Flexcare Health Insurance

Simple, affordable health insurance for you and your family

Tired of paying for routine, day-to-day health care expenses out of your own pocket? With the affordable, flexible coverage offered by a Flexcare individual health insurance plan, you’ll gain the added confidence of knowing that many of your health-related expenses, both routine and unexpected, will be covered.

To learn more about the plans, please choose your province of residence.

Flexcare Plan Features

Flexible, affordable coverage Understanding that different families and different individuals have different needs, Flexcare allows you to choose both the type and amount of coverage you want. That way you’ll pay only for the coverage you really want and need.

Protection that’s right for you and your family Choose the Core Plan and Add-On options that best suit your lifestyle and budget, or create your own plan based on our Stand-Alone options.

Coverage is tailored to your province Provincial health insurance plans differ across Canada. Recognizing this, Flexcare adjusts the coverage from province to province so you’ll have the protection you need from routine or unexpected health care expenses no matter where you reside.

Comprehensive coverage whatever your focus Flexcare offers you coverage for prescription drugs, dental services, or a combination of both. All Core plans also include vision care, emergency travel coverage and a wide range of extended health care benefits, such as registered specialists and therapists, hearing aids, homecare and nursing, Health Service Navigator . and more.

Portable coverage that follows you wherever you go Flexcare individual health insurance isn’t tied to an employer. That means you’ll “own” your coverage as long as you want regardless of any changes in your employment or health in the future.

Increased coverage for those 65 or better Recognizing that you may have special health priorities, Flexcare offers enhanced coverage in the areas where you may need it most.

Potential tax advantages for small business owners/self-employed Are you a small business owner or self-employed? You may be able to deduct supplemental health insurance premiums from your business income.

Special rates For couples and families with three children or more.

Hassle-free electronic claims submission Most of your prescription drug and dental claims can be settled automatically using your Flexcare benefits card, giving you one less thing to worry about.

Flexible payment options Choose the payment method that suits you best: Visa, MasterCard, American Express or direct monthly withdrawal from your chequing account by Pre-Authorized Debit.

Earn AIR MILES reward miles You can earn AIR MILES reward miles when you get a free, no-obligation quote, and then every year thereafter, as long as you remain a policyholder.

Applying is fast and easy Health insurance is an essential part of any sound financial plan. Apply online in the comfort of your home, when it’s convenient for you.

South Carolina DUI Defense Lawyers #attorney, #lawyer, #criminal #defense, #legal #advice, #dui, #drunk #driving, #law


South Carolina DUI Defense Attorneys

Strom Law Firm Criminal Defense Lawyers

Being arrested for DUI does not mean that you are guilty, a bad person, or that you do not have any rights. The Strom Law Firm DUI defense lawyers located in Columbia, South Carolina can help. Schedule a free case consultation today.

Call Us Today

(803) 252-4800

Pleading guilty to a DUI charge without the advice of a lawyer can have lasting personal and professional consequences including:

  • your ability to maintain your current as well as obtain future employment,
  • the expense of SR-22 insurance,
  • possible prison time,
  • hefty fines (which can double when you add court costs),
  • the loss of your license.

Founded by a former U.S. Attorney. the team at Strom Law also includes a former Public Defender and Richland County Assistant Solicitor. Mr. Strom has been awarded an AV rating, the highest Martindale-Hubble ranking. Our Columbia DUI lawyers will evaluate your case at no charge.

Fill out the Free Case Evaluation form on the right or call us immediately. Let us fight your South Carolina DUI charge, and help you protect your freedom and financial future.

How to Fight Your DUI Arrest

During our complimentary case evaluation, we’ll help you decide whether to plead guilty or not guilty – and inform you if your DUI charge or penalties could be reduced.

If retained to provide your DUI defense, our DUI lawyers will investigate the legality of your DUI arrest and determine whether guilt can be proven .

Preparing a DUI Defense

Was your DUI arrest legal?

South Carolina DUI law is a complex law, with a surprisingly large gray area of actual DUI culpability. Though, only a DUI attorney can thoroughly evaluate and challenge your DUI arrest. DUI statutes we ll examine include:

  • South Carolina law dictates that the police officer’s video camera must begin videotaping as soon as the officer turns the blue lights on.
  • Prior to administering the breathalyzer test the officer must have read and provided the implied consent notice. stating the consequences of a refusal to submit to a blood test, urine test, or breath test. Learn more about challenging breathalyzer tests.
  • Roadside or field sobriety tests (FST) must have been properly administered, for the result to be used in court. Inaccuracies with FSTs are widespread and commonly challenged. Learn more about challenging field sobriety tests .

Under DUI Law: Guilt Must Be Proven

The South Carolina DUI lawyers at Strom Law Firm, LLC will examine these and other DUI laws to determine the strength or weakness of the case against you.

  • The prosecution must prove that there was a reason, known as reasonable suspicion, for the officer to pull you over. For example, the officer saw you driving recklessly, speeding or swerving over the double yellow line.
  • The prosecution must prove that you were driving any type of motorized vehicle.
  • The prosecution must also prove that you were on the road.
  • Most importantly, the prosecution must establish that you were materially and appreciably impaired.
  • While some statutes are more easily determined than others, the most vital question appears to be whether the defendant was materially and appreciably impaired. This issue is at the core of the argument and presents the biggest challenge in dealing with the DUI statute.

Consequences of a DUI Arrest in South Carolina:

Consequences associated with a driving under the influence conviction are determined by

  • the charge of a first DUI, second DUI, third DUI, or subsequent offense;
  • your blood alcohol level (the higher your BAC, the stiffer the penalties);
  • your agreement or refusal to take a chemical test. such as a breathalyzer (if you refuse, you will lose your license for 6 months, unless you request an administrative suspension hearing) ;
  • minors being in your vehicle; and
  • your involvement in a DUI accident.

NOTE: Your DUI defense also plays a key role in determining the final consequences.

Actual DUI penalties. based on the factors above, include:

  • A suspended or restricted license
  • Mandatory jail time or imprisonment
  • Ignition interlock device
  • SR-22 insurance
  • Fines ranging from $400 to $10,000
  • Community service
  • Felony conviction
  • Alcohol and Drug Safety Action Program (ADSAP)

Cases our Columbia DUI Lawyers handle include:

Not sure if your situation falls into one of these cases? Call us or fill out the form for a no-cost consultation. Find out how our lawyers can give you another chance.

Free Consultations • Flexible Appointments • Se Habla Español

I Need a DUI Lawyer:

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To (803) 610-2881

Licensed Practical Nurse (LPN) Program at Athens Technical College #athens #tech #nursing #program


Licensed Practical Nurse (LPN) Program at Athens Technical College

Request more information about the licensed practical nurse (LPN) program by clicking on the links below:

Licensed Practical Nurse (LPN) Program

The licensed practical nurse program at Athens Technical College prepares students for careers in hospitals, convalescent centers, clinics, home care, and physicians’ offices. The program focuses on preparing individuals to assist in providing general nursing care under the direction of a registered nurse, physician, of dentist. Program courses include: patient vital signs, critical thinking and technology, applying sterile dressings, patient health education, and assistance with examinations and treatment. Get more details below including other Georgia colleges that offer licensed practical nurse (LPN) program .

Students Enrolled in the Licensed Practical Nurse (LPN) Program

Get more details below regarding enrollment, academics, and school demographics. Athens Technical College has offered the following degree levels for students:

  • Less Than Two-Year Award
  • Less Than Four-Year Award

Students by Academic Level (2015)

Source: IPEDS Survey 2012-2015: Data obtained from the US Dept. of Education’s Integrated Postsecondary Education Data System (IPEDS). Data may vary depending on school and academic year.

Career Options for Graduates

Students who have completed the Licensed Practical Nurse (LPN) program at Athens Technical College, have entered into some of these more popular career paths listed below:

Licensed Practical and Licensed Vocational Nurses


Care for ill, injured, or convalescing patients or persons with disabilities in hospitals, nursing homes, clinics, private homes, group homes, and similar institutions. May work under the supervision of a registered nurse. Licensing required.

Career Outlook Projections ()

According to the BLS, licensed practical and licensed vocational nurses employment is expected to grow at a rate of 16.3% from 2014 to 2024

Salary Wages

  • Athens-Clarke County, GA
    • Total Employment: 350
    • Average Hourly Rate: $19.94
    • Average Annual Salary: $41480

Source: Job descriptions, estimated salary and wages, and projected job growth are taken from the Bureau of Labor Statistics (BLS).

Other schools offering Licensed Practical Nurse (LPN) Programs in Georgia

Licensed Practical Nurse (LPN) programs are available at the colleges and universities listed below.

C = Certificate or Award | A = Associate Degree | B = Bachelor’s Degree | M = Master’s Degree | D = Doctorate Degree (PhD,MD. )

Speech & Language Therapy MSc Course #speech #therapy #courses #online


Speech and Language Therapy

Who is it for?

Our graduate-entry courses allow graduates with a first degree from disciplines other than healthcare to gain a pre-registration health qualification in two years as opposed to the usual three to four – providing a fast-track route into health.

The MSc in Speech and Language Therapy is designed for students who are committed to a career in speech and language therapy. You will need to have:

  • Good listening and communication skills
  • Good problem-solving skills
  • Good organisational skills
  • An ability to learn a range of academic subjects and to apply your learning to clinical practice
  • An enthusiasm for working with children and adults and as part of a team.

Read second year student Sophie Carmichaels s monthly blog to find out why she choose to study speech and language therapy at City, her experiences on the course and advice for anyone considering studying speech and language therapy at City.


The MSc Speech and Language Therapy course leads to work in a challenging and varied field – you could be working with autistic children, people who stammer or adults who have lost their speech following a stroke.

City’s MSc Speech and Language Therapy has an excellent reputation and is based within the largest, teaching, research and clinical division in the UK for language and communication science.

The programme is taught by expert staff who are leaders in the field of speech and language therapy. The innovative and research-informed curriculum is supported by a busy in-house speech and language therapy clinic led by specialist staff and is considered as one of the leading educational environments in the world.

At City we have close links with speech and language therapy services throughout London, with many practitioners from these services acting as clinical tutors on our courses.


On successfully completing the MSc Speech and Language Therapy you are eligible to apply for registration with the Health and Care Professions Council (HCPC), and practise as a speech and language therapist in the NHS and other settings.

Requirements and how to apply

A minimum of an upper second-class Bachelor s degree from a UK university or an overseas qualification of an equivalent standard.

The following is also required:

  • A minimum of five passes grade 4 (C) in GCSE or equivalent, including English and Mathematics.

For those students whose first language is not English, the following qualification is also required:

IELTS: A minimum score of 8.0 with no component below 7.5.

Please note that due to changes in the UKVI’s list of SELTs we are no longer able to accept TOEFL as evidence of English language for students who require a CAS as of April 2014.

English Language Programmes

If you need to improve your English language skills before you enter this course, our partner, INTO City, University of London offers a range of English language courses. These intensive and flexible courses are designed to improve your English ability for entry to this degree. Please click the links below for more information.

If you are not from the European Economic Area / Switzerland and you are coming to study in the UK, you may need to apply for a visa or entry clearance to come to the UK to study.

The way that you apply may vary depending on the length of your course. There are different rules for:

  • Students on courses of more than six months
  • Students on courses of less than six months
  • Students on a pre-sessional English language course.

If you require a Tier 4 student visa to study in the UK, you cannot undertake any City courses on a part-time basis.

For more information see our main Visa page .

Applications for entry in September 2017 are now closed. Applications for entry in September 2018 will open in October 2017.

All applicants should refer to the applicant guidelines prior to making any application. As well as explaining the application process, the guidelines provide detail of additional documents, that do not form part of the application form, but must be provided before the deadline in order for your application to be considered.

Please also ensure you download the Academic Reference Request form and forward to your referee.

Contact us

Call: +44 (0)20 7040 5000

Teaching and learning

The MSc in Speech and Language Therapy is a very intensive programme which requires full time study by attending lectures, small-group problem-solving sessions, practical classes and tutorials. You will also have access to the most up-to-date equipment in the Speech Acoustics Laboratory and innovative online learning materials. On clinical placements you will benefit from the supervision of a qualified therapist.

Modules are assessed through a diverse range of assignments and examinations. Your clinical progress will also be monitored by supervising clinicians.


During the MSc Speech and Language Therapy course you will learn about the foundations of speech and language, about how children learn to talk and about disorders that affect communication. A number of subjects equip you for the analysis of speech, language and hearing difficulties, such as phonetics, linguistics and audiology. You will also develop research skills and the ability to apply evidence based practice. You will undertake weekly and block clinical placements in both years of the course.

  • Articulatory Phonetics, Phonology and Speech Development
  • Bio-medical Sciences
  • Life Span Psychology and Research Methods
  • Speech Disorders, Dysfluency and Augmentative and Alternative
  • Dysphagia, Voice, Motor Speech Disorders, Dementia
  • Language Sciences: Linguistics and Language Development
  • Professional Studies A
  • Evidence Based Practice and Data Analysis
  • Acoustic Phonetics, Audiology and Deafness
  • Acquired and Developmental Language Disorders
  • Autism Spectrum Disorder, Learning Disability, Child Mental Health, Cerebral Palsy, Cleft Palate
  • Professional Studies B
  • Research Project

When you have successfully completed 13 modules totalling 240 credits you will qualify for an MSc Speech and Language Therapy.

Application Deadline

Applications for entry in September 2017 are now closed. Applications for entry in September 2018 will open in October 2017.

All applicants should refer to the applicant guidelines prior to making any application. As well as explaining the application process, the guidelines provide detail of additional documents, that do not form part of the application form, but must be provided before the deadline in order for your application to be considered.

Please also ensure you download the Academic Reference Request form and forward to your referee.

Contact us

Call: +44 (0)20 7040 5000

Multiple Sclerosis: Diagnosis & Tests, multiple sclerosis relief.#Multiple #sclerosis #relief


Diagnosis Tests

Early diagnosis is important, since treatment can slow the disease. In these articles, learn about tests doctors may use to diagnose MS and measure its effects.

  1. Diagnosing Multiple Sclerosis (MS) It can be a challenge for doctors to diagnose multiple sclerosis. There’s no one test that can definitely show if someone has it. And there are many conditions with similar symptoms.
  2. MRI: Magnetic Resonance Imaging Widespread use of MRI (magnetic resonance imaging) has revolutionized the ability to diagnose multiple sclerosis.
  3. The Spinal Tap and MS The results of a spinal tap can help doctors see whether your body’s immune system is attacking itself, which is what happens in MS.
  4. Evoked Potential Tests for MS Painless evoked potential tests measure electrical activity in parts of the brain, which can help doctors diagnose MS by detecting subtle problems with some nerves.
  5. How MS Disability Is Measured A variety of tools can help you and your doctor gauge whether your MS is improving, progressing or staying about the same.

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Library and Information Science Graduate Degree #university #of #washington #grad #school


Master of Library and Information Science

Library and Information Science Graduate Degree

The University of Washington’s Master of Library and Information Science (MLIS) prepares professionals with a strong background in the theory and practice necessary to build the libraries and organizations of tomorrow. As you explore the uses, contexts and users of information you will develop the skills required to play an essential role in any knowledge intensive industry. MLIS alumni from the iSchool find work in private, government and non-profit sectors.

A Graduate Degree that Allows You to Thrive

The iSchool’s MLIS graduate degree program, ranked second in the nation by U.S. News World Report. remains competitive by offering:

  • A collegial atmosphere both among students and between students and faculty
  • A low student/faculty ratio, which helps keep our admissions process competitive and the quality of our students high (See MLIS class profile )
  • The option to elect independent study, directed fieldwork, research projects and other opportunities to work closely with faculty members and area professionals
  • The ability to draw on the resources of the iSchool’s Informatics, Information Management, and Ph.D. in Information Science programs, as well as the resources of a world class, Tier 1 public research university
  • A strong track record of post-graduation employment in libraries, nonprofits and corporations

Continuously accredited by the American Library Association since 1926, the program is one of the most extensive ALA-accredited graduate degree programs in the country. (Read our recent accreditation presentation. ) Our graduates have been named Librarian of the Year by Library Journal, New York Times Librarian of the Year, and garnered one of the American Association of Law Libraries’ most prestigious prizes for their energetic efforts to advance their field.

Curriculum That Prepares You to Grow and Lead

The MLIS core curriculum emphasizes the theoretical foundation necessary to make your education one you can use to build on throughout your career. Students will use their understanding of systems design, information literacy, information architecture, usability and similar disciplines to make the information environments we interact with every day more useful and useable. Empowered to adapt to a growing and changing field, you will learn to use information as a tool for transformation in your personal and professional lives.

Connect Apply

Electronic Medical Records #electronic #medical #records #programs


Electronic Medical Records

What is an Electronic Medical Record (EMR)?

An electronic medical record (EMR) is a computer-based patient medical record system used to manage patient information and care within the scope of the clinic s practice. Features include billing, scheduling and clinical information. Typically, clinical information includes encounter notes, health conditions, allergies, family history, prescriptions and medications, diagnostic test results, referral letters and consult letters.

EMRs eliminate the need for a paper-based system to track, organize and manage patient information, providing tangible benefits to clinicians, clinic staff and patients.

Here are some examples of benefits:

Efficiency and sustainability

  • reducing time spent searching for records or waiting for records already in use
  • providing the ability to renew prescriptions with just a few clicks
  • reducing lost billing opportunities
  • enabling cost reductions related to storage space for paper-based charts
  • operating a practice using technology enables easier recruitment of new clinicians

Quality of care and safety

  • reducing risk associated with clinical errors through use of EMR features such as drug interaction checking and alerts
  • ensuring essential information (e.g. chronic conditions) is highlighted through use of automated reminders or flags
  • avoiding decision delays due to inability to find or access information, thereby reducing risks to the patient
  • providing easier observation of trends and patterns in the health of a patient or group

Access and client service

  • improving access to clinical information through improved organization and structure of patient medical records
  • improving the legibility of notes by eliminating the need for handwritten chart entries
  • improving protection of patients personal health information via clearly defined permissions to access patient data in the EMR
  • improving the sharing of health information among primary-care providers
  • improving the flow of information to specialists by easily enabling generation of comprehensive referral letters with EMR information

EMR-experienced Peer Supporters from the Manitoba Peer-to-Peer Network at Manitoba eHealth have shared their EMR experiences, including their favourite EMR Tips and Tricks. the benefits they realized from implementation and the lessons they learned along the way. Click here to read their stories .

2006 Manitoba eHealth. All rights reserved.

Software Sales: Six Key Elements #software #sales,selling #software,software #marketing


Six Elements of Strong Software Sales

Our Top Tips for Selling Software

Whether you are a software sales professional, or just selling software on the side, it is important to follow these critical guidelines for success. Keep reading to learn the six key tips for sales success. Also check out this article about selling software online.

Software sales cycles are changing. With the existence of Software-as-a-Service (SaaS), cloud computing, and open source options, in many cases this can shorten the overall decision process for the customer. If you’re still selling a traditional software license the “old fashioned” way, you may find that your customer has made a buying decision with someone else before you even have a quote together or the pilot finished!

In today’s competitive software marketplace, it is critical to focus on 6 key elements to keep your software sales growing:

Do you have the right business model and pricing structure? With the changes occurring in the software industry (SaaS, open source, outsourcing, mobile software, etc) it may be time to revisit the way your software product is positioned, priced and/or productized (the 3 P’s!). For example, moving to or adding services revenue or subscription licensing can drive increased software sales. Check out our article on software business model planning. Also, if you have a multiple product strategy (eg, a traditional software license approach, and also a SaaS offering) then you need to be very careful to avoid channel conflicts in your pricing strategy, and make sure you are positioning the right product for your customer’s needs, using this SaaS readiness checklist. If you need some additional input, then we offer an affordable sales & marketing strategy audit. Find out more details here.

  • Have a Strong Value Proposition.

    What is your company’s and your product’s biggest strength (in the eyes of the customer, of course) and main advantage against your competition? That is your value proposition. Keep it simple. You should be able to communicate it without even a moment’s thought, and it must be communicated convincingly and with passion! If you don’t believe it, then you won’t be able to make your customer believe it.

    Make sure that your value proposition clearly differentiates your product or service from your competition in the customer’s eyes. Remember that your “competition” may not be selling exactly the same type of product you are. If you are a licensed software vendor, your primary competitor may become a SaaS provider or perhaps open source software. Each requires a different type of value proposition.

    Make sure your value proposition is clearly spelled out in the beginning and end of your software proposal. Having a compelling software sales proposal is critical to come across as professional and convince your customer that your product or service will meet their specific needs. You can download our Software Proposal Template Package here to use as a starting point to developing your own professional sales proposal. It will really increase the effectiveness of your proposals, help you build credibility, and speed up your turnaround time to close the deal faster.

  • Identify your Profitable Customers.

    You must be able to write down exactly who your customer base is: are they in a specific industry? Are they in small, medium or large companies? What other common characteristics do the right customers have? And who are the specific purchasers and stakeholders within your customer? Take the time to put together detailed target customer profiles for each of your software products or services.

    Sales time is valuable. Make sure you have a software sales strategy to reach these specific target customers. Do they have particular conferences they go to? Do they read particular publications or visit certain sites? If you have a lead outside of this target, you should think long and hard about whether you want to spend your time chasing it. Focus your sales efforts on the right customers.

  • Build Strong Customer Relationships. Know who within your target customers you need to build relationships with, and have a software sales process that supports that. These should be the individual purchasers, stakeholders and influencers of your product or service purchase. Depending on the typical fee for your software or service, they might be at the CXO level or not, but make sure you are developing relationships high enough up in your customer organization to be able to influence the purchase decision.

    You may have great relationships at the IT manager or business unit manager level, and those may get you some good insight and information…. But don’t kid yourself that that is enough to influence the sale unless you really do have a low-cost product with a one-off purchase decision.

    Your relationship-building efforts must include reaching out regularly to stakeholders at both existing clients and new leads. Getting face-to-face can be time consuming and expensive. However, excellent web conferencing tools exist that make it possible to hold effective sales meetings and presentations online. In addition, make sure you understand the impact the internet is having on B2B sales and the customer purchase cycle. More and more, B2B buyers are relying on the internet for their product research and evaluation, which means that when you get that first sales call they have already gathered quite a bit of product data and done a preliminary vendor short-list. The worst thing you can do in that case is to start with a “generic” sales pitch.

    A final critical part to developing strong customer relationships is established a strong channel network. This could include working with a software reseller, distributor, or complementary software vendors and service providers.

  • Reinforce your Value Proposition with ROI and Client Examples.

    So you’ve got a strong product and value proposition, identified the right customers and built relationships with them. Isn’t that enough to get them to buy your software or service? No!

    Now you need to convince that customer that you really can deliver on your value proposition for them. That means communicating a strong and convincing ROI, taking into account both hard ($) and soft benefits.

    Many software vendors do not take the time to think through and quantify all the possible areas of ROI, but in fact a strong ROI methodology is critical to your software sales success. Unless, of course, you have such a stunning value proposition that customers are willing to pay for it regardless. And make sure you have customer examples or case studies that reinforce your value proposition and ROI message also.

  • Ensure your Sales Channel or Organization and your Sales Compensation Drives the Right Behavior.

    Both your sales organizational structure or channel program and individual ownership/reward must be structured in a way that supports engagement with the right target customers in the best way to sell effectively. Sales process is absolutely necessary, but make sure it does not get in the way of your sales people doing their job, and make sure the comp plans are rewarding the right behavior.

    Your sales channel or organizational structure should be as effective as possible in reaching your target customers. Consider using a software reseller, making software resell rights available, or building an affiliate program.

    For more detail on commission planning, check out these tips for putting together an effective software commission plan that drives the right behaviors from the entire sales team.

  • Most of these software sales points may seem obvious… but without explicitly prioritizing these six areas it is easy to get defocused and not recognize the wasted effort that results.

    Next Steps to Ramp Your Software Sales

    Next, develop a strong, professional, customer-focused sales proposal that will convince customers to purchase your product or service. Use our Software Proposal Template as a starting point.

    For additional sales tools, templates, coaching and master classes, check out the Software Marketing Toolkit here. You’ll have access to all the tools you need to increase your software sales expertise and help you drive revenue from your software.

    • Click here for our top tips for selling software online.
  • Click here to learn about calculating a convincing ROI for your software.
  • Click here to understand how the changes in the software industry are shortening the software sales cycle.
  • Click here to learn more about software pricing strategies.
  • Click here for tips on writing a winning software proposal.
  • Click here for advice on how to work with a software reseller or distributor.
  • Click here for more on software resell rights and reselling software.
  • Click here to learn how to set up a successful software commission plan.

  • Is Cheap Car Insurance Worth It? #cheap, #cheap #car #insurance, #car, #auto #insurance,


    Is Cheap Car Insurance Really Worth It

    Summary: Cheap Car Insurance

    Cheap car insurance can mean poor coverage, bad customer service, and worse. Find out why affordable auto insurance is better for your financial well-being than cheap auto insurance.

    Is “Cheap” Car Insurance Really Worth It?

    When it comes to car insurance, customers typically look to find the best price. However, when it comes to auto insurance policies, cheaper is not always better, and there are a number of reasons why.

    Cheap vs. Affordable Car Insurance

    No matter how you look at auto insurance, the cost is always relative to what coverages and services you receive.

    For instance, there is a big and oftentimes unforeseen difference between “cheap” and “affordable” auto insurance. In other words, you can get cheap car insurance that offers very little coverage, but for a little more money you can find affordable car insurance that offers the protection you need at a lower price than what you are used to paying for.

    In this regard, it is smart to compare rates for low-cost insurance without simply choosing the cheapest option. Picking the cheapest option by default can leave you hanging in the balance if you have to make a claim, or worse, leave you without a car or cash to fix the damage from an accident.

    The Drawbacks to Choosing the Cheapest Option

    As mentioned, there are certain drawbacks to choosing the cheapest car insurance you can find, and many of them can easily be masked by the appeal of a cheap price tag.

    Insufficient Coverage

    One major potential downside to going for the cheapest option is that you may be choosing only the minimum coverages, meaning you’ll face higher risk in the event of an accident.

    For example, if you choose only the required liability insurance required by your state (and no collision or other optional coverage), you’ll only be able to pay for damages to another driver in an accident you cause, meaning you’ll have no insurance for your own costs.

    High Out-of-Pocket Costs

    Also, choosing high deductibles on your auto insurance policy in order to get lower premiums will often leave you with higher out-of-pocket costs at the time of an accident.

    While it’s easy to set up a high deductible in order to get a lower premium because you don’t expect to get in an accident, the reality is it could easily happen. So it’s smart to really assess your budget and set a deductible that you can afford to pay in the event of an accident.

    Poor Customer Service and Claims Support

    When you get the cheapest policy on the market, you may find that the customer service is not there when you need it. Take a look at reviews from customers to try and find out how the company handles claims, customer questions, etc.

    “Cheap Insurance” Scams

    Customers seeking “cheap car insurance” are targets for those running car insurance scams. These scams are frequently disguised as a deal that seems too good to be true. One day, you try to file a claim and find out your insurance never existed.

    In 2011, a fraudulent company in Michigan scammed a large number of auto insurance buyers by offering cheap car insurance that turned out to be fake. Michigan and several other states have begun cracking down on this issue; however, it is ultimatelyyour job to make sure the company you purchase auto insurance from is a legitimate and trustworthy company.

    You should research any company thoroughly before handing over any money or personal information. A good place to start in vetting these car insurance companies is shopping online.

    Warning signs that the insurance company may be fake include the following:

    • The price is significantly lower than the range of prices you’ve seen from other companies.
    • There are typos in the paperwork or advertising from the company.
    • The company requests full payment via cash or money order.
    • An “agent” offers to backdate the new policy.
    • You do not get an insurance ID card.

    Whenever you’re on a website and shopping around for car insurance, make sure their website is secure. especially if you plan to give any personal information (e.g. for a quote).

    If the site’s URL starts with “https” (vs. “http”), it’s secure, meaning you can count on the site to have security measures in place, and you can feel more confident inputting personal information.

    Finding the Best Low-Cost Car Insurance

    When it comes down to it, auto insurance is all about finding the best low-cost option that is not necessarily the cheapest or most minimal. After all, you want to feel adequately protected should something happen.

    Regardless of the price you end up paying, you should look up valid complaints about the insurance company filed with your state’s Department of Insurance to make sure you’re purchasing a plan with good coverage as well as customer service.

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    State College of Florida, Manatee-Sarasota – Acalog ACMS™, sarasota college of florida.#Sarasota #college #of #florida


    2017-2018 Catalog

    State College of Florida, Manatee-Sarasota (SCF) is accredited by the Southern Association of Colleges and Schools Commission on Colleges to award associate and baccalaureate degrees. Contact the Commission on Colleges at 1866 Southern Lane, Decatur, GA 30033-4097 or call 404-679-4500 with questions about the accreditation of SCF.

    SCF is governed by the Florida Legislature and by the SCF District Board of Trustees. Fees are subject to change without prior notice whenever conditions make it necessary.

    Statement of Nondiscrimination

    SCF does not discriminate on the basis of sex, pregnancy, race, religion, age, national origin/ethnicity, color, marital status, disability, genetic information or sexual orientation in any of its educational programs, services or activities, including admission and employment. Direct inquiries regarding nondiscrimination policies to: Equity Officer, 941-752-5323, PO Box 1849, Bradenton, FL 34206. For more information, visit the Diversity and Equity page of our website.

    Equity Officer, ADA Coordinator

    State College of Florida

    5840 26th St. W., Bradenton, FL 34207

    Title IX Deputy Coordinator and Section 504 Coordinator: Gloria M. Tracy

    State College of Florida

    5840 26th St. W., Bradenton, FL 34207

    Title IX Coordinator: Dean of Students

    State College of Florida

    5840 26th St. W., Bradenton, FL 34207

    This publication can be made available to persons with disabilities in a variety of formats. Requests should be made to the Disability Resource Center (DRC) coordinator, SCF, P.O. Box 1849, Bradenton, FL, 34206, or call 941-752-5000, SCF Bradenton, or 941-408-1300, SCF Venice, at least two weeks prior to the time the publication is needed.

    Disabled individuals requiring accommodations, modifications or encountering physical barriers in the limited number of older inaccessible facilities should contact the DRC Coordinator Patricia Lakey at 941-752-5295 or 941-408-1300, ext. 65295, for information, assistance or services. Provision of certain auxiliary aids and services to College events or activities require a specific request at least two business days prior to the function.

    Catalog Accuracy Disclaimer

    SCF has made every reasonable effort to ensure the accuracy of this Catalog. This Catalog represents the current curriculum, educational plans and requirements, which may be altered to carry out the purposes and objectives of SCF. The Catalog is not a contract and may be changed as necessary by statute, rule or College requirement. Updated information is available on the College s website, SCF.edu.

    Public Law 93-380, Family Educational Rights and Privacy Act

    In accordance with Public Law 93-380, Family Educational Rights and Privacy Act (FERPA), strict confidentiality will be observed regarding student information, even though the nature of an educational institution requires that records must be kept.

    The act provides that the College may retain the right to release directory information, which is defined as the student name, degree of study, participation in officially recognized activities and sports, weight and height of members of athletic teams, terms of attendance, and degrees and awards received. In the absence of written notice by a student to withhold any or all information included in the definition of directory information, the College reserves the right to release any of this information it may consider desirable. Directory disclosure release forms are available in the educational records offices at SCF Bradenton and SCF Venice.

    Acknowledgments and Appreciation

    Designated officials in College administrative divisions are responsible for authoring and approving the content of major Catalog sections as follows:

    Academic Affairs: Bachelor s degrees, A.A. degree and prerequisites, A.S. programs, certificate programs and course descriptions; academic support; and Center for Corporate and Community Development.

    Student Affairs: Educational records, admissions and enrollment policies, student services, student code of conduct and academic calendar.

    Finance and Administrative Services: Cost and fee information and financial aid.

    Communications and Marketing: Preface information, including accreditation and legal statements; greetings, board of trustees, College history, mission and goals; general information and general overview.

    The State College of Florida Foundation Inc.: College Foundation.