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jonathanraychapman · 4 years ago

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Using Qin Shi Huang Effectively

This is just a quick discussion about how to use Qin Shi Huang in battles and what I think of him. I’ve played through about 50 battles with him using various combinations of servants and I wanted to show my notes on using him. I’m waiting on the Fous next month to give him another +1000 ATK/HP so please excuse that. I am also working to 10/10/10 his skills as events come out. Still, I’ve been able to experience the best team comps even with the emperor not as his best.

First of all, I see a lot of people talking about solo’ing with him. I don’t think this is really the best idea since he’s just not speedy in achieving victory alone (i.e. with full support, I’ve seen him crit for 150-200K damage with just one buster card). When you’re just fighting normal quests you’re not on any real clock and so the fact he’s a ruler (i.e. half-damage) with healing skills really helps in those cases and it seems like he’s almost overpowered. And I’m sure that yes you can take certain challenge quests with him alone on the field (baring berserkers with break bars or something). But I don’t really think that’s the right use for the emperor and the battles will take forever. FGO is a team battle system and you should use your team. And when you’re doing real challenge quests with servants firing off NP’s every other turn due to charge skills that invincibility every other turn might not be the greatest thing.

I’ve tried treating the emperor as a stall servant and just wasn’t satisfied. It’s not different than soloing. The battles take forever and it’s not feasible to win real challenge quests where you’re put on a clock. I’ve also tried using him as an arts servant (using MLB Azure Magical Girl for the 30% NP generation and MLB Prisma Cosmos for 10% charge every turn) - focusing on NP charge and firing his NP as often as possible - and that wasn’t the greatest idea either. The problem with that plan is that you want all three front-line servants hitting their arts cards in these teams. And this dilutes the emperor’s own effectiveness. You want to use those two buster cards and even the quick and if you’re playing arts then you’re not doing that. You’re using two cards out of 5 so it really slows down the DPS and sort of dilutes the whole plan with his NP (and in the end I’m not looking for chip damage). The arts strategy really works where your DP has an arts NP that deals the real damage. That’s just not the emperor.

His kit isn’t greedy (like Jeanne Alter), but it also doesn’t really make sense to treat him as a semi-support when he’s capable of being a boss-killer. Focus on Qin and he’ll win the day quite easily. Like Jeanne Alter, he really wants to crit and naturally he wants stars to do so. His NP really focuses this fact by giving him attack and star absorb. He’s a ruler and gets a natural 1.1x damage multiplier as well as a base 100 star absorb. He may seem weak due to the massive amount of HP on him over ATK but it works out to make him more balanced in combat (although I believe a 2000 ATK CE is a must). He’s really a power-house and you don’t need to worry about protecting him. Feed him attack buffs and stars and follow the ebb and flow of the battle (basically when his cards come up). That’s the true nature of using Qin effectively.

Stars are the first thing to discuss, so let’s talk about 2030 (a CE that gives 10 stars every turn and 2000 HP). Qin doesn’t need 50 stars every turn with his star weight and he doesn’t need additional HP (really at all). So a three MLB 2030 CE setup is really consistent (trading 2000 attack on the CE for 10 more stars), but isn’t really optimal. With the emperor, if you don’t hit at least 30 stars then you drop the chances of crits on turns when his NP effect isn’t up. You really need to crit every time with the attacks to either maximize his NP charge, damage, or stars. So for this reason, Talk of the Hot Sands is just a really good fit with Qin’s kit. MLB’ed, it gives 600% star absorb (extremely useful with his 100 base star weight), 2000 attack (which remember gets boosted over and over through NP and skills so it’s really good to get that base higher), and a 25% critical damage boost.

And you can further make sure the stars go to the emperor by pairing him with casters (who already have half his star weight at 50). Just to show an optimal team, I added Waver and Merlin here and let me tell you why. Merlin’s kit really fits well with the emperor (I mean really really well). His first skills gives NP and attack and the third skill gives a massive buster and critical boost (and the HP boost - which is sort of wasted). So you can charge Qin into a NP on the turns where you don’t get the buster cards (often getting two of his NP effect’s durations to overlap) and then on the next turn or two be attacking for NP-level damage on each of those cards. Waver is similar (and in fact can be switched out for many other casters - like Helena). But - like Merlin - he offers Qin critical damage and attack boost as well as NP charge. The reason I like Waver here is that he can keep Merlin’s NP level boosted as well so that he can fire his NP - which further helps Qin by creating more stars and NP generation (almost all of which go to the emperor).

This team works very well and gives you the strategy of knowing when to build up and when to let loose and be able to pick targets by card order and the first target. Of course, there’s another option here - using Summer BB’s Moon skill to lock the cards for three turns (which seems amazing on paper assuming you have three of Qin’s cards up). While I love that this skill also provides stars (to ensure the emperor’s attacks crit), it seems a little less effective than the Merlin/Waver setup because BB here is really a semi-support with an amazing third skill and so you’re either ignoring her cards to favor the emperor’s or using that skill to make sure her cards don’t come up. Summer BB can really be a DPS all on her own and that’s where she shines. By replacing Waver or some other caster, you’re leaving too many good boosts and NP charge skills behind. It’s good and fun to play with, but just not optimal as far as damage output. Also she has some star weight of her own for what that might matter.

Some more-budget-minded ideas here (not that it’s really my focus) are using Hans Christian Andersen and Helena. Hans has skills to generate stars, his own NP charge and boost critical damage. Also his NP boosts attack when it goes off (as well as boosting Qin’s NP in a chain). It’s a pretty good fit and he’s cheap to field as a one-star servant. Helena also has a skill to generate stars and a party-wide NP gain skill. Both work well holding 2030′s (which help them survive) and both won’t pull stars away from the emperor. But both are less effective than Waver/Merlin (of course since these are the best of the best supports). If you’re at the point that you’ve got the 2030′s then you might not care about the budget options as much.

Tamamo also seems solid, but Qin isn’t a loop servant and so - while the Arts up skill is great - it’s not super effective (although she can definitely work if you just want to use her). At least her quick attack card has great stars and of course her NP is amazing with Qin’s skillset. Sherlock seems like a good fit on paper too since his NP gives ignore defense and critical boost, but it also isn’t effective and it’s hard to keep NP’ing with him in this setup since you’re not going full arts or using the detective as the DPS (same problem with Summer BB really).

As far as Mystic code suits, I really prefer Mage's Association Uniform because of the 20% charge boost and the reshuffle ability. The healing is sort of wasted I admit. Chaldea Combat Uniform would be good if you need to swap characters for some challenge quest. Anniversary Blonde seems pretty solid with the buster boost and star skills, but since Qin isn’t necessarily going to go all in on a one-turn kill, those might not matter as much. Arctic Region Chaldea Uniform is similar, but offers evasion like with Mystic Code: Chaldea. Atlas Academy Uniform offers some good utility for challenges as well with the Invulnerability.

Well that’s it. Emperor Qin is an amazing servant, but he needs a little help. He’s really is a team player and - if you set him up right - you’ll get back amazing results. This isn’t just the typical case of making a flawed servant useful. Qin isn’t flawed and by what you’re doing here is focusing or channeling your support skills into someone that will add their own magnification as well. There’s a lot of synergy here and sustained DPS damage that’s hard to find outside of NP loop teams.

#fgo #Fate Grand Order #qin shi huang

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sjphotosphere · 7 years ago

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(Super-Saving For An Early Retirement, Part 2: Lessons Learned) [Editor’s Note: This is a lengthy guest post written by a long-time physician reader and his physician wife who wish to remain anonymous. We have no financial relationship.] In August 2015, WCI published my guest post, Super Saving For An Early Retirement. When I first contacted the godfather of physician personal finance with my idea for that post, my motivation was to give something back to him and the blog community from which I’ve taken so much. For a “fluff piece” without much number-crunching meat, it seemed to strike a chord among readers as judged by the amount of interaction in the comments section. It wasn’t a death-metal power-chord like when WCI takes whole life insurance salesmen to task, but it was a chord nonetheless. In any case, the post-guest post outcome was unexpected: I gained way more than I gave. I intended to show unsophisticated investors (like me) that a high savings rate can compensate for lack of knowledge; you don’t have to understand that much about the financial industry to do a credible job of preparing for early retirement. What I didn’t anticipate was the impact that your (WCI’s minions’) collective wisdom in the comments section would have on me. While there were plenty of comments about the topic of super-saving, readers also took the conversation in surprising directions that forced me to ask, “What the heck am I doing with my life?” Lessons Learned With that preamble, the lessons I have learned: #1 Change Your Job Now If you spend much of each day in low-level burnout, fantasizing about giving Admin the middle-finger salute while walking out the door for the last time, perhaps you should change something now. My wife (also a physician, remember) and I were so laser-focused on an imaginary finish-line that we had come to accept the “suck” as part of our lives, as if we had no power to control it. As we learned to endure the suck, it continued to fuel our desire to leave it all behind. Sure, it seems obvious that disliking your job will be a powerful motivator for achieving early retirement. But when the onset of burnout is insidious, you don’t necessarily have an “a-ha” moment in which perspective is gained and the path to improving your current situation becomes clear. However, when one WCI commenter after another hammers away at your sense of powerlessness, suggesting that you can make changes, it helps jump start the process of introspection. PsychMD was one of the first commenters to point out how I might work on my happiness now: “If I was in such a position, I’d tap into that young, naive, idealistic person I was before I started medical school, and try to make those dreams a reality…so I could have more of those rewarding moments.” Then John hit me broadside with: “I am way behind you in terms of retirement but I can tell you I feel so much richer than you because I love coming to work everyday. I mean it is work sometimes but I love it.” He followed that up with a highly applicable anecdote: “I have a friend who was 41 when he looked at his portfolio and saw he had enough, so he reduced his patient time in half and started helping the hospital with the business/leadership side of things. He took a big pay cut but he slowed down and gets a lot out of his new job.” This unleashed a torrent of similar comments that really resonated with me. Thinking about making some changes yourself? The Happy Philosopher has an entertaining, insightful blog dedicated to his journey in this realm. #2: Pulling The Trigger Is Complicated One of the frequent suggestions in the comments on my last post was to cut back my hours at work. With our accumulated assets, that would appear to be a no-brainer, right? Um, not so much. First, we had been obsessing for years over the concept of reaching the “finish line.” I used to play regularly with different online retirement calculators, getting a little endorphin rush every time one calculator’s projections for a successful, even earlier retirement (portfolio lasts 50+ years) were verified by another. Cutting back at work would mean either extending our careers or decreasing our projected yearly spend in retirement. Let’s start with extending our careers. My wife was not, and still isn’t, burned out to the same extent as I. Nonetheless, she is quite looking forward to the day when she can pack it all in. To her, medicine is a job; her identity is not wrapped up in being a doctor. Most days, she doesn’t mind her job too much, but she would never say she loves it (although she does love getting paid a lot for what she considers a relatively easy specialty). If asked the age-old question of “What would you do if you won the lottery tomorrow?” she’d probably say, “Quit my job.” Platinum Level Scholarship Sponsor Now, my turn. The idea of extending my career was tough to wrap my mind around, because it was hard to imagine the job getting that much better after cutting back. My brain just couldn’t seem to process that working less might have a profound impact on my perception of work-life, and that I might appreciate greater career longevity. Which is funny, in retrospect, because my identity is wrapped up in being a physician, and I view medicine somewhere on the spectrum between “calling” and “job,” but closer to calling. So wouldn’t I derive more personal satisfaction from continuing to be engaged in my calling for a longer period of time, if I could make the job more enjoyable? Not only that, but there’s the practical consideration of a kid who has nine more years until graduation from high school, so it’s not like we have the option of taking off for parts unknown for more than 1-2 weeks at a time during the school year. If I’m going to be in town, then it would be lovely to fulfill my mission of helping people while being well-compensated and happier. Next, I’ll address the idea of decreasing our projected yearly spend in retirement. Total nonstarter. As I’ve said before, we were fairly frugal for a very long time, – living like medical students for years – not upgrading to living like residents until several years after completion of our fellowships. For us, an important component of retirement will be reaping the benefit of all that saving done early in our careers, and this will lead to spending a bunch of money. Just like WCI has inflated his lifestyle to include a killer wakeboat and what seems like q.o.week canyoneering/mountaineering/camping excursions, we have become accustomed to frequent vacations at beautiful VRBO rental homes in exotic locales. Although we do much of our own cooking on vacation, we also enjoy dining out at (sometimes) expensive restaurants. In retirement, we expect to travel even more frequently and for longer periods of time. While some of this will surely involve camping, which we love, I would guess that 80% of our yearly travel won’t include sleeping under the stars or staying at hostels. For the past two years, our per-year spend has been just over 100k. Figuring in extra spending for more travel plus taxes, we’d like to have 150-200k/year in retirement. Physician on FIRE, who projects needing 1/3 that amount, just had a heart attack, folks. Does anyone in the room know CPR? #3: Luck Is Not A Strategy Around the time I was ruminating over some of these issues, a buyout of our group practice started to morph from a possibility into a reality. By late 2015, we were presented with an offer that, if consummated, would result in a high six-figure payout to each partner. As my wife and I were both partners, this was very good news. After months of mental constipation, I started to lay the groundwork for cutting back at work. Astute readers may argue that I hadn’t internalized any valuable lesson, seeing how it took the prospect of a massive infusion of cash (that we arguably didn’t need to achieve our goals) to mobilize my cutback effort. I agree that I’d have a more credible claim to enlightenment if I had taken concrete steps prior to the buyout news. I like to think that I would have eventually gotten to the same place without the buyout, but I admit the possibility I wouldn’t have. Hopefully, my thought process about cutting back and my experience with it since implementation will resonate with others on the fence, motivating you to take action more expeditiously. So luck is not a strategy, but it can motivate you to make the changes you should have made anyway. #4: Cutting Back Changed My Life…And Ticked Off My Wife Him: I’ll attempt to present this as balanced of a way as I can, ceding editorial power to my better half so you can rest assured that both sides of the story are told fairly. To put this in context, yes, the buyout deal happened, leading to obliteration of our outstanding student loan and mortgage debt, as well as a very large infusion of cash into our investment portfolio. I had identified my greatest pain point at work, which was the last few hours of each day. Not only was I mentally drained by that point, but after work I had a long drive to get our child and get home. We would often beat my wife home, so I would start cooking dinner as well. The cumulative effect of doing this for years was wearing on me, and it got worse when my daughter was districted to a school that was even farther away. After negotiating with my bosses, I was able to shave off the last couple of hours of office time each day. This addressed the mental exhaustion issue and allowed me to get out with enough time to pick my daughter up from our local bus stop, which is just a few minutes drive from home. I felt the effects of this change immediately. It was light outside when I got off work. I no longer felt beat up by the end of my day. Though I’ve always been good at making time for exercise, I could now exercise and do more stuff with my kid – it wasn’t one or the other. We enrolled our daughter in more after-school activities, to which I could now drive her and watch. On hot days over the summer, we might go stand-up paddle boarding in the late afternoon. I would cook a nutritious meal which would be on the table the moment my wife walked in the door. Homework was done. Kid was happy. Dad was happy. Everything is awesome! #Winning, right? Gold Level Scholarship Sponsor Wrong. After a few months of this new schedule, I started to sense a subtle hostility emanating off my wife. It wasn’t really overt, and I had no clue what was wrong, but I was certainly feeling under-valued and under-appreciated. In my clumsy, male way, I began to lobby for an “Atta boy!” from my wife, hoping that if I pointed out how great it was that I was taking care of our kid and home, she’d show me the love to which I’d become accustomed. Not only didn’t that have the intended effect, but it led to our first “come to Jesus talk” about our new situation. It turns out that I had completely misjudged the depth of my wife’s feelings about this next phase of our lives. Our marriage had always been 50-50 in just about every way, splitting almost all responsibilities down the middle. This wasn’t really a conscious choice; rather, it just kind of evolved that way. While I was aware of this balance, my wife expected this balance. I had naively assumed that picking up child and household duties would more than cover for her spending more time than me at the office. Apparently I was wrong. But the next part is what really shocked me. She was so jealous of my new schedule that, not only did she resent it, she felt that if anyone in this relationship should be enjoying a semi-retired lifestyle, it should be her! Her: I’m not sure why this really “shocked” my husband. I was the one who always wanted to be a Mom (ask him if he even wanted children before I forced the issue!). I was the one who felt like medicine is merely a paycheck, not a “calling.” So of course I was bitter that he was the one to cut his hours, not me! Some of the hostility was also fueled by times when I came home from a long day of work, saw the two of them looking all happy and relaxed, and then realizing after dinner that I still had to help with my daughter’s homework. Hey, if you’re going to cut your hours at work, then at least compensate by taking care of home-life! (To be fair, he has been doing a better job of this since we had our talk.) Him: It pains me to say that, for the first time, I felt like a better person than my wife (if you knew her, you’d probably assume that she’s nicer and more evolved than I – it’s ok, everyone else does). If our situations were reversed and she had cut back at work, I knew that I would be unconditionally happy for her. After discussing this with a couple of my male friends, I was convinced that on the scale of rightness, I scored at least 99%. Then I discussed this with a couple of my female friends (both married doctors) and I gained some perspective. While acknowledging that it’s not totally rational, my female friends counseled me that they don’t really want to feel like they’re doing the lion’s share of “bringing home the bacon.” Without wading too deep into old gender-role stereotypes, they could see how my wife wanted to feel taken care of by her man, in a more traditional sense. Her: This is true. When both of us worked full-time, I was making 25-30% more, which never really bothered me. But then he cut his hours, and that number went up another 5-10%. While his current salary is nothing to sneeze at, I view it as a big hit to our income. Him: I still thought this was a little crazy – despite understanding my wife a bit better – given the facts. One: the hit to my income was small in the grand scheme of things, as my hours weren’t cut as much as I had hoped. Two: we had just received a bolus of cash that had advanced our timeline to early retirement by several years. Three: we had previously discussed her cutting back at work and she had declined. Number three led to further emotionally charged discussions, in which she now stated that the only way she could manage her jealousy was to finally cut back her schedule, so we’d be “even.” I urged her to do so, as it was clear that the health of our relationship required it. Plus, we were on track to practically retire at-will, regardless of whether her salary was 10%, 20%, or even 50% less. Well, time has passed and she hasn’t made any changes to her schedule. She seems to have accepted our current situation for what it is, and she’s now batting around the idea of retiring at the end of her contract with our new parent company, in two years. But, if she’s still not that burned out, she may continue working, full or part time. Why the change of heart? Various reasons. She’s not that burned out. It’s logistically difficult to cut back in her department. Fear of “getting off the train” and not being able to get back on, should circumstances require it. Wanting to feel like she pushed hard to the end so she can feel good about quitting cold turkey while I continue to work. Anyway, her jealousy is currently manageable and the marriage is solid. Her: One more reason: fear of not having enough money in retirement, despite what he tells me. #5: Working Less Makes me a Better Person (adsbygoogle = window.adsbygoogle || []).push(); Working less has made me a more engaged physician, a better father/husband, and a more introspective person. Jeff left an inspirational comment on my original guest post that turned out to be unbelievably prescient, as it sums up almost exactly what’s happened in my life: “…let’s focus on the beauty of working part time…You get to live a better lifestyle TODAY…Work 3 days a week, or shorter hours, or see less patients. Take less call. Think of what you could do with that time! …Whatever you want!!! You’d have time to make dinner, maybe not every night but much more than you do now. Likely you would find work to be less offensive and perhaps you rediscover that enjoyable, rewarding aspect again…life is too tragically short to be overly conservative. Don’t keep putting off your happiness just so you can “guarantee” you’ll have enough in retirement. Lots of adjustments can be made along the way if needed. Start to enjoy the freedoms you’ve definitely earned TODAY!” I touched on some of this earlier, but it goes deeper than just having more time at the end of the day. The downstream effects on my psyche from having this time have been myriad. I am happier to sit and chat with my patients, as I no longer feel like I have to ration my listening-energy to make it last all day. My fellow introverts know what I’m talking about – prolonged interpersonal engagement saps us of all available energy and empathy. Things that used to rile me up at work still bother me, but usually not to the same extent. I wouldn’t exactly say that I’m zen about all the nonsense in my organization, but I’m learning how to approach it more constructively. One thing about this new life that has surprised me is my focus on self-improvement. Many years ago, before I had a real job and a family, I remember being philosophical and way more introspective. For at least the last decade, I’ve just been busy. I’ve gotten really, really good at checking stuff off my to-do list. Unfortunately, the stuff that made it to my list was just what had to get done for daily life. The rest of me has been on autopilot for a long time. What would happen if you did almost no routine maintenance on your car for ten years? Maybe a Toyota would still seem to be running pretty well, but once you looked under the hood, you’d find some parts were about to break. I’m that Toyota. How I’ve gone about working on myself and changing the things I don’t like would take at least one more blog post, and I’m not sure anyone but me would be interested. Suffice it to say that, if you’re looking for personal improvement inspiration, I highly recommend subscribing to and combing through the archives of Tim Ferriss’ podcast and listening to whatever catches your eye. The collective wisdom there is brain-expanding and cannot be overstated. If you’re like my wife, however, and you just can’t sit through a 2-hour interview for a mere few brilliant nuggets, pick up a copy of his latest book, Tools of Titans, which is a high-yield compilation of all the tactics, routines, and habits of world-class performers. #6 Controlling Lifestyle Inflation Requires Constant Vigilance Sure, we have enough assets to retire whenever we’re ready. But not if our next ten years of spending follow the trajectory of the last ten, in which we’ve roughly doubled our yearly spend. There have been many great posts about this issue in the financial blogosphere, so I’ll simply share what I’ve found to be useful for reining it in. I now practice gratitude on a regular basis – a simple tool that helps me appreciate everything in my life. It also helps me couch things in terms of “I get to do this,” as opposed to “I have to do this.” I know it may sound like mental jiu-jitsu, but it does help shift perspective. The corollary to this is learning to want what you already have. When evaluating a potential purchase or other outlay of money, if I find myself saying, “We can afford it,” I pause and reflect. As WCI likes to say, high-income physicians can have anything they want, but not everything they want. I was shopping for a new jacket the other day and found two choices at the mall: a leather one for $250 ($500 before my 50% off Banana Republic coupon) or a faux-leather one for less than half that. They looked equally nice, and I’m not enough of a leather connoisseur to feel the difference. Call me a troglodyte, but I bought the fake one. #7 Other Things I Can Do With My Life (adsbygoogle = window.adsbygoogle || []).push(); Having more time has allowed me to think about other things I can do with my life. Until I came up for air, I hadn’t thought much about what I’d do with the luxury of time. Now I’m working on launching a blog (in a genre unrelated to personal finance) of all things. If it turns into something substantial, I’ll monetize it. The point is, I never would have had the inspiration nor bandwidth prior to creating more time in my schedule. I have always enjoyed teaching, but having residents rotate through my private practice is challenging because productivity is valued over education. I’ve hosted them anyway, but it’s exhausting to give them a great experience while still churning through patients and closing charts. With a shorter day, I handle it much better, which has reinvigorated my love of teaching. In early retirement, I can see myself volunteering to staff the fellows’ clinic at our local academic institution. I took on a couple of malpractice cases as an expert witness this year and learned that I have an aptitude for it. I enjoyed working with the attorneys and teaching them, simultaneously feeling good about aiding in the defense of doctors who didn’t deserve to be sued. Oh, and the money was awesome. If I can leave you with one message, it is: don’t keep waiting for tomorrow to change your life – do it now. What do you think? Have you considered working part-time? What thoughts have you had about life change as you approach financial independence? Comment below! !function()function e()var e=document.createElement("script"),n=document.getElementById("myFinance-widget-script"),a=t+"static/widget/myFinance.js";e.type="text/javascript",e.async=!0,e.src=a,n.parentNode.insertBefore(e,n);var c="myFinance-widget-css";if(!document.getElementById(c))var d=document.getElementsByTagName("head")[0],i=document.createElement("link");i.id=c,i.rel="stylesheet",i.type="text/css",i.href=t+"static/widget/myFinance.css",i.media="all",d.appendChild(i)var t="http://ift.tt/2oFUowK";document.attachEvent?document.attachEvent("onreadystatechange",function()"complete"===document.readyState&&e()):document.addEventListener("DOMContentLoaded",e,!1)(); http://ift.tt/2qH1K3j

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weholyperfectioncollectorme-blog · 6 years ago

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I backed into a tree that was in my blind spot 2 nights ago and got an estimate today of $2446.00 damage. My deductible is $250. My insurance agent quoted me a 75% increase in my monthly insurance cost. 75%!!!! This is ridiculous to me considering I have no other points on my insurance or any history. In the end after paying this increase over 3 years (plus deductible), it will cost me $2410. Shouldn't insurance save you money? Isn't there anything I can do (other than pay to fix my car out of pocket)?""

Need help finding cheap car insurance?

i am 20 and have been passed my test for 2 years but have no no claims bonus as i have been driving as second driver on someone else insurance but now want to get my no claims bonus and the prices are ridiculous i am looking to pay in the region of 1500 annually or 150 P/m which i thin is far to much. i have used the comparison sites and no luck just getting quotes for well over 2000 any help would be great.

I want a new car please help Car Insurance Help.?

Hey please help me i really want to get a car as soon as i can. I'm 20 years old i live in NYC. I am planning to buy a car as soon as i know the answer to this question. I want to know how much will i have to pay for my car insurance? I was thinking on putting it under my fathers name. He's 63 years old but he does not have a license but i heard he can buy a car and insurance it with his permit. How much would u think i have to pay if i put it under his name and mine? Please Help.

0.6l SMART 2003 car insurance?

How much would insurance for one be for a 17 year old in the u.k . Doesn't have to be too accurate just a estimate

Can i buy car insurance for 1 month?

or on a month to month contract? i know most places give u insurance but from 3 month or more. if so where?

How much is car insurance for a 17 year old female?

how much is car insurance per month or year? i have a 1995 model volvo. how much would it be when im 18? i had my license since i was 16 1/2.

Car Insurance - Accident (Please Advise)?

Today an OAP came driving down a one-way carpark (trying to get my car parking space). In the process, she attempted to drive along the side of my car to get to the space, and scraped the side of my car and bumper. She said she would give me 20. But i said that i haven't got a clue how much the cost would be and im sure 20 wouldn't cover me. So she decided for us to drive to the local police station. The LSTO took both our details, and said for us to go through the insurance company, as the OAP was in the wrong and liable. When we left the police station she said she has previously written off a car earlier this year, and doesn't want to go through the insurance company! She gave me her home telephone number and said for me to get a quote and she'll pay for it. I got the quote - its 450. after she offered 20, i don't know if she will pay this amount! If we go through the insurance will i have to pay my excess. and what exactly happens!? I'm clueless!! I am fully comp...""

Does getting insurance quotes ruin your credit score?

I've been going to a number of different insurance agencies but I'm wondering if them checking my credit score is pulling my rating down?

What is the best auto insurance for an adult driver?

For a driver that is under 25 but older than 21, what is the best auto insurance for a minivan or an suv? No accident history. No tickets. Clean driving record.""

What are the best health insurance plans in Massachusetts?

for individuals available through the Mass Health Connector?

How to talk to somone on the phone to set up appointments for insurance?

hi guys i just got a job at a insurance place and my part of the job is to call people to get insurance leads. does anyone know whats the best way to sell insurance and get appointments? please and thank you

Car accident and insurance?

I got into a car Accident the other day which, i believe, totaled my car. I was still paying on this car. I have full coverage car insurance What exactly is the whole process for this? How much will i get back? If the settlement check isnt enough, will i have to pay back the bank? Does the cost of the property damages come out of the settlement check? Anything you know will be MUCH APPRECIATED!!! thanks""

How much is a ticket for driving without insurance in washington state?

I pay almost $900 every six months and I'm sick of it. I've never been pulled over and I only commute 6 miles to work and an occasional trip to the grocery store. It sounds like it would be cheaper risking getting pulled over and get a ticket than to pay the insurance. Anybody have an idea how much the ticket would be?

home insurance quotes online comparison

How will health insurance brokers be affected by healthcare reform?

will health insurance brokers still have a job?

How much will 3 points effect my insurance?

Hi, i just recently got a speeding ticket ( the price isn't important for this question so dont try to tell me it is) i got 3 points from the ticket and im wondering how much it will raise my insurance. I am 18 and i have no other recorded tickets or anything on my insurance also the car is in my name as with the insurance and i cannot give u the year price off the top of my head but i just want a estimate of how much it will bump up my payments.. my company is statefarm if that helps..thanks""

Car insurance in California?

Is it true that if you are financing a car you HAVE to have car insurance??

Statefarm locksmith coverages for auto insurance?

how much StateFarm reimburses for locksmith charges. I had to pay $139 for a locksmith to come and open my car. his service charge is 39.99 and $75 for opening car (tax and 10% credit card charge) it totalled to $139. now any of you has any idea how much StateFarm will reimburse me. Do agents play tricks to reimbruse less money. Any suggestions will be highly appreciated. Thank you

Which part in california is the safest place to live?

and which part in california is cheap and afforable to live ??

Why is car insurance so high in UK?

I want to insure a 1.0 litre 2000 Vauxhall Corsa 3 door. Im getting quotes for 3000 - 5000, does anybody know why this is? Its really annoying now""

Insurance premium increase?

I was involved in a fender bender where no party admitted fault. Other persons insurance company went to arbitration against my insurance company to recover their loss. Arbitration Panel decided in our favor i.e. I am not at fault hence need not pay the damages. Total loss amount listed by other party was $800. My car did not have any damage worth repairing. (Also, I am lazy and passive enough to not pursue too hard for a minor dent.) After arbitration settlement other person filed a lawsuit against me in small claims court. I was pretty sure that a judge cant do anything after arbitration. To my surprise judge assessed that out of $800 - $250 was the deductible paid by other person. Prior Arbitration did not include that amount hence he can adjudicate on this $250. He adjudicated against me for $250 + legal fee. Judge also told me that I need not worry about this money as my insurance will pay for it. (Most ridiculous judge and judgment I have ever seen, but thats a separate matter) I called up my insurance company. They are willing to pay this amount. My question is will making them pay increase my insurance premium. I have a pretty clean record with no at-fault accidents. I pay about $1000 per year for two cars in WA state. Insurance company is: Farmers""

Can still drive with my parents in the car even if I don't have car insurance and they do?

I'm 16 and I don't have insurance listed under my name yet. I have my license already. Me and my parents were wondering if I could still drive without insurance if they're in the car with me. We live in Arizona btw, if that helps. Thanks!""

Will my car insurance go down after having a child?

I am 19 and pay around 250 a month for my car insurance, my girlfriend is due to have a baby in december, how will this affect my car insurance? if at all, Thank You""

Should I get Car Insurance before I get my N?

My parents want me to get a car, and insurance for that car. So i can learn on it and get My N. They wont teach me on their car. But you see. I think it would be a waste of money to get insurance for my car considering I would be learning on it maybe once a week. And for three months of insurance, it is $400. Honestly, I think it would be best to take lessons, get my N, then get a car and insurance. But I wanted another opinion. Any advice you can offer would be great. Thank You!""

Maternity related services considered inpatient for insurance?

Most individual plans (87%) do not offer maternity coverage. I was fortunate enough to still be covered under an old employer by paying COBRA, and a majority of my expenses were covered. I had twins and had to have a C-Section. So now that I know I'm most likely to have a C-Section again, and who knows, another set of twins! (complete surprise) and am still of child bearing age. I am now under an individual plan, that does not offer maternity coverage. I was reading under the 'Inpatient' services and it listed this: Unlimited coverage is provided for medically necessary physician and surgeon services, semi-private rooms, operating rooms and related facilities, intensive and coronary care units, laboratory, x-rays, radiology services and procedures, medications and biologicals, anesthesia, special duty nursing as prescribed, short-term rehabilitation services, nursing care, meals and special diets So anyone who has experience or knowledge, would something like a C-Section be covered under inpatient? What does maternity coverage only cover normally. That $60*** bill scares me! Also, I keep reading about a new health care bill effective 2014 where individual plans must include maternity as an essential benefit. Anyone have any more details about that? State specific etc?""

Quote for a day car insurance????????????

how much does a 1 day car insurance cost? It is the first time I need to do it, so I don't have any idea. When I try to get a quote, I'm always ask to register to the website... I don't really want to do it before having a quote :P Anyway would you please recommend me an agency? thanks""

Buying insurance online?

If I buy a Progressive insurance plan online, would I be able to print out the proof of insurance online as soon as paid for it with my credit card?""

Approximately how much will my car insurance cost?

I am a 16 year old male, I will be getting my liscense soon. I'm going to have my own car(probably an old Honda civic) and ill be added on my mothers insurance policy. And I live in San Diego, and my grades are B's and C's""

How will my first speeding ticket in Florida effect my insurance?

Ok I'm 19 and just got my first speeding ticket on the way to work today doing 9 miles over. So my question is how many points are added to your license for doing this much over and is there any way to avoid getting these points? If not, how will this affect my insurance? Is it going to skyrocket, even though this is my first speeding ticket ever?""

What happens if you get pulled over with a suspended licence but you have SR-22 Insurance?

I live in California and these days its getting harder and harder to get away with things with DMV. Does anyone know what happens if you get pulled over with a suspended license? I received a DUI on March 1st 2007 and have been driving with out a license for almost 4 years but Ive always had insurance and registration, and now they have a completely different department for registration which slowed up the delivery of my 2011 tags. Now Im driving around with no tags, suspended registration, and suspended license but carrying SR-22 insurance. Its all in the mail and getting sorted out but with these furlough Fridays its slowed the process of obtaining everything even more. What happens if I get pulled over?""

Ford focus insurance?

any one know which type of ford focus has a low insurance group, i am looking to buy one soon but want one that has a cheap insurance policy, i am thinking of a focus ghia 1600 or 1800cc around 03 reg, any help please

1991 Nissan 300zx twin turbo insurance prices?

I'm 16, I know it'll be a ****-ton of money, but I have a pretty well paying job, anyway, I'm 16, it's a 1991 Nissan 300zx twin turbo, I make As Bs and a few Cs in school, no police record, not on drugs, dont smoke, come from a mid level income family, any ideas? I've heard it will be around 4 or 500 a month, is this true? Just an estimate would be great, thanks guys!!""

""Non owner SR22 insurance for TEXAS, what is a cheap website?

I don't own a car so I don't know what to do... Help! Thanks

How much would it cost to insure a learner driver on a diesel skoda octivia?

Basically I am a learner driver and I'd like to know how much it would cost to be insured on my dads Skoda octivia diesel (as a learner). If someone could find out I'd preferably like to know how much it would cost under the AA as thats what my dad is on, along with the price I'd also like to know if its good or bad since I don't know whats considered expensive for learner driver insurance on cars like this.""

Will My Insurance go up?

The other driver reported the accident on his insurance company but we decided that we'll settle the damages outside the insurance company to prevent my rates from going up. The other insurance company is contacting me now. Does it mean that my insurance company knows about the accident and will raise my insurance rates even if we dont settle this insurance to insurance?

What is the cheapest car insurance ? ( Company )?

Serious answers please . Thank you

16 and want State Farm Auto Insurance?

I just turned 16 a couple months ago and i already have my license, and i live in Colorado. My parents have State Farm auto insurance and they want me to pay for my own insurance when i get a car. I already know that you can get a bunch of discounts for things like getting good grades and attendence and safe driving and not driving your car to school, but anyways i was wondering how much it would cost me without any discounts? Like how much would it be every month or so? I do have a job but i dont know if i would have enough to pay for car insurance. Any help is needed! thank you!!!""

What's the average car insurance cost in Ireland?

Hi everyone, I'm planning to move from Canada to Ireland next year and I was wondering what would be an average cost for a basic car insurance? I have had a valid Canadian G2 license for about 3 years, as well as a Romanian (EU) full license for 8 years. I'm 26. The car would be a small car, and the region either Dublin or Cork. I'm not looking for an exact quote, I'd just like to know what you are paying for your car and your experience, so to get an idea of what to expect. Thanks.""

I need dental insurance...?

Does anyone know of any good places I can get dental insurance through? Thanks

home insurance quotes online comparison

""My boyfriend that has no insurance borrowed my car and got rear ended, will my insurance cover?""

I let my boyfriend take my car to go drop off his friend and he ended getting backed into by a truck and severely damaged my back bumper. Because it was on private property, the police couldn't do anything but observe us exchanging information. My boyfriend doesn't have insurance, but my car is insured. Will my insurance company be able to cover my damages, even though I was not present? This accident was the trucker's fault because he backed into my car, but this guy didn't even have an ID but the car was his family & supposedly it's insured. Please no smart remarks, I am asking because I'd appreciate some advice.""

How can i get a copy of my old insurance card from state farm?

Quick question about RENTERS INSURANCE?

My fiance and i are renting out a house starting Feb. 1st. After a year we have an option to buy the house. Anyways, when we were looking at the house she said her dad wants us to get renters insurance before we move in. I'm guessing because of the fireplace, attic, etc. Do i need to get any info from her before i sign up for insurance? Where do i go to get this? ANY sort of info would be great. We're new to renters insurance. We live in an apartment complex right now with NO insurance.""

Term Insurance or General Insurance?

I am thinking of insuring a member of my family. What would be an ideal choice? Going for a term insurance plan or general insurance? 10 points to the best answer.

""I'm about to shop for auto insurance, but I'm afraid it could hurt me?""

I know that too many inquiries will look bad on a credit report. The guy at my current insurance office said inquiries for auto insurance aren't the same as others and dont bring my credit score down. Im not sure if he's lying or not. The last time I checked my report, I had 2 inquiries on it from when they looked for the best rate for me last time in Sept. He also said they could shop for me (for the best rate) at agencies that dont go off of credit scores . Why are there some agencies that use my credit score and some that don't- whats the difference? Does it affect my score/ look bad in general to have sevral inquiries from auto insurance agencies?""

Car Insurance Question... PLEASE HELP!?

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

Why is it illegal to drive without car insurance?

I have heard rumors that it is illegal to drive without car insurance; first of all, is this true? Secondly, if this is so, why? Many individual American motorists experience between 0-2 minor accidents in their lifetime, some of which are very minor (where both cars still run fine and there's just a bump or so). Any information would be useful.""

Most affordable health insurance illinois?

Hello, Im a pretty broke college student who cant afford the plan offered by my school here in Illinois. Anyone have any suggestions for cheap health insurance, that would cover some doctor visits and prescription pills, well at least most of the cost. thanks in advance""

How easy is it to change my car insurance?

I am 23, and never changed my car insurance before. I had it for 5 years. I paid $65, then after a ticket, over a year ago it suddenly went to $87. That is with progressive. Esurance offered me $55 for same coverage. If I usually pay on the 20th, can I call them up, set up new plan, and have it start on 20th, and have old one stop on 20th, without another bank deduction?""

What would be the average pay for car insurance per month?

i am 18 years old and my parents dont want me on there car insurance because they dont want to be liable .what would be the average pay for car insurance per month if i went on my own for the first time?

""A car is registered on my name, im only 18 years old male and i want to get a cheaper car insurance.""

a car is registered on my name, im only 18 years old male and i want to get a cheaper car insurance.is it possible if i could get my friend to insure my car on his name as the main driver because he has like more than 5 years no claims discount bonus which makes the car insurance go down and im just going to be the second driver? but the car is registered on my name. is it still possible if i could do that and get below a 1000 pounds insurance for a year?? thanks for the answers in advance. IM FROM UK ENGLAND by the way""

Where i can get very cheapest motorcycle insurance?

i bay a motorcycle and my dad don't agree to give some money for my insurence

Can I get insurance on somebody elses policy?

OK, I'm 17 and would like to start driving when I pass my test. So as a new driver, can I insure a car on my mum's policy? (In the UK) I hear it's a lot cheaper, so how much would I save if I insured a 1 litre VW polo on my mum's policy? Compared to a policy of my own. Thanks in advance.""

How much will my insurance go uop?

i was in an accident not to long ago. My car was totaled and my insuranced paid it off ($13,000) it wasnt my fault but im 20 and ive been driving for 3 years but recently got my license last year. i was already paying 250 a month, how much more will i have to pay?? my car was an 05 altima. now its a case of he ran a red light, versus she ran a red light""

Are there any insurance companies who offer REALLY cheap new driver insurance?

I have my driving test (practical) booked for the 7th March 2012. I have been searching for cheap car insurance and the lowest I can find is about 7000 which I just cannot afford. Im only looking for insurance for a few months, less than a year for a few hundred pounds. Please, any suggestions greatly accepted. Thanks :-D""

Car insurance help !!?

well you know how if your paying for your car monthly the insurance is more money because the car isnt fully paid for yet, well is there any insurance companies that don't make ...show more""

What company offers best auto insurance rates for not so good driving records?

How old does the bike have to be for classical insurance?

ive been told that my bike (86) should be put under the classical insurance for motorbikes, how old is it? please and thank you. (p.s. this is in the UK)""

Is there some type of dental insurance that is affordable??

I am 38 y/o male who needs to finally look into some dental insurance that is affordable/ I have some teeth that needs to be fix ASAP thanks for your Help Bri

""I only pay car insurance, what should my credit score be?""

I have car insurance in my name (I haven't been late on a payment yet), this is the first and only thing I make payments on. What should my credit score be? Also what are small things I can do to bring it up?""

Auto and House Insurance...what to ask!?

I'm a first time auto and house insurance buyer....yipee (NOT!) As I shop around for prices, I find each of the policies vary so much. What are some key questions I should be asking? What are the things I should be inquring about which will greatly affect the future with this insurance? In other words, to those of you who have had experience with insurance policies, what do you find most important in having on your policy? How do I make sure I'm well covered?? Thanks!!!""

How much should my car insurance cost?

I am 16 year old girl, will be driving a two door 1995 Honda civic, and have 4.1 gpa in school.""

What would be a good life insurance policy?

What is the difference between 10 and 20yr terms etc. What is the benefit of the whole life insurance? And why do those one's cost much, much more? What should the average 35yr old female enroll in. I'm looking at probably 500,000. That's way more then ten times the amount I earn in a year. Do they grow with interest? So many question's I know. But if anyone has the time to give me the basics I will appreciate it. Thank you.""

How do traffic tickets affect insurance premiums?

So if you get a traffic ticket you generally get: a fine, driving school and it makes your insurance premium worse. Is this always true when it comes to the insurance? Is this a rule defined by the insurance or can something be done to avoid that insurance thing? The state is CA btw.. if that matters..""

""I lost my wallet and need to replace my drivers license, do I have to have a form of car insurance?""

Im in Texas. Also, how much does it usually cost to replace the drivers license?""

home insurance quotes online comparison

Can insurance companies automatically add new drivers to an existing policy?

I had my g1 (permit) and got my g2 (license). I called the insurance company to get a quote of how much more it is going to cost my dad (which is what I'm going to have to pay) and they are telling me that I have to notify them that my license is now a g2 class. They can't quote me until he calls them (he's at work) when my dad calls to confirm then they will change it automatically and add me. But I don't have a choice if I want to add or not (If I don't like the rate) can they forcibly add me to a policy even if I don't agree with the rate? kinda tricky to explain but I hope you understand what I'm saying and if not then I will add additional details as necessary.

""My car insurance was voided in the past, and now I can't get a quote anywhere, can anyone help?!?""

When I started learning to drive at 17, I decided to buy my self a cheap car so that I'd be able to get more experience behind the wheel, pass my test quicker and have a car as soon as I passed my test. I was insured on my provisional license with an insurance company which specialised in learner drivers. However, I ended up getting 3 points on my license the week before I passed my test, in what I still think were pretty unfair circumstances. My house doesn't have a drive or a garage and so I had to park my car on the road in front of my house, or on a street round the corner when there were no spaces. As it was my first car I was really excited, and without understanding that I could get in trouble for it, I used to sometimes sit in my car and listen to music with my friends. The week before I passed my test we were sat chatting when a police car came down the road and pulled up behind us. Someone had broken into some allotments nearby and they were questioning us as to if we had seen anything. They searched my car- for tools that could suggest we had done it I presume, and when they found nothing they ran my license and obviously realised I only had a provisional license. I still at this point didn't realise I had done anything wrong, I wasn't driving the car, simply sat in it so I didn't realise I had committed an offence. The police informed me that because the engine was running, I could have been driving or about to drive and on that basis they convicted me for driving without a license. I only got 3 points and a 60 fine due to the fact I wasn't actually driving and at the time I accepted that with relief, I was terrified I'd get a ban or lose my license or get a massively unaffordable fine. I could have appealed but that would have meant going to court and I was only 17 and that terrified me. I declared the points to my insurance company straght away, but due to the nature of the offence my insurance was invalidated and void. I've only just now realised how serious having insurance voided in the past is. I'm supposed to be moving a 5 hours away in a few months for a job, and I have plenty of money saved for car insurance and a car, as without a car, the move is completely unrealistic. Without a car I won't be able to get to work as the hours are unsocial and my job isn't very well connected with public transport at all and so relying on public transport or taxis is simply not an option. I found a car, went to get an insurance quote, and found out that getting insurance is practically impossible when you've had insurance voided in the past. The points don't seem to be a problem, when I tell companies about my points but not about my insurance voided in the past they happily give me a quote. They're expensive, but affordable and it's what I was expecting. However, as soon as I tell them that my insurance was voided in the past they refuse to even give me a quote. I'm completely out of options and I don't know what to do. I need a car, but I can't get insurance as much as I try. I know I was in the wrong, but it seems like the voided insurance is more of a punishment than the points are and surely that isn't right? And the voided insurance will stay with me for the rest of my life, so does that mean that driving will never be an option for me? I'm sorry for the essay, I just really don't know what to do! If anyone's been in a similar situation with voided insurance or know of a company that would insure me then please let me know! Just anything that would help, let me know! Thank you so much in advance and sorry again for the babbling!""

What are some affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

Is it true that black cars have higher insurance rates?

There's a truck that I'm interested in getting and I want to get it in black but I was told that I shouldn't get a car in black, because the auto insurance is higher. Is this true or is this just an urban myth?""

Auto insurance question???!! HELP!!!!!!?

Hello, i have a question on teen auto insurance. Now i know how bad insurance is for teens and I know sports cars are a horrible choice for a first fully insured car, but my father surprised me with a 2005 V6 Ford Mustang and I would like to know if anyone out there can help me with just telling me how much I am going to be looking in to pay. I live in Orange and I am going to be under my parents, just an estimate on how much it would be each month or 6 months will be fine and please, no rude comments. I understand how foolish it is of me to have a sports car at my age, but I already had an Altima 3.5 se-R with an air intake and drive it perfectly, always obeying speed limits, though this probably isn't going to help with the insurance cost. If you know from experience even better! thanks for ur time.""

How much would insurance be on a 1986 honda civic si hatchback?

I need to know asap how much estimated it would be to add this car to insurance. (state farm) I just bought it for 800 bucks and i need to know also how much in total it would be to get on the road.. register, title switch , tags all that good stuff...im un VIRGINIA btw.. need any more info ask..""

""Will my car insurance rates go up if damage in accident is under $1,000?""

Today I bumped a parked car when trying to pull out of a paralell parking spot. Both cars were scratched, but no dents. My car was in worse shape than hers, and I took mine to an auto body shop to get a quote on what it would cost to repair the scratch. The quote I got was $671.23. The lady (who was sitting in her car when I bumped her) said she was going to have to have the whole bumper replaced... even though it was just a scratch about 3 inches long. We called the insurance companies and I admitted fault (duh.) She said she was going to call the police and may have to go to the doctor because her neck hurt, but the police were never called. I am still worried she is going to try to sue me or get more money from me... it was just a small scratch! Not even a DENT! My main question, will my car insurance rates go up, and if so, by how much? I drive a 2010 Kia Soul. I have one other accident on my record and I pay about $150 a month. If it does go up, is it going to be drastic? Her car was a 2012 Kia Soul (same color oddly enough) so I am hoping her quote will be similar? Since the overall damage is under $1,000, what can I expect to happen? Can she really report me to the police, or try to claim injury? I was just pulling out of a parking slot and thought I was clear, but still very slow and cautious. I just don't see how I could have hurt her neck... Any help/input appreciated, thanks so much.""

Can i get insurance w/out a car and vice versa?

i have my license just not a car. so can i go buy a car without insurance OR can i buy insurance THEN buy a car?

Will my car insurance rate rise if someone on my policy gets in an accident?

If I add someone onto my car insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.""

What is the best affordable health insurance for students out there?

I am thinking about changing my provider and was wandering if anybody has any recomendations?

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

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

How to get best fair settlement from car insurance company for 1996 corolla?

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home insurance quotes online comparison

https://www.linkedin.com/pulse/insurance-mitsubishi-eclipse-bad-good-okay-larry-gilbert/"

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gocasualrunawaycollection-blog · 6 years ago

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Michigan.Police doing high speed chase hit another car without insurance and kills driver. Who pays?

"Michigan.Police doing high speed chase hit another car without insurance and kills driver. Who pays?

Michigan.Police doing high speed chase hit another car without insurance and kills driver. Who pays?

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

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The right wingers will chose blindly! But think about this! Prior to the Affordable Healthcare Act, how many times in a row, year after year, did your health insurance coverage go up. For me, it was every year for as long as I remember. Never did my insurance premium go down. But for some reason, everyone is up in arms because a few people, a small percentage have rate increases. But they also get more coverage, better policies, and some can get insurance for the first time.""

Where do you get good rates for dance instructor liability insurance?

I am a dance instructor and I need to get liability insurance. Anyone know of a place to get the best quotes. I tried Markel and they are expensive. I also plan to have other instructors that I train and work with me. How do I get insurance for them? Is this per instructor, or can it be as a dance school? Please let me know. I need this info ASAP. Thanks for your help""

What do you think about auto insurance?

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I've had Geico insurance on my car for the past year and I've found a much better rate elsewhere and plan to switch. I'm in Virginia. How do I go about canceling with Geico? Do I have to wait until a certain time (end of 6mos, etc) or can I do it at any time? Is there a cancellation fee? Thanks!""

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in the beginning of feb my dad passed away so i they dropped coverage on 2/28. i get health insurance through my employer but it isn't good. can i still apply online for individual health insurance even though i can get insurance through my employer? i plan on quitting in two months so i figure it would save me the hassle if i get individual health care now. i have asthma and need medicine regularly/monthly. i'm planning on going on vacation in the summer and then when i get back, i plan to get a job with health benefits, so i would only need insurance until then. would that be considered short term (now-august/september)? does the price differ from short term and long term health insurance? i was looking up some plans online and i was thinking of applying for this one. http://www.ehealthinsurance.com/ehi/ifp/plan-details?planKey=3002:200067&productLine=IFP&noSelectedPlan=true&ifpUIState.planDetailsBackUrl=/ifp/all-plans so what this means is that i pay 115 dollars a month and since there is no separate prescription deductible, i can buy my prescriptions which is tier 2/3 for the copay only. also there is a 2500 maximum out of pocket for my part. right? and is this a good plan for me? im 22 and dont smoke/drink and live in georgia, my only health concern is that i have asthma. can they reject my application because i have asthma and that's a pre-existing condition? and when i get a job with health benefits i can just cancel this or is there a contract that states i have to be with them for a certain amount of time? thank you very much for your time!""

Can I turn my health bills from a car wreck into my health insurance?

I'll try to make this as short as possible. I was hit by another car, who fled the scene but I was able to get her license plate, made and model of her car. Her insurance is covering the body damage for my car but I'm having problems with the medical part of all this. In all, I have had two visits with my doctor and he sent me to the hospital for xrays. I have whip lash and nothing else. I live in Kentucky, which is a no-fault injury state (I have no idea what that means). The other driver's insurance company is not going to pay for my injuries since they are less than $1000. Which means I have to turn it in to MY car insurance company and pay my $1000 deductable or pay out of pocket, which will be about $800. Someone I work with mentioned that I can turn the bills into my health insurance company for them to cover it. Is that an option? I'm not at all familiar with any of this b/c this is my first experience having to deal with car insurances. I know it doesn't matter how I feel, but I'm really ticked that someone can hit my car, flee the scene, cause injuries to me, and then I am the one responsible to pay for the medical care. Does anyone have any experience with this? Can I turn this into my health insurance to avoid paying the $800 that I don't have? Thank you.""

How much would a 2002 impreza wrx cost to insure?

Im 17( i know im about to get a bunch of your going to kill yourself! AHHHH!!!! i regularly drive my dads 05 mustang gt, i know how to responsibly control power) and me and my parents have found a great deal on a 2002 impreza sedan, it has 125k miles on it, and the last thing deciding factor before buying this vehicle is the insurance. We already have a mustang gt on the family plan, i live in VA, make all A's(supposed to give me a 30% discount), im male, the color is blue, with only a greddy bov aftermaket part installed. The car itself is blue, it is the turbod WRX version(not the sti), and has never been wrecked. We have state farm, im not sure as to what other information anyone would need to know, but im jusst looking for a rough estimate, thanks for any input.""

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I passed my test june of this year and have been a named driver on my mothers policy for short periods of time, its a 1.4 S Reg corsa. Now i am looking at buying my own car and building up my own NCB. I was wondering if anyone knew of a good cheap car to insure? an insurance company that doesn't wish to rob young drivers? and whether its cheaper being a named driver myself or having a parent as a named driver? or any other tips you might know of to keep the premium down. Any help would be appreciated.""

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So a months ago my car insurance went up because of a driving ticket and i just go another...will my insurance go up even more or what will happen????

How much does car insurance cost?

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I had full coverage on my auto policy. My car is at a point where I'm not going to fix it because it would cost more to repair then to replace. However, I'm not going to replace it at this time. My question is, since I will be renting cars at least twice before I get a new car, how do I handle my auto insurance? The policy currently covers rental cars, and is cheaper than the insurance the rental company offers, so I'd like to keep it. should i go ahead and cancel my auto policy, even though I will be driving other cars before i purchase another?""

If i buy a new cbr 600 wat will my insurance cost? ?

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Can my car insurance company drop me for having not at fault accidents?

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What is cheap car insurance for a new driver?

I am a new driver and I need insurance for a Jeep Grand Cherokee 2000. I am a student and I need cheap insurance

How much would my insurance cost if i an a new driver age 16 in CT without a car ( i just use my parents car)?

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My dad doesnt want to put me on his insurance, even though i offered to pay and my mom is gonna buy me the car. Male, 16, the car is probably going to be a 2001, 2-door honda. What is an estimated amount am I going to have to pay if I get my own car insurance.""

Should I cash out a Variable Adjustable life insurance policy?

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How much will my insurance be?

im 21 never had an accident i have a scion fr-s and plan on getting a yamaha r6 next month and this summer im buying a wrecked supra for a project car once everythings fixed what will my insurance cost?

Cheapest car to insure/ run in UK for a 21 year old female?

Someone said Renault Clio. Then someone said no, because they're branded boy racers. Then someone said Vauxhall Corsa. But then they're supposed to break down frequently. I don't like Ford Ka's or Micra's. Help me please! Aha x""

Is there an affordable health insurance plan in California?

Question about getting your own insurance?

A friend of mine recently just got his license and he tried to go on his mother insurance who doesn't have any insurance. Well, she tried to go on her own and they said that she had to put every single person who has insurance on, which will cost like 500 dollars per person!! Anyways, will it be possible for him to get his own, and will it be cheaper? Also, his father has his license suspended but that was at least 2yrs ago or so. Do they have to know about this or is they way to keep it from them. And, Do you have to put money down when getting insurence?""

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I'm really frustrated as i've just passed my test and looking into buying a car and insurance and im quoting on a Vauxhall Corsa that is in insurance group 1 and getting nothing less than 6000 how the hell am i supposed to be able to afford that even with a full time job! its ridiculous i know that im 18 and male which is high risk but even if they said between 2000 - 3000 it wouldnt be so bad for me, can someone please give me an idea of what to do next?! :/""

Help with car insurance after acciddent?

recently my car was written off. i pay my insurance monthly by direct debit. as the car is un fixable my insurance has told me to find a new car in 7 days as from last sunday or pay 2000+ up front in a one off payment, which would have been the remainder of my insurance. is the insurance within their right to do this? can i have some advice please.""

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

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

Michigan.Police doing high speed chase hit another car without insurance and kills driver. Who pays?

https://www.linkedin.com/pulse/get-globe-life-insurance-quote-daniel-thomas/"

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captainalwayslazycollectort-blog · 7 years ago

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How much will a careless driving citation affect my insurance rates?

"How much will a careless driving citation affect my insurance rates?

I got both a speeding ticket and a careless driving citation for going 82 right after the speed limit went down from 50 to 45 mph. When I signed up for insurance, the entered in one ticket just to see how much my rates would be affected and they barely went up. This is my first ticket ever, but since I got a careless driving citation too, will my insurance view that as 2 tickets?

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

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i had a lapse and just never turned in my plates i never been stopped by police but i just got a nice car that i want to get registred

""Can I cancel my Health insurance at work, because it is too expensive?""

We enrolled for Health insurance thru my husbands work,and we were not told how much the payments would be. We were told to wait and see what they took out of his paycheck, and that would be the payment. Now we are paying over $500 a month, for a family of four, and on only one income. We are unable to pay our bills like water, and electric, and have to make considerable cuts in our grocery shopping. We decided to cancel our insurance, and get our kids on the state program, but when my husband asked the HR department about cancelling insurance due to financial hardship, they told him he would have to wait 6 months until it was open enrollment. We can't wait that long. Are they allowed to do this?""

What is the least expensive general liability insurance you can get in Connecticut?

My father-in-law is a handyman who needs to renew or purchase general liability insurance, but he doesn't have the money. I'm just trying to help him out so he doesn't screw himself if god forbid something should happen on the jobsite. Thanks.""

Insurance question....................?

If one parent has insurance for their kids then is it ok for the other parent to get insurance for them too?

Car insurance problem?

I moved recently from California to Arizona for a new job. About a week ago, I received a letter in the mail from the California DMV stating that if I don't get at least liability insurance on my car, my car's registration will be nullified. The insurance company I had while in California only services California. My dad suggested that I call that company and tell them that my job is only temporary for a few months (so that I might get my old policy back). I think that during my move, I neglected to pay my car insurance bills because when I log on to the site to check the status of my account, they don't have a listing for me. I know this might be a little confusing but I think what I need to do is get my car registered in Arizona, get insurance out here and then call the California DMV and tell them that I moved. I just want to know if that is the proper procedure for my circumstance. Thank you. I really hope this makes sense.""

Under Obamacare you can't be turned down for insurance because of preexisting conditions but at what price?

What stops the insurance company from charging you and arm and a leg?

What is the Cheapest Homeowners Insurance for Senior Citizen?

My elderly neighbor has had her homeowners insurance cancelled because she couldnt afford to pay it. She is on a fixed income and her children do not help in any way. She owns her home but is having a hard time with paying the large payments. her mortage company says that if she doesnt take out her own insurance then they will purchase it for her at a cost of 2100.00 per year. This is way too much for a Senior citizen. i got a quote for her from progressive for 2600.00. Are there any cheaper alternatives?

How much is an auto insurance for a $12.500 car?

Is my car insurance expensive?

I have a 2008 Passat and my husband has a 2010 Nissan Sentra. We have used the same car insurance co for years and know the owners/agents well. Before I was paying $255 for my 2003 Jetta and the Nissan and now it shot way up to $283. My husband has some tickets from the past,out of state. And my driving record is so far good. Are we paying too much? Absolutely NO spam or advertisements allowed!""

""What is... THE, CHEAPEST, CAR INSURANCE... IN... THE... UK?""

i mean what is legaly the cheapest you can possably pay... im looking for real cheap scraping by scum insurers that wont cover F all... the cheapest... THE... CHEAPEST... i dont wanna hear you mention popular names!!... i wanna hear hidden hated piece of S**t insurers... understand... REALLY cheap... none of this.... 4000 stuff... robbin sc*m... im looking for, eh-hem... CHEAP...""

How much more would it cost if my parents added me to their car insurance?

My parents pay about $100 a month on insurance for their car ( 2008 Nissan Sentra) to OMNI insurance group. I'm just wondering how much extra would they have to pay to add me (16 years old) onto the insurance when I get my license?

Car Insurance Problems. Pain in The neck?

Im 22 and I have a terrible credit score. I am looking to insure my car by myself which has always been insured by other people like my parents/boyfriends mom etc. I know my credit score is my own fault but I have been running into difficulties trying to find a decent car insurer for my vehicle. Does anyone know a place that will offer car insurance even though I have poor credit? I know I will pay a lot more than if I had a good credit score but I am in dire need of insurance and am willing to pay a bit more than usual. Alot of places have even denied me car insurance because of the my credit score so If anyone knows a place (not geico, progessive, unitrin or allstate) that will be helpful and will possibly insure me, can u please let me know:-) Oh yeah Im residing in NJ, if thats helpful!""

Teenager's auto insurance?

i'm 17 and will soon be recieving a car from my aunt. it's a '92 poniac bonneville se. i want to figure out some insurance rates but some of the information they are asking for i'm not comfortable putting on the internet (like my soc. number). are there any teen drivers or parents of teen drivers would would be willing to share their rates and companies with me?

Is this car insurance company good?

http://www.4youngdrivers.co.uk/ I got a very reasonable quote of 1,500 a year from that website whereas everywhere else the minimum I could find is 4,700 to insure my dad's bmw 325i under my name ( he bought a new 5 series). But the downside to this is that the excess fee to any claim is 3,000. Either way it is cheaper than most insurance companies so what do you think of the company? because Iv never heard of it before and it does sound a bit fishy. In case it helps...im 24 and have been driving a gsxr750 for 2 years until last november during the snow I was involved in a horrifying crash which ended up my bike being written off.""

Where is the best place for a teenager to get car insurance?

Im an 18 year old male and will be getting a 2005 Nissan Altima. What would be good insurance for me? I need cheap insurance and I have good grades so I might qualify for a discount.

Car insurance???

anyone no of places that do cheap car insurance for new drivers (i'll be 17 in january) oh by the way im in the UK!

I have a full uk car licence what do i put on my moped insurance?

my licence is full uk car and i done my cbt but when i look online to do insurance quotes and select licence type it always colmes up full moped, provisional moped, full motorcycle, european moped etc and no full uk car what licence type shall i put because of this ?""

What Company Has the Cheapest Auto Insurance?

Also, are there any tricks to finding cheap auto insurance.""

17 and HIP insurance?

Im 17 and I need some type of health insurance because my parents dont carry on me. My mom is applying again for HIP health insurance because she missed her reevaluation. So can I apply for HIP health insurance? thanks!

I just got notice my insurance premiums jumped so I high I cannot pay them.?

I just got notice at work this morning that my insurance is going from 79.00 every two weeks to 179.00 and with my family which I have on my insurance went from 345.00 to 750.00 every weeks. I cannot afford this! I have no idea what to do. I only make 1700.00 a month. What can I do?

Any advise on life insurance?

term life insurance and permanent insurance which is good and what are the pros and cons?

Insurance for a new driver?

I'm hoping to get my driver's license this summer (am over eighteen) but do not plan to drive in the near future since the college I'll be attending next year does not allow freshmen to have cars. Does the insurance requirement for taking the behind-the-wheel exam in CA require proof of an insurance contract under my name, or is it just the vehicle I test with have to be insured? Could I borrow my parents' car for the exam and not get insurance for myself?""

How much do you pay for car insurance?

I am currently a 24 year old male and I think my car insurance company is not giving me the best deal. Who do you get insurance from, how much do you pay and if you don't mind me asking, how old are you and what car you drive. Also what factors determine how much my insurance payments will be?""

How much will a careless driving citation affect my insurance rates?

Do Different Car Insurance Companies Really Have Different Rates?

I keep seeing ads on TV which claim this or that car insurance company is cheapest. Are they really that different, or is this just marketing?""

Does the mazda 3 have high insurance costs?

just wondering if it would be in the sports car range or the sedan range?

When should i buy car insurance?

I am going to buy a car on Tuesday. Is there a grace period during which i can drive the car without insurance until i get it, like 5 business days or something like that, or do i need insurance before i buy the car?? This is my first vehicle so i dont have an existing policy i can add this too.""

Trying to be a first time homeowner - any advice before I sign?

I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?""

Suggestions on where to purchase good health insurance?

My husband and I are looking to purchase health insurance. We are young (under 25), healthy (non-smokers) and looking for coverage mainly for doctor's office visits and prescriptions. Can anyone recommend a good website or insurance company that we can look at to choose a plan? We live in Michigan if that makes a difference too.""

Will I be able to get health insurance to cover this?

I am about to graduate from college and have not been covered by insurance regularly in many years, for a short time I was on a California county-supported low-income type of insurance program but it automatically runs out every few months if you don't reapply evidently... Anyways, I'm about to graduate and move back to Oregon. I have some kind of hip/tendon injury that I need to go to the doctor for and have checked out...but because I don't have insurance, and this is an old injury already, is there any way I'm going to find health insurance to help me pay for this? Or am I just completely screwed and destined to limp around for the rest of my life??? because there's no forseeable way that I'll be able to afford my own health care any time soon, I'll be paying off my student loans for the next few years. I also doubt that I will be able to find a job that offers health coverage in my field so that's not looking very likely either.""

How much will my insurance go up?

A few weekends ago I backed into someone's car who was parked. The damage was not extremely significant; it gave him a small scratch that will be easily buffed out and a small-ish dent more on the underside of the bumper. I gave the guy my insurance info and everything, and he is going to file a claim. My question is, since the accident is pretty minor (thankfully) will my insurance skyrocket or anything? I am unfortunately a 17 year old male who recently got his license a few months ago, so I know that doesn't help. Any ideas?""

How long does it usually take to get car insurance?

Hi. I'm an 18 year old teen. Recently obtained my drivers license. But I can't drive yet because I don't have car insurance. I was wondering how long it usually takes to get car insurance as a teen. From researching it tells me it may take as short as 3 days and as long as 7 days. (Business days only of course). I've been waiting for around. 11 business days. Is that normal? I have no idea what the car insurance company my parents are using because they know i'm going to call them and complain. My friends who are...Allstate,Geico,Triple A, ETC. Have told me they got their car insurance in about 3 business days.""

Imported motorcycle insurance?

Does anyone know of any companies that tend to do cheap imported bike insurance? Iv wrang around a few now and the best quote i can get for third party only is 305 pounds from adrien flux. The bike in question is a Honda storm SDH 2006 import. I know that as an imported bike it is going to be a little more expensive but it shares most of its parts with the Honda CG, will telling them this help the quote at all, and do you know any good insurers?""

What is a good low cost Automobile Insurance Company?

No Geico (they are very high)!

If you work at GEICO what is your insurance rate for your car and house?

how much of a % off is it compared to customers?

How much of a role does health insurance issues have with hiring and firing employees?

Group insurance through the employer's insurance plan.

Auto insurance question.?

My step father auto was struck in th readend by a teen the other day. Now his car is not worth much. Maybe 1500 dollars. The 2 body shops gave repair estiments at 2700 and 4300. Now as this is his personnel car and gets 45 miles to the gallon you can understand why he wants to keep using it to get to work. From a legal standpoint, as this is a personnel auto and the other driver is required to carry general libility to cover damage to aother peoples autos. Can a insurance company require him to just settle for the 1,500 dollar value of the car. Or total the car. Or do they have some kind of loop hole. How is it they can require a third party to settle on there terms? As he is not the orginator of the policy, he did not enter into a contract with the insurance provider. Can he just go get it fixed and send them the bill or have the repair compnay send it to the insurance compnay?""

What is the best but most cost-efficient insurance for a 22year old male driver who just got his license?

Used, older car (either 1990 honda or 1995 toyota). Just got his license. Want decent insurance but not outrageously price. Any help greatly appreciated - thanks!""

Where can i get the cheapest car insurance?

i live in virginia

""I only have liability insurance, how much would my car repair bill come out to be?""

I have a 2004 Nissan maxima and was in an accident this morning. Long story short, it was my fault and fortunately there were no injuries on either side. However, my insurance covers plenty for the other party, but none for me. The damages are in the front right side which includes, the headlight, part of the hood, front bumper, the side panel(but not the door) to be smashed in a bit. Further damages include windshield wiper fluid is leaking, for it was hit too. But the tire and allignment is completely fine, allowing the cop to let me drive it home. Any help?""

How do I find out how much my car insurance per month is on USAA?

What's a good short storyline for a car insurance commercial targeted for parents of teens?

OKAY! so i need a good storyline for a school project im doing! Im making a commercial with my friends with video. My topic is CAR INSURANCE and it is targeted at parents. Specifically Parents who have teens on there hands that are just about to drive! PLEASE HELP! thanksss!

For how many traffic ticket you get before insurance rate increase?

i had a speeding ticket 3 yrs ago and it was dismissed after one yr. now i just got another red light ticket. will my insurance consider this red light ticket as second ticket or first and will they increase rate?? and for how many traffic ticket you get before insurance rate increase?

Free car insurance quote?

What is the best car insurance quotes & rates site to get free car insurance quotes from? Simpler the better!? I was wondering if you guys would be able to shed a little light on the simplest free car insurance quotes sites out there for U.S. citizens specifically?

Why are teens against high auto insurance?

Whats the rule for taxing life insurance in California in 2011?

I think before it was anything after half a million is taxable and no tax in 2010...but would it be now?

I live in Austin. The business I work for is closing down. I will probably be offered a job in San Antonio.?

For several reasons I can't move there. Will I be eligible for Unemployement Insurance if I turn it down?

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?

Car insurance and deductibles?

Last year I hit a car the damage was way less than the deductible. The person had on there car. The car insurance company wants me to pay for damage plus the deductible. Is that legal. I have know problem paying for damages, but the damages are only 1/3 of what they are demanding I pay.""

How much will a careless driving citation affect my insurance rates?

https://www.linkedin.com/pulse/crazy-insurance-premium-any-way-out-eulah-rosenda"

0 notes

mechagalaxy · 8 years ago

Text

Sten Hugo Hiller - KOTM Forty with Eman Eliforp, (955029)

Mountain Climbing Mecha Combat

Brought to you by ANN, A Newschannel for Mecha Combat

Highlighting the August 3321 Fourty

Including interview with Eman Eliforp, (955029) div 7 Gold winner

Another climb on K2, 40 tons this time. Snooze company was just left on the top to try and hold the position. This would be the third event in a row they were called up, and fatigue, both in pilots and machines were evident. To my dismay, the brackets had changed again, now the opponents could be up to 100 levels above me. Paulzilla ordered me to the compound to do some paperwork. I think those piles of paperwork is harder to master than the climbs. When I returned at T-6 minutes I had been displaced to top foothill, and I saw to my dismay that Paulzilla had claimed the top. Now, as to wether Snooze Company could have defeated his forces, the answer is possibly. But one of the rules we of Star League follow is not to attack a fellow clanmember in the Climbs. So I sat waiting for someone to dethrone him so I could have a shot at the top. But the light flashed and it was over. Those who held top positions and claimed Gold, Nephilax and tickets to more challenging climbs were:

Div 1 (19 players): Fabio Favaro, Juggernaut (11m,47s) Div 2 (13 players): Paul Knight, Star League (4h,24m) Div 3 (22 players): Bob Schlomer, HF: Mecha Pirates (16h,1m) Div 4 (34 players): Caitlyn Mainer, Star League (11m,20s) Div 5 (23 players): Joshua Bourne, Northwind Dragons (1d,9h) Div 6 (29 players): Duncan Cecil Goetz, Death`s Diciples (8h,7m) Div 7 (22 players): Eman Eliforp, Dinochrome Brigade (22s) Div 8 (29 players): Ann Kristin Hiller, today and tomorrow(50m,23s) Div 9 (34 players): Leann Robb, Heroes Ranger Raccoons (seconds) Div 10 (23 players): HongKngPhooey, Battle Force Delta (22h,53m) Div 11 (13 players): manaland, Knights of Chaos (13s) Div 12 (12 players): Dick_Dastardly, Politically Incorrect (4h,19m)

Total players: 273, Total Medals 173 (of 180 possible)

Again a Climb where participation could have been higher, Div 2, 11 and 12 were not filled up this time and a total of seven bronzes went unclaimed.

The Climb was a short one, according to my timepiece it lasted about nine minutes. Three Golds changed hands during that time, all of them the last half minute. On the other hand, six golds were held for over four hours, one of them for over a day. Best Clan this time was Star League who claimed two Golds. There were no unaligned winners this time, but both Fabio Favaro and manaland managed to repeat their Gold performance from the welterweight.

This time, a happy first time winner, beaming with pride waved me trough security. Ignoring their pleas of getting out of the area he sat down at a nearby pub and bought me some beers . Scanning my entries for Eman Eliforp (#955029) I started the interview.

Sten Hugo Hiller First entry I can find of you in the archives was when you in `06 was part of Fuster Cluck in the CW. Since then you have changed clan quite a few times, although from `10 you have been mostly in IPG clans. For those of our readers that is unfamiliar with the term, perhaps you could explain what IPG stands for?

Eman Eliforp It's `Independent Players Group'. There were a bunch of clans, mostly started by Stefano Zaccaria (AKA Bot ZAC) based on Mad Scientist & Merlino e Morgana, that were swapping members for faction wars. I suggested that we should get a faction identifieer for our clans like AFF, BHG etc, and IPG was what won the vote.

Sten Hugo Hiller Thanks for the explanation. Unlike most warriors you started in the CWs and it was not before April `15 you took your first KOTM medal in the Fire and Ice tournament. Since then you have joined quite a few climbs, but this was your first Gold?

Eman Eliforp Yes, and it was a very fortunate one. The end time for this contest was starting from 7AM local time & I woke with about 10 minutes to spare. And it's lucky I did, as the contest ended at about 7.07. I was in 3rd when I logged in, attacked the leader successfully, and it was over. I'd previously slept in & missed the end of a couple.

Sten Hugo Hiller Yes, about half of the Golds were held for 4 hours plus this time. You have participated in some challenging climbs in your career. Do you prefer the unlimited or the limited ones?

Eman Eliforp I do better with limited ones. At my level in unlimited there are many players with a lot of better Huge & BFM mechs. My Silver medals have been in either this class (1), welterweight (3), Frontline Fight or Point Mech Panic. But I have also maintained a full squad of Namtars & Anzus for their respective classes. In the recent Reverse Ratman I was in Division 7 which was really an 80 ton max contest, but I am ready for Division 6 & it's `all but 2 must be Namtars' rule.

Sten Hugo Hiller That sounds like a lot of mechs, many have mentioned a lack of ferrite and crystals, how are you doing there?

Eman Eliforp I've been hitting the circuit quite a bit, where the recent change to 3X crystal per XP used has helped. I currently have about 4.5K, but within the last month that has been down to 0. Unlike most players it was always bioptics I'd been short of. At 1 point I had over 200K ferrite but under 200 bioptics. They're now around 10K & 8K. I'm buying & selling a lot of Fury lasers.

Sten Hugo Hiller Ah, yes the bulkbuy option, many have wished for just a plain conversion, but... Now, if you could design your own KOTM, what would you set as rules?

Eman Eliforp I'd been thinking that I'd like to see a Rainbow tournament where lower divisions have to run light mechs, next divisions run mediums etc. up to the top divisions running BFMs

Sten Hugo Hiller Interesting idea, from your lips to the Developers ears. Do you have any guesses or wishes for the upcoming clan war, as to format and villain?

Eman Eliforp As 1 of the main co-ordinators of IPG & having alts leading 2 of their clans, I'm not fond of the re-shuffling required for the squad Wars. I didn't mind it for the Faction Wars, as they didn't happen all that often, but it's been difficult for us to get our lineups settle in the last few months. It makes planning a bit of a challenge

Sten Hugo Hiller Ah, the challenges and responsibilities of command, How happy I am to avoid those... As a commander and pilot of seniority and accomplishments, I am sure there are many of our readers who will be interested in your recomendations when it comes to mechs, weapons and equipment. Do you have any favorites?

Eman Eliforp Late last year I won a Frigis & Skraig in a raid. As an ice specialist I love my Frigis & it's got me past some difficult opponents. It's gotten me silver in a couple Point Mech Panics. In fact much of the 150 niodes we get for claiming the `Win KOTM Gold' quest will be spent on buying a 2nd one. I just need to buy & sell a few more Fury Lasers to get the other resources I need for it. Megazomes & Smilodons are popular due to their in-built crit-kill, as well as their versitality. There's so much equipment available in that middleweight division that they can be used for almost anything. Crit-kill weapons are always nice of course. Even all my Achilles Beams are fitted to every formation I field except for Point Mech Panic, where there's bigger crit-kill stuff filling the slots. But lately I've started spending more niodes on equipment. It's starting to make a noticable difference.

Sten Hugo Hiller Thank you for these tips. Now security seem ready to throw us into the brig unless we move. any final words?

Eman Eliforp Damn Novum security. They trashed my mech & locked me up by mistake yesterday. When I started this profile, I decided from the start that it would be an ice specialist. This was because when I scouted mechs up to 75 tons, at the time there were more crystal mechs for ice & missile than the other weapons & I already had a missile specialist profile. So I put a lot of SP into ice damage which is currently at 15.33%, and decided to make 40 ton max my speciality & bought a lot of Niftels. I have 3 Buccaneers in support but always wanted a Nephilax to help the squad. Happily I have now achieved this. What was particularly satisfying about this win was A) beating a full formation of Nephilaxs, & The fact that they belonged to Jack Wade & 1 of them he got by bumping me out of 1st place with 1 minute & 23 seconds to go while in the previous Welterweight contest while I was out of battles & hatoraides. I have been running in the 40 ton max class in the wars for about 6 months now and have got a lot of defensive wins. 1 reason for this is that there are not a lot of players that have a full field of 40 ton mechs. In 1 of the recent KOTMs I was seeing (& beating) players about 20 levels above me that had to use some 20 ton mechs to fill their formation. But with my ice damage, I'm slowly building up a collection of Wargs to play in 55 ton max. I have 3 Cindrons to go with them, but only 1 is fully levelled. The other 2 are only L1 & L2. And I have a LOT of Freons for 70 ton max. They're naturally my main workhorse until I get to the level to buy Jottuns.

And we left the pub to get back to our respective commands. Any fresh winner can try to contact me after the

Upcoming event: Missile Command Bring whatever mechs you want, but take into considerations that in this event missiles deal 80% more damage. Swapping some weapons and Shields from the normal formation might be a good idea, unless you have a dedicated missile formation saved.

Event ends April 13 between 0100 and 0200 New York Time

0 notes

fesahaawit · 8 years ago

Text

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes”

[Welcome to another Financial Confessional! This time Amnesty stops by from Primal-Prosperity.com to share how drastically different her old life of buying toys compares to her recently found freedom. While I doubt all of us have bought planes or home music studios, I’m pretty sure we can all relate at some level ;) A good thing to think about as we head into the weekend!]

To the outside world it appeared we had everything. My ex-husband and I were were bringing home a combined $200k (mostly that he made) and boy did we have our toys…

his and hers motorcycles (plus a third for off-roading)

airplanes (yes, real ones and yes, plural!)

a room full of musical equipment (so that I could have my “garage” band)

and more cars than drivers – including buying and selling a car almost every single year

We were having a lot of fun, but spending almost everything we made. We had no extra savings or an “oh $hit” fund, and it was starting to take a toll on our relationship.

It hadn’t always been that way though.

I was raised to be very financially responsible and started maxing out my IRA and employer matched 401(k) since my first corporate paycheck out of engineering school. I always had a couple of thousand dollars in my checking account. My now ex-husband on the other hand, who was 31 when we met (I was 25), had never participated in a retirement fund. He told me once that he didn’t want to save too much of his money, “because he wanted to enjoy it.” It took awhile, but I finally got him signed up for his employer 401(k).

Even though we continued to put money away for retirement, we barely saved anything else. Work was inconsistent for me in the area where we lived, so I no longer had the option of a 401(k). I even switched from contributing to a Roth IRA to a traditional IRA just so that I could get some of the tax money back to have on hand. One year I didn’t even have any funds to put into an IRA at all.

At first I tried to be the reasonable one and suggest that we don’t buy every last toy. But, well, you know how that goes over in a marriage when you’re not financially compatible. And since I wasn’t the main bread winner and couldn’t control how anyone wants to spend their money, I decided to get in on the action and surrender and just have fun.

If you can’t beat ‘em, join ‘em, right? :)

Here’s where all our money went…

Let’s start with the airplanes.

Our first plane was actually pretty reasonable. It was a Cessna 150 that was selling for only $10,000. We went half in with another couple that ran an airplane maintenance shop which was an added benefit. It was the perfect little trainer for me to take lessons and solo around in. However, it seemed to always have maintenance needs so we never really took it too far and especially overnight. And being a 2-seater, we couldn’t take up other people with us either.

I know… first world problems.

So we got out of our half of the C150 and then bought a Stinson with another partner. It was a 4-seater, we affectionately called “the station wagon”. This was more in the $30,000 range, but still not too bad as we had a partner.

As an aside, I want to mention that many people are surprised to find out that a small, older airplane can be bought for the price of a car. But I remind them that it is the maintenance and upkeep that will always be the worst part from both a time and financial perspective. Hanger/tie-down fees, insurance and maintenance can easily add up to $500 or more per month, for just a small airplane. And that doesn’t even include gas!

As the saying goes… “If it flies, floats or f*cks, it’s cheaper to rent!” Although, you can ignore the last ‘F’ with the right partner and financial compatibility :)

After awhile, we just really didn’t want partners anymore, so we sold this airplane and then went back to a two seater and got a Cessna 140, by ourselves. This plane was in great condition, and with no partners, we were actually able to use it to fly on multi-day trips.

This cost us in the upper $30,000 range, so we did what any good little consumer would do – we took the money from our HELOC! We had bought our house during the boom years where housing prices doubled in a very short amount of time so we had some good equity. And, really, what good is the money just sitting there if we can’t access it?

(As all you readers know, that is not the way to use HELOC money.)

Onto the motorcycles

While my husband had always rode motorcycles, I got tired of being on the back of one. So, I bought my neighbor’s Enduro bike for cheap, at less than $2,000. It was a blast to ride, but it really didn’t go much over 45 mph, so I couldn’t use it to commute to work because I took roads that were 55 mph posted.

So, we kept that for off-roading, and then I bought a used Kawasaki Ninja 250 for a little less than $3,000. Still fairly affordable, and I LOVED that bike. I’m 5’2”, so it felt very comfortable. Even my bigger guy friends loved taking it out because it was so much fun to ride.

But then, my ego got to me and I wanted to move up into the big boy bikes. My husband had just made a recent upgrade, so I felt it was only fair for me to upgrade too. I started looking around and fell in love with a Honda 599 that was a flat black finish. While it was technically a sport bike, it sat more upright and was a ‘naked’ bike, so the Harley crowd didn’t turn their nose up at me… too much.

Out the door, it was $8,000. We were making good money though, so why not treat myself? I had been able to sell the 250 for almost the same price I bought it at, so that was something! And of course, since I went from a red bike to a black bike, I had to get all new gear to match. That was easily an extra $1,000 spent without batting an eye.

But as cute as I must have looked on that bike, with my matching gear and all, the thing was a monster for me. I knew it didn’t quite fit before I bought it, but I was told that I could have the seat cushion shaved down and re-upholstered and have the bike lowered – just to get to the point where I could barely put both toes on the ground at the same time. Sure, just about another extra grand… why not, sold!

Even after the modifications my body size to bike size still made me feel like I didn’t have quite enough control. I missed my little 250 terribly, and I didn’t ride the new 599 nearly as much as my old 250. When I finally did sell the 599, only several months later, I was able to get about $5,000 or so for it, and I was stuck with the $1k in gear since there aren’t many 5’2” female riders where I lived.

That was an expensive lesson. Did I mention that I never actually test rode the bike before I bought it either? I didn’t want to until it got lowered – another dumb lesson learned.

The music room

I love all kinds of music and have played multiple instruments throughout my life. So while we were buying airplanes and motorcycles, why not go for music equipment too? That was just a drop in the bucket as far as costs go.

So I went all in and bought drums (both an electric set and an acoustic set), then a weighted full size keyboard, guitar, amplifiers, bass, you see where this is going…

I wanted my music room so that I could play with my “band,”and the costs certainly added up. Probably to the tune (pun intended) of more than a couple thousand dollars. We never did make it as a real band, but a friend did let me play with his onstage occasionally. and at least my neighbors loved listening to us… Until one of them had a baby, haha.

Other splurges

In addition to all the toys we bought, we also went on a few spending sprees… Top of the line appliances, even though most of the current ones worked just fine, $2,000 for a dining room table, even though we hardly even entertained that much, it was crazy. Though I’ll take the sole blame for these decisions.

We also each had a car, but we still bought extra ones that cost a few grand, just for fun, even though they spent a lot of time in the mechanic’s shop. And, I insisted on expensive vacations. Let’s not forget the thousands of dollars I spent on flight training for both powered airplanes and gliders over the years too!

At one point, I even got an extra apartment to rent so that I didn’t have to commute to a new job I took. I hated long commutes, so I got a tiny studio so that I can live closer while my ex was traveling a lot for work. Only it never really felt like home, so I rarely spent any time there and would just drive back to my real home every day instead.

More money wasted thinking it would bring me happiness.

My husband still wanted and dreamed of more

All the purchases above were things we actually bought. But my husband still wanted more and more, while I was starting to want less and less as time went on.

He wanted a boat.

When I asked why he wanted one so much, he said because all his friends had one. In fact, that is the BEST reason to NOT get a boat! Why? Because people with boats love to have guests go out with them!! We always brought food and drinks for everyone, paid for gas, etc….

But, my husband still felt like a free-loader and insisted that we should have our own. We both loved to sail and we rented boats often, but that was still not enough. He wanted to ‘own’ one. Boats are a blast, but the thought of cleaning, maintaining, trailering, etc was just too much. Remember the rule of the three ‘F’s?

Luckily we never did get the boat.

I left the relationship and started fresh

When I finally ended the relationship, at 32, I needed to purge. I wanted to start fresh, so I packed up my paid off car with only what would fit in it and left everything to him.

Yes, everything.

We had an easy split of finances. We both kept our own retirement funds, I took my car and he took all the loan payments including the HELOC and all the toys. All I asked for was half the equity in the house, which he paid me over time.

I walked away from this situation fairly unscathed financially, but it was the luck of the real estate market that saved me in the end; not my own choices.

I was still far behind the curve ball when it came to saving and investing too. Even when I was on my own and making a great salary, I still had the habit of buying more than I really needed, and saving less than I was capable of accomplishing.

Sometimes habits take a while to break.

But I did gain some pretty valuable lessons, and over the next few years, in my 30’s, I started to become much more financially savvy. Through simple living, a high savings rate and real estate investing, I was able to achieve “financial flexibility” in just a few short years.

Now I live in a 320SF condotel with my current husband and I don’t even own a car. We have several rental properties with 4 owned outright, including the unit we live in. Life is good. I still continue to have first world problems, but like most people, we just need to change our mindset and realize how very fortunate many of us really are.

I’ve since learned that non-essential stuff actually makes me less happy. I don’t want to own things anymore that weigh me down and keep me trapped and location dependent, and I really don’t want to be stuck in the corporate world seeking a steady paycheck. I no longer want emotional attachment to “stuff.”

As the commercial says “if you’re going to own something, own the experience.” No maintenance costs on that!

Do I regret any of this?

Not. One. Bit.

Would I have been financially independent by now had I just saved more money and focused on a steady income? Absolutely. But while I’d never recommend that people spend with reckless abandon, I believe in living a life with no regrets. And I can’t deny that I had a blast!

I learned to be assertive, take risks, face my fears and get out of my comfort zone. These are things that money can’t buy.

One thing I will never forget is that my second glider solo flight was on September 10th, 2001. I was on a high that day, and then at a very low the next morning. It is an important lesson to remember how quickly things can change in life.

Now at 43, these are the things that I really don’t have a desire to spend a lot of time and money on. So I’m glad I got it out of my system when I did.

I also met some really amazing people, and surprisingly, I got a lot of “free” experiences out of this lifestyle too. When you hang around a small airport, you get to know people. So I got to get free rides in all sorts of cool airplanes including private jets, open cock-pit bi-planes, experimental aircraft, trikes, and on…

I got some free flight instruction, and I got to experience maneuvering (and crashing!) a hang glider that was winch-towed. I even posed as a ‘runway model’ – quite literally – for an informational poster!

[I had my bathing suit on underneath!]

All said, however, I’ve also learned that a life with minimal stuff and low spending can also be very adventurous. While I still enjoy adventures, I find that getting outside of my intellectual and emotional comfort zones can be just as fulfilling and exhilarating as physical ones.

Now I strive to seek a life of freedom, and not just financial freedom. I want freedom from location dependence; freedom from defining myself by “what I do”; freedom to give back generously; freedom to think slow; freedom to experience vulnerability; freedom to love unconditionally; and most importantly of all, freedom to know I have enough.

Thanks for letting me share!

******** Amnesty blogs at Primal-Prosperity.com, where she describes herself as “FIRE’d up, wild and free”. She has developed a workshop program called The Real World M.B.A.: Creating a Life of Meaning, Balance and Abundance which focuses on a multitude of topics like sustainable real estate investing, decluttering, location independence, and the art of setting D.U.M.B. goals. Say Hi!

Like these confessionals? Check out the previous ones we’ve shared:

“I Turned My Back on My Wealthy Parents to Live a Life of My Own”

“I Became So Obsessed With Being Rich That I’m Now Sitting in Prison”

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes” posted first on http://ift.tt/2lnwIdQ

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heliosfinance · 8 years ago

Text

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes”

To the outside world it appeared we had everything. My ex-husband and I were were bringing home a combined $200k (mostly that he made) and boy did we have our toys…

his and hers motorcycles (plus a third for off-roading)

airplanes (yes, real ones and yes, plural!)

a room full of musical equipment (so that I could have my “garage” band)

and more cars than drivers – including buying and selling a car almost every single year

We were having a lot of fun, but spending almost everything we made. We had no extra savings or an “oh $hit” fund, and it was starting to take a toll on our relationship.

It hadn’t always been that way though.

If you can’t beat ‘em, join ‘em, right? :)

Here’s where all our money went…

Let’s start with the airplanes.

I know… first world problems.

As the saying goes… “If it flies, floats or f*cks, it’s cheaper to rent!” Although, you can ignore the last ‘F’ with the right partner and financial compatibility :)

(As all you readers know, that is not the way to use HELOC money.)

Onto the motorcycles

That was an expensive lesson. Did I mention that I never actually test rode the bike before I bought it either? I didn’t want to until it got lowered – another dumb lesson learned.

The music room

So I went all in and bought drums (both an electric set and an acoustic set), then a weighted full size keyboard, guitar, amplifiers, bass, you see where this is going…

Other splurges

More money wasted thinking it would bring me happiness.

My husband still wanted and dreamed of more

All the purchases above were things we actually bought. But my husband still wanted more and more, while I was starting to want less and less as time went on.

He wanted a boat.

Luckily we never did get the boat.

I left the relationship and started fresh

When I finally ended the relationship, at 32, I needed to purge. I wanted to start fresh, so I packed up my paid off car with only what would fit in it and left everything to him.

Yes, everything.

I walked away from this situation fairly unscathed financially, but it was the luck of the real estate market that saved me in the end; not my own choices.

Sometimes habits take a while to break.

As the commercial says “if you’re going to own something, own the experience.” No maintenance costs on that!

Do I regret any of this?

Not. One. Bit.

I learned to be assertive, take risks, face my fears and get out of my comfort zone. These are things that money can’t buy.

Now at 43, these are the things that I really don’t have a desire to spend a lot of time and money on. So I’m glad I got it out of my system when I did.

[I had my bathing suit on underneath!]

Thanks for letting me share!

Like these confessionals? Check out the previous ones we’ve shared:

“I Turned My Back on My Wealthy Parents to Live a Life of My Own”

“I Became So Obsessed With Being Rich That I’m Now Sitting in Prison”

Financial Confessional: “We Used to Blow Our Money on Motorcycles & Airplanes” published first on http://ift.tt/2ljLF4B

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