text:
At Auto Performance Center, we want our Garner customers to have the opportunity to feel comfortable in their vehicle. You can leave the repairs and services to our professionals, but please don't hesitate to ask us questions about why a service is needed or how it occurred. Give us a call at 919-772-5957, and we will be happy to speak with you. Here is some valuable information on brake issues and corrective services Auto Performance Center offers.
Anti-Lock Brake System
The Anti-lock Brake System (ABS) ensures your wheels keep rotating during braking, preventing skidding and providing better control. If your ABS light illuminates, visit Auto Performance Center for a diagnosis and professional repair.
Brake Fluid Flushes
Brake fluid can absorb moisture from the air over time, diminishing brake effectiveness and becoming corrosive, potentially harming the system. Regular brake fluid flushes are vital to ensure fresh fluid usage in your vehicle. Consult our technicians at Auto Performance Center to determine the right time for a brake fluid flush.
Brake Hoses
A brake hose carries pressurized brake fluid from the master cylinder to the brakes. A damaged hose can lead to delayed or weak braking, and a leak may result in brake failure. While the need for a replacement brake hose isn't common, any signs of cracking or wear should prompt immediate replacement.
Brake Pad & Shoe Replacement
Squealing brakes often indicate brake pad issues. When brake pads deteriorate completely, a harsh metal-on-metal grinding noise occurs during braking, indicating potential rotor or drum damage. Although experienced individuals may attempt home repairs, if you have brake concerns, it's best to consult an auto repair professional promptly.
Caliper Replacement
The brake caliper houses brake pads and clamps around the rotor to apply pressure during braking. Caliper problems can cause uneven braking, leading to skidding during braking and loss of control in adverse weather conditions. Contact Auto Performance Center in Garner at your earliest convenience for assistance.
Resurface Rotors
In a disc brake system, rotors attach to your vehicle's wheels. The friction with brake pads over time creates grooves and cracks. The process of resurfacing restores rotors to a "like-new" condition, reducing noise and wobbling. At Auto Performance Center, we inspect your rotors thoroughly and recommend the best course of action.
FAQs About Brakes
What percent of brake pad life is 3mm?
When you purchase a new brake pad, it has a standard thickness of around 8 to 12 mm or about a half inch. Over time, your car's brake pad will wear away. A brake pad at 3 mm or around one tenth of an inch will take around 40,000 miles of driving to completely wear out. Don't wait until then to replace your brake pads. Once your brake pads reach 3 mm it is recommended that you schedule an appointment to get them replaced soon.Why is my dashboard brake light on?
If the brake light indicator appears on your dashboard, it's either time for regular brake maintenance or an alert to a potential problem. Stop by Auto Performance Center and let us help you diagnose this issue quickly.What is the 30-30-30 rule for brakes?
Brake specialists advise initiating new brake pads by using a 30-30-30 method: Perform 30 gradual stops from 30 mph, allowing 30 seconds between each stop for the brakes to cool. This process protects against excessive heat buildup until the resins in the pads have completely cured.Why are my brakes squeaking?
Noises coming from your brakes do not usually indicate a high-cost auto repair. It could be a foreign object such as a small stone or road debris. It could also be a signal that your brake-pads are wearing out and need replacing. As brake pads wear bits of metal in your brake pad come in contact with the rotor to create a squeaking noise when you apply the brakes.Why are my brakes making a grinding noise?
Grinding noises usually indicate that your car's brake system is overdue for maintenance. The grinding sound is usually caused by the brake pad being completely worn away or the brake shoe scraping on metal contact points.Why are my brakes vibrating?
If your car shakes or vibrates or wobbles when you apply the brakes, it indicates that the thickness of your rotor is uneven. Brake rotors are large, perfectly round, smooth metal discs that sit inside of the wheels. When the disc has become misshapen or unevenly worn it will vibrate or wobble when you hit the brakes. Left uneven, the material will continue to build on the uneven spots, making the problem worse over time. Come to Auto Performance Center to get the face of your car's brake rotors resurfaced to fix the problem.How do I know if my car is leaking brake fluid?
If your car does not stop as quickly as you expect you may be leaking brake fluid. This is a serious problem. An important part of the braking process involves brake fluid, which is used to create hydraulic pressure against the brake caliper. If your vehicle is leaking brake fluid, you won't be able to stop safely. We recommend taking your vehicle to an auto repair shop as quickly as possible if it is leaking brake fluid.Why is my car pulling to one side when I am braking?
If your car is pulling to one side when braking it may be a bad brake hose or a caliper issue causing one brake to engage while the other is not. This causes a pull on the side where the brake is working properly.Why are my brakes making a burning smell?
Overheated brakes cause a noticeable burning chemical smell. Pull over to a safe place and allow the brakes to cool. Ensure you did not accidentally leave the parking brake on. If there's any smoke coming from a wheel, it may be that the brake caliper is malfunctioning and locked in place. In this case, it may be unsafe to continue driving.What are the 3 signs that brake pads are worn?
The three most common sounds that indicate you need to replace your brake pads are squeaking, grinding or the dashboard brake indicator light coming on.What are the 3 types of brake pads?
There are three main types of brake pads in use today: non-asbestos organic, ceramic and semi-metallic. Come by Auto Performance Center or consult your car's owner's manual to determine which type is best for your vehicle.To learn more about our Brake services, call us at 919-772-5957 or request a quote by clicking below:
Request Quote
Discover More About Brake Repair Services At Auto Performance Center in Garner
Customer Service
Contact Us
Tire Repair Services
What our clients are saying about us
We have established longterm and stable partnerships with various clients thanks to our excellence in solving their automotive needs!
Auto Performance has been my go to mechanic for my personal and company vehicles for about 30 years. Steve Ward is a master mechanic and great to work with. Same goes for his staff. They always do an awesome job and stand by their work. They are ethical in their diagnosis of what the problem is and then fix the problem without excuses. Take your car here first.
I needed body work done on my pickup truck. I spoke with Mr. Ward regarding estimates. Their prices were very fair, and I authorized the work. My particular repairs required paint work; body work; and some mechanical work. The finished product was excellent! Additionally, both Mr. Ward and Mya (from the office) kept in touch with me throughout the process, with updates and answers to my questions. They were both so friendly, quick, and competent! I will definitely be back should I need auto body repair, and I would happily recommend their shop to anyone!


text:
What should a person do if he/she urgently needs money? One of the options is to take a payday loan in a microfinance organization. So, how to get online payday loans West Allis in WI or a cash loan from a credit organization on the most favorable terms.
Payday loans are issued for a short period. They are usually small loans up to $500. Microfinance organizations issue cash loans online round the clock. They proffer you to take a loan without guarantors. You will only need to provide a minimal set of documents. Moreover, they issue credits without the check of the credit record. Banks also issue payday credits, but you need to provide a lot of documents and wait for a long time till your loan request is approved. Besides, if your previous credit experience is bad, you will hardly get a loan at the bank.
Credit companies also issue loans quickly enough: if you correctly enter all the data during the application filling out, the money will be credited to the card promptly. This option is suitable for those who need money urgently.
What to pay attention to when you take a loan from a microfinance organization?
- Read the loan treaty carefully. The treaty may contain some nuances that will not be written on the site. To avoid additional expenses, it's recommended to study the content of the loan treaty carefully.
- Calculate the payment date. Even one day of delay will affect your credit history. Moreover, high penalties are being charged.
- Read the clients' reviews to understand whether you want to deal with the company or not.
What should a person know about West Allis payday loans online?
To apply for quick West Allis payday loans online, you need to meet the following criteria:
- Be of legal age (18 and more). If you are less than 18, you will get a refusal because it's illegal;
- You must have a steady income and be able to confirm this;
- A loaner must live in the USA;
- Have a bank account.
You can apply for West Allis payday loans on the website of the credit company, so you should go to it. First, carefully study the conditions, then filling out the application and other formalities will take you a few minutes.
- You need to register and specify your personal details correctly;
- You must enter a valid phone number;
- Specify a valid email address. A loan treaty will be sent to it. Study it carefully not to be unpleasantly surprised with the penalties for late repayment.
- Wait until your loan application is approved and get your loan.
- Repay your pay day loan West Allis of Wisconsin in time.
You don't need to provide a lot of documents. All you need is Internet access, a mobile phone, a minimal set of documents, and a bank card. Thus, the micro-credit service is a comfortable way to solve your financial difficulties in the shortest time.
How to get approved for the best payday loans in West Allis of Wisconsin WI?
To get approved for the instant West Allis payday loans online, you need to comply with some simple criteria. First of all, a person must reach the age of majority to be able to qualify for West Allis payday loans from direct lenders. Secondly, a loaner must provide the documents confirming his/her stable income. Thirdly, a person must live in the USA and have an open bank account. If you comply with these criteria, you will be guaranteed to get a loan online.
Does it take long to get approved for easy payday loans West Allis of Wisconsin?
It's quite quick to get approval for payday loans West Allis no checking account. You will have to wait several minutes until the loan request is processed, and the decision is made whether to issue a loan or not. If you meet all the requirements, you will get your cash advance without any problems. Primary, you must discuss all the conditions with the lender. After that, you need to provide the required documents. Don't worry if you have a bad credit record. The loan is issued with no credit check. After you discussed all the issues with the creditor, be ready to get your credit very quickly.
How many checkmate payday loans West Allis in WI can a person get?
All reputable credit companies adhere to the laws regulated by the state regarding the payday loans obtaining. All conditions, rights, and obligations are specified in the loan treaty. Study this document carefully before you enter into the loan agreement. This will help you to avoid unpleasant situations. According to the state laws, one loan can be given to one borrower. A loan must be covered within the period indicated in the loan treaty. Violation of this condition leads to the penalties. They are rather high. So, if you are not sure that you will be able to pay off your loan, think about other alternatives to get cash.
What additional fees a loaner needs to pay for online payday loans West Allis in Wisconsin?
You must pay your installment in time because the additional fees will be charged if you weren't able to cover it in time. All information about the fees and interest is contained in the loan treaty. Read it carefully because sometimes the interest you need to pay off is higher than the sum you've initially borrowed. Be responsible and don't take a loan if you are not sure that you will be able to pay it off. Calculate everything thoroughly - the steps you must take to return your debt.
What steps should a person take to get payday loans West Allis no credit check?
Sometimes a question may arise "I need a loan. Where can I take payday loans West Allis near me?" Actually, you don't even need to go anywhere to receive a credit. Apply your laptop or another device with Internet access to find a credit company. Then you need to stick to the following steps:
- Skip to the credit company's page;
- Read the conditions the company set for its clients to get a loan;
- Fill out the application, providing all the required data. All the data must be valid; it's being checked, and if a mistake is detected, your application will be denied;
- Wait for a loan request approval and get money to your card;
- Return your debt within a specified time.
Benefits of getting loans from credit companies:
- Quick approval;
- Usually, the credit companies work around the clock — you can apply for payday advance loans West Allis in Wisconsin WI even at night.
- Interesting promotions, discounts and bonuses for newcomers and regular customers;
- Minimum set of documents;
- Loans are issued even without a credit record check.
The microfinance organizations process hundreds of loan requests every day. 4 out of 5 applications will receive an approval. When considering applications, the steady income and the age of the loaner are taken into account.
Why may a loaner get refusal in payday loans?
If you don't meet the criteria the credit company sets for its clients, you may get a refusal. The main parameters for getting fast payday loans West Allis no credit check are:
- The age of the majority of the client. Only a person who reaches 18 can qualify for a credit;
- Stable income. You must be able to confirm your regular income by providing the appropriate documents;
- Availability of a bank account. Money will be credited to it;
- The USA residence;
If you don't comply with these criteria, you will get a refusal. Moreover, if you have specified wrong data during the procedure of application filling out, your loan request will be denied.
How much do you need to pay for West Allis payday loans?
A person who has a financial need often thinks, "Where can I get a payday loan near me, and how much will it cost?" Actually, you don't need to go to the bank department or the land-based credit company. The whole procedure can be made remotely. Of course, you will have to pay more for the loan issued by the credit company if you compare it with the bank credits. Usually, a lender takes $15 extra for every $100 you've borrowed. It's approximately 391% APR. You will also be obliged to pay penalties if you are not able to cover a loan in time. But you can get a loan fast and without credit history check if apply to the credit company. Think all the pros and cons before you qualify for payday loans West Allis no credit check.
What methods are available to cover 24 hour payday loans West Allis of Wisconsin?
You are obliged to pay off your loan in time, not to get penalties. There are several ways to pay for your credit. Choose the way that is the most suitable for you:
- The most convenient method to pay off your debt is on the site of the credit company. You can do it at home at any time you want.
- You can also pay at the bank department. Choose the one that is near the place of your residence to cover your online loans.
- Terminals are also one of the popular ways to pay for the loan.
All loans must be returned in time. Otherwise, it will result in high penalties. You can also try to find alternative ways to get cash if you are not sure that you can return your debts.
What alternatives are available not to take payday loans West Allis online?
As the loaners claim, it's more advantageous to take 24 hour payday loans West Allis in WI from the credit companies than from the banks. The whole procedure is simplified, and minimum documents are required. Still, loans from credit companies have some significant disadvantages:
- High interest rates;
- The loan is issued for a short period.
- High penalties for late repayment.
That's why some people try to find other alternatives to avoid the payday loans obtaining. Here are some examples of how to avoid applying for the payday credits:
- Try to shorten your expenses;
- Borrow from relatives or friends;
- Take another loan type.
How can a credit company help?
Today, there are a lot of ways to get money. You can get payday loans in the online lending service immediately. This is one of the most convenient ways to control your personal budget and avoid getting into debt. Yes, don't be surprised: there is a fundamental difference between getting a payday loan from a financial institution and borrowing from a colleague.
Let's start with the fact that when you borrow from friends and colleagues, you can't fully control the situation. You can't sign contracts with your friends. And no one can guarantee that your lender will not immediately demand repayment of the debt – at the very moment when you are least ready for it.
Entirely another thing is the micro-loans service. Here you can not only get the best 24 hour payday loans West Allis in Wisconsin, but also track all cash flows. Just go to the website of the company, apply for a loan, and you will be given access to your personal account, where the issued amount, accrued interest, the loan repayment date, the full amount to be repaid, and all the necessary information is clearly described.
There are a lot of credit companies on the Internet. To choose a reliable one, you should pay attention to:
- A reputable credit company must have the appropriate documents allowing financial activities;
- Read clients' reviews. They will help you to understand whether to deal with this company or not;
- Carefully study the loan treaty. This document contains important information about fees, penalties, and conditions of the loan obtaining.
Payday loans can really help you if you will reasonably approach to their obtaining.

subset: commoncrawl


text:
Organics Mini Pak
This Organics Mini Pak is truly a one-of-a-kind compilation of natural wooden elements and papers. Includes 2 wood block papers (one bold and natural, the other light and grunged), a 12 inch tall custom word art quote written on a painted canvas with dried branch, an 11-inch tall wooden board with polaroid frame/greenery (with and without drop shadow), a 12x12 wood block frame, tape, and 9 artsy wooden elements. Wonderful for all your scrapping and art collage needs! See our blog here for more ideas on using this kit!
Artist: Michelle Shefveland & Rachel Shefveland
Photographers, Videographers, Scrapbook Artists, and other digital artists...learn about our Limited Professional Use License option here.
Includes 12 PNG and 3 JPG files
Resolution 300 dpi
Zip Download file size: 40 MB
Below are descriptions of the Personal Use and Limited Professional Use License Options (you can pick which license for each product you order):
Personal Use License Agreement: All images contained on CD-ROM or download kit are the product of CottageArts.net and are protected by United States and International copyright law. This is a legal agreement between you and CottageArts.net, LLC. Read this agreement before you make purchase. By making Personal Use purchase you agree to be bound by the terms of this agreement.
CottageArts.net grants you a personal, non-transferable, nonexclusive right to load the images you have selected onto your computer hard drive. Any use, copying, adaptation, reproduction, or distribution for commercial/ professional purposes without the written permission of CottageArts.net is prohibited, unless Professional Use License option is selected during purchase. If you are unsure of your rights under this agreement or would like to use our products for professional use, see below for more information.
Limited Professional Use License Agreement
Note: Upon purchase of a Limited Professonal Use License option on a product, the following License Agreement applies to the product(s) purchased. For Panstoria/Artisan customers, please contact us here for information on purchasing a Limited Pro License.
A Limited Professional Use License is between you (either an individual or a single entity) and CottageArts.net™, LLC ("Licensor" or "us") and covers your use of the Simply Digital™ Product Line, related Graphics components, and documentation (all of which are referred to herein as the "Graphics").
In order to allow professional photographers, scrapbookers, genealogical preservationists, and other photographic related artists to be able to obtain a license to use the Graphics for certain frequently requested Professional and non-personal uses, we have prepared this Limited Professional Use License. Only the limited professional or non-personal uses of the Graphics expressly described below can be licensed under this Limited Professional Use License. We have attempted to consider the various needs of our licensees. If you would like us to consider issuing a license for a commercial or non-personal use of the Graphics other than those described below, please contact us at firstname.lastname@example.com.
License Fee Payment; Limited Professional Use License.
Upon payment of the License Fee, Licensor grants you the non-exclusive, non-transferable right to install the Graphics on up to two personal computers, notebooks, or workstations for use by one single user (see below for back-up authorization). Upon payment of the License Fee you shall have a license (subject to the Termination provisions below) to install and use the Graphics in accordance with the terms of this Agreement.
Authorization. With this license you may by a single user:
1. Copy the Graphics into any machine readable form for backup or archival purposes in support of the Graphics on the single computer.
2. Use the files on the CDs or in the downloaded collections for which the License is purchased (one license required per CD or per downloadable kit) to create and sell custom works of art for others.
These works can take the form of printed copies or flattened computer files such as .jpg, .tif, .pdf, or .gif. These works must be substantially modified and personalized by inclusion of photographs and other images or journaling.
You may not under any circumstance sell, lend, or give away computer files created from the Graphics that contain layers including but not limited to .psd, pspimage, .png, etc.
Mass production of each custom work (more than 20 copies) is not allowed, as that is not considered a custom work.
3. Use the CDs or downloadable collections' Graphics according to our personal use license found above in the Personal Use License section.
4. Create marketing or publishing materials for others as a freelance graphic artist with Graphics, if paid a one-time fee or hourly rate by a vendor. An example of this use would be to design a book cover using Graphics. Written credit on printed material must be given to CottageArts.net in these cases.
5. Use Graphics to design your own commercial web site or commercial blog, as long as the site is unrelated to digital scrapbooking, graphic arts, or graphic design.
Restrictions on Use.
1. You may not claim the Graphics as your own. Copyright for Graphics retained by CottageArts.net, LLC.
2. You may not redistribute the Graphics without Licensor's prior written consent.
3. Although you may modify or alter the Graphics for your own use (including copies that extend, or enhance the Graphics), you may not distribute, transfer, or resell the modified or derivative copies of the Graphics (except as stated in Authorization clause above).
4. You may not create derivative works to resell to retailer.
5. You may not create derivative works to license to reseller.
6. You may not use Graphics in obscene or unethical manner.
7. You may not create derivative works for your employer.
8. You may not create templates for resale on web, eBay, Etsy, photo lab printers, or photo kiosks using Graphics.
9. You may not use such copies in a way that violates the terms of this Agreement.
10. You may not create marketing or publishing materials for your employer (see Authorization clause if you are freelance graphic artist).
11. The Graphics may not be used for direct, or indirect professional purposes without first obtaining a Professional Use License from Licensor that covers your intended use.
Licensor shall have the right to determine, in its sole discretion, whether a use is within the scope of the licensed uses described above. Any use of the Graphics for which you have not obtained a license from Licensor is expressly prohibited.
If your intended use fall outside the allowed uses, please contact us with specifics and we can provide a custom license rate for you.


text:
- In stock, ready for immediate shipment
- Inventory on the way
- "No Worries" 30-Day Returns
- Free shipping on orders $99 or more (excludes bulky items)
Adrenalin Beach Junior Long Sleeve Rashie - Blue
- Highest Quality, Longest Lasting Lycra
- UPF50+ Maximum UPF protection rating available to covered areas
- Superior quality Span-Flex Lycra
- Designed to wear wet or dry
- Flatlock stitching for comfort and extra strength in seams
- Generously cut allowing a comfortable fit
- Cut with extra length in the back to prevent ride-up
- Turtle neck for extra sun & rash protection
- Fade Resistant to last season after season
Goes well with
Free Australia Wide Shipping on orders $99 or more!*
We aim to provide Same Day Despatch for most orders received by 12pm, during business days (Mon-Fri), otherwise orders will generally be shipped within 1 business day. We use Australia Post Parcel Post for most orders and select couriers for bulky items.
* Free Shipping offer excludes bulky items such as such as surfboards, bodyboards, heavy board racks and certain other bulky items. For these items either an option will be presented at checkout or feel free to call us and we can discuss custom shipping options directly depending on the item and destination.
We offer the following shipping options for non-bulky items at checkout:
Standard: Arrives in 2-14 business days
- FREE for orders $99 or more*
- $8.00 for orders less than $99*
- NSW, ACT Arrives in 2-4 business days
- QLD, VIC Arrives in 3-5 business days
- SA, TAS, WA Arrives in 4-7 business days
- NT Arrives in 7-11 business days
Express: Arrives in 1-3 business days
- $10.00 for orders $99 or more*
- $15.00 for orders less than $99*
- NSW, ACT Arrives in 1-2 business days
- QLD, SA, VIC, WA Arrives in 2-4 business days
- NT Arrives in 3-5 business days
Additional Shipment Information
- We process orders Monday-Friday (excluding holidays).
- Orders are not delivered on weekends or holidays.
- You will receive an email with the tracking number once the label has been created for your order.
- Please ensure your shipping address is correct as we are unable to redirect orders once they are on their way to you.
- We do not currently ship internationally.
Click and Collect
If you would like to collect your item from our Collaroy Store, select "Pick up from Store" during checkout. We will gladly hold your item(s) until ready to collect. We can only hold items for a maximum of 14 days, otherwise you will be refunded and the item returned to our stock.


text:
Are you paying too much for Waklert? Save up to 80% when purchasing your prescription drugs from ExpressMedsCanada.to. Our prescription service aspires to conveniently provide you with affordable medications at the lowest prices in Canada and internationally.
We're working with a number of Canadian and international pharmacy partners, all licensed by their qualified governmental regulatory bodies. By collaborating with our partners, we are able to offer a wide range of brand and generic medications at very competitive prices. You can obtain discount prescription drugs through our online pharmacy. Our prices are already up to 80% lower than your local pharmacy. We are committed to providing you with the best service and prices. This is why we'll match the price of any of our online pharmacy competitors who require a valid prescription.
Order Waklert at a discount price today!


text:
Product Name: Parking Cable
Product Number: FST-HO-1314
1. Please check OEM number before purchasing.
2. Please allow 1-3cm tolerance of package due to manual measurement. Thanks for your understanding.
3. Monitors are not calibrated same, item color displayed in photos may be showing slightly
different from the real object. Please take the real one as standard
4.Product size, the error generally does not exceed 0.1 mm


text:
Play this sound with using voicemod app
For Windows 10/11 and macOS
mmy leg
#my leg,#spongebob,#hurt
The MY legg meme sound belongs to the memes. In this category you have all sound effects, voices and sound clips to play, download and share.
Find more sounds like the MY legg one in the memes category page. Remember you can always share any sound with your friends on social media and other apps or upload your own sound clip.


text:
Le Mans Laserzone
Contact Laser Games for Kids in Dandenong South
Request QuoteBook Laser Games for Kids in Dandenong South
Request BookingBusiness Address: 59 Waterview Close Dandenong South VIC 3175
Additional Information
Kids age groups 7-9 years old, 10-12 years old, 13-15 years old, 15-18 years old
Opening & Closing time 10:00-23:00
Special Offers
This business has no special offers.
This business has no events.
This business has no reviews yet. Be the first to write a review.
Expert Articles
This business has no expert articles.
Business Categories
This business offers the following services or products:
- Laser Games
- Party Ideas
- Play School Holiday Activities
About Us
Our mission at ActiveActivities is to connect parents and carers with providers of kids activities and make it quick and easy to find, compare and select the best activities based on your search criteria. We are building the most comprehensive online marketplace in Australia of activities for children and toddlers for all occasions including kids events, general activities and school holiday activities. You can quickly find and easily contact kids activity providers using our online marketplace.
If you have used one of the kids activity providers on ActiveActivities, can you please add a review about that business to the website?
If you offer kids activities of any description, please add your details to the site and become part of our online marketplace today.


text:
This is TALK OF THE NATION. I'm Neal Conan in Washington. Less than 10 hours from now, we arrive at the political deadline set by Congress and the president a year and a half ago when they mandated a deal on taxes and spending so awful, so unthinkable, that the prospect would surely force a compromise.
Over the past several days, a plan proposed by Republican Speaker John Boehner failed in the House of Representatives. Then the Democratically-controlled Senate couldn't come up with an agreement either. Then a few minutes ago, President Obama said there's a deal within sight but not done yet.
We'll hear his remarks in full, then analysis from the White House and from Capitol Hill. But first to what President Obama said before an audience of supporters in the South Court Auditorium of the White House.
PRESIDENT BARACK OBAMA: Now, I realize that the last thing you want to hear on New Year's Eve is another speech from me, but I do need to talk about the progress that's being made in Congress today.
For the last few days, leaders in both parties have been working toward an agreement that will prevent a middle-class tax hike from hitting 98 percent of all Americans starting tomorrow.
Preventing that tax hike has been my top priority because the last thing folks like the folks up here on this stage can afford right now is to pay an extra $2,000 in taxes next year. Middle-class families can't afford it. Businesses can't afford it. Our economy can't afford it.
Now, today it appears that an agreement to prevent this New Year's tax hike is within sight. But it's not done. There are still issues left to resolve, but we're hopeful that Congress can get it done. But it's not done.
And so part of the reason that I wanted to speak to all of you here today is to make sure that we emphasize to Congress and that members of both parties understand that all across America this is a pressing concern on people's minds.
Now, the potential agreement that's being talked about would not only make sure that taxes don't go up on middle-class families, it also would extend tax credits for families with children. It would extend our tuition tax credit that's helped millions of families pay for college. It would extend tax credits for clean energy companies that are creating jobs and reducing our dependence on foreign oil. It would extend unemployment insurance to two million Americans who are out there still actively looking for a job.
I have to say that ever since I took office, throughout the campaign and over the last couple of months, my preference would have been to solve all these problems in the context of a larger agreement, a bigger deal, a grand bargain, whatever you want to call it, that solves our deficit problems in a balanced and responsible way, that doesn't just deal with the taxes but deals with the spending in a balanced way so that we can put all this behind us and just focusing on growing our economy.
But with this Congress, that was obviously a little too much to hope for at this time.
OBAMA: It may be we can do it in stages. We're going to solve this problem instead in several steps.
Last year, in 2011, we started reducing the deficit through $1 trillion in spending cuts. Those have already taken place. The agreement being worked on right now would further reduce the deficit by asking the wealthiest two percent of Americans to pay higher taxes for the first time in two decades. So that would add additional hundreds of billions of dollars to deficit reduction. So that's progress, but we're going to need to do more.
You know, keep in mind that just last month Republicans in Congress said they would never agree to raise tax rates on the wealthiest Americans. Obviously the agreement that's currently discussed would raise those rates and raise them permanently. Now...
OBAMA: But keep in mind, we're going to still have more work to do. We still have deficits that have to be dealt with. We're still going to have to think about how we put our economy on a long-term trajectory of growth, how we continue to make investments in things like education, things like infrastructure, that help our economy grow.
And keep in mind that the threat of tax hikes going up is only one part of this so-called fiscal cliff that everybody has been talking about. What we also have facing us, starting tomorrow, are automatic spending cuts that are scheduled to go into effect.
And keep in mind that some of these spending cuts that Congress has said will automatically go into effect have an impact on our Defense Department, but they also have an impact on things like Head Start. And so there are some programs scheduled to be cut that we're using an ax instead of a scalpel. May not always be the smartest cuts. And so that is a piece of business that still has to be taken care of.
And I want to make clear that any agreement we have to deal with these automatic spending cuts that are being threatened for next month, those also have to be balanced. Because remember, my principle always has been let's do things in a balanced, responsible way. And that means the revenues have to be part of the equation in turning off the sequester and eliminating these automatic spending cuts, as well as spending cuts.
Now, the same is true for any future deficit agreement. Obviously we're going to have to do more to reduce our debt and our deficit. I'm willing to do more, but it's going to have to be balanced. We're going to have do it in a balanced, responsible way.
For example, I'm willing to reduce our government's Medicare bills by finding new ways to reduce the cost of health care in this country. That's something that we all should agree on. You know, we want to make sure that Medicare is there for future generations. But the current trajectory of health care costs is going up so high, we've got to find ways to make sure that it's sustainable.
But that kind of reform has to go hand and hand with doing some more work to reform our tax code, so that wealthy individuals, the biggest corporations, can't take advantage of loopholes and deductions that aren't available to most of the folks standing up here, aren't available to most Americans.
So there's still more work to be done in the tax code to make it fairer, even as we're also looking at how we can strengthen something like Medicare.
Now, if Republicans think that I will finish the job of deficit reduction through spending cuts alone - and you hear that sometimes coming from them, that sort of after today we're just going to try to shove only spending cuts down, you know, well - shove spending - shove spending cuts at us...
OBAMA: ...that will hurt seniors, or hurt students, or hurt middle-class families, without asking also equivalent sacrifice from millionaires or companies with a lot of lobbyists, et cetera, if they think that's going to be the formula for how we solve this thing, then they've another thing coming.
That's not how it's going to work. We've got to do this in a balanced and responsible way. And if we're going to be serious about deficit reduction and debt reduction, then it's going to have to be a matter of shared sacrifice. At least as long as I'm president. And I'm going to be president for the next four years, I hope. So...
OBAMA: So anyway, for now - for now, our most immediate priority is to stop taxes going up for middle-class families, starting tomorrow. I think that is a modest goal that we can accomplish. Democrats and Republicans in Congress have to get this done. But they're not there yet. They are close, but they're not there yet.
And one thing we can count on with respect to this Congress is that if there is even one second left before you have to do what you're supposed to do, they will use that last second.
So as of this point, it looks like I'm going to be spending New Year's here in D.C. You all are going to be hanging out in D.C. too.
OBAMA: I can come to your house? Is that what you said? I don't want to spoil the party.
OBAMA: But the - the people who are with me here today, the people who are watching at home, they need our leaders in Congress to succeed. They need us - they need us to all stay focused on them. Not on politics, not on, you know, special interests.
They need to be focused on families, students, grandmas, you know, folks who are out there working really, really hard and are just looking for a fair shot and some reward for that hard work. They expect our leaders to succeed on their behalf. So do I.
And so keep the pressure on over the next 12 hours or so. Let's see if we can get this thing done. And I thank you all. And if I don't see you, if I don't show up at your house...
OBAMA: ...I want to wish everybody a Happy New Year. Thank you very much. All right.
CONAN: President Obama, addressing a crowd of supporters in the South Auditorium of the White House, the South Court Auditorium of the White House. With us here in Studio 3A is NPR senior Washington editor Ron Elving. And Ron, on a day filled with political anxiety and tension, a very upbeat President Obama.
RON ELVING, BYLINE: Yes, he was smiling. He was making jokes. He seemed to have something to celebrate. Not entirely sure what he has to celebrate yet except perhaps the contours of a deal that if it were to pass Senate and House tonight, or at some point here in the coming hours, would prevent us going over the fiscal cliff with his signature.
And yes, if we're getting close to something that has a shot of doing that, yes, that would be something to celebrate. But a curious, perhaps, bit of public relations on the president's part here to come out and be quite so ebullient and quite so pleased with it all, mentioning the details of things that he likes and perhaps not the details of things he doesn't like so much, implying when he said two percent at the top of the income pyramid that we were going to be bringing up the tax rates on those, on income above $250,000, which would be that percentage - I don't think it's going to be that, if there is a deal tonight. So the president was putting a smiling presidential Obamaesque face on what may be a decidedly more mixed bag of compromise if in fact we get one later on tonight.
CONAN: And we'll see what the reaction is on Capitol Hill after we come back after a short break. We're talking about the fast-approaching deficit reduction deadline. More with NPR's David Welna, plus analysis from Scott Horsley and more from Ron Elving after the break. Stay with us. I'm Neal Conan. It's the TALK OF THE NATION from NPR News.
CONAN: This is TALK OF THE NATION. I'm Neal Conan. About half an hour ago, President Obama addressed the nation from the South Court Auditorium of the White House. A deal to avert the so-called fiscal cliff, he said, is within sight but not done. As he described it, the deal would include provisions to extend unemployment benefits for Americans who are out of work and tax credit extensions for families with children.
The president, though, expressed regret that his hopes for a grand bargain on tax and spending issues will not be realized, saying that with this Congress, it couldn't happen at that time. NPR congressional correspondent David Welna joins us now from Capitol Hill. David, nice to have you with us.
DAVID WELNA, BYLINE: Hi Neal.
CONAN: And as we last understood it, this bargaining is in the Senate with the Republican leader there, Mitch McConnell, and the vice president of the United States, Joe Biden.
WELNA: Right, well, we don't know if Vice President Biden is actually in the Senate right now. We do know that Republican Leader McConnell is in his offices, just off the Senate floor. There's a crowd of reporters waiting outside to see if there's any news coming from inside. The most we've heard is that McConnell has been working the phones very assiduously today, and he has not spoken on the Senate floor at all.
The only leader we've heard from is Democratic Leader Harry Reid, who opened the session, saying that negotiations continue, that they still have differences to bridge. And that's about as much information as we've heard from leadership on where things stand.
CONAN: So the deal as the president outlined it, are there any more details you can offer us now?
WELNA: Well, what we've been hearing is actually that there has been some yielding on the part of Democrats in terms of the threshold for which some income would not be protected from the expiring tax cuts. Two hundred and fifty thousand is what President Obama has spoken of, he just spoke of it, saying 98 percent of the people should be protected; the top two percent would not be.
It looks like Democrats may be ready to yield to $450,000 for household income for a year. That would ensnare only the top tax bracket, and it would mean a lot less revenue coming in, a lot less than they calculated on before, and that may also put a crimp in what other things they can extend or fix.
And it's not clear, the president did not mention the alternative minimum tax fix, which has been talked about up here or the so-called doc fix that would ensure that Medicare doctors would not see a drop in payments by about a quarter after the first of the year.
CONAN: Also unmentioned was a proposal that was on the table, or maybe not, depending who you listened to, to slow the increase in Social Security payments.
WELNA: That's right although that is something that Republican were bandying about yesterday, and Democrats were saying that is a deal-breaker, and Republicans went into conference, coming out saying that is no longer on the table. They were not willing to go to the mat on that one. It was seen as a permanent policy move simply to offset the cost of one year of extending unemployment insurance.
Now, the president did mention the extension of unemployment insurance for two million people who have been unemployed for more than six months. That seems to be part of this deal right now.
CONAN: Well, give us some idea on timing. If this is going to get done by midnight tonight, what's got to happen?
WELNA: Right, you know, it's one thing to get a deal, and it's quite another thing to first get it through the Senate, where just one senator objecting to it could tie this thing up in knots for days and - before it could even come to a final vote. It's not clear whether we're going to get that.
We heard from some senators early today indicating that they were very much opposed to this. In fact, Senator Tom Harkin got up on the floor and, you know, he said that he'd been hearing rumors that $450,000 would be the new threshold rather than $250,000, and he said that just wouldn't work for him.
CONAN: Well, that's a liberal Democrat. There are also conservatives and Republicans like Jim DeMint. If they objected, again this would not go ahead.
WELNA: That's true, and in fact Rand Paul, another conservative Republican with Tea Party backing, said that if there's a deal out there that means raising taxes for anyone, he was not going to be voting for it. Now he did not say I will filibuster it, but imagining that this all got through the Senate, it would then have to go over to the Republican-controlled House.
And the House is possibly even bigger hurdle for such a deal to get through than the Senate because there are so many Republicans who have said they will not raise anyone's taxes. And doing so before midnight tonight would mean that a certain number of taxpayers would be hit by higher tax rates at the top.
If they wait until tomorrow, when all the tax rates have gone back to their Clinton-era levels, and they pass legislation to restore all but the top tax rates, they could simply claim that they voted for a tax cut, and while it didn't cover everybody, at least they did not vote to raise taxes on anyone.
But that would have to be after midnight tonight. We won't see any real consequence of going over a fiscal cliff until Wednesday at the earliest, since tomorrow is a federal holiday. So in theory, Congress may have until tomorrow night to actually get this thing done.
CONAN: David, sounds like you've got an interesting several hours in front of you.
WELNA: Indeed.
CONAN: David Welna, stay tuned, come back to us if you have updates on any reaction from the Republicans and the Democratic leadership on the Hill. Appreciate it.
WELNA: Absolutely, Neal.
CONAN: NPR congressional correspondent David Welna. In the meantime let's now go to Scott Horsley, who's NPR's White House correspondent, and Scott, it sounded, the president said the deal's within sight, it's not done yet, but the president sounded in a celebratory mood.
SCOTT HORSLEY, BYLINE: Well, he did, and that's sort of curious. You know, when he was surrounded there in the South Court Auditorium by these quote-unquote middle-class taxpayers, and I dare say no one on that stage behind the president is in that range above $250,000 and below $450,000, the people who would benefit from apparently this concession that the Democrats have made to raise the threshold at which Bush-era tax cuts would be preserved.
CONAN: And it's interesting, in his appearance on "Meet the Press" on Sunday, the president scolded Congress. He took a couple shots again today.
HORSLEY: Yeah, he said that they always take every second that's available to them, and as David suggests, they may kind of take a pass on tomorrow since the stock market's closed. They may say well, the new year doesn't really begin until Wednesday morning, and that gives them another 24 hours.
CONAN: But in the meantime, the president is hoping to get this deal through the Senate and then through the hurdle of the House of Representatives. Is there any prospect that this is going to be open to a, well, what's called a free vote, an open vote that the Republican leadership is going to let their membership vote whichever way they want?
HORSLEY: Well, remember the president had said he was going to call for a free vote, and up or down vote, in both chambers for a deal that would have kept that threshold at $250,000 and along with the extension in unemployment insurance. So in this case the Republicans actually have gotten a good deal out of this delay, this bargaining, this hard bargaining that they've been doing.
The Democrats have conceded a lot. I think the Republicans would be foolish not to take this and run with it if they can get it.
CONAN: Yet some people might look at it and say it's not as good a deal as they could have had a couple of weeks ago.
HORSLEY: Well, that's right. I mean, the president said today, and it's been the case all along, that he really wanted to get a sort of global deal. He was willing to give up some $800 billion in spending cuts over the course of a decade, $400 billion of that coming from the health care entitlement programs.
You mentioned the change in the way inflation's calculated that he was willing to concede that would have resulted in slower growth in Social Security payments. Big concessions on the part of the Democrats, but all of that would have been in exchange for more than a trillion dollars in new tax revenue, this deal is maybe 60 percent of that, plus a lifting of the debt ceiling, which is something that we're now going to have to fight over again in just a few months if this deal goes through.
There's nothing in this deal that prevents the Republicans from holding the country hostage on the debt ceiling, as well as some new spending on public works, infrastructure. That's something that the president would like to get as a stimulus measure.
Now there are things in this package that are being talked about, extensions of some of the tax cuts that were in the stimulus, which are important to the president, but still they're leaving an awful lot of revenue - the Democrats, that is, are leaving an awful lot of increased revenue on the table if this deal comes through the way it's being reported that they could have had as the president in his report have said for free.
Remember if all those tax - if nothing happens, if no deal is struck, all those tax hikes take place automatically. He never was going to be in a stronger bargaining position to get tax increases out of reluctant Republicans, and it seems, if this deal takes shape the way it's being reported, as if the Democrats have made very big concessions on the tax revenues.
CONAN: And they will...
...Republicans, and it seems if this deal takes shape the way it's being reported as if the Democrats have made very big concessions on the tax revenues.
And they will, as David Welna mentioned earlier, lose some supporters on the liberal side of the Democratic caucus. In the meantime, though, Republicans will have - some Republicans will have surrendered on the philosophical issue of never raising taxes.
SCOTT HORSLEY, BYLINE: Exactly, exactly.
CONAN: All right. Scott Horsley, thank you very much.
BYLINE: Thank you.
CONAN: With us here in Studio 3A is Ron Elving, again, our senior Washington editor. And, Ron, if there is agreement on that, if there is agreement by Republicans to raise taxes, if that philosophical breakthrough has happened, then you're just talking numbers, correct?
ELVING: Theoretically, the question, of course, is the House and I believe has always been the House, even though the action lately has been in the Senate. That's because the House had so completely failed in the attempt first to negotiate with the president and then to pass an alternative - it was called Plan B, the speaker's idea - and that also could not even be brought to the floor for a vote because of lack of support among Republicans, or at least sufficient support among Republicans.
So the problem here is really within the Republican majority in the House. They have not been willing to consider any kind of revenue increase that involved the tax increase by rate on anyone, only revenues that might come from tax reform, kind of a theoretical thing down the road somewhere. And so if this deal gets through the Senate and if indeed Speaker Boehner is willing to have a free vote, as you called it, that the Republicans would be getting their chance to vote on the floor but so would do the Democrats. In other words, it would be brought to the floor and not prevented from coming to the floor.
CONAN: Prevention would have been normally the Republican speaker - or Democratic speaker for that matter - would say, I'm not going to present this important bill unless I'm assured that the majority of my own party is going to vote for it.
ELVING: Which has, as a practical matter, been the overwhelming majority of my party. If I could have, let's say, 200 votes from my party but not the last 42 votes from my party, that would be a majority of the 242 that John Boehner is trying to get here, but John Boehner has not really wanted to play the game that way. He's wanted to have the clear passage of a bill of this importance with Republican votes only. Now, of course, if some Democrats want to come over and help, that's fine, but he wants to have it with the Republican votes.
That's much, much more difficult than getting a plain, ordinary 50 percent plus one majority of the majority that is the Republicans. So this is very inside baseball. It's the kind of thing that people raise their hands and wave their hands and say, please will you just tell me what they're going to do. Well, this is why it's difficult. It's difficult because the internal politics of the Republican Party, in this case because at this moment they are the majority party in the House, are quite complicated.
And John Boehner does not have their love and endless support, and he is up for re-election on Thursday. That's just a few days away. So he would like not to offend major portions of his Republican majority at this particular moment as he is on practically the eve of his re-election contest.
CONAN: If you just joined us, President Obama has said that a deal to avoid the so-called fiscal cliff is within sight but not done yet. Important details remain to be worked out. And as we've pointed out, that deal is in the U.S. Senate. And well, even if it passes there, it would have to pass the House. You're listening to TALK OF THE NATION from NPR News. And, Ron Elving, one other point, and this is just to emphasize something that Scott Horsley was saying, if this deal, as the president outlined it, is passed, well, that's not settling the problem. It's not hats in the air. This whole thing is settled. We've got the debt ceiling coming up in just a few weeks.
ELVING: And the whole spending issue. All we seemed to really be addressing here is the revenue side. We're talking about the estate tax. We're talking about the income tax. We're talking about the payroll tax. We're talking about the alternative minimum tax, which supposedly this deal will include a permanent fix for, perhaps by indexing it to inflation so it doesn't continue to ensnare more and more and more middle-class families. It was initially created to keep millionaires from avoiding taxation entirely. So all those are revenue issues.
The whole other question of spending which under the fiscal cliff arrangement, if we went over the cliff, there was going to be $1 trillion sequester over 10 years, and this was going to involve $110 billion immediately, and half of it from defense. That was very upsetting to a lot of people. The Defense Department is already seeing some spending cuts. So this was very upsetting to a lot of people too. We have not dealt with that thus far in this deal whatsoever.
CONAN: If the congressional tug-of-war over the end-of-the-year deadline has affected your life in some way, caused you to put off a decision, pushed another one up, give us a call, 800-989-8255. Email us: firstname.lastname@example.com. And let's see - we can start with Sue. Sue is on the line with us from Derby in Kansas. Sue, are you with us? Sue, are you there? I guess Sue has left us. So let's see if we can go instead to - if I can hang up on that call, we'll go to Beth, and Beth is on the line with us from Schenectady in New York.
BETH: Hi. I'm going to try to make this - my mother runs an outreach organization. She deals with the inner-city poor, and I do a little bit of work for her. And it's a constant struggle as it is, and we're talking people who - well, you can't live - I don't care what anybody says. You can't live on welfare. Anyway, I'll just be blunt. I teach creative movement and dance for her a couple of nights a week, but she runs a whole plethora of programs from medical programs to - she does everything and...
CONAN: And how is all this tug-of-war affecting you and her?
BETH: Well, her donations have already dried up, and I've never seen - it's the issue of whether or not she's going to be - people are going to be able to get donations. She gets corporate donations and she gets private donations. And it's, you know, it's a real concern, and it's not just a concern so much - I mean, the organization does outreach work. But if they're going to be making cuts to social programs, that means that makes her job all the more worse.
CONAN: Well, Ron Elving, social programs, we know that some programs, very important to Democrats, Medicare and Medicaid, Social Security, are not part of this sequester, this automatic cut if we do go over the cliff. What about the kinds of programs that Beth is talking about?
ELVING: When I was talking about those cuts a few moments ago, something like 10 percent across the board, is discretionary spending of the federal government. That's the military and all the other programs the federal government has. The non-discretionary ones are the ones we call entitlements. That's Medicare, that's Social Security. It's pension promises that have already been made to veterans and other employees of the federal government. So we're talking about the discretionary staff. And the exact kinds of programs that sometimes get funded to help the poor are very much on the chopping block.
Now, when I said a moment ago that we weren't dealing with that, I mean that the deal that is supposedly in the works in the Senate right now appears to be entirely on the revenue side. And they would just be putting off this sequester for further debate later on, which means we'll have to come back and deal with it. But the cuts would not necessarily be made at midnight tonight.
CONAN: So the spending would continue at the previous year's level, until such time there's a new deal has to be made, whenever the next deadline is.
ELVING: Which would probably be pretty soon. It would be a can kicked on the road, but not very far, down a very short road.
CONAN: But, Beth, we can understand how you and your mother may have some difficult decisions and uncertainty. Thanks very much for the phone call.
BETH: Thank you.
CONAN: We're going to take more of your calls after a short break. Stay with us. I'm Neal Conan. NPR senior Washington editor, Ron Elving, is with us as the president says a deal within sight in the U.S. Congress. Maybe, but it's not done yet. Stay with us. It's the TALK OF THE NATION from NPR News.
CONAN: On this last day before the deadline, we're talking about the so-called fiscal cliff. Just an hour ago, President Obama urged Congress to get a deal done in time. Details of a possible agreement are beginning to emerge, raising tax rates on families with incomes over $450,000 a year, an extension of unemployment benefits, but there is much for Congress left to decided, including whether and how to put off the across-the-board spending cuts after January 1 if no deal is met.
Congress has been deliberating for months now. But we want to hear how the fiscal cliff's back and forth is affecting your life if you've made a decision based on what may happen tomorrow or put one off until later. Call, tell us your story, 800-989-8255. Email us: firstname.lastname@example.com. You can also join the conversation at our website. That's at npr.org. Click on TALK OF THE NATION.
Our guest, Ron Elving, NPR senior Washington editor, with us here in Studio 3A. And, Ron, remind us of some of the stakes here. If the spending cuts and tax increases all go into effect, well, a lot of the economists say, we could expect to go into another recession. A lot of people are going to lose their jobs.
ELVING: This is a large amount of money that we're talking about. The amount of taxation from returning overnight, to the 1990s' levels on all levels of federal income. In other words, if you pay federal income tax, your taxes will go up. The payroll taxes going up. It has been temporarily down to 4.2 percent on all wage-earner income up to about $110,000 a year. That would go up by 2 percentage points, to 6.2, where it was back before the Obama administration lowered it.
That's a lot of taxation money, plus a lot of other things as well, a state tax and what have you. And that would be taking a lot of money out of the economy through taxation. At the same time, this also included an almost unthinkable level of spending cuts over - almost overnight, in a very short period of time in terms of federal budgetary timeline. So that a 10 percent across-the-board cut in discretionary spending - defense and non-defense - would take effect beginning this year. And that was going to be about a $110 billion of spending taken out of the economy.
So when you talk about federal fiscal policy, when you talk about this enormous federal budget, it's taking money out of the economy, putting money back into the economy in other places. But if raise taxes and you lower federal spending at the same time, it has the effect of slowing the economy down. It takes money out of the economy in both ways.
CONAN: And one other factor. When this debt ceiling crisis deal was made, this fiscal cliff was put in place, well, the signs of dysfunction in the U.S. government led one of the big credit agencies to downgrade the U.S. credit from AAA for the very time in history. Might this all convince some of the other agencies to do the same?
ELVING: Yes, and they have threatened to do that, not just because it would necessarily make the United States a different economy overnight or, perhaps, push us back towards recession, but because one of the factors in the credit worthiness of any country in the world or any corporation is its governance. If you've got a bad corporate governance, a bad board of directors, a bad CEO, that's going to affect the credit rating of that company.
And in the case of a government, if you have a dysfunctional government that cannot get its fiscal house in order, or at least do something to show that it's going to at some point down the road - honor its commitments, among other things, raise its debt ceiling if you keep spending money on a cuff - then you don't have a responsible group of individuals to trust. And that's going to lower your credit worthiness.
CONAN: Let's see if we get some callers in on the conversation. Again, has all these wrangling over the spending cuts and the tax increases, has that forced you to change your plans? Give us a call, 800-989-8255. Email us: email@example.com. George is on the line with us from San Jose in California.
GEORGE: Good morning, Neal and guest. My old car is about ready to give up out me, and I've been looking at new cars, a Toyota Corolla I can get for about $20,000, I think. But I need that payroll tax rebate. I get about $2,000 of that - of the payroll tax rebate. If that gets cut for me, I won't be able to purchase it.
CONAN: So it's - the margins are that tight.
GEORGE: Yeah. The margins are that tight. And if I don't get that, I'll have to just put my money into repairing my old car.
CONAN: And what kind of shape is the old car?
GEORGE: Well, it's a 1992, so it's 20 years old. And so, you know, it's constantly breaking down, but that's about the best I can do. It looks like Congress is set to give my $2,000 to my wealthy neighbor, who makes 450,000.
CONAN: So we'll have to see how that works out. George, good luck.
GEORGE: Thank you.
CONAN: Appreciate the phone call. And it's interesting - there's been all this talk, Ron, of pent up demand in the American economy, all the people like George who have put off buying cars. Well, as things have gotten rolling again - the economy has been growing sluggishly for sure, but it's been growing, confidence was building in the fall, the idea that this pent-up demand, the housing market was beginning to come back, that things might begin to take off - this could put a kibosh on that.
ELVING: Oddly enough, there have been so many signs of renewed health in the economy in just the last six months that the stock market, depending on which index you look at, has been up from high single digits to sort of mid-teens over the year, even though it's still a sluggish recovery. But we've seen unemployment drop below 8 percent. We've seen housing prices recover. We've seen foreclosures down, and we've seen American manufacturing coming back in some very heartening ways. But all of that is, in some sense, thrown into or under a cloud if we aren't sure about our credit rating, if we aren't sure we're going to honor our obligations as a federal government and if, as we've been saying, the economy takes a hit because of fiscal policy.
CONAN: Here's an email from Tyler(ph): I'd heard that the charitable gift deduction - tax deduction was on the table in the fiscal cliff discussions. As an orchestral musician, I worry about the effect of such a decision on arts funding. What's the status of the charitable gift deduction at this stage of the discussions?
ELVING: I don't believe that right now we're talking about things of that nature. We're talking about tax rates. We're talking about the alternative minimum tax. We're talking about the estate tax. And there has been a lot of pressure to have a broader tax reform in which we would examine things like itemized deductions that would include charitable deductions. It would - or charitable donations, rather, and other forms of deductions such as one's mortgage payments, the interest portion of those mortgage payments, and you know, things like taxes that people pay to their states and local governments, property taxes. A lot of things that regular, American, middle class families kind of count on to lower their overall federal tax bill might be on the chopping block. But right now, in these negotiations, we're looking at some other elements.
CONAN: Let's go back to - I think this is Sue. Sue called us earlier from Derby, Kansas. We lost her, and she's back on the line with us. Nice of you to - nice to join us.
SUE: Well, thank you.
CONAN: What's your question?
SUE: Well, I had a question initially about whether the property tax and interest - mortgage interest would be on the table at this point. We are senior citizens on a fixed income. Granted, we're comfortable but nowhere near 250,000 a year. We have two sons who are both dependent on military employment for their family's well-being. We have a daughter - I'm sorry, a granddaughter who has diabetes and is very much aware of the changes in medical policy that will affect her as she gets older, as are her parents.
Whatever we do beyond the normal day-to-day living is dependent on the performance of our investments in the stock market, so we're concerned about another recession, seeing another hit to those investments. We're concerned about increased taxes on our interest and dividends that - you know, when we do decide to take money out of our investments. All in all, it's just made us very insecure.
CONAN: It sounds like you're - there's five or six ways your family is being affected, between...
SUE: Definitely.
CONAN: ...your sons and your money in the stock market, and you say you're elderly, so Medicare as well.
SUE: I didn't say elderly. I just made Medicare.
CONAN: OK. All right. That's not elderly.
SUE: But we are on a fixed income.
CONAN: Well, Sue...
SUE: So we understand that aspect of life for a lot of people a lot better now. And we have friends who are unemployed. I mean, you know, we're in the middle of the best(ph) middle class, and we see the effects on everybody around us, you know, people who's unemployment benefits are going to run out, and we're in the Wichita area, where employment has been iffy in the aircraft industry.
CONAN: When you said your sons are relying on the military, are they in uniform or do they work for contractors?
SUE: They're both in reserves. My daughter-in-law is active right now on a contract with the military. And my son is a federal employee working at a military base and very concerned that his job may be affected by the sequester.
CONAN: He's right. It well might be.
SUE: Yeah, so, you know, we've been - even my husband, who is not a political junkie like I am, is concerned. And today we had that conversation, and it raised my level of insecurity to know that he's thinking about those things. So I just wanted to speak for, you know, people who may not be politically active but who are going to be impacted no matter what happens today.
CONAN: Well, Sue, we wish you and your family the best of luck. Thank you very much for the call.
SUE: Thank you. May I just make one other point?
CONAN: Sure.
SUE: Nobody talks about the increases in the day-to-day commodities. You know, at the same we've seen the recession affecting employment and housing and so forth, just trips to the grocery store are disconcerting. And I know if it's hard for me to pay those increased prices for meat and bread and eggs and milk, it must be really horrible for a family, you know, raising children and maybe on unemployment or underemployed. And I think it's time that we start addressing some of those aspects of our economy.
CONAN: Sue, thanks very much...
SUE: Because they've been - OK.
CONAN: It's a really good point. I just wanted to bring that up. Thanks very much for the call. And Ron Elving, one of the other issues that's been hanging fire, if you will, is the agricultural bill and price supports for milk.
ELVING: That's right. And if we don't get that resolved in whatever kind of a deal gets done here in the next few hours, we could see a sudden spike in the price of milk because of the loss of the usual price support. So we could see - people have been talking about $7 a gallon of milk, and I hope that doesn't happen. I'm not trying to scare people. But that would be one of the ways that this freeze-up in Congress's failure to do Congress's compromising business and to reach deals so that legislation can be passed would bite the average American family.
CONAN: A little over an hour ago, President Obama said a deal is within sight. Now, the top Senate Republican, Mitch McConnell, says they are very close to a deal, that the talks with Vice President Biden have been, quote-unquote, successful, agreements reached on all tax issues. That isn't all the issues though. Stay with us. It's TALK OF THE NATION from NPR News. Let's see if we can get to another caller. And this is Liz, and Liz is on the line with us from Orlando.
LIZ: Hi. Thank you for taking my call.
CONAN: Go ahead, please.
LIZ: Well, I actually work for a real estate attorney here in Orlando. And we have a lot of clients who buy and sell mobile home parts which tend to be multi-million dollar transactions. And normally this is a very, very busy time of year for us. And it's just slowed down to a snail's pace. And we've actually had a few contracts canceled specifically because of the insecurities in the taxes next year and the fiscal cliff. So - and then that trickles down to me, and I certainly do make less than 250 a year.
CONAN: And how do your customers express it to you?
LIZ: Well, they usually cancel during our due diligence period. And they just - because of the amount of money that they're spending and the insecurity and what kind of taxes they're going to be paying next year, they'll usually just end up canceling the contract altogether.
CONAN: It's like cars, I guess. You have that free period where you can cancel a contract?
LIZ: Correct. Uh-huh.
CONAN: And so how often is that happening?
LIZ: Well, normally we have a lot more contracts this year. We've only had three contracts signed. And two of those have canceled specifically because of that.
CONAN: It's gonna be a tough year if that goes on.
LIZ: Yeah, exactly.
CONAN: Thanks, very much, Liz. We hope things pick up for you.
LIZ: Thank you so much.
CONAN: And again, it's that automotive industry that played such an important part in the conversation during the election, Ron Elving, how the big three came back after the United States government helped to bail out two of them and parts manufacturers for all of them. And this is going to be a big setback for Detroit if it goes ahead.
ELVING: As we heard earlier from one of our callers, George, he's reconsidering the purchase of a brand new automobile. That obviously makes a difference to the auto industry. And as we heard just now from Liz and earlier from Sue, they have excellent, specific ways in which their life is affected by federal fiscal policy, either because there's a program or because they're being asked to pay taxes in a variety of ways, or both. And it sounded, particularly in Sue's phone call, as though she really did represent half a dozen or more of the different ways that people are going to feel the effects of this bargain if it's not struck, if we do go over the fiscal cliff.
I know it seems like a lot of Washington are on and on, you know, numbers and so on. But these effects can be quite real and can be quite soon for many Americans, most Americans, and we are certainly hoping people don't actually lose their jobs, and we certainly don't want people to have to pay so much more in taxes that they suddenly can't purchase the things that they need. But these are the potential consequences of political failure.
CONAN: We're gonna be talking much more about this tomorrow on TALK OF THE NATION. Obviously we'll bring you an update on whether there is a deal or not. But also we're gonna be hearing about the housing market in particular and focusing on investments as well, how all of this uncertainty is changing people's plans, what they think they're going to do now. But I wanted to read this email from Jim: "I changed my withholdings, claiming far more exemptions to cover the likelihood that no deal would be done before the first of the year but would likely be done and then made retroactive."
Well, you know, a lot of people are thinking, even if we go over this dreaded fiscal cliff, Ron Elving, well, then you're in a situation where you're not worrying about tax increases, you're worrying about tax cuts. You're not talking about spending - you can talk about spending increases as well. The politics completely change. This could be good for people in both parties.
ELVING: I could change enough to be a tipping point to get a more reasonable agreement, if we do go over the cliff, in the quotes, and if we come back next week to come and look at all this again with a slightly different Congress, with a re-elected, perhaps, Speaker John Boehner, with the president having even more leverage than he has now; it's quite possible that a better deal could be struck in the minds of many Americans. And this could all be made - that magic word - retroactive. We could take it all back to midnight tonight and hold everyone harmless. It's even possible that there would be directives given to the IRS: Don't change the rules. Don't send out any new numbers. Tell all the employers and the payroll companies, freeze in place. Give it another so many hours, so many days, maybe 30 days at the maximum. Give Washington another chance. Maybe Washington doesn't deserve it, but give them another chance.
CONAN: Well, just to recap, we had the president say about, oh, an hour and a bit ago, that a deal is within sight. Now, the Republican leader in the Senate says they are very close to a deal agreement on the tax issues, but the Senate needs to continue to talk about reductions in spending. But that a deal for the Senate. It would have to get through the Senate and then get through the House of Representatives. So stay tuned to NPR News for further updates as the fiscal cliff is still approaching. More on this tomorrow on TALK OF THE NATION. I'm Neal Conan, NPR News in Washington. Transcript provided by NPR, Copyright NPR.


text:
Local Storage seems to be disabled in your browser.
For the best experience on our site, be sure to turn on Local Storage in your browser.
Iconic Soul Black Polar Fleece Vest
Product Code | 785-21-55505 |
Care | Wash separately before use. Do not bleach. Warm machine wash. Do not tumble dry. Warm iron. if printed cool iron on reverse. Do not dry clean(X). |
Composition | Polyester |
Brand | Iconic Soul |
Shipping Information
Dispatch Times
Location | Dispatch Timeframe | Delivery Timeframe |
Metro Area | 7-10 business days | 3-6 business days |
Regional Areas | 7-10 business days | 5-7 business days |
Remote Areas | 7-10 business days | 7-9 business days |
Delivery Fee
Lowes Online offers free delivery to anywhere within Australia on orders over $120. For orders below $120 we offer a flat rate delivery fee of $10 Australia wide.
Click & Collect
Click and collect is only available for school uniforms.
Size Chart
Note: From 1st January 2023 Items must be returned within 30 days of purchase, where:
- Item(s) are in the original condition (unworn, unwashed, with all original tags/labels attached)
- Proof of purchase is provided
You can return items to our fulfilment centre for refund


text:
Back To Top
Shopping Bag
You have no items in your shopping Bag.
Product Code : SBD-LNH-169
Email to a Friend
Availability: In stock
Be the first to review this product
✪ Get product from ShoppersBD office without delivery charge, Home delivery is also available. ✪ Free Home Delivery available for more than 5000 BDT shopping. ✪ Home Delivery charge: Inside Dhaka City - 50 Taka, Outside Dhaka - 100 Taka. (Less than 2 KG) ✪ If the delivery location is outside of Dhaka city, advance payment is a requirement. ✪ Product delivery may be interrupted or delayed due to natural disaster or in-case of political unrest. ✪ In case of delivery outside Dhaka, customers may have to collect certain products from the nearby courier service office. ✪ Your booking does not always guarantee product delivery. Product delivery is entirely subjected to availability of stock. ✪ Color of the products may slightly vary due to photography, lighting sources or your monitor setting/ PC resolution.


text:
These tricks will make your child's hearing aids quite the treat!
Decorating hearing aids and cochlear implants is a great idea during this and any time of the year if you know what you're doing. Here we answer some common questions we get about decorating hearing aids and cochlear implants.
1. Can I decorate my child's (or my own) technology?
Sure! Anything that is motivational for children, tweens, and teens is great fun, as long as the "bling" doesn't damage the aid — and there are a variety of options to choose from. Some of our technology partners have hearing aids in bright colors and/or with superhero or animal prints. Stick-on "jewels" designed for use on fingernails are great, as well as simple small stickers.
2. What parts should I be careful of? What materials do you approve of?
It is imperative that decorations do not compromise the microphone ports in any way. Do not risk any moisture penetrating the hearing aid joints from liquid glue, paint, etc. Stickers may leave residue that can be removed with alcohol.
3. What if I'm not that crafty?
Some of our technology partners have pediatric products. Plus there are great resources online. Try looking at Etsy or Pinterest for ideas; we've seen everything from twists to charms, headbands to clip-on pieces. Even if you don't buy anything, these are great resources for inspiration.
4. Have you found that if a child's hearing aids are decorated or "kid friendly," they are more likely to wear them?
Yes! Especially for kids ages 3 to 10 years old. They love the fun colors and superhero accessories. Tweens and teens often enjoy "blinging out" their technology with charms and jewels.
5. Any other tips or tricks?
While this is a Halloween theme, decorating can happen all year — just look for removable options when decorating!
We hear a bump in the night is nothing to be scared of when you've got your hearing aid decorated right!
Before you start decorating, be sure to consult a hearing professional to ensure that your plan won't compromise the performance of the tech or make it more susceptible to loss or damage. Contact us today to start getting crafty!


text:
Yellow Diamond Detail
This is a natural GIA certified 2.02 carat Heart cut Fancy Light Yellow diamond with VS1 clarity - Catalog YDM1095
Click on the GIA logo to view the grading report for this diamond.
The yellow diamond that appears in the video is the actual diamond for sale. You can control the video in a 360° rotation with your mouse or finger.
Diamond Characteristics
Fancy Light Yellow
Report Number
Diamond Proportions
Shape Ratio
Very Good
Thick - Extremely Thick
Love this yellow diamond?
We love it for you and we understand that finding the perfect diamond is an exciting and memorable experience.
At Icestore, we strive to ensure that each customer receives the utmost attention and care in their pursuit of the ideal gem.
To provide you with the best service possible, we must assess and confirm the availability of the diamond of your choice before proceeding with a sale. This ensures that your selected diamond meets our rigorous standards of quality and authenticity.
If you have found a diamond that captures your heart and wish to move forward with a purchase, we kindly request you to complete a short form. This form will help us gather necessary details to expedite the process efficiently.
Once you submit the form, our dedicated Client Services specialists will promptly review your request. Rest assured, within one business day, a member of our team will reach out to you personally to assist you in placing your order.
Your satisfaction and confidence in your purchase are paramount to us, and we are committed to making your diamond-buying experience smooth and enjoyable.
Thank you for choosing us for your diamond, we appreciate it very much and we look forward to serving you with excellence.
Experience Icestore
For 23 amazing years, Icestore has curated an impeccable legacy of excellence in the diamond industry.
Boasting a flawless track record of 100% customer satisfaction, our commitment to unparalleled service and top-tier quality is unwavering. With a pristine 5-star rating on Google and an esteemed A+ rating from the Business Consumer Alliance, Icestore stands as a beacon of trust and reliability.
Free Insured Shipping: Enjoy free shipping on all orders over $10,000, allowing you to save even more on your diamond purchase. We believe in making the buying process as seamless and convenient as possible for our customers.
Price Matching Policy and Low Price Guarantee: Icestore offers a price matching policy, ensuring you get the best deal on your diamond purchase. With our low price guarantee, you can shop confidently knowing you're getting the best value.
30-Day 100% Guarantee on all Loose Diamond Purchases: We stand behind the quality of our diamonds. If you're not completely satisfied with your loose diamond purchase within 30 days, we offer a full refund, no questions asked.
Curated Collection of Top Quality GIA Certified Diamonds: Our collection features only the finest GIA certified diamonds, meticulously curated for their exceptional quality and brilliance. With Icestore, you can trust that you're getting the best of the best.
Flawless Business History of 100% Customer Satisfaction: Icestore has a long-standing history of 100% customer satisfaction. With a 5-star Google rating and an A+ rating from the Business Consumer Alliance, our reputation speaks for itself. When you choose Icestore, you're choosing excellence, trust, and unparalleled service.
Learn About This Diamond
Diamond Shape
A Heart shaped yellow diamond is a unique and romantic choice for those seeking a one-of-a-kind piece of jewelry. This diamond cut features a distinctive heart shape, which symbolizes love, passion, and devotion. The brilliant yellow hue of the diamond adds to its charm and allure, making it a striking and unforgettable gem. The heart shape requires skilled craftsmanship to ensure the symmetry and proportions of the diamond, which adds to its value and exclusivity. Overall, purchasing a Heart shaped yellow diamond is a sentimental and meaningful investment that celebrates the beauty and power of love.
A natural fancy light yellow diamond is a true wonder of nature, dazzling with its stunning hue and sparkling brilliance. Its soft, warm yellow color exudes an unmatched charm and sophistication, and its rarity adds to its allure. This radiant gemstone possesses a unique character, reflecting the beauty and purity of the natural world from which it emerged. With its exquisite beauty and undeniable elegance, a natural fancy light yellow diamond is a treasure to be cherished for a lifetime.
Diamond Color
Fancy Light Yellow
Diamond Clarity
VS1 (Very Slightly Included 1) is a grade in the diamond clarity scale that refers to a diamond with minor inclusions that are visible under 10x magnification but are not visible to the naked eye. Diamonds with a VS1 clarity grade are considered to be of very good quality and offer good value for those seeking a high-quality diamond without a premium price tag. And any inclusions present will be minor and difficult to see even under close examination. While VS1 clarity diamonds may not be as rare as higher clarity grades, they offer excellent quality and value, making them a good option for those looking for a high-quality diamond at a more affordable price point.
Icestore Client Testimonials
Discover the voices of hundreds of satisfied clients who have experienced the exceptional quality and service of Icestore. Our testimonials reflect the trust and reliability that define our brand, showcasing the genuine satisfaction of our valued customers. Dive into a wealth of feedback that underscores our commitment to excellence and integrity in every facet of the diamond-buying experience. Join the ranks of those who have entrusted Icestore for their most precious purchases and experience the difference for yourself.
Ethically Sourced Diamonds
At Icestore, we are dedicated to ensuring that every diamond we offer is not only of exceptional quality but also ethically sourced. Our diamonds are guaranteed to be conflict-free, sourced exclusively from DeBeers sightholders who adhere to the highest ethical standards in the diamond industry.
We are committed to transparency and traceability, utilizing blockchain technology to trace the origins of each diamond back to its source. By adhering to the Kimberley Process and implementing rigorous ethical sourcing practices, we provide our customers with the peace of mind that their diamond purchase upholds the highest standards of integrity and responsibility.
With Icestore, you can trust that your diamond is not only beautiful but also ethically sourced, ensuring a purchase you can feel good about.


text:
- Home /
- Perfectly Diverse Trendz /
- Pastel Teacher Voice 20 oz Tumbler
Pastel Teacher Voice 20 oz Tumbler
$ 100.00 / $ 25.00 minimum
This is a gorgeous 20 oz sublimation tumbler that is double-insulated. TAT is typically one-two weeks after ordering since they are made-to-order. Each tumbler comes with a plastic lid and straw.
Double-wall vacuum insulation keeps drinks hot or cold!
Handle with care. These tumblers are not dishwasher or microwave safe! Not intended to be left for hours in a hot car. These should be hand washed only, but not soaked.
The shop is not responsible for drops or cracks from use.


text:
For Immediate Release: Tuesday, October 29, 2013
Press Line: (312) 729-3715
Email: firstname.lastname@example.com <mailto:email@example.com>
CHICAGO - Get Covered Illinois today announced that its statewide network of partners will host an array of "Cover Your Community" events -- from door-to-door canvassing to community fairs and a parade -- to educate residents about their health care coverage options under the Affordable Care Act (ACA) on Saturday, Nov. 2.
"We know shopping for health insurance can be confusing and we know people all over Illinois have questions and concerns about the process," said Brian Gorman, Director of Outreach and Consumer Education for Get Covered Illinois. "That is why our focus has always been about engaging and educating consumers. 'Cover Your Community' is a coordinated statewide demonstration of that commitment."
The events are planned to coincide with the start of the second month of Get Covered Illinois, and to encourage uninsured residents to continue to learn more about their health care options. More than 160 Cover Your Community events are planned in cities and towns all across the state. For a complete list of Cover Your Community events, please visit getcoveredillinois.gov/get-help/ http://getcoveredillinois.gov/get-help/ . Once on the Get Help page, click the "events page http://getcoveredillinois.gov/events " link, enter your zip code or address, and then filter by the date "Nov. 2" to see what events are happening in your area.
A small sampling of the events planned for Saturday include:
* Casa Juan Diego in Chicago, in partnership with the Pilsen Wellness Center and Casa Guanajuato, will host a traditional family Mexican Day of the Dead festival at 5 p.m. featuring a parade with performing artists and a special altar dedicated to those who died of pre-existing conditions and were unable to get insurance. Bilingual Navigators will be onsite to enroll and answer consumers' questions about their healthcare options.
* La Voz Latina in Rockford, in partnership with the Winnebago County Health Department, will host a Spanish ACA workshop with bilingual Navigators from 5 to 6:30 p.m.
* Truman College in Chicago will host a Health Fair from 9 a.m. to noon sponsored by the Muslim Women Resource Center and the Illinois Coalition for Immigrant and Refugee Rights.
* The Springfield Urban League, in partnership with AmeriCorps, will host volunteers and Navigators as they canvass neighborhoods educating uninsured residents about their health care options from 9 a.m. to 1 p.m.
* Southeast Illinois College in Harrisburg, in partnership with the Egyptian Health Department, will host an education and craft fair from 11 a.m. to 3 p.m. as part of the 36th Annual Heritage Festival.
Under the ACA, thousands of Illinoisans who were previously unable to get insurance can now get covered. All plans included in the Marketplace must:
- Cover recommended preventive services free of charge
- Include a cap on out-of-pocket costs
- Have no lifetime or yearly dollar limit on coverage
- Not reject anyone on the basis of a pre-existing condition
Individuals, families and small business owners have until March 31, 2014 to enroll in a health plan. In order to get coverage beginning in January, enrollment must be completed by Dec. 15.
There are several ways for Illinois residents to enroll for health insurance:
- Visit GetCoveredIllinois.gov to enroll online
- Call 866-311-1119, seven day a week, from 8 a.m. to 8 p.m. to enroll over the phone
- Fill out a paper application at a community partner site with the assistance of a trained Navigator
GetCoveredIllinois.gov http://getcoveredillinois.gov/ is the official website for Illinois residents to compare health plans side-by-side, get help from Navigators or Help Desk phone specialists and apply for financial support. Since launching on October 1, the Get Covered Illinois website has hosted more than 320,000 unique visitors, and more than 147,000 have participated in the online screening tool. On October 20, Get Covered Illinois launched a Spanish-language version of its website.
Follow us on >>
Facebook: www.facebook.com/coveredillinois http://www.facebook.com/coveredillinois
Twitter: @CoveredIllinois
Hashtag: #GetCoveredIllinois
Illinois Department of Human ServicesJB Pritzker, Governor · Dulce M. Quintero, Secretary Designate
IDHS Office Locator
IDHS Help Line 1-800-843-6154 1-866-324-5553 TTY
© 2023 Illinois Department of Human Services


text:
High Net Worth Coverage
Those with a high net worth must have a highly-customized insurance plan with a wider scope of insurance protections. Many own several homes and properties, valuable animals, works of art, and private collections of various types. High-net-worth coverage protects these valuables and can provide protection against identity theft or rare occurrences such as kidnapping and ransom demands. What does your family need to stay protected?
At VanScoter Insurance Agency in Rochester, New York, we work closely with our high-net-worth clients to ensure that every type of insurance is in place to protect against what life may bring.
Executives, business owners, and other high-net-worth individuals face specific challenges, including a higher risk of a lawsuit or claim being filed at some point. Your insurance plan must include adequate liability coverage to protect against the financial losses associated with a lawsuit, including the legal costs to defend against the claim or pay out damages if necessary.
The types of coverage needed can vary greatly; every high-net-worth insurance plan must be customized to meet the specific needs of the individual or family. We work with our high-net-worth clients to put an insurance plan in place that will protect against any eventuality and the potential financial losses that could occur. Talk to us about how to protect all your assets with an insurance plan that makes sense for you and your family. Call now for more information. Our local agency provides concierge-style service to each of our high-net-worth insurance clients.
VanScoter Insurance Agency offers free, comparative quotes on High Net Worth Coverage from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.


text:
Yo Gotti's Brother 'Big Jook' Killed In Memphis Shooting
January 16, 2024 9:32AM EST
Source: YouTube
The Breakfast Club features celebrity interviews, Charlamagne tha God's Donkey of the Day, the Rumor Reports, DJ Envy's mixes and so much more! Every guest visiting the world's most dangerous morning show is grilled with their signature blend of honesty and humor. The results are the best interviews to be found on radio.
More about:


text: All pricing and details are believed to be accurate, but we do not warrant or guarantee such accuracy. The prices shown above, may vary from region to region, as will incentives, and are subject to change. Vehicle information is based off standard equipment and may vary from vehicle to vehicle. Call or email for complete vehicle specific information.