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The New Hotspot For Miami Beach Real Estate. @ Video

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Thank you, your message has been sent


Moving Company in NYC – Serving Manhattan, Queens & Brooklyn

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Citi Prestige is Back!! New Applications Jan 2019, 5x Bonus Categories!! + Video

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Car Insurance on a new car

By Penny Gusner, Insure.com – Last updated: Dec. 22, 2017

New vehicle insurance

In most states, car dealerships won t allow you to drive off the lot before you show proof of car insurance for your new vehicle. And for good reason — car insurance is required in nearly all states. Also, no dealer wants to be blamed if you total your new car five miles down the road and wind up making payments on a car you no longer can drive.

When to get insurance on a new car

If you already have car insurance for your current vehicle, then your existing policy may offer temporary coverage for your new car for a limited time. If you re not certain if your policy extends coverage, give your agent a quick call to check before picking up your new vehicle.

If your current car insurance policy does automatically extend coverage to a new car, you won t be required to inform your auto insurance company before buying a car, but don’t wait too long after your purchase to notify your insurer.

Policies that extend coverage to new cars typically give you anywhere from seven to 30 days to inform your car insurance company that you purchased a new vehicle. It’s important that you know exactly how long you have and inform your insurer about your new car within this grace period. Otherwise, you could unknowingly end up driving without insurance.

Be sure to find out if your extended coverage includes collision and comprehensive. If it doesn’t, your finance or leasing company will require you to add these physical damage coverages to your new car policy immediately.

If you don’t have a policy already in place, get car insurance quotes while you’re still shopping for a car and make sure you compare insurance rates by car model. You don’t want to be in the middle of purchasing your new vehicle and discover you can’t afford the insurance on it.

Insurance when buying a new car

Some car insurance policies only cover a new vehicle if it s replacing a vehicle on your policy and only extend the same coverage. For instance, if you only had liability insurance for your old car, your new car will only have liability coverage. If you find this to be the case, call and add the new car to your policy while at the dealership to have collision and comprehensive coverage in place before you drive off the lot.

Other auto insurance companies policy terms automatically provide a new car with comprehensive and collision for only a few days, two to four is common, if all the vehicles on your policy have liability only coverage.

That limited coverage window allows you to get home and call the insurer, which is especially helpful if you re buying a car during the weekend and your agent isn t available for you to add your new vehicle to your policy.

Other auto policies extend the physical damage coverage for a longer period of time if you have these coverages on at least one of the other cars on your policy.

Rules are all over the place with car insurance companies, and can also vary according to state laws. For instance, in Texas, insurance companies must give a newly obtained vehicle the same amount of coverage as your car with the most coverage. That means if you have one car with collision and comprehensive and a second car with liability and then you add a third car, it will have collision and comprehensive extended to it.

But, in Texas, if you re replacing a car on your policy you re extended only the same coverage as the car the new car is replacing. And any new automatic coverage in Texas only lasts up to 30 days so during that time you must inform your insurer of the new car and decide what exact coverages you want on it.

Whatever your extension period is, if you wait past the deadline to notify your insurance company you will lose coverage on the new vehicle. This could get you in trouble with your state department of motor vehicles and your finance company, not to mention bring about major financial difficulties if you get in an accident.

Know your auto insurance options

If you’re buying your first car, you need to shop around and get a car insurance policy lined up before you buy your new auto. That usually means you ll need to call from the dealership to formally start the policy by providing the insurer the vehicle identification number.

If you’re already insured and the dealer asks to see proof of insurance before you can burn rubber, show your current insurance card if you know there is automatic coverage. The dealer should accept that as proof. If you re asked to provide something more, most car insurance providers can email or fax proof. Your car insurance company may have a phone app that will let you show this information, check into that as well.

Keep in mind if you’re leasing a vehicle you may need to upgrade your coverage — leasing companies require you carry higher liability limits of $100,000/$300,000 for bodily injury and $50,000 for property damage. Typically, your insurer can get you the coverage you need within 24 hours.

If it’s time to shop for auto insurance, Insure.com provides a list of the best car insurance companies as ranked by policyholders.

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Find Commercial Vehicle Insurance Savings in New York, Trusted Choice, auto insurance in new york.

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New York Commercial Vehicle Insurance

New York is home to many diverse industries. Some of the largest include construction, manufacturing, financial management and educational services. The one thing they all have in common is that at some point, each industry needs to employ a commercial vehicle. To protect the vehicle, the drivers, passengers and personal assets, you have the responsibility as a business owner to obtain New York commercial auto insurance.

If the search seems daunting, contact a local independent agent in the Trusted Choice В® network. An independent agent will help you evaluate your needs and then find the best policy at the best price to meet them. Because Trusted Choice member agents work with multiple insurance companies, you’ll be able to compare multiple New York commercial auto insurance quotes easily. Find an agent in your area today to get started.

Commercial Vehicles

  • Delivery trucks, vans and cars
  • Limousines
  • Taxis
  • Garbage/recycling trucks
  • School buses and vans

  • Service vehicles such as cherry pickers
  • Tractor trailers
  • Construction vehicles, such as:

    Do I Need New York Commercial Auto Insurance?

    A commercial vehicle is any car, van or truck used for business purposes. If you don’t have a vehicle specifically for commercial use, but drive your personal car for business, is that still considered a commercial vehicle? Probably. When you use any vehicle for a business operation, it is a good idea to get a New York commercial auto insurance policy to ensure that you are covered for any incidents that may occur during business operations. Don’t rely on your personal policy to cover business related accidents, as there may be specific exclusions for commercial use of your car or truck that could leave you with major costs out of pocket after an accident.

    Commercial vehicles often come with a higher risk, which requires a separate policy. If you have a fleet of commercial trucks that deliver hazardous materials, for example, you will need specialized commercial truck insurance that covers your specific liability risks.

    If you aren’t sure whether you need commercial vehicle insurance coverage, contact a local independent agent in the Trusted Choice Network. One of these agents can assess your needs and tailor a policy to your company, whether you have one company car, a fleet of delivery vans or several freight trucks that deliver cargo cross-country.

    How Much New York Commercial Auto Insurance Do I Need?

    New York state law requires that all commercial trucks and vehicles be insured with a minimum amount of commercial auto liability insurance. But you may also want additional coverage based on your company’s needs and risks. The business owner that has a small car to meet with clients will need a different policy than a company that has a fleet of garbage and recycling trucks. Here are some questions to help you determine what kind of coverage you need.

    • What kinds of vehicles does your company use?
    • Who owns these vehicles?
    • Who drives the vehicles?
    • How often are the vehicles driven?
    • What are you transporting?

    An independent agent can help you determine the type and amount of coverage you need based on the vehicles your company owns, the experience and training of your drivers, and other factors unique to your business.

    The Importance of New York Commercial Auto Insurance

    Your commercial vehicle policy can help protect your business financially in the event that you or one of your drivers causes an accident on the road. Whether the accident results in minor property damage or severe injuries to others, you will be protected from major costs for repairs, medical treatment or even a lawsuit. Your policy can also cover your costs if one of your vehicles is damaged after an accident, severe weather and other hazards.

    As your business grows, make sure you continually update your policy. A lapse in coverage can mean serious penalties. You could lose your driver’s license and have your registration suspended. You may also need to pay additional fines and fees as well, which can range from $50 to over $2,000.

    How to Find New York Commercial Auto Insurance Quotes

    Being a business owner requires time and effort, and you work hard to grow your company. Don’t let an uninsured accident ruin everything you’ve built. The member agents in the Trusted Choice network know that you’re a busy individual, so let them find you a New York commercial insurance policy that matches your needs and budget.

    Trusted Choice member agents have the ability to compare multiple insurance policies and various New York commercial auto insurance quotes to find you the best coverage for your needs. It only takes a moment to find a local member agent in your area.


  • Home Design Apps Let You Experiment With Colors and Décor – The New York Times, interior design new york.

    #Interior #design #new #york


    Rearranging the Furniture, Minus the Aching Back

    If you’ve ever sat on your couch and wondered how it would look across the room, or whether the walls would look good in red, that was your inner interior designer speaking. Now apps offer a quick and powerful way to indulge your home design fantasies.

    Home Design 3D ($7 on iOS) is one of the better ones. It turns a two-dimensional view of your home into a three-dimensional graphic that you can view from any angle and even walk around as if inside. It is so sophisticated you could use it as a starting point for designing a house, rather than just tweaking your interior design.

    You start in two-dimensional construction mode, adding rooms and adjusting their size and shape to match your place. You can add measurements and drop in items from a database, like a water fountain or a grand piano. There’s a host of options for doorways, windows and other openings, and you can choose to color walls or floors with textures that look like wallpaper, carpet or wood or simply a uniform color.

    When your design is done, you click on the 3-D button to turn it into a 3-D version. While the app tries to be as intuitive as possible, with clear icons for control and some attractively designed screens, it has a steep learning curve. The fact that you have to pay for access to some textures and pieces of furniture might also frustrate you.

    Build App Pro is a similar Android app that costs $6. The app also has a plan-view design mode that lets you set out the layout of rooms and furniture items, plus a 3-D graphical view. Like Home Design 3D, the app tries to make design simple — it uses icon-driven menus and easy-to-learn gestures.

    But it has a small number of 3-D furniture models and a tendency to crash.

    A far simpler app is Houzz Interior Design Ideas, free on Android and iOS, which will probably be more useful in the early stages of any redesign plans. The app’s main feature is an extensive catalog of photos, listed by categories like Family Room, Wine Cellar and Exterior. Tap on a category, select a subcategory like Modern or Tropical and scroll through the photos. You can bookmark designs you like in your own idea book, or export them to Twitter or through e-mail. The app also has lists of products for sale and professionals who can help you realize your design.

    If you’re just thinking about changing the color of your furniture or walls, there are many apps to help. The best-known color matching system is Pantone, and it has an official MyPantone app for iOS.

    The app’s main feature is a representation of the famous Pantone color swatches. Scroll through the rainbow of options by dragging and then tapping on a color you like. This brings up a new page of data on that color, including its official Pantone code number and a tab for “harmonies.” This tab takes you to a graphical display of colors that complement your initial choice. If you are inspired by a color you see in real life, you can snap a photo of it and have the app recommend the closest Pantone color. You can save your favorite colors for a visit to a store to find matching paint. The downside is that the app costs a steep $10.


    NJ Auto Insurance, Online Quote System, NJ Insurance, new jersey auto insurance.

    #New #jersey #auto #insurance


    New jersey auto insurance

    Multi-Carrier online quote system

    Get Your Insurance Quote

    New jersey auto insurance

    New Jersey Auto Insurance

    Is it possible to find affordable New Jersey auto insurance rates? The combination of a dense population, high traffic highways, and the state’s “no fault” policies can leave driver paying top dollar for auto coverage. The way “no fault” works is, no matter who caused the accident, the driver’s own insurance is responsible. This creates higher risks in the eyes of the New Jersey auto insurance companies.

    To take away some of the stress, we have researched auto insurance companies in New Jersey. What we found was who had the best rates in the state. Before we go over these wonderful companies there are several factors that come with getting the best quote. Your driving record, where you live and the amount of miles driven daily are important in determining a rate quote. The most important thing you can do, no matter what our factors look like, is shop around. You need to compare New Jersey auto insurance companies to find the best rates for you. If you don t live in NJ, try these guys for Auto Insurance.

    Low-cost New Jersey Auto Insurance

    There are several auto insurance companies that stand out in “The Garden State”. From Gieco, Nationwide, Travelers, Progressive, and Erie drivers where finding quotes as low as $1,206 annually. That is nearly 25% under the state’s mean and wonderful news for the residents of New Jersey. This is just the start. We have ranked 25 auto insurance companies and their yearly rates for the average driver in New Jersey.

    The Best Auto Insurance by City

    Where you live, your commute to work, and where your car is stored play a major roll in determining your rate quote. Drivers who live in heavily settled area tend to be at a higher risk for damage or theft. For this reason auto insurance rates are higher in these areas. Let us take a look at New Jersey auto insurance in each of the most populous cities.

    Newark, New Jersey

    This county seat of Essex County has a population of 281,944 people making it the largest city in “The Garden State”. Auto insurance rates here are the highest in the state at an average of $2,233 a year. There is light at the end of that tunnel for drivers in Newark. Progressive, Nationwide, and SafeCo are quoting drivers at $1,206 a year.

    Jersey City, New Jersey

    East on the Hudson Bay sits Jersey City. Home to New Jersey City University and Saint Peter’s University it has a population of 264,290. Auto Insurance tends to be high because of the amount of driver under 25 years old. New Jersey Skylands and Erie are among the most affordable auto insurance companies for this college town with rates at $1,146 a year.

    Paterson, New Jersey

    Paterson is home to the Great Falls of the Passaic and a large network of parks and recreational areas. It is houses 147,456 residents and is the second highest density in the nation, only after New York City. Auto Insurance prices can be staggering here but with companies like Gieco and Chubb Insurance Company of NJ drivers are enjoying rates as low as $1,132 annually.

    Elizabeth, New Jersey

    This city was first called “Elizabethtown” founded in 1664 by English settlers and one of the original settlements. Today it is still as vibrant and bustling as ever. Drivers in this city can find savings with Norfolk Dedham and Founder Ins. They are quoting motorists in Elizabeth at $1,012 a year.

    Edison, New Jersey

    Edison is a township located among the New York Metropolitan area. It is a moderately populated town at 102,701 residents. Auto insurance rates can be on the higher side of the spectrum. If they shop around, people who live here can find affordable rates with Gieco and Western United Auto Insurance. Drivers were quote around $989 with these companies and members of AAA found even more discounts.

    As you can see comparing different companies and their rate offers is important. This fact is made more important since drivers in New Jersey are required by law to hold at least $5,000 property damage, $15,000 bodily injury liability per person/ $30,000 per accident, and $15,000 for personal injury protection. What you choose to do when it comes to limited right to sue and unlimited right to sue can also affect your rates. Choosing a limited right to sue can lower your rates 25%. Whatever coverage you need or choose we can help you here at newjersey-insurance.net.


    San Antonio Furniture Store, Hill Country Interiors, TX 78248, new home interiors.

    #New #home #interiors


    Furniture Store and Interior Design San Antonio: Our Mission

    New home interiors

    The Mission of Hill Country Interiors is to fulfill your vision by providing a full array of exquisite furnishings, from entire room designs to the small “finishing touches” that will transform your home, ranch or office into a setting that uniquely reflects your inner style and will be a statement to all who grace your doors. Over the years, it has been our pleasure to serve many clients to transform the “everyday” into an unending celebration of the good life.

    In addition to our Texas-based clients, a major part of our business is made of customers who live out of state. This diverse group ranges from residential customers including lake homes, ranches and second homes to commercial projects ranging from small installations including title companies, dentists, and doctors offices to large installations including banks and even a Texas Golf Course.

    We are now celebrating 29 years of successful service to clients in the San Antonio area and other markets across the nation, and we are entering into our 11th year at our exciting 30,000+ ft. store & showroom located at 1410 N. Loop 1604 West (at Blanco, across from The Vineyard Shopping Center) in the prestigious fast growing north central corridor of San Antonio, Texas.

    New home interiors

    Our “Floor to Ceiling” Design Center

    also features the Dominion Rug Gallery.

    Providing an exclusive inventory of proprietary designs made by master craftsmen from the finest New Zealand Wool. With an inventory of over 50,000 rugs to choose from, you will find exactly what you need to design the perfect ensemble from the ground up.

    For truly unique situations, custom color choices and sizes may be ordered according to your specifications. Complimentary professional interior design services are provided to assist you so that all elements from the rugs to the furniture and lighting to the accent decor pieces all work together to create the perfect environment.

    Whether you are a home owner looking for just the perfect accent, or a developer seeking to make a unique statement for a commercial site, Hill Country Interiors is the Furnishing Solution of Choice!


    The Interior Design Institute – United States, new interior design.

    #New #interior #design


    Interior Design Course

    Download our free prospectus

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    Cutting edge online course in Interior Design

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    Portfolio

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    Facebook

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    Personal Tutor

    Personal tutor to assist you and mark your assignments

    You study at home, in your own time and at your own pace.

    Find us on social networks

    The Course

    Course Outline

    Advanced Modules

    New interior design

    The Institute

    Accreditation

    New interior design

    The Author

    New interior design

    New interior design

    New interior design

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    New interior design

    Our Tutors

    New interior design

    Leigh Romanello

    Leigh has completed hundreds of projects, including both commercial and residential; as well as historical and new construction.

    New interior design

    Wendi Snyder

    Today Wendi works as a tutor for The Interior Design Institute as well as running her own interior design company and consulting on predominantly domestic projects, specializing in kitchen, bathrooms and color schemes.

    New interior design

    Evette Annandale

    Today Evette’s consultancy specializes in conceptual, retail and office design, taking pride in high level technical details merging effortlessly with art and design.

    New interior design

    Sophie Seeger

    Sophie Seeger runs Seeger By Design, a creative consultancy for Interior Design, Decorating, Property Styling, Color Consulting and Art Sourcing.

    Student Testimonials

    New interior design

    Abby Rutman

    If you also have that doubting voice in your head, I strongly suggest you tell it to take a back seat, because you’re about to start something amazing for yourself. Thank you IDI! I truly loved this experience.

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    Maharoo Khalid

    Studying with Interior Design Institute has been a phenomenal and informative experience for me, it gave me the platform to turn my passion into something that I love and enjoy doing so much, into a career.

    New interior design

    Beth Lin Silverstein

    This well thought-out, logically-presented series provides any self-motivated student a wealth of resources, information, and guidance to educate themselves (via online interaction) in the exciting field of Interior Design.

    New interior design

    Andrew Scherr

    This course brings enough knowledge to those people who just want to be creative when re-designing their personal or friend’s residential space and it forms the foundation for people who want to continue the study to become a professional Interior Designer.


    New York Insurance Discounts: New York Car, Home – Life Insurance, Farmers, car insurance in new york state.

    #Car #insurance #in #new #york #state


    New York Insurance Discounts

    We may argue over the best slice of pizza in town, but New Yorkers can agree on who’s got smart insurance coverage at smarter prices.

    Save on Quality Coverage in a New York Minute

    Auto Insurance Discounts

    From the Five Boroughs up through Watertown, Albany across to Buffalo, Farmers Auto discounts have NY covered. Learn about the different ways Farmers helps you save on great Auto insurance in New York.

    Discounts for the Family

    • Bundle Discounts – New Yorkers can bundle their Farmers policies and save with multi-policy discounts. Protect all of your important investments with Farmers Auto and any of the following policies and you may save on great comprehensive coverage:
      • Home
      • Renters
      • Mobile Home / Specialty Dwelling
      • Farmers Specialty (Motorcycle, boat, motor home, etc.)

  • Distant Student – Farmers can reduce your auto insurance premium if your child goes to school at least 100 miles away from your home, and doesn’t have regular access to the covered car.

  • Multi-Car – Earn an additional rate discount when you cover more than one vehicle on the same Farmers Auto policy.

  • Teen Driver – If you’ve had a Farmers Auto policy for at least 2 years and want to add your teenage child or grandchild to your policy, we’ll discount your rates.

    Planning Ahead Discounts

    • Alternative Fuel – Driving a hybrid or other alternative fuel car is a great investment in your gas budget and the environment. That’s why Farmers discounts your policy if you insure one.

  • Electronic Funds Transfer (EFT) – Pay your premiums with our Automatic Electronic Funds Transfer (EFT) and we can discount your rate.

  • Homeowner – New York policyholders are eligible for an additional discount if they own their home.

  • Pay In Full – Reduce your rates when you pay your entire term premium in one lump sum.
  • Classroom Discounts

    • Accident Prevention – Successfully complete a state-approved Defensive Driving course and present your certificate to earn this safe-driving discount! Available to drivers of all ages, this discount is valid for 36 months, so if you’ve finished a course recently, please let us know.

  • Good Student – Students who keep their grades up in school are eligible for a discount on their auto insurance. This discount applies to any of the following:
    • High school student with at least a B average
    • College student with a 3.0 (out of 4.0) grade point average or higher
    • Dean’s List or Honor Roll student
    • Student ranked in the top 20% of their class or in the top 20% in national standardized tests

    Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

    Defensive Driving Discounts

    • Anti-Lock Brakes – This discount rewards drivers who choose vehicles with factory-installed Anti-Lock Braking Systems (ABS).

  • Anti-Theft – Protect your vehicle with car alarms, or similar anti-theft devices, and we’ll discount your Auto insurance rates.

  • Daytime Running Lights – Vehicles with daytime running lights are significantly easier to spot on the road and help improve driver visibility too. That’s why, in New York, having them in your vehicle makes you eligible for an additional Auto insurance discount.

  • Homing Device – Vehicle recovery devices like LojackВ® can help find your car if it’s stolen, which is why Farmers discounts your rates if you use a qualified homing system.

  • Passive Restraint – Automatic seat belts and air bags are installed in almost every modern car in the country because they’ve been proven to save lives and reduce injuries in an accident. That’s why Farmers discounts your rate if your car is installed with them.

  • VIN Etching – Etching your Vehicle Identification Number (VIN) in your windshield, glass, and other required areas is a great way to prevent car theft and helps in recovering your vehicle if it or any part of it is ever stolen. Farmers discounts your premium rates if you choose VIN etching.

  • NYU Forensic Psychology

    #psychology, #nyu, #nyu, #new #york #university, #psych


    #

    FORENSIC PSYCHOLOGY AREA OF FOCUS

    Please note: The Forensic Psychology area of focus is an informal track within the General MA Psychology Program. If you are a prospective applicant interested in the Forensic area of focus, you should apply directly to the General MA Psychology Program and write in your statement of purpose that your interest is in Forensic Psychology.

    • Forensic Program Description
    • Forensic Course Requirements
    • Forensic Graduation Requirements
    • Forensic Faculty

    FORENSIC PSYCHOLOGY MA AREA OF FOCUS PROGRAM DESCRIPTION

    The NYU General Master’s Degree area of focus in Forensic Psychology focuses on the intersection between psychology and the justice system. Forensic Psychology is the professional practice by psychologists within the areas of clinical, counseling, school, or other specializations of psychology, when providing professional psychological expertise to the judicial system.

    The three areas of knowledge required for the practice of forensic psychology are:

    1. Clinical (e.g. diagnosis, treatment, psychological testing, prediction and intervention measurement, epidemiology of mental disorders, ethics)
    2. Forensic (e.g. response style, forensic ethics, tools and techniques for assessing symptoms and capacities relevant to legal questions)
    3. Legal (e.g. knowledge of law and the legal system, knowledge of where and how to obtain relevant legal information).

    Career pathways with the Forensic Psychology area of focus include: academic researcher, consultant to law enforcement, correctional psychologist, evaluator for criminal or civil cases, expert witness, treatment provider, trial consultant, among many others.

    Note: The area of focus in Forensic Psychology is available as an informal track that does not appear on students’ transcripts. For more information on the field of Forensic Psychology, including career opportunities, we recommend looking into APA’s Forensic Psychology Specialty .

    FORENSIC PSYCHOLOGY COURSE REQUIREMENTS

    In the context of the broader requirements of the MA program, the suggested 36-credit curriculum with a forensic psychology area of focus is below. Note that the curriculum is flexible, and students will work individually with a faculty advisor to develop a study plan tailored to their specific career goals in Forensic Psychology.

    The Graduate School of Arts and Sciences does not allow students in the MA program to take undergraduate courses. All courses must be graduate level. Graduate courses offered by other NYU departments or schools (referred to as “cross-registration”) should be discussed with your advisor in advance of registration to assess relevance to the MA Psychology degree specifically. Typically no more than three courses can be taken in other NYU departments or schools. No more than three courses may be transferred in from outside universities, and these classes must be equivalent to graduate-level classes offered in the NYU Psychology Department.

    Required Foundation Courses – 6 credits

    1. Statistics
    2. Research Methods and Experience or Clinical Research Methods

    Required General MA Core courses – 9 credits
    (choose at least three, including at least one Core A, and at least one Core B):

    *Students may take EITHER Affective Neuroscience OR Cognitive Neuroscience towards the Core A or Core B requirements. If a student takes both, one will count as an elective.

    Required Forensic Psychology Core Courses – 12 credits (choose at least four)

    1. Basic Forensic Psychology (required unless waived by instructor or MA Director)
    2. Advanced Forensic Psychology
    3. Forensic Assessment
    4. Psychology of Violence
    5. Traumatic Stress Reactions
    6. Criminal Behavior and the Prison Systems

    Elective Forensic Psychology Courses – 3 credits (choose at least one)

    1. Personality Disorders
    2. Psychology of Addiction
    3. Foundations of Psychopathology
    4. Theories of Personality
    5. Social Psychology

    A total of 9 credits (3 courses) of electives must be taken in addition to the above Foundation, Core, and Forensic Core courses. One of these elective courses (3 credits) must be taken within the Psychology Department. The other two can be taken across other schools/departments at NYU. Exceptions require advisement permission.

    Electives in other departments and schools at NYU

    As the largest private University in the country, NYU has multiple Schools, Centers, and Departments with psychology related courses. You may take up to two elective courses from other divisions of NYU to broaden your perspective on the topic. Note: some schools/departments have limitations on enrollments so it is recommended to register early and/or speak with each department/school as needed to understand requirements for cross-registration. Because schools continuously update their offerings, please check their catalog or website.

    FORENSIC PSYCHOLOGY GRADUATION REQUIREMENTS

    Comprehensive Examination. A separate written comprehensive examination, similar to the one that is given to General MA students, is offered three times a year, on the first Fridays of the following months: October, February, and June. The “comps” exam for the Forensic Psychology area of focus requires studying from, and taking, the following 3 question sets:

    1. The Forensic Question Set
    2. The Core A Question Set (choice of one Core A subject)
    3. The Core B Question Set (choice of one Core B subject)

    OR

    MA Thesis. Instead of the Comprehensive Examination, the student may seek permission to write an MA thesis. For such permission to be granted, the student must demonstrate an outstanding record of performance in his or her studies and, as a minimum, must have completed all of the core requirements with at least a B+ average in all core courses. The student must also secure the sponsorship of a full-time faculty member in consultation with the MA director.

    NYU MA FORENSIC FACULTY

    • Virginia Barber Rioja
    • Pamela Karp
    • Jessica Pearson
    • Susanna Preziosi
    • Margaret Rombone
    • Barry Winkler

    Our forensic professors are all licensed psychologists with active clinical practices and/or research programs. Some hold law degrees and other postdoctoral credentials. They have extensive experience in outpatient and inpatient clinical-forensic assessment and psychotherapy. As a group, they have worked with multiple populations and disorders: violent offenders, sexual predators, stalkers, substance abusers, trauma victims, and pathological family systems (including domestic violence, child abuse, and delinquency). Beyond the basics, their diverse experiences include police and detective work; psychological evaluation of police; civil and criminal law practice, expert witness work, forensic media consultation, and published social science research.

    As the largest private University in the country, NYU has multiple Schools, Centers, and Departments with forensic interests and courses. There are multiple opportunities to absorb and integrate the broader multidisciplinary field of forensics. This includes the physical and social sciences (e.g. biology, anthropology, criminology); clinical practice (social work, psychiatry); media studies (the CSI phenomenon: creative journalism); computer science (cybercrime); business (forensic accounting); and the arts (e.g. forensic graphics for law enforcement agencies). Other relevant disciplines include politics and foreign languages (the most recent CIA employment openings for psychologists specify profiling of foreign leaders and governments). Finally, the prestigious School of Law at NYU is affiliated with the interdisciplinary Law and Society MA Program within the Graduate School of Arts Science, where qualified forensic psychology students can take courses.


    New Braunfels Personal Injury Attorney

    #new #braunfels #personal #injury #attorney, #new #braunfels #injury #lawyer, #new #braunfels #divorce #lawyer, #car #accidents, #truck #accidents, #dog #bites, #nursing #home #abuse, #medical #malpractice, #san #marcos, #seguin, #new #braunfels, #law #firm, #attorneys, #lawyer, #family #law, #child #custody, #child #support, #business #litigation, #business #law


    #

    New Braunfels Personal Injury Lawyer

    Car Accidents and Wrongful Death

    Many trial lawyers agree that South Central Texas is one of the best places in the state to pursue negligence cases in court. Insurance companies know that area jurors tend to be sympathetic to victims, so many cases settle rather quickly and on very favorable financial terms. Of course, not every case settles right away. However, the aggressive attorneys at The Bettersworth Law Firm do not lose heart. Instead, we fight for you during the preliminary hearings, throughout the discovery phase, and all the way to trial. All the while, we remain open to settlement on favorable terms and always promptly keep you informed about important developments in your case.

    We advocate for clients in cases of drunk driving, hit-and-run, and distracted driving. Commercial (semi) trucks accidents are particularly dangerous. Negligent truck drivers create liabilities for themselves and trucking companies. Restrictions on hours driven per day and maintenance requirements are often ignored. Motorcyclists are 26 times more likely to die in collisions then cars and will likely need significant financial compensation.

    Business and Fraud Litigation

    In addition to consumer-related practice areas, The Bettersworth Law Firm assists the business community and investors with contract or fraud-related concerns including:

    Our skilled team is able to help businesses achieve results that will achieve or exceed expectations. Through intense preparations and detail-oriented planning, we are able to offer the best possible case results to corporate entities.

    Experienced New Braunfels Divorce Lawyer

    Life-changing family matters are emotional with long-term consequences. We guide you through mediation, collaborative services or litigation based on your unique needs and goals. Our attorneys assist clients with the following:

    • Child Issues – Child custody, child support, visitation, and other child-related matters.
    • Uncontested Divorce – When a separating couple is able to negotiate terms that are satisfactory to both parties.
    • Grounds for Divorce – In no-fault instances, the marriage is insupportable or irreconcilable. Others include cruelty, adultery, abandonment, felony conviction, confinement, or living separately.
    • Property Division – Assets are deemed community property unless they are separate property, meaning owned before marriage, acquired as a gift, or from a descendant or injury settlement.
    • Spousal Maintenance – Court orders awarding regular payments from a spouse to support the other.
    • Domestic Violence – Victims may receive court protection orders restricting communication, residence access and may establish temporary financial arrangements

    I just wanted justice for my mother

    Thank you so much for all of your help and assistance with her case. I simply wanted the Doctor to think twice next time he treated a patient. Because of your help with my case, I feel like we have made a difference and probably saved lives.

    You guys are awesome

    Thanks for all of the help that you have provided to my family. We will be forever grateful.

    James Bettersworth is a true professional

    who demonstrates great integrity as he zealously works to take care of every client’s legal needs.

    We just want to thank you

    We are so grateful for all the hard work. You were more than just an attorney and I feel that you are a friend. Both you and your staff will always have a place in our heart.

    From our offices in New Braunfels and San Marcos. we represent clients throughout South Central Texas including the cities and counties of Austin, Canyon Lake, Sattler, Startzville, Smithson Valley, Browsville, Bulverde, Garden Ridge, Spring Branch, Comal County, Kyle, Buda, Hays County, Seguin. Cibolo, Schertz, Selma, Guadalupe County, San Antonio, Bexar County, Boerne, Kendall County, Kerrville, Kerr County, Bandera, Bandera County, Fredericksburg, Gillespie County, Johnson City, Blanco, Blanco County, Austin, Travis County, Bastrop, Bastrop County, Lockhart, Caldwell County, Gonzales, Gonzales County, Floresville, Wilson County, Jourdanton, Atascosa County, Pearsall, Frio County, Hondo, Medina County, Tilden, McMullen County, Cotulla, LaSalle County, Laredo, Carrizo Springs, Dimmit County, Crystal City, Zavala County, Uvalde, Uvalde County, Bracketville, Kinney County, Rock Springs, Maverick County, Del Rio, Val Verde County, Sonora, Sutton County, Junction, Kimble County, Menard, Menard County, Mason, Mason County, Burnet, Burnet County, Georgetown, Williamson County, Harris County, LaGrange, Fayette County, Llano, Llano County, Giddings, Lee County, Columbus, Colorado County, and Webb County.

    2017 The Bettersworth Law Firm 110 West Faust Street, New Braunfels, TX 78130 830-606-0404


    NYS Medicaid Pharmacy Prior Authorization Programs

    #new #york #medicaid, #medicaid, #new #york #medicaid #pharmacy #prior #authorization #programs


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    NYS Medicaid Pharmacy Prior Authorization Programs

    Latest News

    Pharmacy Update

    For more information on new legislation enacted to help combat the NYS heroin epidemic see the following Medicaid Update articles:

    August 2016
    New Legislation Enacted for Drugs Used for Detoxification or Maintenance Treatment of Opioid Addiction for Medicaid Fee-for-Service & Medicaid Managed Care Beneficiaries p.24
    http://www.health.ny.gov/health_care/medicaid/program/update/2016/aug16_mu.pdf

    December 2016
    New Legislation Regarding Emergency 5-Day Supply of Drugs used to Treat Substance Use Disorders in Medicaid Fee-for-Service (FFS) & Medicaid Managed Care p.4
    http://www.health.ny.gov/health_care/medicaid/program/update/2016/dec16_mu.pdf

    This legislation can be found on the NYS legislature website law section under Insurance law section 3216, 3221 and 4303. Social Service Law section 365j. Public Health Law section 273, 3331.
    http://public.leginfo.state.ny.us/lawssrch.cgi?NVLWO:

    Medicaid Preferred Drug Program
    • Please review recent changes to the Brand Less Than Generic Program .
    • Please review recent changes to the fee-for-service pharmacy program which are the result of recommendations made by the Drug Utilization Review Board (DURB).
    • Please review recent changes to the fee-for-service pharmacy program which are the result of the dose optimization initiative .

    Welcome to the NYS Medicaid Pharmacy Prior Authorization Programs Web site.

    The Preferred Drug List also includes links to the DUR program web site for drugs/drug classes within the Preferred Drug Program that are affected by step therapy and F/Q/D requirements.

    The Preferred Diabetic Supply Program (PDSP) covers blood glucose monitors and test strips through the use of a preferred supply list (PSL). Review recent changes to the program.

    Services Available
    • To obtain a prior authorization call 1-877-309-9493.
    • Sign up to receive e-mail notifications on New York Medicaid PDL changes .
    • A revised Enrollee Brochure in a number of different languages is available for download. Or, if you would like to place a brochure order, contact us .

    You will need Adobe Reader to view any printable PDF document(s).
    Click the button to the left to download a free copy of Adobe Reader.


    School of Medicine – LSU Health New Orleans

    #art #school #new #orleans


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    School of Medicine

    Welcome to the Louisiana State University School of Medicine in New Orleans. I hope you will take this opportunity to explore this site and discover the multi-faceted nature of our dynamic community. It is a place where you will find a conclave of distinguished scientists, outstanding healthcare professionals, their skilled staffs and our motivated students, all united in the vigorous pursuit of excellence in education, patient care, research and service to the community.

    Today more than at any other time, our school has established itself as a clear leader in educating the physicians of tomorrow. Through systematic self-assessment, we have made comprehensive modifications to our curriculum as exemplified by our state-of-the-art Student Learning Center. Here students learn in small groups and from the beginning are taught the connections between the basic sciences and clinical practice. Through advanced simulation technologies, our learners practice difficult procedures before they perform them on patients. With distance learning and telemedicine technologies we network with our students and residents in outlying hospitals as they benefit from the multiplicity of experiences that come with serving a broad geographic area.

    Since its inception some 75 years ago, our school of medicine has maintained a deep commitment to serving all patients, particularly the underserved. We are aligned with the LSUHSC Health Care Services Division which consists of nine hospitals throughout the state. Through this important relationship, our faculty and house staff provide quality medical care to the residents of Louisiana regardless of income or insurance coverage. Simultaneously, our partnerships with the LSU Healthcare Network and local private hospitals supply outstanding care to a growing population of private patients. These wide ranging medical services support the people of our state while providing the backdrop for a broad and comprehensive clinical education for our students and residents in training.

    We live in a time of extraordinary advances in the biological sciences. Here at the LSU School of Medicine our researchers continually push at the edges of medical knowledge. We are continuing an active recruitment of both clinical and basic science faculty with a resultant increase in extramural grant funding. Through our many Centers of Excellence we collaborate across specialties by bringing the finest scientific minds to bear on creative and exciting new methods for improving the delivery of patient care and the quality of life for all people.

    On behalf of our entire academic community, welcome and thank you for your interest in the LSU School of Medicine in New Orleans.

    Steve Nelson, MD
    Dean, LSUHSC School of Medicine

    Office of the Dean

    Who we are and what we do

    LSU Medicine News


    Best Divorce attorney in Denver, CO

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    • Divorce Family Law
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    Insurance Grace Period

    DEFINITION of ‘Insurance Grace Period’

    A period of time after the premium due date in which a policyholder is able to make a premium payment without the insurance policy coverage lapsing. The insurance grace period can vary depending on the insurer and policy type. Depending on the insurance policy, the grace period can be as little as 24 hours or as long as 30 days. The amount of time granted as an insurance grace period is indicated in the insurance policy contract. Paying after the due date may attract a financial penalty from the insurance company.

    BREAKING DOWN ‘Insurance Grace Period’

    Insurance grace periods protect policyholders from immediately losing coverage in the case that they are late on paying their premiums. Regulations covering insurance grace periods, including how long they have to last across policy types, are managed by states. Some states may allow insurers to drop policyholders immediately and without advanced notice if premiums are not paid on time.

    Insurance companies want the insurance grace period to be as short as possible in order to prevent a situation from arising in which do not received a premium payment but still have to cover damages. As long as the insurance grace period is in effect the insurer will be responsible for paying providers for any services they render to the policyholder.

    For example, a homeowner has a flood insurance policy on his home in a flood-prone area. The policy premium due date is set to April 1 st. and the homeowner must pay the premium in order to have coverage for an additional year. The homeowner writes a check on March 28 th but forgets to put it in the mail, only realizing the mistake on April 3rd. On April 4 th a flood causes significant damage to the basement. If the policy did not have an insurance grace period the insurer would consider the coverage lapsed on April 2 nd. and would not cover any of the damage resulting from the flood. If the policy does have a grace period that extended to April 3 rd then the policy would cover the flood damage.


    Best Car accident lawyer in San Francisco, CA

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    It could be the beginning of an exciting career. See our current openings

    This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.

    Disclosures

    State Farm Bank, F.S.B., Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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    Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

    Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

    State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

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    Car Insurance Quotes – Auto Insurance, Progressive, new jersey auto insurance.

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    Car Insurance

    Get a quote you could save $620 *

    Ways you can save on car insurance with Progressive

    More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

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    Save another 5% or more on your auto insurance when you combine with home, renters or condo.

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    Snapshot is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

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    Try Name Your Price

    Try the Name Your Price Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

    Auto insurance coverages we offer

    Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

    Keep in mind, coverage offerings can vary by state.

    Liability (bodily injury and property damage)

    Covers damages you cause to others

    If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

    Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

    Comprehensive and collision

    Covers damage to your car

    These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

    Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

    Uninsured/underinsured motorist

    Covers your injuries and damages

    These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

    Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

    Medical payments

    Covers your injuries

    Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

    Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

    Rental car reimbursement

    Covers rental car fees

    Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

    Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

    Loan/lease payoff

    Helps pay off your loan when your car is totaled

    Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

    Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

    Progressive guarantees repairs

    Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

    Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

    Most love us! And we think you will too.

    4 out of 5 recommend Progressive car insurance

    It’s not just because of the savings when you start your policy. It’s also because we’re always working to find more discounts (even after you start your policy) and provide 24/7/365 customer support.

    Get an auto insurance quote online or call for advice

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    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    Mobile rates are for policies purchased directly from Progressive.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Discount varies and is not available in all states or situations

    The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

    Discounts not available in all states and situations

    You’ll get more information when you quote. All coverages subject to policy terms and conditions.

    National survey of new Progressive auto customers in 2015.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


    New York Teacher Assistant Training Programs and Schools, paralegal schools in new york.

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    Teacher Assistant Schools and Programs in New York

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    Teacher assistants go by many names: paraprofessional, teacher’s aide, paraeducator, and instructional aide. Typically, the teacher provides initial instruction on concepts, and the teaching assistant reinforces these lessons by working with students in small groups or one-on-one.

    In addition, the teacher’s assistant helps with record keeping, prepares instructional materials, supervises students and enforces school rules, and may grade papers and tests. If you enjoy working with children and believe in the value of education, a career as a teaching assistant may be the job for you.

    New York Teacher Assistant Schools

    The New York Department of Education requires all teacher assistants to have certification. Formal education helps prepare hopeful teaching assistants for certification.

    • Hudson Valley Community College: This school offers a Teaching Assistant Certificate, and includes online, distance learning opportunities. Coursework transfers to four-year universities, for students interested in pursuing a higher degree.

    What to Expect from New York Teacher Assistant Programs

    All of these programs are designed to prepare graduates to pass Level III certification by the New York Board of Education. Students develop the following core competencies:

    • Reading, writing, and math skills
    • Psychological development in minors
    • The responsibilities of a teacher assistant
    • Effective collaboration with an education team
    • Providing effective instruction

    In addition, students receive preparatory instruction in taking and passing the New York State Teacher Certification Assessment of Teaching Assistant Skills Exam.

    New York Teacher Assistant License

    New York does not require licensing, but it does have a teaching assistant certification requirement. Certification includes four levels:

    • Level I: entry-level certification that allows the TA to provide instruction under the supervision of a licensed, certified teacher. It is valid for three years and renewable for three years, until the TA meets Level II requirements.
    • Level II: second-level certification, allows the TA to provide instruction under the supervision of a licensed, certified teacher. It is valid for three years, but not renewable, and leads to Level III certification.
    • Level III: third-level certification, allows the TA to provide instruction under the supervision of a licensed, certified teacher. It is valid for five years continuously, if professional development requirements are met.
    • Pre-Professional: advanced-level certification that allows the TA to provide instruction under the supervision of a licensed, certified teacher. It is valid for five years and is renewable with continuing education requirements.

    Teaching assistants must also complete the following:

    Resources for Teacher Assistants in New York

    Teacher assistants in New York have online resources available for information and up-to-date news in their career.

    Selected Teaching Assistant Training Schools in New York

    Click the Request Info buttons to request more information from a representative at the school.


    New York Car Insurance – Compare Best Car Insurance Companies, new york car insurance rates.

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    New York Car Insurance

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    Many different types of car insurance are required to drive in New York. Here we explain minimum New York car insurance requirements, how to buy the best coverage for your needs and how NY insurance laws work. You can also find out what cheap car insurance in New York will cost compared to full coverage, what the average rates are for your area and how to get car insurance discounts.

    When shopping for car insurance, use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable price is in your area. For a more customized rate, choose from among six age groups and three coverage levels.

    The average car insurance rate in New York is $1,759 a year. The severity and frequency of claims in your neighborhood, your driving record, the type of car you drive and other variables are used by insurance companies to figure out the cost of your policy. That s why the price for the same coverage can vary significantly among insurance companies and why you should compare rates. For example, you could pay $3,146 more for the same policy in Manhattan ZIP code 10120 if you don t shop around. Here s why: the highest rate among six carriers is $4,305, the lowest is $1,159.

    Cheap car insurance in New York

    New York car insurance requirements

    If you opt to buy the cheapest car insurance policy possible, buy the least amount of coverage you need to drive, as explained below:

    Drivers must have minimum liability coveragelimits of 25/50/10 under New York car insurance laws. This coverage pays for others injuries and damage to other drivers cars when you cause an accident.

    Personal injury protection (PIP) is also required. It covers you, your passengers and other authorized drivers of your car who are injured while in your car. PIP also covers you and your family members if you are injured while riding in someone else’s car or if struck by another vehicle while on foot. PIP is sometimes called no-fault insurance because it kicks in regardless of who is at fault. You must have $50,000 in coverage.

    Uninsured motorist bodily injury covers medical expenses for you and your passengers if injured when hit by a driver with no insurance. You must have 25/50 coverage. This means your insurer pays up to $25,000 per person and $50,000 in total if there are two or more people injured.

    It does cost more to buy more protection, but as you ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $947 more, or $79 a month. For just $67 a year you can raise your liability limits.

    $500 Comp/Collision deductible

    *The table shows the average annual rate of nearly every ZIP code in Massachusetts from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

    Recommended car insurance coverage

    Drivers who buy the cheapest car insurance in New York may be taking a big gamble. If you get into an accident, your assets are at risk if you have basic car insurance. Even a minor incident can cost much more than what your minimal insurance will pay out. For instance, say you have New York s minimum of $25,000 in bodily injury coverage and $10,000 in property damage. Then you cause a crash that totals the other driver s car, valued at $25,000. It also results in $45,000 of medical expenses for his injuries. You re responsible for damages not covered by insurance. That means you have to pay $20,000 out-of-pocket for medical bills and $15,000 for the damaged car a total of $35,000.

    Liability

    We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

    • less than $50,000, choose at least 50/100/50
    • between $50,000 and $100,000, choose at least 100/300/100
    • more than $100,000, choose at least 250/500/100

    If you’re leasing or financing your car, you must get coverage of 100/300/100 or higher.

    Collision and comprehensive

    These are optional coverages and fairly affordable to add to a policy. Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. New York drivers pay an average of $355 a year for collision and $156 for comprehensive.If your car is:

    • less than 10 years old, you should strongly consider buying collision and comprehensive.
    • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn t afford to replace your car if it s wrecked, or if you just want more protection on your policy.

    Uninsured/underinsured motorist

    These coverages are required in New York and should match the liability limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you re hit by a driver with no insurance or a driver with coverage that s insufficient to pay for your repairs and medical expenses.

    Medical coverage (MedPay)

    Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. MedPay is optional in New York and not a must-have coverage, because your PIP protection takes care of the same expenses as MedPay. However, one benefit of MedPay is that there is no deductible and it can help defray health insurance costs. MedPay does the following:

    • Covers you and your passengers medical expenses
    • Pays for expenses after health insurance limits are exceeded
    • Offers additional protection to insured drivers who are hit by a car while walking or biking

    If you and your passengers:

    • Don t have health insurance, or have a plan that doesn t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
    • Do have health insurance, it s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

    Gap insurance

    If you don t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

    • If you re financing your car, your car is less than one year old and you ve put less than 20 percent down on it, you should buy gap insurance. If not, you don t need gap insurance.
    • If you re leasing your car, it s a good idea to buy gap insurance if you aren t already required to in your lease agreement.
    • If you own your car outright, you don t need gap insurance.

    New York car insurance rates by company

    Below you’ll see average annual rates for New York, ranked cheapest to most expensive, for three coverage levels:

    • State minimum liability requirements
    • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
    • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

    NEW ORLEANS, LA Insurance Agents, Travelers Insurance, auto insurance new orleans la.

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    Louisiana s auto insurance rates now highest in the country, auto insurance new orleans la.

    #Auto #insurance #new #orleans #la



    Louisiana’s auto insurance rates now highest in the country

    Auto insurance rates have climbed steadily in Louisiana since Hurricane Katrina and are now the highest in the nation, with the average driver paying an annual premium of $2,510, according to a new study by the Web site Insure.com.

    The data confirms a trend thoroughly documented by the National Association of Insurance Commissioners.

    The NAIC only has data through 2007, but its more comprehensive analysis shows a clear trend of Louisiana auto insurance prices worsening relative to other states. From 2003 to 2005, Louisiana ranked fourth in the country in average auto insurance premiums and expenditures. In 2006, the state jumped to third place. In 2007, Louisiana advanced to second place, with average auto insurance expenditures at $1,262. The NAIC and Insure.com used different ways of calculating car insurance premiums.

    Louisiana drivers also pay much higher rates than their peers in nearby states. In Mississippi, drivers paid an average of $814. In Texas, with its large cities and crowded freeways, the average was $955, still 24 percent lower than Louisiana.

    Theories abound as to why the state’s insurance rates are so high. Some point to the litigious nature of Louisiana and poor driving habits. Others wonder about the rate of car thefts and vandalism.

    Insurance Commissioner Jim Donelon said the problem of high auto insurance rates in the state is not new; the state has been in the top 10 of car insurance prices for at least the two decades he has been monitoring the numbers.

    He said the problem is not that Louisiana car insurance rates have gone up in any significant way, it is that rates in other states have gone down.

    According to NAIC, places with high auto insurance rates tend to be highly urbanized, such as the District of Columbia where many miles are driven on a limited number of roads, increasing the potential for collisions. High auto insurance rate states also tend to be ones with plaintiff-friendly court systems that yield higher settlements.

    In Louisiana, judges are elected, personal injury lawyers advertise heavily on television and the sides of buses and the state has a direct-action law, allowing people to sue insurers directly.

    “I think here, more than anywhere, it’s a litigious society, even on these little fender benders,” said Chris Paulin, who is vice president of Insurance Underwriters Ltd. in Metairie and president of the local chapter of the Independent Insurance Agents and Brokers of Louisiana.

    The state’s relatively poor population could also make people more inclined to sue or wring everything they can out of an insurance policy. About 12 percent of Louisiana motorists have no car insurance, and another 40 percent of Louisiana drivers have only the required minimum levels of coverage. That means that, taken together, half of the state’s drivers are essentially saying through their insurance choices that they have no assets to protect. Meanwhile, about 19 percent of Louisianans have no health coverage, making them more likely to pursue an injury claim if they are in a wreck.

    Indeed, according to the Insurance Research Council, Louisiana is different from other states in that people tend to make claims for bodily injuries even if those injuries are not that bad. “While the severity of the claims in Louisiana is not unusual — in fact it’s a little lower than the countrywide average — Louisiana has the highest frequency of bodily injury claims,” said David Corum, vice president of the Insurance Research Council.

    The national health care legislation and a state law that took effect Jan. 1 setting higher minimum standards for liability coverage could start to change that. The floor for auto insurance used to be $10,000 for per person bodily injuries, $20,000 for all injuries in the car and $10,000 for property damage. Now, the minimum levels are $15,000 for injuries per person, $30,000 for everyone in the car and $25,000 for property damage.

    Richie Clements, an insurance agent from Chalmette who is the national director for Professional Insurance Agents of Louisiana, said he has seen rates go down during the past four or five years with enhanced competition among auto insurance writers. He said he does not think the state hase seen the bottom.

    Clements said there is more room for improvement by focusing on driver habits and general conditions for safe driving in the state. He said many of Louisiana’s thousands of railroad crossings do not have cross arms, many people do not wear seat belts and, lots of people do not make complete stops or use their turning signals. He also questions whether the state needs to be more vigilant about testing drivers, enforcing safe-driving rules and improving roads.

    “How many times is it that you’re getting ready to make a turn and you’re the only one who seems to know how to use a turn signal? What about rolling stops?” Clements said.

    Finding a dealDonelon, who has been running the insurance department since the beginning of 2006, said he has been trying to attack the problem through competition and regulatory reforms to make Louisiana a more attractive place for insurers to do business. He said abolishing the Louisiana Insurance Rating Commission at the end of 2007 — the most recent year of the NAIC statistics — should start to make a difference. About two dozen new auto insurance companies have come into the state in the past few years, Donelon said, and now that companies feel they can get a fair hearing from the insurance department on rates, they may be more inclined to lower them.

    Donelon said if people take the time to shop around or buy policies with higher deductibles, most will find better deals.

    “I firmly believe that competition — and we are seeing more auto insurers come on a regular basis — is the best way to protect consumers,” Donelon said. “It has not turned our costs around yet, but it has stabilized our insurance costs.”

    Some have questioned whether replacing the rating commission with a “file and use” system, where companies file plans to change rates that automatically take effect in 45 days unless the Louisiana Department of Insurance raises concerns, has allowed insurance companies to gouge people on car insurance rates. However, statistics do not seem to bear that out. The rate filings by the state’s largest auto insurers, which are available on the insurance department’s Web site, do not reveal any major rate hikes. And, according to the NAIC, it has not seen any evidence of excess profits among auto insurers in Louisiana.

    In fact, Donelon said the problem of high car insurance rates is not universal; the highest rates are concentrated entirely in the New Orleans metropolitan area.

    Alarmed by the NAIC auto insurance rankings, Donelon asked his actuarial staff to look at prices on a parish-by-parish basis. What they found is that the only places where premiums were more than 10 percent above the statewide average were in Orleans, St. Bernard, Plaquemines and Jefferson parishes.

    Those also happen to be the areas hardest hit by Hurricane Katrina. About $2.2 billion worth of cars were lost during Hurricane Katrina across all states affected by the storm, according to the Insurance Information Institute, including about 300,000 in Louisiana. Several insurance groups said overwhelming auto losses after Hurricane Katrina probably had some effect on prices, but would not be the dominant factor driving auto insurance rates in the state.

    Areas hard-hit by recent hurricanes are also among the places where road conditions have sharply deteriorated. Donelon said he believes that car thefts and vandalism in the New Orleans area are also factors.

    Another culprit in high auto insurance prices could be homeowners insurance. With so many people having trouble finding residential coverage outside of the state-sponsored Louisiana Citizens Property Insurance Corp., private insurers have had more leverage and have often required customers to buy car insurance from them if they want homeowners coverage. It is possible that more consumers in coastal areas either have been unable to comparison shop for car insurance or were afraid to do so.

    “I urge consumers to shop their auto insurance, because the overwhelming majority can save money,” Donelon said.



    Car Loan – New & Used Car loans in India November 2017, new car loans.#New #car #loans


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    Features of Car loans:

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    A tax deduction may be applicable if the vehicle is to be used for business purposes

    Almost everyone with a Permanent Income can apply for a car loan

    Some banks offer up to 100% of car finance on ex-showroom price and generally upto 85% of car finance on ex-showroom price is available.

    Very low processing fees and prepayment charges.

    Check your Eligibility for a Car loan:

    Kind of employment

    Period of employment

    Previous running EMI’s and CIBIL score

    Car loan interest rates can be vary from user-to-user based on different parameters. Some of these factors are:

    1. Banks give lower interest rates to the employees who have salary accounts with the same bank.
    2. It gives lower interest rates to employees of top 5000 companies of India.
    3. Based on your income per month you might get some waivers or on the total loan amount you may get cheaper rates.

    Banks giving Car loans in India:

    HDFC Provides a Quick and Easy car loan with Easy Documents, EMI Options and Low Interest Rates… Read More

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    find always ready to resolve the queries even in extended work hours. Without neha I can\ t get this personal loan it has helped in my emergency situation she be calm and be patiently when ever I am calling her for this very good response from her. I am also working in bank but if any of my friends or colleague asked loan I will refer neha number only that much she has did for me

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    Buying a New Car When You Have Bad Credit, new car loans.#New #car #loans


    Buying a New Car When You Have Bad Credit

    Tips for Subprime Car Buyers

    04/25/2014 (updated 01/20/2015) – By Ronald Montoya

    Let’s say you’ve made a few late payments on your bills. Perhaps you have a maxed-out credit card. Or maybe you bought more car than you actually needed and couldn’t keep up with the payments. Hey, it happens. But now it’s time to buy another car and you have serious doubts as to whether you’ll get approved for a loan.

    A few years ago, we tested the theory of buying a debt-free car as an alternative to buying at a used-car lot or a “buy here, pay here” dealership. We concluded that for some, the maintenance and repairs may prove too much for people to handle.

    Buying a new car outright won’t reestablish your credit. You’ll need to take out a loan for that. But what options do you have? The “buy here, pay here” dealerships might be one alternative, but not all of them report your payment progress to the credit bureaus. Plus, you’re still buying a used car that may require repairs. Is a new car out of the question? Not necessarily.

    It is possible to buy a new car with bad credit if you know where to look and how to prepare. Here’s how this kind of car buying works and what to keep in mind throughout the process.

    Why Would a Dealership Finance Your Car?

    How can you buy a brand-new car when you have a spotty credit history? There are a number of reasons why a lender would let someone with a troubled credit history finance a new car.

    From the lender’s perspective, a new car has more value and therefore offers more collateral that can be reclaimed if the buyer fails to make payments. The lender also has the assurance that a new-car buyer will actually keep up with payments. His money won’t be diverted to the costly repairs that sometimes befall older cars.

    From the dealership perspective, a new car is an investment in a relationship that will pay off in other ways later on.

    “Half the time, we’re not making any money on the deals,” says Rinaldi Halim, general manager for Nissan of Duarte, a dealership in Southern California that says it’s proud of the fact it takes on clients in all credit tiers. “We want to have a relationship with that customer,” Halim says.

    One new-car sale won’t yield much (if any) profit, Halim says. But it will pay dividends when customers refer their family and friends, resulting in more car sales, including some that will be profitable for the dealership. The sales also pay off when people get their vehicles serviced in the maintenance department. Years later, the initial customers will likely trade in those “no-profit” cars for new ones. The dealership will sell the initial cars as used ones. And if they’ve been well maintained, they will turn a tidy profit for the dealership.

    If you’re someone who has bad credit but wants to buy new, it is best to start planning for it well in advance, as you would with any major purchase.

    You need to start with your credit report to see how it would look to a lender. Run it at least three months before you plan on buying so you can take action on any outstanding items, recommends Rod Griffin, director of public education for credit reporting company Experian.

    Annual Credit Report.com gives you one free report a year on each of the major credit reporting companies: Experian, Equifax and TransUnion. Take advantage of it.

    Getting your actual credit score typically costs money, but your score will give you an idea of the credit tier into which you fall. Experian defines subprime (which includes deep subprime, as low as you can go) as a 619 score or below on its Vantage scale.

    Once you get the free credit report, pay close attention to the section that points out potentially negative items, also called risk factors. Risk factors could be anything from an old debt that went to collection to a fine you had to pay in a civil court case.

    Rather than viewing them as black marks on your credit, “These risk factors can empower you as a consumer to help rehabilitate your credit,” Griffin says. The risk factors are present in all reports, so if you fix an issue you found on one credit report, the action will be reflected on all the other reports.

    Experian says it offers an added benefit with its credit report and score. For $40, you get your credit score from Experian and a 35-minute session with a credit educator. This person will go over your report and point out items that need attention and give you tips on how to address it.

    Get Pre-Approved and Choose a Dealer

    Because your credit is bad, you will be paying a high interest rate, perhaps as high as 18 percent in California, for example. But some rates still could be better than others. This is why it’s important to seek approval from more than one lender.

    To find out which car dealers may be willing to finance people with iffy credit, pay attention to radio commercials or billboards from dealerships that say things such as “Your job is your credit!” or “Bad credit? No Problem!” These are good places to start. Steer clear of the “buy here, pay here” lots, however, since they don’t sell new cars.

    Many dealership Web sites have credit applications you can fill out online to get pre-approved. If you don’t see the application on the front page, it may be under the “Finance” tab.

    Also, check with your own bank or credit union. They may be more willing to approve you since you already have an established financial relationship with them. You might also try Road Loans from Santander Consumer USA, which specializes in subprime loans.

    Don’t worry that filling out too many loan applications will harm your credit. “Lenders know you are searching for the best rate,” Griffin says. As long as you apply for loans in a 14-day period, they will only count as one “hard” inquiry on your credit report.

    Bring Documents To Show You’re a Good Credit Risk

    When you go into the dealership to talk about financing, you need to bring along some important paperwork. These items will allow a dealership to establish who you are and confirm that you have a job, that you have a history of making monthly payments on time and have friends or family the dealership can contact to find you if you stop making payments. Bring these items with you:

    • The most recent pay stub from your job
    • Your utility bill (gas, water, electricity)
    • Your driver license
    • Three personal references

    Stay in Your Price Range and Look at the Total Costs

    Most people know what they can afford for a monthly car payment. But that sometimes ignores the bigger picture. Just because you qualified to buy a $22,000 midsize sedan doesn’t mean you should buy it. For example, if you scale back and purchase a $17,000 compact sedan, you’ll free up $100 per month. This is money you could use for gas, insurance or to pay other bills.

    “We love our leather seats and sunroofs,” says Griffin, “but when your credit isn’t stellar, it is better to look at a lower-end automobile.”

    Halim gives an example of a deal made for someone with bad credit: a $16,000 Nissan Versa, minus a $1,000 bonus cash incentive, financed for 72 months with $1,000 down. The interest rate would be around 17.9 percent, which would bring the monthly payment to about $354. At the end of the six years, you would have paid $25,485 for that Versa.

    These numbers will vary based on how much you’re putting down, what you’re financing and what you’ve been approved for, but it gives you a rough idea on what this type of deal looks like. A sizable percentage of the loan will be the interest ($9,927 in this example), but this is the reality when you’re borrowing in this credit tier.

    Just remember that it could be worse if you were dealing with a “buy here, pay here” car purchase. While talking to Halim, for example, we heard about a customer who had purchased a car from a “buy here, pay here” dealership and no longer wanted the car. The loan was for $4,200, to be paid over 36 months. The person already had made 22 payments of $322 and still owed $3,800 on the principal, thanks to an exorbitant interest rate. It approached the California legal maximum of 29.9 percent.

    Resist the Urge To Trade Up

    A number of new-car dealerships offer their credit-challenged customers the chance to trade into another vehicle without a significant increase in their monthly payment, provided they’ve made a year’s worth of consecutive on-time payments. While it may be tempting to get out of a Nissan Sentra and into a Nissan Altima, for example, you will be adding more debt to your next loan.

    If you want to move up to a larger or nicer car, a smarter strategy is to refinance the current loan for a lower interest rate and monthly payment, then stick out the loan until the initial car is paid off. When it’s time to purchase your next car, you should be in a higher credit tier (assuming you’ve also done well on your other bills), and will qualify for a nicer car.

    If you’ve done your credit homework, shopped within your price range and made all your payments, you’ve not only improved your credit score but also set up positive finance habits that will serve you well for years to come.



    Current Interest Rates on Home Loans, Savings, Car loans – CD Rates, new car loan.#New #car #loan


    Today’s Interest Rates and Financial Advice:

    New car loan

    Financial Advice

    Would you like to buy a home but worry that you’d never qualify for a mortgage? It’s time to stop guessing and evaluate your chances to land a loan based on everything from how much you make to your credit score. Believe it or not, the odds are in your favor.

    November 14th 2017

    The average cost of financing a new or used car or truck has stayed low over the past year, making auto loans a bargain by any historical measure. And buyers with reasonably good credit can always take advantage of the discount loans automakers are offering on many models.

    November 13th 2017

    Lending money to your child is risky business. But if you can avoid the personal pitfalls and convince the federal government that this is really a loan, and not a gift, the Bank of Mom and Dad can be a financial boon for everyone in the family.

    November 13th 2017

    Here’s how to make all of the right decisions so that you’ll save more, invest wisely and take full advantage of all the tax breaks to build your retirement nest egg.

    November 10th 2017

    It’s not enough to find a good location at an affordable price. Condo buyers must consider lots of extra costs, from association fees and special assessments to how well the building is maintained and how strictly it enforces rules on everything from noise to pets.

    November 10th 2017

    You’ve scouted out the best mortgage rate and fought hard to get the best price on your new home. But your bargaining shouldn’t stop there. Here’s how you can save on everything from settlement fees to title insurance.

    November 8th 2017

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    Interest ing Snapshot

    Individual retirement accounts, or IRAs, are a great way to build financial security for you and your family. They’re easy to open and our simple strategy helps you make all the right decisions now, and in the years ahead.

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    10 steps to a great deal on a new-car loan, new car loan.#New #car #loan


    10 steps to your best deal on a car loan

    Negotiating a great price on a new car is just half the battle: You also need a great car loan to make it a great deal.

    Here are 10 tips to help you get the best auto loan:

    1. Shop the loan separately from the car.

    Before starting negotiations on the exact car and price, begin the loan application process with credit unions, banks, well-respected online lenders and even your auto insurance company. “Generally, we’ve seen that online banks have been the best,” says Anthony Giorgianni, associate finance editor of “Consumer Reports Money Adviser” newsletter in Yonkers, N.Y. “The little banks might be very competitive,” he says. “A lot of them didn’t get caught up in the credit crunch.” And credit unions rates tend to be about 1 percent to 1.5 percent lower than banks, says Jim Hanson, a vice president at the Credit Union National Association in Madison, Wis.

    You can get prequalification for a loan, which would enable you to go to the dealer with a blank check — good up to a specified amount, says Phil Reed, senior consumer advice editor for Edmunds.com. Once you have a solid, written contract with the dealer, only then ask if they can beat the financing deal you already have.

    2. Limit your loan shopping to a two-week period.

    Every time you apply for a loan — whether you are approved, whether you use it — your credit score goes down and it makes it slightly more difficult to get a prime-rate loan. But if you make all of your applications within a two-week period, they count as only one inquiry.

    3. Get familiar with your own credit history.

    Get free copies of your three credit reports, from Equifax, Experian and TransUnion at www.AnnualCreditReport.com. If you want to learn your exact scores from the three agencies, you can order them for a small fee from their individual Web sites. The credit or FICO score you buy is probably not the same one your lender uses, but it should be close. With an auto loan, you have a little more wiggle room in terms of your score. “What’s considered good for a car loan will be a little lower than what’s good for a mortgage,” says Gail Hillebrand, senior attorney with the San Francisco office of Consumers Union.

    4. Shop the total loan amount, not the monthly payment.

    The only time you should consider the monthly payment is when you privately calculate how much you want to spend for your car. After that, don’t discuss monthly payments. Some lenders may focus on the payments to induce you to borrow more money by extending the number of months you pay. That way they make more in interest, and you have to drive your aging car longer.

    5. Don’t assume the best.

    Lenders aren’t obligated to offer you the best rate for which you qualify. In 2007, car dealers marked up loans by an average 1.8 percent on used cars and 0.6 percent on new ones, according to Josh Frank, senior researcher for the Center for Responsible Lending in Durham, N.C. Let the lender know you’re shopping around or already have another offer. You’re more likely to see a better rate. You can find the best available auto loans in your area at Bankrate’s auto rate tables.

    6. Get the right tools.

    What’s better for you — super-low dealer financing or cash rebates? You can get a quick answer to that by using Bankrate’s car rebate vs low-interest calculator. Within a few seconds, you’ll know to the penny which is the better deal. Usually, it’s the cash, says Giorgianni.

    7. Read the fine print.

    Take the loan paperwork home and read it before you sign anything, advises Massachusetts consumer attorney Yvonne Rosmarin. If a lender or dealer balks at that, walk out. This is a binding agreement that’s going to last for years, so you need to know exactly what’s in it. Some points that warrant special caution:

    • Mandatory binding arbitration: “It takes away your right to go to court for anything,” says Rosmarin.
    • Variable interest rate: Figure out the highest possible payment. If you can’t afford it, the loan’s not for you.
    • Prepayment penalties: How much will it cost you to pay off the loan early if you want to sell or refinance?
    • Is everything the lender promised in the contract? Oral promises are hard, if not impossible to enforce, says Rosmarin. If there’s something missing that’s important to you, don’t sign until it’s included. If it’s work that’s promised, don’t sign until it’s completed.

    8. Check the math.

    If the monthly payment is even slightly different from your calculations, the loan might not have the terms you think you negotiated. Use Bankrate’s auto calculator to double-check.

    9. Avoid conditional financing.

    Never take a car from a dealer until the financing — down payment amount, interest rate, length of loan, monthly payments — is finalized. If the financing is “contingent” or “conditional,” they can change later and you could get stuck with less advantageous terms.

    10. Investigate your lender.

    “Check on anyone you’re dealing with,” says Rosmarin. Try your state attorney general’s office and office of consumer affairs, the Better Business Bureau, as well as any government agencies (state or federal) that regulate lenders. Search online to learn what customers and former customers are saying. While you should take online comments “with a grain of salt,” says Rosmarin, they can also provide an early warning to possible problems.



    Business Loans – Financing, Small Business Finance – Funding – Business Finance, new business loans.#New #business #loans


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    Business – BBC News, new business loans.#New #business #loans


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    Car loans – car loan calculator, new car loans.#New #car #loans


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  • How to Get Car Loans After Bankruptcy: 8 Steps (with Pictures), new car loans.#New #car #loans


    How to Get Car Loans After Bankruptcy

    Getting a car loan can be stressful for anybody, but the process is fairly simple, even if you have a history of bankruptcy. Assuming you definitely need a car, your goal should be to find the most reliable car at the most affordable rate. A bankruptcy filing does not mean you have to expose yourself to predatory lending practices. If you’re in the market for a new car, and financing it is the route you wish to take to re-establish your credit history, know that you’re not alone and that there are several options available to you. [1]

    Steps Edit

    Part One of Two:

    Assembling Your Credentials Edit

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    Part Two of Two:

    Exercising Responsible Borrowing Edit

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    Rates current as at date of appearance and subject to change. The IMB New Car Personal Loan is available Australia wide for vehicles that are new or up to 2 years old. 1. Comparison rate is based on a $30,000 secured loan over 5 years. WARNING: This comparison rate applies only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in different comparison rates. Normal IMB lending criteria, terms and conditions, fees and charges apply. 2. To be eligible for the discount, a Comprehensive Car insurance quote must be issued prior to 1 December 2017. All insurance is subject to acceptance by, and is issued by AAI Limited ABN 48 005 297 807 trading as Vero Insurance (Vero). This is only a summary of some of the terms of the Insurance. Please refer to the relevant Product Disclosure Statement (PDS) and Policy Wording for the full terms of the insurance including exclusions and limitations. A PDS is available from IMB. You should consider the PDS before making a decision about this product. IMB will receive a commission for insurance arranged. Neither IMB Ltd nor any of its related companies guarantee the benefits payable under the insurance. All benefits are payable solely by Vero. You may take out the Insurance with any insurer of your choice. IMB receives commission for insurance arranged. All cover is subject to acceptance by Vero. IMB Ltd trading as IMB Bank. ABN 92 087 651 974 AFSL/Australian Credit Licence 237 391.

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    Buying a New Car When You Have Bad Credit, new car loan.#New #car #loan


    Buying a New Car When You Have Bad Credit

    Tips for Subprime Car Buyers

    04/25/2014 (updated 01/20/2015) – By Ronald Montoya

    Let’s say you’ve made a few late payments on your bills. Perhaps you have a maxed-out credit card. Or maybe you bought more car than you actually needed and couldn’t keep up with the payments. Hey, it happens. But now it’s time to buy another car and you have serious doubts as to whether you’ll get approved for a loan.

    A few years ago, we tested the theory of buying a debt-free car as an alternative to buying at a used-car lot or a “buy here, pay here” dealership. We concluded that for some, the maintenance and repairs may prove too much for people to handle.

    Buying a new car outright won’t reestablish your credit. You’ll need to take out a loan for that. But what options do you have? The “buy here, pay here” dealerships might be one alternative, but not all of them report your payment progress to the credit bureaus. Plus, you’re still buying a used car that may require repairs. Is a new car out of the question? Not necessarily.

    It is possible to buy a new car with bad credit if you know where to look and how to prepare. Here’s how this kind of car buying works and what to keep in mind throughout the process.

    Why Would a Dealership Finance Your Car?

    How can you buy a brand-new car when you have a spotty credit history? There are a number of reasons why a lender would let someone with a troubled credit history finance a new car.

    From the lender’s perspective, a new car has more value and therefore offers more collateral that can be reclaimed if the buyer fails to make payments. The lender also has the assurance that a new-car buyer will actually keep up with payments. His money won’t be diverted to the costly repairs that sometimes befall older cars.

    From the dealership perspective, a new car is an investment in a relationship that will pay off in other ways later on.

    “Half the time, we’re not making any money on the deals,” says Rinaldi Halim, general manager for Nissan of Duarte, a dealership in Southern California that says it’s proud of the fact it takes on clients in all credit tiers. “We want to have a relationship with that customer,” Halim says.

    One new-car sale won’t yield much (if any) profit, Halim says. But it will pay dividends when customers refer their family and friends, resulting in more car sales, including some that will be profitable for the dealership. The sales also pay off when people get their vehicles serviced in the maintenance department. Years later, the initial customers will likely trade in those “no-profit” cars for new ones. The dealership will sell the initial cars as used ones. And if they’ve been well maintained, they will turn a tidy profit for the dealership.

    If you’re someone who has bad credit but wants to buy new, it is best to start planning for it well in advance, as you would with any major purchase.

    You need to start with your credit report to see how it would look to a lender. Run it at least three months before you plan on buying so you can take action on any outstanding items, recommends Rod Griffin, director of public education for credit reporting company Experian.

    Annual Credit Report.com gives you one free report a year on each of the major credit reporting companies: Experian, Equifax and TransUnion. Take advantage of it.

    Getting your actual credit score typically costs money, but your score will give you an idea of the credit tier into which you fall. Experian defines subprime (which includes deep subprime, as low as you can go) as a 619 score or below on its Vantage scale.

    Once you get the free credit report, pay close attention to the section that points out potentially negative items, also called risk factors. Risk factors could be anything from an old debt that went to collection to a fine you had to pay in a civil court case.

    Rather than viewing them as black marks on your credit, “These risk factors can empower you as a consumer to help rehabilitate your credit,” Griffin says. The risk factors are present in all reports, so if you fix an issue you found on one credit report, the action will be reflected on all the other reports.

    Experian says it offers an added benefit with its credit report and score. For $40, you get your credit score from Experian and a 35-minute session with a credit educator. This person will go over your report and point out items that need attention and give you tips on how to address it.

    Get Pre-Approved and Choose a Dealer

    Because your credit is bad, you will be paying a high interest rate, perhaps as high as 18 percent in California, for example. But some rates still could be better than others. This is why it’s important to seek approval from more than one lender.

    To find out which car dealers may be willing to finance people with iffy credit, pay attention to radio commercials or billboards from dealerships that say things such as “Your job is your credit!” or “Bad credit? No Problem!” These are good places to start. Steer clear of the “buy here, pay here” lots, however, since they don’t sell new cars.

    Many dealership Web sites have credit applications you can fill out online to get pre-approved. If you don’t see the application on the front page, it may be under the “Finance” tab.

    Also, check with your own bank or credit union. They may be more willing to approve you since you already have an established financial relationship with them. You might also try Road Loans from Santander Consumer USA, which specializes in subprime loans.

    Don’t worry that filling out too many loan applications will harm your credit. “Lenders know you are searching for the best rate,” Griffin says. As long as you apply for loans in a 14-day period, they will only count as one “hard” inquiry on your credit report.

    Bring Documents To Show You’re a Good Credit Risk

    When you go into the dealership to talk about financing, you need to bring along some important paperwork. These items will allow a dealership to establish who you are and confirm that you have a job, that you have a history of making monthly payments on time and have friends or family the dealership can contact to find you if you stop making payments. Bring these items with you:

    • The most recent pay stub from your job
    • Your utility bill (gas, water, electricity)
    • Your driver license
    • Three personal references

    Stay in Your Price Range and Look at the Total Costs

    Most people know what they can afford for a monthly car payment. But that sometimes ignores the bigger picture. Just because you qualified to buy a $22,000 midsize sedan doesn’t mean you should buy it. For example, if you scale back and purchase a $17,000 compact sedan, you’ll free up $100 per month. This is money you could use for gas, insurance or to pay other bills.

    “We love our leather seats and sunroofs,” says Griffin, “but when your credit isn’t stellar, it is better to look at a lower-end automobile.”

    Halim gives an example of a deal made for someone with bad credit: a $16,000 Nissan Versa, minus a $1,000 bonus cash incentive, financed for 72 months with $1,000 down. The interest rate would be around 17.9 percent, which would bring the monthly payment to about $354. At the end of the six years, you would have paid $25,485 for that Versa.

    These numbers will vary based on how much you’re putting down, what you’re financing and what you’ve been approved for, but it gives you a rough idea on what this type of deal looks like. A sizable percentage of the loan will be the interest ($9,927 in this example), but this is the reality when you’re borrowing in this credit tier.

    Just remember that it could be worse if you were dealing with a “buy here, pay here” car purchase. While talking to Halim, for example, we heard about a customer who had purchased a car from a “buy here, pay here” dealership and no longer wanted the car. The loan was for $4,200, to be paid over 36 months. The person already had made 22 payments of $322 and still owed $3,800 on the principal, thanks to an exorbitant interest rate. It approached the California legal maximum of 29.9 percent.

    Resist the Urge To Trade Up

    A number of new-car dealerships offer their credit-challenged customers the chance to trade into another vehicle without a significant increase in their monthly payment, provided they’ve made a year’s worth of consecutive on-time payments. While it may be tempting to get out of a Nissan Sentra and into a Nissan Altima, for example, you will be adding more debt to your next loan.

    If you want to move up to a larger or nicer car, a smarter strategy is to refinance the current loan for a lower interest rate and monthly payment, then stick out the loan until the initial car is paid off. When it’s time to purchase your next car, you should be in a higher credit tier (assuming you’ve also done well on your other bills), and will qualify for a nicer car.

    If you’ve done your credit homework, shopped within your price range and made all your payments, you’ve not only improved your credit score but also set up positive finance habits that will serve you well for years to come.



    New York Business Development Corporation, 504, New York, Business Development, new business loans.#New #business #loans


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    NYBDC works to provide New York small businesses with a number of diverse and unique products to help make financing options available for a wide variety of business needs. Working with our partners and the US Small Business Administration, we are here to help you find the products best suited for your business needs.

    Please note, NYBDC is capable of servicing our clients in the following languages:

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    We believe that small businesses are essential to the economic prosperity of our State. We utilize the US Small Business Administration’s 7(a) and 504 programs amongst others to address the demonstrated need for additional capital for small businesses in our State.

    We are continually learning from our lending activities and welcome the opportunity to share some of those lessons with our small business lending industry partners nationwide.

    • Stay in touch with NYBDC articles and success stories Learn more
    • Stay up to date on critical small business financing publications. Learn more


    Business – BBC News, new business loans.#New #business #loans


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    [1] Gocompare.com introduces customers to Lovemoney.com Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Lovemoney.com Financial Services Limited is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    [2] On 3 October, 2013, Vision Critical conducted an online survey of 2,001 randomly selected UK adults who are Springboard UK panelists



  • New York Business Development Corporation, 504, New York, Business Development, new business loans.#New #business #loans


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    New business loans

    NYBDC works to provide New York small businesses with a number of diverse and unique products to help make financing options available for a wide variety of business needs. Working with our partners and the US Small Business Administration, we are here to help you find the products best suited for your business needs.

    Please note, NYBDC is capable of servicing our clients in the following languages:

    • Filipino
    • French
    • Italian
    • Korean
    • Albanian
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    • Yoruba
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    NYBDC has a dedicated staff of loan specialists and portfolio administrators focused on helping you continue to be a successful borrower and grow your business. Please take advantage of the resources we provide for our current borrowers.

    New business loans

    The success of our borrowers is uniquely tied to our network of statewide small business resource partners. From our technical assistance partners to local chambers, NYBDC continues to grow such partnerships and encourages our borrowers to take advantage of our resource partners nearest to their community.

    New business loans

    We believe that small businesses are essential to the economic prosperity of our State. We utilize the US Small Business Administration’s 7(a) and 504 programs amongst others to address the demonstrated need for additional capital for small businesses in our State.

    We are continually learning from our lending activities and welcome the opportunity to share some of those lessons with our small business lending industry partners nationwide.

    • Stay in touch with NYBDC articles and success stories Learn more
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    Buying a New Car When You Have Bad Credit, new car loans.#New #car #loans


    Buying a New Car When You Have Bad Credit

    Tips for Subprime Car Buyers

    04/25/2014 (updated 01/20/2015) – By Ronald Montoya

    Let’s say you’ve made a few late payments on your bills. Perhaps you have a maxed-out credit card. Or maybe you bought more car than you actually needed and couldn’t keep up with the payments. Hey, it happens. But now it’s time to buy another car and you have serious doubts as to whether you’ll get approved for a loan.

    A few years ago, we tested the theory of buying a debt-free car as an alternative to buying at a used-car lot or a “buy here, pay here” dealership. We concluded that for some, the maintenance and repairs may prove too much for people to handle.

    Buying a new car outright won’t reestablish your credit. You’ll need to take out a loan for that. But what options do you have? The “buy here, pay here” dealerships might be one alternative, but not all of them report your payment progress to the credit bureaus. Plus, you’re still buying a used car that may require repairs. Is a new car out of the question? Not necessarily.

    It is possible to buy a new car with bad credit if you know where to look and how to prepare. Here’s how this kind of car buying works and what to keep in mind throughout the process.

    Why Would a Dealership Finance Your Car?

    How can you buy a brand-new car when you have a spotty credit history? There are a number of reasons why a lender would let someone with a troubled credit history finance a new car.

    From the lender’s perspective, a new car has more value and therefore offers more collateral that can be reclaimed if the buyer fails to make payments. The lender also has the assurance that a new-car buyer will actually keep up with payments. His money won’t be diverted to the costly repairs that sometimes befall older cars.

    From the dealership perspective, a new car is an investment in a relationship that will pay off in other ways later on.

    “Half the time, we’re not making any money on the deals,” says Rinaldi Halim, general manager for Nissan of Duarte, a dealership in Southern California that says it’s proud of the fact it takes on clients in all credit tiers. “We want to have a relationship with that customer,” Halim says.

    One new-car sale won’t yield much (if any) profit, Halim says. But it will pay dividends when customers refer their family and friends, resulting in more car sales, including some that will be profitable for the dealership. The sales also pay off when people get their vehicles serviced in the maintenance department. Years later, the initial customers will likely trade in those “no-profit” cars for new ones. The dealership will sell the initial cars as used ones. And if they’ve been well maintained, they will turn a tidy profit for the dealership.

    If you’re someone who has bad credit but wants to buy new, it is best to start planning for it well in advance, as you would with any major purchase.

    You need to start with your credit report to see how it would look to a lender. Run it at least three months before you plan on buying so you can take action on any outstanding items, recommends Rod Griffin, director of public education for credit reporting company Experian.

    Annual Credit Report.com gives you one free report a year on each of the major credit reporting companies: Experian, Equifax and TransUnion. Take advantage of it.

    Getting your actual credit score typically costs money, but your score will give you an idea of the credit tier into which you fall. Experian defines subprime (which includes deep subprime, as low as you can go) as a 619 score or below on its Vantage scale.

    Once you get the free credit report, pay close attention to the section that points out potentially negative items, also called risk factors. Risk factors could be anything from an old debt that went to collection to a fine you had to pay in a civil court case.

    Rather than viewing them as black marks on your credit, “These risk factors can empower you as a consumer to help rehabilitate your credit,” Griffin says. The risk factors are present in all reports, so if you fix an issue you found on one credit report, the action will be reflected on all the other reports.

    Experian says it offers an added benefit with its credit report and score. For $40, you get your credit score from Experian and a 35-minute session with a credit educator. This person will go over your report and point out items that need attention and give you tips on how to address it.

    Get Pre-Approved and Choose a Dealer

    Because your credit is bad, you will be paying a high interest rate, perhaps as high as 18 percent in California, for example. But some rates still could be better than others. This is why it’s important to seek approval from more than one lender.

    To find out which car dealers may be willing to finance people with iffy credit, pay attention to radio commercials or billboards from dealerships that say things such as “Your job is your credit!” or “Bad credit? No Problem!” These are good places to start. Steer clear of the “buy here, pay here” lots, however, since they don’t sell new cars.

    Many dealership Web sites have credit applications you can fill out online to get pre-approved. If you don’t see the application on the front page, it may be under the “Finance” tab.

    Also, check with your own bank or credit union. They may be more willing to approve you since you already have an established financial relationship with them. You might also try Road Loans from Santander Consumer USA, which specializes in subprime loans.

    Don’t worry that filling out too many loan applications will harm your credit. “Lenders know you are searching for the best rate,” Griffin says. As long as you apply for loans in a 14-day period, they will only count as one “hard” inquiry on your credit report.

    Bring Documents To Show You’re a Good Credit Risk

    When you go into the dealership to talk about financing, you need to bring along some important paperwork. These items will allow a dealership to establish who you are and confirm that you have a job, that you have a history of making monthly payments on time and have friends or family the dealership can contact to find you if you stop making payments. Bring these items with you:

    • The most recent pay stub from your job
    • Your utility bill (gas, water, electricity)
    • Your driver license
    • Three personal references

    Stay in Your Price Range and Look at the Total Costs

    Most people know what they can afford for a monthly car payment. But that sometimes ignores the bigger picture. Just because you qualified to buy a $22,000 midsize sedan doesn’t mean you should buy it. For example, if you scale back and purchase a $17,000 compact sedan, you’ll free up $100 per month. This is money you could use for gas, insurance or to pay other bills.

    “We love our leather seats and sunroofs,” says Griffin, “but when your credit isn’t stellar, it is better to look at a lower-end automobile.”

    Halim gives an example of a deal made for someone with bad credit: a $16,000 Nissan Versa, minus a $1,000 bonus cash incentive, financed for 72 months with $1,000 down. The interest rate would be around 17.9 percent, which would bring the monthly payment to about $354. At the end of the six years, you would have paid $25,485 for that Versa.

    These numbers will vary based on how much you’re putting down, what you’re financing and what you’ve been approved for, but it gives you a rough idea on what this type of deal looks like. A sizable percentage of the loan will be the interest ($9,927 in this example), but this is the reality when you’re borrowing in this credit tier.

    Just remember that it could be worse if you were dealing with a “buy here, pay here” car purchase. While talking to Halim, for example, we heard about a customer who had purchased a car from a “buy here, pay here” dealership and no longer wanted the car. The loan was for $4,200, to be paid over 36 months. The person already had made 22 payments of $322 and still owed $3,800 on the principal, thanks to an exorbitant interest rate. It approached the California legal maximum of 29.9 percent.

    Resist the Urge To Trade Up

    A number of new-car dealerships offer their credit-challenged customers the chance to trade into another vehicle without a significant increase in their monthly payment, provided they’ve made a year’s worth of consecutive on-time payments. While it may be tempting to get out of a Nissan Sentra and into a Nissan Altima, for example, you will be adding more debt to your next loan.

    If you want to move up to a larger or nicer car, a smarter strategy is to refinance the current loan for a lower interest rate and monthly payment, then stick out the loan until the initial car is paid off. When it’s time to purchase your next car, you should be in a higher credit tier (assuming you’ve also done well on your other bills), and will qualify for a nicer car.

    If you’ve done your credit homework, shopped within your price range and made all your payments, you’ve not only improved your credit score but also set up positive finance habits that will serve you well for years to come.



    Car loans – car loan calculator, new car loans.#New #car #loans


    Car loans – car loan calculator – NatWest

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  • New car loans
  • Take our lowest ever loan rate for a spin

    Our lowest ever rate just got lower for loans between ВЈ7,500 and ВЈ19,950 Representative 3.4% APR

    Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Available to existing NatWest current account customers over 18.

    Why choose a car loan from NatWest?

    Borrow between ВЈ1k and ВЈ50k

    ВЈ1,000-ВЈ7,499 repay over 1-5 years, ВЈ7,500-ВЈ50,000 repay over 1-8 years.

    Fixed monthly repayments

    Your monthly repayment won’t go up or down throughout the duration of repaying the loan.

    Funds next working day

    If you use online banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. Sometimes we’ll need to contact you for more information so it takes a little longer.

    New Tick We’ll show you how much you may be able to borrow

    New Tick View your personalised interest rate and monthly payments

    New Tick There’s no impact on your credit rating

    Looking for a different way to finance your next car?

    Your next car could be found, financed and delivered – all online with NatWest Flex Car Finance at a rate of Representative 7.9% APR (fixed).

    Over 18s NatWest current account customers with a valid full UK, NI or EU drivers licence. NatWest is acting as a credit broker and is introducing customers to ALD Automotive Ltd. NatWest will receive a payment from ALD (the lender), if you proceed with a Flex Car Finance agreement.



  • Compare Cheap Loans Online Today at, new business loans.#New #business #loans


    Loans

    Our loan comparison service is provided by Lovemoney.com Financial Services Limited [1]

    • Compare cheap loans from multiple providers in one quick and easy search
    • Our soft search tool lets you find the right deal without affecting your credit record
    • Review the APR, total amount payable, monthly payments and more from a simple table

    New business loans

    Loan smart search

    See your chances of being accepted before you apply for a loan

    Cut the cost of debt

    Find out if you could save money on your credit cards and loans

    Improve your credit score

    Find out what’s affecting your credit score and learn how you could improve it

    With the help of our service you can quickly compare the best rates and terms for both secured and unsecured loans with the reassurance that your search will not impact on your credit rating.

    Need more information?

    Our easy-to-use form will ask you how much you want to borrow and the borrowing period – figures that you can quickly change to weigh up your options.

    You’ll automatically see all our available loan options, but you can choose to see any or all of personal, secured, peer-to-peer, guarantor and short-term loan choices.

    If you’re struggling with those definitions, you can get a simple explanation of each type of loan with details of how much can be borrowed under them and the maximum term.

    Your results table can be filtered at this stage with our smart search facility (see below), and we recommend that you do this.

    Alternatively, take a look at our full best-buy table which shows the loan product and provider, APR, total amount repayable, monthly repayment and loan term.

    If you see an option you like it can be expanded to show the flexibility of the deal (any terms regarding early repayment charges and/or repayment holidays), typical circumstances when the loan is used and factors required for acceptance (age restrictions and credit history).

    Did you know.


    • A ‘soft search’ for a loan won’t show up on credit files and will deliver options that you’re much more likely to be accepted for

    Should you see an option you like you can click through to apply with the provider. At this stage, if you haven’t already applied the smart search filters you’ll be offered the opportunity to do so.

    This free facility helps you find loans that it’s estimated you’ll be three times more likely to be accepted for before you make a formal application, and the ‘soft search’ won’t show up on credit files.

    This can help you avoid credit application rejections which can negatively affect credit scores and impact on your ability to get the most attractive financial deals.

    You’ll be asked how much you want to borrow and for how long, and to select whether the loan will be used for a car, home improvement, debt consolidation or any other purpose.

    Fill in your basic personal, contact, employment, salary, address and homeowner details. If you own your own home you’ll be asked if you already have a homeowner loan, the remaining balance, monthly repayments, and if you want to consolidate it with your new loan.

    You’ll also be asked if you’ve missed any credit card, loan or mortgage repayments in the last 12 months, plus whether in the last six years you’ve been declared bankrupt, had any County Court Judgements (CCJs) or any Individual Voluntary Arrangements (IVAs).

    Did you know.


    • In October 2013 the estimated average debt UK consumers had in personal loans, car finance, overdrafts and unpaid store and credit cards was £3,249 [2]

    If you answer ‘no’ to these questions you’ll have the option of consenting to a consumer enquiry search with a credit reference agency.

    Selecting this will help deliver more relevant results and – while it will leave a footprint on your credit file – it won’t be visible to lenders and won’t affect a credit rating.

    Your search can then be run and the best-buy table will be tailored to the information you’ve provided, delivering options you’re more likely to be accepted for.

    Should you wish you can also choose to see a list of the lenders whose products it’s been determined you would not qualify for.

    Learn more about loans by reading our guides, where you’ll also find the answers to frequently asked questions. Look out for dedicated pages on personal, homeowner, secured, bad credit, peer-to-peer and debt consolidation loans.

    Our guides offer more information on key areas such as fees, fixed rates, variable rates, payment protection, social lending, early repayment of loans, payment breaks, deferment, credit reports and scores, and how to build them.

    We also consider the Consumer Credit Act, when a credit card may be a suitable alternative to a loan, why payday loan options are a rather bad idea, and how to cut the cost of debt.

    • New business loans

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  • New business loans

    Why isn’t Britain saving?

    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 LOAN SECURED ON IT

    [1] Gocompare.com introduces customers to Lovemoney.com Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Lovemoney.com Financial Services Limited is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    [2] On 3 October, 2013, Vision Critical conducted an online survey of 2,001 randomly selected UK adults who are Springboard UK panelists



  • Tax – Tags Calculator for New – Used Cars #sba #loans


    #motorcycle loan calculator
    #

    Tax and Tags Calculator

    Find Your State’s Vehicle Tax Tag Fees

    When purchasing a vehicle, the tax and tag fees are calculated based on a number of factors, including:

    • The county the vehicle is registered in.
    • The vehicle weight.
    • The type of license plates requested.
    • Whether or not you have a trade-in.
    • The state in which you live.
    • New car sales tax OR used car sales tax.

    Calculating Sales Tax Summary:

    Auto sales tax and the cost of a new car tag are major factors in any tax, title, and license calculator. Some states provide official vehicle registration fee calculators, while others provide lists of their tax, tag, and title fees. Find your state below to determine the total cost of your new car, including the car tax.

    NOTE : Not ALL STATES offer a tax and tags calculator. (See below for states that do and don’t offer these services.)

    In addition, CarMax offers a free tax and tag calculator for some states only. This calculator can help you estimate the taxes required when purchasing a new or used vehicle.

    Anytime you are shopping around for a new vehicle and are beginning to make a budget, it’s important to factor in state taxes, titling and registration fees, vehicle inspection/smog test costs, and car insurance into your total cost. After calculating sales tax (depending on the new car sales tax rate), you may find your total fess have increased significantly.

    A major part of the final cost of a new vehicle purchase can be the taxes you’ll need to pay and the registration/titling fees you’ll owe to your state’s Department of Motor Vehicles (DMV), Motor Vehicle Division (MVD), Motor Vehicle Administration (MVA), Department of Revenue (DOR), Secretary of State (SOS), or local county clerk’s office.

    States with Online Tax Tag Calculators

    The following states offer FREE calculators to help you determine sales and/or registration taxes:

    To use the calculators above including the car payments calculator NJ, you’ll usually need to enter some basic information about the vehicle you plan to purchase. The information you may need to enter into the tax and tag calculators may include:

    • The vehicle identification number (VIN).
    • The make, model, and year of your vehicle.
    • The date that you purchased (or plan to purchase) the vehicle.
    • The date the vehicle entered (or will enter) the state you plan to register it in.
    • The type of license plates/registration you need for the vehicle.

    If you experience any issues with any of the free tax and tag calculators above, please contact your state’s DMV. MVD, MVA, DOR, SOS, or county clerk’s office directly.

    States with Tax Tag Charts Only

    The following states provide TAX CHARTS INFORMATION (no calculators) to help you determine sales and/or registration taxes:

    Generally, these lists/charts will be organized and broken down by:

    • Vehicle model years and weight classes.
    • Sales tax percentages.
    • Vehicle types and classification.
    • Titling procedures.
    • Duration of the registration.

    If you need help interpreting your state’s chart or have questions about which category your vehicle will fall under, please contact your state’s DMV. MVD, MVA, DOR, SOS, or county clerk’s office directly.

    Other Costs to Consider When Purchasing a Vehicle

    In addition to your state’s sales, use and property taxes, and any DMV, MVD, MVA, DOR, SOS, or county clerk titling and registration fees, you’ll need to consider the cost and fees for the following aspects of a vehicle purchase:

    • Ordering a VIN check or vehicle history report.
    • Getting a vehicle inspection, smog check, or emissions test.
    • Buying car insurance.
    • Performing any maintenance or upgrades.

    For more information about some of those topics, please visit our pages on:



    Best auto loan rates in Rochester, New York Metro #1000 #dollar #loan


    #new car loans
    #

    Found 180 auto loan rates in Rochester, NY

    save up to $977 on a auto loan with Visions Federal Credit Union!

    Visions Federal Credit Union (Visions FCU) has a used car loan rate that, for the 32nd consecutive week as of December 2014, has been the lowest rate of all financial institutions in Rochester Metro. Datatrac analyzed 57 lenders consisting of 359 banking locations in Rochester Metro (Rochester, NY). A Visions FCU 60-month used car loan rate is 1.89%, which is over half as low as the Rochester Metro market average of 3.90%. Based on the Rochester Metro market average, they have a total of eight auto loan rates that outperformed the market. Two of the top performing products are a 48-month used car loan that beat the average by 50% and a 36-month used car loan that outperformed the competition by 49%.

    About Datatrac

    How can Datatrac help you find the best auto loan?

    Datatrac takes the guesswork out of shopping for your next auto loan. We are an independent, unbiased research company that has been comparing banking products for over 25 years. Our database of 1,648,658,012 deposit and loan rates is updated daily with the most current rates for nearly every bank and credit union in America, including those right in your backyard. We look at each bank’s rates, fees and all the fine print to make sure we are comparing apples to apples. Then we do the math. We compute the savings to help you make the best decision.  We stay with you until you find a loan that saves you money.

    How much does it cost?

    When you see a Datatrac Great Rate Award, it means you will save money. Why? Because the rate beats the competition. Datatrac ranks deposit and loan products for financial institutions. When a product outperforms the market average, it is given a Datatrac Great Rate Award to certify its competitiveness.



    Tier 2 – Loan Services – New York City Police Pension Fund #cheapest #home #loans


    #pension loans
    #

    Taxability calculation methodology for pension loans is unchanged.

    Outstanding principal is defined as the total outstanding loan principal for all active loans, including NYC Deferred Compensation Plan (DCP) loans, if any.

    A member may borrow up to 90% of his/her accumulated contributions, assuming minimum uniformed service of three years. The annual interest charged on unpaid loan balances is currently 4%.

    Why Pension Loans Cause Shortages

    When you take a pension loan, you cause a shortage in your Annuity Savings Fund (ASF) account. That s because the funds borrowed were earning 8.25% interest in the account, but you pay the loan back at 4.0% interest, which is 4.25 percentage points lower than what the borrowed funds would have earned had they remained in your account. Making regular pension contributions during the loan repayment period, or even fully repaying the loan, does not prevent the shortage from occurring.

    Note: The Police Pension Fund recommends that members carefully evaluate whether taking a pension loan is the best option.

    If the member s ASF account has fallen below the level required to obtain full Service Retirement pension benefits, that account is deemed to have a shortage. If not repaid, a shortage will reduce the member s pension.

    In addition, you may change your loan payment amount only during the months of May and November.

    If you die before retirement, loans with a combined balance up to $25,000 are insured, subject to how long each loan has been outstanding, as follows:

    Days Loan Outstanding % of Loan Insured

    Less than 30 days 0%

    30-59 days 25%

    60 89 days 50%

    Loan Taxability

    A pension loan will be taxed when the member borrows taxable contributions (i.e. 414H contributions made after 12/01/1989) and:

    – The loan principal is greater than $50,000; or

    – The loan exceeds the greater of 50% of accumulated deductions or $10,000; or

    – The term of repayment exceeds five years.

    The taxable portion of a loan is the portion of the principal consisting of untaxed contributions and associated interest. A member under the age of 59 1/2 will incur an additional 10% penalty on the taxable loan amount.

    If you borrow previously taxed contributions, the loan is not considered a taxable distribution and is therefore not subject to the maximum five-year repayment term above. Previously taxed contributions include 50% Additional contributions and contributions made before December 1, 1989.

    Form 1099-R Address. If you borrow taxable contributions, PPF must issue IRS Form 1099-R. We will send your 1099-R to the address listed on your loan application unless you request an address change in writing to: The New York City Police Pension fund, 233 Broadway, New York, NY 10279 (attention: Loan Services Unit.)

    Example: A member with an outstanding loan of $34,997 (Loan 1) requests a new loan (Loan 2) of $15,000 to be repaid in five years with 130 payments of $127.15. These loans may not be combined. When the member starts to repay Loan 2, he/she will now have two outstanding loans and will be making the following payments each pay period:

    Payment Number of Payments Current Principal

    Loan 1 $135.98 326 $34,997

    Loan 2 $127.15 130 $15,000

    Deferred Compensation Plan Loans

    The NYC Deferred Compensation Loan Program (DCLP) works in conjunction with loans taken at the Police Pension Fund. The maximum DCLP loan is the lesser of: a) 50% of a participant s DCP account balance; or b) $50,000, reduced by the highest outstanding principal at the Police Pension Fund during the 12-month period ending on the date of the proposed DCLP loan.

    Police Pension fund members seeking a DCP loan must have the Police Pension Fund certify their highest outstanding PPF loan balance during the above period. NYC Deferred Compensation will not issue a loan if the combined PPF/DCP loan balance exceeds the $50,000 DCLP maximum. (For more information visit www/nyc.gov/nycppf. Click the Loan Services link; then click the Deferred Compensation Loans link.)

    Principal Residence Exception

    Ordinarily, a pension loan must be repaid within five years to avoid tax consequences.

    However, IRS Code 72 (p) (2) (B) (ii) provides an exception to this rule. When a member takes a taxable pension loan in order to purchase a principal residence, the IRS permits the member to defer taxes on that loan if certain conditions are met.

    To take advantage of this exception, the member must establish to the satisfaction of the IRS that he/she applied the loan toward the purchase of a principal residence.

    The maximum residence loan exception amount is $50,000 per member. If both spouses are uniformed members of service, each spouse may claim the $50,000 amount.

    This exception is not available to members of the service who are in the process of retiring.

    The Police Pension Fund does not provide tax counsel. It is the member s responsibility to comply with the terms of IRS Code 72 (p) (2) (B) (ii). It is therefore recommended that members consult with a tax professional prior to taking advantage of this exception.

    Taxable Loan Final Withdrawal at Retirement

    If a member takes a pension loan using taxable funds within five years of retirement and fully repays it by his/her retirement date, that loan will not be taxed. However, any unpaid taxable loan balance at retirement is considered a taxable plan distribution and may create or increase a shortage. If the member with an unpaid taxable loan balance at retirement is under 50 years old, he/she will incur a 10% early withdrawal penalty. To avoid taxes and the penalty, the member may roll this loan over to an IRA or other qualified retirement plan within 60 days of retirement.

    A member may elect to withdraw up to 90% of his/her required amount at retirement. This is called the final withdrawal (sometimes called the final loan ). The final withdrawal can consist of both taxable and/or non-taxable funds. The final withdrawal will also create a shortage . As with the above loan, the taxable portion of a final withdrawal must be rolled over to an IRA or other qualified retirement plan within 60 days of its issuance to avoid taxation and a possible early withdrawal penalty.

    At retirement, the Police Pension Fund provides every retiree with the tax-free/taxable breakdown of their ASF contributions as well as the tax-free/taxable composition of the final withdrawal and any outstanding pension loans, as applicable.



    Auto Loan Calculator for New – Used Cars #cash #call #loans


    #used car loan calculator
    #

    Auto Loan Calculator

    Auto Loan Calculator

    Calculate Your Car Payment

    How to Use the Auto Loan Calculator

    Our car payment calculator is designed to help you determine two estimated main factors:

    1. The loan amount you need to finance.
    2. Your monthly payments .

    To use the payment calculator, simply:

    1. Enter the retail price of the vehicle. Remember, you might get a better price at the dealership; this step is just to get you started.
    2. Figure the sales tax. Sales tax varies by state, so you might need to contact your local motor vehicle agency to ask. Keep in mind, there could be a difference between the sales tax for a new vehicle and the sales tax for a used vehicle.
    3. Determine the annual interest rate. Like the sales tax, the interest rate can vary greatly, often depending on whether the car is new or used; how long you play to finance the car; and even the date. Currently, Bankrate provides auto loan interest rates based on three-month auto trends.
    4. Decide on your term. This means how long you plan to make car payments. Sometimes, the longer the loan term, the lower the monthly payments. Be sure to talk with your lender about the pros and cons of shorter vs. longer terms.
    5. Enter your down payment. How much money can you pay upfront for the vehicle? Generally, the higher the down payment, the lower the monthly payments.
    6. Provide your trade-in value. Are you trading in a used vehicle? How much is that vehicle worth?

    Once you complete each of these steps, our calculator will provide you with an estimated car loan amount you need to finance as well as projected monthly payments.

    Other Car Costs to Consider

    When it comes to determining how much your new (or new to you!) car will cost, monthly car payments aren’t your only financial concern.

    For example, when determining your vehicle budget, you’ll need to consider:

    Each of these factors will help you determine how much owning your new or used vehicle will actually cost in the long run.

    * Find out whether your state requires vehicle inspections, smog and emissions testing, or both.



    Best New Car Finance Deals: October 2015 #2500 #loan


    #best auto loans
    #

    Best New Car Finance Deals: October 2015

    slide-3673074

    Best New Car Finance Deals: October 2015

    Financing a new car can become a bigger expense than anticipated for many people, especially if you haven’t shopped around and/or didn’t take interest rates into account when making your new car budget. We’re here to help.

    Automakers and dealers will often add incentives to their vehicles by attaching low financing rates sometimes all the way down to zero percent. We worked with our friends over at TrueCar to find finance deals that are especially good this month. If you’re in the market for one of these cars, don’t delay, as they’re soon set to expire.

    Disclaimer: The deal information is provided for illustrative purposes only, and is not an offer to lend. Results may vary depending on your individual circumstances, including credit approval. Deals are subject to change, and are limited to inventory on hand. See your dealer/manufacturer for details, including actual offers available in your region.

    2015 Chrysler 200

    The Chrysler 200 is reborn in 2015, all new from the ground up and offering a compelling blend of simple elegance, state-of-the-art technology and enhanced driving performance. A segment-first nine-speed automatic transmission and available all-wheel drive complete the transformation.The 200 sedan is offered in both front- and all-wheel drive configurations, with four trim levels: front-wheel drive LX, Limited, C and S trims, as well as all-wheel drive C and S trims only.

    2015 Ford Escape

    The Ford Escape is a mid-size sport-utility vehicle, which incorporates the latest technology and style; setting a high standard in the SUV category.The five-passenger Escape is available in S, SE, and Titanium trims, in either front or four-wheel drive. Engine choices start with the 168-hp 2.5-liter four-cylinder. Also, a 173-hp 1.6-liter EcoBoost four-cylinder engine is available. For even more power a 231-hp 2.0-liter EcoBoost four-cylinder engine is offered. All variations are paired with a six-speed select-shift automatic transmission. Impressive features offered on the Escape include a Panoramic Vista Roof, satellite radio, SYNC, MyFord Touch, a trailer towing package, heated leather seating, navigation system, auto park with cross traffic alert, Sony audio, MyKey, and an industry first hands-free power liftgate. Standard safety features include seven-airbags with drive knee airbag, passive anti-theft system, AdvanceTrac stability control with anti-rollover technology, four-wheel disc brakes, and tire pressure monitoring.

    2015 Mercedes-Benz E350

    Research the 2015 Mercedes-Benz E-Class

    slide-3673064

    2016 Scion iA

    Finance Deal: 2.9% financing for 24 months, Exp: 8/3/15

    The all-new 2016 Scion iA is a four-door subcompact sedan.

    At 172 inches long, 67 inches wide and 58.5 inches high, the Scion iA is about the same dimensions as the Chevrolet Sonic, Kia Rio, Ford Fiesta, and Nissan Versa.It uses the same wheelbase of 101 inches as the new Mazda CX-3.Scion iA also competes with the Mazda 2 and Toyota Yaris, which have new models coming before the middle of 2016.

    The new Scion iA is powered by a 1.5-liter engine making 106 horsepower and 103 pound-feet of torque.Despite the fact that Scion is a Toyota brand, the Scion iA does not use the same 1.5-liter engine as in the Toyota Yaris.The iA engine is made by Mazda, using direct injection with a high 12:1 compression ratio.It’s tuned for fuel mileage, with an EPA rating of 31/41 mpg City/Highway with the standard 6-speed manual transmission, or 33/42 mpg with the available 6-speed automatic.



    Central Finance for financial advice and personal assistance all over New Zealand, from Cape Reinga to the Bluff and everywhere in between. #12 #month #loans


    #easy loans
    #

    Looking for a loan at a competitive interest rate with minimal fuss?

    We offer loans from 12.95%, and we specialize in getting you the finance you require.

    Every day, we arrange finance for our customers, from Cape Reinga, all the way down to the Bluff, and everywhere in between. We’re proud to say that we have helped over 20,000 kiwis get the finance they needed, when they needed it.

    Our loans start from $1,000, and go all the way up to $500,000, with repayments starting from just $25 per week. We provide Personal Loans, secured or unsecured, Car Loans, Bridging Finance, Mortgages and Debt Consolidation Loans. We can also provide tailored finance packages offering you deferred payments, interest only payments and residual payments to fit your lifestyle.

    YOU MAY NOT KNOW: Applying for loans with various companies not only wastes your time, wastes your money, and most importantly adversely affects your credit score. Your credit score drops with each application you do! We only perform 1 credit check and 1 PPSR, and we send this to a range of accredited finance providers to get the best deal for you.

    At Central Finance and Loans we understand that every loan application is as unique as the client that sends it, so we assess each application individually based on its merits. Utilizing our long standing experience in the finance market, we handle the process from start to finish making the application process easy, so all you have to do is relax while we do all the work on your behalf.

    With the backing of numerous underwriters leading the New Zealand finance industry, we can offer you finance for almost anything you need.

    Our aim is to provide you with a friendly, professional, helpful service so you can achieve your goals and financial rewards faster and easier.

    It’s not just about getting finance, it’s about getting the “right” finance for you.

    Feel free to give us a call on 0800 100 630 to speak to an experienced consultant, or simply complete our 5 minute online application