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johnhuber · 8 years

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Charlie Munger’s Most Important Concept (Takeaways from the DJCO Meeting)

A couple weeks ago, I flew to Los Angeles to listen to Charlie Munger at the Daily Journal annual meeting. These days, you can read the transcript of these events or even watch it on YouTube, so there is less of a practical reason to attend the actual event. But the main reason I enjoy these events is to meet with people. I have as much fun at the peripheral gatherings as I do at the main event. It’s nice getting to see friends of mine in the investment business who I don’t often see. It’s also great to meet up with clients who might live in the area of these events. That said, I have no doubt you can get more out of attending the event than you would watching it on YouTube. Hearing it straight from the horse’s mouth is good; but when the horse is in the same room as you, even better.

As usual, Charlie was full of Mungerisms, and while everything he said has probably been uttered by him previously, there were still a number of things I found relevant and worth highlighting. Nothing most investors haven’t heard, but it was very clear to me that these general principles were a very important part of the foundation that Charlie Munger used to help build his investment record over the last half-century.

Here two of my main takeaways/thought provoking topics that he discussed:

Takeaway #1: Patience—The Importance of Focusing on Your Best Ideas

As Charlie has said many times (including in my favorite talk he ever gave—The Art of Stock Picking), the ability to patiently wait for only the exceptional opportunities (and the ability to capitalize on them when they come along) has been a big edge for him over time.

At the meeting, Charlie talked about how his grandfather built a fortune in the Midwest by focusing on just one or two really good ideas. I believe Munger said he owned banks, and then at a few key times, opportunistically bought farms during recessions. The concept of doing nothing for years and then capitalizing on opportunity makes a lot of sense in most areas of business, but rarely is practiced in the stock market. Munger is probably the closest I’ve seen to someone actually implementing this concept.

Charlie made a comment about when he was starting out in his original investment partnership, he sat in his office at the law firm and sketched out a few basic ideas about portfolio management:

He said he figured he hold the average stock in his portfolio 3 or 4 years

He figured he might have 40 years or so to invest

Given the above two assumptions, he wouldn’t need more than 4 stocks in his portfolio to be adequately diversified

I think what he’s basically implying here is that if he has a 4 stock portfolio and he does this for 40 years, he’ll make 40 or 50 investments over the life of the partnership (assuming a 3 or 4 year hold time).

He said numerous times throughout the afternoon (as he’s said all his life) that:

You won’t get that many great ideas

You don’t need that many great ideas

Again, this is all stuff that has been repeated ad nauseam, but it is a very valuable idea to keep in mind—and given the contents of most portfolios I look at from other investors, it’s advice that’s very rarely followed.

In Saber Capital’s 2016 Investor Letter, I outlined some of the reasons for why I think this “do as I say, not as I do” dynamic exists in professional money management.

Takeaway #2: “Things Are Harder Now” (Or Different Now?)

The typical NBA offense used to be much more centered around the big 7 footer. You needed a star big man if you expected to be a title contender. But the game has changed. To be successful, you need to spread the floor with sharp shooters and your offense relies much more on the three-point shot. It’s not harder to win a championship than it was 30 years ago, but it would be if you were forced to implement the same game plan now that you used back then.

I’ve heard a lot of larger, well-known successful investors repeat the general idea that “investing is harder than it used to be”. Klarman said it in a recent letter, and I’ve heard probably three or four well-known top-tier investors repeat something similar in recent years. Munger repeated this same idea at the meeting. Basically, their feeling is that due to much greater competition, it’s harder to find the really low-hanging fruit and thus harder to beat the market.

However, I think that this view is influenced to a much greater degree by the size of the portfolios that these guys manage than it is by the actual competitiveness of the market. Of course it’s going to be hard for Klarman to do what he did in the 1980’s—he’s got somewhere around $25 billion or so to allocate now.

This is not to say that investing isn’t competitive—it’s one of the most competitive fields out there, as competition tends to be commensurate with financial rewards, and the rewards are almost unlimited in this particular field. I also don’t want to imply that beating the market is easy. It’s extremely hard to do over long periods of time, as evidenced by the staggering long-term win/loss record of the S&P 500 vs portfolio managers.

I also agree with Munger that the style of investing that he and Buffett used to trounce the market in the early years of their careers (mostly buying and selling really cheap stocks of decent businesses that nobody was following) is also much harder. There are no Western Insurance’s at 1 P/E anymore. Those stones have been turned over long ago.

But where I might cautiously disagree with Munger is on this point: the edge they had in the 50’s no longer works as well, but that doesn’t mean that there aren’t edges to be had in the stock market. As I’ve talked about a few times in recent posts, I think there are three general potential advantages that can be gained in the markets:

Informational edge

Analytical edge

Time-horizon edge

Most people only really consider the first advantage. I think Munger—when he talks about things being harder today—is simply saying that the informational advantage that he and Buffett gained by simply looking through Moody’s manuals—is obviously no longer there. The availability of information and the quantity of people analyzing it has largely arbitraged this general advantage away. This concept has really solidified for me over the past year or two. It’s still worth turning over stones, and certainly there are more inefficiencies with smaller securities, but I completely agree with Munger that the low-hanging fruit is gone.

But I think the reasons why this advantage has been mitigated in recent decades has also helped create a different edge—long-term thinking. Better technology and easier available information has made it impossible to locate a solid business like Western Insurance trading at 1 times earnings—that opportunity would have been “arbitraged” long before it got to such a crazy valuation. But the speed and pace of information flow combined with the short-term demands of the owners of capital (or their proxies) has helped widen the “arbitrage” opportunity for those who don’t have to play that game. Stocks were held over 10 years on average when Buffett and Munger were plucking the low hanging fruit—today the average stock is held for just a period of months. These buying and selling decisions are largely made for reasons other than the intrinsic value of the security in question, and thus create volatility in stock prices that don’t always correspond to volatility in business operations.

Basically, time arbitrage is an advantage that I think is much stronger than it was in Buffett and Munger’s day. It’s a different game, and this edge probably isn’t quite as large as the information edge of yesteryear, but I think it’s still quite significant.

So I think that when great investors made fortunes using a particularly technique and that technique is no longer working, they feel the game is much harder to win. Their big 7 foot center isn’t as dominant as he was in previous decades. But I think that just like competitive advantages in business evolve, or general strategies in sports evolve, the strategies that are successful in beating the market have also evolved over time.

I know of numerous small professional money managers that are beating the market over a decade plus, and I personally know a few people who are trouncing it, and have been for years. They are using the same principles that Munger used, but their tactics are different. Time will tell if these people have been better lucky than good, but I would bet on their record continuing until the point that they become whales. I would also bet heavily that if Munger, Klarman, or any other of the greats who long for the good-old-days were given a clean slate with a smaller sum of money, they’d too be able to once again trounce the market.

Buffett himself has talked at length about his size becoming too high a hurdle for great performance, but he recently said that if had started a new investment partnership in 2004, he would have been 100% invested in Korean stocks. At the DJCO meeting, Munger mentioned China as a place he would be actively looking for opportunities today.

So advantages evolve over time in business and investing, as do tactics and areas of focus. Were these great investors to start from scratch today, they might have to focus more on the metaphorical three point shot as opposed to their bigs, but I bet they’d bring home a few championships.

Wishing for the Good-Old-Days is Nothing New

One last point on this concept that “It’s harder now than it used to be”: I’ve not just heard this point recently, I’ve read about great investors who have said this point at various times throughout history.

In the mid 1970’s, Graham began to feel that the investing field had become too competitive and that his method of rigorous security analysis would no longer work as well. At this same time that Graham had felt the time in the sun had passed for the stock picker, Buffett was just getting his Berkshire snowball rolling.

In the late 90’s, famed stock picker Julian Robertson closed the doors of his enormously successful hedge funds, citing that the market had “changed”, and that the strategies he used for decades were no longer working. At this same time, a new class of small stock pickers like Dan Loeb and David Einhorn were busy stacking up 30% annual returns in their early years when their funds were still small. I think it wasn’t that Robertson’s strategies didn’t work or that the market had changed, it was just that he was too big.

Today Loeb and Einhorn are big, and both have hinted that things are different now. I think two takeaways from this section are that:

Size makes things harder

Sometimes tactics that were once successful don’t work as well. This doesn’t mean investing success is no longer possible, but it might mean that different tactics have to be utilized.

Takeaway #3: Great Ideas Are Obvious

Munger is incredibly sharp for being in his early 90’s, and while he sat for a couple hours in front of hundreds, he also took questions in front of a smaller group afterward. I wasn’t at this gathering, but the videos can be found here.

In the video I linked to above, he mentions that he has read Barron’s for 50 years and got one idea from it that made him $80 million. He gave that $80 million to Li Lu who has turned it into $400 million. Munger jokes that most people wouldn’t have the patience to read Barron’s for 50 years and only come away with one idea. But his point had nothing to do with Barron’s—it had to do with the concept of patience, and the idea that there won’t be that many great ideas out there.

The stock he bought was a cigar butt (as he categorized it)—some auto parts supplier that he bought for $1 per share and then sold it a couple years later for $15. Munger said it took him an hour and a half to decide to buy it. This tells me a couple things.

Munger thought it was an obvious idea and didn’t need long to realize that.

Although he spent 90 minutes on this idea, there was an immeasurable amount of preparation time led up to that decision, so that when the opportunity came, he was prepared to quickly evaluate it and capitalize on it.

Munger talked about how for his entire life, he has read four newspapers each and every morning and that he always has had two or three books going at once. This is how he has approached his life and his investment process. He enjoys doing this work, and he has used that strategy of compounding knowledge over time with an extreme amount of discretion and patience to build a great investment record.

All of these concepts are widely acknowledged, but it always helps to sear them in deeper every so often.

Have a great week.

John Huber is the portfolio manager of Saber Capital Management, LLC, an investment firm that manages separate accounts for clients. Saber employs a value investing strategy with a primary goal of patiently compounding capital for the long-term.

To read more of John’s writings or to get on Saber Capital’s email distribution list, please visit the Letters and Commentary page on Saber’s website. John can be reached at [email protected].

#Charlie Munger #$djco #Investment Philosophy

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weholyperfectioncollectorme-blog · 6 years

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Im a 24 year old female, employed, no kids, and not in school anymore. i have no health insurance and i have a lot of health problems but i coudn't afford to get insurance until now. I'm looking for a low cost health insurance with dental care. I've tried looking up different insurance but i dont know what category fits me. I saw theres a student option or something that has to do with ages 18-26 but i dont know what that covers. i have a hard time comprehending the description. Theres one for individuals where you either pay more monthly and get lower deductable or pay less and pay more for deductable. I'm at a total loss. can anyone tell me what is my best option and what insurance should i get?""

""What are insurance rates like in Thailand. Car, health and home.?

I have no idea what the charge for insurance and I hope to retire soon. I own houses in Thailand but they are not insured. And help would be appreciated.

My wife is pregnant. Due date: 9/10/09. Our COBRA health insurance expires on 7/18/09. What to do?

Our insurance expires before the due date. NO PROBLEM. We're getting a HIPAA guarantee issue plan. Here's the question: Our insurance expires on the 18th, but HMO's don't start until the 1st of the month. This would leave a 2 week gap where we wouldn't have coverage. We can't start a HIPAA HMO on July 1, because you have to expire all 18months of COBRA before you're eligible for a HIPAA guarantee issue plan. Chances are it'd be ok waiting until 8/1 to begin our new HIPAA plan, but if my wife went into early labor, it would be a very, very bad situation. PPO's start on the 1st, and sometimes the 15th. Same problem. What should we do? We'd prefer to not have a gap in our coverage.""

Darling Mississippi Cheap car insurance quotes zip 38623

What will insurance premiums be?

I had heard that with the new Obama healthcare system if you have to purchase health insurance on your own your premiums will be based on your income. Is this true? thanks

How can the citizens pay the the deductibles for the only health insurance policies that are affordable?

I work 2 part time jobs and neither offer health insurance, so in 2014 I will have to buy some. One comparable to the one I had when I worked a full time job would cost $600 a month but would cover prescriptions with a $20 copay for generics with a $1500 deductible and a $4500 out of pocket maximum. That is out of what I can afford. The one I can afford is only $219 a month but has a $7500 deductible which would have to be met for any benefits and there is a $12,500 out of pocket maximum. If I got very sick I would be wiped out with that one, so it seems that I am in a Catch 22. I don't make that much money ($8 and $10 for the 2 jobs where I work 24 and 18 hours a week respectively.) Now I just pay the doctor out of pocket and I paid $375 this year for office visits and $150 for medicine. That was affordable and now I am forced to pay a premium in addition to the same amounts I paid for the same service. This thing is making me nervous. Affordable to me is no insurance. Give me a cyanide pill if I get a terminal diagnosis because being in the hospital and wiped out financially is not a good quality of life.""

Car insurance question?

I currently have my car insurance through State Farm but I am switching to 21st century. Does State Farm charge a month in advance? I looked at my account online and it says that I was billed May 10th and the money will be taken out on May 25th. Also, I do the reoccurring payments, they take out my payment every month. Will I have to make a payment on the 25th even though I'm cancelling on the 20th? I'm going to call my local agent when they open, I just want to hear other peoples experiences with cancelling their insurance. thanks!""

Most affordable auto insurance?

I need a cheap auto insurance cuz my husband is laid off. We have two cars and we only have one ticket in the last three years.

Should i go through insurance?

Some guy jumped on and dented my hood. Its gonna cost $900.00. He is t paying. I filed a police report and will file charges. Two witnesses no video tape etc. Should i file with my insurance and pay the $500 deductible or just pay it all? Im scared that my insurance will skyrocker and it wont be worth it.

How much do braces cost WITH insurance?

i really only need them for my top teeth thats all and i was wondering how much that would cost with insurance.?

Motor cycle insurance for an 18 year old using usaa?

How much would insurance be for an 18 year old using USAA? I am going to get a Honda CBR250R for the gas mileage. I live in Southern California in Riverside county. the bike would be my primary transportation and i have a perfect driving record. along with straight A's. please help?

""Car insurance, accident & medical bills?""

I was in a car accident a month and a half ago. I went through my insurance to get my car fixed. My insurance dealt with his insurance & they accepted full responsibility. I went to the hospital immediately after the accident because I was afraid I had a concussion. I had mentioned to my ins company that I went to the hospital & asked what to do with my ambulance bill. I was told that wasn't covered under my insurance & his insurance would need to contact me. The ambulance company asked for my car insurance info & I have not received a bill, so I'm assuming my insurance company took care of it. However, I now have copays for physical therapy for my neck & back. How does this work? Do I need to contact his insurance or will his insurance be contacting me? I assumed I would hear from them, so I'm a bit confused by the process.""

Does car insurance cover for shattered side window?

My car got vandalized this morning and someone broke my backside window. (Not the big one but the small triangular window that does not slide down. Will my insurance company cover for the damage or do I have to pay out of my pocket? How much will it cost for that tiny window?

Can u get motorcycle insurance without a permit or license?

Where can I purchase affordable dental insurance that is effective immediately?

I would like to get braces or Invisilgn=]

Buying a used car and purchasing a car insurance in Tucson?

Hi. Im going to study in tucson for the next 2 years as an international student. I want to buy a car, and I am looking for a place that would be known to sell used cars at a fair price (I am not looking for something more than 7-8000). It would also be nice it those car would come with a warranty. Do you know good places for that? Also if you can advice me with car insurance that would be nice. Thank you a lot!""

""I need help getting good and affordable health, life and dental insurance for me and my family-please help?""

All I have is Medicaid, I want better dental and health insurance, and my family and I don't have life insurance. When my dad died he didn't have life insurance. I'm a bit concerned because I'm in my 30s and my mom's getting old, and I'm concerned about my little brother. My mother doesn't have dental insurance. I want my brother to have better dental insurance too. I need dental implants. Please help me out.""

Motorcycle insurance for 20 yr old mn?

I'm looking at getting a motorcycle and was wondering what it would cost me. I don't have any tickets or anything. My record is clean and I was looking at either a Kawasaki ninja 250 or 500r that would be like a 2005. Maybe a 750ccc cruiser. What difference would there be between the two types of bikes and about what would I be looking to pay?

Cost to insure sport bike? Ninja 250?

I'm 18 in WIsconsin. Live in country-ish area. Or how do I find out? Call our family agent? Or just the insurance company.

Is there anyone who insures motorcycles just for theft? dont need other coverage...?

Hey I have my 08 r6 being insured for 166 every 6 months but it doesnt cover theft. I got various quotes and nobody will do theft without doing full coverage. the difference is literally 10 times the cost. They want $320 a year without but with full coverage (aka theft) it is $3200 which is absolutely ridiculous. I was wondering if there was any insurance agencies out there who offer bike insurance (being only theft insurance)

How much will my insurance be?

I'm turning 16, and I intend to get a used passenger van for my first car (I'm in a band), and my parents are making me pay for my first 6 months of insurance (I believe you have to be 18 to have your own insurance so I guess they're making me pay the difference between whatever they usually pay and how much they'll pay after I'm on their policy. The van I'm looking at has 120,000 miles on it, if that matters, but only 70,000 on the rebuilt engine.""

How can i Switch to another health insurance?

my son has keystone mercy for his health insurance but i totally forgot that the hospital he was born in doesn't accept that insurance they accept americhoice and i want to switch but im worried because i don't if americhoce would pay the bills from when he was born!!!! help!!

Negative impacts on making all drivers have insurance?

also what are some positive impacts of making all drivers have insurance how would it help stop boy racers?

Does having a commercial drivers license affect my insurance rates?

I don't drive commercially for a living, so I'm wondering if having my CDL (which I do have) would affect my auto insurance rates positively or negatively. I have my CDL because I drive a bus every once in a while for the university where I work. Thanks for any help you can give.""

How much will my car insurance go up???

i recently totaled my brand new 07 scion tc... i had put 11,000 miles on it and i was paying about 1000 dollars a year in insurance... i did not finance the car but bought it outright... about how much will my insurance company give me and how much will my insurance go up""

""If I get a pull-behind trailer for my car, will I need to insure it?""

Probably a stupid question, but I'm clueless.:) If insurance is required, what happens when I want to loan it out to friends and neighbors? Thanks!!""

Renters insurance?

what exactly is renters insurance all about? is it pretty important or a waste of money?

Maintaining car insurance for DMV (lawyers chime in)?

I have a bit of a tricky situation that I can't get a clear answer online. My question is I have misdemeanor on my driving record that is not yet 3 years old. I have moved out of the US for awhile but will be back and some point in the future. I have no use for my current car insurance and as I will be relying on public transportation for everything. For California DMV purposes, do I need to keep my insurance policy up or is it ok that I cancel my policy since I will be off US roads (all roads in general)? I have read a stipulation that requires 3 years uninterrupted SR-22 coverage or something of the like. I would like to get rid of this monthly charge that I'm getting nothing out of but my worry is that negatively impact my driving record at the DMV for not fulfilling insurance obligations. Thank you.""

Can you register and buy a (cheap) car with no license or insurance?

I want to know if i can register a very cheap car thats around 2,000 tops at a used car lot and buy it with no problems.What problems will i face isnt it easyier to get a cheap car like this then at a actual new dealer i have no license or insurance do i pick a dealer with in house financing the only thing they will most likely ask for is it to get registered can i do that im paying half down.?im 21 im getting my license in 2 weeks (and no i cant wait)""

Darling Mississippi Cheap car insurance quotes zip 38623

Car insurance rates for a 2008 ford crown victoria?

was gonna look at one

Generally how much is car insurance for a teenager with a learners permit in california?

I will be driving my parents car and they currently have Esurance.

Good prices for car insurance

Can anyone suggest a car insurance company with good rates? I just had to add my daughter (16 and just got license) and my insurance went through the roof, even with the good student discount. I am currently with Mercury and I live in California. Thanks""

What car will i be able to afford insurance on when im 17?

im 15 on april 25th 2011 when im 17 what cars will i be able to get insured, i have a 1500 budget... i love the MG ZR how much will that cos when im 17...... and any other cars that will be cheap to insure that are nice looking cars and pretty nippy cheers""

New Car.. Wrecked... Before we added to insurance?

We had liability insurance on our older car, Then bought a new car on thursday, Had a car wreck on Saturday night before we got to add the new vehicle to our new State Farm policy which was to go in effect in about 2 weeks. The liability insurance carrier Gecko was to terminate on 10/29/09 - Both cars in the wreck had pretty major damage. We hit the other car in the rear... And got a Ticket for not having insurance on the new car because our insurance card from Gecko. Only our old car. Will either of the insurance companies pay for the damage to our new car and the damage to the other persons car? If you are an insurance pro please let us know what we should do and what to expect. Thank you for any help.""

CAR INSURANCE FOR A 18 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

Cheapest car insurance?

new drivers

""What would be the best insurance group to go in, if I am a first time car owner/driver?""

Hi, I am going to turn 17 in the autumn and I am looking for a first (used) car. But I am unsure about which insurance group is the best to go in? Someone told me I could get insured fairly cheaply on Group 5? I would like a reliable car, at the moment I am looking at Ford Focus, Volkswagen Polo, and Fiat Punto. I want it to be fairly new, and look good. I can spend up to 2000. Hope you can help

How do you find affordable health insurance?

I have a friend of mine who lives in Florida. He had open heart surgery a few years ago. After the surgery was done, the Dr walked in the room and told my friend he really never needed the surgery to begin with. He is trying to find health insurance and he is having trouble finding it because of his heart condition even though now he doesn't have one. Most of the health insurance companies want more then $1500 a month to insure him. How does he find affordable insurance in the US?""

How much is Insurance for a 17 year old on average?

I'm 16 and I didn't take drivers ed, i just got my license, and i just wanna know on average, and maybe the cheapest i could get insurance in the state of texas?...""

Does the car appearance affect insurance?

Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask What condition is your car?..any dents, etc does saying its in good condition make the rates go up or down?""

Anyone ever heard of a car insurance company called The Electric Company?

I called them and got a really great quote on car insurance. Has anyone ever used this company and is it a good company to go with?

Do you think which is better for a 1984 corvette classic car insurance or regular car insurance?

I am planning on getting a 1984 corvette but the insurance for it is a little too high.i just found out about classic car insurance but i really don't know much about it.but for classic car insurance,am i limited to a certain number of things like how far i can drive my car,when i can drive,etc?will the insurance actually be less or more for classic car insurance?and what is the best classic car insurance company i should go with?""

What is the Mustang classed under for insurance?

i was told that insurance companies class it as a sports car and will the insurance be high for a driver who: has slight ADD, 20 years old, just got my drivers license (2 months ago), lives with parents, has not the best grades, works part time, and isn't going to school at the moment? if it will be expensive what would you say would be a good first car? I'm driving a V8 4.0 litter engine Durango (year 2000) so i am familiar with a big powerful heavy car but i want a small car that drink a lot of gas and is cheap to insurance! thanks (please no smart A** remarks please)""

How much is liability insurance?

I am going to be a new driver soon and I will be driving a 4x4 dodge single cab truck and I live in missouri and was wondering how much liabillity insurance would cost per month? Thanks!

Cheap car to insure for a 17 year old?

Im 16 about to turn 17 and am looking at cars to insure but they are all too expensive to insure. Can anyone suggest a cheap car to insure and a cheap car insurer

Can Chevrolet Dealership repair vehicles with insurance?

So someone smashed into my parked vehicle. It is a chevrolet and the insurance is covering it and I can take it to a repair shop of my choice. I was wondering if the chevrolet dealership where I bought the car to can do those repairs? It is axel and bodywork damage. All help will be much appreciated thank you.

How much is insurance for a 17 year old in NY???

I'm thinking on getting a honda prelude 98-2001.

Cheap health insurance? Im a middle 30's single male. Is there a place I can compare quickly like car insuran?

I filled out one thing but it turned out to be almost a phishing scam. Im about to do COBRA, but I think I can get something cheaper. Im also in SC if that matters. Any guesses?""

Looking for insurance on older apts in Mewrced Ca?

QWe are looking for affordable property insurance for our older apts. We keep them up.

I have question about car insurance!!?

ok I live in California northern part so.... I wanto know how much is the car insurance for 16 years old? Is it depends on type of car and the price you got it? I found a car in the internet its 2008 audi rs4 $2000 clean title how much do u think is the car insurance for this car... Thanks for the real answers!!!!

Cheap car insurance in Oklahoma?

Where can I get a good deal on car insurance in Oklahoma?

Health Insurance for 20 yr old in NJ.?

I live in New Jersey. I'm 20. I havent had health insurance since i was about 15, and I live with a friend's family because I have no parents. My Mom died in 2008, and my father is absent. Is there anyway i can get medicaid or any type of affordable insurance ? I read that Medicaid is only available to the elderly, disabled, and people with children. If thats correct, do i have any other options ? (My mom had medicaid and i was on her policy before she died). Also, im in school full time, but not at a university, so the school doesnt offer healthcare. Any opinons/information is appreciated.""

What Vehicle has the highest insurance rates?

I friend of mine wants to purchase a Mustang and she was told that the rates in Georgia would be high....Does the color of the vehicle make a difference also?....I have heard the color Red would bring you into a high pay rage with insurance....not too sure so I'm asking....thanks

Insurance rates after one accident?

On the average how much would the insurance go up for one at fault accident, just an average.""

Darling Mississippi Cheap car insurance quotes zip 38623

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Woodland Alabama Cheap car insurance quotes zip 36280

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Woodland Alabama Cheap car insurance quotes zip 36280

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I'm 17 I passed my test in July and have just taken the pass plus course in the hope of decreasing car insurance cost a bit but I'm still getting quotes of like 3k + going all the way to 11k is there any vehicle, type or make, with any insurer that'll give me a reasonable price say 1kish or less?""

Tesco Car insurance cancelled?

I have just returned from 2 months being away and was very much surprised to read letters from tesco insurance about being unable to take money from my account for the annual renewal of my policy and therefore cancelling it. I talked to my bank and they said that there were not attempts to take money from my account by tesco. While tesco says that my card has been refused. I asked tesco if they could reinstate my policy due to some fault with the payment, which does not seem to be my bank they say that cancelled policy cannot be reinstated and suggest to pay 230 for the period that they were trying to collect and open a much more expensive new policy. They also told me that I face penalty because my car is uninsured now. I would like to reinstate the policy as cancelled unfairly and at the same time I need to insure my car quickly to avoid facing penalty. I wanted to maintain Tesco policy in case they reinstate it, as i will not have cancelled policy on my records and will not have to pay extra for the month, they have been cancelling my account, i also have 2 years no claim with them, provided another insurance, whose car slightly dammaged my front door, while i was parked at a petrol station, pays them. This insurance admitted that it was their fault, but have not finished paying Tesco. This is another reason, tesco could do me even cheaper insurance, once the responsible party pays in full. If i leave it as it is i am afraid that in additioon to cancelled policy I will have a not fully payed claim on my records.""

Whats the cheapest price for apartment insurance?

I just started renting for $500 a mo. after lease sighned and im all moved in, they tell me i have2pay another $20 a mo. for insurance on the apartment. can thet make me buy their insurance if i find a better Deal?""

Woodland Alabama Cheap car insurance quotes zip 36280

How much is insurance on a jeep wrangler for a male beginning driver?

Is anyone a male driver around 16 who drives a jeep wrangler and knows how much on average the insurance will be?

How would McCain guarantee affordable healthcare for all?

Healthcare costs are hurting the budgets of working families, businesses, states and the federal government. Don't tell me someone is looking for a handout when it comes to something as basic as healthcare. A simple accident can wipe out hard-won savings in any family. Now how's McCain gonna do it? Please?""

Paying too much for car insurance?

I drive a '97 Ford Escort, nearly 45,000 miles. I'm 21. I have had one ticket (when I was 16 and I got a diversion on that ticket, so I didn't have to pay nor report it to my insurance). I pay $956 every 6 months for full-coverage. I'm with Farm Bureau. Anyone think this is reasonable or should I check out other quotes?""

What's an average for tax and insurance cost for commercial property of very low rent?

I need to know what I'm at least getting into before I jump in headfirst. before starting all you need to know is that this is the space I'm looking at http://commercial.exitrealestategallery.com/homes/1738-Kings-Ave/17576657/?index=17 And probably be using it as a non-alcohol club/ rental and recording space for musicians.

Can i use my car insurance to pay for damage to my car?

Some idiot decided not to own up to denting my car at the weekend, so now i am left to foot the bill which judging by the damage is not going ot be cheap. The moron whoever he/she is has dented both passenger side doors. As i have never been in this situation i am not sure if i can use my car insurance to pay for the damage, especially as i dont know who damaged my car in tyhe first place. I am fully comp with Tesco.""

Why did my mothers health insurance affect MY credit?

So I was extremely sick back in June of this year. The medical bills were added up to be over 500$. I am 20 years old, in college, and I do NOT have my own health insurance. I have always been on my mothers. This debt went unpaid and as I checked my credit score today, in showed that I owed the hospital and it went into collections. I have spent the past year building my score. my credit score went down 142 points because of this!!!! How does this affect my credit???? I just dont understand. I neverr signed any papers saying that i was responsible for payments. EVER.""

How much does Jay Leno pay on insurance for all his vehicles?

Does he have a special contract with an insurance company? Because I heard he drives a different car every day.

My GF just renewed her car insurance and has to pay an extra 55 a year for 3 years because...?

In June last year some halfwit drove into the back of her while she was stationary at a junction, no claim was made as an accident management firm was used to claim the money back from the halfwit, it was a no fault accident on the GF's part, she also had full no claims bonus at the time. So will every company charge her this premium or is it just her insurance company? This is so unfair!""

Sites of the insurance quotes reliable?

http://www.education-house.com/insurance/index.html

Question about buying a car without insurance?

Hey everyone, I need answers without criticism as Im new to this and know as much as you did when you bought your first car. I live in Texas and I have my learners permit but will get my license in around a month or so. We found a great deal on a car I love, and my parents want to buy it. However, as I said, I dont have my license yet, therfore, I dont have insurance. I was wondering, if my parents want to buy the car and keep it at home in the garage until i get my license and can get insurance, how would it work from the moment I buy the car until I drive it home. My parents have full-cover insurance with State Farm in both their cars, each pays their own insurance, would their insurance cover a second (technically third) car? What would be the step to take? How can I drive the car in peace without being nervous about getting pulled over or something? Please no rude answers, im trying to do things right, thus im here asking, Thanks""

What do I do about car insurance when I join the military?

Do car insurance companies offer discounts on car insurance to those enlisted in the military. I'm going to be going off to the air force soon and I've decided i'm definately not taking my car. If I happen not to sell it either and just leave it at home, how do car insurance companies help with that? Do they give discounts to those away on military duty?""

Cheap Car Insurance For 17 yr old?

I am considering purchasing a fiesta st 2005 model and would like to know where is the cheapest place to insure it. I understand that being 17 it will be rather expensive but i hope you can help me find some cheap insurance i want fully comp with as little excess as possible :) thanks

How much would insurance be for a seventeen year old female driving 1999 Chevrolet?

I am sixteen i turn seventeen soon. My grandma will not keep me on her insurance About how much will insurance be for me as a 17 year old female driving a 1999 Chevrolet

How much would insurance be on a honda cbr 125?

I'm 17, had one year on a bike with no claims and want to get a 125 cc. Heard that the Honda cbr is a good bike to get but I've been told they're expensive to insure. would go on the comparison sites but they take ages then send you a load of spam! so anyone know how much it would cost for third party only? the bike I'm looking at is a 2006.""

What is the average cost for car insurance for a 17 year old?

Im 17 and pay $112 a month just for liability! it use to be $121 but i got a discount after 3 months. what about you? do you think im paying too much?

Which is the cheapest and best ( best value) auto insurance in the US?

GEICO sux

""Motorcycle Insurance Rate New Driver 22 years old 1974 Honda CB360, How Much?""

I'm buying a 1974 Honda CB360 Bobber motorcycle, I'm 22 years old..have had 1 ticket in October for running a blinking red light at night, 1 speeding ticket that got dismissed in court and 1 speeding ticket that stuck a 65 in a 55. I live in Michigan and this is my first ever motorcycle. How much am I looking to pay? and what is the best company to get insurance, online it says Geico wont insurance motorcycles in Michigan so cant use them. Full time college student if that matters any""

What's the best life insurance company? why?

""Im wanting car insurance, what would be the best one for me?""

I am buying my first car, and getting a 1996 BMW 318i , im 18 years old, have a restricted licence, havnt had any driving convinctions or crashes and I live in NZ, Im just wanting to know what insurance would be best for me either Full or 3rd party etc, and how much that would roughly cost""

Car insurance for a 16 year old???

I live near the Twin Cities in Minnesota, and have a 3.2 G.P.A and would be driving a 1996 4WD Chevrolet Blazer....we got a quote threw Progressive and they said it would be like $400 dollars a month just for no fault there must be some company out there thats cheaper.....Also........Would it be cheaper to go on my dad's insurance....or am i better off having my dad insure me through a different car insurace company. Because he doesnt want his insurance to drop him because if i get in an accident the rates would go way up and he also has other kinds of insurance through that company like home owners insurance and things like that........ -thank you-""

Can young drivers get cheaper car insurance with really big excess?

Finding restrictions on a California car insurance policy?

I was involved in a minor accident while driving my mother-in-law's car. I am on her policy, so assumed I would be covered, but was just told that I might not be because I was driving for work. Where on the policy does it show whether or not I was covered? I don't want to keep driving her car for work unless I am.""

How much cost an insurance in massachusetts?

I am not working and I will need an insurance.

How much should I expect to pay per month for auto insurance?

21 year old male with a new 2012 Jeep Grand Cherokee. I have been involved in one minor accident (my fault) and have one traffic ticket.

""In Texas, if you sign to buy a life insurance but change your mind, can you get your money in full amount?""

Last night insurance agents are able to pressure us into buying equity index universal life insurance, this morning we realize that it is too expensive and we'd rather have term life, what can we do? It is from World Financial Group agent.""

Woodland Alabama Cheap car insurance quotes zip 36280

I need a motorcycle insurance estimate?

I plan to get a 2009 Suzuki GS500F Motorcycle in the next coming months. right now i don't have a drivers license, just my learner's permit. i take the Road test next month and if it goes well the month after i will go for my motorcycle license. I am 21 years old and i live in NYC which as many of you know is a high traffic area. I am a college student, My campus is about 16-20 miles away. on a weekly average i expect to ride about 80 miles or so. i won't be doing any stunts, period. there are two questions i have for you guys, 1). whats the best motorcycle insurance for someone young, inexperienced and new on the road? 2). Being that it is a 500cc engine and its pretty low powered motorcycle will my insurance be cheap, like under 200$ a month or probably something way above that?""

Has anyone sign up for the Affordable Health insurance?

There are all these news about too much traffic to the site, but has anyone actually signed up for health insurance through healthcare.gov?""

When does car insurance go up in relation to an accident?

I was backing out of a parking space, and the car that was parked next to me was closer to me than I thought, and I scraped the side of their car as I backed out. I left my information, and filed a claim with the insurance. My car was fine, hers was scratched pretty significantly. Anyway, I'm wondering how car insurance works in terms of covering things like this & in terms of increasing rates after an accident . Do the rates go up regardless? Do they go up a lot? Or does it depend on the severity of the incident? FYI I have never had any moving vehicle accidents or tickets. Any help would be appreciated...I'm kind of in the dark!""

Fuel economy and average insurance prices of mitsubishi 3000gt?

I'm thinking of getting a 1991 Mitsubishi 3000gt. I would prefer the VR4 (DUH!), but if I can't find one(Right now I can find 3, so I'm not too concerned), I'll just get the SL. I don't want the base model. So what is the average fuel economy of this car( vr4 and sl)? And the average insurance prices? Anybody have experience with owning this car? I've heard that it's fairly cheep to insure, because it's considered a coupe by insurance companies, instead of being recognized as the high performance sports car that it is. Is this true? And is it as fun as it looks? ;)""

""What are insurance rates like in Thailand. Car, health and home.?

I have no idea what the charge for insurance and I hope to retire soon. I own houses in Thailand but they are not insured. And help would be appreciated.

Do you think which is better for a 1984 corvette classic car insurance or regular car insurance?

""Excluding insurance prices, which car would be the cheapest to run: impreza wrx (2006-2088), Civic Type R EP3?""

I'm about to purchase a little sports car to treat myself. I was wondering if you could tell me which of these 2 cars would be the cheapest to run (fuel costs, tyres, parts etc) If anyone has an any other car suggestions with a similar amount of power and specs please feel free to suggest. Cheers""

Does failure to signal increase insurance rates in Oregon?

How to fill out insurance quotes?

Ok first I'm going to explain the situation. Since I was 17 I drove with a licensed driver, and with my permit. When I was 18 I got a ticket for Under 21 drink and drive. It's a petty misdemeanor on my record, and I only got my permit suspended for 30 days. Just two days ago I got my license and passed my road test, I'm 20. I have a car picked out to buy so I've been looking into insurance quotes. However my ticket was never for a DUI and they never give me the option of what my ticket actually was. How do I go about this? Does it count? The quotes I've gotten back are 150-220 a month. Can someone help, or recommend an insurance company. I also qualify for driver's training discount, and good student discount.""

Cheapest car insurers for 17 year olds?

Which websites offer cheap/reasonable insurance offers for new drivers? Im 17 so I wanna find the best deal!

How much will my car insurance be? 17 year old male?

I have been waiting forever to hear back from the insurance company with my quote and it got me curious on how much the average is for a 17 year old male who does not have the best grades but has a clean record and never been in any sort of trouble. I understand you cant know this from just guessing but I was just looking for some estimates so I had an idea on how much to safe for. Thank you to who ever answers!

How much will it cost to get me listed on my mom's insurance?

And do I have to be on their? I only want to drive it once. Thanks.

How much is insurance for a girl (18) coming up to 19 on a peugeout 106?

how much is insurance for a girl of the age 18/19 on a peugeout 106 roughly?

Can i drive a car without insurance when i just bought it? or how much towing it will cost?

i just bought this car but it hasn't got insurance, and it will take me some time for that. i'm getting it from an individual who keeping it at his place for now.i'm due to have my practical car driving test in 4 days. can someone else drive it for me without insurance to bring it to my parking space? or if i call a breakdown/recovery company, how much they will charge me for about 40- miles?""

Gerber life insurance company?

is this even worth doing has anyone ever done this...i need feed back and ideas i have a one year old little boy and i want him to have something to fall back on when he gets older, weather its college or whatever The insurance says they can cash it out for the premium. So should i sign up or just get him a savings account?""

How much is motorcycle insurance in michigan?

I know it is hard to get an exact quote without knowing all the information, but I just need a range. I am looking at a 196cc 5 speed dirtbike that has been made street legal, and just need ~3 months of insurance. Would this be in the $100-200 range? Higher? Lower?""

Average health insurance costs?

I pay $69.70 for health insurance every two weeks from BC/BS. My co-pay is $25 per visit to the Dr. $60 for urgent care, and $100 for a trip to the ER. I realize that this is not a comprehensive listing of everything I get with the policy, but is there a way to find out if this is around the average that most companies offer their employees on a group plan? Thanks in advance for any insight.""

How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?

I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""

Do group health insurance plans provide for covering costs of auto insurance?

How much is car insurance.......suspended license?

I am interested in purchasing a car in the near future and am worried about high insurance rates. My driver license was suspsended for one month last January (driving with only a learners license....I know, stupid) Anyways, I did a quote online without stating the fact that my license was suspened, and the rate it game me back was $238 a month. How much more do u think it would be if I added that driving infraction? The website won't give that information. I used to live in Ontario and now am in Alberta.""

California 50cc scooter laws?

a 50cc scooter the kind that you sit on and seats 2 goes about 40 mph does it need to be registered in ca and have insurance on it? do i need a motorcycle class license to drive it? or anything else i should know about driving it in california? riverside county.

Is the maintenance/insurance costs on a 1998 Porsche Boxster expensive? Is it more expensive than a Corolla?

Would my maintenance costs go way up if I trade in my 2000 Toyota Corolla for a 1998 Porsche Boxster? Would my insurance costs go way up if I trade in my 2000 Toyota Corolla for a 1998 Porsche Boxster? I only have an additional $1000 per year to pay for any additional costs, would this be enough to cover the extra insurance and maintenance costs of an old used Porsche Boxster, one that seems to need quite a lot of mechanical work done at a Porsche dealer, compared to my old and flawless Toyota Corolla? Are Porsche dealers really expensive or is that just a myth? I drive a 2000 Toyota Corolla and over the years I change my own oils, my own fluids, and have only taken it in twice for tire alignments, that's it. The costs are extremely low. Now I see a 1998 Porsche Boxster for sale, with a slightly leaky engine and a Balking automatic transmission for sale. I would like to have fun and buy it, but I cannot afford any more than about $1000 per year in maintenance costs. Also, my insurance on the Corolla is dirt cheap, and I don't want to pay that much more when I get the Boxster, i don't want any surprises. What do you think? For a person with very limited resources, Should I keep my trusty old Corolla, or get the Boxster?""

""Car insurance sent me SR-1 form, What to do on SR-1?""

I got into a solo or at-fault accident cause i skidded off the road due to the road being wet after the heavy downpour. Nothing major and my first ever accident so i decided to report it to the insurance for a claim but decided to disregard the claim since nothing needed to be repaired except an alignment because i work on cars so nothing seemed broken. Now that it's been disregarded, mercury insurance sent me an sr-1 form stating i must fill it out or my license will be suspended within 10 days. If i fill it out and since there was no damages over $750, will there be an inspection to my vehicle?""

Insurance Cost Estimate For 16 Year Old With Sports Car?

How much would it cost to insure a 16 year old on Geico with a sports car compared to a sedan or something of that nature? To be more specific, what would be the average change in ...show more""

Where to shop for health ins when my cobra expires?

I've been under a company subsidized cobra plan for my wife and I for almost 18 months. The premium is going from $394 to $1150, which I cannot afford and will have to let it ...show more""

Woodland Alabama Cheap car insurance quotes zip 36280

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?

Insurance on a 2005 ford focus?

What would the average insurance for progressive be on a auto 2005 red focus with 70k miles. For a 17 year old and a 45 year old. Can I legally put my car in my parents name to lower insurance cost?

How long should I get a term life insurance policy for?

I'm researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?""

About coupe car insurance.?

I'm thinking of buying an coupe car. People say coupe car have very high insurance fee. Do you know where to check each car's insurance price? I also heard different age has different price, and older the cheaper. So if we have insurance this coupe as mom who is 50 year old would it be cheaper than me who is 18 year old? how much does it get cheaper if I never get in accident or get violation ticket? If you can, can you recommend me cheap coup car? Thank you.""

How much would motorcycle insurance be for a 17 yr old female?

hi. im 17 years old and live in glendale arizona. i want to buy a honda rebel 250. but im kind of worried about the insurance costs. i get average grades and am a good driver behind the wheel of a car and behind handlebars. how much do you think theyll ask of me?

How much is insurance for a 2005 V6 mustang for a 49 year old women?

My mom wants a mustang for her birthday just to drive back in forth to work. What will the insurence cost for her

Individual medical insurance plans?

I am getting ready to go into a contracting position and there is no medical insurance provided meaning I will have to supply the insurance for my family. Does anyone do this, and is the insurance deductible on the taxes? I am living in Indiana and the plan would cover 4 members including myself.""

Dog life and health Insurance?

In June I got my first dog ever, he's part Yorkie and Chiuua. He's 4 months old and I'm wrecking my brain looking for resonable insurance for him, can someone please help me, I am on a budget, however, I have health and life insurance for myself and granddaughter, my new baby should be covered as well. But I don't have a clue and I don't want to get ripped off either. Thanks""

Please HELP! I am pregnant with no insurance?

I just found out today that I am pregnant and I don't have insurance, I own my own business so according to FL state I make too much money to qualify for medicare, which I don't, please help ,do you know any programs with the hospital where I can make payments or any other suggestion. Thank You! please only serious answers this is very important to me!""

How can I get health insurance? How much would it be?

I'm 20 years old. I been supporting my self since 17. So I do not have a lot of money. I go to college and work part time at restaurant. I'm a permanent resident and I live in California. I been having a lot of problems lately and I suffer to come up with money to pay for it. For example: wisdom teeth, filling, dry eyes symptom, scar in my eyes, back pain, headache and now I have hundred of millias on my face and I don't have money to go see dermatologist. I want to get a health insurance but I don't know anything about it. I don't know how to get it, which one to get? How much I have to pay a month? Does it cover everything like dental, chiropractor, dermatologist? My parents are in different country and I work at a restaurant so I don't get health care benefit. I could only afford $50 a month. Is there any health insurance out there that is around that price? Please help!""

""Ran a stop sign, will my insurance increase?""

I am 20 and accidentally ran a stop sign today and got pulled over. I am in FL and the ticket is 166$. I am under my parents insurance and was using my dads car. I was planning on paying it rather than doing traffic school or trying to fight it, i'd rather just get it over with and pay the dang thing. But, my question is will it show up on there insurance that 'someone got a ticket on this day for this price and this reason and raise their insurance even if I pay it off? Reeeally don't want them to find out! Also, how to pay it?""

How much is insurance on a motorcycle for a 16 year old caucasion male in Texas??

i have never had a car or anythin. i am wanting to buy a kawasaki 599cc. i havnt had any accidents or anything. i just need an estimant on how much it would be monthly. now plz dont say call your insurance company or give me a site to go to just plz gestimate what you think it would be.

Lowest priced car insurance for under 25's?

I am currently due to renew my car insurance, I am 23, and have been driving for 2 years. I have been looking on some comparison sites, however I know some companies are not on the sites and could be cheaper - any tips based on experience? thanks""

""If I get a license and use my parents car, will there be insurance added for having a license?""

My parents have two cars, and are paying insurance currently for said cars. If I get my drivers' license is there going to be money needed for having a drivers' license? Or is insurance only paid just for cars?""

""I want to drive into Mexico, but don't know much about car insurance...any help??""

I'm driving to Monterrey, about 140 miles south of the border. I've driven in Mexico before and done the visa thing and all, but I've never driven my car there. When I drove before, I was under the rented vehicles' insurance. I know I need to purchase a driving visa from the customs building right across the border in Nuevo Laredo, but what about my insurance? I have AAA, and i've heard that they do something, but i'm not sure what!! Any suggestions or advice about international driving insurance??""

Best Car For Cheap Car Insurance?

I am looking for a used car that will be of good quality, reliability and value. In addition, I would like the insurance to be as low as possible. Any thoughts on specific models that meet these requirements?""

What amount should I expect to pay for car insurance on a 2010 Camaro? I'm 18 years old.?

I am just finally getting my license. I go to the North Carolina School of Science and Math, have scored an 800 on multiple SAT Subject Tests (2190 on my SAT), and have made straight As throughout high school. I've also attended a driver's education class (while this applies more to driver's insurance instead of car insurance, I'd assume it still carries some weight). The Camaro is a 2010 V6 LT1. Am I going to have to pay like hell to afford this?""

How much is car insurance usually?

and what makes it change? car type and age of owner?

Question about insurance coverage?

Okay today my car was broken into at school and they shattered the drivers side window and stole my $150 radio and my $120 graphing calculator. I have full auto insurance coverage but what coverage does this fall under? Comprehensive coverage? I saw on this website that homeowners insurance would cover this but that didn't make sense to me. Does the car have to be home when the break in happened? WILL CHOOSE BEST ANSWER

Where can i get a health insurance quote?

are there any sites for oklahoma health and life insurance quotes?

Lying to insurance driving record?

It's time to renew my insurance. In the quote I got in the mail, they didn't include the speeding violation that I got back in July 2009. If I tell them about it it would bring the premium up of about 120 dollars. I'm debating if I should tell them or not. After all it's their job to prepare the quote and check driving records. I'm just afraid that in case something happened they would use this as a reason not to pay eventual claims.. What would you do? Thanks""

How much insurance ratew for a lotus elise?

Okay lets see... I live in mass.worcester I'm 19 Never owned a car before Has 1 year driving experience with a clean record And the dealer is selling it for 12,999$""

Ridiculously high car insurance quotes?

My renewal quote from Admiral was 1,300 and shopping around most were higher. Best I got was just over 700 with Allianz. I own a 2,500 10-year-old Rover 75. Everyone I ask pays about 200 - 300 whether old or newer cars, powerful and sporty or economical family cars. My brother, 2 years younger who has points on his licence and owns a 3L BMW pays about 250. I tried my details with his postcode out of interest on the Allianz site and my quote was 300 more (over 1,000) than with my own postcode. Why is this and how can I get my quotes down?""

Can you sue someone if they hit your car and you don't have car insurance?

I was in kroger parking lot and a lady backed out and hit my car. we both got out of the car she ask me if i wanted her insurance and i said yes but would this do me any good if i don't have any insurance? She said we'll just send me the bill. She gave me her address and phone number. But when i called her to tell her the estimate she said she was not paying for it. it happen on private property so can i sue her even if i don't have insurance?

Affordable Student Health Insurance if I can't be on my parent's plan?

My parents are Japanese citizens in living in Japan and the insurance I currently am in with them obviously won't cover me in the U.S. I am going to be a college freshman and wonder if anyone knows any affordable student health insurance plans/companies. The plan provided at my school is a bit pricey and needs me to pay it all at once in the beginning which I can't do. Any affordable and numerous-payment-planned insurances?

Woodland Alabama Cheap car insurance quotes zip 36280

https://www.linkedin.com/pulse/cost-insure-sport-bike-ninja-250-noah-cunningham/"

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vrheadsets · 7 years

Text

Me Vs. A Decade

Today’s VR vs. story isn’t really about virtual reality. It’s more a story about the writer, as today marks a very important day for me. Let’s begin 24 hours ago though.

It was Monday. My phone was ringing. It was ringing and it was over on the other side of the flat.

Bugger.

Groaning I drop the speaker I’m trying to repair with one hand and break away from the Twitter post I’m writing with the other, to sprint across the flat. Dodging the overly long and overly patched up internet cable, hurdling the two steps up to the, weirdly, slightly higher level which that side of the flat is at. Before pouncing on the phone lying on my bed before it rings off. I knew who it was of course, if they are still there on the other end. Or, more precisely I know what type of call it would be. Someone from Manchester, or Liverpool, or Dublin or Abergavenny – that was a recent one – who wanted to talk to me about either:

a) The amount of money I could claim from the car accident I had. Which I’m reasonably confident is £0.00 since I don’t drive.

b) Have I thought about pensions and life insurance? Answer: Yes, but do they think about me?

or c) Whether or not I had heard about Payment Protection Insurance (PPI) from mortgages or home-buying or something. How it had been mis-sold or misused and how I was due funds worth hundreds of pounds. Have I checked? To which the answer is I have never done anything financially that involved PPI. The last caller on that demanded to know how I would magically know this.They were told forcefully that I think I would remember such a transfer. Also since I rent the likelihood of any of this is rather on the low side.

I was surprised as it was not actually any of these but a number I recognise from an employment agency. I picked up, and a somewhat more masculine voice than I expected wheezed “Hello it’s Derek from Kitten Whisperers!” The names have been changed to protect the guilty. “I was wondering if we could have a chat.” Turned out Derek was after a catch-up on things since the CV they had from me was a bit out of date, and since you never know and its always good to have such companies thinking of you, I agreed.

I ‘hmm’-ed and we went through some run of the mill questions. “Are you doing okay?” “Are you still living here?” “Are you still working for VRFocus?” Yes. “What do they do?” Well… Then Derek asked, “So, do you have much experience in Community Management?” And for a brief moment I was stumped. I mean, presumably he had my “kinda out of date” CV in front of him. What was he expecting? That I’d suddenly go ‘well actually I made it all up’ and fill him in with a completely different work history? ‘No, in truth from 2008-2009 I was a matchstick-seller and part-time snowboarding clown and from 2011-13 I lectured at Harvard in Esperanto.’

I pursed my lips together. “Actually it’s ten years on Tuesday.”

“Oh.” He said, a bit bored. I slumped because I was actually telling the truth .On the 28th of March 2007 I was bundled though into an office at SEGA Europe and quickly made to sign an NDA. It was all a bit hectic in the office and I wondered what was going on. I was then told that in about five minutes they were going to announce the fact that Mario and Sonic were going to be in a game together for the first time. and I was hurled into a chair and signed up to the official forum with full on mod powers.

“Track what they say.” Said my new line-boss as the press release for what was Mario & Sonic At The Olympic Games rolled out to the press. “If they start getting worked up.” He paused and pursed his lips together. “Well we’ll come to that.” He shrugged and patted my shoulder.

Ten years ago…

After the call ended I thought for a while about that ten years. I’d accomplished quite a lot in that time, not that you’d know it. But the truth of it is most people don’t know what I do, what any of us do. But that’s my career. A ten year stretch during which I had several years at SEGA setting up and managing their social media and working hard to rebuild community trust from the ground up. Which is mighty impressive considering I’ve never had a day’s worth of proper training in any of it before then – or indeed, astoundingly, since. I co-created an world record owning international convention with that community. Wrote blogs every day. Was the first one in and the last one out, and did my damnedest to fix an impossible to fix situation (and took a lot of flack for caring enough to do so) before I left several years later with my head held high despite being left exhausted in every sense of the word by the whole thing. Still, I’d left my mark.

Of course they then erased everything I ever wrote after I left because they were too lazy to keep the European branch’s blogs when they merged them. Which was nice of them.

Whilst I wasn’t well known by name, (I didn’t exactly promote myself as a ‘figure’ during that time) for those in the know I had gained a reputation for hard work (to the point of exhaustion), dedication and became known for my ability to conjure up miracles from essentially nothing. A social media MacGuyver able to put together content plans with nothing but half a screenshot and a second-hand paperclip. I was hired in the short term at Square Enix to essentially rescue a project after the previous Community Manager (CM) disappeared straight after it was announced. I ended up writing a bunch of game lore and cobbling together the foundation of something that could be built on. From there, after some disappointment, I ended up in Belgium where I led a tight-nit multinational team of newcomers to the role, as we dealt with all manner of projects. Instructing them as mentor/teacher.

I worked on multiple projects; I turned my hand to advertising campaigns having never previously been given a dime except for the convention and essentially doubled the revenue being made and halved the cost. In time one project was announced to be wound up and, again with nothing, I took over the reigns to somehow get a social game people had spent money on to conclusion and salvage the situation for the creators. I became de facto Producer and with nothing in my resources and a product announced to be closing I grew the English community by 50,000 in one and a half months. Sent session numbers through the roof and actually brought the game to a resolution which didn’t involve people screaming for blood. They had their money’s worth and they were happy. I still get messages asking if I can somehow bring it back.

After the Belgian firm turned heel on its own employees, I left and my team joined me as soon as they were able. Unemployment was better than staying at a time when there was a global recession going on. That says more than anything else I could. But that team was good, very good. Two have gone on to work with big companies within the games industry and I’m beyond proud of them.

Life took me back to the UK and I ended up working here at VRFocus. Did you know I’ve been here over two years now? It doesn’t feel it. But I have. I’m still a CM, albeit “Community Manager & Writer” now, I do what I can and that reputation I have is still very much in effect. Although the person behind it is rather more tired and worn looking than his 2007 equivalent.

True story: After Square I applied for a job at a major UK studio and during the interview was surprised to be asked if I wasn’t too old to be a Community Manager. I was then told, dumbfounded, in a phone call that I wouldn’t be progressing further and one of the reasons given was “we think you’re too old for the role”. I also didn’t have “the look we are going for”, apparently. Which made no real sense. Apart from the fact discriminating on the grounds of age (as well as apparently, my face) is illegal, I was 28. They made me sound like Methuselah. They’d probably have a coronary to discover I’m still one at 34! (Before anyone asks I was so shocked at what I was hearing it took some considerable time before I’d really realised what had been said, and by then it was too late to suddenly go “hey, hang on a minute!”.)

It all evolves. Much like VR – which we will come back to, I promise.

In fact this reminiscing is partly due to reading an excellent article on what the job entails by my opposite number (I… guess? Although she has a much better title than me – and she has a electronic fancy follower clock/counter that I desperately want to steal.) from Upload VR, Elizabeth Scott. Who got me thinking about what it is I do here and have done previously. But if you’re unsure what it is I do, I write this and Life in 360 and a number of other posts/features as required. Sort out most of the graphics, the moderation, and am the person you talk to on Twitter, or Facebook or Reddit if you see VRFocus being chatty there. I sort the social media in general when I’m in. I work with various partners and the guests writers we have to produce content, I work on the website itself – now with the new site’s designer. I’m HR, I run the time sheets. I edit videos when required. I run events when we run them but you’ll probably never see me at a main one. I search for stories and allocate them to the writers, with whom I work on their stories as I need. I’m, as my author description says, the unofficial Deputy Editor.

I fix.

I’m basically a cross between an online janitor and a hatstand.

But the core of the job is you help, and whilst I’m presently more on social than anything else. It’s kind of ironic that a guy who is heavy on the social anxiety made this his career. But hey, I never said I was smart. Ten years, four companies and a lot of projects have passed. The job has changed and evolved throughout those years and some point in the future it will change again – and it might be VR that changes it.

Community Management is part of that family of Customer Relations-type roles in business. It sort-of-kinda sits between everything. It’s marketing, it’s public relations, it’s creative and design, it’s finance and even legal (sometimes) and several of those are already being touched on and altered by other types of technology. The most obvious one being Artificial Intelligence (A.I.). In the same way will there come a time where a CM’s role will also be to respond to discussions on an article using such a system? Will a young wide-eyed fan be thrust into a virtual forum room to monitor reactions to Mario & Sonic At The Lunar 2028 Olympic Games? Appearing as a cartoony Avatar holding up the announcement trailer for you to then step into. All care of Oculus and Facebook’s Rooms system. Perhaps they’ll appear in your office or classroom as a virtual projection, displayed by Microsoft HoloLens to discuss a news story.

Will my career be supplanted by something else, all travel and interaction made virtual? I’m not sure I’d like that, if I’m honest. But that’s a question to be answered by the future – and the future is coming fast. For now I’ll continue to evolve as best as I can. Will I be doing the same role in 10 years? Who is to say.

Here’s to a decade.

from VRFocus http://ift.tt/2nvWqkp

#VRFocus #vr #virtual reality #canada

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