Sunday 3 April 2016

Donating Your Car To Charity



Car donation is one of the easiest and most beneficial ways to give back to the community, and we’ll show you how easy it is and what you can do to donate a car to charity this year. It really doesn’t get any easier than this to make dreams come true!

Must See :Donate Car to Charity California

What Type Of Vehicles You Can Donate

Of course, you need to have an old car to donate in order to donate a car to charity, but if you don’t, then there are plenty of other vehicles you can donate that we will also be glad to take! When you donate a vehicle to Wheels For Wishes, benefiting Make-A-Wish, you can donate your car, truck, SUV, RV, boat, or even a motorcycle. Of course, there are some instances where we are unable to accept a vehicle, but we do our absolute best to make the most of every vehicle.

Also Read : The benefits of your car donation in California

In Just A Few Moments You Can Donate A Car

Donating a car requires little effort, but it still gives you the warm feeling of knowing you did something great. Your easy contribution goes much further than you could imagine, and we make sure that donating a car is simple and stress-free. Who knew that something so easy would be so beneficial?
No matter what condition your vehicle is in, we will work hard to make the most of your donation. You don’t have to travel anywhere or spend any money on getting your car fixed in order to donate it, and it will be a relief on your end to get rid of that old, broken down car that takes up space in your driveway or garage! We’ll take your vehicle whether it runs or not, and we will pick it up or tow it away at no charge to you. You don’t have to worry about a thing. We’ll pick up your car even if it’s stalled and stranded on a road somewhere.
Donating a car takes only a few minutes and that’s it! Give us a quick phone call at 1-877-431-9474, and it’s as easy as that. You don’t have to deal with any long, repetitive phone calls because we take only a few minutes of your time. You can even make your donation online if you prefer to donate that way. Just fill out our easy online vehicle donation form and we’ll contact you within 24 hours of the next business day to schedule your vehicle pick up. Either way is easy and will allow you to donate a car in no time at all. Before you know it, we’ll take that vehicle out of your hands and it will be on its way to making a child’s wish come true.
How Car Donation Benefits You
how car donation benefits you
Aside from saving you time, money, and sanity, your car donation benefits you at tax time. Since we are a fully-registered IRS 501(c)(3) Non-Profit Organization, you will receive an excellent tax deduction that is sure to make you smile. After you make your donation, we will mail out your tax deductible receipt for you to save and deduct from your taxes at tax time. There is no doubt that you will be very pleased at tax time since you will receive the maximum possible tax deduction for your donation to charity!
The list of benefits goes on and on. Your donation allows you extra time that you would have otherwise spent placing a car advertisement in the paper, showing the car to potential buyers, and haggling over a sales price, but it also takes all of the stress off of your shoulders that is associated with selling or trading in a car. Everyone who has had to sell or trade in a car knows what a pain it is and how much time it takes up. When you leave the work up to us, you don’t have to worry about a thing. All you need to know is that your car will be put to good use and will grant the wish of a local child in your area.
How Vehicle Donation Compares To Other Methods
Donating whatever items you can at any given time is always wonderful and generous, but car donation is one of the easiest ways you can donate an item to charity. For example, many methods of donation mean sorting through items packed away in your closet, wiping off dust or cleaning them entirely, and neatly folding or arranging them into a bag. While it’s easy, it still takes up a little bit of time.
When you donate a car to charity, you really don’t have to do anything except call or go online to make your donation.  We will take care of everything else. We will come to the car you wish to donate, and we will either pick it up or tow it away, free of charge. You won’t have to go anywhere or do anything at all! Car donation is truly easy and effortless, but still leaves you with the amazing feeling of knowing you are helping a child’s wish come true.
Must Read : How To Donate A Car In California

Other Ways To Donate To Charity

Donating money to charity is always another great way to help out. Organizations are always in need of cash donations, so this would also be another easy way to donate to charity, but a major difference between cash donation and car donation is that car donation does not cost you a dime! You will be the one who ends up with extra money at tax time. You won’t spend a cent when you donate a car.
Volunteering and fundraising are other excellent ways to raise money, and Make-A-Wish offers plenty of opportunities to volunteer with them and to help fundraise. They offer many fun and exciting events and kind and devoted volunteers are often the ones who help make those events happen! Your help is always greatly appreciated in any way you can. The fewer professionals an organization needs to hire, the more money they will to benefit the charity. Raising money for the charity is after all, the main mission of the charity.
Whether you donate clothes, food, money, time, skills, or expertise to a charity, we can promise you that car donation is an excellent way to donate and that you will be very pleased with the results. Plus, you will have so much extra time on your hands that you may have had to spend trying to sell or trade in your car, that you will have time to physically volunteer at Make-A-Wish if you are looking for more ways to help. Who knows, you could end up physically helping out during the wish-granting process for the child who is benefiting from your old car! Anything is possible!

Also Check : Donate Car for Tax Credit

Donate Your Vehicle Today

Donate your vehicle today, because any donations we receive online before midnight local time on January 1st count for that tax year. Get started now to benefit yourself and a local child this year!
What Your Car Donation Can Do For A Local Wish Kid
thank you
Imagine being young and having that one big wish that you desperately wanted to come true. Whether or not your wish was granted at that age, you probably did something later in life that was so amazing that it was comparable, if not better, to your wish. Many wishes are just what “Wish Kids” need to feel strength, hope, and joy once again, and that is why we work with Make-A-Wish to make sure that kids’ wishes are coming true now. Kids deserve to be kids, so that is why we strive to grant their wishes, just like they deserve.
While many kids wish to travel to a particular part of the world or country, many wish to do things that we take for granted on a daily basis. Many “Wish Kids” wish to see their favorite hometown baseball team play or to spend a day at the beach. Other kids wish to visit a popular amusement park or meet their favorite role model.
Whatever a child wishes, you can be the person to make that wish come true. The best part about Wheels For Wishes, benefiting Make-A-Wish, is that your donation helps a child in your very own community, benefiting your local Make-A-Wish. You can feel great about helping a child in your very own community.  Donate your vehicle to help a local child today!

List of Auto Insurance Companies

List of Auto Insurance Companies



  1. Intact Financial ($2,547,953)
  2. TD Insurance ($1,761,642)
  3. Aviva Canada ($1,706,504)
  4. State Farm Mutual Auto ($1,440,923)
  5. Wawanesa Mutual Insurance ($1,163,881)
  6. RSA Canada Group ($1,116,124)
  7. Co-operators Group ($1,104,241)
  8. Desjardins General ($1,041,518)
  9. Economical Insurance Group ($923,059)
  10. AXA Canada ($894,819)
  11. Dominion of Canada ($787,969)
  12. Northbridge Financial ($548,252)
  13. Allstate Insurance of Canada ($453,688)
  14. RBC General Insurance ($378,501)
  15. Capitale Assurance General ($267,470)
  16. Jevco Insurance ($282,515)
  17. Ontario Mutual Insurance Association ($248,862)
  18. SGI Canada ($194,494)
  19. Alberta Motor Association ($193,062)
  20. Zurich Insurance ($192,821)

Auto Insurance Quotes


What can a car driver do to get affordable Arizona auto insurance quote? Do cheap auto insurance quotes really exist? After reading this post you will get all the necessary ideas and information to find Arizona auto insurance quotes that are affordable.

Arizona Auto Insurance Law
Like every other state Arizona has own set of laws which include that you must have a license for your car, you have the financial ability to run the car and you have to have minimum state required coverage. If you have caught without having state required minimum coverage, you have to compensate $250 to $750 and you may lose your car registration and your driving license if you get caught in an accident without having a basic liability policy. The state’s minimum coverage is 15/30/10 which means minimum $15,000 per individual, minimum $30,000 for an accident and minimum $10,000 for property damage.


Though Arizona State has required minimum coverage many insurance experts in Arizona suggest to have more than these coverage, because you have to bear the expenses beyond the minimum coverage out of your pocket.

How To Get The Affordable Arizona Auto Insurance Quotes?
You can get auto insurance quotes in Arizona in two ways; you can visit individual auto insurance companies available in Arizona or find third party websites which provide auto insurance quotes from different auto insurance companies. It is easy to get insurance quotes from third party websites rather going to insurance companies website individually. To get quotes you have to provide your personal information, your driving license number, zip code and vehicle model and type. They have own database and within 15 minutes you will get your requested car insurance companies quotes. Compare car insurance quotes online and choose the cheap one within your budget.

Where Can You Get The Best Arizona  Auto Insurance Quote?
You can find the best Arizona auto insurance quote on your profile if you compare as many car insurance companies as possible. To get the best one make sure your selected auto insurance company has the license to provide services in Arizona and also listed Arizona department of insurance.
After selecting company visit to its website to confirm your appropriate coverage and customer satisfaction. You should also check how many complaints it has from customers and what other policy holders of this company say about its service quality.

Tips To Get Lower Arizona Auto Insurance Quote
By raising deductibles you can save money on auto insurance policy. Just make sure you can cover the deductible amount.

You can lower your insurance rates by avoiding unnecessary coverage. Auto insurance companies set the insurance coverage as a package and sometimes drivers have to pay extra money for nothing.

Many auto insurance companies provide discounts if the drivers attend driver’s safety courses. Ask your agent whether the company offers discounts on safety courses or not. The Arizona National Safety Council offers AZ residents courses in defensive driving. Taking such courses can save you a handsome money.

Install few safety devices in your car which may reduce the insurance prices. Also mentioning the occupation to insurance companies in Arizona will help to get lower auto insurance quotes.

Saturday 2 April 2016

Temple University Online Classes and Courses




Courses and Schedules


Whether you live on campus or commute each day, Temple offers thousands of courses to fit your schedule—from early mornings to evenings to weekends.

Calendars and Schedules

To help you plan in advance and organize your year, we have assembled all of our calendars and schedules into simple, easy-to-access pages. Find important dates and deadlines, as well as course and exam schedules.

Academic Calendar

The Academic Calendar lists all of the important dates and deadlines you need to know for each semester.

Class Schedule

The Class Schedule provides you with simple pull-down menus that allow you to easily search for and select the classes you need each semester.

Exam Schedules

Most courses have final examinations at the end of the semester. The day and time of your course will determine when that exam is given.



Course Catalog

View all undergraduate, graduate, and professional courses offered at Temple during the semester. This information is also available in TUportal when you register for classes.

Undergraduate Bulletin and Information

Temple provides a number of resources that can help keep you on track to graduation. Along the way, you will take many courses that will broaden your horizons and stimulate your intellect.

Undergraduate Bulletin


The Undergraduate Bulletin is your indispensable guide to all of Temple's degree programs and the requirements necessary to complete your major. With this information and guidance from your academic advisors, you can map out your path to graduation.

General Education Program (GenEd)

College gives you the chance to acquire expertise in a specific field, but it also should help you develop a broad base of skills, abilities and knowledge. Temple's General Education (GenEd) program serves as the university's liberal-education requirements for undergraduates and provides a foundation for learning and development that will help you succeed academically and professionally.

University Core Curriculum

The core curriculum is Temple's liberal-education requirements for all undergraduate students admitted prior to fall 2008 and all transfer students admitted prior to fall 2010. The core, in combination with your major, provides you with the intellectual skills and knowledge needed for academic success in college. It also equips you with a useful education for your career, citizenship and personal life.

Degree Auditing Reporting System (DARS)

DARS shows your course work to date—including transferred courses—and the academic requirements you need to complete a degree in your major field of study.

Graduate Bulletin and Information

Staying on track toward a graduate degree requires up-to-date information and resources. At every step along the way, Temple is committed to answering your questions and helping you reach your goal.    

Graduate Bulletin

The Graduate Bulletin provides specific information about the graduate programs offered at Temple and the requirements necessary to earn your degree.

Graduate School Information

There is a lot to think about when considering graduate school. Whether you are in the initial stages of considering schools or are currently enrolled in a degree program at Temple, you can find the answers to your questions here.

Graduate Courses

Temple's graduate courses will challenge you academically and intellectually. An alphabetical listing provides you with a comprehensive review of our current offerings.

Forms

Visit the central repository for graduate school forms to help you reduce your course load, obtain an extension, petition for a withdrawal, request for a leave of absence and apply for a variety of other administrative requests.

Postdoctoral Fellows

Those considering a postdoctoral fellowship at Temple can find relevant policies and a salary scale on this page.

Graduate Policies

Policies are a part of every academic program, from admission to graduation. All of Temple's graduate school policies are conveniently gathered here for your review.

Must Check : Top 5 Best Online Colleges For 2015-2016

Also Read : Latest Online College Courses

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Most Popular  Sites for Cheap Flights



Long airport security lines, bad airline service, and lousy on-time percentages are the common complaints of the modern frequent flier. I've got another to add to the list: the grueling process of trying to find the cheapest flight online. Having to comb through several ticket search engines and then compare those prices to those listed on airline Web sites is enough to make even a Web-savvy bargain hunter want to call a travel agent.

Must See : The benefits of your car donation in California


BookingBuddy

www.bookingbuddy.com
BookingBuddy takes some (not all) of the hassle out of searching the various travel sites for the best fare. Enter your travel details, and BookingBuddy will point you to the different travel sites to find the best deal. I wish it would search them for me and gather the results instead of just redirecting me to them, but at least BookingBuddy saves you from having to enter your travel info nine times on nine different sites.

SeatGuru

www.seatguru.com
Before selecting your seat on the plane, be sure to visit SeatGuru so you know you're picking the best one. The site has seating plans for all the major airlines and plane types, and let you know which seats have the most legroom, nearby power outlets, or seatbacks that don't recline.

Read More : Top 5 Best Online Colleges For 2015-2016

Also Read : Donate Cars in MA

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Top 5 Best Online Colleges For 2015-2016



1. Northern Arizona University


 Northern ArizonaNorthern Arizona University offers a full 45 bachelor’s level degreesthat can be completed entirely online. Ranging from hotel & restaurant management, to liberal arts, to computer information technology, mostdegrees offered are skill-centered and geared towards your future career. Northern Arizona University is also one of the most affordable schools of those surveyed, with highly competitive costs for online degrees and NAU’s competency-based programs that are available for an estimated cost of only $2500 per semester. The competency-based is a flat rate subscription, allowing students to take an unlimited number of courses online for a six month period. There are no lab or course fees, and all materials required by the courses are available online.

2. Arizona State University


 Arizona StateArizona State University offers 47 bachelor’s degree programs fully online, and a full 80+ programs when specializations and non-bachelor’s level programs are included. Degree offerings are comprehensive, ranging from art, business, communications, culture, education, engineering, health, language, to STEM. 6 start dates are available per year, allowing students to start on their degree when it works best for them. Arizona State University is a national research university that offers affordable tuition online, with an estimated per-semester tuition cost of $7672.

3. Granite State College


 Granite State College Granite State College offers 29 fully online bachelor’s level degrees that may be completed at full-time, part-time, or accelerated rates. Program offerings are comprehensive, ranging from digital and social media, to nursing, to education. Granite State College is a liberal arts school that is part of the University of New Hampshire system, and offers the 10th most affordable per-semester tuition rate of programs surveyed ($4,575).

4. University of Central Florida


 Central Florida The University of Central Florida is a national research university that offers 20 bachelor’s level programs fully online. Online program offerings are comprehensive at the University of Central Florida, with a greater availability of humanities and social science majors than many other online colleges. Per-semester tuition is affordable as well, coming in at $3,270, the fourth ranked rate of programs surveyed.

5. State University of New York / OPEN SUNY


 SUNYOPEN SUNY is a collaboration between 19 State University of New York system institutions to provide high quality online degree-granting programs in a variety of disciplines. A full 50 bachelor’s level degrees may be completed entirely online, the second most of programs surveyed. OPEN SUNY also excels through the number of support services offered with programs, including day and night tutoring hours, experiential learning opportunities, and prior learning assessments that can accelerate your learning. Per-semester estimated tuition is currently $8,000, the 33rd most affordable of programs surveyed.

Must Read : Online College Courses 

Latest Online College Courses



Every entrepreneur can benefit from continued education. Whether you are just starting out and handling multiple roles within your company or an experienced business owner -- enrolling in an online course is always a good way to improve your knowledge and has never been easier or more affordable.

Must See : What Is the Maximum Student Loan Limit

Long gone are the days of taking evening classes at local colleges and paying tuition. You can now take excellent courses in the comfort of your own home for free.

Here are ten free online courses that every entrepreneur can benefit from.

1. 21 Critical Lessons for Entrepreneurs

This two-hour video course by Docstoc CEO Jason Nazar takes his real-world experience and breaks it into several video lessons that discuss all the important steps of running a successful business, from vetting an idea and raising money from investors to scaling and growth strategies.

There are a lot of coaching and training programs online that are put together by individuals that don’t have real business experience. They make their money by teaching and not by doing. Nazar’s insight is truly valuable because he has been there. He has used the information he is sharing to grow Docstoc into a successful business.

More information about this course can be found here.

2. New Venture Finance: Startup Funding for Entrepreneurs

Some entrepreneurs prefer not to seek outside funding, opting to bootstrap -- but the majority of startups would welcome funding with open arms if they knew how to secure it. This is what this online course from the University of Maryland covers, as professor Michael R. Pratt explains what you need to do in the early stages of your business to prepare for funding, where to source funding, how to pitch investors and venture capitalists, as well as how to close funding.

There is a lot more to the process than putting together a business plan and a pitch deck and firing it off to any investors or VC that you can find. Part of being successful is being prepared -- and this course helps entrepreneurs be prepared before going after funding.

More information about this course can be found here.

3. Introduction to Web Development: HTML

Every business has an online presence these days, meaning every business has a website. Some tech startup founders are very computer savvy and can write code in their sleep. Other business owners, such as a restaurateurs or retailers, might not have the same knowledge and experience. So what do entrepreneurs do that don’t have a coding or programming expert on their team? They pay ridiculously high rates to companies to make simple website changes.

A lot of the small changes and tasks can be completed in-house with just a little HTML knowledge -- exactly what this course delivers. You aren’t going to become a world-class developer after taking this, but you will have a thorough understanding of how to create HTML web pages and make changes and edits to existing pages.

More information about this course can be found here. 

4. Scaling Operations: Linking Strategy and Execution

This course from the Kellogg School of Management at Northwestern University is a five-week lesson that shows you how to correctly build an operation that is both stable and scalable. There isn’t a single entrepreneur that starts a business hoping to stay small.

The two professors, Gad Allon and Jan Van Mieghem, cover everything from the correct framework, marketing, outsourcing and strategy required to scale efficiently and successfully.

More information about this course can be found here. 

5. How to Make Money Online: The Passive Income Business Plan

My company brokers the sale of online businesses, so I understand firsthand how lucrative online-based businesses can be. This course lays out a simple, yet effective, way to make money online. The goal of the 12-hour video course is to explain how to execute a plan to make $5,000 in monthly passive income by creating 10 websites that each produce $500 in monthly revenue.

While this is a basic introduction to online business, it does provide helpful information for entrepreneurs that have contemplated starting an online business but weren’t sure how to start. It’s a good first step for those interested in making money online -- as are these online business models.

More information about this course can be found here. 

What Is the Maximum Student Loan Limit

Loan Limits

lamp-papersHow Much You Can Borrow
Alberta and Canada student aid is calculated to help you meet the basic costs of learning and living. Because loans are investments you repay after you finish or leave your post-secondary studies, it is in your best interest to borrow only the money you need.

Annual Loan Limits

The Student Aid Alberta 2015-16 Annual Loan Limit is $7,500 per semester. This includes the amount you may receive in Canada student loans. Students taking graduate or specific programs of study with additional costs may be eligible for higher loan limits.

Lifetime Loan Limits for Full-time Students

The following table shows the maximum amount of Student Aid Alberta funding you can receive over your lifetime. If you repay some or all of the loans, you may be eligible to receive additional loans up to the maximum for your specific credential or program of study.


Up to $60,000 may be for either Commercial Aviation Training (maximum of $15,000 for each of four approved fixed wing training components) or for Commercial Helicopter Training.
If you reach these Lifetime Loan Limits, you may still be eligible for Canada student loans.

Maximum Loan Limit for Part-Time Students

Part-time students may receive up to $10,000 in Canada student loans.

Thursday 31 March 2016

California Legislature approves $15 minimum wage increase, will be highest in the US

California wage raise increase, $15 minimum wage

California lawmakers approved a sweeping plan on Thursday raising the minimum wage to $15 an hour over the next six years. This will be the nation’s highest statewide minimum wage and it will take effect by 2022.

The Assembly passed SB3 with a 48-26 vote. The the Senate voted 26-12, people cheered the move and "Si se puede" can be heard from the gallery above. The legislation now goes to Gov. Jerry Brown, who is expected to sign it into law after previously working out the plan with labor unions. Brown will sign the wage hike into law in Los Angeles on Monday.

Democrats who control both legislative chambers in California praised the move as a boon to more than 2 million of state’s poorest workers. Opponents complained it was rushed and did not include a wide group at the negotiating table. Business owners and economists fears that the yearly increases will be tied to inflation and will make California hostile to business.

The state of New York was considering a similar move.

Under the plan, California's hourly minimum wage would increase from the current $10 to $10.50 on January 1. Businesses with 25 or fewer employees would be given an extra year to comply. Increases of $1 an hour would come every January until 2022. The governor could delay increases in times of budgetary or economic downturns.

California’s current $10 an hour minimum is tied with Massachusetts for the highest among states. Los Angeles, Seattle and other cities have recently approved $15 minimum wages, while Oregon officials plan to increase the minimum to $14.75 an hour in cities and $12.50 in rural areas by 2022.

In New York, Gov. Cuomo and state lawmakers continued to negotiate Thursday over Cuomo’s proposal to gradually raise the state’s minimum wage from $9 to $15 by the end of 2018 in New York City and by mid-2021 elsewhere in the state.



Wednesday 30 March 2016

Sell Annuity Payment



Five million individuals will have the capacity to transform their annuity pots into an a money single amount from April 2017, the legislature declared today.

Rather than getting regularly scheduled installments from an investment funds pot, existing beneficiaries will have the capacity to offer their annuity to get their hands on all the cash without a moment's delay.

Pastors said individuals who had put something aside for their retirement ought to be 'trusted to settle on the right choice for them'.

Rather than getting month to month benefits installments, beneficiaries will have the capacity to offer their annuity to get their hands on all the cash without a moment's delay, under changes by George Osborne

Chancellor George Osborne has guaranteed to make it less demanding for individuals to utilize their retirement supports how they like, rather than being compelled to purchase benefits arranges.

Annuities have been the center of developing discussion as of late in the midst of diving rates, and apprehensions that numerous individuals are ignorant that they could show signs of improvement arrangement by looking instead of staying with their current benefits supplier.

Uprooting the limitations on purchasing and offering existing annuities will permit retired people to offer the pay they get from their strategy without loosening up the first contract.

They will be allowed to either take the money as a single amount or place it into drawdown to utilize the returns all the more bit by bit.

New retirees have as of now been given the privilege to get to their benefits pots as opposed to being compelled to purchase an annuity.

Today the Treasury affirmed points of interest of permitting existing beneficiaries to additionally get to their reserve funds.

Financial Secretary Harriett Baldwin said there would be an exhaustive shopper security bundle to guarantee individuals settle on educated choices about their retirement investment funds.

It will incorporate a necessity for individuals to look for autonomous budgetary guidance before offering annuities worth over a set quality.

Financial Secretary Harriett Baldwin said there would be an exhaustive shopper security bundle to guarantee individuals settle on educated choices about their retirement investment funds

'For a great many people, staying with an annuity is the proper thing to do. Yet, there will be some who might welcome having the capacity to draw on that cash as they pick - the same flexibility we gave individuals drawing closer retirement in April this year,' Ms Baldwin said.

'Individuals who've buckled down and spared every one of their lives ought to be trusted to settle on the right choice for them and with the assistance of the controller we will guarantee these individuals have the right data.'

The arrangements won't loosen up the agreements made between annuity holders and their suppliers.

Rather, the progressions will permit annuity holders to get to the estimation of their annuity where they can locate an eager outsider purchaser.

The annuity supplier would keep on paying the annuity installments for the lifetime of the annuity holder, however the installments would be exchanged over to the new purchaser.

Gareth Shaw, head of buyer issues at Saga Investment Services, said: 'A huge number of individuals who get negligible salary from annuities they were compelled to purchase will profit by these new standards.

'Examination completed by Saga found that 58% of individuals who needed to offer their annuity were accepting such a little pay they could do nothing significant with it.'

Tom McPhail, head of retirement arrangement at Hargreaves Lansdown, said:

'This is welcome affirmation of a generally expected declaration, which will now give millions more annuity financial specialists more noteworthy adaptability over their retirement salary.

'Offering an ensured wage won't be ideal for some individuals. Access to market rivalry to secure the best cost and suitable data, direction and exhortation ought to guarantee that normal financial specialists are ensured and can make the most ideal utilization of their cash.'

Yvonne Braun, executive of long haul reserve funds arrangement at the Association of British Insurers (ABI), additionally said that offering an annuity is not something that ought not be done thoughtlessly.

She said: 'It's thusly key we see Pension Wise direction made accessible to cover this future business sector, and we bolster the augmentation of the prerequisite that clients get money related counsel when the estimation of their annuity is over a sure level.

'Getting the structure totally right to give insurance to shoppers will be essential on the off chance that we are not to save huge issues for what's to come.'

Donate Cars in MA

Donate Car for Tax Credit


GUIDE TO CAR DONATION TAX DEDUCTION

The donation of a car or other vehicle to charity is a significant charitable contribution, perhaps the largest many people will give in their lifetimes. Whether the primary motivation to donate is convenience or altruism, donors want to ensure that they receive the maximum tax deduction allowable.

Step 1: Choose an eligible organization 

The most important consideration when choosing a charity is determining its “exempt” status. To be eligible for a tax deduction, the car must be donated to a tax-exempt nonprofit organization, most commonly a 501(c) (3) organization created for religious, charitable, educational, scientific or literary purposes or for prevention of cruelty to children or animals. Religious organizations such as churches, synagogues and mosques automatically qualify
even without filing for 501(c) (3) status. To verify if an organization is tax-exempt, use the IRS
Exempt Organizations Select Check, call the IRS at (877) 829-5500, or ask to see the organization’s IRS letter recognizing it as tax-exempt

Step 2: Itemize deductions

For a car donation to be eligible for a tax deduction, the donation must be made solely for charitable or public purposes and the donor must itemize deductions (such as medical expenses and charitable donations) on Schedule A of IRS Form 1040. Those taking the standard deduction rather than itemizing will not receive a deduction for their donation. Generally, it is worth the effort to itemize
if the total of the itemized deductions for that tax year is more than the standard deduction one is entitled to. Quick tip: Whether itemizing deductions is worthwhile for you depends on the specifics of your situation. H&R Block offers a more detailed guide to itemizing versus taking the standard deduction. Always speak to your accountant or tax advisor for advice specific to your circumstance.

Step 3: Determine the amount of your deduction

The exact amount of your deduction is dependent on what the charity does with your vehicle and on the vehicle’s value. Let’s break it down. Now, for an important definition: what is the “fair market value” of the car? Fair market value is defined as “the price at which the property would change hands between a willing buyer and a willing seller, neither being compelled to buy or sell, and both having reasonable knowledge of all the necessary facts.” In other words, the price you could peasonably expect to get for the vehicle on the open market. This is not necessarily identical to the “blue book” value of thecar, as factors such as engine or body trouble or excessive wear could decrease the vehicle’s value and significant improvements might increase the value. Quick tip: You can use a vehicle pricing guide such as this one from Kelley Blue Book to determine your car’s
value based on its current condition.

Step 4: Gather necessary documentation

The documentation you’ll need to claim your deduction is dependent on the amount of the deduction.
≤$500
For a deduction of $500 or less, the IRS requires:
- the name of the charity
- a description of the donated vehicle
- a statement if goods and services were received, and their value.

$500-$5,000
For a deduction of more than $500 and less than $5,000,the IRS requires:
- the name of the charity
- a description of the donated vehicle
- a statement if goods and services were received, and their value
- Copy B of Form 1098-C OR a legal substitute
- If you are e-filing, Form 8453

>$5,000
For a deduction of more than $5,000, the IRS requires:
-IRS Form 8283
-Form 1098-C or legal substitute (such as the receipt from the charity)
-a written appraisal of the vehicle’s value.
The appraisal must be from a qualified appraiser and must be completed no more than 60 days before the donation. The cost of the appraisal cannot be deducted as a charitable expense, but it can be
itemized in miscellaneous expenses If you are claiming the fair market value of a vehicle that will be used by the charity for its own purposes or the charity will be making material improvements to the vehicle, the IRS also requires written acknowledgment from the charity describing how the vehicle will be used or improved and certifying that it will not be sold before said use or improvement. The IRS Guide to Vehicle Donations for Donors explains this in more detail.


Step 5: File tax return!

The tax deduction can be claimed in the year that the donation was given. Don’t forget to include all the necessary documentation, as outlined above, with your federal income tax return. Whether your car donation qualifies for a deduction on your state income tax return varies on a state-by-state basis. Check with your state tax department. Note: The tax benefit you receive for donating your car is
a deduction, not a tax credit. This means that the amount of income that the government will tax you on is reduced by the deduction amount, resulting in lower taxes for you.

How To Donate A Car In California

There are several things to bear in mind if you want to learn how to donate a car in California dmv without the risks. Few months ago, I have donated my car to charity and it went off without any major issues.  But I want to help kind people to ensure that their car donation will be as easy as mine.

How To Donate A Car In California dmv – Easy Tips

I have donated a car that I have been using for about five years. It is still in good condition and still drivable. However, I have learned that even old cars that are impossible to drive are still accepted by several charitable organizations as long as the parts could be sold. So, if you have old cars, don’t discard them yet to junk shops. Many charitable agencies insist that the vehicles are in good working condition however. I suggest that you select an organization that you recognize. I have selected to donate my car to a charity with national operations but has a center in California. I feel safer with this. Just be careful since there are organizations with names that sound the same.
I have noticed that there are charitable agencies that hire intermediary car donation companies to serve as brokers and to take care of the car donations. However, I think this is not a good option since the charity will normally get a small portion of the final cost of the car. The intermediary agency might keep the large percentage of the funds from the sale of the car for their overhead costs. I have chosen an organization that directly handles the donation from towing to auction.

How To Donate A Car In California? When I made my choice, I checked with the charity on how they would benefit from the donation. Some charities will use the car for their operations, some will sell the car to raise funds for humanitarian projects, and some will give the car to a needy family or individuals. For example, I have donated my pick up van to a charity that provides free transportation to poor farmers.

I had a friend who donated his car to charity only to find out that the charitable organization was just a scam. But that experience did not change my decision to donate my car. To protect myself from bogus organizations, I checked with BBB in California to verify the registration and the reputation of several organizations that I am planning to give out my car. I suggest that you stay away from charities with bad records and had any dubious transactions with car donations. Also make certain that the charity has the proper registration and has the license to operate in California. However, this is not needed if you are donating to a nationally acclaimed charity. Also check if the charity carries the tax exempt status for your tax deductions.

It is important to protect yourself in making donations. I am sure that your goal in learning how todonate a car in California is to help fund certain causes, so make it easy, fast, and right. 

The benefits of your car donation in California




Car donation is the better way to help & support to people who have to need without bothering himself. You are donate the car for remove the old car. It is good alternative for people who have old car by getting rid of an old useless vehicle. With this donation you are also help to other people.
There are no need to a better condition car for donation. Cracked or Broken cars may also donate. You have also other choice to donate money through your old car. There are many social company are make the auction of this type of cars and make the profit. The profit is use in social works. After the car donation you can get your donation receipt.
There are 20 percent of Poor families are not able to purchase the car. They are spent large budget of their income in transportation. Social companies provide them a car or money through your donation. The poor families are also happy through getting the car or money.
Other benefits of your car donation in California is free towing services offered. In this offer you are not required to take the car at Center for Car Donation. The Center Authorities providing pickup facility to you. They pick up the car from your home.
For the car donation you have to prepare some important documents like insurance & registration and if you do not have the title, the Center Authority provides you duplicate form of title. Donation center also give the facility for donate your car.
At the time of pick up the car the donation center give you the tax form which is very important for you because this tax form is provides tax deduction from your tax. You can ask the picker about the form filling. They are introduce to you about the tax form.
Donation of your car is one of the most rewarding work. When you donate the car, you do support the people who are poor & you shining other’s life by helping poor peoples.
There are many homeless family in California & their children are not able for go to school. By helping this type of peoples you get great blessings from the mouth of poor families.
Your thinking is better than other and your work of car donation will be blessings of God for you.

Donate Car to Charity California

Donate Car to Charity California


The act of donating a car to charity is one of the most rewarding things you can do. When you donate your car, you do more than just support a charity. You actually help to improve someone's life. To help a needy person, please donate a car to one of these respected charities inCalifornia.

Established in 1946 in Davis, California, Freedom From Hunger has been fighting chronic hunger and poverty in the world through innovative programs designed to help families achieve long term food security. Their programs are serving over 18 million people in some of the poorest countries in the world. They are both nongovernmental and nonsectarian and they have been given an A- rating from the American Institute of Philanthropy.

Teach for America works to ensure that children in low income areas get an excellent education. Less than half of the children in California are on grade level for reading and math, and it ranks 48th in academic performance. In the Bay Area, Teach for America has been providing great education for over 10 years. In Los Angeles, they have operating since 1990. Teach for America works to recruit leaders who work to expand educational opportunities in low income areas and then teach for two years in those areas.

The Guthy Jackson Charitable Foundation is dedicated to the treatment and a cure for neuromyelitis optica. NMO is a very rare disease that can affect the optic nerve and spinal cord. People with this horrible disease can develop vision loss, or weakness, numbness, and sometimes paralysis of the arms and legs along with sensory disturbances and loss bladder and bowel control. Although there are some treatments available a lot more research is needed to find better ones and a cure.

A Home Away From Homelessness is dedicated to supporting and nurturing the needs of homeless and formerly homeless children and families in San Francisco and Marin. Their homes provide a physical, emotional and spiritual break for children along with educational, social and recreational opportunities.

Family Builders believes that every child has the right to grow up in a permanent, nurturing family regardless of the child's age, race, ethnicity, gender, religion, sexual orientation, or medical, physical or emotional condition. Family Builders educates the community about the needs of waiting children, advocates on their behalf and places the children with permanent, secure families through adoption.

The car donation process is easy and the pickup is free. You can donate your car even it no longer runs or is in poor shape. You just need to have a title for your car and it needs to be where the tow truck can easily get to it. In return for your car donation, you will get a valuable tax deduction and a sense of pride knowing you have done a really good thing. For complete details on how to donate car, please call 1-866-4483487.

Have you recently purchased a new car and are having problems with your old one? You don't know where to park them? Well, one good way of disposing these old vehicles is to donate them. The best place for car donation is the state of California.

Car donation in California is a famous alternative for those who have old vehicles. Car owners can donate their vehicles including vans, cars, boats and other types of vehicles to a charity of their choice. This is one good way of getting rid of an old useless vehicle. In addition, you are able to help those who are in need without bothering yourself about what to do with that car.

The vehicle does not need to be in very good condition to be donated. In fact, broken down cars may also be donated. These centers would tow the broken cars for free. They will then fix these and auction them for a profit. The money earned from the auction will be given to the charity of your own choice.

Another way of donating automobile is by giving it to a poor family. According to the research done by Surface Transportation Policy Project (STPP), a non-profit agency, 20 percent of the American poor families can not buy a car. They are spending 40.2 percent of their budget with transportation expenses. STPP conducts a study about transportation alternative choices of Americans.

There are advantages in donating your ride in California. In other states, you are required to have the original title in order to donate. This is not the case here. In fact, as long as you are the legal owner of the car, you can still donate. The Center for Car Donations would provide you with a duplicate title form to be signed. On the other hand, car donors are entitled to a tax deduction. This is in accordance with the new tax law of 2005. In some cases, you are given a free vacation for your act of charity.

Another benefit of donating car in California is the free towing services offered. You're not required to bring the car to the Center for Car Donations. They are ready to pick it up especially if it is not in good running condition anywhere within the state.



You simply follow steps in giving out your car. First, prepare the vehicle. While it is not necessary for the car to be in good running condition, it would still be good if you make sure that it is presentable enough. Simply clean it and make sure you have nothing of your personal belongings left inside.

You also need to prepare all the important documents like registration and insurance. If you don't have the title, the Center for Car donation would provide you with a duplicate title form. After gathering all the documents to be transferred, make an online search for car donation companies that would facilitate your car donation. Make sure that the company is valid before submitting all the documents. This would prevent you from falling victim of scams.

When the car is picked up, the company would give you a tax form. This is important for you to avail of tax deduction. Make sure to file a notice of release of liability to a local Department of Motor Vehicle (DMV). Ask the people who picked up your car on how to fill out the form. Lastly, inform your insurance company that you donated your car to charity. Do this on the day you release your car. This is important for them so they can discontinue the insurance coverage.

Tuesday 29 March 2016

Top 10 Scariest Horror Films of All Time




When it came time to put together a top list of horror films, compiling this 'Best Of' list was relatively easy. Most of the films I've selected are mainstream frightfests that send goosebumps racing up and down the spines of even the most hardened horror movie fans.





1.  'The Exorcist' (1973)

2.  'Rosemary's Baby' (1968)

3.  'The Omen' (1976)

4.  'Poltergeist' (1982)

5.  'The Shining' (1980)

6.  'The Amityville Horror' (1979)

7.  'Alien' (1979)

8.  'The Sixth Sense' (1999)

9.  'Halloween' (1978)

10.  'The Changeling' (1980)



Thursday 24 March 2016

Theri Movie Unseen Picture Must See






Long-Term Care Insurance Are Too Expensive

Long-Term Care Insurance, insurance

If you check out the prices of today's long term care insurance, I'm sure you'll ask who can afford them? They are just too expensive for the regular working class like us.

Long-term care insurance policies pay back policyholders a daily amount for services to assist them with activities of daily living such as bathing, dressing, transferring (to bed, chair, etc), housework, shopping for groceries or eating. Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

In Pennsylvania, premiums have gone up as much as 130%, yearly rates have exceeded $8,000. So why are they so expensive? President of Rosenthal Wealth Management Group Larry Rosenthal said that nowadays, people are living longer and aren't necessarily living healthier. So insurance companies left the market since there are little or no profits and those that remain have increased premiums significantly to keep up with costs.

Here are some alternatives way to pay for Expensive Long-Term Care Insurance:

Short-term care insurance - this policy is like long-term care insurance, however the benefits are typically capped at one year. This policy is more affordable and they may also be available to older seniors or those who aren't otherwise eligible for long-term coverage.

Life + long-term care insurance - the combination of long-term care coverage and life insurance may help consumers avoid the type of rate increases currently being experienced in Pennsylvania.

Long-term care annuities - These annuities require a hefty upfront payment, but if you need long-term care, your overall cost may be lower than what you'd spend on insurance premiums.

Health savings accounts - For those who have an eligible high-deductible health insurance plan, a health savings account offers a way to put money aside tax-free for medical costs, such as long-term care.

Home equity - Retirees without significant investments may still own a valuable asset: their house. Tapping into home equity through a line of credit, taking out a reverse mortgage or selling a house outright are some of the ways people can use their property to pay for long-term care.

Pensions or Social Security - Depending on the size of your monthly payments and the amount of care you need, paying for services monthly out of a pension or Social Security benefit may be option.

Medicaid - if all else fail, and a person's income and assets have been depleted, the government will step in to pay for care. Medicaid won't pay for assisted living, but it will cover nursing home care and many states also pay for home health care services for eligible people.

Saturday 19 March 2016

Online Calculator

Online Calculator – a tool for a wide range of Internet users. Right on our site, you can use a powerful calculator on-line, which is currently one of the best. The proposed online calculator is capable of both simple and complex calculations on: logarithms, trigonometric functions, extracting roots, percentages, and more


The main advantage of Online Calculator – access to the calculator from any computer or mobile device at any time convenient for you! You can use it around the clock. You only need internet access! Another indisputable advantage is that the service gives this calculator for free and does not require user registration.

Top 5 Best Free Online Calculator Sites


1. ONLINE-CALCULATOR
Online Calculator. A Free Online Calculator, Quick and Easy, and Full Screen!

2. CALCULATOR
Online tape mortgage math loan finance scientific health sports & more calculators. Online calculators for everything. Some solve problems, some satisfy curiosity

3. CALCULATORSOUP
Online Calculator Resource. Calculators online for finance, math, algebra, trigonometry, fractions, physics, statistics, time and more. Use an online calculator for free, search or suggest a new calculator that we can build for free. Conversions and calculators to use online for free.

4. METACALC
Calculator – Metacalc. Metacalc is a free easy to use online calculator. For all your math problems, or for showing in front of a class.

5. THEOMLINECALCULATOR
The Online Calculator.

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News Update Every Minute In All Language


Top 5 Most Popular News Websites


1 . Yahoo! News

2 . Google News

3 . HuffingtonPost

4 . CNN

5 . New York Times

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Top 5 Best Free Online Map Service Sites

You’ll never need to fold a map again! Whether you’re looking for directions to a restaurant, a hiking trail in Indiana, a hotel in Nova Scotia or a historic map of the Confederacy, try an online map

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