Texas Online College Courses and Schools #cheap #online #courses #for #college #credit


College Courses and Schools
You can easily find a good online school from which to enroll in a single course or even pursue a degree. Online education has gained popularity with employers and increasing numbers of Texas students are enrolling every day.

The schools listed on this page represent some of the best institutions available in Texas today. The top section of schools offer online programs, and the second group has many of the important local campus colleges and universities in the state.

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Rhode Island Department of Business Regulation: Division of Insurance Regulation #dbr, #business, #businesses, #business #regulation, #charities, #insurance, #banking, #accountancy, #credit #unions, #licensing, #commercial #licensing, #commercial #licenses, #licenses, #license, #alarms, #auto #body, #auto #glass, #auto #body #salvage #rebuilder, #auto #wrecking #and #salvage, #auctioneer, #gasoline, #health #clubs, #liquor #enforcement, #liquor, #mobile #homes, #mobile #home #parks, #manufactured #homes, #real #estate, #travel #agencies, #travel #agent, #unit #pricing, #bedding # # #upholstery, #insurance #regulation, #insurance, #auto #insurance, #health #insurance, #life #insurance, #accident #insurance, #property #and #casualty #insurance, #racing #and #athletics, #racing, #greyhound #racing, #jai #alai, #professional #boxing, #boxing, #wrestling, #professional #wrestling, #securities #regulation, #securities, #franchising #


State of Rhode Island: Department of Business Regulation

Contact Insurance

Division of Insurance Regulation: Consumers

General Information

  • Consumer Alerts
  • InsureU – a Public Education Program to Assist Consumers with Information about Insurance Issues
  • The VA’s Insurance Team – Insurance information specifically for active Servicemembers, Veterans, and their families
  • Consumer Information Source (CIS) – Information about insurance companies consumers can use BEFORE purchasing insurance
  • Access to Public Records Form
  • Office of Health Insurance Commissioner
  • Licensed and Approved Insurance Companies
  • Financial Information – Rhode Island Domestic Insurance Companies
  • For Information on Service of Process
      • Domestic Companies
      • Insurance Regulation 114 – Service of Process Upon Insurance Companies

  • Industry Alerts
  • Insurance Bulletins
  • Insurance Enforcement Actions
  • Insurance Regulations

Automobile Insurance

  • Consumers Guide to Auto Insurance
  • Uninsured Motorists:
    If you are involved in an accident with an uninsured motorist, please contact the Financial Responsibility Unit at the Division of Motor Vehicles at 401-462-5709.
  • Market of Last Resort – If you are unable to secure automobile insurance coverage through the voluntary market, please contact the RI Automobile Insurance Plan at 401-946-2600 for assistance.
  • Fraud Reporting: To report suspected automobile insurance fraud, please contact the RI Auto Theft and Fraud Unit at 401-444-1155.

Homeowners Insurance

  • Consumers Guide to Homeowners Insurance
  • Disaster Preparedness Tips and Consumer Alerts for Homeowners and Renters
  • Home Inventory Checklist
  • State of RI Emergency Management Agency (Disaster Assistance, Flood Insurance and Prepare Now!)
  • For questions on applying for federal assistance and aide contact: Federal Emergency Management Agency (FEMA)
    at 800-621-3362 or to apply for disaster assistance online at www.fema.gov
  • For questions on obtaining flood insurance, what to do before, during and/or after flooding, or to report flood claims (for property owners who purchased a flood policy) contact: National Flood Insurance Program
    (NFIP) at 800-638-6620; www.floodsmart.gov
  • United Way: 2-1-1: For Disaster or Emergency Service Information
  • Market of Last Resort – If you are unable to secure property insurance coverage through the voluntary market, please contact the RI Joint Reinsurance Association at 800-851-8978 for assistance.
  • Lead Liability – For questions on mitigation of properties in accordance with the Lead Hazard Mitigation Act, please contact the RI Housing Resource Commission at 800-570-0768 or http://www.hrc.ri.gov/index.php
  • Fraud Reporting: To report suspected arson, please contact the RI State Fire Marshall at 401-462-4200.

Long Term Care Insurance

Life Insurance and Annuities

  • Deferred Annuities Buyers Guide
  • Life Insurance Consumers Guide
  • NAIC Life Insurance Policy Locator Service – Helping connect consumers to life insurance policies they didn’t know their deceased family members had.

Medical Malpractice

  • Market of Last Resort – If you are unable to secure medical malpractice insurance coverage through the voluntary market, please contact the Medical Malpractice Joint Underwriting Association of RI at 401-369-8245 for assistance.

Workers Compensation Insurance

Health Insurance

Please also see the website of the Office of the Health Insurance Commissioner (OHIC) at

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How your Experian Credit Report Score can help you

Your Experian Credit Score is a straight forward way of showing how lenders may view you, based on information in your Experian Credit Report. The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each. Your Experian Credit Report allows you to see the information lenders use when carrying out a credit check.

If you have a low score or there is room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score.

To find out your options for viewing your Experian Credit Score or Experian Credit Report, see which product is right for you.

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*A monthly fee of ВЈ14.99 applies after your free trial. You may cancel during your 30-day free trial without charge. New customers only. Free trial period starts on registration – further ID verification may be required to access full service which may take up to 5 days.

Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to. Information about the commission we receive from brokers for mortgages and secured loans can be found in our help section.

Eligibility Ratings are available for credit cards and personal loans only.

**Car finance: Your car may be required as security and you could lose your vehicle if you don’t keep up with repayments.

‡‘Most trusted’ based on 61% of 1057 respondents, ICM Unlimited survey June 2017.

CreditMatcher and CreditExpert are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not FCA regulated activity.

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Estimated loan offers for $5,000

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An unsecured personal loan can be a great tool to consolidate your debts and get a fixed monthly payment at a lower rate. But interest rates and other terms can vary greatly based on your credit score and other factors. Read more about the pros and cons below.

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A personal loan is an installment loan that is not backed by collateral such as a house or car. It differs from a mortgage or car loan in that the lender cannot directly seize your assets if you fail to pay back the loan. Your credit score still will be damaged if you default, though.

What lenders are looking for. Any reputable lender will check your credit history and ask about your income and debt when deciding whether to offer you a loan. Your credit history directly affects the interest rate you are offered, and so does your ability to repay the loan. Rates do vary from lender to lender, but here is what interest rates on personal loans look like, on average:

Average Personal Loan Rates

How’s Your Credit?

Source: 2016 NerdWallet survey of lenders

Someone with poor or average credit may be able to get an unsecured personal loan on the strength of a steady income and low debt levels. Someone with excellent credit and a low debt-to-income ratio may be offered interest rates as low as those seen on secured loans.

Almost all lenders will require you to be 18 or older and a legal U.S. resident, with a verifiable bank account and not in bankruptcy or foreclosure.

What about lenders that don’t check your credit? Some lenders have no minimum credit score requirements, but that does not mean they don’t check your credit report. They do.

You may have seen lenders that offer loans with no credit check at all, but they will charge interest rates of 300% or more, as will a payday lender.

Only a few lenders will approve a loan for borrowers with poor credit scores. Expect rates toward the higher end of the range — that is, up to 36% — if your credit is damaged. If you can’t qualify for a loan through a reputable lender, don’t head for a payday lender. Consider these options first .

Pros of personal loans

Consolidation for your credit cards and other debts. A personal loan can be used to consolidate high-interest credit card debt into one payment at a lower interest rate and accelerate debt payoff.

Improved credit score. You may improve your credit score by moving revolving credit card debt to an installment loan, because you lower your credit utilization ratio and diversify your types of debt.

Cons of personal loans

Higher interest rates than secured loans and (some) credit cards. If you have excellent credit and can pay off the debt in 12 to 18 months, you can likely get a credit card that has 0% interest on balance transfers for a year or longer. Alternatively, if you are a homeowner, home equity loans often have lower interest rates than personal loans. But be cautious; you’re risking your house by putting it up as collateral.

Extended application process. The approval process for a loan can last a few days and may require more information than that needed to get a credit card.

Is a personal loan right for you?

Personal loans work best as part of a longer-term plan to improve your finances.

Borrow to consolidate debt if it means you’ll get out of debt more quickly. Borrow for a wedding or a vacation if you are confident you can make the payments.

But don’t borrow to put off the inevitable. If you aim to become debt-free. create a plan to do so. If you can’t handle your current debt, investigate your debt-relief options .

Once you decide a personal loan is a good choice for you, calculate payments at a range of interest rates and amounts so you’ll have an idea of what to expect as you shop.

If you have good credit and an existing banking relationship, it’s worth checking out the offerings from your current provider or local credit union.

The lenders who partner with NerdWallet follow Consumer Financial Protection Bureau standards for installment lending, with interest rates no higher than 36% (widely considered the upper limit of affordability) and consideration of your credit history and ability to repay. NerdWallet has reviewed their application processes and verified their underwriting guidelines.

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WorldPay Credit Card Processing

When using credit cards, the retail discount rate is 1.99 percent, which is worse than average for credit card processors. The fixed fee per credit card transaction is $0 USD, which is among the best. making this merchant’s services more attractive.

Credit card processors typically charge a monthly account fee for general and administrative services associated with their product. The monthly account fee for WorldPay is $9.95 USD, which is about standard.

Credit Card Fees

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Debit Card Fees

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Mobile Details

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Monthly Fees

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Credio is a finance site that uses Graphiq’s semantic technology to deliver deep insights via data-driven articles, visualizations and research tools.

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“The assistance of counsel is one of the safeguards of the
Sixth Amendment deemed necessary to insure fundamental
rights of life and liberty”

Justice Hugo Black, United States Supreme Court

NMCDLA is the single most important organization for any legal professional involved in the defense of the accused in the New Mexico Criminal Justice system. By working together, we insure that we’re never left to stand alone against the forces of government. We are a voluntary professional association of public and private criminal defense lawyers, law students. legal assistants and other criminal defense team members who stand together in their commitment to safeguard the constitutional guarantees of fairness in the criminal justice process. With more than 500 members in New Mexico, NMCDLA is affiliated with the National Association of Criminal Defense Lawyers based in Washington, D.C. which represents over 13,000 direct members and another 35,000 members in its state and local affiliates.

NMCDLA makes its voice heard in the courts, the legislature and the community for fair and effective criminal justice for all of our citizens. It provides support to its members in the representation of their individual clients, stands by its members who find themselves unfairly under attack for fulfilling their obligations as counsel for the accused, and provides continuing legal education programs to enhance the legal skills of its members. NMCDLA maintains constant communication within the New Mexico defense community through newsletters and an internet listserve network. It provides a range of opportunities for its members to be involved in the work, whether on the board of directors, as officers, as members of numerous working committees, or other service options.

Mission Statement: The New Mexico Criminal Defense Lawyers Association provides support, education and training for attorneys who represent persons accused of crime. NMCDLA also advocates fair and effective criminal justice in the courts, the legislature and in the community.

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3 Ways to Improve Your Credit Score in Less Than 5 Minutes

If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it’s best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you can do to raise your credit score sooner.

Pay off your credit card balance

This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio. This ratio compares your overall credit limit with the amount of credit you are currently using. Say you have an overall $10,000 credit limit and are carrying a balance of $5,000 total across your credit cards, then your credit utilization ratio would be 50 percent. Most credit experts advice to keep your credit utilization ratio below 30 percent, but if you can get it to zero, it will help dramatically raise your credit score.

If you can’t pay off your entire balance, even paying off a little can help. The lower your credit utilization ratio, the more available credit you have and the better you look to outside lenders. Even paying of 10 or 20 percent of your overall balance can help.

Get a new credit card

Taking out more credit may seem counter-intuitive, but adding to your overall credit limit will raise your credit utilization ratio. Here are the two ways that getting a new credit card can help raise your credit score:

Increase your credit limit: A new credit card will increase your overall credit limit, which in turn lowers your credit utilization ratio. The more credit that lenders approve you for, the more trustworthy you seem to other lenders. As a bonus, look for a credit card that has some great perks like cash back incentives, so you can earn money while you use it. Here is a good list of the best cards with great perks.

Transfer your balance: If you are carrying a balance on your credit cards, you can kill two birds with one stone. If you transfer your balance to a new balance transfer credit card, you can increase your overall credit limit while also being able to pay down your credit card balance. Even better, find a credit card that offers a 0% intro APR for up to 14 months so you will have time to pay down your balance without being charged extra interest on it. These are some good all-around credit cards with a 0% intro APR for balance transfers.

Fix errors on your credit report

If you have errors on your credit report, fixing them is an easy way to raise your credit score. Errors can include a credit lender reporting false late payments, accounts that reportedly went to collections even though you paid, or even accounts opened in your name without your knowledge.

First, you need to pull your credit report see if you have any errors. The government allows each person one free credit report each year from each of the three credit bureaus (Equifax, TransUnion and Experian). You can get these reports from annualcreditreport.com. Look over each credit report for any errors. Each credit bureau’s website includes instructions on how to file the paperwork to get an error fixed.

If you don’t want to go through the effort of fixing errors yourself, you can also hire a credit repair company to send fix requests on your behalf. Keep in mind that credit repair companies might try to convince you to try other ways to fix your credit, but you are paying by the month, so make sure they are focusing on your errors. Here are the two best credit repair companies compared side by side .

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