What is a Totaled Car? Kelley Blue Book #car #totaled, #what #is #a #totaled
Q: What is a Totaled Car?
A totaled car is a vehicle that cannot be repaired legally, safely or cost-effectively. The term is derived from insurance company terminology that describes damage that cannot be reasonably fixed and forces the insurance company to declare your car a total loss. However, even if the vehicle is declared a total loss, you do not have to relinquish the car to your insurance company. Some car owners decide to repair their cars for emotional or financial reasons.
Your car insurance agent will decide if your car is a total loss according the company’s guidelines. You or your insurance company is also responsible for notifying the state if your car is totaled, depending on your state’s laws.
There are three reasons a car may be considered a total loss. If it cannot be repaired safely, insurance companies always declare it a total loss. If a car requires repairs that cost more than its assessed value, your insurance company will also call it a total loss. State law may also require the car insurance company to declare your car a total loss due to the type or extent of the damage.
The sale price of comparable cars in your area determines the assessed value of your car, which is called the Actual Cash Value (ACV) of the car. The car’s condition, mileage and optional upgrades also affect its value, so it’s important to give your insurance company as much accurate information about your car as possible.
Totaled cars may still be valuable enough to warrant repair. If you would like to keep your car, there are ways to retain ownership and still receive a settlement check.
Insurance companies usually sell damaged cars to a salvage yard for parts or repair. If you would like to be responsible for repairing the car yourself, you can request to purchase the car back from your insurance company. Your insurance company will solicit bids for your totaled car from local salvage yards to set a fair price. If you are willing to pay that price, the insurance company will deduct the cost of the totaled car from your settlement check and return the car to you.
If the damage is too great, state laws may not allow the insurance company to sell the totaled car back to you. These laws will also restrict how you can use the totaled car. Most states refuse to issue license plates for a totaled car until it is completely repaired, can pass state inspection, and meets the requirements to apply for a new title. Depending on your state’s laws and the extent of the car’s damage, the title may also be changed to a salvage title. Additionally, you’ll be required to carry insurance on the salvaged car, such as collision coverage. that meets your state’s requirements for insurance. It is unusual to be able to obtain full coverage on a salvaged car.
The laws that govern car insurance companies and totaled cars vary between states, so it’s important to consult with your state’s Department of Motor Vehicles (DMV) before committing to repairing your car. Some car insurance companies also refuse to insure any car declared a total loss — be sure to call your insurance agent to verify they’ll insure a totaled car.
2017 INFINITI QX80
2017 Audi A6
Written by chanie on March 2nd, 2017
I I I don t even know what to say . but BREAKING THE INTERNET comes to mind. Move over Kim Kardashian because I ve got Salami Babka in the house!!
I don t know how I ve held it in for this long this gorgeous savory babka has been eating away at me (or have I been eating away at it?) ever since I conceived of it months ago I wanted to shout it from the rooftops the second this baby came out of the oven, but it was not to be, because, as you know, I save all my SALAMI revelations for Purim! Yes, Purim. The holiday of booze, dress-up, and here at Busy In Brooklyn, SALAMI.
My salami hacks have been making their mark each year for the holiday, and I think I might have finally outdone my drunken hasselback salami. because, lets face it ain t nothin better than bread and when you fill that bread with the sweet and savory fillings of apricot jam, mustard, brown sugar and salami well . you basically BREAK. THE. INTERNET.
Babka has been all the rage this year, from the famous Bread s bakery babka (who s recipe was recently made public in the Baking Breads cookbook) to the spreads in The New York Times. Bon Appetit Magazine. and all that other stuff. I have to admit that I have never made true, authentic babka (with buttery brioche dough), although I often fill my leftover challah with gooey chocolate spread, twist it up and call it a day.
I ve had savory babka on my mind for a while now, and I was kind of surprised that I haven t seen too many savory variations on the net. Especially since turning traditional sweets into savory adaptations is kind of a thing right now. My biggest obstacle with a salami babka was the brioche dough. The good stuff is loaded with butter and I just couldn t stand the thought of using all that margarine (the rules of kosher forbid me from eating milk with meat, so no butter and salami together). And yes I realize that s ironic since this thing is loaded with salami (insert facepalm emoji here!)
I considered going with a challah dough, but I finally decided I would make this super easy for everyone and just use pizza dough. Of course you can use any dough you choose, and even go crazy with the deli you stuff it with. Don t worry about all of the mess the little bits of salami that poke out of the bread and get all crispy and caramelized are my favorite part of this recipe!
Now if you ve missed my whole salami situation the reason for my yearly Purim salami postings are due to a little nugget of information that I read a couple of years back. I don t know if it was true, or it was all a Purim joke but it made mention of the fact that some people have a tradition to eat salami on Purim since it is hung, like Haman. I thought it was the coolest food custom I had ever read, so I adopted it. The part that you don t know though, is that that was a huge deal for me! Why? read on.
So growing up, my mom would make salami sandwiches every Friday afternoon for lunch for my siblings and I. She d send us outside to the courtyard of our building to eat them, so we wouldn t make a mess inside the house before Shabbat. Little did she know, we all hated those little hard white pieces inside the salami (I m pretty sure they were solid fat!), so one by one, we all chucked our salami sandwiches down the incinerator chute every. single. week. My poor mom thought we were eating lunch and little did she know!
From thereon out, I never looked at salami again. For years. Until I got married and the only thing my husband knew how to cook from his Yeshiva days was salami and eggs. I always swore I d never try it, until one day, he convinced me, and the rest is history! I learned that cooking out the salami fat leaves you with a super crispy, tasty bits of heaven that are so perfect for trashing up in fun ways!
Just. Like. This. Lets get hangin !
1 lb. pizza*, challah or brioche dough
1/3 cup apricot jam
2 tbsp deli mustard
2 tbsp brown sugar
7 oz. Abeles Heymann salami, thinly sliced
2 tbsp everything bagel spice
Preheat oven to 350 degrees. Flour your work surface and roll the dough out to about 11 x 16 . Melt your apricot jam in the microwave or in a small saucepan and brush over the dough. Squeeze some mustard over the jam and sprinkle with brown sugar. Spread the salami slices out in one layer and starting from the long end, roll up jelly-roll-style. Slice the roll in half down the center, and gently twist the two strips around each other. Don t worry if some of the salami falls out, or if pieces stick out of the dough, just try to keep the layers from falling apart. Place the salami babka into a greased loaf pan and sprinkle with everything bagel spice. If any of the salami fell out, just tuck it into the sides of the pan.
Bake the babka until golden, about 35-45 minutes. Remove from the loaf pan and slice. Serve warm, with mustard for dipping.
NOTE: I know this recipe seems messy but the idea is to have some of the salami piece sticking out of the dough so that they get crispy and caramelized, while other pieces stay moist on the inside.
VARIATION: Try this recipe with kosher bacon, or other deli meats like turkey and/or pastrami.
*of course I used store-bought pizza dough because I m about the 1-2-3!
What is a Turnkey Franchise?
You ve probably heard the term turnkey many times and may have wondered what it means in terms of franchising. Turnkey basically refers to a franchise package so complete that everything you need to start the franchise will be done for you.
On the surface, this sounds like a great idea. You pay your fee and the franchisor researches the location, signs the lease, builds out the unit, supplies you with start-up inventory, finds and trains the staff, and orchestrates the grand opening. All you have to do is turn the key to open your new business.
There are plusses and minuses to a turnkey franchise. It could be a great advantage to you because of the work and aggravation it can save. It may also be an unnecessary expense if the package is overpriced for what it offers.
If the business you are looking at getting into says it is a turnkey opportunity, here are some ways to evaluate the value of the package offered.
- Most franchisors offer only a partial turnkey program, doing some but not all of the items mentioned above. Make sure you understand what they will help you with and what tasks you ll need to tackle yourself.
- You should expect to pay a reasonable price for the labor involved in putting the package together, but not an outrageous price. If the price seems high, ask for a breakdown of the services provided.
- Group purchasing power is a definite benefit of franchising. You can expect to get a good deal on the components needed for the business since you are taking advantage of the buying power of the chain. Make sure you have an understanding of the savings.
- Ask the current franchisees about the value of the turnkey package. You ll be calling them anyway as part of your due diligence so be sure to cover this topic thoroughly. Ask them if they feel they got a fair value for the turnkey package and if the process went as smoothly as they expected.
- Finally, remember that you are paying a large up-front franchise fee and substantial ongoing royalty payments to this franchisor. These are accepted costs of a franchise business. You should not also have to pay a large markup above the actual costs to put the turnkey package together. Take the time to understand all facets of the process and the associated costs.
When the reverse is true
That being said, there are always exceptions to the rule. Some franchisors do not charge a royalty but actually make their profit by selling you the components of a franchise. For example, a smoothie franchise may sell you their proprietary kiosks and ingredients rather than charge you a royalty fee. The franchisor s profit comes from the mark-up on the products they sell you.
Again, you should expect a fair price and the best way to determine if the price is fair is to ask the existing franchisees. Ask them if they are happy with the prices they are charged and if they shopped around before signing with the franchisor to see if this was the best deal they found.
The wave of the future
As franchising becomes more and more sophisticated, most franchisors offer at least partial turnkey features. They understand that it is to their benefit to provide their franchisees with every possible advantage to give them the best chance at success.
With retail franchise concepts, the franchisor is likely to provide the equipment and fixtures to the franchisee. The franchisee will then hire a local contractor to assemble and install everything. This balances the need for the consistent look and feel the franchisor wants with the same level of cost control for the franchisee.
In addition, the more the franchisor provides the franchisee in the way of training, marketing, materials, products, build-outs, etc. the more consistent the brand is from one location to the next. This also generates more revenue for the franchisee.
It still takes you to make it work
A true turnkey franchise is a company that supplies franchises with a business in a condition ready for immediate use, occupation, or operation, according to a dictionary definition. In most cases, a franchisor will do a lot to get you up and running but you will still need to take care of a number of start-up items yourself.
But whether a business is or isn t a turnkey opportunity, or is a partial turnkey operation, don t forget that there is still one element of the equation that a franchisor cannot provide and that s the drive, talent and determination of the franchisee to make the business successful. That is completely up to you!
business intelligence (BI)
Business intelligence (BI) is a technology-driven process for analyzing data and presenting actionable information to help corporate executives, business managers and other end users make more informed business decisions. BI encompasses a variety of tools, applications and methodologies that enable organizations to collect data from internal systems and external sources, prepare it for analysis, develop and run queries against the data, and create reports, dashboards and data visualizations to make the analytical results available to corporate decision makers as well as operational workers.
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The potential benefits of business intelligence programs include accelerating and improving decision making; optimizing internal business processes; increasing operational efficiency; driving new revenues; and gaining competitive advantages over business rivals. BI systems can also help companies identify market trends and spot business problems that need to be addressed.
BI data can include historical information, as well as new data gathered from source systems as it is generated, enabling BI analysis to support both strategic and tactical decision-making processes. Initially, BI tools were primarily used by data analysts and other IT professionals who ran analyses and produced reports with query results for business users. Increasingly, however, business executives and workers are using BI software themselves, thanks partly to the development of self-service BI and data discovery tools.
Business intelligence combines a broad set of data analysis applications, including ad hoc analysis and querying, enterprise reporting, online analytical processing (OLAP ), mobile BI. real-time BI. operational BI. cloud and software as a service BI. open source BI. collaborative BI and location intelligence. BI technology also includes data visualization software for designing charts and other infographics. as well as tools for building BI dashboards and performance scorecards that display visualized data on business metrics and key performance indicators in an easy-to-grasp way. BI applications can be bought separately from different vendors or as part of a unified BI platform from a single vendor.
BI programs can also incorporate forms of advanced analytics. such as data mining. predictive analytics. text mining. statistical analysis and big data analytics. In many cases though, advanced analytics projects are conducted and managed by separate teams of data scientists. statisticians, predictive modelers and other skilled analytics professionals, while BI teams oversee more straightforward querying and analysis of business data.
Business intelligence data typically is stored in a data warehouse or smaller data marts that hold subsets of a company’s information. In addition, Hadoop systems are increasingly being used within BI architectures as repositories or landing pads for BI and analytics data, especially for unstructured data. log files, sensor data and other types of big data. Before it’s used in BI applications, raw data from different source systems must be integrated, consolidated and cleansed using data integration and data quality tools to ensure that users are analyzing accurate and consistent information.
In addition to BI managers, business intelligence teams generally include a mix of BI architects, BI developers, business analysts and data management professionals; business users often are also included to represent the business side and make sure its needs are met in the BI development process. To help with that, a growing number of organizations are replacing traditional waterfall development with Agile BI and data warehousing approaches that use Agile software development techniques to break up BI projects into small chunks and deliver new functionality to end users on an incremental and iterative basis. Doing so can enable companies to put BI features into use more quickly and to refine or modify development plans as business needs change or new requirements emerge and take priority over earlier ones.
Sporadic usage of the term business intelligence dates back to at least the 1860s, but consultant Howard Dresner is credited with first proposing it in 1989 as an umbrella category for applying data analysis techniques to support business decision-making processes. What came to be known as BI technologies evolved from earlier, often mainframe-based analytical systems, such as decision support systems and executive information systems. Business intelligence is sometimes used interchangeably with business analytics ; in other cases, business analytics is used either more narrowly to refer to advanced data analytics or more broadly to include both BI and advanced analytics.
Business intelligence (BI) vs. advanced analytics comparison
BI vs. advanced analytics
What s the Better Buy: a Consumer or a Business Laptop?
Laptop makers such as Dell, HP, and Lenovo carefully label and target their laptops for either “business users” or “home users,” which implies that they’ve done their homework for you and selected the best models for your type of usage.
But even if you’ll be using the laptop in your living room rather than during board meetings, should you skip shopping in the business laptop department altogether? The answer is, well, it depends.
I compared similarly configured consumer and business laptop offerings from several major laptop vendors, and found several good reasons for home users to consider business laptops–including more configuration options and better warranties.
But it isn’t always a cut-and-dried decision. Here’s what you need to keep in mind when selecting your next laptop.
Six Reasons to Consider a Business Laptop
Lenovo’s ThinkPad T420 business laptop. Better durability and build quality: Business laptops are designed to take a beating, literally in some cases. Lenovo’s ThinkPad line of business laptops are military-spec-tested to endure heat, humidity, pressure, shock, and other extremes so that the laptops can survive anything business travelers and outdoor workers toss at them. (Seriously, Lenovo testers even throw laptops out of airplanes .)
The company’s IdeaPad consumer laptops don’t get that same extreme treatment, because regular laptop users supposedly don’t torture their laptops as much.
Even if you don’t plan on working in severe conditions, a business laptop’s more rugged design may help you get more long-lasting value out of your laptop, thanks to the use of premium materials. The HP ProBook 4530s laptop for professionals, for example, might look quite similar to the silver HP Pavilion dv6t in the consumer line, but the ProBook 4530s is constructed of “high-strength precision-formed aluminum” while the dv6 simply has a metallic finish. The ProBook’s aluminum is deeply anodized to be scratch-, smudge-, and wear-resistant.
The Asus U36S, a high-end consumer laptop. However, high-end materials have started to show up in premium consumer ultraportable laptops, such as the Asus U36S. which has a magnesium-aluminum alloy cover. But business laptops generally are still constructed and tested to be tougher.
For instance, Asus reinforces its business-oriented B23E laptop with metal hinges and metal brackets to cushion the hard drive, and tests both the hinges and the panels beyond consumer standards. Here’s some information on how Asus tests .
And the Dell E6520 not only has a spill-resistant keyboard (a protective seal guards against everyday spills), it also comes with a 360-degree bumper around the LCD panel, and even its latch is made of a zinc alloy for durability.
More build-to-order options: You’ll find many preconfigured laptop models to choose from in the home/consumer site of any major laptop manufacturer, but if you want to fine-tune a laptop’s specifications to a greater extent, head to the business side.
For example, with the entertainment-focused Lenovo IdeaPad Y470. you can select from consumer models with Intel Core i3, i5, or i7 processors and different memory and hard-drive capacities. But your customization options for those models are limited to adding on more years to the warranty or selecting laptop accessories.
Select the business-oriented Lenovo ThinkPad T420 model, on the other hand, and you can opt for a higher-resolution display, swap in a discrete graphics card, upgrade the hard drive, add a fingerprint reader, and much more–at additional cost, of course.
Longer warranties and better support: If you want more protection for your laptop, business laptop warranties typically trump consumer ones. The Toshiba, Dell, and Asus business laptops I looked at, for example, came with standard three-year warranties, versus a one-year warranty on the consumer models.
The ThinkPad was configurable for up to a four-year warranty, while the IdeaPad warranty only went up to three years. Each year of additional protection and support is worth between $50 and $100 dollars, and gives you more peace of mind should your laptop break down beyond a one-year period.
Priority service is also sometimes available to owners of business laptops, whether or not you use it for business purposes. HP EliteBook buyers, for example, will soon be getting their own dedicated tech support person to talk to.
Additional security built in: Because lost business laptops are a huge liability and concern for business owners and IT departments, security features that consumer laptops don’t get are practically standard here. All of the business laptops I looked at offer at least the option to add a fingerprint reader, and many come with TPM (Trusted Platform Module) Embedded Security chips to encrypt your laptop’s data. HP touts its own suite of security tools (“ProtectTools”) that promises to wipe your drive remotely, shred files, check credentials on boot-up, and more.
More expansion and connectivity options: Want to quickly plug in or unplug your laptop from an external monitor and the many peripherals you own? A business laptop is more likely to have a matching docking station or port replicator, perhaps because business users are more likely to want a setup both at the office and at home, or because they need quick connectivity if they travel often.
Matte screens: Finally, consumer laptops tend to come with glossy displays that may show vibrant colors but also are subject to terrible glare. Business laptops generally have antiglare displays or at least antiglare options. These screens are easier on the eyes, easier to view outdoors, and have better viewing angles.
Next: Four Reasons to Buy a Consumer Laptop
What s the Better Buy: a Consumer or a.
#small business owner
What It Takes to Be a Small-Business Owner (Infographic)
Former Staff Writer
Being a small-business owner isn t easy, but an overwhelming majority of entrepreneurs wouldn t have it any other way.
While small-business owners cite having to wear so many hats and finding new customers as their biggest concerns, according to the below infographic courtesy of online marketing company Constant Contact. a whopping 84 percent said that, if given the opportunity, they would start up all over again. The ability to pursue their passion and the freedom that an entrepreneurial lifestyle allows are their biggest motivators, they said.
And that s a good thing, because small business continues to contribute to the global economy in huge ways. Roughly half of all U.S. jobs are provided by companies of less than 500 employees, and 54 percent of U.S. sales happen at small businesses. Additionally, small businesses donate 250 percent more than larger corporations to nonprofits and other charities.
For additional stats, check out the infographic below.