Home – Semi truck Financing #lease #purchase #truck #jobs, #semi #truck #financing


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Easy Rig Lease

469.317.0701

Semi truck financing bad credit, semi truck financing no money down, semi truck finance florida, lease sale semi trucks guarenteed financing, semi truck financeing

    • At Easy Rig Lease we make it simple and fair. Regardless of your past credit problems we can put you behind the wheel of your OWN semi truck or procure lease or financing for a trailer or any construction equipment. Semi truck financing and leasing is our specialty. Whether you see a semi truck listed for sale on this site, or have your eye on a semi truck for sale elsewhere, we will finance it for you. Easyriglease.com can pre-approve you for semi truck financing today! Current loan and lease offers available nationwide.
      We specialize in financing people with

      • Bankruptcies
      • Repossessions
      • Tax Liens
      • Slow Pay

        Here is a sample of an application that has a good chance of getting approved

        2. Provide Copy of your last 3 bank statements

        3.Provide a letter of employment or letter of intent to hire. Need a job? www.elitedrivingjobs.net

        You can either attach these documents to the bottom of the application
        or Fax them to 631-489-0129

        The main direction of the company is the sales of trailers, Trucks, and heavy duty commercial equipment. Years of experience allows us to bring you competitive rates and sell only quality equipment. We can help with the following:
        Semi truck Financing | Semi Truck Lease | bad credit semi truck finance | used semi truck financing | semi truck financing with bad credit | high risk semi truck financing | guaranteed semi truck financing | financing for semi truck | financing a semi truck | financing companies for semi trucks | semi truck financing | semi truck financing bad credit | semi truck financeing bad credit | bad credit semi truck financing | bad credit financing semi truck | easy semi truck financing

        The year 2009 proved to be another great year for the commercial truck financing industry. How commercial truck financing works is still dominated by modes of transport, Approximately 62% of the commercial truck finance portfolio is movable property. However, since then there has been a cycle of commercial truck sales going up and down. Now we are starting to see gradual increases as the market share of commercial finance truck, machinery and industrial equipment is coming back to life. Over the last year it rose from 30.8% to 32.3% and this increase is undoubtedly the result of a clear recovery in the economy, especially when it comes to financing commercial truck. The total value of commercial financing truck last year of all vehicles exceeded 12 million (about 37% more than last year), including cars and trucks amounted to about 13 million. In this group the highest proportion of truck sales came from financing commercial trucks, about 38.6% were heavy duty trucks. After four quarters of 2006 the value of financing commercial trucks was an estimated two billion and was 45% higher than 2005. The average value of a commercial truck financing loan was over 80 thousand.
        Easy commercial truck financing is currently the fastest growing subgroup of the leasing market of road transport. Last year, over 22% of used commercial truck financing was financed through the form of leasing and the total value of financing for commercial trucks was up by an estimated 58% higher than in the last few years. These are very good results for heavy commercial truck financing. This confirms that the leases are getting better while commercial truck financing rates remain the same. The leasing sector in the market of bad commercial credit financing truck sales and service is continuing to gain popularity among most companies, especially in Tampa fl commercial truck financing is rapidly growing amongst fleet management services.
        The top companies on the leasing market of financing low commercial truck loans remain relatively low because only 10 percent increases of profit were recorded in the commercial truck loans and financing segment. According to members of the Association of leasing companies the development of the industry can use government funds to help with bad commercial credit financing truck. The high demand for owner operators is constantly growing, however it is estimated that 70 percent of owner operators do not have good credit. Owner operators are the force driving the industry that is why there has to be some form of guaranteed commercial truck financing.
        In 2006, banks that specialized in bad credit commercial truck financing lent approximately 8 billion for the purchase of over 298.3 thousand trucks. The financial result is better than that of 2005 by 2.3% and means that fewer banks sold loans (-4.4%). The average value of commercial truck financing bad credit in 2006 was 50,000 and is almost 2.5 times less than the average amount granted for car leasing. There are 2 reasons for this disparity. First, customers of banks much more often choose a mixed option (cash + credit) to finance your vehicle which is greater than leasing on its own. Second, banks have in their portfolio a significant amount of repossessed trucks that qualify for inhouse financing on commercial trucks. They are much cheaper than new ones – for example in the case of the transfer in October by Fortis Bank and fifth in the ranking of 100% share of credit provided was for repossessed trucks.
        On the market for direct financing for commercial trucks most lenders guaranteed financing on commercial trucks and successfully introduced more than 10 different promotions for new vehicles. Some of them are dedicated to selected partners while others are open for everyone.
        According to the very optimistic forecasts of commercial truck financing for bad credit sales of new trailers and trucks, including the value of their loan should be much higher than the prior year. This is mainly because too many loans were given out. A similar dynamics of growth of credit share of funding should demonstrate that bruised credit commercial truck financing is still possible, since there is no clear evidence that repossessions fell sharply and rose. Despite this, 2010 promises to be very interesting because the presidents of the largest banks, non-automotive corporations, announced a fierce competition for the lead in the market for owner operator commercial truck financing. Remember that competition is the best guarantee of high quality low price, namely the cost of credit. So it appears that they will be more accessible and hopefully give owner operators a lower interest. Taking into consideration the total number of all credit type commercial truck financing applicants that apply for loans is steadily rising, by next year there should be more commercial truck leasing financing programs because the average time for commercial financing leasing trailer truck is 36 months.

        New!

        Bad credit business loans for your trucking business. Equipment financing Credit repair help for better rates.


    High Risk Merchant Accounts – Card Processing #high #risk #merchant


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    High Risk Merchant Accounts

    One fact about High Risk Businesses is that a majority of merchant account providers will turn them down.

    Most merchant account providers believe that the unpredictable industries are just too difficult to work with. In almost all cases, they will instantly decline the company due to the uncertainty. Truthfully, there are a lot of businesses and industries that regular merchants simply refuse to help.

    Merchants decline industries that are categorized as dangerous. Most providers are wary of anything associated with a risky business.

    Merchant Account Providers are liable for your risk

    As a respectable and dependable merchant, it can be quite frustrating to have processing companies tell you that the company you are in means that the risk is just too high. Although you might know and have the books to prove that your business has been reliable, many will shy away because of the future damage it might cause. If a bank gives an account to a merchant that later has financial trouble, it can be damaging to the provider. Hence, why many banks feel they need to look out for high risk merchants to protect themselves.

    What makes a business “high risk”?

    Merchant providers mark a company high risk due to a lot of factors. Generally though, the two most important factors and conditions is the reputation of the industry that you are in and the sustainability of the businesses itself.

    The respectability of the industry basically means the way that business is conducted and its image. For example, most online businesses are considered to be unpredictable because of the potential to have high traffic and susceptibility to consumer data theft. When consumers are ordering online there is always a danger that data can be stolen and account providers can not ignore this unfortunate fact.

    Another problems is the view of your industry. One can understand that gambling establishments can be seen as being a uncertain due to their historic connections to being part of sketchy industries. But does anyone think that selling online supplements and health products are viewed as being part of a high risk industry just like gambling? Any company that has elevated levels of fraud or possibly consumer distrust means that a bank or other processing agency could consider it to be high risk.

    Charge Backs and Sustainability

    Any company with a relatively high charge back rate such as a travel business, are also high risk merchant accounts. If customers are often canceling transactions and requesting refunds, it is a exposure to possible fraud. Merchant account providers do not want to see a large amount of charge backs because from a corporate stand point, it’s the bank putting it on the line when a refund is issued. There is a reason why most providers back away from businesses like this.

    Another factor into whether or not you are a high risk merchant is how long the business has been around. If you are within the first few years of a business or in a relatively new industry, it can be difficult to prove your sustainability over time without a track record. Any provider is looking for a business and an industry that is going to succeed and they need the data to back that up before they work with you.

    What can a high risk merchant account do?

    Luckily, there are a number of providers that specialize in this type of account. Payment Savvy is one of them. We understand the risks that are involved in your type of business. We understand the problems of running a risky business that might have complications like not using credit cards.

    A lot of providers try to take advantage of the situation and the fact that a lot of people will not work with these industries. There are some providers out there that will get you a high risk account, however, they will most likely give you monstrous rates, which we feel is very unethical. We understand your needs and we want your business to succeed.

    Why not check our post on Next Day Funding and how our services can support you with fast, high risk credit card processing.

    Contact us today

    Give us a call to find out more about high risk merchant accounts. We’ll provide all the services that you need to make your business a success.

    Here is a list of just SOME of the high risk merchant accounts we work with:
    • Amusement and Recreation Services
    • Bail Bondsman
    • Car and Truck Rentals
    • Check Cashing Services
    • Collection Agencies
    • Consumer Finance
    • Detective and PI Agencies
    • Ecommerce and downloading software
    • Gun and Firearm Stores
    • Inbound/Outbound Telemarketing
    • Infomercials
    • Insurance products
    • Investment Opportunities
    • Installment Loans
    • Mortgage Services
    • Multilevel Marketing
    • Nutraceutical Merchant Accounts
    • Pawn Shops
    • Travel Agencies
    • Used Car Sales
    • Wholesale Club

    No matter what your industry or business is, chances are that we have worked within the industry in the past or are currently working it now. Businesses trust Payment Savvy with their high risk merchant accounts; they know that we provide them with a high level of service, have tremendous value, and they trust our experience.

    Leave a Reply Cancel reply

    You must be logged in to post a comment.


    What is risk assessment framework (RAF)? Definition from #network #security #risk #assessment


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    risk assessment framework (RAF)

    A risk assessment framework (RAF) is a strategy for prioritizing and sharing information about the security risks to an information technology (IT) infrastructure.

    Download this free guide

    What should be in a CIO’s IT strategic plan?

    This complimentary document comprehensively details the elements of a strategic IT plan that are common across the board – from identifying technology gaps and risks to allocating IT resources and capabilities. The SearchCIO.com team has compiled its most effective, most objective, most valued feedback into this single document that’s guaranteed to help you better select, manage, and track IT projects for superior service delivery.

    By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

    You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

    A good RAF organizes and presents information in a way that both technical and non-technical personnel can understand. It has three important components: a shared vocabulary, consistent assessment methods and a reporting system.

    The common view an RAF provides helps an organization see which of its systems are at low risk for abuse or attack and which are at high risk. The data an RAF provides is useful for addressing potential threats pro-actively, planning budgets and creating a culture in which the value of data is understood and appreciated.

    There are several risk assessment frameworks that are accepted as industry standards including:

    • Risk Management Guide for Information Technology Systems (NIST guide) from the National Institute of Standards.
    • Operationally Critical Threat, Asset, and Vulnerability Evaluation (OCTAVE) from the Computer Emergency Readiness Team.
    • Control Objectives for Information and related Technology (COBIT) from the Information Systems Audit and Control Association.

    To create a risk management framework, an organization can use or modify the NIST guide, OCTAVE or COBIT or create a framework inhouse that fits the organization’s business requirements. However the framework is built, it should:

    1. Inventory and categorize all IT assets.
    Assets include hardware, software, data, processes and interfaces to external systems.

    2. Identify threats.
    Natural disasters or power outages should be considered in addition to threats such as malicious access to systems or malware attacks.

    3. Identify corresponding vulnerabilities.
    Data about vulnerabilities can be obtained from security testing and system scans. Anecdotal information about known software and/or vendor issues should also be considered.

    4. Prioritize potential risks.
    Prioritization has three sub-phases: evaluating existing security controls, determining the likelihood and impact of a breach based on those controls, and assigning risk levels.

    5. Document risks and determine action.
    This is an on-going process, with a pre-determined schedule for issuing reports. The report should document the risk level for all IT assests, define what level of risk an organization is willing to tolerate and accept and identify procedures at each risk level for implementing and maintaining security controls.

    This was last updated in October 2010

    Continue Reading About risk assessment framework (RAF)

    Related Terms

    ICT (information and communications technology, or technologies) ICT, or information and communications technology (or technologies), is the infrastructure and components that enable modern. See complete definition Total Quality Management (TQM) Total Quality Management is a management framework based on the belief that an organization can build long-term success by having. See complete definition universal basic income (UBI) Universal basic income (UBI) is a model for providing all citizens of a country or other geographic area with a given sum of. See complete definition

    PRO+

    Content


    Atrial Fibrillation News and Events for Patients from #atrial #fibrillation #patients, #living


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    Afib News & Events

    Home | Afib News & Events

    This page features recent atrial fibrillation news stories, events, audios, and video interviews with some of the world’s top afib doctors. Sign up for our Newsletter on this page to be notified of the latest news stories. Bookmark and visit this page often to keep up with the Atrial Fibrillation News Feed at the bottom of this page.

    Video Audio

    Here are recent videos and audios. See related News stories for transcripts. See previous videos and audios at more Videos and audios

    Video Audio

    Here are recent videos and audios. See related News stories for transcripts. See previous videos
    and audios at
    more Videos
    and audios


    Managing AF Risks – Drs. Wilber, Redline, & Link


    Dr. Kowal on Partnering with Healthcare Providers


    Dr. Turakhia on Afib Stroke Prevention


    Dr. Turakhia on Afib Medications


    Dr. Day on Overview of Afib


    Mellanie True Hills – Opening of AF Patient Conference


    Dr. Calkins on 2014 AHA/ACC/HRS Atrial Fibrillation Guidelines


    Dr. Lakkireddy on Left Atrial Appendage Occlusion & LAALA-AF Registry


    Dr. Lakkireddy on Yoga & AF


    Q & A Panel — AF Patient Conference


    Dr. Prystowsky on AF Rate Control


    Dr. Benjamin on AF Family History & Risk


    Dr. Marrouche on “Staging” AF Treatment—Pt 2


    Dr. Marrouche on “Staging” AF Treatment—Pt 1


    Dr. Kowey on AF Treatment


    Dr. Russo on Gender Differences in AF Treatment


    Dr. Cappato on Afib & Athletes


    Dr. Cappato on 2nd WW Survey on AF Ablation


    Dr. Reddy at Boston Afib 2010


    Prof. Camm at Boston Afib 2010 (low res)


    Dr. Natale at Boston Afib 2010 (low res)


    Sen. Bill Frist, MD, on AF Stat™


    Dr. Argenziano on Atrial Fibrillation Surgery — Part 2


    Dr. Argenziano on Atrial Fibrillation Surgery — Part 1


    Dr. Cahill on Supplements and Arrhythmia


    Dr. Wilber at Heart Rhythm 2009


    Dr. Hao on the THERMOCOOL® Catheter Trial


    Dr. Damiano on Customized Atrial Fibrillation Treatment


    Dr. Edgerton on Atrial Fibrillation Maze Procedure Evolution—13 min


    Dr. Prystowsky on Atrial Fibrillation Guidelines for Patients


    Dr. Jackman on New Afib and Obstructive Sleep Apnea Findings


    Watch Mellanie True Hills’ Atrial Fibrillation Patient Story—20 min


    Health Care Risk Management #risk #management #healthcare


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    Health Care Risk Management

    Today’s health care industry faces a number of emerging risk issues related to health care reform, the shift from fee-for-services to outcomes-based compensation, industry consolidation, changing payer and provider relationships, the use of electronic medical records and the management of human capital. At the same time, the industry must also manage traditional risks including malpractice claims, workers’ compensation costs, property exposures and many other diverse liabilities in a very competitive environment with reduced reimbursement. As a result, health care providers need new ways to manage risk that combine innovative solutions with a deep understanding of the industry’s issues and requirements.

    Aon’s Health Care Practice provides solutions across the health care industry to:

    • Physician Groups
    • Individual Hospitals
    • Senior Care Facilities
    • Managed Care Organizations
    • Insurance Companies
    • Ambulatory Care and an entire spectrum of Provider Services
    • Health Care Systems including University-affiliated, Not-for-profit and For-profit systems

    Our specialized international network of experts will help you meet the health care industry’s changing financial and risk-related needs with tailored health care risk management and benefits design. We coordinate the services available throughout Aon to deliver customized, effective solutions, including:

    • Automobile Fleet
    • Bonds
    • Crime
    • Employee Benefits
    • Executive Risks
    • General Liability
    • Medical Malpractice
    • Operational Efficiency
    • Property Exposures
    • Workers’ Compensation
    • Civil and Criminal Penalties
    • Consumer Brand Perception
    • Crisis Management
    • Electronic Medical and Health Records
    • Employee Wellness
    • Environmental Exposures
    • Professional Staff Shortage
    • Health Care Reform
    • Medicare Secondary-Payer Mandatory Reporting
    • Pandemic
    • Patient and Employee Safety
    • Physician Payments Sunshine Act
    • Reimbursement Changes
    • Terrorism
    • Workplace Violence


    Leap Payments #high #risk #credit #card #processing #companies


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    Simply Better Credit Card Processing

    Providing customers and clients with a convenient way to make credit card and debit card payments without being charged a fortune for every transaction is a challenge faced by retailers and restaurants. Let us show you a better way to handle your credit card payment processing. Learn more

    For professional service organizations such as Doctors, Lawyers, Consultants we can help you simplify your merchant services. Our credit card processing solutions allow you to accept payments in the way that your customers prefer. Learn More

    If you re an eCommerce company, it s critical that you are able to accept credit cards online without having to incur outrageous additional costs. Leap Payments can get you set up with a solution to accept online credit card payments for goods and services that is easy for your customers and affordable for you. Learn More

    When it comes to setting up credit card processing for merchant services for personal service organizations such as beauty salons, wellness and fitness businesses of every size can access to the same rates and services formerly available only to larger companies. Learn More

    For businesses that spend most of their time performing services at their customer s location, such as contractors, technology consultants, repair and maintenance industries; we can provide you with wireless access to your merchant account credit cards, so you get guaranteed payment at the end of your job. Learn More

    Some business types are deemed risky by banks processing credit cards for a variety of reasons. We believe that your business deserves a chance to prove itself and process credit cards. Learn More

    Lifetime Rate Lock

    The best merchant processing companies believe that caring for customers means keeping costs down and never increasing your rates. We guarantee that the Leap Payments rates will not increase for the life of your account. No bait and switch, no teaser rates, just simple, honest pricing and the best merchant services. In addition, we offer Interchange plus pricing, because this is the most transparent way to process credit cards available.

    Customized Solutions

    When choosing a processing solution most business owners ask: who has the best credit card processing rates? While rates are a part of the right answer you need a partner who understands your unique needs and tops the comparison lists of credit card merchant services companies, so you know you’re working with the best. Based on real credit card processing companies reviews you’ll find Leap Payments A+ Better Business Bureau rating sets us apart from the competition.

    Unique Customer Service

    Many merchant credit card processors look at your business as a mere dollar sign to cash in on and they lose sight of honest customer service. The true value of a merchant services company is revealed in an instant when you search credit card processing reviews online. Unlike our competition we’ll know you by name, not by your account number. Our support is 100% US-based and available anytime you need us.

    Cashflow is crucial to business success and for our clients we ensure that you won’t be waiting to get paid for your credit card processing. With Leap Payments you can rely on receiving your deposits promptly in order to keep your business running smoothly. Our clients attest that services like next day funding is why Leap Payments is one of the best rated credit card merchant services companies.

    Need help understanding your monthly statement?

    In addition to our commitment in being the best merchant account provider for your business, we offer fully integrated and customized solutions. We’ll explain the true costs of accepting credit and debit cards. Our experts will review your statement and show you how much you can save. Providing small business owners just like you with the personal service that you deserve is what has distinguished us from so many generic, less visionary credit card merchant processing services.

    Our merchants’ credit card processing reviews say it all!

    Salon Xia
    “A customer referred me to Leap Payments and they’ve really come through for me. Now I get next day funding, so my money is in my account much faster. My salon’s busiest day is Saturday [ ]”

    Foster, Griffith, Allen, Inc.
    “Leap Payments is our “go to” credit card and electronic check processor. Not only does our office save money every month using Leap Payments, but they’re always available to help our clients. Our account was [ ]”

    Iron Circle Martial Arts
    “We are very pleased with the customer service we receive from Leap Payments. They are so much easier to deal with than our previous provider. Very rarely do we have any problems, but when we [ ]”

    Contact us now at 800-993-6300 or complete the form below and we’ll reach out to you. We know that there are lots of credit card processing companies, but one call to us and you’ll be telling your friends about Leap Payments.

    © 2017 Leap Payments, Inc.
    Leap Payments is a registered MSP/ISO of Elavon, US Bank N.A.
    as well as Visa, MasterCard, Discover and American Express.


    Environmental Consulting #environmental #assessment, #environmental #management #plans, #asbestos #testing, #lead, #mold #inspection,


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    Andersen Environmental is a full service consulting firm that is comprised of leading environmental professionals dedicated to providing effective solutions for our clients’ environmental needs. Andersen Environmental’s services include: asbestos testing, Phase I Environmental Assessments, Phase II soil and groundwater testing, soil remediation including soil vapor extraction, hazardous waste characterization and removal, and many other services as listed below. Andersen Environmental’s corporate headquarters are located in Los Angeles, California, with offices throughout the United States.

    • Phase I Environmental
    • Phase II Environmental
    • Soil Gas Surveys /
    • Vapor Intrusion Studies
    • Geophysical Surveys
    • Third Party Report Review
    • Brownfields Consulting
    • Vapor Intrusion Studies
    • More.

    • Remediation Planning and Monitoring
    • Underground Tank Removal
    • SWPPP – Storm Water Pollution
    • Oil Well Abandonment
    • Environmental Planning
    • More.

    • Asbestos Testing
    • Lead Test
    • Mold
    • Abatement Oversight
    • Formaldehyde Test
    • Soot and Smoke Assessment
    • Radon
    • Clandestine Laboratories
    • More.

    • Alta Survey
    • Property Condition Assessment
    • LEED Consulting
    • Methane Testing
    • More.

    • Alta Survey
    • Property Condition Assessment
    • LEED Consulting
    • Methane Testing
    • Catastrophe Response
    • Environmental Expert Witness
    • More.

    NACM – National Association of Credit Management #national #association #of #credit #management,


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    BENEFITS
    of being a member of NACM

    NACM is committed to assisting every member, meeting their needs and addressing their concerns by offering easy-to-obtain, high-quality products, services and programs.
    Here you will find valuable tools for the credit professional, including links to training resources, online education, useful forms and timely publications.

    Take advantage of these resources and so much more as a member of NACM.

    Visit our Knowledge and Resource Center

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    Business Credit Magazine

    Credit Manager’s Index

    National Trade Credit Report

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    CONSTRUCTION

    Services

    Aug 2, 2017 | 11:01 am

    Aug 1, 2017 | 10:20 am

    Jul 31, 2017 | 13:38 pm

    Jul 28, 2017 | 16:40 pm

    News

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    Written on 2017-08-02

    Written on 2017-08-02

    New Texas Law Will Allow Suppliers and Others to Void Clauses on Projects that Require Out-of-State Resolution: nacmsts.com

    Written on 2017-08-01

    Construction Spending Falls in June: nacmsts.com

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    As the advocate for business credit and financial management professionals NACM and its network of Partners take great pride in being the primary learning, knowledge, networking and information resource for commercial creditors nationwide.

    NACM membership begins with a local NACM partner. Join our network today!

    Follow us on

    National Association
    of Credit Management

    Please schedule a visit. We are located close to Baltimore and not far from DC.


    UAB – Information Engineering – Management #engineering, #professional, #masters #degree, #engineering #management,


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    Masters of Engineering Management
    Information Engineering Management
    Online Campus

    What to expect from Our Information Engineering Management (IEM) Master s Program:

    Entrepreneurship focus on Engineering IT management
    Invest 2 days a month for 20 months 100% online
    Engineering undergraduate degree not required
    Flexible classes that fit into work and family schedules
    All online student clients pay in-state tuition
    Real-world focus with immediate life/job use
    Faculty comprised of employed industry leaders
    No GRE/GMAT required for admission

    Is IEM right for you? Here’s what we look for:

    Who we are:

    IEM stands for Information Engineering and Management. We are an executive master degree available in house or 100% online. providing an entrepreneurial focus to engineering and technology.

    Why you want a master degree in Information Engineering and Management:

    You will learn how to network effectively, identify your strengths, bolster your weaknesses, and you will gain the technical skills and perspectives you cannot get anywhere else.


    Risk assessment – management tools #security #risk #assessment #tools


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    Enterprise Risk Management

    Tools Templates

    This section is a central resource for miscellaneous tools and templates. Examples include sample strategic plans, risk assessments, risk ranking tools, and an ERM assessment case study.

    There are various types of risk assessment activities that are regularly conducted throughout organizations. Your ERM group should become familiar with and support the various assessments conducted and use the results of these assessments in developing and maturing their ERM Program.

    Your ERM group may want to consider identifying risk assessments that have already been completed and then work with the key owner’s for the risk to develop and assist with improving the control activities, information and communication and monitoring (in other words, fill in the rest of the COSO model).

    The UCOP Office of Risk Services (OPRS) offers several Excel-based tools intended to support the risk assessment process at each of the UC locations.

    Information on UC Tracker, a web based tool to facilitate the review and documentation of key department controls as required by SAS 112/115.

    A tool that helps automate the continuous monitoring of controls established as a result of any type of risk assessment.

    Mission Continuity Planning

    A systemwide program that enables all of our campuses, medical centers and national laboratory to better prepare to meet the challenges of resuming business operations after a major event occurs.

    Helps you consider the strategic, financial, operational, compliance, reporting, and reputational risks associated with a new initiative or project.

    Helps you consider the factors affecting the risks faced by your Campus or Medical Center location. It will help you compare the benefits and risks of each option so you can make informed decisions.

    Workbook to help minimize risks of collection loss and maximize return on UC’s investment in information assets.

    Find answers to FAQs about the various tools and how to choose the one that’s right for you.


    MN Insurance Agent Minnesota Auto Car Homeowners Life Health Quote Columbia Heights


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    McAlpin Agency, Inc.

    Our Mission

    As an Independent Insurance Agency, it is our goal to provide you with the best coverage at the lowest price from a top quality company.

    To request a quote for MN insurance, click on the Quotes link above.
    Then choose the line of insurance from the Quote Forms menu that will appear.

    There are quote forms for Auto / Car, Homeowners, Health, Medicare Supplements, Medicare Advantage Plans, Medicare Part D Prescription Drug Plans, Life, Dental, Long-Term Care, Disability Income, Global / Travel Medical insurance, Employee Benefits, Commercial, Motorcycle, Watercraft (boats), Jet Ski (personal watercraft) Snowmobile.

    At McAlpin Agency, Inc. we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:

    McAlpin Agency, Inc. is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

    Information Collection
    We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at McAlpin Agency, Inc. we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of McAlpin Agency, Inc. so we can provide you with policyholder service. The employees of McAlpin Agency, Inc. are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
    When you purchase an insurance policy from McAlpin Agency, Inc. you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder Of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

    When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.

    Third Party Links
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    Sierra Mutual Funds #total #returns, #investment #management, #investment #solutions, #risk #mitigation, #downside


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    2016 Year-End Distributions Now Available View Now

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    Investors should carefully consider the investment objectives, risks, charges, and expenses of the Sierra Mutual Funds. This and other information about the Fund is contained in the prospectus and should be read carefully before investing. The prospectus can be obtained by clicking here or by calling toll free 1-866-738-4363 (1-866-RETI-FND ). The Sierra Mutual Funds are distributed by Northern Lights Distributors, LLC, member FINRA /SIPC. Wright Fund Management, LLC is not affiliated with Northern Lights Distributors, LLC.

    The Sierra Core Retirement Fund invests in underlying funds, including mutual funds, closed-end-funds and ETFs. In some instances it may be less expensive for an investor to invest in the underlying funds directly. There is also a risk that investment advisers of those underlying funds may make investment decisions that are detrimental to the performance of the Fund. Investments in underlying funds that own small and mid-capitalization companies may be more vulnerable than larger, more established organizations to adverse business or economic developments. Investments in underlying funds that invest in foreign equity and debt securities could subject the Fund to greater risks including currency fluctuation, economic conditions, and different governmental and accounting standards.

    The Sierra Strategic Income Fund invests in underlying funds that may invest in foreign emerging market countries that may have relatively unstable governments, weaker economics, and less-developed legal systems, which do not protect investors. In general, the price of a fixed income security falls when interest rates rise. Any strategy that includes inverse securities could cause the Fund to suffer significant losses. Underlying fund investments in lower-quality bonds, known as high-yield or junk bonds, present greater risk than bonds of higher quality. Municipal securities are subject to the risk that legislative changes and economic developments may adversely affect the value of the Fund’s investments. REIT risks include declines from deteriorating economic conditions, changes in property value, and defaults by borrower. Underlying funds that own small and mid-capitalization companies may be more vulnerable than larger, more established organizations to adverse business or economic developments. In some instances it may be less expensive for an investor to invest in the underlying funds directly.

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    High Risk Auto Insurance #cheap #auto #insurance #for #high #risk #drivers


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    High Risk Auto Insurance

    Contents

    High risk car insurance is the insurance category reserved for drivers with past driving violations, inexperience behind the wheel, or poor credit. If you meet any of this criteria many insurance companies will consider you a high risk driver and your car insurance premiums will be higher as a result. There’s still hope though: while some insurance companies won’t insure a motorist with ANY marks on their driving record, there are plenty of reputable carriers who will insure high risk drivers.

    How much does High Risk Auto Insurance cost?

    Drivers that fall under any of the high risk categories will see their insurance costs rise relative to the average driver. To give you a sense of what the difference between these rates are we compiled data across all 50 states for three categories of high risk drivers to help you understand how much more these premiums can cost you. Note that these rates are the averages of different policies for high risk drivers insured by GEICO, Allstate, Nationwide, and MetLife. These averages do not include rates for insurance through each state’s residual pools.

    With many of the factors under your control, it shows why it is quite important for drivers to maintain a clean record, as the extra costs can quickly add up. If you’re interested you can check out our methodology below to see how we compiled these numbers

    Best High Risk Auto Insurance Companies (Average Premiums)

    If you arleady fall into one of the High Risk categories, some companies may be cheaper than others when it comes to insuring you. We took a look at major companies compare when it comes to the insurance premiums they offer higher risk drivers. While your rates will differ from the sample in our study, our list can help you figure out where to begin. Below we’ll take a look at the average annual premium amount for the four companies we looked at (GEICO, Allstate, MetLife, Nationwide) for each of the three scenarios:

    On average GEICO turned out to be the cheapest high risk auto insurance company of the bunch in both the speeding and young driver scenarios. For the ‘DUI + Accident’ scenario GEICO was edged out slightly by Allstate with an nationwide annual average of $2,298 per year versus GEICO’s $2,493. This study is based on a select sample profiles so it may not reflect your circumstances and should only be used as guideline. To find cheaper high risk auto insurance, you should compare quotes from multiple companies. If you’re interested in getting a list of companies in your area enter your zipcode below and click through to get a quote.

    Find The Cheapest Auto Insurance Quotes In Your Area

    What Determines If You Are a High Risk Driver?

    If you’ve been convicted of driving under the influence, your premiums will be going up. Once you get your license back, you’ll need to carry DUI insurance, otherwise referred to as SR22. SR22 is the highest risk coverage a car insurance company can carry and will need to be filed with your state DMV to reinstate your driving privileges. You’ll also need to have your SR22 on file with the DMV for up to 5 years after your DUI incident. States will vary in how long your DUI will show up on your driving record, but be prepared for insurance companies to charge you higher rates as long as your DUI is still on record.

    Young drivers, such as students, are also qualified as high risk. Statistically, drivers in their youth are at a higher risk of getting into an auto accident and insurance carriers adjust their premiums accordingly.

    Regardless of age, drivers who are newly licensed will always face higher insurance rates than seasoned drivers who’ve been driving for a longer period of time. That being said, there is one way to work around this rule: have someone add you to their existing policy. This shortcut ensures your premiums will be lower than going it alone.

    Lapse in insurance coverage

    Regardless of why you dropped your last car insurance policy, you’re going to find premiums are higher now that you’re reapplying. The good news is that over time, and once you prove to the insurance company that you’re a responsible driver, you’re premiums will drop back down to normal rates. The bad news is that it may take 6 months or more for your policy premiums to decrease.

    Yes, you read that right. People who have a poor credit history will also be deemed high risk drivers. Why is this the case? Insurance companies are essentially placing millions of bets, in the form of insurance policies, and to decrease their risk they want to insure responsible people. They’ve determined that checking your credit history is a quick and easy screen to ballpark your level of responsibility in advance of insuring you. Fortunately there are some insurance carriers who don’t do credit checks, but you’ll have to be diligent in your search to find them.

    Other serious driving violations

    While getting a DUI falls into this category, you’ll also find it no surprise that your insurance premiums will spike if you have any other type of serious driving violation (hit and run, road rage, excessive speeding). Higher insurance premiums may be the least of your worries, however, as many of these moving violations are considered felonies which could result in you spending time behind bars.

    3 Things To Remember When Looking For High Risk Auto Insurance

    1. Compare and contrast providers in your area

    We recommend getting online quotes from as many insurance providers as you can. Until you get your quotes, you’re never quite sure which carrier will be able to give you the lowest rate. Fortunately, the internet has made a once painful experience much easier by allowing you to apply for quotes, compare and contrast results, and choose the best plan, all from the comfort of home.

    2. Being a high risk driver doesn’t last forever

    While insurance companies may view you as high risk today, you’ll be happy to know your status will change once you’ve proven you’re safe and responsible. Yes, certain things like getting a DUI will keep you paying increased premiums for an extended period, but most other high risk drivers can begin paying lower rates in a much shorter time frame.

    3. There are steps you can take to lower your rate

    You don’t just have to sit there and wait for your insurance rate to drop. With few exception, proactive measures like working to improve your credit score, getting good grades as a student, or taking driving classes after a violation, are all methods you have at your disposal. Just remember, your insurance company will want proof of these measures, so it’s best to keep good records submit them to the carrier when you’re ready.

    Methodology

    ValuePenguin sampled high risk auto insurance rates for the largest city in each state across four car insurance companies where available: GEICO, Allstate, MetLife and Nationwide. Our hypothetical driver was a 30 year old male driving a 2010 Toyota Camry. He drives 10-15k miles per year on average primarily commuting to and from work. Liability coverage is set to the legal state minimum. For the “speeding” scenario, it was assumed that our driver had received a 20 over the speed limit citation in the last 5 years. For our “DUI + Accident” scenario it was assumed that the driver had a DUI or DWI and also, in either the same or a separate incident, had been at fault in an accident where someone was injured. In the “Young Driver” scenario our driver was an 18 year old male with the same specifications listed above.

    Surveyed auto insurance costs are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.

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