Grants for Cosmetology and Beauty School #cosmetology #school #cleveland #ohio


Cosmetology Grants

Free Money Always Looks Good

There are as many different types of college grant programs, as there are college students. There are need-based grants and merit-based grants; career specific grants and student specific grants. The opportunities for finding the necessary funds for college are only limited to the determination, and the imagination, of the college-bound student.

For students interested in pursuing cosmetology as a career, there are a variety of grant programs that can help meet the rising costs of tuition in both community colleges and vocational schools. Often, cosmetology students can find grants that are specifically dedicated to their chosen career path. The trick is in knowing where to look.

Career Opportunities

Cosmetology continues to attract students as a career opportunity. While it is a competitive field, it is also a profession in which the self motivating, hard working, individual can carve out a lucrative career. The abundance of hair salons, beauty salons and day spas attest to the vitality of the profession as a career choice. But as with any professional career, significant schooling and training is necessary. Most states require cosmetologists to be certified, and the way to that certification is through college or vocational school.

Students pursuing cosmetology as a career path will find that there are many grant programs in place to help them achieve their goals. Grants are available from a variety of sources, including the Federal and state governments, colleges and vocational schools and professional associations.

Federal and State Government Grants

All students looking for grant money to help defray the costs of their college tuition should begin by looking into any government programs for which they may be eligible. The Federal government provides a number of financial aid opportunities for students pursuing a college education, including low-interest loans and grants. Cosmetology students may be interested in the two following government grant programs:

  • The Federal Pell Grant This is the most popular of all government financial aid programs. The Pell grant is designed to help low income students afford the costs of a college education. The grant is open to all college-bound students who meet the minimum income requirements. Final award amounts are based on financial need, total cost of attendance and full or part time enrollment status. The maximum award amount is $5,500
  • The Federal Supplemental Educational Opportunity Grant The FSEOG is available to low income undergraduate students who have qualified for the Federal Pell grant, but still have an excess of unmet need. Award amounts range from $100 to $4000, depending on the student s financial need and the availability of funds. The FSEOG is strictly first come first served, so it is important to apply early.

In addition to the Federal grant programs, many state and local governments offer grant opportunities for students looking to attend college or trade school as a pathway to a career. Each state will have different financial aid programs, and students are encouraged to visit the dedicated website of their state s Department of Education for specific details. Some examples of the types of programs that may be available from your state include:

  • The Oregon Opportunity Grant Sponsored by the Oregon Student Access Commission. this grant is designed for low income students attending college for career training. Applicants must be residents of Oregon state.
  • The Iowa Barber and Cosmetology Arts and Sciences Tuition Grant Supported by the Iowa College Student Aid Commission. this grant is available to student residents of Iowa who are pursuing a degree in cosmetology at an accredited state college or vocational school. Maximum award amount is $1200 per academic year.

Students applying for any Federal or state-based grants must first fill out and submit the Free Application for Federal Student Aid. or FAFSA, before being considered eligible for any award money.

School Supported Grants

Many cosmetology schools sponsor a variety of grant programs for students who may otherwise not be able to afford their tuition costs. Programs supported by beauty colleges and vocational schools are generally need-based, though grant awards may also be decided by academic achievement. Some of the more notable cosmetology schools that offer financial aid programs for their students include:

  • The Avalon School of Cosmetology has a dedicated in-house financial aid department that helps match students to applicable grants and scholarships. Prospective students are encouraged to contact Avalon s financial aid department directly through their website.
  • Empire Beauty Schools have campuses in 21 states. Empire s financial aid department helps students apply for both Federally funded and privately supported grants. Empire Beauty Schools are also partners in the American Cosmetology Education Grant Program .
  • Walla Walla Community College in Washington state offers a variety of grants and scholarships through its Cosmetology department. Students have access to both Federal and school sponsored grant programs.

Grants from Professional Organizations

Businesses and professional associations often support grant programs as a way to encourage students to enter into certain professions. Cosmetology students can find a variety of grant programs being sponsored by corporations and businesses with close ties to the beauty industry. Likewise, associations of cosmetologists and beauty schools often provide funding to help deserving students find the resources they need to complete their education.

When looking for education grants dedicated to the study of cosmetology, students should consider programs that may be sponsored by national and international corporations, as well as as professional organizations allied with the beauty industry. The following examples will give cosmetology students an idea of the kind of programs that are available from the business community.

  • The Joe Francis Haircare Scholarship Foundation honors the memory of Joe Francis, a leader in the haircare industry. The foundation awards 19 $1000 grants and scholarships annually to cosmetology students who meet the required financial need.
  • The National Coalition of Estheticians sponsors a variety of grants and scholarships for students enrolled in partnering Cosmetology and Esthetic Schools.
  • The American Association of Cosmetology Schools is a prime resource for students interested in cosmetology as a career. AACS member schools offer a variety scholarships and grants, including the American Cosmetology Education Grant. and the Sports Clips Scholarship. AACS awards range from $500 to $1000 for eligible students.

Cosmetology can offer students a lucrative, and exciting, career. Certified cosmetologists can find themselves working in local beauty salons, day spas, and television and film production. A career in cosmetology begins with the proper education, and that education can begin when students take advantage of the grants and scholarships that are in place to help them realize their professional ambitions.

Criminal Law #criminal #defense #attorney #columbus #ohio


Criminal Law

You ve seen it time after time on primetime television police shows cops slapping the cuffs on a perp and reading him his rights: You have the right to remain silent. Anything you say can and

Many people believe that if they are arrested and not read their rights, they can escape punishment. Not true. But if the police fail to read a suspect his or her rights, the prosecutor can t use anything the suspect says as evidence against the suspect at trial.

A person s first thought upon landing in jail is often how to get out — and fast. The usual way to do this is to post bail . Bail is cash or a cash equivalent that an arrested person gives to a court to ensure that he will appear in court when ordered to do so. If the defendant appears in court at the proper time, the court refunds the bail. But if the defendant doesn t show up, the court keeps the bail and issues a warrant for the defendant s arrest.

Even the most well-intentioned prosecutors file charges against innocent suspects occasionally. Regardless of the reason charges were filed, innocent defendants want to know what they or preferably, their lawyers can do to avoid a conviction. So, other than going to trial, how can defendants avoid a guilty plea or verdict?

Defendants charged with crimes are almost always best served by obtaining a lawyer, for the reasons explained below.

As anyone who has ever contested a traffic ticket knows, courts frequently assume that whatever an officer says is the truth, even when witnesses refute the police s version of events.

The Fifth Amendment to the U.S. Constitution provides that no person shall “be subject for the same offence to be twice put in jeopardy of life or limb.”

Disorderly conduct (also called disturbing the peace in some states) is a crime that usually involves some kind of offensive or disruptive public activity. Criminal statutes in some states include public intoxication as one kind of behavior that can be considered disorderly conduct. In other states, public intoxication is a separate criminal offense, while the laws in other jurisdictions might include a crime called drunk and disorderly conduct. This article highlights disorderly conduct and public intoxication laws.

Manslaughter is an unlawful killing that doesn’t involve malice aforethought—intent to seriously harm or kill, or extreme, reckless disregard for life. The absence of malice aforethought means that manslaughter involves less moral blame than either first or second degree murder. (But plenty argue

A criminal record can create difficult downstream consequences whether you (or your child) was arrested or convicted (or both). For example, employers and landlords commonly ask job applicants and apartment seekers whether they have ever been convicted of (or perhaps even arrested for) a criminal offense.

A noncitizen of the U.S. whether an undocumented immigrant or a lawful permanent resident (a green card holder) needs to understand the immigration consequences of any crime that he or she faces

Talk to a Defense attorney

Al s Window Cleaning, window companies in cleveland ohio.#Window #companies #in #cleveland #ohio


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Window companies in cleveland ohio

Are you asking yourself “What should I be concerned with when looking for window cleaners”?

Al’s is a member of:

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  • Window companies in cleveland ohioResidential window cleaning
  • Commercial window cleaning from one to 60 stories
  • Residential Power Washings
  • Cleaning of building facades and exteriors – Power washing
  • Power scaffold and Atrium lift rental (Reachmaster Falcon and Denka lifts)
  • Year-round service
  • Warehouse cleaning, factor cleaning, Industrial cleaning, and dust abatement

The Al’s Difference

We understand and want to help you make an informed decision whether you are hiring a residential or a commercial window cleaning company.

How are the window cleaners hired? Are they drug tested, are their backgrounds checked? The stereotypes for window cleaners exist for a reason and you should know who is coming into your home or business.

Al’s Window Cleaning Proudly Serves the Following areas
Al’s Window Cleaning service area – Milwaukee branch

Milwaukee, Waukesha, Washington, Ozaukee, Racine, Kenosha Counties, and Northern Illinois; Bayside, Brookfield, Brown Deer, Butler, Cedarburg, Chenequa, Colgate, Delafield, Dousman, Elm Grove, Fox Point, Genesee, Germantown, Glendale, Grafton, Hartford, Hartland, Hubertus, Jackson, Lake County, Lisbon, Menomonee Falls, Mequon, Merton, Milwaukee, Nashotah, New Berlin, North lake, Oconomowoc, Okauchee, Pewaukee, Port Washington, Richfield, River Hills, Saukville, Shorewood, Slinger, Sussex, Thiensville, Wales, Waukesha, Wauwatosa, West Bend, Whitefish Bay, Waukegan Illinois, Northern Illinois, Libertyville, Zion, Wilmette, Gurnee, Grand Wood Park, Fox Lake Hills, Grays Lake, Lindenhurst, Spring Grove, Pistakee Islands, Richmond, Wonder Lake, Antioch, Rosecrans, Pikeville, Round Lake, Johnsburg, McHenry, Woodstock, Fond du lac, Oshkosh, Appleton, Fox Valley, DePere, Green Bay, Manitowoc, Sheboygan, Neenah, Menasha.

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Al’s Window Cleaning service area – Madison branch

Belleville, Black Earth, Blue Mounds, Cambridge, De Forest, Cross Plains, Dane, Cottage Grove, Deerfield, Fitchburg, Lake Windsor, Madison, Maple Bluff, Marshall, Mazomanie, Monona, Middleton, Mc Farland, Monona , Monona Grove, Morrisonville, Mount Horeb, Oregon, Shorewood Hills, Stoughton, Windsor, Verona, Waunakee, Westport, Sun Prairie, Wisconsin Dells, Portage, Beaver Dam, Wisconsin Rapids, Stevens Point, Wausau, Lake Delton, Janesville, Lake Geneva, Burlington, Watertown, Waterford, Beloit, Dousman, Delavan, Edgerton, Twin Lakes, Lake Mills, Columbus, Johnson’s Creek, Waterloo, Marshall, Rockford, Sullivan, Cambridge, Fort Atkinson,

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Al’s Window Cleaning service area – Columbus Oh, branch

Alexandria, Ashland, Ashville, Bellville, Bexley, Backlick, Bucyrus, Caldwell, Cambridge, Canal Winchester, Chillicothe, Circleville, Columbus, Crestline, Danville, Delaware, Dublin, Gahanna, Galena, Galion, Galloway, Granville, Grove City, Groveport, Heath, Hebron, Hilliard, Johnstown, Kenton, Lake View, Lancaster, Lewis Center, Locust grove, Logan, London, Mansfield, Marion, Marysville, Mount Sterling, Mount Vernon, New Albany, New Lexington, Newark, Obetz, Pataskala, Philo, Pickerington, Plain City, Powell, Reynoldsburg, Shelby, Sunbury, Upper Arlington, Valleyview, Waverly, West Liberty, Westerville, Whitehall, Worthington, Zanesville, Cincinnati, Cleveland, Dayton.

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WBNS-10TV Columbus, Ohio #ohio #columbus


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James Alex Fields Jr. is being held on suspicion of second-degree murder, malicious wounding and failure to stop in an accident that resulted in death.

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Ohio troopers investigating deadly single-car crash

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Ohio Man Injured In Charlottesville Won t Give Up

National News

Published: 08/13/17 03:38 pm EDT .

Updated: 08/13/17 09:50 pm EDT .

The young man accused of plowing a car into a crowd of people protesting a white supremacist rally was fascinated with Nazism and idolized Adolf Hitler. Read more


Published: 08/14/17 04:06 am EDT .

More clouds than sun on this Monday with a seasonable start to the week. Read more


Published: 08/08/17 01:29 pm EDT .

Updated: 08/14/17 05:39 am EDT .

Ohio Nursing License, Requirements in OH, ohio board of nursing continuing education requirements.#Ohio #board #of #nursing #continuing #education #requirements


Nursing License Requirements in Ohio: Becoming a Nurse in Ohio

The Ohio Board of Nursing licenses practical nurses and registered nurses ( The state currently has 189,095 RNs and LPNs, according to the database of the National Council of Boards of Nursing. The Ohio Board releases workforce surveys periodically with additional information about the state’s nurses; the most recent one was in 2011 ( The Center for Health Affairs NEONI predicts changes in supply and demand and is expanding beyond the Northeast part of the state (an area where healthcare is something of an export industry).

Ohio is not a member of the nurse license compact. A stated reason is that some compact states have more lenient laws when it comes to things like licensing nurses with felony backgrounds. Ohio does have an endorsement process, however, and allows applicants who are licensed in other jurisdictions to begin work under a temporary permit provided they meet eligibility requirements.

Select the type of Nursing License you are seeking:

First time licensees are licensed by examination. Ohio RN candidates had a first time pass rate of 89.85% in 2012. PN candidates had a first time pass rate of 87.40% during that time period.

Nursing Scholarships & Loans in Ohio

There are multiple scholarship opportunities for the state’s nursing students ( The Nurse Education Assistance Loan Program is a loan repayment program. The Ohio Nurses Foundation offers a number of $1,000 scholarships with different criteria (

LPN Requirements in Ohio

LPN Education

An LPN should enroll in a state approved practical nursing program. Candidates can find a list of approved programs in the education section of the Board site ( The Board has specific coursework requirements for LPNs who administer medication and perform IV therapy. Those who are authorized to do medication will get the designation LPN Meds; those who are authorized to do both will receive an LPN-M-IV designation.

Read Choosing an LPN Program in Ohio to gain a better understanding of the LPN program education requirements and process.

LPN Application Process

At program completion, Ohio graduates should have their program director send a verification letter to the Board. If the candidate wishes to be authorized to do IV therapy, the completion letter must have the appropriate designation. Graduates of out-of-state programs should have official transcripts sent to the Board to confirm that they have met the educational requirements for licensure. They have additional requirements to get the IV designation.

Licensing packets can be downloaded from the Board site in Adobe Acrobat form ( Candidates should be aware that there were new application forms April 1, 2013 and that they do change periodically. There is a $75 nonrefundable application fee.

A background check is required before licensure. In most cases, applicants will be required to have their fingerprints done electronically; they should select a Webcheck site that does both BCI and FBI background checks. The Board will issue fingerprint cards in some instances, such as if the candidate is more than 75 miles from a Webcheck facility.

The candidate will also need to register for the NCLEX-PN. The candidate will pay $200 upon registration. The candidate will not be allowed to schedule the exam until the Ohio Board has communicated eligibility. At this point, the candidate will receive an ATT which will allow the candidate to schedule at a choice of testing centers.

The Board notifies candidates of exam results, but it may be possible to get results from Pearson earlier for a small fee. This service is now online.

A candidate who fails an examination attempt may retake the test, but will need to submit another application and fee. The Board will send details after the attempt.

LPNs may wish to join the Licensed Practical Nurse Association of Ohio for continuing education and other resources (

LPN by Endorsement

Endorsement candidates need to take a two hour course in Ohio rules and laws; the requirement can be met through distance education. Candidates should visit the continuing education section of the Board site to find approved courses.

A criminal background check is another requirement for licensure. Out of state candidates may request fingerprint cards from the Board. It is possible to obtain a temporary permit before the results are in provided the candidate has submitted verification of education and licensure along with the required application and fee.

A nurse who begins work under a temporary permit must keep the license active in the qualifying state until such time as the Ohio license is issued.

Endorsement candidates must demonstrate appropriate coursework in order to be authorized to administer medication and/or carry out IV therapy. If an endorsement candidate provides evidence of appropriate IV coursework, the candidate must still take a one hour module in state specific laws and rules.

RN License Requirements in Ohio

RN Education

A candidate should enroll in a program that is either approved by the Ohio Board or approved by some jurisdiction in the National Council of State Boards of Nursing. (

Choosing an RN Program in Ohio offers several additional resources to learn about selecting an appropriate professional nursing program.

The RN License Application Process

At the close of the program, the director or dean will send a letter to the Ohio Board stating that the candidate has met educational requirements.

The candidate will still need to pass a licensing exam and a criminal background check. In-state candidates are generally required to have their fingerprints done electronically through the approved vendor, Webcheck. Exceptions may be granted if the candidate lives very far from a facility or has a first set of prints rejected.

A fee of $75 must accompany the application. The candidate will also need to register with Pearson VUE and pay a $200 testing fee ( The candidate will receive an ATT once eligibility has been verified.

Candidates may check the status of their application at the following address:

Registered Nurses may wish to join the Ohio Nurses Association (

RN by Endorsement

A candidate who is licensed in another state should fill out the endorsement application. The candidate should check the continuing education section of the Board site to find a two hour internet course in applicable laws and rules.

A background check will be required. If the candidate is currently living outside Ohio, the candidate may request fingerprint cards. The nurse should have official license verification sent to the Ohio Board. If the state of licensure participates in the license verification system, this may be a quick process. Once license and education have been verified, the candidate may be issued a temporary permit.

International Nurses

Internationally educated candidates who are seeking U.S. licensure for the first time should submit a credential evaluation from CGFNS ( Even if the internationally educate candidate has been licensed in the U.S. and is applying by endorsement, the candidate will need to provide documentation of education, through CGFNS or another satisfactory source; a transcript that has been translated may be accepted. If education is not deemed equivalent, the Board may require additional coursework.

International candidates must also show evidence of having taken an English proficiency exam unless they attended school in one of the English speaking nations that are exempted. All Canadian graduates are exempted except those from Quebec. Additionally, five schools in Quebec have been approved as meeting the English language requirement.

International candidates who are applying by examination take the TOEFL.

Ohio board of nursing continuing education requirements

Find Nursing Licensure Requirements in Your State:

Learn about becoming a Registered Nurse, LPN or LVN in your state:

Jeff Wyler Chevrolet of Columbus in Canal Winchester, Serving Central Ohio and Columbus, OH, jeep dealership columbus ohio.#Jeep #dealership #columbus #ohio


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Visit your Central Ohio Chevrolet dealer to find amazing deals and attractive offers on a variety of makes and models. The Jeff Wyler Chevrolet of Columbus family of dealerships has a large selection of used cars, trucks and SUVs, so we’re sure to something for everyone. Columbus, OH Chevrolet drivers, as the preferred used car dealer, we are ready to help you find the car or truck that is right for you and financing to fit your budget. If you have any questions, please visit our Central Ohio, and Columbus, OH Chevrolet source in Canal Winchester.

Auto Insurance, Property Insurance, Commercial Insurance, Cleveland, OH #auto #insurance, #sr22 #insurance, #car #insurance, #property #insurance, #life #insurance, #health #insurance, #business #insurance, #commercial #insurance, #cleveland, #ohio, #oh, #insurance #agency, #insurance #quote, #cleveland #insurance


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Call Washington Co Insurance Agency to get quote on Auto Insurance,SR22 Insurance, Homeowners Insuance, Property Insurance, Life Insurance, Health Insurance and Commercial Insurance in Cleveland, Ohio (216) 691-9227 or go online and get an instant quote or fill out form and submit form for quote. For the consumer looking for insurance needs, comparing insurance rates are made easy.

Whether you are looking for insurance for your Auto, Motorcycle, Boat, ATV, Snowmobile, Commercial auto, Car, Truck, Property, Life, Health, or Business insurance, you have come to the right place. If you have tickets or accidents or you need a SR22 for driving privilege, no problem, we have affordable rates.

Do you realize you do not have to own Property such as a Home, Condominium, or Landlord, to get Property Insurance? We also offer Renters insurance because a Fire can happen in any dwelling.

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We will provide comprehensive Medical Insurance or Health insurance coverage for you and your family. If you have Health insurance coverage at work, this may be fine, but it pays to check. If you are paying for your own group Health Insurance, let us review it. Remember, you may leave that job someday. Will your Health insurance coverage follow? Not likely.

We have competitive rates for virtually every Commercial driver, regardless of driving experience or record. You’ll get even better rates for commercial drivers with clean records and commercial driver’s license experience. Commercial auto insurance coverage for all commercial autos, such as pickup trucks, vans, automobiles and SUVs. Commercial auto insurance also covers trucks, including dump trucks, box trucks, straight trucks, tractor trailer combos and tow trucks.

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If you are comparing insurance rates on Auto insurance, Car insurance, Property insurance, Life insurance, Health insurance, Business insurance or Commercial insurance, let Washington and Co in Cleveland Heights (216) 691-9227 be your last stop.

Ohio passes heartbeat abortion bill; leader cites Trump s election #politics, #ohio #passes # #heartbeat # #abortion #bill; #leader #cites #trump #s #election,


Ohio passes ‘heartbeat’ abortion bill; leader cites Trump’s election

Ohio considers Down syndrome abortion ban 01:43

Earlier in the day, state Sen. Kris Jordan, a Republican from Ostrander, called for an amendment that added provisions from the House-sponsored “Heartbeat Bill” to another measure, House Bill 493, that sought to streamline the process in which medical professionals report child abuse situations.

“We are a pro-life caucus. ” Jordan said in a statement. “The passage of this legislation in the Ohio Senate demonstrates our commitment to protecting the children of Ohio at every stage of life.”

The Senate voted twice: First, they approved 20-11 the decision to tack on the “Heartbeat Bill” language onto House Bill 493. After the amendment passed, the state senators passed the bill with a 21-10 vote that largely went along party lines.

Ohio state Sen. Charleta Tavares, a Columbus Democrat, had planned on voting for the child abuse bill as originally presented, but ultimately voted against it because she opposed the “Heartbeat Bill” amendment and change in language.

“I believe everyone has a right to their own body,” Tavares told CNN. “We allowed a good bill that protects the health and safety of our children to be bastardized into a government takeover of women’s wombs.”

After the bill went back the House, state representatives easily approved the revised bill 56-39 on Tuesday night. It now goes to Kasich for his signature.

How does this compare to other states’ laws?

Forty-three states currently restrict abortions, with some exceptions, by time or phase of fetal development.

Some of those states prohibit abortions after a doctor determines the fetus is viable. There’s no fixed time period in such laws, but the nonprofit American Pregnancy Association says that viability generally can begin as soon as 24 weeks.

Other states prohibit abortion after a certain time following conception — as soon as 20 weeks in some states.

Because heartbeats develop at around six weeks, Ohio’s bill appears to offer what would be the country’s shortest window for abortions.

At least two other states — Arkansas and North Dakota — passed fetal heartbeat abortion laws. But those measures were found to be unconstitutional in federal court.

Where does Kasich stand on abortion?

Emmalee Kalmbach, a former Ohio Right to Life staffer who is now Kasich’s press secretary, said the governor does not typically comment on pending legislation.

Earlier this year, Kasich told CNN that he was “pro-life with the exceptions of rape, incest and the life of the mother.”

Kasich signed the state’s current viability restriction in 2011.

And earlier this year Kasich signed a bill to ban the state from contracting for health services with any organization that performs or promotes abortions — a measure widely seen as a way to defund Planned Parenthood.

The Columbus Dispatch and the Cleveland Plain Dealer reported that Kasich expressed concerns about previous attempts to pass a “Heartbeat Bill,” including that it may not withstand legal challenges.

Mike Gonidakis, president of Ohio Right to Life, said his group is neutral on the bill because it doesn’t believe the measure would hold up in federal court.

“We believe in an incremental approach,” Gonidakis said. “When you overreach, sometimes the courts get the last say. There’s a reason why no state has a ‘Heartbeat Bill’ yet.”

Another bill in the works

This might not be the only abortion restriction law to reach Kasich’s desk this month.

Senate Bill 127 would prohibit abortions at the 20th week of gestation, except those necessary to prevent serious health problems for the woman. The Senate already has passed it, and the House may vote on it this week.

Gonidakis said he believes that bill has a greater chance of surviving court challenges, in part because other states have such a restriction.

Count on the courtroom

Tavares said she hopes Kasich would line-item veto the “Heartbeat Bill” language.

The Heartbeat Bill has been called “unconstitutional” by members of both parties in the past, Tavares said. Though it passed the state House over a year ago, it previously met opposition in the Senate. On the heels of Donald Trump’s election, momentum for the bill’s approval resurfaced.

The ACLU of Ohio tweeted, “Just a reminder, if the unconstitutional #HeartBeatBill passes and becomes law, we will challenge it in court.”

Ohio state Sen. Joe Schiavoni, a Democrat from Boardman, said the bill would lead to “expensive lawsuits” that would divert resources away from more pressing issues like the opioid crisis.

“To the taxpayers of Ohio, I am sorry that your money will have to be used to defend this bill in the court system.”

John Fortney, a spokesman for the Senate’s Republican caucus, said that “as far as the threat of abortion advocates suing, we don’t base our decisions on protecting the lives of babies on the threat of someone threatening to file a lawsuit.”

Trump and the Supreme Court

President-elect Trump has expressed interest in reversing the 1973 Roe v. Wade landmark decision that made abortion legal nationwide.

Trump will get to nominate at least one justice during his term to fill the seat vacated by Justice Antonin Scalia, who died in February. Scalia was known for dissenting opinions on abortion rights.

In an interview with “60 Minutes” last month, Trump said opposition to abortion would be a criteria for nominating justices.

“The judges will be pro-life,” he said.

But replacing Scalia with someone of the same mold alone may not change the status quo. In June, the Supreme Court ruled 5-3 against a Texas abortion access law that opponents argued would have shut down all but a handful of clinics, with perennial swing-vote Justice Anthony Kennedy joining the court’s four liberal justices.

CORRECTION: An earlier version of this story incorrectly described current Ohio abortion law. The current law prohibits most abortions of viable fetuses. Doctors are required to test for viability beginning at 20 weeks’ gestation.

CNN’s Tom Kludt, Cassie Spodak and Joan Biskupic contributed to this report.

After 44 years, Ohio is raising its minimum liability requirements for auto insurance #ohio #automobile #insurance


After 44 years, Ohio is raising its minimum liability requirements for auto insurance

The last time Ohio raised its minimum requirement for auto insurance liability coverage, Richard Nixon was president, most TV shows were broadcast in black and white and eight-track tape players were the hot new option for cars.

For the first time in 44 years, the state is elevating its minimum liability coverage for drivers. That will mean higher premiums for the 5 percent of Ohio drivers who carry only minimum coverage, but could mean lower auto premiums down the road for everyone else.

What’s perhaps more surprising than how long it took to get a new law passed: Both industry and consumer groups are against the new higher minimums because premiums for that coverage are expected to increase by at least 25 percent, and that could cause some people to drop coverage.

Under the current requirements, drivers in Ohio must carry insurance liability coverage that will pay up to $12,500 per person to cover injuries and medical costs, up to $25,000 per accident, and up to $7,500 property damage per accident.

The new requirements double the injury liability and more than triple the property damage. The new requirements are $25,000 injury per person or up to $50,000 per accident. The property damage liability coverage must be at least $25,000 to cover damage to other drivers’ vehicles or any other property besides your own.

The new liability limits have nothing to do with collision and comprehensive coverage that many drivers carry to repair their own vehicles if they have an at-fault wreck, or hit a deer, or if their car is broken into or damaged by hail.

The new law takes effect in March, but there is a nine-month grace period. So the higher minimums don’t kick in until Dec. 22. People don’t have to comply until their first policy renewal after that date.

Under Ohio’s current limits, only one state – Florida – has a lower injury liability limit than Ohio. And only four states — Pennsylvania, New Jersey, Massachusetts and California — have lower property damage limits.

Ohio’s new higher limits puts the state in line with most others.

But both the Ohio Insurance Institute and the Consumer Federation of America worry the new higher limits will cause more drivers to go without any liability coverage at all.

As it is, about 11 percent of drivers licensed in Ohio do not carry any auto liability insurance, according to the Bureau of Motor Vehicles. The BMV compiled data from 2005 through 2011 through its random verification program.

Meanwhile, about 5 percent of insured drivers – or 400,000 Ohioans – have policies only at the minimum limits and will be required to buy more coverage.

Auto insurance premiums vary widely based on factors such as driving record, age, the type of vehicle and credit score. But it’s estimated that the price of a typical minimum liability policy will increase by 25 to 30 percent.

Solon independent insurance agent Tom Wasson estimated that a typical minimum coverage policy might cost $800 a year, or $67 a month. At the higher coverage requirement, that might jump to $1,000 a year, or $83 a month.

That will have an effect, said Dan Kelso, president of the Ohio Insurance Institute in Columbus, which represents insurance companies.

“When you raise the rates, it certainly doesn’t encourage more people to be financially responsible,” Kelso said.

“If someone wants to buy more coverage, there’s nothing prohibiting that,” he said. “We have said, ‘Let the consumer decide, not the state.’ “

Likewise, Robert Hunter at the Consumer Federation of America in Washington D.C. fears the higher premium costs could make insurance unaffordable for some.

“You can’t ask people to pay money they don’t have,” said Hunter, who is director of insurance for the consumer-focused group. “You can’t get blood from a stone.”

But Wasson, the Solon insurance agent, said people need to make financial responsibility a priority. Liability insurance is important, he said.

“People might say they can’t afford auto insurance but if you ask them, ‘Do you pay your cell phone bill every month for that smart phone? Do you have cable television? They’ll say, ‘Yes, of course.’ “

Wasson said he won’t even write policies at the current minimum limits because the level is ridiculously low and irresponsible. Even a young adult new to the job market with no assets should have $50,000 coverage for an injury and for property damage, he said, because it doesn’t take a very serious wreck to cause property damage or injuries that exceed those levels.

One who is praising the higher limits is John Van Doorn, executive director of the Ohio Association for Justice, which represents attorneys. The old limits were “woefully inadequate,” he said.

He noted that the most popular car in 1969 was a Ford Grand Torino, which cost $3,200 new. “Coverage of $7,500 doesn’t do much today,” he said, adding the typical new car costs $28,000 today.

Certified financial planner Bill Russo of Concord Financial Planners said the drastic increase in premiums could pinch people who are living paycheck-to-paycheck. The hike would have been less jarring if the minimum had increased gradually over the years. “When you don’t index something to inflation, things tend to get out of whack with reality.”

At Mayfield-based Progressive Corp. one of the nation’s largest auto insurers, it’s too soon to tell what impact the new law might have on premiums, said spokesman Jeff Sibel.

Kathy Virgallito, a regional director of partnerships for Apprisen, a credit-counseling agency in Columbus, said drivers who think they’ll have difficulty affording the higher premiums should shop around for the best price and also look for a company that offers monthly payments (often in exchange for automatic debit from a checking account).

“People learn to absorb increases,” she said. “They have to look at, ‘What do I cut back on?’ “

Wasson acknowledged that about 80 percent of property damage claims fall under $7,500. But he said the low minimum liability limits have been possible only because people carry coverage to protect against uninsured/ underinsured drivers. So if you’re hit by someone who has only $7,500 property damage coverage and your $30,000 SUV is totaled, your own auto insurance picks up the rest of the tab.

“What we’ve done is shifted the cost to you and me on our underinsured coverage,” Wasson said.

In theory, with higher minimum liability limits, the cost of uninsured/ underinsured coverage should go down because companies will have fewer underinsured losses.

Kelso of the Ohio Insurance Institute said it’s too soon to tell. “That’s a great philosophical question.”

Van Doorn said he doesn’t buy the argument that higher financial responsibility limits will push some into not being able to afford coverage.

If you look at the states with the highest minimum financial responsibility limits, they generally have the lowest percentages of uninsured drivers.

Maine, for example, has the among highest minimums nationwide (along with Alaska and Wisconsin), at $50,000/$100,000/$25,000. Maine, meanwhile, has the lowest rate of uninsured drivers, at 4.5 percent.

There are 10 states that have limits comparable to Ohio’s new limits. The percentage of uninsured among those 10 ranges from 8 percent in Nebraska to 28 percent in Mississippi.

So there’s not a direct correlation between insurance coverage and people who choose to drive illegally without insurance, Van Doorn said.

Hunter of the Consumer Federation said he’d like to see states adopt a low-income auto insurance plan like that in California. The low-cost plan is aimed at drivers who are at less than 250 percent of the federal poverty level (or $50,000 for a family of four) and have a good driving record, with no more than one accident or ticket in the last three years.

Further, he’d like to see more states ban insurance underwriting that relies on credit scoring and other factors that work against lower-income drivers.

Insurance rates should focus mostly on a person’s driving record, years of experience and miles driven a year, Hunter said.

“If people’s rates weren’t jacked up because of all of these other factors that have nothing to do with their driving, then insurance would be more affordable,” he said.

Figures from the Consumer Federation of America show the auto insurance coverage minimum requirements of each state, with the shorthand version of the rule beside the state name.

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Burnor Insurance Agency Inc #car #insurance #toledo #ohio


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General FAQ 1

What should I do if I’m in a car accident?

1. Call 911 if anyone is injured.
2. Call the police if there are injuries or if the other party(s) is uncooperative.
3. Warn oncoming traffic by setting flares or hazard lights.
4. Do not admit fault.
5. Get names, addresses, phone numbers, makes of vehicles, and license numbers of all other drivers, passengers, and witnesses.
6. Get all other drivers’ insurance information (company, policy number, and contact info).
7. Carefully examine damage to other vehicles.
8. Call your insurance provider immediately.
9. Take photos of the accident location and the vehicles involved.
10. Only discuss the accident with the police or with your insurance representative.

If you don’t have a place to write down the above information, use your phone’s camera to take photos of the other driver’s:

How do I file a claim?

Call your insurance provider directly to report a claim.

What happens after I report my claim?

In most cases, a claims representative will contact you to discuss what happens next, explain what your insurance policy covers, and answer questions.

Should I buy additional insurance when renting a car?

Coverage can vary by policy. If you have questions, check with us at 1-419-243-6108 to see whatÕs covered in your policy.

I’m selling my car. What do I need to do?

You’ll still need insurance on the vehicle while it is for sale as potential buyers will be “test driving” your vehicle. Once youÕve sold the car, notify us at 1-419-243-6108 so we can remove it from your insurance policy. Make sure to do a bill of sale and keep a copy (to prove dates, etc.).

Depending on where you live, you may be required to notify your local government or Department of Motor Vehicles of the sale. This form is sometimes called a Release of Liability. Should the person who buys your car delay re-registering it, this will be a record that the vehicle changed hands, offering you a layer of protection if the new owner incurs any penalties or fines.

I’m buying a car. What do I need to do?

Call us at 1-419-243-6108 as soon as possible to add the vehicle to your policy and to discuss coverage options and removal of your old car.

If you’re buying a used vehicle, ask for a CARFAX report to check for prior accidents, ownership changes, and service reports.

Can I get a copy of my policy/ID cards?

Check with us at 1-419-243-6108 to find out what option your insurance provider offers.