What is a Totaled Car? Kelley Blue Book #car #totaled, #what #is #a #totaled
Q: What is a Totaled Car?
A totaled car is a vehicle that cannot be repaired legally, safely or cost-effectively. The term is derived from insurance company terminology that describes damage that cannot be reasonably fixed and forces the insurance company to declare your car a total loss. However, even if the vehicle is declared a total loss, you do not have to relinquish the car to your insurance company. Some car owners decide to repair their cars for emotional or financial reasons.
Your car insurance agent will decide if your car is a total loss according the company’s guidelines. You or your insurance company is also responsible for notifying the state if your car is totaled, depending on your state’s laws.
There are three reasons a car may be considered a total loss. If it cannot be repaired safely, insurance companies always declare it a total loss. If a car requires repairs that cost more than its assessed value, your insurance company will also call it a total loss. State law may also require the car insurance company to declare your car a total loss due to the type or extent of the damage.
The sale price of comparable cars in your area determines the assessed value of your car, which is called the Actual Cash Value (ACV) of the car. The car’s condition, mileage and optional upgrades also affect its value, so it’s important to give your insurance company as much accurate information about your car as possible.
Totaled cars may still be valuable enough to warrant repair. If you would like to keep your car, there are ways to retain ownership and still receive a settlement check.
Insurance companies usually sell damaged cars to a salvage yard for parts or repair. If you would like to be responsible for repairing the car yourself, you can request to purchase the car back from your insurance company. Your insurance company will solicit bids for your totaled car from local salvage yards to set a fair price. If you are willing to pay that price, the insurance company will deduct the cost of the totaled car from your settlement check and return the car to you.
If the damage is too great, state laws may not allow the insurance company to sell the totaled car back to you. These laws will also restrict how you can use the totaled car. Most states refuse to issue license plates for a totaled car until it is completely repaired, can pass state inspection, and meets the requirements to apply for a new title. Depending on your state’s laws and the extent of the car’s damage, the title may also be changed to a salvage title. Additionally, you’ll be required to carry insurance on the salvaged car, such as collision coverage. that meets your state’s requirements for insurance. It is unusual to be able to obtain full coverage on a salvaged car.
The laws that govern car insurance companies and totaled cars vary between states, so it’s important to consult with your state’s Department of Motor Vehicles (DMV) before committing to repairing your car. Some car insurance companies also refuse to insure any car declared a total loss — be sure to call your insurance agent to verify they’ll insure a totaled car.
2017 INFINITI QX80
2017 Audi A6
Written by chanie on March 2nd, 2017
I I I don t even know what to say . but BREAKING THE INTERNET comes to mind. Move over Kim Kardashian because I ve got Salami Babka in the house!!
I don t know how I ve held it in for this long this gorgeous savory babka has been eating away at me (or have I been eating away at it?) ever since I conceived of it months ago I wanted to shout it from the rooftops the second this baby came out of the oven, but it was not to be, because, as you know, I save all my SALAMI revelations for Purim! Yes, Purim. The holiday of booze, dress-up, and here at Busy In Brooklyn, SALAMI.
My salami hacks have been making their mark each year for the holiday, and I think I might have finally outdone my drunken hasselback salami. because, lets face it ain t nothin better than bread and when you fill that bread with the sweet and savory fillings of apricot jam, mustard, brown sugar and salami well . you basically BREAK. THE. INTERNET.
Babka has been all the rage this year, from the famous Bread s bakery babka (who s recipe was recently made public in the Baking Breads cookbook) to the spreads in The New York Times. Bon Appetit Magazine. and all that other stuff. I have to admit that I have never made true, authentic babka (with buttery brioche dough), although I often fill my leftover challah with gooey chocolate spread, twist it up and call it a day.
I ve had savory babka on my mind for a while now, and I was kind of surprised that I haven t seen too many savory variations on the net. Especially since turning traditional sweets into savory adaptations is kind of a thing right now. My biggest obstacle with a salami babka was the brioche dough. The good stuff is loaded with butter and I just couldn t stand the thought of using all that margarine (the rules of kosher forbid me from eating milk with meat, so no butter and salami together). And yes I realize that s ironic since this thing is loaded with salami (insert facepalm emoji here!)
I considered going with a challah dough, but I finally decided I would make this super easy for everyone and just use pizza dough. Of course you can use any dough you choose, and even go crazy with the deli you stuff it with. Don t worry about all of the mess the little bits of salami that poke out of the bread and get all crispy and caramelized are my favorite part of this recipe!
Now if you ve missed my whole salami situation the reason for my yearly Purim salami postings are due to a little nugget of information that I read a couple of years back. I don t know if it was true, or it was all a Purim joke but it made mention of the fact that some people have a tradition to eat salami on Purim since it is hung, like Haman. I thought it was the coolest food custom I had ever read, so I adopted it. The part that you don t know though, is that that was a huge deal for me! Why? read on.
So growing up, my mom would make salami sandwiches every Friday afternoon for lunch for my siblings and I. She d send us outside to the courtyard of our building to eat them, so we wouldn t make a mess inside the house before Shabbat. Little did she know, we all hated those little hard white pieces inside the salami (I m pretty sure they were solid fat!), so one by one, we all chucked our salami sandwiches down the incinerator chute every. single. week. My poor mom thought we were eating lunch and little did she know!
From thereon out, I never looked at salami again. For years. Until I got married and the only thing my husband knew how to cook from his Yeshiva days was salami and eggs. I always swore I d never try it, until one day, he convinced me, and the rest is history! I learned that cooking out the salami fat leaves you with a super crispy, tasty bits of heaven that are so perfect for trashing up in fun ways!
Just. Like. This. Lets get hangin !
1 lb. pizza*, challah or brioche dough
1/3 cup apricot jam
2 tbsp deli mustard
2 tbsp brown sugar
7 oz. Abeles Heymann salami, thinly sliced
2 tbsp everything bagel spice
Preheat oven to 350 degrees. Flour your work surface and roll the dough out to about 11 x 16 . Melt your apricot jam in the microwave or in a small saucepan and brush over the dough. Squeeze some mustard over the jam and sprinkle with brown sugar. Spread the salami slices out in one layer and starting from the long end, roll up jelly-roll-style. Slice the roll in half down the center, and gently twist the two strips around each other. Don t worry if some of the salami falls out, or if pieces stick out of the dough, just try to keep the layers from falling apart. Place the salami babka into a greased loaf pan and sprinkle with everything bagel spice. If any of the salami fell out, just tuck it into the sides of the pan.
Bake the babka until golden, about 35-45 minutes. Remove from the loaf pan and slice. Serve warm, with mustard for dipping.
NOTE: I know this recipe seems messy but the idea is to have some of the salami piece sticking out of the dough so that they get crispy and caramelized, while other pieces stay moist on the inside.
VARIATION: Try this recipe with kosher bacon, or other deli meats like turkey and/or pastrami.
*of course I used store-bought pizza dough because I m about the 1-2-3!
What is a Turnkey Franchise?
You ve probably heard the term turnkey many times and may have wondered what it means in terms of franchising. Turnkey basically refers to a franchise package so complete that everything you need to start the franchise will be done for you.
On the surface, this sounds like a great idea. You pay your fee and the franchisor researches the location, signs the lease, builds out the unit, supplies you with start-up inventory, finds and trains the staff, and orchestrates the grand opening. All you have to do is turn the key to open your new business.
There are plusses and minuses to a turnkey franchise. It could be a great advantage to you because of the work and aggravation it can save. It may also be an unnecessary expense if the package is overpriced for what it offers.
If the business you are looking at getting into says it is a turnkey opportunity, here are some ways to evaluate the value of the package offered.
- Most franchisors offer only a partial turnkey program, doing some but not all of the items mentioned above. Make sure you understand what they will help you with and what tasks you ll need to tackle yourself.
- You should expect to pay a reasonable price for the labor involved in putting the package together, but not an outrageous price. If the price seems high, ask for a breakdown of the services provided.
- Group purchasing power is a definite benefit of franchising. You can expect to get a good deal on the components needed for the business since you are taking advantage of the buying power of the chain. Make sure you have an understanding of the savings.
- Ask the current franchisees about the value of the turnkey package. You ll be calling them anyway as part of your due diligence so be sure to cover this topic thoroughly. Ask them if they feel they got a fair value for the turnkey package and if the process went as smoothly as they expected.
- Finally, remember that you are paying a large up-front franchise fee and substantial ongoing royalty payments to this franchisor. These are accepted costs of a franchise business. You should not also have to pay a large markup above the actual costs to put the turnkey package together. Take the time to understand all facets of the process and the associated costs.
When the reverse is true
That being said, there are always exceptions to the rule. Some franchisors do not charge a royalty but actually make their profit by selling you the components of a franchise. For example, a smoothie franchise may sell you their proprietary kiosks and ingredients rather than charge you a royalty fee. The franchisor s profit comes from the mark-up on the products they sell you.
Again, you should expect a fair price and the best way to determine if the price is fair is to ask the existing franchisees. Ask them if they are happy with the prices they are charged and if they shopped around before signing with the franchisor to see if this was the best deal they found.
The wave of the future
As franchising becomes more and more sophisticated, most franchisors offer at least partial turnkey features. They understand that it is to their benefit to provide their franchisees with every possible advantage to give them the best chance at success.
With retail franchise concepts, the franchisor is likely to provide the equipment and fixtures to the franchisee. The franchisee will then hire a local contractor to assemble and install everything. This balances the need for the consistent look and feel the franchisor wants with the same level of cost control for the franchisee.
In addition, the more the franchisor provides the franchisee in the way of training, marketing, materials, products, build-outs, etc. the more consistent the brand is from one location to the next. This also generates more revenue for the franchisee.
It still takes you to make it work
A true turnkey franchise is a company that supplies franchises with a business in a condition ready for immediate use, occupation, or operation, according to a dictionary definition. In most cases, a franchisor will do a lot to get you up and running but you will still need to take care of a number of start-up items yourself.
But whether a business is or isn t a turnkey opportunity, or is a partial turnkey operation, don t forget that there is still one element of the equation that a franchisor cannot provide and that s the drive, talent and determination of the franchisee to make the business successful. That is completely up to you!
#car wash business
How Much Money Is Needed for a Car Wash Business?
Although a car wash may be a lucrative business earning as much as $900,000, according to Entrepreneur magazine, it is a business that requires thorough research, a lot of initial work and a large investment. This investment is dependent on the type and size of car wash you decide to build and whether you already have the property lot or not. Building a car wash can take approximately six months to complete, so you need money for administrative and other business expenses for the time you are working but not making any revenue.
If you don t already have a location for the car wash, you need to purchase a vacant lot, as this will save you the extra expense of tearing down any built construction. The cost of this lot will vary depending on the size and its location. Preferably, you want to find something on a busy street near a large department store, strip mall and several residential neighborhoods. Because real estate in high-traffic areas is more expensive, expect this type of property to be more expensive than in other areas but also more profitable. Although this cost varies significantly from location to location and state to state, generally expect to pay at least $3 per square foot.
The car wash cost is also influenced by the construction size and type. The average construction is about 1,000 square feet but can be as large as 2,500 square feet. Although cost is a factor when deciding on the size of your construction, a more important consideration should be your potential growth. It is best to start with a construction facility larger than your needs, as this gives you room to grow or expand into other areas within the car wash industry. To get a better idea of the cost of construction, consider using prefabricated car wash construction builders, or consult local architects with car wash building experience to get an estimate on construction. Under-building your car wash results in a longer time for you to recoup your initial investment and opens an opportunity for a competitor to take away your customers by building a larger and nicer facility.
To plan your budget as accurately as possible, consider the costs of equipment which, according to Inside Self-Storage, can have an approximate cost of $30,000 to $40,000 per bay, depending on the climate and state. However, this is just a general guideline and the cost of this equipment varies depending on the brand, the type of equipment and whether you are building an automatic or self-serve car wash. The best way to assess the equipment cost is to contact various local equipment distributors and compare prices for the equipment you want. Contact distributors through websites like Car Wash Distributors, Car Wash Network or A-OK Equipment. Also look through trade magazines such as Auto Laundry News, Professional Distributor or Modern Car Care to find equipment options and distributor options.
A car wash involves the cost of the lot, equipment and building construction. Some owners may be able to start with an initial investment capital of approximately $100,000 providing they already own the land where the car wash is built. Otherwise you can expect to invest approximately $80,000 per bay including the cost of the lot and the building construction.
business intelligence (BI)
Business intelligence (BI) is a technology-driven process for analyzing data and presenting actionable information to help corporate executives, business managers and other end users make more informed business decisions. BI encompasses a variety of tools, applications and methodologies that enable organizations to collect data from internal systems and external sources, prepare it for analysis, develop and run queries against the data, and create reports, dashboards and data visualizations to make the analytical results available to corporate decision makers as well as operational workers.
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The potential benefits of business intelligence programs include accelerating and improving decision making; optimizing internal business processes; increasing operational efficiency; driving new revenues; and gaining competitive advantages over business rivals. BI systems can also help companies identify market trends and spot business problems that need to be addressed.
BI data can include historical information, as well as new data gathered from source systems as it is generated, enabling BI analysis to support both strategic and tactical decision-making processes. Initially, BI tools were primarily used by data analysts and other IT professionals who ran analyses and produced reports with query results for business users. Increasingly, however, business executives and workers are using BI software themselves, thanks partly to the development of self-service BI and data discovery tools.
Business intelligence combines a broad set of data analysis applications, including ad hoc analysis and querying, enterprise reporting, online analytical processing (OLAP ), mobile BI. real-time BI. operational BI. cloud and software as a service BI. open source BI. collaborative BI and location intelligence. BI technology also includes data visualization software for designing charts and other infographics. as well as tools for building BI dashboards and performance scorecards that display visualized data on business metrics and key performance indicators in an easy-to-grasp way. BI applications can be bought separately from different vendors or as part of a unified BI platform from a single vendor.
BI programs can also incorporate forms of advanced analytics. such as data mining. predictive analytics. text mining. statistical analysis and big data analytics. In many cases though, advanced analytics projects are conducted and managed by separate teams of data scientists. statisticians, predictive modelers and other skilled analytics professionals, while BI teams oversee more straightforward querying and analysis of business data.
Business intelligence data typically is stored in a data warehouse or smaller data marts that hold subsets of a company’s information. In addition, Hadoop systems are increasingly being used within BI architectures as repositories or landing pads for BI and analytics data, especially for unstructured data. log files, sensor data and other types of big data. Before it’s used in BI applications, raw data from different source systems must be integrated, consolidated and cleansed using data integration and data quality tools to ensure that users are analyzing accurate and consistent information.
In addition to BI managers, business intelligence teams generally include a mix of BI architects, BI developers, business analysts and data management professionals; business users often are also included to represent the business side and make sure its needs are met in the BI development process. To help with that, a growing number of organizations are replacing traditional waterfall development with Agile BI and data warehousing approaches that use Agile software development techniques to break up BI projects into small chunks and deliver new functionality to end users on an incremental and iterative basis. Doing so can enable companies to put BI features into use more quickly and to refine or modify development plans as business needs change or new requirements emerge and take priority over earlier ones.
Sporadic usage of the term business intelligence dates back to at least the 1860s, but consultant Howard Dresner is credited with first proposing it in 1989 as an umbrella category for applying data analysis techniques to support business decision-making processes. What came to be known as BI technologies evolved from earlier, often mainframe-based analytical systems, such as decision support systems and executive information systems. Business intelligence is sometimes used interchangeably with business analytics ; in other cases, business analytics is used either more narrowly to refer to advanced data analytics or more broadly to include both BI and advanced analytics.
Business intelligence (BI) vs. advanced analytics comparison
BI vs. advanced analytics
#current stock prices
This stock market rally isn’t like the others
The rally in stocks to all-time highs has little to do with earnings – the most important driver of stock prices – according to Deutsche Bank.
According to Dominic Konstam and team, writing in a note Friday, the rally is about the declining equity risk premium, which is simply the excess return the stock market provides over a risk-free rate like bond returns.
The premium jumped after stocks plunged in the financial crisis, with investors demanding as much as 7% more from choosing stocks over bonds. It has now fallen closer to its historical norm of 2% as bond yields also fell, implying that the return investors require to be compensated for their risky investments in stocks has fallen.
The sovereign bond yields in many developed countries are at or near record lows. Yields on benchmark bonds in Germany and Japan plunged deeper into negative territory after the rush to government-debt markets sparked by the UK’s decision to leave the European Union.
As nominal yields have fallen, investors have rotated into higher-yielding assets, Konstam said.
“The current cycle stands out in that earnings have played almost no role in the SPX rally. In fact, earnings were a slight drag on equities and were only offset by an aggressive multiple expansion. More than 90 percent of the rally was attributed to a collapse in equity risk premium. In sharp contrast, the equity gains in the 1980s and 2000s were all about earnings growth, and in 1990s earnings still accounted for more than half of the rally.”
The equity risk premium is still some 2% higher than its historical average over the last 30 years – so it could fall further. This gives the S P 500 room to rise another 200 points, Deutsche Bank estimates.
But earnings and expectations for them remain the biggest driver of stock prices. And because the second-quarter earnings season could mark the fourth straight decline in year-over-year S P 500 earnings, that’s a near-term risk to the rally, according to Deutsche Bank.
SEE ALSO: The most important mover of stock prices is not the one driving this rally to all-time highs
Texas DWI Law
How long will prior DWI convictions remain relevant for sentencing purposes in Texas?
In Texas, prior DWI convictions stay on your record (and can be counted against you when you are being sentenced for another DUI/DWI offense) for good. Note that an earlier version of this law had a 10-year limitation, but even if a defendant’s prior convictions occurred when the prior version of the law was in effect, prior convictions can still be used under the current law. Sepeda v. State 280 S.W.3d 398 (2008).
Can a DWI be pleaded down to a “wet reckless” in Texas?
If you’re charged with driving while intoxicated in Texas, it’s possible to “plea bargain ” for a lesser charge. “Wet reckless” refers to a plea deal where a DWI charge is reduced to reckless driving. Some states have a reckless driving charge that applies specifically to offenses involving alcohol. But in Texas, the relevant statute applies more generally to all types of reckless driving. (Tex. Transp. Code Ann. 545.401 (2016).)
Are ignition interlock devices (IIDs) required for convicted DWI offenders in Texas?
An IID is required for a second offense within 5 years.
Where can I get more information about DWI laws in Texas?
Nolo’s DUI/DWI topic has many helpful articles, including a Drunk Driving, DUI, and DWI FAQ. For more help after a DWI arrest, see Nolo’s Lawyer Directory. where you can view in-depth profiles of Texas DWI attorneys in your area.
For more information about the legal limit, see the Blood Alcohol Level Chart
Last updated on 09/01/2010.
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#what is business
Full Definition of business
2a. role. function how the human mind went about its business of learning — H. A. Overstreet b. an immediate task or objective. mission what is your business here c. a particular field of endeavor the best in the business
3a. a usually commercial or mercantile activity engaged in as a means of livelihood. trade. line in the restaurant business b. a commercial or sometimes an industrial enterprise; also. such enterprises the business district c. dealings or transactions especially of an economic nature. patronage took their business elsewhere
6. movement or action (as lighting a cigarette) by an actor intended especially to establish atmosphere. reveal character, or explain a situation —called also stage business
7a. personal concern none of your business b. right you have no business speaking to me that way
8a. serious activity requiring time and effort and usually the avoidance of distractions got down to business b. maximum effort
10. a bowel movement —used especially of pets
See business defined for English-language learners
See business defined for kids
Examples of business in a sentence
Forever Odd is a direct sequel to 2003’s Odd Thomas. the book in which we were introduced to the title character, a young man who can see the dead. They can’t talk to him, but they can nudge him in the direction they want, which is usually to help them tidy up some unfinished business from when they were alive. —Charles De Lint, Fantasy Science Fiction. May 2006
The Sun may never set, but air temperatures can plummet to -4 degrees Fahrenheit, and blinding snowstorms appear without warning. Sunbathing here can be risky business. even huddled in our parkas and boots, the members of our expedition live under the constant threat of frostbite and hypothermia. —Terrie M. Williams, Natural History. October 2003
Such high attrition means that most of the dot-coms here today will be gone tomorrow. The business environment is already harsh, and competition is growing. —Ann Thayer, Chemical Engineering News. 5 June 2000
Lancaster and Columbia have plenty of history apart from the Civil War, of course. For example, Lancaster was home to F.W. Woolworth’s first successful 5 10 and Milton S. Hershey’s first successful candy business. —Lancaster New Era. 2 July 1996
The store has lost a significant amount of business since the factory closed.
She works in the publishing business .
David has decided to go into business with his brother.
Their publishing company is the best in the business .
I have to go to New York City on business next week.
They advertised to increase business .
He has the skills necessary to run a business .
The town is trying to attract new businesses .
Do we have any other business we need to discuss?
No, I didn’t ask him what he wanted the car for. That’s his business .