#I make like 150 dollars more or less I’m making minimum wage here
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Hello variously irresponsible fellow losers someone please give me the mental permission to spend money on things I want because I can afford it, it makes me happy, and I’ve earned all of the money for it. Just external validation because I Earned The Fun Thing. Please.
#chaoticbuggybitchboy#I earned the money with my big kid job and it’s to spend money on fun things for bands that I like#and there’s this stupid little voice in my head saying that I need to save my money because I don’t have very much#and sure yeah I shouldn’t be spending this much a week bc this is literally how much I make a week almost#<- it’s 1 day of work and I work three days per 2 weeks#so its 1/3 of my paycheck#which is not very much#I make like 150 dollars more or less I’m making minimum wage here#but yeah anyways I can afford a 50$ purchase of little treats once a year#esp since I’ll be able to get a job when I graduate and I’ll work the whole school year too#I don’t need to sit in the corner rocking over this#but uh yeah here I am
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Catherynne Valente schools her racist neighbors about the asylum seekers in their midst
[Author Catherynne Valente (previously) posted this outstanding rant to her Facebook page; I asked her permission to repost it here so it would have somewhere to live outside of the zuckerverse and she graciously gave her permission -Cory]
I live in Portland, Maine. We have recently had an influx of African asylum seekers and the city has been scrambling to find shelter and support for them.
Cue NextDoor, that wretched hive of scum and villainy. Every day someone would post some new hateful jingoistic nonsense about how horrible these people are and that they need to get out of 'Merica and leave it to the 'Mericans.
I try not to get involved on NextDoor because I live in a small community and I have to see these people at the ferry dock. But I got mad. And I got involved. And it got long.
So I decided to share it with you. Please feel free to share it with others who might need to hear it.
You know, I was going to let this thread go by without saying anything. It's not worth it, I said to myself. These people aren't going to listen. But y'all can't stop being hateful and I'm tired of getting notifications that someone else is being and absolute bell-end about their fellow man on NextDoor.
So buckle up.
First of all, "they" aren't illegal. They are asylum seekers. It is legal in every nation on the planet to seek asylum, and they are abiding by the law. Just like our friend with his grandfather's naturalization certificate at the top of the thread (which is from 1928, by the bloody way, predating the Hart-Cellar Act of 1965 which completely overhauled the process to enter this country, specifically to make it harder for minorities because human beings will keep a rock as a pet but cannot think of other human beings as brothers unless they look *exactly* like them. And even then). THEY NEED HELP BECAUSE THEY ARE FOLLOWING THE LAW. The law forbids them to work for 6 months after entry. If they were illegal, they would just start working one of the many menial jobs that have no problem hiring underpaid immigrant labor.
Second, these people are not hurting you. In any way. I would be shocked if anyone yelling about those terrible no good very bad fellow human beings had ever met even one of them. Many of them are educated and skilled. Many of them are Francophones, making Maine a wonderful place for them to reestablish themselves, as there are still pockets of French speakers in this state. Every single study shows that immigrants and asylum seekers are a net benefit to the economy, that they get off of social services much faster than homegrown welfare recipients, that they become entrepreneurs and hard workers. And yet you hate them before they even arrive.
And if you want to talk to me about how some of them are Muslim, and might bring their naughty repressive Muslim African culture into wonderful, flawless liberal America, let me tell you about Alabama. And Georgia. And Ohio. And North Carolina. And the Supreme Court. The people who are right now actively seeking to curtail my rights to my own body, to prevent me from voting for my own equal representation, to empower the companies that may employ me over myself, are as American as the flag, fireworks, and goddamned apple pie. These are individual people with no institutional power, and you have no idea what they think or believe about anything because you don't know them. The people with institutional power are hurting us all. Right now. And I don't see any angry threads on Next Door about it.
OMG BUT MY TAXES.
I. Pay. Taxes. Too. And my taxes go to support an aging Maine population, to give them healthcare, food stamps, housing subsidies, social security, and myriad other avenues of support. Support that will almost certainly not be available to me when I am old, because the very generation receiving my tax dollars has repeatedly voted for the downsizing and existential dissolution of the programs they enjoy. Yet I still pay. I pay for you. Knowing I will get nothing in return.
But you know what really pisses me off about where my tax dollars go? It isn't that they support an aging conservative population with the free time to post endless hateful multi-exclamation point capslocked screeds on the Internet. And it goddamn well isn't that 86-150 families (god, how few human beings it takes to turn on the histrionics) who have been through the most heinous and unimaginable cruelty, violence, and persecution might settle here in this state where all the young people actually born here are fleeing at rates that would snap your neck.
My tax dollars and your tax dollars and all of our tax dollars are going to build a megayacht dock in Portland so that more uber-rich assholes have a place to park their massive pleasure boats, boats that cost more than those 86-150 families could ever need.
My tax dollars and your tax dollars and all of our tax dollars are going to subsidize developers who smell fresh meat in our city so they can build more luxury condos none of us can afford (and again, the sale price of three or four of them on the West End would cover everything these families need), condos that will sit empty for all but two weeks a year so that a few families can look at the water and stuff themselves with lobster butter while complaining about live music to the point that our festivals get cancelled so they can go to bed earlier, murmuring as they drift off to a dreamland none of us can make a down payment on that Portland used to be so much better in the old days.
My tax dollars and your tax dollars and all of our tax dollars have, for eight years, gone toward blocking bills the people voted for from becoming law, fighting in the courts not to give Mainers medicare or raise our minimum wage or let us smoke in peace or have a little more choice in voting. Our money has gone to subsidizing red states that hate New England like fire. Our money has gone to making sure the megayacht-parking lobster butter bathers pay less in taxes than a barista on Munjoy Hill. And NONE of you are complaining about that.
Nor do I see any single thread looking to help the homeless vets and addicts you're all suddenly so conveniently concerned about, no matter how bad the winter gets. Pro tip: do not use veterans as strawmen when you argue that the poor deserve nothing and America is somehow full. A massive percentage of vets are immigrants themselves, and they are out there protecting your right to be a total dick on the internet.
Somehow, for some strange reason, the only time people seem to take to their keyboards to complain about where their taxes are going is when they might just end up helping someone less fortunate. When they help people more fortunate? Crickets.
This state is aging. We need a new tax base or all those senior citizens will suffer, because their services will be cut without people my age to pay for them. Young people are not moving here. They're just vacationing here. If you feel like freezing to death some idle winter without social services still yelling Don't Tread On Me, be my guest. I would prefer to live in a lively multicultural city full of art, music, food, theater, and more services being used by people who need them to survive than those who just want to pay a little less taxes and have a convenient place to park their yachts.
The hate in this thread is repulsive. You should all be ashamed of yourselves. I would imagine some of you consider yourselves Christian, even while you spit on those Christ commanded you to shelter and treat even as you would him. Nice work. There is not one of you who has not taken help from another human being at some point in your lives, even if it's only in the form of using the roads and electricity and infrastructure we all pay for collectively to make yourselves a success. Filling these people's bellies costs us so much less than filling the insatiable gullets of the vulture capitalists that have made quite the little feast of our city in the last decade. It's utterly pathetic that we must pay for the rich to harm us, but that rouses no protest, but this, THIS, these poor, desperate, hopeful people who have walked across a continent to get here, raises your rage to the breaking point.
You want to save a dollar by starving a poor man while handing over twenty to a rich one with a smile and a song.
That you would deny someone who has escaped hell on earth a blanket, a tv dinner, and a scrap of gym floor to sleep on doesn't make you a patriot. It makes you a bad person.
I said good day, sir.
Catherynne M. Valente
is a novelist; her latest book is
Mass Effect: Annihilation
.
https://boingboing.net/2019/06/18/nextdoor-is-terrible.html
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Here’s what bothers me. My job is full time. But I’m kept at 30 hours a week, rarely allowed to go over that. My check is weekly and I make ~230-250 a week. At the beginning of the month comes my 50 dollar student loan, and that’s low compared to most people. Plus 25 for gas, plus food for me and my dog. Plus my wages are garnished for my student loans, taking out another 45 on average.
Then comes the second week of the month. More gas, more food, my 150 dollar car insurance, despite the fact that I’ve never had a ticket or an accident, my rate continues to climb and be jerked around to the point where I can never be sure how much they’re going to take out (thanks progressive). Then probably a couple pair of the cheapest pants I can find because they don’t last long. Then another 45 dollars garnished for student loans.
Week three is my 112 dollar phone bill, more gas, food for me and my dog, another 45 garnished. And then essentials, feminine products, household products that aren’t an every week type thing.
Week four is my 320 dollar car payment, another round of 45 dollars garnished, more food and then it starts all over.
Now, let’s add in real world things-my car is a piece of garbage. I need new tires, brakes need to be replaced. Even if I get the cheapest tires, that’s 80 dollars a tire, plus labor, plus disposal. Brakes for just 2 are 200 dollars. There’s something that rattles constantly underneath and I’m literally too scared to even ask what it is. Tried to trade my car in for a reliable newer model and they wanted to raise my payments at least 100 dollars.
At this point I can’t even afford to pay rent because I don’t know what places you people were looking at but the lowest place to rent around here is minimum 800-900 plus all the utilities. Now, if my job paid their employees even half as well as their managers who don’t do shit, I could survive a little better.
Now some of you might be like, well, get a second job. Except, my current full time position requires that I have open availability, so I can’t get a second job. And if I did, I would have to step down and that comes with a pay decrease. And I don’t even have kids. There are part time employees that I work with making less than I do who have kids and they’re kept below 20 hours. So tell me how someone is supposed to survive on that?
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Where can i find cheap car insurance for over 25′s first time buyers?
Where can i find cheap car insurance for over 25 s first time buyers?
Where can i find cheap car insurance for over 25 s first time buyers?
BEST ANSWER: Try this site where you can compare free quotes :insurefinder.xyz
SOURCES:
Where can i find cheap car insurance for over 25 s first time buyers?
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Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
"Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
BEST ANSWER: Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr
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Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
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What steps are needed to obtain a license to sale Insurance in the State of California?
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Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
How do we get life insurance?
im 45 & my wife is 42 we have 2 kids one is 18 and one is 20 we never had life insurance before 1.how does it work? 2.is it expensive? 3. how much money can you get? 4. what company is the best to choose? 5. can we still get life insurance? please answer all my questions dont put stupid answers :)
Should I take a term insurance rather than home mortgage insurance?
Normally many banks want the home loan borrowers to take mortgage insurance. Here there are controversies since many suggest borrowers should take term insurance instead. But do term insurances always give better protection than term insurance? How does a mortgage insurance compare with term insurance in terms of premium amount, premium payment period, risk cover of death, disability, chronic disease, surrender value, survival benefits etc? Apparently the term insurances are cheaper but have to be paid for a much longer period than mortgage insurance (generally paid for about 1/3rd of loan period.) So which options is better? I would specifically like to know about such products available in India. Thanks.""
High risk auto insurance?
Guys, Please what is the Best Option Online for High risk auto insurance, i am looking for One Just In Case Thanks""
Insurance and Driver License MN?
I just started my policy with 21 insurance and I moved from home to my grandma to now to chaska. Which is closer for work. Im getting a new driver license. But I told the insurance company my old address since I didn't get the new card for driver license. Is this bad will my rate go up ? I told the insurance company I work 3 days a week and its 45 min one way. But now im closer to work.
How much will my insurance go up for a speeding ticket?
I got a speeding ticket in July going 100 mph in California. I live in AZ and was visiting when I got pulled over. I got a notice in the mail saying it's mandatory for me to appear in court. Does anyone know how much my insurance will go up? I'm 25 yrs old and this is my 2nd speeding ticket. The 1st one was in AZ and it doesn't show up on my record because I went to driving school.
Why is the US government forcing health insurance on me?
My hate for the US government is growing by the day.
Kit car insurance for new driver?
how insurance companies are looking at new drivers that are thinking of getting a kit car, is it based on value of the car or just what engine it has or what it was made from? what it be higher then standard insurance? thank you""
What is the best Pregnancy Insurance Available to a already expecting Mom w/no health coverage at the moment?
Health Insurance for Pregnant Women!
Insurance for a 2007 Nissan Sentra SE-R Spec V?
I've been wondering how much insurance would cost for a 2007 Nissan Sentra SE-R Spec V for a 16 year old as the main driver, but I don't want to send my information to an insurer for a quote and possibly get unwanted solicitaions from them. Does anyone have any idea? Oh, and would it be different for a 17 year old?""
Do you get your credit checked for car insurance quotes?
Do you get your credit checked for car insurance quotes?
Does taking driving classes cheapen the cost of driving insurance for new drivers?
I'm planning to get my driver license when I turn 18 which is in two months and I live in Massachusetts. The state law says that you don't have to take driving classes in order to get your driver license if you are over the age of 18 but I am taking in order for my driving insurance to be less. If so, do you save around 10-15% on driving insurance rate? And how long does this discount on this insurance last for drivers.""
Buying a car/insurance help?
I am 17, currently taking driving lessons and looking to buy a car. I wanted quite a big car, such as the Ford mavric as ones that i have found in my price range. However the insurance is huge for them type of cars. I was wondering if anyone could tell me quite big cars with cheap insurance Thanks""
I need some Insurance Help?
My father, just yesterday tried to commit suicide by slitting his wrist, luckily he had called the cops, but he also had to take an ambulance ride and another ambulance ride to the county hospital where he will be held for 72 hours. He does not have insurance due to his work laying him off, and him not being able to afford it. Is there any kind of insurance that will cover this kind stuff. He has been suffering from depression and high blood pressure for quite sometime, so I don't know if those are pre existing things that would stop insurance...but him and my mother cant afford this at all right now. They live in southern california, if anyone knows of some kind of insurance, please please respond!""
Can I get separate 6 month car insurance for 2 vehicles?
I live in Vermont want to drive ONLY my Kia Spectra May-October, and ONLY my Ford F150 from November-April. I want to save money by having an insurance policy that covers each car for these 6 month intervals vs. insuring both year-round. Do car insurance companies typically offer this kind of coverage? I would ask around, but the insurance companies are so aggressive I can NEVER call for a simple quote or answer without extreme sales pressure.""
How bad is insurance for a 17 year old with a stock 1979 datsun 280zx?
im buying my son a car soon and he found one stock average insurance cost? per month or annual
""Need cheap auto insurance, Arizona?""
only drive 2 miles a couple times a week, never had a accident or ticket; 63yrs old,Mesa,AZ""
Car insurance renewal - is it compulsory ?
I had accident earlier this year(few months ago) wasn't my fault and other side admitted it but they still haven't paid for damages so the case is still open. I have been told by my car insurance company that they don't know where is the problem but as final bill hasn't been paid as a result my car renewal will go up as my previous 4 years no claim will vanish for now. Apparently once the other side pays what they should then they reduce my monthly payments accordingly as they take no claims years(this is 5 th year into account.) My question is : 1. is this correct what I said so far(or been told) 2. Do I have to renew my car insurance which expired last week even if I don't drive my car which is safely parked on my driveway(off road) ? Can I pay later lets say next month ? this is due my finance difficulties and I hope that other side pays by then and so I pay much less insurance. Professional advice would be great ! Thanks for reading :-)
What are some cheap car insurance companies for young adults in Georgia?
I'm a 20 year old male currently shopping around for car insurance, but I can't seem to make a decision. I need the most inexpensive, but quality insurance possible. Do you guys know any companies that may be a little more generous to young adult drivers?""
Whats cheap car to insure and run?
ive been trying to find cheap cars to insure, and it comes up with 2010 models that the car costs 12,000 i want something old cheap reliable for fuel car cost and insurance, i dont really care what year but im guessing the older cars like 1980s will be cheaper""
How can I get some cheap/reasonable health insurance?
How can I get some cheap/reasonable health insurance?
Help plz car insurance in MD?
well i am 20 years old. i have been driving a car under my mother's insurance name for a while, the insurance told her that if i got an acident while driving that car the insurance will never cover any damage and they consider that as a crime so Is that a crime to drive a car which ur name is not in the insurance list? also ifu know which insurance company is the best for me to get my own insurance""
Cheapest way to get car insurance?
we know of a family that is going through tough times. Mom works 3 jobs, daughter (18 y.o. works 2 jobs and goes to school full time) while the dad has two DUIs on him. Of course the daughter can't get insurance(because its too expensive). Around $2k a year. Know of any other viable options?? Its in California. Thanks!""
Can you remove yourself from your parents' health insurance voluntarily?
I just would like to know. Is it possible? Thanks.
Car mod insurances?
does a body kit cost alot on your insurances.if you no what percentage it increces. thanks
What happens to money at the end of life insurance term?
As a young child and teen, I remember my mom saying on a few occasions that she bought term life insurance when I was a baby. It was a 30 year plan for 100,000. She said that the term would end when I turn 30 years old and if she doesn't die by the time it ends....then SHE would be able to collect on the plan (getting the 100k) Now, I am 30 years old..and want to by term life insurance so my child will be taken care of incase I die. I'm thinking off getting a 20 year term. MY QUESTION - is it so that in 20 years...if I don't die, then I will be able to collect all that money? I'm doing research on it and finding that with regular term life insurance, you don't get any money at the end of the term.....but I remember my mom saying different. What do you know about it? (it isn't possible to ask my mom about it)""
Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
Oklahoma City Oklahoma Cheap car insurance quotes zip 73142
https://www.linkedin.com/pulse/progressive-car-insurance-quotes-ru-mia-faber/"
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Wilcox Nebraska Cheap car insurance quotes zip 68982
"Wilcox Nebraska Cheap car insurance quotes zip 68982
Wilcox Nebraska Cheap car insurance quotes zip 68982
BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr
RELATED QUESTIONS:
Small and cheap to insure ideal first cars?
first car for a 17 year old, no more then 1800, MUST be small and cheap to insure and preferably a respectable looking car :')""
Would a chevy impala ss cost more for insurance than a normal impala and how much more would it cost aproximat?
Would a chevy impala ss cost more for insurance than a normal impala and how much more would it cost aproximat?
Will insurance be higher on a truck than a car?
my guess is yes, i even googled this and i couldn't find an answer, but right now i have a 92' Benz with 150, 000 miles on and im paying about $110 dollars because im still a student, but im getting a 99' Ford F-250 Heavy Duty Diesel Turbo, because im 6'2 and tired of a car, money isn't an issue i just want to know how much it will cost, im not getting a new one because i don't want payments right now""
My first car notes and insurance?
i'm 16 and plan on getting A JOB BY MAY 2008. I wanna buy a USED CAR at least a 1997 model -2000 model. Do you think I can afford the car note? Could i possibly get on my mom's insurance plan to make it cheaper for my car to be insured or am I just putting myself up for a future of bad credit??????
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. :)""
Does Wal-Mart have better and cheaper insurance than Obamacare?
http://www.examiner.com/article/washington-examiner-walmart-s-health-plans-are-better-than-obamacare On Jan. 7, 2013, The Washington Examiner released the results of an investigation finding Walmart's employee health insurance is significantly better than Obamacare. Walmart has come under mega union labor union criticism as a retailer whose employees are both underpaid and mistreated. Like many insurance plans which have been canceled as a result of Obamacare benefit regulations, Walmart's health insurance has been called substandard. However after an in-depth comparison, the watch dog team of the Washington Examiner discovered employees of Walmart receive a better bang for the buck than Obamacare. In comparison to Obama care, it was discovered that Walmart plans were a whopping five to nine times less expensive. Full-service individual coverage in a Walmart HRA plan is available through a Blue Cross Blue Shield preferred provider organization for as little as $40 a month while family coverage averages $160 a month.""
How much is car insurance??
I STAY IN MARYLAND IM 18 IM ALMOST DONE WITH DRIVERS AD JUST LOOKING FOR A NICE SMALL 4 DOOR CAR THATS CEAP INSURANCE I REALLY HAVE ANY CREDIT BUT IF I CALL THE INSURANCE COMPANY AND ASK THEM ALL THESE QUESTIONS THEY MIGHT DONT WANT TO HEAR IT
Simple car insurance question:? help?
Hiya, I'm seventeen and 7 months old, I'm working towards my drivers license but I REALLY do want to buy a Hyundai Coupe, either a Hyundai Coupe Siii 2006-8 or the normal s edition, its engine is 1.6 and one costs about 2 grand and the other 4 thousand, how much will be it to ensure, ? average costs? its in insurance group 8p, the siii one, dont give me any sites to go and look and get quotes please, btw, I WILL BE THE SECOND DRIVER, the first driver will be aged 48 and with over 20 years of experience and no history of claims or anything, i have no convictions nothing that could hurt my insurance, just wanna know an average cost, and cheapest thanks""
Driving Lessons+ Insurance+Car?
when i turn 17 i get about 4,200 . now im wanting to spend that money on something improtant, to me thats a car, lessons and insurance. will i have enough to do this? say i pass etc how much will the insurance cost & the lessons""
What would be cheaper on insurance?
I'm thinking of getting a 1987-1995 jeep wrangler yj or a 1992 acura integra. Which would be cheaper on insurance? thanks.
Is there Low Cost Health Insurance for a 60 yr old?
Is there Low Cost Health Insurance for a 60 yr old? I am shopping around for health Ins. for my mother in law, is there something in California, that's not expensive. Can i get medical or something? Please help.""
Does my insurance rate go up for next year?
I got a citation for an infraction recently. I was sober and I drove my friend back onto campus. There were two stop signs at night and I did not see any lights so I thought no car was there and I passed right through the stop signs. When I parked a police officer came by and wrote me a citation so now I have to show up to court. I was wondering if my insurance rate goes up for this and if so, by how much? My insurance company is AAA.""
Estimate on car insurance for this car?
Okay, I'm looking to get a used 350z for my sixteenth birthday. I know car insurance is going to be really high for it being a sport car and for me being only 16, but I'd like an estimate to see where I'm going with this and I'm not sure how to do it myself. :) Here's a link to the car: http://www.nissanusa.com/z/index.html""
Car insurance and license suspended?
i got car insurance on my car i have always had it but my parents say that if i got my license suspended in one state, i dont got car insurance in that very state but i do in any other state, i am totally confused someone please clarify this??""
Haotian vixen 125-8 motorcycle insurance?
I have recently purchased a haotian vixen 125-8 motorbike to learn on. i will soon be doing my CBT. I understand that it is an imported bike but i cannot seem to find any insurance companies that know of the make, what can i do ?""
Are the insurance companies having a super party right now?
I mean it is now law that they will have a steady stream of customers. So are they psyched?
What are the best insurance companies out there if you have had a DUI and a speeding ticket in the last 8 year?
Looking in California for an insurance company with reasonable rates I just got my renewal and they want me to pay 175 per month I have been only paying 100 dollars a month So if anyone of you know of a great company please post a reply and thank you
""How long will I have to work until I can get a car, and insurance?
I'm 16 and plan to work at McDonald's or a local restaurant. It'll be after school so I'll only be earning minimum wage. How long will I have to work to earn enough money to buy a car and insurance? Thank you!
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?
About health insurance....?
If u have 2 health insurances, whatever your primary doesn't cover, your secondary will? My primary insurance sucks, but then i have the Unions insurance as secondary.""
Insurance for moped 16 year old ?
live in cork Ireland,im 15 now 16 in the summer im wondering how much a 50cc moped insurance would be roughly or how much insurance would be on a Yamaha tzr 50 ? Thanks""
How much would a job delivering pizzas affect my car insurance premiums?
I drive a 1997 Geo Metro. I have no accidents or moving violations on my record. I have been driving since August 2005. I am 25 years old. My October bill was $91.17.
Is it true that ObamaCare forces people to buy health insurance?
If not, risk going to jail and face a fine.""
Affordable term life insurance quote?
What good is affordable term life insurance?
Whats the fastest car a 20 year old can get insured on without paying huge insurance?
I have a bmw 1.6,its fairly slow and cant get insured on a 1.8,i think the fastest car i can get insured on is a honda v-tec 1.5,the insurance is not expensive for it at all,possibly an mx-5 1.6 aswell coz of the pwr to rate ratio altough never driven 1,what do ye rekn?""
Wilcox Nebraska Cheap car insurance quotes zip 68982
Wilcox Nebraska Cheap car insurance quotes zip 68982
Have to get medical insurance with Obamacare?
I am enrolling in health insurance and was curious.. I know that Obamacare (Affordable Care Act) requires you to get insurance, but what kind does it mandate? for example, if I get dental coverage, does the act require me to still get Medical?""
Car Insurance Question? Price?
I'm going to be turning 18 on July 14th 2009, and I was wondering what the cost of insurance would be if I got a used 2003 or 2004 Nissan 350z. I got my license April 08, and have had no crashes or anything. I plan on going to college, but a community college for the first 2 years then going to a 4 year college. Any ideas? I mean the price for this one is only 13,000 and it's a good deal.""
Im in the UK - how much more will I pay on car insurance?
I took out a 945 insurance on my VW golf with tesco. I claimed one 500 for a scrape against the wall of my drive. How much do you think the insurance will be on renewal ? Jon
Anyone ever heard of a car insurance company called The Electric Company?
I called them and got a really great quote on car insurance. Has anyone ever used this company and is it a good company to go with?
Why not lower heath care insurance than universal health care?
I pay $450 a month for my health insurance, why dont they just cut the cost in half? Then people could afford it. Its alot for me but worth it, i had spinal meningitis at 18 and without id be dead.""
Auto Insurance??
I was just wondering what people thought is a good price to pay monthly for auto insurance? I went to Progressive.com and saw they have different plans available...I went with one that looked like it had a bunch of things and was around 94ish dollars a month...couple of questions though What is the average you think I should pay? (No traffic violations in the last x amt of years, not since 98, fyi) Also, do you think its worth it for more fuller coverage if I'm going to actually own the car outright and not make payments? Is it worth it to select the rental insurance as one of the options? I don't know anything about what I should get, any help is appareciated!""
I got into a car accident and i have no insurance?
I rear ended this woman at only 20 miles an hour, she had absolutely nothing on her, not even a scratch . I have no insurance so she didn't call the police. Then she called this weekend she said her mechanic said it would cost over $500 because her air bags needed to be replaces due to this accident. Is she just trying to play me and did I have anything to do with those air bags? I decided she was lying to me, and decided not to pay. She then calls and says she's calling the police and reporting it as a hit and run, and calling a lawyer.""
Best way to insure my boots are kept in good condition.?
I just bought some nike hypervenoms and received them today. I just started breaking them in today by just walking around my house but I really want to make sure I take good care of them. I usually take really good care of my boots, but I just want some good tip and maybe some good product as well to use. I know my mom won't be happy buying me new boots after buying these ones, so I want to insure the longest life I can out of these.""
How much will insurance cost me on a 1.6 Ford capri?
A year from now I hope to pass my driving test (hopefully with a pass pluss), in which case I will be 17 years of age and it would be my first car.""
What is car insurance for a first time driver?
Okay i am 18 and have never had my license before and am going to be getting it at the end of this month...soon we are going to start getting insurace quotes for my car, we have been talking about what would be the best way to go about getting the cheapest insurance...so would it be best to put the car in my name but then just be added to my parents insurance and have me as the primary driver OR would it make a difference if we put the car in one of my parents name and then had me listed as the secondary driver for the car ? OR maybe you know a better way to go about this please give me all the advice you know about this! thanks""
Where can i get cheap auto insurance in mass ?
OK. So I'm basically a new driver only got my licence about 3 months ago and now I'm buying a car. I am 20 years old and don't know if I am going to pay like 400 a month cause that's insane. Does anyone know a cheap auto insurance company or any where, where I could get help?""
USAA Auto insurance extra monthly bill?
Hi we've been with USAA for over 10 yrs now for our Auto/Recreation insurance company. This month on our bill i noticed our rates went up by 35+ dollars per month. I called and they said nothing has changed in our policy. They told us because the dates our policy renewed we have an extra bill in this cycle. So they had to charge us more so we wouldn't have to pay 2 bills in 1 month. I am so confused it seems like were making an extra payment for nothing. We Pay every month on time , so I'm not sure why we have to pay an extra payment to avoid a double billing. Only thing they could tell me is that it happens to alot of policyholders once or twice in the lifetime of the policy. Seems strange to me. Thanks for your responses!""
Best health insurance for a young married couple?
My fiancee and I are doing some research on health insurance. What is the best kind to by? What should we be looking for? I take lexapro and birth control everyday. We are nonsmokers, full-time college students and fairly young. I'm about to turn 19 and he will be 20. How much should we expect to pay for health insurance? Can we still be on our parents health insurance after we get married? Anything would be great! We would love to have a plan that has good coverage. We aren't looking for the cheapest, just something to cover us. Thanks!""
Would my insurance be high?
There is a 1973 Dodge Charger online I found that needs restoration for $1750. What would I do for insurance and would it be high since I'm only 17?
Who offers the cheapest motorcycle insurance?
I'm a college student. I'm 19 from PA. I wanna get a little ninja 250. any suggestions?
Do I need insurance to drive my father's car?
recently i have passed my driving test and my father have a comprehensive car insurances!!! i can't effort to buy a car or car insurance? do you think is legal to drive it? thanks
How much does health insurance cost in the States - on average?
How much does health insurance cost in the States - on average?
Good car insurance sites?
Would like to know if any of you know of any good car insurance sites. I am a student who will be driving a fiat punto/ maybe even a skoda fabia.
Car insurance question?
The other week, my dumb *** relative backed into my parked car. Essentially, he could of saved himself two grand if he bothered to turn and look like he was supposed to. My question and PLEASE only answer with relative/helpful information: If I don't use a rental during the time my vehicle gets repaired, will it lower his costs with his provider? Or will it not matter? I only ask because, though an idiot, is still family (plus his parents are being ******* cause their kid can do no wrong if you know what I mean). So if not using the rental will help with his rates/etc. let me know.""
What home insurance company insures homes with knob and tube wiring?
I am looking to purchase homeowners insurance on my home. It has knob and tube wiring and a circuit breaker. I was told that the knob and tube is a more recent version or wiring and not as bad as the older kind. I am having difficulty finding an insurance company with reasonable rates, under $600.00.The home is valued at $90,000.""
How much does health insurance cost?
I'm a 27 year old male in perfect health and I was wondering how much I can expect to pay for health insurance for an independent plan. I'm planning to start my own business and considering how much health insurance is a major consideration. Even a ballpark number would help for my calculations. Thanks!
Will my health insurance pay for my surgery?
I hurt my back one month ago and had no insurance. I am now employed with insurance and need back surgery. Will the insurance company call this a pre existing condition and not pay? Is there anything I can do to avoid the fight?
Raise car insurance price?
I recently got a speeding ticket for $198. I've only been pulled over twice, once in 2006 and then this current occasion. I'm a college student and I'm very short on money and I'm unsure as to what to do. I've already saved $100 and when I get paid again, I'll save the remaining amount. However, I hadn't thought about traffic school just because it's about $30 for the class and then an additional $10 to get the certification sent to me and by that point, it'll be close to 30 days and I have to mail the ticket and payment out since I was pulled over in a different county. And, it would end up costing me more money in the end. I'd receive 4 points on my license without taking traffic school. How bad is 4 points? Will the points make my car insurance go up? What's the best thing to do in this situation?""
Insurance rate for a 2000 toyota celica?
Insurance rate for a 2000 toyota celica?
""Should I get Jaguar car, which one, and how much will I pay to maintain it?""
I want a cool car. I totally fall in love with Jaguar. But, I also dont want to spend a lot on gas and insurance. So, should I get it? I'm 19 years old, male. How much do I have to pay the insurance probably? And what if it's a Volt? Is that better? And how much will I have to pay to maintain it? I'm California.""
Wilcox Nebraska Cheap car insurance quotes zip 68982
Wilcox Nebraska Cheap car insurance quotes zip 68982
Ideal cheap car for beginners?
I'm looking for a used car with a cheaper insurance that would be ideal for a new driver. Any suggestions?
Will car insurance cover in case my friend crashes my car?
Will all kinds of car insurance cover a case when a friend borrows a car and gets in an accident? What do i need to look for in my policy to make sure that my car is covered even if someone else other than me drove my car.
How much would it cost for me to get put on my parents insurance?
I'm 18 and looking to get my licence soon. My mom, her boyfriend, and his daughter are all on the same insurance. They have Nationwide. But I don't have a car yet, so I'd be driving my mom & stepdads car. ABOUT how much do you think it would cost?""
What is the best insurance for Massage Therapists?
My state requires that I have massage insurance. What are some of the benefits I should seek when looking into purchasing the insurance? Also, should I worry about the Personal / Advertising Injury coverage? because i've noticed that some of the companies do not have that available in their plan. Thank you all in advance. Really appreciate the help.""
Car Insurance In Georgia Without Title?
can i get car insurance in georgia without the title? and how old does the car have to be to not require a title on it
What is the best insurance company!?
what is the best insurance company for me for my area.
How much will a careless driving citation affect my insurance rates?
I got both a speeding ticket and a careless driving citation for going 82 right after the speed limit went down from 50 to 45 mph. When I signed up for insurance, the entered in one ticket just to see how much my rates would be affected and they barely went up. This is my first ticket ever, but since I got a careless driving citation too, will my insurance view that as 2 tickets?""
Best place for cheap car insurance for young drivers?
im 19 make live in UK where is the best place to get cheap car insurance, any help appreciated""
What is the difference between term insuarnce and whole life insurance?
What is the difference between term insuarnce and whole life insurance?
Ford Mustang for a first car?
I know people say mustangs for 16 year olds have high insurance, but would buying an older model (1994-2000) with the V6 make insurance cheaper? Thanks!""
What companies dont have age limit on driving any car with third party car insurance?
I have heard that there are still some companies that give car insurance fully comp and cover you third party on any car without an age limit. I know most are 25 and over but there must be someone out there who knows a company that doesn't have an age limit may have a car restriction but you know...
Trying to get public liability insurance?
I am a self employed sub-contractor for a drylining and plastering company. I am trying to get public liability insurance but every single insurance website or insurance comparing website keeps asking me for my business details and address and whether I have any employees and how long business has been trading etc....obviously none of these are applicable to me as I don't own and run a business but can't complete the form without the details. Can any other sub contractors tell me how they filled theirs in?
Car insurance for UK female age 21 Peaugout 206??
Anyone any rough idea how much id pay?? And any good, cheap insurers? Also, is it better to get comprehensive, 3rd party fire and theft or just 3rd party????""
""Buying used car from private party---plates, insurance, registration?""
I've bought from a lot before, but never a private party! When you purchase a vehicle from a person, how do you go about the whole insurance thing and of course there aren't any plates on the thing! How do you get it home if you can't make it to the DMV that very moment?! Does insurance have to be purchased before you can even leave the person's house??? How exactly does this process work? Oh, and I thought of something else: Let's say the person selling me the car had just re-registered it in January or so........does that mean it doesn't have to be registered again until that same time next year? Obviously my name has to get switched over on the registration......but why pay TWICE in one year for the registration on one car???""
""What are the insurance range for a CBR600RR, beginner drive with 5 years of ecxcellent SUV driving expereinces
I live in So. Cal and want to purchase the CBR600RR (06-08 model) how much insurance should I expect to pay for this car?
Insurance for surgery?
how long after i get insurance can i get surgery? i dont have insurance yet but i am planning on getting one (ppo). i am planning on getting surgery and i know that insurance will cover it, i just dont know how long i have to have my insurance for?? are there any insurance rules i need to know. any insurance agent out there help plz!""
Insurance is a scam?
Why would we need it to be a law? Insurance is in case something happens, well what if nothing ever happens, all that money goes straight into their pockets. If it's law, they should make a new law where, after a certain number of years that you never got in an accident you get your money back. The main reason a hit and run occurs is, jail, or they don't have insurance. You would solve half the problem! I read in the DMV booklet that you can show proof that you have $35,000 in an account, and you wouldn't have to pay insurance, does anybody do this?""
""What car has low insurance fees, cheap parts, and is some what fast stock?""
I get a car in a little bit and I don't know what to get. I have some ideas such as a Nissan 350z, Mustang Cobra, Mitsubishi Lancer Evo or a Subaru Impreza but I don't know how much the insurance would be to cover those for a 16 year old male.""
17 year old motorcycle insurance cost?
Hey I am looking to get my motorcycle license and was wondering what the cost for insurance would be. I already have the motorcycle, a 1982 Yamaha xt125 or I may look into getting a Honda rebel 250. I would just use it for shorter commutes. Any estimates would be greatly appreciated. Thank you.""
""Who is the best, but affordable car insurance out there ?""
Just bought a new vehicle and have state farm insurance. But with the new vehicle, my insurance went up.""
How does car insurance work for teenagers?
Im 18 and I took Driver`s Ed last summer, so I know that was supposed to save some cash when it came to the insurance. I also heard that depending on the engine of the car, the insurance changes. How do you determine the insurance on a 6-cylinder and an 8-cylinder car? Thanks""
Are mitsubishi 3000gt's costly to insure?
Hi I am 16 and am looking at some mitsubishi 3000gt's right now. I know that insurance is already expensive with me being a 16 year old male but would a 3000 gt be expensive for insurance for me too? It would be a non turbo model and I have heard from places that 3000gt's are costly to insure, is this true? Thank you I appreciatte your answers.""
Can a step parents add a child on his health insurance?
We live in california, and i have heard that if they investigate and there is a claim and they look into it, because he has no legal coustody, then there is a possibility they would not cover the claim?? Please help, and if you reference from a website, if you could include the url that would be great.""
How much does medical insurance cost for a child?
How much does medical insurance cost for a child?
How much would it cost to insure a 16 year old boy?
i want to buy a 1988 toyota mr2 but my parents say the insurance would be to expensive can you give me a estimate how much it would cost.
Wilcox Nebraska Cheap car insurance quotes zip 68982
Wilcox Nebraska Cheap car insurance quotes zip 68982
""For insurance cost repairs and parts, which is better , the Honda Fit , Subaru Legacy Wagon or Toyota Matrix?""
Im looking for a fuel efficient vehicle to drive one hour into Montreal. I live in the rural area of Quebec known as Rawdon, which is a little mountainous, and the weather can change from slush to ice to rain for periods of time in the winter. Im a musician and cook that needs an economical hatchback to carry my equipment around. A used car salesman told me that the Honda Fit will be less safe to drive in the winter on Quebec roads than the Subaru Legacy wagon will be. Will it make that much difference ? Is there more chance of getting killed in the Honda Fit on dangerous roads ? Im not a fast driver anymore, and don't need any more speeding tickets. Some people might say that the Subaru is a superior car ( 2006 Legacy ) but I just spoke to a friend of mine who used to own a Subaru and she said she was paying a lot of money for parts when she needed to do repairs, and to stay away from them. Are Subaru parts much more expensive than Honda, and please tell me why the Subaru wagon is a better choice, if it is. The engine on the Subaru Legacy is almost double the size, I think 2.5 L as opposed to the Fit 1.5, although both are 4 cylinder., and both are selling for around $ 10,000. I havent looked enough into the Toyota Matrix. They seem to fall somewhere between the Honda Fit and he Subaru Legacy. I think the Fit would probably give the best gas mileage, the Matrix the next best and the Subaru the least. But again, which cost the most to repair ? Toyotas seem to have the highest reacall history out of the three of them. I live in the country and my life has not been functional without a vehicle the last few weeks since my Dodge Caravan died, so I need to make a decision as soon as possible.""
How hard is the health and life insurance exam?
How hard is the health and life insurance exam?
How does car insurance really work?
I've been driving for 6 years now, and carry car insurance. One thing about it that doesn't really make sense to me is this : If I get hit by someone without car insurance, my insurance won't pay. Why is that? They will pay if it's my fault, but if it's not my fault, they won't. That doesn't make any sense to me. I'm paying to cover my car, so it shouldn't matter what insurance the other car has. Someone please explain this to me.""
Has anyone heard of this car insurance company?
I'm trying to find this insurance company but it has a really vague name. It's called Ca. Auto Liab. It's on a California Highway Patrol accident report and they said it was a real company. I need to find their phone number and/or website. Has anyone came across this company?
How much is car insurance for a new driver?
How much would car insurance cost in BC in a rural area for a 17 year (new driver). Thanks
What car is very cheap to insure? Im 17 and really want a car!?
I was thinking about the peugeot 106 before ad the saxo but apparentley its too expensive, i just want to know a car that i can get quite cheap insurance for, bearing in mind im 17!""
Can a landlord require me to carry renter's insurance?
I didn't hear about this until after I filled out a rental application. Evidently, I am required to have renter's insurance before I move in. In view of the fact that I have almost nothing of value, renter's insurance seems pointless to me, even if it is cheap. This has been more common in the last few years. Beginning about 10 years ago, landlords started this practice of requiring renter's insurance. IMHO, it's just a way of reducing the insurance costs for the landlord.""
How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?
I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""
How do I get health insurance for my newborn?
I am 6 months pregnant and 21 years old. I am still on my parents' health insurance, as I am an unemployed student. My boyfriend, who is an independent, is an unemployed student as well. He is currently uninsured and, as we have found, is uninsurable due to the fact that I am pregnant. My parents' health insurance WILL NOT cover grandchildren (dependents of dependents) and so my baby will not be covered on their plan. Individual health insurance plans will not cover my infant until up to 30 days AFTER he is born (and we can apply for medical insurance for him). How do I secure health care coverage for him BEFORE he comes so he can start going to the pediatrician immediately?""
Where can I find affordable dental insurance for my father?
He is 50+, I live in Michigan,help please?? I tried looking, but no progress. I want him to get something affordable so he can have better and healthier teeth. Thank you, Jenn""
Car insurance for a 15 soon to be 16 year old?
so i am looking at getting my first car and so i need to be thinking about car insurance and my grade point average is like 2 something. i have american family. any ideas what their rates would be.??
I'm looking for affordable health insurance.?
I'm 31 and I have a pre-existing condition (open heart surgery 2004). I take coumadin daily and get my blood checked every month at Jacksonville Heart Center. I'm looking to take another job with much better pay. The only problem is they don't offer health insurance yet. I've been quoted at $180-$190 a month that do accept pre-existing conditions. Is there anyone cheaper that is not just some fly by night company?
Commercial Vehicle Insurance in the UK?
A business starts a delivery service and employs several drivers. Now each driver has their own personal insurance policy, but this will not cover them for business purposes. What would be the options for the business owner? Would the business buy a policy to cover the employees and their individual vehicles? or would they have to buy a vehicle solely for business purposes for the drivers to use? In addition, what companies are there that offer such commercial vehicle insurance for delivering purposes and what would be a ballpark figure for such a policy? extra credit for in depth answers. Thank you!!""
Health Insurance Questions?
Hi, I'm a freshman in college and this was the first time I've had health insurance and I have a couple questions I can't find answers to online. 1) Does health insurance apply to a visit about a week before you got your insurance card (and maybe a week before it was valid, I'm not sure) 2) If you didn't provide an emergency room with your health insurance information and they've sent you the full bill, can you still notify them of the insurance? Thanks!""
""How can I find affordable health insurance that covers chiropractic adjustments, acupuncture, or both?""
I live in Colorado. I only make slightly above minimum wage. I am not eligible for health care benefits through work. I have a chronic issue and am in pain if I do not go. I spend $250 on chiropractic and $250 on acupuncture for a grand total of $500 a month. Is there a health insurance plan that could cover either one or both kinds of treatments for less than $500 a month? If not, I will just continue to pay out of pocket although it is very expensive.""
Anybody can help me with cheap car insurance.?
im 19 years old i want to but a used car but i wanna know the cheapest way to pay for car insurance.im new at this so thank you for ur help
I was in a car accident so i been off work how will the insurance pay me?
I been off work due.to my accident my insurance said ill get paid after 14 days due since I'm not able to work
Is the Honda civic si considered a sports car with insurance companies for a new young driver?
I was wondering if a 1995 1996 1997 Honda civic si would be CONSIDERED A sports car with the insurance company? I'm 16. Thanks
How much Is car insurance for a 21 year old in the uk?
I cant drive yet but have a provisional. my friend has been driving for 3 years. We are both 21. He will teach me and said I would have to get insurance on his car for 6 months. Does anybody no how much this will cost a month. He drives a vauxhall corsa. Full Stars 4 best answer
Auto Insurance at 16?
How much could I expect it to be? I do live in Texas. I will be getting my permit soon (after I'm done with drivers ed), and to drive with it, I will need to be on my parents auto insurance, and I have to pay for it. I will not have a car for the time being so it shouldn't be really high?""
Is there any site you can go to and find how much car insurance will be?
i am trying to get a 1997 chevy caviler the insurance will be in my name the car i have right now its in my stepdads name i need to find out about how much ill be payin car insurance so i know if i can afford the car or not
""Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?""
Does anyone know where to get cheap UK car insurance for a 17 year old male, preferable uder 1000.?""
Important question about auto insurance?
could anyone help me with this, i am a 22/m living in nyc, i want to get an affordable auto insurance cost for 6 months and a year. what does it usually run? what is the cheapest i ...show more""
""Someone hit my car, do I have to report to my insurance company risking the rate increase?""
Few months ago somebody hit my rental car in their rental car during vacation. Other party's fault, he admitted, police report confirms this is his fault. Both me and the other party were insured. The other party seems to be reasonable. Now I have a repair bill, few thousands. I am reluctant to report this to my insurance company, since I heard over and over again that even though it's not my fault my rate can and probably will still go up (read here if you don't believe http://www.carinsurancecomparison.com/does-your-auto-insurance-go-up-if-someone-hits-your-car). I think this is ridiculous, but that's the way how things are. So is it possible, and is it a good idea that I contact the other party insurance myself without involving my insurance since my case is a clear cut case? Are there any pitfalls that I should be aware of?""
Is there anyway to get health insurance for a part-time student in Massachusetts?
I'm a part time student in Massachusetts and I need health insurance. I was wondering if anyone knows of any affordable health insurance that covers part time students. Thanks in advance!
Wilcox Nebraska Cheap car insurance quotes zip 68982
Wilcox Nebraska Cheap car insurance quotes zip 68982
https://www.linkedin.com/pulse/floridians-pay-taxes-insurance-coastal-areas-steven-mccoy/"
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Australia’s Immigration Solution: Small-Town Living
PYRAMID HILL, Australia — A lanky Filipina girl with long black hair stood at the wickets behind St. Patrick’s School, waiting for a pitch from a burly dad with a reddish beard.
The cricket ball came in slow. Her swing was quick as a bee’s wing, sending the ball skyward as a gaggle of kids — mostly Filipino, some white — cheered and elbowed to bat next.
The game, played on a recent afternoon, was a typical mixed gathering for Pyramid Hill, a one-pub town of around 500 people in central Victoria that has become a model of rural revival and multicultural integration.
“I’m still surprised they’re as open to us as they are,” said Abigail Umali, 39, a veterinarian from Manila who works at a local pig farm, and whose daughter, Maria, was the girl at bat.
“This school wouldn’t be here if it wasn’t for them,” said Kelvin Matthews, 36, the pitcher, as he watched the children interact.
──── Towns of a few hundred people are fading like puddles in the sun. ────
Filipinos now make up nearly a quarter of Pyramid Hill’s growing population. New homes are going up here for the first time in a generation — and both the newcomers and lifelong residents say they have found the answer to rising concerns about immigrants straining resources in Australian cities.
It’s called small-town living.
“People in the country mix, and need to mix,” said Tom Smith, a pig farmer who inadvertently started the town’s revival in 2008 when he sponsored visas for four workers from the Philippines. “It’s just different out here; it’s the only way to survive.”
Rural collapse is a familiar tale, seen across the American Midwest and in many areas of Europe, where small communities have been squeezed by globalization. It’s no different in Australia: an urbanizing country, as physically large as the United States, where towns of a few hundred people are fading like puddles in the sun.
[Read Part One about rural Australia’s mental health epidemic. Comment here or in our Australia Facebook group.]
But the success of Pyramid Hill — and many other small Australian towns — suggests that there are opportunities being missed and lessons to be learned. At a time when politicians in Australia, and around the world, are calling for restrictions on immigration, small towns in Australia are asking for more immigrants.
“There’s a real network of people who know how to make this work, who make it work in their community and can share it with others,” said Jack Archer, the chief executive of the Regional Australia Institute, a government research organization. “This is something we should really be thinking about scaling up.”
Landmarks of Despair
Pyramid Hill is a quiet drive of about 240 kilometers, or 150 miles, from Melbourne, finishing with a stretch of land that is mostly empty except for golden wheat fields and lint-gray sheep.
The community took its name in 1836 from a granite outcrop on the town’s edge. From its peak, I had little trouble seeing newer landmarks, which rose above the countryside and hinted at local despair: grain silos that are no longer used; a pet food factory that shut down in 2008.
Residents still talk about the era before the Filipinos came as one of quiet desperation. Streets without children. Homes decaying. The town’s population bottomed out at 419 in 2011, down from 699 in the 1960s.
“We were in dire straits,” said Cheryl McKinnon, the mayor of Loddon Shire, the municipality that includes Pyramid Hill. “We needed our population to grow.”
Economists often discuss immigration in terms of a multiplier effect. Newcomers don’t just fill jobs, they also create them, by bringing demand for new products and services.
This is especially true in Australia, where the minimum wage is 18.29 Australian dollars an hour ($13.70) and most migrants are skilled workers or students.
“Australia’s focus on skilled migration has demonstrated positive effects for economic growth,” a recently published government report on population growth found, “because our migrants on average lift potential G.D.P. and G.D.P. per capita.”
In many cities and suburbs, though, population growth has brought frustration. Melbourne added 125,000 people during the last fiscal year, its largest recorded increase, and Sydney added 102,000. In both cities, immigration was the primary cause, prompting complaints about housing, crowded schools and traffic.
──── The areas reviving most quickly tend to offer new arrivals not just jobs but a sense of community. ────
The government of Prime Minister Malcolm Turnbull has responded to such concerns by restricting immigration: maintaining harsh offshore detention centers for asylum seekers and limiting the number of skilled-worker visas.
Places like Pyramid Hill offer an alternative.
“There just has got to be some employment opportunity,” said Mr. Archer of the Regional Australia Institute. “There’s more of that than people think.”
Statistics from the institute suggest that many rural communities suffer not from a lack of employment, but a lack of employees.
Labor market participation in regional Australia — the areas outside major cities — is well above the national average. And since rural populations tend to be older, that means many people continue to work well after they might have wanted to retire.
Mr. Smith, the pig farmer, rejected that pattern. He flew to Manila in 2008 to interview job applicants for his Kia-Ora piggery after placing a help wanted ad in a local newspaper.
Two of his four original hires still work at Kia-Ora. Mr. Smith, 66, a taciturn farmer who warms up to strangers at the pace of an autumn morning, has retired from managing the piggery.
To understand the town’s revival, he told me, I would have to visit.
‘They’ve Learned to Adapt’
One morning before 7 a.m., I found myself donning a paper jumpsuit and tall rubber boots for a day of pork production with Kia-Ora’s mostly Filipino work force.
We started in the breeding area, a series of long metal warehouses filled with tiny newborn piglets and pregnant sows big enough to knock a small car off the road.
Gail Smith, the mating supervisor, was guiding Raymond Mabulac, one of the Filipino workers, on the latest methods of artificial insemination.
“When you’re done, you need to hop in the pen and record them,” she said.
“Easy,” Mr. Mabulac said. “No worries.”
That breezy rapport took time. It wasn’t that Mr. Mabulac didn’t speak English; he did. It was just sayings like “rightee-o” that took him awhile to work out. “At first,” Ms. Smith said, laughing, “I don’t think he had any idea what I was saying.”
[Sign up for Damien Cave’s Australia Letter to get news, conversation starters and local recommendations in your inbox each week.]
Kia-Ora adjusted and expanded slowly, bringing in new employees (and their families) over several years. Many of the new hires were old friends of the early ones, or attended the same university in the Philippines, studying veterinary medicine or animal husbandry.
Some were already in Australia, like Ms. Umali, the vet, who moved to Pyramid Hill four years ago from Sydney with her husband and two children.
“It was a big change,” she said.
The work is hard and malodorous, the sort of job few Australians are eager to do. But it is also more sophisticated than many people recognize. Charts on births, weight gain and other metrics line the break-room walls, and Kia-Ora has been expanding into energy by producing electricity from biogas.
Despite the hard work, there has been little turnover among the employees.
“You wouldn’t believe how warm the people are here,” Ms. Umali said. Her voice seemed to crack with emotion. “They’ve learned to adapt.”
Research from the Regional Australia Institute shows that the areas reviving most quickly tend to offer new arrivals not just well-paying jobs but a sense of community.
In the Shire of Dalwallinu, a town in Western Australia’s Wheat Belt that is coming back to life thanks to migrants from the Philippines and elsewhere, residents helped workers move their families from abroad.
In the small town of Nhill, in northwestern Victoria, locals have managed the arrival of ethnic Karen refugees from Myanmar since 2010, helping them find housing, learn English and engage in social activities.
Pyramid Hill’s evolution has been just as personal. Neighbors regularly meet to share food and learn about each other’s cultures.
“Every month there’s one Australian speaker and a Filipino speaker, and we cook for each other,” said Helen Garchitorena, 47, a leader of the exchange. “We explain the importance of the food, and we talk.”
Compared with those in many cities and suburbs, people in Pyramid Hill seem to have more time and interest in building bonds across ethnic boundaries. An annual Filipino “fiesta” was added to the town’s events calendar in 2015, and every week seems to include an opportunity to socialize.
──── “They generalize a lot — ‘Asians are like this, Australians are like that,’” said Fritzie Caburnay ────
A short walk away from the cricket match at St. Patrick’s, for example, teenagers gathered for a trivia night at Pyramid Hill College, the public school where Ms. Garchitorena now works.
The town has welcomed the Filipinos in part because families bring energy. But it also helps that, like the locals, many are Catholic, and they arrived in Australia already speaking some English.
Programs to settle less-educated (or black or Muslim) migrants in small towns have sometimes proven more difficult. Even here in Pyramid Hill, awkwardness and disrespect are not unheard-of.
“We’re trying to mesh together,” said Ms. Garchitorena’s daughter, Fionne, 15. “I think it mostly works.”
Still, she said, there are growing pains. “It’s like when I have rice for lunch and they’ll say ‘You’re so Asian’ — and I’m like, well, yes, I’m very aware of that.’”
Duke Caburnay, 16, whose father works at Kia-Ora, said that he runs up against racism when his team plays Australian rules football in other small towns. White players sometimes hurl racial insults at him.
Some of Pyramid Hill’s adult Filipino residents also say they are expected to outperform white counterparts just to be considered equal.
“They generalize a lot — Asians are like this, Australians are like that,” said Fritzie Caburnay, 46, Duke’s mother, who has a master’s degree in public administration. “Some people say the Filipinos have invaded.”
Still, she said, “we feel at home here.”
It’s a sentiment widely shared.
Ms. Umali eventually explained why she has grown so loyal to the town. Last year, she said, her husband was at Kia-Ora working his usual shift when he collapsed in one of the pig pens.
He died suddenly of a heart attack. He was 44.
An outpouring of support followed for her and her two children, Raphael, 12, and Maria, 10, the cricket batter. Every day, friends and even total strangers would appear at the wood-frame home she rents beside St. Patrick’s, smiling, carrying meals and money, or just offering emotional support.
The principal of St. Patrick’s, Colleen Hampson, had to fight back tears when discussing the tragedy and the community’s response.
So did Ms. Umali.
“What happened to me here, I can’t even compare it to what would have happened in the Philippines,” she said, looking away to gain composure. “It’s actually overwhelming.”
Read Part I: A Booming Economy With a Tragic Price
For more Australia coverage, sign up for the Australia Letter, join our Facebook group, and start your day with the Australian Morning Briefing.
The post Australia’s Immigration Solution: Small-Town Living appeared first on World The News.
from World The News https://ift.tt/2x2VKcM via News of World
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Text
Australia’s Immigration Solution: Small-Town Living
PYRAMID HILL, Australia — A lanky Filipina girl with long black hair stood at the wickets behind St. Patrick’s School, waiting for a pitch from a burly dad with a reddish beard.
The cricket ball came in slow. Her swing was quick as a bee’s wing, sending the ball skyward as a gaggle of kids — mostly Filipino, some white — cheered and elbowed to bat next.
The game, played on a recent afternoon, was a typical mixed gathering for Pyramid Hill, a one-pub town of around 500 people in central Victoria that has become a model of rural revival and multicultural integration.
“I’m still surprised they’re as open to us as they are,” said Abigail Umali, 39, a veterinarian from Manila who works at a local pig farm, and whose daughter, Maria, was the girl at bat.
“This school wouldn’t be here if it wasn’t for them,” said Kelvin Matthews, 36, the pitcher, as he watched the children interact.
──── Towns of a few hundred people are fading like puddles in the sun. ────
Filipinos now make up nearly a quarter of Pyramid Hill’s growing population. New homes are going up here for the first time in a generation — and both the newcomers and lifelong residents say they have found the answer to rising concerns about immigrants straining resources in Australian cities.
It’s called small-town living.
“People in the country mix, and need to mix,” said Tom Smith, a pig farmer who inadvertently started the town’s revival in 2008 when he sponsored visas for four workers from the Philippines. “It’s just different out here; it’s the only way to survive.”
Rural collapse is a familiar tale, seen across the American Midwest and in many areas of Europe, where small communities have been squeezed by globalization. It’s no different in Australia: an urbanizing country, as physically large as the United States, where towns of a few hundred people are fading like puddles in the sun.
[Read Part One about rural Australia’s mental health epidemic. Comment here or in our Australia Facebook group.]
But the success of Pyramid Hill — and many other small Australian towns — suggests that there are opportunities being missed and lessons to be learned. At a time when politicians in Australia, and around the world, are calling for restrictions on immigration, small towns in Australia are asking for more immigrants.
“There’s a real network of people who know how to make this work, who make it work in their community and can share it with others,” said Jack Archer, the chief executive of the Regional Australia Institute, a government research organization. “This is something we should really be thinking about scaling up.”
Landmarks of Despair
Pyramid Hill is a quiet drive of about 240 kilometers, or 150 miles, from Melbourne, finishing with a stretch of land that is mostly empty except for golden wheat fields and lint-gray sheep.
The community took its name in 1836 from a granite outcrop on the town’s edge. From its peak, I had little trouble seeing newer landmarks, which rose above the countryside and hinted at local despair: grain silos that are no longer used; a pet food factory that shut down in 2008.
Residents still talk about the era before the Filipinos came as one of quiet desperation. Streets without children. Homes decaying. The town’s population bottomed out at 419 in 2011, down from 699 in the 1960s.
“We were in dire straits,” said Cheryl McKinnon, the mayor of Loddon Shire, the municipality that includes Pyramid Hill. “We needed our population to grow.”
Economists often discuss immigration in terms of a multiplier effect. Newcomers don’t just fill jobs, they also create them, by bringing demand for new products and services.
This is especially true in Australia, where the minimum wage is 18.29 Australian dollars an hour ($13.70) and most migrants are skilled workers or students.
“Australia’s focus on skilled migration has demonstrated positive effects for economic growth,” a recently published government report on population growth found, “because our migrants on average lift potential G.D.P. and G.D.P. per capita.”
In many cities and suburbs, though, population growth has brought frustration. Melbourne added 125,000 people during the last fiscal year, its largest recorded increase, and Sydney added 102,000. In both cities, immigration was the primary cause, prompting complaints about housing, crowded schools and traffic.
──── The areas reviving most quickly tend to offer new arrivals not just jobs but a sense of community. ────
The government of Prime Minister Malcolm Turnbull has responded to such concerns by restricting immigration: maintaining harsh offshore detention centers for asylum seekers and limiting the number of skilled-worker visas.
Places like Pyramid Hill offer an alternative.
“There just has got to be some employment opportunity,” said Mr. Archer of the Regional Australia Institute. “There’s more of that than people think.”
Statistics from the institute suggest that many rural communities suffer not from a lack of employment, but a lack of employees.
Labor market participation in regional Australia — the areas outside major cities — is well above the national average. And since rural populations tend to be older, that means many people continue to work well after they might have wanted to retire.
Mr. Smith, the pig farmer, rejected that pattern. He flew to Manila in 2008 to interview job applicants for his Kia-Ora piggery after placing a help wanted ad in a local newspaper.
Two of his four original hires still work at Kia-Ora. Mr. Smith, 66, a taciturn farmer who warms up to strangers at the pace of an autumn morning, has retired from managing the piggery.
To understand the town’s revival, he told me, I would have to visit.
‘They’ve Learned to Adapt’
One morning before 7 a.m., I found myself donning a paper jumpsuit and tall rubber boots for a day of pork production with Kia-Ora’s mostly Filipino work force.
We started in the breeding area, a series of long metal warehouses filled with tiny newborn piglets and pregnant sows big enough to knock a small car off the road.
Gail Smith, the mating supervisor, was guiding Raymond Mabulac, one of the Filipino workers, on the latest methods of artificial insemination.
“When you’re done, you need to hop in the pen and record them,” she said.
“Easy,” Mr. Mabulac said. “No worries.”
That breezy rapport took time. It wasn’t that Mr. Mabulac didn’t speak English; he did. It was just sayings like “rightee-o” that took him awhile to work out. “At first,” Ms. Smith said, laughing, “I don’t think he had any idea what I was saying.”
[Sign up for Damien Cave’s Australia Letter to get news, conversation starters and local recommendations in your inbox each week.]
Kia-Ora adjusted and expanded slowly, bringing in new employees (and their families) over several years. Many of the new hires were old friends of the early ones, or attended the same university in the Philippines, studying veterinary medicine or animal husbandry.
Some were already in Australia, like Ms. Umali, the vet, who moved to Pyramid Hill four years ago from Sydney with her husband and two children.
“It was a big change,” she said.
The work is hard and malodorous, the sort of job few Australians are eager to do. But it is also more sophisticated than many people recognize. Charts on births, weight gain and other metrics line the break-room walls, and Kia-Ora has been expanding into energy by producing electricity from biogas.
Despite the hard work, there has been little turnover among the employees.
“You wouldn’t believe how warm the people are here,” Ms. Umali said. Her voice seemed to crack with emotion. “They’ve learned to adapt.”
Research from the Regional Australia Institute shows that the areas reviving most quickly tend to offer new arrivals not just well-paying jobs but a sense of community.
In the Shire of Dalwallinu, a town in Western Australia’s Wheat Belt that is coming back to life thanks to migrants from the Philippines and elsewhere, residents helped workers move their families from abroad.
In the small town of Nhill, in northwestern Victoria, locals have managed the arrival of ethnic Karen refugees from Myanmar since 2010, helping them find housing, learn English and engage in social activities.
Pyramid Hill’s evolution has been just as personal. Neighbors regularly meet to share food and learn about each other’s cultures.
“Every month there’s one Australian speaker and a Filipino speaker, and we cook for each other,” said Helen Garchitorena, 47, a leader of the exchange. “We explain the importance of the food, and we talk.”
Compared with those in many cities and suburbs, people in Pyramid Hill seem to have more time and interest in building bonds across ethnic boundaries. An annual Filipino “fiesta” was added to the town’s events calendar in 2015, and every week seems to include an opportunity to socialize.
──── “They generalize a lot — ‘Asians are like this, Australians are like that,’” said Fritzie Caburnay ────
A short walk away from the cricket match at St. Patrick’s, for example, teenagers gathered for a trivia night at Pyramid Hill College, the public school where Ms. Garchitorena now works.
The town has welcomed the Filipinos in part because families bring energy. But it also helps that, like the locals, many are Catholic, and they arrived in Australia already speaking some English.
Programs to settle less-educated (or black or Muslim) migrants in small towns have sometimes proven more difficult. Even here in Pyramid Hill, awkwardness and disrespect are not unheard-of.
“We’re trying to mesh together,” said Ms. Garchitorena’s daughter, Fionne, 15. “I think it mostly works.”
Still, she said, there are growing pains. “It’s like when I have rice for lunch and they’ll say ‘You’re so Asian’ — and I’m like, well, yes, I’m very aware of that.’”
Duke Caburnay, 16, whose father works at Kia-Ora, said that he runs up against racism when his team plays Australian rules football in other small towns. White players sometimes hurl racial insults at him.
Some of Pyramid Hill’s adult Filipino residents also say they are expected to outperform white counterparts just to be considered equal.
“They generalize a lot — Asians are like this, Australians are like that,” said Fritzie Caburnay, 46, Duke’s mother, who has a master’s degree in public administration. “Some people say the Filipinos have invaded.”
Still, she said, “we feel at home here.”
It’s a sentiment widely shared.
Ms. Umali eventually explained why she has grown so loyal to the town. Last year, she said, her husband was at Kia-Ora working his usual shift when he collapsed in one of the pig pens.
He died suddenly of a heart attack. He was 44.
An outpouring of support followed for her and her two children, Raphael, 12, and Maria, 10, the cricket batter. Every day, friends and even total strangers would appear at the wood-frame home she rents beside St. Patrick’s, smiling, carrying meals and money, or just offering emotional support.
The principal of St. Patrick’s, Colleen Hampson, had to fight back tears when discussing the tragedy and the community’s response.
So did Ms. Umali.
“What happened to me here, I can’t even compare it to what would have happened in the Philippines,” she said, looking away to gain composure. “It’s actually overwhelming.”
Read Part I: A Booming Economy With a Tragic Price
For more Australia coverage, sign up for the Australia Letter, join our Facebook group, and start your day with the Australian Morning Briefing.
The post Australia’s Immigration Solution: Small-Town Living appeared first on World The News.
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Australia’s Immigration Solution: Small-Town Living
PYRAMID HILL, Australia — A lanky Filipina girl with long black hair stood at the wickets behind St. Patrick’s School, waiting for a pitch from a burly dad with a reddish beard.
The cricket ball came in slow. Her swing was quick as a bee’s wing, sending the ball skyward as a gaggle of kids — mostly Filipino, some white — cheered and elbowed to bat next.
The game, played on a recent afternoon, was a typical mixed gathering for Pyramid Hill, a one-pub town of around 500 people in central Victoria that has become a model of rural revival and multicultural integration.
“I’m still surprised they’re as open to us as they are,” said Abigail Umali, 39, a veterinarian from Manila who works at a local pig farm, and whose daughter, Maria, was the girl at bat.
“This school wouldn’t be here if it wasn’t for them,” said Kelvin Matthews, 36, the pitcher, as he watched the children interact.
──── Towns of a few hundred people are fading like puddles in the sun. ────
Filipinos now make up nearly a quarter of Pyramid Hill’s growing population. New homes are going up here for the first time in a generation — and both the newcomers and lifelong residents say they have found the answer to rising concerns about immigrants straining resources in Australian cities.
It’s called small-town living.
“People in the country mix, and need to mix,” said Tom Smith, a pig farmer who inadvertently started the town’s revival in 2008 when he sponsored visas for four workers from the Philippines. “It’s just different out here; it’s the only way to survive.”
Rural collapse is a familiar tale, seen across the American Midwest and in many areas of Europe, where small communities have been squeezed by globalization. It’s no different in Australia: an urbanizing country, as physically large as the United States, where towns of a few hundred people are fading like puddles in the sun.
[Read Part One about rural Australia’s mental health epidemic. Comment here or in our Australia Facebook group.]
But the success of Pyramid Hill — and many other small Australian towns — suggests that there are opportunities being missed and lessons to be learned. At a time when politicians in Australia, and around the world, are calling for restrictions on immigration, small towns in Australia are asking for more immigrants.
“There’s a real network of people who know how to make this work, who make it work in their community and can share it with others,” said Jack Archer, the chief executive of the Regional Australia Institute, a government research organization. “This is something we should really be thinking about scaling up.”
Landmarks of Despair
Pyramid Hill is a quiet drive of about 240 kilometers, or 150 miles, from Melbourne, finishing with a stretch of land that is mostly empty except for golden wheat fields and lint-gray sheep.
The community took its name in 1836 from a granite outcrop on the town’s edge. From its peak, I had little trouble seeing newer landmarks, which rose above the countryside and hinted at local despair: grain silos that are no longer used; a pet food factory that shut down in 2008.
Residents still talk about the era before the Filipinos came as one of quiet desperation. Streets without children. Homes decaying. The town’s population bottomed out at 419 in 2011, down from 699 in the 1960s.
“We were in dire straits,” said Cheryl McKinnon, the mayor of Loddon Shire, the municipality that includes Pyramid Hill. “We needed our population to grow.”
Economists often discuss immigration in terms of a multiplier effect. Newcomers don’t just fill jobs, they also create them, by bringing demand for new products and services.
This is especially true in Australia, where the minimum wage is 18.29 Australian dollars an hour ($13.70) and most migrants are skilled workers or students.
“Australia’s focus on skilled migration has demonstrated positive effects for economic growth,” a recently published government report on population growth found, “because our migrants on average lift potential G.D.P. and G.D.P. per capita.”
In many cities and suburbs, though, population growth has brought frustration. Melbourne added 125,000 people during the last fiscal year, its largest recorded increase, and Sydney added 102,000. In both cities, immigration was the primary cause, prompting complaints about housing, crowded schools and traffic.
──── The areas reviving most quickly tend to offer new arrivals not just jobs but a sense of community. ────
The government of Prime Minister Malcolm Turnbull has responded to such concerns by restricting immigration: maintaining harsh offshore detention centers for asylum seekers and limiting the number of skilled-worker visas.
Places like Pyramid Hill offer an alternative.
“There just has got to be some employment opportunity,” said Mr. Archer of the Regional Australia Institute. “There’s more of that than people think.”
Statistics from the institute suggest that many rural communities suffer not from a lack of employment, but a lack of employees.
Labor market participation in regional Australia — the areas outside major cities — is well above the national average. And since rural populations tend to be older, that means many people continue to work well after they might have wanted to retire.
Mr. Smith, the pig farmer, rejected that pattern. He flew to Manila in 2008 to interview job applicants for his Kia-Ora piggery after placing a help wanted ad in a local newspaper.
Two of his four original hires still work at Kia-Ora. Mr. Smith, 66, a taciturn farmer who warms up to strangers at the pace of an autumn morning, has retired from managing the piggery.
To understand the town’s revival, he told me, I would have to visit.
‘They’ve Learned to Adapt’
One morning before 7 a.m., I found myself donning a paper jumpsuit and tall rubber boots for a day of pork production with Kia-Ora’s mostly Filipino work force.
We started in the breeding area, a series of long metal warehouses filled with tiny newborn piglets and pregnant sows big enough to knock a small car off the road.
Gail Smith, the mating supervisor, was guiding Raymond Mabulac, one of the Filipino workers, on the latest methods of artificial insemination.
“When you’re done, you need to hop in the pen and record them,” she said.
“Easy,” Mr. Mabulac said. “No worries.”
That breezy rapport took time. It wasn’t that Mr. Mabulac didn’t speak English; he did. It was just sayings like “rightee-o” that took him awhile to work out. “At first,” Ms. Smith said, laughing, “I don’t think he had any idea what I was saying.”
[Sign up for Damien Cave’s Australia Letter to get news, conversation starters and local recommendations in your inbox each week.]
Kia-Ora adjusted and expanded slowly, bringing in new employees (and their families) over several years. Many of the new hires were old friends of the early ones, or attended the same university in the Philippines, studying veterinary medicine or animal husbandry.
Some were already in Australia, like Ms. Umali, the vet, who moved to Pyramid Hill four years ago from Sydney with her husband and two children.
“It was a big change,” she said.
The work is hard and malodorous, the sort of job few Australians are eager to do. But it is also more sophisticated than many people recognize. Charts on births, weight gain and other metrics line the break-room walls, and Kia-Ora has been expanding into energy by producing electricity from biogas.
Despite the hard work, there has been little turnover among the employees.
“You wouldn’t believe how warm the people are here,” Ms. Umali said. Her voice seemed to crack with emotion. “They’ve learned to adapt.”
Research from the Regional Australia Institute shows that the areas reviving most quickly tend to offer new arrivals not just well-paying jobs but a sense of community.
In the Shire of Dalwallinu, a town in Western Australia’s Wheat Belt that is coming back to life thanks to migrants from the Philippines and elsewhere, residents helped workers move their families from abroad.
In the small town of Nhill, in northwestern Victoria, locals have managed the arrival of ethnic Karen refugees from Myanmar since 2010, helping them find housing, learn English and engage in social activities.
Pyramid Hill’s evolution has been just as personal. Neighbors regularly meet to share food and learn about each other’s cultures.
“Every month there’s one Australian speaker and a Filipino speaker, and we cook for each other,” said Helen Garchitorena, 47, a leader of the exchange. “We explain the importance of the food, and we talk.”
Compared with those in many cities and suburbs, people in Pyramid Hill seem to have more time and interest in building bonds across ethnic boundaries. An annual Filipino “fiesta” was added to the town’s events calendar in 2015, and every week seems to include an opportunity to socialize.
──── “They generalize a lot — ‘Asians are like this, Australians are like that,’” said Fritzie Caburnay ────
A short walk away from the cricket match at St. Patrick’s, for example, teenagers gathered for a trivia night at Pyramid Hill College, the public school where Ms. Garchitorena now works.
The town has welcomed the Filipinos in part because families bring energy. But it also helps that, like the locals, many are Catholic, and they arrived in Australia already speaking some English.
Programs to settle less-educated (or black or Muslim) migrants in small towns have sometimes proven more difficult. Even here in Pyramid Hill, awkwardness and disrespect are not unheard-of.
“We’re trying to mesh together,” said Ms. Garchitorena’s daughter, Fionne, 15. “I think it mostly works.”
Still, she said, there are growing pains. “It’s like when I have rice for lunch and they’ll say ‘You’re so Asian’ — and I’m like, well, yes, I’m very aware of that.’”
Duke Caburnay, 16, whose father works at Kia-Ora, said that he runs up against racism when his team plays Australian rules football in other small towns. White players sometimes hurl racial insults at him.
Some of Pyramid Hill’s adult Filipino residents also say they are expected to outperform white counterparts just to be considered equal.
“They generalize a lot — Asians are like this, Australians are like that,” said Fritzie Caburnay, 46, Duke’s mother, who has a master’s degree in public administration. “Some people say the Filipinos have invaded.”
Still, she said, “we feel at home here.”
It’s a sentiment widely shared.
Ms. Umali eventually explained why she has grown so loyal to the town. Last year, she said, her husband was at Kia-Ora working his usual shift when he collapsed in one of the pig pens.
He died suddenly of a heart attack. He was 44.
An outpouring of support followed for her and her two children, Raphael, 12, and Maria, 10, the cricket batter. Every day, friends and even total strangers would appear at the wood-frame home she rents beside St. Patrick’s, smiling, carrying meals and money, or just offering emotional support.
The principal of St. Patrick’s, Colleen Hampson, had to fight back tears when discussing the tragedy and the community’s response.
So did Ms. Umali.
“What happened to me here, I can’t even compare it to what would have happened in the Philippines,” she said, looking away to gain composure. “It’s actually overwhelming.”
Read Part I: A Booming Economy With a Tragic Price
For more Australia coverage, sign up for the Australia Letter, join our Facebook group, and start your day with the Australian Morning Briefing.
The post Australia’s Immigration Solution: Small-Town Living appeared first on World The News.
from World The News https://ift.tt/2x2VKcM via Today News
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I moved to long island, port Jefferson area. Anyone know a really cheap auto insurance around here?
"I moved to long island, port Jefferson area. Anyone know a really cheap auto insurance around here?
I really need one before it starts snowing..Walking and taking the bus here is a nightmare. Please help.
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr
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my previous insurance,i took it out on installments""
How much on average is insurance for a citroen c2 for a 18 year old?
I saved the money for my first car finally and i love the look of c2's. i was just wondering the average price of insurance if its my 1st car, i am 18 and was thinking about ...show more""
I am thinking of get a Honda Accord (1996-2001) in fl was wondering how much is basic inserance?
I am thinking of getting a Honda Accord between the year of 1996 and 2001 was wondering how much is it gonna cost for minimum insurance if I am 16 about to tern 17
If the law didn't require you to buy car insurance...?
how many people would buy car insurance?
WHAT ARE THE CHEAPEST VEHICLE ON INSURANCE THAT IS A 4X4 BEST ANSWER GETS 10 QUICK POINTS?
I WANT A 4X4 CAN SOMEONE TELL ME WHICH ONE IS CHEAPEST ON INSURANCE
Should I continue to pay for insurance on my old car?
I bought a new car last month and I called my insurance company to tell them, and they added the car onto my existing insurance for my old car. I've had to pay around 400. in the last month, for a car I no longer am driving. I'm trying to sell it, but it is just sitting in my garage. Should I have to pay for insurance on this car? Can't I just tell them that I'm not driving the car and I don't want to pay for insurance?""
""My car was a total loss, my insurance wants to go for a settlement? ?""
My car was a total loss, my insurance wants to go for a settlement? how do i know that they are giving me a fair settlement? do i check the blue book value for my car when it was brand new, or as a used car(coz i bought my car as a used car with 23,000 mileage), or would they pay it as used plus the current mileage when my car was declared a total loss (it has 30,000 mileage). I bought my car, a 2005 honda accord coupe with 23,000 mileage <--- how much do they normally settle with this car?""
Baby insurance HELP!?
im getting ready to have a baby in two months and i still dont have insurance for him...i dont know how and what kind to get please help???
I have a few questions about car repairs and auto insurance?
first off, i was in a small accident a couple weeks ago, and was wonder how much it would cost to have the following repaired: 1. the hood is very minorly damaged, there is just a small gap where the hood closes, plus a little scratched paint on one side (very minor) how much would it cost to have that straitened out? 2. when the front end got hit, it shifted it over a little, so there is a small gap inbetween the inside corner of the headlight and the grill area, how much to straighten that out? 3. also, in regards to insurance, is it allowed to have two different people insured on one car through different insurance companies?""
Which is cheaper? Insurance on an old car or insurance on a new car.?
I want a stock Mercerdes c. 1970-1980.... is that insanely expensive or what? I don't know anything about insurance
How much does insurance usually pay off if your car is deemed totaled?
Ok, so, my car incurred some damage due to the recent flood waters of hurricane Ike. A person from Safe Auto insurance company is coming out tomorrow to assess the damage. When we spoke to him over the phone, he said it sounded like our car would end up being deemed totaled. There is still amount owed on the car. If we were to pay it off tomorrow it would be $3100. The value on the car varies from tprivate party value in good condition being $3900 to retail value being $5600 in our area. We have a $500 deductible. Now, if the car is infact totaled, how does the insurance pay out?""
Do I need to be on both my parents car insurance?
my parent are divorced and I live with my mom, but i go to my dads every weekend. I am under my moms car insurance (state farm). I was wanting to know, does my dad have to insure me to drive his car? I am only 16 by the way.""
Is it illegal to drive without car insurance?
My Sister has car insurance and she told me to take her to her destination, but i don't have car insurance under my name and im afraid that if i get pulled over for some odd reason and ill get busted for not having insurance.""
Is burial life insurance different from final expense life insurance?
My mom has been wanting to buy burial life insurance but is confused about the terms she sees online. She says she keeps seeing the term final expense life insurance on some of the websites. Can someone explain what the difference in these two terms is?
Does anyone know of any good and affordable marriage counslers in york pa?
My husband and I desperately need marriage counseling before it is too late. We are very poor and can't afford much. Does anybody know of someone good and affordable? My health ...show more
Health insurance just for the baby?
What health insurance is out there that i can just get for the baby? My current job offers family coverage to what i have now but it will be $83 EXTRA per WEEK for family...thats over $300 per month! i was wondering if there was a health insurance program that would do just the baby. THOUGHTS ANYONE?
Can my husband be on his parents car insurance?
Can my husband be on his parents insurance with his car and be on my own insurance with my car? Because right now he is on his parents and I just got a car and I dont want to have both cars on my insurance plan.
Need to find an insurance that will cover infertility treatments?
Please can anyone help me. I have AETNA as my insurance provider. But it will not cover any infertility treatments. I really want to have a baby. My clock is ticking 35 So I will appreciate any info. I can get. THANK YOU!
How much do i need to save for a motorcycle?
I have my g1 and will be attending a motorcycle safety course soon then getting my m1. Then i can drive motorcycles. But I want to wait till next year..I am first buying my car. (03 crown vicotria) After the winter. I am 6'2 and weigh 140lbs. (17 and male) is a kawa ninja 250r a good first bike for me?? how much do i need to save for the bike itself? but also insurance?? what is your opinions?
If you get disability do you lose your health insurance?
I live in Tennessee and I have PHP health insurance. I am thinking about trying to see if I could get disability because of my many health problems. I am wondering since the government pays for my health insurance and I get approved would I lose my PHP?
Which insurance company is the cheapest for a new UK rider?
Which insurance company is the cheapest for a new UK rider?
My auto insurance raised twice as much for not being insured for more then 30-days?
I had auto insurance with state farm and my policy was $180 (just liablilty)per month for 12 months. I ran into some issues with money and could not pay so I cancelled the policy and avoided driving for a little over a month. I recently went to another agency to find a cheaper insurance and they said since i had a registered vehicle that was uninsured for more than 30 days, there is a penalty. Now I pay $340 for 8 months (just liablilty). 3 agency's told me the same thing. My question is will this ever change? How long will I have this penalty ? I have a clean driving record besides this and feel this is unfair and cannot afford it. Is there anything I can do to go back to paying $180p month? When did insurance companies start doing this? I have not found anything similiar through my research. Thanks""
What would be a good starter/first car? Cheap to Run & Insure?
I try to avoid Vauxhall & Ford, So I'm looking to spend 800 on a used car, that is cheap to run, and most importantly cheap to insure. I'm 22.""
Should you be able to buy home owners insurance when your house catches fire?
Your house catches fire. You call the fire department and as they're fighting the blaze, you're on the phone looking for home owner's insurance to cover your loss. Do ...show more""
I moved to long island, port Jefferson area. Anyone know a really cheap auto insurance around here?
I really need one before it starts snowing..Walking and taking the bus here is a nightmare. Please help.
Insurance for a 16 yo?
im 16 and i am looking for a project car. the car i want is a 1971 dodge charger and it will take me a year or two to finish but i was wondering how much insurance would be if i got it and it was all finished and I was on my moms insurance?
Can I go on my fathers insurance?
hi, I am 24 and I have just passed my driving test. I was wondering if I bought a car, would i be able to insure it on my fathers car insurance. I don't want to use his car though, I want a car of my own. How would i do it? and will it be cheaper?""
Do I need uninsured motorists insurance on my motorcycle if I have it on my car policy?
I was just quoted motorcycle insurance by an agent - She claims that If I have uninsured motorists on my car policy, it will cover me even if I'm on my motorcycle and thus I don't need the coverage on my motorcycle policy, making it VERY cheap. Is this true? Are there any con's to doing this? The difference in price on my motorcycle policy is $280 a year without uninsured motorists, and $950 a year with uninsured motorists.""
18 years old car insurance?
Hi, im trying to make an insurance on directline.co.uk me as a second driver and my dad as a main driver and theres ona quastion that says , Is the second driver your-- Spouse / Partner /Other ... If i click on Other, it says that they can't quote me at this time, but if i click on Spouse i get very good price per month like 45 so what should i do? what happens if i click on Spouse but the main driver is actually my Dad, thanks, and sorry for my English""
Who do you contact if you know somebody commiting fraud on there car insurance?
given someone elses address for cheaper insurance
Who is looking for affordable health insurance?
life insurance, health insurance, long term care""
Insurance copay question?
My girl and I each have our own separate health insurance plans through our respective employers, she recently gave birth to our first baby ( we're not married ) She used her insurance plan to cover the hospital fees and we expect to pay about twenty percent of the bill as a copay. Would MY insurance help cover all or part of said copay? I'm guessing it will be about two thousand dollars. Thanks in advance for your help.""
Car insurance help please?
Im 16-17 in December, and straight away im going into driving lessons. which my parents are paying for. But lets just pretend im 17 ive passed my test and im lookin into buying a car.. ive been looking at clio's, but which cars are quite cheapish but still nice cars, and most importantly has cheap insurance, cause i heard insurance is dear these days.""
What is the fastest and best looking insurance group 4 or 5 car i can get?
looking for a newer car to buy that is not just quick but looks good.
Should car insurance be mandatory?
Auto insurance should never be mandatory. Of course you may say What if you get into an accident ? Without car insurance, families can save that extra money in case of an emergency. If a person gets into a 2 car accidents through no fault of his own, the insurance rates will skyrocket. In any case, you will usually pay more for insurance than you would have paid to have your car fixed at an auto shop. This policy also unfairly discriminates against the working poor, many of which are one pull over away from being arrested or having their licenses revoked. If a person with a revoked license has no other means of transportation, it may lead to unemployment thus costing us all. This would keep them in the vicious cycle of poverty and deprive them of their dignity as adults. This is why we should abolish laws requiring car owners to have insurance.""
Why do auto insurance quotes change day by day?
I received a quote today online, then went back to the same quote today and it was $22.00 more. I didn't change any of my info. Why do these quotes vary day by day? Is there a particular time I should search for quote? Thanks in advance for your answers!""
What happens if your insurance lapses in florida?
And your license ends up getting suspended for non-payment/failure to have insurance? What is the process to getting it back? How much does it all cost? Will my insurance go up?
Car insurance question?
Im 16 and about to get my license. For a first car, I'm looking to get a used 04-06 Pontiac Grand Prix. Of course, I want to get the V8 GXP trim compared to the base V6 trim. But my parents say that the insurance on a V8 for a 16 year old male driver would be rediculous, which I know. But how much more would it be to insure a V8 Grand Prix compared to a V6? And would taking a defensive driving course or something make a considerable difference? Thanks for any advice.""
Car insurance quote before buying ?
Was thinking about buying a car (first car) just to run around in for a while before I actually buy a better one when im older but want to ask a question. When buying a car, should I get an insurance quote first, then buy ? Or should I just buy a car I like then think about sorting out insurance for it ?""
Whats the best practical car or van insurance wise for a banned driver?
I was banned from driving due to a dr10 conviction and rest assured i have heartedly learned my lesson from this experience. My question is im looking to get my life back on track and so was wondering if anyone would know whats the cheapest practical car or van insurance wise for say if i wanted to start a buisness or just best overall. When i say practical i mean at least something that could pull a trailer as i e been told a 1400cc would be inadequet. Im 22 with no no claims bonus so i know its gonna be hard but any info appreiciated. Please no lectures i know what i did was a stupid incident but i truly have learned from it.
Does a car not in use need insurance?
Just wondering what the laws were in Canada if I need insurance on my car that is unplated and probably going to the junk yard in the next 2 weeks (have to scavenge some parts before I let it go) Calling my insurance company tomorrow to add on the new car but wondering if I should take the old car off altogether?
Can I buy a new car in my name and put the insurance in someone elses name?
I live with my fiance (both males) and I am buying a smartcar. We are planning to finance it and put the insurance in his name since I am 23 and he is 25 it will be cheaper for him. Will we be fine to do this? We live in South Carolina.
Does full coverage insurance replace your car if totaled?
How much do insurance companies pay you on a vehicle if it is totaled? how much it is worth or how much you paid for it
How can i find affordable private health insurance?
How can i find affordable private health insurance?
How much does auto insurance cost in BC for class 7N?
I'm gonna get my N soon and I would like to know how much insurance will cost so i can decide if i can afford insurance before i buy a car. I'm probably gonna buy an old car, nothing fancy. Thanks a lot.""
Cancelling car insurance?
I currently have car insurance through State Farm and I pay $318 a month. I looked into 21 Century insurance and the quote says I will be paying about $180 a month. My current insurance expires June 11th but my next bill is due May 25th. How do I go about buying/cancelling insurance? I would like to cancel State Farm by May 20th and begin my new insurance that day so I won't have to pay those crazy premiums anymore.
Getting car insurance for a new car but i have a point on my license?
does anyone know how much it cost or what is the difference to pay when getting car insurance if i have a point on my license. i just bought a used car and i want to get car insurance for it under my name. however, i have a one point on my license. anyone know how much of a difference in cost a point would cost? or anything else i should know?""
Is the Honda civic si considered a sports car with insurance companies for a new young driver?
I was wondering if a 1995 1996 1997 Honda civic si would be CONSIDERED A sports car with the insurance company? I'm 16. Thanks
Car insurance quote sites not recognising vehicle reg?
Hi my partner is thinking of buying a car and we're looking at gocompare.com and confused.com but we are not getting anywhere as neither website recongise either the vehicle registration number or the make and model of the car! we know it is genuine as we have done a vehicle check on it. any ideas why we can't get quotes? it's a nissan pickup from 1999. many thanks
""Compare car insurance with health insurance, car insurance is a law, health insurance isn't why?""
car insurance is a law right? and I know a lot of people that have a very difficult time paying car insurance since it's so high, but it seems like insurance companies are making a lot of money, NOW how can we compare that to health insurance if it became a law to have to have it. You would hope that health insurance would be more affordable since more people are putting money into the pot right, but I am afraid but it being a law, the rich (insurance companies will get richer) and raise the cost of health insurance since it's a law. Maybe our solution would be to have our government give us tax breaks on health insurance premiums and some how get more for our money with health insurance. It's sad that you have to spend $500.00 a month for health insurance but still have to pay office visits and wait 6 months for preexisting problems. Maybe the solution is to have better health insurance options, right? Isn't that what McCain wants?""
I moved to long island, port Jefferson area. Anyone know a really cheap auto insurance around here?
I really need one before it starts snowing..Walking and taking the bus here is a nightmare. Please help.
https://www.linkedin.com/pulse/what-type-car-has-cheaper-insurance-luxury-sports-daryl-preisentanz"
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If i have one product insurance with two companies can i claim both?
"If i have one product insurance with two companies can i claim both?
I lost a mobile phone. I have insurance from my bank and network provider, so can i claim from both of them?
BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr
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I got a quote for about half of what I'm paying with another company with the same coverage.
How much would my insurance premium rise be? Car accident.?
On the interstate going home from work, it started raining just as I entered, really hard. Then I saw this white car in front of me, who stepped on his brakes, and as soon as I saw that, I stepped on mines. I couldn't swerve to the right where the gravel and grass were cause the white car was already headed that way , since it was raining my brakes didn't help and instead my car slid and his the back left corner of the white cars, and then I hitted a gray car from behind. My car is messed up really bad and cannot be repaired. When I gained enough sense to realized what just happened, there was 5 cars that had stopped, but mines was the only one badly damaged, unrepairable. Nobody was injured, and everyone's car was still drivable. The officer basically said it was my fault, cause I couldn't stop MY car from hitting the other two. Now I have to pay a ticket of $165 and my insurance will be paying for the other car's problems.""
""If I get a pull-behind trailer for my car, will I need to insure it?""
Probably a stupid question, but I'm clueless.:) If insurance is required, what happens when I want to loan it out to friends and neighbors? Thanks!!""
If i have one product insurance with two companies can i claim both?
I lost a mobile phone. I have insurance from my bank and network provider, so can i claim from both of them?
How much does it add to your insurance if you add a body kit to your car worth about 500 if your 18???
How much does it add to your insurance if you add a body kit to your car worth about 500 if your 18???
Will getting one speeding ticket increase my insurance bill? Will it show up at all on the bill?
I have Allstate if that matters at all..
I need cat insurance?
Does anybody know of pet/cat insurance in california that is affordable?
Whats the Bmw M3 insurance like?
im a 16 year old female in Florida and im looking into getting a 2002-2003 Bmw m3 in august.I was wondering if anyone else has one and could tell me what the insurance would be like. haha
Question about cheap health insurance??/?
i am looking to buy some health insurance that is affordable that will cover a tubal reversal surgery %100. I had my tubes ties or burned 5 years ago and now we would like to have another child but i just have medicaid and that wont cover it... Any ideas on some insurance plans that would cover a tubal reversal and pregnancy and where i can find a doctor that will do a tubal reversal with health insurance????/
How do you find out if a driver has insurance or not?
My car got hit and the driver took off. I have their name, address, and vin number but they did not provide an insurance company name either because they don't have it or there's a possibility that it was not provided at the time. Who can find this out for me, the police said they can't and my insurance company said they don't think they can either....""
How much do you pay for full coverage car insurance?
i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay
What kinds of things can give you lower auto insurance?
I'm planning to buy a car in a couple months, what types of things should I look for to keep insurance as cheap as possible? I've heard two-door costs more on insurance than four-door, is that true? Does it matter if it's automative or manual? (I can drive both, so doesn't matter to me). Any other tips? Thanks!""
18 year old and car insurance...help please?
I've been saving up the past 3 years to buy myself a car. I've saved about 18K for a new car, so my price range is from about 18-24K for a car, new or used. Some cars that I'm interested in are: In Order: 1. 2004 BMW 530i 2. 2004 Infiniti G35 3. 2005 Mercedes C230 4. 2004 Acura TL or RSX 5. 2005 BMW 325i My problem isn't whether I can afford the car and the maintenance fees, its the insurance. I would be under my fathers insurance. He's 55, no accidents or tickets, been driving since 16. He would be the primary and I would be the secondary. I go to college, have a 3.8 GPA, work part-time, have been driving since 16, no accidents or tickets, and the car would be parked in a garage. I also wouldn't be driving much, just to and from school (less than 7500 miles a year). How much would basic insurance be? I hate getting online quotes because its time consuming and I hate getting spam emails and phone calls. I'm thinking of buying the car soon, so please help. THANKS!""
Car insurance black box (auto saints)?
I am going to have my car insured with a black box soon from auto saints, because it's much cheaper than any other insurance that I have looked at. My question is, after the second year does the insurance go down a lot with a years of no claims bonus (my friends say it doesn't) . So is it worth it? and do I have to keep the black box for the second year as well or is worth it changing insurance company after the second year?""
Getting car Insurance with a provisional license in Ireland?
I'm 17 years old and I just passed my theory test today (Woohooo!) I live in IRELAND and I'm wondering what would be the cheapest way for insurance? Insurance would be much too high to go on my own. My mom doesnt have a license or even a provisional license, she doesn't intend to drive either for personal reasons. There's nothing that can be done there is there? I could go on my brothers insurance,he has a full license for around 8 years. He lives a county away though so how would that work? What are the rules about me going under his insurance? I would appreciate any help as I'm new to this and I need help. Thanks!""
Anbody have Good2go auto insurance?
My fiance and I recently found out that our policy has been cancelled (literally had no idea) so we have to find a cheap car insurance fast. Good2go is known for being cheap- but does anybody have it??? Please let me know how you like it- it almost looks a little sketchy lol. If anyone else knows how to get CHEAP car insurance in NJ please speak up! We just had 21st Century. He has a perfect driving record, I have made some mistakes in the past- which is why everything is so high for us. If anyone knows a loophole or anything let me know! Thanks!""
What is the best individual orthodontic insurance?
Hey there, I am a student in college right now and I just got braces on a few months ago. Then my mom lost her job and we lost our insurance. Does anyone have any good orthondontic insurance out there for the individual? I'm searching but I am having a hard time even starting. The total cost is 2845.00 and cigna was only paying 345.00 anyway. Anyone else getting a better deal out there?""
How much more will my parents have to pay if I were to be added on their Insurance policy?
I am 19 and just got my G2. I want to take out the family car out on the weekends. How much more will the price go up by for my name to be included in their insurance account? And would I be able to drive without my name under their insurance account legally? I live in Toronto, Ontario.""
How much more expensive is insurance on a V6 car than a V4?
How much more expensive is insurance on a V6 car than a V4?
How much would full coverage car insurance cost?
for a 2003 chevy impala 64,xxx thousand miles i am 21 with no accidents or tickets!!!""
Do Auto Insurance Quotes Affect Your Credit Score?
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How many babies will citizens be permitted to have once costs are fixed through insurance mediums?
How many babies will citizens be permitted to have once costs are fixed through insurance mediums?
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Ok someone told me today about starting a account with PSECU but im not really sure what that is. Im trying to get a car and someone else told me I should get a car loan and finance a car. Can someone please explain this to me If I take out a car loan , get approved, get a car, how does me paying the loan back and the car payment works ???""
Will my car insurance change if?
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Is it illegal if someone else pays for my health insurance?
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How much would this monthly payment approx be?
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I'm about to take my driving test & want to buy a new car, any recommendations for cheap purchase & insurance?""
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Hey , wuts a ballpark answer 4 how much the insurance for a 97 camaro z28 would cost for a 17 year old ? Also, are they pretty good cars and reliable? I alresy got an online quote , but I want answers from ppl who've owned a camaro from 1993-97.""
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Is eCar a reliable car insurance?
I need a cheap car insurance, and I heard eCar is really cheap.. but I don't know if it's reliable or not!!!!?? Please help!!""
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And your license ends up getting suspended for non-payment/failure to have insurance? What is the process to getting it back? How much does it all cost? Will my insurance go up?
Cheap car insurance for an 18 year old?
I'm hearing so many different things. Some people say you can use part of your parents' no claims to bring down the price, but I can't find any sites online who say that. Does anyone know of any cheap places or best companies to try by phone to get a realistic car insurance quote for an 18 year old? Thanks in advance.""
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If so, how do you pay for it? How long do you work for and how much do you have to pay for your insurance? Just wondering :) and if you want what type of car do you have?""
How long do you have to get insurance on a car after loaning?
A relative of mine wants to take over notes to my current car. I'm waiting for papers to come back to approve her and get the title in her name. The note was too high anyways but I have to pay for the note ($375) and insurance ($251) until everything is situated. Well I found a cheaper car for 6,000 and I'll be paying a little more than $100 each month. I want to hurry and get this car because I really like it and if I wait too long then it would be gone. Do I have to get insurance on it right away. I won't be driving it until I get insurance. Would they come and repo it if I don't have insurance but paying the note? I can't afford two notes and two insurances. So that's why I wanted to wait until I got rid of my first car to get insurance.""
How much is a no insurance ticket in illinois?
I've been trying to look this up, can't find jack **** on it.. How much is it?""
Texas Roadhouse health insurance?
I was told working full time here I'd get free health insurance. Does anyone know if this is true? :)
How can i lower my car insurance?
how can i lower my car insurance fee monthly when i payed off my car already
Are insurance rates different for a lifted Toyota Tacoma rather than a normal one?
I know i'm getting a used Toyota Tacoma, under 100K mileage, and I really want a lifted one, but I need to know if insurance rates are different?""
What is the average car insurance price for a new driver?
I have my driver licence almost eight months ago in NH. Now I moved to Mas and I pay about $ 210 per month for car insurance. I want to know if I can find cheaper or this not too bad for a new driver. I own a 2000 ford Taurus since two months. What do you think guys?
Help! I need auto insurance fast?
I'm 23 years old and need auto insurance immediately. I live in California and would prefer to have nationwide coverage. I am single, no kids. I'm really considering liability or something low-end because insurance here is a lot more than what I was paying in Pennsylvania. I am also a full-time student and heard that might get me a discount with some agencies. Any advice?""
What are the recommended coverage i should have for auto insurance?
i don't know anything about auto insurance, so im trying to figured out what i should include in my policy, not just standard, but recommended coverage, so that if anything happen the insurance company can't say this or that doesn't covered...im a person that rather be safe than sorry later... so far i have statefarm in Florida, and here are my coverage and limit so far: liability bodily injury 10/20, property damage 25 per accident. no-fault coverage comprehensive collision uninsured motorist bodily injury 10/20 is there anything else i need to add or missing? is there different between the personal injury protection and no-fault coverage? is my limit enough? my friend has 50/100 limit and pays much lower premium than me (about 40% less).""
Where can i get the best & affordable health insurance?
company does not provide it anymore. where can i get the best and affordable health insurance that i pay for myself. thanks
""What insurance would be cheaper, an 81 corvette or a 2005 car and newer?
my friend wants to buy an 81 corvette and his mom wont get it for him because of the high insurance but she says she would by him a newer car some where else would the insurance be less because its an old car or would it be more because they dont make the parts anymore
What are the monthly insurance rates for a 2007 GT Eclipse and 2007 GT Tiburon?
I am trying to compare which would be a better/more affordable car to have. I am 19. I know age has alot to do with it, so even if you are older just tell me your payments plz, and if you can estimate how much it would be for me, that would be great. Thanks.""
""Why do we call life insurance, life insurance?
when it pays you for dying. Annuities are really life insurance. They pay you in case you live.
We are looking for affordable healthcare insurance for my husband and i we are not wealthy but we need?
health insurance we would be paying it out of pocket there would be no way for us to have bluecross blueshield but we need something we are in our 40s and if someone could helpus with the right info we would really appreciate it SINCERELY ,, miserable and uninsured""
Abortion insurance?
I'm doing an essay on abortion and had a quick question about insurance. Does Obamacare cover abortion at planned parenthood in Seattle, Wa?""
How much will my car insurance go up after my exhibition of speed (racing) ticket?
He didn't write down a speed or anything on the ticket. I'm 17 and have allstate if that helps.
How much would it cost for a 17 year old to insure a.....?
How much would it cost for a 17 year old to insure a 2007 VAUXHALL CORSA VXR TURBO 1,598 cc""
Functions of life insurance?
what is the functions of life insurance
""Why does your Fica score dictate an insurance premium rate, why not your driving record?""
are the insurance companies worried they wont get paid,,,,??""
How much is your monthly car note and how much is your insurance? How many months do you have to pay it off?
What do you drive and do you feel its worth it? I pay $271 on my note. My insurance is $138. I had 42 months on it. I drive a 2005 chevy cobalt. So far I guess it is worth it. Driving is very expensive.
Auto theft and insurance question?
My 95 Honda accord was stolen last week and I did have full coverage etc..how do i negotiate a fair replacement cost of the car to the ins company when they offer me their price? I have Allstate and they have been grat in followup with me, but i dont know how they will base the value of the car..will it be kelly book or the NADA? thank you!!""
If i have one product insurance with two companies can i claim both?
I lost a mobile phone. I have insurance from my bank and network provider, so can i claim from both of them?
https://www.linkedin.com/pulse/which-auto-brand-cheapest-insurance-ontario-cleofa-escobedo"
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Named driver car insurance?
"Named driver car insurance?
How much would it be for a 20 year old, 2 years passed, to be a named driver on a picanto 1 litre, with hastings direct, thanks
BEST ANSWER: Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr
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How much is the average car insurance if I'm 18?
""Where are some companies in Memphis,Tn I can find cheap auto insurance?""
Where are some companies in Memphis,Tn I can find cheap auto insurance?""
What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?
What would be the approximate cost of insurance on an 2004 Acura TL for a 17 year old boy?
Help with insurance terms?
Hi, i am having trouble working out what my insurance guy is telling me... what is a premium, and how often is it payed, and what is excess, and how often is it payed? what should i be asking and checking for? Thanks""
Can i get Health New England Insurance in other states?
I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""
Why is health care so expensive in the U.S.?
I know, I know -- look at other yahoo! answers first... But what I'm wondering is, why is it so much MORE expensive? Is health care really of a much lower quality in other countries? Do their governments regulate it more? Thanks in advance. :)""
Does Everybody Have Car INsurance?
Not having it is against the law #1 and #2 very dangerous. I had a friend who didn't have insurance and got in an accident and had to pay $20K in hospital bills.
What is the best website to reseach and compare auto insurance quotes?
What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?
Where can i get the cheapest car insurance if im 18?
93 prelude
""Someone reversed into my car, is it better to go through maaco instead of insurance? its jus ta minor scratch?""
i was at a stop sign and i was abou tthe 4th car, well the 3rd car decided to reverse to leave and backed up and hit the front of my car. its not really that bad but its still a big scratch. is it best to just have her pay my estimate at maaco? or deal with insurance? i don't want to get jacked up insurance rates because someone doesn't know how to reverse.""
What is the difference between term insurance and whole life insurance?
What is the difference between term insurance and whole life insurance?
Named driver car insurance?
How much would it be for a 20 year old, 2 years passed, to be a named driver on a picanto 1 litre, with hastings direct, thanks
Motorcycle insurance is so expensive?
Basically I'll be doing my cbt test this Wednesday so I can ride my 125cc supermoto which I use for dirt biking. Checked insurance on my Yamaha WR125X and it's 1400 for comprehensive, da fk is this? After seeing that I was physically sick. So I thought I'll just check on the most cheapest moped and it's 700 which is still expensive.. How the fk do these kids I see with mini coopers afford insurance and all I wAnt is to ride a small 2 wheel sht face. I'm 18, 19 this march, work full time. Can I find it any cheaper anywhere? Should I go for third party insurance? I just hate my life""
Cheapest Auto insurance?
Cheapest Auto insurance?
Progressive good student discount question. PLEASE HELP!?
i just found out i have to pay $100 per month for my insurance and i just got my license but my parents can't really afford to pay that right now so i was wondering what is their required GPA for the good student discount in California, Please help me.""
Auto insurance companies keep calling me?!?
i went online looking for some quotes now all kinds on insurance companies are call my phone leaving voice mails. about 20 calls in a hour. is there a way i can get my number off the insurance quote list /something?? thankyou!
What questions can I expect if I want to get a car insurance?
Also how can I lower my insurance rate. Currently I have IP only (not the actual driver's license) but have recently purchased the car. I live in OH.
How much would insurance be for a 17 year old girl driving a 2003 350z?
how much would insurance be for a 17 year old female driver...for a 2003 nissan 350z.
What is a good and cheap insurance for a Acura Rsx 2002?
I just recently got my license and want to know of good and cheap insurance for my car.
How much (Aprox.) would car insurance cost for a living in Iowa?
19 year old male living in Iowa, zip code 50659 '96 Camaro.""
How does insurance work?
im 19 years old n as far as i know i have insurance through my parents work...n i want to go to the doctor for birth control but i dont know how to tell them about it...im not close with my parents at all! so i was thinking of going without them knowing but if they bill my insurance is there a way for them to find out even tho im over then 18????
Does medical Insurance transfer to a different state?
I have Kaiser Permante for medical insurance. It is very possible that I will move from California to Florida next January. How will my insurance switch? I heard there is no Kaiser there. Is there an alternative company? How can I find this out if I can't find out here?
""I would like to buy health insurance for my 13 year old son. What is the average cost in San Diego, California
What's average cost of health insurance for 13 year old boy in California?
Where can I find affordable life insurance for sr citizen in-laws?
I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have ...show more""
Classic car insurance for new drivers?
Hello. Can you get classic car insurance for a new just test passed driver. If the car is say a 1.1 escort or similar and the driver is over 30 years old? or is it verboten until at least 2 years have passed driving with normal insurance? Thankyou.
How much does Whole Life insurance cost?
I have a quote for 20-year term life insurance for a non-smoker for $48 a month. How much would it be a month for whole life insurance?
Cheap Insurance? For Young Driver?
I am looking for a cheap insurance company. I'm 17 and the cheapest quote iv had is around 2100. Anyone no of any cheaper? Thanks.
What's the cheapest and best company for car insurance/home insurance/life?
We are moving out of our current state and need to switch companies. I was just wondering what the cheapest company (also with good service) for all types of insurance would be. Thanks!
Which Is the best car insurance?
Hi everyone!! I am a 20 year old single mother. At the moment, I am studying and also about to get back into work. I have just passed my driving test and looking to buy a car....realistically, I think at this point a used one is ok even though I saw a site that sells cars and you can pay on installments. If I wanted a Ford KA, or a Mini Cooper, or a Renault (the one from the I see you baby shaking that asss advert few years ago), which insurance company is best and can give me a good cheaper deal. Thank you!!!! p.s manual cars are my focal point.""
About car insurance what will happen?
okay so a few days ago i was driving my breaks dident stop in time it was very slow and i wasent going that fast at all my breaks dident stop in time and i left a very very lil scrab on a guys car and he said if i cant get 220 dollars by tomorow he will call my moms car insurance will that make the price higher?
Will I go to jail for not having health insurance?
Will I go to jail for not having health insurance?
I have already asked if i can get car insurance without license someone said put it in my name is that the car
put car in my name or insurance in my name?
Where can i get cheap auto insurance for an 18 year old student with a mustang?
Well this may sound like a long shot, but I just recently bought my son a Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly $500 a month, even with a 1990 honda junker it still cost nearly $400 do these prices seem reasonable, i cant recall them being that high, when i first got insurance, thanks.""
Home Insurance/Replacement Cost of Manufactured Home?
Is it normal for a manufactured home to have a lower replacement cost limit calculated from a cost estimator than a normal home?
Why has my car insurance quote shot up overnight?
My renewal is on the 3rd October, so I've been already looking around for the cheapest deal. It was up until today 852.09 for 3rd party, Fire and Theft. However, today it has gone up to 1433.07...which is almost as much as last year. I've also noticed that the cheapest insurance provider (the one that provided me with the 852.09 quote) is no longer providing me with a quote, and that it's forcing me to have to go with the second lowest price...but all the other companies quotes have gone up as well... My birthday is next week as well, so I'm wondering if it has gone up to take advantage of the possibility of me having to buy new insurance cover or something? Really finding it hard to find the reason how the quotes can have gone up by so much over-night with no change in my quote information at all :/ My details: 19 Years old Male 1 Years NCB Punto Sporting Thanks in advance!""
""Health Insurance, Medical Insurance, and Individual Health ...?
United Health One health insurance plans for individuals and families. http://unblockyoutube.cn/health-insurance.html
Average cost of car insurance ?! 20YO?
I'm a 20 year old female , I'm about to get my own car insurance . What's the average monthly cost for someone my age with just an old beater car?""
Named driver car insurance?
How much would it be for a 20 year old, 2 years passed, to be a named driver on a picanto 1 litre, with hastings direct, thanks
Financing a car & insurance?
I'm 21 and I'm located in NYC the insurance over here is sky rocket high. I paid 1600+ for liability insurance for a old lexus from GEICO. I am asking my uncle to help me finance a 2006 bmw 530i which is about 32k and I already check if I finance under my name how much it would be. It is 10k for insurance a year lol... So I want to know if my uncle finance the car for me and I make the payments does he have to add my name under the insurance ? I don't need my name to be the co signer. I just want to know incase I do get into an accident what will happen ? Most people use their parent's insurance so I just want to make sure and get some facts before I ask my uncle. Thanks
Question about motorcycle insurance.?
I was wondering if anyone could tell me, on average, although there are multiple considerations...how much difference would there be in monthly insurance premiums between a 500cc bike compared to a 650cc bike? I heard that its actually quite a bit of difference, as I think I've heard that anything less than 600 is quite less than anything above 600cc's. I was just wondering if anyone could confirm this, and hopefully give me some estimated figures. Thank you""
How much would insurance for a Subaru Impreza WRX be?
I am getting my license very soon and I plan on getting an 02 Subaru Impreza WRX for my first car. I am curious to know what will be the monthly cost of my insurance (an estimate). I will be on my parents insurance and they have Liberty Mutual. I know that the WRX has one of the highest insurance rates but I want to know if it will be doable or not. Thanks in advanced.
Is insurance cheaper with driving school or learning at home?
i want to learn at home.
If the insurance company totals my car do they keep it?
My car is old. Its a 95 Neon and it was backed into this weekend. We got one estimate of 2600 but that is more than the car cost. If we go thru the insurance company and they total the car will they keep the car or let us keep it. It still runs fine.
Can I get an auto insurance without owning a car?
Over the next couple of weeks, I'll be renting a car. Since the insurance from rental companies is so expensive, I'm planning to get my own liability insurance and use it with the rental vehicle... can I do that? I do not own a car! Also, what is the best insurance company for me, I'm 23/male/texas with a clean record.""
How much price of the car drops after a accident occurs?
Rear ended............. car bumper is damaged honda civic ex sedan 2008 ?? The insurance wanted to estimate a diminished value for car and I just want to be prepared to know around how much would be rational. Thank You so much.
""How to lower my car insurance, young driver.?""
I am 18 going 19 this year, and i want to know how i can possibly make my insurance cheaper, legally. I took my pass plus which is meant to cut the price down by a bit, but I've found most internet comparison websites don't ask if you have achieved pass plus, so would it be ideal to get a quote online THEN ring up and try knock the price down? Also what else can i do to cut the cost down, legally?""
Dentist cost for teeth cleaning without insurance?
I live in Fairfax, VA and was wondering how much would it cost for the teeth cleaning with no heath insurance. thanks""
What would the insurance be on a 2004 Saturn Vue?
My parents are being extremely kind and letting me get my license. Along with the license, they are offering to pay half of the price for a car for my and my brother. We are extremely tight on money, but they are being incredibly generous, so I thought it would be good to get an older, but safe, fuel-efficient car. I thought a Saturn Vue would be perfect. I'm 16 and my brother is 18. We are all going to be on the same insurance plan, and we are both (in my opinion) very good drivers. Does anyone know how much the insurance would be on a 2004 Saturn Vue? If it's too much, we would go with either a Ford Focus or a Honda Civic (we wanted a bigger car because we have both been rear-ended in our car driving home from high school. Both cars needed thousands of dollars of repairs and we needed rehab from our injuries as well. The bigger the car, the safer it is...while still keeping that fuel-efficiency). Thanks so much!""
How much does driving test cost in the uk and insurance for a 17 year old?
how much does driving test cost in the uk and insurance for a 17 year old and how many driving lessons should i take ?
What's the easiest way to get health insurance?
What's the easiest way to get health insurance?
""If I bought the DB9 they wrecked in the Bond movie, where can I get it repaired really cheap.?
Is insurance cheap and can I drive it really fast because it was used in a movie?
Who does the cheapest temp cover car insurance?
Who does the cheapest temp cover car insurance?
Can i drive any car with insurance?
Alright I asked a question earlier and i didnt provide enough information Im 16 and my dad just got me insurance on our car, a toyota camry. He said that i can drive any other car as long as i have the insurance card of the camry, i have my 'own' car (acura) that i dont know that i can drive or not that is under my dads name.. but that car isnt under our policy. is it true that i can drive the acura with my camry's insurance?""
""Car insurance costs, is this right?""
Im currently 19 years old and have been with Esurance for a year now. I have a 1998 honda civic and my payments are at $65 a month, im currently looking in to buying a new car and called them up tonight to get a quote for it and they said my monthly payments would increase to $360 a month (car i called about was a 2012 chevy sonic hatchback). Does this large of an increas seem correct? I have never gotten in to an accident nor needed to call upon my insurance for anything, so why does the price jump so much higher?""
Charged with impaired and insurance (CANADA)?
I was charged with impaired driving when i was 21. I fought it in court and it did nothing but make me spend lots of money and drag things out even more. Now i am 24 and get my full license back at the end of this month. I have had my license for the last year but with the interlock ignition condition on it. Not being able to afford the ignition interlock i decided to not drive. I am seeking advice from a insurance broker or somebody who has been charged with impaired and has gone through this. ON average what do you think i will be paying for insurance? Do you have any suggestions to make? I have a feeling i wont be able to afford it and will still take public transportation but i am curious. Please only answer if you have dealt with this situation
Car accident with no insurance?
I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance
How can i get auto insurance? Complicated story.?
Ok so i currently DRIVE a 2005 Mazda 3. When I originally moved to Florida 3 years ago, My good friend, who I moved to florida to live with, so graciously loaned out the car for me. My credit was and still is horrible, so at the time the loan was put solely under his name. Thus, the car is registered in his name. Three months ago, My friend moved to california with his Fiancee and I moved back to where i grew up in pennsylvania. Well long story short, I'm moving back to florida to get in state residency for college. While i was up in PA, Geico cancelled my insurance cause i was out of state for too long i guess. I had insurance with them under a family plan with my friend when we lived together in Florida. So basically the car is registered in Florida, the owner(my friend) lives in California, My credit is to crappy to change the loan into my name or even have me as a cosigner, and I need to somehow get insurance back so i can drive my car back down to florida next month when I move back. Any suggestions at all as to how i can get Insurance, while still having my friend as the only person on the loan/car registration? Again the car is still licensed and registered in florida, where i'm moving. ANY HELP AT ALL IS GREATLY APPRECIATED!!!!!!""
""In Connecticut, Return Licence plates first? or end car insurance first?""
ANYONE WHO KNOWS ABOUT CONNECTICUT DMV & POLICIES! HI, i'm trying to take my car out of my insurance, do i return the plates to DMV or end insurance first???? helppppp""
How much is insurance for a new driver (teenager) on an old car?
I have my L currently and im 18 living in vancouver and we want to buy a automatic car but not an expensive one or anything, like an old one, say the car was max 8000 min 3000. 1) how much would the insurance be for me to drive it IM 18! 2) this is with BCAA""
How much would insurance cost for a 1995 Honda civic ex?
For a 35 year old with a good driving record? I know its different from company to company but what's a good estimate
How do I go about this? Car insurance for myself and get the car in my name?
My mom is giving me her old car. She has it in her name, and I want to put it in my own name with my own car insurance. I'm moving out so this is the reason for it. I live in Florida.""
Does anyone know how much your car insurance will go up on a 1st offence dui???
Does anyone know how much your car insurance will go up on a 1st offence dui???
Auto and House Insurance...what to ask!?
I'm a first time auto and house insurance buyer....yipee (NOT!) As I shop around for prices, I find each of the policies vary so much. What are some key questions I should be asking? What are the things I should be inquring about which will greatly affect the future with this insurance? In other words, to those of you who have had experience with insurance policies, what do you find most important in having on your policy? How do I make sure I'm well covered?? Thanks!!!""
Named driver car insurance?
How much would it be for a 20 year old, 2 years passed, to be a named driver on a picanto 1 litre, with hastings direct, thanks
https://www.linkedin.com/pulse/do-you-need-private-insurance-ben-rakowski"
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Debt Optimization Framework For Financial Independence
Debt is an interesting animal. Most of us get into debt because we WANT something we cannot afford. We want a private school education so we borrow $50,000 to learn something we can learn for free on the internet. We want to live a fabulous lifestyle in our 20s so we put everything from fine dining to designer clothes on our credit cards. We want to stop paying rent, so we leverage up 4:1 to own a property that will crush our finances if we need to sell in a down market.
Make no mistake about it. Debt is a manifestation of greed. Which means I’m one greedy bastard! I wanted to live a nicer lifestyle and I wanted to get rich as young as I possibly could.
Some of you might be thinking you aren’t greedy for having debt. But deep down, you know what I’m saying is true. Not only are you greedy, you’re impetuous to boot. But don’t be ashamed. If managed properly, greed can often be good when it comes to reaching financial independence sooner.
In this post, I share with you my debt history followed by a debt optimization framework to help you build wealth faster while minimizing the chances of a financial blowup.
A Stroll Down Debt Lane
With everybody in agreement with my debt type rankings, here are some key moments in my life when I could have gotten into debt or actually did get into debt.
College Years 1995 – 1999: I had zero debt because my parents paid the $2,890 annual tuition and $4,470 room and board which I’ve since repaid. I purposefully chose The College of William & Mary over a private school (~$35,000 all-in back then) because I knew that if I couldn’t get a corporate job after graduation, even with a minimum wage job, I’d still be able to reimburse my parents quickly for four years of tuition. Besides, William & Mary is a great school with small class sizes and a beautiful campus. I was humbled they accepted a kid like me because I didn’t do well on my SAT.
The College of William & Mary was so cheap as an in-state student during my time.
NYC 1999 – 2001: I continued to have zero debt because there was nothing to buy and nowhere to go when you are working 70 hours a week. All I wanted to do was save money and sleep with the precious time I had left. The money I did spend going out was usually charged to my credit card which I promptly paid off each month. If I could have afforded to purchase a NYC apartment, I would have gotten into a lot of debt. But with a base salary of $40,000 my first year and $55,000 my second year, I couldn’t afford to buy a closet, let alone a studio.
SF 2003 (debt begins): At the age of 25, I was restless to change my life. I had several hundred thousand in the bank due to a lucky stock pick (VCSY went from $3 to $150 in several months) and aggressive savings. I was *this* close to leaving everything behind and moving back to Honolulu to work on my grandfather’s vegetable farm. Instead, I took on a $435,000 mortgage by purchasing a $580,500 2/2 condo in Pacific Heights. The condo seemed like a no-brainer at the time since it has a dead on park view that in Manhattan would cost well over a million. Overnight, I was reinvigorated to earn more money due to my debt burden.
SF 2005: I took on a $1,288,000 mortgage by purchasing a $1,520,000, 4/3.5 single family home. For some reason, I didn’t fear taking on so much additional debt because I was being outbid on 2/2 and 3/2 condos that were being listed at $1.1M – $1.2M and being sold for $1.3M – $1.4M! For $120,000 more, I was getting an entire single family house in a good neighborhood that had four bedrooms, and three and a half bathrooms. Yes, it was close to a busy street, but it was also the cheapest single family home I could buy in the north side of SF with this type of scale. The listing agent was from out of town and had listed the house during Christmas when many people were away. I smelled opportunity and went all-in with what I had at the time.
SF 2007: I took on a $560,000 mortgage after purchasing a $715,000, 2/2 vacation condo in Squaw Valley, Lake Tahoe. I thought I was getting a deal because the sellers had bought the condo for $820,000 a year and a half earlier. In 2007 I was at the peak of my financial wealth. Little did I know the housing crisis was right around the corner! As a 30 year old, I thought I couldn’t lose. But on paper at least, I lost BIG TIME.
SF 2014: After spending years grinding back all my losses and getting comfortable as an early retiree starting in 2012, I took on a $992,000 mortgage after purchasing a $1,240,000 fixer upper single family home. I was able to do so partly because a 5-year CD expired in early 2014, giving me the 20% downpayment and a 20% cash buffer.
I was again going through a “what should I do with my life moment” and considering whether I should go back to Honolulu to be closer to my parents, when I stumbled upon this house with panoramic ocean views listing for 40% less on a price/sqft basis than my northern SF home. It made no sense the price would trade at such a discount, where everywhere else in the world, ocean view homes trade at a significant premium. I just had to have it. The property was in what I considered to be an “undiscovered” neighborhood that is just now going mainstream.
Total mortgage debt taken out: $3,275,000
Holy crap! That’s a lot of debt to take on by age 37. Taken in isolation, $3.275M is an inordinate amount of money to borrow. But if you compare the debt amount with its associated asset values and my income, the debt figure seems more reasonable.
The total value of my real estate holdings is roughly $6M. Therefore, my debt-to-asset value ratio is roughly 54.5% aka Loan-To-Value (LTV) ratio. Today, many banks require a borrower to put down 20% on a property, thereby giving the borrower a 80% LTV. Thus in this regard, I’m well in the money.
Further, today, I don’t have $3.275M in debt anymore. After checking my mortgage balances on Personal Capital, my mortgage debt is “only” $2,089,550 for an even more reasonable LTV ratio of 34.8%. This means I’ve got about twice the amount of equity as I do debtWithin 20 years, I plan to get my LTV down to 0%, ensuring that I have at least a $6M net worth to pass on to my children estate tax free. Unless they are bad, in which case no soup for them.
Current total debt
The Lake Tahoe Vacation property is worth about $700,000 (54% LTV). The Marina single family home is worth about $2,700,000 (30% LTV). The Golden Gate Heights single family home is worth about $2,000,000 (45% LTV). And the 2/2 Pacific Heights condo I bought for $580,500 in 2003 is worth about $1,000,000 (0% LTV).
Based on my ratios, I’m not that leveraged. It just seems that way given the total dollar amount is relatively large compared to the median debt amounts Americans have.
The Value Of Debt
Here are some reasons why I’m not freaking out about carrying $2M in debt.
1) Nicer living arrangements. Although I recommend living like a pauper between ages 18 – 34 to achieve financial freedom sooner, after four years of crappy living arrangements after college, I had had enough. Since I was 26, I’ve lived in nicer places compared to what I would have rented because I had drawn a line in the sand at spending more than $2,000 a month for rent.
Today, it is rare for a 26 year old to live in his own 2/2 park view condo in Pacific Heights. The same goes for a 28 year old having his own single family home in a nice neighborhood. If I hadn’t bought property, today I’d be super liquid. But I also wouldn’t have been able to live as well I did for ~12 hours a day for the past 14 years.
2) Passive income. My rental properties generate roughly $109,788 in rental income after all expenses and before taxes. Rental property alone can comfortably provide for me and my wife. Unfortunately, it’s not enough to also cover the cost of raising a child in San Francisco comfortably. Hence my hustle to make $200,000+ in passive income.
3) Investment bet. To be able to control $6M in assets for only $2M at a blended interest rate of 2.65% in the cheapest international city in the world is a long-term bet I’m willing to take. Although San Francisco is going through a price softening now, I’m bullish that prices will be higher 10-20 years later.
I’ve been to many major international cities, and San Francisco is good value relative to the jobs and incomes available. For example, Vancouver is even more expensive than San Francisco, yet they don’t have dozens of companies paying new college graduates $100,000+. Nor does Vancouver have the VC and startup ecosystem that helps drive innovation. Besides seeing the data, I know these six figure income levels for 20-somethings to be true because I see the pay stubs of many tenant applicants as a landlord.
San Francisco has got so much upside potential
4) Perpetual motivation. After experiencing 13 years of overseas living, life is relatively easy in America. If you don’t believe me, take a trip to New Delhi and see what hardship really looks like. You can even go to developed Hong Kong and see how little you get in housing for your money. We’ve got it so good. No wonder most of us speak only one language and are out of shape!
If I had zero debt and $200,000+ in passive income, I’m SURE I’d turn into an aimless trust fund kid who decides to travel the world for a year after only putting in a couple years of work. Instead of publishing 3X a week on average for the past eight years on Financial Samurai, maybe I’d publish once a month instead. Instead of responding to comments and e-mails, perhaps I’d just ignore everyone!
Knowing there’s $2,089,550 in mortgage debt still left to payoff keeps me focused on optimizing my finances. I could have quit building my passive income when it was generating $80,000 – $100,000 a year, but I kept going due to a desire to provide the best possible life for my family.
In a personal finance geeky sort of way, I view my four mortgages as my four kids. One has already graduated from college (paid off in 2015), with three left to nurture for the next 5 – 10 years. I won’t stop optimizing my finances until all the mortgages disappear, and especially when a real life kid comes into the picture.
5) Total income can handle the load. Everything is rational when it comes to finance. When someone proclaims they got into $70,000 of credit card debt and then paid it off in one year, it’s simply because they had a high enough income for credit card companies to grant so much debt and a high enough income to press a button to pay it off quickly.
No bank would have lent me so much money if I didn’t have a high enough income for a long enough period of time. Yes, from 2012-2013, I was vulnerable given I had just retired from Corporate America with a ~70% decline in income. But I still had assets I could get rid of to pay off all debt if worst came to worst. I used my debt as motivation to get back to where I was and beyond.
No More Debt For Me
Despite my reasons for embracing debt, I’m no longer planning on getting into more debt. I’m basically borrowing 10X my passive income, which is way out of line based on a recommended 3X income debt maximum. Yes, I’ve got a healthy online income stream from Financial Samurai due to the 1M+ organic pageviews a month, but such income, like Social Security, cannot be 100% counted upon for the long term.
Nowadays it makes more sense for me to invest in cheaper real estate projects around the country, pay down existing mortgage debt, and try to hoard as much cash as possible. I need to be prepared to survive through the down cycle given my debt level.
I’m mentally preparing for a 20% correction in coastal city home prices, similar to the last downturn. In other words, I expect my property value to decline to $4.8M from $6M, leaving me with a LTV of 41.6% from 34.8%. I also expect to see rental income decline by a similar magnitude to $88,000 from $110,000.
Given my expectations, I’m hustling now to create $1.2M in value and $22,000 in extra passive income before the pain occurs. The main way I plan to make up for such potential loss is by building my online business and generating extra passive income through real estate crowdfunding. With an 8% return, all I need is $275,000 in real estate crowdfunding to earn $22,000. I’ve currently got $260,000 invested so far.
Prices are finally slowing in SF as the market waits for job and income growth to now catch up
Total Debt Framework For Financial Freedom
We know that debt can help us get what our greedy hearts desire. But too much debt can also ruin our lives. Therefore, my Debt Optimization Framework takes into consideration age, income, asset value, and ability to recover from financial calamity. I’ll be using two ratios: Debt / Income and Debt / Asset Value to provide a guideline by age for an Aggressive, Moderate, or Conservative individual.
The chart is built on the following assumptions:
* Each percentage assumption is the maximum recommendation.
* Interest rates remain relatively low e.g. 2% – 4% on the 10-year bond yield for the next decade.
* Student loan debt does not exceed 100% of annual gross income.
* Debt / Income can’t exceed 500% largely because institutions won’t allow it.
* There should be very little to no automobile or credit card debt after age 30.
* Everyone buys a home between ages 25 – 35 to at least get neutral inflation.
* Nobody has any debt left by age 60.
The more I study the chart, the more I like the idea of being completely debt free by age 45 (Conservative). But that’s because I was so aggressive in taking on debt in my 20s and 30s. Only folks with highly defensible and high growth salaries should consider going the Aggressive route. Otherwise, you may end up bankrupt and alone. If you are unsure, follow the Moderate route.
The ideal scenario is to aggressively take advantage of other people’s money while young, get rich, and then pay back all debt ASAP. If you do this, everyday will feel like you’re living off the house’s money, literally and figuratively. After the age of 40, your appetite for risk will wane, especially if you have dependents. Therefore, take more risks while you’re younger so you have more time to recover if things go wrong.
Used wisely, debt is a great tool to help accelerate financial independence. Once you control a relatively large financial nut for a low price, you can build a small fortune. For example, my $6M property portfolio that costs $53,000 a year in deductible interest to control, will grow to $10M in 20 years if the portfolio grows by just 2.59% a year. Further, all the debt will be paid off by then. That sounds pretty darn good to me as I work on building other parts of my net worth in the meantime.
Note: There is a poll embedded within this post, please visit the site to participate in this post's poll. Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.
Related:
Pay Off Debt Or Invest? Implement FS-DAIR
Housing Expense Guideline For Financial Freedom
Readers, what is your current Debt / Income, Debt / Asset Value, and age? See any issues with my Debt Guide? I’m happy to make adjustments. And yes, I could just sell property to reduce debt, but I’m on a sellers strike until selling commissions drop by at least 50%.
from http://www.financialsamurai.com/debt-optimization-framework-for-financial-independence/
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A small thought on economics
The other day I happened upon a microenomics textbook at a library sale for $0.25. (The macroenomics was there too so I bargained for $0.40 for the pair) I took macronomics in college and had to self teach microenomic idealogy to pass so I thought it would be interesting to actually learn about.
Im reading the ‘understanding economics and why we learn about it’ part that’s mostly irrelevant to anything other than to convince the authors that they didnt waste their tine writing this book. I found the most interesting thing though. They dabble a bit into economic philosophers and how they shaped the way our government runs now. Names such as John Maynard Keynes, John Stuart Mill and more are dropped. It’s all very boring non sense from my highschool social textbooks when it begins talking about economics for citizenship. They go on about the importance of learning about economics on a basic level to better understand how our government is using our taxes. Things we need to pay attention to. The questions economists, and we, should be/are asking ourselves. Things like, and I quote, “Is the government right in seeking free ® trade with the United States?” and “Should we continue to subsidize farmers and set up more farm-products marketing boards?” and “What can be done to reduce unemployment?” (-Microeconomics Fourth Canadian Edition, Campbell R. McConnell and William Henry Pope)
You know what I realized? These are questions that our government struggles with today. I became curious and checked the front. It was published in 1987. In 30 years our government still couldn’t figure out a decent system even via trial and error? Why is it that the last time anyone had a philosophical break through in economic theory was in the 19th century? Guys, we need a new John Maynard Keynes or whoever. We need someone to think outside the box. Someone to look at the system and say “This makes no fucking sense. Why aren’t we doing this?”
Lets start here, how about this? Instead of looking for a trained workforce abroad why don’t you give tax payers job priority. Or tax them more instead of giving them a free ride. If you bring in a doctor from India and give him a tax free loan to start himself off here so he can practice then why is it that when he makes $150, 000 in a year he doesnt pay more then 15% income tax. But I make $3700 in a year. And entire fucking year. And im getting taxed 30%. Or worse yet, when we do this same practice with UNSKILLED immigrants. I’m a Canadian, but I can’t get any assistance when I got injured and couldn’t work. I’m a Canadian and there aren’t any jobs for me because I can’t legally sign a contract saying I’ll work for less than minimum wage in exchange for room, board and citizenship. Why the fuck is it that we gotta help everyone but the people at home. Lets fuck our dollar so the US won’t throw another whining fit about their economy and how they don’t want to trade with us. I could go on about this bullshit. Point is someone needs to step up. Come up with a good idea, put Trudeau on his knees and get him to suck your cock (put on a strap on if you have to) and fucking fix this mess. And really it starts with people voting Conservative and stopping being fucking morons.
#economics#government#bitching about stuff#y'all are fucking idiots#stop letting the liberals in#canadian politics#canadian economics#insight#i hope your listening trudeau#you're the worst piece of shit out there#fix shit#thoughts
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Meditations on Big Damn Heroes: Teachers
Teaching is my first love, and I plan on educating in some capacity for the rest of my life. There are so many, many things which I could write about teachers and so it took a bit of time to finally boil it down to this humble list of statements, qualities, and musings about the importance of teachers, why they inspire me and why they should inspire you.
1.No one is prepared to do this. In every profession there exists the challenge of learning new things, but in my experience, few compare to teaching. For good and for ill, most of teacher preparation degrees and teacher preparation programs focus heavily on theory and very little on practice. Oh, sure, there are exceptions, but keep in mind that a majority of the time a teacher is walking in on Day 1 not knowing what to expect. It’s really a trial by fire and for those who not only survive but thrive, know that every one of those people have a wellspring of courage, dedication, patience and heart that you may not see on the surface.
2. On Day 1 a teacher will have as much responsibility as they’ll ever have. Again, there are exceptions, but with most other occupations, particularly the of the degreed variety, there’s a bit of a scale up over time. I have a friend who is a banker and he started as a teller. It took him a few years to work through to become a loan officer, an assistant manager and finally a manager. There’s a ton of positives to this idea; you learn the ropes, you learn every position and you respect the people who work those jobs because you’ve been in their shoes.
In teaching, you will have the most responsibility that you’ll ever have on the first day. The responsibility of lesson planning, high-quality instruction and assessment, consistent and accurate grading, stellar classroom management and, when applicable, to get a majority of students from all walks of life to take and pass a standardized test which was basically built to be tricky. Very few people who I know walked into all of the trust and responsibility that they now hold when they were 22 and yet, that’s a majority of teachers. To put it in a slightly more business-savvy perspective, each teacher becomes the Success Manager and Coach for 150-250 unpaid interns, each having a vast disparity of preparation from excellent to adequate to virtually none for this internship. During the course of their internship, every action which they take will be available for public review and, at the end of the year, if the intern is not successful on an exam which is not created by the company and changes frequently, the Success Manager is held almost completely responsible. Yup.
3. This is not about money, but living is.
This imbalance is less obvious depending on where you teach, but statistically teaching salaries are among the lowest for any profession requiring a college degree and a license. Another would be Social Workers, who work out of schools as well, so we all commiserate together. On average a teacher’s starting salary is somewhere around 38-40 thousand per year. While that’s not minimum wage, consider that most teachers that I know, myself included, drop a few hundred on supplies every year. Many of us, again myself included, have other jobs to compensate. We don’t do this for money, but until we live in the utopia of Star Trek where everyone can fulfill their first, best destiny in a society free of resource wants, we’re stuck on the lower end of the spectrum. Other professions are like this as well, but most of them don’t stand a better-than-average chance of being taken to court over a “C”.
4. We’re pretty sure that you don’t realize that you’re asking us to not educate your children in the way in which they learn, but you demand that we do anyways.
Accountability is not a bad thing. Hell, 2009 exposed many of us to sectors that (still) should be far more regulated, or at least more closely watched. Education does not suffer from that lack of attention. We’re pretty damn regulated up around here. Federal, State, County, District, you name it and there’s a committee for it when it comes to education. Here’s the thing though���I’m thinking, and it’s just a theory here, but all of that attention comes at a price. That price? A higher quality and more diversified learning environment.
It’s difficult to measure a moving target and schools produce only one thing: Student success. That’s the ultimate moving target because even if we assume that success is a measurable goal (I have my doubts) then we won’t know whether or not it was hit until a student is well away from us and onto bigger things. That’s not a great answer for several billion taxpayer dollars per annum, I do understand that.
So, in an effort to create some manner of measurement which you reasonably asked for, we created standards. Those standards, even the Common Core, skew pretty wildly towards one particular pathway in life and away from all the others. On top of that, the net effect has been to standardize the hell outta everything. The pro of this is that there’s a relatively simplistic way to measure a public school education. The con is that we’re pretty sure that it’s not the right type of measurement and not the right set of things to measure and probably not at the right time to measure them. Additionally, if we are to assume that we’re supposed to get people ready for college (something a majority of people seem to think is a good idea) then the 4-year graduation rates from public colleges and universities would tend to bear out my previous supposition regarding the wrong measurement. (I’ll give you a hint; they’re pretty low ) We don’t fault you for wanting to know, but give us a little credit and maybe, just maybe we can work out a more equitable way to measure your student’s success which doesn’t come at the price of possibly collapsing the public education system.
5. We like what we do and we’d love to tell you about it.
We get into this gig because we believe in the future, specifically your kid’s. We’d love to partner with you as you navigate this treacherous set of shoals known as “preparing your offspring for the future.” Come talk to us, ask us about what we do, why we do it and what we would change if we could. I know that I’m supposed to talk about others as a part of this thing I’ve dedicated myself to, but I’m proud to be a member of the profession, in whatever function for whatever length of time, and I think that it’s one of the qualities about myself and all those in education which make us heroic. No matter what roadblocks pop up or how misunderstood we can be at times, we desire to educate the next generation, no matter the cost. We want a Star Trek world one of these days and your kid may be the one to do it. Help us figure out how to reach them, partner with us on their learning and maybe take a moment to learn something about what it is we do so that you can be another educated and critical eye in the public to help all of us on the mission to prepare the future. That’s downright inspiring right there.
For all of the reasons above and so many, many others, Teachers are my Big Damn Heroes today.
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Kamay Texas Cheap car insurance quotes zip 76369
"Kamay Texas Cheap car insurance quotes zip 76369
Kamay Texas Cheap car insurance quotes zip 76369
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr
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Kamay Texas Cheap car insurance quotes zip 76369
Kamay Texas Cheap car insurance quotes zip 76369
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I just got a ticket for driving my car without having my drivers license with me. Altough it's better than 128$ and 2 points, its still 52$. The thing im wondering though is will my insurance company charge me more because of that even if I didnt lose points on my drivers license ? Thanks""
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Kamay Texas Cheap car insurance quotes zip 76369
Kamay Texas Cheap car insurance quotes zip 76369
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I am shopping for life insurance. Where can I check out an insurance companies ratings and credit ratings? I am thinking about the following companies: Northwestern Mutual State Farm Stifel Nicolaus ING New York Life TIA
Do you have to get insurance as soon as you get your license?
I plan on going to get my drivers license in a few weeks (hopefully I pass!) and I've been told you have to have insurance right away. I'm currently on my parents plan with my permit but it's not costing them anything. Their agent said to immediately notify her once I get my license. Could she have said this just because she thought I would be getting a car? I don't plan on getting a car anytime soon but drive my parents cars occasionally. So will the insurance go up any if I don't have my own car that needs to be insured? If so will it be a lot? All answers will be greatly appreciated, because my parents are trying to make me put off getting my license because their car insurance is sky high already because of all the tickets & wrecks my brother has gotten in & I really want my license! Thanks in advance!""
""Where can I find the absolute cheapest auto insurance in Kennwick, WA?""
I need cheap basic liability auto insurance for my car, who can help?""
Can I get arested 4 driving my car w/my name on the insurance if my dad calls the car(undr his nam) in stolen?
The car is under his name my name is on the insurance can I be arrested if my name is on the insurance and he calls it in stolen because he is mad that I left the state with it?
Car insurance for a 21 yr old?
I am a 21 year old male and I plan on buying a brand new car at the end of the year. does anyone know of a car insurance with full coverage that will charge me just a leg instead of ...show more
Can someone give me a rough estimate?
I'd like to get a vr6 Vw gti as a first car. How much would insurance be ( roughly ) for a 16 yr old male? NO LINKS TO INSURANCE QUOTES!!!
How much will it cost to replace my alloy wheels wih normal wheels/tyres?
My fiat punto has non-standard alloy wheels and they're making my car insurance too high. How much will it cost to replace them with normal wheels/tyres?
LoJack on a motorcycle or comprehensive insurance?
I just bought a brand new bike and I live in Florida where bike theft is very big. I want to get some protection as soon as possible. Comprehensive insurance which would cover theft will run me about 730 per year with a 500 dollar deductible. The Lo Jack unit will cost me about 800 installed and it is a one time fee, no monthly payments and it lasts forever. The recovery rates on a bike with lojack are very good from what I've read, I just want to see what everyone thinks. These are the two options and please only answer if you have good knowledge of lojack and how well it works. The only problem is that it doesnt cover things such as damage during theft, storm damage, and things that the insurance would (Then again it still has that 500 or 1000 dollar deductible). An alarm would possibly be an option but I'm leaning towards the two I discussed above. Just let me know what you think because I dont want this bike leaving without me on it.""
Which insurance company is the cheapest for a young female?
This is for a car, and i was thinking about sharing with my mum on her vehicle ( a rav 4, 1400cc, 4x4 ) Don't know if that will help/make a difference, but any help from you would be greatly appreciated, Thanks [=""
Is there a cheap car insurance place in New Jersey for a 17 year old girl to get insurance?
Im 17 and I turn 18 in July and I bought my own car, its a 1992 toyota and I want my own insurance, I know it's going to be pricey a lot but I don't want to be under my parents insurance. I don't mind only getting liability but I need some help finding a cheaper insurance place in New Jersey on the upper east coast. Thanks!!""
Can I add a non-family member to my auto-insurance plan?
I use USAA. I was wondering if I could add my boyfriend as part of my insurance plan, and he would just pay me when the bill comes. We do not live together yet, so I'm wondering if this is possible. He'd be driving his own car. The reason I'm asking is because USAA has good rates and I was wondering if I could share it with him.""
Looking for an insurance plan to switch to with good maternity?
I'm getting married in less than a month & will no longer be on my insurance, my husband to be can stay on his till he's 26 however my current job doesn't offer me ...show more""
Can anyone tell me about selling insurance as a career?
A friend of the family sales insurance through State Farm. He has offered to mentor me and show me the ropes in the insurance business. I know absalutly nothing about insuarance. Is ita good career? Is it difficult to do? How much money do you make? Im in California. thanks
Whats a good health insurance that covers everything that a dermatologist does? but that isn't very expensive?
something that can cover everything in a dermatologist like accutane and blood work . i dont make a lot of money so i need one that is afordable but is good and can cover everything
Cheap auto insurance for 18 year old?
Cheap auto insurance for 18 year old?
Bankers home insurance in Florida dog question?
I currently have bankers home insurance for home insurance and wondered if there are any dogs that are not allowed or would cause my insurance bill to go up?
Kamay Texas Cheap car insurance quotes zip 76369
Kamay Texas Cheap car insurance quotes zip 76369
How much would my insurance go up if i add a K N filter on to my car? if its 800 Now?
i drive a 09 reg Vauxhall Corsa SXi?
Would you get heath insurance and if so who through?
Me and my husband married young, when we married I had insurance through my job which was great but now, since I went back to school we are without insurance. I am in school ft and he also works but is two hours under what he has to be working to get insurance a week. We are 21 now and are wondering if you view health insurance as something someone our age needs and if so how to shop for it, what type to get and where to get a quote. We are both EMTS and have ran rescue before and we have seen lots of people without insurance but we want to make a well informed decision regarding this health insurance. Might I add that we are generally healthy, have a general practitioner at the moment that we rarely use, and during our marriage of two years have never been to an ER for any reason... Any insite that you have into this situation would be great! Thanks and God Bless""
If someone hits my car does my insurance go up?
So basically I was stopped at a stop sign and someone came from behind my car and hit me. afterwards I looked at my rear bumper where I was hit and there was no major damage that I can see. Just paint from her car and a some scratches but no dents. Do I even report something like this? if I do does my insurance go up, because it seems like it is 100% their fault since I was going 0 mph at a stop sign.""
Cheap truck insurance in ontario?
Cheap truck insurance in ontario?
Where to find good car insurance for 17 year old boy and a decent car to go with it?
hi im 17 year old boy, just passed my theory test, i have around 1500 for a car, but the insurance is so high, best quotes ive been getting are around 4000 on corsa's and clio's , do u know where i could get cheaper insurance, or an alternative car that will have cheaper insurace, i dont like KA's or micras or cars like that, HELP PLEASE""
Who generally has the cheapest motorcycle insurance?
I need a place I can trust. My state farm insurance guy who does my car put an offer on the tabel that was huge. I'm 23 years old, male, great driving record. I feel like he is trying to take advantage of me with the price. it was going to be $800 a year. Also, what is the bare minimum you need to ride a bike? Medical, liability? Any tips are greatly appreciated. Thanks. -Mike""
Why is it important to carry car insurance if the odds of a major accident are quite low?
Its a stats question
How much does scooter insurance cost in Ontario Canada? for a 49cc?
How much does scooter insurance cost in Ontario Canada? for a 49cc?
Car insurance for LHD car ?
Hi there, I want to buy 2001-2004 year freelander (left hand drive), then drive to my country and insure it. I need insurance what would cover for two months on UK roads. Do you know any insurance company what would offer as cheap as possible and the possibility to cancel my insurance after 2 months ? Regards, Ed""
Which is the cheapest car insurance in Louisiana?
Which is the cheapest car insurance in Louisiana?
Do you usually get better quotes on car insurance if you call a local office?
Like as opposed to doing a quote online?
Can I have Medicaid Share of Cost and private health insurance?
I was approved for Medicaid in FL with a Share of Cost of $425. Can I also buy private health insurance with medicaid?
What is an average rate of insurance for a 2004 Saab 9-3 Arc convertible?
I heard that insurance is expensive for a convertible. I was just wondering if someone could tell me an average price to insure this car?!?!?!
What the youngest age someone can get auto insurance?
What the youngest age someone can get auto insurance?
How much will Insurance cost me?
I'm 16, and I want to buy the 2012 Ford Mustang GT. I live in a nice area where the auto theft is low. I live in nothern Ohio if that makes a difference. And my parents are not paying for my insurance. Can any 1 give be a ball park estimate on a 16 year old with a sports car?""
Insurance companies?
Which company is better out of Elephant and Admiral for car insurance. They have both given the same quote but I don't know anything about the customer services or anything
Need auto insurance info on transferring to another state?
My son just moved to IA from NY. He is using one of my cars, registered in MY name. I tried to transfer the insurance to HIS name, at his address in IA, but was told that its illegal to do so. I don't understand why I cant be the owner of a car in one state and have it insured in someone else name in another state. Is this true?""
Which insurance companies are cover homes in High Brushes Areas in California?
which insurance companies are cover homes in High Brushes Areas in California beside Farmers and State Farm?
Trying to find cheap car insurance for myself and daughter (she has a provisional licence) any recommendation?
small Matiz. 7years Ncd
Car insurance for new license holder?
what will be the prize of normal car insurance??? (i meant % of car prize) If the license is new what will the prize?? Im from dubai.. so i want to according to dubai market rate..
""How much is liability insurance for a Home Health Aide Agency located in Miami, Fl?""
I am looking to open a home health care agency in Miami, Fl and I am trying to figure out how much money I'll need to start. I heard the most expensive cost for starting will be insurance. About how much will that be?""
What are different basic insurance certification programs?
Am looking for an insurance career. Am a mom thinking of starting my career after a 6 yrs break. I want to know the basic insurance courses available. are thereany govt recognized exams and certifications available am totally new to this am newto USA so dont know much abt the programs. pls help with some info.
Car Accident - Auto insurance Question?
Today I was involved in a horrible collision. Car made a complete stop put hazard lights on, I made a complete stop at a reasonable distance however 15 seconds after I stopped I look at the mirror and a taxi van cab slams right into me my car goes flying forward hits the truck infront of me and bounces back, air bag goes off . Long story short I'm in horrible pain and have evident bruises . Police arrived filled out reports. The man that hit me was found at fault for both collisions. So my major concern is : I called my insurance company , made the claim they took down all the info but at the end of the conversation she told me that if I don't have full coverage I'm out of luck then she asked me if I do which I don't remember . So I'm taking a look at my policy contract and I don't see anywhere where it says full coverage ... I think it is full coverage since my car was being financed. All it basically says on the contract is liability limit $ 1 000, 000 So if they write off my car what happens next?""
How much is a 16 year old guys car insurance for every month ?
How much is a 16 year old guys car insurance for every month ?
Where can I find non-owners insurance?
I need what is known as an SR22 which is also non-owners insurance. I have looked everywhere and it seems like nobody has a policy for it. If anyone knows anything about it. Please let me know.
Kamay Texas Cheap car insurance quotes zip 76369
Kamay Texas Cheap car insurance quotes zip 76369
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