote to instantly find: Updated VW incentives and cash rebate offers from certified USA VW dealers. The top local deals and the latest discount offers on new VW vehicles. Uncover hidden Read more
  • Use Dodge Avenger Rebates & Incentives in – Save Up to $3000 on a New Dodge
    When money’s tight and everyone is struggling to stay within their budget, buying a new car may seem impossible. With money saving Dodge Avenger rebates and incentives, along with its already affordable price tag, driving a new Avenger doesn’t have to drain your wallet. Request a free, Read more
  • Massachusetts Another State Offering EV Rebates
    If you are buying a new electric vehicle (EV) in Massachusetts, than a rebate may be available from the state. The rebate is worth up to $2500 if you purchase or lease an EV on or after today, Wednesday June 18th, 2014. Rebates are available on a first-come, Read more
  • Make Your New Accent More Affordable with Hyundai Accent Rebates

    Hyundai vehicles are known for their fantastic build quality and low price. The new Hyundai Accent is set to redefine the standards of an affordable, economical and stylish small car. However, you can make your new car more affordable by finding the latest Hyundai Accent rebates. Request a Read more

    • 5 Affordable New Cars for Summer

    If you’re like most Americans, we are budget conscious. An extra $50 or $100 per month makes a difference in our budgets, so saving as much as possible when we are purchasing a new car is very important. We have compiled a short list of 5 vehicles that Read more

  • Instant Subaru Rebates Save You Thousands of Dollars
    Uncover Subaru incentives deals and limited time cash-back rebates search today! If you want to find the hottest Subaru rebates, incentive deals, and discount pricing on any Subaru model you have come to the right place. We have all the information you need to find Read more
  • Rebates Driving Electric Vehicle Sales to Rise
    By now you’ve seen a few on the street if you live anywhere near a city. Electric vehicle sales are soaring to new levels as more people are deciding to “go electric”. There have been more that 500,000 electric vehicles sold worldwide since 2010 and that trend has Read more
  • Locate Ford Buyer Incentives & Rebates That Could Save You Up to $2500+
    We ve all been there. There’s something we’ve been eyeing for a long time, but it’s always been a bit out of our price range, then we see an ad on TV that it’s on sale. Into the car and to the mall we go, finding exactly what we’ve Read more
  • Rebates Are the Main Incentive for EV Buyers
    California, the land of milk and honey, has quickly become the land of electric vehicles. California sells more EVs than the rest of the country combined, even though the trend is growing in other states with aggressive rebate programs to incentivize new EV buyers. The California Air Resource Read more
  • 5 Affordable New Cars for Summer

    If you’re like most Americans, we are budget conscious. An extra $50 or $100 per month makes a difference in our budgets, so saving as much as possible when we are purchasing a new car is very important. We have compiled a short list of 5 vehicles that Read more

  • Copyright 2015 CarDealerRebates.com. All rights reserved

    We value your privacy. The information you submit will be shared only with the car dealerships of your choice. This system is live and information is forwarded directly to dealers upon request completion. Our dealerships generally make contact within 72 hours of quote request. There is no obligation to buy and you may contact the dealer at any time to request mailing list removal.

    How to restore and recover an Oracle database to a – Point in Time – using an on-line backup #recover #database #until #time


    #

    How to restore and recover an Oracle database to a ‘Point in Time’ using an on-line backup

    How to restore and recover an Oracle database to a ‘Point in Time’ using an on-line backup

    Solution

    When restoring and recovering an Oracle database damaged by a user error or process failure, a very specific procedure must be followed.

    As an on-line backup of an open Oracle database is inconsistent or fuzzy, it is necessary to perform “Media Recovery” after physically restoring the lost data to disk in order to recover the consistency and relationship within the database at the time before the error occurred.

    Before the data and the database can be recovered and made consistent, all the backed up data files must be physically restored to disk. This restore must be performed from the MOST RECENT complete database backup set taken before the error or process failure occurred, and it must contain ALL the database data files including the control file and archived log files.

    The physical restore must be configured to “Restore over existing files”. If the database hasn’t already been put offline by the RDBMS start Server Manager. connect as i nternal and shut down the database with the abort option.
    Note. With the release of Oracle Database Server 9i . Server Manager and internal are no longer supported. Use SQL*Plus and connect sys as sysdba. See the Related Documents section at the bottom of this TechNote for this procedure.

    Restore all the data files contained in the backup to their original location

    After the data files have been restored to disk, they are inconsistent and to make the database consistent it must be recovered. The recover database command will start an Oracle process which will apply ( roll forward ) all transactions stored in the restored archived logs necessary to make the database consistent again . The recovery process must run up to a point that corresponds with the time just before the error occurred after which the log sequence must be reset to prevent any further system changes from being applied to the database. It is therefore necessary to use the recover until command. This will recover the database by applying archived transaction logs up until a point specified in the command. The recover database until command supports three clauses that will abort the recovery process at a specified point:

    • recover database until cancel recovers the database applying one log file at a time until the recovery process is manually canceled
    • recover database until time 'YYYY-MM-DD:HH24:MI:SS' recovers the database to a specified point in time
    • recover database until change scn recovers the database to a specified system change number ( SCN)

    The following example demonstrates using the recover database until command with the cancel clause.

    In the alert log ( SID ALRT.LOG, ) locate and note down the log sequence number of the last log archived before the error occurred. This will be needed to terminate the recovery at the desired point.

    Restart the database to a mounted but not open state:

    With the database mounted, run the recover database until cancel command from svrmgr:

    svrmgr: recover database until cancel;

    Before Oracle applies each archived log sequence, it will return a message similar to the following suggesting an archived log to apply and allowing the operator to either continue or cancel the recovery:

    ORA-00279: Change 36579 generated at time/date needed for thread 1

    ORA-00289: Suggestion. \Oracle_Home\Oradata\ SID \%SID%T00036579.ARC

    Press Return until the archived log sequence determined by examining the alert log ( SID ALRT LOG) is reached, at which point type cancel to stop further recovery. Oracle will return the following message:

    Media recovery canceled.

    Restart the database with the resetlogs clause. This is necessary in order to synchronize the log sequence up to the point of recovery and to prevent any further system changes made after that point to be applied. The following command will restart the database and reset the logs:

    svrmgr alter database open resetlogs;

    The database is now recovered. Because the redo log sequence has been reset, it is vital to immediately take a fresh full database backup.

    Clearwater Family Law #family #law, #marital #law, #property #distribution, #alimony, #child #support, #time #sharing, #child #custody, #divorce, #clearwater, #connie #r. #stephens, #p.a., #av #rated


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    Contact Us

    Property Distribution (Equitable)

    Courts generally divide and distribute marital property equally to each spouse. However, unequal distribution can be utilized under certain circumstances to provide equity between the parties. Your case will be presented so that your efforts and contributions are given their fair representation in order to create an equitable property distribution.

    Alimony / Child Support

    The purpose of periodic permanent alimony is not to divide future income or to establish financial equality between the parties. Alimony is used to cover needs. There are certain criteria used to establish needs which includes earning ability, age, health, education, duration of the marriage, standard of living and the value of the parties estate.

    Time Sharing (Child Custody)

    When parents litigate a custody dispute, the children often become the victims. The Florida Supreme Court has requested that attorneys shift their focus from litigation to utilizing more therapeutic approaches to resolving children’s issues. Mediation or other alternatives are used to resolve contact, timesharing and shared parental responsibility issues.

    Free Consultation Form

    Additional Services

    ATTORNEY PROFILE

    Connie R. Stephens

    With more than 26 years of experience with family law litigation and mediation, Connie R. Stephens brings substantive knowledge of emerging law and significant trial experience to the practice of family law in Florida. A skilled family law advocate, she is a zealous advocate in pursuit of her clients’ rights. Her knowledge of current and emerging legal issues has garnered her recognition in the legal community. She is a contributor to the The Rules Rule column of the Clearwater Bar Association (CBA)’s Res Ipsa Loquitur Newsletter.

    She is also the newsletter’s former editor. In the past, she has also served as Chair of the CBA’s Family Law Section, Bench Bar Conference Committee, and Oyster Roast. Ms. Stephens was an Executive Counsel Member of the Family Law Section of the Florida Bar and participated as a Chairperson, Co-Chair and Committee Member of the Continuing Legal Education (CLE) for over ten years. She has published articles in local and State bar news publications and has lectured on various topics related to family law. When she is not working, Connie spends time on a farm with her two dogs, Sadie the Baby and Boo the Monster in Florida and a residence in Lexington, Kentucky.

    Connie R. Stephens is a lawyer in good standing with the Florida Bar. She is licensed to practice in state, federal, and appellate courts throughout Florida and the United States.

    She has been admitted to the bar in Florida since 1989, in the U.S. District Court for the Southern District of Florida since 1989, in the U.S. District Court for the Middle District of Florida since 1992, and in the U.S. Court of Appeals for the Eleventh Circuit since 1995.

    Connie R. Stephens graduated with a Bachelor of Professional Studies degree from Barry University, summa cum laude, before attending Nova Southeastern University’s Shephard Broad Law Center, where she earned her Juris Doctor degree, with honors, in 1988.

    FOOTER NAVIGATION

    ATTORNEY DISCLAIMER

    LASIK & More, Premier Eye Care Group, lasik healing time.#Lasik #healing #time


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    LASIK More

    Lasik healing time

    LASIK More

    Freedom from glasses and contacts morning after morning after morning.

    Many people are looking for the freedom of better vision without glasses or contact lenses. Fortunately, there have been many advances in vision correction or refractive surgery that allow for just that. Imagine the independence of not wearing glasses. From the time you wake up, to your morning swim, to watching movies, to an evening run – life without glasses is a reality that is within reach. There are many procedures that can help make this vision a reality. Contact Premier Eye Care Group today for more information, and see what we can do for your eyes.

    Unique eyes, multiple eye conditions, diversified eye solutions.

    Premier Eye Care Group’s doctors are some of the best in multiple eye surgery solutions. We are LASIK experts and so much more. Premier Eye Care Group is beyond a single eye corrective solution. Some other LASIK centers may only perform LASIK, so that is what they usually recommend. However, that may not be the best solution for your eyes. Since Premier Eye Care Group has expert doctors in multiple solutions, we can help you find the correct solution. At Premier Eye Care Group, we will only recommend what we feel is the right solution for the best result.

    Think your eyes are beyond help? Some of Premier Eye Care Group’s state-of-the-art procedures can treat patients with severe myopia (nearsightedness) or hyperopia (farsightedness). This is an exciting time for patients who want vision correction surgery but thought they were beyond normal LASIK help. At Premier Eye Care, we are committed to providing the safest and best result for each individual patient. Everyone wants the best for their eyes – trust Premier Eye Care Group’s LASIK, PRK, ICL (Phakic IOL) and RLE eye doctor experts. The choice is clear!

    Premier LASIK, love at first sight.

    Premier Eye Care Group’s LASIK program was built by and is run by our eye doctors. We have an eye doctor on-site – before, during and after your surgery. Some LASIK chains have an eye doctor come in to perform scheduled procedures only. At those centers, many patients do not see their LASIK doctor until the time of surgery – and then never again. Premier Eye Care Group has eye doctors available after your surgery to answer any post-surgery questions.

    Premier PRK, an option outside of LASIK.

    PRK stands for photorefractive keratectomy and treats mild to moderate myopia, hyperopia, and astigmatism. PRK uses a cool beam of ultraviolet light to reshape the cornea. Unlike with LASIK, there is no flap in the cornea. There may be slightly longer healing time with PRK compared with LASIK. However, the results are also excellent, and PRK may be a more suitable option for patients with thinner corneas.

    Premier ICL (Phakic IOL), making the impossible possible.

    Have you been told that LASIK is not an option for your eye because of high levels of myopia? Premier’s ICL lens implant may be the solution you are looking for. The Visian ICL (implantable collamer lens) is a thin lens implanted inside the eye behind the pupil, between the iris and the natural lens. This procedure can correct higher levels of myopia (up to -16 diopters!) than LASIK or PRK. The eye’s natural lens is left in place, and there is no corneal laser or treatment. Premier Eye Care has the most experience with performing ICL surgery in the Harrisburg region!

    With Our New LenSx ® , ICL s Are Now Available For Our More Severe Near-sighted Patients

    Myopes or patients who are myopic, in laymen terms are near-sighted. Usually LASIK and PRK can only correct up to 8-9 Diopters safely. The ICL is an implantable collamer lens that can correct up to 15-16+ Diopters of myopia. It doesn t alter the corneal surface, it cause less dryness. Premier Eye Care Group have had some patients referred to them from other LASIK centers because they were not able to correct the patient with LASIK, because of the degree of correction or the patient wasn t a LASIK candidate. And we did their ICL or refractive lens exchange. We provide a lot of different refractive options customized for each individual patients need.

    How confident are we in this leading corrective eye surgery? One of our own eye doctors has trusted her eyes to Premier Eye Care Group’s IOL implant corrective procedure. Contact us today to find out if ICL is right for your eyes.

    Premier Eye Care Group offers a public service discount.

    Premier Eye Care Group offers a 20% discount to all firefighters, police officers, teachers and military personnel who receive LASIK by one of our physicians.

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    Free Stock Trading Tips, Stock Trading Formulas and Penny Stocks.
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    Level 2 Stock Quotes, Stock Charts and Most Active Stocks – For NASDAQ, NYSE and AMEX Stocks

    Level2 StockQuotes.com – Free Level 2 Stock Quotes, Stock Charts and Most Active Stocks – For AMEX, NASDAQ, and NYSE Stocks – Features level 2 quotes, live stock charts, stock market watch list and most active stocks for NASDAQ, NYSE and AMEX stocks. Keep track of your stocks with Level II Stock Quotes. Level 2 Stock Charts and Free Level 2 Quotes – stock trading tools for day-traders and stock market investors, with these trading tools to analyze your stocks you can make a better informed decision to buy or sell stocks.

    Get Penny Stock Quotes for the OTCBB or Pink Sheets stocks, penny stocks are stocks that have a stock market price of $5 dollars and under, but usually penny stocks are traded on the OTCBB, use the most active stocks section to find penny stocks.
    Markets: Keep track of the Futures Trading Markets . gold futures market and oil futures market, check the Forex Trading markets for GOLD and SILVER Dollar Rates.

    How to use Candlestick Stock Charts – Level II Stock Quotes – Most Active Stocks – More Info:

    Compared to traditional bar charts: Many traders consider candlestick charts more complete, visually appealing and easier to interpret. Each of the candlesticks provides a view into the stocks movement and price. With candlestick charting a trader can see immediately what has happened and compare the open and close as well as the high and low of the trade.
    For more information about candlestick charts: See our Candlestick Chart Patterns section.
    Day-Trading Tips – A formula that works with any Stock: A stock trading formula to determine the shortest support and resistance.
    Level II Type Stock Quotes, Stock Charts and Most Active Stocks For – NASDAQ, NYSE, AMEX and OTCBB Stocks: Level II Quotes features stock prices and stock quotes. pre-market, regular stock trading hours and after hours from 8 am until 5 pm ET. View the top market maker or ECN on the BID and the ASK side of the stock trade, watch volume and size of the stock market orders.
    Most Active Stocks: Features most active stocks, stock market most active stocks gainers and losers in the market, find penny stock OTCBB stocks. To view a watch list, get stock quotes and live stock charts for NASDAQ, NYSE, AMEX and OTCBB stocks see our Penny Stocks section.
    More Info: Remember a sudden volume increase, stock market momentum or change, usually indicates buyers coming in or short sellers covering their trades driving the stock price up, also it could be Stock Market News related or insider buying or selling, check Expected Earnings Reports or SEC Filings. For day traders, keep your stop losses tight, you can always move your stops as the stock market allows and remember never go against the overall stock market trend when trading stocks. Also track and analyze your stocks using the Stock Charts. keep a close eye on the stock market volume coming in near the end of the day, this will give you some insight going into the after hours session and could be a stock market indicator as to a possible higher or lower open.
    Markets: Keep a close eye on the Futures Trading Markets and the gold futures market and oil futures market, check the Forex Trading markets for GOLD Dollar Rates, XAG/USD – SILVER Dollar Rates or EUR/USD – Euro Fx / U.S. Dollar and more.
    Day-Trading Tips: For a formula that works with any stock, see our How to use Level II Quotes for Day Trading section, for a stock trading formula to determine stock support and resistance, this gives you some insight going forward in the next stock trading day and the stock market open price.
    Note: The stock quotes provided here does not necessarily represent the top BID and ASK, Sell or Buy price Size or BUY and SELL orders in the marketplace.

    Note: The free level II Stock Quotes, live stock charts, candlestick stock charts, stock quotes, penny stock quotes, NASDAQ, NYSE, AMEX penny stocks data and information provided here is for informational purposes only and is not for stock market investing, day-trading, swing-trading, market analysis or technical indicators. The decision to invest in the stock market should only be made after your consultation with an investment adviser or stock market broker, fundamental analysis and stock market technical indicators are your responsibility, do your own research before you invest.

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    How to Restore Windows 10/8/7 Computer to Earlier Date?

    Why restore computer to earlier date?

    To restore computer to an earlier time actually is as same as to restore your computer’s system to an earlier point of time. When you use computer, you may meet a lot of troubles. When the system crashed, the computer cannot boot successfully, and you cannot use the applications at all. In this situation, to restore computer to earlier date can help you go back to the previously state. Besides, there are many reasons can cause an unexpected change to your computer, such as a program, a driver, and your computer cannot work normally as before. To solve this problem, uninstalling the program may help a lot. But, if it doesn’t solve the problem, then, to restore computer to earlier date is a wise idea to bring your computer to a correct working state.

    How to restore computer to earlier date?

    Restore computer to earlier date is a good idea to help you go back to the correct state. Well then, how to restore computers system to an earlier point of time?

    To restore computer to the previous date, you must create a system backup image before. Then, when you need to do system recovery, you can use it directly. Windows 10/8/7 and other Windows operating system has snap-in tool which can create system image backup and restore it to your computer. Open it to create a system image backup and store it to other local partitions or an external hard drive. If there is something wrong, you can use it to restore your computer to an earlier date.

    However, many people think that the Windows built-in tool is complicated and it creates a big system backup image. Fortunately, AOMEI Backupper can help you a lot.

    Restore computer to earlier date with the AOMEI Backupper

    AOMEI Backupper is a great powerful software that can backup restore system, partition, disk, file/folder. Besides, it has many other utilities such as create bootable media, sync two folders, etc. It supports almost all the Windows OS no matter Windows PC or Windows Server. The free edition AOMEI Backupper Standard is designed for PC users, supports Windows 10/8/8.1/7/Vista/XP. So, to restore computer to earlier date, you can download the freeware AOMEI Backupper Standard.

    Make sure that you have created system backup before (You can click System Backup under the Backup tab to create a system backup image ).

    Step1. Launch this freeware. Click Restore at the left side. It lists the task here, or you can click Path to select the image file to restore data from it. Click Next .

    Step2. It will popup a window to remind you that you are doing system restore, click Yes and select a backup time point to restore. Click it and click Next .

    Step3. It will move to the Operation Summary page. Here you can confirm the information, if there is no problem, click Start Restore to launch the progress.

    When the progress reached 100%, click Finish to exit.

    If you are more opt for restoring some drivers instead of all of them, have a try at this driver product . It allows you to select certain drivers that you need to backup and restore and thus save you tons of space to store other important files and programs. Moreover, it helps you detect and update all the needed drivers for FREE. Here is more detailed information about it.

    AOMEI Backupper enables you to do a universal restore. which can restore system from one computer to another computer. But this feature is only existing on AOMEI Backupper Professional edition, which means you need to upgrade your Standard edition to AOMEI Backupper Professional.

    Server Uptime Monitoring Software #up #time #monitoring


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    Server Uptime Monitoring

    Benefits of monitoring server uptime

    Monitoring server uptime allows you to be proactively notified about performance issues. With a server uptime monitoring tool you can:

    • Receive alerts about server hardware failures, hung services, and application performance issues.
    • See the actual number of concurrent users trying to access your servers and apps during peak business hours.
    • Understand resource allocation and utilization so you know if system resources will impact app performance, allowing you to perform appropriate load balancing.
    • Monitor server hardware health and its components as well as application performance from a single dashboard.

    Best practices: Monitor server uptime

    Best practices: Monitor server uptime

    SolarWinds Server Application Monitor provides comprehensive monitoring of multi-vendor server hardware and application monitoring for over 200 critical apps, including Web servers, email servers, databases, application servers, and more.

    Best practice 1: Monitor server hardware resources

    A hardware resource bottleneck can affect application and server uptime and server performance, and cause application downtime. Here are the top metrics to watch on your servers:

    • CPU load: High CPU utilization tells you if the server hardware is underperforming and needs to be replaced or upgraded. To avoid high CPU load, you can distribute server load evenly among other servers in your environment.
    • Physical memory usage: Paging causes physical memory bottlenecks. If this condition occurs for a prolonged period of time, consider adding additional RAM to the physical or virtual server.
    • Virtual memory: As virtual memory consumption increases, data is constantly moving from RAM to disk to RAM. When this occurs, physical disks located in the swap file are put under tremendous pressure. To avoid this, consider moving the swap file to another drive to prevent swap file fragmentation.
    • Disk performance: Disk latency also causes bottlenecks. If the disk latency exceeds 100ms, or if the disk queue length is high, it is likely due to a storage performance issue. To avoid this, consider changing the RAID type, or add more physical disks to your array.

    Best practice 2: Monitor processes and services

    Rogue processes and stopped services can consume server hardware resources, which also affects server and application performance. Automated server monitoring software comes with a real-time process explorer, which allows you to remotely log into a server and kill processes that are hogging server resources. Similarly, Web applications can experience downtime when they are deactivated or stopped. With automated server monitoring software you can easily restart or stop services to resume website or Web app availability.

    Best practice 3: Monitor server hardware health

    Start monitoring your multi-vendor server hardware health. Proactively monitor key server health indicators to fix problems before they become severe. View key hardware health metrics, such as fan speed, power supply, server temperature, etc.

    Best practice 4: Comprehensive application performance monitoring

    Monitor application performance and hardware health along with your routine scheduled tasks, and get real-time visibility of the completion of all your tasks, all from a single dashboard. Access over 200 out-of-the-box apps and manage all your critical business applications, including:

    • Email servers.
    • Databases including SQL, Oracle , SAP ASE , DB2 , MySQL , and more.
    • Web servers including IIS, Apache , etc.
    • Java application servers.
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    I just got arrested for a State of New Hampshire DWI charge. What happens next?

    ISSUE ONE:The New Hampshire Implied Consent / Administrative License Suspension (ALS) Proceeding: Under New Hampshire law, any person who drives, operates, or attempts to operate a vehicle shall be deemed to have given consent to physical tests and examinations for the purpose of determining whether such person is under the influence of intoxicating liquor or controlled drugs, and to a chemical test of the person’s blood, urine, or breath, for the purpose of determining the controlled drug content of such person s blood or alcohol concentration if arrested for a DWI. The test or tests shall be administered at the direction of a law enforcement officer, peace officer, or authorized agent having reasonable grounds to believe the person to have been driving or in actual physical control of a vehicle while under the influence of intoxicating liquor or controlled drugs or while having an alcohol concentration of 0.08 or more, or in the case of a person under the age of 21, 0.02 or more. This law is referred to as implied consent.

    Pursuant to NH implied consent law, your New Hampshire drivers license (or your right to drive in New Hampshire if you re not a New Hampshire licensed driver) was most likely suspended for anywhere from six months to two years for failing or refusing a chemical (breath / blood / urine) test. This suspension typically starts on the 30th day following your arrest. [If you had a valid New Hampshire license at the time of your arrest, you should have been given a temporary permit that allows you to drive for the 30 days following your DUI arrest.]

    Read your paperwork carefully. If you act quickly, you can request an administrative hearing (or administrative review) to challenge your proposed suspension. After a timely request, an administrative hearing will be scheduled. This hearing is commonly referred to as an ALS Hearing

    Speak to your New Hampshire DWI attorney for more information about contesting your implied consent / administrative license suspension.

    ISSUE TWO:The New Hampshire DWI / DUI / OUI Criminal Case: Separate from the administrative license suspension proceeding is the criminal charge either for Driving or Operating Under Influence of Drugs or Liquor; Driving or Operating With Excess Alcohol Concentration (the standard charge) or for Aggravated DWI (the aggravated or enhanced charge).

    Under New Hampshire s law, no person shall drive or attempt to drive a vehicle upon any way:

    ― While such person is under the influence of intoxicating liquor or any controlled drug, prescription drug, over-the-counter drug, or any other chemical substance, natural or synthetic, which impairs a person’s ability to drive ; or

    ― While such person has an alcohol concentration (BAC) of 0.08 percent or more or in the case of a person under the age of 21, 0.02 percent or more. [Driving with excessive alcohol concentration is sometimes referred to as a per se DUI or per se DWI .]

    A person commits the crime of aggravated driving while intoxicated if the person drives or attempts to drive a vehicle upon any way when any of the following apply:

    ― While under the influence of intoxicating liquor or any controlled drug or any combination of intoxicating liquor and controlled drug or drugs and, at the time alleged:

    (a) Drives or operates at a speed more than 30 miles per hour in excess of the prima facie limit;

    (b) Causes a motor vehicle collision resulting in serious bodily injury to the person or another;

    (c) Attempts to elude pursuit by a law enforcement officer by increasing speed, extinguishing headlamps while still in motion, or abandoning a vehicle while being pursued; or

    (d) Carries as a passenger a person under the age of 16.

    ― While having an alcohol concentration of 0.08 or more or, in the case of a person under the age of 21 at the time of the offense, 0.02 or more and, at the time alleged:

    (a) Drives or operates at a speed more than 30 miles per hour in excess of the prima facie limit;

    (b) Causes a motor vehicle collision resulting in serious bodily injury to the person or another;

    (c) Attempts to elude pursuit by a law enforcement officer by increasing speed, extinguishing headlamps while still in motion, or abandoning a vehicle while being pursued; or

    (d) Carries as a passenger a person under the age of 16.

    ― While having an alcohol concentration of 0.16 percent or more.

    Important: The implied consent / administrative license suspension proceeding and the criminal DUI / DWI / OUII / Aggravated DWI case are completely separate from one another.

    Will my New Hampshire driver license be suspended or revoked?

    RELATED TO ISSUE ONE ABOVE: Your New Hampshire driver license (or your right to drive in New Hampshire if you do not have a valid New Hampshire license) may be suspended in the administrative license suspension proceeding for failing or for refusing a breath, blood, or urine test for alcohol and / or drugs. For a first offense, the suspension is typically for six months; for a second offense ― two years. Again, you may challenge this proposed suspension in an administrative hearing this revocation if you make a timely hearing request.

    RELATED TO ISSUE TWO ABOVE: If you are convicted of the DUI / DWI or Aggravated DWI charge. you will also lose your drivers license (or your right to drive in New Hampshire if you don t have a valid New Hampshire license) for from nine months to up to two years for a first offense (though part of the revocation time may be shortened by the court). This revocation is separate and distinct from the administrative license suspension. Talk to your New Hampshire DWI lawyer for possible suspension lengths for your situation.

    Also keep in mind that your license can be revoked for a variety of reasons unrelated to a NH DWI arrest.

    What happens if I get caught driving while my license is revoked?

    Driving while your license is revoked should be avoided as it is a new misdemeanor offense. Penalties include a $1000 fine and at least seven days jail time. You will also lose your right to drive for an additional year. If you re on probation for a DUI / DWI conviction, driving on a suspended or revoked license will also violate your probation.

    I really need to drive. Will I be able to get a restricted / limited / occupational / conditional / probationary permit?

    Unlike some states, New Hampshire does not offer a restricted license when you re suspended or revoked following a DWI arrest / conviction. However, the court may suspend up to six months of the court ordered revocation provided that you enter into a impaired driver intervention program (I.D.I.P.) in a timely manner.

    What is the difference between a DUI, DWI, OWI, OUI etc.

    These terms are all acronyms that refer to the offense commonly known as drunk driving. Different states have different names for the crime. For example, in Iowa the acronym OWI (operating while impaired / intoxicated) is used; Oregon uses the term DUII (driving under the influence of an intoxicant). New Hampshire law uses the terms: Driving or Operating Under Influence of Drugs or Liquor and Driving or Operating With Excess Alcohol Concentration and Aggravated Driving While Intoxicated. The acronym DWI is most commonly used here. In this website, the terms DUI and DWI are used interchangeably.

    Is a DWI offense in New Hampshire a misdemeanor or felony charge?

    In New Hampshire, a DUI / Aggravated DWI is usually a misdemeanor crime. However, an Aggravated DWI involving a motor vehicle collision resulting in serious bodily injury is a felony charge. Also, your fourth or subsequent DUI or aggravated DWI conviction within 10 years is a felony offense.

    The court may reduce a first DUI conviction to a violation (a non-criminal offense) upon a motion filed by either party at least one year after the date of the conviction. In deciding whether to reduce the conviction to a violation, the court will generally consider the person s subsequent driving record, any evidence of drug or alcohol treatment, the hardship that having a criminal record may cause for the person, and other factors.

    What type of penalties might I face if I am convicted of an New Hampshire DUI / Aggravated DWI charge?

    Upon conviction of an New Hampshire drunk driving offense, a defendant can receive a variety of penalties including entering and completing an impaired driver intervention program (drug / alcohol treatment and counseling). A range of penalties is set forth below:


    NEW HAMPSHIRE DWI PENALTY CHART

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    Could Time Warner Cable’s Phone 2 Go App Stem Landline Cord Cutting? #time #warner #cable #business #phone


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    Time Warner Cable today launched what could be a service provider s best shot at stemming ongoing landline phone service erosion. But it’s only an option for services providers who, like TWC, have converted their voice lines to VoIP.

    TWC calls the new offering Phone 2 Go. and it s a free smartphone or tablet app designed to enable TWC home phone customers to place calls from their smartphone over a WiFi or mobile data connection using their home phone service. That means domestic calls placed with the customer’s smartphone or tablet are included in the customer’s unlimited monthly landline service. And although mobile data usage would count against the customer’s monthly allotment, voice calls don’t use a lot of bandwidth.

    “To make calls, the user dials through the Phone 2 Go application’s own dial-pad which looks very similar to the regular phone dial-pad and works in exactly the same way,” a TWC spokesperson explained.

    Additionally users can receive phone calls forwarded from their home phones on their wireless devices. And they can send and receive text messages and do video calling using the app.

    How Big a Deal is Phone 2 Go?
    The upshot is that customers seeking to minimize their monthly communications costs could consider canceling their wireless voice service instead of their landline voice service. Some wireless carriers offer data-only plans for tablets at least. And considering how competitive the wireless market has become and with carriers encouraging customers to buy or bring their own
    devices I’m thinking there could soon be a data-only smartphone plan if there isn’t one already.

    Could apps like Phone 2 Go convert wireless migration into wireline migration? Probably not on a broad scale, considering that many telcos have yet to convert to VoIP. But this would appear to be a great way for TWC to shore up its landline voice business and to tap into the wireless migration trend without requiring customers to actually migrate and without having a wireless network of its own.

    I would expect to see other VoIP-based voice service providers following TWC’s lead in offering an app similar to Phone 2 Go. And depending how successful those offerings are, this might even cause traditional telcos particularly those without a wireless business to raise the priority level on those TDM-to-IP conversion plans that have been sitting on the back burner for quite some time now.

    Did you like this post? Please consider sharing it:

    Degree in Singapore #full #time #degree, #degree #in #singapore, #degree #singapore, #singapore #degree, #degrees #singapore, #singapore #degrees, #full #time #degrees, #degrees #in #singapore


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    Murdoch University

    Murdoch University

    Preview Session Details

    Structure and Content

    Students have the option to enrol in either single or double majors.

    Communication Media Studies
    CMS203 Audiences, Users and Participants
    CMS306 Critical Topics in Communication and Media Studies
    CMS305 Media Governance and the Public Sphere
    CMS304 Communicating Global Issues
    CMS201 Screen: Small. Medium and Large
    CMS202 Old Media, New Media

    *Units common to both majors need to be taken only once. Students may be required to complete two general electives.

    Students are required to complete the following common units :

    BAR200 Developing Research Skills and Methods
    BAR300 Advanced Research in the Arts
    BRD209 Creativity and Innovation
    BRD251 Wellbeing

    Students with Murdoch University-recognised Polytechnic Diplomas will be given 12 exemptions and gain entry to Year 2 of the programme. They can complete the course in 16 months instead of 28 months.

    The Bachelor of Arts in Communication and Media Studies (Single Major) accepts a wide range of qualifications with advanced standing:

    Additional Entry Requirements:

    • Applicants admitted to the Bachelor of Arts programme may be required to undertake bridging units in order to fulfil the required prerequisite knowledge. The final decision rests with Murdoch University.
    • Successful completion of a recognised approved Diploma qualification of higher, where the language of instruction was English.

    English requirement for International students:

    Delivery and assessment methods

    Delivery Method

    Students will attend a combination of lectures, tutorials and workshops in this programme. Students have the flexibility to plan their study schedule based on their own study load. Classes are conducted from Mondays to Fridays, 5 times a week. Each unit is supported with 24 contact hours. The Dean from Murdoch University is based in Singapore to oversee all academic aspects and ensure a high standard of academic delivery here.

    Assessment Methods

    Each unit is assessed by any combination of class participation, written assignments, project or examinations. Assessment methods may vary according to individual unit requirements.

    Graduation and Degree

    Students who successfully complete and pass the modules stipulated in the course structure will be awarded the Bachelor of Arts in Communication and Media Studies (Single Major) from Murdoch University. The degree will be the same as that awarded to on-campus graduates in Australia.

    Tuition Fees

    The tuition fee covers university registration, study guides, intensive seminars and workshops, assignments, examination (if applicable), projects, degree (if earned) and transcript.

    • Programme fee:
      • S$19,003.20 (Single Major) payable in 4 instalments
    • Receive S$700 referral bursary when you recommend your friend to join our degree programme. T Cs apply.

    Education Loan

    Education loans are available, subject to meeting the bank’s loan requirements. Please click here for more information.

    Amex 0% interest on instalment payment effective 1st June 2017 (for instalments ranging 6 – 24 months)

    Non-tuition Fees

    Non-refundable application fees are as follows:

    All prices are inclusive of 7% Goods Services Tax (GST). Please refer to the official price list for a detailed breakdown.

    *Note: All fees are subject to change annually. The fees above have been updated and are accurate as of 22 September 2016. For more information about the programme, please contact our course consultant.

    Application Instructions

    How to apply

    Considerable care is taken by the university and the school in the selection of students. Usually, the university / school takes about 3 weeks to process each application. Therefore, it is advisable that all applications must be submitted to Kaplan Higher Education Institute at least 8 weeks before the start of each intake.
    Documents required for programme application:

    • Duly completed application form
    • Certified copy of all academic qualifications transcripts
    • Photocopy of passport or NRIC
    • Latest CV (if applicable)
    • Programme application fee

    All fees are payable to Kaplan Higher Education Institute Pte Ltd in accordance with the fee schedule.

    The full application package can be submitted personally at any of the Kaplan City Campuses or mail to:

    Kaplan Higher Education Institute

    For enquiries on application process, click here .

    Fee Protection Scheme

    Under the Fee Protection Scheme, Kaplan Higher Education Institution has put in place an insurance arrangement that ensures fees paid by students to the school are insured by Lonpac Insurance Bhd, a Council for Private Education (CPE) appointed service provider. The insurance protection serves to protect the students’ fees in the event a private education institution (PEI) is unable to continue operations due to insolvency, and/or regulatory closure. Furthermore, the FPS protects the student if the PEI fails to pay penalties or return fees to the student arising from judgments made against it by the Singapore courts. The FPS is compulsory for all local and international students taking programmes at PEIs seeking EduTrust certification. FPS applies to all programmes with duration of more than 1 month or 50 hours.

    Preview Session

    BACHELOR OF ARTS IN COMMUNICATION AND MEDIA STUDIES (SINGLE MAJOR)

    Full-Time MBA Program #mba #programs #in #dallas,mba #programs #in #texas,top #mba #programs,master #of #business #administration,master #in #business #administration,master #of #business #administration #degree,full #time #mba,mba #full #time,ft-mba


    #

    Testimonial

    The Full-Time MBA Program

    Related Links

    The mission of the top-ranked (#38 tied, U.S. News World Report. 2017, #29 Bloomberg Businessweek. 2016) UT Dallas Jindal School Full-Time MBA program (FTMBA) is to develop cutting edge problem engineers who can think, plan and act strategically to solve complex business problems.

    • 16–month time frame (minimum of 2 semesters out of the workforce)
    • Cohort class of 50 students
    • Career-focused orientation
    • Supportive team of professionals and “Power of Two” Mentor Program
    • Over 35,000 JSOM alumni (5,000 MBA alums active in the DFW area)
    • Renowned professors (#11 in North America for faculty research contributions)
    • Connection to many of the Fortune 500 companies headquartered in DFW, critical to maintaining our 90% placement rate
    • 80% of students receive scholarship valued at 45% of the total program cost
    • Average starting salary range of $90,000 $100,000

    Consider joining the UT Dallas Full-Time MBA community of scholars and be a part of a unique MBA experience guaranteed to dramatically alter the course of your professional life.

    • Degree Plan
    • Class Profile
    • Student Experience
    • Internships and Jobs
    • FTMBA Ambassadors

    Degree Plan

    This 53 credit-hour program features a full-time, daytime core curriculum which students complete in 16 months, with an optional extra semester for a 21 month program. Each ‘Cohort’ of students starts the program in August. These students follow a lock-step progression of core courses through the program, taking all their core classes together (typically Monday through Friday) and graduating 16 months later, in December.

    Degree plan highlights include:

    • Fall semester start (53 semester credits: 30 core and 23 elective)
    • Optional elective concentration
    • 21-month optional extension for a joint degree program or working students
    • Multiple STEM-designated joint degree options
    • Minimum of two semesters out of the workforce
    • Daytime core classes and evening elective coursework

    Semester Credit Hours

    Student Experience

    Students in the top-ranked Full-Time MBA Program have ample opportunities for both professional development and academic growth in the form of experiential learning classes, national case competitions, professional and academic-related student groups, MBA speaker events, alumni engagement events and the Power of Two Mentor Program.

    In the Power of Two Mentor Program, mentors provide students with insight into the business world and how it works. We know that our Full-Time MBA students learn a great deal from their professors, as well as their peers, but this program assists them in learning from the “real world” as well. Our mentors serve as guides, counselors and role models as the students explore the areas in which they wish to work post-graduation.

    Our Full-Time MBA alumni are an integral part of each student’s journey throughout the program. Alumni serve as professional and academic guides to our students and begin getting to know them as early as during the admission process. The small size of our program naturally lends itself to a close-knit and highly invested alumni network.

    Learn more about our student experience by visiting a class or attending an MBA Open House .

    Internships and Jobs

    The Full-Time MBA placement rate is 90 percent within three months of graduation. Our class salary average generally falls within $90,000 to $100,000.

    Average Salary Range for Full-Time MBA Graduates, by Discipline

    Graduate Salary Range

    Academic Program #professional #mba, #part-time #mba, #part #time #mba, #business #school, #masters #degree, #mba, #academic #program, #business #school, #school #of #business,


    #

    Academic Program

    Request Information For:

    Apply For Admissions:

    Academic Program

    Cohort

    The Cohort option allows you and a group of fellow students to move through the first year of the curriculum together on our Foggy Bottom Campus. Cohort students complete core requirements, but have the option to add additional elective coursework to accelerate the program. After the first year, you customize your MBA from our variety of concentrations, certificate and electives. PMBA-cohort classes are held Tuesday and Thursday evenings for the first three semesters and elective classes are generally offered weeknights, Monday through Thursday.

    Self-Paced

    The Self-Paced option allows you to design your own course schedule to meet your professional and personal needs and interests. Designed with greater flexibility in mind, the self-paced format is completed in two to five years based on the number of courses you complete each semester. PMBA-self-paced core and elective classes are generally held weeknights Monday through Thursday.

    Online

    The Online option allows students to take advantage of our unique MBA curriculum from wherever you are in the world. Offered completely virtually but still taught by our esteemed business school faculty, this program enables you to complete your GW MBA from anywhere, while earning the same AACSB-accredited degree awarded to our on-campus students. Online courses are predominantly synchronous. Students participate in a weekly one hour online session led by sync session leaders. These weekly sessions may consist of live discussions, guest lecturers, and Q A.

    Hybrid

    The Hybrid option provides you with ultimate flexibility. You can decide not only which courses to take, but also what delivery format you prefer –online or on-campus. The ability to hybrid our Professional MBA is attractive to students with busy seasons in either their personal or professional lives. Students interested in the Hybrid option should submit an application for the Online-MBA format.

    Curriculum

    PMBA core requirements make up 28.5 credits, with the remaining 27 credits reserved for elective classes. Electives are typically completed after the majority of core course requirements have been fulfilled, and may also be completed with short-term study abroad programs.

    Elective Courses (27 credit hours of coursework)

    With 27 credit hours of electives built into the curriculum, students are able to add up to two concentrations and/or certificates to their degrees, choose additional courses from over 200 electives offered at School of Business, or take graduate-level classes offered through other GW schools or area universities. Students can also apply to add a second master’s degree to their MBA through GW’s many dual and joint degree offerings.

    Professional MBA Sample Curriculum

    There are sample program schedules for students starting in the Spring 2015 semester and the Fall 2015 semester. Students have up to five years to complete the program. The student and academic advisor will outline an individualized study plan.

    PMBA | Sample Curriculum

    Download the PMBA Factbook!

    It s time to get! CHEAP AUTO INSURANCE! online! #auto #auctions #online


    #inexpensive auto insurance
    #

    Get cheap auto insurance

    Auto insurance is a necessary part of life and required by most state laws. It can protect you in the event of an accident and prevent you from having to pay thousands of dollars in damage. But even though you know the value of carrying auto insurance, it is another expense that you must incur and add to your budget. However, if you take the time to look for cheap auto insurance, you can have the coverage you need at a price you can afford.

    Cheap auto insurance doesn’t mean that it has cheap coverage. In fact, many companies specialize in high-risk drivers or those who often end up with high rates because of their statistics. They offer affordable coverage that people can qualify for even if they don’t get the lowest rates at other companies.

    When you can buy a cheaper policy, you can afford the right amount of coverage that you need instead of trying to get by on the least amount. This protects you for the future in the event of a claim. However, it can be time-consuming to look at dozens of websites for different companies and receive numerous quotes to get the best pricing. That is why many people often just take the first policy they can find.

    If you use our site, you can get the quotes you want from multiple companies and compare them to find the best rate for your needs. Instead of spending hours, it only takes a short amount of time. You can input your information to find the lowest prices based on where you live and see the offers from our comparison chart. This allows you to make an informed decision based on what’s available and save money by finding the cheap auto insurance you need.

    When you can find cheaper quotes, it helps you save money in your budget. It also helps you to be able to afford the coverage that gives you the peace of mind you need. Instead of settling for what you can find on your own, you can see your options for the best policy that fits your needs when you use our comparison site.

    Rehabilitation Frame of Reference – Title Rehabilitation FOR Developers No specific developer Origin #with #reference #to #time #rehabilitation #is


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    Rehabilitation Frame of Reference – Title Rehabilitation.

    Title: Rehabilitation FOR Developers: No specific developer. Origin: to restore individual functioning of persons with physical or mental disabilities or chronic illness to achieve maximum performance in daily activities Population: All groups can benefit from this FOR. Theoretical Foundations: – The basis of the model is from medical, physical, and social sciences: o Medical: understand the influence of pathological processes on an individual s ability to function in ADLs and IADLs. o Physical: understand the biomechanics of movement, design or select assistive devices that promote function, and modify an environment to help an individual with a disability function more effectively o Social: contributes important knowledge about how individuals and societies respond t chronic illness and disability – Change theory Concepts, Postulates and Assumptions: – Concepts o Rehabilitative interventions: Adaptive/Compensatory strategies Modifications of physical/social environments o Impairment: problem in body function or structure i.e. significant deviation

    This preview has intentionally blurred sections. Sign up to view the full version.

    First Time Auto Buyer Program #auto #spa


    #auto buyer
    #

    First Time Auto Buyer Program

    Are you ready to buy your first car? If so, we can help with our First Time Auto Buyer Program.

    This loan type is designed for those who have little to no credit and are ready to embark on the purchase of their first automobile. This loan comes with low rates, manageable terms and is an excellent way to establish a credit history.

    Planning is important to prevent surprises when you buy your first car. We offer guidelines on vehicle searches and online resources, as well as our friendly loan professionals are experienced in vehicle lending and can guide you through many of your auto buying considerations.

    In order to get started, please review the topics below. You will find:

    • Qualifications and Program Details
    • Lending Definitions
    • The First Time Auto Buyer Quiz .
    • When you submit the quiz, you will be directed to the Application Form .

    Qualifications and Program Details:

    Please note, to apply for the First Time Auto Buyer Program, you must be a PrimeSource Member (or Eligible for Membership) Click here for complete PrimeSource Eligibility guidelines.

    • Must be at least l8 years old and able to repay the loan
    • Must be employed for a minimum of one year or have a qualified co-signer
    • No more than 12 months of auto loan payment history reflected on credit report and no derogatory credit may be present
    • Minimum gross monthly income requirement is $1,000.00
    • Monthly payment to not exceed 20% of gross income, including insurance premium
    • Proof of auto insurance required
    • Maximum loan amount is $15,000.00
    • Terms up to 72 months
    • Maximum Loan to Value 95% with a minimum 5% cash down. Minimum cash down requirement is not required when a qualified co-signer is provided
    • Must complete the First Time Auto Buyer Quiz prior to applying for the First Time Auto Buyer Loan

    Membership Eligibility Requirements

    Subject to membership eligibility, click here for details.

    PrimeSource can provide assistance with your auto buying decisions before you buy!

    Locate All Hidden New Car Rebates – Incentives – Limited Time Offers #auto #book #value


    #auto rebates
    #

    Locate All Hidden New Car Rebates Incentives Limited Time Offers

    News

      Make Your New Accent More Affordable with Hyundai Accent Rebates

    Hyundai vehicles are known for their fantastic build quality and low price. The new Hyundai Accent is set to redefine the standards of an affordable, economical and stylish small car. However, you can make your new car more affordable by finding the latest Hyundai Accent rebates. Request a Read more

  • Car Dealer Rebates Hit Highs During Summer Sales
    Vehicle rebates for new 2014 cars, trucks and SUVs are running rampant in July as automakers to their best to push out the 2014 models in favor of the 2015 models that are shipping soon. Local dealerships have had enormous success for the first half of 2014, and want Read more
  • Discover the Latest VW Incentives to Get Great Savings on a New VW in –
    VW incentives allow you to save money and pay less on your new Volkswagen. Simply request a FREE online price quote to instantly find: Updated VW incentives and cash rebate offers from certified USA VW dealers. The top local deals and the latest discount offers on new VW vehicles. Uncover hidden Read more
  • Use Dodge Avenger Rebates & Incentives in – Save Up to $3000 on a New Dodge
    When money’s tight and everyone is struggling to stay within their budget, buying a new car may seem impossible. With money saving Dodge Avenger rebates and incentives, along with its already affordable price tag, driving a new Avenger doesn’t have to drain your wallet. Request a free, Read more
  • Massachusetts Another State Offering EV Rebates
    If you are buying a new electric vehicle (EV) in Massachusetts, than a rebate may be available from the state. The rebate is worth up to $2500 if you purchase or lease an EV on or after today, Wednesday June 18th, 2014. Rebates are available on a first-come, Read more
  • Make Your New Accent More Affordable with Hyundai Accent Rebates

    Hyundai vehicles are known for their fantastic build quality and low price. The new Hyundai Accent is set to redefine the standards of an affordable, economical and stylish small car. However, you can make your new car more affordable by finding the latest Hyundai Accent rebates. Request a Read more

    • 5 Affordable New Cars for Summer

    If you’re like most Americans, we are budget conscious. An extra $50 or $100 per month makes a difference in our budgets, so saving as much as possible when we are purchasing a new car is very important. We have compiled a short list of 5 vehicles that Read more

  • Instant Subaru Rebates Save You Thousands of Dollars
    Uncover Subaru incentives deals and limited time cash-back rebates search today! If you want to find the hottest Subaru rebates, incentive deals, and discount pricing on any Subaru model you have come to the right place. We have all the information you need to find Read more
  • Rebates Driving Electric Vehicle Sales to Rise
    By now you’ve seen a few on the street if you live anywhere near a city. Electric vehicle sales are soaring to new levels as more people are deciding to “go electric”. There have been more that 500,000 electric vehicles sold worldwide since 2010 and that trend has Read more
  • Locate Ford Buyer Incentives & Rebates That Could Save You Up to $2500+
    We ve all been there. There’s something we’ve been eyeing for a long time, but it’s always been a bit out of our price range, then we see an ad on TV that it’s on sale. Into the car and to the mall we go, finding exactly what we’ve Read more
  • Rebates Are the Main Incentive for EV Buyers
    California, the land of milk and honey, has quickly become the land of electric vehicles. California sells more EVs than the rest of the country combined, even though the trend is growing in other states with aggressive rebate programs to incentivize new EV buyers. The California Air Resource Read more
  • 5 Affordable New Cars for Summer

    If you’re like most Americans, we are budget conscious. An extra $50 or $100 per month makes a difference in our budgets, so saving as much as possible when we are purchasing a new car is very important. We have compiled a short list of 5 vehicles that Read more

  • Copyright 2015 CarDealerRebates.com. All rights reserved

    We value your privacy. The information you submit will be shared only with the car dealerships of your choice. This system is live and information is forwarded directly to dealers upon request completion. Our dealerships generally make contact within 72 hours of quote request. There is no obligation to buy and you may contact the dealer at any time to request mailing list removal.

    No Credit Car Loans for First Time Buyers #auto #loan #amortization


    #no credit auto loans
    #

    No Credit Car Loans

    Don’t let zero credit history affect your present. Get guaranteed approval on no credit auto loans even if you have low income. Low rates are a reality for no credit car buyers. Students and first time buyers need not worry about co-signing as it is not compulsory.

    The one thing that every American desires is a car. Automobiles are favorites on everyone’s wish-list. But, not everyone is able to strike it off the list. For all those who want to buy a car, credit score is often considered a major requirement. Does that mean people with a zero credit score cannot get car loans?

    Understanding the needs of people with no credit history, Fastautoloanapproval.com has introduced no credit auto loan program. Applicants can now easily buy the car they want-new or used with these instant loans.

    Fastautoloanapproval.com is an online auto financing company that efficiently caters to the needs of borrowers with no credit. It believes that a credit score is nothing but your history and it should never affect your present. This means you no longer have to depend on no credit needed dealers.

    Most college students and graduates/undergraduates face the problem of zero credit ratings. The company understands the importance of a car in student-life and that’s why; offers easy car loans to students, even if they have a zero credit history.

    Most first-time car buyers avail credit for the first time and they face the same trouble of no credit history. If you are facing trouble in getting quick approval, worry no more. Fastautoloanapproval.com is here to rescue you by offering car loans without credit history.

    What Factors Are Considered For Availing Car Loans without Credit?

    Fast Auto Loan Approval has wide approval criteria. Don’t think that if you are weak in one aspect, approval will become difficult. The company believes in concentrating on your strong factors and in this way, it makes financing a car with zero credit very easy.

    • Income

    • Employment Term

    • Time At Residence

    • Regularity In Making Payments of Other Loans, If Any

    • Down Payment Amount

    • Availability of Co-Signer

    • Loan To Value (LTV)

    • Age of Vehicle

    • Term of Loan

    • Miles on Vehicle

    • Total Debt to Income Including New Payment.

    By looking at these factors, you can understand that a credit score isn’t and will never be the sole responsible aspect for your loan approval.

    When you are applying with fastautoloanapproval.com, you don’t have to worry about the safety of your data. Your personal information is protected from identity theft so don’t be apprehensive about sharing your SSN and other private data.

    The no credit car loan program is a great way of building your score. Start today by applying with us.

    The Craziest Local Car Dealer Ads Of All Time #new #car #search


    #local car dealerships
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    We’ve Got A Deal For You

    One of the smartest people I ever met in the car business once told me, “the smartest people I meet in the car business are dealers.” Being that the guy speaking wasn’t a dealer himself (in fact, he was a longtime Ford engineer with multiple patents under his belt and more than a few zeros in his bank account), I always took his words to heart. Sure, the carmakers have the tough job of making the vehicle, but the dealers have an even tougher job in selling it against the competition and still making a profit.

    And, despite the occasional bait-and-switch story about someone getting a raw deal from an unscrupulous dealer, most of the time you’ll find car dealers are just that: smart guys who know they have to work really hard to make their business run. You know what else? Because they’re sales guys, they’re generally a whole lot more fun, too.

    That hard work and joie de vivre often manifests itself in interesting ways: take, for example, the notion of a car dealer doing a TV commercial. The local dealer has only X amount of dollars each month to bring prospective buyers into the showroom and TV has been a favorite for years, simultaneously stroking the boss’s ego while offering the ability to present bold images and sound. But not just any ad will suffice: if it doesn’t cut through the clutter, it’s wasted cash. Big, bold and shocking tend to come to mind. If it gets noticed — even if fails to win an Oscar — it has at least achieved part of its goal.

    Perhaps hilariously, this leaves us with a trail of car dealer commercials so outrageous, so good and so bad that we consider them classics. And as much as a car dealer might take one on the chin for appearing on our list, one thing is certain: we’re still talking about them. Maybe they’re having the last laugh, after all.

    Bad Acting: Is It Endearing Or Just Bad?

    Maybe the acting isn’t what we love so much about this commercial from A L Motors. Maybe it’s the inherent sense of discomfort. Max Talbot (one of the four Pittsburgh Penguins appearing here) delivers 8 of the most awkward seconds we’ve ever seen on film.

    What Doesn’t This Ad Have?

    Do pimps have good credit? I never knew. They do seem to always carry a lot of cash. I suppose having something “pimped” is better than having it unpimped, but I’m not sure I want my credit being involved with a guy in a pink suit.

    The Kid

    Cute kid + adult voiceover might work for the latest E*Trade ads, but do they work for Florence White Ford?

    Is He Crazy? Or Just Annoying

    “Crazy Tracy” might call himself crazy, but we think he’s just obnoxious. Something of a celebrity in Chandler, Arizona for his outlandish TV ads and questionable use of full-figured mannequins at his dealership, we find this ad certifiable local dealer gold.

    $300 Is All You Need!

    Don’t pay attention to Kim. Or Sheri. Or Bruce. Or Annie. Or Yvonne. Or Marie. Just watch Mack, the bulldog on his hind legs. He’s the thing that pulls this 31 seconds of hot mess together.

    Is It the Right Time to Sell Your Car? Adviser: Car Advice on How to Sell a Car #auto #advantage


    #sell a car
    #

    Is It the Right Time to Sell Your Car?

    For the majority of people trying to sell a car, it’s impossible to predict when the right buyer will come along or when you’ll get the best deal on a trade-in. Even if you’ve immaculately maintained your car, priced it right and placed a great ad. a responsible buyer who wants a car like yours is no guarantee. But while there is undoubtedly a little luck involved, timing is a much more important factor when selling a used car.

    Here are five questions to ask if you’re not sure that now is the right time to sell.

    Are you still paying your car off? If so, find out whether you’re “upside down” on your loan. Being upside down simply means that you owe more on your car than it’s worth—an unfortunate reality for many vehicle owners. Selling your car while upside down will result in a financial hit that may be difficult to absorb. Refinancing your loan may help you close the gap more quickly, but the best advice if you’re upside down on your loan is to hang on to the car as long as possible.

    To repair, or not to repair? Your old car may have some mechanical or cosmetic issues that would probably make it less attractive to potential buyers. However, don’t assume that you need to get everything fixed before selling your car, especially if you plan to trade in.

    “If you sell privately, I would recommend taking the time to get minor things taken care of, like new tires or brakes – anything that doesn’t cost too much,” says Tye Frazier, AutoTrader.com’s Customer Adviser. “For major repairs consider dropping your asking price, then find out the average cost of repairs in advance and use that to your advantage to let the buyer know that they are getting a good deal.”

    So be prepared to do some math if you own an older car, and ask yourself if the cost of a repair will be equal to its value in the eye of a potential buyer.

    How’s the weather? Your used car, like anything else for sale, is subject to many economical factors. including the simple laws of supply and demand. Understanding the market can help you pinpoint the right time to list or trade in your car. This can be as simple as taking a look out the window. Your convertible or sports car won’t be as appealing when the roads are iced over, but those conditions will be a huge selling point for your all-wheel drive SUV.

    On the other hand, “you never know who is searching for a vehicle,” Frazier says, “If you’re in New York in winter and someone in California likes your convertible, he may buy it.” In this case, however, you may want to consider a Run ‘til It Sells ad if you’re privately selling since your car may take a little longer to sell.

    What’s the price of gas? On a similar note, gas prices go a long way toward governing the latest automotive trends. A major consequence of the 2008 gas crisis was a drastic spike in demand for hybrids and fuel-sipping subcompacts. Many used SUV and truck sellers who waited for gas prices to return to normal levels were rewarded for their patience.

    What’s hot in your area? To get the best sense of your local used car market, do some research right here on AutoTrader.com. The information you acquire from your AutoTrader.com search results can help you determine when to list, and it can also help you set some realistic expectations for what kind of return you’ll get.

    The easiest way to gather useful data is to save a search on MyAutoTrader. Signing up is free, and it’s the best way to track what’s going on in your area. For example, repeating a search in your area over the span of a few weeks can tell you how long cars like yours are staying up on the site, how much they’re listed for, and how much competition you’ll have when you try to sell. MyAutoTrader can even send you an email to alert you when a car matching a certain description goes up on the site.

    Though luck plays a role, there are many factors that can help you figure out the best time to sell your car. There’s no way to predict when the right buyer will call, but if you answer the questions above and use that information to your advantage, you can certainly help sway the odds in your favor.

    Andrew Golaszewski is a staff writer at AutoTrader.com.

    Subprime borrowers have easier time getting car loans #auto #donation


    #auto loan bad credit
    #

    Subprime borrowers have easier time getting car loans

    By Fred O. Williams

    If you have blemished credit, you can expect a hard time opening a new credit card account. But getting an auto loan? That’s a different story.

    Auto loans have come roaring back, and less-than-prime borrowers are invited to the party. That’s creating new opportunities to get out of a clunker — maybe at a less painful rate than you’d expect to pay.

    There’s more subprime (auto lending) today even than right before the recession, said Melinda Zabritski, senior director of automotive credit at Experian.

    Borrowers with credit scores below 680 got about 27 percent of new car loans in the second quarter of 2013, Experian found, vs. 25 percent in 2007. Contrast that with auto lending during the depths of the downturn. About midway through 2009, the share of nonprime loans was about 17.5 percent of new vehicle financing. That’s a big difference, Zabritski said.

    There’s also a big difference between auto loans and credit card lending. Since mid-2009, auto loan balances have grown by $71 billion, while balances on credit cards fell $156 billion, according to the Federal Reserve Bank of New York. At least some of the difference is due to easing of standards for auto loans. Auto lenders made $21.2 billion in new- and used-car loans to subprime borrowers with scores under 620 during the second quarter of 2013, according to the New York Fed — more than double the amount during the same period in 2009.

    The figures indicate that subprime borrowers, who were formerly limited to the used-car market and high-rate loans, have more opportunities to roll out of dealerships on new wheels.

    How to take advantage of the trend? While there are growing opportunities to look beyond used-car lots and buy-here, pay-here financing, which cater to subprime borrowers, there are still steps you should consider in order to get a square deal. Researching your creditworthiness before you shop for financing is a basic first step, experts say. You can get an estimated credit score online and review your full credit report via AnnualCreditReport.com.

    Where do you stand?

    Philip Reed, senior consumer advice editor at Edmunds.com, recommends preapplying for an auto loan, using online lender websites, as a basic part of your research.

    The beauty of applying for preapproved loans is, it’s like running your credit, Reed said. There are online lenders that will give you a credit limit and an interest rate. Armed with those figures, you can step onto the asphalt of a car lot with greater confidence. Since this is a loan application, it will show as a hard pull on your credit record, which marginally lowers your credit score. As you shop for financing, however, subsequent car loan applications will be consolidated with this one and scored as a single pull.

    If the interest rates available (online) were about 6 percent, and you go into a dealership and they offer you 8 (percent), you know something isn’t right, Reed said. But if you show them the quote you got from a competing lender, the dealer may say, ‘We can beat that.’

    Gerry Ryan, general manager at Sport Chevrolet in Silver Spring, Md. says he sees lenders acting more competitive.

    Banks are taking a hard look at stuff — money’s becoming more available, he said. At his car lot, the lenders Ally, Wells Fargo and GM Financial are all vying to make loans through the dealership, so they’ve got to be on their toes.

    The state of rates is low

    Often a loan through the dealership’s financing office will end up being the most economical choice, experts say. But getting quotes independently from a bank or credit union is also important — both for research and as a negotiating tool.

    While promotions on some vehicles tout 0-percent financing, those deals are limited to a narrow slice of applicants with top credit scores. Across all borrowers, the average rate for a new vehicle loan was 4.46 percent in the second quarter, Experian found.

    The overriding good news is, when rates go down, they go down in all of the credit tiers, Reed said. There was a time when 6 percent was a good rate for even prime borrowers.

    Zabritski said that, for some credit tiers, rates have already changed direction and are edging back upward. For deep subprime borrowers with scores 550 and below, average rates were about 13.4 percent, compared to 13 percent a year earlier.

    Another way for auto borrowers to help their cause is to save for a down payment. As a rule of thumb, banks will require 15 percent down on a new car loan, and experts say it’s a better idea to put down 20 percent.

    Banks are taking a hard look at stuff — money’s becoming more available.

    Is it time to sell your old car or truck? #hertz #auto #sales


    #how to sell your car
    #

    Is it time to sell your old car or truck? Here’s how to tell

    By: Margarette Burnette, May 09th 2014

    Each year you drive your old car is one more year you don’t have to worry about paying for a new one.

    Yet, with every turn of the odometer, you’re one mile closer to big repair and maintenance bills.

    At some point, it costs so much to keep your old ride on the road that you’d be better off investing all of the money you’re spending at the garage on a new car or truck. Our database of the best auto loan rates can help get you started.

    There’s no magical mileage threshold that tells you when it’s time to ditch your car. In fact, many of today’s vehicles routinely exceed 100,000 miles without experiencing major mechanical problems.

    But if you’re being hit with one repair bill after another, these 5 steps can help you decide if the time has come to ditch your old car or truck.

    Step 1. Find out what your car is worth.

    All smart decision-making starts with this.

    To find out what your car is worth, research it on an auto valuation site, such as Edmunds.com or Kelley Blue Book (kbb.com).

    You’ll be asked a few questions about the year, make and model of your car, the odometer reading and the condition it’s in, taking any repairs you’re planning to make into account.

    Those websites will provide you with three potential values for your car.

    The one you want to use is the trade-in value, which is the lowest of the three estimates.

    This is the amount you can expect to receive from a dealer if you include your current car in a deal to buy another car there.

    Let one of the best commuting cars of 2014 take the stress and worry out of those slogs to work, the supermarket and other daily destinations. They’re safe and economical but don’t scrimp on creature comforts, including automatic transmissions and air-conditioning. With prices starting at just over $19,000 and climbing to just under $31,000, we’re confident you’ll find the perfect ride.

    Step 2. Determine how much it will cost to keep it on the road.

    Ask your mechanic for a rundown of all the:

    • Big repairs that must be done right now to keep your vehicle running.
    • Additional repairs that can be postponed but need to be done over the next year.
    • Major maintenance that will come due during the next 12 months based on how many miles are on the car.

    We’re not talking about oil changes.

    We’re talking about the more costly work required as vehicles reach 60,000 to 100,000 miles — everything from changing the transmission fluid and coolant to replacing worn-out tires, brake pads and rotors, water pumps, suspension parts and timing belts.

    Check your owner’s manual for the manufacturer’s recommended maintenance schedule. If you don’t have the manual, any reputable shop can check the schedule for your car and tell you exactly what you’ll need to do and how much those repairs will cost.

    Postpone that work, and you’ll run a greater risk that your car will break down and stick you with an even bigger repair bill once you’ve been towed to the shop.

    Take the timing belt, for example. It connects the crankshaft to the camshaft and controls the opening and closing of the valves in your engine.

    Replacing a timing belt often costs $600 or more. But if you don’t do it, you can pretty much count on a worn-out timing belt breaking at some point, seriously damaging your engine.

    Then it would cost $2,000 or more to get it running again.

    Also, watch for two signs of big trouble:

    • Blue smoke out the tailpipe means you’re burning oil, which very likely indicates the oncoming need for an engine replacement. (A little white smoke until the engine warms up is OK.)
    • Slipping between gear changes means your automatic transmission is failing. (Slipping is where the engine revs up without any appreciable increase in speed.)

    Add up all of the repairs and maintenance you’ll need to do over the next year, and compare it to the trade-in value of your car.

    If you’ll have to spend more than the car is worth to keep it on the road for another year, then it makes financial sense to invest that money in a new ride.

    Step 4. Recalculate your costs using past repair bills.

    You aren’t finished if that comparison falls on the side of keeping your old car, especially if it’s not a decisive difference.

    Mechanics can’t look at your car and predict everything that’s likely to break over the next year, so maybe you didn’t have a list of estimated future repairs in Step 2.

    That doesn’t mean you’re not going to have any.

    Reliability guides, such as the ones from Consumer Reports. provide entire lists of problems that consistently plague almost every make and model as it ages.

    In fact, here’s a pretty tried-and-true rule of car ownership: The older your car gets, the more stuff breaks.

    Average cost of car loans

    Source: Interest.com weekly survey of major lenders from April 30, 2014.

    Is It the Right Time to Sell Your Car? Adviser: Car Advice on How to Sell a Car #auto #zone


    #sell a car
    #

    Is It the Right Time to Sell Your Car?

    For the majority of people trying to sell a car, it’s impossible to predict when the right buyer will come along or when you’ll get the best deal on a trade-in. Even if you’ve immaculately maintained your car, priced it right and placed a great ad. a responsible buyer who wants a car like yours is no guarantee. But while there is undoubtedly a little luck involved, timing is a much more important factor when selling a used car.

    Here are five questions to ask if you’re not sure that now is the right time to sell.

    Are you still paying your car off? If so, find out whether you’re “upside down” on your loan. Being upside down simply means that you owe more on your car than it’s worth—an unfortunate reality for many vehicle owners. Selling your car while upside down will result in a financial hit that may be difficult to absorb. Refinancing your loan may help you close the gap more quickly, but the best advice if you’re upside down on your loan is to hang on to the car as long as possible.

    To repair, or not to repair? Your old car may have some mechanical or cosmetic issues that would probably make it less attractive to potential buyers. However, don’t assume that you need to get everything fixed before selling your car, especially if you plan to trade in.

    “If you sell privately, I would recommend taking the time to get minor things taken care of, like new tires or brakes – anything that doesn’t cost too much,” says Tye Frazier, AutoTrader.com’s Customer Adviser. “For major repairs consider dropping your asking price, then find out the average cost of repairs in advance and use that to your advantage to let the buyer know that they are getting a good deal.”

    So be prepared to do some math if you own an older car, and ask yourself if the cost of a repair will be equal to its value in the eye of a potential buyer.

    How’s the weather? Your used car, like anything else for sale, is subject to many economical factors. including the simple laws of supply and demand. Understanding the market can help you pinpoint the right time to list or trade in your car. This can be as simple as taking a look out the window. Your convertible or sports car won’t be as appealing when the roads are iced over, but those conditions will be a huge selling point for your all-wheel drive SUV.

    On the other hand, “you never know who is searching for a vehicle,” Frazier says, “If you’re in New York in winter and someone in California likes your convertible, he may buy it.” In this case, however, you may want to consider a Run ‘til It Sells ad if you’re privately selling since your car may take a little longer to sell.

    What’s the price of gas? On a similar note, gas prices go a long way toward governing the latest automotive trends. A major consequence of the 2008 gas crisis was a drastic spike in demand for hybrids and fuel-sipping subcompacts. Many used SUV and truck sellers who waited for gas prices to return to normal levels were rewarded for their patience.

    What’s hot in your area? To get the best sense of your local used car market, do some research right here on AutoTrader.com. The information you acquire from your AutoTrader.com search results can help you determine when to list, and it can also help you set some realistic expectations for what kind of return you’ll get.

    The easiest way to gather useful data is to save a search on MyAutoTrader. Signing up is free, and it’s the best way to track what’s going on in your area. For example, repeating a search in your area over the span of a few weeks can tell you how long cars like yours are staying up on the site, how much they’re listed for, and how much competition you’ll have when you try to sell. MyAutoTrader can even send you an email to alert you when a car matching a certain description goes up on the site.

    Though luck plays a role, there are many factors that can help you figure out the best time to sell your car. There’s no way to predict when the right buyer will call, but if you answer the questions above and use that information to your advantage, you can certainly help sway the odds in your favor.

    Andrew Golaszewski is a staff writer at AutoTrader.com.

    First Time Auto Buyer Program


    #auto buyer
    #

    First Time Auto Buyer Program

    Are you ready to buy your first car? If so, we can help with our First Time Auto Buyer Program.

    This loan type is designed for those who have little to no credit and are ready to embark on the purchase of their first automobile. This loan comes with low rates, manageable terms and is an excellent way to establish a credit history.

    Planning is important to prevent surprises when you buy your first car. We offer guidelines on vehicle searches and online resources, as well as our friendly loan professionals are experienced in vehicle lending and can guide you through many of your auto buying considerations.

    In order to get started, please review the topics below. You will find:

    • Qualifications and Program Details
    • Lending Definitions
    • The First Time Auto Buyer Quiz .
    • When you submit the quiz, you will be directed to the Application Form .

    Qualifications and Program Details:

    Please note, to apply for the First Time Auto Buyer Program, you must be a PrimeSource Member (or Eligible for Membership) Click here for complete PrimeSource Eligibility guidelines.

    • Must be at least l8 years old and able to repay the loan
    • Must be employed for a minimum of one year or have a qualified co-signer
    • No more than 12 months of auto loan payment history reflected on credit report and no derogatory credit may be present
    • Minimum gross monthly income requirement is $1,000.00
    • Monthly payment to not exceed 20% of gross income, including insurance premium
    • Proof of auto insurance required
    • Maximum loan amount is $15,000.00
    • Terms up to 72 months
    • Maximum Loan to Value 95% with a minimum 5% cash down. Minimum cash down requirement is not required when a qualified co-signer is provided
    • Must complete the First Time Auto Buyer Quiz prior to applying for the First Time Auto Buyer Loan

    Membership Eligibility Requirements

    Subject to membership eligibility, click here for details.

    PrimeSource can provide assistance with your auto buying decisions before you buy!