California Home Insurance Quotes – Compare and Save Today! #home #insurance #in #california


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California Home Insurance Information

Located on the West Coast, California is the post populous U.S. state and home to eight of the nation s 50 most populated cities. Since the state is prone to both earthquakes and wildfires, California homeowners should seriously consider the benefits of purchasing some kind of home or residential insurance.

How Much Does California Home Insurance Cost?

According to the Insurance Information Institute. in 2010, the average annual premium for homeowners insurance in California was just $939. The best way to get a good value is to compare rate quotes from numerous companies for the same or similar levels of coverage. The California Department of Insurance (CDI) provides several Consumer Information Guides that provide helpful information on homeowner s or residential insurance. The CDI also provides a list of current insurance companies licensed to sell residential insurance in California.

A variety of factors influence rates in California, including the age of your home, your home’s location in proximity to fire hydrants and fire protection services, your claims history, and how your home is constructed. Older homes generally cost more to insure because they were not built according to modern codes that add greater fire resistance and are more likely to have aging plumbing and electrical wiring, all of which pose additional hazards. Wood frame homes also generally cost more to insure than brick homes because of their increased vulnerability to fire.

If you are having difficulties finding home insurance companies in California that will sell you a policy because your property is considered “high risk,” the state offers the Fair Access to Insurance Requirements (FAIR) plan. This plan allows California homeowners who have been denied coverage to purchase a basic fire insurance policy for both the structure and contents of their home.

What Does It Cover?

Home insurance in California helps protect against financial loss in the event that your home is damaged or destroyed by unforeseen perils named in your policy, such as fire, windstorm, hail, or vandalism. The policies that California residents purchase generally includes liability coverage. which pays for any lawsuits that could result if you, your family members, or your pet causes injury to another person who does not live in your household.

Do I Have to Get Home Insurance in California?

Home insurance is not required by law in California. But buying insurance can help protect your house and property against damage from unforeseen circumstances, and liability for accidents that injure other people or damage their property.

Optional Coverage to Consider

  • Flood. Many homeowners are unaware that flood insurance is typically not included even in the most comprehensive of home insurance policies. California residents in participating communities can purchase flood insurance through the National Flood Insurance Program (NFIP), which is offered through licensed agents or private insurance companies in California in collaboration with FEMA. Your mortgage lender will generally not require you to purchase flood insurance unless you live in a flood plain but that doesn’t mean homes outside of high-risk areas are safe from this peril.
  • Fire and Lightning. While fire and lightning coverage is included in most standard homeowner’s insurance policies, some policies exclude this important protection. Areas of California are particularly at risk of wildfires and firestorms, so it’s important to make sure you are adequately protected from this peril. As recently as 2012, historic wildfires have decimated areas of Southern California, destroying thousands of homes and damaging property.
  • Hazard. The terms hazard insurance and home insurance are often used interchangeably. Hazard insurance may refer to the portion of your policy that protects your home, its contents, and any outbuildings. While hazard insurance is not required by California law, your mortgage lender will generally require you to purchase it to protect their investment. However, the minimum amount of hazard insurance required to satisfy your lender may not be enough to cover you in the event of a natural disaster. Carefully evaluate the policy limits in your dwelling policy and determine if they are high enough to replace your home should the unthinkable happen.
  • Windstorm. Windstorm and hail coverage is included in many standard homeowner’s insurance policies, but may be excluded from coastal areas that are at high-risk of damage from high winds or tropical storms. Read your policy carefully to determine if you will have adequate coverage for severe weather events, and ask your agent if your insurance policy covers associated problems, such as tree and debris removal after a windstorm. You may need to purchase a special policy that covers windstorms and hail.
  • Earthquake. California sits atop some of the most active fault lines in the world, making earthquakes a distinct hazard in the state. However, earthquake insurance is not included in most standard homeowner’s insurance policies. According to the California Department of Insurance. earthquake insurance in California must provide coverage for your dwelling, personal property, and if you occupy the dwelling any additional living. Because of the threat earthquakes pose to homeowners in California, the California Earthquake Authority helps ensure homeowners, mobile home owners, and renters have access to earthquake insurance coverage through participating insurance companies.
  • Replacement Value Coverage. When purchasing homeowner’s insurance, you have the option to replace your home and belongings at actual cash value (ACV), which takes into account depreciation, or at replacement value, which is what it would actually cost to replace your home and belongings (up to the policy limit or a set percentage above your home’s ACV). Replacement value coverage is generally more expensive than ACV coverage, but provides more thorough coverage in the event you lose your home and it needs to be replaced. If you opt to insure your home at market value, you may end up having to pay for what your insurance did not cover out of your own pocket if disaster strikes or otherwise end up settling for a smaller home.
  • Scheduled Personal Property Endorsement. A scheduled personal property endorsement, or personal property floater, is needed if you have certain valuables that require a greater level of insurance coverage. For instance, if you have a collection of fine furs or antiques, guns, or expensive jewelry, you should consider itemizing them on your insurance so that you can adequately recoup their loss if they are lost or stolen. The homeowner will describe these valuables in detail in the policy.
  • Secondary Residence Premises Endorsement. Many California residents own more than one residence, such as a summer home or vacation home. To make sure that your other residence is adequately protected, consider purchasing a secondary residence premises endorsement, which will cover the cost of any damage to the secondary home or its furnishings.

Mobile Home Insurance in California

California mobile home or manufactured home policies protect against damage or destruction to your mobile home or its contents as well as theft of its contents and personal liability. Many policies are similar to traditional homeowner’s insurance in that they include liability coverage in the event that you, your family members, or pet causes injury to another person. The California-based Auto Insurance Specialists can save you money by packaging your auto and mobile home insurance policies with a single carrier.

Major Cities


Locksmith in Chatsworth CA – Local Locksmith Chatsworth, California #locksmith #chatsworth, #locksmiths #in #chatsworth, #chatsworth


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Need a Locksmith?

Why Us?

  • No Extra charges Nights or weekends
  • Our Locksmiths are licensed, bonded and insured
  • Free re-key for new locks with a 6 month warranty

Locksmith Chatsworth CA Locksmiths in Chatsworth, California | Local Locksmith near Chatsworth CA

When you are about to leave your home, it would be a good habit to remember about bringing all your door keys with you. You do not want to experience the frustration of opening locked doors without the spare keys with you as soon as you get back home. When this happens, you re only option would be is to contact residential locksmiths to open the door for you. Trusting the experts would be a great idea with this kind of situation. Doing it yourself alone may or may not work. It would be better to look for an expert immediately.

A company that can give the right solutions to your lock and key problem is our Chatsworth locksmith. We are consisted of skilled and trained locksmith techs available 24/7. We can provide you with professional locks, keys safe services at sensible deals. Rekeying of master locks, installation of locks, replacement if locks and other parts, duplication of keys are the services we offer under our residential locksmith services. Only insured, licensed and bonded locksmith experts are being dispatch to the field. So if you are looking forward to improving the current situation of you security mechanism, they can be trusted.

Beside all residential services offered by our locksmith firm, we also have the commercial, industrial and automotive locksmith services available anytime you need it. We ve discovered that a contented customer is a customer that returns. With that, it is our duty to meet your needs.

If you find yourself in dire need of locksmith services whether for you home, business or car, we are the one you can call. Call us right away to be accommodated by our well prompt representatives. The total expenses of our clients will depend on how complex the job is, materials if purchase and $15 for the service call.

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Stockton, California (CA) Colleges and Universities #stockton, #california #(ca) #colleges


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Stockton, California (CA) Colleges and Universities

  • Doctorate
      • Doctor of Business Administration – Management
      • Doctor of Nursing Practice (DNP)
      • EdD in Organizational Leadership – Health Care Administration
      • EdD in Organizational Leadership – Special Education
      • Ph.D. in General Psychology – Cognition and Instruction
      • Ph.D. in General Psychology – Industrial and Organizational Psychology
  • Master
      • M.S. Psychology with an Emphasis in Gerontology
      • M.S. in Psychology with an Emphasis in Human Factors
      • MA in Curriculum and Instruction
      • MS in Criminal Justice: Legal Studies
      • MS in Psychology: General Psychology
      • M.B.A. with an Emphasis in Project Management
  • Bachelor
      • Bachelor of Science in Business for Secondary Education
      • BS in Applied Management
      • BS in Psychology
      • B.S. in Psychology with an Emphasis in Performance and Sports Psychology
      • Bachelor of Science in Elementary Education
      • BS in Accounting
  • Non-Degree
      • Graduate Certificate of Completion in GeroPsychology
      • Graduate Certificate of Completion in Industrial and Organizational Psychology
      • Graduate Certificate of Completion in Forensic Psychology
      • Graduate Certificate of Completion in Health Psychology
      • Graduate Certificate of Completion in Human Factors Psychology
      • Graduate Certificate of Completion in Life Coaching

Get Started with Grand Canyon University

3 Herzing University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Herzing University

4 Strayer University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Strayer University

5 Colorado Technical University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Colorado Technical University

6 Colorado State University Global

Minimum eligibility requirements:
  • Undergraduate applicants must be a high school graduate or have completed GED and completed some college
  • Master’s degree applicants must have a bachelor’s or higher.
School locations:
  • Doctorate
      • EdD in Educational Administration
      • EdD in Teacher Leadership
      • EdD in Higher Education
      • EdD in Transformational Leadership
      • Ed.D. Professional Leadership, Inquiry, and Transformation
  • Master
      • MEd in Curriculum & Instruction – Leadership
      • M.Ed. in Curriculum and Instruction – Online Teaching and Learning
      • M.Ed. in Curriculum and Instruction – STEAM (Science, Technology, Engineering, Art, and Math)
      • MEd in Curriculum & Instruction – Methods & Curriculum
      • M.Ed in Curriculum & Instruction – Common Core State Standards
      • M.Ed. in Curriculum and Instruction – Early Childhood Education

Get Started with Concordia University Portland

8 Full Sail University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Full Sail University

9 American InterContinental University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with American InterContinental University

10 South University

School locations:

Get Started with South University

10 Popular Schools

The listings below may include sponsored content but are popular choices among our users.

  • Doctor of Business Administration – Management
  • Doctor of Nursing Practice (DNP)
  • EdD in Organizational Leadership – Health Care Administration
  • EdD in Organizational Leadership – Special Education
  • Ph.D. in General Psychology – Cognition and Instruction
  • Ph.D. in General Psychology – Industrial and Organizational Psychology
  • M.S. Psychology with an Emphasis in Gerontology
  • M.S. in Psychology with an Emphasis in Human Factors
  • MA in Curriculum and Instruction
  • MS in Criminal Justice: Legal Studies
  • MS in Psychology: General Psychology
  • M.B.A. with an Emphasis in Project Management
  • Bachelor of Science in Business for Secondary Education
  • BS in Applied Management
  • BS in Psychology
  • B.S. in Psychology with an Emphasis in Performance and Sports Psychology
  • Bachelor of Science in Elementary Education
  • BS in Accounting
  • Graduate Certificate of Completion in GeroPsychology
  • Graduate Certificate of Completion in Industrial and Organizational Psychology
  • Graduate Certificate of Completion in Forensic Psychology
  • Graduate Certificate of Completion in Health Psychology
  • Graduate Certificate of Completion in Human Factors Psychology
  • Graduate Certificate of Completion in Life Coaching
  • View more

  • Lemon Law PA, NJ, NY, MD – Free Help #california #lemon #law #lawyers


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    Lemon Law Help for Consumers

    What is the Lemon Law ?

    The Lemon Law is a statute which provides recourse for consumers whose vehicles are back in the shop for repetitive repairs addressing the same issue, or an extended period of time for any number of issues. The parameters of the law are defined by each individual state.

    Lemon Laws – Giving You the Protection You Need

    When you buy a car, truck, or motorcycle with a manufacturer’s warranty, you expect problems to be fixed efficiently and effectively. If your vehicle is in the shop for repetitive repairs or an extended period of time, turn to the lawyers at Kimmel Silverman to help you get back on the road to recovery.

    When your vehicle has any of the following issues:

    Or any other problem that affects its use, value, or safety, you could be covered by your state’s Lemon Law or Federal Warranty Laws. Potential outcomes could include:

    • A full refund including taxes, tags, and finance charges.
    • A brand new replacement vehicle.
    • Significant monetary compensation to reflect the diminished value of your vehicle as a result of the problem, plus continued ownership of the car.

    DRIVING A LEMON? MAKE THE CALL TO 1 800 LEMON LAW (1 800 536 6652) !

    Over 25 Years Experience. More than 80,000 drivers helped. No cost to you.

    Since opening our first office in 1991, the Lemon Law firm of Kimmel and Silverman has provided 100% cost-free legal representation to tens of thousands of drivers throughout Pennsylvania. New Jersey. New York. Maryland. and the Northeast. We have successfully fought against every automobile manufacturer regarding almost every car problem imaginable. Get Free Help Today !

    Not sure if your car, truck, or motorcycle is a lemon? Find out in seconds using our Lemon Checker .

    Find Out How You’re Protected by Lemon Laws in Your State

    Lemon Laws vary from state to state. Click on your state below to see how you’re protected.

    Are you having problems with a used car?

    You could be entitled to significant monetary compensation – plus you get to keep the car!

    If your used car is covered under a manufacturer’s warranty (original, extended, or powertrain) and you’ve been back to the shop for repetitive repairs, you still have rights under a Federal Law called the Magnuson-Moss Warranty Act. Representation under the Magnuson-Moss Warranty Act is 100% cost-free. You could be looking at significant monetary compensation to reflect the diminished value of the car, plus your warranty remains in effect and the car is NOT branded in any way. Click here to start a claim .

    If You’re Driving a Lemon Car in the Northeast, Our Lemon Law Attorneys Are Here to Help.

    If you think you’re driving a lemon, we’re here to help. Fill out our “Get Rid of Your Lemon” form, or call us toll-free at 1-800-536-6652. We’ll look into your case free of charge and let you know if and how we can do. Fill in our claim form now .

    • There is absolutely no legal cost to you, ever. The manufacturer (warrantor) is responsible for all legal fees, costs, compensation, and recovery if we prevail. If we do not prevail, you owe us nothing. There is no cost and no risk.
    • Most claims are resolved in a timely manner, many within a matter of months .
    • You could get significant compensation to reflect the reduced value of your vehicle as a result of the problem. In many cases, you could even get a FULL REFUND or REPLACEMENT VEHICLE.
    • You get to drive your vehicle throughout the duration of your claim .
    • You could have a claim whether you leased or purchased your vehicle and whether it was new or used (as long as repairs fall under an original, extended, or powertrain manufacturer’s warranty.)
    • Even if you’re not covered by your state’s lemon law, you could still be protected. The Magnuson-Moss Warranty Act is the grandfather of the Lemon Law and provides additional protection to those who may not fall under State Lemon Law parameters.

    Why Use 1-800-LEMON-LAW ?

    With seven full-service legal offices; 11 experienced attorneys; three ASE-certified automotive experts; and a support staff of over 30 paralegals, clerks, and administrators, we’ve got the resources, experience, and expertise to get you the best outcome for your claim.

    We’re proud to say our efforts as an award-winning, nationally recognized Lemon Law firm have been featured in hundreds of media outlets. These include the New York Times, Kiplinger’s Personal Finance, Consumer Reports, Good Morning America, Nightline, and the CBS Early Show.

    We also work with the federal and state governments to strengthen consumer legislation and received a Meritorious Recognition award as part of the 2002 Louis M. Brown Award for Legal Access Competition. presented by the American Bar Association’s Standing Committee on Delivery of Legal Services.

    • Lemon Dodger Worksheet – Buying a used car? Avoid problems BEFORE they occur.
    • Dealing With Service Advisors – What you need to know when you bring your vehicle in for repair.
    • Know Your Rights – How well do you know your Lemon Law Rights?
    • 2017 Car Complaint Index – Which cars receive the most complaints per sale?
    • Vehicles With Known Problems – Search for lemon cars by manufacturer.
    • Client Testimonials – “I was delightfully surprised at the ease of the entire process.”
    • Beware of “Spot Delivery” – Read this if your dealer threatened to repossess your new car because they could not obtain financing.

    2016 Volkswagen Passat. EPC light x4. Replacement vehicle under NY Lemon Law.

    2015 Nissan Rogue in 4x for antifreeze problem. Brand New Car.

    2016 Nissan Pathfinder. Traction control light x3. Full repurchase under PA Lemon Law.

    2015 Audi Q5 in 7x for check engine light. Complete repurchase under PA Lemon Law.

    2016 Volkswagen Golf CTI with mildew from vents. Full repurchase under NJ Lemon Law.

    2014 BMW M5 with suspension problem. $14,500 plus attorney fees and client keeps car.

    2016 Volvo XC90 with voice control problems x4. $7,500 plus attorney fees and client keeps the car.

    2015 Mazda CX9 in 4x for engine problems. $7,000 plus attorney fees and client keeps car.

    2015 Mitsubishi Outlander Sport with rear strut problem. Brand New Car under PA Lemon Law.

    2016 Hyundai Tucson with transmission overheating (originally blamed on design). Full repurchase under New York Lemon Law.


    Phd programs in southern california #phd #programs #in #southern #california


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    Welcome to USC Graduate Admission

    Welcome to Graduate Admission at the University of Southern California, one of the world’s leading private research universities. USC is home to over 24,000 top-caliber graduate and professional students —more than half the entire USC student population— who represent all 50 states and 135 countries around the world. We are proud to host one of the largest numbers of international students in the United States. We offer over 400 highly regarded graduate and professional programs in our liberal arts college and 18 professional schools. We encourage you to review our website to learn more about the graduate student experience at USC and to discover which of our academic programs is best suited for your interests.


    California Nursing Schools, Programs, and Careers #list #of #nursing #schools #in #california


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    California

    The Redding, California, metropolitan area is home to 60 nurse practitioners (NPs), 1,740 registered nurses (RNs), 350 licensed vocational nurses (LVNs), and 550 certified nursing assistants (CNAs). Many of these nursing professionals earned their degree or certificate at a local college or university. Redding has several high-quality nursing schools, including Simpson University, Shasta College, and Institute of Technology (IOT). Collectively, these schools offer programs for a wide breadth of nursing career paths.

    Nursing is the nation’s largest healthcare profession. With more than 450,000 nursing professionals across all roles, California is home to more nurses than any other state. In Pomona, California, you will find hundreds of nurses working at dozens of hospitals in or near the city. Some of the largest local healthcare providers are Pomona Valley Hospital Medical Center, Casa Colina, Glendora Community Hospital, and Kindred Hospital San Gabriel.

    Did you know that the largest profession in California is nursing, not entertainment? It’s true! According to the Bureau of Labor Statistics, California is home to more than 450,000 nurse practitioners (NPs), registered nurses (RNs), licensed vocational nurses (LVNs), and certified nursing assistants (CNAs). In Pasadena, many of these healthcare professionals earned their degree or certificate at a top local college such as Integrity College of Health, North-West College, or Pasadena City College.

    With more than 450,000 nursing professionals, California has the largest population of nurses in the United States. They are among the highest-paid professionals in the healthcare industry, with advanced nursing roles commanding $180,000 or more per year. Compensation for Lancaster-based nurses is particularly impressive. For example, the city’s certified registered nurse anesthetists (CRNAs) earn an average annual salary of $183,470, while its nurse practitioners (NPs) take home $122,120 per year.

    Healthcare and social assistance is the largest industry in Glendale, California. Several of the largest roles within the healthcare sector are nurse practitioner (NP), registered nurse (RN), licensed vocational nurse (LVN), and certified nursing assistant (CNA). The state of California proscribes a specific training and licensure pathway for each nursing role.

    California is home to more nurses than any other state in the union. They work in a broad range of healthcare roles, from certified nursing assistant / aide (CNA) to nurse practitioner (NP). Though all nursing roles are represented in California, registered nurses (RNs) make up the largest population of healthcare professionals in the state. More than 250,000 RNs are employed here and they earn top dollar, with an average annual salary of $101,260. The state’s second-largest group of healthcare professionals is CNAs.

    Nursing is the largest profession in California. The state is home to more than 430,000 nurses who fill a broad range of healthcare and medical roles. The three most common nursing roles, both in the state of California and the city of Fontana, are registered nurse (RN), licensed vocational nurse (LVN), and certified nursing assistant (CNA).

    Nursing is the largest profession in California. The state is home to more than 430,000 certified registered nurse anesthetists (CRNAs), nurse practitioners (NPs), registered nurses (RNs), licensed vocational nurses (LVNs), and certified nursing assistants (CNAs). In Costa Mesa, many of these healthcare professionals earned their degree at a local college or university, such as Vanguard University, Pacific College, or University of Phoenix’s Southern California campus. Collectively, these schools offer programs for a broad spectrum of nursing roles.

    A successful nursing career in Concord, California, begins with a degree, diploma, or certificate from an accredited nursing school. Fortunately, the city of nearly 125,000 residents is home to several schools with highly regarded nursing programs. For example, Gurnick Academy of Medical Arts offers a licensed vocational nursing (LVN) diploma program and a bachelor of science in nursing (BSN) degree completion program. Mount Diablo Adult Education has a certified nursing assistant (CNA) / home health aide (HHA) certificate program.

    Chico, California, is home to 2,230 registered nurses (RNs), 490 licensed vocational nurses (LVNs), and 920 certified nursing assistants (CNAs). Each nursing role requires a tailored educational program. RNs typically hold an associate’s degree in nursing (ADN), a bachelor of science in nursing (BSN), and/or a master of science in nursing (MSN). LVNs must complete an accredited, state-approved certificate or associate’s degree program in vocational nursing. CNAs must finish a brief training program of approximately 100 hours before certification.


    Mortgages & Home Loans – Refinance & Interest Rate Calculators, refinance rates in california.#Refinance #rates


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    CHECK MORTGAGE RATES

    MORTGAGE NEWS

    American homeowners are tapping their home equity again, with the cash-out share of refinances rising to its highest rate since 2008, according to data from Bla.

    Mortgage Calculator

    Find out your estimated monthly payment.

    Refinance Calculator

    Should you refinance your mortgage? Figure your monthly savings. Compare your principal balance in years with and without refinancing.

    Loan Calculator

    Is home ownership the right path for you? Analyze the total cost to rent versus the total cost to own for a specific period of time.

    Mortgage Payment Calculator

    Tool to help home buyers estimate the cost of monthly mortgage payments.

    SEARCH RATES

    Mortgage 101 Daily Rate Averages are collected for standard mortgage programs from over 700 companies in 50 states and the Disctrict of Columbia.

    More Rates

    MORTGAGE ARTICLES

    Applying for a Mortgage after a Bankruptcy

    By understanding the requirements to get a mortgage after a bankruptcy and by carefully rebuilding your credit standing, you can apply for a loan and buy a home.

    What Are Typical Mortgage Down Payments?

    Traditional mortgage down payments have always been 10 to 25 percent of the total purchase price of the property.

    3 Common Short Sale Mistakes

    A real estate short sale can be a win-win situation for everyone involved, but there are common short sale mistakes to avoid if you want to close the deal.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    Refinance rates in california


    T and T Sweeping Port O Let Service Southern MD Street Sweeping Portable Toilets Comfort


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    Sweeping & Portable Toilets

    T T proudly serves the following areas in St Marys, Charles, and Calvert counties, MD. Bryans Road, Bryantown, Indian Head, Saint Charles, La Plata, Cobb Island, Hughesville, Waldorf, Charlotte Hall, White Plains, California, Great Mills, Hollywood, Leonardtown, Lexington Park, Mechanicsville, St Marys City, Chesapeake Beach, Dowell, Dunkirk, Lusby, North Beach, Owings, Prince Frederick, Port Republic, Solomons, St. Leonard, Sunderland 20601, 20602, 20603, 20604, 20653, 20646, 20688 20695, 20615, 20732, 20629, 20754, 20639, 20657, 20714, 20736, 20678, 20676, 20688, 20685, 20610, 20689

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    Animator – Career Profile #animator,employment #trends,salary #trends,types #of #jobs,california #animation #schools,education/training #requirements,careers #in #animation


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    Animator – Career Profile

    What does an Animator do? Where does an Animator work? ACR takes a look:

    Animators create animation and visual effects for films, video games, television, mobile devices, and other forms of media using illustrations and software programs. Adobe After Effects, Adobe Premiere, Autodesk3ds Max, and Autodesk Maya are just a few leading software programs for animators. Animators also create graphics and develop storyboards, drawings and illustrations. They create, plan, and script animated narrative sequences, and assist with background design and production coordination.

    The Bureau of Labor Statistics combines multimedia artists and animators into one career group. According to the Bureau, “multimedia artists and animators often work in a specific medium. Some focus on creating animated movies or video games. Others create visual effects for movies and television shows. Creating computer-generated images (CGI) may include taking images of an actor’s movements, which are then animated into three-dimensional characters. Other animators design scenery or backgrounds for locations.”

    The Bureau reports that multimedia artists and animators work primarily in the following industries:

    • Motion Picture and Video Industries
    • Computer Systems Design and Related Services
    • Software Publishers
    • Advertising, Public Relations, and Related Services
    • Specialized Design Services

    The Bureau also mentions that a staggering 57 percent of animators were self-employed in 2012. This is the most current figure for self-employed animators. These professionals, not just the self-employed, often work from home. Others work at film, animation or video game production studios, cartoon networks, advertising agencies, web design firms, graphic design firms, and mobile technology companies. Some work in office settings.

    Programs to Consider:

    At the end of 2014, the median annual wage for multimedia artists and animators was $61,370 per year. The lowest paid multimedia artists and animators earned less than $34,860. The highest paid earned $113,470 per year. At $72,680, multimedia artists and animators working in the motion picture and video industries earned the highest median annual wage of the top five industries for this profession.

    It is important to keep in mind that salaries for multimedia artist and animators may vary by experience, type and size of company, and even geographic location. For example, California-based multimedia artists and animators average $88,150 per year—the nation’s highest average salary for this profession, while Arkansas-based artists average $40,890—one of the lowest.

    The top five highest paying states for multimedia artists and animators were California ($88,150 per year), Washington State ($76,900), District of Columbia ($76,110), New York ($72,530), and New Mexico ($70,310).

    Becoming an Animator

    There are so many paths to becoming an animator today you’ll lose count. Just a few options include a Bachelor of Art (BA), Bachelor of Science (BS) and/or a Bachelor of Fine Art (BFA) in Animation, Animation Digital Arts, Media Arts Animation, Computer Animation, Computer Graphics, Media Arts Science, Fine Art, and even Computer Science (with an Emphasis in Animation). Courses common to these degree paths and other related programs include Drawing, 2-D Animation Production, 3-D Animation Production, and Stop Motion. Animators also study anatomy to study how animals and humans move in order to make character movements more realistic.

    In addition to a 4-year degree, many employers look for at least two years’ experience in the industry, and advanced technology skills. Entry-level positions may require only a degree and experience through an internship or other support position. Senior level positions may require at least five to seven years’ professional experience in the industry and possibly an advanced degree. In fact, more schools than ever before now offer Master of Fine Arts (MFA) degrees in Animation, Animation Visual Effects, Animation Digital Arts, and more. Some schools in the U.S. (and many in Europe and Asia) even offer PhD programs in Digital Arts Animation, Multimedia Animation, Computer Science with an Animation Emphasis and more.

    Job Trends for Animators

    Employment for this group is expected to grow six percent from 2012 to 2022. Projected employment growth for animators and multimedia artists will be the result of increased demand for animation and more realistic visual effects in video games, films, and television. However, job growth may be slowed by companies hiring artists and animators who work overseas for lower wages. The increasing demand for computer graphics for mobile devices may counter slow growth by creating more job opportunities in the massive mobile industry.

    Despite slow job growth, competition for job opportunities in animation will remain strong. The Bureau says, “Opportunities should be best for those who have a wide range of skills or who specialize in a highly specific type of animation or effect.” Still, in 2014, the U.S. was home to an impressive population of 68,900 multimedia artists and animators, making it the third largest career field in the world of Art and Design. At 259,500, graphic designers represent the largest group.

    Job opportunities for animators and multimedia artists can be found all over the U.S. However, five states have the highest employment levels. California has the highest, followed by New York, Washington, Texas, and Illinois.

    Awesome Animation Fact. Animation has been around for a lot longer than you think. According to Computer Science for Fun (published by Queen Mary, University of London), a 5,200-year old bowl found in Iran features an early precursor of animation. Along the bowl’s side are five drawings that, when viewed in a sequence, depict a wild goat leaping up to eat leaves off a tree.

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    Best Cheap Car Insurance in California for 2017 #car #insurance #southern #california


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    Best Cheap Car Insurance in California for 2017

    If you’re looking for cheap car insurance in California, getting the best deal may require some patience. Rates can vary from one company to the next, so it pays to compare as many estimates as possible.

    To make things easier, NerdWallet has done the heavy lifting for you. We researched rates from the 11 largest insurers in the Golden State and found the cheapest options for several common driver types.

    Included in this page are the cheapest rates for:

    ALSO IN THIS ARTICLE

    Cheapest for good drivers

    For drivers with no at-fault accidents, DUIs or moving violations.

    NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

    price

    Geico returned the cheapest rates for this group in our test, at roughly $99 a month, followed by Esurance and 21st Century.

    Good drivers typically have discounts available that reward their safety behind the wheel. Look to keep costs down by scoring perks for claims-free driving.

    Cheapest for young drivers

    For drivers in their early 20s.

    NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

    Price

    » MORE:California home insurance 2017: Rates, complaints and earthquakes

    METHODOLOGY

    For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with 100/300/50 liability insurance limits, 100/300 uninsured motorist bodily injury coverage limits, and collision and comprehensive coverages each with a $1,000 deductible.

    We used a 2013 Toyota Camry in all cases.Our sample retired driver was 67 and drove 50% fewer annual miles than other groups, as did our sample low-mileage driver. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

    Find the cheapest car insurance for you

    See the cheapest insurers for you based on rates from large insurers in your state.

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