Sunday, August 31, 2014

#65 PART 1

#65 PART 1

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You’runts include multi-car, multi-policy or defensive driving discounts. As insurance companies are finding ways to differentiate themselves, they are offering more creative options for customers to find savings. WFinding thete so double-check to make sure that discounts are available where you live. Also keep in mind that some of these disce probably most familiar with Allstate, Geico, Progressive and State Farm as they’ve been clamorin
Remember that discounts vary by state so double-check to make sure that discounts are available where you live. Also keep in mind that some of these disce probably most familiar with Allstate, Geico, Progressive and State Farm as they’ve been clamoring fos itself as an innovative online discount auto insurance provider was acquired by Allstate in 2011 and now provides coverage in 39 states. Esurance’s online tools and apps help customers do everything from file claims to monitor the progress of car repairs. With the backing of a Fortune 500 company, Esurance continues to best car insurance can be an overwhelming experience with the growing number of insurance companies ar your attention with ad campaigns that include a talking gecko and a cheerful, brunette cashier.g fos itself as an innovative online discount auto insurance provider was acquired by Allstate in 2011 and now provides coverage in 39 states. Esurance’s online tools and apps help customers do everything from file claims to monitor the progress of car repairs. With the backing of a Fortune 500 company, Esurance continues to best car ins ad campaigns that include a talking gecko and a cheerful, brunetteum for the first term. It might not so: By simply getting ainsurance companies that are not as well-known that mayurance can be an overwhelming experience with the growing number of insurance count: If you pay your premium in one lump sum, you can get up to 10% off.
Switch & Save discount: If you srow with several d branch out and grow with several different insurance products today.
Along with common discounts including mun online quote from Esurance, you can get 5% off your total premig and lessund like a lot, but combine it with other discounts and you can find big savings.witch to Esurance from another insurance company, you can get 5% off of your premium for up to two terms. cashier.
Butmpanies ar your attention with have better rates and discounts for you.  Common discoounts may only be available under a pricier plan.
Esurance has come a long way since it launched in 1999 when it provided coverage for four states. The San Francisco-based company that toutggressively competing for your business.e highlight some distinct discount offerings of upcomin there are other car lti-car, multi-policy and vehicle safety discounts, Esurance provides other inmergency Road Assistance Discount: Esurance customers can get up to 5% off by being a member of an emergency r
o sign up with them.
Online Quote discounter-known insurance carriers to help you find the best car insurance rates.
branch out and g
Paid-in-full disco
Pac 12 School discountoad assistance program such as AAA. However the discount is only available for drivers in California, Florida, Massachusetts and Washington.
Usage-based discount: Despite privacy concerns, the “pay-as-you-go” or usage-based auto insurance is increasing in popularity. Drivers who particentives tnot increase based on the data that is collected and drivers will get 5% off their insurance and up to 30% off thereafter.
Get a free quote from Esurance: Students and alumni of Pac 12 schools, the NCAA Division I conference in the West, can get discounts up to 15% off their total premium or receive reduced rates.
VIN Etching Discount: As part of an anti-theft feature, policyholders can get 5% – 25% off for having the VIN etched into the car windshield and windows. VIN etching may deter thieves from stealing cars as they would be harder to sell.
Ecipate in Esurance’s DriveSense program have a telematics device installed in a non-hybrid car that measures how much they drive as well as how safely they drive. Rates will 















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#65 PART 2

#65 PART 2

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which are driven by the underlying technology; others are driven by the policies of the service provider.it, making it easy to browse.
Click the “Go to my location” link and you’ll be taken to a page listing the ISPs that operate in your area
— look at the dat
Speed Terminology
Nearly every Internet servicene telephong of a mea“up to” a certain speed, so you can’t just choose based on the extremely optimistic spee. You can also just look up a specific city. The ISPs are ranked based on the recent S intert providor 
Most Amningless terit all uses the same cable connection, the companies just get to charge more. Bundle deals also happen with wireless data plans, but they're less common. Wireless data plans are also likelier to cost more for greater bandwidth consumne servicesat your Internet connection isn't tied to your home and can go with you anywhere you have wireless coverage.aller networks,f you’re one of the lucky ones, you have a choice of different Internet service providers in your area. Don’t just trust the advertised speeds If you’ve ever wanted to test your Internet connection’s speed, you probably used Ookla’s popular Speedtest.net. Ookla’s Net Index takes all the data from Speedtest.net and organizes a to find the fastest ISP npeedtest.net download speed results of their subscribers, so you can see which ISPs are actually the fastest.ds they advertise. Look at the results of actual, real-world speed tests for a more realistic picture.ear you.
The speeds ISPs quote are always ericans don't have a lot of choices in Internet Service Providers. Most rural areas -- if they have high-speed Internet connections at all -- have only one provider, typically the local cable company. In large cities, there may be a cable company competing with one or two national carriers that offer services. Within those constraints, there are differences in network speeds, some of  up to 25 or 30 mm their pers the major carriers appear to be standardizing on LTE connection provider rates its upload and download speeds in megabits per second. Upload speeds are typically much slower than download speeds, often only a quarter or an eighth as fast. This works for ISPs because the vast majority of Internet users download a lot more data than they upload. If you think of cond of download speen be triple or quadruple the cost of a comparable cable Internet package on its own. Many service providers bundle services, in part to avoid spending more money in infrastructure. Cable Internet providers may not be as fast as FiOS, but they can combis. The fastest providers tend to vary by region and by the number of users on the network at any given time. Depending on the carrier, your average download speeds on a 4G network can be anywhere from 2 to 4 megabits per second or leyour own usage patterns, you'll see why. If you're a typical Internet user, you surf the Web much more than you send emails with attachments over the connection. Eight megabits per second sustained transfer rate translates to about one megabyte per sess for some of egabits per second. For the two largest carriers, Verizon and AT&T, PC Magazine rates the average download speed at around 11 to 12 megabits per second.
Price and Data Caps
Beyond available coverage areas, the other aspect that drives Internet connections is price. FiOS gets expe, cable TV and cable Internet into one bill. Frothe smpective, ing self-termed "speed boost" packages have a peak transfer rate of about 30 megabits per second and sustained transfer rates of around 8 to 10 megabits per second. The drawback to FiOS is the limited number of places where Verizon has run fiber to the home.d.
FiOS: Fastest Landline Service
Verizon offers the fastest download speeds on the Internet with its FiOS service, which is available in 12 states along the East Coast and in Washington, D.C. FiOS regularly hits download speeds in excess of 35 megabits per second, or about 4.5MB of file downloads per second. As of June 2012, Verizon upped the speed on its packages; at the highest speeds, FiOS is faster than most wireless routers, at 300 megabits per second. Upload speeds are also speedy. By way of comparison, most cable Internet service packages, includm in the U.S. There were three competing standards; one of them -- Sprint's WiMax -- is slowly being retired, andest Wireless Service
After FiOS, the next fastest Internet connection to be had in the U.S. is a 4G cellular data plan. However, 4G has become somethiption; the benefit, of course, is thnsive as a fixed rate monthly service; it ca
4G LTE: Fast











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#65 PART 3

#65 PART 3

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The Health Resources and Services Administration (HRSA) is an Agency within the U.S. Department of Health and Human Services. HRSA provers
Health centers provide health and dental care to people of all ages, whether or not they have health insurance or the moneOur guide to buying health insurance for 2014 walks you through how health insurance works and how to buy health insurance plans under Obamacare. Let's take a look at how ObamaCare affects buyinghealth care plans, different ways to buy health insurance under the Aare required to provide a speciealth Insurance Policy
A plan with a high deductible and high out-of-pocket costs is rarely worth the low premium cost, even with subsidies taken intides funds to Health Centers, hospitals, and other care facilities to help people get health care they can afford.
Health Cento account.  Although the  plan will protect your health and wallet in an emergency, you'll most likelffordable Care Act, how to understand terms like deductibles, out-of-pocket maximums, HMOs, and HSAs and how to choose the plan that has the right benefits, networks, costs any to pay for health care.
Find a Health Center >
Hospitals and Other Facilities
Hospitals, nursing homd coverage for you and your family.
Buying the Right Hve services (which are now free on all plans because of the ACA).  
In many cases a lower tier health plan will mean putting off treatment or paying more than you would with a slightlye details there are a few things everyone should know about health insurance for 2014.ams, maternity, check-ups for your kids and many other services at no out-of-pocket costs and protects you if you get an an accident.
es and other facilities y pay for most of your medical expenses out-of-pocket each year without ever meeting your deductible.  This means you'll pay your premium and all health care costs, with your insurer paying nothing but specific preventific amount of free or below-cost health care ("Hill-Burton" program) to people unable to
inimum essential coverage" and thus will exempt better plan.  Shop smart!  We recommend a plan with no more than a $2,5000 deductible and at least 70% out of pocket expenses covered (this means getting a silver plan or better on the marketplace). Remember better plans often come with better doctor netwo
What Do I Need to Know About How Health Insurance Works for 2014:
Before we get to th you from the individual mandatethere are types insurance that don't count including limited covera access to Medicare, Medicaid or CHIP you won't have to pay the fee and can keep your plan.
n plans will be premium costs, out-of-pocket exrks and lower co-pays.  Even though all plans come with new essential health benefits only the specific preventive services are included with no out-of-pocket costs before you meet your deductible!  The better your plan, the cheaper it will be to take full advantage of your health insurance policy and your doctor network. penses and provider networks. pay. Eligibility is based on the size of your family and your income. You apply for Hill-
• The individual mandate says that the 15% of Americans who don't currently have insurance will have to obtain health insurance (known as minimum essential coverage) by 2014, get an exemption, or pay a per month fee.
• If your insurance costs are unaffordable due to income you may get subsidies to buy insurance and/or an exemption from both the fee and the mandate. 24 million people will be exempt from the fee by 2016.
• If your employer offers coverage, you havesearch before you buy your health insurance for 2014, although most plans will count as "mal plans".
• Health insurance doesn't just cover you if you get sick. It also covers things like mammogrBurton care at the facility where you were or will be treated.
Find out more about Hill-Burton Free & Reduced-Cost Care >
• If you are planning on shopping on your State's health insurance marketplace you'll need to understand "metal plans". Metal plans are a type of qualifying health plan that counts as "minimum essential coverage" and are sold only on the marketplace. Learn more about "met• Make sure to do your rege for dental and vision only.
• All plans starting after 2014 offer the same benefits, rights and protections including essential health benefits, preventative services and check-ups at no out of pocket costs. The big difference betwee














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#65 PART 4

#65 PART 4

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https://www.youtube.com/watch?v=rf1U-YeGnRM  103 <<LINK FIXED 




































































One of the biggest changes one thing," says Karen VanGorder, director of online learning and credit programs at Indiana University-Purdue University—Fort Wayne, a school that offers several online bachelor's programs. "It's just not ne bachelor's degrees and online master's degrees in engineering, business, education, nursing and computer information technology.
[Learn how to tell whether an onlin of some of tnumber of programs evaluated. Central Michigan University moved ucation Statistics.
"Students today are doing more than eir online education, U.S. News has released the 2014Best Online Programs rankings. Now in their third year, the rankings cover onliate University—World Campus.of the course work. Experts and online students say online education is just as hard – if not harder – than work in an on-campus program.p from No. 39 last year to tie for first place with SUNY College of Technology—Delhi, which did not submit data to U.S. News for the 2013 rankings. Pace University, which earned the highest distinction last year, tied for third withPennsylvania Stpossible to fit on-campus courses into their schedules and online learning helps them fit it in."
To help students make smart decisions about th to higher education in recent years has been the evolving profile of the average college student. While that student was once full-time, young and financially dependent on loans or other 
"People say it's easy, but that's so far from the trlor's programe program is accredited.]
support, today he or she is more likely to be part-time, older and working, according to the National Center for Edu
Nearly 1,000 distance education programs submitted a completed U.S. News questionnaire during the summer of 2013, up from 860 programs the previous year. Only degree-granting programs offering courses entirely online were consibehind this yesome, doing dishes and doing homework."
Below is a samplings raed in the online bachen they should discount the difficulty elor's rankings saw significant chdered. The rankings are the only ones published that compare data of online degree programs rather than the schools that offer them.
The methodologies anges as a result of the updated methodology and the higher e Jo Parker, a 45-year-old woman earning her bachelor's degree at Central Michigan University, which tied for the No. 1 spot among the online bachelor's programs. "You have to be so disciplined and organized. I am tired of coming hnkings, since most online undergraduate programs don't require standardized test scores or high school transcripts.
[Discover the Best Online Bachelor's Programs.]ar's rankings changed significantly to reflect additional data and statistical processes used to do the calculations. These changes are the primary factors behind why schools moved up and down in the rankings.
For the first time, all six rankings include peer review data based on schools' evaluations of each other. The new rankings also give greater weight to one-year retention rates, graduation rates and required time to graduate. Selectivity has less weight in some of the master's disciplines and again is not a ranking factor u
While students don't necessarily need straight A's to get into a top online education program, that doesn't meauth," says Billi School of Business. Among the big movers in this category was James Madison University, which rose from 49th place to a tie for the No. 9 spot with Quinnipiac University and Temple University.he top online programs this year.
Bachelor's: Most online undergraduate students study business, according to a June 2013 report by Learning House. Within business, the most popular degrees include business administration and management, accounting and finance.
The online bach Westfield State University went from No. 4 last year to a tie at No. 32 this year, while Graceland University fell from fifth to a tie at No. 65.
Business (master's): Indiana University—Bloomington Kelley School of Business was ranked No. 1 on the list of online graduate business degree programs, moving up from third place last year. Arizona State University's Carey School of Business was second on the list, followed by the University of FloridaHough Graduate
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