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mytrustedcontractor · 5 years

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What Is a SEER Rating? Air Conditioner Efficiency Explained

Maintaining a balanced home comfort level is more complex than just hitting a few buttons on your thermostat. When it comes to making investments to improve the quality of your living space, it can be hard to balance your budget while trying to be energy efficient, all at the same time.

With summertime surfacing for the states of Kentucky and Indiana, homeowners are gearing up to make sure their AC units are in proper working order. Summers in this region of the country mean both heat and humidity, and it’s critical to be prepared. It’s important to make sure your AC unit is ready to run smoothly, all summer long.

Understanding your AC system and its SEER rating is a great place to start.

What Does SEER Stand For?

SEER stands for “seasonal energy efficiency ratio”. A SEER rating is determined by your AC unit’s average performance, or the amount of cooling it puts out per the units of energy it uses to do so. It’s important to remember that these ratings are not constant values, and should be viewed as maximum ratings of efficiency instead.

Put simply, the less energy used, the higher the SEER rating. The higher the rating, the greater the efficiency of your AC unit.

The minimum SEER rating for air conditioners begins at 13 SEER, and can reach up to 24 SEER. Understanding your system’s rating can be broken down further for better understanding:

Basic SEER 13-15: These are usually single-stage AC units. In order to be efficient, they must run on their highest setting most of the time. This means that they are probably louder than others, and may create “cold spots” in your home. It’s still a basic air conditioner, but it simply doesn’t perform to the level of a higher ranked model.

Better SEER 16-19: These models are designed to run at 65 percent capacity. This means they aren’t working quite as hard to create the same results. They are often quieter and use less energy. They cool the home evenly and are effective dehumidifiers too.

Best SEER 20-24: The best performing units are sometimes referred to as variable-capacity central air conditioning. These units can function automatically between 25 percent and 100 percent capacity to create the results you want. They are the quietest, most efficient, and best at creating a balanced temperature in your home.

Often, for AC units of higher ratings, homeowners can seek out a return on the investment put into buying a more expensive unit. Depending on the particular unit, homeowners can be eligible to receive tax credits and manufacturer rebates when purchasing a new air conditioning system.

My Trusted Contractor is proud to work with local contractors all throughout the states of Indiana and Kentucky, including the cities of Indianapolis, IN, Fort Wayne, IN, Jeffersonville, IN, Louisville, KY, and Lexington, KY. Find a local contractor for your next HVAC project!

Locating Your SEER Rating

Understanding your SEER rating is the first step in making sure you are choosing the most energy efficient unit for your budget and your home. Now that you know what it is, the next question you may be asking is “Well, where do I find it?”

We’re glad you asked.

There are a few different ways to locate your SEER rating. The easiest way is to check your condenser unit, located outside of your home. Many newer models of just about any brand of air conditioning unit will have a large, yellow sticker, labeled “Energy Guide”, on the side that will clearly state your unit’s SEER rating, along with a few other bits of information about your unit.

If your system’s yellow sticker is no longer legible due to age, weather, or other factors, try taking a peek at your air handler. Normally, your air handler is located somewhere inside your home, most commonly found in attics or garages. The air handler should also have a sticker full of information, including the SEER rating of your unit.

If all else fails, if you are able to track down the make, model, and serial number of your air conditioner, you can always contact the manufacturer for additional information about your SEER rating. Better yet, you can locate a local, certified dealer of your specific manufacturer’s products, and give them a call.

To see if My Trusted Contractor and our HVAC techs can help you with your SEER rating, simply locate the HVAC contractor nearest you, and give them a call today.

How To Calculate Your SEER Rating

If you’re not threatened by the idea of plugging some numbers into an equation, you can calculate your SEER rating all on your own. All you need is the right information. Follow our simple, five step solution guide, and you’ll have your SEER rating in no time.

Step 1:

SEER ratings are measured in BTUs (British thermal units) per watt-hour of electrical energy used in a cooling season. To find your air conditioner’s BTUs, check your system’s manual, or your Energy Guide sticker we discussed earlier.

Step 2:

While you’re scanning your manual or Energy Guide sticker, also make a note of the watts per hour for your air conditioner. This number will be used later during the calculation process.

Step 3:

Once you’ve gathered your systems BTUs and number of watts per hour, it’s time to start doing the math. First, we’ll calculate for the total amount of BTUs used during a typical cooling season.

Roughly, during the late spring and summer months (May – August), there are about 125 days, or 1,000 hours.

You’ll need to multiply the number of BTUs (the number you gathered in step 1) by 1,000 in order to get the number of BTUs your system has used during the cooling season.

Step 4:

Calculate the number of watts per hour used by multiplying the number you found in step 2 by 1,000. This will give you the grand total of watts per hour used over the entire cooling season.

Step 5:

Finally, divide the total number of BTUs (the result of step 3) by the total number of watts per hour consumed (the result of step 4) to determine your SEER rating.

Knowing how to calculate SEER ratings and understanding the relationship between these numbers and energy usage can help your home stay cool, your family be more energy efficient, all while snagging savings on your monthly electric bills.

Why Your SEER Rating Makes a Difference

Let’s cut right to the chase. Will purchasing or upgrading to a system with a 17 SEER rating save you more money than a 14 SEER rating AC unit would?

Well, if we’re being honest, the answer is no, probably not. While you would see some savings between the two systems, not including what you could also earn on tax credits or rebates, it’s important to remember that the technology that goes into producing AC units with higher SEER ratings also increases their cost.

The difference? And why we believe you should invest in a system with higher SEER ratings anyway? Because of the increased comfort level for your home and family, you’ll see as a result.

Higher performing equipment results in better temperature control and regulated comfort levels. The features that come with higher quality air conditioning units, and in turn, higher SEER ratings, are not working as hard, or starting and stopping as often.

One other important component to consider is that AC units with higher SEER ratings are made with higher quality in mind, meaning they don’t need major AC repairs, replacements, saving you the cost of maintenance when compared to a system with a lower SEER rating.

Partner With A Professional

If SEER ratings and all things air conditioning related are outside your realm, or you just want a second opinion, it’s always a safe bet to contact an industry expert.

When it comes to your AC unit and your efforts in being more energy efficient, the trusted professionals at My Trusted Contractor are here to help. All of our contractors are trained, vetted, and licensed, to guarantee our customers receive the most professional and qualified service available. Connect with a contractor in your area today for more information!

The post What Is a SEER Rating? Air Conditioner Efficiency Explained appeared first on MyTrustedContractor.com

My Trusted Contractor 950 E. Main Street Louisville, KY 40206 502-540-0316 https://www.mytrustedcontractor.com/map/ https://www.mytrustedcontractor.com/info/

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showlexsite · 4 years

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Tax Refund Anticipation Loans Return, But Who Is Spending the fee?

Can there be a free meal after all?

A unique variety of income tax reimbursement expectation loans is testing that age-old maxim, with supporters stating that free truly does suggest free and experts suggesting that the merchandise’ 0% interest levels are masking the specific expenses.

The loans — which can be found at two big chains that are national Jackson Hewitt and Liberty Tax provider, in addition to smaller income income tax preparers — enable consumers to get element of their income tax refund prior to its arrival through the irs. A number of the stores offering the loans focus on taxpayers that are low-income that are much more likely than wealthier customers to require their taxation refunds as quickly as possible.

Unlike an early on generation of refund expectation loans, that was driven to near-extinction by banking regulators, the most recent variation has been advertised as able to customers. Banking institutions as well as other loan providers provide you with the loans, but charges are now actually compensated by the income tax preparers.

A Louisville, Ky., community bank that had been one of the nation’s top refund anticipation lenders until it was essentially forced out of the business in 2012 https://www.speedyloan.net/payday-loans-ut among the lenders offering the loans is Republic Bank and Trust. It really is partnering with Liberty Tax provider along with other smaller preparers, billing them $35 for every loan that is approved.

Underneath the regards to their agreements with Republic, the preparers are forbidden from passing that price along to borrowers, that will usually currently owe a few hundred bucks in income tax planning charges. It is that twist — under past models borrowers typically compensated the loan charges — that includes made regulators much more comfortable with refund expectation loans.

“It is a product that obviously customers like and far want so, so we’re pleased that individuals’re in a position to provide it, ” stated John Ripper, the main danger management officer during the $4 billion-asset Republic.

For Liberty Tax provider, that will be providing the item the very first time in 2010, interest-free loans are a method to attract and retain clients, stated business spokeswoman Martha O’Gorman.

She argued in a contact that Virginia Beach-based Liberty doesn’t have to pass through the mortgage charges on to customers as the business expects the brand new income created from extra company to go beyond the charges being compensated towards the banks who supply the loans.

But customer advocates, after several years of battles over high-cost financial loans for taxpayers, are skeptical.

“These are advertised as free, ” stated Adam Rust, manager of research at Reinvestment Partners, a residential area development team located in Durham, N.C. ” At the exact same time, you understand, there’s nothing ever actually free. “

Rates within the tax-preparation company is opaque, customer advocates state. This will make it problematic for taxpayers to comparison-shop.

“Preparers might transfer these costs, or fee more, ” the nationwide customer Law Center while the customer Federation of America argued in a press release that is recent. “Since few customers have a strong price estimate before having their refund ready, these hidden costs can be difficult to avoid. “

Rust stated that Reinvestment Partners promises to share its issues in regards to the loans with federal banking agencies.

The early in the day incarnation of reimbursement expectation loans carried high costs that amounted to triple-digit percentage that is annual, and blossomed into a large company just before a crackdown by the banking regulators.

Back 2002, 12.7 million U.S. Consumers got among the loans, relating to information acquired by the nationwide customer Law Center. That number had fallen to 35,000 by 2014, after banks were driven out of the business.

The high-interest price loans haven’t disappeared completely, but today they’ve been to be had just by nonbanks, and just a scale that is relatively small.

Republic waged a multiyear fight with the Federal Deposit Insurance Corp. On the reimbursement improvements after the 2012 tax season before it stopped offering them.

Whenever Republic revived the short-term loan item, it offered training to tax preparers, who had been told which they weren’t to pass through across the $35 charge for their clients, in accordance with Nelson, the president of Republic Processing Group. He additionally stated that Republic monitors the fees charged by income tax preparers included in its review system.

Republic officials said they are able to perhaps perhaps maybe not talk about the bank’s communications along with its regulators in regards to the 0% interest item. The FDIC additionally declined to comment.

The zero-interest loans will vary through the higher-priced variation in a number of respects, beyond just their costs.

First, in the event that taxation reimbursement happens to be smaller compared to anticipated, the borrower isn’t accountable for the shortfall, based on a few organizations that that finance or market the interest-free loans. Beneath the old items, the customer could possibly be kept in the hook.

In addition, the reimbursement improvements are now actually available only in lower amounts than they was once. Taxpayers could previously borrow as much as $1,500. Today, both Jackson Hewitt and Liberty Tax provider are capping the loans at $750.

Along with Republic Bank, Liberty Tax provider can also be providing the 0% interest loans through MetaBank in Storm Lake, Iowa.

MetaBank is controlled by the Office regarding the Comptroller associated with Currency, which final August circulated guidance that is new income tax refund-related services and products. The guidance states that banks should implement effective settings and review requirements to promote. It states that banking institutions should provide training programs that address regulatory needs.

Toni Cranny, a spokeswoman for MetaBank, would not react to questions regarding how big the charge that the $2.5 billion-asset bank costs, or around any monitoring by the financial institution.

Jackson Hewitt, another large tax-preparation string, provides refund improvements through first cash Center, a nonbank loan provider in Hurst, Texas.

“Our costs for income income tax preparation begin at $48 on the basis of the complexity associated with taxation return, and costs are similar perhaps the client gets a reimbursement advance or otherwise not, ” Parsippany, N.J. -based Jackson Hewitt stated in a emailed statement.

“Jackson Hewitt absorbs the cost of the reimbursement advance as an advertising cost instead of other promotions, and it’s really been extremely effective. “

Another loan provider in the market is Santa Barbara Tax items Group, a division of Green Dot Corp. The firm charges income income tax preparers $35 for every finished loan, that are absolve to customers.

The business said in a contact it monitors income tax planning costs “through different means” but failed to provide examples which are certain /

Source: https://showlex.site/2020/03/27/tax-refund-anticipation-loans-return-but-who-is-3/

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wikitopx · 4 years

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Here are the best cheap hotels in Kentucky!

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1. La Quinta Inn & Suites by Wyndham Lexington South / Hamburg

Nice clean room and nice staff. All very helpful and kind. Breakfast is your typical hotel breakfast but it's all well and nicely displayed. We will be stopping again soon. It is also a bonus that welcomes our small dog. Looking forward to our return.

2. Country Inn & Suites by Radisson, Lexington, KY

The hotel is clean and up to date. Great prices with a special winter for Radisson members. The bed wasn't the most comfortable ever but it was fine for one night. All the cozy touch in the hotel is excellent, such as biscuits and bottled water upon check-in. We will probably stay here again!

3. Country Inn & Suites By Radisson, Erlanger, KY

Terri at the front desk is a wonderful woman !! She can handle even the rudest customer - which I overheard her do!! She was tactful and discreet. Our room is very clean, we don't feel walking around barefoot like in some other hotels.

Breakfast completely out of this world for a hotel chain. The variety is excellent and can suit any flavor. The employees are all very nice and professional. I love the fact that the hotel is pet-friendly also.

4. Hilton Garden Inn Louisville Downtown

The room is super clean and super large at a really good price. Our only detail is in our room, a fireplace or air conditioner is placed in the closet and it's noisy at night. So if you are a light sleeper probably recommend not asking for room 317.

Other than that experience and great staff!

5. Country Inn & Suites by Radisson, Georgetown, KY

This hotel is better than the 4th but it is showing its age a bit. Everything else was outstanding. The furniture and carpet were worn a bit and the mattress was pretty hard. Nice large rooms with an excellent sitting area.

Good work desk with plenty of outlets. Great hot breakfast. Friendly staff. Parking was just OK. Pet-friendly with a service charge. Nice overlay.

6. GuestHouse Inn & Suites Lexington

My husband and I spent two nights work the Guesthouse on our honeymoon. We would recommend this establishment to anyone who needed room to stay in. The staff was extremely friendly and willing to help us in any way.

Very clean room and the breakfast was wonderful.

7. SpringHill Suites Louisville Airport

The staff makes the stay. People are very friendly and helpful. The hotel is a bit worn out and maybe using an upgrade, but it's still a great place to stay. The bed was very comfortable.

Breakfast is a typical free Jewish breakfast, so don't expect anything outstanding, just normal. Again, the staff makes the place interesting.

8. Comfort Inn & Suites

We are on the way through Lexington and need to stop at night and this is the exact point and it is located near the highway. We actually checked while we were driving, so they were waiting for us when we arrived.

Check-in was very fast and friendly, the room was very nice and clean, and breakfast was ready at 6 am so we could leave early. I slept well.

9. Best Western Louisville East

We found a coupon to discount hotels in the remaining area. As we head south, we find a coupon for the area we want to stop in the evening. We brought the coupon to the clerk and she said we could get a better discount with the Apeg or AAA card we have!

So it's great that our salespeople give us a better discount! Taxes up to $ 77.27! The room is very clean and respectable! The pool area is very full and the best part is the breakfast area!

It was one of the nicest we have ever been in and all the food choices were excellent! The lady who prepared the food comes in at 3:30 in the morning to get the food prepared for guests at 6:30.

I personally would suggest that they start breakfast at 5 or 5:30 for travelers who need to get up early for departure. She’s there that early anyway. I would certainly come back here again!

10. WoodSpring Suites Lexington

This place is by far the best place I'm ever stayed at. The staff is wonderful and very helpful. Thank you, Ms. Brenda and all her staff for being so kind and thoughtful. The best staff there ever was. We are all family here.

More ideals for you: Top 5 Cheap hotels in Quebec City

From : https://wikitopx.com/hotels/top-10-cheap-hotels-in-kentucky-711911.html

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captain-unlikelynutbouquet-blog · 6 years

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car insurance quotes online louisville ky

"car insurance quotes online louisville ky

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BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr

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If so, How much is it per month? How old are you? What kind of deductable do you have?? feel free to answer also if you do not have insurance.""

""I need a lot of dental work done and I don't have money for insurance, is there any programs or something I can sign up for?""

I was robbed at a job and got a tooth broke in half and I admit I never took care of my teeth as well as I should have, between our new baby and our bills I can't really afford Insurance or financing. i really just need a second chance, i feel like it holds me back from getting promoted and making a good first impression and id really like a better smile all around. is there any programs or something I can sign up for? I'd prefer for it to not be at the tax payers expense but I'm not above it. I live in california if that matters, thank you""

First time driver getting insurance quotes for 4.5k is this average?

Hi I've tried a few online companies for my husband he passed today and is trying to get insurance for a 1.1 Peugeot 206 2002 plate. He's 25 and this Is his first year with a driving licence but 4.5k seems unreasonable for 3rd party fire and theft or am I justnout of touch anyone willing to share there quotes so I can get an idea if these quotes are average?

Cheapest motorcycle insurance?

I'm looking forward to getting a motorcycle and I was wondering what's the cheapest insurance you can get. I'm not looking for companies at the moment, I just want to know what's the cheapest plan for almost any insurance company. .""

What is a good health insurance? I need help please!?

I just turned 18 and am looking for cheap health insurances that cover well! I'm trying to get on social security disability, because I'm really sick all the time. I'm actually in the hospital right now on my phone!! But until they approve me I need good health insurance! PLEASE!! There's this $5.00 a day health insurance, is that alot????? I just don't know any comparison. Thanks.""

What kind of life insurance do I need for my mom?

My mom is already in life insurance but I want to know what kind of life insurance that is affordable to pay for by the month. We are not expecting her to die anytime soon but we want to be prepared?

Cheap car insurance?

i am trying to find car insurance that is cheap. i have tried geico and progressive and all the major ones. does anyone know of some off the wall cheapies?

Is it true that the color of your car influences your insurance rate.?

Does having a nissan 350z as your first car and a new driver added gonna make the insurance go up?

their are 3 drivers in my family and the insurance is like 200 i think would the bill go way up if a new driver is driving a 350z?

How to reduce payments for young car driver insurance ?

how to minimize it ?

Car insurance__________________?

How much do you pay for car insurance? (in a year), mine is going to expire in november (november, 30) when I am supposed to go to the agency to renew it? Can I go for example on november 1st?""

What is the average cost of car insurance?

What would happen if I stopped paying my car insurance ?

I have full coverage auto insurance. Times are really tough for me right now and thinking about not paying my insurance. I have full coverage bc I took out a loan. Could my loan office find out too and lose my car? I'm stressing very much.

Where can I find affordable health insurance for me and my family?

How can I find affordable heatlh insurance for me and my family? We are currently unemployed with no health insurance.

Car insurance help!!?

ok, im trying to get the cheapest insurance possible. i am 18, i have over a 3.5 in high school, i took drivers ed, and i have never had any problems with the law. oh and if it matters i live in oregon so which car insurance company will be the least expensive?""

car insurance quotes online louisville ky

Proof Of Car Insurance?

I never owned a car, nor have I need to car insurance. I see I need Proof Of Insurance, How can I bypass proof of insurance when registering/buying a car from a dealership, etc?""

Insurance on 04 STi.?

I am 17 year olds. I have Driver's ed, safety ed courses, and good grades. How much would insurance cost for me?""

WHERE I CAN FIND A CHEAP CAR INSURANCE IN LONDON?

I'm looking for affordable health insurance.?

I'm 31 and I have a pre-existing condition (open heart surgery 2004). I take coumadin daily and get my blood checked every month at Jacksonville Heart Center. I'm looking to take another job with much better pay. The only problem is they don't offer health insurance yet. I've been quoted at $180-$190 a month that do accept pre-existing conditions. Is there anyone cheaper that is not just some fly by night company?

Which is the best renters insurance company in the cincy area?

What insurance rates do u all pay?

Just wondered what u all pay as i pay alot so does anyone else. Age -20 Sex -Male Car -Focus 2.0litre No mods Convictions-16 Month ban 3 years ago 1500 Anually

""Best insurance for my small business? im 25, non registered business 0-10 jobs per week.?""

Best insurance for my small business? im 25, non registered business 0-10 jobs per week.?""

Health Insurance?

anybody got any good advice am looking for health insurance my husband retires soon and we will need to get our own Health insurance. looked at blue cross and health partners but it so expensive anyone no anyone more affordable ty for any info.

""Car accident, neither driver has insurance?""

Was in a car accident yesterday. The other driver was completly at fault. He gave me insurance info, but has just informed me he was dropped due to lack of payment or something. I also have no insurance. YES, I KNOW ITS ILLEGAL TO DRIVE WITHOUT INSURANCE. IF THATS ALL YOU HAVE TO SAY MOVE PAST MY QUESTION!! What am I suppose to do? Do I need to try and get a lawyer and sue? My car was totalled,my hip is in a lot of pain, so is my bfs shoulder n back. The other driver is fine and had very minimal damage. Im at a loss, any advice would be.greatly appreciated""

""Why is it that despite public and private health insurance programs, some US citizens are without any coverage?

health insurance

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

What's a good homeowners insurance in California?

A friend of mine just bought a home for the first time. She wants to know if there's any recommended insurance for homes in California.. particularly Fresno, CA if anybody is familiar with any. Thanks in advance. Any suggestions or direction will do.""

Can someone help me figure out how to get car insurance?? Very confused :(?

This is my first time ever getting a car loan, making payments & getting insurance by myself & so far it's been frustrating & confusing!! If anyone could help steer me in the right direction it'd be much appreciated! --I'm originally from Arkansas. I moved to North Dakota with my man, got a job & started vehicle hunting. One of my friends up here, also from AR, had a truck close to getting on the repo list because he couldn't make payments anymore. This truck is registered in AR. So, I got a loan & bought his truck from him. I got this loan Oct 4th, a month ago. All I'm trying to do is register this truck, pay sales tax & get insurance. I understand I'm not ever getting the title but my bank will & when I explained that the title hadn't been sent to my bank yet, the dmv lady said I couldn't even get temporary tags?? Can I get insurance with the truck not being registered yet?? If it's not officially mine bc the title hasn't been sent to my bank. ???""

Nice cars with out the insurance?

first off what is the difference between a normal cars insurance and a luxurery car like a ferrari.second, i have $100,000 and im looking for a nice fast car, but i dont want to buy a ferrari or sumthing cuz of the insurance is a lot higher i heard. i was even thinking about buying a 2009 ford f150 and souping it up with rims and everything but i'd rather a car thats really nice. does anybody have any ideas for a nice fast car with normal insurance?""

""If a deer hits me, how fast can insurance get me a rental car?""

I have a 97 Ram 4x4, full coverage at geico (I'm on my parents insurance), $500 deductible. How fast can insurance get me a rental if one hits me, will it raise my rates, (I work 3-11:30 PM, and travel mainly back roads since there aren't many other ways to get home if it helps). I've been driving for 6 months.""

Car insurance helP?

I am going to turn 18 in february and am used to paying for my own stuff since i was 14.... i would like an estimate of monthly car insurance.. i'm a good student... and cost of registration and how often to I have to get it inspected? Any help would be appreciated

What should I do regarding my auto insurance situation?

I hit my dad's expedition with my Dodge Ram and caused about 1500 dollars in damage to my Ram, as estimated for parts and labor by a collision center, I hit the expedition's hitch which caused damage to me but barely a few scratches on the expedition. The expedition doesn't run, and is not even registered or insured. My dad is aware of the situation and has no interest in fixing his car and will not report me to the insurance or police. We have and still are on good terms. I have liability insurance, so it will not cover damage to my vehicle. My insurance policy expires in two weeks. What if I update my insurance with collision and comprehensive coverage that will cover my vehicle. Then I report that I hit an object and have them pay for it. Would this be cheaper in the short and/or long run than paying to fix out of pocket? Is such action above illegal, unethical, and/or against policy? I live in California and have Progressive insurance.""

Is insurance higher on certain cars?

Is insurance higher on certain cars like 2doors and red cars

What is the cheapest insurance company for georgia drivers under 18?

Insurance cost for drivers under 21?

For Car and Motorcycle. Don't need exact numbers, just a rough estimate.""

Why has car insurance gone up?

I insured a VW Polo about 3 months ago. I got a good quote of 41 a month. We moved house to better neighborhood, and I can now lock my car in the garage overnight. Also the car is now less in use as I have access to a newer car which I use for commuting etc. The polo is for when the family really needs to make two different journeys at the same time. A spare car if you will. Now my cheapest quote is 85 / month!!! WTF? Why has car insurance skyrocketed in 3 months?""

Cheapest company to insure young new drivers in England? and also cheapest cars?

This time its not for me, its for my boyfriend, he's 19 and really big and broad so he wouldnt fit in something like a saxo or 106 unfortunately :( Also first time driver looking for cheap old shitty car! Quinn used to be cheapest but now quote has gone up at least 1,000!! Probably would prefer to pay monthly and am looking for third party fire and theft. Hopefully would have legal cover I have been looking for ages but since i'm not 17 yet, me getting a car instead of him is out of the question although i know it would be cheaper Thanks! :)""

Need help finding helath insurance?

Looking to find a new health insurance policy, one that covers more, like office visits, lab testing, and prescription drugs. I'm 22 female from mn, employed full time, none smoker. Whats a good company?""

""California insurance agent icensing question: there are four categories: Life, Fire & Casuality, ....?""

Personal Lines, and Bail. What does a Personal Lines Broker-Agent do/sell? I think the Life agent can sell health insurance and life? Fire sounds like fire insurance (duh) but that Personal Lines throws me. Any help?""

Insurance Rates?

Does anybody know approximately how different insurance rates would be between a sports car like a mustang as compared to a convertible like a sebring? Im a 19 year old in a highly populated area(long island)...Im not sure if it matters but i have been driving two years and have never been in an accident.

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What is a good place to get auto insurance?

Are there any sites similar to travel sites where i can compare the best rates available to me

""How much will it cost to me, to be added to a friends car insurance. UK only please.?

Am going to start driving lessons in a few weeks and want to have practise on the roads between lessons. How much will it cost me to be added to a friends car insurance. We are both over 25 and she has held her license for over 15 years. She has a Matiz is that's any help!

Opinions on insurance plans please?

I would appreciate any opinions on health insurance. Blue Cross /Blue shield as compared to an HMO plan for example. The positive and negative of each. Thanks!!!

Car insurance for LHD car ?

Hi there, I want to buy 2001-2004 year freelander (left hand drive), then drive to my country and insure it. I need insurance what would cover for two months on UK roads. Do you know any insurance company what would offer as cheap as possible and the possibility to cancel my insurance after 2 months ? Regards, Ed""

What should i do with my insurance to test drive cars?

I am looking at a car tomorrow that i will more than likely buy. My insurance is comprehensive but says the driving of other cars extension is not included for any driver named on the policy I have phoned my insurance company Diamond and the guy said it would cost me 17.50 to insure the car for a day third party. I undestand that third party means if i bump someone my insurance pays for their damage but not for mine. If i decide to buy the car should i be getting fully comprehensive for the day?

Is there a way to find out someones insurance company only with their name and address?

i also have a license plate number. is there a website i can go to that i just type in someones name and their insurance company pops up?

Cars cheap on the insurance?

I will be buying a car soon and need advice on which ones are cheap on the insurance for the first couple of years. I like the Toyota Yaris and kind of had my heart set on one of those. Is this cheap?

Cheapest young driver car insurance?

Hi, I will be driving soon and know insurance is very expensive for young, new drivers. Does anyone know of any cheap insurance companies OR techniques of how to get cheap car insurance? Thanks.""

Should I buy a new car on interest free with free insurance or a second-hand car?

I have not owned a car in the UK, so have only had a full UK driver's licence for 4 years, although have driven in NZ for 14 years. Therefore, my insurance quotes have been in the region of 2 K. Was thinking of getting a new car to circumvent the hassle of looking for a second hand car and also to bring down my insurance the following year. Monthly repayments on a new car would be 200 on a 10 K car, or 3500 upfront for a second-hand car. Can someone give me a proper financial assessment and also the pros and cons of a second-hand and new car? Cheers!""

What's the purpose of insurance?

Job offer buyout insurance?

I just got a job offer for 40,000 with 75% benefits paid. Ill be living at home with my parents and im covered under their health insurance until im 26. Can I ask them to not pay for insurance and give me a higher salary instead? Has anyone heard of this happening? Thanks""

How much would a health insurance company charge to insure a 55yr. man with colitis?

Scooter insurance/plates/registration. How much?

Im moving to portland maine and my work is going to be only a few miles away, i have a jeep but i wana get a scooter for the lower gas milage and i always wanted a bike of some sorts. so how much am i looking at to buy a scooter insurance and everything else that is needed to start off? im thinking i probly gota get plates registration and insurance, anything else? also if anyone can post some cool scooters that would be nice, i want something thats prity fast and almost like a ninja bike. anyways thanks for the help guys =D ps. I know scooters arnt fast, i just want one that is a little faster than average.""

""What are some large health insurance companies, I am 23 and need to buy health insurance for the 1st time?""

Are there any good affordable plans, any recommendations will help, thank you""

""With regards to auto insurance, what does having a deductable mean?""

For example, if I have a $500 deductable, what exactly does that mean when claiming from insurance?""

Whats the different between Car Insurance and Breakdown Cover?

Thought It should be normally include in the Car Insurance.

When buying a car what detirmines how cheap insurance will be?

I am currently Looking for a new car and am trying to get the best rate for insurance as possible what features add to or detract from insurance costs thank you

Should I get $500 deductible or $250 on car insurance?

does it make sense to get higher deductible to save premium or is that a scam? clubny2007 coming soon

If I take out home/car insurance?

But don't declare a conviction for violence from 20yrs ago (when asked do you have any convictions ) would the insurance be void or if I declare would the quote shoot up

I need to find out what company offers affordable....PRIVATE INSURANCE...?

I am looking to buy private insurance for a short term. Does anyone know of insurance companies in Utah that offer affordable, decent health insurance for families?""

Got a dui an i need some insurance whats the law can i drive some ones car if they have insurance or what can?

Cheap motorcycle insurance?

I am an 18 year old male in southern CA and I wanna know what is the cheapest motorcycle insurance for a 2006 yamaha r6 (crotch rocket) and where can i find it?

How cheap would my insurance rates be?

A friend on mine had recent gotten a 99 Civic 2 dr and his insurance is 80$ a month. If i get a 94 Civic with 4drs, how much cheaper would it be going to the same insurance company, having a older year, and it not being a sports car? We are both 17. Also, How much do you think my rates would be for a 21 year old owning both a 95 Civic and a 2001 Corvette? Its kind of late to call the insurance company now so i want an opinion. =D Thanks""

Why is michigan car insurance so high?

I am a 21 year old female with no little credit but I have no bad credit. I rent an apartment and pay all my bills on time. I have a 2004 monte carlo ss that I paid 3500 for. This is ...show more

How come I went on geico for an insurance quote and it said 2000 and people say their's is 75 bucks per year?

Im 18, NY, Kawasaki ZZR600, taken riders safety course, any way to lower my insurance?""

car insurance quotes online louisville ky

https://www.linkedin.com/pulse/newark-ohio-auto-insurance-quotes-michael-jones/"

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omgtaxtwerk · 6 years

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instant tax service louisville ky

The National Firearms Act (NFA), 73rd Congress, Sess. 2, ch. 757, 48 Stat. 1236, enacted on June 26, 1934, currently codified as amended as I.R.C. ch. 53, is an Act of Congress in the United States that, in general, imposes a statutory excise tax on the manufacture and transfer of certain firearms and mandates the registration of those firearms. The Act was passed shortly after the repeal of Prohibition. The NFA is also referred to as Title II of the Federal firearms laws. The Gun Control Act of 1968 (“GCA”) is Title I. All transfers of ownership of registered NFA firearms must be done through the federal NFA registry. The NFA also requires that permanent transport of NFA firearms across state lines by the owner must be reported to the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF). Temporary transport of some items, most notably suppressors, do not need to be reported.

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joeslawncare-blog1 · 7 years

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5 Tips for Starting (and Growing) Your Lawn Maintenance Business

Today, we’re going to look at 5 things to consider when starting your own lawn maintenance business. This is not an exhaustive list – feel free to add your own thoughts in the comments – but are seven things that may often be overlooked. Let’s get started:

1. Identify Your Goals. Create a Mission Statement

The first step is to identify exactly what you want to accomplish with your new lawn maintenance business. Exactly why are you starting it like Lawn Care Louisville? Do you want to work part-time? Full-time? Manage a team? How big do you want to grow? Are you prepared to manage the business aspects – invoicing, taxes, legal, sales and marketing? Also, what differentiates you from the competition? Do you have monetary goals for Year 1? How about Year 5?

As you start defining your goals, start thinking about creating an internal mission statement that helps you clearly define who you are and why you’re creating this business. Your mission statement should be designed to help you give a purpose to your business. It may sound like a waste of time and a little bit too corporate, but every time you make a decision, you can look at your mission statement and ask “Am I living up to my mission?” And remember that, like the Constitution, your mission statement can be a living, modifiable document.

2. Identify Your Target Market

According to the Lawn Care Louisville KY Identifying your target market is based in part on your goals and mission statement. Are you targeting corporate office lawn maintenance? Are you going to maintain lawns in your neighborhood? Are you going to open a chain of lawn maintenance businesses throughout the Midwest? If so, what niche are you looking to fill? Do you want to be the low-price leader like Wal-Mart? Do you want to go organic like Whole Foods?

Your target market is just that – the people you plan to target with your marketing efforts. What does your ideal client look like? Many marketers choose to develop something called a buyer persona – a short paragraph or two – that provides a snapshot of what your ideal buyer looks like.

3. Choose Your Equipment Wisely

You wouldn’t go to a gunfight without a gun, right? Once you’ve developed goals, a mission statement and identified who you’re selling to, it’s time to start buying the tools you need to run your business. So how do you choose? First, consider your goals and the types of services you plan to provide. Target equipment that is going to help you get things done faster (so you can do more jobs), professionally (so you provide a quality product) and that requires minimal maintenance (so you can limit the amount of time and money you spend on repairs and/or new equipment). Remember to think about total cost of ownership as opposed to the initial price. Just because a mower has a cheaper purchase price doesn’t mean it’s the best solution.

So how do you choose equipment? The best advice of the Louisville Lawn service is to network with your peers, talk to dealers and leverage the power of the Internet to get a feel for what equipment is best. Also think about what type of guarantee/warranty is included in the equipment, what kind of customer service the dealer has and how easy it is to obtain replacement parts.

4. Start Pounding the Pavement

In the past, one of the best ways to generate customers for a lawn care business was to simply pound the pavement by getting out and talking to your target audience. That’s still a great way to drum up business, but it’s 2012, so don’t forget to use modern technology to add scale to your marketing efforts.

For example, our partner Lawn Care Iroquois has a great solution that enables you to pay a couple dollars per property to get measurements, measurements you can then use to send a personalized price quote to potential customers without ever having to visit their property. It’s a real time – and money – saver that can help you quickly and easily build a customer base.

Whatever route you take, make sure you act like a professional business. It’s worth spending some money on a basic website, a basic logo/brand and things like business cards, local advertising and giveaways like calendars/pens/sticky notes/magnets etc. These items can not only help build brand awareness, but also ensures your first impression is a positive one.

5. Measure. Learn. Grow.

We sell field service software, so this one is near and dear to our heart. You can’t improve your business if you don’t have metrics that you use to determine how your business is performing. We highly recommend that you invest in field service software – ours costs as little as $99/month – that can help you manage your client and prospect information, quickly and easily schedule jobs, seamlessly transmit to and collect data from the field, and automate your billing.

But professional lawn servicecs like ours goes beyond improving your business workflow. It also allows you to collect data that can help you make smart business decisions. Are you quoting too little for a specific property because it takes longer than you initially thought? How many jobs per day can you perform? Can you route your crews more efficiently to save time and money? You can answer these questions – and many more – by analyzing the data your business naturally collects.

#Louisville Lawn Care Louisville Snow Plowing Louisville Landscaping Lawn Mowing Edging Trimming Blowing

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hottytoddynews · 7 years

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Joel and Henry Miller – Photo courtesy Ravine/Facebook

The Miller family is in our thoughts and prayers as they begin to cope with the loss of their 9-year-old son, Henry, who passed away after a tragic car accident.

The Oxford Police Department released the following information regarding the accident:

“At approximately 4:25 p.m. on Sunday, March 12, 2017, officers were dispatched to the Emergency Room at Baptist Memorial Hospital-North Mississippi. Dispatch reported that a young boy, Henry Miller, 9 years old, had been struck by a moving vehicle and was being transported by his parent’s car to the Emergency Room. Henry had climbed into the driver’s seat and inadvertently put the car in neutral. As the vehicle began to back down the driveway Henry attempted to exit the vehicle, but was unable to escape the wheel’s path. When officers arrived Henry was in critical condition. After an unrelenting effort by the emergency staff, he succumbed to his injuries and was pronounced dead at the hospital.

The accident took place on Whippoorwill Lane, there are no other injuries and no charges pending. The Oxford Police Department would like to extend our deepest condolences to the Miller family. We ask that everyone please respect their privacy during this time.”

Henry’s parents and Ravine owners Joel Miller and Cori Benefiel took to Facebook to reach out to the community together in an effort to remember their son.

Henry was a student at Della Davison Elementary school. The school posted this memorial photo yesterday to express their condolences to the family.

A full obituary has been released from Waller Funeral Home where visitation and funeral services will be held.

Henry Benefiel Miller, 9, passed away on Sunday, March 12, 2017. Visitation will take place on Wednesday, March 15, 2017 at Waller Funeral Home from 4 to 6 p.m. The funeral service will take place on Thursday, March 16, 2017 at Oxford University-United Method Church at 11 a.m.

Born in Oxford to Joel Miller and Cori Benefiel, Henry was a larger-than-life, amazing child whose contagious grin and big brown eyes brought laughs and joy to many. He was a near-constant presence during the early years of his parents’ restaurant, Ravine, where he could be seen resting on Cori’s hip during service or throwing toys off the balcony.

He is survived by his parents; his younger brother, Louis; his grandparents, Gay Graeber and Jack Stubbs of Oxford, and Kathy Cooper of Memphis; his aunts and uncles, Kinzi Cooper of Indianapolis and Jordin Cooper of Memphis, and Liz Palmer and James Miller of Louisville, KY; and his cousins, Kieran Miller of Louisville, KY, and Journe and Joshua Simpson of Indianapolis.

Henry was an incredible reader — his love for books never ceased to amaze. To honor his passion, his family has set up an endowment in his name to preserve his literary legacy. Tax deductible donations can be made in the name of the Henry Miller Memorial Fund to the Younger Foundation at P.O. Box 40, Marks MS, 38646-0040.

For additional information or to sign an online guestbook, please visit our website at http://ift.tt/2ewDkD3 or call 662-234-7971.

For questions or comments please email [email protected].

Follow HottyToddy.com on Instagram, Twitter and Snapchat @hottytoddynews. Like its Facebook page: If You Love Oxford and Ole Miss…

The post Oxford Family Prepares To Celebrate Life Of 9-Year-Old Son appeared first on HottyToddy.com.

#hottytoddy #olemiss #oxfordms #oxford ms #mississippi #university of mississippi #the grove

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gregtayloraccounting · 2 years

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Small Business Tax Preparation Services in Louisville

Tax filing is a tedious task. Are you planning to file your tax by yourself? You should think once more and should consider choosing help for small business tax preparation. Choosing a tax professional will reduce your burden. A professional knows various ways to save taxes and the correct procedure to file them. Find a firm with experience in tax preparation in Louisville KY to reduce your worries about tax planning.

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nancyedimick · 7 years

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Short Circuit: A roundup of recent federal court decisions

(Here is the latest edition of the Institute for Justice’s weekly Short Circuit newsletter, written by John Ross.)

New on the podcast: Flashbang grenades, “Docs v. Glocks,” and D.C.’s sign code. Use iTunes? Click here.

Fannie Mae and Freddie Mac have long since paid back the $189 billion bailout that saw them through the mortgage crisis, but the now-profitable enterprises continue to turn over their profits to the Treasury (in exchange for the promise of future bailouts) rather than to shareholders. D.C. Circuit (over a dissent): Which is a state of affairs their conservator, the Federal Housing Finance Agency, had the unreviewable authority to agree to (though shareholders can press other claims).

Man commits fraud; his license to represent taxpayers before the IRS is revoked. But wait! He was never so licensed, which agents might have known if their records had been correct or if they had informed him of the disciplinary proceedings. (They sent notice not to prison, where they knew he was, but to his former business address, and it was returned unopened.) Man: The IRS harmed my reputation, owes me damages. D.C. Circuit: Not so. One doesn’t have a property interest in a license one never received. Concurrence: But if the IRS had barred him from preparing taxes (which does not require a license) upon his release, he’d have a solid claim.

Allegation: Pre-trial detainees in NYC facility were forced to stand for hours at a time in overcrowded cells caked with urine and feces, infested with insects and vermin. District court: No one was seriously injured and no one was held there for more than 24 hours, so there’s no constitutional violation. Second Circuit: Plaintiffs’ claims should not have been dismissed.

Man leaves the scene of a crime (arson resulting in death) in his van, repaints the van. A violation of the Sarbanes-Oxley Act, which prohibits altering a tangible object in order to impede an investigation? The Supreme Court recently held the Act only applies to objects capable of recording or preserving information (and so didn’t apply to undersized fish allegedly tossed overboard by a commercial fisherman), and the gov’t concedes that decision controls here, says the Second Circuit. (The man is still going to prison, however, for acting as an accessory.) Remanded for resentencing.

Allegation: New Brunswick, N.J., police drive their patrol car into fleeing suspect. Officers: We parked in his path, and he rode his bike right into us. Third Circuit: Video inconclusive. No qualified immunity.

There are over 100 million pounds of uranium in them thar Pittsylvania County, Va., hills (the largest known deposit in the U.S.), but the state prohibits mining it. Does federal law ban states from banning uranium mining? It does not, says two-thirds of a Fourth Circuit panel.

In Virginia, candidates for local office are not identified by their party affiliation on voters’ ballots, which purportedly furthers the state’s interest in preventing such elections from being overwhelmed by partisanship. Fourth Circuit: That interest outweighs any burden the law imposes on the right of association.

The Fourth Circuit, sitting en banc, holds that Maryland’s ban on “assault weapons” is not subject to strict scrutiny, reasoning that such weapons are not protected by the Second Amendment — and that, if they were protected, intermediate scrutiny would be appropriate and the ban would pass muster. (We discussed the original panel decision on the podcast.)

After conviction for credit-card fraud, Virginia man has his right to own a gun restored; he becomes a contractor for Department of Homeland Security and carries a gun at work. He moves to Maryland, which bars him from possessing a gun without a full pardon from Virginia’s governor. Fourth Circuit: Which is not unconstitutional.

After dust-up with another student, 12-year-old is taken to Tupelo, Miss., jail and subjected to a strip search and body-cavity inspection. Does the Fourth Amendment permit such treatment of juveniles? The gov’t couldn’t come up with a single example of such a search turning up contraband, says the Fifth Circuit, but plaintiff bore the burden of proving the policy’s unreasonableness, and she failed to carry it.

Texas legislators recently amended the state’s human-trafficking law in such a way that landlords, homeless shelters, and others who provide services without regard for immigration status fear they could run afoul of the law. Fifth Circuit: The law prohibits hiding people, not giving them a place to stay.

Informal group of White County, Tenn., parents want to spend less than $250 on lawn signs, stickers, and the like to support/oppose candidates for school board. They refrain after learning they must register as a political committee (and comply with a myriad of attendant requirements). Does the law impermissibly chill political speech? No need for a somewhat similar case to work its way through state court, says the Sixth Circuit; the district court can address the question now.

Medically frail man gets ride to the store from female acquaintance. Yikes! She flees from a police stop. The man calls 911, tells dispatch he wants no part of the chase and that he fears for his life. Pursuing officers are erroneously told that he has a felony warrant and is dangerous. Louisville, Ky., police eventually drag him out of the vehicle, breaking his leg and arm. Sixth Circuit: Qualified immunity for the officers.

Medically frail man is convicted of giving one OxyContin pill to a friend. He dies of starvation and renal failure 37 days after entering Indiana state custody. Seventh Circuit (2016): His family can’t sue. Dissent: Apart from the manner of his death, that corrections officials lost and did not replace his neck brace (that he needed to keep his head upright) and voice prosthesis means this should go to trial. Seventh Circuit (en banc): His family can sue. (We talked about the 2016 decision on the podcast, starting at 12:00, and, in an annual report, heralded the dissent as a sterling example of judicial engagement (p. 44).)

Suspects recruited by undercover agent to rob fake drug-stash house make incriminating statements while they’re in Chicago police van. District court: Suppress their covertly recorded conversation; there is a reasonable expectation of privacy in a police van. Seventh Circuit: Not so.

Over years-long period, Yolo County, Calif., sheriff repeatedly hugs a subordinate and kisses her once — in view of others. Ordinary workplace socializing or sexual harassment? Ninth Circuit: A jury should decide.

Last week, a federal judge certified four named plaintiffs to stand up for tens of thousands of individuals whose cars, cash, homes, and other property were threatened by Philadelphia’s civil forfeiture machine. Each year, the program reaps nearly $6 million from citizens, regardless of whether they have even been charged with a crime, and police and prosecutors use these proceeds to pay for salaries and other expenses. Such “policing for profit” violates the right to due process, and those who have suffered will soon get their day in court. Read more here.

Originally Found On: http://www.washingtonpost.com/news/volokh-conspiracy/wp/2017/02/27/short-circuit-a-roundup-of-recent-federal-court-decisions-44/

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wolfandpravato · 7 years

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Short Circuit: A roundup of recent federal court decisions

(Here is the latest edition of the Institute for Justice’s weekly Short Circuit newsletter, written by John Ross.)

New on the podcast: Flashbang grenades, “Docs v. Glocks,” and D.C.’s sign code. Use iTunes? Click here.

Originally Found On: http://www.washingtonpost.com/news/volokh-conspiracy/wp/2017/02/27/short-circuit-a-roundup-of-recent-federal-court-decisions-44/

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