text:
Experts in credit repair in Canova, New Mexico
Credit Repairr experts can help you to credit repair fast.
About Credit Repairr
Reliable Credit Repair
Credit Repairr employs specialists whose sole mission is to assist customers like you in boosting your credit profiles and ratings. We can help with a broad variety of money problems, such as overdue bills, foreclosure, tax liens, and student loans.
- Credit Repair Consultation
- Credit Monitoring
- Credit Building
- Credit Experts
- Credit Repair Company
- Credit Score
About Credit Repairr
See How Credit Repairr Can Work For You!
Look Up Your Credit Report
We provide credit score monitoring for those who require help maintaining tabs on their finances.
Raise Your Credit Score
We provide a comprehensive service to raise your credit score instantly.
24/7 Credit Repair Tracking
In real-time, you can track your credit restoration status with our always-accessible online system.
Fix Your Credit Score
We can monitor your credit score and assist you resolve any problems that may arise.
Get Free Consultation
USA Map
USA Information
The United States is a confederation of 50 states that together span a huge region of North America; the territories of Alaska and Hawaii further extend American influence into the Pacific. New York, a worldwide financial and cultural hub, and Washington, DC, the nation's capital, are both important Atlantic Coast cities. Chicago, a major city in the Midwest, is well-known for its groundbreaking buildings, whereas Hollywood, in Los Angeles, is well-known for its movies.
Living the life you want is one step closer when you have financial independence. But having a strong credit score is a need for making that goal a reality. Higher interest rates and fewer loan possibilities will result from having a bad credit history. Additionally, it could make it more difficult to get homes and get certain financial services. It may even work against you while looking for work in certain circumstances.
You'll be shocked to learn that having bad credit has more repercussions than you would think. However, there is still hope; credit repair firms may help you raise your credit score. That being said, if you're searching for credit repair solutions in Canova New Mexico, you've found the proper spot. Credit repair Canova NM is unquestionably among the greatest credit repair businesses in the region.
We provide reasonably priced lawyer-assisted credit repair services to residents of Canova New Mexico, and nearby communities. For your credit repair requirements in Canova New Mexico, we have a team of highly experienced attorneys and credit repair specialists ready to provide a free consultation. Your credit-related issues, such as erroneous and negative things on your credit report, late payments, collection accounts, bankruptcy, and judgments, will be taken care of by Credit Repair Canova NM.
One thing about our team is that we won't stop until all of your rights are upheld, and we can repair even the most badly damaged credit. We carefully examine your debt and credit history and create a strategy that is unique to your circumstances. We all deserve to have our credit reports and scores to be correct and accurate, and Canova NM credit repair can assist you in getting both. After that, let's look at some of the services that Credit Repair Canova, NM provides.
Services for Canova, NM Credit Repair
The following services are provided by Credit Repair Canova, NM, to assist you in improving your credit and obtaining the desired level of financial stability.
Credit Score Examination
Multiple companies evaluate a person's or a company's credit score to estimate their creditworthiness via credit score analysis. You may obtain, comprehend, use, and guard your credit score all in one spot with the aid of a credit repair Canova, NM credit score study.
Repairing credit
Additionally, Canova, NM credit repair services help individuals successfully repair credit. Our service looks into your credit history, deletes any inaccurate credit reports, and assists you in disputing anything with the three credit reporting agencies. Our goal is to provide credit repair services at the lowest possible cost. Additionally, we provide guidance on how to raise your credit score.
Rebuilding Your Credit Score
You may develop credit with the aid of our credit score-rebuilding service. Later in this essay, we'll go through some strategies for restoring your credit. Watch this space for our comprehensive, step-by-step instruction. On the other hand, if you're just beginning your credit repair process, credit repair Canova NM may give expert advice and customized solutions to match your unique circumstances.
The Complete Guide to Understanding Your Credit Repair Score
Do you currently know what your credit score is? Have you recently requested a credit score report? Well, studies show that just around 25% of Americans regularly check their credit scores. Most individuals find the world of credit scores to be perplexing, and the fact that there is a lot of inaccurate information available just adds to the complexity.
The majority of individuals find it simpler to just ignore their credit information since often what you believe would boost your credit score may really lower it, and vice versa. For this reason, most people choose to ignore their credit information completely. But knowing all the inner aspects of your credit score's operation might help you steer clear of future expensive errors.
We'll go over everything you need to know about your credit score in this part, beginning with why having a high credit score is so important for consumers. We'll also go over why you should choose a Canova NM credit repair company to assist you to resolve your credit score issues. This can help you set yourself up for outstanding credit, regardless of whether you just graduated from high school or are attempting to repair your credit.
A credit score: what is it?
A credit score, which ranges from 300 to 850, reveals a person's creditworthiness. Depending on how well-regarded they are by prospective lenders, consumers will have good credit scores. Typically, this rating is determined by a person's credit history. This contains, among other things, the number of open accounts, the total amount of debt owed, and the repayment history.
Your credit score is used by lenders to assess your chances of the timely loan repayment after borrowing. Despite the fact that there are several credit bureaus in the US, only Experian, TransUnion, and Equifax are of substantial national significance. This triumvirate, which controls the market, is in charge of gathering, examining, and distributing data on users of the credit market.
The credit score model that financial institutions use today was created by the Fair Isaac Corp., commonly referred to as FICO. The FICO Score is the most popular credit rating system, but there are others. By making on-time loan payments and minimizing their debt, individuals may build outstanding credit.
How are credit scores calculated?
Your financial situation is significantly impacted by your credit score. This is due to the fact that it's one of the most crucial aspects lenders consider when determining whether or not to grant you credit. Rather than scouring through several credit reports, they look at your score since it offers them a broad impression of your creditworthiness.
Lenders will classify you as a subprime borrower if your credit score is under 640. Therefore, these institutions will charge higher interest rates than what banks generally do for their traditional clients in order to make up for taking on greater risk. Additionally, lending organizations may even need a co-signer or a shorter loan payback time if you have a poor credit history.
However, if your credit score is 700 or better, you can be eligible for loans with reduced interest rates. A credit score of 800 or more is regarded as exceptional, and creditors favor customers with this score. Although a lot of lenders utilize average FICO ratings, each one has a different strategy for choosing what amount of risk they consider acceptable. Since there are several additional characteristics that lenders consider when setting interest rates, there is no average score that applies to all lenders.
Rating and Ranges for FICO Credit Scores
- Outstanding: 800+
- Excellent: 740 to 799
- Good: 670-739
- Fair: 580-669
- Poor: 580 or below
How Your Credit Score Is Calculated by Credit Reporting Agencies
Website: myfico
Your credit report's diverse credit data is used to construct FICO Scores. Five categories have been used to group this material, including;
- Your payment history (35%): This determines if you have ever been behind on any loan installments or defaulted on one.
- Total credit amounts you owe (30%) – How much you owe in debt and if you've reached the credit limit on any of your cards.
- The length of your credit history (15%) – Determines if you are new to credit or have a lengthy history of borrowing and repaying debts.
- New credit (10%) – How many loans have you recently requested?
Credit mix (10%): Determines if you have a balanced mix of different debts. Credit cards, mortgages, installment loans, and loans for retail accounts may all fall under this category.
Your credit report's positive and negative aspects are taken into account by your total FICO score. The percentages in the graphic we took from myfico.com illustrate how important each area is in calculating your FICO credit score. The significance of each category, however, may differ from person to person under certain circumstances. Why do I say that?
Each person's FICO Score is unique. They base their estimate on the five aforementioned factors, however, for different people, the proportional weight of each item may differ. For example, someone with a recent credit history will have a different credit score computation than someone with a longer credit history. Additionally, the evaluation criteria used to calculate your credit score vary in tandem with changes to your credit report.
A Good Credit Score: What Is It?
The ideal credit score varies depending on the lending organization. The better your credit score, the more responsible credit conduct you have previously shown. This increases the level of comfort potential lenders and creditors have when evaluating a credit request.
Those with credit scores of 670 or above are often thought of as lower-risk consumers by lenders. If your credit score is between the range of 580 and 669, you are considered a subprime borrower. You could find it harder to be authorized for favorable loan conditions as a result. You are deemed to have a poor credit score and would find it challenging to get credit if your score is below 580.
How Important Is a Good Credit Score?
The advantages of having a high credit score are many. Therefore, if you're having trouble with your credit ratings, Canova NM credit repair is something you should look into. You might get better financial offers if you repair your credit in Canova New Mexico.
An individual with a strong credit score, for example, has a higher chance of renting a home from a landlord. Additionally, credit-worthy consumers often experience cheaper interest rates. Here are a few justifications for why you should attempt to raise your credit score.
Loan approval is quicker after Credit Repair.
Access to loans is one of the key benefits of credit repair in Canova New Mexico. Undoubtedly, getting a loan may sometimes be difficult. What's worse is that having a low credit score greatly reduces your ability to get loans.
However, if you have a higher credit score, you will be more likely to be approved for loans, credit cards, and mortgages and will not have to wait as long for acceptance notifications. Additionally, compared to someone with weak credit, you have access to larger borrowing limits.
leading credit card providers
With a good credit score, you can access the greatest credit cards available. This entitles you to better loan conditions, such as reduced interest rates, as well as other benefits, such access to travel amenities, cashback deals, and bonuses.
Companies may sometimes provide you with a purchase with 0% APR, often known as a balance transfer offer. This results in huge savings over time.
better auto insurance prices after Credit Repair
Have you ever attempted to acquire auto insurance while having terrible credit? If you have, you undoubtedly understand how annoying that can be. When you seek for coverage, most insurance companies, if not all of them, will consider your credit score when making a decision.
When determining whether to accept your application and how much to charge you, insurance firms have the discretion to utilize your credit score. Additionally, they could use this information to charge you a higher rate after you become a client or even prevent you from renewing your insurance.
In light of this, having superior credit ensures you get the best prices on auto insurance. Therefore, if your credit score is low, now is the time to look into Canova NM credit repair for your credit repair requirements.
Improved bargaining position after Credit Repair
Even though you will undoubtedly get reduced rates when applying for loans, you may sometimes need to bargain for them. And here is when the importance of your credit score is felt. A great credit score is helpful if you require a credit card or loan.
This implies that you might benefit from tempting deals. However, creditors are less likely to be flexible with the conditions of your loan if you have a low credit score. You may not really acquire the loan in certain circumstances. Fortunately, Canova, NM credit repair might be of assistance to you.
Optional housing
We can all agree that your lifestyle may be influenced by where you live. In these situations, having high credit might provide you access to better housing possibilities. In order to assess a potential tenant's reliability, landlords now examine their credit ratings before renting out their properties.
Easier access to utility services after Credit Repair
You will find it simple to open accounts for utilities like internet and electricity if you have a decent credit score. Undoubtedly, your credit history plays a big role in whether or not you can acquire energy services. This implies that it will be simpler for you to get these services the higher your credit history. Utility providers may also waive the security deposit requirement for customers with excellent credit.
Convenient mobile phone use after Credit Repair
Another reason to obtain credit restoration in Canova, NM is that it could be difficult to acquire a mobile phone if your credit is low. You did really hear correctly! Your credit score is used by cell phone providers to determine whether you are a worthwhile risk or not.
And if you don't, you'll have to pay a security deposit in cash before gaining access to a phone. But if your credit is strong, you may simply avoid making those up-front payments.
Good credit enhances your resume for prospective employment.
Some employers may decide to verify your credit score as part of your application when you submit one for a job. This practical background check essentially aims to determine your reliability and if you should be hired.
Therefore, if you have less-than-perfect credit, most businesses could see this as a possible red signal. It's generally a good idea to check your credit reports. This will enable you to identify any errors in your credit history and take timely corrective action.
Therefore, make sure your credit score is great before applying for any jobs. You may always go to Canova, New Mexico, for credit repair and get qualified assistance. You should see a big increase in your credit score as a result over time.
Boastful status
The pride that comes from having outstanding credit is distinct. You've probably seen how arrogant some of your friends can be about their flawless credit. And it results from getting all these advantages.
Anyone with flawless credit often exhibits evidence of their enjoyment of these advantages. And regrettably, obtaining high credit ratings cannot be rushed. Perfect credit requires a certain amount of trust, which comes with time and perseverance. So it only makes sense to boast about it.
More significantly, it demonstrates your diligence and your integrity as a person. However, if you have poor credit, do not panic. The fact that you recognized it at an appropriate time indicates you have time to take action. Use this chance to chat with Canova, NM credit repair professionals and raise your ratings. It's definitely not something you can cure in a day or two. However, getting there will only be possible if you take baby steps in the correct path.
Contact Us: Click Here
A Step-by-Step Guide to Fixing and Raising Your Credit Score
Before implementing the advice I'll provide in this part, you must first correct any inaccuracies in your credit history if you want to raise your credit score. But before we begin, I'd want to emphasize that establishing good credit or restoring damaged credit requires a lot of effort, self-control, and forbearance. Nobody can improve your credit score quickly; don't believe them.
In actuality, any business that guarantees a rapid remedy for your credit is probably a scam. You must appropriately manage your credit history over time before you notice any change if you want to restore your credit score. In light of this, let's look at some of the measures Credit Repair Canova, NM suggests doing for credit repair and credit score improvement.
Examine your credit reports for any mistakes.
Reviewing your credit report in detail from each credit reporting agency is the first step to restoring and raising your credit score. To find any erroneous, inaccurate, or missing information, get in touch with your lender and the credit reporting organization. Remember that examining credit report inaccuracies won't really affect your credit score when you complete this process.
Make sure to pay your bills promptly after Credit Repair.
Your ability to make timely payments to creditors and lenders is one of the key factors that affect your credit score. In actuality, it contributes 35% to your credit score. While previous issues like late and missing payments cannot be fixed, you may stop additional harm by making future loan repayments on time. And it begins with paying your bills on time since even a few days of late payment may have a negative impact on your credit score.
You may sign up for automatic payments to have payments taken out of your bank account on a regular basis if you often miss deadlines. If you've previously skipped payments, make it right while being consistent. The good news is that a bad credit history won't follow you around forever.
Your credit score rises when you make on-time payments on more of your existing debts. Your current excellent credit standing is shown on your credit report, and previous credit issues often disappear with time. However, if you have a collection account, bear in mind that even after you pay it off, it will continue to appear on your record for up to seven years.
Reduce the Debt You Owe as Much as Possible
30% of your credit score is based on your credit use and how you manage your debt and available credit. Compared to your payment history, this is often easy to repair. But in order to effectively reduce your debt, you'll also need to use the following advice.
Keep your credit card balances modest to start, since having a lot of outstanding debt lowers your credit score. Additionally, simply pay off your credit card debt instead of avoiding it like the plague. Set up a payment schedule that gives your high-interest cards priority.
Although it could be tempting, resist the urge to shut down any of your unused credit cards in an effort to improve your credit ratings. In a similar vein, avoid getting many additional credit cards that you definitely don't need only to boost your credit limit. These strategies often fail and significantly damage your credit score.
Canova, New Mexico Credit Repair: Restore Your Credit
A critical first step to achieving financial security is credit repair. Having good credit gives you greater financial control and shields you from making some of the worst financial choices. If you have attempted the aforementioned suggestions but are still having trouble repairing your credit, it's time to speak with a specialist.
To correct and manage your credit report, go with a business like Credit Repair Canova, NM. Our specialists will help you comprehend the situation of your credit right now and provide you with a trustworthy advice on how to fix it. By using a credit restoration service, you may show your creditors that you're a trustworthy borrower who will make your payments on time.
We provide clients with individually designed strategies to raise their credit ratings and position them for financial success. We are committed to helping you fix your financial situation and raise your credit score. Additionally, we provide Canova, New Mexico, and residents with years of exceptional and professional credit repair client care. That ensures that you will achieve success at the conclusion of your voyage.
Keep in mind that repairing your credit may take time, and you may find it difficult to go on when things don't seem to be going your way. In light of this, get in touch with Credit Repair Canova, NM to find out more about how we can assist.
How to Spot a Credit Repair Scam from a Trustworthy Canova, New Mexico Company
There are many businesses nowadays that will claim they can fix your credit. The fact is that some of them are scams! That's because they often just take your money and don't do anything to assist you. Sadly, if you are new to this, your odds of falling for a scam firm are greater than your chances of finding a reliable Canova, NM credit repair company.
These businesses make exaggerated claims that they can repair your credit and even raise it, but in practice, they do nothing to help you. Instead, scam businesses are likely to vanish after receiving your money, and you have no way of reporting them. So, how can you defend yourself against these businesses? Or, how do you spot a legitimate credit repair business from a fraudulent one? Let's find out, then.
How to spot a fraudulent credit repair business
When working with credit repair businesses, it would be beneficial to keep an eye out for any warning flags. The payment is often the issue. Some businesses will probably put less work into creating an interactive website, which should indicate that they have short-term commercial goals.
A trustworthy business is careful about how it represents itself to the public. Your website is unquestionably your shop, particularly for the online community. Any corporation that takes its business seriously will thus treat its website similarly. A possible warning indicator is a business that doesn't make any attempt to make its UX design seem good.
Payment in advance is not always a huge warning sign. In reality, the likelihood is that you as the consumer will need to make a down payment in order to ultimately obtain the full advantages of any commercial exchange. However, use caution, particularly if the business demands payment in advance of providing the service. It's possible that you won't receive that money back once you transfer the cash and unlock your wallet.
Examine the company's money-back guarantees for transactions to see whether they are permanent. Avoid choosing organizations or enterprises that seem to be transient in nature. There's a good probability they won't be there the next day.
The need to pay upfront
Any business that wants to help its consumers won't compel them to make an upfront payment. The consumer will really choose to pay early if they are happy with the inquiry since it is advantageous to them. Most businesses in this field provide their clients the option to pay after they've gotten their first credit report and seen an improvement.
The relationship between a credit repair business and its clients is often long-lasting. Your credit score may need months or even years to completely improve. As a result, a trustworthy business won't demand payment. They will make sure you understand the value of their services and ease you through the transaction.
And when you begin to notice benefits, that's when you need to make a payment. Scammers, however, would probably demand payment even before they describe their services in detail. In fact, they will pressure you into paying before you have a chance to consider whether to look up their web reputation. You should use caution as a consumer in these circumstances.
There's a possibility that you won't get value for your money. In the worst-case scenario, your credit score can actually decline. Additionally, you should be aware that any advance payments are prohibited, particularly if you have no idea what kind of service you will get or how the organization intends to fix your credit.
A business that promises to delete your bad credit report
You also need to be aware that no one can get rid of bad information from your credit report. I hate to break it to you, but it will stay with you for the next seven or more years. Why? Credit report firms operate in this manner. You can still raise your credit score, however, so don't worry.
Although the adverse information on your credit report will follow you for seven years, you may still take steps to raise your credit score during that period. That's where Canova, NM credit repair can help you.
You may really raise your credit score despite the bad report if you have the correct counselor by your side to help you through this process. And this process does not resolve itself, nor is it something you can just leave in place and return to later to see that everything is in order. No, sirree!
You must work hard at it and seek the correct kind of counsel. You must always keep in mind that nobody can make up for the shortcomings in your report. You shouldn't believe any credit repair firm that makes you this guarantee since they don't know what they're talking about. Unfortunately, they won't improve your situation and might harm your credit score more than help it.
Avoids or refuses to inform you of your rights.
The constitution contains legal documentation of the credit score. Ideally, anybody unaware of their legal rights does not comprehend how credit scores function or how to improve them. Before you decide to use their services, a reputable business should preferably advise you on how you might raise your credit score without spending any money.
There are several things you may do to raise your credit score without visiting a credit repair business. And any business you choose needs to be able to clarify this for you. If they don't, they probably merely intend to con you. More significantly, you may find yourself paying for things that you could do for free. Be careful to avoid paying for services you can get for free at all times.
The business advises against contacting any credit reporting agencies
How else would you know that this business is genuinely raising your credit score, after all? The fact that they are doing nothing and giving you bogus credit reports may surprise you. If the credit repair business is confident in its work, they need to let you do your own research to find possible credit repair options.
In reality, a qualified business is prepared to hear your suggestions and inform you of their viability. Never be naive enough to think that your credit score is being improved when it's not. Take your time, do a thorough investigation, and determine whether or not this firm is enhancing your credit.
Their reputation and internet presence
Do some research on the credit repair firm before reaching for your money. If they are a respectable business, you will undoubtedly find them online. Most businesses provide a variety of methods for customers to contact them, including via social media channels. Any reputable business often has a social media presence as well.
Today, there are a number of options for former clients to submit open feedback about their experiences working with the business. Make sure the reviews are genuine and take them seriously. Scam businesses sometimes use bots that pretend to be reviewed by past clients. So, use caution in that area as well.
Licenses held by the business
Federal statutes and other Acts that come with their licenses are applicable to credit repair businesses. Using the permit, you can spot a phony business from a legal one in a flash. You can quickly distinguish between a competent con artist and a scam artist by adding ratings left by their prior clients.
These permits are issued locally, making it almost hard to fake one. If you find any fakes, you may notify the business and the law will file charges. Having said that, utilize these licenses to distinguish between legitimate and fraudulent businesses.
Customer service solutions for Credit Repair
Scam businesses often don't make an attempt to provide the greatest customer service. Particularly after you've paid for their services, they are impossible to contact. These issues are warning signs, and you should take them seriously. Any reputable credit repair business will take its time and make sure you receive the greatest possible customer service.
This might help you figure out if the business you're dealing with is legitimate or not. One of the top customer services in the history of our sector may be found at Canova, NM credit repair. We go above and above to look after our clients and our staff are always available to answer any inquiries. Since client satisfaction is our first goal, it perfectly sets us apart from our rivals. Give us a call right now so you can verify it for yourself.
Frequently Asked Questions
Your credit score may be severely lowered by inaccurate or unfavorable information on your credit report. Your credit history is repaired by Canova, NM credit repair companies on all three main credit bureau reports. Because it affects your ability to get cheaper interest rates on car loans and mortgages, this service is crucial. Credit rehabilitation services have sometimes had a negative impact on people's ability to get employment. While you may attempt to improve your credit score on your own, doing so is sometimes quite time-consuming and stressful. A professional service will be helpful in this situation.
As required by law, Credit Repair Canova, NM, is a licensed business.
It typically takes three to six months to restore credit when working with Credit repair Canova, New Mexico. Over the course of the exercise, your score will steadily increase. However, bear in mind that it can take years of dedication to restore your credit.
Until the credit restoration procedure is complete, you will typically get new information from the agencies every two to three weeks. Additionally, they will send you letters about your issues directly.
No. While working on fixing your credit, avoid applying for new credit since this might hinder your efforts.
There isn't a certain credit score below which you won't be approved for a mortgage. However, it will be more difficult to get a house loan the lower your credit score.
After receiving your credit reports, submit the original copies to Canova, New Mexico, credit repair for rectification. Additionally, be sure to make copies for your own records.


text:
VA Palo Alto Health Care System – San Jose CBOC | Located In San Jose, CA
San Jose CBOC, part of VA Palo Alto Health Care System, provides Behavioral Health Services, Smoking Cessation, and Substance Abuse Treatment. San Jose CBOC is located in San Jose, California.
VA Palo Alto Health Care System – San Jose CBOC
5855 Silver Creek Valley PlaceSan Jose, CA 95138
Insurance Accepted - Private insurance Self-pay options Financing available Military insurance Financial aid Free Per session: $50 Sliding scale payment assistance
San Jose CBOC, part of VA Palo Alto Health Care System, provides Behavioral Health Services, Smoking Cessation, and Substance Abuse Treatment. San Jose CBOC is located in San Jose, California.
Adult program Elderly program Hearing impaired program Military program Program for men Program for women Young adult program
Levels Of Care
Outpatient: Outpatient Programs (OP) are for those seeking mental rehab or drug rehab, but who also stay at home every night. The main difference between outpatient treatment (OP) and intensive outpatient treatment (IOP) lies in the amount of hours the patient spends at the facility. Most of the time an outpatient program is designed for someone who has completed an inpatient stay and is looking to continue their growth in recovery. Outpatient is not meant to be the starting point, it is commonly referred to as aftercare. Medically Assisted Detox: Drug and alcohol addiction often takes a heavy toll on one\'s body. Over time, a physical dependence can develop, meaning the body physiologically needs the substance to function. Detox is the process of removing drugs and/or alcohol from the body, a process that can be lethal if mismanaged. Medical detox is done by licensed medical professionals who monitor vital signs and keep you safe, healthy, and as comfortable as possible as you go through detox and withdrawal. Aftercare Support: Completing a drug or alcohol rehab program shouldn\'t spell the end of substance abuse treatment. Aftercare involves making a sustainable plan for recovery, including ongoing support. This can include sober living arrangements like halfway houses, career counseling, and setting a patient up with community programs like Alcoholics Anonymous (AA) or Narcotics Anonymous (NA). Intensive Outpatient: Intensive Outpatient Programs (IOP) are for those who want or need a very structured treatment program but who also wish to live at home and continue with certain responsibilities (such as work or school). IOP substance abuse treatment programs vary in duration and intensity, and certain outpatient rehab centers will offer individualized treatment programs. Partial Hospitalization Program: A partial hospitalization program (PHP) is a short-term form of intensive rehab, usually for those with acute symptoms that are hard to manage but donât require 24-hour care. PHPs have structured programming (i.e. individual and/or group therapy), and usually meet 3-5 days a week for around 6 hours (i.e. 9am-3m). Some PHPs are residential (patients sleep on site) and some are not, so patients sleep at home. PHPs can last from 1-6 months, and some offer transportation and meals.
Clinical Services
Cognitive Behavioral Therapy: Cognitive Behavioral Therapy (CBT) is a therapy modality that focuses on the relationship between one\'s thoughts, feelings, and behaviors. It is used to establish and allow for healthy responses to thoughts and feelings (instead of unhealthy responses, like using drugs or alcohol). CBT has been proven effective for recovering addicts of all kinds, and is used to strengthen a patient\'s own self-awareness and ability to self-regulate. CBT allows individuals to monitor their own emotional state, become more adept at communicating with others, and manage stress without needing to engage in substance abuse. Dialectical Behavior Therapy: Dialectical Behavior Therapy (DBT) is a modified form of Cognitive Behavioral Therapy (CBT), a treatment designed to help people understand and ultimately affect the relationship between their thoughts, feelings, and behaviors. DBT is often used for individuals who struggle with self-harm behaviors, such as self-mutilation (cutting) and suicidal thoughts, urges, or attempts. It has been proven clinically effective for those who struggle with out-of-control emotions and mental health illnesses like Borderline Personality Disorder. Family Therapy: Research clearly demonstrates that recovery is far more successful and sustainable when loved ones like family members participate in rehab and substance abuse treatment. Genetic factors may be at play when it comes to drug and alcohol addiction, as well as mental health issues. Family dynamics often play a critical role in addiction triggers, and if properly educated, family members can be a strong source of support when it comes to rehabilitation. Group Therapy: Group therapy is any therapeutic work that happens in a group (not one-on-one). There are a number of different group therapy modalities, including support groups, experiential therapy, psycho-education, and more. Group therapy involves treatment as well as processing interaction between group members. Individual Therapy: In individual therapy, a patient meets one-on-one with a trained psychologist or counselor. Therapy is a pivotal part of effective substance abuse treatment, as it often covers root causes of addiction, including challenges faced by the patient in their social, family, and work/school life. Life Skills: Life skills trainings involve all the skills a person must have in order to function successfully in the world. These include time management, career guidance, money management, and effective communication. Truly successful addiction recovery is based on the ability to not only live substance-free, but to thrive. Life skills teaches the practical necessities of functioning in society, which sets clients up for success in life, and therefore sobriety. Motivational Interviewing: Motivational Interviewing (MI) is a clinical approach to helping people with substance abuse issues and other conditions shift behavior in positive ways. It is more goal-oriented than traditional psychotherapy, as MI counselors directly attempt to get clients to consider making behavioral change (rather than wait for them to come to conclusions themselves). Its primary purpose is to resolve ambivalence and help clients become able to make healthy choices freely. Nicotine Replacement Therapy: Nicotine Replacement Therapy (NRT) is a way of getting nicotine into the bloodstream without smoking. It uses products that supply low doses of nicotine to help people stop smoking. The goal of therapy is to cut down on cravings for nicotine and ease the symptoms of nicotine withdrawal. Trauma Therapy: Trauma therapy addresses traumatic incidents from a client\'s past that are likely affecting their present-day experience. Trauma is often one of the primary triggers and potential causes of addiction, and can stem from child sexual abuse, domestic violence, having a parent with a mental illness, losing one or both parents at a young age, teenage or adult sexual assault, or any number of other factors. The purpose of trauma therapy is to allow a patient to process trauma and move through and past it, with the help of trained and compassionate mental health professionals.
Alcoholism: The goal of treatment for alcoholism is abstinence. Those with poor social support, poor motivation, or psychiatric disorders tend to relapse within a few years of treatment. For these people, success is measured by longer periods of abstinence, reduced use of alcohol, better health, and improved social functioning. Recovery and Maintenance are usually based on 12 step programs and AA meetings. Dual Diagnosis: Many of those suffering from addiction also suffer from mental or emotional illnesses like schizophrenia, bipolar disorder, depression, or anxiety disorders. Rehab and other substance abuse facilities treating those with a dual diagnosis or co-occurring disorder administer psychiatric treatment to address the person\'s mental health issue in addition to drug and alcohol rehabilitation. Mental Health and Substance Abuse: A combined mental health and substance abuse rehab has the staff and resources available to handle individuals with both mental health and substance abuse issues. It can be challenging to determine where a specific symptom stems from (a mental health issue or an issue related to substance abuse), so mental health and substance abuse professionals are helpful in detangling symptoms and keeping treatment on track. Opioid Addiction: Opioid rehabs specialize in supporting those recovering from opioid addiction. They treat those suffering from addiction to illegal opioids like heroin, as well as prescription drugs like oxycodone. These centers typically combine both physical as well as mental and emotional support to help stop addiction. Physical support often includes medical detox and subsequent medical support (including medication), and mental support includes in-depth therapy to address the underlying causes of addiction.
Joint Commission: The Joint Commission, formerly known as JCAHO, is a nonprofit organization that accredits rehab organizations and programs. Founded in 1951, the Joint Commision\'s mission is to improve the quality of patient care and demonstrating the quality of patient care. Joint Commission Accreditation: Yes Accreditation Number: 2457
Reviews: WRITE A REVIEW
More Detox Centers Nearby
Youth Advocate Programs – Bronx County
0.00 miles away from the center of San Jose, CA
(718) 618-7033
Youth Advocate Programs – Bronx County
0.00 miles away from the center of San Jose, CA
(718) 618-7033
Nashville Rescue Mission – Life Recovery Program
0.00 miles away from the center of San Jose, CA
(615) 255-2475
VA Northeast Ohio Healthcare System – Canton VA Outpatient Clinic
0.00 miles away from the center of San Jose, CA
(330) 489-7460

subset: commoncrawl


text:
As you all know, this is a big year for our Brunswick team: they successfully released version 2007.18 last week!
[polite applause]
"Great job, guys!
"Now, before we get started on our exciting 5-day agenda of software and development lectures, why don't we break the ice with a good old fashioned game of Telephone? Johnson, you start."
"Thanks and congratulations 2007.18 upgrade team."
Carrier to Dorsman:
"Thanks and graduations! 2007 ate lean, up late teen."
Dorsman to Yates:
"Fangs and Conga lactations, tooth house and 7up! Clean up, laid Queen."
Yates to Lau:
"With all due respect, Governor, I do not own the rights to this monkey."
"Thanks and congratulations 2007.18 upgrade team."
Enjoy the convention, Ashley M! We'll be lecturing on Day 4 in the North Wing Restroom at 4:30 pm. See you there!
And yes, the cake really was supposed to read "Thanks and congratulations 2007.18 upgrade team."


text:
20+ Years Experience
Specialist Addiction Therapy
Get in Touch for Immediate Help and Advice
Addiction can be a life-ruining problem. If you are suffering from such issues in Peterborough, or know somebody who is, then the idea of tackling this by yourself can seem overwhelming.
If you are experiencing problems with addictive behaviour or an impulse control issue, then we can offer carefully prepared help that is tailored to your exact situation. Our online addiction counselling services are not just addiction treatments – they are recovery methods.
Many addicts struggle with taking on addiction issues all by themselves, so they rely on third-party treatment and support to overcome their urges. As a professional addiction counselling group, we know how to build the perfect recovery and treatment plan for each client in Peterborough, right down to the specifics of handling their addictive behaviour in July 2024.
We offer Addiction Counselling Therapy and are more than happy to assist you on anything you need more information on.
We are a team of qualified online addiction treatment therapists with countless years of total experience in the field.
We have worked with a wide range of recovering addicts to help combat numerous kinds of substance abuse issues, helping each person recuperate in their own way.
We are an experienced, competent, compassionate, and person-centred group of counsellors and psychotherapists who specialise in addiction therapy. Our work supports groups and individuals struggling with addictions beyond their control or underlying issues that they are not able to combat on their own.
Our wide range of experience has allowed us to provide a range of effective therapy and counselling techniques in Peterborough, all while making sure that our clients are comfortable and recovering in a healthy way.
For many people, the first step towards combating additions is to seek help – good support can make a significant difference to the recovery process.
We provide the help and assistance needed for the following addictions:
Alcohol counselling is an important part of breaking alcohol-related habits, as well as providing relief from social factors that may lead to heavy drinking. Alcohol addiction treatment is a very serious issue on par with drug abuse and can often involve working to prevent certain dependent behaviors.
Alcohol is still a drug, and there is not much difference between street drugs or alcohol once the addiction takes hold. Physical addiction is a very serious concern, and getting over the withdrawal symptoms can require specialist care – such as the support and counselling that we offer.
Our alcohol counselling sessions will allow a trained alcohol counsellor who has experience treating alcoholism.
Our trained alcohol counsellors help you to stop drinking one on for all, or even just help to curb your binge drinking.
Alcohol addiction therapy can be an excellent source of support to you in recovering from a mental health issue, or offer professional advice in relation to your addictions to alcohol.
Alcohol counselling can be helpful for treatment of alcohol abuse disorders. A counselor can help in your journey to a drink-free life.
Whether you suffer from alcoholism, relapse, or are addict, it's possible to recover from alcoholism through alcohol therapy. We are here to help you through alcohol dependence
Complete treatment programs are developed for treating the entire individual and usually include physical and psychological treatments including nutritional, exercise and withdrawal management and emotional, mental or spiritual.
People with alcohol addiction can easily tell themselves that there is nothing wrong with them. Therefore the first step towards recovery from alcoholism requires acknowledging the issue.
Various treatment is available for those suffering from alcohol addiction, including remission abstinence, counseling (especially CBT), solitary assistance groups (such as Alcohol Anonymous) or medications.
Counseling provides an opportunity to discuss openly (without judgments) how your drinking relationship is characterised.
A highly effective treatment for drinking is cognitive behavioral therapy or CBT. Typically counselling addresses thinking patterns in the hope that they break emotional or psychological links to habituality.
Through understanding what causes an addictive behavior, alcoholism gradually learns to overcome its urge to drink.
People suffering with addiction can now address all their problems and fears without relying on alcohol. Counselors can be a resource in helping troubled individuals change the way they live.
An alcohol therapist assesses mental health problems associated with alcohol problems. As part of your treatment program and recovery journey, it is always worth speaking to an alcohol counselor as a first step.
Holistic therapy and support groups such as alcoholics anonymous can also address your drinking problem before you consider alcohol rehab.
Addiction to prescription drugs can have serious health consequences and can make a person dependent on factors that seriously harm their bodies.
Treatment needs can vary heavily depending on the drugs involved, with street drugs, in particular, having a very high chance of physical addiction.
Local support groups can help, but we provide specially-prepared care options that are meant to target withdrawal symptoms as well as physical dependency problems. Drug abuse is a very personal thing, and no two addicts require the same recovery process.
Therapy is offered in group or individually based sessions which focus on learning new methods to overcome drug-induced cravings, and this is aimed at tackling other conditions as well as their cause.
Cognitive Behavioural Therapy (CBT) may be useful for people who are addicted to drugs and alcohol because of its ability to understand thoughts, emotions, and behaviour more easily.
If you have drug cravings and are looking for a drug treatment plan, it is always worth considering counselling sessions as part of your drug rehab.
Get in touch today to book your first session with one of our friendly addiction recovery counsellors.
Counseling provides many people with an important role in drug addiction treatment.
Cognitive behavior therapy, family counselling, and others are good tools to help this psychological addiction.
Psychotherapy treats other mental health conditions and may help prevent substance abuse and avoid relapse during your detox.
You can also join a support group such as Narcotics Anonymous which uses group therapy to beat addiction.
You may also be referred to a residential rehabilitation program once you have tried other addiction treatments.
Gambling addiction is just as serious as alcohol or drug addiction, especially among people with addictive behaviours. Gambling can prey on mental health issues or even play off addictions like drugs or alcohol and quickly drain your wallet without you realising what you are doing.
Our gambling addiction counsellors can help you curb your compulsive gambling problem using talking therapies and emotional support.
Since gambling is often tied to mental health concerns or addictive behavior, our qualified therapist teams are able to pinpoint possible causes of your addiction. The best way to combat addictions is to build up behaviour that can prevent them from getting worse.
Gambling is a risky habit that is often difficult to break. Some people will become so dependent that they end up pushing themselves towards a financial crisis and potentially even ill health and wellbeing.
It is possible to stop problem gambling from progressing to this point with the appropriate gambling addiction treatment. Some people find it challenging to admit they are a compulsive gambler and ask for help. Those who do seek help to treat gambling addiction stand a strong chance of regaining control over their lives.
Gambling addiction often misunderstood due to widespread assumptions and the fact that it is a "hidden illness". It can make it more challenging to comprehend what it means to be a compulsive gambler and possibly lessen the need for immediate gambling therapy. This misconception could also lead people to overlook or avoid the warning signals of gambling addiction in the people they care about.
According to research, up to 2 percent of adults who gamble will experience a gambling addiction. These people will often exhibit various telltale symptoms that point to a problem, including:
If you identify with some of these, you should consider speaking to a gambling counsellor. Denial hinders gambling behaviour from improving, and it's never too late to stop gambling and regain control.
If you are struggling with gambling urges, it always helps to speak to a specialist gambling counsellor.
Individual counselling can assess your impulse control disorder and ensure you are provided with the right treatment options. They can also recommend alternative therapies and coping skills that act as effective treatment.
Your dedicated counsellor may recommend support groups such as Gamblers Anonymous or additional online support to help with gambling habits.
Speak to a mental health professional today for help treating gambling addiction.
Internet addiction is not just scaremongering.
It is very easy for people with existing mental health issues or a lack of support groups to quickly find themselves obsessed with the internet. This can quickly eat into their work ethic, normal behaviors, or even personal factors like sex drive.
We can provide internet addiction treatment for obsessive internet usage by using tools such as talking therapies.
Therapy is used to fight the behaviour and habits that can build from long-term internet addiction. A person who shuts themselves away from their life may not be able to identify the problem, but we certainly can.
Although internet addiction is not officially a clinical disorder, growing scientific evidence establishes that internet addiction is a major health issue.
Many health experts advise that it should be officially recognised as a clinical problem.
Internet addiction disorder has many subtypes and is mainly characterised by excessive online activities, which would usually result in negative consequences.
Internet addiction includes various compulsive behaviors, such as the following:
Excessive internet use is a behavioural addiction that is seen as an impulse control disorder.
The most crucial first step is to find help from an addiction specialist.
Our addiction counselling treatment has been proven in providing evidence-based treatment for addictions.
We will work together with you to address your internet addiction problem and improve your confidence to make it better for your life. Manor Clinic understands the difficulties that people face in dealing with internet addictions.
While there currently exists no legal system or regulatory framework for counseling for addictions on online websites, we recommend a thorough evaluation by a licensed psychologist.
An accreditation course or qualification is taken during your continuing professional development and also guarantees your counsellor will develop the necessary skills.
As well as other addictions, cognitive behavioral therapy (CBT) is widely viewed as a good treatment option for stopping the addictive habit.
If you are worried about problematic internet habits or time spent online, speak to an internet counsellor.
Like all other addictions, smoking is a product of both behaviour and either physical or psychological addiction. A smoking addict may find it hard to quit after long-term substance use, addicted to the physical sensations that smoking leads to.
We have a lot of experience in handling addictive substance issues, and we know how to provide the right therapy for each addiction. Smoking addiction can sound daunting to treat.
Get in touch with one of our experts to learn about the deeper details of our substance abuse counselling and the recovery treatments we can offer.
On average, two out of three smokers wish to quit.
Numerous methods, like individual behavioral counselling, group behavioural therapy, telephone counselling, and quit helplines, can be used to accomplish this.
The foundation of behavioural therapy is how you act and/or think.
The main goal of modification therapy is to help you quit smoking by altering your thoughts and behaviours for the better.
The group dynamic is used in group behavioural therapy to alter your behaviour.
This type of therapy gives you the assistance of a group who share your issues.
Telephone counselling is readily available, reasonably priced and conveniently private. Because more video conferencing software is available online, it is growing in popularity.
Individual counselling is generally more effective than a less intensive intervention promoting smoking cessation.
Support from others is one of the most crucial factors that will help you succeed (both professional and personal).
If you would like to receive even more information on Addiction Counselling Therapy services, make sure you get in touch with us today!
Sex addictions are often described as having excessive sexual thoughts.
If your need for sex and love has taken over your life and it seems like nothing you do can satisfy it, you may be experiencing a sex and love addiction and might benefit from treatment.
Speak to one of our specialist sexual addiction cousellors today for information on how to treat sex addiction once and for all.
Treatment of compulsive sexual behavior often includes psychotherapy, medication, and self-help groups.
The treatment aims primarily at helping people manage their urges and reduce excess behavior while maintaining their sexual habits.
If you're experiencing sexually compulsed behaviour, you should undergo treatment. People experiencing excessive and impulsive sexual behaviour often have alcohol or drug addiction and/or other mental health issues that are often treated.
Many people are able to get help in the following ways:
CBT is a type of talking therapy that is frequently used in individual sex addiction treatment. It is an excellent start when addressing the compulsive behaviours and obsessions connected to sex and love addiction.
Dialectical behaviour therapy (DBT) teaches mindfulness, distress tolerance, interpersonal effectiveness, and emotion regulation and can also be used in individual treatment.
Psychodynamic therapy can be used if you have serious self-esteem issues, which may be a part of your treatment strategy. If any childhood difficulties or unconscious memories that may contribute to codependent behaviour and attitudes toward intimacy are discovered, longer-term psychodynamic psychotherapy may be useful.
Getting help from self-help groups is useful when people have excessive sexual activity or have underlying issues it can cause.
Many organisations follow the alcoholic-anonymous (AA) 12-step program. This group may be online, have a local meeting, or both.
You can choose a self-support group with good ratings that will make your life easy. This group may not fit every taste. Ask your counsellor if there's an alternative support group that you can join.
Some medications are useful for the reduction of psychological reward for behavior and obsessive thoughts or behaviors or for preventing or stopping sexual desire.
Psychotherapy or talk therapy may assist in managing compulsive sexual behavior.
Types of therapy may involve individuals, couples, families or groups.
Habits are parts of your life that you repeatedly do out of choice – fun activities, things to pass the time, and longer-term hobbies. They do not need to be overcome, and they do not cause an overwhelming compulsion to repeat them.
Addiction, by contrast, is an excessive need to complete some action regularly, even in inappropriate or dangerous places. An addicted person is going to seek highs on impulse, leading to behaviours like drinking heavily during the day or smoking far too often.
Addiction treatment is an important step for pushing an addiction back into a habit and then ideally out of a person's life completely in Peterborough. Whether it is a physical or psychological addiction, an addictive substance or activity can become incredibly disruptive if handled poorly.
There are two core kinds of addiction: psychological and physical.
A psychological addict suffers from issues such as mood swings, anxiety, irritability, obsessive thinking, and other obvious psychological issues when they can't indulge their addiction. Withdrawal symptoms can also arise quite quickly, often leading to the addict becoming desperate for more.
A physical addict causes more physical signs, including blood pressure changes, a higher heart rate, and physical cravings. Physical withdrawal can lead to issues that seem like some kind of chronic illness but are actually the person's body becoming more and more agitated as they become unable to fulfil their needs.
Addiction is most common in people who have either mental health issues or existing trauma – things that might cause them to rely on self-destructive comforts like drinking and smoking. Vulnerable young people can also easily fall victim to substance use.
It is important to remember that the limit does not end at just one addiction. Somebody with a serious injury that leaves them bedridden may turn to alcohol as a way to dull the pain, only to also develop a binge-eating addiction due to a lack of other stimulation. A person can be addicted to many things at once, which only increases the health risks in Peterborough.
Addictions are a serious issue for every person. There can be countless reasons why a person might decide to seek help, even if their addiction is comforting to them – for example:
Every addict in Peterborough is different, and there can be a whole host of different factors leading to them seeking help. However, the important part is that they are seeking it and that they can accept that their addiction is harmful to both them and the people that they love.
Substance abuse can mean more than drug dependency. Even after the treatment, relapses can be a possibility, and some people will be more susceptible to a relapse than others. Certain psychosocial conditions can trigger the tendency toward relapse: this may cause the urge to use another substance.
Counselling enables you to overcome cravings and cope with life without alcohol or drugs, ending the self-perpetuating cycle that can result from drug reliance or other addictions. We can offer a range of treatment programs to help with substance misuse and abuse.
There are varying ways to treat opioid addiction, but the correct plan should always be one that suits your needs and current substance issues – whether you are a "new" addict or have already relapsed at least once.
After getting all the necessary documents out of the way, addiction counselling begins with a private, casual conversation about the nature of your addiction and the behaviours related to it. A therapist takes you through every step of your situation, identifying methods of recovery and potential relapse avenues.
A large part of addiction counselling is focused on creating a plan for recovery, with the first session being heavily dedicated towards that concept. It is a starting point for the rest of your recovery process.
At Addiction Counselling Therapy, we can assist you on the best therapy in Cambridgeshire. Make sure you contact us today for a number of great therapy options.
A counsellor is your therapist, the source of most therapy throughout your recovery process. Your counsellor can be involved in everything from motivational interviewing to arranging for rehab stays and providing the necessary support and therapy to get you on the right track.
The average cost of addiction therapy is around £55 per session, varying depending on any treatments involved. Of course, this will depend on whether you speak to a psychotherapist, a counsellor, or a psychologist.
You can talk to one of our therapist experts right now to find out how much different therapy options cost and how they can be adjusted to fit around a tight budget.
We allow clients the freedom to choose an alternative counsellor as often as necessary, ensuring that they get therapy from somebody that you are comfortable with and happy to see. Before you start therapy, you (and, if you want, your family members) can have a full telephone assessment prior to choosing your first counsellor.
Counselling and therapy usually begin around seven days after arranging it. Therapy for addiction has no official waiting list because getting clients the help they need is an urgent matter.
This kind of therapy in Peterborough – as well as group therapy and cognitive behavioural therapy – works very well under the right circumstances. However, this method of treatment for things like substance use issues requires compliance and willingness to go through with the therapy.
There are four major stages of drug addiction, all of which lead to the next if left unchecked.
The fourth stage is the most extreme and can require rehab and a full detox to cure completely. A medically assisted rehab detox lessens withdrawal symptoms and potential harm, all while nudging you towards full recovery.
Withdrawal at any stage can cause illness-like symptoms until proper treatment in Peterborough.
If you are looking for a reliable way to treat an addiction in Peterborough – either your own or those of family members-then get in touch today to talk with one of our friendly addiction therapists. Achieving a sober life can be an important goal, and every little bit of help makes a difference.
Contact us, and we will start working on a treatment plan, therapy options, and other important steps. The larger-scale work, like residential rehabilitation or more in-depth treatment, is only necessary when there are no other options.
Here are searches made online when looking for addiction counselling therapists.
For emergency support, please click here for a list of support services.
We are not a crisis support service.
Fully accredited therapists are what people generally look for, and the accrediting bodies are mainly:
The governing bodies are there to identify, develop and maintain professional standards of excellence in Counselling and Psychotherapy.
Make sure you contact us today for a number of great Addiction Counselling Therapy services.
I desperately needed some therapy for my addiction last year. The team at Addiction Counselling Therapy really cared for me and helped me overcome my addiction. I'm so grateful for them and have got my life back on track. Thanks so much!
Oliver HudsonI used Addiction Counselling Therapy and can confidently say that they are up there among the top therapy providers in the UK. Their care and professionalism are incredible and make them my suggestion for anyone seeking counselling. I highly recommend the team for the immense work and I wouldn't be where I am without them.
Matthew BrooksFor more information on Addiction Counselling Therapy services, fill in the contact form below to receive a free quote today.
We Aim To Reply To All Enquiries With-in 24-Hours


text:
Highway to the Danger Zone: States with the Worst Drivers
Some states lead the country in GDP or tourism, but which should be known for their bad drivers?
When it comes to operating a motor vehicle, not all drivers pass with flying colors. While some boast a perfect record, others find themselves facing speeding violations, citations, DUIs, or other traffic infractions over the course of their driving careers. With spring around the corner, more cars will soon venture back onto the roads after a winter of inclement weather. That said, these potential beach days and picnic excursions may be frequently accompanied by bad driving practices. According to the National Highway Traffic Safety Administration, over 37,000 people lost their lives in fatal traffic crashes in 2016 alone. However, some states see more of this bad driving than others.
The team of data scientists at Insurify sought to determine which states are home to more than a fair share of reckless motorists. Drivers were included in the analysis if they had at-fault driving infractions on their record from within the past seven years. While the Midwest and Mountain region had strong showings, the coastal Southeast held a presence at the top of these rankings as well. Buckle up: these are the top 10 states with the worst drivers.
- National average. Across the U.S., 23 percent of drivers have at least one at-fault violation on their record. These infractions can quickly add up, as they drive up the cost of auto insurance on top of any baseline charges for ticketing and/or legal fees. The range of these increases in insurance spans from as low as three percent for driving without a seatbelt to 79 percent for a first-time DUI.
- The Midwest is in for a bumpy ride. Half of the top 10 states for worst drivers—and two of the top three—fall within the boundaries of the Midwest. Despite its reputation for hospitality, the heart of America may not be so wholesome in its driving habits.
- Population and police presence of little importance. Contrary to both DUIs and speeding in isolation—the former having an inverse relationship with population, and the latter having an inverse relationship with police presence per capita—overall traffic infractions do not vary in relation to these metrics. States with both large and small population densities, and large and small law enforcement presences, appear on this top 10 ranking.
The analysts at Insurify, a car insurance quotes comparison website, pulled from their database of over 1.6 million applicants to determine which states had the highest share of drivers with at-fault incidents. Those applicants are asked to answer questions regarding their driver history, personal, and vehicle information, including whether or not they had had an at-fault traffic violation within the past seven years. At-fault incidents included accidents, DUIs, failures to stop, speeding, reckless driving, passing violations, and other causes for citation. This share of respondents was then analyzed against the statewide driving population as a whole to determine the breakdown of at-fault car owners by state. Additional data on traffic fatalities and registered automobiles come from the Insurance Institute for Highway Safety and the Federal Highway Administration's 2016 report, respectively.
10. Colorado
- Percentage of drivers reporting past driving incident: 27.4%
- Rate of traffic fatalities per 100,000: 11.6
- Number of Registered Automobiles: 1,807,777
A paragon of natural wonder and conservation, the Centennial State is no model for responsible driving, with 27 percent of drivers holding a record of past driving offenses. With almost two million cars on the road, this rate of transgression is costly: the state saw 3,602 traffic deaths in 2017 alone.
9. Idaho
- Percentage of drivers reporting past driving incident: 27.7%
- Rate of traffic fatalities per 100,000: 14.2
- Number of Registered Automobiles: 607,902
Idaho, one of the nation's more sparsely populated states, nonetheless has one of the highest rates of at-fault driving offenses. Despite having a significantly smaller population and a lower density of cars on the road, Idaho saw a greater quantity of fatalities than Nebraska and a similar number to Connecticut and Utah.
8. Wisconsin
- Percentage of drivers reporting past driving incident: 28.1%
- Rate of traffic fatalities per 100,000: 10.6
- Number of Registered Automobiles: 2,159,924
Wisconsin is still one of the top 10 states for traffic violations despite taking hardline measures against such offenses. Drivers will have their licenses automatically revoked for a total of five years after accumulating 12 or more moving violations or four or more major violations within a five-year period. Though infraction rates remain high now, perhaps this Habitual Offender Law will succeed in bumping Wisconsin off of the top 10 worst driver ranking in years to come.
7. Virginia
- Percentage of drivers reporting past driving incident: 28.3%
- Rate of traffic fatalities per 100,000: 9.9
- Number of Registered Automobiles: 3,242,520
As the seventh-ranked state for poor driving, Virginia is not only prominent among incident-prone American states, it is also diverse in the range of those infractions. Old Dominion is third in the nation for speeding tickets, fifth for repeat traffic offenses, and Virginia Beach, VA is one of only two cities west of the Mississippi River to classify in the top 25 nationwide for rates of DUI.
6. Ohio
- Percentage of drivers reporting past driving incident: 28.4%
- Rate of traffic fatalities per 100,000: 10.1
- Number of Registered Automobiles: 4,693,947
As the state on this list with the most registered cars on the road, Ohio's rate of bad driving arguably carries the largest heft. With such a large sum of motorists reporting a past driving offense, it may come as a surprise that Ohio has a much more lax policy on traffic infractions than that of Wisconsin. While a 12 point accumulation over five years will result in a five-year license revocation in the latter, 12 points against your license in just two years will only trigger a 6-month suspension in Ohio.
5. South Carolina
- Percentage of drivers reporting past driving incident: 28.5%
- Rate of traffic fatalities per 100,000: 19.7
- Number of Registered Automobiles: 1,840,357
South Carolina, though in the middle of this top 10 ranking, has the second highest fatality rate on the list. This may result in part from the fact that 17 percent of drivers report a history of speeding—the highest in the nation. Additionally, almost one in three of those drivers continue to speed—and given South Carolina's position on this list, are likely commit other violations—in the future.
4. Nebraska
- Percentage of drivers reporting past driving incident: 28.5%
- Rate of traffic fatalities per 100,000: 11.9
- Number of Registered Automobiles: 700,277
Nebraska sees fewer than a million registered automobiles on the road, but has an infraction rate of 28.5 percent. At the center of the Midwest (the most well-represented region of this ranking), Nebraska is home to a share of bad drivers that is 1.24 times the national average. However, despite ranking highly for driving offenses, most are not fatal accidents, as Nebraska's fatality rate is almost exactly the national average of 11.4.
3. Iowa
- Percentage of drivers reporting past driving incident: 28.6%
- Rate of traffic fatalities per 100,000: 10.5
- Number of Registered Automobiles: 1,303,131
The Hawkeye State brings us to our top three states for worst drivers in America with almost 29 percent of drivers reporting a history of traffic incidents. DUIs contribute a noticeable amount to these figures, as over 1 in 5 adults in Iowa engage in regular excessive drinking, according to the CDC.
2. Wyoming
- Percentage of drivers reporting past driving incident: 29.9%
- Rate of traffic fatalities per 100,000: 21.2
- Number of Registered Automobiles: 211,613
With the smallest population and the fewest registered cars, Wyoming nonetheless has the second highest rate of bad drivers and the highest fatalities of any state on this ranking. While low-density states report the fewest accidents, they have the highest rate of fatalities, largely as a function of DUI-related deaths. Correspondingly, as the leading state for repeat DUIs nationwide, it may come as no surprise that Wyoming ranks in the top two for past traffic incidents.
1. North Dakota
- Percentage of drivers reporting past driving incident: 29.9%
- Rate of traffic fatalities per 100,000: 15.2
- Number of Registered Automobiles: 243,338
The state with the highest percentage of bad drivers in America is North Dakota. Despite having speed limits that top out at a generous 75 mph, over 16 percent of drivers report a speeding ticket on their record. Additionally, North Dakota has the second-most repeat DUIs and leads the country in repeat-license-suspension. Given these dubious distinctions, it is fitting that North Dakota takes the crown in this line-up…it may just be one they never wanted in the first place.
If you have questions or comments about this article, please contact firstname.lastname@example.com.


text:
Area 51 » jokoon
Registered User
I first learned the basics of C by myself and a little help from friends, after that I learned C++ at school, php, MYSQL, and so on. I'm a big fan of the KISS principle. I don't like languages like java, C#, javascript, but am a big fan of python. I still have to learn to do some good haskell. I'm currently making a 3D game with Ogre3D and bullet with my free time. I intend to make a minimalist RPG where you can harvest different types of material and scraps, and learn to build new things for your survival and the worker you hire. I'm also thinking about a level editor to make very big levels with the help of procedural generation. After using Enet as a networking library, I'll release my new MMOFPS and make millions of dollars. But I should maybe find a job first. I'm also interested in maths and cryptography, but I don't master those subjects. |
0 |
Proposals |
0 |
Current Commitments |
0 |
Fulfilled Commitments |
0 |
Followed |
0 | Votes Cast |


text:
The light vanilla ice cream is pretty decent. It has good body and scoops tightly (I've noticed that some ice milks and light ice creams scoop out in fragile curls.) The ice cream itself is loaded with tiny flecks of genuine vanilla bean just like more expensive premium brands. Although the label claims half the fat and a third the calories of regular ice cream, it has a rich mouthfeel that is nearly indistinguishable from premium ice cream.
Unfortunately, the actual taste of the ice cream doesn't follow through with the same level of quality; the vanilla flavor isn't strong and robust as one would expect, but rather a bit weak and subtle on its own. Although that's a bit disappointing for eating straight up, it might not matter so much if you usually eat your ice cream with syrups or toppings, or as a base for a milkshake - the other flavoring components will make up for it.
The chocolate flavor regular ice cream by Stone Ridge had plenty of flavor but a thinner body. We felt that the light vanilla was actually creamier and smoother than the regular chocolate.
Despite these shortcomings, the family and I were pleased overall with Stone Ridge's two most basic flavors and we would certainly buy them again.
You should be able to find Stone Ridge Creamery ice cream just about anywhere in the US, since it's a SuperValu brand and they operate retail grocery chains across the country. Click here for a list of SuperValu-owned chains - from there you can find short descriptions and capsule histories of the various stores.


text:
Good morning, I'm Steve Inskeep.
Once Louisville won the NCAA men's basketball title, there was only one thing for Rick Pitino to do. He promised his players that if they won, he'd get a tattoo. We do not know if Pitino had second thoughts in the final seconds of the win over Michigan, but now the coach has done it. A Louisville spokesman tweeted a photo of the 60-year-old coach's back. It is now marked with the team record, 35-and-five, along with a blood-red letter L.
It's MORNING EDITION. Transcript provided by NPR, Copyright NPR.


text:
2 Ton 208/220 Volts 1-Phase. Direct Factory Replacement Copeland Scroll Compressor. TheCopeland Model # is ZR25K5E-PFV-800.
It is rated at 25,000 BTU. In some instances, small piping changes may be required.
Thanks forlooking and good luck! This compressor is designed to replace old Rheem/Ruud/Weather King/Corsaire/Copeland numbers : ZR25K5E-PFV-7M3 ZR25K5-PFV-7M3. Start Capacitor Part Number: 43-17075-04. Rated Load Current (A): 15.0. Continuous Current (A): 21.0.Locked Rotor Current (A): 68.0. Crankcase Heater Part Number: 44-17402-44. Suction Line Configuration: Stub Out.
Discharge Line Configuration: Stub Out. To install a Compressor PROPERLY you need to have AND use the proper equipment and use proper installation technique. If you are not familiar with these techniques or you do not have the proper equipment then you SHOULD have a qualified HVAC tech to install your new compressor. Compressors Should be installed by a qualified Heating Air Conditioning Tech. I could not be more pleased with my entire experience.From initial contact to the parts. I will defenitally order again. Thanks again and I will reply to this when I get the motor!
We will attempt to process your address change, cancellation and order change as quickly as possible. However, we cannot guarantee that we will be able to provide this service. Please review your order for accuracy before submitting it. The time frame depends on your location and is determined by the Post Office. Tracking information is accessible once the item is delivered to the post office or picked up by UPS. These charges are not refundable for all correctly filled orders. Please review the entire listing carefully and make certain you are ordering the part you need. Please note that HVAC manufacturers frequently update their parts without warning. While we strive to update our listing pictures as quickly as possible, an outdated picture is not grounds for return.You must obtain a return authorization to return the part within this time frame. Parts are not eligible for return for any reason if we are not notified within the 14 day time frame. This is to insure that we can file a claim with the carrier when applicable. All items must be in a brand new (without signs of installation) and resaleable condition.
All parts are inspected for signs of installation upon our receipt of them. The decision is made based on our assessment of the part and whether it can be resold as "used". In no way shall North America HVAC be liable for any loss, damage, fire, explosion, injury, including any incidental or consequential damages, or death as a result of ordering and/or installing any parts from our website or from the results of any action taken due to reading information found on our website. The information is provided as a courtesy to our customers to enhance their understanding of their HVAC system, it is not to be taken for instructional purposes on how to repair their system. North America HVAC suggests having all parts, accessories and equipment installed by a qualified heating and air conditioning technician. If a customer attempts to install a part, accessory or equipment, he or she should have a thorough understanding of electricity, reading wiring diagrams and the work to be performed. In no way shall North America HVAC be liable for any loss, damage, injury, including any incidental or consequential damages, or death as a result of ordering and/or installing any parts from our website or from the results of any action due to reading information found on our website. The item "Rheem Ruud Copeland 2 Ton Scroll A/C Compressor ZR25K5E-PFV-7M3 ZR25K5-PFV-7M3" is in sale since Thursday, June 5, 2014.This item is in the category "Home & Garden\Home Improvement\Heating, Cooling & Air\Heating & Cooling Components\Compressors". The seller is "bluestang5" and is located in Sellersburg, Indiana. This item can be shipped worldwide.


text:
Teeth for Life
Practicing good oral hygiene means maintaining your child's smile by visiting the dentist regularly and taking care of their teeth and gums in between checkups. Our practice wants to make sure that your child gets the most out of their office visits, and that their teeth stay healthy for life! We'll work with you to provide complete dental care, and show you how to maintain your child's smile at home with the right dental products for you and your family.
Dental Cleanings and Regular Checkups
Regular dental checkups are an important part of maintaining good oral health. During regular checkups, the hygienist will:
- Check for any problems that may not be seen or felt
- Look for cavities or other signs of tooth decay
- Inspect the teeth and gums for gingivitis and signs of periodontal disease
- Provide a thorough teeth cleaning, rinse, and polish
Visiting the dentist every six months gives you and your child the chance to talk with your doctor and receive answers for any questions you may have about your family's oral health. Checkups are also a great way to find out about new treatments that may benefit your child's smile.
Choosing the Right Toothpaste and Toothbrush
From toothpaste and mouthwash to toothbrushes and dental floss, it's important to choose the right products. Keep in mind that when you're looking for a new toothpaste or toothbrush be sure to choose one that has been approved by the American Dental Association (ADA). Your dentist can also help by recommending certain dental products for use at home.
Learn More
Did you know that at birth, people already have 20 primary (baby) teeth that begin erupting after six months, and that by age 21 there are no more primary teeth and all 32 permanent teeth have erupted?
Getting to know your teeth can be fun and educational!


text:
We made it. After six weeks and nearly 4,000 stories, we've reached the end of Round 9 of our Three-Minute Fiction contest, where we ask listeners to come up with an original short story that can be read in about three minutes.
Graduate students from around the country helped read all the submissions. The winning story was chosen by this round's judge, novelist Brad Meltzer. Meltzer wrote the best-selling books The Inner Circle and The Book of Lies. His new book, due out in January, is called The Fifth Assassin.
Meltzer gave you this challenge: Write a story that revolves around a U.S. president, who can be fictional or real.
He says the submissions were as diverse as he had hoped.
"They came from every direction. They came from real presidents, they came from fake presidents, they came from their personal lives, they came from something that touched them, they came from something big about America," he says.
The winner for this round is Marc Sheehan of Grand Haven, Mich., who wrote The Dauphin. The story is about a man taking care of his father, who thinks he's President Spiro Agnew.
"Forget about whether Spiro Agnew was or wasn't president, forget about the fact that clearly this guy is not the president," Meltzer says. "It's really about this guy who's suffering and his son taking care of him."
Meltzer says the story stuck in his mind, and the character was so well defined that a whole book could be written around him.
"And the one thing I will say that caught me more than anything else is it was the story I was most jealous of, and I mean that in the very best way," he says.
Sheehan has never entered the Three-Minute Fiction contest before, but he says this prompt really resonated with him. While pondering the challenge, Sheehan says he was interested in the idea of a fictional president and the possibility of writing an alternative history. Then it got him thinking about his own father, who passed away in 1984.
"I'd actually tried to write about that more realistically different times," he says. "It had never turned out well, and then suddenly having this different slant on it paradoxically gave me a kind of way into an emotional truth that I hadn't been able to get to, again, writing more realistically about it."
Meltzer lost his own father last year.
"Sometimes a story just hits you in that personal spot, and this one just hit me," he says, "and it helped me, and I appreciate [Sheehan] sharing it."
But Meltzer says his personal connection with the story was not the reason he picked it.
"That's just the emotional thing that I can feel in the back, but that had nothing to do with [being drawn to it]," he says. "What I recognized was just the complete picture that [he] painted of this man and his son and ... it really was more than just plot — it was real-world building."
For his day job, Sheehan is the communications officer at Ferris State University in Big Rapids. He writes on his own — he has even published two books of poetry. Sheehan says he recently finished the draft of a comic novel. Meltzer wants to buy the first copy when it's published.
Sheehan's Three-Minute Fiction entry will be published in the next edition of The Paris Review.
Copyright 2023 NPR. To see more, visit https://www.npr.org.


text:
Open Archives
Find your ancestors and publish your family tree on Genealogy Online via https://www.genealogieonline.nl/en/
You can instruct Open Archives to monitor this search. When there are new search results you will be notified by e-mail.
The results of the search can be downloaded in PDF and GEDCOM format.
To use this functionality, you must have a subscription and be logged in.
You can download the result list in spreadsheet format (CSV or XLS). This is possible up to a maximum of 10,000 results.