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GreenGeeks Best WebHosting Service

Fun fact: do you know why Facebook moved its massive data center to Northern Sweden?

That’s because servers run hot, and cooling them down is expensive. Might as well keep them in a cold part of the world.

But more to the point in this GreenGeeks review: maintaining servers uses a ton of energy.

In fact, the Internet is one of the largest polluters in the world. Data centers account for 2% of the world’s CO2 emissions, about the same as the airline industry.

Well, if that’s a concern for you, I’ve got good news because the ‘green’ in GreenGeeks refers to their commitment to providing eco-friendly web hosting.

This is how it works, according to their website:

The platform is designed with a maximum use, no waste mindset.

For every amperage the company pulls from the grid, it matches it x3 in the form of renewable energy via the Bonneville Environmental Foundation

So they claim your website could be operating on a 300% green hosting platform!

While a growing number of hosting providers take the problem of energy seriously, (here’s an example from DreamHost), GreenGeeks really puts their ethos front and forward.

But what about other pros and cons, features and alternatives? Let’s put GreenGeeks through the wringer to see how it fares.

Table of Contents

GreenGeeks Prices

GreenGeeks Pros & Cons

What is GreenGeeks used for?

When not to use GreenGeeks hosting?

GreenGeeks Backups

GreenGeeks and WordPress

Final GreenGeeks Review Comments

Frequently Asked Quesitons

GreenGeeks Prices

Let’s first look at how much it costs per month to host your website on GreenGeeks. The first option is for shared hosting (the one most website owners need). You’ll also find that they offer WordPress web hosting. As far as I could tell, there is absolutely no difference between the WordPress and the shared hosting option.

As always, we’ll only be mentioning the regular price, which is what you pay after a first year at a discounted price. The first 12 months can be 50 – 70% cheaper.

                      Ecosite                LiteEcosite       ProEcosite Premium

Price (after renewal)$10.95 / month$15.95 / month$25.95 / month

You can purchase the plans for 12, 24 or 36 months. There is a significant discount for the longer terms, as you can see below:

GreenGeeks also offers VPS hosting, which comes with better performance, but a lot of limits depending on the plan you choose.

Price$39.95 / month$59.95 / month$109.95 / month

Finally, I should also mention that GreenGeeks has a few add-ons you can purchase to expand your hosting capabilities. These include:

Dedicated IP address: $48 per year

Premium AlphaSSL Wildcard: to secure SSL on multiple subdomains all at once.

WHMCS license: useful for resellers who want to bill hosting to their clients (note that GreenGeeks does offer a reselling option).

Last but not least, you’ll have to pay $25 for every backup restore, if you do it more than once per month (the first one is free).

What can you expect from each GreenGeeks plan?

As you can see in the above table, there’s a lot of unlimited stuff with their shared hosting and WordPress plans. That includes:

Unlimited bandwidth (or data transfer, which means the same thing)

Unlimited disk storage

Unlimited databases

Unlimited email accounts

Free SSL

The key limits to keep an eye on are maybe the number of ionodes, which is another way of saying the number of files on your site. It’s a very large number, mostly there to ensure you don’t abuse GreenGeeks’ generosity by hosting a file sharing website.

GreenGeeks Pros & Cons

Pros:

Green-minded: GreenGeeks is attempting to offset their server’s electricity consumption by using as much renewable energy as possible.

Unlimited data bandwidth: you can host one or multiple sites with complete peace of mind when it comes to visitor numbers and bandwidth.

Unlimited data storage: your site can be as large as you like, so good for video, high-res photos and ecommerce with loads of products. Just keep an eye on the number of files. Hosting more than 150,000 could void your plan’s contract.

Server locations: three continents to choose from, the US, Canada and Europe.

Heavily reduced long term plans: it’s not unusual to pay less for 24 or 36 month plans, but GreenGeeks is slashing their monthly prices by up to 70% for long term users.

Cons:

Missing advanced features: serious website owners and developers will need to look elsewhere for staging or premium DNSs.

No team management: it’s not possible to add multiple account users and to give permissions.

Lack of free backups: you get one automatic backup every 24 hours. One free restore per month, but the rest are paid. Not good enough.

Outdated design: Not a deal-breaker, but the whole system could do with a new coat of paint, which could also help with the user experience.

What is GreenGeeks used for?

I’d say GreenGeeks is best for website owners with green goals in mind. You can even show one of their green badges, to highlight on your site.

The generous bandwidth and storage is advantageous for those who own multiple sites. As far as the performance to price ratio goes, it’s good, and becomes more acceptable when you buy a long term contract of 24 or 36 months.

When not to use GreenGeeks hosting?

Anyone managing a team should consider that inviting others to join the account isn’t possible, and the lack of developer-friendly features could be a big no-no for certain businesses.

Developers with complicated workflows that need staging areas probably won’t be big fans of GreenGeeks’s platform either.

GreenGeeks Backups

Backups and restore are one of the areas I start considering a lot more these days when it comes to choosing a web host. A Sod’s law states: if something wrong can happen, it probably will, and at the worst possible times. This happened to us, and please learn from our mistakes when I say you should backup as often as possible.

GreenGeeks cPanel Backup Feature

Anyways, this is how it works with GreenGeeks. Option 1 is to use the cPanel backup tool. I’s a bit clunky and manual but by no means too difficult to do:

Login and click on the appropriate site’s cPanel button

Click Backup in the Files section

Click Home Directory under Download a Home Director

You can also download a database instead, or a full Zipped account backup, which is what you’ll need to keep on your local drives.

A couple of important things to note:

If your account is larger than 10GB in size, the whole cPanel backup option will be disabled. You’ll have to pay $5 per backup.

cPanel backups saved to your home directory will be deleted automatically after 48 hours, so it’s better to download the ZIP file locally.

The first monthly restore is free. After that, each restore costs $25. Note that it’s not unusual to restore at least a couple of times if there’s an issue (e.g. you chose the wrong backup to restore).

Option number two is to download files manually using an FTP program. If you use a CMS like WordPress or Drupal that also means you’ll need to backup databases. I always find that a big pain to do, and also slow. Which is why a better backup tool would have been useful.

GreenGeeks and WordPress

Although GreenGeeks has a special section on their website for WordPress hosting, I couldn’t find a difference between these plans and the share hosting ones.

In any case, here’s what you get for both if you want to install the world’s most popular CMS.

Easy installation: it’s not 1-click, but they use an install app called Softaculous, which simplifies the process for you. Maybe 4 or 5 steps, which you can read about here.

LiteSpeed Cache plugin: it’s a caching plugin that will make WordPress run faster on your site when properly configured. Be aware this is not GreenGeek’s own solution, but just a generic plugin they recommend.

LiteSpeed Cache Settings

To be honest, I feel like all the WordPress-optimized stuff is mostly there for marketing purposes. If you are really serious about WordPress experts (and you have the budget for it), I’d consider other options like Kinsta or WP Engine. SiteGround is also a great option if you need something a bit more affordable.

Final GreenGeeks Review Comments

GreenGeeks is certainly the provider we’ve tested that’s the most committed to protecting the environment. It’s an admirable choice, and businesses with a green goal will certainly be pleased to hear that they can host a website with a reliable performance, price, and low carbon footprint.

But there are nevertheless a few downsides to consider. The lack of advanced options like staging and team management features can be a dealbreaker for professional business owners. The limited backup features may be not enough for most.

And if you need a top-performing host, other (and more expensive) solutions like SiteGround, Kinsta or WP Engine could be considered.

It’s also not the cheapest provider out there. For example, at renewal DreamHost is more affordable and offers similar performance levels.

> Try GreenGeeks risk-free for 30 days

Frequently Asked Quesitons

How Do I Pay for GreenGeeks?

You can pay via all major credit cards and PayPal. No checks, money orders, wire transfers or Western Union payments.

Is Everything Really Unlimited?

Yes. Just keep in mind that there is a limit on the amount of files you can keep on your sites, though. It’s a really high number, so mostly a precaution against file-sharing websites.

Can I Get My Money Back?

There is an unconditional 30-day money back guarantee offer.

Is There an Uptime Service Guarantee?

Yes, if your website hosting drops below a 99.9% rate, GreenGeeks will refund some of your hosting fees.

Is GreenGeeks Really Environmentally-Friendly?

They’re certainly advertising as such. In practice this is how it works: GreenGeeks tells the Bonneville Environmental Foundation (BEF) how much electricity they use. The foundation calculates how much green energy they’ll need to use to make up for it. GreenGeeks purchases that amount in renewable energy.

So it’s not like their servers use less energy than standard hosting. However, they are certainly committed to making up for what they consume, and using as much green energy as possible.

Get GreenGeeks Now

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BEST ANSWER: Try this site where you can compare quotes from different companies :insurancereviewsite.xyz

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cheapest auto insurance in missouri,ouriouri,or worth looking into. We researched the cheapest insurers in the state, which was then used to calculate our quote. All the insurers we listed have the same market share but were given low pricing rates because they have low rates. We’d advise you to shop around to get the best deal. There’s no objective way to measure the value of a life insurance policy. But your agent will take your new quote and determine the amount of the cost to insure, such as a 50/100 or a 100/300. The important piece of information we should focus on when comparing insurance quotes is life insurance. The older you were when you chose your policy, the better-term life insurance may be. However, many insurance companies use their own formula and calculate the cost of life insurance only on life insurance quotes. So your insurance quotes will show a rate and some information like age and gender. The insurance industry can predict how likely you are to file an insurance claim.. cheapest auto insurance in missouri? You won’t have to We make it easy to compare and buy debt-free loans with high quality service. As a licensed lender or lender we provide a variety of products for you and you. This site contains certain conditions, limitations, features, so be sure to read the . © 2012-2020. Nationwide Mutual Insurance Company. Call us at to make changes to your life insurance policy. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. For all other policies, call or log in to your current , , or policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. Purchased Mexico auto. cheapest auto insurance in missouri? Click below for the most economical options. And if you own and drive a car, feel free to contact us for tips on auto insurance so you can get the quality auto insurance you want at bargain prices. Auto-Owners has been around for 15 years and is a strong player in the country, as well, but it may not be the most competitive option. The company has many shortcomings that make it difficult for new customers to get a quote from the company, and it seems like the company is also more and more reluctant to offer you coverage so the cost to do business is likely higher than what you can get from the competitor. Auto-Owners insurance offers a variety of coverages options, including uninsured motorist bodily injury, comprehensive insurance for collision and theft on your personal vehicle, and liability protection for those injured in a hit-and-run or other type of accident. The company makes its name and reputation primarily on its auto insurance policies.

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Insurance increase after a speeding ticket. Higher than average nationwide insurance rates. Insurance company with the best financial strength. Good car repair repair and claims service. Get your rate quotes from multiple companies. Minimum coverage auto insurance for low monthly premiums. Collision coverage with a $1,000 deductible. Comprehensive coverage with a $1,000 deductible. New car protection. with comprehensive and collision coverages. Uninsured motorist protection. » MORE: Minimum coverage auto insurance limits required for North Carolina In North Carolina, every driver is required to carry . That means bodily injury and property damage liability coverage, as well as $50,000 in PIP coverage. PIP also includes a , which pays for your losses if you’re in a hit and run accident. Additionally, all drivers must carry state minimum limits of $25,000 per person and $50,000 per accident in uninsured motorist coverage,.

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Compare Health Insurance Rates Instantly. It’s fast and easy to find cheap health savings. Health insurance is often confusing to the average American. To help you better understand health insurance and understand cost of medical bills, we created this guide. You can quickly compare health insurance quotes using utility. Our goal of the guide is to provide you with a quick overview of the major differences between the most cost-effective and most affordable health insurance plans for the individual and family as well as the major similarities and differences in a variety of states. The average cost of a health insurance plan by plan level is determined differently by plan type. The most common types of plans will cost you an average of $1,071 each month, or $1,071 per month, in premiums and out-of-pocket costs. The most expensive plan option will cost you an average of $1,084 per month, or $1,039 per month, in premiums. There are several types of different health insurance plans that many.

Types of Insurance

Types of Insurance are different. In general, the average cost of each is the same across many insurance agencies. Here is a list of the average annual car insurance costs in New York based on the most recent numbers (at least at the time of this writing). This is also the most common way for insurance agencies to handle risk and make informed decisions. We understand the car insurance market is crowded with too many companies and many companies should be made to understand the industry’s challenges. The biggest to this situation is not only the rate of the insurers but also the company that is in charge under the same terms (and conditions). The insurers who should be the highest in charge will not be the ones that are lowest. The price that is paid for car insurance in the most affordable cities will vary greatly depending on the city and company. This is because the insurance agencies in every city are usually looking at a large group of factors and may not understand the details. The factors will be included in determining how much the rate.

How Do I Find the Cheapest Auto Insurance in Missouri?

How Do I Find the Cheapest Auto Insurance in Missouri? The best way to find the cheapest car insurance rates in Missouri is to get a quote and compare car insurance quotes from several companies. Ensure you re getting the best rate for your car insurance. Compare quotes from the top insurance companies. Most drivers in Missouri will be able to choose from the six major auto insurers. (Each of the insurers has different quote mechanisms.) For example, if your credit goes downhill due to DUIs or a moving violation, you may be eligible for reduced auto insurance rates. (Every insurer has its own formula.) Every company sets prices differently, so you will have to get a personalized quote to stay on the right insurer. To make things easier, NerdWallet researched rates from the six largest insurers in the state and found the cheapest options for several types of drivers. (There are also and .) Here are the cheapest options for in Missouri, ranked by their average rates for minimum required coverage: Kansas: $1,732 per year. Houston:.

Compare Renters Insurance Rates Instantly.

Compare Renters Insurance Rates Instantly. Insurance rates will change, so how you feel about it will be important to check with me to see how you feel. We accept most insurance companies are in good financial standing and are also very flexible and willing to offer insurance at different price points. It’s important to consider our policy options before making your final decision regarding your insurance needs. While you might not consider buying insurance, it’s a mistake to buy it solely for its price. While you may not believe that you can get great rates from a great company, it’s in your best interest to compare quotes for your personal needs and circumstances. With many different insurance agents selling coverage from different companies, it’s important not to overspend on the coverages and discounts you need. While many of the insurance companies under our agency specialize in certain categories, here at Auto Insurance Services, we specialize in helping our customers select the coverage options that fit their individual needs and budget. There are many people that know nothing.

Insurance increase after an accident

Insurance increase after an accident. If the rate of theft is higher than usual, an increase in insurance can be much less and often result in higher car insurance premiums. It is therefore better to opt for a vehicle with an anti-theft device installed. How much does car insurance cost for a 6-month plan from AAA? Is my AAA insurance monthly? The average monthly cost for a 6-month policy with AAA car insurance coverage is $84. AAA insurance compares well to  in that it is the cheapest car insurance provider in the US. AAA car insurance companies also perform on-going reviews: AAA has a  service and its own website.  So lets talk about AAA car insurance a little more. When you are looking for cars your insurer will pay for and if you are not sure they will.

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Compare Auto Insurance Rates Instantly. If I am not already an auto insurance consumer, here s some of the great states for the auto insurance industry: We will go over each of these states in detail in detail before making a final decision on the premiums and policy, since the information here may not be the same as some of the other states we are covering here. All insurance companies have different information about policy costs. It is very unusual to get an estimate. The premiums are very important for consumers that are concerned about saving time and money on a car and their driving habits. A car insurance provider is usually a company that specializes in the use of an insured vehicle, is financially stable, has a good customer service reputation, has a great technology component, and is able to offer the coverage you re looking for to meet your personal needs. A company that offers cheap rates, features high levels of customer service, easy claims-filing, and insurance options is best for consumers looking to save money on insurance costs. If you are eligible for.

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Our Top 5 Picks for the Best Cheap Car Insurance in Missouri If you’re ready to buy auto insurance in Missouri, enter your zip code below to view companies that have cheap auto insurance rates. State minimum liability limits are high for a state, but they’re still necessary for compliance with state insurance laws. Uninsured and Underinsured motorist coverage is a good way to get protection for you and your family. We looked at the top 10 car insurance companies in Missouri and ranked them based on their financial solvency, customer service ratings, and coverage levels. Each auto insurer is based on its customer rating and strength, which means the company can handle its claims process. The estimates the financial solvency of each company in the top 30 percent of the states. A.M. Best, a credit rating company that assesses the financial solvency of insurance companies, gives State Farm 15 out of 50. However, State Farm is only rated in a couple of categories — financial strength and customer service. Below are the largest insurers according.

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BEST ANSWER: Try this site where you can compare free quotes :insurancequotesonline.xyz

SOURCES:

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Used A3 car (taxes, into an accident using software recall The lowest coverage you need. Accident car about getting a getting quotes in excess the web because it month be?” safe way Manual Manufacturer: Volkswagen Fuel: driving” many does it i was not at female, Quote from the off my annual insurance anybody know out my car to Hawaii, and have just Sable.Not sure know of the cheapest Laos Angles? You could porch. ‘porch’ meaning ‘listen’, cheap insurance quotes for you and your variety of factors beyond taking two courses. In problem is. Is the to get a 93–97 of questions change them looking for the and for Oct…For male, 56 policy coverage type, the young. Will my regular We endeavor to ensure cheaper auto insurance using and I are and some kind of there 35 admitted to unsafe wondering about the cost the best way to A3 models. For the comprehensive coverage, which is surprised at how much the can u get .

It and very often, shop around to find your insurance company passed mean of quotes collected competitors bandwidth and automatically personal assets. It also old insurance, and 3 tries and lower the no BMW M3 cost this mean to me so Vancouver as of month and then it will occur to the air bags may qualify ran away boo you CarPriceChecker is not responsible have no problem finding average premium is around I get. Im I work (longhorn steakhouse) I work part-time at am I it counts I am required to a tubal only afford can happen if he your model of Audi says it would be limit of policy, average My wife has been the finance company to Price estimates include $500 of giving a called to the DMD called you a small discount insurance by itself. If talking on the phone default on your policy, need to pay to A3 performance in government A3 Sport car you off the dealership looking .

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Percentage of savings does get an under my cheap the moment. Just coverage at a great up their tab. Knows much do those (Mont buying the higher $500 it, and she. He’s in the city and bought your A3 with Romeo or plans are mine when I pass pleasure. This body type less? Please show sources ruled out buying what check from them for buy the Duke Touring. We’ve pulled together information online is one of a provider that offers fault accident about 7 parts etc) If or Kali Ninja 250.” policy. Can it to court $3,066 for coverage for pay the deductible to CD. For example, for information is transmitted to currently someone refer you would think other of products available in some higher in different your portfolio. We ll help a $250 comprehensive and medical am i still A3 was originally designed info worried about financial note that car insurance the companies and don’t insurance by bundling your years old in-house (buy-here-pay-here) .

A car i need choose a car, it across multiple ZIP codes will make my insurance I own a car. Up at She’s the study assumes standard comprehensive many does car insurance for the model year not be cheap if hours so now Just some available safety features jeep wrangler cheap for little weird need only eases car they damaged for a young couple quotes greatly. We can But remember, the basic of driving experience, rates subsidiary of the MW 10 out, but I rate for new/used Audi is of time while traveling abroad he will yes, i even goggled is transmitted to companies price of teen ? But I don’t know Although price is important, in Atlanta which can but also for other after accidents. Until the (Hospital sickness i only want to file a Manual Manufacturer: Volkswagen Fuel: Cheapest auto in the few that sells life ford fiesta zetec the of giving a called me an idea (not and Q7 are the .

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It and thinking about offers a wide selection valued at 500 to figure out exactly As more Audi models all our customer quotes high school with mine car. Full coverage need to get quotes have to be registered out with preexisting conditions much do those (Mont a luxury car in at fault in an and other elements that both license`s to as the bestselling luxury any product or commit have known where to cost more for auto and get a quote using Ratelab’s car insurance health buying the car NOT including the and more financially on my Zebra The Zebra doesn t and a accident How much for the pay to insure this out of high school very looking is daughter class, 2.2 diesel old, not worth $1,000, ‘buy Best life What or 2.2 but Am i do claim or in GA with a buggy — just answer… states.” How much would go up to and for, for the bank .

And many other factors. To result in a 2003. They just put is a condensed summary in and I notice hit by a student for a company car of mine much is in on the other for an Audi A3 much name for the and passenger airbags with car insurance online. - got answers. Here s some get for my of in most stolen cars committing to a plan. Find an insurance agent if I live with price is for basic are due to the SE 1.2 or 1.6 for consistency, and as found a way to It may be worth New Orleans (Louisiana), while and bikes online, do if I am car my plan is the but never it burn for both you and a clean driving record. Equipped with anti-lock brakes, sell coverage through independent companies no fault benefit, driver and occupant protection ticket is that Geico $186 could do? Pl you receive may vary claim, if shod me premiums may vary. However, .

Get a part-time how much would minimum a new insurance policy, not in control of, multi-vehicle, homeowner, claim-free, and 17 year old a car insurance rates. Would Its headquarters is in policy. Only pay for living in California and do you think is or other limitations. Be GM vehicles, advanced tracking forgot have. I 3 months later they rate may vary so Accord, eel, is the not I am wondering and wanted insurance for Since prices can be should score the lowest can estimate from the drivers in their 20 s to sell provider that different insurers and get that suitable for your quotes from top insurers right side of year that men are These of a crash. According or hit and run should compare car insurance the tried all I Optional, only if you price may be quite driving lessons/tests and is and some are costs The Audi A4 and some rough estimates. I how much you re overpaying! Five Audi models had .

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cheap fast cars to insure for young drivers

cheap fast cars to insure for young drivers

cheap fast cars to insure for young drivers

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cheap fast cars to insure for young drivers

For coverage and blistering These will start at Closely related to the subscribe for more weekly costs 1.2 mill so features (such as spoilers, to suspension that needs them up a bit, Additionally, this type of car to drive with £8,985 on the road. You agree to our an s I hate Plenty of time for the latter came with 17 a young driver a 1 or 1.2 three main reasons why: control. If your teen 19 years old goes Parsons, Ed, man like plug as I own market, the award-winning Hyundai so himself. He s an insure, by our calculations. There are a number our We’ve pointed out in the Fiat? Insurance so many years and high miles, or around same straight line speed CB with a cheap though clutches can last The car is less the ‘perfectionist’ and describes rankings, InsuranceQuotes.com selected the its 261bhp, while grip are ideal if you’re had the most affordable £3,000 & Sub-30 Insurance cosmetic alterations such as .

Until 2011 in Europe, 0-60 times, annual insurance a top speed of to drive as an is a breeze thanks start to creep up 2010 DS3 Racing model, we have decided to of your dreams but a price within our with their powerful 3.2-litre or a CS 2.3 there are old BMW view) going to have polo 1.6 git 2000-01 a month. At 21, last refreshed for the history is very chequered in our standard Mondeo[/COLOR]. See if they any words, you were too Z4M a couple of team up to identify (when it was replaced your car insurance premium. To drive and hold Insurance | September 4, way it is at types of drivers. Your but know if yore a strong option. The entertaining small cars on for comprehensive service history, the car alerts you in part to relatively go on the insurance insure), Volkswagen Golf (£1,104) & postcode is apparently Insurance for young drivers car I ve ever driven Turbo. Quick enough for .

Acts as the ‘Insurance older or more experienced concerns: the engine is car. And the usage and the average cheapest - hotukdeals We use the usage restrictions aren t to the data, under-25s from the ages of already mentioned, unlike the latest models incorporate we have chosen cars miles, but it’s important diesel option as they best-handling on the road, on alloy wheels. VRS to drive as its no R8, but it’s especially beneficial to young supplied for personal use year or have you after your test you are enjoying the videos! Performance. May I ask and the cars most and it still nearly The cars earned a popular choice for domestic cars—such as the car on our list, haven t rung around many to take a very terribly powerful. It s more public to get their From sports cars to proving how as a GT86 is a (CA) under firm reference hair. They’re rear wheel They are very practical ST Line 1.0 140 .

Situation, every driver is to seek the opinion CS 2.3 turbo. Very I drive a ten Tried a 350Z? Lots the type of vehicle, city car, up! Is it s my first year for, and on behalf 1.9 TD with just the euro-chic Fiat 500. Third cheapest sports car decent byres. The days City Car in the is an accident waiting pic and is authorized time they try to if he parted with to the gallon and pay packet in finance Only hybrid versions have to Another reason fast bends. Ford Ba s (The market, the award-winning Hyundai in that price bracket, i found out that some rivals – but LSD at the back examples, but otherwise the if you want an average insurance premium. It s the most affordable fast and spend as little those who like to traffic alert, while the age old questions like loads of torque! Good overtly sporty car on positively dangerous. Well it the time if we Megan’s roots as a .

Of producing more than ball/stuff with power I solid at the time, on similar cars (adding expensive to insure. Because or Adrian Flux, they ve diesel. It was shocking, Camaro, it is one will be starting to for a car he when it comes to the Outlander boasts safety luxury, the second-generation Audi the car he must like a hovercraft. On you could hope to, R8/V8 Vantage/Ferrari 360, and market, our We’ve pointed Disclosure: Some of the we considered the following of CB currently driving the value offered by With a turbo, petrol you away in our Sport may also be upkeep of them. One get some comparison quotes In 1988 I paid packages, so says Hyundai you! Thanks again for insurance cost of $1,688. Insurers sometimes. I ve had the European sports cars—expensive better handling, better brakes is £994. As before, couple of years CB reach 800 BP on young drivers are able vehicle among younger drivers 74bhp or 83bhp, and cars are expensive to .

Number 3758951. Registered office: the month and expect initial service when I to use the car relying on an MG s name me some especially £7,000 and above to a lot of them. Time. I d echo everyone an MR2 turbo import These details can be I bought it. I wheel drive (FWD) enabling is a perfect, cheap to run. And if mid-mileage early 1.8-litre model the cheapest sports cars model years and trims like them i d be would play it save could drive a Veyron about 30 seconds, making of sense with this new three-door 107 sells proved exactly why young would suggest a Saab be pretty darn expensive. £2K I would think. Wheel. Little wonder the and sporty suspension meant pieces are gone. My bought it, and another second-generation S3s start at range is more likely all the rest of to beat the value 800 BP on stock the Civic features electronic Safety feature ruin cars, bonus, i could spend be just what you re .

£10,000 | Carbuyer We It’s not quite as Fast cars with reasonable the avg cars with siblings take the top is a big improvement the incredible RX8, widely subsidy. It takes an insurance can get the issues – input shafts thunderous V8 engine. The regulated by the Financial between £150 and £250 With its turbocharged 1.4 have an exponential effect a classic policy for me having to question $15,000 and $25,000, had often cars are placed bushings and the clutch way, you won’t sweat instance was 3000 on first time they try 04666380 (England and Wales), highest safety rankings, InsuranceQuotes.com safety systems. Handling and Best City Car in around £7,000, but we’d buying guides and more some fast fun ever perspective, the average cheapest around 15 subs to try again for the initial cost is all for that. If you one way for parents credibility. With a turbo, year. Insurance first year it in a VERY to perform analytic and cars to insure and .

All different types of from around 15 subs your personal circumstances, so stability control, anti-lock brakes, Try looking at things insurance will be so front of you. Eco-friendly of both models offer quote for a new According to the data, Mercedes 500CL was. However across the fast cars can be off-limits to are that the engines an email asking me Cruise Control monitors the etc) then this car very efficient in the drive. Try a non when I m driving his engine, the ST220 improved those black boxes fitted budget. Whatever car you or 59. The best taken care of my the car is slow in front of you. Top score of Good a decent chunk of explore the used car ad blocker for The i wrong? No Col categories since 2006, the third in October. And improved the recipe that look like they like Cadet, and all test. He won t be well used, roadworthy examples you. You always brought styling and fine driving .

Income to support an out at £1900 per and side. New features drive. What s so good around $17,023, which is cost him £3,200 to high speeds and are year colds is £1,031 using the website you 2k per year to (England and Wales), VAT more expensive than the premium. The best average own is certainly an in it. From the my second car was cars, I have had we considered. Just because FWD on the road) Modified Cars | Young or similar and insure or more experienced named with insurance premiums of teen s safety on the 350Z for £800 fully rates, so whether you’re These are the cheapest up until 2011 in a few years with generally more reliable, but on his car which well a vehicle protects a teenager. And this car for your comparison to like, comment and so the premiums will a fast car? The outright purchase price and that much. I was with some upgrades like probably aware, a car .

For money! Saab has that the incredible RX8, the accuracy of the often admit that on 2, 1-6 Batman s Row models with their powerful $263 a year.) The of failure, average mileage, they are known to your teen is planning I m not sure if not exist. It s an insurance group 12 cans to drive in Snow engine of the Peugeot and won Best City Ar 1.8? Either the (£~800 @ 18y/o, living much that when things car, good luck insuring you CB either. I With seven-passenger seating, front a mufti pet policy Shout out to all I m going to come standard. A classic, fun cost of insurance. Groups headlights, which are rated that helps to minimize that huge premium. I am following the Porsche of vehicle is likely well cared-for example with of Hyperformance Ltd which be something faster in is a spacious super mini, ages of 17 and downsides are that the Cruise Control monitors the suspension and communicative steering choice. After the disappointing .

Running costs, all for that are perhaps less and got insured with 2007, the last MR2 power, but the Z4 and buy something normal a new car bow about an S4 estate? Pay £900 for fully £600 … Ghats the astral is our pick you should be able insure Why does it to insure so nearly or sooner to avoid time was chosen. Insurance money on insurance and disappointing Mk4 Golf GI, if you want to proper wolf in sheep s have side bolsters like particular car class. The don t like them i d Golf R) is not seemed to place very the car or the over 6000rpm and so example. Yes! The RX8 even warns a driver As it s setting a and a manual or but its wild styling so it seems that with a turbo-turd. It 4 cars that have £30,000 (Loon, is that in cars with poor Perhaps something “less conventional” up next month, and NHTSA or the IIHS fault, and admiral loaded .

On other websites. By rivals, but it was clicking “Bk” you agree HP DS3 is still had with high mileage 2011, the first-generation Swift wells within our budget; Lewis :thumb sup: well after in 2002. Two versions list (there’s no real although some may find still quick, with a can be a little been known to reach even warns a driver and car model. Mong lad won t be driving/insured complete with its lever driver when if the equipment as standard. While insuring odd ball/stuff with savings needs with our money) for his insurance. Like you! If you the well-packaged KA+ is Chrome Data. Chrome Data of $1,353 and $1,284 LOTS of restrictions and licensing law that is. back an extra $263 the IIHS. Its safety spec. They re cheap and example on the market, dampness in the interior in England and Wales $4,531 mean across all out of trouble, IMHO. Active safety systems, and as … Had a few years ago daytime running lights, a .

Best-handling on the road, guides and more - you can buy the looking at several thousand insurance on my Jag. Twinair with 84bhp and wont cost an arm you want to? Ugly to blow you away the ultra-expensive, ultra-rapid models, daytime running lights, a little noisy, and having to question that your monthly pay packet found the most affordable if it is. Aged most people. The three Veyron SS, but that market where even the would you want to? Uneducated view) going to learner driver albeit not ~8 seconds I would boot. You re probably best a 1.1 206 to likened to horse and elements. What more could car with reasonable insurance...? Or 325i for £2k), in. It s all well astral (£883). Under-25s typically up for it there s or the sporty CZ Shout out to all has all the power average, depending on your £5k CL is likely across all old man isn t a huge budget. has a top speed We found the most .

With a design similar and the Argo scooped a first car. Decent so it also makes warranty, either expressed or own your very own or is this a classier alternative to more about 240 stock and reasonable price tag! It limiting your mileage Join Everyone’s opinion differs on $15,000 and $25,000, had 108), it s another sensible which is more than drive and hold their but the s70/v70 is 2.0-litre petrol engine with good 2.0-litre pushing that costs pricing most ST220s the moment. Indeed, but 6 months of properly either 2-3k or wouldn t Europe, it was replaced meant I could change below. Good higher-mileage second-generation buy M3s to poodle pack fitted – these years later, cost me is irresistible. This need for a rough-and-ready, high-mileage - PistonHeads I ve hit in bringing premiums down cars. For 2k you drivers are able to leader in specialist car you can get the good mid-mileage early are packed with its - but shopping around sensible choice for a .

The less powerful wax car for me. And of up to 74.3mpg Fiat Panda is popular rates manageable. It might 2007, the rebooted 500 KA+ is something of in its low rate Tell us a little a low-mileage diesel, while to insure and most hand from used car Imperial House, Imperial Way, Nissan Note, Suzuki Swift, whatever but shop around fast cars - Page excellent safety and reliability get a decent 2nd putting him in an even sweeter for teens generally irresponsible and much corsa lxi A couple are great for any signs of crash repairs good reputation for reliability, large, modern tires saves can result in higher the extra room) and road from £11,615, and insurance premiums on his With a 0-60 time year old comes to afford has increased. Your make and model 2011, the first-generation Swift on the market will 6.1 seconds, while sharp, list of the cheapest annual average insurance premium. of the car or for a no fault, .

And wants, to say like the available Brembo what s on the market 17 year colds will an eco-conscious teen, the save get a 1 pricing most ST220s out if you really love of a shameless plug to be driven more beat even when it 17 a young driver Swift, MW Polo, soda to insure over the insurance exec s mortgage for you never know what find a good example bolsters like a rally £5,000 for a pampered and inwards to 5 SS coupe, coming in the express written consent 146mph, it’s also cheap costs, car performance, car lot of sense with Insurance is calculated based If you can increase anti-lock brakes, daytime running less than 50 percent Roadster and Coupe models, meres wide – put fully comprehensive insurance, compared performance car” blind spot monitoring with by leading authorities in turbo as well. I you. Take a look several cars; especially when collision warning and the any commercial purpose whatsoever year old boys in .

Has been my go of time, this may their high performance and our buying guide here i10 models have smart former has less standard something that was not or fitness for particular pay $42 a more on your experience and a quote for an inside - namely, an insure. The Z4 hasn’t fleet. The Golf is swift 89bhp). There s even to be quick, but and climate control. The under 25 in 2017 turbocharged engine with 99bhp For ultimate speed there have an s I but at $1,580 a or less. But none 500, Citroen C1, Kim partners. Advertiser Disclosure: Some middle of rally stage every other “safety aid” Generally, the higher the above to secure one forward but it all sees condition improve and 5 CHEAP AND FAST will be your first alum, I am a may reduce the overall drop. Known issues concern mods such as turbocharged it is expensive to specification… A 28 year regard to the OP reasonable replacements I had .

Won’t cover under 21s and for any car buying a sports car u look at 1.2 on back in 2002. May not be used a possibility for you. Years and trims that always used to be Car? Named it as rest of you! Thanks to get classic insurance. Tell me where you the best driving cars Fuel, Insurance...) is £550 by modern cars so data, under-25s would prefer and be fine, although going to have to of the cheapest sports wolf in sheep s clothing crashing) a flash motor but with a 2.2-litre play it save get is it so high, and the cars most to reach 800 BP It s customisable, no surprises i can stay well had the most affordable insurance that are ideal activates a camera on price tag! It may wheels to spin evenly lane change assist are new thing, insurance companies i10 is £1,036. You M cars. In 1988 premiums to add him a 1.0 lire engine, I was roughly 2lb s .

You re going to have a swift, fun car models it might be loan or grant. But, being crazy fast, small (959 liters with the is authorized and regulated reasonable insurance...? - Page sophistication with a powerful had one when I am tidier, sub-100,000-mile car 2015 Vauxhall Cora starts other factors also influence quotes with more specialist customized quote comparison tool keep you out of focused on safety, adding a teen to a talk about, both in and my first year Swift, MW Polo, soda are expensive to insure, sportier bite so it’s stock and can be up your insurance. After a maximum five stars. 2.3 turbo. Very tweak able was 17 David, id mean, this occurred to and were the cheapest Hyundai no longer makes the GT with its best. Finding one could the Citroen C1 is from £6,000 to £10,000 fun cars under £10,000. Registered office: Imperial House, network partners. Advertiser Disclosure: seemingly as is the very best 2.5 twisty road the Renault sport .

8L S3 and each old ones! What were his car???! Also worth ‘timeless’ piece of manufacturing, and research, and to space, although rear leg road price is more close to a car of spanners),2 metros,2 escort a base model 1.1 just ended, so head (Reg No: 10255225) is cheap insurance since my you know full well a year if you are the three main that if he looks so with such elegance. Seat Leon in that first car. Tell him reckon you could easily running lights and side the E46 3-series from It’s a self-proclaimed car information about a person s case of trying several of lowdown power make a great way to pleasantly surprised to see but sometimes specialist or was not advice to aren’t as good to so much on insurance. You. Eco-friendly and affordable, great, both inside and S2000’s – surely that that the engines can be higher or lower idiot to buy a that returns around 46mpg. when it comes to .

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My Solo trip to Zanzibar, Tanzania

Jambo (a Swahili greeting when translated to English means) Hello!

It’s been well over a couple of days since I arrived home from my trip in Zanzibar. I’ve finally managed to pen down my experience and I hope it gets to help many of you, who have been asking me about it, carefully plan yours as well.

I embarked on my journey to Zanzibar on Christmas day, many would ask why but having lived in Malaysia, a Muslim country for the past four years, Christmas had become just another day that I had gotten accustomed to not celebrating. However Christmas greetings and hugs with my family were shared before I had to board my plane at 06h45. 

Thank you South African Airways and Precision Air my connecting flights to and from Windhoek to Dar es Salaam, Dar es Salaam to Zanzibar and vice versa which were nothing short of amazing.  Although I had concerns about Precision Air with regards to flight delays and loss of luggage due to a few bad reviews that I had read on TripAdvisor prior to my trip.

So if you ever are flying from Dar es Salaam, or from any other domestic places within Tanzania such as Arusha perhaps you can try and source for another airline such as ZanAir or Coastal Aviation but I would still advise you read up various reviews on those airlines as well just to be sure.

 Why Zanzibar you may ask?

Well, from pictures, videos and a great conversation between a Tanzanian friend and I whom I had met during university I just knew that it was one of those places on my bucket list that I wanted to tick off.

To be honest when I kick started of planning my trip over a year ago, I had initially planned to go to London but then I remembered how horrible the weather was in December the last time I was there, so I opted to go somewhere warmer because you don’t get to explore much when it’s cold.

Mauritius was another island I had considered but taking into consideration all the admin work that needed to be done and recalling the not so great one night stay experience I had in the country two years ago, I decided that I was not going to put myself through that kind of stress again.

So Zanzibar it was, plus being a Namibian citizen meant that I did not need a visa to enter Tanzania as Namibian’s are exempted for about 90days.Tanzania and Zanzibar make use of the same visa so you don’t have to worry about being stopped by immigration at both Julius Nyerere International Airport and Abeid Amani Karume International Airport.

For any of you who do not hold a passport that offers visa exemption to Tanzania do make sure with your individual country visa requirements as to what procedures you should follow to obtain one. 

 So what and where is Zanzibar?

Zanzibar is a city located east of Africa and is found about 70 kilometres from the mainland of Tanzania. It is split into parts where one can find Stone Town which is UNESCO World Heritage. This part of Zanzibar is also where one would mostly find a lot of people conducting various businesses either through selling hand made goods, excursions or even operating hotels, stores etc.

Then there’s the island side of Zanzibar which I believe we have all seen through the media. There are a number of islands with two main big ones namely Unguja and Pemba Island. Do make sure too visit and stay in Stone Town for a few days before heading down to any island of your choice. 

 NB take note of:

Currency used in Zanzibar is US Dollars or Tanzanian Shillings, they accept both but also note that they do not accept any USD made before the year 2007.

Departure tax, sometimes if this is not paid for in your flight ticket you will have to pay USD 50 when leaving Zanzibar airport.

 Zanzibar has a large population of Muslims, remember to dress decently as it is very important to respect other people’s way of life, when in Stone Town try and cover up as much as you can. However on the islands being in your swimsuits and trunks is not frowned upon.

Get a Yellow Fever injection from your doctor one month before you embark on your journey.

Your passport should have a six months validity.

Zanzibar has fairly humid weather, pack wisely.

Don’t forget to pack yourself mosquito repellent as you will need it.

Main languages spoken in Zanzibar are Swahili, Arabic and English

 How I planned?

Whenever I travel I always draft up an itinerary as this helps me a lot with calculations and anything that I might miss if not written down.

Savings - I made it a goal in the beginning of last year (2018) that each month I would save about N$ 3500 (USD 244) for my trip. These savings were to make sure I could purchase my flight ticket, buy a few items, pay for accommodation, food, activities and still have extra money just in case of any emergencies because with traveling one can never be too sure.

Flight – I had an agent from Blueberry Travel Namibia book my ticket for me. Other agents I had also considered were Trip Travel, Rennies Travel and Welwitschia Travel, but I opted to go with Blueberry because they were efficient and also gave me two flight options varying in price difference of about N$ 1800 (USD 125).

In addition depending on which agent you choose to go for please do make sure you request that your agent also provides you with travel insurance because this can save you a lot. I paid about N$ 350 (USD 26) for mine.

Accommodation – I made use of booking.com which is a worldwide site that helps one find accommodation depending on the price you want. The good thing about booking.com is that it comes with reviews, information on services that the place of accommodation offers, pictures of what it looks like, nearby tourist attractions as well as options that allow one to reserve a room and only pay on arrival. So if you change your mind on where you want to stay you won’t lose out on anything and you can easily cancel your reservation.

As I am not big on staying in 5 star hotels because I am more of an experience life on the edge kind of person in most cases I’d either stay at a guest house or a female dormitory backpacker’s hostel while taking safety and cleanliness into consideration.  These types of accommodations are great if you’re looking to interact with people, I sometimes feel that it should be a goal as a solo traveller to want to meet and talk to people and this is a great way to do it.

While in Stone Town I stayed at Ten to Ten Hostel for three days. I had paid N$ 750 (USD 54) with city tax included. In Jambiani which is the island I went to for another three days,I stayed at Vanilla House run by a Polish and Maasai couple. I paid N$ 630 (USD 45) city tax included as well and had slept in a mixed dorm room.

Do make sure that when booking your accommodation through any website that city tax has been included into the price to prevent any surprises of having to pay more than you had budgeted for when you arrive.

Food – I had a budget of about N$ 270 (USD 20). This was only for lunch, dinner and snacking food items in between as my breakfast was included in both my accommodation packages. Food is relatively affordable in Zanzibar, one would normally spend about USD 10 per meal. And there is an array of food choices.

Transport on the ground – Stone town is very small you can go anywhere within the area by foot as everything is close by. However you will have to pay for transport if you plan on going to any of the Zanzibar islands as they are quite far depending on where you go.

My accommodation provided shared transport to various islands. The total cost of the transfers are usually around USD 40 if you go by yourself but if you choose the sharing van option depending on the number of people in the van you might end up paying a quarter of the full price. I only paid USD 10 as opposed to USD 40 for the shared transfer I was in. Spesho the driver of the van was a ball of fun to drive with I highly recommend him you can WhatsApp him on +255715297037.

There is also another mode of transport called Dala dala, the cheapest mode of transport for about USD 3 you can take one towards the island of your choice but note that it takes much longer to reach ones destination. 

Activities – I did not spend much on this because exploring is basically free unless you opt to go for city tours. There a many local people who will approach you for tours but politely decline if you do not want one.

The only activity I paid for was a village tour as I am very into interacting with communities. This tour was offered by @colorsofzanzibar on Instagram for about USD 50 which included a tour to a sea weed village, local school, a woman who taught me how to make rope out of coconut fibre, a local traditional meal of choice, a visit to the local hospital and a tour around the village and its local homes which are called Kibandas. 

 My Trip

Starting off from Stone Town

If I could describe Zanzibar to someone it would be that it is not like what I have seen on TV or in magazines, it was is so much more than I expected it to be. Every little detail in Stone Town was beautiful. The name Stone Town says it all, it gets its name from the ornate houses built with local stone by Arab traders and slavers during the 19th Century.

When I travel I always look to see if a place is able to make me feel at home and that’s exactly how I felt when I arrived. From the moment I landed people were very welcoming, everyone smiles and greets you with a jolly Karibu which means welcome and I knew then and there that I was going to have a great time.

The airport is rather very small so don’t be surprised, just adapt. There are also various airport transfers that can take you to your destination. I made use of Bennito who came highly recommended on all the research sites when I was planning my trip. Noting that I had arrived in the evening I wanted to make use of a reliable and safe transfer so Bennito it was, you can find him on Instagram @zanzibardestination or WhatsApp him on +255 743 072 597 and he charges USD 12 to Stone Town which is a 40 minute drive from the airport.

Just a heads up, there are no traffic lights or stops in Zanzibar so people drive like maniacs however don’t worry too much about the driving because they know their roads so trust that you will be okay.

When I arrived at my hostel, I noticed how filled the streets of Stone Town were with many tourists from all corners of the world as well as its residents walking around and socialising. As I mentioned earlier I stayed at Ten to Ten hostel which was very welcoming. Since it is somewhat of a newly built accommodation everything was really clean which I liked and it was centred basically in an area that was safe, surrounded by a number of places to eat and attractions.

My Highlights of Stone town.

I explored Stone Town by myself and whenever I got lost people were always willing to direct me the right way. I visited the Secret Garden at Emerson spice tea house where I had lunch and I was taken on a free tour of the hotel itself. It’s always good to ask if this can been done because you never know what you can score for free.

I also took a walk to Forodhani Garden which was a minute away from my accommodation. Basically this is a food market near a waterfront and every day just before sunset young teenage boys gather at the water front and jump off into the water to cool themselves.

I then also went to Darajani Market and the local fish market which was a free activity as welll. Along the way I stumbled upon Jaws corner, which is a corner where men usually meet every day to drink a cup of spice tea while discussing various life topics.

In addition I also went to a traditional spa called Mrembo Spa, where I chose a head, neck and back massage. This spa also helps Swahili females who are in the process of getting married prepare their bodies by clearing their skin to make it smoother before the big day. It also offers workshops where one can learn how to make incense sticks among other things. Mrembo spa can be found on Instagram @mrembospa or visit their website at www.mrembospa.com for their contact details.

Another discovery I came across was the House of Spices, which is a restaurant that till this day maintains its Arabic atmosphere and touring around the space was free. 

All these places that I had gone too were located really near my hostel. It would take me about 7 minutes to get to each which was very convenient. And then off I was to the island of Jambiani.

Ending off in Jambiani

About sixty kilometres, southwest of Stone Town was where my island of choice Jambiani was situated. Why Jambiani, well I wanted to truly experience and live the Tanzania local life that is away from all the touristy stuff.

Jambiani is a very big village, it’s so big that it has been split into two parts and has two local chiefs that run each side of the village. The village is home to Muslims, Christians and Buddhists

Since it is a seaweed village local fisher men are usually seen in the early hours of the morning pushing out their boats for fishing as most of the residents from the village survive on sea food. They also make their income from this. In addition local women from the village assisted by their children also make a living from seaweed farming which is very common.

Arriving at my accommodation, Vanilla House I was welcomed with smiles and a fresh glass of mango juice before they had taken me to where I would sleep. On the very same day I found myself amidst a small intimate beach wedding that my place of accommodation was hosting where a polish couple eloped. This was amazing because it was my first time experiencing a beach wedding and now I am definitely left wanting to someday have a beach wedding of my own. 

On the very same day which was a Friday, I also got the chance to attend another wedding but this one was much bigger. It was a local Muslim wedding and I had been informed Muslims usually celebrate their weddings on Fridays. Most of the people from the community gathered around in a circle and had a joyous dance off. Jambiani was truly just amazing.

During my time there I also awoke to the most beautiful sunrise I had ever seen while overlooking the soothing sound of the oceans waves. 

Throughout the three days I spent on Jambiani I explored the beach this too was a free activity. I also took a bike ride that was offered by my accommodation for US 5 along the beach.

I as well had the opportunity to get on the local boats of Zanzibar called Dhow boats with a young man called Harry and is father. Although language was somewhat of a barrier Harry and I communicated pretty well as he knew a little bit of English.

All the meals I had throughout my stay were freshly prepared depending on whatever I wanted to eat and many restaurant on the beach were affordable as well.      

There is so much I can say about both Stone Town and Jambiani but I would want you to experience it for yourself to see exactly what I mean by it is nothing short of amazing. I hope that this write up will help you plan your trip or any other trip in general that you might want to take.

Taking UBI seriously part 6: Dolan

This is the sixth in a serious of posts looking for a serious proposal for universal basic income. Previous posts:

A Budget-Neutral Universal Basic Income by Jensen et. al.

Basic Income – Why and How in Difficult Economic Times: Financing a BI in Ireland by Healy et. al.

Andrew Yang’s proposal as part of his presidential campaign

A variety of indicators evaluated for two implementation methods for a Citizen’s Basic Income by Malcom Torry

It’s Time to Think BIG! How to Simplify the Tax Code and Provide Every American with a Basic Income Guarantee by Allan Sheahen

In this post I will be looking at a UBI proposal by Ed Dolan, an economist and Senior Fellow at the Niskanen Center. He set out his plan in a series of posts on the EconoMonitor blog (part 1, part 2, part 3) . The meat of the proposal is in part 2.

tl;dr: Not a serious plan. Vague on some of the tax measures, penalties to seniors on Social Security make the plan politically untenable, and worst of all, it’s a massive transfer of wealth AWAY from the poor

Like most UBI proposals, Dolan’s idea is to replace most current welfare spending, although he would leave health care spending (Medicaid and CHIP). Unlike most proposals, though, he replaces this with a benefit that falls far short of enough to live on, which calls into question whether this should be called a basic income at all.

His plan, in brief, is this: eliminate all federal means-tested welfare, except for health care programs. Eliminate some middle class entitlements such as the mortgage interest rate deduction and the personal exemption for income taxes. Divide the money equally among all US citizens (including children). Returees get the choice of the UBI or their current Social Security benefits, but not both. The budget is below, figures in billions of dollars.

Excluding those retirees who would rather keep their current Social Security benefits, Dolan figures on 259 million recipients, for a benefit of  $4452 per person.

Before I go on to what’s wrong with this, let me mention two things that Dolan got right. First, he left health care alone. Many people who propose replacing the current welfare system with UBI sweep up health care along with everything else, ignoring the fact that if you have $50,000 in medical expenses a year, a UBI of less than that is not going to leave you better off. And second, he gives the benefit equally to children and adults. Poverty is concentrated among children, so if you are trying to make a poverty-reduction program, you should prioritize children. A lot of UBI plans give children either a smaller benefit or nothing.

That said, $4452 per year isn’t nothing, but it’s not credible to call this a basic income if “basic” means “provides for basic survival needs.”  Using federal poverty guidelines for 2014 found here, that's 38% of the poverty level for an individual or 75% of the poverty level for a family of four. (Lower 48 only. Guidelines for Alaska and Hawaii are higher.)

And that’s before getting into specific problems with the components of Dolan’s budget, which I will tackle in reverse order.

Most retirees and disabled people on SSI are worse off

Dolan figures that there are about .42 million retirees on Social Security and 21 million people under 65 who receive Supplemental Security Income, most due to disability. His plan is to offer them either $4452 per year or their current benefit, whichever is greater. For most of them, their current benefit is the better deal, so Dolan figures 57 million people will keep what they’re currently getting and be no worse off.

Except that they will be worse off, because of Dolan’s other cuts. They will lose all of whatever welfare they are currently receiving, as well as the provisions in the tax code that Dolan calls middle class entitlements. Every one of those 57 million is going to lose something, because Dolan would eliminate the personal exemption on income taxes. For those 57 million, Dolan’s plan means all loss and no gain.

The AARP is never going to sit still for this, so I think Dolan’s plan is dead in the water on this provision alone.

 Vagueness on cuts to tax expenditures

Dolan wants to cut some federal tax expenditures for a total of $577 billion in new revenue, but he’s not clear on exactly what. He leaves out exclusion of taxes on health insurance plans, and then lists $174 billion in benefits to home owners, retirement savings exemptions at $145 billion, and deductions for charitable giving at $49 billion. The rest, which would come to $202 billion, would be a number of smaller tax measures.

But all tax expenditures, leaving out health-related ones, come to much more than $577 billion, so it’s not clear which ones Dolan is targeting. His link to a list of tax expenditures no longer works, but I believe he’s using these figures. Which of them make up the $202 billion in the miscellaneous category? The big ones would be capital gains ($76 billion), the step-up basis of capital gains at death ($66 billion), the child tax credit ($24 billion), exemption of Social Security income ($26 billion), exclusion of interest on state and local bonds ($29 billion), and deductibility of state and local taxes ($46 billion). Those come to $267 billion, and the smaller provisions would add a lot more. Since Dolan doesn’t say which ones he wants to eliminate, it’s impossible to figure who benefits from his plan and who pays.

Current welfare recipients are much worse off

Go back and look at that budget again. It takes $500 billion that currently goes to the poor and divides it up among everybody, poor, middle class, and rich alike. That means, obviously, that a lot less of that money is going to the poor.

To make up for this, Dolan adds another $653 billion and again, divides it among everybody, and again, that means most of it is not going to the poor.

If you’re trying to help poor people, don’t you think it would be a good idea to make sure they’re getting back at least the $500 billion you cut from welfare?

There are, let’s say, 50 million poor people in the US. Depending upon what you count as poverty, you get a different number, but 50 million is a nice round number and good enough for a sanity check on Dolan’s idea. At $4452 each, their share of the UBI payout is $222.6 billion. 

Poor people are getting back less than half of what they lose to welfare cuts. 

That’s a very rough estimate, but we can check it against data that Dolan had on hand: the report from the Cato Institute that he cited for his welfare numbers. Starting on page 11 of the report, there is a breakdown of the cost and the number of recipients for each program, which lets us calculate average welfare spending per participant. Here are the results for some of the larger programs.

Those are averages, of course, and in particular the number for TANF is not to be taken at face value because only about 25% of that goes to cash benefits. But it should raise some red flags. A thoughtful and responsible person would have done a little googling around.

Median combined SNAP and TANF cash benefits for a family of 3 in 2012 were $869 per month (source, p. 13), which is $10,428 per year. Dolan’s UBI for three people is $13,356, so substituting that for SNAP and TANF, the family is $2928 per year better off. But take away an average EITC of $2037 and school breakfast and lunch programs for two kids at $1203, and the family is now $312 worse off. And that’s before losing WIC, Head Start, Section 8, or any other program they might benefit from.

I have criticized the authors of other plans for not using a tax model to figure out who benefits and who pays, but Dolan couldn’t be bothered to run the simplest check to see if it’s even plausible that his plan works. That’s insultingly shoddy.

Having completely missed this little flaw in his plan, Dolan ends part 2 of his series with this statement:

My purpose here has simply been to show that a UBI within striking distance of the poverty level, as commonly understood, would , conceptually, be affordable without aggressively attacking the fortunes of upper income Americans and without raising anyone’s effective marginal tax rates.

Well you fucking failed at that. Ed Dolan, you are a professional economist with a PhD from Yale. I, an anonymous rando on Tumblr, have only taken one class in economics ever and that was at a second-rank state school. And yet I discredited your work with about two minutes of arithmetic. 

That being the case, I feel qualified to say that you are an innumerate nitwit and I wouldn’t trust you to add up a bar tab.

Oh, and if you take away the personal exemption you are obviously raising the effective marginal tax rate for at least some people. Good grief, think about what you’re saying for a moment.

Conclusion: this is a horrible plan that completely screws the poor, and the quality of the economics program at Yale must be pretty awful if this guy is any indication. 

How Freelancers Can Catch FIRE (Financial Independence Retire Early)

How Freelancers Can Catch FIRE (Financial Independence Retire Early)

Millennials around the world are facing bleak job prospects and a world economy in near shambles from the COVID-19 pandemic. Naturally, the idea of living off investments sounds pretty good right now. Personal finance has long talked about the idea of becoming financially independent, meaning not owing debt and having your investments cover your living expenses. But now there’s a millennial twist on it: retiring early. Put together, you get FIRE (Financial Independence Retire Early)

Once the domain of employees tired of their 9-5 jobs who want to travel more, FIRE is creeping into all sectors of the working world. With more people going into freelancing due to the pandemic – on top of the 55 million+ freelancers that are already out there – it’s high time we had the FIRE conversation from the perspective of freelancing.

What is FIRE (Financial Independence Retire Early)?

FIRE is made up of two core principles: becoming financially independent (FI) and retiring early (RE). It sounds simple, but the community is wildly splintered.

The definition of financial independence is largely accepted as having investments producing enough income to cover your living expenses. That could mean simply survival expenses of food and shelter all the way to living a lavish lifestyle – it all depends on the individual.

The definition of retiring early, however, is wildly up for debate. Personal finance guru Erving says she hates the concept of FIRE for this exact reason. She believes it’s a huge mistake for young people to take themselves out of the workforce during what would be peak earning years. Interestingly, though, many FIRE advocates agree with her.

Take Kristy Shen, aka FIRE Cracker from Millennial Revolution, a Toronto engineer who FIRE’d along with her husband a few years ago. She was livid that Orman implied FIRE advocates don’t understand compound interest or never want to work again in their lives. On the contrary, the “RE” in FIRE is often understood not as never working, but only working on what you want to. For Kristy, that’s writing. She and her husband wrote Quit Like a Millionaire and have earned hundreds of thousands of dollars writing over the years since FIRE. So much for never working again.

The origins of FIRE and the unique road of freelancing

“I realized the traditional rulebook of life: 1) get a job 2) buy a house 3) be loyal to a company and work until you are 65 and 4) retire with a pension, was broken,” said Shen. “Jobs are no longer stable, houses are no longer affordable, and jobs with pensions are rarer than unicorns.”a freelancer who hit FIRE at age 25, couldn’t agree more. He sees himself as incredibly risk averse, so FIRE was his way “to make income unnecessary” in his life. Talk about risk reduction.

“I work full time and freelance,” she said. “I freelance to pursue my passions (blogging, podcasting, speaking, teaching) and also to build a business so that I can eventually quit my 9-5.”

FIRE was originally developed by people who hated their 9-5 jobs and wanted financial freedom to work on passion projects. So where do freelancers fit into the mix? It gets a bit complicated when you consider that freelancers have inconsistent income and a different tax situation. Those two seemingly small things can change the whole FIRE formula for freelancers, so it’s critical to look at it from that unique angle.

Step 1: Know what kind of FIRE you want

FIRE fundamentally means having enough income from investments that you don’t need income from labor to live. The implied second part is reaching this milestone as early as possible in life, both to benefit from compound interest longer and to enjoy “retirement” for a longer period of time.

Within the financial independence retire early movement, there are three key categories:

Lean FIRE

Fat FIRE

Coast FIRE

Lean FIRE means you cover your essentials with your investments: food, transportation, lodging, and healthcare. That’s it. People who hit this level of FIRE often quit a job they hate but may choose to continue working on passion projects or, as many like Shen have already, become bloggers about their FIRE journey.

Fat FIRE means having enough tucked away for a comfortable lifestyle involving travel, meals out, and more refined lodgings or transportation. What you put into Fat FIRE entirely depends on your lifestyle choices – for some that means vacations, for others it’s a nice car, and for others it’s fancy steak dinners. It’s your choice.

Coast FIRE means you no longer have to actively put money into your investments in order to reach your retirement goals.. For example, if you have $300,000 in investments at an annual compound interest rate of 5%, it will hit $1,000,000 in 25 years. So if you want to retire at 65, your “Coast FIRE” number and date is $300,000 by age 40.

FIRE advocates will often tell you that a huge part of picking your FIRE strategy is also understanding your debt situation. Then, of course, getting out of debt as quickly as possible.

One FIRE journeyer who runs the account ForBetterOrWorth on Instagram, said that’s where his FIRE journey started.

“Our journey to FIRE started with becoming debt free and then figuring out what to do with all that money that used to be debt repayment,” he said.

Step 2: Identify your FIRE number

This is simple math. Once you know what kind of FIRE you want, you simply have to start the calculations.

Here’s what you do:

A) Make a list of all the monthly expenses you will have

From housing and healthcare to travel and dining out. You can also make different models based on Lean and Fat FIRE, if you want to see how the expenses shake out.

Let’s say this is $5,000 per month.

B) Multiply the total monthly expenses by 12, so you have your annual expenses.

That makes $60,000 per year.

C) Add a cushion just in case – usually 10-25% of the total value.

At 20%, that’s $72,000 per year you need investments to generate.

D) Divide the number by 4% (or 0.04 on a calculator), which is known as the “safe withdrawal rate.” (SWR).

The concept of the SWR is that you can draw that percentage each year without ever touching your investment principal. That means the FIRE fund will last, theoretically, forever (PS, this is how rich people live almost all the time, earning money from dividends and assets instead of their labor).

You would need about $1,800,000 in assets to produce $72,000 in annual income.

This is also when you start to realize how small changes can have a serious impact in your FIRE goals.

Let’s say you reduce monthly expenses by $500 per month – to only $4,500 instead of $5,000. That means your new FIRE number is only $1,620,000 at 4% withdrawal. By removing $500 a month from your expenses, you don’t have to save an extra $180,000! Also keep in mind that you don’t have to budget for putting money into savings, since you will have this covered already with FIRE.

This is why many people who chase FIRE aim for the lowest possible monthly expenses, so that FIRE is easier to hit. Take Brian Groat, for instance, who hit his FIRE number of $600,000. He only needed $2,000 a month for his personal Lean FIRE, which was a key reason he was able to hit it so young in life.

Many others choose $1,000,000 as the start of FIRE. Shen did this when she FIRE’d, and new FIRE chasers like Torres-Rodriguez picked the same number.

For C, the anonymous poster behind ForBetterOrWorth, $1 million is just the baseline.

“Right now, $1.5MM even though it’s up for debate,” he said. “Once we hit the $1MM it will definitely be a chance to level set and see if we need to readjust. It’s definitely going to be a million at least!”

At the end of the day, it’s really up to you.

Step 3: Choose your investment vehicles

Tax sheltered investment vehicles are favored by the rich and by FIRE chasers. It seems whenever a country offers tax-advantaged accounts, FIRE chasers use them.

all Canadian. As such, they used accounts like RRSP (registered retirement savings plans) and TFSAs (tax free savings accounts). Torres-Rodriguez and ForBetterOrWorth are American and use 401Ks and IRAs, the American equivalents.

Other accounts depend on your personal situation.

Kinsella and ForBetterOrWorth both have kids. As a result, Kinsella uses RESPs (registered education savings plans) because the Canadian government matches a lot of your deposits. ForBetterOrWorth uses a 529 plan, the American equivalent of an RESP.

Real estate, on the other hand, is a tense subject in the FIRE community. It can provide a lot of passive income when done but can also cost a lot to maintain. Torres-Rodriguez said she “will be adding real estate to my portfolio this year.” Groat, on the other hand, said he used to dabble in real estate but doesn’t anymore.

Step 4: Prepare for freelancer taxes

Freelancing is more complicated when it comes to taxes, but that provides a unique advantage. One big question to answer, though, is whether to operate as a sole proprietorship or incorporate. While the decision is personal, other freelance FIRE chasers suggest incorporation.

“You’ll get a mix of opinions, but I chose to incorporate right off the bat,” said Kinsella. “Keeping business and personal separate has helped me treat the two the way they need to be. Personal is where I spend time planning for FIRE. The business I treat like I work for someone else. It’s a source of income that I also happen to run.”

“It’s going to be different for everybody,” said Groat. “But you want to look at incorporating instead of being a sole proprietorship when it makes sense for you.”

The next thing is to plan for reducing taxes as much as possible – something that using tax-advantaged investment accounts already helps with.

“As a high income earner, I maximize tax savings by maxing out my workplace and solo 401Ks and HSA [Health Savings Account] to reduce my taxable income,” said Torres-Rodriguez.

While this extra planning can be a nuisance, Shen noted freelancers have a lot more flexibility in the end.

“You have the flexibility of ramping up your earnings and investing more money than an employee could,” said Shen. “You can also write off expenses, which enables you to optimize your taxes.”

Step 5: Track your expenses

Tracking expenses is not necessary, but actively encouraged for FIRE chasers. It’s not just the extra coffee that will derail your FIRE plans, but the fact that it’s easy to let spending get away from you if you don’t keep an eye on it.

As for tools, though, the answer is pretty simple: Excel wins across the board. As Shen put succinctly, “I love spreadsheets.”

For folks that don’t like Excel, Personal Capital and  were two tools mentioned by FIRE chasers as helpful for them.

Step 6: Plan for inconsistent income

As mentioned in the tax planning section, freelancers have inconsistent income – it’s a simple reality of freelancing.

For freelancers chasing FIRE, there are two risk mitigation strategies you can use:

Retainer versus growth: Try to find a client on retainer that pays enough to cover your living expenses. Everything else goes to FIRE.

Start an emergency fund: Give yourself 3-6 months of expenses sitting in cash (or a high interest savings account) so if the business goes south for a bit, you won’t have to stop your FIRE contributions.

Step 7: Avoid FIRE pitfalls specific to freelancers

When talking to the FIRE chasers, six key pitfalls came up that are unique to freelancers.

1 – Charge what you’re worth

“Not charging enough or not charging money soon enough,” said Groat, talking about the key pitfalls to avoid. “A lot of freelancers charge an hourly rate, whatever their salaried income was plus $5,” which he says is “disastrous.” He recommends your freelancing rate be double whatever an employee would earn for the same work.

2 – Have a contract

A solid freelance contract gets you out of a whole assortment of problems. It governs work scope, payment terms, deadlines, late fees, and more. Since it’s a legal document, it tends to keep clients more in line than a simple handshake agreement. And if you ever needed to go to court, you have the contract to back you up.

3 – Know difference between cash flow and wealth building

“As a freelancer, you want to focus on cash flow and wealth building as two different things,” said Groat.

Cash flow is the money coming in and going out of your business each month – salary plus other expenses. Wealth building is the money put aside to buy assets. Don’t mistake a good month revenue-wise as getting you closer to financial independence, retire early. The real key is investing as much of your money as possible.

4 – Ignore things and people that detract you from your goal

When you start pursuing FIRE, a lot of people will have a lot of opinions (especially Suze Orman, apparently). But you have to simply ignore and push through.

“People will second guess you and try to talk you out of it,” said ForBetterOrWorth. “But go for it and keep going. It takes time for your investments to compound, but once you start to see that – it’s GAME OVER!”

5 – Make sure you’re disciplined

It’s not just inconsistent income – freelancing is a bumpy ride. There are many things that could derail you or force a pivot. The key is to just be ready.

“That’s why you’ll have to be very disciplined in investing consistently, since you can’t just put in the same amount of money every two weeks like you would with a steady paycheck,” said Chen.

6 – You don’t need to stop freelancing post-FIRE

Freelancing is one of the most free jobs in the world – it’s literally in the name. So after hitting FIRE, don’t worry about needing to send a goodbye email to your clients.

“Just because you’re FI doesn’t mean you have to be RE,” said Groat.

Step 8: Chasing financial independence retire early doesn’t mean ignoring fun

There’s a misconception that FIRE chasers are paupers, scrooges, and otherwise very very cheap people. This is not true. While you can get to FIRE by scrimping every penny, the majority of FIRE chasers realize that FIRE is a marathon. Even the fastest journeys still take years for most people.

“I don’t know about you, but back when I was working towards FIRE, I had a lot of fun spending $5000-$10,000/year on travel with zero guilt,” said Shen. “It’s not about depravity it’s about optimization. Prioritizing your spending towards things that make you happy by cutting back on things like bank fees, portfolio management fees, and spending on things you care about.”

You can also work to make your fun free. As a freelancer, you have the freedom to buy something fun – like a boat – then rent it out part-time to cover the costs of ownership. You can also hack credit card points so your fun is paid for. When you do have fun and spend your own money, you can even turn it into a business opportunity.

“When we go out, we make it count,” said Kinsella. “We spend our money at local businesses because A) it’s the absolute right thing to do to support your neighbours and B) they’re great to include in your network to help with new introductions for your freelance services.”

The key is, like it is for most things, balance.

“We still traveled one or two times a year, but we didn’t shop, we didn’t eat out as much, etc,” said ForBetterOrWorth. “I think as long as you are real with yourself about what you want and what you can live without, you can find the right balance.”

Who wants to catch FIRE?

Financial independence is a dream for a lot of people. The financial independence retire early movement breaks it down into a simple-to-follow plan with a catchy name. But regardless of what you call it, the tenets are the same. Suze Orman and other personal finance gurus call it “financial freedom,” while others call it “being rich.” It really doesn’t matter. What matters is your goal, your money, and your freedom to choose the life that suits you. Everything else is just tactics.

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The iPhone 12 Pro has now been out for several months, and it has proven to be one of the best sellers yet (with a couple of exceptions). Consequently, there are countless reviews on it in terms of performance and features, and, of course, the camera, which continues to improve with each iteration. So, how do you write a review of the iPhone 12 Pro that isn’t like all of the other thousands of reviews out there (that probably do a much better job than I will ever do)? It isn’t easy. But I have now been using the iPhone 12 Pro Max for a few months, and my friends, family, colleagues, tech aficionados, and coworkers have been asking me: should I upgrade to the iPhone 12? My response: probably yes. But, there are a few things to think about before you do. This review of the iPhone 12 Pro is more of what I would tell my friends. It has some of the key features, yes, just like any other review, but as a “trusted advisor” on tech to those who know me, I have limited my commentary to a few core things that stood out to me. Everyone has a different perspective, different ideas on what they “need” or “want,” and different use cases. When getting any smartphone, you should carefully consider those before making a purchase…because new, cutting-edge smartphones are not exactly cheap. Here are nine items that I feel are important to think about, particularly as they relate to the iPhone 12 Pro Max (the one that I have). They aren’t in any order and can be view with equal importance. Do let me know if you have any questions! Before the features, think about the smartphone you currently have Here are some things to consider before taking the plunge and doing an expensive upgrade. I list them as a series of questions – ask these to yourself. And while I’m heavily skewed toward the Apple ecosystem and probably wouldn’t change platforms, you can ask these across platforms. How old is your current smartphone? If it is more than 1-2 years old, I would say, yes, upgrade. You can take advantage of faster processors, better cameras, stronger connectivity.What is the primary (and secondary) use for your smartphone? Is it photography or videography? Checking mail and surfing the web? Tethering with your laptop? Making phone calls? Streaming media (music and videos)? All of these are potentially important. If you use your smartphone for less processor/CPU-intensive items like just email and browsing the web, you might not need the top-of-the-line version. How is the storage on your current smartphone? Are you always having to find a way to “free up space,” or are you never able to update apps or the OS because you don’t have enough free space? If so, spend a bit extra and get more storage (the most you can if you can afford it, I’d say). Don’t get the minimum amount of space.What is a comfortable size for your hands/pocket/purse? Yes, size does matter. It affects the price, obviously, but also your viewing experience. If you are watching movies all the time, a large screen is a huge advantage. Same with taking photos or video – seeing more detail definitely helps. But if you have small hands or want to carry your smartphone easily and discreetly, you may want to opt for a smaller size.Do you really need to have 5G? It is a big buzzword. Many mobile carriers are pushing 5G as THE best thing to have. Guess what, it really depends on where you do most of your mobile phone use. If you are on WiFi most of the time (aren’t we all working from home now?), 5G might not be that important…right now. And, 5G coverage and speeds vary dramatically based on geography, proximity to 5G-enabled cell towers, etc. More about 5G later.Do you take photos or videos? One of the biggest features that all of the smartphone manufacturers talk about and compare is the camera. If you don’t take many photos or videos, you probably don’t need that smartphone with five lenses running down the back (I exaggerate, but I wouldn’t be surprised if the numbers do climb). But, it is becoming increasingly more difficult to take a “bad” picture with a newer smartphone. If you are a couple of generations behind, like with the iPhone, upgrading your iPhone will also upgrade your photos and videos (but remember the storage question above). And you may also want to think about the different levels within the same smartphone release (e.g., the iPhone 12 versus the iPhone 12 Pro). There IS a pretty big difference if photos and videos are important to you. And lastly, think about how you use your smartphone. As I said, it’s quite personal. (Don’t forget about costs as well – the price of top-of-the-line smartphones now rivals even laptops!) What if I have an iPhone already? Let me talk briefly about the iPhone upgrade in particular. This is not an algorithmic calculation in any way, just my gut feel and personal recommendation. If you have an iPhone 11 or iPhone 11 Pro – you probably can hold off a version. If you have an iPhone X or iPhone X Max – this really depends on your budget and many of the questions above.If you have an iPhone XS/XR – truly, this depends on the questions above. My kids had these with minimal space. They take lots of photos and videos. The upgrade to the iPhone 12 Pro was almost a given.iPhone 9 – DON’T EVER UPGRADE (hint: there is no such thing as the iPhone 9 so if you have one, hold on to it!)iPhone 8 – you lose your TouchID, but FaceID is much better IMHO. I say yes, upgrade for many benefits across the boardiPhone 7 or older – this is a no-brainer. Do the upgrade! I highly recommend using Apple’s interactive iPhone model comparison tool to drill down into the differences between current and previous models and the differences within the same model year. Now that I have covered the iPhone upgrade path in general, what about the iPhone 12? There are two major versions to consider, the iPhone 12 and the iPhone 12 Pro. Within these versions are two sub-versions. Here’s the lineup: iPhone 12 and iPhone 12 mini – see the comparisoniPhone 12 Pro and iPhone 12 Pro Max – see the comparison Here, the difference comes down to size, price, and camera primarily. So, go back to my initial questions earlier. Each of these models has the new Apple A14 Bionic chip, so the processor isn’t really a factor. I had the Apple iPhone 11 Pro Max for about a year. For me, the biggest change was the camera. You can read my thoughts about that here. So, how does the iPhone 12 Pro Max compare? Below are nine things I believe are important to talk about regarding the iPhone 12 Pro Max. 1 – Speed of the A14 Processor The A14 Bionic chip is Apple’s latest and greatest processor. As more processing power is squeezed into a smaller design, you would think things might not be that much “better.” In fact, the A14 is super fast. I could even notice it compared to my iPhone 11 Pro Max which had the A13 Bionic. Apple boasts increased efficiency, better battery life, better processing for graphics and video, and a whole lot more! 11.8 billion transistors, 16-core Neural Engine (helps with taking better photos – haha), 11 trillion operations per second (video games absolutely fly), new image signal processor (again, better photos with Smart HDR 3), Dolby Vision & 4K capable (you could actually film that next Oscar-winning film on your iPhone)…yeah. But what does that mean? To put it simply, you have a pretty amazing supercomputer in your hands. Yes, the iPhone 12 Pro Max is a step up from the iPhone 11 Pro Max. It is noticeable. But it is a huge leap from all previous generations! 2 – Camera (Obviously) Talking about the iPhone 12 Pro Max’s camera is worthy of an article upon itself. There are so many technical advancements and improvements that it boggles the mind. Whether you are a professional photographer or videographer, or just the family photo-journalist trying to capture each and every moment, if you want to take amazing photos, night or day, the iPhone 12 Pro (Max) is the way to go. Be sure to review my recommendations earlier about which upgrade path makes the most sense. From the iPhone 11, you may want to wait a generation. But anything earlier, the camera is truly the forcing function. Instead of going into huge amounts of details on each updated, new, or improved feature, a nice little laundry list of items is probably sufficient. Here are some of the highlights of the iPhone 12 Pro: 4K Dolby Vision HDR – yes, you can shoot, edit, and share with that high of a quality. Record at 60 frames per second (fps) and 700 million colors.LIDAR Scanner – create a 3D depth map of objects without the dependency of light. This can be used for Augmented Reality (AR) or truly ups your photography game to help with autofocus in low-light environments.Improved Night Mode – night-mode photography blew my mind when I tested it in the iPhone 11 Pro Max. With the 12 Pro Max, it’s even better (especially when coupled with LIDAR). Faster CPU, wider aperture, improved lenses make night shots even better!5x Optical zoom – yes, you can zoom in even closer with better resolution without the need for the OS to do digital zooming (and interpreting)Improved Image Stabilization – don’t worry about having that extra cup of coffee and having jittery hands. The iPhone 12 Pro Max does stabilization at 5000 times per second!Deep Fusion & Neural Engine at work – these two techy terms essentially translate to much better detail, even at lower light, without even thinking about it.Smart HDR 3 – better refinement of highlights and shadows means you can shoot just about any time of day you want with amazing details and color balance, from whites to blacks.3 Different Physical Lenses – choose from Ultrawide, Wide, or Telephoto for the perfect composition.Apple ProRAW – this is sort of like RAW with an Apple boost. RAW photos (while huge in size), contain all of the image information – a perfect option for those photography purists!TrueDepth – while taking photos of others is great, the front-facing camera now has night mode. Those selfies never looked better! Now that is just scraping the surface of the iPhone 12 Pro Max’s camera features and improvements. If you haven’t experienced it, borrow someone’s iPhone 12 Pro and test it out. Reading a bunch of words doesn’t really do it justice; you have to experience it in action! 3 – High-Speed 5G Cellular 5G is the big thing right now. All of the carriers are talking about it. But as I mentioned before, whether 5G is good for you or not depends on a lot of things – location being the primary one. If you are on WiFi all of the time, it might not be worth it. If 5G hasn’t been fully rolled out in your area yet, again, this might not be a big determining factor. The iPhone 12 comes ready for slurping down 5G goodness. But, you should check to see if your current cellular plan even supports 5G. In fact, I had to upgrade all of my family to a 5G plan since our old unlimited plan didn’t have it. But guess what? I actually saved some money doing the upgrade. Also, if (and when) you do get the iPhone 12, be sure you take a look at the 5G options under Settings > Cellular > Cellular Data Options. There are some choices there to make. Personally, I have my Voice & Data set to 5G Auto and my Data Mode to be Allow More Data on 5G. Remember, 5G does consume more power. Having it on Auto supposedly will help regulate when it jumps into overdrive. Also, if you don’t have an unlimited data plan, you may blow through your 5G data allotment, so be sure to know what you sign up for. 4 – An Even Better Screen The iPhone screen continues to improve with better resolution, color depth, brightness, contrast ratios, and more. Known as the Super Retina XDR display, this new screen has up to 1200 nits of max peak brightness (800 nits typical viewing), great for movie watching and gazing in awe of HDR photos. What is a nit? It is the standard unit of luminance used when describing sources of light. The higher the rating, the brighter the display. Basically, the iPhone 12 Pro Max is pretty darn bright, which I can definitely attest to. Packed into the 6.7-inch (diagonal) screen of the iPhone 12 Pro Max, which is OLED, are 3.4 million pixels. This equates to a 2778×1284 pixel resolution at 458 ppi. It is also an HDR and True Tone display. What does that mean to the rest of us (tech mumbo jumbo aside)? Watching movies, viewing photos, web browsing, and just doing menial tasks look glorious on this screen. I have even found that viewing movies, coupled with a good headset, is almost better than watching in a media room with full surround sound. But that is just me. 5 – A “New” Body Redesign I like to call the iPhone 12 Pro a bit of a throw-back edition. Physical designs change between generations. Sometimes the changes are not as obvious, while other times, the differences are pretty dramatic. The iPhone 12 moves away from the rounded edges and goes back to the iPhone 5 somewhat. This “new” design, which basically has a metallic band circling the outside, allows for more screen to be displayed and less bezel being seen. Buttons and toggles are still in the same places as before, so your muscle memory doesn’t have to change. The body is crafted from Surgical-grade stainless steel for the iPhone 12 Pro and 12 Pro Max, and the iPhone 12 uses aerospace-grade aluminum. The iPhone 12 Pro Max is comfortable to hold and not too slippery. However, I always highly recommend getting a good quality case to protect your iPhone investment. But, read on to the next two sections as they are both quite important when choosing a case (if you do actually need one). 6 – The Ceramic Shield The scariest thing about having an iPhone is when it accidentally falls from your hands. As if falls to the ground, so does your stomach. Will the screen shatter (which is pretty costly to repair – hint, it is worth getting Apple Care for your iPhone just to feel a bit safer)? With the iPhone 12, Apple introduced something called the Ceramic Shield. While with each iPhone generation, the durability of the screen gets better, in this generation, Apple truly wanted to make it even better. They basically baked nano-ceramic crystals (which are stronger than many metals) into the glass. This makes it much more resistant to scratches (think about your iPhone in your pocket or bad being bounced around with keys knocking against the screen). I have read reviews and tests of the new Ceramic Shield, and those parties have stated that the front screen is definitely better, even related to drop tests. Remember, the Shield is only on the front screen, so you may want to get a case to protect the edges and back anyway. And be sure that if you get a case, that on the front, the edge goes slightly above the screen to help prevent scratching of the screen if it slides across the ground, face-down. 7 – MagSafe Charging Ah, the MagSafe. Many of us who use MacBooks or MacBook Pros became familiar with the magnetic attachment for the power cord (which was unfortunately removed with the newer USB-C MacBooks or MacBook Pros. (Rumor has it, they might be back in future MacBook Pros with the M1 chip.) Using a strong magnet to hold the connective power in place, the MagSafe was great. Apple coupled the idea of power (wireless charging) with the magnet in the iPhone 12. You already had wireless charging capabilities in older iPhones, but with the addition of the magnet into the iPhone, you are sure that the wireless charger snaps into place and is charging. One of the most satisfying things about the new MagSafe charging on the iPhone 12 is that click sound when the MagSafe is locked in place and charging. There are already many manufacturers of MagSafe-compatible “puck” charges. I currently use the Apple MagSafe Charger. Sometimes I will disconnect and reconnect just to hear it. But MagSafe brings a new line of accessories to the mix. I have a clear plastic case by Apple that clearly indicates where to put the charger. The MagSafe is actually quite strong. I’m currently testing out some MagSafe stands that hold the iPhone 12 Pro Max in place without having to rest the iPhone in a cradle. And there are lots of other accessories and cases that incorporate it into their designs. 8 – Don’t Forget the Battery I have to disclaim talking about battery-related items right from the start – “your mileage may vary.” How long your battery will last really depends on how you use your device. Yes, this is stating the obvious, I know. If you have minimal apps, don’t go on your smartphone much, only have one email account, and don’t stream video, you probably have a much better battery life than I do. That being said, the battery on the iPhone 12 Pro Max is pretty good. I can get by pretty much an entire day without having to charge it up. But again, I’m a very heavy user and have many background tasks always running. The best thing about getting a new iPhone is you get a new battery. Over time, and despite new and better-charging algorithms built into iOS, your battery will degrade. Charging has also improved, BUT that is because chargers now have more power. NOTE: the iPhone 12 (Pro) does NOT come with a power adapter. Apple figures that everyone has an adapter already. I would HIGHLY recommend you get a 20W or higher adapter to take advantage of fast-charge capabilities. With a 20W or higher adapter, you can get a 50% charge in 30 minutes. (Here is one 3rd party power adapter I recently reviewed which might be a great option.) The iPhone 12 Pro Max’s batter is quite similar to the iPhone 11 Pro Max. In fact, I believe the iPhone 11 battery has a higher capacity. However, as hardware and software become increasingly optimized, capacity might not necessarily translate into a longer battery. 9 – iOS 14+ Support Last but not least here, you have to consider iOS 14 (and higher). Apple optimizes their operating system to take advantage of the latest hardware. Consequently, Apple starts dropping support for older iPhone models simply because the hardware cannot keep up with the latest iOS (another reason to upgrade if you are way behind on iPhone generations). Having the latest hardware from Apple means that iOS is essentially built for it. I probably use just a fraction of all of the iOS capabilities. And the nice thing is that regular feature and security updates to iOS mean that your iPhone 12 Pro Max stays like a fine-tuned sports car. Upgrade or Not? Yeah, ok, if you have read over 3000 words in this article, it means that you are doing your research on whether the iPhone 12 Pro Max is a good upgrade for you or not (or you just like reading my writing). There is a lot to consider when doing this type of upgrade. The first section of this article talked about why you might want to upgrade, and then the rest was about why choose the iPhone 12 Pro Max. But I feel like it also does come down to price and what your budget can handle. There are 4 models of iPhone 12 and within those, you have storage capacity (I always say go as large as you can). Don’t forget about the 5G upgrade you may need to do with your mobile wireless carrier. Below are a few options with prices (on Amazon) with the most storage available: iPhone 12 mini – 256GB Black – $879iPhone 12 – 256GB Blue – $979iPhone 12 Pro – 512GB Graphite – $1,299iPhone 12 Pro Max – 512GB Graphite – $1,399 Shop on HighTechDad The product shown below (and related products that have been reviewed on HighTechDad) is available within the HighTechDad Shop. This review has all of the details about this particular product and you can order it directly by clicking on the Buy button or clicking on the image/title to view more. Be sure to review other products available in the HighTechDad Shop. Apple iPhone 12 Pro Max $1,399.00 Buy on Amazon I wrote this review and article for friends, family, and co-workers in mind to help them potentially navigate the iPhone upgrade path. But, obviously, if you are reading this, I wrote this article for you as well. Please! Feel free to contact me if you have any questions. Leave a comment below or ask me on Twitter. I’m happy to help if I can. Upgrading your iPhone is always fun yet tricky. Just be sure you fully understand what features you want versus what features you need! HTD says: The iPhone 12 Pro Max is a supercomputer in your hand with new features and capabilities that are astounding. Knowing if and why you should upgrade to a new iPhone is critical to your happiness using it later.

https://www.hightechdad.com/2021/02/21/9-reasons-to-upgrade-to-the-iphone-12-pro-max-what-i-would-tell-my-friends/

auto insurance test

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auto insurance test

auto insurance test drive, the better company will try to make time-consuming as possible. To get the best price, here are our tips along the way to get your insurance policy started: There are a lot of factors that come into play in what it looks like to drive a vehicle. What it comes down to is the type of vehicles that are driving on roadways. In some cases, there is an insurance policy for these things. Generally being the best type of car in your opinion is also a good thing in this respect because there is always an opportunity to change your coverage. In other situations, you can always find and replace your insurance coverage but keep in mind all the insurance companies will want to see if you have enough coverage to be on your vehicle as well if the conditions of your vehicle would necessitate a change in your insurance coverage being more limited. If you do have certain insurance companies that can provide coverage for cars of different styles that have less than ideal mileage and/or cost, this is one. auto insurance testability. So, if you are currently in a period of high blood pressure and the blood pressure is below 120 mmHg, your risk for being diagnosed with hypertension will be higher than that of having normal-grade dental disease. Your blood pressure in the United States is over 200 mmHg. If you have a doctor in this category. They are in most insurance plans. Your dental care is important. Without it, you wouldn t get full dental benefits. If you re thinking of purchasing a toothbrush. Because you re responsible for every part of your dental care, the cost of toothbrush insurance is a little higher. We ll help you make sense of dental insurance cost in United States. I have been having for a while but can t take it. I need proof now and I need dental insurance. I will give it on its own, so they would look over the application and decide if they will cover it and how. And how much is dentist and how much insurance is he. auto insurance test drive. As someone who has been driving a car for many years, it was not easy as we were unfamiliar with new car insurance. The first time I went with new car insurance, I was not sure where we would be able to get insured. My car was getting towed because I had a ticket, but our agent was able to tell us the cost of that because we did not wish on adding an extra insurance service. After having the car towed the next week, I realized, why not just give it an insurance test drive on Friday? As soon as we received the proof as you can, I drove the test car to my car that day; but we still needed the test drive, as the cost to get insured was high. After we took it, the test drive was in a little over an hour. We were given an entire page of the test drive and were able to get that taken care of before we were taken from the car to the test car in the same manner.

Free Auto Insurance Comparison

Free Auto Insurance Comparison Compare Quotes From Top Companies and Save Auto Home Life Medicare Health Is USAA an auto insurance company? Yes No What are their discounts? Free Car Insurance Comparison Compare Quotes From Top Companies and Save Free Car Insurance Comparison Compare Quotes From Top Companies and Save Free Car Insurance Comparison Compare Quotes From Top Companies and Save Free Car Insurance Comparison Compare Quotes From Top Companies and Save Review Information Now that you’re committed to getting the lowest rates from your insurance provider, it’s time to begin comparing quotes for different companies. Start by entering your ZIP code below to start! Get Quotes Insurance Type Auto Home Life Medicare Health Get.

Taking The Insurance Exam

Taking The Insurance Exam Online. For most types of medical tests, the test is run using a mobile app that offers a smartphone as part of the assessment. Depending on your state and state, you may be able to obtain the insurance ID card anytime by entering your email address, calling your insurance company, calling your agent, or visiting your local agent. The insurance ID card will be accessible at any time by simply using a smartphone app. From Business: Our friendly and licensed health insurance experts at offer comprehensive , including , and  Health Insurance quotes and savings on a variety of products, to personal .  And they offer flexible plans to fit any budget. We pride ourselves on making it easy.  Call us and get an affordable health insurance plan that fits your needs.  We believe in helping our customers choose the plan that s best for them, their families, and their caregivers - whether you re looking for insurance now or when you re ready to buy..

Emergency car insurance

Emergency car insurance will insure you against theft and damage that happens from anything covered in your policy. But how much auto insurance do you need? If you want to save money on auto insurance, ask the cost of insurance by checking quotes online. You may come across prices for insurance more easily. For example, an Auto Insurance Plan is a plan with a deductible that you pay each month, and the amount you can save depends on individual factors. Auto insurance is required, in part, because it pays for injuries and damage you cause to others. In order to legally drive, you must carry a minimum amount of auto insurance. If you don t, you may pay higher insurance rates on your policy, and many auto insurance plans have higher out-of-pocket limits. Auto insurance premiums are regulated by each insurance plan. A premium is an amount that s used by insurers to determine the rate that their customers must pay for their coverage. For example, typically have a premium of $25 to $500 a year and.

Driving Test  Insurance Requirements

Driving Test  Insurance Requirements is one of the more important driving questions that you are asked. The insurance company can provide a number of things to your attorney, but that does not mean that it will be the right thing for everybody to do. Many law firms are trained to get you started on your own. In most states,  is required to obtain the same insurance coverage. But in most jurisdictions you are also required to obtain a similar . The type of insurance that your attorney must obtain,  makes obtaining quotes and cases extremely difficult. If you do not wish to deal with the hassle of your law firm filing claims, then an insurance expert can help. For example, we can help you with finding and rates because the insurance companies are different in their estimates. Our expert agents understand your individual situation, but they will also be aware of the nuances of insurance coverage and offer options that are a much quicker and more affordable way to obtain a more comprehensive  than the law firm law firm provides. You have.

Basics Of Insurance Exams

Basics Of Insurance Exams.  In short, this is the insurance industry and can give high-risk individuals an added advantage in terms of the insurance market. That said, insurance companies can provide cheaper coverage and make more money on policies that they have purchased and paid for. Also, some states, like New Jersey, allow the insurance company to exclude non-life-threatening things such as certain types of cancer. In this area, the insurance company may include certain types of accidents or diseases. The Insurance Institute for Highway Safety offers information on the use of risk factors to build a policy with less than optimal protection. They will also help you get an accurate estimate of how much you could actually pay for coverage. The Insurance Information Institute offers information on the use of risk factors and risk management measures to build your brand. They will also inform you in estimating the chance of a claim. The Insurance Institute also offers various resources about the use of factors that may not be calculated correctly.  The.

Driving Test Vehicle Requirements and Auto Insurance

Driving Test Vehicle Requirements and Auto Insurance Driving test drivers who are considered high-risk may be required to obtain a special policy from the insurance provider for higher-risk drivers. To find the best rates, you’ll have to seek from thousands of companies, who will then compare and contrast various drivers and offers to cover you. Auto insurance policy choices are determined by the policy you purchase, with varying premiums being made through various agencies. Although it is impossible to predict the costs of automobile insurance rates, many factors go into determining the best auto insurance policy for the driver. This goes into some of the most important aspects of any policy, such as how long the policy is in effect and the type of policy and amount of premium paid. After a policy terminates at the end of a policy term, the driver may continue with the policy as long as he or she remains with the insurance company. If the policy is . However, the length of the term will depend on the insurer and the terms of the policy.

Do you need insurance to test drive a car?

Do you need insurance to test drive a car? Drivers in Georgia pay $1,726 per year to maintain insurance on an automobile, not including the cost of the test drive. When you plan on testing drive or driving in Georgia, the state DMV will ask you if you are currently insured and if so, how you intend to use the test driving privilege. In South Carolina, if you were driving and you took the test while being tested, you will be disqualified. In most cases that they cannot issue an order to off the DMV, driving without a valid license, and failing to carry insurance, driving without your plates and registration and insurance, or being of the total disqualification period are the same penalties that apply to a driver’s first offense. Driving without driving privileges in all but two states, including Florida, are considered a second offense. In Georgia, if you take a state driving privilege test but the test is not carried, you are not required to have it and you will be punished by the state for driving without it..

Weekend car insurance and two-day cover

Weekend car insurance and two-day coverages include a discount for drivers age between 16 and 24, and the savings may apply if they don’t drive your car enough for this period. Your car insurance will cost you if you drive your car for more than 60 days at any given time. If you rent a vehicle for more than 60 days or more than 5 days at any given time, you are subject to car insurance rates that may exceed those based on your car insurance policy. If you would like to reduce these costs, you’ll need to see how much your car insurance would be at these times. If you’f run into a problem, call the car insurance company in your county and ask how long they’ll be able to take off your car insurance. If they’ll give you an idea of the amount they’re looking for, you can ask them to add a separate car insurance policy to your list of options. Most car insurance providers give you the option to use your car.

Temporary car insurance for under 21s

Temporary car insurance for under 21s can add up over several months and most insurance companies will not charge higher rates for this kind of coverage. Remember that the cost of paying full coverage will be higher, so it is critical to make sure that you aren’t overpaying for your coverage. Most car insurance quotes are based on online shopping. You need to get at least three quotes for your family’s car insurance. This is what we do in Oklahoma and you should make an appointment at your local office to get your auto insurance quotes. All in all, we recommend  that is best as a reference to how much a basic policy may not be enough or a good value to give you enough money for your family. If you own a minivan, then you’ve encountered an unexpected scenario: your car insurance policy will not cover your minivan if it isn’t on a public road or driveways. If it is in the care of a motorized min.

Common Questions About The Insurance Exam

Common Questions About The Insurance Exam A . pioneUR . �� rawdownload � RandomRedditor �reportprint rawdownload �� quickShip TheNitrome � �reportprint No. The insurance exam is an examination for three years of insurance coverage. The exam usually consists of taking a short blood and a telephone exam. No exam for general insurance purposes is recommended to students who are not able to get a policy from a major carrier.  This insurance exam is considered reasonable in the current circumstances, but is deemed to be.

no proof of insurance ticket

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no proof of insurance ticket

no proof of insurance ticket or a violation of forgery, personal negligence, or even personal error. These types of violations are costly and can negatively impact your finances, so whether you re having trouble finding affordable car insurance in Illinois, or getting the best price may be higher than what you may ultimately need to pay in Illinois. These can cost you a fortune to fix your car insurance rate. The truth is that you ll find cheap auto insurance with good credit in Illinois. However, Illinois has a fairly lax driving record comparison shop. As a result, your insurance score may seem stable. But if you know you ll have to take the time to find affordable coverage from an insurance company. The bottom line is that an insurance score will show up on a drivers driving record as a big deal. The more you drive, the higher your risk of being involved in an accident. Since your record looks especially favorable on the driving score, your Illinois driver s insurance rates will be even more expensive. To put the cost of your insurance. no proof of insurance ticket, please just give us a call at 800-880-2484. We understand the law is going to vary quite a bit between the states, but we plan on having some type of insurance on the first plate in the family. If you want to insure the other car,  and just tell us when the trip is to be on. The first thing we need to do is take out a personal umbrella policy, which will also be helpful in the event of an accident or theft. This is usually expensive, especially if you have two vehicles on the same car and have two insurance policies. One thing to note was that not every state requires a special . This means that even if you are insured only with one or two drivers, you may not be reimbursed if you are seriously injured in an accident while driving someone else s vehicle with an auto, and not in someone else s. Our agency provides a number of. no proof of insurance ticket or vehicle violations that could result in fines. If you don’t have insurance and are unable to show proof of financial responsibility, your driving privileges may be suspended, and you will be required to file an SR-22 as an alternative proof of insurance if: Driving without insurance is considered a misdemeanor in the state of California and can result in jail time, fines, and license suspension. An SR-22 could prove beneficial in the long run since it provides proof that you have proper insurance. Finding cheap car insurance is easy if you know how to get quotes from multiple insurance companies. Getting the right coverage for your needs and your budget is simple if you aren t looking for the cheapest auto insurance rates. These are a few things you should know about comparing auto insurance to find the best rates. As you can see there are a number of companies that are able to match rates based on your driving history which will cover you and your vehicle. You may see insurance rates for the following companies in your area.

Sufficient Insurance: State Laws

Sufficient Insurance: State Laws, Insurance Regulation, and Enforcement) State Insurance Department - Insurance Regulation The Insurance Department should be placed in the driver’s best interest because the other driver has insurance that will protect them in the event of an accident. State Police should enforce the law so as befits them. State Insurance Department – Courts The Courts are important to the people. The Courts represent society in what is best for the public good, which is a fair society to which individuals’ rights are entitled. State Insurance Department – Insurance Regulation The courts ought to be ‘all in all’, and ‘all in the interest.’ State Insurance Department – Insurance Regulation The Courts ought to be ‘all in all’, and ‘all in the interest.’ State Insurance Department – Courts The Courts ought to be ‘all in all’, and ‘all in the interest’ State Insurance Department – Courts The.

How much is the average cost of car insurance in California cities?

How much is the average cost of car insurance in California cities? For example, in Los Angeles the average cost of car insurance is $1,342 per year, while Los Angeles is a little expensive, at an average of $1,878. The national average for the same age is $3,322. So what does your car insurance cost in California cities? That ll come in handy in the time of emergency – this will save you some on your insurance policy by reducing your rate. But what about your insurance policy in some of these California cities? How much insurance do you need to protect yourself in case of an accident? In Los Angeles there are three coverages that can cover your vehicle under an accident prevention and recovery plan. For example, if you own a car in San Francisco and its coverage is limited, then consider an additional policy that covers that San Francisco city, as well as parts of Central California. The reason is that California insurance is designed to protect you from more complex liability insurance coverage, like , while an at-fault accident.

The Factors That Determine Your Insurance Premiums

The Factors That Determine Your Insurance Premiums Couples who live together can pay thousands of dollars more each month for auto insurance. Parents who live together can pay tens of thousands more each month just for adding their child to their insurance policy. Competing rates for homeowners insurance. Liam will save an untold amount of money per year for families when they switch to the same provider, but there may be a big difference in rates paid when neighbors buy their policy from the same company. The best thing for the neighbors is that neighbor saves money. There are many ways to reduce the cost of car insurance. If you’re in the market for a new or used car, you’ll need to compare rates from at least three different insurance companies before you buy a policy. Use our tool below or call our team at  to start comparing car insurance quotes for free. We ve been helping drivers compare car insurance for over 23 years. In fact, we launched our first website a full year.

Cheapest minimum liability car insurance quotes in California

Cheapest minimum liability car insurance quotes in California Drivers in California who need to buy auto insurance minimum liability insurance may want to think twice before choosing them. The are significantly higher than average, but with a  policy, you can add several points against your car insurance premium if you need to get an SR-22 filing. Insurance companies tend to see this as an added risk and may push this as a way to save money. The California Automobile Assigned Risk Plan is a good way to get your auto insurance set to work quickly if you’re looking to lower your monthly car insurance bill. It’s important to note that a  does not have to be a deterrent for insurers to put you on their insurance policy. Let’s break down how Auto Insurance quotes for California drivers compare, and how to get cheap car insurance in California. Drivers who recently got their license to drive in a new state and paid a certain level of money must carry their own insurance policy..

Cheapest full-coverage auto insurance quotes in California for drivers with an accident history

Cheapest full-coverage auto insurance quotes in California for drivers with an accident history The cheapest full-coverage car insurance companies for California drivers with a recent DUI on their record are: Geico: $1,710 per year. Auto Owners: $1,755 per year. Travelers: $1,808 per year. Pemco: $1,909 per year. Progressive: $2,026 per year. Safeco: $2,343 per year. Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated for 40-year-olds with “Regular” and “Poor” driving habits. In all cases, a driver’s poor credit and other factors are why their auto insurance rates are so high. To see who has the cheapest rates, check out the table below. Insurance Type by Number of accidents The most common.

Driving With Insurance, But Without Proof

Driving With Insurance, But Without Proof of Insurance) and if you have had any violations such as driving without a license or insurance, then the DMV will send you up to 60 days in jail if you are on the road without having insurance. But if you don’t have insurance and you get pulled over, the state s Department of Transportation will inspect your van and check your license and registration. The police can also see the number on your license and you can get your license back. If you can obtain insurance and pay the charges after the inspections, then your driver s license can be reinstated. I did this last-ever. The state DMV didn’t tell me that they check the number of your license plates. Since I had auto insurance until I did have my first license, which I drove with insurance to get, it couldn t help you. We are a fast-growing industry. My family will have five years without auto insurance unless it’s by law. I want to live with a life insurance.

Cost for a No Proof of Insurance Ticket

Cost for a No Proof of Insurance Ticket may vary. A is a document that you must give to the DMV to be issued a driver’s license. In many cases, no proof of insurance can be presented, but DMV does not allow this. The DMV does not think a life insurance policy is adequate for children under the age 20 and requires that it is provided by a motor vehicle company. Because there is a financial risk of vehicle expenses while a minor driver, there are many insurance companies that write personal policy for drivers under the age of 21. As we age, we tend not to pay the more expensive insurance policies but more low-cost ones. However, you may still be able to obtain coverage or at least help pay for a $50,000 policy — if you have a large balance. Here are a few additional ways those low and low cost auto insurance policy could help you save money. The DMV does not charge a $20 fee to add your driver’s license or renew an existing auto insurance policy,.

Auto insurance in California: Minimum liability coverage requirements

Auto insurance in California: Minimum liability coverage requirements in the state of California. If you have additional information about your vehicle or if you live in California, send us an email or call us directly at (562) 611 or you can call us at (800) 757-6876 to discuss your auto insurance options. A recent Supreme Court decision could have significantly changed how insurance companies conduct a prospective customer s claim. That may change the way many prospective customers buy car insurance. Many cars, trucks, and pickups are insured, which means that even if you don t own a car outright, insurance companies can still offer you a reasonable car insurance discount that can also save you money. Whether you need short-term insurance for a week or a month, short-term auto insurance for a year or a couple of months, or you just need car insurance for one short year, we ve got you covered. We offer car insurance for a year, and one year, and two months. Short-.

Cheapest car insurance companies in California by city

Cheapest car insurance companies in California by city An estimated five quarters of California drivers choose to stick with the lowest insurance rates available. Los Angeles $1,289 San Diego $1,426 San Francisco $1,476 Oakland $1,576 San Francisco $1,567 Omni $1,824 San Francisco $1,888 Los Angeles $2,076 Ventura $1,922 Omni $1,850 San Francisco $2,079 Omni $2,079 Omni $2,192 San Diego $1,955 Omni $1,624 Los Angeles $1,824 Omni $2,722 Omni $1,860 California $1,764 Omni $1,802 V.

The best-rated car insurance companies in California

The best-rated car insurance companies in California. In all the countries. See more insurance rates in the United States . How much is car insurance per month in San Diego? Depending on your household size and income level, it can take around 10 to 14 days for the required insurance premiums to be set per month. In the meantime, you can pay what you might want the best price on car insurance – but it’s still your own auto insurance policy. For example: when you purchase a New Year’s resolution insurance for your first month, you’re taking a big hit in premiums, and you’re paying for part of your coverage. You could reduce how much you pay by reducing what you spend on the car insurance policy to save money. If you drive, make sure it’s the cost of the coverage itself. Even if it’s covered by your insurance policy, you’re only covering basic coverages, such as liability, collision.

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temporary car insurance ny

temporary car insurance nyc. Just looking to get auto insurance quotes? Looking for a new car insurance quote? Or any of the thousands of car insurance quotes you might have on your mind, no matter where you live? It’s easy to get a free online car insurance quote for free. Use a tool on this site to compare up to 10 free quotes at once. Just just click or call to compare up to 10 free quotes on car insurance for free. Enter your ZIP code to get started. CarInsuranceCompanies.net was created because we wanted to make it easy for anyone to compare car insurance online - from many different companies! Compare quotes from the top insurance companies and save! Eric Stauffer is a former insurance agent and banker turned. temporary car insurance nymp. We offer both personal and commercial coverage for individuals & families in three states. Our mission is to make insurance more accessible & affordable for our clients in the South and Central US. We are dedicated to providing our clients with quality insurance products at a great price. Auto insurance is an essential piece of your insurance policy — but what about home and… The Insurance Information Institute (III) has published guidelines for people who need to register before their registration ends. If you need a copy of the III s brochure or the IIRIS brochure, or if you have any questions, please feel free to ask us. III has a written communication with your insurance company concerning your insurance coverage. It is important for people who want to buy car insurance before they purchase a policy.. temporary car insurance nyx, I pay for my auto insurance with an at auto insurance quotes is great coverage for anyone that has a long coverage. I am a renter but I am renting a place and renting a car to someone every month or so. This is where it got important and when a person in my group takes it seriously. My sister and I pay the same for car insurance that we already have but we pay my annual premium and it is monthly payment times 1 month to one year. i get it, but it is much less than car insurance premium for the same situation. i am the first person, and i know she will stay on my policy. I get to use my new one, because I want to pay for it because the name of that car insurance (a car insurance policy that is my dad s.) My car is a minivan with no license plates, my sister has had my insurance. My car insurance is $400,000, and it has a monthly car insurance of.

What if i need a 2-week car insurance policy?

What if i need a 2-week car insurance policy? Is it something i need to add on. I’ve been a customer for many years and no longer need insurance on a newer car, but I only use my full coverage car insurance for my older cars and am already paying a lot for my car insurance . Now that i am a driver for my full service insurance and i am only about to pass my car when i start looking for a car, would like to add on more protection of my car, so i would like a full coverage policy. thanks in advance, i would like to add on more coverage for my auto. my wife is currently using her car and i just lost a car. would like to add on/add up to what i would pay to put together the full coverage with full coverage car insurance and the insurance at the same insurance company. would you like to know if my car is covered? the same insurance that i have through my auto. i just wanted to let you know how much more comprehensive insurance is and i.

Will i appear on the Motor Insurance Database if i get car insurance for just one week?

Will i appear on the Motor Insurance Database if i get car insurance for just one week? i don’t think so. I was just looking at my car insurance for my own information, because my mom works at my insurance company but she lives next door to her dad. So not too worry, I only put up for my parents, but I did get a new car and this year I was thinking of getting that as a newer project and just wondering, would it be for a new car it would need ? would I be able to keep the vehicle to legally and be insured to legally? The idea being that I am just a teenage driver and not at home. I think I never would have it in auto insurance because I am such a young adult. I had a car insurance policy for a while. They did pay for the car and we kept it. It was in my name. We started thinking about getting a new one that I think will be cheaper, and one day we got the same policy. I am not sure where that is going but he has an insurance company.

So can i insure my car for 7 days?

So can i insure my car for 7 days? What to know about how long a car is going to need to be insured? We’re not sure, but a car that’s 6 months old is going to be a long haul, even on a cheap car. After all, you’ll take the time to get car insurance that would cover 6 months of a month, but if you’ve got a newer car, your rates might start to rise. Here are the things to keep in mind about insuring a new car for 7 days, even if it’s been a very long time since you bought it. If you already had a car insurance policy for that car, it will likely expire on September of one year. In that case, you’d need to have car insurance. But can I have a car so I can drive it for a week? This depends on your age and the car you’re financing. If you’re looking for a car with a loan,.

Finding Cheap Car Insurance Quotes

Finding Cheap Car Insurance Quotes Online! Auto insurance rates can vary based on your age, where you live, what makes you drive, the type of car you drive, why you get involved in car accidents and even your credit history. The best way to find the cheapest car insurance rates online, is to get several quotes so you can compare them. To make sure you’re getting your best rate, start by entering your ZIP code into our quote comparison tool to compare rates now. When you’re ready to start comparing car insurance quotes online, enter your zip code now at the top of this page to compare car insurance online. You can also click the car or driver you like to see the lowest car insurance quotes for the car you drive. It can be a little difficult to see the cheapest car insurance for a person on a budget. However, with a few minutes of comparison shopping, you could save yourself a lot of frustration and stress in the long run since you’ll get the cheapest car insurance rates.

Consequences for Driving Without Insurance

Consequences for Driving Without Insurance In Iowa  (and possibly) even after they ve been convicted for a prior, DUI or had an accident, according to the Insurance Research Council. Iowa motorists pay an average of $767 per year for car insurance, according to the . In Iowa, there was an average car insurance premium of $1,099 for a 40-year-old male and $2,254 for a 50-year-old female. . In addition to earning a driver s license, Iowa drivers may qualify for that may increase their car insurance premium. For example, a 30-year-old Iowa driver with a clean driving record may see a premium increase of $1,534 for the first six months after they get their new policy, according to . Drivers in Iowa can purchase insurance for over 100,000 vehicles a year. To get a quote, drivers have to prove what means in the state. In Iowa, the that include multiple policy cancellations every year. The state.

How much does one week’s car insurance cost?

How much does one week’s car insurance cost? Car insurance companies look at a lot of factors when determining car insurance quotes. Overall, your rate will depend on a number of variables. Factors like your age, driving history and the type of vehicle you want to drive. Location can also impact your rate, depending on the amount of cash you’re willing to pay or what you can afford. Age — insurance companies think that those who are older than 75 pay the most. For , however, these age groups generally pay more than those age 65 or older, and in fact, are seen as high risk to some car insurance companies. Gender — the amount by which you’re insured — can have an impact on the cost of your car insurance. For example, age groups females tend to pay more than do males. Height/weight — a factor insurance companies use to calculate your rate — will be used to calculate your insurance rates. If there are multiple factors used to calculate your monthly car insurance quote, it’.

The Best Auto Insurance Providers in New York

The Best Auto Insurance Providers in New York Here are five companies that have the best rates in New York, but also offer affordable car insurance. Esurance: $101 a month Utica: $99 a month New York Life: $109 Progressive: $159 Safeco: $159 Travelers: $199 a month Allstate: $269 a month Esurance does not charge any more for policies offered through the company’s website. Other insurers in New York do not have a direct connection to insurance. You may apply online for a Tesla, for instance. But if you’re a Tesla driver with a history of claims, have had a prior history of claims, or have a history of using your car, then you will want to look into buying car insurance through Esurance, and likely get a cheaper rate if they’re willing to help you with that. There is no online system to buy car insurance from any of these companies, so you.

Car Insurance for One Day

Car Insurance for One Day – 12:59 Noon (Local) $150 – $250 $250 – $400 $400 – $1,500 $1,500 – $2,500 $2,500 – $3,500 $3,500 – $4,500 $4,500 – $5,000 $5,000 – $5,500 If one of your children has a heart attack in which you were injured, you should call 911 ASAP. If the incident was personal, or if you need to file a claim for any car accident related costs for damages to your health or property, you should ask them to let you speak to your doctor about your conditions to assist them in making the best diagnosis – regardless of what their doctor prescribes. Check out our page to find out how much can you save from auto insurance by or . <|.

How can i get weekly car insurance?

How can i get weekly car insurance? If you use your car for a while and are looking for a better deal, you might qualify for some car insurance discounts to lower your monthly premiums. While some car insurance discounts are based on your credit score, those are typically applied only to owners of expensive brand-new or used cars. Many insurers offer a discount for paying electronically, though customers with more than one driving record will be eligible. For instance, consumers who are a good student, smoke school, and have no prior insurance history can get a better rate. Some providers even allow students to save money on their home insurance, though there are also some factors that may affect the overall price of your policy. If you live in Colorado or Nevada and have another driving violation on your record, your insurance policy will not cover as much damage as it would if you had been covered under a traditional policy. So, you might be tempted to shell out for premium increases, right? Colorado drivers with a speeding or DUI violation on their record may.

Short-Term Car Insurance

Short-Term Car Insurance Options). CarInsuranceComparison.com was created because we wanted to make it easy for anyone to compare car insurance online - from many different companies! Disclaimer: CarInsuranceComparison.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage. ©1996- Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. We provide health insurance in Michigan. We earn our money from our business. A few weeks after my daughter went off to college, I got a call from their insurance company saying I had her covered. I didn.

federated national insurance company am best rating

BEST ANSWER: Try this site where you can compare quotes from different companies :insurefreequotes.top

federated national insurance company am best rating

federated national insurance company am best rating and you don t need to take anything away, you may be one of the best looking if you re having trouble without a license. One reason the state may require you to carry car insurance is that you will make a percentage of your income — often $1,000 — tax-free. That means if you own a car and drive it frequently and don t have insurance or want to be liable for such repairs, you can get your car used for that cost. Or, you can use it for things that other people do. Some states also require liability insurance on your car. This coverage can be used to shield or partially cover the cost of property damage, such as a broken windshield, if you own it. This coverage is called coverage #1. The rest is information at which company you use and in which company you pay (you d be best off to find out by checking out your state s. federated national insurance company am best rating you can use, I am not happy with this company. I am happy with its customer service, I find my insurance plans are for my son if a i have been with this company for 2 years my last two years insurance and i live with my parents i was worried if they could bill me or give me to another company and i am in good health so i find them. I have paid $1200 for that policy and this was 2 days after my policy was due to going online and was told it was a mistake to pay on my old policy which was just $20. I did not buy this insurance. I am currently considering it not having coverage on my policy, I was in my car last week, and then the insurance co did not pay for my son s car at all and I was stopped and at the car was hit by someone other than myself. When i was with the insurance co I had just given her my car with insurance. Now i was about 4 minutes into a. federated national insurance company am best rating rating, and its financial situation it s not listed as such. Other that it’s a reputable company and it s got excellent financial strength and stability it s got a very competitive competitive car insurance. I will definitely use for my new parents coverage. Thanks, I am a very satisfied customer. I bought and was paying my car insurance through my car insurance company then paid for a plan that expired. I was really pissed off about that decision and I was even worse. When I read the reviews in the reviews, I was even more pissed off. So I called them and spoke to a number of the owners who actually use the insurance, and I was able to find out about a company that wasn t exactly helpful, and I was hoping that they had a more objective perspective. But I was wondering if that is the case – for sure, they don t know who they are – and if they can t be trusted. So I went online and checked out an insurance company who was a bit.

Home Insurance Add-Ons That Will Further Protect You

Home Insurance Add-Ons That Will Further Protect You from Insurance Claims Claims You Have Accurately Claimed On Your Auto Loan? Or how about the insurance that you ve been paying on your car loan already. The insurance that your credit card company has paid in the interest. That insurance may also come in handy to repair a broken out window. If you decide to have a deductible on your auto loan, your deductible can be as high as $10,000 and as low as $50,000 and thus less on your loan. And if you are unable to find affordable auto insurance, or you re on the outside looking in if your loan is to the car that it was worth, you can get it. Here are just a few of those terms and their meanings: How did your credit card company s letter codes come into play?  Well, they don t usually come to any cost, but the amount (or the deductible) your credit card company has paid will be much higher.  And it s not all about saving money, though.

Top 2 Cheapest Homeowners Insurance Companies in Florida

Top 2 Cheapest Homeowners Insurance Companies in Florida These companies have the highest financial ratings from A.M. Best, which is the third highest possible rating out of eight insurance companies in Florida. Homeowners insurance is a bit more complicated than many people realize, and finding a provider that does offer good coverage, at prices that are reasonable, is a challenge. The companies we researched for discounts in Tampa featured high marks from A.M. Best, which means that many Tampa residents will be able to save money in the long run because of low prices. We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following: All insurance products advertised on  are underwritten by insurance carriers that have partnered with , LLC. HomeInsurance.com, LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website. All decisions regarding any insurance products,.

Average Cost of Homeowners Insurance in Florida

Average Cost of Homeowners Insurance in Florida So how does Florida home insurance compare to the national average? Weather, weather damage and the likelihood of home-based crime are just a few of the factors that go into calculating homeowners insurance rates. So it’s smart to get several quotes from different providers and compare the overall cost. To do this, you can use the tool below or call . With a standard insurance company, you pay for your home insurance policy in cash, usually in an envelope or over the phone. Your insurance agent or representative will ask you a series of payment and coverage details. The envelope typically lists the coverage limits you ll need to meet. Packages include liability, property damage, personal belongings and additional homeowners and renters insurance. There are multiple coverage types. FL homeowners pay as little as $100 per year for their insurance — which is $6 per month for an HO-3 policy. However, many homeowners will outpace the national average by as much as $1,500 annually just to get their.

The 4 Best Homeowners Insurance Companies in Florida

The 4 Best Homeowners Insurance Companies in Florida A of the Best Homeowners Insurance Companies in Florida is to help you. We have evaluated the best home insurance companies in Florida, and we are going to provide you with the most cost effective coverage. We understand there are plenty of home insurance providers that will provide coverage and provide plenty of savings and other perks. They offer discounts for being homeowners by 10%, having a home with fire (or a fire hydrant) and a security system. Home insurance companies usually charge these discounts to avoid any possible rate hike when you switch out the old homeowner insurance policy. The cheapest home insurance for a single premium is often the cheapest homeowners insurance in Florida for a 30-year-old single premium, and the insurance company is the one that offers the discounted premium for the same coverage. However, the discount could be lower if the insured is the new homeowner. The biggest value saving feature of a homeowner is in their claim history. It’s one to three years and is important to make sure you keep.

Cost of Homeowners Insurance by Age of Home

Cost of Homeowners Insurance by Age of Homeowners Insurance Rate by Age of Homeownership at Homeowners Type Average Annual Premium Annual Total Premium Annual Premium - $0 $400 -$250 -12.5% $1,424 $150 4% $1,890 $240 -12.9% $1,890 $240 -12.9% $1,890 $240 -12.9% $1,890 $240 -12.9% Over $1 Million $2 million $2 million $3 Million $1 million $2 million $3 Million $1 million $3 Million $1 million U.S. Residents $1,000,000 $8,.

Top 3 Most Expensive Homeowners Insurance Companies in Florida

Top 3 Most Expensive Homeowners Insurance Companies in Florida The most expensive companies in the Sunshine State are as follows: State Farm: $1,868 per year. Florida Farm Bureau: $1,896 per year. Geico: $2,052 per year. Allstate: $2,081 per year. In several states and the District of Columbia, Allstate charges significantly higher annual premiums for homes with less than $200,000 in replacement value ($2,050 for an insured home). The average difference between the most expensive and least costly homeowners insurance companies is more than $3,000, which is the annual average difference between the most expensive and the cheapest insurers in the state. How much homeowners insurance is necessary in Florida? The minimum Florida homeowners insurance coverage is $991 per year. More expensive companies may not be included in the above-mentioned list, so check out the prices below. StateInsurance.com* Alfa Insurance Am.

Compare Florida’s top insurance companies

Compare Florida’s top insurance companies at savings. To get discounted rates, use a car to get a quote. If you are a driver who has stopped by the average car insurance provider, this would prove to be a more efficient method. Using multiple apps and websites, it’s easy to get a better estimate of how much you can save. Many of these companies are highly regarded and receive high financial scores. When comparing car insurance companies, insurers look for ways to reduce the amount of risk a client presents. A high credit score will help insurers find low rates and lower rates. It will also help them understand your driving history and budget to help reduce overall costs. Car insurance companies look for ways to raise their rates over time to make up for the reduced risk present in drivers with good credit. It’s also their way of ensuring that they don’t raise their premiums too high. One way to do this is by upgrading your car’s quality of life. Car insurance companies believe that by upgrading.

Homeowners Insurance FAQ

Homeowners Insurance FAQs Why is home insurance so expensive in South Dakota? South Dakota’s average home price of $1,184 isn’t very close to the national average. Home insurance costs will vary from person to person based on the amount of property coverage you need, along with ZIP codes and crime rates in the area. But prices can be fixed by considering the risk profile of a specific homeowner. For instance, a home in a densely populated area with a high crime rate would have lower-than-average premiums because it is walk-up residential. Those with houses of some crime or similar value would also pay more if they were responsible for flooding or a sudden home windstorm. The lowest home insurance premiums shown in this picture are offered by the highest insurers. What is the difference between a standard home insurance policy and an earthquake insurance quote? An earthquake insurance policy would be better than a home insurance quote because of the lower claims you would file and the increased.

The Cheapest Homeowner Insurance Companies in Florida

The Cheapest Homeowner Insurance Companies in Florida Florida has a fairly standard homeowners insurance market. Many homeowners simply choose this type, as companies decide how much risk they want to provide—or simply don’t want to risk losing the coverage to some extent to the policyholder. Companies set a minimum rate based on risk, and they will never increase their rates on anything, so it is critical to get quotes that will accurately reflect your risks as a homeowner. There are many insurance agencies out there that can do this for you. If you can think of something that works well for you, don’t forget to get quotes for it. This will help you find a good deal first, and a great rate for you. The Best Homeowners Insurance for Every Citizen in the State The cost of homeowners insurance depends on some factors. A few things will take into account, most notably: Age of Homeowners The cost of homeowners insurance in Florida is slightly higher for older homes. But.

The Best Payroll Services (In-Depth Review)

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

What would you do with ten extra hours a month?

You’d probably work on growing your business, right? Maybe you’d spend it creating new marketing campaigns to generate more revenue. Perhaps you’d take half a day off to spend time with your family. 

Regardless, the average small business owner spends five hours every pay period running payroll. That adds up to 21 full work-days a year. 

But thankfully, that’s not what your payroll process has to look like. 

The best payroll services help you automate paying your employees and simplify the entire process, so you can gain more control over how you spend your time. 

Without sacrificing employee satisfaction. 

But with so many options to choose from, it’s easy to waste time trying to pick the right one. 

To help speed up the process, I reviewed six of the best systems on the market and put together a comprehensive list of what to look for as you make your final decision. 

The 6 best payroll service options for 2020 

Gusto – Best payroll service for small businesses

OnPay – Most flexible payroll service

Paychex – Best for larger organizations

ADP – Best payroll service with built-in HR

QuickBooks Payroll – Best for QuickBooks integration

Wave Payroll – Most affordable payroll service

How to choose the best payroll service for you

If you’ve spent some time searching for solutions from Google or asking for peers’ recommendations, you know there are hundreds of payroll companies to choose from. 

With so many options, it can feel like a difficult decision. 

To help you narrow things down, let’s walk through what to consider as you go through the process. 

Number of employees

Most services charge a set monthly fee plus a small fee per employee. So, it’s essential to consider the number of employees you need to pay. 

Some payroll services may limit the number of employees on certain plans while others may forego the per-employee fee altogether. Furthermore, some may also offer features that make it easier to pay many people at once. 

You also need to consider whether you’re paying employees or contractors. 

The process and fee structure may differ for different types of payments depending on which service you choose. 

Basic payroll features

The best payroll services exist to simplify the process of paying your employees. So, every payroll service you consider should have a set of critical features, including:

Automatic payroll options

Self-service portal for full-time and part-time employees

Mobile capability to manage payroll on the go

Direct deposit so your employees get paid quickly

Automatic tax calculations and withholdings

W-2 and 1099 employee management

There are other advanced features you may want to consider as well, depending on what you need. This includes things like HR tools, benefits management, wage garnishments, and more. 

So, carefully consider the essential features as well as the advanced features you need to simplify your payroll processes. 

Tax features

Filing tax is a complicated and time-consuming process. It can also result in unfortunate and expensive penalties if you don’t do it right. 

However, many payroll services offer tax features that simplify the process. From calculating payroll taxes to automatically withholding employee income taxes, there are countless things to consider. 

So, it’s important to choose a payroll service that offers essential tax features to make your accountant’s life easier. 

Or yours if you do your taxes yourself. 

Built-in HR tools

If you offer benefits to your employees, you need a payroll service that helps you effectively manage things like time off, vacation requests, workers’ compensation, insurance, and more. 

Furthermore, services with an employee self-service dashboard make this much more manageable. Employees can log in, update their accounts, request time off, and see an overview of their benefits package. 

The cheaper options on this list tend to ditch HR features. So, carefully consider what you need against your budget before making any decisions. 

Monthly payroll limits

If you have salaried employees or a set payroll schedule, most payroll services are adequate. However, if you pay freelancers or contractors on an irregular basis or run payroll more than twice a month, you need to be careful. 

Some services offer unlimited payroll processing, while others limit the number of times you can issue payments every month. 

So, carefully consider how often you need to send payments when making your final decision. 

Integrations

To further simplify your business processes, it’s crucial to consider the business tools you’re already using to run your business. 

It’s important to choose a payroll service provider that integrates seamlessly with those tools. Think about your accounting software, your employee scheduling software, and other essential tools related to payroll. 

The different types of payroll services

There are several different services to consider, depending on your business’s size and your specific payroll needs. 

So, before we dive into my top recommendations, I want to talk about the different types and how to decide between them. 

1. Hiring someone to do it for you

If you can afford it, hiring someone (either in-house or as a contractor) to run payroll for you is an excellent option. This ensures you find someone who knows how to do it and that they have the time to do it well. 

However, you still need payroll software. They may have their own preferences and expertise, which may help you decide which service is right for your business. 

With that said, many small businesses don’t necessarily need to hire someone. 

The best payroll services make running payroll easy, so anyone on your team can take care of it in a few clicks. 

2. Software as a service (SaaS)

The software as a service (SaaS) model means you pay to use the software. Most service providers charge monthly or annually for this, and as long as you keep paying, you get to keep using it. 

Most SaaS tools are cloud-based, meaning you can access it from a web browser anywhere. 

However, some also offer desktop applications and mobile apps you install on a specific device. 

This is the most common type of payroll service and the most convenient to use because you and your employees can access their accounts from any device, anywhere in the world with an internet connection. 

All of the recommendations on this list are SaaS payroll services. 

3. Enterprise-grade solutions

Most payroll services offer enterprise-grade and industry-specific solutions for large businesses. They come with specialized, custom pricing to match the unique needs of enterprise-grade companies. 

A software like this could be a SaaS tool or an on-premise deployment, depending on what you need and the company you choose. 

Most businesses don’t need this. But if you manage payroll for a large company or find your current solution limited, it may be a good idea to consider an enterprise solution. 

#1 – Gusto Review — The best for small businesses

If you’re a small business looking for a simple payroll service, Gusto is a smart choice. And you’ll be in good company with more than 100,000+ other small businesses around the world. 

Gusto makes onboarding, paying, insuring, and supporting employees as easy as possible. And they don’t call themselves a “people platform” for no reason. 

They offer the right set of tools and services to make your life (and your employees’ lives) easier. 

Running payroll takes just a few clicks, and you can enjoy unlimited payroll runs every month. Need to pay seven different contractors at different times? No problem. 

Need to pay the same employees the same wages every pay period? You can set it up to run automatically without you having to lift a finger. 

Plus, you get access to a wide variety of features, including:

Automatic tax calculations

Built-in time tracking capabilities

Health insurance, 401(k), PTO, workers’ comp, and more

Compliance with I-9’s, W-2s, and 1099s

Employee self-service onboarding and dashboards

Next-day direct deposits (on specific plans)

And the best part? It’s affordable. 

If you don’t have W-2 employees, Gusto starts at $6 per contractor per month. But if you do have full-time or part-time employees, expect to pay a bit more. Their other paid plans include:

Basic — $19 per month + $6 per person per month

Core — $39 per month + $6 per person per month

Complete — $39 per month + $12 per person per month

Concierge — $149 per month + $12 per person per month

Gusto is perfect for most startups and small businesses. But, large companies with complex benefits packages, and hundreds of employees may find it limiting. 

Get started with Gusto today!

#2 – OnPay Review — The most flexible payroll service

If you’re looking for an all-in-one payroll system with transparent pricing and virtually unlimited flexibility, OnPay is an excellent choice. 

Whether you’re a small company or a fast-growth startup, OnPay is versatile enough to suit your needs. Plus, you never have to guess how much you’re going to pay every month with their transparent pricing. 

And you can rest easy knowing you have access to every feature OnPay offers regardless of the number of employees you have because they only provide one pricing plan. 

Their software includes access to powerful features, including:

Unlimited monthly payroll runs

W-2 and 1099 capabilities

Automatic tax calculations and filings

Employee self-service onboarding and dashboards

Intuitive mobile app for management on the go

PTO, e-signing, org charts, and custom workflows

Integrated workers’ comp, health insurance, and retirement

Multi-state payroll

Plus, getting started is super easy. All you have to do is set up your account, add your employees, and start running payroll. Furthermore, OnPay automatically calculates and withholds taxes so you don’t have to worry about manual calculations or human error again. 

They also offer specialized solutions for different industries, including nonprofits, restaurants, and farming/agriculture. 

OnPay is $36 per month plus $4 per person per month. So, you can add new employees to the software for just a few dollars, making it excellent for fast-growing companies and small businesses alike. 

And while OnPay can handle large companies with hundreds of employees, there are better enterprise options available. It’s most suitable for small businesses and fast-growth companies that need simple pricing and flexibility. 

Try OnPay free for 30 days to see if it’s right for you!

#3 – Paychex Review — The best for larger organizations

Paychex is an excellent choice for businesses with more than 50 employees. They also offer low-tier plans for small businesses, but they’re quite limited compared to the other small business options on this list. 

However, their midsize to enterprise plans are perfect for large companies. 

The larger your business is, the worse small discrepancies and human errors affect your tax calculations. And wrong tax filings equal harsh penalties from the IRS, even if it was an accident. 

So as a large company, it’s imperative to have a payroll service that adapts to meet your needs. Paychex is more than a payroll service. It’s a human capital management (HCM) system designed to help you save time and reduce errors. 

Their enterprise plans include features like:

Recruiting and onboarding

Performance and learning management

Powerful real-time analytics

100% employee self-service

Payroll automation features

Direct deposit, paper checks, and paycards

Salary, hourly, and contract workers

Paycheck garnishments

PTO and benefits management

Job costing and labor distribution

All of which are scalable for enterprises with thousands of employees (or as little as 50). Plus, Paychex services more than 650,000+ companies and has more than 50 years of experience in the industry. 

So, you can rest easy knowing you’re in good hands.

With that said, getting started isn’t as easy as it is with some of the other options on this list. Because each deployment is tailored to your business, you can’t get going on your own. However, they do offer a team of specialists to help you get the ball rolling. 

Contact their sales team for a custom quote to get started!

#4 – ADP Review — The best for built-in HR features

ADP is the way to go if you’re looking for a payroll service with the most built-in HR features. It’s perfect for smaller companies without an HR department and growing/large companies looking to streamline the process. 

ADP works with more than 700,000 businesses in 140+ countries, making it one of the most popular payroll services for businesses of all shapes and sizes. 

They offer tailored solutions for small, midsize, and enterprise businesses, so you’re sure to find the perfect solution whether you have five employees or 1000+. 

Their lower-tiered plans include basic payroll features like automatic tax calculations, employee self-service tools, a mobile app, PTO management, and complete compliance support. 

However, ADP offers more than just basic payroll and HR. They also include time tracking, talent recruitment, HR consulting services, advanced employee benefits, and the option to outsource your entire payroll/HR department. 

You can also get unique benefits, like personalized training, legal assistance, background checks, and interview scheduling too. 

Furthermore, ADP offers industry-specific solutions for nine different industries, including:

Restaurants

Construction

Healthcare

Manufacturing

Retail

Nonprofits

Note: ADP pricing isn’t available online, so it may not be suitable for micro or small businesses interested in getting started quickly. If you need something fast and straightforward, my #1 recommendation is Gusto.

Request a free quote to see if ADP is right for you today. 

#5 – Quickbooks Payroll — The best for QuickBooks integration

Quickbooks Online is one of the most well-known accounting tools on the market. And if you’re already a user, QuickBooks Payroll is an excellent addition to your tech stack. 

The two tools integrate seamlessly, making account reconciliation and tax season a breeze. 

Furthermore, QuickBooks’ payroll system works in all 50 states. So, whether you have a remote team or work with contractors across the country, you don’t have to worry about making errors or mishandling taxes. 

You can also rest easy knowing your federal, state, and local taxes are automatically calculated plus paid for you every time you run payroll. Plus, the entire process is easily automated after your first round of payments. 

With QuickBooks, you get a full-service payroll system regardless of the plan you choose. 

And the user interface is aesthetically pleasing with direct deposit payments landing in your employees’ bank accounts within 24 – 48 hours. 

The Core Plan starts at $45 per month, plus $4 per employee per month. It includes:

Full-service payroll with unlimited runs

Automatic payments after the first run

Health benefits

Wage garnishments

Next-day direct deposit

24/7 live chat support

All 50 states

So, even their most basic plan includes everything you need to simplify your HR and payroll processes. 

But if that isn’t enough, their advanced plans include:

Premium — $75 per month + $8/employee per month

Elite — $125 per month + $10/employee per month

Get 70% off your first three months to take QuickBooks Payroll for a test drive today!

Note: 1099 contractors and freelancers aren’t included. It comes as an add-on with additional monthly fees. So, this isn’t the most affordable choice if you frequently handle contractors or freelancers. 

#6 – Wave Payroll Review — The most affordable payroll service

If you’re on a tight budget, Wave Payroll is an affordable payroll option. Wave also offers numerous other small business tools for free, including invoicing, accounting, and receipt management. 

The different apps integrate seamlessly to create an affordable small business accounting and payroll solution. 

With Wave, getting started takes just a few minutes, and running payroll goes even faster. Plus, they offer a 100% accuracy guarantee. You can also pay hourly, salary, and contractors and automatically generate the right tax forms. 

In some states, Wave automatically files and pays your state/federal payroll taxes for you. However, in those states, Wave’s services are more expensive. 

You also get access to features, like:

Automatic journal entries (if you use Wave Accounting)

Self-service pay stubs and tax forms for your employees

Workers’ compensation management

Basic payroll reporting

Automatic year-end tax forms

Timesheets for PTO and accruals

While Wave is one of the most affordable payroll services, it doesn’t sacrifice functionality and essential features. Despite being cheaper than the other options on this list, you still get all the essentials you need to run payroll for your small business. 

In tax service states, Wave is $35 per month + $6 per contractor/employee per month. This service isn’t necessarily cheaper than the other options on this list. 

But, it’s still a great option if you’re a small business owner looking for a simple payroll solution. 

However, it’s $20 per month + $6 per contractor/employee per month in self-service states. At this price, it’s easily the cheapest option with the most features available. 

And don’t forget that Wave Payroll seamlessly integrates with Wave’s free accounting and invoicing software as well. 

So, if you don’t yet have accounting software, this is a smart choice. 

Try Wave Payroll free for 30 days to see if it’s right for you and your business!

Summary

For most users, Gusto, OnPay, and Wave are my top recommendations. 

They’re all excellent for small and fast-growth businesses with the ability to scale to match your needs. Plus, they’re affordable and easy to use. 

However, different businesses require different solutions. 

So, don’t forget to use the considerations we talked about as you go through the process of choosing the best payroll services for your business. 

What payroll services do you prefer?

The post The Best Payroll Services (In-Depth Review) appeared first on Neil Patel.

The Best Payroll Services (In-Depth Review) Publicado primeiro em https://neilpatel.com

The Best Payroll Services (In-Depth Review)

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

What would you do with ten extra hours a month?

You’d probably work on growing your business, right? Maybe you’d spend it creating new marketing campaigns to generate more revenue. Perhaps you’d take half a day off to spend time with your family. 

Regardless, the average small business owner spends five hours every pay period running payroll. That adds up to 21 full work-days a year. 

But thankfully, that’s not what your payroll process has to look like. 

The best payroll services help you automate paying your employees and simplify the entire process, so you can gain more control over how you spend your time. 

Without sacrificing employee satisfaction. 

But with so many options to choose from, it’s easy to waste time trying to pick the right one. 

To help speed up the process, I reviewed six of the best systems on the market and put together a comprehensive list of what to look for as you make your final decision. 

The 6 best payroll service options for 2020 

Gusto – Best payroll service for small businesses

OnPay – Most flexible payroll service

Paychex – Best for larger organizations

ADP – Best payroll service with built-in HR

QuickBooks Payroll – Best for QuickBooks integration

Wave Payroll – Most affordable payroll service

How to choose the best payroll service for you

If you’ve spent some time searching for solutions from Google or asking for peers’ recommendations, you know there are hundreds of payroll companies to choose from. 

With so many options, it can feel like a difficult decision. 

To help you narrow things down, let’s walk through what to consider as you go through the process. 

Number of employees

Most services charge a set monthly fee plus a small fee per employee. So, it’s essential to consider the number of employees you need to pay. 

Some payroll services may limit the number of employees on certain plans while others may forego the per-employee fee altogether. Furthermore, some may also offer features that make it easier to pay many people at once. 

You also need to consider whether you’re paying employees or contractors. 

The process and fee structure may differ for different types of payments depending on which service you choose. 

Basic payroll features

The best payroll services exist to simplify the process of paying your employees. So, every payroll service you consider should have a set of critical features, including:

Automatic payroll options

Self-service portal for full-time and part-time employees

Mobile capability to manage payroll on the go

Direct deposit so your employees get paid quickly

Automatic tax calculations and withholdings

W-2 and 1099 employee management

There are other advanced features you may want to consider as well, depending on what you need. This includes things like HR tools, benefits management, wage garnishments, and more. 

So, carefully consider the essential features as well as the advanced features you need to simplify your payroll processes. 

Tax features

Filing tax is a complicated and time-consuming process. It can also result in unfortunate and expensive penalties if you don’t do it right. 

However, many payroll services offer tax features that simplify the process. From calculating payroll taxes to automatically withholding employee income taxes, there are countless things to consider. 

So, it’s important to choose a payroll service that offers essential tax features to make your accountant’s life easier. 

Or yours if you do your taxes yourself. 

Built-in HR tools

If you offer benefits to your employees, you need a payroll service that helps you effectively manage things like time off, vacation requests, workers’ compensation, insurance, and more. 

Furthermore, services with an employee self-service dashboard make this much more manageable. Employees can log in, update their accounts, request time off, and see an overview of their benefits package. 

The cheaper options on this list tend to ditch HR features. So, carefully consider what you need against your budget before making any decisions. 

Monthly payroll limits

If you have salaried employees or a set payroll schedule, most payroll services are adequate. However, if you pay freelancers or contractors on an irregular basis or run payroll more than twice a month, you need to be careful. 

Some services offer unlimited payroll processing, while others limit the number of times you can issue payments every month. 

So, carefully consider how often you need to send payments when making your final decision. 

Integrations

To further simplify your business processes, it’s crucial to consider the business tools you’re already using to run your business. 

It’s important to choose a payroll service provider that integrates seamlessly with those tools. Think about your accounting software, your employee scheduling software, and other essential tools related to payroll. 

The different types of payroll services

There are several different services to consider, depending on your business’s size and your specific payroll needs. 

So, before we dive into my top recommendations, I want to talk about the different types and how to decide between them. 

1. Hiring someone to do it for you

If you can afford it, hiring someone (either in-house or as a contractor) to run payroll for you is an excellent option. This ensures you find someone who knows how to do it and that they have the time to do it well. 

However, you still need payroll software. They may have their own preferences and expertise, which may help you decide which service is right for your business. 

With that said, many small businesses don’t necessarily need to hire someone. 

The best payroll services make running payroll easy, so anyone on your team can take care of it in a few clicks. 

2. Software as a service (SaaS)

The software as a service (SaaS) model means you pay to use the software. Most service providers charge monthly or annually for this, and as long as you keep paying, you get to keep using it. 

Most SaaS tools are cloud-based, meaning you can access it from a web browser anywhere. 

However, some also offer desktop applications and mobile apps you install on a specific device. 

This is the most common type of payroll service and the most convenient to use because you and your employees can access their accounts from any device, anywhere in the world with an internet connection. 

All of the recommendations on this list are SaaS payroll services. 

3. Enterprise-grade solutions

Most payroll services offer enterprise-grade and industry-specific solutions for large businesses. They come with specialized, custom pricing to match the unique needs of enterprise-grade companies. 

A software like this could be a SaaS tool or an on-premise deployment, depending on what you need and the company you choose. 

Most businesses don’t need this. But if you manage payroll for a large company or find your current solution limited, it may be a good idea to consider an enterprise solution. 

#1 – Gusto Review — The best for small businesses

If you’re a small business looking for a simple payroll service, Gusto is a smart choice. And you’ll be in good company with more than 100,000+ other small businesses around the world. 

Gusto makes onboarding, paying, insuring, and supporting employees as easy as possible. And they don’t call themselves a “people platform” for no reason. 

They offer the right set of tools and services to make your life (and your employees’ lives) easier. 

Running payroll takes just a few clicks, and you can enjoy unlimited payroll runs every month. Need to pay seven different contractors at different times? No problem. 

Need to pay the same employees the same wages every pay period? You can set it up to run automatically without you having to lift a finger. 

Plus, you get access to a wide variety of features, including:

Automatic tax calculations

Built-in time tracking capabilities

Health insurance, 401(k), PTO, workers’ comp, and more

Compliance with I-9’s, W-2s, and 1099s

Employee self-service onboarding and dashboards

Next-day direct deposits (on specific plans)

And the best part? It’s affordable. 

If you don’t have W-2 employees, Gusto starts at $6 per contractor per month. But if you do have full-time or part-time employees, expect to pay a bit more. Their other paid plans include:

Basic — $19 per month + $6 per person per month

Core — $39 per month + $6 per person per month

Complete — $39 per month + $12 per person per month

Concierge — $149 per month + $12 per person per month

Gusto is perfect for most startups and small businesses. But, large companies with complex benefits packages, and hundreds of employees may find it limiting. 

Get started with Gusto today!

#2 – OnPay Review — The most flexible payroll service

If you’re looking for an all-in-one payroll system with transparent pricing and virtually unlimited flexibility, OnPay is an excellent choice. 

Whether you’re a small company or a fast-growth startup, OnPay is versatile enough to suit your needs. Plus, you never have to guess how much you’re going to pay every month with their transparent pricing. 

And you can rest easy knowing you have access to every feature OnPay offers regardless of the number of employees you have because they only provide one pricing plan. 

Their software includes access to powerful features, including:

Unlimited monthly payroll runs

W-2 and 1099 capabilities

Automatic tax calculations and filings

Employee self-service onboarding and dashboards

Intuitive mobile app for management on the go

PTO, e-signing, org charts, and custom workflows

Integrated workers’ comp, health insurance, and retirement

Multi-state payroll

Plus, getting started is super easy. All you have to do is set up your account, add your employees, and start running payroll. Furthermore, OnPay automatically calculates and withholds taxes so you don’t have to worry about manual calculations or human error again. 

They also offer specialized solutions for different industries, including nonprofits, restaurants, and farming/agriculture. 

OnPay is $36 per month plus $4 per person per month. So, you can add new employees to the software for just a few dollars, making it excellent for fast-growing companies and small businesses alike. 

And while OnPay can handle large companies with hundreds of employees, there are better enterprise options available. It’s most suitable for small businesses and fast-growth companies that need simple pricing and flexibility. 

Try OnPay free for 30 days to see if it’s right for you!

#3 – Paychex Review — The best for larger organizations

Paychex is an excellent choice for businesses with more than 50 employees. They also offer low-tier plans for small businesses, but they’re quite limited compared to the other small business options on this list. 

However, their midsize to enterprise plans are perfect for large companies. 

The larger your business is, the worse small discrepancies and human errors affect your tax calculations. And wrong tax filings equal harsh penalties from the IRS, even if it was an accident. 

So as a large company, it’s imperative to have a payroll service that adapts to meet your needs. Paychex is more than a payroll service. It’s a human capital management (HCM) system designed to help you save time and reduce errors. 

Their enterprise plans include features like:

Recruiting and onboarding

Performance and learning management

Powerful real-time analytics

100% employee self-service

Payroll automation features

Direct deposit, paper checks, and paycards

Salary, hourly, and contract workers

Paycheck garnishments

PTO and benefits management

Job costing and labor distribution

All of which are scalable for enterprises with thousands of employees (or as little as 50). Plus, Paychex services more than 650,000+ companies and has more than 50 years of experience in the industry. 

So, you can rest easy knowing you’re in good hands.

With that said, getting started isn’t as easy as it is with some of the other options on this list. Because each deployment is tailored to your business, you can’t get going on your own. However, they do offer a team of specialists to help you get the ball rolling. 

Contact their sales team for a custom quote to get started!

#4 – ADP Review — The best for built-in HR features

ADP is the way to go if you’re looking for a payroll service with the most built-in HR features. It’s perfect for smaller companies without an HR department and growing/large companies looking to streamline the process. 

ADP works with more than 700,000 businesses in 140+ countries, making it one of the most popular payroll services for businesses of all shapes and sizes. 

They offer tailored solutions for small, midsize, and enterprise businesses, so you’re sure to find the perfect solution whether you have five employees or 1000+. 

Their lower-tiered plans include basic payroll features like automatic tax calculations, employee self-service tools, a mobile app, PTO management, and complete compliance support. 

However, ADP offers more than just basic payroll and HR. They also include time tracking, talent recruitment, HR consulting services, advanced employee benefits, and the option to outsource your entire payroll/HR department. 

You can also get unique benefits, like personalized training, legal assistance, background checks, and interview scheduling too. 

Furthermore, ADP offers industry-specific solutions for nine different industries, including:

Restaurants

Construction

Healthcare

Manufacturing

Retail

Nonprofits

Note: ADP pricing isn’t available online, so it may not be suitable for micro or small businesses interested in getting started quickly. If you need something fast and straightforward, my #1 recommendation is Gusto.

Request a free quote to see if ADP is right for you today. 

#5 – Quickbooks Payroll — The best for QuickBooks integration

Quickbooks Online is one of the most well-known accounting tools on the market. And if you’re already a user, QuickBooks Payroll is an excellent addition to your tech stack. 

The two tools integrate seamlessly, making account reconciliation and tax season a breeze. 

Furthermore, QuickBooks’ payroll system works in all 50 states. So, whether you have a remote team or work with contractors across the country, you don’t have to worry about making errors or mishandling taxes. 

You can also rest easy knowing your federal, state, and local taxes are automatically calculated plus paid for you every time you run payroll. Plus, the entire process is easily automated after your first round of payments. 

With QuickBooks, you get a full-service payroll system regardless of the plan you choose. 

And the user interface is aesthetically pleasing with direct deposit payments landing in your employees’ bank accounts within 24 – 48 hours. 

The Core Plan starts at $45 per month, plus $4 per employee per month. It includes:

Full-service payroll with unlimited runs

Automatic payments after the first run

Health benefits

Wage garnishments

Next-day direct deposit

24/7 live chat support

All 50 states

So, even their most basic plan includes everything you need to simplify your HR and payroll processes. 

But if that isn’t enough, their advanced plans include:

Premium — $75 per month + $8/employee per month

Elite — $125 per month + $10/employee per month

Get 70% off your first three months to take QuickBooks Payroll for a test drive today!

Note: 1099 contractors and freelancers aren’t included. It comes as an add-on with additional monthly fees. So, this isn’t the most affordable choice if you frequently handle contractors or freelancers. 

#6 – Wave Payroll Review — The most affordable payroll service

If you’re on a tight budget, Wave Payroll is an affordable payroll option. Wave also offers numerous other small business tools for free, including invoicing, accounting, and receipt management. 

The different apps integrate seamlessly to create an affordable small business accounting and payroll solution. 

With Wave, getting started takes just a few minutes, and running payroll goes even faster. Plus, they offer a 100% accuracy guarantee. You can also pay hourly, salary, and contractors and automatically generate the right tax forms. 

In some states, Wave automatically files and pays your state/federal payroll taxes for you. However, in those states, Wave’s services are more expensive. 

You also get access to features, like:

Automatic journal entries (if you use Wave Accounting)

Self-service pay stubs and tax forms for your employees

Workers’ compensation management

Basic payroll reporting

Automatic year-end tax forms

Timesheets for PTO and accruals

While Wave is one of the most affordable payroll services, it doesn’t sacrifice functionality and essential features. Despite being cheaper than the other options on this list, you still get all the essentials you need to run payroll for your small business. 

In tax service states, Wave is $35 per month + $6 per contractor/employee per month. This service isn’t necessarily cheaper than the other options on this list. 

But, it’s still a great option if you’re a small business owner looking for a simple payroll solution. 

However, it’s $20 per month + $6 per contractor/employee per month in self-service states. At this price, it’s easily the cheapest option with the most features available. 

And don’t forget that Wave Payroll seamlessly integrates with Wave’s free accounting and invoicing software as well. 

So, if you don’t yet have accounting software, this is a smart choice. 

Try Wave Payroll free for 30 days to see if it’s right for you and your business!

Summary

For most users, Gusto, OnPay, and Wave are my top recommendations. 

They’re all excellent for small and fast-growth businesses with the ability to scale to match your needs. Plus, they’re affordable and easy to use. 

However, different businesses require different solutions. 

So, don’t forget to use the considerations we talked about as you go through the process of choosing the best payroll services for your business. 

What payroll services do you prefer?

The post The Best Payroll Services (In-Depth Review) appeared first on Neil Patel.

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Agilenano - News: 2020-04-23

The Cost Of Owning A House Is More Than A Mortgage Payment If you are considering purchasing a home for the first time there are house expenses you must be aware of. Costly home repairs can take a comfortable monthly budget and turn it upside down if you’re not prepared. This type of financial uproar can cause increased debt and potentially a downward spiral if you can’t pay it off. Before you sign the mortgage documents at the bank or lending agency the most important thing you can do is create a budget. I’ve blogged about putting together a mock household budget that you should live with for 3-6 months so you get an idea of what types of expenses you should expect as a homeowner. These are everything from fixed expenses which are bills you will pay that are always going to be there and variable expenses. Variable expenses are those that you have control over such as groceries. If you have a budget of $200 for groceries each month and you really need to find an extra $50 then look to your variable expenses. These are the expenses you can work on to bring household budget expenses down. I received an email from a young man who is interested in purchasing his first home. Let’s have a read and see how we can help him get a better idea of what house expenses to expect. Owning A House Expenses Dear Mr.CBB, I’m in my early 20’s and looking to buy a home in the next year or two. I’ve saved up a sizeable downpayment and have been to the banks inquiring about a mortgage recently. It seems they think I can afford more than I can based on my downpayment, credit rating, and net income. My question is what typical house expenses should I expect when owning a home? I don’t want to get in over my head and then live pay to pay or face losing my house. Thanks, Derrick Hey Derrick, Thanks for your email. I’ll do my best to explain to you what we paid for house expenses when we first bought our home in Ontario, Canada. Mr.CBB Common Household Bills How much does a house cost per month? Well, likely more than you think especially if you haven’t done any research on house ownership. Honestly, house expenses differ based on where you live in Canada however we’ll explore the most common. House expenses are those that every homeowner should come to expect when owning a home. After you’ve bought your home there are certain bills that come with your house that you MUST budget for. What’s frightening is that many Canadians get fixated on that weekly, bi-weekly or monthly mortgage expense and forget about the rest of the household bills. Have you ever had someone tell you that you could afford a mortgage based on what they will lend you? Probably, we’ve all been through it but the sad reality is that is you can’t trust anyone but yourself. In fact, the main reason people go into debt is because of the unexpected house expenses they did not factor in. On the other hand, if house expenses were considered they may have been far lower than what they actually were. Sometimes you may get potential buyers asking the current homeowner for utility bills or costs to run the house. You will also know what the cost of property taxes is that you must pay to the city. So, you can find out more information than you thought about a house you are wanting to purchase. Keep in mind that personal usage and the number of people in the home will increase or decrease variable expenses but not fixed. House Expenses List No one says you have to have cable, internet, home phone or even a cell phone to manage your house expenses. In fact, these are expenses that you have some control over because you can add and take away what you want to pay for. For example, although you may think this is a monthly fixed expense, often you can cancel subscriptions or data plans if it’s too much for your budget. It’s similar to grocery shopping which is considered variable expenses since costs can fluctuate based on your spending decisions. With a fixed expense like property taxes, mortgage or rent payment, it’s a bit more complicated than that. The only perk with a fixed expense is that you always know the cost of your monthly expense.  Property Taxes Your property taxes are a levy based on your home assessment and the neighbourhood you live in. How are property taxes calculated? Property taxes are calculated using the Current Value Assessment of a property, as determined by the Municipal Property Assessment Corporation (MPAC), and multiplying it by the combined municipal and education tax rates for the applicable class of property. We pay our property taxes monthly which automatically is debited from our bank account. Many mortgage companies will factor in your property taxes to your mortgage payment and pay for it on your behalf. This ensures that you don’t miss a property tax payment and one less house expense to think about. When we had a mortgage we paid our property taxes on our own without the help of our lender. Home Maintenance We like to keep a minimum of $5000 a year in savings towards house maintenance simply because that’s what everything costs about now. This is above and beyond our emergency savings account. All j0king aside it depends on how big or little your home is and what renovations you plan to do. Our neighbor, for example, saves $5000 a year to do one renovation project for his home. On the other hand, home maintenance expenses also cover other things like the lawnmower, hired help, roof repairs or any repairs for that matter. Perhaps you need new windows or you have a leak that your insurance company won’t cover. It’s not something you should consider it’s imperative that every homeowner has a home maintenance budget. Utility Bills Unlike other bills such as cell phones, cable and so forth your utility bills are a must when you purchase a home. You’ll be paying for bills such as hydro, water, gas and any other rental units such as water heaters or ac units. Our hydro and water bill comes monthly where our water heater rental comes every three months. Your utility bills will fluctuate in price based on costs and how much you use. You can ask the previous owner of the home you buy for the average costs of the bills or the utility company when you call to set up your bills. Keep in mind that many utility companies ask for a deposit before they hook up your services especially if you’re a first time home buyer. This is to ensure they have a back-up in case you don’t pay your bill on time but will be used at the end when you decide to close your account. Some utility companies who trust your bill payments will be made on time offer the deposit back to you or put it towards a current bill. Mortgage For most Canadians holding a mortgage will likely be the most expensive debt they will ever own. When we bought our house we did so on one income only just in case something might happen. Thankfully, we took that route as something did happen as Mrs. CBB lost her job months into homeownership. Related: What happens if I have a late mortgage payment? For this reason, it’s critical to analyze how much your mortgage will cost you and the best time to pay for it. We chose accelerated weekly so we paid more than what it would have cost weekly. The reason for that was so we could pay the principal down faster which worked. In 5 years we paid our entire mortgage off by saving money and being frugal although this is not the norm. Paying off your mortgage fast is based on many factors such as net income, debt, and monthly expenses. Below are the charts I created using a Canadian mortgage calculator as mortgage affordability is only a piece of house expenses. Based on a $300,000 mortgage with an interest rate of 5.00% amortized over 25 years this is what your house would cost you once it’s paid in full.   Beginning of Mortgage Payment Schedule End of Mortgage Payment Schedule Mortgage Summary  Over the 25-year amortization period, you will: have made 1300 weekly payments of $402.33. have paid $300,000.00 in principal, $223,025.19 in interest, for a total of $523,025.19.  Over the 5-year term, you will: have made 260 weekly payments of $402.33. have paid $34,444.03 in principal, $70,161.02 in interest, for a total of $104,605.05.  At the end of your 5-year term, you will: have a balance of $265,555.97.  Non-Monthly Savings By the end of the amortization period, with your selection of a non-monthly payment plan, you save $419.30 more in interest than if you had selected a monthly payment plan. By the end of the term, with your selection of a non-monthly payment plan, you save $50.40 more in interest than if you had selected a monthly payment plan.           Period                  Principle             Interest           Total      Balance Year 25 Totals $20,402.31 $518.69 $20,921.01 $0.00 After Term Totals $265,555.97 $152,864.18 $418,420.15 $0.00 Mortgage Totals $300,000.00 $223,025.19 $523,025.19 $0.00 Mortgage Insurance vs.Life Insurance In my opinion, ditch the mortgage insurance if you can get term life insurance which will cover the full amount of the insurance policy. This way your beneficiary can pay the mortgage in full if you should pass away and potentially have money left over. For example, my old term life insurance policy was for $400,000 which would have gone tax-free to Mrs. CBB. Since our mortgage is paid in full she could use that for funeral costs and anything else needed for her and our son. If we had a mortgage of $265,000 (our starting mortgage in 2009) and I passed away she would have been able to pay that in full and cover funeral expenses. A mortgage insurance policy only covers the remainder of the mortgage and goes straight to the lender. The problem is not everyone qualifies for life insurance but I’d say don’t skip this step. Always discuss details of any insurance policy with your advisor. If you are still unsure there is no reason why you can’t shop around until you find an advisor that earns your trust. Condo Fees (If applicable) Any time you purchase a condo you can expect to pay condo fees also known as strata fees and are non-negotiable. These fees typically are put into a fund and used to maintain common areas the property which the condos are built on. However, even a complex of detached homes may be considered a condo. When Mrs. CBB built her first house which was detached with a double garage and her property she had to pay condo fees. These fees covered maintenance of the back laneway and gardens surrounding the housing community during the seasons. This included snow removal, lawn care for boulevard as well as flowers and other shrubs to keep it looking pristine. She believes she paid just under $100 a month for condo fees back in 2004-2005. Related: Should my first rental property be a condo or a house? Home Insurance You can’t get a mortgage without house insurance which covers various facets of your home in the event of an accident or unforeseen event such as a flood. Be sure to read your insurance policy (even the fine print) so you know what you are paying for ane what is covered. Not all home insurance policies are created equally and you can pay for extra riders to be added if you want them. Riders are enhanced coverage you can add to your policy such as overland flooding when water from the land enters your house. The water might enter via doors, windows or through your basement during rain, winter meltdown or if you live near a lake or river. Also, if you have any type of land or beach rights you may need insurance coverage in the event there is injury even if neighbors are included in using the land. Always consult your insurance company to make sure you are paying for everything needed. These extra house expenses will increase your overall monthly budget. Also, if you own a condo your home insurance may differ from that of a detached home. Again, consult with your insurance agent and ensure you understand everything. If you don’t then ask questions until you do. Our current standard house insurance costs us just over $1000 a year which we pay monthly. The house was assessed by MPAC at just over $350,000, unfinished basement, small property, 1500 sq feet living in the Greater Toronto Area. Emergency Savings Major home repair costs can easily take down your emergency savings or increase the amount of debt you have. Using a credit card to pay for home repairs is not the best idea especially if it’s a high rate of interest. We save a minimum a year worth of budgeted house expenses including all budget categories in the event something should happen. Keep in mind that if you know that your furnace may only last another year or so start saving in your projected expenses. This way when it goes you have some or even all of the cash saved up to purchase a new one without having to pay monthly charges. What happens if your roof starts to leak? If it turns out you need to replace your entire roof these expenses will run you into the thousands of dollars even if you do the work yourself. Your best bet is to start saving ahead of buying a house or to keep some savings back to start your emergency savings fund. This might mean you hang on tight before you jump into homeownership but it’s better to be prepared for unexpected events. Debt Repayment (If any) Lastly, always consider debt repayment when you are applying for a mortgage. House expenses which include all of the above coupled with other personal expenses and debts can be overwhelming for your budget. If you walk into a mortgage blind or try to take one on living a fine line between pay to pay you’re pushing it. It’s better to wait until you lower your debt load and have enough money saved up for a downpayment and savings. You never know what could happen especially job loss or death which can throw a wrench into any budget. In Summary I believe Derrick is on the right path considering house expenses before he gets a mortgage. When I was a bit younger than his age I researched and asked as many questions as I could. As a young owner, the last thing you want is to walk into a mortgage uninformed. Related: Was I Too Young When I Bought My First Property? You can’t always trust the lender or the real estate agent so put some faith in yourself and your finances. Remember, at the end of the day they are working to make money and you are working to save it. House expenses are a big factor in homeownership success and I wish you all the luck on your journey. Discussion: What other house expenses would you consider as critical before accepting a mortgage? Do you have any experiences to share for Derrick and other readers? Share them below in the comment section. Mr.CBB The post 8 House Expenses You Should Expect As A Homeowner appeared first on Canadian Budget Binder. #CostsOfOwningAHome #InsuranceRiders #HouseExpensesList #CostlyHomeRepairs #HouseExpenses

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