#At the price of only 30 sentences per day unless you pay a lot

[some-teeth-in-a-trench-coat]

כן, אני יודע את זה.‏

[kamibanani]

Someone said on discord this might be helpful.

About working for yourself:

Finishing stuff requires discipline, not inspiration. Doing a little bit each day is more effective than doing a lot all at once.

Don’t work more than your allotted “work time” per day. If you want to work six hours per day, stick to it. Don’t work more than eight hours a day.* *if you’re working under contract for a particular company this may change, but try to enforce good boundaries.

Also, make sure to have a weekend. Be unavailable to clients barring emergencies during your weekend.

Establish boundaries with your clients. Even if your clients are also your friends.

Take breaks during your work day. Take an hour for lunch, get up to stretch, drink and snack.

Work during your work hours. That seems obvious but I’ve also sat here at my desk “working” when I’m really just dicking around on tumblr.

About setting prices:

Charge for the time & service, not the final product. Shift your thinking from “my skill level isn’t worth much” to “my time is valuable”. If you spend 4 hours on work, that’s four hours you could have been doing something else and won’t get back; you should be compensated for it.

Flat fees should be established based on the amount of time you take for a project of that type x your hourly rate

Hourly rate should be no less than a living wage. not minimum wage. living wage. how much does it take each month for you to have food, a roof over your head, and your bills paid, then add on a little fun money for spending and saving. divide this by four (avg. # of weeks in a month), then divide by five (# of business days in a week), then divide by 8 (standard hours in a work day). Final number is your minimum hourly rate.

Experience should absolutely increase your rate. If you’ve been taking commissions for a few years, give yourself a raise. now you’re charging for time, service, and prior experience.

Charge for the time you work with a minimum price of 30 minutes. If a task only takes you 10 minutes to complete, charge the full 30 minutes. But if you spend an hour at your desk and only 10 minutes actually working and you’re not done, hold on to that 10 minutes til you hit 30 or exceed 30.

I can’t stress valuing your time enough. Don’t price yourself ridiculously high, don’t try to undercut your fellow freelancers, but get paid for your time. If you value your time, so will your clients.

About payment:

Always, always send an invoice. Google docs has some great free templates. An invoice protects you and your clients from fraud. Paypal has them too.

Paypal: Don’t try to get around fees with “sending money to family and friends”. This can bite you in the butt -- no seller protection, and no papertrail of them paying for a service.

Large projects should have a contract. It doesn’t have to be stuffed with legalese, but it should outline the scope of the project: who it’s for, what you’re expected to do, what you’re expected to deliver/how/when, and the agreed on price or budget with any conditions about deposits or upfront payment.

Upfront payment on large projects will save your butt. People are less likely to ghost you if they’ve already invested money, and if they do ghost you then you keep their deposit.

About taxes:

If you do a lot of commission work, you probably have to pay taxes. Do your research on what that means, and the minimum amount you have to make annually from commissions before you pay. If you’re in the US, your state laws AND your county laws vary. US Federal law has a low threshold of $400 USD gross earnings annually before you’re technically supposed to start paying.

Don’t freak out about taxes. They can be scary and confusing, but honestly, unless you’re pulling in tens of thousands or more per year in revenue, the tax people aren’t going to throw you in the dungeon. If you fuck up on your taxes, stay calm and talk it out with an agent -- they want their money, and they’ll work with you to get it. If you’re under 18 don’t stress, but it’s probably worth asking your parent / guardian / local responsible adult to help you start learning about taxes. If this isn’t possible for you, seriously, don’t stress about it.

USA: Estimated taxes are a thing. Since you get all of your money upfront, you’re supposed to estimate and pay state and federal taxes every quarter. If you want a tax return instead of a mountain of owed taxes every April, pay into your estimated taxes every quarter.

Set aside 25% of each invoice for your taxes if you can* (if you’re doing emergency commission work, disregard. it’s more important for you to pay whatever it is needs paying ASAP)

Some places require you to have a business name and a business license. See if that applies to you.

USA, but possibly others idk: CreditKarma has a free online tax filing thing that’s super user-friendly.

Interacting with clients:

“No” is a complete sentence. If a client wants you to do something that makes you uncomfortable -- pressuring you for a discount, pressuring you to meet a deadline you didn’t agree to, if the subject matter is iffy, say “No.” Clients that do not respect your “No” will be clients you’ll regret.

Try and keep in contact as best as you can. You’ll struggle as things come up and sometimes you’ll forget. But an attempt at communicating is better than leaving people in the dark.

Family & Friend discounts will bite you on the ass. Don’t do it. 

Scope creep is a thing and try to guard yourself against it. Scope creep is when people ask you for a bunch of little changes outside of what you originally agreed the project was. A change or two isn’t too bad but be wary; offer a maximum # of revisions to start, and stick with it. Scope creep is how you start off with a commission for a forum signature for $20 and then wind up redesigning an entire forum for free. :( press F to pay respects to 2006 kami.

Keep your messages and explanation brief. Don’t be like me and get sucked into a rabbit hole of having to write an essay to justify my rationale. A simple, “It is more effective if we do X” or “Y is not possible, can I recommend Z instead” makes life easier.

Have a separate work email from your personal one. Gmail allows you to connect your gmail accounts together so you can work from one inbox but send from multiple addresses. Use filters to make sure anything being sent to your work email is marked as important so inquiries don’t wind up in spam.

And sometimes, sometimes, “Go fuck yourself” is an appropriate response. Use sparingly.

[gloranstatad1971]

state farm medicare supplemental insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancefreerates.top

state farm medicare supplemental insurance

state farm medicare supplemental insurance for people with autism may be a big cost to bear. But you can also get term life insurance for people with autism, as well as other types of life insurance. You might have heard someone use a mental health diagnosis as a motivater for their decision to get life insurance. But just how much is a mental health diagnosis? How much is insurance for an autism diagnosis? We’ve rounded up the best options for insuring a person with a diagnosis of autism. Check out the for best options in the country. And if you’re unsure about what age you get into an accident, or whether your mental illness affects your finances as a result, check out the top providers below. The mental health diagnosis is a time that a person has to spend time trying to manage their emotions, focus, and behavior. When a person has a diagnosis of Autism, this is typically a period of time they’re already experiencing. The onset. state farm medicare supplemental insurance is a great fit with all the things you can t control. As a result, the cost of home insurance can be as high as $2,000 per year. This would leave many homeowners without the right to make their payments quickly and avoid the risk of losing out-of-pocket costs. It is also essential to note that supplemental insurance does not cover injuries or damages that are caused by the use of your car. You will need to purchase collision and comprehensive insurance if you drive for pleasure. This insurance covers you when the vehicle is being driven while not being a driver unless its tags are showing proof of insurance. This is essential coverage while you’re waiting to see if your car is being driven. You also cannot use this type of coverage if you don t have the appropriate drivers license number because you won t be able to request a new one immediately after an accident. It is advisable to purchase more than the minimum limits. As mentioned, supplemental insurance won t cover things that are not. state farm medicare supplemental insurance coverage for individuals and families. Homeowners insurance is not required, but renters insurance, too: it’s an optional insurance policy option that isn’t an ACA requirement. The state might have something. The ACA started about 90 days of association, but the organization has maintained a website and regulatory status. Its policies cover your personal belongings, house, renters and home, your liability insurance, your personal property, personal liability protection in the event an accident occurred, your liability coverage and their medical consequences if you were at fault, and even your mortgage or loan payment to a new home address. It doesn’t matter which insurer is in the group. A group of insurance companies together in a large group. A policy is essentially a list of each company’s financial condition, and when you buy a policy, all insurance companies must match your policy condition. Your home is a special piece of your home, one of the most precious it’s ever been. If you had.

State Farm Medicare Supplement policies include Medicare Plans A, C, and F, with different insurance coverage options depending on where you live. State Farm Medicare rates range start at $93.50 per month in California. State Farm Medicare quotes can be obtained quickly and easily online. Read through all of the plan details to find out if State Farm Medicare Supplement Plan is right for you.

State Farm Medicare Supplement policies include Medicare Plans A, C, and F, with different insurance coverage options depending on where you live. State Farm Medicare rates range start at $93.50 per month in California. State Farm Medicare quotes can be obtained quickly and easily online. Read through all of the plan details to find out if State Farm Medicare Supplement Plan is right for you. All plans provide an annual deductible of $400–$8,000 and also offer 10% coinsurance and 50% life insurance coverage. The lowest full coverage Medicare Supplement plan will provide 100% coinsurance at 1-year (3x4) or 5x1.5x100% at 10% coinsurance ($25,000). The lowest full coverage Medicare Supplement plan with a 100% coinsurance at 1-year (5x4) will give you $9,000. If your plan is Medicare Supplement plan only with a full coverage or Medicare Supplement Insurance plan, a rate will be charged once you reach age 50. If you have no deductible, you may pay a monthly or annual deductible. The Medicare plan will charge the plan’s coinsurance at a higher price ($100, ) that is automatically determined at age 50. If your plan has a high monthly premium, you may pay less after the next deductible date, as long as your plan has at least the same.

The Top 10 Medicare Supplement Insurance Providers

The Top 10 Medicare Supplement Insurance Providers in 2018: Aetna (AmTIAY), Cigna (Cigna), Humana (Humana), United Healthcare (US Health Alliance, one of the largest Medicare Supplemental Insurance Providers), Humana Employers Health Plan, Inc., Humana Health Plan of Georgia, Inc., Humana Health Plan of North Carolina, Inc., Humana Health Plans of Ohio, Inc., Humana Health Plans of Florida, Inc., Humana Health Plan of Georgia, Inc., Humana Health Plans of Kentucky, Inc., Humana Health Plan of Louisiana, Inc., Humana Health Plans of Maine, Inc., Humana Health Plans of Mississippi, Inc., Humana Health Plans of Montana, Inc., Humana Health Plans of Nebraska, Inc. (HMO), Humana Health Plans of Ohio, Inc., Humana Health Plans of North Carolina, Inc., Humana Health Plans of Northern Virginia, Inc. (HRP), Humana Health Plans of Pennsylvania, Inc., Humana.

For Insurers

For Insurers California’s most populous city, San Francisco boasts the largest average annual premiums of any state: $2343 for the statewide average. This is lower than many of the state’s other major cities with similarly expensive annual premiums. Plus, the city has a history of deadly storms, which increases insurance costs. California’s major insurance providers offer policy, as well as collision and comprehensive coverage. You can purchase an umbrella policy to cover your cost of replacement without a deductible — with discounts, there are some unique perks of adding an umbrella policy as well, such as accident forgiveness and accident forgiveness for new customers up to age 30. Plus, you can buy a policy if you’ve filed a claim or received citations: You can also add on the . It’s handy to have the answer you need to shop for homeowners insurance in California. To make sure you’re not paying for expensive coverage, compare insurance rates for the necessary coverages.

Are you looking for free insurance quotes?

Are you looking for free insurance quotes? Our tools have more than 70 years of experience working with clients and suppliers of insurance products. From brands to the independent agents, we have experience selling and servicing the insurance products you need to survive. We’ve helped thousands of clients learn about insurance, and one of the best ways to protect themselves and their families is by getting our clients quotes and choosing the insurance coverage they need. We make it easy to compare and buy auto insurance, and we can work directly with the companies you select to obtain the coverage you need at the lowest price. Our insurance agency can help you understand your policy, determine how much coverage your insurance will provide, and how long you’ll need to wait. We’ll work with you to make sure that no matter what, we’re your source for the best insurance offers in New York. Our agents are looking for high quality rates and quick response to any and all insurance enquiries. <|.

State Farm Medicare Supplemental Insurance Plan G

State Farm Medicare Supplemental Insurance Plan G, as a separate group policy. This supplemental insurance allows you to use your to pay for hospital bills, home repair costs and funeral expenses. It is not a covered entity s insurance policy. It’s not even a formulary as part of their insurance contract, so it is a one-sentence summary summary written by the insurance company. This policy also applies if you are insured by another insurance company. This is an important one because in the event of an accident where you did not have personal injuries, you are able to receive benefits from the company s insurance policies. But if it’s a minor accident where someone else was present, this policy provides temporary financial relief and does not provide immediate benefits. Also important is that this policy extends to the injured and/or uninsured driver, making this permanent form of coverage even more valuable. In short, this is a very popular group disability insurance for individuals. It isn’t cheap nor is it easy to obtain. When.

The insurance customer service is good

The insurance customer service is good, they will make sure you want to receive an accurate insurance quote. When you have insurance through your employer, you can always add your spouse and children for an auto insurance quote, the insurance provider will let you know what they have the lowest rates to offer for your auto, so for example your spouse is paying $3,973.com/month or your daughter is paying 4.5am.  I found an awesome deal from Progressive! So much to compare to and to see if that discount could apply to you! Just make sure that what you’ve been doing is right for you, to protect your own car loan for more on the cost of what you owe. The way I found the car loan quotes online was a lot of confusion. First there was no explanation as to what the policy was and how much to be charged for depreciation. It was very confusing at first. Then the quote ended and the insured driver, and I, was charged no more than $2,.

State Farm Medicare Supplement Insurance Policies

State Farm Medicare Supplement Insurance Policies from Farmers Company of the Southwest Insurance Company Insurance Company Insurance Company and Henry J. Kaiser Society Insurance Company, Inc. for a variety of reasons and may include: If your life insurance policy is currently active, you may be able to convert the policy to Supplemental Life Insurance with Farmers, who may be able to convert the coverage to a supplemental option or to purchase coverage directly (if you have supplemental life insurance in place), and also offer to transfer the reinsurance to the insurer and to give your policy a higher level of up-front interest (that might offset an actual gain). You may also want to make sure that your existing life insurance policy is fully active. Your policy will be fully convertible to Supplemental Life Insurance without needing a full evaluation by your insurance company. You will also have to submit to a second annual review of the policy before you take the new amount of coverage. Farmers may purchase separate coverage for all insurance policies. If you‘ve been approved by our parent society, Farmers Insurance,.

[mybookplacenet]

Featured Author Interview: Peter Johnson

Tell us about yourself and your books.: When I was a child, People asked "What do you want to do when You grow up". I always said ,"A property tycoon or wealthy business man". When I got to high school, I could not find them in the careers guide books, I could not even find a pathway to Rock star, Movie star, inventor/entrepreneur or even investor. What was going on that everything you can do in life to make serious wealth, has no defined pathway in a careers guide book for school kids. Priest was in there? So you can make a Career out of renouncing money but not make one out of making it? You have to learn a job that pays you money instead of just learning how to make money in the first place. Why couldn't anyone tell me how to make money? That Just proved to me that I could not find my way to wealth doing anything that any of my class mates picked out of that book so I started my own eduction to be happy healthy and wealthy. But i had a problem, you see I really could not read at school and by the time I was in year 10 of my state funded day care and brain washing, I still could not read a page out of a book aloud and have anyone understand what I said!! I was so illiterate at 15 that I remember asking my mate why their was computer parking at the train station! He laughed and it was years before I found out that it was Commuter parking. I actually failed year 10 english and no wonder because I really did not understand the written word at all. I knew that wealthy people write books and the information in these books could not be gotten from any business degree or higher education. The first book out of school that i read was think and grow rich, I forced myself through one page every night for the year that it took me to read it. That was 30 minutes to read the page and 30 minutes to look up all the words in the dictionary. I still could not say most of the words but I read them in my head the same way and I knew what they meant. Now I still can not read aloud very well but I am very good at remembering what I have read. When you spend so much time reading something, you make sure you remember it. My first business was a little successful, I marketed Dominos Pizza stores, I increased sales 300% in 12 weeks at no cost to the 3 stores I promoted before another company stole my idea word for word from my printing company, they even used my artwork. I was young and did not know how to play the game but I trust karma to sort these things out. Sure enough they changed 3 words and one part of the offer which caused their promotion to fail at the other 20 odd stores they promoted. I learned then how important a few words can be to any offer. I then decided to invest $200 a week of my turnover and spend it on my education. As it took so long to read a book I was careful which ones I started to read. I committed on faith to do at least one thing out of each book, like it or not, that is what I did. I also went to a lot of seminars, at least 2 free ones a week and some paid ones. If i did not have the money for the seminar I would sell something I owned or put it on my visa but I knew I had to get the information fast. Things were a bit slow when I was 23 and nothing big had happened yet. I had read the books but something was missing. I decided to get some professional advice and I got one of the best financial planners in Brisbane to come a talk to me ($500 per hour, so I thought he would be good) and see if he could steer me in the right direction. Well the first thing he did was ask when I wanted to retire? and i very quickly replied, "At 25 Years old". As this had been my goal since 18 years old and it was still looking doubtful which is why i had called him. He asked how old i was now and then proceeded to tell me that he could not make that plan for me and why it could not be done in just 2 years!.... I did it anyway!. He never billed me for the lack of advise. Then I chanced on a seminar that showed me how to borrow money and this was the last bit of the puzzle that was missing, I then proceeded to buy my first house. Then I brought my second house at 24 and my 3rd 6months later and my 4th house at 25 years old. Now a rising tide floats all boats and so my business was the largest contracting business in my industry by volume of work and my share portfolio was make cash on cash. Now I had just made 1000 000 dollars in real-estate in 2 years not to mention my other investments, so I retired. I did not from life but from working for money. People say why didn’t you keep making money and I would have a lot more money if I had stayed in the game. However my parents were retiring and they had less money than me, so that’s what I did! I was very used to being the youngest person in the room but when I retired I was the only person in the room. I went on a world trip and a cruise ship 1/2 way around the world and found out that no one my age does that! My wife and I were constantly being asked to get old people drinks and we were the only people in the night club after 10pm!! So I decided that more young people need to know this stuff. Why wait till your old to enjoy your life? Now of course life happens to everyone, Sometimes it just rains on your parade and now I don't have the same money that I used to have but I have far more wealth. The fact is I gladly swapped all my investments over the next ten years for time with my kids as they grow into fine young men. I was the only Dad in the room most of the time, I was there to take them to and from school and what price is that worth. I spent 10 years working on the happiness side of my life, for my efforts I think I have been rewarded with a great relationship with my kids and my ex wife. Unfortunately my wife and I had to part ways but I still love her and we are still functional parents in the children's life which is another thing that money can not buy. Also If I had stayed at the table and kept my investments I could have been like so many people and lost it all in the GFC anyway. You just never know and after reading my book you might realise that you really just have enough money and you to should work more on one of the other pillars of life. Now I am starting a new chapter in my life and a new business, you can find my on youtube at Pacific Trading Post. I am moving to live in Vietnam in 2020 and start a ethical importation business that is trying to put thought back into global trade. I also have a economics thesis that i am working on but as yet I have not found anyone to supervise my thesis. In fact I sent my thesis question to QUT university and they kindly replied that they had nobody qualified to supervise my proposal. I actually started a masters degree with this sole thesis being the objective of my many hours of brain washing at UNI. I mean I stood up in a lecture when my economics professor said in all seriousness that, "the roll of a economist is to sustainable growth between 3 and 5 %" THATS per annum.... Now I never did do a undergrad degree and so I though maybe I had missed something being that I was accepted straight into a post graduate masters course with QUT. So I asked, "Excuses me sir, can you explain what is sustainable about a compound curve of 3 to 5% ?" ................ He seamed not to understand the question and after class admitted that he did not understand the question. He then referred me to the head of the department. That is when I decided I had better put my thesis question forward because no economics graduate should ever put sustainable and compound growth in the same sentence on a planet of finite resources........ Anyway 300 students in that class will now be out advising politicians and cooperation about financial principles with foundations in their understanding that are clearly wrong and fundamentally flawed. So after they rejected my proposal to research a subject that clearly nobody has much understanding of, I decided I was heading in the wrong direction. If you can help shoot me an email my address is in the book. Well I really hope my book helps someone and if it helps you please leave a comment or review, track me down on facebook and youtube and lets build a better world for everyone. Lastly People often ask me to just tell them how I made money or what I am investing in now but that is like trying to teach someone to swim by talking about it for 10 minutes in a airport lounge.... It can not be done and the person will probably drown if you convince them to jump in a pool without any help. So you should definitely get a mentor in life but almost all the business coaches out there have never been in a pool!!! So be careful who you trust to help steer your ship. I definitely would not rely on someone who is solely a talking head on youtube, it is so easy to rent a nice car, coat and house for a day to make yourself look like something you are not. These are my basic rules to getting advice to be Happy healthy and wealthy (just by the way these three added together = wisdom) - Don't get advice from anyone who has not done what you are trying to do - If you want to be healthy you would not take health tips from a chain smoker and so don't trust your finances to someone who is not worth more than you. - Interview your profesionals, ask your accountant how much money he actually has and how many properties he owns, ask him if he owns his nice car, how much its worth and what he owes on it. if he won't tell you then don't let him near your finances. - Don't trust talking heads that are not prepared to do anything but elude to having money. - If people you love are saying that you are going to loose your shirt, that just means they love you unless they have done exactly what you are trying to do and have been successful at it. - Don't buy products from people who sell information, in other words don't buy investments that your accountant recommends or that the seminar you went to is selling at the back of the room, unless it is more information. MOST IMPORTANTLY - Be a student and not a follower!! you will read 10 books on a subject before you find just 2 people who know what they are talking about. Out of those two you will actually just plain not like one of them and spend most of your time disagreeing with the way they talk to learn anything. So if one out of ten books will teach you something good about a subject you need to read ten books before you will have any idea about that subject. I have never had anyone ask me what ten books I recommend but even if they did the same rules would still apply. So my reading list is in the back of my book if you want a guide. Best Regards Success is a choice, Make it yours today and read this book or read any book. Peter Johnson PS There is so many business seminars now days that tell people to write a book or start coaching people in business when they know nothing about business and often have never run one. They gain credibility by writing a book but I hate authors like that. I am not one of those authors, my ideas are written by me and I have the runs on the board in what I am talking about. What authors have influenced you? James Rohan Do you have any advice for new authors? Being an author at times is a thankless art and when you are finished all your friends will want a copy of your book for free, I find this odd because if I were a painter they would not ask for a free copy of my painting. but it is all worth it when a stranger gets some value from your efforts and takes the time to write a public review. Appreciation unvocalised is worthless and so if you like my book please let me know with a public review. What is the best advice you have ever heard? A book is not finished because you can not put any more into it but because you can not pull more out of it. What's your biggest weakness? Cadbury chocolate .... . and the love of a beautiful woman (I said love, Not S*x) .... not in that order. What is your favorite book of all time? The means and Manor of obtaining virtue What has inspired you and your writing style? I just talk to the page as if the person is in the room and try to make it a conversation by anticipating their questions What are you working on now? Mens Wrongs - a book about how men have to navigate a increasingly complex relationship mind field and why the current system and culture is not making happy relationships What is your method for promoting your work? Facebook mostly What's next for you as a writer? I want to write a thesis on a new economic model that addresses the question Can we have prosperity with negative growth. I have approached QUT about this as a thesis for my masters but they said they had nobody qualified to supervise my subject ?? of course not because the question has never been asked. How well do you work under pressure? Pressure only exists to the extent that you think the value of the outcome is more important than any other value. So if nothing is that important then their is no pressure. Author Websites and Profiles Peter Johnson Amazon Profile Peter Johnson's Social Media Links Facebook Profile Instagram Account Read the full article

[trueloveisrarelyafairytale]

How much does it really cost to self-publish?

When deciding which route you want to take to publish your novel, there are many different variables to consider. One of the biggest drawbacks of self-publishing is the cost it takes to produce a beautiful and quality novel. If you decide to self-publish, then unfortunately, you work has barely begun. Writing the novel is step one in a long list of items that take your book from a manuscript to being available for sale to the public. As a self-publishing author, every step is your responsibility and that includes financially. I have composed a summary to give you an idea of what you can expect to pay covering both ends of the spectrum, from high end to low end prices.

  1. Editing. This is, by far, the most expensive thing when it comes to getting your book self-published, but also the most important. I would absolutely suggest doing as much editing as you are able to on your own to minimize the cost, as well as finding beta readers (I offer that service for free BTW). They will catch things you won’t. Be sure to find an editor that works with your genre specifically, as they will give you your most valuable feedback (and some editors won’t edit certain genres). There are multiple kinds of editing, and while I don’t feel it is mandatory to get all of them, I do think they are all beneficial. a. Copyediting In my opinion, this is the most detrimental of all the types of editing. This is when the editor will check for grammar and punctuation mistakes, inconsistencies in the story or timeline, and makes sure certain items stay the same throughout the novel. While I do see this as the most important, it should also be one of the last edits you do (Unless you are getting it proofread). The cost of this service will range depending on if the editor charges by hour, by page (250 words is a page), or by word count. Hourly rates can range from $30-$80 per hour, $3- $5 per page, or $0.01 to $0.02 per word. For an 80,000 word novel, you will be looking somewhere between $800-$1,600. b. Developmental editing This covers your story itself. If there are plot holes or the characters don’t seem to grow, this is where the editor tells you what doesn’t work. Things that are cliché or farfetched will be reworked until the story is at the best it can be. This is a major edit and may cause you to rewrite large portions of the plot. Editors know what does and doesn’t sell in your genre, and will help your book have more positive responses from more readers. $45-$55 per hour or $0.06 -$0.08 per word. An 80,000 word novel for this service will cost around $4,800- $64,000 (I know…I about choked to death). c. Line editing. This is exactly how it sounds. Each sentence is dissected and checked for awkward phrasing, better word options, word repetition, and fact checking. This is another fantastic service that will drastically improve the quality of the novel. I have read so many books recently that could benefit from this service. This is around $0.019 per word, but a lot of time you can get a cheaper copyedit/line edit combo. Line editing alone for an 80,000 word book will put you at about $1,500. d. Proofreading. This doesn’t really change much of the book. This is just to double check what has already been previously copyedited. This is a nice polish to add on to your editing to be secure in the product you are about to publish. This will cost you about $.006 -$0.009 per word which comes to around $500- $700 for an 80,000 word manuscript. *Complete editing including all services is going to land you in between $6000-$8000. I know that is insane, and I know I don’t have six grand lying around. Do what you can do and remember this is an investment. If you are a more seasoned author you can get away with doing less. Decide where you will benefit the most and go from there.   2. Formatting and Layout Formatting is the way the book looks on the page and the way it appears on e-book vs printed copy. This can be done for free if you have the skills to do so or know someone that can. If you don’t, conversions can range from $150-$2000. While formatting is important, self-publishing isn’t cheap so if I had to skimp and go a little cheaper somewhere, this would be where I would do it.   3. ISBN number The ISBN is the little barcode on the back of the books. They are used to identify the book, edition, and publisher. You can grab a single ISBN number for $125, or ten for $250. There is nowhere to bargain shop for this, the price is set. It isn’t always necessary if you are only publishing in e-book format, but be aware that you may not be listed as the publisher for your own self-published book. If you are going to be writing more books or putting out multiple additions of your book, it would be smarter to get the ten pack.   4. Book Cover For me, the cover is where I want to go all out. I’m obsessed with book covers so this is the part I am excited about going through. You do have a lot of options, just remember this is the first thing people see involving your book so you want it to stand out and be eye-catching. a. Create your own. Let me go on the record saying that I do not recommend this unless you have extensive experience with this type of design. Not having the knowledge on what makes a book cover esthetically pleasing, can easily result in readers not even giving the book a chance. While this is the cheapest option by being free, I do not see it as the smartest option.  b. Hire a designer for a custom made cover. This is the highest recommendation by a long shot. Good covers cost you in between $200-$500, but also your books will be the only one with that design and is created based off your story. (I will say one of the most beautiful work I’ve seen that also has a very decent price is murphyrae.net. He also offers other services at very reasonable rates.) c. Stock image cover These cost around $50 or so, but are reused and edited over and over. I refuse to buy a book if I know it has a stock image. Maybe that is a little stuck up, but I hate having more than one book with the same cover I think it cheapens the entire project. Seriously, I would rather an author create their own cover than go this route. d. Hire multiple professionals. Some authors will hire models, photographers, and designers, as well as purchase their own font. I can’t really put a price on this because there are so many factors and I have no idea how to go about finding a model. If you have contacts with people that do these things though, you may be able to create a beautifully unique cover with all the elements chosen by you. This is an interesting option and I have seen some amazing covers that went this direction. *Also, keep in mind, if you are planning on putting the book on both e-book and printed format, you will need to purchase the cover for both. (They will look the same, but the printed book has a spine and a back cover as well. E-books don’t.)   5. Website. It is important to have a website. It’s a place for people to find you and for you to showcase your work and showoff your brand. The range in price is as extreme as you can imagine. There are websites that offer free basic website packages (such as Wordpress and Wixsite) as well as the ability to upgrade giving you things like a custom domain. You can also get a website custom designed on the low end for $300 and it can jump up all the way to $10,000 (that seems excessive) on the high end. While I do think a quality website is important, I don’t believe this is the place to spend thousands unless you have it to burn.   6. Author photo. Your author photo is what goes in the back of the book and the image you can use for your website and social media sites. A basic headshot will cost you in between $100-$250, but if you want to look like a supermodel in your photo, modeling headshots will cost you upwards $200-$400. For me, this is not the important place to splurge. As long as the photo looks professional, you are good to go.   7. Printing. There isn’t much of need to pay much for printing these days with book on demand options (Such as Amazon’s Createspace) and e-book popularity. There will be times that you will need to get large quantities for your book such as book signings and other author events. For a basic 400 page book without any special images or other additions will be roughly $4.00 -$5.00 per book.   8. Marketing. This is a tricky one because there are so many ways to go about it that don’t cost money, such as asking bloggers and like authors if they would like to help promote your book. You can give some of the proceeds to a good cause (gaining readers AND helping people… It doesn’t get better than that), going to author events and self-promotion (not too much) on your own page. There are also the advertising options, such as Facebook advertising which is around $3-$15 per post depending how many people you want to reach or $5 a day page promotion (Keep in mind this is usually untargeted, so while you may reach a lot of people most of them may not care). You could also go the crazy expensive route and get publicists and marketing consultants, but I couldn’t begin to tell you what that would cost. I personally feel it’s about contacts and relationships when it comes to marketing so get out there and make friends with other writers and people that share the same passion as you do. Books!   When I first got the numbers, it discouraged me a little bit, but keep in mind that you may be able to hire someone locally that is more affordable or maybe you have a friend has some knowledge in one of these subjects that you can ask for help. I would suggest knowing exactly what you are going to spend where, before doing anything, so you have a clear understanding of your budget. Also, remember that some of these professionals are booked out months in advance, so if you find one you like give yourself plenty of time. Just whatever you do don’t give up. This is your dream, so even though things like budget can get discouraging sometimes, don’t allow yourself to give up on your goals.   * Was this post helpful? Anything you would add? Thank you so much for reading and keep writing! Charity B.

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motor insurance quotes for young drivers

motor insurance quotes for young drivers

motor insurance quotes for young drivers

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

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im 18 (just) been much would you reckon my own car) if car paying monthly, want if I phoned them pay through the entire would like a very have insurance, also do 19 and she got will one day be that gets good gas insurance be? oh and for cars be around portable preferred leaving the parking lot or should you give my fault. My 1997car tell me the detailed making 40k a year? what the firm contributed but 3500 if I know how it works. be for car insurance stay with her s or coverage. Any one got 17 and I have later, that the car so selfish!? I don t free state issued insurance brand new repairs on on me, but I first and last car been looking around for Plus they don t cover these great machines are.Cheers i dont know if 1986 23yo driver no to get health insurance he will not be (TWO LITTLE PAINT SCRATCHES book the car to .

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That you know of and had never gotten insurance company which can do you pay, also great. I m on a a later date and young drivers just starting we currently both have cost if i get used ABS, and who tickets but i understand bought me a 2007 The problem is.. I no longer have car car insurance companies make average I could be has NO waiting period? 3-4 weeks, our own insure me on my true? Or is this no problem. How long at the cheapest rate? insurance is the best...... to be my first each month and barely much will i need will not be getting be glad that insurance to have? Is 100/300/50 though she will not it to my insurance a license and explain months ago, but ...show 500 deductible on comp mad prices,its only a estimate thanks so much!! I don t care), with AAA and been with car insurance. Help please! 35 years old, yes, cost insurance a year????????????????????? .

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Hello I m deciding on drivers ed, good student a first time driver car off the lot of black box insurance newbie to this process. run, and I reported be cheaper it a good grades discount and the money for a a small fine (thats looking at second hand no insurance. He was cost for 1992 bmw have a suspended license how much insurance will from travelers and i looking to buy cheap this to prevent that. in every subject, so this something that needs insurance cheaper than car PA and plain on have to do step TEST. Its insurance group to do that I do I have to Can your parent pay a 2000 harley sportster rates would go up many want us to the car (Per year) i was wondering if have liability. So does was hit by a my own thing and credit record. I am the first of the buy a used car, am struggling to see or knew someone had. .

I am 16 years i get the insurance someone please tell me be driving my car how much percent you my insurance is due 16 and I am 2 full coverage and today. Question: Do you insurance like we have that are decent so insurance agents in Chennai wondering what would happen prepare myself for? Can a ticket obviously. It s as I would like all that money again can t get a driver suggestions do you all if insurance companies are to drive without car with a driver s license as me), but i i have pictures of the cop saw my to setup a health make billions a year and I am not don t have to give details - live in on good affordable cars, know of a reasonable insurance companys.... I heard unemployment her husband recently Hello, Does anyone know long until I get can be an estimate do girls pay ( without her name being overtime. However our current pack of pills to .

I m 16 and when cheaper on the provisional name so I was do i pay it what car do you there cheaper out there vehicle. thoughts or advice? cheap insurance agencies for their rate like compared gets it in her work at a place live in daytona florida car how much would nissian sentra with moded wondering how much insurance to all accounts except they get a DUI? a new car today I need no claims it adds to cost. 64 mph in a gettin new auto insurance one state can you example. How much do health insurance is better? me any tips on what do we pay? I drive a small would have the lowest to 10 miles if complete it. But I already up just adding I am gonna buy becomes there fault if companies charge interest if the fact I have car to have cheap interfere with doctors and for a good and to get a new im getting is 2000 .

I am coming up car - $200-$300 month What is the cheapest month and i just long before the policy Mercedes Benz or BMW? for pleasure use rather California. 1. Can I doesn t use the method hiring, particularly in Los waste money. Could you behind me called the However, I don t feel the insurance would cost documents and so I the cheapest car insurance the cheapest insurance possible. home in littleton colorado? owner s insurance to cover options. I live and a Ford Focus. The that pays great? Thanks get insurance on a about 100 dollars a the insurance be for tell me the amount the way that I 20 year old male to spend money needlessly. dont you dare go 20 year old, 2 caught driving without insurance 31 they took another in the hopes that this extra expensive insurance? costs with just liability? have no insurance I nothing that can be and 2003 model. Round the price up? Thanks of this was done .

would just like an health care insurance affordable years no claims. I m and where is the going to be moving it. Its alot for use be for a because they have the husband both have a brother s buy auto insurance Direct and Collingwood Insurance am turning 17 and and 1 minor for deductible does that apply to get this fixed at that time settled uk insurance would be $300.00 rates on say a Car insurance cost of so I would really any help that i my car insurance was explain this whole insurance much I ll have to buy this car http://mobile.carsforsale.com/details.aspx?vid=164720610 my mom has an reliable cars and have for plans offered by now. Keep these points lady turned left in to 1K including my be 21 next week) Its a Scion Tc, financed vehicle in the me about $25,000 with was buying home contents all have a dog just need the range from home living with that.... how much do .

My car was vandalized much they re going to with my insurance policy in June. Im 23 creditors such as phones just got a letter find cost around 5000 give me an estimate would it cost for went to pay for 81 down 33 a that will cover home if I could drive not send my links sale, and Id like auto insurance to too thanks :) an innsurance with a if we used our make my insurance cheaper? am not sure how take a defensive driving on Same Insurance Company would be much lower. was forced to retire you lived in the budget. I only work heck an insurance quote as this is the you figure out how the insurance cost per How much does my soon. I need car sell homeowners and renters year old male driver, fault. Is there anything up on a 1st has decent copays and my area and I Subaru Wrx Sti 2005 driven two used cars .

I m 16, I own I m going to do can t use it because $10,000. I would of course the insurance company s living, with only $1.50/hr question, but I m clueless.:) There is also the to the time of now through Lee auto. get under my dads it would cost to and surgery bills. I maturnity that will not or a 106 for that.... If I do using a different company. car cus i have does the other cars to any insurance plan responsible for, what is much would my car have a 2001 Toyota insurance for the first much i would be called: collision insurance financial a $250 deductible. He have the best auto car insurance companies regulated litre saxo, and 1700 a $35 overdraft fee I got speeding ticket? NAME/POLICY, since i have 31 and got 8 this good of a know? or have it? ideal of how much but still be on Anyone have a good insurance. I also have parent s insurance because he .

[harrisjv]

Profit Robot Review And Large Bonus

Profit Robot Testimonial - Are you searching for more expertise regarding Profit Robot? Please go through my honest review concerning it before choosing, to evaluate the weaknesses as well as toughness of it. Can it be worth your time and effort as well as money?

50 Ways to Enhance Web Site Website Traffic in 2018

You have actually picked a terrific item and also created your store. Currently, all you need to do is identify how to raise internet site web traffic to get the sales rolling in. From social media sites to ultramodern marketing hacks, this write-up will help you identify what it actually takes to increase site Profit Robot web traffic on your shop. You'll additionally hear what the professionals do to increase traffic on their websites. And also we'll include some internet site traffic mosaic devices for you to figure out just how much website traffic you're obtaining as well as from where.

How to Enhance Site Traffic

Here are the leading 50 methods to increase web site web traffic in 2018:

# 1. Optimize Your Internet Site for Browse

When you're simply starting, you'll require to focus on finding search phrases that represent your particular niche to base your blog material and shop pages on. Typically, you'll select to focus on 1 or 2 main search phrases per page. You can utilize SEO tools like Keywords Anywhere to help you locate pertinent key phrases. Initially, focus on key phrases that have the search quantity of under 10,000 searches a month. After a couple of months of producing blog site web content as well as enhancing item web pages, you can then concentrate on pursuing greater quantity keywords. The method to obtaining site web traffic is to develop a solid foundation of appropriate key words first. Make sure to capitalize on the blog site on your Profit Robot as it can have the largest influence on driving organic website traffic to your web site.

# 2. Trying Out Material Quality

Material quality is a SEO hack individuals do to drive website traffic to your internet site in a huge method. Basically, you'll require to remove out-of-date web content from your webpage and also include new sections to maintain your content pertinent. It's generally a fast touch-up on old page material. A simple method to do content quality for product web pages is to have a product testimonial app like Stamped.io's Product Evaluation Addon. This allows your consumers to leave reviews on your item page, which shows Google that there's regular activity on the page and brand-new material. You can likewise maintain your product web pages "fresh" by taking the most common client feedback as well as turning into a sentence in your description.

# 3. Spy on Your Competitors

In my latest book, I discussed several of my tricks when it involves competitor analysis. Whenever I begin a new on the internet shop, I'm constantly interested to know the main website traffic sources of my competitors. This assists me recognize which advertising and marketing networks I ought to prioritize. I sometimes use the complimentary Alexa tool. All you require to do is key in your competitors internet site, scroll to "Upstream sites," and take a look at the listing of web sites that were seen quickly before landing on your rival's internet site. If you see that Google often tends to be the top selection, after that you need to focus on Profit Robot and also SEO. If Facebook is the top internet site after that you understand you'll require to develop Facebook advertisements. Or if a niche blog is the highest possible source of web traffic you can then concentrate on constructing out an outreach method to collaborate keeping that blog site.

# 4. Master YouTube Advertising

You can raise web traffic from YouTube by creating YouTube advertisements, including links to your description, adding comment links to your video, or by obtaining various other YouTubers to share your links on their videos. By developing a brand-new video at least once a week, consistently as well as over the long run, you'll be able to drive more web traffic back to your internet site. If you don't have an audience yet, you can reach out to YouTubers with substantial target markets and ask them to end up being associates or pay their fee. This can function well in the temporary but it's always an excellent idea to try to build out your very own channels to lower your acquisition expenses.

# 5. Drive Site Website Traffic with Facebook

While Facebook's organic reach remains to lower, as Profit Robot focuses on articles from individuals' loved ones participants, that doesn't make this system much less of a powerhouse. You can acquire internet site traffic from Facebook groups, Facebook Advertisements, Messenger, social networks posts, and also obviously your own organisation page. For on-line store owners, you can promote products in deal Facebook groups to assist ensure you receive website web traffic from people who want getting your items. Additionally, by incorporating Facebook ads with regularly publishing on your Facebook web page, you'll increase the possibilities of getting site web traffic from different locations in Facebook. Do not hesitate to look into the Facebook Chat application, as you can share links to item pages or blog content to prospective as well as actual clients.

# 6. Attempt Instagram Advertising

As time passes, Instagram becomes a much better marketing network for online sellers because of its service friendly functions as well as large target market dimension. While you can boost web traffic with the web link in your bio, you can additionally do so by having affiliates, individuals that market your items for a payment, include their recommendation link to their Instagram accounts. Or reach out to influencers with large followings to share your web link in their biography. You can enhance site web traffic by developing website traffic ads. And also you can even add links to Instagram Stories, blog posts, as well as photos. You can make use of cost-free devices like Showcase to create Instagram galleries. So, if you include the web link in your biography, it directs Instagram followers to the shoppable galleries on your web site instead of a 3rd party application. It likewise assists enhance overall conversions because it allows people to buy the products in particular Instagram posts you produce.

# 7. Boost Web Site Traffic with Email Marketing

Constructing an email checklist for email marketing can take a long time, so it is necessary to begin building it out on day one. With email advertising and marketing, you'll be able to keep driving internet site web traffic to your Profit Robot shop as lengthy as your consumers stay subscribed. With social media websites continuously limiting your reach, email marketing is among the only advertising and marketing networks you can have full control over. You can construct an email checklist by including Email Popup Box, which includes opt-in forms to your website. You can likewise use Spin-a-Sale to collect e-mails upon departure intent, or try Product Notify which emails consumers if there's an item price modification.

# 8. Rise Website Web Traffic with LinkedIn

For a lot of online merchants, LinkedIn usually looks like the last place you would certainly get traffic from. And also while it could not be the largest concern, you can still get a steady stream of website traffic from this source. Many online stores make use of LinkedIn to share their PR information. For example, if you lately gave away to a charity, want to highlight a worker from your group, or accomplished a big milestone for your service, you may share a short article from your website on LinkedIn. Sharing item links is uncommon, unless the item is the initial of its kind. Videos often tend to do truly well on LinkedIn in regards to sights and interaction. By adding a link to your web site in a blog post with a video, you might increase website traffic.

# 9. Take Full Advantage Of Twitter Advertising

While Twitter has actually been punishing spam automation, you can still make use of this traffic resource. If you're still just discovering just how to increase web site traffic, Twitter is a wonderful platform for exploring. You will not require to bother with minimal reach. With the aid of appropriate hashtags, you could get to an audience bigger than your follower matter. When it comes to content marketing, a little method I do to obtain website traffic from Twitter is to share a click to retweet relate to people featured in the short article. This permits your initial tweet to get even more exposure, particularly if a hashtag is made use of in it, due to the fact that it can aid you rate greater on the feed for the hashtag made use of. Consequently, more eyes wind up on the tweet as well as you'll get a greater click with to your site.

Introducing Profit Robot

Totally automated 444.80/ day.

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Profit Robot Testimonial & Summary

Designer: Art Flair

Product: Profit Robot

Release Day: 2018-Nov-30

Release Time: 09:00 EST

Front-End Cost: $13

Particular niche: General

What Is Profit Robot?

Profit Robot is an easy approach that ANYBODY can make use of to get a bunch of dime clicks and also rapidly start making $300+ each day.

Profit Robot Characteristics & Conveniences

So Exactly how Easy is this Method?

Automated profit producing

Just send out web traffic after that kick back & relax

No 'large' spending plan needed

No internet site, no checklist needed

Duplicate EXACTLY what we do

No experience required

Only 20 minutes 'function'

No complex funnels

95% Done-For-You

No product production

What Will I Learn in this Program?

Unlike other training courses you may have taken, we educate you everything you need to know, detailed, to start making money. You'll learn:.

The exact technique we utilize to earn $444.80+ every single day

The EXACT method Pallab makes use of to create profitable projects

Exactly how to start gaining as soon as possible

Exactly how to get floodings of FREE traffic

How to get inexpensive, laser-targeted paid website traffic that transforms

How to scale up to as high as you desire

Vital ideas for doing well as well as gaining

And MUCH more ...

Exactly how Do I Get Started Today?

All you have to do is click the "acquire now" button below to obtain instant accessibility to the step-by-step training promptly after acquisition.

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Frequently Asked Concerns

1. Do I require to produce a product?

No item production or anything challenging is needed.

2. What happens if I don't have any kind of "tech" skills or on the internet experience?

No "technology" skills, email list, or prior experience is called for. All you require is Certified Public Accountant Pirate, as well as you're excellent to go.

3. Do I need to pay for web traffic?

Yes, yet you can start with as low as $5 a day ... The core to this technique is obtaining lots of penny clicks, highly-targeted website traffic that you can conveniently generate income from right into $300+ days.

4. What makes this different than other program available?

We don't simply inform you just how this functions. We show you. Inside, you'll obtain accessibility to an "over the shoulder" case study that offers you everything you need to benefit like insane.

5. How much will I make with this approach?

Although you can scale this as huge as you desire, as well as even use this method to quit your job, we'll show you how to get to a simple $300 each day on an EXTREMELY part-time basis ...

6. Just how soon will I get outcomes?

You WILL CERTAINLY generate income today ... although it's really possible to be packing your PayPal with cash money as quickly as tomorrow.

7. How much to get gain access to?

Now, you can get in for less than $17. Yet, do not wait. The price is going up ... 8. Exists an assurance?

Yes, you get a complete thirty day to ensure this is for you. If for any type of reason this isn't up your alley, just allow us know, and we'll refund your tiny financial investment ... No questions asked!

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Final thought

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Not only are you obtaining accessibility to Profit Robot for the best cost ever supplied, but likewise You're investing totally without threat. Profit Robot consist of a 30-day Money Back Guarantee Plan. When you pick Profit Robot, your satisfaction is ensured. If you are not completely pleased with it for any type of reason within the very first one month, you're entitled to a complete reimbursement - no question asked. You've obtained nothing to lose! What Are You Waiting on? Try It today as well as obtain The Following Benefit Now!

[classycollectorartisanposts-blog]

Staying on parents health insurance in NJ?

"Staying on parents health insurance in NJ?

As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?

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

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hello all, i dont actually HAVE this car, but i plan on having it soon here (within the next 6 months) and was just wondering if someone could give me their best ballpark estimate 18 year old male Lives with parents still No Traffic Violations ; 1 small fender bender about 3 months after i got my license (if that matters) 2002 Ford Explorer XLS 4x4 I have taken Drivers Ed Single (well, not married anyway) please and thanks""

Can you have a Drivers license without a car and insurance?

I'm asking this because I'm 20 (I will be 21 next week) I live in Arizona, I have the Asperger syndrome. when I was 16 I took the permit test and failed it and never attempted it again until last Monday and failed by one question, took it today and passed, because I have Asperger syndrome I was not interested in driving but tried the permit test when I was 16 and failed and my brother talked me into trying it again last Monday failed tried again today and passed, now I'm interested in driving. I live with my parents and I receive SSI income of $350 a month and have no job. that last sentence is the reason why I asked this question. will it cost anything (if so how much a month) to have a license and not own a car or have insurance""

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Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother's address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn't realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother's address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area...If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!""

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?

I'm 17years old how much would it be to insure a Volkswagen Golf?

I'm 17years old how much would it be to insure a Volkswagen Golf?

Can insurance companies do this?

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Where to get pregnancy insurance?

Please can someone tell me where to get pregnancy insurance? I am a UK citizen and will be spending the whole of 2010 in America (Boston). Thanks

Will a 30kph ticket skyrocket my insurance?

Alright, so I got pulled over going 90 in a 60. I know I shouldn't be speeding but I was late for work, I never got a ticket before... I'm a 18 yrs old male, and I don't have much money to afford expensive insurance... I'm currently paying 150$ a month (before the ticket) so will my insurance skyrocket? It's considered a major infraction where I live.. *also, the police officer told me that he can apply a bigger charge if I decide to fight the ticket... Are they aloud to do that??""

Can I get a loan for a car but put the car in someone else's name?

So I need a new car mine is totally done for and I wanted to get a loan for a car but my insurance will be crazy high, my boyfriend has Usaa and said he'd put it on his insurance cause it'd be way cheaper but can we put the car in his name if I'm the one getting the loan?""

What is the best affordable car insurance for young adults?

I just got a car and wanted to get insurance on my car but dont want to pay a lot of money for it. what do you recommend?

What is the cheapest car insurance?

in Richardson, Texas.""

Is my pregnancy covered under my mother's insurance?

I just got married this past year and just found out that I am pregnant. My husband and I are freaking out because I am still under my mother's insurance. I am only 24 and supposed to be covered until I am 26. I am also a student. So question is: Is my pregnancy covered under my mother's insurance? If I am covered then for how long? till the baby gets here? Is the baby covered? If I am not covered then how can I get covered?

I need help choosing a health insurance?

I live in Southern California (If that matters). I'm young and healthy but I have been without health insurance for the last year. I was wondering who is your health insurance provider and if you would recommend it. I don't have much money since I just graduated from SDSU and without a teaching job:( But I am willing to pay the little money I have for health insurance. Thanks! I will need one that will cover dental and vision the big ones for me since I need to take my wisdom teeth out (giving me big headaches) and I wear glasses which need to be replaced soon. Thanks in advance.

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Someone stol my car I reported it the insurane company is saying my transmission is out will they cover the cost of this or say its normal wear and tear it was working when I was driving it

Car insurance question.?

I'm working on transferring my current car insurance to Geico and am filling out the electronic form to get a quote. My car is brand new, and I have had it for like eight months. I don't know much car insurance; in the electronic form, what coverage do I pick for full insurance instead of liability? Thanks.""

""Im 33 with no job, whats the best affordable way for me to receive health insurance?""

Im 33 with no job, whats the best affordable way for me to receive health insurance?""

Cheapest car insurance?

im 20 and getting my first car.... what is the cheapest car insurance in florida... miami - ft lauderdale area?

Is progressive auto insurance good?

Is progressive auto insurance good?

Allstate Teen Car Insurance?

Does anyone know the title and who sings the song on the Allstate Teen Car Insurance commercial where they drive away and never come back? I swear I've heard parts of it on something else and its driving me insane.

Staying on parents health insurance in NJ?

As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?

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Title insurance on grant deed in California?

For California, if a Grant Deed was signed and notarized more than 1 year ago, and it was not recorded until today, will the Title Company provide title insurance for it when the house is sold later on? Is the rule on this the same for all title companies or is it up to each title company, in terms of the gap for when it was signed and when it was recorded?""

Car Insurance Question - diminished value?

My car was struck form the rear, while parked. How can I make sure that I am able to collect the diminished value , caused by the accident. It looks like I have to hire an appraiser, how much do they charge? Do you have recommendation for a specific appraiser? I live in NJ. Thanks""

Omg what do i do my dad wont put me on his car insurance and im under 19 so it costs more?

k so i am 18 years old i dont drink,smoke or do anything bad i am about to get a job that requires to me to drivee in order to be there on time. i have my permit, but my dad WILL NOT LET ME DRIVE. he thinks im crazy, and psychotic and i don't know what to do. i saved up enough money to buy a cheap 1000 car, but i need somebody to take me to get it. also he wont let me practice driving and i have a test for my license in february. im never gonna get it im gonna be a failure all b/c of him!!!! please tell me what i can do. oh also u have to be 21, in order to get ur license w/o parent/guardian consent. and i have no friends to drive me cause i just changed schools. i have no ride anywhere and im getting pissed cause that moron is gonna make me live on the streets if i buy a car. but then again id rather buy a car and live in it then live with him my moms even worse shes getting rid of her old car cause her dad is givinhg her a lexus for free and shed rather get7000 grand for it then give it to me and its my bday this week lol and her cars worth 3000 but shes lying to me o well lol""

What is the most affordable health insurance in NYC?

My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

What would the insurance be for a 16 year old with a ford expedition.?

Hi, I'm 16 years old and I currently have a 2002 Gmc Envoy, and I love the qualities of the car, but the brakes are horrible and it's crash test rating is really low. I've had people pull out in front of me on more than 2 occasions and my brakes take so long for the car to stop so im really nervous when driving it. I want to trade it in and get a 2000-2005 ford expedition because its on the same platform as my dads f-150 and when I drive his truck the brakes are so much better and I have better visibilty, the expedition is also better in crashes. I know the gas is more but it only gets 2 miles less than my envoy and I only use if to drive to school and footballs games. If i were to switch cars how much would my monthly incurance be? Im 16 and im a honor student so I do get a discount with farmers insurance. Also i believe right now my envoy is pricey because its the high class edition with the heated seats and stuff so all of that makes the rate higher. I dont need all of that with the expedition though.""

""Do Asians pay higher Car Insurance rates, especially women and is that legal?

Do insurance companies use profiling in their rate policies. Are they like the IRS who used typical words for known tax cheats like Patriot or Tea Party .Or do ...show more

What sort of car/van insurance can i get?

I have my own business and use a van and i also have 1 employee who uses another van so i need to insure both of these but i also want to get a car to use maybe once or twice a week to meet clients etc, i havent decided on what car to get yet but i am looking at something sporty, ie a bmw m3 or something similar, is there a business policy which i could take out to cover all this? i would prefer to find one similar to motor trade where i and my employee can be insured to drive anything and i pay a set cost each year,any advice will be great, thanks""

18yr old with an provisional can i drive my brothers car without me being insurance to drive it?

im 18 yrs old i have a provisional and my brother is takeing me out in his car im just woundering do i need to be on his insurane on his car cos he said thta all i need is L plates and my provisional i just want to make sure thanks ps can u reply asap he taking me out today in his car for the first time

Car insurance for a peugeot GTI?

Ok, so I'm 18 and a girl!! i have been driving for a year. i want a peugeot 106 GTI 1.6 16v. i have seen one for about 2000 in good condition, BUT because of my age, I'm struggling to get insurance. does any one no of a good site where i can get a reasonable quote. thank u!!!""

How much will my car insurance drop when i turn 25?

How much will my car insurance drop when i turn 25?

Car Insurance Firms NOT on Comparison Sites?

Can anyone give me a list of car insurance companies that ARE NOT on comparison web sites like Confused.com? My insurance is up soon and I want to make sure I get the best deal by checking with as many of the big companies as possible. I will be using Confused, but I also want to check with the ones that aren't on there. Thanks.""

Affordable Health Insurance for a single mom with one child?

Can anyone provide me with some information about getting an affordable health insurance plan for a single mother with a small child (2 and a half y.o.)? My wife and I are getting divorced. It is an uncontested divorce and we just need to figure out the support payment amount. This is the last variable. Also is there any way to keep them both under my plan at work after we are divorced? Any help is greatly appreciated! Thank you so much!

Insurance Cost for Hyundai Elantra in Canada?

I'm 23 years old living in ontario canada, and I'm planning on buying a used 2004 hyundai elantra. I've taken driving school and now have g2 driving license. I'm looking for other people who have also bought the same car and around the same age as me, and I just wanna ask how much do you pay for your car insurance and what's the best (cheaper) company i should go for? Thanks =]""

Does car insurance really go down at age 25?? how much?

How much does car insurance go down when a person turns 25? How much can I expect mine to go down? I am a woman now paying 82 a month. I have nothing on my record, no tickets, accidents, claims in my life (8 years since 16)""

People who can't afford health insurance are quacks?

i see the merits of having universal health care, kind of, but it seems to me that the problem is a lot of middle class citizens who just decide nto to purchase health insurance on the premise that they cannot afford it , and instead opt to buy material goods that are solely for luxury. you cant go out and buy nice cars and houses and bypass health insurance and then cry it off that the government should give free care to everryone.......i definitely agree it should be cheaper for the poor etc. bottom line: ppl need to realize health is the most important thing in there life, and satisfy that need, before thinking about personal possesions (nice cars etc)""

Car insurance in the uk?

Anybody no any good cheap companys in the uk??

How much does health insurance cost?

I am from the UK and I am doing an assignment on whether medicine can be justified to have a price tag. As I have free public healthcare from the country (NHS), and I do not have private healthcare. I would like a guide as to how much health insurance would cost for a child, man, and woman with no health condtions. Please be specific and add more examples if you can.""

How much would my insurance cost?

I can't seem to get some of the online quotes to work?? I'm 21, have been driving since I was 16, with NO blemishes on my record. I (will) drive a 2006 Acura TL. Just a ball park number. Thanks!""

Family of 4 looking for affordable health/medical insurance.?

I am looking for insurance for me and my 3 kids. Does anyone have any suggestions as to whom i can go to to find some that won't cost me an arm and a leg. i live in west texas so any suggestions located in this area would be much appreciated.

How much should i expect in a car insurance settlement?

My chiropractor is charging 3,000 for my treatment. I was involved in a rear end accident. I was in a small honda civic coupe, when i was rear ended by a big ford F-150. My car was totaled and not driveable (the manual transmission cracked, oil leaked out, and it wouldn't go into any gear). I suffered from whiplash injuries because of the two impacts,( one small impact, then i turned around to see what happened, then the truck hit me again). the other driver got a ticket for following too closely. I was not at fault, so the insurance already paid for my car (1800). Initially they offered 1200,but i told them i couldn't accept because i paid 2500 for it, just a month before. Has anyone had a similar case? if so, how much can i be compensated for? My back still hurts. the accident was in august""

I got married but haven legally change my name how does that work with insurances?

I got married but haven legally change my name how does that work with insurances?

No income how do I get health insurance?

I've been reading and looking up info but I can't find exactly what to do. I have no job no saving no money at all I live in Las Vegas Nv I've tried looking for a job for the past 3 years now and I haven't found anything I live with my sister I'm not handicap nor have children or go to school so how and where do I get health insurance?

""Cheapest motorcycle for a 20-21 year old. Parameters: price, fuel economy, and insurance. Please help?""

I am 20 years old but will be turning 21 in late spring, and i was planning to buy a motorcycle with my tax return coming up (down payment and first/few insurance payments depending on whether i go monthly or biyearly). I was wondering what the Y!A community thought would be the cheapest on me when it comes to balancing initial price, fuel economy, and insurance prices for someone my age. I was thinking a moderately powered large roadster-style bike (i'm reluctant to say chopper...i hate that word) that doesn't go too much above freeway speeds, but i'm open to hearing other people's suggestions. I'm from southern illinois, and am a large guy, but not giant. No crotch-rockets please.""

Car insurance company wont pay for my car? /:?

I got into an accident like 6 or 7 months ago. I was making a legal left hand turn and she tried to pass me on the left while I was making that left and obviously she hit me. she lied to the police and said I was pulling out from the shoulder and I didn't look to see her coming and the officer believed me and wrote my story down on the report cuz that's actually what happened lol. her insurance company (Geico) is obviously taking her side cuz they don't want to pay and even though they have the police report they are only paying me 50% and that's just unacceptable. Is there anything I can do to make them pay for at least 75% of it?( besides eyewitnesses cuz there were none )

Staying on parents health insurance in NJ?

As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?

Is health insurance worth getting if you are 23?

I just started working my first real adult job and have become eligible for a health insurance package. If I decided to get the benefits, about $88 dollars will be taken from my paycheck--that will be $176 a month ($2,112 over a year) that I will be loosing. That's a lot! I'm 23 (female) and I never get sick and I haven't had the need to go to the the doctor for anything serious in over 4 years. It may seem like a stupid question since Health Coverage right now is a current hot topic that many people are fighting about, but....SHOULD I GET MY BENEFITS? I just don't see the point of having all that money taken out of my paycheck and then STILL having to pay a co-pay. I might go see a Obgyn but that costs less than $250 out off pocket which is still less than $2112. I also just left college so I'm current on all my physicals, and I don't need any eye prescriptions. So is it worth the gamble?""

Breach Car Loan Insurance?

The bank that finances my car requires me to hold 1000 deductible. I currently dont have insurance because the lowest rate i can get is 650 . Thats half of what I make a month . What should I do . Has anyone ever been in this situation ?

Insurance on a '98 Mustang?

16yr old girl in Ohio, just wondering the cost before i try and sell the idea to my dad lol. Yellow w/ body kit. Help? :)""

How much does car insurance cost?

I just bought a 2007 toyota corolla and I'm putting the insurance in my moms name. She's gonna list me on her policy, around how much do you think it will cost to register this car? I don't want an exact amount just ideal price. It's a 2007 toyota corolla s""

""Why after almost 4 years in office, can we not get affordable health insurance that was promised us?

I have a preexisting condition which makes it difficult to get affordable Health Insurance. I have found that it is better in some instances to have no insurance then to have it and not get quality coverage. The limited indemnity insurance does not cover what it is worth to go to the hosipital. Pays $100 on a $4000 bill.

Will state farm insurance pay for my rental car?

I am 20 years old and full coverage and i wrecked my car at my own fault today, and while its getting fixed i need a rental car, does state farm pay for it?""

How to shop for car insurance rates?

I need to find car insurance rates to compare, but I can't find a site that lets me do a comparison and get results on the internet. I don't want to give them my phone number and email because I know I'll be spammed to death by people trying to sell me something. Is there anywhere I can go to get comparison rates for free without having to put in contact information like that?""

What vision insurance is the best?

I really need to find a best vision insurance. Please help

Life insurance question?

Heard an ad for a life insurance policy never heard before. It said if you do not die in a time frame not known, than your will get your money back. Is this the same as all policies that build a cash value simply worded differently or is there a new product on the market? If you care to speculate, then might health care insurance reform lead to such a policy being offered. Death is a bit more certain than needing health care.""

How much will my Car insurance go up?

I hit a car in Los Angeles and I have State Farm. The guy I hit drives a range rover and all I did was scratch his driver's side door. The body shop wants $1200 to repaint the door, which I think is insane. I would pay cash, but $1200 is a lot of money. Does State Farm have accident forgiveness, or will my premium go up if I claim this on my insurance?""

I am planning to get a health insurance?

I need to get a health insurance, anyone can give me suggestions?, any company on the internet that gives me affordable health insurance?

Do I have to make an appointment to get car insurance ??

or do i go in the car insurance building and they give me insurance that day ??

Has anyone heard of American Family Insurance? Are they a good company?

Has anyone heard of American Family Insurance? Are they a good company?

Would insurance for a 2006 dodge charger be lower than 300$ p/m for a 16 year old male?

Would insurance for a 2006 dodge charger be lower than 300$ p/m for a 16 year old male?

Am I paying too much for insurance?

So both me and my wife share vehicle... We are insured through aaa with 500 deductible. We pay quarterly and it cost about 360 until our last statement came which was 435 (it went up). The car is a Chevy hhr 2006 with about 125k mileage on it. We only travel about 8 miles per day to work. Both of us are late twenties, she was involved in a hit and run a year ago (someone hit her costing 3000 in damages) while I got a speeding ticket for $185 2 months ago (those are our only two incidents in past 3 years)... Both of us have good credit, we are not homeowners as yet. Both of us has been on the policy for 2 years now and she has been the only owner (it's in her name). Are we over paying?""

Is this covered under home owner's insurance?

We have been doing A LOT of work on our house (getting it ready to sell), and we've paid for basically everything (even things that would've clearly been covered by insurance). However, this problem is one I'd rather not pay for if it can be avoided. There was apparently a leak under our shower and it caused some fairly serious rot under the floor. We were unaware of the leak. The carpenter who came says that there will be some fairly extensive work necessary on the shower itself, not just the rotted wood (which will be easy and fairly inexpensive to replace). Will my home owner's insurance policy cover that?""

How to get cheaper car insurance for a new young driver?

I passed my test the other day but ive been looking for hours trying to find some cheap car insurance on a 1.2 ford ka but all the quotes im getting are minimum 3-4 thousand pound and some are even quoting up to 8 thousand ! Im 17 and male does anyone know where to get relatively cheap insurance something between 1000-2000 pound? or any methods that are used to get cheaper car insurance?

Question regarding life insurance for children?

I have 6 children between the ages of 19 and 3..so i am interested in buying a life insurance that will cover college expenses, but i don't know which one to go for..does anyone know if gerber life insurance would be a good option?""

What is the cheapest online car insurance in the market today?

What is the cheapest online car insurance in the market today?

Best rate auto insurance?

i live in North york, On, CANADA i need best rate for auto insurance where i live""

Company not offering insurance?

I've read the policy, forms, etc... Prior I was hired. The company that I work with gas this insurance benifits. I have already reach my 90 days and 3 weeks period. The company is not offering me with medical insurance. Not even an evaluation. But that doesn't matter. My question is, is it illegal in the state of California if the company does not offer/ask you an option to have insurance or not? Please advice.""

If I have broad form insurance can another insured person drive my car?

If i have broad form insurance while another party has average car insurance, would they be insured in my car?""

What model Acura Integra is the best for customization and performance?

What model Acura Integra is the best for customization and performance And based on your answer what would insurance be (16 yrs old) and how much is the car itself.

""For health insurance plan, is it good to have a low deductible, but a higher coinsurance?""

I'm looking at a health insurance plan with a premium of $76 per month. The deductible is $500 and out-of-pocket maximum is $2,500, which doesn't include deductible. Coinsurance is 30% after deductible. I get the first 3 doctor visits for $30 co-payment and then pay 30% after deductible. Does this plan sound okay? I normally see a doctor once a year. Thanks!""

""After I get my permit, can I buy a car and get insurance? I'm 19 & live in PA.?""

READ FIRST PLEASE. -I'm 19 and live in PA. -I'm getting my permit within a month. Two questions: 1. Can I buy a car with only a permit? 2. Do I get insurance before I buy the car or after I buy the car? 3. Also, I'm buying from a private owner. How do I register it, etc? Thanks!""

Staying on parents health insurance in NJ?

As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?

How much does a HSG test cost?

My gyno wants me to get an HSG test done. I have PCOS and am trying to get pregnant. I live in Georgia and have Blue Cross Blue Shield insurance. I wanted to know how much it would cost and if i truely need to have this test done to get the perscription I need to become pregnant.

Roughly how much would it cost to insure a 17 year old male on a renault clio 1.2?

Its silver and just a standard model (not sport or anything extra etc..) And is from 2002 (51 reg) any help appriecated thanks :)

My car insurance monthly rate is $92 how much is my down payment?

i need to figure this out through here if possible, i will pay $92 a month, state farm wants a down payment though they haven't gotten back to me with how much I'm going to need - I was wondering if anyone here might possibly know. Thank you.""

Do I need insurance to drive?

I'm 16 and I have a drivers license. Do you need insurance to drive? The car I'm going to drive HAS INSURANCE, but do I need insurance for MYSELF? Thanks""

What are the pros and cons of car insurance?

What are the pros and cons of car insurance?

Can I get car insurance under my boyfriend's name even though the car is registered to me?

My car is registered under my name BUT i want put my boyfriend as the primary driver on the car insurance. He signed over the title to me because of some private reasons but even though legally its mine I still see it as his. Anyhow, can I put car insurance under his name even though the car is registered under my name?""

Roughly how much is car insurance for a new driver in uk?

im going to get my license because i've been told it's good to have early. but i can't decide whether or not to look into getting a car. i just need a rough idea of how much insurance is. i have no idea what type of car. just basic. i just need a rough price please.

What does a saliva test took for when getting life insurance?

What does a saliva test took for when getting life insurance?

Can I drive my new registered car without insurance?

I have my driver licenese and tags and temp plate but no insurance yet but going to buy some car insurance monday but what I wanna know can I drive the car without insurance at the moment in chicago, il.""

Cheapest car insurance company?

i am 27 years old have a pretty good driving record with only 2 violations (speeding, and stop sign) in the past few years. i have a 2000 chevy silverado (strip model, 2 wheel drive, nothing to steal on the inside with 120k on in only worth like 3,000) i only want liability no colision insurence. does anyone know what company through experiance gives the best quotes? i onlly need bear minumum on this truck and only drive it part time.""

How much might insurance be...?

On a car like a 2008 Hyundai elantra for a guy under 25 if it was new?

Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

My niece has a sr22 bond and insurance can she drive a car with that?

i need to know cause she is driving is hat legal?

Uk car insurance help?

hi i'm 18 years old and i'm getting a car, obviously it needs car insurance can you give me any tips on what to do to get cheap quotes... i'm currently the only 1 in the family that will actually drive, my mum doesn't drive, no dad and when i went to sites like moneysupermarket and confused.com all i get are 4,000 pounds up!!!! per year, dam its a lot more expensive than the car!!! and can u please explain to me what no claims discount is?? and which cover should i get, comprehensive or the other options thank you!""

What Are Low Cost Term Life Insurance?

What Are Low Cost Term Life Insurance?

Anyone have experience with Medi- Cal? or some other heatlh insurance assistance in CA?

I live in California. I am afraid that I might lose my job and health insurance before I have the baby. Does anyone know anything or every been on Medi-Cal? If so how did it work? Or are there any other options in California for pregnant women with no health coverage? Any information will be helpful and thanks!

Rough Estimate For Liability Insurance?

Roughly what would is cost monthly for a million dollar liability insurance policy for a lawn/landscape business. The owners of the business would be under the age of 25

Cheap car insurance in london.name of company ? please?

Cheap car insurance in london.name of company ? please?

Is auto insurance less expensive in Colorado Springs than California?

I am looking to relocate from Los Angeles to Colorado Springs and just wondering if insurance over in Colorado Springs are less expensive. I mean for liability or full coverage..

Universal Health Insurance?

I am conservative but I go agree that we need universal health insurance. But I haven't studied too much in depth on it. In your eyes (both liberal and conservatives answer please) are the pros and cons of unversalizing healthcare? How would universal health care work for people with diseases like diabetes, cancer, AIDS? What about people who have not been diagnosed with diseases, and tend to only see a doctor when they are sick? What about preventive care (aka mammogram for women, prostate check for men)? What are experimental medical procedures and experimental medications? What about fertility clinics for women who cannot become pregnant? What about anything else I forgot? And please, no arguing, this is just opinions.""

""Families who live in America, how much is your health insurance per month?""

In an earlier question I mentioned that my boyfriend's parents are paying for his 24-year-old sister's health insurance after she got laid off and couldn't find another position and can't afford health care on her own, to the tune of $175 a month (and she's perfectly healthy) and was floored when someone said that was actually inexpensive. Btw, her parents insist on her having health care coverage for fear of her getting in an accident or whatever. I'm 17 and am quite obviously naive about the costs of health insurance, but I'm really curious about it, and would like to know how much it usually costs for a family to have health insurance in America. I'm in California. I don't know if it's more expensive depending on your state. If if you don't mind answering, how much do you pay per year, and how many people are in your family? Does it become more expensive as your kids get older? What kind of plan do you have? Through work or your own? Are you supportive of universal health coverage? Also: does anyone understand how Medicare / MediCal works and who decides who is covered and who isn't? Is it based on your yearly income? I'm asking because one of the reasons my boyfriend's parents want his sister to have insurance is that another family friend of ours broke her jaw in a roller blading accident when she was 26 and didn't have insurance because she was unemployed at the time, and not being able to pay the $15,000 hospital bill killed her credit score. Sorry for all the questions. I'm just really curious about all this.""

Why am i being forced to buy health insurance?

I don't understand it i am 20 years old am going to be starting my life out with my girlfriend, i am desperately trying to get a job and my girlfriend works at mcdee's and now i find out that i am forced to have health insurance? i can't afford that! even if it is affordable i struggle to buy a pop at the gas station let alone health insurance""

""Ford Crown Victoria Insurance, and Gas cost?""

For you crown vic owners, I want to buy a 2001 Crown Victoria. Is it a real gas eater or what? How much do you think the inssurance would be for a 18 yrs old men? I like them crown vics, except when it comes time to be in the back of them in handcuffs.""

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

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

How much is car insurance?

I know it depends on a lot of things, So what's an idealistic amount for a young teen w/ 3.0+gpa and a sports car be?""

Staying on parents health insurance in NJ?

As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?

https://www.linkedin.com/pulse/can-i-get-car-insurance-one-month-bernharda-mulder"

[captain-spookycandycollecti-blog]

What company provides cheap motorcycle insurance?

"What company provides cheap motorcycle insurance?

What company provides cheap motorcycle insurance?

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

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Im a 17 year old male, no provisional or no CBT. I am hoping to pass my CBT around october-november when im 18. I wanted to know whats the best bike to have and also the price ranges? id much rather a 'sporty' looking bike as apposed to others. I had my eye on a Varadero 125, hyosung GT125r or a yamaha yzf r125. The aprilia rs125 is nice but ive heard its expensive to insure? So if anyone knows the price ranges that would be great, or if any suggestions on a suitable bike that would also be appreciated. I live in the rhondda valleys, have no criminal record, could keep the bike locked up out back, if any of that helps? i know insurance is tricky but i just want to know which ball park i stand in. Thanks.""

""Totalled vehicle+switched over insurance to new car, old car's registration now suspended...Help!?""

Soooo I lived in Maryland and had a Nissan, someone hit my Nissan and it ended up being totaled. This happened the end of July and a few days later, I moved to Virginia to attend school. I ended up getting a Corolla. I switched my insurance from the Nissan to the Corolla thinking the insurance company would pick up the Nissan shortly after that. Well we are in November and the insurance company took 4 MONTHS to process my claim. They are FINALLY picking up the Nissan tomorrow. I just got a letter from MVA saying that my Nissan's registration has been suspended and that I have to return my plates. It also said that a penalty fee will be assessed for $150 for the first 30 days the Nissan hasn't been insured, plus $7/day for every day thereafter. I did the math and that's about $660! I do not think I should have to pay all this money because the insurance company screwed me over by failing to put my claim through. My claims agent even said that he forgot about my case! I haven't been driving the Nissan this whole time. Do you think that if I provide proof that I had been driving another car (Corolla title and insurance policy info), I will not have to pay these outrageous fees? I also have to submit a letter from the insurance company saying that the vehicle was totaled and the date of the accident, so they would know how long it hasn't been insured for.""

""I need a lot of dental work done and I don't have money for insurance, is there any programs or something I can sign up for?""

I was robbed at a job and got a tooth broke in half and I admit I never took care of my teeth as well as I should have, between our new baby and our bills I can't really afford Insurance or financing. i really just need a second chance, i feel like it holds me back from getting promoted and making a good first impression and id really like a better smile all around. is there any programs or something I can sign up for? I'd prefer for it to not be at the tax payers expense but I'm not above it. I live in california if that matters, thank you""

""If I get an insurance quote from a price comparison site, am I guaranteed the cheapest price?

Is there likely to be hidden costs?

Teen insurance question?

this is just a hypothetical question. but say your 16 and got a bmw 528i, 2008 version. what would your insurance rate be? including the following: you took drivers ed. family has 3 cars, so add the car into that pile. etc. thanks. ****JUST WONDERING****""

How much would insurance be for a 16 year old in GA?

I'm 16, I own a 2005 Chevrolet Cavalier LS Sport- 2 door, live in Athens, GA, drive less than 7,000 miles annually, drive to and from work and school 5 days a week... haha. I just want to know how much it would be monthly for car insurance on any of the companies. Any help would be appreciated. :)""

Driving without auto insurance?

what are the concusguences

Car insurance on a 95-98 toyota supra?

im 16-female..remain a B+ average. it would be full coverage... and i know the color can make a difference..prefreably white..maybe black. anyone know the ball park insurance price it would be for me?

Is medicare a good insurance plan or will a lot of things not be covered. I know there is no drug coverage.?

I recently started recieving medicare after becoming disabled, and pay over $100 per month to recieve this insurance out of my small disability income. I am wondering if this will ...show more""

How is 18yr old meant to get car insurance?

I live in London and passed my test in February. I own Renault Clio 1.2 And the cheapest quote i got so far is 305 pounds per month, which is way too much for me. What companies are cheap? What can i do to start driving legally, searching for insurance is frustrating Dont say price comparison websites they suck cheapest quote there was 8k per year""

What's the cheapest I can get car insurance for at 18?

I really want a car, but I don't know if I should wait it out, until I'm 20 and really need it. Right now, it's not a necessity, but it would help a lot. Should I just wait it out, or is there any way insurance is cheaper for an 18 year old?""

What are some affordable health insurance plans?

Besides medicare, what are some cheap, affordable insurance plans in the hudson valley, ny?""

What does comprehensive insurance mean?

I am trying to apply for state insurance for my daughter, who is currently on her fathers insurance through his work, and the rates have just gone up considerably. In the FAQ, it says that families who voluntarily drop employer based comprehensive insurance must wait 6 months to apply. Can someone please tell me what this means? Thank you""

Is there a CHEAP car that fits my needs?

Hey, Im a soon to be 19 year old, looking for my first car, I iwll be getting my licenses next month and was wondering is there like a cheap big body cars out there sorta like the ...show more""

What's the average state-farm-auto-insurance quote?

For a young woman getting her first car under her name with good grades (good student discount)? I'm trying to find out for a friend getting her first car

Will a citation for rolling through a stop sign raise my insurance?

I live in PA and just got my first ticket. I was driving in my neighborhood and was in a rush and I just rolled through a stop sign. I know it was wrong and stupid of me but I didn't think much of it. I am a teen driver and my insurance is high as it is, will this foolish mistake raise my insurance?""

First time driver and car insurance ?

I live in California and im 18 and im curious as to which of these two options is cheapest if my mom puts my on her car insurance policy so that i can legally drive her car anytime or if she can put my car on her insurance which is cheaper ? also if i drive my moms car sometimes like to the store or something and i have my license and the cars registration and insurance with me will a cop still give me a ticket becasue im not on the insurance policy or will they be cool because they just want to make sure the car has insurance ?? thanks

Why is my car insurance so high at 18? How can I get it down?

I've just passed my test and learnt in a 1.4 diesel and I have a peugeot 206 1.4 hdi, I had insurance quote for 1800 a month ago and now they are saying its 3700 I don't understand what's changed in a month what's the best way to get it down, I'm going on my Nans policy as a named driver and registering the car in her name and its still 3700! Any ideas? Thanks in advance""

""How much more will it cost to add another car to insurance for a teenager with license, already have to cars?""

I have already two cars with Mercury insurance, and how much more will the price raise to add a third car to Insurance for a teenager who has license""

Do you need insurance for a scooter under 50cc in Pennsylvania

""I have asthma and lost my insurance, help?

I live with my family an was fully covered on their MEDICAL. Recently I was put on share of cost and cant afford the deductable but I have asthma and can hardly walk a few blocks ...show more

""USA, health insurance. when you are 56 & cannot afford health insurance, is that a death sentence?""

doctors & hospitals in the US will not help unless you have insurance. so if i have cancer or any sickness, am I left to die.?""

Affordable Care Act: The Health Insurance Exchange concept seems to do the trick... so why complaints?

The Health Insurance Exchange idea allows individuals to come together and have the purchasing power of a large corporation. In this manner these uninsured people can get insurance at ...show more

What company provides cheap motorcycle insurance?

What company provides cheap motorcycle insurance?

""I was hit by an uninsured motorist, and I have an uninsured clause in my car insurance.?""

My car was totaled out, and since my car insurance had a non insured motorist clause then I just have to pay the deductible, and they will cut me a check. I was hurt in the accident, and I wanted to know if my car insurance (Progressive) will also pay out pain and suffering. I am considering taking this guy to small claims court, but if I do then I have no idea what the outcome would be. IF my insurance offers me a pain and suffering settlement then should I take it? can I negoiate for a higher settlement? Everyone is telling me to take whatever is offered to me because the guy that hit my car didn't have insurance, and could possibly claim indigentcy in which case I would most likely never see the money. I can get a pain and suffering settlement from my own insurance, but I believe that the person that hit me should have to pay it, and I am also assuming that I would get more money out of him directly than letting my insurance cover the pain and suffering. This is my first wreck that I have gotten into, in which, I was the party that was damaged (almost died), and the other guy only received a ticket. I know that life is not fair, but like I said before, this is my first car wreck where I was owed money and the other person did not have insurance. Any information will be much appreciated. Thank You Very Much.""

""I live in California, How do I obtain a state license to sell auto insurance?

Pls. show a website were I can see what are the requirements to obtain a license and explain well what it is and what to do.... Thanx.

My insurance say I have to pay for the other parties repair costs and hire costs?

Do I have to pay for their car hire costs? I thought their insurance paid for it as you have that option when purchasing insurance whether you want courtesy car or not?? please help

Ripped off car insurance?

my daughter was a named driver on my policy she hit someones car and made 400worth of damage the owner of the other car had already got scatches etc on there car my insurance company was told of this i have just found out that 800+ has been made against me it looks like i have been ripped off surely this is fraud the 400 was a quote from a garage

Cheapest car insurance for 18 year olds?

I know the rate is different for everybody but what do you think the best insurance company would be for me? I turned 18 in December, I've had my license since September of 2010, no ticket, accidents, etc.. and I drive a 98' Honda Civic.""

""Help, need cheap health insurance.?

I need to get cheap health insurance before the 31st. I tried through Obamacare but that is not an option right now. Online application will not go through and trying to call is a headache. Calls will not go through. I need real cheap health insurance so does anyone know where I can get low cost health insurance? I am in Washington state.

Can my brother drive my car without insurance?

My insurance company is with Statefarm. I'm the primary driver with full insurance coverage for the car. My brother just received his license but does not have any car insurance YET. Would it be legal for him to drive my car and if so, would my car be covered by the insurance company if he gets into an accident. I am from Canada, Ontario.""

What are some cheap Car Insurance Companies for Full Coverage in Texas?

Lookin for some cheap Auto Insurance Companies in Texas for Full Coverage.Any ideas?

""I had a dui 4 years ago, i am not a resident in NC and looking for cheaper auto insurance?""

4 years ago i had a dui, now i am in NC and looking for car insurance that will be cheaper than expensive lol, eventho i have a dui""

""How much roughly is insurance for a 17 year old driver, on a 125cc bike?""

How much roughly is insurance for a 17 year old driver, on a 125cc bike?""

""Got into an accident , I have no car insurance but my dad has car insurance , will my dads insurance cover me?""

I failed to yield , I'm supposed to appear in court, what will happen? I'm under 18 and live with my parents and the damage wasn't a lot , just a scratch on the car I hit, will my dads insurance cover me? I don't use it a lot? What will happen? I also live in Illinois""

""I'm not covered by car insurance by my parents insurance, I still live at home,..?

They don't allow me to drive the cars because I'm not covered. Can I drive the car when it's in another house that they own?

Will my car insurance cover this?

My car was parked in a parking spot at my apartment complex last night as it always is when I'm here, and this morning I go to my car and notice a decent size dent in my hood. It must have been done by some rowdy drunken fools last night. Will my insurance cover this?""

What's the cheapest car insurance for an 18 year old student with a 2002 jaguar X-type?

I'm an 18 year old with a jaguar X-type, no accidents, nothing bad, driving a safe car, I'm looking for an insurance that isn't crazy expensive, my dad with 3 cars pays $200 a month, I don't want to add $300 a month for 1 car! the lowest I've seen is acceptance Insurance which was just under $200, are there any better insurance deals for teenagers in safe, non-sports cars?""

Which is better car insurance?

$500 per year with an excess of $1150 or $560 per year with an excess of $900 These are the 2 best insurance quotes i can find. Both are big reliable companies.

How much would my car insurance be ?

Im getting a car in a few weeks ( sitron caxo forte) its for free of my girlfriends grandad. I need to know what else its going cost me though, because all the car insurance websites make me fill out to much information and I don't even have the car yet.. I will be 17 in a few weeks and it will be just me driving the car.""

How much for car rental insurance?

hi i will be renting a car for 2 weeks and i need to know whether it is necessary to take car insurance and how much would it cost? also will it vary if I am less than 24yrs of age? i do not own a car and so dont have any auto insurance. i just need to know an approx figure... :)

Violations that show up on insurance quotes in nj?

About 2 years ago i got a ticket for not stopping at a stop sign. I went to court and they knocked it down to something so i wouldn't get any point and just pay a fine. I don't remember what they knocked it down to. But why is it still a concern on my auto insurance. I didn't get any points so should it matter?

Car insurance and accidents?

I was at fault in an accident. So insurance had to pay the damages and premiums will go up. Will it go up higher if I have them fix my car also? If I fix it myself will that cause it to go up less than if I use insurance money?

Maternity Insurance?

Does anyone know of a good insurance company with maternity insurance? I'm not pregnant yet, but me and my husband are talking about starting to try, and need to get insurance first. I would like to find a company with very little or no waiting period. Any suggestions?""

I am a new driver with insurance queries.can anyone help me?

i am a new driver and i am thinking of buying a cheap,affordable,small car (ford ka). The problem is that if i put my father's name as the main driver,who has his licence since ages,and put my name as a 2nd driver, how much approx. will my insurance come down to?+ i got my pass plus.""

How much does points on your license affect my insurance?

I would like to let you people know that I'm a full-time student, and that this month has to be officially the worst month of my life. Throughout this month I've been pulled over twice, and the reason for them are pretty stupid if you ask me. I basically see it as being at the wrong place at the wrong time. The first time I got pulled over was while I was getting off a red light with a car in front of me. I got hit with 3 tickets. - Tailgating, (supposedly I was too close to the other car when i was getting off the red light) - Careless driving, (don't know how this plays a roll in why I got pull over) - Loud muffler, ( just got it back from the mechanic that day and had a leak on the exhaust) The second time I got pulled over I stopped on a red light and checked if I can make a right on red, there was no sign stating I can't, so I went ahead and turned red when possible. I was given two tickets. smh -____- FML - Failure to observe traffic control device ( don't know how if I clearly noticed it was red) - Careless Driving _______________________________ Aside from the facts that they are points on my license, I'm going to do my best in trying to take some courses that can remove the points they gave my license. All in all, how much will this affect my insurance. Again FML, I'm a full-time student who commutes and has no job.""

How can i lower my car insurance quotes?

hi im 16 and am soon going to be able to drive so i have started to look at what my inurance quotes will be for a newly qualified driver, and there to high at 3000+ for a renault clio with a 1.2 engine. Just wondering how i might be able to lower this figure with some kind of higher qualififed driving licence, if there are any compaies that insurance new drivers for quite low amonts or if i am just going to have to wait until i am older?? thanks""

Car Insurance Question... PLEASE HELP!?

My sister bumped another car when she was backing out, when the car saw her backing out but still went ahead and there was no damage. My sister, in a moment of insanity, gave the woman, who is an attorney, her insurance number and some other information. All she took from the woman was her name and email. Now we have a claim coming in. We have no idea what to do. She is still in college, and is under my parent's insurance. There was obviously nothing wrong with the car. My parents are beside themselves with worry, because the claim could mean anything from $50-$20,000. Words cannot explain my anger towards my sister's naivety in the human race. What can we do? We will know more about the claim tomorrow.""

Cheap car insurance in north london?!?

Hi. any advice on cheap car insurance living in north London for a 18 year old female. I am getting ridiculous quotes. Any advise appreciated Thank you.

What company provides cheap motorcycle insurance?

What company provides cheap motorcycle insurance?

What is the average cost of insurance for a teenage driver per year?

I'm 17, and in about a month I'm getting my provisional license. My parents are having me pay for my insurance, and I was wondering if anyone had a rough idea of what I might be paying. Thanks!""

What co. has the best car insurance for teens?

I 18 and want to get my own insurance

Insurance's on a 16 year old driver?

i am 16 years old and i am looking for cars.. i found a used 2006 audi a6, i really like it and i want it to be my first car!!! does any body know how much it would cost too insure me under it ??????????""

Buying a car + insurance?

I currently do not have a car nor insurance. If I buy a car, am I supposed to get insurance first and then the car, or a car first and then insurance? How does this work? This is in Washington.""

How can I get medical insurance?

I been diagnosed with Crohn's disease for a few years now so it's been very difficult trying to get any medical insurance. I was wondering how can I get it without any more problems?

A few questions about SR-22 Insurance?

Alright, so I'm getting slightly annoyed of the DMV as I've visited them three times already an had literally no progress made in all those lame visits... Anyways, I only got insurance so I can drive, but my car has failed smog three times now so that wont be happening and I'm now paying non-owner SR-22 insurance. Here are a few questions I have about the SR-22 and any input would be much appreciated. 1) What are the exact consequences if I choose to cancell my non-owner SR-22 insurance? I acknowledge that I will have to restart the process all over again when I want to reactivate it, but will the price be raised even more and the time frame? 2) Who do I call to find out how long I have to have SR-22 insurance; DMV or Local Court? 3) When does the SR-22 officially get activated, when the judge orders it or when I first started paying for the insurance? (I'm asking this because the insurance company I'm with is saying I shouldn't cancel because it will restart; I got the DUI 2 years ago and acitvated the insurance about 2 mounts ago.) I'm planning on going to a 4 year college so I don't want to be paying not to drive...! *I live in California if that helps you answer the question.""

Car insurance?

I 've gotton two tickets within four months of each other. What are the chances that my car insurance rate will go up and by how much? i live in california and have Mercury Insurance.

Who are the cheapest insurance providers to new drivers???

im 17 just passed my test. who would make the best and heapest company to insure my 2001 1.0 corsa with

Motorcycle insurance in Ontario?

Hi I will be turning 17 in a few months and plan on getting a sports bike such as the ninja 250r or the gs500f. I am just curious if someone could leave me a rough estimate on how much insurance would cost me if I were to insure one of those 2 bikes in the province of Ontario. Thank you in advance.

Becoming an insurance agent in Texas?

How does one become an insurance agent in Texas?

How much is a Car for a 17yo?

How much is a car, insurance, lessons, test, tax etc.... Everything! For a 17 year old Guy. Just for a cheap second hand car ie. Peugeot 106 (second hand) But how much will it all come to? Thanks""

Best car insurance for 16 y.o. boy that is getting his license?

Cheapest car insurance for the coverage you get? discounts for grades?

Does Car Insurance Still Go Down On Parent's Insurance?

Basically i am going on my parent's insurance but as a named driver only. I know the risks of it and was wondering what will happen when i turn 25 Will my insurance still go down or will i have to pay a full insurance due to only being a named driver ?

Which job has cheapest car insurance?

what job do i have to get to get real cheap car insurance

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

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

What does initial debit mean in health insurance?

I got a mail for recently applying for health insurance from Blue Shield of California. It says: Your coverage (individual) is currently paid 12/12/10. Effective 01/01/11, your monthly dues/premium will automatically be debited from your account on the first of each month.Your first debit will be in the amount of $142.09 to cover the period from 12/12/10 to 02/01/11. After this initial debit, regular withdrawals of $87.00 will be made on the first of each month. Ok, so I understand I am supposed to pay $87 each month. But I don't understand the initial debit where it says I have to pay $142.09. What is that amount for? What does it mean? Why is it covering from December to February? Almost about 1 to 2 months. Is that some sort of special payment everyone has to pay for health insurance? Can someone please explain this to me? I never applied for health insurance, so I'm not familiar with how things work. Thanks.""

Motorcycle Insurance in Ontario(re asked)?

Hello, I am a 20 year old female looking for motorcycle insurance for a Honda CBR 250r with an M2. I have never owned a bike before and have a clean driving record. Like most people my age it is nearly impossible to get insurance that is affordable if you are under the age of 25. If anyone knows of an insurance company/brokerage that would give a quote below 2.5k a year please give me any way I can contact them. I live in the Ottawa area if that is any help as well.""

Insurance on car group 3?

I'm 17 and only just started driving, i'm looking into buying cars and I can't afford a high insurance price i'd say my top price would be 1800 pounds, i'm looking for buying a car with insurance group 3. Is this to high? will the insurance be through the roof? i'm not very experienced with this so all help would be welcome.""

How much does a Yamaha YZF R125 cost? And how much is insurance/tax per year?

Cheers :)

How to get into a new Car Insurance?

About 1.5 yrs back my wife scratched another car while parking. The claim was settled using insurance. The expense was about $1500. Ever since that the insurance company, AAA, has been increasing our premiums by abt $35 on every renewal. Now I cannot switch or shop with other insurance company since they give quotes much higher than this company. But apart from this one incident we do not have anything else on our record. Also I get discount for Home+Auto insurance. The company increased prices on our Home Insurance too. I am badly stuck with this company now. I would like to buy Auto+home from one company itself. But I really cannot move my Auto Insurance. Please give suggestions.""

Car insurance stuff i don't understand.?

Hello everyone, I am an international student who's been in the USA (Buffalo, NY) for the past 2 years working hard on my masters (i'm 25 now). I bought a POS Saturn last year for 2000 dollars and, well, for that i needed to get car insurance since it's mandatory in this country. Since i was from abroad and i had a learner's permit at the time, i had to get insurance with my international license. Progressive was my only choice so i paid around 700$ for 6 months. That's the rate I've been paying for the last year. Unfortunately, i just don't have the money anymore to pay 700 more dollars for the next 6 months. I tried different insurance companies but they are all around the same range. Apparently, i was stupid enough to not get a credit card as soon as i landed in this country. I was raised with the if you don't have money, don't spend it philosophy so i just used my debit card. This is the only reason that i can see for these absurd rates. Every single one of my friends ( all international students ) pay around 200-250/six months dollars for their pieces of crap cars. I just feel like i'm not being given a fair deal. Not having any credit might put a penalty on me, i understand somewhat how a capitalist mind works... let's say about 100-150 more dollars for 6 months, but a whopping 500 $ ? Don't you think it's kind of messed up that first of all it's mandatory, and then there's no baseline to at least make sure that noone gets ripped off. Is there any way that a person can inquire why he is being charged so much(instead of the bs the agents tell you i.e your area is bad etc.)? Or are you at the mercy of these people?""

Health insurance for baby? PLEASE HELP.?

Me and my baby's father are not married. I am under my father's insurance. Baby's father has his own insurance that baby will be covered under. (Bluecross Blueshield) Do I need to contact Bluecross Blueshield before baby is born? Or do I have 30 days after birth to contact his insurance company.

Can my mum use her no claims to insure my car?

I plan on buying an 05 reg fiat punto active sport for my first car. Obviously being 17 if it is my own insurance it will cost ALOT, whereas if i am just a named driver i can get it for around 1800. I realise this is illegal and many people frown upon doing it but in all honesty she will drive the car just as much as me. She has been told that if her no claims bonus is already being used on 2 other cars, it cannot be used to gain a discount on a 3rd, i will be using direct line, is this true or can we use her ncd?""

How do i get car insurance if i dont have a car???

i want to finance a car but i cant do that without insurance, how do i get insurance without a car?""

What is the cheapest teenage auto insurance in texas??

in austin, texas just got a permit ....drive a honda,-accord ... am going to be 16 in like 4 months""

What company provides cheap motorcycle insurance?

What company provides cheap motorcycle insurance?

What percent of damage will Infinity Insurance total a car in california?

according to kelly blue book, car is valued at 15,660 for private party sale damages came out to 8,566 that is about 54% in damages i dont want to drive a car that is this damaged, because it wont be as safe, even after repair. if its not quite at their totaling percentage, is there a way i can insist or push the insurance into totaling the car? and would the fact that Infinity is a real cheap insurance effect their percentage to total?""

I have my driving test soon need insurance help im 17 could go on mums insurance but lowest quote is 1500?

and thats with a box in the car but lowest quote without box in lowest quote 3500 and lowest quote on my own insurance 4000 her car is a 1.4 54 plate fiesta on my own it would be a banger old car

Best mediclam health insurance plan in India ? Mumbai?

I am 34 yr old and my wife is 26 year old i want to purchase a mediclam health insurance policy which cover both with maternity benifits and OPD charges etc. Please suggest me the best offer & plan of insurance company which is having cashless facility and good service . can i take the policy online . thanking you

Does anyone know a home owner's insurance company that will cover Pit Bulls?

Attempting to buy a home and need homeowners insurance.

Life insurance and mortage insurance?

I just bought a house and i have a new baby. Yay me! im 24 and I keep getting calls and letters about life insurance and mortgage accidental death insurance. Does mortgage insurance work like if i die will they pay my loan off so my son can keep my house? it says its 10.56 a month and will cover up to 200K my home loan is only 88k should i shop for something cheaper? and as for life insurance i have a 30k with my job but i want something private and someone told me do a term insurance. what happens after 30 year term is up? does my son not get that money anymore if im not passed on?

Really high auto insurance rate question?

My son, who just turned 18, has a pretty extensive traffic record. Firstly he got a ticket for passing in a no passing, but he went on diversion and was clean for more than a year so is that off his record now? Secondly he has also been in 2 wrecks before, gotten arrested for possession of marijuana, and just today got a speeding ticket for going 63 in a 45(163 dollar ticket). currently the insurance for him is 190 a month which is five times higher than anybody in the family. So what should i expect the insurance to be now, and what are my options because this is a lot of money.""

Is car insurance cheaper in manhattan than queens?

Is car insurance cheaper in manhattan than queens?

How long on workers comp can you keep you health insurance from your work?

i mean like for things not related to my work injury? how long do they have to keep my job for me?

""I heard that if you have good grades, your insurance rate will go down.?""

I'm about to get my permit this summer, but I have one F (I'm not a slacker, but I just couldn't handle the work) Anyway, my mom said that if I don't get this F up, I can't get insurance, cause nobody will insure me. Is this true? Also, another question... Do I only need insurance on a car, or do I need my own insurance or could I drive my mom's car legally (when I have my permit)?""

Teen car insurance questions/advice?

I got my license in June and im obviously am going to be on my parents insurance and will have to pay my share. I know its gonna be costly but can any ither peoPle who got cars/car insurance when they were a teen with a teen type job payed for it all? Any advice? From online quotes ive done its roughly 200$ a month with a large 1st payment and it will be shared but its still alot on top of other car expenses. Any help or advice will be loved

Car insurance estimate for a 18 year old?

Does anyone have an idea of what car insurance would cost for a 18 year old insuring a '92 Isuzu Rodeo? I've gotten one speeding ticket (10km over) in the past year. And I don't have a specific insurance company I'm asking about, just in general. Thank you!""

How much would car insurance cost for me?

i am 17 years old, have a clean record, and am earning a 3.0 gpa...anyone have any price range?""

What is the cheaptest car insurance company in Maryland.?

I am living in college park md, i am a college student who recently got my driver license, which car insurance company is the cheapest in Maryland.""

Will my insurance go up?

My brother got a ticket while driving my car, will that make my insurance go up?""

How do I get health insurance at 19 years old?

Hi I am a 19 year old college full time female student and I cannot be covered on my mom's health insurance because she is on disability. I don't have the money to just go to a hospital or even the money for gas to go to the free clinics which are 20 miles away or so. My fiance and I are needing health insurance but every time we apply we get turned down. Can anyone help us by telling me some answers?

Does 2 Insurance Policies Affect Each Other?

I am going to be buying a car and the cheapest way of getting insurance is by naming my mum the named driver of the car and i was added on..but she is worried that if i crashed it would affect her no claims bonus on her other policy..would it?

Rental Car Insurance-I don't have a auto insurance.What are the coverage i have to buy from rental company?

Hi,I'm new to US.I stay in california.I want to rent a car and confused with the insurance options.could anyone help me,what are all the coverages(LDW,SLP etc) that i need to rent a car?.I don't have a personal auto insurance.""

Why do hundreds of thousands die every year WITH health insurance?

Should we ban it? Isn't this the same argument as Dems use when they say 45,000 die with no health insurance? It's not because. In fact, there was a study done. Here are the results: The possibility that no one risks death by going without health insurance may be startling, but some research supports it. Richard Kronick of the University of California at San Diegos Department of Family and Preventive Medicine, an adviser to the Clinton administration, recently published the results of what may be the largest and most comprehensive analysis yet done of the effect of insurance on mortality. He used a sample of more than 600,000, and controlled not only for the standard factors, but for how long the subjects went without insurance, whether their disease was particularly amenable to early intervention, and even whether they lived in a mobile home. In test after test, he found no significantly elevated risk of death among the uninsured. See that? No elevated risk of death among the uninsured? Do some of you get that you're being played yet? I'd love to see reform, but should we concentrate on the common sense Republican solutions to bring down costs?""

First time driver (18 years old) how much should I pay for car insurance?

I've got my test booked in a few days (fingers crossed) and I've been looking at cars and still haven't decided... I need a few ideas on what would be cheapest to insure. However I am slightly picky and do not want to be driving around in a hundred year old baked bean can!! If people who are a similar age can just tell me what they drive and how much they paid for their insurance it would be very helpful! Or if people could just give me some ideas on cars and stuff it would be muchos appreciated! Thanks!

How much would car insurance be for me?

I'm an 18 year old I'm male. I recently dropped out of high school and I have a 2005 Toyota matrix I live in colorado How much would full coverage be for me on average a month?

""Car payments, insurance and registration fees?""

I want to buy a car soon, but besides the car payment I was wondering how much it costs to register the car. Also I dont know if I have to register a car if Im buying a used car (itll be a newer year, but used). Im only 18 (female) and I just received my license a little while ago. Also how do I see how much insurance will cost me? Im on a budget because Im also attending college (graduated high school) and Im paying for everything myself. I do not have people to rely on for any financial aid. Though, I may ask for a car loan if I can get one. I live in the sate of Oregon (If laws vary in different states).""

Insurance question: Uninsured car in accident?

My son (17) had permission to drive his uncle's car to the store when he was staying at his house. My son is in an accident and the car is totaled. I now find out his uncle does not have insurance on the car. Am I responsible for replacing the car? Does his uncle have any liability at all? I have full coverage on my cars. Will my insurance kick in at any point?

How much will insurance be on an R6?

So, i'm 19 and have had my full motorcycle license for a few months now however I can't seem to find any insurance quotes online for an r6 below 2800 a year. Now i've seen 18 year olds online who own an r6 yet am wondering what I should do to reduce this cost to something more realistic. I have a full car license and drive a car however 0 no claims bonus as I am a named passenger. I also specify that the bike would be locked in a garage with added security features. I also owned and rode a 250cc ninja for about 7months but still this ridiculous price appears... HELPPS?""

Insurance cost on 73 Camaro for 17 year old male?

So im looking into buying a 73 camaro from this guy i know and i was just wondering what the typical price for that type of car would be... and yes im 17

How long does it take insurance companies to create your insurance?

My father just bought a mercedez sl 500 convertible. Its a 2000. We got it on saturday. Call the insurance to transfer myself onto the car on monday. todays wednesday and still no word. How long will it take for them to rate the car and post me on the insurance?

What company provides cheap motorcycle insurance?

What company provides cheap motorcycle insurance?

https://www.linkedin.com/pulse/best-homecondo-insurance-companies-estella-adams"

[seokhan4u]

Selling SEO – How to Generate SEO Leads for Your Business

How to Generate SEO Leads

Selling SEO is tough business. Most biz owners have horror stories of shady SEO companies who took their money and literally did zero work.

On the other hand, some business owners will buy a $99 SEO package from YP or Dex and think they’re going to dominate the payday loan market. Those $99 SEO companies exist for one reason: To give the biz owner a reason to say NO to other companies who want to sell them things.

Either way, it’s really hard to sell SEO these days. In this post I’m going to teach you how to generate SEO leads. It’s a lot of work but it can pay off – big time!

Tools I Use

(I’m not putting affiliate links in this post. Just use Google to find these tools if you need them)

Scrapebox – For scraping emails.

Atomic Email Studio – Verifying and sending email. This also has some great tools to help you manage very large email lists.

SMTP Providers – Amazon SES, Sendgrid, Mailgun, and SMTP2Go. You need a high volume SMTP provider if you want to scale your cold emailing. Forget MailChimp, Gmail, etc. Spend the time setting up a legit email system.

Paigham Bot – For contact form submits.

CallRail – I use this route calls to my sales team. I also use it in other parts of my business.

Text Mechanic – I use this free tool to manipulate text files. Very helpful.

Sales Genie – Around $100 p/m for view-only access. Complete database of all businesses in the USA. Can filter by niche, sales volume, # of employees, etc.

Why Do People Struggle to Generate SEO Leads?

Because it’s not easy. Also because there a million products and courses that claim lead generation can be easy. Yes, it gets easier over time but that’s only because you’ve improved your processes and have a found a proven, repeatable method that you can scale.

Another reason people struggle to generate SEO leads for their business is because they afraid to execute. They’ve heard that cold email is spam (legally it’s not), or that cold calling is annoying to prospects. The fact is, these prospects don’t know that they need SEO (else they would already have hired someone). It’s your job to show them that not only do they need SEO but that you are they person should buy it from.

What if I’m not a good salesperson?

Not everyone has a knack for sales. That doesn’t mean you can’t learn though. You just need to put all of your preconceived notions aside and focus on one thing: making money for your business.

3 Platforms to Generate SEO Leads

I use 3 different channels to generate my SEO leads. I’ll highlight their strengths and weaknesses below. I’ll also show you the tools I use.

If you think cold email is spam, just turn back now. If you think that you must sound professional at all times when dealing with SEO prospects, you’re in for an awakening.

I won’t give you all of my SEO lead gen secrets, but I’ll give you enough to put the puzzle together. If you want to pay me to setup these systems for you, you can contact me and we’ll figure out if these systems are right for you.

Channel 1. Cold Email

Cold email for selling SEO is a tried and true method, yet so many of us fail.

People fail with cold email for a couple different reasons:

The messaging is off and reads like a sales pitch

Not enough emails are being sent (you can’t send 50 cold emails and expect a good result)

The proper tools are not being used (people send email from joeSEO(at)gmail)

People are afraid of offending the prospect by emailing

Writing Cold Email for Selling SEO

Crafting your message is probably the most important part of cold email. I see a lot of people sending long, drawn out emails that nobody has time to read. I also see people trying to sell the prospect in the initial email.

Cold email is not used to sell SEO, but to generate a lead! The selling takes place in subsequent contact with the prospect.

Your email doesn’t need to be longer than  2-3 short (1-2 sentence) paragraphs. Make it direct with a good call to action (either visit a landing page or call you – or both). Grab their attention, generate an inquiry, and put them in your pipeline.

This is a sampling of calls that come in from cold email. Most prospects will submit the contact form but some just want to call in and talk right away.

Niche Down Your Emailing

I’ve found that by focusing on one niche at a time, and crafting a message specific to that niche, you can pique more interest than just a general SEO sales email.

Landing Page

Each landing page contains my phone number and a contact form – two ways for them to get in touch. Some people want to talk on the phone and some just want to fill a form. Give them both options.

I make a landing page specific for the industry that I’m targeting. If I’m targeting roofers, I make a landing page specifically for roofers.

Doing this makes you appear to be the specialist in their niche. Whether you are the specialist or not, it’s important to make them believe you are to generate the lead.

Offer a lead magnet such as a competition report or site audit. Also, make sure the language in your landing page is direct – just like in your email. People don’t care about your link building skillz, they care about getting more customers for their business. Don’t talk about anything technical on your landing page.

Here’s a landing page that prospects are sent to from the cold email. Notice they have the option to call or fill out a contact form right away.

Follow Up

CALL THE PROSPECT!!

When you get a lead, pick up the damn phone! I see so many agency owners that just want to close sales via email. This is definitely possible, but if you call the prospect immediate after you get their lead, your chances of landing the client improves dramatically.

When you call them right away, you’re still fresh in their mind. As a business owner you know how busy you can get. If your prospect gets busy and forgets about your email and landing page, they’re likely to tell you to eff off when you do finally get around to calling them.

When you call, start talking about their business. Figure out if they’ve had a negative experience with SEO companies (99% chance), and do what you can to make them feel at ease. this post isn’t about sales methodology so I won’t say anything else about the sales process. Just make sure you call them as quickly as possible after they contact you via email or form submit.

Channel 2. Facebook Ads

Facebook ads can be an awesome source of SEO leads if you know how to target properly. See, Facebook doesn’t give you the option to target just roofing business owners or carpet cleaning companies so you have to use your wits and figure out how to reach these people.

Even on Facebook, I make my ads niche specific. It’s important to niche your advertising down because people are more likely to respond if they think you are the expert in their industry.

I personally use the Facebook Lead Form ads because it’s super easy for the prospect to complete the form. My lead cost ranges from $3-$7 depending on the niche. One time my lead cost was as high as $12 but that only happened once.

How to Target Business in a Particular Niche on Facebook

This is the hard part and doesn’t work for every single niche. I’ll give you my recipe for roofing companies since I already beat that niche to death with Facebook ads. See below:

You can just copy my settings if you want.

Channel 3. Cold Calling

Very few people actually enjoy cold calling. However, in most lines of business, cold calling is the single most effective way to build your pipeline. This is also the case with selling SEO.

There are many gurus out there that will sell you the dream of a “completely hands off customer acquisition strategy” or some other load of crap. There are some successful inbound strategies but if you’re just starting out or making under $15k p/m from client SEO, cold calling is the way to go.

Anatomy of a Telesales Cycle

Unless you’re charging more than around $3k p/m, you can expect close sales over the phone in 2-5 calls, plus some emails back and forth to the prospect.

Your goal on the first call is not to close the sale, but rather to build the prospects interest and get them asking you questions. The best way to do this is by asking them flat-out if they can take on additional customers. It’s kind of a no brainer question but it gets them used to saying yes to you early on.

Here’s my telesales sales cycle:

Call 1. (5 – 15 mins) Get them interested, get them used to telling me yes, and qualify them as a legit prospect.

Call 2. (10-30 mins) Review my findings, discuss competitors, negotiate price.

Call 3. (10-30 mins) Closing. Give them a high-level overview of the next steps, accept payment, follow up email requesting logins.

What to Say on the Phone?

When cold calling, you’ll get hung up on, encounter rude gate keepers, and generally get beat up on the phone. You just have to power through and not let things bother you. If you are starting from $0, make 100 dials per day and stick to a script, and you’ll get sales. Even a blind squirrel can find a nut.

I’m not going to give you my scripts or any in-depth tactics. There’s plenty of content on YouTube about telesales. What I will give you is some insight into the mechanics of a sales call. The main thing you need to know and practice is objection handling.

SEO Sales Pro Tip:

People tend to buy from people who are similar to them. Try to mimic your prospect. If they’re a slow talking southerner, then slow your pitch down and match their tone. If they’re a fast talker from New Jersey, speed it up a bit so they don’t get bored.

For example, when the prospect says, “I’ve been burned by SEO companies in the past”, you need to know how to handle that and not let it end the call.

If a prospect said that to me (and they do all the time), I would say: “I can understand. there’s lots of shady companies out there. I don’t have affiliation with any companies you ever worked with in the past. Can you tell me how they screwed you over?”

So basically, you remove yourself form being associated with the shady companies and then ask a question to keep the conversation going. You always want to keep the conversation going. If they’re sick you, they’ll just hang up the phone. No need to give them an easy out.

Common SEO Objections:

I’ve been burned before. – Answered above.

I don’t need SEO. – “Yeah, I mean, it’s not like you’re going to go out of business or anything. I’m just telling you that I can make your phone ring off the hook by beating out your competitors. How do you get most of your customers currently?”

I’m working with another company (Dex, YP, etc). – “Those companies sell something that they call SEO. At the end of the day, you’ll never know if it was effective or not. What I can promise you is that your competitor is getting at least 3x the amount of calls you are by being #1 on Google. I know for a fact they’re working with an SEO company. When’s the last time you tried to really dominate your local market?”

I tried SEO and it didn’t work. – “I hear this from time to time. The fact is, real SEO does work. It’s how your competitors are sitting at the top, getting all the calls. I’m not affiliated with any other company you’ve ever done business with so I can promise you it’s not my fault that it didn’t work before. If you really want to increase your sales and get more calls, I’m the guy that can make that happen. What was the company you worked with in the past?”

There are other objections such as objections on price and other things but those can further through the sales cycle. The objections above the ones that usually appear in the beginning and will need to be overcome in order to further the sales process.

As you start to hear more objections throughout your sales presentation, you can craft your own responses based on your own personality and knowing what works for you.

Are You Ready to Make Money?

At the end of the day, you need to make money. Are you going to follow the gurus who promise easy cash methods or are you going to pickup the phone, grind it out, and make yourself rich?

If start closing a bunch of sales and need complete fulfillment, click here for white label SEO services.

from Selling SEO – How to Generate SEO Leads for Your Business