Auto Repair Service – 30k, 60k, 90k, Automobile Dealership Rip-Offs

I had a friend call me recently because he brought his 2007 Nissan in for a 90k auto service (90,000 mile service). Most of these services are the biggest scams I have ever been apart of (yeah sorry). As a flat rate mechanic I absolutely loved them (back in the day). My friend paid through the nose for crap, he knew it after wards, and at least declined the BS up-sells.

Thirty thousand mile services are a glorified oil change with a tire rotation. I used to get paid 3 or 4 hours to do a 30k service (Done in 1 hr tops). Oh, you sure inspect a lot of stuff, stuff that does not need inspecting. The original 30k’s, before we had 100,000 mile fluids and spark plugs, you actually had to do some work.

Here’s the deal! You go in for an oil change every 3000 miles, and a oil change and tire rotation every 6000 miles or so. If you need repair work, like brakes or front end work, they will notice. They crawl all over your car looking for an up-sell, you don’t have to pay them for these routine inspections, that’s all these services are, routine inspections. Most shops give you free 16 point inspections for free with an oil change.

I recommend getting your oil changed and tire rotations by “certified mechanics”, not jiffy this, or sooner that. whether in a dealership or private auto repair facility they have “guys”, they give this easy work to. Don’t let sub par mechanics work on your car. The labor rate does not change depending on who’s working on your car, so ask for a certified mechanic (your already paying for him).



Source by Ken Teas

Insurance Coverage for Infertility Treatments

For many infertile couples in the United States, the cost of infertility treatment is prohibitive. While many foreign countries, especially those with declining birthrates, subsidize in vitro fertilization (IVF), the United States government has not yet recognized infertility as a disability that warrants greater scrutiny. Luckily for some, however, legislature in 15 states mandates insurers to offer coverage for certain procedures, making infertility treatments more affordable for thousands of families.

Per the American Society for Reproductive Medicine, the following states require insurers to provide coverage for infertility treatment, albeit subject to restrictions:

  • Arkansas: Providers cover IVF, but the lifetime coverage may be limited to $15,000. Restrictions apply (e.g., sperm and eggs must not be donated, the couple must have tried to achieve pregnancy for at least two years, etc.).
  • California: Providers are not required to cover IVF, but diagnosis of infertility may be covered, as well as gamete intrafallopian transfer (GIFT).
  • Connecticut: Both individual and group plans cover medically necessitated diagnosis and treatment of infertility. Restrictions are imposed on patient’s age (must be older than 40), on the maximum number of treatment cycles (four for ovulation induction, three for intrauterine insemination [IUI], and two for IVF, GIFT, zygote intrafallopian transfer [ZIFT], or low tubal embryo transfer), and on the number of embryos transferred (no more than two per cycle).
  • Hawaii: Plans offer a one-time coverage of IVF outpatient expenses. Eggs and sperm must not be donated. The couple must have tried to become pregnant for at least five years. Other restrictions also apply.
  • Illinois: Group plans of at least 25 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. No more than four egg retrievals can be covered by insurance.
  • Louisiana: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, and other assisted reproduction procedures.
  • Maryland: Group plans of at least 50 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. In addition, providers may impose a lifetime maximum benefit of $100,000 and three IVF cycles per live birth.
  • Massachusetts: Insurance providers cover medically necessary tests and procedures for infertility diagnosis and treatment, including IUI, IVF, GIFT, and ZIFT.
  • Montana: Only health maintenance organizations (HMOs) are required to provide coverage for infertility services as part of basic preventive healthcare services. The extent of this coverage is not defined.
  • New Jersey: Coverage is provided for IUI, IVF, GIFT, ZIFT, and other infertility treatments if less expensive options have been attempted unsuccessfully. The coverage extends to no more than four egg retrievals.
  • New York: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, GIFT, ZIFT, and other procedures.
  • Ohio: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.
  • Rhode Island: Insurance providers cover the diagnosis and treatment of infertility if the procedure is deemed medically necessary.
  • Texas: Some insurance plans cover IVF if no other methods have worked and the couple are using their own eggs and sperm.
  • West Virginia: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.

Note that even if insurance providers are not required to cover infertility treatment, some of them still do. For example, my state legislature does not obligate insurers to provide coverage for IVF or other assisted reproduction procedures, but my insurance plan offers a lifetime coverage of $25,000 nevertheless, after certain conditions are met (e.g., more than a year of failing to achieve pregnancy for those who are over 35, three unsuccessful IUIs before an IVF is attempted, etc.).

Although most health insurance providers do not cover infertility treatments if they are not required to do so, keep in mind that parts of these treatments (e.g., ultrasound imaging and blood tests) can be considered routine tests and thus at least partially covered by the insurer. The same is true for generic medication (e.g., clomiphene citrate). Still, the unfortunate reality is that many couples in the United States find themselves required to pay in full for their infertility treatments, and they have to be able to pay the entire amount up front.



Source by K. Lowery

Virtual Salesforce Consultant to Boost Your Business

Small to medium businesses can benefit very from being organized and integrating their personnel in a tight, close fashion, ensuring everyone is informed and on the same page, not only just day to day, but up to the minute. Communication within the company as well as conveyances with existing and potential customers is paramount, and having an easy and workable way to keep track of all and change or edit on the go is a must these days. A successful business will be able to manage all communications, and the use of Salesforce to help determine your needs will put your business ahead of the pack.

Customer relationship management (CRM) is a must for businesses; this is an established fact. You must be able to concentrate your full force on creativity and sales, and leave the mundane aspects of email management, database creation and updating, and basic software management to slow you down. Instead, having all this integrated into a software base such as, Salesforce can streamline your company's communications within the office, as well as your connections with customers and clients. The entire communications bundle can be actually looked after the virtual Salesforce consultant, saving you a great deal of money, as you will not make the costly mistakes.

The benefits come into light as you see your business begin to communicate more efficiently, under one software package. The consultant can help you decide which package is best for your business, and how you wish to handle communications. Perhaps the ideal condition for your business is to take it to the cloud, and with the CRM packages available, you will be able to make the most of having your email and documents available to sales personnel and clients anywhere they may be, as long as they have an Internet plug in. Documents are instantly accessible and you are able to see and make changes that are then distributed throughout the cloud, right to your business associates, instantly. No more worried that someone will be left out because something got lost in the mail.

The communications software best designed for you can be a challenge to find the first time. Wasted time in running about trying to do so can lead to lost money. With a Salesforce consultant at your disposal, you are able to get advice on the packages that are best suited for your business model. Your sales representatives and executives will be fully integrated into your communications and customer relations instantly, able to deal with any request generated by the customer and immediately documenting the communication for action or storage. Without customers, there is no business, so it is important to be able to communicate with them both quickly and efficiently, and to have everyone who needs to be on board within communicable distance, even virtually.

The best practices come from having the right information, and getting a Salesforce consulting service to set up the best customer relations management software integration for your business will ensure you get the boost you need to come out on top.



Source by Rakshanda Naz

Researching Local Car Dealerships When Purchasing A Car

It's quite possible that purchasing a vehicle is the second most expensive acquisition you will ever make, next to owning your own home. With such a large amount of money needed for a vehicle purchase, a smart investment would include doing your research on not only the type of vehicle you want, but also the dealership you want to patronize.

When researching local car dealership, word-of-mouth is an invaluable resource. When someone you know and trust has had a good, or bad, experience at a local dealership it will help to point you either towards or away from said dealership.

If your best friend went to Buddy's Cars (for example) and had a great experience and walked away with a great deal, you are much more likely to want to give Buddy's Cars a chance to earn your business, right? Whereas if your friend went to Grumpy's Autos (for example) and had an unfriendly salesperson who would not bargain with them on the price of the vehicle, you are likely going to be uninterested in giving Grumpy's a chance.

Once you have narrowed your auto search down to the make and model you desire, it is then easier to narrow down your choice of dealerships because of the types of cars they offer. Whether you're looking for a new or used car, find a dealership that specializes in the type of car you want. They should not only have the largest variety in-stock, but they should also be the most knowledgeable about that particular vehicle.

Negotiating the price of a vehicle is torture for some people; for others it's a natural high to get a great deal. Whether you enjoy it or not, negotiating is a big benefit to the customer when purchasing a vehicle. If the dealership is not willing to come down on the price of their inventory, simply find another dealership that will. Sometimes negotiations take multiple times back and forth from the salesperson to their manager and back to you until you can all agree upon a final price. There really is no reason to pay full sticker price on any vehicle, new or used.

Do your research before car shopping to see what the car you are wanting is worth. If you have a trade-in vehicle, check out sites like http://www.kbb.com or www.nadaguides.com to find out what amount you can expect to get for your trade ahead of time. It helps to have a final amount in mind that you are looking to spend for the new vehicle, with or without a trade-in. Many dealerships have websites that show their current inventory automatically, so you can know what they have in stock before you physically visit them.

Financing options are important to any consumer who is going to need financial assistance with purchasing a vehicle. You can either be prepared by getting pre-approved from your own financial establishment (a bank or credit union), or you can go through whatever financing options the dealership offers. Many dealerships have relationships with local banks and credit unions that will help you get the car you want. It's a nice benefit when dealership offer several financing options to choose from.

Finally, each dealership and really each salesperson at each dealership has their own personality. You will feel most comfortable with someone you fall is trustworthy. If you do not get along with, or feel assured by, your salesperson or dealership, there are most likely plenty of other dealerships that are hungry for your business and will treat you well. You are the ultimate decision-maker, and you have the right to make whatever choice you want. Purchasing a vehicle can be done in one day if that's how you want to do it, but if you would rather start by simply looking around and doing some window shopping, no one should be able to force you into making a rush decision. You will be happiest with a vehicle that was a well-planned purchase from a dealership that was respectful of you and your budget.



Source by Jason J Junge

Auto Repair Services: A Guide To Choose The Right Service Provider

Is Your Car Damaged?

Have you ever met with an accident? You never know when an accident occurs. If you have a damaged car, look for a reliable garage to get back your car in an original condition. Most of the people find it difficult to choose the right auto body shop. What factors you should consider when you are looking for the best auto shop in your area? What questions you should ask to the mechanic?

Visit A Local Repair Shop

A good auto repair shop can offer you with the best services. They can also offer you with car paint services. Replacing the damaged parts is not a good idea. It’s always a good idea to choose auto repair services. Therefore, you should take your time to find the best repair specialist in your area.

How Can You Find The Best Repair Service Provider?

Shop Around

Remember, you should always take some time from your busy and hectic schedule to shop around. Check the different deals offered by the garages/auto shops. You should focus on all the different aspects of the repair shop before choosing them. Compare the services and see which auto shop is the best. You can also use Internet to find the best one.

Speak With Your Near And Dear Ones

Speak with your friends/family/colleagues to know about their auto repair experience. Reference is one of the best ways to find an excellent auto body shop. You can even get referrals from your Truck Company or insurance agent. However, you should always check the credentials or testimonials before choosing the auto shop.

Ask Questions

You should ask as many questions to the garage or repair shop as you can. Moreover, you should also find the reason of their popularity in the market. Do they offer any discount on the services? Do they have ASE certified mechanics in their team? This will help you to get an idea about their work.

Check The Background Of The Auto Shop

Always do a complete background check of the shop before choosing them for car repairs. Moreover, you should also find how long they have been in business. A repair shop or garage can only stay in the business for long if they are doing good work.

Conclusion

Take a little time to choose the best auto shops in your area. Get references from your near and dear ones. Compare quotes of the different repair service providers to choose the best deal.



Source by Popi Kahar