Calculate the diminished value of my car after an accident? #import #cars

#find value of car

How do I calculate the diminished value of my car after an accident?

You might be entitled to recover “diminished value” from the at-fault driver (or from his or her car insurance company) as part of your compensable damages after a car accident, as long as your car has been significantly damaged and is a newer model.


How do I calculate the diminished value of my car after an accident?


In the context of a car accident case, “diminished value ” refers to the difference between what your car was worth before the crash occurred, and what it is worth after it has been repaired.

The rationale behind a diminished value claim is that on the free market, someone who wanted to buy your car would probably be willing to pay less after the vehicle has been in an accident than they would have paid had the accident not occurred, even though the car has been repaired.

You might be entitled to recover “diminished value” from the at-fault driver  (or from his or her car insurance company) as part of your compensable damages after a car accident, as long as your car has been significantly damaged and is a newer model. For a minor accident, or any crash involving an older car, you’re probably not going to be successful in making a diminished value claim.

To calculate the diminished value of your car, you may need to retain an expert witness, or at least obtain reliable inspection and repair reports from professionals — people who can examine your car and offer an opinion on the impact that the vehicle damage  and subsequent repairs have had on its value.

In some diminished value claims, part of your argument may be that inferior parts were used to repair your vehicle, and if your car had not been in the accident in the first place, it would still have all factory parts installed, and it would not have lost value.

How traffic violations affect car insurance rates #insurance #rates #after #dui


Do speeding tickets affect insurance?

For more tailored results, use the traffic ticket calculator to enter your own age, type of dwelling, state, marital status, and length of time you ve been with your car insurance carrier.

Here s an example of just how different rate increases can be from company to company: For a driver in Apple Valley, Minnesota, with two speeding tickets 11 mph over the limit, one carrier wouldn’t return a rate at all; five others increased rates anywhere from 13 to 121 percent.

We strongly suggest you compare car insurance quotes after a violation.

How many points is a speeding ticket?

Your state may assign demerit points for some violations and suspend your license or fine you when that total reaches a certain level. Point systems vary widely by state, but too many points can bring an SR-22 requirement that automatically makes you a high-risk driver who’ll need high-risk auto insurance .

But any points your state assigns after a ticket are different from the ones your insurance company uses to calculate your rates. Insurance companies make their own calculations based on your record, but each makes its own judgments about which violations to count. Each makes its own decisions about accident fault, too.

In order for an insurance company to raise your rates, your ticket must appear on your state motor vehicle record, or MVR. An MVR shows your license status, traffic violations and accident reports.

Your rates won t increase until the insurer checks your MVR. Some may check your MVR at every renewal; some may check only every year or two, especially for longtime customers with clean records.

How long will a ticket affect my rates?

The look-back period differs by state and by company.

You should expect at minimum to be rated on violations, accidents and suspensions for the last three years. Some companies go back to the date of the incident, and others go back to the day of conviction.

Many companies will look back five or even 10 years for major violations such as a DUI. For instance, in California insurers aren t allowed to offer a good driver discount until 10 years have passed after a DUI violation.

And, just as a violation doesn t raise your rates until your insurer sees the offense on your MVR, the surcharge won t stop immediately when a violation falls off your record. You will have to wait until the next policy period when your insurer pulls your MVR.

What happens if I get a ticket out of state?

Expect it to show up on your record.

Most states have reciprocal agreements that automatically share information on citations. The Driver s License Compact has been signed by 45 states and Washington, D.C. Georgia, Massachusetts, Michigan, Tennessee and Wisconsin are not members, but they share and receive information just the same.

If your driving privileges are suspended in a state you are visiting, your home state typically will suspend your license as well.

Some states may not assign driver s license points to out of state convictions, especially minor ones. But insurance companies will rate you on a violation no matter where it occurred, if it appears on your MVR and is considered a surchargeable offense.

4 ways to fight a speeding ticket

To keep a speeding ticket off your record. you can contest it in court, or you can plead guilty in a way that keeps the infraction off your driving record.

If you keep a ticket off your motor vehicle record, your insurance company cannot rate you on it (i.e. raise your rates because of it).

  1. Contest the ticket: You are pleading not guilty. You will need to notify the court that you want a contested hearing. Typically you will be offered another chance for mitigation or a deferral. You can go to court yourself or hire a traffic attorney. If you are accused of a major violation such as a DUI, you should hire a lawyer. If you win, the charge is dismissed and will not appear on your MVR. If you lose, the penalty will stay the same and the conviction will appear on your record, and you may have to pay court costs as well.
  2. Ask for mitigation: You are pleading guilty but offering an explanation. The court may reduce the fine, but the conviction would go on your record. In some states, though, the judge may amend the charge to a non-moving violation, or you may have the option at this point of seeking a deferral or defensive driving class.
  3. Seek a deferral or defensive driving class: You are pleading guilty but asking to have the conviction deferred. If you complete a class or go a certain period of time without another violation, the charge will not appear on your MVR. Typically you will pay a fine and fees that are as large as or even larger than you would have under the original violation, but your record will remain clear and your insurance rates will not rise. You must contact the court before your appearance date to ask about these options. Some jurisdictions will not offer deferrals or traffic school for certain violations, such as school- and construction-zone tickets or extreme cases of speeding.
  4. Limit the damage: If a conviction on the original charge seems inevitable, you might want to ask for a continuance to delay a conviction past your next renewal date. In addition, a defensive driving class. even taken after the fact, can remove points from your motor vehicle record. While it cannot erase a conviction from your insurance company s calculations, the class might bring a discount that softens the blow from the surcharge.

Methodology analyzed more than 490,000 auto insurance quotes provided to users from 14 carriers, comparing quotes given to drivers with the 14 most common infractions recorded to quotes given to drivers with no violations. We used a model to estimate the annualized premium expected for certain combinations of personal attributes (residence, state, time with prior carrier, marital status and age) along with 14 violations. This ranking is not inclusive of all possible driving violations. Rates shown are averages; your own rate will depend on your personal factors. State laws governing traffic violations are subject to change. commissioned Quadrant Information Services to gather rates comparing a driver with a clean record to a driver with certain violations from six major carriers in 10 ZIP codes in each state. Rates were returned on sample driver, male, 40 years old, single, a homeowner, driving 12 miles each way to work in a 2014 Honda Accord LX, for 100/300/50 liability coverage, collision and comprehensive coverage with a $500 deductible, uninsured motorist and additional mandatory coverages as required in each state.

Copyright 1998-2017 by Quinstreet, Inc. All Rights Reserved. Insurance licenses is not affiliated with any state or government agency.

Disclaimer: The insurance products on are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on (including the order in which they appear). QuinStreet does not include all insurance companies or all types of products available in the marketplace.
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Business News, The Kansas City Star, business loans after bankruptcy.#Business #loans #after #bankruptcy



Business loans after bankruptcy

Five things to know about Edgemoor, the dark horse pick for a new KCI terminal

Edgemoor Infrastructure Real Estate is less known locally, but has an imprint in Kansas City and elsewhere, as well as experience on its team in aviation projects.

Business loans after bankruptcy

New Arrowhead concessions will offer local barbecue, crabfries more

Chain restaurant plans to open in Zona Rosa s former Mimi s Cafe

Kansas restaurant inspections for Sept. 5

Lenexa Public Market launches with liquid nitrogen ice cream, man cave art more

Upscale, locally owned boutique is closing in Leawood

Business loans after bankruptcy

Facebook tells investigators it sold political ads to Russian company during election, sources say

Representatives of Facebook told congressional investigators Wednesday that it has discovered it sold ads during the U.S. presidential election to a shadowy Russian company seeking to target voters, according to several people familiar with the company’s findings. Facebook officials reported that they traced the ad sales, totaling $100,000, to a Russian “troll farm” with a history of pushing pro-Kremlin propaganda, these people said. A small portion of the ads named Republican nominee Donald Trump and Democrat Hillary Clinton, the people said. Most of the ads focused on politically divisive issues such as gun rights and immigration fears, as well as gay rights and racial discrimination.

Business loans after bankruptcy

Chain restaurant plans to open in Zona Rosa s former Mimi s Cafe

PB over 12 cents

Victoria Tane lost her internet service from Google Fiber when a bizarre convergence of events led to her suspension.

Business loans after bankruptcy

More drama over KCI single-terminal project as another conflict of interest is alleged

The Burns & McDonnell-led KCI Hometown Team wrote a letter to City Hall officials on Labor Day alleging that Charles Renner and his law firm, Husch Blackwell, have a conflict of interest on the KCI single terminal selection process. Renner says there’s no conflict.

Business loans after bankruptcy

KC McDonald s worker who almost bled to death at work strikes for $15 and a Union

McDonald’s employee Kenya Banks, who nearly died at work in April, joined about 300 Labor Day protestors in KC at a ‘Fight for $15 and a Union’ rally.

Business loans after bankruptcy

Jeanne Lillig-Patterson, wife of Cerner CEO Neal Patterson, dies at 59

Jeanne Lillig-Patterson died Monday, Sept. 4. The candidate for Congress, wife of Cerner co-founder Neal Patterson, who died in July, was also the co-founder of the First Hand Foundation.

Business loans after bankruptcy

New Mexico sues Chiefs owner Clark Hunt, alleging kickbacks in $300 million investment

Chiefs owner Clark Hunt secured $300 million in New Mexico public investment money in a kickback deal, the state alleges in a lawsuit.

Business loans after bankruptcy

Boat with Rohingya refugees capsizes, killing 5 as more flee

A trawler carrying Rohingya fleeing violence in Myanmar capsized, killing at least five people, as Aung San Suu Kyi blamed misinformation for fueling a crisis the U.N. says has pushed 146,000 refugees into Bangladesh.

Business loans after bankruptcy

The Latest: Puerto Ricans lose power; Barbuda devastated

Hurricane Irma is hitting Puerto Rico with heavy rain and powerful winds, and more than 900,000 people are without power.

Business loans after bankruptcy

Asian shares rise as US debt deal gives investors relief

Asian stocks rise as Trump’s debt limit deal buys more time for government and gives investors much needed relief.

Business loans after bankruptcy

Chinese border calm as North Korea ramps up nuclear program

People in the Chinese city of Dandong along the border with North Korea say the global tensions over Pyongyang’s missile launches and nuclear tests have made little impact on their city and its tourism industry.

EPA says Oklahoma oil company’s spill cleaned up in Houston

A spokeswoman for the Environmental Protection Agency says a 2,500-gallon oil spill at an Oklahoma company’s Houston-area facility has been cleaned up.

Health care workers sue over Legislature mandated pay hike

Members of the Service Employees International Union Illinois have sued the state of Illinois for failing to make good on pay raises required under the new state budget.

Business loans after bankruptcy

Moon, Abe call for stronger sanctions against North Korea

The leaders of South Korea and Japan repeated their calls for stronger action to punish North Korea over its nuclear ambitions, including denying the country oil supplies.

Business loans after bankruptcy

California Accident Guide – Steps After An Accident, steps to take after a car accident.#Steps #to #take #after #a #car #accident


Accident Guide in California

Steps to take after a car accident

In the unfortunate event that you are involved in a traffic accident there is much you need to know.

Stop and Assess the Situation

First, stop and assess the situation. Are there any injuries or death? Investigate the extent of the damage, and call for assistance if necessary. In California, failure to stop at the scene of an accident in which you are involved could result in serious criminal hit-and-run charges.

You must stop to assess the situation even when the accident involves merely damaging property or running into a parked car. If you hit a parked car or damage someone’s property, but are unable to locate the owner, leave a note with your name and address, as well as the name and address of the owner of the automobile you are driving, secured to the vehicle or property damaged.

You will also be responsible for reporting the accident to the police or to the California Highway Patrol (in an unincorporated area).

When animals are involved don’t take your responsibility any more lightly. Again, pull over. Try to find the owner. If the owner cannot be found call the Humane Society, the police, or the Highway Patrol.

What You Will Have to Show

Once you assess the accident, you must your show driver license, registration card, evidence of financial responsibility, and current address to others involved and any peace officers present.

If you cannot show proof of financial responsibility, namely from an insurance company with a current policy number, you face a potential citation and fine.

Serious Accidents

An accident must be reported to the DMV within 10 days when someone is killed, injured, or property damage exceeds $1,000.

To report an accident to the DMV you, your insurance agent, or legal representative must complete the Report of Traffic Accident Occurring in California (Form SR-1).

You must also submit an SR-1 in addition to other filings the insurance companies, police, and other administrative agencies require. In order to fill out the SR-1 you need to gather important information at the scene of the accident:

  • Place and time of accident.
  • Other driver’s name, address, and date of birth.
  • Other driver’s driver license information(#/State).
  • Other driver’s license plate number and state.
  • Other driver’s insurance company, policy number, and the expiration thereof.
  • Policy holder’s name and address.
  • Vehicle owner’s name and address.
  • Explanation of injuries or property damage.

The DMV SR1 is also required regardless of whether the accident occurred on private property or was caused by someone else.

Failure to file a necessary Report of Traffic Accident Occurring in California (Form SR-1) or failure to show proof of financial responsibility may result in the suspension of your license.

Unless the officer finds the other driver at fault, any accident the police report to the DMV will go on your driving record.

Removed your vehicle from the street or highway

Don’t forget to have your vehicle removed from the street or highway. Failure to do so may result in your vehicle being towed or impounded.

Related Products and Services Insurance Finder

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Personal Injury Attorneys

When you have an auto accident and incur injuries as a result, you may think about hiring a personal injury attorney.

Teeth shifting after braces #teeth #shifting #after #braces, #edentulism #tooth #loss #teeth #missing #causes #risks #consequences #dentures #mouth #smile #treatments


Causes and Consequences of Tooth Loss

Edentulism, or tooth loss, can rob you of much more than the ability to chew and properly digest food. It has serious social, psychological and emotional consequences, impacting your quality of life, self-image and self-esteem.

Edentulism results when one or more teeth are missing, or need removing due to injury or disease. With full edentulism, all teeth are missing; with partial edentulism, one or more teeth are missing.

Risks and Causes

Although typically associated with the elderly, edentulism also affects children and adults if they do not practice proper oral hygiene.

Children: Toddlers and children run the risk of two types of traumatic tooth loss: premature loss of baby teeth and loss of permanent teeth due to injury or neglect. Dental caries are a major cause of tooth loss in children and teens.

Adults: Gum disease (gingivitis or periodontitis) and dental caries are the leading causes of tooth loss among adults. Periodontal disease is a chronic bacterial infection affecting the gums and bone supporting the teeth. As the disease destroys gum tissue and bone, teeth loosen and may require extraction. Smoking, heart disease and diabetes also are associated with tooth loss.

Elderly: Plaque accumulation and hardening, gum recession, older fillings and dry mouth put the elderly at greater risk for losing their natural teeth.

The incidence of edentulism among certain populations reflects differences in healthy behaviors and attitudes toward oral health and dental care, as well as access to and use of dental services and treatments.

Research indicates that tooth loss caused by gum disease is commonly associated with risk indicators that include age, gender (more common with males), smoking, inadequate personal oral hygiene and professional dental care, diabetes mellitus, hypertension, and rheumatoid arthritis.

Race/ethnicity and socioeconomics also play a role in tooth loss. For example, studies suggest that non-Hispanic black adults keep fewer teeth than non-Hispanic white and Mexican-American adults. Also, a higher percentage of people at every age living below the poverty level is edentulous compared to those living above the poverty level.

Other causes of edentulism include the following:

  • Poor oral hygiene habits: Not brushing and flossing daily can cause the development and progression of tooth decay and gum disease.
  • Poor diet: Foods and beverages high in sugar, carbohydrates and acid may cause irreversible tooth and gum damage.
  • Bad habits: Smoking, chewing tobacco and/or drug use can damage teeth.
  • Lack of education: A lack of education about the causes and consequences of tooth loss prevents people from taking the proper preventative lifestyle and oral health care measures, or from getting periodic dental maintenance or necessary restorative treatment.
  • Fear and embarrassment: Many people suffer from dental phobia, or anxiety/fear of going to the dentist, and do not seek dental treatment, even if they know they have a problem or are in pain. Others are embarrassed or ashamed to seek dental treatment because they feel they will be blamed or judged negatively for the condition of their teeth. Ignoring tooth decay or other serious dental problems can prolong and aggravate the condition.
  • Finances: Some people have to postpone or forgo dental visits and treatments, including regular check-ups and cleanings, due to high dental care costs and/or lack of insurance coverage. Unfortunately, prolonging or eliminating dental care increases the chances of developing serious problems and, subsequently, greater expense for repairs.
  • Trauma: Babies and young children are most susceptible to losing teeth prematurely due to trauma, because their tooth roots and gums are still developing. If parents do not take the proper and often immediate steps to deal with dental trauma, their children’s oral health can be permanently affected. Adults, particularly those who participate in sports or suffer accidents affecting the face, also are at risk for tooth loss.
  • Systemic conditions: Systemic conditions such as heart disease, respiratory disease, diabetes, HIV infection, malnutrition and immunosuppression are all associated with forms of periodontitis that often result in tooth loss.
  • Medical treatments: Certain treatments, such as chemotherapy, head radiation therapy and immunosuppresive medications, weaken the immune system. These treatments may increase the risk of tooth infections and, consequently, the need for tooth extraction.

Consequences of Tooth Loss

  • Mental anxiety
  • Changes in facial features, loss of bone and gum tissue, trouble eating and speaking, poor nutrition
  • Self-consciousness, dissatisfaction with appearance and loss of confidence
  • Pain, distress and relaxation problems
  • Social embarrassment and isolation (Edentulous people may feel embarrassed about their appearance and not want to go out and engage in social interaction and activities. In addition, edentulous people often have to face stereotypical perceptions of being poor, uneducated and/or unhygienic.)
  • Embarrassed and/or ashamed to seek dental treatment
  • Financial burden for costs of possible treatment options (Complex dental care such as dental implants is expensive and typically not covered by insurance).


Patients and their dentists should develop a treatment plan that emphasizes prevention and early detection of oral diseases in order to keep the remaining teeth especially in cases of partial edentulism. Prevention and detection strategies include patient education about edentulism causes, consequences and treatments, and following preventive oral health practices (e.g. daily oral health care), as well as preventative and therapeutic treatment.

However, if tooth loss is unavoidable, there are several options for restoring your teeth and your smile.

Dental implants are artificial tooth roots surgically attached to the jaw to secure a replacement tooth, bridge or denture. Permanent and stable, implant-supported restorations look, feel and function like natural teeth. Dental implants also can be used with a denture for better stabilization. Some implants take two to six months for the bone and implant to bond together (osseointegrate). During this time, a removable temporary tooth replacement can be worn over the implant site. Research also has advanced to where an implant can be placed immediately following tooth extraction in certain cases.

Dentures are removable replacements for missing teeth and adjoining tissues. Partial dentures fill in the spaces created by missing teeth, keep remaining teeth from shifting and are an option if you have some natural teeth remaining. If you have lost most or all of your teeth, complete or full dentures are recommended. “Immediate” dentures are inserted immediately after removal of the natural teeth; “conventional” dentures are placed in the mouth about three to six months after tooth removal.

A Dental bridge is a false tooth that is fused between two porcelain crowns to fill in or bridge the space left by a missing tooth. The two crowns holding the dental bridge in place are cemented to your teeth on each side of the space; the bridge is secured into place and is irremovable. Some bridges also may contain two or more false teeth between the crown components, depending on the case.

Finding a Restorative Dentist

Although general dentists are qualified to provide care for edentulous patients, they may choose to consult with or refer patients to qualified specialists. The specialists most qualified to treat edentulous patients are prosthodontists, who concentrate on the replacement of missing teeth and the restoration of natural teeth, and periodontists, who focus on the prevention, diagnosis and treatment of periodontal disease and the placement of dental implants. Endodontists, specialists in pulp problems, also may be consulted for possible endodontic treatments to save “hopeless” teeth.

For a successful outcome, make sure you receive treatment from a dentist who is professional, yet also sensitive to your situation and offers options in a non-judgmental, non-pressuring manner. Ideally, your dentist should be willing to work with you to develop a treatment plan that meets your clinical, emotional, personal and financial needs. Communicate your feelings and expectations to establish realistic options and, if necessary, compromise. For instance, if money is an issue, your dentist might be able to place an extended wear temporary bridge while you arrange an affordable long-term treatment plan. Or, your dentist might be able to use a laboratory that provides economic, natural-looking prostheses.

The key to finding the right option is to overcome your embarrassment, lack of informed knowledge and shame in order to work with your dental team to establish short- and long-term esthetic, functional and financial goals that will keep your self-esteem and your smile intact.

File An Auto Insurance Claim #what #to #do #after #a #car #accident, #auto #insurance #claim, #auto #insurance #claims, #car #accident #claim


Offering a seamless auto claims experience

Being in an auto accident can be stressful. Filing an auto insurance claim shouldn’t be.

We’ve been helping our members with claims since 1926. With all that practice, we can get you back on the road quickly and fairly.

After the accident

If anyone is injured, call 9-1-1 immediately. Otherwise, contact the police department to file an accident report.

If you’ve signed up for Roadside Assistance call 1-800-421-3535 for a tow.

What else to do – and not do – after an accident:

  • Try to stay calm and focused
  • Call our On Your Side ® Claims Service at 1-800-421-3535 or start your claim online
  • Gather contact and insurance information from those involved
  • Collect witness names and numbers
  • From a safe spot, photograph any damage
  • Don’t offer an opinion regarding who was at fault for the accident
  • Discuss accident details only with the police or your insurance agent
  • Don’t leave the scene until instructed by police

Starting a claim

Although all insurance claims may be different, our claims process is designed to handle each promptly, professionally and with minimal inconvenience to you.

You may start your claim online or by calling Claims Service at 1-800-421-3535 .

You’ll be assigned a claims representative to guide you through the claims process and answer any question you may have about your claim.

The representative will:

  • Gather facts about the accident
  • Explain coverages in your policy and your deductible
  • Help schedule an inspection of your vehicle
  • Arrange for a rental car if needed
  • Review your auto insurance policy and explain the coverages that apply

Arranging for repairs

Choose the type of facility that best fits your needs for an estimate or repair. You may choose from:

  • A Nationwide On Your Side ® Auto Repair Network facility. Find one now
  • A Nationwide Drive-In location
  • A shop you choose outside of Nationwide’s repair network
  • A scheduled field visit

If you choose one of our On Your Side shops, you’ll receive fast, seamless service. We work directly with these pre-screened, pre-qualified shops to streamline estimates, repairs, and payments.

If you already have a repair estimate, you can mail, email or fax it to your Nationwide claims representative. If the claim qualifies, we also can work directly with your repair facility, even if it’s not in our Auto Repair Network.

Enjoy the convenience of real-time text updates.

Learn more or call to get started: 1;”>1-800-421-3535

The Truth About – Before and After – Weight Loss Photos #women #weight #loss,relationships,dating,body #image,before #and #after #photo,weight #loss,weight #loss #before #and #after #body #image,women #before #after #photo


The Truth About ‘Before and After’ Weight Loss Photos

I am the girl on the billboard, the amazing transformation you see on the cover of People magazine, the “before and after” ad for the new diet pill with an asterisk next to my name, the small print reading: *Results not typical. It’s pictures like mine that had a high school version of me spending all of her allowance on Metabolife because if the girl in the magazine could do it, then surely I could, too. And I knew back then that everything in my life would be better, easier, perfect even. if I could just not be fat anymore.

I knew this because that’s what I was told, not by my doctor (because he was old and who needed to listen to him?) but by the most important voices my teenage ears heard. I knew it because Courtney Cox went from being a lonely, dateless loser who breaks porch swings and didn’t have a prom date to a svelte and sexy crop top-wearing serial man-eater on Friends. I knew it because even though she was one of my favorite actresses, Sarah Rue didn’t get the cover of any magazines until she dropped five dress sizes. I knew it because books like Jemima J by Jane Green told me in their shiny chick-lit packaging that even if he notices how smart you are, even if he laughs at your jokes, even if he tells you that you have “such a pretty face,” he won’t admit he wants you until you lose your fat ass. Whether you are seeing it on the silver screen or network cable, on the cover of a magazine or in the pages of a novel, the weight loss Cinderella story you are told is always the same. Lose the fat — and Bibbity Bobbity Boo! — your life instantly becomes a fairy tale.

As someone who has been living as an “after” for the past three years, I can assure you that the fairy tale just isn’t true. Things didn’t suddenly become prime-time perfect when I lost 180 pounds. Yes, I am happier and healthier than I was before my journey started but if you think my life resembles anything like what you see on TV or in the movies you are sadly mistaken. So what does the life of an “after” entail? What’s the part you aren’t seeing in those glossy promotional photos from The Biggest Loser or on the billboards for lap-band surgery on the side of the highway? What does the reality of losing over 150 pounds actually look like? It looks like this:

You see, there is an art to living with a post-weight loss body. It starts every single morning, when I meticulously check myself for new wounds or rashes or sores, side effects of the twenty-some pounds of excess skin that hangs from my frame like a Sharpei. This skin is a road map of scars — incandescent and faded stretch marks from the fluctuations in my weight over the years, crossing the angry, red, raised scabs from my most recent round of infections. It’s skin that no matter how often I have to get medically treated, my health insurance won’t help pay to remove, calling the surgery “cosmetic in nature.” I separate the folds where my navel used to be, before the weight of my apron of excess flesh made it virtually collapse in on itself, and clean it with antibacterial wipes. I make sure I have enough to get me through the day because it is a process I will have to repeat at least once before I go to sleep. I use no fewer than five different ointments and talcums and lotions that are supposed to help keep my skin dry/aid in reducing my scarring/heal my current bedsores. Sometimes I get lucky and there are none. These times are few and far between.

After this initial scar-scanning and cleansing, I begin the process of folding and tucking and binding my body until it looks as tight and as lifted as possible. I put on the clothes I have painstakingly purchased, clothes that 300-pound Candice would have never dreamed of being able to wear. When I was big, this was the part of the fairy tale I fantasized about the most. For years, I had been relegated to the two or three stores that catered to plus-sized women, none of which I would call particularly fashion-forward, because the vast majority of retailers refused to carry my size. The thing is, while I now have virtually every store at my disposal, finding clothing to fit my body is actually harder in some ways. In an era of ultra-low rise, hip-hugging jeans, finding denim that fits my legs while still buttoning over the hang of empty, drooping skin on my stomach is an effort in futility. Shirts with shorter sleeves have to be purchased a size or two up to fit the sag of my bat-wing arms that won’t go away no matter how many bicep curls I do. That leaves the rest of the garment lying listless and sack-like on my now slender frame. Any hopes I had of finally being comfortable in the summertime were dashed the first time I looked for shorts in a size 2 that were long enough to cover the drapes of extra skin that pooled around my thighs. And trust me when I say that there is nothing more frustrating than attempting to find a one-piece bathing suit that is a) not some skirted monstrosity your grandmother would wear and b) not held together by tiny bits of string.

Even the undergarments that I rely on for both support and yes, vanity, stop at a size 4. Nobody with my body could possibly need Spanx, right? As a woman, your hemlines are higher, your fabric is thinner, and your pants are tighter when you dip below a certain size but none of these things work for someone who has pounds of skin to hide. While I would never in a million years pretend to have it as hard as I did when I was plus-sized, shopping did not turn out to be the joy I expected. Instead, it’s become a game of smoke and mirrors and magic tricks, one that I have become a master of over the last three years.

But the smoke and mirrors only go so far, and as a single woman in my early 30s, I’ve had to learn the most painful truth about the weight loss fairy tale: more than one Prince Charming has ridden off on his horse when the reality of my perfectly packaged body turned out not to be as perfect as he thought. Dating becomes less about connection and more about timing.

How many dates can you go on before you have to out yourself as having been fat? How long before they notice that your body doesn’t feel quite right even over your clothes? How long can you put off being seen naked?

You can never quite get comfortable with this secret over your head, this time bomb waiting to blow everything up. Where before you might have felt confident and sexy, you now fumble awkwardly because you are too hyper-focused on hiding your body to let yourself fully enjoy the moment. Yes, some men will tell you that it doesn’t matter. They will tell you that they like you for who you are, that you are beautiful regardless of what’s under your clothes. But that doesn’t stop you from noticing even the slightest hesitation in their touch or a flicker of doubt on their face. And when your relationship ends, like so many do, you are left wondering “what if?” What if you had a normal body? What if you had been the woman he expected based on all his preconceptions? Maybe he didn’t call you back because he didn’t like the way you talked about politics all the time, or perhaps the fact that you curse like a sailor was a turn off for him. Maybe the chemistry just wasn’t there. But in the back of your mind, you always know — or think you know — that it wasn’t any of those things.

Life as an “after” is not perfect. You won’t suddenly get the guy, the promotion, or the popularity you’ve always wanted just because you are thin. If you are looking for a fairytale ending, you won’t find it no matter how much weight you lose. And if you focus only on the aesthetics, your journey won’t ever really be complete. Why? Because you don’t suddenly develop self-esteem when you drop 10 pants sizes or fit into a small. It has taken me a few years, but I am learning how to accept this fact myself. I’m learning to not be ashamed of the physical manifestations of my hard work. Learning to trust that there is someone out there who will love me regardless of whether or not I can ever afford to pay for the reconstructive surgery I so desperately need.

I am not saying I get it right 100 percent of the time, or that I don’t sometimes look in the mirror at my naked body wondering why I am exhausting myself every day for results that I will never fully see. But then I walk up a flight of stairs without stopping to catch my breath or tie my own shoes because I can reach my feet and I remember what my motivation was behind my weight loss to begin with. It wasn’t for a guy or a raise or to fit into some preconceived notion of beauty, but for my physical well-being. That’s the problem with our obsession with “before and afters.” They help sell you a fairytale where everything is perfect with the wave of a magic wand as long as your gown fits nicely. They’re all about what people see and not at all about what truly matters. They don’t tell you the truth: that regardless of what the Monica Gellar’s and Jemima J’s of the world try to tell you, your self-worth is not dependent on a number on the scale or a size tag sewn into the back of a cocktail dress.

You are the same person you were, just with slightly different packaging. And unless you learn to love the person that you see in the “before,” nobody will ever accept you as an “after.” Not even you.

Candice Russell is an activist and freelancer living in Dallas by way of Seattle. Read more of her writing on her blog

The Tungland Corporation, Arizona disabilitiy, Nevada disability, Autism services, caregivers, DDD #arizona, #new #mexico #disabilities,supported #living #program, #phoenix #group #home, #day #programs, #scan #health #care, #summer #programs, #adult #foster #care, #children #foster #care, #flagstaff, #tucson, #farmington, #supportive #living, #vocational, #foster #care, #summer #programs, #after #school #programs, #autism, #disabilities, #ddd, #division #of #developmental #disabilities, #cottonwood #group #homes, #counseling, #consulting, #adult #family #home, #service #providers, #adh, #cdh, #mesa #group #homes, #new #mexico #disability #service, #arizona #disability #service, #lawn #service, #new #mexico #residential #services, #new #dd #provider #in #the #farmington, #nm #area. #


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Updates about the tungland corporation


Did you know that The Tungland Corporation is now serving individuals with cognitive and mental disabilities in the Nevada and New Mexico areas?

Read more about our Nevada or New Mexico locations and the service that are provided in those areas by clicking on the links below!

The Tungland Corporation (TTC) offers support services for children, adolescents, adults and elders, ranging from residential community-based services, day treatment programs, in-home respite, habilitation and attendant care, to specialized living arrangements, foster or host homes, counseling, consulting, and employment/vocational support services.

Used Car Price in Germany: Is it Cheaper Even After Shipping? #car #supermarkets #uk

#german cars for sale

Used Car Price in Germany: Is it Cheaper Even After Shipping?

A used car price in Germany can be an attractive prospect. Prices in Germany are often lower than on comparable models in the US, sometimes upwards of 7% lower. But when other aspects are factored in, does it really turn out to be a cheaper alternative when the car has arrived in your driveway?

For many years, German manufacturers have offered various types of “European delivery” promotions. These programs are a great option for those who might be planning an extensive vacation and would like to forgo the train. Plus, discounted airfare is often included in the package as a further incentive. Some people have reported saving as much as the cost of their round-trip flights. Rental cars can get expensive after a few weeks, therefore many people decide to just put that money into a car that they can keep, and enjoy their vacation in a car that they love and can then drive back home in the states. The manufacturers handle the bulk of the transaction on behalf of the buyer, and often work with your home dealership to arrange delivery. When all is said and done, though, you haven’t really saved on the price of a car, but you have perhaps cut down on your vacation expense.

Importing a used car from Germany is a bit different, whether you will buy it in person, or over the phone. You are no longer under the umbrella and reputation of a new car dealership. It will be your responsibility to arrange freight in Germany, but there are many companies out there that specialize in this, and a simple web search should yield good results. Also, keep in mind that you will need to arrange for the car to be checked out by a mechanic, especially if it is owned by an individual. The dealer or selling individual in Germany could set this up for you. Keep in mind also that the language barrier may be a problem for your transaction. It would not hurt to brush up on some basic German sentences. In short, you will need to go through much of the same basic used car-buying steps that you would if you were doing it here, and while these steps may not cost more in terms of money spent, taking care of all these logistics could become a time-consuming affair.

A major factor that could impact any savings from your German-imported car is the meeting of U.S. specifications. Imported cars must meet the requirements of the U.S. Department of Transportation and the Environmental Protection Agency. Many foreign models don’t and will require modification, most likely in terms of bumper replacement and exhaust system upgrading. These items, in conjunction with import duties and taxes, could erase that initial 7% savings very quickly.

Your particular state will have different procedures for how to go about this process, especially regarding state taxes. You can get more information from the following sources: Environmental Protection Agency. Department of Transportation Office of Vehicle Safety Compliance NHTSA and U.S. Customs Service .

Summary of Women – s Health After Abortion #abortion #after #effects #body


The deVeber Institute
for Bioethics and Social Research

1. Suicide

· Within 12 months of the abortion or live delivery, Scandinavian women who aborted experienced a suicide rate of 34.9 per 1000, compared to a suicide rate of 5.9 per 1000 for women who delivered their babies. This is a suicide rate nearly six times greater. (Gissler et al. British Medical Journal, 1996) [WHAA. 193)

· A similar study in Wales discovered that women who aborted experienced a suicide rate 3.25 times greater (Morgan et al. BMJ. 1987) [WHAA. 196-7]

· A similar study in the U.S. found a suicide rate 2.6 times greater (Reardon et al. Archives of Women’s Mental Health. 2001) [WHAA. 197]

2. Mental Health

· A study sponsored by the College of Physicians and Surgeons of Ontario found that after three months, aborted women had a rate of 5.2 per thousand hospitalizations for psychiatric problems, compared to a rate of 1.1 per thousand for the control group. (Ostbye et al. American Journal of Medical Quality. 2001) [WHAA. 3]

· Recently (Nov. 2006), a rigorously neutral study from New Zealand has uncovered a strong correlation between induced abortion and subsequent mental health problems. By every measure, whether it is major depression, anxiety disorder, suicidal ideation, alcohol dependence, illicit drug dependence, or mean number of mental health problems, those who terminated their pregnancy by abortion suffered much higher rates of disorder than those who were never pregnant, and those who were pregnant but did not abort. After ‘covariate adjustment’, they found that those in the ‘not pregnant’ and ‘pregnant no abortion’ categories ran far lower risks of suffering various disorders.

Table: Percentage lower risks experienced by Not pregnant and Pregnant No Abortion, compared to Pregnant Abortion
Measure P ercentage lower risk than Pregnant Abortion subjects
Not pregnant Pregnant no abortion
Major depression 52 65
Anxiety disorder 48 56
Suicidal ideation 58 76
Illicit drug dependence 80 85
Number of mental
Health problems 34 42

(Source: Fergusson et al. Journal of Child Psychology and Psychiatry 2006; 47(1): 16-24, Table 3)

3. Prematurity

· Induced abortion was associated with an 86% increased risk of very preterm birth (under 33 weeks’ gestation) among women with previous first-trimester abortions, and a 267% increased risk among women with previous second-trimester abortions. (Ancel, Papiernik et al. British Journal of Obstetrics and Gynaecology. 1999) [WHAA. 46]

· Two large multi-centre case-control studies were conducted in Europe. Both studies revealed that previous induced abortion was associated with increased risk for very preterm delivery. (Moreau et. Al. International Journal of Obstetrics and Gynaecology. 2005. Ancel et. Al. Human Reproduction. 2004)

· The risk of prematurity following an induced abortion is the same as the risk of prematurity if the woman smokes a pack of cigarettes a day when pregnant. (Moreau et. Al. International Journal of Obstetrics and Gynaecology. 2005.)

· Prematurity in turn is associated with an enormous increase in the risk of cerebral palsy and other health problems.

4. Lower fertility after abortion

· Women who have abortions experience 6% lower fertility than women who do not have abortions. (Frank et al. British Journal of Obstetrics and Gynaecology. 1993) [WHAA. 64]

5. Abortion and STDs

· Women with a history of induced abortion were found to be 3.15 times more likely than women without a history of induced abortion to be seropositive for the organism causing Pelvic Inflammatory Disease (PID). (Jonsson et al. Sexually Transmitted Disease. 1995) [WHAA. 67]

· Chlamydia is a major cause of post-abortion PID (Giertz et al. Acta Obstetrica et Gynecologica Scandinavica. 1987) [WHAA. 68]

6. Abortion and breast cancer

· Out of 37 studies up to the year 2003 of the link between induced abortion and subsequent breast cancer, 23 showed a 30% increased risk of breast cancer for women who experienced induced abortion. [WHAA. 26-8].

· Since 2003 five studies have been published showing no link between abortion and breast cancer. However, these studies are either underpowered or use a control group with the same risk characteristics as the women who have had induced abortions.

· The National Cancer Institute denies any link between induced abortion and breast cancer

· However, the National Cancer Institute has itself sponsored two major studies which discovered a 50% greater risk and 137% greater risk respectively of breast cancer among women who aborted their pregnancy. (Daling et al. Journal of the National Cancer Institute. 1994; Pike et al. British Journal of Cancer. 1981) [WHAA. 19]

7. Complication rates

· A study conducted by the College of Physicians and Surgeons of Ontario shows that after induced abortion there is a 4 times increase in medical admissions and a 5 times increase in surgical admissions to the hospital. (Ostbye T, Wenghofer EF, Woodward CA. American Journal of Medical Quality 2001.)