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AIR CHARTER INTERNATIONAL

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AIR CHARTER INTERNATIONAL, NEF6.COM

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VIBHA LIFESAVERS – HI FLYING AVIATION GROUP
AIR AMBULANCE WORLDWIDE – INDIA

Vibha lifesavers – Hi flying aviation group is a comprehensive medical transport service with its operation base in Mumbai India which does the complete spectrum of air ambulance transportation which includes medical escorts, commercial airline stretcher transfers and air medical chartered flights on fixed wing aircrafts and helicopters for planned and emergency patient evacuation worldwide.

Established in 1996 – Vibha Lifesavers – Hi Flying aviation group has completed over 10,000 critical ground ambulance transportations and 2000 critical air medical transportation over 25 countries and 5 continents. They specialise in providing prompt, caring and professional services.

The emergency air ambulance services is activated by a single call on alarm center no +91 98211 50889 – open 24/7/365. On receiving a call and understanding the medical emergency, a plan is prepared by the medical team and medical co ordinator immediately provides a cost estimate. On confirmation of the call, the medical evacuation is immediately implemented.

The doctors are aeromedicaly trained to take care of all medical and surgical emergencies during the flight. All lifesaving equipments including cardiac monitors, pulse oximeters, defibrillators, ventilators, suction machines, blood sugar monitoring devices, oxygen and emergency medications are available onboard the flight.

All medical evacuation services are available at economical cost to individuals, hospitals, corporates, insurance and air ambulance companies.

Helpline – 24/7 – USA – 001 412 567 2211
– Europe/UK – 0044 07624 169 390

Thank you, your message has been sent


Advanced Pharmacy Analytics: Enhancing FWA Compliance and Cost Containment? ( Video

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Advanced Pharmacy Analytics: Enhancing FWA Compliance and Cost Containment, REMMONT.COM


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Advanced Pharmacy Analytics: Enhancing FWA Compliance and Cost Containment


Advanced Pharmacy Analytics: Enhancing FWA Compliance and Cost Containment, NEF6.COM

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Choosing Term Life Insurance for a Low-Cost Policy, cost term life insurance.

#Cost #term #life #insurance


Term Life Insurance: A Low-Cost Life Insurance Policy Option

Cost term life insurance

Cost term life insurance

Need low-cost life insurance? Take a look at the budget friendly option of a term life insurance policy.

Term Life Insurance Defined

Term life insurance is a temporary life insurance solution that provides life insurance at a fixed rate over a specific length of time. Common terms for term life are 5, 10, or 20 years, although other options are possible. The longer the term, the more expensive the policy may become since it covers a longer time span, so the risk of the insured dying during the term will increase.

Term life insurance only provides a death benefit and has no cash value.

Life insurance takes into consideration the age at the time of purchasing the policy, so the younger you are when you buy term life, the less expensive it will be.

Why Is Term Life Insurance Less Expensive?

Term life insurance is a less expensive life insurance option and a good choice when you are on a budget because it is temporary and only pays a death benefit to beneficiaries of the policy if the insured dies during the limited term of the policy.

The risk is far less than whole life insurance or universal life policies, and therefore term life insurance is the least expensive option in the life insurance product line. Unlike whole life and universal life products, there are no cash values in the policy, so the premiums are purely for the life insurance death benefit, which also keeps the cost down. Term life is a no frills option that takes care of the basics : providing the money to your dependents in the event of your sudden death.

Most people view it as an affordable and immediate life insurance option.

Term Life Insurance May Be More Affordable Than You Think

According to the 2015 Insurance Barometer Study, 80 percent of consumers misjudge the price for term life insurance. Millennials overestimate the cost by 213%, and Gen X overestimate the cost by 119%.

What Happens After Term Life Insurance Expires?

Once the term of the policy expires, you may not be able to purchase a new term life insurance policy at the lower rate you had become accustomed to because the new policy would be based on your age. The older you are the more expensive life insurance becomes.

If you become sick and your term life insurance expires you might have trouble getting a new term live insurance policy.

To avoid problems, consider the idea of adding an endorsement to your term life insurance policy that allows you to convert it to a whole life policy at the end of the term, or get a renewable policy. Your life insurance adviser should review these options with you.

Convertible and Renewable Term Life Insurance

Renewable and convertible term insurance can help you avoid finding yourself in a position where you are uninsured or uninsurable. For example, if you want a 10-year low-cost term life insurance policy and at the end of the term you would like to convert to a different term life insurance policy such as a cash-value policy without taking another medical exam, you could choose a level term convertible life insurance policy.

Term Life Insurance and the Contestable Period

Choosing a renewable or convertible life insurance policy may also protect you from the contestable period in life insurance, which allows payment of the death benefit to potentially be investigated and denied during the contestability period.

The contestability period usually lasts two years from the date of a new policy. If your intention is to maintain life insurance beyond the initial term, you should ask you agent about this.

Deciding If a Term Life Insurance Policy Is for You

Term life insurance does not build cash value or have the tax benefits like universal life insurance or whole life, but it can be a great option for someone who would like life insurance, but can t afford the higher premiums. Here is a check-list to help you decide if a low-cost term life insurance policy is right for you:

  • You re on a budget and cannot afford a very high premium.
  • You are young and in good health.
  • You are looking for a simple, straight-forward, low-cost life insurance plan to protect your beneficiaries.
  • You are middle aged and do not require long-term life insurance, but only want to purchase coverage as a result of a temporary situation, or to serve a specific time span.
  • You want to supplement your existing life insurance with a secondary policy for a limited time.

Annual Renewable Term Life Insurance vs. Level Premium Term Life Insurance

You can have two different types of term life insurance:

  1. Annual Renewable Term Life Insurance gives the policyholder term life insurance for a year at a time and renews annually. The premium rises as you age, so buying an annual renewal term policy isn t the choice that most people go with. When thinking about life insurance, you would normally be thinking more than one year at a time. A policy like this would usually be used as part of a greater overall strategy.
  2. Level Premium Life Insurance gives the policy holder the advantage of a fixed cost over a specified length of time. The annual premium you pay is guaranteed not to change during the course of your policy term, whether it is 5 year, 10, 20 or up to 30 years. With a level premium term life insurance policy you are locking in the rate and will not have any surprises, or rate adjustments while the policy is in effect.

Talking to Your Insurance Agent About a Term Life Insurance Policy

Whenever you are looking at purchasing an insurance policy make sure and let the agent know exactly what you are trying to accomplish, and where you are at in life. Life insurance is part of financial planning and the better your representative understands your current lifestyle and long-term goals, the better the advice they can give you. If you do not feel really comfortable with your representative, find someone else who you feel at ease with.

Want to build cash value and have lifelong coverage? Check out whole life insurance: Whole Life Insurance Policy Choices




Cheap Car Insurance from Titan Insurance Company, auto insurance cost.

#Auto #insurance #cost


auto insurance cost

Auto insurance cost

1-800-TITAN-UP (1-800-848-2687)

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Titan Mobile App Update

Titan.com is mobile friendly. The Titan Mobile App retires 9/15.

Titan car insurance coverage

Titan has cheap auto insurance with flexible monthly payment plans that offer solutions for your budget.

Minimum car insurance

Minimum auto insurance requirements vary by state. Titan can help you get the low-cost minimum coverage you need

Quality customer service

Our car insurance customer service can assist with claims and answer questions about cheap car insurance quotes.

Commercial auto insurance

Keep your business running smoothly and your company vehicles covered with a commercial auto insurance policy.

California AB60 Information

Check out our resources and workshops to help with questions around AB60.

Connect with Titan: Auto insurance cost Auto insurance cost

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Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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Bologna low cost: come organizzare un soggiorno, dai voli agli alloggi, soggiorno low cost.

#Soggiorno #low #cost


Bologna low cost: cosa vedere in un giorno, cosa assaggiare e dove alloggiare

Bologna, la città universitaria per eccellenza dove la musica e il buon cibo sono i protagonisti della vita dei bolognesi e dei turisti. Ideale per chi ha in programma un piacevole weekend o semplicemente una giornata, magari con soluzioni low cost. Per chi sta progettando di visitare Bologna, innanzi tutto è consigliabile prenotare con anticipo per trovare voli economici, in più leggete qui i nostri consigli su dove mangiare e alloggiare low cost!

Cosa vedere a Bologna in un giorno

Bologna è ricca di opere d’arte, monumenti dedicati dai signori della città ai grandi artisti. Partendo proprio dalla cultura musicale, in via D’Azeglio 13 troverete la casa museo del cantautore Lucio Dalla, che più volte ha messo in musica il suo amore per Bologna.

Immancabile nella vostra lista è Piazza Maggiore, simbolo del centro storico, e i palazzi dell’epoca, come il Palazzo Re Enzo con la fontana del Nettuno. Un altro simbolo che identifica perfettamente la natura di Bologna, tra antico e moderno, è la Basilica di San Petronio. Mentre vi perdere nelle tipiche piccole vie laterali, c’è Palazzo dei Banchi con annesso il portico dell’Archiginnasio e la sede interna del teatro anatomico.

Bologna low cost:4 posti dove mangiare i piatti tipici

I sapori di Bologna sono ben noti e apprezzati in tutto il mondo, come i tortellini, le lasagne con il famoso ragù, la cipolla bianca soffritta il “friggione” e la piadina. In centro ci sono l’Osteria dell’Orsa via Mentana e l’Osteria del Sole Vicolo Ranocchi in cui potrete gustare i piatti tradizionali in porzioni abbondanti.

Da provare anche Las Piadina via Augusto Murri 20/D apprezzata da bolognesi e non per la tradizionale piadina e adatto anche ai vegetariani. Per chi invece preferisce lo street food, Breaking Toast – via Irnerio 18/D – è consigliato per chi vuole un pasto “al volo” senza rinunciare ai sapori e ai gusti di Bologna, in più troverete numerose scelte veg.

Bologna low cost: 3 alloggi dove dormire

La soluzione migliore per un alloggio low cost è scegliere tra i bed and breakfast e gli ostelli che la città ospita. In più sono situati in centro o poco più distanti, ideali per chi vuole godersi un soggiorno senza preoccuparsi del parcheggio. Un esempio è l’Ostello We-Bologna, poco distante dalla stazione centrale Via de Carracci, 69/14 con camere doppie e quadruple con bagno privato e doccia, particolarmente apprezzato per il l’atmosfera familiare e confortevole.

In pieno centro storico c’è il Dopa hostel – via Irnerio, 41 – dallo stile moderno, con cuccette nelle stanze comuni, per chi ricerca la propria privacy anche in un ostello. Se invece preferite il bed and breakfast, sempre restando in centro, c’è lo SpeakEasy in via Zamboni, una buona soluzione qualità-prezzo.


How To Get Affordable Car Insurance, low cost car insurance.

#Low #cost #car #insurance


How To Get Affordable Car Insurance

Do Some Homework and Don’t Settle for the First Deal

10/20/2011 – By Michelle V. Rafter, Contributor

Low cost car insurance

Low cost car insurance

Low cost car insurance

If you lose your job, take a pay cut or encounter another kind of financial hardship, affordable auto insurance quickly turns from nice to necessity. While it’s easy enough to find companies offering cut-rate car insurance, is that the best way to go?

Not really, according to consumer watchdogs and insurance experts. To find the lowest possible rates from an insurer that’ll be there when you need it, learn what type of coverage you must carry, research the reputations of insurance companies and take advantage of every possible discount for which you’re eligible, experts say. They also recommend checking out pay-as-you-drive policies that peg premiums to how many miles you put on your car each year. Finally, if you’re eligible, look into low-cost auto insurance programs that such states as California, Hawaii and New Jersey offer to people with very low incomes.

When it comes to buying affordable car insurance, you’re your own best advocate. At the same time, it’s not always easy to take on that role, says J. Robert Hunter, a former Texas insurance commissioner and insurance director at the nonprofit Consumer Federation of America in Washington. Don’t settle for the first insurance company or agent you find, Hunter says. Shop around. “That’s how big buyers of insurance do it,” he says. “They put it out for competitive bids. That’s what you should do, too.”

Here’s a step-by-step guide to finding the lowest rates without getting ripped off:

1. Start with the car. What you pay for comprehensive and collision coverage depends on the year, make and model of the car you drive. Generally speaking, the newer, more expensive the vehicle, the higher the premium. Rates for comprehensive and collision coverage don’t vary much, so if you can’t afford to pay a lot for insurance and you’re in the market for a car, buy one that’s inexpensive.

2. Know your limits. Most states have set minimums for liability insurance coverage, both for bodily injury and property damage. Look up coverage minimums here or on your state insurance commission’s Web site. The National Association of Insurance Commissioners lists insurance commissions in all 50 states and U.S. territories. If you’re taking out a loan to purchase a new or used car, the lender will likely require you to carry a certain level of comprehensive and collision coverage, according to the NAIC.

3. Take the highest possible deductible. Want an easy way to lower your premium? Take a high deductible. By opting for an annual deductible of $1,000 instead of $250, you’ll pay less up front, but should you be responsible for an accident, you’ll foot more of the bill before insurance payments kick in.

4. Check your credit score. Some states allow insurers to take your credit history into account when compiling what’s called an insurance credit score, which they use to calculate your premium. Bad credit because of overdue bills or a personal bankruptcy means you could end up paying more for auto coverage. To improve your insurance credit score, pay your bills on time, monitor your credit report and do anything you can to fix problems that could be lowering your score.

5. Narrow the field. Use the process of elimination to come up with three or four reputable insurance companies or agents to approach for quotes. Start at your state insurance commission’s Web site, which usually lists several dozen of the area’s top insurers. Choose the half dozen or so companies with the lowest prices for coverage that’s closest to what you need. Next, check the reputations of insurers by going to the NAIC’s Consumer Information Source Web site to find the “complaint ratios” for each. Complaint ratios show the number of complaints that consumers filed against a company in a given year and then compare this to the company’s share of all premiums for a specific type of auto policy during that period. The national median is 1.0, and highly rated companies can score well below that.

Here’s exactly how to see where your candidate companies stand. In the search box on the right side of the Consumer Information Source page, type in the name of the insurance company you want to research, your state and “Property/Casualty” for the statement type. From the results page, click on “Closed Complaints.” To see complaint ratios for the company’s auto insurance policies, choose “Closed Complaint Ratio Report” and “Private Passenger.”

If a company’s ratio is substantially higher than the median, go back to your state insurance commission’s Web site to see if regulators have taken action against them. With that information, whittle your list down to the three or four insurers with the lowest complaints. Then contact them directly. Consumers who are really financially strapped to the extent of not having Web access at home for this research can ask a friend or relative with Internet access for help, or use free Internet service at a public library.

6. Find an agent. If the insurance companies you’ve identified as possibilities sell directly to customers, you can plug information into a form on their Web sites, get a quote and have someone contact you. If the companies sell through an agent network, ask friends or family who they use, or go back to your state insurance commissioner’s Web site to look up agents in your area. Give anyone you contact specific details about the coverage you want and let them know you’re comparison shopping. “Say, ‘I’ve talked to this company and got a quote for $480. Can you beat it?'” says Hunter, with the Consumer Federation of America. “Then you’ve put them to the test.”

7. Grab those discounts. Insurers offer a multitude of discounts, including lower rates for drivers with short commutes, retirees, students with good grades or vehicles with safety devices such as car alarms or motorized seatbelts. If you’re over 55, you could lower your premium by 10 percent by passing a defensive driving course, according to the Insurance Information Institute. When you’re talking to agents, don’t forget to inquire about the group discounts that some insurers offer to members of professional organizations or other groups. Companies including State Farm, Auto Club of Southern California and Progressive have begun offering pay-as-you drive discounts, with premiums tied to your annual mileage, with a cap at approximately 19,000 miles. In many of these programs, you report your mileage online or to your agent when your policy’s up for renewal.

8. Consider opting out of some but not all coverage. If you drive an older car and own it outright, consider dropping comprehensive and collision coverage. If the vehicle is really old, you could be paying more in insurance than what it’s worth. But hold onto that liability insurance. It’s illegal in most states to drive without it, and insurers in some states charge significantly higher premiums if you let coverage lapse, even if you haven’t been driving.

9. Investigate state-run low-cost insurance programs. If you live in California, Hawaii or New Jersey, and if your household income is close to or less than the poverty level, you may qualify for state-run low-cost or no-cost insurance programs. Policies under the California Low Cost Automobile Insurance Program, for example, cost less than $400 a year and cover about 12,000 low-income drivers at any given time, according to Doug Heller, executive director of Consumer Watchdog, an advocacy group in Santa Monica, California. He expects more people to sign up as a new state law takes effect that lets agents sell the program online for the first time. “That’s important not just for people who can get online from their homes, but for agencies that provide resources for low-income families,” Heller says. Lawmakers in Nevada and Michigan recently proposed or approved pilots for similar programs.

10. Assess insurance needs and premium costs annually. Life isn’t static, and your auto insurance premiums shouldn’t be either. Review your policy once a year, especially if you’ve moved or switched to a job that has you driving more or less. A review is also a good time to check on whether you’re eligible for additional discounts.


Low-Cost Spay, low cost.

#Low #cost


General Pet Care

Low cost

Whether you’ve recently adopted a pet or you’re considering doing so, one of the most important health decisions you’ll make is to spay or neuter your cat or dog. (Learn more by reading our Spay/Neuter Your Pet page.)

The comprehensive and searchable database of low-cost spay/neuter providers below, made possible through our partnership with PetSmart Charities ® , can help you find affordable services in your community. We are continually adding to this database, so please check back soon if you don’t find any listings for your area at this time.

Viewing on a mobile? Please flip your phone horizontally to ensure you are able to view full search results. If you are still unable to view results, please try a tablet or desktop computer.

Enter your zip code below to search for a low-cost spay/neuter provider near you:

Frequently Asked Questions

Please flip your phone horizontally to ensure you are able to view full search results, and ensure that JavaScript is enabled. If you are still unable to view results, please try a tablet or desktop computer.

Please try searching within a larger mile radius, within 25 or 50 miles. If you still don’t see spay/neuter providers near you, don’t give up! You can try searching Google for low cost spay neuter options.

Please contact a clinic directly to find out pricing and services. These clinics are all individually owned and operated, and their pricing and services may vary.

Please email [email protected] with any updates to your clinic listing.

If you are a low-cost spay/neuter provider, or know of one that is not in this database, please submit your listing for consideration. Submission does not guarantee listing.

PLEASE NOTE THAT THIS INFORMATION IS FOR REFERENCE PURPOSES ONLY.


California s Low Cost Auto Insurance Program, low cost automobile insurance.

#Low #cost #automobile #insurance


California’s Low Cost Auto Insurance Program

Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

About California’s Low Cost Automobile Insurance Program

California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

CLCA important links:

  • Reports to the Legislature and Consumer Education and Outreach Plans
  • CLCA Tip Card (PDF)
  • Cost of CLCA Insurance Rates Sheet by County 201 7
  • Cost of CLCA Optional Rates Sheet 201 7
  • Good Driver Definition (PDF)
  • Applicant Income Eligibility Requirement (PDF)
  • Request CLCA Tip Cards to be mailed to your organization.
  • Invite CEOB to your outreach event or meeting!
  • If you have a question about the CLCA program, send us an e-mail!

Contact Us:

The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

Consumer Education and Outreach Bureau

300 S. Spring Street, South Tower

Los Angeles, CA 90013

Toll free (877) 401-9550

The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).


Cheap Car Insurance, low cost automobile insurance.

#Low #cost #automobile #insurance


Getting cheap rates on auto insurance

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side ® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide ® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.


Cost of LASIK Eye Surgery – Can You Afford It?

#cost #of #lasik #eye #surgery #in #pa


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Cost of LASIK Eye Surgery? You Can Afford It!

The LASIK Vision Institute® makes LASIK eye surgery affordable.

If you are considering a LASIK procedure, you may be wondering, What is the cost of LASIK surgery? Will I be able to afford a LASIK treatment? The cost of LASIK surgery will vary depending on the procedure that is right for your vision correction.

The LASIK Vision Institute strives to offer some of the most competitive rates and transparent pricing to make your cost of LASIK surgery clear-cut and up front. There are many options that help make LASIK eye surgery more affordable for you.

The LASIK Vision Institute® offers:

Clear LASIK Pricing – We provide a clear, predictable LASIK price that is relative to your eye prescription and laser eye surgery needs. This price is reviewed at your FREE LASIK Evaluation/Pre-operative exam*. With our up front pricing, you will not be left wondering what you will pay, nor will you be taken by surprise by an inflated bill following a procedure!.

Financing – At The LASIK Vision Institute, we have a variety of options that fit most budgets. We will work with you to help you choose the best financing option for your needs. It takes minutes to see if you qualify for financing, and over 90% of our patients qualify for our affordable financing options. We offer low monthly payment options that fit seamlessly into your budget. Additionally, some programs feature no money down!

Combine our affordable financing with your resources.

In addition to your financing options through The LASIK Vision Institute, there are other options you can explore to help reduce the cost of LASIK surgery. Consider whether any of the following options may apply to you:

Flexible Spending Accounts (FSA) – Do you have a flexible spending account through your employer? Many patients use these tax-free funds and apply them to the cost of LASIK eye surgery. Once you complete your Free LASIK Evaluation /Pre-operative exam*, you can decide how much you would like to contribute from your flex spending or saving program.

Health Savings Account (HSA) – Do you have money set aside for health care expenses? Health saving accounts can be used to pay for medical expenses without the funds being subject to income tax. After your Free LASIK Evaluation /Pre-operative exam*, you can decide how much you would like to contribute from your HSA toward your LASIK surgery.

Insurance Coverage Discounts – Many patients are eligible for a discount on LASIK procedures from their companies vision or health plans. The LASIK Vision Institute also offers an insurance matching discount! LVI s insurance match program will match the insurance discount benefits up to 20% of the cost of the procedure. (Cannot be combined with other offers) Check with your company s Human Resources department or with your insurance provider to see if your plan provides a discount for LASIK surgery. Learn more details from our LASIK Specialists at your Free Evaluation.

Tax Refunds – many patients put aside money they are getting back to invest in improved vision. This is a great way to offset the cost of LASIK surgery with unfound money.

The LASIK Vision Institute provides Better Vision at a Better Value.

At The LASIK Vision Institut e, our LASIK vision correction is safe, easy, and affordable. You too can see why hundreds of thousands of patients have chosen The LASIK Vision Institute for better vision at a better value. There is no reason to wait. Schedule a Free Evaluation today and ask our LASIK Specialists for more information on the cost of LASIK.

*Prices based on prescription: up to -1.00 $299, -1.25 to -2.0 $1099, -2.25 and up as well as all hyperopic and/or greater than -0.50 diopter of astigmatism $1799. Individual results will vary. Candidacy determined by an independent doctor located within or adjacent to the LASIK Vision Institute’s (LVI) facility. All procedures performed by an independent surgeon. Punctal plugs, assurance plans and other technologies available at additional cost. This offer may not be combined with other offers. Other conditions may apply. This offer depicts a model who is not an actual patient of LVI. LASIK is a medical procedure. Talk to your eye doctor and consider both the risks and benefits before having your procedure.

Florida Residents: The patient and any other person responsible for payment have a right to refuse to pay, cancel payment, or be reimbursed for payment for any other services, examination or treatment which is performed as a result of and within 72 hours of responding to the advertisement for the free discounted fee or reduced fee service, examination or treatment. Pennsylvania Residents: Please refer to www.lasikvisioninstitute.com for information concerning Pennsylvania’s Credit Services Act.

If you are a resident of Canada and received an email from us, please be advised that this email was sent to you in error. LVI does not have offices or provide services in Canada. We apologize for any inconvenience.


San Diego Plumbing Repair Services – Plumbing Emergencies

#brinks #home #security #cost


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Looking For San Diego Plumbing Repair You Can Trust. THINK BRINK!

The Most Technologically Advanced Plumbing Solutions in San Diego!

Based in San Diego, Brinks is leading the industry with leak detection and plumbing repair technologies that are setting new standards in effectiveness and convenience.

Why Choose Brinks for Plumbing Services in San Diego?

Whether you have a sink stoppage or need help with a disposal installation, our certified plumbing technicians can do the job. We cover both residential and commercial plumbing, so no job is too big or too small. Our plumbing services don t just stop at San Diego plumbing repair we also provide full-service residential reconstruction. pipelining. and leak detection.

Why choose Brinks for Plumbing Emergencies in San Diego?

If you have a plumbing emergency in San Diego County, our team is available 24 hours a day. Our emergency plumbers will stop the leak and immediately start cleaning up using our advanced water extraction methods. These services plus our restoration services means your home or business will be as good as new.

Brinks Plumbing Repair Services

Brinks specializes in residential and commercial plumbing services with a wide range of solutions for whatever plumbing issues you might have. Plumbing fixture installation, water heater repair. sewer line replacements. and commercial facility repiping are just some of the services our team of experts provides. At Brinks, we ve seen every plumbing emergency you can imagine, meaning we have the experience to assess your plumbing needs quickly and effectively.

Why choose Brinks for leak detection?

The most modern, state-of-the-art location and imaging equipment can only be used to the fullest extent when there is a technician trained and experienced in interpreting the readings. Our experts use this technology every day, meaning they know it well and their senses are sharp.

Green Pipelining

Brinks installs innovative inner infrastructure to failing pipelines using numerous lining solutions. Pipelining is a Green Technology and saves the environment from the disposal of old piping systems into landfills. We recycle components that need replacement. Brinks offers permanent and affordable solutions with less mess.


How Much Does a DUI Cost?

#cost #of #a #dui #in #california


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Cost of a DUI

Remember that these fees are the least you would pay. They don t include hospital care for the person your teen hurt, the emotional and physical costs, the inability to get a job because of the DUI record, or the award from any lawsuit resulting from a death. All together, those costs could total millions of dollars.

The time spent dealing with the consequences resulting from a DUI is time lost in a teen s life, keeping your teen from reaching his or her goals. Here s the time breakdown.

Time spent dealing with the consequences resulting from a DUI

Average time of license suspension

3 months for adults, 12 months for teens

Average time in jail

Plus, can you imagine your teen being handicapped or maimed? Suffering a lifetime of guilt and pain because of harming or killing someone? Having trouble getting a good job or getting into college because of a DUI conviction?

In a nutshell, your teen s drinking and driving could cause you to:

  • Pay fines and fees of more than $55,000;
  • Pay huge increases in insurance premiums;
  • Pay for a costly and time-consuming alcohol abuse program for your teen; and
  • Have a teen with a criminal record for a DUI .

DUI penalties for those 21 years and older also can be severe. They include:

  • Mandatory jail time;
  • Substantial fines and fees;
  • Suspension or revocation of driver s license;
  • Restrictions on when and for what purposes one may drive;
  • Being assigned to an alcohol or drug treatment program;
  • Installation of an ignition interlock devise on a car; and
  • Impoundment of a car.

A first DUI offense requires an adult offender to be:

  • Jailed for at least 48 hours;
  • Fined substantially;
  • Restricted to driving only to and from work or an alcohol treatment program;
  • Ordered to attend a three-month or six-month alcohol treatment program;
  • Required to file proof of insurance with the Department of Motor Vehicles; and
  • Required to have an ignition interlock device (IID) installed on one s vehicle. The person must blow into the IID to check his or her BAC each time the car is started. Maintenance costs for the IID are paid by the offender.

2017 Administrative Office of the Courts


Lap Band Surgery Information Dallas Fort Worth, Texas

#lap #band #surgery, #dallas, #fort #worth, #lap-band #cost, #procedure, #laparoscopic #surgery, #weight-loss #surgery, #silicone #band, #stomach #band, #solutions, #obesity, #obesity #surgery, #laparoscopic #procedure #information, #insurance, #surgeon, #how #much #does #it #cost,


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NIRMAL JAYASEELAN

Dr. Jay grew up in Lubbock, Texas and received his bachelor’s degree in Electrical Engineering from Texas Tech University. After a short career as a systems engineer, he went to medical school at Texas Tech University Health Sciences Center, where he obtained Honors in Surgical Research for a study on shock under Dr. Tom Shires.

Dr. Jay completed his General Surgery Residency at Oregon Health Sciences University. He was trained by Dr. Don Trunkey (world-famous trauma surgeon), Dr. Lee Swanstrom (President of SAGES, a laparoscopic society), and Dr. John Porter (editor of the Yearbook of Vascular Surgery).

One of the most experienced LAP-BAND surgeons in the nation, Dr. Nirmal Jayaseelan has performed more than 5,000 weight loss operations. Based at Medical City Dallas for the past 10 years, his practice has every resource to care for the most complex bariatric patient. Dr. Jay readily accepts complex bariatric consults from all over the world, including Mexico, Nigeria, and Barbados. He is long established in bariatrics and has been voted best bariatric surgeon in Dallas every year since the inception of the category in D Magazine.

Laparoscopic weight loss surgery in experienced hands offers the patient many benefits while keeping the risks very low. Dr. Jayaseelan has a single peri-operative mortality rate in more than 3,500 non-revisional cases. He has operated on patients ranging in age from 11 to 79, some who weighed more than 750 pounds.

Dr. Jay is also considered a foremost expert in LAP-BAND surgery. A minimally invasive surgery, 99% of his patients return home the same day and back to work in just three days. Weight loss is gradual, about six to eight pounds per month and 60 to 80 pounds per year. The band offers minimal long-term complications relative to the gastric bypass.

A major advantage of Dr. Jayaseelan’s practice is the world-class surgeons who have been covering his practice for the past 10 years at Medical City Dallas. Patients also benefit from Dr. Jay’s insistence upon patient compliance through numerous follow-up visits, support groups, and other post-operative care opportunities. Follow-up is the key to success with bariatric surgery, and this is where Dr. Jay’s practice excels. His experienced staff ensures every patient receives compassionate and individualized care. A multidisciplinary approach of nutritionists, psychologists, and former patients helps ensure success.

He is board certified by the American Board of Surgery, a Fellow of the American College of Surgeons, and a member of the Texas Medical Association and Dallas County Medical Society. He is also a member of the American Society of Bariatric Surgeons. Assisting Dr. Jay in his practice are Drs. Ronald Aronoff, Ward Lane, John Winter, and Christopher Bell.

Dr. Jay was selected one of the Best Doctors in Dallas by D Magazine in 2005, 2006, 2007, 2008, 2009 and 2010.


California Low Income Car Insurance – Online Auto Insurance, california low cost auto insurance program.

#California #low #cost #auto #insurance #program


Online Auto Insurance

Many drivers take the risk of driving without the proper coverage simply because they believe that they cannot afford to be protected. This is not necessarily true. There are several insurers that are more than fair in cost and by comparison shopping a motorist can find a premium that can get them on the road and be in accordance with state laws.

  • $10,000 for bodily injury to one person
  • $20,000 for bodily injury to two people or more
  • $3,000 for property damage to others

These limits can be seen in the format of 10/20/3 and are lower than the state s requirement of 15/30/5. With that in mind if an individual who carries these limits is found to be at-fault in causing a traffic accident and the expenses exceed the limit stated on the policy then they will be held responsible for the remaining balance of the injuries and damages. Before opting for these programs one should compare rates from insurers to see if there is a company that will offer the same rate as the CLCA. Since the applicant would need to be a good driver and the vehicle cannot have a value exceeding $20,000, there may be an insurer that is within one s budget that can offer better protection.

  • The applicant must be 19 years old and have had their driver s license continuously for the past three years
  • Applicant must qualify as a good driver ;
    • No more than one at-fault property damage accident or no more than one violation point and;
    • No felony or misdemeanor conviction for violating the Vehicle Code on record
  • The value of the automobile to be insured must be no more than $20,000
  • Must meet minimum income requirements

For more information regarding eligibility the consumer should contact the Department of Insurance for more information.

Copyright 2015 – TZ Insurance Solutions LLC. All rights reserved.


Noleggio Auto Roma Termini- Noleggio Furgoni Roma – Noleggio Camper, noleggio auto low cost lungo termine.

#Noleggio #auto #low #cost #lungo #termine


Noleggio auto low cost lungo termine

Un mondo di servizi a tua disposizione

Furgoni

Scooter

Camper

Traslochi

Servizi

Contatti

English

E’ POSSIBILE LA RICONSEGNA DEL VEICOLO ALL’ESTERO PER INFO CONTATTA LE NOSTRE AGENZIE

DA NOI PUOI NOLEGGIARE ANCHE SENZA CARTA DI CREDITO , PER INFO CONTATTA LE NOSTRE AGENZIE

Furgoni

Scooter

7/9 Posti

Presso le nostre Agenzie di Roma trovi Auto a partire da 15 Euro Giorno e 50 Km inclusi e 0,15 Cent/Km per i Km Eccedenti oppure 33 Euro Giorno con Tariffa a chilometraggio illimitato

Possibilità di super assicurazione a partire da 15 € al giorno

Navigatore GPS a 10 euro al giorno

Presso le nostre Agenzie di Roma trovi Furgoni a partire da € 7 / ora + 0,35 € al Km oppure € 48,00 per 100 Km

E’ disponibile il Kit di trasporto moto per info chiama in agenzia

Il modo piГ№ semplice di visitare Roma!

Compresi nel Prezzo:

Bauletto,2caschi e sottocaschi e catena compresi nel prezzo

Vespa 50cc, Vespa 125cc e Kinko Like 125cc

A Roma il 9 Posti ideale per le tue vacanza lo trovi da noi con tariffe veramente low cost

Possibilità di super assicurazione a partire da 15 € al giorno

Traslochi

Servizi

Vendita Usato

LUNGO TERMINE

Affidati a noi per le tue necessitГ di piccolo trasloco o trasporto a Roma.В

Siamo inoltre in grado di effettuare spedizioni e/o traslochi verso l’Estero con possibilità di spedizione tramite container .

Un esempio delle nostre tariffe ?

Trasloco /trasporto all’interno del Grande Raccordo Anulare

1 Operaio + 1 furgone taglia media (tipo Fiat ducato ) + 6 ore di noleggio aВ soli 99 Euro + iva .

Rentissimo non e’ solo Noleggio classico, ma anche noleggio mensile , compravendita di veicoli .

Per la vendita disponiamo di un vasto parco di veicoli usati a prezzi molto competitivi.

E’ la soluzione piu’ semplice per possedere un’auto o furgone senza averne i costi ed oggi e’ ancor piu’ conveniente scopri il perche’ leggendo la pagina dedicata


Vanguard – Annuities overview, low cost annuities.

#Low #cost #annuities


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Annuities offered through Vanguard

Discover the benefits of buying annuities through Vanguard, whether you’re saving for retirement or need income in retirement.

Low cost annuities

The Vanguard Variable Annuity

With a Vanguard Variable Annuity, you can choose from a diverse selection of 17 investment portfolios designed for almost any retirement goal.

Keep more for retirement because the annuity’s average annual costs are more than 70% lower than the industry average,* and you have guaranteed income options too.**

More annuity options

If you’re considering an annuity, turn to a company you trust Vanguard. Whether you’re saving for retirement or looking for a secure stream of income, you’ll benefit from low costs and competitive rates, exceptional service, and unbiased assistance from licensed specialists who don’t work on commission.

This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact a financial professional.

*Source: Morningstar, Inc., as of December 2016. The Vanguard Variable Annuity has an average expense ratio of 0.54%, versus the annuity industry average of 2.26%; excludes fees for optional riders. Actual expense ratios for the Vanguard Variable Annuity range from 0.44% to 0.71%, depending on the investment allocation. The expense ratio includes an administrative fee of 0.10% and a mortality and expense risk fee of 0.19%. The expense ratio excludes additional fees that would apply if the Return of Premium death benefit rider or Secure Income (GLWB) rider is elected. In addition, contracts with balances under $25,000 are subject to a $25 annual maintenance fee.

**Product guarantees are subject to the claims-paying ability of the issuing insurance company.

Deferred variable annuities are long-term vehicles designed for retirement purposes and contain underlying investment portfolios that are subject to market fluctuation, investment risk, and possible loss of principal. If you take withdrawals from a variable annuity prior to age 59 , you may have to pay ordinary income tax plus a 10% federal penalty tax.

The Vanguard Variable Annuity is a flexible-premium variable annuity issued by Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa (NAIC No. 66281), and in New York State only, by Transamerica Financial Life Insurance Company, Harrison, New York (NAIC No. 70688). Form No. VVAP U 1101 (in Florida, Form No. VVAP U 1101 (FL), in Oregon, Form No. VVAP U 1101 (OR) (R), and in New York, VVA NY 0208(R13)). GLWB Rider Form No. RGMB 43 0811 (in Florida, RGMB 43 0811 (SI)(FL), RGMB 43 0811 (JT)(FL), in Oregon, RGMB 43 0811 (SI)(OR), RGMB 43 0811 (JT)(OR), and in New York, RGMB 43 0811 (SI)(NY) (REV), RGMB 43 0811 (JT)(NY) (REV)). Return of Premium Death Benefit Rider Form No. VVA RP 0811 (in Florida, VVA RP 0811 (FL), in Oregon, VVA RP 0811 (OR), and in New York, VVA RP 0811 (NY) (REV)), without agent representation. Policy and rider form numbers may vary by state and may not be available in all states. The Vanguard Group administers the Vanguard Variable Annuity for the issuer. Its variable annuity and investment costs rank among the lowest in the industry, according to Morningstar, Inc., December 2016. The Vanguard Group, Transamerica Premier Life Insurance Company, and Transamerica Financial Life Insurance Company do not provide tax advice. Investors are encouraged to consult a tax advisor for information on how annuity taxation applies to their individual situations.

This webpage may not be approved for advertising in Georgia, Mississippi, Oklahoma, or Oregon.


Vacanze low cost ad agosto: 20 destinazioni da non perdere, LaPresse, vacanze low cost agosto. #Vacanze #low #cost #agosto


Vacanze low cost ad agosto: 20 destinazioni da non perdere

Partire nel mese estivo per eccellenza non è poi così proibitivo: ecco dove andare per non spendere una fortuna

Non è sempre vero che chi parte ad agosto, per scelta o per lavoro, debba mettere in conto budget stellari per il suo alloggio. Secondo un’analisi di CaseVacanza.it (http://www.casevacanza.it), che ha studiato le prenotazioni fatte sul sito, viaggiare nel mese clou delle ferie può anche essere low cost.

Il portale ha stilato la classifica delle 20 destinazioni italiane in cui l’affitto di una casa vacanza è costato meno. I risultati? La Sicilia è la regina del risparmio e piazza ben otto sue località nella classifica. In alcune di queste chi ha prenotato per agosto ha speso meno della metà rispetto alla media nazionale, pari a 700 euro per una settimana in un alloggio per quattro persone. La spesa media più contenuta è quella che si è registrata per le prenotazioni di affitti turistici a Mazara del Vallo, in provincia di Trapani. Qui per una settimana si sono spesi 330 euro. A seguire si trova una località poco nota della Puglia, Pulsano (Taranto), dove gli affitti sono costati in media 340 euro a settimana. Terza è un’altra cittadina siciliana, Marsala, ancora in provincia di Trapani. Nonostante la città stia vivendo una fase di riscoperta da parte del turismo, per alloggiare vicino alle sue note saline bastano ancora 390 euro in una casa per quattro persone.

La Sicilia è la regione in cui si concentra il maggior numero di località low cost, tanto che scorrendo la classifica si trovano anche Licata (Agrigento), Custonaci (Trapani), Avola (Siracusa) e Fondachello (Catania). Ma non sono solo i piccoli paesini siciliani ad aver permesso ai vacanzieri di spendere cifre inferiori alla media nazionale. In questa classifica trovano spazio due città come Agrigento e Palermo. La prima, ancora poco battuta dal turismo di massa, offre prezzi molto competitivi (430 euro) rispetto ad altre località della sua provincia – come Lampedusa, risultata la più cara per le prenotazioni effettuate ad agosto). Palermo, invece, gode di un’offerta di alloggi più ampia che portano i prezzi a livelli controllati (460 euro).

Nella top 20 delle località low cost, oltre a Pulsano, si trovano altre due località della Puglia, fuori dal richiestissimo Salento, ma sempre vicine al mare. Si tratta di Carovigno, in provincia di Brindisi, e Maruggio, in provincia di Taranto, dove la spesa media per una settimana in quattro è pari rispettivamente a 430 e 445 euro. I risparmi più consistenti per le prenotazioni di agosto anche in Abruzzo, regione con tre località presenti nella classifica: a Silvi e Martinsicuro, entrambe in provincia di Teramo, la spesa si è aggirata fra i 440 e i 445 euro a settimana; mentre è risultata leggermente più cara Montesilvano Marina (Pescara), dove si sono spesi in media 470 euro a settimana. L’unica località montana della graduatoria è in Lombardia e si tratta di Aprica, in provincia di Sondrio, dove chi ha prenotato una casa vacanze per agosto ha speso in media 475 euro a settimana.

Le altre mete in cui si è risparmiato di più sono state Ravenna, Policoro (Matera), Bellaria Igea-Marina (Rimini), Valledoria (Sassari) e San Nicola Arcella (Cosenza). “Chi sceglie una casa vacanze per le sue ferie cerca molto spesso occasioni di risparmio che sono possibili da trovare perfino in agosto – riporta Francesco Lorenzani, ceo di Feries Srl – Nel nostro Paese ci sono degli angoli poco esplorati, in cui l’offerta riesce ancora a sostenere la domanda: in questo modo i prezzi si mantengono bassi e permettono di godersi la ‘grande bellezza’ dell’Italia a cifre contenute.”


Viaggi low cost: i migliori siti per risparmiare, Famiglia, siti di vacanze low cost. #Siti #di #vacanze #low #cost


Edizione cartacea o digitale.

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Wanda Nara e Mauro Icardi, il ballo (avvinghiati) è romanticissimo. Guarda il video privato

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  • Famiglia
  • |
  • Offerte e risparmio

Viaggi low cost: i migliori siti per risparmiare

Ormai tutto si fa su Internet: scegliere la miglior tariffa luce, gas, ADSL, assicurazione, carta di credito, conto corrente, etc. Anche quando si sta per viaggiare, esistono sul web una serie di portali che consentono di confrontare voli, pacchetti vacanza, hotel, ristoranti, etc., per scegliere le migliori offerte e risparmiare. CONFRONTARE PREZZI PER RISPARMIARE. Prima […]

Ormai tutto si fa su Internet: scegliere la miglior tariffa luce, gas, ADSL, assicurazione, carta di credito, conto corrente, etc. Anche quando si sta per viaggiare, esistono sul web una serie di portali che consentono di confrontare voli, pacchetti vacanza, hotel, ristoranti, etc., per scegliere le migliori offerte e risparmiare.

CONFRONTARE PREZZI PER RISPARMIARE. Prima di prendere qualsiasi decisione economica, meglio confrontare i prezzi. Lo facciamo sempre quando ricerchiamo una tariffa conveniente per unutenza domestica, come energia elettrica, gas, ADSL, telefono, etc. Quando vogliamo chiedere un finanziamento, trovare il miglior conto corrente o risparmiare sullassicurazione auto, lalternativa più e conveniente è quella di confrontare la maggior quantità di tariffe e preventivi possibile, e scegliere le soluzioni più adatte alle proprie esigenze.

MIGLIORI OPZIONI PER VIAGGIARE LOW COST. Per viaggiare low cost la situazione non cambia: per trovare un buon hotel meglio confrontare molti prezzi, così come per individuare il volo più economico o il miglior ristorante. A questa fine esistono moltissimi comparatori di prezzo per vacanze, che elenchiamo qui di seguito:

  • TripAdvisor: questo celebre portale di viaggi è ottimo per pianificare le vacanze poiché vanta la più grande comunità di viaggiatori, con oltre150 milioni di recensioni e opinioni su 3.7 milioni di alberghi, ristoranti e attrazioni. A volte ci sono offerte per effettuare prenotazioni con sconti fino al 25%.
  • Booking.com: è senza dubbio il leader mondiale nelle prenotazioni alberghiereonline. Oltre 30 milioni di persone visitano ogni mese questo portale e prenotano il loro hotel. Il portale è disponibile in 41 lingue e confronta più di 105.000 hotel in 92 paesi.
  • Govolo e Opodo: se cercate un pacchetto vacanza consultate queste agenzie di viaggi specializzate nella vendita di biglietti aerei, soggiorni, pacchetti trasporto + hotel, hotel, offerte lusso, etc. Includono più di 1 milione di tariffe speciali per 50mila hotel e 500 compagnie aeree.
  • SkyScanner, Kayak e Volagratis: Sono i tre motori di ricerca di voli più utilizzati al mondo, e confrontano i in tempo reale le offerte di oltre 300 compagnie aeree low cost e di bandiera in pochi e semplici click. Consentono di identificare i voli più convenienti tanto per una data determinata come per lintero mese, offrendo la possibilità al viaggiatore di scegliere la data di viaggio in funzione dei prezzi degli aerei.
  • Crociere Online: si tratta del più grande comparatore di crociere e traghetti, offrendo allutenza non solo la possibilità di trovare la crociera più conveniente, ma anche un servizio completo di prenotazione direttamente da casa e ricezione del biglietto a domicilio, accettando come metodo di pagamento la carta di credito o il bonifico bancario.
  • 2Spaghi.it: Se il vostro viaggio è in Italia, oltre a Tripadvisor per confrontare i prezzi e menù dei ristoranti cè questo portale, con recensioni su oltre 2500 ristoranti in tutto lo Stivale, e consentendo inoltre di prenotare online il proprio tavolo gratis e usufruire di sconti fino al 70% presso le strutture partner, così come molte promozioni esclusive.
  • HappyCow.net: Infine, non ci dimentichiamo di tutti i vegani e vegetariani italiani, che possono trovare molto utile questo portale, poiché consente di identificare tutti i ristoranti, negozi e perfino bed&breakfast adatti a chi ha fatto la scelta veg. Con migliaia di recensioni, questo sito incorpora una mappa dove è possibile geolocalizzare tutte le strutture vegane e vegetariane del globo.

RISPARMIARE A CASA, E GODERSI LE VACANZE. E possibile anche tagliare le spese per la casa, per avere una maggior liquidità da spendere un pochino più spensieratamente durante le prossime vacanze. Ad esempio, con una buona offerta energia elettrica come queste del mercato libero, una famiglia può tagliare fino a 136 euro/anno, che si aggiungerebbero ad altri 125 euro che si possono pagare di meno ogni anno sulle bollette del gas con queste tariffe. Evitando di pagare i circa 18 euro mensili del canone telefonico con una tariffa ADSL e voce come queste si risparmia ancora di più, mentre la spesa per il conto corrente si può addirittura azzerare con un conto online.


Instant Term Life Insurance Quotes – Compare – Save – 100% Online, term life insurance low cost. #Term #life #insurance #low #cost


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Car Insurance Calculator, cost of car insurance. #Cost #of #car #insurance


Car Insurance Calculator

By Kevin Pratt on Tuesday 09 January 2018

In this Article

Ever wondered why everyone pays a different premium for their car insurance? It’s because the amount you are charged for cover is based on a statistical assessment of how much of a risk you pose.

The higher the risk of having your vehicle stolen or being involved in an accident, then the more likely it is your insurer will have to pay out for a claim. Someone with a very expensive or powerful car, for example, will generally pay more than somebody with a cheaper or less powerful car.

Similarly, someone with 20 years of driving experience will tend to pay less than someone who’s just removed their L plates because, statistically, an experienced driver poses a lower risk.

But then these are only rules of thumb, and insurers take several other factors into consideration when setting your motor insurance premiums. So here at MoneySuperMarket, we regularly crunch the numbers behind millions of car insurance quotes to analyse market trends and help you get a solid estimate on your premiums.

What is the cost of car insurance?

According to MoneySuperMarket data (September 2017), the average cost of an annual fully comprehensive car insurance policy is £579. This is an increase of 7% in a year, meaning you will now pay £40 more than a year ago. When you compare this to two years ago, the change is even more significant: the average cost in September 2015 was just £501 and prices have jumped 15.6% (£76) since then.

MoneySuperMarket’s car insurance data monitor analyses the impact of age, gender and location on car insurance premiums to find out how much of a risk different groups are considered to be in an insurer’s viewpoint.

Why are age and location important when calculating car insurance?

Age and location tend to be among the most influential factors when it comes to calculating car insurance quotes.

Age is a big factor for motor insurance premiums, as older drivers are seen by insurers to be less likely to be involved in accident. Generally speaking, this is because older drivers tend to have more experience behind the wheel, whereas younger drivers tend to have less experience. In fact, younger drivers (17-24) make up 25% of claims involving accidents.

Those living in areas with higher crime rates also tend to pay more for cover. If your postcode is in a high-crime area, insurers will inflate your premiums to account for the added risk of your vehicle being vandalised, damaged or stolen.

How to bring down the cost of car insurance

Bear in mind that our car insurance calculator only gives you the average price you can expect to pay. In reality, your premiums could be higher or lower. If they are higher, there are some steps you can take to help bring the cost down.

1. Opting for a lower level of cover is not often the best way: Since many young drivers opt for third party only cover, the premiums for this type have increased significantly. Therefore, it may be cheaper and definitely more cost effective to buy fully comprehensive cover. Read more about car insurance policy types.

2. Pay a higher voluntary excess: Doing so typically earns you a lower premium as the insurer will be left with a smaller bill. However, you must not set your excess at a higher level than you can actually afford, because you will have to pay it in the event of a claim.

3. Improve your car’s security: Keeping your car parked in a well-lit area or in a driveway overnight and installing insurer-approved security equipment – such as immobilisers or steering wheel locks – reduces the chances of it falling prey to thieves, and insurers should reflect this in their car insurance quotes.

4. Build your no claims discount: For every year you drive without making a claim you can build up a discount when it comes to renewing your car insurance policy. The range of discounts offered are shown in the table below.


In vacanza con i punti Fragola: i viaggi low cost offerti dai supermercati – Il Sole 24 Ore, pacchetti vacanze low cost italia. #Pacchetti #vacanze #low #cost #italia


Pacchetti vacanze low cost italia

Dalla fila in cassa alle crociere nel Mediterraneo. Come? Questione di poche settimane, un carrello pieno e l’0cchio fisso sugli ultimi sconti pubblicati fra le brochure e portali online. Le principali catene di supermercati si fanno gara (anche) sulle offerte di pacchetti di vacanza low cost, quasi sempre ancorati ad abbonamenti, carte fedeltà e raccolte punti. Si va dai soggiorni italiani per i possessori della carta Fidaty di Esselunga al «servizio viaggi» messo in piedi da Lidl, per arrivare ai programmi analoghi di gruppi come Auchan ed Eurospin. I prezzi? Punti a parte, l’asticella oscilla da minimi di circa 50 euro per i soggiorni più brevi a picchi di oltre 600 a seconda di permanenza e meta di destinazione. Il quadro, ovviamente, cambia a seconda della stagione. Se in alta stagione si sfiorano i 1000 euro per una vacanza in Sardegna, basta pazientare fino a ottobre per dimezzare i costi.

Dalla fila in cassa alle crociere nel Mediterraneo. Come? Questione di poche settimane, un carrello pieno e l’0cchio fisso sugli ultimi sconti pubblicati fra le brochure e portali online. Le principali catene di supermercati si fanno gara (anche) sulle offerte di pacchetti di vacanza low cost, quasi sempre ancorati ad abbonamenti, carte fedeltà e raccolte punti. Si va dai soggiorni italiani per i possessori della carta Fidaty di Esselunga al «servizio viaggi» messo in piedi da Lidl, per arrivare ai programmi analoghi di gruppi come Auchan ed Eurospin. I prezzi? Punti a parte, l’asticella oscilla da minimi di circa 50 euro per i soggiorni più brevi a picchi di oltre 600 a seconda di permanenza e meta di destinazione. Il quadro, ovviamente, cambia a seconda della stagione. Se in alta stagione si sfiorano i 1000 euro per una vacanza in Sardegna, basta pazientare fino a ottobre per dimezzare i costi.

Come funzionano, dove si trovano

Le vacanze “offerte” dalle catene di supermercati sono, in realtà, dei pacchetti turistici a tutti gli effetti, gestiti e organizzati da società esterne. Il costo finale viene ridotto come premio per i clienti più affezionati, iscritti a una delle varie promozioni lanciate dalle catene. Ad esempio Esselunga riserva ai titolari delle carte Fidaty il suo Servizio viaggi , una piattaforma specializzata nella prenotazione diretta delle vacanze. Mentre scriviamo questo articolo sono disponibili soggiorni di sette notti in Sardegna a meno di 160 euro, weekend in agriturismo del Veneto a meno di 100 euro o, salendo di costo, una o due settimane all’Isola d’Elba dai 400 euro in poi. Lidl Viaggi, il servizio promosso dall’omonima catena tedesca, è aperto anche ai clienti “estranei” ai suoi supermercati.

In questo caso basta cliccare sulsito della divisione e scegliere fra le mete selezionate dall’azienda, giocando magari di anticipo: per chi prenota entro una carta data sono previste agevolazioni di almeno il 10%, per pacchetti che si spingono a fatica sopra i 100-150 euro. L’offerta è simile a quello di AVacanze, una piattaforma targata dal colosso francese della Gdo Auchan. Ai clienti della catena basta collegarsi al sito ufficiale AVacanze e valutare pacchetti che includono prenotazione dell’albergo, viaggi di andata e ritorno e noleggio (eventuale) dell’auto. Chi è alla ricerca di sconti robusti può dare un occhio anche al catalogo di Eurospin viagg i, con destinazioni che spaziano dalla Scandinavia all’Africa sub-sahariana.

Il pagamento, in genere, viene eseguito del tutto online. Al momento della prenotazione basta cliccare sulla meta desiderata e versare la cifra con bonifico diretto o carta di credito. Alcune catene, come Eurospin, hanno lanciato anche delle app per pianificare tutto il viaggio con pochi clic (ed essere aggiornati sulle ultime offerte). Se si ha bisogno di assistenza fisica, comunque, si può fare un salto direttamente al supermercato o nelle agenzie fisiche aperte per accogliere i clienti.

Chi li gestisce?

Come scritto sopra, l’organizzazione del viaggio è curata da agenzie esterne, chiamate a offrire un servizio fisso: una prenotazione «chiavi in mano», senza costi di intermediazione e rivolta spesso – ma non sempre – ai clienti più fedeli. Ad esempio i viaggi di Esselunga ed Auchan sono gestiti da Eurotours Italia, costola nazionale dell’austriaca Eurotours international . I viaggi di Lidl sono veicolati dalla altoatesina Ignas Tours , di casa a Egna (Bolzano), mentre quelli di Eurospin sono in mano a Eurospin New Business.


Compare Cheap Car Insurance Quotes, cost of car insurance. #Cost #of #car #insurance


Car Insurance

Save up to £273 on your car insurance*

*51% of customers could save up to £273.83 Consumer Intelligence, November 2017

Cost of car insurance

Insure your car with Admiral and get £30 cashback

If you take out car insurance with Admiral through MoneySuperMarket between 14 January and 4 February 2018, you’ll be eligible to receive £30 cashback.

The offer will be paid on new policies only and is not available on renewals if you already have car insurance with Admiral Group, which includes the Diamond, Elephant and Bell brands.

You have to hold the policy for a minimum 14 days, and the cashback will be sent to you within 90 days of your policy’s start date. For more information and full T Cs click here

COMPARE CAR INSURANCE

How to get a car insurance quote

To get an accurate quote you will need to provide certain details about your car, including:

  • Registration number
  • Make and model
  • Age and value
  • Any modifications made

This information allows us to understand which insurance group your car belongs to, in order to complete the insurance quote. You can find out which group your car belongs to using this tool.

Information about you

You will also need to include information about your job, age, and where you live, along with details of your driving history (including any convictions and claims).

Named drivers

The names and licence details of anyone who will be driving your car need to be provided.

No Claims Discount (NCD) history

Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

Cost of car insurance

Cost of car insurance

How to reduce the cost of car insurance

MoneySuperMarket data shows the average quoted premium for an annual fully comprehensive car insurance policy is £579 (September 2017), up 7.5% on the previous year. This increase in premiums makes it more important than ever to compare the best car insurance prices.

Here are our top tips on how to reduce your premiums:

Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £273 on their annual premium*.

Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

Build a no claims discount: Most insurers reward drivers for claims-free driving.

*51% of customers could save up to £273.83 Consumer Intelligence, November 2017

What do our customers think of us?

Customer satisfaction rating

**Based on 5500 reviews in the last 12 months – Read all reviews

What types of car insurance policy are available?

Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

Third Party Fire and Theft

With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

Comprehensive Cover

Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

Our dedicated guides will help you work out which type of cover is right for you and your motor.

How can we help you save on your car insurance?

It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 120 car insurance brands so they can compete for your business.

We rank the quotes they offer in price order so you can make your selection.

“I got a very good quote for car insurance from MoneySuperMarket.”

“Saved over £300 on my car insurance renewal quote.”

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CAR INSURANCE GUIDES

Classic car insurance

Compare classic car insurance quotes online

Student car insurance

Study our student car insurance service

New driver insurance

Get a good deal on your first car insurance policy

European car insurance

Find a policy that covers driving on the continent

Teenage driver cover

Get a good price on teenage car insurance policies

Car insurance guide

MoneySuperMarket s definitive car insurance guide

Multi-car

A single insurance policy to cover several cars

Temporary car insurance

Get covered for periods shorter than 12 months

Car insurance check

Find out if your current motor insurance policy is valid

Third party only

Compare cheap third party insurance quotes

Young driver insurance

Fight back against expensive young drivers insurance

Business car insurance

Get a specialist Business car insurance policy

Car insurance groups

Find out why the type of car you choose affects the cost of car insurance

Learner driver insurance

Will you need to pay for learner driver insurance on top of tuition fees

Fully comprehensive cover

Find out why the most complete level of cover isn t always the most expensive option.

Excess insurance

Insuring against high excess costs could save you money if you ever have to claim.

Gap insurance

If you re buying a new car, it s well worth considering gap insurance.

Named driver insurance

How adding a named driver can lower the cost of car insurance.

MOTORING NEWS

Fancy a driverless car

Are we ready for the motoring revolution

What is car insurance fraud

And could you be at risk

YOU YOUR CAR

Taking care of your tyres

Tips to ensure your tyres are up to scratch

Beat car depreciation

Selling your car Here s how to get the best price

STREETWISE

Do you know your road signs

Take our quiz to find out

Caravan or motorhome

All you need to know about insurance

We’re 100% independent: working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer great value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find great value products and services for you. That’s what makes us – in our customers’ opinions – the best price comparison website.

Level of service

We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.


California s Low Cost Auto Insurance Program, california low cost automobile insurance program.

#California #low #cost #automobile #insurance #program


California’s Low Cost Auto Insurance Program

Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

About California’s Low Cost Automobile Insurance Program

California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

CLCA important links:

  • Reports to the Legislature and Consumer Education and Outreach Plans
  • CLCA Tip Card (PDF)
  • Cost of CLCA Insurance Rates Sheet by County 201 7
  • Cost of CLCA Optional Rates Sheet 201 7
  • Good Driver Definition (PDF)
  • Applicant Income Eligibility Requirement (PDF)
  • Request CLCA Tip Cards to be mailed to your organization.
  • Invite CEOB to your outreach event or meeting!
  • If you have a question about the CLCA program, send us an e-mail!

Contact Us:

The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

Consumer Education and Outreach Bureau

300 S. Spring Street, South Tower

Los Angeles, CA 90013

Toll free (877) 401-9550

The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).


California s Low Cost Auto Insurance Program, low cost automobile insurance program.

#Low #cost #automobile #insurance #program



California’s Low Cost Auto Insurance Program

Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

About California’s Low Cost Automobile Insurance Program

California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

CLCA important links:

  • Reports to the Legislature and Consumer Education and Outreach Plans
  • CLCA Tip Card (PDF)
  • Cost of CLCA Insurance Rates Sheet by County 201 7
  • Cost of CLCA Optional Rates Sheet 201 7
  • Good Driver Definition (PDF)
  • Applicant Income Eligibility Requirement (PDF)
  • Request CLCA Tip Cards to be mailed to your organization.
  • Invite CEOB to your outreach event or meeting!
  • If you have a question about the CLCA program, send us an e-mail!

Contact Us:

The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

Consumer Education and Outreach Bureau

300 S. Spring Street, South Tower

Los Angeles, CA 90013

Toll free (877) 401-9550

The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).



Car Insurance Calculator, how much does car insurance cost.

#How #much #does #car #insurance #cost



Car Insurance Calculator

By Kevin Pratt on Tuesday 09 January 2018

In this Article

Ever wondered why everyone pays a different premium for their car insurance? It’s because the amount you are charged for cover is based on a statistical assessment of how much of a risk you pose.

The higher the risk of having your vehicle stolen or being involved in an accident, then the more likely it is your insurer will have to pay out for a claim. Someone with a very expensive or powerful car, for example, will generally pay more than somebody with a cheaper or less powerful car.

Similarly, someone with 20 years of driving experience will tend to pay less than someone who’s just removed their L plates because, statistically, an experienced driver poses a lower risk.

But then these are only rules of thumb, and insurers take several other factors into consideration when setting your motor insurance premiums. So here at MoneySuperMarket, we regularly crunch the numbers behind millions of car insurance quotes to analyse market trends and help you get a solid estimate on your premiums.

What is the cost of car insurance?

According to MoneySuperMarket data (September 2017), the average cost of an annual fully comprehensive car insurance policy is £579. This is an increase of 7% in a year, meaning you will now pay £40 more than a year ago. When you compare this to two years ago, the change is even more significant: the average cost in September 2015 was just £501 and prices have jumped 15.6% (£76) since then.

MoneySuperMarket’s car insurance data monitor analyses the impact of age, gender and location on car insurance premiums to find out how much of a risk different groups are considered to be in an insurer’s viewpoint.

Why are age and location important when calculating car insurance?

Age and location tend to be among the most influential factors when it comes to calculating car insurance quotes.

Age is a big factor for motor insurance premiums, as older drivers are seen by insurers to be less likely to be involved in accident. Generally speaking, this is because older drivers tend to have more experience behind the wheel, whereas younger drivers tend to have less experience. In fact, younger drivers (17-24) make up 25% of claims involving accidents.

Those living in areas with higher crime rates also tend to pay more for cover. If your postcode is in a high-crime area, insurers will inflate your premiums to account for the added risk of your vehicle being vandalised, damaged or stolen.

How to bring down the cost of car insurance

Bear in mind that our car insurance calculator only gives you the average price you can expect to pay. In reality, your premiums could be higher or lower. If they are higher, there are some steps you can take to help bring the cost down.

1. Opting for a lower level of cover is not often the best way: Since many young drivers opt for third party only cover, the premiums for this type have increased significantly. Therefore, it may be cheaper and definitely more cost effective to buy fully comprehensive cover. Read more about car insurance policy types.

2. Pay a higher voluntary excess: Doing so typically earns you a lower premium as the insurer will be left with a smaller bill. However, you must not set your excess at a higher level than you can actually afford, because you will have to pay it in the event of a claim.

3. Improve your car’s security: Keeping your car parked in a well-lit area or in a driveway overnight and installing insurer-approved security equipment – such as immobilisers or steering wheel locks – reduces the chances of it falling prey to thieves, and insurers should reflect this in their car insurance quotes.

4. Build your no claims discount: For every year you drive without making a claim you can build up a discount when it comes to renewing your car insurance policy. The range of discounts offered are shown in the table below.



How to Find Low Interest Rate Student Loans, SimpleTuition, low cost loans.#Low #cost #loans


Low-Interest Student Loans

Low cost loansMany families look for low-interest student loans. These are the loan products that will allow students to get the education they ll need in order to compete in the workforce, but loans like this won t come with the high price tags that can keep some families out of the loan market altogether.

Examples of Federal Low-Rate Student Loans

The lowest student loan rates come with products that have been developed and released by the U.S. Department of Education. These federally funded loans are designed to help all American students attend school, even if their families find it difficult or impossible to pick up the tab for tuition and supplies. There are two types of loans that the Department offers that are traditionally considered low-interest products: Direct Subsidized Loans and Perkins Loans. Direct Subsidized Loans are designed for undergraduate students who are attending a reputable school at least half-time. These students must demonstrate their inability to cover the cost of school, and they must meet specific eligibility requirements concerning citizenship and criminal background, but these loans provide benefits that could make the hassle of the application process more than worthwhile. In 2017-2018, Direct Subsidized Loans come with a 4.45% interest rate, according to the U.S. Department of Education, which is much lower than the rate used in the private marketplace. In addition to the low rate, students who get loans like this aren t responsible for interest payments during their time in school. Governmental sources cover those costs. That could help students to save a significant amount of money during the life of the loan.

Typically, when students obtain a loan, they defer their interest payments while they re in school. This allows them to focus on their education and their courses, rather than getting jobs and paying bills, but all of those interest bills pile up during the time in which students are in school. When these students graduate, some companies wrap the interest owed into the principal amount the student owes, and that bigger amount is used as the base the interest fees are applied to. It s a bit like paying fees on top of fees, and it can make a loan immensely expensive. Direct Subsidized Loans just don t work this way.

Perkins Loans are also considered low-interest loans, as these products also cover a student s interest fees while that student is in college. These loans also come with a low overall rate of 5%. But these loans are somewhat difficult to get, as students who want these loans must demonstrate:

  • Exceptional financial need
  • Enrollment in a participating school
  • At least part-time enrollment
  • Low levels of prior borrowing, as there are caps on the amount a student can borrow

In addition, some facilities that want to participate in the Perkins Loan program are unable to do so. For example, news reports indicates that Delaware State University lost the ability to issue new Perkins Loans because too many prior students had defaulted on these loans. Restrictions like this could mean some students can t get Perkins Loans, because their schools can t accept the funding.

Low cost loans

Private Student Loans With Low Interest

Few private loans come with the same kind of perks seen in the federal marketplace. It s rare to see private loan officers cover interest payments, for example. Lenders might also be a little less willing to work on unusual payment programs for students in financial distress. It s just not the sort of thing a private bank can do and still stay in business. But there are some private lenders who do offer loan products with attractive and low interest rates.

Products like this are designed for students who have excellent credit scores and/or a cosigner who has a great credit score. These students are considered ideal borrowers, as it s unlikely that they ll walk away from their responsibilities without paying.

The banks tend to reward this behavior, and compete for the business these students can offer, by offering competitive loans with low rates. Students that don t have excellent credit scores, and who don t have relatives who might be willing to share their excellent credit scores, might not be eligible for these low-rate loans. The banks consider loans to people like this a little risky, as it might be easy for a person to just walk away from the loan without paying. It might also be hard for people of low income levels to pay their loans back, even though they might want to do so. Banks must account for these risks, and they do so by increasing the interest rate.

Things to Watch For

Low cost loansLow-interest student loans can seem a little too good to be true, and in some cases, a little skepticism is reasonable, as some of these loans come with clauses that could make a low-interest loan a very expensive loan.

For example, students who have federal loans sign up for products with fixed interest rates. This means that the amount of interest charged on these loans shouldn t jump around from day to day or year to year. However, an analysis published by MainStreet suggests that this fixed rate can disappear when students fall behind on their loan payments, and if these students extend the life of the loan by making smaller payments over a longer period of time, they could be spending a significant amount of money. In fact, experts quoted by MainStreet suggest that it s impossible for these students to know how much the loan will actually cost at the end of the repayment program if they fall behind and extend. Students who keep up with their payments may never have to deal with this problem, of course, but it s something that all students should keep in mind when they accept federal loans.

Private loans may not have fixed rates at all, meaning that students might sign up for these loans during a time in which money is relatively easy to get and cheap to borrow, and then when they need to repay those loans, they may see their interest rates climb as the stock market climate changes. Students like this could refinance, of course, but a moving interest rate is the catch involved in some low-interest rate loans.

Some private loans also come with clauses that allow the bank to charge fees if a student pays off the balance of the loan early. These clauses are designed to allow the bank to recoup the entire amount of money owed in interest, and often the interest rate on a loan like this is low enough that a student wouldn t be bothered to pay off the loan early. But it s still a clause students should watch for before they sign.

But many low-rate loans come with no sneaky clauses or catches at all. They re designed to help students pay for school, and that s just what they do. But students can ensure that the overall cost of the loan stays low by:



Pensioner Loans – Low Income Loans Australia, low cost loans.#Low #cost #loans


Pensioner Loans

As a pensioner you may find it difficult to qualify for a loan from the banks. A big obstacle that most many pensioners face is being on a fixed income that really only covers living expenses with little left over. Banks and other large lenders tend to view this as a negative in their approval criteria among other things. Whilst the banks may not be a great option for obtaining financial help, there are other flexible options.

If you have struggled with debt and have late repayments in your financial history, your credit rating would reflect this. Being considered a bad credit risk can eliminate you from consideration for certain types of loans. Fortunately, there are still financial programs listed below that can provide assistance.

As with any type of loan, you will need to provide your personal and financial details along with income sources.

Compare Pensioner Loan Options

When reviewing any type of loan it is important to do your due diligence. Entering into a loan under poor terms can make your financial situation worse. Below are some tips on how to avoid engaging with un-reputable lenders.

  • Always check online reviews
  • Always search for online complaints
  • Use comparison sites but be wary, many of these sites only promote lenders that advertise with them. They may not disclose the actual best loans for pensioners.
  • Verify the lenders are appropriately licenced, this can be done with a quick search on ASIC

Following the above tips will help keep you falling victim to scams or predatory lenders.

Quick view – See loan and benefit options for specific circumstances here.

Below are multiple loan and money assistance programs for those on a pension

Specialist Lender: Seniors often have issues qualifying for work if they don t have a source of income outside of benefits or a pension. This is where a specialist lender may be a good option. They provide loans from $1000 to $5000 and generally have flexible approval criteria, even helping those with bad credit Learn more and apply here.

StepUp: The StepUp loans are low value loans that range from the high hundreds to the low thousands and are short term, fixed rate and low interest options ideal for a number of situations. Be it a sudden medical bill, crucial household repair or even if you’re just running a bit short this month, these small value loans, if paid back on schedule, can just the boost you need to help make that small emergency a thing of the past.

No Interest Loan Schemes: Commonly known as NILS; these are specialised loan schemes that are suited to anyone who requires financial help that serves to only improve the situation without any long term drawbacks. Since only those who receive government welfare are eligible for NILS, they are assured to be ideal for pensioners. All NILS applicants must possess a Centrelink pension card, which allows you to borrow in excess of a thousand dollars with absolutely no interest. There is no catch. These can be utilised for any purpose from household refurbishing, to auto maintenance or medical emergencies. Any regional community centre should be able to help with applying for NILS. The only documentation required is proof that repayment within a year and a half is possible.

Advance payments: A special advantage that Centrelink provides Australian pensioners are the advance payments that one is entitled to. You can get an advance payment of either one week or three week’s pay. The amount must be returned within a six month period, interest free. In the six month period you are allowed the option of choosing one advance payment of the highest allowed amount or three separate payments of the lowest allowed amount.

Good Money: Is a three way partnership between Good Shepherd Microfinance, State Governments and NAB. They assist residents of Victoria access low or no interest personal loans for the purchase of household goods. In addition to loan assistance, they also can assist with medical expenses, bills, debt and other money matters.

Pensioner Loans Scheme: This particular loan is for seniors who are of pension age (64+ for women 65+ for men) but don’t qualify for the Age Pension because of high incomes or asset value. This scheme allows you to obtain capital tied up in your assets to provide you with extra income. For detailed information visit humanservices.gov.au

If you are experiencing serious financial stress and are not collecting Centrelink benefits, try using the Centrelink benefits calculators to see if you qualify for some financial assistance. If you are already collecting Centrelink, try using the compare calculator or estimator to see if there is additional pensioner assistance you may qualify for.

Banks: Most of the banks in Australia do provide loans to pensioners. Applying through your bank may prove your best chances of approval as you already have a relationship with them. As with any lender, each application is looked at on a case by case basis. In addition, some banks may require your pension income be taxable to be accepted and if you are collecting benefits, a letter from Centrelink detailing your payments may be required.

Charities: If none of these options are what you are looking for, there are always a number of charitable foundations that might be willing to help out pensioners. Assistance in the form of money for utilities, sustenance and shelter are available from a number of organisations like the Salvation Army, etc. You can visit Australian Charities and Non-profits Commission for a list of all major charities that provide support for pensioners.

If non of the above options are unable to assist you with your financial situation, try reaching out to a free financial counselor at http://www.financialcounsellingaustralia.org.au/Home as they may have alternative solutions to your financial needs.

AddsUP: Is a program which is an extension of the NILS and StepUp programs. Its essentially a savings program where there is a matched savings from AddsUP, they will match each dollar you put into the savings after you have saved $300 on your own, the matching is capped at $500. This is a great program as it helps participants create a emergency fund which an give them a bit of peace of mind and cash for unexpected financial emergencies.

Saver Plus: Similar to AddsUP, this is a savings program for low income earners and their families. It also is a dollar for dollar matching program that is capped at $500.

These different programs are excellent options for seniors looking to take out a pensioner loan as they are low cost and specifically designed for those on a fixed or low income.



Cheapest Interest Rate Home Loans Online Mortgage Quotes, low cost loans.#Low #cost #loans


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Low cost loans

We Specialize in low rate lending across the united states. Lowest Interest rates online!

To begin the process please fill out the form to the right.

Low cost loans

About Five Star Mortgages

Low cost loans Are you ready to start scouring the market and searching for your dream home? Or, perhaps you are going to have your dream home built so it will have all of the features you have always wanted. Regardless of your situation, finding your dream home is half the battle. After all, once you have found the perfect place to buy, you need to determine how you are going to pay for that beautiful home!

With the help of FiveStarHomeMortgage which is conveniently located in New Jersey, the process of finding the right lender is made much simpler! Our professionals in our new jersey offices specialize in helping people just like you find the right type of mortgage loan to suit their needs. In addition, our goal is always to find the right program and the right lender to help you save money on your home purchase.

Mortgage Guide

With ARM loans, the amount of interest you pay will change according to the prime rate. This means your monthly payment will increase or decrease when the prime rate changes. The fixed interest loans, on the other hand, interest rate on these loans stays the same throughout the lifetime of the loan, which generally lasts anywhere from 15 to 30 years. The interest rate you receive is determined by your credit score as well as other factors taken into consideration at the time of the loan.

Bailout loans help you avoid foreclosure if you haven’t been able to pay your mortgage for 120 days, you can talk to your agency more about these type of issues. If you are building your home, on the other hand, a construction mortgage will allow you to access portions of your loan throughout the building process so you can keep your contractors paid. Rehab mortgages, on the other hand, are loans that are used to help purchase a “fixer upper” and also provide money to help with making the necessary repairs.

Low cost loans FHA and VA loans help veterans, people with disabilities, and people with low incomes acquire a home with mortgage terms they can afford. You can also save money in the beginning with interest only loans. With these loans, your monthly payment is applied only toward the interest. If you send more money, it is applied toward the principle and helps increase your equity. Rates on these loans are adjustable, which means your monthly payment can increase or decrease throughout the lifetime of the loan. The same is true with low down payment loans. These loans allow you to purchase a home even if you do not have the standard 20% down payment. Lenders will require PMI, which is an additional expense added to your monthly payment, when approving one of these loans.

If you have your own business, you might want a self-employment loan. These loans are used by people that are self-employed and may have difficulty with proving a steady income. No doc loans are also good for business owners as well as others with special circumstances. These loans require little documentation, which means you do not have to prove your income or the amount of debt you are currently carrying. Rates on these loans tend to be higher than standard mortgage loans.

If you are purchasing a home that is quite expensive, you might get a jumbo loan. These loans are given to homebuyers that are purchasing homes that are over $417,000. Similarly, if you need to get your hands on some more money, you might choose to refinance or to get an equity loan. These loans are used to access equity built in the home or to refinance the home in order to take advantage of better terms.

Whether you own a business, have perfect/excellent, good, fair, or poor credit or are looking to fix up a home that is need of repair, FiveStarHomeMortgage can help you find the loan that best suits your needs. Our professionals will work closely with you in order to find the type of loan and the lender that helps you get the loan you need so you can finally purchase the home of your dreams. Contact us today to learn more about how we can help!

Copyright 2009-2010 Five Star. All Rights Reserved.



Cost of a Payday Loan – Consumer Information and Prices Paid. #car #note #calculator


#cheap payday loans
#

How Much Does a Payday Loan Cost?

Annual Percentage Rate: 300%-500%+

Also called a paycheck advance, a payday loan lets an employed person borrow a relatively small amount of cash for a short period of time (typically two weeks), to cover expenses until the next payday. The Federal Trade Commission has issued a consumer alert[1 ] calling payday loans “very costly cash” and suggesting alternatives.

Typical costs:

  • Amounts borrowed vary from $100-$1,500, but most payday loans are for $100-$500. Fees are typically $15-$30 per $100 borrowed (or 15%-30%, if the payday loan company charges interest rather than flat fees).
  • For example, to borrow $300 with a fee of $15 per $100, the borrower writes a personal check for $345 (the amount of the loan plus the fee) and receives $300 in cash. The payday lender holds the check until an agreed-upon date, typically up to two weeks. On that date either the borrower gives the lender $345 in cash and gets the personal check back, or the lender deposits the check its checking account and the money is taken out of the borrower’s checking account. In some cases the money is transferred electronically by the lender, rather than depositing a paper check. Whichever way it’s done, the loan and fee are paid in full.
  • However, a borrower who isn’t able to repay the entire amount of loan and fee can choose to pay another $45 fee to “roll over” the personal check for an additional two weeks. If it’s difficult to pay off the entire loan, fees for extending the loan every two weeks add up quickly.
  • Because state laws vary, payday lending fees are different in each state. For example, Check Into Cash charges $10 per $100 borrowed in Oregon; $17.50 per $100 in California and Alabama; $20 in Colorado; $24 in Nevada; and $30 per $100 in Delaware.

What should be included:

  • Payday loans are fast (typically approved in one or a few hours, and almost all go through within 24 hours) and relatively easy to obtain. No credit check or collateral is required, and the loan amounts are usually far smaller than those typically available through banks, credit unions or other lenders. Usually the borrower needs to show a photo ID and proof of employment or income (pay stubs and/or bank statements), and must have a personal checking account. Payday lenders rarely turn down an applicant who a job, ID and checking account.
  • Many payday lenders offer loans online, 24 hours a day, with supporting documents faxed to the lending company. The loan amount is transferred by a direct deposit into the borrower’s checking account and on the due date the loan and fee amount are withdrawn electronically.
  • Payday loans are for such short periods of time that many borrowers are not able to repay the debt and must roll it forward. Annual percentage rates on these loans work out to 300%-500% or more, and payday loans can be a short-term solution to what may be long-term financial problems, Consumer advocates allege that a few payday loan companies have used unscrupulous, unethical and even illegal means to collect unpaid loan amounts.
  • The Center for Responsible Lending charges that payday loans lock borrowers into a debt trap[2 ]. The center provides an example[3 ] of a consumer who borrows $300 with a $50 fee and rolls the loan forward nine times (the average per year per borrower), paying $450 in fees while still owing the original $300 loan amount. However, the Community Financial Services Association, a trade organization that represents the interests of the payday lending companies, asserts that such charges are myths.
  • Payday loans or paycheck advances are illegal in some states, and other states limit the maximum loan amount. Credit.com summarizes payday loan regulations[4 ] by state.

Related Costs: Line of Credit. Credit Card. Credit Report

Additional costs:

  • If a borrower doesn’t have enough money in his or her checking account when the lender deposits the personal check, the borrower will be charged bounced check fees (typically $20-$40 per check) by the bank and by the payday lending company.

Shopping for a payday loan:

  • Payday loan and paycheck advance companies advertise heavily in all media — radio, television and online. If a payday loan appears to be the best way to cope with unexpected expenses, Community Financial Services Association of America[5 ]. the payday lending organization, suggests choosing a lender who follows its code of best lending practices[6 ] .
  • The Consumer Federation of America offers consumer help[7 ]. suggesting ways to cope with a cash-flow gap[8 ] without borrowing.

What People Are Paying – Recent Comments

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UK Loans – Low Cost Loans Online #personal #loan #companies


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Compare UK Loans Available Today

  • Loans UK

Loan deals matching your requirements, available now.

  • Loans For Any Purpose
    Find a loan that matches your need for borrowing.
    • No Obligation To Accept

      You may decline the loan quote you receive with no risk. 100% Secure And Confidential

      We are registered under the Data Protection Act 1998.

    Low cost loan deals that come with no obligation. Apply online now!

    We never ask or charge any loan processing fee. Beware: Don’t lose your money: it’s SCAM if anyone asks you for loan fee or instalment by Ukash, cash u vouchers, Western Unions or credit card.

    Our TYPICAL APR is 13.8% (variable). This means 66% of our customers get their secured loan at this rate or better.

    Unsecured loans are available from Ј1,000 to Ј25,000.

    Representative 12.6% APR variable.

    Representative Example: If you borrow Ј11,000 over 6 years at an annual rate of 8.9% (variable) you will repay Ј230.63 per month & total amount payable Ј16,605.36.

    Gopher Money are a credit broker, a broker fee of up to 12.5% will be added to secured loans.

    Loans may be secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayment on a mortgage or any other debts secured on it.

    If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

    Loans can be taken out for a variety of reasons and comparing the market is an efficient way to borrow, obtaining a suitable loan can give you the the financial help you require and the monthly repayments could be smaller than expected. Debt consolidation loans are the most common form of borrowing however you can get a loan for any purpose. Lenders offering online loans may include clauses which could increase the cost of borrowing and turn the deal in to a very expensive option, we compare reputable UK loan lenders to ensure you get a fair deal.

    Our aim is to cater for your financial needs, it does not matter whether you have a good or bad credit history, if you need to borrow money then let us help you find a loan offer that is suited to your personal circumstances. It’s easy, fast, risk-free and you’re under no obligation to accept at any point in the process.

    Loans for any purpose come as either unsecured loans or secured loans, the former is a popular choice for people who are looking for smaller loans, for example between Ј1000 and Ј15000, many borrowers prefer to use a loan for debt consolidation which reduces overall monthly repayments and makes your finances easier to organise, debt consolidation loans enable you to pay off multiple small existing debts and potentially lower the average interest rate on your finance. Unsecured loans are also popular with tenants who do not have a property to use as security.

    Secured loans are financial products which work by securing the loan with an asset, commonly your house or any property with existing equity.

    Secured loans are popular with people who want to borrow money with a potentially lower interest rate, due to the size of the loan and the fact it is a guaranteed loan because of your house you will find UK lenders are more willing to lower the monthly repayments and allow you to borrow over a longer period of time such as 10 or 20 years.

    Complete the form above and start looking for a great loan deal, you will then receive a no obligation loan offer from a fully registered and compliant broker who can answer any questions you have.

    A debt consolidation loan will help lower your total monthly outgoings. Taking out a larger UK loan from a single lender means that you will be able to pay off all outstanding finance agreements with other lenders and concentrate solely on paying your new debt consolidation or secured homeowner loan off.

    a1-loansdirect.co.uk is a trading name of Gopher Money Limited. Company Registration: 04925788 | Gopher Money Ltd is a licensed credit brokerage authorised and regulated by the Financial Conduct Authority: 549562 Company Registration: 04925788 | Data Protection: Z1620786



    Low Cost Loans #loan #modification #programs


    #cheap loans for bad credit
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    Homeowner loans

    10,000 – 150,000

    THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

    Secured loans. Rates start from 7.3% APR. We also offer a range of products with rates up to 26% APR, which allows us to help people with a range of credit profiles. 15.3 APR typical variable.

    Unsecured loans. 49.9% APR Representative

    Find a low cost loan with Ocean

    If you’ve applied for loans on the high street and been rejected, you might be despairing at ever getting accepted for a low cost loan. Get your loan quote from Ocean today. Whether you need a loan to make some changes to you home, to make a big purchase, or even to consolidate your debts, we may be able to help. All quotes are no obligation and won’t affect your credit rating.

    You can borrow £10,000 to £150,000 over 5 to 25 years with a homeowner loan. or £2,000 to £5,000 over 2 to 4 years with a personal loan. Use our clever loan calculator to find out how much, approximately, your monthly repayments will be – simply enter a few details, such as how much you want to borrow, and how long for.

    How do I get a low interest rate on my loan?

    What determines a low interest rate at any given time will depend on the loans market and your personal circumstances. Generally, the interest rate will be affected by the current Bank of England base rate, the availability of credit in the market, and the demand for loans at any given time.

    Your individual circumstances play a big part in the rate you’re offered. A low cost loan for somebody with a perfect credit history is likely to be cheaper than a low cost loan for a borrower with a less than perfect credit history. Here at Ocean, we have specific loans to help people with different credit profiles, and have competitive low-cost loans for people with good and fair credit ratings.

    Ocean also have access to loans designed for people with a bad credit rating, who may find it more difficult obtaining a loan elsewhere. Even if you have a bad credit rating, we’ll do our best to find you a good deal.

    Why Ocean?

    Applying for a loan with Ocean is really quick and easy. Use our loan calculator to find out how much your monthly repayments might be, by simply giving us a few details – such as how much you’d like to borrow and how long for.

    • Borrow from £10,000 to £150,000
    • Our search won’t affect your credit rating
    • We treat everyone as an individual, no matter what your circumstances, and if we can help, we will – whether you’ve poor credit or are self-employed
    • No up-front fees

    15.3% APR typical variable. 2 out of 3 customers will receive this rate or lower. Ocean Finance arranges secured loans from a panel of lenders. Ocean will receive a commission from the lender upon completion. A fee of 12.5% of the net loan amount, capped at £2975, is payable upon completion. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

    Unsecured loans 49.9% APR Representative. Ocean is part of Intelligent Lending Limited. We are a broker for the Ocean personal loan. R Raphael & Sons Plc are the lender. We will not charge you for arranging your personal loan but, if your application completes, the lender will pay us for our services.

    Based on Feefo.com reviews – 99% of customers who left an Ocean Finance review recommend us with an average rating of 4.9 out of 5 from 469 reviews left by Ocean Finance customers (as of Nov, 2015)



    How a No Cost Refinance Loan Really Works #unsecured #loan #rates


    #no fee loans
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    How a No Cost Refinance Loan Really Works

    You may have seen ads for a “no cost refi” loan lately, a mortgage program that promises no fees or out-of-pocket expenses when you refinance your existing mortgage.

    While this type of offer is by no means a new concept, it’s definitely a subject worth visiting to ensure people understand what they’re getting when they choose a no cost refinance option.

    What Is a No Cost Refinance?

    A no cost refinance is essentially a loan transaction in which the lender or broker pays settlement costs, including typical lender fees such as processing and underwriting fees, the appraisal fee, and loan origination points. along with third party costs like title/escrow fees and so on.

    You may be asking yourself how banks and lenders make up for the absence of fees that normally must be paid during a refinance (or purchase) transaction.

    Well, assuming the lender actually pays your closings costs, doing so will bump up your interest rate, sometimes dramatically, in order to make up for the missing fees that are typically charged at closing.

    No Cost Loan  = Higher Mortgage Rate

    It s a simple trade pay nothing now, but pay more over the life of the loan in the form of a higher mortgage rate .

    For some borrowers, a no cost loan is a necessity because they don t have the required funds to pay all the fees at closing, but for others it s a decision that will need to be made during the loan process.

    Keep in mind that mortgage brokers can also set up a no cost loan for you, adjusting their yield-spread premium (commission) to the point where they make enough money to offset the fees associated with the loan.  *This is now accomplished by using a lender credit .

    Tip: The terms of no cost loans will vary by lender. Some programs may cover ALL closing costs, while others may still charge you for certain third-party fees such as appraisal/inspection, title, escrow, and even mortgage points !  Be sure to pay attention to what fees are and are not covered.

    For example, if a bank advertises a no lender fees loan, they will expect you to pay for third-party fees, along with property taxes, prepaid interest, and insurance.  Regardless, you can still attempt to negotiate a lower rate whether it s no cost or no fee.

    Let’s look at an example of a typical no cost refinance program:

    No cost refinance: 6.5% mortgage rate, NO fees.

    Standard refinance: 6% mortgage rate, $7,500 in fees.

    Imagine you’re able to qualify for a mortgage at an interest rate of 6% on a $500,000 loan, paying a point to the lender and another $2,500 in closing costs, totaling $7,500. While this may seem like a large upfront cost, the trade-off should be a lower interest rate.

    With a typical no cost mortgage, you’ll cruise through the process without paying a dime at closing, but you may end up with an interest rate of 6.5% or higher for the very same loan.

    Assuming you make the interest-only payment each month, you’ll pay an additional $200 a month, or roughly $2,400 more annually if you select the no cost option at an interest rate of 6.5%.

    As you can see, it s a case of pay less now, but a lot more over time.  You re basically financing the costs you didn t pay at closing, which will be more expensive in the long run.

    Is a No Cost Refinance a Good Idea?

    This is the point where you need to ask yourself what you plan to do with the property and the mortgage.

    If you’re planning on moving or upgrading to a more expensive home in just a few years, or if you’re the type who refinances often, paying upfront costs for a lower interest rate will probably be a losing endeavor. For you, a no cost loan may actually be a good choice.

    After all, there s no reason you should pay for a lower interest rate if you re only going to turn around and sell/refinance a few months/years later.  You ll never realize the savings!

    But if you plan to stay in the home for five or more years (or whenever the break-even point takes place), it would make sense to pay a little more upfront for future savings.  Why?  Well, that $200 discount each month might ease your budgeting woes in the future, and amount to some serious savings if you stick with the mortgage for the long haul.

    Remember, no cost loans aren’t inherently good or bad. They aren t a scam and they aren t magic.  The money is either paid upfront or over time.  Their associated benefit or cost will really depend on your unique financial situation, what the fees are, and what the interest rate impact will be.  Make sure you do the math and compare options before signing on the dotted line.

    Also watch out for banks that bundle your closing costs on top of your loan amount, increasing the size of your loan, effectively making it a “no-cash loan.

    Though you may avoid out-of-pocket expenses and upfront fees, these costs are not lender-paid, and the loan is not a true no cost loan.  You simply pay the fees over the life of the loan instead of at closing.  And you re stuck with a higher loan amount to boot!  Not necessarily a great deal.

    For the record, you can also get a no cost loan for a home purchase, though it might take a combination of a lender credit, a credit from your real estate agent, and seller concessions to make it all work.

    Lastly, don t forget to negotiate .  It might be best to ask the lender what their best rate is, then tell them you want a no cost option as well.  That way you can see what the difference is without showing your hand.  If you tell them you want the loan at no cost, you may never know how low the rate could have been.



    Cost of a Payday Loan – Consumer Information and Prices Paid. #installment #loans #no #credit #check


    #cheap payday loans
    #

    How Much Does a Payday Loan Cost?

    Annual Percentage Rate: 300%-500%+

    Also called a paycheck advance, a payday loan lets an employed person borrow a relatively small amount of cash for a short period of time (typically two weeks), to cover expenses until the next payday. The Federal Trade Commission has issued a consumer alert[1 ] calling payday loans “very costly cash” and suggesting alternatives.

    Typical costs:

    • Amounts borrowed vary from $100-$1,500, but most payday loans are for $100-$500. Fees are typically $15-$30 per $100 borrowed (or 15%-30%, if the payday loan company charges interest rather than flat fees).
    • For example, to borrow $300 with a fee of $15 per $100, the borrower writes a personal check for $345 (the amount of the loan plus the fee) and receives $300 in cash. The payday lender holds the check until an agreed-upon date, typically up to two weeks. On that date either the borrower gives the lender $345 in cash and gets the personal check back, or the lender deposits the check its checking account and the money is taken out of the borrower’s checking account. In some cases the money is transferred electronically by the lender, rather than depositing a paper check. Whichever way it’s done, the loan and fee are paid in full.
    • However, a borrower who isn’t able to repay the entire amount of loan and fee can choose to pay another $45 fee to “roll over” the personal check for an additional two weeks. If it’s difficult to pay off the entire loan, fees for extending the loan every two weeks add up quickly.
    • Because state laws vary, payday lending fees are different in each state. For example, Check Into Cash charges $10 per $100 borrowed in Oregon; $17.50 per $100 in California and Alabama; $20 in Colorado; $24 in Nevada; and $30 per $100 in Delaware.

    What should be included:

    • Payday loans are fast (typically approved in one or a few hours, and almost all go through within 24 hours) and relatively easy to obtain. No credit check or collateral is required, and the loan amounts are usually far smaller than those typically available through banks, credit unions or other lenders. Usually the borrower needs to show a photo ID and proof of employment or income (pay stubs and/or bank statements), and must have a personal checking account. Payday lenders rarely turn down an applicant who a job, ID and checking account.
    • Many payday lenders offer loans online, 24 hours a day, with supporting documents faxed to the lending company. The loan amount is transferred by a direct deposit into the borrower’s checking account and on the due date the loan and fee amount are withdrawn electronically.
    • Payday loans are for such short periods of time that many borrowers are not able to repay the debt and must roll it forward. Annual percentage rates on these loans work out to 300%-500% or more, and payday loans can be a short-term solution to what may be long-term financial problems, Consumer advocates allege that a few payday loan companies have used unscrupulous, unethical and even illegal means to collect unpaid loan amounts.
    • The Center for Responsible Lending charges that payday loans lock borrowers into a debt trap[2 ]. The center provides an example[3 ] of a consumer who borrows $300 with a $50 fee and rolls the loan forward nine times (the average per year per borrower), paying $450 in fees while still owing the original $300 loan amount. However, the Community Financial Services Association, a trade organization that represents the interests of the payday lending companies, asserts that such charges are myths.
    • Payday loans or paycheck advances are illegal in some states, and other states limit the maximum loan amount. Credit.com summarizes payday loan regulations[4 ] by state.

    Related Costs: Line of Credit. Credit Card. Credit Report

    Additional costs:

    • If a borrower doesn’t have enough money in his or her checking account when the lender deposits the personal check, the borrower will be charged bounced check fees (typically $20-$40 per check) by the bank and by the payday lending company.

    Shopping for a payday loan:

    • Payday loan and paycheck advance companies advertise heavily in all media — radio, television and online. If a payday loan appears to be the best way to cope with unexpected expenses, Community Financial Services Association of America[5 ]. the payday lending organization, suggests choosing a lender who follows its code of best lending practices[6 ] .
    • The Consumer Federation of America offers consumer help[7 ]. suggesting ways to cope with a cash-flow gap[8 ] without borrowing.

    What People Are Paying – Recent Comments

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    When Can You Claim a Tax Deduction for Health Insurance? #tax, #taxes, #turbotax, #turbotaxhealth, #national #insurance #awareness #day, #health #insurance, #compare #insurance #rates, #health #care, #medical #expense #deduction, #premiums, #insurance #coverage, #affordable #cost, #tax #deduction, #tax #deductible, #subsidy, #premium #tax #credit


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    When Can You Claim a Tax Deduction for Health Insurance?

    Each year, June 28 marks National Insurance Awareness Day, serving as a reminder that it’s a good time to review your insurance coverage and ensure that it still fits your needs.

    This is particularly true for health insurance and making sure you have the right amount of coverage at an affordable cost.

    Health insurance can be expensive, so being able to claim a tax deduction for some of your insurance costs can help you save come tax time.

    Since there are specific rules and qualifications you must follow, here’s an overview of when you can and cannot claim a tax deduction on your health insurance.

    When health insurance is not tax-deductible

    If you didn’t pay for health insurance, you can’t take a tax deduction for it. If your employer pays your health insurance premiums, you can’t deduct those costs. However, if an employer only pays for part of your premiums, you still may be able to claim a tax deduction for the portion you paid.

    If you received a subsidy or premium tax credit to purchase an insurance plan in the Health Insurance Marketplace through the Affordable Care Act, any advanced-payment subsidy that lowered the cost of your health insurance premiums cannot be claimed as a tax deduction. However, the money you paid out of your own pocket for your premiums might be tax deductible.

    You can’t take a deduction for health insurance you paid for with pre-tax money. If you have insurance through your employer, the premiums you pay are usually taken out of your paycheck before your income taxes are calculated. Since these premiums are paid with pre-tax dollars, they’re already income-tax-free, meaning you can’t claim them as a tax deduction.

    Also note, you can not deduct health insurance unless you itemize your tax deductions or you are self-employed. You don t need to know if you qualify for itemized tax deductions, TurboTax will figure it out for you.

    When health insurance is tax-deductible

    If you’re self-employed, your health insurance premiums may be tax deductible. If you’re self-employed and not eligible for an employer-sponsored health plan through a spouse’s job, you may be eligible to write-off your health insurance premiums on your taxes. However, you can’t write off more in health insurance premiums than you earned.

    Health insurance premiums paid with your own after-tax dollars are tax deductible. For example, if you purchased health insurance on your own through a health insurance exchange or directly from an insurance company, the money you paid toward your monthly premiums can be taken as a tax deduction.

    Some Medicare plans are tax deductible. This includes Medicare Part B and Part D prescription coverage.

    There are limits to the amount of your health insurance you can deduct. If you are able to write-off your health insurance, there are limits to how much of your premiums you can write off.

    If you’re able to claim your health insurance as a medical expense deduction. you can only deduct medical expenses that exceed 10% of your adjusted gross income (7.5% if you’re 65 or older). If you’re self-employed and claimed the self-employed health insurance deduction, you don’t have to exceed the 10% threshold because you’re writing the premiums off as an adjustment to your self-employment income rather than as a tax deduction deduction.

    As with all tax laws, TurboTax is up-to-date with the latest tax law changes. If you have more questions about the Affordable Care Act and how it impacts you and your taxes, you can get answers from TurboTax Health .

    Post navigation



    Solar Power & Solar Panels Guide, MoneySuperMarket, how much money does it cost to install solar panels.#How #much #money #does #it #cost #to #install #solar #panels


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    Solar Power

    We compare prices from every energy supplier in England, Scotland and Wales to help lower your fuel bills

    How much money does it cost to install solar panels

    Solar Power

    Solar panels can cut your energy bills, and pay you for producing electricity, which makes them an appealing option if your energy costs are going up. But before paying thousands to install solar panels, consider whether your property is suitable, and whether they’ll really cut your bills.

    How much money does it cost to install solar panels

    How solar panels work

    Solar panels harness the sun’s energy through photovoltaic cells. The cells convert sunlight into electricity. You don’t need direct sunlight for the panels to work, as they still generate some power on an overcast day.

    • Cut your carbon footprint – the panels are environmentally friendly, as solar electricity doesn’t release harmful carbon dioxide (CO2) and other pollutants into the atmosphere.
    • Renewable and sustainable – you can’t run out of this type of power.
    • Cut energy costs – sunlight doesn’t cost a penny, once you’ve paid for the panels to be installed.
    • Financial support – solar panels are eligible for Feed-in Tariffs. You earn money for each kWh of electricity you generate, and you get an additional payment for the electricity you export back into the grid.
    • The initial cost – this can be expensive, at thousands of pounds, unless you’re eligible for financial help towards the cost.
    • Dependent on weather – solar panels still produce power on a cloudy day, but the weather may influence how well they work.
    • Your property might not be suitable – you need a roof that’s big enough to fit the panels, and produce enough power. Ideally, your home should also be south-facing. Listed buildings are unlikely to be allowed to install solar panels.
    • Effort – there is a big initial outlay, and building work is required. This will put many people off, when energy is available simply from a range of suppliers.

    Call your local Energy Saving Trust Advice Centre on 0800 512 012 for more information on solar panels.

    The cost of solar panels

    The average 4kWp solar panel system costs around 5,000- 8,000 to install, according to the Energy Saving Trust.

    This can generate around 3,800 kWh of electricity a year, and save around two tonnes of carbon dioxide every year. However, costs vary widely between installers – so get several quotes.

    Before spending thousands installing a system, make sure it’s worthwhile. Check if other energy saving measures could save more, such as switching suppliers, loft or wall insulation.

    Your home must reach band D or higher in the Energy Performance Certificate to be eligible for the highest rate of Feed-in Tariff.

    If you’re unable to install solar panels or you decide against it, cut energy costs by comparing tariffs and switching to a cheaper deal. Make sure you’re on the most competitive tariff, particularly given the rising cost of energy.

    Fitting solar panels

    Tell your buildings insurer: The panels will form part of your home’s structure. This means your insurance could get more expensive, if your insurer decides you need a higher level of cover, particularly if the house needs rebuilding and the panels need replacing.

    Consider separate insurance: Your home insurance won’t guard against any mechanical fault in the panels. If they stop working, check if they’re under warranty. You may need to insure them separately.

    Check the provider: Look out for the REAL Assurance and Microgeneration Certification Schemes (MCS), ensuring you can trust the company. The MCS mark shows that the installer offers high-quality products, while the REAL Assurance Scheme is a consumer code that offers protection.

    How much money does it cost to install solar panels

    Can I compare energy prices if I am on a prepayment meter?

    If you use a prepayment meter, you can still compare energy prices and potentially switch to another cheaper prepayment deal.

    If you are on a prepayment meter, you could switch to a fixed-rate deal and save.

    You can compare your current prepayment tariff to alternative tariff options using our energy comparison tool.



    Actual Cash Value, Repair Cost Estimate, Total Loss Threshold #car #value, #repair #cost #estimate


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    Car Value

    3 figures every consumer needs to be familiar with after an accident:
    1. Actual Cash Value (ACV) $$$ your insurer will pay for your vehicle when it is totaled. Insurance settlements are typically insufficient to replace your car with a vehicle of like kind and quality. Insurers pay you the depreciated value of your vehicle, forcing you to come out of pocket to get a new car. All insurers have a different methodology for this and some are more generous than others. You will have to arm yourself with the best information available to defend your position and make a case for the maximum settlement. Remember, you get what you NEGOTIATE, not what you DESERVE!
    2. Repair Cost (estimate) The key driver in the total loss decision process. The total cost of the repair, as a percentage of the Retail Value will determine what flexibility an insurance carrier has in qualifying your vehicle as total loss or repair.
    3. Total Loss Threshold (Click here ) – Repair Cost as a % of Actual Cash Value – the lower this figure is, the more likely your vehicle is to be totaled.

    You can obtain an electronic copy of the vehicle repair estimate from your insurance adjuster or insurance claims center. Your claim number will be assigned when you report your accident to the carrier and you will most likely be given an alternate telephone number to call for updates. The body shop where the vehicle is located may not be at liberty to release a copy of your repair estimate so it is best to go directly to your insurance carrier provided you have insurance coverage. Always get the estimate emailed to you so that images can be viewed, expanded and retained for future reference in the event of a legal dispute.

    Example #1:

    Your Vehicle s Retail Value
    $10,000
    Repair Estimate
    $6,800
    Total Loss Threshold in your state
    60%

    In the example above, the vehicle should be a total loss. If the repair estimate is below the threshold, but close to it the insurance carrier may total the vehicle at the adjusters discretion. Another factor influencing the total loss is the Supplemental Repair Order Process. It is fairly typical for most body shops to begin a repair and find hidden damage or repairs that are not accounted for on the estimate. The body shop will have to request that those repairs be covered in a Supplemental Repair Order. Some insurance carriers experience Supplemental Repair Orders submitted on 40% of the vehicles they repair. The industry standard is close to 30%.

    Example #2:

    Your Vehicle s Retail Value
    $10,000
    Repair Estimate
    $4,800
    Total Loss Threshold in your state
    60%
    Supplemental Repair Estimate
    $1,350

    The sum of the estimates is now $6,150, which exceeds the State Total Loss Threshold and the vehicle must be totaled to conform to state law. In this scenario, the insurance carrier is also responsible for the partial repairs to the vehicle (tear-down charges) which result in unnecessary added expenses had the insurance carrier decided to total the vehicle initially.

    In summary, insurance carriers will look carefully at the repair costs as a percentage of the vehicle retail value (ACV), but will err conservatively to account for supplemental repairs that could put the vehicle over the total loss threshold. If your goal is to have your vehicle totaled, the supplemental estimate angle is a very legitimate one that can be used for leverage in negotiating with your claims adjuster.

    How to get more for your total loss?

    Go to all the following Automotive Guidebook Sites:

    NADA.com
    BlackBook.com
    KBB.com
    Edmunds.com

    NADA and BlackBook are the most widely recognized by insurance carriers and in our opinion the most accurate. ALWAYS enter your VIN, it will insure against mistakes that will impact your final vehicle value.

    Before you research values, have the following:

    • VIN
    • EXACT MILEAGE
    • List of all added equipment

    Don t: estimate or try to remember the mileage if the vehicle is not with you. Use the last repair receipt (oil change). If you can t find anything with the exact mileage, be prepared to adjust your thinking along with the same rate that the guidebooks will adjust your vehicle value. We typically see a 10-12% error rate when people guess the miles on their vehicle. This could cost you several hundred dollars of adjustment on a total loss settlement.

    Do: be honest with yourself if your vehicle is CLEAN, the insurance adjuster will see it was clean and agree. If you say it was clean, that does not mean, washed before you wrecked it! CLEAN means very well maintained, spotless interior, flawless exterior and excellent mechanical working order.

    2006 Nissan Altima-4 Cyl. Price

    DamageMAX experts hear all the time from insurance personnel that they consistently lose legal disputes over total loss settlements when the consumer uses BlackBook or NADA to challenge a claim. Stand your ground if you have a guidebook that substantiates any attempt to short or underpay a total loss claim.

    Other items:

    Mechanical repairs while your insurance carrier may give you a pro-rated adjustment for items like new tires, a rebuilt transmission, etc. Guidebooks do not. These items are generally required for the vehicle to be in good working order and fall into the area of vehicle condition. Be prepared when you meet with your adjuster. Bring receipts for all recent maintenance items, repairs, upgrades, etc. Items like brakes are not generally pro-rated. The adjustment given for these items are usually of a conciliatory nature and not significant.

    Negotiating Remember, YOU are the customer. The policyholder. Insurance carriers spend $5.7 B per year in advertising trying to attract new policyholders, they lose on average almost 1 out of 2 (50%) after accidents due to claims handling. Let them know that you intend to stay if they treat you fairly and fairly is YOUR perception and opinion, not theirs. It is their job to make you FEEL like you have been treated fairly and most insurance adjustors lack the social skills to handle people. They follow a process and deviating from the process makes them uneasy and they resist. If you sense resistance, escalate your claim to a supervisor and you will be rewarded. Squeaky wheels get oiled!

    Diminished Value Claims there are provisions for diminished value in three states; GA, KS NC. That means the insurance carrier will be writing you a supplemental check specifically for diminished value after they settle your claim. Specific formulas are established for that purpose in each state. The adjuster will generally not initiate any discussion and will dismiss this topic as non-negotiable and formula driven by state legislation. Ask and you shall receive!

    How many people get a DIMINISHED VALUE ADJUSTMENT? Well I didn t! Because I didn t ask for one! Now if the vehicle is a total loss, diminished value is kind of a moot point. But if it gets repaired and the accident was not your fault, you should be compensated. If there is any doubt in your mind that if any reported accident will have an impact on your vehicles value, go to www.carfax.com and under ABOUT US you can find out what they specifically report on. This was taken from their site:

    Every CARFAX Report contains information that can impact a consumer’s decision about a used vehicle. Some types of information that a CARFAX Report may include are:

    • Title information, including salvaged or junked titles
    • Flood damage history
    • Total loss accident history
    • Odometer readings
    • Lemon history
    • Number of owners
    • Accident indicators, such as airbag deployments
    • State emissions inspection results
    • Service records
    • Vehicle use (taxi, rental, lease, etc.)
      CARFAX receives information from more than 34,000 data sources including every U.S. and Canadian provincial motor vehicle agency plus many auto auctions, fire and police departments, collision repair facilities, fleet management and rental agencies, and more.

    READ the above AGAIN carefully Every CARFAX Report contains information that can impact a consumer’s decision about a used vehicle

    This translates to what we report will have an impact on who looks at your vehicle . This will unequivocally have a financial impact on YOUR vehicles value when you go to trade or sell the vehicle. All franchised and independent auto dealers in the USA try to avoid trading vehicles with accident history because it complicates the sales process with damage disclosures, thereby increasing liability.

    Think of it this way what consumer goes to a dealer intending to buy a car that has been in an accident?

    CARFAX has successfully capitalized on insurance company data sources, motor vehicle and municipal data sources. The information from your accident can and will be shared and will be attached to your vehicle s history FOREVER.

    Get paid for the diminished value up front by your insurance company! Fight for it now because you will give it up later



    Affordable & Appropriate Same Day Dental Implants #dental #implants, #dental #implants #cost, #affordable #dental #implants


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    Affordable & Appropriate Same Day Dental Implant Care

    Dental Implant Treatment Is Available At Our Offices Located in Downey, Long Beach, Torrance, Westlake Village, and Fallbrook Ca.

    We have created this web site to help you learn about dental implant care and dental implant cost and the relationship between the two. We will address dental implant costs and analyze in detail those of ourselves and others. We have also provided an extensive discussion about differences between affordable and expensive dental implants.

    We believe every citizen has a moral duty to try to produce a service or product that will improve the quality of life for their fellow citizens. Whether you are an unskilled laborer or a brain surgeon, the opportunity to exercise this moral imperative is always present.

    As dentists we want to be a skilled surgeons (technically as well as scholarly). We also want to be good businesspeople who advocates for our patients by giving them as much value for their money as possible, while still making a fair living for ourselves and our family.

    Dental Implant Care & Costs

    One way we can improve the outcome of dental implant care is by controlling all related dental implant costs. including setting our hourly fee (by far the largest cost for dental implant care) to be within the reach of regular people.

    We can achieve this without compromising quality of service or self-sacrifice. Also to assist you in better understanding dental implant care in general, We have included actual patient photos and testimonials, a 3D presentation, and detailed explanations of dental implant placement, their restoration, and what to expect as a patient benefiting from this care.

    To further expedite your navigation of this site, please review the menu items on the top of the page or type in a specific question in the search box in the upper right area of the page. We hope you benefit from reviewing the information on our website. If after review you still have unanswered questions about dental implants and/or any of the other information we’ve provided, please click here to send us an email .

    Related Articles:

    Additional Resources:



    Restaurant Accounting – Restaurant Finance – Inventory Your Food Cost! #restaurant #accounting, #restaurant #finance, #restaurant #cost #control, #restaurant #inventory, #food #cost, #beverage #cost, #labor #cost, #restaurant #profit, #restaurant #profitability, #restaurant #budget


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    Restaurant Accounting: For Profit’s Sake,
    Inventory Your Food Cost!

    by Ron Gorodesky and Kate Lange

    T he food is great, the service fabulous and the restaurant is busier than ever – but are you wondering why the bottom line isn’t all it should be?

    Check your FOOD COST. A vital ratio – key to the success of any restaurant as it directly impacts profitability. A profitable restaurant typically generates a 28%-35% food cost. Coupled with labor costs, these expenses consume 50%-75% of total sales. Because of the impact food cost makes on an operation, food cost is one of the first things we examine at a troubled property. Beyond the bottom line, food cost also reflects an operation’s food quality, value provided to the customer, and management skill level.

    One can’t miss article in each issue!

    Sign-up for free and get the very next issue.

    Despite its importance, we find many restaurant managers do not calculate food cost correctly, or if they do, they do not fully understand the process. To be useful, food cost percentages must be determined accurately. Then the ratio can be compared to industry averages and previous performance. With an accurate food cost, steps can be taken to improve the operation and ultimately help your savings and improve the bottom line. The following is a step-by-step method for calculating food cost including an example and a worksheet to figure your own food cost.

    CALCULATING FOOD COST
    Keeping in mind you want to eventually compare your food cost with industry averages, how you determine the numbers must be consistent with industry practices. The industry standard is based on the Uniform System of Accounts for Restaurants (a handbook available from the National Restaurant Association). This system clearly identifies what items are included in each part of the food cost formula and IS briefly outlined below.

    Food Cost = Cost of Food Sales / Food Sales

    GENERAL GUIDELINES

    • Establish a specific time period for analysis. The food sales and costs should be generated during a set accounting time period of at least two weeks or more typically, every 28 days.
    • Juices, coffee, soda supplies and other non-alcoholic beverage sales are included in food cost calculations.

    STEP BY STEP – CALCULATING FOOD COST

    1. TIME FRAME
      Working with your accountant and managers, set up a regular time frame to analyze food cost. It is critical that the elements of the food cost calculation (sales, inventories and purchases) are representative of this time period.
    2. FOOD SALES
      This is the relatively easy part – total the customer checks or reports from point-of-sale registers making sure to only include sales generated from food sources (sources other than food should be allocated to a “beverage” or “other income” account). Remember to use sales generated only within the allotted time frame.

    Example: Food Sales (+ Juice, Soda, etc.) $1,850

  • COST OF FOOD SALES The costs associated with food sales are comprised of purchases and inventory level adjustments. In our experience, this part of the calculation is often computed incorrectly. Determining the amount of purchases for the time period is straight-forward:

    Total all food purchases (include delivery charges and non-alcoholic beverages). Example: Food Purchases in past 28 days $500

    Equally important, and often not included in determining cost of food sales, is the inventory adjustment. Many restaurants consider only purchases in determining food cost. This does not create an accurate food cost percentage – depending on the day purchases are made and what the cut-off date is for including sales in the food cost calculation, your food cost could appear 5 to 6 points higher or lower than it is. Additionally, this discrepancy makes it difficult to compare and track food costs.

    For example, suppose you receive (purchase) all your dairy and meat products on Thursday to prepare for the weekend. The time period for determining food cost ends on Friday (the next day). In calculating your food cost, it appears much higher than last month. While the increase may be due to theft or another operational issue, most likely it is due to calculating your food cost inconsistently and incorrectly. Your purchases reflect a large Thursday delivery, however, you do not log the sales from the weekend to offset these purchases, making your food cost appear out of line. Additionally, you have not factored in the inventory adjustment.

    Determine Inventory Adjustment
    Realizing the time and energy that counting inventory on the line (in “production”) is prohibitive to including inventory in food cost calculations, we recommend estimating a production inventory level. Conduct the inventory of the dining room, service and production areas a few times, average the inventory levels and use that constant figure each time period. Add the estimated figure to the physically counted storeroom inventories each period for your ending inventory. It is important to update the production inventory level at least once a year.

    Now that you have your ending period inventory level, look at the change from your beginning (start of time period) inventories (kitchen and storerooms). The key to accurate cost determination is understanding the role inventory levels play. For example, if the beginning inventory level is valued at $100 and four weeks later the ending inventory for the period is valued at $75, the inventory adjustment is the $25 difference – an increase in cost of food sales because you used $25 worth of inventory and did not replace it with new purchases.

    Considering this change and its effect on cost of food sales, apply the difference to the total purchases for the time period, giving you the total cost of food sales.

    Cost of Food Sales = Purchases +/- Inventory Adjustment
    (ADD if Beginning Inventory > Ending Inventory,
    SUBTRACT if Beginning Inventory
    Restaurant Advisory Services provides full-service consulting services to the restaurant and hospitality industries. The firm offers a full menu of advisory services focusing on every aspect of the life cycle of restaurants and other hospitality organizations, from pre-opening and conceptual planning, to day-to-day operations, to design and brokerage.

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    Kidney Transplant

    Department of Urology and Kidney Transplant Surgery has been running successfully under the valuable guidance and expertise of Dr. Pankaj Wadhwa, Director – Department of Urology with an experience of over 10 years in the field of Kidney Transplant, Laser Endoscopic Laparoscopic Urological Surgeries.

    Primus Hospital has world class state of art modular operation theaters, dedicated KT-ICU and dedicated team of Nephrologists, Anesthetists and post operative staff.

    The operation theaters are equipped with cutting edge technology with 100 watts Lumenis Holmium Laser for Prostate and Stone surgeries apart from full range of Urological instruments including Flexible Ureterorenoscope.

    The aim of the department is to provide all patients with world class urology services in terms of diagnosis, investigation work up, surgical procedures and follow up at an affordable cost.

    The department believes in the Patient First philosophy, giving personalized care to all its patients.

    Primus Nephrology, Kidney Transplant Dialysis Center is a leading center for innovative treatments. Our center is dedicated to highest standards of patient care with human touch, offering pioneering procedures that minimize risk and hasten recovery.

    We firmly believe that research enhances the ability of teaching and teaching lifts the standards of patient care.
    Primus nephrology Center provides excellent medical services with latest technology for diseases of the urinary
    system.
    As the major tertiary care centre, our goal is to deliver the highest level patient care, consistent with our
    philosophy of keeping the patient at the highest priority.
    We are proud to offer some of the region’s finest experts in urology specialty.
    The Center works as a cohesive team with interdisciplinary interactions between urologists, nephrologists,
    and medical team.

    The department of Urology has state of art Advanced Kidney Dialysis (AKD) unit which has been established at Primus Super Speciality Hospital. The department is focused to provide high quality medical care with a human touch. The division is one of the first few centers in India to provide state of Art Renal Replacement Therapy. under the guidance of Dr Pankaj Wadhwa Dr. Tanmay Pandya.

    Kidney failure describes a medical condition in which the kidneys fail to adequately filter toxins and waste products from the blood. The kidney problems can be devided in two forms in acute phase it is reffered to as AKI (Acute Kidney Injury) and in chronic phrase referred to as CKD (Chronic kidney disease) .The CKD patients are started on renal replacement therapy (RRT) once they reach a state of end stage renal disease (ESRD).
    Common diseases leading to ESRD include diabetes mellitus, hypertension, chronic interstitial nephritis, polycystic kidney disease, and autoimmune conditions such as Lupus nephritis. Diabetes is the most common cause of kidney transplantation accounting for approximately 25% of those in the developed and developing world.

    Renal replacement therapy (RRT) can be divided into Dialysis (Hemodialysis and Peritoneal dialysis) and Renal Transplant. Although hemodialysis has improved the quality of life of ESRD patients it is not without its own problems. Kidney transplant is a much better option for patients. A successful kidney transplant frees patients from the need for dialysis and is a more effective treatment for kidney failure. Transplant patients have less restrictions and a better quality of life than do dialysis patients. It has become the most successful and widespread organ transplantation performed today.

    We at Primus Super Speciality Hospital have been successfully performed renal transplants under the guidance of one of the most skilled Transplant Surgeon and Urologist Dr Pankaj Wadhwa. The team has been strengthened by addition of senior nephrologists Dr. Tanmay Pandya (MD. DM) The knowledge and experience of such eminent doctors has helped in giving quality care in the pre and post transplant period.

    Services

    • Colonoscopy $250
    • Gastroscopy $235
    • Allergy testing $135
    • CT scan $575

    Aliquam congue tellus eget dolor semper, eget hendrerit nisl condimentum. Sed posuere ante augue. Quisque porttitor mauris vitae tempor aliquet. In tincidunt eget nisl in fringilla. Morbi bibendum nunc non nisl euismod, at rhoncus odio aliquam. Praesent venenatis suscipit eros.

    Dliquam porttitor, nisl nec consequat tincidunt, massa leo viverra magna, in consequat massa lacus quis diam. Proin laoreet fringilla ultricies. Donec gravida mollis metus, id egestas leo tincidunt quis. Pellentesque quis ipsum non arcu accumsan euismod tempus at lorem. Nulla facilisi. Nam eu quam augue.

    Appointment

    Fusce dapibus ligula arcu, eget euismod quam ultricies eu. Sed eu nisi sed purus tristique feugiat. In vel laoreet quam. Quisque rutrum aliquam nisi ac rhoncus. Fusce tellus dolor, dictum nec ultricies ac, gravida quis nisi. Quisque quis dolor elit. Etiam nisi ipsum, commodo euismod vehicula non, fermentum commodo nisl. Donec turpis velit, interdum non sem non,

    MAKE AN APPOINTMENT



    Termites San Diego: What Are The Costs Of Termite Tenting In San Diego? #cost #of #termite #treatment,free #termite #inspection,fumigation #costs,how #much #does #termite #control #cost,san #diego #termite #tenting #cost,termite #costs,termite #tenting #costs


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    What Are The Costs Of Termite Tenting In San Diego?

    Termites are a severe problem in California, and are costing home owners about one billion dollars every year in damage repair. Every building in San Diego needs at the time of sale a clear termite inspection report, and it is advised that you do regular termite control in order to avoid expensive damage repair in the future.

    Costs are many times the primary concern of property owners in need of termite treatment. The costs of termite control in San Diego depend from various factors including the kind of termites you have, the size along with the part of your house that needs to be treated and the extermination method.

    A San Diego termite company will usually set the price in relation to how serious the infestation is. If the termite inspector spots just a few subterranean termites and finds that local treatment could solve the problem then there is no need for you to pay for an entire tenting procedure. Local termite treatment can provide residual protection and is typically less expensive than tenting and fumigating the whole structure.

    The average cost of termite tenting differs widely. Costs vary based on several variables, including the method of treatment and the severity, as well as the location, the accessibility of the infestation, the size of the treatment area (termite control quotes tend to be calculated per sq. ft.), the type of construction, the number of structures that need to be treated (e.g. fences, sheds) and the species of termite that has been found.

    The costs for termite tenting vary depending on these main factors:

    1. How far is the infestation spread throughout your house, and what exactly needs to be done to treat it
    2. The size of your home
    3. The accessibility of your property that may have an effect on the execution of the work

    While costs vary depending on the above, as a rule of thumb you may expect to pay about $1 to $1.50 per sf, so the typical costs to treat a 2,000 sf home may be around $2,000 to $3,000 for a San Diego property. In addition to this you may have costs for packing and moving some of your belongings, your stay during the time where you cannot live in your house, and any costs to repair existing damage.

    Generally speaking, if you have drywood termites, fumigation services cost more than local termite treatment. For subterranean termites, bait systems typically are more expensive than termiticide treatment because bait systems involve monitoring.

    If you have not dealt with termite companies in the past, you may be tempted to select the first company you come across. This however may not be the most cost effective solution. You should rather get two or three quotes so you can get a better idea what needs to be done and can compare prices. You also have the chance to evaluate different companies in terms of professionalism and knowledge.

    While the costs are an important consideration when selecting the best San Diego termite control company, the price should not be your only consideration. It is recommended to compare more than purely the initial expense for termite treatment. You may also want to look at any further costs, for example costs of future termite inspections, or costs to renew service contracts and of course the terms and conditions of the termite company s guarantee.

    Most San Diego termite companies provide free termite inspection, and reputable companies will also include a one or two year warranty against evidence of active termite infestation.



    Philadelphia Male Breast Reduction, Gynecomastia #gynecomastia #surgery #cost #Philadelphia


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    Male Breast Reduction

    One of the most popular procedures for males is the male breast reduction procedure. While this may be surprising to most people, enlarged male breasts are actually a common – and growing – problem. The condition is known as gynecomastia. At our Philadelphia practice, we perform male breast reduction surgery to remove the excess of breast tissue and skin.

    Male Breast Reduction Candidates

    Male breast reduction surgery may be performed on teens and adults that are suffering from the embarrassing effects of gynecomastia. Gynecomastia refers to the abnormal growth of breast tissue in men. The condition may be caused by:

    • Hormone changes such as those that occur during puberty
    • Aging, which is associated with weight gain and a loss of progesterone
    • Genetics
    • Weight gain
    • Certain medications, including anabolic steroids, anti-androgens, tricyclic antidepressants, antibiotics, and chemotherapy; anti-anxiety, ulcer, heart, and AIDS medications are also associated with the development of gynecomastia
    • Certain medical conditions, including tumors, hypogonadism, hyperthyroidism, kidney failure, liver failure, cirrhosis, malnutrition
    • Use of illegal drugs such as marijuana, amphetamines, heroin, and methadone
    • Excessive use of alcohol

    Candidates for male breast reduction should be at or near their ideal weight, be in good health, and not smoke.

    Male Breast Reduction Techniques

    Male breast reduction surgery may be performed using liposuction or skin excision techniques:

    • Liposuction : Liposuction is indicated for patients that have an excess of breast tissue and good skin contraction. Tiny incisions are made in each breast, and the breast tissue is suctioned out. Tumescent fluid is injected into the tissue to facilitate the removal of tissue; if the breast tissue is especially dense, a specialized grinding cannula may be used to extract the breast tissue.
    • Skin excision: If the patient has excess breast tissue and loose skin on the breasts, skin excision techniques are employed. In this approach, incisions are usually placed around the areola. If greater amounts of skin removal are required, an additional incision may be made in the crease of the breasts, or an incision that extends out in either direction from the outer edges of the areolas. This enables our surgeons to re-sculpt the breasts and produce an improved aesthetic by removing breast tissue, glands, and skin.

    Male Breast Reduction Procedure

    Male breast reduction surgery takes about two hours to perform, during which the following steps are followed:

    1. The breast incisions are marked with a surgical pen
    2. The patient is put under general anesthesia
    3. The anti-bacterial solution is smoothed over the breasts to reduce the risk of infection
    4. The incisions are made in the breasts
    5. Liposuction may be performed to remove excess breast tissue
    6. Excess breast tissue and skin is excised
    7. The skin is re-draped over the breast and the incisions are closed
    8. The breasts are checked for symmetry
    9. The treatment area is cleaned
    10. Medical tape and bandages are applied
    11. The patient is put in a compression garment

    Male Breast Reduction Recovery

    Recovery for male breast reduction takes some time. The first week after surgery, patients may experience some discomfort, bruising, and swelling in the treatment area. This can be minimized with pain medication, ice, rest, and elevation of the head.

    By the second week after surgery, patients feel better and are ready to return to most of their normal routines. However, heavy exercise should be avoided for an additional week or two.

    The compression garment should be worn at all times for at least four weeks after surgery; use of the compression garment will improve the final outcome.

    Male Breast Reduction Side Effects

    The side effects of male breast reduction surgery include:

    • Swelling
    • Bruising
    • Pain
    • Itching or numbness at the incision site

    Male Breast Reduction Risks

    Though rare, the risks of male breast reduction include:

    • Allergic reaction
    • Infection
    • Slow healing of the incisions
    • Breast asymmetry
    • Bleeding
    • Hematoma

    Male Breast Reduction Results

    Since it takes a few weeks to recover from male breast reduction surgery, it takes one to three months before the final outcome is apparent. Patients should also be aware that it will take a full year for the scars to fade as much as possible.

    Philadelphia Male Breast Reduction Consultations

    We invite you to contact our Philadelphia practice to schedule your male breast reduction consultation at Jefferson Plastic Surgery.



    Online Auto Insurance – Quotes Comparison, Find Cheap Rates, Buy Car Insurance Policy Online, low cost auto insurance online.#Low #cost #auto #insurance #online


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    Online Auto Insurance

    Make a Comparison

    Buy your Policy Online

    Low cost auto insurance online

    Operated by Online Auto Insurance ™

    Using the Internet to compare quotes side-by-side allows consumers to quickly pinpoint the insurers offering cheap auto insurance rates for the coverage desired. Instead of calling around or visiting individual websites for quote comparisons, complete one single questionnaire and instantly get back a rate from multiple quality companies such as Progressive, 21st Century, GMAC, Infinity, Unitrin and more, all at the same time! Watch the video to view the process.

    Pay Monthly

    Low cost auto insurance onlineChoose monthly auto insurance payments and learn about no down and low down payment options. Paying month to month instead of every 6 or 12 months plus a low start up cost makes it more affordable for many people on a budget by reducing the amount needed to get insured.

    Cheap Companies

    Low cost auto insurance onlineThe only way to find cheap car insurance companies is to compare rates. There is no such thing as the cheapest company for all. Each one of us has to search to see which will be cheaper for us individually. Understanding how the rating process works and which factors impact premium is an important part of the shopping process.

    Coverage Recommendations

    Low cost auto insurance onlineThe recommended coverage is one which is affordable and protects an insured s investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured s legal liability as a result of automobile accidents.

    Top Rated Companies

    Low cost auto insurance onlineWho are the top 10 car insurance companies? Learn the facts about the best rated company and what is used to determine ratings such as financial strength which indicate the stability and ability of a carrier to pay out their obligations. A rating can be valuable when it comes to choosing the right insurer.

    High Risk Drivers

    Low cost auto insurance onlineGet high risk auto insurance quotes from companies best for drivers with a record, including accidents and/or tickets or inexperienced drivers, such as teenagers, who may be considered a higher risk. Although bad driving records do affect premiums, there are insurers out there who specialize in the non standard (risky) market and can offer more affordable rates.

    Get Quotes Without Personal Information

    Low cost auto insurance onlineNo personal information, such as social security or driver s license numbers, is required for auto insurance quotes. Choose not to provide personal info to protect your privacy. Only basic data about vehicles and drivers is required and providing personally classified data is optional.

    No License

    Low cost auto insurance onlineGet car insurance without license through certain carriers who s underwriting guidelines permit it. Those with no drivers license, out of country (international) license and even identification cards from other Countries, such as the Matricula Consular issued by Mexico, may be eligible for coverage.

    Cheap Rates for Young Drivers

    Low cost auto insurance onlineA teenage or youthful driver should take a different approach when searching for the cheapest possible rates since their inexperience may have a negative impact on the price of insuring. Learn how a teen can save by comparing prices from a variety of insurers and by taking advantage of all possible discounts such as the good student discount .

    State Specific:

    Low cost auto insurance online



    Home Page #reverse #mortgages, #hecm, #hecm #home #equity #conversion #mortgage, #hud #insured #reverse #mortgage, #fha #insured #reverse #mortgage, #facts, #questions, #reverse #mortgage #information #georgia #tennessee, #testimonials, #medicaid, #no #monthly #payments, #interest #rates, #lump #sum, #fixed #rate, #adjustable #rate, #based #in #decatur #ga, #metro #atlanta, #macon, #consultants, #loan #officers, #how #does #a #reverse #mortgage #work?, #contact #us, #jack #wilkes #reverse #mortgage, #michael #julian #bond, #reverse #mortgage #counseling, #no #obligation #no #cost #free #information, #62 #and #older, #primary #residence, #home #equity


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    Reverse the Future

    What is a Reverse Mortgage?

    A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.

    Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past.

    To learn more about how Reverse Mortgages work, please click here .

    Reverse Mortgages Resources

    The Seniors Home Reverse Mortgage Blog

    There are many reasons to celebrate our modern day healthcare. We are living longer our quality of life is better today than at anytime in the history of the world. Doctors are performing medical procedures today that didn t exist only a decade ago! New prescription medicine is saving hundreds of thousands of lives today in the United States. On average Americans can expect to live well in to their 80s. This is a great time to be alive!

    There is a downside to this wonderful news.

    Latest News



    Tech Call Network, Professional U #u.s. #based #technicians, #u.s. #based #24/7 #customer #service #outsource, #low #cost #technical #support #help #desk, #lowest #cost #call #center, #inbound #customer #support, #certified #network #engineers, #cne, #customer #service #representative, #workforce #management, #advanced #call #center, #help #desk, #web #call #center, #customer #help #desk, #outsource #call #center #solution, #fast #implementation #support, #help #desk #solutions, #technical #support #


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    W elcome to TechCall Network, the most COST EFFECTIVE answer to all your support outsource call center, help desk service, advanced technical support and customer service call center needs. We provide a support solution tailored to meet your budget and requirements. It is our years of experience and professional infrastructure that allows us to provide companies with affordable outsource technical support models and flexible customer service plans to get your support outsource solution right – and implemented on time.
    [ More Information ] 1-800-705-8060

    PROVIDING U.S. BASED TECHS AND SERVICE REPRESENTATIVES TO DELIVER PROFESSIONAL RESOURCE SOLUTIONS YOU CAN COUNT ON TO SERVE YOUR CUSTOMERS AND REDUCE SUPPORT COSTS.

    Our Technicians Staff deliver affordable quality support services.
    Call 1-800-705-8060 for our low cost Shared Tech Start-up Package

    Tech Call Network� is the lowest cost U.S. based outsourced advanced technical support call center available in the high technology industry today. You may not find a more qualified group of U.S. based help desk technicians and skilled professionals at twice the price.

    What if you could provide your customers with first quality technical support services and only pay for the personnel you need while spending 40% or less of your projected support budget?

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    Monday – Friday, Business Hours coverage.

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    When Can You Claim a Tax Deduction for Health Insurance? #tax, #taxes, #turbotax, #turbotaxhealth, #national #insurance #awareness #day, #health #insurance, #compare #insurance #rates, #health #care, #medical #expense #deduction, #premiums, #insurance #coverage, #affordable #cost, #tax #deduction, #tax #deductible, #subsidy, #premium #tax #credit


    #

    When Can You Claim a Tax Deduction for Health Insurance?

    Each year, June 28 marks National Insurance Awareness Day, serving as a reminder that it’s a good time to review your insurance coverage and ensure that it still fits your needs.

    This is particularly true for health insurance and making sure you have the right amount of coverage at an affordable cost.

    Health insurance can be expensive, so being able to claim a tax deduction for some of your insurance costs can help you save come tax time.

    Since there are specific rules and qualifications you must follow, here’s an overview of when you can and cannot claim a tax deduction on your health insurance.

    When health insurance is not tax-deductible

    If you didn’t pay for health insurance, you can’t take a tax deduction for it. If your employer pays your health insurance premiums, you can’t deduct those costs. However, if an employer only pays for part of your premiums, you still may be able to claim a tax deduction for the portion you paid.

    If you received a subsidy or premium tax credit to purchase an insurance plan in the Health Insurance Marketplace through the Affordable Care Act, any advanced-payment subsidy that lowered the cost of your health insurance premiums cannot be claimed as a tax deduction. However, the money you paid out of your own pocket for your premiums might be tax deductible.

    You can’t take a deduction for health insurance you paid for with pre-tax money. If you have insurance through your employer, the premiums you pay are usually taken out of your paycheck before your income taxes are calculated. Since these premiums are paid with pre-tax dollars, they’re already income-tax-free, meaning you can’t claim them as a tax deduction.

    Also note, you can not deduct health insurance unless you itemize your tax deductions or you are self-employed. You don t need to know if you qualify for itemized tax deductions, TurboTax will figure it out for you.

    When health insurance is tax-deductible

    If you’re self-employed, your health insurance premiums may be tax deductible. If you’re self-employed and not eligible for an employer-sponsored health plan through a spouse’s job, you may be eligible to write-off your health insurance premiums on your taxes. However, you can’t write off more in health insurance premiums than you earned.

    Health insurance premiums paid with your own after-tax dollars are tax deductible. For example, if you purchased health insurance on your own through a health insurance exchange or directly from an insurance company, the money you paid toward your monthly premiums can be taken as a tax deduction.

    Some Medicare plans are tax deductible. This includes Medicare Part B and Part D prescription coverage.

    There are limits to the amount of your health insurance you can deduct. If you are able to write-off your health insurance, there are limits to how much of your premiums you can write off.

    If you’re able to claim your health insurance as a medical expense deduction. you can only deduct medical expenses that exceed 10% of your adjusted gross income (7.5% if you’re 65 or older). If you’re self-employed and claimed the self-employed health insurance deduction, you don’t have to exceed the 10% threshold because you’re writing the premiums off as an adjustment to your self-employment income rather than as a tax deduction deduction.

    As with all tax laws, TurboTax is up-to-date with the latest tax law changes. If you have more questions about the Affordable Care Act and how it impacts you and your taxes, you can get answers from TurboTax Health .

    Post navigation



    Factoring – definition of factoring by The Free Dictionary #cost #of #factoring


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    factoring

    1. One that actively contributes to an accomplishment, result, or process: “Surprise is the greatest factor in war” (Tom Clancy). See Synonyms at element .

    a. One who acts for someone else; an agent.

    b. One who purchases accounts receivable at a discount.

    3.Mathematics One of two or more quantities that divides a given quantity without a remainder. For example, 2 and 3 are factors of 6; a and b are factors of ab.

    4. A quantity by which a stated quantity is multiplied or divided, so as to indicate an increase or decrease in a measurement: The rate increased by a factor of ten.

    5. A gene. No longer in technical usage.

    6.Physiology A substance that functions in a specific biochemical reaction or bodily process, such as blood coagulation.

    To determine or indicate explicitly the factors of: If you factor 70, you get 2, 5, and 7.

    To engage in purchasing accounts receivable at a discount.

    To figure in: factored vacations in when preparing the schedule.

    [Middle English factour. perpetrator, agent. from Old French facteur. from Latin factor. maker. from facere. to make ; see dhē- in Indo-European roots .]

    factoring

    1. (Commerce) the business of a factor

    2. (Banking Finance) the business of purchasing debts from clients at a discount and making a profit from their collection

    Thesaurus Antonyms Related Words Synonyms Legend:

    para]]Colorado Factoring Company Provides Alternative Financing Options to Small Businesses[[/para]]

    BNA (Arlington, VA) has published “American Factoring Law,” an 800-page hardcover book that is designed to provide a detailed analysis of the legal and business issues of factors and factoring transactions.

    The factor extraction procedure was principal axis factoring .

    An alternative option that is already succeeding is the factoring of invoices and receivables.

    Factoring a large number to determine its prime-number components typically takes a long time — so much time on even the fastest available computers that an important method of encrypting digital information can count on the difficulty of factoring for maintaining security However, factoring techniques have improved sufficiently in recent years to bring numbers of more than 100 digits easily within range.

    Export factoring is another alternative, and it’s an especially cost-effective solution for companies with export sales to developed countries of more than $5 million annually.

    factoring companies, which also describes factoring basics and includes a glossary of terms and a statistical overview of the factoring industry.

    com, a leading resource for the invoice factoring industry, announced today it is offering free directory listings for account receivable factoring companies.

    More industries use factoring to capitalize small businesses

    Pollard of Reading, England, invented the “number field sieve” for factoring large numbers.

    14 /PRNewswire/ — Fleet Financial Group (NYSE: FLT) has completed the previously announced sale of its factoring and commercial finance subsidiary, Fleet Factors Corp.

    OTC BB:EQUI) (the “Company”) today announced that it has sold Equinox Factors, its factoring company, to Coast Capital Partners.



    Affordable Air Ambulance Medical Service #affordable #air #ambulance #medical #service, #low #cost #options, #air #medical #transportation, #services


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    Low Cost Options

    We offer options that provide significant savings in medical flight costs without sacrificing patient care and customer service.

    • For patients who must be transported immediately by air ambulance service, our all-inclusive price quote will be competitive, with a low price guarantee. If you receive a lower quote from another company – for travel on the same day, to the same destination, in the same type of aircraft – we will meet or beat that price.
    • We offer aircraft options including jet service (the fastest and most costly method of medical air transport) as well as lower-priced turboprops and twin engine aircraft. All planes are medically-equipped and safe.
    • Aircraft often return to base empty after dropping off a patient. If you have the flexibility to schedule your flight so that you can “piggy back” on an existing flight, you may be able to save thousands of dollars on your air ambulance cost.

    The Patient Transport Specialists at U.S. Air Ambulance will gladly discuss cost-saving air medical transport options with you, insuring that you’re offered appropriate transport at the very best price.

    • Stable patients may qualify for medical escort on a commercial plane. medical escort via Amtrak train or via long distance ground ambulance transportation. These options can offer a savings of up to 50% over the cost of air ambulance service.
    • For patients flying internationally and cannot sit up for take-off and landing on a commercial flight, we offer our medical escort service using an airline stretcher. The stretcher and all necessary medical equipment are placed in the rear of the plane. International commercial stretcher flights require one to two weeks notice to arrange, but can save thousands of dollars.

    Please call 800-633-5384 for more information. We are available to personally assist you 24 hours a day, 52 weeks a year.

    Or you can Request a Quote. Just complete the easy-to-use form included on this site.

    Customer Testimonials

    I just wanted to tell you how much my mother enjoyed the flight even with all of her medical issues. You all provide a wonderful.
    view more

    Past Projects

    In 2003, we provided 24-hour medical staff and air ambulance emergency evacuation capability for a four-month Star Wars.
    view more

    Case Manager’s Tool Box

    Provides Case Managers with real time information to efficiently and compassionately handle patient medical transport.
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    2017 US Air Ambulance. All rights reserved.



    How Much Does Greece Really Cost? #how #much #does #a #car #insurance #cost


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    How Much Does Greece Really Cost?

    March 7, 2011 / By NomadicMatt


    Last week, I wrote an article called Five Destinations to Visit for Under $30 USD . One of the places I listed was Greece. which brought a lot of pleasantly surprised comments from readers. Most people never think of Greece as a cheap destination, lumping it in with the other Eurozone countries as overpriced. However, I ve been to Greece twice and think it s a highly underrated budget destination, especially for Europe.

    One commenter didn t agree:

    Greece is definitely not cheap, especially not Athens. Clubs charge around €20 entrance fees. The akropolis is like €25 entrance to walk around. Sure, tavernas are pretty cheap, but once you go up from backpacker hostels and low-end tavernas, Greece is hella expensive. I’m waiting until they get kicked out of the euro and go back to drachmas. There is a reason people go to Turkey instead of Greece. Telling people that it’s on par with Thailand and Bali is just plain misinformation

    And he s right. Traveling that way would make Greece expensive. But traveling that way could make any place expensive. For example, another place on that list was Bali. Bali is a very cheap destination, but if you stayed in the $1,000 USD resorts, it could very well be hella expensive. The same is true in Thailand. The same is true anywhere in the world.

    I m often in New York City. It s not the cheapest place in the world, but it doesn t have to be the most expensive either. Avoid the $200 sushi meals and expensive bars, and you don t have to spend a lot of money. It s all about how you travel. The commenter is right when he says Greece isn t cheap if you go to lots of clubs. It s not cheap if you visit in the middle of July (peak season) and spend your time in Santorini or Mykonos .

    So How Much Do You Really Need?

    The one thing the commenter missed in his argument is that it s about how you travel. Every place can either be cheap or expensive since everyone spends money differently. There s always someone doing it for less, and there s always someone spending more. So I ve created a number of different budgets to give you an idea as to how much Greece costs depending on your travel style :

    (Note: These are daily averages. Some days you ll spend more, some days you ll spend less.)

    Budget #2 The Less Broke Backpacker
    Hostels 10 euros
    Food 7 euros
    Beer 10 euros
    Activities 10 euros (museums and such)
    Total: 37 euros ($45 USD)

    Budget #4 The I Only Have Two Weeks, So I Don t Care Traveler
    Hotel 25–30 euros
    Food 20 euros
    Beer 15 euros
    Activities 20 euros
    Total: 80-85 euros ($108-115 USD)

    Budget #5 The Semi-Luxurious Traveler

    Hotels 50 euros (this amount of money will get you a really nice hotel!)
    Food 25 euros (nice meals with wine all the time!)
    Beer 15 euros
    Activities 40 euros (museums plus day tours)
    Total: 130 euros ($181 USD)

    Notes on the Numbers:

    • I m not including souvenirs in these numbers. That s highly discretionary and variable. Obviously, the more you buy, the more your daily average will be.
    • While alcohol is included, if you like to drink or go clubbing a lot, you re going to spend a lot. Summertime on the Greek islands is a bit hedonistic, so if that s your thing, bring extra money.
    • The prices here reflect the shoulder season. Greece s high season is July and August, and if you re going then, I d add a few extra euros a day to your budget.

    As you can see, Greece, like any country, has a wide range of budget options. You can do it on the cheap, or you can go nuts and spend a few hundred euros per day. It s all about how you travel. But I included Greece in the original article because when people think about Eurozone countries, they think expensive. While that s very true for many countries on the euro, it s not true for Greece. Compare those prices above with prices in Paris or Amsterdam or Rome, where hostels cost 20–30 euros per night, the cheap food is 5 euros, meals cost 10–15 euros, and beer is a lot more than 1–2 euros! I spent less on a hotel room in Athens than I did for a dorm room in Amsterdam. If you re looking for a budget destination in Europe. Greece is the perfect place to go. It may be on the euro, but that doesn t mean it s expensive.

    If you re planning a trip to Greece, consider reading my country and destination guide to the country. I visit every summer, so the information is fresh, accurate, and detailed.

    Want to share your tips and advice? Got questions? Visit the community forum to ask questions, get answers, meet people, and share your tips!



    Cost of a Paralegal Certificate – Paralegal Online Certificate #paralegal #certificate #cost, #paralegal #online #certificate


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    Cost of a Paralegal Certificate

    Finding the right school for pursuing paralegal courses can be a tedious task. First, you’re going to have to consider the quality of education you will be getting. No one wants to spend their hard-earned money on something that isn’t going to be worth the time and effort. Second is you should look at the cost of a paralegal certificate. While there are a lot of schools that offer different kinds of paralegal education, most people would consider the ones with the most economical rates. We’re not saying it’s a bad thing, but one should also find a perfect balance between quality and value.

    Below are some schools that offer courses to help you ace that Certified Paralegal exam.

    Cost of a Paralegal Certificate

    University of California

    If you’re planning to study in the West Coast area, the University of California offers an extension program for would-be paralegals. The estimated cost of a paralegal certificate in UC is $6995 plus another $1000 for books and other course materials.

    Saint Mary of the Woods College, Indiana

    Offering both Associate and Bachelor paralegal degrees. Saint Mary of the Woods boasts to having ABA accredited programs in paralegal studies. In addition, the school also offers a post-baccalaureate program for paralegal studies for those who possess a Bachelor’s degree in another field. Paralegal certificate cost is currently at $27,672.

    Boston College

    For those wanting to enroll, Boston College requires a full payment of $3495 a week before the start of classes.

    Rasmussen College, Minnesota

    Located in Bloomington, Rasmussen College provides programs assisted by the NALA (National Association of Legal Assistants). Courses like Law Office Technology: Cyberspace and the Paralegal Profession, Family Law, and Legal Research are only a few of the interesting course offerings the Rasmussen College takes pride in. Estimated yearly tuition for an Associate degree program is $28,106.

    Suffolk University, Boston

    Suffolk University offers a post-baccalaureate program that can be completed in as little as nine months. Estimated annual tuition for the program for the academic year 2015-2016 is $33,934.

    Try Online

    Compared to other entries, online paralegal schools offer the most convenience and flexibility. Penn Foster College offers an all-online Associate degree for paralegal studies. The course includes in-depth study aids and other helpful learning materials. Currently, the cost of a paralegal certificate from Penn Foster is $1446 per semester on installment or $980 if made in one payment.

    Go Local

    If all else fails, you can always try checking out your local community college. Most of the time, they offer courses at the fraction of the cost of a paralegal certificate being offered by proprietary colleges.

    Another advantage is that most paralegal programs in community colleges have ABA accreditation which not all proprietary colleges have.

    In general, pursuing a career in the paralegal profession entails a certain degree of financial and personal commitment. The ones mentioned above are but a few suggestions. You can always research on other institutions that may provide better programs. Choose the one that fit both your needs and your budget.

    Related Posts

    Should You Start Taking Paralegal Online Courses?

    What are the duties of a paralegal?

    Preparing for the Certified Paralegal Exam: The Only Three Tips You’ll Need



    Commercial Truck Insurance NITIC – For owner operators and small fleet looking for trucking insurance #truckers #insurance, #insurance #for #commercial #trucks, #low #cost #trucking #insurance


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    Truck Insurance for Owner Operators and Small Fleet

    We are a full service commercial truck insurance company that specializes in transportation insurance, including Tractor Trailers, Straight Trucks, and Pickup Trucks.

    Finding Information On Commercial Trucking Insurance Can Be Easy

    You want information about trucking insurance and you would like to have it in a easy to understand format. Here are some of the most important tips and guidelines in a way that you can quickly digest.

    When trying to save money on your trucking insurance, consider having a anti-theft alarm or immobilizer installed on your vehicle. The possibility of theft is one of the major cost factors in your insurance premium, and an anti-theft device reduces this risk. The lower your risk, the lower your premiums become.

    Try to keep a good driving records. The number one cause of high premiums is a bad driving record. If you already have an accident or tickets on your driving record, you may be able to lower your insurance costs by taking a traffic course.

    When shopping for a new commercial truck, be sure to check with your insurance company for any unexpected rate changes. You may be surprised at how cheap or expensive some Commercial Truckings may be due to unforeseen criteria. Certain safety features may bring the cost of one commercial insurance down, while certain other trucks with safety risks may bring the cost up.

    Before deciding on an trucking insurance policy, learn about what each of the options cover. You will be able to obtain great savings if you understand what you actually need in an trucking insurance policy. Do you need the towing option? Or did your new commercial insurance policy come with that option? Thoroughly study your policy before signing on the dotted line.

    Truckers Insurance Discounts

    Check to see if your trucking insurance company has a discount for not filing claims. Sometimes if you haven’t had any claims for a period of time, you may be eligible for a discount. If they aren’t upfront about the discount, ask them. Having no claims can reduce your insurance.

    With truckers insurance, is it better to have a policy with a call center or one with a local office? It is nice to talk face to face with an agent, but he may have an interest in giving more coverage than you actually need–since he benefits personally from this.

    When looking into truckers insurance, the best advice you could probably receive is to check different companies and get competitive quotes. You will then know you are getting the insurance coverage you need, at a price you can afford. Check the policies side by side to be sure the one you choose has everything you need.

    To make sure you’re approved for reasonable trucking insurance rates, check to see if you have any traffic violations on record before you can apply. These violations can have a big impact on the rates you pay. In many cases, a minor traffic violation can be expunged from your record, and taking the time to do this will ensure you’re offered good rates.

    Saving Money On Truck Insurance

    Even your age can play a large factor in the price you can expect to pay for truckers insurance. Statistically speaking, drivers over the age of 55 and under the age of 25 are considerably more prone to vehicle accidents compared with adults in mid-life. While this cannot be changed, you may wish to compare coverage options across companies; some place less emphasis on the age of the insured party.

    Review your insurance policy to make sure you are not being overcharged. Check for accurate annual mileage, verify your Commercial Trucking’s make, model and year. Double-check that the policy reflects your proper work commute, especially if it is very short. All of your policy’s information is found on the Declaration page. Also verify that no additional coverage was added without your agreement, and that all promised discounts were applied.

    To get the best rate on your commercial insurance, it is important to shop around, even if you are happy with your current insurance provider. If other companies are offering significantly lower rates for the same insurance coverage, then take that information back to your own provider and use it to negotiate a better rate.

    If possible, pay for your insurance policy in one lump sum. When you pay your insurance premiums monthly or quarterly, insurance providers can charge you an administration fee and interest on the money that you owe. The interest rate is also likely to be much higher than the interest rate you could get on a personal loan.

    Choosing The Correct Insurance Provider

    Here is a thought for choosing commercial trucking insurance! Know the value of replacement parts for your commercial truck, especially if you drive an older vehicle. Import trucks will often be prohibitively expensive to fix, meaning that a minor fender-bender can result in the insurance company determining your rig to be totaled. If this describes your situation, you don’t need to be paying out for collision insurance, because it won’t help you!

    Try to maintain good credit scores. A few states, like California, ban the use of your credit score when calculating insurance premiums, but most allow it. Companies see people with low credit scores as high risk customers, so they’ll probably charge a hefty premium compared to a person with high credit scores.

    When it comes to trucking insurance you should drop collision coverage on older commercial vehicles. This is because if they get into a wreck you will likely only get book value or less, and old rigs aren’t worth very much, and as such that would be money wasted on paying premiums.

    How To Lower Your Truck Insurance Rates

    A great way to save some money on your commercial truck or cargo insurance is to drive your vehicle less frequently. Many of today’s best trucking insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their commercial vehicles parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

    We hope that you not only were able to learn something about commercial truck insurance, but also will be able to apply it. Follow our advice and you will be one step closer to being an expert in this subject.