Who Has the Cheapest Auto Insurance Quotes in Illinois? #mercedes #auto #parts

#cheapest auto insurance

Who Has the Cheapest Auto Insurance Quotes in Illinois?

We recently analyzed auto insurance rates in the state of Illinois to give readers an indication of which companies were the cheapest for drivers. Even though the average annual cost in Illinois was just slightly over $500 for a policy meeting the state minimums, the truth is you can pay significantly more or less depending on where you live and which insurance company you decide to insure with. As such, we always tell our readers to get multiple quotes (from at least 3 different insurers!) so they can compare and get great rates. If you want to find out which auto insurers operate in your area, enter your zip code in the box above and follow through to see what quotes there are. Otherwise, continue reading to learn more about the best auto insurance rates in Illinois.


Cheapest Auto Insurance in Illinois

Cheapest Car Insurance in Illinois: by City

Chicago, IL

The largest city in Illinois and 5th largest in the United States, more than 12 million people call the Chicago metro-area home. Chicago is also frequently referred to as the “Windy City” not because of the strong gusts blowing in off Lake Erie, but in remembrance of the politicians who ran the town in the 1800’s. Auto insurance costs in the Windy City were found to be $729 per year for a state minimum policy, which works out to be 34% more expensive than our 10-city average.

If you’re looking for cheap car insurance in Chicago, we suggest starting with The Hartford, COUNTRY Financial, and Farmers. The average premium quoted at the three cheapest companies in Chicago was $378 for a minimum policy, which could mean about 48% more savings compared to the typical insurer here. However, Chicago was also the city with the widest range in annual rates; the highest quote we found was $2,406. As you can tell from the wide range of quotes in Chicago, it certainly pays to compare rates before choosing an insurer.

Aurora, IL

Illinois’s second largest city, Aurora is a suburban town 40 miles west of downtown Chicago with 200,000 residents inside the city limits. As one of the first US cities to have electric street lights throughout town, Aurora is nicknamed the “City of Lights” and is so large it extends into four different Illinois counties. As the 2nd most populous city in the state, Aurora fared much better than Chicago in regards to auto insurance rates. It ranked 4th best city for low auto insurance costs – $498 annually for our sample drivers’ minimum limits – among the 10 cities we studied.

For low-cost auto insurance quotes in Aurora, include Cincinnati, The Hartford, Farmers, SECURA, and COUNTRY Financial in your shortlist of companies to review. We found that these 5 insurers quoted our sample drivers in Aurora similar cheap rates, with a mean quote of $318 a year – or just below $160 for a 6-month policy, which is like saving $179 more compared to the typical Aurora motorist every year. Especially in the case of Cincinnanti Insurance, our sample motorists (2 single men and 2 married couples, range of age between 30 and 65) found quotes as cheap as $282 a year. Note that these rates are for a basic auto insurance policy meeting Illinois’s minimum limits requirement, with some uninsured motorist protection.

Rockford, IL

Located in north-central Illinois with the beautiful Rock River running right through its downtown, Rockford, IL is the third most populated city in IL with 152,871 citizens in the city and more than double that if you include the entire metro area. Amongst other redeeming attributes of “Forest City” are its easy access to transportation, Illinois’s biggest musical festival, and the affordable cost of living. Rockford’s car insurance rates rank 3rd lowest among the cities we surveyed. Annual rates in Rockford on average are $493 or around $41 per month for our four profiled motorists.

We found the best auto insurance quotes in Rockford at Hastings Mutual, The Hartford, and SECURA. Also not far behind were COUNTRY Financial and Farmers, both of which offered similar coverage at around $355 a year. Rates from all five companies averaged $315 a year for a policy with limits of 25/50/25 for a Toyota – that’s 36% less than the average going cost of $493 in Rockford. Whether you are married or single, we recommend including them into your insurer shopping list.

Joliet, IL

Illinois’s fastest growing city and also its fourth largest, Joliet lies 45 minutes by car to the southwest of Chicago along the Des Plaines River. Formerly an industrial city, Joliet has seen significant growth in recent years from entertainment and cultural industries. Whether it’s the casinos, the OTB, the racetracks, or the Rialto Square Theatre, Joliet is attracting more and more people to discover its beautiful city. Our four drivers found rates averaging $540 a year for car insurance just meeting the state’s minimum requirements – almost at par with the composite average of $544.

In our analysis, however, savings could be found at these three companies, which had some of the lowest rates in Joliet: The Hartford, SECURA, and Cincinnati Insurance. Their average annual premium quote of $339 represents a 37% decrease versus the overall city. If you will like to add to some variety, also consider looking into Farmers and COUNTRY when you shop. Together, these five carriers had the most affordable auto insurance rates in Joliet for our four profiles.

Naperville, IL

The most affordable auto insurance of Illinois’s largest cities, Naperville is a suburb of Chicago and home to 143,000+ residents. Although once a farming town, Naperville has transformed into an affluent city which has been on innumerable “Best Places to Live” list throughout the years, and for good reason. Amongst Naperville’s other past awards is the “Best Public Library” distinction, it is also the best city to live in for cheap auto insurance rates! And although the cost of living is almost 20% higher in Naperville than in the rest of Illinois, its car insurance rates are cheaper than average at $467 per year or $39 monthly for basic 25/50/25 liability insurance for our sample motorists.

COUNTRY Financial (an Illinois local!) and The Hartford both take the cake with the cheapest auto insurance rates in Naperville with premiums running around $294 per year. 37% cheaper than the Naperville average. Not far behind are Farmers, SECURA, and Cincinnati, which all represent more than $100 savings compared to what the typical Naperville insurers are charging.

Best-Rated Auto Insurers in Illinois

Trying to judge which auto insurance company is the most reliable and has the best customer service can be difficult. One statistic we think is useful is called the ‘complaint ratio’. This figure captures the number of complaints each company receives in a calendar year per $1 million in written premiums. Looking for the company with the lowest complaint ratio can give you an apples-to-apples comparison in your search for the best auto insurance company.

Below is a list of Illinois insurers’ 2013 complaint ratios, as calculated and published by the Illinois Department of Insurance based on the customer complaints reported. The lower the ratio, the better the company’s rating.

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?


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.

Public Moving Services – Best Rated Long Distance Moving Company in US #who #is #the #best #moving #company #for #long #distance


Public Moving Services Becomes the Fastest Growing Moving Company in US

Public Moving Services opens new locations in several states every month.

Public Moving Services has become one of the fastest-growing long-distance moving companies in the US, having recently expanded to several new states. Now a leading moving company in the country, they serve homes and businesses all over the US, with a focus on Texas, North and South Carolina, Illinois, Kentucky, Massachusetts, Florida, Connecticut, Colorado, Indiana and Maryland.

The company understands that moving house can be both a stressful and exciting time, and this is doubly true for families moving to an entirely new state. With that in mind, Public Moving Services now offers the full range of moving and relocation services to help ensure that their customers get a great head start in their new homes. Their services are also tailored to meet the individual needs of the client, and they offer to take care of any packing before they load everything into the vans.

Being a full-service moving company, they also have their own storage depots. If customers are not quite ready to move everything to their new place, they can use secure storage facilities for as long as is necessary. Whatever the customer’s situation, Public Moving Services will take care of every individual moving need by providing all the services needed for the process to go smoothly. They also offer an optional package, whereby they can safely disassemble fragile electronic items and set them up in the new place.

Public Moving Services serves all 50 states, and they work with clients large and small from government-run facilities to small family homes. They are also supporters of the Senior Citizen Support Group, the World Vision for Children and the Department of Defense. However, while they might be a big company, they remain a family-owned entity. As such, they treat all their clients like family, priding ourselves on offering a safe, reliable and affordable service no matter what.

About Public Moving Services

Public Moving Services is based in Charlotte, North Carolina. They have more than 15 years of experience in the field of relocation services. Over the years, they’ve built up a reputation as one of the best moving services in the US, particularly when it comes to long-distance, interstate moves. They offer fast delivery, quality packing, a Web-based tracking system and professional customer support as well. As such, all customers can be confident that the company is the right one to choose for their move.

Pubic Moving Services

We take your move personally and we continually manage our ongoing commitment to quality. Public Moving Services is a licensed and insured, mid-sized company that provides our customers with single source accountability!

We are not the lowest price nor the highest, but we provide a value that’s unmatched in our industry. We’re big enough to get the job done, but small enough to care and meet your logistical challenges!

Long distance moving expertise

If you’re moving from state to state or cross country, you’ll want a mover who brings experience to the table. With 15 years of transporting our customers’ items carefully across the nation, you can be sure Public Moving Services is the right moving company for your long distance needs. Our friendly moving experts can prep you on what you’ll need to do to get ready for your long distance move. Don’t trust a cross country move to just any moving company.

Full-service moving, packing, setup and storage Public Moving Services

We know that with a move on the horizon, you have a lot to prepare for. That s why we offer a full range of moving services that can be customized to your needs. Let us take care of packing your items before we load them into our moving trucks. Upon arrival at your destination, we can also help unpack and set up. We also provide storage services if you re not quite ready to move everything into your new place at once. If convenience is an important element to your moving process, you ll love our Solution Driven Packing packages, offering services like electronics disassemble and setup as well.

Public Moving Services Team

So happy I used this company. The teams on both ends were amazing! At pickup everything was wrapped so professionally, I was so impressed. Thank you guys for a job well done!

Best movers I ve met in spite my previous bad experiences with moving companies. They did their best effort to meet my expectations. Everything was packed fast and skillful and my wife was very happy with their performance, I mean the way they covered our furniture to get it safety deliver to our new home. I recommend it to everybody.

Great job guys. Packing was good and delivery was on time !

Who Discovered Lead, who discoverd lead.#Who #discoverd #lead


Who Discovered It



Lead is an element classified as a heavy metal. It is malleable and soft. Lead changes color depending on its state. When you cut a piece of lead in half, it looks bluish white. Exposure to air causes it to turn a grey. When melted, lead has a silvery look like chrome. No one knows who discovered lead, but it probably made them sick. Like another heavy metal, mercury, lead is poisonous.

Lead is a fairly common and easy to extract metal. Its use was widespread in Europe and the Mediterranean. Lead was probably discovered along with silver, with which it is often mixed. Silver slag have been recovered along the Aegean Sea dating back several thousand years BC. Early evidence of lead include lead beads from 6400 BC in Turkey, and verse 15:10 of the Book of Exodus. Lead was also discovered independently by the Egyptians, Babylonians, Assyrians and Chinese.

Mining for lea is a dangerous business. The Greeks and Romans knew this as well as we do now. Because lead is poisonous, miners would die from constant exposure after only a few years. Naturally freemen didn’t want to handle raw lead. They forced their slaves and prisoners to do it.

The Romans used lead for baths and plumbing. In fact the modern word plumber comes from the Latin “plumbum” for soft metal. Originally the Romans distinguished between lead and tin as “black plumbum” and “white plumbum” respectively. They also used lead pots or copper kettles line with lead for making wine. The Romans found many uses for lead: for pipes, dishes, coins, gladiator knuckles, beauty products and they even used it to flavor their food.Who discoverd lead

Lead was associated with the planet Saturn and the earth. It was a base metal opposite the noble metals gold and silver. In alchemy it symbolized the material body as a prison of the spirit. It was believed that lead could be transformed into gold through magical means. This belief goes back farther than the Middle Ages when alchemy was known as a pseudo-science. In earlier times, the Romans held that Saturn was the god of the Golden Age, suggesting the same belief: that lead can be turned into gold.

Saturn was also a god of bad luck. Witches and sorcerers would strike objects made of lead to curse people.

Lead has many uses. It is the heaviest stable atom in the world. Because it is so dense, lead is used to add weight to fishing nets, diving gear and anchors. True to its evil reputation in ancient times, lead makes a good bullet. Its heavy weight gives it momentum when shot off a gun. Lead is also used in building construction, batteries, pewter, solder, ceramic coloring, radiation shielding, organ pipes and tennis racquets.

Who invented the internet? Ask History #who #founded #the #internet


Who invented the internet?

As you might expect for a technology so expansive and ever-changing, it is impossible to credit the invention of the Internet to a single person. The Internet was the work of dozens of pioneering scientists, programmers and engineers who each developed new features and technologies that eventually merged to become the “information superhighway” we know today.

Long before the technology existed to actually build the Internet, many scientists had already anticipated the existence of worldwide networks of information. Nikola Tesla toyed with the idea of a “world wireless system” in the early 1900s, and visionary thinkers like Paul Otlet and Vannevar Bush conceived of mechanized, searchable storage systems of books and media in the 1930s and 1940s. Still, the first practical schematics for the Internet would not arrive until the early 1960s, when MIT’s J.C.R. Licklider popularized the idea of an “Intergalactic Network” of computers. Shortly thereafter, computer scientists developed the concept of “packet switching,” a method for effectively transmitting electronic data that would later become one of the major building blocks of the Internet.

The first workable prototype of the Internet came in the late 1960s with the creation of ARPANET, or the Advanced Research Projects Agency Network. Originally funded by the U.S. Department of Defense, ARPANET used packet switching to allow multiple computers to communicate on a single network. The technology continued to grow in the 1970s after scientists Robert Kahn and Vinton Cerf developed Transmission Control Protocol and Internet Protocol, or TCP/IP, a communications model that set standards for how data could be transmitted between multiple networks. ARPANET adopted TCP/IP on January 1, 1983, and from there researchers began to assemble the “network of networks” that became the modern Internet. The online world then took on a more recognizable form in 1990, when computer scientist Tim Berners-Lee invented the World Wide Web. While it’s often confused with the Internet itself, the web is actually just the most common means of accessing data online in the form of websites and hyperlinks. The web helped popularize the Internet among the public, and served as a crucial step in developing the vast trove of information that most of us now access on a daily basis.

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Fact Check We strive for accuracy and fairness. But if you see something that doesn’t look right, contact us.

Knowledge Base #determine #number #of #learners #who #have #completed #different #stages #of #multiple #online #courses,array #formula,blank,calculate,calculatetable,countif,distinctcount,filter,frequency,hasconevalue,if,match,max,min,row,sumproduct,vlookup,iferror,index,small,cubemember,cuberankedmember,cubeset,cubevalue,topcount.,generate #a #list #of #assignees #for #different #projects #based #on #a #competency #matrix,address,indirect,sum #the #largest #5 #of #the #last #10 #numbers #in #a #row #ignoring #blanks,column,offset,subtotal,sum,cortana,sand #dance,powerbi.com,powerbi #desktop,natural #language #queries,convert #a #text #entry #into #its #number #equivalent,len,lookup,mid,rept,text,compute #an #average #for #the #same #day #in #the #past #3 #years,averagex,countax,earlier,format,year,visualising #data #flows #using #custom #visuals,summarise,union,sales #data #modelling #and #interactive #visualisations #of #an #e-commerce #company


The firm may or may not have glass sheets of this specific size. The objective is to identify glass sheets, from the inventory on hand, which match customer specifications. If there is no exact match, then one must be able to obtain all inventory items which have the same Thk (MM) and CAT as the customer specified dimensions but the Length and thickness should be more than equal to the customer specified dimensions. The length and width can then be trimmed to match the exact customer dimensions. Furthermore, the result returned should:

  1. List only the Top 30 glass sheets available in inventory; and
  2. List those Top 30 glass sheets in ascending order of wastage (wastage caused when the glass sheet is trimmed to match the customer specified dimensions)

You may refer to my solution in this workbook. I have shared two solutions – one using Excel formulas and the other using Power Query a.k.a. Get and Transform in Excel 2016. Please read the Comments in cells F1, J9 and J16 of the “Solutions” worksheet. The difference between the 2 solutions is:

  1. Formula driven solution This is in range J10:AM14 of the Solutions worksheet. This is a semi dynamic solution (as compared to the Power Query solution). To get the models in ascending order of wastage, one will have to create an Area column in the base data and sort that column in ascending order.
  2. Power Query solution – This is in range J17:AM21 of the Solutions worksheet. This is a dynamic solution. Just change the customer specified dimensions in range G2:J2 of the Data and Query worksheet. Thereafter just right click on any cell in the range below and select refresh.

Posted by Ashish Mathur on November 2, 2016

Here is a simple four column dataset

A simple Pivot Table (with a slicer) created from this dataset looks like this

The objective is to determine the Top 3 users of each week for each slicer selection. Unfortunately, there is no way to sort multiple columns of a Pivot Table all at once. Once may either sort by the Grand Total column or by the individual week wise columns. Since we do not want to sort by the Grand Total column, the only way out is to sort the individual week wise columns. The expected result should look like this:

I have solved this problem by using CUBE formulas. You may refer to my solution in this workbook .

Posted by Ashish Mathur on September 20, 2016

Here is a small sample of a Project matrix which shows tasks to be accomplished for various projects. There can only be upto 6 tasks per project.

From these two tables, one may want to generate another table showing which employees can be assigned to which project (only those employees should be assigned to a project who can complete all tasks). So the ideal solution is to create another column (8th column) in the Project matrix table above which should have a drop down (Data Data Validation) for every project showing which employees are competent for that project.

Here’s an illustration :

Assuming that the Project matrix is in range A1:G4 (headers are in row 1)

  1. In cell H2 (for Project1), the drop down should show Jane, Lynda, Paddy and Tom. Mary should not appear there because she cannot perform one of the 3 tasks required to complete the project i.e. Gardener.
  2. In cell H3 (for Project2), the drop down should show Lynda, Paddy and Tom. Jane and Mary should not appear there because they cannot perform the Digging and Engineering tasks respectively.

The solution is dynamic for the following:

  1. Projects added to the Project matrix Table; and
  2. Tasks added (upto 6 only) or edited in the Project matric Table; and
  3. Employees added to the Competency matrix Table; and
  4. Tasks added to the Competency matrix Table

I have solved this problem by using:

  1. Power Query; and
  2. Formulas in Data Data Validation.

You may download my solution workbook from here or here .

The objective is to generate the numeric code for text code of any length entered in a certain cell. For example, a user will type a certain text code, say ABEJ and the expected result should be 1250. For JABF, the result should be 0126. The text entry and text length are both user determined.

With ABEJ, typed in cell D2, enter this array formula in cell E2

This formula can now be copied down for generating the numeric code for all text codes entered in column D.

Posted by Ashish Mathur on January 28, 2016

Assume a simple two column dataset with dates in column A and numbers in column B. The dates in column A are from January 1, 2013 to December 31, 2016 and numbers in column B are for the period January 1, 2013 to December 31, 2015 (there are no numbers for January 1, 2016 to December 31, 2016).

The objective is to “Compute an average for each day of calendar year 2016. The average should be for the occurrence of that day in the previous 3 years”. Here’s an example:

1. January 1, 2016 was a Friday (the first Friday of 2016) and is in cell A1097
2. In cell B1097, the average should be computed as: Average of the “First Friday of each of the previous 3 years”
3. January 8, 2016 was a Friday (the second Friday of 2016) and is in cell A1104
4. In cell B1104, the average should be computed as: Average of the “Second Friday of each of the previous 3 years”

I have solved this problem with the help of the PowerPivot. You may refer to my solution in this workbook .

Posted by Ashish Mathur on January 17, 2016

Given this dataset, one may want answers to the following questions:

1. Of all those passengers who originated their journey (City of Origin) from Chandigarh, how many terminated their journey (City of destination) in New Delhi via different modes of transport; and
2. Of all those passengers who terminated their journey (City of destination) in Jammu, how many arrived in Amritsar (City of Origin) via different modes of transport; and
3. Of all those passengers who travelled by Bus, how many travelled from City A (City of Origin) to City X,Y,Z (City of destination)

While one can analyse/slice and dice this data using Pivot Tables, one cannot visualize this data very clearly (even after creating a Pivot chart). I have attempted to visualize this data using a software called PowerBI desktop (a free for download and use Business Intelligence software from Microsoft which rolls all of Excel’s BI tools into 1 – PowerPivot, Power Query, Power Map and Power View).

You may download the source Excel workbook and the Power BI desktop workbook from this link .

You may also watch a short video here:

Posted by Ashish Mathur on November 13, 2015

In this workbook. I have Sales data of an E-Commerce Company for 3 months. The typical columns in the base data are:

1. Order Date/Time
2. City to which orders were shipped
3. Order Number
4. Payment Type i.e. Cash on delivery, Net Banking, EMI’s
5. Order Status i.e. Delivered or cancelled
6. SKU’s which the ordered items fall into
7. Products which the ordered SKU’s fall into
8. Categories which the ordered products fall into

Given this simple tabular representation, one may want to analyse and visualize this dataset from multiple perspectives based on user selections, such as

“What was the revenue earned from the Top 5products in the A100 category in April for orders shipped to New Delhi ?”

In this query framed above, the end user should have the leeway to select any/all of the underlined facets. So one can either choose revenue earned or Number of orders. Likewise, one can either select Top 5 products or Top 15 products/Top 5 SKU’s etc.

With relative ease, one should also be able to “Perform an affiliate analysis” showing which categories are ordered together (to study affiliations). Please review this post for an independent discussion on “Affinity Analysis”.

Furthermore, one should be able to perform a free form timeline search such as – “I would like to study growth in Total revenue of March 2-8 2015 over Feb 1-4 2015”

You may download the workbook from the link shared above.

You may watch similar videos showcasing the capabilities of Business Intelligence in MS Excel:

Here’s a video showing the capabilities of this Sales data model

You may also watch this short video to see how I visualized the revenue flow from Categories to Shipping cities during different Order periods using Custom visuals available in PowerBI desktop.

Please feel free to download the PowerBI desktop workbook of the video shown above from here .

For a detailed overview of Sankey diagrams (a Custom visual available in PowerBI desktop), you may refer to my Blog article here .

Another great Custom visual (Sand Dance) which allows data discovery has been shown at this link. At that link, you will also be able to see how I queried the underlying dataset using “Natural Language”.

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Teen Car Accidents. Teenage Car Crashes.
Car Crashes are the leading cause of death for teens in the United States and accidents while driving cause 36% of all deaths in this age group according to the Centers for Disease Control. Drive Safer!

Teenage Driver Facts:
Deaths. Each Year over 5,000 teens ages 16 to 20 Die due to Fatal injuries caused Car accidents. About 400,000 drivers age 16 to 20 will be seriously injured.

Risks. The risk of being involved in a car accident the highest for drivers aged 16- to 19-year-olds than it is for any other age group. For each mile driven, teen drivers ages 16 to 19 are about four times more likely than other drivers to crash.

Stats. Teenagers are about 10 percent of the US Population but account for 12 percent all Fatal Car Crashes.

Costs. Drivers (both male and female) under age 24 account for 30% – $26 billion Dollars of the total costs of Car accidents in the US.

Male Versus Female. The car accident death rate for teen male drivers and passengers is more than one and a half times female teen driver (19.4 killed per 100,000 male drivers compared with 11.1 killed per 100,000 female drivers.

New Drivers. The risk of a Crash risk is much higher during the first year teenagers are able to drive.

Two Teenagers Killed

Warrensburg, Illinois

Teen Speeding Road Rage Crash

Atlanta, Georgia

Teen Drinking Crash

Minneapolis, MN

Why are Teenager Drivers at More Risk? According to Studies: Teenager drivers tend to underestimate hazardous driving situations and are less able than older drivers to recognize dangerous situations.

Teenager Drivers are more to speed and tailgate.

Having Male teen passengers in the car has been shown to increase the likelihood of high risk driving behaviors among teenage male drivers.

Of Male drivers killed between 15 and 20 years of age 38% were speeding and 24% had been drinking and driving .

Teens have the lowest rate of seat belt use. According to surveys about 10% of high school students report they do not wear seat belts.

Trailers Suck

Teen Encounters one

More Teen Accident Facts: About 23% of drivers ages 15 to 20 who died in car crashes had a Blood Alcohol Counts of 0.08 or higher.

About 30% of teens reported that within the previous 30 days, they had been a passenger in a car with a driver who had been drinking alcohol. One in 10 teens said that they personally had driven after drinking alcohol.

Teen drivers killed in auto crashes after drinking and driving. 74% did not wear a seat belt.

More than half of teen deaths from car crashes occurred between 3 p.m. and midnight and 54% occurred on weekends: Friday, Saturday, or Sunday.

16 Year Old Shattered Knee Cap


Junior Operator License

Utica, NY

Jaws of Life Save Teen

Pacific Heights, California

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Thousands of Crashes from 64 + Countries

Car Crash Videos? Send them to us.

Car-Accidents.com is being built by our millions of viewers who have sent in their experiences and shared their pictures and stories. The stories told on Car-Accidents.com range from those of tragic loss, narrow escapes, cautionary tales and routine rear enders. You are invited to share your story with the millions of visitors we receive from around the the world.

General Guidelines for Sending Your Pictures, Video and Story:

1. Please use either a jpg, bmp or gif format.

2. Tell us your story, there is no limit to what you can send us but please try include a description, date of the accident, (make model of the vehicle if known) and the accident location ( City, State, or the Country if outside US ). This makes for a more interesting page! You agree to our terms and conditions .
3. Send your photo and story to Thank you!

4. If your video is very large, please send us a link.

Car Crash Photo Gallery: Hundreds of Car Accident Photos

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Who Has the Best Car Insurance Rates in Florida? Online Auto Insurance #selma #auto #mall

#best auto insurance rates

Online Auto Insurance

Who Has the Best Car Insurance Rates in Florida?

The state of Florida enforces a No-Fault Law which requires motorists to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) in order to maintain a vehicles license plates and registration. Residents of the Sunshine State pay some of the highest premiums in the country for auto insurance and it is with no wonder why Floridians are looking to find the best rate available.

Compare Florida auto insurance quotes:

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Steps to Finding the Best Car Insurance Rate in FL

Since every motorist s needs are different there are a few important steps that should be taken to not only find the most affordable rates, but also the right level of protection from a quality insurer. Certain motorists have more assets to protect and may wish to protect them with more extensive policies while others may not; determining how much coverage is a major step that should be taken when setting out to find the best rate.

Determining the amount of coverage needed is dependent on each individual and should be chosen carefully. Choosing protection comes down to an individual understanding what perils need to be covered and what may not. Aside from the legal Florida auto insurance requirements, some motorists who are financing an automobile will need to cover it for physical damage it may sustain as part of their loan agreement while others who own their vehicle may wish not to purchase such protection; therefore, one should take a moment to read up on the various types of coverage or speak to an agent for assistance in deciding.

Comparison shopping is probably the most vital key to finding the lowest rates for coverage, but choosing the proper policy is an important step for good reason; when individuals begin to shop and conduct car insurance comparisons it is very important that they are comparing companies based on the same level of protection to ensure that they are not being misquoted and are completing an effective comparison since companies base their prices on the amount of coverage that they are providing and some may not be willing to offer certain options that another will.

Once an individual has determined what they are in need of they should begin obtaining quotes from as many companies as possible to locate the best rate for them particularly. Comparisons are important because each company will charge an applicant differently than they will another and the more that a person gives themselves to choose from the better the chance of finding what they are looking for.

Consumers have a few options when it comes to obtaining auto insurance quotes from carriers. The more traditional methods of visiting the offices of agents or calling various companies is still a commonly used method of comparison shopping, but may be a bit time consuming to obtain a sufficient amount of rates to compare from. A popular method is to use the Internet; motorists can either visit the websites of insurers or use a comparison website and compare quotations of various competitors on one site which can help save some time. Regardless of the method chosen, consumers should make sure that they shop diligently based on the necessary coverage in order to get the best rates and proper protection.

How To Reset Air Suspension On Range Rover #who #is #range #rover #made #by


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How To Reset Air Suspension On Range Rover

Knowing how to reset the air suspension on your Range Rover can help save money as well as improve the comfort of your car. The EAS ECU that your Range Rover has is actually an electronic control module that is also abbreviated as an ESM. It is the computer on the Range Rover that stores and generates different fault codes. These fault codes, including the air suspension codes, are displayed on the screen as and when maintenance is required after regular use. These codes are also generated the moment an actual issue comes up and requires your immediate attention. Once the diagnostic scanning is done and the problem is resolved, you will have to find out how you can reset the EAS ECU system.

Things you will need to reset the air suspension on a Range Rover:

  • Socket set
  • Socket wrench
  1. Open the Range Rover hood to get to the area needed to reset the air suspension. Locate the retaining nut that s sitting on the clamp connected to the negative terminal of the battery. Loosen this nut.
  2. Remove the clamp from the Range Rover s battery terminal.
  3. Wait for a minute to allow the ECU to reset. Soon, the fault codes will be cleared from the EAS ECU system. This will reset the old signal that causes the air suspension on the Range Rover.
  4. Put the cable clamp back in to the negative terminal of the battery of the Range Rover .
  5. Put the retaining nut back on the EAS ECU of the Range Rover in order to secure the cable clamp with the battery terminal and have the air suspension reset.

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Bad credit loans guaranteed approval: Who are they for? #police #auto #auction

#bad credit auto loans guaranteed approval

Bad credit loans guaranteed approval: Who are they for?

Jason asked us the following question:

“I’ve been out of job for six months last year at which time I defaulted on some of my credit. Now that I have a stable job, I want to fast track paying all my debts while I can. I’m thinking of getting a bad credit loan to plough it back to paying off my older debts. Is this recommended? I’m aware of the higher interest rates that I’d be paying, but for me, the faster I get rid of my debts the better.”

A simple math will help you check if bad credit loans guaranteed approval are for you. If your salary, plus any other income that you may have, can cover your original debts plus the new interest rates from bad credit loans guaranteed approval, then your idea will work. However, even if it can, using all your money to pay your loans is a bad idea.

Lifehacker offers a caveat if debt consolidation will work for you. it s a financial instrument, which means the lender will earn from the consolidation or else it won t offer the product. Even if it s tempting to write off your past debts in exchange of a single loan, paying off this new loan over a longer period may cost you more than paying off for each of the old loan. Debt consolidation is usually long-term because that s where the lender gets to create a return, through low but recurring interest.

Still, paying off old loans with a new loan makes sense if you re paying a high interest plus penalty fees in your old loans and you can t negotiate a deal. In this case, getting rid of the old loans means avoiding further penalties that rack up your monthly payment.

However, keep in mind that you still need to live for today and the future. That means you should still be saving or investing a portion of your income on top of paying back your loans. But the picture is not that simple. Forbes.com talks about this age-old issue of paying debt vs. increasing savings in various scenarios when the former is preferred over the latter or vice-versa. Still, the bottom line is not to use all your money just to pay off loans.

So go back to the drawing board and list your living costs, target savings in the next few months and outstanding balances in one worksheet. Then create another worksheet this time with bad credit loans guaranteed approval added to the picture. You can clearly see if bad credit loans will meet your goal (speed up loan payments) or will it just add more costs to your monthly budget. In case you need one, here’s a good resource on how to create a simple household budget .

When bad credit loans guaranteed approval are recommended

The proliferation of bad credit loans guaranteed approval may tempt you to get one, just like many borrowers have experienced in the UK and Canada. However, it is not for everyone and, often, it can spell disaster rather than solution to the borrower. We can think of three situations when bad credit loans guaranteed approval are ideal:

  1. For people like Jason, who will use bad credit loans guaranteed approval to shrink down their debt, not increase it.
  2. For people with steady income but who are short on cash flow, bad credit loans guaranteed approval can bridge the gap between paydays or income streams.
  3. For people who are not liquid during an emergency but they have money tucked away somewhere, bad credit loans guaranteed approval can provide a cash opportunity while they secure their real money.

Dangers of bad credit loans guaranteed approval

Don’t make the mistake of using bad credit loans guaranteed approval for non-essential items. Not even for essential items if you can delay the need. These loans are easy to get, but they command stiffer interest rates and penalties to make up for the risk. It is easy to fall into a debt trap with bad credit guaranteed approval when you are paying for older debts and a new set of debts is made.

Your loan bills can jack up exponentially, and you’re likely to end up paying for the interest alone of these guaranteed online loans but not the principal; hence, it’s a trap that pins you down in debt forever.

Be honest, too, that you’re getting bad credit loans guaranteed approval because, to begin with, you are short on cash. Make sure to use this loan only when it puts your finances in a better light. For example, the loan can help you buy more supplies for a new client, in turn, giving you more profits. Another case can be the loan helps you to perform work while waiting for the next salary, when you can pay off the borrowed money. Getting this cash may be easy as stated in the latest Alabama news about guaranteed loans  pointing out the use of search technologies that allow for faster loan searches. However, paying it off may not as easy as with your older debts.

Here’s a good way to avoid wasting bad credit loans guaranteed approval: do a bank-to-bank transfer when paying the bills instead of withdrawing the cash; you’re likely not to spend the cash for some extra items like that chocolate bar. Yes, it’s a seemingly trivial matter, but debts are often a result of small expenses that stack up until they become unmanageable. One small purchase can lead to more small purchases until your principal payment is used up so you roll over the debt.

Tips to pay off debt

A 2014 analysis reveals that the average household in the U.S. owes more than $15,000 in credit card debt. If you are swimming in debt, do not be hassled. Try to implement these strategies to pay off what you owe. and start saving for the rainy day.


Bad credit loans guaranteed approval are meant to make life easier, not harder, for you. The rule of thumb is simple: will it increase your ability to pay up or diminish your finances altogether? Answer that question ten times before you get bad credit loans. And if you’re planning to use bad credit loans guaranteed approval to pay back loans, remember it’s only one of the many ways to do this. as a FinancesOnline.com article pointed out.