#I should really send in my dental bill next week
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jumbledthemes · 1 month ago
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Saying thank you to the tv commercial to renew your ny state of health coverage by TODAY
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dancing-cockroaches · 2 years ago
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A bitch finally snapped. I have two friggin jobs plus the jobs of every doctor I go to apparently. Apparently I'm the only competent human within a 500 mile radius.
Every doctor I go to, the office staff cant tell their ass from their elbow but I'm just gonna limit myself getting pissed to what has happened in the last month alone. I had a Neurology appt. They sent a referral for MRI. Simple enough, right? No. My MRI was cancelled day of because they didnt receive all necessary clinical forms from my neurologist. I call my neurologist. Apparently I have no followup. I have a card on my desk for Jan 10th but nope, when I called back they said "nope you dont have a follow up. We can schedule you for Jan 15th" ok sure whatever I'll take it. I get transferred to some other dept to get them to send the clinicals. I leave a voicemail. Call back the next day, "oh it looks like you dont have a follow up. We are all booked for January, we have Feb 15th". Now I'm more mad, but not like I can do jack shit about it. Nevada sucks. They tell me they're going to send over the clinicals.
Two weeks later, I call the radiology office. They still havent received it. I get the fax number and call my neurologist back. They say "they need the referral?" "No, they need clinical forms" "what do they need?" Now a bitch snapped. I was ready to rip the skin off my body. Nice bitch left the building "I dont know, why dont you call them? Why am I doing your job for you? Why is nobody coordinating a simple fucking referral correctly? Do you need me to come in and do your job for you? Is that where we're at? What forms do they need.. ain't that yall job to know?"
I was especially mad because my dentist pulled some tomfoolery as well. I got work done. Very expensive work. It took several months to do, I just assumed it was all billed at once. I dont know, I only worked in a dental office for like 2 months, it's not exactly my strength. It's not my job to do their job, I thought they had it handled. I go in today, and they say "we see you didnt have insurance for two of your visits. The delta dental didnt cover two of the claims so you'd receive a large bill if we dont get updated info" (my work had to be done in different visits, and I had to pay a large amount of money so I assumed that was all I had to do on my end. Stupid, I know). I pull up my phone to find my insurance info for Feb/March. As I was leaving, it started to hit me. What the fuck?? Everytime I've worked with billing or insurance verification, it is done before every visit or at least before a very expensive visit. When I was in billing I literally checked eligibility before any claims was sent, everytime. It takes 5 fuckin minutes to do, if you dont have hot air for a brain. How the shit does this go unchecked for 10 fucking months??? Why was I not contacted about this months ago?? Do I really need to micromanage every office I see a doctor at now since this shit just keeps happening all the fucking time?? Can I never think "they should have two brain cells left to be able to properly bill my visit without oversight" ever again??
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kdramachitchat · 4 years ago
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Hometown Cha Cha Cha episode 2 recap: Hye-jin tries to be more sincere to her new neighbors. Her clinic ended up being a success, thanks to Dusik. Looks like they met before in the past too.
The episode begins with a surrounding view of the ocean closing to night time. Then the morning comes with Hwa-Jung being busy with what looks like accounting matters. She then opens a folded paper that states her divorce mutual consent with her husband. Those are some of the moments she said that she regrets.
Another Gongjin resident Oh Chunjae is also going through his recorded tapes. Seems that he used to be a recording artist back at the 90s as he was reminiscing with his 2nd album casset demo. I wonder how he never made it. We were then shown with Dusik getting something out of closet, a black suit and he's looking at it pensively with a sigh. Minah finally opens her clinic but ended up sighing. Goes to show no matter what decisions you decided to take, you can never turn back the clock.
We go back to 2 weeks ago, Dusik enters the Chongho Scuba Diving shop with Hyejin in toe. They were checking out the possible office spaces. Dusik showed her a office space that has a nice view of the ocean. Hyejin though is not satisfied as she has requirements for her office, not just for a nice view. Despite not being satisfied she is running out of options. Dusik showed her a better option with a bigger space but the style is old fashion as its more ecofriendly. The interior isnt style. She wants a more antique european style. I dont think you could find that in Gongjin. Dusik offered her offwhite wallpaper isntead that is the simplest thing he could offer trhat's close to her taste. Hyejin is worried though in hoping that Dusik and Hwajung may end up scamming her because she's not from the countryside. Hwajung reassures her by saying that everyone knows the both of them. They could never scam anyone. She revealed her card and states that she's a zone chief. They show more proof and the office space that she just saw is the unit that Hwajung planned to save if ever she opens up her 2nd restaurant. Although, with the goodness of her heart she offered it to Hyejin because she thinks that the whole town needs a dental clinic and its much more valuable. Dusik tried to leave but Hyejin stops him by stepping on his foot.  They officially signed the contract as landlady and tenant. Hwajung then pays Dusik for 4 hours worth of work. Dusik ended up following her back. She owes him 17k won worth. Dusik offers services for renovating and shows her all his certified liscences. Hyejin ended up in shock and thinks he's weird. She's back in Seoul packing her things and showing her friend where she's moving.
Hyejin finally travels back to Gongjin looking content and satisfied while driving. The locals are curious as to who is moving in. Someone is moving into Ms Seo's house. The locals thought its a joke that she's a dentist although she really is one. She finally settles in and calls her parents updating them about her moving status. She even puts up her family portrtait. Dusik then visits her late at night to verify her registration. Dusik tells her the neighborhood rules and things she should know. Since Dusik was the one who set up the house, he sets up the door lock code too which ended up being his birthday. We now know that he's a year older than her and she accidentally calls him 'oppa' she instantly feels weird about it after Dusik asking if its a hint of affection. He says that he doesnt want any of it. She then asked him where the nearest coffee place is. In order to work she needs coffee to start her day and the only one nearby is the 4000won coffee stop, HAHAHA. She feels traumatized already and refuses to come back there. Dusik says let bygones be bygones as they're her new neighbors now, she has to get used to them despite the wrong introductories. She said she doesnt mind but the coffee is awful. The word has spread of a new dentist in town, the elderly talks about going for a visit. While running, Dusik finally renovated her dentist office and Hyejin complimented his work on a job well done. The villagers saw her running with the joggings but since they live in the village so long they do not know that its workout gear in the modern era. they ended up in shock. Hwajung stops by at Hyejin's to check up on her and is impressed by the renovation.
She then invites her to a party for the elderly the next day. Hyejin looks uncomfortable and tells her that she'll check her schedule, although Hwajung tells her to stop by even if she's busy. Its a way to introduce herself as a neighbor and to promote her clinic. Hyejin then sits with the elderly ladies, Gamri offers her bread wrapped with kimchi by the hand but Hyejin declines it, that's a wrong impression right away for someone who wants to promote her clinic. It comes off as rude. Hwajung comes to her aid and tells her if she needs any help to let her know because she rented 2 of her properties. Hyejin starts complaining about the minor details of her office space and Hwajung looks at her with a stunned expression. The rest of the village people started introducing themselves and offers help. They all stood up and she's left alone with the cafe owner Chunjae. He continues to promote his failed 1993 song to her as well as his life story on how he ended up in Gongjin. She starts to get annoyed and lose appetite and left. She starts complaining on how they're eating out in the open and its unsanitary. Being a dentist makes her become OC with the cleanliness but she doesn't have to be rude about the food either. The village people were trying to be nice to her. Dusik tells her she's fussy and picky. Tells her why cant she see the good things around her. Good point. Dusik trying to show her the good things about Gyongjin but she isnt listening to him.
The speaker ended up with a sound issue and Chunjae stopped singing. Hyejin was ended up exposed on loud speaker complaining that she should've stayed in Seoul. Uh oh. This is so embarassing. The mic at the office she's in is open. I'd be so embarassed to show my face infront of them after badmouthing them behind their backs. They may be annoying but dont be rude. Hyejin realized what happened quickly and Dusik was the most disappointed person in the room. Dusik defends her that she's just doing is ignorant blabbing, tells Chunjae not to take it seriously. She then decides to open applications for new employee recruitment for her clinci. She then receives a delivery from Dusik. Tells him that he does everything for the village. Dusik tells her that she thinks she knows everything just because she got good grades and has a good paying job. Just because she was able to get through the small bumbs she decides to act bigger than everybody else. Just because she freely judges the village people's lives but when its her life she's offended especially when she's being assessed. Dusik stating facts, life isnt fair for everybody. Dont judge on people's shortcomings just because you passed yours. Someone ran the doorbell and her best friend Miseon surprisingly visits her. It was revealed that her partner ended up cheating on her. Miseon tells her to take down the classified ad and offers herself to work for Hyejin. Her first day at the dentist finally started and nobody has visited. They're bored out of their minds, went out and tried to think of ways to promote the dentist. The village ended up ignoring her whenever she's trying to greet them. She deserves this and Miseon notices that everyone else is ignoring her.  Dusik observes her from afar looking worried and she finally tells Miseon what happened. Her friend immediately tells her to move out to avoid the red expenses and not to end up like her dad. Dusik then sees her jogging at night. Dusik advices her to at least meet with the village's expectations halfway. Be part of them. She needs to get acustomed and Dusik tells her that people make mistakes. She didnt know that the mic was turned on. He tells her not to worry as they all badmouth other people once in a while. He also tells her that since both sides are even she can move forward from this incident and start fresh. She then offers the rice cakes to the neighborhood as a way of apology. Not every delivery ended up smoothly. She ended up meeting the 2 kids from the last time. They asked for a favor to take care of their pet as they couldnt but Hyejin declined politely. She recommended Chief Hong but even Hong declined. She thought why would he ignore a child's request if he's acting high and mighty. The word has spread around even to children, they talk about how she's a cold-hearted person and this hurt Hyejin. She has no choice but to take care of the pet.
Dusik visits Chunjae and sees that he threw away his 2nd album demo casset. Dusik pays Hyejin a visit. Tells her off thinking that handing out rice cakes is enough for the village to forget about what she's done. She has to do more and be more sincere. Dusik offers his help and doesnt want her business to tank. She cant avoid them forever and Dusik invites her to a neighbor meeting. Hyejin tells him that they're all strangers and asks for support but Dusik sends her off and for her to do it alone with courage. Theyre still offended that Hyejin's standards are not met and they're surprised that she even attended. Dusik saves her by bringing snacks which were made by her. Dusik makes an excuse for her that she was edgy on moving and wants to apologize by preparing some food. The meeting is about a cleaning project they have to do and thanked Hyejin for her snacks. After the meeting Hyejin thanked him and is surprised that he ended up caring so much. Dusik gives her the bill with the snacks he bought and tells her to wire him the money. Hwajung shows up to her home and tells her to attend the weekly cleanup, she says that she just moved and as an excuse it was satisfying. But then Dusik ended up bothering her by his constant door knocking and bell ringing. She even faked her sickness but Dusik is not having it. He's acting like a strict father and forces her to join the cleaning.
A first visitor finally visited the clinic and its Euncheol. Then more visitors started coming in. Looks like a new leaf has turned. Euncheol reported back to Dusik about her treatment and the cost saying that its reasonable. Dusik visits Chunjae and tells him that his song has been imported digitally. Chunjae tells him that he shouldnt focus on the past anymore and move forward to the future. Chunjae asks for a favor from Dusik to teach him how to properly make coffee. We then see that the clinic is becoming more busy and it looks like its gearing towards sucess. They ended up with a satisfying and exhausting day. Although they suddenly thought how overnight their dentist clinic became a success and for sure Hyejin believes it's all thanks to Dusik. Hyejin bumps into Chunjae and tells him that the title track isnt her favorite but favors another and apologizes with his story. She asked where Chief Hong is and looks like his mood suddenly cheered up with her truthful compliment. Chunjae went back and listened to the track Hyejin liked. Hyejin gave him the confidence. She then finally has found Dusik sitting at the top of a small hill nearby the water.
Hyejin thanks Dusik for the many patients she received today. The ep ended up with her climbing the small rock hill but ended slipping and Dusik saved her from falling. A flashback of Dusik spending time with his grandfather. They spot a family and the father asked a favor to take a picture of them. Dusik tries to cheer up Hyejin and she ended up smiling for the photo. Is this why Dusik likes spending time with the elderly? Its because of the memories he has with his grandfather? They met before.
Du Sik is really Chief Hong. While everyone was shunning Hyejin and talking behind her back, he was the only one who became a leader and guide for her. He pointed out her mistake and encouraged her to do better, be more sincere to others.
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acuppellarp · 6 years ago
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Welcome (again) to A Cup-pella, Ace! We’re excited to have you and Santana Lopez in the game! Please go through the checklist to make sure you’re ready to go and send in your account within the next 24 hours.
OOC INFO
Name + pronouns: Ace+ She, Her, It Age: 32 Timezone: CST Ships: Santana/all the ladies Anti-Ships: Santana/forced
IC INFO
Full Name: Santana Gloriana Lopez Face Claim: Tessa Thompson Age/Birthday: 26 / December 21st Occupation: First year associate at Jones Day law firm Personality: ambitious, distrusting, loyal, guarded, passionate, competitive, blunt Hometown: Bronx, New York, New York
Bio: Santiago and Maribel Lopez knew they’d wanted children. They’d talked about it before and after marriage. What they also talked about was how they just couldn’t afford to give any child the life he or she deserved. It turned out, though that sometimes fate didn’t actually care what people could afford, go figure.
Santana Gloriana Lopez was born during a ridiculously warm day in the middle of winter. It was a freak occurrence, and Santana’s abuela liked to attribute that to the girl’s… attitude. As a young child Santana was scrappy and protective of her friends and family. Growing up near the Bronx River, a kid had to learn how to protect themselves, and to think on their toes. She was smart and she knew how to make her words strike a blow as damaging as any punch the bigger kids could throw. Santana quickly gained a reputation as someone not to be messed with, and she loved the way that small bit of power made people respect her. Fear apparently meant respect. That lesson was carried throughout Santana’s young life.
Both of Santana’s parents worked none stop just to make ends meet and put her father through Dental school, so she spent most of her childhood with her Abuela. The woman sparked her love of music. They’d spend their saturdays listening to bolero, merengue, salsa, jazz, soul and R&B music. Those days filled her up, and she held on to them when she was forced to Sunday Mass every week. Growing up in a very catholic household, most of the time felt stifling, though she took comfort in parts of it. Santana had a very strange relationship with religion, but she loved her abuela, so she sucked it up, with a lot of complaints.
School was a whole other world. A world Santana ruled with a devious smirk and an iron fist. The halls literally parted when she walked them, like the damn red sea. The classes always came easy to her so it was never a concern. Staying on top became her main focus. The right boys on her arm, right band aid dresses on her hot ass body, and finding the right minions, were the most important things. She didn’t know what it was like to have real friends, just followers. People either hated her, or wanted something from her, and that pissed her off most of the time, not like it wasn’t her own fault. Still, it added to the reasons for her walls. She couldn’t count on her parents, so why should it surprise her she couldn’t count on anyone else, well except her abuela.
Sex was just a tool. One that got her things from guys who luckily for them had something she wanted. Santana was excellent at it, of course, like she was at most things she tried, but it was never anything to write home about. She just didn’t get it. Not until Aisha. The choir nerd, who was decidedly one of the most beautiful things Santana had ever seen, heard Santana absentmindedly singing some old jazz song her abuela loved and made it her mission to get Santana in the choir. Now San wouldn’t admit this to anyone but the annoying persistence was really cute, so eventually she gave in. Santana would have said at the time it was because she liked a challenge and making the lame ass choir cool would definitely be a challenge. It obviously had nothing to do with the crush she was developing on the nerd, who also happened to be a girl.
The friendship became romance quickly and Santana was actually really into the secretiveness of it all for a while. Aisha, on the other hand was not okay with Santana’s double life. It made sense she didn’t want her girlfriend going out with the entire football team. They talked it out, and fought it out, then talked some more. It was decided. They were going to come out. It was fine because Santana was still a badass bitch and no one would step to her. But there was her Abuela. She had to be the first San told, because she was sure it would break her heart to hear it elsewhere.
The day Santana told her Abuela she was a lesbian was the day everything went to shit. Alma Lopez, officially had no granddaughter. That was what she’d said, and Santana’s heart shattered. And when she went to Aisha for comfort, the other girl confessed she chickened out, and that she thought they just needed to cool off for a bit. Everything sucked. If you think Santana was a bit of a bully before, well some might have called her the biggest bitch in the East after that.
She’d just gone back to her life of make believe, boys could never hurt her as bad as she’d been hurt. She’d go home and spend time in her room studying. She left the choir even though she actually loved it in the end. Santana reigned high school that way until she left for Columbia.
College changed her, a teeny bit. She met a couple people who she felt she could semi trust sort of, and that was nice. And while her heart stayed locked away she liked sex with woman, she was gay after all, so she had plenty. She joined the school choir just because it was fun and she enjoyed beating people out for solos. Now though, the most important thing was getting into law school. Santana loved her business law classes and she couldn’t wait to make it rain in the strip club with her corporate lawyer salary.
Now a first year associate at Jones Day law firm, Santana works a lot but makes time for her band, the few actual friends she’s managed to accumulate, and the casual hookup when the mood arises. Life’s alright.
Pets: Santana 100% ain’t got time for that
Relationships: [ Only for OC applicants and Canon/Semi-canon characters not currently part of the Masterlist. Both OCs and Canon/Semi-canons not currently on the Masterlist must fill a wanted connection. Please provide brief headcanons for possible roommates and/or groups. ]
EXTRA INFO
[ This is for the masterlist, but also a fun little way to get to know your character! ]
San Lo Esq./@couselor_snix/description: Luckily for you I left my whoop that ass days behind me. Now I’ll just sue you for wasting my very valuable billing hours.
Five latest tweets:
@couselor_snix: personal not professional twitter so I’ll hurt your feelings if you try and come for me here.
@couselor_snix: client lunch at Via Corota. I love Italian but especially when is on the firm, shot out to the write off lunches
@couselor_snix: Lavender lattes are that boujee shit I never knew I needed in my life. I’ll have another please.
@couselor_snix: @rollingwmyhomies Ariana, replace my spaghetti or roll for your life!
@couselor_snix: Third years are such dicks… I can’t wait to be one
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a couple questions and description..... my car was involved in an accident and deemed a total loss. I was curious on how much the insurance company may offer? the accident was not my fault. i would like to buy it back though and fix it. how much do they usually offer a totaled car back for? its a 1994 honda accord lx with 128500 on her. shes in good condition with a small 1/4 size spot of rust on the left rear fender. everything else is in working condition. its a dark blue/green color. A/C, cruise, good tires, new cd player/ am/ fm, new speakers, new timing belt, distributor and ignition switch. it has a 2.2 4cylinder, automatic. any help is appreciated. interior is very clean, and paint was good condition. thank you!""
Do you think teen drivers are the only ones with trouble getting cheap car insurance?
There was mature man who was very successful in business. I think he was 35 or 40. He finally got his new drivers license and decided to buy a $90,000 car. He bought it for cash, to save on interest on the loan. When he tried to get insurance it was $10,000 a year for liability and collision insurance. He asked if he could return the car, but since it was no longer 'brand new' he would loose $10,000. If he kept it the insurance would be $30,000 for the first 3 years! He kept it.... too bad he didn't know anything about insurance before he bought it! He should have had a cheap car in his name with just liability insurance, for 3 years before he went out and bought his dream car. This would have created insurance history . That together with his over 25 years old status would have cut insurance expenses way way, down.""
Right now Im on my parent's car insurance policy b/c im 17 but im looking to move out soon?
Can someone please tell me how much your car insurance goes up once you are on you own plan. im paying 360 every three months now.
Any affordable health insurance?
i am trying to look for health insurance right now and im trying to look for one thats good any suggestions?
Car insurance for 19 year old?
I currently drive a 2005 Mazda6 (4cyl, 140 hp sedan) and I am under my dads policy. I want to buy a 2008-09 VW GTI which is a 4cyl 200 hp turbo hatch, I want a 2 door, but will opt for the 5 door if it saves a good amount of money. How much more should I expect to pay for insurance with the GTI if on my dad's policy? Will it be cheaper to get my own? Also would waiting until I am 20 to buy the car save more money? I have never had a speeding ticket, I had one minor accident when I was 17, I have had a traffic violation last year, but I wasn't even the driver of the vehicle for the offense, also no points were added to my license for this as I did a traffic course and paid a fine instead. (florida)""
Is it typically cheaper to pay car insurance monthly ? semiannually? or annually?
Is it typically cheaper to pay car insurance monthly ? semiannually? or annually?
Which cars are cheap on insurance for a 20year old new driver? And which cars dont drink petrol fast?
I am doing an intense driving course, i would like advice and which cars aint too high on insurance and also which cars dont drink petrol fast as i know some do!""
What does an insurance broker do?
I know it is something to do with insurance, but that's all I know. What schooling do you need for this job and what is the general pay? What does a typical day usually look like for a broker? Do they work for a company or on their own?""
Will my motorcycle insurance really be 145 dollars a month?
i did a quote online at progressive just to get an idea of how much the insurance would be for a 2005 yzf r6. i am 18 years old had my motorcycles license for 2 years and have been riding smaller bikes for 2 years now the r6 i am looking at costs 6000 with very low miles and an aftermarket exhaust from a dealer and i will be making a 2200 trade in which will go towards the bike but the rest will have to be financed. i heard the online quote is wrong because i didn't use my social security number and is different from the real quote i should get. also the loan will most likely be under my parents name and if u know of what type of coverage i will need since it is financed ive been doing alot of studying but thought id ask on here. i live in wisconsin which isn't a very populated area which should also make a difference if u know anything or need to know anymore just ask thanks alot
List the 5 conditions that must be met by populations to insure stability (no evolution).?
List the 5 conditions that must be met by populations to insure stability (no evolution).?
What is the bare minimum for full coverage auto insurance?
I live in Idaho. I have not yet payed off the auto loan so I'm required to have full coverage insurance. According to some people I am paying too much (about 700 for 6 months), as they are paying far less. I have geico, but from time to time I look around and get quotes, and it is always slightly higher than what I have now. However, that might be because I am opting for coverage I might not need. So the question boils down to, what is the bare minimum requirements for full coverage auto insurance in Idaho?""
Should i be mad at my husband or his mother?
my husband gave his entire paycheck to his mother to pay her bills, She had a bunch of vet bills, her other sons (hes 30ish and has a job w/ insurance) medical bills, and a 1000.00 dollar tattoo, but couldnt pay her bills. our house payment was due and now i cant pay it cause he gave her all this money? also he chewed me out cause i started crying when he told me he did this. Help plese what should i do. p.s we have 3 small children that this could have helped out for food and stuff liek that.""
Is there a grace period for insurance in california on a new vehicle?
How long can you go without insurance after purchase of a new vehicle? I know it should be done immediately but I have other things going on right now and dont have time to get quotes currently. If there is no grace period I just wont drive until I get insurance.
Good car insurance companies for a low cost??
Good car insurance companies for a low cost??
Aetna student health insurance cover accutane?
Does anyone know whether Aetna STUDENT health insurance cover accutane? I don't know whether regular Aetna and Aetna Student are the same. also, for guys who have taken accutane, do we take the ipledge too? if so, how long do we have to wait before taking our first pill?""
Benefits of life insurance?
long term benefits of life insurance
Free term life insurance quote?
How do I get a term life insurance quote online?
""Why do i pay $400 a month for car insurance, is it cause its my first car?""
Why do i pay $400 a month for car insurance, is it cause its my first car?""
Is progressive auto insurance good?
Is progressive auto insurance good?
I got car insurance and it allows me to drive other peoples cars on my insurance?
if i were to buy another car, 2nd car will i be able to drive that without registering to any insruance company? i wont be selling my 1st car, it will still have the insruance, and the insruance it has allows me to drive other cars, but im not sure if the other cars also need insurance from a company""
""Car insurance, advice and help!?""
Im 16. Ive done a bit of research and it looks expensive, so im going to try to be put on my parents plan. I know it depends on their plan and everything, but im just looking for an approximation per month or per 6 months or per year. They have pretty good coverage if that helps, and my dads on geico and my moms on progressive i beleive. i live in miami if thats useful, and i will only use one car if that would make the insurance cheaper (its in their name). Any bit of advice to make it cheaper or any tips would be extremely appreciated. If i could get somewhere around 500 per 6 months that would be ideal. Thanks u guys""
How can you make insurance for your car cheaper?
Young driver and cannot find any reasonable insurance companies at all!
HELP!!! Car insurance - 10 month bonus accelerators and cheapest insurance companies?
Hi has anyone had any problems with a bonus 10 month accelerator policy when renewing??? also any ideas for the cheapest insurance companies especially when paying monthly and being a young driver (only 20)? thank you xxxxxxx
Direct line car insurance?
hi, does direct line car insurance allow there to be more than 2 drivers on the the one car insurance policy""
A car insurance question...?
So... I had a 1998 VW beetle that I traded in today for a 2003 VW beetle. I purchased this car in the state that I am currently in for college (MD). In order to purchase the car I had to get a MD tag. My old car is insured under Farm Bureau in NC. Can I transfer my old insurance to cover this car? I am not a Maryland resident, but NC resident. Any help/advise is greatly appreciated. My 98 beetle was in great shape, but the newer car had more additives like sunroof/less miles etc.... The difference was around $5000 that I am having to pay.. Because of the financing I had to get MD tag and such.. Thanks in advance for your help!""
Can I cancel car insurance before expiration date?
I got car insurance and paid a fee but the expiration date says it ends in one year, I paid for 1 month and now I need to get insurance from another company. Do I cancel the insurance I have now? if I dont will they charge me every month? Or should I just forget about it and let the ppl cancel me off.""
Maintaining car insurance for DMV (lawyers chime in)?
I have a bit of a tricky situation that I can't get a clear answer online. My question is I have misdemeanor on my driving record that is not yet 3 years old. I have moved out of the US for awhile but will be back and some point in the future. I have no use for my current car insurance and as I will be relying on public transportation for everything. For California DMV purposes, do I need to keep my insurance policy up or is it ok that I cancel my policy since I will be off US roads (all roads in general)? I have read a stipulation that requires 3 years uninterrupted SR-22 coverage or something of the like. I would like to get rid of this monthly charge that I'm getting nothing out of but my worry is that negatively impact my driving record at the DMV for not fulfilling insurance obligations. Thank you.""
Insurance estimate on a car?
So right now i have a 2010 nissan sentra SR and my insurance payment is 120$ a month. i have only used my insurance once, and that was comprehensive collision due to some terrible luck, but my cost did not go up. i want to get a 2008 nissan altima coupe 3.5. i am a 20 year old male, never had a ticket, no bad record or anything like that. would my insurance double if i was to make the switch or what would i be looking at? THanks!""
Insurance question?
has anyone been or is currently pregnant and without insurance? I see that it's possible to get individual insurance with a maternity package, has anyone applied for any of these? Does anyone have any experience in this situation?""
Second Owner of a Car = Insurance? (FL)?
This is for the state of Florida. Yes, I could have looked it up, but there are too many answers to get a straight one. Scenario: Say a parent owns a car. They pay insurance. There's an 18-year-old who still has their permit but wants to get a license. They should become a second owner of their parent's car. However, there's word going around that there would be a second insurance? 1) How will the second insurance work? 2) Do you LEGALLY HAVE to have insurance? I'm not sure what else to ask, but, if someone could shed some light on how this has to be done, just let me know. Thanks.""
Most affordable Health Insurance provider for my employees?
I am looking for an affordable Health Insurance Company for my employees. I have 7 employees w/families and no coverage to offer because the prices are outrageous. My compnay is Incorporated, if that factors in. I have already used the sales companies that do this research for me, but I am not satisfied with the results...plus they call every 2 seconds with high quotes.""
What's the cheapest full coverage Insurance?
I want to buy a car from carmart but I need full coverage insurance it's a 06 Chevy silverado...I'm 22 I've never been in a accident or had a ticket around what will insurance cost???
Re. Car insurance?
Anyone work in insurance buisness? I have 2 cars, my mobilty car and a smaller car. I origionally bought it for my wife as she doesnt like driving my mobility car as its too big. I was advised by insurers to keep car in my name, Using my insurance in my name with my wife as a named driver and my 18 year old son who as of yet cannot afford a car as he is attending college and only gets 30 a week EMA if he attends. My wife and I want to give him the car as a joint 18th and christmas present. Now I am stuck if I hand ownership to him and he is pressured into taking out his own policy, my insurance that I have built up over nearly 35 years will possibly be voided and if I need to insure another car in next 3 years after my mobility car is handed back, I may loose my max NCD. Can I legally keep car in my name also my insurance and make him a named main driver, my wife as second and me as third. I have life threatening illnesses and want to give my kids their own cars. cont'd""
""Any opinions on good home insurance companies in Anchorage, AK?""
Just shopping around for good home insurance. Currently have accepted offer for our first home, and want to get the best home insurance rates.""
Does one speeding ticket make your insurance go up?
i'm 16 and never had a ticket...i think it's state farm insurance.....i'm in california
Car insurance for temporary work in California?
I have a 4 months of temporary work in California and I am thinking of taking my car. My current car insurance will not cover driving for work purposes in California. What is the easiest way to get car insurance for 4 months for California?
Auto Insurance in 2 States?
Folks I am dealing with an issue that involves 3 cars 3 drivers ( my wife, my son and I) and 2 different states (my son away at college) the insurance companies are thiefs trying to stick it to me. Even though my son is at college more than 1250 miles away from home the insurance company still charge me for him, I bough him a car and since he is in another state my insurance premium is almost triple. Any ideas? remember 3 cars 3 drivers and 2 states my son at college with a new car. Will it be cheaper if he gets his own insurance? Help is needed and much appreciated""
How to get my stolen car's value back from insurance?
Hi, my car was stolen from a repair shop that I had left overnight for maintenace work. I say they are negligent for not securing the keys. I filed a claim through their insurance and through my insurance thinking mine would go after them and give me a fair price for what I payed, not the current market value. I heard about the arbitration. Any suggestions on steps I can take to recover more money? plus why should I pay the deductible? Shouldn't I receive money from both insurances? I also incurred other expenses, I had to spend money on notaries, lost time from work, gas money making all these trips for the investigators etc. Thank you very much for any advice.""
Should my car insurance company be forced to cover preexisting conditions?
After all, liberals want preexisting conditions be covered for health care. What's the difference? I want them to fix that dent in my front end that was there when I bought the car.""
Insurance for 250 Ninja?
I will be buying a new 2011 Kawasaki Ninja 250. I'm 18 yrs old. We will pay the bike in full..... How much will be my insurance on this bike? thanks
19 Y/O searching for health insurance advice?
I am 19 years old, I will be starting college in late August/early Sept. as a full time student at comm. college. I am not employed and my mother supports me. unfortanatly, she ...show more""
How can i get my car insurance quotes down?
i have just passed my driving test for a full license in the UK, i am 18, male and after looking at several different websites (some comparison ones and some direct ones) i have found that for what is considered a good first car (no more than a 1.2 engine) i am likely to be paying the minimum of 4000! and this is just for third party and theft. i am wondering if there is any way i can get this number down.. can anyone suggest a good insurance company or anything like the pass plus that will lower it by a reasonable amount? or even a specific car that is generally cheaper than others. any help would be appreciated!""
BEST HOME INSURANCE for a town house in allwntown Pa in the USA?
What would be a good home insurance for my town house in allentown PA.. i am looking for something good and affordable ANY IDEAS
Who has the cheapest auto insurance in California?
I have a second car that has been inop and I want to sell. I only need insurance for about a month.
Is progressive auto insurance good?
Is progressive auto insurance good?
How can I get a fair replacement cost by the auto insurance company when my car is totoaled?
my car is being paid off by the other person's insurance company, not mine.""
Trying to find cheap car insurance!! Help!!!?
Whats some cheap car insurance companies out there?? Not allstate, geico and etc..""
Question about medical insurance?
how can i find out whether or not my medical insurance is expired or not? i have medicaid and i was told i should receive a letter about the matter in the mail but i haven't yet.
The cheapest way to change insurance to a new car whilst keeping current car insured whilst i sell it?
Hi, I am 20 years old and I have just bought a new car. I am trying to find the best and cheapest way to change my current insurance ( with one years no claims) to my new car and then i need to insure my old car whilst I sell it. My current car insurance policy on my car runs out on 15th February 2013 and I have cancelled my renewal. I have received the renewal which is proof of my no claims which will be transferred to my new car. Another question is... can I claim the one years no claims on my new car whilst it still runs out for a week on my old car? I have looked at temporary insurance for my current car but this was almost 400 for 28 days?!?!? If insurance companies want me to do it the legal way, they are not making it very easy! Any advice on the best way around this would be great. I know it's confusing! Thanks, Adam White""
Help. I've missed two car insurance installments by accident and now they want me to pay the rest in full.?
I've stupidly missed two payments. Not on purpose. I'm pregnant and at college with exams and I'm due in March so my mind is trying to focus on revising, focus on saving money to buy baby things with (which we still need to buy most stuff). and focusing on bills etc. Anyway. How can I still be insured but avoid having to pay them the rest of the due fees for my contract term? An idea I had was to cancel it, and then start new insurance with another company? I would have to pay a new deposit and to cancel the old insurance I would have to pay some money as well. Any other ideas?""
What is the Best & cheapest insurance in Texas?
I drive a 1989 Toyota Camry, I just go to and from school (less than 2 miles away) i only drive the car like Mon. & Wed. and yet i have to pay like 150 for car insurance, in 6 months of paying, i pay what my car is worth. So i wanted to know is there any cheap insurance i dont care if they suck or anything like that, i just want something below 100 dlls. so please tell me which insurance you use and how much you pay a month that would really help. Thank you in advance -Angela""
Adding a teen to the insurance with past accidents?
I take my license test exactly one week from today. I have all the insurance papers that I needed from my driving school. do I wait until I get my license to get on the insurance or can I do it now so that I'll be on there for next week? also, when I had my permit, I had two minor parking lot accidents that my dad had to take the blame for. Now that I will be on the insurance can I tell them it was me so that I will pay for the increase directly to the insurance company or should I just pay him the difference of what it is now and what it used to be each month? because I know his driving record will follow him for life. thanks in advance!""
How does car insurance work? do u have to pay for it monthly?
i'm buying my first car and am confused as to how car insurance works. i know its better to have insurance before driving your car off the lot but how does insurance work? do you pay insurance monthly liek you do for a car note?
Insurance company wants to total my car/not insure it.?
So my dad rear ended someone really softly, but it was a truck that he rear ended with a hitch or something that damaged the grill and the bumper. Problem is, I put a total of $2700 to have transmission replaced and the engine repaired after the timing belt broke and caused damage over the last 2-3 months. It is a 2004 dodge neon and the body to these things are flimsy to begin with. I'm taking it in Monday to get it looked at better, but they said from what they could see it might be a total loss. Which means its only gonna be worth $2000. they said they have to replace the hood, the grill, and the bumper and other stuff which is **** because I know people who could fix these problems for less than $500. they aren't even visibly bad, a few dents in the places i mentioned but when i took it in they reacted like i had been in a head on collision going 50 mph. It runs perfectly, we wouldn't have even reported it except we were worried the guy might claim injury after the fact (which he did). What can I do? This is my only car, and I am already in debt from student loans. $2000 isn't gonna buy me a new car. How can I convince them not to total it when I take it in?""
How much will my auto insurance go up if I am at 100% fault?
I was in an accident recently where I was found to be at 100% fault - accident was not too bad-- other car's front bumper dent-- How much should I expect my insurance to go up?
Does a ticket make ur car insurance go up?
ok so im not going in to details about how this happened but basically i got a ticket for driving on the wrong side of the road. will that make my car insurance go up? im 16 if that makes any difference to it...but some telll me it will and some tell me it wont help???
2 door sports car insurance costs?
I've been seriously looking into purchasing a 06 Hyundai Tiburon or an 04 Nissan 350z. I'm 18, and everytime I mention it to my parents, they ALWAYS bring up the fact that we ...show more""
Report old ticket to insurance company?
I am looking to get new car insurance, and I had a failure to control ticket over 2 years ago, which means that it is no longer on my driving record in my state. When filling out insurance information, it asks me to report any violations in the last 5 years. If my ticket is not on my record, should I still report it to the insurance company?""
Can someone provide best independent health insurance i can buy thats affordable?
I have been chewing tabaco for about 8 years i am 26 years old my teeth havent rotted out yet, but i have a very tiny bump on my tonsils (which i think its just irritated) However to ...show more""
2000+ Toyota Celica Insurance and More?
I'm a 16 year old boy and expecting to buy this car for about $6,000 in August. I am looking for details such as mpg and insurance rates for a 16yo boy buying this car. I heard the mpg are really good on this car but will it be worth it if the insurance is high? Help me decide and give me other car ideas under the budget of $7,000 -Cory, CT""
How much is insurance on a 2008-11 Honda Accord Coupe Ex-l V6 for a teen?
I want this car for graduation and I want to know how much would insurance be? I live in a small town
With geico does insurance increase once your child gets a drivers permit?
With geico does insurance increase once your child gets a drivers permit?
What Car insurance should i get at 18 years old?
I am an 18 year old who is unemployed. I need car insurance that is cheap and is helpful. I need to know how much insurance is.
Car insurance?..........?
Who gives the cheapest car insurance?!
What is the cost for home insurance based on?
I am thinking of buying properties in other states to use as rental income. The properties are cheap so i can afford to pay cash the issue how ever is that the rent is also cheap in Update : Yes i know being a distant landlord is difficult so if it makes economic
""Car insurance decreases, when? 26 yrs old?""
I started driving when I was 22 years old, and never had an accident. Right now, I'm 26. I pay $116/month for insurance, which I think is kinda high. The vehicle I drive is a 2006 Hyundai Eantra. Car insurance is: Erie Insurance http://www.erieinsurance.com/""
My auto insurance covers anybody who drives my car...is my teen covered? I cannot afford to list him....?
Me and my teen have a car. I have both cars listed on my insurance with full coverage. If he is not covered is there an insurance company that will cover a driver of his age without ...show more
Can i get insurance then put modifacations on my car?
Hi i am getting a mk 2 golf and will be modding it out with rims tint lights and lowering suspension. If i get the insurance quote at 4grand and then put the mods on the car is it a year of cheap insurance or do i need to tell them i have altered the car? Thanks.
How much is Progressive auto insurance for one car?
I'm 18, almost 19 years old and I recently figured out that with American Family Insurance that my parents have for me, I'm actually paying like $40 more than everyone else in my family just because I'm a young male driver. I think that our current insurance company is total **** so I wanted to look up how much a different company would be (in this case progressive because it seems to be one of, if not the best insurance company out there). But I went to their website, and I couldn't find jack about how much car insurance would be with them. I saw stuff like discounts, information about bundling (or something like that), but not a goddamn thing about how much it would be to be insured by them. Am I just looking in the wrong place, or do they just not list their prices unless you talk to an insurance representative?""
""I got into an accident using another person's car, do I get the insurance?""
I was using my friend's car with his permission. Somehow I got into a small accident, which I hit my friends car while taking reverse in a petrol pump. Do my or my friend's insurance company cover the expenses?""
Is progressive auto insurance good?
Is progressive auto insurance good?
https://www.linkedin.com/pulse/home-insurance-i-buying-my-first-georgia-need-what-should-peterson/"
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paintedrecs · 8 years ago
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Rules - copy and paste this into a new text post, delete my answers and put in yours. when you’re done, tag up to 10 people!
I was tagged by @mad-madam-m
A - Age: Literally just asked my mom a couple days ago because I forgot. That’s what happens when you get to your 30s! My birthday’s next month, and I probably won’t do anything about it this year. B - Biggest fear: Never doing anything worthwhile with my life. More specifically, never getting all those books I want to write down on paper. When I Have Fears, by John Keats, has been my favorite poem since I was a teenager. I just...want to write things that matter to me, and to other people.  C - Current time: 1 PM D - Drink you had last: Tea and orange juice; I tapped away at this list while eating breakfast, then stopped for a while to read fic. I should probably rummage around for lunch soon... E - Every day starts with: Me lying in bed wondering if I really truly have to get up and if this day will be any better than the last. Then I drag myself out so I can drink a cup of tea. F - Favorite song: Hallelujah. I don’t really have a preferred version, but my first encounter was the Jeff Buckley one. I was a freshman in college; one of my suitemates brought in a boombox and wandered off as I listened to the song. It’s a sweet, melancholy memory that hasn’t faded one bit in all the years that’ve passed since. (In other words, once I truly love a thing, I pretty much love it forever.)  G - Ghosts, are they real: No. I don’t know what the afterlife is like, but I don’t believe in spirits hanging around after death, even if my apartment does make weirdly unidentifiable noises sometimes. H - Hometown: Born in Northern California, grew up in Central California, moved back to my birth area a few years after college. But I prefer the Steinbeck quote: I have lost all sense of home, having moved about so much. It means to me now - only that place where the books are kept. I - In love with: Books. Writing. A handful of fictional characters.  J - Jealous of: Published authors. Everyone who was able to go to AX this weekend. I was originally planning to go - until I quit my job and haven’t been able to find a new one and thus can’t afford anything. K - Killed someone: Uh. No. I still feel overwhelming guilt about the time ~20 years ago when I accidentally killed a lizard.  L - Last time you cried: A few days ago, while panicking about not having the money to pay rent this month. Although honestly, I’m feeling kinda down today. M - Middle name: Very weird, with too many vowels.  N - Number of siblings: Three older brothers. O - One wish: For the short term - to get a job that pays enough for me to keep paying my bills. For the long term - to have at least one book published. P - Person you last called/texted: Called - my mom? I don’t like talking on the phone, so it’s usually only her or job- or bill-related stuff. Texted - a friend of mine who lives in Canada, who sent a happy ‘merica day message. Q - Question you’re always asked: People very frequently stop me to ask for directions. I’m very approachable but very, very bad at giving directions.  R - Reason to smile: Dogs. Sterek fics. Books. Sheith merch. Chocolate. Jack Zimmermann. More books. S - Song last sang: I think something I made up when I was cleaning. I am a zillion and one percent not a singer, but I absently sing my thoughts out loud a lot of the time. Usually when I’m alone. Unless I forget I’m in public. T - Time you woke up: 5:30 AM, but I went back to sleep and woke up for reals around 9:30.  U - Underwear color: Currently green, but I need to take a shower, after which point, who knows?? Could be anything. Maybe foxes. V - Vacation destination: Favorite past one or one I wish I could do? I can’t afford anything for a while, so I’ll go with my three favorite trips that I’ve made as an adult. Cornwall (aka the setting of tide pulls), Montreal, Kaua’i. I loved all of them, but I’d go back to Hawaii first if I could. I just want to lounge by a pool with a pile of books and a mai tai or five. Although my birthday trip a couple years ago involved renting a house by the ocean and writing for a week, which was...amazing... W - Worst habit: I could call it procrastination, but it’s actually avoidance. I put things off for no good reason and end up getting mad at myself because of it way too often. Right now I’m avoiding: dishes, sending an email about my renter’s insurance, reading a script my brother sent me a month ago, cleaning the bathroom, getting groceries, making a dental appointment, putting away the laundry I washed yesterday, writing... X - Xrays you’ve had: Teeth (dental checkups, wisdom teeth), arm (broken - bicycle), foot (broken - ballet), chest (apparently fine but I was having worrying pains a few months ago). I think that’s it? Y - Your favorite food: My mom’s fajitas. But if you’re going with a generic category of food, probably pizza. I grew up thinking pizza was a choice between Dominos and Pizza Hut (Little Caesar’s sometimes, if you were in the right mood), and then I discovered that it can be so much more. I’d probably eat it every day of the week if I could. My very favorite pizza topping is asparagus and snap peas, although I like lots of different ones. Z - Zodiac sign: Leo. I fit aspects of it but not others. 
If you see this and wanna do it, consider yourself tagged!
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awellboiledicicle · 8 years ago
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So, weird dream
I had a dream that I got lost on the way home from somewhere and met someone who needed a ride home and i gave her one because it was raining and the road was washing out. She was shivering, so at one of the stop signs, even with the heat turned up and i was warm, i gave her my coat and my coffee because she was shaking. She thanked me and cried. I gave her my bandanna and she said thanks again.So i drive her out to this really remote house and the road looked like it was washing out to the point of a mudslide but she thanked me so much and when i asked if she needed an umbrella too because there was still a walk to the door she cried more and hugged me, and told me she was actually a magical being. Her hug was really damn cold and she didn’t specify what she was till she let go.
She wasn’t like a fairy or anything, which i asked because that was something that made me nervous-- i’m jewish not stupid, but i had been helpful so eh-- and she’d said no, just made of magic. 
But she’d appearantly been trying to get a ride home from town all night and not a single person had given her one, even though it was raining cats and dogs and Niagara falls. She explained she’d been showing up at intervals along the whole 200 mile stretch of highway and no one pulled over, offered her a coat or umbrella or anything. I was the first-- even if i had been really freaking twitchy because hitchhikers aren’t my thing. Honestly the only reason i’d done it is because it looked like she was going to get caught in a mudslide and die, and i couldn’t let that happen. 
And she was so happy with me, that she was going to give me a gift.  Now, in the dream and out i wasn’t sure if G-d had given our people a line about interacting with magical entities and/or if they fell under ‘shit G-d made that we just kinda had to roll with’ so i was just kinda listening politely. 
Thing was, she gave me a list of choices of what does your heart desire type things and, see, i’ve seen these movies. I have read those books. I know the asshole genie and mystical rules lawyer. The choices were:
More wealth than your wildest dreams, wealth beyond counting by any being in this world or the next as repayment for your selfless kindness paid upon total strangers, as you will use it well
The love and devotion and acceptance of all you see fit, as none should look upon someone as kind and generous as you with anything but love and joy in their heart
Immortality so that the fear you cast aside when you came to my aid will never darken your mind again, as someone as gentle and giving as you deserves the assurance of never coming to harm or the shadow of death darkening your travels
Now if you don’t know me, I have always been what you would call not a person to know what to do with these choices. And also not purposely rude. But somehow my response was like, along the lines of like “I don’t wanna live forever bc no. Mind control sounds like a shit move.” She looked amused i caught that. “and i don’t.. i don’t really need that much money, ma’am. Like $20 for fuel if you really feel like you need to pay me back or something, but i don’t really think its needed.” “C’mon, i’m trying to repay you! Besides, what kinda human doesn’t want unlimited money!” I just blinked at her.  “Do you know how fast the government would be on my ass. What would the taxes even be on a bank account of infinity. Is there interest. Do i open my wallet and money just flies out like a bazooka. Does it count as income and if so would i write in ‘paid from magical force’ and how do you file that. Is it just there.” She just kinda got blank faced and stared at me. “You’re thinking about this a lot aren’t you?” “Well, what would i even do with it anyway? I have a house. I have a car. Even if i upgraded my wifi or gaming things or something, ok. Buy shiny things? Ok still... lots of money. Pay off everyone in the country or the world’s student loan debt? Housing loans? Credit card bills? Outstanding debts? Donate to charities in such large amounts they don’t know what to do with it? Pay for people’s citizenship papers and tuition and housing?” “Well, yeah those are--” “No, you know why? Because the government would be on mine and everyone’s ass immediately wondering where all this money came from and why they didn’t have it wrapped tightly around their dick calling them daddy. I’d do it if it were possible, but it needs to be done in smaller amounts than infinity.” “That’s fair.” She sat back in the seat and crossed her arms. “I can’t not give you something though! Pick one.” “Ok, but we’re rewording it.”
Cut to like 6 months later
I was living in New Mexico and had this GIGANTIC mega store-bakery-housing complex-craft market thing that was staffed by over 400,000 people who had immigrated to the United states and i had over 5,000 lawyers constantly fighting the government and we had secure escorts for our workers and their families. Because I employed the people who were in the process of immigrating and those who had, and part of the benefits package that you got for learning a trade at my company was we would pay for healthcare/dental/maternity/paternity/100 sick days and the health care thing expanded to your family and if you wanted to bring your extended family to the US we had a program that you could pay into from you $19/h starting salary to help cover the cost of us helping get the process started. 
I and Vera [magic lady] had started this company and she continually was amazed that my reaction to negotiating down to 20 million dollars a day into my bank account was to do this and then set up various foundations and businesses that domino-ed to pay off college debts and send people to college. To buy homes sitting empty, fix them up and fill them with homeless families. To pay for medical treatments that are being denied to people that were unable to afford them. To feed the hungry and renovate homeless shelters and soup kitchens. To renovate and improve schools in inner city areas and make sure theres not mold and leaky pipes collapsing roofs. I recall there was a part where i rolled hard at local and national legislation on sex work because a law had come down to make it even more criminalized and for a while while the law was in effect, we handed out free condoms, dental dams, birth control, prep, and opened pharmacies in the stores with a nondisclosure polocy that got us in trouble and we poured a lot of money into a legal “fuck you” at the government till the law was repealed.  Every week the 20 million gets taken down to 0, and the profits from the businesses are distributed to all the workers and if the profits are too large for the higher ups, while the lower parts shrink, they get redistributed because the workers need to have money to live. 
Vera kept making noises because the most i’d do is use my pay to buy Judaica and occasionally rocks, and the workers would bring me food and then i’d bake way too many muffins in return. 
I was just patently against letting myself be greedy, partially because it was against my personal morals and beliefs and partially because people fucking needed jobs. 
Also, let me explain how it pissed off Dromled Prump.
Because Drombled Prump was really pissed off that my store continued to function when he talked shit, because he talked shit and his friends talked shit because we were basically paying to have a safe place that would fight immigration from being illegal fucking dicks to legal citizens and people who are literally doing what they need to do. Or who are here, working, and don’t need your shit today gringo, either buy a chair or fuck off. But appearantly what pissed him off more, is that we had better food than the shit he had at his places. And he’d been told this. So he showed up one day, presidential like, to make it all shameful on us that we were such a hovel that we couldn’t make it presentable for him.
AKA he was going to show up unexpected, somehow, with a whole motorcade. 
Well, that’s fine Draino, because we had a magic lady in a sleeveless flannel, cargo-shorts, and 0% amount of fucks about your plans. Also me. Only one of us can clean the whole store with a snap, and the other has an amazing ability to soak their voice in ‘shit eating grin’. 
So, he showed up we pretended to be civil and he wanted free samples from everything. EVERYTHING.  The man ate bread for about 4 hours. Then complained it was dry. So the restaurant brought him some food and he complained it wasn’t “authentic Mexican” because there wasn’t refried beans. The Restaurant was Peruvian.  I made him the beans. With 4 drops of dawn dish soap. Not enough to taste or make him sick, but it’ll make sure he does some thinkin’ later.
He insisted they were the best beans ever and pissed himself in the parking lot because there was a snake. In the south. 
Vera wanted to turn him into a pig but she commented he was already there.
That part woke me up.
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idekwidcfo · 5 years ago
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party time? a.k.a. “worse” version chapter 4
or maybe 3... I didn’t keep track very well... 
As I predicted, my dad was almost joyous at my request to go to a normal teenager parents-are-out-of-town party. He teased me, which I didn’t love, but he also gave me explicit permission to go and encouraged me to have fun. I hadn’t actually told him that my activities last night had been a date, but when he told me to bring a condom or dental dam or “whatever it is you people use” I felt it was better that he knew. 
“I’m actually going as a second date with this girl I like from school,” I told him, very pointedly not looking up from the homework I was pretending to do. 
I tried to stay focused on my math questions but as the seconds ticked past, his lack of a response became impossible to ignore. I found myself looking up from my homework despite the fact the only reason I had homework out was to give me an excuse not to look at him. He was just staring at me thoughtfully. The seconds continued to stretch out, long enough that I almost stopped feeling awkward. He finally nodded his head in obvious approval. “Good for you, kiddo. If you two are serious about things I’d like to meet her sometime.” 
I felt blood rush to my cheeks and wished that blushing wasn’t so obvious. “Oh, I don’t think that’s necessary, we just went out for the first time last night.” 
He got up and walked over to the fridge, grabbing a beer and cracking it. I tried to hold back my frown, but Christ, it was only about 10am. “You’re on two dates in two days? That sounds at least a little bit serious.” 
“Well, I’m not really even sure this counts as a date. We ran into a friend of hers at the show and he invited us. She said she’d go with or without me, but I figured you wouldn’t mind me getting out of the house.” 
He shrugged. “Well, if you take her on a third date I hope you’ll consider bringing her home. I’d give the two of you privacy if you wanted to hang out in your room and fool around.” 
I felt my face flush again. “Dad, that’s really not necessary.” 
“I know it’s not necessary but I also know teenagers are fucken horny and I’d rather have you foolin’ around downstairs where you’re safe and not gonna get a public indecency charge or banned from the local theater or whatever than have you goin’ out and doin’ it weird places and feelin’ like you can’t come talk to me if the condom breaks. Oh, I guess that wouldn’t be a problem for you, huh? Lucky kid-- no preggo scares for you! You’d still want to get tested for chlamydia and stuff, I suppose.” 
I wondered if my face would stay red permanently at this point. “Okay,” I conceded. “Thank you. I’ll talk to her about it and see if she is interested.” 
“That sounds good. Also, I know this is hypocritical coming from me, but make sure that after this party you’ve either got a place to crash or a ride home. I don’t need you taking after your old dad here and getting a DUI. Call me if nothin’ else, I’ll be good and drunk by then but better my experienced ass drives drunk than your inexperienced ass drives drunk and ends up wrapping you and this little lady around a tree and then you’re either dead or in the hospital with a bunch of medical bills and either way there goes my weekend.” 
I cracked a smile at his bad, dark joke, but I hated that he had just made such a good point such a stupid way. His grammar especially irked me. Sometimes it seemed like he was in a neverending competition with himself to see how long he could extend a run-on sentence. But he had a point that I hadn’t considered. I was not about to drive drunk. Ever. I hoped to die of old age having never driven drunk in my life. But I hadn’t thought about getting home. I had pretty much stopped planning at ‘go to party with Mar’. “Yeah, thanks,” I told him. “I’ll make sure we have that taken care of before we leave. In fact, I’m gonna go down to my room and message her about it now,” I said, excusing myself from the table. 
And I did just that. I logged onto AIM, hoping that Mar was online. To my relief, she was. 
Cows_IV: hey! Glad to catch you on. Got permission from my dad as expected but he brought up a good point of how do we get home? 
Mar didn’t respond for a bit, and I was worried that she was actually away from her keyboard despite her username showing up as “online now!” I opened MySpace and caught up on some of my other friends’ new photos and bulletins and whatnot, considering whether or not to also send her a text. Before I could make up my mind, however, I got a response on AIM. 
OHSHITITSMAR: hey! What do you mean? 
Cows_IV: I mean, like, I wanna drink and have a good time, but I don’t wnat to drink and drive. Do you know if we’ll be able to crash there? 
OHSHITITSMAR: oh! duh! You’ve never been to one of Derek’s parties! Yeah, he always has somewhere for people to crash. His dad has like a million couches for some reason. 
Cows_IV: oh cool! Perfect lol
Cows_IV: ummmmmmm 
Cows_IV: also my dad wants me to consider bringing you home so you can meet him. 
OHSHITITSMAR: ummmm ok. Why not lol 
Cows_IV: because he’s an alcoholic and will probably embarass me, but he did say we could have some privacy in my room. 
OHSHITITSMAR: well, privacy in your room sounds nice and I don’t mind alcoholics lol 
Cows_IV: cool lol so maybe like, next week you come over here after school? 
OHSHITITSMAR: well, I was kinda hoping you’d want to go to Electric Avenue again next Friday. They have a show nearly every week. 
Cows_IV: That works. We can come home and let my dad make us dinner, then go to the show afterwards. If that’s ok with you. 
OHSHITITSMAR: htat is okaby with me! 
Cows_IV: haha cool 
Cows_IV: I guess he sort of also brought up something else that I should figure out with you… 
Cows_IV: is this already our second date, or are we just two buds going to a party? 
OHSHITITSMAR: whatever you want. you need to be more assertive about what you want lol 
Oddly enough, or maybe not so oddly, that message stung. I knew that, of course I did, but it was hard. 
Luckily for me, it was easier to be brave from behind a keyboard. 
Cows_IV: noted. thanks. Constructive criticism. I can take it. 
Cows_IV: so on that note, if you’re counting tonight as a second date and we already have plans for a third date next Friday, I feel like one could argue that we are, in fact, date-ing, no? 
Cows_IV: so in conclusion, would you like to like oifficially like be my girlfriend or whatever? 
I typed the last sentence with my eyes closed and hit send before I could start to second-guess myself. I then immediately clicked back over to MySpace so that I would have something to do besides sitting there waiting for the “OHSHITITSMAR is typing…” notification to change to her response. Billie had posted a new photo of herself that was really flattering. I decided to write a detailed complimentary comment, mostly to take my mind off of waiting for Mar’s response. I was still working on it when my conversation with Mar started flashing, informing me that there was a new message. I took a deep breath and switched back to that window. 
OHSHITITSMAR: good for you! That’s what I call being assetive about what you want! I’d be down to officially be your girlfriend, athough i think i should let you know that part of me worries we’re jumping into things kinda fast? We just started actually talking like les than two weeks ago lol 
Cows_IV: I’m sorry but I have no idea what that means. So you will be my girlfriend but watch out we might be moving too fast? 
This time I just stayed in the window where our chat was and waited until “OHSHITITSMAR is typing…” turned into a message. 
OHSHITITSMAR: okay i see why that might not make a lot of sense. Sorry. So like, I like you, and I like haging out with you, but I feel like we’re still getting to know each other really. So like. If I don’t want to continue seeing you in a few weeks just cuz it like fizzles out and I realize I only like you as a friend I don’t really want it to be like a big serious thing. 
Well fuck that. I mean, I did kind of see where she was coming from, but fuck that. I wasn’t even sure what “that” I was addressing a “fuck” towards, but the short phrase summed up how I felt after reading her message. 
I couldn’t even begin to think of what I could or should say to that, so I decided to just wait for a bit. I finished up my comment on Billie’s new MySpace photo and posted it. I went upstairs to use the restroom and grab a pop. 
It didn’t help. What did someone say to that? It felt shitty. I guessed she was being like, careful or responsible or whatever, but it had hurt. 
The thing that hurt the most is that I knew I was absolutely crazy about her, and if she didn’t feel the same way, it was like… I didn’t know what it was like. I couldn’t think of a poignant enough simile or metaphor. The most accurate phrase to come to mind was simply, “incredibly disappointing”. I was also a bit angry. I had just asked her out! She had said yes! But instead of celebrating and congratulating myself, I was upset because she said she might not actually like me like that. 
I finally steeled myself for reading whether or not she had messaged me while I got myself a pop and emptied my bladder, and if so, what she had said. It turned out there were a few messages, and as I read them getting defensive clashed with feeling bad about having just left during a rather serious chat. 
OHSHITITSMAR: soooo you’re just not going to say anything to that? 
OHSHITITSMAR: look even if you just went to the bathrroom or something it’s kinda rude to just not say anything for five minutes after I said that. 
OHSHITITSMAR: are you gonna act mature and respond tyo me or are we just never gonna talk again now? 
OHSHITITSMAR: by the way in the fufute asking if someone wants to be your firlfriend “or whatever” isn’t a good move. the “or whatever” si so unnecessarily flippant. do you actually want me to be your fgirlfriend or is it just ‘whatever’?? 
I felt really shitty about myself. It won out over the defensiveness. She was right, I should have at least said, “okay”, or “give me time to think about how to respond”, or even “I’m gonna go to the bathroom and grab a pop brb.” I started typing something in another window, because I didn’t want her to see the “Cows_IV is typing…” message, but then she sent another message about me not saying anything. 
OHSHITITSMAR: you know it’s been ten minutes now since you’ve said anything? Can you please just respond to me? 
Cows_IV: sorry that was shitty of me, please hold for a better response. 
I continued to compose my better response in another window, even though it was obvious to Mar at this point that I had seen her messages. She didn’t say anything. I felt relieved that I was able to take my time on my response, but also disappointed that she didn’t have anything else to say. Finally, after editing it three or ten times, I was ready to send her the paragraph I had written. 
Cows_IV: It was immature of me to leave. I grabbed a pop and used the bathroom but I was also really disappointed and I didn’t know what to say, so I didn’t say anything. I totally admit that was shitty of me. I’m just kind of hurt, I guess. I really like you and it sounds like you’re saying you’re not actually sure if you like me. Also it was really dumb of me to say ‘or whatever’, I should have just been straightforward and asked if you’d like to be my girlfriend. I typed that and hit send as soon as possible so I couldn’t pussy out, but that’s not an excuse for me being so flippant while asking you to be my girlfriend. You were being honest with me, which I appreciate even if it hurt. I’d like to be your boyfriend and continue going on dates even if it does mean we break up in a month because you realize you don’t actually like me as more than a friend. I’m not going to lie and say that I won’t be hurt and upset if that happens, but I appreciate the headsup that it could. 
I copy and pasted the paragraph into our chat window and hit send. I felt a little better. Worrying over a response and landing on something that was both apologetic and understanding felt really mature. Feeling mature sure felt better than feeling defensive, upset, and angry. I zoned out for a bit, staring through the computer screen out into space, waiting for Mar to respond. I zoned back in when I distantly noticed there were more words for me to read. 
OHSHITITSMAR: ok, thanks for the apology. you drove me a little crazy just not saying anything for over ten minutes!! I do like you, I’m just worried I don’t really know you. How deep of a dive have we really gotten into with each other in only two weeks, you know? 
OHSHITITSMAR: And it goes both ways! 
OHSHITITSMAR: You might think you like me but you don’t really know me yet, and I’m like afriad that you won’tnlike me iuf you get to know me better so. 
OHSHITITSMAR: There’s tjat. 
OHSHITITSMAR: I guess I’m a little afraid. Of like. Getting close to someone. So. Thanks for being understanding and I am sorry if I did hurt your feelings. 
Cows_IV: glad we got through this pretty okay haha. Was it our first fight? Before we were even official? 
OHSHITITSMAR: no, it was our first fight after we became official, I said yes before we had that heavy convo lol. but people fight, I think it depends more on how they handle it than whterh or not they fight at all you know? And we did do good :) 
Cows_IV: yeah that’s a good point. So just to be clear, you are my girlfriend now? 
OHSHITITSMAR: yes, boyfriend, you and I are now a couple :) 
Cows_IV: wow! Lucky me :D 
OHSHITITSMAR: yes. But unlucky for you, I have to go grocery shopping since my mom’s too busy working one of her three jobs to do it. Whoo hoo being poor [eye rolling emoji]. I’ll see you here at 7 so you can take me to Derek’s party? 
Cows_IV: oh, that does suck. Are you walking there? I could come help you with my car. 
OHSHITITSMAR: hey now I don’t want to get sick of you. enjoy your Saturday afternoon and don’t worry about me or my grocery shopping. See you, what, at 6:52pm on the dot? 
Cows_IV: [laughing emoji] you’ve got me figured out. don’t hesitate to call me if you change your mind! I’m not doing anything but relaxing until I leave for your place at 6:39 on the dot :P 
OHSHITITSMAR: okay… I won’t but okay. See you at 6:52! 
OHSHITITSMAR is now offline. 
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andrewdburton · 5 years ago
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Stopping the motor of the world
“What a crazy day,” Kim said yesterday after she got home from work.
“Coronavirus?” I asked.
“Yeah,” she said. “My schedule fell apart, which I figured it would. But I did see three patients in the morning. All three were doctors. Obviously, they thought it was safe to see the dentist. A lot of others stayed home though. Staff too. Meanwhile, people are pissed.”
“What do you mean?” I asked.
“Well, it looks like our practice is going to have to shut down for a while. The Oregon Dental Association sent everyone a letter today that explained we're in high-risk professions. They recommended shutting down except for emergency procedures, except for cases that involve pain. So, our office is probably going to close for a while, and that means nobody's going to get paid.”
“That makes sense,” I said.
“It does,” Kim agreed, “but people aren't happy about it. Some of the people in the office need each paycheck. They can't pay their bills if they don't get paid. They think the dentist should keep paying them — out of his own pocket, if necessary.”
“Whoa!” I said.
“I know,” Kim said. “They don't understand that if we don't see patients, the practice doesn't make money. And if the practice doesn't make money, it can't pay employees. They just figure dentists are rich, so he should be able to pay us anyhow.”
Naturally, this will have a ripple effect.
Fewer people are going to the dentist (and the O.D.A. has recommended closing anyhow), so the practice isn't making money.
The practice isn't making money, so it can't pay employees.
Employees aren't being paid, so they can't buy things. Some can't even pay their bills.
And, of course, the businesses that rely on payment from the employees then lose revenue — and cannot pay their employees.
This morning in The New York Times, Neil Irwin calls this the one simple idea that explains why the economy is in great danger. “One person’s spending is another person’s income,” he writes. “That, in a single sentence, is what the $87 trillion global economy is.”
It's as if the global economy is a perpetual motion machine. It's a virtuous cycle. I buy from you. You buy from Jim. Jim buys from Jane. Jane buys from me. In a very real way, money makes the world go round.
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When money stops changing hands, the world stops spinning. Markets crash. People panic. It's as if we've stopped the motor of the world.
What If We Lose Our Incomes?
“What would we do if we both lost our incomes?” Kim asked last night as we were getting ready for bed. “What would we cut first?”
I thought about it for a moment. For the most part, we live a comfortable but frugal existence. Most of our indulgences are obvious. Many are annual expenses. I don't feel like there's a lot left to be cut from day-to-day life. Besides, I don't really have an income right now. Any revenue generated by this site (which isn't much at the moment) simply gets pumped back into the business.
“Nothing?” I said.
“Come on,” Kim said. “I'm serious. What would we cut? Restaurants?”
“Sure,” I said. “But we've already cut back on restaurant spending quite a bit this year. And now we won't be eating out for at least a month.” Yesterday, the governor of Oregon ordered that all restaurants and bars to close for the next four weeks.
“Seriously,” I said, “I think that if we had to cut costs, I'd start with our big annual purchases like Portland Timbers tickets. Or our Broadway shows.”
“Oh, I forgot about those,” Kim said. “Those are good cuts. Those are luxuries.”
“Yes they are,” I said. “So are the restaurants. So are our subscription TV services. Plus, don't forget that we're spending much less on alcohol this year. Alcohol is definitely something we could cut completely. That'd probably improve our quality of life rather than hurting it.”
As I was falling asleep, I got to thinking. If I were to cut expenses to bare bones, what would that look like? How bare bones is “bare bones”?
If needed, I know that I could live without a car. I'm perfectly capable of surviving with foot power alone. Sure, it's a long walk (or short bike ride) to the office, but it's doable. Groceries are absolutely walkable — about half an hour each direction.
If we cut our streaming services (or if we even cut internet completely), we have hundreds of movies and TV shows already downloaded. We have plenty of music. More than that, we have each other — and our aminals.
Plus, we own our home free and clear…and we have a lot of money in savings. (Although that savings has dropped by 30% in the past week!)
I don't know precisely what my “squeak by” number is. I spent $3212.24 in January this year (and something similar last month), but that included restaurant dining and some entertainment. I'm certain that I could get by on less than $2500 per month — possible less than $2000.
Cutting Back
Yesterday after work, Kim started her personal process of cutting back. She called to cancel her therapy appointment. She cancelled an upcoming massage. She and some girlfriends have a getaway weekend planned for the end of April; they haven't decided what to do about that. Today after work, she'll see if there are other things she can cut.
Kim and I are fortunate. We have cash reserves. Many Americans aren't in this position. They're in for a rough few weeks. Or months. Or years.
According to the Federal Reserve's annual Report on the Economic Well-Being of U.S. Households:
Seventeen percent of adults are not able to pay all of their current month’s bills in full. Another 12 percent of adults would be unable to pay their current month’s bills if they also had an unexpected $400 expense that they had to pay.
What happens to these folks when the economy grinds to a halt? If you're not able to meet your obligations when the economy is booming, what will you do when there's no economic engine to speak of?
Yesterday, for the first time, my Facebook feed contained posts from people worried about how they're going to make ends meet. Meanwhile, I'm concerned for friends who aren't taking this seriously.
When you post photos of how you're out partying with a large group until two in the morning, you scare me. It's great that you're not afraid of the coronavirus — so brave! /s — but you're not just putting your own health at risk. You're putting the health of others at risk. And more relevant to this blog, you're putting your financial livelihood at risk.
Look into the future. Forget about the health factor for a moment. Focus only on finances. If things stop for a month or two or three, can you get by? Forget about whether this situation is rational or if it's panic. Accept it as the reality we are going to face, regardless whether you think it's a justified response. Based on what you see, does it make any sense at all to continue spending as if everything is normal?
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Back to Basics
The next few weeks (and months) are going to be rough. Financially, we (as a society) aren't prepared for the world to stop spinning. We don't have a contingency plan for when everything comes to a halt.
Sure, many individuals are prepared. I'm willing to wager that most GRS readers have substantial emergency savings, for instance, and that many of us have built lifestyles that don't cost much to maintain.
But we, as a group, aren't typical. We're not normal.
More typical is my good friend who quit her job in January. Because she reads GRS, she's built some savings (and invests for retirement). But she quit without having another job lined up. Then she took a vacation to Mexico. All of this sounded fine (and fun) at the time, but now I worry for her.
Her plan was to look for work when she got home. Now she's home, but what work is she going to find? How long will her savings last? How long til she has to dip into that retirement account to pay her bills?
Then there are Kim's co-workers. Some are desperate because they cannot miss a single paycheck. Doing so will send them into a personal financial crisis.
I have high hopes that the coronavirus situation will make it very clear to Americans just how important it is to be prepared for problems. In normal life, it's easy to put off saving, especially if you're young and healthy. “It won't happen to me,” people think, and they buy big homes and new cars and upgrade their smartphones. Most of the time, it doesn't happen to them, so they're able to skate by. Whew!
But when the entire world stops spinning? When everyone takes a hit at once? Well, that's trouble. You can't say, “It won't happen to me” when it's happening to everybody at the same time.
Only time will tell the lasting impact of this crisis on the world economy — and your personal economy. I think one thing is certain. When this all blows over, a lot of folks will want (and need) to get back to basics. If you're one of these, here are a few articles from the GRS archives that you might find useful.
How to budget — a pain-free guide to building a budget that works.
How to get out of debt (without gimmicks or games).
How and why you should start an emergency fund.
The best online savings accounts (at the moment).
For now, I hope that you and your family are doing well. Remember to get your coronavirus info from reliable medical sources (such as the Centers for Disease Control and Prevention or the World Health Organization). Don't trust what you read on Facebook, even if you believe the advice is well-meaning. Most of all, keep an eye on your friends and neighbors. Let's practice caremongering rather than scaremongering!
from Finance https://www.getrichslowly.org/motor-of-the-world/ via http://www.rssmix.com/
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kpsoa97xs-blog · 6 years ago
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6gpymfzi-blog · 6 years ago
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What is the insurance expense on average per month to insurance an auto repair shop?
What is the insurance expense on average per month to insurance an auto repair shop?
I m trying to find information on approximately how much insurance costs for an auto repair shop. Specifically this shop will have one full time mechanic and one customer service representative. Two people, basically how much will it cost to insure (per month) this small auto repair business. The minimum liability required by law and between $25,000-50,000 to cover theft/fire/flood/etc.
BEST ANSWER: Try this site where you can compare free quotes :insurancehqreview.xyz
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qkantyjk-blog · 6 years ago
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x4f0wrcg-blog · 6 years ago
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Does anyone know of affordable family health insurance?
Does anyone know of affordable family health insurance?
Does anyone know of affordable family health insurance?
BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ
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