锦州哪里有算命算得很准的算命先生(普定算命准点的地方) (今日更新中)

When it comes to our cars, the cost of gas, oil changes, tires, insurance, and those dreaded repairs all add up. Many drivers don't realize how much their car really costs them.Kat Coughlin knows how expensive an older car can become."The tie rod, the tires, the transmission went out," she said about her older Taurus. "I think we spent about ,000 trying to repair it."Repairs like that can blow the budget. So it helps to know the true cost of owning a car, not just the monthly cost that the salesman puts on the sales sheet.AAA adds up all the costs and feesA new study by AAA finds the average cost of owning a new car is ,469 a year for 2017, when you factor in depreciation, insurance, gas and maintenance costs.AAA says a lot of people buy a car just based on emotions, looking only at that monthly payment of, say, 0 a month. But AAA says you are really paying 0 a month, on average.The agency says drivers don't stop to think what it will cost to maintain the car over a year or two, whether or not it is off the manufacturer's warranty.Bobby Drake is the head mechanic at an AAA repair shop."Even if it's a relatively new car you still have a lot of maintenance," he said.He says many people add to those costs by postponing maintenance, to save a few bucks now.For instance, he sees them wait for the brakes to wear down to metal, and start grinding. That will require costly new rotors in most cases, he says, turning a 0 brake-pad job into a 0 brake and rotor job."Follow the manufacturer's recommended maintenance, and that will definitely save you a lot of money in the long run."Differences between vehicle typesMeantime AAA says some types of vehicles cost a lot more to operate than others.Assuming gasoline at .34 a gallon, AAA says you can expect to pay the following amounts. 1848

With health care costs on the rise, a growing number of Americans are throwing out the old way of seeing a doctor and turning to a membership model. A monthly or annual fee gets you direct access to a doctor, no insurance needed.Twenty years into her career, bogged down by red tape, too many patients and long days, Dr. Shaila Pai-Verma was looking for a better way to practice medicine.“I was just miserable,” she said. “The joy of medicine is gone and then you're just doing paperwork.”So, a year ago, she started a new primary care practice with a new business model.“The patient basically has a direct contract with the physician and they take insurance companies out of it,” she explained.Patients pay a flat monthly or yearly fee. In exchange, they receive a broad range of primary care services and quick, unlimited access to their doctor via in-person office visits, phone or by text.“Everyone wants everything immediate. And so, I think this is it. It's good, especially in this time for people to have access,” said Pai-Verma.Membership fees range from about 5 to 0 per month on average – about 0 less than having typical health insurance. Most patients still carry catastrophic coverage for emergency treatments and hospitalizations, but that insurance is usually only -100 a month, so patients still save money.For Bonnie Micheli and her family, it was all about access.“With this, it's just so much easier to just know that I can contact directly here within a few hours for any issues that I'm having,” said Micheli.In late September, a bipartisan proposal was introduced in Congress that would expand access to the model and allow people to use their health savings account for direct primary care (DPC).Because they see fewer patients than traditional practices, some critics say the model could worsen the shortage of primary care physicians, a trend that’s already driven by burnout.But according to a recent study, DPC members had 25% lower hospital admissions and the cost of emergency room claims was reduced by 54%.“There's less ER visits and you know, better health care for the patient,” said Pai-Verma.While there is still debate, for a growing number of Americans, like Micheli, it’s becoming a simplified health insurance alternative.“Honestly, it’s just so nice to know what I'm paying every month or if you do the annual, what you're getting for that money, and you know exactly who to go to when you have a problem.” 2467

West Virginia legislators scrambled Monday to see whether there is enough money to meet teacher pay demands and end a strike that has dragged into its eighth day.A legislative conference committee appointed to resolve differences between the state Senate and House is scheduled to meet at 4 p.m."We recognize the urgency of this situation," said Delegate Paul Espinosa, chair of the House Education Committee and co-chair of the conference committee on House Bill 4145, the pay raise legislation.Gov. Jim Justice and the union leaders last week agreed that teachers and service personnel would receive a 5% pay raise. The House approved the proposal, but the Senate passed a 4% raise. Union leaders say the teachers won't return to work until they get a 5% raise.Espinosa said he has been speaking with his counterpart in the Senate, Majority Leader Ryan Ferns, "on how we would like to proceed with the committee's work to resolve the differences" between the Senate and the House of Delegates.Democrats in the Legislature say new revenue projections show the money is there and that a 5% raise would amount to million more in spending than a 4% bump."This situation has evolved very quickly in recent days, and we want to make sure committee members have a full array of accurate information available to make a well-informed decision," Espinosa said.."To accomplish that, we have instructed our respective Finance Committee staffs to pull data and put together the necessary fiscal information, and have separately reached out to the Governor's Office staff to ask for more budgetary information from the executive branch."West Virginia public school teachers are continuing their strike because the Legislature didn't meet their demand for higher pay and better benefits over the weekend. All 55 counties announced school closures for Monday. About 20,000 teachers walked out February 22, keeping almost 277,000 students out of class.West Virginia public school teachers earn an average salary of about ,000, making them among the lowest paid educators in the United States. School service personnel are also walking out.The pay raise must be passed as a law, since West Virginia is not a collective bargaining state.The House bill with the 5% raise quickly passed Wednesday, but Senate lawmakers expressed concern about how the state will fund the raise and passed the 4% version on Saturday after hours of debate and discussion.The House voted not to adopt the 4% version of the bill. With no agreement between the chambers, the conference committee was created. Three members from the House and three from the Senate -- two Republicans and one Democrat -- were selected.The group has until Tuesday to come to a decision about the bill. The House and the Senate could extend that deadline. If a meeting of the minds eventually fails, an earlier law specifying a 2% raise for teachers' pay would kick in, and then 1% over two years.The issue of teachers' pay isn't restricted to West Virginia. In Oklahoma, public school teachers are considering a statewide strike over their salaries.West Virginia teachers are equally unhappy with their employee health insurance program. Tentative agreements on pay did not include a fix to the Public Employees Insurance Agency (PEIA), which employees say requires them to pay premiums that are too high.A task force on the health insurance issue meets March 13. 3419

When you hear wedding bells, you often see dollar signs. But there are additional costs to consider besides basic ones like the venue, dress, photographer and cake.Here are some often overlooked wedding expenses and how to budget for them. 257

WINDSOR, N.C. — At least six people were killed as Tropical Storm Isaias spawned tornadoes and dumped rain Tuesday along the U.S. East Coast after making landfall as a hurricane in North Carolina, where it caused floods and fires that displaced dozens of people.Two people died when Isaias spun off a tornado that struck a North Carolina mobile home park. Another person died in Pennsylvania when their vehicle was overtaken by water and swept downstream. Two others were killed by falling trees toppled by the storm in Maryland and New York City, and a sixth person died in Delaware when a tree branch fell on them, authorities said.Isaias sustained top winds of up to 65 mph more than 18 hours after coming ashore, but it was down to 45 mph max winds as of 10:50 p.m. EDT Tuesday, according to the National Hurricane Center. The storm's center was about 45 miles southeast of Montreal, moving northeast into Canada at about 38 mph.As Isaias sped northward, flooding threats followed. The Schuylkill River in Philadelphia was projected to crest early Wednesday at 15.4 feet, its highest level in more than 150 years. By Tuesday night, the river had already topped its banks in low-lying Manayunk, turning bar-lined Main Street into a coffee-colored canal.Aerial video by WRAL-TV showed fields of debris where rescue workers in brightly colored shirts picked through splintered boards and other wreckage of the Windsor, North Carolina, mobile home park where two people were killed. Emergency responders searching the area Tuesday afternoon found no other casualties, and several people initially feared missing had all been accounted for, said Ron Wesson, chairman of the Bertie County Board of Commissioners. He said about 12 people were hospitalized.“It doesn’t look real; it looks like something on TV. Nothing is there,” Bertie County Sheriff John Holley told reporters, saying 10 mobile homes had been destroyed. “All my officers are down there at this time. Pretty much the entire trailer park is gone.”In eastern Pennsylvania, a 44-year-old Allentown woman was killed after encountering high waters on a street in Upper Saucon Township that swept her vehicle downstream Tuesday afternoon, the Lehigh County coroner’s office said.While in New York City, a massive tree fell and crushed a van in the Briarwood section of Queens, killing Mario Siles, a 60-year-old construction contractor who was inside the vehicle, police said. A woman in Mechanicsville, Maryland, died when a tree crashed onto her car during stormy conditions, said Cpl. Julie Yingling of the St. Mary’s County sheriff’s office.In Delaware, authorities said a woman was outside assessing storm damage when she was hit and killed by a falling tree branch.Isaias toggled between hurricane and tropical storm strength as it churned toward the East Coast. Fueled by warm ocean waters, the storm got a late burst of strength as a rejuvenated hurricane with top sustained winds of 85 mph before coming ashore late Monday near Ocean Isle Beach, North Carolina. Its tropical storm status was sustained, but weakened, as it headed north into Canada on Tuesday night.Before making landfall late Monday, Isaias killed two people in the Caribbean and battered the Bahamas before brushing past Florida.Tornadoes were confirmed by the National Weather Service in Virginia, Maryland, Delaware and New Jersey. Power outages also spread as trees fell, with more than 3.7 million customers losing electricity across multiple states as of 10:15 p.m. EDT Tuesday, according to PowerOutage.US, which tracks utility reports. New York City's power utility said it saw more outages from Isaias than from any storm except Superstorm Sandy in 2012.In Doylestown, Pennsylvania, officials said four children were treated for minor injuries after high winds partially tore the roof off a day care center. Also in the Philadelphia suburbs, rescue workers in Delaware County were searching for a young person who fell or jumped into the fast-moving water of a swollen creek, said Timothy Boyce, the county emergency services director.In New York City, fierce wind and rain forced the Staten Island ferry and outdoor subway lines to shut down. The New Jersey Turnpike banned car-pulled trailers and motorcycles.Some of the worst damage Tuesday seemed to be east and north of where the hurricane’s eye struck land in North Carolina.“Fortunately, this storm was fast-moving and has already left our state," Gov. Roy Cooper said Tuesday afternoon.In North Myrtle Beach, South Carolina, the storm sent waves crashing over the Sea Cabin Pier late Monday, causing a big section to collapse into the water as startled bystanders taking photos from the pier scrambled back to land.“I'm shocked it's still standing,” said Dean Burris, who watched from the balcony of a vacation rental.The Hurricane Center had warned oceanside dwellers near the North Carolina-South Carolina state line to brace for storm surge up to 5 feet and up to 8 inches of rain.Eileen and David Hubler were out early Tuesday cleaning up in North Myrtle Beach, where 4 feet (1.2 meters) of storm surge flooded cars, unhinged docks and etched a water line into the side of their home.“When the water started coming, it did not stop,” Eileen Hubler said. They had moved most items of value to their second floor, but a mattress and washing machine were unexpected storm casualties.“We keep thinking we’ve learned our lesson,” she said. “And each time there’s a hurricane, we learn a new lesson.” 5507

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