Home Based Travel Agent, Become a Home Based Travel Agent, home

Home Based Travel Agent Information Center

Are You Looking for Information About Starting a Home Based Travel Business? Be sure to view the articles and video tutorials on exactly how to do it. This is a FREE training course that will give you everything you need to know.

Home Based Travel Agent Books : Here are the books that started it all. If you are looking for detailed information on how to start a home based travel agency, this is the place to start.

Host Agencies : If you are looking for a host agency, this is the place to find one. Check out the list of approved host agencies.

Home Based Travel Agent Article Library : Looking for information about starting, operating, marketing and numerous other topics. Search the article library for answers.

Home based travel agent

Read the November, 2017 issue of Travel Professional NEW S

Click HERE

Travel Professional NEWS! You will find past issues of our newsletter that I am sure you will find very informative. Be sure to SUBSCRIBE to the Travel Professional NEWS! Click on the above link to view the current magazine.

Travel Professional Community : If you are an established agent, you should join this free social community for travel professionals. It provides the support well over 12,000 home based travel professionals need.

Webinars On Demand For Home Based Travel Agents : Catch the latest webinars hosted by HomeBasedTravelAgent.com. These webinars are on demand and can be enjoyed at anytime.

Travel Professional Network : The Travel Professional Network is, without a doubt, the most current and complete on-line resource for travel agents! No matter what your travel business model or niche specialty may be, this site will prove to be an invaluable resource.

Education and Training : Today’s home based travel agent has an entire world of training at his or her fingertips. Here is how to access it.

Travel Business Scams : Learn how to avoid being scammed as you find your way into the travel business.

Frequently Asked Questions : Here are some answers to the most frequently asked questions.

Home Based Travel Agent

Home based travel agent

About Us

This site was developed by Tom Ogg Associates to give you information so that you can make good decisions while pursuing your goal of entering the travel industry, as a part-time or full-time home based travel agent. By investigating this site you will uncover tons of information other people want to charge you for. If, after exploring this site, you want to continue to pursue the idea, the next logical step is to buy one (or more) of my books. You will find answers to all of your questions (and those you haven’t even thought of yet) and will be prepared to open your doors with a successful business.

Finally, I get a ton of people that e-mail me with questions and thanking me for giving away what other people are trying to sell them. In my 40 years in the travel industry, I have found that the more I give away, the more I receive. So take advantage of the information you will find in this site and don’t spend a dime until you have thoroughly researched it. Once you have, you will be in a good position to decide if you want to proceed further into the travel industry or not. If you do, the next logical step would be to buy my books. I have made a very attractive offer on this complete package that you will find very motivating.

Best of Luck and enjoy your visit.

Home based travel agent

Join the travel industry’s largest and most active social community


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ETSETS – The Leader in Faith Based Travel, home based travel

Educational Travel Services

The Leader in Faith-Based Travel

Home based travel agent

Home based travel agent

Home based travel agent

Home based travel agent

Home based travel agent

Home based travel agent

Home based travel agent

Over 40 Years Partnering with Agents in Faith Based Travel

Since 1974, Educational Travel Service has been providing Travel Agents with excellent service and quality products for their clients. ETS has handled over 350,000 travelers to every corner of the globe on Faith-Based itineraries.

2018 Faith-Based Travel Guide

– Holy Land Tours beloved by over 10,000 pilgrims year

– Biblical Cruises with World Renown Guest Speakers

– Extraordinary All-Inclusive Programs

– Shore excursions and airfare included on most programs

– Women’s Retreats, Marriage Retreats and Family Cruises

– Church Heritage and Christian Europe Tours

Home based travel agent


See our gallery, view

many available tours or use videos to promote your tour.

Agents Corner

Become an ETS Agent and have access to training, FAMs, Marketing Material and more!

Find a Trip

Discover Holy Land tours, Biblical Cruises, Women’s Retreats and more!


EDUCATIONAL OPPORTUNITIES TOURS, INC. DBA: Educational Travel Services is registered with the State of Florida as a Seller of Travel. Registration No. ST24130 – CST2027682 – 40



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Software for the Home-Based Travel Agent, home based travel agent.#Home #based

Software for the Home-Based Travel Agent

I recently received two queries about software and the home-based travel agent that covered pretty much the same ground so, thinking that there are probably other folks out there with the same questions, I decided to provide an answer here so all can benefit.

Before, I launch into it, let me remind you that most questions (including these!) are answered on my FAQ page. Got it? Okay, let s dig in.

First, I got this:

1) Does your course suggest what kind(s) of software you will need to be a home based travel agency?? For example Reservations, business etc

2) How much would the software cost .

Then, from a Twitter follower, came this:

Is it wise to use a system like Sabre, when becoming a home based agent, or is it a waste of money?

First, let me say that you need no specialized software to become or function as a home-based travel agent. Let me repeat that, with emphasis added: You need no specialized software to become or function as a home-based travel agent.

You do, of course, need software. If you are reading this, you probably have all the software you need already installed in your computer. Things like a word processing program, a database program like Excel, an accounting program like Quicken to keep track of your income and expenses, an Internet browser, Acrobat Reader, and so forth. You might also have more advanced software for making videos or laying out brochures. If not, and if you feel you need them, you can get them.

All of the above could fall under the heading of general business software. But what special software do you need to be a functioning home-based travel agent. None!

But, but, but . . . I hear you say, What about all those slick ads from host agencies that say they ll give me all the software I need and train me to use it?

Well, host agencies have to make a living, too, and one way they do that is to sell software and training. The question is: Do you need it? In my opinion, the answer is NO, especially if you re just starting out.

For one thing, more and more host agencies provide sometimes for no additional fee online access (that is, through a browser window on you home computer) to simplified versions of the fancy-schmancy GDS booking software that their home-based agents can use. These are pared down WYSIWYG point-and-click systems that are so intuitive that no real training is required.

For another, more and more suppliers are offering booking engines that let home-based travel agents go online (again, through their browser and make bookings. There are hotel aggregators through whom you can book everything from budget motels to villas in Tuscany. With these systems, you don t even need a host agency if you follow the steps outlined in the Home-Based Travel Agent Success Course.

What about airline tickets? Those big GDS (Global Distribution System) programs like Sabre and the rest were originally developed to serve the airlines and the immensely complex of distributing and managing their tickets. If you plan on selling a lot of air, then at some point you will probably have to deal with one of these systems.

However, you can sell some air without them. More and more consolidators have online booking portals and a few, a very few, airlines let agents book online.

But I would encourage you to read the Home-Based Travel Agent Success Course before you make any firm decision on whether to sell air. In many cases, you can sell the air portion of a trip without dealing with the airlines at all and get a commission.

Oh, yes, did you know that airlines don t pay commissions? You ll have to charge a fee if you want to be paid for your work and that s a hassle. And airline tickets cause more grey hairs in travel agents than any other travel product. Trips get cancelled and dates get changed and weather delays require rebookings. Very few people are going to cancel a honeymoon on you or change the dates of an anniversary cruise at the last minute.

Here s another point: Wondering abut Sabre when you are starting out is putting the cart before the horse. You see the GDS you use is a function of the host agency you choose. To my way of thinking, it makes more sense to find a host agency that fits your needs and your style and learn whichever GDS system they use.

Now, of course, if you already know Sabre, it makes sense to seek out a host that uses it. No sense in learning a whole new language.

In the Host Agency Directory, a component of the Home-Based Travel Agent Success Course, I provide information on over 300 hosts and cross-reference them by which GDS they use (among a number of other factor), which makes it easy to narrow your search.

As to cost of GDS software, it varies considerably, but there is typically an upfront investment of several hundred dollars and then ongoing monthly payments for access and perhaps fees for training. So, obviously, the calculation that has to be made is will you be bringing in enough money in commissions to justify the expense? Yet another reason to wait. (The Host Agency Directory provides information on the cost of a GDS at hosts that offer one.)

Let me emphasize that I am not suggesting that you must never sell airline tickets or that you must never invest in a GDS. All I m saying is that I think you would be wise to put off that decision until you have a better understanding of the industry and a better feel for how your own business is evolving. Getting GDS software involves an investment of money, of course, but more importantly from my perspective in the time it takes to master it. There s no point in spending the money and the time only to find out you re not having any fun.

When the time comes for you to get a GDS, you ll know it. And for many people who take my course that time never comes because they have discovered that they can earn a a very good living without one, and that s all right, too.

So to summarize:

• Hold off on deciding whether you want to make booking airline tickets a part of your business mix.

• If, at some point down the road, you decide that you do want to book air, you will have enough experience under your belt to make an informed decision about how to go about it and, if you re smart, the Host Agency Directory to guide you..


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4 Work at Home Travel Agent Jobs WAHA #travel #socks

#travel agents jobs

4 Work at Home Travel Agent Jobs

There has always been a great interest in work at home travel agency related jobs. Maybe its the idea of being a part of world travel while never leaving your living room or that it seems like a true customer support type of job (rather than high-pressure sales). Regardless of the reason so many people are interested in work at home travel agent jobs, here are four places that regularly hire work at home agents to work in the travel industry.

Four Work at Home Travel Agent Jobs

1. World Travel Holdings or WTH

Work from home for World Travel Holdings verifying reservations. This customer service job requires 6 months of past sales experience and you must pass an  entrance exam. World Travel Holdings has been in business over 25 years. Many stand behind this company as a great place to work from home. Read more about this travel related customer service company here .

2. Working Solutions

3. VIP Desk

VIP Desk hires for a variety of customer support jobs with different brands. I often hear of them hiring travel agents to work as experts fulfilling reward redemption requests. Similar to Working Solutions, experience with Global Distribution Systems is a requirement to work as a Virtual Independent Travel Agent for VIP Desk.  While VIP Desk is a well-known and trusted company, there have been many who say their scheduling is not flexible at all. Additionally, the training period requires your full attendance and they decide the schedule. View VIP Desk s current job openings here .


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Freelance Traveller Home Page #worldwide #travel


Freelance Traveller

The Electronic Fan-Supported Traveller Resource

This web site is intended to be a resource where you can find information on all aspects of the Traveller science-fiction role-playing adventure system. We hope that you will find this site interesting and useful.

Download Freelance Traveller Magazine

You can download current and back issues of Freelance Traveller Magazine. The current issue’s cover is shown to the left.

Our Departments

Active Measures Adventures. There is one subsection, Getting Off The Ground . which contains adventure seeds in the standard Adventure Seed (scenario-plus-possible-solutions) format. Columns Regular columns by regular columnists. Our current active column is Timothy Collinson’s Confessions of a Newbie Referee . and past columns that you can still read include The Fifth Imperium . Shannon Appelcline’s guide to refereeing Mongoose Traveller, and Essay Question . where our readers can share their thoughts on various aspects of Traveller. Critic’s Corner Reviews of Traveller products, for our readers, by our readers. There are three subsections: LinkLooks . where reviews of Traveller-related websites may be found; Other People’s Toys . where we carry reviews of non-Traveller gaming materials of interest to Traveller players; and Off The Table . reviewing fiction that the reviewer feels has a connection to Traveller. Doing It My Way House rules , ruleset mixes, and modifications or extensions to rules. Any version of Traveller is fair game, whether currently in print or not. There are several subsections for different types of rules. In A Store Near You Goods that the player-characters might encounter as available for purchase. Some may be truly useful in a campaign; others are for color . There are currently four subsections: The Gun Shop Personal weapons. Not all of these will necessarily fit the normal definition of gun (e.g. grenades), but all will be weapons that a single person can carry and use. Handle With Care Items of all sorts that may present a hazard to the unwary character. The Promenade Describes the shops that the players might purchase goods in. For campaign color . The Showroom Vehicles of all types, all tech levels, for getting around when a spaceship or starship Just Won’t Do. Information Center This section is for non-game support of Traveller – software listings (and some downloads), pointers to other websites, news about publishers, product listings, and so on. Kurishdam Articles here will be for background color to a campaign, to give the setting depth. Has several subsections: Art and Entertainment Activities and entertainments that are often associated with culture , whether performance art like dance or opera forms, or fine arts such as painting or sculpture. At Home, We Do It Like This Descriptions of interesting local customs and traditions. Games People Play Descriptions of games and sports of all types. The Club Room Describes organizations such as religions, clubs, and lodges. Also used for racial, cultural, and societal profiles, similar to the series of Contact! articles in the original printed Journal of the Travellers’ Aid Society. Lecture Hall and Library Color articles written in a style that might fit well in an encyclopedia, collection of public or university lectures, or other scholarly compilation. The Lab Ship This section is for articles about real-world science, both established and cutting edge , that may be of use for adding verisimilitude to a campaign universe. Not for reprints of commercially published articles; rather, authors should discuss the science and provide some ideas and/or outlines of rules for incorporating the science into a Traveller campaign. Less Dangerous Game This section is for articles about animals that might be encountered in a game. Multimedia Gallery Artwork created by Traveller fans. May include still pictures, movie clips, music, and anything else that can be made available through the World Wide Web. Other Roads Describe your Traveller universe as a setting. Emphasis should be on the differences from the standard setting, and should be at the game level, e.g. allowed technologies, political alignments, different star maps, and so on. Variant rules for play, however, should be submitted for Doing It My Way. Raconteur’s Rest Traveller-based fiction. Can be pure storytelling, or novelization of an actual campaign. There is one subsection, Lost Diaries . where the stories are implied – and left unfinished – by a series of entries in a diary or log. The Shipyard Articles about starships and ship-related topics. Includes ship profiles, deck plans and pictures, and alternative technologies. Up Close and Personal Descriptions of individuals that could be encountered in a campaign, as patrons, opponents, contacts, rivals, allies, and so on.

Freelance Traveller is Fan-Supported

It says so at the top of every page: The Electronic Fan-Supported Traveller Resource . What that means is that the vast majority of our material is written by fans for fans. If you’re a fan, you can be part of it! Our submission guidelines tell how to submit material to us; what material you submit is up to you!

You can Help Us

Live Chat

Freelance Traveller sponsors a live chat room on the Undernet IRC network. This chat room is always open. More information can be found on our IRC Chat page .

Freelance Traveller is proud to be a member of


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Home – Sun Connections Travel – Cruises, LLC #mexico #travel

#sun travel

Welcome to Sun Connections

Travel Cruises, LLC!

See the world your way!

** No hassle, Travel Layaway Plan **

For Honeymoons, Destination Weddings, Vacations, Cruises, and Groups! Just ask us how!

Exotic tropical island vacations, luxury and adventure cruises, romantic getaways, honeymoon packages, safaris, and tours. You need a vacation and we re here to help you find that perfect trip.

Honeymoons or Destination Weddings – Need help with planning, reservations, group travel? We work with any budget, from car rentals to the whole package.

We can help with all of it. Call for an appointment for one-on-one consultations or planning.

Browse or search through our site (which is filled with the most comprehensive and up-to-date specials available) to see the wide variety of trips we offer and then contact us so we can help you narrow in on the perfect trip. We re looking forward to making your next trip a memorable and enjoyable one, so contact us today and get packing!

Future Travel Specials

Upcoming Travel Special flyer

Special Winter Cruise – November 15 – 22, 2015

Cruise Ports: New Orleans, Cozumel, Bay Islands/Honduras, Belize, Costa Maya, New Orleans

Special Spring Break (2016) Cruise – March 19 26, 2016

Cruise Ports: Galveston, Mahogany Bay/Isla Roatan, Belize, Cozumel, Galveston


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Travel Affiliates ~ Home #iceland #travel

#travel cheap tickets

Disney Ticket Perks

L ocated in the heart of the sunshine state, Walt Disney World is considered the #1 entertainment capital of the world. Disney offers a brand new fantasy world that guests from all walks of life can enjoy. With Disney Ticket Perks, now you can celebrate four spectacular theme parks with Magic-Your-Way Tickets. There is no other place on earth where you can both dream and have your dreams really come true. At Disney, indulge in amazing shopping, two incredible water parks, upscale dining, disney magic, theme-parks galore, and much more. No wonder lifes imaginable moments are made so much more special in the middle of Disney magic.

At the Magic Kingdom discover classic Disney Magic that you can believe in. There is never a boring moment at Disney as you save the galaxy with Buzz Lightyear, take a trip at Mickey’s PhilharMagic, set sail on Peter Pan’s Flight, and enjoy high-energy music while you Dream Along With Mickey.

Since we buy Orlando Tickets for theme parks in huge quantities. we are able to sell them at a discounted price. You can take advantage of our buying power and make some savings. The discount tickets that we sell are EXACTLY the same as the tickets you would buy at the gate – they are just cheaper .

You can order online 24/7. Our credit card ordering is state of the art and completely safe. We operate a zero tolerance to SPAM. The only email you will get from us will be about your order.

Unlike many Internet ticket sellers we don’t ask for 48 hours notice to process your order. We have tickets in stock. You can order today and pick them up today – no problem!

We are not shy about telling you our address – it’s right there on every page. You can buy from us with confidence.

Discount Disney Tickets

Disney Tickets will be high on your shopping list. Disney tickets are high on our shopping list too! We buy Disney tickets in bulk direct from Disney World.

A vacation to Orlando would not be complete without a visit to the Disney theme parks so we know that Disney tickets will represent a large chunk of your vacation budget.

We can offer discount Disney tickets with all options from 3 to 10 day tickets. We also stock one and two day Disney tickets but these Disney tickets are not discounted. Disney theme park ticket are called Magic Your Way.


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Sri Lanka Travel Guide – Home Page #cheap #rail #travel

#sri lanka travel


Welcome to SriLankaTravelGuide.com. your free internet travel guide to the tropical paradise of Sri Lanka!

Our goal is to help you plan the perfect trip to this beautiful island!

Inside you will find lots of tourist information. as well as our extensive photo gallery of Sri Lanka!

If you are planning your first trip to Sri Lanka or you will be a return visitor, we hope the information that we provide is helpful!

If this is your first visit to our site, be sure to view our photo gallery as you will see the wonders that await you on your trip to Sri Lanka!

If you are looking for general information on Sri Lanka (including air travel information, time and weather information, embassy information, as well as other helpful information and our photo gallery), please go to the GENERAL INFORMATION section below.

If you are interested in information on a specific area of Sri Lanka, click on the area listed in the LOCAL INFORMATION section below. You will find photos, hotel and restaurant listings, entertainment listings, shopping information and sightseeing other tourist information for that particular area.


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Travel agent work from home jobs, employment in the USA #cheapest

#travel agent jobs

travel agent work from home jobs in the USA

Contracts Manager NST Travel Group Work from home

United Kingdom – USA

Full driving licence and confident driving in non UK destinations (Europe, USA etc) P Ability to work with minimal supervision P Travel. To successfully negotiate contracts for accommodation, visits, and other ancillary / ‘in resort’ services with Travel Industry Suppliers.

www.bullhornreach.com – Oct 10

Home Based Business_Travel Agent(FT/PT)

Bumpers Elite Travel_Paycation – Bowie, MD

which will lead you to becoming a Certified Travel Agent .You will earn a 75% commission on the payable commission from any travel booked by you. Travel. global travel company. Based out of Dallas,Texas. We are one of the top providers of travel with Priceline. We are a host travel agency.

www.getcustomerservicejobs.com – Nov 12

Home based travel agent/planner Disney focused

starts with a wish travel, llc – Jackson, MO

Starts With A Wish Travel. LLC is looking to add to our team of agents/planners. We specialize in all Disney destinations. You will be working from home as an independent contractor booking/planning magical Disney vacations If you love all things Disney, are considered the “go.

www.gettravelagentjobs.com – Nov 11

Travel Agent Home Office

RE – Columbia, MD

Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax Benefits. From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the ‘Baby Boomer.

www.getcustomerservicejobs.com – Dec 1

Home Based Travel Agent

mytravelpaycation.com – Nashville, TN

With Ongoing Monthly Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax. Benefits From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the.

www.gettravelagentjobs.com – Nov 23

Home Based Travel Agent

mytravelpaycation.com – Moody, AL

With Ongoing Monthly Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax. Benefits From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the.

www.gettravelagentjobs.com – Nov 23

Home Based Travel Agent

mytravelpaycation.com – Decatur, GA

With Ongoing Monthly Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax. Benefits From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the.

www.gettravelagentjobs.com – Nov 23

Home Based Travel Agent

mytravelpaycation.com – Knoxville, TN

With Ongoing Monthly Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax. Benefits From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the.

www.gettravelagentjobs.com – Nov 23

Home Based Travel Agent

mytravelpaycation.com – Los Angeles, CA

With Ongoing Monthly Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax. Benefits From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the.

www.gettravelagentjobs.com – Nov 23

Travel Agent Home Office

RE – Baltimore, MD

Residual Income Enjoy Amazing Discounts Only Available to Travel Agents Work From Home On the Internet Take Advantage Of HUGE Tax Benefits. From A home Business The travel industry represents the greatest business opportunity to come along in the last 100 years. Because of the ‘Baby Boomer.

www.getcustomerservicejobs.com – Nov 3

Work-from-Home Customer Service Agents Needed- 75 Openings

Golden, CO – $10.00 per hour

Kelly Services is currently seeking applicants for WORK -FROM-HOME Customer Service Agents throughout Colorado. Customer Service Agents. Ability to travel to Lakewood, CO for a two-week mandatory training session Ability to work overtime, weekends, evenings and holidays The equipment.

www.barefootstudent.com – Nov 25

Princess Cruises – Santa Clarita, CA – $10.00 per hour

www.beyond.com – Nov 22

Work From Home Reps – Insurance Agents

FAHT – Virginia – Charleston, WV

There is no travel or relocation, you work from home. This is a great opportunity to build a career in the healthcare industry. Make 120. you’ve always wanted. You will be working independently. This will be a telecommuting position.Duties will include heavy inbound & outbound phone work.

www.gettelemarketingjobs.com – Nov 10

Travel Agents

JG Travel Group – Florida

Experienced Travel Agents Needed Are You An Experienced Travel Agent with a Client Following?Are you tired of working for an agency. and appreciates what you do?Do you want to be part of an agency that knows. THE TRAVEL AGENT MAKES THE DIFFERENCE Join Us and Make a Difference We Pay.

www.gettravelagentjobs.com – Nov 15

Experienced Travel Agents Needed

JG Travel Group – Florida

Agents Needed Are You An Experienced Travel Agent with a Client Following?Are you tired of working for an agency that doesn’t appreciate. to be part of an agency that knows. THE TRAVEL AGENT MAKES THE DIFFERENCE Join Us and Make a Difference We help you be successful We Pay YOU Top.

www.gettravelagentjobs.com – Nov 9

Travel Agent

Paycation Travel – Killeen, TX

We are looking to hire exciting, independent, entrepreneurial-minded individuals to train as Home Based Travel Agents. You must be self. -motivated, have phone and internet access in your home. and want to change peoples lives in the way they travel. NO EXPERIENCE NECESSARY. First.

www.gettravelagentjobs.com – Nov 7

Travel Agent

Global Travel international – Fairvilla, FL

Looking to Work at Something You Love? Become a Home -Based Travel Agent Global Travel International has been in business since 1994. as an Independent Travel Agent You can find out more by going to our website at global travel .comCall Today 1-800-396-5416.

www.gettravelagentjobs.com – Nov 7

Travel Agents

JG Travel Group – Fort Lauderdale, FL

Will Be Considered Job Description Are You An Experienced Travel Agent. Are You Tired of Working for an Agency That Doesn’t Appreciate Your Hard Work. and Appreciates What You Do? Do You Want to be Part of an Agency That Knows. “THE TRAVEL AGENT MAKES THE DIFFERENCE” Join Us and Make a Difference.

www.ziprecruiter.com – Nov 4

Leisure Travel Agent

Professional Travel Inc. – Cleveland, OH

to join our team. Apollo GDS experience, as well as familiarity with leisure travel vendors and vacation destinations required. This can be a work. Job Description: Oho’s largest regional travel management company is seeking knowledgeable, experienced, creative leisure travel agents.

www.ziprecruiter.com – Nov 18

Travel Agent Homebased/Independent Contractor

Sun Connections Travel Cruises, LLC – Beaverton, OR

Join our agency and work from home Great full-time or part-time. Experience helpful, but full training available to the right person.

www.gettravelagentjobs.com – Nov 23


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World Travel International Home #plane #ticket

#world travel

Welcome To World Travel International


Recent polls show us that the consumer is becoming more familiar and comfortable with e-commerce.

  • The quantity of holiday and travel products sourced from the Internet is expanding rapidly.
  • Surveys show that people are increasingly willing to use the Internet as their first source in seeking to procure significant savings on accommodation and holiday products.
  • Travel is currently ranked the second largest growth industry and is expected to continue its expansion into the foreseeable future.

World Travel International specialises in providing superior quality accommodation throughout the world, with a special emphasis on South African properties, at very affordable rates exclusively available to its private Member base. Our research indicates that the majority of Members prefer to take their holidays within South Africa because of the reduced travelling times. Our prime directive is progressive expansion into Europe and beyond to secure and consolidate holiday accommodation of the required standard for our Members.

The available accommodation is listed on this innovative and user-friendly web site. Members can access our inventory worldwide, examine individual resorts in detail and reserve accommodation via an on-line request to our Reservations Department.

World Travel International pledges to continue to expand and consolidate its accommodation register through long-term leasing and entitlement contracts with selected high quality providers to fulfil the needs of our Members.

This web site is currently operational as a work in progress and will be continually updated by a dedicated web development team to accurately reflect the inventory, services and products available to our Member base.

Our site will evolve progressively to meet the needs and expectations of our Affiliates and Members.

At the present time the consumer has limited choices when planning holiday requirements.

Traditional hotel room accommodation

This is becoming increasingly more expensive in peak demand periods and often precludes family occupation. World Travel International uses the negotiating power of its extensive member base to secure enhanced discounts for subscribers.

Timeshare purchase

This has significant entry costs and on-going maintenance costs. The concept of a fixed week holiday and the difficulty of ever finding a viable exchange can be persistent problems for some owners.

Rental properties

Many of these are very limited in terms of seasonal availability and location and can be amongst the most expensive form of accommodation.

The Internet

The lack of consumer service facilities available to casual users makes the Internet of limited use without the full backup facilities of a dedicated Members organisation. Although this can be a less expensive option, cost is still at retail price because it is a single transaction.

Tour operator/travel agent .

Many package holiday deals restrict users to the tour operator’s arrangements. Quality is often poor overall and this leads to one of the industry’s highest areas of customer complaints.

The Internet is considered to be the most significant modern trend in the holiday and travel market place. Around 70,000 people are joining the ranks of Internet users every week, and an increasing number of these will be seeking to fulfil their holiday requirements.

World Travel International has been created to fully realise this need through their state of the art web site, customised customer service software and dedicated Reservations department.

With full Member aftercare, unlimited access, Member assistance facilities and accommodation significantly below market prices, World Travel International is poised to service a large share of this market.

Remember the last time you went on holiday? You had to spend time researching locations that had the activities you wanted to do while you were holidaying. After you found a place that provided those activities, then you had to book plane tickets. Then you had to take care of your accommodation. Then you had to rent a car. Then you had to book all of those activities you wanted to enjoy during your stay.

Now imagine making one single phone call, and accomplishing all of those tasks. Think of how much time you’ll save when you don’t have to contact an airline, a hotel, a rental car agency, a local chamber of commerce, and all the other details you would typically have to take care of. How can you make this a reality and still go on a vacation? Welcome to our wonderful world of travel.

WE realize that for us to succeed, we have to offer our members more than simple savings on accommodation. Your membership provides incredible services in addition to gaining you access to luxurious discounted accommodation. With the pace of life today, the traditional “family two week summer vacation” is a thing of the past. Today’s families are carving out “mini- vacations” for long weekends, and taking 3-5 mini vacations per year.

WE allow you easy access to great accommodation for long weekends, midweek’s, days and weekly holidays. And since we know that the perfect blend of luxury, incredible service, and flexibility is the hallmark by which all vacation clubs are measured, they strive to provide their members with everything imaginable, and you aren’t simply planning for today, but planning for tomorrow as well. Your membership allows you to spend more time with your family. With so many luxurious properties to choose from so close to your home, we make it easier for you to enjoy an “any-vacation” so you take more vacations, more often.

So whether your ideal vacation is a trip to the beach for a week of surf, sand, and sun; or a powder-filled excursion to a world-class ski resort, we have many different options for you to choose from. If you would rather spend a weekend on a golf course working on your swing with a professional instructor, that can be arranged as well. With renowned accommodations, incredible amenities, and warm hospitality including exceptional service, why wouldn’t you join us? Given the pace of today’s rat race, convenience is a must because it provides the ability to escape as often as your schedule allows. What will it be? One phone call to plan your next vacation or six phone calls. The choice is yours. Get your membership, and start saving time money today!


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Home – Nordika Travel #cheap #flights #with #car #rental

#iceland travel

Nordika Travel

Call us: 888.528.2591 | 203.208.3947

The Most Popular Tours

Iceland Fire and Ice Self Drive

5 nights, YEAR-ROUND

See all the elements of Fire and Ice in Iceland; geysers, volcanoes and waterfalls on the Golden Cir

Northern Lights Exploration

7 nights, winter

Experience the best of Iceland’s winter! The Northern Lights Exploration series are designed to incl

Complete Iceland

14 nights, Summer

Just as the name implies, this guided small group tour lets you experience Iceland completely, from


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GE Home Alarm Security Systems #home #security #camera #monitoring #systems


Wireless alarm systems with constant monitoring are more affordable than ever and will give you the peace of mind you deserve.

An In Home security alarm monitoring system is a crucial part of building a new house, or upgrading an old one. In fact, if you are simply moving into a different, but not necessarily new, house, the alarm system and whether it is monitored should be a question you ask the previous homeowner.

Most people know enough to take basic precautions in protecting their home—like leaving an outside light on so neighbors can see an intruder if you are away, locking the doors, owning a barking dog, and password protecting a computer system. Many people try to keep valuables locked in a safe or at least hidden in a location they hope will be unsuspected. The problem with all of our personal efforts to practice safety is that we are human, and it is almost impossible to think of every opportunity that we might accidentally give to a burglar. That’s why we need the protection of a home security system that includes the services of a monitoring company. It is the company’s job to be alert when you cannot be, either because you are not home or because you are sleeping or simply caught off guard.

Buildings of all types, and even cars are burglarized every day. Some of the thieves are simply desperate people who may be unable to find work and have resorted to crime in an attempt to survive. Others, the more dangerous crooks, are professionals who know every trick in the book for staging a robbery on private property. Furthermore, the best crooks even know how to steal items that will be of great value to themselves but that you will have a hard time tracing once the items have left your home. Certain things like jewelry and antiques you don’t use every day might not even be missed until long after the burglar has pawned your belongings in a location far away from you. It just isn’t worth depending on yourself or your family members to be alert 24/7, 365 days a year. When you rely on a company to protect your home for you, just having a sign up indicating that you have a home alarm system will often deter a burglar

Thanks to the new wireless technology, a home alarm system can be installed in your home with only an hour or two of work. The monitored systems need to be installed by licensed professionals who can communicate with the company and check to make sure everything is working properly before they leave.

If you think you are mechanically inclined enough to install your own system, you can purchase an inexpensive wireless system at your local hardware store, but if it doesn’t do what you want, you are responsible for the results. Even with a professional system, however, you can get very reasonable prices and you can choose the features you want included. For example, if you already have a dependable fire alarm and/or sprinkler system, you may not want to pay an additional price to have a fire or smoke alarm included with your security alarm.

Of course, if you do not already have adequate protection for disasters other than burglary, you can get alarm systems that include flood warnings, smoke alarms, carbon monoxide sensors and more. You can also have closed circuit TV, so if you work in a place where you could take a glance at your home yourself, you might want to check that out. Just be aware that the more bells and whistles you include, the more expensive it will be. Furthermore, before worrying about the add-ons, you need to analyze your own home, counting the windows and doors that need protection. You also need to decide whether you want a silent alarm that only notifies the police, or one with a siren that will alert all the neighbors as well. If you live too far away from other homes, a siren will just give the crook time to grab what he can and get away before the police get there

Added benefit of s security system
In addition to protecting you against a break-in, a security system may also save you money by lowering the rates on your homeowner’s insurance. Some companies give as much as a 20% discount for having an approved security system. Furthermore, if you ever decide to sell your home, having a security system already installed and active could increase the value of your home. Finally, some alarm system monitoring companies give big discounts on the system itself—some even giving you the equipment for free once the system is activated—while others will knock off a month or two of service fees if you pay for the whole year at once.

Secure Your Home while Saving Money!
A house alarm security system has a secondary benefit that could help pay for itself in time. That is, you could be eligible for lower rates on your homeowner’s insurance. If your insurance carrier does not offer such a discount, you might consider shopping around, as many companies give as much as a 20% discount for having an approved, in home security system.


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Atlanta Employment Lawyer – Labor Law Firm – Attorney #atlanta #employment


Atlanta Employment Attorneys

Barrett Farahany – Justice at Work. ®

For over 15 years, Barrett Farahany, LLP has had proven success representing individuals in employment claims. The firm’s cases are regularly followed in the press, have impacted societal change, and have given our clients a voice. Our employment attorneys specialize in wrongful termination, defamation of character/libel, medical leave and FMLA. discrimination. overtime and wage dispute, executive compensation, and sexual harassment cases. We represent employees from all walks of life, from the C-level executive to the blue-collar worker.

If you have a situation that requires the involvement of experienced and accomplished lawyers, contact us today to schedule a free consultation with a Barrett Farahany attorney. Every person who contacts our firm will be provided the opportunity to discuss their situation with one of our employment lawyers .

Our Atlanta, Georgia, labor-law firm specializes in private sector employment disputes, representing individuals who have been employed by companies within the private sector. We do not currently handle public sector disputes involving government employment. However, we do represent employees in whistleblowing claims, including claims of fraud, waste, and abuse of government money.

Our firm is located in the heart of Atlanta, GA and serving all the surrounding communities including: Alpharetta. Sandy Springs. Dunwoody. Savannah. and more.

Amanda A.

Our firm believes that if we turn over every stone, no matter how small or large, that we will find the information we need to help our client fight her cause. Each person in our firm has a role in helping do that.
— Amanda Farahany

May 2015: Read the landmark decision protecting you and your DNA.


Paternity Leave and the Options for Dads

The birth of a child is a major event in a couple’s life. It’s only natural that the arrival of a child often leads parents to reevaluate their priorities—there’s a brand-new individual on the block they need to worry about. Understandably, many parents prefer to spend some quality time with their child during the first . LEARN MORE

Signs of Ageism

Older workers can offer a wealth of skills and knowledge to the contemporary workplace. In general, they’re more experienced and more emotionally mature than their younger counterparts. They’ve been through a lot over the years, and they’re often quite adept at avoiding or resolving interpersonal conflicts that can entangle Millennials. Not everyone sees it that . LEARN MORE

Barrett & Farahany Justice at Work. Phone:

1100 PEACHTREE ST NE # 500 ATLANTA. GA 30309-4501

Barrett & Farahany, Attorneys at Law, are located in Atlanta, GA and serve clients in and around Decatur, Atlanta, Scottdale, Clarkston, Avondale Estates, Pine Lake, Stone Mountain, Tucker, Smyrna, Conley, Marietta, Mableton, Forest Park, Ellenwood, Red Oak, Austell, Lithia Springs, Morrow, Lithonia, Rex, Riverdale, Clayton County, Cobb County, Dekalb County and Douglas County.

Copyright 2016 Barrett & Farahany, LLP. All rights reserved.


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Home Security Systems #home #security #systems #minnesota


Home Security Systems

Installing a home security system is the right thing to do. Period. For only $1 a day, an alarm-monitoring system will secure your home, 24 7, keeping your family safe around the clock.

In fact, an FBI study showed that houses with home security systems are 3 times less likely to be robbed than those without a security system. Installing a quality home security system protects your family and valuables – and truly offers peace of mind.

Rely on our experience to select the system to meet your needs – and your investment level

Residential Technology Systems is downright passionate about home security systems. Without question, a home security system with 24 7 monitoring is THE smart, affordable way to protect your family, valuables, and property.

Call us to set up a complimentary consultation. We’ll start by asking questions about your lifestyle and security needs, and we’ll take time to fully answer your questions and discuss options. This in-depth consulting ensures the home security system you select will meet your needs, desires, and investment level. Once installed, we provide in-depth training, along with ongoing service and support.

No matter which package you choose, you’ll receive:

UL-listed 24-hour monitoring from 3 central stations across the country to ensure your signal gets through – this critical feature offers total redundancy

Security signs and warning decals – these are visual deterrent greatly help to keep your family and property safe

Don’t forget your second home or vacation home!

Do you have a vacation home in the Brainerd Lakes Area? Do you have a second home elsewhere in the country? If so, let’s discuss a home security system and monitoring package that will protect your valuables while you’re away.

Customize your home security system with a wide array of features

You can choose a variety of monthly service package options to customize your home security system, with an additional up-front investment, including:

Real-time email notifications when your home security system is armed or disarmed

The ability to check on your home using your smart phone or tablet, including viewing security cameras, controlling thermostat, turning lights on/off, controlling automated shades, and more!

Automated door locks

Video cameras (as many as you wish)

Thermostat control, offers energy (and money) savings

The ability to design your system to allow pets to roam free, using a “pet immune” motion detector

Temporary access codes for housekeepers, babysitters, and guests

Alerts for environment protection including smoke/fire, low temperature, and carbon monoxide

Keeping your family and home safe for around $1 a day makes sense

You can have home security 24×7 monitoring starting at just $29.95 a month. When it comes to protecting your family, home, vacation home, and business, the Residential Technology team delivers unbeatable value.

Residential Technology Systems designs and installs automated home technology systems, including Home Audio Systems, Home Theater Systems, and Home Security Systems. Located in Plymouth, Minnesota, ResTech Systems provides quality service and “smart” technology solutions to residential customers throughout central Minnesota including Minneapolis, St. Paul, and the metro Twin Cities region as well as those who have vacation homes in the Brainerd Lake Area or second home anywhere in the country.

Residential Technology Systems
12955 Highway 55
Plymouth, MN 55441
(763) 710-5700

Site Developed & Maintained by Vortex Business Solutions | 2016 Residential Technology Systems. All rights reserved worldwide


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Greensboro Home Security (336) 790-5723 #greensboro #home #security, #greensboro #home #security


Because Your Loved Ones and Property Are Worth Protecting !

Home Security Monitoring

Home security and alarm monitoring are what we do best! We specialize in home alarm systems and Alarm Monitoring. Here you will find the best deals on a security alarm combined with the latest state-of-the-art alarm monitoring service. If you are looking for a Security Company to handle all of your security needs then you have come to the right place. We are a well-established Alarm system dealer and can provide you with the very best home security systems to match your needs.

Do you want to feel safe at home?

More and more people in Greensboro, Winston-Salem, Thomasville, Lexington, Salisbury, Denton, Asheboro, Charlotte, Burlington, Durham, Raleigh and surrounding communities in North Carolina are installing home security systems and there are many that one can choose from that include the usual numeric keypad security system or camera security systems. Click here below for 10 good reasons why you should install an Alarm Alert home security system:

Alarm Alert Introduces KidSafe

Kid Safe!™ will alert parents via email, pager, cell phone (text message) or fax when their child has entered their home safely and has successfully disarmed the security system. Kid Safe!™ can also alert them when their child has not entered the home by a predetermined time.
Whether you’re at home or away, ALARM ALERT, LLC can watch over your home, family or business 24 hours a day. As one of the nation’s leaders in residential ?>


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Coop Loans, Home Improvement Mortgage, 203k Loan Requirement New York, Low


how much does it cost to refinance a home loan

How much does it cost to refinance a home loan

Great Northern Mortgage can help you find a mortgage that fits your needs and circumstances however large or small. One loan definitely does not fit everyone. That is why we offer many loan programs for you to choose from, such as our 96.5% FHA purchase loan program, interest only, up to a 40 year fixed rate option, No Income Verification program, or New York SUPER JUMBO loans up to $3,000,000, which are still available especially for Manhattan New York mortgages. With No Income Verification program you will be able to purchase a property without showing your income, but you have to show your assets. Let our specially trained Loan Consultant match up the right loan for you and your family s needs.

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

Purchase, Refinance (Cash out and No cash out)

Primary, Second Home, Investment

New York, New Jersey

Max LTV Primary

Max LTV Primary

Max LTV Primary

Max LTV 2nd Home

Max LTV 2nd Home

Max LTV Investment

80% to $2,000,000 (Purchase and No cash out)

65% to $1,500,000 (Cash out)

60% to $3,000,000 (Purchase and No cash out)

80%/90% to $417,000 (Purchase)

75% to $750,000 (Purchase and No cash out)

65% to $750,000 (Purchase and No cash out)

620, 680, or 720 depending on a program

12-16 months for Non Conforming Loans

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

Your credit report may be full of derogatories, such as charge-offs, collections, tax liens, or late payments, compounded with a history of foreclosure and bankruptcy. However, you may still get a loan for home purchase, refinance, or even cash out of your current home as long as you can meet the specific guidelines for loan approval by a multitude of lenders specialized in the credit-damaged borrower.

Banking general industry guidelines help a lender to make a judgment on the borrower’s loan application. However, there are no hard-and-fast rules of separating the borrower on the border line between one credit category and another. Compromising variations between one lender to the next depends on the degree of subjectivity involved in underwriting and how much each lender wants to commit their funds.

Typical lenders in the market of credit-damaged borrowers usually lend only up to 80% of the appraised value of the home, so the borrower often has to have 20% equity or come up with a 20% down payment for a purchase.

A-minus and B-credit borrowers are often allowed to allocate 50% of their income to pay for combined monthly debt (compared to the standard 36% guideline used for A credit borrowers), while the bottom rung of the credit ladder can be stretched to 55%. As for proof of income, some lenders do have Stated or No Income programs, which do not require tax returns, W-2s, or pay stubs. In these cases the loan to value ratio will be limited to 60-70%, and the minimum credit score required is around 700.

For information on how you should rate your credit Click Here.

How much does it cost to refinance a home loan

How much does it cost to refinance a home loan

Put your money to work for you in an investment property, which provides a vehicle to enjoy the potential for market appreciation while building equity each month. Whether you are purchasing or refinancing a home, condo, or piece of land, Great Northern Mortgage can help you find the right investment property financing option.

We have access to programs for single family homes, duplexes, three and four unit non-owner occupied homes. We also have several resources to provide up to 75% investment property loans.

  • Great low rates for the life of your investment property mortgage, or take advantage of the low monthly payment of an interest only loan.
  • Fair and reasonable closing costs.
  • Fixed rate mortgage and adjustable rate investment property financing solutions.
  • Programs available for self employed borrowers, owners of numerous properties, and those with less than perfect credit.

Programs for 1-4 unit properties, and condos. Programs for 1-4 unit properties, and condos.

We will take the time to find out what your goals are and tailor your financing to meet these goals. We don’t just offer short term financing to get one deal done, but strong and aggressive long term financing that will still work in the long run and avoid unnecessary refinancing costs. This allows you to begin working on a retirement plan that will include monthly rental income.

Contact us to find out what mortgage investors programs will work best for you. Complete our online application or call us 888-9-LOAN-99 and get pre-qualified now.

How much does it cost to refinance a home loan

Whether you’re planning to build your dream home or just thinking about it, we can help. We can answer your questions, and guide you through the loan process. We’ll be with you every step of the way from framing your front door to turning the key. At Great Northern Mortgage, we’re home construction lending experts. We can answer your questions and your builder’s questions so your project keeps moving smoothly from groundbreaking to housewarming. A Construction-to-Permanent Loan is based on ordering an appraisal based on the future value of the home. Through our mortgage company you can obtain a loan up to 75% of the future appraised value of a primary home, and 65% of the future appraised value for a spec home. The construction loans are based on the actual cost, which can include the purchase of the land.

This means with one application, you get all the financing you need in two easy processes: your construction and permanent loan. All fees and points will be built into both mortgages. Based on the project if it has enough value you can finance your land and wrap your closing cost into your construction loan up front. Below you will find the list of items you will need to get your construction loan started.

  • Plans and Specifications
  • Plot Plan
  • Proof of a Land contract or a Deed
  • Proof the Land is buildable from your local Building Inspector
  • Title Commitment
  • Homeowners Insurance
  • Line item list of all cost to build your project
  • Builder s resume

To get started please complete our online application

or call us 888-9-LOAN-99.

How much does it cost to refinance a home loan


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Residential VoIP #residential #voip, #voip, #residential, #digital #phone #service, #internet #phone


Residential VoIP

What is Residential VoIP?

Residential VoIP offers competitive pricing and bonus features

VoIP (Voice over Internet Protocol, also called “digital phone service” or “Internet calling”) allows callers to make and receive phone calls using the Internet. Instead of using traditional phone lines, VoIP uses your existing high-speed internet, VoIP phones, and ATA adapters in order to complete calls. It is a much more current and more affordable technology than traditional phone solutions.

The growth of high-speed Internet has made VoIP technology readily available for residential customers at cheap monthly rates. Most residential VoIP plans have extremely low monthly rates and offer you voice quality. features. and flexibility that traditional phone companies can’t match.

Most residential VoIP plans include unlimited local and long distance calling. For instance, BasicTalk offers unlimited U.S. calling for a low per-month rate with no annual contract or hidden fees. Additionally, residential VoIP providers usually include several call management features like caller ID. voicemail. conference calling. call waiting. and more. While many traditional phone services also offer these features, they are usually available for an extra monthly fee. Most VoIP providers offer these features and tools for free when you sign up for a residential plan. Check each provider to see which productivity, call management, and collaboration features are included with their service.

Residential VoIP Buying Guide

The easiest way to purchase VoIP

There are many VoIP providers that cater towards both residential and small office/home office customers. Our VoIP providers are reputable, consistent, and affordable. But choosing the right VoIP provider can be tricky. How do you know that you’ve made the right decision? Could there be another provider that offers better service for less? Below are a few questions you should ask yourself before you make your decision:

  1. Know what features you need. Do you like call waiting. Do you need voicemail. Knowing what features you need will help you narrow down your search. On each provider’s page, we have a list of the most important features, and whether or not each provider offers them.
  2. Visit the provider’s website and research their services. Sometimes providers offer unpublicized special deals on their individual websites. Also, if you speak with a provider’s sales representative, you may be able to get an extended money back guarantee, free equipment, or more.
  3. Find out what the provider includes (or doesn’t include) in their quoted price. Taxes, 911 service charges, number porting fees, international rates, and other hidden charges can dramatically increase the final price of your service.
  4. Find out if the provider will give you the necessary VoIP equipment. Certain providers will include an IP phone or ATA adapter with their service. For instance, ITP includes a free router/adapter and mobile app with their service. Others will offer a BYOD service free of charge. And some providers will charge you for routers, phones, and other equipment. Be sure you know what your provider offers you.

We encourage you to thoroughly research all providers and plans before settling on a provider. Furthermore, please check with individual provider websites for rates, disclaimers, and additional fees that may not be displayed here. While we do our best to provide you with the most current information, a provider’s rates and/or offerings may have changed.

Residential VoIP Offers Big Features

Get free features with your new residential VoIP plan

Beyond the attractive price tag and voice quality. VoIP is popular due to the amount of tools and productivity features that come with each plan. Most providers include these features for free when you sign up for service. Here are some of the amazing features you could be using today:

If you talk on the phone quite often, you will find call management tools helpful. Call management tools like call waiting. call hold. call forward. and caller ID are all helpful features that will make for a better calling experience. Enhanced voicemail options like voicemail to email. voicemail transcription. and more add versatility to your voicemail system. Plus, you can access your voicemail from nearly anywhere! These advanced voicemail features would cost you extra on a traditional phone system. As a residential VoIP customer, you’ll also have access to a user portal. where you can control things like voicemail. block list, contact list, E911 service, and other settings. All of your changes are implemented in real-time, and allow you to easily customize your VoIP phone system.

By choosing a residential VoIP calling plan. you get flexibility and scalability that can’t be matched by a traditional phone service. Plus, with VoIP you can flawlessly add extensions and features in real-time. And you can keep and port your current number to your new VoIP service, too!

What can a VoIP phone do that a landline can t?

VoIP is superior to your standard PSTN service

A VoIP phone service can help you save up to 80% on your monthly phone bill. VoIP providers offer many features which are included with your plan. These features include voicemail. caller ID. conference calling. call waiting. and other productivity tools and functions. Furthermore, many providers offer unlimited long distance calling with their plans, which saves customers the trouble of having to purchase long-distance phone cards or pay expensive long distance fees. VoIP service plans also include unlimited calling to other subscribers with the same service on the same network. You can talk to those users for as long as you want to at no additional cost, regardless of the type of plan you purchase. Certain providers even include monthly toll-free or international minutes with your plan. Check with your provider to see what their calling restrictions and rates are.

A VoIP service is best suited for you if you can relate to any of the following statements:

  1. “I have a high-speed internet connection and want to lower my phone bills with a broadband phone company .”
  2. “I make expensive long-distance or international calls and I want to reduce the costs.”
  3. “I like the convenience of taking my number with me wherever I travel.”
  4. “I like features such as conference calling, the ability to choose any area code, voicemail, caller ID, call waiting, and more.”
  5. “I’m frustrated by excessive taxes and long-distance phone company monopolies.”
  6. “I live outside the U.S. but I want a local U.S. number.”

VoipReview Speed Test

Test your Internet speed with our innovative speed test!


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Washington Heights Locksmith # #washington #heights #ny #locksmith, #locksmith #company #in


Washington Heights Locksmith Locksmith

All Manhattan, NY locksmith needs are covered by Locksmith In Washington Heights Locksmith. Call us now at 877-800-9507 for the best Manhattan, NY locksmith services.

Call us today: 212-710-2315

We at Locksmith In Washington Heights Locksmith offer locksmith services for all your residential, commercial or automotive locksmith needs. We provide the fastest and most reliable work. With our 15 minute emergency response time, affordable rates, 24/7 availability and guaranteed professional assistance, Locksmith In Washington Heights Locksmith is your best bet in the whole Manhattan, NY area.

All your locksmith concerns are taken care of reliably with Locksmith In Washington Heights Locksmith. We only have the best technicians for the job and we ensure you that no matter your locksmith problems, may it be residential, commercial or automotive, we will provide you the fastest, most affordable and most dependable service you can dream of. Wherever you are in town or any surrounding Manhattan NY area, we will respond to you a.s.a.p.

Call us now and we?ll be there right away. We guarantee you our 15 minute emergency response time! Talk with our experts about your locksmith needs and they will answer you in no time. Here are some of the common services we provide:


  • Emergency lockout/opening
  • Key making or Re-keying
  • Master key system
  • Deadbolt installation


  • Emergency lockout/opening
  • File cabinet locks concerns
  • Panic hardware
  • Door accessories installation and repairs
  • Electronic locks problems


  • Car lockout
  • Emergency car and/or trunk opening
  • Key making or re-keying
  • Removal of broken keys

Call us now at 877-800-9507 and get a free consultation and estimate! We are available to you 24/7, 365 days a year. For the most reliable, affordable locksmith service in Manhattan NY, call us today!

Call us today: 212-710-2315

Customer Service Agents are standing by at 24 Hour to take your call anytime, day or night. Please, call anytime!


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Vivint Reviews: How Does Vivint Rank in 2017? #vivint #home #security


Vivint home security review


Sleek Contemporary Equipment
100% Wireless Systems
Available ASAP (Same-Day Installation)
Lifetime Warranty
Cellular and/or Landline Connections
Remote Access (Mobile App)
Indoor/Outdoor Video Cameras
Doorbell Camera with Two-Way Voice
Environmental Disaster Protection
Home Automation


Requires Pro Installation
Activation Fee
Above-Average Monthly Cost
Long-Term Contract
Trial May be Short


Vivint emphasizes the benefits of home automation for shoppers with medium and higher budgets for home security. Their 100% wireless systems are professionally installed rather than do-it-yourself, and a technician connects each system to a powerful cell radio network and/or landline to reach emergency monitors. Vivint’s three monitoring plans all support essential protection against home invasion and environmental dangers such as fire and carbon monoxide. Additionally, the top two plans can support video security and home automation with voice commands for remote control of lights and door locks. Customers sign either four-year or five-year contracts.

The newest Vivint security systems use the 7” touchscreen Vivint Sky control panel. This control panel connects with cutting-edge components from top brands, and each component is repaired/replaced for free if needed. Vivint Sky control panels can connect with these and other devices: entryway sensors, motion detectors, carbon monoxide detectors, pipe freeze sensors, doorbell cameras with two-way voice, indoor cameras, outdoor cameras and thermostats.

Each Vivint security system can use cell radio and/or a landline to send emergency alerts. The company has its own monitoring centers (instead of outsourcing) and in 2014 reported an average call response time of ten seconds.

Vivint is headquartered in Utah. The company began as APX Security in 1997. It partnered with the banking firm Goldman Sachs in 1998 and was acquired by the global investment firm Blackstone Group in 2012. Vivint is not a member of the Better Business Bureau.

Customer Service

Vivint s customer service has greatly improved over the past couple of years. The company s door-to-door sales agents once earned Vivint a reputation for being aggressive with sales. Worse, Attorneys General for multiple US states had reason to file charges for misrepresentation and deceptive sales tactics. Not long ago the company had thousands of pending complaints and a low rating from the Better Business Bureau… but today the Vivint BBB rating has climbed to a B. A more transparent pricing structure introduced in January 2017 is partially responsible for the drop in customer complaints.


Before 2017 Vivint customers paid monthly for monitoring but never actually owned their security equipment. Today eligible Vivint customers can eventually own their security equipment with interest-free financing. Vivint Flex Pay splits the monthly bill payment into one section for monitoring and another for the control panel and sensors. Customers make payments over four or five years depending on where they reside or do business.

The two monitoring options with Vivint Flex Pay are:

  • Smart Protect: Basic home protection (burglary/environmental) at $39.99/month for monitoring plus equipment financing
  • Smart Protect and Control: Basic home protection plus two or more special security features of the customer’s choice for $49.99/month plus equipment financing

Choices for special security features include:

  • Doorbell camera
  • Door lock with remote control
  • Remote (online) garage door control
  • Remote thermostat control
  • High definition indoor video recording
  • Outdoor video surveillance

A minimum credit score of 600 is required. Customers who do not qualify for financing (and/or are not interested in equipment ownership) can opt for monitoring-only contracts.

Note that potential Vivint customers have the power to negotiate prices. For example, when a potential Vivint customer already has a contract with another home security provider, the Vivint sales agent has the power to offer a buyout to cover up to 12 months of the contract. However, the more months they cover, the less bonus a sales agent receives personally. This isn’t the case with all alarm companies. New Vivint customers might also negotiate waivers for doorbell camera installation, outdoor camera installation and other charges.


Vivint home security systems feature Vivint Sky 2.0 control panels with 7” touchscreens. Each control panel oversees entryway sensors, at least one motion detector, and at least one environmental sensor such as a smoke alarm. Additionally, video cameras and cutting-edge home automation features are available with top Vivint plans. Here are lists of Vivint security system functions and features.

  • Touchscreen Control Panel that “Learns”
  • Two-Way Voice for Emergency
  • Keyfob with Arm/Disarm, Panic and Custom Button
  • Panic Button
  • Panic Pendant
  • Entry Sensors
  • Garage Door Sensors
  • Glass Break Sensors
  • Motion Detectors
  • Carbon Monoxide Detectors
  • Smoke and Heat Sensors
  • Water Leak/Flood Sensors
  • Freeze Sensors

Video Cameras
Cloud storage is included with monitoring plans for Vivint customers who use video security.

  • Fixed Indoor Camera
  • Pan and Tilt Indoor Camera
  • Outdoor Camera
  • Doorbell Camera with Voice and Mobile Access
  • Keypad Door Locks
  • Remote Light Control
  • Remote Thermostat Control

Features & Technology

Vivint security systems stand out for cutting-edge technology. Here are some favorite features.

Doorbell Camera
Create the effect that you’re home! Vivint’s doorbell camera lets the owner view and speak with visitors via a mobile app. The Vivint doorbell camera provides streaming video and also supports two-way voice.

Customizable Remote
Vivint and other wireless security companies provide remote controls that fit on keyrings. The typical remote can arm/disarm the system and also has a panic button. Additionally, the Vivint remote lets users set a custom function such as locking doors or adjusting lights.

Video Cameras
Vivint monitors a variety of indoor and outdoor security cameras. Video can be live-streamed to their mobile app and saved to cloud storage.

Voice-Activated Home Automation
Vivint home automation is enhanced with Amazon Echo voice technology. Using biometric voice recognition, a Vivint system can respond to commands that control home temperature, lighting, locks and more.

Nest Thermostat
The Nest thermostat works with Vivint home automation to add convenience, comfort and cost savings. Vivint’s newest control panel can work with the Nest thermostat to make customized recommendations about settings to lower your bills while keeping you comfortable.

Ease of Use

Vivint’s wireless security systems are installed by professionals to ensure expert set-up. Customers use well-designed 7” touchscreen control panels with large icons and clear text. For added simplicity, Vivint’s top plans support mobile app control and voice recognition. With voice recognition, you can simply say “I’m going to bed” to automatically lock your doors, arm your security system and adjust lights throughout your home. A customizable keychain remote also helps make Vivint home automation and security easy to use.


Vivint is a top choice for customers seeking professionally installed home security with advanced automation. Sales practices in the past damaged the company’s reputation but it remains a leader in innovative home protection. If you want the latest home automation technologies and don’t mind signing a long-term agreement, then Vivint could be your best match in home security.

Vivint Home Security


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One of the Best VA Home Loan Lenders – VA Approved


VA Loans

As one of the nation’s best VA home loan lenders, NASB offers great rates on safe and affordable loan products, including FHA and VA home loans. We will help you determine if you are eligible for VA financing and, if you qualify, we will provide you with quick and hassle-free VA loan approval.

VA Approved Lenders

Earning the privilege to lend to our brave men and women is an honor we take seriously here at North American Savings Bank. VA-approved lenders adhere to the highest standards of financial practice and NASB works extra hard to ensure a comprehensive loan experience for military personnel. We are dedicated to giving you great customer service, but don’t just take our word for it. Read the thousands of reviews written by our customers.

What is a VA Home Loan?

VA home loans are guaranteed by the U.S. Department of Veterans Affairs (VA) who allows qualified Veterans or Active-Duty personnel to finance up to 100% of the purchase price of their home. The VA Loan Guaranty Service is the organization within the VA that administers the home loan program. The VA loan program was designed to offer home loan financing to qualified American Veterans, Reservists and Active-Duty personnel and/or their surviving spouses.

VA home loans are only available for eligible U.S. military personnel, Reservists, National Guard Members, Veterans, and their spouses. The purpose of the VA home loan program is the same as that of its FHA counterpart; to enable affordable home ownership. As with the FHA, the VA does not actually lend money, but instead the federal government guarantees the loans made by lenders such as banks, savings and loans, or mortgage companies.

What are the Benefits?

No Lender Fees or Points

NASB charges no lender fees or points to active duty military personnel, reservists and veterans who finance or refinance their home with a NASB VA Home Loan. When comparing rates, be sure to check if our competitors are charging lender fees or points, such as a 1% origination fee, loan processing surcharges, underwriting fees or other hidden costs. This will require less cash for you to close on a new home and result in lower monthly payments when financing with NASB.

Streamlined Refinance Program

VA home loans offer you the ability to refinance in the future at a substantially reduced cost. The VA Streamline Refinance. or what is commonly referred to as the IRRRL (Interest Rate Reduction Refinance Loan). allows qualified VA borrowers to refinance to a lower rate of interest or reduced term. Additionally, qualified VA borrowers may not have to obtain a new appraisal or re-qualify for a new VA loan.

What are the Requirements?

VA Home Loan Eligibility

There are several detailed qualifications for VA home loan eligibility that depend on your military status and experience. Generally speaking, those who are eligible for VA home loans include: Veterans of the U.S. Military, Active-Duty personnel, Reservists or National Guard members, and some surviving spouses. For a detailed list of qualifications, please visit the Department of Veterans Affairs website. You can also visit our pre-qualification page to learn more.

VA Home Loan Requirements

Even though you may be eligible for a VA home loan based on your service, there are also certain lending qualifications that must be met in order to be approved for a VA home loan. NASB will consider the following when evaluating your VA home loan application:

Employment Verification – We need proof of two years of steady employment; preferably with the same employer.

  1. Income – The last two years of income should be either at the same level or higher.
  2. Credit Score – Your credit report should have less than two 30-day late payments in the last two years, and show a minimum credit score of 620.
  3. Bankruptcy – You must be at least two years past any bankruptcy discharge date, and have perfect credit since the discharge.
  4. Foreclosures – Any foreclosure must be at least two years old, and you must have perfect credit following the foreclosure date.
  5. Inspection Appraisal – The home you are purchasing or refinancing will be subject to inspection and appraisal to determine the marketability and verify the current market value will be sufficient collateral to secure the loan.

Other conditions may apply; contact a NASB VA home loan consultant for more information.

Loan Limits

The VA home loan program imposes a maximum amount in which they will finance up to 100%. That limit is $417,000 in most counties, however a VA loan is eligible for 100% financing all the way up to $729,750 if the Veteran lives in a high-cost county. Each high cost county has their own limit so please ask your loan consultant for more details.

Eligible Veterans may borrow up to 100% of the purchase price of the home, without mortgage insurance being required. Compared to a conventional or FHA loan, a VA home loan can save you thousands of dollars over the life of the loan just by eliminating the need for home mortgage insurance. To learn more about VA loan limits visit the Department of Veteran’s Affairs VA Home Loan Limits page .

It is also possible to finance more than the designated VA county loan limit if you are willing to put a percentage of money down as a down payment. Please ask your loan consultant for more details.

Apply for a VA Home Loan

So how do you apply for a VA home loan? The first step in applying for a VA home loan is verifying your eligibility for the VA home loan program. NASB is happy to assist you in this process, and can help you obtain your certificate of eligibility (COE), which is required prior to your application for a VA home loan. You may also visit the VA website to obtain your certificate of eligibility and view their requirements for proof of military service.

Once you obtain your certificate of eligibility you may apply for a VA home loan. NASB is one of the top 25 VA home lenders in the nation. We sell direct to Ginnie Mae – the government entity that backs the VA loan program – which only 1% of lenders do. This ensures we have some of the most lenient guidelines of any VA lender. NASB also offers some of the most competitive VA loan rates in the country and we do not charge any lender, bank, or origination fees on any VA loan we originate. Most other VA lenders charge a 1% lender or origination fee and it is common for NASB to be able to save you thousands of dollars compared to our competition.

Once the application is complete, your Loan Consultant will work on pre-approving you and walking you through your VA home loan options. Prior to committing to NASB or depositing fees for a credit report and appraisal, NASB will provide a “Good Faith Estimate” outlining a firm quote that includes all of our fees and lender controlled costs, as well as an accurate estimate of supplementary home loan costs such as title insurance, recording fees, and transfer taxes.

About NASB

NASB is a federally regulated savings bank supervised by the Office of the Comptroller of the Currency, a department of the U.S. Treasury. As a supervised Federal Savings Bank, NASB is subject to annual on-site examinations for safety and soundness, and compliance. These annual examinations ensure NASB is operating in a prudent manner to ensure the financial security of depositors as well as to ensure NASB is serving all of its customers ethically and in compliance with all applicable laws and regulations governing its financial services.

All NASB Loan Consultants are registered under the S.A.F.E. Act and are thoroughly trained in VA home mortgage lending and compliance. Each Loan Consultant must complete annual mortgage lending and compliance training, and meet or exceed testing requirements to maintain their eligibility to serve our customers.


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Hall – s Plumbing – Woodland, CA – Water Heater Installation


Hall s Plumbing

Hall’s Plumbing was established in 1986, in Woodland, CA – Yolo County and is a business with Building Contractors and Plumbers on staff and specialized in Sinks, Trailers, Garbage Disposals, Leaks, Commodes and Stools. Hall’s Plumbing is listed in the categories Plumbing Contractors, Water Heaters Repair, Water Heater Contractors and Water Heater Installation +++ Repair and offers Gas Lines, Water Lines, Water Systems, Bathtubs, Faucets, Drains, Sewer Drains, Building, Commercial Services, Drain Cleaning etc. If you did business with Hall’s Plumbing, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

Plumbing Contractors, Water Heaters Repair, Water Heater Contractors, Water Heater Installation Repair

Sinks, Trailers, Garbage Disposals, Leaks, Commodes, Stools

Gas Lines, Water Lines, Water Systems, Bathtubs, Faucets, Mobile Homes, Remodeling, Toilets, Water Heaters, Pumps, Tubs, Residential, FAUCETS SINKS, WATER SAVING TOILETS, Showers Tubs

Drains, Sewer Drains, Building, Commercial Services, Drain Cleaning, Drain Repair, Estimates, Gas Systems, Inspections, Installations, Repairs, Repairs Maintenance, Residential Services, Sewer Lines, Sewer Repair, Sewer Systems, Showers, Alterations, Built, Business, Business Services, Clogged Drains, Drain Opening, Fixing, Home Improvement, Improvements, Modernization, Renovations, Repair Work, Residential Work

Professionals on Staff:

Building Contractors, Plumbers


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ZigBee Home Automation #zigbee #home #security


ZigBee Home Automation

ZigBee Home Automation (HA) is a global standard for the flexible control of appliances in the home, including lights, heaters, curtains, blinds and door-locks. Appliances can be controlled wirelessly from a wide range of devices, such as switches, sensors, remote control units, mobile phones and computers. ZigBee HA can be used to equip the home with innovative functionality, allowing fully integrated control through existing consumer technology such as smart phones, tablets and laptops. A ZigBee HA system is implemented in the home using the ZigBee PRO protocol with the ZigBee Home Automation application profile.

NXP ® provide a complete ZigBee Home Automation software solution for the JN5169 and JN5168 microcontrollers, including the ZigBee PRO protocol, HA application profile, ZigBee Cluster Library (ZCL) and JenOS (Jennic Operating System). A ZigBee Home Automation solution may use HA-specific ‘clusters’ from the HA profile and general clusters from the ZCL.

Home Automation Software

ZigBee PRO with the Home Automation profile is available for the JN5169 and JN5168 microcontrollers. The protocol, profile and associated support software are supplied in the following Software Developer’s Kit (SDK):

The above SDK must be installed on top of the BeyondStudio for NXP toolchain (JN-SW-4141). Installation instructions are provided in the BeyondStudio for NXP Installation and User Guide (JN-UG-3098).

ZigBee Home Automation demonstration applications are provided and described in Application Notes (see below). These demonstrations can be programmed into and run on the boards of the JN516x-EK001 or JN516x-EK004 Evaluation Kit.

Software, Documentation and Support Resources

A wide range of user resources are provided to aid in the development of custom HA solutions, including an SDK, User Guides and Application Notes. Those resources that are relevant to HA are listed below.

Hardware-related resources can be found on the Support Resources for JN516x MCUs page

Legacy software is listed at the bottom of the page.


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NETGEAR Refurbished Arlo Indoor #home #security #systems # # #cameras,netgear,refurbished #arlo


NETGEAR – Refurbished Arlo Indoor/Outdoor 720p Wi-Fi Wire-Free Security Camera (4-Pack) – White

Poor Software. Posted by: JesM from: on Great idea poor software! Pros: Completely wireless Easy Setup Cons: Too many limitations 1.Battery Replacement (if using the defaults will last 4-6 months, which is ok but you only get 10 seconds of recording once motion is triggered) 2. Cost of batteries 3. Buggy software, sometimes difficult to connect to and is very slow 4. Hub uses wifi n technology to connect cameras instead of the much faster AC 5. Warranty is only 1 year for such an expensive product! 6. Support for updates is slow. 7. No local recording, which means you have allow Netgear (Arlo manufacturer) access to your network and store your video in the cloud, which means privacy can be an issue! 8. Can be easily stolen! There is nothing to prevent someone from stealing the device. 9. Only 5 cameras allow per free cloud account then you have to pay. 10. Only 7 days worth of recording allowed per free account or you have to pay! too many limitations.

22 out of 33 found this review helpful.

Easiest Home Security Cam Setup Posted by: BBElitePlus from: on Pros: Easy setup Ability to add additional cameras Motion sensitive E-mail / App notification Good App support Cons: A but laggy at times Only 720p No 2 way audio Need to replace batteries every 2-3 months, depending on use.

4 out of 4 found this review helpful.

It just works Posted by: BusDriver from: on I have tried more than one type of security camera and system over the years. Most seemed to be “buggy”, difficult to install, and remote access problematic. This product is the “real deal”. Plug it in and your up and running. They sell a 2 camera set at a lower price point. Great way to get started.

4 out of 4 found this review helpful.

Good totally wire free camera system Posted by: GeekGirl from: on The idea of this camera system is awesome and the implementation is good. These cameras are easy to set up. However, they are slower to detect motion and start recording than I like and I have fast Internet. The video looks good. The IR light for night time recording is not invisible, they have a slight red glow. They have now added IFTTT support and geo-fencing is in beta.

3 out of 3 found this review helpful.

Great camera Posted by: Fred from: on Good product. Easy to install. Refurbs come with no instructions.

3 out of 4 found this review helpful.

Nice product Posted by: Domo561 from: Palm Beach, FL on Easy to install but batteries dony last too long.

2 out of 3 found this review helpful.

Great security system Posted by: bell from: on Great security systemthis is a great security system for the price of them it’s probably actually better than most of the calls over thousand dollars very clear pictures great video and capability and I’ll have one my parents have one so we will have a total of five of them in the family so far

1 out of 1 found this review helpful.

Nice wireless videocam Posted by: TwinTurbo66 from: on Pros- Sturdy modern design. Real wireless HD videocam. Easy to set up. Got it for a good deal. Free online storage. Cons- No audio. Has a lag some times.

2 out of 3 found this review helpful.

good basic home security Posted by: Lewis from: on good picture quality. easy to set up. only con is you have to change the bateries.

2 out of 3 found this review helpful.

Good video system Posted by: Scott from: on Works as expected but did did not include the Outdoor camera mount mentioned in the description.

3 out of 5 found this review helpful.


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Rove Pest Control: Minnesota Pest Control – Exterminators #home #pest #control


Why You Need Rove

We Believe Everyone Has Individual Needs

Professional Service

We are pest-control professionals. That means we respect you and your home, but show little respect to pests who trespass onto your property. We apply proven methods and products that rid your home of unwanted intruders such as ants, bed bugs. cockroaches, spiders, wasps, mice, and many more. Whatever the pest, we are the solution!

Don’t know the name of the bug or other pest occupying your property? Not to worry. We know them all. We will identify your pests during our free inspection, offer you options, and then recommend the best solution. We offer our service around your schedule and deliver on our promises. We even guarantee it.

Check out our new video right here! It’s incredibly informative just for you!

Even Tough Guys Need Rove Pest Control

Nobody likes to deal with pests no-matter how tough you are. Let us deal with it because it’s what we do best. Then you can go back to doing what you do best: being a tough guy.

The Rove Difference

What do you want from your pest-control company? What kind of pests are you dealing with? What are your questions and concerns?

At Rove, we ask these questions because we believe you deserve pest control that fits you. We listen to you, answer your questions, and provide long-term solutions based on your specific wants and needs. We center our service on you.

We Have Locations In The Following Areas:

We Offer:

  • Free Consultation & Estimates
  • Interior Precision Treatment
  • Eave & Soffit Treatment
  • Wall Void Treatment
  • Trapping
  • Service Guarantee
  • Full Home & Yard Inspections
  • Power-spray
  • Granulate Yard, Mulch, Flowerbed & Shrub Treatment
  • Baiting Treatment
  • Nest Removal
  • Communication & Education

“Rove is by far the most professional and effective pest control company. When we called with an issue, they immediately sent a technician to resolve the problem. I have recommended this company to everyone in the area and will continue to do so.” Ryan W.Vole Treatment

“Tony with Rove came and sprayed the outside of all of our outbuildings and the inside of our main door for Box Elder Bugs with a safe insect repellant that is far superior to anything we have ever tried to use, and IT WORKED!” Ann G.Box Elder Bug Treatment

“I had cockroaches move into my dishwasher. I contacted Rove and the bugs were gone after only one treatment, and I haven’t seen them in a little over a year. I would definitely recommend Rove!” Jenna T.Cockroach Treatment

Find Your Location

About Rove Pest Control

At Rove Pest Control we take pride in serving our customers and creating long-term relationships with them. We have an excellent track record in both residential and commercial pest control services. We have always listened to our customers’ suggestions and concerns which has allowed us to create services that truly meet their needs.

Our Services

Rove Pest Control services both residential and commercial properties. We service a variety of pests including insects, arachnids, bed bugs, termites, Japanese Beetles, rodents, wildlife, and mosquitoes.See our Specialty Services page to see if we take care of theses pests in your area

Locations & Service Areas


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Home, Auto & Flood Insurance – Fort Myers FL #insurance, #auto


Choosing the right auto insurance is the key to keeping you and your car safe on the road in the event of an accident or other vehicle damage.

Home Insurance

Look after your biggest investment and everything in it with a proper policy that ensures its protection in the event of an accident or natural disaster.

Other Personal Insurance

Keep your confidential information and personal assets secure with extended coverage options including personal umbrella insurance.

Life Insurance

Provide your family with the security they deserve in the event of your passing with a life insurance policy that meets your financial and personal needs.

Recreational Vehicle Insurance

Insure your freedom for adventure with a recreational vehicle policy that covers everything from your boat and RV to your ATV or motorcycle.

Additional Insurance Services

Take care of all your specialty insurance needs and other services with extended policy options for your convenience and satisfaction.

Coverage for Specific Industries

Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business.

Coverage for Your Business

We’re committed to keeping your business protected so you can focus on your day-to-day operations.

Providing Premium Insurance Solutions in Fort Myers, FL and Throughout Southwest Florida for over Three Decades

Huff Insurance Agency, Inc.

The Huff Insurance Agency has provided exceptional risk management solutions in Fort Myers, FL and surrounding areas since 1979. We believe in providing optimal coverage at the lowest premiums and this belief is expressed in every service we provide.

For thousands of individuals, families, and businesses in Southwest Florida, we are the premier provider of insurance solutions. Our products and services are built around notions of transparency, productivity, and graciousness. We consider you a partner and client.

To understand your needs fully, we work with you one-on-one and match your needs with the right policies. This consultative approach is a hallmark of our business. Another hallmark is our ability to provide optimal coverage while keeping premium costs competitive. We have long-term relationships with numerous insurance carriers that help us achieve this.

For us, preparation is paramount. We know that protecting one s self long before risks become realities is the best way to go. This is why we have an ongoing investment in your coverage and protection. We consult with you on a continuous basis so that we can be a resource for education, protection, and counsel.

Our Providers


The staff at Huff Insurance Agency is knowledgeable and helpful. My calls have always been answered immediately or returned in a timely manner. The agents really do their best to provide me with the appropriate coverage at the lowest possible cost possible. I highly recommend giving them a call and obtaining a quote.

Jason is excellant. The best insurance agent we have ever worked with. He is incredibly knowledgable about all of his products. Very professional and the promptness of his service is very much appreciated. All of his staff are friendly, knowledgable, prompt and professional.

Jason, and his staff are always so friendly and helpful. I have been with this agency for over 20 years. In this time I have always had prompt and sincere service. They are concerned with keeping the cost affordable, and go above and beyond to take care of any issues and requests from banks, etc. I would recommend this company to all my friends and family.

Jason Huff is an exceptional insurance agent, very knowledgeable and professional. He is always available and shops for the best most affordable insurance for our personal needs.

Jason Huff is always helpful and willing to go the extra mile to assist us in our insurance needs!


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Home Theater and Audio Video in Seattle, Wa #home #security #systems



Seattle Sight and Sound has over 14 years of experience in custom electronics sales and installations. Our specialty is providing amazing entertainment systems for everyone, from simply mounting a wall hung tv, to wiring an energy efficient smart home. We will work with you from design to implementation in order to create a customized environment that will fit all of your tastes and preferences. Whether you have a current system that no longer functions properly or would like to start from the ground up, please contact us for a free consultation for your home or business.

Products and Services

At Seattle Sight and Sound we believe in selling high quality equipment. Only components from manufacturers known for excellence make it into our installations. We know our customers want value and expect quality that is second to none.

Let us be your choice for a custom home theater. There is no one size fits all solution for dedicated media rooms. We can work with you from design to implementation to build the theater of your dreams.

and many more

From whole house audio systems to dedicated 2 channel stereo systems, we can work through the mess of parts and wiring to build you the perfect system for entertaining and critical listening.

and many more

Home Automation Systems- Connected Home

One of the fastest growing categories in the industry. We can make your home controlled by voice, cell phone, tablet, or remote control. Let us come out and give you an estimate for home automation. The possibilities are endless and the improvements in your life will be quickly noticed.

and many more

Newtworking and Wireless Systems

With the ever increasing use of cell phones, tablets, and other internet connected devices, it is more critical than ever to have a properly set up home network. WiFi that can blanket your entire house is crucial to the reliability of every connected device you purchase. Let us come to you and perform a networking survey to improve your home network.

IP Surveillance- Security Cameras

Look in at your home or business from anywhere at anytime. IP surveillance offers HD cameras that are smart enough to see detailed images and provide alerts of motion and other events.

TV Mounting

At Seattle Sight and Sound we do a lot of TV mounting jobs. We probably mount more TV s than any other company in the city. There are a few things we must inform our customers of in light of current trends and our ability to perform this service correctly.

We do not suggest you buy a mount via Amazon or any other discount websites.

Seattle Sight and Sound strives to provide products and services that we can stand behind for years to come and often these mounts are of a subpar build quality and strength. They are not UL listed, meaning, they have not been properly tested to show that they can carry the weight and stress of a TV hanging from them. These mounts do not carry the proper certifications both my liability insurance, and your own homeowners insurance requires in case your TV falls from the wall and causes damage to your home.

To continue providing the greatest level of products and services we will no longer use any customer provided mounting equipment.

When mounting your TV we typically run your A/V cabling in the walls. The standard cables purchased online at discount websites or those that come with a piece of equipment are not properly insulated and built to be run in walls. Using these cables is both dangerous and an insurance liability. Seattle Sight and Sound makes sure to use the proper wiring every time to ensure a great quality and lasting installation.

For those who would like pricing and estimates of your TV mounting job

If you can provide some information to us we can put together an estimate in most cases with no need of a site visit.

1. Brand and model number of TV.

2. Type of mount you are looking for, there are three standard mounts:

Flat or Fixed: Mounts your TV in a flat and level position with no movement.
Tilting: Mounts will allow for the TV to placed in a fixed location with the ability to be tilted downward for higher locations such as over fireplaces.
Articulating or Full Motion: Mounts will allow for the TV to be brought forward, angled sideways, and tilting applications. These mounts are great option for open concept homes or if the TV will be mounted in a corner where it can sit at an angle.

3. List of equipment you would like to hook up to the TV. This includes cable boxes, soundbars, media players, DVD/BluRay players, and many other parts.

4. A picture of the area the TV will be mounted and a picture of the area or furniture where your equipment will be placed .


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Soda Dispensers IC Soda Bar System Oak Creek, Wisconsin #home #soda


Home Soda Bar Dispenser IC:
You always wanted a Real restaurant-type soda dispenser at home. We sell and ship hundreds of these home soda dispenser units everyday. Built with over 50 years of quality soda dispenser manufacturing experience, all our soda dispenser units are fully tested prior to shipping to ensure proper operation upon delivery. Our home soda dispenser works with the latest and most advanced Bag-In-Box soda syrup, the same soda syrup used restaurants, bars, and fast food establishments. Our home soda dispenser system uses a standard five pound CO2 tank which can be filled at any local carbonic supply store and comes to you complete with no other components to purchase.

Commercial Soda Dispenser Quality:
Our home soda refrigeration units and dispensers are made of the highest quality components, parts and design to ensure you many years of use. These soda dispenser systems are designed to save you money on your soda purchases and give you the highest quality tasting soda possible. The home soda dispenser system comes complete with everything you need: self-contained soda syrup refrigeration unit with carbonator, Wunder Bar soda gun, Catalina five pound CO2 tank, Flojet soda syrup pumps, quick connects for Pepsi and Coke Bag-In-Box soda syrup products, syrup brix cup, soda syrup separator, high and low pressure CO2 regulator and supply lines.

Self-contained dispenser refrigeration unit.
Wunder Bar soda bar gun and hanging bracket.
Syrup pumps and supply lines.
CO2 and syrup regulator.
One Catalina 5 lb. CO2 tank.
Quick connect for Pepsi and Coke products.
Installation kit, brix cup and syrup separator.

Bar gun countertop trim kit, with finishes in Chrome, Brush Nickel and Polish Brass.
CO2 Tanks (Back-up tanks for a continuous supply of soda.)
Water Connection Kit (For connecting the soda dispenser to your household water supply.)
Water Filter System (For your best tasting soda product.)
Bag-In-Box Syrups

The extra components can be purchased on the products page under the listing Beverage System Components.

Wunder Bar Gun:
If you want a Real bar gun, the same unit used in commercial locations, then this is the unit for you. Our design puts the power pack below the bar and runs an insulated duct line to the bar gun with re-circulating ice cold water to dispense your favorite soda ice cold. Our four or six flavor bar guns can dispense carbonated or non-carbonated drinks, along with one soda water and one water button.

The installation of this system will take about two hours and can be installed with the bar gun through the countertop using the countertop trim kit, or the included hanging Wunder Bar bracket.

Flojet Syrup Pumps:
Our syrup pumps are mounted on a metal bracket in groups of two or three depending on the bar gun system you order. We also supply our pumps with quick connects for Pepsi and Coke bag-n-box products.

Tap-Rite CO2/Syrup Regulator:
Our system will include one two pressure two product regulator with 6′ hose.

Easily installed with basic tools.

Soda Dispenser Refrigeration Unit:
Our SDFBGSIC stainless steel model is our home soda refrigeration unit perfect for under cabinet application. This unit must be installed no more than six feet away from the location of the bar gun and is ideal for your kitchen or wet bar use.

Facts on syrup:
Most syrup is mixed in a 5 to 1 ratio (this means 5 parts soda water to 1 part syrup). One gallon of syrup will make 6 gallons of finished product. The Bag In Box syrup is sold in 3 gallon or 5 gallon containers, and will produce 30 gallons of ice cold soda at the cost of 6 to 14 cents per 12 ounce drink.


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10 Most Dangerous Cities in North Carolina #shield #home #security


10 Most Dangerous Cities in North Carolina

September 12, 2014

What are the most dangerous cities in North Carolina? To get the lowdown on the cities in North Carolina that are the most dangerous with the highest crime rates, we consulted the most recent FBI Uniform Crime Report. Our rankings are based solely on the data publicly released each year by the FBI. A crime is a crime, so we took both violent and property crimes into account when compiling our list of North Carolina s most dangerous cities.

We realize that this topic is inherently controversial in nature and hits close to home. We are aware that there are many different ways to present this data, but when compiling this list we chose to consider not just murder rate, but both violent and property crimes. Check each city listing to get a general idea of the city s ranking in terms of just violent criminal offenses.

1. Lumberton, NC: North Carolina s Most Dangerous City

Population: 21,969
Annual Crimes Per 1,000 Residents
Violent Crimes: 20.39 per 1,000 residents
Property Crimes: 148.12 per 1,000 residents
Total Reported Crimes: 168.51 per 1,000 residents

Lumberton has a crime rate of about 169 per one thousand residents .

Your chance of becoming a victim of a crime in Lumberton? One in 16 .

Lumberton s ranking when considering only violent crimes? #1

These statistics make Lumberton the most dangerous city in North Carolina.

2. Kinston, NC

Population: 21,836
Annual Crimes Per 1,000 Residents
Violent Crimes: 12.82 per 1,000 residents
Property Crimes: 62.33 per 1,000 residents
Total Reported Crimes: 75.15 per 1,000 residents

Kinston has a crime rate of about 75 per one thousand residents .

Your chance of becoming a victim of a crime in Kinston? One in 13 .

Kinston s ranking when considering only violent crimes? #3

3. Asheboro, NC

Population: 25,535
Annual Crimes Per 1,000 Residents
Violent Crimes: 3.02 per 1,000 residents
Property Crimes: 70.41 per 1,000 residents
Total Reported Crimes: 73.43 per 1,000 residents

Asheboro has a crime rate of about 73 per one thousand residents .

Your chance of becoming a victim of a crime in Asheboro? One in 14 .

Asheboro s ranking when considering only violent crimes? #29

4. Hickory, NC

Population: 40,361
Annual Crimes Per 1,000 Residents
Violent Crimes: 6.57 per 1,000 residents
Property Crimes: 65.41 per 1,000 residents
Total Reported Crimes: 71.98 per 1,000 residents

Hickory has a crime rate of about 72 per one thousand residents .

Your chance of becoming a victim of a crime in Hickory? One in 14 .

Hickory s ranking when considering only violent crimes? #10

5. Goldsboro, NC

Population: 37,107
Annual Crimes Per 1,000 Residents
Violent Crimes: 8.41 per 1,000 residents
Property Crimes: 63.52 per 1,000 residents
Total Reported Crimes: 71.93 per 1,000 residents

Goldsboro has a crime rate of about 72 per one thousand residents .

Your chance of becoming a victim of a crime in Goldsboro? One in 14 .

Goldsboro s ranking when considering only violent crimes? #4


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Rowing Machine Reviews 2017 – Rowing Machine Reviews and Buyers Guide


Home Rowing Machine Reviews User Guide
Find Your Best Rower From The Top 2017 Models Tested Here

Our unbiased rowing machine reviews will help you find the best model for your needs and budget. There is a huge range of rowers available and you may find the choice a little confusing. The model you choose depends on your goals, the available room at home, and how often and for how long you intend to train. I hope you find this website useful.

To save you a lot of time, if you have a budget of around a $1,000 you can’t go wrong buying one of the most popular rowing machines of all time – the Concept2 Model D. For $945 you’ll get a rower that will last for years. and years, and has some great features. Gymnasiums and rowing clubs love it, and so will you.

Don’t be put off by the staggering choice of rowing machines out there. We can help you find the answers to all your questions, and ensure you get the best rowing machine that will get you into the shape of your life. We’re a group of personal trainers and ‘gym junkies’ who are fanatical about fitness and training. There is a massive range of home fitness equipment, you can spend anything from around $100 to well over $1,500 – so you can imagine the difference in quality and reliability.

However, buying the most expensive machine doesn’t always guarantee you’ll get a better rowing machine. There’s no point buying a top of the range model, if you only plan on using it two or three times a week. Likewise, it’s false economy to buy a budget machine if you intend to row everyday for an hour!

For more help on making the right decision see our guide to buying a rower , and also check out our advice for buying a used model .

If it’s been a while since you’ve last been active, it’s advisable to ease yourself gently into physical exercise. For advice on the types of activity you can help get you started, please visit www.healthfinder.gov.

Please note, we don’t receive any payment to test models and write up the review, we don’t sell rowing machines, and we don’t promote any particular brand. We’re only interested in finding good, reliable machines and the best prices and deals on the web. We use the income we earn through advertising and any commissions from retailers, to buy or hire models to test.

How We Compile our Rowing Machine Reviews

Our reviews are written by people who have spent at least a week using the machine or already own one and have had it for over a month. We rate each machine using the following criteria. We’ve recently changed the quick reference info-graphic which appear on each review page.

We rate the build quality, features on the rowing machine and value for money and then give it an overall score out of one hundred..

To read about the models we’ve tested to date, please see all our reviews . or use our comparison table to check the price verses features. We perform regular price checks, so we can recommend the best buys on the market. Our objective is to help you get the best rowing machine at a price you can afford.

We also offer training tips on how to get the most from your rowing machine. For example, one of the best ways to get great results from your workouts are heart rate training programs and we recommend this great workout program with over 20 workouts.

Choosing the right model for your needs and budget could make a huge difference to you health and well-being. We hope we can help you make it with this website.

About Me
Hi, I’m Roy Palmer and I love to row. I coordinate this website and test rowing machines and also use a number of rowers around the world to tell me what they think of their machines. I’m also an athletics coach and teacher of The Alexander Technique with over 25 years experience in competitive sport and coaching.

If you can’t see a rowing machine you’d like us to review, please let me know .

It has to be tried to be believed – check out the WaterRower Slider Dynamic .
Looking for a water rowing machine? Can’t go far wrong with First Degree’s Apollo Pro
Does it have to feel real to be beneficial? Latest blog item on full-motion rowers
Conquer? Never heard of it? Well now’s you chance – Conquer Magnetic review.
Should you go for Concept2’s Model D or Model E – check our guide here .
The shame of ‘catching a crab’ in front of a worldwide TV audience – read more.
Trouble with your heart rate monitor? Some very useful advice here.
Found this fascinating website about the history of rowing .
Visit Wikipedia for more history and info on rowing machines

“Thanks for the help, your website was awesome.” Chris Cannon aka Thechugdude – we won’t ask about the name :0)

“My best to you Roy and again thank you for taking the time to do your rowing machine reviews. They were a big help to me.” Skip Davis, San Diego.

We hope you find our unbiased and honest rowing machine reviews help you make what can be a difficult choice much easier :0)

You are here: Rowing Machine Reviews Home


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Rose & Graham Funeral Home Coats, North Carolina #rose #and #graham


Rose & Graham Funeral Home

Rose & Graham Funeral Home is a local, independently owned funeral service establishment that has been in operations since 1905. Our professional and caring staff is committed to serving the families in the Benson and Coats areas by providing quality and affordable services in a comfortable, homelike atmosphere. We are grateful for the confidence that the public has placed in us and we pledge that we will work diligently to keep that trust.

We are honored and committed to serve family members and loved ones in their time of need. Our professional and caring staff subscribe to the highest standards of funeral service by providing quality, compassionate, and dignified services to the families of Johnston, Harnett and surrounding counties.

In order to help you contact or if you need the address for Rose & Graham Funeral Home, their information is listed above. If you are interested in sending sympathy flowers to a family who has a loved one here, you can send funeral flowers to Rose & Graham Funeral Home now. The florists near Rose & Graham Funeral Home have a wonderful and diverse selection of wreaths and bouquets to help express your sympathy for the family.

Rose & Graham Funeral Home is located 0.18 miles from downtown Coats.

Do you own or work for this funeral home? If so, claim your Forever Free Basic Listing™ today!

Memorials and Rememberances

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Rose & Graham Funeral Home in the News

BC-AP News Digest 2 pm
MISSING GIRL-NORTH CAROLINA. during his funeral in Glagaharjo, Yogyakarta, Indonesia. AP Photo by Gembong Nusantara. ARGENTINA OBIT KIRCHNER: EDB138, A man dressed in a Gaucho outfit holds an Argentine flag and a red rose outside government palace in.

Mary Belle W. Bostic
Church Street, Benson, NC 27504, or to one’s favorite charity. Online condolences may be made to roseandgraham.com. Arrangements by Rose & Graham Funeral Home, Benson. Sign the guest book at kinston.com.

Rose and Graham Funeral Home
Rose Graham Funeral Home is an independently owned funeral service that has been .Rose Graham Funeral Home 301 W. Main Street 90 W. Stewart Street .

Announcements – Rose and Graham Funeral Home
Benson: Richard Allen Roberts and Justin Lee Powell have been named to the .

Rose Graham Funeral Home
Rose and Graham has been our family funeral home for over 30 years. The staff there are compassionate about what they do

Rose and GrahamFuneralHome
Rose GrahamFuneralHome is an independently owned funeral service that has been .North CarolinaFuneral Directors Association http://www.ncfda.org .

Graham. Winn – Rose GrahamFuneralHome. Coats. NC.
Graham. Winn – Rose GrahamFuneralHome. Coats. NC. Reviews and maps – Yahoo! Local, 910.897.7426. Get Ratings, Reviews, Photos and more on Yahoo! Local.

Rose & Graham Funeral Home Obituaries

No Rose & Graham Funeral Home Obits are listed at this time but if you need to send memorial flowers, you can do so by clicking this link .


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Home insurance for dog owners #home #owners #insurance #in #nj


Home insurance for dog owners

Depending on what breed of dog you own, where you live and your insurance company, it could be difficult to buy a home insurance policy that includes liability for your dog.

Roughly 44 percent of American households — 54.4 million households — have at least one dog, according to The Humane Society of the United States. But as the costs of dog-bite litigation spiral, some home insurance companies are refusing to write coverage for owners of certain breeds. According to the Insurance Information Institute (III), dog-bite claims account for more than one-third of all homeowners insurance liability claims, costing insurers about $570 million in 2015, up 16 percent from the previous year.

While there might not be an industry-wide “blacklist” of breeds, it’s best to check with your agent before you buy certain dog breeds. According to the Lester Kalmanson Agency Inc. which sells liability insurance to owners of dogs commonly identified as “dangerous breeds” the list could include:

  • Pit bulls
  • Rottweilers
  • Chow chows
  • German shepherds
  • Siberian huskies
  • Alaskan malamutes
  • Doberman pinschers
  • Presa Canario bulldogs
  • Great Danes
  • Boxers
  • Akitas
  • Wolf-hybrids

Some home insurance companies have lists of breeds and crossbreeds they will not insure; other insurers consider such breeds on a case-by-case basis, or charge more for certain “biting” breeds such as pit bulls. Some home insurers require dog owners to sign liability waivers for dog bites.

In Michigan and Pennsylvania, it’s illegal for home insurers to deny coverage simply because a home has a dog of a particular breed, according to III.

Some insurance companies will sell you coverage regardless of what type of breed you own. Jeff McCollum, a spokesperson for State Farm, says that there are good and bad dogs within each breed, just like there are responsible and irresponsible dog owners.

State Farm does require policyholders to answer questions about dogs on their home insurance applications. Specifically, the company wants to know if a dog has ever bitten anyone or if it has been trained for attack purposes.

If the dog has bitten someone, State Farm will want to know the circumstances surrounding the bite to determine if it is likely to happen again and if precautions have been taken to prevent it. Other factors the company looks at are the seriousness of the injury and whether the attack was provoked or unprovoked.

The overall number of dog bite claims has decreased, with 2015 seeing the lowest amount of bites since 2007, however the rise of medical costs per incident far offsets the decrease.

Dog bite history

Some companies will ask “Do you own a vicious dog?” on homeowner insurance applications. Previous dog-bite incidents will show up on your claims history, which insurers check before issuing a policy. Some insurers will consider whether an attack was provoked or unprovoked, but it depends on the dog’s history.

But other insurers may cancel or refuse to renew an existing home insurance policy, decline your application for a new one or attach an exclusion for the dog to the policy if your dog has even one attack in its history. The exclusion means the insurance policy would not cover any liability claims caused by the dog, making you personally responsible for any medical bills or lawsuits stemming from your dog’s actions.

Prevention is the best way to avoid home insurance claims

About 50 percent of dog bites occur on the dog owner’s property. The best way to make sure your home insurance won’t get cancelled is by preventing an attack. Spaying and neutering a dog can improve its disposition, especially with male dogs.

Don’t put your dog in situations where it will be threatened or teased. According to the Centers for Disease Control and Prevention, man’s best friend bites more than 4.5 million people in the U.S. each year. Roughly 800,000 of those people seek medical attention. Almost half of them are children who might not be aware that their behavior is threatening to dogs.

If there’s a bite

  • If your dog bites someone, respond right away. Restrain or confine your dog immediately. Then do whatever you can to help the victim, whether that means calling 911 or driving them to the emergency room.
  • Once the victim is taken care of, you might have to contact the local authorities to report the dog bite. You should then call your home insurance company, especially if there are medical costs involved. Be sure to cooperate with your insurance company. The claims adjuster will no doubt want to investigate the circumstances surrounding the incident.
  • Take steps to make sure a similar incident doesn’t happen. That might mean building a fence around your yard or sending your dog to obedience school. When all else fails, a certified animal trainer might help.

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GEICO Auto and Home Insurance #geico #quote, #geico #insurance #quote, #geico


GEICO Insurance Quotes

Everyone committed to confidence in the future, stability in life, needs a guaranteed protection and support in difficult times. The main goal of GEICO Insurance Company (Government Employees Insurance Company) to provide such protection. Today GEICO is among ten leaders of national security, demonstrating consistently strong financial results. By improving methods of doing business, GEICO Insurance Company is constantly working to improve services quality provided. Taking into consideration GEICO ratings we can offer you low cost deals from other companies also.

Home Insurance

Click at “Get a Free Quote” above to get the cheapest quotes on home policy.

Auto Insurance

Click at “Get a Free Quote” above to get low cost quotes on auto coverage.

Health Insurance

Click at “Get a Free Quote” above to get cheaper rate on health coverage.

Life Insurance Quote

Click at “Get a Free Quote” above to get low cost quote on life coverage.

Renters Insurance

Click at “Get a Free Quote” above to obtain quotes on renters coverage.

Our quotes and deals provide insurance of stuff owned by lawful objects on property rights, as well as pledged, leased stuff in event of loss or harm due of the next risks:

• fire (lightning, fire, piloted airplanes falling, explosion, their parts or goods that they transport);

• natural cataclysms (storm, hurricane, tornado, hail, torrential rain, pressure snow layer, flooding, tremor, rock falls and avalanches east, other natural catastrophes);

• the impact of watery (fluid water’s influence, boiler and sewerage systems, because of their run-off or break, including from neighboring buildings not owned by the protected);

• unlawful activities of third parties (stealing, theft, intentional obliteration or harm of property, including burning);

• impact of the vehicle on protected stuff.

Insurance quotes depend on the assurance object, chosen risks, assurance term, company you choose like GEICO, and other factors and is within 0, 09-1, 5% of the sum insured. Company paid by home and rental assurance within the sum insured and based on direct material size damages caused by loss or home property damage.

Driving out the road, we must remember that daily vehicle’s operation is associated with several types of risks. To protect themselves from the possible costs of damages, auto coverage is required both for individual as well as Integrated Programs:

• Property assurance risks, which are subject to direct cars (damage as accident’s result, theft, etc.);

• Risk personal injury assurance to driver and passengers of his car in a traffic accident;

• Liabilities assurance arising in relation to the third parties (damage to health, life, home, property because of an accident).

There are may be situations on the road, when the fault or car owner negligence takes road traffic accident (RTA) damage to property, health and third parties life. Companies like Farmers, GEICO effectively compensate such losses. At contract’s conclusion for a new term, lack of assurance compensation payment in intervening period, we, GEICO Company and many companies offers discounts.

The size depends on:

1. Vehicle capacity. The more powerful car needs, more expensive policy for him.
2. The seniority and drivers age.
3. The region. If you live in large city or region, GEICO auto policy will be more expensive.
4. The more drivers entered in GEICO policy, the higher quotes on auto insurance are.
5. Many of us do not make policy for whole year in GEICO and do one or two seasons only, this leads to his rise in price. GEICO offers discounts for those who draw up a policy for a year or more.
6. For each year of accident-free driving, you get 5% bonus, so you will pay less than 5% for policy in the following year. The maximum bonus is 50%, in 10 years of driving. However, if you have an accident, it inherits year, you lose bonus and need to collect all over again.

As you can see, many factors determine value of our or GEICO Auto Insurance Quotes and strength of each driver significantly reduce them, also you may compare such quotes with Liberty Mutual insurance. our rates, other companies, and choose. Add home policy option to pay less!

® GEICO and related GEICO trademarks and logos are registered trademarks owned by Government Employees Insurance Company, used under licence by GEICO, One GEICO Plaza, Washington, DC 20076 and certain of its affiliates.



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Personal Business Loans #debt #consolidation #loans, #debt #consolidation #loan, #home #improvement


Get a Personal Loan for Your Small Business

Looking for small business loans? Prosper can help you get personal loans to use for your small business.

Loans through Prosper are not traditional small business loans. Personal loans through Prosper are based on your credit score, and issued to you as an individual (not a business). For some small business owners needing loans, a personal loan won’t answer their needs—but for other entrepreneurs, it’s perfect. In some cases, such as when a business doesn’t yet have a proven track record, our small business loans can provide lower rates or even just the ability to get a loan.

Whether it’s a personal loan for a new business, a small business, or a larger, more established one, turn to Prosper for access to unsecured personal loans at the rates you’ve been searching for.

Get Personal Loans for your New Business

Do you have a great idea for a first time new business, but lack sufficient backing for a loan? We understand getting new business loans can be challenging, but we may be able to help you and your new business with the loans you need.

Turn to Prosper for access to unsecured loans at great rates. You won’t need to put up any collateral or refinance your home to get the funds you need. Personal loans for small business use are issued to you as an individual, and are dependent on your good credit. Because of this, Prosper can be great help for a new small business.

Need a Personal Loan for your Small Business?

Being your own boss in a small business often isn’t easy — but the rewards can be immeasurable. If you need loans for your small business, you’ve come to the right place.

One of the most difficult roadblocks to overcome can be finding the right small business loan at the great rate you need. And yet, small businesses provide the essential financial backbone in our local communities. At Prosper, we understand this.

Personal loans can be a sensible alternative to small business loans in situations where the small business doesn’t yet have a solid history of profit, or can’t currently provide the documentation and analysis a bank requires to consider a small business loan. The personal loan is issued to an individual—the business owner—based on their credit. It is ultimately their responsibility to pay back the loan.

Prosper is the right choice for Personal Loans for your Small Business

Prosper makes the entire process of getting loans for your new business or existing business easy. If you are new to Prosper, simply join as a borrower and request a loan by creating a listing. You choose the amount.

Why not apply now. It s easy to get loans, and posting a loan listing is absolutely free.

Can I obtain a loan with bad credit?

If you’re certain you have bad credit, Prosper may not be right for you at this time. Consider taking a few months to improve your credit rating, and then apply.

Do you need perfect credit to obtain a loan through Prosper? Not at all. Few of us have perfect credit. If you have average or above average credit, Prosper can be a terrific place to get access to low interest rate loans for you and your new business.

Don t believe us? See for yourself: Get rate now .

There may be Prosper investors out there who are specifically targeting start-ups that need new business loans. We want to help you reach your dreams.

Does my credit score affect my loan?

Yes. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure if you d qualify, we can help you find out now. for free, with no obligation.

Choose the right fit for your business

*For example, a three year $10,000 loan with a rate of 5.99% APR would have 36 scheduled monthly payments of $302. A five year $10,000 loan with a rate of 9.68% APR would have 60 scheduled monthly payments of $201. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

**All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

*Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.


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EMD Technologies – Your healthcare solution provider #practice #management #specialists, #medical


Your Healthcare Solution

Our Practice Management philosophy is simple. We aim to improve effectiveness and efficiency within a healthcare provider’s practice, by removing tedious and non-productive tasks from the practitioner’s schedule as far as possible, leaving the practitioner free to give their patients the care they require. At eMD we strive to ease the management and automate all repetitive tasks, such as submissions and orders. Whether managed care is your goal or you work on a fee for service model, or even a combination, eMD is the only powerful integrated platform which allows one to work today without limiting one’s options tomorrow.

Practice Management Software

Healthcare providers need specific and focused solutions, with intuitive workflows and rich specialty specific content. With eMD Technologies, Healthcare Solutions is at our core. Trusted by more than 3000 practices and more than 87 provider types.


Providers have to watch over different dimensions simultaneously, balancing quality care delivery and moderating costs by tracking workforce and their financials. Keeping a record of all these dimensions is impossible without using a centralized system.

Debt Management

Our dedicated collections and billing specialists are equipped to provide an unmatched level of service. Using aging reports, electronic claims processing, and monthly status reviews, we customize your billing and collections process so it’s quicker, easier, and simpler.

Information Technology Consulting

The changing healthcare environment means that healthcare providers need to respond with rapid transformation. Learn how we can help you increase organizational flexibility, agility and responsiveness, while reducing costs.

Healthcare Advisory Services

The eMD advisory services team work interactively to understand the unique fabric of our clients’ organizations. We formulate solutions that ensure your vision becomes a reality. At the eMD Group, we design your tactical solutions through well-developed project plans.

Training Services

It is vital in any area of business to offer continual staff training to your employees. This not only helps your employees improve their position in your company but will also enable you to draw the full potential from your workforce, and unlock the full effectiveness from your practice.

Electronic Medical Records

An EMR contains the standard medical and clinical data gathered in one provider’s office. EMRs go beyond the data collected in the provider’s office and include a more comprehensive patient history.

Mobile Web Application

With our new web based mobile App you will have a birds eye view of exactly what is transpiring in your practice at any given time and from any mobile device anywhere in the world, 24/7.


Our Practice Management philosophy is simply. To improve effectiveness and efficiency within a healthcare provider’s practice by removing tedious and non-productive tasks from a healthcare providers’ schedule wherever possible. Simply put, the healthcare provider should only have to see patients. Our system will ease the management of tasks and automate all repetitive tasks such as appointments, claims and orders.

As an added value extension of eMD Technologies; we have introduced our eRecoveries Department. Our collection is done in an assertive and professional manner which includes the sending of highly customized debt collection letters and telephonic follow ups. We use a number of investigative techniques and resources to gather as much current information as possible.


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Midland Car Insurance Agents #midland, #texas #insurance #agents, #midland, #texas #auto


Car Insurance Agents in Midland, TX

Find a Nationwide Insurance Agent in Midland, Texas

Nationwide auto insurance

Even with Midland’s vaunted public transit system, it’s all but impossible to enjoy all the city has to offer without a private use vehicle. Whether it’s a car, motorcycle, or truck, you can get dependable auto insurance coverage with Nationwide. Talk to one of our Midland auto insurance agents about the right coverage for your vehicle(s) and household, and discover how Nationwide has earned its 95 member satisfaction rating.

Nationwide homeowners insurance

Whether you live in one of Midland’s urban, suburban, or exurban neighborhoods, there’s no escaping Texas’s inclement weather and the related dangers that come with summer, winter, and every season. Talk to one of our Midland home insurance agents about the hazards that are covered in a standard policy and what supplemental coverage options make sense for your property, dwelling, and belongings. This includes exclusive products only available from Nationwide, like Brand New Belongings and Better Roof Replacement .

Nationwide life insurance

Ever since Midland founding it has been home to people with different lifestyles, family plans, and financial priorities. The city is proud of the continually increasing standard of living that has been achieved through generations of hard work and innovation. Let one of our Midland life insurance agents walk you through the different types of insurance, the right payout amounts, and other policy choices that make sense for your loved ones.

Nationwide business insurance

When it comes to protecting the gains made through hard work and innovation, Nationwide also offers a versatile selection of commercial insurance products for Midland’s businesses. Whether it’s professional services, consumer retail, or B2B contracting, whether your company sits on a busy storefront or it conducts its business completely online, our Midland business insurance agents can help you choose coverage.

Personalized Quotes and Insurance Coverage

Our online tool is a great way to explore your costs and policy options. Just tell us your zip and answer a few questions. You can then buy a policy directly online, but you can also talk to one of our Midland insurance agents at any point during the process.


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Home exterior contractor schaumburg #home #exterior #contractor #schaumburg, #siding #contractors #schaumburg



Cornerstone Exteriors provides only the highest quality windows for our
customers. Whether you need to increase energy efficiency, decrease
the amount of noise that enters from the outside or you want to
change the entire look of your home, we can provide windows that are
functional and beautiful. Turn to us to increase the aesthetic appeal and
value of your home with our approved products today.


    The siding on your home is what gives it style and personality. At
    Cornerstone Exteriors we want you to love what your home looks like,
    which is why we provide many products along with our superior
    installation. Get an exceptional return on your investment when you trust
    our professionals to help you select and install your new siding.


    When you are not sure about what your roof needs, the professionals at
    Cornerstone Exteriors can help you determine what is right – roof repair or
    roof replacement. If it is time for replacement, we offer a large
    number of products that meet any style and functional needs. Consult
    with our contractors today to determine which option is best for you!


    The gutters on your home play a large role in the beauty and safety of your
    home. Properly fitted and installed gutters are necessary to keep
    water away from your foundation which could cause water damage on the
    inside as well as extensive damage to the exterior. We offer a wide
    variety of products to meet even the toughest needs.


    Are you unsatisfied with the energy efficiency of your home? Start with your
    attic insulation and realize the amazing benefits of this inexpensive
    repair. Simply adding more insulation can help you realize a significant
    reduction in your utility bills without ever touching your roof or
    windows. Talk to our experts about how we can help your home today!


    The weather can wreak havoc on your roof and siding. Whether you have
    missing shingles, roof damage or damaged siding, the professionals at
    Cornerstone Exteriors can provide honest and trustworthy service
    and repair to make your home beautiful and functional once again.

    Cornerstone Exteriors Schaumburg s Award-Winning Home Improvement Contractor

    Cornerstone Exteriors is Schaumburg s renowned, award-winning home improvement company. We specialize in the replacement and installation of windows, roofing. and siding with premium materials. We are a proud family establishment and have a deep commitment to the communities we serve.

    Reliable: Fully licensed, bonded and insured. We partner with a network of leading U.S. manufacturers to provide only top-notch, quality workmanship and construction expertise. We know what our customers want in beautification, weather-proofing, environmentally-friendly improvements and lasting quality.

    Excellence: Our philosophy is centered on integrity, and our goal is excellence. Cornerstone is a no frills home remodeling company, home exterior contractor schaumburg and you get great value and unwavering service. We offer superior customer support that is personal and professional. We provide a hand-held approach and provide above industry standard warranties.

    Satisfaction: Our experience and expertise is evident in the quality of our work. Let us help improve the look, feel and value of your home. It s that simple. Build with a home remodeling company you can trust!

    Why choose Cornerstone Exteriors for your next major home improvement project?

    Peace of Mind: We re fully bonded, insured, and licensed.

    Reputable: We take pride in everything we do. We have several industry certifications under our belt, and we are also a member and award recipient from the Better Business Bureau.

    Locally Owned, Family Owned: We know your neighborhood, and we re here to stay!

    Affordable: Competitive pricing; special offers, energy-efficient products.

    Experienced: 3,000+ satisfied projects completed.

    Customer Service Driven: A designated point of contact will assist you every step of the way. We are here to assist.

    Abundant Selection: With extensive brand and product selections, you will find exactly what you re looking for.

    Knowledgeable: We are Chicagoland s premier experts on any home exterior project. We re here to answer all your questions. Go ahead, ask us anything!

    We encourage you to explore our site to get the answers and options you re looking for.

    I just had to write to tell you how much I enjoyed working with your company. You made the whole process of re-roofing and re-siding my home a lot easier than I ever imagined. Your company not only came out when promised, but actually finished the job earlier than anticipated. I must also commend your workmen. They were extremely neat and careful. I have a lot of plants around my house, they took care to not damage them. When they were finished, they cleaned up every scrap. I will be sure to recommend your company very highly.

    Judith Smucinski Naperville, IL

    Cornerstone Exteriors is proud of the awards and certifications that we have received:

    Our Services

    WINDOWS Patio Doors




    ATTIC Insulation

    STORM Damage Recovery


  • Cornerstone Exteriors Services Inc.

    8383 Greenway Blvd #600
    Middleton. WI. 53562

    Phone: (608) 960-4882

  • Cornerstone Exteriors Services Inc.
    License # 104.017005

    1228 Remington Rd
    Schaumburg. IL. 60173

    Phone: (847) 885-0097

    Recent Posts

    February 6, 2015

    January 30, 2015

    September 21, 2014

    Copyright © 2015 Cornerstone Exteriors. All Rights Reserved.


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  • Insurance Tampa #mynatt #insurance, #auto #insurance, #home #insurance, #business #insurance


    Mynatt Insurance: Insurance in Tampa / St. Petersburg and surrounding areas!

    Combining state-of-the-art technology and old-fashioned customer service

    Since 1925, Mynatt Insurance Agency has delivered peace of mind with insurance products designed to meet the needs of families and businesses throughout the Tampa Bay area. Located at 1316 West Busch Boulevard, Mynatt offers the kind of personal service that’s hard to find while providing unsurpassed efficiency and professionalism by using the very latest in computer hardware and software technology.

    Homeowner’s Insurance

    It’s the one place where you can always feel safe and secure. It’s where you make memories, raise children, celebrate holidays and live the majority of your life. Your home is your

    Auto Insurance

    Mynatt Insurance has been insuring drivers just like you throughout Pinellas County as well as the entire Tampa / St. Petersburg area for nearly a century

    Commercial Insurance

    Whether it’s a mom-and-pop convenience store or a shopping center, Mynatt Insurance understands the needs of today’s business owner

    Mynatt Insurance Agency is proud to be an independent insurance agency servicing thousands of clients from first-time homebuyers to local businesses in need of superior protection from a variety of risks.

    At Mynatt Insurance, the focus is always where it belongs: on you.

    We look forward to meeting all of your insurance needs, including:

      • Homeowners and Renters Insurance
      • Auto Insurance
      • RV / Motorcycle / Boat Insurance
      • Life Insurance
      • Health Insurance
      • Dental Insurance
    • Commercial Insurance
      (including commercial property, general liability, worker’s compensation, business automotive and all ancillary products)
    • Specialty Coverage
      (Hole-in-One Insurance, Event Insurance, etc.)
    • Flood Insurance
    • and so much more


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    Hathway Digital Cable Tv – Broadband Internet Providers #best #digital #set


    We at Hathway are guided by a vision – “To be a single point access provider, bringing into the home and work place a converged world of information, entertainment and services. Promoted by the Raheja Group, Hathway is one of the largest MSO cable broadband service providers in India.

    The Company’s Cable operations straddle across key Indian geographies and offers cable television services across 140 cities and towns and high-speed cable broadband services across 21 cities.The company has established 20 digital head-ends in the country. Hathway has been awarded the best MSO by the Indian Telly Awards for its quality Cable TV and Broadband Internet Services nine times and “Star News Brand Excellence Awards for Brand Excellence in Digital Products for Internet Services in 2011”.Hathway has been voted as one of the best managed media companies in Asia 2013 based on a study conducted by EUROMONEY.

    Hathway holds a PAN India ISP license and is the first cable television services provider to offer broadband Internet services. It is currently India’s largest cable broadband services provider, with approximately 1.4 million two-way broadband enabled homes. Its subscriber base constitutes approximately “52 %” of the total cable broadband market in India.

    In addition to our cable television and broadband service offerings, Hathway also has under it’s umbrella, Hathway Music non stop 24 hours Hindi music channel, and various local channels.

    Providence Equity Advisors India Pvt. Ltd (Providence) is a major corporate shareholder of the Company and holds 9.90%in equity share capital of the company. Providence has invested funds with over $23 billion in more than 100 companies operating over 20 countries since its inception in 1989.

    “Hathway’s mission is to provide an incomparable world class TV viewing & Broadband experience to every Indian customer.”

    Mr. Sridhar Gorthi
    Chairman & Independent Director

    Mr. Rajan Gupta
    Managing Director


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    Home, Auto and Farm Insurance – Minford OH #insurance, #auto #insurance,


    Pfleger Insurance

    Specialized Home and Auto Insurance in Minford, OH and Portsmouth, OH

    We re a locally owned and operated agency that delivers comprehensive and adaptable insurance and risk management solutions to individuals, families, and business. We ve served Southern Ohio with custom-tailored and flexible products and personalized services for more than 75 years and we re proud to have such a longstanding history. Our dedication to providing clients with the greatest possible value is complete and we show it with our offerings.

    As an independent agency we work with a variety of carriers, and as a result our coverage options are diverse and expansive. These options enable our clients to find the right solutions and make the best investments. The coverages we offer span many insurance programs, including home . auto . and life on the personal side and business . farm . and contractors on the commercial side. We re also An AIDCO agency, which means that clients have access to 24/7 claims services in addition to our claims services. This is an added bonus for many of our clients.

    Our first priority is to deliver optimal products but our offerings include more than products; they include personalized services. We manage risk and claims and keep clients informed. This helps clients reduce costs, achieve suitable claims resolutions, and make the best decisions. We re also fully available. Our principal lives within minutes of the agency and is available seven days a week over the phone if needed. Also, when unexpected events arise, we support clients through these events, whether they involve answering questions, resolving emergencies, and/or changing coverage.

    To learn more about what we do and how we do it, contact us or give us a call. You can start on a policy if you like by requesting a quote .


    Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

    I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

    Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

    Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

    They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.


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    Home Security Systems in Minnesota #home #security #systems #minnesota, #compare #home


    Home Security Systems in Minnesota

    Compare the Best Home Security Systems in Minnesota

    The security of your house is one of the most important aspects of home ownership you should never ignore. Serious people always take effective measures to ensure their loved ones and properties are safe from any danger. There are a lot of options available in Minnesota when it comes to choosing the best home security system. In most cases, buyers find themselves with a wide variety of options to an extent where they become confused and spoiled for choice. That’s why Wirefly embarked on a journey to do an extensive research with an aim of giving people some insights on the best home security systems in Minnesota.

    Wirefly has had lengthy discussions with the best security experts in the country in a bid to determine the most efficient home security systems. We also reached out to hundreds of customers who have had an experience with a security system to get some feedback on the quality of the products they used. In the end, we came up with an accurate and comprehensive report on security systems in Minnesota. In addition, we have included some crucial information on what a customer should consider when purchasing a home security system. We hope that this information will help our readers make informed decisions when buying home security systems.

    What is the Cost of Home Security in Minnesota

    Home security providers are abundant in Minnesota, and each one has its own plans, functions, benefits, and costs. Regardless of your particular needs, you can rest assured that there’s a suitable system out there for your house. Setup costs, hardware, and recurring surveillance fees are the three primary factors in calculating the full expense of your house’s alarm system. Having your system professionally installed could cost you as much as a couple hundred dollars, but you can install a lot of security systems yourself. A standard security system typically costs well over $200, but if you enroll in a monthly surveillance service, some companies will provide you with a system for free. With regard to surveillance services, subject to which features you need, you’ll most likely pay somewhere between $15 and over $200 each month.

    The Residents of Minnesota Can Benefit From Wireless Home Security

    The home security system industry has had an incredible revolution in recent times. It is now possible for clients to enjoy wireless security services in their homes. In Minnesota, wireless home security systems provide the fastest installation possible. Cellular signals facilitate wireless systems communication. It is easy to install a wireless security system because it does not require drilling of holes in your walls. The entire system components are wirelessly connected to the control panel. Therefore, you can move the parts with minimum effort. Thieves never like to encounter wireless security systems because they cannot be disabled like traditional security systems. It is impossible to disconnect cellular signals by cutting internet cables and phone lines because they do not use those mediums.

    Keep More Areas Under Surveillance by Using Home Security Cameras in Minnesota

    You can ask the security system company to modify your system to suit your specific needs. As the customer, you are at liberty to choose between interior cameras or exterior cameras. Moreover, you can choose more sophisticated types that have night vision and motion-activated features. These cameras will enable you to monitor any situation. You can also link your home security system to your tablet, computer, or smartphone to review previously recorded video clips from your cameras. Additionally, you can easily review the day’s important event by the use of monitor-activated cameras. Security cameras will enable you to monitor your pets, watch out for deliveries made, and know what is going on in your house when you are not around.

    Smart Home Automation in Minnesota Increases Protection

    Yes, homeowners can add additional smart features to their homes. There are many gadgets available that can make home life a little easier and safer. For example, door locks can now be automated. One can log in to the system anywhere and lock the doors or open them if needed. There are several reasons why someone might need to unlock their doors when they are not home. For one, this could be useful if a child or spouse forgets their keys. All one has to do is look through the digital peephole to verify that it is indeed a family member who is asking for the door to be remotely opened. Smart gadgets can be applied to your appliances, too. A heater or AC could be shut off or turned on without someone being home. This means that a homeowner can make sure his or her home is at an ideal temperature before anyone steps through the front door. The home automation system can alert a homeowner through his or her phone about more than just security breaches. The system can warn about a CO2 leak or water leak, just to name a few examples. Smart automation is the next logical, wise, and incredibly affordable step. Homeowners should take advantage of this opportunity.


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    Data Logger for GPS trackers, vehicle trackers and personal trackers #gps


    Data Logger for GPS trackers, vehicle trackers and personal trackers

    For Windows 2000 – Windows 10 (2016) (incl. Server, x86 and x64). Latest version: 2.7.9 build 802. August 2, 2017 .

    Brief description:

    Devices that use GPS to locate an object and a GSM channel to send data to the user have become widely used lately. With GPS trackers. you can create a vehicle tracking system that allows you to track the entire route of a car or another vehicle. Besides information about the location, a GPS tracker can use additional sensors to send data about fuel consumption, traveled distance, velocity and car alarm.

    It works in the following way: the GPS tacking unit uses a GPS or GLONASS receiver to determine its coordinates. The tracker reads data from sensors and generates a data packet containing all information about the vehicle. Then it uses the GSM transmitter or the GPRS data transfer channel to send the information packet to the server.

    Our program GPS Tracker Data Logger acts as the server and allows you to collect data from an unlimited number of various GPS trackers simultaneously. The obtained data is processed, uniformed and written to a log file or a database. Also, the program has a set of interfaces so other applications can get data in real time.

    Besides, GPS Tracker Data Logger can convert data into other formats (the formats of other trackers) and send them to other servers. It allows you to connect previously unsupported devices to existing systems or view data from heterogeneous GPS trackers with the help of integrated client software.

    What problems can be solved with GPS Tracker Data Logger?

    The advantages of using GPS vehicle tracking systems are undeniable as they allow you to considerably reduce your company’s expenses due to reduced expenditure on deviations from the route and prevented personal use of company vehicles.
    Our program allows you to reduce the amount of client and server software being used thanks to the possibility to receive and process data from various trackers. One configuration can process data only from one type of GPS trackers. To connect another type of trackers, you need to create a new configuration using the button with a green plus sign on it in the main window of the program or clone an existing one.

    Getting started is easy. GPS Tracker Data Logger is ready!

    The software installation wizard can create a basic configuration where you will be able to make all necessary changes. To make these changes, start GPS Tracker Data Logger from the Start – Programs menu. Select a configuration from the drop-down list and click one of the buttons near it. You can select the parser for your tracker on the Plug-ins – Query Parse Filter tab. If necessary, configure export to the database using one of the plug-ins on the Plug-ins – Data Export tab.



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    Auto, Home, and Business Owners Insurance – Gaulin Insurance Agency #insurance,


    Business Owners and Commercial Liability Insurance in Cranston and Throughout Rhode Island

    Safeguarding Rhode Island Residents and Businesses with Personalized Protection

    Families are built on a foundation of trust and honesty. This basis is not established overnight; instead, it s structured brick-by-brick on a long-term basis.

    At Gaulin Insurance Agency, we ve been working alongside clients in Cranston and surrounding Rhode Island communities for more than three decades. Our goal is to build a comprehensive insurance portfolio, designed to thoroughly protect your valuable assets. We re not just here to sell a policy. Our agents take time to thoroughly explain options available and remain accessible long after a policy is in place.

    Insurance Coverages Catered to You

    Along with business insurance offerings, we also promote a wide-range of personal insurance products. Homeowner and auto insurance serve as a foundation of coverage for many individuals and families. These selections can be bundled to access discounted rates and additional coverage options.

    We work one-on-one with our Rhode Island neighbors to determine their insurance needs. Taking this time early in our process confirms accurate, cost-effective coverage is pursued from the start. Every policy we produce is customized to the client s specific needs. For business owners, our agents often conduct onsite visits to develop an understanding of business operations and fully identify risks.

    If we re reviewing a client s existing coverage, and it s as good as – or better – than we can offer, we re not afraid to tell the client to stay where they are. We believe this response builds trust and integrity two elements of upmost importance to our agency.

    Along with clients, we also maintain a close partnership with Nationwide Insurance and a collection of other carriers . such as USLI, Hiscox, Progressive, and The Hartford. For our clients, this means a reliable insurance product is available to complement direct communication with a local agent.

    As an agency, we have designated business insurance specialists, as well as life and financial service specialists ready to assist. These individuals hold accreditation as Commercial Lines Coverage Specialists (CLCS), alongside Series 6 and 63 licensure.

    Our business insurance program was designed to protect the growth of Rhode Island companies. Whether you run an auto repair shop or operate a funeral home, we can cater coverage to meet the requirements of a variety of industries .

    Small to medium-sized businesses typically consider a business owners policy (BOP) . which combines essential offerings into a single policy. Commercial property insurance and commercial general liability coverage is traditionally included within a BOP. Additional coverages, such as commercial auto and workers compensation . can be supplemented to the insurance portfolio based on need.

    To gain more insight into the insurance products we offer, contact an agent at your convenience.

    Agents Focusing on a Family of Clients

    We re prideful of our reputation as a hardworking, family-owned business with more than 100 years of collective experience. Since opening shop in 1983, we ve developed longstanding relationships with clients in various Rhode Island communities, including Cranston, Warwick, and Providence.

    These clients enjoy access to complimentary On Your Side Reviews on an annual basis. Through this service, one of our customer service specialists will reach out via telephone approximately 60 days prior to renewal to schedule a meeting. If questions arise beyond these scheduled meetings, we are committed to returning every phone call and email within 24 hours.

    Aside from insurance services, we are also committed to serving our local community. The agency sponsors a softball team associated with a local organization, Teamworks . As an agency, we ve been members of the Cranston Chamber of Commerce for two decades. During the holiday season, our agency organizes a food drive to support the Rhode Island Community Food Bank .

    If you re interested in joining our family of clients, feel free to request a quote .

    Additional Resources:

    Our Location


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    Advanced Water Products – Services designs, installs, and services water treatment


    Advanced Water is owned by Environmental Technical Group, Inc. (ETG), a full-service environmental consulting
    and training organization. ETG specializes in Health Safety Training and Environmental Inspection Services
    (asbestos. Phase I) for commercial, institutional, and residential clients.

    Advanced Water has been solving water problems in homes, businesses, and municipalities since 1977. Unlike
    most water companies who are more sales organizations than service providers, Advanced Water is owned, staffed,
    and supported by an experienced team of experts who care about you and the water problems affecting you and
    your family.

    Based in Central New York. we service Onondaga, Madison, Oneida, Cayuga, Oswego, Jefferson, Wayne Counties
    and beyond efficiently from our Syracuse headquarters. Our Homer, NY branch office services Cortland, Tompkins,
    Broome, and Chenango Counties. Supported product sales are available to customers nationwide.

    Advanced Water designs custom systems to eliminate simple to severe water problems including hardness, iron,
    sulfur, bacteria, sediment, odor, color, chlorine and trihalomethanes, organic compounds, tannins, colloidal clay,
    lead, mercury, stained fixtures, and others. We use proven components and sensible designs carefully selected to
    give our customers what they are looking for: Good Water!

    Our residential and commercial products and systems include: softeners – including state-of-the-art self-sanitizing
    systems; reverse osmosis (RO) units – both point-of-use and whole-house; carbon filtration systems; chlorination
    systems; filters; ultraviolet (UV) sterilizers; and more.

    Whether you have a problem with e-coli or coliform bacteria, hard water, rotten-egg odor, brown or red water, lead,
    rust, cloudiness, corroded or crusty fixtures, stained fixtures or dishes, or a multitude of other water problems – we
    can help. We can test for many problems right on the spot – for free. Some tests require a laboratory – we can
    provide bottles, instructions, and guidance in choosing the correct tests for your particular needs.

    Advanced Water supports it’s products and systems with service. Whether it’s routine or emergency, our technicians
    and trucks are on call when you need them. For annual system checks. parts, filters, lamps, upgrades, and any
    other service need on an Advanced Water system and many other brands, we’re just a phone call away.

    Advanced Water also performs Septic Dye testing and Well Flow testing for real estate transactions.

    Advanced Water
    995A North Avenue
    Syracuse, NY 13206
    (315) 451-2233 phone
    (315) 458-0526 FAX
    For more information click here
    For Directions to Advanced Water click here

    Copyright 2005-2013 Environmental Technical Group, Inc.


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    Home Page – Cruise and Maritime Voyages #cheap #cheap #tickets

    #maritime travel

    Booking Hotline (855) 206 4897

    120-nights from just $12,869 > January 5, 2017

    Round the World Cruise

    Europe, South America, New Zealand, Australia, China, Vietnam, and more await you on this grand voyage of a lifetime!

    CMV SIGNATURE River Cruises

    Top Deals of the Week

    Grab a bargain with one of our reduced price, late deals.

      Amazon, West Indies & Azores

    42 nights, was $12359.00 Now just $3619.00 Departing London Tilbury, 05th January 2016 Baltic Cities & St. Petersburg

    12 nights, was $3859.00 Now just $1349.00 Departing Hull, 23rd May 2016 Grand Maiden Round the World Cruise

    120 nights, was $39639.00 Now just $12869.00 Departing London Tilbury, 05th January 2017 Springtime Canary Islands and Madeira

    14 nights, was $1439.00 Now just $1259.00 Departing London Tilbury, 12th March 2016

    Tune in to CMV TV

    Our much acclaimed dedicated channel of video programmes telling you about Cruise Maritime Voyages. Tune in now!


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    Home – Global Tours – Travel #tibet #travel

    #tours and travels


    Private Jet Charters

    Interested in Jet Charters? Our associates at CHELSEA AVIATION GROUP will get you there in ultimate style, comfort, and safety. and excellent value!

    GTT Travel Gift Cards and more.

    a perfect gift for anyone

    Give the golfer in your life a great golf vacation. and a great putting stroke! Our new ACCUPUTT indoor putting training system is guaranteed to improve putting accuracy by at least 50% in 30 days! (results validated in independent consumer test by GolfTest USA)

    Sunny Vacation Destinations


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    Las Cruces Attorney Estate Planning Probate #law #office, #el #paso, #estate


    El Paso office Map:
    4110 Rio Bravo, Suite 220
    El Paso, Texas, 79902

    Meetings by appointment only

    Estate Planning, Probate and Trust Law in Las Cruces and greater El Paso area.

    Alan Gluth specializes in estate planning, gift and estate taxation, probate and trust matters, fiduciary litigation and tax-exempt organization matters in Texas and New Mexico. If you or your family has any questions or needs in these legal areas, Alan Gluth is qualified to help you.

    • Free initial consultations
    • Flat fee billing for most matters
    • Board Certified in New Mexico and Texas

    Mr. Gluth is board certified in estate planning, trusts and probate law by the New Mexico Board of Legal Specialization of the State Bar of New Mexico and is one of only eight attorneys in the State of New Mexico to currently hold this certification in New Mexico. Alan Gluth is also board certified in estate planning and probate law by the Texas Board of Legal Specialization of the State Bar of Texas and obtained this designation in 2003.

    Mr. Gluth was named to the New Mexico Super Lawyers list as one of the top attorneys in New Mexico for 2012, 2013, 2014 and 2015. No more than five percent (5%) of the lawyers in New Mexico are selected by Super Lawyers, and at age forty-five (45), Mr. Gluth is one of the youngest attorneys in southern New Mexico to have obtained this designation and one of only four attorneys in New Mexico to be named to the New Mexico Super Lawyers list in the area of estate planning and probate law.

    Alan Gluth currently practices as a sole practitioner under Gluth Law, LLC after being a name partner in another law firm for several years. Mr. Gluth received his law degree from The University of Texas at Austin in 1998.

    Civic and Personal Information

    Mr. Gluth is married to JoAnn and they have four sons: Collin (18), Braden (14), Preston (13), and Peyton (7). Outside of his professional activities, Mr. Gluth and his wife are active in his sons’ extracurricular activities and volunteer at schools within the Gadsden Independent School District. Mr. Gluth and his family reside close to La Union, New Mexico.

    Alan Gluth is responsible for the content of this website.


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    Home – New Orleans Metropolitan Association of REALTORS®, new orleans home


    New Orleans Metropolitan Association of REALTORS®

    New orleans home insurance

    New orleans home insurance

    New orleans home insurance

    New orleans home insurance

    New orleans home insuranceNew orleans home insuranceNew orleans home insurance

    Hurricane Preparedness

    In light of Hurricane Harvey, it is imperative that ALL members, their loved ones, and clients prepare in case of emergency. We have compiled a list of resources and helpful graphics at www.nomar.org/hurricane and linked to other sources of information. Click here to see all of the information you need to beprepared, not scared.

    New orleans home insurance

    School Supplies and Check Donation to Boys Girls Clubs of Southeast Louisiana

    New orleans home insurance

    Our 2017 NOMAR President Josie DeGrusha presented school supplies and a monetary donation to the Boys Girls Clubs of Southeast Louisiana, all of which were collected at our Young Professionals Networks’ mixer at Fulton Alley. Thank you to everyone who donated to this awesome organization! We are very excited to be able to give back to an organization that does so much good for the youngest members of our community. Click here for pictures from the event.

    Urgent Flood Insurance Update

    NAR has issued Call for Action asking Congress to support HR 2874 to reauthorize NFIP. NOMAR and the Louisiana Congressional delegation oppose this bill, as it has provisions that would be harmful to the Louisiana housing market. We are asking you to disregard or delete the email and/or text alert when you receive it. Stand with NOMAR and our Louisiana Congressmen and DO NOT take the Call for Action. Click here for more information.

    Discounted Forecast Tickets Available Now!

    New orleans home insurance

    Buy your Economic Real Estate Forecast tickets early for a special discounted rate of only $35! Hurry, this deal only lasts until September 19! From September 19 – October 7 ticket prices go up to $45. At the door, tickets cost $60. Click here to get your tickets now!

    Join us for our Seventh Annual Economic Real Estate Forecast Symposium on Tuesday, October 10 from 12:30 – 5 p.m. at Loyola University New Orleans. The forecast will be immediately followed by a social in the courtyard with complimentary cocktails and speaker interaction.

    Discounted ticket sponsorships are also available. Click here to fill out the form.


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    Christian Carpet Cleaning & Water Damage Repair 513-831-4920 #carpet #cleaning, #carpet


    Linda Joseph / Mason OH
    I had a problem area at my front door that was very dirty and it was also wrinkled so badly that it was difficult to close my door. Very embarassing when someone came over. The guys from Christian Carpets not only took out the wrinkles but they cleaned it also and it looks like new! Thanks guys.

    Terry K. / Florence KY
    I just wanted to say thanks for squeezing me in on the sameday of the call. My carpets look great!

    Deloris B. / Madeira OH
    We had a very severe pet urine odor situation in the basement that we just couldn’t get rid of. Justin and Mike pulled my carpet back and showed me how severe the damage was underneath. No wonder the smell was so bad! They replaced my padding and treated the back of the carpet and sure enough the smell went away!

    Karen / Fairfield OH
    I manage a large apartment complex in North Cincinnati and I have been using the guys from Christian Carpets for years. They do all of my cleaning as well as carpet stretching carpet repairs. I have always been happy with their work and I especially love being able to call on short notice and get service on the same day!

    Cincinnati Carpet Cleaning and Water Damage Restoration. Welcome to Greater Cincinnati’s Only “TRUE” Full Service Carpet Cleaning Company Water Damage Restoration Company.

    We are proud to say that in 2007 – 2010 we completed more combination “Carpet Stretch Clean” jobs that any other company in Greater Cincinnati Ohio!


    A 513Flooded.com Member


    Full Service Water Damage Restoration

    Our certified technicians are able to complete the entire job from the initial water extraction to the reinstallation of your carpeting. We utilize digital moisture sensors and the latest dehumdification processes. For our 24 Hr Emergency Hotline, Call 513-557-0517.

    Our Water Damage Restoration Division Teams are experts in Water Extraction, Structural Drying, Water Damage Cleanup, Flooded Basement Dryouts, Sewage Backup Cleanup and Restoration for both commercial and residential clients. Whether you need Repairs for a Flooded Basement, Water Damaged Walls and or Ceilings, Flooded Wood Floor, or any other repairs caused by water or mold; don t hesitate. Serving Greater Cincinnati Ohio. If you need water damage restoration in Cincinnati call us.

    We pay up to 25% of your Deductible!

    Cleaning carpeting and then spraying on a deodorizer does not always work when dealing with pet urine related odors.

    If the urine has soaked thru the carpet backing and soaked into the padding, then for the treatment to effectively work – the back of the carpet and the padding should be exposed and treated.

    Because every situation does not require such a aggressive approach, we do offer a basic “clean and deodorize” that works just fine for most situations that we come across. Call your Cincinnati Carpet Cleaning and Water Damage Restoration company to solve your pet urine related issues.


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    Structural and Home Warranty Service, 2-10 HBW, new home warranty texas.#New


    New home warranty texasdelight, knowing you protected your dream home with the most comprehensive coverage available.

    New home warranty texas New home warranty texas

    New home warranty texasdelight, knowing you protected your dream home with the most comprehensive coverage available.

    New home warranty texas New home warranty texas

    Let us help you get started!

    2-10 Home Buyers Warranty ® (2-10 HBW ® ) is the only company that can protect your home with structural coverage for new construction homes and systems and appliances coverage for all homes. Get a quote today—and protect your home.

    Already covered by 2-10 HBW?

    Structural Warranties for Home Builders

    2-10 Home Buyers Warranty ® (2-10 HBW ® ) is the industry s leading home warranty company, providing solutions to home builders and construction professionals to help reduce the liability to their home building business and protect homeowners for a full 10-years. Submit your contact information to learn more about our structural warranties and other new construction products.

    Thank you for your inquiry! A risk management specialist will be reaching out to you shortly.

    Did you know? 94% of home buyers said they are more likely to purchase from a home builder that offers a structural warranty.

    (Source: Survey co-sponsored by the National Association of Home Builders and 2-10 HBW.)

    Home Warrany Service Agreements for Real Estate Professionals

    As a real estate professional, we can add value to all of your real estate transactions, whether you are a seller s or a buyer s agent. Submit your contact information to learn more about why 2-10 Home Buyers Warranty ® (2-10 HBW ® ), and our industry-exclusive Home Warranty Service Agreement, is the right choice for your clients.

    Thank you for your inquiry! Please check your email for additional information and we will be in touch with you shortly.

    Did you know? 90% of home buyers were more likely to buy a home that was covered by a Home Warranty Service Agreement.

    (Source: Survey co-sponsored by the National Association of Home Builders and 2-10 HBW.)

    Systems & Appliances Service Agreement

    Our Home Warranty Service Agreement covers unexpected breakdowns for the home s major systems and appliances.

    • Systems: Air conditioner, electrical, heating, plumbing and more.
    • Appliances: Dishwasher, refrigerator, microwave, oven and more.

    New home warranty texas

    Structural Warranties

    Protect your new construction home for up to 10 years from structural damage.

    • Ten full years of insurance-backed structural defect coverage on qualified load-bearing components
    • HUD and FHA approved

    New home warranty texas

    New home warranty texas

    Knowledge Center

    Visit the 2-10 HBW Knowledge Center for:

    • Frequently Asked Questions
    • Resources
    • Marketing Tools and Materials

    Need To :

    • Submit a service request?
    • Register, renew or enroll?
    • View work orders?
    • And more…

    Join Our Online

    New home warranty texas

    I have been very pleased with my decision to put my own home under 2-10 HBW’s program, even though my home is relatively new. Having a home warranty service agreement is being prepared for what might happen. Even if you never need to make the call to have something repaired you have peace of mind throughout that time frame to relax knowing the “what ifs” are covered

    New home warranty texas

    In today’s business environment, building and remodeling professionals who actively seek a competitive edge provide construction warranties. Warranties can promote brand recognition, serve as a marketing tool, and be used as a dispute resolution device.

    New home warranty texas

    We have been a 2-10 Home Buyers Warranty ® customer for almost 20 years. Prior to choosing 2-10 HBW, we did our due diligence on who provided the best product for our clients coupled with the absolute best service in the business. We are proud to call 2-10 HBW a partner in our business and look forward to many more years together!


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    Closing Cost Calculator, refinance home no closing cost.#Refinance #home #no #closing


    Closing Cost Calculator

    Buying a home? Expect to find mortgage fees and closing costs. You’re going to pay. A lot. But how? What’s the best way? Pay them all now. or a little bit at a time? Are you really always better off paying them out of pocket today? What are my options, and how will they work out for me?

    For FHA or VA borrowers, upfront costs like the first year’s mortgage insurance premium or funding fee can be included in the loan amount. In all cases, though, the question remains: “Is it better to pay closing costs and fees out of pocket, finance them into the loan amount, or trade them for a higher interest rate?” There’s no one simple answer, since each choice has its own benefits and total costs over time. One may be more or less expensive depending upon how long you’ll hold onto the mortgage. And yes, even a “no-cost” mortgage choice will have costs!

    You can’t escape running into the puzzle of proper “asset allocation.” You’ll need to decide how best to use your limited funds to cover a down payment and the fees and costs associated with getting your new mortgage. Even if all three methods aren’t available to you, you’ll usually need to compare at least two options.

    HSH.com’s FeePay BestWay calculator will allow you to run the numbers for a t raditional method of paying those costs out-of-pocket against h igher loan balance or even no-cost choices to help you see how the costs of each will work for you over time. Fill in the information once and compare the costs or savings the other choices might bring.

    The Traditional Method calculator assumes you pay the closing costs out of pocket today. We assume that typical fees will be approximately 2 points (2 percent of the loan amount) but if they are more or less you can change it; just type the expected total dollar amount into the yellow box.

    In a Traditional method, you pay the fees once, and then they are gone.

    The Higher Loan Balance calculation uses the Estimated Costs you plugged into the Traditional calculator, and adds them into the outstanding loan balance. If you are an FHA borrower, you should add in your up-front mortgage insurance premium (MIP) in the space provided in this calculator. If you are a veteran borrowing a VA-backed loan and will be financing all or part of the VA funding fee, make sure you add that cost here to get the most accurate results.. A larger loan balance will raise your Loan-to-Value (LTV) ratio, and may affect the cost of or require you to obtain mortgage insurance, so you’ll need to consider this cost if it applies to your situation.

    Since you are financing the costs, you’ll not only pay them but also interest on them. However, you are only paying them a little at a time, and depending upon how long you remain in the mortgage, they may cost you more or less than if you paid them right up front, as you would have using the traditional method.

    A “No-Cost” offer might be your best bet if you don’t have cash to spend or available equity to commit toward your costs. Your loan will have a slightly higher than market interest rate, so your income will need to be sufficient to be able to handle the higher rate. If it isn’t, this higher rate can lower the amount of the mortgage you can qualify for, and that might disturb your purchasing plans.We assume that the interest rate available for a “no-cost” mortgage will be a half-percentage point higher than if you had paid the fees. If a lender offers you something different, you can change the information in the yellow box, then re-calculate the results.

    In effect, since the whole amount of your loan will be exposed to this “higher-than-market” interest rate, this choice may cost you more over the long haul. If you’re not planning on being in the mortgage for the entire term, this choice may work better for you, so run the numbers to see.

    Below the initial calculations, we’ve provided some examples of your costs over time, including the interest cost and the remaining loan balance after a given period of time. This way, you can see what those costs will be at varying intervals. You might find, for example, that relative to your time frame, incorporating the fees into the interest rate might mean they cost you less in interest over a given period than the amount you might have paid out-of-pocket up front.

    Before you add in your actual numbers, we suggest that you use the following example in order to make it easier to follow the discussion of savings comparisons below. Use a $100,000 loan amount, a 4% interest rate and a 30-year term, press calculate, then read the example results below the calculator.

    Tip: Check current mortgage rates to make sure you are getting the best deal on your mortgage. To learn more about homebuying, mortgage qualification and more, visit our library.

    The Blue , Green and Orange displays above will allow you to see if paying or financing the costs of your loan works out for you over given time horizons. When you pay the fees up front, your interest charges will of course be lower over time compared with the other choices. but over how much time?

    Note: you might not have all three choices available to you.

    Let’s say that after a year Traditional method has seen you spend a total of $3968 in interest cost. Over the same time, the Higher Loan Balance (HLB) interest cost is $4047, while the “No Cost” option has seen you pay $4467.

    If you should suddenly sell your home after a year, your actual cost for the Traditional finance method would include the $3968 in interest, plus an additional $2000 in closing costs for a total of $5968, while the other choices would have cost $4047 and $4467 respectively, so you would have been better off with one of them.

    Factoring in the differences in remaining loan balances does change the equation, though. At the end of the 12-month period you still owe $1965 more on the HLB than the traditional refinance, bringing the total of your HLB refinance to $6012, just slightly more than the paid-up-front choice.

    However, building those costs into the interest rate means your “no-cost” choice has seen you spend $4467 in interest, plus the $148 differential in remaining balance

    – so the total cost after 12 months is only $4615, a clear winner. but only over this very short time horizon.

    These relationships change over time, however. After 10 years, you’ve spent a lot more in interest charges in the “no-cost” method than you would have if you chose to pay costs or build them into the loan amount.

    All this said, in order to determine what your best choice will be over time, you’ll need to compare both interest costs and remaining balances among the various methods.


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