#I only have 3.25 dollars so its hard

[cantbeonlyonethinkingit]

If I had a dollar for every time an original cast main character of IT went one to do another movie that's setting was also in Maine, I'd have two dollars. Which isn't much, but it's weird that it has happened twice.

[anapedias]

How Much Does It Cost To Restring A Guitar 42

The cost to set up and restring a guitar. If you hire a professional to do the work on your behalf, you could pay up to $100.

How Much Does It Cost To Restring A Guitar (2021 Guide)

The price of a restring with a set up may vary depending on the music store and other factors.

How much does it cost to restring a guitar. This is essential to keep it working for long and prevent any other issue later on. This depends on if your restringing yourself or getting someone to do it for you. This can be as low as $5.

Can you restring your guitar without tools? How much is it to clean and restring a guitar? If you’ve never restrung a guitar here’s.

Having a professional restring your guitar can range massively in terms of price. The strings i use are good quality and only cost £3.25 for all 6 strings. The actual strings don't cost too much.

In case your guitar needs little maintenance, then the price may lower down a bit. If you are a beginner you may prefer to have someone at your local music store restring the guitar. If you don't know your stuff its however much they charge you.

You may use your guitar for an extended time. Andrew bell 5 min read. You should expect a restringing service to cost you anywhere between $20 and.

Will cost anywhere from $10 to $40 dollars. How much to restring a guitar if you have been playing for a while. In individual packs, the same strings could cost about $13.

Restring your own guitar costs between $5 and $30; A rough idea of the cost to replace tuning machines is as follows: If u want good pickups, whole cost would be around, but under $200, especially if u go used on the pups, and u.

Guitar stringing is a straightforward course of, so it’s price trying your self. Restringing the guitar should cost you about $20 at the guitar center, which is where you should find the restringing process. Although tools help make the process a lot faster and efficient, restringing the guitar is possible without them.

But all it really costs to restring your guitar is as much at the strings cost because stringing your guitar is a. A full set of strings costs around $120. Replacing the strings yourself is usually the cheapest option, as most string sets are priced between $5 to $15.

Cost to restring a piano. How much does it cost to restring a guitar? Guitar centers typically charge about $20 in labor to restringing your guitar as well as the cost of strings, depending on the ones you get.

Guitar stringing is an easy process, so you might want to try it. The cost of having a professional restring your guitar ranges from $25 to $50, or the cost of the guitar strings plus $20 or more in additional service and materials. The strings are included in this price.

If they are less renowned, then it will cost slightly less. An average labor price to replace a basic synthetic guitar is around $25. Restringing a guitar isn't hard and there are lots of tutorials online.

Guitar heart is a retailer that exists in lots of american cities, so it could be your native music store on your restringing wants. Most guitar stores will restring any guitar. If only certain sections of strings are damaged, then you might not need to restring the whole piano.

Guitar stringing is a simple operation, and it’s worth your time to learn how to do it. Click to copy post link. Being a regular player means you will end up breaking strings regularly, or the strings will eventually get old.

Then, you need to consider a setup. How much does it cost to have someone restring your guitar? Does guitar center change strings for free?

Restring your guitar is usually between $25 and $50, or $20 to $30 for the guitar strings plus $20 or more for service. How a lot does it value to restring a guitar at guitar heart? But overall, the cost is usually between $100 and $200.

You can restring the guitar without any tool. Our minimum cost for nut repair is $20. To restring an entire piano it will cost $1,000 to $10,000 + dollars.

How much will it set you back? The cost of paying a professional to restring your guitar is between $25 and $50, including the price of the strings. If you have been playing guitar for any period of time, there really is no excuse not to know how to restring your guitar yourself.

You are going to break strings, or your strings are going to get old. Restringing a guitar is something that every guitarist regularly deals with. Therefore, it may affect its intonation, playability, and tone.

Guitar heart fees round $20 for the labor of restringing a guitar. Nut work prices vary depending on the amount of work required for nut slot cleaning, width adjustment, reattaching a loose nut, and similar tasks. If you hire a professional to restring your guitar for you, it shouldn’t cost more than $25 to $50.

Once you have all these tools, restringing your guitar becomes as cheap as the cost of the new set of strings. I recommend always trying out a new type of strings at least every third or fourth string change. Well, guitar center will charge you around $20 to restring a guitar, and you will also need to purchase strings, which will cost between $5 and $30

Playing guitar for a while means you should have taken the time to learn guitar restringing on your own. How much does it cost to repair a guitar string. In addition, you should consider the cost of your new strings when purchasing them.

Guitar stringing is an easy process, so it’s worth attempting yourself. Restringing guitar faqs how a lot does it price to restring a guitar at guitar heart? However, stringing a guitar is a relatively easy process, so it’s well worth doing it yourself.

Keep in mind, though, some guitar techs have an hourly rate that exceeds this amount, and in some cases, may charge the higher amount. It’s usually around 20 bucks plus cost of strings. How much does it cost to fix the nut on a guitar?

The cost for a new set of strings. In this case the costs can be anywhere from between $20 and $40 dollars. Many guitar shops will sell bundles for a lower cost per unit.

If the person doing the job is more renowned, you can expect to pay slightly more, as you will be paying for a premium service. Most guitars can get restrung for $60 or less.

[hamelott]

Title: “Bad Coffee, Better Company”

Fandom: The Librarians (TNT series)

Notes: Okay, I know what you’re thinking, “Really Hannah, you’re stooping so low as a coffee shop au.” Now, just hear me out. These two were made for cute, stupid coffee shop au’s, and I will forever stand by this decision. 

Ezekiel Jones hated his job. It was dull and boring and hardly anything ever happened. Of course, as a poor, college dropout that was just trying to make life work, quitting wasn’t an option. Quitting wasn’t even something he could consider in a dreamland.

And it wasn’t that working at the Annex was miserable. He was just miserable. Plus, he hadn’t even wanted to apply for the job nonetheless get it. No, that had been the direct result of Jacob Stone (roommate and reluctant childhood friend who had a list of issues almost as long as Ezekiel’s) who had been unwilling to go to his interview alone. Ezekiel had been roped into it as well and, consequently, received a job he hadn’t even been looking for.

But the pay was pretty decent. And at least he didn’t work at Starbucks with their bullshit ‘secret menus’ and Unicorn Vomit drinks. That was always Jake’s argument anyways.

The worst part about it though was that the only people who came were the same damn people every single day. They were nice and all, but Ezekiel had been hoping to branch out, maybe make some connections in New York; currently, it wasn’t working. The only people he’d made ‘connections’ with were Mr. Carsen, a professor at the nearby college and probably smarter than was really necessary to teach a bunch of bored twenty-year-olds; Ms. Cillian, a doctor that worked at a nearby hospital and relied on the coffee as a lifeline; and Eve Baird, who Ezekiel was pretty sure was a navy seal or something but had yet to convince her to reveal all her secrets.

Which, of course, was why Ezekiel was slumped against the counter now, building a stick figure out of stirring straws and tape. Jake, leant against the wall next to the coffee machines, was eyeing him disdainfully, a reprimand probably on the tip of his tongue. Ezekiel really didn’t care though; again, it wasn’t like anybody special was about to walk through the door anyway.

Which, of course, was when the gods decided to play mind games with him and sent a girl stumbling through the door. She was slightly shivering with raindrops smudging her wide-framed glasses and dripping from her hair. She had a small smile on her face that only grew when she noticed the two standing at the counter.

“Hi, hello,” she said, walking up to where Ezekiel had positioned himself next to the register. Her eyes flicked up and then traveled side-to-side quickly, reading the expansive menu that was written in colorful chalk above them.

“Uh, morning,” Ezekiel said, trying to sound smooth. Instead he was pretty sure he sounded like an idiot. Who was this girl and why was she making him so flustered so quick? He tried to smother it down because if he didn’t, Jake would have a field day teasing the crap out of him.

The girl glanced at him and grinned again before looking back up at the menu. She was chewing at her bottom lip in contemplation and only let it go to say, “Can I have a tall vanilla latte, please?”

Ezekiel glanced over his shoulder to Jake and gave him a curt nod. Jake rolled his eyes but sat up to start making the drink anyway. Ezekiel, with a winning smile, turned back to the girl and said, “That’ll be $3.25. And can I get a name for that?”

She glanced around at the empty coffee shop and frowned at him, an eyebrow raising just a little bit. “Seriously?”

Ezekiel shrugged. “It’s protocol.”

“Uh, right,” the girl said, smile quickly returning. As she fished in her little, sunflower-yellow handbag, she told him, “Cindy.”

Ezekiel nodded and grabbed a nearby sharpie marker, waiting for Jake to finish the drink. When he was done, he passed it to Ezekiel with a huff of annoyance before walking back to his spot on the wall to lean back against it again. Ezekiel quickly scribbled out Cindy’s name on the cup and handed it to her as she handed him a five-dollar bill.

“Please, keep the change,” Cindy said quickly as she grabbed the drink. She glanced down, glanced up, frowned, and glanced down again. She quickly stifled a little laugh as she stared at the cup.

“Oh no,” Ezekiel grumbled. “Did I spell your name wrong?”

“Oh, no, I mean, it’s no big deal!” Cindy said quickly. She was still grinning though and staring at the cup in wonderment. “It’s just…I’ve never seen my name spelled like that.”

Ezekiel leant over the counter to inspect just how he had spelled her name. ‘Cyndi.’ That wasn’t that weird…was it?

“Really?” Ezekiel asked, falling back on his heels. “Never?”

Cindy was laughing quietly now, shaking her head. “Nope, never.”

Ezekiel raked his hand through his hair. “Oh, uh, well…sorry?”

Cindy quickly shook her head. “Oh, it’s no problem. It’s cute.” She suddenly flushed, obviously realizing what she’d just said, and ducked her head. “Um, thank you. For the coffee! Have a nice day.”

Ezekiel watched as she quickly turned on her heel and all but fled from the coffee shop. He had a small, crooked smirk on his face and a bemused look in his eyes.

Jake snorted. “Oh, you’re gonna have it so bad, buddy.”

Ezekiel scowled and glanced over his shoulder. “Shut up, Stone. There’s no guarantee I’ll ever see her again anyways.”

~~~

Except, Ezekiel did see her again. Cindy came back the next day and the next and even the one after that. She kept coming so often that soon enough she was just as constant of a presence as Flynn the eccentric professor, Cassandra the doctor who couldn’t handle caffeine, and Eve the super-secret super-spy.

Ezekiel found himself enjoying her presence if not for the fact that she now spelled her name out loud each time she ordered her coffee, a little teasing grin always on her lips. She was cool and outgoing if a little bit awkward and weird. She snorted if you got her laughing too hard, and she’d blush at anything that sounded like an innuendo. She was a struggling botanist student, and, honestly, loved flowers more than anybody Ezekiel had ever met.

After about three weeks straight of Cindy walking into the coffee shop at precisely eight am, she was late. It was eight-thirty now, and, really, Ezekiel shouldn’t be as worried as he was. Cindy was a grown person; she could take care of herself. He was worrying for nothing; he barely knew her anyways. Maybe she’d finally found a better coffee shop than this dump; good for her!

“She’ll be here,” Jake said knowingly behind him. Ezekiel glanced at him, but it was like Jake hadn’t even spoken. He had his nose in a book that Flynn had given him on ancient Greek art; Ezekiel was pretty sure Jake had a nauseating boy-crush on Flynn and the gifts only made it ten times worse. He resolutely ignored Ezekiel, refusing to acknowledge that he’d spoken at all.

Ezekiel rolled his eyes. “I’m not worried.”

Jake snorted but was kind enough (or uninterested enough) not to say anything else.

And Ezekiel wasn’t worried. Cindy was fine. He’d barely known her. It wasn’t a big deal.

All of this was, of course, forgotten when Cindy practically raced into the coffee shop. She was panting heavily and cried, “I’m sorry! I was late! I’m sorry, I’m sorry, I’m sorry.”

Jake, nonplussed, began making the only drink she’d ever actually ordered as Cindy walked up to the counter, still exclaiming, “Sorry, sorry, sorry. I slept in and then I nearly broke my ankle in the shower, but I’m here!”

Ezekiel couldn’t help the wide grin on his face. “No worries. I’m glad you’re here.”

“Yeah,” Cindy said, nodding and grinning too. “Me too.”

They waited patiently as Jake made the drink. When he was done, he passed to drink directly to Cindy, gruffly stated “Glad you’re not dead” and went back to his book.

When Cindy went to rummage through her handbag for the money, Ezekiel quickly said, “Hey, it’s on the house.”

She glanced up at him, confused frown on her face, and asked, “What do you mean?”

“I mean, it’s free,” Ezekiel said, shrugging. “Take it as a gift for not breaking your ankle, yeah?”

Cindy grinned. “Yeah, oaky…okay, cool. Thanks, Ezekiel.”

She was about to turn away, and Ezekiel quickly blurted, “And maybe as, like, a gift for making it here before you have to go to class, I can…take you on a date? After my shift and after your class, of course. We could go see a movie?”

Cindy glanced back at him, and her smile was so bright that Ezekiel could’ve sworn he was staring directly into the sun. “I would love to!” Her smile suddenly dimmed, and she quickly whispered, “I have a secret to confess though…”

Ezekiel raised an eyebrow. “Uh, yeah?”

She bit her lip worriedly and murmured, “Your guys’ coffee is really, really bad.”

Ezekiel barked out a laugh. “Uh, Cindy, that’s not a secret.”

She flushed and nodded. “Okay, great. Well, I’ll swing by here after class?”

Ezekiel nodded jerkily. “Yeah, yeah, great.”

And, suddenly, she leant across the counter and pressed a light kiss to his cheek. She pulled away, face red, and stammered a quick goodbye before fleeing from the coffee shop at a fast pace. Ezekiel ignored the way his own face felt like it was on fire.

“You realize that means the only reason she kept coming back here was to see you, right?” Jake said from behind him; his tone was smug.

Ezekiel ignored him, but he couldn’t help flushing deeper and the pleased little smile that wormed its way onto his face.

[joshuajacksonlyblog]

Borderless & Neutral Bitcoin Attractive in Global Trade War

The trade war continues to escalate, already inflicting pain and creating uncertainty. However, this crisis brings out Bitcoin’s various virtues —such as being inflation-resistant and its formidability as a hedge currency. 

Brace for a ‘Full-bore Trade War’

The trade war initiated by President Donald Trump against China, Europe, and other countries now seems unstoppable, and it is only gaining momentum. In effect, China alleges that the U.S. has triggered “the largest trade war in economic history.” As a result, The Wall Street Journal reports:

President Xi Jinping has instructed various levels of government to get ready for a full-bore trade war.

According to David Dollar, a Brookings Institution China scholar, “… a strong economy will make it less likely that the U.S. will feel any immediate economic pressure from the trade fight.” However, some collateral effects of the trade war are starting to be felt while creating uncertainty.

As a result, Apple’s chief executive officer Timothy D. Cook, alarmed by the risks the war exposes his company to, has been frantically meeting leaders from both China and the U.S. calling for “calmer heads.” The New York Times writes:

With 41 stores and hundreds of millions of iPhones sold in the country, there is arguably no American company in China as successful, as high-profile and with as big a target on its back.

In parallel, U.S. farmers are also now realizing the extent to which the imposition of tariffs can hurt them. In this regard, John Heisdorffer, president of the American Soybean Association (ASA), said in a statement:

The math is simple. You tax soybean exports at 25 percent, and you have serious damage to U.S. farmers.

On the other hand, since the U.S. imposed tariffs on steel and aluminum, the European Union has retaliated with import taxes on $3.25 billion of U.S. goods. In fact, uncertainty abounds in Europe since President Trump threatened to issue the tariffs — to the extent that, in Germany, business confidence has been dropping for six of the last seven months.

Deflationary Assets Like Bitcoin Provide Protection against Trade Wars

History shows that investors shift to safe-haven currencies to minimize the risk of losing wealth through economic uncertainty and the eroding effects of inflation.

CPI inflation data, to be released on July 12, might show that inflation could reach close to 3 percent — even “hitting the highest level in almost a decade,” according to Nevil Gibson of the National Business Review.

Hedge fund manager Brian Kelly asserts that during trade wars the value of currencies decreases while prices rise. So, Kelly advises, you should hold hard assets. Indeed, “under this environment,” Kelly said to CNBC:

I want to own those things that are deflationary and fixed supply in an inflationary environment. And look at what bitcoin has done the last couple of days.

  Consequently, investors who are spooked by inflation will most likely turn to hard assets, such as Bitcoin, mainly because they are inflation resistant. In fact, Bitcoin is inherently inflation-resistant — as only 21 billion coins will ever be created. The last bitcoin will be produced by the year 2040.

Thus, Bitcoin could soon start showing its colors as a hedge against the harmful effects of a trade war.

How do you think trade wars will impact Bitcoin’s value? Let us know in the comments below. 

Image courtesy of Shutterstock, Pixabay.

The post Borderless & Neutral Bitcoin Attractive in Global Trade War appeared first on Bitcoinist.com.

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[shootingforthosestars]

First 2 photos: “Thousands converge in Tyre as del Lago Resort & Casino opens for business” Photographer Josh Durso

Third photo: “Town of Tyre supervisor Ronald F. McGreevy rolls the ceremonial first dice at a craps table on opening day of the del Lago Resort and Casino in the town of Tyre in Seneca County, Feb. 1, 2017.“ Photographer Dennis Nett

Yay the Finger Lakes has another casino…. It’s on Rt 414, north of Seneca Falls, across the Thruway from the Petro Truck Stop and less than 2 miles north of the supermassive Seneca Meadows Landfill.  Here’s some of the opening day ‘excitement’ from Advance Media / Post-Standard (read the comments too), as well as the Democrat & Chronicle / Gannett (*warning autoplay videos*), as well as the Finger Lakes Times of Geneva (with links to previous cheerleading reporting)

So, how many facilities are there between Batavia and Verona?

Batavia Downs Gaming and Racetrack

Finger Lakes Gaming and Racetrack (Farmington)

del Lago Resort and Casino (new)

Yellow Brick Road Casino

Vernon Downs Casino Resort

Turning Stone Resort and Casino

Oh and don’t forget Seneca Niagara Resort and Casino in Niagara Falls, Seneca Allegany Resort & Casino in Salamanca, Akwesasne Mohawk Casino Resort in the Akwesasne Mohawk Nation outside Massena, Monticello Gaming and Raceway, Tioga Downs Casino & Racetrack, and more!

Good solid decision-making!

Yes, the labor market in the Finger Lakes, and everywhere, is very bad.   There are more people than there are jobs.  New job opportunities anywhere in Upstate New York generally would be a very good thing, BUT (1) A casino?!? I thought the job market was bad! So are there enough rich people to go around? and (2) the casino market is over-saturated.  Yet, for the public as well as the elected leaders here, those problems didn’t merit concern.  It’s all about jobs and lower taxes here.  Hop on the bandwagon or shut the hell up!  JOBS!  LOWER TAXES!

Consider this recent write-up from the Finger Lakes Times:

A Casino is a place of hopes and dreams. And as a lineup of dignitaries cut the ribbon officially opening del Lago Resort and Casino Wednesday, those hopes and dreams began to become real for the 1500 employees who work there. 

When del Lago was proposed for Seneca County, the unemployment rate was about 7 percent, well above the state and national average, said Jeff Shipley, executive director of the Seneca County Chamber of Commerce. Many of the local people were struggling to make ends meet, working multiple jobs or commuting long distances to support their families. Now, with a job at the casino, they have hopes and dreams of a better future..

That first sentence is insane… a casino is NOT a place of hopes and dreams. It’s a place where you blow all your money.   However, the 7% statistic is true. The most recent unemployment rate for Seneca County NY is 4.7%, as of Dec 2016, according to NYS.  It was as bad as 9.5% in Jan 2013 and it gradually got down to 3.8% in August 2016, as low as it’s been since 2008.  Though keep in mind the employees for Lago come from all over the area, not just Seneca County.  Also these stats do not take into consideration under-employment.  In 2016 the statewide average percentage of people unemployed combined with people underemployed was calculated to be 9.4% (average statewide unemployment in 2016 was 5.1%).

Also from the write-up:

Hope for time for a better family life is an important side benefit for many del Lago employees, said assistant General Manager Juris Basens. He said 75 percent of the casino’s employees come from a 30-minute radius of the Route 414 complex.

Like Richards, Paul Booth, 53, of Waterloo, is looking forward to a better life with some time to slow down and relax.  “I’ve worked hard all my life. Now it’s time to do something fun and exciting,” he explained. That’s why he jumped at the chance to be come a dealer at the casino. “Most of my jobs were physical. I’m getting older in life and don’t want to do heavy labor any more. And I heard the pay was good, too,” he added.  The pay’s important to Booth. He was between jobs, he said, when he was hired by del Lago. His unemployment had run out and he was living on his 401-K. The future was getting bleak. But now, he has hope. “I plan to work here until I retire,” he said.

Hope and optimism for the future is what attracted Amber Impson of Border City to apply for a job at the casino.  The 27-year-old single mother of two was struggling to provide a good life for her two daughters, age 8 and 2. She’d had dead-end jobs through workforce development programs, been on food stamps and Medicaid. Before being hired as lead of environmental services at the casino, she had a part time job as a housekeeper at a Waterloo hotel.  The casino’s full time hours plus medical and dental insurance means she will be self sufficient for the first time. “I’m looking forward to a better future for my kids – and for me,” she said.

The Lord works in mysterious ways!  Lots of hope and dreams!  Let’s be honest: it’s damn good to see people finding work out there.  I have questions, though. How much money will that guy have to retire with? How good is the ‘good pay’ there?  How much is she being paid? If it’s under $10/hr, with the kids, she will still need SNAP benefits. (Attn: Paul Ryan.) 

More questions: What’s it like working at Lago?  What was it like to apply and land a job there?  How many prospective employees did a New York State Workforce Development Office assist?  How many Lago employees is Lago management receiving tax credits for?  Do people accidentally call Lago ‘Lego’?  Are the employees under NDA’s?  Are the statements in that write-up true, and not a Lago snow job?  That entire write-up seems too good to be true.

Here’s the thing: An oversaturated market means job security will be at risk.  One (or more) of the above casinos is at serious risk of going out of business –should that happen, jobs gained at Lago will be lost elsewhere.   You can’t just say ‘Well we need jobs too! If other people lose their jobs, fuck ‘em. That’s their problem.‘  (And yes, this is what seems, to me, to have been the most common argument for this casino. I’ve heard this first-hand too many times to count.)  Without job security, Lago isn’t something you can bank on being there 5 or 10 years from now. That’s unwarranted risk. You can’t even presume a better future for people if we don’t know what the wage, salary structure and working conditions truly are like at Lago, let alone how the broader market will play out.   Any ‘hopes and dreams for a better future’ will be quickly dashed if Lago can’t compete in a crowded market. (For instance, a BILLION dollar casino is opening in 2018 near Monticello. Next week in Schenectady--ah, Schenectady!–their new casino opens.)   What if del Lago sucks? What if the crowds never materialize? What then, for the workers and the community sold on Hope and Dreams fulfilled?

‘Hopes and dreams’ provided by Lago already comes at the expense risk of other people’s hopes and dreams. At nearby Finger Lakes Gaming and Racetrack, 449 people are employed for the casino and an ambiguous number for the racetrack. The expectation seems to be that FLGR (a Delaware North property) will go out of business.  Not if del Lago sucks, it won’t.

Why bring people’s lives up only to have them be crushed 5 years from now because this gamble (forgive the pun) didn’t pay off?  Upstate New York needs solid, stable jobs.  Casinos ain’t it.

Shit.

Anyway, here’s a colorful, insightful report from the New York Times, from 2014, explaining the Town of Tyre, Seneca County, and some of the supporters & detractors’ positions.

Gannett (d.b.a. Roc Democrat & Chronicle, Ithaca Journal, Bingo Press Bulletin, Elmira Star-Gazelle) reported in Nov 2016 about Lago’s tax deals, a report which seems to be a copy-and-paste job from the Seneca County IDA website and others.

Slot machines will be taxed at … 37 percent at del Lago… Table games will be taxed at 10 percent, according to the state Gaming Commission.  Of the tax revenue, 80 percent will go to the state for education aid. An additional 10 percent will go to each region’s counties, and the other 10 percent is split equally between the host county and the host municipality.  Local officials are eager for the money. They’ve already received some revenue from the license fee each casino had to pay… 

“The focus should not be on the financial assistance for the project, but instead what alternative the county could be faced with and mostly on the tremendous benefit,” the Seneca County IDA said last year about its tax deal with Lago.

Lago will pay $45.3 million over 20 years for its PILOT. The Lago deal, though, is back-loaded, meaning the casino owners will pay nearly $4 million more over the 20 years than they would have without the agreement.  In exchange, Lago will pay less in property taxes up front: less than $1 million in each of the first three years, then growing to $2.8 million in 2036, when the agreement expires, records show.  Del Lago, owned by Rochester-area developer Thomas Wilmot (and partner Peninsula Pacific, and managed by ‘JNB Gaming LLC’ ), also agreed to pay $10.5 million to Tyre over 20 years to pay for additional local services, such as extra firefighters and police.

Don’t think about the handouts, think of the jobs! Yah okay. Some additional background, also from Gannett, here.

Also, per The Citizen (Auburn)…

Seneca County, Tyre and the six counties in the gaming region — Broome, Chemung, Schuyler, Tioga, Tompkins and Wayne — will receive an estimated $13 million in annual revenues from del Lago.  The hosts — Seneca County and the Town of Tyre — will each get a projected $3.25 million a year. The six other municipalities will share roughly $6.5 million annually.

From the Seneca County IDA’s press release in 2015…

Under the agreements, the developers of Lago Resort will pay $45.3 million to Seneca County; the Waterloo Central School District; Route 318 infrastructure improvements; and other payments over 20 years, starting in 2016.  The $45.3 million is $3.83 million more than Lago Resort would pay if the project were fully taxed under the New York State statutory 485-b exemptions.

“This is momentous for our community,” said IDA Chairman Tom Macinski. “By working together, we negotiated a package that provides Lago Resort with the 20-year financial certainty it needs and, at the same time, provides significant economic benefits to our community, including designated payments and robust job creation for years to come.”

Is the $45.3 million PILOT a fair deal?  Who knows!  I don’t.  Not one news organization in New York State has looked into that.  Anyways, note this from the Seneca County IDA’s website:

If approved, the project would create, conservatively, 1,000 operations jobs (full-time equivalent) and 1,200 construction jobs. In addition, the project would create an additional 1,040 indirect jobs, 600 of which would be during construction

See here’s the JOBS thing again. Robust job creation!  The 1,800 jobs promised and breathlessly parroted .. are only part-time or seasonal?!?  You can’t bank your hopes and dreams on P/T money.  Lago claimed last week to have hired 1,400 people so far (but no info as to P/T or F/T, year-round or seasonal).  Note the article with the insane lede, above, claimed 1500 people. WTF.

(Also there’s this from Dec 2015. from the IDA website, cataloguing some of the community opposition.)

Illegal backroom deals to build Lago were suspected.  One avenue involved State Senator Mike Nozzolio (who represented Seneca County and called it quits last year), and another involved the State Gaming Commission’s selection process for casino licenses.  There was a fierce ad campaign last year and prior.  There were lawsuits to stop Lago that weren’t successful.  Also, Lago’s backers began site prep in Feb 2015, well before they were even awarded a license to build and operate a casino in Dec 2015.  Why?  Who knows.

Also, the casino, built precariously near a landfill with odor control problems, was also built around a cemetery (?!?!?)

The Las Vegas style casino built their parking lot around an old family cemetery.  Neighbors said decedent’s didn’t want them disturbed during construction.  "This is a generational cemetery,“ Lynn Barbuto from Tyre said.  In the middle of the parking lot, gravestone’s are peaking through the snow.  "New York State Cemetery Association came in and said that Wilmot Corporation could not dig this up and move it,” Barbuto explained.

At least the ‘Casino Free Tyre’ website is still around. They tried.

So Lago stinks. We have an understaffed and toothless press here. Stories were dropped and weren’t picked back up. Reporting mostly consisted of copy and paste from press releases.  No checking facts. No perspective. No effort.  Many of the elected leaders in Seneca County, the FLX and in Albany (well, undoubtedly everywhere) are shitty people who don’t give a single fuck about the public, so there’s need for a good news outlet: an independent, resourceful, knowledgeable, skeptical press that’s not afraid to call bullshit for bullshit.  All folks around here have now are cheerleaders and ‘content producers’ that give shady deals such as Lago a free pass.  Meanwhile, many people simply cannot find work that provides enough to make ends meet, let alone provide job security and stability.

‘Fuck em, we need jobs too. Their loss.’

[vicostoness]

Make countertop installation easy with material overlays

It seems that major manufacturers and retailers are planning to help you eliminate your existing countertops and replace them with all new counters. There is no denying that using the materials overlay (such as a hard slab of granite, solid surface, or quartz) is a good solution to bring a new look to your kitchen. This method helps you save money and time significantly. What is the materials overlay? It is used to cover your current countertops. In simple terms, the materials overlay is the large, dry, thick, prefabricated sheet. It’s thick enough to where it sits on top of your current countertops. If you want to renovate your kitchen countertops without wasting effort to destroy it, this is a good choice for you. What the materials overlay is available? In fact, the materials overlay is varied. Each type has its own advantages. Depending on your needs and your budget, you can choose a coating material for your kitchen countertops. Engineered stone, quartz, natural granite, and concrete are popular materials overlay and are widely used. Concrete is not a big market for overlays, but there are many suppliers of concrete overlay today. Quartz countertops overlay is used by many people for the benefits that it brings In fact, quartz countertops overlay is used by many people Can you really install on your existing countertop with the materials overlay? You can do it easily and quickly. That is one of the attractive advantages of the materials overlay.  Of course, you can also remove your existing countertops and install a completely new countertop. However, it will take you a lot of time and money to do this.  What sizes do they come in? The fact of the matter is that they come in many sizes to make your choice comfortable. Depending on the size of your countertop, choose the most suitable mini-slab overlays. The use of mini-slab overlays is to completely cover your countertops and minimizing seams. Therefore, a typical overlay slab will measure out at 16" to 18" wide by 26" to 26.5" deep, with a thickness of 2". An 18" x 26" mini-slab works out to be 3.25 square feet and about 23 pounds. Do you have to do any cutting? You don't need to cut the stone if your countertop has a straight or L-shaped countertop configuration. However, around the sink and at the corner are the two most difficult points. As for your sink, you can buy sink tools of pre-cut stone, so that you only need to install the stone and set the sink in place with no cutting involved. As for the corner, you can approach by at least two ways. You can place two perpendicular plates and fill the square with a similar-sized slab. Or you can have two slabs that are cut at 45-degree angles and join at this cut. The second version means you have one less seam. What about edges? Normally, we all know that the front edge must be flat and polished. If you want an overhang that called apron, it's possible to purchase slabs with an apron attached, or you can purchase extra-deep slabs and cut off the back inch and reattach as an apron to the front. The missing rear inches filled with materials must be similar to mini-slab overlays. How can I minimize seams? Ot can hardly be denied that minimizing seams is very important. However, you need to make the seam minimize procedure correct. To remove seams or lippage when installing (lippage is a vertical difference between two plates), you should not use what is called "wild color". This is because the distinctive patterning on one side will not be matched on the other side of the seam. In addition, colors like dead black or other uniform colors will show seams. something like mint brown granite or other stone that has a consistent grain is a good way for minimizing seams Advantages of using materials overlay The first advantage of using mini-slab overlays is DIY-friendly. Slab overlays are specifically designed for the do-it-yourselfer. Newly engineered stone or slab counters are not DIY-friendly.  Moreover, this method help you save time and money in bringing a new look to your kitchen. In addition, You will not have to destroy your current countertops. Use them better than using tiles. Rather than 60 linear feet or greater of seams, as you would have with tiles 12" or smaller, you might have as little as 10 linear feet of seams for a 10' x 10' kitchen. Disadvantages of using mini-slab overlays Seam: there will be a few seams visible because you are not using large and continuous sheets. However, after a while, homeowners do not pay much attention because they are quite small. Shipping costs: This cost is difficult in purchasing the materials overlays. Therefore, you will need to order online and bear the shipping fee. Many companies that supply materials overlays charge a pretty high shipping fee. For example, the shipping fee for six 18 "x 21" small plates is worth $ 199 for only 149.70 dollars. However, when you increase your order by more than $ 600, you will get free shipping. Shipping cost is difficult in purchasing the materials overlays What's the cost? As mentioned above, using mini-slab overlay will save you significant costs. Overlays are purchased for each piece and the pieces run for about $ 50 to $ 100. The Overlay is less expensive than the usual stone or quartz countertops just because they yield to do-it-yourself installation. All in all, using the mini-slab overlay is a great choice to refurbish your kitchen Read the full article

[itsfinancethings]

As her campaign limps into Super Tuesday, Massachusetts Senator Elizabeth Warren is receiving millions of dollars in help from the kind of outside money group she has repeatedly decried, underscoring the tough realities of a primary contest featuring two self-funded billionaires and a collection of rivals benefiting from political-action committee money.

Persist PAC, a super PAC that officially formed several days before the Nevada caucuses to support Warren’s campaign, announced Thursday it would spend $9 million in advertising across television markets in three Super Tuesday states: California, Texas and Warren’s home state of Massachusetts. The ad buy came on top of a $3.25 million investment from the group earlier this week in eight other Super Tuesday states.

In an ironic twist, that now makes Warren, who along with Vermont Sen. Bernie Sanders has been the strongest opponent of super PACs in the 2020 campaign, the biggest beneficiary of such a group heading into Super Tuesday — the most prominent reversal yet among the candidates on the issue of high-dollar donations. At one point, nearly every candidate decried the practice, before realizing it may be a necessity for survival.

Under campaign finance laws, donors can give unlimited amounts to a super PAC as long as the groups do not directly coordinate with the candidates they are supporting. Since launching her campaign, Warren has prided herself on her refusal to accept money from political action committees or federal lobbyists, and she has promised to disavow any super PAC that formed on her behalf.

That pledge is still publicly available on her campaign website, but Warren has not distanced herself from Persist PAC. Instead, her rhetoric on the issue started to shift in the past month, as her once-promising campaign underperformed its expectations in the first three states to vote. “If all the candidates want to get rid of super PACs, count me in, I’ll lead the charge,” she told reporters on Feb. 20 in Nevada when asked if she would disavow Persist PAC. “But that’s how it has to be. It can’t be the case that a bunch of people keep them and only one or two don’t.”

In a CNN town hall that same day, she insisted her position was not a reversal. “This is also about the billionaires in the race,” she said. “They have the equivalent of a super PAC— it’s known as their sock drawer … I think we all ought to be running campaigns where all the money comes through the campaign and everybody plays by the same limits and the same disclosures.”

Warren has come under fire since Persist PAC announced its most recent and largest ad buy on Thursday evening. On Friday, her campaign told TIME that Persist PAC and every other backing a Democratic candidate should disclose their donors before Super Tuesday in response to a question about the spending. But it stopped far short of the blanket disavowal that her web site explicitly promises. A spokesperson for Persist PAC said the donors would be released on March 20, the next filing date with the Federal Election Commission.

Warren is hardly the first Democrat to reverse their position on money in politics during the course of the race. As the campaigns kicked off last year, the desire to rid the system of big money was a key talking point that quickly met reality. Former Vice President Joe Biden also decried super PACs before reversing his stance this past October after former aides formed one. Even candidates who still deride them, like Sanders, have a more complex relationship with outside groups than their rhetoric indicates. Sanders is backed by Our Revolution, an organization founded in the wake of his 2016 campaign, which is not required to disclose its donors because it operates as a 501(c)4 non-profit.

“The conundrums of calling for reform while running in the current system have been around for a long time,” says Meredith McGehee, executive director of Issue One, a non-partisan group dedicated to political reform.

But with so many delegates on the line this coming Tuesday, Warren’s reversal seemed especially expedient to other campaigns, whom she has slammed for taking money from big donors. “The height of hypocrisy,” one Democratic fundraiser supporting a competitor wrote in a text to TIME.

“Purity tests that you yourself cannot pass,” Lis Smith, a senior adviser to presidential candidate Pete Buttigieg, wrote on Twitter. Warren had repeatedly criticized Buttigieg for hobnobbing with rich donors in a “wine cave.”

A note one Biden supporter sent to fellow Democratic donors, viewed by TIME on condition of anonymity, carried a similar message, calling Warren the “ultimate hypocrite.”

“While we all knew she held big money fundraisers in Martha’s Vineyard and Boston, among other places, before the campaign … there is now a Super PAC for her [and] she isn’t denouncing it,” the note read.

While super PACs do not directly put money into any campaign’s coffers, they can provide the kind of financial boost to candidates that Warren needs right now. Her campaign finance filings from January show she had just $2.3 million on hand — the lowest of any major candidate in the race — and that she had spent more than double the $11 million she raised that month. The campaign also took out a $3 million loan, FEC records show, although it only used $400,000 of that money.

McGehee says Warren’s reversal indicates the complexities of navigating a campaign terrain filled with self-funding billionaires and other candidates relying on Super PACs. “It’s kind of hard to go around pointing fingers in a world Citizens United created,” she says, referring to the 2010 Supreme Court case that afforded unlimited spending to corporations and outside groups. “It’s fair to ask these questions about things within the candidate’s control, but they are playing in a very tilted and distorted playing field.”

[newstechreviews]

As her campaign limps into Super Tuesday, Massachusetts Senator Elizabeth Warren is receiving millions of dollars in help from the kind of outside money group she has repeatedly decried, underscoring the tough realities of a primary contest featuring two self-funded billionaires and a collection of rivals benefiting from political-action committee money.

Persist PAC, a super PAC that officially formed several days before the Nevada caucuses to support Warren’s campaign, announced Thursday it would spend $9 million in advertising across television markets in three Super Tuesday states: California, Texas and Warren’s home state of Massachusetts. The ad buy came on top of a $3.25 million investment from the group earlier this week in eight other Super Tuesday states.

In an ironic twist, that now makes Warren, who along with Vermont Sen. Bernie Sanders has been the strongest opponent of super PACs in the 2020 campaign, the biggest beneficiary of such a group heading into Super Tuesday — the most prominent reversal yet among the candidates on the issue of high-dollar donations. At one point, nearly every candidate decried the practice, before realizing it may be a necessity for survival.

Under campaign finance laws, donors can give unlimited amounts to a super PAC as long as the groups do not directly coordinate with the candidates they are supporting. Since launching her campaign, Warren has prided herself on her refusal to accept money from political action committees or federal lobbyists, and she has promised to disavow any super PAC that formed on her behalf.

That pledge is still publicly available on her campaign website, but Warren has not distanced herself from Persist PAC. Instead, her rhetoric on the issue started to shift in the past month, as her once-promising campaign underperformed its expectations in the first three states to vote. “If all the candidates want to get rid of super PACs, count me in, I’ll lead the charge,” she told reporters on Feb. 20 in Nevada when asked if she would disavow Persist PAC. “But that’s how it has to be. It can’t be the case that a bunch of people keep them and only one or two don’t.”

In a CNN town hall that same day, she insisted her position was not a reversal. “This is also about the billionaires in the race,” she said. “They have the equivalent of a super PAC— it’s known as their sock drawer … I think we all ought to be running campaigns where all the money comes through the campaign and everybody plays by the same limits and the same disclosures.”

Warren has come under fire since Persist PAC announced its most recent and largest ad buy on Thursday evening. On Friday, her campaign told TIME that Persist PAC and every other backing a Democratic candidate should disclose their donors before Super Tuesday in response to a question about the spending. But it stopped far short of the blanket disavowal that her web site explicitly promises. A spokesperson for Persist PAC said the donors would be released on March 20, the next filing date with the Federal Election Commission.

Warren is hardly the first Democrat to reverse their position on money in politics during the course of the race. As the campaigns kicked off last year, the desire to rid the system of big money was a key talking point that quickly met reality. Former Vice President Joe Biden also decried super PACs before reversing his stance this past October after former aides formed one. Even candidates who still deride them, like Sanders, have a more complex relationship with outside groups than their rhetoric indicates. Sanders is backed by Our Revolution, an organization founded in the wake of his 2016 campaign, which is not required to disclose its donors because it operates as a 501(c)4 non-profit.

“The conundrums of calling for reform while running in the current system have been around for a long time,” says Meredith McGehee, executive director of Issue One, a non-partisan group dedicated to political reform.

But with so many delegates on the line this coming Tuesday, Warren’s reversal seemed especially expedient to other campaigns, whom she has slammed for taking money from big donors. “The height of hypocrisy,” one Democratic fundraiser supporting a competitor wrote in a text to TIME.

“Purity tests that you yourself cannot pass,” Lis Smith, a senior adviser to presidential candidate Pete Buttigieg, wrote on Twitter. Warren had repeatedly criticized Buttigieg for hobnobbing with rich donors in a “wine cave.”

A note one Biden supporter sent to fellow Democratic donors, viewed by TIME on condition of anonymity, carried a similar message, calling Warren the “ultimate hypocrite.”

“While we all knew she held big money fundraisers in Martha’s Vineyard and Boston, among other places, before the campaign … there is now a Super PAC for her [and] she isn’t denouncing it,” the note read.

While super PACs do not directly put money into any campaign’s coffers, they can provide the kind of financial boost to candidates that Warren needs right now. Her campaign finance filings from January show she had just $2.3 million on hand — the lowest of any major candidate in the race — and that she had spent more than double the $11 million she raised that month. The campaign also took out a $3 million loan, FEC records show, although it only used $400,000 of that money.

McGehee says Warren’s reversal indicates the complexities of navigating a campaign terrain filled with self-funding billionaires and other candidates relying on Super PACs. “It’s kind of hard to go around pointing fingers in a world Citizens United created,” she says, referring to the 2010 Supreme Court case that afforded unlimited spending to corporations and outside groups. “It’s fair to ask these questions about things within the candidate’s control, but they are playing in a very tilted and distorted playing field.”

[fthbarlingtontx]

What Are Current Va Mortgage Rates

Contents

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Interest rate high

Veteran affairs (va

Dollar guaranty limitations

Is Low Va Rates Legit We offer readers 10 free articles every 30 days, and you have 0 remaining. Want more? Support local journalism and subscribe today with our special low introductory rate of $2.95/month. We hope you.

The things that affect the interest rates that are attached to the typical VA home loan are so varied and complex that there is no hard and fast rule to refer to. If you are considering a VA home loan, contact a number of qualified lenders and ask them what the current rate is.

The following examples describe the terms of a typical loan for rates available on Aug. 23, 2019 and subject to the assumptions described immediately above. 15-Year VA IRRRL. A 15-Year VA IRRRL loan in the amount of $175,000 with a fixed rate of 3.500% (3.630% APR) would have 180 monthly principal and interest payments of $1,251.04.

Click here for today's VA Loan rates in greater chicago. enjoy zero down payment, easy qualification, and a low VA mortgage rate at United Home Loans.

Va Loan Funding Fee Disability The VA may send out your documents after you close, but they make the disability rating date retroactive to when it actually happened. This means that if your disability date is before the closing date, the VA will give you a refund of your VA funding fee. The VA will refund your funding fee the way that you paid it.Cost Of A Va Loan The fee can be paid upfront or tacked on to the total loan amount. Closing costs are usually limited with a VA loan, though the buyer is still responsible for paying them in most cases. The US.Why Get A Va Loan Veterans United Home Loans Login Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).by Horace Holmes/ABC7 ARLINGTON, Va. (ABC7) – Myrtle Day opened her mouth. Jefferson has gotten a bill from Lending Club. She asked them why. "Because I signed this paper for this loan," she said..

The VA offers several mortgage types, and each carries its own va loan interest rate, fees, and closing costs. The details can feel daunting, but you don't have to.

An IRRRL may be done with "no money out of pocket" by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs. When refinancing from an existing VA ARM loan to a fixed rate loan, the interest rate may increase.

Veterans Buying Land In Texas Is A Va Loan Transferable Va Loan Interest Rates Usaa Can You Have Two Va Home Loans Yes, homeowners may have a loan insured by the Federal Housing Administration (FHA) on one house and a veteran affairs (va) loan on another house at the same time. It’s even possible to have two FHA and VA loans at the same time. How and when you obtain each loan may cause some issues with lenders, but generally this is permitted.Lenders may also provide fixed- or adjustable-rate VA loans, or both. If a lender offers adjustable-rate VA loans, it could have different options for how often the interest rate can change. For example, on a 5/1 adjustable-rate VA loan, the interest rate stays the same for five years and then can only change once per year.VA loan assumptions aren’t incredibly common, but the ability to have someone assume your loan is a potential benefit when the time comes to sell. And it’s a benefit you won’t find with most conventional mortgages.Hunting and Ranch Land for Sale Veterans land board vlb eligible land for Sale . click on the picture to go to the detailed description email us at – Info@TexasHuntingLand.com

Current VA mortgage rates hover around 3.25 percent for a 30-year fixed-rate VA mortgage loan and around 3 percent for a 15-year fixed-rate VA mortgage. The short-term prediction is that VA mortgage interest rates will decrease by a small percent, but they are at near record lows right now , so it is up to you if you want to risk it and wait.

Mortgage rates are dropping to fresh lows. September could provide some of the lowest rates in 3 years. This is the chance mortgage rate shoppers have been waiting for.

Compare VA refinance rates. Find and compare current VA refinance rates from lenders in your area. You may qualify for an Interest Rate Reduction Refinance Loan (IRRRL) or a VA cash-out refinance.

Va Home Loan Guarantee Amount The Servicemen’s Readjustment Act of 1944 established the VA home loan guaranty program. The program authorized the guaranty of 20-year loans at a 4% interest rate under which the VA guaranteed to pay the lender the lesser of 50% of the loan amount or $2,000 if the borrower defaulted. The loan term, interest rate, and the percentage and dollar guaranty limitations have been increased over.

Compare today's low mortgage rates with Guaranteed Rate. If you're a. Rates current as of 8/17/2019, 4:04 pm, available through Guaranteed Rate's Online Division. Rates may vary by. VA 30-Year Fixed, 3.500%, 3.874%. FHA 30-Year .

https://ift.tt/3017klX

[spookyenemyperson-blog]

alabama insurance law 2013

"alabama insurance law 2013

alabama insurance law 2013

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

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How many people lack health insurance?

If you lack health insurance, why? If you cannot afford it, what could people around you do to help you out?""

Will my insurance raise if neither party gets paid damages?

I got in an accident and it is my fault. I traded info and immediately told my insurance company. It turns out that the other party tried to commit fraud on the case, got caught, and will not get a claim now. Though I do feel bad as it is ultimately my fault, my car has no damage so if neither party gets collision claims will it go on my record or raise my premium? It seems like it shouldn't but I feel like it will. Thank you.""

Do I need horse insurance?

Do I really need horse insurance on a horse that I am leasing for more than half the year. I am going to lease a horse from out of state next September to about June. He is a 8 year old chenut gelding thoroughbred. He will be moved from a farm out of state to a boarding facility closer to me. He doesn't have any health problems but can become stiff after work. Do I need insurance just in case something were to happen to him if so what are some good companies.

alabama insurance law 2013

alabama insurance law 2013

What can I do about uninsured motorist?

I was driving at a green light and the person made a left turn into me without a turning signal. I swerved right to avoid them, but we still crashed. A car then hit me from behind because of it. Their car has no damage, but I'm pretty sure my car and car 1 is totaled. I'm worried because car 1 might not have insurance. I have a dislocated thumb, that I need surgery on and won't be able to work for a while. My job won't give me short term disability. I have liability insurance in PA. Do I find car 1? Can I go to car 2's insurance and get anything? I heard PA is a no fault state but I don't understand any of that. If anyone could explain anything to me and let me know what to do next, I would really appreciate that.""

Where can I find an affordable Orthodontist in Seattle/Kirkland/Woodinville area?

Where can I find an affordable Orthodontist in Seattle/Kirkland/Woodinville area?

What car insurance company should I go with?

I am looking for the cheapest car insurance for a 19 year old who has a clean driving record

Will my auto insurance rates go up if I get a red light camera ticket?

This is my first red light camera ticket but my second ticket this year. The first one was a speeding ticket. Will my auto insurance rates go up for a red light ticket?

How much (on average) would private health insurance be per month for a family of three?

male 40 y.o., female 36 y.o., and child.""

How much does auto insurance cost for a 16 year old female?

I was trying to do the online quote thing but i cant because its asks for a phone in order to generate the rates , and im most certainly not about to give them my phone number. No way jose.thats why im asking. -Im a 16 year old female -Dont have a license (yet) -im single -I would be driving a 2001 kia... i think sephia? Idk but it looks like a very basic car. -I have good grades -i have never gotten tickets or DUIS So do any of u have an estimate??? Also please dont comment something irrelevant or pointless...""

How much would insurance be for a 125cc motorbike in the UK? Just a ball park figure.?

How much would insurance be for a 125cc motorbike in the UK? Just a ball park figure.?

Good car for a 18 year old thats cheap on insurance?

Hi, i just turned 18 and recently have been looking in purchasing a used car. my budget is about $5000 and I will be able to afford my own insurance. I dont want a very low quality but i also cant afford a mercedes. So what do you think i should look at? I live in Ontario Canada btw.""

AFFORDABLE auto insurance for 18 year old?

I am 18 years old. I live with my mom and younger non driving brother. My mother does not have her licence because she is not well and my little brother is to young to drive. I am ...show more

""At 14 and 16, can my boyfriend and I get health insurance together?

Can we get a plan together for our baby on the way and us? We'd like to pay for it ourselves and we need health insurance for the baby and I.

How much for infinity g35 or nissan 350z insurance?

Well ive had my license since I was 16 and im currently 18. I have a jeep and after working on it and driving it so much ive decided to get rid of it for something new. Im pretty set on getting either a g35,350z or 330xi, however, i wanted to know how much insurance might cost for either the infinity or the 350z. For the people who want to judge and say i dont deserve any of these cars,please refrain from commenting that on this post.1)I do not car and 2) Im a very good driver and i drive a lot and have a lot of experience on the road sees that I'm always driving around to and from practice,work,and each parents house because they are divorced. thank you""

New Car Insurance?

I just bought a new car. I put down $7,000 and am paying $197/month for five years. I purchased car insurance, and the monthly premium is $358. Is this too much? I'm 18 years old, and I live in Colorado. I know it's going to be high because I'm a teenager and it's a new car, but does this seem like it is too high?""

I need cheap car insurance for Astra SRI 1.8 58 plate. I'm female with full license for 4 years.?

I use car for school run and shopping only and I park it on the street outside my house. I am 32 years old and female. Any help would be great as car insurance is beyond expensive. Thanks

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?""

I need a list of affordable cars that look like a sports car but aren't considered one by insurance?

Or just a list of sports cars that tend to have lower insurance.

Will a speeding ticket increase the insurance rate on car?

I got a ticket and i dont want to tell my parents. The officer said i could send the check to pay it off through the mail or by email.

Cheap car insurance companies?

I just turned 17, and im gonna be learning to drive soon, but once I have learnt to drive, I can't afford the insurance""

How much would insurance cost for a mini moto?

How much would insurance cost for a mini moto?

Driving without insurance?

I can't afford insurance for the truck I got, it's registered in my dads name and is legal, but what happens if I get caught with out insurance?""

What is the cheapest insurance company for georgia drivers under 18?

What is the cheapest insurance company for georgia drivers under 18?

How do I get all my old insurance names?

Hiya. Im struggling to find a way to get my information. Most of us dont keep all our old paperwork. Been driving for 6 years but cant remember even who the companys where. Any way of finding out or are they lost forever? Is it also possible to claim on possible ppi on car insurance?

How much would a BMW increase your insurance every month if you have Nationwide?

Like compared to having a non-luxury import car?

The insurance company put my name in wrong would i technicly now not be insured?

My name is Jonathan capital J! to cut a long story short i was with one insurance company phoned up for my renewal quote they did the renewal over the phone with their sister company who was the cheaper one and said they would deal with it all for me and just swap all the deatails to that insurance but they got my name wrong. On last years one it was correct ''Jonathan'' now its been sent to them someone had typed in ''jon'' not even a capital letter for my name! Would the police now be able to stop me and say well your technicly not insured because thats not your name? thanks in advance.

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.""

Is this true about car insurance?

I know that when you're 25, your car insurance is usually lowered. Today someone told me if you're under 25 but over 18 and have a child, your insurance is the same as someone over 25. Is that true?""

alabama insurance law 2013

alabama insurance law 2013

Can I buy an expensive sports car and insurance under my moms name?

I want to purchase a brand new Nissan GTR from the dealership (I have the money ready) and want to buy get full coverage car insurance for it too. However, Since I am male (I'm 28 years old) the car insurace is way too expensive. If I were to have my mom come purchase the car for me as her being the primary legal owner with me being the co signer (I am paying for it with my own money upfront) and have her be the primary legal full coverage driver on that car in the insurance policy with me being able to drive it too with full coverage will this work in order to get a drastically lower monthly insurance payment? It's perfectly fine with my mom being the legal owner as long as my mouth is shut to the insurance company. I also don't mind paying for the both of us on this car as long as my insurance payment is lower. What do you think? Isn't it a brilliant idea?""

What is the average cost of motorcycle insurance in illinois for a 21 year old?

What is the average cost of motorcycle insurance in illinois for a 21 year old?

Can I get medicaid? (17 weeks pregnant)?

Okay here is the deal, I appreciate all of the help. Okay so I am 17 weeks pregnant and have cigna through my job but when I went to talk to HR today, I will have to be terminated when I take maternity leave because I will only be at the company for 11 months. ( need to be there a year ). So when I give birth, I wont have coverage, that is a bummer! I dunno what else to do but cancel my insurance and get medicaid, something I was trying to avoid but now I don't feel like there is an option, cause I can't cover the baby either with my companies health insurance... argh.. Can i still get medicaid even though I'm so far along??? I'm so scared and dunno wtf to do. Help!!!!!!!!!!!!! and BTW I am in the state of FL""

Will 1 Point on my drivers record increase my Insurance in California?

Will 1 Point on my drivers record increase my Insurance in California? I got a speed ticket for driving 12+ miles over the speed limit and was told I received 1 point and a speeding ticket.

""I am looking out for a healthcare provider which is also an insurance company located in California, U.S.?""

I am looking out for a healthcare provider which is also an insurance company located in California, U.S.?""

Some Health Insurance Companies Offering Decent and Cheap Plans for International Students in the US?

I will be studying my Master in the Boston area, this September. The grad-school health insurance is a little too expensive to me. What would be some companies offering decent and affordable health insurance plans?""

About how much would the insurance for 16 year old driving a 1997 Chevrolet Camaro?

In Missouri about how much would car insurance be a 16 year old with good grades be for a 1997 chevy camaro, or a 1997 pontiac firebird. And also, what is the cheapest car for a 16 year old to insure? Thanks""

How much do speeding tickets effect your insurance ?

I got 2 speeding tickets, my first and second one of my life and im only 17. How will these tickets effect my insurance ?""

Do motorcycles require insurance in georgia?

Do motorcycles require insurance in georgia?

""How much money does insurrance cost for a New male driver, in Alberta Canada?""

Ok so im 16 and i want to take my test, the only thing is my parents want me to take drivers ed. because apparently it saves on insurance. but it costs like 600 bucks Jeeeze. Anyways i want to know how much insurance costs so i can work out how much i would actually save...or wouldn't. Thanks""

How much would short term auto insurance normally cost in new york?

say i have a bmw 530i im single, 35 years old, male and all my driver's license records are clean how much would it cost to insure the car for only one day?""

Which car insurance companies reserve cars through hertz?

im going to be getting me a new car and with my current insurance company they only reserve through enterprise which i am not old enough to use. hertz rents to 20 year olds. im just trying to make sure i will have an alternative way to get around if something happens to it. so which insurance companies reserves through them? or will u have to request it? because i know some wants you to pay first and they will rein-burst you

Cost car insurance in michigan?

hi im 19 live in michiganand want to get a car. it will be valued at around 8,000-10,000 dollars. how much will the absolute cheapest car insurance be per year. i have never been in an accident or had any tickets. thanks for any responses!!""

What is the cost of the insurance for the car i want ?

I want a Suzuki Ignis 1.5 sport im just about to start driving wants the insurance going to cost ?

Will I get my licence quicker if I learn in an automatic? Will the insurance be cheaper if I go on my dads?

Before you say it, I know I wont be able to drive manual if I just learn in an automatic""

Change something in my Progressive insurance?

so when i got my insurance with Progressive, i was keeping my motorcycle outside, but now i keep it in a garage. Is there any way i can change the part of my policy where it asks where i keep my motorcycle? I was hoping me keeping it inside would get me a lower rate. Thanks!""

What cars are cheap and affordable for first time drivers ?

I am booking my driving test soon and looking to save some money for a car, already have some saved up, i wondered on any opinions on cheap cars, low-ish insurance and a reliable one. In the UK which i could buy.""

What is a good cheap car for a 17year old? I want cheap insurance as well.?

I have recent started driving lessons and I want to buy a car. I only earn 30 a day tho.

Can Drivers under 18 without a car drive with their parents insurance?

I just got my drivers license and I don't have a car. Im not 18, and i don't think i will be driving enough to have to need a car, or to pay insurance every month. But if ever ...show more""

How much do you pay for your car insurance ?

I have a mini van about 10 years old. I pay $250 every six month I believe ... premium. Covers 1000K Injury, 50K, 25K property damage, and 10K injury.""

Does anyone know what the average insurance cost for a 2004 Dodge Ram is?

I just bought a beautiful 2004 dodge ram quad cab 4x2 4.7 V8 and i have quotes that range from $165- $303 per month. If you have a similiar truck to mine, how much is the average insurance payment, and what company do you use? I head AAA and 21st Century were pretty good?""

How do I find out who insures a store?

I know its private and you can't find this out and the owner doesn't have to tell you. Although there is a safety hazard when I go into this store and I don't want to get hurt and have to sue...I don't want it to get down to that...I want to let they're insurance company know. This really concerns me how you can contact somebody's insurance company... Is there anybody else I can report to?

What's the cheapest way to commute between Liverpool and Manchester?

Hi, I'm starting a new job in Manchester next month and I'm trying to find the cheapest way to commute. I'll be travelling from Rock Ferry to Manchester Piccadilly 5 days a week and my working hours will be roughly 9am to 5pm, although some days will require an earlier start and a later finish. I've looked at a rail season ticket and was shocked to discover it would cost 3008.00 with First Trans Penine. I've also read that the train journey is horrendous. My wife and I share a car but realistically, she can't rely on me to pick her up and drop her off at work at the same time every day (she works in Liverpool) so we would potentially need another car. With that, comes the initial cost of buying the vehicle, then tax, insurance, MOT and weekly fuel, which in my mind will cost even more than the rail season ticket. Added to that is the fact that we're not particularly well off so can't afford more than a couple of thousand for a 2nd hand car. A brand new car on finance would be out of the question. So, are there any regular Liverpool to Manchester commuters out there and if so, how do you keep your costs down? Any suggestions would be much appreciated!""

Car insurance question?

Can someone get insurance on a vehicle when their name is NOT on the title?? The insurance is in VA. My husband owns the car and was letting his little bro drive it, but we've removed the insurance and told him NOT to drive it, and found out that he has put insurance on it with his insurance company! Is this possible or legal even?""

Does filing a police report increase car insurance?

I filed a police report for a hit and run minor fender bender that I can fix myself. Did I make a mistake filing a police report?

alabama insurance law 2013

alabama insurance law 2013

Temp car insurance for under 21?

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

Car road tax and insurance costs?

Can anyone direct me to a website which will tell me the insurance group or cars. Also one which will tell me how much road tax per year. Looking to buy a car but would like an idea of these costs first. Looking at a Honda Civic se executive... 1600cc... 2003 model.

Car Insurance - What kind of coverage is needed for an Occasional Driver...?

Okay, this is the deal, I have full coverage car insurance. This means that the insurance will cover me, if I have an accident that is my fault or if someone else hits me & it's not my fault. I also have insurance that covers me if someone breaks into my car & steals any kind of important items in my car. The Question... I sometimes let other people drive my car, to run errands for me (like driving my car home, cause I'm too sleepy to drive or I'm super busy & need an item from the store & I hand my keys to a licensed driver). I talked to my insurance company & was told they do not have coverage that will cover other drivers unless they are listed under my coverage. The problem - I don't want to list everybody in my family or all my friends. Isn't there insurance coverage that will cover anybody driving my vihecle as long as they are older than 25 & has a valid license? If so, what's the name of this type coverage - I nd to know the name b4 I call other companys. thanks""

Motorcycle insurance Please Help?

So I'm looking into insurance for a bike I'll be getting soon and I did a estimated online check on Geico for my insurance and it says: Here is your quote for 12 months of coverage: Payments as low as $172.63 Your 12-Month policy is only $2012.00 Does that mean I pay $172.63 per month and $2012.00 a year? Sorry I'm new to this, never had to pay and figure out my own insurance! Just paid my father and he did the rest.""

Why isn't the Affordable Healthcare Act more like car insurance?

I'm just wondering why no one thought to copy how car insurance works to work with healthcare. Think about it, we'd save a lot on government spending. Those who buy healthcare, are covered through insurance. If you don't buy healthcare, it is up to you to buy it, and if you're asked to show proof of health insurance and don't have it, you're fined. It's simple, easy, and perfectly understandable by anyone. So.. if it works for car insurance... why wouldn't it work for health insurance?""

Insurance Claim and Home Owner Insurance Claim?

If you were to be injured at a persons home and you make an insurance claim due to seeking medical attention can the home owner also make an insurance claim? What if both the injured party and the homeowner make a claim and both receive money? If this is not allowed what action can be taken upon the parties?

""If I make a claim using my company car insurance, does that affect my personal insurance reputation?""

I recently got into a little fender bender using my company car. The other driver wasn't present, so I left a note. He called, and I followed through by filing a claim with the insurance company. I'm worried, though, that my personal insurance reputation/rating is going to be affected because of this claim with my company car. Any information you can provide would b helpful.""

Question about health insurance?

I went to the ER in late May and I recently got promoted so I applied for health insurance. However, my health insurance does not go into effect til July. I was told by the hospital that I will be billed in about 2 -3 months. Is there anyway I can use my insurance for the bill or will I have to pay out of pocket?""

New car insurance when to get it?

Bought a 2010 Toyota corolla s at rusty Eck ford my grandpa consigned for me and they took a copy of he's insurance to let me drive the car home on 60 day tag plates. Am I supposed to put the insurance right away or after the 60 day tags are over ? I'm in Wichita ks

Car insurance question on a 2002 pontiac firebird?

so i might possibly be getting a 2002 pontiac firebird convertible. im a 17 year old female and it would be my first car. im going under my moms insurance because it will be cheaper. but being that is it a sports car does anyone know a round about on how much insurance would be? 10 points =)

""21st Century, mainly for the reduced rates with the same as other carriers?""

21st Century Insurance Company is a quality, affordable carrier for automobile ... At 21st Century Insurance Company, we understand how complicated buying auto insurance can be....I'm thinking of switching my auto insurance from GEICO to 21st Century, mainly for the reduced rates with the same coverage. Anyone has any experience with ...for a quote go to http://www.quoteinsuranceauto.com""

How much commission can I make selling car and homeowners insurance?

How much commission can I make selling car and homeowners insurance?

Cheap Cars for cheap insurace??????????

I am 18 a new driver and i am looking for a used car with a budget from 400 to 600 iam trying to find a car with a cheap insurance and are Diesel cars cheaper to insure????

Car insurance/ car accident?

i got into an accident i was at fault for failure to yield, my car got damaged badly she hit me going about 40 my front bumper is all smashed and my headlight fell out could cost 2500 or more my insurance is only liability, how does this work my insurance covers her vehicle and vice versa or what?""

""Why do the Cons enjoy that insurance premiums are avg. $13,000 per year?""

And expected to get up to $25,000 within ten years? Do they enjoy that average Joe might spend about half of their annual income on insurance? I'm interested to know how either s bankrupt nation or an illness plagued nation is good for the country. ? These statistics are all over the news today""

""Insured car, uninsured driver?""

I have a free-loading bother in-law and I was just wondering. If he uses the family car which is insured but he does not have car insurance, can he be liable in any accident situation? Please tell me yes, so I have a reason to refuse my car to him. Anything from if he is at fault or not at fault, injury, coverage, or settlements... Thanks""

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatbale do you have? feel free to answer also if you do not have insurance? also, do you support obamacare?""

How much would insurance for 2009 Ford Focus be? Estimate?

I'm wondering how much insurance would cost for the 2009 Ford Focus for a 17 year old girl be? I want to buy a 2009 Ford Focus when I turn 17 not this coming up January but next. Oh and prices of how much the car costs would be nice too. Thanks!

""Car accident, my fault, my insurance company not paying for one of the cars involved. what to do?""

I was involved in an accident involving 3 cars. It was my fault. I'm fully insured. My car and one of the other cars in the accident are being repaired with my insurance company. The third car involved, which is a taxi had little damage around the tires and was not towed on the scene of the accident. The cab driver is now claiming 1700, after repairing the car without talking to my insurance company and without his damage estimated. He is calling me and telling me that my insurance company is not answering his calls and they are not handling his claim. He is calling and telling me that he is going to sue me. What shall I do? At the scene of the accident I gave him my insurance card, should I get involved in this. Please advise me. I'm really worried.""

What is the best family hatchback between 1.4 and 1.8 with Auto transmition?

I have an Auto-only licence and currently drive a 1.4 corsa. However, I'm looking for a bigger car... I have 2 young kids and am looking for something up to a 1.8LTR. However, it has to be roomy enough for a family of four, economical on fuel and relatively cheap on insurance / tax. Any ideas?""

Afordable health insurance for a person diognotis hep-c?

helth care provder

Are there any Insurance companies in the Philippines that have Mortgage Protection Insurance?

Any companies that have this certain type of insurance directed to people paying off a house or a property?

Anyone know about AAA car insurance and there uninsured motorist policy in California?

My daughters agent also mine now says she needs to pay her deductible,. I used to have farmers when the same thing happened to me ( a uninsured unlicensed driver hit her).And my deductible was waived. When I looked over the policy it doesnt say anything about a deductible. Any help would be appreciated""

Best and cheapest car insurance in australia?

Can anyone tell me the cheapest and best most reliable comprehensive car insurance in australia i need to insure my car asap im thinking westpac or aiime

Why are Americans so opposed to universal health insurance?

Virtually every Western industrialized nation has it, even Canada, and they are not more bankrupted than the US because of it. It seems like getting in the way of progress for the local population, really. So, what are the arguments of the people opposed to this reform? Thank You.""

alabama insurance law 2013

alabama insurance law 2013

https://www.linkedin.com/pulse/what-options-exist-pregnant-women-who-make-too-much-medicaid-green/"

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volkswagen up insurance group

"volkswagen up insurance group

volkswagen up insurance group

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

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23 & Auto Insurance...never had any in my name?

ok, so i haven't gotten my new vehicle yet. I won one through the company i work for. I will be getting my new ride in about 6-10wks. Cheverlot Equinox 2010. I have never had car insurance in my name, my dad always took care of this kind of stuff for me. well since this car will be in my name, i was wondering do alot of the insurance companies go based on your credit score? i don't have good credit at all and worried my rates will be very high. I would like some companies listed that you know is cheap but also has discounts for my age with kids. I have 3 kids and i am 23, someone told me State Farm will give me a discount for my kids. Anyone heard of this? Or any other companies that do this. Thanks ANY information about AUTO insurance will be greatly appreciated. As far as the coverage also, i don't have a clue about any of these deductibles they are asking about when i go to some of the sites online for quotes! Thanks""

Would insurance on a 95 Mustang GT be extremely high?

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What is the law? You have a car; it is rated @ $3,800.00 book value. Another driver hits you in the rear at a Pa. borough crosswalk as you are traveling through and have stopped for a person crossing the street. You are nearly pushed into the pedestrian, but thankfully you were able to stop your car in time. The other driver is in the wrong of course; but how much does the offending driver's insurance company need to pay to fix your car? I'm having a problem - my estimate is $3,277.00. I am told to look for the car to be totaled and 80% of the book value is what the insurance company is required to pay. Does anyone know is this is true? This car is a 1999 but only has 58,000 miles on it and is in mint condition. I have owned it for 4 years and during that time have not put a penny in it for parts & repairs. To get another, I would take a great chance on getting one which is not nearly such good quality. I'm wondering if the insurance company has a maximum that they will pay for repairing - if so maybe I could add a little to it so I can keep this car? Didn't appreciate it so much until after the accident!!!!""

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Whats a good and affordable health insurance in nashville tennessee

Which car insurance won't be so expensive for me?

I'm 19 years old turning 20 at the end of this year. I Go to college. I don't have any tickets on my driving record. i got my license when i was 18. my car is volkswagen cabrio 2000. which car insurance will be the cheapest for my case?

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Where can I find affordable car insurance for a kit car?

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I'm getting my liscense soon and we have allstate and its expensive as hell! I live in texas and i dont plan on buying a sports car so how much would my insurance be you think and where should i go for cheap insurance?

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Hello, I had asthma as a child from ages 2 to 11. I am now 20 years old. Will this affect my health insurance premiums if I try to get an individual plan? Or will it not matter because the last incident was over 10 years ago? I do not take any medication or anything for the last 10 years.""

How to get insurance coverage when between jobs?

My wife had her own health insurance with her previous employer, and I have my own with my employer. We do not have kids. She started a new job, but probation period for benefits is 3 months. She worked for a dental office of 5 employees, so I don't think COBRA is an option for her plus it's really expensive. Is it possible to add her to my work insurance plan for only 3 months mid calendar year?""

Help with health insurance in Delaware.?

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My insurance is running out?

I am 19 years old and my insurance is running out in two days because i have a job and are not going to school. I have a pretty bad medical history of anxiety problems and low immune system. When i was younger i was in the hospital every year for something like phneumonia or stomach virus of strep throat. I have agoraphobia pretty bad. It is very hard for me to go to wal mart and i cant travel out of town because my anxiety kicks in. Now my insurance is going out and i don't know what to do. Its driving me crazy. Any suggestions to a way of getting medical care for cheap without all the thousands of dollars in bills would be greatly appreciated.Thank everyone so much for answers:)

What home owner insurance do I need to purchase?

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A 1994 bmw i518 for an 18 year old car insurance?

How much do you think the insurance will be? thank u!

Life insurance for people with bad health?

Are there any cheap life insurance companies that insure people who have existing health conditions such as heart failure?

How would a Universal health care public option put private health insurance out of business ?

How would a Universal health care public option put private health insurance out of business ?

Car insurance on a first car.?

I'll be buying my first car on Friday. I went to the garage today and was told I should come down on Friday when it will be ready to pick it up. My question is should I be getting my insurance sorted before Friday? I haven't put any money down on it as they said I wouldn't need a deposit on the car. Is it just the licesne plate number I need?

About how much would insurance be on a used 2005 Ford Mustang per year?

I'm a male. I live in Reno, NV It has 83,272 Miles 6 Cylinder Gasoline Engine Automatic Transmission 2 wheel drive - rear The car cost $10,880""

""What are car insurances rates just for liability insurance in reno, nv?""

What are car insurances rates just for liability insurance in reno, nv?""

Do I need insurance to buy a used car?

Wisconsin- I will be buying a new car this week (2004 Monte Carlo). My license is currently suspended, do I need to get insurance for it before I bring it home? (My mom will be driving it home for me)""

Car insurance for a 16 year old???

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

Which insurance company is the best for teenage drivers?

I am sixteen year old girl from New Hampshire, an honors student who runs cross country, and I have to pay for my own insurance because my parents don't have car insurance. Also, my car is a 1990 BMW 3.25 convertible, and I have only the limited funds supported by a part time job at Friendly's.""

Do I need to pay car insurance with my driver's permit?

Okay, so I'm almost 17, and can't get my driver's permit until I buy my own car. (parents rule's) Will I need to pay insurance with my permit because I'll own a car?""

volkswagen up insurance group

volkswagen up insurance group

What is the best health insurance for those who need to go through substance abuse programs.?

Husband got two DUI's and now the state of CT is making him do treatment before he can get license back. We are in California now, and I am looking for advice from someone who has EXPERIENCE with this. What is your suggestion for a health ins. plan to cover the costs of a substance abuse program, that includes counseling and evaluations...not detox.. Thanks so much!!""

Cheapest auto insurance in Toronto?

Cheapest auto insurance in Toronto?

What is the best car on cheap car insuRANCE?

I AM LOOKING FOR A CHEAP INSURANCE I AM 18 JUST PASSED

Medical Insurance at 18?

I'm a little confused, when you turn 18, do you automatically get dropped from your parents coverage if you're not in school?""

How much would car insurance cost for me if I got a car?

I'm 22 years old and have been driving since I was 18. Never got pulled over, a ticket, or in any accidents since I've been driving. Been on my moms insurance since then but I'm looking into getting my own used car and just curious as to how much it would cost for someone like me.""

What are your reviews for Geico and Progressive?

We have Amica insurance and they cost $1200 a year and our car is Saturn ION 2 2004 sedan. This is financed car so we need full coverage. With clean driving history and clean car history do you think this is a good price? Should we try other companies to compare? What are your reviews about Geico and Progressive? Do you think they are good companies and can give us better rates?

Roommates car insurance company wants my car insurance info?

My roommate just changed her address told her car insurance provider she moved in with a friend. Her insurance company wants my car insurance info. Why? Do I have to/need to supply this? What are the positives and or negatives to doing this? Could it make my insurance go up? Note: We are not under the same company or policy for that matter. Thanks

I'm 18 and need auto insurance.?

I'm 18 and am about to buy a new car. I'm still under my mother's insurance, but am planning to get off of her insurance. I'll probably end up buying a clunker car that doesn't cost much. Here's my question: Do auto insurance companies allow drivers to get off their parent's insurance plans and get one of their own? My mother isn't very cooperative about paying for car insurance. I need to buy my own insurance. She WILL NOT cooperate. Will this be expensive? How would I go about changing the plan?""

Student health insurance?

I recently got acceptance from California State University,Fullerton for my master degree and i need to have a health insurace to enroll for classes. Medical benefit is at least US 250.000$ per condition The medical evacuation benefit is at least 10.000$ The repatriation benefit is at least 7500$ What is the cheapest company supplying this conditions for cheap?""

Car insurance for teens?

i want to get a 2004 spyder eclipse two door, and i'm on my parents insurance (farmers insurance) because i'm 17, and was wondering if anyone knows about how much it will be a month.......""

Health Insurance?

anybody got any good advice am looking for health insurance my husband retires soon and we will need to get our own Health insurance. looked at blue cross and health partners but it so expensive anyone no anyone more affordable ty for any info.

My 70 year old grandmother's car insurance a rip off?

My grandmother is 70 years of age, drives a 2004 (54) 1.2l Vauxhall Corsa for personal reasons only - no commuting, work etc. Tesco car insurance have quoted 350 for fully comprehensive cover for 12 months. This seems a little steep as my father's 2004 RX8 which is classed as a 2.3l, or thereabouts, costs less than 300 & he's considerably younger. Each have full no claims bonuses. Please don't refer me to comparison sites because I'm sick of entering the necessary details only to receive ridiculously high quotes from them all. Thanks!""

Opening a company (California)?

What does one must have to register a small company in California specializing in recruitment/staffing employment? What type of Insurance (General Liability, Work Compensation) Approximate Cost. Tax id What is the approximate annual cost?""

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatble do you have? Feel free to answer also if you do not have insurance and do you support obamacare?""

Scooter insurance - Average cost?

I am 29, female, live in Greater London. Full cat B licence for 2 years, but no formal bike training, and will be riding a scooter of 50cc or lower. Any idea roughly how much I can expect to pay?""

Can I get my motorcycle registered with no title?

I just brought a bike for really cheap and I can get it insured so I think it isnt stiolen but if so how can I get it registered in the state of texas with no title

Insurance providers for 18 year old boys?

Hi Im 18 today and passed my test three months ago. I have a 2001 Renault Clio, and no reasons to be high risk however i can not insure it for less than 2800 a year. Can anyone give me advice on good insurance companies or how i can get cheaper insurance. Ps - I would like third party fire and theft Many thanks""

I was wondering who has the cheapest auto insurance rates in the bay area california? please help.....?

I was wondering who has the cheapest auto insurance rates in the bay area california? please help.....?

Cheapest car insurance?

I'm 17 and have only had my lisence a week. I need the cheapest car isnurance I can get with minimal coverage, I have a 98 Mitsubishi eclipse. Any ideas?""

Is it mandatory to have car insurance in New York State?

Will I get a ticket or get my licensed suspended if I don't have I don't have car insurance?

Health insurance for college students?

I'm going to be a sophomore in college and I don't think my college offers health insurance. I'm looking for cheap health insurance that'll cover me for check ups with my pediatrician, visits to the dermatologist, and prescription drugs. Suggestions?""

Whats the typical cost for fr-44 insurance - monthly?

more info: It would be a cheap car for example a 97 escort or corrolla in the state of florida. Thanks!

Is there an option to suspend auto insurance coverage when you are not in the United States?

I am in the United States and have liability-only auto insurance coverage. I will be on vacation (out of United States) for about a month and my wife (also on my insurance policy) would be out of the United States for more than six (6) months. Based on preliminary findings, it seems that not having coverage (break in coverage) would impact future insurance premiums. What is the best way to save money as well as not impact coverage? Is there a concept like - suspend coverage for a while that when we are not in the country and not pay for that duration? Thanks in advance.""

How much was your auto insurance at 18 year olds?

How much was your auto insurance at 18 year olds?

Can I get cheaper insurance while my vehicle is in storage?

I'm going to be out of the country for a while, and am putting my car in an auto storage place. But since I'm keeping it registered and leaving the plates on it, I have to maintain insurance. Do any insurance companies offer cheaper insurance or a special type of insurance that I can put on there, since I wont be driving the vehicle? This is because I'm deploying to Iraq, btw.""

volkswagen up insurance group

volkswagen up insurance group

CAR INSURANCE question?

Ive just been made a fiance manager at work and my car insurance has gone down in price ! Can anybody tell me what kind of jobs make your car insurance reduced in price and why ?

Is Circumcision covered by health insurance?

Hello i'm 17 years old and i live in Florida. And i'm probably going to get circumcised soon because i have phimosis. I'm wondering if health insurance covers it because i ...show more

""I need Health Insurance, had Gastric Bypass, On unemployment.... Help?""

I had Gastric Bypass in May of this year. I am on unemployment and wanted to pay out of pocket for insurance because I have had complications. I applied but was denied because of the surgery in the past. I have searched for a job and nothing. Ive been with my Boyfriend for the past 4 months, but his insurance says something about domestic partnership but only after 12 months of living together. How can I get around this, I need health insurance. Anyone else have the same issues? Let me know I am confused here.""

Life insurance for 18 year old?

My daughter will be 18 this year & she wants to know if she needs life insurance. She lives at home with us,is in 6th form at school (UK) & has no responsibilites like mortgage etc.She has a Saturday job so does work. It doesn't sound like she does, but my husband & I are not sure. Any advice? Thanks.""

Am I required to get health insurance!?

I am retired, I have health insurance thru my wife's employer. Can her employer require me to get insurance thru my retirement since it is available? It is not affordable, about $850 per month. Almost negates my entire monthly payment. it is not COBRA. What is the Ohio law about this?""

Somebody help me find cheap car insurance in uk...........?

i am 20 year old foreign student in uk from 2 years....i am about to buy some cheap car with 1 ltr engine which is worth of 1000. but the biggest problem is for the 700-800 worth car they are asking me to pay 5000 insurance........... some body please help me find the cheaper insurance... can you advise me on what basis insurance is counted like age... address so that i can figure out from where to buy insurance.... some extra information:: i don't have any NCB first car I have very new licence in full time education. can afford max 150 per month please guys suggest me some cheap insurance provider....

Car insurance?

My husband and I are planning on getting a new car and we're looking through auto-trader.com and finding a lot of good cars but is there a website you can go to to calculate how much the insurance of each car to help us narrow our decision down?

How much will insurance cost lower by taking online driver's ed in Florida?

I'm 18 years old and I live in Tallahassee, Florida. I used to have a 1996 Mazda Protege DX and it cost me $127.00 a month with Acceptance Insurance. I never have had a ticket or have been in a wreck. I see some people who have way newer cars than I do and insurance is way cheaper for them. How much will insurance, on average, lower a month if I plan on taking online driver's ed in the state of Florida?""

Auto insurance question in Michigan?

i am making monthly payments on a brand new 2008 colbot that i got in dec 2007. I have shopped around for cheaper full coverage auto insurance, that what i already have. I can't seem to find no car insurance cheaper than what i have. My car insurance is more than my car payment. I have talked to a few insurance companies and we went over different things that could make it cheaper. But, they can't beat the price that i already have. My credit isn't the best, but shouldn't a car payment be more than insurance? Anyone have any ideas where and how i could get a cheaper car insurance policy?""

Are the Smart Fortwo car's insurance cheaper?

it got good crash ratings and a cheap car.

How much is motorcycle insurance in Utah?

I am just wondering because I am 17, and I need to get to and back from work. Just give me a rough estimate please. That's all I need to know... Don't tell me to check with my family's insurance because it is too much work when I can just come on here and get an estimate to see if it is in my price range. Thanks ahead of time! I am planning on driving an old street legal dirt bike granted it isn't too pricey.""

How much auto insurance do you really need?

like do you need medical or pip, all that extra stuff?""

How would my insurance company know this if I don't tell them?

I am getting ready to buy a home (Already selected, move in will be next week) and I own a German Shepard. I am currently shopping for homeowners insurance, and I know that many companies will not insure you if you have an aggressive breed of dog, and the ones that do will give you higher rates because of it. So I was wondering, what reason do I have to tell them that I have an aggressive breed? When they come to inspect the home, my friend down the street can watch my dog for a few hours. If I were to just leave out the fact that I have an aggressive breed so my rates will stay low, how would the insurance company ever be the wiser? PS: This IS a repost. Last time I asked everyone said Well it's misrepresentation and if you have ever have to make a claim, then they can deny you because you lied about the dog. Yes I understand what the consequences would be, that wasn't the question. My question is HOW could they ever find out in the first place? If I have to make a claim for say, a fire, then I could have someone take my dog for a few hours again and make the claim without having any reason to mention the dog? So how would they ever know?""

How much would car insurance go up if...?

My family and I are just trying to get a ballpark idea of how much my sister's car insurance would go up if we made a claim on an accident she had. She was in a mall parking lot and pulled out to make a left turn. I think she didn't really see a car coming, but I also think the car was zipping around the lot at a too-fast speed. My sister got hit in her driver's door and needs a new door and the frame of the car needs pulled out. There are no witnesses to really show who's fault it is, and I think it's a little of both judging by how much damage there is on her car (the other driver had to be going fast). There is no damage on the other person's car. It costs about $1500 to get it fixed (just the bare minimum - a new door from a junkyard and fixing the frame, just to make it safe and sealed, there will still be some dents). We're debating on claiming it or not because there is a $500 deductible. She is 25 years old and hasn't had an accident before. How much do you think the insurance would go up and how long would it stay up? Would it be worth it to claim it or should she just pay cash for the damages? Thanks!""

Cheapest car insurance for female 37 on provisional?

Just bought a car Citroen c2 having real trouble getting insurance quotes under 600....HELP!!

To restart car insurance they want money down?

I was paying $140 a month for 6 months of car insurance. Around the 6 month mark or a little before i said i want to cancel and they said if i cancel today i wouldnt owe anything and my policy be good until 6-22-2011 (i called in may). I tried to restart the policy today and they want $290.04 down,which includes $143.68 for any previous balance and/or any state-mandated fees or charges* If there was a previous balance why did i not owe anything???""

Pass Plus lower insurance?

Ive passed my driving test and looking to get a car. The plan was to get a car and put my dad as the first named driver and add me on. From what ive found its around 2800+ which is a lot of money. My driving instructor says Pass Plus is a good idea for when you pass your test, will it lower my insurance? Or is it just a myth?""

""Got rear ended and no car insurance. will the at faults insurance contact me, or should i contact them?

i have no insurance. i got rear ended today and my car is trashed. will the guys insurance company contact me? should i go to the police station and get a copy of the drivers info and contact their insurance? i dont want medical comp. i just want my car fixed.

How much has your health insurance gone up since the affordable health care act was passed?

I just got notice mine went up by 33.5% last week. Why is my insurance getting less affordable instead of more affordable?

Cheapest auto insurance in Florida??

Just moved and need some ideas for shopping around for the cheapest auto insurance in Florida.

Where can I find a comparative listing for auto insurance rates?

Where can I find a comparative listing for auto insurance rates?

I gotta question with car insurance?

im 18 and buyin my moms car,will the insurance rates rise if she signs the car over to my name? or will it be that much of a difference? cuz i want it in my name but she says the cost will double automaticly just by changing the name of the owner from her to me. is she lying so that i keep it in her name?""

Do I need car insurance to rent a car?

If I have a valid license but do not have insurance, can I rent a car?""

Car insurance or is it?

My truck was broke into a couple of hours ago and my pistol was stolen. i called the insurance (farmers) and they said the gun isn't covered by car insurance, it's only covered by homeowners insurance, and no my truck was not at my house. does this sound right to anybody? i don't understand what full coverage means if they don't fully cover everything.""

Where to find a dental insurance/plan that provides full coverage(if not 100% something close)?

I am sick and tired of being robbed over and over by those dental offices...whatever my dental plan says it saves on me they always come up with something to make me pay as I am not insured at all! I am willing to pay more for and expensive dental plan/insurance that covers me 100% or very close from that(=> 80%) I just don't want to go through the price of each service I get from the dental office because its useless! ... and please don't post me links to those websites that collects my private information just to give me quotes! Only if you tried the insurance or know somebody tried it...I am looking for life experience not google search results! thank you very much :)

volkswagen up insurance group

volkswagen up insurance group

How can i get cheap insurance?

I'am going to be 17 soon and i going to buy a car so i was wondering what car should i buy or what shoul i do to get cheap insurance, because at the moment it's cost about 3.500 and that just too expensive... help please""

Where should I go for medical and financial aid?

I've lived w. my mother all my life and gradually she has gotten more and more unorganized leading to disgusting living conditions. I have always kept my room together and received good grades to move on and out of my mothers house. In 2008 during my first week of college , I was diagnosed with a disease called Lupus. I was removed from the Boston College campus and forced to take time off of school. Since this, my return to school has been an long and difficult process. I am now 20 cooping well with the disease and attending night school. I have very little income and I was denied SSI as well as state insurance. As I am in the process of reapplying I find it hard to remain in my mothers living conditions in that no matter how I keep my things separate I have still accumulated unsanitary conditions. I dont know where to go for help and I am afraid of the stress I am experiencing causing me another flare and long hospital visit. I live in Rhode Island and have tried the welfare and community health care route. The only success I receive is hospital health care and a few doctors who are willing to discount my mandatory visits. Sometimes I feel like the only thing that is keeping me health is my faith and religion. As my relationship with God grows stronger I also find my self stuck in my situation. I know I would do well living on my own and getting into a regular routine I would just need a small boost of medical and financial support through any means available in the area. Any suggestions will help :) God Bless.""

Where can I find affordable dental insurance?

I am 24 years old, full time student with no job. I am need of dental work ASAP. They are trying to charge me over $2,000 for extracting 4 wisdom teeth and i cannot afford it.""

Which is the best child insurance plan?

Which is the best child insurance plan?

Can I apply for Medicaid when im 18!?

So, im 18... and I live with my boyfriend right now. I would like to get on my own insurance so that I can have dental insurance and be able to afford braces. Is it possible to sign up for some sort of dental care that I could get on even if Im only 18?""

How much is insurance for a jeep wrangler?

ok, im 14 and im planning on buying a jeep wrangler in two years for my first car because i really like jeeps. but my dad says that insurance rates are high enough for jeeps already, but being a 16 year old guy would only make it worse. So i just want to know about how much it would cost a month to insure a jeep wrangler (not a newer model) with geico?""

How can I get my car insurance cheaper?

Hi am 31 and got 8 years no clams I drive a corsa vxr and am finding it hard to get it cheap

How Much Will My Car Insurance Payment Increase After An Accident?

I got into my first car accident today that was my fault I am 17 years old and I have full coverage on Geico insurance I was wondering on around how much will my payment increase after the accident? There was no damage on my car but the other persons car had a large dent on the right side of his front bumper.

Is Geico car insurance good or bad? What's your experience?

I've had Allstate for 11 years but now I need to cut costs and Geico is SO much cheaper than Allstate. The thing is, there's no local agent or office. Maybe that's why they're so cheap. Anyhow, I'd like to hear your experience with Geico, good or bad?""

Would the risk-neutral person ever buy insurance that was not fair?

If any one knows about this then please write in detail. thanks!

Average insurance?

Is there a place where i may find out the average insurance on some cars, particularly a Corvette.""

HELP PLEASE! CAR INSURANCE?

OKAY SO I LIVE IN FLORIDA COUNTRY AREA IN HILLSBOROUGH COUNTY AND I WAS WONDERING HOW MUCH WOULD CAR INSURANCE COST ON A 1989 BUICK LESABRE THE INSURANCE WILL BE PUT IN MY AUNTS NAME WHO IS A (SENIOR CITIZEN) AND HAS A CLEAN DRIVING RECORD AND RECEIVES SOCIAL SECURITY. ****ALSO DOES SHE HAVE TO PAY FOR THE INSURANCE AS SOON AS SHE PUTS IT ON THE CAR OR DOES SHE WAIT UNTIL THE NEXT MONTH? HELP PLEASE?

What insurances are affordable when persuing Gastric bypass surgery?

I am at the beginning of my journey to have gastric bypass. I am having trouble finding a insurance that is affordable and will cover the surgery, any and all suggestions are welcome. I also welcome any advice people can give as this is something that i have researched for 4 years.""

""Why is it cheaper to add another person to your car insurance, shouldn't it cost more?""

I am going to add my boyfriend to my car insurance and it is going to be cheaper, (not that I am complaining any) but wouldn't it make sense to charge more? So why is it cheaper to add another person to car insurance.""

""Insurance on parents car, learner?""

basically, i wish to start learning to drive and i personally would prefer to be put on my mums insurance (50 moth quote from her insurance people with me as a learner) as i want to be taught by my dad rather than an instructor (many with dad then instructor after a few months) my question is; if i crash the car, with me driving with L plates with my dad/mum in passenger could or would i effect their no claim bonus OR put their premiums up? they only have a small 1.2""

What is public liability insurance? where can i get one?

im applying for business permit and one of the requirement is public liability insurance.

What's the insurance costs on a 1989-95 nissan 240sx?

I'm sixteen & mostly going to end up getting this car & was wondering how much it would cost out of curiosity

Affordable Florida Group Health Insurance Question:?

Where's the best site on affordable florida group health insurance? I've looked everywhere. Sometime searching is just a pain. Anyone with some ideas or links to share? Thanks.

What is the car insurance deposit?

What is the deposit you make on your car insurance? I'm not 100% sure. Do you get it back? I'm in the UK.

Would it be cheaper insurance on a small van compared to a small car?

I am now older enough to drive, I have been looking at cars. And, I was just wondering if it would be cheaper when it comes to insurance if I buy a small van (http://www.wisebuyers.co.uk/vans/300/Ford/ford_escort_van_1.jpg), instead of buying a small car (http://4.bp.blogspot.com/-3oRG_dt7j3k/TkgXL5ZmbRI/AAAAAAAACDg/zQL9eZiCJ-w/s1600/fiesta-13.jpg)? Thanks, Chris :)""

Is Progressive really cheaper then the other insurances? i have allstate right now.?

Is Progressive really cheaper then the other insurances? i have allstate right now.?

What kind of insurance company do I go through to insure a rock show?

Setting up a concert through a venue and they require me to have insurance, in case something happens like someone gets hurt or the venue breaks apart. What kind of insurance am I supposed to go through? Who should I call?""

Cheapest Insurance 1994 Plymouth Sundance?

Anyone know how much is the insurance is? I live in Michigan and anyone know the best insurance companies? Thanks!

Which car insurance should i go with?

i've been with mercury insurance for many years now. but since i've never had to file a claim, i don't know how good they are. i got two lower quotes from esurance and response insurance. i don't know if i should switch. any experience feedback with your car insurance companies would be great.""

How much would insurance be for a 16 year old with a v8 truck?

I'm looking for a first car. I need to know the price of insurance for ford or Chevy truck with a v8 before I can go out and buy one

volkswagen up insurance group

volkswagen up insurance group

https://www.linkedin.com/pulse/how-get-lowest-car-insurance-quote-alfred-valenzuela/"

[silviajburke]

Jim Rickards: The Numbers Impacting the Fed

This post Jim Rickards: The Numbers Impacting the Fed appeared first on Daily Reckoning.

[Ed. Note: Jim Rickards’ latest New York Times bestseller, The Road to Ruin: The Global Elites’ Secret Plan for the Next Financial Crisis, is out now… Learn how to score your free copy here. This book transcends geopolitics and rhetoric from the Fed to prepare you for what areas in gold and markets you should be watching — now.] 

Jim Rickards joined Stephen Guilfoyle on The Street to discuss his latest take on the numbers that will move the Fed in through its decision making process.  During the conversation Jim Rickards and Mr. Guilfoyle, also known as “Sarge” on Wall Street, cover how the Federal Reserve will continue to push rates higher and potentially trigger a recession.

To begin the discussion Sarge prompted Rickards’ on his read regarding the trajectory of monetary policy in the United States. Rickards noted, “I see the Federal Reserve raising rates in June — the market is getting there, they’re not quite ready yet though. The Fed is on track to raise rates four times a year until 2019 in order to get the Federal funds rate at 3.25%. The expectation is rate hikes in March, June, September, December in a sequence until 2019.”

“There are only three reasons that the Fed might his a “pause button.” There are only three reasons they would do so. First, if job creation falls below 75 thousand per month, which is a pretty low hurdle. Second, if the stock market fell out of bed and I don’t mean 5%. If the Dow was to fall more than 2000% that would cause the Fed to pause. The third thing would be disinflation. Inflation is currently moving toward the Fed’s goal but if it started to move the over way [you could see the central bank take a pause]. If you don’t see those things then expect the Fed to raise four times a year.”

The bestselling author went on to note, “This has nothing to do with the business cycle. This is where I think Wall Street has got it wrong in assuming “you’re raising rates when the economy is strong, so the economy is strong” which has been true for seventy years – it’s not true now.  They’re raising rates into weakness.  The Fed has to get rates up so that they can cut them in the next recession. They skipped a cycle and now have to make up for lost time.”

Jim Rickards is an American economist and bestselling author who just released the paperback version of his book The Death of Money. Rickards’ is a currency wars expert who has advised the United States government on issues related to currency wars and international economics.

When asked whether the Fed could cause the next recession Rickards’ pressed, “They might.  That’s the finesse. Can you raise rates in order to prepare to cure the next recession, without causing the recession you’re trying to cure?  I think the answer is probably no.  For the first time ever the Fed is tightening into weakness.  Now the Fed is tightening for a completely different reason than the business cycle. They’re trying to make up for lost time.”

When asked whether the Federal Reserve is acting on partisan reasoning Rickards’ did not hold back in expressing, “I have recently written on just that where I noted – Donald Trump owns the Fed.  What I mean is he’s got three vacancies that he’ll be able to fill. There is a lone Republican on the Federal Reserve’s board with Jay Powell. He’s been alone ‘in the sandbox’ for years and he’s going to potentially three Republican replacements joining him to take up four seats. Janet Yellen [the chairman of the Federal Reserve] is up in January 2018.”

“While that will need Senate confirmation, expect President Trump to name her replacement by November – if not sooner. So that will allow for a fifth Republican on board. Then, Stanley Fischer term with end in June 2018. That will allow for six seats to be filled. At that point Lael Brainard will be the last remaining board member from a Democrat. No president has had that many vacant seats at one time since Woodrow Wilson… You’d have to go all the way back to the creation of the Fed in 1913 when Woodrow Wilson had a vacant board except for two automatically filled seats.”

“Trump owns the Fed. Whatever Trump wants, he’s going to get. The question is, what does Trump want? A lot of speculation is that he’ll want ‘easy money’ because he’s talking about a cheaper dollar. [Expect Trump] to put ‘hard money’ people on the board to not fight the currency wars but to fight the trade wars.”

The Street host then asked whether Rickards’ whether he expected practitioners rather than academics to be appointed? Rickards took the case to point saying, “I think there will be a mixture. The leading candidate right now to replace Janet Yellen is Kevin Warsh.  He was on the board before and there is no reason for him to go back on the board unless he’s going to be chairman.”

Rickards’ signals, “If he is seen being appointed to one of the vacancies, you know he’ll be the future chairman. That would make Yellen a lame-duck from day one.  I think we will see people appointed who will believe that interest rates should already be at 2%.”

If you’d like to catch the entire interview with Jim Rickards’ discussing the Fed and the rate hike — CLICK HERE.

Thanks for reading,

Craig Wilson, @craig_wilson7 for the Daily Reckoning

The post Jim Rickards: The Numbers Impacting the Fed appeared first on Daily Reckoning.

[vicostoness]

Make countertop installation easy with material overlays

It seems that major manufacturers and retailers are planning to help you eliminate your existing countertops and replace them with all new counters. There is no denying that using the materials overlay (such as a hard slab of granite, solid surface, or quartz) is a good solution to bring a new look to your kitchen. This method helps you save money and time significantly. What is the materials overlay? It is used to cover your current countertops. In simple terms, the materials overlay is the large, dry, thick, prefabricated sheet. It’s thick enough to where it sits on top of your current countertops. If you want to renovate your kitchen countertops without wasting effort to destroy it, this is a good choice for you. What the materials overlay is available? In fact, the materials overlay is varied. Each type has its own advantages. Depending on your needs and your budget, you can choose a coating material for your kitchen countertops. Engineered stone, quartz, natural granite, and concrete are popular materials overlay and are widely used. Concrete is not a big market for overlays, but there are many suppliers of concrete overlay today. Quartz countertops overlay is used by many people for the benefits that it brings In fact, quartz countertops overlay is used by many people Can you really install on your existing countertop with the materials overlay? You can do it easily and quickly. That is one of the attractive advantages of the materials overlay.  Of course, you can also remove your existing countertops and install a completely new countertop. However, it will take you a lot of time and money to do this.  What sizes do they come in? The fact of the matter is that they come in many sizes to make your choice comfortable. Depending on the size of your countertop, choose the most suitable mini-slab overlays. The use of mini-slab overlays is to completely cover your countertops and minimizing seams. Therefore, a typical overlay slab will measure out at 16" to 18" wide by 26" to 26.5" deep, with a thickness of 2". An 18" x 26" mini-slab works out to be 3.25 square feet and about 23 pounds. Do you have to do any cutting? You don't need to cut the stone if your countertop has a straight or L-shaped countertop configuration. However, around the sink and at the corner are the two most difficult points. As for your sink, you can buy sink tools of pre-cut stone, so that you only need to install the stone and set the sink in place with no cutting involved. As for the corner, you can approach by at least two ways. You can place two perpendicular plates and fill the square with a similar-sized slab. Or you can have two slabs that are cut at 45-degree angles and join at this cut. The second version means you have one less seam. What about edges? Normally, we all know that the front edge must be flat and polished. If you want an overhang that called apron, it's possible to purchase slabs with an apron attached, or you can purchase extra-deep slabs and cut off the back inch and reattach as an apron to the front. The missing rear inches filled with materials must be similar to mini-slab overlays. How can I minimize seams? Ot can hardly be denied that minimizing seams is very important. However, you need to make the seam minimize procedure correct. To remove seams or lippage when installing (lippage is a vertical difference between two plates), you should not use what is called "wild color". This is because the distinctive patterning on one side will not be matched on the other side of the seam. In addition, colors like dead black or other uniform colors will show seams. something like mint brown granite or other stone that has a consistent grain is a good way for minimizing seams Advantages of using materials overlay The first advantage of using mini-slab overlays is DIY-friendly. Slab overlays are specifically designed for the do-it-yourselfer. Newly engineered stone or slab counters are not DIY-friendly.  Moreover, this method help you save time and money in bringing a new look to your kitchen. In addition, You will not have to destroy your current countertops. Use them better than using tiles. Rather than 60 linear feet or greater of seams, as you would have with tiles 12" or smaller, you might have as little as 10 linear feet of seams for a 10' x 10' kitchen. Disadvantages of using mini-slab overlays Seam: there will be a few seams visible because you are not using large and continuous sheets. However, after a while, homeowners do not pay much attention because they are quite small. Shipping costs: This cost is difficult in purchasing the materials overlays. Therefore, you will need to order online and bear the shipping fee. Many companies that supply materials overlays charge a pretty high shipping fee. For example, the shipping fee for six 18 "x 21" small plates is worth $ 199 for only 149.70 dollars. However, when you increase your order by more than $ 600, you will get free shipping. Shipping cost is difficult in purchasing the materials overlays What's the cost? As mentioned above, using mini-slab overlay will save you significant costs. Overlays are purchased for each piece and the pieces run for about $ 50 to $ 100. The Overlay is less expensive than the usual stone or quartz countertops just because they yield to do-it-yourself installation. All in all, using the mini-slab overlay is a great choice to refurbish your kitchen Read the full article

[vicostoness]

Make countertop installation easy with material overlays

It seems that major manufacturers and retailers are planning to help you eliminate your existing countertops and replace them with all new counters. There is no denying that using the materials overlay (such as a hard slab of granite, solid surface, or quartz) is a good solution to bring a new look to your kitchen. This method helps you save money and time significantly. What is the materials overlay? It is used to cover your current countertops. In simple terms, the materials overlay is the large, dry, thick, prefabricated sheet. It’s thick enough to where it sits on top of your current countertops. If you want to renovate your kitchen countertops without wasting effort to destroy it, this is a good choice for you. What the materials overlay is available? In fact, the materials overlay is varied. Each type has its own advantages. Depending on your needs and your budget, you can choose a coating material for your kitchen countertops. Engineered stone, quartz, natural granite, and concrete are popular materials overlay and are widely used. Concrete is not a big market for overlays, but there are many suppliers of concrete overlay today. Quartz countertops overlay is used by many people for the benefits that it brings In fact, quartz countertops overlay is used by many people Can you really install on your existing countertop with the materials overlay? You can do it easily and quickly. That is one of the attractive advantages of the materials overlay.  Of course, you can also remove your existing countertops and install a completely new countertop. However, it will take you a lot of time and money to do this.  What sizes do they come in? The fact of the matter is that they come in many sizes to make your choice comfortable. Depending on the size of your countertop, choose the most suitable mini-slab overlays. The use of mini-slab overlays is to completely cover your countertops and minimizing seams. Therefore, a typical overlay slab will measure out at 16" to 18" wide by 26" to 26.5" deep, with a thickness of 2". An 18" x 26" mini-slab works out to be 3.25 square feet and about 23 pounds. Do you have to do any cutting? You don't need to cut the stone if your countertop has a straight or L-shaped countertop configuration. However, around the sink and at the corner are the two most difficult points. As for your sink, you can buy sink tools of pre-cut stone, so that you only need to install the stone and set the sink in place with no cutting involved. As for the corner, you can approach by at least two ways. You can place two perpendicular plates and fill the square with a similar-sized slab. Or you can have two slabs that are cut at 45-degree angles and join at this cut. The second version means you have one less seam. What about edges? Normally, we all know that the front edge must be flat and polished. If you want an overhang that called apron, it's possible to purchase slabs with an apron attached, or you can purchase extra-deep slabs and cut off the back inch and reattach as an apron to the front. The missing rear inches filled with materials must be similar to mini-slab overlays. How can I minimize seams? Ot can hardly be denied that minimizing seams is very important. However, you need to make the seam minimize procedure correct. To remove seams or lippage when installing (lippage is a vertical difference between two plates), you should not use what is called "wild color". This is because the distinctive patterning on one side will not be matched on the other side of the seam. In addition, colors like dead black or other uniform colors will show seams. something like mint brown granite or other stone that has a consistent grain is a good way for minimizing seams Advantages of using materials overlay The first advantage of using mini-slab overlays is DIY-friendly. Slab overlays are specifically designed for the do-it-yourselfer. Newly engineered stone or slab counters are not DIY-friendly.  Moreover, this method help you save time and money in bringing a new look to your kitchen. In addition, You will not have to destroy your current countertops. Use them better than using tiles. Rather than 60 linear feet or greater of seams, as you would have with tiles 12" or smaller, you might have as little as 10 linear feet of seams for a 10' x 10' kitchen. Disadvantages of using mini-slab overlays Seam: there will be a few seams visible because you are not using large and continuous sheets. However, after a while, homeowners do not pay much attention because they are quite small. Shipping costs: This cost is difficult in purchasing the materials overlays. Therefore, you will need to order online and bear the shipping fee. Many companies that supply materials overlays charge a pretty high shipping fee. For example, the shipping fee for six 18 "x 21" small plates is worth $ 199 for only 149.70 dollars. However, when you increase your order by more than $ 600, you will get free shipping. Shipping cost is difficult in purchasing the materials overlays What's the cost? As mentioned above, using mini-slab overlay will save you significant costs. Overlays are purchased for each piece and the pieces run for about $ 50 to $ 100. The Overlay is less expensive than the usual stone or quartz countertops just because they yield to do-it-yourself installation. All in all, using the mini-slab overlay is a great choice to refurbish your kitchen Read the full article

[vicostoness]

Make countertop installation easy with material overlays

It seems that major manufacturers and retailers are planning to help you eliminate your existing countertops and replace them with all new counters. There is no denying that using the materials overlay (such as a hard slab of granite, solid surface, or quartz) is a good solution to bring a new look to your kitchen. This method helps you save money and time significantly. What is the materials overlay? It is used to cover your current countertops. In simple terms, the materials overlay is the large, dry, thick, prefabricated sheet. It’s thick enough to where it sits on top of your current countertops. If you want to renovate your kitchen countertops without wasting effort to destroy it, this is a good choice for you. What the materials overlay is available? In fact, the materials overlay is varied. Each type has its own advantages. Depending on your needs and your budget, you can choose a coating material for your kitchen countertops. Engineered stone, quartz, natural granite, and concrete are popular materials overlay and are widely used. Concrete is not a big market for overlays, but there are many suppliers of concrete overlay today. Quartz countertops overlay is used by many people for the benefits that it brings In fact, quartz countertops overlay is used by many people Can you really install on your existing countertop with the materials overlay? You can do it easily and quickly. That is one of the attractive advantages of the materials overlay.  Of course, you can also remove your existing countertops and install a completely new countertop. However, it will take you a lot of time and money to do this.  What sizes do they come in? The fact of the matter is that they come in many sizes to make your choice comfortable. Depending on the size of your countertop, choose the most suitable mini-slab overlays. The use of mini-slab overlays is to completely cover your countertops and minimizing seams. Therefore, a typical overlay slab will measure out at 16" to 18" wide by 26" to 26.5" deep, with a thickness of 2". An 18" x 26" mini-slab works out to be 3.25 square feet and about 23 pounds. Do you have to do any cutting? You don't need to cut the stone if your countertop has a straight or L-shaped countertop configuration. However, around the sink and at the corner are the two most difficult points. As for your sink, you can buy sink tools of pre-cut stone, so that you only need to install the stone and set the sink in place with no cutting involved. As for the corner, you can approach by at least two ways. You can place two perpendicular plates and fill the square with a similar-sized slab. Or you can have two slabs that are cut at 45-degree angles and join at this cut. The second version means you have one less seam. What about edges? Normally, we all know that the front edge must be flat and polished. If you want an overhang that called apron, it's possible to purchase slabs with an apron attached, or you can purchase extra-deep slabs and cut off the back inch and reattach as an apron to the front. The missing rear inches filled with materials must be similar to mini-slab overlays. How can I minimize seams? Ot can hardly be denied that minimizing seams is very important. However, you need to make the seam minimize procedure correct. To remove seams or lippage when installing (lippage is a vertical difference between two plates), you should not use what is called "wild color". This is because the distinctive patterning on one side will not be matched on the other side of the seam. In addition, colors like dead black or other uniform colors will show seams. something like mint brown granite or other stone that has a consistent grain is a good way for minimizing seams Advantages of using materials overlay The first advantage of using mini-slab overlays is DIY-friendly. Slab overlays are specifically designed for the do-it-yourselfer. Newly engineered stone or slab counters are not DIY-friendly.  Moreover, this method help you save time and money in bringing a new look to your kitchen. In addition, You will not have to destroy your current countertops. Use them better than using tiles. Rather than 60 linear feet or greater of seams, as you would have with tiles 12" or smaller, you might have as little as 10 linear feet of seams for a 10' x 10' kitchen. Disadvantages of using mini-slab overlays Seam: there will be a few seams visible because you are not using large and continuous sheets. However, after a while, homeowners do not pay much attention because they are quite small. Shipping costs: This cost is difficult in purchasing the materials overlays. Therefore, you will need to order online and bear the shipping fee. Many companies that supply materials overlays charge a pretty high shipping fee. For example, the shipping fee for six 18 "x 21" small plates is worth $ 199 for only 149.70 dollars. However, when you increase your order by more than $ 600, you will get free shipping. Shipping cost is difficult in purchasing the materials overlays What's the cost? As mentioned above, using mini-slab overlay will save you significant costs. Overlays are purchased for each piece and the pieces run for about $ 50 to $ 100. The Overlay is less expensive than the usual stone or quartz countertops just because they yield to do-it-yourself installation. All in all, using the mini-slab overlay is a great choice to refurbish your kitchen" " Read the full article

[vicostoness]

Make countertop installation easy with material overlays

It seems that major manufacturers and retailers are planning to help you eliminate your existing countertops and replace them with all new counters. There is no denying that using the materials overlay (such as a hard slab of granite, solid surface, or quartz) is a good solution to bring a new look to your kitchen. This method helps you save money and time significantly. What is the materials overlay? It is used to cover your current countertops. In simple terms, the materials overlay is the large, dry, thick, prefabricated sheet. It’s thick enough to where it sits on top of your current countertops. If you want to renovate your kitchen countertops without wasting effort to destroy it, this is a good choice for you. What the materials overlay is available? In fact, the materials overlay is varied. Each type has its own advantages. Depending on your needs and your budget, you can choose a coating material for your kitchen countertops. Engineered stone, quartz, natural granite, and concrete are popular materials overlay and are widely used. Concrete is not a big market for overlays, but there are many suppliers of concrete overlay today. Quartz countertops overlay is used by many people for the benefits that it brings In fact, quartz countertops overlay is used by many people Can you really install on your existing countertop with the materials overlay? You can do it easily and quickly. That is one of the attractive advantages of the materials overlay.  Of course, you can also remove your existing countertops and install a completely new countertop. However, it will take you a lot of time and money to do this.  What sizes do they come in? The fact of the matter is that they come in many sizes to make your choice comfortable. Depending on the size of your countertop, choose the most suitable mini-slab overlays. The use of mini-slab overlays is to completely cover your countertops and minimizing seams. Therefore, a typical overlay slab will measure out at 16" to 18" wide by 26" to 26.5" deep, with a thickness of 2". An 18" x 26" mini-slab works out to be 3.25 square feet and about 23 pounds. Do you have to do any cutting? You don't need to cut the stone if your countertop has a straight or L-shaped countertop configuration. However, around the sink and at the corner are the two most difficult points. As for your sink, you can buy sink tools of pre-cut stone, so that you only need to install the stone and set the sink in place with no cutting involved. As for the corner, you can approach by at least two ways. You can place two perpendicular plates and fill the square with a similar-sized slab. Or you can have two slabs that are cut at 45-degree angles and join at this cut. The second version means you have one less seam. What about edges? Normally, we all know that the front edge must be flat and polished. If you want an overhang that called apron, it's possible to purchase slabs with an apron attached, or you can purchase extra-deep slabs and cut off the back inch and reattach as an apron to the front. The missing rear inches filled with materials must be similar to mini-slab overlays. How can I minimize seams? Ot can hardly be denied that minimizing seams is very important. However, you need to make the seam minimize procedure correct. To remove seams or lippage when installing (lippage is a vertical difference between two plates), you should not use what is called "wild color". This is because the distinctive patterning on one side will not be matched on the other side of the seam. In addition, colors like dead black or other uniform colors will show seams. something like mint brown granite or other stone that has a consistent grain is a good way for minimizing seams Advantages of using materials overlay The first advantage of using mini-slab overlays is DIY-friendly. Slab overlays are specifically designed for the do-it-yourselfer. Newly engineered stone or slab counters are not DIY-friendly.  Moreover, this method help you save time and money in bringing a new look to your kitchen. In addition, You will not have to destroy your current countertops. Use them better than using tiles. Rather than 60 linear feet or greater of seams, as you would have with tiles 12" or smaller, you might have as little as 10 linear feet of seams for a 10' x 10' kitchen. Disadvantages of using mini-slab overlays Seam: there will be a few seams visible because you are not using large and continuous sheets. However, after a while, homeowners do not pay much attention because they are quite small. Shipping costs: This cost is difficult in purchasing the materials overlays. Therefore, you will need to order online and bear the shipping fee. Many companies that supply materials overlays charge a pretty high shipping fee. For example, the shipping fee for six 18 "x 21" small plates is worth $ 199 for only 149.70 dollars. However, when you increase your order by more than $ 600, you will get free shipping. Shipping cost is difficult in purchasing the materials overlays What's the cost? As mentioned above, using mini-slab overlay will save you significant costs. Overlays are purchased for each piece and the pieces run for about $ 50 to $ 100. The Overlay is less expensive than the usual stone or quartz countertops just because they yield to do-it-yourself installation. All in all, using the mini-slab overlay is a great choice to refurbish your kitchen" " Read the full article