How Much You Have To Make To Be Middle Class? $ Video

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ADULT BRACES | How To Pay For Braces Without Insurance | How Much I’m Paying for Braces! ( Video

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Term Life Insurance Quote Calculator, TIAA, how much should term life insurance cost.

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Life Insurance Premium Quick Quotes

  • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
  • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
  • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
  • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

To discuss your specific situation, call us at 877-276-9429.

Please call 877-276-9429 for quotes at face amounts other than those shown above.

This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

How much should term life insurance cost

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About TIAA

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender How much should term life insurance cost. TIAA Direct and EverBank are divisions of TIAA, FSB.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017


How Much Life Insurance Do I Need: Farmers Insurance, how much term life insurance.

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How Much Life Insurance Do

The simple answer? You need enough Life insurance to help take care of your dependents’ financial future if you die.

Calculating How Much Life Insurance You May Need

How much term life insurance

It’s important to find out how much life insurance coverage best fits your needs. Take into account the following key factors to help calculate your life insurance needs:

Personal debts include credit cards, car payments, lines of credit, and any other personal debts. Adding up your debts is the first step to understanding your life insurance needs.

Income

Your family depends on your income to help cover living expenses. It’s important to consider and add up how much income they would need to continue on without you, and how long they would need it.

Mortgage

Most likely, you’d want your family to be able to maintain the quality of life you’ve built for them if something were to happen. What would it take for your family to pay off your mortgage if you were gone?

Education

Do your children attend public or private school? What are those costs per year? Also, think about college. Do you expect your children to pay for part of it themselves or take out loans? Do you want to leave them enough to cover it all?

Other Factors

In addition to calculating your debts, income, mortgage, and education costs, you may also want to take into account your:

  • Age and income
  • Marital status; if married, your spouse’s age and income
  • Number and ages of your children, any special needs they may have, and projections for future educational expenses
  • Family’s cost of living, including your mortgage, the amount you have in savings, as well as other outstanding debts
  • Charitable giving goals (if applicable)
  • Aging parent or disabled relative who depends on you for support
  • Final and end-of-life expenses such as medical care and funeral costs

This may look simple, but calculating one’s individual situation can be fairly complicated.

That’s why we offer the personal guidance and assistance of a local Farmers insurance agent. If you’re serious about protecting your family’s future, talk to a local Farmers agent in your community today!

This calculator is created and maintained by Life Happens at Life Happens.org. Access to this calculator is provided as a convenience to you. Farmers Group, Inc., its parents, subsidiaries, affiliates, including Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, and their respective officers, directors, employers, agents and representatives, shall not be responsible for your use, non-use or reliance upon these calculators, or the accuracy of your entries or records made by you. Entry and storage of any and all data is solely your responsibility. We encourage you to always maintain a duplicate copy of all your records.

As with other helpful tools, the information provided by this calculator is for illustrative purposes only and is not intended to offer any tax, legal, or financial advice. It is always a good idea to consult the appropriate professionals for advice specific to your situation.


Arizona Insurance Agency – Home

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Our goal is to be able to provide quality, affordable insurance to all those who need it, regardless of history or circumstance. We work hard to provide you with the most comprehensive coverage at the most competitive rates. Call today to schedule an appointment with one of our friendly and professional agents! We look forward to hearing from you.

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Laser Tattoo Removal Procedure, Benefits, and Risks

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Laser Tattoo Removal: What to Know

Nearly 30% of people in the U.S. have at least one tattoo. Almost half of all millennials have one. But not all of them are happy about their decision. As many as 25% of those with a tattoo say they regret getting it.

If you’re in that 25%, there is good news. Laser tattoo removal techniques can get rid of your unwanted tattoo with minimal side effects.

How It Works

Lasers remove tattoos by breaking up the pigment colors with a high-intensity light beam. Black tattoo pigment absorbs all laser wavelengths, making it the easiest color to treat. Other colors can only be treated by selected lasers based upon the pigment color.

You should first schedule a consultation with a trained professional who can evaluate your tattoo and advise you on the process. The number of treatments you will need will depend on the age, size, and color(s) of your tattoo. The color of your skin. as well as how deep the tattoo pigment goes, will also affect the removal technique.

In general, this is what you should expect during a laser tattoo removal session:

  1. You’ll be given a pair of protective eye shields.
  2. The technician will test your skin’s reaction to the laser to determine the most effective energy for treatment.
  3. The technician uses the laser to pass pulses of intense light through the top layers of your skin that will be absorbed by the tattoo pigment only.

Smaller tattoos will require fewer pulses while larger ones will need more to remove them. In either case, to completely get rid of a tattoo, it will take several treatments. After each visit, your tattoo should become progressively lighter.

Laser tattoo removal is uncomfortable, but most patients don’t need anesthesia. Depending on the location of your tattoo, you may want to apply a topical anesthesia cream beforehand.

Immediately following the treatment, use an ice pack to soothe the treated area. And apply an antibiotic cream or ointment and bandage to protect it. You should also be sure it’s covered with sunblock when you’re outside.

Continued

Side Effects

Laser treatment is often safer than many other tattoo removal methods, such as excision, dermabrasion. or salabrasion because laser treatment selectively treats the pigment in the tattoo. And there are very few side effects. However, you should consider these factors in your decision:

  • Your tattoo removal site is at risk for infection. And there is a slight chance that you will have a permanent scar.
  • It’s unlikely that your tattoo will be completely removed. In many cases, certain colors may be more effectively removed than others. Blue and black tattoos, for example, respond well to laser treatment.
  • You may end up with hypopigmentation, which means the skin that is treated is paler than the skin surrounding it. You could also have hyperpigmentation, which leaves the affected skin darker than the rest of your skin.
  • Cosmetic tattoos like lip liner, eyeliner, and eyebrows may actually get darker after treatment. They do tend to fade with additional sessions.

Find a Reputable Doctor

To ensure you get proper treatment and care, find a reputable dermatologist or cosmetic surgery center. If possible, get a recommendation from your primary care physician for a dermatologist or skin surgery center that specializes in tattoo removal.

Since tattoo removal is a personal option in most cases, most insurance carriers won’t cover the process unless it is medically necessary. Physicians or surgery centers practicing tattoo removal may also require payment in full on the day of the procedure. If you are considering tattoo removal, be sure to discuss associated costs up front and obtain all charges in writing before you undergo any treatment.

WebMD Medical Reference Reviewed by Sabrina Felson, MD on October 24, 2016

Sources

Skinsight.com: “Tattoo Removal, Laser.”

Medscape: “Tattoo Lasers.”


Cost of Medicare Part B – Part A

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What is the Cost of Medicare Part B and A?

Original Medicare covers many services. but it is not free. There is a cost associated with each part B and Part A. and you can learn more about each of them below.

What costs should I know for Part A?

Medicare Part A Premium

Most people do not have to pay a premium for Part A because they (or their spouse) paid for it while they worked. If you do have to pay Part A premiums, the longer you or your spouse worked and paid into Social Security, the lower your premiums will be.


View larger image

Medicare Part A Deductible

Part A doesn’t have an annual deductible but rather applies a deductible to each hospital benefit period. A benefit period begins when you go into a hospital or skilled nursing facility (SNF) and ends when you have been out of the hospital or SNF for 60 consecutive days.

Copayments

Copays for Part A apply once you stay in a hospital for more than 60 days in a single benefit period. In a skilled nursing facility. copays begin after the first 20 days.

If you have a limited income and resources, you may qualify for help with your Parts A B costs.

Hospital stays

For a hospital stay. you will pay a deductible of $1,316. This is not an annual deductible. You pay this deductible once each benefit period. Your payment changes as you stay in the hospital.


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Skilled nursing facility stays

For a skilled nursing facility stay, there is no deductible. Medicare will only cover up to 100 days in a skilled nursing facility though, and only if you meet some very specific criteria:

  • 3-Day Hospital Stay: You must have been at a hospital
    • For 3 days AND
    • Had come to a skilled nursing facility within 30 days of the hospitalization AND
    • Had been admitted to the hospital as an inpatient. Time in the emergency room or in what the hospital calls “observation status” does not count, even if you stayed overnight or longer.
  • Level of Care: You must also need skilled nursing care 7 days a week, or skilled therapy services 5 days a week.
  • Part A: Skilled nursing care is covered under Medicare Part A. You must have had Part A while you were in the hospital.

Also, keep in mind that Medicare will NOT cover your stay if you only need help with personal care (also called custodial care), such as bathing, eating or dressing yourself. Here is what you will pay for a stay in a skilled nursing facility.


View larger image

There is no deductible or copayment for home healthcare. However, you do need to meet a set of very specific criteria in order for Medicare to cover your home healthcare.

Medicare covers home healthcare services when a doctor certifies that:

  • You need medical care at home AND
  • You are homebound AND
  • You need skilled care from a nurse or a skilled physical, speech or occupational therapist.

Medicare will only cover home care services when your doctor:

  • Orders the care from a home health agency that Medicare approves, AND
  • Documents a face-to-face visit with you up to 3 months before or 1 month after the start of the service, AND
  • Signs a plan for your care.

There is no deductible or copayment for hospice care. You only pay a small share of the costs of medications and inpatient respite care under the Medicare hospice benefit.

What costs should I know for Part B?

Medicare Part B Premium

There is a monthly premium for Part B coverage. For Medicare beneficiaries with incomes below $85K/single or $170K/couple, the Part B premium cost for 2017 will average between $109 and $134 per month. For Medicare beneficiaries with higher incomes, the Part B premium cost will range from $187.50 to $428.60 per month, based on income level. Medicare beneficiaries who meet certain income and resource guidelines can get their Part B premium paid for by their state’s Medicare Savings Program .

Medicare Part B Deductible

You will also pay an annual deductible of $183 in 2017. That means when you receive services covered by Part B, you will pay $183 before Medicare starts helping you pay. People with Medicare with incomes less than 100% of federal poverty level – about $990/month – and few resources can be excused from paying the Medicare deductible and coinsurance .

Coinsurance

Once you have paid your deductible, you will then pay 20% of the cost approved by Medicare for most Medicare Part B services.

Accepting assignment

To keep your Part B costs down, make sure that your healthcare providers take Medicare and “accept assignment .” Doctors or other providers who accept assignment agree to accept the amount that Medicare will pay for a visit or service (called the Medicare-approved amount) as payment in full. So you would only pay the 20% coinsurance.

Providers who see people with Medicare but do not accept assignment can charge you more. They can charge you up to 15% more than the Medicare-approved amount, which means that you would pay your usual 20% coinsurance plus up to an extra 15%.


View larger image

For example, if the Medicare-approved amount for a doctor visit was $100, but your doctor did not accept assignment, he could charge you up to $115 for your visit. You would pay $35 (20% of the $100 Medicare-approved amount, plus the extra $15 not covered by Medicare).

Opting out

Providers can also “opt out” of the Medicare program. That means that they can charge you whatever they like for a service and will not bill Medicare. If you see a provider that has opted out of Medicare, you will have to pay the full cost of the service you receive; Medicare will not pay any part of the cost. Providers that opt out of Medicare should have you sign a contract saying that you understand that you will have to pay the full cost of the service.

Next steps:


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Comparing car insurance rates online is easier than ever with our handy new mobile app. You can still get the same benefit you get from the normal version of our site by entering your ZIP code above, which will allow you to compare specialized offers from major national insurance providers and local agents in your area. Gone are the days when you had to call one carrier after another – CarInsuranceRates.com has done all the heavy lifting for you! Just enter your ZIP code in the box above to see what our participating providers have in store for you.

Expert Insurance Guides

Need help picking the right options? Not sure what the various industry terms mean? We’ve got your back! CarInsuranceRates.com is chalk-full of helpful guides, useful tips, and article after article of informative information, complete with charts, checklists, and case study to help you make the best decision when selecting your policy type or end-provider.

State-by-State Requirements

Locality is one of the top factors that will influence what you can or can’t do with your car insurance policy. Laws, rules, and regulations changes all the time, and it’s our mission to try and keep you as up-to-date with pertinent information so you can make the right choice when selecting you coverage levels or provider.

Ask a Question, Get an Answer

Still need help getting to the bottom of your insurance situation? We have an easy-to-use library of questions-and-answers from current clients, with a wide range of solutions that even shocks us on occasion. No matter how obscure your query seems to be, don’t fret – we can help point you in the right direction of the information you need.

Visit the Full Site

Is our mobile display just not doing it for you? We have the fully-loaded, live version of our site standing by. Just click the link below to view the site as though you were on a desktop machine.

800 Fifth Avenue, Suite 4100, Seattle, WA 98104



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Used Cars For Sale

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Appraise a used car

Research a used car

about used cars

If you’ve come here looking for a used or certified pre-owned car, truck, SUV, crossover, hatchback, hybrid or convertible, then you’re in the right place. Edmunds has everything you need to know about buying or selling a used vehicle, including Carfax vehicle history reports, dealership listings and pricing information, expert car reviews, consumer car reviews, car dealership reviews, car price comparisons, car appraisal calculators, images and videos, technical features and specs, user forums and more.

At Edmunds, you’ll be able to browse thousands of used cars, trucks and SUVs for sale with special offers, appraise your current car, and research the car, SUV or truck of your dreams. You can limit your search to certified pre-owned (or CPO) vehicles for sale and be a click away from articles by our experts that will give you the best car shopping and buying tips and advice. Let’s take a closer look at each of these aids to easier used-car shopping.

The INVENTORY tab at the top of the page allows you to browse used cars for sale from popular makes such as Ford, Honda, Toyota, Chevrolet, Hyundai, Infiniti, Acura and Subaru. The inventory tool allows you to cast a much wider net than simply visiting your local dealership’s website. Start with the make and model of the vehicle that you’re interested in. You’ll have the option to refine your search by price, distance, model year and mileage. If you’re looking for specific options or features, a certain trim level or a specific color, there are more advanced search filters available, including engine type, fuel type, drivetrain, powertrain, airbags, air-conditioning and much more. After you find the car, SUV, truck or hybrid that you’re interested in, select the listing to check out the VIN details page for that vehicle and get more information. There you’ll find a description of the vehicle from the dealer, vehicle features and options, contact information for that dealership, dealer reviews, a ballpark insurance estimate, and a link to see a Carfax vehicle history report.

The APPRAISE tab at the top of the page lets you enter your car’s basic information, odometer reading, trim level, and overall condition. Then Edmunds provides you with the True Market Value (TMV) for your used car or vehicle. Edmunds’s True Market Value or used car value is is a great starting point for negotiation of a used-car sale between a private buyer and seller. This is an “as is” value that does not include any warranties. The final sales price depends on the car’s actual condition and local market factors. You can use this used car value estimate to price your car for sale or to negotiate a trade-in for a new, CPO, or previously owned car for sale from a local dealer. The used car value estimate is also useful for assessing retail pricing at a car dealer. You can try it out by clicking the “APPRAISE” tab, above. Once you enter your vehicle details, you will receive three estimates for your used car’s value: “Trade-in” is what you can expect a dealer to offer you for your used car; “Private Party” is what you might expect to earn if you sold the pre-owned vehicle yourself; and “Dealer Retail” is what you might expect to pay if you were buying this used model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealership might sell it for as a certified pre-owned vehicle.

The RESEARCH tab points you to our expert analysis of the make and model of the car you select. You can read our editors’ reviews and learn about each generation of the vehicle you’re interested in. From there, you can narrow the focus of your car buying research by selecting a particular model year and learning more by checking out photos of the cars, researching local dealership listings, car valuation, consumer reviews, editors’ reviews, pros & cons, features & specs, and safety information. That’s a world of information. And we’ve put it all right at your fingertips.

Are you thinking about trading in your vehicle at the dealership or selling it yourself? Find out what your used car is worth with our True Market Value appraisal tool. Enter the year, make and model to get started. Make sure you know the options on your vehicle and the current odometer reading. Be honest about the condition level. Most cars will fall in the “average” to “clean” range.

The appraisal tool will give you three prices: “Trade-in” is what you can expect a dealer to offer you. “Private Party” is what you might expect to earn if you sold the vehicle yourself. “Dealer Retail” is what you might expect to pay if you were buying this model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealer might sell it for as a CPO vehicle.

If you are hesitant about buying a traditional used car, you may want to consider a certified pre-owned vehicle. These vehicles tend to be newer, have gone through a more detailed inspection process and come with a limited warranty. The Edmunds inventory tool will have an option to sort the list to show only CPO vehicles. You can also go directly to the CPO cars page.

Explore Car-Buying Articles: If you’re unsure about the next steps in buying a used car — or car buying in general — Edmunds has research articles that can help. Take a look at those we’ve linked to on this page, or visit our research main page for a full list of articles that have been written by Edmunds car-shopping experts.

Select from the options below, then review features, road tests and more.

Or browse by car type

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Used Cars For Sale

Find used car inventory nearby

Appraise a used car

Research a used car

about used cars

If you’ve come here looking for a used or certified pre-owned car, truck, SUV, crossover, hatchback, hybrid or convertible, then you’re in the right place. Edmunds has everything you need to know about buying or selling a used vehicle, including Carfax vehicle history reports, dealership listings and pricing information, expert car reviews, consumer car reviews, car dealership reviews, car price comparisons, car appraisal calculators, images and videos, technical features and specs, user forums and more.

At Edmunds, you’ll be able to browse thousands of used cars, trucks and SUVs for sale with special offers, appraise your current car, and research the car, SUV or truck of your dreams. You can limit your search to certified pre-owned (or CPO) vehicles for sale and be a click away from articles by our experts that will give you the best car shopping and buying tips and advice. Let’s take a closer look at each of these aids to easier used-car shopping.

The INVENTORY tab at the top of the page allows you to browse used cars for sale from popular makes such as Ford, Honda, Toyota, Chevrolet, Hyundai, Infiniti, Acura and Subaru. The inventory tool allows you to cast a much wider net than simply visiting your local dealership’s website. Start with the make and model of the vehicle that you’re interested in. You’ll have the option to refine your search by price, distance, model year and mileage. If you’re looking for specific options or features, a certain trim level or a specific color, there are more advanced search filters available, including engine type, fuel type, drivetrain, powertrain, airbags, air-conditioning and much more. After you find the car, SUV, truck or hybrid that you’re interested in, select the listing to check out the VIN details page for that vehicle and get more information. There you’ll find a description of the vehicle from the dealer, vehicle features and options, contact information for that dealership, dealer reviews, a ballpark insurance estimate, and a link to see a Carfax vehicle history report.

The APPRAISE tab at the top of the page lets you enter your car’s basic information, odometer reading, trim level, and overall condition. Then Edmunds provides you with the True Market Value (TMV) for your used car or vehicle. Edmunds’s True Market Value or used car value is is a great starting point for negotiation of a used-car sale between a private buyer and seller. This is an “as is” value that does not include any warranties. The final sales price depends on the car’s actual condition and local market factors. You can use this used car value estimate to price your car for sale or to negotiate a trade-in for a new, CPO, or previously owned car for sale from a local dealer. The used car value estimate is also useful for assessing retail pricing at a car dealer. You can try it out by clicking the “APPRAISE” tab, above. Once you enter your vehicle details, you will receive three estimates for your used car’s value: “Trade-in” is what you can expect a dealer to offer you for your used car; “Private Party” is what you might expect to earn if you sold the pre-owned vehicle yourself; and “Dealer Retail” is what you might expect to pay if you were buying this used model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealership might sell it for as a certified pre-owned vehicle.

The RESEARCH tab points you to our expert analysis of the make and model of the car you select. You can read our editors’ reviews and learn about each generation of the vehicle you’re interested in. From there, you can narrow the focus of your car buying research by selecting a particular model year and learning more by checking out photos of the cars, researching local dealership listings, car valuation, consumer reviews, editors’ reviews, pros & cons, features & specs, and safety information. That’s a world of information. And we’ve put it all right at your fingertips.

Are you thinking about trading in your vehicle at the dealership or selling it yourself? Find out what your used car is worth with our True Market Value appraisal tool. Enter the year, make and model to get started. Make sure you know the options on your vehicle and the current odometer reading. Be honest about the condition level. Most cars will fall in the “average” to “clean” range.

The appraisal tool will give you three prices: “Trade-in” is what you can expect a dealer to offer you. “Private Party” is what you might expect to earn if you sold the vehicle yourself. “Dealer Retail” is what you might expect to pay if you were buying this model used at a dealership. If the vehicle is new enough, you’ll also see a price that says “Certified Used Price.” This price estimates what the dealer might sell it for as a CPO vehicle.

If you are hesitant about buying a traditional used car, you may want to consider a certified pre-owned vehicle. These vehicles tend to be newer, have gone through a more detailed inspection process and come with a limited warranty. The Edmunds inventory tool will have an option to sort the list to show only CPO vehicles. You can also go directly to the CPO cars page.

Explore Car-Buying Articles: If you’re unsure about the next steps in buying a used car — or car buying in general — Edmunds has research articles that can help. Take a look at those we’ve linked to on this page, or visit our research main page for a full list of articles that have been written by Edmunds car-shopping experts.

Select from the options below, then review features, road tests and more.

Or browse by car type

How much is my car worth

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Bi-Monthly Consignment Auction Vehicles, Heavy Duty Trucks, Construction Equipment, machinery, Surplus Items & Equipment Inspection Thurs. & Friday November 16th & November 17th 9am to 5pm Day of sale from 7am auction starts at 9am!



Car Insurance Rates Mobile Form, how much is my car worth free.#How #much #is #my #car #worth #free


Car Insurance On-The-Go

Comparing car insurance rates online is easier than ever with our handy new mobile app. You can still get the same benefit you get from the normal version of our site by entering your ZIP code above, which will allow you to compare specialized offers from major national insurance providers and local agents in your area. Gone are the days when you had to call one carrier after another – CarInsuranceRates.com has done all the heavy lifting for you! Just enter your ZIP code in the box above to see what our participating providers have in store for you.

Expert Insurance Guides

Need help picking the right options? Not sure what the various industry terms mean? We’ve got your back! CarInsuranceRates.com is chalk-full of helpful guides, useful tips, and article after article of informative information, complete with charts, checklists, and case study to help you make the best decision when selecting your policy type or end-provider.

State-by-State Requirements

Locality is one of the top factors that will influence what you can or can’t do with your car insurance policy. Laws, rules, and regulations changes all the time, and it’s our mission to try and keep you as up-to-date with pertinent information so you can make the right choice when selecting you coverage levels or provider.

Ask a Question, Get an Answer

Still need help getting to the bottom of your insurance situation? We have an easy-to-use library of questions-and-answers from current clients, with a wide range of solutions that even shocks us on occasion. No matter how obscure your query seems to be, don’t fret – we can help point you in the right direction of the information you need.

Visit the Full Site

Is our mobile display just not doing it for you? We have the fully-loaded, live version of our site standing by. Just click the link below to view the site as though you were on a desktop machine.

800 Fifth Avenue, Suite 4100, Seattle, WA 98104



Police Auctions, Online Auctions, Government Auctions, Auto Auctions Los Angeles, Vehicle Auctions, how much is my car worth.#How #much #is #my #car #worth


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#

How Much is My Car Worth

How Much is My Car Worth?

A car is worth as much as you can get someone to pay for it.

How much is that?

Used cars can vary in price depending on when you sell a car, how you sell it, and who you sell it to.

Which car price guide has the right price for my car?

The price that you will be able to sell your vehicle for is mostly determined by what price guide the buyer may be using. Price guides are targeted at specific markets. There are four guides that dominate the market:

  • Kelly Blue Book: This is the best known guide for consumers, mostly because they were the first to offer their guide online. They primarily list used car values, with both retail and private sale prices.
  • Edmunds: They mainly target new car buyers, focusing on prices for new cars and trade-in values.
  • NADA: Published by National Automotive Dealers Association, this is commonly used by new dealers and banks. They also publish a classic car guide, as well as RV, boat, and motorcycle guides. Their books are blue and gold, which sometimes gets them confused with the Kelly Blue Book.
  • Black Book: This book is mostly used by used car dealers. Unlike the other guides, this one is quite pricey because it is published several times a year using data gathered for regional auction prices.

Why are prices different between private and retail sales?

Car lots are staffed with professionals that have to build their reputation to stay in business. Hopefully this means that the cars they are offering have had any problems fixed.

Private owners often don’t have the expertise or don’t want to put forth the effort to make sure the car they’re selling is in good running order. Also, since this is the only vehicle they’re selling, they can get away with selling a bad car more easily than a lot. Privately sold cars trade for lower prices because there is more risk involved.

What about the value of antique cars?

Pricing of classic cars is far more difficult because some models may not come up for sale often and their quality can be all over the map. These cars can be separated into four broad categories, with each one attracting a different market.

  • Survivor: This is a car that is basically as it left the factory. There may be some wear and tear, but it shows what a “real” car is like. While some high performance cars are bought new specifically for resale later, others are so rare that it’s hard to predict their value before a sale. These types of vehicles mostly go to museums and serious collectors, making them an ideal candidate for antique car auctions and national sales like eBay.
  • Restored: Major work has been done to these cars, but they’ve been kept in a form close to how they would have been equipped when they came off the line. In most cases, the closer the vehicle is kept to its original form, the higher its value is. A “numbers matching” engine has the same VIN stamped on it as the firewall, which means it’s the one the car came with from the factory.

Generally, the nicer a vehicle looks, the higher its value will be. This holds true even if the quality is better than it would have been from the factory, and there has been much debate whether it’s better for a vehicle to have original-style paint or shinier, better wearing clearcoat paint. Classic car guides like NADA’s will give you a general idea of a price, but the actual sale price will deviate more than a newer car due to differences in condition.

  • Resto-mod: This is a car that has been updated with modern components to make it a daily driver. This can be as simple as switching to a different engine, or can be a ground-up build with a modern car covered in a vintage body. Even the best resto-mod will only sell for the equivalent cost of a new vehicle with similar equipment.
  • Hot rods: These vehicle are affected more by fads than any other car because they’re all about style. Reproduction parts have become so popular you can build a ’32 Ford Roadster hot rod entirely from things found in a catalog, so being able to show what parts of the car are original can improve its value.

There is another subset of cars that strives to use period-correct hot rod parts. In the case of the ’32 Ford, this type of car would be powered by a flathead Ford with Offenhauser heads rather than the ubiquitous Chevy small block. These cars always have a high value because they can be very difficult to create. Fortunately, there is no such thing as a “stock” hot rod, so parts choices are much broader than on a restored car. Sometimes hot rods cross into resto-mod territory, with the addition of modern conveniences like air conditioning making a car more desirable to buyers wanting to go to cruise nights.

How much are these cars worth?

Nostalgia plays a major role in a car’s value. Today muscle cars are trading for large amounts of money because the people who are looking for antiques remember these vehicles from their childhood. Meanwhile, pre-WWII car values have plummeted, as few drivers are old enough to remember them while newer drives see them as impractical.

Rare doesn’t necessarily mean desirable. While a few missing trim pieces on a Mustang can be ordered from any number of catalogs, they may be all but impossible to get for a similar vintage AMX. Completeness plays a bigger part in a car’s price as you

Drivability has a major impact on sales. Unless you’re dealing in something super-rare, most people want something they can drive in club meets or take to shows. Minor improvements like an air conditioner converted to R-134 or a modernized ignition system can make your car much more appealing.

How can I improve the value of my car?

  • Cleanliness: No matter what you’re selling, a professional detail will make your car look far newer and better cared for.
  • Documentation: This is particularly true of special models that can be recreated with spare parts, like Hemi Chryslers or the Integra Type R. There are services available for getting a reproduction window sticker for classic cars, allowing prospective buyers to compare the car’s current state with its equipment from the factory. Any receipts or manuals you have for other parts show the car has been taken care of.
  • Professional upgrades: Equipment added to a car by well known shops like Saleen or Steeda add a great deal to the value of a car.Buyers know that these improvements have been tested and are backed by a reputable company. Again, documentation is crucial. Most of these cars come with a separate window sticker detailing these modifications. Some of these cars will also come with the signature by the builder or licensing partner, often in some obscure place like the inside of the trunk lid.
  • Fads: Car values can be affected by things that move too fast to be charted by price guides. For example, during gas price hikes a couple years ago fuel efficient vehicles were in high demand. Geo Metros, which used to trade for $500-$1,000 shot up to $3,000 almost overnight. Now that gas is inexpensive again, they’ve returned to their previous sale value.

There are also some things that people think add value to a vehicle, but don’t.

  • Options: Rare and desirable options can add value, but only if it’s something that can’t be removed from the car. For example, M Edition wheels are highly sought after by Miata enthusiasts because they’re the lightest stock wheels available. However, since they’re easy to switch between vehicles, they don’t increase the value of the car. On the other hand, Mazda has released British Racing Green Miatas in very small numbers, increasing the value of these vehicles over Miatas in other colors. Some “special editions” are either so common or little known as to have no effect on price while something familiar like the Indianapolis Pace Car Edition often trade for at least 20% more than regular models.
  • Amateur upgrades: No matter how well your additions may work, buyers will see them as possible problems. This includes everything from boost controllers to lift kits. Often the best way to get your money out of these parts is to sell them separately from the car. However, you may be able to recover some of this if your car has a proven race history: time slips and trophies show your modifications work, and buyers may be encouraged to purchase your car if it can meet race series requirements.

For another perspective on the value of your car, take a look at: How Much is My Car Worth. We also recommend this site by the same name: How much is my car worth?



How Much Is My Junk Car Worth? Junk Car Prices #car #rental #montreal


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What Is The Going Rate For Junk Cars in 2014?

What Is The Going Rate For Junk Cars in 2014?

What is the going rate of junk cars in 2014?

What is the going rate for junk cars and what can you expect to get in terms of cash for junk cars. Good question. Getting rid of your junk car isn t a complicated process, but determining how much it is worth can be a little confusing. Unfortunately, there is no one-shot formula for appraising a vehicle s value, but all appraisals, at least from many salvage companies, have these factors in common:

It s with these factors that appraisers will estimate the value of your vehicle, which ultimately determines what they can pay you for your junk car. Generally, the price range for junk vehicles is anywhere from $200 to $400, but amounts vary depending on the factors listed about above.

Keep reading to see why and how prices are determined!

Determining the true value of your junk car

Any junk car, even those that have one or more components that make them unsuitable for driving, is worth something. That s why you need to figure out its true value before proceeding to, well, the selling part.

The sales value of a junk car is more or less based off of its current market value for that same vehicle in used condition, with a catch. The amount you will receive for a junk vehicle is based loosely off its diminished value, which is based off the total cost of repairs that may make the vehicle a working vehicle again, along with the market value for the same car.

One of the most important things you need to do before selling your junk car is finding how much that junk car costs. The true value of your junk car essentially determines how much you can get out of the vehicle. After all, you don t want to sell your junk car and later discover you didn t get as much as you could out of the car.

After you determine the value of you vehicle, you can start shopping around for appropriate junk car salvaging companies — and we re glad to help anyone who is interested in using our service.

So, how do you get the most for your car?

According to Kelley Blue Book, most salvage cars cost as much as 20 to 40 percent of a car s used value, but again, certain factors also play a role in determining the going rate. Where the vehicle is located, the condition of the car, what year/make/model it is, and the current price of scrap all play a major role in creating an accurate appraisal.

Here s a breakdown of how these factors play a role in your determining your car s junk value:

  • Location Where you live plays a huge role in what you re able to receive for a junk car. Your proximity to a salvage yard and regional price of scrap play a role in how much you can receive for your vehicle. The popularity of certain vehicles in an area may also affect how much money you are able to make, as certain junkyards will pay more for specific models.
  • Year/Make/Model While there are still many older vehicles on the road today, the demand for parts is not always consistent. For example, hundreds of people still drive Dodge Neons. but the demand for those parts is relatively low, because most of the Neons that are taken off the road are truly at the end of their life. Another thing to consider is how cars change from year to year, and as vehicles become more fuel efficient and environmentally friendly, more plastic may be integrated into the bodies, which decreases the metal weight.
  • Condition This is pretty simple to understand, but it s worth mentioning. If you are driving a pristine, clean, and smooth running junk car, you re more likely to get a little more cash for it. If you re really driving a rusty clunker, then it s going to be bought for its scrap value, rather than the value of its parts.
  • Current Price of Scrap This is probably the most important factor in how much you receive for your junk car, if only because most salvage companies are buying vehicles for the metal value, rather than the parts. If the price of scrap is down, generally you will not be able to receive a high payout for your vehicle, even if it is in generally good condition.

These factors are not the end-all for determining your junk vehicle s value. With some vehicles, you can potentially get even more depending on the individual components. What we mean is that sometimes the components of a working vehicle can make you more cash than an equivalent junk car that isn t working. Keeping all of this in mind, it s important to do your research before selling your junk car, so you can receive the best price possible.

Looking to get cash for your junk car? Get a free quote today!



How much is my car worth? #antique #cars


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How much is my car worth? How to get a free valuation of your car

How much is my car worth?

If you’re thinking of selling your car, it’s important to know its value so you can ensure you get a good deal when negotiating with a dealer or a private buyer. Here’s how to quickly get an estimate of what your car is worth

Plus: how to sell your car and get the best price

How much is your car worth? Here’s how to find out

Whether you re looking to part-exchange your current car, sell it privately or find out what a used car you re considering purchasing is worth, here are the best ways to find out quickly, for free.

For years, Glass s guide has been the go-to reference for used and new car prices, with Parkers being the one you d pick up at your local newsagent as a punter. These days both services are available online. You simply enter a car s registration to get a free valuation.

You need to register on both sites, but after entering your details, an email address and a password you ll instantly find out the price ranges for a trade-in, a private sale and what a dealer would sell the car for.

A free valuation won t take into account very high or low mileage – just the average – nor any options the car may have in addition to standard, but you can pay 3.95 (Glass s) or 3.49 (Parkers) to adjust the valuation and get a more specific price.

In the free valuation, the lowest price in the range will represent a car in fair or poor condition, while the highest will be for a car in excellent condition inside and out.

Here s what a bespoke report looks like:

Another place to get a second opinion is Autotrader. Again, you need to register for a free account, but it will take into account mileage and give you one price (based on good condition) for both a private sale and a part-exchange.

What Car? also offers a free valuation service which takes into account the condition of the car and the mileage to give a more accurate figure for the dealer, private and part exchange prices. You have to register, and you can t opt out of handing over your details to third parties but you can unsubscribe at any time.

Which factors affect a car s value?

Many things affect how much someone will be prepared to pay for a car, such as the mileage, optional extras, paperwork and service history.

Condition is obviously important, so it s well worth getting it valeted or cleaning it yourself before a prospective buyer sees it. A valet can cost from around 30-50, so it s worth tackling yourself if you can. Gleaming paintwork and a tidy interior can add several hundred pounds to the sale price.

Kerbed wheels can be fixed for around 50 per wheel, and that s worth doing if your car is worth more than a few thousand pounds.

People care about a car s history, and will appreciate a stack of receipts and a stamped logbook that shows it has been properly maintained.

How to sell your car

If you are planning on part exchanging your car, it s best not to let the dealer know about this until you have negotiated down the price of the new car as they will otherwise use your old car as their negotiating tool, offering a higher price for it if you re willing to pay more for the new one.

In most cases, it s best to sell your car privately and use the extra money you get selling this way to put towards the new car. It can be a hassle, and there s the potential to get ripped off, but it will net you the highest price. For instance, never accept a bank or building society check and hand over the keys go with the buyer to the bank to confirm it s genuine. And similarly, know how to identify fake bank notes before accepting cash.

Bank transfers are generally the safest way these days: the buyer can make a payment via an app on their phone and you can check if it has arrived in your account within minutes most UK banks support Faster Payments now.

The best way to sell privately is on Autotrader or even Gumtree. Both have large audiences, so you won t have to wait long until the phone rings. Just make sure you take clear pictures of all sides of the car and the interior, highlighting any damage: there’s no point in trying to hide it as you waste your own time as well as the buyer’s as they’ll just be disappointed when they see it in the flesh.

If you have an unusual, specialist or modified car, you may get the best price by advertising it on the relevant forums or Facebook groups where people will better understand its worth and should be willing to pay extra for its specialist nature, or its modifications. The same goes for classic cars.



How much is my car worth? #used #car #search


#how much is my car worth free
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How much is my car worth?

If you want to get the best deal when you come to sell, it s vital that you find out how much your car is worth.

Mumsnet Cars Valuations

Related pages

Know your market

Examine the adverts in the publications or websites you’re advertising your car in to confirm your asking price is in line with similar cars. Ask too little and potential buyers may be wary that something is wrong; ask too much and they ll move straight on to the next ad.

Your car s condition

If your car is in particularly good nick and has covered fewer miles than average, it ll be worth more; and vice versa. Make sure your price is fair for your car s condition, and bear in mind that you ll be wasting everyone s time if you describe your car as being in better condition than it is: buyers will simply walk away the moment they see it.

In general, special and limited editions aren’t worth much more than the basic model they were based on unless they’re absolutely packed with extra equipment. Even then, you might only be able to add on a few hundred pounds on.

Last updated: 5 months ago



How Much is Your Used Car Worth? #day #car #insurance


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How Much is Your Used Car Worth?

The Graph Market Feature in the AOL Autos Used Cars sec. The Graph Market Feature in the AOL Autos Used Cars section is a great way to get a sense of your car’s true value.

Determining how much your car is worth depends on many factors.

If you’re looking to trade your current car for a new car this year, one of the things you might be asking yourself is, “How much is my car worth?” As you may imagine, what your car is worth depends on several factors, including who you are asking.

Ask three different people, “What is my car worth?” and you will likely get three different answers. Although companies such as Kelley Blue Book publish price guides to help you determine how much your car is worth, the prices in those guides are generally a range of values for vehicles of a certain make and model. How much your car is actually worth might differ from the stated values for several reasons.

What your car is actually worth depends on factors such as the year, make and model, the optional features on your car, the condition of the vehicle including mileage, and where you are trying to sell your car. How much your vehicle is worth might vary depending on what part of the country you live in, the time of year you are trying to sell it, and even current economic and political conditions.

If you are trying to trade your car in for a new vehicle at a new car dealership, it may be worth less than if you tried to sell the vehicle yourself to a private party. The reason for this is that a dealership will expect to earn a markup on the sale of your vehicle. The car may also be worth less to a dealer because they might need to clean, repair, and advertise the vehicle.

Having a car that is in good condition, with low miles and desirable options will also increase what your car is worth. Certain types of vehicles are worth more at certain times of year and in certain parts of the country as well. Convertibles and sports cars are generally worth more in the summertime or in warmer regions, for instance. Four wheel drive vehicles, conversely, are cars that may be worth more in winter or in parts of the country that get a lot of snowfall.

An additional factor that helps determine how much your car is worth is the state of the nation. Gas guzzling trucks and SUVs, for instance are generally worth less when gas prices are high or when environmental concerns are at a peak. On the other hand, economy cars and hybrids will be worth more in similar circumstances.

Finally, other factors may also come into the equation when you are trying to figure out what your car is worth. Values for cars that have been discontinued, for example, will usually drop as buyers may fear a lack of service and support options in the future. So the next time you ask, “What is my car worth?” know that the answer may be different depending on who you ask.



How much will it cost to paint my car? cars auto honda #car #auctions #london


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How much will it cost to paint my car?

I have a 2001 Honda Accord EX that is a hideous "rental car" tan color. I hate it and wish to get it painted another color. How much do you guys think it will cost me? I know there is a big range on these types of things, I am looking to spend under $1,000.

There’s no way you will get a decent paint job on a car when you are changing the colour for under $1000. It’ll look like crap and, when the next prospective buyer opens the bonnets and the like, will assume it is of dodgy origin.

Full changes of colour require a lot of disassembly and reassembly to make sure all the shut lines and internal areas (inside boot edges, door closures and the like) match and this sort of labour is not cheap.

You may find some back street shop somewhere that will say they can do it. But I’d almost guarantee you’ll be disappointed with the results or lose money on eventual resale because of it. You’d be better off (if you hate the colour so much) to consider $1000 as the budget for changing the car (ie resale cost versus change of ownership cost + new car).

posted by Brockles at 4:53 PM on December 16, 2010

Crappy link. but the information is true. MAACO will cost under $500 for the lowest quality paint and no repair work. Some of the time dents need to be filled in, which will kick it up towards that $1k mark. If you skip on the repairs for dents, etc. expect to have bubbling or chipping in a few years’ time.

A quality custom paint job where they do the full disassembly/reassembly to make it "showroom quality" will push $4-5k. Anything else can be found somewhere in between.

Check for quality of work on other vehicles from the shop before you commit. MAACO’s in particular are known to vary greatly from shop to shop.

Sell your car and with the $1000 buy a car the color you like.

Anecdotally, I paid $2000 flat at a MAACO auto paint shop in Boston a couple years back for a complete "showroom quality" repaint on my Integra, including all doorjambs and other interior bits except the underside of the hood. They wanted $2400 initially but I talked them down. This amount also covered quite a few small dent repairs before they applied the new paint job.

posted by killdevil at 5:26 PM on December 16, 2010

Thanks all, thats kind of what I figured, the car is probably only worth around 4-5k so going nuts would just be irresponsible. (The color isn’t that bad, and I wouldn’t sell it because I do love the car.) I appreciate the advice though!

posted by arveale at 5:42 PM on December 16, 2010

Weird – I actually checked your profile because I have a music student, a teenage kid, who asked me about the same question about a very similar car he’s about to "inherit," except his ’01 Accord will be silver instead.

Yeah, it’s not going to be worth it. Even repainting to the same color will cost minimum $2-3K, and will raise the value of the car $500 TOPS. Save your money and buy a car you like better down the road.

A very good, minimal to no flaw (orange peel, etc) paint job from a reputable shop can be had for roughly $1500. This would include masking trim, windows, and the like. The proper way to have a car painted to get a "showroom" level job is to have all trim removed, and all glass. You’ve just doubled the price, and then some, depending on paint. Pearlescents and other exotic, multi stage colors can get rather pricey.

Going back some 15 years I did a frame-off restoration of a 1967 Alfa Romeo Boat tail spider (The car Dustin Hoffman drove in the Graduate). The final part of the resto was a trip to a well known higher end paint shop. I spent about $6000 on the paint work, but this was for a numbers matching, "looks like it did on the showroom floor in 1967" restoration. When I sold the car about 8 years later I got about double what I invested in it.

But that was an Alfa Romeo. Any mid 80’s back Alfa Romeo that isn’t a rust bucket can arguably be a nice investment as a collector’s item.

A 2001 Honda Accord, like 98% of cars ever made, is an expense, never an investment. You get anything other than a $300 Maaco paint job on a car like that, you do it for the love. Sure, it’s an illogical decision to spend a lot of money on a car like that, but then again, love often bumps heads with logic. But here’s the question; If you do love this car, why wouldn’t you want to get a paint job done right, that looks great from day one, and for years to come?

You can’t get that paint job for what you want to spend.

If you don’t love this car, and you absolutely hate the color but can’t afford buying another car, spend $300 at Maaco. But never look at the paint up close, and be ready to either sell it or get a repaint in a few years. Because a cheap paint job only ever looks passable, and won’t even stay looking like that for long. Good luck!

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How Much Is My Car Worth? #car #price


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How Much Is My Car Worth?

There are a few reasons why you may ask, “How much is my car worth?” You could be selling your car or it could have been totaled in an accident. Maybe you are self employed and need to know the value for accounting purposes. When asking this question, the reason you ask is just as important as the answer.

If you are looking to sell your car, you must consider who the car is being sold to. If you car is being sold to a used car dealer, traded in on another purchase or sold to a private party will make the difference in what your car is worth to those individuals. You should also understand that you will not know the exact value of your car until you actually settle on a deal. You can only find an estimate from which to begin negotiations.

There are several Internet resources that will help you find out how much your car is worth. Going online is usually the easiest way to gather this kind of information. The following sites offer respected valuation services for free. Select “Used Car Prices” from the home pages of these sites.

  • Kelley Blue Book (KBB)
  • NADA Guides (NADA)
  • Edmunds

Before pricing your vehicle at any of these websites, there is some information you will want to have on hand. These include:

  • Your Zip Code
  • Body Style
  • Year
  • Make
  • Model
  • Trim Package
  • Engine Size
  • Options
  • Mileage
  • Vehicle Condition

NADA

Each service has its own way of looking at the condition of your vehicle. KBB offers four condition classifications and Edmunds has five. NADA does not ask you for the condition of your car. It only offers three types of trade-in values. NADA does not offer a private-party selling value.

KBB

KBB gives you the options of excellent (like new), good (minor blemishes), fair (needs a little work), poor (major problems). The site will not value cars in poor condition because prices can vary wildly on such cars. If you are unsure how to classify the condition of your car, the website offers a condition quiz to help you. It is the most user-friendly of the sites.

Edmunds Used Car Appraiser

Edmunds, one of the newer vehicle valuation sites on the Web, offers condition classifications of outstanding (perfect in and out), clean (minor, normal wear), average (few mechanical or cosmetic problems), rough (several repairs needed), and damaged (major mechanical problems and body damage).  The vehicle appraiser is more visually based that KBB, offering images of the car you are researching during the valuation process.

Each of these valuation services will give you very different trade-in numbers on the same vehicle. For instance, a 1999 Mercury Mystique with 90,000 miles in New England can have a trade in value ranging from $900 to $2,000, depending on which site you use to value your car.

You should also understand that seasonal and economic factors influence demand and therefore car prices. For example, a convertible is more valuable in the summer. In the current economic climate, it is nearly impossible to find a GMC pickup for book value. The demand is high and the market scarce for some used vehicles.

Trading It In

Once you have done some basic research, call the dealer and start at the highest price for trade in and negotiate a deal. Make sure you keep a list of all the positive points about your car as ammunition for this discussion.

You should also understand that you can try to sell the car for trade-in value to another dealer. You do not have to use the dealer where you are buying another car. You can simply sell the car to another dealer before buying from the other one.

Selling Privately

Look up your car’s value on KBB and Edmunds. NADA’s values are not very effective for private sales because they only classify vehicle conditions for trade-ins. Looking on KBB and Edmunds, the same Mercury Mystique we looked at for trade-in value has a much higher private party value. The range for private party sales was $1,730 to $1,843. This gives you a much better idea of how much you could get for your car on the private market.

If there is a large gap between the private party values, it is a good idea to peruse AutoTrader and Ebay Motors to find similar cars for sale. This will give you a better idea of the best valuation on your car before you place an ad or park the car out front with a sign on it.

Total Loss

If your car is a total loss, you will need to understand the value of your car so you can negotiate a settlement with your insurance company. Use the same method you used for the private party sale value but understand you will have to do some negotiating.

In most cases, the insurance adjuster offers the lowest reasonable value for the car and it is up to you to talk the adjuster up, based on the condition of your vehicle. The adjuster does not use KBB, NADA or Edmunds. Most insurance companies have private companies that perform valuation services for them. This is the main reason for discrepancies between the insurance company’s opinion of value and yours.

When negotiating a settlement, understand that some value arguments will only increase the salvage value of your car. This would actually detract from the final settlement check. For instance, if the tires were brand new, they do not increase the overall value of the car because tires are only a maintenance item. However, tires do increase the salvage value, which the insurer deducts from the total settlement amount.

The things that can increase your settlement value are vehicle options the adjuster did not include in the valuation. This can include items like leather seats, sunroof, spoilers and stereo equipment. Find any documentation you may have to prove you had these additional options and send them to the adjuster as proof. This will make negotiating and settling on a final value easier.



AAA Alarm Systems: Home Monitoring #how #much #are #home #alarm #systems


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AAA Alarm Systems Home Security System Packages

AAA Alarm Systems is wholly owned by MTS and is focused on home security systems, all of which require monitoring contracts. They have been operating since 1962 out of Winnipeg, and have an office in Brandon as well, AAA is owned by MTS. Most deals with AAA are based on being a subscriber to other MTS services.

AAA Alarm Packages

Each AAA package includes the basics:

  • a security sign
  • a newsletter
  • decals for doors and windows
  • customer support
  • full monitoring

AAA Entry Package:

  • Honeywell 6149EX Control Panel covering 6 zones
  • 3 wired door/window sensors
  • 1 wired motion detector
  • 1 siren

AAA Basic Package:

  • 2 wired Motion Detectors
  • Honeywell 6150 Control Panel covering 6 zones
  • 3 wired window/door sensors
  • 1 indoor Siren
  • Package upgrade available including a 1 photo electric monitored smoke detector

AAA Wireless Package. Non Intrusive installation

  • Honeywell 6150RF Control Panel with Key Fob covering 8 zones
  • 1 Wireless motion detector
  • 3 window/door sensors

AAA High Res. Colour Touchscreen

  • Honeywell 6272CV High Resolution Touchscreen Control panel (available in silver, black or white)
  • 1 Motion Detector
  • 3 window/door sensors

Each package can be supplemented by additional There are other packages (at additional cost) that include:

  • more motion detectors
  • the wireless option
  • additional keyfob
  • color touchscreen
  • smoke detectors

How much do these packages cost?

The Entry Level package starts at $259 installed. This can be reduced if you are an existing MTS customer and wish to bundle it with your other service. There are also $100 installation discounts and coupons that are released seasonally.

Monitoring is $21 monthly, and can be lowered to $19.50 with quarterly prepayment.

If you wish to include AAA s Guard Service, which sends a security guard to check out the exterior of your residence when AAA receives a signal this costs an additional $3 a month. AAA can also install a AAA lockbox on your property that will contain a key for the guard to enter your house.

Does AAA use Landline, Cellular, or Broadband Monitoring?

The default for all systems is POTS (Plain old telephone system) or landline based. This is a limitation for many consumers that have abandoned land lines in favour of cell only lifestyles. AAA offers a package upgrade for cellular / GSM monitoring. This requires:

  • $225 Cellular GSM Transmitter
  • $7 increase in monthly monitoring price ($28 monthly cost, as opposed to $21 for a landline)

Can I use my existing alarm system with AAA Alarms?

Yes, AAA can activate alarm systems from almost any company out there. If you have an alarm system from another company they can send out a technician who can reprogram your panel so that AAA monitors your system. Not all companies will provide this service. There is a fee associated with this, but this will be less than your new package costs.

What areas does AAA Alarms cover?

AAA Alarm Systems serves only Manitoba, and are associated with MTS (Manitoba Telecom Services). AAA s head office is in Winnipeg, and has an office in Brandon.

AAA Alarm Systems monitoring has been operational since 1962.



Electrician santa monica #unbelievable #24 #hour #emergency #electrical #repair #services #from #the #premier #company #in #santa #monica, #ca! #for #emergency #assistance, #call #us #310-906-4370. #we #offer #high #quality #repairs #at #discounted #prices24/7! #all #of #our #electricians #are #licensed #and #insured #and #the #best #at #what #they #do! #my #santa #monica #electrician #hero #offers #residential #home #wiring, #electrical #panel #installation, #and #much #more! #all #services #are #always #100% #guaranteed. #trust #our #contractors #with #your #house #rewiring #project #today!


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Welcome to My Santa Monica Electrician Hero – The Leader in Electrical Repair Services in Santa Monica, California

For over two decades, My Santa Monica Electrician Hero has been paving the way towards excellence. We are a full-service, comprehensive electrical repair company in Santa Monica that serves the repair, installation, and upgrade needs of both households and businesses in the immediate area. Our commitment to our customers is well-known throughout the community. Residents and businesses know they can rely on us 24 hours a day, every single day of the year to deliver the highest quality repairs, innovative upgrades, and cost-effective improvements. Whether you need expert assistance to upgrade your existing wiring, have questions about GFCI replacement, or want to discuss ideas about lighting design, we want you to know that you can count on us for first-class assistance every single time.

Call us today to speak with one of our industry certified, independent contractors about all the services we provide!

Speedy Quick 10 Minutes or Less Response Times for All Emergency Repair Services

Our customers appreciate our desire to deliver fast and efficient repair services. While other companies may leave you waiting in the dark, we promise to be knocking on your door in less than 10 minutes after receiving your call for help. Thanks to our quick response and trusty electricians, we have helped thousands of people over the years remedy their problems without causing additional damage or concern. Call us at two in the morning or during the evening rush. Thanks to our proximity to you we will still have someone to your home or office faster than it takes to order a pizza.

We Provide Remarkable Electrical Repair Services at Unbeatable Prices!

Finding an electrician that you can have confidence in is stress-free when you contact My Santa Monica Electrician Hero. Not only do our electricians have flawless skills, but we run our business a bit differently than other companies in town. It is this difference that enables us to offer rock-bottom prices and 10 minutes or fewer response times.

So, what makes us so different from the other companies? To begin with, we only work with self-employed electricians. These are individuals are self-starters and opt to work for themselves, but don’t particularly care to devote time to marketing. They prefer to be hands-on, helping customers with their needs. The contractors that we collaborate with are not only the best electricians in Santa Monica but in the entire industry and they may even be your neighbors.

That’s right! By only working with the best local plumbers we are always able to have someone respond to your call for assistance in less than 10 minutes. But don’t worry. We have methodically vetted the contractors we work with, making sure they have had the proper training and years of practical experience to ensure our customers’ confidence. Let our licensed, bonded, and insured partners assist you with:

  • Remodeling projects
  • Upgrades
  • Bulb replacement
  • Security lighting
  • 220 lines
  • Standby generators
  • Home lighting design
  • And, much more!

We are happy to lend our expertise to make your home or office shine!

You Can Rely On Us 24 Hours a Day for Emergency Electrical Repair Services

Your home’s electrical system is meant to work without problems. However, sometimes unexpected situations occur such as power surges or exposed wires that require the assistance of a qualified electrician. When the unforeseen occurs, call the emergency electricians in Santa Monica you can trust to be there for you 24 hours a day, seven days a week.



Medical Assistant vs #how #much #does #an #medical #assistant #make


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Medical Assistant vs. Patient Care Technician: What You Need to Know

Do you want to work in a medical facility assisting doctors and taking care of others? Are you concerned this job description only fits a nurse? Well it doesn t!

You ll be happy to hear that helping heal the sick and injured isn t strictly limited to doctors and nurses. In fact, there are several healthcare careers that allow you to work closely with patients and make a difference. Let s take a closer look at two of these commonly confused careers: medical assistant versus patient care technician.

We examined the essential information about each position so you can make an informed decision about which suits you best. So pay close attention to this side-by-side comparison of these in-demand healthcare careers.

MA vs. PCT: Job duties

A medical assistant (MA) is like a jack-of-all-trades in a medical office. They re trained in both clinical and administrative work, with responsibilities in both the exam room and the front office.

FACT: Medical assisting jobs are projected to increase 29% through 2022.

The clinical side of medical assisting involves recording vital signs, compiling patients medical histories and administering medications under the direction of a supervising physician. Administrative duties include greeting patients, scheduling appointments and assisting patients in completing insurance forms.

A patient care technician (PCT) is mainly focused on working closely with patients, in conjunction with nurses. PCTs, sometimes referred to as nursing assistants, help perform basic care for patients, such as assisting them in using the restroom, serving meals or changing bedding. They may also monitor vital signs and provide emotional support to patients and families.

Both professionals play a vital role in the healthcare system, but the range and degree of responsibilities will determine the level of training and education needed for each position.

MA vs. PCT: Skills needed

We used real-time job analysis software to examine nearly 106,000 MA and PCT job postings from the past 12 months.* The data helped us identify the top eight skills employers are seeking from candidates in each position. Here s what we found:

It s clear that the skill set required for each job is quite different, as it should be, given the job differences. But don t be intimidated by these lists of abilities. These are precisely the skills you ll acquire during your education and training.

MA vs. PCT: Education requirements

The medical field hosts a variety of careers featuring a whole spectrum of educational requirements. The good news is the qualification for both MAs and PCTs require a fairly minimal time commitment compared to other healthcare careers.

While MAs aren t required to earn a college degree, most graduate from some type of postsecondary program, according to the Bureau of Labor Statistics (BLS). A typical medical assisting diploma program can be completed in as few as 12 months.

To become a PCT, you ll need to have a high school diploma and complete a training program, according to the BLS. After completing a training program, or acquiring equivalent work experience, you can become a certified patient care technician/assistant (CPCT/A) by passing an exam. Once employed, you ll likely be required to undergo some sort of on-the-job training as well.

MA vs. PCT: A day in the life

As an MA, your duties begin when you check a patient in and end when you help him or her schedule their next appointment. In between, you may lead them to the exam room, register vital signs and record medical history. After they ve been seen by the nurse or physician, you may be responsible for explaining medications or drawing blood for testing.

FACT: Patient care tech jobs are projected to increase 22% through 2022.

Location and hours depend on where you choose to work. The BLS reports that a majority of MAs work in physicians offices, meaning they generally have regular, 9-5 work hours. This can be a big advantage if you have commitments outside the workplace.

PCTs don t have as many behind-the-scenes duties as MAs. Your primary focus would be on your patients, under the supervision of nursing staff. Your duties would largely depend on patient needs. You may have to change a patient s bandages, collect bodily fluids for testing, document patient behaviors and assist them during mealtimes. You ll also need to ensure hospital rooms are up to standard, with fresh linens, supplies and sanitation.

Most PCTs are employed in nursing homes or hospitals, according to the BLS. Because those locations operate around the clock, chances are good that you ll have to work nights and weekends. The nature of these facilities will also provide you more of an opportunity to develop meaningful, long-lasting relationships with your patients.

MA vs. PCT: Salary and job outlook

The median annual medical assistant salary in 2014 was $29,960, according to the BLS. It s also expected that positions for medical assistants will increase 29 percent through 2022, which is much faster than the average for all occupations.

The BLS attributes the growth to an aging population that will put more demand on doctors, who in turn will need more assistants. It s also projected that MAs will begin to replace workers like licensed practical nurses (LPNs), who are more expensive to employ.

In contrast, PCTs earned an average salary of $25,100 in 2014, and the number of jobs are expected to grow 21 percent through 2022. Like MAs, this faster-than-average job growth is attributed to an aging population who will inevitably have more healthcare needs as they grow older, the BLS says .

PCT jobs aren t expected to grow as MA jobs because places like nursing homes are funded by the government and thus the number of jobs depends on the funds available, according to the BLS.

MA vs. PCT: The bottom line

The comparisons provided above should give you a better understanding of a medical assistant versus patient care technician. Both positions will allow you to work directly with patients while playing an important role in the healthcare system.

If you re curious about other healthcare career options that don t require an extensive amount of training and education, check out this article: The Ultimate List of Healthcare Jobs You Can Launch in Two Years or Less .

*Source: BurningGlass.com (analysis of 105,915 MA and PCT job postings, Aug. 01, 2014 Jul. 31, 2015)

**Salary data represents national, averaged earnings for the occupations listed and includes workers at all levels of education and experience. This data does not represent starting salaries and employment conditions in your area may vary.

AUTHOR S NOTE: This article was originally published on May 2013. It has since been updated to reflect information relevant to 2015.

External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

Jennifer is a Content Marketing Specialist at Collegis Education who researches and writes articles on behalf of Rasmussen College. She is passionate about learning and higher education and enjoys writing engaging content to help current and future students on their path to a rewarding education.

Connect with Jennifer Pfeffer

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Car tax disc changes: Two days to go – and they affect you much more than just not displaying a piece of paper #car #warehouse


#car tax
#

Car tax disc changes: Two days to go – and they affect you much more than just not displaying a piece of paper

Anyone buying a car will need to tax their new vehicle before driving it home after Wednesday

More than 90 years of car history are coming to an end with the abolition of the paper car-tax disc Stefan Rousseau/PA Wire

Changes to the car tax come into effect from Wednesday 1 October. How will they affect you?

The main change is the death of the tax disc after some 93 years adorning the windscreens of Britain’s motorists.

But drivers will still be charged car tax or, to give it the proper name, vehicle excise duty.

Blame the change on improved technology. Tax discs are being ditched because the DVLA now has a digital record of payments and so a paper tax disc is no longer necessary as proof.

Tax dodgers won’t have it easy though. There are number-plate recognition cameras which track each vehicle on the road and send an alert if they spot a motor with no record of having paid the duty. Also from Wednesday 1 October the transfer of the tax from buyer to seller when you sell a motor is being scrapped. Instead anyone selling their vehicle will get a refund of any tax they’ve paid in advance, although only for full calendar months left outstanding.

Even if you’re not due a refund, you must tell the DVLA if you sell your car. Failure to do so means facing a fine of up to £1,000. You’ll also remain responsible for taxing the vehicle you no longer own and you’ll have to pay any fines the buyer may clock up.

Read more

On the other hand anyone buying a car will need to tax their new vehicle before driving it home after tomorrow.

The other major change coming in is not happening until 1 November. Then the way you pay for vehicle tax will change. At present you need to buy either six months’ or a year’s tax up-front, but from 1 November you’ll be able to pay by monthly direct debit over 12 months.

Don’t assume that’s good news as you will pay heavily for the convenience of being able to spread the tax. Drivers buying vehicle tax bi-annually or monthly will incur a 5 per cent additional charge. However that is half the penalty of the 10 per cent surcharge currently applied to the six-month tax discs.



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


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Solar Power

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

How much money does it cost to install solar panels

Solar Power

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

How much money does it cost to install solar panels

How solar panels work

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

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

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

The cost of solar panels

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

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

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

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

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

Fitting solar panels

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

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

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

How much money does it cost to install solar panels

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

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

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

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



How Much Does It Cost? View All Categories, how much does small business health insurance cost.#How #much #does #small #business #health #insurance #cost


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  • 2017 Average Contractors General Liability Insurance Rates: How Much Does General Liability Insurance For Contractors Cost, how much does motorcycle insurance cost.#How #much #does #motorcycle #insurance #cost


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    CostOwl.com

    Find Out How Much Something Will Cost

    Find Local General Liability Insurance Companies & Get Free General Liability Insurance Price Quotes. No Obligations & No Credit Card Needed.

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    How Much Does General Liability Insurance For Contractors Cost?

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    Contractors General Liability Insurance Prices

    No matter how careful you are, accidents happen. Plan for the unexpected by protecting yourself with a general liability insurance policy. For a relatively small annual premium, general liability insurance protects your assets if you are sued for personal injury or property damage. A general liability policy covers the cost of damages or settlement fees as well as attorney fees.

    General liability insurance is particularly important for contractors. Any company that works with heavy or dangerous equipment has a greater risk of injury. And even small mistakes can turn into costly lawsuits.

    Contractors’ General Liability Insurance Average Costs

    Contractors pay more for general liability insurance than many other types of businesses due to the risky nature of the work. (Faulty plumbing or electrical work could lead to damages or a child could wander onto the construction site and be injured). However, general liability insurance is still affordable.

    Most contractors pay from $700 to $1,200 per year for general liability insurance. The payments are usually structured as a down payment of several hundred dollars and monthly payments spread out over nine or ten months.

    Several factors will influence your rate. The size of the policy is one of the biggest factors – the most common policies offer $500,000, $1 million or $2 million worth of coverage. The more coverage you need, the more expensive the premium will be. Rates also vary from state to state, because courts in some states are known for awarding higher damages in personal injury and property damages cases. An insurance company will also look at your company’s track record in determining a rate. If you’ve had accidents or faced lawsuits in the past, expect to pay more.

    How General Liability Insurance Works

    General liability insurance is not a luxury for construction firms, plumbers, electricians and the like. Many times, contractors are required to show proof of insurance before beginning work on a job site. Some customers will ask to see proof before allowing you to work on their home.

    If you’re sued, general liability insurance will cover the cost of your damages or settlement fees and attorney fees up to the policy maximum. So, if you buy a $1 million policy and the settlement is $1.5 million, you’ll be on the hook for the remaining $500,000. If you’re concerned about that happening, you might want to purchase a separate umbrella policy to cover the remainder.

    Use Our Free Service and Find General Liability Companies Near

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  • How Much Does Car Paint Cost. #car #engines


    #car painting prices
    #

    How Much Does Car Paint Cost

    A car paint cost will vary depending on several factors. There are slight differences with the different types of car paint used for an auto car paint job.

    To understand why the cost of a particular paint is different from another, one should know the different factors that contribute to the cost of a specific kind of auto paint.

    There are several different types of car paint available on the market today and each type will have different costs. Based on the several factors, including the amount of paint needed, the finish and type of paint, auto paint prices vary greatly. The cost of each type of auto paint will also depend on the metallic qualities, finish, shade and pattern. There are four main types of car paint available enamel, lacquer, urethane and water-based paints. Each of these types of paints has their own advantages and disadvantages.

    Enamel Auto Paint

    Enamel auto paint or acrylic enamel car paint is tougher than acrylic lacquer paints since it dries to a hard shell. However, acrylic enamel paints do not go on as easily as acrylic lacquer paint. There are some enamel color paints that require a two-stage system. This means that a clear topcoat is used aside from the enamel paint. There are also some that use a single stage system wherein the enamel paint is the only one used. Enamel auto paints can set a car owner back about $50 a gallon, depending on the brand of paint they prefer.

    Acrylic Lacquer Auto Paint

    Acrylic lacquer auto paint, on the other hand, is probably the cheapest type of auto paint available on the market today. This type of paint is suitable for inexperienced car painters since it can easily be applied. However, lacquer is often considered a soft paint so it chips easily. Acrylic lacquer auto paint is also not chemical resistant so vehicles painted with this type of paint can expect to do regular paint jobs. Since acrylic lacquer paint is considered to be the least expensive, this type of paint can cost approximately $30 to $40 a gallon.

    Another type of auto car paint is the urethane-based paints. The acrylic urethane combines some of the characteristics of the acrylic enamel and acrylic lacquer paints. This type of auto paint can be applied easily and has the strength of enamel paint. However, urethane paints do require three other products for a complete look the color, a catalyst and a reducer. Urethane auto paints are a little bit more expensive and can cost up to $70 to $90.

    The newest type of auto paint that is fast becoming popular is the water-based paint. Considered to be the most versatile, water-based paints are generally used on existing paint jobs, metal and primer. This type of paint is also commonly used for customized paintings. However, there are currently not too many color choices for water-based paints. It costs about $120 a gallon.

    The brand of the paint is often a factor that contributes to the price of auto paint. Expect to have top quality brand paints, like DuPont Imron, to be a bit more expensive than generic, cheap brands of paint.



    How much is my car worth? (True Market Value (TMV) Car Selling Jeep Liberty) #call #a #car


    #whats my car worth
    #

    Question

    Edit Answer (for another 1 minute)

    First off, use the True Market Value tool to “appraise” your particular car, putting in all the options, mileage, trim level, location, color, ect.

    TMV will give you a trade-in value, a private party value and a dealer retail value.

    For some back-up numbers, go to www.autotrader.com. and using their advanced search feature, search nationwide for Libertys with similar mileage and equipment (autotrader search allows you to customize your search).

    Once you get a list of Libertys like yours for sale, scroll to the bottom of the page, and you will see a summary section that shows the number of cars that came up, the highest price, lowest price and average price.

    Now remember, this is average ASKING price, so figure 5-10% lower for “real money”

    in theory, this average price adjusted for real money, should come pretty close to TMV private party numbers.

    KEEP IN MIND that when you use any of these tools, you MUST be sure you are researching your trim level and your mileage. You cannot compare a higher trim level or a car with 50,000 fewer miles.



    Armed Forces Insurance #how #much #is #renter #insurance #for #an #apartment


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    Renter Insurance

    Even if you don’t own the home you live in, you still have personal property that needs to be protected.
    Renter insurance covers damages to your possessions when you rent and includes liability insurance should someone get hurt at your residence.

    Many unexpected things can happen. Pipes burst. A spark ignites a blaze. Thieves steal your possessions. Most of your basic items (furniture, clothes, electronics, etc.) can easily add up to more than $10,000.

    I give AFI an A+ for its support related to our house fire. When this started, the insurance adjuster said he worked with 200 different insurance companies and that AFI was unquestionably the best. He hit the mark! Thank you for your personal involvement and commitment along this long and sometimes torturous road associated with our claim resolution.

    Retired Air Force, Lieutenant Colonel
    Member Since 2002

    What is Renter Insurance?
    Similar to homeowner insurance, renter insurance protects you in situations that everyone can face: fire, theft, water damage, and other circumstances your landlord’s policy may not cover.

    A renter policy provides coverage, up to the limits you select, for specified items and situations, including:

    • Personal property (furniture, electronics, computer equipment, clothing, etc.).
    • Personal liability if someone is hurt, whether in your home or away from it.
    • Damage to your apartment or home caused by a covered loss.

    If you live in an apartment or rental home and accidently cause a fire or water damage, the landlord may come to you to cover the expense of the building damage. Your policy can help to replace your personal items damaged and help to cover the cost to rebuild or fix the structure. Costs otherwise that would have to come from your own pocket.

    How much are my possessions worth?
    It’s important to know how much personal property coverage you may need. The best way to do this is to take an inventory. You can download AFI’s Household Inventory Booklet to help you get started.

    1. List each item in your home, when you acquired it, and the purchase price or current value.
      Tips:
      • Going from room to room helps to ensure you’ve covered everything.
      • List items in your basement, attic, and garage or other outside structures.
      • Pay special attention to valuable possessions, such as antiques, art, jewelry, collectibles, and electronic equipment.
    2. Total the amounts of these items for a rough idea of what your property is worth.
    3. Once completed, store this document in a safe place away from home like a safety deposit box.
    4. Make sure to update this has you purchase new items.

    The total amount you figure your property is worth will be an estimate for the amount of personal property coverage you may need for your renter insurance policy. Contact Armed Forces Insurance today at 800-495-8234 or get a free no-obligation quote online .

    *Insurance products are underwritten by Armed Forces Insurance Exchange, Armed Forces Insurance Agency, and its affiliated companies. All policies and endorsements are subject to underwriting approval. Coverages, deductibles, limits, and discounts vary by state.

    Copyright 2017 Armed Forces Insurance



    Car tax disc changes: Two days to go – and they affect you much more than just not displaying a piece of paper #suv


    #car tax
    #

    Car tax disc changes: Two days to go – and they affect you much more than just not displaying a piece of paper

    Anyone buying a car will need to tax their new vehicle before driving it home after Wednesday

    More than 90 years of car history are coming to an end with the abolition of the paper car-tax disc Stefan Rousseau/PA Wire

    Changes to the car tax come into effect from Wednesday 1 October. How will they affect you?

    The main change is the death of the tax disc after some 93 years adorning the windscreens of Britain’s motorists.

    But drivers will still be charged car tax or, to give it the proper name, vehicle excise duty.

    Blame the change on improved technology. Tax discs are being ditched because the DVLA now has a digital record of payments and so a paper tax disc is no longer necessary as proof.

    Tax dodgers won’t have it easy though. There are number-plate recognition cameras which track each vehicle on the road and send an alert if they spot a motor with no record of having paid the duty. Also from Wednesday 1 October the transfer of the tax from buyer to seller when you sell a motor is being scrapped. Instead anyone selling their vehicle will get a refund of any tax they’ve paid in advance, although only for full calendar months left outstanding.

    Even if you’re not due a refund, you must tell the DVLA if you sell your car. Failure to do so means facing a fine of up to £1,000. You’ll also remain responsible for taxing the vehicle you no longer own and you’ll have to pay any fines the buyer may clock up.

    Read more

    On the other hand anyone buying a car will need to tax their new vehicle before driving it home after tomorrow.

    The other major change coming in is not happening until 1 November. Then the way you pay for vehicle tax will change. At present you need to buy either six months’ or a year’s tax up-front, but from 1 November you’ll be able to pay by monthly direct debit over 12 months.

    Don’t assume that’s good news as you will pay heavily for the convenience of being able to spread the tax. Drivers buying vehicle tax bi-annually or monthly will incur a 5 per cent additional charge. However that is half the penalty of the 10 per cent surcharge currently applied to the six-month tax discs.



    How Much is My Car Worth – How Much is My Car Worth #cars #for #sale #ireland


    #what is my used car worth
    #

    How Much is My Car Worth

    How Much is My Car Worth?

    A car is worth as much as you can get someone to pay for it.

    How much is that?

    Used cars can vary in price depending on when you sell a car, how you sell it, and who you sell it to.

    Which car price guide has the right price for my car?

    The price that you will be able to sell your vehicle for is mostly determined by what price guide the buyer may be using. Price guides are targeted at specific markets. There are four guides that dominate the market:

    • Kelly Blue Book: This is the best known guide for consumers, mostly because they were the first to offer their guide online. They primarily list used car values, with both retail and private sale prices.
    • Edmunds: They mainly target new car buyers, focusing on prices for new cars and trade-in values.
    • NADA: Published by National Automotive Dealers Association, this is commonly used by new dealers and banks. They also publish a classic car guide, as well as RV, boat, and motorcycle guides. Their books are blue and gold, which sometimes gets them confused with the Kelly Blue Book.
    • Black Book: This book is mostly used by used car dealers. Unlike the other guides, this one is quite pricey because it is published several times a year using data gathered for regional auction prices.

    Why are prices different between private and retail sales?

    Car lots are staffed with professionals that have to build their reputation to stay in business. Hopefully this means that the cars they are offering have had any problems fixed.

    Private owners often don’t have the expertise or don’t want to put forth the effort to make sure the car they’re selling is in good running order. Also, since this is the only vehicle they’re selling, they can get away with selling a bad car more easily than a lot. Privately sold cars trade for lower prices because there is more risk involved.

    What about the value of antique cars?

    Pricing of classic cars is far more difficult because some models may not come up for sale often and their quality can be all over the map. These cars can be separated into four broad categories, with each one attracting a different market.

    • Survivor: This is a car that is basically as it left the factory. There may be some wear and tear, but it shows what a “real” car is like. While some high performance cars are bought new specifically for resale later, others are so rare that it’s hard to predict their value before a sale. These types of vehicles mostly go to museums and serious collectors, making them an ideal candidate for antique car auctions and national sales like eBay.
    • Restored: Major work has been done to these cars, but they’ve been kept in a form close to how they would have been equipped when they came off the line. In most cases, the closer the vehicle is kept to its original form, the higher its value is. A “numbers matching” engine has the same VIN stamped on it as the firewall, which means it’s the one the car came with from the factory.

    Generally, the nicer a vehicle looks, the higher its value will be. This holds true even if the quality is better than it would have been from the factory, and there has been much debate whether it’s better for a vehicle to have original-style paint or shinier, better wearing clearcoat paint. Classic car guides like NADA’s will give you a general idea of a price, but the actual sale price will deviate more than a newer car due to differences in condition.

    • Resto-mod: This is a car that has been updated with modern components to make it a daily driver. This can be as simple as switching to a different engine, or can be a ground-up build with a modern car covered in a vintage body. Even the best resto-mod will only sell for the equivalent cost of a new vehicle with similar equipment.
    • Hot rods: These vehicle are affected more by fads than any other car because they’re all about style. Reproduction parts have become so popular you can build a ’32 Ford Roadster hot rod entirely from things found in a catalog, so being able to show what parts of the car are original can improve its value.

    There is another subset of cars that strives to use period-correct hot rod parts. In the case of the ’32 Ford, this type of car would be powered by a flathead Ford with Offenhauser heads rather than the ubiquitous Chevy small block. These cars always have a high value because they can be very difficult to create. Fortunately, there is no such thing as a “stock” hot rod, so parts choices are much broader than on a restored car. Sometimes hot rods cross into resto-mod territory, with the addition of modern conveniences like air conditioning making a car more desirable to buyers wanting to go to cruise nights.

    How much are these cars worth?

    Nostalgia plays a major role in a car’s value. Today muscle cars are trading for large amounts of money because the people who are looking for antiques remember these vehicles from their childhood. Meanwhile, pre-WWII car values have plummeted, as few drivers are old enough to remember them while newer drives see them as impractical.

    Rare doesn’t necessarily mean desirable. While a few missing trim pieces on a Mustang can be ordered from any number of catalogs, they may be all but impossible to get for a similar vintage AMX. Completeness plays a bigger part in a car’s price as you

    Drivability has a major impact on sales. Unless you’re dealing in something super-rare, most people want something they can drive in club meets or take to shows. Minor improvements like an air conditioner converted to R-134 or a modernized ignition system can make your car much more appealing.

    How can I improve the value of my car?

    • Cleanliness: No matter what you’re selling, a professional detail will make your car look far newer and better cared for.
    • Documentation: This is particularly true of special models that can be recreated with spare parts, like Hemi Chryslers or the Integra Type R. There are services available for getting a reproduction window sticker for classic cars, allowing prospective buyers to compare the car’s current state with its equipment from the factory. Any receipts or manuals you have for other parts show the car has been taken care of.
    • Professional upgrades: Equipment added to a car by well known shops like Saleen or Steeda add a great deal to the value of a car.Buyers know that these improvements have been tested and are backed by a reputable company. Again, documentation is crucial. Most of these cars come with a separate window sticker detailing these modifications. Some of these cars will also come with the signature by the builder or licensing partner, often in some obscure place like the inside of the trunk lid.
    • Fads: Car values can be affected by things that move too fast to be charted by price guides. For example, during gas price hikes a couple years ago fuel efficient vehicles were in high demand. Geo Metros, which used to trade for $500-$1,000 shot up to $3,000 almost overnight. Now that gas is inexpensive again, they’ve returned to their previous sale value.

    There are also some things that people think add value to a vehicle, but don’t.

    • Options: Rare and desirable options can add value, but only if it’s something that can’t be removed from the car. For example, M Edition wheels are highly sought after by Miata enthusiasts because they’re the lightest stock wheels available. However, since they’re easy to switch between vehicles, they don’t increase the value of the car. On the other hand, Mazda has released British Racing Green Miatas in very small numbers, increasing the value of these vehicles over Miatas in other colors. Some “special editions” are either so common or little known as to have no effect on price while something familiar like the Indianapolis Pace Car Edition often trade for at least 20% more than regular models.
    • Amateur upgrades: No matter how well your additions may work, buyers will see them as possible problems. This includes everything from boost controllers to lift kits. Often the best way to get your money out of these parts is to sell them separately from the car. However, you may be able to recover some of this if your car has a proven race history: time slips and trophies show your modifications work, and buyers may be encouraged to purchase your car if it can meet race series requirements.

    For another perspective on the value of your car, take a look at: How Much is My Car Worth. We also recommend this site by the same name: How much is my car worth?



    Finding a Developer for Your App Idea – A Mobile App Design and Development Company #cost #to #develop #an #app,how #much #does #it #cost #to #develop #a #mobile #app,how #much #to #make #an #app,the #true #cost #of #building #a #mobile #app,how #much #does #it #cost #to #make #an #ios #or #android #app


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    Finding a Developer for Your App Idea

    Finding a developer for an app project is a challenge. We talk to people all the time who are lost in the process of finding the right developer for their mobile app idea. Sure, you can hit the search engines and find hundreds of mobile app developers. But how do you find a mobile app developer with the experience and ability to take your idea from concept to the app store? Here are six principles that will help

    • One is not enough. Get multiple bids from experienced app developers. The more you talk to experienced developers, the more you ll learn about your project. If the developer thinks you re serious and not just kicking tires, he will be happy to share his thoughts during the initial call. This will help you in two ways finding the right developer and refining your app idea.
    • Don t be penny-wise and pound-foolish. The lowest bid is not always the best or even the cheapest. We see project after project in which someone hired the cheapest alternative and ended up with a shattered project or nothing at all. Work only with reputable, experienced app developers. They may not be the lowest bid, but you get what you pay for.
    • Ask common sense questions. For example, if your mobile app includes a social network, ask the developer about his experience developing apps with social networks. If your mobile app will be graphics rich, ask the developer about his graphics capabilities. Get the answers you need. If they duck your questions, run. Fast.
    • Check out the developer s website. If the developer s website does not impress you, how likely is it the developer will impress you with the app you ll get? If the developer doesn t have a website
    • Check out other apps developed by the developer. A developer s app portfolio is like a picture “worth a thousand words. Do the developer s prior apps have the look and feel you want for your app?
    • Finally,don t pay to train an app developer. Hire only experienced developers with at least one app in the iTunes store or one deployed Android or Blackberry app.

    Looking for an App Developer? Your Search ends here!
    It’s tricky business sorting through hundreds of them to find an app developer that’s perfect for your business. Appmuse has a wide range of network for top rated mobile application development companies which will help you in getting ball park quotes from 3 different top rated companies by filling out our
    quote request form. Follow these guidelines by AppMuse and find the best mobile app developers!

    Finding a Developer for Your App Idea was last modified: July 25th, 2017 by AppMuse

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    Payday Information #how #much #do #payroll #companies #charge


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    NACHA -The Electronic Payments Association

    Direct Deposit Facts

    1. It’s convenient. You don’t have to go to the bank to cash your check.
    2. It’s safe. No more lost, stolen or misplaced checks. (Did you know that nearly 4 million paychecks are lost or stolen each year?)
    3. It’s reliable. Your money will be available the morning of the payment or sooner.
    4. It saves time. Did you know that people spend as much as 24 hours each year waiting in line to cash their paychecks?
    5. You can get your paycheck even when you are out sick or out of town reassured that the checks you’ve written will clear.
    6. It helps you manage your money. You can usually have your paycheck deposited directly into more than one account (such as a checking and a savings account), thus helping you set up a savings plan.

    But, according to NACHA-The Electronic Payments Association, the most important reason of all to use Direct Deposit is that it benefits all of us consumers, companies and the country. Thirty years of success prove that Direct Deposit is safe, confidential, and allows you to easily manage your finances.

    Frequently Asked Questions

    Direct deposit is a safe and easy way to have your money deposited directly into your checking or savings account. When you use direct deposit, you allow a company or organization to electronically transfer money into your bank account.

    What types of payments can be made by Direct Deposit?
    Any ongoing, regularly-scheduled payment, including:

    • Salary payments from your employer, Benefit checks from the federal government, such as Social Security, Supplemental Security Income, Civil Service, Railroad Retirement and Veterans payments, Benefits issued by state governments, such as retirement and unemployment payments, Pension payments, and
    • Income from your investments, such as certificates of deposit, annuities and mutual funds.

    How do I begin using direct deposit?

    Ask your employer or government agency if they offer direct deposit. It’s a very simple process to get started. If they don’t offer direct deposit, encourage them to offer it.

    How is money deposited into my account?

    The payer’s bank will electronically instruct your bank to credit your account for the amount owed to you on the predetermined date. Your bank then deposits this money into your account and charges the payer’s bank account. You don’t need to have an account at the same bank as your employer.

    How can I be sure my deposit was made?

    Y ou will get a payment stub in writing or electronically from your employer that lets you know it sent the deposit to your account. If another type of payer doesn’t provide such a stub or notice, your bank will notify you within two days after it receives the deposit or will provide you with a telephone number you can use to check the status of your deposits. The deposit will also be shown on your monthly bank statement.

    What if there is a discrepancy between my bank statement and the payment stub or deposit notice I received from the payer?

    Notify your bank and your payer immediately. You have up to 60 days from your account statement to notify your bank in person, by telephone, or in writing of an incorrect deposit amount. If the bank needs more than 10 business days to investigate and resolve the situation, it must credit the amount in question to your account during the investigation.

    Can I stop using direct deposit if I change my mind?

    Yes. Just contact the payer and they will tell you how to cancel the service.

    Can the payer take money out of my account or get confidential information about me through my bank?

    Generally, no. Only you can approve the withdrawal of money from your account, and the payer only has access to the information you provided. However, if your employer pays you too much (e.g. if it sends two deposits to your account for one pay period), it can reverse the incorrect payment without notifying you within five business days of making the payment. Receiving your money by direct deposit is actually more confidential than being paid by check because fewer people are involved in the delivery and deposit of your payment.

    For more information:

    • Consumers: To get a copy of Regulation E, which outlines the legal requirements for consumers, companies and banks who use direct deposit, you can contact the Public Affairs Department at the nearest Federal Reserve Bank or contact NACHA at 1-800-487-9180.
      Employees: If you are interested in having direct deposit instituted at your company, contact your company’s payroll department about setting up a direct deposit program.
    • Payroll Professionals: Some helpful resources on setting up a Direct Deposit program are the American Payroll Association’s book (updated annually) The Guide to Successful Electronic Payments
    • NACHA-The Electronic Payments Association
    • Electronicpayments.org



    How Much Car Worth Free – AE Autos #rentalcars


    #how much is my car worth free
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    How Much Car Worth Free

    Latest new car prices, deals, used car values, dealer quotes & CPO values. NADA Guides is the leader in vehicle pricing and vehicle information.

    http://www.nadaguides.com/

    Edmunds.com is your center for used car research. Find used cars for sale, get prices, find used car dealers and calculate used car value with appraisals.

    http://www.edmunds.com/used-cars/

    Do you know how much car you can afford based on your salary? Follow the 20% rule to determine how much car you can afford based on income.

    How much car can you afford? The 20% Rule

    Free car valuation. How much is your car worth? Let What Car?’s experts get you the most accurate, up-to-date valuation on the market using our instant online service.

    http://www.whatcar.com/valuations

    Car Insurance Rates. Car Insurance Rates is your ultimate online resource for auto insurance. We provide company reviews, vehicle purchasing advice, claims help.

    http://www.carinsurancerates.com/

    Car.com is for people who need help finding the perfect vehicle. Choosing from thousands of cars is really confusing, we have the tools to help you make a decision.

    http://www.car.com/

    Etymology. The word “car” is believed to originate from the Latin word carrus or carrum (“wheeled vehicle”), or the Middle English word carre (meaning cart, from Old.

    https://en.wikipedia.org/wiki/Automobile

    Taking a vacation with your teenagers can be a stressful time when you want to have that perfect vacation and “E-Z rent-a-car” really made sure that my family was.

    Home

    It is a joyous time when you are ready to sell your website. While you will be fraught with questions and unknown variables when ultimately you decide to sell your.

    How To Sell A Website – How Much Is Your Website Worth?

    Used car industry. With annual sales of nearly US$370 billion, the used vehicle industry represents almost half of the U.S. auto retail market and is the largest.

    https://en.wikipedia.org/wiki/Used_car



    2015 MacBook Pro with Retina Display: 15-inch vs #how #much #does #the #macbook #air #weigh


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    2015 MacBook Pro with Retina Display: 15-inch vs. 13-inch

    Along with OS X, Apple’s trackpads and keyboards are the first things we’re thinking about when we recommend MacBooks. Both of these are the same spacious glass pads we’ve always loved, and now the 15-in model also has Force Touch tech.

    Force Touch uses sensors and haptic feedback to make the (mostly) non-moving trackpads feel like they’re clicking. Unlike the older moving trackpads, these click uniformly across the entire pad (the older ones had a diving board-like hinge) and you can also customize the pressure required to click.

    Colors

    Apple made your choice here very easy.

    Display (size)

    The 15-inch model’s screen is 34 percent bigger.

    For many people, that will be overkill. While both are called “Pro,” the 13-in version doubles as a powerful consumer-level notebook. If you want the larger version, it’s likely because you need a big laptop screen for work – for things like professional video editing.

    Display (resolution)

    Both have sharp Retina Displays, with nearly identical pixel densities.

    Processor

    The new 15-in model didn’t get updated to a Broadwell Core i7, sticking with Haswell. Intel still hasn’t released its quad core Broadwell silicon.

    Graphics

    Like last year’s model, the higher-end version of the 15-in Retina MacBook Pro has both integrated Intel graphics and a dedicated GPU. This year that goes from an Nvidia GeForce GT 750M to an AMD Radeon R9 M370X.

    RAM


    Verify Your HARP Refinance Eligibility in Minutes – Free! #how #much #will #i #save #if #i #refinance


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    Disclosure to Vermont Consumers

    Full Beaker, Inc. does not act as your lender. Full Beaker, Inc. forwards your information to our mortgage origination partners who then contact you directly with their offers. Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Our fees are flat and are collected from our partners, the amount of which is not dependent upon whether or not a loan is closed. Full Beaker, Inc. neither selects nor recommends a loan product for you. Per Vermont law, we represent the interests of potential borrowers by referring you to one or more of our mortgage origination partners who are licensed or otherwise authorized to do business in Vermont. We maintain records of your inquiry and recommend that you to print out a copy of this agreement for your own purposes.

    By clicking ‘I Agree’ below, you have read the above disclosure and understand that as a resident of Vermont you are submitting your information to Full Beaker, Inc.

    Verify Your HARP Refinance Eligibility in Minutes – Free!

    Lower Your Rate, Lower Your Payment, and Save on Interest

    HARP Program: Homeowners can now utilize government sponsored HARP program to refinance their home from high interest rates, declined home values, and underwater mortgages.

    HARP Mortgage Relief: Get the benefits you deserve. Obama s sponsored HARP refinance program allows you to refinance your home even if it is 1/2 the value of your current loan balance!

    HARP Benefits: Up to 200% loan to value, late mortgage payments may be acceptable, minimal fees, little or no out-of-pocket expenses, some may qualify without an appraisal.

    HARP Eligibility: You may be eligible for a HARP refinance through the government s Home Affordable Refinance Program. Check your eligibility through our simple, no obligation HARP program quotes.

    Harp Loan Eligibility: Freddie Mac and Fannie Mae have accepted modifications to the HARP (Home Affordable Refinance Program) and you may be eligible to benefit from the HARP Loan Program if your home mortgage is guaranteed or owned by Freddie Mac or Fannie Mae. To check to see if your mortgage qualifies for the Harp loan program please visit: www.fanniemae.com and/or www.freddiemac.com. Verify your eligibility now by getting a free HARP loan program quote with MortgageRefinanceRates.org.

    Mortgagerefinancerates.org is a website that provides information about mortgages. We do not directly offer mortgages, accept applications or approve loans but we work with partners who do. We are not affiliated with the US Goverment, US Armed Forces or Department of Veteran Affairs. US Government agencies have not reviewed this information and this site is not connected with any government agency. Mortgagerefinancerates.org is not responsible for the accuracy of rates, APR or loan information posted by brokers, lenders or advertisers.

    Please contact our support if you are suspicious of any fraudulent activities or have any questions. If you would like to find out more information about your benefits, please visit the Official US Government website for the Department of Veteran Affairs or the US Department of Housing and Urban Development .

    Rate shown is for an adjustable rate mortgage (ARM). See our advertising disclosures for rate and payment details.

    Copyright 2017 Mortgagerefinancerates.org


    Pricing For Answering Service #answering #service #cost,answering #service #price,answering #service #prices,how #much #does #answering #service #cost,what\’s #the #price #for #answering #services,affordable #answering #service,flat #rate #answering #service,best #price #answering #service,cheap #answering #service,free #answering #service,answering #service #contracts,answering #service #rates,answering #service #plans,answering #service #deals


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  • Get Pricing For Answering Service Solutions – Control Your Cost, Don’t Be Controlled

    Just how much should an answering service cost and what if you could control the fees and plans to get the best rate from local call centers? The fact is you are in more control than you may think. From flat rate pricing, pay-per-call, or pay by the minute plans we’ll get you the most affordable and competitive rates from companies that will deliver their lowest prices, and the good news you won’t have to be a super negotiator to get that reduced price, because they know you’re shopping. We know time is important and getting the most for your money is even more important. That’s why we offer a one stop solution for you to complete one form and get quotes on answering services within 1 business day. Describe your needs (takes 30 seconds) and we will connect you with providers delivering their best prices on inbound call services that match your requirements. You deal directly with them they fight for your business. You save time and money.

    Pay For Time Usage Only: This type of plan bills you for actual time used. Most of the time you will be billed by the minute. Some companies bill in one minute increments so it’s best to use a service that bills in 10-15 second time increments, and ideally actual seconds used. Expect to pay a typical monthly base rate of $19 $49 plus your actual usage. The cost per minute will vary between $0.79 $1.25 depending on requirements.

    Pay Per Call: Pay a flat for every inbound call. This plan is great for those that have low call volumes but the down side can be that you will pay the same rate for incorrectly dialed numbers. The typical monthly base rate for this service will range from $10 to $30 a month and the price per call will be around $0.69 $1.50, usually depending on the anticipated length of your calls and number of questions that are being asked.

    Flat Rate Plans: A program that promises flat rates can be offered in a few ways, but the basic understanding is you pay one flat price for unlimited calls. This rate is based on your realistic call volume expectations but is a great way to manage the cost of service. These answering service plans range between $49 and $139 a month and usually require no contracts or set up fees.

    Pay as You Go: This program allows you to have a monthly base rate of $0.00 and you only pay for the actual time used. In some cases a small security deposit of up to $100 may be necessary to protect the supplier in the event you have excessive usage and don’t pay your invoice. A credit check may also be requested which you may or may not be required to pay for.



  • Paralegal I Salaries by education, experience, location and more #how #much #schooling #to #be #a #paralegal, #paralegal #i #unemployment #insurance #benefits #compensation #unemployed #salary #range #job #search #career #education #salaries #employee #assessment #performance #review #bonus #negotiate #wage #change #advice #california #new #york #jersey #texas #illinois #florida


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    Paralegal I Salaries

    Alternate Job Titles: Paralegal I, Law Clerk I, Legal Aid I, Legal Assistant I

    • What is the average annual salary for Paralegal I?

      How much does a Paralegal I make? The median annual Paralegal I salary is $52,824. as of May 30, 2017, with a range usually between $46,712 – $59,646. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Paralegal I in the United States.

      This chart describes the expected percentage of people who perform the job of Paralegal I in the United States that make less than that annual salary. For example the median expected annual pay for a typical Paralegal I in the United States is $52,824, so 50% of the people who perform the job of Paralegal I in the United States are expected to make less than $52,824.

      Source: HR Reported data as of May 30, 2017

      • About this chart

        This chart describes the expected percentage of people who perform the job of Paralegal I that make less than that salary. For example 50% of the people who perform the job of Paralegal I are expected to make less than the median.
        Source: HR Reported data as of June 2017

        Provides support to attorneys. Under the direction of an attorney, resolves routine legal issues. Researches and analyzes law sources such as statutes, recorded judicial decisions, legal articles, treaties, constitutions, and legal codes to prepare legal documents, such as briefs, pleadings, appeals, wills, contracts, etc. May require an associate s degree or its equivalent and 0-2 years of experience in the field or in a related area. Has knowledge of commonly-used concepts, practices, and procedures within a particular field. Relies on instructions and pre-established guidelines to perform the functions of the job. Works under immediate supervision; typically reports to an attorney. View full job description



    Lawyers – Fees in Your Personal Injury Case #how #much #do #personal #injury #lawyers #make


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    Lawyers Fees in Your Personal Injury Case

    In most personal injury cases, a lawyer will charge a contingency fee. This system allows the injured party to hire an experienced lawyer without having to front the cost of legal fees.

    In a contingency fee arrangement, a lawyer’s fees will be deducted from the final settlement in your case — or from the final verdict at trial. Most personal injury lawyers will also deduct any expenses that were covered by the lawyer. The lawyer’s contingency fee percentage will typically vary based on the stage of your case. In the sections that follow, we’ll cover some things to keep in mind when it comes to your injury settlement and how your lawyer will be paid.

    Contingency Fee Percentages

    The typical personal injury lawyer will charge a contingency fee to handle your case. Some state statutes limit the percentage that a lawyer can take as a contingency fee. Most contingency fees are between 33 and 40%. but you can always try to negotiate a reduced or alternative agreement. In the majority of cases, a personal injury lawyer will receive 33.33% (or one third) of any settlement. For example, if you receive an offer of $30,000 from the wrongdoer or his insurance company in your case, you will receive $20,000 and your lawyer will receive $10,000. (Learn more about hiring and working with an attorney and when it makes sense to represent yourself .)

    Settlement Before Filing a Lawsuit

    Most states provide shifting fee limits based on the stage of the case. Your lawyer should send a demand letter to the person or business (wrongdoer) that injured you. The letter will explain the injuries and demand payment. If you have a good case, the wrongdoer will typically make a counteroffer and there will be further negotiations. This all occurs before you file a lawsuit (file a formal complaint in court). Where you settle before filing a lawsuit. it is likely that the lawyer cannot receive more than 33% of the settlement.

    Settlement After Filing a Lawsuit

    The wrongdoer may not take settlement negotiations seriously or may fail to answer your demand letter altogether. At this point, if you have a strong case, you will file a lawsuit. In many states, if your settlement occurs after filing the lawsuit, your lawyer is permitted to receive a higher percentage of the settlement, usually 40%. Where your case settles for $30,000, but this time after you file the lawsuit, your lawyer can recover $12,000. Additionally, before choosing to reject a pre-suit settlement offer, you should consider the expenses of a personal injury lawsuit. As your case progresses, it will likely get more costly.

    Costs and Expenses

    Many personal injury lawyers will cover costs and expenses and then deduct them from your share of the settlement. Other lawyers will charge you for costs and expenses as they become due. Where you are responsible for paying for each cost and expense, your case will likely not proceed until you make the payment.

    Costs and expenses in a personal injury case include:

    Costs and expenses may be high, especially if settlement does not occur until close to trial. The lawyer’s final percentage with all fees, costs, and expenses may end up totaling between 45 and 60% of the settlement.

    For example, suppose you settle your personal injury case after the lawsuit is filed for $30,000. There were various costs and expenses that your lawyer covered totaling $4,000. The lawyer will receive 40% of the settlement amount as lawyer’s fees which is $12,000. The lawyer will also deduct $4,000 for costs and expenses from the $30,000 settlement. In this case, the lawyer will receive $16,000 of the final settlement amount.

    Your Lawyer Will Receive the Settlement Check

    It is common practice for the settlement check to be sent to the lawyer. This ensures that your lawyer will get paid for the legal services performed. Many personal injury lawyers only take contingency cases and, therefore, risk not getting paid if they do not receive the settlement check. The lawyer will contact you when he or she receives the settlement check. The lawyer should also explain the amount he or she will be deducting from your settlement check to cover lawyer’s fees and costs and expenses.

    If you dispute certain charges, the lawyer should place the disputed amount in a trust account. However, the lawyer should still send the undisputed amount to you.

    Get the compensation you deserve.



    How Much Is My Junk Car Worth? Junk Car Prices #seat #cars


    #scrap car prices
    #

    What Is The Going Rate For Junk Cars in 2014?

    What Is The Going Rate For Junk Cars in 2014?

    What is the going rate of junk cars in 2014?

    What is the going rate for junk cars and what can you expect to get in terms of cash for junk cars. Good question. Getting rid of your junk car isn t a complicated process, but determining how much it is worth can be a little confusing. Unfortunately, there is no one-shot formula for appraising a vehicle s value, but all appraisals, at least from many salvage companies, have these factors in common:

    It s with these factors that appraisers will estimate the value of your vehicle, which ultimately determines what they can pay you for your junk car. Generally, the price range for junk vehicles is anywhere from $200 to $400, but amounts vary depending on the factors listed about above.

    Keep reading to see why and how prices are determined!

    Determining the true value of your junk car

    Any junk car, even those that have one or more components that make them unsuitable for driving, is worth something. That s why you need to figure out its true value before proceeding to, well, the selling part.

    The sales value of a junk car is more or less based off of its current market value for that same vehicle in used condition, with a catch. The amount you will receive for a junk vehicle is based loosely off its diminished value, which is based off the total cost of repairs that may make the vehicle a working vehicle again, along with the market value for the same car.

    One of the most important things you need to do before selling your junk car is finding how much that junk car costs. The true value of your junk car essentially determines how much you can get out of the vehicle. After all, you don t want to sell your junk car and later discover you didn t get as much as you could out of the car.

    After you determine the value of you vehicle, you can start shopping around for appropriate junk car salvaging companies — and we re glad to help anyone who is interested in using our service.

    So, how do you get the most for your car?

    According to Kelley Blue Book, most salvage cars cost as much as 20 to 40 percent of a car s used value, but again, certain factors also play a role in determining the going rate. Where the vehicle is located, the condition of the car, what year/make/model it is, and the current price of scrap all play a major role in creating an accurate appraisal.

    Here s a breakdown of how these factors play a role in your determining your car s junk value:

    • Location Where you live plays a huge role in what you re able to receive for a junk car. Your proximity to a salvage yard and regional price of scrap play a role in how much you can receive for your vehicle. The popularity of certain vehicles in an area may also affect how much money you are able to make, as certain junkyards will pay more for specific models.
    • Year/Make/Model While there are still many older vehicles on the road today, the demand for parts is not always consistent. For example, hundreds of people still drive Dodge Neons. but the demand for those parts is relatively low, because most of the Neons that are taken off the road are truly at the end of their life. Another thing to consider is how cars change from year to year, and as vehicles become more fuel efficient and environmentally friendly, more plastic may be integrated into the bodies, which decreases the metal weight.
    • Condition This is pretty simple to understand, but it s worth mentioning. If you are driving a pristine, clean, and smooth running junk car, you re more likely to get a little more cash for it. If you re really driving a rusty clunker, then it s going to be bought for its scrap value, rather than the value of its parts.
    • Current Price of Scrap This is probably the most important factor in how much you receive for your junk car, if only because most salvage companies are buying vehicles for the metal value, rather than the parts. If the price of scrap is down, generally you will not be able to receive a high payout for your vehicle, even if it is in generally good condition.

    These factors are not the end-all for determining your junk vehicle s value. With some vehicles, you can potentially get even more depending on the individual components. What we mean is that sometimes the components of a working vehicle can make you more cash than an equivalent junk car that isn t working. Keeping all of this in mind, it s important to do your research before selling your junk car, so you can receive the best price possible.

    Looking to get cash for your junk car? Get a free quote today!



    Car expenses: Determining your budget – May #car #budget, #car #expensives, #how #much #car #can #i #afford


    #

    Determining your car budget

    After your mortgage or rent, car loan or lease payments are likely to be the next-biggest item in your monthly budget. So calculate carefully what you can really afford. Remember to take into account such items as insurance costs, which can run as high as 12%, but more typically 5% to 8% of the purchase price.

    A new (or used) car calls for a new state registration, with fees typically running from $50 to $125. These items usually figure into the total amount you borrow with a loan or finance with a lease — and therefore help determine your real-life monthly payments.

    A good rule of thumb is to plan on spending 10% to 15% of your total monthly budget on all automotive expenses. If you are buying a new car. your warranty will cover major repairs for at least the first three years in most cases, but will usually not cover routine maintenance such as oil changes or replacement for items such as batteries, windshield wipers or tires.

    A new car means higher insurance costs. (Opting for a late-model used car can cut those costs.) Your premiums for liability coverage, required of all drivers, may not change much from your old car. What will increase is the so-called collision and comprehensive portions of your policy.

    Collision pays to repair accident damage to your car, while comprehensive covers theft, fire and natural disasters. Since you will want these types of coverage for a new car, your costs could shoot up sharply.

    Check the record. One way you can cut your insurance costs before you buy is to choose a model that has a good safety record and/or a low theft rate. Insurance costs vary not only by model but also by metropolitan areas, and even from city to suburbs within those areas. So when you have narrowed the number of cars or trucks on your wish list to a handful, call your agent for a rate quote, or check theft and safety records on the Web.

    For federal crash test results, go to www.safercar.gov. The site operated by the insurance company-sponsored Highway Loss Data Institute will give you rankings for injury and property losses for any vehicle, plus a list of the most- and least-stolen models. Both those factors affect insurance costs as well as your safety and peace of mind.

    CNNMoney (New York) First published May 28, 2015: 5:31 PM ET



    How Much Does It Cost To Paint a Car #cars #for #sale #cheap


    #car painting prices
    #

    How Much Does It Cost To Paint a Car

    Whether you just got yourself a second hand car of you have been involved in an auto accident, you may be asking yourself the question how much does it cost to paint a car .

    There are many factors to be considered in determining the costs of painting a car. The most significant considerations include quality of materials, level of labor involved, and size of car.

    To help you figure out how much painting a car costs, consider the following:

    The Car Painting Process

    Depending on the quality of work done, the processes will generally start with the washing of the car. This will remove dust particles, mud, and any other foreign bodies from the surface of the car and make it easier to paint.

    The original paint will then be sanded down and the garage may repair some of the uneven surfaces and scratches.

    After that, the chromes and windows will be covered up or if it is a high end job they may be completely removed.

    Once the preparation for painting the car is completed, the colorless primers will be applied to make the paint last longer. It is then that the application of paint will commence using spray guns. This will be followed by the application of a protective cover which is normally transparent.

    Some of the cheaper places will not follow all these steps and some of the high end specialty shops will do much more.

    Cost of Materials

    There are different materials and equipment used in painting a car. The primary cost to focus on is the cost of car paint, the cost of the primer, and the cost of the clear coatings. These can set you back from about $200 for the cheapest quality to over $5,000 for top shelf products.

    However, the average costs range at between $1,000 and $1,500 for a decent job .

    Different cars require different types of paint and this is also affected by the metallic qualities of the car, type of finish, shades, and patterns.

    Depending on your needs and your budget, you may have to use one of the following most commonly used types of car paint.

    Enamel Paint

    Enamel paints are tougher than lacquer paints because of how they dry into a hard shell though they are not as easy to apply. Many enamel colors tend to require a two-stage process where a clear top coat is applied in addition to the paint.

    Nevertheless, there are some enamel paints that only require a single step. Typical prices for a gallon of enamel auto paints are around $50 .

    Acrylic Lacquer

    Perhaps the cheapest option you will have is the acrylic lacquer auto paints. It is easy to apply though it chips easier.

    You may have to apply regular coats due to the chipping and because they are not chemical resistant. They cost between $30 and $40 per gallon.

    Urethane-Based Paints

    Urethane-based paints have qualities that fall between enamel and acrylic lacquer paints. They are easy to apply and are as strong as enamel paints.

    Nevertheless, urethane-based paints have to be used with three other products for a complete finish. These are a reducer, a catalyst, and the color. They cost between $70 and $90 per gallon.

    Water-Based Paints

    Water-based paints are relatively new in the market though gaining a lot of popularity. They are the most versatile auto paints as they can be used on the existing paintwork, on metal, and on primer.

    However, there are not many color choices yet and they are more expensive at around $120 per gallon .

    Labor Costs

    You can get a garage that charges $300 or less on labor for painting a car.

    However, the paintwork will most likely be sloppy and uneven, and preparation will be nonexistent.

    For a decent job, most mid range garages will charge between $1,500 and $3,000 for labor. The labor costs are also determined by quality of work, level of preparation, the need for body work, and size of car.

    Total Costs

    The total costs for painting a car will be determined by cost of labor and materials. It may range from just a few hundreds to many tens of thousands.

    Low-End Prices

    There are various national chains that offer prices as low as $200 for painting a regular-sized vehicle.

    Typical service involves cleaning the surface of the car to remove dirt and old paint, masking some areas to reduce chances of overspray, and providing a heat-cured finish. They typically offer a one year warranty.

    Mid Range Prices

    Using better materials and more involved preparation and finishing, a mid range car paint may cost anywhere between $1,000 and $5,000 .

    It may also involve interior painting and areas near the engine getting re-colored. Typical warranties range from 2 to 5 years though may be more.

    High End Prices

    High end car paint jobs cost between $4,000 and $10,000 though they may even go up to $80,000 for highly specialized services.

    Paints used in this kind of services sell for even hundreds of dollars for one quart.

    The preparation in these kinds of jobs involves complete removal of windows, mirrors, headlights, and bumpers before sanding begins.

    Buffing and wet-sanding is also done after the paintwork is complete. High end jobs usually come with a lifetime guarantee.

    Do-It-Yourself Costs

    You can significantly cut down the costs of painting your car by doing it yourself. But you should know that the work is involving, may take very long, and will require a substantial investment in equipment.

    For instance, you will need to purchase spray guns which do cost between $200 and $800. Sanding materials will also cost you another $50 to $200 .

    The good thing is that you get to choose your material and so you can decide to reduce your carbon footprint and use more environmental-friendly products.



    How Much Is My Junk Car Worth? Junk Car Prices #car #design


    #scrap car prices
    #

    What Is The Going Rate For Junk Cars in 2014?

    What Is The Going Rate For Junk Cars in 2014?

    What is the going rate of junk cars in 2014?

    What is the going rate for junk cars and what can you expect to get in terms of cash for junk cars. Good question. Getting rid of your junk car isn t a complicated process, but determining how much it is worth can be a little confusing. Unfortunately, there is no one-shot formula for appraising a vehicle s value, but all appraisals, at least from many salvage companies, have these factors in common:

    It s with these factors that appraisers will estimate the value of your vehicle, which ultimately determines what they can pay you for your junk car. Generally, the price range for junk vehicles is anywhere from $200 to $400, but amounts vary depending on the factors listed about above.

    Keep reading to see why and how prices are determined!

    Determining the true value of your junk car

    Any junk car, even those that have one or more components that make them unsuitable for driving, is worth something. That s why you need to figure out its true value before proceeding to, well, the selling part.

    The sales value of a junk car is more or less based off of its current market value for that same vehicle in used condition, with a catch. The amount you will receive for a junk vehicle is based loosely off its diminished value, which is based off the total cost of repairs that may make the vehicle a working vehicle again, along with the market value for the same car.

    One of the most important things you need to do before selling your junk car is finding how much that junk car costs. The true value of your junk car essentially determines how much you can get out of the vehicle. After all, you don t want to sell your junk car and later discover you didn t get as much as you could out of the car.

    After you determine the value of you vehicle, you can start shopping around for appropriate junk car salvaging companies — and we re glad to help anyone who is interested in using our service.

    So, how do you get the most for your car?

    According to Kelley Blue Book, most salvage cars cost as much as 20 to 40 percent of a car s used value, but again, certain factors also play a role in determining the going rate. Where the vehicle is located, the condition of the car, what year/make/model it is, and the current price of scrap all play a major role in creating an accurate appraisal.

    Here s a breakdown of how these factors play a role in your determining your car s junk value:

    • Location Where you live plays a huge role in what you re able to receive for a junk car. Your proximity to a salvage yard and regional price of scrap play a role in how much you can receive for your vehicle. The popularity of certain vehicles in an area may also affect how much money you are able to make, as certain junkyards will pay more for specific models.
    • Year/Make/Model While there are still many older vehicles on the road today, the demand for parts is not always consistent. For example, hundreds of people still drive Dodge Neons. but the demand for those parts is relatively low, because most of the Neons that are taken off the road are truly at the end of their life. Another thing to consider is how cars change from year to year, and as vehicles become more fuel efficient and environmentally friendly, more plastic may be integrated into the bodies, which decreases the metal weight.
    • Condition This is pretty simple to understand, but it s worth mentioning. If you are driving a pristine, clean, and smooth running junk car, you re more likely to get a little more cash for it. If you re really driving a rusty clunker, then it s going to be bought for its scrap value, rather than the value of its parts.
    • Current Price of Scrap This is probably the most important factor in how much you receive for your junk car, if only because most salvage companies are buying vehicles for the metal value, rather than the parts. If the price of scrap is down, generally you will not be able to receive a high payout for your vehicle, even if it is in generally good condition.

    These factors are not the end-all for determining your junk vehicle s value. With some vehicles, you can potentially get even more depending on the individual components. What we mean is that sometimes the components of a working vehicle can make you more cash than an equivalent junk car that isn t working. Keeping all of this in mind, it s important to do your research before selling your junk car, so you can receive the best price possible.

    Looking to get cash for your junk car? Get a free quote today!



    How much is my car worth? #car #wale


    #how much is my car worth free
    #

    How much is my car worth?

    If you want to get the best deal when you come to sell, it s vital that you find out how much your car is worth.

    Mumsnet Cars Valuations

    Related pages

    Know your market

    Examine the adverts in the publications or websites you’re advertising your car in to confirm your asking price is in line with similar cars. Ask too little and potential buyers may be wary that something is wrong; ask too much and they ll move straight on to the next ad.

    Your car s condition

    If your car is in particularly good nick and has covered fewer miles than average, it ll be worth more; and vice versa. Make sure your price is fair for your car s condition, and bear in mind that you ll be wasting everyone s time if you describe your car as being in better condition than it is: buyers will simply walk away the moment they see it.

    In general, special and limited editions aren’t worth much more than the basic model they were based on unless they’re absolutely packed with extra equipment. Even then, you might only be able to add on a few hundred pounds on.

    Last updated: 5 months ago



    How much is my car worth? (True Market Value (TMV) Car Selling Jeep Liberty) #cheap #cars #for #sale #by #owner


    #whats my car worth
    #

    Question

    Edit Answer (for another 1 minute)

    First off, use the True Market Value tool to “appraise” your particular car, putting in all the options, mileage, trim level, location, color, ect.

    TMV will give you a trade-in value, a private party value and a dealer retail value.

    For some back-up numbers, go to www.autotrader.com. and using their advanced search feature, search nationwide for Libertys with similar mileage and equipment (autotrader search allows you to customize your search).

    Once you get a list of Libertys like yours for sale, scroll to the bottom of the page, and you will see a summary section that shows the number of cars that came up, the highest price, lowest price and average price.

    Now remember, this is average ASKING price, so figure 5-10% lower for “real money”

    in theory, this average price adjusted for real money, should come pretty close to TMV private party numbers.

    KEEP IN MIND that when you use any of these tools, you MUST be sure you are researching your trim level and your mileage. You cannot compare a higher trim level or a car with 50,000 fewer miles.



    How much is my car worth? What Car? #hail #damaged #cars #for #sale


    #whats my car worth
    #

    Buying a car

    Buying A Car – How much is my car worth?

    13 August 2012

    Buying and selling cars can be a smooth and enjoyable process, providing you know what you’re doing – and knowing how much your car is worth is central to that.

    The best way to get a reliable used car valuation is by using the What Car? valuations tool. The service covers all cars sold in the UK from 1998 onwards.

    You can choose between a basic, free valuation, which provides the current average market price based on the age of your chosen vehicle, or an enhanced valuation that takes into account the exact mileage and condition of your car, providing you with an accurate valuation that gives you all the information you need to get the best deal when buying or selling your vehicle.

    Using our valuations tool is easy, too. Simply enter the make and model of the used car you’re interested in buying or selling, before selecting a bodystyle, version and year.

    If you know the registration number, it’s even easier – just type that in and we’ll automatically identify the car. You can then select the mileage and condition of your vehicle, which will be used to calculate the value when you select an enhanced valuation.

    Choose whether you already own the car or if this is a car you’re looking at buying and then click Next Step. You’ll then be asked to sign in. You can create a unique username and password, or log in using popular social media accounts.

    Why do we ask you to sign in? We may use your information to contact you to help you find a new car or sell your old one. This can include targeted information on vehicles suitable for you, an introduction to dealers, details of manufacturers’ special offers, or newsletters and promotional discounts.

    Don’t worry, though, you can unsubscribe at any time by clicking on the unsubscribe link or by using the contact details set out in our privacy policy.

    Once you have created your account, or logged in to the system with an existing account, you’ll be asked to select your valuation package: the free valuation that offers an instant estimated value based on the age and average market price of your chosen make and model, or an enhanced valuation that values the car based on its condition and mileage. The enhanced valuation also comes with a What Car? Valuation Certificate that you can download and print off to use when negotiation a price.

    The next step is to enter your details, which will be stored in your user account so you’ll be able to make subsequent valuations of different vehicles without having to resubmit your details.

    If you’re buying an enhanced valuation, you can pay using credit card or Paypal, then click ‘Get my enhanced valuation and charge me £2.95’.

    If you’re after a free valuation, simply click ‘Get my free valuation’.

    That’s it. You’ll then receive your chosen valuation.

    Half a million used cars are sold each month in the UK, and we keep tabs on market prices through a wide range of used-car outlets, including authorised and independent dealers, manufacturers’ Approved Used schemes, auctions and private transactions. The data is processed and updated daily on a real-time basis – not just during the working week, but 365 days a year.