Tag: much

How much does it Cost to Start a Professional Photography Business? #entrepreneurial #ideas


#photography business

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How much does it Cost to Start a Professional Photography Business?

Photography has become one of the in trends right now. Every special event in a person s life needs a photographer to capture and make the moments truly unforgettable.

So, do you want to go pro? Here are the estimated costs when you are starting your photography business:

Get a pro photography gear.

Of course, the most important thing to consider in your financial plan would be the cost of the camera and the accompanying accessories.

As a professional, you need to have at least two professional cameras. Camera glitch can sometimes happen and you don t want to add to the stress of your client when your camera malfunctions on that very event.

Your budget and gear will depend on what field of photography business you would want.

Buy the camera body but not the kit. You can replace the kit with cheaper versions .

If you are a wedding photographer, consider buying 2 Nikon D750 cameras for $2,000.00 each (total cost =$4,000.00)

If you are a portrait photographer, consider buying 2 Nikon D7100 cameras for $1,200.00 each (total cost= $2,400.00)

These recommended lenses will work fine on both cameras and less expensive version than the kit that comes with the cameras above:

Nikon 35mm f/2.0= $350.00

Nikon 50mm f/1.8 lens= $299.00

Nikon 85mm f/1.8 lens= $499.00

For wedding photographers, you may consider the Nikon Lens 70-200 f2/8: this will do the magic when the wedding is at night or in a dark enclosed church where there is a limited source of light or you cannot go that close to the couple. The cost is about $2,400.00.

Wedding photographers must have at least 2 flashes Nikon SB-700 (at $329 each) total= $658.00

Other essential accessories: memory cards, reflectors, light stands, flash triggers, camera bags ($500.00 to $ 1500)

Computer and software:

21 iMac Computer= $1299

2 external memory drives=$ 85 each total: $170.00

Lightroom and photo shop=$119 per year

This aspect is the one mostly neglected by newbies in photography business, making their business legal

Yearly accounting service: $300.00

Incorporating the business: $125.00

Photography contracts and attorney fee= $400-$2000

Because of the evolution of technology nowadays, people think that having a photography business is easy as taking a plunge.

Sure you may have an informal business at first but if you want to get paid like a pro, you must take your photography business to a professional level.

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Social Media Trends for Photo Business in 2016

6 Tips to Promote Your Photography Business

Shelter Dogs Find Homes Through Photo Booth Photos

Starting Your Own Photo Booth Rental Business Part 1

How to Manage a Small Photography Business

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2017 Locksmith Prices, How Much Does – A Locksmith Cost, how much does contractors

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Cost to Hire a Locksmith

Most homeowners spend between $116 to $165 nationally.

Get free estimates from local contractors who can Hire a Locksmith .

Whether you’ve just bought a new home and you want to have the locks changed for safety reasons, or you’re in need of an emergency lock repair, you’ll need the services of a professional locksmith. An experienced locksmith can replace all types of locks, help you get into your home or car if you’ve locked yourself out, create new keys for a lock, or re-key locks to fit a new key. Before hiring a locksmith or trying to handle a lock problem yourself, you’ll want to know how much the project will cost.

National Hire a Locksmith Costs

Enter your zip code to see specific costs in your area.

National

We are still gathering data for this location. Try changing location above or choose another project.

How do we get this data? This info is based on 6519 cost profiles, as reported by ImproveNet members.

Average Cost to Hire a Locksmith

The average cost to hire a locksmith is $181. The majority of people who needed the services of a professional locksmith reported paying between $143 and $199. The lowest reported cost to hire a locksmith was $59, while the highest price for locksmith services was $300. The cost to hire a locksmith will depend on several factors, including whether you’re in need of emergency service or if there are difficult circumstances like hazardous weather in the area.

Cost Considerations When Hiring a Locksmith

Most experienced locksmiths can unlock any door without needing to replace the locks. If a locksmith tells you that the locking mechanism needs to be replaced, you may want to get a second opinion if possible. Replacing locks and strike plates will add to the project cost. Some locksmiths may charge an additional fee for middle of the night or emergency service. If you’re out on the road and have locked yourself out of your car, you may have to pay an additional mileage fee. Some insurance companies and roadside assistance plans offer free or low cost locksmith services if you choose from a list of participating providers. Before hiring a locksmith on your own, you might first make a call to your insurer to check on your benefits.

DIY Locksmith Projects

If you’re thinking of replacing a lock yourself, consider the cost of tools and the hardware as well as your time. An inexperienced do-it-yourselfer may inadvertently cause damage to the door or door frame, resulting in additional expenses for the project. Hiring a professional to fix a DIY project gone wrong increases the cost.


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Can My Wages Be Garnished For Old Judgment? #how #much #of #your #paycheck #can

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Can my wages be garnished for old judgment?

Dear Bankruptcy Adviser,
I received a letter from a lawyer saying he has a judgment against me from 2007. The debt is from a credit card that I could not pay. Can my wages be garnished immediately or does he have to go back to court again because the judgment is so old?
— Gary

Dear Gary,
Your wages, your bank account and even your property are in jeopardy right now. This judgment is still valid and the attorney can act on it. Not only is it valid, but the balance has been going up at a fixed interest rate per year since 2007. In California, the judgment rate of interest is 10 percent. The interest rate could vary from state to state.

The attorney does need a court order to garnish your pay. That would require a bit of time, but not much. If this is an experienced collection attorney, he could have that order in less than 45 days. Your employer could begin garnishing wages in less than two months from the date of this letter.

This kind of judgment is good for 10 years from the date the court originally signed the order. At the end of the 10-year period, the creditor can renew the judgment through a very simple process for another 10 years, and so on. You could have this judgment follow you for decades.

You have a little bit of room to negotiate because in most cases, the creditor’s attorney would rather be paid a lump-sum figure to settle the case rather than receive monthly payments from your paycheck. He or she knows that while an employer can’t fire you for having this garnishment, the employer could find other convenient reasons to terminate you once the garnishment begins.

Employers don’t like employees in financial difficulty. They are distracted and, some people believe, more inclined to take shortcuts because of their financial issues. Law enforcement is particularly averse to hiring someone in financial distress because the employee dealing with financial issues is more likely to take bribes to resolve their problems.

You have a couple of options. The best one for your credit is to pay the debt. If eligible, you can file bankruptcy to eliminate the judgment and balance. Or you can also try to settle the account with a lump-sum payment or short-term repayment of a settlement.

However, the path you currently have taken — head in the sand, hope it goes away — has finally caught up with you. Don’t dally any longer.

Ask the adviser

To ask a question of the Bankruptcy Adviser, go to the “Ask the Experts ” page and select “Bankruptcy” as the topic. Read more Bankruptcy Adviser columns and more stories about debt management.

Bankrate’s content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this website is governed by Bankrate’s Terms of Use .

More On Judgments:

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Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

2017 Bankrate, LLC All Rights Reserved.

Maximize Your Money. Get Expert Advice Tools. Master Life’s Financial Journey.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.

Our tools, rates and advice help no matter where you are on life’s financial journey.


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Fleet Costs #fleet #costs,company #car #costs,fleet #cost #management,running #costs,fleet #running #costs,cost #management #for #fleets,how

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Fleet Tools

The car running costs database allows you to search for benchmark pence per mile (ppm) costs and other important factors such as carbon dioxide emissions and insurance groups across more than 4,000 popular fleet cars.

Work out fuel costs for each of your vehicles using your actual MPG or the manufacturer combined figure, add all your fleet models for a combined fuel cost total.

With the Fleet News car tax calculator you can calculate your tax quickly and easily the company car tax calculator will provide you with a breakdown of the employees and the employers costs.

Compare fuel prices from across the UK and find the cheapest fuel prices around the UK.

Work out how much an electric vehicle, plug in hybrid or conventional car would cost to run, based on your actual journeys.

Find the latest CO2 figures for vehicles on the market today.

Add your fuel bills each period to see how much CO2 you have produced.

The Electric Vehicle Charging Point map shows every power point open to EVs in the UK, detailing the networks they are part of, and any charges that are applicable.

Check if a vehicle is taxed or not, even after the abolition of the tax disc, with the vehicle tax status checker.

Here at the Fleet News tools section you can access up to date information and prices to help your company run effective and efficient fleets.

Car Tax Calculator

The Fleet News car tax calculator enables you to calculate your company car tax online quickly and easily and receive a breakdown of the employees and the employer s costs.

Need to know how much a car will cost to run over its lifecycle? With the car running costs calculator and van running cost calculator you can compare models and manufacturers and calculate your current fleets overall running costs.

Fuel Cost Calculator

The Fleet News fuel cost calculator is here to help you in cutting your fuel costs for your fleets. By using the car fuel cost calculator you can calculate how much you are spending on petrol or diesel for your fleets to show you the cost implications if you were to pay as little as 1 penny less per gallon.

Compare Fuel Prices

When paying fuel prices for your fleet cars, your business could make substantial savings by finding a cheaper forecourt to refuel your fleet cars or vans. Compare fuel prices in your area with Fleet News.

Compare cars by make, model and derivative with Fleet News today, find out different car costs, features, co2 emissions plus much more with the fleet news car comparison tool.

CO2 Emissions Calculator

Here at Fleet News we have a guide to co2 emissions and a co2 emissions calculator to help businesses calculate their fleet CO2 emissions as well as a guide to eco driving.

Compare Contract Hire

Fleet News has teamed up with comparecontracthire.com to provide fleet decision makers with a selection of some of the best contract hire and leasing prices available on the market today. Simply select a manufacturer and model to compare current contract hire prices on three-year/30,000-mile contracts to find the right deal for your business.

Find the right van for the right job with the van chooser tool, here you can search by a whole range of criteria including transmission, payload, MPG and CO2 emissions to help find the right van suitable for your business.

Carbon Footprint Calculator

The simplest way to calculate tailpipe emissions of CO2 is to measure fuel consumption. Just add your fuel bills each period to see how much CO2 you have produced.

Van Tax Calculator

Use the drop down menus and find out the tax costs for all derivatives.


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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.

References


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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).

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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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