Couple buy a used car

Purchasing Second Hand Vehicles In California

Couple buy a used carStill a Benefit for the Average Customers

At times you may need to find a vehicle that has the basics versus something with all the gadgets and leather interior. When you only want to keep the budget under $5000 then going to a used car lot may be one of the best affordable options. The hardest part of buying a used or second hand car is not knowing exactly what can go wrong with the car.

Now, not knowing what can go wrong with a vehicle also does occur with newer cars as well however you normally have a new car warranty that can cover you for some of the unexpected break downs or engine troubles that can come along during the life of ownership. We just hope that if the warranty has expired you gave it some thought on extending it or perhaps buying 3rd party coverage that can cover the power train.

To keep things simple going with a buy here pay here dealership can not only give you a car without the need of a bunch of money down.  The other good thing about the buy here pay here programs is the ability to purchase a vehicle without having the best of credit. The in-house lending options are typically available for most customers that can prove their income and also are consistently working at the same job for 24 months or longer.

Having good credit and a rich uncle can get you pretty far but when you are like most average working class people like ourselves we want to make sure we explore some of the soundest simple options that can be pain-free without all the red tape. When you are in the market to purchase a new or used car feel free to visit the site provide by the link above and tell them Robert sent you, hope this help take care.

So where can you possibly get all this good information and tips? Just simply go to the links above and there you will discover some great ways and car lots that will be able to fulfill you on some tools and resources to purchase a used car. If you get caught buying something that you do not want and just want to trade it in on something else, the dealers do welcome trade-ins but make sure the car you pick is of high value or else it will not benefit you to do a trade.


California Check Cashing ? Laws and Regulations

check-cashingCalifornian business houses that possess the license for check cashing their customers should be licensed by the United States Department of Justice at the federal level. In addition, the businesses must also list down the fees relating to their transactions in a conspicuous manner. The government does not set those transaction fees; it is the business owner that decides the fees. The California check cashing law was implemented for protection against abuse and fraud. The law does not include every business and exempts some businesses from following the protocol.


The owner should put in a yearly permit application for the smooth functioning of the check-cashing business. The permits would not cost more than $100 dollars and should be renewed annually. The permits are issued by The California Department of Justice and the department also takes care of issuing licenses to check-cashing businesses. The license does not guarantee that the business is of repute and standing; it only indicates that the business has followed the state statues and has got the license, as a result. Some of the cities in California have also built moratoriums where fresh check-cashing businesses are not allowed anymore.

Exempt Firms

The process of obtaining permits applies only to those firms whose primary business is check-cashing. Federal and state chartered banks are given exemption by the law, as are loans and savings associations, industrial loan firms, and credit unions. These firms should comply with other federal and state laws that provide protection against fraud to the consumers. Commercial retail houses that charge their customers a nominal fee for money orders and cashing checks are also given exemption.

Posting Fees

As per legal stipulations, firms into the check-cashing business should display a list comprising of all the service fees levied by the firm on its customers. The charges included in the list should pertain to money orders, cashing checks, or other kind of commercial paper. Check-cashing businesses that also post the identification forms should cash a check or offer their other services.

Types of Checks

Generally, all kinds of checks are cashed by check-cashing businesses. The individual would only have to bring his photo ID and the check. The photo ID could be a military ID, drivers’ license, passport, etc. In circumstances where the individual does not possess a photo ID, the firm would be more than willing to find an alternative solution for the individual. Some of the checks that can be cashed are:

? Payroll — could be printed from a computer or hand-written.
? Tax Refunds — US Treasury or Rapid Refund
? Insurance
? Government Checks
? Money Orders
? Personal Checks
? Cashier’s Checks
? Student Loan Checks
? Out of State Checks

Permit Denial

The Department of Justice can deny the permit for the initial cash check or the ones submitted for renewal if, at the time of background check, it is found out that the applicant has been convicted for felony involving fraud, dishonesty, or deceit and the charges are substantially related to the check-cashing firm’s business operations.

LLC California

How To Set Up a California LLC?

LLC CaliforniaSetting up a LLC California company is simple. The rules and regulations are listed at the State of California Franchise Tax Board. We recommend that you first consult with a lawyer and an accountant to understand the details of the California LLC process before you set up the LLC.

What is an LLC?

An LLC is a limited liability company that offers liability protection to the corporation owners as it has different tax requirements. In an LLC, the owners are liable for debt and obligations only to the amount they have financially invested in the company. The members of the LLC can participate in the management of the company according to the operating agreement that was set up.

Setting up a California LLC is easy and has a few simple steps.

Step #1 — Choose your business name and check the availability of your business name. The company name should be followed by the term “LLC, CORPORATION, INCORPORATED” etc to indicate how it is going to be registered. California Law restricts companies from using terms like BANK, TRUST, TRUSTEE or INSURER in the company name to prevent confusion. It also prohibits real estate firms and contractors from registering as an LLC. You may also choose to register your company as a federal or state trademark.

Step #2 — Fill and file the correct paperwork. The State of California, Secretary of State Website has a simple online form or draft called the LLC-1 form that you can use to file your articles of organization. You will have to pay $70 to file your application and this fee is to be paid by check. Mail or email the form with the fee to the Secretary of State office or deliver in person. Some forms do get rejected due to errors in the application and you should double check the application before you send it in. You may also have to file a Statement of Information Form LLC-12 within 90 days of setting up your organization.

Step #3 – Create an operating agreement with the members of the LLC. The agreement will list rules about holding meetings, how the capital is collected and how profits are distributed between members of the LLC. Set up the organizational meetings according to a schedule and adopt company bylaws that are listed in the operating agreement. Make sure that you also get a local business license to run your business in the city or county where you will be running the business.

Step #4 — Open a company bank account. A current account has to be operated in the company name for tax and accounting purposes. California law requires you to have a EIN or tax ID number to ensure proper functioning of the company. You may have to file tax forms to pay off the state’s minimum $800 franchise tax requirements.

We do recommend that you find a good lawyer and accountant who will ensure that you are protected during the LLC incorporation process. The LLC is usually perpetual in nature but members can choose to set up a date for liquidating or terminating the agreement.

Teaching Credentials

Certifications and Attestations Required For Teaching in California

Credentials are, in this passage, are referred to as academic qualifications. Teaching credentials include, the qualification/s and fulfillment of legal formalities, enforced by the governing authorities, required to teach a specific subject, or more.

The teaching credentials, in the State of California, are defined by The Commission of Teaching Credentialing. The commission issues a number of certificates that cater to different teaching, and teachers’ support categories. The relevant certificates that an individual should obtain to work in an educational establishment in the state of California are:

Activity Supervisor Clearance Certificate, the document must be attained from the commission by prospective teachers, or persons, intending to associate themselves to students, or pupils; a fingerprint clearance, through the Department of Justice, and Federal Bureau of Investigation are required to get the certificate issued.

Adapted Physical Education Specialist Credential, is issued by the commission to those who have attended the commission approved professional preparation program, at a California college or university; it allows the holder to teach the physical challenged children and adults.

Administrative Services Credentials, this certifies the holder to take up an administrative job in a school, such as that of a coordinator, record keeper, or supervisor.

Adult Education Designated Subject Teaching Credential, authorizes, teaching adults, academic or non-academic subjects, in programs administered by school districts; the holder may also serve as a substitute for any one teacher, for the same type of student, for a period not extending 30 days.

Child Development Permits, California offers six tiers of such certificates, authorizing individuals, to perform respective jobs accordingly.

Clinical or Rehabilitative Service Credentials, allow holders to offer audiology, orientation and mobility programs, to students of all ages.

Elementary (Multiple Subject) Teaching Credentials, – holders for this subject can teach multiple subjects in elementary schools.

Internships, commission offers certified, intern programs, such as the teacher of record, counselor or administrator while completing an organized professional preparation program.

Teaching CredentialsThe General Education Multiple Subject Limited Assignment Multiple Subject Teaching Permit, authorizes teacher to teach subjects generally taught in elementary schools.

The Special Education Limited Assignment Teaching Permit, authorizes teachers to teach, in the field of specialization, listed on the certificates, at establishment, catering to the needs of the special people.

Pupil Personnel Services Credentials, allows applicants to provide services like that of a school psychologist, counselor, school social worker, or child welfare and attendance regulator. The holder can perform jobs according to the details, specified on his certificate.

The Reading Certificate, allows the instructors to facilitate student in reading, by assessing and providing instructions; the holder can serve one or more schools at a time.

Special Education (Education Specialist Instruction) Credentials, authorize the holder to teach in one or more areas of disability areas, specified on the document.

Specialist Instruction Credentials, enables the holder to provide services in specialized areas, such as Mathematics Specialist Instruction, or Early Childhood Education Specialist Instruction All applicant are required to complete a program, recognized by the commission, in the area of specialization, or an equivalent program, from an institute outside California, which is recognized by the commission.

Speech-Language Pathology Services Credentials, certifies teachers to provide services for Language, Speech, and Audiology, to the special belonging to all age groups.

Substitute Teaching Permits, are emergency teaching permits that allow the teacher to serve as day-to-day substitute in any classroom, at all levels. Permits expire after one year. The permit validates a substitute teacher, to teach, for a period not extending 30 days, in a regular school; and for a period, not exceeding, 20 days, in school catering to those with special needs.

The above mentioned certificates are issued after the applicants attend the relevant program from accredited colleges or universities, and clear the assessment that follows the program. This is how the California teaching credential system works.

Higher Education

Higher Education Opportunities in California

Higher EducationPrivate colleges and universities are establishments that are not administered by the district, state, or federal government. They are independent bodies that set up their selection criterion, and operate on the basis of funds generate by tuition fees, or other sources.

Private institutes imparting education at higher levels, have a tremendous impact on the economy, culture, social well-being, and community progress, in the State of California. The first, private, non profit, educational organizations, were founded in the year 1851; since then, a large contribution has been made towards educating and shaping the youth of California. Today, California has a huge network of such institutes that are closely connected via a common platform called the Association of Independent California Colleges and Universities.

AICCU is a voluntary association, of the diverse private educational establishments, that collaborate with each other to strengthen the cause of promoting quality education by sharing ideas, collaborating on public policies, and coordinating research. Ninety-five percent of the existing private colleges fall under the flagship of this association. The private educational establishments are also affiliated to the California Education Roundtable, and its administrative body, the Intersegmental Coordinating Committee. AICCU also serves as, the voice of the private bodies, in matters such as, government relations, research, advocating grants, public policy development, professional development, and joint financial services. According to, AICCU a total of, approximately, little more than, 260,000 students, enroll for undergraduate and graduate programs every year.

A Guide to California’s Independent Colleges and Universities, is published every year, by AICCU, and is distributed amongst, counselors, transfer centers, public libraries, and online. The Guide directs students to learn about, the state’s private nonprofit institutes for higher education, and the programs offered by them, urging the students to make the right decision, for choosing a college and a field, which will mark their future. A list of private educational establishments, offering scholarships is also highlighted in the guide, the procedure, or the web-based link, for applying for endowment is also mentioned. The guide serves as a valuable source of information, for those seeking to pursue higher education, in the state.

The autonomous, high educational, establishments provide data and statistics to the AICCU, the association, organizes and compiles data into useful information that it publicizes in a monthly newsletter called Making a Difference, which is circulated on the internet via various, social media platforms.

The private college and universities, in California, have contributed to the development of society by invoking the act of critical thinking in the minds of the student. The universities have delivered a standard quality of education, keeping in mind the immediate and strategic needs of the American society. The students are trained, by the private knowledge nests, to determine and seize opportunities in the public and private domains, in a way that would have a lasting, positive impact on the members of the society.

There are many links available online that help student identify college and universities that best fit their financial and academic needs.

The following links provide the list of private colleges in California, and private universities in California; accredited by The AICCU.

Dental Schools

Dental Schools in California ? An Overview

Dental SchoolsThere are quite a few schools or institutes in California that offer dentistry degrees, a field that is expected to grow by 16 % for a decade from 2008 to 2018. With the American Dental Association or ADA approval tag, these dentistry schools permit graduates to sit for National Board Dental Examinations for practicing as a dentist or gaining a state license.

Los Angeles School of Dentistry

The Los Angeles School, a public institution, is a major part of the UoC system of colleges. The institute’s D.D.S. or the Doctor of Dental Surgery program sees students in excess of 1,200 competing for the available 88 spots. The program has a total duration of 45 months, of which 34 months are on-campus period. Clinical rotations for off-campus needs are held at Harbor/ UCLA Medical Center and Wilson-Jennings-Bloomfield Venice Dental Center. For admission eligibility purposes, students or applicants must show evidence of their course-work at college level in or organic and general chemistry, biology, physics, biochemistry and psychology, composition, and undergraduate education comprising a total of 90 credits. Although students without a bachelor’s degree are permitted into the program, most of the students on-roll are graduates.

Loma Linda University School of Dentistry

A Seventh-Day Adventist school, Loma Linda University is located 60 miles to the east of Los Angeles approximately. The institute was established in 1953 and offers degrees in maxillofacial and oral surgery, endodontics, orthodontics, oral pathology, periodontics, pediatric dentistry, prosthodontics, along with degrees in general dentistry. Some of the courses needed for admission into the institute’s D.D.S. program are organic and general chemistry, biology, biochemistry, composition and physics. In addition, applicants should have also completed 96 hours undergraduate education. Students are also encouraged to undergo classes in genetics, accounting, anatomy, psychology, neuroscience, statistics, and religion. Applicants with dental assisting experience are given preference during the admission process. With its international dentistry program, the institute also helps dentists from foreign countries obtain degrees for practicing in America.

University of the Pacific Arthur A. Dugoni School of Dentistry

The Arthur A. Dugoni School was established in 1896. As per the website of the university, the institute offers only a three-year Doctor of Dental Surgery program in America. The program has 140 positions in total, which sees more than 3,000 students applying for the course every year. Applicants interested in the program should have completed 90 credit hours in subjects such as physics, biology, organic and inorganic chemistry, and speech or communications at an undergraduate level. The institute, similar to most of the other dental schools in California, gives preference to students with dental office experience during the admission process. The students should have completed at least 40 hours and which could either be a work experience or a voluntary engagement. Along with laboratory and clinical coursework, students must also study human behavior and social sciences for a better and deeper understanding of their patients. The institute also provides graduate courses in maxillofacial and oral surgery, and orthodontics for dentists inclined towards a specialization.