Tag: much

How to Figure Out How Much You re Getting Back on Your Taxes #how

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How to Figure Out How Much You’re Getting Back on Your Taxes

If you’re self-employed, you make quarterly estimated tax payments.

During the year, you make estimated tax payments through if you are self-employed or own your own business, based on how much you expect to owe the IRS at the end of the year. However, this number rarely matches what you owe exactly, so most people end up either owing the IRS money or being eligible for a refund of the excess paid during the year. If you claimed less allowances than you were entitled to on your W-4 form, your chances of getting a refund are greater because more money was withheld during the year.

Step 1

Add up all of your taxable income from your various sources. Each of your employers should send you a document showing your taxable income; as well as how much, if any, income was withheld from your paycheck for estimated taxes. If you are an employee, you should receive a W-2. Independent contractors should receive a 1099, and interest payments made to you during the year will be documented with a 1099-INT.

Step 2

Subtract the value of any deductions that you are entitled to reduce your taxable income. When checking your eligibility, make sure you qualify based on your filing status and adjusted gross income. Also check to see whether the deduction is an above-the-line deduction, meaning you can take it on top of the standard deduction, or an itemized deduction, which means you must give up the standard deduction to take it.

Step 3

Calculate your tax bill based on the tax rates for the year. Your tax rates will vary based on your income level and your filing status. For example, in 2012, if you have $41,000 of taxable income and your filing status is single, your tax bill would be $6,286. However, if your filing status is married filing jointly, your tax bill would only be $5,284.

Step 4

Subtract any tax credits from your tax total that you are eligible to take. Unlike deductions, which reduce your taxable income, tax credits reduce the amount of tax you owe. The remainder will be your total tax bill.

Step 5

Subtract the amount of taxes you have had withheld and estimated payments you have made during the year. If the result is a negative amount, that is the amount you will be getting back on your taxes. For example, if your tax bill was $4,900 but you had $5,600 withheld during the year, you would be entitled to a refund of $700 when you filed your tax return.

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How much will my insurance go up after an accident, how much is insurance

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How much will my insurance go up after an accident?

How much is insurance for a new driver How much is insurance for a new driver How much is insurance for a new driver How much is insurance for a new driver

When shopping for the best car insurance, drivers choose mainly based on price, service and reputation. But one element that’s often overlooked is a company’s “surcharge schedule” a predetermined premium increase that’s charged if you cause a car accident.

Let’s say you had a spotless driving record for the past 15 years. Last month you caused an accident. Now there’s a claim on your car insurance in order to pay for damages. You suspect your rates will go up at renewal time, but what’s a standard increase after just one accident?

Examples of insurance surcharges after accidents

How much is insurance for a new driver

“It’s the hidden secret in our business,” says Pete Giancola, owner of Pete Giancola’s Insurance Agency in Deephaven, Minn., adding that there’s “a huge difference from company to company” in surcharge amounts.

Car insurance companies are required to file rates with each state insurance department where they operate, and included in that is how they’re going to determine rates after a claim is made. In some states, insurance companies are legally required to give you a copy of the “surcharge schedule.” However, trying to read these schedules can make your head spin.

“They make it extremely difficult to read,” Giancola says.

The surcharge schedule lists points and percentages and you often have to do your own math to figure how much of an increase you would pay percentage-wise. But it may be worth the headache because the car insurance rate differences can be significant.

Just how much does car insurance go up after an accident?

Many car insurance companies follow the Insurance Services Office’s (ISO) standard of increasing a premium by 20 to 40 percent of the insurer’s base rate (which is the average rate charged in the state before discounts and other adjustments, plus the insurance company’s claims-processing fee). According to the ISO, for multicar policies the surcharge is 20 percent of the base rate for the first two vehicles on the policy, and 40 percent for a single-car policy.

For example, say you insure two cars at a premium of $300 each and the insurer’s base rate is $400. After an accident, you may get a surcharge of $80 (20 percent of $400) on both, so your total surcharge would be $160 an increase of about 27 percent on the policy.

But many insurers operate with their own surcharge ideas some higher and some lower.

According to a 2008 surcharge schedule from State Farm, for example, if you had an accident within the first 12 months of your policy period, your base rate would increase by 10 percent after the first accident (and another 45 percent after the second). In the same scenario, a person insured with Progressive who is between the ages of 25 to 44, would see a 29.5 percent increase on his policy after the first accident (56.2 percent for the second), according to the company’s 2002 surcharge schedule. A 2005 AAA Auto Club surcharge schedule shows an increase of 30 percent for the first accident and 150 percent for the second major accident. (Insurance companies do not file new surcharge schedules each year. A new schedule is filed only when an insurance company wants to increase or decrease its rate. But it’s rare that an insurer would file to decrease, says Giancola.)

While a car insurance policy may look like a bargain initially, a high surcharge level could send your rate through the roof after an accident. “Some companies offer cheaper policies, but God forbid you have an accident,” Giancola says.

Surcharges vary by state and insurance company, and some penalize you for moving violations while others focus only on “chargeable accidents” (meaning at-fault accidents for which your insurance company must pay out more than $500 or $750 per accident after your deductible has been applied).

If you’re shopping for a car insurance policy, Giancola recommends that you ask an insurance company for a copy of its surcharge schedule (sometimes called an “insurance point plan”) before you buy. Also, ask this question: “If I have an accident within the next 12 months, what would my end result premium be without discounts?”

“A lot of times, the agent doesn’t want to answer that question. You gotta push it,” advises Giancola.

While individual insurers can choose differently, ISO does not recommend a surcharge on “property damage only” accidents where the damage is under $1,000. Also, if the accident is caused by a new driver (driving less than two years) who already receives a surcharge for being inexperienced, there should be no additional surcharge for his first accident. There are also state exceptions to surcharges.

Also, some insurance companies will not figure your increase based on their base rate, but rather on what you were paying before the accident. Keep in mind that your location, age and driving record, as well as the “loss experience” (meaning claims made) of drivers similar to you affect the percentage increase of your insurance premium.

Most companies try to remove the rating variables that might skew your premium increase related to “loss experience.” For example, if you live in a state in which the majority of your insurance company’s customers live in urban areas, but you live in a rural area, you don’t want your premium increase to reflect the claims of urban motorists. Likewise, if your insurance company happens to insure more youthful drivers than middle-aged drivers, and you’re middle-aged, you don’t want your rate increase to be affected by those higher-risk, higher-charged, younger drivers.

By factoring out drivers who aren’t in your age group and drivers who don’t live in your area, insurance companies say they can derive an equitable increase in your premium.

After-accident rate increases not exactly a science

You might find yourself getting double- or triple-whammied by your individual circumstances. For example, if you make a claim and have a birthday before renewal time, your birthday might bump you into a higher risk category along with the claim, shooting your rate through the roof.

Or, if you’ve made a claim and bought a more expensive car before renewal time, you’ll likely see a significant increase perhaps as much as 100 percent.

Remember, too, that circumstances can work in your favor at times. If you turn 40 and enter a lower-risk category, or if you buy a car that’s less expensive to insure, your savings might help offset any increase due to an accident.

Accident forgiveness

Some car insurance companies give their customers a one-time “get out of jail free” pass. When you make a claim on your first at-fault accident, you might not see any increase in your premium at renewal time. This practice sometimes known as “accident forgiveness” is not industry-wide, so if your insurance company holds your rate steady, consider yourself lucky.

Companies that forgive first-time accidents often require that you fit a certain profile in order to escape a rate increase.

For example, State Farm Insurance Co. increases your premium for any “chargeable” accident meaning any accident in which the company pays more than $750 in liability and collision claims combined. Its policyholders should expect to see the increase at renewal time on their liability, collision, and PIP or medical payments coverages. But State Farm also has a program called “forgive the first accident” for its policyholders who have been with the company, accident-free, for at least nine years. If you fit this description and have a chargeable accident, you won’t see any increase in your premium.

USAA members in 43 states and Washington, D.C., who keep an accident-free record for at least five years will receive a surcharge waiver for one at-fault accident per policy. If you haven’t been with the company that long, you can still buy accident forgiveness: For a few dollars extra a month, USAA lets you purchase an endorsement that forgives one at-fault accident. This endorsement is currently available in 17 states.

When you’re shopping for car insurance, it’s a good idea to ask whether the insurer offers first-time accident forgiveness. It might save you a lot of money on your car insurance over the long haul.

If you’re slapped with a surcharge, it does not last forever. Your surcharge will drop off after a determined length of time, which varies by state. For example, if you live in Minnesota, you’re surcharged for 3 years, Giancola says. If you don’t have another accident within those three years, your premium will drop back down. If you get hit by a surcharge, ask your agent how long it will last.

How much is insurance for a new driver How much is insurance for a new driver How much is insurance for a new driver How much is insurance for a new driver





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How Does E-Trade Work, how much does etrade cost.#How #much #does #etrade #cost

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How Does E-Trade Work?

Based in New York, E-Trade offers online brokerage and wide ranging retail financial services. The NASDAQ-listed company has 30 branches spread across the country. E-Trade uses e-commerce systems and a professional workforce located in branch locations to offer retail financial services to investors. Eligible investors can choose among several types of accounts. The company offers investors free specialist research, charts, real-time quotes and stock screeners.

Account Opening Process

It typically takes less than 15 minutes to open an E-Trade account online. You must be a U.S. citizen or resident and at least 18 years old to be eligible. Fill out an online application form providing the name and address of your employer, address of your current residence, Social Security number and date of birth. According to information published on the E-Trade website, the company reserves the rights to verify your identity information through third parties, and, if necessary, request additional identification documents such as a driver s license. E-Trade sends a confirmation email and login instructions for an approved account.

Account Fees and Initial Deposit Requirements

E-Trade offers investing and trading accounts, retirement and education savings accounts and E-Trade checking accounts. Ordinary investing and trading accounts cost $9.99 to open as of 2014, while Plus Pro Elite investment accounts cost between $7.99 and $9.99. You need a $500 initial deposit to open individual, custodial or joint brokerage accounts as of 2014. Futures trading and forex trading accounts require $10,000 and $2,000 initial deposits, respectively. The E-Trade One Stop Rollover IRA requires a $25,000 minimum deposit, while the other retirement and education savings accounts — that is, rollover, traditional and Roth IRAs — don t require minimum deposits. You only need a $100 initial deposit to open an E-Trade checking account.

Commencing Account Transactions

To begin trading on E-Trade, login to your account and click on the Fund Account tab. Use the drop-down menu to navigate through the funding process. Fund your account using free quick transfer, wire transfer, account transfer or check by mail. Funds for mailed checks are loaded within five days of receiving the check. Funds for free quick transfers are loaded within three days, while funds for wire transfers are loaded the same business day. The account transfer function lets you move cash or investments from other financial institutions. To begin trading, click on the Place Trade tab to access the order entry ticket. Fill out your order type, quantity of shares, stock symbol, price type and term. Submit your order and wait for a trade confirmation message. Download the E-Trade mobile trading app to your phone or tablet and use real-time alerts to monitor your account.





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Security Cameras & Surveillance Cameras from ADT Home Security, how much are security systems.#How

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Home Security Cameras & Video Surveillance

Security Surveillance Cameras & Products

How much are security systems

Wireless Security Cameras

With an ADT Pulse® wireless home security camera system, you can do more than monitor your home security remotely — you can manage your life. For example, looking in on the cable repairman from your office.

How much are security systems

Digital Video Recorder

With a digital video recorder DVR, you get clear audio and video and remote viewing, plus you can record from all cameras at the same time. A DVR is a must in order to get the maximum performance no matter which of the security camera systems you choose.

How much are security systems

Dome Security Cameras

You’ll recognize the benefits of using dome cameras provide to security camera systems immediately. They can be mounted almost anywhere, provide you with 360° viewing, and their clear, crisp imaging results in sharp video — even in low light.

How much are security systems

Indoor Color Security Cameras

Video surveillance cameras are essential to security camera systems and can be incredibly helpful to you and the police in solving break-ins. Using our high-resolution color cameras allows you (and the police) to see more details whether the break-in occurred in bright or low light.

How much are security systems

A quad splitter strips away the limitations of single-image viewing, allowing you to see what is happening on home surveillance systems with up to four cameras simultaneously.

How much are security systems

Perfect for family members who want to see video feeds from different monitors simultaneously, a video duplicator allows multiple people to keep up with what’s happening at home and view your home security camera system from multiple locations.

How much are security systems

  • Easily works with your ADT Pulse® wireless network using the Camera Assistant

Frequently Asked Questions

Can someone else access the wireless home security camera systemsignal and view the images captured by the cameras in and around my business?

ADT wireless security security camera systems use an encrypted wireless protocol known as WPA2. This is an industry-recognized method to limit access to wireless networks and communications so that your wireless signals remain private between the surveillance camera and the iHub – just another way that our home surveillance systems make sure you’re always protected.

Can I use wireless cameras with the ADT Pulse ® home surveillance systems that I purchase on my own?

No. Only wireless cameras provided by ADT can be used with the ADT Pulse® security camera system. Off-the-shelf cameras cannot be registered to the home security camera system.

Can I listen to what is happening in my home with the ADT Pulse ® home surveillance systems, and record audio as well as video?

Due to federal and various state laws, the ADT Pulse ® system does not provide the ability to deliver or store audio along with the video. Our high definition cameras ensure that the crispest and clearest images arrive directly to you at any time of the day.

Can ADT Pulse cameras record images in the dark?

ADT Pulse home security camera system utilize outdoor security cameras which can see in the dark. Currently, the ADT Pulse indoor bookshelf security cameras cannot see in the dark. Many people use an automation to turn on a light when requesting video. An automation is an option that allows you to preprogram an action to occur when triggered by another action.

Why Our Customers Choose ADT Video Surveillance Security Camera System

“Having ADT Pulse saved my dog’s life. When I received a call from ADT, I was able to check the camera and verify smoke in the home.”





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Telematics & Black Box Car Insurance Quotes #how #much #is #car #insurance #for #a

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Telematics Car Insurance

What is telematics car insurance?

Telematics insurance, sometimes referred to as ‘black box’ insurance, uses data about where, when and how you drive to help bring down the cost of car insurance.

A telematics box is installed inside your car, or in some cases you download an app to your mobile phone, to measure various aspects of your driving and share that data with your insurer. If you can demonstrate that you are a safe driver, your insurance premium will reduce.

It’s perhaps not surprise that telematics car insurance policies are gaining in popularity, especially for young and inexperienced drivers whose premiums can be sky high.

How telematics differs to other insurance policies

Unlike a standard car insurance policy, a telematics policy requires the installation of a black box device in your vehicle, or the downloading of an app to your mobile phone.

Car insurers always look at a number of risk factors before setting your premium. These include your age, where you live, your occupation and the make and model of the car you want to insure. What makes telematics policies different is that they also take into account your driving behaviour, particularly the length of journeys you typically undertake, the types of road you tend to use, what time you’re usually on the road, and how smoothly you drive.

Your telematics policy will initially cost pretty much the same as a normal policy, but as the insurer monitors your driving, it can start to adjust your premium. This will be done at monthly, quarterly or when the policy comes up for renewal.

You can also see the ‘scores’ you are getting as your driving is monitored, allowing you to make adjustments to improve your telematics performance.

Premiums tailored to you

The time of day and which roads you use, along with your driving style, have a big impact on your driving record, which in turn affects the premium you pay. For example, accidents are much more likely at night and in rush hour, and certain roads can be shown to be more dangerous.

With a telematics policy your insurer can track your time on the road and adjust your premiums to more accurately reflect the risk of a claim. For some drivers a telematics premium can be as much as £200 cheaper than a standard policy*

Who is black box insurance for?

The cost of car insurance can be a considerable strain on a motorist’s budget.

While the average car insurance premium is around £500**, inexperienced and young drivers can pay a particularly high price for car insurance. The statistics show that they are more likely to be involved in an accident and therefore more likely to make a claim, so premiums for young or inexperienced motorists can soar into the thousands of pounds, often making it unaffordable to run a car.

Choosing a telematics car insurance policy is one way to reduce your premium if you are in a high risk group, such as:

  • inexperienced drivers
  • less frequent drivers with a low annual mileage
  • young drivers (under 25)

Cut the cost of cover for young drivers

Telematics insurance companies reckon they can cut the average car insurance premium by about 25% for safe drivers.

But some motorists can benefit from much bigger savings. Young drivers stand to gain from a telematics car insurance policy, as do motorists with driving convictions, who can often pay sky-high premiums. Telematics car insurance can also work to your advantage if you are a careful driver who rarely gets behind the wheel.

Charges and restrictions

If you are a young or inexperienced driver and think a telematics premium could save you money, you should also consider the potential disadvantages. Some telematics insurance policies impose restrictions on when and where you can use your car, for example ‘banning’ night-time driving.

Privacy is another consideration. You should always read carefully the firm’s commitment to the use of personal data.

Check also if the telematics insurance company charges for the black box and its installation – and what happens if this is damaged or if you choose to cancel the policy.

You should also ask about your ability to switch to a different insurer when it comes to renewal, and whether you’ll be able to take your telematics track record with you to a different insurance provider.

Choosing a telematics policy

Some experts believe telematics insurance will soon become the norm – interest is certainly high among young drivers in particular.

Compare telematics insurance premiums

Not surprisingly, more insurers are offering telematics car insurance policies, and you can compare premiums using MoneySuperMarket’s free independent comparison site to make sure you get the best deal.

Telematics car insurance providers all use similar technology, but the policies work slightly differently.

Some give you and annual mileage allowance (say, 5,000 miles) and then award bonus miles to careful drivers. Miles could also be deducted from the allowance for a number of risky activities including driving at rush hour or at night.

The data is then used to decide renewal premiums, with discounts for the safest motorists. Alternatively, you can pay for cover by the mile – and the price varies according to the time of the day or night that you take the car on the road.

Installing the Black Box

If you take out a telematics insurance policy, the insurer will either fit a black box to your car itself or send it to you through the post with instructions on how to install it. The black box is no bigger than a smartphone and is often attached to your dashboard.

Alternatively, you will be asked to download an app to your mobile device – and you’ll only be insured if you take your device with you when you drive (remembering never to use it to make calls or send texts or perform any other functions while you’re driving!).

In addition to monitoring where and when you drive, the black box also records how you handle the car – acceleration, braking, cornering and so on. This means that the telematics insurance provider will know whether you drive in rush hour, at high speed and whether you brake harshly and frequently.

If you have an accident

Fans of the black box argue that it encourages safer driving. The technology can also help to track down your vehicle if it is stolen and assist in managing a claim after an accident (it can often serve as an independent, objective witness to the events leading up to the crash).

Looking for car insurance?





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How Much Does a Criminal Law Attorney Charge #how #much #is #a #criminal #defense

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How Much Does a Criminal Law Attorney Charge

How Much Does a Criminal Law Attorney Charge?

If you never hired a criminal law attorney before, you may not know how much they charge. Criminal lawyers handle billing a little differently from other attorneys. So if youre facing criminal charges, youre going to want to know what to expect. This article can help.

You may be more familiar with lawyers who help clients file personal injury lawsuits. They often charge what is called a contingency fee. That is, the lawyers dont require any money from their clients until they collect on their lawsuit. Then, the lawyers take a percentage of their clients’ award as compensation. You may see also this type of billing arrangement with lawyers who file workers’ compensation, traffic accident, or medical malpractice lawsuits.

Criminal law attorneys, on the other hand, do not work on contingency. They typically use one of two billing methods: an hourly fee or a flat fee. They function just the way they sound. That is, a lawyer who charges an hourly fee is paid by the hour for the actual time he or she works on the case. A lawyer who wants a flat fee has one price to cover all of the hours the lawyer works on a case.

No matter which billing method your criminal attorney uses, you will probably have to pay additional expenses beyond the legal fees. Some of these expenses include:

  • The fee charged by an expert witness
  • A paralegal’s time
  • An investigator’s time
  • Photocopying
  • Travel expenses

On top of these fees, you may also have to pay various court fees if you are found guilty. For example, North Carolina’s criminal court fees require you to pay for everything from a criminal record check to time spent in jail.

How much your total legal bill will be is influenced by several factors. The billing method, for one, will play a big role in determining your final total. A flat fee is the same no matter how long it takes to wrap up your case. On the other hand, the hourly fees will add up if your case goes to trial or if you decide to appeal. Even if you are acquitted. or found not guilty, of a felony charge, you may want an expungement to erase the charges and/or arrest from your record. Your criminal law attorney will surely bill you for those hours.

Rates for criminal law attorneys are fairly competitive, but depending on your circumstances, you may not have the time to shop around. You can try to negotiate a smaller fee but only before you hire a lawyer. Once you have hired a lawyer, it is too late to change the fee or billing method.

Hiring a Criminal Law Attorney by the Hour

A criminal justice lawyers hourly rate is influenced by several factors, including:

  • How much experience he or she has
  • How complex are the charges against you
  • The going rate in your area
  • The firms reputation in the legal community
  • The cost of overhead to run the firm or office

If you hire a criminal defense lawyer by the hour, you will probably have to pay a retainer fee. which acts as a down payment. Most lawyers who bill hourly expect monthly payments.

Lawyers divide their hourly rates into either 15-minute or 6-minute increments. That may seem like a small difference, but its really not. Take as an example a 5-minute phone conversation. A lawyer who charges $200 an hour in 15-minute increments will want $50 for that conversation. A lawyer who divides the hour into 6-minute increments would only charge you $20.

Here are some questions to ask a lawyer who charges by the hour:

  • What is your rate?
  • Do you break the hour into 15-minute increments or 6-minute increments?
  • Do you require a retainer fee? How much is it?
  • What type of payments do you accept?
  • How often will I need to pay you?

Hiring a Criminal Attorney for a Flat Fee

Some criminal lawyers prefer to charge a flat fee for predictable types of work. Acceptable forms of payment will vary from lawyer to lawyer. When payment is due will also vary depending on the lawyer.

If you hire a lawyer on a flat fee, make sure you know what is included in the price. For example, often court fees will not be included in a flat fee.

In addition, flat fees are rarely refundable. This means that if you want to switch criminal defense attorneys midway through your case, you may not get your money back. If you want the ability to change attorneys, you would be better off looking for attorneys who charge an hourly fee.

Here are some questions that should help you understand how a flat fee works:

  • How much is your flat fee?
  • What is included in that fee?
  • What is not included in that fee?
  • How much will I pay in other expenses outside of the flat fee?
  • What are my payment options? Can I use a credit card?
  • Can I break the flat fee into payments? When would they be due?
  • Is your flat fee refundable?

The Cost of Hiring a Criminal Attorney

In your search for a criminal law attorney, you should interview at least one before you make a hiring decision. During the interview, be sure to ask the above questions according to the legal fee the attorney prefers. When you get the answers to your questions, youll know exactly how much it costs to hire a criminal law attorney.





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Online Driving School – Affordable, Safe, Easy #driving #school, #online #driving #school, #driving #school

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Online Driving School with I Drive Safely

  • Quality up-to-date course curriculum.
  • Satisfy your traffic ticket and insurance discount requirement.
  • Refresh your driving skills with our quality online courses.
  • Certified instructors available 24/7 for customer support.

Don’t waste your precious Saturday in a classroom. For a fast, convenient, and reliable way to take your driving school class, choose online!

What is Online Driving School?

An online driving school class will teach you driving safety, current driving laws, and defensive driving techniques. But rather than sitting in a boring classroom for 8 hours, listening to mundane lectures and flipping through black-and-white texts, with online driving school you can enjoy interactive, entertaining lessons-on your own time.

Topics covered in an online course include:

  • Review of current traffic laws
  • Valuable defensive driving techniques
  • Risks of DUI, distracted driving, or other impairments
  • How to handle driving emergencies
  • Car basics

Who Should Take Online Driving School?

Whether you’re a new driver, an experienced driver looking to save some cash, or you recently got a ticket, online driving school can help.

New drivers who need to meet a classroom drivers education requirement to get their drivers permit or license can choose to take an online driving school class. With fun lessons, quizzes, and practice tests, you’ll learn everything needed to pass your written driving exam.

In some states, insurance providers offer up to a 10% rate reduction when you complete a defensive driving course. Therefore, taking a driving school class online is an easy way to reap the benefits of lower rates! This is especially helpful for mature drivers who have clean driving records and want to freshen up their knowledge of ever-changing traffic laws.

And for those drivers who’ve made a mistake and want to preserve their record, an online driver education class is the way to go. Regulations vary from state to state, but taking a driving school class online can be a hassle-free way to remove points or a ticket from your record, and prevent your insurance premium from skyrocketing.

How to Take an Online Class

You won’t believe how easy online driving school can be. You can choose to log in to your course using any computer with an Internet connection – your schedule is entirely up to you!

Study and learn at your own pace with unlimited logins. Your spot is saved so you’ll start again exactly where you left off. And with an online course you can rewind and review lessons over and over again.

Why Is Online Better?

Online driving school is designed for success. Unlike a classroom driver education course, online driving school gives you the freedom to study, learn, and pass the class at your own pace. It doesn’t matter which state you received your ticket in, or what kind of schedule you have. Drivers from Arizona to Texas to Florida and beyond can clear their driving records without the hassle of attending a classroom course or rearranging their daily lives to study on a strict timeline. We offer flexible, convenient driving school courses for California, Michigan, New York, Virginia, Kentucky. in fact, we have more state approvals than any other online provider!

Other Unique Benefits Include:

  • Interactive engaging lessons
  • Entertaining animations audio version
  • Unlimited logins
  • Up-to-date materials accurate information

Why Choose I Drive Safely?

Choosing a cheap online driving school isn’t an ideal way to find the right driving school. It’s important to select a reliable, state-approved provider when you’re shopping around. When you take your online driving course with I Drive Safely you’re choosing a hassle-free, award-winning online class that’s guaranteed to meet all your requirements.

You can be 100% confident in your choice, knowing you’ll find our state approvals right on our homepage. Once you finish our online driving school class with I Drive Safely we’ll process your completion certificate the same day and ship it out to you at no charge! Plus, you can get help anytime, anywhere. Our friendly and helpful customer support team is available 24/7.

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100% Satisfaction Guarantee

It is important to us that you are satisfied with your purchase. If you change your mind about the course, we’ll refund the full cost of the course purchased on our website within thirty (30) days of purchase and before you have attempted to complete the final examination (or the quiz of the last chapter, where applicable) or a certificate has been issued whichever comes first. No refunds will be issued for failure to pass the final examination. We will issue your refund within thirty (30) days of your request.

Please check the terms and conditions (you will find this at check out) as state specific policies may apply.





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What Is A Business Analyst And How Much Do They Make? #business #computer

#business analyst salary

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What Is A Business Analyst And How Much Do They Make?

Over the last few years, the generic job title of business analyst has become popular in multiple industries. Although job duties can vary immensely, in the most general terms, business analysts work within a business or organization to identify and implement improvements to help a business achieve its goals. The title of business analyst can describe both entry-level workers and tenured professionals and compensation varies accordingly. This article discusses the work, compensation, and outlook for business analysts.

The Basics of Business Analysis

Business analysis is a disciplined, structured, and formal approach to analyzing a business process, identifying improvements, and implementing changes so that the business can better achieve its goals. It is based on facts, figures, and observations.

The International Institute of Business Analysis provides this job description, “A business analyst works as a liaison among stakeholders to elicit, analyze, communicate and validate requirements for changes to business processes, policies and information systems. The business analyst understands business problems and opportunities in the context of the requirements, and recommends solutions that enable the organization to achieve its goals.”

Business analysts can serve in many functions in almost any industry. For example, a systems analyst is a business analyst that focuses on how to best use technology to solve problems and improve outcomes. Other job titles where an employee perform business analysis include data analyst, solutions provider, change agent, requirements manager, specifications writer, researcher, product owner, product manager, or management consultant.

Business analysts may perform quality assurance, requirements gathering, documentation, or client support. They may also specialize in improving sales, by focusing on pre-sales, customer service. client relationship, and account management. Business analysts may also be very internally focused on process improvements within an organization and coordination across multiple departments and stakeholders.

Some qualities of a good business analyst include the following:

• Good listening skills

• Openness to change

• Adept in multitasking

• Expertise in prioritization, based on needs of multiple stakeholders

• Good negotiation skills, to seek timely buy-in on important decisions and prioritization from all stakeholders

• Identifying process improvement opportunities which can lead to efficiency and output improvements

Education and Career Path of Business Analysts

A bachelor’s degree or higher is required. Possible majors include finance, technology, management, and accounting. Because of the number of skills required, most business analyst positions are not open to new college graduates. Most business analysts attain their first position after a few years in a related position such as data analyst, functional analyst, systems analyst, business requirements analyst, or financial analyst.

The career path of a business analyst can include becoming a senior business analyst, a business analyst specialist in specific areas (such as SAP, Agile, or ScrumMaster), a business manager, a business architect, an enterprise architect, and finally a director or VP-level position. Other experienced business analysts become independent consultants, taking assignments on contract.

Almost any industry can employ business analysts, but most jobs are in information technology or management consulting firms. Other industries include accounting. investment banking. finance. and market research.

Salary and Compensation for Business Analysts

Compensation varies widely and is determined by the factors like location, experience level, and industry. For example, a business analyst working in a large New York-based investment bank will earn more than a business analyst performing market research for an automobile company in Michigan. Candidates who specialize in a specific technology (like SAP) may command higher premiums. Below are the average salary ranges and bonus percentages for business analysts.

  • Entry Level: $40,000 to $70,000 with up to an 8 percent bonus
  • Mid Career: $55,000 to $95,000 with up to a 10 percent bonus
  • Senior Level: $70,000 – $150,000 with up to a 10 percent bonus
  • Overall U.S. Average: $45,000-$110,000 with up to a 10 percent bonus

Business analyst is a general title for many different job functions in almost any industry. A good candidate should have an undergraduate degree and several years of work experience in the area of business analysis that he or she is interested in. Candidates can also take business analysis certifications courses like those from the International Institute of Business Analysis.





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Average Annuity Commissions: Annuity 123 #how #much #do #annuities #pay

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The “Ask Stan The Annuity Man” educational series is provided by a nationally recognized annuity critic and annuity consumer advocate. Stan The Annuity Man has over 25 years of experience in the financial services industry, and is the author of the highly acclaimed book, The Annuity Stanifesto .

Question : I’m talking to a lot of annuity agents, and can’t get a consistent answer on how they get paid. I know that they do, so how do annuity commissions work? Joe from Texas

Answer : Good job for asking that question Joe. This is an important topic and something that clients need to be aware of. I can’t understand why annuity agents just won’t tell the truth about a subject matter that should be voluntarily disclosed, and certainly not avoided. The bottom line is YES, annuity agents get paid a commission when they sell you annuity.

A common practice I have heard recently is for agents to tell you that “I never charge you a fee” or “you pay no commissions.” I hear annuity radio and TV ads fraudulently say this all of the time. This is nothing more than the agent playing word games and trying to make the potential annuity transaction sound too good to be true, or at a minimum… more palatable.

All annuities pay a commission, and that commission is actually “built in” to the product. For example, if you put $100,000 into an annuity, you will see $100,000 on your first statement. Yes, the agent got paid a commission, but it is a net transaction to you. This is how some agents justify saying “no fee”, even though that’s really not true.

It’s also important to understand that annuity commissions can range from 1% to over 10%, depending on the product. The commission correlation is easy to remember. The longer the surrender charge period, the higher the commission. The more complex the annuity is, the higher the commission. The simpler the annuity structure is, the lower the commission is to the agent. The shorter the surrender charge period, the lower the commission.

For example, long term surrender charge deferred annuities like variable annuities or fixed indexed (called “hybrid” by some internet promoters) annuities pay the highest commission to the agent. It’s somewhat predictable that the majority of annuities (over 80%) sold are these 2 long term surrender charge annuity types.

The lowest commission annuities are Single Premium Immediate Annuities because of their simplistic (yet efficient) transfer of risk design. For the record, Single Premium Immediate Annuities are the original annuity design….and still is my favorite annuity strategy of them all.

Some annuities allow the agent to choose a “trail” commission that allows him to get paid a small % annually for the life of the product in exchange for a much lower up front/initial commission. Less than half of annuities offered by carriers allow the agent to make this choice, which is a negative reflection on the annuity industry in my opinion.

So your gut feel on this was correct Joe. Annuity agents do to get paid a commission, and there is a reason that most only show you long term surrender charge annuity products. That doesn’t mean that a long term product isn’t suitable, it just means that you need to do your homework and keep asking questions until you feel fully comfortable with your decision.

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How Much Does it Cost to Study in the US? #how #much #does #a

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How Much Does it Cost to Study in the US?

In HSBC’s 2016 report. The Value of Education: Foundations for the future, the US emerged as the top choice for parents considering university abroad for their child – but also the most expensive, with the average annual cost of tuition fees to study in the US estimated at $33,215.

Multiply by four for most undergraduate degrees, and for the majority of prospective students, attending university in the US may seem about as realistic as crashing at the White House while you look for a place to live.

But before you abandon all hope of spending your student years playing baseball, going to the drive-thru and generally carving out your own version of the American dream, be reassured: there may be a way.

Costs of study at different types of US university

Anyone familiar with the basic rules of averages will have realized that the HSBC estimate is likely to include significant variation in either direction – and this is true. At the very top-tier US universities (the majority of which are private non-profits), fees and living costs are likely to add up to around US$60,000 per year, but it’s also possible to study in the US at a much lower outlay.

Those seeking a more affordable option may find lower tuition fees at US universities within the public sector. These are typically run as state university systems – collections of colleges within a state, which share some administrative aspects while operating as separate institutions. Public universities in the US have two tuition fee rates: one for state residents and one for everyone else. The second (more expensive) category applies equally to applicants from other US states and from other countries.

According to student support organization College Board, published tuition fees for 2014/15 at state colleges are an average of US$9,139 for state residents, and $22,958 for everyone else. This compares to an average of $31,231 at private non-profit colleges. The cheapest options of all, however, are public-sector two-year colleges – also known as community, technical or city colleges – where average fees for 2014/15 are just $3,347.

Admittedly, you can’t complete a full degree at a two-year college, but you can gain an associate’s degree. This counts as the first half of a bachelor’s degree, which can then be completed by transferring to a university for an additional two or three years.

Average fees at US universities, 2016-17

When transport and other living expenses are factored in, College Board estimates the following annual budgets for undergraduate students in 2016/17:

  • $17,000 (community college)
  • $24,610 (in-state students at a four-year public college)
  • $39,890 (out-of-state students at a four-year public college)
  • $49,320 (private non-profit four-year college)

While these averages provide a helpful overview of the broad range of study costs in the US, it’s worth remembering that there remains significant variation in tuition fees charged by each type of institution. At the most prestigious public universities, for instance, fees may be just as high as those in the private sector. For instance, the University of Michigan (one of the highest-ranked public US universities in the QS World University Rankings®) estimates fees for new out-of-state students in 2016/17 at $45,410, plus $10,872 for room and board, $1,048 for books and study supplies and $2,454 for personal and miscellaneous items. This adds up to a total budget of $59,784, or $65,462 for graduate students.

What funding is available to study in the US?

When assessing the costs of studying in the US, it’s usual to distinguish between the “sticker price” – the published rates – and the amount students actually pay once various sources of funding are considered. In 2013/14. 85% of full-time undergraduate students at four-year universities in the US received some form of financial aid, including 83% of those at public colleges and 89% at private non-profit colleges.

Often, the most prestigious US universities – with the highest sticker prices – offer the most generous funding opportunities. At MIT. the highest-ranked university in the US (and the world ), 91% of undergraduates receive financial aid. At Caltech. almost 60% of undergraduates receive aid, while 98% of graduate students and 99% of doctoral candidates receive full financial support. Similar figures are cited by most other leading US universities, with forms of support including scholarships, grants, assistantships and work-study schemes.

While some funding avenues are only open to US citizens, there are also lots of aid opportunities available to international students. The University of Pennsylvania. for instance, allocates over $6 million every academic year in funding specifically for undergraduates from outside of the US and its neighbors Canada and Mexico. According to data collected by US News. Harvard University allocated aid to 559 international undergraduates in 2015/16, with the average grant standing at $56,268, while Yale University awarded an average of $54,954 to a total of 336 international undergraduates.

Funding information is provided on each US university’s website, and students should usually apply for financial aid at the same time as their application is submitted. A small number of elite US universities also have “need-blind ” admission policies for all applicants. This means students’ financial background is not considered during the admissions process, and the university pledges to provide sufficient aid to ensure every successful applicant is able to attend.

How can you calculate your own costs of studying in the US?

In recent years it’s become easier for individual students to calculate how much they could expect studying in the US to cost. All US universities are legally required to include a fees and financial aid calculator on their websites, allowing students to get a rough idea of how much their intended course of study would cost and what aid they may be eligible for. These “net price calculators” can be accessed via the government’s College Affordability and Transparency Center. which also provides details of the US universities with the highest and lowest tuition fees and net costs.

This article was originally published in February 2012. It was updated in January 2015 and again in December 2016.

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