Car Insurance for a New Vehicle #new #car, #car #insurance, #switch, #transfer


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Car Insurance for a New Vehicle

You have many considerations to make when buying a new car. Insurance is just one of them.

Whether you switch to a new auto insurance provider or transfer your existing insurance to your new car, ensuring that you have the right car insurance is an essential part of the process of purchasing a new vehicle.

Getting a Quote Before You Buy

The type of vehicle you drive has an effect on your car insurance rates, so getting a quote for the type(s) of cars you are considering can be a wise choice.

First, if you’re choosing between multiple vehicle types. getting quotes can help you make your decision (e.g. if one type will be much costlier to insure, you may choose the other).

Second, whenever you’re buying a new car, you need to reevaluate your coverage.

  • Your current provider mayno longer be the most affordable provider for car insurance coverage you’ll need for your new vehicle.
  • Also, other providers may have additional products and offerings that better suit your new needs.

Finally, it’s smart to periodically check for car insurance quotes. You may be paying more than you need to if you’ve stayed with the same company for years without looking around at prices and discounts offered in the market.

Before you buy your new car, get at least 3-4 car insurance quotes for the type of vehicle you’re looking to buy so you’ll know what to expect.

What You’ll Need to Drive Your Car Off the Lot

Driving without car insurance coverage is illegal, so you’ll need to make sure you are covered before you drive your new car off the lot.

If you already have car insurance, you may need to adjust your coverage for your new vehicle. For example, you might be required to add comprehensive or collision coverage if you are taking out a loan on the car.

However, even if you need to adjust your insurance for your new car, your current policy may cover you for a short period of time after the purchase of a new vehicle.

Check your declarations page to be sure.

If you’re unsure whether you’ll be covered, provide the vehicle information to your car insurance company before you complete the purchase. Your agent should be able to let you know what you’ll need.

If you’ll be changing companies. make sure to find out exactly how long your current car insurance will extend, and make sure you have an exact start date for your new policy and end date for your old policy. For more information, please see our page on switching car insurance companies.

Notifying Your Insurance Company

If you are going to transfer your current car insurance from your old vehicle to your new one, or are planning to switch to a new provider altogether, it’s your responsibility to alert your insurance company.

Do not assume you are covered if you do not make a call.

It is a good idea to call your car insurance company before you buy your new car. if possible. This will ensure you know exactly how you’ll need to move forward with your insurance before you even drive your car off the lot.

The Benefits of Gap Coverage

Once you drive a car off the lot, the actual cash value depreciates significantly. If you’re going to have a loan or lease on your new ride, you can protect yourself financially by opting for gap coverage.

Gap coverage takes into account the dangers of depreciation and covers the difference between your loan amount and the car’s actual cash value if it was totaled in a crash.

This ensures you are not left with a large car loan bill and no car, if your vehicle is totaled in a serious accident.

If your current company does not offer gap coverage, you may wish to look around at other options in the market to make sure you have financial protection.

To learn more about this type of car insurance coverage, visit our Gap Coverage page.

Car Insurance Premiums

When you transfer car insurance to a new car from your existing car, don’t be surprised if your insurance premiums change.

  • They may increase if the vehicle is more costly to repair or represents a greater risk to the insurance company.
    • Examples include sports cars and luxury vehicles.
  • They may decrease if the vehicle is cheaper to repair or presents a lower risk.
    • Examples include affordable cars and those with many safety features.

If you are looking to save money on insurance, hybrid vehicles may be a good choice. Several insurance providers are now offering lowered rates on hybrid vehicles in an attempt to encourage more people to “go green.”

Whichever vehicle you’re considering, getting multiple car insurance quotes will give you a good idea of the rate ranges you can expect.

Multivehicle Discounts

If you plan on keeping your current vehicle, adding a new car to your current policy may be a way to help you save money.

Most car insurance companies offer multivehicle discounts. which lower the cost of additional vehicles added to the policy. Talk to your current auto insurance agent about the availability of this discount type.

Remember, auto insurance is a crucial part of the puzzle when purchasing a new car. It is essential to do your due diligence to avoid any unwanted surprises – such as higher premiums – later.


HTP – Phoenix Water Heater #htp, #boilers, #boiler #efficiency, #water #heaters, #commercial


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Phoenix Water Heater

The Phoenix is a highly efficient and extremely versatile gas fired water heater. It is manufactured with super durable stainless steel materials to last longer and provide optimum heat transfer. It is up to 96% efficient with a five to one turndown, making it Energy Star rated and a great choice for your heating needs..

Free Consultation & Cash Back Offer!

for more information and product savings, select an option below

Watch and Learn

Energy Efficient

The Phoenix has up to a 96% thermal efficiency rating, making it Energy Star certified. According to Energy Star, heating water accounts for 15% of a home’s energy use. HTP high efficiency water heaters consume anywhere from 10-50% less energy than standard models. The Phoenix has a 96% efficiency rating—that means that 96 cents of every dollar is used toward heating compared to a standard efficiency unit with 60% which only provides 60 cents worth of energy toward heating.

It provides high system efficiency even during low load conditions. The modulating burner operates at a five to one turndown ratio for greater savings. This unit also complies with the SCZQMD Rule 1146.2 – ultra low NOx emissions – making it eco-friendly!

Versatility

The Phoenix is available in three gallon sizes (55, 80, 119) and four BTU inputs ranging from 100,000 to 199,000. It is suitable for both residential and commercial applications.

Quality Construction

The Phoenix is laser welded and constructed with a 316L stainless steel tank to resist corrosion and last longer. It is also manufactured with a hybrid cupronickel/stainless steel heat exchanger for ultimate heat transfer capabilities. It expands and contracts rapidly with the change in temperature, eliminating scale built up and promoting self-cleaning. No anode rods are needed to fight the corrosive properties of scale build up. The Phoenix is equipped with an outdoor sensor that auto adjusts for maximum efficiency. It is also created with 2” thick foam insulation for minimal heat loss!

A Better Experience with Every Installation

The Phoenix has a light weight tank for easier installation. It vents in inexpensive PVC and CPVC. Power vent or direct power vent options are available. These units come with intake PVC tee with screens and exhaust PVC coupling with screens. LP conversion kits are also included if needed (natural gas models only).

Solar and Sanitizer water heating options are also available with the Phoenix. The Phoenix Solar Gas Fired Water Heaters are the first modulating condensing solar water heaters with an integrated gas fired back-up all in one unit.

The Phoenix Sanitizer provides high temperature sanitation for those need to be clean applications. This is great for use in restaurants, breweries, wineries, dairies and more!

Still not convinced? See what a customer has to say!

Mr. Matt Karshna of the Whitnall School District took out time to talk about his experience with Phoenix Water Heaters at Hot Water Products booth at the WASBO Conference (Wisconsin Association of School Business Officials) in the Wisconsin Dells.

Have your own review? Submit it here !

The HTP Guarantee

The Phoenix is backed by a limited 7 year residential warranty and 3 year commercial warranty (with a 5 year commercial warranty option available for purchase ).

Your Personal Assistant is a Download Away!


Washington Vehicle – Car Title Transfers #washington #car #title, #washington #title #transfer,


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Title Transfers in Washington

How to Transfer Your Vehicle Title in Washington

  • Have the previous owner sign the vehicle over to you.
  • Complete a bill of sale with previous owner and complete a title application.
  • Submit forms and payment to the DOL by mail or in person.
  • Continue reading for more details.

There are many instances where you may have to perform a title transfer for your vehicle. Read below to learn the steps to accomplish a title transfer under varying circumstances.

NOTE . The Washington Department of Licensing (DOL) has separate offices for driver’s license-related issues and vehicle licensing tasks. If you wish to visit an office in person for a transaction involving a vehicle title, make sure you go to a vehicle licensing office .

New-to-State Titles

Once you have established residency in Washington, you must register your vehicle within 30 days. Please note that you must FIRST apply for a WA driver’s license. Check out our page on registering your vehicle in Washington for more on the process and cost.

The DOL will issue you a Washington title along with your registration. To get your Washington title and registration, you can submit the following to the DOL:

You can submit all of the above to the DOL:

  • By mail to the address listed in the application – You will have to wait for your license plates to be mailed to you.
  • In person at a vehicle licensing office – Your plates will be issued to you on the spot.

Your title should arrive within 10 weeks, but if you need it faster, visit or mail your forms and payment to a Quick Title office. along with an additional $50 expedited fee.

Your car may be subject to an emissions test if you have moved to Clark, King, Pierce, Snohomish, or Spokane County.

Additionally, if your vehicle is model year 2009 or newer. it must meet California emissions standards in order for you to register it in Washington.

Buying or Selling a Vehicle in Washington

Take the following steps when transferring a title after you purchase or sell a vehicle in Washington. Check out our page on registering your vehicle in Washington for more about the registration cost and process.

Buying from a Dealer

Licensed car dealers in Washington are equipped to handle the basic administrative DOL tasks including titling and registering your brand new car. This means you do not have to worry about transferring the vehicle’s title to your name. You will simply need to provide your valid, current Washington driver’s license.

Typically, any associated DOL fees will be paid through your dealer as part of the sale.

Buying from a Private Party

Once you complete a vehicle purchase from a private party in Washington, you must transfer the title to your name within 15 days. If you fail to transfer your title within the required 15 days, you’ll be subject to the following penalties:

To complete the transfer, take the following steps:

Expect your title to arrive within 10 weeks. For expedited titles, mail or bring your forms and payment, along with a $50 quick title fee. to any Quick Title office.

* NOTE . If the seller has lost or misplaced the original title, please see Duplicate Titles in WA below.

Selling Your Car

Take the following steps to transfer your car to a Washington buyer:

  • Complete all transfer information on the back of your current WA title, including the:
    • License plate number.
    • Date and price of sale.
    • Name of the buyer.
    • Vehicle identification number (VIN).
  • Complete a Vehicle/Vessel Bill of Sale (Form TD-420-065) with the buyer.
  • Remove the license plates and either surrender or transfer them.
  • Report the sale to the DOL within 5 business days of the transaction. You can do this:
    • Online for free.
    • At a vehicle licensing location. fees may apply.
    • By mail with a completed Vehicle Report of Sale (Form TD-420-062): fees may apply.

Gifted Vehicle Title Transfers

Receiving a Gifted Vehicle

Transferring a Washington vehicle title to your name after a car has been gifted to you is a similar process to applying for a title transfer after you have purchased a car from a private seller. Note the following differences:

  • On the Vehicle/Vessel Bill of Sale (Form TD-420-065), enter “0″ for the sale price.
  • If possible, obtain any proof from the person gifting the car that all sales or use tax on the car have been paid. This will save you from having to pay this tax yourself.
    • If no proof can be provided, you will be responsible for 0.3% use tax.
    • If the car is 7 years old or older, you do not have to pay sales or use tax.
  • Pay the $12 title transfer service fee, plus your specific title fee (varies by vehicle; contact the DOL for details).

Gifting a Vehicle to Another Party

Transferring ownership of a vehicle title is ultimately the responsibility of the person receiving the gifted car. However, you must:

  • Sign the current transfer over to the person receiving the gift.
  • Fill out the appropriate portion of the Vehicle/Vessel Bill of Sale (Form TD-420-065).
  • Report the sale (gifting) to the DOL. You can do this:
    • Online for free.
    • At a DOL licensing office. fees may apply.
    • By mail with a completed Vehicle Report of Sale (Form TD-420-062): fees may apply.
  • Remove the vehicle’s license plates and either transfer or surrender them .

It’s helpful if you provide the recipient with proof of sales tax paid on the vehicle you’re gifting them with. Otherwise, they will be required to pay use tax on the car.

Donating a Vehicle in Washington

When donating a car to an organization treat the transfer as if you were gifting the vehicle (see above ).

Remember to obtain documentation from the organization receiving your donation for tax purposes.

Removing a Lien

If you have finished paying off your car loan, you will need to have your lender release the lien on your Washington title, so that you can title and register the car under your name.

Typically lienholders will take care of this entire process for you. However, if your lienholder does not complete the lien release, you can submit one of the following to the WA DOL:

  • A completed Affidavit of Loss/Release of Interest/Gross Weight License (Form TD-420-040) with a notarized signature from the lienholder.
  • The current title released to you with the lienholder’s signature.

Contact your lienholder for details on obtaining the released title.

Changing Information on a WA Title

The following types of changes can be made on your Washington title:

Name Change

In order to change your name on your Washington title, submit the following to the WA DOL:

  • Your current title .
  • A completed Vehicle Certificate of Ownership (Title) Application (Form TD-420-001).
  • Proof of your name change. This can be one of the following:
    • A court order.
    • A completed Vehicle/Vessel Owner Name Update Affidavit for Individual (Form TD-420-047) notarized OR signed in front of a DOL vehicle licensing office employee.
  • Payment for the $12 titling service fee, plus your new title fee (contact your local vehicle licensing office for details).

You can submit all of the above to the Department of Licensing:

Refunds and Title Services
Department of Licensing
PO Box 9043
Olympia, WA 98507

For further information on changing your name in Washington, please visit our guide to WA Name Changes.

Change Your Address

You can change your address on your Washington title and registration online at the DOL website or in person at a vehicle licensing office. Be ready to provide:

  • Your license plate number.
  • Your VIN.
  • Your former address.
  • Your new address.
  • Payment for the $12 service fee and applicable titling fee (your local DOL vehicle licensing office can give you the exact amount).

For more information on address changes in Washington, please visit our WA Change of Address page.

Duplicate Titles in WA

If you’ve misplaced the original WA title to your vehicle during a sale—or the seller has misplaced it if you’re involved in a purchase—the vehicle owner will need to:

  • Complete an Affidavit of Loss/Release of Interest/Gross Weight License (Form TD-420-040).
  • Sign the form in front of a notary.
  • Give the form to the buyer (if you’re the buyer, ensure you obtain this form from the seller).
  • Pay the $31 duplicate title fee plus the $12 service fee.

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Accelerated accounting degree #albright #college, #albright #college #accelerated #degree #programs, #albright’s #accelerated


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Majors

Albright’s ADP curriculum features an accelerated seminar format with intense use of the Internet as well as additional computer technology. Interaction between students is emphasized and much of this collaboration involves applied group activities.

While traditional classes meet 40-44 hours per semester, Albright’s ADP courses meet for four hours per evening for five to seven weeks. Remaining class time is fulfilled by a combination of Internet usage and independent study.

Through a special partnership with Reading Area Community College, Delaware County Community College, Harrisburg Area Community College, Lehigh Carbon Community College, Montgomery County Community College, Northampton Community College, and Warren County Community College, most associate degrees (A.A. or A.S.) from these colleges transfer fully to Albright ADP (and acceptance is automatic if all Albright transfer admissions criteria are met.) Albright College offers a $2,500-3,200 Partner Scholarship based on GPA to graduates of these colleges. (Any applicant with an Associates Degree is eligible for a $2,500 scholarship.)

ADP offers bachelor’s degrees in:

Accounting: The accelerated program in accounting prepares students for careers in public and private accounting and in obtaining professional certifications. This major also provides students with a strong foundation for entering a graduate school program.

Business Administration: The accelerated program in business administration prepares students for a wide variety of careers in finance, banking, marketing and management. This major also provides students with a strong foundation for entering a graduate school program.

Crime & Justice: The accelerated program in crime and justice involves an analysis of criminal deviance and its roots, plus an in-depth understanding of our criminal justice system’s successes and failures. Unlike other criminal justice programs, students are not trained specifically for police work. Rather, students are educated in the academic study of crime, criminology and justice in preparation for a variety of positions within the criminal justice system.

Digital Communications: Albright College offers one of the only evening accelerated-hybrid programs in Digital Communications in the area. Focus on strategic communication across media platforms including publications, videos, and websites in the Albright College Digital Communications program. (This program is currently offered exclusively at our Reading location.)

Computer and Information Systems: The accelerated program in information systems is based on common structures and degree programs in the United States and Canada. It also meets the recommendation of the Association for Computing Machinery, which sets a variety of standards in technology fields, as well as graduate study programs.

Organizational Behavior / Applied Psychology: The accelerated program in organizational behavior / applied psychology prepares students for a wide variety of careers in social services, management, human resources, training and development. This major also provides students with a strong foundation for entering a graduate program.

Information Systems and Management: Albright s distinctive new major in information systems and management (ISAM) is designed to provide students with both the technical skills and the business acumen required to excel in information systems and business environments.

Highlights

  • Curriculum designed specifically for adult learners
  • Applied thesis project completed in workplace setting
  • Courses taught by Albright College faculty
  • 9-15 adults work as a cohort through the entire program
  • 20-24 months accelerated schedule (including breaks)
  • Four-hour session one evening per week (6-10 P.M.)
  • Convenient, “student friendly” approach
    – Textbooks / instructional materials
    delivered to your class
    – One-time registration
  • Full-time student status permits a variety of financial aid options

CALENDAR & EVENTS


Arkansas Course Transfer System: University of Arkansas – Hope – Texarkana #college


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You are here: Home / Academics / Arkansas Course Transfer System

Arkansas Course Transfer System

ARKANSAS COURSE TRANSFER SYSTEM (ACTS)

The Arkansas Course Transfer System (ACTS) contains information about the transferability of courses within Arkansas public colleges and universities. Students are guaranteed the transfer of applicable credits and the equitable treatment in the application of credits for the admissions and degree requirements. Course transferability is not guaranteed for courses listed in ACTS as “No Comparable Course.” Additionally, courses with a “D” frequently do not transfer and institutional policies may vary. ACTS may be accessed on the Internet by going to the ADHE website and selecting Course Transfer (http://adhe.edu ). Courses not having an ACTS number may also transfer. Please consult the receiving institution for complete transfer information. http://acts.adhe.edu/studenttransfer.aspx

Transfer Equivalency Degree Program Website Links for Public Universities

University of Arkansas at Little Rock

University of Arkansas Fayetteville

University of Arkansas at Fort Smith

University of Arkansas at Monticello

University of Arkansas at Pine Bluff

Arkansas State University

Arkansas Tech University

Henderson State University

Southern Arkansas University

University of Central Arkansas

Texas A M Texarkana

Upcoming Events

  • July 4 College closed – Independence Holiday
  • July 5 Classes Begin (Summer II)
  • July 6 Last Day to Register for Summer II
  • July 6 Last Day to Register for Summer II
  • July 20 Last day to Withdraw from classes
  • July 31 Campus open Fridays
  • August 3 Classes End/Final Exams
  • August 3 Deadline to Return Summer II Books

  • Balance transfer credit cards- consolidate your debt today #credit #cards # #transfer


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    Balance Transfers

    CALCULATOR INFORMATION

    The Balance Transfer Calculator estimates the amount you may be able to save by transferring to a NAB product. We’ll leave you to put in the amount you’re thinking of transferring and your current product’s purchase rate.

    Of course, any request by you to transfer this amount will be subject to our assessment of your credit application. So keep in mind, you may not be eligible for a balance transfer for the full amount on your existing cards.

    Calculator Assumptions

    Interest rate

    The interest rate displayed is our current balance transfer promotional interest rate.

    We’ve also displayed our current promotional purchase interest rate.

    All rates displayed are per annum.

    Fees

    This calculator only takes into account your current product’s purchase interest rate. You’ll also need to consider what other fees and charges apply to your current card and any discounts, or promotional offers, to assess any savings.

    The estimated savings also do not take into account any fees applicable to your new NAB product, including any balance transfer fee that may apply. So to more accurately assess any savings you’ll need to read the product webpages on this site and understand what fees and charges will apply.

    Monthly repayments

    The estimated savings assumes that during the promotional period you make no cash advances and make the minimum monthly repayments each month required under the terms and conditions.

    If you’re considering a balance transfer, there are several things you need to know.

    * Balance Transfer Special Offer

    Offer commences 1 June 2017. For approved applicants who apply for a new personal NAB Premium Card by 1 October 2017. The balance transfer interest rate will apply for a 20 month statement period from account opening. After the 20 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 1 June 2017). Interest rates are subject to change and available at www.nab.com.au.

    Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when losing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

    Transfer as little as $200 from one or two cards.

    You can transfer balances from one or two non-NAB cards. Each amount needs to be at least $200.

    Terms and conditions available here. Fees and charges are payable. Approval and credit limit is subject to NAB’s credit assessment criteria. Information, including interest rates and annual card fees, subject to change. Correct as at 1 June 2017.

    Credit cards issued by National Australia Bank Limited. ©2017 National Australia Bank Limited ABN 12 004 044 937 AFSL Australian Credit Licence 230686.


    Car Insurance for a New Vehicle #new #car, #car #insurance, #switch, #transfer


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    Car Insurance for a New Vehicle

    You have many considerations to make when buying a new car. Insurance is just one of them.

    Whether you switch to a new auto insurance provider or transfer your existing insurance to your new car, ensuring that you have the right car insurance is an essential part of the process of purchasing a new vehicle.

    Getting a Quote Before You Buy

    The type of vehicle you drive has an effect on your car insurance rates, so getting a quote for the type(s) of cars you are considering can be a wise choice.

    First, if you’re choosing between multiple vehicle types. getting quotes can help you make your decision (e.g. if one type will be much costlier to insure, you may choose the other).

    Second, whenever you’re buying a new car, you need to reevaluate your coverage.

    • Your current provider mayno longer be the most affordable provider for car insurance coverage you’ll need for your new vehicle.
    • Also, other providers may have additional products and offerings that better suit your new needs.

    Finally, it’s smart to periodically check for car insurance quotes. You may be paying more than you need to if you’ve stayed with the same company for years without looking around at prices and discounts offered in the market.

    Before you buy your new car, get at least 3-4 car insurance quotes for the type of vehicle you’re looking to buy so you’ll know what to expect.

    What You’ll Need to Drive Your Car Off the Lot

    Driving without car insurance coverage is illegal, so you’ll need to make sure you are covered before you drive your new car off the lot.

    If you already have car insurance, you may need to adjust your coverage for your new vehicle. For example, you might be required to add comprehensive or collision coverage if you are taking out a loan on the car.

    However, even if you need to adjust your insurance for your new car, your current policy may cover you for a short period of time after the purchase of a new vehicle.

    Check your declarations page to be sure.

    If you’re unsure whether you’ll be covered, provide the vehicle information to your car insurance company before you complete the purchase. Your agent should be able to let you know what you’ll need.

    If you’ll be changing companies. make sure to find out exactly how long your current car insurance will extend, and make sure you have an exact start date for your new policy and end date for your old policy. For more information, please see our page on switching car insurance companies.

    Notifying Your Insurance Company

    If you are going to transfer your current car insurance from your old vehicle to your new one, or are planning to switch to a new provider altogether, it’s your responsibility to alert your insurance company.

    Do not assume you are covered if you do not make a call.

    It is a good idea to call your car insurance company before you buy your new car. if possible. This will ensure you know exactly how you’ll need to move forward with your insurance before you even drive your car off the lot.

    The Benefits of Gap Coverage

    Once you drive a car off the lot, the actual cash value depreciates significantly. If you’re going to have a loan or lease on your new ride, you can protect yourself financially by opting for gap coverage.

    Gap coverage takes into account the dangers of depreciation and covers the difference between your loan amount and the car’s actual cash value if it was totaled in a crash.

    This ensures you are not left with a large car loan bill and no car, if your vehicle is totaled in a serious accident.

    If your current company does not offer gap coverage, you may wish to look around at other options in the market to make sure you have financial protection.

    To learn more about this type of car insurance coverage, visit our Gap Coverage page.

    Car Insurance Premiums

    When you transfer car insurance to a new car from your existing car, don’t be surprised if your insurance premiums change.

    • They may increase if the vehicle is more costly to repair or represents a greater risk to the insurance company.
      • Examples include sports cars and luxury vehicles.
    • They may decrease if the vehicle is cheaper to repair or presents a lower risk.
      • Examples include affordable cars and those with many safety features.

    If you are looking to save money on insurance, hybrid vehicles may be a good choice. Several insurance providers are now offering lowered rates on hybrid vehicles in an attempt to encourage more people to “go green.”

    Whichever vehicle you’re considering, getting multiple car insurance quotes will give you a good idea of the rate ranges you can expect.

    Multivehicle Discounts

    If you plan on keeping your current vehicle, adding a new car to your current policy may be a way to help you save money.

    Most car insurance companies offer multivehicle discounts. which lower the cost of additional vehicles added to the policy. Talk to your current auto insurance agent about the availability of this discount type.

    Remember, auto insurance is a crucial part of the puzzle when purchasing a new car. It is essential to do your due diligence to avoid any unwanted surprises – such as higher premiums – later.


    Excelsior College #mba #degree, #mba #program, #business #administration, #mba, #human #resource #management,


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    Human Resources Management

    Effective HR management leaders put individuals in a position to succeed. We do the same thing at Excelsior College: We help adult students succeed by offering a fast, affordable route to an Master of Business Administration (Human Resources Management) .

    A national leader in distance learning for more than 40 years, Excelsior College can help you fit an MBA program into your schedule and budget. Our human resources management concentration features:

    • Online classes that you take at your convenience.
    • A fast track to graduation, with liberal credit-transfer policies that get the most out of your previous education (including approved military classes and professional certificates).
    • Budget-friendly tuition, financial aid, and flexible payment options. (Get the exact figures on Excelsior’s low tuition and fees. )
    • Rigorous HR management classes that are academically equivalent to traditional on-campus programs.
    • Personalized academic advising and support.
    • Sensitivity to the particular educational needs of working adults.

    Here’s how an Excelsior College MBA can help you fast forward your career.

    A Practical MBA With a Real-World Focus

    Excelsior College is accredited by the Middle States Commission on Higher Education. To learn more about the MSCHE accreditation programs and specialized accreditations, see our accreditation page.

    Excelsior’s MBA programs emphasize practical workplace knowledge over theoretical learning. You’ll take online HR management classes in subjects such as:

    • Labor relations
    • Conflict resolution
    • Compensation and benefits

    Review the degree requirements for Excelsior’s online MBA program.

    Upon completion of an Excelsior College Master of Business Administration, the graduate will be able to:

    1. Analyze real-world business problems and generate recommendations for action.
    2. Integrate accounting, marketing, finance, management, and economics into strategic business analysis.
    3. Assess the impact of the global business environment on business situations.
    4. Apply quantitative methods to analysis of business situations.
    5. Perform ethically and professionally in business and society.
    6. Communicate effectively to relevant audiences orally and in written materials.
    7. Collaborate in teams to produce required deliverables.
    8. Apply project management skills to business situations.
    9. Assess the ethical implications of actions for diverse stakeholders.

    The MBA requires 36 – 51 credits, depending on a student’s prior learning. Students may transfer in up to 24 approved credits. The program has 5 foundation requirements that can be waived on the basis of prior upper level undergraduate study in the relevant areas. Approved undergraduate courses must be no older than 10 years, with a grade of B or better. The foundation requirements are:

    • Ethics
    • Economics
    • Marketing
    • Organizational Behavior
    • Quantitative Analysis

    Any waivers will be counted as part of the 24 credits allowed in transfer. See catalog for further details.

    See the credit requirements in chart form .

    IACBE Specialized Accreditation

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.


    International Account #international #bank #transfer, #global #money #transfer


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    International Bank Transfer and Global Money Transfer

    The quick and easy way to manage your money

    Moving your money around the world should be straightforward, and with Citi International Personal Bank it is. With Citi International Personal Bank’s international banking services, you can make a global money transfer safely and quickly by choosing from our wide range of options below.

    Moving money into your account

    If you want to make an international money transfer into your account you can do so quickly and easily by providing the appropriate information to your current bank. For a list of these details see the ‘transferring funds internationally’ documents, on our
    fees and important documents page.

    Transfer up to £25,000 a day online

    We’ve increased the transfer limit from £10,000 to £25,000 per day for online payments.

    Transfer up to £25,000 via Citi Online or by using the Citi Mobile® UK app.

    When using the Citi Mobile® UK app you’ll need to have already registered the payee on Citi Online to transfer up to this limit.

    Citibank Global Transfers

    SWIFT

    SEPA

    BACS

    CHAPS

    Citibank Global Transfers allow you to set up an international bank transfer instantly and fee free between Citibank accounts in over 20 countries across the world.

    Funds are debited from your account straightaway and can be used immediately in the recipient’s account.

    International Money Transfer and International Money Transfer services

    Provided you have a Citi Debit Card you can use Citibank Online to make an international money transfer to other Citibank accounts free of charge to over 20 countries. You can also use Citibank ATMs or arrange Citibank Global Transfers through your Citi International Personal Bank Relationship Manager .

    Countries included in the Citibank Global Transfer service:
    • Australia
    • Bahrain
    • China
    • Colombia
    • Hong Kong
    • India* (selected locations)
    • Indonesia
    • Taiwan
    • Thailand
    • UAE (United Arab Emirates)
    • United Kingdom
    • USA (selected locations)
    • Vietnam

    *Changes affecting Citibank Global Transfers (CGT) to India: Due to a change in policy from Citibank India, effective from 1st February 2016 you can no longer make a CGT to a Citibank India domestic (Savings) account. CGTs to Non-Resident Indian (NRI) accounts are not affected by this change in policy. Read more

    You can still transfer money quickly and conveniently to domestic accounts in India via an International SWIFT funds transfer. A fee may be charged for each transfer, for more detailed information on fees see our fees schedule

    If you are unsure whether you are paying into a domestic or NRI account, please check with the recipient account holder.

    Changes affecting Citibank Global Transfers (CGT) to the Czech Republic: Citibank Czech Republic has been sold to Raiffeisenbank, therefore from 28th February 2016 CGTs to Citbank Czech Republic will no longer be possible.

    ** Please note: Citi Japan has been sold to Sumitomo Mitsui Banking Corporation (SMBC) therefore from 1st November 2015 clients will only be able to transfer money through this service if the Citibank account in Japan was opened prior to this date.

    You can still transfer money quickly and conveniently to accounts in India or the Czech Republic via an International SWIFT funds transfer. Please refer to our Fee Schedule on the fees and important documents page for more detailed information on fees.

    Make the most of our international money transfer services

    Already a client?

    Interested in joining us?

    Our SWIFT Funds Transfer service is suitable if you want to make a global money transfer to a country that is not part of our Citibank Global Transfers service, as money can be sent to most countries in most currencies.

    An international bank transfer via SWIFT Funds Transfers usually clears within five working days. A fee is charged for each transfer and Citibank exchange rates may apply. For more detailed information on fees see our fees and important documents .

    SWIFT Transfer and SWIFT Number

    Making a SWIFT Funds Transfer

    Ensure you have the following information to hand before requesting a SWIFT Funds Transfer through your Relationship Manager :

    • The Citi International Personal Bank account number you wish to transfer funds from.
    • The amount and currency you wish to transfer.
    • The BIC (Bank Identifier Code)/SWIFT Number (Code) and IBAN (International Bank Account Number, in a European country) of the account you are transferring funds to. You will need to ask the payee for this information.
    • Full name and address of the beneficiary bank.
    • Correspondent bank details for payments in currencies different to that of the receiving country e.g. if you are paying US Dollars to the UK. Some foreign currency transfers need an additional transfer bank account, which is Citibank UK’s clearing, or correspondent bank for that currency.

    For more information on how to make a SWIFT Funds Transfer, refer to the transferring funds information for London and Jersey, on the fees and important documents page.

    Please note: To view the SWIFT Funds Transfer fees please refer to our Fee Schedule on the fees and important documents page.

    Find out about making SEPA payments with our international banking services.

    Take advantage of SWIFT Funds Transfers

    Already a client?

    Interested in joining us?

    Important information

    Please note, in certain circumstances we will contact you to confirm your request before processing it – e.g. if you are making a withdrawal for a large sum of money. This is to maintain the security of your account and is designed to protect your interests.

    Costs may be incurred when transferring funds from another bank. Citi International Personal Bank does not apply a fee for receipt of incoming funds.

    Transfer funds electronically within the UK on the same day with CHAPS Transfers.

    CHAPS Funds Transfers can be arranged via your Relationship Manager for a competitive fee – for more information on fees see our fees and important documents .

    CHAPS Funds Transfers

    If you wish to send a CHAPS payment within the UK, please provide your Relationship Manager with the following information:

    • The full account name of the person or company you wish to pay
    • The name of their bank, branch and 6 digit sort code
    • Their bank account number
    • The amount to be paid
    • Payment reference (if required)

    For more information on how to make a CHAPS transfer, as part of our offshore banking services, please refer to the ‘transferring funds internationally’ documents for London and Jersey, on our fees and important documents page.

    Take advantage of CHAPS Funds Transfers

    Already a client?

    Interested in joining us?


    Excelsior College #associate #degree, #administrative, #management, #degree, #degree, #earn #degree, #get #degree,


    #

    Administrative / Management Studies

    If you’ve learned business administrative management skills in a non-classroom setting such as the military or the work force, you can translate your experience into an Associate in Applied Science in Administrative and Management Studies from Excelsior College.

    A national leader in distance learning for more than 40 years, Excelsior specializes in meeting the needs of adult students—especially career changers and students from a military background. We grant academic credit for many forms of military-related education and training, speeding you toward a business associate degree that can put you on a new career path.

    Flexible, Affordable, Convenient—and Completely Online

    At Excelsior College, you’ll study with first-rate faculty from leading institutions around the country, learning core administrative and management skills such as:

    • Writing memos, reports, and other correspondence.
    • Using common business software and hardware.
    • Managing staff and advising superiors.
    • Basic accounting and bookkeeping.

    After earning an AAS degree from Excelsior College, you’ll possess business administrative management skills that employers look for—and value. Many students transfer directly into a business bachelor’s degree program. Others use their AAS degree to:

    • Earn a promotion from their current employer.
    • Land a new job with higher pay.
    • Change careers.

    Excelsior is accredited by the Middle States Commission on Higher Education. (Learn more about the MSCHE accreditation programs and specialized accreditations on our accreditation page. )

    We expect that as an Excelsior College Associate in Applied Science in Administrative/Management Studies graduate you will be able to demonstrate:

    1. Effective oral and written communication skills.
    2. Introductory college-level knowledge in one or more of the subject areas in mathematics and/or natural sciences.
    3. Introductory college-level knowledge in one or more of the social sciences.
    4. A comprehension of cultural diversity, human behavior, and the relationship between business and society.
    5. A proficiency in administrative/management skills required in an organization.

    60 credits: 20 in arts and sciences, 20 career component credits, 20 electives to include a mandatory 1-credit information literacy course.

    Beginning January 1, 2012, an associate degree capstone course will be required.

    See the credit requirements in chart form .

    Bachelor of Professional Studies in Business and Management

    Bachelor of Science in Business with concentration in General Business


    Balance Transfer Credit Cards – Pros and Cons #bal #transfer #credit #cards


    #

    Pros and cons of a credit card balance transfer

    That credit card debt you’ve managed to pile up is about to get more expensive.

    The Federal Reserve is poised to raise its benchmark interest rate twice more in 2017. That means the interest rate you pay every month on your credit card debt could increase by half a percentage point before the year is out.

    It may be time for you to shield yourself from the impacts of a rate hike by applying for a balance transfer credit card .

    What is a balance transfer credit card?

    Balance transfer credit cards can reduce the interest you pay on your total credit card debt, effectively lowering your monthly payments and saving you money on finance charges. These cards allow you to consolidate all of your credit debt onto 1 low-rate card.

    A credit card offer that features a low- or 0%-interest introductory period on debt transferred from another credit card can be an efficient way to vanquish a large credit card balance over time without shelling out any (or very little) interest. It’s also the only practical way to pay off one credit card with another. Credit card companies won’t allow you to directly use a credit card to make a monthly payment.

    Who should (and shouldn’t) get one?

    These cards are typically designed for and offered to individuals with good to excellent credit. You may not qualify if your credit isn’t in tip-top shape. If you have damaged credit, a personal loan might be a better option, particularly if you can find a fixed-rate offer that is lower than your credit card’s annual percentage rate.

    Balance transfer cards are ideal for individuals struggling to pay off the principal of their credit card debt due to high monthly interest payments. With balance transfer cards, you can make one low-rate monthly credit card payment instead of several.

    “If you can really keep yourself on a budget. (a balance transfer credit card) can be a useful tool” for paying down debts, says Thomas Nitzsche, a certified credit counselor and communications lead at Money Management International, a Sugar Land, Texas-based nonprofit credit counseling agency.

    But if you’re simply transferring balances from card to card, the new one won’t eliminate your debt woes. In fact, you could wind up exacerbating them because balance transfers often involve fees and could carry high go-to interest rates once the introductory period is over.

    “You have to do a balance transfer for the right reasons,” says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. “To do it to tread water for another 12 months before sinking is not worth it. To tread water while aggressively paying down your debt in 12 months — that’s the right strategy.”

    Tips on balance transfer cards

    Before jumping at an offer, read the fine print and calculate the costs. The key figures are the:

    • Introductory interest rate.
    • Annual percentage rate (APR) after the intro rate.
    • Balance transfer fee.
    • Minimum monthly payment.

    Under federal law, the teaser rate must last at least six months. Many balance transfer credit cards will offer introductory rates for longer periods, anywhere from 9 to 18 months or sometimes even longer, Nitzsche says.

    Use a credit card balance transfer calculator to figure out if you’ll be able to pay off the balance in full before the promotional period ends. Otherwise, you may end up paying a much higher rate on your credit balance.

    In addition, stay away from using the card for further purchases while paying off the balance. It’s important to steadily reduce your credit card balance on a monthly basis.

    Don’t forget to add in the cost of the balance transfer fee, which is typically around 3 percent of the balance. Also factor in what the new card’s minimum monthly payment will be; often, it’s a percentage of the balance transfer.

    Can I qualify?

    Even if all the numbers pan out in favor of a balance transfer, you still have to qualify. That means you should have a good idea of what your credit looks like before applying. Check your credit report for free now.

    Those with stellar credit (750 or above) will likely qualify for the best teaser rates. If your credit score falls below that, you may get a higher teaser rate, but it still may be lower than what you’re paying now.

    “You have to set your expectations within the realm of reality,” says Bruce McClary, vice president of public relations and external affairs with the National Foundation for Credit Counseling.

    The other factor is the credit limit. There’s always a chance the new issuer won’t dole out a large enough credit line for you to transfer your entire balance, says Linda Sherry, director of national priorities at watchdog group Consumer Action.

    Check the fine print to see if there is a cap on the balance transfer amount. Otherwise, you may not find out if your new account will be able to swallow your balance until after the account is opened, Sherry says. Then you’ll have two credit cards you need to pay off.

    Living with a transfer

    You qualified for the balance transfer and moved your debt to a no-interest account. Now what?

    Make sure the old card has been paid off by getting a statement from your old issuer. Sherry recommends keeping the old card open, charging very little each month (such as gas) and paying off the balance in full. That will help boost your credit score while you pay down your debt. If a balance still remains on the old card, continue to make payments on time.

    Meanwhile, attack the balance transfer debt before the introductory period is up. And make sure every payment gets in on time. Otherwise, the intro rate could disappear.

    People who don’t utilize these best practices risk digging a deeper hole for themselves.

    “They’ve just doubled the amount of debt they are dealing with in a short amount of time and then the debt becomes unmanageable,” McClary says. “Hold your feet to the fire when it comes to paying down that balance so you don’t get burned later.”

    Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

    Bankrate’s community sharing policy

    Bankrate wants to hear from you and encourages thoughtful and constructive comments. We ask that you stay focused on the story topic, respect other people’s opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Comments are not reviewed before they are posted. Bankrate reserves the right (but is not obligated) to edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink.

    By submitting a post, you agree to be bound by Bankrate’s terms of use. Please refer to Bankrate’s privacy policy for more information regarding Bankrate’s privacy practices.


    No Balance Transfer Fee Credit Cards #credit #card #offers #no #balance #transfer


    #

    No fee balance transfer credit cards

    Consolidate your debts without paying interest and any extra fees with a no balance transfer fee credit card.

    If you’re struggling with credit card debt, a balance transfer could help you achieve financial freedom sooner. By transferring existing debt onto a new 0% balance transfer card. you’ll enjoy an interest-free introductory period that will help you cut down costs and repay your debt faster. However, some cards do charge a one-off balance transfer fee when you move your debt. This guide explains what a balance transfer fee is and the cards you can use to avoid them.

    Comparison of credit cards with no balance transfer fee

    Rates last updated June 24th, 2017

    What is a balance transfer fee?

    Some credit cards charge a one-time fee of between 1-3% of the amount you are transferring. This fee is more common among 0% balance transfer credit cards because it lets card providers recover lost profits made from low or no interest rates. Depending on the size of your balance transfer and the percentage charged, this fee can make your balance transfer less worthwhile. For example, if you’re moving a debt of $10,000 and the balance transfer fee is 3% of the total, your balance transfer fee would be $300. You can find out whether a card charges a balance transfer fee on our review pages or the relevant product disclosure statement.

    How do no balance transfer fee credit cards work?

    No balance transfer fee credit cards promise no extra fees when you move your balance across to the new account. However, despite waiving the balance transfer fee, some card providers might make up for it by charging higher interest rates or annual fees.

    How to compare balance transfer credit cards with no fee

    The following factors are important when considering a no fee balance transfer credit card:

    • Balance transfer interest rate. When it comes to interest rates on your balance transfer, lower is obviously better and 0% is the ideal rate.
    • Length of promotional period. The length of the introductory period directly factors into your interest savings: the longer the period, the more money you’ll save.
    • Revert rate. This is the higher interest rate that you’ll pay once the promotional period ends. This is especially important if you have not paid your debt off in full by this time.
    • Balance transfer limit. The amount you can transfer is limited by the card’s limit and the card’s policy on balance transfers. Your transfer may be limited to a percentage of your credit card limit (such as up to 90% of your credit limit).
    • Eligible banks. There may be restrictions on which credit cards you can transfer your existing balance to. Usually you will not be allowed to balance transfer between accounts managed by the same card issuer. See the full list of who you can balance transfer to here .
    • Interest rates. Consider the other interest rates that may apply, such as the rates for a cash advance or purchase.
    • Fees. You should also factor in other possible fees including the card’s annual fee as well as cash advance, ATM and foreign transaction fees.

    How to make the most of a no balance transfer fee credit card

    Follow these tips to maximise the benefits of your new card:

    • Plan your repayments. Do this at the outset and stick to it. By being disciplined and forming a well-considered debt reduction plan, you will get out of debt more quickly. The aim is to repay your entire balance before the introductory period ends.
    • Pay more than the minimum amount. Many people make the mistake of reducing their monthly repayment amount and pocketing the extra cash they save during the 0% interest period. While you might find the extra cash flow helpful in the short term, this won’t help you reduce your credit card debt in the long run.
    • Be careful about making new purchases. If you’re planning to use your balance transfer credit card to make purchases, be aware that you may not be eligible for interest-free days on purchases while carrying a balance. The interest on your purchases could offset the interest savings from your balance transfer and grow your debt.
    • Avoid incurring other fees. Other fees can quickly accumulate to erode your interest savings. For instance, getting cash from an ATM could incur a cash advance fee, an ATM fee and a cash advance interest rate that begins accruing from the date of that transaction.

    Even with 0% interest on your balance transfer and no balance transfer fees, there is still no perfect credit card out there. The best you can do is thoroughly research all available options to find the one that will best match your needs.

    Was this content helpful to you? No Yes

    Disclaimer – Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd AFSL 342880. Please refer to our FSG – Financial Products. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our Credit Guide for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Tolstrup Financial Services Group Pty Ltd. ABN 51 586 953 292 AFSL 244436 for the provision of general insurance products. Please refer to our FSG – General Insurance. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Although we cover a wide range of products, providers and services we don’t cover every product, provider or service available in the market so there may be other options available to you. We also don’t recommend specific products, services or providers. If you decide to apply for a product or service through our website you will be dealing directly with the provider of that product or service and not with us. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. (c) 2017.

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    finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don’t cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.

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    Balance Transfer Offers #balance #transfer #card #offers


    #

    Balance Transfer Offers

    The range of 0% balance transfer offers available in the competitive UK credit card market is constantly changing as the credit card companies compete for customers.

    There are balance transfer offers available on cards with 0% on balance transfers for 6 months all the way up to credit cards with 0% on balance transfers for up to 41 months.

    The length of the balance transfer offers in 2017 are not the only factor in choosing the right balance transfer credit card of course.

    Balance transfer fees also vary between each different credit card. In general those cards with shorter balance transfer offers have lower balance transfer fees and those with the longest promotional offers tend to have higher balance transfer fees.

    Balance Transfer Offers

    At Balance Transfer Expert we currently have details of each and every card with 0% balance transfer offers available online and all of the more than 110 cards can be found on our balance transfer cards page.

    The most popular featured 0% balance transfer offers with good acceptance rates currently include the following cards :-

    Card Offers

    Card Details

    • 0% interest for up to 40 Months on balance transfers from account opening
    • 2.69% balance transfer fee
    • 0% interest for 3 Months on purchases from account opening
    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
    • The 0% offer is applied to any balances or money transferred within the first 90 days of opening your account
    • Apply online and get a decision within 60 seconds
    • Annual Fee: None

    Application Criteria

    • You have an annual income of at least 5,000
    • You are at least 18 years of age
    • You have a good credit history
    • You live in the UK, or have a British Forces Post Office address
    • You don’t currently hold more than 1 Tesco Bank Credit Card
    • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress

    Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of 1,200 and a purchase rate of 18.9% p.a. (variable)

    The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances

    Card Offers

    Card Details

    • 0% for up to 40 months from account opening on balance transfers made in first 90 days
    • 1.69% balance transfer fee in first 90 days (after 1.31% refund), 3% fee applies after 90 days
    • 0% for 6 months from account opening on purchases
    • Cover against online fraud when purchasing on the Internet
    • Online account management
    • Annual Fee: None

    Application Criteria

    • You are a UK resident
    • You have a regular income
    • You do not have any Count Court Judgements against you
    • You are aged 18 or over

    1.69% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days

    Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of 1,200 and a purchase rate of 18.95% p.a. (variable)

    The APR and length of the promotional offer are dependent on your personal circumstances

    Card Offers

    Card Details

    • 0% on balance transfers for 41 months from date account opened (20.9% APR thereafter)
    • 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
    • 0% on purchases for 3 months from the date your account is opened
    • 0% on money transfers for 41 months from date account opened (20.9% APR thereafter)
    • 3.80% money transfer fee in first 60 days. 5% fee applies after 60 days
    • Contactless payments to quickly and securely pay for purchases up to 30
    • Annual Fee: None

    Application Criteria

    • You are a UK resident
    • You have a bank or building society account
    • You have a good credit history
    • You are aged 18 or over

    Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of 1,200 and a purchase rate of 20.9% p.a. (variable)

    Credit limits will vary based on your individual circumstances

    Card Offers

    Card Details

    • 0% interest for up to 24 Months on balance transfers made within the first 90 days of opening your account
    • No balance transfer fee
    • No introductory offer on purchases
    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
    • Apply online and get a decision within 60 seconds
    • Online Account Management
    • Annual Fee: None

    Application Criteria

    • You have an annual income of at least 5,000
    • You are at least 18 years of age
    • You have a good credit history
    • You live in the UK, or have a British Forces Post Office address
    • You don’t currently hold more than 1 Tesco Bank Credit Card
    • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress

    Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of 1,200 and a purchase rate of 18.9% p.a. (variable)

    Card Offers

    Card Details

    • 0% for up to 32 months from account opening on balance transfers made within first 90 days
    • 0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
    • 0% for 12 months from account opening on purchases
    • Cover against online fraud when purchasing on the Internet
    • Online account management
    • Annual Fee: None

    Application Criteria

    • You are a UK resident
    • You have a regular income
    • You have not bankrupt or subject to an IVA and have no County Court Judgments
    • You are aged 18 or over

    0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days

    Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of 1,200 and a purchase rate of 18.95% p.a. (variable)

    The APR and length of the promotional offer are dependent on your personal circumstances

    Card Offers

    Card Details

    • 0% for up to 33 months from account opening on balance transfers made within first 90 days
    • 0.59% fee applies (after 2.41% refund) on balance transfers made in first 90 days, 3% fee applies after first 90 days
    • 0% on purchases for 3 months from account opening
    • Lloyds Clicksafe and Internet fraud protection
    • Online card servicing
    • Annual Fee: None

    Application Criteria

    • You are a UK resident
    • You have a regular income
    • You have a good credit history free from any county court judgements
    • You are aged 18 or over

    20 cashback on the first balance transfer made within 90 days of account opening

    Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of 1,200 and a purchase rate of 18.94% p.a. (variable)

    The APR and length of the promotional offer are dependent on your personal circumstances

    Card Offers


    Couple ‘powerless’ after wife’s transfer #copley #square #hotel

    #sarcee hospice

    #

    Couple powerless after wife s transfer

    Matt McClure and Erika Stark, Calgary Herald 06.11.2013

    Alberta Liberal health critic Dr. David Swann said the province’s health authority is devoting too few resources to palliative care.

    Gavin Young / Calgary Herald

    A Calgary area man is upset his terminally ill spouse has been discharged from a hospice because she’s apparently taking too long to die.

    Ian McDougall said his wife was admitted to Carewest’s Sarcee Hospice five months ago with metastasizing cancer, but administrators transferred the bedridden woman to a long-term care facility last week against her doctor’s wishes.

    “It’s very cruel what they’ve done,” McDougall said in an interview.

    “I would like my wife to be allowed to stay in the hospice where she may die in peace with dignity.”

    A palliative care specialist says experiences like the Bragg Creek couple’s are inevitably upsetting, but rare in a city like Calgary that is relatively well-resourced with 108 hospice spaces.

    Dr. David Falk said less than five per cent of patients are sent home or transferred to another facility.

    “Hospices have one nurse for every seven patients, while a long-term care facility has one for every 30 beds,” Falk said.

    “We try not to disrupt the bonds that are formed in a hospice, but sometimes it’s necessary.”

    Alberta Health Services spokesman Don Stewart was unable to respond to questions about McDougall’s case for privacy reasons, but he said the health authority would continue to work with the patient and family to ensure concerns are heard and addressed.

    The median stay at a hospice is about 15 days.

    The average stay is just over two months, a figure AHS officials said has declined over the past four years.

    A health authority brochure warns patients they may be transferred or sent home based on a reassessment by their medical team.

    “In some circumstances, patients will stabilize and are then no longer appropriate for the hospice setting,” the brochure says.

    Liberal health critic Dr. David Swann said McDougall’s case shows the province’s health authority is devoting too few resources to palliative care.

    “This woman has been put in a strange place with strange people who may not have the experience in providing end-of-life care,” Swann said.

    “It’s heartless that this government would take away dignity from those who have so little left.”

    McDougall said an official in Alberta Health Minister Fred Horne’s office promised last week that his wife’s situation would be investigated, but he hasn’t heard anything further.

    “We’re powerless,” McDougall said.

    “They (AHS authorities) are doing everything to us.”





    Take distance Calculus course online class with video lectures, live help, forum


    #

    Mathematics | CEL
    Active forum Flexible
    HD video lectures new downloadable and playable on smart phones and ipads
    Transfer academic credit to your university
    4 semester units,summer 2017, 14 weeks, June 19 – Aug 12,
    fully online, flexible Calculus I – MATH 226
    14 years of verifiable track record serving hundreds of students annually
    Calculus class online with video lectures. active forum & personal help

    This is the future – recent article about this this class and the professor.

    Department of Mathematics, San Francisco State University (SFSU), 1600 Holloway Avenue, San Francisco, CA 94132. SFSU is accredited by Western Association of Schools and Colleges (WASC).

    What are the students who succeeded in this online calculus class say and what advice they offer?

    A student from summer 2016. Dear Professor Goetz, I would like to thank you and your team for all your help with this class. Your students have been really efficient with the feedback on the homework and I really appreciate that. Also, your lectures/videos were very clear and easy to understand, the summer class was definitely tough but I had fun.

    Continuing student in 2016. I am writing you to inquire about adding your Math 227 Calculus II. Over the summer I completed Calculus I with your online class and received a B. I found a new appreciation for online classes and your class by far made me love online studying. I enjoyed the self paced instruction and I felt as if I was able to understand the material a lot better. The way your class was structured was very organized and is set up for student success. Hopefully I can join your class again.

    Josephine, University of the Pacific, Summer 2010 Although this class was an online class, I felt that I got the full experience as if I were taking this class in person. The video lectures really helped me learn a lot since I was able to visualize everything Professor Goetz was doing and explaining. By doing all homework assignments and sharing my thoughts and answers with other students on the forum really helped me a lot. It allowed me to ask questions to receive help from fellow students. Not only did I get help, but I also got to help other students as well. For me, when I’m able to explain something I understand, it makes me remember the concepts even more. This class was absolutely spectacular, if Professor Goetz ever had another math course available online during the summer, I would definitely take it.

    Lucas, The Citadel, Summer 2010 I was very pleased with this course. I have never been a math genius and the way that this course is designed helped me tremendously: the video lectures, forums, online notes, etc. I would highly recommend this course to any student who is trying to get ahead in their college credits. Fair warning though, it was not an easy summer course. You must remain motivated throughout the duration of the course and be sure to not get behind in the course load. All students have the opportunity to work ahead in the course and prevent this from happening. If you can do this, do it! Thanks Professor Goetz!

    Chris, May 2008 I am going into the corporate banking world next year. I will take some of the tools I learned in this class, and make a lot of people money. Thanks once again Professor Goetz, it was a pleasure! Albeit not much pleasure stumped and sweating over graphs and such, but your enthusiasm and lectures gave me prospective of the bigger picture of mathematics. Isn’t that the point! Bravo to a teacher who understands this.

    David – 20 May 2008, 07:42 PM The hardest part for me, as someone who hadn’t taken a math class in more than 5 years, was adjusting at the beginning of the semester. It was easy for forgotten algebraic principles and equivalencies to get in the way of new concept learning in the beginning. I was a little nervous at first because the first few assignments were taking much longer than anticipated, but it became much more comfortable once the algebraic rust fell away. Do review algebra first! I got a great amount of information from the lectures and online forum, but I found it also helpful to reinforce those concepts by reviewing the corresponding textbook sections. The textbook is good for the general concept and formula checking, but when you have a more specific question just shoot it off to the forum and the feedback comes almost immediately. Trying to teach concepts in the forum to someone else, I also found, was really a great way to lock down new concepts. If you’re doing your homework early and not many people are discussing your question on the forum yet, check the stream channel for short video clips (a huge collection) that can provide that one needed concept (or trick) to the problem. Another source for learning (you will see there are very many) are great links to math websites and even designated times to personally chat online, or call, teaching assistants about your questions. Procrastination will penalize you in this course. There were some homeworks that were considerably longer than others that required early starts for a good grade. Overall it was a great learning experience that was just very convenient. You could probably be a full time business traveler and still take the course. I feel much better about my math skills now. Before I took this course, a function was just an equation that was hard to evaluate without a graphing calculator. Simply a great class with a great professor and fellow students! by Arnold – Tuesday, 20 May 2008, 09:22 PM
    How to succeed: Tip #1: Do not take this course over the summer unless you are.
    a. Either very proficient with math (algebra and trigonometry);
    b. Or you have a lot of time to devote to this class and all the homework. Tip #2: Regardless of your answer to #1, you must be willing to do a lot of work, including posting and sharing questions and answers. Tip #3: Really listen to the very first lecture where Dr. Goetz explains how Calculus came into being. That sets the stage for the entire course and its primary objective. Throughout (and especially In the middle) of the course, it is easy to lose sight of how the little concepts add up to something worthwhile or useful. Thinking back on the first lecture will help you see the bigger picture and might even give you the proper perspective to understand that troublesome derivative problem or that confusing integration problem. Seriously! Tip #4: Try on your own first. Active learning is the only way to pass the final exam! Tip #5: When tip #4 fails, use all the resources at hand: the homework forum, video excerpts of the lecture or similar problems, the grapher, external resources, even that expensive dry text book! Tip #6: When tip #4 works, take the time to give others tips or weigh in on questions posed by other students. This serves 2 purposes: it reinforces your learning and it builds your body of postings for that all-important class participation credit (which is worth an entire grade improvement)! Tip #7: Convince yourself that you love to solve all kinds of problems, including Calculus, even if that’s not entirely true. If you can get into the spirit of things, you will have some measure of fun to help temper the frustration and make the long hours of doing homework less tedious. Tip #8: Dr. Goetz and his staff are the best and they are looking after your best interest: to learn and have an appreciation for Calculus. So trust them and don’t be afraid to ask anything that would help you to make the most out of the class.
    Enjoy and good luck!

    Pre med students, Health students, MBA and pre MBA students, Biology majors, Physics majors, Math majors, all are welcome to enroll in online calculus class. Students may come from California, Nevada, New York, Washington, Chicago, Ohio, Los Angeles, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Columbia, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin Wyoming and many other international locations such as Saudi Arabia, Kuwait, Hong Kong, China, India, Great Britain, France, Israel. High school students who took pre calculus and are motivated can inquire. What is unique? Video lectures, student interactions, hand graded homework.


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    Matt McClure and Erika Stark, Calgary Herald 06.11.2013

    Alberta Liberal health critic Dr. David Swann said the province’s health authority is devoting too few resources to palliative care.

    Gavin Young / Calgary Herald

    A Calgary area man is upset his terminally ill spouse has been discharged from a hospice because she’s apparently taking too long to die.

    Ian McDougall said his wife was admitted to Carewest’s Sarcee Hospice five months ago with metastasizing cancer, but administrators transferred the bedridden woman to a long-term care facility last week against her doctor’s wishes.

    “It’s very cruel what they’ve done,” McDougall said in an interview.

    “I would like my wife to be allowed to stay in the hospice where she may die in peace with dignity.”

    A palliative care specialist says experiences like the Bragg Creek couple’s are inevitably upsetting, but rare in a city like Calgary that is relatively well-resourced with 108 hospice spaces.

    Dr. David Falk said less than five per cent of patients are sent home or transferred to another facility.

    “Hospices have one nurse for every seven patients, while a long-term care facility has one for every 30 beds,” Falk said.

    “We try not to disrupt the bonds that are formed in a hospice, but sometimes it’s necessary.”

    Alberta Health Services spokesman Don Stewart was unable to respond to questions about McDougall’s case for privacy reasons, but he said the health authority would continue to work with the patient and family to ensure concerns are heard and addressed.

    The median stay at a hospice is about 15 days.

    The average stay is just over two months, a figure AHS officials said has declined over the past four years.

    A health authority brochure warns patients they may be transferred or sent home based on a reassessment by their medical team.

    “In some circumstances, patients will stabilize and are then no longer appropriate for the hospice setting,” the brochure says.

    Liberal health critic Dr. David Swann said McDougall’s case shows the province’s health authority is devoting too few resources to palliative care.

    “This woman has been put in a strange place with strange people who may not have the experience in providing end-of-life care,” Swann said.

    “It’s heartless that this government would take away dignity from those who have so little left.”

    McDougall said an official in Alberta Health Minister Fred Horne’s office promised last week that his wife’s situation would be investigated, but he hasn’t heard anything further.

    “We’re powerless,” McDougall said.

    “They (AHS authorities) are doing everything to us.”