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  • Compare home loans, personal loans car loans, boat loans, truck loans and business loans.
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Vanguard International Income Funds #markets, #vanguard #international #income #funds, #income #funds, #income #mutual #funds, #vanguard #funds, #vgxrx, #viaix, #vihix, #vgovx, #vtibx


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Vanguard International Income Funds

In our ongoing coverage of Vanguard funds, we now turn the spotlight on Vanguard international income funds.

Although international investing tends to involve greater market risk compared to the U.S. market, investors can potentially be rewarded with long-term returns and high yields. Investors looking for international income funds are typically looking for sources of income as an alternative to or supplement for U.S. income funds.

We ve already covered Vanguard international funds. but we ve carved out a special feature of Vanguard s selection of international income funds, which includes a diverse range of five choices, including an REIT fund, two dividend funds and two bond funds.

Vanguard International Income Funds

Vanguard Global ex-U.S. Real Estate Index (MUTF: VGXRX ): This international income fund from Vanguard focuses on real estate stocks and real estate investment trusts, commonly referred to as REITs, in countries outside of the U.S. International stocks in the real estate sector can add diversity to a portfolio while providing a source of steady income from dividends. Top holdings include the likes of Mitsubishi Estate Co. Ltd. (OTCMKTS: MITEY ) and Unibail-Rodamco SE (OTCMKTS: UNRDY ). VGXRX charges a fee of 0.25% on both purchases and redemptions. The expense ratio is 0.35%, or $35 for every $10,000 invested.

Vanguard International Dividend Appreciation Index (MUTF: VIAIX ): Investors looking for low-cost exposure to high quality international stocks that pay dividends will want to take a close look at VIAIX. This fund tracks the Nasdaq International Dividend Achievers Select Index, which consists of about 240 non-U.S. stocks of all market caps that have consistently increased dividends in the past. VIAIX charges a fee of 0.25% on both purchases and redemptions. The expense ratio for VIAIX is 0.35%.

Vanguard International High Dividend Yield Index (MUTF: VIHIX ): Vanguard s VIHIX is an index fund that tracks the FTSE AW ex US High Dividend Yield Index, which is a market cap weighted index consisting of stocks of companies located in developed and emerging markets that are expected to pay above-average yields from dividends. VIAIX charges a fee of 0.25% on both purchases and redemptions. The expenses for VIHIX are 0.42%.

Vanguard Emerging Markets Government Bond Index (MUTF: VGOVX ): Investors looking for high yields and diversification through international bonds will want to consider VGOVX as an addition to their portfolio. This index fund holds bonds issued by governments in emerging markets. This type of foreign exposure adds risk but the current yield of 4.06% may be worth the risk for some investors. There is a purchase fee of 0.75%, and expenses for VGOVX are 0.49%.

Vanguard Total International Bond Index (MUTF: VTIBX ): Vanguard s VTIBX is a smart choice for investors looking for fixed income through low-cost, broad exposure to international bonds. This international income fund tracks an index of over 4400 bonds that include government and corporate issues from developed and emerging markets. The expense ratio for VTIBX is 0.15%.

As of this writing, Kent Thune did not personally hold a position in any of the aforementioned securities, although some of his client accounts hold VGTSX. Under no circumstances does this information represent a recommendation to buy or sell securities.

More From InvestorPlace


Chapter 7 Bankruptcy Income Limits by State #average #income #of #a #lawyer


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State Median Incomes for Bankruptcy

Qualifying Under the Chapter 7 Means Test

If you are wondering if you’ll be able to file for bankruptcy under Chapter 7. there’s good news. Most people who turn to Chapter 7 find that they are allowed to file under the means test.

Determining who can file for bankruptcy is one of the more complicated steps in the bankruptcy process, and many filers work with a bankruptcy attorney to make sure they complete this process correctly.

Here’s how the Chapter 7 eligibility test works:

  1. The Chapter 7 means test involves comparing your income to a family the same size as yours in your state. If your income falls below the median amount, you can usually file for Chapter 7 bankruptcy.
  2. If your income is higher than the applicable median, a calculation of your monthly expenses, income, and debts is used to determine whether you can file under Chapter 7.

Ask a local participating attorney today if you qualify to file Chapter 7:

Chapter 7 Income Limits by State Family Size

Your eligibility to file Chapter 7 is determined by comparing your annual income to the median income of the same household size in your state.

Find the median income level of your state to see if you may qualify to file for Chapter 7 and eliminate debt. Then, talk to a bankruptcy lawyer about your debt-relief options.

These numbers relate to cases filed on or after November 15, 2013 .

Find your state in the list below:

Note: “Family size” has a specific legal definition. Consult with a local bankruptcy lawyer for information on how these changes may impact your options. Although we try to keep the means test median income information on this page as up-to-date as possible, the median income table may be updated at any time, and information on this page may be out of date.

Tables updated: May 2, 2013

The latest information can be found at the U.S. Trustee Program Web site. An attorney can also give you the latest median numbers.

If you’re not sure whether filing for bankruptcy could help you, a bankruptcy attorney can help assess your finances and tell you more about your options. You might want to consider a Chapter 13 bankruptcy .

Click below to ask a bankruptcy lawyer for free if you qualify to file Chapter 7 or 13. Connect with a lawyer near you today and ask if Chapter 13 or 7 could work for you.

Copyright © 2017 MH Sub I, LLC. All rights reserved. ® Self-help services may not be permitted in all states. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising. In some states, the information on this website may be considered a lawyer referral service. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state.Your use of this website constitutes acceptance of the Terms Conditions , Supplemental Terms , Privacy Policy and Cookie Policy .

Copyright © 2017 MH Sub I, LLC. All rights reserved. ® Self-help services may not be permitted in all states. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising. In some states, the information on this website may be considered a lawyer referral service. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state.Your use of this website constitutes acceptance of the Terms Conditions , Supplemental Terms , Privacy Policy and Cookie Policy .


Buy LIC New Policy 9480240513 LIC BANGALORE free Life Insurance quotes #buy #lic #new #policy, #ic #agent #in #bangalore, #free #insurance #quote, #jeevan #akshay #quote, #whatsapp, #twitter, #face #book, #lic #agent #bangalore, #bima #diamond #plan, #bima #bachat, #lic #agent, #tax #saving #plans, #tax #saving #policy, #tax #planning, #tax #planner, #save #tax, #tax #saver, #lic #new #jeevan #anand, #irda #licensed, #lic #bengaluru, #karnataka, #india, #9480240513, #c #v #raman #nagar, #marathahalli, #manyata #tech #park, #itpl, #electronic #city, #tamil, #kannada, #life #insurance #plan, #jeevan #labh, #money #control, #tamil, #lic #india, #lic #new #plans, #lic #advisor, #lic #policy, #government #of #india, #income #tax, #money #back #plans, #lic #bangalore, #karnataka, #tax #saving #schemes, #life #insurance, #bima, #bima #policy, #lic #bima #policy, #policy #agent, #insurance #agent, #children #education, #pension #policy #and #tax #saving #plans, #


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LIC New Plans :

Life Insurance Corporation of India ( LIC India )

The Life Insurance Corporation of India is one of the Insurance Company of India, it is an Indian State Owned Insurance Group and Investment Company whose headquarters is in Mumbai. LIC of India is the largest Insurance Company of India, with best claim settlement ratio in the world.
The Life Insurance Corporation of India was founded in 1956, when the Parliament of India passed the Life Insurance of India Act, which nationalised the private insurance industry in India. It is the only Life Insurance company which is run by the Government of India.

LIC India Life Insurance Policy

Life Insurance is essential for every one. A salaried person, businessmen or a minor, Life Insurance policy planned at younger age would help the proposer to save premium and get maximum advantage.LIC Life Insurance policy premium would be fixed according to entry age and till the end of paying term it would be the same .
There various stages in everyone’s life. These stages are indications for an individual to increase Insurance coverage, invest and save more money for the future.

The stages are :

  • The Starting-out years. (25-30 yrs)
  • Stage 2: The Setting-up years. (35-45 yrs)
  • Stage 3: The spending years. (45-55 yrs)
  • Stage 4: The Accumulation Years. (55-65 yrs )
    Know you are in which stage. Planning is a must for Life Insurance not only because it your hard earned money, future would be secured.

    Call us at 9480240513 for best life insurance policy and save maximum tax on lic premium.

    LIC New Senior Citizen Plan

    Government of India – PRADHAN MANTRI VAYA VANDANA YOJANA – LIC PLAN 842 – IMMEDIATE PENSION PLAN

    Pradhan Mantri Vaya Vandana Yojana plan is only for 60 years above as announced by Government of India in the Budget 2017-18. Pradhan Mantri Vaya Vandana Yojana plan would be available for one year from date of launch so this plan can be purchased till 3rd May, 2018 only.

    Pradhan Mantri Vaya Vandana Yojana plan Benefits:

    Pension Payment.
    n survival of the Pensioner during the policy term, Pension in arrears (at the end of each period as per mode chosen by the Pensioner) shall be payable.

    Death Benefit:
    On death of the Pensioner during the policy term, the Purchase Price shall be refunded to the nominee/legal heirs.
    Maturity Benefit: On survival of the pensioner to the end of the policy term, Purchase price and the final pension instalment shall be payable.

      Taxation.

      All plans, tax exemptions are subject to Income Tax rule amendments from time to time by Government of India under Income Tax Act.,


    • AARP Life Insurance & Lifetime Income Programs from New York Life #monumental #life #annuity, #life #insurance #and #lifetime #income #annuities


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      Who Are You
      Planning to Protect?

      † Includes details on costs, eligibility, renewability, limitations and exclusions.

      New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.

      The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. The AARP Lifetime Income Program is underwritten by New York Life Insurance and Annuity Corporation (NAIC #91596), Newark, DE 19713. AARP membership is required for Program eligibility. Guarantees are based on the claims-paying ability of NYLIAC. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company and NYLIAC are licensed in all 50 states. (Group life insurance policy forms AA-08, AA-64, AA-65, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-0H, ILJUV6-VT). (Group annuity policy forms IA-01, IA-02, and IA-04). New York Life Insurance and Annuity Corporation is a wholly owned subsidiary of New York Life Insurance Company

      Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

      Young Start is a service mark of New York Life Insurance Company.

      The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927 .

      © 2017 New York Life Insurance Company. All rights reserved.

      Close Window We re Sorry

      An error has occurred, which may prevent this page from functioning properly. We apologize for any inconvenience this may have caused. Please try again later.

      For assistance by phone, please call New York Life at 1-800-865-7927

      Monday – Friday 8 a.m. to 8 p.m. (ET), or Saturday 9 a.m. to 5 p.m. (ET).


      Dws high income fund #dws #high #income #fund


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      T. Rowe Price Tax-Free High Yield Fund

      Morningstar rated the Tax-Free High Yield Fund among 144, 144, 118 and 85 High Yield Muni funds for the overall rating and the 3-, 5-, and 10-year periods (as applicable) ending 04/30/2017, respectively.

      The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.

      This chart shows the value of a hypothetical $10,000 investment in the fund over the past 10 years or since its inception (for funds lacking 10-year records). The result is compared with benchmarks, which may include a broad-based market index and a peer group average or index. Market indexes do not include expenses, which are deducted from fund returns as well as mutual fund averages and indexes.

      1 The Morningstar Rating for funds, or “star rating”, is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.

      The Morningstar Analyst Rating is not a credit or risk rating. It is a subjective evaluation performed by the manager research analysts of Morningstar. Morningstar evaluates funds based on five key pillars, which are process, performance, people, parent, and price. Analysts use this five-pillar evaluation to determine how they believe funds are likely to perform over the long term on a risk-adjusted basis. They consider quantitative and qualitative factors in their research, and the weighting of each pillar may vary. The Analyst Rating scale is Gold, Silver, Bronze, Neutral, or Negative. A Morningstar Analyst Rating of Gold, Silver, or Bronze reflects an Analyst’s conviction in a fund’s prospects for outperformance. Analyst Ratings are continuously monitored and reevaluated quarterly.

      For more detailed information about the Morningstar Analyst Rating for funds, including its methodology, please click here.

      The Morningstar Analyst should not be used as the sole basis in evaluating a fund. Morningstar Analyst Ratings involve unknown risks and uncertainties, which may cause Morningstar’s expectations not to occur or to differ significantly from what we expected.

      Source for Morningstar data: 2017 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

      Average Annual Total Returns and Benchmarks

      Current performance may be lower or higher than the quoted past performance, which cannot guarantee future results. Share price, principal value, yield and return will vary and you may have a gain or loss when you sell your shares.

      The Tax-Free High Yield Fund charges a 2% redemption fee on shares held 90 days or less. The performance information shown does not reflect the deduction of the redemption fee; if it did, the performance would be lower.

      2 The 30-day dividend yield represents the average daily dividends for the 30-day period, annualized and divided by the net asset values per share at the end of the period; it is available the first quarter after the fund’s inception. The SEC standardized yield is computed under an SEC standardized formula and reflects an estimated yield to maturity (assuming all portfolio securities are held to maturity); it is available the first month after the fund’s inception.

      3 Average annual total return figures include changes in principal value, reinvested dividends, and capital gain distributions. For funds less than one year old, the Since Inception return figure is not annualized and represents an aggregate total return.

      ^ The gross expense ratio reflects the fund expenses as stated in the fee table of the fund’s prospectus prior to the deduction of any waiver or reimbursement. The net expense ratio reflects fund expenses after the deduction of any waiver or reimbursement. If a fund has an active contractual expense ratio limitation, the expiration date is shown below the gross and net expense ratio values above. Expense ratios are as of the most recent prospectus.


      Mutual Funds – Fixed Income, International, Asset Allocation, Alternative, Equity Funds #virtus, #mutual #funds,fixed #income,equity,alternatives,international/global,asset #allocation


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      Our Products

      Mutual Funds

      Price Performance:

      Above are prices and performance for Virtus Mutual Funds. For more information about a fund, including returns as of the most recent month-end, click on the fund name.

      Net Asset Value (NAV) Per Share: The market worth of one share of a mutual fund. This figure is calculated by subtracting a fund’s liabilities from total assets (securities, cash and any accrued earnings) and dividing by the number of shares outstanding.

      Public Offering Price (POP): The price at which a fund’s shares can be purchased. The offering price includes the current net asset value (NAV) per share plus any sales charges.

      On each day the New York Stock Exchange is open for trading, the net asset value (NAV) is determined as of the close of trading (normally 4:00 pm Eastern Time). The NAV and POP for all funds are subject to change.

      Investors should carefully consider the investment objectives, risks, charges and expenses of any Virtus Mutual Fund before investing. The prospectus and summary prospectus contains this and other information about the fund. Please contact your financial representative, call 1-800- 243-4361 or visit www.virtus.com to obtain a current prospectus and/or summary prospectus. You should read the prospectus and/or summary prospectus carefully before you invest or send money.

      Performance data quoted represents past results. Past performance is no guarantee of future results and current performance may be higher or lower than the performance shown. Investment return and principal value will fluctuate, so your shares, when redeemed, may be worth more or less than their original cost. Please click on the fund name link for additional fund details and performance data current to the most recent month-end.

      Average annual total return is the annual compound return for the indicated period. It reflects the change in share price and the reinvestment of all dividends and capital gains. NAV returns do not include the effect of any applicable sales charges. POP and w/CDSC returns include the effect of maximum applicable sales charges.

      Returns for periods of less than one year are cumulative total returns.

      POP (Public Offering Price) performance reflects the deduction of the maximum sales charge as follows:

      • All equity, balanced, asset allocation, alternative and international/global 5.75%
      • Virtus Newfleet Bond Fund, Virtus Newfleet High Yield Fund, Virtus Newfleet Multi-Sector Intermediate Bond Fund 3.75%
      • Virtus Newfleet Senior Floating Rate Bond Fund, Virtus Newfleet CA Tax-Exempt Bond Fund and Virtus Newfleet Tax-Exempt Bond Fund 2.75%
      • Virtus Newfleet Multi-Sector Short Term Bond Fund and Virtus Newfleet Low Duration Income Fund 2.25%

      For our Equity (except Sector Trend Fund), Asset Allocation, International and Alternative Mutual Funds a contingent deferred sales charge of 1% may be imposed on certain redemptions within 18 months on purchases on which a finder s fee has been paid .

      For our Fixed Income Funds and Sector Trend Fund, a contingent deferred sales charge of .50% may be imposed on certain redemptions within 18 months on purchases on which a finder s fee has been paid (within 12 months for Virtus Newfleet Multi-Sector Short Term Bond Fund and Virtus Newfleet Low Duration Income Fund).

      Click here for more information on Breakpoint (Volume) Discounts on Class A Share Purchases.

      The maximum contingent deferred sales charge (CDSC) for Class C shares is 1%. However, w/CDSC performance for Class C shares reflects the deduction of: 1% for all shares redeemed within the first year; 0% for all shares redeemed at the end of year one and thereafter.

      Virtus Newfleet Multi-Sector Short Term Bond Fund Class C shares are subject to a 0% deduction for all shares redeemed.

      Class I Shares are offered primarily to clients of financial intermediaries that (i) charge such clients an ongoing fee for advisory, investment, consulting or similar services, or (ii) have entered into an agreement with the distributor to offer Class I shares through a no-load network or platform. Such clients may include pension and profit sharing plans, other employee benefit trusts, endowments, foundations and corporations. Class I shares are also offered to private and institutional clients of, or referred by, the adviser, the subadviser and their affiliates.

      Class C1 Shares:

      The maximum contingent deferred sales charge (CDSC) for Class C1 shares is 1%. However, w/CDSC performance for Class C1 shares reflects the deduction of: 1% for all shares redeemed within the first year; 0% for all shares redeemed at the end of year one and thereafter.

      Class R6 Shares:

      For Class R6 Shares, there is no minimum initial investment and there is no minimum for additional purchases. R6 Shares are available only to certain employer-sponsored retirement plans, including Section 401(k), 403(b) and 457, profit-sharing, money purchase pension and defined benefit plans and non-qualified deferred compensation plans, in each case provided that plan level or omnibus accounts are held on the books of the fund. If you are participating in an employer sponsored retirement plan, such as a 401(k) plan, profit-sharing plan, defined benefit plan or other employer-directed plan, your company will provide you with the information you need to open an account and buy Class R6 Shares.

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      Mutual funds distributed by VP Distributors, LLC. member FINRA and subsidiary of Virtus investment Partners, Inc.

      *Virtus Multi-Sector Short Term Bond Fund had the highest Lipper Leader for Consistent Return (Effective Return) value in its Lipper classification, Short-Intermediate Investment-Grade Debt Funds, for the 5-year period, out of 114 funds. Virtus International Real Estate Fund had the highest Lipper Leader for Consistent Return (Effective Return) value in its Lipper classification, International Real Estate Funds, for the 3-year period, out of 45 funds. Lipper ranks the funds based on total return as of 11/30/16. Each fund is ranked within a universe of funds similar in portfolio characteristics and capitalization. Rankings do not include the effect of a fund s sales load, if applicable. Lipper ranking is for Class I shares only, other classes may have different performance characteristics.

      Lipper, Inc. is a nationally recognized organization that ranks the performance of mutual funds. From Thomson Reuters Lipper Awards, 2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited.


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      Getting IRS Tax Help in
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      Attorney Jim Gilland Is Experienced, Trustworthy and Authorized to Represent Clients In Court of Law If Needed


      Free Cars For Low Income Families #classic #car #parts


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      Free Cars For Low Income Families

      Are you curious as to how you can get free cars for low income families?  Believe it or not there are actually a good number of organizations out there who offer grants (if not outright cars) for families in financial need.

      Think about how necessary a car is in today’s society.  Perhaps if you live in a large city with an excellent public transportation you can get away without having a car.  But even then there are times that a car could come in handy; indeed when a car can be downright necessary, especially when you don’t have the cash on hand to call a cab.  Unfortunately for many low income families owning a car is a pipe dream.  They simply can’t afford one even though they live in a country where one’s way of life is defined by being able to move about independently.

      The United States has one of the highest concentrations of cars per capita of any country on the planet, but unfortunately the distribution of cars is not even throughout the population.  While many families own two or more cars; sometimes even having one car per member of the household, other families, usually those with lower incomes or who fall in under the poverty line end up having no cars at all, which is where those organizations that offer grants for cars or who award cars to deserving families outright can definitely play their part.

      Grants for cars for low income families come in one of two basic forms, they are either grants for money in order to purchase a car, or cars awarded to families outright based on financial need.  These cars and the money to purchase cars either come from nonprofit organizations or charitable organizations. Two examples of these kinds of organizations are cargrants.org and Vehicles for Change.

      Cargrants.org solicits essays from individuals (low income families and students) or nonprofit organizations that are looking to get a free car in order to make a difference in their lives or in their work.  Along with proof of financial need these essays are judged by the organization and free used cars are awarded to those individuals who fit their specifications.  For more information on car grants go to:   CarGrants.org NOTE: CarGrants.org is no longer providing a car grant service please see Kipp Shives updated post on Car Grants and Cars For Low Income Families for current providers.

      Vehicles for Change is a charitable foundation that awards low income families, individuals and nonprofit organizations rebuilt and repaired used cars to help them overcome the worst of their difficulties.  For more information regarding Vehicles for Change, go to: vehiclesforchange.org

      Of course these are not the only organizations out there that offer grants to low income families for cars.  In fact, if you Google “car grants” chances are good that you will find organizations specific to your area; set up to help individuals in need get affordable vehicles in order to make their lives easier.


      Car prices outpace income in all but one major city #trade #in #cars


      #new car prices
      #

      Car prices outpace median income in all but one major city

      By: Craig Guillot, February 26th 2013

      Median-income families in only one major city can afford the average price Americans are paying for new cars and trucks these days.

      That’s the sobering result of Interest.com’s 2013 Car Affordability Study. which determined how much the typical household in the nation’s 25 largest cities should spend on a new vehicle.

      It found that median-income car buyers in the Washington, D.C. area could afford to spend $31,940, or enough to buy a luxurious BMW X1 crossover.

      But those in Tampa could afford to spend less than half that much, or only $14,516, which is enough to buy a subcompact Chevrolet Sonic.

      The surprising differences we found among those cities reflect not only a significant variation in median household incomes but a wide range of tax rates and insurance costs.

      The results also point to a clear, undeniable conclusion.

      We spent more than $30,000 on the average new car and light truck — pickups, SUVs and vans — last year.

      Yet Washington is the only city where the median-income family could truly afford to pay that much.

      “What this research indicates, more than anything, is that a lot of Americans are spending too much money on their cars,” says Mike Sante, managing editor of Interest.com.

      “Car costs are one of the most controllable parts of a household’s budget. For example, if you live in New York City or San Francisco, you’re probably going to have to pay a lot for housing, but you don’t have to pay a lot for a car. You’re better off driving something more affordable and saving or investing the difference.”

      Prudent Purchase Prices

      Here’s how much the median-income family in the 25 largest cities can afford to spend on a new car or truck and how much that exceeds, or falls short, of the average price of a new vehicle bought last year ($30,550).

      Washington, D.C. Affordable Purchase Price $31,940