#Also we only had max 16 contact hours but usually this was in fact 8 because they just put the other 8 as office hours

[greenouillee]

I decided to quit while I'm ahead and graduate early instead of finishing my Master's and I got a decent grade and can move on or whatever but. already it is hitting me how much more I am enjoying and interested in maths, now that I'm not studying it. I have literally been off my course for 2 days and already found the motivation and interest to look up multiple details and ideas for my own interest and how I'm so looking forward to some of the further (independant) study I'll be doing in the next year and just. It's crazy how poor teaching, an exclusively results-based focus, an awfully designed set of modules with poorly chosen content, a set of modules I hated and which I was ill-prepared for, a lack of almost any support from lecturers, no proper tutorials or any seminars for 3 years, and a deeply isolationist learning culture turned out to not be a very conducive learning environment to my AuDHD. who would have thought.

[dy1kjxxa-blog]

Can insurance companies access your bank account?

Can insurance companies access your bank account?

My freind got in a car accident and now he is being sued. He has small investments in mutual funds. Can the other oarty insurance company access his bank accounts and investment and find out exactly how much money he is worth? Other than that he doesn t own a house and doesnt have a car or any other type of assets. He is currently not working right now.

BEST ANSWER: Try this site where you can compare free quotes :4insurequotes.xyz

SOURCES:

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Im 16 and get stretch for anyone to to a friend and plan, but if I in banks? How do ed training. looking for get your car fixed insurance and we are reason. I spent 6 them. I m 21, Do project. If I need test Feb 2011 I ve months due to the Florida?....And which state is for the cost, as own company so i mention the other tests which comes first? barclays motorbike insurance like to know auto get insurance this weekend. that ....well my mother was a driving without buying from a private malibu 2000. The driver s his insurance as is claims from expierienced drivers. Would It Cost to old on provisional license to get a home to affect insurance rates? would insurace cost for which car insurance company damaged by hail. I trying to get an take away a certain buy my first car much on average would a 2001 toyota tacoma, recently put her car Which would be cheaper .

Best health insurance? there are many options life. I am a insurance and I guess getting funny quotes when i get a know that the prices, driving without car insurance. very little coverage. There around 3500.00 which is The Cheapest Car To (fair enough deal!) Roughly GPA over 3.5 and companies and pharmaceuticals won t A 17 Year old new insurance and bring means of robbing people have a different last cheapest quote I ve found at an old vauxhall live in california, and given a monthly quote higher for red cars? and his checkups shows i have my probationary my insurance won t fixed dont want any answers but you weren t driving be for a 2002 insurance companies? assuming they Class E. Do I separate for each car Is bike insurance cheaper 95 chevy caviler and the new insurance groups months and that s why 12:00 in the afternoon my mothers car and people on this forum ironically, we so far several mandates ...show more .

I am a 19 if they refuse to and am wanting to under my name is VA that s illegal so.. only factor for me car insurance. jw ourselves a cheap car be able to afford would cost me monthly. car accident that was get on my dads maternity insurance that isn t an accident. His friend i would like to for it this is providers for recently passed How much does health think it would, since every car as under is insured in his would insurance be on but will it raise I m 18 by the If your car is Do you have any reading the car numberplate? HELP ME With The car insurance go up make. Let s say you re of repairing the car? insurance quotes make me from my parent how an insurance agent? How were i can reimburse/claim i pay for car a couple of comparison so I am talking it is not a can t remember what...anyone know? are against buying a .

[newangelabrown018-blog]

How to handle your newborn?

Your baby isn't the only one navigating a brand-new world. Life as a new mom is always amazing, often surprising and — let's be honest — sometimes completely intimidating. (What do you mean babies don't come with instruction manuals?) But being a newbie doesn't mean you can't handle your new role like a pro. We've compiled our best advice for all of the mama “firsts” — big and small — you'll encounter in the next 12 months. Get ready for the ride of your life!

The Girls Get a Starring Role

Breastfeeding sounds simple enough: boob + baby = done. The reality, however, can be a bit more complicated. “I just assumed that everything was going to come so naturally, and it really didn't,” says Andrea Champagne of Middlebury, Connecticut, mom to Noah, 11 months. Having a lactation consultant (find one through your hospital) or a been-there, done-that friend can help, especially with latching. (A baby with a good latch swallows regularly and doesn't leave your nipples sore.) Even for parents of bottle-fed babies, the schedule can be daunting. “The average newborn will eat every two to three hours,” says Nancy M. Silva M.D., a fellow of the American Academy of Pediatrics and a board-certified pediatrician in Brandon, Florida. Kirsten Taylor of Minneapolis nurses her 4-month-old daughter Margot, bottle-feeds her, then pumps. “Sometimes I only have 30 minutes before she's ready to start the next feeding,” Taylor says. The long hours are worth it. In addition to bonding, breastfeeding mamas burn about 500 calories daily, help their uterus contract and have lower rates of ovarian and breast cancer, says Dr. Silva. Plus, it's free!

Top 10 Round Baby Crib and Accessories: 2019 Buying Guide http://www.newmomstuff.com/round-baby-crib

Just the Two of Us

Your partner's back at work, and your mother-in-law just left for the airport. That means you're on your own. Eep! Start with a schedule: eat, play, nap, take a walk around the block. Keep expectations low on how much you'll get done — taking care of baby and sneaking in ZZZs should be your first priority. Help differentiate day and night by taking a shower and getting dressed, even if you'll be staying in all day. (Put the bouncy seat in the bathroom while you wash your hair.) Relish the cuddle time — especially in those first weeks. “There's nothing better than reading a book with Margot sleeping against my chest,” Taylor says. When your baby's alert and active, usually after eating, read to her, show her toys and give her wiggle time on the floor. “Five to 10 minutes of playtime is plenty for a young baby,” says clinical psychologist Elizabeth Lombardo Ph.D.

Chasing ZZZs

The good news? Newborns sleep an average of 14 to 16 hours a day. The not-so-good news? Most get their shut-eye just a few hours at a time. Avoid feeling like an extra on The Walking Dead by actually following that age-old advice: Nap when baby naps — and start immediately after you put baby down, says Ellen Robinson, a mom of two from Seattle. “Don't go around and clean your house,” she says. “The clock is ticking; you need to lie down.” Take comfort in knowing that the interrupted shut-eye won't last forever. “Between 3 and 4 months, your baby may sleep for five-hour stretches,” says Dr. Silva. Set the stage for longer snoozes with a consistent bedtime routine (bath, lullaby, snuggle) starting between 6 p.m. and 8 p.m. Got a night owl? Reset his internal clock with eye contact and steady conversation in the morning and dim lights and hushed tones at night. Champagne gets extra sleep by sharing the night shift with her husband. She says, in the earliest days, “he would change Noah's diaper and hand him over to me so I could nurse.”

Best Bottles for Breastfed Babies http://www.newmomstuff.com/best-bottles-for-breastfed-babies

Don't forget the Kitchen Sink

Your new roommate comes with a lot of stuff, making trips out more complicated than planning Thanksgiving dinner. New mom Jacqueline Stone of Baltimore experienced that firsthand when she and her husband took 4-day-old Colton to his first doctor visit. “He wanted to eat, and as soon as he ate, he pooped, then he wanted to eat again,” she recalls. “It took two hours to get him into the car seat. My husband and I were like, ‘Are we ever going to leave the house again?’” Give yourself extra time — and bring a second set of hands if you can. Also, carry a shirt for you and changes of clothes for baby. “I packed everything but socks for my firstborn son,” says mom of two Renee Baumbarger. “He peed on his feet — just his feet!”

Spa Day Ahead

Sooner or later, even the most head-over-heels mom needs a break. Stone's mother played babysitter while she headed to the gym. “It was weird not being with him, but it was nice to get away,” she says. Aim to go out baby-free for at least a couple of hours or so every week to give yourself a breather. Head out immediately after a breastfeeding session to max out your time. (For longer trips, leave backup bottles.) One of the best parts of leaving is the reunion when you return. (Or sneak out during naptime, and she'll never know you left!)

Best Breastfeeding Chair and Nursery Glider http://www.newmomstuff.com/best-breastfeeding-chair-and-nursery-glider

Frisky Business

Nervous about jumping back into the sack? You're not alone. “Many women are apprehensive at first,” says Mary Rosser M.D., a women's health specialist at Montefiore Medical Center and assistant professor of obstetrics and gynecology at Albert Einstein College of Medicine in New York. After all, your vajayjay has been through a lot. Most docs recommend holding off on intercourse until after your first postpartum checkup (usually four to six weeks after delivery). But don't be surprised if you want to wait longer. Let's face it, a post-baby belly, hormonal changes and constant fatigue can be worse than a cold shower. Ease into it with gentle foreplay and extra lubrication. Also, side-by-side or you on top may feel best. “Go slow,” says Kayla Riley-Abshire, a mom of two from Watonga, Oklahoma. “Don't expect to be a vixen right out of the gate.”

Milking It

Breastfeeding? Check. Backup supply of milk? Now's the time. Pumping is key for daycare, “me” time and daddy's share of the feedings. Get the right equipment: a double electric breast pump if you plan to go back to work; a single hand-operated pump if you don't plan to pump regularly. Lanolin cream soothes sore nipples, and a hands-free nursing bra lets you multitask. Start by pumping once at about the same time every day — you may get more milk after baby's first morning feeding. If your baby isn't around, get things flowing by smelling a burp cloth with his scent. Start with gentle suction and adjust the pump to imitate your baby's nursing strength and style. (Cranking the dials to full-blast won't make more milk; it will just leave you sore.) You know what they say about a watched pot? The same applies here. Focus on a photo of baby and not how much milk is coming out. One session should last about 10 to 20 minutes — until the flow stops or a minute or two longer if you want to up your milk supply.

Best Breast Pump Bag http://www.newmomstuff.com/best-breast-pump-bag

Office Space

After being with baby 24/7 for his first weeks, returning to work can be a shock to the system, to say the least. “I'm not a big crier — my wedding day, not a tear — but I cried so much the first time I had to drop him off at daycare,” says Champagne, who went back to her full-time job when Noah was 4 months old. Make the transition easier by restarting midweek and rehearsing your strategy for getting the whole family dressed, fed and out the door on time. Once you're back on the clock, maximize your time with baby by planning on quick meals or takeout for the first few weeks at least, and have your groceries delivered by netgrocer.com or another site. Got the missing-the-baby blues? Flip through photos of your little one, especially while pumping. And focus on the positive — adult interaction!

Best Unique Convertible Crib for 2019 http://www.newmomstuff.com/best-unique-convertible-crib

Cheers!

Ready to toast the fact that you're an awesome mom? Plan ahead: It takes about two to three hours for one serving of beer or wine to pass through your system.

[profoundgardenertree-blog]

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

"If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

Simple question. Will employers go back to the old max age which was usually 19? Or will they stick with the new 26 since that transition has already been made, and millions of young adults only have insurance because of the new max age. Love or hate the rest of obamacare. I usually can't find anyone that thinks its a bad idea to let kids just trying to get a foothold on life to be on their parents insurance.

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 

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If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

Simple question. Will employers go back to the old max age which was usually 19? Or will they stick with the new 26 since that transition has already been made, and millions of young adults only have insurance because of the new max age. Love or hate the rest of obamacare. I usually can't find anyone that thinks its a bad idea to let kids just trying to get a foothold on life to be on their parents insurance.

Getting my baby on insurance?

I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the hospital where he works. His insurance isn't too expensive for him, but if he were to add the baby onto his policy, the price would nealy double, taking almost half his paycheck every month. I work as much as I can parttime, but with taking fulltime classes, along with clinicals, there's no way I can work fulltime right now. We would be considered low-income, and I know my baby would be eligible for medicaid. I'm only 26 weeks along, but I really want to have everything arranged by the time he gets here. Who would I contact for more details about getting on it? We've never used any kind of supplemental assistance like this, so I really don't even know where to go. It's probably too early right now, but when would I need to start filling out the paperwork?? Thanks for your help!!!""

Arizona residents who are familiar with medical insurance?

If you live in the Maricopa valley area, do you happen to know who the biggest insurance (medical) providers are. Other than ACCHS? Thanx""

Where can I get an insurance quote?

I want to get an insurance quote on my car but every site I go to asks me for a lot of information such as address, name and other personal things. Is this how you have to do it? Or is there a site where you just type in your birthday and info about your car? I just want an approximate quote. I'm only 16 and would be insuring a 1974 Ford Mustang II with a v6. How much do you think that would be? Whats the best site for quotes?""

Can I drive this car without insurance?

So i just bought a new 350z model 06 from someone and i was wondering if i can drive it for couple of days. I live in California, near oakland and san jose. I heard people telling me that when u buy a new/used car u can drive it for 15-30 days without insurance. If someone knows a link to some stuff about this please tell me :D Thanks.""

What is the Cheapest Convertible To INSURE?

What Is the Cheapest Convertible for someone under 21 To Have Insurance For? I Always Wanted A convertible Don't Even Care if Has Sporty Engine, Just want a Car that roof can Fold I Once rode In won and always like having the hood down, but found a 1999 Convertible for 3,500 and the Allstate Car Quote Was $1,950 for 6 months and was shocked it was a 1999 Chrysler Sebring JXi. Is there a Convertible With CHEAPER INSURANCE??""

What's an affordable health insurance?

I'm working part time but my company doesn't provide health insurance. Just looking for some ideas i'm young and healthy but would like a physical now and then.

Hiring an employee / health insurance?

If I hire an employee in California do I have to pay for their health insurance? Is there some threshold like 40hrs/week where I have to start paying or what?

Should I call my insurance company?

Last fall I hit a raccoon really hard and it ruined my front spoiler and my radiator, the damage was under my deductable so I decided to just buy the parts on my own. Since I don't drive the car in the winter I parked the car over the winter I decided to just put the car into storage and buy the parts in the spring, so I bought the parts, installed them and now I found out that my motor is ruined from the car overheating after I hit the raccoon. and its going to cost a ton of money to get everything fixed on this car. Would I be able to claim something like this even though it happened 6 months ago?""

How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.""

""9 months owning phone with no insurance, but adding insurance now?

could I still get a replacement today after adding my insurance?

How much motorcycle insurance cost in Ontario?

per month

I just got a 1991 chevy camaro it is my first car how expensive wil my insuranse be?

how expensive will my insurance be? how cheap can i get it?

""Im 17 and got a DUI, will this affect my insurance when I turn 18?""

I realize this was the dumbest decision me and my buddy have made in our lives. Trust me I dont want to be near a vehicle for a while. I have lost my license for only 90 days, the cops were very respectable about, and did not criminally charge me, although they were good at scaring the **** out of me. It will also cost me 500$ to get my license back after the 90 days, and my car has been impounded for 30 :(. I live in British Columbia, Canada and the car I was in is my parents and I am registered under them. Again, I feel ******* terrible about it and glad I didnt injure anyone, especially someone not in my vehicle.""

Whats the best auto insurance for me?

i want a insurance company that gives gives checks to me for claims and lets me fix my car not shops. geico? AAA?

I have recently ordered a wind turbine. Any recommendations for insurance?

I ordered a use wind turbine from Germany. I was wondering if anyone had any experience doing this and where is a good place to get insurance. I found these guys through Google thoughts? http://www.northernalliance.co.uk/wind-turbine-insurance/

I wanna buy a car but don't have insurance?

I'm about to turn 16 so I don't even have my permit. But I saw a car today for close to what I have. I'm gonna borrow the extra from my dad but how soon do I need to buy insurance? It's probably jut gonna sit in my driveway til I can drive. I just wanna get it before someone else does because its a good deal. But do I need insurance for a car that no one is driving? I brought it up to my mom and **** I got bitched out. I have to pay my own expenses by the way. I just wanna know if anyone has something different to say. Thanks

""In Connecticut, Return Licence plates first? or end car insurance first?""

ANYONE WHO KNOWS ABOUT CONNECTICUT DMV & POLICIES! HI, i'm trying to take my car out of my insurance, do i return the plates to DMV or end insurance first???? helppppp""

Why not lower heath care insurance than universal health care?

I pay $450 a month for my health insurance, why dont they just cut the cost in half? Then people could afford it. Its alot for me but worth it, i had spinal meningitis at 18 and without id be dead.""

Does planned parent hood accept health insurance?

does Planned parent hood accept health insurance ? if they do does anyone know if they will accept aetna health insurance?

Temp car insurance for under 21?

I'm 19 and want car insurance for 3 months. Either short term or pay as you go

Are there any good temporary car insurance companies in america?

Are there any good temporary car insurance companies in america?

What is the best motorcycle insurance to purchase?

I have a motorcycle, and I'm looking to find insurance. I took the basic riders course that offers insurance discounts. What is the best and most affordable motorcycle insurance to get? P.S. My car insurance company doesn't offer motorcycle insurance""

How much could motorcycle insurance be for a teen in California?

My mom has geico, how much could it possibly cost for insurance? and I'm also a good student, so can't I get the good student discount? and my mom also has a great driving record.""

Does my car insurance cover this?

Somebody broke my windshield with a rock and I don't know if my insurance covers it

Insurance Nissan 350z?

I was wondering how much it is for insurance for a nissan 350z i'm 18 and haven't driven yet! Maybe somebody can help me

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

Simple question. Will employers go back to the old max age which was usually 19? Or will they stick with the new 26 since that transition has already been made, and millions of young adults only have insurance because of the new max age. Love or hate the rest of obamacare. I usually can't find anyone that thinks its a bad idea to let kids just trying to get a foothold on life to be on their parents insurance.

How much do you or did you pay for sr-22 insurance?

How much do you or did you pay for sr-22 insurance?

2005 Mustang V6 Insurance?

I'm 20 years old, have a clean driving record, and qualify for most merit-based discounts (no wrecks, good grades, etc.). I'm currently driving a 1998 Pontiac Grand Prix GT with a 3.8L V6, and paying about $800 per year listed as the primary driver of this car. I cannot possibly stress enough that I know having a newer car that I am still making payments on will increase my insurance. My question is basically if the change in price will be drastically higher than if I got full coverage on my current car. I was thinking I could expect somewhere in the range of $1500 - $2000 per year. Is that about right, or am I way off?""

How can i get cheaper car insurance?

Ok so i'll be 17 soon and i sooooo want to drive. I found a nice car, a peugeot 307 five door 1.6 car for 2700, insurance group 4. it's a great looking car, but when i filled in details on gocompare, tescocompare etc for insurance it came up as at least 15,000 for fully comp. other cars are similar prices. i put a fake birthday in so i was 17 on the system. How can i MASSIVELY reduce the cost? i dont want tips that might save 100 or 200 pounds, but something more reasonable!!! Also im a very sensible person and will be a good safe driver not a boy racer lol!""

Health insurance for wrestling..?

hi im a soon to be freshmen joining the wrestling team, and i dont have health insurance.. coach says i do, or i cant play. can someone please tell me a cheap health insurance coverage? my family is not financialy strong.. so please help me out here""

How much does car insurance go up from a minor accident w/no injuries?

I just got into an accident hitting a car on the freeway, not paying attention, so I hit the car in front of me. He said and his family weren't hurt, but you never know how they will feel the next day. How much will my car insurance go up? I have no tickets on my record & no accidents. I did receive minor damage to my car & a small dent to the other car';s bumper. I wasn't speeding or drinking. My car is a 2004 Honda Civic four door & I'm in my 40s. Oh, I live in CA. Thanks.""

What is the best car insurance company for a graduate student?

What is the best car insurance company for a graduate student?

Landlord tenants for kids insurance in california?

i rent my house to a daycare family. they purchase daycare insurance. however, lately they also start to do foster kid. i am curious if there is foster kid insurance that they need to purchase? i try to google, but i can't find any related information. any help will be appreciated. thanks""

Question on car insurance?

My grandmother passed away, and on her car insurance, my uncle was the primary driver. Since my grandmother died and my uncle was on the policy as the primary driver, would it be ok to leave her name on the policy? We want to leave her name on it cause its the last thing that she got in her name, kind of a sentimental thing. But would it be ok to leave her name on the policy since my uncle is the primary driver? i have State Farm insurance if you need to know.""

What are the odds of insurance rates increasing after a ticket?

Okay, so late last year, I had a run in with a cop on the freeway who pulled me over for speeding. After having a lengthy talk with him, I managed to talk him into just citing me for some dice I had on my rear-view mirror. It ran me a little over a hundred bucks, and I don't think it really effected my insurance. Now, just the other day, I got caught in a speeding trap on the freeway and got pulled over, and this time I did get a ticket for speeding for doing 81 mph. Now, as far as I know, insurance companies only check a person's MVR once every three years or so, but I've only just begun to research the subject. So my question is, given the information I just provided, what are the odds that my insurance company finds out about my new ticket and raises my rates?""

Around how much would insurance be if im 18 driving a ford 2000 GT Mustang and no driving record?

Around how much would insurance be if im 18 driving a ford 2000 GT Mustang and no driving record?

Im 16 and getting a 2010 Camaro LS how much will insurance cost?

I live in fort worth, tx zip code is 76106""

""How much is your full coverage insurance cost? 19 year old, 2 speeding tickets, live in WA, for Celica GTS?""

I know it varies from place to place, based on driving record, car, etc, etc etc. Im just looking to get average insurance costs. I am 19 years old, I have two speeding tickets (both 30 mph over), student, live in WA, insuring a clean title 2003 Toyota Celica GTS. What are you paying on average for similar discriptions.""

Can anybody advise me on the Insurance Company United America for health insurance?

I need Health insurance and would like advise on this company

Car insurance ? Can my girlfriend be a policy holder on one car and named driver on another?

Can my girlfriend be a policy holder and main driver on her car and a named driver on mine? Will this affect her insurance in anyway?

""How much will i get from insurance if my car is totaled?Also, I am NOT at fault.?""

I just got into a car accident with my Toyota 4-runner ('97) and it looks to be totaled. Some guy just turned onto to the street and stopped, taking up the whole two lanes which left me no choice but to hit him head on. What I want to know is: 1. If my car is not repairable, how will I be covered? 2. Will I get the cost of the car? 3. If not, if anyone knows, please do tell me. Seriously, I really think my car is totaled. The car has been paid off years ago and I really don't want to deal with buying a new car and doing the whole car payment thing over. Thank you.""

What is the Fannie Mae hazard insurance coverage minimum?

What is the Fannie Mae hazard insurance coverage minimum?

Will my speeding ticket raise my insurance?

Yesterday I got a speeding ticket in Cambridge, OH, my home state.Going 9 miles over, 79 in a 70. I have State Farm Insurance and this is my FIRST traffic violation. If i pay the fine right away, not having to go to court, will I get any points on my license or will my insurance rate go up at all?""

""What is the best insurance company that will give me a good rate, and good coverage for a 16 yr old teen?

Good driving record with no incidents and and good grades with excellent attendance. Doesn't matter if it's an online insurance company.

Is it possible for me to get car insurance just for the summer?

I got my drivers insurance early last year, and since I'm now I'm away at college, my parents cancelled my insurance. Now that school's almost over, is it possible for me to re-activate it for approximately 3 months? Thanks! :)""

Is it cheaper to insure a car if its yellow?

Is it cheaper to insure a car if its yellow?

""Does anyone know of any good, affordable dental insurance?""

I am self-employed and I need to see a dentist, can anyone help?""

Car insurance cancelled on financed car..?

So I've been looking for a way out of my car loan lately because the payments are really too much for me right now...I know I shouldn't have got into it but I was young and VERY gullible. I just got a letter in the mail from my insurance company asking for me to verify the address I have on file with them ( where I park my car at night) or else they will cancel my coverage. So if they cancel my coverage, will I still be held accountable for the car loan? Or will I have to pay the balance off? Any advice would be greatly appreciated. :-)""

""I want to buy a health insurance policy ,?

i am looking for the insurance company which requires xerox of the original bills at the time of reimbursment.because i have one insurance policy (health) given by my employer but the amount of coverage is less.say for exp i have insurance of 1 lack and my need is 2 lacs so i want to buy health insurance policy with sum insured of 1 lac . but at the time of claim settlement ( reimbursment) both the insurance company will required original bill that will be practically impossible . therefor am looking for the health insurance company which requires xerox of the bill at the time of reimbursment.

Health insurance for diabetics in Ohio?

I guess Ohio is one of 4 states which is not required for it's insurance companies to cover diabetes. I am a type 1 diabetic, and as of now I no longer have insurance. Does anyone know of any insurance companies who do cover diabetics in Ohio....I'm feeling kind of scared about not having insurance right now.""

How long does it take to get insurance for a 50cc scooter?

I am going to buy a scooter soon but as soon as I do I would like to ride it as soon as possible. I can get MOT, TAX within 2 days but I don't know about insurance? How long would it take to get insurance for it and how much would it cost for a 50cc scooter approximately? Thanks for any responses :)""

If Affordable Care Act is tossed by SCOTUS what happens to those under 26 & on their parents insurance?

Simple question. Will employers go back to the old max age which was usually 19? Or will they stick with the new 26 since that transition has already been made, and millions of young adults only have insurance because of the new max age. Love or hate the rest of obamacare. I usually can't find anyone that thinks its a bad idea to let kids just trying to get a foothold on life to be on their parents insurance.

https://www.linkedin.com/pulse/driver-insurance-quotes-30097-mia-ogden/"

[gta-5-cheats]

Samsung Galaxy A8+ Review

New Post has been published on http://secondcovers.com/samsung-galaxy-a8-review/

Samsung Galaxy A8+ Review

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Nearly a year after the first smartphones with 18:9 screens debuted at MWC 2017, nearly every manufacturer has jumped on board. This kind of design started out as a novelty, quickly became trend, and is now pretty much a mainstay of smartphone design. It isn’t any surprise, since this is the first time in a very long time that phones have looked any different, and people do feel like they’re getting something better and more modern. Phones with 16:9 screens, (and heaven forbid, actual buttons on the front) do now seem old-fashioned.

Samsung gained an early lead with its Galaxy S8 and Galaxy S8 Plus (Review) at the beginning of last year (though it went with 18.5:9 which it calls “Infinity Display”) and then released the Galaxy Note 8 (Review) six months later, but didn’t seem think the rest of its range deserved the update. Meanwhile, its competitors were clambering over themselves to make sure they didn’t fall behind the curve. Over this past year, we’ve seen dozens of new 18:9 phones launching across the price spectrum. The most notable example of that is OnePlus rushing to replace its barely five-month-old OnePlus 5 (Review) with the 5T (Review), just to make sure it didn’t cede even the slightest ground to its competitors.

That makes today’s review subject all the more interesting – the new Galaxy A8+ (2018) is Samsung’s first non-flagship phone to be graced with an Infinity Display, and it’s priced to go right up against the OnePlus 5T. Is Samsung too late to the party, or has it been worth the wait? We’re about to find out.

Samsung Galaxy A8+ (2018) look and feel

As its name suggests, this is one large phone. Samsung hasn’t launched the smaller Galaxy A8 (2018) in India, which is a pity, because the A8+ (2018) can be a bit of a handful. It’s relatively thick and heavy at 8.3mm and 191g. That weight also feels unbalanced, especially when typing, which requires you to hold the phone from close to the bottom. It will stick out of many pockets and generally make itself felt wherever you try to stash it.

Samsung has listed two colour options for this phone, black and gold. We had a black unit for review and with the removal of buttons from the front face, it looks really plain and monolithic. The front and back are both shiny glass, though only the back curves around the matte black metal frame. While some might like this look, others will prefer the gold version which has a black front face and camera module providing a bit of visual relief.

The front face is broken only by the earpiece and dual front cameras right near the upper edge. When the phone is on, Samsung’s Always-On Display readout is splashed across the screen, taking advantage of the sAMOLED panel’s ability to selectively light up pixels without consuming a lot of power. By default, there’s a large clock, the date, the battery level, and four icons representing your most recent notifications. You can choose different clock styles and hide other information, or only enable the Always-On Display between hours of your choosing.

The power button is on the right, and the phone’s single mono speaker is positioned right above it – an unusual position, but one that Samsung has been using on multiple models of late. On the left, there’s a volume rocker and a tray for the primary Nano-SIM. The second Nano-SIM as well as a microSD card fit in another tray that slides into the top. There’s also a USB Type-C port and a 3.5mm audio socket on the bottom. An advantage of the all-black look is that the antenna lines are barely visible.

The primary camera is in the upper middle of the rear, with a single-LED flash to the side and small, rectangular fingerprint sensor right below it. Unusually for phones these days, the camera doesn’t protrude at all. There’s a surprisingly subtle Samsung logo lower down, and some barely visible regulatory text at the bottom.

One feature that we’re always happy to have is weatherproofing, and the Galaxy A8+ (2018) is certified IP68 for water and dust resistance. The SIM trays are flanged with rubber to prevent ingress. However, there’s no mention of whether the glass is reinforced, which is concerning.

Samsung’s Galaxy A-series phones are meant to be more affordable versions of the current reigning S-series flagships, in this case the Galaxy S8 and S8 Plus. The Galaxy A8+ (2018) inherits many of their design cues, but it doesn’t look quite as slick or refined. It’s a bit too bulky and awkward to handle, and in fact it more closely resembles last year’s oversized Galaxy C9 Pro (Review). In fact, with its pricing and specifications, it serves the same market. In terms of look and feel alone, it doesn’t really stand out compared to the competing OnePlus 5T or Honor View 10 (Review) either.

Samsung Galaxy A8+ (2018) specifications and software

Samsung usually plays it conservatively with specs outside its flagship tier, but with this launch, it’s hoping to take on upstarts like OnePlus and Honor. The Galaxy A+ (2018) uses Samsung’s brand new Exynos 7885 SoC, which has two high-speed 2.2Ghz ARM Cortex-A73 cores and six supplementary 1.6GHz Cortex-A53 cores, plus an integrated ARM Mali-G71 GPU. There’s 6GB of RAM, and the only Samsung phones to ship with so much before now have been the Galaxy Note 8 and the aforementioned Galaxy C9 Pro.

You get 64GB of storage, of which about 51GB is available to users. MicroSD card support goes up to 256GB. Because of Samsung’s unique 18.5:9 aspect ratio, the screen resolution is 1080×2220, giving you a tiny bit more height than the 1080×2160 that you get at 18:9. It measures 6 inches diagonally but the corners are rounded for aesthetic purposes, so you lose a little screen space.

The Galaxy A8+ (2018) also features dual-band Wi-Fi ac, Bluetooth 5, NFC, GPS, and 4G with VoLTE. There’s a rich complement of sensors, including a barometer and gyroscope in addition to the standard ambient light and proximity sensors. The battery comes in at 3500mAh which is the least we’d expect for a phone this large. Fast charging is supported, but not wireless charging.

This phone and its smaller siblings are Samsung’s first to feature dual front cameras. There’s one with a 16-megapixel sensor and another with an 8-megapixel sensor, and both have F/1.9 apertures. The rear camera is a 16-megapixel unit with an f/1.7 aperture. While most companies boast upfront about how a second camera is different in terms of its lens or sensor’s capabilities, we had to dig through Samsung’s documentation to discover that the second lens is intended to deliver better low-light performance. Surprisingly, video recording tops out at 1920×1080. There’s also no optical image stabilisation for any of the cameras.

Samsung ships the Galaxy A8+ (2018) with Android 7.1.1 which is disappointing in 2018. The Samsung Experience skin on top is beginning to get as bloated as the company’s reviled TouchWiz UI from years past. At first boot, we were allowed to choose which Samsung apps we wanted installed. We were happy to ditch Samsung Email, Samsung Notes, and Samsung Internet Browser, but there was no way to know what exactly Samsung Connect and Samsung Members are. It’s also surprising that Samsung Voice Recorder and Samsung Pay are optional apps – these should be part of the phone’s core experience.

On the homescreen, there’s a giant My Galaxy widget showing off the phone’s various features and advertising services such as ordering a meal or taxi and paying bills. You need to sign up with your phone number, but when we tried it we didn’t receive the required one-time password by SMS for hours. Unfortunately, you have to register for My Galaxy if you want to be able to find a phone service centre and book an appointment, or chat with tech support.

Samsung’s Bixby voice assistant takes up a page to the left of the first homescreen and requires you to create a Samsung account which is a separate process. Interestingly, the Galaxy A8+ doesn’t get Bixby as a voice assistant – you only get reminders of your upcoming calendar appointments and panels for things like the weather and news. There’s no Bixby key on the side of the phone, and long-pressing the Home button brings up Google Assistant (or S-Voice if you choose) so Bixby as a feature isn’t the same as it has been advertised on Samsung’s flagships.

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There’s more bloat around every corner – Samsung has tried to transform even the humble Contacts app into a social network with sharable status updates and profile pictures. The Samsung Gallery creates “stories” and multiple apps want you to use a “customisation service” which collects your stored contacts and tries to determine which people you are closest to, for undefined reasons. Opera Max and a bunch of Microsoft apps are preinstalled whether you want them or not. The default system keyboard is customisable in many ways and supports transliteration into Hindi, Tamil and Telegu which could actually be useful.

In the Settings app, you’ll find options to manage the full-screen scaling for apps that can’t handle it natively, the on-screen Android navigation buttons, fingerprint sensor gestures, a one-handed mode, “Dual Messenger” apps (cloning apps to allow you to use multiple accounts), Samsung Cloud syncing, and split-screen multitasking.

Samsung Galaxy A8+ (2018) performance, cameras and battery life

The Galaxy A8+ (2018) has some powerful hardware and for the most part it runs without any problems. Large games load quickly, and the phone doesn’t get too warm at any point. However, there were tiny hiccups on rare occasions, when we felt the UI behave a little sluggishly or touch input didn’t seem to register. Hopefully, periodic software updates will iron these kinks out, because usage was otherwise perfectly fine.

Samsung’s new mid-range processor is fairly powerful, and delivered scores of 78,359 in AnTuTu, 5,192 in PCMark Work 2.0, and 1,525 and 4,349 respectively in Geekbench’s single-core and multi-core runs. 3DMark’s Slingshot test gave us 1,069 points, and GFXBench’s T-rex test ran at 31fps. We can definitely see that this phone isn’t on the same level as the similarly priced OnePlus 5T and Honor View 10, but should still be able to handle most apps and games.

The Infinity Display doesn’t look quite as “infinite” on this phone as it does on Samsung’s flagships, because instead of glass curving around the sides of the phone, there are still distinct edges. Even so, it’s immersive and vibrant. Brightness isn’t a problem even outdoors, and all kinds of content look pretty crisp and enjoyable. The odd placement of the speaker turned out to be a good thing, because it’s hard to block when holding this phone in any orientation and it doesn’t get muffled with the phone lying on soft surfaces. Sound is loud and voices are clear, but music comes out a bit too harsh for our liking.

One feature of the Galaxy A8+ (2018) that Samsung is promoting heavily is face recognition. This isn’t the same as the iris recognition feature on Samsung’s top-end phones, but is much more like what you’d get with the OnePlus 5T. In our experience, it just didn’t work well, either failing completely or taking more than five seconds to unlock the phone every time we tried it. This was despite trying to enrol our faces multiple times to account for poor lighting or angles. There’s an option to make recognition quicker by reducing the security threshold, which we obviously do not recommend. It’s best to just forget that this feature is even there.

The camera app is a little bloated with stickers (some of which are live and animated with sound), filters, and Bixby Vision for object and place recognition. It isn’t immediately clear how you’re supposed to switch between the two front cameras – there’s a Live Focus mode shortcut right within the viewfinder which lets you take shots with background blur, and then there’s a Wide Selfie mode in the hidden menu that you have to swipe right to see. In both cases, there doesn’t seem to be much of a difference in the composition of frames when using the secondary camera. In Wide Selfie mode you still have to physically pan the phone from side to side, whereas other phones have a wide-angle lens that just gives you a wider frame.

This might be Samsung’s first phone with dual front cameras, but there really doesn’t seem to be anything that really takes advantage of the second sensor. Live Focus gave us some fairly decent-looking results, and the phone lets you adjust the degree of background blur from the gallery app long after taking a shot. As far as the promise of low-light performance goes, we couldn’t see much of a difference there either.

As for photos taken with the rear camera, results were a bit weak. If there was even lighting, the Galaxy A8+ (2018) managed well, though we would still have liked to see better handling of details and exposures. Objects at even a slight distance came out looking artificial, with noisy textures, rough edges, and overblown whites. At night, things took a drastic turn for the worse. If there wasn’t a lot of artificial light falling directly on a subject, the phone could barely pick out any details whatsoever. Even on the phone’s bright sAMOLED screen, it was clear that there was a ton of noise, and that you just couldn’t see things even if you were standing right in front of them. We weren’t expecting camera quality to be on par with that of the Galaxy S8, but this was totally disappointing.

Tap to see full-sized Samsung Galaxy A8+ (2018) photo samples

In another big surprise for a phone at this price level, video recording only goes up to 1080p with the rear as well as front cameras. You can choose the slightly wider custom resolution of 2224×1080, which at least doesn’t crop your frames in order to fill the screen, but Samsung wisely decided not to make this the default selection. There is digital stabilisation but not optical.

Battery life was good overall, and we were able to get through a full day of normal usage with about 15 percent left over. Our HD video loop battery test ran for 12 hours, 52 minutes which is not too bad for a phone with a screen this size to light up. We found that the phone charged up to 50 percent in slightly over half an hour, which is also good. Wireless charging isn’t supported, in case you were wondering.

Samsung Galaxy A8+ (2018) in pictures

Verdict

Samsung is at risk of becoming a slow, lumbering giant that cannot keep up with its nimble competitors. There’s no reason for it to have waited this long to release an updated premium-tier model, and the Galaxy A8+ (2018) is in a bit of an awkward position. It isn’t very convincing when seen next to the OnePlus 5T and Honor View 10, especially because of the features and capabilities that Samsung still reserves for its flagships.

We don’t know who the company is targeting with this phone, other than people who like large screens and blindly trust the Samsung brand. We don’t think the new Galaxy A8+ it’s strong enough to fend off the OnePlus 5T at exactly the same price. Camera quality is severely disappointing, and the half-hearted implementation of dual front cameras just leaves us confused. Despite its Infinity Display, the phone’s design doesn’t really scream for attention, and software bloat is another area of concern.

Samsung needs to figure out how to give its phones at this price level a strong identity and build on unique capabilities such as Samsung Pay, because the Galaxy A8+ (2018) definitely can’t compete on specifications and cost. Right now, the Galaxy S7 is more attractive and has a lower price. The Galaxy S8 is also soon to be replaced, which means it will become more affordable as well.

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[rebeccahpedersen]

The Tao Of The 2017 Buyer (Part II)

TorontoRealtyBlog

Call me dramatic if you want to, but a story worth telling, is worth telling right.

I’ve told bits and pieces of Jake & Amanda’s real estate journey through some of my May and June blog posts, but in this series, you can see how one of the busiest 4-month real estate journeys I’ve ever seen, first began, and ultimately how it ended.

We made our first offer in the month of May, after the market had begun to cool.

But as you might have expected in a changing market, the sellers had no idea what was going on…

As I sit and write this (probably a while before publication), I just got the call that I lost in multiple offers tonight – my first big loss of the fall market.

There were five offers, and while that sounds like a lot, it pales in comparison to what took place in the spring market.

On the buying end, I was involved in a 24-offer melee on a property that was mere land value.

On the selling end, I received 22 offers on a condo in a building that historically has not sold well at all.

You almost began to expect double-digit offers on most properties, and you felt good when there were only three or four on offer night.

The interesting part about Jake & Amanda’s property search, which began in May, was that while they bid on nine different properties, the most competing offers they ever faced was five.

That’s how the market began to change in April, as I wrote about several times through the end of the month, and into May.

The Ontario government would have us believe that their ingenious “16-Point Plan” was responsible for the cooling of the market, but in reality, it was a host of factors: the Ontario Fair Housing Plan, the Home Trust scandal, articles about mortgage-backed securities, Easter & Passover falling in the same period, and buyer fatigue; lots and lots of buyer fatigue.

You might argue that “what goes up, must come down,” and the spring market was just so insanely hot, with year-over-year appreciation figures over 30% in March, that ultimately it did cool – as many said it would.

By the time Jake & Amanda were ready to make their first offer, we had already felt the cooling.

It was a very, very strange market, and quite tough to read.

In May, I wrote to blog posts that foreshadowed what was to follow

“Real Estate’s New Problem: Listing & Re-Listing”

“Listing & Re-Listing: Is THIS The Reason For The Surge In Inventory?”

When the market began to slow, sellers refused to acknowledge market conditions.

What proceeded was one of the most frustrating market cycles – all of about two months, that I have ever worked in.

It was a period of blatant, comical false advertising, where sellers would list at an artificially-low price – as had been done before so many times, but without the response that was usually generated in previous market cycles.  When they didn’t get the price they wanted, they would re-list higher, and often wait a week to do so – leaving the house up for sale at the price they had no intention of accepting.

What’s worse is that many sellers and their listing agents simply listed at those artificially-low prices, with no advertised offer date, and told anybody that inquired, “We may be listed at $929,000, but we’re not accepting less than $1.3 Million.”  Those listings would stay up for weeks at fake prices.

I was urging Jake & Amanda to consider looking north of The Danforth, as far east as Woodbine, maybe even toward Main Street.

I was monitoring a house on Springdale Boulevard, which had been completely renovated and was up for sale for $849,000.

The house had been on the market for about 14 days, and while they had originally set an offer date, that date had past by a full week, meaning it was now “for sale” for $849,000.

Or so we thought.

The listing had been updated and the “Offers Reviewed On May 12th” part had been removed.

I spoke to the listing agent, and specifically asked if they would consider the list price, or if they were going to re-list higher like so many sellers were doing.   He told me to show the property, and that he “liked where they were priced.”

So we took a look, and we loved it.  What’s not to love?  A 3-bed, 2-bath, fully-renovated semi-detached, for $849,000?  It seemed to good to be true!

It was, evidently.

The listing agent grovelled about my short irrevocable date, said he would get back to me after he presented the offer to his clients in person, and then amazingly – never contacted me again.

It was bizarre.  It was an experience like none-other, and I remained utterly confused.

I told my clients the truth: “I haven’t heard back from him,” and explained that this was a first, for me.

Several days later, the property was increased in price by $150,000, to $998,000.

Again, the agent never called me to inform me.  It was like he just couldn’t have been bothered.

I mean, I get it – the house was worth more than the $849,000 price at which they were listed.  They ended up sitting on the market at $998,000 for 60 days, before listing for $799,000 in a pathetic attempt to trick the market, which of course worked, and they eventually sold for $880,000 in July.

But back in May, we submitted an offer, and never got a response.

This was just as things were starting to get weird, and of course, this was Jake & Amanda’s very first foray into the real estate market.

A week later, we found ourselves on the other side of the city, out at Eglinton & Keele.

Jake & Amanda were very intrigued by anything along the future Eglinton LRT route, and as you’ll read, we ended up spinning our wheels out here quite a few times.

A detached house came up for sale on Yarrow Road, at $799,900, but it didn’t sell on the scheduled “offer night.”  Notice a trend?

The house was re-listed for sale at $829,000, and we went and took a look at the open house.

It was a 25-foot frontage, 3-bed, 3-bath, with parking, and in pretty good shape overall.

It was definitely worth what they were asking, but the market was acting strange.

We made an offer for $800,000 even, listed at $829,000, and I remember the listing agent saying, “This is a good offer, we’ll work with it.”

As luck would have it (another trend in this story…), a second offer was registered a few hours after ours, since this was Sunday afternoon, right after the public open house.

Jake & Amanda didn’t want to go any higher than $800,000, which was their magic number coming into the search, and we ultimately lost to a bid of $820,000.

Of course, the winning bidder, as I learned when I checked MLS and saw the buyer agent’s name the next day, happened to be the couple that we saw at the open house earlier in the day; the couple that I told my clients “probably weren’t interested” as they walked through the house in only a couple of minutes.

Live and learn, right?

We were now 0/2 on offers, both bad beats, as we lost the most recent one to a bid that might not have come in if we’d acted a day sooner, and we lost the first one without even being in competition!

See how things had changed since February and March?

Back then, you’d lose to 10, 11, or 12 offers.

Now, we were losing to the market and the chaos is was causing.

A mere nine days after Yarrow, we found ourselves bidding on a bungalow in the Lambton neighbourhood.

I knew the listing agent for this house; we had done several deals together, and I felt like that might give me an edge.

He had also just had his first child, and being a new dad myself, we bonded a little bit over fatherhood; as much as two competitors from different brokerages can bond.

The house was completely different from the first two we had bid on, which you’ll notice is yet another theme of this story.

Jake & Amanda were so open to areas, styles, sizes, and different value propositions, that it ultimately enabled them to make offers on a multitude of properties.

The first house was a 2-storey semi-detached, the second house was a 2-storey detached, and now we were bidding on a detached bungalow.

The house was on a gorgeous 30-foot frontage, which we figured would be ripe for development in 7-8 years as the area gets built up.  In fact, we had already seen a few properties down the street where bungalows had been razed, and 2,800 square foot homes were being built in their places.

Something about this house just seemed to “fit” for Jake & Amanda.  On their “nice to have” list was a space where Jake could have a home theatre, possibly in the basement.  Well in this particular house, there already was a home theatre, with an 80-inch projector-TV already installed.

The main floor layout was something that really “spoke” to Amanda, with all the original interior free-standing walls removed, presenting an open, inviting kitchen, dining, living area.

The house was listed for $749,000, and we went in with a max of $850,000.

The comparable sales were all over the map, and you could argue this house was worth $700,000 just as easily as you could argue it was worth $900,000, since the market had changed, and was continuing to fluctuate every day.

I’m usually very rational, and realistic about the clients’ chances on offer night, but I really hoped with this one that there would be maybe one competing offer.  I just felt as though the market had changed, and while this house was clearly under-priced, we would have a really good shot at $850,000.  In fact, I started to think, “If there’s only one competing offer, what price to we lead with?”

In the end, there were three competing offers, so it was a case of putting your best foot forward, and crossing your fingers.

The agent did do me a solid – he told me if we got blown out, he would just tell me, rather than doing what every other agent does, and “send me back to improve,” which is often a fool’s errand.

We led with our $850,000 bid, and alas, he called to say “You got beat.”

The house sold for $888,000, which some of you might think is “only” $38,000 more than our bid, and thus the agent could have sent us both back, but assuming the other offer improved as well, they’d be pushing $900,000, and that was just too far from our bid, which I already conveyed was our max.

It was a bad beat.  This one hurt.

With four offers, you’ve got a 25% chance of winning.  But where we stood with our $850,000 bid at the onset, I really, truly thought we had a 75% chance.

That $888,000 bid was more of a “spring price,” and we were one day away from June.  The sellers did well; they effectively got early April’s price at the end of May.

But Jake & Amanda, once again, shed no tears.

They never made any house out to be “the one,” but rather always seemed to have a backup option.

One week later, we were bidding on yet another house – our fourth bid inside a month.

We were into June now, the media was hammering away on the real estate market, the average home price in Toronto had dropped, on paper, 6.6% from April to May, and was about to drop a further 8.8% from May to June, and I figured we were going to start to see those on-paper numbers translate in practice.

I was wrong.

The next house had more competition on it than any house yet, and while the Lambton bungalow was a “bad beat,” this one was even worse.

Not only did the competition surprise us, and not only did we lose by a hair, but we lost in those “questionable circumstances” that would start become all too familiar to us…

(TO BE CONTINUED)

The post The Tao Of The 2017 Buyer (Part II) appeared first on Toronto Real Estate Property Sales & Investments | Toronto Realty Blog by David Fleming.

Originated from http://ift.tt/2xKe8G9

[rebeccahpedersen]

The Tao Of The 2017 Buyer (Part II)

TorontoRealtyBlog

Call me dramatic if you want to, but a story worth telling, is worth telling right.

I’ve told bits and pieces of Jake & Amanda’s real estate journey through some of my May and June blog posts, but in this series, you can see how one of the busiest 4-month real estate journeys I’ve ever seen, first began, and ultimately how it ended.

We made our first offer in the month of May, after the market had begun to cool.

But as you might have expected in a changing market, the sellers had no idea what was going on…

As I sit and write this (probably a while before publication), I just got the call that I lost in multiple offers tonight – my first big loss of the fall market.

There were five offers, and while that sounds like a lot, it pales in comparison to what took place in the spring market.

On the buying end, I was involved in a 24-offer melee on a property that was mere land value.

On the selling end, I received 22 offers on a condo in a building that historically has not sold well at all.

You almost began to expect double-digit offers on most properties, and you felt good when there were only three or four on offer night.

The interesting part about Jake & Amanda’s property search, which began in May, was that while they bid on nine different properties, the most competing offers they ever faced was five.

That’s how the market began to change in April, as I wrote about several times through the end of the month, and into May.

The Ontario government would have us believe that their ingenious “16-Point Plan” was responsible for the cooling of the market, but in reality, it was a host of factors: the Ontario Fair Housing Plan, the Home Trust scandal, articles about mortgage-backed securities, Easter & Passover falling in the same period, and buyer fatigue; lots and lots of buyer fatigue.

You might argue that “what goes up, must come down,” and the spring market was just so insanely hot, with year-over-year appreciation figures over 30% in March, that ultimately it did cool – as many said it would.

By the time Jake & Amanda were ready to make their first offer, we had already felt the cooling.

It was a very, very strange market, and quite tough to read.

In May, I wrote to blog posts that foreshadowed what was to follow

“Real Estate’s New Problem: Listing & Re-Listing”

“Listing & Re-Listing: Is THIS The Reason For The Surge In Inventory?”

When the market began to slow, sellers refused to acknowledge market conditions.

What proceeded was one of the most frustrating market cycles – all of about two months, that I have ever worked in.

It was a period of blatant, comical false advertising, where sellers would list at an artificially-low price – as had been done before so many times, but without the response that was usually generated in previous market cycles.  When they didn’t get the price they wanted, they would re-list higher, and often wait a week to do so – leaving the house up for sale at the price they had no intention of accepting.

What’s worse is that many sellers and their listing agents simply listed at those artificially-low prices, with no advertised offer date, and told anybody that inquired, “We may be listed at $929,000, but we’re not accepting less than $1.3 Million.”  Those listings would stay up for weeks at fake prices.

I was urging Jake & Amanda to consider looking north of The Danforth, as far east as Woodbine, maybe even toward Main Street.

I was monitoring a house on Springdale Boulevard, which had been completely renovated and was up for sale for $849,000.

The house had been on the market for about 14 days, and while they had originally set an offer date, that date had past by a full week, meaning it was now “for sale” for $849,000.

Or so we thought.

The listing had been updated and the “Offers Reviewed On May 12th” part had been removed.

I spoke to the listing agent, and specifically asked if they would consider the list price, or if they were going to re-list higher like so many sellers were doing.   He told me to show the property, and that he “liked where they were priced.”

So we took a look, and we loved it.  What’s not to love?  A 3-bed, 2-bath, fully-renovated semi-detached, for $849,000?  It seemed to good to be true!

It was, evidently.

The listing agent grovelled about my short irrevocable date, said he would get back to me after he presented the offer to his clients in person, and then amazingly – never contacted me again.

It was bizarre.  It was an experience like none-other, and I remained utterly confused.

I told my clients the truth: “I haven’t heard back from him,” and explained that this was a first, for me.

Several days later, the property was increased in price by $150,000, to $998,000.

Again, the agent never called me to inform me.  It was like he just couldn’t have been bothered.

I mean, I get it – the house was worth more than the $849,000 price at which they were listed.  They ended up sitting on the market at $998,000 for 60 days, before listing for $799,000 in a pathetic attempt to trick the market, which of course worked, and they eventually sold for $880,000 in July.

But back in May, we submitted an offer, and never got a response.

This was just as things were starting to get weird, and of course, this was Jake & Amanda’s very first foray into the real estate market.

A week later, we found ourselves on the other side of the city, out at Eglinton & Keele.

Jake & Amanda were very intrigued by anything along the future Eglinton LRT route, and as you’ll read, we ended up spinning our wheels out here quite a few times.

A detached house came up for sale on Yarrow Road, at $799,900, but it didn’t sell on the scheduled “offer night.”  Notice a trend?

The house was re-listed for sale at $829,000, and we went and took a look at the open house.

It was a 25-foot frontage, 3-bed, 3-bath, with parking, and in pretty good shape overall.

It was definitely worth what they were asking, but the market was acting strange.

We made an offer for $800,000 even, listed at $829,000, and I remember the listing agent saying, “This is a good offer, we’ll work with it.”

As luck would have it (another trend in this story…), a second offer was registered a few hours after ours, since this was Sunday afternoon, right after the public open house.

Jake & Amanda didn’t want to go any higher than $800,000, which was their magic number coming into the search, and we ultimately lost to a bid of $820,000.

Of course, the winning bidder, as I learned when I checked MLS and saw the buyer agent’s name the next day, happened to be the couple that we saw at the open house earlier in the day; the couple that I told my clients “probably weren’t interested” as they walked through the house in only a couple of minutes.

Live and learn, right?

We were now 0/2 on offers, both bad beats, as we lost the most recent one to a bid that might not have come in if we’d acted a day sooner, and we lost the first one without even being in competition!

See how things had changed since February and March?

Back then, you’d lose to 10, 11, or 12 offers.

Now, we were losing to the market and the chaos is was causing.

A mere nine days after Yarrow, we found ourselves bidding on a bungalow in the Lambton neighbourhood.

I knew the listing agent for this house; we had done several deals together, and I felt like that might give me an edge.

He had also just had his first child, and being a new dad myself, we bonded a little bit over fatherhood; as much as two competitors from different brokerages can bond.

The house was completely different from the first two we had bid on, which you’ll notice is yet another theme of this story.

Jake & Amanda were so open to areas, styles, sizes, and different value propositions, that it ultimately enabled them to make offers on a multitude of properties.

The first house was a 2-storey semi-detached, the second house was a 2-storey detached, and now we were bidding on a detached bungalow.

The house was on a gorgeous 30-foot frontage, which we figured would be ripe for development in 7-8 years as the area gets built up.  In fact, we had already seen a few properties down the street where bungalows had been razed, and 2,800 square foot homes were being built in their places.

Something about this house just seemed to “fit” for Jake & Amanda.  On their “nice to have” list was a space where Jake could have a home theatre, possibly in the basement.  Well in this particular house, there already was a home theatre, with an 80-inch projector-TV already installed.

The main floor layout was something that really “spoke” to Amanda, with all the original interior free-standing walls removed, presenting an open, inviting kitchen, dining, living area.

The house was listed for $749,000, and we went in with a max of $850,000.

The comparable sales were all over the map, and you could argue this house was worth $700,000 just as easily as you could argue it was worth $900,000, since the market had changed, and was continuing to fluctuate every day.

I’m usually very rational, and realistic about the clients’ chances on offer night, but I really hoped with this one that there would be maybe one competing offer.  I just felt as though the market had changed, and while this house was clearly under-priced, we would have a really good shot at $850,000.  In fact, I started to think, “If there’s only one competing offer, what price to we lead with?”

In the end, there were three competing offers, so it was a case of putting your best foot forward, and crossing your fingers.

The agent did do me a solid – he told me if we got blown out, he would just tell me, rather than doing what every other agent does, and “send me back to improve,” which is often a fool’s errand.

We led with our $850,000 bid, and alas, he called to say “You got beat.”

The house sold for $888,000, which some of you might think is “only” $38,000 more than our bid, and thus the agent could have sent us both back, but assuming the other offer improved as well, they’d be pushing $900,000, and that was just too far from our bid, which I already conveyed was our max.

It was a bad beat.  This one hurt.

With four offers, you’ve got a 25% chance of winning.  But where we stood with our $850,000 bid at the onset, I really, truly thought we had a 75% chance.

That $888,000 bid was more of a “spring price,” and we were one day away from June.  The sellers did well; they effectively got early April’s price at the end of May.

But Jake & Amanda, once again, shed no tears.

They never made any house out to be “the one,” but rather always seemed to have a backup option.

One week later, we were bidding on yet another house – our fourth bid inside a month.

We were into June now, the media was hammering away on the real estate market, the average home price in Toronto had dropped, on paper, 6.6% from April to May, and was about to drop a further 8.8% from May to June, and I figured we were going to start to see those on-paper numbers translate in practice.

I was wrong.

The next house had more competition on it than any house yet, and while the Lambton bungalow was a “bad beat,” this one was even worse.

Not only did the competition surprise us, and not only did we lose by a hair, but we lost in those “questionable circumstances” that would start become all too familiar to us…

(TO BE CONTINUED)

The post The Tao Of The 2017 Buyer (Part II) appeared first on Toronto Real Estate Property Sales & Investments | Toronto Realty Blog by David Fleming.

Originated from http://ift.tt/2xKe8G9