Cheapest cars to insure 2016, what is the cheapest insurance company.

#What #is #the #cheapest #insurance #company


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Cheapest cars to insure 2016/2017

What is the cheapest insurance company

Looking to cut your car insurance costs? The best way is to look into one of these – the cheapest cars to insure in the UK

Car running costs don’t stop at buying and fuelling it. One of the biggest costs that drivers particularly face, especially young people, is insurance. Finding the cheapest car to insure can really help keep your bills down.

Insurance costs are based on a number of factors. As any 17-year-old trying to insure their first car will know, it’s not necessarily about the value of the vehicle – though this does change the cost, it’s not uncommon for one years premiums to exceed the value of the car.

The easiest way to figure out which cars will be the cheapest to insure is to look at the group rating. The lower the number, the better – insurance groups start at 1 and go all the way up to 50. Ever car in this list is rated group 1 or 2.

It’s not just about picking a car and going back to your usual insurer, though – shop around before you buy a new car and see which is cheapest for you. For some people one of these cars might be cheaper than another, and it could be different for someone else – the only thing we can be sure of is that cars with a low insurance group number will generally be cheaper than those without.

Comparison websites are useful for getting quotes, but do remember that some companies do not advertise on these sites – and you may get a better deal by phoning them, even after getting an online quote.

Check out our list of the best first cars to see our favourites for young drivers, but if insurance cost is your biggest hurdle to car ownership then make sure you check out the list below. It doubles as a list of solid, affordable first-car choices as well.

Cheapest cars to insure 2016

Click the tabs on the top left of this page or the links below for full details on the cheapest cars to insure in the UK at the moment.

All of the models listed in alphabetical order above fall into insurance groups 1 or 2 but if none of them appeal, just keep reading.

What is the cheapest insurance company

Cheapest cars to insure continued…

Below is our list of the cars with low insurance costs that didn’t quite make it into our main run-down of insurance group 1 and 2 cars. These cars have models in their range that fall into insurance group 3 or 4, but will still help keep your insurance premiums in check.

• MG 3 – lowest ins. group: 4

First Cars on Auto Express.

What is the cheapest insurance company

Everything you need to know about learning to drive, getting your driving licence and choosing your first car.

Learning to drive

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  • Driving theory test: everything you need to know

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Property Damage Liability Insurance: What It Covers – How Much to Buy

#what #does #auto #liability #insurance #cover


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Property Damage Liability Insurance: What It Covers How Much to Buy

Property damage liability coverage helps pay for damage to someone else’s car or other property due to an accident you caused, up to the policy’s limits. It will also cover damage you may cause to structures and stationary objects, including houses, stores, offices, trees, fences, guardrails, lamp posts, telephone poles, and more.

Property damage liability insurance does not cover damage to your own car. To repair that damage, you will need the physical damage coverage of your collision and comprehensive policies.

Property damage coverage is one of two types of liability auto insurance. The other, bodily injury liability insurance. covers injuries to the other driver and any passengers. Some minimum amount of both types of liability car insurance is typically required by states.

We’ll discuss exactly how property damage liability insurance works, what it costs, and how much you need below.

How It Works

Liability insurance packages come in two varieties: combined single limit policies and split limit policies. In a combined single limit policy, your policy will offer a certain amount of coverage, and you can decide how to divide that coverage between bodily injury and property damage.

When it comes to split limit policies, however, your insurance company will decide how much it will pay out for each type of liability coverage. You will often see such policy packages described using a numeric shorthand like this:

25,000/50,000/20,000 or 25/50/20

While the first two numbers apply to bodily injury coverage, we’ll focus on the last, which applies to property damage coverage. In this example, this policy would pay up to $20,000 to repair damage to others’ property in an accident you caused. Let’s look at two scenarios.

Scenario 1: Minor damage. Let’s say you swerved to avoid a squirrel, hop the curb, and hit a neighbor’s fence, causing $5,000 in damage. Your policy would completely cover the cost to repair or replace the fence.

Scenario 2: Major damage. Let’s say you are driving on the highway when you lose control of your car and hit two vehicles, causing $5,000 damage to one car and totaling another car worth $20,000. Your policy would pay up to $20,000, but you would be responsible for the remaining $5,000 in damage.

How Much Is Required?

Most states require drivers to carry a minimum amount of bodily injury and property damage liability insurance. Your state’s minimum property damage liability coverage amount is provided in the map and table below.

Minimum coverage requirements last updated November 2014

Note that some states give you the option to forgo car insurance if you have enough assets to “self insure.” In these states, you may have to deposit significant funds that could be used if you caused an accident, or post a bond. If you—like the vast majority of drivers—opt not to “self insure,” then you are required to meet at least the minimums above.

How Much Does It Cost?

When purchasing property damage liability insurance, consider how much it would cost to purchase more coverage than required by your state. You can use the WalletHub Car Insurance Calculator to compare quotes for different levels of property damage liability coverage.

The table below provides an example of the average additional cost drivers in Los Angeles may incur annually if they increase their property damage liability limits above a baseline of $10,000.

Added annual cost for additional coverage

Property Damage Coverage Limits

From $10K to $25K

Note: Average calculated from quotes by multiple insurance providers for a 37-year old female with excellent credit in zip code 90001 driving a 2008 Honda Accord.
*Monthly cost also includes $50,000/$100,000 bodily injury liability insurance and collision and comprehensive insurance with $500 deductibles.

How Much Coverage Should I Buy?

Most state requirements are relatively low, and property damage costs can easily exceed those limits. While the Insurance Research Council found that the average property damage liability claim was just over $3,000 in 2012, you could easily exceed the minimum required coverage if you damage or total a new, expensive car in an accident. The average new car costs over $30,000 today, according to TrueCar.com. Keep in mind that if the damages exceed your limit that the other party may sue you for the difference, putting your savings and assets at risk. We recommend you buy maximum property damage coverage you can afford.

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Editorial Disclaimer: Editorial content is not provided or commissioned by financial institutions. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only.

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What Can You Do With a Music Degree? 70 Careers – Salaries Revealed – Music School Central, what can you do with a masters in public administration.

#What #can #you #do #with #a #masters #in #public #administration


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What Can You Do With a Music Degree? 70+ Careers Salaries Revealed

What can you do with a masters in public administration

The opportunities for a musician to succeed are so much larger than meets the eye.

It is true that orchestral/ensemble/solo performance as well as teaching are the two most popular careers in music.

While these career paths can be exceptionally rewarding to those who are passionate about the vocations of teaching and performing, the reality is that there are many, many more options that are available to those who have a music degree.

In fact, whether you can believe it or not, there are over 70+ exceptional and yes, lucrative careers you can pursue with a music degree.

That’s right over 70(!) careers are available to those with a music degree. I bet you never knew that.

It’s true that some of these careers might require functional knowledge outside of the core requirements of your music degree and possibly even require a specialized degree. For example, if you want to get a job as a grant writer for a music organization, working as an intern at a non-profit arts organization could provide you with the necessary skills for learning how to write grants. Also, taking a grant-writing class at your university could assist tremendously.

So let’s get into it. Here are 70+ careers, listed alphabetically, that are available for musicians who have successfully graduated with a music degree.

The Careers Salaries, Listed Alphabetically

A R Administrator

Provides high-level personal and administrative support to an A R (Artists Repertoire) Representative.

A R Representative

Scouts talent for record labels to sign to recording contracts.

Accompanist

What can you do with a masters in public administration

Performing in collaboration with an ensemble. Not entirely different from being a collaborative pianist.

  • Job Scenarios: Accompanying students in different music schools, ensemble auditionees, church choirs and congregations, dance classes, concerto rehearsals, and with other musicians in a collaborative setting.
  • Salary: Typically by the hour, usually between $30-75/hr.

Agent

Individual who books gigs for an artist or band/ensemble using relationships with clients such as club owners.

  • Job Scenario: Working directly with an artist or an artist management company.
  • Salary: Usually a commission of what the artist makes at the show, around 15%. A full-time agent can make great money in this profession, with the top agents in the world making millions.

Alexander Technique Instructor (Music)

Instructor who works with musicians showing them how to normalize levels of physical and mental tension in their performing.

  • Job Scenarios: Usually as an independent instructor.
  • Salary: Not very much data is available for this career, but a successful and active clinician in this field can make $40,000 $70,000+.

App Development

What can you do with a masters in public administration

Music apps are exceptionally popular and always need consulting, testing, and / or development from actual musicians.

  • Job Scenario: As an app developer or working on an app with another company, either a start-up or established business.
  • Salary: Employed app developers typically make between $80,000 $100,000 (Mashable)

Arranging

Musical reconceptualization. In other words, it can range from orchestrating a composer’s piano score to developing and reharmonizing a composer’s melody or song.

  • Job Scenarios: Many professional film composers have arrangers on their staff in order to complete a film score quickly. In jazz, we see people like Gordon Goodwin and Christian McBride making clever arrangements for big bands.
  • Salary: $20,000-$45,000 annually (Berklee College of Music Salary Guide)

Artist Manager

Negotiates business deals on behalf of the artist. Also has input on the creative and marketing ends of an artist.

  • Job Scenarios: Either independently or with an artist management company such as Columbia Artists Management.
  • Salary: Up to 50% of what the artist makes.

Arts Administration

Performs tasks for an arts organization. Can be as simple as basic clerical duties or as advanced as grant-writing and events planning.

  • Job Scenarios: Working in an arts organization. Some established arts organizations with large arts administration staffs include major orchestras and creative venues like the Brooklyn Academy of Music.
  • Salary: Between $30,000 and $50,000, with opportunities for advancement into higher positions in the organization.

Audio Engineer

What can you do with a masters in public administration

Audio production specialist concerned with how sound is manipulated, recorded, and mixed in an audio recording. For someone specializing in acoustic sound, please see sound / acoustic engineer below.

  • Job Scenarios: As a freelance recording engineer, in a college/university recording studio, in a commercial recording studio, etc.
  • Salary: Median pay is approximately $45,000, according to audioengineeringschools.net

Blogger

A journalist, writer, or commentator who writes about a specific subject and sells products, memberships, and advertising space on their websites.

  • Job Scenarios: Honestly, you should start your own blog if you want to get paid well writing articles for other people exclusively does not usually lend itself to a lucrative blogging career, unless you get a job at a place like Rolling Stone Magazine. Get a domain and hosting space from either BlueHost or GoDaddy, download a premium theme from Themeforest, and you are good to go.
  • Salary: $0 $100,000+ (It sounds crazy, but I know bloggers, albeit usually in other spaces, that make around a half million a year).

Broadcast Engineer

Oversees the “airchain,” or the complete path of an a/v signal from origin to destination, for a television or radio station. Requires a background in audio engineering and possibly knowledge in electrical engineering.

  • Job Scenario: Employed by a television company or radio station, or as an independent contractor.
  • Salary: Average is $70,000 (Glass Door)

Business Management

Starts and/or oversees the day-to-day operations of a music business, including a performing arts venue, nightclub, music store.

  • Job Scenarios: Overseeing various music businesses, such as record labels, clubs, performing arts centers, etc.
  • Salary: $45,000 $150,000+ (higher if you are an executive director)

Chamber Musician

What can you do with a masters in public administration

Performer in a classical chamber ensemble, either performing in an already established ensemble or starting up your own ensemble.

  • Job Scenario: Traditionally, chamber musicians would play recitals with acoustic instrument groups in concert halls. Today, the scene is rapidly changing, with many groups performing amplified in “downtown venues.” Some traditional chamber ensembles include the Guarneri String Quartet, the Canadian Brass Ensemble, etc. Less traditional and more innovative groups include the Kronos Quartet and the young entrepreneurial ensemble Groupmuse.
  • Salary: Varies tremendously based on a number of factors. Many chamber music groups make money in academic residencies, performing various gigs and weddings, merchandising their brand, selling cds, etc.

Want to know the true step-by-step method for attaining the music career of your dreams? Check out How to Start a Music Career The Ultimate Guide.

What can you do with a masters in public administration


Cars in Bankruptcy: What Happens To My Car if I File? #sherman #auto #parts


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Cars in Bankruptcy

Can You Keep Your Car If You File Bankruptcy?

Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

  • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
  • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
  • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

What Happens When You File for Bankruptcy?

Get answers to your bankruptcy questions.

Learn how you may be able to use bankruptcy to save your car, home or other assets.

For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

Car Loans Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

Reaffirmed debts are not discharged and the debt survives the bankruptcy.

If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

As you can see, the decision to reaffirm your car loan is a serious financial matter.

Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

Car Leases in a Chapter 7

If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

Car Loans in a Chapter 13 Reorganization

If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

The good news is that the interest rate you pay on your car loan may be significantly reduced.

For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

Speak With a Bankruptcy Attorney About Protecting Your Car Today.

If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.

What – s the Right New Vehicle for Me? Feature – Car and Driver #auto #italia


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What s the Right New Vehicle for Me?

With so many cars on the market, one is perfect for you. But which of the more than 400 choices is it?

Feature

When Car and Driver editors buy cars, emotion often trumps logic. We love performance, so practicality isn t a major consideration. But for many buyers, a car is a rational choice; they buy what they need to transport themselves and their loved ones as safely, comfortably, and cheaply as possible. It s a smarter way to buy, but it isn t any easier. With more than 400 new cars to choose from, how do you pick the right one?

Start by considering a series of questions, but beware: Once you find the car that fulfills your every need, an emotional connection may well form whether you like it or not.

What Kind of Car Do I Need?

Forget the number of models available, the number of body styles alone can be overwhelming: coupes, sedans, station wagons, crossovers, SUVs. How do you decide what you need?

Coupe/ Convertible : If you want a car that makes a statement about you, coupes and convertibles are typically the most expressive designs, but restricted access to the back seat (if the car you are considering even has one) seriously limits their practicality.

Sedan : If there are kids in the picture or in the near-future plan, four doors are a likely requirement. Even if children are small enough to ride comfortably in the back seat of a coupe with any regularity, consider the difficulty of constantly climbing into and out of the back seat to tend to a child before committing to just two doors.

Hatchback : If you add another door bringing the total to five you re looking at hatchbacks and station wagons, which offer SUV-like space without the dynamic and fuel-economy compromises of heavier vehicles. These cars are pariahs in the U.S. market, but many buyers are starting to reconsider, as fluctuating fuel prices and increasing environmental awareness have them thinking twice about crossovers and SUVs. As manufacturers get increasingly creative and design ever more stylish hatchbacks their roofs are sleeker than wagons the market is warming to the segment.

Station Wagon : Station wagons have perhaps the worst reputation of any body style on the market, but we re fighting to change that. They offer the best attributes of a car without the trade-offs of larger crossovers and SUVs. The Mazda 6 wagon actually had more passenger and cargo volume than the Mazda CX-7 crossover, was quicker, and got better fuel economy. It was so immensely unpopular that it was discontinued last year, and a forthcoming CX-7 promises a weaker engine in an effort to reduce fuel consumption.

SUV/Crossover : Jack up the ground clearance of a hatchback or station wagon, and you have a crossover or an SUV. Do you need that ground clearance? Probably not. When was the last time your road didn t get regularly plowed or cleared? Sure, it happens most often to those of us in the northern part of the country, and that s a few times a winter but the fuel-economy penalty of opting for a taller and heavier vehicle is something that affects you every time you start the car.

Of course, the higher seating position of a crossover or SUV is something many people enjoy, for its increased visibility and for the ease of entry and exit as the seat is at a more natural height. But keep in mind that height adds weight, and weight diminishes fuel economy and stability.

Those who tow regularly already know they need something with that capability. But if you need a truck only to tow a few times a year, perhaps renting in those instances is a better alternative to living year round with the fuel-economy penalties of a truck.

Minivan : Those with large families or dreams of such often resist the practicality of the van, but if you routinely haul five or more people, there is no vehicle short of a school bus that will better accommodate six, seven, or eight passengers. A jumbo SUV like a Chevrolet Suburban or Ford Expedition EL has more cargo space, but passengers will find greater comfort in a minivan. A minivan is the perfect family vehicle but normally does without any semblance of soul. A couple of notable exceptions are the Honda Odyssey and the Mazda 5. both of which manage to add an element of driving pleasure to the normally bland family-hauler character.

What Size Car Do I Need?

We say start small. And right off the bat, let s debunk a common myth: Larger vehicles are safer than smaller ones. The safest collision is one you avoid in the first place. Lighter cars are typically more agile and give you a better chance of steering away from a crash rather than gripping the wheel, barreling in, and letting physics punish the other driver.

Before the inevitable If I m going to get T-boned by an idiot in a Navigator, I d rather be in a Silverado than a Mini response, consider that a shorter stopping distance might allow you to come to a complete stop before either car in that scenario ever enters the intersection. Small cars tend to cost less to buy and consume less fuel, too. Driving a smaller, more frugal car makes you look enlightened at least in college towns and northern California.

Also, consider that small cars don t have to be small inside. Thanks to the Manhattan approach of building up instead of out, small cars keep getting more and more spacious. The smallest car currently available in the U.S. is the Smart Fortwo. and it offers headroom within an inch of what you d find in a Cadillac Escalade. Or consider the Nissan Cube. Despite being nearly three feet shorter than the Honda Pilot and weighing almost a ton less, it has more head- and legroom in the front seat, more headroom in the back seat, and only three inches less legroom in the rear. If it s interior space you need, you needn t buy big.

Do I Need All-Wheel Drive?

Probably not. All-wheel drive is seen as a safety feature in wintry climes, but the only difference the average driver will notice with all-wheel drive is the added traction when accelerating. All-wheel drive doesn t increase a vehicle s ability to stop or turn. What most buyers don t realize is just how much difference a set of winter tires can make. And they are cheaper than upgrading to an all-wheel-drive car and won t have the year-round negative impact on your fuel economy that comes with a car having to drive all four wheels all the time.

While we re on the subject, weight does not automatically make a better winter vehicle. Heavy cars and trucks do plow through deep snow better and behave more predictably, but hit a patch of ice, and that weight is just extra momentum to try to control. Again, bigger is not necessarily better.

How Much Power Do I Need?

In our road tests, we always cite 0-to-60-mph times, but the fact is that very few people ever actually use full throttle. Around Ann Arbor, we see more drivers who fear full throttle than those who ever use it. Truck buyers who tow and haul heavy loads need lots of power, but the average car buyer doesn t need any more than is necessary to keep him or her comfortable on a test drive. The buying practice of getting the bigger engine but never using more than half-throttle is like building a four-story house but leaving the top two floors vacant. All else being equal, larger engines use more fuel.

The type of driving you do determines whether or not a hybrid or a diesel makes sense for you. Hybrids tend to use less fuel around town, when low speeds and frequent braking keep them running on battery power longer. Diesel drivers will see their greatest benefits on the highway, although diesel vehicles are more efficient than gasoline cars at low speeds, too.

Either approach will extend your fuel dollar, but be aware of the premiums you ll be paying up front and the distance you ll have to drive to recoup your costs. Of course, that doesn t necessarily have to be a deterrent if you know you ll drive a car more than 60,000 or 100,000 miles, or if you buy a fuel miser on principle.

With a diesel, also be aware of the premium you ll pay for fuel. As this is written, diesel is outpacing gasoline in the U.S. by only about 10 cents per gallon, or five percent a much lower differential than we have seen in the past year. So right now, the 25-to-30-percent benefit most drivers will realize in fuel economy is worth it. But that can change quickly as fuel prices fluctuate.

Could You Please Be More Specific?

For our top choices in every segment the cars we would buy if we were in the market today see our Editors Choice page. Or check out our annual 10Best list of the 10 outstanding cars across all market segments.

What does a Car Radiator do? (with pictures) – mobile wiseGEEK #oreily #auto #parts


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wiseGEEK: What does a Car Radiator do?

To understand what a car radiator does, it might help to understand the nature of the internal combustion engine it protects. A car’s engine has numerous moving parts, and where there is movement there is friction. Friction creates heat. Motor oil is pumped throughout the engine block to provide some lubrication, but it isn’t enough to overcome all of this excess heat energy. As a result, parts of the engine become boiling hot as part of normal operations.

This is where the radiator system comes into play. The engine block must be kept relatively cool to avoid serious problems like overheating and seizure. If the pistons cannot slide freely in their cylinders due to excessive friction, they will eventually snap and cause total engine failure. To prevent this from happening, a mixture of water and anti-freeze is pumped through chambers in the engine block to absorb the excess heat and draw it away from vital areas.

When this superheated engine coolant exits the engine block, it returns through a large rubber hose. This component is designed to maximize surface area through a significant number of internal folds and chambers. As the hot engine coolant moves through these nooks and crannies, excess heat is drawn out through the walls. An electrical or belt-driven fan may force cooler outside air through the radiator to accelerate this cooling process. As the car moves, the front of the radiator is also cooled by the outside air coming through the car’s grill.

By the time the superheated engine coolant has made its way through all of the chambers, it should be cool enough to make a return trip through the engine block. However, if the coolant flow should be reduced by a blockage or loss of fluid, the engine block will not be cooled down and the remaining engine coolant will boil over. This is why maintaining a full coolant level is so important, especially during hot weather or long drives.

A radiator does not contain any electronic parts of its own — special sensors register the temperature of the coolant as it exits. Engine coolant does not have to be especially cool in order to be effective, so there is usually a wide range of temperatures considered to be within normal parameters. If anything goes wrong with the radiator itself, such as a leak or broken hose, the operating temperature of the car can reach a dangerous level within minutes. The engine must be allowed to cool down naturally before the vehicle can be driven safely to a mechanic.

What does the invoice price mean? #chevrolet #auto #parts


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What does the invoice price mean?

How is it different than MSRP?

Even though it may say “Chevrolet” or “Honda” on a dealership’s billboard, dealers still have to buy cars from the automakers; this transaction is where invoice and manufacturer suggested retail price come into play.

Simply put, there’s a price that the dealership pays for a car, called invoice price, and then there’s the price that automakers want the car sold at, called the MSRP. You can find these numbers listed on Cars.com in our Research section. Dealerships will try to sell a car at the greatest profit to them — they’re a business, what do you expect? And that means selling as close to the MSRP as possible, though you can usually score a price lower than the MSRP.

Although we can say it as simply as possible, invoice and MSRP prices simply aren’t that simple. The Cars.com article “Getting the Best Deal: Purchase Price and Trade-Ins” explains why:

“For most vehicle makes, the published invoice price is not the true dealer cost because of dealer holdback. Holdback is a portion of a car’s sales price (typically 2 percent to 3 percent of either the invoice price or MSRP) that an automaker returns to a dealer, usually on a quarterly basis. It’s a way of boosting the dealer’s cash flow and helps the dealer keep his lights on.”

More and more consumers are entering dealership lots armed with an invoice price and MSRP in hand. Although these are important numbers to know, they shouldn’t be relied on solely during negotiations as the price you expect to pay. A good starting price — and a more realistic number for negotiations — is the Cars.com Smart Target Price, which is calculated considering invoice price and MSRP among many other factors; like vehicle availability and demand. On most cars; the Smart Target Price lies somewhere between invoice and MSRP.

Reconditioned Car Batteries for Sale: What to Know. #napa #auto #parts


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Reconditioned Car Batteries for Sale: What to Know

Reconditioned car batteries for sale can be a viable option if you need a battery for a low price. Many people who have used batteries and get a new one then need to find a car battery recycling option. One of their options is to sell their battery to an auto shop, which will then produce a refurbished car battery. Here are a couple of things to know about these used batteries.

Long Lasting?

Many people believe that since the batteries have been recharged that they will then last as long as a new car battery. This is not true, because batteries can only be charged so many times. After it hits a certain mark, you will lose power.

The memory effect is a phenomenon that occurs with reconditioned batteries. As the battery loses power over time, it will only be able to charge to a certain point. The battery then remembers this point, and won t charge past it. This can happen pretty soon after you buy the battery, so be aware of this.

Car batteries are very expensive. It is what makes hybrid cars much more expensive than their non-hybrid counterparts. Since car batteries are expensive, buying a reconditioned battery may be a better option for you depending on your financial state. However, it should not be thought of as a permanent option, but more of a stopgap solution until you can afford a new battery. If you only plan on using the battery for a year or two, you should be in the clear.

SHORT TRACK AUTO RACING. COM – WHAT IS WRONG WITH SHORT TRACK RACING AND HOW WE CAN FIX IT #auto #advance


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SHORT TRACK AUTO RACING. COM

SHORT TRACK AUTO RACING. COM

It is time for the short track racing community to have a serious and thoughtful discussion about what we are doing and what we need to do to improve our racing. That is my goal. Please understand that I am a rookie at writing. I am going to say some things that some people won t like, but I am not trying to offend anyone. My purpose is to stimulate a discussion. The more ideas put forth,the better the odds that we, as a group, can identify what needs to be done. At present there are a number of conversations going on about this subject and that is a good start, however these discussions tend to be isolated in that fans talk about what fans want, racers talk about what racers want, etc. I think what is needed is fans, racers, and promoters all included in the same discussion. We are all in this together, we all want better racing, and we all know that the current situation is not working.

I am sure the first question you will have is why does this guy think he is qualified to say these things? Good question. Over the last 50 years I have been a driver, owner, owner/driver, crew member, and spectator. I have also been involved on the promotion side of racing. I have built racing engines, racing parts, and complete race cars and motorcycles. I have been in drag racing, off road racing, short track racing, and motocross. You can put whatever value you want on that.

Short track racing in Southern California is what I want to discuss. My comments are aimed at dirt track racing, but some of this discussion applies to asphalt tracks as well. Currently short track racing has a shortage of race cars and a shortage of fans. There is no shortage of opinions about what caused this. Let s see if we can sort through all these ideas and opinions and come up with the fixes we need.

I have set this up as 2 pages. The first page is what I believe are some of the problems causing a decline in short track racing. This isn t all the problems and I plan on adding to this list. The items are numbered. The second page is a list of possible fixes for the problems (also numbered). You can comment on the problems and/or fixes in general or if you want to comment on a specific item you can reference that items number. Please keep it clean and on topic. This is important for the future of short track racing.

What to Do About Auto Loans for People with Very Bad Credit #auto #battery #reviews


#auto loans for people with bad credit
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Do Car Loans for Very Bad Credit Scores Exist?

While a payday loan may seem like a good way to get cash when you need it to buy a car, there are better alternatives out there, even when you need very bad credit financing. One of these alternatives is car loans for people with bad credit from AutoNet Financial.

They are meant to appeal to people who need cash quickly and have no other way to get it. In order to qualify for this type of loan, you need a job and some type of income verification (your employer can’t be paying you under the table with cash. Typical loan amounts range from $100 to $2500, while the duration of the loan is usually 2 weeks. Interest rates are loosely regulated by the states for these amounts and average 25% per month (unlike a very bad credit car loan. payday loan interest is computed monthly, not yearly).

In addition to interest charges, the loan company usually assesses an origination fee. Many of the storefront locations these companies operate out of also offer check cashing services, pawn loans and car title loans.

Real Bad Credit Car Loans – Why They’re Better

Here is a typical payday loan scenario when you need a car loan. Let’s say you take out a $2500 payday loan to buy a car instead of choosing car loans for people with very low credit. You give the auto loan company your employment information and a copy of your last pay stub. You pay them the $15 origination fee and sign a document that says you will pay them $625 in interest (25% per month) plus the $2500 in principal in 2 weeks. If you don’t have the entire amount in 2 weeks, the loan company will allow you to roll over the loan for another 2 weeks, provided you pay them the interest amount. Most states will allow this type of rollover to occur at least four times.

What is the true cost to borrow this money? Well, let’s take a look. If you ended up rolling over the loan four times, for a total of 2 and a half months, it would look like this:

  1. $15.00 in origination fee plus
  2. $2500.00 in interest charges

This amounts to a total of $2515.00 in interest and charges to borrow $2500.00. This equates to an annual interest rate of over 100%. One other thing: if you don’t pay the principal back, the loan company can garnish your wages – which can be quite embarrassing, to say the least.

Very Poor Credit Auto Financing

A better alternative to payday loans are very bad credit car loans from buy here pay here dealerships. These loans feature:

  • At least a 36 month repayment term, repayable in installments;
  • No personal check mechanism or other unfair collateral. Your car is the collateral.
  • Full consideration of the borrower’s ability to repay the loan – the lender reviews your poor credit history for car loans and bases the loan amount on your ability to repay the loan

If you are considering a payday loan, you should also remember that they do little to help you get back on your feet – much less reestablish your credit history and raise your FICO score.

If you are not planning on buying a car with a payday loan and, instead, use it to pay off bills, you should know that a better alternative to payday lending is for you to deal directly with your debt. Many creditors will negotiate partial payments if a payment plan is in place. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.

Some employers will allow paycheck advances to employees. Because this is a true advance, and not a loan, there is no interest and the advance is much cheaper than a payday loan.

Payday loans are a type of lending that is considered predatory and should be avoided by consumers at all costs. If you have had poor credit in the past and you need to reestablish your car credit and raise your credit score, you should consider car loans for people with low credit.

We have 20 years of practice in special finance and work directly with special finance car dealers and the leading automotive financing lenders throughout all of North America. The knowledge and expertise we have gained through years of bad credit car loan financing for people enables us to give you the best assistance possible for your personal situation.

What s cheapest car insurance companies? Online Auto Insurance #auto #sport


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Online

What s the Cheapest Auto Insurance Company?

People often ask, What is the cheapest auto insurance company? Of course, we all would like to find it and pay cheap rates to keep our expenses low. But the reality is that there really is no single company that s the cheapest one of them all. But there is a tool to help drivers compare rates from multiple auto insurance companies and make a choice based on the best rate for them particularly.

Compare and find the cheapest auto insurance companies and quotes:

currently insured: yes no

Understanding how the rating process works is important for the purpose of finding cheap coverage from quality companies. Insurers adjust their rates according to their profits and losses.

  • Example A:
    • If a company has to pay out a lot of money on claims for certain categories of drivers, they can raise rates for those categories in order to compensate for the losses they have caused.
  • Example B:
    • If a company has had a large profit for a certain category of drivers because of few claim payouts, they can offer lower rates to those motorists, increasing the number of policies sold and consequently increasing profit.

There are many factors to look for in car insurance companies other than just price. Consumers should make sure they also take these other factors into consideration.

If drivers purchase coverage that didn t cover any damages other than those to others in order to keep the premium at its lowest, they may regret it if their own damages are left uncovered in an accident. Determine which coverage is best, and then find the lowest price for that exact protection. It s comparing apples to apples to determine which is least expensive.

The tool to find cheaper rates is the Internet. Compare auto insurance online from a bunch of companies with one simple process. You don t need to contact each one individually; just complete one single form.

Questions on Finding Cheap Insurance Companies

Auto insurance companies are both unique and competitive in how they rate motorists, and like many other products, there are usually distinct price differences between businesses. Individual insurers may target motorists in specific markets, meaning that the.

Everybody would love to know which company is cheaper than all of the others, if that were the case there would probably only be one out there. The truth of the matter is that there is no such thing a the “cheapest”. So, while a friend may be paying a low rate with their provider, this may not necessarily mean that they can offer the lowest rates to others. This is due to the simple fact that insurers view and weigh each individual’s personal statistics to generate a.

News about Insurers with Low Costs

July 28, 2014 – GEICO spent hundreds of millions more in advertising dollars last year than other personal insurance carriers, according to a recent report. GEICO’s $935.1 million in ad expenditures increased less than a percentage point between 2012 and 2013, but the company still spent $280 million more than Allstate, the next-highest spender.

April 08, 2011 – Auto insurance provider AAA released this week its 2011 Your Driving Costs study, which showed that the price of insuring a sedan dropped 6.1 percent while overall driving costs rose 3.4 percent since the publication of last year’s study. According to AAA, the.

What – s Best: New Liquid Glass Legend or a Carnauba Wax? #auto #detailing


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What s Best: New Liquid Glass Legend or a Carnauba Wax?

We recently received the question, Is the Liquid Glass Legend better than a carnauba wax? The answer is the not-so-simple It depends!

It depends on your goals. If you are looking for supreme shine and longevity is no issue because you re constantly detailing, go for a premium carnauba wax. It is the standard by which all paint enhancement products are measured. You ll see paint sealants marketed as having a carnauba-like shine. Carnauba waxes are more typically used to prepare cars for car shows because the shine is warm, reflective, and deep.

Let s say durability is your top priority. You prefer a glassy, slick shine and a low maintenance finish. Liquid Glass Legend is for you. This New-Age carbon/PTFE finish utilizes the hardest natural element on earth carbon to protect your vehicle s paint and maintain its showroom luster. Liquid Glass Legend can withstand just about anything the environment can throw at it. After 25 coatings, the finish is even chip-resistant.?

Whereas carnauba wax seems to transform the paint itself, Liquid Glass Legend looks like liquid glass poured over the paint and hardened. It s slick and mirror shiny. Liquid Glass Legend requires very little maintenance. Just wash your vehicle regularly.

So to answer the question, Which is better? both carnauba waxes and Liquid Glass Legend have their place in a detailer s garage. The better LSP (last step product) is in the eye of the beholder.

What Is Full Coverage? #auto #light #bulbs


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What Is ‘Full Coverage’?

People often talk about having their cars “fully insured.” But for those who don’t really know the ins and outs of auto insurance terminology, exactly what does that mean and what type of coverages should they consider?

While there are many auto insurance options you can choose, there’s really no such thing as “full coverage” for your car.

The good news is that there are a lot of things you can do to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses. If you are conscientious and want to make sure you have all the types of coverage that are available, here is a list of several of the common auto coverages you may want to consider:

Liability Coverage

Liability coverage is typically included in all insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in an auto insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

As you probably already know, if you’re buying insurance, all states require some level of liability coverage. Find out your state’s auto insurance requirements here.

Someone who is looking to obtain auto insurance coverage for their vehicle may want to go beyond the state requirements and buy a policy with higher liability limits. This may increase your premiums, but it will also give you greater coverage in the event of an accident.

Cars in Bankruptcy: What Happens To My Car if I File? #auto #shop


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Cars in Bankruptcy

Can You Keep Your Car If You File Bankruptcy?

Many people who file for bankruptcy and own a car are allowed to keep it during and after their case, especially if it is used for getting to and from work.

If you are behind on car payments, you may be able to use bankruptcy laws to keep your vehicle in your possession.

Both types of personal bankruptcy address cars, car loans and vehicles you own outright:

  • The automatic stay in bankruptcy is designed to stop repossession. In most cases, this goes into effect right after you officially file for bankruptcy.
  • Chapter 7 bankruptcy exemptions may protect your car from a forced sale.
  • Filing for bankruptcy under a Chapter 13 may allow you to repay your car loan at a more affordable rate so that you don’t lose your car to collectors.

Keep reading or fill out the below form to ask an attorney if a bankruptcy could help you save your car.

What Happens When You File for Bankruptcy?

Get answers to your bankruptcy questions.

Learn how you may be able to use bankruptcy to save your car, home or other assets.

For a free bankruptcy case evaluation with a local bankruptcy lawyer, complete the below free form:

Car Loans Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed to help eliminate unsecured debts such as credit cards debt or medical debt, but may provide protection for secured debts such as cars.

If you own your car outright, and owe no debts on it, then your car may be fully protected from repossession or forced sale due to Chapter 7 exemptions.

One important aspect when filing bankruptcy is whether you have a clear title to your car. If you have pledged your vehicle as security for a debt, or if you are financing or leasing a vehicle, you likely have three options for secured car loans when you file Chapter 7 .

1. Reaffirm: A reaffirmation agreement is a contract between you and the car creditor in which you agree to pay the balance owed on your car note, despite the bankruptcy filing.

You continue to make payments and the creditor promises that, as long as payments are made, they will not repossess or take back the property.

Reaffirmed debts are not discharged and the debt survives the bankruptcy.

If you do not make your car payments after you reaffirm the car loan, the car lender can repossess the car and sue you for the deficiency balance.

After the finance company repossesses the car, they will sell the car at the auto auction. Usually the finance company does not get enough money from the auction to pay off your loan.This shortfall is called a “deficiency” and you would still be legally obligated to pay the creditor the deficiency balance.

As you can see, the decision to reaffirm your car loan is a serious financial matter.

Reaffirmation agreements are strictly voluntary. You are not required by the Bankruptcy Code or other state or federal law to reaffirm your car loan. Before entering into such an agreement, you will want to speak to a bankruptcy attorney to make sure that the reaffirmation is in your best interest.

2. Redeem: In Chapter 7, you have the right to purchase or redeem your car from the creditor by making a lump sum payment equal to the car’s fair market value.

The U.S. Bankruptcy Code provides that you must pay the creditor the replacement retail cost of the car. The balance of the debt will be discharged.

For example, assume you own a car worth $5000.00, but owe the finance company $10,000.00. In this circumstance, you could redeem the vehicle by paying the creditor $5000.00 and the remaining balance will be discharged in your bankruptcy.

A local bankruptcy lawyer can advise you on the benefits of redeeming your financed car and identifying lenders that will provide the funds for your vehicle redemption.

3. Surrender: If you cannot afford the monthly payments on your car loan or if you determine that you owe more than the car is worth, you can unload the car and the debt in your Chapter 7 bankruptcy by surrendering the vehicle to the creditor.

Car Leases in a Chapter 7

If you are leasing your car when you file Chapter 7 bankruptcy, you can choose to either continue making the monthly lease payments or surrender the car back to the creditor.

If you surrender the leased car, any obligation to repay debt will be eliminated in your Chapter 7 bankruptcy case.

Car Loans in a Chapter 13 Reorganization

If you have fallen behind on your car payments, you may be able to file a Chapter 13 bankruptcy to stop the repossession of your vehicle. The amount you have to pay for your car depends upon when you bought your car.

If you own your car outright, and owe no debts on it, then your car should be fully protected in Chapter 13.

910 Claims: If you bought your vehicle within 910 days of filing your bankruptcy case, you must repay the entire car loan.

The good news is that the interest rate you pay on your car loan may be significantly reduced.

For example, if you owed $10,000 on a car loan whose blue book value was only $5000, you would be required to pay the entire $10,000 balance if the car was purchased less than 30 months, or 910 days, of filing. In short, debtors who want to keep their cars must pay the full loan amount rather than “cram down” the debt to the value of the car.

Cram Down: If you bought your car more than 910 days before you file bankruptcy, you will only have to repay an amount equal to the present value of the car.

For example, if you owed $5000 on a car that is worth only $2500, upon filing Chapter 13 you would be required to repay the finance company only $2500 over the three-to-five year term of your Chapter 13 repayment plan.

Car Leases Under Chapter 13 of the U.S. Bankruptcy Code

Your car lease usually cannot be paid through the Chapter 13 bankruptcy repayment plan that you devise with your bankruptcy attorney.

You can “assume” the lease and continue making the monthly payments. You can also “reject” the lease and return the car to the creditor.

The creditor will sell the leased vehicle, apply the sale proceeds to your lease balance and then file a claim in your Chapter 13 bankruptcy case for the lease deficiency.

This deficiency is an unsecured, non-priority claim, which means you will likely only pay that creditor pennies on the dollar.

Speak With a Bankruptcy Attorney About Protecting Your Car Today.

If you have questions about how your car will be affected if you file bankruptcy, talk with one of our sponsoring lawyers.

Fill out the form on this page to talk with a local bankruptcy attorney. Bankruptcy laws can be complex and each person’s financial situation is unique. If you’re worried about losing your vehicle, home or other assets, be sure to get the facts from a legal professional.

Don’t wait until the repo truck comes to you door or the foreclosure notices start piling up. Learn how bankruptcy can stop repossession and foreclosure and is designed to silence creditors!

The above summary of bankruptcy law is by no means all-inclusive and is not intended to serve as legal advice. Laws may have changed since our last update. For the latest information on bankruptcy laws, speak to a local bankruptcy lawyer in your state.

Auto emergency kits: find out what items to put in your car’s emergency kit. #mobile #auto #repair


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Auto emergency kit:

Find out what items to put in your car’s emergency kit.

Auto emergency kit: how to assemble an emergency preparedness kit on your own.

A basic tool kit (or emergency preparedness kit) might help you fix a problem that would otherwise leave your car stranded.

For instance, what if the problem is as simple as a loose battery cable? Having a screwdriver or a wrench will get you out of that situation in no time.

The older your car is, the more likely a tool kit will come in handy. If your worn radiator hose is starting to leak or an exhaust pipe is coming loose, duct tape is a great temporary fix. Also put jumper cables in your tool kit. Even if your car doesn’t break down, they’re good to have to help somebody else.

Advance Auto Parts carries a complete line of tools, emergency supplies and pre-packed emergency kits. Plus, of course, a full selection of quality auto parts.

Why should you have an auto emergency kit?

Car reliability has come a long way from the days when blowouts and boil overs were common occurrences, but run flat tires and modern cooling systems can’t prevent every type of roadside emergency.

A recent survey by the AAA revealed that 28 percent of those responding had experienced at least one automotive breakdown during the prior 12 months. Getting stranded on a lonely road, without the appropriate equipment, is every motorist’s worst nightmare.

All of this points to why an emergency preparedness kit is a must for most drivers.

Choose the right tools and items for your emergency kits.

The items you put in your auto emergency kit depend on your climate and geography. For hot, desert areas, bottled water is a must. In cold weather, a blanket is essential.

Visit Advance Auto Parts for the supplies you need for your emergency kits, as well as for our complete line of quality auto parts.

Ssae 16 Type Ii #is #ssae #16 #needed,reports,reviewing #ssae #16,ssae #16,ssae #16 #audit #review,ssae #16 #review,ssae #16 #review #checklist,ssae #16 #reviews,ssae #review,ssae #reviews,ssae-18,ssae16,ssae16 #review,standards,third #party #ssae #guidance #review,who #is #required #to #have #a #ssae #16,who #is #required #to #have #ssae #16,why #get #ssae #16,audit #intensedebate,leave #a #reply: #name #(required): #website: #comments: #submit, #moderation,\’leave #a #reply\’ #\’name #(required)\’ #\’mail #(will #not #be #published) #(required)\’ #\’website\’ #it #services,controls,how #do #you #prepare #for #an #ssae #16 #audit,how #to #prepare #for #a #ssae #16,how #to #prepare #for #an #ssae #16 #audit,new #avenues #for #ssae #16,preparing #for #a #ssae #16,preparing #for #ssae #16,report #writing,ssae #16 #audit #preparation,ssae #16 #consulting #do #we #need,ssae #16 #preparation,ssae #16 #report,ssae #no. #16,example #soc #1 #report,soc #1,soc #1 #report,soc #1 #reports,soc #1 #type #2,soc #1 #type #2 #report,soc #1 #type #ii #report,soc #2,soc #3,soc #i,soc #report,soc #reporting,soc #type,soc #type #1 #report,soc-1 #report,soc1,soc1 #report,soc1 #reporting,soc1 #soc2,ssae #16 #reports,ssae #16 #soc #1,ssae16 #compliant #soc #1,system #and #organization #control #report,what #is #a #soc #1 #report,what #is #a #soc1 #report,what #is #ssae #16 #soc #1 #and #soc #2 #difference,at-c #320,cost,definition #soc #1 #ssae #16,how #ssea #16 #helps #auditors,prices,pricing,soc #1 #audit,ssae #16 #audit,ssae #16 #audit #checklist,ssae #16 #audit #report,ssae #16 #audit #requirements,ssae #16 #auditing #standard,ssae #16 #auditor,ssae #16 #checklist,ssae #16 #cost,ssae #16 #costs,ssae #16 #prices,ssae #17 #audit,ssae #18 #report,ssae #soc #auditing #and #reporting,ssae16 #audit,ssae16 #audit #report,ssae16 #checkilst,what #is #a #ssae #16 #audit,what #is #ssae #16 #audit,what #is #ssae16 #audit,what #is #the #purpose #of #a #ssae #16 #audit?


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The SSAE 18 Reporting Standard SOC 1 SOC 2 SOC 3 Support and Guidance for SSAE18, SOC 1, SOC 2, and SOC 3 reporting standards

Some organizations have heard of SAS 70, SSAE 16. and soon to be SSAE 18. but, don t really know WHY they need to pay to have a bunch of auditors trounce through their company for a month or two during the year, especially right after their financial audit just finished.
The answer is simple: Many companies will not even think about using your company to perform services for them without a clean Type II Report in place.
Some benefits of having an SSAE 16 performed :

  • Ability to perform outsourcing services for Public Companies.
    • If performing financially significant duties for a Public Company, they are required to use a SSAE 16 qualified provider as it is the only way to give investors assurance over controls that are not performed by the Company in question.
  • Public and Private companies are more likely to trust your organization with their data.
    • If you were to trust a company with your data, you would want complete assurance it will be handled with the utmost care
  • A year round accessible knowledge source (your auditors).
    • As a service organization, large or small, you will always have questions regarding your business and having a set of auditors in place with access to a wide array of business knowledge, it will allow you to bounce your questions and concerns off of a group of trusted individuals.
  • A third party to review your controls and activities to ensure they are functioning appropriately, and give advice on how to improve upon them.
    • Sometimes your internal audit department is good, but, not always as stringent as they should be. This will help to serve as a check on their work, as well as your staff. Additionally, if there were any findings noted, your auditors are in a great position to give you some tricks and tips to improve to ensure everything functions well the following period.
  • Improving performance of the organization.
    • Just the knowledge that a review is being performed of an employee s work that can have far reaching consequences for the company as a whole. No more, Oh, I didn t realize that reviewing user access was THAT important to do this month, sorry , now, everyone knows that if it s not done, the success or failure of the organization could rest upon them.

Think of the SSAE 16 or SSAE-18 audit as an annual investment into your company, increasing potential new clients. productivity and accountability .

This tip is focused on designing controls that reflect the process being testing, if they don t, a headache of massive proportions will be created once testing begins.
What do you do to make sure you don t screw this up? Have as many meetings as it takes to get it right.
What you need to do is sit down with the auditors, the department lead, the main employees responsible for performing the process, and anyone else whom could either play a role in testing or modifying the control in the future. Once that is done, Management should discuss what they determined the control to be and how it should operate, that is then reviewed by the auditors, and then the employees performing the tasks should be reconsulted to verify that the control still reflects their process accurately.
Many times people try to speed this process up and half-ass it, leaving many open items which upon testing could easily blow up into a huge problem. When the control isn t 100% agreed upon prior to testing and a deviation is noted, it s a tough call between failing the control and the ability to adjust it to accurately reflect the process. The problem is modifying a control after testing has begun is not proper and needs to be avoided at all costs.
Locking the controls locked down early on could save weeks in wrapping up your new SSAE 16 Report.
We have seen issues like this cause delays in issuing of the report to the client and running additional fees, since adjusting controls isn t free. Coming from the perspective of the auditor, we can let you know the pitfalls, consequences and how to best navigate the audit process. If you have any comments or questions please leave them below!

A SOC 1 Report (System and Organization Controls Report ) is a report on Controls at a Service Organization which are relevant to user entities’ internal control over financial reporting. The SOC1 Report is what you would have previously considered to be the standard SAS70, complete with a Type I and Type II reports, but falls under the SSAE 16 guidance (and soon to be SSAE 18 ).

Please see the following articles discussing the SSAE 16 guidance and additional information related to the SOC 1 (Type I and Type II) Reports:

In addition to the SOC 1 report which is restricted to controls relevant to an audit of a user entity’s financial statements, the SOC 2 and SOC 3 reports have been created to address controls relevant to operations and compliance and will be discussed in further detail in the future.

Please see the SOC 1 Reporting Guide page for additional information.

SSAE 16 is an enhancement to the current standard for Reporting on Controls at a Service Organization, the SAS70. The changes made to the standard will bring your company, and the rest of the companies in the US, up to date with new international service organization reporting standards, the ISAE 3402. The adjustments made from SAS 70 to SSAE 16 will help you and your counterparts in the US compete on an international level; allowing companies around the world to give you their business with complete confidence .

SSAE16 is now effective as of June 15, 2011, and if you have not made the necessary adjustments required, now is the time to find a quality provider to discuss the proper steps. All organizations are now required to issue their Service Auditor Reports under the SSAE 16 standards in an SOC 1 Report.

The soon to be effective, SSAE-18. is expected to follow a similar reporting structure to the SSAE-16 within a SOC 1 report.

Who Needs an SSAE 16 (SOC 1 ) Audit?

If your Company (the Service Organization ) performs outsourced services that affect the financial statements of another Company (the User Organization ), you will more than likely be asked to provide an SSAE16 Type II Report, especially if the User Organization is publicly traded.
Some example industries include:

  • Payroll Processing
  • Loan Servicing
  • Data Center /Co-Location/Network Monitoring Services
  • Software as a Service (SaaS )
  • Medical Claims Processors

What you Need to Know:

Before starting the SSAE 16 process, there are a number of considerations one must take into account that can save considerable time, effort, and money in the long run. Use the following items as a mini checklist for yourself:

  • Does my Company need an SSAE16, or, are we doing it just because someone asked?
  • Reports on the low end can run at least $15,000 a year, will the business lost be less of a burden than the cost of the report itself?
  • Does your company have defined Business Process and IT controls in place, or, will you need assistance developing and implementing them (readiness assessment)?
  • Have you determined the controls in place which affect the outsourced services being provided?
  • Have key stakeholders been defined and included in discussions?

There are many other issues to consider before engaging a CPA firm to help with your SSAE 16, for a more detailed checklist please see The SSAE 16 Checklist

You may have heard SSAE-18 is on the horizon for reports issued as of May 1, 2017. There are some important updates discussed in here: SSAE-18 An Update to SSAE-16 .

As the standard is formalized and the date approaches we will continue to provide more information to help you prepare for these changes.

Abortion Complications, Risks Of Terminating Pregnancy, what is it like to have an abortion.#What #is #it #like #to #have #an #abortion


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What is it like to have an abortion

What is it like to have an abortion

The following quotations are taken directly from medical and psychological studies on teen abortions.

What is it like to have an abortionAbout 20 per cent of all abortions taking place in the U.S. today are performed on teens. Teenage abortion has been linked to a number of physical and psychological problems, including drug and alcohol abuse, suicide attempts and suicidal ideation, and other self-destructive behaviors.

Complications

Types Of Physical Complications

The number and types of physical complications resulting from abortion are as diverse as the various abortion methods. Depending upon the type of abortion performed, physical complications can be as follows:

– Cervical tearing and laceration from the instruments.

– Perforation of the uterus by instruments. This may require major surgery, including hysterectomy.

– Scarring of the uterine lining by suction tubing, curettes, or other instruments.

– Infection, local and systemic.

– Hemorrhage and shock, especially if the uterine artery is torn.

– Anesthesia toxicity from both general or local anesthesia, resulting in possible convulsions, cardiorespiratory arrest, and in extreme cases, death.

– Retained tissue, indicated by cramping, heavy bleeding, and infection.

– Postabortal syndrome, referring to an enlarged, tender and soft uterus retaining blood clots.

– Failure to recognize an ectopic pregnancy. This could lead to the rupture of a fallopian tube, hemorrhage, and resulting infertility or death, if treatment is not provided in time.

Types Of Physical/Emotional Complications

Some women experience immediate psychological problems from abortion. Other women repress feelings of guilt, delaying emotional reactions sometimes for several years and oftentimes triggered by their first planned pregnancy.

What is it like to have an abortion

These complications include:

– Sudden and uncontrollable crying episodes.

– Deterioration of self-concept.

– Sleep, appetite and sexual disturbances.

– Disruption in interpersonal relationships.

– Extreme guilt and anxiety.

– Depression and thoughts of suicide.

New Studies Connecting Abortion To Broader Problems:

Suicide – Compared to pregnant women who had their babies, pregnant women who aborted were 6-7 times more likely to die of suicide.

D. C. Reardon et al, “Deaths Associated With Pregnancy Outcome: A Record Linkage Study of Low Income Women,” Southern Medical Journal 95(8):834-41, Aug. 2002

Substance Abuse – Women who abort are five times more likely to report subsequent drug or alcohol abuse than women who deliver.

American Journal of Drug and Alcohol Abuse, 2000

Among women who had unintended first pregnancies, those who had abortions were more likely to report, an average of four years later, more frequent and recent use of alcohol, marijuana, and cocaine than women who gave birth.

American Journal of Drug and Alcohol Abuse, 2004

Psychiatric Treatment – A review of the medical records of 56,741 California Medicaid patients revealed that women who had abortions were 160% more likely than delivering women to be hospitalized for psychiatric treatment in the first 90 days following abortion or delivery. Psychiatric treatment rates remained significantly higher for at least four years.

Canadian Medical Association Journal, 2003

In a study of U.S. and Russian women who had abortions, 65% of U.S. women experienced post-traumatic stress disorder, which they attributed to their abortions. 60% of the American women reported that they felt “part of me died” after their abortions.

V. M. Rue et al, “Induced Abortion and Traumatic Stress: A Preliminary Comparison of American and Russian Women,” Medical Science Monitor 10(10):SR5-16, 2004

Infertility and Life-Threatening Reproductive Risks – Abortion can damage reproductive organs and cause long-term and sometimes permanent problems that can put future pregnancies at risk. Women who have abortions are more likely to experience ectopic pregnancies, infertility, hysterectomies, stillbirths, miscarriages, and premature births than women who have not had abortions.

T. Strahan, Detrimental Effects of Abortion: An Annotated Bibliography with Commentary (Springfield, IL: Acorn Books, 2002, 168-206

Subsequent Children Negatively Affected – The children of women who have had abortions have less supportive home environments and more behavioral problems than the children of women without a history of abortion. This finding supports the view that abortion may negatively affect bonding with subsequent children, disturb mothering skills, and otherwise impact a woman’s psychological stability.

D. C. Reardon et al, “Psychiatric Admissions of Low-Income Women Following Abortions and Childbirth,” Canadian Medical Association Journal 168(10):May 13, 2003

One study found that women with a history of induced abortions were 144% more likely to physically abuse their children than women who had not had an abortion.

Priscilla K. Coleman et al, “Associations Between Voluntary and Involuntary Forms of Perintal Loss and Child Maltreatment Among Low Income Mothers,” Acta Paediatrica 94, 2005

Abortion is linked with increased violent behavior, alcohol and drug abuse, replacement pregnancies, depression, and poor maternal bonding with later children. These factors are closely associated with child abuse and would appear to confirm a link between unresolved post-abortion trauma and subsequent child abuse.

Reardon, Aborted Women, Silent No More (Springfield, IL:Acorn Books, 2002) 129-30

Teenager Dies After Taking Abortion Pill:

What is it like to have an abortionSan Francisco (AP)- Holly Marie Patterson went to a Planned Parenthood clinic to quietly consider ways to handle a life change she wasn’t ready for. One week later, the 18-year-old lay dying on an emergency room table, the victim of complications after she took the abortion pill.

Her death has already caused her grief-stricken father to hope that the tragedy will encourage other women considering abortion to seek support, especially from their families.

Holly Patterson, who lived in the San Francisco suburb of Livermore, visited a Planned Parenthood clinic Sept. 10 to take the pill. She followed the prescribed procedure for using RU-486, taking two more pills at home in the following days.

After experiencing bleeding and cramps so severe that she was unable to walk, her boyfriend rushed her to the hospital, where she was given painkillers and sent home. She was back in the hospital a few days later and died Sept. 17.

Monty Patterson said he learned from an attending physician at the hospital that she had died after a massive infection caused by fragments of the fetus left inside her uterus caused her to go into septic shock.

What is it like to have an abortion

Diabetes Mellitus – Disease Process, Symptoms, Diagnostic Tests, Treatments at Medi-Info, what is secondary diabetes.#What #is #secondary #diabetes


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Medi-Info.COM

Categories

What is secondary diabetes

A disease complex characterized by persistent hyperglycemia caused by insufficient insulin production or resistance to the metabolic action of insulin. Diabetes mellitus (DM) is generally classified as insulin-dependent (IDDM, type I), non-insulin-dependent (NIDDM, type II), or secondary diabetes mellitus.

The precise causal mechanisms in DM are unknown, although genetics and a faulty autoimmune response are thought to play major roles in type I diabetes. Genetics and obesity are risk factors for type II diabetes. Secondary diabetes is caused by underlying primary pathologic abnormalities. DM affects approximately 6% of the U.S. population; it is the leading cause of irreversible blindness and chronic renal failure. Diabetes is found worldwide, and the incidence is increasing rapidly. Type I accounts for 10% to 15% of cases, and the age of onset is primarily childhood or adolescence. Type II accounts for 85% to 90% of cases, and onset generally occurs after age 40. A small number of cases are secondary DM, and the age of onset varies according to the cause of the underlying primary pathologic condition.

Diabetes occurs if the body cannot produce insulin (type I), or if it is unable to use the insulin produced (type II); in either case, the ultimate result is hyperglycemia and impaired glucose transport. Type I diabetes is characterized by a genetic predisposition manifested in one of several human leukocyte antigens. Recent research suggests that the genetic predisposition, coupled with an unknown factor, triggers an ongoing autoimmune process that systematically destroys the beta-cells in the pancreas, thereby interfering with the body s ability to produce insulin. Type II diabetes involves either a defect in the insulin release sites in the pancreas or a resistance to the action of insulin stemming from a decrease in the number of receptor sites in the peripheral tissues. This type of DM is often associated with obesity.

In both types of DM, the result is interference with glucose transport across cell membranes in peripheral muscle and adipose tissue, leading to faulty oxidation and energy production. Metabolism of fat, carbohydrate, and protein is impaired, as are storage of glycogen in the muscle and liver and storage of fatty acids and triglycerides in adipose tissue. Amino acid cell transport is disrupted. Unrestrained gluconeogenic and glycogenolytic processes in the liver cause overproduction of glucose. As the blood glucose level rises, renal tubules fail to reabsorb all the glucose; this produces glucosuria and osmotic diuresis, with water and electrolyte loss through the urine. Hyperglycemia also damages myelin nerve coverings, leading to neuropathy. Glycosylation (attaching of glucose to protein molecules) in the capillaries causes thickening of the capillary membrane and microangiopathy. Atherosclerotic processes are accelerated, and vessel elasticity diminishes.

Symptoms

Abrupt onset with polyuria, polydipsia, polyphagia, weight loss, weakness, fatigue, dehydration

Usually asymptomatic in early stages, with pruritus vulvae a common presenting symptom in women; later manifestations include skin infections, cold extremities, fatigue, blurred vision, delayed healing, and polyuria

Potential Complications

Diabetic ketoacidosis is a common acute complication in type I diabetes. If left untreated, it leads to coma and death. Nonketotic hyperglycemic-hyperosmolar coma is an acute complication in type II diabetes. It is frequently accompanied by seizure activity and has a mortality rate of about 50%. Systemic chronic complications include cardiovascular and peripheral vascular disease, retinopathy, nephropathy, neuropathy, dermopathy, and impotence.

Diagnostic Tests

Fasting blood sugar

.140 mg/dl on two occasions

Glucose tolerance test

.200 mg/dl for 2-hour sample and one other sample after administration of 75 g of glucose

Absent in type I; normal or elevated in type II

Absent in type I; normal or elevated in type II

Treatments

Only for chronic complications such as coronary artery grafts, eye surgery.

Insulin for type I; oral hypoglycemics for type II.

Dietary control aimed at maintaining stable body weight, distributing caloric intake into small, evenly spaced loads, avoiding highfat, high-sugar foods; weight reduction with obesity; regular monitoring of blood sugar; education about disease, complications, medications, diet; counseling, support for adaptation to long-term disease.

What does it cost to replace ac compressor for house? (pools, heater) – remodeling, decorating, construction, energy use, kitchen, bathroom, bedroom, building, rooms – Page 2 – City-Data Forum #what,does,cost,replace,ac,compressor,house,pools,heater, #what #does #it #cost #to #replace #ac #compressor #for #house?, #cities,forum


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Originally Posted by ByteRider

A few facts for everyone here:

Compressors are the most expensive component in an A/c, but even still they are not that expensive. A 3-3 1/2 ton, 12 SEER compressor costs a repair person [who buys wholesale] about $350-$450 (typical 3 ton COPELAND compressor used by most AC units). You often replace the dryer on the unit too (the big round tube soldered in on the line), that’s another $50-$80, and usually the thing that causes your compressor to go bad is the condensor fan is not cooling the unit properly. that’s another $50 – $100.

The controller boards and caps usually aren’t replaced during a compressor replacement, but the sales person will talk you into it. Don’t do it until they can prove those components are bad.

I’m not an HVAC person but I have replaced my own compressor, fans, caps, etc. The compressor requires freon which means you’ll be REQUIRED to get a qualified HVAC guy to cycle your lines (3 times) after the compressor is installed.

Installing a compressor yourself:

Buy the same brand compressor, makes life a lot easier with the wiring and copper tube connections.

Use MAP gas and 50% silver solder, do not use flux. The soldering technique is the same for copper water pipes, no different.

Total cost to replacement pump, fan, and drier: $723. Average cost of a quote I received: $1900. THe unit cost $2600 and is 7 years old. Stupid, huh? If you want a higher SEER A/c, simple. SEER is rated at the PUMP, not the coil. so, install a better pump with a higher SEER! Ta-da.

Best tip anyone can give you when it comes to an A/c unit: Change your condensor fan every 5 years no matter what. They are cheap motors and take about 30 minute to install. You can also just take them apart and clean the insides. all of them are brushless, they tend to go bad because dust and grim get in them. 4 screws hold it together, remove them, pull the spindle out, wipe it off, put a little grease on it, put back together. you’re good for another 5 years. If you can pump gas in your car, you can replace the condenser motor AND replace the capacitors. they are, in reality, no brainers.

I have been in the industry for more than 15 years on the Gulf coast and i totally disagree. Not just anyone can replace a compressor. First how do you know it’s the compressor? Second, what caused the failure? Was it a burnout? Why would I need to know if it was a burnout? What must I do if it was a burnout? Not to mention the possibility of electrocuting yourself. Next you use 15% silver solder not 50%. What are the dangers of soldering? What happens with oil residue in the refrigerant lines? What happens when flame is introduced to freon and freon residue in the lines? Ever heard of phosgene gas? What about the Oxygen Depletion Potential of freon? You know suffocating? What about how inhaling freon causes heart arrhythmia? Frost bite? What about refrigerant recovery and disposal? What about evacuating the system? A/C systems, are very susceptible to moisture and other non condensibles. Next freon. What type? How are you going to purchase replacement freon with no EPA certification? What about the life threatening dangers of freon? How much freon do you add? You just can’t go by the factory charge on the nameplate. You have to take into account many factors and then calculate your super heat and subcooling in order to achieve a proper charge.
There are so many things to consider before trying to tackle something like this. If injury or death doesn’t deter you, then the fact that you did it yourself will probably void any warranty that come with your $1000 compressor should. I can look up how to do an appendectomy online and get step by step instructions but I’m pretty sure most people would agree to just get someone who has been properly schooled and trained to do it. This is not like changing a fuse or the oil in your car. You could die or even possibly kill someone else many different ways if you don’t know what you are doing and I would never recommend a compressor change out as a DIY project for a novice.

Originally Posted by ByteRider

A The compressor requires freon which means you’ll be REQUIRED to get a qualified HVAC guy to cycle your lines (3 times) after the compressor is installed.

Actually a license is only required if your system uses R22 freon, which of course most old systems do. If you have or are replacing with system with a R410-A refrigerant, no license is required. So long as your not touching a R22 system, your fine. If your replacing a R22 system with a R410-A system you need a licensed HVAC contractor to recover the R22 refrigerant from the old system before removing it.

Originally Posted by ComfortZone1971

Not to mention the possibility of electrocuting yourself.

If you haven’t mastered the mysteries of the circuit broker or equipment disconnect, you probably shouldn’t be doing anything yourself.

Originally Posted by ComfortZone1971

If injury or death doesn’t deter you, then the fact that you did it yourself will probably void any warranty that come with your $1000 compressor should.

Pretty much anything you touch now a days voids the warranty. I wouldn’t mass with the R22, but I wouldn’t let a little thing like voiding the warranty stop me from working on it.

Last edited by TechGromit; 02-07-2012 at 10:01 PM.

1to1Core – Microsoft Azure #1to1 #core, #microsoft #azure, #hybrid #cloud #computing, #cloud #computing #application, #hybrid #cloud #os, #private #cloud #infrastructure, #hybrid #cloud #os #technology, #applications #of #cloud #computing, #cloud #computing #technologies, #what #is #private #cloud, #secure #cloud #hosting


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Hybrid Cloud OS

Enterprise Mobile Apps

Software for the Cloud

Cloud Dashboards

SERAEM

Ready to Rocket

Dynamically create your Vision

Why does my business
need a Cloud OS ?

Today’s world requires rapid adaption to new technology. Change can be daunting, but 1to1Core’s Hybrid Cloud OS has you covered. Let us help you maximize your potential using our customizable platform. Harmonizing your business with mobile and hybrid cloud computing is important, and the team at 1to1Core are here to ease your business through the transition.

What can I do with
a Cloud OS ?

1to1Core has been delivering the power of cloud technology to businesses for over 15 years. We can help you with anything from creating innovative custom Apps, to achieving truly secure web hosting, to back office management, to sales — even marketing tools and analytics! 1to1Core’s Hybrid Cloud OS allows your business to harness the power of the Cloud.

Why does my business
need a Cloud OS ?

Today’s world required rapid adaption to new technology. Change can be scary, but 1to1Core’s Cloud OS has you covered. Let us help you get your business up to date using our customizable App platform. Harmonizing your business with mobile and cloud computing is important, and 1to1Core Cloud OS are experts in easing the transition

What can I do with
a Cloud OS ?

1to1Core has been delivering the power of cloud technology to businesses over 15 years. From web hosting, to back office management, to sales & marketing tools and analytics. 1to1Core Cloud OS brings the knowledge and tools you need for your business to harness the power of the Cloud. Let us show you why adaptation is worthwhile.

It’s a 5 Screen World

We recognize that today is a place where people use multiple devices, from mobile to desktop, to control their day-to-day applications.

1to1Core’s Hybrid Cloud OS was built with responsive design in mind. Hybrid Cloud OS is an experience customized to your screen, at whatever size it may be. Never be stuck with desktop apps again, get onto the Cloud!

The Importance of Critical Thinking Skills in Nursing, what skills do nurses need.#What #skills #do #nurses #need


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The Importance of Critical Thinking Skills in Nursing

The nursing profession tends to attract those who have natural nurturing abilities, a desire to help others and a knack for science or anatomy. But there is another important skill that successful nurses share and it s often over-looked: the ability to think critically.

Critical thinking is defined in a number of ways but perhaps it s easiest to comprehend when you understand all that it encompasses. Critical thinking includes identifying a problem, determining the best solution and choosing the most effective method of reaching that solution. After executing the plan, critical thinkers reflect on the situation to figure out if it was effective and if it could have been done better.

As you can see, there s a lot more that goes into critical thinking than one might think. It s a transferrable skill that can be leveraged in several facets of your life. But why is critical thinking in nursing so critical? Keep reading to find out.

Why are critical thinking skills in nursing important?

You ll notice in the list above that critical thinking is embedded in a nurse s everyday routine. You ll learn all sorts of practical skills in nursing school that you ll put to use at the clinic, but without the ability to think clearly and make rational decisions; those skills alone won t get you very far.

You may be able to flawlessly dress a wound, take vitals like a pro or give an IV without flinching, but without the ability to make quick and efficient decisions under pressure, you ll struggle as a nurse, according to LeeAnn Andronico, Rasmussen College nursing program coordinator. Some critical thinking skills come naturally and others can be acquired and developed during nursing school.

How are critical thinking skills acquired in nursing school?

As a future nurse you have probably heard about the intensity of nursing courses, if not yet experienced it firsthand. There is a multitude of material to master and high expectations for your performance. But in order to learn in a way that will actually equip you to become an excellent nurse, you have to go beyond just memorizing terms. Andronico says in reality, the answer won t always be black and white.

Your critical thinking skills will be put to the test during nursing exams. Andronico explains that you ll quickly discover that questions may have multiple right answers though one answer may be the most right for that particular situation. This may sound confusing, but it is intentionally done in order to help prepare you for real-life nursing scenarios. You will often find yourself in situations where there are few correct forms of care, but one that is most appropriate.

How can you develop your critical thinking skills?

When answering questions in class or on exams, challenge yourself to go beyond simply selecting an answer. Start to think about why that answer is correct and what the possible consequences might be. Simply memorizing the material won t translate well into a real-life nursing setting.

“Critical thinking skills apply not only to thinking, but also to reading, writing, speaking and listening.”

Changing your mindset will help you gain the practical knowledge from which you ll draw upon throughout your entire career. Hold on to your past exams, review the answers and reflect on any areas you didn t quite grasp the first time.

Borrowing or purchasing an NCLEX review book is another way you can sharpen your critical thinking skills. Not only are the questions directly related to the career you re pursuing, but the book explains the rationale behind the answers, exposing you to solutions you may not have found on your own.

It s helpful to practice thinking about a problem in a different way or from a new perspective. It sounds silly, but you essentially have to think about thinking! Andronico stresses the importance of spending time developing clear and rational thoughts and surveying all of the evidence available to you before making a decision.

How are critical thinking skills applied in the real world?

Andronico believes the critical thinking skills you acquire in nursing courses and during clinicals will be invaluable throughout your nursing career and the rest of your life. You will inevitably encounter a situation in which there are multiple solutions or treatments and you ll be tasked with determining the solution that will provide the best possible outcome for your patient.

You must be able to quickly and confidently assess situations and make the best care decision in each unique scenario. But critical thinking goes beyond the clinic and is a skill the will be transferable into the rest of your life as well. Your ability to make sound decisions in high pressure situations will surely come in handy at home as well.

Critical thinking skills apply not only to thinking, but also to reading, writing, speaking and listening, Andronico explains. You must be able to translate a thought clearly and accurately, quickly and logically so that others understand what you are saying without any confusion.

Beyond thinking

You re now well aware of the importance of critical thinking skills in nursing. Even if you wouldn t consider yourself a high-caliber critical thinker today, you will surely hone your skills while earning your nursing degree.

*This article was originally published in July 2012 by LeeAnn Andronico. It has since been updated to include information relevant to 2015. Insight included from Andronico was preserved from the original article.

External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

What skills do nurses need

Megan Ruesink

Megan is a freelance writer for Collegis education who writes student-focused articles on behalf of Rasmussen College. She hopes to engage and intrigue current and potential students.

Positive Cashflow Finance #what #is #factoring #finance


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At Positive Cashflow Finance, we approach each and every proposal with flexibility and creativity. Being an owner-managed and independent business, we are able to make funding decisions swiftly and work closely with both new prospects and existing clients to understand their needs.

So whether you are looking to finance a new-start enterprise, acquire an established business or are simply looking for a funder who is happy to listen, contact us .

Our Team

A true one-to-one approach, from one of the most experienced teams in the industry

Established in 2007, Positive Cashflow Finance is one of the country’s leading independent invoice finance companies.

Meet the key people behind the business

Everyone likes a bit of Positive news

Northern Quarter Agency Secures £75k – Positive have provided Jet Design & Marketing with a £75,000 funding facility to support their growth plans after winning a number of new contracts.

Odin Seals Positive Funding Line – Stockport based, new start recruitment firm, Odin Recruitment Group Ltd have secured a £150,000 funding facility from Positive.

CLS Lifted with Funding Boost – Contract Lifting Solutions has secured an £800,000 funding facility from Manchester based invoice finance specialists, Positive Cashflow Finance.

Positive see profits rise by 80% in 2015 – Positive have revealed an 80% increase in pre-tax profits, growing from £780,000 to £1.4m after recording a record turnover of £4.2m in 2015.

Positive Furnish Mercol with Facility – Darwen based office furniture manufacturing firm, Mercol (Office Furniture) Ltd has secured a £1.1million funding facility from Positive.

L J Workwear Set For Growth – Macclesfield based, L ?>

Online Management – Organizational Leadership Degree #what #is #organizational #leadership #degree


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Management and Organizational Leadership Degree – Online

A new cohort of Management and Organizational Leadership in the online format will begin every semester with students completing the major after 16 months. All course material is completed online, with one required face-to-face weekend at the beginning of the cohort.

Designed for busy adults

Designed to help adults complete a degree online successfully, the Management and Organizational Leadership online degree program features the same 13 courses we teach in our classroom format. Cohorts start each spring, summer and fall semester.

  • Take online courses from the comfort of your own home or any other location with an Internet connection
  • Meet your professors and classmates at the beginning of the cohort during our “face-to-face” weekend at our center in Portland, Oregon (begins on Friday morning and ends on Saturday afternoon)
  • Complete your degree in as few as 16 months (View Cohort Calendars Here)

Goals of the MOL online degree program

Students will learn to:

  • Articulate principles of organizational dynamics relating to systems, culture and environment
  • Demonstrate effective communication skills and an understanding of organizational communication processes
  • Compare and contrast leadership theories, models and styles
  • Develop insight into personal leadership style
  • Identify the dynamics of globalization and the implication for organizational strategy and operations
  • Develop a working knowledge of decision-making, finance, and interpersonal and group dynamics
  • Develop the analytical and research skills necessary to identify organizational problems and to formulate solutions for those problems
  • Demonstrate an understanding of ethics and Christian values and their applications for organizations

Credit Requirements

To graduate with a bachelor’s degree, you must complete a total of 126 semester hours as follows:

Marijuana Addiction and Recovery #smart #recovery, #marijuana, #quit #smoking #pot, #addiction, #weed, #pot, #recovery, #how #do #i #stop #smoking #marijuana, #what #is #marijuana, #rehab, #support #group, #meetings


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Marijuana and Addiction

Marijuana (also known as Weed or Pot) is the most frequently abused (mostly) illegal drug in the US, and makes up 17% of admissions to treatment programs [1].

Treatment is often sought because the long-term use of marijuana can lead to addiction, and individuals looking to quit have to deal with challenging withdrawal symptoms that can keep them from stopping their marijuana abuse.

Statistics show that about 7 percent, or roughly 1 in 14 teens, report using marijuana in the past month. [3]

Is marijuana addictive?

Abuse of any substance – including marijuana – is when the user begins seeking the substance compulsively and continues use though there have been harmful effects to their lives, including problems with family, school, work or the legal system. Research has shown that about 9% of all marijuana users [2] become addicted and that those who start early and who are daily users are more susceptible to marijuana addiction.

What happens when you try to quit smoking pot and you’re addicted?

Pot smokers who are classified as marijuana abusers frequently report that they have withdrawal symptoms that include sleeplessness, no appetite, anxiety, cravings to use, and irritability. While any of these can make quitting difficult, the combination of several symptoms can make it difficult to stay on the road to recovery. This is where SMART Recovery can help.

How do I stop smoking marijuana?

SMART provides our members with tools and skills that they can use to help them recover from marijuana addiction as well as alcohol, or other drugs or negative behaviors. SMART Recovery, which can be used as a support group alternative to Marijuana Anonymous (MA), uses a 4-Point Program , with each element designed to help you overcome your problems with abusing marijuana:

Building Maintaining Motivation – Helps you identify and keep up with your reasons to quit. Why do you want to quit smoking pot – what will keep you focused on that goal?

Coping with Urges – Dealing with urges and cravings is part of recovery. SMART has tools designed to help our members cope with urges to use or smoke pot that can help you maintain abstinence.

Managing Thoughts, Feelings and Behaviors – We frequently turn to using drugs to either escape from or avoid solving our problems. SMART’s members learn problem-solving tools to help them manage challenges along the way.

Lifestyle Balance – When you are addicted to, or abuse a drug like marijuana, your life frequently falls out of balance – you may find yourself opting to smoke pot rather than go to work or school. You may find that things you used to enjoy aren’t fun anymore. SMART Recovery helps members build skills to help balance both short and long-term goals, pleasures and needs that were once out of balance due to drug abuse.

Where do I go from here?

Getting started with SMART Recovery is easy! If you would like to get started right away, you can join our online support group where you can read, share and learn from our worldwide community of members at any time of the day or night. You can also find a local SMART Recovery meeting. or, if we don’t have any meetings in your area yet, you can join us at one of our online meetings.

If you’d like to have printed material to refer to, you can purchase the SMART Recovery Handbook.

References

[3] SAMHSA – 2013 National Survey on Drug Use and Health

Human Resource Management (HRM) – Definition and Concept #hrm, #human #resource #management, #what #is #human #resource #management, #human #resource #management #definition, #hr #management


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MSG Management Study Guide

Human Resource Management (HRM) – Definition and Concept

We often hear the term Human Resource Management, Employee Relations and Personnel Management used in the popular press as well as by Industry experts. Whenever we hear these terms, we conjure images of efficient managers busily going about their work in glitzy offices.

In this article, we look at the question what is HRM ? by giving a broad overview of the topic and introducing the readers to the practice of HRM in contemporary organizations. Though as with all popular perceptions, the above imagery has some validity, the fact remains that there is much more to the field of HRM and despite popular depictions of the same, the art and science of HRM is indeed complex. We have chosen the term art and science as HRM is both the art of managing people by recourse to creative and innovative approaches; it is a science as well because of the precision and rigorous application of theory that is required.

As outlined above, the process of defining HRM leads us to two different definitions. The first definition of HRM is that it is the process of managing people in organizations in a structured and thorough manner. This covers the fields of staffing (hiring people), retention of people, pay and perks setting and management, performance management, change management and taking care of exits from the company to round off the activities. This is the traditional definition of HRM which leads some experts to define it as a modern version of the Personnel Management function that was used earlier.

The second definition of HRM encompasses the management of people in organizations from a macro perspective i.e. managing people in the form of a collective relationship between management and employees. This approach focuses on the objectives and outcomes of the HRM function. What this means is that the HR function in contemporary organizations is concerned with the notions of people enabling, people development and a focus on making the employment relationship fulfilling for both the management and employees.

These definitions emphasize the difference between Personnel Management as defined in the second paragraph and human resource management as described in the third paragraph. To put it in one sentence, personnel management is essentially workforce centered whereas human resource management is resource centered. The key difference is HRM in recent times is about fulfilling management objectives of providing and deploying people and a greater emphasis on planning, monitoring and control.

Whatever the definition we use the answer to the question as to what is HRM? is that it is all about people in organizations. No wonder that some MNC s (Multinationals) call the HR managers as People Managers, People Enablers and the practice as people management. In the 21st century organizations, the HR manager or the people manager is no longer seen as someone who takes care of the activities described in the traditional way. In fact, most organizations have different departments dealing with Staffing, Payroll, and Retention etc. Instead, the HR manager is responsible for managing employee expectations vis-�-vis the management objectives and reconciling both to ensure employee fulfillment and realization of management objectives.

In conclusion, this article has briefly touched upon the topic of HRM and served as an introduction to HRM. We shall touch upon the other topics that this field covers in other articles.

Following are the important concepts of Human Resource Management:

Similar Articles Under – Human Resource Management

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Gastric Sleeve Los Angeles – What is Sleeve Gastrectomy? UCLA Bariatric Surgery, Los Angeles, CA #sleeve #gastrectomy, #what #is #a #sleeve #gastrectomy, #gastric #sleeve #doctors, #ucla #gastric #sleeve #surgery, #los #angeles #sleeve #gastrectomy, #ucla


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Gastric Sleeve

Definition

What is a Gastric Sleeve?

Surgeons perform laparoscopic sleeve gastrectomy by removing approximately 75-80 percent of the stomach. Many surgeons and physicians use the term sleeve gastrectomy, though most patients are familiar with the term gastric sleeve, which is easier to remember. At the UCLA Center for Obesity and METabolic (COMET) Health, we offer the latest surgical weight loss treatments for Southern California, including the vertical sleeve gastrectomy .


Gastric Sleeve Illustrations

They are the same operation, and they leave the remaining stomach as a tubular pouch that resembles a banana. The Sleeve gastrectomy is a relatively new procedure but has gained popularity because of its low complication rate and good weight loss results.

Almost 42 percent of all bariatric surgeries performed in the United States in 2013 were sleeve gastrectomies, which makes it the most popular weight loss surgery, according to the American Society for Metabolic and Bariatric Surgery.

How Does Sleeve Gastrectomy Work?

The Sleeve Gastrectomy aids in weight loss for a number of reasons, including:

  • The new stomach pouch holds considerably less than the normal stomach and helps to reduce the amount of food you can eat in one sitting comfortably. The food also moves faster in the new stomach pouch.
  • There is a significant effect on gut hormones that help you feel less hungry and fuller longer.

Research demonstrates that sleeve gastrectomy is as effective as Roux-en-y gastric bypass. and its benefits include:

  • Similar weight loss to Roux-en-y gastric bypass
  • Similar reversal of obesity-related health problems, including type 2 diabetes, high blood pressure, fatty liver disease and sleep apnea, as Roux-en-y
  • Lower complication rates than Roux-en-y
  • Relatively short hospital stay of approximately one or two days
  • Lower chance of nutrient deficiency

Sleeve Gastrectomy Video:

It s important to note that sleeve gastrectomy is a nonreversible procedure, and some patients may experience treatable heart burn after surgery.

Vertical Sleeve Gastrectomy

Vertical Sleeve Gastrectomy Expertise

We offer a superior level of expertise and skill in vertical gastric sleeve procedures. At Ronald Reagan UCLA Medical Center. where our bariatric surgeries are performed, we are the No. 1 ranked hospital in California and in the Los Angeles metro area according to U.S. News World Report. We have also been ranked as the best hospital in the West for 15 years and counting. We offer:

  • Low complication rates: Our special technique for performing these surgeries gives us a more accurate representation of the final sleeve size before we create it. This minimizes the risk for a sleeve that is too narrow, which can lead to leaks. None of our patients has ever experienced a leak.
  • Access to promising new research: Our specialists are harnessing the power of up-to-the-minute science to predict who will benefit the most from available weight loss treatments. This gives our patients the opportunity to participate in research trials on new approaches and treatments for obesity not commonly available in the U.S.
  • Sleeve gastrectomy specialists: We bring the highest level of experience and expertise to these procedures. Because of this, we are commonly sought out by patients to fix sleeve gastrectomies they ve had done at other hospitals.
  • Advanced technology: We offer the latest operating room technology, including da Vinci Robotic surgical systems and fully digital operating suites.

Contact Us

To schedule a consultation with UCLA Bariatric Surgery in Los Angeles, California, call us at (310) 825-7163 or
fill out our online form

For a physician referral, please call (800) UCLA-MD1 (825-2631).

*Weight loss results can vary depending on the individual. There is no guarantee of specific results. Read full disclaimer

What is VoIP telephone? Webopedia Definition #voip #telephone, #phone, #voice #over #ip, #define, #dictionary, #definition, #web #hosting #service, #define, #what #is, #webopaedia, #webopedia, #glossary, #dictionary, #encyclopedia, #tech #terms, #technology


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VoIP telephone

Related Terms

Voice over Internet Protocol, or VoIP, telephone products connect to VoIP. or Internet telephony. systems, which use packet-switched telephony to transmit calls over the Internet as opposed to the circuit-switched telephony used by the traditional Public Switched Telephone Network (PSTN ).

How it Works

VoIP telephones look and largely function like standard phones, but they have built-in IP technology and an RJ-45 Ethernet connector instead of the standard RJ-11 phone connector that enables the VoIP phone to connect directly to a router for making and receiving IP calls. A standard phone can also function as a VoIP telephone when used with an analog-to-digital converter called an ATA, or analog telephone adaptor. Another option is to bypass the phone entirely and simply use a VoIP-capable computer to make and receive IP calls.

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CardEasy PCI DSS compliant card payment by phone #what #is #pci #dss #compliant


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PCI DSS solution for card payment by phone and call recording

CardEasy enables you to de-scope your call centre environment and call recordings from PCI DSS, reducing the risk and costs associated with managing card payment transactions in your contact centre, as well improving customer trust and average call handling times.

Watch our demo to see how CardEasy works.

How does CardEasy work?

  1. A caller wishes to pay by card over the phone
  2. The contact centre agent initiates a request for card authorisation in mid-conversation with the caller
  3. The caller is prompted to enter their card number via their telephone keypad
  4. The audio from the agent to the caller remains open throughout
  5. Audio from the caller to the agent is cut briefly while the middle six digits of the long card number (PAN and the CV2) are entered, to ensure that there is no way the agent (nor the call recording) can be exposed to the card number by hearing either the DTMF tones or the caller reading out the numbers
  6. The complete call can be recorded but the sensitive DTMF tones are masked from the recording as well
  7. The agent is alerted via their screen when payment has been authorised.

Taking payment using CardEasy


What s special about CardEasy?

CardEasy enables you to comply fully with PCI DSS as follows:

  • Your agents will not be exposed to callers’ sensitive card numbers
  • Card numbers will not be stored in your call recordings or captured in screen recordings
  • As the sensitive card numbers do not enter your contact centre or network, this de-scopes this environment almost completely from PCI DSS regulations and audit requirements
  • Your agents can talk to the caller throughout to control the call and transaction. CardEasy automatically blocks the audio in the direction of the agent just during capture of the middle six digits of the PAN and also the CV2 to prevent your agents and call recording system from overhearing or capturing these sensitive details, even if the customer reads them out whilst entering them using their telephone keypad.

    CardEasy also offers you a customer self-service autopay option (IVR) for when no agent assistance is required, such as balances payable.

    Note that pause and resume solutions for call recording which cut the call recording at the point at which the agent asks for the card details will still leave the agent exposed to them. This means that the contact centre environment and agents are still ‘in scope’ for PCI DSS regulations and open to the risk of fraud, exacerbated because the critical part of the call is not recorded. Such systems do not therefore offer full PCI DSS protection/de-scoping and can expose your contact centre to ongoing security risks.

    Hosted or premise-based?

    The system is available in Syntec either network-hosted or hybrid premise-based (CPE) versions, supporting both SIP, ISDN or any mix of the two. If you have SIP-based telephony you may opt for a fully cloud-based variant which removes the need for any premise-based equipment. All versions use the CardEasy cloud for their PSP connections and the hybrid and cloud options work with your existing telephony provider.

    In the case of a hybrid CPE- based solution, CardEasy hardware is located on the customer’s premises installed between the ISDN30e/SIP lines and the telephone system. All inbound and outbound calls are routed via the CardEasy hardware supporting ISDN30e/SIP lines from any network provider. The CardEasy hardware captures the PAN and CV2 entered by the customer using their telephone keypad, with the agent remaining in conversation with the customer throughout. This data is then conveyed to the CardEasy core network over a secure link. Further hardware at Syntec collates this information and forwards it to the PSP for processing, returning the result to the agent (and back office systems if required) in real-time.

    In all cases CardEasy is offered as a fully managed service and offers you full PCI DSS de-scoping. If you use the hybrid premise-based solution then you will be responsible only for the physical security of the appliance.

    Cost-effective compliance

    Using CardEasy saves you time and money by taking your call centre operations out of scope from PCI DSS controls, whilst removing the need for time consuming oversight and PCI audits. Set up costs are low and ongoing managed service costs are ‘per agent’ or ‘per channel’ depending on your organisation’s requirements, so can be linked directly with your channel/agent utilisation.

    What our customers say

    CardEasy keypad payment by phone was the perfect fit to resolve the PCI compliance and data security needs in Staples major call centres in Europe. This was because of its ease of use mid-call, the breadth of PCI DSS issues it resolves in one go, the flexibility of integration with all our differing systems and the ability for them to meet our tokenisation requirements

    Jurgen van Roon Senior Project Manager – Security, Staples

    We wanted to further enhance data security in our call centre and decided to use Syntec’s secure phone keypad payment (DTMF), as it’s important to our customers that our payment solution is safe and easy to use.

    CardEasy works just as effectively for callers in the USA, Germany and Australia as in the UK.

    Simon Kerry Chief Information Officer, Charles Tyrwhitt

    The CardEasy solution easily de-scopes us from PCI DSS compliance and mitigates the risk of any internal fraud. The platform is scalable and easy to use…along with the confidence we have in Syntec who have been instrumental in a smooth implementation, guiding us and offering insight.

    Eoin Heneghan Head of Collections, Allied Irish Bank

    We have been impressed by the flexibility, ease of integration and support of the CardEasy system, as well as its PCI DSS security to protect in-house operations and our outsourced service providers in the USA and EMEA.

    Gary Lazarowics Head of eCommerce & Sales Support, Micron

    Miele selected Syntec’s pioneering, hosted CardEasy system to enrich customer service whilst de-scoping us from large sections of PCI DSS regulations, which otherwise require significant cost and effort to satisfy.

    Paul Aram IT Manager, Miele

    What makes Syntec’s CardEasy payment service stand out is that to customers it is so much more secure.

    Janette Wynn Operations Director, Freestart PLC

    Benefits of CardEasy

    • Customers enter their credit card number and 3 digit security code mid-call with the agent, using their phone keypad (DTMF touchtones).
    • Your agents, whether in your contact centre, working from home or in an outsourcer, cannot see or hear the card information and it is not stored in the call recording.
    • Tokenisation, card scheme surcharging and BIN look-up are all supported.
    • Works either as a network-hosted solution or a hybrid, premise-based system or in the cloud, depending on how your call traffic is managed.
    • Customer self-service autopay version (IVR) also lets you take secure payments out of hours or without the need for an agent.
    • Partnered with all major payment gateways /service providers and can easily be integrated with your back office and CRM systems.
    • Speech recognition module available (in different languages) as well as SMS and secure webchat and email payment and bank debit options.

    What our partners say

    Worldpay is a recognised leader in security and risk. Our joint proposition with Syntec offers a secure transaction service while removing the need for call centres to have onerous annual PCI audits.

    Keith Dallas Chief Product and Marketing Officer, Worldpay eCommerce

    Realex is delighted to be partnering with Syntec’s CardEasy ‘keypad payment by phone’ technology, which is fully integrated with the Realex payment gateway. This enables our customers to de-scope call centres, outsourcers and home-workers from PCI-DSS regulations and audits, whilst providing seamless and secure MOTO transactions.

    Head of Partnerships Realex Payments

    Find out more or request a demo now

    Newsletter

What Jobs can you get with a Nursing Degree? #what #jobs #can #you #get #with #a #nursing #degree,what #can #you #do #with #a #nursing #degree,nursing #degree #jobs,nursing #graduate #jobs,nursing #major #jobs,nursing #career,nursing #degree,nursing


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What Jobs can you get with a Nursing Degree?

You need a degree in nursing to qualify for various careers and jobs in the healthcare sector.

What Jobs can you get with a Nursing Degree?

Are you thinking of having a nursing degree and want to have a detailed note of the jobs you can get with it? If yes is your answer, then you are in luck today for finding this page.

This post shows you what you can do after completing a nursing degree; it details the jobs for each degree level – Associate’s, Bachelor’s, Master’s, and Doctorate degree – and also provides the salary to expect on the jobs.

About the Nursing Career

A nursing career is one of the few jobs with an unwavering demand in the society. According to the 2013 Global Burden of Disease Study, over 95% of the world’s population is ill and at the aid of the numerous ill ones around the globe are nurses.

Nurses bear the responsibility of assisting people in regaining their health; they provide care to the unwell usually in hospitals and also in various other areas such as in schools, military, prison, and corporations.

The nursing profession sometimes is perceived not just as a career but as a calling because it requires a level of passion for someone to dedicate his/her life to be a vital part of the treatment, welfare, and recuperation process of the ill, the near-ill, and the near-death patient.

Little wonder some to refer to it as the most trusted profession while some others label it a noble profession.

A nursing degree indeed holds a positive job outlook for prospective graduates as a nursing career is among the few jobs that are well-paying.

It offers good job security and provides a flexible working plan.

The U.S Bureau of Labor Statistics predicts a whopping 16% job growth rate (439,300 jobs) for registered nurses with an annual median salary of up to $67,490.

That’s why it’s no surprise a nursing degree is one of the most popular courses among prospective undergraduates.
In the U.S, it ranks third most popular college major according to MatchCollege and USATodayCollege.

It also takes the seventh and eighth place as the most popular college degree in the U.K and Australia respectively as published by The Telegraph and Rediff.

As a step towards actualizing a nursing career dream, students enroll for a 2-year Associate’s degree program in nursing.

This exposes them to knowledge of patient care, helps them grow confidence with patient handling, as well as taking good clinical decisions.

What can you do with a Nursing Associate’s Degree?

Nurses with Associate’s degrees usually secure hospital jobs while some others work in health agencies, schools, insurance agencies, and social service.

Nurses with an Associate’s degree qualify for job positions as:

  • Neonatal Nurse: They specialize in providing healthcare to newly born babies. They assist mothers in feeding and bathing their babies; they also take care of premature babies and those with defects or illnesses by fixing them up with oxygen and intravenous fluids. They also monitor infants to detect any abnormality and act accordingly. Part of the responsibilities of nurses includes communicating with infants’ parents in order to enlighten and assist them.
  • Intensive Care Unit Nurse: They are responsible for closely observing and monitoring patients with life threatening issues; they administer anesthetics and analgesics in the appropriate dose; they provide ventilatory support and are quick in providing medical assistance to patients in critical health condition. Their duties also include updating patients/patient’s family on the current health status so they can take the best decisions.
  • Emergency Room Nurses: They specialize in providing quick response care to patients in sudden life-threatening condition. They help stabilize patients, reduce pain, and figure out the cause of a medical condition so that treatment can commence.
  • Telemetry Nurse: Their duties involve monitoring and providing care to patients in the telemetry unit who are placed under electrocardiogram, ventilator support or blood pressure monitors. They provide medications and assist patients recovering from either cardiac, neurological or lethargy issues.

Payscale pegs the annual median salary of registered nurses with Associate’s of Applied Science (AAS) at $50,000 while registered nurses with Associate’s Degree (ADN) earn as much as $58,087.

Although you can get a job with an Associate’s degree in nursing, some nursing career levels require at least a baccalaureate. This aids you in professional advancement to managerial roles and increases your earning power.

What can you do with a Nursing Bachelor’s Degree?

With a Bachelor’s degree in nursing, you secure job positions as:

  • Mental Health Nurse: Their responsibilities include providing psychological care to patients, interacting with them to discover the source of their emotional upset, administering medications, and providing therapy sessions for them.
  • Paramedic: They are at the frontline of medical support and provide quick on-scene medical treatment, preparing a patient for further medical attention. They are tasked with the responsibility of keeping emergency patients alive and ready to receive proper medical treatment.
  • Health Service Manager: Their duties involve overseeing the hiring, recruitment, and management of clinical and administrative staff. They ensure the implementation of health policies in an organization, as well as monitoring the quality of service rendered to patients.
  • Midwife: The job specification of a midwife involves providing antenatal and postnatal care to mother and child, ensuring that both survive the periods before birth and after birth. They also counsel and give insights on conditions such as neonatal issues, miscarriage, and stillbirth.
  • Children’s Nurse: They administer medications, take vitals of patient, fix up intravenous fluids and explain treatment of wards to parents. They also offer advice on best ways to aid a child’s recovery process.
    Payscale projects the annual median salary of registered nurses with a Bachelor’s degree to be $60,369.

The U.S Bureau of Labor Statistics on the other hand predicts an annual median salary of $67,490 for nurses with Bachelor’s.

To cement your footing in a nursing career, a Master’s degree is very essential. With Master’s in nursing, you stand a chance of securing leadership positions, enjoying increased job prospects, as well as becoming an expert in the nursing field.

What can you do with a Nursing Master’s Degree?

Some of the positions you can occupy with a Master’s degree in nursing include:

  • Nurse Practitioner: They specialize in the diagnosis, treatment and prescription of drugs to patients. They also provide medical care and guidance to patients, communicating effectively with them on how to improve their health. They earn as much as $86,735 on average annually.
  • Nurse Administrator: They perform managerial duties of employee supervision, overseeing the welfare of patients, as well as taking decision as relates to business and workplace policies. They earn a median salary of up to $117,646 annually.

What can you do with a Nursing Doctorate Degree?

Nurses with a doctorate degree occupy top level positions as nurse executive, nurse researcher, and college instructor, or as a clinical nurse specialist.

Without a doubt, a nursing degree offers fantastic benefits ranging from good job security to attractive income and the personal satisfaction of saving lives.

What would you like to do with a nursing degree? Let us know which of the nursing jobs strikes your interest, please leave your comment in the box below .

How and where to buy life insurance – Money Advice Service #what #is #the #best #life #insurance #to #get


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How and where to buy life insurance

Life insurance payments can start from just a few pence a day depending on how much cover you want, but also on the likelihood of anything happening to you. But even if you’re high risk, you don’t need to accept the first life insurance offer that comes along – it always pays to shop around.

How much does it cost?

How much you pay for life insurance depends on the amount of cover you want (i.e. the amount you want paid out upon your death) as well as the likelihood that you will die in the near future.

For this reason, the amount you pay for life insurance every month (your premium) will depend on a few things, including:

  • Age
  • Marital status
  • Hobbies (for example, extreme sports)
  • Whether you smoke or have previously smoked
  • Health (your current health, your weight, your family medical history)
  • Job (some professions carry a higher risk than others and might mean you have to pay more each month)

The older you are and the higher the level of cover you’re looking to purchase, the more likely it is that your insurer will ask your GP for additional medical information, or ask you to undergo a medical examination.

The amount of cover you need will depend on:

  • Any debts
  • Mortgage/rent
  • Number of dependents
  • Take home pay or income from other sources

How much cover do I need?

You can work out how much cover you need in three quick steps.

Step 1: First add up:

  • Your debts: your total mortgage and other debts, such as credit card debts or personal loans.
  • Expenses you want the insurance to cover: your basic monthly outgoings and any other costs, such as child maintenance, school or university fees. You might want to leave a lump sum for someone, or use it to cover your funeral costs.

Step 2: See what kind of cover you already have

For example, if you’re employed, your benefits package might include a ‘death in service’ pay-out – a lump sum that’s a multiple of your annual salary at death.

Step 3: Calculate the cover you need

When you have these two figures, take away the benefits or cover you already have from the total amount your dependants need.

The result is the amount of life insurance cover you should take out. Alternatively, a common rule of thumb is to multiply your annual income by 5 or 10.

Now think about the length of time you want the policy to last.

You might decide that it should end at the same time as your mortgage, when your children finish full time education, or up until you die.

Life insurance example

Add up

John (42) and Judith (39) have a joint household income of £41,000 per year.

They have an outstanding mortgage of £213,000 which they expect to pay off in 18 years.

They also took out a £5,000 loan to purchase a car. Their basic monthly outgoings are £1,000 (£12,000 per year).

What you already have

Through his employer, John has death in service cover worth four times his annual salary.

A total of £100,000. Judith is self-employed and does not have a similar benefit.

Calculate the cover you need

They decide they need enough life insurance to cover their mortgage, their car and their basic annual outgoings.

John’s death in service cover is enough to cover the car and living costs, so they take out an 18 year life insurance policy to cover their mortgage.

Life insurance is often paired with another product, such as income protection insurance.

Learn more in our guide Do you need income protection insurance?

Should your policy be inflation linked?

You don’t need your policy to be inflation linked if you just want to cover your mortgage.

If you want to continue your family’s current lifestyle then it ought to be linked to inflation.

What happens to the monthly payments if I can’t work?

For a small extra cost you might be able to buy ‘waiver of premium’ cover.

If you can’t work because of illness or injury this will cover your monthly payments, but usually only after you’ve been off sick for at least six months.

Another option is to take out a different kind of insurance policy that will help cover your outgoings if you get ill.

Where to go for quotes

To find the best value on cover, compare as many offers as possible.

You can get life insurance quotes from:

  • Banks
  • Specialist brokers
  • Credit card companies
  • Independent financial advisers
  • Retailers including major supermarkets
  • Insurers that don’t sell through comparison site
  • Comparison sites – use a variety of sites to make sure you look at a wide range of offers
  • Your mortgage provider – most offer life insurance automatically when you take out a mortgage, but you might be able to find a better deal elsewhere

Using a broker

If you’re not sure about what level of cover or type of insurance policy you might need, you might want to use an insurance broker.

These market experts can often help you find the insurance product you need at a good price.

There might be a charge for this so always check how (and how much) they will charge when you first speak to them.

Use our FAQ guide. which covers the basic questions that you might want to ask an adviser, or the questions they will ask you.

Be honest about your medical history

Research from the ABI found that 97% of protection insurance claims were paid out in 2013. The majority of refused claims were due to non-disclosed information.

Although the vast majority of claims are successful, it’s important to give your insurer all the information they ask for.

When a claim is made, insurers will look at your medical history and if you didn’t answer truthfully or accurately in your application, or didn’t disclose something, they might not pay out.

Buying a policy

Read the small print

Read the small print before you take out the policy so that you know what you’re buying.

Make sure you know exactly what is and isn’t covered. If you see something you don’t understand, ask the insurance provider, or your insurance broker or financial adviser.

Exactly what is excluded (what isn’t covered) can vary by insurer. When you’re comparing offers, you must read these definitions so you can be sure you’re comparing similar policies.

Use our protection insurance jargon buster to help you make sense of the jargon that’s often used.

Changing your mind

Once you’ve bought an insurance policy you have a right to change your mind within 30 days and get a full refund.

If you already have life insurance, is it worth switching?

If you’re young and/or healthy, you might find it easy to get a better deal.

But as you get older or develop medical problems, you might find it’s cheaper to stick with a policy you bought when you were younger.

hop around and remember to check with your existing provider too.

In any event, if you do decide to switch, don’t cancel your existing policy until the replacement policy is fully set up and you have made the first monthly payment.

Once you have cancelled a policy, you can’t change your mind.

Keeping your cover up to date

It is inevitable that your life insurance needs will change.

You should review your policy to make sure your premiums are competitively priced and that you still have the right amount of cover.

Common reasons to add more cover are:

  • You’ve had another child
  • Your partner has stopped working
  • You’ve taken out a new mortgage

On the other hand, if you change jobs and your new benefits package includes a higher ‘death in service’ benefit, you might be able to decrease your level of cover.

Do you need income protection insurance? This type of insurance provides regular payments if you are unable to work due to illness or injury.

Do you need payment protection insurance? Payment protection insurance will help you keep up with payments if you can’t work because you’re ill, had an accident or made redundant.

Do you need short term income protection? This solution provides short term cover to help you pay for essential outgoings if you find yourself unable to work.

Do you need critical illness insurance? This type of policy will provide you with a tax-free ‘lump sum’ if you’re diagnosed with a serious illness covered by your policy.

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    Do I Qualify for a Mortgage? Minimum Required Income Prequalify Calculator, what is reverse mortage.#What #is #reverse #mortage


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    what is reverse mortage

    If you have finally found your dream home and you haven’t pre-qualified for a loan yet in order to see how much you can afford when it comes to buying your home, you can work backwards instead. By plugging in certain information, such as the cost of the home, how much the interest rate on the loan is likely to be, and how much you will pay as a down payment, you can determine how much your income will need to be to qualify for the mortgage loan on the home you love.

    For example, if the home you are looking at costs $300,000.00 and you plan to put $30,000.00 down on a 30 year loan with a 5.000% interest rate, your total payment on the principal and interest will be $1,449.42. If your annual property taxes are $3,000.00 and your annual insurance is $1,500.00, that will bring your total monthly payment to $1,936.92. With a monthly payment of this amount, your total gross monthly income will need to be at least $6,456.39 in order to qualify for the loan.

    Estimated front and back ratios helps you to limit your housing and necessary living spending.

    Front ratio is a percentage of your gross income that you can spend on all housing related expenses, including property taxes and insurance. Back ratio is a percentage of your gross income that you can spend on your housing expenses plus cost of shelter: food, clothes, gas, etc.

    Front / back ratios with values of 28-33 / 36-42 considered conservative these days, values bigger than 35 / 45 called aggressive and not recommended for use.

    Can You Borrow with Your Current Income?

    Though you may feel that your finances are ready for a new home, the bank may not feel the same way. Mortgage lenders use a complex set of criteria to determine whether you qualify for a home loan and how much you qualify for, including your income, the price of the home, and your other debts.

    The pre-qualification process can provide you with a pretty good idea of how much home lenders think you can afford given your current salary, but you can also come up with some figures on your own by learning the criteria that lenders use to evaluate you.

    What is reverse mortage

    Home Loan Qualification

    Your income is, of course, an important criteria in determining whether or not you can afford the mortgage you want. However, what’s even more important is how much income you make in proportion to how much the home costs and in proportion to how much debt you have.

    Two important numbers that lenders look at when determining how much you can afford are the front-end ratio and back-end ratio.

    The front-end ratio is also called the housing-expense ratio. This looks at how much you make in proportion to how much the mortgage will cost you each month, including extras like private mortgage insurance, homeowners insurance and property taxes. Typically, lenders cap the mortgage at 28 percent of your monthly income.

    To determine your front-end ratio, multiply your annual income by 0.28, then divide that total by 12 for your maximum monthly mortgage payment.

    The back-end ratio is also called the total debt-to-income ratio, which compares your monthly income to your total debts. This includes not only your expected monthly mortgage payment, but also any other debts, such as a car loan, personal loans, student loans, alimony, child support, medical bills and more.

    To determine your back-end ratio, multiply your annual income by 0.36 percent, then divide the total by 12 months. Subtract your monthly debt payments to find out how much you can afford for your monthly mortgage.

    Different lenders have different criteria for their maximum front- and back-end ratios and other factors that consider to determine how much you qualify to borrow. In particular, loan programs from the U.S. Department of Agriculture, Veterans Affairs and the Federal Housing Administration have very stringent criteria, which may also include specific caps on your income, regardless or how low your debt levels are.

    Home Loan Calculators

    Though you will need to meet with a mortgage lender to get a precise understanding of how your financial circumstances affect how much money you can afford to borrow, using the above income qualification calculator can help you get an understanding of what you are likely to be able to afford before you ever start the process of looking for a home or getting pre-qualified for a mortgage.

    Just enter the property value, down payment you plan to make, interest rate you are likely to qualify for, length of the loan you desire, your estimated front and back ratio (using our affordability calculator found here) and your estimated annual taxes, insurance and private mortgage insurance. The calculator includes standard amounts for each item in case you aren’t sure what to enter. Your results will be e-mailed to you within moments, and you will have a clear understanding of what you can expect when you go meet with a mortgage lender.

    Money Saving Tip

    How much money could you save? Lock in low rates today

    Concrete Noun #abstract #noun,abstract #nouns,countable #noun,count #noun,common #noun,proper #noun,part #of #speech,nouns,concrete #noun,noun,concrete #noun, #what #is #a #concrete #noun, #what #is #an #abstract #noun, #noun #quiz,


    #

    Would you like to know the difference between concrete nouns and abstract nouns. Concrete nouns are things that you can experience through your five senses: sight, smell, hearing, taste, and touch. On the other hand, abstract nouns refer to ideas and concepts.

    General Types of Nouns

    Before we look at concrete nouns, let s see what a noun is and review the different types of nouns .

    Two broad categories of nouns would be the common and proper nouns:

    • Proper nouns are capitalized, as they refer to one person, place, thing, or idea in particular. They can be names of people, movies, books, places, months, days, organizations, buildings, etc. Examples are: Jane, Star Wars. Pride and Prejudice. Yellowstone Park, March, Friday, Girl Scouts, and the Statue of Liberty.
    • Common nouns are everything else, like stream, air, boys, whale, and love.

    Two other groups that you can sort nouns into are countable and uncountable:

    • If it can have a number in front of it, it is a countable noun, like cat, mile, jar, house, sack, cup, or moon.
    • Uncountable nouns are sometimes referred to as mass nouns, because they have mass but you can t count them. Some examples are: air, milk, rice, butter, oil, gas, furniture, luggage, happiness, coffee, and money.

    Collective nouns refer to a group of objects. They are like a collection or a unit.

    You can have more than one unit, so they may appear as singular or plural. For example: one family or two families, or one school or two schools.

    Other collective nouns are: faculty, team, troupe, gaggle, herd, swarm, coven, and senate.

    Defining a Concrete Noun

    You experience concrete nouns through your five senses: sight, smell, hearing, taste, and touch. If you cannot see, hear, taste, touch, or smell something, it is not a concrete noun.

    Concrete nouns can be:

    • Common nouns
    • Proper nouns
    • Countable and uncountable nouns
    • Collective nouns

    Concrete nouns can appear in singular or plural forms. Examples are:

    flower, bear, music, Niagara Falls, pie, incense, tornado, ranch, milk, team, Declaration of Independence, lotion, stars, Europeans, water, Big Ben, colony, and car

    Abstract Nouns

    Abstract nouns are like the opposite of concrete nouns. These are nouns that name things you cannot see, smell, taste, hear, or touch. They refer to emotions, ideas, concepts, tenets, beliefs, or your state of being.

    love, hate, bigotry, acceptance, tyranny, democracy, freedom, power, happiness, curiosity, peace, maturity, deceit, trust, integrity, culture, patience, rage, calm, anticipation, education, stupidity, safety, evil, progress, shopping, and virtue

    Quiz on Types of Nouns

    Take this quiz to see it you understand the different types of nouns:


    View Download PDF

    Answers:

    Part A Collective Nouns:

    My family went to the zoo on Monday. We saw a mob of people waiting to see a pride of lions. At noon, a marching band led a parade on the main street. Lunch was unpleasant because there was a swarm of flying insects around us. After that, we saw a tribe of baboons and some crazy monkeys.

    Part B Countable and Uncountable Nouns:

    1. _ U _ The cake needs more sugar.
    2. _ C _ I own 10 cars.
    3. _ C _ Look at all those geese.
    4. _ U _ I see a herd of bison.
    5. _ U _ Did you make the team?

    Part C Concrete and Abstract Nouns:

    1. _ C _ cobbler
    2. _ A _ sadness
    3. _ A _ liberty
    4. _ C _ butter
    5. _ A _ intelligence

    Concrete Noun

    What is a fast car under 5000 dollars? #portland #auto #auction


    #cars under 5000
    #

    Full Answer

    Similar Questions

    What is the difference between leasing a car and buying a car?

    When buying a car, the person owns it outright after fully paying for it, whereas leasing is more like paying to rent the car for a specified period of time, according to Investopedia. Although both can result in a new car, there are numerous benefits and drawbacks to both approaches.

    What is the difference in leasing a car vs. buying a car?

    The primary differences in leasing versus buying a vehicle are the ownership, monthly payment amounts and restrictions on use of the vehicle, explains Consumer Reports. Depending on the lease terms for return of the vehicle at the end of the contract, the length of time a person has the car differs.

    How do I trade my car that I just bought?

    A car owner can trade in a car that was just purchased by taking it to a dealership and inquiring about the vehicle’s trade-in value. If the vehicle to be traded still carries a loan, the loan must still be paid, but the specifics depend on how much is owed.

    How much will junkyards pay for your car?

    What is a Tune up? (with pictures) – mobile wiseGEEK #used #cars #by #owner


    #auto tune up
    #

    wiseGEEK: What is a Tune up?

    A car is essentially a machine, and as such, it requires a certain amount of preventative maintenance in order to continue to perform. A tune up is a regularly scheduled opportunity, usually once a year, to do all of the preventative maintenance that needs to be done. Ensuring that your car gets a tune up regularly will help maintain the performance of your car and extend its life.

    A tune up generally includes replacement of several parts on your car. These parts may seem superficial, but failing to replace them regularly can cause decreased performance in your car, and may even lead to other problems. For example, an air filter should be replaced at least once a year; failing to replace it when it’s dirty will cause your engine to get less and less of the air it needs to run properly. If the problem is left unattended, the air-fuel mixture will continue to run richer and richer —- meaning that there will be too much fuel and not enough air in the mixture —- and eventually cause other parts to fail.

    As you can see, a regular tune up is important to your car’s performance. The process should involve replacing the air filter, replacing or cleaning the spark plugs, and replacing the distributor cap and rotor. It can also include replacement of the spark plug wires, fuel filter. PCV valve. and oxygen sensor.

    Maintenance that is not included in the basic tune up may also be required, so a yearly check up provides a good opportunity to check the car’s systems, such as the brakes and clutch; all fluid and oil levels; and the operation of any other systems that are not used or checked regularly. If the procedure is done in spring or early summer, the air conditioning system should be checked as well, as it likely will not have been used for many months.

    A note on newer cars: most new cars use platinum spark plugs, which do not require frequent replacement. Platinum spark plugs are often claimed to last 60,000 to 100,000 miles (95,561 to 160,934 km), or even more. These spark plugs will not need to be replaced with every tune up. Some newer cars also use an electronic ignition instead of a distributor, and therefore do not need a new distributor cap and rotor. For most cars, it is a good idea to check the owner’s manual or shop manual to see what maintenance is recommended.

    What s the best tint film? #where #to #buy #used #cars


    #auto tint
    #

    Thread: What’s the best tint film?

    Sponsor ( Model S Owner) Join Date Jun 2012 Location DFW Posts 1,628

    What’s the best tint film?

    I’ve never tinted my cars before (though a couple came tinted from the dealer), so I’ve no real idea what to look for. My Audi dealer had a lame demo in an office showing the benefits of ceramic tint, and I’ve seen different posts on here, I guess 3M crystalline (sp?) appears the most popular? So, questions.

    – I see its legal in TX to do the windshield, I assume that’s well worth doing, baring in mind my car sits in an open parking lot all day long.

    – is there a particular film I should be looking for? Looking at the website of local shops, they all seem to have different products, all of which are somehow the best on the market!

    – my S is grey, and I’m only tinting for protection from heat, and aesthetics. That said, I don’t want it to look ‘pimped out’, so what’s the normal tint percentage for something subtle, but noticeable?

    Anything else I should be considering?

    Delivered Feb 8 2013 – VIN 4287 – 85Kwh/Dolphin Grey/Pano/Tech/Sound/Air/shelf/HPWC/Passport 9500ci/19 TSportline wheels

    What Is Full Coverage? #plaza #auto #mall


    #full coverage auto insurance
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    What Is ‘Full Coverage’?

    People often talk about having their cars “fully insured.” But for those who don’t really know the ins and outs of auto insurance terminology, exactly what does that mean and what type of coverages should they consider?

    While there are many auto insurance options you can choose, there’s really no such thing as “full coverage” for your car.

    The good news is that there are a lot of things you can do to make sure you have auto insurance that fits your needs and helps to protect you against a variety of perils that can cause losses. If you are conscientious and want to make sure you have all the types of coverage that are available, here is a list of several of the common auto coverages you may want to consider:

    Liability Coverage

    Liability coverage is typically included in all insurance policies, and it protects you from damage you cause to others or to property as a result of an accident for which you are at fault. Typically, the liability coverage in an auto insurance policy will contain three limits: the maximum payment for bodily injury per person, the maximum payable for bodily injury per accident and the maximum payable for property damage.

    As you probably already know, if you’re buying insurance, all states require some level of liability coverage. Find out your state’s auto insurance requirements here.

    Someone who is looking to obtain auto insurance coverage for their vehicle may want to go beyond the state requirements and buy a policy with higher liability limits. This may increase your premiums, but it will also give you greater coverage in the event of an accident.

    What s cheapest car insurance companies? Online Auto Insurance #best #used #cars #to #buy


    #auto insurance company
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    Online

    What s the Cheapest Auto Insurance Company?

    People often ask, What is the cheapest auto insurance company? Of course, we all would like to find it and pay cheap rates to keep our expenses low. But the reality is that there really is no single company that s the cheapest one of them all. But there is a tool to help drivers compare rates from multiple auto insurance companies and make a choice based on the best rate for them particularly.

    Compare and find the cheapest auto insurance companies and quotes:

    currently insured: yes no

    Understanding how the rating process works is important for the purpose of finding cheap coverage from quality companies. Insurers adjust their rates according to their profits and losses.

    • Example A:
      • If a company has to pay out a lot of money on claims for certain categories of drivers, they can raise rates for those categories in order to compensate for the losses they have caused.
    • Example B:
      • If a company has had a large profit for a certain category of drivers because of few claim payouts, they can offer lower rates to those motorists, increasing the number of policies sold and consequently increasing profit.

    There are many factors to look for in car insurance companies other than just price. Consumers should make sure they also take these other factors into consideration.

    If drivers purchase coverage that didn t cover any damages other than those to others in order to keep the premium at its lowest, they may regret it if their own damages are left uncovered in an accident. Determine which coverage is best, and then find the lowest price for that exact protection. It s comparing apples to apples to determine which is least expensive.

    The tool to find cheaper rates is the Internet. Compare auto insurance online from a bunch of companies with one simple process. You don t need to contact each one individually; just complete one single form.

    Questions on Finding Cheap Insurance Companies

    Auto insurance companies are both unique and competitive in how they rate motorists, and like many other products, there are usually distinct price differences between businesses. Individual insurers may target motorists in specific markets, meaning that the.

    Everybody would love to know which company is cheaper than all of the others, if that were the case there would probably only be one out there. The truth of the matter is that there is no such thing a the “cheapest”. So, while a friend may be paying a low rate with their provider, this may not necessarily mean that they can offer the lowest rates to others. This is due to the simple fact that insurers view and weigh each individual’s personal statistics to generate a.

    News about Insurers with Low Costs

    July 28, 2014 – GEICO spent hundreds of millions more in advertising dollars last year than other personal insurance carriers, according to a recent report. GEICO’s $935.1 million in ad expenditures increased less than a percentage point between 2012 and 2013, but the company still spent $280 million more than Allstate, the next-highest spender.

    April 08, 2011 – Auto insurance provider AAA released this week its 2011 Your Driving Costs study, which showed that the price of insuring a sedan dropped 6.1 percent while overall driving costs rose 3.4 percent since the publication of last year’s study. According to AAA, the.

    What Is The Best Company To Refinance A Car Loan With Bad Credit History Bad credit no money down used car loans 2014. #chilton #auto #repair #manual


    #auto refinance bad credit
    #

    What Is The Best Company To Refinance A Car Loan With Bad Credit History

    There are many questions people usually ask on refinancing a car loan with bad credit: I want to refinance my car loan but my credit is worse than when I bought it? Can I Refinancing a car Loan with bad credit? I want to refinance my car loan but I have really bad credit any suggestion on where to get a loan? How can I refinance my car loan with very bad credit?

    It is possible to refinance the loan you have taken on your car. It is not necessary that you will be happy with the existing loan you have taken. After obtaining the loan, you may learn that there are better options, and the good news is that by refinancing the car loan you can benefit greatly.

    Look out for companies offering a lower rate of interest:

    Those interested in obtaining a better rate of interest will always be on the look out for finance companies that provide a better rate of interest on the car loans. If you are looking forward towards saving money on the interest you can compare the present rates of interest with the rates provided by other finance companies. You may find that other companies do provide lower rates as compared to the one you already have. Getting lower monthly payments can surely help to save more funds and the worries regarding paying that extra money every month will be lessened.

    For refinancing the auto loan you have to first understand how that loan differs from the loan that you are presently having. Switching over to another auto loan as per carloan.com is not a difficult process. One need not worry much about changing over to another auto loan. Once you switch over to the other loan you will feel glad you thought about the change. When you change over you will find that the new lender pays off for your old loan on the car. The monthly payments will be made through a new car dealer or lender and the title of the loan will required to be transferred to the other name. First of all you need to understand that you have to look out for the best process available to refinance your vehicle.

    Check out for new loan lenders or dealers online:

    Nowadays, a number of websites are available that offer loans that can be refinanced. By doing window shopping you find that there are many possibilities of finding new car dealership to refinance the car loan. Different lenders provide different rates of interest. By comparing the refinancing rates of the cars, it will be much easier for you to select the most appropriate loan. Once you select the desired lender, then you should be in a position to immediately provide all your financial details to the new lender. Qualifying for the refinanced loan is most essential, after which the rest of the transactions will automatically take place.

    Details about your assets, your annual income, the debt load, as well as your credit rating all have to be presented to the lender. Once the loan is approved by the lender then there are a few charges that have to be paid to the lender. Re-registration fees as well as other fees like the holder fees have to be paid to the lender after which the deal is closed by both the parties. Now your existing car loan is replaced by the new loan which requires the title to be transferred in the name of the new lender. Changes in the economic situation of the country can cause depression in the economy which results in less credit at the disposal of the people. But whatever the situation, owning a car is always a dream to be fulfilled at some point or the other in life.

    What Is High Risk Auto Insurance? #auto #financing


    #high risk auto insurance
    #

    Other People Are Reading

    Temporary Denial

    Some reasons for denying insurance are temporary. If a driver gets several speeding tickets or is involved in an accident, the insurance company may allow the driver to purchase insurance again after a few years. The driver may also be able to take traffic school courses to remove violation points from his license. The amount of time before an auto insurance company no longer considers an old accident when it decides whether to insure a driver varies by insurer.

    Jobs

    An insurer can refuse to insure a driver because of mileage restrictions. If the insurer sets a maximum mileage on its policies, such as 30,000 miles per year, a pizza delivery driver or a taxi driver does not qualify for insurance from the company. High risk auto insurers may write a policy for people who do these jobs at a higher price.

    State Programs

    States establish programs to make sure that a driver who qualifies for a driver’s license can get insurance coverage. States often form partnerships with insurance companies to spread the burden of insuring high risk drivers across all insurance companies in the state. The state may also subsidize these high risk insurance policies. A state program is often limited to residents of the state.

    Family Members

    An insurer can refuse to write a policy because one member of the household is a high risk driver. According to the Ohio Department of Insurance, the insurance company expects members of a household to share their cars with family members. Another family member may have to purchase a policy that excludes coverage for the high risk driver, and the high risk driver can buy a separate high risk auto insurance policy.

    Auto Type

    High risk insurance is necessary for some types of cars. An insurer may not want to take the risk of insuring a luxury car, especially if it is a sports car that can operate at high speeds. An antique car, such as a Model T, may also be very valuable. There are some high risk insurers who specialize in offering coverage for cars that other insurance companies won’t insure. High risk auto insurers can also offer a higher amount of auto insurance coverage than the minimum limits state laws require.

    What is an Auto Technician: Careers and Certifications #auto #financing


    #auto technician
    #

    IntelliTec Colleges Blog

    What is an Auto Technician. Careers and Certifications

    What is an Auto Technician? Learn about: automotive mechanic careers, auto mechanic certification and auto repair salary

    What is an auto technician. and what is this career like in 2012? Ever changing technology has made automotive mechanic careers a bit more complex than previous decades. Employers highly value automotive technicians that have successfully completed an auto technician training program and look for candidates who hold an additional auto mechanic certification or two, such as ASE or Snap-on.

    If you’ve been thinking about a career as an auto technician or auto mechanic. read on to find out how you can boost your job prospects.

    Train hands-on at an auto mechanic school like IntelliTec College. Receive auto technician training and hands-on experience with state of the art tools, equipment and diagnostic computers and become prepared to begin your professional career as an automotive technician.

    1. Description of Automotive Mechanic Careers
    2. Automotive Repair Career Growth
    3. Auto Mechanic Certification:
      • ASE Certification
      • Snap-on Certification

    1. Description of Automotive Mechanic Careers

    Automotive mechanics and technicians typically tend to the inspection, maintenance, and repair of automobiles. They perform basic services like oil changes and tire rotations, diagnose any problems and take care of any necessary repairs.

    Good reasoning skills, an extensive knowledge of automobiles and strong communication and analytical skills are all qualities that employers tend to look for in a good automotive mechanic .

    2. Auto Repair Career Growth

    Automotive careers can be rewarding personally and financially. Though the outlook for automotive mechanic career growth is not quite as high as some other professions, there is still demand for automotive technicians. With the ASE and Snap-on certifications, competition should be greatly decreased, so someone with those credentials should have no problem finding positions.

    As older automotive technicians start to retire there may be much need for highly trained individuals to take their place.

    3. Auto Mechanic Certification

    Having an auto mechanic certification can make you more desirable to employers. Snap-on certifications and ASE certifications are valuable for an automotive technician to have, and employers love them.

    ASE Certifications

    The Automotive Service Excellence (ASE) certification is the automotive industry standard for automotive technicians. You should choose an auto mechanic school that can prepare you for ASE Certification testing. IntelliTec prepares you to take this exam with its auto technician training program.

    ASE has 40+ exams that an automotive technician can take which are grouped by specialty. These exams focus on real world knowledge of job-related skills. Retesting every 5 years is required to keep your ASE Certification current.

    Two years of experience and a passing grade on one of the above ASE examinations listed below are required for each area of certification. You can substitute a reputable auto technician training program for 1 year of experience.

    • Electrical systems
    • Engine repair
    • Brake systems
    • Suspension and steering
    • Heating and air-conditioning

    Snap-on Certification

    Having a Snap-on Industrial certification allows an automotive technician to successfully use Snap-on diagnostic equipment. Because of the sophistication of today’s vehicles, sophisticated diagnostic tools, such as Snap-on tools, are becoming more and more important to identify and diagnose repair problems.

    IntelliTec College is one of the auto mechanic schools that has chosen to partner up with Snap-on Industrial, a program dedicated to the use of Snap-on tools and diagnostics.

    • IntelliTec instructors are Snap-on certified and are trained to prepare each student to sit for the Snap-on examination.
    • Each student also receives a set of Snap-on tools and a tool chest upon graduation from the program.

    In Summary

    The first step to making a major life changing decision, such as choosing a career as an Automotive Technician. is to become as informed as possible about what that career entails:

    • Competitive salaries
    • Job versatility
    • Lots of room for advancement

    If that sounds like a good career choice for you, take the next step and begin your automotive technician career training today !

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


    #poor credit auto loans
    #

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

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

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

    Market conditions affect the rate of interest:

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

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

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

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

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

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

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

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

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

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

    The Best Car Battery? What Brand Name? #auto #loan #refinance


    #best auto battery
    #

    The Best Car Battery? What Brand Name?

    Austin, love your site man. Got a quick question for you if you have time to reply.  My Toyota Corolla probably needs a new car battery, it was dead this morning and is about 4 years old now.  I was wondering what brand name you would recommend I buy?  I want the best I can get because I use this vehicle for work and can not afford to be stranded in the middle of no where.  If that is possible

    Thanks

    David G.

    I would probably concur with your bad battery diagnosis, 4 years is about the most you are really going to get out of one these days.  As far as what is the best car battery, humm that really depends on a few things.

    I personally like A/C Delco batteries because they are well made and totally sealed and will not leak acid and resist terminal post corrosion pretty well.  They are not cheap, but they have a good warranty and I have sold them in my repair shop for many years with little to no issues.

    Your vehicle probably came with an A/C Delco battery from the factory as well, and I prefer to use the OEM battery replacement when possible.  BUT, with that said, there are many good batteries on the market these days, and probably made in the same factories as the top of the line ones as well.

    What is most important is the WEIGHT of the battery, pick it up and compare it to another similar battery on the shelf, and/or your old battery. You want a heavy feeling battery with as much lead in it as your old one or as much as you can get.  This is a simple test, but is a really good rule of thumb. A quality battery will be HEAVY to pick up.

    Second, you want to make sure the replacement battery has as many Cold Cranking Amps (CCA) as your old one does, or as much as the vehicle manufacturer recommends.  In layman s terms the CCA number is how much power the battery can give to the engine under a heavy load.  When it s really cold outside, it takes more energy from the battery to turn over a stone cold engine, with cold and thick engine oil.

    As far as brand names go, here are a few good ones with good quality and warranty history.

    1. A/C Delco (found in GM vehicles as well as some Toyota s)
    2. Interstate
    3. Motorcraft (found in Ford products)
    4. Duralast (from Autozone)
    5. Truestart (a Toyota replacement brand at the dealer, could very well be a A/C Delco with a different name)
    6. Autocraft (sold at Advance Auto Parts stores)  Double check the weight and CCA though

    Brands I don t really care for that much are:

    1. Diehard (from Sears, fine for lawnmowers and garden equipment but in my opinion not a great automotive battery)
    2. Everstart (from Walmart, again same as Diehard reasons)

    But in defense of these two brands, you can find a Walmart or Sears store in just about every city which makes the warranty replacement nice.

    The best way to check your battery life is to perform a load test and here is a simple video showing you how you can do it yourself.

    Please share this with your friends,

    Seven themes of Catholic Social Teaching #what #is #social #work #major


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    Seven themes of Catholic Social Teaching

    The Church’s social teaching is a rich treasure of wisdom about building a just society and living lives of holiness amidst the challenges of modern society. Modern Catholic social teaching has been articulated through a tradition of papal, conciliar, and episcopal documents. The depth and richness of this tradition can be understood best through a direct reading of these documents. In these brief reflections, we highlight several of the key themes that are at the heart of our Catholic social tradition.

    Life and Dignity of the Human Person

    The Catholic Church proclaims that human life is sacred and that the dignity of the human person is the foundation of a moral vision for society. This belief is the foundation of all the principles of our social teaching. In our society, human life is under direct attack from abortion and euthanasia. The value of human life is being threatened by cloning. embryonic stem cell research. and the use of the death penalty. The intentional targeting of civilians in war or terrorist attacks is always wrong. Catholic teaching also calls on us to work to avoid war. Nations must protect the right to life by finding increasingly effective ways to prevent conflicts and resolve them by peaceful means. We believe that every person is precious, that people are more important than things, and that the measure of every institution is whether it threatens or enhances the life and dignity of the human person.

    Call to Family, Community, and Participation

    The person is not only sacred but also social. How we organize our society — in economics and politics, in law and policy — directly affects human dignity and the capacity of individuals to grow in community. Marriage and the family are the central social institutions that must be supported and strengthened, not undermined. We believe people have a right and a duty to participate in society. seeking together the common good and well-being of all, especially the poor and vulnerable.

    Rights and Responsibilities

    The Catholic tradition teaches that human dignity can be protected and a healthy community can be achieved only if human rights are protected and responsibilities are met. Therefore, every person has a fundamental right to life and a right to those things required for human decency. Corresponding to these rights are duties and responsibilities–to one another, to our families, and to the larger society.

    Option for the Poor and Vulnerable

    A basic moral test is how our most vulnerable members are faring. In a society marred by deepening divisions between rich and poor, our tradition recalls the story of the Last Judgment (Mt 25:31-46) and instructs us to put the needs of the poor and vulnerable first .

    The Dignity of Work and the Rights of Workers

    The economy must serve people. not the other way around. Work is more than a way to make a living; it is a form of continuing participation in Gods creation. If the dignity of work is to be protected, then the basic rights of workers must be respected–the right to productive work, to decent and fair wages, to the organization and joining of unions, to private property, and to economic initiative.

    Solidarity

    We are one human family whatever our national, racial, ethnic, economic, and ideological differences. We are our brothers and sisters keepers, wherever they may be. Loving our neighbor has global dimensions in a shrinking world. At the core of the virtue of solidarity is the pursuit of justice and peace. Pope Paul VI taught that if you want peace, work for justice.1 The Gospel calls us to be peacemakers. Our love for all our sisters and brothers demands that we promote peace in a world surrounded by violence and conflict.

    Care for God’s Creation

    We show our respect for the Creator by our stewardship of creation. Care for the earth is not just an Earth Day slogan, it is a requirement of our faith. We are called to protect people and the planet, living our faith in relationship with all of Gods creation. This environmental challenge has fundamental moral and ethical dimensions that cannot be ignored.

    This summary should only be a starting point for those interested in Catholic social teaching. A full understanding can only be achieved by reading the papal, conciliar, and episcopal documents that make up this rich tradition. For a copy of the complete text of Sharing Catholic Social Teaching: Challenges and Directions (No. 5-281) and other social teaching documents. call 800-235-8722.

    Copyright 2005, United States Conference of Catholic Bishops. Washington, D.C. All rights reserved. No part of this work may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without permission in writing from the copyright holder.

    Text is drawn from Sharing Catholic Social Teaching: Challenges and Directions (Washington, DC: USCCB, 1998) and Faithful Citizenship: A Catholic Call to Political Responsibility (Washington, DC: USCCB, 2003).

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    Young Driver Insurance

    LittleBox is freedom to drive

    Admiral LittleBox is aimed at lowering the cost of young drivers’ insurance premiums and allowing them to demonstrate their ability behind the wheel. No more being branded as reckless drivers because of the actions of other youths, LittleBox measures how and when you drive alongside other risk factors to calculate your driving score – giving you the opportunity to be treated as an individual.

    Why choose LittleBox?

    It’s a great way for young drivers to get great discounts on our direct car insurance prices.

    There are no curfews with LittleBox, however regularly driving after 10pm may reduce your driving score.

    As long as LittleBox is active,
    our Theft Tracking service is included as standard.

    For comprehensive policyholders, if your car is under repair at an Admiral approved garage.

    Why is young drivers’ insurance so expensive?

    Young drivers are at a much higher risk of crashing than older drivers. Drivers aged 17-19 only make up 1.5% of UK licence holders, but are involved in 9% of fatal and serious crashes (Source, Brake, 2015). However, LittleBox by Admiral allows motorists to stand out from the statistics and receive the young drivers’ insurance policy they deserve.

    Benefits of Admiral LittleBox

    Obviously the main advantage of LittleBox is helping motorists overcome the high premiums associated with young drivers’ car insurance.

    You don’t pay an additional fee to have LittleBox fitted, and we immediately give you a discount on your young drivers car insurance.

    LittleBox young drivers’ insurance provides a courtesy car while yours is repaired at one of our approved repairers if you take out a comprehensive policy.

    LittleBox also has inclusive Theft Tracking in the event of your vehicle being stolen – so we’re there for both you and your first car.

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    Utah DUI Defense Attorney

    Why Choose David Rosenbloom?

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

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

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    The Things You Should Know If You – re Interested in Becoming a Psychiatrist #what #degree #do #you #need #to #be #a #psychiatrist


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    The Things You Should Know If You’re Interested in Becoming a Psychiatrist

    A psychiatrist, similar to a psychologist, deals with mental disorders and treating them. However, they have a distinct difference — psychiatrists are more affiliated with medicine. That means they focus more on studying, diagnosing, treating, and preventing mental disorders from a medical standpoint, rather than studying the patient and their behavior due to the disorder. So before you take a step into the world of a psychiatrist, you should make sure it is really what you want to do.

    Will I like Psychiatry?

    Are you able to listen to other people speaking, genuinely being able to take all the information given to you and respond appropriately? If your answer is no, psychiatry probably isn’t right for you. But if you believe you are capable to listening to a patient for up to an hour at a time without being judgmental, you may have what it takes to be a psychiatrist. And if you enjoy doing it, then that is even better. Here are some questions to ask yourself before getting started in psychiatry:

    • Do you like being in one on one situations rather than being in a group?
    • Do you like letting other people lead conversations?
    • Can you maintain composure under stress or duress?
    • Do you like having people place their trust in you?
    • Are you a patient person? If not, you may find being a psychiatrist to be one of the harder jobs you will face.
    • Are you interested in the human mind and the various affects medication has in restoring or repairing it to its optimum form?
    • Are you interested in learning more about mental disorders such as schizophrenia or PTSD?
    • Are you good at memorizing? Do you like to diagnose problems?

    These are some of the things to keep in mind before you decide to go into psychiatry. And while these introspective questions may not be extensive, they are some key indicators in telling whether you will be interested in the field before you jump right into it.

    What does it take to become a Psychiatrist?

    The road to becoming a licensed psychiatrist is long one, but if you love the field and want to help people with mental ailments, it is well worth the time and effort needed. First off, you must have your bachelor’s degree. Some students choose to major in psychology, but there are many other social sciences or life sciences that will be equally useful. You could do sociology or health science if you are more interested in the “people” aspect, or you can go into physiology or biology if you are into the medical aspect. However, no matter which one you choose, it is important to get some pre-med experience throughout your journey. Once you are prepared, you can take your MCATs in order to apply for medical school once you obtain your undergraduate degree.

    Upon entering medical school, you can expect to find a similar environment from your undergraduate experience – basically just taking science classes in order to expand your knowledge in the field of medicine. However, after two years, you can expect to start shadowing doctors, psychiatrists, or other health care professionals in order to finish your medical school training. This second part of medical school is called rotations. All in all, you can expect medical school to last four years. Before graduating, you will need to apply for residency in some psychiatric facility in order to finalize your psychiatrist licensing.

    Your residency will take you an extra four years but will develop your skills using on-the-job training. You will work with mentors and other residents in rotations in order to get hands on experience in all fields of psychiatry, including research and diagnosis. You will also receive clinical training in order to further expand your knowledge of psychiatric medical treatments. Overall, your time in your residency should be a rewarding and enriching experience, if you take it in the right place. Choosing the perfect place to do your residency is another topic of its own, and should be thoroughly researched before committing to one.

    Finally, after you go through your undergraduate program, medical school, and residency, you must pass your state’s board exam in order to be licensed. From there you can become certified with the American Board of Psychiatry and Neurology and get started with helping people get their lives in order.

    What is being a psychiatrist like at medical center?

    If you want to be a psychiatrist at a private practice, then your days are very much like that of a psychologist or a private doctor — it will be a lot of one-on-one interaction with your clients and you will go home in the afternoon. But if you want to practice psychiatry at a medical center or hospital, here is what you should expect:

    As a psychiatrist at a medical center or hospital, you can expect to start your days at any given time depending on your rotation. On your shifts, you will have your interns going over the events of the previous shift to catch you up (this is something you should be familiar with my now since you went through your residency). From there, you pick and choose between all the patients, deciding which ones need to stay and get inpatient care, and which ones just need to go home with a prescription. Some may just need a follow up with a different specialist, such as a neurologist.

    Your days will be filled with listening to the interpretations of patient stories through the mouths of your interns – in some cases you will listen to the patients if the interns have trouble finding a trigger for a psychiatric break, but know there is something wrong with the patient. During this time, you will also be responsible for training the interns by questioning everything they do, and explaining anything that you do.

    If you are interested in becoming a psychiatrist, you now have all the information you need in order to reach your goals. While it may take a long time, it may be worth it if you like to help others improve their lives by conquering their mental demons. As a psychiatrist you will be learning, studying, diagnosing, and treating mental disorders from a medical standpoint in order to enrich the lives of your patients. If that sounds like you, then psychiatry is your calling.

    Frequently Asked Questions about donating your car – Cars for Charity – Portland, OR #what #can #i #donate,cars,trucks,boats,rv’s,motor #homes,motorcycles,off #road #vehicles


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    Q. What Can I Donate?
    A. Cars, Trucks, Boats, RV s, Motor Homes, Motorcycles, Off Road Vehicles, Heavy Equipment and most other motorized vehicles. We will help you through the process of donating any of these vehicles. If you have any questions regarding donations, please contact us by email or talk to a Donations Specialist by phone at 971-221-3388
    Donate Now!
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    Q. Is my vehicle donation tax deductible?
    A. Donations to a non-profit organization or charity that is classified under 501(c)[3] are often tax deductible. If the charity you designate to is classified as such, the donations made to us may be utilized as a tax write-off, allowing you a car donation tax break. Everyone s tax situation is different, so consult with your tax professional to determine how you may benefit.
    Donate Now!
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    Q. How much will my tax write-off be? (And how do I determine the value of my donation for a possible IRS car donation tax break and tax write-off purposes?)
    The amount that is tax deductible is the sale amount of the vehicle. See what Cars for charity does with your car to get a higher sales price (on average) than other car donation programs.

    For more information on tax write-offs, see the IRS information on vehicle donations. Everyone s tax
    situation is different, so consult with your tax professional to determine how you can benefit.
    Donate Now!
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    Q. What paperwork do I need to donate a vehicle?
    A. You ll need a title to the vehicle. If you are missing paperwork, please call us at 971-221-3388 and a representative will be happy to assist you.
    Donate Now!
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    Q. My vehicle is not running. Can I donate it?
    A. We accept vehicles running or not; however, we do prefer the vehicle to be intact. Occasionally, we will make an exception depending on the year, make and model of the vehicle.
    Donate Now!
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    Q. How quickly will you pick up my vehicle and how does the donation process work?
    A. In most cases your car can be picked up within 48 hours. The vehicle will be picked up by a licensed tow company at no cost to you and be taken to one of our sales locations.
    Donate Now!
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    Q. What does Cars for Charity do with my car?
    A. We have sales locations where we evaluate the cars. When it is cost-effective, we make major or minor mechanical or body repairs, and then we detail the cars and sell them on the retail market. We don t just use auction houses to sell the donated vehicles, because we want to maximize the financial assistance to the charities and provide you the donor the best tax write-off you can take. Cars for Charity strives to have the highest return on the sale of the donated vehicles.
    Donate Now!
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    Q. Can I choose a charity of my choice?
    A. Absolutely! We are dedicated to offering an avenue for people to contribute and support their interests.
    You may choose from the list of partner charities who provide services to individuals or families that are in need of physical, emotional or spiritual support. You will be donating your vehicle to the charity of your choice and will receive a receipt from them.
    Donate Now!
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    Q. Can I designate a church or organization not listed on your Website?
    A. Yes. However, if you wish to donate to a charity or church not listed on our site, a short delay will occur before we can accept your donation. You will need to email or call Cars for Charity and specify the name and address of the charity. We will be able to accept your vehicle after we have completed the appropriate agreements with the charity. This usually can be done very quickly.
    Donate Now!
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    Q. I m ready to donate. How do I get started?
    A. To donate online, simply click on one of the following easy online form to donate your vehicle, boat, RV or motorcycle (running or non-running).

    To donate by phone, call 971-221-3388 and we ll be happy to help!

    You can also fax or mail your donation request to us. Download a PDF or Word form. (Fax number and address are on the forms.)
    Donate Now!
    [top]

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    Certification Overview

    Become Caliper certified and deliver added value to your organization

    Caliper offers clients different levels of certification based on specific business goals, level of expertise, and use of the Caliper Profile . The core certification program is called Foundations, which is designed to provide clients with a detailed understanding of the Caliper Profile . using the Caliper Advisor report as a primary tool. It also offers 13 hours of HRCI credits*. The curriculum includes content on psychometrics, compliance, interview questions, and interpretation of the Caliper Profile behaviors and traits.

    The Master Level of certification, available to clients who have successfully completed the requirements of the Foundations program, is designed for developing a deeper connection between the Caliper Profile and its application in selected talent-management strategies. Those individuals completing the Master program will receive an additional 6.5 hours of HRCI credits toward their re-certification requirements.

    Caliper is recognized by SHRM to offer Professional Development Credits (PDCs) for the SHRM-CPSM or SHRM-SCPSM. This program’s Foundations workshop is valid for 13 PDCs for the SHRM-CPSM or SHRM-SCPSM and the Master workshop is valid for 6.5 PDCs for the SHRM-CPSM or SHRM-SCPSM. For more information about certification or re-certification, please visit www.shrmcertification.org.

    Programs are offered in two settings:

    • Regional events that bring together representatives from different Caliper clients, who will learn together and from each other in a collaborative environment
    • On site at the client location, where activities and case studies can be contextualized to your specific needs

    Regional events and client-specific programs include a series of interactive webinars, Caliper Clips, an on-site 2-day (Foundations) or 3-day (Master) workshop, and consulting time with a Caliper Coach.

    Who is Certification For?

    Caliper Foundations is appropriate for people in our client organizations who are interest in increasing their knowledge about, and more strategically using, the Caliper Profile .

    Caliper Master Level is appropriate for clients who have successfully completed the Foundations program and want to utilize specific Caliper tools and programs in preparation for a series of strategic applications within their company, talent-management topics, and best practices. Master Level training also offers interactive opportunities to practice the connection between the Caliper Profile and each topical area.

    Why become Caliper Certified?

    • You will be your organization’s in-house expert on Caliper Profile interpretation, tools, and reports
    • You will be able to effectively incorporate Caliper Profile results into solutions that encompass the entire talent-management process
    • You will have access to a Caliper coach as well as exclusive continuing-education opportunities
    • You may qualify for continuing-education credits based on educational time as outlined in program agenda

    *The use of the HRCI seal is not an endorsement by the HR Certification Institute of the quality of the activity. It means that this activity has met the HR Certification Institute’s criteria to be pre-approved for re-certification credit.

    Where will Certification be offered?

    Foundations and the Master Level client certification programs are offered in Princeton, New Jersey, and other locations throughout the year. Program dates and locations will become available and announced via our website. Customized, client-specific certification programs are available for groups of 5 or more. Contact Caliper directly for more details about planning a customized certification program for your company.

    When will Certification be offered?

    Check the list of “Upcoming Classes” below for the most up-to-date certification schedule.

    CERTIFICATION FEE

    The certification fee (variable by program selection) includes all material, lunches, and snacks. Travel, lodging, and transportation expenses are the responsibility of the participant.

    CERTIFICATION CANCELLATION FEE

    If you cancel your registration, we will transfer your registration to a future certification program of your choice. Caliper does not offer refunds of certification programs.

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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