Top national 5-year CD rates pay %

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Top national 5-year CD rates pay 2.27%

For savers shopping worthy 5-year CD rates, 2016 has been a year of dashed hopes.

Though the Federal Reserve raised interest rates in December 2015, the top yields in the major CD terms didn’t just fail to rise — some actually dropped.

Searching Bankrate’s extensive database of the day’s best CD rates shows that 60-month yields have been hit especially hard, sitting almost two-tenths of a percentage point lower now than in December 2015.

Fortunately, local deals from credit unions and community banks continue to pay up to three-quarters of a percentage point more than the leading national return — over 3% in one instance.

But when will long-suffering savers finally see some improvement among national offers? It depends on how banks react to what we expect the Fed will announce this week. We’ll fill you in on the details.

The top national deals

Today’s top 5-year return sits at 2.27% APY. down from the 2.45% APY you could earn at the time of the Fed’s hike.


The drop in the lead only tells part of the story, because while in December savers could earn more than 2.00% APY from 16 national banks, that had dwindled to just two banks until recently.

Fortunately, the number of national CD offers above 2.00% has since risen to five banks, after a handful of banks increased their long-term rates over the past month.

The current leader, paying 2.27% APY, is still State Bank of India-Chicago. which is a U.S. branch of India’s largest bank and is FDIC-insured. It has held the top spot alone for four months now.

While today’s leading rate is a letdown from last December, it’s good to remember that it’s still high above the term’s post-recession low of 1.75% APY, endured in the spring of 2013.

TOP 5-YEAR CD RATES: Nationally Available Bank Deals

Earning more with local deals

Of course, there are always some lucky savers who can outearn the top national rate with certificates of deposit from a community bank or credit union.

These institutions often offer chart-topping yields to savers who live or work nearby or are willing to jump through a hoop or two.

Here’s a baker’s dozen of worthy deals, paying qualified savers as much as 3.05% APY on 5-year terms. One of the credit unions even accepts members nationwide.

As always on the deals below, eligibility requirements will apply. So contact the bank or credit union directly to determine if you qualify.

TOP REGIONAL 5-YEAR CDS: Credit Unions Community Banks

Ohio, Indiana, Kentucky

Texas, Louisiana, Oklahoma, New Jersey, Alaska

Georgia, Illinois, Iowa, North Dakota, South Carolina, Wisconsin

Waiting for higher returns

If you think you might qualify for any of these deals, they’re worth investigating because they pay about three times more than the current average 5-year return of 0.82% APY. according to our weekly nationwide survey of banks and thrifts.

The average return bottomed out at 0.77% APY in the summer of 2013 and gradually rose to 0.89% APY in spring 2015. But since the Fed’s hike in December 2015, it’s eroded from 0.85% to 0.81% APY.

Rewind to February 2007, before irresponsible mortgage lending led the economy over a cliff. Back then, the national average return for 5-year CDs was 4.02% APY .

But with the financial crisis throwing the economy into a tailspin, the Federal Reserve applied the brakes not only by repressing interest rates to record lows in 2008 but by keeping them anchored there for seven years.

That historic era in the Fed’s timeline officially ended when it made a small rate increase in mid-December 2015.

Although the Fed had indicated it would gradually push interest rates higher over the next several years, global and economic news in 2016 has given the rate-setting committee pause.

Indeed, seven of the committee’s eight 2016 meetings have come and gone without any announcement of a further rate increase.

But at this week’s Fed meeting, most economists and Wall Street forecasters finally expect Hike #2 to be announced.

When that does happen, we hope banks will finally begin to react, as 5-year CD rates could certainly use the boost.

Disclaimer: The rates above were verified Dec. 12, 2016. Credit unions and community banks should be contacted directly to determine eligibility for opening accounts with that institution, as well as to verify current rates.

Yeah, I really wished she specified which credit union accepted nationwide membership.


Life Insurance – Top Ten Questions: Term Life Insurance, best rate term life insurance.

#Best #rate #term #life #insurance


Life Insurance – Top Ten Questions

For additional information, please also visit our Life Insurance Resource Center. Additional Frequently Asked Questions are available by selecting this link.

Term life insurance provides death benefit protection for a period of one or more years. The death benefit of the policy is paid only if the insured dies during that period. If the insured lives beyond the term period, no death benefit is paid. Typically, there are no cash values or loan values for term life insurance.

  1. When should I consider buying a term life policy?

Term insurance is generally used when the need for death benefit protection is temporary or if you are unable to afford the premiums of a permanent life insurance policy. Term insurance typically provides for the largest immediate death benefit amount for each premium dollar. It is appropriate if you are seeking protection for a specific need that will end at a future date such as to pay for a child s college education expenses, to repay a loan or to replace income should death occur prior to retirement.

  • How does term life insurance differ from permanent life insurance?

    Permanent life insurance is intended to provide protection for your entire life. Generally, the premiums for permanent insurance are higher at least initially than for the same amount of term insurance. A portion of the permanent life insurance premium is used to build-up a cash value in the policy. The cash value can be used in a number of different ways including allowing you to take out a loan against the cash value. Term insurance, as described in question one, provides protection only for a specified period of time and typically does not build up any cash value.

  • What are the main types of term life insurance available for purchase?

    In general, there are three main types of term insurance available:

    Level term insurance

    The amount of death benefit protection you purchase will remain the same for the entire term period. The premiums you pay for this level amount of death benefit may also be level for the entire period, may be level only for a specified period, or may increase over time.

    Decreasing term insurance

    The amount of the death benefit protection you purchase will decrease over the term period. Premiums for a decreasing term policy usually remain level throughout the term period. Decreasing term insurance is generally purchased by those who have financial obligations that decrease over time such as a mortgage or a personal or a business loan.

    Annual renewable term insurance

    The amount of the death benefit protection you purchase will remain the same for the term period. The premiums you will pay for this level amount of insurance will increase each year.

  • What is renewable term life insurance?

    Many term life insurance policies are described as being renewable . This feature allows the policy to be renewed for another term period without having to show that the insured is in good health. As long as you pay the premium due, the policy will automatically renew for another term period subject to a maximum age limit. The premium due upon renewal will most likely be higher than the premium you paid for the initial term period.

    In most cases, term policies in New York currently cannot be renewed beyond age 80.

  • What is convertible term life insurance?

    Some term life insurance policies are described as being convertible . A conversion provision allows the owner of the term life policy to convert from the term life insurance policy to a permanent life insurance policy during a specified period of time without having to show that the insured is in good health. The conversion period is shorter than the duration of the term insurance coverage.

  • How long will coverage under a term policy continue?

    How long coverage under a term policy will continue will depend on the type of and duration of the term policy you purchase. For example, if you purchase an annual renewable term policy your coverage may be renewed each year up to a specified maximum age limit. If you purchase a 10 year level term policy you will have coverage for 10 years. If you purchase a 10 year renewable level term policy you will have coverage for 10 years and then have the right to renew your term coverage for another 10 years.

  • Will the premiums due for term life insurance change over time?

    Whether or not your premiums remain level for the entire term period or increase over time will depend on the type of term policy you purchase. Premiums for a term policy may be either level or increasing. Premiums can also be guaranteed in the policy to remain level for a specified period of time and may increase thereafter. In general, for most term policies the premiums will increase over time.

    Some term policies provide for what is known as indeterminate premiums. This means that the policy will set forth a schedule of maximum guaranteed premiums. The insurer can never charge more than the maximum premiums in your policy. However, the insurer intends to charge you what is know as the current premiums which are less than the guaranteed maximum premiums in your policy. Ask to see both sets of rates before you make a purchase.

    Term insurance is very competitive with respect to premium rates. Shop around and compare.

  • Can an insurer cancel term life insurance?

    A term life policy will stay in force as long as you continue to pay the premiums due. If you miss a premium due date you will have a 31 day grace period to pay the premium due. Your policy will remain in force during the grace period.

    An individual term life policy can be canceled by the insurer only for non-payment of premium. If you do not pay the overdue premium payment within the grace period your term policy will terminate. The policy cannot be canceled due to a change in your health status.

    If you purchase term insurance through a group such as an employer-employee group your term coverage may terminate when you are no longer an eligible member of that group e.g. your employment ends. Be sure to read the termination provision of your group term life certificate.

    A Return of Premium feature is a feature that has recently become popular and may be offered in conjunction with term life insurance coverage. The return of premium feature will generally provide for a refund of all or some of the premiums you paid for the term insurance at the end of a level term period or at end of the term coverage period if no death benefit was paid out during that period. The parameters of the return of premium feature will vary depending on the term life insurance policy you purchase. The return of premium feature can be offered by a separate rider to the term life policy for an additional cost. The return of premium feature may also be a provision within the term life policy. Term life policies with this feature will be more expensive than a term life policy that does not offer this feature. You should consider whether the return of premium benefit is worth the extra cost.

  • What premium mode should I choose when purchasing term life insurance?

    Most companies offer a variety of premium modes including annual, semi-annual, quarterly or monthly. In deciding which premium mode to choose you should consider the following:

    If you choose to pay an annual premium and then decide to terminate your policy before the end of the year, the insurer is not required to refund any portion of the premium paid.

    Generally, there is a higher cost associated with more frequent premium modes. Ask your agent or the company for a comparison of the different premium modes and the costs associated with each before making your purchase.

    Best rate term life insurance




  • AARP Life Insurance Program from New York Life, online life insurance rate.

    #Online #life #insurance #rate


    The Only Life Insurance Program

    Just for AARP Members

    The AARP Life Insurance Program from New York Life: Affordable coverage from a name you can trust. Because at this stage of your life, you deserve added peace of mind.

    Life Insurance »

    The AARP Life Insurance Program from New York Life Insurance Company offers members both term and permanent group coverage. No physical exam is required. For most products, acceptance is based on your health information. Find out which coverage is right for you.

    Customer Service »

    Access your account online to make payments, manage beneficiaries and more. Click the button below to log in or set up online access if you haven’t yet enrolled.

    From New York Life, Endorsed by AARP

    The AARP Life Insurance Program is endorsed by AARP, a nonprofit membership organization that helps people 50 and over improve the quality of their lives.

    Call a New York Life Representative

    Life Insurance: 1-800-865-7927 Monday – Friday: 8 a.m. to 8 p.m. (ET)

    Saturday: 9 a.m. to 5 p.m. (ET)

    Get Started Today!

    -LIFE INSURANCE-

    Level Benefit Term

    Permanent

    Guaranteed Acceptance

    Young Start

    Learn More About Life Insurance

    Quick Links

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

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

    The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. AARP membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Group policy forms AA-08, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT).

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

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

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

    © 2018 New York Life Insurance Company. All rights reserved.

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

    Online life insurance rate


    Car Insurance Rates Mobile Form, cheap car insurance rate.

    #Cheap #car #insurance #rate


    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


    About Us – Telco Solutions Ltd

    #telecom #consultant, #telcom #consulting, #voice #termination, #wholesale #voice, #premium #rate #numbers, #international #premium #rate #numbers, #toll #free


    Telco Solutions is a pioneering telecom service provider in Hong Kong. we are dedicated to offering top-quality international voice and innovative data services for our customers in Hong Kong and overseas.

    Telco Solutions has continuously expanded its business coverage by investing in both local and international network infrastructure, and establishing bilateral partnerships with hundred carriers.

    These international linkages allow our customers to enjoy the global reach with quality connectivity and stability.

    Our reach is global. Our network is constantly evolving to be at the forefront of technology. We bring innovative services to both our retail and wholesale customers.

    Driven by this spirit of innovation, we are witnessing the transformation of our legacy voice network into a Next Generation Network (NGN).

    At the international level, our connectivity is as diverse as our cultural heritage, with our 24 direct links spanning the five continents, Africa, Europe, Asia, America and Australia.

    Our international routing diversity through cable and satellite, our ability to guarantee CLI delivery to mobile networks, and our ability to provide very high ASR/ ALOC standards on our routes are some of the factors which make us the one of the best carrier in the Indian Ocean.


    Calcolo della rata del mutuo, calcolare rate mutuo.

    #Calcolare #rate #mutuo


    Calcola la rata del mutuo

    La nostra calcolatrice utilizza la formula dell’ammortamento alla francese per calcolare la rata del mutuo. Il software inoltre effettua una simulazione del vostro piano di ammortamento.

      Ultime News
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    Istruzioni d’uso Importo del mutuo: Inserire l’importo del mutuo richiesto o che vorreste richiedere Tasso di interesse: Nel caso del calcolo di un mutuo a tasso fisso inserite il tasso di interesse annuo (TAN) , nel caso di calcolo di mutuo a tasso variabile inserite il parametro Euribor e sommate lo spread.

    Perchè scegliere Calcoloratamutuo.org ?

    Quando si sta valutando la richiesta di un mutuo o si deve decidere se modificare il contratto già esistente, non ci si può affidare al “caso”. Un mutuo, qualora fosse accordato, porterà infatti ad un impegno, con un conseguente esborso, per un periodo di tempo medio-lungo.

    Questo potrà andare a incidere anche sulla qualità della vita che si avrà negli inevitabili cambiamenti (personali o professionali) che in un decennio, ventennio o trentennio, si potranno verificare. Ovviamente non si possono andare a preventivare tutti i possibili scenari, ma l’uso di appositi tool di calcolo, come il calcola rata mutuo, potrà servire sia per fare delle simulazioni che delle valutazioni di sostenibilità più approfondite.

    Nel web si trovano tantissimi strumenti che assolvono a questo tipo di funzione. Pensare però che siano intercambiabili o addirittura sovrapponibili è un errore. Perché l’uso di questi programmi sia effettivamente utile e funzionale bisogna per prima cosa valutarne il funzionamento ed il tipo di servizio che di fatto propone, guardando ai seguenti aspetti:

    1. il tipo di ammortamento utilizzato: tutte le banche e le finanziarie che concedono mutui (Bnl, Intesa SanPaolo, Unicredit, Ubi Banca, Bcc, ecc) utilizzano l’ammortamento alla francese. Quindi ci si deve affidare a software che utilizzano questo tipo di calcolo per gli interessi. Questo dato deve essere specificato, qualora non lo fosse, allora si deve cercare un altro calcola rata;
    2. la possibilità di ottenere un piano di ammortamento personalizzato sull’importo richiesto e sul tasso indicato: tali informazioni permettono anche di vedere se si è arrivati ad un punto in cui sia meglio rinegoziare, sostituire, surrogare o estinguere il mutuo esistente;
    3. simulazione e comparazione su prodotti che utilizzano tassi diversi (ad esempio il misto, variabile o fisso). Adottando tassi differenti i mutui non sarebbero direttamente confrontabili, ma possono esserlo tramite il confronto dei piani di ammortamento ottenuti. Inoltre è utile sfruttare un calcola rata del mutuo per poter valutare la “convenienza” tra un tasso variabile con cap (usando il tasso massimo del cap per fare la simulazione) e un tasso fisso o variabile puro;
    4. valutazione della durata massima “accettabile” senza rinunciare alla maggiore convenienza.
    5. Per quanto riguarda quest’ultimo aspetto spesso si preferisce una rata del mutuo quanto più possibile facile da rimborsare, accettando di allungare la durata del piano di ammortamento di “qualche anno”. Un atteggiamento superficiale che sottovaluta l’impatto negativo che si avrà sul monte interessi passivi. Facendo una semplice simulazione, preferibilmente confrontando i differenti piani di ammortamento, ci si renderà invece conto che scegliendo di pagare qualche decina di euro oggi, si risparmieranno svariate migliaia di euro un domani.

    Calcolatori online indipendenti vs comparatori o software “brandizzati”

    Ovviamente l’uso di un calcola rata mutuo indipendente permette un impiego più ampio, non avendo presettaggi di tassi di interesse che non possono essere modificati, e offrendo maggiore libertà anche nell’inserimento delle durate. Un tool non brandizzato permette anche di valutare l’utilità di un’estinzione parziale, potendo scegliere anche il momento migliore per poterla effettuare. Discorso replicabile anche nel caso dell’estinzione totale.

    Problemi o suggerimenti ? Contattaci: Sulla privacy Cookie Policy – Partners


    Term Insurance Calculator – Term Life Insurance Premium Calculator 2018, term life insurance rate calculator.

    #Term #life #insurance #rate #calculator


    Term Insurance Calculator

    Term life insurance rate calculator

    What is Term Insurance?

    Term insurance, a type of life insurance, provides coverage for a certain period of time or years. If the insured dies over the policy tenure a death benefit (or sum assured) is paid out. No payout is made if the insured survives the tenure.

    The purpose of taking life insurance is to provide life cover to the policyholder and financial security to his family.

    There are two ways the individual can take life insurance:

    1. By opting for a pure life cover, also known as term insurance

    2. By taking life cover with a savings component built-in also called endowment insurance

    Why Term Insurance Is Better

    Term plans provide pure life cover. This means there is no savings / profits component. They are basic plans which make life insurance more affordable vis-Г -vis other options. It is possible for the policyholder to opt for a larger life cover at a lower premium when compared to a similar endowment plan.

    The premium in the term plan could vary from one company to another and as the tenure of your policy increases, the premium for the same sum assured increases. The eligibility criterion for term insurance plan varies according to the insurers, the minimum age of entry is 18 years and the maximum age limit is 65 years. The premiums for Term insurance policies are the lowest among all the types of life insurance policies. The premiums are low since there is no investment component and the entire premium goes for covering the risk. So if the policy holder expires during the insured term, the death benefit is paid to the nominee. There is no survival or maturity benefit once the policy term expires. There may be some plans that offer to return the premiums paid by the policy holder if he survives.

    Term Insurance Calculator

    A term plan calculator is a specially designed tool that helps you calculate the required life cover in order to get a desired sum assured for you. This calculator, which helps you to calculate the exact premium for the desired life cover for you, is available on the website of all life insurance companies and comes handy when you are buying a term insurance plan. Remember, in a term plan, life cover is the most important part as this is the amount your nominee gets in case of your sudden death.

    Benefits of a Term Plan Calculator

    1. Comparison of various plans in once place

    Insurance Companies usually offer more than one term plan suiting the different needs of the customer. Using the term plan calculator you can compare the various plan features and premiums and select a plan suitable to you. If you visit an insurance comparison website, you can use the term plan calculator even for comparing premiums and plans of various insurance companies in one place.

    2. Time saving and hassle free

    As you are comparing the term plans online; there is no need to submit any document. You get the quote within minutes and take a quick decision whether to buy or not.

    Once you have compared the premiums using the term plan calculator, you can also buy the term plan online. Buying online is cheaper as the premiums are less due to non-involvement of any intermediary

    How to use a Term Plan Calculator?

    1. First, you need to enter your personal details like, name, date of birth, gender, income, marital status and your family structure etc.

    2. The next step could be answering your and family health related questionnaire. Apart from this, you may be asked to enter your PAN, Aadhaar and bank details.

    3. The third step could be entering the sum assured you want, period of life cover and the premium paying mode, whether monthly, quarterly, half yearly and annual.

    4. Once you know the premium, you can buy the term plan using your net-banking facility or debit card.

    The above is just an example of the steps involved but the same may vary from company to company.

    Benefits of a Term Insurance Plan

    If you can use the term plan calculator well, then you can get the highest sum assured or life cover in lieu of a low premium. Though the amount of premium depends on, if you are a smoker, how is your health history, sum assured and tenure of the policy, the premium of term plans are cheaper than other plans as there are no ancillary benefits attached to it. On comparison with the premiums of conventional or traditional plans, it has been found that the term insurance premiums are the cheapest.

    Term Plans can be taken for shorter tenure also. For example – you have taken a home loan of Rs.75 Lakhs for 15 years. In this case, you can take an additional life cover through a term plan equal to the amount of home loan. This ensures that your family could repay the loan and retain the house in case of your sudden demise.

    You can take a term plan up to the maximum age of 75 years. With growing life expectancy rate in India, term plans help you in protecting the financial future of your family even when you are quite aged.

    A tax rebate on the premiums paid for the term plan, up to Rs.1, 50,000 in a FY, can be availed under Section 80C of the Income Tax Act 1961. The maturity benefits paid (in case of term plans with return of premium option) and also the claim amount (if any, received by your nominee) is also tax free under Section 10 (10D) of the income Tax Act 1961.

    Term plans are simple product to protect the financial future of your family. Using the term plan calculator, you can compare and buy the right term plan with low premium for a long period of time.


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, automobile insurance rate.

    #Automobile #insurance #rate


    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

    You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

    Personalized attention

    Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

    Insight and guidance

    Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

    Convenience

    Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

    Smart savings

    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.


    ABE, 10-Year 10, term life insurance rate table.

    #Term #life #insurance #rate #table



    Please Confirm Before Proceeding

    Founded by the ABA in 1942, the American Bar Endowment is a 501(c)(3) not-for-profit organization composed of Members of the American Bar Association. ABE makes annual grants to the American Bar Foundation and ABA Fund for Justice and Education to fulfill ABE’s charitable purpose of improving the administration of justice, one of our profession’s highest obligations, by funding research, public service and educational projects in the field of law. ABE also maintains a Legal Legacy Fund for the permanent support of its grantees. By participating in the Endowment’s insurance programs, designed for and available only to ABA Members, Members can contribute to these efforts. Attorneys who enroll in ABE-sponsored insurance programs agree that their share of any experience credits paid on the policies may be retained by the Endowment for its charitable purposes unless reclaimed as outlined below. The Internal Revenue Service has ruled that Members who leave their experience credits with the Endowment are eligible for a charitable contribution deduction on their individual income tax returns.

    Members who donate experience credits to ABE make a difference. These funds, after administrative expenses, are the primary source of ABE’s charitable grants and additions to the Legal Legacy Fund. Insured Members who donate experience credits help meet their professional and public responsibilities, as well as obtain valuable coverage for their families. About 85% of Members donate their experience credits; these Members are notified each year by late January of the amount, if any, of their experience credit donation for the prior year. (Experience credits are not guaranteed, and in any given year, a given plan may not pay experience credits; experience credits will vary from year to year.)

    Members who wish to request a refund of their experience credits may do so. The approximate percentage of premium available for refund (if any) on each plan will be published in each November issue of the ABA Journal. You do not need to wait for this information as refund requests are accepted beginning January 1. To request that experience credits be paid to you rather than donated to ABE: After the first policy year of your participation, a written request for refund (by mail, fax, or e-mail to [email protected]) must be made each year and must reach the Endowment by December 15. When ABE receives your refund request, it will send a confirmation. Retain it for your records as proof your request was timely received. If you do not receive a confirmation within 3 weeks, contact the ABE promptly to obtain another copy. (Special instructions for new applicants are contained in the application and apply to experience credits, if any, during the first policy year only.)

    Experience credit checks and/or contribution notices for your tax return are mailed by late January. If you receive a contribution notice and you did not intend to make a contribution, you may request a one-time waiver of the December 15 deadline by asking for a refund, if you have not previously requested such a waiver.

    Please note: Members who do not want to contribute experience credits to ABE must make a written request for refund each year, using the procedures above. When Members sign the application, they are agreeing to make an annual decision whether to contribute. Do not sign the application if you do not agree with these procedures.

    I have read the Experience Credits Assignment – ABE’s Unique Charitable Giving Feature

    Then choose the Disability Plan that you wish to apply for:



    Current Auto Loan Interest Rates, car loan interest rate.#Car #loan #interest #rate


    Current Auto Loan Interest Rates

    Estimate your monthly payment with a car loan calculator.

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    Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

    Our tools, rates and advice help no matter where you are on life’s financial journey.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

    2017 Bankrate, LLC All Rights Reserved.



    Compare Auto Insurance Rates In Minutes, Progressive, compare car insurance rate.#Compare #car #insurance #rate


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    Compare Car Insurance Rates

    See how our auto insurance rates stack up against others’

    Compare auto insurance rates in just a few minutes

    It’s the smart way to shop: pick the coverages you want, then compare car insurance rates for the exact same coverages at a handful of companies. It’s fast. It’s easy. It’s all online. Try it now to find your best rate. If you’re looking for even more savings, then check out our auto insurance discounts.

    Start a quote and compare rates in a few simple steps

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    Fine-tune a policy

    Get a car insurance quote and then pick the coverage package you want to use to compare insurance rates.

    Compare rates

    After you answer all the questions for your quote, we’ll show you our rate first. Then look for the compare rates callout to see rates from other insurers.

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    With all the prices in front of you, your biggest insurance savings stand out and the winner is clear.

    Two ways to quote. Tons of ways to save.

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    Copyright 1995 – 2017. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy. Prices for policies sold through agents and brokers are available from them and through progressive.com/agent.

    Learn more about comparison rates , which are available from Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product and Progressive Direct’s credit evaluation, and do not include prices and products available from Progressive agents. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.



    The Consumer Perils Of A Car Title Loan #title #loans #interest #rate


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    The consumer perils of a car title loan

    Is it worth the risk of losing your car for a loan that charges 300 percent interest?

    That s what s at stake when you take out a car title loan, a lending tool in which an individual uses his car as collateral to borrow money. But despite the potential long-term risks, it s a less-known form of subprime lending.

    Subprime loans, such as adjustable rate mortgages and payday loans, have come under the scrutiny of lawmakers and financial watchdogs in recent years. Yet the auto title loan has flown under the radar, and consumers in 21 states have come to rely on them when they run out of conventional lending options, according to a report by consumer groups earlier this year.

    Consumer groups criticize auto title loans for exposing the borrower to triple-digit annual interest rates and balloon payments that come due within a month. Worse, your car is on the line.

    We consider these loans to be a triple threat for borrowers, says Ginna Green, spokeswoman for the Center for Responsible Lending in Durham, N.C.

    Auto title loans are typically advertised as short-term loans for individuals who need money quickly but have been turned down for conventional loans. Still, borrowing this money can come at a steep cost. For some borrowers who put up their car as collateral, they re gambling their only remaining asset.

    In addition, a person receiving a $1,000 loan might pay more than twice that in interest on a typical car title loan. And the loan amount is usually far less than what the car is worth. The median loan amount is $845, while the median car value in the loan is $3,150, says Tom Feltner, director of financial services for the Consumer Federation of America in Washington, D.C.

    We view extremely high-cost loans in and of themselves as harmful to consumers. You re paying a significant amount in interest that can t go toward other expenses like housing, food, medical care and other necessities, he says.

    One of the fundamental problems with car title loans is they don t factor in the borrower s ability to repay the loan, Green says.

    With most conventional loans, the lender considers the borrower s entire financial picture income, credit, debt to ensure the person can actually afford the payments. Car title lenders don t do that, Green says. They get a lot of folks trapped in debt, and to the point where they ve got their family vehicle on the hook.

    Hidden fees and consequences

    Borrowers who take out auto title loans don t always read the fine print, which can contain hidden fees and repossession stipulations, says Trenton Grand, attorney with Grand Law Firm, a Louisiana-based bankruptcy firm.

    The lender might require that the customer provide a copy of the keys. Some even go so far as to put GPS tracking devices in the car that can locate and, in some cases, disable the vehicle if a payment is late, Grand says.

    Talk about putting someone in a bad predicament if (he or she) has a child or needs the vehicle for health reasons, and the vehicle is disabled, Grand says.

    Green says a borrower who defaults on a car title loan might be subject to repossession fees of $350 to $400 in addition to paying back the outstanding balance on the loan.

    The contract text can conceal other fees, such as credit insurance, life insurance or even insurance to cover when your car breaks down, Grand says.

    The loan s terms increase the likelihood that the debtor won t be able to pay back the loan or, worse, will default and lose their vehicle.

    Lawmakers overlook loans

    Compared to other subprime lending forms, car title loans have maintained a relatively low profile because so much attention has been gone to their cousin, the payday loan, Green says. As a result, there hasn t been much legislation to regulate auto title loans.

    That doesn t mean this is an issue we shouldn t pay attention to, she says.

    In February, the Center for Responsible Lending and the Consumer Federation of America issued a report on car title loans and their impact on consumers. Among the report s findings:

    • About 1.7 million car title loans originate every year.
    • The average car title customer pays $2,142 in interest on a $951 loan and renews the loan eight times.
    • About 7,730 car title lenders operate in 21 states, charging borrowers $3.6 billion in interest on $1.6 billion in loans each year.
    • A typical borrower receives cash equal to 26 percent of a car s value and pays an annual percentage rate of 300 percent.

    Lender defends practice

    Fred Winchar is well aware of his industry s reputation as a source of predatory lending. Winchar is president of Illinois-based QuadW International and Max Cash Title Loans. He blames mom and pop lenders with questionable business practices for giving the industry a black eye early on.

    In any industry, there are bad eggs. And because they re so bad, they become the thing to look at instead of all the guys who are doing the good things, Winchar says.

    When the auto title loan industry started about three decades ago, it was full of small businesses that sought to make money by repossessing people s cars, Winchar says. Since then, his and other larger companies have shifted their business practices away from the repo model and toward lower interest rates and amortized loans. Although unethical car title lenders still exist, Winchar says their numbers are shrinking.

    When you talk about the industry being predatory, I agree. At one point, it was really predatory. Now, it s competitive, he says.

    Winchar says his industry fills a need for consumers who have tried to obtain a traditional loan only to be rejected.

    Alternative borrowing options

    Consumer advocates maintain that conventional loans are always going to be the ideal scenario. But if an individual is shut out of the conventional loan market, there are other options, Green says.

    I would recommend that folks do what we did 25, 30 years ago, before these products existed, Green says.

    That means turning to personal lending sources. Consider asking your employer for a paycheck advance or talk to family or friends about a personal loan, Green says. Religious institutions and community groups might also be able to offer financial help. Although it s not something they publicize, these groups often maintain emergency funds for people in need.

    Credit unions are another option. Many offer small-dollar loan products at interest rates that are more reasonable than what an auto title loan would offer.

    If you are saddled with a car title loan, the best course of action is to pay it back as fast as you can to reduce interest payments, Green says. It also helps to learn whether loans are illegal or limited in your state. If you got a triple-digit-rate loan but you live in a state with a rate cap, I would see an attorney because chances are that loan is not valid, she says.

    Consumer advocates say it s best to avoid auto title loans.

    People feel that car title loans and payday loans are part of their financial-services options, Green says. The problem is that they really shouldn t be. They re faulty products that are in the marketplace.



    What is Multivariate Testing? #ab #test, #split #test, #multivariate #testing, #conversion #rate, #experience #optimization


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    What is Multivariate Testing?

    Multivariate Tests Defined

    Multivariate testing is a technique for testing a hypothesis in which multiple variables are modified. The goal of multivariate testing is to determine which combination of variations performs the best out of all of the possible combinations.

    Websites and mobile apps are made of combinations of changeable elements. A multivariate test will change multiple elements, like changing a picture and headline at the same time. Three variations of the image and two variations of the headline are combined to create six versions of the content, which are tested concurrently to find the winning variation.

    The total number of variations in a multivariate test will always be:

    [# of Variations on Element A] X [# of Variations on Element B]. = [Total # of Variations]

    In the example below, the headline and image are tested in combination, with a baseline and one variation for each element generating four total variations for the experiment.

    The process of running a multivariate test is similar to A/B split testing. but different in that A/B testing only tests one variable. In an A/B test, a minimum of one variable is tested to determine the effect of a change to one variable. In a multivariate test, multiple variables are tested together to uncover the ideal combination that is effective in improving the ultimate goal.

    Benefits of Multivariate Testing

    Using multivariate testing can be helpful when multiple elements on the same page can be changed in tandem to improve a single conversion goal: sign ups, clicks, form completions, or shares. If conducted properly, a multivariate test can eliminate the need to run several sequential A/B tests on the same page with the same goal. Instead, the tests are run concurrently with a greater number of variations in a shorter period of time.

    Downsides of Multivariate Testing

    The most difficult challenge in executing multivariate tests is the amount of visitor traffic required to reach meaningful results. Because of the fully factorial nature of these tests, the number of variations in a test can add up quickly. The result of a many-variation test is that the allocated traffic to each variation is lower. In A/B testing. traffic for an experiment is split in half, with 50 percent of traffic visiting each variation. In a multivariate test, traffic will be split into quarters, sixths, eighths, or even smaller segments, with variations receiving a much smaller portion of traffic than in a simple A/B test.

    Before running a multivariate test, project the traffic sample size that you will need for each variation in order to reach a statistically significant result. If traffic to the page you would like to test is low, consider using an A/B test instead of a multivariate test.

    Another challenge of multivariate testing is when one or more of the variables being tested do not have a measurable effect on the conversion goal. For instance, if variations of an image on a landing page do not affect the conversion goal, while modifications to a headline do, the test would have been more effective run as an A/B test rather than a multivariate test.

    Examples of Multivariate Testing

    Common examples of multivariate tests include:

    • Testing text and visual elements on a webpage together
    • Testing the text and color of a CTA button together
    • Testing the number of form fields and CTA text together

    Using multivariate testing as a method of website optimization is a powerful method of gathering visitor and user data that gives detailed insights into complex customer behavior. The data uncovered in multivariate testing removes doubt and uncertainty from website optimization. Continuously testing, implementing winning variations and building off of testing insights can lead to significant conversion gains.

    Hi Optinaut. let s talk



    Fixed Rate vs #fixed #rate #mortgage #definition


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    Fixed Rate vs. Adjustable Rate Mortgages

    Before choosing a mortgage, you need to understand the differences between mortgage types: fixed rate mortgages, adjustable rate mortgages, and interest-only mortgages, to name a few.

    Fixed Rate Mortgages

    With a fixed rate mortgage, the interest rate and the amount you pay each month remain the same over the entire mortgage term, traditionally 15 or 30 years. You can use Nolo’s fixed rate mortgage calculator to figure out your payment. Lenders may also offer variations on fixed rate mortgages, including five- and seven-year fixed rate loans with balloon payments at the end. (Nolo also offers a balloon payment calculator .)

    Adjustable Rate Mortgages (ARMs)

    With an adjustable rate mortgage (ARM), the interest rate fluctuates according to the interest rates in the economy. Initial interest rates of ARMs are typically offered at a discounted (“teaser”) rate that’s lower than the rate for fixed rate mortgages. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down.

    Different ARMs are tied to different financial indexes, some of which fluctuate up or down more quickly than others. To avoid constant and drastic changes, ARMs typically regulate (cap) how much and how often the interest rate and/or payments can change in a year and over the life of the loan. Use Nolo’s adjustable rate mortgage calculator to figure out your payment.

    Over the years, a number of variations have been made available for adjustable rate mortgages, including hybrids that change from a fixed to an adjustable rate after a period of years, or “option ARMs” that allow you to choose, on a monthly basis, whether to pay a minimum amount, an interest-only amount, an ordinary principal plus interest amount, or an accelerated payment amount. However, with the recent credit crisis, many of these variants have disappeared — especially for the very people who desire them most, those with low income and assets.

    Interest-Only Loans

    During the real estate boom years of the late 1990s and early 2000s, “interest-only” loans became a popular option. These allowed the borrower to pay only the interest amount each month — not any principal — for the first several years of the loan. The advantage, of course, was that these loans lowered the homebuyer’s initial monthly payments significantly, allowing someone to afford more house. But a lot of people got themselves into trouble with these loans. Eventually, the borrower must pay off the loan balance. The shift in monthly payments can be a shocker — and refinancing becomes impossible if the house has gone down in value such that it’s worth less than the amount owed on it. Interest-only loans are virtually unavailable now, and you’d be wise to avoid them anyway.

    How to Choose the Best Mortgage

    Because interest rates and mortgage options change often, your choice of mortgage type should depend on:

    • the interest rates and mortgage options available when you’re buying a house
    • your view of the future (generally, high inflation will mean ARM rates will go up and lower inflation means that they will fall)
    • your personal financial and investment goals, and
    • how willing you are to take a risk.

    When mortgage rates are low, a fixed rate mortgage is the best bet for many buyers. Over the next five, ten, or 30 years, interest rates are more apt to go up than further down. Even if rates could go a little lower in the short run, an ARMs teaser rate will adjust up soon and you won’t gain much if you plan to stay in the house more than a few years (the broker can tell you your break-even point). In the long run, ARMs are likely to go up, meaning many buyers will be best off locking in a favorable fixed rate now and not taking the risk of much higher rates later.

    To tie it all together, Nolo’s free mortgage comparison calculator allows you to enter the terms (rates, points, closing fees) of up to three different mortgages to compare their value (total payments, taxes saved, and present value).

    Refinancing Options

    When making a choice between types of loans, always keep in mind that you may not keep it for its full term. For example, if you take out a fixed rate loan now, and several years from now interest rates have dropped, refinancing may be an option (assuming your house hasn’t dropped in value, in which case the lender won’t accept it as collateral for the refinanced loan).

    There are several downsides to refinancing, however. For one, if you default on a refinanced mortgage, your position under your state’s law might worsen. In some states, when a homebuyer defaults on a new home loan (stops paying the mortgage), the lender can foreclose on the house but take nothing else from the homebuyer, while on a refinanced mortgage the lender can go after the homebuyer’s cash and other assets, after the house, to satisfy the debt.

    Also, unless you can negotiate a low-cost refinance, you may have to pay the same fees and points as for an original mortgage. This means you may reduce your monthly payment right away but not actually begin to save money on the refinance for several years.

    Another issue is that by refinancing, you stretch your mortgage term back out to another 30 years (or whatever the new loan’s term). That looks like a good deal in the short term, as your monthly payments go down. But it’s an artificial savings, given that the amount of interest you end up paying overall to buy your home can go way up this way. Compare your total interest payments to see the effect. Then seriously consider adding to your monthly payments in order to stick to your original end date, which should cure this issue.

    To determine when you’ll break even on points and costs, as well as what your total interest payments will be, use Nolo’s refinancing calculator. If you think you’ll be moving again soon, a refinance may not make sense. See Nolo’s article Refinancing Your Mortgage: When It Makes Sense for more information.

    For More Information

    For a guide that will help you select the right house, the right mortgage, the right agent, the right inspections, and much more, get Nolo’s Essential Guide to Buying Your First Home . by Ilona Bray, Alayna Schroeder, and Marcia Stewart (Nolo).

    Talk to a Real Estate attorney.



    Private Health Insurance – Get Free Private Medical Insurance Quotes #private, #health, #insurance, #medical, #healthcare, #quote, #rate, #hmo, #ppo, #pos, #individual, #family, #secure, #best, #online, #quotes, #affordable, #cheap, #privatized, #care, #price


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    Affordable Healthcare

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    Private Health Insurance, Fast Easy!

    Looking for private health insurance can feel a little overwhelming when you’re first getting started. However, with our helpful guides and friendly professionals, you will be on your way to obtaining the right private health insurance for you and your family.

    Holding some type of insurance is extremely important, but there are many reasons that insurance may lapse. If you are not insured or you’re planning on switching your current health insurance to a private plan, there is different information you need depending on your situation. There are many reasons as to why you may be looking for private insurance including the following:

    • Your old plan has lapsed, or the premium has grown too high.
    • You’ve recently changed jobs and are no longer covered by an employer plan.
    • You’ve experienced a recent medical crisis and want to make sure you’re covered for the future.
    • You have just become pregnant, or plan to become pregnant soon.
    • You are a new parent interested in obtaining private health insurance for your child.

    Lapsed Plan

    If your old insurance plan has lapsed, or the premium has grown too high, you may be searching for a better option. There’s a variety of different health care options available to the consumer and the needs of the individual is usually the deciding factor on which one to go with. If your premium is now out of your budget, you can request quotes from other companies and even call the insurance company to find the plan that’s right for you. More on quotes later.

    Loss of Employer Health Insurance Plan

    This economy has been tough on everyone and layoffs or restructuring within a company has become common practice. Because of that, individuals and families are increasingly finding themselves joining the forty-six million Americans with poor coverage health insurance, or no insurance at all. However, just because you’re between jobs doesn’t mean you or your family can afford to be between insurance plans. Searching the private sector for a plan that’s right for you, or for your family, is a feasible short-term solution that could turn into a long-term lifestyle choice.

    Preexisting Condition

    Possibly you’re looking at getting a private health insurance plan because some or all of the above has befallen you, and to top it off, an unforeseen medical crisis struck. It could be a developing case of diabetes, or a gallbladder procedure that had to be performed immediately. Either way, you’re now in a situation where you have a preexisting condition and need to find some way of getting coverage so you don’t face the same hardships in the future. Finding a plan that covers a preexisting condition is no walk in the park, but it can be done. Some states do not allow insurance companies to discriminate against people with preexisting conditions. New York and Massachusetts, for instance, have a no tolerance policy on discrimination, and no person seeking health insurance can be turned down based on a preexisting condition.

    Pregnancy

    If you’ve recently become pregnant, or are planning to become pregnant, health insurance is an absolute must for you and your unborn child. Medical bills will become astronomical in a very short amount of time as having a child is one of the most rewarding, but expensive experiences we can have. The private sector is a great place for pregnant women to investigate keeping themselves, and their unborn child, covered.

    Children’s Coverage

    If you’re the parent of a child who is not insured, and perhaps have already looked at government insurance options and found that you do not qualify, or are simply looking for a higher level of care, private health insurance may be the best bet for your child’s health and well being. Remember, it’s imperative that you not put off the search for your child’s health care. Doctor visits are required for an infant, and they will continually pile up even if your child is fortunate enough not to develop any serious illnesses. If your child were to become ill it may count as a pre-existing condition and make acquiring health insurance more problematic.

    Beginning the Search for the Right Insurance

    Before you get into the complex issues, you must first shop around for health insurance. The best way to do this is by looking for a number of private health insurance companies that meet your requirements. There are three specific types of health insurance plans – HMO, POS, and PPO.

    HMO – Health Maintenance Organization

    HMO stands for Health Maintenance Organizations and is probably the term the average consumer has heard thrown around the most in the health insurance game. HMO members pay a monthly premium and in exchange the HMO provides care for a family or individual including doctors’ visits, emergency care, surgery, hospital stays, lab tests, and x-rays. Traditionally, HMOs require a co-payment for doctor’s visits, ranging from $5 to $40 depending on the nature of the visit. The total cost of your medical care is likely to be lower with an HMO than any other type of plan.

    Because HMOs provide full care for your medical needs, it behooves them to make sure you get preventive care so you do not become seriously ill. Many HMO plans will cover maintenance exams such as mammograms, well-baby checkups, and regular physicals. Range of coverage does vary from plan to plan, however, so you need to thoroughly research your needs and compare with the plans in your price range.

    Nearly all HMOs either assign or allow you to choose one primary care doctor. This doctor then sees you whenever you require care and refers you to other specialists as needed. It is unlikely that you would be authorized to see a specialist without having first seen your primary physician and some people can find this limiting.

    For those who decide an HMO plan is not right for them, there is a POS plan.

    POS – Point of Service

    POS stands for Point-of-Service and is similar to the HMO in almost all features, but allows for more freedom for referrals, both from their primary care physician, and their own judgment. A coinsurance fee is likely still required if you used a provider outside your POS plan.

    PPO – Preferred Provider Organizations

    PPO stands for Preferred Provider Organizations and is the last, and most user-friendly, type of insurance. Like an HMO, you still have to choose from a pre-approved list of doctors and hospitals, but unlike the HMO you are not required to use a primary physician for all other referrals. When you visit one of your providing doctors most of your medical bills taken care of by your plan.

    Also like the HMO, you will show your insurance card at the front office of your doctor and should not have to fill out any forms. There is customarily co-pay in the same range as the HMO for each visit. Some services not covered by your plan may require a deductible or coinsurance.

    Like the POS, the PPO allows you to use doctors who are not part of your approved network of physicians and still receive some coverage. You will be made to pay a larger chunk of your medical bill as well as fill out claims forms, but some people prefer the room to choose. It is also desirable to be able to keep your current doctor even if that doctor is not a part of your insurance plan’s network.

    Now, you know what kinds of plans are out there. It is now up to the consumer to decide which plan best fits their or their family’s lives and then go about getting the best quote for their lifestyle. Visit the websites of any and all private health insurance providers you’re interested in – nearly every one of them should have a ‘free quote’ offer that will either provide you with a dollar amount via email or telephone after filling out a brief application.

    By simply typing in your age, zip code, and what type of health you’re currently in, you will be able to get an idea how much health insurance is going to cost you. Your premium may range from $100 to $1000 per month, and that’s not including family plans. Once you’ve browsed through a few quotes, you may find yourself feeling overwhelmed, but this is one of the most important decisions you’ll ever make, and it is imperative that you weigh your options carefully. Consult friends and family about your quotes if you don’t understand them and above all else, take the time and effort such an important decision requires. It’s always not easy, but insuring your health and well-being is worth it.

    To make finding the health care plan that is right for you easier, consult a friendly, knowledgeable professional. They will be there to explain the plans so they make sense and answer any of your questions. Simple fill out the basic form and helpful insurance agents will contact you with plans that will fit your needs at a price you can afford. If you live in the UK and need affordable private health insurance cover visit privatemedicalinsurance.co.uk

    Family Health Insurance Network



    Best Banks with the Highest Interest Rate for Savings Account, highest money market rate.#Highest #money #market #rate


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    Best Banks with the Highest Interest Rate for Savings Account

    Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. Many banks and credit unions offer a variety of savings and money market accounts, and this article aims to help you find the highest interest rate for this type of deposit account.

    Of course, a high-interest rate is not the only factor to consider when selecting an account. This article will help you choose the best deposit account for your specific needs.

    How to Find the Best Money Market and Savings Interest Rates

    Finding the best savings account rate is a simple matter at first glance: Just look in the right place for what you want. Looking at individual bank site or visiting physical branches is time-consuming, so skip the individual search and look online for sites that aggregate the best deposit account rates.

    1. Bankrate – Bankrate is a major player in this space. For your convenience, we’ve partnered with Bankrate to provide you with their live data feed. You can see their rate table below.
    2. Top Lists – You can check out various “top lists” by searching online. Top lists typically include online banks that provide higher interest rates than their brick and mortar counterparts for example, Discover Bank and EverBank pay about 1% for your money.
    3. Alternative Options – Last but not least, there are alternatives to traditional savings and money market accounts that could provide competitive interest rates. Just remember that these options are not your typical savings accounts; you have to understand how they work before you decide to commit your money.

    Remember that the best interest rate is not the only factor to consider; you should also consider the fees and make sure that you maximize your earnings and convenience with your savings.

    In case, it is not obvious, this page does not include all available savings account offers from all banks.

    Top High Yield Savings Accounts

    The following table lists banks and credit unions that offer the highest yield savings account and money market rates as of today. To get more information, you can follow the link to the bank website.

    Alternative Options to Savings and Money Market Accounts

    In addition to high yield savings accounts and money market accounts, here are some alternatives that may work for you:

    Highest money market rate

    Highest money market rate

    Highest money market rate

    Highest money market rate

    If you know a bank that offers a higher rate than the ones above, we’d love your insight in the comments.

    Frequently Asked Questions and Answers

    What is the best way to choose a savings account?

    When selecting a savings account, determine the features that are most important to you. For example, you may order the features as follows: high-interest rates, good customer service, low fees, and good reputation.

    Are online savings accounts better than a traditional one?

    Online savings accounts are more popular each day. Typically, you have to complete most of your transactions online or using the ATM, since there may not be brick and mortar locations in the “real” world. In exchange, you enjoy a higher interest rate than normal and pay lower fees.

    How does FDIC insurance protect savings accounts?

    When selecting a bank, make sure that it is FDIC insured. The federal government offers this insurance to participating banks and it protects your money (up to $250,000 per depositor at each banking institution) against loss in the event that the bank goes out of business.

    What does FDIC deposit insurance cover?

    FDIC insurance covers all deposit accounts, including savings accounts, money market accounts, certificates of deposit (CDs), and checking accounts.

    Please review information associated with each offer before you sign up. Rates and conditions change constantly and I have reported what I believe to be the most accurate information at the time the article was updated.



    How to Calculate an Interest Rate Factor – Budgeting Money #calculate #compound #interest #rate


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    How to Calculate an Interest Rate Factor

    How to Calculate Monthly Payments for Mortgages

  • How to Calculate the Interest on a Mortgage Loan

    • How to Calculate Daily Mortgage Interest

    • How Do I Calculate Mortgage Interest APR?

      Popular Articles

      How to Calculate Mortgage Payments and Interest

    • How to Calculate Repayments on a Mortgage

    • How to Calculate 15-Year Fixed Mortgage Payments

    • How to Calculate a Weekly Mortgage Payment



    Blood Tests to Diagnose Arthritis #arthritis, #rheumatoid #factor, #rf, #antibodies, #blood #test, #cryoglobulins, #lupus, #complement, #hla-b27, #anca, #cpk, #crp, #esr, #sedimentation #rate, #anti-ccp, #autoimmune, #sed #rate, #inflammation, #rheumatoid #arthritis, #sjogren’s, #lupus, #ankylosing #spondylitis, #diagnosis, #blood #tests, #ana


    #

    Blood Tests to Diagnose Arthritis

    If your doctor suspects you have arthritis. he or she may have your blood drawn to determine which type of arthritis you have. In people with osteoarthritis. blood tests are not usually abnormal, but with other types of arthritis. including rheumatoid arthritis. certain tests will help with a proper diagnosis.

    Here is a review of the different types of blood tests and markers used to diagnose arthritis and other inflammatory conditions.

    What Blood Markers Are Used to Diagnose Rheumatoid Arthritis?

    Rheumatoid factors are a variety of antibodies that are present in 70% to 90% of people with rheumatoid arthritis (RA). Rheumatoid factor (RF), however, can be found in people without RA or with other autoimmune disorders. In general, when no rheumatoid factor is present in someone with RA, the course of the disease is less severe.

    Another test for rheumatoid arthritis that measures levels of antibodies that bind citrulline modified proteins (anti-CCP) is more specific and tends to be elevated in patients with rheumatoid arthritis or in those about to develop rheumatoid arthritis. The presence of anti-CCP antibodies can be used to predict which patients will get more severe rheumatoid arthritis.

    Are There Tests to Determine Inflammation?

    Yes. The erythrocyte sedimentation rate (ESR) reflects the degree of inflammation in the body. In healthy people, the ESR is low and it climbs with inflammation. It doesn’t point to any particular disease, but is a general indication of the amount of inflammation in the body. In lupus and polymyalgia rheumatica. the ESR often correlates with disease activity.

    C-reactive protein (CRP) levels are an even better indication than ESR of the amount of inflammation present. In people with rheumatoid arthritis, if the CRP is high, it suggests that there is significant inflammation or injury in the body.

    Both CRP and ESR levels are used to monitor disease activity and to monitor how well someone is responding to treatment.

    Continued

    What Tests Indicate Disorders Like Lupus?

    The ANA profile is a series of tests that measure the presence of abnormal antibodies. The profile helps your doctor look for diseases such as Sjögren’s syndrome. lupus. drug-induced lupus, polymyostitis, and scleroderma .

    When the ANA is positive, it indicates that you may have an autoimmune disorder, but the test alone can’t make a reliable diagnosis. If the ANA is negative, it is likely that you don’t have lupus.

    What Does the Presence of HLA-B27 Indicate?

    HLA-B27 is a genetic marker. In people with inflammatory arthritis of the spine and joints (not osteoarthritis ), a positive HLA-B27 test is associated with the presence of one of a group of diseases called seronegative spondyloarthropathies. This includes diseases such as ankylosing spondylitis (AS), psoriatic arthritis. and Reiter’s syndrome (also called reactive arthritis ). HLA-B27 is present in about 90% of people with AS, but the gene can also be seen in people with no sign of arthritis or inflammation.

    What Does It Mean if Muscle Enzymes Are High?

    When muscle enzymes — creatine phosphokinase (CPK) and aldolase — are high, it indicates a possible inflammatory muscle disease. Higher levels of CPK can also be seen after trauma, injections into a muscle, muscle disease due to an underactive thyroid. and while taking certain medications such as cholesterol -lowering statin drugs.

    What Are Antineutrophil Cytoplasmic Antibodies (ANCA)?

    ANCA are abnormal antibodies found in the blood in most people with Wegener’s granulomatosis. a disease that affects the upper respiratory tract, lungs. and kidneys. They are uncommon in other diseases, which makes them useful in diagnosing this particular disease. ANCA levels are sometimes used to follow the course of Wegener’s granulomatosis .

    What Is the Complement System?

    The complement system is made up of a network of proteins that involve the immune system and inflammation. Decreased levels of various components of complement — C3, C4, or CH50 — can be seen in lupus. Other diseases that involve inflammation of the blood vessels — called vasculitis — can also have decreased levels of complement in the blood. In some cases of lupus, particularly those with kidney disease, complement levels are used to follow the illness because they may rise and fall according to the activity of the disease.

    Continued

    What Are Cryoglobulins?

    Cryoglobulins are antibodies that may be high in a variety of different diseases, including rheumatoid arthritis, lupus, Sjögren’s syndrome, Waldenstrom’s macroglobulinemia, multiple myeloma. lymphoproliferative disorders, hepatitis B and C, and other infections.

    WebMD Medical Reference Reviewed by David Zelman, MD on June 13, 2017

    Sources

    SOURCES:
    American Association for Clinical Chemistry: “Rheumatoid Factor.”
    National Institute of Arthritis and Musculoskeletal and Skin Diseases: “How is Rheumatoid Arthritis Diagnosed?”
    Arthritis Foundation: “Guide to Lab Tests.”

    © 2017 WebMD, LLC. All rights reserved.

    Next Article



    Understanding How Your Credit Card Interest Works #credit #card #interest #rate #formula


    #

    How Does My Credit Card Interest Work?

    Earn 2% at gas and restaurants on up to $1,000 in combined purchases each quarter.

    Do you have questions about how these charges are calculated? Remembering just a few facts about credit card interest will empower you to make the best financial decisions for yourself and your family. Here s what you need to know:

    What is my interest rate?

    Your credit card purchases are subject to a standard interest rate called the Annual Percentage Rate, or APR. This number will vary from card to card and person to person depending on factors such as credit scores. Your APR is expressed in terms of a year, but credit card companies use it to calculate charges over your monthly statement period. So just like miles per hour is a way of measuring speed over an hour, APR measures interest over the time period of a year. But in both cases, the measurement can still be used for longer or shorter time periods.

    How is it calculated?

    To find out how much interest you re paying on your balance each day, you can convert your APR to a daily percentage rate. To do so, divide your APR by 365, the number of days in a year. At the end of each day, the card issuer will multiply your current balance by the daily rate to come up with the daily interest charge. That charge is then added to your balance the next day, a process called compounding.

    If your credit card has an APR of 15%, it will have a daily rate of .041096%. Let s say a cardholder has a balance of $1,000 at the 15% APR standard interest rate. The next day, interest is added and the balance becomes $1,000.41, plus any additional purchases and minus any new credits or payments. This process occurs each day until the end of the cardholder s monthly statement cycle. So at the end of the month, the beginning $1,000 balance becomes $1013 when interest charges are applied at 15% APR.

    When is the best time to pay?

    Here s a great secret about credit card interest. credit card companies usually grant you a grace period of at least 21 days 2 between the purchase date and the payment due date. If you pay the entire statement balance in full and on time, these charges will be waived by the card issuer.

    However, if a cardholder fails to pay the entire statement balance, or does not make the payment in time, the interest charges that have already been incurred will be applied to the next statement. In this case, the cardholder has forfeited his or her grace period, and the interest charges for both the last month and the following month will typically appear on the next statement, but cardholders should always check their cardmember agreement for details specific to their account.

    A few more important facts to keep in mind:

    • Separate interest rates and charges can apply to cardholder s cash advance balance and balance transfer balances. Furthermore, many credit cards will impose a higher penalty interest rate when cardholders fail to make payments.
    • Most credit card variable interest rates can change with the Prime Rate. The Prime Rate is an interest rate that is three percentage points above the federal funds rate, which is set by the Federal Reserve Bank. Because this interest rate can increase, cardholders should be careful not to incur more interest charges than they can comfortably pay each month.

    Pay off debt faster with a balance transfer.



    Why Goldman Sachs pays such a high savings account rate #who #pays #the #highest #interest #rate #on #savings


    #

    YahooFinance

    Why Goldman Sachs pays such a high savings account rate

    Goldman Sachs is the place for customers seeking yield on their savings account

    Americans will have a hard time finding a bank that pays a higher savings account interest rate than Wall Street giant Goldman Sachs (GS ).

    GS Bank, the firm’s online bank, recently made headlines when it raised its savings rate to 1.2% from 1.05% earlier this month. At 1.2%, GS Bank surpasses the large consumer banks, where most households keep their money.

    One of the reasons Goldman can offer better rates is it doesn’t have the major expenses associated with operating a consumer banking business.

    “[We] are able to give good value to customers on the interest rate because we don’t have the expenses of all the branches and all that infrastructure,” said Harit Talwar, head of Digital Finance at Goldman. “It’s very economical for us to give consumers high interest rate on their savings accounts.”

    This explanation is well known among savers. It’s a business model that has made household names out of the likes of online entities like Synchrony and Ally.

    But GS Bank’s rate is higher than its online competitors

    GS Bank ‘s rate is significantly higher than other online deposit competitors. Synchrony High Yield Savings and Barclays Online Savings offer their customers a 1.15% rate, while Discover Bank and Ally Online Savings offer 1.1% and 1.05%, respectively, according to data NerdWallet .

    In its efforts to attract business, GS Bank also has just a $1 minimum deposit requirement and it charges no transaction fees.

    “They’re new,” said banking analyst Marty Mosby, the director of bank and equity strategies at Vining Sparks.

    “This is their first year and they want to make a splash,” he added. “They’re going to be rounding up, trying to be on the high end of the market to get peoples attention.”

    This implies that GS may not forever be the highest payer in the business.

    But for now, the strategy appears to be working. Currently, Goldman has around 300,000 retail customers between its loans and online deposits, according to Talwar.

    ATMs are convenient, but costly.

    Among those customers, there are large numbers of both Millennials and Baby Boomers.

    “I think Millennials are coming because they like online offerings and I think the Baby Boomers get attracted by the value,” Talwar said.

    Unfortunately for those seeking convenience, GS does not offer debit or credit cards or ATMs, which helps control costs.

    There’s still demand for brick-and-mortar banks

    According to Mosby, not having traditional retail branches can have its drawbacks.

    “People still like having traditional banking. They like having branches. They like the convenience of knowing their bankers,” he said. “Online strategies will have to entice them with higher rates. They’ll need higher rates for it to make a difference. We’re just not there yet.”

    While Goldman doesn’t have branches or ATMs, they do have a call center where someone answers the phone within 10 seconds. (This reporter tested this out and it appears to be an accurate statement.)

    Goldman wasn’t always in the consumer banking business. Traditionally, Goldman’s clients have included corporations, financial institutions, governments, and high-net-worth individuals. During the 2008 financial crisis. Goldman was required to convert from a broker-dealer to a bank holding company to gain access to the Federal Reserve’s discount window, a source of liquidity. In that time, there were internal discussions on how to grow the consumer side of the business. Last year, the bank made the first move in that direction when Goldman’s GS Bank acquired GE Capital’s online deposit platform and assumed approximately $16 billion in deposits.

    Goldman also built out its online lending platform “Marcus: By Goldman Sachs” as part of that effort. Marcus, which gives out personal loans up to $30,000 for credit-worth borrowers, recently surpassed the $1 billion milestone in loans. Having deposits on hand at GS Bank helps fund those loans that Marcus makes. This gives the firm a lower cost and more stable source of funding compared to borrowing money in the market.

    Julia La Roche is a finance reporter at Yahoo Finance. Follow her on Twitter .

    • Goldman Sachs’ consumer bank is already popular with Main St. America
    • E*TRADE wants you to channel your frustrations into your brokerage account
    • Singer: The financial system isn’t more sound than it was during the crisis
    • Why high-cost money managers aren’t worried about the passive investing boom
    • Fund managers are worried about ‘bubble-like’ stock prices


    Term deposit account #term #deposit,high #rate,fixed #rate,interest #rate,savings,yorkshire #bank


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    Term deposit account

    Making your savings grow

    Decide how long you’d like to save – from three months to five years – then once your term deposit is opened, sit back and watch your money earn a guaranteed rate. Our term deposit account is ideal if you want to put away a lump sum – as long as you don’t want to make any withdrawals or additional deposits.

    Features
    • Guaranteed interest rates – up to 2.19% Gross*/2.10% AER +. This rate is available on the 5 year Term Deposit – Interest Capitalised at Maturity account.
    • Minimum deposit of £2,000 – Maximum deposit of £5,000,000.
    • Withdrawals or early closure are not permitted durin g the fixed term.
    • See interest rates tab for terms available, interest rates and how this is paid to you. Our summary box is a recap of our key product information
    Withdrawals are not permitted

    Please note withdrawals or early closure of the term deposit are not permitted under any circumstances during the fixed term except in the event of the death of the Account Holder (or one of them if joint account). See term deposit terms and conditions (PDF, opens in new window) clause 2.3 for further information, if there is anything that you don’t understand please contact us for clarification.

    *Gross rate interest is the interest payable without taking account of any tax payable. From 6th April 2016 we no longer deduct tax from the interest earned on your savings, following the introduction of a Personal Savings Allowance. If you earn interest over your Personal Savings Allowance you will be required to pay any tax due yourself directly to HM Revenue and Customs. If you would like to read more about your Personal Savings Allowance, please visit the Government website www.gov.uk.

    + AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

    For new Term Deposits – The rate in force on the day your Term Deposit is opened will be the rate applied to your new account for the fixed term.

    For existing Term Deposits that are due to mature – The rate in force on the day your Term Deposit is reinvested will be the rate applied to your account for the fixed term. For more information on your options please refer to the letter sent out 35 days prior to your maturity date.

    Interest capitalised and paid at maturity – interest will be credited to the account on the maturity date.

    Apply in Branch

    A Yorkshire Bank current or savings account must remain open in order for the monthly or annual interest to be paid in to.

    The terms and rates offered for Term Deposits are constantly reviewed. As a result the length of the terms offered may vary.

    *Gross rate interest is the interest payable without taking account of any tax payable. From 6th April 2016 we will no longer deduct tax from the interest earned on your savings, following the introduction of a Personal Savings Allowance. If you earn interest over your Personal Savings Allowance you will be required to pay any tax due yourself directly to HM Revenue and Customs. If you would like to read more about your Personal Savings Allowance, please visit the Government website www.gov.uk .

    + AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

    How to apply

    Use the online application process to complete and print an application form and fill it out with exception of the 3, 6 and 60 month term deposit. Send on to the following address – no postcode required – but please note that it is important to ensure the FREEPOST address is written on one line as:

    FREEPOST YORKSHIRE BANK TERM DEPOSIT ADMINISTRATION

    Along with your application, you should send a cheque for the amount of your deposit. The cheque must be written from an account in the applicant’s name and made payable to the person named on the application form. For joint applications, you can send a separate cheque for each applicant if you wish.

    When we receive your signed application, we will process it as quickly as possible.

    • After your cheque has cleared, we will open your account
    • Within 14 working days we will send you a certificate and covering letter confirming your new term deposit details
    Apply by phone

    Call 0800 587 5000 (Monday to Friday 8.00am – 8.00pm, Saturday 9.00am – 5.00pm, Sunday 10.00am – 4.00pm)

    Apply at a branch

    Interest is calculated on a daily basis and can be paid at maturity of the Term Deposit. On the 24, 36 and 60 month term deposits you can also select for interest to be added annually or paid out to you monthly or annually. Please note these rates are subject to change and are for illustrative purposes. If our rates have changed we will advise you of the correct rate before you open the Term Deposit.

    Can Yorkshire Bank change the interest rate?

    No. The interest rate is fixed when you open the Term Deposit.

    What would the estimated balance be at maturity, based on a range of deposits?

    Initial deposit at account opening

    Balance at the end of the term

    These are only examples and show the balance at maturity and do not take into account your individual circumstances or the specific manner in which interest is calculated and applied. For example, if you opt to have interest paid out to you monthly or annually the balance would remain the same.

    The examples assume that:

    • no further deposits or withdrawals are made;
    • any interest earned stays in the account; and
    • there is no change to interest rates and tiers.

    How do I open and manage my account?

    The account can be opened in branch or online, www.ybonline.co.uk or call us on 0800 587 5000. apart from the 60 month term deposit which can only be opened in branch or via telephone. You must be aged 16 or over. Minimum opening balance is £2,000 and maximum is £5,000,000.

    We will contact you 35 days before the Term Deposit matures with a rate for another Term Deposit and details of how to add funds, withdraw funds, change the term or close the account. If you are happy to invest again, you do not need to take any action the Term Deposit will be rolled over for the same term.

    Can I withdraw money?

    No, withdrawals or early closure of the Term Deposit are not permitted.

    Interest will be paid gross.

    Gross rate interest is the interest payable without taking account of any tax payable.

    AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.



    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.



  • Apply Now #mortgage #rates, #quicken #loans, #current #mortgage #rates, #today ##039;s #mortgage #rates, #mortgage #interest #rates, #mortgage #rate, #low #mortgage #rates, #low #mortgage #rate


    #

    Quicken Loans Is Here to Get You an Affordable Mortgage with Amazing Client Service.

    *Product available on Fixed Rate Conventional Products only. No FHA, VA or Jumbo Products. No State Restrictions.

    By submitting your contact information you agree to our Terms of Use and our Security and Privacy Policy. You also expressly consent to having Quicken Loans, our Family of Companies. and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Quicken Loans or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored.

    To be eligible for HARP, your original note must be dated on or before 5/31/2009, and your mortgage must be securitized by Fannie Mae or Freddie Mac with a loan-to-value (LTV) equal to less than 200% of the current market value of your home. You must be current on existing mortgage payments and make sufficient income to support the new mortgage payments. Quicken Loans must be participating with your Mortgage Insurance provider in order for you to qualify. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. A tax adviser should be consulted for further information regarding the deductibility of interest and charges.

    Based on a Quicken Loans market research questionnaire of clients whose loans closed between 7/1/2016 and 12/31/2016.

    Quicken Loans received the highest numerical score in the proprietary J.D. Power 2010 – 2016 Primary Mortgage Origination studies and the 2014 – 2016 Primary Mortgage Servicer studies. 2016 Origination (or Sales) based on 5,182 total responses and measures experiences and perceptions of consumers who originated a new mortgage, surveyed in July – August 2016. 2016 Servicing based on 7,542 total responses and measures experiences and perceptions of consumers with their current mortgage servicer, surveyed in March – April 2016. Your experiences may vary. Visit jdpower.com .

    NMLS #3030. Go here for the Quicken Loans NMLS access page.

    Quicken Loans, 1050 Woodward Avenue, Detroit, MI 48226-1906.
    ©2000 – 2017 Quicken Loans Inc. All rights reserved. Lending services provided by Quicken Loans Inc. a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc. used under license.



    How many days will my DVR record? #discount #security #cameras #net, #digital #video #recorder #recording #dvr #hard #drive #record #mode #frame #rate


    #

    This is a very common question with a very simple answer; it depends.

    For those of you looking for a more complete answer I will go a little deeper. The amount of recording time the DVR can save is based on a few variables. They are the Hard Drive Size, Record Mode, Record Quality, Frame Rate, and Record Size.

    Hard Drive Size: When it comes to the hard drive the bigger the drive the greater the storage capacity. Typical size for a basic drive should start at 500 gigabytes and can be as much as 2 terabytes. Depending on the DVR it can hold multiple drives for a stacked effect. Some machines can hold as many as 12 terabytes. That is a whole bunch of storage!

    Record Mode: The mode you record in makes a big difference for the average user. The two most common options are 24 hour and motion only. 24 hour is exactly how it sounds. It never stops recording, which means it never stops filling hard drive space. Motion recording is great for locations with “downtime”. Businesses that operate from 9-5 will save a large amount of space during non business hours when there is nothing setting off the motion alarms triggers. I recommend motion in most every case. No motion equals no recording, which equals more record time.

    Record Quality: This may seem a little silly but there are applications where it is not necessary to get high quality recording. However, I generally recommend the best quality setting for all cameras. When you lower the quality of the recording you are storing less data.Less data equals less storage and more record time .

    Frame Rate (FPS): The average movie records and plays at 24 fps (pictures/frames per second). Real time recording for DVR systems is 30 fps. In most cases 15 frames a second looks pretty good but may miss some details that would be of great help in theft, slip and fall, and many other incidents. Unless storage time is a real problem I always recommend 30 fps. Basically, more frames equals more pictures and more pictures equals more data, which equals less record time.

    Record Size: Similar to record quality, record size changes the amount data placed on the hard drive. In most cases the standard recording is done in (352 x 240 resolution) aka CIF. The industry uses this as the basis for all the formulas for recording time. In most cases CIF is a reasonable record size. The larger the frame, the more data, which equals less record time.

    Now that you know more than you may have wanted to know about DVR recording let me tell you how the math works. In a typical scenario, a camera system will use about an average of 6 gigs of storage space per camera per day in motion mode. For 24 hour record it’s closer to 10 gigs per camera per day.

    Motion – 4 cameras and 500g HDD = 6g x 4 cameras = 24g per day.

    (Approximately 20 days)

    24 hour – 4 cameras and 500g HDD = 10g x 4 cameras = 50g per day

    (Approximately 12 days)

    Post navigation



    Used Cars for Sale in Essex. Trade Price Cars Guaranteed Car Finance Specialists – Trade Price Cars, used car dealer in Essex. Specialists in low rate car finance deals and guaranteed vehicle loans. Wide range of used cars for sale in Battlesbridge, Wickford, Essex. Pay as you go car finance now available for bad credit. #car #transporters


    #trade cars
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    The Vehicle Sourcing & Car Finance Specialist’s

    Our combination of professional service and core enthusiast approach to supplying handpicked quality used cars throughout Essex & nationwide is what makes us excel from the rest.

    At Trade Price Cars we are proud to provide a wide range of select used vehicles with over 100 vehicles on site, as well as our specialist vehicle sourcing team with access to thousands of vehicles from our expanding dealer & trade network.

    We offer full dealer facilities to include: Part Exchange, Finance, 6-12 Months Warranty, Vehicle Checks, 12 Months MOT. All our Vehicles are professionally sourced, prepared and valeted on site. All cars supplied are HPI checked for peace of mind unless stated within the description.

    Trade Price Cars are market leaders in sourcing specific cars for their customers. If we haven’t got what you want in stock, let our dedicated enthusiasts find the dream car for you! Whether your looking for a family hatchback or a midlife crisis convertible we have all the tools and contacts to make it happen. Our buyers have access to hundreds of thousands of cars throughout the UK & contacts within the motor trade that have taken years to build, so let us do the hard work for you so you don’t have too.

    We specialise in arranging finance for your next vehicle purchase. We work with a panel of specialist lenders who are able to consider every credit situation (Subject to status and income).*

    We offer Prime Low Interest Rates for Good Credit History, as well as Sub-Prime Rate for Risk schemes for those with previous Bad Credit Score. No Deposit available, as well as our latest Pay As You Go Car Finance alternative.

    Please feel free to get in contact with us today, we look forward to being able to help.

    Dan, Graham & Chris

    To find out more please click on the “about us” section.



    How to Get the Best Rate on a Rental Car #used #trucks


    #best rental car rates
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    Things You’ll Need

    Discount card, such as AAA, AARP

    Decide when you need to rent a car. Make sure that you know if your dates are set or are flexible. List the dates you need the car and also alternate dates that you would be willing to accept if the pricing is better for alternate dates.

    Check car rental pricing through a portal such as Expedia, Priceline or Travelocity, which will allow you to compare car rental prices from multiple companies based on the dates you enter. Write down the names of the companies that have the lowest prices and also note the car types and prices listed through the online portal site.

    Visit the web sites of the car rental companies that you found to have the best deals and re-enter your dates of use and search for their direct pricing. Pay attention to banner ads and other special offers that may be posted. Write down the pricing listed and the vehicle class. Compare all choices from the various companies and select the best rate.

    Call the car rental agency with the best pricing and speak to a customer service representative. Ask about discounts for being a member of associations such as AAA and AARP. Ask about alternate discounts that may apply to you such as being in the military. Keep a list of all pricing information supplied to you.

    Ask the sales agent if there is a possibility to lower the rental cost by opting out of the car rental company’s car insurance. Verify that your personal automobile insurance policy will cover you driving a rental car and if so decline the additional insurance offered by the rental agency to lower the price even further. Ask the agent if there are alternate locations to pick up or drop off your location that may cost less money. For example: would renting from an airport location save you money or cost more. Give the agent a distance from your location that you are willing to travel to to get your rental car.

    Make your reservation and request a confirmation. Continue checking pricing up until the time when you would require the car. You can cancel your rental up to 48 hours before you are slated to receive the rental car so continue to shop around for better pricing until that time.



    How to get a lower rate on an auto loan – CBS News #cheap #car #leasing


    #car loan interest rate
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    How to get a lower rate on an auto loan

    (MoneyWatch) Strong auto sales this year have been boosted by the growth of auto loans obtained through dealers, Edmunds.com is reporting. That’s good news for the industry and the economy but means that as a car shopper you need to be careful not to overpay in high interest rates for your loan.

    “Pent-up demand from consumers unable to get credit during the recession will continue to contribute to auto sales growth as these consumers get access to credit,” says Edmunds chief economist Lacey Plache in a just-published report. The expansion of credit has included growth in loans to consumers with subprime credit ratings — about one quarter of auto loans in the second quarter of this year.

    But if you are fortunate enough not to be a subprime buyer, you still have other options beyond dealer financing. And even if you do wind up with a dealer loan, make sure you are not paying above-average rates.

    Take these steps to make sure you are getting the best auto loan deal:

    • Know your credit score. Go to annualcreditreport.com and look over your report and take the one-time paid option to get your score. This is the key to what interest rate you will pay.
  • Check the average loan rate for your credit score. For instance, the Yahoo Autos financing page shows that prime borrowers with FICO scores above 720 are paying an average of just 3.75 percent. Scores between 690 and 719 have a 5.16 percent rate and borrowers between 660 and 689 pay 7.03 percent. These are broad averages, of course, but will give you a benchmark to see if the dealer-offered loan is a good deal.
  • Get outside financing if you possibly can. If you have a relatively strong credit score, you may be able to get pre-approval from your bank or credit union. With that financing in hand, you can compare a dealer financing offer and take it only if it is a better deal.
  • Keep each part of the transaction separate. Dealerships love “payment buyers” who focus only on the monthly payment. That lets them wrap all together the trade-in, if any, the price of the new car and the financing. Negotiate hard on the new-car price after checking on a typical selling price such as the Edmunds.com True Market Value.
  • With these precautions, you can upgrade your ride to something like the redesigned 2013 models Ford Fusion or Honda Accord without paying too much for your auto loan.

    2012 CBS Interactive Inc. All Rights Reserved.



    Lowest Car Loan Interest Rate 2013 – My Best Car Dealer – Year End Promotion #car #value #guides


    #car loan interest rate
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    S.Sueilan says:

    Salam, Tuan saya ingin membeli sebuah kereta buatan Honda iaitu Jazz i-vtec dalam awal Januari ini (selepas menerima bonus untuk di jadikan D/P dalam lingkungan 5k) Masalah saya sekarang adalah :

    1. Saya bekerja (sebuah syarikat) dengan gaji di bayar secara tunai (atas permohonan saya sendiri). Dan tabiat saya adalah memecahkan wang-wang berkenaan kepada akauan ASB,Bank Islam dan RHB mengikut keselesaan saya pada bulan tersebut. Ini bermakna saya tidak mempunyai penyata akaun bank untuk di buktikan gaji masuk saya. Adakah ini boleh di pertimbangkan? Gaji saya basic 2200 + 300(elaun) 120 (potongan PTPTN). Saya hanya ada penyata Slip gaji dan KWSP sahaja untuk di buktikan.

    2. Saya mempunyai komitmen untuk akaun ASB 1 monthly dalam 136.70 dan akaun ASB 2 dan monthly sebanyak 300.00 dan pembiayaan peribadi Al Rajhi monthly 198.00. Saya juga ada menjadi penjamin untuk Ibu saya bagi memohon pembiayaan perniagaan dari BSN untuk jumlah 20k. Adakah menjadi penjamin juga di kira sebagai komitmen bulanan?

    3. Berapakah interest yang boleh di katakan hebat boleh Tuan cubakan untuk saya?



    Bad Credit Loans – HIGHEST APPROVAL RATE – Personal Loans #car #insurance #groups


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    Bad Credit Loan Center ™

    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it’s not easy to find help.

    Our goal is to make your process of finding a loan as stress free and easy as possible. Whether you’re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

    It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you’re approved. It doesn’t matter if you’re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a loan matching service only and is not a lender.

    For cash loans just click the “Apply Here” button directly above. You will instantly be taken to our 256bit COMODO ™ encrypted secure application.

    If you’re looking for an auto loan, debt consolidation, payday loans online or credit cards please use the navigation bar at the top of this page. For more information about us please visit the about link in the footer of this page.



    Car Loan Interest Rate 2015 #car #bras


    #car loan interest rates
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    Car Loan Interest Rates

    One must check the car loan interest rates and compare them among different loan providers to get the best quote on their eligibility, net income, loan tenure and the loan amount. You can compare the car loan interest rates at BankBazaar and can hit the balloon that you want to get. It will make easy in choosing the right loan for you.

    BankBazaar also provides you with facility of calculating your EMI’s after knowing your car loan interest rates. You can calculate it after putting the requisite information like, loan amount, loan tenure and interest rate that will help you in making the right decision for your bit.

    So, want to drive your car home? Check the car loan interest rates, compare it and get your car in few days!

    News About Car Loan Interest Rate

    Mixed trend in passenger vehicle sales in September

    The trend in the September sales of passenger vehicles in India was mixed in comparison to the same month in 2014. Ford, Honda, Hyundai and Maruti Suzuki saw a growth in the sales owing to new products that they introduced into the market recently. Toyota and Tata saw a decline in the same category. For the first time in the last 17 years, Hyundai made its highest sales ever in a single month.

    Mahindra’s passenger vehicle sales declined by 7% even after the launch of the TUV300 SUV. Toyota also declined 9% along with Tata Motors declined marginally. However, companies like mahindra remain optimistic as the RBI slashed the repo rate leading to a number of banks reducing their lending rate. This will make car loans more favourable and hopefully the demand will gather pace.

    20th October 2015

    Cheap Auto loans & Increased Interest Rates!



    Lowest Car Loan Interest Rate 2013 – My Best Car Dealer – Year End Promotion #rent #a #car


    #car loan interest rate
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    S.Sueilan says:

    Salam, Tuan saya ingin membeli sebuah kereta buatan Honda iaitu Jazz i-vtec dalam awal Januari ini (selepas menerima bonus untuk di jadikan D/P dalam lingkungan 5k) Masalah saya sekarang adalah :

    1. Saya bekerja (sebuah syarikat) dengan gaji di bayar secara tunai (atas permohonan saya sendiri). Dan tabiat saya adalah memecahkan wang-wang berkenaan kepada akauan ASB,Bank Islam dan RHB mengikut keselesaan saya pada bulan tersebut. Ini bermakna saya tidak mempunyai penyata akaun bank untuk di buktikan gaji masuk saya. Adakah ini boleh di pertimbangkan? Gaji saya basic 2200 + 300(elaun) 120 (potongan PTPTN). Saya hanya ada penyata Slip gaji dan KWSP sahaja untuk di buktikan.

    2. Saya mempunyai komitmen untuk akaun ASB 1 monthly dalam 136.70 dan akaun ASB 2 dan monthly sebanyak 300.00 dan pembiayaan peribadi Al Rajhi monthly 198.00. Saya juga ada menjadi penjamin untuk Ibu saya bagi memohon pembiayaan perniagaan dari BSN untuk jumlah 20k. Adakah menjadi penjamin juga di kira sebagai komitmen bulanan?

    3. Berapakah interest yang boleh di katakan hebat boleh Tuan cubakan untuk saya?



    Car Loan Interest Rate 2015 #invoice #price #for #cars


    #car loan interest rates
    #

    Car Loan Interest Rates

    One must check the car loan interest rates and compare them among different loan providers to get the best quote on their eligibility, net income, loan tenure and the loan amount. You can compare the car loan interest rates at BankBazaar and can hit the balloon that you want to get. It will make easy in choosing the right loan for you.

    BankBazaar also provides you with facility of calculating your EMI’s after knowing your car loan interest rates. You can calculate it after putting the requisite information like, loan amount, loan tenure and interest rate that will help you in making the right decision for your bit.

    So, want to drive your car home? Check the car loan interest rates, compare it and get your car in few days!

    News About Car Loan Interest Rate

    Mixed trend in passenger vehicle sales in September

    The trend in the September sales of passenger vehicles in India was mixed in comparison to the same month in 2014. Ford, Honda, Hyundai and Maruti Suzuki saw a growth in the sales owing to new products that they introduced into the market recently. Toyota and Tata saw a decline in the same category. For the first time in the last 17 years, Hyundai made its highest sales ever in a single month.

    Mahindra’s passenger vehicle sales declined by 7% even after the launch of the TUV300 SUV. Toyota also declined 9% along with Tata Motors declined marginally. However, companies like mahindra remain optimistic as the RBI slashed the repo rate leading to a number of banks reducing their lending rate. This will make car loans more favourable and hopefully the demand will gather pace.

    20th October 2015

    Cheap Auto loans & Increased Interest Rates!



    Car Hire Melbourne – Enjoy Best Rate at VroomVroomVroom #barbie #car


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    Compare a Cheap Car Hire in Melbourne – It’s Fast and Easy!

    Book a rental car today for your flexibility and convenience

    Maybe you need a car hire from Melbourne Airport. With so many worthwhile benefits to booking a vehicle, you’d be crazy not to do that! If you aren’t convinced that a rental car is for you, below are a few reasons why many people prefer booking a car rental in Melbourne through VroomVroomVroom.

    Flexibility  – Booking a car hire Melbourne gives you the ability to explore the town whenever, and wherever you please. There is no need to plan your day around timetables with a rental car.

    You have the means and the time to move around the city at your leisure, making it less stressful and more yes, yes, yes!

    Freedom  – Moving around the city is a breeze in a rental car and better yet, you have the ability to take stuff with you. There will be no trying to catch a bus or train with your days worth of retail therapy if you book a hire car.

    With room to store all your new-found bargains, you’ll never go anywhere without car hire again.

    NO Cancellation Fees  – If you book your car rental Melbourne with VroomVroomVroom and have to cancel it, we will not charge you. With that in mind, book away with the knowledge that if your plans change, no money will come out of your pocket.

    Savings  – Booking early through VroomVroomVroom offers you so many savings, you’d be crazy not to take advantage! We compare the rates of all the top car rental suppliers so you can see what the best rates are on the car category you want.

    Locations – Rental cars are available from a number of car hire locations in the city, so you are not limited to collecting a car from the city or airport. Our customer service team will be able to help you find the most convenient pickup location for you. Click Here to contact us, if you need help when booking a car.

    Do you prefer booking a Campervan Hire in Melbourne?

    Book a campervan or motorhome with VroomVroomVroom and you can save up when you compare rates that are currently available in Melbourne. Click Here to save up on a campervan hire today.

    Want to know what our car hire customers have to say?

    Our goal is to make booking a rental car as easy as possible. Here is a recent review that one of our customers decided to send to us. If you have any feedback on how your hire car booking went, please also feel free to share it with us. We want to hear from you!

    Want more info on Suppliers in Melbourne?

    Avis Great Competitive Rates

    Save when using Avis for Great Competitive Rates Australia-wide. Your discount will already be calculated and deducted from your screen quote. View Avis Great Competitive Rates.

    Budget’s best rates available online!

    Budget is proud to offer a wide range of vehicles, quality service and great value in car hire. Book online today to receive our best rates and start saving! View Budgets best rates available online.

    Europcar Web Deals

    Europcar has a fantastic list of latest model cars to offer. It doesn’t matter what type of vehicle you need, Europcar’s huge rental fleet will certainly have something to offer you. Audi, Ford, Suburu, Nissan, Mazda, Toyota are just a few. View Europcar Web Deals.

    Hertz Web Deals

    Affordable rates across all Australian locations and vehicles. Hertz rental car has a wide range of fleet vehicles ranging from small, medium and family cars, wagons to people movers. View Hertz Web Deals.

    Find the rate prices on Thrifty vehicles. Up-to-the-second Discounts are calculated and shown live on your on-screen quote summary. View Thrifty Deals.



    Low-Interest Rate Auto Loans and Refinancing #auto #loans #calculator


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    Neighborhood Credit Union Auto Loans

    Fuel your dreams with the lowest rate for your new, used or refinanced vehicle!

    Take advantage of our 90 Days No Payments**  offer for a limited time, and make no payments on your Auto Loan until 2016 when you apply today! 

    With vehicle loan rates starting as low as 2.25% APR *, Neighborhood Credit Union is the number one choice in the Dallas-Fort Worth metroplex for all your auto loans.

    Take advantage of our competitive rates on new and used cars, trucks and other recreational vehicles, including boats, RVs and motorcycles for up to 120 months. Or refinance today to lower your monthly payments!

    Extend the life of your vehicle and get protection from the unexpected! Our extended Warranty includes:

    GAP Protection If your vehicle is declared a total loss by your insurance company due to accident, fire or theft, GAP pays up to 150% of the value of the vehicle.

    Mechanical Breakdown Protection Benefits include: Roadside Assistance, Rental Vehicle Assistance, Tire Road Hazard Trip Interruption Reimbursement

    Dent Guard Paintless Dent Repairs Automobile Deductible Reimbursement



    Lowest Interest Rate Car Loans – Bad Credit is OK. Fast Instant Approval. #loan #calculator #auto


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    Shop Low Interest Rate Auto Loans. Short Application. Fast & Easy Approval

    New Car Loans, Used Car Loans and Car Refinance Loans

    Few people can manage their daily responsibilities without the use of a vehicle. Whether you need a car to commute to work or to school, the prospect of purchasing a new or used car is an exciting experience. Most importantly having your own transportation means freedom to go and come as you please without constantly rely on external schedules.

    Mistakes to avoid when getting a car loan financed

    In their haste to get a car, most people make the mistake of using an auto dealership’s financing or they fail to shop for a low interest rate car loan. The fact is, car loan interest rates can vary extensively depending on which bank finances the car loan. One car loan customer may get a car loan at a 6% interest rate, while another person with gets an interest rate of 7%. Over the lifetime of a car loan, a high interest car loan amounts to thousands of dollars that the customer could have used towards some other personal expense.

    How Credit Scores Affect Auto Loan Interest Rates

    You may have heard the term FICO score or credit score. Your credit score is a number from 300 to 850, with 850 being the best score that one can have. If your FICO credit score is above 650, you are generally considered to have good credit. If you need to buy a car and your credit score is below 650, you can still get a car loan.

    Auto loans unlike home loans are easier to acquire because customers are usually financing a smaller dollar amount. This means that even customers with credit scores of 450, 500, 550, 560, 580, 600, 620, etc can get auto loans. Auto loans are also available to students or people who have no credit history. To compensate for the risk factor, auto loan lenders will charge a higher interest rate for people with low credit scores or no credit history.

    Credit score qualifications

    All credit scores considered: 400, 420, 425, 430, 450, 460, 470, 480, 490, 500, 510, 520, 525, 530, 540, 550, 560, 570, 580, 600, 610, 620, 630, 640 & up



    How To Find The Best Rate On Auto Insurance #auto #zone.com


    #auto insurance rates
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    How to find the best rate on auto insurance

    There once was a time when one phone call to your family insurance agent gave you all the coverage protection you needed at the very best price. Well. today, just watch the halftime show during one pro-football game. Huh? Chances are that you will see commercials for just about every flavor of insurance offered by a dozen different insurance companies. Each one promising better rates, better service and better protection.

    So how do you navigate the options to get the best auto insurance rate? Take the time to comparison shop, and understand what might lower your rate.

    How much do you drive each week? Take the train or bus to work? This could affect your auto insurance rate.

    How old is your car? If you own it and it is pretty old, consider dropping collision coverage — the replacement value might not be worth the monthly premium.

    Are you a student — and a good one? Look for good-student rates.

    How much of a deductible can you afford? Carrying a higher deductible will lower your monthly rate.

    What’s your credit rating? Sounds crazy, but it’s true. People with good credit get better rates on car insurance. Why? If you are not paying your bills on time, chances are it is because you do not have the cash on hand, which means that if you get into a fender bender, you are definitely filing a claim, even if it makes your rate go up.

    Some companies offer discounts for different professional groups or organizations. Ask to see a list from each company you are considering.

    Find out about any other discounts that are offered, but be careful — sometimes, the companies with the highest prices offer the biggest discounts but not enough to make them the least expensive option. Do the math before buying a policy.

    Ready to shop? Check out insurance comparison shopping sites such as NetQuote.com and InsureMe.com. It is a little more challenging to buy auto insurance than it used to be. But shopping around really does pay off.



    Best Rate Insurance #byers #auto


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    Welcome to Best Rate Insurance Exchange of America your dedicated, local Florida insurance provider!

    Proudly located in Doral Florida, Best Rate Insurance Exchange of America is your leading independent Florida insurance agency; dedicated to serving the coverage needs of area individuals, families and businesses.

    Best Rate Insurance Exchange of America is a leader amongst other Florida insurance companies, providing quality protection, superior customer service and the lowest rates on Florida insurance coverage across the state. We represent various nationwide insurance carriers, enabling our expert agents to effectively compare rates and coverage to ensure our clients receive the quality protection they deserve. Our extensive network of providers guarantees that we can secure superior Florida insurance for a multitude of coverage needs!

    At Best Rate Insurance Exchange of America it s our job to assist you in identifying your needs, while putting together a customized coverage plan that is effective, yet easy to understand. We strive to match you with the most comprehensive insurance package that caters to your unique lifestyle. Our knowledgeable agents are well versed on all aspects of Florida insurance so no matter where you are located across the state whether it s Miami insurance. Tampa insurance, Daytona insurance or coverage anywhere within Florida we ve got you covered with a dependable policy you can count on.

    We welcome you to join our family and learn about our broad book of options for Florida insurance and while you re at it let us offer you some free FL insurance quotes that are sure to fit your budget!

    Perhaps you are searching for a Florida car insurance policy or Florida homeowners insurance well rest assured because we ve made your coverage needs our top priority! We offer all of the skill and expertise you would expect from a committed, client-focused insurance agency.

    At Best Rate Insurance Exchange of America we certainly don t stop there! Be sure to ask one of our insurance professionals about our expert coverage options available for Florida business insurance packages and more!

    Here at Best Rate Insurance Exchange of America, we consider everyone and every policy to be unique which is why you need, Best Rate Insurance Exchange of America the preferred choice for Florida insurance to create a tailored, custom policy exclusively for you.

    Contact Best Rate Insurance Exchange of America, to speak with an agent right now and discover your options for exceptional Florida insurance strategies right now! And remember whether it s Miami insurance. Tampa insurance, Daytona insurance or coverage anywhere within Florida we ve got you covered, so give us a call and receive your free insurance quotes today!



    Bad Credit Loans – HIGHEST APPROVAL RATE – Personal Loans #2nd #hand #cars


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    Bad Credit Loan Center ™

    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it’s not easy to find help.

    Our goal is to make your process of finding a loan as stress free and easy as possible. Whether you’re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

    It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you’re approved. It doesn’t matter if you’re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a loan matching service only and is not a lender.

    For cash loans just click the “Apply Here” button directly above. You will instantly be taken to our 256bit COMODO ™ encrypted secure application.

    If you’re looking for an auto loan, debt consolidation, payday loans online or credit cards please use the navigation bar at the top of this page. For more information about us please visit the about link in the footer of this page.



    Auto loan rate from #auto #parts #plus


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    Auto Loan Rates

    Auto Loans Auto Loan Rates

    Annual Percentage Rate (APR): The Annual Percentage Rate (APR) is a yearly rate of interest that includes all of the fees and expenses paid to acquire the loan. Federal law requires lenders to disclose the APR. The APR is essentially the ONLY rate you will need to compare one loan (of the same length) with another.

    Interest Rate: Interest is the annual rate of return that the lender receives on the principal of the loan. The interest rate is relevant t to the lender while the APR is relevant to the borrower.

    Down payment: The down payment is the total amount of money the borrower puts down towards the purchase of a vehicle at the time of purchase and origination of the loan. This does NOT include any credits for trade equity or rebates and incentives. NOTE: The down payment is credited to reduce the final sales price of the vehicle AFTER it has been adjusted to reflect taxes, trade inequity or other expenses.

    Loan Term: The length of the loan in months. A longer loan leads to substantially more interest and frequently, a trade inequity if the vehicle is traded during the first three years.

    Principal: The amount of the auto loan without the interest factored in. In other words, the amount you are financing.

    Auto Loans in other States



    Auto Loan Rate Comparison Calculator #mexican #auto #insurance


    #auto loan interest rates
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    Auto Loan Rate Comparison Calculator

    This calculator that will help you to compare monthly payments and interest costs of auto loans at up to five term and rate combinations simultaneously.

    Choosing the Ideal Auto Loan Term

    Buying a new vehicle is exciting, but paying for the vehicle can be another story. For those who don t have the cash to pay for the full cost of the vehicle upfront, getting an auto loan is necessary. Here are some tips for choosing the ideal auto loan term.

    The Basics

    An auto loan allows a consumer to borrow money to pay for a car. The money borrowed from a lender is called the loan principle. Because lenders need a financial incentive for the transaction, they charge interest.

    When the consumer takes out the loan, a specific interest rate will be charged in addition to the original loan amount. The principal plus interest is typically due in monthly installments through the entire life of the loan.

    Until the vehicle is completely paid off, the lender owns the vehicle, though the borrower is responsible for it. If the borrower misses loan payments, the lender will repossess the car. Once the loan is paid off, the vehicle s title is transferred to the borrower.

    New or Used

    Auto loan rates for new vehicles are generally better than rates for used cars. In most circumstances, the older the vehicle, the higher the rate. While dealerships sometimes offer zero percent financing for pre-owned stock, usually only new cars qualify for this low rate.

    Term Length

    Consumers would be wise to sign up for the shortest affordable term, as longer terms can cause consumers to owe more money over the term of the loan than the vehicle is worth. The average term for a loan on a new car is almost 64 months

    Know Your Credit

    Auto loans are largely effected by credit scores, so it s important for consumers to be aware of their credit score before applying for an auto loan. All U.S. citizens are eligible for a free credit report, which allows them to fix errors and correct bad habits.

    Consumers who tend to pay bills late will have a lower credit score, and will often be seen as a risk to lenders, who are assessing whether the loan will be repaid.

    Consumers with a less established credit history, particularly young people, may also be charged a higher loan rate as lenders may have difficulty judging how high a risk they are.

    Know Your Price Range

    Consumers who set a price range before shopping for a new vehicle are less likely to spend over their budget. Online calculators allow consumers to calculate monthly payments to ensure the loan will be affordable. Consumers should spend no more than 20 percent of take-home pay on all household vehicles combined. The 20 percent includes the down payment, principle and interest. Also take into account the costs of fuel, maintenance, repairs, as well as the taxes and fees to register the vehicle with the state.

    Depreciation

    The decline in a vehicle s value of the course of its life is called depreciation. According to Edmunds, a vehicle depreciates 11 percent the moment it is driven off the lot. The vehicle than depreciates an additional 15 to 25 percent a year. How quickly a vehicle depreciates is determined by mileage, certain extra features and vehicle make.

    Replacement

    According to AutoMD.com, more people are keeping their vehicles longer. 78 percent of those polled said they keep their vehicles for more than 10 years.

    • 8 to 10 years: 15 percent
    • 6 to 7 years: 4 percent
    • 3 to 5 years: 3 percent

    Whether it is the result of a down economy, the improvement of vehicles longevity or a culture that has turned toward social networking over face-to-face contact, owners are keeping their vehicles for longer. When choosing an auto loan term, consumers should consider how long they plan to own the vehicle, keeping in mind factors such as starting a new family or retiring.

    Look at the Total Cost of Interest

    A low down payment might seem like a great deal at first, but it could mean more money paid over the loan s term. If not careful, consumers could easily end up upside-down on the car, where more money is owed on the car than the car is worth. A loan amortization calculator will show how much will be spent on interest and what will be owed throughout the life of the loan.

    Insurance

    Having disability and life insurance could potentially save money on an auto loan. Some lenders like to know they will be repaid in the event something happens to the borrower.

    Don’t Settle

    Consumers do not have to go through the dealership to get a loan for their vehicle. Often dealerships do not offer the best rates. Credit unions, banks and online lenders also offer auto loans, and shopping around may turn up a better deal, or provide bargaining power when working with the dealership.

    It is best to arrive at the dealership with an approved loan application from another source, so they can know if they are being offered a good financing deal.

    Loan applications request income, expenses, debts and employment history. Consumers should be honest in filling out the applications, as all information will be verified and misleading or false information can get the applicant in trouble.

    Watch out for Prepayment Penalties

    Consumers should read the loan s fine print to be sure they won t be penalized for making extra payments or paying off the entire loan early. Even if it s doubtful the loan will be paid off early, circumstances can change down the road, and what may not be an option at the time of the loan may become possible later.

    Facing Rejection

    Rather than reapplying for a loan after an application has been rejected, consumers should determine the cause of the rejection to try to remedy the problem. Because lenders primarily look at credit scores for approving loans, consumers should take steps to improve their credit scores before reapplying for an auto loan.



    Used Cars for Sale in Essex. Trade Price Cars Guaranteed Car Finance Specialists – Trade Price Cars, used car dealer in Essex. Specialists in low rate car finance deals and guaranteed vehicle loans. Wide range of used cars for sale in Battlesbridge, Wickford, Essex. Pay as you go car finance now available for bad credit. #car #audio #centre


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    The Vehicle Sourcing & Car Finance Specialist’s

    Our combination of professional service and core enthusiast approach to supplying handpicked quality used cars throughout Essex & nationwide is what makes us excel from the rest.

    At Trade Price Cars we are proud to provide a wide range of select used vehicles with over 100 vehicles on site, as well as our specialist vehicle sourcing team with access to thousands of vehicles from our expanding dealer & trade network.

    We offer full dealer facilities to include: Part Exchange, Finance, 6-12 Months Warranty, Vehicle Checks, 12 Months MOT. All our Vehicles are professionally sourced, prepared and valeted on site. All cars supplied are HPI checked for peace of mind unless stated within the description.

    Trade Price Cars are market leaders in sourcing specific cars for their customers. If we haven’t got what you want in stock, let our dedicated enthusiasts find the dream car for you! Whether your looking for a family hatchback or a midlife crisis convertible we have all the tools and contacts to make it happen. Our buyers have access to hundreds of thousands of cars throughout the UK & contacts within the motor trade that have taken years to build, so let us do the hard work for you so you don’t have too.

    We specialise in arranging finance for your next vehicle purchase. We work with a panel of specialist lenders who are able to consider every credit situation (Subject to status and income).*

    We offer Prime Low Interest Rates for Good Credit History, as well as Sub-Prime Rate for Risk schemes for those with previous Bad Credit Score. No Deposit available, as well as our latest Pay As You Go Car Finance alternative.

    Please feel free to get in contact with us today, we look forward to being able to help.

    Dan, Graham & Chris

    To find out more please click on the “about us” section.



    Lowest Car Loan Interest Rate 2013 – My Best Car Dealer – Year End Promotion #car #hire #portugal


    #car loan interest rate
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    S.Sueilan says:

    Salam, Tuan saya ingin membeli sebuah kereta buatan Honda iaitu Jazz i-vtec dalam awal Januari ini (selepas menerima bonus untuk di jadikan D/P dalam lingkungan 5k) Masalah saya sekarang adalah :

    1. Saya bekerja (sebuah syarikat) dengan gaji di bayar secara tunai (atas permohonan saya sendiri). Dan tabiat saya adalah memecahkan wang-wang berkenaan kepada akauan ASB,Bank Islam dan RHB mengikut keselesaan saya pada bulan tersebut. Ini bermakna saya tidak mempunyai penyata akaun bank untuk di buktikan gaji masuk saya. Adakah ini boleh di pertimbangkan? Gaji saya basic 2200 + 300(elaun) 120 (potongan PTPTN). Saya hanya ada penyata Slip gaji dan KWSP sahaja untuk di buktikan.

    2. Saya mempunyai komitmen untuk akaun ASB 1 monthly dalam 136.70 dan akaun ASB 2 dan monthly sebanyak 300.00 dan pembiayaan peribadi Al Rajhi monthly 198.00. Saya juga ada menjadi penjamin untuk Ibu saya bagi memohon pembiayaan perniagaan dari BSN untuk jumlah 20k. Adakah menjadi penjamin juga di kira sebagai komitmen bulanan?

    3. Berapakah interest yang boleh di katakan hebat boleh Tuan cubakan untuk saya?



    Bad Credit Loans – HIGHEST APPROVAL RATE – Personal Loans #car #rental #sydney


    #car loans for people with bad credit
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    Bad Credit Loan Center ™

    At Bad Credit Loan Center ™ we believe in second chances. We know that good people do fall on hard times and in this economy it’s not easy to find help.

    Our goal is to make your process of finding a loan as stress free and easy as possible. Whether you’re looking for a cash loan, an auto loan, debt consolidation or credit cards we can help.

    It takes less than 3 minutes to complete an application and usually with in a couple hours a lender will contact you if you’re approved. It doesn’t matter if you’re looking for bad credit loans or good credit loans we can help you find a lender. Bad Credit Loan Center ™ provides a loan matching service only and is not a lender.

    For cash loans just click the “Apply Here” button directly above. You will instantly be taken to our 256bit COMODO ™ encrypted secure application.

    If you’re looking for an auto loan, debt consolidation, payday loans online or credit cards please use the navigation bar at the top of this page. For more information about us please visit the about link in the footer of this page.



    Car Hire Melbourne – Enjoy Best Rate at VroomVroomVroom #sell #used #car


    #car hire melbourne
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    Compare a Cheap Car Hire in Melbourne – It’s Fast and Easy!

    Book a rental car today for your flexibility and convenience

    Maybe you need a car hire from Melbourne Airport. With so many worthwhile benefits to booking a vehicle, you’d be crazy not to do that! If you aren’t convinced that a rental car is for you, below are a few reasons why many people prefer booking a car rental in Melbourne through VroomVroomVroom.

    Flexibility  – Booking a car hire Melbourne gives you the ability to explore the town whenever, and wherever you please. There is no need to plan your day around timetables with a rental car.

    You have the means and the time to move around the city at your leisure, making it less stressful and more yes, yes, yes!

    Freedom  – Moving around the city is a breeze in a rental car and better yet, you have the ability to take stuff with you. There will be no trying to catch a bus or train with your days worth of retail therapy if you book a hire car.

    With room to store all your new-found bargains, you’ll never go anywhere without car hire again.

    NO Cancellation Fees  – If you book your car rental Melbourne with VroomVroomVroom and have to cancel it, we will not charge you. With that in mind, book away with the knowledge that if your plans change, no money will come out of your pocket.

    Savings  – Booking early through VroomVroomVroom offers you so many savings, you’d be crazy not to take advantage! We compare the rates of all the top car rental suppliers so you can see what the best rates are on the car category you want.

    Locations – Rental cars are available from a number of car hire locations in the city, so you are not limited to collecting a car from the city or airport. Our customer service team will be able to help you find the most convenient pickup location for you. Click Here to contact us, if you need help when booking a car.

    Do you prefer booking a Campervan Hire in Melbourne?

    Book a campervan or motorhome with VroomVroomVroom and you can save up when you compare rates that are currently available in Melbourne. Click Here to save up on a campervan hire today.

    Want to know what our car hire customers have to say?

    Our goal is to make booking a rental car as easy as possible. Here is a recent review that one of our customers decided to send to us. If you have any feedback on how your hire car booking went, please also feel free to share it with us. We want to hear from you!

    Want more info on Suppliers in Melbourne?

    Avis Great Competitive Rates

    Save when using Avis for Great Competitive Rates Australia-wide. Your discount will already be calculated and deducted from your screen quote. View Avis Great Competitive Rates.

    Budget’s best rates available online!

    Budget is proud to offer a wide range of vehicles, quality service and great value in car hire. Book online today to receive our best rates and start saving! View Budgets best rates available online.

    Europcar Web Deals

    Europcar has a fantastic list of latest model cars to offer. It doesn’t matter what type of vehicle you need, Europcar’s huge rental fleet will certainly have something to offer you. Audi, Ford, Suburu, Nissan, Mazda, Toyota are just a few. View Europcar Web Deals.

    Hertz Web Deals

    Affordable rates across all Australian locations and vehicles. Hertz rental car has a wide range of fleet vehicles ranging from small, medium and family cars, wagons to people movers. View Hertz Web Deals.

    Find the rate prices on Thrifty vehicles. Up-to-the-second Discounts are calculated and shown live on your on-screen quote summary. View Thrifty Deals.