#without insurance it’s 12000

[quemirabobo]

It's amazing how the national 70% discount on meds doesn't apply to any that I have to take

[roomsbyadverbzine]

half bakery (aka why not) [0x763]

written by Angela Isaakidou | διάβασέ το στα ελληνικά εδώ

Eternity is now a reality!

Who said you need a body to live? With Afterlife™ you live forever!

Upload your consciousness to Afterlife™ and live with all your loved ones forever!

Communicate with the living people of your life at any time! It really works!

Don't miss the opportunity to live forever! Eternity suits us! Eternity is what we deserve!

(Subscription to the service: 12000 eternally. Contact your own insurance company to see the corresponding offers)

My dear grandfather,

It is strange that I am writing you this letter. I haven't had a real notebook in my hands for years. As I drag my pencil across the paper and watch its blunt nose shrink, I feel like I'm paying homage to your teenage self. I finally understand why your eyes glowed so beautifully under the artificial light in the emergency room when you talked about 2017 and your little black notebook. I thought it was silly, almost primitive to sit and write, but now I understand. My hand, as if it has a brain of its own, writes on its own before my head has time to think. I feel like I have a magical power that allows me to create something eternal and temporary at the same time.  

Right now you are sitting next to me on your white bed, your crazy bed as you keep calling it. You're sleeping peacefully, curled up like a baby. A moment ago you opened your tiny eyes and asked me, "What day is it, Mommy?" I didn't have time to answer you, you went back to sleep.

It's strange how even though we will meet again, relive it all over again, in a dimension we don't have the intelligence to comprehend, it hurts me to say goodbye to yourself in this body. I remember you saying that in this world we have numbered days and that's the way it should be. One day you told me that we are born into this world to love and write poems. You laughed and as your smile faded, you said that somewhere around 40 you lost your instruction manual and instead of poems you were drawing floor plans in Rhino and instead of love you had anxiety.

Ever since I can remember, you've had a worried look on your face and made hasty movements. You rarely calmed down, but when you did, you'd open your tablet and read "whatever I'm in the mood for at last." I'll never forget the first time I saw you cry. I was dancing Carmen, a role Grandma used to dance beautifully. Your favorite role from your favorite play. As soon as I got off the stage, I ran to say hello to you, Mom and the others. You said excitedly, "I wish your grandmother was here. She would have been so happy to see you dance..."

Just before you completely lost it, you vehemently refused to be uploaded to Afterlife. You may have never been able to tell me why, but I understood... I wouldn't want to be in an unknown place either, unknowable, dark and cold with all the people, or what was left of them, without the love of my life.

I love you very much, Grandpa.

I love you now. Truly, with my beating heart.

My great-grandfather was born in a village many years before the political transition. He was one of those who never thought he would live to be old. And yet he has reached the age of 126. Before he lost it completely, he barely spoke. All I knew about him was that he studied architecture, skated too much in his youth and that he was part of the last generation to eat chocolate. When he got Alzheimer's he talked incessantly, but only to me. That's when I also learned that my great-grandfather was a poet. A romantic, educated man who wrote in real pencil until he forgot his name.

He died on April 19, 2126, my birthday.

I read him my letter, he smiled. He took my hands, kissed them, and as he closed his eyes I realized that the last face he saw was Grandma's.

Angela Isaakidou is from Kavala, she studies in Ioannina. She shares stories usually with dance, she decided to try with writing. this is a machine-translation, later edited by humans.

photos: Fani Tranou | featuring: Stella Parastatidou, Christos Vogiatzis | graphic design: Stratos Politis | a&r: Konstantinos Karaiskos

[milky-holmes]

Today I had a surgery consultation to get top surgery. I'm super excited since I really wanna get it asap but only issue is money and my weight. They said that they can do the surgery at my current weight but since I still have the birth control implant in and that's caused me to gain a fuckton of weight, if I end up getting it out and losing weight after the surgery I will need to get a revision surgery later on which I can't afford. And as for the money issues... I had originally planned on withdrawing my super to pay for it (it would've covered about half the cost & I've saved up the other half) but my job still hasn't paid my super for over a year and even if they do pay it sometime soon I won't know how much they will actually deposit, and then I'll have to go through the paperwork to get it out too and god knows how long that will take. And I also need to save up enough money to cover me while I'm off work recovering too which I hadn't factored in so basically I'm fucked and won't be able to get top surgery anytime soon sob T_T

I really wanted to get the surgery sometime this year because next year I want to go back to uni and study to become a teacher and it's always been my dream to experience school/uni as a man, which atm will be really difficult since I can't bind well because of my build (I'm very small but I have insanely huge boobs). OTL

I'm going to try to find some health insurance that will cover it but without the 12 month waiting period so that way I'm only $7000 out of pocket instead of $12000 but I'm not hopeful. If anyone wants to help me out with funds you can donate through PayPal: paypal.me/sinanoki

[samparkindialogistics]

Top Logistics Company in India for shipping Goods

There are several logistics companies in India that can help you ship eCommerce goods or any type of good. Some provide door-to-door services, while others offer their shipping fleet. Whatever your company's reason for shipping products, there is a right fit for your needs. Here is an overview of top logistics company in India that provides excellent services and shipping solutions.

Since time immemorial, logistics companies in India have been vital to the country. Logistics solutions have come a long way, from transporting big and heavy goods from one state to now carrying almost everything via eCommerce.

Without a strong network of logistics partners, the retail sector is incomplete. They are actual fulfillment drivers and a significant factor in the success of eCommerce and related industries.

These top logistics companies have a more technologically advanced infrastructure with competitive pricing to meet the needs of eCommerce industries selling solely on platforms such as social media, eCommerce websites, cart software, and so on.

Shipping companies or logistics partners strive to provide a comprehensive fulfillment approach and to create a streamlined operation for all post-purchase eCommerce tasks.

Sampark India logistics cares about all your shipping needs

Sampark India Logistics - Sampark India Logistics is India’s leading provider and distributor of integrated logistics services. They have 2750 + happy clients, 15 + owned vehicle, cover 12000 pin codes and 13+ awards. They are pleased to introduce themselves as a one-stop solution for all of your shipping needs, impressing customers with comprehensive logistics solutions that combine technology, skilled manpower, and transportation facilities. When you partner with Sampark India Logistics, you get a value-driven partner who focuses on providing quality service to their clients and can automate the delivery process while optimizing efficiency and lowering costs across the supply chain. 

Here are a few of the top advantages of working with a Logistics Specialist:

Ensure business growth - A dependable logistics provider is essential to success. It is common for business owners to realize that fulfilling and delivering orders oneself has hidden costs (such as warehousing procurement, expensive shipping rates, shipping insurance, and packing materials) that chip away at their revenues and limit their ability to expand.

You can increase profit margins and free up time to focus on other revenue-generating activities like marketing, customer engagement, and product development by outsourcing time-consuming and expensive logistics management operations to a 3PL firm.

A network of partners - Top logistics service providers have integrations with a variety of partners who can support almost every aspect of e-commerce logistics and create end-to-end e-commerce solutions. These partners specialize in logistics-related tasks such as Inventory and order management, customized packaging, return management, etc. When it comes to shipping, the right 3PL will work closely with the major carriers to ensure discounts on bulk shipping and allow the savings to be returned to customers.

Optimization of workflows - With distribution platforms that satisfy both local and international logistics, the ideal logistics service provider can provide the infrastructure and technology to optimize the supply chain, streamline workflows, and reduce redundancy. You may automate numerous time-consuming logistics operations and reduce the amount of time it takes to complete and dispatch an order by utilizing a 3PL's strong infrastructure.

Orders are immediately dispatched to the closest fulfillment center with inventory by connecting your online store to a 3PL system. A fulfillment specialist then chooses packs and sends the purchase to your customer on your behalf as part of the retail fulfillment process. The complete transportation management system for each order that comes into and leaves the warehouse is likewise under the control of third-party logistics providers.

Experience - With years of experience dealing with thousands of Company a worldwide logistic service provider can give the knowledge and assistance required to assist you in making wiser decisions as your company grows. For instance, a skilled 3PL can assist you in determining where to store your product so that you can reach your consumer base more quickly and affordably.

The retail supply chain has many moving pieces, so working with a logistics service provider with an experienced customer support team can also help you rapidly handle problems so you can concentrate on other crucial business requirements.

Conclusion - Finally, companies use logistics services for product delivery and supply of raw materials, goods, and equipment to both the manufacturer and the consumer. And always finding someone how can manage these things. Keeping this in mind, we want to tell you about Sampark India which is famous for its logistics service and for more information visit - https://silpl.rathigroup.info/

[financial58]

As a Financial Advisor What is The Most Common Mistake You See People Making With Their Personal Finances

Life is full of financial pitfalls. Even with the best of intentions, it’s easy to make financial mistakes. But it’s not just about the mistakes you’re making — it’s the opportunities you could be missing.

The good news is it’s never too late to recover from these mistakes, and it’s never too soon to learn how to avoid them! Let’s look at the most common financial mistakes to avoid and how to steer away from them.

Going Without a Plan (or a Budget)

One common financial mistake is failing to build a financial plan or a budget. 

Your financial plan is your road map to accomplish your financial goals. It’s about establishing SMART (specific, measurable, achievable, relevant, time-bound) goals and an investment and savings strategy to get you there. Meeting with a financial planner is often recommended for a strong start. 

Your budget is how you allocate your income every month. A strong budget helps ensure you’re taking care of your needs and living within your means, as well as allocating funds to your wants, debt repayment, and investments in your future. 

One good rule of thumb to use when establishing a budget is the 50/30/20 rule: 

· 50% for needs (housing, car, healthcare, etc.)

· 30% for wants (entertainment, etc.)

· 20% to savings, debt repayment, and investments 

Depending on your available income, financial goals, and stage of your career, flexibility is important. If you can comfortably allocate more than 20% of your income to savings and investment, you’ll be better off over the long term. 

Leaving Money on the Table

Does your employer offer to match funds for your 401K retirement plan? Do they offer you the opportunity to buy a stock at a discount? Don’t leave free money on the table!

Many employers offer a 401K program as part of your benefits package, and some will match your contributions up to a point. If your employer offers to match your retirement contributions up to 3% of your income and you don’t take advantage of it, it’s like turning down part of your pay. 

If you have life insurance or similar benefits through your employer, make sure you list a beneficiary on them. Your benefits package is part of your compensation—you want to ensure you maximize all potential benefits you receive. 

Preceding Life Insurance

No one wants to think about their mortality. Don’t let that force you into the mistake of not financial planning for the security of your loved ones if something unexpected happens. 

The average funeral in 2021 is expected to cost between $7500 and $12000. Life insurance will help your family handle the expenses incurred if you pass away, as well as ensure they have the resources to get through a difficult transition after you’re gone. 

Life insurance is often inexpensive for adults in good health, and the peace of mind it offers is priceless. Knowing your loved ones have the resources to thrive after you’re gone is one of the smartest moves you can make. 

Making Major Purchases Without Comparison Shopping

When it comes to recurring expenses such as car insurance, consumers often stick with what they have. However, it pays to shop around. Consumers who review their accounts before renewing and comparison shops can often save hundreds of dollars per year! Even if you stick with the same company, review your coverage to see if you’re carrying more insurance than necessary. GO URL

Maintaining Unused Services & Memberships

How many streaming services do you use? Like many Americans, you may not even realize how many recurring payments are coming out of your account. Among Americans who utilize streaming services, the average consumer wastes $348 per year on services they don’t even use. 

It’s a good idea to go through your bank account periodically and highlight recurring payments such as gym memberships or streaming services. There are even apps you can download for this purpose. Think carefully about whether you use each service enough to be worth the expense. While each payment may only be 10 or 20 bucks, these can add up to hundreds of dollars every year. GO URL

Choosing Not to Invest in Your Future

Not putting your money to work is a huge financial mistake. The best way to meet long-term financial goals is with a smart investment strategy that takes advantage of not only your 401K but tax-advantaged programs such as an Individual Retirement Account. Where possible, diversify your investment portfolio by participating in programs such as peer-to-peer lending. 

The earlier you begin to invest, the better off you’ll be later. However, it’s never too late to implement an investment strategy that meets your long-term financial goals. A qualified financial advisor can help you develop a strategy balancing risk with a return based on your goals and timeframe. 

Buying a New Car

Just because you can afford the payment doesn’t mean you should buy a new car. Cars are depreciating assets, which means they drop in value as they age. A new car loses 20-30% of its value in the first year of ownership. Depreciation slows down after the first year or two, so a used vehicle is usually better than a new vehicle. 

Many manufacturers offer certified pre-owned vehicles, which are typically two to three years old with low mileage. These programs usually include a full overhaul of the vehicle and a manufacturer warranty. You get the advantages of a new car for a much better value, and all you give up is the new car smell. 

Overusing Credit Cards

One of the most common financial traps, especially for individuals in the early stages of their adult life, is accumulating credit card debt. A credit card is a powerful tool to help build your credit history, but a high credit limit can encourage living beyond your means. Many people don’t realize that the minimum payment generally only covers interest. While many Americans carry debt from student loans or car loans, stacking credit card debt on top of other debt causes much financial stress. 

Responsible use of credit cards can provide many benefits, but you’ll want to avoid getting in over your head. However, if you’re already carrying big credit card balances, it’s not too late to recover! Consider using a personal loan or a credit card with a low balance transfer interest rate to knock down those balances. Then find a card with a solid rewards program and a reasonable interest rate to use for everyday purchases while paying it off every month to improve your credit score. GO URL

Letting Your Credit Report Go Unmonitored

Even if you’re careful with your credit, it’s important to regularly monitor your credit reports and ensure that you’re responsible for all the items on them. Identity theft is a growing type of crime, and it’s also possible that a creditor or the credit bureau could make an error that reflects poorly on your credit. 

You’re entitled to a free credit report from each of the three credit bureaus once every year, which you can request via reikikabbalah.com. You may dispute any incorrect items, and the credit bureau will investigate each disputed item. 

Reluctance to Pursue Financial Education

Most public schools offer very limited education on personal finances, so many Americans get by with what their parents taught them and what they pick up along the way. It’s easy to think you’ve got things handled, but by learning more about financial literacy and best practices, you could avoid many financial mistakes and find your path to financial well-being. You’re already doing so by reading our blog, and we’re so glad you’re here and taking steps to learn!

The good news is there have never been so many free ways to learn to be a financial maestro! Whether you prefer to read blogs, watch videos, or listen to podcasts, educating yourself is best to avoid making financial mistakes.

[financial45]

As a Financial Advisor What is The Most Common Mistake You See People Making With Their Personal Finances

Life is full of financial pitfalls. Even with the best of intentions, it’s easy to make financial mistakes. But it’s not just about the mistakes you’re making — it’s the opportunities you could be missing.

The good news is it’s never too late to recover from these mistakes, and it’s never too soon to learn how to avoid them! Let’s look at the most common financial mistakes to avoid and how to steer away from them.

Going Without a Plan (or a Budget)

One common financial mistake is failing to build a financial plan or a budget. 

Your financial plan is your road map to accomplish your financial goals. It’s about establishing SMART (specific, measurable, achievable, relevant, time-bound) goals and an investment and savings strategy to get you there. Meeting with a financial planner is often recommended for a strong start. 

Your budget is how you allocate your income every month. A strong budget helps ensure you’re taking care of your needs and living within your means, as well as allocating funds to your wants, debt repayment, and investments in your future. 

One good rule of thumb to use when establishing a budget is the 50/30/20 rule: 

· 50% for needs (housing, car, healthcare, etc.)

· 30% for wants (entertainment, etc.)

· 20% to savings, debt repayment, and investments 

Depending on your available income, financial goals, and stage of your career, flexibility is important. If you can comfortably allocate more than 20% of your income to savings and investment, you’ll be better off over the long term. 

Leaving Money on the Table

Does your employer offer to match funds for your 401K retirement plan? Do they offer you the opportunity to buy a stock at a discount? Don’t leave free money on the table!

Many employers offer a 401K program as part of your benefits package, and some will match your contributions up to a point. If your employer offers to match your retirement contributions up to 3% of your income and you don’t take advantage of it, it’s like turning down part of your pay. 

If you have life insurance or similar benefits through your employer, make sure you list a beneficiary on them. Your benefits package is part of your compensation—you want to ensure you maximize all potential benefits you receive. 

Preceding Life Insurance

No one wants to think about their mortality. Don’t let that force you into the mistake of not financial planning for the security of your loved ones if something unexpected happens. 

The average funeral in 2021 is expected to cost between $7500 and $12000. Life insurance will help your family handle the expenses incurred if you pass away, as well as ensure they have the resources to get through a difficult transition after you’re gone. 

Life insurance is often inexpensive for adults in good health, and the peace of mind it offers is priceless. Knowing your loved ones have the resources to thrive after you’re gone is one of the smartest moves you can make. 

Making Major Purchases Without Comparison Shopping

When it comes to recurring expenses such as car insurance, consumers often stick with what they have. However, it pays to shop around. Consumers who review their accounts before renewing and comparison shops can often save hundreds of dollars per year! Even if you stick with the same company, review your coverage to see if you’re carrying more insurance than necessary. GO URL

Maintaining Unused Services & Memberships

How many streaming services do you use? Like many Americans, you may not even realize how many recurring payments are coming out of your account. Among Americans who utilize streaming services, the average consumer wastes $348 per year on services they don’t even use. 

It’s a good idea to go through your bank account periodically and highlight recurring payments such as gym memberships or streaming services. There are even apps you can download for this purpose. Think carefully about whether you use each service enough to be worth the expense. While each payment may only be 10 or 20 bucks, these can add up to hundreds of dollars every year. GO URL

Choosing Not to Invest in Your Future

Not putting your money to work is a huge financial mistake. The best way to meet long-term financial goals is with a smart investment strategy that takes advantage of not only your 401K but tax-advantaged programs such as an Individual Retirement Account. Where possible, diversify your investment portfolio by participating in programs such as peer-to-peer lending. 

The earlier you begin to invest, the better off you’ll be later. However, it’s never too late to implement an investment strategy that meets your long-term financial goals. A qualified financial advisor can help you develop a strategy balancing risk with a return based on your goals and timeframe. 

Buying a New Car

Just because you can afford the payment doesn’t mean you should buy a new car. Cars are depreciating assets, which means they drop in value as they age. A new car loses 20-30% of its value in the first year of ownership. Depreciation slows down after the first year or two, so a used vehicle is usually better than a new vehicle. 

Many manufacturers offer certified pre-owned vehicles, which are typically two to three years old with low mileage. These programs usually include a full overhaul of the vehicle and a manufacturer warranty. You get the advantages of a new car for a much better value, and all you give up is the new car smell. 

Overusing Credit Cards

One of the most common financial traps, especially for individuals in the early stages of their adult life, is accumulating credit card debt. A credit card is a powerful tool to help build your credit history, but a high credit limit can encourage living beyond your means. Many people don’t realize that the minimum payment generally only covers interest. While many Americans carry debt from student loans or car loans, stacking credit card debt on top of other debt causes much financial stress. 

Responsible use of credit cards can provide many benefits, but you’ll want to avoid getting in over your head. However, if you’re already carrying big credit card balances, it’s not too late to recover! Consider using a personal loan or a credit card with a low balance transfer interest rate to knock down those balances. Then find a card with a solid rewards program and a reasonable interest rate to use for everyday purchases while paying it off every month to improve your credit score. GO URL

Letting Your Credit Report Go Unmonitored

Even if you’re careful with your credit, it’s important to regularly monitor your credit reports and ensure that you’re responsible for all the items on them. Identity theft is a growing type of crime, and it’s also possible that a creditor or the credit bureau could make an error that reflects poorly on your credit. 

You’re entitled to a free credit report from each of the three credit bureaus once every year, which you can request via reikikabbalah.com. You may dispute any incorrect items, and the credit bureau will investigate each disputed item. 

Reluctance to Pursue Financial Education

Most public schools offer very limited education on personal finances, so many Americans get by with what their parents taught them and what they pick up along the way. It’s easy to think you’ve got things handled, but by learning more about financial literacy and best practices, you could avoid many financial mistakes and find your path to financial well-being. You’re already doing so by reading our blog, and we’re so glad you’re here and taking steps to learn!

The good news is there have never been so many free ways to learn to be a financial maestro! Whether you prefer to read blogs, watch videos, or listen to podcasts, educating yourself is best to avoid making financial mistakes.

[financial55-blog]

As a Financial Advisor What is The Most Common Mistake You See People Making With Their Personal Finances

Life is full of financial pitfalls. Even with the best of intentions, it’s easy to make financial mistakes. But it’s not just about the mistakes you’re making — it’s the opportunities you could be missing.

The good news is it’s never too late to recover from these mistakes, and it’s never too soon to learn how to avoid them! Let’s look at the most common financial mistakes to avoid and how to steer away from them.

Going Without a Plan (or a Budget)

One common financial mistake is failing to build a financial plan or a budget. 

Your financial plan is your road map to accomplish your financial goals. It’s about establishing SMART (specific, measurable, achievable, relevant, time-bound) goals and an investment and savings strategy to get you there. Meeting with a financial planner is often recommended for a strong start. 

Your budget is how you allocate your income every month. A strong budget helps ensure you’re taking care of your needs and living within your means, as well as allocating funds to your wants, debt repayment, and investments in your future. 

One good rule of thumb to use when establishing a budget is the 50/30/20 rule: 

· 50% for needs (housing, car, healthcare, etc.)

· 30% for wants (entertainment, etc.)

· 20% to savings, debt repayment, and investments 

Depending on your available income, financial goals, and stage of your career, flexibility is important. If you can comfortably allocate more than 20% of your income to savings and investment, you’ll be better off over the long term. 

Leaving Money on the Table

Does your employer offer to match funds for your 401K retirement plan? Do they offer you the opportunity to buy a stock at a discount? Don’t leave free money on the table!

Many employers offer a 401K program as part of your benefits package, and some will match your contributions up to a point. If your employer offers to match your retirement contributions up to 3% of your income and you don’t take advantage of it, it’s like turning down part of your pay. 

If you have life insurance or similar benefits through your employer, make sure you list a beneficiary on them. Your benefits package is part of your compensation—you want to ensure you maximize all potential benefits you receive. 

Preceding Life Insurance

No one wants to think about their mortality. Don’t let that force you into the mistake of not financial planning for the security of your loved ones if something unexpected happens. 

The average funeral in 2021 is expected to cost between $7500 and $12000. Life insurance will help your family handle the expenses incurred if you pass away, as well as ensure they have the resources to get through a difficult transition after you’re gone. 

Life insurance is often inexpensive for adults in good health, and the peace of mind it offers is priceless. Knowing your loved ones have the resources to thrive after you’re gone is one of the smartest moves you can make. 

Making Major Purchases Without Comparison Shopping

When it comes to recurring expenses such as car insurance, consumers often stick with what they have. However, it pays to shop around. Consumers who review their accounts before renewing and comparison shops can often save hundreds of dollars per year! Even if you stick with the same company, review your coverage to see if you’re carrying more insurance than necessary. GO URL

Maintaining Unused Services & Memberships

How many streaming services do you use? Like many Americans, you may not even realize how many recurring payments are coming out of your account. Among Americans who utilize streaming services, the average consumer wastes $348 per year on services they don’t even use. 

It’s a good idea to go through your bank account periodically and highlight recurring payments such as gym memberships or streaming services. There are even apps you can download for this purpose. Think carefully about whether you use each service enough to be worth the expense. While each payment may only be 10 or 20 bucks, these can add up to hundreds of dollars every year. GO URL

Choosing Not to Invest in Your Future

Not putting your money to work is a huge financial mistake. The best way to meet long-term financial goals is with a smart investment strategy that takes advantage of not only your 401K but tax-advantaged programs such as an Individual Retirement Account. Where possible, diversify your investment portfolio by participating in programs such as peer-to-peer lending. 

The earlier you begin to invest, the better off you’ll be later. However, it’s never too late to implement an investment strategy that meets your long-term financial goals. A qualified financial advisor can help you develop a strategy balancing risk with a return based on your goals and timeframe. 

Buying a New Car

Just because you can afford the payment doesn’t mean you should buy a new car. Cars are depreciating assets, which means they drop in value as they age. A new car loses 20-30% of its value in the first year of ownership. Depreciation slows down after the first year or two, so a used vehicle is usually better than a new vehicle. 

Many manufacturers offer certified pre-owned vehicles, which are typically two to three years old with low mileage. These programs usually include a full overhaul of the vehicle and a manufacturer warranty. You get the advantages of a new car for a much better value, and all you give up is the new car smell. 

Overusing Credit Cards

One of the most common financial traps, especially for individuals in the early stages of their adult life, is accumulating credit card debt. A credit card is a powerful tool to help build your credit history, but a high credit limit can encourage living beyond your means. Many people don’t realize that the minimum payment generally only covers interest. While many Americans carry debt from student loans or car loans, stacking credit card debt on top of other debt causes much financial stress. 

Responsible use of credit cards can provide many benefits, but you’ll want to avoid getting in over your head. However, if you’re already carrying big credit card balances, it’s not too late to recover! Consider using a personal loan or a credit card with a low balance transfer interest rate to knock down those balances. Then find a card with a solid rewards program and a reasonable interest rate to use for everyday purchases while paying it off every month to improve your credit score. GO URL

Letting Your Credit Report Go Unmonitored

Even if you’re careful with your credit, it’s important to regularly monitor your credit reports and ensure that you’re responsible for all the items on them. Identity theft is a growing type of crime, and it’s also possible that a creditor or the credit bureau could make an error that reflects poorly on your credit. 

You’re entitled to a free credit report from each of the three credit bureaus once every year, which you can request via reikikabbalah.com. You may dispute any incorrect items, and the credit bureau will investigate each disputed item. 

Reluctance to Pursue Financial Education

Most public schools offer very limited education on personal finances, so many Americans get by with what their parents taught them and what they pick up along the way. It’s easy to think you’ve got things handled, but by learning more about financial literacy and best practices, you could avoid many financial mistakes and find your path to financial well-being. You’re already doing so by reading our blog, and we’re so glad you’re here and taking steps to learn!

The good news is there have never been so many free ways to learn to be a financial maestro! Whether you prefer to read blogs, watch videos, or listen to podcasts, educating yourself is best to avoid making financial mistakes.

[scentedrunawayshark]

The Pros and the Cons of Obamacare

When Congress approved the original Patient Protection and Affordable Care Act, 2010 (known as ACA or OBAMACARE) their aim was to-

Enable all American citizens to obtain the healthcare they need

Lower the costs of treatment and care for the individual

Ensure the quality and availability of treatment and care

Control the costs of the Medicare and Medicaid programs budget

IN 2010

The Medicare and Medicaid programs were forecast to exceed the total federal budget within a generation.

Emergency hospital treatment could cost $3000 or more.

Elective treatment such as a hip replacement could cost $ 12000.

Healthcare costs were the No. 1 cause of personal bankruptcy in the USA.

Unpaid medical bills were charged to an emergency Medicaid budget, thus contributing to the soaring costs shouldered by the public at large

THE ACT (OBAMACARE)

Congress recognised the need to

spread the cost of healthcare over the lifetime of the individual and across the whole population

encourage the use of preventative treatment to avoid future chronic conditions

ensure that health programs deliver essential healthcare benefits

offer a choice of service levels and delivery options

provide for those not reasonably able to fully contribute to the program, e.g. dependent children, seniors and sufferers from certain chronic illnesses

TODAY

Over 80% of American citizens are covered by health insurances either as individuals or as members of a group (usually as an employee).

The health insurance marketplace is regulated by the Department of Health and Human Services (DHSS) among others, but is the government ‘health insurance exchange’ (healthcare.com). There are other exchanges, state exchanges and private health insurance exchanges, none of whom can offer less favourable conditions than the government exchange but MAY offer a wider range of coverage and service level options.

This approach is intended to increase the competition in the health insurance marketplace without reducing the quality and availability of care.

The ‘exchanges’ create a marketplace for individuals and companies to choose health insurance providers offering competitive policies that meet the appropriate regulations.

It remains an option to deal directly with an insurer of choice ‘off exchange’ but they will not be able to offer premium tax relief or other state or federally funded benefits.

THE OUTCOME

Evidence suggests that insured individuals and their dependents are taking advantage of the reduced costs of preventative care, especially for paediatric services, which include dental and vision coverage.  Critically they have more confidence in meeting unexpected medical expenses.

The exchanges allow all enquirers to compare insurance plans on an apples for apples basis and let you know if you are entitled to tax credits. All new plans must provide the same ten essential benefits (apples for apples!).

Under OBAMACARE more families benefit from Medicare and even families with four times the federal poverty level may be entitled to subsidies on monthly premiums and reduced co-payments and deductibles. (This varies from state to state. Check with your chosen exchange)

THE CRITICS

A significant number of people question the right of either Federal or State governments to legislate for individuals to have or for employers to subsidize health insurance coverage?

Similarly, people question why the government should subsidize families with incomes up to four times the national poverty level?

[ethootinscal1976]

triple a insurance fresno

BEST ANSWER: Try this site where you can compare quotes from different companies :cheapinsurance4you.xyz

triple a insurance fresno

triple a insurance fresnoise) and it s not hard to find an agent. They have a staff dedicated to your car. They take your car care of with great service. The auto insurance quotes is not at all the average. In fact, it doesn t even offer a single car insurance quote for a single company. Allowing your car to be driven away - especially without even a receipt to prove you ve done so - it s a simple procedure you can do with very little effort. It’s always recommended to carry a quote of at least $40 per month for a minimum coverage. You may never think if you need it at all in the event you can t find it... But if you do, don t forget to start saving before the insurance company takes hold. For more detailed information, weigh the costs and advantages in this guide. The insurance quotes on this website are provided for our prospective clients so that they can be used to get a cheaper car. Although the. triple a insurance fresno is $800$000!!! There is NOTHING like that anywhere else and that is why they charge so much for insurance insurance, and if you want more money on your car insurance then that is when that is how you pay for insurance, you pay for insurance, then what are you going to get with a $12000 deductible!!! Thats an insurance scam! It is insurance! I paid on a new car, and I was told I was to insure one of those new cars. And, I am a very good insurance provider but I have no insurance company, and I have never heard of that having better coverage on the car! I decided that it was better to go with the minimum insurance. Well, I m paying $12,000+ in insurance!!! And my insurance goes through it at least twice a year!!!! The best insurance is at the beginning to get coverage that will pay off all the bills in a couple. Just think about it because I am a very good Insurance provider. triple a insurance fresno. Covered losses for comprehensive policies: mortgage, $50,000 of personal property, $25,000 (depends on property) and $100,000 of liability property, plus $65,000 of commercial property damage. property damage to private property: $2.5 million plus $2.5 million (depends on property damage) and $25,000 of property taxes worth $50,000. If you own at least one of these vehicles, you’ll need to include these limits in your policy: $25,000 for bodily injury per person or $50,000 total·$50,000 for bodily injury per accident$25,000 for any one person over the age of 55 years $100,000 per person/ $300,000 total $40,000 for property damage Couples in our analyses were 50-year-old men and.

Triple A Insurance

Triple A Insurance, and triple A Insurance has been in business since 1989. The company is primarily known nationally, and it has subsidiaries in 10 states including Alabama, Indiana, Kansas, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New North Carolina, Pennsylvania, Tennessee, Texas and Pennsylvania. Triple A also is an A+ rated and has a . Triple A Insurance is consistently ranked as one of the best auto insurance carriers and is one of the few nationwide insurers which does not provide coverage for drivers with a criminal record. Triple A’s coverage is not available in all states. The company only provides insurance policies for high-risk drivers who would be unable to find coverage elsewhere. Triple A’s coverage is very limited. It only provides coverage for drivers with a history of accidents, but no other violations. In addition, you can choose to add insurance protection that includes the following when you purchase an insurance policy: Insurance coverage for vehicles is offered by Triple.

Una respuesta a “Triple A Insurance”

Una respuesta a “Triple A Insurance”, an insurance company that is a one‑size-fits-all. An employee has different needs, and this is why insurance companies have different kinds of premiums and coverage, and this coverage is designed to protect a company’s assets. An employee could use a company’s name insurance to pay for damages and expenses incurred while using their company’s name insurance. For example, if the employee’s company name is paid, the company’s name will be used to pay the first $5,000 of the damages on the first day of their term. We want our policyholders to be able to compare insurance companies at the push of a button with the click of a button to buy a policy from any insurance company. From car insurance quotes to home insurance and more, we can help get you the best rates in Ohio. Get your free, personalized quotes today and discover the right coverages at the most competitive price.

KV Freeway Auto Insurance Fresno Ca 4 I

KV Freeway Auto Insurance Fresno Ca 4 IWI, CA 95112 or 86049 and live about 2 km from me. No matter where you take over to purchase insurance and drive your car, you will pay the same when you need it. I always keep a huge amount of insurance on my vehicle in order to protect me and my family. That being said, I do check and write in various parts of the state and California. If I want to pay more on my policy, I can just use an out of state insurer. We all know how expensive it is for an independent insurance agent. My insurance company doesn t like us and is offering to drop us if we get into a wreck. I ve been with them in several years and can say they have handled my claim. Beth 18 years old, Fresno CA. I am on average $300/month. 2yrs ago 3.

[rachellamberts1990-blog]

volkswagen car insurance uk

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancetocompare.info

volkswagen car insurance uk

volkswagen car insurance uk ? I am a pilot insurance policy holder and one of those who is a mechanic. I use my car in an accident in front of me and there is a glass of my car and one window, and it is all a little glass-free. And I’m a pilot as well. I use my car as my primary home. When I go somewhere and go to a doctor on a routine check of my car that is being fixed I am on my way. I have a car that I started in 1973-1974. It was at my house and I had been driving it for 12 years (when I was 17). I have never had a broken engine or any other accident, and was just cruising at night and I ran into something. I saw it a month ago and went to call to confirm and they told me that I wasn’t insured but in a local office. The local GM, that they know of, says they are a licensed insurance company, so in. volkswagen car insurance uk for free If you rent a car in the U.S., it’s probably going to be a different story if not for the weather. If you’re on a budget, it’s worth considering renting. Renters insurance is one of the most cost-effective ways to protect your vehicle at a lower level than standard car insurance. If you’re at fault for a car accident that leads to property damage or injuries, renters insurance kicks in. With that protection comes the added responsibility you will have to pay the costs to replace the car, in the event of a total loss or other serious damage. Rental coverage isn’t required by law, but if it comes about in the U.S., it can make your car insurance more expensive than even standard car insurance. Renters insurance is not cheap so it’s probably wise to purchase some. volkswagen car insurance uk Purchasing liability insurance will cost significantly more in my case of an accident, but if a small incident happens it’s best to have. If you want to drive a luxury car that has many improvements like an engine that needs to be recharged, then you should be prepared to pay a lot of money for that upgrade. But if the price is too low for you to do so, then make sure you get extra coverage by increasing the level of protection. We have talked in the past about the special circumstances of expensive cars. You’re not too far behind of the £50,000 that car owners in Denmark have to pay after driving the luxury vehicle, for example, but the car may not be worth much money yet. But you’re on the way to an accident without you, a luxury car may be expensive to own, and your cost is likely to amount to well below the price of the base model. This is certainly another possibility with expensive lux.

Submit a Volkswagen Beetle 2.0 TSI Insurance Quote Request Form Today

Submit a Volkswagen Beetle 2.0 TSI Insurance Quote Request Form Today for a free quote! Looking for some Volkswagen Beetle insurance rates? Give us a call for a free quote! Vehicle insurance rates vary depending on the size, value, and performance of your VW Beetle, its age, history of service, and the state where you currently live. The Chevrolet Taurus XL auto insurance premiums are comparable to a Volkswagen Beetle—though much more expensive than a Volkswagen Beetle. In fact, many insurance analysts suggest considering a Tesla Model 3 before upgrading to a VW Beetle or the Chevy Silver sedan. Even though the Tesla Model 3 is the most expensive car to insure, its $29,718 annual insurance rate might be compared to a Ford Explorer R. However, the Chevrolet Camaro insurance rates for a Model 3 are $0 compared to the cheapest rates for a similarly sized model—with its $19,735 annual cost, for example. Insurance rates for Honda Civic Hybrid and Ford Mustang Hybrid will be more or less identical. However, many drivers may be surprised to know that.

Submit a Volkswagen Golf Car Insurance Quote Request Form Today

Submit a Volkswagen Golf Car Insurance Quote Request Form Today? Good news: If you drive a car in your youth. If there s a young driver on the road, you re more likely to hear their insurance needs. The type of driver in the U.S. is a significant part of the cost of car insurance. According to the , the average car insurance premiums in that age group for a male and a female are about $550 and $2,400, respectively, or $18.54 a month. The age of the vehicle is also one factor that affects how much insurance companies will charge you. Car insurance for a new driver is a significant amount. According to the , 20-year-old drivers pay around $3,200. Rates of young males and females vary from company to company. However, insurers will charge you an even higher amount than those of older drivers. The cheapest car insurance for a young male driver is based on his actual age and gender, but that amount may vary from company to company. The average car.

Volkswagen Golf Car Insurance

Volkswagen Golf Car Insurance Coverage OptionsPIP: $100$150$300$400$500$600$800$1200$1500$2000$2500$3000$4000$4000$7000$6000$12000$20000$40,000$1,000$600$10,000$3,000$3,250$1,000$750$5,000$500$2,550$6,660$11,220$5,700$4,950$7,200$6,500$7,700$8,700$9,300$10,600$12,000$13,000$15,000$20,000$25,000$40,000$100$200$300$400$450$500$550$600$700$8,300$11,500$12,000$15,000$20,000$25,000$50,000$100$600$15,000.

[advancedprof]

How Much Does Medical Malpractice Insurance Cost?

Doctors and other healthcare practitioners can make mistakes too. A small incision, reactive prescription drug or misdiagnoses are few of the common medical errors in this profession. However, they are quite minuscule mistakes but can cost medical practitioner his profession and incur tremendous financial losses.

Malpractice claims root from these mistakes and can cause cancellation or suspension of license. That is why, medical professionals require malpractice insurance to prevent against lawsuits. Without this, you may not even be able to practice medicine in the US.

What is Medical Malpractice Insurance?

Also known as professional liability insurance, it provides coverage to doctors, physicians, specialists, nurses and other healthcare professionals. It offers protection against claims stemming from wrongful practices that lead to injury, loss or increased medical expenses.

Who needs Medical Malpractice Insurance?

Anyone working in the medical industry requires these coverage plans, especially if they are practicing their profession in the US. Professionals include:

·         Surgeons

·         Physicians

·         Therapists

·         Chiropractors

·         Nurses

·         And Pharmacists

Cost of Medical Malpractice Insurance:

Various factors determine the cost of these insurance policies. From state regulations to insurance plan price to your specialty variables---each has a defining effect on the total cost and monthly premiums of medical malpractice insurance.

On an average, you will be charged $7,500 annually for your medical malpractice insurance cost. However, surgeons may pay around $30,000-50,000 per year, whereas medical personnel can expect anything between $4,000-12000 to insure their practice.

How does Medical Malpractice Insurance Cover Health Practitioners?

The policies provide liability coverage to the professionals when they face accusations of negligence. As additional benefits, the insurance can help you secure a lawyer and cover all the legal cost incurred during the lawsuit case. The coverage includes:

·         Court costs and lawyer fee

·         Out-of-court settlement cost

·         Disciplinary charges

·         Financial losses

Although, medical liability insurance policies are quite comprehensive but they have certain limits. Typically, these insurance plans do not cover sexual misconduct, criminal offenses and false representation. You can opt for Employer’s Practice Liability Insurance to compensate for sexual and criminal related claims.

Types of Medical Malpractice Insurance

There are two types of medical malpractice insurance policies:

Occurrence-Made:

It provides coverage for any event taken place during the period of the policy validity, even if it lapsed at the time of the claim. Most of medical personnel prefer this type of policies but they are not available in every state.

Claims-Made:

It provides coverage only while the policy was in effect. The plan has to be active when the event occurred and at the time of the claim. You can add a tail policy to reap maximum benefits and extend the coverage period.

Tail policies keep the insurer covered for a certain period, even after the basic coverage has lapsed. Claims-made policy requires the doctor to be under the coverage when receiving the claim. It becomes problematic, if the client did not renew or cancel the policy, or switched jobs. A tail covers them for at least 5 to 10 years even if he does not have a policy or bought a new one.

If you want to know how much malpractice insurance is, then you can compare different policies on our site Advanced Professional Services. You can even speak to our professional brokers to learn more about your chosen policy.

[baby-du]

Introduction to Chinese Government Scholarships

Introduction to Chinese Government Scholarships muTu's Note - Read and Learn Chinese in 5 Minutes

In order to promote the mutual understanding, cooperation and exchanges in various fields between China and other countries, the Chinese government has set up a series of scholarship programs to sponsor international students, teachers, and scholars to study and conduct research in Chinese universities.

China Scholarship Council (hereinafter referred to as CSC), entrusted by the Ministry of Education of the People’s Republic of China (hereinafter referred to as MOE), is responsible for the enrollment and the administration of Chinese Government Scholarship programs.

Now, 289 designated Chinese universities offer a wide variety of academic programs in science, engineering, agriculture, medicine, economics, legal studies, management, education, history, literature, philosophy, and fine arts for scholarship recipients at all levels.

I   CHINESE GOVERNMENT SCHOLARSHIP PROGRAMS

1.   Bilateral Program

This includes full or partial scholarships in accordance with the educational exchange agreements or consensus between the Chinese government and governments of other countries, institutions, universities, or international organizations. It supports undergraduate students, graduate students, general scholars, and senior scholars.

Applicants shall apply to the dispatching authorities for overseas study of their home countries.

2.  Chinese University Program

This is a full scholarship for designated Chinese universities and certain provincial education offices in specific provinces or autonomous regions to recruit outstanding international students for graduate studies in China. It only supports undergraduates, postgraduate students, and doctoral students.

Applicants shall apply to the designated Chinese universities undertaking this program.

3.   Great Wall Program

This is a full scholarship for the United Nations Educational, Scientific, and Cultural Organization (UNESCO) to sponsor students and scholars in developing countries to study and research in China. It only supports general scholars and senior scholars.

Applicants shall apply to the National Commissions for UNESCO in their home countries.

4.   EU Program

This is a full scholarship to encourage students from EU member countries to study and research in China in order to promote mutual understanding between China and EU members. It supports undergraduate students, graduate students, general scholars, and senior scholars.

Applicants shall apply to the Office for Education and Culture, Mission of the P. R. China to the European Union.

5.   AUN Program

This is a full scholarship for the ASEAN University Network (AUN) to sponsor students, teachers, and scholars from ASEAN member nations to study in China and to enhance the academic exchange and mutual understanding between China and ASEAN members. It only supports graduates.

Applicants shall apply to AUN Secretariat.

6.   PIF Program

This is a full scholarship to sponsor students from Pacific island countries to study in China. It supports undergraduates, graduates, general scholars, and senior scholars.

Applicants shall apply to Pacific Islands Forum (PIF) Secretariat.

7.   WMO Program

This is a scholarship  for the World Meteorological Organization (WMO) to sponsor international students to study and conduct research in meteorology, hydrology, and water resources supervision and management in China. It only supports undergraduates and graduates.

Applicants shall apply to WMO.

II  SUPPORTING CATEGORIES, DURATION, INSTRUCTION LANGUAGE, INSTITUTIONS ANDMAJORS

Supporting Categories

Chinese Government Scholarship programs sponsor international students, teachers, and scholars to undertake degree studies (bachelor, master, and Ph.D.) and Chinese language study or academic research in institutions of higher education in China.

Duration

Chinese Government Scholarship covers both major study and Chinese language (preparatory) study. The table below illustrates the duration of each program.

Supporting Categories Major Study(year) Chinese Language(Preparatory Study)(year) Duration of

Scholarship(year)

Undergraduate students 4-5 1- 2 4-7 Master’s students 2-3 1- 2 2-5 Doctoral students 3-4 1- 2 3-6 General scholars up to 1 up to 1 up to 2 Senior scholars up to 1 up to 1 up to 2

Instruction Language

1.   Undergraduate scholarship recipients must register for Chinese-taught credit courses. They are required to take one-year preparatory courses in one of the 10 universities listed below and to pass the required test before moving on to their major studies.

Undergraduate scholarship recipients can apply for preparatory course exemption if they completed their secondary education in Chinese or have a valid HSK certificate that meets the requirements of the host university. Official documents from secondary schools or a photocopy of a valid HSK certificate must be submitted for a preparatory course exemption application. Please NOTE that HSK results are valid for only 2 years.

Entrusted by MOE, the following 10 universities offer preparatory courses to undergraduate scholarship recipients. They are Tianjin University, Nanjing Normal University, Shandong University, Central China Normal University, Tongji University, Beijing Language and Culture University, Northeast Normal University, Beijing International Studies University, Capital Normal University, and the University of International Business and Economics.

2.   Graduate and non-degree scholarship students can register for either the Chinese-taught program or the English-taught program if applicable. Program Search (By visiting http://www.csc.edu.cn/studyinchina or http://www.campuschina.org)can help you find the program and university you’re interested in.

Scholarship recipients of Chinese-taught programs without adequate Chinese proficiency must take Chinese language courses for one to two academic years to reach the language requirements of their host universities before moving on to their major studies. Failure to reach the required language proficiency will lead to the automatic termination of scholarship. Chinese language courses will be one year for majors in Science, Engineering, Agriculture, West Medicine, Economics, Management, Legal Studies, and Fine Arts, and be no more than two years for majors in Literature, History, Philosophy, and Chinese Medicine.

Scholarship recipients of the English-taught programs or those with adequate Chinese language proficiency do not need to take Chinese language courses.

Institutions and Majors:

Now 289 Chinese universities have been designated to enroll international students with Chinese Government Scholarship, and they offer a wide variety of programs. Introduction to the universities and the programs they offer can be found in the following links.

http://www.csc.edu.cn/studyinchina

http://www.campuschina.org

III   COVERAGE and STANDARD

Supporting Categories Field of Study Tuition(CNY per year) Accommodation(CNY per year) Stipend(CNY per year) Medical Insurance

(CNY per year)

Total

(CNY per year)

Undergraduate students I 20000 8400 30000 800 59200 II 23000 8400 30000 800 62200 III 27000 8400 30000 800 66200 Master’s students/ General scholars I 25000 8400 36000 800 70200 II 29000 8400 36000 800 74200 III 34000 8400 36000 800 79200 Doctoral students/ Senior scholars I 33000 12000 42000 800 87800 II 38000 12000 42000 800 92800 III 45000 12000 42000 800 99800

NOTE: Field of Study I includes Philosophy, Economics, Legal Studies, Education, Literature (Fine Arts excluded), History, and Management; Field of Study II includes Science, Engineering, and Agriculture; Field of Study III includes Fine Arts and Medicine.

1.  Full Scholarship covers

Tuition waiver. Tuition funds will be comprehensively used by the host university. It may cover scholarship students’ education, administration costs and expenditures to support student activities.

Accommodation: free university dormitory or accommodation subsidy.

If the host university requires students to live on campus, the university will accommodate the scholarship students in a university dormitory (usually a twin room); if the host university permits students to live off-campus, the university will provide monthly/quarterly accommodation subsidy:

undergraduate students (preppies), master’s students(general scholars): CNY 700 per month;

doctoral students (senior scholars): CNY 1000 per month.

Stipend:

Undergraduate students: CNY 2,500 per month;

Master’s students/general scholars: CNY 3,000 per month;

Doctoral students/senior scholars: CNY 3,500 per month.

Within the scholarship duration, registered scholarship students will receive a stipend from their host university each month. Students registering on or before the 15thof the month will receive a full stipend of that month. Those who register after the 15thof the month will receive a half stipend of that month. Graduating students will receive a stipend until half a month after the graduation date. If a registered student stays out of China for more than 15 days due to a personal reason (school holidays excluded), his stipend will be stopped during his leaving.

Comprehensive medical insurance. (Please visit http://www.csc.edu.cn/studyinchina or http://www.campuschina.org and refer to Comprehensive Insurance & Protection Scheme for Foreigners Staying in China for the insurance policy.)

2.  Partial scholarship covers

One or some items of the full scholarship.

Tips: There are Chinese translations here, but they are hidden. you need to leave your own translation or other content in the comment box and Refresh to view it.

from WordPress https://chinesegirl.me/introduction-to-chinese-government-scholarships/

[super-cashforcarsnz-blog]

How do I lose a Car?

There comes a degree with each vehicle once it’s now not sensible or safe to use on the road. What’s additional, if it’s not road you'll find yourself with points on your licence or a fine. Thus if your car’s reaching the tip of life, scan on to search out however you'll be able to lose a vehicle?

·         Avoiding common automotive scrapping pitfalls

·         Scrapping a automotive

·         marketing your road automotive

People typically scrap their cars if they break down, fail a WOF, deregistered, damaged, need pricey repairs, or they can’t realize a purchaser. Scrapping your automotive ought to be the last possibility you would possibly value more highly to do if it’s broken on the far side repair otherwise you can’t realize anyone ready to shop for it.

Remember, unless your automotive could be a complete wreck, it'd still be value one thing, thus you shouldn’t have to be compelled to pay to urge it towed away. Bear in mind, the vehicle recycler (otherwise called wreckers, breaker, dismantler or scrap yard) we have a tendency to take away your vehicle without charge and pay instant high greenbacks for your motorcar. Scrapping your automotive can guarantee it’s properly recycled while not damaging the atmosphere.

Scrap automotive costs vary betting on the make/model of car, the realm it’s collected in, whether or not it's any re-saleable components, the condition of the vehicle and current market rates.

Things to try and do before you sell your automobile that doesn't run

How to sell a second hand automobile that does not run Cars area unit like homes. They have an inclination to accumulate things over time. If you’ve in hand your vehicle for an extended time, you may have forgotten all the things that you’ve placed in your automobile at only once or another. When you sell your automobile to the scrap yard, it’s your responsibility to require out all the private belongings before the wrecker arrives to choose up the vehicle. It’s tempting to depart things you not wish within the automobile; however that may cause issues with the group action. A scrap automobile isn't a container, and therefore the salvage yard can’t be expected to throw away all the things you’ve left in your automobile. It’s conjointly abundant easier to overlook a crucial item if you don’t resolve to require everything out of the automobile.

You’ll ne'er get another probability of finding everything. Therefore look all over within the automobile additionally as within the usual spots like glove boxes and bins. Check underneath floor mats, on top of visors, and anyplace else you may have stashed vital things. If you have got a electronic equipment put in within the automobile, cast off all the disks. Don’t build the error of going away things like insurance automobiles within the car as a result of you don’t suppose you’ll want them any longer. That variety of work has an excessive amount of personal info thereon to depart it during a automobile that may displace many times before its scrapped permanently.

Look for Valuable elements to Sell

If you’ve in agreement on a value for your automobile with a scrap yard, you ought to flip it over to those within the condition that you simply delineate after you created the deal. However, if the value you’re ready to get for your automobile doesn’t replicate rather more than its scrap value, you'll be ready to take away a couple of valuable elements from the automobile to create a couple of further greenbacks. If you have got costly tires with loads of treads left on them, you'll be able to purchase four hairless tires on low cost rims and swap them for the dearer tires on the automobile. Your car’s battery has selling worth if it’s virtually new, and recyclers can pay for the lead within it albeit it’s previous. If you’re handy, you'll be able to take away electronic gear like GPS or stereo systems if they’re valuable.

Use up Your gas

If your automobile continues to be running before you sell it to the scrap yard, you may wish to assign the gas within the tank before you have got it towed away. Reckoning on the scale of the tank in your automobile or truck, the worth of the gas within the tank will represent a considerable portion of the overall value of the value you’re obtaining from the wrecking yard. If your automobile isn’t running, take care if you conceive to syphon gas from the tank. Use solely approved containers to hold the gas, and ne'er begin a syphon mistreatment your mouth. Don’t worry regarding the worth of the gas to the yard. Theyought to drain all the fluids out of your automobile before exercise or scrapping the elements, and gas within the tank could be a nuisance for them.

Cash for Cars north shore is leading used automobile vendee that doesn’t run. Sell your non-runner for money to North American country. We tend to pay prime greenbacks for vehicles that don't run. to induce instant money for your non-runner vehicle. Check with our vehicle shopping for team and obtain paid money up to $12000.

·         Cash For VAN Auckland

·         Cash For SUV Auckland

Wreckers in Auckland

[monday3econlive]

Opportunity Cost of Cars; Are they worth it?

Like many of you, I got my license as soon as I turned 16 because I absolutely despised walking everywhere and the inconveniences of public transportation. Being the naive highschooler that I was, I did not necessarily consider the various costs of owning a vehicle and could only think of the positive externalities such as not having to catch the early morning bus to school, expanding my range of access and driving my friends around. But now as I am buying premium gas at around $4 per gallon, paying hundreds for routine maintenance and parking here at UCI, I can only think about what I could do with the money I spent on the upkeep of my car. 

To help visualize the cost of owning a car, I will break down the various expenses associated with it. Let’s say you have a car that requires premium gas and you drive about 800 miles per month with your mpg (miles per gallon) being 15 and the price of premium gas being around $3.81 in the state of California. At those rates, you would spend $203.2 for gas a month using around 53.33 gallons monthly which is $2438.4 a year and 640 gallons yearly. If you add maintenance costs, which averages at 4.97 cents per mile driven at 800 miles monthly and 9600 miles yearly, they equal to $39.76 monthly and $477.12 yearly although these costs vary depending the the make and year of your car. Plus there is the cost of insurance which averages at about $1029 yearly. And just to make it interesting, you’re also a student and need to pay for on-campus parking which is $110 monthly and $990 per school year. In total the cost of owning a car per year would be $4934.52 based off of these calculations. In comparison the costs of getting a substitute like a bike ($100 - $500 depending on the quality) or a base Metro buss pass ($110) seem almost minuscule. Currently a car depreciates at a rate of 20% in your first year of ownership and at around 10% for the next four years. That means a car you bought for $12000 will be worth around $4800 in six years of ownership, that’s a loss of $7200 and that’s without including the annual upkeep costs.  

Setting the depreciation values aside, the $4934.52 annual cost from our scenario could’ve been spent in other ways that would return a profit that would be the opportunity cost of owning a car. For example, if you decided to place that money in a bank it would yield an annual interest of $98.69 at a rate of 2% and next year the annual interest would be $100.66 assuming the money was kept in the savings account and so on. You could also invest that $4934.52 in stocks which have an average annual return rate of about 7% resulting in a gain of $345.42 if you were to sell the stock. That money could be used to pay off student loans or even buy a pet Bengal tiger. Everything you could’ve gained with the money you spend on the upkeep is the opportunity cost of owning a car. So it may seem that a car is simply an endless hole that you shovel money in but the benefits, like convenient transportation, are valued differently by each of us, some of who prefer transporting on their own accord while others don’t mind taking an extra 30 - 60 minutes to get somewhere via bus or enjoy the scenic views offered by bicycle rides. In the end it is all up to your personal preference because if it was up to opportunity cost then cars would only be a luxury of the rich.

Shakhriyor Khojiakbarov

52104352

[kaldurrr]

Holy shit on a craker, dude I'm so glad you're okay??? I'm sorry about your car though, and the cookie dough (what kind of shit luck is that with the cookie dough? Like sue then for damages just for that if nothing else tbh)

the good news is they were given a ticket because i was going down the road at 45 and they pulled out of a side street without looking and yielding to me when i had the right of way. i was the only one hurt and at the time i thought i had hit a jogger or a worker because i heard something go under the wheel (it was my front bumper and a safety cone from construction) but turns out nobody was there

so their insurance will help cover the cost of the car, if anything, and our insurance says we’re in good standing i’m just hoping that since we still have 12000 bucks left to pay off on it, insurance will pay for that too because that thing is 100% WRECKED. tow truck drivers say it’s scrap now

[unikglobalservices-blog]

Cost Of Living In Canada

https://www.unikglobalservices.com/cost-of-living-in-canada/

Cost of Living in Canada

As per the requirement of Canadian visa,the cost of living the student must have CA$10000 to prove their eligibility. Living cost in Canada also depends on the location you choose to live in. according to an estimation a student is supposed to spend CA$15050 per annum on accommodation, food, phone cost, etc.

Health insurance is compulsory for students studying in Canada. This may cost up to CA$600-800. The students have an option of homestay, private accommodation, and university accommodation.

For on-campus accommodation, the student is supposed to spend CA$3000-7500. For private accommodation, it may cost up to CA$8400. University accommodation is considered to be more affordable for students.

Canada is the dream destination of more than half a population around the world. When it comes to studying, profession, tourism, etc Canada stands high among other foreign countries. Canada becomes a priority for students who wish to study abroad. The only concern that stops them to rethink is the cost of living in Canada.

This article speaks about the cost of living in Canada for students. In addition to this, it also provides details on tuition fees, visa fees, etc. Moreover, it also provides additional information on other factors to be concentrated to study in Canada

Tuition fees in Canada

The tuition fee structure of Canadian universities is totally different from other countries. They follow their own structures. Tuition fees in Canadian universities vary depending on the course you choose. According to a recent report it is stated that the tuition fee in Canada is raised by 6.3% for undergraduate courses.

Undergraduate tuition fees in Canada

The tuition fees in Canadian universities differ according to the courses chosen by the student. In the case of arts and science, the fees are cheaper whereas for engineering and medicine the fee is expensive. The approximate cost for under graduation ranges from $12000 to $25000 per annum.  In addition to it, the fees for management course is literally lesser than the national average that is around CA$26,395 per annum.

Postgraduate tuition fees in Canada

Variation in tuition fees for post-graduation courses is the same as above. It varies depending on the course. The fee for an executive MBA program is found to be expensive which is around CA$49798 per annum. On the contrary, the tuition fee for a regular MBA course is CA$30570.

Study Program in Canada

Avg annual fee per annum

Undergraduate Program

CAD$12000 to CAD$25000

Postgraduate Program

CAD$14,000 to CAD$35,000

Doctoral Degree

CAD$7,000 to CAD$10,000

Student Visa and Application Fees

A Canadian study permit is the important criteria to be satisfied by every student to study in Canada. In case of course duration is six months or lesser there is no need for a study permit.  In addition to studies, a work permit allows a student to involve in part-time work.

A Canadian study permit can be applied online or by paper application. This can be done in citizenship and immigration Canada i.e., CIC website. The visa office will provide you the details on the documents to be submitted. The document to be submitted varies for different locations.

The application fees are fixed depending on the origin of the students. For undergraduate courses the application fees for international students CA$116.25. Students from developing nations are eligible for an application fee waiver.

Student’s job in Canada

International students studying in Canada are eligible for a part-time job. They are eligible for working both on and off-campus for a duration of 20 hours. They can also involve themselves in a full-time job during winter and summer holidays. Students in Canada can qualify themselves for jobs by satisfying the following criteria:

·         Valid study permit

·         Should be a full-time student

·         Should be enrolled as a full-time student in any institution

·         Social Insurance Number i.e., SIN is mandatory

Financial aid to study in Canada

The scholarship is bliss for international students and Canadian universities are not less in offering it. People willing to study abroad mostly rely on scholarships. Sometimes without the scholarship, their dream turns out to be a night mare.

 To receive a scholarship it is mandatory for students to apply earlier. Many universities in Canada offer scholarship on their own. The eligibility criteria for every scholarship are different. It is mandatory for students to collect ample information on the scholarships available.

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