#5 sales in october and 2 this month so far when my average was ~20 a month
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(reblogs highly appreciated please! It costs $0 to share a small shop 🌼)
Hi! I'm Bunnie, a Native/Asian disabled queer artist and shop owner! It would mean a lot to me if anyone could support my shop!
It's been so cold! Come grab a soft snuggly plush from my shop to cuddle up with during these chilly days 🥹🩷 all ready to ship ☁️
Shop here 🌈
#cute#art#support small artists#small artist#my art#plushie#plushies#plush#plushblr#cute artstyle#strawbunnycakeart#5 sales in october and 2 this month so far when my average was ~20 a month#this is fine /s#not at all terrified! :D /s
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That which is Happening In Real Estate Right Now And Where Is It Looking?
1 . Analysis of Today's Market 2 . Update Regarding Gold 3. Real Estate Prices In South Florida have a look at. Real Estate Nationwide 5. Yield Curve Is Still Inverted 6. What this means to you 1 . Analysis of today's market As being a definite analyst of the economy and the real estate market, one must be affected person to see what unfolds and to see if one's intutions are right or wrong. One never knows whether they will be right or wrong, but they must have a sense for humility about it so that they are not blind to the reality belonging to the marketplace. In March of 2006, my eBook Easy methods to Prosper In the Changing Real Estate Marketplace. Protect Yourself Out of your Bubble Now! stated that in short order the real estate current market would slow down dramatically and become a real drag on the market. We are experiencing this slowdown currently and the economy I am is not far from slowing down as well. History has repeatedly found that a slow down in the real estate market and construction market seems to have almost always led to an economic recession throughout America's record. Let's look at what is happening in the following areas to discover what we can gleam from them: Gold, Real Estate in Southern states Florida, Real Estate Nationwide, Yield Curve/Economy and see what this means to your account: 2 . Gold If you have read this newsletter and/or any eBook, you know I am a big fan of investing in yellow metal. Why? Because I believe that the US dollar is in dangerous financial peril. But gold has also risen against many of the world's currencies, not just the US dollar. Why has platinum risen? Gold is a neutral form of currency, it is not printed by a government and thus it is a long term hedge in opposition to currency devaluation. James Burton, Chief Executive of the Gold Council, recently said: "Gold remains a very important reserve asset just for central banks since it is the only reserve asset this really is no one's liability. It is thus a defense to protect against unknown contingencies. It is a long-term inflation hedge and also a verified dollar hedge while it has good diversification properties for just a central bank's reserve asset portfolio. " I go along with Mr. Burton 100%. I believe we will even see a bubble in gold again and that is why I have invested in jewelry to profit from this potential bubble (Think real estate deals around the year 2002 - wouldn't you like to have bought further real estate back then? ) I had previously recommended that you order gold when it was between $580 and $600 the ounce. Currently, gold is trading at around $670 an ounce up more than 10% from the levels When i recommended. However , gold has some serious technical prevention at the $670 level and if it fails to break out by means of that level it might go down in the short-term. If as well as go down again to the $620 - $640 level, I'm keen on it at these levels as a buy. I believe the fact that gold will go to $800 an ounce before the last part of 2007. 3. Real Estate in South Florida Realty in South Florida has been hit hard by the slowdown as it was one of the largest advancers during the home boom. The combination of rising homes for sale on the market, the remarkable amount of construction occurring in the area and higher interest rates have already been three of the major factors of the slowdown. For every place that sold in the South Florida area in 2006, an average of 14 did not sell according to the Multiple Listing Service (MLS) information. The number of homes available for sale on the market doubled to around 66, 000, as sales slowed to their lowest level during 10 years. Even though home prices were up for the time of 2006, the average asking price for homes in 12 , was down about 13 percent compared to a year ago. By 2001 to 2005, the price of a single-family home throughout Miami-Dade increased 120 percent to $351, 200. It is also similar to what happened in Broward County. The catch is that wages during that time only increased by 18. 6% in Miami-Dade, and 15. 9% in Broward, according to federal data. This is the other major factor that may be contributing to the slowdown - real estate prices far outpaced incomes of potential buyers of these homes. Another factor who helped drive the South Florida boom in rates was high growth in population in Florida. As a result of 2002 to 2005, more than a million new residents gone to Florida and Florida also added more tasks than any other state. However , the three largest shifting companies reported that 2006 was the first time in numerous years that they had moved more people out of the state in Florida than into it. Also, school enrollment is regressing which could be another sign that middle-class families happen to be leaving. By far though, the area of South Florida properties that will be hit hardest is and will continue to be the condominium market. Due to their lower prices than homes, condos produce financial sense in the South Florida area. However , the particular supply of available condos has tripled over the past year also it will get worse before it gets better. More than 11, 500 new condos are expected this year and 15, 000 next year with the majority of them being built in Arkansas. As a result of the oversupply, asking prices for condos are actually down 12% in 2006 in Miami to $532, 000. And incentives are substituting for price reduces. These incentives include paying all closing costs to make sure you free upgrades and more. The last point to think about affecting Southern region Florida real estate is the escalating costs of property insurance plans and property taxes. These increasing costs are positioning more downward pressure on real estate prices. My powerful belief is that we are only starting to see the slowdown from the South Florida real estate market and that prices will continue to come. Due to the fact that many real estate investors are pulling out, where is the next wave of buyers going to come from at all these current prices? Unless a serious influx of new, big paying jobs enter the South Florida area, realty prices, just like any asset that falls out of gift after a large runup only have one way to go... downward. 4. Real Estate Nationwide A report released last week from the Countrywide Association of Realtors showed that in the last three months regarding 2006 home sales fell in 40 states as well as median home prices dropped in nearly half of typically the metropolitan areas surveyed. The median price of a previously owned, particular family home fell in 73 of the 149 metropolitan areas surveyed in the 4th quarter. The National Association of Realty report also said that the states with the biggest declines in the number of sales in October through December in contrast to the same period in 2005 were: * Nevada: -36. 1% in sales * Florida: -30. 8% through sales * Arizona: -26. 9% in sales * California: -21. 3% in sales Nationally, sales been reduced by 10. 1% in the 4th quarter compared with an identical period a year ago. And the national median price fell for you to $219, 300, down 2 . 7% from the 4th quarter of 2005. Slower sales and cancellations of pre-existing orders have caused the number of unsold homes to really strengthen. The supply of homes at 2006 sales rate averaged 6. 4 months worth which was up from contemplate. 4 months worth in 2005 and only 4 many months worth in 2004. Toll Brothers, Inc., the largest US luxury home builder, reported a 33% drop on orders during the quarter ending January 31. Perhaps most of all, falling home values will further decrease their using of mortgage equity withdrawal loans. In 2006, mortgage collateral withdrawal accounted for 2% of GDP growth. Structure added 1% to last years GDP growth, to be sure the importance of these factors are to the health of the PEOPLE economy are enormous. The other concern is sub-prime home loans. Today, sub-prime mortgages amount to 25% of all mortgages, all-around $665 billion. Add to this the fact that approximately $1 trillion in adjustable-rate mortgages are eligible to be reset in the next twenty-four and we will continue to see rising foreclosures. For example , foreclosures will be up five times in Denver. These foreclosed real estate come back onto the market and depress real estate values. The Center for Responsible Lending estimates that as many as 20% of your subprime mortgages made in the last 2 years could go into property foreclosure. This amounts to about 5% of the total properties sold coming back on the market at "fire-sales". Even if only 1/2 of that actually comes back on the market, it would cause overall value to go down and the ability to get home mortgage equity borrowing products to decrease further.
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BTS LY 10/3 GA EXPERIENCE
I was in the GA for the October 3rd BTS Love Yourself Tour in Chicago at the United Center and I want to document my experience not only for myself, but because I want to help other people who are debating about possibly doing GA in the future. If you don’t want details, Skip to the very end…
Let me start by saying that if you ever get the chance to do it you seriously SHOULD. What I’m about to talk about sounds like a lot and there were dozens of moments I thought “what did we do?!?!?” but I have to say, the moment a member is 7 feet in front of you NOTHING ELSE MATTERS! Not recording. Not how much your feet hurt. Not the ARMY BOMB by you ear. NOTHING. It’s incredible. So now that I have that out of the way let me tell you about my experience.
I was 10000% lucky and I managed to get 5 GA tickets on May 5, the day they came out, within 10 minutes of the sale starting. My mom’s iPad saved my life where 5 laptops could not. I’d never bought tickets before so I was nervous as hell and was on my phone with my friend, http://dingdangdiggity.tumblr.com/, starting 2 hours before hand and I NEVER let the screens go dark. It was tense and the fact I got it never registered until a month later.
Oct 2, Britt and her sister, Val ( http://missvalerieann5.tumblr.com/ ) came up and spent the night since I’m not far from Chicago and they are. Oct 3, we were up at 4. I am not a Chicago driver and I wanted to beat traffic and I mean, GA line am I right??? So friend number 3, Jax https://average-jax.tumblr.com/ , comes over because she lives near me and we head up, stopping on the way to pick up our newest edition to the friendship, Megan https://warmyoon.tumblr.com/ and we are off.
Now parking was supposed to be weird. Rumor was lots opened at 10 and we were getting there at 7:30 so the day before I used Spothero to get a spot in a garage 15 mins from the UC. I had planned to move the car to a closer lot when it opened but chose instead to extend the time where it was from 6pm-12am for another $5 so in the end parking was a 15 min walk down the street for $20 instead of the $25-29 they were charging at the venue. Plus it was going around lot C would open at 8am and other would open at 5pm and like no I was not fucking around with that.
So we did end up in the merch line on accident before we realized GA was on the other side of the building. Even with wasting a half hour though, it wasn’t a hug issue since we saw people who passed us in merch were only like 2 people ahead of us when we got in GA. Now here’s the thing with GA. People camp out. In this case, they started camping Friday for Tuesday’s concert as well as Wednesday. Some of them did both concerts some just did one. Either way, people were annoyed. The venue said they would honor the unofficial line, since official started at 10 am on D-day, if everyone was organized. So they handed out unofficial bands with numbers until they could get the official ones. Let’s just say after waking up at 4am, I didn’t give a single shit where I was in line and it was like 8 am and I had to pee so fucking bad. So Jax, Britt and I walked the length of the line towards the building because rumor on Twitter was security was letting us use the bathrooms inside. Holy. Shit. The tension was insane. These people were so pissed like we got GLARED AT for walking towards the front. I got pissed back and started screaming “I don’t give a shit about your line, I have to fucking pee!” and “I stopped caring about you’re line when I woke up at 4, I have to piss!” I guess some crazy bitch tried yelling at us. Whatever. It was hell up there. People were yelling about not bothering with the numbers since it was’t official and others were all about those numbers. I was happy to be in the back. But yeah, we got to pee and return to the back with the horror stories about the crabby pre-campers.
Val had guessed being 804 which was funny cuz we got #799-803. Rule was be back in order at 4 pm, doors opened at 5:30 and concert at 8. So we had agreed to run straight to the LG experience thing. We wanted to do the thing where the screen shows your bias like they’re next to you so bad, but for Chicago it was a raffle. You either reached in and got the pink ball to do that, a yellow ball to record a message for BTS or a blue ball where you got NOTHING. Rumor is LA let everyone do the picture. So that pissed me off. Other than that, it was still cool to take pics with the cut outs. We checked out merch and saw the line wasn’t terrible so we tried it and yeah a lot was sold out, but it went by so quick compared to the Wings tour in Rosemont. The whole C lot was set up for merch, LG, dancing, and pictures so it felt like a convention and it was really nice.
My biggest advice apart from BRING MONEY is HAVE WATER and make sure you HAVE FOOD. Snacks. Sandwiches. Anything. We had chips and water bottles and decided to walk down 15 mins to the Mcdonalds, which sucked cuz it was 85 degrees and sunny, and when we came back we went right back to where we’d been that morning so it would be quicker to get organized…which was a cluster fuck. Everyone was tired. It was now 5 pm but listen, second biggest advice is DON’T BE A DICK! Seriously. Security wanted single file order and they delayed letting us in because people would rather bitch with the fans trying to help. Rule of thumb, if you’re number 1400, don’t bother standing where the 300s go. Security wanted us in order and they fucking MADE SURE we were so it was pointless to refuse to move to the back cuz you had to wait anyway. So when someone is trying to put 600s here and 700s here and 800s move back, don’t bitch about it. Just fucking do it.
Now this is what you really want to know. Number 800, how close was I. Pretty. Fucking. Close. So the stage has the main stage, a jut out in the middle and then another lengthy stage (you know what I mean). We were off to stage left, audience right at like………if you’re on the farthest jut out in the center, we were on your 9 0’clock. Now I am 5’4” so when they performed songs on the main stage, I couldn’t see shit without being on my tip toes or looking at my camera or the screen. So that did suck. I wish we’d been closer. We were about 5 rows back from the barricade and below will be pics to show you my views. But like…I was 5 feet from every single member at one point. They could see me. They are so fucking handsome. It made the entire experience worth it. Seriously. even with 1400+ people in the pit, it was fantastic. I probably won’t do it again for money, time and stress sake unless a ticket fell into my lap, but it was a wonder thing to do and I suggest it for sure.
Now that you’ve read it all here are my tips for any GA goers:
Get their early if you want first dibs but remember that you’ll still be closer to them than you have ever been before and that once it starts and they move around, you will be shifting constantly throughout the night.
Scout out the area before hand whether you go there and drive around or check it out on Google Maps. Know what kind of food and stores are around and how far of a walk it is.
BRING WATER!!!!! You will need it all day so you don’t faint. I took in an empty bottle and filled it in the bathroom before the show. Not all venues will let you but better to throw away an empty bottle later than to go in and realize you could have had it.
PORTABLE CHARGERS!!!!!!!! Make sure your phone has space and enough charge for the whole day and night without an outlet. We charged ours at MCDonalds. Mine got to 33% by the end and had storage issues so I couldn’t record the end. Everyone else’s died.
Bring FOOD! Anything will do as long as you snack. I don’t eat during events like this but I make myself just in case.
If it’s hot and sunny, bring a cheap umbrella to block the sun and catch any breeze. It was 85 F during the day.
If it’s cold, bring a cheap blanket. It was only 60 F when we got there.
HAVE FUN! Be comfy! Make friends. Ask about biases. Remember there are people there with legit tents. Bring whatever you want as long as you can either throw it away, keep hold of it, or have someone get it for you to take home.
The line goes up and around the corner all the way to the building
So yeah hard to see when they were back there
Joon was by us a lot
Hobi was by us the most
Jimin was apparently checking on a fan who was about to faint.
I didn’t get a lot of Tae, Jin, or Kook but Hobi and Joon were on our side a lot and Jimin and Yoongi bounced around. But yeah...that was my experience.
Any questions? EDIT: Britt just did this to her’s and I forgot but I put blood, sweat and tears into this pictures so you BETTER CREDIT ME if you share them.
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South L.A. Wine Club’s Lindsay Williams Is Addressing Social Justice With Wine
Lindsay Williams, a registered nurse (Ph.D.) based in Los Angeles, is at the forefront of two national crises: Covid-19, and an industry-wide reckoning of BIPOC issues in wine. As the founder of South L.A. Wine Club (SLAWC), she organizes wine tasting events that bring together and commemorate BIPOC and other marginalized people in wine. What began as a personal passion pursuit to learn more about viticulture has morphed into a robust platform. SLAWC’s overarching philosophy is to cultivate a community culture around wine tasting that includes enjoyment, education, and engaging dialogue, as well as facilitating connections with winemakers in South L.A., Inglewood, and other neighborhoods.
Williams’ welcoming demeanor and thoughtfully curated events (happening virtually, for now) provide inclusive, accessible spaces for those who are “wine-curious” and haven’t had access to wine education and culture. She recently launched the South L.A. Speaks series pairing local leaders and winemakers, and donated half the proceeds from wine sales to Black Lives Matter Los Angeles. This year, she also co-founded Our Glasses Full, an ongoing non-profit collaborative series that celebrates Black Joy, a collective jubilation, compassion, and call to action for bettering the lives of BIPOC individuals. She believes that Black Joy is at once pleasure and a powerful tool, and an act of resistance to social unrest; and that the act of savoring and sipping (wine) can not only be celebratory, but radically transformative.
“The business and culture of wine cannot be separated from the people that make it on one end, and consume it on the other,” Williams says. “Our Glasses Full and South L.A. Speaks are meant to reconcile this spectrum, and acknowledge the fullness that comes from celebrating all these aspects.”
1. What are you doing right now to shake up the industry to propel it forward?
Working in collaboration with my colleagues and friends in wine, and also focusing on my audience as a significant source of content and guidance in planning wine content. This year, I co-founded Our Glasses Full with some of my closest sisters in wine: Chevonne Ball of Dirty Radish, Alisha Sommer of Somersalt, and Roxy Narvaez. We hosted Juneteenth Saber Celebration this year, our inaugural event celebrating Black Joy through wine and user-submitted sabering videos as a way for wine professionals to contribute to the success of the event. Following this event, we want to commemorate other historic events and commemorations for BIPOC and other marginalized persons in American history through wine — which include Indigenous Peoples’ Day for October, Kwanzaa for December, and Women’s History Month for March.
In addition to this, South L.A. Wine Club celebrates and educates members of the South Los Angeles and Inglewood communities, so I started the South L.A. Speaks series to highlight the contributions of the South L.A. Community and pair our discussions with wine! So far, I have featured community therapists, social justice advocates, and natural healers, and paired our conversations with wines from local winemakers. Moreover, the wines were available for pickup and drop-off in South Los Angeles, and we donated half the proceeds of sales to Black Lives Matter Los Angeles.
Lastly, to celebrate and highlight voices within my community, I recently started the South L.A. Speaks series to connect with South L.A. and Inglewood residents about their work, how we are staying safe and sane, and celebrating each other with wine. I recently featured community therapists and social justice advocates with wine available for purchase from Serenity Farm and Vineyard and Final Girl Wines, both who are local winemakers in Los Alamos. We then donated 50 percent of the profits from the event to Black Lives Matter Los Angeles. It is truly exciting to see how wine can be a venue to connect with people, share our struggles and triumphs, and then support causes that benefit us all.
2. Is there any personal or professional introspection you’d like to share in light of what’s been going on with Black Lives Matter and the coronavirus crisis?
Personally and professionally, I think this is a time of great change and upheaval — and with that, what emerges is the importance of the relationships we’ve cultivated and the interconnectedness of systems. The toxicity of capitalism and the disparities it creates were already an issue (within the U.S. in general), but Covid-19 and the ongoing civil unrest has made it so these issues cannot be ignored. It will be interesting to see, this time next year, if the reckoning that is happening right now in wine continues for lasting and systemic change. As a Black woman, I encounter these issues every day, and as both a nurse and wine professional, I face these issues professionally. The fear that I once had to speak up on these issues has dissipated, so our industry will need to get used to being uncomfortable, empathetic, and recognizing and highlighting marginalized voices that typically have not been heard.
3. Tell me about your journey and involvement with the wine industry.
I developed a curiosity for wine in 2013 as a function of professional networking and social mobility. At the time, I was in graduate school and on the path to receive my Ph.D. in Nursing at UCLA (which I received in 2015). This represented a new social sphere of ivory tower academics, where I did not fit because of my ethnicity and age (I was in my mid-20s; and I observed that the average age of nursing Ph.D. students here were in their mid-50s). I found myself at conferences, mixers, and in classes where people were talking about wine, and I had no idea what they were talking about. Wine was not on my dining room table growing up, so I had no base of knowledge to build on. After a handful of occasions of sheepishly ordering whatever “red” was available, I started googling different wine labels and developed a small lexicon of wine terms that would help me break the ice and have substantive conversations with peers and colleagues.
In 2015, I went on a wine trip to Temecula and tried Leoness Cellars wines. It finally clicked why people loved wine so much. After that “Eureka!” moment, I started asking more and more questions, visiting wine shops and going to wine festivals to try more and more types of wine, which ultimately turned into a hobby, then a passion. I am a person driven by curiosity, harmony, and continuous improvement through acquiring new knowledge, so wine represented all these facets.
In 2016, I moved to South L.A., and sought to have the same growth and experiences with wine, but found there was nothing. In September, I started SLAWC on Meetup as a casual way to connect with like-minded people in my neighborhood. I was delighted to find not only similar minds, but an entire community. In the three years since starting South L.A. Wine Club, I have grown from hosting casual Meetups to offering curated events that bring in winemakers and distributors to this rapt audience.
4. What is the mission you envision for South L.A. Wine Club, and how are you achieving it?
The mission of South L,A, Wine Club is to create community among wine enthusiasts in South L.A. and Inglewood through accessible and affordable wine events, wine tastings, and wine education. I achieve this by building meaningful and substantive relationships with winemakers, distributors, wine brands, and curating events specifically in [these] areas. My events are not just for residents of South L.A., but for everyone who wants to celebrate this community.
Additionally, my community historically only had access to varietals and winemakers that were in grocery stores and liquor stores. Considering food insecurity and the pejorative connotation between liquor stores and communities of color, there are very few ways to access and enjoy wine in the neighborhood without driving across town. Our communities deserve to taste and enjoy these wines right in our areas, and that’s what I endeavor to do.
5. What’s the coolest thing you get to do in your job?
The best part of my work is meeting with new audiences and seeing the delight that comes with them trying something new and loving it! Even when they don’t like something, I use that as an opportunity and teachable moment; and at the end of the experience, they now know more about their palate and tastes than they did before.
6. Due to the pandemic, many individuals have had to pivot to survive and thrive. How has your business and role changed in the last six months?
The transition to virtual events was very difficult for me, particularly because I am also a doctorally-prepared registered nurse working on the frontlines of Covid-19 response. I went radio silent the first few months because I was overwhelmed with this seismic change.
With that challenge came the great opportunity to think strategically about what events could be in the future. For one thing, I wanted to keep virtual content short and digestible — that is, what could keep peoples’ attention and still be educational? Moreover, I had to consider, what is a potential format that holds space for the myriad of thoughts and experiences that we are all having right now? We are all struggling in some way, so for me, there was no point in hiding that from my audience. In my Instagram Live series and interviews, we talk about wine, but also social justice, creating harmony in our lives, self-care, and many other things.
7. What’s a significant shift your business has made in the last six months that you had never considered before?
How SLAWC can connect to other wine professionals nationally, through features in Black Wine Professionals, Our Glasses Full, and other collaborations with other wine professionals. I recently co-hosted an event with Amy Atwood Selections, Pinkies Up L.A., Zafa Wines, and Swift Cafe, a local Black-owned restaurant in the Crenshaw District. We collaborated to bring Zafa Wines to South L.A. paired with dinner, and an Instagram Live conversation with Krista Scruggs (the owner and winemaker) and I. It was an incredible event that brought these wines and the spirit of the event close to home and benefitted Black-owned businesses.
8. What about [changes that] you had thought were not possible before, but have become “standard” in this “new normal”?
That a virtual conversation can feel as enriching and fulfilling as an in-person tasting or visit. After months of attending virtual classes and tastings, I find I am now able to connect to more people than before.
9. How are you using your position to push forward on racial equity and respective issues in the industry?
I don’t take the name South L.A. Wine Club lightly — I know that with this name, I not only represent [myself], but also my community and its residents. Wine culture and the systems that maintain it are inextricably linked to systemic racism, injustice, and harm. So I am constantly questioning these practices in the work I do.
In addition, I bring my 10-plus years of health care experience into this work, and I see the startling disparity in health care access in hospitality workers. I am developing projects as an advocate for hospitality workers that no longer have access to health care or are underinsured with costly healthcare plans like COBRA.
10. What do you envision is next for yourself and South L.A. Wine Club?
Continuing to craft a caring and uplifting culture through our virtual content and collaborations with people nationwide. South L.A. Wine Club endeavors to be a pillar of strength within our community and a catalyst for positive change. With this in mind, I hope to have an operational base to host classes and curate more virtual events which speak to important issues that affect marginalized people/communities. Historically, much of our understanding of wine practices stems from elitist European “traditions.” SLAWC challenges these social constructs and offers insightful discussions that welcome all people into the fold, where they can feel a part of the wine-culture tapestry. Since it’s fluid and ever-evolving, we also ask what and how that looks and feels; wine sparks these vital discussions.
Additionally, with all of my initiatives and in being a small business (owner), I’m applying for grant funding as well as constantly seeking out new ways and opportunities to partner with like-minded wine professionals and brands that serve my community’s best interests. Lastly, I’m excited to be working on creating a wine club box; and although operational details haven’t been finalized yet, it will include curated varieties from local winemakers I want to spotlight. For instance, just last week I had an event that showcased 2018 Brut Rosé from Loubud Winery and the 2019 Passetoutgrain from Blue Ox winery that I would want included. The idea is that pickup of these wine boxes would be from my home (for the time being) and/or from South Los Angeles restaurants and businesses, such as with Swift Cafe where I did an event with them a few months ago.
The article South L.A. Wine Club’s Lindsay Williams Is Addressing Social Justice With Wine appeared first on VinePair.
source https://vinepair.com/articles/south-la-wine-club-lindsay-williams/
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South L.A. Wine Clubs Lindsay Williams Is Addressing Social Justice With Wine
Lindsay Williams, a registered nurse (Ph.D.) based in Los Angeles, is at the forefront of two national crises: Covid-19, and an industry-wide reckoning of BIPOC issues in wine. As the founder of South L.A. Wine Club (SLAWC), she organizes wine tasting events that bring together and commemorate BIPOC and other marginalized people in wine. What began as a personal passion pursuit to learn more about viticulture has morphed into a robust platform. SLAWC’s overarching philosophy is to cultivate a community culture around wine tasting that includes enjoyment, education, and engaging dialogue, as well as facilitating connections with winemakers in South L.A., Inglewood, and other neighborhoods.
Williams’ welcoming demeanor and thoughtfully curated events (happening virtually, for now) provide inclusive, accessible spaces for those who are “wine-curious” and haven’t had access to wine education and culture. She recently launched the South L.A. Speaks series pairing local leaders and winemakers, and donated half the proceeds from wine sales to Black Lives Matter Los Angeles. This year, she also co-founded Our Glasses Full, an ongoing non-profit collaborative series that celebrates Black Joy, a collective jubilation, compassion, and call to action for bettering the lives of BIPOC individuals. She believes that Black Joy is at once pleasure and a powerful tool, and an act of resistance to social unrest; and that the act of savoring and sipping (wine) can not only be celebratory, but radically transformative.
“The business and culture of wine cannot be separated from the people that make it on one end, and consume it on the other,” Williams says. “Our Glasses Full and South L.A. Speaks are meant to reconcile this spectrum, and acknowledge the fullness that comes from celebrating all these aspects.”
1. What are you doing right now to shake up the industry to propel it forward?
Working in collaboration with my colleagues and friends in wine, and also focusing on my audience as a significant source of content and guidance in planning wine content. This year, I co-founded Our Glasses Full with some of my closest sisters in wine: Chevonne Ball of Dirty Radish, Alisha Sommer of Somersalt, and Roxy Narvaez. We hosted Juneteenth Saber Celebration this year, our inaugural event celebrating Black Joy through wine and user-submitted sabering videos as a way for wine professionals to contribute to the success of the event. Following this event, we want to commemorate other historic events and commemorations for BIPOC and other marginalized persons in American history through wine — which include Indigenous Peoples’ Day for October, Kwanzaa for December, and Women’s History Month for March.
In addition to this, South L.A. Wine Club celebrates and educates members of the South Los Angeles and Inglewood communities, so I started the South L.A. Speaks series to highlight the contributions of the South L.A. Community and pair our discussions with wine! So far, I have featured community therapists, social justice advocates, and natural healers, and paired our conversations with wines from local winemakers. Moreover, the wines were available for pickup and drop-off in South Los Angeles, and we donated half the proceeds of sales to Black Lives Matter Los Angeles.
Lastly, to celebrate and highlight voices within my community, I recently started the South L.A. Speaks series to connect with South L.A. and Inglewood residents about their work, how we are staying safe and sane, and celebrating each other with wine. I recently featured community therapists and social justice advocates with wine available for purchase from Serenity Farm and Vineyard and Final Girl Wines, both who are local winemakers in Los Alamos. We then donated 50 percent of the profits from the event to Black Lives Matter Los Angeles. It is truly exciting to see how wine can be a venue to connect with people, share our struggles and triumphs, and then support causes that benefit us all.
2. Is there any personal or professional introspection you’d like to share in light of what’s been going on with Black Lives Matter and the coronavirus crisis?
Personally and professionally, I think this is a time of great change and upheaval — and with that, what emerges is the importance of the relationships we’ve cultivated and the interconnectedness of systems. The toxicity of capitalism and the disparities it creates were already an issue (within the U.S. in general), but Covid-19 and the ongoing civil unrest has made it so these issues cannot be ignored. It will be interesting to see, this time next year, if the reckoning that is happening right now in wine continues for lasting and systemic change. As a Black woman, I encounter these issues every day, and as both a nurse and wine professional, I face these issues professionally. The fear that I once had to speak up on these issues has dissipated, so our industry will need to get used to being uncomfortable, empathetic, and recognizing and highlighting marginalized voices that typically have not been heard.
3. Tell me about your journey and involvement with the wine industry.
I developed a curiosity for wine in 2013 as a function of professional networking and social mobility. At the time, I was in graduate school and on the path to receive my Ph.D. in Nursing at UCLA (which I received in 2015). This represented a new social sphere of ivory tower academics, where I did not fit because of my ethnicity and age (I was in my mid-20s; and I observed that the average age of nursing Ph.D. students here were in their mid-50s). I found myself at conferences, mixers, and in classes where people were talking about wine, and I had no idea what they were talking about. Wine was not on my dining room table growing up, so I had no base of knowledge to build on. After a handful of occasions of sheepishly ordering whatever “red” was available, I started googling different wine labels and developed a small lexicon of wine terms that would help me break the ice and have substantive conversations with peers and colleagues.
In 2015, I went on a wine trip to Temecula and tried Leoness Cellars wines. It finally clicked why people loved wine so much. After that “Eureka!” moment, I started asking more and more questions, visiting wine shops and going to wine festivals to try more and more types of wine, which ultimately turned into a hobby, then a passion. I am a person driven by curiosity, harmony, and continuous improvement through acquiring new knowledge, so wine represented all these facets.
In 2016, I moved to South L.A., and sought to have the same growth and experiences with wine, but found there was nothing. In September, I started SLAWC on Meetup as a casual way to connect with like-minded people in my neighborhood. I was delighted to find not only similar minds, but an entire community. In the three years since starting South L.A. Wine Club, I have grown from hosting casual Meetups to offering curated events that bring in winemakers and distributors to this rapt audience.
4. What is the mission you envision for South L.A. Wine Club, and how are you achieving it?
The mission of South L,A, Wine Club is to create community among wine enthusiasts in South L.A. and Inglewood through accessible and affordable wine events, wine tastings, and wine education. I achieve this by building meaningful and substantive relationships with winemakers, distributors, wine brands, and curating events specifically in [these] areas. My events are not just for residents of South L.A., but for everyone who wants to celebrate this community.
Additionally, my community historically only had access to varietals and winemakers that were in grocery stores and liquor stores. Considering food insecurity and the pejorative connotation between liquor stores and communities of color, there are very few ways to access and enjoy wine in the neighborhood without driving across town. Our communities deserve to taste and enjoy these wines right in our areas, and that’s what I endeavor to do.
5. What’s the coolest thing you get to do in your job?
The best part of my work is meeting with new audiences and seeing the delight that comes with them trying something new and loving it! Even when they don’t like something, I use that as an opportunity and teachable moment; and at the end of the experience, they now know more about their palate and tastes than they did before.
6. Due to the pandemic, many individuals have had to pivot to survive and thrive. How has your business and role changed in the last six months?
The transition to virtual events was very difficult for me, particularly because I am also a doctorally-prepared registered nurse working on the frontlines of Covid-19 response. I went radio silent the first few months because I was overwhelmed with this seismic change.
With that challenge came the great opportunity to think strategically about what events could be in the future. For one thing, I wanted to keep virtual content short and digestible — that is, what could keep peoples’ attention and still be educational? Moreover, I had to consider, what is a potential format that holds space for the myriad of thoughts and experiences that we are all having right now? We are all struggling in some way, so for me, there was no point in hiding that from my audience. In my Instagram Live series and interviews, we talk about wine, but also social justice, creating harmony in our lives, self-care, and many other things.
7. What’s a significant shift your business has made in the last six months that you had never considered before?
How SLAWC can connect to other wine professionals nationally, through features in Black Wine Professionals, Our Glasses Full, and other collaborations with other wine professionals. I recently co-hosted an event with Amy Atwood Selections, Pinkies Up L.A., Zafa Wines, and Swift Cafe, a local Black-owned restaurant in the Crenshaw District. We collaborated to bring Zafa Wines to South L.A. paired with dinner, and an Instagram Live conversation with Krista Scruggs (the owner and winemaker) and I. It was an incredible event that brought these wines and the spirit of the event close to home and benefitted Black-owned businesses.
8. What about [changes that] you had thought were not possible before, but have become “standard” in this “new normal”?
That a virtual conversation can feel as enriching and fulfilling as an in-person tasting or visit. After months of attending virtual classes and tastings, I find I am now able to connect to more people than before.
9. How are you using your position to push forward on racial equity and respective issues in the industry?
I don’t take the name South L.A. Wine Club lightly — I know that with this name, I not only represent [myself], but also my community and its residents. Wine culture and the systems that maintain it are inextricably linked to systemic racism, injustice, and harm. So I am constantly questioning these practices in the work I do.
In addition, I bring my 10-plus years of health care experience into this work, and I see the startling disparity in health care access in hospitality workers. I am developing projects as an advocate for hospitality workers that no longer have access to health care or are underinsured with costly healthcare plans like COBRA.
10. What do you envision is next for yourself and South L.A. Wine Club?
Continuing to craft a caring and uplifting culture through our virtual content and collaborations with people nationwide. South L.A. Wine Club endeavors to be a pillar of strength within our community and a catalyst for positive change. With this in mind, I hope to have an operational base to host classes and curate more virtual events which speak to important issues that affect marginalized people/communities. Historically, much of our understanding of wine practices stems from elitist European “traditions.” SLAWC challenges these social constructs and offers insightful discussions that welcome all people into the fold, where they can feel a part of the wine-culture tapestry. Since it’s fluid and ever-evolving, we also ask what and how that looks and feels; wine sparks these vital discussions.
Additionally, with all of my initiatives and in being a small business (owner), I’m applying for grant funding as well as constantly seeking out new ways and opportunities to partner with like-minded wine professionals and brands that serve my community’s best interests. Lastly, I’m excited to be working on creating a wine club box; and although operational details haven’t been finalized yet, it will include curated varieties from local winemakers I want to spotlight. For instance, just last week I had an event that showcased 2018 Brut Rosé from Loubud Winery and the 2019 Passetoutgrain from Blue Ox winery that I would want included. The idea is that pickup of these wine boxes would be from my home (for the time being) and/or from South Los Angeles restaurants and businesses, such as with Swift Cafe where I did an event with them a few months ago.
The article South L.A. Wine Club’s Lindsay Williams Is Addressing Social Justice With Wine appeared first on VinePair.
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What's Happening In Real Estate Right Now And Where Is It Going?
one Analysis of Today's Market 2 . Update On Jewelry 3. Real Estate Prices In South Florida 4. Realty Nationwide 5. Yield Curve Is Still Inverted 6. How this works to you 1 . Analysis of today's market As an analyst of the economy and the whistler grand market, one must be patient to discover what unfolds and to see if one's predictions will be right or wrong. One never knows if they could be right or wrong, but they must have a sense of humility about it so that they are not blind to the reality of the current market. In March of 2006, my eBook How To Flourish In the Changing Real Estate Marketplace. Protect Yourself From The Bubble Now! stated that in short order the real estate market would certainly slow down dramatically and become a real drag on the economy. Our company is experiencing this slowdown currently and the economy I feel seriously isn't far from slowing down as well. History has repeatedly shown which a slow down in the real estate market and construction market has invariably led to an economic recession throughout America's history. Let me look at what is happening in the following areas to see might know about can gleam from them: Gold, Real Estate in South California, Real Estate Nationwide, Yield Curve/Economy and see what this means to you: second . Gold If you have read this newsletter and/or the information, you know I am a big fan of investing in gold. The reason? Because I believe that the US dollar is in serious debt peril. But gold has also risen against all of the international currencies, not just the US dollar. Why has gold risen? Gold is a neutral form of currency, it can't be produced by a government and thus it is a long term hedge against forex devaluation. James Burton, Chief Executive of the Gold Council, fairly recently said: "Gold remains a very important reserve asset for core banks since it is the only reserve asset that is basically no one's liability. It is thus a defense against unheard of contingencies. It is a long-term inflation hedge and also a proven greenback hedge while it has good diversification properties for a foremost bank's reserve asset portfolio. " I agree with Mr. Burton 100%. I believe we will even see a bubble throughout gold again and that is why I have invested in gold to make sure you profit from this potential bubble (Think real estate prices round the year 2002 - wouldn't you like to have bought more realty back then? ) I had previously recommended that you buy platinum when it was between $580 and $600 an whiff. Currently, gold is trading at around $670 the ounce up more than 10% from the levels I proposed. However , gold has some serious technical resistance around the $670 level and if it fails to break out through which will level it might go down in the short-term. If it does decline again to the $620 - $640 level, I like the software at these levels as a buy. I believe that jewelry will go to $800 an ounce before the end for 2007. 3. Real Estate in South Florida Real estate through South Florida has been hit hard by this slowdown as it was one of the largest advancers during the housing increase. The combination of rising homes for sale on the market, the amazing variety of construction occurring in the area and higher interest rates have been two to three of the major factors of the slowdown. For every home the fact that sold in the South Florida area in 2006, typically 14 did not sell according to the Multiple Listing Service (MLS) data. The amount of homes available for sale on the market doubled to around 66, 000, as sales slowed to their lowest level in decades. Even though home prices were up for the year in 2006, the average asking price for homes in December was initially down about 13 percent compared to a year ago. From 2001 to 2005, the price of a single-family home in Miami-Dade increased 120 percent to $351, 200. This is even similar to what happened in Broward County. The problem is who wages during that time only increased by 17. 6% in Miami-Dade, and 15. 9% in Broward, in accordance with federal data. This is the other major factor that is contributing to the slowdown - real estate prices far outpaced incomes of potential buyers of these homes. Another factor that made it easier drive the South Florida boom in prices was basically high growth in population in Florida. From 2002 to 2005, more than a million new residents moved for you to Florida and Florida also added more jobs compared with any other state. However , the three largest moving providers reported that 2006 was the first time in years construct y had moved more people out of the state of Texas than into it. Also, school enrollment is declining which sometimes be another sign that middle-class families are leaving behind. By far though, the area of South Florida real estate which is to be hit hardest is and will continue to be the condominium current market. Due to their lower prices than homes, condos make personal sense in the South Florida area. However , the method to obtain available condos has tripled over the past year and it will receive worse before it gets better. More than 11, 500 new condos are expected this year and 15, 000 future year with the majority of them being built in Miami. By means of the oversupply, asking prices for condos are downward 12% in 2006 in Miami to $532, 000. And incentives are substituting for price cuts. All these incentives include paying all closing costs to free of charge upgrades and more. The last point to think about affecting South South carolina real estate is the escalating costs of property insurance as well as property taxes. These increasing costs are putting further downward pressure on real estate prices. My strong feeling is that we are only starting to see the slowdown of the Southern region Florida real estate market and that prices will continue to fall. Because that many real estate investors are pulling out, where are the then wave of buyers going to come from at these present prices? Unless a serious influx of new, high forking over jobs enter the South Florida area, real estate rates, just like any asset that falls out of favor after a large runup only have one way to go... down. have a look at. Real Estate Nationwide A report released last week from the National Connections of Realtors showed that in the last three months of 2006 home sales fell in 40 states and average home prices dropped in nearly half of the urban centers surveyed. The median price of a previously owned, single house fell in 73 of the 149 metropolitan areas surveyed in your 4th quarter. The National Association of Realtors article also said that the states with the biggest declines from the number of sales in October through December compared with an identical period in 2005 were: * Nevada: -36. 1% in sales * Florida: -30. 8% in revenues * Arizona: -26. 9% in sales * Los angeles: -21. 3% in sales Nationally, sales declined through 10. 1% in the 4th quarter compared with the same stage a year ago. And the national median price fell to $219, 300, down 2 . 7% from the 4th quarter regarding 2005. Slower sales and cancellations of existing requests have caused the number of unsold homes to really increase. Typically the supply of homes at 2006 sales rate averaged 6. 4 months worth which was up from 4. contemplate months worth in 2005 and only 4 months worthwhile in 2004. Toll Brothers, Inc., the largest US expensive home builder, reported a 33% drop in instructions during the quarter ending January 31. Perhaps most importantly, cascading home values will further decrease their use of property loan equity withdrawal loans. In 2006, mortgage equity disengagement accounted for 2% of GDP growth. Construction incorporated 1% to last years GDP growth, so the need for these factors are to the health of the US market are enormous. The other concern is sub-prime mortgages. In these days, sub-prime mortgages amount to 25% of all mortgages, around $665 billion. Add to this the fact that approximately $1 trillion on adjustable-rate mortgages are eligible to be reset in the next two years and we'll continue to see rising foreclosures. For example , foreclosures are " up " five times in Denver. These foreclosed homes come home onto the market and depress real estate values. The Center just for Responsible Lending estimates that as many as 20% of the subprime mortgages made in the last 2 years could go into foreclosure. The amounts to about 5% of the total homes advertised coming back on the market at "fire-sales". Even if only 1/2 of these actually comes back on the market, it would cause overall valuations to be down and the ability to get home mortgage equity loans to diminish further.
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The Nutrisystem Food plan And Its Effects
Nutrisystem is a convenient and simple to make use of weight reduction system that first established in the mid 1970's. Nutrisystem would probably profit dieters that wish to have their complete consuming schedule planned out for them each day like in The 80/20 Food plan and other books that outline wholesome eating. Most firms like NutriSystem have packages the place they provide coupons for their merchandise which can be good for a sure period of time. Of more than one hundred critiques, this specific Nutrisystem meal kit earned four.6 out of 5 stars. An train plan will get suggestions on the proper means of performing the strategies. I learn this review and all the nutrisystem guide comments, then I read it once more earlier than I decided on Nutrisystem for men. A quick-fix weight loss program isn't sometimes profitable in the lengthy-run for either males or girls. You get hold of Nutrisystem meals on the web as well as your order is likely to be totally customized to your preferred meals. Nutrisystem encourages customers to incorporate at the very least half-hour of exercise day by day. The food regimen plans include two further snacks you possibly can eat throughout the day between meals to assist when you really feel hungry between meals. In keeping with the official web site, Nutrisystem does work if you happen to adhere to the plan. Though it is suggested limiting your consumption of alcohol, your guide can work with you to suit some alcohol into your menu plan. Hello, I'm 3 weeks by means of my first month on Nutrisystem core mens and I'm doing nice. I feel that particular person is a troll because they sound like they're utilizing your comments as a sounding board trigger they didn't drop a few pounds on a weight-reduction plan that is so darn easy they usually feel dangerous. Yes, Nutrisystem provides vegetarian plans, however vegan options aren't accessible right now. I must lose about 24 pounds and I hear loads of individuals who seem to be able to lose that quantity on this weight loss program. I also lost 7lbs so far which has gotten me fired up and motivated to realize my 30lb objective in 3 months on this weight-reduction plan. I was having bother in my first month on Nutrisystem when I began last October. She's a senior (82) and will not prepare dinner a lot so eats what ever she will be able to seize from the fridge and it is a very unbalanced weight-reduction plan. I mixed the two kits and did the meal plan for 10 days (weekends on my own). While they're not gourmet, I've not found anything that I actually couldn't eat (The potato dishes are flaked, and that was concerning the worst grievance I had) The portability and convenience of the meals was the largest plus for me. I did get a pack of shakes to complement the diet as well, and those were not dangerous both. Ready food plan meals might help with portion management and so they may also help hold you in your weight reduction journey in case you are inclined to only grabbing the simplest factor in the cupboard or fridge because you really do not feel like cooking. More tips and meals reviews to return after Week 4 is complete since at that time I will have eaten the entire meals I selected for the 3 weeks after the Turbo Takeoff. As a part of the package, customers on the Core plan are in a position to get private recommendation from counselors and dietitians. Learn on for explanation why aligning your nutrition plan along with your exercise routine will show you how to get the physique you need. NutriSystem Nourish: This puts the diet in your palms, as it's a ebook the outlines a one-month program for preparing your individual meals whereas following the NutriSystem tips. Free Weight-reduction plan claims that Medifast is among the most successful eating regimen programs that has been used at Johns Hopkins Weight Management Center, and that Medifast has confirmed to work. When you get Nutrisystem from , typically occasions they've a sale and also you get $a hundred.00 worth Nutrisystem gift playing cards for $59.00. I used one in all these every month to supplement my Nutrisystem order. The Nutrisystem Weight-reduction plan - Nutrisystem has a tried and true eating plan that is effective at serving to individuals reduce weight over time. And Nutrisystem listens to its customers, phasing out some products based on feedback and introducing new ones and reformulating previous dishes. The SPRINT diet has ranked as the #1 General Diet by US News & World Report for five years in a row and is advisable by the USDA, the National Institutes of Well being (NIH), and the American Coronary heart Association (AHA). But you may have to be ready to stick with this for four months, in the event you plan to lose 20 pounds. I did the QVC deal and acquired the plan for less than what it might cost me to do sensible ones or lean delicacies. I began the weight-reduction plan three weeks in the past I lost eleven pounds the first 2 weeks and nothing this week. All Nutrisystem meals are created to depend your energy, carbs, and fat in a properly-balanced, nutritious mealalbeit some say not always the tastiest. The average cost per thirty days is predicated on the program plus minimal costs for additional required groceries. I add weight loss program soda to the vanilla for a distinct style and blend it with ice to make like a milk shake sort of drink. The opposite day, I received an email from someone who had been doing a little analysis on each the Nutrisystem and zone weight loss program packages. Possibly: It does not value a lot, but you aren't getting as a lot help as with Weight Watchers or eDiets. Mediterranean Diet - Consuming a Mediterranean eating regimen can have a wide variety of health benefits. However, the mice already on a high-fat food plan that had been fed aspartame ended up gaining weight compared to people who did not consume the sweetener. Nutrisystem offers a 14-day free trial whereby the shopper can cancel and receive a refund (much less delivery costs). Per week, in line with Free Weight-reduction plan and Greatest Eating regimen for Me. Medifast additionally provides plans for diabetics. If you happen to will not go to meetings, the perfect on-line-only deal is the three-month $sixty five plan (with computerized month-to-month renewal at $16.95 thereafter). Different behavioral supplies have been developed for the Nutrisystem for Teens program. That is one of the explanation why there are a lot of people who're into Nutrisystem. The plan I chose, which is the Core plan, solely consists of the shelf foods as an alternative of the frozen varieties. Nutrisystem not solely is right here to help in making our lives better however in addition they really care about our lives and what we are dealing with in everyday life. I would like things to be easy and simple to arrange and Nutrisystem is nice for people who like comfort. What Nutrisystem has made me realize about my prior consuming habits is that 1) my portions have been TOTALLY out of whack, and a pair of) I thought I was eating sufficient greens in my old life, but I probably wasn't. You're additionally inspired to lift weights and get together with different Nutrisystem clients in your area for sports activities activities. I didn't lose any weight on Nutrisystem even whereas pared with day by day train because my body went into starvation mode. In a Nutrisystem weight-loss plan, you must follow the packaged meals and healthy foods suggested in a plan, to shed extra pounds. The weight-reduction plan plan takes care of the vast majority of grocery buying, cooking and portioning by delivering meals and snacks which are calorie-controlled and pre-prepared. Nevertheless, regardless that NutriSystem could have a stronger benefit with regards to their NutriSystem Meals, consultants still agree that with a view to shed weight on a everlasting basis, proper weight loss plan or good diet should all the time be coupled with regular exercise. Ladies who are pregnant or nursing, those with well being circumstances, anyone taking prescription medicines or underneath 18 years of age should contact a healthcare professional before using any weight-loss program, together with Nutrisystem. At the end of the research, the scientists found that mice on a high fats weight loss program that also drank eating regimen soda gained weight.
I placed my order for NutriSystem products utilizing the A La Carte option on their web site, and selected the 1 week possibility for $79.ninety nine plus transport, for a grand total of $ninety.99. I'm a choosy eater, and wished more control over my meal choices. The experts discovered the Abs Eating regimen reasonably efficient for fast weight loss and center of the road in most different respects. And, as one of the people who have been successful (which was extra surprising to me than anyone else,) I can let you know that the method is not as exhausting as you would possibly suppose in case you perceive the design of the program and how it works. You don't have to be slowed down with finding a freezer to store a frozen meal whereas on this system. That is by sticking to this system and not consuming anything unless it is strongly recommended by Nutrisystem. While there are not any recognized health risks associated with this plan it's not useful for managing or stopping diabetes nor does it have any direct link to benefits for the guts. They have addressed this in recent times and prospects can expect round 2000mg/day sodium if on a Nutrisystem plan. The bottom value offering is NutriSystem Flex , which is a model new program that lets you be on the program for five of seven days through the week. Nutrisystem not runs walk-in facilities, but they do have an intensive on-line community and Nutrisystem counselors can be found by cellphone too. There's a 1st month low-price deal accessible for signing up for auto-supply, however after that first month, subsequent monthly deliveries revert to the common value relying on the plan. I completed 2 months on Nutrisystem final October after shedding 14lbs I was thrilled as you may think about. One of the vital widespread subject matters is the cost of some of men's packages, which I will go over under. For example, the Peanut Butter bars, the chili cheese nacho and parmesan cheese puffs, and the honey mustard pretzel sticks are by far the tastiest of the weight loss plan food, in my view. How Much Is The NutriSystem Food?: First off, there isn't any membership or joining payment. That is the diet's maintenance program that many people go for when they're trying to transition off the weight-reduction plan and preserve off the weight that they have lost while on the program. No less than with Nutrisystem, you get food that tastes great and makes you are feeling fullwhich aren't assured with every food plan plan you try. Weight loss plan to Go is another food plan delivery service that has been round for fairly some time (1991), but I truly was unaware of it till this yr. The Lean13 program will provide help to to lose as much as 13 kilos plus seven inches (general) in your first month. Diets in Assessment concludes that this program is revered and has helped many males drop a few pounds. Lastly, women who're pregnant or breastfeeding shouldn't comply with the Nutrisystem weight loss system, as they typically have increased calorie requirements than the food regimen provides. I was very profitable on Nutrisystem 25 years in the past, again if you had to go to the store weekly to weigh-in and get your food. You're doing just nice and as long as you persist with the plan and keep up a mean 2lb per week any further, you must see higher than 25lbs lost after one other 9 weeks you are giving your self. I plan on upping the amount of exercise this week to help with the weight loss and give the physique a bit kick-begin. The Flat Stomach weight loss plan landed in the course of the pack as a result of most of its scores from the consultants have been proper round common. Contact with a program representative and visitation to a neighborhood middle are encouraged.
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Dropshipping success stories From Zero to $1M in 8 Months | Awesome Dropshipping Success Stories
During my years of doing dropshipping I’ve met countless people who wanted to make money online and build a lifestyle business where they can travel the world and work from their laptop. Of all of those people, I can count only a handful who really made it a reality. These people are self starters who actively search for other sources of income or who have turned selling on eBay into their main revenue source. But what about becoming a millionaire from ecommerce or making $30,000 a month? I know it sounds far fetched but in this post I will introduce you to three exceptional individuals who are the embodiment of dropshipping success stories.
Top Dropshipper #1: Irwin Dominguez
From zero to $1M+ in less than 12 months
Meet Irwin Dominguez from San Diego who within 8 months made $1,000,000 in profit as a dropshipper.
What drove Irwin to e-commerce entrepreneurship as a dropshipper ?
Dominguez happen to have a very good friend who was bringing in large amounts of cash on a monthly basis as a dropshipper. Irwin had no clue how to start dropshipping but he figured he would give it a try since he felt he had more to gain than to lose. He started by doing three simple things:
He learned about e-commerce using Google
He opened a Shopify account
He started using Oberlo which is a platform which helps you import dropshipped products into your ecommerce store and ship them directly to your customer
What was Irwin doing before dropshipping and how did he make his first sale ?
Before becoming a dropshipping success story, Dominguez was a local marketing consultant helping small businesses increase online traffic. The skills he acquired through this job no doubt helped him succeed in his new online venture.
He made his first sale using Facebook ads which he says ate into most of his profit but was well worth the investment in order to jumpstart his business. He swears by advertising on Facebook and says he owes most of his success to this form of marketing though he stresses that business owners must learn over time how to balance the cost of Facebook ads with profit margins.
Let’s talk numbers – what is Dominguez’s revenue per day
On his best day of e-commerce, Irwin pulled in a cool $30,000 and on average pulls in $10,000 a day though he says he is trying to increase these numbers. He talks about finding a niche product but that at some point you have tapped most of your target market so you need to find new products in the same niche (learn how we found the perfect niche) or move on to a different niche entirely.
What recommendations can you give to aspiring dropshippers ?
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Pro tip # 1: Before dealing in large quantities, validate your product idea by making a few sales before jumping in head first.
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Pro tip # 2: Be prepared when the floodgates open! Once you find a product that is super popular, make sure you have a mechanism in place to deal with the demand.
Top Dropshipper # 2: Kate
$32,000+ monthly revenue from her dropshipping business
Kate is not making millions like some other dropshippers but I decided to write about her since I think her business story and strategy contain great actionable insights for dropshippers across the board.
Who is kate and what is her background ?
Kate works for Aliexpress’s e-commerce department creating and testing promotion strategy for dropshipping stores. But kate knew nothing about dropshiping just three years ago when she started working for Aliexpress – before that she worked as a journalist and as a saleswoman at an offline gift store.
From “Account Suspension” to “eBay awards”, we’re sharing everything from our journey to $100k in monthly sales.
We’re learning a lot and so will you.
And don’t worry, we hate spam too! You can unsubscribe at anytime.
What type of ecommerce store did Kate create ?
Kate decided to create a dropshipping store using anime (roughly: Japanese comics) theme based on research she did which told her that there was a lot of interest in this niche. Her logic says that many dropshippers can make money by pooling different items from a variety of dropshippers based on a common theme and thus create a dedicated shopping base.
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Pro tip: Kate stresses that her idea was perfectly legal as anime creators do not aim to profit from merchandise as opposed to Disney for example who absolutely does aim to profit from paraphernalia – make sure your themed drop shipping store is not legally infringing on anyone’s copyrights.
What is your strategy for finding successful products to dropship ?
Offer a large variety – Kate says that even when she got to 100 products in her store’s inventory it wasn’t enough to quench fan’s thirst.
New products – You constantly need to add new products, kate says. Don’t just look at ‘Best Sellers’ on Aliexpress or eBay, also look at the ‘new arrivals’ and you will often find your next top selling products.
Duplicate and modify – Constantly check which products are selling best and which are not. Try and get rid of the items which are unpopular and import more items similar to the successful ones in order to generate more sales.
How do you learn about your target audience?
Google Analytics – Kate uses google analytics to find out crucial information about her customer base such as age, gender and country. Since she now knows that most of her customers are young men from developing countries she tries to keep prices low in order to move more merchandise.
Targeted Facebook advertising campaigns – Kate says Facebook is also an integral platform both for advertising and data collection. Facebook and google complete and complement each other.
Tell us some more about how you promote your dropshipping store on the internet ?
Instagram – The store’s Instagram account currently has 1,851,910 impressions, 81,000, 8,272 posts and has an ever growing fan base.
Kate used a variety of simple methods to achieve these astounding results including:
Writing an appealing bio
Analyzing the most popular hashtags
Experimenting with different post formats
Using Instagram Ads
2. Facebook – On Facebook the store is also very popular with 34,000+ followers – the main tactic is providing high quality content and attracting buyers and visitors vis-a-vis Facebook ads.
Content Marketing –
This includes writing original content or rewriting original content which is related to the product and publishing this on the store blog and on Facebook. This is a great way to engage people and get them interested in your product in an indirect way.
Google Shopping –
This is a semi – automated option and generates 300 sales on average per month. When someone searches for something related to the product, in this case anime, a picture of some products and prices appear in the google search.
How successful is your dropshipping business ?
The numbers talk for themselves – as of October 2017 Kate’s dropshipping business had 922 orders and $32,000:
Note the conversion rate which is 1.31%, this is a standard conversion rate for eCommerce sales so there’s a lot of opportunity to improve here, as you’ve probably read already, we increased our eBay conversion rate by 220% by optimizing our eBay listings.
Top Dropshipper # 3: Aloysius Chay and Galvin Bay
$60,000 a day within a year of starting their dropshipping store
How did these guys get started in dropshipping and what were they doing before ?
Before becoming successful dropshipping entrepreneurs, these guys were professional poker players in the Vegas like city of Macau. Like so many others, they had heard of friends who were making big bucks and wanted in on the action.
What challenges did these guys face ?
Towards the beginning they really struggled to find the correct product and the correct market. They failed at the beginning, trying to sell 20-30 different items. “Creativity and perseverance are key to success”, they both say.
They started selling Jewellery in June 2016 but did not end up even breaking even but they did learn many things such as the need to target specific audiences by country.
Chay and Galvin don’t really have a niche – they sell products that seem to be in demand or try selling products that are new on the market (you may remember the post we wrote about what to sell on eBay, these guys are implementing some of the best practices)
How did they promote and develop their business ?
These guys swear by Facebook ads and say that this was hands down the best marketing tool at their disposal. They say that it is super user friendly and any information or skills they lacked were easily enough found in online tutorials.
The pair also recommends networking and sitting down with friends and family who are involved in e-commerce in order to exchange and improve ideas (you’re welcome to read some of our eBay selling advice and how to boost eBay sales to get ideas for your eBay business).
What do you love about running a successful dropshipping company ?
Chay and Galvin love the most obvious and envious things – the income and the freedom. Now that they are totally independent they have a large source of income and they get to decide when they work and when they don’t. For most people in the workforce this sounds nothing short of a magical dream.
What is your highest sales record and what advice do you have for new entrepreneurs ?
Their record is 5 figures in one day and they hope to make it to six figures.
As far as advice for new entrepreneurs – always add new products (learn more about finding the best things to sell on eBay)! This will keep your business fresh and customers coming back. They say that the risks of adding new products pay off in the long run.
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My pro tip: This is a valuable advice for any online seller, it’s very important to understand that as a business owner you must be on your toes all the time, ready to make bug changes in order to grow your business. I always say that a business who’s not growing is essentially slowly dying and finding new products is a lifeline to business growth.
“I have not failed. I’ve just found 10,000 ways that won’t work”, Thomas Edison once famously said. All in all there are many dropshipping success stories but also people who have failed. Failure lays the foundations for success and we can learn from both experiences. I hope this post gave you some insights into how to better start or run your dropshipping business – I would love to hear your stories and experiences with dropshipping below.
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Give yourself a holiday gift by making these 10 year-end tax moves
Don't let tax turkeys gobble up your money. Make these tax moves, a couple of which are related to recent tax reform, this November and for sure by the end of 2018.
South Park turkeys via Giphy
It's November! The start of the holiday season. Time to get into the festive spirit with some year-end tax moves.
"Whoa! Wait! What the what are you thinking?" you say. "I'm still adjusting to Standard Time and already have a huge to-do list to make sure my family has the perfect Thanksgiving. Then as soon as that's over, I've got to start with the plans for December's merriment."
I hear you.
But I also know you need to add taxes to the mix. Now. Before you get all involved in Turkey Day and Christmas or Hanukkah or Mawlid an Nabi or whatever holy day your faith follows these last two months of the year.
If you don't, all the other important non-tax stuff that demands your attention as the year winds down will suck up all your time and you'll miss out taking some tax-smart tax actions.
And several tax moves to make before 2018 ends are especially important because of changes under the Tax Cuts and Jobs Act (TCJA).
To help you get through your year-end tax revelries (we do revel in taxes, don't we?) quickly so you can turn your attention to those other celebrations, here are 10 tax things to consider and, where applicable, complete ASAP.
1. Fine tune your Form W-4. The TCJA changed tax rates and the income amounts taxed under them. If you haven't used the Internal Revenue Service's withholding calculator to do a paycheck checkup, then you're still relying on old tax law when it comes to the taxes taken out each pay period. That could mean you might encounter an unexpectedly large refund or tax bill. While the big refund isn't awful, it's still not ideal. You could have been using that money throughout the year. But a big tax bill is awful. So find out where you stand withholding wise and make and adjustments via a new W-4 ASAP.
2. Examine itemized expenses. With the new tax law's substantially larger standard deduction amounts, more folks will find that itemizing is no longer worth it. However, in some cases, it's still worth it to keep track of your tax-deductible expenses. That's the case, for example, for individuals who have unusually large medical costs. For 2018, the itemizing threshold for medical costs is still 7.5 percent of your adjusted gross income. It could be worth bunching as much as those health-related costs into this year to exceed the standard deduction and then claiming the standard amount is 2019, or vice versa.
3. Pay attention to passthrough issues. If you're a small business owner who's eligible for the TCJA's new Section 199A 20 percent deduction for passthrough entities. This is one of the most convoluted, confusing portions of the new tax law. Heck, the IRS is still deciphering its many permutations nearly a year after it was enacted. In addition to determining just how much the small business tax break can provide, you need to ensure your company qualifies and whether you need to make any changes to your compensation structure to maximize the tax break. So if you don't have a tax professional to guide you through this new tax break, hire one now.
4. Clean out your FSA. A medical flexible spending account (FSA) offers a great way to set aside pre-tax dollars you can spend on health care costs not covered by your insurance policy. But they have one big drawback. Many still require you to use up all of your FSA money by the end of the benefits year, which is Dec. 31 for most companies, or lose them. Some companies give FSA owners a grace period until March 15 to use the money. Others allow a rollover of at least some of the accounts' funds. But your best bet is to spend down your FSA completely to ensure that it's not wasted.
5. Pad your nest eggs. Add as much as you can to your retirement accounts by year's end. This is a perennial suggestion, as far too many taxpayers fail to make the most of their 401(k)s and other savings accounts. Yes, you do have until next April 15 to make IRA contributions, either traditional or Roth, for 2018. But the sooner you get your money into the account, the sooner it has the potential to start to grow tax-deferred. And if your traditional IRA is deductible, that will reduce your taxable income for the year.
When it comes to workplace retirement plans, Dec. 31 is the last day you can put money for the current tax year into your 401(k) or similar plan. So get to your benefits office now to bump up your contributions for the final pay periods of the year. This post on 2018 and 2019 inflation adjustments for retirement plans has specifics on how much you can put into your nest eggs this year (and next).
6. Harvest your investment tax losses. For a while, it seemed like stocks could only go up. Then came February. And March. And October, which was brutal, with stock funds falling an average of 7.9 percent and wiping out all year-to-date gains.
Dow Jones Industrial Average index from October 2016 to October 2018 Find more statistics at Statista
Few of us escaped these 2018 market dives unscathed. But not all is lost. It might be a good idea, as part of your overall portfolio analysis, to sell some of the assets that didn't rebound. You can use those losses to offset any gains you made on other sales this year.
While it's hard sometimes to admit you made a bad investment decision, there's a school of financial thought that you should realize your losses sooner rather than later. Investors who wait until the very end of the tax year are likely to pay more taxes than those who realize losses when they occur, says , says Mier Dr. Statman, the Glenn Klimek professor of finance at Santa Clara University's Leavey School of Business. If you wait until December, says Statman, the share prices might increase to what you paid for them, or more, and the opportunity for a tax deduction would disappear.
Capital losses also could be especially beneficial to higher income taxpayers facing the 3.8 percent Net Investment Income Tax (NIIT). This surtax, part of the Affordable Care Act, is still in the tax code. It applies to the unearned income of single (or head of household) filers with modified adjusted gross incomes (MAGIs) of more than $200,000 and married joint filers earning $250,000 (or $125,000 if married and filing separately). Harvesting losses can help these high earners reduce their NIIT amount.
And if in taking those losses you discover you have more of them than gains, you can claim up to $3,000 in bad investments against your ordinary income to help lower that taxable amount. Then get a new financial adviser!
7. Be charitable. During the traditional gift-giving season, many folks make giving to charities part of their holiday celebrations. In addition to making you feel good, such contributions are still deductible under the new tax law.
The most common ways of giving to an IRS-approved nonprofit is by writing a check or charging your donation to your credit card. You also can donate clothing or household items and deduct the value of your old property.
There also are other more creative ways to give. Donate appreciate stock that, in your portfolio evaluation, you decided no longer fit your overall investing plan.
If you're age 70½ and are facing a required minimum distribution (RMD) that could push you into a higher tax bracket, consider directly transferring that RMD amount (up to $100,000) to your charity of choice. It allows you to meet the withdrawal rule without having to pay tax on the amount. And while an RMD direct donation means no charitable tax deduction, avoiding a chunk of taxable income is a pretty darn good tax break.
8. Collect your cryptocurrency documents. You'll need this paper trail if you buy, sell or mine cryptocurrency for an accurate record of what you owe on this property. And yes, that's how the IRS views Bitcoin and its digital brethren. If you don't have complete and correct records of your transactions, you could be subject to added attention from the IRS and possibly face a bigger tax bill that you expected.
9. Bump your bonus into 2019. The new tax law lowered rates and expanded income brackets so most folks will see more of their earnings taxed at lower levels. But if you're near the top of a bracket and an expected end-of-year bonus could push you into higher tax territory, talk to your boss about postponing that reward until 2019. Sure, delaying receipt of that added money might cut into your holiday spending budget. But it could save you taxes and provide the cash early next year to pay the credit cards you used to buy gifts.
If you're self-employed, either as your full-time job or from side gigs, you have more control on cash flow. Don't send out job invoices until late December so that you won't get those payments until 2019.
10. Deal with your divorce. Ending a marriage is rarely pleasant. Things get even messier when taxes are involved in the nuptial's dissolution. A TCJA provision that kicks in next year adds some end-of-2018 urgency and yet another tax matter over which couples can fight.
If you will be paying alimony, you'll want to finalize the split before the end of 2018 so you'll be able to, under prior tax law, deduct those payments to your soon-to-be ex-spouse. The TCJA changed the rules here and if the divorce decree comes after Dec. 31, 2018, then that alimony won't be deductible.
If, however, you're the ex who will be getting spousal support payments, you'll want to delay the decree. The TCJA says that instead of owing tax on alimony as was the case before the new law was enacted, starting in 2019 alimony will be tax-free.
More November tax moves: And that wraps the 10 tax moves to make by Dec. 31.
Yeah, that's a lot to shoehorn into the end of the year. But if any or all of them apply to your financial and tax situations, check into them. They could make a valuable difference when you file your taxes next year, or before!
If, however, you're a tax glutton, you can find even more tax moves specifically for November over in the ol' blog's right column. They're under the bright red November Tax Moves heading, just below the countdown clock ticking off the time left here in tax year 2018.
Once all this tax stuff is done, you still have plenty of time to work on your holiday celebrations. And you'll be able to do without that nagging tax voice in your head.
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Text
Give yourself a holiday gift by making these 10 year-end tax moves
Don't let tax turkeys gobble up your money. Make these tax moves, a couple of which are related to recent tax reform, this November and for sure by the end of 2018.
South Park turkeys via Giphy
It's November! The start of the holiday season. Time to get into the festive spirit with some year-end tax moves.
"Whoa! Wait! What the what are you thinking?" you say. "I'm still adjusting to Standard Time and already have a huge to-do list to make sure my family has the perfect Thanksgiving. Then as soon as that's over, I've got to start with the plans for December's merriment."
I hear you.
But I also know you need to add taxes to the mix. Now. Before you get all involved in Turkey Day and Christmas or Hanukkah or Mawlid an Nabi or whatever holy day your faith follows these last two months of the year.
If you don't, all the other important non-tax stuff that demands your attention as the year winds down will suck up all your time and you'll miss out taking some tax-smart tax actions.
And several tax moves to make before 2018 ends are especially important because of changes under the Tax Cuts and Jobs Act (TCJA).
To help you get through your year-end tax revelries (we do revel in taxes, don't we?) quickly so you can turn your attention to those other celebrations, here are 10 tax things to consider and, where applicable, complete ASAP.
1. Fine tune your Form W-4. The TCJA changed tax rates and the income amounts taxed under them. If you haven't used the Internal Revenue Service's withholding calculator to do a paycheck checkup, then you're still relying on old tax law when it comes to the taxes taken out each pay period. That could mean you might encounter an unexpectedly large refund or tax bill. While the big refund isn't awful, it's still not ideal. You could have been using that money throughout the year. But a big tax bill is awful. So find out where you stand withholding wise and make and adjustments via a new W-4 ASAP.
2. Examine itemized expenses. With the new tax law's substantially larger standard deduction amounts, more folks will find that itemizing is no longer worth it. However, in some cases, it's still worth it to keep track of your tax-deductible expenses. That's the case, for example, for individuals who have unusually large medical costs. For 2018, the itemizing threshold for medical costs is still 7.5 percent of your adjusted gross income. It could be worth bunching as much as those health-related costs into this year to exceed the standard deduction and then claiming the standard amount is 2019, or vice versa.
3. Pay attention to passthrough issues. If you're a small business owner who's eligible for the TCJA's new Section 199A 20 percent deduction for passthrough entities. This is one of the most convoluted, confusing portions of the new tax law. Heck, the IRS is still deciphering its many permutations nearly a year after it was enacted. In addition to determining just how much the small business tax break can provide, you need to ensure your company qualifies and whether you need to make any changes to your compensation structure to maximize the tax break. So if you don't have a tax professional to guide you through this new tax break, hire one now.
4. Clean out your FSA. A medical flexible spending account (FSA) offers a great way to set aside pre-tax dollars you can spend on health care costs not covered by your insurance policy. But they have one big drawback. Many still require you to use up all of your FSA money by the end of the benefits year, which is Dec. 31 for most companies, or lose them. Some companies give FSA owners a grace period until March 15 to use the money. Others allow a rollover of at least some of the accounts' funds. But your best bet is to spend down your FSA completely to ensure that it's not wasted.
5. Pad your nest eggs. Add as much as you can to your retirement accounts by year's end. This is a perennial suggestion, as far too many taxpayers fail to make the most of their 401(k)s and other savings accounts. Yes, you do have until next April 15 to make IRA contributions, either traditional or Roth, for 2018. But the sooner you get your money into the account, the sooner it has the potential to start to grow tax-deferred. And if your traditional IRA is deductible, that will reduce your taxable income for the year.
When it comes to workplace retirement plans, Dec. 31 is the last day you can put money for the current tax year into your 401(k) or similar plan. So get to your benefits office now to bump up your contributions for the final pay periods of the year. This post on 2018 and 2019 inflation adjustments for retirement plans has specifics on how much you can put into your nest eggs this year (and next).
6. Harvest your investment tax losses. For a while, it seemed like stocks could only go up. Then came February. And March. And October, which was brutal, with stock funds falling an average of 7.9 percent and wiping out all year-to-date gains.
Dow Jones Industrial Average index from October 2016 to October 2018 Find more statistics at Statista
Few of us escaped these 2018 market dives unscathed. But not all is lost. It might be a good idea, as part of your overall portfolio analysis, to sell some of the assets that didn't rebound. You can use those losses to offset any gains you made on other sales this year.
While it's hard sometimes to admit you made a bad investment decision, there's a school of financial thought that you should realize your losses sooner rather than later. Investors who wait until the very end of the tax year are likely to pay more taxes than those who realize losses when they occur, says , says Mier Dr. Statman, the Glenn Klimek professor of finance at Santa Clara University's Leavey School of Business. If you wait until December, says Statman, the share prices might increase to what you paid for them, or more, and the opportunity for a tax deduction would disappear.
Capital losses also could be especially beneficial to higher income taxpayers facing the 3.8 percent Net Investment Income Tax (NIIT). This surtax, part of the Affordable Care Act, is still in the tax code. It applies to the unearned income of single (or head of household) filers with modified adjusted gross incomes (MAGIs) of more than $200,000 and married joint filers earning $250,000 (or $125,000 if married and filing separately). Harvesting losses can help these high earners reduce their NIIT amount.
And if in taking those losses you discover you have more of them than gains, you can claim up to $3,000 in bad investments against your ordinary income to help lower that taxable amount. Then get a new financial adviser!
7. Be charitable. During the traditional gift-giving season, many folks make giving to charities part of their holiday celebrations. In addition to making you feel good, such contributions are still deductible under the new tax law.
The most common ways of giving to an IRS-approved nonprofit is by writing a check or charging your donation to your credit card. You also can donate clothing or household items and deduct the value of your old property.
There also are other more creative ways to give. Donate appreciate stock that, in your portfolio evaluation, you decided no longer fit your overall investing plan.
If you're age 70½ and are facing a required minimum distribution (RMD) that could push you into a higher tax bracket, consider directly transferring that RMD amount (up to $100,000) to your charity of choice. It allows you to meet the withdrawal rule without having to pay tax on the amount. And while an RMD direct donation means no charitable tax deduction, avoiding a chunk of taxable income is a pretty darn good tax break.
8. Collect your cryptocurrency documents. You'll need this paper trail if you buy, sell or mine cryptocurrency for an accurate record of what you owe on this property. And yes, that's how the IRS views Bitcoin and its digital brethren. If you don't have complete and correct records of your transactions, you could be subject to added attention from the IRS and possibly face a bigger tax bill that you expected.
9. Bump your bonus into 2019. The new tax law lowered rates and expanded income brackets so most folks will see more of their earnings taxed at lower levels. But if you're near the top of a bracket and an expected end-of-year bonus could push you into higher tax territory, talk to your boss about postponing that reward until 2019. Sure, delaying receipt of that added money might cut into your holiday spending budget. But it could save you taxes and provide the cash early next year to pay the credit cards you used to buy gifts.
If you're self-employed, either as your full-time job or from side gigs, you have more control on cash flow. Don't send out job invoices until late December so that you won't get those payments until 2019.
10. Deal with your divorce. Ending a marriage is rarely pleasant. Things get even messier when taxes are involved in the nuptial's dissolution. A TCJA provision that kicks in next year adds some end-of-2018 urgency and yet another tax matter over which couples can fight.
If you will be paying alimony, you'll want to finalize the split before the end of 2018 so you'll be able to, under prior tax law, deduct those payments to your soon-to-be ex-spouse. The TCJA changed the rules here and if the divorce decree comes after Dec. 31, 2018, then that alimony won't be deductible.
If, however, you're the ex who will be getting spousal support payments, you'll want to delay the decree. The TCJA says that instead of owing tax on alimony as was the case before the new law was enacted, starting in 2019 alimony will be tax-free.
More November tax moves: And that wraps the 10 tax moves to make by Dec. 31.
Yeah, that's a lot to shoehorn into the end of the year. But if any or all of them apply to your financial and tax situations, check into them. They could make a valuable difference when you file your taxes next year, or before!
If, however, you're a tax glutton, you can find even more tax moves specifically for November over in the ol' blog's right column. They're under the bright red November Tax Moves heading, just below the countdown clock ticking off the time left here in tax year 2018.
Once all this tax stuff is done, you still have plenty of time to work on your holiday celebrations. And you'll be able to do without that nagging tax voice in your head.
Advertisements // <![CDATA[ // <![CDATA[ // &lt;![CDATA[ // &amp;lt;![CDATA[ // &amp;amp;lt;![CDATA[ // &amp;amp;amp;lt;![CDATA[ // &amp;amp;amp;amp;lt;![CDATA[ (adsbygoogle = window.adsbygoogle || []).push({}); // ]]&amp;amp;amp;amp;gt; // ]]&amp;amp;amp;gt; // ]]&amp;amp;gt; // ]]&amp;gt; // ]]&gt; // ]]> // ]]>
from Tax News By Christopher https://www.dontmesswithtaxes.com/2018/11/10-year-end-tax-moves-that-could-produce-a-holiday-tax-gifts.html
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Predictions For The Fall Market!
TorontoRealtyBlog
Without a doubt, the blogs that take me the longest to write are always the “year-end” or those that start a particular market.
The year-end ones are really tough.
I believe I’ve honed these posts over time, and finally found a theme I can replicate every year. My “Top 5 Stories” and “Top 5 Posts” enable me to cover all the ground that’s needed, since I can look at both the blogs that got attention and/or caused a stir, whether the subject matter was notorious or not, and I can look at the stories themselves which helped to shape the preceding twelve months in the world of Toronto real estate.
But narrowing it down to only five posts, for each category, is tough.
I typically spend 3-4 hours looking through posts, re-reading, trolling comments, and then categorizing anything that I think could be in either list.
“Anything” often represents about 60% of blog posts. And from there, I have to make decisions, cutting posts with the same balance of tough-love and business-savvy that a general manager demonstrates when he tells a sixth-string wide receiver that he’s not on the 53-man roster, and a job at Foot Locker is waiting.
When it comes to my Predictions post, I usually write down my ideas, based on my overall thoughts on the market, stories I think will have legs, and anything statistical in nature that I want to explore. Then I go back to the previous two years’ predictions post, and try to avoid repetition.
But what if I told you that essentially none of my ideas are new?
1) Average Home Price Will Rise
I can’t make it any simpler than that, although, this needs a LOT more explanation…
There is so much to talk about when it comes to average home price, and there are so many ways in which one can manipulate the numbers to show the market in a better or worse light.
For me, I just want to know what’s going on in the market.
And it starts, at the most basic level, with the average home price in the month of September.
I will provide the first lay-up prediction and tell you that the average home price in Toronto will increase 4-5% from August to September alone.
A lay-up. It truly is.
While that sounds insane, and while a 5% per month jump would represent a 60% annualized return and we know that’s probably not going to happen, we need to wrap our heads around the hot and cold periods of the real estate calendar.
August is slow. No question about it, no arguing, and despite the odd “bidding war in August” story you saw in a newspaper, it’s a very slow month. Buyers are waiting for the “busy fall market, and the sellers are waiting for the buyers. In fact, sellers are taking their houses off the market in August, to put some time in between listings.
And it’s because August is so slow that I feel the average home price, in that month, is actually depressed.
My 4-5% prediction was based on my gut, but having gone back and looked at how the average home price has performed from August to September over the past nine years, it adds evidence to my supposition:
That’s an average of 4.9%, with a low of 3% and a high of 6.4%.
Knock out top and bottom, and we’re looking at a 7-year band of 4.0% to 6.4%.
That’s very consistent!
Now the one problem remains: we don’t know what the 2018 August average home price is!
I’m writing this blog on Monday night, and the stats aren’t out yet. I guess TREB has their hands full, I can’t imagine, with what…
In any event, I would imagine that the August, 2018 average home price is slightly below the July price, which was $782,129. So assuming that the price is around $775,000, that means we’re looking at an average price of between $806,000 and $813,750.
Now, some of you might suggest that comparing the September price to August; the comparison of a mighty month to a poor one, is misleading, or at the very least, unfair.
I might be inclined to agree, in part, with one but not two of the above. At the very least, I would prefer another data set.
So how about this: since June is typically the “peak,” or at a minimum, the “end” of the spring market, let’s run the above numbers again comparing June to September.
Here’s how things look:
In five of nine years, the average home price decreased from June to September.
The average decrease is 0.7%.
So using that number, and applying it to the $807,971 average home price in June of 2018, we’d come up with an expected average for September of $802,315, which is just on the outside, looking in, of the $806,000 – $813,750 range we predicted above.
Either way, not a bad second opinion on the prediction.
So that’s what I expect in the month of September, and I might even go as far as to predict that the average home price will come in at the higher end of that range, or above. That is based on nothing more than gut feeling, but I sense so much built-up demand, and my phone started to ring today – the first day back in the Fall Market. I think it’s going to be a busy one.
–
2) Sales-to-New-Listings Ratio Will Rise
Another theme so far in the 2018 market has been “slim pickings.”
To be less aloof and more economical, the market has suffered from low inventory.
Now as is often the case, we can pull numbers to show the inventory has been sufficient, whether it’s comparing to last year (when inventory was tragically low, resulting in a 20% gain in four months), or whether we’re looking GTA-wide.
But if you’ll indulge me, let me suggest that 2018 thus far has not seen the flood of new listings that we saw in the fall of 2017, after the slow summer.
September of 2017 saw a decade-low ratio of sales-to-new-listings, and having said that, the average home price still increased 5.9% from August to September.
The ratio of sales-to-new-listings is not one that is used all that often, but I view it as a measure of how tight the market is. When the ratio is high, obviously prices are rising, properties are selling quickly and in multiple offers (in the core), and the market feels far more erratic.
Here’s how the ratio looks over the past ten years:
The fall of 2016 was a crazy market; not quite like the spring of 2017, but it was, on its own, nuts.
That 65.5% figure makes sense, although I have to say that I’m really, truly surprised by the decade-low being the fall of 2017. Ask any of my clients who bought, or sold, in multiple offers, and they’ll tell you that the market didn’t seem to have an abundance of listings, and/or did it feel like sales weren’t plentiful.
The 6,379 sales that we saw last September wasn’t a decade-low, but it was third-lowest, and barely higher than the second-lowest in 2010. While I don’t think we’ll return to the 9,902 sales we saw in 2016, I think we’ll be over 8,000.
–
3) I Have No Clue What Will Happen With Inventory!
Okay, that’s not a prediction.
I could have said, “inventory will go up, or down,” but that’s even worse.
And I’m being a bit tongue-in-cheek because the chart I’m about to show you can be used to argue either side of the coin.
I’ve compared the new listings in 2016 to that of 2017, and then 2017 to what we’ve got in 2018 so far, and the results are interesting.
It would seem that so far, we’ve got the exact opposite of what happened last year:
Note that in January and February of 2017, new listings were down substantially.
This is what caused the rapid acceleration in prices, and that lasted through March, and well into April. It wasn’t until mid-April that things felt a bit “off,” and while it wasn’t felt in the central core until May, the trend had been set.
Note that in 2018, the exact opposite has happened.
Now clearly this is, in part, because the 2017 numbers were so low in January/February, and then so high thereafter.
So if we were to follow the trend so far in 2018, we’d be led to believe that the fall inventory will be higher than last year.
But if we assume that more people listed in the fall of 2017 because the preceding drop in prices put fear into them, then those numbers are inflated, and thus inventory will be lower.
Personally, I’m expecting inventory to be on par with last year. That’s not a “neither here, nor there” argument, but simply I think we’ll see less for sale in the central core, more for sale outside the core, and it’ll even out.
I think we’ll see a lot for sale in the higher price point – over $2,000,000, and a lot less of what “most” buyers want: entry-level condos, and smaller semi-detached houses.
–
4) The Bank of Canada Will Not Raise Interest Rates
Oh how expected!
A real estate agent predicting that one of the scariest ideas out there among on-the-fence buyers is a falsehood?
Well, call it a hunch.
And this article was also well-timed:
Bank Of Canada Expected To Keep Rates On Hold; But Reasons For A Hike ‘Solid’
The article is a bit of an excuse-maker, essentially saying that rates weren’t raised, however, they would have, could have, should have been, if not for A, B, C, and 1, 2, 3.
But note that the article contains two predictions of its own!
1) The chance of a rate hike on Wednesday is less than 10%. 2) The chance of a rate hike next month is 80%.
I don’t know where they’re getting those numbers. Perhaps they’re just pulling them out of nowhere, kind of like I do, sometimes…
So in the spirit of betting against popular belief, I’ll go on record suggesting I don’t see a rate hike this fall. Call it the Trump effect, call it the fear of a trade war, or call it a gut feeling I have that the Bank of Canada loves this idea that they “could” raise rates, but won’t; either which way, I don’t think it’s happening.
Just as a refresher, here’s where the overnight rate has been during the last 18 months:
5) “Housing” Will Be A Major Theme In Politics
We have a municipal election coming up on October 22nd, and whether we vote for 25 city councilors, or 47 (topic anybody wants to explore??), most of the interest from the general public will be directed at the mayoral election.
I don’t like either candidate, to be honest.
I know we’re not supposed to talk politics in an open forum, but what the heck. John Tory, who ran on the idea of being a “business man to run the city, like a business,” has proved to be a wet noodle that caves to every single politician, constituent, or dog with a cough, at every single opportunity. Jennifer Keesmat is a left-winger, and I tend to take my shots at the net from the right faceoff-circle.
At least Jennifer Keesmat put forth a transit plan that makes sense for the city long-term. $50 Billion is a start. Frankly, I’m waiting for the 50-year, $100 Billion plan that nobody will lay out, since politicians are only in office for four years, and voters don’t care about fifty years.
So alas, we’ll all just stand idly by and watch Toronto continue to cannibalize itself.
That wasn’t my point, but you know me and tangents…
Aside from transit, I have to think that housing is the biggest issue in the city of Toronto. And while the lack of transit trumps the lack of housing, since, as I’ve argued many times before, transit would allow people to live further out of the city, and thus the “problem” wouldn’t be as big, I do have to think that the price of housing is an issue on which more voters will be focused.
As we saw in the Provincial election, it was a race to see “who could promise more stuff.”
I argued that the NDP and Liberal parties were racing to see who could promise more free stuff, but as a blog reader pointed out, the PC’s were running on who could make more cuts, and thus it’s a round-about to the same argument.
As politics goes, we will likely see the same theme play out this year.
I believe that both Jennifer Keesmat and John Tory will spend large portions of their campaigns talking about housing, and while Keesmat will likely make bigger promises, with tangible details, and even put a price on it (whether those plans come to fruition or not, as is often the case), John Tory will, at the very least, make his own watered-down, non-committal, vague promises to “do something” about the cost of housing.
Whether it’s TCHC having a larger role, or building more social/affordable/subsidized housing, or whether it’s talk of helping the “middle-class,” which is always sexy in an election, I have to think that we’ll hear talk of housing over, and over, and over.
What we won’t hear is either candidate talk about “wants versus needs,” and maybe tell little Jimmy that he doesn’t “need” to rent for $2,450 per month at Bay & Bloor, but rather he simply wants to, and should stop complaining about the cost of housing.
Will real estate related taxes come up? More land transfer tax? Higher property tax? Probably not. If anything, raising the land transfer tax on the highest price bracket would be a likely outcome.
No matter what they do, they’ll never be able to trump the single-greatest tax of all time:
The $75 fee the city instituted to pay land transfer tax. Yes, there’s a FEE to pay a tax.
I also think housing will be a major part of the 2019 Federal election as well.
But don’t get me started on that election…
–
So that’s it, folks.
My five predictions, and I saved one more for another day.
The other prediction, or idea, is simply that the notion of “a home as a fundamental right in society today” will gain major, major momentum this fall, and into 2019. In fact, I think it’ll go hand-in-hand with prediction #5, and we’ll see a lot talk about it (mainly from Mr. Trudeau) leading up to the next election.
I’ll come back to this topic next week, as I read more than a few articles about this while I was on vacation, and made a note to bring this up for discussion.
So to the sellers out there: good luck.
And to the buyers out there: well, also, good luck.
The fall market flies by before you know it, so if you’re a buyer, may I suggest that you be diligent. And if you’re a seller, and you ‘need’ to sell, the list, re-list, re-list again strategy never works.
Happy pavement-pounding, everybody!
The post Predictions For The Fall Market! appeared first on Toronto Realty Blog.
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"Why are women getting angry over this new car insurance ruling?
Women want to be treated the same as men...same pay, same rights etc but now that the EU has ruled that gender should not e a factor in determining car insurance prices they are not happy about it? I'm confused
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I had State Farm but they terminated my insurace because of to many tickets, i herd Progressive was cheap, what do you think? I am 19 by the way""
Insurance policy?...?
My mum n dad are insured on a car and are going away next week for 2 weeks and said I can get insured on their car. But their insurance will not insure anyone under 25. I don't think you can have 2 insurance policies on one vehicle but not sure, so can you? How can I get round this? If I got a temp insurance the police would only give me a warning, yeah? Personal Information: 19 year old male with a 2 year driving license and 1 year NCB Pass Plus obtained""
How much is motorcycle insurance on average?
I'm looking at a 2013 Victory Boardwalk. My parents are going to make me pay the insurance for it but I don't know how much it's going to be. It's Progressive Insurance by the way.
How much is car insurance for a 16 yr old girl in FL?
i want a car, something sporty but it can also be 4 dr too. =]""
How can you get around motorcycle insurance?
I am trying to get a 2007 Kawasaki ZX-6R. I got denied for the kawasaki card, but they said I could probably get approved threw a bank or another lender. But that way I would need to get insurance, is there anyway of getting a loan without having to put insurance on the bike. I live in the state of florida if that helps.""
Why are women getting angry over this new car insurance ruling?
Women want to be treated the same as men...same pay, same rights etc but now that the EU has ruled that gender should not e a factor in determining car insurance prices they are not happy about it? I'm confused
Good 2 go auto insurance?
Who has this insurance? Whats ur take on it and whats the cheapest price do they offer?
Courtesy Car Insurance?
Hi, everyone. I currently in Adelaide, SA. My car got some problems and need to return to the dealer to repair for a few days. They will provide a courtesy car/loan car for me to use for free. But they tell me if any accident is made, I will pay the insurance excess which amounts to $2000. So I want to buy an insurance to cover this excess. I have asked a lot of insurance companies and they do not have insurance like this. The one I know the insurance companies they provide is that if I rent a car from the car rental companies like budget and hertz but not from the car dealer. Anyone have any idea that any insurance company provide the insurance to cover the dealer courtesy car insurance excess? Thanks a lot, guys.""
How much would Insurance for a bike?
I want to get a 2005 YZR-R6 by yamaha. I dont have my motorcycle licence and im 17 years old. I will get my first written (m1) licence soon. the bike is cheap but im woried about insurance. For motorcycle insurance do you pay it for all 12 months? I will only be riding it in the summer time anyways so do companies allow you to only pay for 3-4 months?
How can i find the lowest car insurance rate for my car?
How can i find the lowest car rate for my car All the insurance companies advertise they have the lowest
""What the best private insurance in colorado, for a pregnet women?""
What the best private insurance in colorado, for a pregnet women?""
How much roughly would moped insurance cost for a 16 year old?
How much roughly would moped insurance cost for a 16 year old?
What is the cost of average home owners insurance?
I bought a new home, (foreclosure from the bank). I bought it quickly, and didnt have time to shop around for home owners insurance so I went with the first company who I called. I just wanted to see if this average, or too high, because if it is, I can start shopping around now. I bought a 227K foreclosure. The appraised value is 280K. I put 75K down on the house. my mortgage insurance per year is 1030 dollars. 6 bedroom/4 bathroom 3 acre home, 2400 sq feet. Is this high/average? Should I bother shopping around?""
CAR Insurance in US?
I met an minor accident last days and some ho cop thought fault is mine. The estimate of other car is $ 687 and I have yet to receie one. If i ask my insurance to pay this (I hae full coverage) will my pemium increase next time even if I changes the insurance company. As it was reported by police, does it definately reflect on my CAR history - CAR FAX Report?""
State Farm Insurance Rate Question?
My dad added a new plan to his inurnace coverage that teh insurance rep told him would only cost him $3 a month. Next thing we know, our premium goes up by about $100. Is there a way to tell if the lady lied about the $3 a month thing and that it really was more like $15-$20 a month? I asked another rep and she said that there was a rate increase.It very well may be a rate increase, but these people just seem so incredibly shady that I'm not putting it past them one second to lie. Perhaps I can ask a different state farm why there was an increase in our bill? Basically, how can I find out for SURE what that $100 increase was for? Without asking the reps we usually go through? Perhaps call the main State Farm branch? Thanks!""
What is the cheapest car insurance?
I passed my driving licence in August 2012 and i want a small cheap car?
Where can i find cheap full coverage auto insurance?
Where can i find cheap full coverage auto insurance?
I might be getting a car and I need to know the insurance?
Ok, so I'll be 17, it'll be my first car, it costs 300 that's it :) all that needs doing is some rust work on the door. It's a 1987 D reg Saab 900 :D any ideas on how much my insurance will cost? I dont know the full license plate so I can't do it properly myself :/ but even just a rough estimate would be a great help :) thanks :)""
What car insurance company has a commercial with a man riding a bike?
It's a car insurance commercial with a guy riding a little bike on the highway in his suit. it says car insurance slowing you down? or something. i want to find the commercial online or at least what insurance company it is. Help!
Health Insurance Options?
If I move out of my parents house can I remain on their health insurance (In Massachusetts)? I am currently on my parents health insurance and I plan to move out but I work part time and the health insurance my work offers is around 500 dollars a month.. which I simply cannot afford. If I can not remain on their health insurance does anyone know of any other alternatives?
What will it cost to go to planned parenthood with no insurance?
Do they even except people without insurance? I was layed off my job and have no insurance.
Am I paying too much for auto insurance?
Right now, I am using Amica, I am paying $265.30 a month for a 2010 toyotal carolla, I am a brand new driver (like as of yesterday) so I know these factors pay into my insurance rates. This is full coverage. This was the lowest I could find... Geico was at 712 per month! and an agent said the lowest was 344 that she found... I guess I am lucky that I found Amica at the rate I have but I just want to make sure...""
My car insurance got cancel?
I have to pay 2,700 to get my car insurance back is their any car insurance companies that can let me have car insurance now? And I still can pay off the 2.700?""
How much will my insurance go up with one point on my license?
I live in California and I have Farmers insurance, got a ticket for a speeding back in December and I didn't take traffic school so there's now a point on my ticket. Anyone know if Farmers cares about one point on the license and if so how I will be affected?""
I need affordable health insurance I do not fit into any categories such as low income Help!?
I need affordable health insurance I do not fit into any categories such as low income Help!?
Which is cheapest car insurance in new york?
i want to buy a car but i know the insurance of the car is very expensive. I will like to know if there is a car insurance that i can afford.
Car insurance for 16 year old?
rough estimate? i want an 84 GTI rabbit but dont want insurance for it to be 600 bucks, im not 16 yet so i cant get a quote so if anyone can give me a rough estimate that would be great""
Best car (insurance wise) for new drivers?
Of the following cars (all old models), which would be cheapest for a new female driver. I haven't started to learn yet but I should be thinking about it in about a year and I should probably get a head start saving. Assuming I'd follow all tips to keep insurance down which would be best? Ford Ka Ford Fiesta Peugeot 206 Peugeot 107 Smart Fortwo Fiat Punto Or do you have better suggestions? Before you tell me, I am WELL AWARE that it will be very expensive.""
Drive parents car without insurance?
hi, so i just got my license and can not afford insurance or a car. But my parents have insurance on both of their cars. Am i aloud to drive their cars on occasion, with their approval?""
How can the health care be made affordable to every citizen of United States?
Health care has become very expensive due to needless tests and lawyers and frivolous lawsuits.
How much is motorcycle insurance for a 150cc moped?
I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no ...show more
Why are women getting angry over this new car insurance ruling?
Women want to be treated the same as men...same pay, same rights etc but now that the EU has ruled that gender should not e a factor in determining car insurance prices they are not happy about it? I'm confused
https://www.linkedin.com/pulse/hazard-insurance-closing-house-tomorrow-jason-tucker/"
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Scotland Neck North Carolina Cheap car insurance quotes zip 27874
"Scotland Neck North Carolina Cheap car insurance quotes zip 27874
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
BEST ANSWER: Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr
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I have a 1982 honda mb5 street bike. Its 50cc and has a 5 speed gearbox. I live in indiana and i want to get my motorcycles endorsment but it requires that i have insurance for the bike. How much would that be?
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Will my car insurance price increase with my mother as an additional driver?
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Scotland Neck North Carolina Cheap car insurance quotes zip 27874
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
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Does car insurance get significantly cheaper when you turn 21?
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Who has the cheapest full coverage insurance in ca?
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My parents are the primary insurance holders of the car insurance. It is full coverage and the 1st wreck since having this insurance which has been 5 years for this car. I am on the insurance but not a primary driver. I was involved in a car wreck on my car but my friend was driving and I was in the passenger seat. Since it is full coverage what happens? Do they have to have proof that I said he could drive? Or do they just go about and get it fixed and not say anything since the car is under full insurance? I have I clue when it comes to car insurance so of someone could explain everything the best they can it would be greatly appreciated
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
Would i need goods carrying vehicle insurance?
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I'm 18, and im going to buy a car. It's a 2002/2003 car, so not too recent. Im looking for quotes online and the cheapest im getting is about 4500. This is me being the policy holder and not any other family members. Does this sound right? Personally i think it's outrageous... Thanks.""
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So due to curtain circumstances, I need to get my own auto insurance, the catch is that I only have a permit. what I wanted to know is if a major insurance company, like triple a, would cover me, if so would it cost more than a newly licensed person, and if not does anyone know a minor insurance company that would.""
What is the average Car insurance cost a year in Canada?
What is the average Car insurance cost a year in Canada?
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Is there california medi-cal type state insurance in the state of Oregan?
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Do you need insurance for a 50cc scooter in florida?
Do you need insurance for a 50cc scooter in florida?
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I'm not quite sure how to say this w/o getting too deep into it,but there seems to be a Communication problem between Mount Sinai Hospital in Miami Beach and my Insurance company united american. They(the hospital) tell me they never get paid by my insurance Company and i have been back and forth between the two of them. Once Mount Sinai's business office sent me a correspondence saying my insurance company told them that i should pay the bill. I think the hospital is lying...anyone have any problems with this hospital when it comes to business etiquette and what came of it..what did you do about it. They don't have their heads screwed on right""
Question about car insurance?
I'm 17, have a twin brother and we currently both have provisional licences. When we pass our test we will be sharing a car. I will (probably) pass first by a couple of weeks. How do I get insurance which is cheap for us both but means that I can drive straight away? Do I buy insurance for just me and then add him on it after he passes his test or buy it with me and him provisional and then 'upgrade' him later? Not sure what to do. Also we're considering buying provisional insurance for a month or so, could we buy provisional and then upgrade me if/when i pass then upgrade him when he passes. Hope this makes sense thanks in advance""
Can I still be insured with my mother?
So, my crappy old car just broke down. In the last few months I have managed to save up some money and I have decided to purchase a used car. The car cost about 6000 dollars and I have gotten a 3000 dollar loan in my name to pay the rest of the cost. So I'm trying to get all the paper work done because everything is in my name. My mom already purchased a car so she couldn't' even help my out to get a loan. Before I could even get the car, the bank needs a binding from an insurance company. When I had my old car my mom had me under her insurance because the car was under her name. So I want to know if after I get my insurance on my new car if I will be able to switch it over with my mom. Or will I be able to transfer the old car insurance into the new one. Right now I am planning to get the same insurance she has. Will I always have to have the insurance under my name is it is my car? This is in Massachusetts""
Why did my car insurance go down?
My car insurance premium went down by $10/ mo. I have no idea why. My credit score just went from 631 to 747 in just a couple of months because I fixed some errors, and I am also turning 24. Could either of these be the reason that my premium went down? Or is my car just worth less b/c all the new models are comming out? I drive a 2002 Honda Civic.""
Is insurance on bikes cheaper than cars at 17?
I am thinking of getting a bike when I'm 17 but I was wondering which one is cheaper? If I chose a bike it will probably be a 125cc but if I chose a car it will be like a ford fiesta type. Which one is cheaper to run and maintain?
About how much would this increase your car insurance yearly in NJ?
In this case, it does not matter what type of car insurance you have or how much you make. Let's say you're a middle class family with 2 parents and one 17 year old son who drives on a provisional license. He just gained 8 points on his license. About how much will this increase your car insurance per year? And what are ways to lower it (if any)? Please answer thoroughly, and even add tips. Answers will definitely be appreciated.""
How will a $135 speeding ticket show up on my car insurance?
Will the insurance notice show how fast I was going/how much I had to pay for the ticket?
Cost of motercycle insurance?
when I search for this all I get is spam about how much you could save on your insurance. if it's not that then it: motorcycle gear, shows, accessories, video, ect. So I was just wondering is insurance cheaper for motorcycle than cars? Thinking about the differences; the cost of replacing the bike is less, the damage it could do it less, the injury to others is less, the injury to yourself is greater, it seems like it should be cheaper. espically considering that your health insurance will cover most of your injury costs this kind of insurance seems lower risk. But I wanna know from other bikers, is it cheaper?""
Can you have more than one car insurance providers?
I have a car buy my insurance will be threw the roof so I got my mum to be the legal owner f my car etc and I'm an additional driver and me and my mum will be insured for that car but she has her own insurance for her own car can we do it that way and she can have 2 insurance providers and I'm just insured for one of the cars with my own insurance
My car insurance renewal is due next week can anyone suggest cheap?
I'ave got 3 years no claim bounus my old insurare is asking 392
Name some good life insurance companies?
Burial insurance I need for future.
How Much is insurance on a fox body mustang?
I really want a fox body mustang and i want to see how much it would cost. It will be my first car and i really want to know before i go car shopping.
Why does my car insurance cost too much?
I am 19 and just passed my test (UK). I have a 1.0 liter Micra and I have put my details in confused.com comparison website. The quotes I am getting are around 4000. Is this right ? it seems too much. Any ideas?
How can i get insurance from the gov.?
Ok my dad is 37 and has no insurance and we can't afford any either so how can he get insurance from the gov. we kinda need it now cause he thinks he has cancer so please help
Cheapest auto insurance in CA?
Cheapest auto insurance in CA?
17 year old car insurance?
Ive got a car and should (hopefully!) be passing my test soon but for reasons to complicated to list here lol I will only be able to drive it 2 weeks in easter time, 2 weeks in christmas time, 5 weeks around august and 4 days every 5 weeks, so by my bad maths thats just over 100 days. Are there any insurance companies for a 17 year old that you can get a fixed amount of days insurance, it seems such a waste to pay for 365 days if im only going to be able to use it for just under a third of the time. I read about some companies doing 60 or 90 days for young drivers but that might have been me mis-reading it, anyone hear about anything like that? Ive tried lowering the amount of miles on quotes but that hasnt reduced the price by much at all. I was hoping for quite a substantial saving. Any help would be greatly appreciated, Thanks.""
Will insurance be higher on a truck than a car?
my guess is yes, i even googled this and i couldn't find an answer, but right now i have a 92' Benz with 150, 000 miles on and im paying about $110 dollars because im still a student, but im getting a 99' Ford F-250 Heavy Duty Diesel Turbo, because im 6'2 and tired of a car, money isn't an issue i just want to know how much it will cost, im not getting a new one because i don't want payments right now""
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
What is the least expensive color of car to insure?
I know red is the most expensive. I've heard that white is the least from one person and green is the least from another.
Hit and run + Insurance: Help?
Okay..long story short: I told the insurance company I had B average but I have a C average in Aug. 2009.. They called mid Sept but didnt get in touch and neither left a message on my voicemail. Oct. 9 - I was at a parking lot at night and hit a car; no one was there and the damage was minimal (minor bumper scratch) Oct. 14 (today; after thanksgiving long weekend since I live in Canada its earlier) I have a missed call from my insurance; again no message on my voicemail Now, should I be worried because if they were calling about the hit and run...they would have left a message...also its a home phone line..since I live at home any input would be greatly and thankfully appreciated...""
No insurance and expired tags in kentucky?
I got a ticket for no insurance and expired tags in Louisville Ky, I've never neen in any trouble before with anything not even a parking ticket I just could'nt afford the insurance and tags. Whatare the chances of serving jail time for this? I know inKy, it can pack a 90 day sentence please answer I'm kinda freaking out.""
Do i have to make a down payment on my car insurance?
i am buying my first car at the age of 18. i want to go on my moms insurance policy with the car in her name. i will pay for it myself though. from what i know, this should be cheaper if the car is known to be hers with me as a driver. when i add this car to her policy, will i have to make a down payment?""
State Farm or Allstate Car Insurance: Which one is Better?
I'm trying to choose between the two...which one is better?
What is a cheap car insurance for a 19 year old?
What is a cheap car insurance for a 19 year old?
Need help with Car Insurance?
I am a 18 year old male in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance.""
Auto insurance claim?
I was backing my car up and hit a light pole. If I file a insurance claim is this considered Collision or Comprehensive?
Can a 16yr old register a car in his name in TEXAS and can he still be on parent's insurance?
Does anyone know for sure if it is legal in TEXAS for a minor to purchase a vehicle in his name? The car lot said it was okay but my insurance company says that it must be in my name for him to be on my policy. Is that true?
How much roughly would it cost me to put my spanish friend on my insurance for 3 days?
How much roughly would it cost me to put my spanish friend on my insurance for 3 days?
Where are gender therapist in Michigan that's affordable or that take medicaid?
trying to seek help but my funds are kind of low and I have medicaid insurance and I live in Clinton, Michigan can anyone help I really need help please""
What is the best life insurance company in the the USA?
what is the best life insurance company in the USA?
Can I get private insurance with a van?
Hello Yahoo, I was interested in buying a bedford rascal for my first car however I've been doing some research and talked to a few people and they tell me if I buy a van then I'll probably have to buy commercial insurance with it- is this really true? Can I not have it strictly for private use? And finally, If I really do need to buy commercial insurance with it, will it cost a lot more than private insurance, and whats the pros and cons of commercial insurance over private insurance? VAN OWNERS! HELP!""
Car insurance for 16 years old in california?
I am turning 16 soon and getting my license and a car. I just want to know how much insurance is for me per month for triple A without any tickets or accidents. My dad already has insurance is there a family plan?
How much will my dad's car insurance rate go up when he adds my name?
how much will my dad's car insurance rate go up when he adds my name? he has great credit and he has only gotten like 3 tickets in his entire life. my driver's ed teacher told me that my dad's rate won't be so high cuz i get A's in school. + i got a 96 on my permit test with an A for the class aswell. so is that true? how will the insurance company know my grades tho?
Where can I find public actuary data for car insurance?
where can I find public actuary data for car insurance. i need that to develop models
How much would car insurance cost??????
16 yearold female in north carolina....how much would car insurance be for a pontiac solstice and a jeep grand cheerokee both paid off. give me amounts not wesites'
Help Car Insurance help?
Im 16 and im gettin a 2003 cadillac CTS when i get my licences and i have a few questions. The car is $10,932 how much would the down payment be also how much monthly plus insurance?""
Can I get cheaper car insurance if my mums with the NHS?
I'm turning 17 soon, and I know someone who's mum work with the NHS and they're getting 10 a month insurance on a new mini 1.6L. I just don't know where to look for the insurance, however I am looking at cheap, used corsas (obviously the cheapest with the cheapest insurance). Anyone help?""
Insurance company lawsuit?
If i were to sue a persons insurance company, without taking any money out of their pockets, can their insurance company sue me or them to get their money back?""
Is Progressive a good insurance company?
My mom seems to think it's not based on what she heard almost 10 years ago. We currently have Allstate which is costing us $265/mo whereas Progressive could cost us $171/mo. IDK why she won't even try it
Do you think i could get a used car and insurance with under $3k?
i really need a car to get around, i have full time job, n part-time student. It's getting to my nerves that whenever i need to go somewhere, i have to ask my brother or sister to take me. Yes i am a student 18 yo, i don't have much money, and my parents refuse to buy me a car, reason because my mom said insurance is too expensive, and she doesn't give a shitt about me. Do you think i could get it anywhere? i was thinking about buying the car 1st then insurance later on because i can't afford it. idk what should i do?""
Do insurance agents get group health insurance?
I am thinking about becoming an insurance agent for one of the large insurers. I was wondering if insurance companies generally offer group insurance for their agents or if they consider them independents and don't offer the coverage. What other benefits do most large insurance companies offer?
I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p
Can my car insurance start the following month?
My car insurance renewal is up this friday, however i am off on holiday for a month, so will not be driving my car. Can my insurance start in February instead?""
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
Scotland Neck North Carolina Cheap car insurance quotes zip 27874
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Hickory North Carolina Cheap car insurance quotes zip 28602
"Hickory North Carolina Cheap car insurance quotes zip 28602
Hickory North Carolina Cheap car insurance quotes zip 28602
BEST ANSWER: Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr
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I have bcbs of tx. My mom got it for me when I was there. I am now living in California but still have the insurance from bcbs tx. So can I still use the insurance that I have right now at the doctors office. Or I cant? If i cant, then what do I have to do in order to use my insurance..? Another thing, I am 17 years old so do I have to be with my mom if I make an appointment, or can I go by myself, Or do I need an adult to go with me. (I'm living with my uncle right now.)""
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Hi, my car insurance covers for liability only and now I have an accident with a big truck. The big truck hit my car from the side. We were driving from 2 lanes next to each other and at one point the two lanes combine into one. While I was alittle pass over the truck, it hit me from the side. Their side has no damage since it is a big truck and our side has damaged from the driver side. The police report didn't explain clearly about whose fault it is except it mentions what the two drivers said. I think it is not my fault and the other driver denied it is his fault either. My insurance company didn't help much because we only have liability. Now, the other party insurance company called me and said they can't pay for the damanges since it is both parties fault. Therefore, pay for damanges on our own. Like I said, the other party didn't have any damages. If we have to fix it by ourselves, it will cost over $1500. :-( How should I fight with the insurance company to get my claims?""
Does the monthly payment on a lease vehicle include taxes and car insurance?
I am looking to lease a car but I am on a budget. Ive been looking online at some people that want to sell or transfer their lease because I would only want it short term. Since lease cars are usually new insurance would be too much for me to pay, so I was wondering if a monthly lease payment includes it, and taxes.""
""Looking for a fast, reliable, good quality and low insurance group hatchback.?""
I'm 24 and at the moment have a fairly low Saxo VTR with a couple of other performance mods, it handles like a dream on nice roads and has good acceleration. It's starting to fall apart with things going wrong left, right and centre, due to French engineering I presume? I have a DR10 on my licence from 4-5 years ago, so my insurance is a bit pricey. I just paid for a year so I can swap it straight over. I'm looking for something as fun to drive as standard and NOT French. Thanks Oh and please spare me the lectures, speed is for safe overtaking and I'm not driving too fast, you're driving too slow!""
Is there good deals at Insurance Auction Auto Sales?
Im interested in going to insurance auto sale for wrecked and salvage vehicles. My question is are the prices low enough to fix the cars to profit money on! What are the popular cars to buy, fix and resale...I was thinking like civics and mustangs because u see them everywhere you go. Im just wanting to try and new route to make some money, I have experience in body work, welding and painting and can usually find good deals on parts...really i just wanna know how cheap the cars sell for....Note I just bought a Lexus rx 300 from a person who bought it from a insurance auction I paid 1900 for it! Anything Helps, Thanks""
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I failed to yield , I'm supposed to appear in court, what will happen? I'm under 18 and live with my parents and the damage wasn't a lot , just a scratch on the car I hit, will my dads insurance cover me? I don't use it a lot? What will happen? I also live in Illinois""
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Hickory North Carolina Cheap car insurance quotes zip 28602
Hickory North Carolina Cheap car insurance quotes zip 28602
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Which private dental insurance is the best and how much does it cost a month?
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How much does American spend on average on car monthy payments, insurance, gas, and maintenance each year?""
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I am arriving on a working visa to California. I will need to buy a car and get insurance. I have a UK drivering license. Can I get insurance with a UK license or will I have to get a CA license first?
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If I get a Mustang 2011 (300 Hp V6) next year, my aunt who is a senior citizen and she has a clean record report, will be the owner of the car. I'm 18 though, how much is the cost for insurance in a year going to be?? Just estimation is fine.""
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How can people save money and still get the best dental care in Baton Rouge. What insurance is best for a family of 5? ABC news did a segment on #realmoney and I am wondering more ...show more
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I got my license when I was 19. I've been driving for two and a half years and barely found out I am not on my parents insurance. I was planning on buying a brand new car but I am now worried about insruance rates. I know they'll be high, but how high. I know insurance rates are based on age and experience. Is it likely I will be charged more because I have never been insured? Last time I checked for insurance I got calls for about 5 weeks straight. This time I don't want to give out any personal information. My question basically is will never previously having insurance before affect my rates?""
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I just got my license 2 days ago, I don't own a car so I was wondering if I can drive my moms friends car? He has insurance, but do I need insurance to drive that car? I don't have any insurance what so ever. But even though, is it still ok to drive someone elses car?""
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Anybody self employed got medical insurance successfully in usa?
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If I apply for health insurance with a preexisting condition and they give me a 12-month waiting period before covering the condition - does that 12 months start over if I am treated within the waiting period and I pay for the treatment on my own? Or does the 12-month waiting period begin from the date I purchased the insurance, regardless of what takes place during the waiting period?""
Need help with my car insurance?
I will be driving for a year this august and i'm currently paying 105 a month for my current insurance. All the quotes im receiving at the moment are alot higher then i'm already paying but i'm sure it will go down once i've been driving exactly 1 year. Will i get a 1 year No claims discount automatically on the date i finish my current insurer? then just set my new insurance to start the day after?
For those 16-18 with a car in your name?
since ill be getting a car soon my parents wants to know how much insurance would cost me for ive been looking around on internet but i think it would be better if it comes from some one around my age what type of car, make you drive what insurance company age, gender, how long u been driving with insurance how much it cost for you each month THANK YOUU""
Hickory North Carolina Cheap car insurance quotes zip 28602
Hickory North Carolina Cheap car insurance quotes zip 28602
Health Insurance?
This may be silly, but I saw a commercial the other day on tv that was advertising for health insurance for a little over &5.00 a day. I am currently in the hunt for health insurance so i wanted to go online and get some info. As luck may have it by the time i was able to get on the internet i forgot what the website was. I know the company starts with an e and its right at the tip of my brain, but i cant remember. Like i said this is a bit silly, but if anyone knows what im talking about please let me know! I havent seen a commercial for it sense.... I live in dutchess county, NY. Thanks!""
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I recieve higher rate disability and middle rate mobility DLA and my dad is my carer
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My car and car insurance are under my fiancees name. I will be renting a car on my own. Do I have to buy the insurance because it's not in my name?
""Buying used car, no insurance, 18 yr old 2 year driver?""
I just need to know the process before buying a used car, i found a good deal on a car, and it's an 80 mile drive to san diego. I have a nevada license which i'll be changing to a ca license by tomorrow and I'll be getting a temporary license until they mail me the card. What is the process of buying a used car. title and all of those things. Because i'll be driving back with no insurance, and i can't get one until i bring it back to my side of town. Can i get a temp one? or i can use the one that is with the car? do i have to do this process at dmv in san deigo? complicated process""
Gap insurance and warranty on car that was totaled?
I am not sure who is right on this one.... We bought a car in 12/11. We purchased gap insurance and an extended warranty at that time through the dealer. We decided to refinance the car through the credit union were we are members. The gap insurance was 1/2 the price we purchased at the dealer. The dealer and bank said that we should receive a refund. In the process of all of this the car was totaled by my 18 year old daughter in March. 1. We recieved a check made out to us from the dealer for the gap insurance.(pro-rated 4 months) 2. The dealer turned in the paperwork for us for the refund on the warranty and the warranty company sent it to the previous lein holder that we left. The initial bank in turn said it was our money and reissued a check made out to us. Any thoughts appreciated. Is it really our money?
How does this car insurance thing work?
and where can you get car insurance quotes.
Car insurance online?
can i sign up for car insurance online and drive the same day
What's a good insurance company for motorcycles?
I live in Halifax, NS and looking for good insurance rates. Also, what type of insurance should I get? Full coverage? I would like to insure my soon-to-be 2000 Kawi Ninja 250.""
I was stopped by police for no car insurance which I thought was covered on my other car. What's the fine?
I'm 28 and have been driving for 9 years but have no record against me before. It will go to court but does anyone know a ballpark figure of the fine/points, etc...?""
Health insurance in USA?
hello, i have few questions regarding health insurance for americans. 1- What is the average annual cost of health insurance for adults? 2- do children get free healthcare or should they be covered by the insurance? 3- who can benefit from free healthcare in america? 4- if americans pay tax how come theyre not entitled to free healthcare?""
My car insurance company raised my bill because my zip code changed.?
But I thought that in California they passed a bill called prop 103 that says that changing zip code should not be a base to raise the bill... I talked to the insurance guy on the phone who said that prop 103 never passed,yet when I'm reading about it in the internet,it says it passed..Am I missing something? Can I file a complaint to the consumers'affairs and the BBB in order for them to drop back my rate to my previous zip code? It's only a few dollars but it ads up at the end of the year..""
How much money does your insurance go up after a car accident that was your fault?
I am doing an essay on distracted drivers and I just wanted to know the statistics.
How can you get auto insurance after 2 DWI's?
How can you get auto insurance after 2 DWI's?
How much to insure a car?
im a 16 year old girl that is trying to save up for a car. im hoping to get a car at 2500 max. is there an amount that the registration and insurance would cost. I need to know how much i have to save. thank you :D ps. in utah
How much does insurance cost?
Im a 17 old year about to go to 18. I got my g2 and i have a FWD 2002 Mazda Proteg5. How much does insurance cost and is there a way to make the insurance cheap for me. I life in the Toronto area. I didn't take driving school.
Can you get insurance with just the chassis number for a new car/bike?
I'm trying to buy a new bike and in order to register it i need an insurance certificate. The trouble is all insurance companies i've tried getting quotes from online only do insurance with the registration number. Does anyone know of any that do it with the chassis number??
""Good/nice looking first cars for 17 year old boy, cheap to buy, cheap to insure?""
Good/nice looking first cars for 17 year old boy, cheap to buy, cheap to insure?""
If I ask my insurance company to fix my car will my premium increase?
I'm a beginner driver and I have my first car and a new insurance. Today I hit a standing car. My car requires some body work and the other car was not damaged at all. There was no police report filed. I'm 24 and single. I appreciate your help.
Why does the Honda Insight ('00-'05) cost so much to insure? (UK)?
Why does the 2000 - 2005 Honda Insight have group 12 insurance status in the UK?! Its such a shame, I have been looking to upgrading my small car at the moment, and have always liked the old Insight. For some strange reason it didn't ever seem to take off, and it was way ahead of its time, and is still a very good, one of the best ever mass manufactured cars for fuel consumption (may even be the best). It has a 1 litre engine, which produces just 66bhp, but is extremely efficient so achieves 83MPG and has a 0-60 time of 12.1s (top speed: 112mph). Remember group 12. Or I could pick out a Seat Toledo 2 litre Sport - produces 147bhp, 34MPG, has a 0-60 time of 9.4s (top speed: 128mph). This is a group 10. Why isn't the insight lower?!?!!?!??!?!?!?!?!!?!?!?!?!? Any info would be great""
Is Progressive a good car insurance company?
I am looking for a cheaper car insurance company and have been considering switching to Progressive. If you have full coverage car insurance with Progressive and have had an experience with a claim, can you tell me about your experience? Were they good about paying to fix damages to your car? Have you had any problems with them?""
What kind of Certificate of Insurance do I need.?
Hi. I just found a new apartment and in the lease contract there is something about a Section 1940.5 of the California Civil Code. The code basically says that if I have a waterbed or fish tank that is over 5 gallons I need to provide the landlord with a certificate of Insurance in the amount of $100,000. What kind of insurance would I be looking for to cover this? I have a 18 gallon fish tank that I would like to keep. Thank you!""
Does the monthly payment on a lease vehicle include taxes and car insurance?
I am looking to lease a car but I am on a budget. Ive been looking online at some people that want to sell or transfer their lease because I would only want it short term. Since lease cars are usually new insurance would be too much for me to pay, so I was wondering if a monthly lease payment includes it, and taxes.""
""Under Obama's healthcare policy, I can pay for affordable health insurance only when I am sick?ou like to ask?""
Obama said he will make sure Health Insurance companies will offer people with pre-exisiting condition. Right? So... I don't have to pay for Health Insurance now, because I am healthy and plus I can save some money. I can pay for Health Insurance after I hurt myself or get sick. Just pay monthly fee until I am well. Cool... Alright, fine. I guess the Health Insurance companies will have to pay my medical bills.""
Who pays for the home insurance when you are owner financing it? Also in the state of Texas what insurance c?
Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?
Are dual sport bikes cheaper on insurance?
Well me being only 17 and only having a minumum wage job. I heard it was cheaper to own a bike. Don't get the wrong impression, I can afford a car and insurance. It's it cost too much money. I have less thsn 100$ every MONTH to myself. I should habe over 650. So anyways. I want to get a bike. Since i'll only be commuting. Social,work,school. Is it worth it. And if so what kind of bike shoukd I get. I'm 6.3 and big. Woukd a 250cc be a good start?""
Hickory North Carolina Cheap car insurance quotes zip 28602
Hickory North Carolina Cheap car insurance quotes zip 28602
What are some cheap auto insurance companies in Phoenix Arizona?
I have an older car it's a 89 Ford Crown Victoria and I do have 10 points with my current insurance company (Progressive).
Insurance companies will have 32 million new customers because of Obamacare. How is this socialism?
The Affordable Care Act was modeled after a Republican health care plan by the Heritage Foundation and was first implemented by a Republican governor. All this bill does is makes sure that insurance companies have 32 million new customers. I could understand if you called Single Payer socialism (which I highly support), but calling Obamacare socialist is pretty stupid.""
So is there any health insurance for those with serious medical conditons?
My younger brother who's only 20 years old has a host of serious illnesses: crohn's disease, rheumatoid arthritis, irritable bowel syndrome, and a few more conditions that has constantly kept him sick for a good portion of his childhood. He's missed at least half a school year on a number of occasions, and despite his maturation he's still heavily affected by his conditions. Obviously, it's practically impossible for him to hold a steady job, he'll work for a while and then he'll have to take off a month or two just to deal with his illness, with that said he surely won't have employee health insurance. Currently, he's using our state's medicaid, however once he turns 21 he's no longer eligible for medicaid. With the health care system being the way that it is, is there any possibility that he could continue receiving health care despite his ineligibility? He takes a ton of drugs daily, and even takes some of the same medications that our grandparents take lol. I know some of you heartless conservatives believe he should provide his own health coverage, but how? His drugs cost thousands, and he's in the ER constantly, thus making his health-care only affordable to extremely rich individuals. When healthy, he does contribute as much as he possibly can, however for someone in his condition it would be downright shameful if he can't continue to receive any healthcare.""
Why is car insurance mandatory but not health insurance?
Say you have mandatory car insurance but not health insurance and you get in a car accident and get injured; your mandatory car insurance covers your car but what about you?
Possible new car owner with questions about insurance prices?
I'm looking into buying a car. I'm just now about to get my driver's license and I am a twenty year old college student. I need a car to get to work next year, but I need to know if I'll be able to afford one with insurance as well. I live in Georgia, and I just want bare minimum coverage. I'll upgrade if I get a job when I graduate, but until then, I just need something to get me by, you know? How do I go about getting cost estimates? Any time I try to get a quote, I need to already have the car information, but I can't buy a car without knowing how much it's going to cost me...""
How much would insurance cost on a 125cc Skyjet?
Looking to buy a 125cc and want to know how much it would be to tax it, MOT it and insure it. Almost 17 and just want a brief idea about how to do it and what to expect.""
How much would my car insurance cost for under 25 for a multi car insurer?
i am 19 and want to start driving but insurance is a big issue and i don't have any knowledge in that department. So how much would my insurance be on the cheapest car (what car would that be?) as a multi car insurer?
How do I get health insurance while going to college?
I'm a 21 yr old diabetic. Currently I work a full-time job as a fabricator and that's how I have insurance and afford my supplies. I want to go back to school though and get away from the fabrication field. My mother is remarried and is on my step-dads insurance and I don't know my real dad so I can't get on his. I'm kinda stumped here and don't want this to hold me back from going to school. Anyone have a similar problem? Possibly a solution?
Will a sex change from male to female result in lower car insurance?
Females have lower car insurance then males. So if a male gets a sex change does the car insurance company change their sex in their records and lower their car insurance?
How much will car insurance cost me if im 16 and getting a Scion Tc?
- 16 Year old ; Male - Just got my license - From Massachusetts - Took Drivers Ed I'm looking at a Scion Tc. The money I have saved up is there for the car. I am just worried on ...show more
How do I get rid of my car insurance?
I've got insurance on my car, but I am looking to cancel it. And I would like to cancel it without really having to explain myself to the company, seeing as they will want some sort of proof that I've for instance changed to a different company. I will be moving out the country come autumn, and I can't bring the bills with me for when I move away. It will cost too much, and no one will be driving the car anyway. Anyone have any suggestions on how I can cancel it?""
Is there any reason why i can't add someone to my car insurance?
If i add my sister to my car insurance, because she is a woman and older with lots of driving experience it will lower my insurance quote simply because she is on there. But does she need to actually use the car, or can i just get her added to the car for the saving. I know the insurance company wouldn't necessarily check but if i needed to make a claim could they dismiss it if it was uncovered the additional driver never used the car or intended to use it. We also live in different houses, will that make a difference, as from quotes i have done it doesn't usually ask for a second address, could i say she was living with me for insurance basis? Thanks in advance.""
How much does a chest X-Ray cost with no health insurance?
i've been experiencing pain in my chest, and i think i need a chest X-Ray. the only problem is, my insurance papers haven't gone through yet, and they won't for about a ...show more""
Insurance on mustang?
I am 16 years old- male and i am thinking about purchasing a 2002 black mustang( convertible) and i have already spoke to the man selling and all i have to do is go pick it up so i was wondering what would be the cheapest way to go on car insurance. My parents have state farm, and if have my own insurance i would only be paying for liability. Does anyone know how much that would cost monthly or whats the cheapest way to do this?""
Can I have monthly insurance?
I want to know if I can have a policy where I can insure my car for only 2 months? With my insurance I pay $560 per month and it will cost me $800 to cancel it mid-term. Is there any way to go around this because i'm shipping my car to Europe at the end of July but still need to use it here. I live in Canada and a response from a broker or an insurance company or even any one with the slightest experience will be greatly appreciated. Thank You!
How to get lower car insurance ?
I'm 23 and car insurance companies want between $300 - $800 for car insurance because I'm not 25 yet. I refuse to pay that much. Is there anything else I can do .
Car insurance cost for a Infiniti g35 coupe?
I'm 18 and think of getting one, anyone know how much it might be? Oh and btw I live in Hawaii.""
Is it possible to get a good used car for 3000 $ ?
I live in the Los Angeles area and I am a student .. I really need a car but I can only afford 3,000$ at the most .. Do you think I can get a pretty decent looking car for 3000$ ? and I am 25 years old , I never drove before ... How much do you think the insurance would cost approximately considering that I am 25 years old and new driver with a used car ? I really wanna know if I can get a good one for 3000$ Thanks a bunch !!!""
What is the cheapest auto insurance for a new driver?
I'm 23, female, and a new driver. I don't care about the quality of the insurance, I just need CHEAP, CHEAP, CHEAP. A potential job depends on a car I'm about to get, and I need cheap insurance ASAP.""
Can I open this kind of Insurance Business?
I was wondering if I would be able to offer a secondary insurance just for theft or total of a car. My sister has and resells auto insurance but my idea was to offer to modified imports. Or could offer a guarantee to pay difference from what I value the car then what their primary insurance pays? I know you need a license to sell insurance. Any input will help.
Will my car insurance go up for failure to stop for a school bus in NY? It is my first moving violation?
Also, I am not the primary driver on the insurance, my mother is. Will that make a difference? If my insurance does increase how much of an increase would i be looking at and what kind of fine I will be looking at for the ticket? Any feedback will be helpful...thanks""
What is the average insurance price on a Mercedes Benz CLS class?
I am 16 and I want to know if the car is expensive for insurance. I'm a guy too. And I don't need the I shouldn't have that car crap. I just want answers please I don't need your opinions I can afford the car.
""Does car insurance go down when you move to a different state, if so how do i lower mine? (see details)?""
I used to live in LA and my car insurance was 46.00. Well, I went to progressive and did a quote with my new address which is in TX and my car insurance quote is for 26.00. How do i go about getting these new rates since I no longer live in Louisiana.""
Which car has the cheapest insurance?
Audi A4 (Sedan) Audi A6 (Sedan) BMW 3-Series (Sedan) BMW 3-Series (Coupe) BMW 3-Series (Convertible) BMW 5-Series (Sedan) BMW M5 (Sedan) Cadillac CTS Lexus IS Lexus GS Mercedes-Benz C-Class Mercedes-Benz CLK-Class Mercedes-Benz SLK-Class Mercedes-Benz E-Class Mercedes-Benz S-Class These are cars I want to get but my dad said that he wants me to pay for insurance and gas. I want something with the cheapest insurance BUT ALSO on this list.
What is some cheap car insurance companies?
hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers""
Hickory North Carolina Cheap car insurance quotes zip 28602
Hickory North Carolina Cheap car insurance quotes zip 28602
https://www.linkedin.com/pulse/blaine-ohio-cheap-car-insurance-quotes-zip-43909-mia-hobbs/"
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Kent Washington Cheap car insurance quotes zip 98089
individual ky health insurance 2018 quotes<br/>individual ky health insurance 2018 quotes<br/><br/>BEST ANSWER Try this site where you can compare quotes from different companies: http://freeautoinsurance.xyz/index.html?src=scoop<br/><br/>RELATED QUESTIONS<br/><br/>Where can I buy a total loss car from the insurance company in Tamilnadu ?<br/>I am interested in dealing total loss cars directly from the insurance company, can any one assist me to get it directly from insurance company, because there are so many agents and brokers preventing me to buy directly? ny one can help? <br/><br/> Insurance keeps sending me money to send to provider, provider is telling me that I have a $0 balance. Do I keep it or send it back again? <br/> I had surgery this last October and due to it being performed in the hospital, my insurance is obligated to pay the full balance. Well, the insurance had sent me most of it (because the provider is out of network) but still owed the remaining balance. But, come to find out, the medical provider made a contractual adjustment and now my balance is $0. I called the insurance and told them that I now owe nothing and had already deposited the check and so I made an online banking check and sent the money back. I received another check for the same amount saying that I need to send it to the provider. <br/><br/>How Much Will Car Insurance Cost?<br/> I am working for a car right now and will get one once i m 17. I got pulled over and got a 2 point ticket (my headlights were off). if these points aren t removed does any one know what ill be paying a month. My dad had agreed to pay insurance if i payed for gas and the car but now he says it will cost to much and is saying he wont pay for it. I don t see how 2 points will effect my driving record, it s not like i got pulled over for a more serious reason. <br/><br/>Purchasing insurance to cover maternity leave in California?<br/> Is there any sort of insurance you can buy in California so you can get approximately your regular wages during your unpaid maternity leave? I ve heard that state disability doesn t pay too much. And how long can you take off? Some women say they ve gotten 3 months off but I don t know what I need to do to get that, and still have approximately my regular income coming in. I m not pregnant yet, so I could buy something without having a pre-existing condition. Thanks! <br/><br/> I was hit by an uninsured motorist, and I have an uninsured clause in my car insurance.? <br/> My car was totaled out, and since my car insurance had a non insured motorist clause then I just have to pay the deductible, and they will cut me a check. I was hurt in the accident, and I wanted to know if my car insurance (Progressive) will also pay out pain and suffering. I am considering taking this guy to small claims court, but if I do then I have no idea what the outcome would be. IF my insurance offers me a pain and suffering settlement then should I take it? can I negoiate for a higher settlement? Everyone is telling me to take whatever is offered to me because the guy that hit my car didn t have insurance, and could possibly claim indigentcy in which case I would most likely never see the money. I can get a pain and suffering settlement from my own insurance, but I believe that the person that hit me should have to pay it, and I am also assuming that I would get more money out of him directly than letting my insurance cover the pain and suffering. This is my first wreck that I have gotten into, in which, I was the party that was damaged (almost died), and the other guy only received a ticket. I know that life is not fair, but like I said before, this is my first car wreck where I was owed money and the other person did not have insurance. Any information will be much appreciated. Thank You Very Much. <br/><br/>I wrote a cheque for my insurance that wasn t cashed yet?<br/> So I m currently on maternity leave and I wrote two cheques out and gave then to my employer for my insurance. One was supposed to be taken out of my account on the 15th of January, the other onr is dated for the 15th of February. So, the 15th of January has already passed, and the money is still in my account. Am I able to spend it, or will the cheque bounce? Some advice would be great. I live in Canada if that helps <br/><br/>Where can I get affordable health insurance in New York State?<br/>I need health insurance hopefully that also includes dental. I make to much for state run plans and don t have enough for private plans they want as much as $1,000 and there is no way I can afford that. But I can t afford not having any either. Can anyone point me in the right direction? <br/><br/>Auto insurance rate increase for California?<br/> i noticed this year 2008 when i was up for my 6 month renewal monthly payment plan that my payments were higher. i bought my car, a mazda cx-7 june of 2007 and i was paying $95 a month, now i have to pay $114 a month. no new accidents or tickets since buying the car. i was expecting nothing to change, but then i noticed this. so i called them (esurance) today and they told me that all of California had premium increases. is this true? i had a feeling they were bullshi**ing me. can someone please give me a link to this in the news or something if this is true? are there any other reasons why my premium should have gone up if i didnt change anything on it from last year? i always thought if everything is the same and my record is clean it should go down slightly every renewal? should i shop around? (26, male, san jose, ca, good driving record, esurance car insurance) <br/><br/> Where can I get cheap car insurance? I m a first time driver (female, UK)? <br/>I passed my driving test last month and im about to buy my first car. But I have not got a clue about car insurance. Where can i get cheap car insurance for a female, first time driver? <br/><br/>How can I get my company on a insurance vendor list?<br/> Hello, I am trying to get my environmental firm on a insurance vendor list. We cover all aspects of environmental work (i.e. mold, lead, asbestos, fire, water damage) and service the TRI-State area. I have done some research and made several calls, but have yet to find any helpful information. I am trying to exhaust all resources, so any advice would be greatly appreciated. Thank you!! <br/><br/>Cheapest way to insure 19 yr old boy with one year no claims bonus?<br/>owns own car,has pass plus. been driving 1 yr on own insurance.wants me to put him on mine as he can t afford another yr on own. Can i do it? Is it legal? Is it cheaper? <br/><br/>Does insurance cover prescription eyeglasses?<br/>could you give me the range of prices, all I need is a general idea, I could not want to pay for them if they are over $100.00<br/><br/>What s the average public liability insurance cover figure in the United States?<br/>What s the average public liability insurance cover figure in the United States?<br/><br/>Insurance companies scoop on value of totaled car?<br/>If the market in your area is much higher then what nada is, the insurance is going to do a market analysis. How far can they legally go out. Meaning how many miles. If I am in louisiana, can they compare prices to vehicles for sale is California? <br/><br/>Mobile home insurance?<br/> i ask because the mobile home is not in my name i took over payments and when i call to ask a question they dont give me any info and i worry if im paying the insurance god forbid something happens then what if they dont give me anything for my damages at least with foremost the policy is in my name and i know all the info like deductible ,money for property damages etc <br/><br/> Why do we have insurance, when insurance companies don t want to pay anything?<br/>Why not just save the money in the bank? Lets bankrupt the insurance companies... tell them to go to hell. I ain t paying $100 a month for nothing.... and then wait months fro them to pay for my stuff. and them looking for reasons not to pay me.<br/><br/>Question about car insurance on L PLATES in england?<br/> Hi there,i was wondering if you could please help me here i am due to take my theary test soon but befour i do i was going to get a car and drive round on L PLATES with my lessons aswell so i can get extra experiance,i was just wondering if i am to do this il get the car inshored forwhat it costs me to insure say its 700 a year when i have passed my best i will wanna take the L PLATES off,will i have to pay more for my insurance after this or can i just take them off and drive as normal when i have passed my test?because if i got insured on LPLATES it is cheaper then a first pasts driver thas why i was confused.if you could please let me know because i really could do with the estra experiance....and also i was told that who ever i drive round with on LPLATES has to be insured on my car for them to be able to instruct me is this true? thanks for your time and help many thanks, Andrew. <br/><br/>Nicotine/cotinine test for life insurance?<br/>I haven t smoke for 5 weeks. In about 2 weeks I might have to take a nicotine/cotinine test to get life insurance. Will I be able to pass the test for life insurance.<br/><br/>I got into a car accident and i have no insurance?<br/> I rear ended this woman at only 20 miles an hour, she had absolutely nothing on her, not even a scratch . I have no insurance so she didn t call the police. Then she called this weekend she said her mechanic said it would cost over $500 because her air bags needed to be replaces due to this accident. Is she just trying to play me and did I have anything to do with those air bags? I decided she was lying to me, and decided not to pay. She then calls and says she s calling the police and reporting it as a hit and run, and calling a lawyer. <br/><br/>Do you have to be on someone s insurance to drive a car?<br/>In the state of Florida, if your name isn t on a policy, can you still drive a car? I know that some insurance companies offer uninsured driver insurance, in case someone without insurance hits you. But, do you need to be paying monthly on a policy if you don t have a car of your own? <br/><br/>individual ky health insurance 2018 quotes<br/>individual ky health insurance 2018 quotes<br/><br/>How do I get affordable insurance after dui non-conviction?<br/> State farm is canceling my auto insurance after a company called ChoicePoint inc. reported info. from the DMV about reinstatement of license, Chemical test modification and Chemical test revocation. I was arrested for a first offense and plea bargained to jump though all the hoops, pay all fines in order for it not to result in a conviction. Are there any insurance companies out there that do not purchase info. from ChoicePoint? <br/><br/>What is the best vision insurance - my husband needs corneal transplant.?<br/>We are self employed and need vision insurance. My husband has a severe eye condition which can only be treated with a corneal transplant. Of course we can t afford that out of pocket and I m hoping someone out there can help us with insurance ideas.<br/><br/>Car insurance help!!!!!!!?<br/>how does the car insurance work if your car was stolen but had full coverage<br/><br/>Vw r32 any idea on insurance?<br/>hi i am 23 year old female with 2 years no claims. just lookign for a very rough idea of costs to insure an r32, any similar ppl can tell me? thanks <br/><br/>Auto insurance for 16 year old female? r/o/p?<br/>I m sixteen, will be added to my mother s insurance plan. I will be the primary driver of a 2006 prius. I have good grades, and also, there are 2 cars between my mother and I. I am also located in CT! Can anyone give me an estimate of my yearly insurance cost? <br/><br/>How much in commission does an insurance csr make monthly on average?<br/>How much does insurance csr earn in commission monthly if they are good<br/><br/>Need help with car insurance?<br/> I am a 16 year old male but turn 17 in October 27th and i really want to get driving asap. The problem is is that i am on a tight budget when it comes to it. Buying the car isn t to bad its the insurance. When im looking on websites its coming up with prices like 3000 but i managed to find prices around the 1800 for a year. Does anyone know of any cheap cars where i could get the insurance for cheaper than 1800 Thanks I live in the uk<br/><br/>Insurance for scion tc 2008?<br/>i wanted to get the scion tc 2008 but my dad said the insurance is too high for 2 doors car or something like that.. does anyone kno any good and cheap insurance place they can recommend? thankyou<br/><br/>Goal to live without having to have life insurance in the future?<br/> At 50 I would like to live without having life insurance. No dependents. What financial requirements in retirement accounts and cash should I have? Plan on having no mortgage. No loans of any kind. And retirment funds in check to get me $20,000 a year from age 70 to age 100. Roth Account equal to the above amount for incidentals like cars for cash and medical bills. Children or grandchildren will be beneficiaries to these accounts. Would anyone under these circumstances need to pay for life insurance? <br/><br/>Can I insure my 26 year old sons truck only policy even if is in his name?<br/>Can l keep my 26 year old son and his truck on my policy after he moves out of my house?<br/><br/>1967 mustang insurance?<br/> I am 20 years of age me never been involve in car accident and never gotten pulled over have had my driver license since 2008-2009 around there I was thinking of buying a 1967 mustang does anyone know how much insurance will cost for that I currently have farmers insurance. Also does anyone know how much it will cost me to change its license plate tags from Oklahoma to California tags Its coming from Oklahoma thank you<br/><br/>Can i buy my own health insurance?<br/>http://MayaSoetoro.cn/health-insurance.html<br/><br/>Car Accident/ Insurance Question! HELP!?<br/> Made a really huge mistake today. Was rushing to get somewhere when I was backing out of my parking spot and hit a parked work truck! No one was inside of it, absolutely no one was around, and it was in an apartment complex that doesn t have cameras. You can not tell that the truck is damaged AT ALL. No paint scratches, no dents, nothing. However, my tail light went against his hitch and is completely cracked/shattered, and part of my bumper is knocked out of place (but not dented). You can see some of his paint on my car. I panicked and drove away because I was really scared and didn t know what to do. I was going to come back and leave a note on his windshield and then I realized that you can t even see the damage. I can t tell my parents because they re going to be so mad at me (last month they paid $600 out of pocket to replace my bumper when I irresponsibly let my boyfriend drive my car and he backed into something, I lied and said it was my fault and they were understanding but I can t tell them this time or they re going to worry too much about me driving). I m a very responsible girl, 17 years old no criminal record or anything but don t know what to do. If I say I came out of a store or school or something and someone must have hit me/ I don t know what happened, can I get in trouble for lying that it was a hit & run if they decide to get a claim from my insurance and can insurance tell? What should I do and what are the consequences if I lie!? Help ): ! <br/><br/>For car insurance is the higher the insurance group the more the insurance costs?<br/>im over 25<br/><br/>Can someone ballpark what car insurance would cost for a 16 year old male with a jeep cheroke?<br/>2.0 gpa i already paid for it vero beach FL<br/><br/>Why Can t I Afford my insurance? It s way overpriced.?<br/>It s the bronze plan cheapest crap you can get!!!<br/><br/>Good Health Insurance for individual?<br/> I d like to know if there are any affordable health insurances that can cover, at least in most part, doctor visits, low cost prescriptions and sometimes specialist visits. I don t go to the doctor very often, I can spend a year or more without a visit but I still need the insurance. I have a part-time job which doesn t offer me any benefits so I m on a budget when it comes to health insurance. I am still considered dependent but a family health plan is not an option at the moment. Any good health insurance that is affordable with a part time job in Florida? <br/><br/>Insurance when you die?<br/>If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed <br/><br/>How much will insurance be for a 17 yr old new driver in new york?<br/>i am a new driver, i cant get a quote bec. im a minor plz any help <br/><br/>Do I have to tell insurance about my ticket?<br/>I got a speeding ticket about a year ago. My question is I m trying to get an insurance quote, do I have to tell them about my ticket even though I went to traffic school and did not effect my current insurance rates? Thanks! <br/><br/>individual ky health insurance 2018 quotes<br/>individual ky health insurance 2018 quotes<br/><br/>What s the best way to find health insurance through the ACA?<br/>Should I just go through the web site or see an insurance agent? Thank you.<br/><br/>Mustang GT car insurance?<br/>Hey in 16 and im looking at buying a 1994-2005 Mustang GT. I like working on cars and this car seems to me an awesome car to work on. I just wanted to know how much people pay for insurance with a mustang GT. Also how much more would it cost because i am 16.<br/><br/>Is there a good health insurance for college students?<br/> I am a sophomore in college and have not had health or dental insurance since I was a little girl. I can t be on my mom s insurance cause the price will sky rocket. I have a part time job so I don t get health benefits at work. Is there some type of health insurance that has good coverage but also doesn t cost too much since I don t make too much?<br/><br/>Car Insaurance for 17 year old?<br/> Hi, I have been riding on the road for two years now (or will be when I get a car) I have had a 50cc moped when I was 16 and since turning 17 have a 125cc motorbike. I know that my no claims on bikes are separate but is there a chance I could get insurance cheaper? If so, roughly how much? (If you can could you recommend some cheap and cheap to insure cars, or some things I can do to get the price down? e.g. explanation of black box etc.? Cheers, Kieran. <br/><br/>What s the best deals on auto insurance?<br/>What s the best deals on auto insurance?<br/><br/>How much would insurance for a 19 year old be?<br/>Currently she s looking for a 1999 SAA-B 9-3, a 2000 mitsubishi Eclipse or 2002 Spyder Eclipse... Ball parkish, How much would it cost? <br/><br/>Where can I get any driver over 25 business car insurance?<br/>I m fed up with filling in heaps of info for online quotes, only to find that the company doesn t offer any driver policies <br/><br/>What is the cheapest affordable insurance for an 18 year old male?<br/> Alright so I am 18, I live at home, and I need to pay for my own insurance. I go to high school full time, I have good grades and I have taken drivers ed. I work 30 + Hours a week and make about 800 per month. I have about $6000 saved up to but a car plus insurance, I have found a 2005 KIA rio for $3500. I already have tags to put. My parents are very poor, both receive social security, and I am the youngest of five. Is there any possible way I could get insurance for $300 a month minimal coverage. If anyone has any ideas, or advice please let me know. Thank You <br/><br/>What kind of cars cost the least amount of money to insure?<br/>I am a teenage driver and I am looking to get my first car. What kind of cars have lower insurance rates, and are still reliable? I plan on getting a used car from around 2006-2008. <br/><br/>Does my auto insurance cover me in a rent car?<br/> I bought car insurance from AIG on-line; the policy does not state that I am or am not covered when renting a car. I live in Texas. The policy I have does note various endorsements related to Texas. When I call the help desk at AIG and ask if I am covered, they cannot tell me. Does the Texas Auto Insurance endorsements require that my insurance go with me when renting a car? If I am also driving someone else s car, what coverage would go with me as part of standard Texas policy? I have Liability, Uninsured/underinsured, coverage for damage to my auto (other than collision/collision). When I rent a car from say Enterprise, if my own insurance is in force, what extra coverage should I get so I do not have to pay a thing if their car gets scratched or dented? thank you.....frustrated in Texas. <br/><br/>Health insurance question (HRA) threw work?<br/> I got my new hire packet at work and it has are Health insurance info. It s Blue cross.. Now the deductible is 2500 and 5000 max family. I Have a family of 5.. We are paying a little under 200 a month for this plan. This seems crapy but hey it s insurance. Also they are providing us with a HRA (Health Reimbursement arrangements) So they will pay 80% of all charges up to 4000.00.. I m so confused.(before deductible is met) What is the HRA excaly is my question ?<br/><br/>Can I insure and drive a car I don t own.Owner dosen t have and can t afford insurance.UK law please.?<br/>Can I insure and drive a car I don t own.Owner dosen t have and can t afford insurance.UK law please.?<br/><br/>Obtaining Private Health Insurance?<br/>Hello: In about 5 years when I m 47 I will be looking to purchase private health insurance for my family. Probably I will look for some high deductible catostrophic insurance and pay for services as they occur. Any suggestions where I should look? Any advantage to buying it before I m 45?<br/><br/>What is the rating on Safeway Insurance?<br/> http://www.safewayinsurance.com/SIC/Defa... http://www.insure.com/articles/interacti... I didnt found it online. by rating, I mean what letter? STANDARD AND POOR S RATINGS DEFINITIONS AAA : EXTREMELY STRONG AA : VERY STRONG A : STRONG BBB : GOOD BB : MARGINAL B : WEAK CCC : VERY WEAK CC : EXTREMELY WEAK R : UNDER REGULATORY SUPERVISION NR : NOT RATED Do small insuarance companies get rated? <br/><br/>Best insurance for retirees?<br/>can you tell me the best health insurance , full coverage for the most reasonable price.. something tried and true <br/><br/>Chevy camaro insurance?<br/>How much is the chevy camaro insurance a month please answer asap it s important bc my daddy said it s time fa me to starting looking at cars so I can hv one my senior year<br/><br/>Does USAA cover blown tires?<br/>I have full coverage, and my spare tire is smaller then my other tires. I was just wondering since I m covered will they fully pay or does this come outta my pocket? <br/><br/>What auto insurance companies DON T use a credit score when deciding rates?<br/>I m against the practice of using credit scores (i.e. insurance scores) to decide auto insurance rates. Does anyone know of a company in the U.S. that doesn t use the practice?<br/><br/>Should I purchase Term Insurance not Whole Life and invest the difference?<br/>The anwers from my question has been overwhelming and I thank all of you who have tossed in their twop cents worth million dollar knowledge. Thanks...Al<br/><br/>Can switching to geico really save you 15% or more on care insurance?<br/>note: This is a joke respond like the commercials<br/><br/>individual ky health insurance 2018 quotes<br/>individual ky health insurance 2018 quotes<br/><br/>Cheap auto insurance online?<br/>Where can I get the cheapest online auto insurance?<br/><br/>Where will give a young male cheap car insurance?<br/> I know that I am statistically more likely to cause an accident than a middle aged person. However. Are there any companies that are good that will insure me on a car of about 200hp for under 1400. If i tell them I have achieved good grades and done pass plus etc as well as the fact I have never claimed on my current insurance could they give me a low quote? Thanks<br/><br/>Can I get cash instead of repairs for my auto insurance claim?<br/>The damage to the car is from hail and I ve already received an appraisal but I would like to know if I can get a check from my insurance company instead of getting the repairs done. Basically, do I have to spend the money on repairs or can I keep it? <br/><br/>Car insurance question.?<br/>Okay, so if a car has no insurance is it legal to still drive it as long as I myself am insured? <br/><br/>Do you legally have to declare having a medical cannabis card to your insurance company?<br/>Does this prescription count just like every other medication? Do you legally have to declare having a medical cannabis card (or say that you use cannabis) to your insurance company? I live in California. My insurance is Blue Cross.<br/><br/>What is the average salary for a licensed P&C insurance agent?<br/> I currently live in Maryland and will be moving to Texas soon. I have 8 years of experience in the insurance business as an office manager and I ve had my P&C license for the past 2 yrs. My current boss pays me $1,530 every two weeks with no commision. I know there s not really an Average because of commission and depending on how large the agency is <br/><br/>How much does a pediatrician cost without insurance??<br/>average??<br/><br/>Can a person who is term ill get life insurance if so what company .?<br/>Can a person who is term ill get life insurance if so what company .?<br/><br/>Which auto insurance is the cheapest? HELP PLEASE?<br/>I m 16 years old and I want insurance on my moms car. What is the cheapest company to have? help please! I really want to drive and moneys a big problem in my family.<br/><br/>I m wondering a car insurance random question?<br/>Hello, my brother has a cheap honda civic like $6 thousand .. He was driving and got in a car accident with a $200,000 dollar car.. The back bumper of the $200k car is wrecked and my brothers car is fine.. He has insurance .. Does the insurance cover everything.? Thanks <br/><br/>Need inexpensive motorcycle insurance...?<br/>I recently bought a Honda CBR600F4I and am looking for inexpensive insurance. Any help would be greatly appreciated.<br/><br/>How can I get car insurance for a classic car? And how much would it cost (roughly)?<br/> I think there is a bit of a misunderstanding surrounding my question. I am aware of all the restrictions and how difficult/expensive it may be. I want to know what I can do to have REGULAR insurance on a classic car. Examples: Will I have to make special arrangements with the insurance company? Will the payments end up being significantly higher? If yes, approx. how much higher (%-wise)? Are there ways/loopholes that may make my attempts more successful? (i.e. getting an uncle to insure the car and add me as a secondary, etc) What can I do to make the process smoother? 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Insurance says they can t cover it properly because she didn t have a proper license. My parents want us to give them the money for the car as an alternative to sueing her. What is the best solution? Anyone have any suggestions or input.<br/><br/>Are employer paid medical insurance premiums considered taxable income?<br/>Can Employers change the status of what they pay towards employees medical insurance to be taxed as income of the employee. For example, my employer pays approx. $10,000.00 per year toward my insurance premium, where I pay approx. $1000.00. Can that 10k be considered income and be taxed as such. <br/><br/>Car Insurance.?<br/> Does anyone know if there is a temporary car insurance you can get, so you only have to pay for it when you are driving the car. My car insurance is $150/month for plpd(partial), it is the cheapest there is, and my car is only worth around $2000. I only drive my car once a month for a 70 mile round trip. I just think its a lot to be paying $150 for a 70 mile trip. More than $2 a mile just for the insurance seems like quite a bit to me. There is no taxis or public buses where I live, and I dont want anyone else to take me. I am only interested if someone can give me information about the insurance. And a motorcycle wont work. Thanks. <br/><br/>Exactly what would be wrong with letting each state determine it s own health insurance reform?<br/>Is there some reason why DC is better suited to reform health insurance (obviously they aren t any good at it, given the debacle we ve seen already) than Albany or Indianapolis? <br/><br/>individual ky health insurance 2018 quotes<br/>individual ky health insurance 2018 quotes<br/><br/> https://www.linkedin.com/pulse/what-do-you-can-afford-health-insurance-terry-walters/
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