#Affordable car insurance options

[promtad]

Compare Auto Insurance Rates & Quotes - Find the Best Deals

Are you tired of overpaying for your car insurance? In this comprehensive guide, we’ll explore the importance of comparing auto insurance rates and provide you with the tools and strategies to find the best deals on car insurance coverage that meets your needs and budget. By the end of this article, you’ll have a thorough understanding of the factors that influence insurance rates, how to…

[andromeda3116]

i know that the "adulting sucks" thing has been overdone to the point of obnoxious, but seriously

seriously

adulting fucking sucks

[insuranceandfinance]

Why Health Insurance Is Vital?

Why Health Insurance Is Vital? https://insurance-n-finance.blogspot.com/2023/08/why-health-insurance-is-vital.html considering the rising medical expenses, wouldn't you agree that health insurance is indeed a necessity nowadays? But what are the various factors that make it so critical? In this article, we'll delve into why health insurance is vital and how it can save you from potential financial distress. Health Insurance: An umbrella when it rains Health Insurance is like an umbrella that protects us from the rains of potential health crises. It's a safety net that catches us when sudden accidents or illnesses knock us off our feet. The ticket to getting treated without worrying about the cost. Is there really any price tag on peace of mind? The High Costs of Healthcare Without health insurance, medical treatments can result in large bills, often leading to financial distress. The cost of hospitalization, surgeries, medications, and post-treatment care can all add up, burning a hole in your pocket. Even a simple health check-up could set you back a significant amount. Can you imagine falling sick and immediately thinking about the monetary toll it’s going to take on you? Unexpected Health Crises Life is full of uncertainties, and health issues can strike when least expected. Would you not prefer to be prepared for such circumstances rather than face a financial crisis? Health insurance acts as a buffer against sudden medical emergencies, ensuring you do not have to dip into your savings. Covers a Wide Range of Health Issues Many health insurance plans offer a comprehensive coverage range - including hospitalization, routine check-ups, preventive care, and even critical illnesses. Isn't it comforting to know you're prepared for a myriad of health complications? In Conclusion Given the unpredictability of life and increasing healthcare costs, health insurance isn't a luxury – it's a necessity. It provides financial protection, assurance during emergencies, and comprehensive coverage, making it an integral part of financial planning. Looking after your health shouldn't cause you financial stress. It's an investment in a secure and worry-free future. After all, your health is your wealth, right? via Insurance & Finance http://insurance-n-finance.blogspot.com/ August 27, 2023 at 06:48AM

[freesomebodybyluna]

getting kicked out of my apt bc of some stupid construction hehe...haha even

[is-this-yuri]

I'm so sorry to continue asking for help this way, but I'm seriously stuck.

ko-fi

to summarize my situation:

I'm living in a small car. I've been living this way for 10 years, with stints of couch surfing. I'm trying to get a van so I can outfit it with all the essentials of a home, which will allow me to live comfortably and cheaply and improve my life significantly. There is no way I'm going to afford an apartment or house, I've been trying for 10 years, all I want at this point is a van.

The fundraiser has been successful to the point where I can currently afford a van and want to start shopping. This is fantastic, since I really need to get out of my car before winter hits so I can insulate the walls of the van and be safe. I've spent winters in this car, and I do not believe it would be healthy for me to attempt again. Before I can purchase a van, I need a license first.

I'm currently facing a legal issue regarding my license. Over the past 4 years I've been unemployed and unable to renew my license and registration, or afford insurance. I've accrued about $2,100 of citations that I must pay before I can get a license. Keep in mind that I've been mainly living in my car, and while I've tried shelters and transitional housing programs, they have not helped me.

I wish I'd taken care of this sooner, but I've been living minimally to save as much money as possible while still affording my daily basic needs, and I've only recently had success fundraising online in general. It took me almost 4 months to save the ~$2,500 I currently have from the fundraiser, $1,800 of which is in my savings account. If I spend it now on legal fees, I'll be out of luck for winter and won't be able to afford the rest of my plan to escape the homelessness that has caused this issue in the first place.

Over the past week I've been in contact with the court, local community services, the DMV, and even my senator to see if there's some way to waive these fees or transfer a title to my name without a license so I can be safe this winter. They've all suggested going to a shelter, getting a job, and earning the money that way. All while somehow not getting pulled over again since I'd have no other way to get around but driving my illegal car without a license.

If I get pulled over again, there's a chance my shelter will be impounded and I'll be in an even worse situation. Insuring and registering this car is not a possibility while I'm living in it, as I'll still be ticketed and so will the licensed driver I'll have to put on my insurance plan to get the car insured, if I could even find someone willing to do that. I NEED a license.

Community services CAN NOT pay court fees. The DMV CAN NOT proceed with a title transfer as long as my license is suspended. The court CAN NOT waive or dismiss these fees. I MUST pay the court $2,100 and get out of my car to continue living my life safely.

HOW AM I EXPECTED TO COMPLETE THIS TASK?

My options are to pay the whole amount immediately, or get on two seperate payment plans (one for each courthouse I owe), one of which will last a year and require a down payment of $150, the other at least two years and a down payment of $200.

I desperately need your help.

Please consider donating to my Ko-fi. I've set a goal for the total amount I owe. Since I have the money for the down payments, I'll start the payment plans and pray that my ko-fi funds will replace the money as it goes. I'll make larger payments as long as the ko-fi funds exceed the $100/mo I need to continue paying for this. AS LONG AS I'M ON THE PAYMENT PLANS, MY LICENSE WILL NO LONGER BE SUSPENDED AND I CAN CONTINUE IMPROVING MY LIFE.

I have a seperate issue being that the DMV's driving tests for licenses are booked up until spring, which means even if this legal issue went away right now, I'd still have to live through the winter to be able to get a van, but there are more open solutions to that problem. Right now, my main concern is these citations draining all the money I was going to use to survive the winter.

[dreamdolldeveloper]

back to basics

mostly free resources to help you learn the basics that i've gathered for myself so far that i think are cool

everyday

gcfglobal - about the internet, online safety and for kids, life skills like applying for jobs, career planning, resume writing, online learning, today's skills like 3d printing, photoshop, smartphone basics, microsoft office apps, and mac friendly. they have core skills like reading, math, science, language learning - some topics are sparse so hopefully they keep adding things on. great site to start off on learning.

handsonbanking - learn about finances. after highschool, credit, banking, investing, money management, debt, goal setting, loans, cars, small businesses, military, insurance, retirement, etc.

bbc - learning for all ages. primary to adult. arts, history, science, math, reading, english, french, all the way to functional and vocational skills for adults as well, great site!

education.ket - workplace essential skills

general education

mathsgenie - GCSE revision, grade 1-9, math stages 1-14, provides more resources! completely free.

khan academy - pre-k to college, life skills, test prep (sats, mcat, etc), get ready courses, AP, partner courses like NASA, etc. so much more!

aleks - k-12 + higher ed learning program. adapts to each student.

biology4kids - learn biology

cosmos4kids - learn astronomy basics

chem4kids - learn chemistry

physics4kids - learn physics

numbernut - math basics (arithmetic, fractions and decimals, roots and exponents, prealgebra)

education.ket - primary to adult. includes highschool equivalent test prep, the core skills. they have a free resource library and they sell workbooks. they have one on work-life essentials (high demand career sectors + soft skills)

youtube channels

the organic chemistry tutor

khanacademy

crashcourse

tabletclassmath

2minmaths

kevinmathscience

professor leonard

greenemath

mathantics

3blue1brown

literacy

readworks - reading comprehension, build background knowledge, grow your vocabulary, strengthen strategic reading

chompchomp - grammar knowledge

tutors

not the "free resource" part of this post but sometimes we forget we can be tutored especially as an adult. just because we don't have formal education does not mean we can't get 1:1 teaching! please do you research and don't be afraid to try out different tutors. and remember you're not dumb just because someone's teaching style doesn't match up with your learning style.

cambridge coaching - medical school, mba and business, law school, graduate, college academics, high school and college process, middle school and high school admissions

preply - language tutoring. affordable!

revolutionprep - math, science, english, history, computer science (ap, html/css, java, python c++), foreign languages (german, korean, french, italian, spanish, japanese, chinese, esl)

varsity tutors - k-5 subjects, ap, test prep, languages, math, science & engineering, coding, homeschool, college essays, essay editing, etc

chegg - biology, business, engineering/computer science, math, homework help, textbook support, rent and buying books

learn to be - k-12 subjects

for languages

lingq - app. created by steve kaufmann, a polygot (fluent in 20+ languages) an amazing language learning platform that compiles content in 20+ languages like podcasts, graded readers, story times, vlogs, radio, books, the feature to put in your own books! immersion, comprehensible input.

flexiclasses - option to study abroad, resources to learn, mandarin, cantonese, japanese, vietnamese, korean, italian, russian, taiwanese hokkien, shanghainese.

fluentin3months - bootcamp, consultation available, languages: spanish, french, korean, german, chinese, japanese, russian, italian.

fluenz - spanish immersion both online and in person - intensive.

pimsleur - not tutoring** online learning using apps and their method. up to 50 languages, free trial available.

incase time has passed since i last posted this, check on the original post (not the reblogs) to see if i updated link or added new resources. i think i want to add laguage resources at some point too but until then, happy learning!!

[mistchievous]

Okay, so I really didn't want to make this. I've been arguing against it with friends all morning, but my other option at this point is taking out a payday loan which would be... horrible. I'll do it if I have to, but that whole thing is a predatory mess I'd rather avoid if I can.

My HOA sent me into the negatives this morning, and I can't work my way out of it. I don't get paid again for another two weeks (July 5th), and I have less than half a tank of gas to last me. I have three bills due before I get paid again - my car insurance, my mortgage, and my electricity.

I normally do Uber on the side, but I'm not in any position to do that considering I can't even afford gas right now, and I still need to be able to get to my regular job.

I feel really horrible reaching out, but my friends keep insisting it's the right thing to do and that I shouldn't feel bad about asking for help.

I have a Ko-fi if any of you feel inclined to assist. I completely understand if you don't.

I'm hoping to reach the point where I can at least afford to get gas and Uber about outside of my regular work hours. I probably won't be able to earn everything I need that way, but it will at least cut into what I would have to go out and borrow before the 1st.

I'm just really in a bind and would appreciate any support any of you'd like to give.

If you got this far, thank you for reading. I appreciate your time and your consideration. <3

~ Jess

[the-badger-mole]

Kindness of Strangers

Please pick up

I'm busy

I know, but this is an emergency

With shaking hands, Zuko found Mai's number and pressed the call button. It rang twice before her voicemail picked up. Zuko groaned and almost started crying.

Mai, pick up Seriously, it's an emergency I don't got out that often zuko. You can't let me have ONE night? Mai I think i need to go to the hospital My stomach. I think it's food poisoning or something Your stomach ache? Seriously? You're a big boy. You can handle an upset tummy Drink some tea

Zuko groaned again. It felt like something solid and hot was burning through his intestine. He tried calling Mai again. This time it only rang once before he was sent to voicemail.

Leave me alone! If you call again, I'm blocking you

Zuko dialed Mai once more. Sure enough, it went right to voicemail this time. She'd done it. Zuko felt bile rising in his throat along with panic. His uncle was out of town. Haru, his only other friend didn't have a car. An ambulance was out of the question. His father had removed him from the family insurance policy, and though his uncle was working on the details to add Zuko to his own insurance, that wouldn't kick in until the following month at least. All Zuko had in the meantime was the student insurance the university provided, and it didn't cover ambulance rides. That left just one option.

The unsteadiness of his legs was a bad sign. As was the way his stomach roiled in protest at the movement. The hospital wasn't far, though, Zuko reasoned. He made it to his door, then he stumbled out into the hall, not even bothering with his shoes. He heard a gasp, and realized his neighbor across the hall was there.

"Are you alright?" she asked. Zuko shook his head. Then, he doubled over and puked onto the tile floor. The neighbor-Zuko recalled he'd heard someone call her Katara.

"My stomach," Zuko groaned, clutching his side. Katara rushed over and tried to help him stand, but the pain wouldn't let him stand upright. He felt a cool hand against his forehead. Then is jerked away with a gasp.

"You need to go to the hospital!" Katara said. She pulled out her phone, but Zuko groaned and tried to stop her.

"No ambulance," he insisted miserably. "Can't afford it." Katara hesitated, and Zuko knew she was debating calling anyway. Finally she sighed and slipped his arm around her shoulders, and helped him into the elevator and into the parking lot.

"Don't you dare throw up in my car," she muttered, strapping him into the passenger seat of a small, blue sedan. She slid into the driver's seat and reached into the back. Zuko was vaguely aware of some rustling, but he didn't know what it meant until Katara passed him an empty plastic bag. She peeled out of the parking lot and raced the two miles to the hospital. The large, white building was in sight when Zuko made good use of the plastic bag. He was still clutching it minutes later when Katara helped him out of the car and into the emergency room.

The next bit was a blur. He was brought back to triage almost immediately where it was discovered he had a ruptured appendix. The words emergency surgery were the last words he heard clearly before he was being stripped, shaved and prepped for the OR. This, he would later decide, was a blessing. He hated hospitals, and this visit would've sent him into an anxiety spiral. As it was, he still had a moment of panic when he woke up attached to an IV and several upsetting sounding monitors, but the panic fizzled into confusion when he realized he wasn't alone in the room. Across from him, in the chair, his neighbor sat curled up under a thin blanket.

She must have felt him staring because she stirred, and then looked up at him. She blinked in confusion, trying to understand where she was and why, Zuko guessed. Then she smiled at him sleepily.

"The doctor said you'd be out a while," she told him. "Are you feeling alright?"

"I...yeah," Zuko said. He was fine, at the moment, though, he could feel the dull ache emanating from his side from where they'd taken his appendix out. "What are you doing here?"

"I didn't know who to call," Katara explained. "I thought you would probably prefer not to wake up in a hospital room alone. They said it was fine if I stayed."

"Oh..." Zuko eyes fell to his hand, to the needle and tube stuck into his skin. Whatever the IV was delivering seemed to be working. He was already feeling the haze of sleepiness creeping back in. "Thank you."

"No problem." Katara smiled warmly. "Is there someone you want me to call? I have your phone."

"Did..." Zuko swallowed hard. "Did anyone call me?" Katara glanced down at his phone and shook her head.

"No," she said. "You've only been here about three or so hours, though." Zuko sighed and let his head fall back. Mai hadn't called. He was irritated, but also a bit...relieved? That surprised him.

"Can you call my uncle?" he asked. He told Katara his passcode. As he drifted to sleep, he heard her telling his uncle that he was fine, and had already come out of surgery.

The next time he woke, the sun was up, and he was once again not alone. Iroh sat in the chair across from him, worry lines etched deep in his face. His entire body unclenched with relief when he saw Zuko open his eyes. He was, Zuko surmised, thinking of the last time he'd sat in a hospital room with his nephew.

"How are you feeling, Zuko?" he asked. He came up to Zuko's side and placed a hand on his wrist, careful not to disturb the medicine drip.

"Like lukewarm garbage," Zuko sighed. The events of the night before caught up to him and he jolted up, looking around. "Where's...?"

"That lovely young woman who brought you in?" Iroh chuckled. "She offered to stay, but she looked like she could use some rest. Very kind of her to sit with you."

"Yeah," Zuko agreed. Iroh cast him a sly look, one that Zuko was too heavily medicated to take heed of.

"She's very pretty, too," he commented offhandedly. "Even after spending the night sleeping in a hospital chair."

"She's too young for you," Zuko snorted.

"Indeed!" Iroh agreed emphatically. "But...she is just the right age for a handsome young man who happens to be studying at the same school and lives in the same building as her. One who now owes her a nice thank you dinner. One into whose phone I took the liberty of programing her number, and who should definitely call and let her know how he's doing."

"Uncle," Zuko groaned.

"I did tell her you would let her know you're okay," Iroh said. "I'm just saying."

"I'm dating Mai." That brought back the earlier portion of the night. Zuko looked around and grabbed his phone. Surely Mai had called him at some point. There was nothing from her. He tried calling her, but it still went straight to voicemail.

"Something wrong?" Iroh asked. Zuko sighed and shook his head.

"No, uncle. Nothing at all."

Zuko didn't hear from Mai until the following day. He hadn't tried to reach out to her again, so he didn't know when she had unblocked him. Suddenly, his phone started ringing and her name and picture showed up.

"Hello?" Zuko said groggily. He had been taken off the pain medication, but the effects hadn't worn off yet.

"Why is your door unlocked?" Mai asked. "Where are you?" Anger boiled up in Zuko's body, unhindered by the lingering drugs.

"The hospital," he told her dryly. "My appendix ruptured." He had at least the satisfaction of hearing her gasp.

"What hospital are you at?" she asked. "How long have you been there?"

"I've been here since I called you to tell you I needed to go to the hospital," Zuko snapped. Mai let out an irritated huff.

"Well, I would've come if you'd told me it was that serious," she said. "It just sounded like you were overreacting about a stomach flu! Where are you? When are you getting checked out?"

"They're discharging me tomorrow," Zuko told her.

"Do you need a ride home?" Mai asked.

"It's taken care of," he said, shortly. "Uncle's coming to get me, so you don't have to bother about it."

"Why are you being so bratty about this?" Mai demanded. "I said I was sorry!" She hadn't, but Zuko chose not to point that out.

"Where were you?" he asked instead.

"Out with friends." That answered absolutely nothing, but the tone of her voice told Zuko that was all the answer he would get.

"Whatever," he huffed. Mai was silent on the other end for a long moment.

"You want me to bring some food?" she asked. She sounded unusually subdued. "I can bring you something at the hospital, or I can make something for when you get back, tomorrow."

"It's fine," Zuko sighed. "I'm staying with Uncle for a few days."

"Are you going to be all mopey about this?" Mai demanded.

"What are you talking about?" Zuko turned his head to scowl at his phone.

"You're doing that woe-is-me, kicked puppy voice you do," Mai said. "I'm sorry I didn't rush over when you called, but I had been drinking, so it's not like I would've been able to take you anyway."

"So instead of saying that, you blocked me?" Zuko's grip on the phone tightened, and he resisted the urge to hurl it across the room. Surely it shouldn't be this hard being in a relationship. Surely it shouldn't be a battle to get his girlfriend to be sympathetic to him after he almost died and needed emergency surgery. The machine monitoring his heartrate started making an alarmed beeping noise, and Zuko forced himself to take a deep breath.

"You know what?" Mai said quietly. "I'm going to let you go. Clearly you need some rest."

"Mai-"

"See you later, Zuko."

The call dropped. Mai had hung up on him again. Zuko's heartrate dropped to it's normal pace.

Mai didn't call again after that, and Zuko didn't call either. She sent him a few texts during the time that he was at his uncle's house recovering. He sent her very short responses. He was fine. He would be home after his stiches were removed.

A day or two into his stay, another message came through.

Hey Just wanted to see how you were doing This is Katara, by the way. Your neighbor Your uncle gave me your number Hope that's ok

Zuko was fine with it, it turned out. More fine than a man with a girlfriend should be, maybe.

When he finally returned to his apartment, his first call was to let Mai know hie was home. She didn't live far, and she wasn't busy. Fifteen minutes later, she was at his door, looking sullen and bored.

"Glad to see you're okay," she said.

"Yeah." Zuko led her into the apartment and sat at the table. Uncle had left him with cookies, among other assorted reheatable dishes. He offered one to Mai. She declined. Then there was nothing else to stall with.

"Why did you block me?" he asked Mai. There was no heat in his voice, no anger. He genuinely wanted to know. Mai scowled at him.

"Seriously? You're not over that yet?"

"I just want to know why," Zuko pressed.

"You were bugging me," Mai shrugged carelessly. "I was out with friends, and I thought you were just trying to get me to leave early."

"When have I ever done that to you?" Indignation flashed through Zuko, hot and bright. Mai just shrugged again. She sat back in her seat and folded her arms.

"I'm sorry, alright?" she huffed. "Can you just drop it now?" Zuko leaned back and studied Mai. He had been with her for five years. She was his first ever high school girlfriend. Had she always been so dismissive?

"I needed you," he said. That made Mai roll her eyes skyward.

"I promise it won't happen again," she said. Zuko shut his eyes and shook his head.

He had other questions. Lots of them. For one thing it occurred to him that she might be cheating, and the reason she refused to answer or come to him when he called was because she was busy with some other guy. It wouldn't have been the first time. He could ask and give her a chance to lie about it. He could even pretend to believe her. Or she might be telling the truth and he was wrong about her cheating. It didn't matter, he realized suddenly. Her answer didn't matter, so he wouldn't ask.

"It won't happen again," he agreed at last. "Mai... I think we should break up."

Zuko's next call was to Katara. The day after his messy break up with Mai, having cleaned up the remains of his cookies and the plate they were on, Zuko dialed Katara's number.

"Hello?" she said, sounding uncertain.

"Hey...um...Zuko here." Zuko's face flushed hotly when he heard her giggle on the other end.

"I know," she said. "I have your number, remember? How are you doing? Are you back?"

"Yeah," he said. "I'm back. I'm feeling a lot better. A little sore, but I can get around."

"I'm glad to hear it." And she sounded genuinely glad. "You didn't have to do all that to meet me, though. You could've just knocked on my door and said hi."

"And waste an opener like puking my guts and almost dying in your car?" Zuko was rewarded with another giggle. She had a nice laugh, he thought. It was so easy to talk to her.

"It was a memorable opener, I'll give you that," she said, laughing again.

"Yeah." Zuko swallowed hard against his suddenly dry mouth. "I was actually calling to thank you. I don't know what would've happened if you hadn't been here."

"Don't worry about it," Katara said. "I'm just glad I was able to help."

"Yes, well..." Zuko chided himself for being such a coward, and he forced his next words out. "I was wondering if you'd like to have dinner with me. To thank you! To say thanks for saving my life."

"Zuko, you don't owe me anything," Katara said gently. Zuko's heart fell into his stomach.

"Oh...I just thought I'd offer." He tried to keep his tone even and friendly as he hit his forehead with his other hand. Stupid. This was a stupid, stupid idea. "If you're not interested, I understand."

"I didn't say I wasn't interested," Katara said quietly. "Just that you don't owe me. I-I wouldn't mind having dinner with you. Just...you know, not as an obligation you think you owe me."

"Oh..."

Oh!

"What if it's not an obligation?" Zuko asked. "What if-I'm asking because I think you're kind and pretty and I'd like to get to know you better?"

Katara went silent for what felt like a nerve-wrackingly long time, but was likely just a few short seconds. Then she said the three sweetest words Zuko thought he'd ever heard.

"It's a date."

[that-punk-adam]

This is not at all a new take on life here in the US of A however I feel as though I will peel my skin off if I don’t say it;

People are seeing death as a valid option to the current state of the world + the future and now I am fully understanding why.

There is no more ‘village’. There are no reliable social safety nets installed that are realistic or easy to access. You H A V E to drive EVERYWHERE if you’re even able to drive. If your area has a bus it has to fight on the road with every other driver. To get 9 miles away from point A to B takes 2 hour out of your day. No one is hiring or they are paying minimum wages for you to run their whole circus operation damn near by yourself. Average 1 bedroom apartments are $1.1k a month for 500 sqf and if you SOMEHOW get a roommate and get them to agree to split rent and utilities then y’all are going to battle for personal space. A 2 bed is out of the question bc there is no way in hell that you can save anything if you are spending more then half of your wages on rent. You want to go out and have a sense of what it means to be fulfilled as a human? Don’t even dream about it, you have your bills coming up.

Get a second or 3rd job? Wait… you were able to find one? They didn’t ghost? Lucky you; now you are better off & you can now sleep knowing that the 2nd job will be able to pay for the gas ($3+/gal), insurance (3X what it used to be but still making you open up ur wallet before they step in), and your car note! (Wayyy too much for a used).

What is fun? What are get togethers? What is a ‘cheap meal’? What’s a bucket list? What’s a vacation? What’s a hobby? Wait, you can afford to replace items and not get anxiety over it? You can afford more then an arm full of groceries?? Will you be able to retire by the time you’re 60 with enough money in the bank to not just exist, but to do the things you’ve always wanted to do during those working decades? What will elder and death care look like? Will your children be able to not live in poverty?

We as young people are seeing death as a valid option because we know we will NEVER see an adult life like those before us prior to the 90’s. Starting a family or adding on to your family will put you in poverty. Buying a house if you’re fortunate enough will put you in poverty. Renting will put you in poverty. Working more jobs will put you in poverty. Having a car will put you into poverty, not having one will keep you from ever getting one. We will just work and work to never ever have anything to show for it. This is not the lifestyle that I’d doom more life to do for the rest of their lives. Something’s gotta change sooner rather then later and it’s gotta be grass roots. We have to be willing to break some rules to get to where we need to be.

Things. Must. Change.

[promtad]

Affordable Car Insurance Quotes - Compare Rates & Save

Are you tired of shelling out a small fortune for your car insurance coverage? Don’t worry, you’re not alone. Finding cheap car insurance quotes can feel like an uphill battle, but with the right strategies, you can secure the most budget-friendly premiums and make the most of your hard-earned money. In this comprehensive guide, we’ll provide you with the insights and tools you need to compare…

[mcalhenwrites]

Please boost if you can't help financially, thank you!

So here's the deal: My mom is getting a new car (used but new for her) and has a car that I could buy off of her. It's not the best and I can't afford it yet (alongside tags/taxes/insurance), but it's the only option I have. Buying a car anywhere else is either going to be extremely expensive, or I'm getting something from a stranger without knowing the car's issues. Three different people are giving me rides to doctor's appointments, errands, and work. I work two towns away. I have a book for sale. It's called Geckos, Automata. If you like urban fantasy with queers, automatons, necromancy, and the discussion of generational abuse and trauma, check it out!

Even if you've bought the book and want to help out, there are other ways as well! I have two tiers available on my Patreon: $1 and $3 If you like my writing already and want to support me, even $1/month is incredibly helpful! I've also got a Ko-Fi, with a car goal set already. You can send whatever amounts you like. I also will take art commissions, but they're just sketches and would be $15 per character, +$10 for an additional character. (Limit of 3 characters total.) You can ask me more about it if you're comfortable. Thank you so much whether you help out financially or boost this. It will help me out immensely, and it'll ease the strain on the three people who are giving me rides everywhere. I'm doing my best and working on writing, but I am disabled and struggling a lot financially despite all the different jobs I juggle. (And if I can't get rides, I can't even go to work, I can't get money. No, I don't have public transportation in the country.) I'm pretty desperate but I'm willing to work for my wages, and I'll work on publishing more stories. If you do want to check out my writing, I do have free original stories as well as fanfic up on my AO3.

[mildoccultism]

Please Help a Struggling Queer Family

Hi all, I'm not normally one to make any type of post on Tumblr, let alone one asking for help. But my family really needs assistance, and I'm not sure where else to turn to.

I work full time to pay for me, my spouse, and our pets to live. My spouse got hurt at work a few months back and we have been fighting the insurance company they were insured through to cover the injury. The process is taking much longer than we thought it would, and now with only one source of income I can't keep up with the bills and rent anymore. Our landlord is upping our rent (they know the situation we are in) and I can't afford to pay for my car loan, my car insurance, or any housing.

My account was pushed into the negatives as it is just to get through the beginning of June. And now I can't climb out of the debt from the overdraft fees the bank keeps charging me. I can't physically pay for us to live, and we will lose our home before August comes.

Please, I'm begging, if all you could offer is a penny, or words of kindness or a reblog, I would greatly appreciate it.

I can offer services in exchange as well, I'm a college student working towards my bachelors in anthropology, so I have lots of experience in research, writing, communications, etc. If there's even an email you need written or a phone call you need made, I'll do it. No matter how simple or complex the task is, I can absolutely help in whatever way possible. I used to make DnD campaigns, write short stories, and I worked full time as an administrative assistant, keeping track of personal records and appointments, etc. I have an entire resume I can send!

Please, my family needs help, and I've applied to every possible assistance program there is available to me, I'm out of options. Just a reblog would help me greatly. All I have is Cashapp, I don't know how to work Ko-Fi or PayPal. Please message me if you can help. Or donate if your able to. Thank you all so much!

[ranticore]

inspired by a post by @/serpentface of a concept that captivated me, i'm going to present the much anticipated, much requested, "what cars my characters would drive, bearing in mind their economic status and assuming the year is 2024" post

we can start reallyyyy easy because for Bowman there's no other option:

An ep3 Honda Civic. Is it a type-R? nope but it's got vtec bro!!!! it's surprisingly practical and the wheels are kerbed to shit. there's fluffy dice. there's an aftermarket spoiler on the back and a halfords special front splitter. He's of the opinion that girls don't know the difference between a hot hatch and a grandma's car so this works as well as the expensive one. i think his driving style is best described as 'life changing'. for better or worse.

Senca:

unflinchingly practical. the car that can do it all. a 2010 1.6 TDI Skoda Octavia with roof rails. it's not about speed or looks and it's not even about transport, really, it's about looking superior because nobody else's car can fit the contents of an entire house inside. and then looking less smug when someone pulls up in a Volvo V50. the type of driver who can't fucking stand it when other people break the rules of the road but when she does it, it's fine. because she's a "good" driver.

Léa:

2004 Hyundai Coupe 2L. Yes bitch it looks fast!!!! IS it fast? No, but the better coupes from the same era did not depreciate so much in value and aren't affordable. in Léa's hands it's like a rocket ship. The indicators must be broken though because nobody has ever seen them in use. She spray-painted the wheels herself.

Islin:

a step-through road bike WITH panniers. cars damage the environment and the thought of contributing to that is unconscionable. doesn't wear a helmet anyway. dichotomy of ocd

Helena:

Porche Cayenne. Mostly someone else would drive her around but every so often she wants to get behind the wheel and start tailgating aggressively, just for the thrill of it. She replaced the stock lights with retina blaster 9000s and is always about 1 inch behind your back bumper, full beam on. Red lights are for other people. She ran over a child once because she wasn't looking and blamed the parents.

Jean-Baptiste:

Caterham 7. The one made up to look much older than it is, and he ordered it in kit car form and built it in his garage. I've always insisted that Jean would be massively into motor sport if he happened to have been born when that was a thing. He didn't follow the manufacturer's instructions because he felt that he knew best so his car is very unsafe but makes far more power than stock. It's not road legal but you will find it on the road nonetheless.

Erica:

Oh? You've never heard of it? You've never seen a man look so smug in your life. He shuts the silent-close door and explains that he traded in his Tesla model 3 for a BYD Seal because Tesla was becoming "too mainstream" and there were too many of them on the road.

Félix:

1998 Mercedes Benz E Class. Yeah it cost him £700 on Autotrader, but what's important is that it cost £60,000 when new. This is a good car. This is a luxurious car. It has heated seats - they don't work, but if he wanted to fix them he could. It has an overflowing ashtray from the previous owner and there's not a single thing that goes right on it but it makes him look adjacently wealthy, and isn't that the point? The poppy helps him look more sympathetic to elderly people (scam victims). Number One Most Likely To Attempt Murder-Suicide By Automobile. You've never seen a man look so divorced.

Carmen:

For her i just sorted price low -> high and picked the cheapest running car. And it's a Fiat Bravo! Notorious for earning a zero star euro ncap safety score and exploding into scrap if it hits a kerb. Carmen can't rely on her parents buying her a first car or paying insurance so she has no choice but to scrape the bottom of the barrel. She thinks it looks nice though.

Pascal:

was there any doubt.

Nico:

Beat up 1999 Discovery permanently attached to a horsebox. It is always filthy and somehow filled with straw and dog hair even though he doesn't own a dog, that's just what seems to happen to these cars. The heating doesn't work anymore but other than that it's fine, does the job. Drives with what can only be described as malicious compliance to all rules of the road.

Cain:

a Lada Niva. Why the hell would you ever need more than this. Electronics? No thanks. You're lucky it has gears. Cars peaked in the 1970s and anything built after that is just a piece of ridiculous frivolity, a toy for children. Here is a real workhorse. It costs 20 grand. Probably the only truly good driver here.

---

Sir Heaven:

Please for the love of god stop making him drive the Revuelto he doesn't want to do it anymore it's too scary

Sir Victory:

2003 Seat Leon Cupra R, with decals that make it seem very impressive and like it might actually be a racecar, but it isn't. It's made of rust and the engine sounds sick. It's battered and broken and the subframe is bent from a side-on collision. One day it might crumble away entirely but until then Sir Victory will drive it like he's at Goodwood. A very aggressive driver, mostly due to impatience, and he always wins the red light drag race.

Mercury:

It's a normal Ford Crown Victoria with a tank engine strapped to it. What? His holy calling is building and designing engines, of course this is safe and sane. Kind of a lackadaisical driver, obeys the rules when the mood strikes.

---

And just for fun, random other characters:

Qedivar:

1999 Audi A4. I just tried to imagine the most boring history professor tier car I could think of. It's in good condition for its age but it's never brought anyone a single scrap of joy in its entire life. Nobody smiles seeing this car and to this day Qedivar often fails to pick it out in a car park.

Huarvaa:

The legendary Renault Scenic RX4. It's big, it's 4-wheel drive, and it's a practical MPV. and it looks like it's constantly dipped in some kind of algae or perhaps sludge. Modified with a snorkel so it can drive through deep water. Still really rusty despite the plastic cladding.

Holly:

Rover Metro. It's incredibly spacious!!! Wow! He can't see over the wheel.

Finbarr Ó Casaide:

A Lupo. Literally the perfect car for his needs and he knows he must be conservative in how he goes about things. Yellow colour for the Ó Casaide clan, to show that he really does belong there, promise. A devastatingly precise driver; guns for the tiniest gaps and somehow makes it every single time, without putting others at risk or being particularly reckless. He will get you to your destination 20% faster than anyone else.

Olivier Tanet:

Ford F150, specifically an imported one from the US, specifically driven in a normal-sized place that is not built for stupid american cars (as in the photo). It is gigantic and it's in your rear view mirror 24/7. Helena might be a maliciously careless driver, but Olivier is just malicious. He wants you dead. His truck is part of an elaborate dick measuring contest that he intends to win. Plus side is that it's not a pavement princess, it goes offroad (it does doughnuts in your front garden)

[copperbadge]

Radio Free Monday

Good morning everyone, and welcome to Radio Free Monday!

Ways to Give:

Edminister Engler is a recent widower who has now been diagnosed with cancer; he doesn't have health coverage and is too sick to work, so is raising funds to help find an oncologist and seek treatment. You can read more and support the fundraiser here.

secondalto was in a car accident in February that totaled her car, and she missed work through the end of the school year; insurance was slow to pay out and she didn't get another car (necessary for her job) until last month. Due to the staggered nature of her work, she is facing car and insurance payments, plus gas and other bills, that she won't be able to pay before they are due. She is raising funds for bills and is also offering fic beta services and handicrafts in return for donations; you can read more, reblog, and find giving information here.

songspinner9 linked to a fundraiser for Wren, a young, chronically ill person trying to stay active in their community and studying for a Library Science degree. Insurance will not cover the new wheelchair they need to achieve their goals, so they are fundraising for the wheelchair and power assist; you can read more and support the fundraiser here.

Anon linked to a fundraiser for meowdistract/hauntedrph, a friend with Guillain-Barre Syndrome, which leaves her with limited mobility and weakness. She's offering commissions and raising funds via donation to help pay off debt and treat herself a little for her 30th birthday tomorrow. You can read more, reblog, and find giving/commission information here and there are also links to wishlists and donation options here.

maryellencarter is homeless and has recently moved cross-country to be closer to friends, and has finally been placed in a shelter; they are fundraising to keep their car insurance so they can travel to aid appointments and try to find a more permanent housing solution. You can read more, reblog, and find giving information here.

Beth linked to First Draft Detroit, a Detroit metro region nonprofit intended to replace NaNoWriMo; they're holding their first fundraiser on October 5th. If you are local to Detroit you can buy a ticket to play one of several TTRPGs, plus a silent auction and a bake sale; if you are not local you can still donate to support the org. You can read more, buy a ticket, and support the fundraiser here.

Recurring Needs:

loversdoom has recently been diagnosed with PCOS and needs help to afford the prescribed birth control pills on top of living expenses and dental bills; you can read more, reblog, and find giving information here or give via paypal here.

onedollopofsourcream is fundraising to help support a large family including young children during a difficult time; they particularly need funds for needed medication (including insulin), and hopefully eventually to get out of an abusive living situation. You can read more, reblog, and find giving information here.

chingaderita is raising funds to help their family get back on their feet after a house fire that left them in an unsafe living situation with black mold; their partner has also recently had oral surgery and many family members are unemployed, and they need funds for clean water, food, and cleaning until the mold can be taken care of. You can read more, reblog, and find giving information here.

memprime linked to a fundraiser for a friend, virtualalternative, who needs help with cat vet bills after their cat had several blockages; you can read more, reblog, and find giving information here.

And this has been Radio Free Monday! Thank you for your time. You can post items for my attention at the Radio Free Monday submissions form. If you're new to fundraising, you may want to check out my guide to fundraising here.

[boreal-sea]

"In a move last month that received little fanfare, the Biden administration finalized a rule that would give states the option of adding adult dental insurance coverage as part of their Affordable Care Act plans. In another attempt to bolster dental coverage, Sen. Bernie Sanders, I-Vt. on Friday introduced the Comprehensive Dental Care Reform Act of 2024, a bill that would expand dental coverage through Medicare, Medicaid and the Veterans Administration and increase the number of dentists, dental hygienists and dental therapists nationwide." -USA Today

VOTE

[just-horrible-things]

'Verse: BBU

PSA: Stop taking your human pets to the vet!

Human pets are biologically human. It's right there in the name. When they are sick they need to be seen by a human doctor. 

Don't bring them to your local vet! I am more qualified to treat an emu than a human pet, and I'm not a specialist in birds or exotic animals. 

We learn about the common ailments of all kinds of animals in veterinary school because you never know when someone's going to bring you a critically ill sugar glider or a deer they hit with their car and as a generalist I'm expected to at least be able to provide the very basics before a specialist can get to the scene. But do you know what one animal we don't study? 

Humans! 

Because there's another profession for that and they're called doctors!

Okay, yes, there are optional modules on human anatomy in a lot of courses, and yes humans are mammals and there is some overlap. Don't be a pedant about this.

I am not trained or qualified to treat humans, regardless of their legal status. Don't bring me your human pets. I can't help them, and I don't want to see them. It's a waste of everyone's time, including yours. But especially mine. 

On the same topic, please stop referring to doctors who will treat human pets, and “pet medical specialists”, as vets.

It's insulting to vets, it's insulting to the doctors, and it encourages this misconception that it's okay to bring a human pet to an actual vet.

Obviously I personally think that veterinary medicine is just as challenging and intellectual a discipline as human medicine, but I think you'd be hard pressed to find a doctor who's okay with being called a vet just because they treat human pets. Especially if that's only a part of their business, as it is for many “pet-friendly” practices.

I know people say this as a joke, or because they think it's cute or funny, but it's just a way to distance yourself from the reality that you are keeping a biologically human person as a pet.

If you can't handle that reality, you really shouldn't be owning one in the first place.

While we're at it:

“Pet medical specialists” – also called “Pet health specialists”, “Pet health advisors”, and “Pet vets” – are not real medical professionals. They do not have medical degrees, or veterinary degrees, or nursing qualifications. Calling them vets is an insult to my entire profession. 

And don't take your human pet to a “Pet health specialist”.

They do not know enough medicine to safely make diagnoses or prescribe treatment. It is not safe to take your human pet to these clinics. 

They exist in a legal gray area where they claim to only be giving “health and lifestyle advice”, which is only remotely permitted because human pets lack any effective right to adequate medical care.

If they tried this in the regular medical sector they would very rapidly be prosecuted for practicing medicine without a license. 

So don't entrust the health of your human pet to these people. They're effectively scam artists, passing themselves off as medical professionals to human pet owners who don't understand the difference.

Especially do not rely on these services if you think there is any risk your human pet may have a serious injury or illness. They need to see a real doctor. If you can afford to keep a human pet, you can afford insurance for them that covers actual medical care.

If the problem is minor – like a superficial cut or a head cold – and you absolutely must take your human pet to one of these “Pet clinics”, at least insist on seeing a real nurse. They should at least know enough not to make the problem worse, and enough to know whether an actual doctor needs to get involved.

This has been a PSA from a vet who is sick and tired of being asked to provide illegal or borderline-illegal medical care to the wrong species. Please stop doing this to me. Thanks.