Tag: Low

OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM

#

Free Unlimited Hosting cPanel

Free Unlimited WHM Reseller Hosting

Free Domain Name !

Free VPS Hosting (90 Days)!

OHosti Powerful Features!

Free Unlimited Web Hosting Features :

Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

Why is Our Free VPS Hosting different than Shared and Dedicated?

With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

What is our free reseller hosting included?

Everything you need to get started is included in our Reseller packages for a single, no price (free) :

Free cPanel:
Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

Free Domains Resales:
Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

IMAP, POP, SMTP Email:
We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

Free Backups and Installers:
We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

Frequently Asked Questions?

Why is it all free on OHosti? How do you earn?

We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

How long will your hosting be free?

Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

What are your guarantees?

1. Our hosting will always be 100% free!

2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

Free Domain Name Privacy

Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

Your name will remain as the registrant contact so that you retain complete ownership of the domain.

You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

Create New Website?

Build your website in 4 easy steps:

  • 01 Login to Site Builder
  • 02 Select Web Template
  • 03 Publish to your hosting account
  • 04 Select web template search etc.




Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Arizona Probate Services #arizona,probate,services,do #it #yourself,informal,formal,small #estate,affidavits,paralegals,low #cost,fast,easy,cheap,experienced,legal,papers,probatecourt,phoenix,save,money,filings,court,fees,how #do #i #get #appointed #as #executor,do

#

We professionally prepare probate legal documents and help you understand the mandated court process.
OUR MISSION IS TO SAVE YOU TIME, MONEY AND STRESS!
Don’t want, or can’t afford an attorney. you may not need one!
Call us today with your questions — you will be glad you did!
(602) 523-0100

A commonly asked question is: Do I need an attorney for Arizona probate?

The simple answer is no – anyone can file their own documents with the probate court. The right answer is one that only you can answer. Many probate cases are standard and only require an understanding of the court document requirements and the timing of the process. Some probate cases are more complex and you should be represented by legal counsel.

At Arizona Probate Services, we will discuss your situation with you. If we are uncomfortable about preparing the documents for your particular situation, we will recommend you seek legal counsel. We will always be honest and upfront with you. Integrity and a commitment to quality is the foundation of our business.

Then documents are filed with the court when it is appropriate, you administer the estate, and close probate when it is time! With our help, it’s that simple!

Thank you for supporting Arizona Business!

All fees on this website are subject to change without notice.

NOTICE TO CONSUMER
Arizona Probate Services is an Arizona certified legal document preparer, certified by the Arizona Supreme Court. The purpose of a Certified Legal Document Preparer is to provide professionally prepared legal documents and procedural assistance at an affordablecost. A Legal Document Preparer cannot represent you in court. A legal document preparer is not a lawyer, is not employed by a lawyer, and cannot give legal advice, and communications with a legal document preparer are not privileged (meaning we are subject to subpoena).

This website is intended to provide general information about Arizona legal issues and process. However, legal information is not the same as legal advice, which is the application of the law to a specific situation. The information provided on this website is not intended or meant to provide a comprehensive picture of any particular situation.


Content copyright 2010-2011. Arizona Legal EASE, Inc. All rights reserved.





Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Credit Cards – Apply for Best Offers Online at #credit #card, #credit #offers #2017,

#

Credit Card Applications Online

About Credit-Land

Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

Capital One. Citibank. Discover Card. Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?

Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.

That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.

INTERACTIVE CREDIT CARD TOOLS

BALANCE TRANSFER CALCULATOR

Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.

CREDIT SCORE SIMULATOR

See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.

VIDEO CHANNEL

GAS REWARDS CREDIT CARDS: GET UP TO 5% REBATE.

COMPARE CREDIT OFFERS

FOR PEOPLE WITH PERFECT CREDIT HISTORY

If you have excellent credit history. then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.

AirMiles Credit Cards

Gasoline Credit Cards

Point Rewards Credit Cards

All Rewards Programs

Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.

Low Interest Credit Cards

0% on Balance Transfer

No Annual Fee Credit Cards

FOR PEOPLE WITH LIMITED CREDIT HISTORY

If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.

Credit Cards for Fair Credit

Credit Cards for Bad Credit

Credit Cards for Limited/No Credit

Prepaid Cards for Any Credit

Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.

Instant Decision Credit Cards

Credit Cards Rebuild Credit

All content. Copyright 2000-2017. Credit-Land.com. All rights reserved.

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button you can review the credit card terms and conditions on the credit card issuer’s web site. Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Please note that Credit-Land.com has financial relationships with some of the merchants mentioned here. Credit-Land.com may be compensated if consumers choose to utilize the links located throught the content on this site and generate sales for the said merchant.





Tags : , , , , , , , , , , , , , , , ,

Credit Cards – Compare Best Card Offers & Apply Online #get #a #credit #cards,

#

Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards





Tags : , , , , , , , , , , ,

Get Cheap Car Insurance in California with Titan Insurance #car #insurance #california, #california #auto

#

California Car Insurance

To the extent financial responsibility laws require, it is the law to have car insurance in California, but that doesn’t mean it has to be expensive. Titan Insurance provides affordable auto insurance to California drivers, even high-risk drivers, because we know that drivers are more than their driving record. We have a variety of flexible California auto insurance options and policy discounts available, all of which are designed to protect drivers from the unexpected and save them money.

About California auto insurance

Car insurance is required in California, but not all drivers need to carry all types of insurance coverage. California only requires drivers to carry auto liability insurance. This is important for drivers who want to keep their car insurance in California affordable.

Although liability insurance is generally the only California car insurance requirement, there are plenty of additional coverage options that make sense to consider. Additional coverage provides additional protection, which can protect a driver financially in the event of an accident. Popular coverages include:

  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured Motorist

Protection from uninsured drivers

Finding a low cost car insurance policy in California used to be so difficult that the state implemented the Low Cost Automobile Insurance Program (CLCA). This program provides cheap car insurance to California drivers who meet certain income requirements. This is good news for all drivers. Drivers who couldn’t afford car insurance in California now have another low-cost car insurance option while drivers who do carry insurance are better protected from uninsured motorists.

Nonetheless, uninsured/underinsured motorist risk exists, and Titan offers coverage to provide protection when an at-fault party has no or insufficient liability coverage.

Save money with Titan

Titan is always looking for ways to save our California customers money. One way we do this is by offering a Collision Damage Waiver. When you have purchased Collision coverage and elected this waiver, this waiver pays the collision deductible on the insured motor vehicle when a loss is caused by an uninsured motorist.

Another way to save money with Titan is through our many discount offers .

Titan’s California vehicle services

At Titan we understand that time is money. That’s why we offer DMV services in some of our California auto insurance offices. Drivers can save time by visiting a local Titan office for routine DMV services such as:

  • Registration renewals
  • Vehicle Titling
  • License Plate renewals

The majority of Titan offices in California offer DMV services. Call your local office today about DMV services.

Contact a Titan representative

Learn more about our California auto insurance coverage:

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

©2017 THI Holdings (Delaware), Inc. Affiliated Companies. All Rights Reserved. Home Office: Cleveland, OH 44122. California Producer License #0E86569.

Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

Modal Dialog Start Close

You Are Opening a New Page.

You are opening a page that is not part of current website .

We want you to know:

If you are currently logged in to your account, you may want to go back.

The information provided is intended to be helpful, however we make no endorsement of that content

Please visit this webpage for more information on Nationwide Insurance.





Tags : , , , , , , ,

List of Free or Low-Budget Rehabs for Drug and Alcohol Abuse in Arizona #low

#

Wednesday, 17 August 2016

Free Or Low-budget Rehab Centers For Drug And Alcohol Addiction In Arizona

Currently in the state of Arizona, there are just over 15 different free and or affordable drug and alcohol treatment facilities and programs. These centers will offer different treatment options from center to center and will be different lengths of stay, but will typically not be long-term programs, due to the costs involved to operate these types of programs.

Here is a list of Low-Budget or Free Treatments in Arizona. The list can be incomplete so please do not hesitate to contact one of our counselors at 1-800-304-2219 .

The listing below is sorted by cities in alphabetic order.

LIST OF FREE OR LOW-BUDGET PROGRAMS IN ARIZONA

611 W. Union Street

There are many different chemical dependency services provided at the Southeastern Arizona Behavioral Health Services. The programs offered to clients include substance abuse education for individuals and families, intensive outpatient programs, group therapy, individual and family counseling, and residential treatment options.

Primarily a treatment center for men, the Verhelst Recovery House can help men who are battling an addiction to drugs or alcohol. The treatment center provides a six-month residential program, and utilizes the twelve-step methods of addiction treatment through meetings and goal settings.

430 Coronado Blvd

Operating as a not for profit community mental health and substance abuse treatment program, it has been operating within the southeastern part of Arizona since 1976. The program help addicts and their families living within the four different counties surrounding the facility.

996 N Broad St. Suite 10

The Globe location operated out of the Southeastern Arizona Behavioral Health Center provides outpatient treatment for adults. Providing substance abuse treatment and prevention programs for adults and their families, addicts can find the recovery services they need.

Arizona Payment Options

Did you know this about free or low budget rehabilitation centers?

Many of these programs are set up with the help of dedicated volunteers and volunteer organizations. These organizations provide funding and help, while organizing fundraising campaigns to help keep substance abuse programs open and at a low cost or no cost. Some programs are also funded by state governments, so as low income homes can still get help for their loved ones.

Search Arizona Special Addiction Services

Search Drug & Alcohol Detox Services in Arizona





Tags : , , ,

Credit Cards – Compare Best Card Offers & Apply Online #which #business #credit #card

#

Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards





Tags : , , , , , , , , , , , , ,

How Mileage Can Affect Your Car Insurance Quote #car #insurance #low #mileage

#

How Mileage Can Affect Your Car Insurance Quote

You can lower car insurance quotes by driving less. But you might have to drive a lot less and shop around, according to a NerdWallet analysis.

Inside the numbers

NerdWallet looked at car insurance quotes for varying mileage levels from major insurance companies in New York and Florida. Mileage made a difference at certain levels for some carriers. For example:

  • State Farm showed a 14.3% rate cut in Florida by going from 10,000 miles a year to 5,000 miles.
  • Liberty Mutual rates fell 6.4% in Florida when mileage dropped from 10,000 miles a year to 5,000.
  • Geico offered 6.2% savings in New York for drivers who went from 10,000 miles a year to 5,000 miles
  • Geico rates fell another 6.8% when mileage dropped from cut from 5,000 miles to 2,500.

But mileage didn’t impact rates much or at all in most cases. That matches the experience of F. Michael Conte, a partner at the Honig Conte Porrino Insurance Agency in New York.

“I’ve never found that to be a big factor,” he says, adding that asking people about mileage is mostly a way to get at how you use your car. So if, for example, you use your car just for pleasure, but then indicate that you drive 13,000 miles a year, an insurance company might get suspicious.

California, for its part, actually requires insurers to consider estimated annual mileage in setting rates.

In addition to the differences in rates, some companies offer low-mileage discounts:

  • Safeco Insurance says members who drive fewer than 8,000 miles a year can save up to 20%.
  • Travelers’ IntelliDrive program provides discounts starting at under 13,000 miles annually, with a potential savings of 30%, although savings depends on the state.
  • Metromile charges a base fee plus a per-mile rate, although it’s offered only in a limited number of states.

Several other companies have usage-based insurance programs that provide savings based on mileage and driving behavior, tracked using in-vehicle technology. Allstate, for instance, says mileage is the most important factor in its Drivewise program, with drivers saving the most when they drive at or below 12,000 miles annually but still able to “realize some benefit” at up to 15,000 miles driven.

“The general buzz in the industry is that eventually we’re all going to go to mileage-based policies,” Conte says.

The average driver logs 13,476 miles a year behind the wheel, according to the Federal Highway Administration. Men tend to drive much more than women, averaging 16,550 miles a year, compared with 10,142 for women. Men’s driving peaks at ages 35 to 54, when men drive an average of 18,858 miles a year, while while women’s driving tops out at an average 12,004 miles a year when they are 20 to 34.

How to save on your car insurance quote

Based on NerdWallet’s findings, you can save if you don’t drive much by getting car insurance quotes from several companies and asking about low-mileage discounts and programs.

Those looking to save money by driving less have a variety of options, including telecommuting, walking, cycling, using public transit, ride sharing and car sharing. Many people use some combination of these options, mixing it up based on the purpose of each trip they take.

If, on the other hand, you drive a lot, it can pay to shop around for a company that doesn’t charge more based on mileage.

Photo via iStock.

You may also like





Tags : , , ,

Car Insurance Programs for Low-Income Drivers #low #cost #auto #insurance #in #california

#

Car Insurance Programs for Low-Income Drivers

Car insurance is legally required for most drivers, but it comes at a cost not everyone can afford. The average consumer pays about $841 per year for auto insurance, according to the National Association of Insurance Commissioners.

Whether due to high car insurance rates or other reasons, roughly 1 out of 8 motorists nationwide chooses to drive uninsured, according to the NAIC. However, these drivers risk fines if caught and would be personally responsible for injuries and vehicle repair costs if they should cause an accident.

While alternative options for low-income drivers are slim, a few states offer government-sponsored car insurance programs to help prevent people from hitting the road uninsured. These programs typically offer limited car insurance coverage at greatly discounted rates, so qualifying motorists can drive legally.

States that offer low-income auto insurance

California

Through the California Low-Cost Auto Insurance program, Golden State residents can buy the minimum liability insurance needed to drive legally. Two optional coverages are also available: uninsured motorist bodily injury protection and medical payments coverage. Policies obtained through the program won t cover damage to your own car, something that falls under collision coverage in other policies.

Cost: $241 to $556 per year, on average, depending on where you live.

Eligibility requirements: You must be at least 19, have a valid California driver’s license and own a car worth $25,000 or less. You must also meet certain income requirements, which vary depending on how many people live in your household. For instance, if you’re buying a one-person policy, you can earn no more than $29,700 per year to qualify. A two-person household is eligible if the combined annual income is no more than $40,050, and a family of four can earn no more than $60,750.

How to get coverage: To apply, start by filling out an eligibility questionnaire .

Hawaii

Hawaii provides free car insurance to some residents who get financial assistance as part of the state’s Aid to Aged, Blind and Disabled program.

Cost: Free if you qualify.

Eligibility requirements: To receive AABD financial aid, you must be 65 or older or meet one of these criteria:

  • You have a terminal condition that prevents you from working, or your Social Security or Supplemental Security Income doesn t provide enough money.
  • You’re blind.
  • You’ve suffered from a physical or mental disability for at least 12 months that prevents you from working.
  • You live with and take care of someone who receives AABD financial assistance.

How to get coverage: If you qualify for the AABD program, you can ask about getting free car insurance with the Hawaii Department of Human Services by calling 808-586-4993.

New Jersey

New Jersey’s Special Automobile Insurance Policy pays for emergency injury treatment after car accidents, and severe brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit for car accident fatalities. It does not offer liability insurance for damage you cause to others’ vehicles or pay to repair your car.

Cost: $360 per policy if you pay upfront, or $365 if you’d rather pay in two installments.

Eligibility requirements: You must have a valid New Jersey driver’s license and be enrolled in federal Medicaid with hospitalization benefits.

How to get coverage: Search for an SAIP provider here or call 1-800-652-2471.

If you aren’t eligible for your state s car insurance program, or your state doesn’t have one, there are still plenty of ways to save on car insurance .

You may also like





Tags : , , , , ,

Promotional Products – Custom Business Promotional Items at Low Prices #business #from #home #ideas

#business promotional items

#

National Pen – Your #1 source for promotional products and personalized pens

National Pen offers high quality personalized products at factory-direct pricing. In business over 45 years, we manufacture and assemble many of our promotional products in the USA. Advertise your business by imprinting your company name or logo on personalized pens, key chains, note pads, magnets, calendars, mugs, tote bags & more. Personalized promotional products are perfect for trade show giveaways, customer appreciation, corporate events, and marketing your brand.

One Full Year Guarantee!

You can shop with
100% confidence.

Free Full Color Stock Designs!

Make a lasting impression with over 500 unique full-color designs.
Shop Now

Sign up for emails and get coupons, special offers and FREE Samples!

Order Today 1.866.900.7367
National Pen Company

Join Our Email List

Be the first to know about new products, special offers, sales and more!

You can opt out at anytime.
Please refer to our Privacy Policy or Contact Us for more details.





Tags : , , , , , , , ,