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.

An introduction to FCAT benchmarking #basically, #able, #article, #card, #computer, #couple, #dynamics, #framerate, #frames, #game, #graphics, #have, #introduce, #look, #looking, #measuring, #months, #muhc, #normal, #number, #past, #performance, #second, #seen, #simply, #some, #there, #this, #towards #fcat, #very, #will, #your


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An introduction to FCAT benchmarking – Article

Benchmarking Graphics Processors – The New Style

The past couple of months, we have seen some interesting dynamics in measuring the framerate of your games versus graphics cards. Basically the framerate of your game is, simply put, the number of frames per second your computer and graphics card are able to render. It is the most common way of looking at graphics card and game performance really.

There’s a problem that started floating at the surface for a while now, FPS does not say much as to what you see and experience on screen thus on your monitor, in certain conditions you can get a little stuttering every now and then. E.g. FPS will not say a thing about graphics anomalies. Up-to a while ago nobody really cared that, and some of you perhaps think that is the best way to approach this. Do you really care of you see a small stutter every now and then for a fraction of a second maybe split-second? The answer to that is two fold. Some of you, the more enthusiast end users, do while other’s don’t. And as such lately we have seen websites posting frame-capture and frame time results.

Being trendy – websites jumped onto it and are using FRAPS, but the thing is. if you want to expose game stutters you probably should not use FRAPS. Here’s why:

FRAPS measures directly at the game engine, and that’s different from what you see on screen on your monitor. For FPS that is not really relevant, but if you want to measure frametime then at the end of the graph shown above T_Display is where you need to be. See, a lot of other stuff is happening after FRAPS measures. Now realistically for single graphics cards, measuring frametime (or as what like to call, frame experience) FRAPS is sufficient. However in multi-GPU setups FRAPs just does not detect all information and as such a lot simply does not show up, in the created charts that many websites including ourselves have been demonstrating.

It will get even weirder as it also works vice versa, sometimes FRAPS records stuff that isn’t visibly there on your monitor. To do frametime recordings right (the proper way) we need to take a more academic approach. not measure at Game engine level, but at the monitor output as that is the hotspot as to what you see on your screen. How can we accomplish that? Well, with a framegrabber and a complex software suite which we’ll be showing and introducing today. It is called FCAT, short for Frame Capture Analysis Tool. It is a set of tools that derives from the NVIDIA performance laboratory. Now please don’t throw objectivity and subjectivity concerns at us as yes, this methodology is coming from NVIDIA. Let me state upfront that pretty much all software and scripts can be read out as source code and the simple truth is that the FCAT benchmark method can’t see the difference in-between AMD and NVIDIA graphics cards as we look at rendered frames, we are not measuring inside the graphics card(s).

Before you read onwards, this article is more a bit more scientific, complex and academic opposed to what you are used to. This is not everybody’s cup of tea alright. But I wanted to show what we are doing and how we are doing it as transparant as can be. Now then, our FCAT solution requires multiple thousands EUR worth of hardware and is not something you can easily recreate at home. I also left a lot out in terms of complex issues and will take a very simple to understand approach, which hopefully, the majority of you guys and girls can understand. This article is a first in sense that it is an introduction to added benchmarks you are going to see integrated in Guru3D GPU reviews.

Let’s first discuss a little about FPS vs Frametime, the methods and challenges ahead.

Meet the FCAPS setup – two new dedicated PCs and two monitors merely for a handful of plotted graphs.

An Introduction to Carrizo – AMD 6th Gen APU
AMD today launches their Carrizo based Mobile APUs, the new APU architecture makes use of Excavator CPU cores and up-to eight GCN 1.3 based graphics cores.

An Introduction to HBM – High Bandwidth Memory
AMD briefed selected press on HBM – High Bandwidth Memory. This new type of graphics memory is going to change the para dime in the graphics industry when we are talking about using less power, small.

An introduction to FCAT benchmarking
In this article we will introduce you towards FCAT benchmarking. The past couple of months we have seen a some new dynamics in measuring the framerate of your games. Basically the framerate of your.

Ct bail bonds #north #carolina #lotto #winner, #lamar #mcdow, #marie #holmes, #lamar #mcdow #says #lottery #winner #marie #holmes #will #stand #by #her #man, #north #carolina #powerball, #lotto #winners #boyfriend, #


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North Carolina lottery winner’s boyfriend speaks out after his bail for multiple arrests risks $21M of her jackpot

NEW YORK DAILY NEWS

Thursday, January 7, 2016, 2:35 PM

A lottery winner decided to “stand by her man” despite bailing him out of jail four times for a total of $21 million since her massive jackpot, a report revealed Thursday.

Lamar McDow, 31, the live-in beau of North Carolina Powerball winner Marie Holmes, was arrested Dec. 29 for violating terms of his pretrial release on drug trafficking charges and charged two days earlier with misdemeanor conspiracy in a street race, said Brunswick County Sheriff’s Office spokeswoman Emily Flax. Holmes took in $88 million after taxes in her February 2015 jackpot.

NO WINNERS! POWERBALL JACKPOT $700M, LARGEST PRIZE IN U.S.

Police said Lamar McDow, 31, was last arrested Dec. 29 for violating the terms of his pretrial release on drug traficking charges.

“People can say what they like and it don’t hurt us,” McDow told the Daily Mail Online. “She is standing by her man.”

The multiple arrests of McDow. whose nickname is “Hot Sauce,” has drawn national interest in the coastal area near the state’s southeastern border with South Carolina. He noted in an interview with the Mail that Holmes’ winnings have helped him open an auto repair shop in Shallotte and get a $15,000 gold and diamond Rolex.

Marie Holmes collected $88 million after taxes in her February 2015 jackpot.

“We are a couple, and I am the father of her youngest child. This is what people do for each other,” McDow said. “She has the money and she can do what she wants with it. If I had that money then I would do the same for her. People are just jealous because of how much she won and people want to see me locked in jail.”

McDow and Holmes, a single mother of four, will be on the hook for the $21 million in bail bonds he’s racked up if McDow fails to appear in court. Police said McDow’s latest arrest followed a GPS tracking device that showed him outside of his approved locations.

McDow has amassed $21 million in bail bonds since Holmes hit the jackpot.

(Brunswick County Jail)

The couple was living in a trailer at the time Holmes won the $188 million Powerball prize, McDow said. And now they’ve left the pastel-colored suburban home where local news cameras showed sheriff’s deputies cuffing him and leading him away last month.

“We were the only black family on the estate and they did not like it,” McDow said. “One neighbor set up a camera to record everything we were doing. If I was driving down the road and going at the speed limit they would wave at me for going too fast. They did not want us there. They were prejudiced.”

O Reilly Auto Parts warehouse plan will bring 80 full-time jobs to Devens #discount #auto #parts


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O’Reilly Auto Parts warehouse plan will bring 80 full-time jobs to Devens

O’Reilly Auto Parts plans a major distribution warehouse for Devens O’Reilly Auto Parts

Missouri-based O Reilly Auto Parts will begin work on a $32.9 million project to construct a 370,000-square-foot warehouse in Devens.

The project, on behalf of O Reilly subsidiary Ozark Automotive Distributors, was approved today by the Economic Assistance Coordinating Council for participation in a state tax credit program known as the Economic Development Incentive Program.

The distribution center will accommodate O Reilly s growing customer demand in New England. It will create 80 new full-time jobs in Massachusetts.

The project will receive $400,000 in state investment tax credits, determined by the EACC, and Devens overseer MassDevelopment will provide support with a reduced tax assessment for the first five years.

O Reilly Auto Parts currently has more than 4,000 stores and 24 distribution centers throughout the country. 

United Automobile Insurance – Will not Honor Claim, Review 91735 #new #car #deals


#united auto insurance
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Will not Honor Claim

United Automobile Insurance Company

July 19, 2008, I was pumping gas at Valero Gas Station located on the corner of John West and La Prada Road when a van struck the front end of my 2008 Hyundai Tucson. Due to the damage only being scratches I opted to not make a police report because the damage was minimal and I only asked for a copy of his insurance card. Two weeks later I went to Bankston Dealership located on NWHGWY and Abrams for my estimate which came to a total of $368.51.

Debra at United Automobile is supposedly handling my claim number. Overall the entire staff that I have spoken with about this claim seems uninterested in resolving this and has not made any attempts to get the ball rolling with processing my claim. I even mentioned that I would contact my insurance State Farm to let them know what was happening and Debra commented that it wouldn t do me any good because the estimate is under $500 and my policy probably has a $500 deductible. After listening to her make this statement I became gravely concerned that this Insurance Company is not diligent with taking care of claims in a proper manner.

I am forwarding this information to the public in hopes of exposing this company for how it handles claims. From what I have been through with them they come across as very mismanaged and unprofessional. Even though my damages are $368.51, it is the principal of the matter to honor the claim filed and pay for the damages. If anyone can get this company feathers ruffled I know it s the free press! Your help is much appreciated!

Iowa Personal Injury Attorney Des Moines Car Boat Semi Accident Head Neck Back Spine Brain Trauma Product Liability Lawyer Council Bluffs Ames Cedar Rapids #des #moines #car #accident #lawyer, #estate #planning #wills #trusts #will #trust #probate #buisness #family #real #estate #law #financing #permits #plan #licenses #employees #insurance #incorporation #assess #protection #elder #law #divorce #adoption #child #custody #alimony #visitation #support #brokers #contracts #transfers #deeds #home #impection #mortgages #foreclosure #revocable #irrevocable #testamentary #special #needs #trustee #trustor


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DISCLAIMER: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Des Moines, Iowa Attorney practicing in Iowa primarily in Estate Planning. Trust, Wills Probate. Business Law. Family Law. Personal Injury. Real Estate. Attorneys at Howes Anderson, P.C. Law Office are dedicated to serving their clients in Iowa, including the cities of West Des Moines and throughout the state of Iowa, including the communities of Polk County, Dallas County, Warren County, Clive, Waukee, Urbandale, Johnston, Windsor Heights, Ankeny, Norwalk, Grimes, Granger, Pleasant Hill, Altoona, Indianola, Carlisle, Adel, Des Moines and surrounding communities.

Estate Planning Council of Birmingham, Inc #estate #planning #birmingham, #estate #planners #birmingham, #estate #planning #attorney #birmingham, #al, #accredited #estate #planner, #certified #estate #planner, #personal #financial #planning, #charitable #planning, #corporate #tax #planning, #wealth #transfer #planning, #financial #planning, #retirement #planning, #executive #compensation, #deferred #compensation, #probate #administration, #trust #and #estate #administration, #business #succession, #estate #and #gift #taxation, #estate #income #tax, #securities #law, #investment #management, #will #contests, #fiduciary #income #taxation, #sale #and #tax #issues, #executive #benefits, #elder #law, #insurance, #equities, #mergers, #acquisitions, #litigation #support, #tax #defense, #attorney


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Welcome to the website of The Estate Planning Council of Birmingham!

The Estate Planning Council of Birmingham is a multi-disciplinary professional association organized to provide educational programs and networking opportunities for estate planning professionals in the community. Established in 1960, the Council s membership is currently comprised of more than 200 attorneys, accountants, bank trust officers, life insurance professionals, and financial planners. Others who work in the field of estate planning participate as associate members.

If you are seeking guidance regarding your estate planning, please use our membership list to assemble a team of professionals who are dedicated to their estate planning practice.

Meetings: 1st Thursday of each month

September through May

The Harbert Center

2019 4th Avenue North

Guests are welcome!

Continuing Education Credit: Up to 12 hours a year if all meetings are attended.

Membership application on left side of this page (Document Library).

Initiation Fee: $100.00

Annual Dues: $275.00

UPCOMING EVENTS

September 7, 2017

TOPIC: The Generous Business: How Families Use their Business as an Engine of Generosity

Michael King – National Christian Foundation

TOPIC: Advising Clients through the Toughest Times of Life

Amy Florian – Corgenius

Falling U. S. used-car prices will drive up new-car incentives #bumper #to #bumper #auto #parts


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Falling U.S. used-car prices will drive up new-car incentives

Cars wait at a stoplight a morning commuter crosses the street in Times Square in Manhattan in New York January 22, 2014.

Reuters/Brendan McDermid

DETROIT The U.S. auto industry will have to offer more discounts to maintain demand as prices for used cars decline.

With auto sales recovering from their recession-era slump, the industry’s supply of used cars has started to rise again, driving down prices.

This in turn will pressure new-car prices and raise the stakes for automakers, which have enjoyed the new-car sales renaissance of the last 4-1/2 years.

To achieve annual sales above pre-recession levels of about 17 million new vehicles, “the automakers are going to have to increase incentives more,” said Larry Dominique, executive vice president of research firm TrueCar Inc.

TrueCar estimates used-car prices will drop 5.2 percent by 2017, while new-car incentives, now at about $2,700 per vehicle, will rise about 11 percent over the next two years to nearly $3,000. The National Automobile Dealers Association forecasts a nearly 7 percent decline in the average used-car price to just under $15,000 in 2016 from $16,025 in 2014.

Meanwhile, new-car prices are rising because of the popularity of pricey features and more-expensive vehicles. They hit an average of $31,262 per vehicle last year and are expected to increase another 2 percent both this year and next, TrueCar said.

U.S. new-car sales averaged 16.7 million vehicles annually in the decade that ended in 2007, but they skidded to 10.4 million in 2009. Demand rose at a double-digit pace in the three subsequent years, increased another 8 percent to 15.6 million last year, and is expected to top 16 million this year.

Many of those cars, especially the ones coming off three-year lease deals, will be resold as used.

Dominique said the average age of cars on the road, now topping 11 years, would creep down as newer-model used vehicles enter the market.

Not everyone agrees.

Pete DeLongchamps, vice president of U.S. dealer Group 1 Automotive Inc, said that while used-car prices would continue to drop, pent-up demand for new cars remained strong because so many people delayed buying during the recession.

“There will be some shift in pricing, but I don’t think it’s enough to affect the market,” he said.

Group 1, which derives most of its earnings from parts, service and financing, sold almost as many used cars as new ones in its latest quarter. Still, used models accounted for only about 13 percent of gross profit, compared with almost 20 percent from new.

Industry officials said still-high used-car prices had room to slip without significantly hurting new-car demand.

“This is a long-term, regular cycle,” NADA analyst David Wagner said, “and not a bubble.”

But while the auto industry, including U.S. automakers General Motors Co and Ford Motor Co, largely refrained from dramatically increasing profit-sapping incentives after the recession, experts have questioned whether that will hold given pressures the companies will face to increase sales and maintain share as demand growth slows.

“As the wholesale prices decline with respect to new vehicles, clearly it’s a negative,” said Tom Webb, chief economist for wholesale car auction company Manheim. “You can get in somewhat of a downward spiral.”

(Reporting by Ben Klayman in Detroit; Editing by Lisa Von Ahn)

Medicaid and Nursing Homes – Sean W #medicaid, #nursing #homes, #assisted #living, #asset #protection, #veteran #benefits, #alzhiemer’s, #parkinson’s, #dementia, #pinellas, #pasco, #lee, #citrus, #hernando, #elder #law, #elderlaw, #dcf, #veteran #benefits, #aid #and #attendance, #spend #down, #personal #care #contract, #florida #medicaid, #medicare, #100 #days, #diversion #program, #florida #long-term #care, #medicaid #waiver, #income #cap, #income #trust, #miller #trust, #durable #power #of #attorney, #alzheimer’s, #caregiver, #va #benefits, #va #contract, #estate #planning, #wills, #trusts, #durable #power #of #attorney, #dpoa, #health #care #surrogate, #living #will, #map, #nursing #home #locations, #nursing #home #ratings


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Getting old is not easy .

Help is on the way. A new set of challenges awaits as we grow older: Incapacity, the specter of mortality and nursing home care. Our primary focus since 1990 has been to help our clients avoid the financial ruin of long-term care expenses. The average cost of nursing home care in Florida is above $10,000 per month. If the nursing home is part of your reality, you must take action or be wiped out financially.

Quick Click and Go Links

We hope that the resources and information available on our site will help. Should you need more information or solutions including help with asset preservation and Medicaid qualification, please call our offices at 727-539-0181 and schedule a FREE consultation. We serve the ENTIRE state of Florida and teleconference or video conference with clients that cannot meet with us face-to-face.

Sean W. Scott, Esq.

Our Facebook Page

• Looking for a nursing home? Our new Florida Nursing Home Map makes it easy to find a nursing home. Now with star ratings and other data.

• New mobile site. Check it out on your iPhone and Android at FLMedicaid.com.

• NEW virtual law office at the University of South Florida Alzheimer’s Byrd Center. In addition to our offices in Pinellas county. Punta Gorda. and Inverness. The new virtual office allows us to meet directly with clients by video conference without having the client having to leave the center.

• New Facebook integration on our home page. Yay!

• Check out our aging and dementia store for a collection of books and products we find helpful for our clients including The 36-Hour Day.

​ TOTAL CLIENT SERVICE is our mission. The complexity of the issues facing aging clients and the need for integration of multiple disciplines defines and sets us apart from others who purport to do Medicaid filing or planning. These non-professionals often lack the training and experience to adequately meet the needs of the client and are often merely a way to sell financial investments to the client. Not only are the motivations questionable, but they cannot provide the legal services required such as powers of attorney, income trusts, and the complex estate planning that is necessary in every case. We serve the entire state of Florida with physical offices in Pinellas, Citrus, Lake and Charlotte Counties. Please contact us for a free, no charge, initial personal consultation, phone consult or video consult. More.

MEDICAID IN FLORIDA

An integral part of obtaining Medicaid benefits is meeting and understanding the Medicaid eligibility requirements. Income, assets, and transfers are the big three eligibility tests that the state uses to determine if you qualify for benefits. More.

Unfortunately there is a break down in our Medicare system when in comes to coverage for nursing home care. Medicaid helps fix the inadequacies of Medicare. Risk factors like Alzheimer’s and Parkinson’s make it critical to plan now, before placement if at all possible. More.

If you are looking for some quick answers to your Medicaid questions check out our Top Ten Medicaid Mistakes and The 2017 Medicaid Fact Sheet. While the issues of Medicaid are much more complex these resource are a great place to start. More…

OUR SERVICES

For over 25 years we have helped our clients preserve their assets when facing a stay in a nursing home or assisted living facility. By accessing Medicaid and or veteran’s benefits to pay for care, an entire life-time of savings are protected. More.

Everyone must have a plan in place in the event of death or incapacity. Powers of attorney, wills and trusts put a co-pilot in place and are a fundamental part of future planning. More.

Few of us have ever had to choose a nursing home or assisted living facility. To help, we have dedicated staff ready to consult concerning placement options and care plans. We also have created an on-line resource, the Florida Nursing Home Map to provide easy access to location and information on Florida nursing homes. More.

We have some great videos on Medicaid, powers of attorney, estate planning and other issues on our video page. Sometimes it is just easier to watch something than to do all this reading. Check them out. More.

If you can’t make it out to one of our live Medicaid seminars, we have a Medicaid audio recording to listen to. Note that it was not recorded this year so you will want to check out the most current Medicaid eligibility information. More.

Our passion is to educate our clients and the public. Come see a live Medicaid seminar at a location near you. Or attend our upcoming Webinars where you can participate right from your computer. Learn how to navigate the maze of Medicaid to pay the cost of care in a nursing home or assisted living facility. See our live seminar calendar. More .

For a limited time Sean’s Medicaid Handbook is available as a free download. Click to download a pdf version to read on your computer, iPad, Kindle or Nook. More . .

Houston air duct cleaning, Humble air duct, Kingwood, Atascocita, chimney sweep #houston #air #duct #cleaning, #humble, #texas, #kingwood #airduct, #air #duct #cleaning, #chimney #sweep, #sweap, #clean #chimney, #houston, #humble, #kingwood, #atascocita, #huffman, #conroe, #cleveland, #texas #air #duct #service, #clean #air, #chimney #cleaning #service. #we #use #a #hypo-allergenic #sanitizer #to #clear #your #air #ducts, #epa #registered #sanitizer #for #cleaning #duct #work. #this #will #help #you #maintain #a #clean #air #duct, #cleaning #the #ducts #improves #air #quality, #clean #air #duct #companies, #we #work #in #the #houston #area.


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Welcome to American Air Duct Cleaning and Chimney Sweep Service.

We appreciate your interest in our services and would like to give you an idea of the procedures we use, as well as the benefits that air duct cleaning will provide for you and your family

We use only state-of-the-Art equipment such as the Viper Clean Sweep System to ensure the best results for our customers.

Services we provide:

  • AC Heating Service: All Brands
  • AC Heating Install: Amana Goodman
  • Chimney Sweep
  • Chimney Inspection
  • Crown Replacement
  • Crown Resurface
  • Firebox Repairs
  • Dryer Vent Cleaning
  • Air Duct Cleaning
  • Evaporator Coil Cleaning.

Products we provide:

  • Chimney Cap
  • Top Sealing Damper
  • Fireplace Screen
  • Log Lighter
  • Electrostatic Filters (may be ordered via website email request)
    • Polytron Clean Air-$129.95(strike thru price), $99.95
    • Polytron Value Air-$99.95 (strike thru price), $79.95

The FIRST STEP is the removal of all your vent covers or registers. These are cleaned and later sanitized.

SECONDLY. each duct is cleaned from the vent opening all the way to the air handling unit using a source removal cleaning method. We use a high pressure air hose and compressor in conjunction with a commercial air duct cleaning vacuum with a HEPA filter. The system is put under a �negative pressure� using the vacuum and then the air hose is worked through the system to agitate the dirt which is then pulled out of the system by the constant vacuum. The returns are cleaned in the same manner. The THIRD STEP is the cleaning of the air handling unit (s). This includes cleaning of the blower, fan, motor and filter (s) areas.

The LAST STEP is the application of an EPA registered sanitizer. The entire system is sanitized using an atomizing fogger. We use a hypo-allergenic sanitizer called Enviro-Con which eliminates microscopic organisms that can cause respiratory problems and odors.

To help maintain a cleaner, healthier environment, we recommend using a high quality filter such as an ASHRAE tested electrostatic filter and run the fan on your unit as much as possible in order to constantly filter the air in the home. Most disposable filters only filter out 5%-7% of dust and pollen whereas an electrostatic filter removes 77%.

Cleaning of the ducts improves the air quality in your home due to the removal of pollen, mold spores, mildew, bacteria and dust from the system. You may also notice that you are dusting less often and that your system operates more efficiently.

We are a family business and guarantee all of our work. If you have any questions or would like to arrange an appointment then please contact us at 281-352-1794.

Why Used-Car Prices Will Stay High #auto #lenders


#used car prices
#

Why Used-Car Prices Will Stay High

By Kelsey Mays

May 23, 2012

Mike Hogan didn’t expect much for his trade-in, a 13-year-old stick-shift Subaru Forester SUV with 129,000 miles on the odometer. He’d have been happy with $1,500.

The dealer offered $2,750.

“I suppose I undervalue my used cars because I drive them for so long,” said Hogan, a 49-year-old who is the director of a domestic violence program in suburban Milwaukee. He handed over the Forester, his wife’s car, last January and bought her a brand-new Kia Soul, a car that starts at $13,900 and is one of the cheapest on the market. It was the first new car Hogan bought in more than a dozen years.

“We are both long-time used-car buyers,” Hogan wrote in an email. “We most often try to purchase low-mileage used cars that are only one or two model years old. … Given the inflated prices at the time, we did not consider seriously any used models.”

Believe it or not, the dealer will likely still make money. Cars.com’s national inventory shows dozens of 1999 Subaru Foresters with more than 100,000 miles, and the median listing price is just shy of $5,000.

Three years of depressed new-car sales have driven used prices to historic highs. Recent evidence suggests possible relief, but it will likely take years, not months, before used-car prices come back down.

Low Sales, Fewer Cars

Such is the result of new-car sales below 16 million, which is what we’ve seen every year since 2008, when the economy crumbled. From 2008 to 2011, recession-wracked car shoppers bought more than 19 million fewer vehicles than during the earlier 2000s. That, in turn, affected the number of used cars on the road today, available to used-car shoppers like Hogan.

New-car sales handily outpaced the number of cars being scrapped by at least 3 million from 2000 to 2007, according to CNW Marketing Research:

*Projected

Sources: Automotive News, CNW Marketing Research, Bloomberg News

The total number of vehicles on the road ballooned over that period. In 2000, the U.S. had some 205 million cars on the road, or 73 cars per 100 Americans, according Polk and census data. By 2007, that number had grown to 241 million cars, or 80 cars for every 100 Americans.

Then came the recession. From 2008 to 2011, Americans bought just 48 million new cars, while junkyards scrapped around 47 million used cars. Predictably, total cars on the road plateaued at around 240 million. The number of Americans driving them continued to grow, however. In 2007 there were 80 cars for every 100 Americans. By 2011, that number had ebbed to 77.

Fewer cars in circulation drove up used-car prices, particularly as drivers hung onto their vehicles longer and longer. A collapse in auto leasing in 2008 exacerbated the situation, leaving the pipeline dry for late-model used cars in 2011 through today — the types of cars Hogan and many others typically zero in on when car shopping.

The result? The average used car went from $9,022 at wholesale in December 2008 to $9,878 three years later, according to Automotive News and ADESA data.

The numbers hit home when you consider Cars.com data for some of the most popular car searches. Look at the Ford F-150, Ford Mustang, Honda Civic, Jeep Grand Cherokee and Toyota Camry. Across the five models, listed prices for used cars 5 years old or newer have increased 29% since April 2009, easily outpacing the relative increase in MSRPs across the same span.

Source: Cars.com data. Each average included used-car listings on 5-year-old and newer cars each April. (For example, April 2009 had 2004-2008 models.)

A Slow Road Back

What needs to happen for the high prices to reverse? Exactly what is happening in 2012 — just more of it over more time. New-car sales are up 10% through the first four months of the year, and analysts surveyed this month by Bloomberg News expect shoppers this year to buy 14.3 million new cars, a 12% gain by year’s end. CNW projects around 12 million cars to be scrapped this year, which signals that the total number of cars on the road will climb once again.

Used-car demand has been falling in the meantime, but could that be due to shoppers making the same choice Hogan did? In 2010, shoppers bought 3.2 used cars for every new car, according to CNW. In 2011, that ratio fell to 3.0. The ratio has seasonal variations, but shoppers through April bought 2.3 used cars for every new car — down from 2.4 cars in the first four months of 2011. Any way you slice it, the relative demand for used cars is falling.

That, combined with a slow but steady influx of used cars, means prices will fall. slowly. Average wholesale used-car prices fell 2% year over year in February, which is the most recent data available from Automotive News. Auto Remarketing, a used-car publication, noted that auto leasing has stabilized — around one in five cars — since early spring 2011.

The relief will be slow. The bulk of 2011’s leases won’t turn over until 2014 and beyond. February’s average wholesale price for a used car is just $31 less than last December’s.

The progress is slow, but it might work out in time for Hogan’s next car. While his wife drives the Soul, he hopes to get a few more years out of his 2005 Toyota Sienna minivan, which he bought in 2007.

“I am hoping to get another three or four years out of our Toyota Sienna,” Hogan wrote. “And I expect, by then, you will be able to get good value in low-mileage used cars again.”

Why Used-Car Prices Will Stay High #auto #deals


#used car prices
#

Why Used-Car Prices Will Stay High

By Kelsey Mays

May 23, 2012

Mike Hogan didn’t expect much for his trade-in, a 13-year-old stick-shift Subaru Forester SUV with 129,000 miles on the odometer. He’d have been happy with $1,500.

The dealer offered $2,750.

“I suppose I undervalue my used cars because I drive them for so long,” said Hogan, a 49-year-old who is the director of a domestic violence program in suburban Milwaukee. He handed over the Forester, his wife’s car, last January and bought her a brand-new Kia Soul, a car that starts at $13,900 and is one of the cheapest on the market. It was the first new car Hogan bought in more than a dozen years.

“We are both long-time used-car buyers,” Hogan wrote in an email. “We most often try to purchase low-mileage used cars that are only one or two model years old. … Given the inflated prices at the time, we did not consider seriously any used models.”

Believe it or not, the dealer will likely still make money. Cars.com’s national inventory shows dozens of 1999 Subaru Foresters with more than 100,000 miles, and the median listing price is just shy of $5,000.

Three years of depressed new-car sales have driven used prices to historic highs. Recent evidence suggests possible relief, but it will likely take years, not months, before used-car prices come back down.

Low Sales, Fewer Cars

Such is the result of new-car sales below 16 million, which is what we’ve seen every year since 2008, when the economy crumbled. From 2008 to 2011, recession-wracked car shoppers bought more than 19 million fewer vehicles than during the earlier 2000s. That, in turn, affected the number of used cars on the road today, available to used-car shoppers like Hogan.

New-car sales handily outpaced the number of cars being scrapped by at least 3 million from 2000 to 2007, according to CNW Marketing Research:

*Projected

Sources: Automotive News, CNW Marketing Research, Bloomberg News

The total number of vehicles on the road ballooned over that period. In 2000, the U.S. had some 205 million cars on the road, or 73 cars per 100 Americans, according Polk and census data. By 2007, that number had grown to 241 million cars, or 80 cars for every 100 Americans.

Then came the recession. From 2008 to 2011, Americans bought just 48 million new cars, while junkyards scrapped around 47 million used cars. Predictably, total cars on the road plateaued at around 240 million. The number of Americans driving them continued to grow, however. In 2007 there were 80 cars for every 100 Americans. By 2011, that number had ebbed to 77.

Fewer cars in circulation drove up used-car prices, particularly as drivers hung onto their vehicles longer and longer. A collapse in auto leasing in 2008 exacerbated the situation, leaving the pipeline dry for late-model used cars in 2011 through today — the types of cars Hogan and many others typically zero in on when car shopping.

The result? The average used car went from $9,022 at wholesale in December 2008 to $9,878 three years later, according to Automotive News and ADESA data.

The numbers hit home when you consider Cars.com data for some of the most popular car searches. Look at the Ford F-150, Ford Mustang, Honda Civic, Jeep Grand Cherokee and Toyota Camry. Across the five models, listed prices for used cars 5 years old or newer have increased 29% since April 2009, easily outpacing the relative increase in MSRPs across the same span.

Source: Cars.com data. Each average included used-car listings on 5-year-old and newer cars each April. (For example, April 2009 had 2004-2008 models.)

A Slow Road Back

What needs to happen for the high prices to reverse? Exactly what is happening in 2012 — just more of it over more time. New-car sales are up 10% through the first four months of the year, and analysts surveyed this month by Bloomberg News expect shoppers this year to buy 14.3 million new cars, a 12% gain by year’s end. CNW projects around 12 million cars to be scrapped this year, which signals that the total number of cars on the road will climb once again.

Used-car demand has been falling in the meantime, but could that be due to shoppers making the same choice Hogan did? In 2010, shoppers bought 3.2 used cars for every new car, according to CNW. In 2011, that ratio fell to 3.0. The ratio has seasonal variations, but shoppers through April bought 2.3 used cars for every new car — down from 2.4 cars in the first four months of 2011. Any way you slice it, the relative demand for used cars is falling.

That, combined with a slow but steady influx of used cars, means prices will fall. slowly. Average wholesale used-car prices fell 2% year over year in February, which is the most recent data available from Automotive News. Auto Remarketing, a used-car publication, noted that auto leasing has stabilized — around one in five cars — since early spring 2011.

The relief will be slow. The bulk of 2011’s leases won’t turn over until 2014 and beyond. February’s average wholesale price for a used car is just $31 less than last December’s.

The progress is slow, but it might work out in time for Hogan’s next car. While his wife drives the Soul, he hopes to get a few more years out of his 2005 Toyota Sienna minivan, which he bought in 2007.

“I am hoping to get another three or four years out of our Toyota Sienna,” Hogan wrote. “And I expect, by then, you will be able to get good value in low-mileage used cars again.”

United Automobile Insurance – Will not Honor Claim, Review 91735 #find #a #car


#united auto insurance
#

Will not Honor Claim

United Automobile Insurance Company

July 19, 2008, I was pumping gas at Valero Gas Station located on the corner of John West and La Prada Road when a van struck the front end of my 2008 Hyundai Tucson. Due to the damage only being scratches I opted to not make a police report because the damage was minimal and I only asked for a copy of his insurance card. Two weeks later I went to Bankston Dealership located on NWHGWY and Abrams for my estimate which came to a total of $368.51.

Debra at United Automobile is supposedly handling my claim number. Overall the entire staff that I have spoken with about this claim seems uninterested in resolving this and has not made any attempts to get the ball rolling with processing my claim. I even mentioned that I would contact my insurance State Farm to let them know what was happening and Debra commented that it wouldn t do me any good because the estimate is under $500 and my policy probably has a $500 deductible. After listening to her make this statement I became gravely concerned that this Insurance Company is not diligent with taking care of claims in a proper manner.

I am forwarding this information to the public in hopes of exposing this company for how it handles claims. From what I have been through with them they come across as very mismanaged and unprofessional. Even though my damages are $368.51, it is the principal of the matter to honor the claim filed and pay for the damages. If anyone can get this company feathers ruffled I know it s the free press! Your help is much appreciated!

Falling U. S. used-car prices will drive up new-car incentives #looking #for #used #cars


#auto values used
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Falling U.S. used-car prices will drive up new-car incentives

Cars wait at a stoplight a morning commuter crosses the street in Times Square in Manhattan in New York January 22, 2014.

Reuters/Brendan McDermid

DETROIT The U.S. auto industry will have to offer more discounts to maintain demand as prices for used cars decline.

With auto sales recovering from their recession-era slump, the industry’s supply of used cars has started to rise again, driving down prices.

This in turn will pressure new-car prices and raise the stakes for automakers, which have enjoyed the new-car sales renaissance of the last 4-1/2 years.

To achieve annual sales above pre-recession levels of about 17 million new vehicles, “the automakers are going to have to increase incentives more,” said Larry Dominique, executive vice president of research firm TrueCar Inc.

TrueCar estimates used-car prices will drop 5.2 percent by 2017, while new-car incentives, now at about $2,700 per vehicle, will rise about 11 percent over the next two years to nearly $3,000. The National Automobile Dealers Association forecasts a nearly 7 percent decline in the average used-car price to just under $15,000 in 2016 from $16,025 in 2014.

Meanwhile, new-car prices are rising because of the popularity of pricey features and more-expensive vehicles. They hit an average of $31,262 per vehicle last year and are expected to increase another 2 percent both this year and next, TrueCar said.

U.S. new-car sales averaged 16.7 million vehicles annually in the decade that ended in 2007, but they skidded to 10.4 million in 2009. Demand rose at a double-digit pace in the three subsequent years, increased another 8 percent to 15.6 million last year, and is expected to top 16 million this year.

Many of those cars, especially the ones coming off three-year lease deals, will be resold as used.

Dominique said the average age of cars on the road, now topping 11 years, would creep down as newer-model used vehicles enter the market.

Not everyone agrees.

Pete DeLongchamps, vice president of U.S. dealer Group 1 Automotive Inc, said that while used-car prices would continue to drop, pent-up demand for new cars remained strong because so many people delayed buying during the recession.

“There will be some shift in pricing, but I don’t think it’s enough to affect the market,” he said.

Group 1, which derives most of its earnings from parts, service and financing, sold almost as many used cars as new ones in its latest quarter. Still, used models accounted for only about 13 percent of gross profit, compared with almost 20 percent from new.

Industry officials said still-high used-car prices had room to slip without significantly hurting new-car demand.

“This is a long-term, regular cycle,” NADA analyst David Wagner said, “and not a bubble.”

But while the auto industry, including U.S. automakers General Motors Co and Ford Motor Co, largely refrained from dramatically increasing profit-sapping incentives after the recession, experts have questioned whether that will hold given pressures the companies will face to increase sales and maintain share as demand growth slows.

“As the wholesale prices decline with respect to new vehicles, clearly it’s a negative,” said Tom Webb, chief economist for wholesale car auction company Manheim. “You can get in somewhat of a downward spiral.”

(Reporting by Ben Klayman in Detroit; Editing by Lisa Von Ahn)

SDCCU will host used car super sale #firestone #auto


#used car listings
#

7/10/2013 12:00 a.m.

San Diego County Credit Union, San Diego s largest locally-owned financial institution, will host a used car super sale in the parking lot at their administrative building located at 6545 Sequence Drive in Mira Mesa from 8 a.m. to 4 p.m. on Saturday, July 13th. The public is invited to attend.

Approximately 275 late-model, low-mileage cars, trucks and SUVs will be available for sale from the Penske

Automotive Group, Inc. which operates 13 dealerships in the Southern California area. Trade-ins are welcome, SDCCU encourages the public to bring their vehicle whether it s paid for or not. Up to 100% financing, 90 days no payments, generous terms and auto loan rates as low as 0.99% APR will be available, along with special pricing on all vehicles. Please bring current driver license, proof of insurance and current pay-stub with you to the sale. For more information, call (877) 732-2848 or visit www.sdccu.com.

San Diego County Credit Union is San Diego s largest locally-owned financial institution serving San Diego, Riverside and Orange counties. SDCCU has assets of over $6.2 billion, more than 247,000 customers, 31 convenient branch locations and 30,000 surcharge-FREE ATMs. From FREE Checking with eStatements and SDCCU Mobile Deposit, to home and auto loans, Visa credit cards, money market accounts and business banking services, including commercial real estate loans; SDCCU provides breakthrough banking products that meet the demands of today s lifestyle and delivers banking services that save customers money. Federally insured by NCUA and is an equal housing lender. For more information, visit www.sdccu.com.

Will Black Friday Deals Give a Boost to Car Sales? #houston #auto #auction


#used car deals
#

Will Black Friday Deals Give a Boost to Car Sales?

By John D. Stoll

The U.S. auto industry likely shrugged off calendar curveballs in November to post its third-consecutive annual sales rate above 18 million units, suggesting the car business is at the strongest level since at least 2001.

Low gasoline prices, attractive offers and a healthy economic backdrop continue to spark interest in new cars and trucks.

Auto makers in recent years began offering Black Friday deals, revving up demand in a month that traditionally had been a dud for car dealers. The avalanche of offers likely offset the fact November had only four selling weekends for the first time since 2012 and the fewest selling days of any month since 2013, at 23, according to J.D. Power.

The California research firm estimates sales increased 7% to 1.3 million light vehicles, with growth driven by attractive lending terms and incentives, which are keeping monthly transportation costs nearly in line with rates paid a decade ago even as sticker prices skyrocket.

The average monthly car payment is $490, up only $34 since 2005, according to Edmunds.com. Interest rates are down about two percentage points since then, and loans now average a term of 68 months; customers relying on dealer financing leasing has soared while cash buyers have fallen by about 50%.

Every auto maker except Mazda Motor Corp. and BMW AG lifted incentives in October versus the same period a year ago. Analysts say that trend likely stuck in November.

While analysts are beginning to wonder if the deals have become too sweet, auto makers can offset concerns by reporting another month of robust transaction prices (which are nearing a record $31,500 per vehicle minus the cost of incentives). The most important factor for pricing is the mix of pricier trucks vs. bread-and-butter passenger cars; in October 57% of vehicles sold were considered light trucks, the highest level since December 2005.

That trend led Ford Motor Co. and General Motors Co. to record operating profits in North America during the third quarter.

AutoData Corp. estimates incentives in October crept above $3,000 to the highest level in more than four years. Fitch Ratings earlier this month warned that if rebates and discounts climb further, used-car prices–a significant factor in the strength of new-car sales and the risk profile of auto loan and lease asset-backed securities–will sag.

Fitch’s theory, however, should be tempered by the fact inventories remain tight even as output soars.

Dealer stocks narrowed significantly in November, according to WardsAuto.com, and buyers are struggling to find ample supply of the profitable light-trucks in hot demand amid low gasoline prices. The industry’s boom a decade ago was fueled by costly sales incentives from Detroit auto makers saddled with too much production capacity and trying to push unwanted cars and trucks.

North American auto production is now running at historic highs and capacity utilization is healthier than ever, Wards reports. That means the deals that buyers are seeing in the market are more about greasing momentum that is built on strong underlying fundamentals than propping up false demand. Still, it is a good time to buy a car.

GM staged monthlong Black Friday sales, offering as much as 20% off on some vehicles, including $7,000 off the popular Chevy Tahoe SUV. Across town, Ford attracted attention with its “Friends Neighbors” no-haggle price deal in early November, but it will move to a more-conventional bonus cash offer for December. Both companies aimed to present a set-pricing strategy that cut down on haggling at the dealership and gave customers more confidence.

Chrysler Automobiles, Nissan Motor Co. and Hyundai Motor Co. all offered incentives above $3,000 per vehicle sold, on average. GM, however, was stingier when it came to incentives as a percentage of selling prices, joining only Toyota Motor Co. and Honda Motor Co. in keeping discounts below 10% of actual transaction values.

Jeff Bennett contributed to this article.

The Week Ahead looks at coming corporate events.

United Automobile Insurance – Will not Honor Claim, Review 91735 #auto #radiator


#united auto insurance
#

Will not Honor Claim

United Automobile Insurance Company

July 19, 2008, I was pumping gas at Valero Gas Station located on the corner of John West and La Prada Road when a van struck the front end of my 2008 Hyundai Tucson. Due to the damage only being scratches I opted to not make a police report because the damage was minimal and I only asked for a copy of his insurance card. Two weeks later I went to Bankston Dealership located on NWHGWY and Abrams for my estimate which came to a total of $368.51.

Debra at United Automobile is supposedly handling my claim number. Overall the entire staff that I have spoken with about this claim seems uninterested in resolving this and has not made any attempts to get the ball rolling with processing my claim. I even mentioned that I would contact my insurance State Farm to let them know what was happening and Debra commented that it wouldn t do me any good because the estimate is under $500 and my policy probably has a $500 deductible. After listening to her make this statement I became gravely concerned that this Insurance Company is not diligent with taking care of claims in a proper manner.

I am forwarding this information to the public in hopes of exposing this company for how it handles claims. From what I have been through with them they come across as very mismanaged and unprofessional. Even though my damages are $368.51, it is the principal of the matter to honor the claim filed and pay for the damages. If anyone can get this company feathers ruffled I know it s the free press! Your help is much appreciated!

Will My Car Insurance Cover Me in Canada? Online Auto Insurance #rockcliff #auto


#auto insurance canada
#

Online Auto Insurance

Will My Car Insurance Cover Me in Canada?

Similar to the United States, Canada s laws require that motorists carry auto insurance to legally operate a vehicle. Personal U.S. automobile policies will generally provide coverage for individuals that drive into Canada; however, it is advised that motorists review policy information and/or contact the provider prior to heading north of the border. Additionally, Canadian provinces and territories have different laws and requirements that must be met and visitors may want to check see if current coverage would satisfy the requirement of the area(s) that will be driven through.

U.S. drivers may want to note that laws and penalties can be similar to that of their state if caught operating a motor vehicle uninsured and requirements can differ in various parts of Canada. For example, in the Yukon Territory, there is an automatic fine issued to visitors that are involved in an accident without being insured and the motor vehicle can be impounded.

Also, although the coverage purchased from an auto insurance company in the United States may provide a certain amount of financial protection following an accident, the documentation may not show that the limits satisfy what is required by certain Canadian territories. Not only does The Yukon Territory require that motorist have automobile coverage and the necessary documentation, third party liability limits must be at least $200,000. In most cases, state minimum requirements do not meet this amount and a motorist may need to make a policy adjustment prior to entering Canada.

A safer approach to ensure that Canada s car insurance coverage requirements are met is for a motorist to contact their carrier and obtain a Canadian Nonresident InterProvincial Motor Vehicle Liability Insurance Card. This is commonly referred to as a Yellow Card or Canadian ID Card and is accepted as valid proof of financial responsibility and could save a lot of hassle should a driver need to prove that a vehicle is insured.

Driving in Canada

Canada s driving laws are very similar to that of the United States with some variations. Travelers should be sure to understand the rules of the road, especially when operating a motor vehicle in another country. Fortunately, visiting motorists will simply need to operate in the same manner that is expected in the U.S. with some exceptions. The following driving rules should be obeyed north of the border:

  • Always obey the posted speed limit and remember that these will likely be posted in kilometers per hour (KPH) rather than miles per hour (MPH). Most speedometers on vehicles show both.
  • Most provinces and territories require the use of seat belts and safety restraints.
    • Children under a certain weight will be required to be fastened in a car seat.
  • Proof of insurance should be carried at all times and may be required.
  • Certain provinces and territories require that drivers keep headlights on at all times – both day and night.
  • Use of cell phones and handheld electronic devices may be prohibited unless a hands-free attachment is used that allows voice activation or one touch operation.
  • Motorists should not operate an automobile while under the influence of drugs and/or alcohol; punishments can be severe.
  • Other rules may need to be followed and the area that is being visited should be contacted for any type of clarification. This may be especially necessary if operating a recreational vehicle, towing items, etc.

Motorists involved in an automobile accident should contact the local police immediately and contact their auto insurance policy provider for instruction on what steps to take. Operating a vehicle in Canada is not much different than the United States, but taking the necessary precautions to understand any difference in laws and automobile coverage requirements is advised and can save a great deal of grief and doing so can be done quickly by contacting the appropriate parties.

United Automobile Insurance – Will not Honor Claim, Review 91735 #husker #auto #group


#united auto insurance
#

Will not Honor Claim

United Automobile Insurance Company

July 19, 2008, I was pumping gas at Valero Gas Station located on the corner of John West and La Prada Road when a van struck the front end of my 2008 Hyundai Tucson. Due to the damage only being scratches I opted to not make a police report because the damage was minimal and I only asked for a copy of his insurance card. Two weeks later I went to Bankston Dealership located on NWHGWY and Abrams for my estimate which came to a total of $368.51.

Debra at United Automobile is supposedly handling my claim number. Overall the entire staff that I have spoken with about this claim seems uninterested in resolving this and has not made any attempts to get the ball rolling with processing my claim. I even mentioned that I would contact my insurance State Farm to let them know what was happening and Debra commented that it wouldn t do me any good because the estimate is under $500 and my policy probably has a $500 deductible. After listening to her make this statement I became gravely concerned that this Insurance Company is not diligent with taking care of claims in a proper manner.

I am forwarding this information to the public in hopes of exposing this company for how it handles claims. From what I have been through with them they come across as very mismanaged and unprofessional. Even though my damages are $368.51, it is the principal of the matter to honor the claim filed and pay for the damages. If anyone can get this company feathers ruffled I know it s the free press! Your help is much appreciated!

Pay Off Loan Calculator – Find out how long it will take to pay off your loan #auto #show #detroit


#auto loan payoff calculator
#

Determine How Quickly You Can Pay Off Your Loan

How long until my loan is paid off?

Additional Information

If you feel that you have too much debt, you are not alone. Most people have substantial debt; many have more than they can handle. However, debt is not all bad. Sometimes it makes sense to use borrowed money for investments. However, most folks are not using debt in that way; they are using it to make ordinary purchases of things they would probably be better off without, anyway. In our competitive society, spending has become a status symbol. This encourages people to spend more than they should — more than they have. Consequently, they run up tremendous debt.

While some debt is okay, too much debt is not. So, how do you know whether you have too much debt or not? First let’s look at the different kinds of debt we might incur.

Credit and the Consumer

While credit stimulates the economy, it does have to be used judiciously. Credit is not money. Derived from the Latin word for “trustworthiness,” credit is based on faith that the borrower will repay the debt with real money. One should not use credit in place of money when there is little or no likelihood that payment in real money will be made using credit without the intent or ability to pay is theft.

Today, credit has become a business in its own right. Credit is issued by banks, savings and loans, credit unions, public utilities, and even merchants. According to the Federal Reserve, there was more than $2.5 trillion of consumer debt outstanding by late 2009 this is more than double the amount outstanding in 1994. This represents hundreds of billions of dollars in interest earnings to lenders. This is why credit card companies aggressively compete to get you to use their credit cards and services. The marketing is so aggressive that consumers may lose sight of the fact that this is not free money and make excessive purchases to the point where they find themselves in financial difficulty.

Finding Help In Managing Debt

There are many reasons why people find themselves in financial difficulty. The key to resolving financial woes is understanding why the problems arose, making a plan to resolve the problems, and taking action to get back on track.

In the past, you may have managed your debt well until you lost your job or had a financial setback due to large medical or legal expenses, or investment losses. You may have incurred large debt due to poor spending habits, overuse of credit cards, poor budgeting, or even gambling. Before you can resolve your debt issues, you need to deal with their causes or the problems will recur. Some of these issues you can resolve on your own, while others will require professional help.

Why Used-Car Prices Will Stay High #auto #shipping


#used car prices
#

Why Used-Car Prices Will Stay High

By Kelsey Mays

May 23, 2012

Mike Hogan didn’t expect much for his trade-in, a 13-year-old stick-shift Subaru Forester SUV with 129,000 miles on the odometer. He’d have been happy with $1,500.

The dealer offered $2,750.

“I suppose I undervalue my used cars because I drive them for so long,” said Hogan, a 49-year-old who is the director of a domestic violence program in suburban Milwaukee. He handed over the Forester, his wife’s car, last January and bought her a brand-new Kia Soul, a car that starts at $13,900 and is one of the cheapest on the market. It was the first new car Hogan bought in more than a dozen years.

“We are both long-time used-car buyers,” Hogan wrote in an email. “We most often try to purchase low-mileage used cars that are only one or two model years old. … Given the inflated prices at the time, we did not consider seriously any used models.”

Believe it or not, the dealer will likely still make money. Cars.com’s national inventory shows dozens of 1999 Subaru Foresters with more than 100,000 miles, and the median listing price is just shy of $5,000.

Three years of depressed new-car sales have driven used prices to historic highs. Recent evidence suggests possible relief, but it will likely take years, not months, before used-car prices come back down.

Low Sales, Fewer Cars

Such is the result of new-car sales below 16 million, which is what we’ve seen every year since 2008, when the economy crumbled. From 2008 to 2011, recession-wracked car shoppers bought more than 19 million fewer vehicles than during the earlier 2000s. That, in turn, affected the number of used cars on the road today, available to used-car shoppers like Hogan.

New-car sales handily outpaced the number of cars being scrapped by at least 3 million from 2000 to 2007, according to CNW Marketing Research:

*Projected

Sources: Automotive News, CNW Marketing Research, Bloomberg News

The total number of vehicles on the road ballooned over that period. In 2000, the U.S. had some 205 million cars on the road, or 73 cars per 100 Americans, according Polk and census data. By 2007, that number had grown to 241 million cars, or 80 cars for every 100 Americans.

Then came the recession. From 2008 to 2011, Americans bought just 48 million new cars, while junkyards scrapped around 47 million used cars. Predictably, total cars on the road plateaued at around 240 million. The number of Americans driving them continued to grow, however. In 2007 there were 80 cars for every 100 Americans. By 2011, that number had ebbed to 77.

Fewer cars in circulation drove up used-car prices, particularly as drivers hung onto their vehicles longer and longer. A collapse in auto leasing in 2008 exacerbated the situation, leaving the pipeline dry for late-model used cars in 2011 through today — the types of cars Hogan and many others typically zero in on when car shopping.

The result? The average used car went from $9,022 at wholesale in December 2008 to $9,878 three years later, according to Automotive News and ADESA data.

The numbers hit home when you consider Cars.com data for some of the most popular car searches. Look at the Ford F-150, Ford Mustang, Honda Civic, Jeep Grand Cherokee and Toyota Camry. Across the five models, listed prices for used cars 5 years old or newer have increased 29% since April 2009, easily outpacing the relative increase in MSRPs across the same span.

Source: Cars.com data. Each average included used-car listings on 5-year-old and newer cars each April. (For example, April 2009 had 2004-2008 models.)

A Slow Road Back

What needs to happen for the high prices to reverse? Exactly what is happening in 2012 — just more of it over more time. New-car sales are up 10% through the first four months of the year, and analysts surveyed this month by Bloomberg News expect shoppers this year to buy 14.3 million new cars, a 12% gain by year’s end. CNW projects around 12 million cars to be scrapped this year, which signals that the total number of cars on the road will climb once again.

Used-car demand has been falling in the meantime, but could that be due to shoppers making the same choice Hogan did? In 2010, shoppers bought 3.2 used cars for every new car, according to CNW. In 2011, that ratio fell to 3.0. The ratio has seasonal variations, but shoppers through April bought 2.3 used cars for every new car — down from 2.4 cars in the first four months of 2011. Any way you slice it, the relative demand for used cars is falling.

That, combined with a slow but steady influx of used cars, means prices will fall. slowly. Average wholesale used-car prices fell 2% year over year in February, which is the most recent data available from Automotive News. Auto Remarketing, a used-car publication, noted that auto leasing has stabilized — around one in five cars — since early spring 2011.

The relief will be slow. The bulk of 2011’s leases won’t turn over until 2014 and beyond. February’s average wholesale price for a used car is just $31 less than last December’s.

The progress is slow, but it might work out in time for Hogan’s next car. While his wife drives the Soul, he hopes to get a few more years out of his 2005 Toyota Sienna minivan, which he bought in 2007.

“I am hoping to get another three or four years out of our Toyota Sienna,” Hogan wrote. “And I expect, by then, you will be able to get good value in low-mileage used cars again.”

SDCCU will host used car super sale


#used car listings
#

7/10/2013 12:00 a.m.

San Diego County Credit Union, San Diego s largest locally-owned financial institution, will host a used car super sale in the parking lot at their administrative building located at 6545 Sequence Drive in Mira Mesa from 8 a.m. to 4 p.m. on Saturday, July 13th. The public is invited to attend.

Approximately 275 late-model, low-mileage cars, trucks and SUVs will be available for sale from the Penske

Automotive Group, Inc. which operates 13 dealerships in the Southern California area. Trade-ins are welcome, SDCCU encourages the public to bring their vehicle whether it s paid for or not. Up to 100% financing, 90 days no payments, generous terms and auto loan rates as low as 0.99% APR will be available, along with special pricing on all vehicles. Please bring current driver license, proof of insurance and current pay-stub with you to the sale. For more information, call (877) 732-2848 or visit www.sdccu.com.

San Diego County Credit Union is San Diego s largest locally-owned financial institution serving San Diego, Riverside and Orange counties. SDCCU has assets of over $6.2 billion, more than 247,000 customers, 31 convenient branch locations and 30,000 surcharge-FREE ATMs. From FREE Checking with eStatements and SDCCU Mobile Deposit, to home and auto loans, Visa credit cards, money market accounts and business banking services, including commercial real estate loans; SDCCU provides breakthrough banking products that meet the demands of today s lifestyle and delivers banking services that save customers money. Federally insured by NCUA and is an equal housing lender. For more information, visit www.sdccu.com.

United Automobile Insurance – Will not Honor Claim, Review 91735


#united auto insurance
#

Will not Honor Claim

United Automobile Insurance Company

July 19, 2008, I was pumping gas at Valero Gas Station located on the corner of John West and La Prada Road when a van struck the front end of my 2008 Hyundai Tucson. Due to the damage only being scratches I opted to not make a police report because the damage was minimal and I only asked for a copy of his insurance card. Two weeks later I went to Bankston Dealership located on NWHGWY and Abrams for my estimate which came to a total of $368.51.

Debra at United Automobile is supposedly handling my claim number. Overall the entire staff that I have spoken with about this claim seems uninterested in resolving this and has not made any attempts to get the ball rolling with processing my claim. I even mentioned that I would contact my insurance State Farm to let them know what was happening and Debra commented that it wouldn t do me any good because the estimate is under $500 and my policy probably has a $500 deductible. After listening to her make this statement I became gravely concerned that this Insurance Company is not diligent with taking care of claims in a proper manner.

I am forwarding this information to the public in hopes of exposing this company for how it handles claims. From what I have been through with them they come across as very mismanaged and unprofessional. Even though my damages are $368.51, it is the principal of the matter to honor the claim filed and pay for the damages. If anyone can get this company feathers ruffled I know it s the free press! Your help is much appreciated!

Pay Off Loan Calculator – Find out how long it will take to pay off your loan


#auto loan payoff calculator
#

Determine How Quickly You Can Pay Off Your Loan

How long until my loan is paid off?

Additional Information

If you feel that you have too much debt, you are not alone. Most people have substantial debt; many have more than they can handle. However, debt is not all bad. Sometimes it makes sense to use borrowed money for investments. However, most folks are not using debt in that way; they are using it to make ordinary purchases of things they would probably be better off without, anyway. In our competitive society, spending has become a status symbol. This encourages people to spend more than they should — more than they have. Consequently, they run up tremendous debt.

While some debt is okay, too much debt is not. So, how do you know whether you have too much debt or not? First let’s look at the different kinds of debt we might incur.

Credit and the Consumer

While credit stimulates the economy, it does have to be used judiciously. Credit is not money. Derived from the Latin word for “trustworthiness,” credit is based on faith that the borrower will repay the debt with real money. One should not use credit in place of money when there is little or no likelihood that payment in real money will be made using credit without the intent or ability to pay is theft.

Today, credit has become a business in its own right. Credit is issued by banks, savings and loans, credit unions, public utilities, and even merchants. According to the Federal Reserve, there was more than $2.5 trillion of consumer debt outstanding by late 2009 this is more than double the amount outstanding in 1994. This represents hundreds of billions of dollars in interest earnings to lenders. This is why credit card companies aggressively compete to get you to use their credit cards and services. The marketing is so aggressive that consumers may lose sight of the fact that this is not free money and make excessive purchases to the point where they find themselves in financial difficulty.

Finding Help In Managing Debt

There are many reasons why people find themselves in financial difficulty. The key to resolving financial woes is understanding why the problems arose, making a plan to resolve the problems, and taking action to get back on track.

In the past, you may have managed your debt well until you lost your job or had a financial setback due to large medical or legal expenses, or investment losses. You may have incurred large debt due to poor spending habits, overuse of credit cards, poor budgeting, or even gambling. Before you can resolve your debt issues, you need to deal with their causes or the problems will recur. Some of these issues you can resolve on your own, while others will require professional help.