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whentherewerebicycles · 4 years ago

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i am not reblogging this post from OP (posted 2 days ago, with 4,400 notes and counting) because i know that often people are just making their own vent posts on their blogs and maybe don’t expect them to circulate widely outside of their small tumblr circle! and i don’t mean to like, jump on someone who is just commenting on something and then going on with their life. but i feel like i keep seeing versions of this sentiment on leftist twitter too and i really think it is a gross misrepresentation of the bill that passed earlier this month - which is due in part to social media’s intense focus on the “stimulus check” part of the bill. but the bill was not called “the stimulus check” act! it was called “The American Rescue Plan” and it was specifically geared towards providing desperately-needed relief to the American middle & working classes. the $1400 direct payments to individuals was just one small portion of the bill. here are the far more important parts:

in addition to receiving a $1400 direct payment themselves, individuals with children receive an additional $1400 check for each dependent

college students who are still listed as dependents on their parents’ tax forms (typically so they can retain health insurance benefits under the ACA) can more easily claim stimulus money - which is huge for college kids who may be helping to financially support immediate or extended family members

unemployment benefits have been extended from March 31, 2021 (their original expiration date) to September 6, 2021

unemployment benefits will be supplemented with a $300 weekly payment (ie $300 on top of what people are receiving from their state government)

unemployment benefits received in 2020-21 are tax-exempt (a retroactive change that means people who are unemployed won’t receive a surprise tax bill counting their unemployment money as “income”)

a substantial tax credit for employers who offer paid sick leave and paid family leave benefits (ie creating a direct incentive for employers to authorize emergency paid leave)

15% increase in food stamp benefits and extension of eligibility

child and family tax credit benefits!!!! this is the part that people are describing as one of the most significant anti-poverty initiatives in American history. families are eligible for a tax credit of $3600 for each child under the age of 6 and $3000 for each child between 6-18. people can also claim a child and dependent care credit with a maximum benefit of $4000 for one eligible dependent and up to $8000 for two or more. it also expands the earned income tax credit and lowers the age limit to 19. dems also pushed to get at least 50% of the tax credit money to people this year instead of making them wait for their 2021 tax return. this calculator allows you to calculate how much families will receive. if you make $50,000 a year and have four children, you will receive $13,200 through the child tax credit alone, paid out in monthly payments of $1,100 from July to December 2021 + an additional $6,600 lump-sum payment when you file your 2021 tax return early next year. there are also some additional dependent-related tax credits things that I don’t fully understand but that seem to indicate people are eligible for even more money.

forgiven student loan debt is made tax-free (a necessary prerequisite for future efforts to cancel/forgive student loan debt)

huge expansion of grant benefits to small businesses, including $28.6 billion specifically for bars and restaurants; $15 billion for low-interest, long-term replayment emergency disaster loans; and $7 billion more for the paycheck protection program (which can only be used on payroll expenses and makes it possible for small businesses to keep workers on payroll even if they are operating at lower capacity). you can describe this as “for the economy only” if you want, but I sure feel like it will alleviate a whole lot of human suffering by allowing people to keep their jobs & paychecks even if their workplaces remain partially shut down. my dad is a small business owner and has been able to keep his entire staff on payroll through the entire pandemic. the bill also includes billions for airlines and concert venues, which will again! means people won’t lose their jobs!! plus it allocates $175 million to fund a Community Navigator Program that reaches out to eligible businesses and helps guide them through the application process—ie making it possible for small businesses to actually take receive these benefits.

$350 billion to state, local, and tribal governments

$130 billion for K-12 schools to improve ventilation, reduce class sizes, purchase PPE for employees and students, and hire support staff; of this money, 20% must be dedicated to programs designed to counteract “learning loss” from students who missed school during the pandemic

$40 billion for colleges and universities, at least $20 billion of which must go to emergency grants to students (our university has been giving regular emergency grants throughout the pandemic to students to help cover rent, unexpected medical expenses, costs related to family emergencies or lost family income, tuition bills that they suddenly can’t pay, fees associated with wifi or purchasing tech equipment so they can learn virtually)

a HUGE amount of money four housing benefits!!!! i keep seeing people yelling about how $1400 won’t cover their rent but THAT’S WHAT THE RENTAL ASSISTANCE PROGRAMS ARE FOR. $21.6 billion in rent and utility assistance, paid directly to states and local governments so they can disburse it to eligible households!!! plus $5 billion to Section 8 housing (which “must go to those who are or were recently homeless, as well as individuals who are escaping from domestic violence, sexual assualt, or human trafficking”).

$5 billion to support state and local programs for homeless and at-risk individuals (can be used for rental assistance, homelessness prevention services, and counseling; can also be used to purchase properties that will be turned into permanent shelters or affordable housing for people who are homeless). plus an additional $120 for housing counseling.

$4.5 billion earmarked for a special assistance program that helps low-income households cover costs of heating and cooling and $500 million to cover water costs

$750 million in housing assistance for tribes and native Hawaiians (who are also eligible for other benefits through the rental assistance and direct tribal government grants described above)

and then BILLIONS of dollars to support FEMA, the Veterans Affairs’ healthcare system, the CDC, and state, local, and territorial public health departments for all things related to: COVID testing, contact tracing, vaccine production and distribution, vaccine outreach, PPE, and public health education. this includes (among many, MANY other things), $5.4 billion to the Indian Health Services (division of the Department of Health and Human Services that specifically provides health services to Native people and tribal territories), $200 million for nursing loan repayment programs, $80 million for mental health training, $3.5 billion in block grants specifically geared towards community mental health programs and substance abuse/prevention/treatment programs

$86 billion for a rescue package for pension funds (esp union-sponsored pension funds) that are on the verge of collapse - collectively covering 10.7 million workers.

billions of dollars for public transit programs (and sure, public transit is important to the economy, but access to regular, reliable, affordable, and safe public transit is HUGELY important to human health and well-being! it is how many people esp in urban areas access grocery stores, health care, their jobs, childcare facilities, etc.

$10.4 billion for agriculture, of which $5 billion is specifically earmarked for socially disadvantaged farmworkers. to quote wikipedia: “Experts identified the relief bill as the single most important piece of legislation for African-American framers since the Civil Rights Act of 1964.”

tons of money to fund 100% of premiums for COBRA (health insurance for people who have unexpectedly lost or had to leave their jobs) through October 2021. COBRA is hella expensive and experts estimate that 2.2 million people will need to enroll for COBRA benefits in 2021. there are also various provisions that expand Medicaid and the Children’s Health Insurance Program (a program targeted at uninsured children in families who don’t qualify for Medicaid but may not be able to afford adequate healthcare coverage. it also fixes some things with the ACA that could’ve led to people getting surprise bills due to fluctuating income or unexpected changes in employment status.

i am SO OVER the so-called ‘progressive’ rhetoric that no good can ever come from the government, or that all politicians (dems or republicans) are basically the same level of evil and incompetent, or that ~mutual aid~ (ie small payments made between individuals in a community) is the only thing we can count on or should count on in times of crisis. no!!!! fuck no!!!! like mutual aid is great but America is an INSANELY WEALTHY country and it is such bullshit to act like we can’t or shouldn’t expect our government to take care of the people who live here. and i am also just GRAHARRGHGHH at people who are completely disengaged from politics offering their jaded and hyper-cynical hot takes on things they don’t! actually! know! anything! about!!!!!!! and in the process making other people increasingly jaded and cynical about the possibility of electing a government that actually prioritizes the needs & well-being of its citizenry!!!

ugh i’m just TIRED of leftist political cynicism y’all especially when it comes from people who have absolutely no understanding of how much WORK it takes to make huge things like the American Rescue Act happen (work that includes not just the immediate negotiation of the bill but also the years of organizing & voter recruitment work it took to get a narrow democratic majority in the senate so that we could pass things like this!!!!). I’M DONE WITH BEING CYNICAL!!!! i feel, in a totally earnest and unjaded way, that it’s absolutely incredible that dems were able to write, negotiate, and pass this bill, and i feel so so so relieved to be currently living under an administration that is flawed in many ways but is at least actually and earnestly TRYING to reckon with unprecedented “suffering in an actual human scale” (to quote OP) and is even using this crisis as an opportunity to advance major anti-poverty initiatives that will have a LASTING IMPACT on actual human lives. as opposed to our previous administration, which was made up of thousands of people who woke up every single day and asked themselves “what can I do today to further dehumanize & inflict needless suffering upon millions of people?”

PHEW!!!! SORRY!!!! JUST HAVE A LOT OF FEELINGS I GUESS!!!!!!!!

#i went into this thinking i was going to be very measured and calm #but actually i'm pretty pissed off #people fire off their hot takes and thousands of people read them and it's so! fucking! infuriating!!!#no government is ever gonna be perfect! certainly ours still has a shit-ton of problems!!!!!#but i hate the 'only option is to fully disengage & say fuck it' attitude #esp when then thousands of people read it and accept it as truth #long post

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paulinegill89 · 4 years ago

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shubhamgupta852-blog · 5 years ago

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Top 10 Summer Schools In India

1. Symbiosis Summer School: Meant for students of class X, XI, and XII. Duration 6th May to 27th May 2019. Students can choose one module from available options: (Each module will include a mix of sessions from the different SIU UG institutes)

Law + Economics + Liberal Arts

Design + Media + Photography

Business +Computer Studies + Engineering

Health Sciences + Nursing + Biomedical + Culinary

Fees: INR 120, 000 (including accommodation and meal)

Website: Symbiosis Summer School

2. The Young Scholars Programme at Ashoka University: A unique summer residential programme which introduces high school students to the idea of a liberal arts education. This is an excellent program for outstanding high school students in Class 11 and 12

Dates: Two-week programme

Location: Ashoka University, Sonipat (Haryana)

Application Fee: INR 500/- to be paid along with submission of application form

Programme Fee: INR 40000/- (inclusive of taxes)

Need-based scholarships available

For questions: [email protected] Young Scholars Programme for High School Students

3.Jindal Global Summer School: It’s a 2-week program that offers a unique opportunity to have fun, learn new things, make friends and in the process embark on a great voyage of self-discovery. Students who are currently pursuing class 9,10,11 and 12 are eligible to apply regardless of the board or school they are studying in.

Courses on offer are

· Business Management, Leadership and Entrepreneurship

· Media, Communications & Public Affairs

· Law, Justice & Democracy

· Diplomacy, International Relations, and Peace

· Economy, Public policy, and Development

· Liberal Arts, Culture, and Humanities

· Architecture, Planning and Sustainability

· Banking, Finance and Accounting

Location: Sonipat, Haryana

Fees: Website: http://www.jgu.edu.in/event/jindal-global-summer-school-aspire-india-scholarprogramme-high-school-students-ixxxi-xii

4. Amity University Summer School Programme: Amity University offers two-week summer programs in Science & Technology, Management, Communication, Creative Programmes, Law, Hotel Management, Travel & Tourism, Psychology, and Foreign Languages.

Dates: 27th May 2019 to 7th June 2019

Location: Noida

Fees- Course Fees: Rs. 10,000/- (Fees subsidized by Amity Youth Found).

Hostel Fees: Rs. 4,000/- (Including Breakfast / Lunch / Dinner).

http://Website-http://www.amity.edu/summerschool/programmes.asp

5. Young Leaders for Active Citizenship: Founded by Harvard and Oxford alumni in 2016. YLAC aims to increase the participation of young people in the democratic process and build their capacity to lead change.

The high school achievers program is one of its kind. It is designed to help young adults become active agents of change in their communities. The program will take place at three cities that is Delhi, Mumbai and Bangalore.

Fees: 20,000(depending on the modules).Scholarships are provided based on merit and the amount ranges between 25% to 75% of the total program fee.

Website- Reflect | Act | Transform - Young Leaders for Active Citizenship

6. Summer Immersion Program at Flame University: If you are a high school student between the ages of 15-18 or in grades X, XI, XII, FLAME University’s Summer Immersion Program is the ideal place for you to invigorate your mind and imagination, to figure out what interests you, and to strengthen your skills through various academic and non-academic modules.

The modules that will be covered in the program include:

Critical Thinking

Reading Literature and Writing

Contemporary Issues and Debates

Public Speaking and Debate

Painting and Sculpture

Introduction to Cultural Studies

Environment Studies with Fieldwork

Film Appreciation

Leadership and Group Dynamics

Sports (Tennis, Football, Basketball, Swimming, Badminton, Cricket)

Organic Farming

Date of the program- Batch 1 – May 12, 2019 – May 25, 2019, Batch 2 – June 30, 2019 – July 13, 2019

Fees- INR 50,000/- which includes tuition, course materials, meals, on-campus accommodation and service tax. http://Website-https://www.flame.edu.in/academics/summer-immersion-program.

7. Young Technology Scholars: is a two-week intensive summer program where students are exposed to real-world engineering and problem-solving. The program curriculum has been designed by senior faculty from leading universities of the world, in collaboration with alumni from top institutes like Stanford, UC Berkeley, HBS, IITs, and the IIMs. It’s a great program for the kids who want to explore the scientific, creative (design) and business aspects of AI, Robotics, Electronics, Optics, Data Sciences, and Bioinformatics.

Location- Gurgaon.

Program Date- 1st June 2019- 14th June 2019.

Fees: Program fee for Early Bird applicants: Rs 75,000. The program fee for Final Round applicants: Rs 90,000. Scholarships (up to 100%) are available for students, on need basis.

http://Website-https://youngtechscholars.org/

8. Doon’s Summer School Program on Leadership: An intensive but lively and enjoyable programme based on case studies, creative experiential learning, design thinking, problem solving, outdoor adventure, social service, self-reflection and group interaction, guides students through modules drawing on The Doon School’s immense experience in developing influencers, social activists and thought leaders. The Summer at Doon programme is open to interested students aged 14-18 years in Grades 9-12.

Admission Criteria: Interested candidates are required to provide the following:

A completed application form obtainable from the website:

www. Leadership - Doon School

A short personal essay

A reference from a teacher

Payment once acceptance has been acknowledged

The course cost is Rs. 1,45,000/- . This is inclusive of everything apart from pocket money and transport to and from school.

Location-Dehradun

http://Website-http://www.doonschool.com/summer-at-doon/

9. Summer Programme at UWC Mahindra College: The summer programs at the UWC Mahindra College is excellent programs to experience social awareness and multicultural diversity. The programs are usually 1 to 3 weeks long. If you want to undergo experiential learning within an international community while focussing on real-world issues (waste management, food & agriculture, sustainable human habits, religion, gender equality, politics etc.), then this is a must-attend the summer program.

Following Programmes are being offered in 2019:

 YES: Youth, Environment & Sustainability (1 – 9 June 2019)

 TGIF! Theatre, Gender, Identity, Film (9 – 22 June 2019)

 Encounter India (22 June – 14 July 2019)

Location: Various locations in India (mostly rural and semi-urban)

Fees: INR 31, 000 to 193, 000 (depending on course modules and duration)

Website: Become a Summer Student

10. India Summer School by King’s College London: In addition to the summer programs in London, King’s College London (in partnership with Lady Shri Ram College) also offers summer programs in India. You could study International Relations or Marketing Management with International Marketing. Students also get the opportunity to attend the summer program in Mumbai and Berlin.

Location: Delhi, Mumbai, Berlin, London

Fees: £500

Website: https://www.kcl.ac.uk/study/summer/spotlight/india-summer-programmes/indiasummer-programme

Nov 20th, 2019

MORE YOU MIGHT LIKE

Top engineering institutions beyond the IITs

BITS Pilani

Founded in 1964, Birla Institute of Technology and Science has challenged the might of the IITs time and again. It was recognized as one of the Six Institutes of Em“Engineering is the closest thing to magic that exists in the world.” – Elon Musk.

Mankind has unraveled this magic for centuries; from the towering structures in history to Smartphones of today and Artificial Intelligence of tomorrow. Engineering has played a crucial part in the growth of our civilization and is omnipresent in every walk of life. Indian engineers like APJ Abdul Kalam, Narayana Murthy, Sundar Pichai, Satya Nadella and many more have been game changers and thought leaders. An engineering degree is still one of the most coveted education programs in the country, and rightly so.

Chemical, Civil, Electrical, Mechanical and engineers from all other streams can leave their indelible mark in various industries including agriculture and healthcare. But it all begins with getting the engineering degree in your chosen stream inence by the Government of India last year. With three campuses in India and one in Dubai, it nurtures future engineers across various streams through high-quality education backed by a solid faculty pool.

Vellore Institute of Technology

This private deemed university in Tamil Nadu has often ranked amongst the top ten engineering colleges in the country. VIT has seven schools of Engineering and has a placement record to boast of.

Microsoft, Deloitte, TCS Digital were just some of the recruiters on campus for the previous placement season. It’s also the first university in India to implement a Fully Flexible Credit System, which gives a malleable approach for students.

Shiv Nadar University

This private interdisciplinary university was set up in 2011 but has made giant waves in the world of education in a short span. Its School of Engineering offers cutting edge programs in Chemical, Civil, Computer Science, Electrical and Mechanical Engineering. The interdisciplinary approach encourages students to choose a Minor from one of its other schools, which creates a dynamic learning experience, and well rounded, confident engineers.

Research is incorporated into undergraduate programs as well. Students can research with seasoned peers, Ph.D. scholars and gain tremendous insights through their organic mentorship. Based in Greater Noida, it has the advantage of being strategically located and its International academic collaborations are another highlight. Over two dozen clubs engage in activities for the overall development of students.

On-campus jobs are another avenue for students to get a taste of professional life and move seamlessly from classrooms to work cubicles.

Amrita School of Engineering

Established on a sprawling campus in Coimbatore in 1994, the school offers undergraduate programs in 7 engineering branches. It is a part of Amrita Vishwa Vidyapeetham University, which is accredited with the highest grade A, by National Assessment and Accreditation Council. Ministry of Human Resources Development also listed it in the top Indian Universities category. The school is known for its vibrant student life.

Sardar Patel College of Engineering

This government-aided autonomous engineering college in Mumbai has been carrying the flag for quality education in the field for over six decades. The college has four departments for Civil, Mechanical, Electrical and Structural Engineering. It has a consistent ranking and placement record over the years. The bustling student life the Metropolis has to offer is another attraction for the college.

Experts recommend looking beyond the rankings and focusing on the curriculum, faculty, alumni base, industry exposure, and infrastructure to decide the engineering college for you. And today with these top colleges scoring high on all these counts and more, you can certainly look beyond the IITs as well.

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stephleb · 3 months ago

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Premier CNA Programs in Philadelphia PA: A Comprehensive Guide for Aspiring Nursing Assistants

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Top-Rated CNA Programs in Philadelphia, PA:

1. Community College ⁢of Philadelphia – Location: Philadelphia, PA – Program Length: 6-8 weeks – ⁣Accreditation: Accredited by the Pennsylvania⁣ Department of Education -‍ Cost: Affordable tuition rates, financial aid available – Highlights: Hands-on training, experienced instructors, ⁤job placement assistance

2. Holy Family University – Location: Philadelphia, PA – Program Length: 4-6 weeks – Accreditation: Accredited by the Commission on Accreditation for Health Informatics‌ and Information Management Education – Cost: Competitive tuition fees, scholarships available – Highlights: Small class sizes, personalized attention, clinical experience in reputable healthcare facilities

3. Philadelphia ⁤Technician Training Institute – Location: Philadelphia, PA -⁣ Program‌ Length: 5-7 weeks – Accreditation: Approved by the Pennsylvania Department of Education – Cost: Affordable tuition, payment plans available – Highlights: Flexible class schedules, career counseling services, externship opportunities

Benefits and Practical Tips for Choosing ⁣a CNA Program:

– Research each program’s accreditation and licensing to ensure quality education⁢ and eligibility for certification. – Consider the program’s length, cost, and schedule to find a convenient option that fits your lifestyle and budget. – Look for programs with experienced faculty, hands-on training, and job placement assistance to enhance‌ your⁣ learning experience and⁢ career prospects. – Take advantage of financial aid, scholarships, and tuition reimbursement programs to help alleviate the cost of your CNA education. – Network with alumni, healthcare professionals, and industry organizations to gain valuable insights and resources for your⁤ nursing career.

Case Study: Mary’s Journey to Becoming⁣ a ‍Certified Nursing Assistant

Mary, a 29-year-old aspiring nursing assistant, decided to ‌enroll in the CNA program at Community College of Philadelphia after researching various options in the area. With a passion for helping others and a desire to make a difference in the healthcare field, Mary found the program’s hands-on ⁤training and job placement assistance invaluable in preparing her for⁤ a successful⁢ career as a CNA. Upon⁤ completing ⁤her certification, Mary secured a⁣ position at a local nursing⁣ home and continues to thrive in her role as a dedicated healthcare professional.

Conclusion:

Choosing the best CNA program in Philadelphia, PA is a significant step towards achieving your career goals in the nursing field. By exploring⁢ the top-rated programs, considering practical tips, and learning from real-life experiences like ‍Mary’s, you can make an informed decision that will set you up for success as a‍ Certified Nursing Assistant. Start⁣ your journey towards a rewarding ‍healthcare⁤ career today with the right CNA program that fits your needs and aspirations. Good luck!

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zipgrowth · 6 years ago

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New Higher-Ed Business Models Millions of Americans Need to Get Better Jobs

Demographic shifts and rapid-fire technological change are upending traditional postsecondary education and workforce training. In response, schools and companies alike have responded with innovative ideas, but almost all focus on applying technology—like predictive analytics, blended learning, and MOOC-enabled degrees—to student support and instructional services.

Yet new technologies often overshadow the equally urgent need for new business models.

New models are especially critical to meeting the needs of working adults and the families they support. There are some 44 million working-age Americans without college degrees who are not earning a living wage, and they desperately need better access to education to advance financially. To be sure, creative new providers—bootcamps, apprenticeships, skills academies, and online microcredentials—are emerging. But most of those alternative providers are either heavily reliant on government subsidies and philanthropic support, or target learners who are already highly-educated, and can afford to pay fees without financial aid.

Creating more educational on-ramps to good jobs is perhaps the most significant challenge that our country faces in preparing for the future of work. Our research, conducted with the Strada Education Network, has found promising models. But all fell far short of the scale needed to help millions of American adults.

If we want new education models to succeed, we also need significant business model innovation. “Closing the skills gap at scale isn’t just about seven million unfilled jobs today,” as Ryan Craig, co-founder of University Ventures and author of “A New U: Faster + Cheaper Alternatives to College” has said. “It’s about moving tens of millions of Americans from declining or stagnant sectors of the economy to dynamic sectors like technology and healthcare over the next decade.”

Here are the five key innovations that have the potential to remake business models to better serve modern learners.

1. Employer As Payer

For most of the industrial era, businesses shouldered the responsibility for training their workers. But today, workers no longer spend their entire careers at a single employer, and businesses have increasingly shifted that responsibility to the individual. With the labor market tightening and skills staying relevant for increasingly shorter periods of time, that pendulum may be swinging back.

We’re seeing employers as an emerging payer for many alternative education programs, underwriting all or part of the cost for learners. They pay directly for training, or pay a placement fee to programs that send them skilled workers (similar to a staffing-company model). Vendition, for example, runs a 3-month apprenticeship program for tech sales that not only is free for learners but pays them $2,500 a month. Other companies then pay Vendition to find and train qualified workers. Similarly, LaunchCode runs a 90-day apprenticeship program that companies fund through a new pay-for-service model. At the end of the training program, employers typically hire apprentices as full-time employees.

This model has the potential to expand access to high-quality, work-relevant training programs without increasing student debt. But because employers are the payers and, therefore, the primary customers, we must be careful to ensure that these programs benefit learners just as much as employers. Programs shouldn’t just set students up for a first job, but should give them the skills they need to adapt and grow in their careers—even if that means leaving for another employer.

2. Open Doors, Not Narrow Doors

Many, although certainly not all, higher-ed institutions are about narrow doors. They intentionally limit the number of students they serve to preserve a certain type of educational environment and to boost their apparent selectivity. New models, however, are built specifically to grow to serve as many learners as could stand to benefit from their programs.

This is a paradigm shift: from selectivity as a sign of program prestige, to scale as a sign of program success. Savvy, equity-minded postsecondary institutions are also catching on. Michael Crow, president of Arizona State University, argues that “elite” should be a moniker reserved for colleges who truly deliver excellent educational outcomes, not those who simply let few people in.

This push isn’t just about serving more people, but about reaching those who are different from traditional learners who have historically been served by the formal postsecondary system. We’re talking about parent learners, frontline workers and low-income adults.

3. Outcomes-Based Financing

The growth of short-term, skill-focused programs opens up new mechanisms for outcomes-based financing, such as income-share agreements (ISA). Under such agreements, learners pay no up-front cost for tuition in exchange for paying a portion of their salary for a set period of time after finishing the program.

Such an arrangement works best for programs that are relatively short in duration and are explicitly focused on boosting wages. ISAs are less feasible for longer programs, because the providers will not see tuition revenue until four or more years after a student started.

Kenzie Academy, in Indianapolis, offers 6-12 month training programs in design and coding, along with an optional 12-month apprenticeship. All can be funded through an ISA that charges students 17.5 percent of their income for four years after they graduate. Two San Francisco-based tech schools, Lambda School and Make School, follow a similar model. Lambda runs a 9-month online program, while Make School offers an accredited bachelor’s degree in applied computer science that can be completed in two years. In the case of all three, students don’t pay anything until their salary hits a certain threshold (typically above $50,000) and the total payment amount is capped.

While ISAs have the potential to reduce the financial risk for learners, these offerings are still largely homegrown and are not standardized for consumers. Because of that—and the relative novelty of the funds—there is a risk that consumers may not fully understand the agreement they are signing onto. ISAs also must be well capitalized, especially in the early years, in order to be viable. We need to develop standards and a regulatory framework around ISAs to ensure consumers are protected.

4. Earning While Learning

For low-income Americans, a free education isn’t free enough. Life—food, housing, childcare—requires money, and people often can’t afford time off work to pursue education.

If we want more people to pursue part- or full-time education, living stipends must be more widely available. Federal financial aid for traditional higher-ed institutions provides such support, but is typically not available for alternative providers who don’t participate in the federal system.

But providers are getting creative with how to provide support. Vendition, for example, pays apprentices while they are learning. Kenzie just partnered with Kelly Services to provide students with steady part-time work that is built around their academic schedule. And Lambda just announced a pilot to use ISAs to cover the cost of living.

5. Co-Opting the Cooperative

Co-ops—businesses in which customers are members and part owners—have been successfully used in retail, restaurants, and other industries. (REI and grocery stores across the country are a few examples.) The model has potentially interesting applications to postsecondary education and workforce training as well.

In education, this nascent approach is being built out for the first time by Klimb Hire, a new entry-level training program for learners without a degree. Learners participate in a program, structured like a co-op, that focuses on teaching skills in demand in high-growth fields, as well as on building career networks. When they complete, alumni pay back the cost through an ISA and also become part owners of the co-op. Alumni are thus incentivized to help other alumni find good jobs, because the financial status of the ISA and the co-op—which they have an ownership stake in—is enhanced when learners find well-paying work.

Turning Basin Labs

New Higher-Ed Business Models Millions of Americans Need to Get Better Jobs published first on https://medium.com/@GetNewDLBusiness

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kennethherrerablog · 6 years ago

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You Could Be Paying Less in Taxes With These 7 Strategies

They say it because it’s true: The only certain things in life are death and taxes.

While we’re still working on the whole immortality thing, we have found some ways to reduce that pesky bill from Uncle Sam each April.

Don’t worry, we’re not talking about tax evasion. Throwing some bones to the government is a way better alternative than going to jail. (And besides, who doesn’t like roads and public libraries?)

But there are some totally aboveboard ways to keep more of your hard-earned dollars in your pocket.

Here are some ways to save money on taxes that won’t get you in trouble with Uncle Sam.

1. Reduce Your Taxable Income

One surefire way to not pay income tax: don’t earn any income!

Of course, for most of us, that plan won’t work. Unless you’re independently wealthy (or Bear Grylls-ing it in the woods somewhere), you need money to live on.

But there are ways to reduce your taxable income while still earning a living — and doing them might put you in a lower tax bracket. (To review: the amount you pay in income tax depends on how much of that income you earn, with higher earners being required, sensibly, to pay a higher percentage.)

The easiest way to reduce your taxable income — without throwing in the towel at work, of course — is to contribute to a tax-deferred retirement savings vehicle, like your company’s 401(k) plan.

Wages you defer to a 401(k) don’t count toward your taxable income for the year you make the contribution, though they will be taxed when you make withdrawals later.

Depending on how much you earn and how much you put away, you might be able to edge yourself down into a lower tax bracket… all while feeding your growing nest egg and setting yourself up for a comfortable retirement. Smart finances all around!

Which leads us to our second suggestion…

2. Contribute to a Traditional IRA

Even if you already have a retirement savings account at work, like a 401(k) or a 457(b), you can still open and contribute to a traditional IRA (Individual Retirement Account) — you just need to have earned taxable income and not yet have reached age 70 ½.

What Is a Traditional IRA?

Just like that company-sponsored retirement plan we were talking about, the funds you contribute to your IRA don’t count toward your taxable income.

The exception: a Roth IRA, in which contributions are taxed today but then grow tax-free thereafter.

How Much Can You Contribute?

For 2018, you can contribute up to $5,500 to an IRA, or $6,500 if you’re over the age of 50. (Looking ahead to the future? 2019’s contribution caps have been raised to $6,000 and $7,000, respectively.)

Keep in mind that you have until tax day to max out your contribution for the previous calendar year.

An important caveat: If you’re a relatively high roller (i.e., you earn more than $100,000), you may not be able to deduct your full IRA contribution or any contribution at all.

Your specific eligibility will depend on whether you’re filing singly or jointly and whether or not you’re covered by a retirement plan at work; head to the IRS website for full details on these phase-out limits.

3. Consider a Health Savings Account

While IRAs are widely available and applicable to almost everyone, quite a few other investment accounts can get you this same kind of tax break.

What Is a Health Savings Account?

A Health Savings Account (HSA), is a tax-exempt option if your healthcare plan has a high deductible. Not only are your contributions deductible, but withdrawals aren’t taxed, either, as long as they’re used for qualified medical expenses.

How Much Can You Contribute?

In 2019, you can contribute up to $3,500 to an HSA if you have individual coverage, and up to $7,000 if your high-deductible health care plan (HDHP) covers a family.

And you don’t have to spend it all, either — you can leave funds in your HSA indefinitely since they’re not subject to required minimum distributions. (And if you’re like most of us, you’ll have more health care-related costs as you get older, anyway.)

However, do keep in mind that if you receive Medicare coverage, you might not be eligible to make HSA contributions, since you’ll have coverage outside of your HDHP.

4. Put Your Kids Through College

If you’ve got kids, chances are you’re already gritting your teeth just thinking about paying for college — even if you’re not planning on paying for all of it.

According to U.S. News & World Report, average costs range from $9,716 to $35,676 for a single year of education, so it’s important to get ahead of that bill now.

What Is a 529 Plan?

A 529 plan is an investment vehicle specifically built for educational savings. You can use it to pay for your kids’ college tuition — or even to send yourself or your spouse to school. The exact tax benefits vary by state, and the contributions aren’t deductible on your federal return.

But more than 30 states offer full or partial tax deduction or credits on 529 contributions, and the funds are allowed to grow tax-free. They won’t be taxed on withdrawal, either, so long as they’re used for qualified educational expenses.

What Expenses Qualify for the 529 Plan?

What qualifies, you ask? College tuition, fees, books and computers all count, and in some cases, it’ll cover room and board. You can also take out up to $10,000 per year to pay for tuition at private or religious K-12 schools. (That’s $10,000 per beneficiary.)

But if you try to take the money out to pay for red Solo cups, you’ll be subject to regular income tax on the withdrawal, as well as an additional 10% penalty. So keep those noses in the books if you want to keep your own books nice and tidy!

5. Give It Away

Looking for a way to save money on taxes… and get that warm, fuzzy feeling? Charitable donations are tax-deductible, and they can be a great way to lower your overall tax liability.

The easiest way to go about this strategy might be to just write a check to your favorite charity. But if you’re KonMari-ing your life, you can also itemize those trash-bagged Goodwill donations as deductions. (Of course, you will need to say “yes” when the attendant asks if you want a receipt, should you want to do so.)

But Keep the Books

Of course, doing so does mean keeping track of the estimated value of each of those old t-shirts and coffee makers. But lots of tax software includes tools to help you.

For instance, TurboTax’s ItsDeductible module will keep a running tally of your donations year-round, and help you make those value estimations in the first place.

The cans you drop off at the local food bank count, too, as do certain out-of-pocket expenses incurred by volunteering, such as gas and mileage.

You’ll save money while serving your community — what more could you ask of a tax-reduction strategy?

6. Know Your Deductions

You may already know that certain expenses are tax-deductible. But which ones, exactly?

Major medical bills: If you’ve spent more than 7.5% of your AGI (adjusted gross income) on qualified medical expenses, you may be able to write them off.

Student loan debt interest: Deductible up to $2,500

Mortgage interest and local property taxes: These may both be eligible for partial deductions — and if you’re a first-time buyer, you may be able to make penalty-free withdrawals from that IRA we were talking about earlier.

Charitable donations: These have a tax-deductible status, as mentioned above.

Business-related deductions: If you’re a freelancer or you work from home, you should also look into business-related deductions, like the cost of your home office space.

You might also be able to deduct certain supplies, travel expenses, and even meals and entertainment. Here are the full deets on freelancing deductions.

Itemizing your deductions does take time, however, and not everyone has enough to supersede the standard deduction — which is a fairly hefty $12,000 for single filers and $24,000 for joint filers in 2018.

So if you haven’t footed any of the expenses we mentioned, consider skipping this strategy.

7. Take Advantage of Tax Credits

In certain scenarios, the IRS extends credits to eligible taxpayers — for instance, those pursuing continued education or returning to school.

American Opportunity or Lifetime Learning Credits: Depending on your enrollment status, AGI, and how you’ve paid for educational expenses, you may be entitled to the American Opportunity or Lifetime Learning Credits, along with tuition and fee deductions. (Check out this quick quiz from the IRS, which will tell you if you’re qualified in just 10 minutes.)

Earned Income Tax Credit: If you’re not quite making fat stacks, you might be eligible for the Earned Income Tax Credit, a benefit the IRS extends to low-to-moderate earners.

Your credit depends on your exact level of income as well as your marital status and number of dependents. For details, check out the IRS’ Earned Income Tax Credit fact sheet.

The cool thing about tax credits is that they don’t just reduce the amount you’ll pay in income taxes. Rather, they count as an actual reduction of your total tax bill.

So, for instance, if you would have owed $500 and claim $1,000 in tax credits, not only will your payment be waived — you’ll also receive a $500 return.

3 Ways to Save Money on Taxes Today and Tomorrow

While the strategies above are great ways to get ahead of a nasty tax bill this year, taking a proactive approach can help you pay less in taxes every year hereafter. Here are our suggestions.

1. Adjust Your Withholdings.

If you work for an employer, you’ve filed a W-4 — which is the document where you specify how much of your wages should be withheld for taxes.

It might seem intuitive to keep your withholdings as low as possible so you keep more of your paycheck in your pocket. But if you found you owed money in April, you might want to go in and tweak it so you don’t run into the same problem next year.

2. Automate Your Contributions to Those Tax-Deferred Accounts.

Chances are your employer automatically deposits your deferrals into your 401(k). But if you open an IRA, HSA or 529, you’ll have to make contributions manually… and it’s all too easy to forget to do so (or, let’s be honest, spend the money on something else.)

Most account providers will allow you to set up automatic contributions on a regular basis, be it weekly, bi-weekly, or monthly. That way, you’ll be sure to add enough funds to the account to significantly lower your tax bill while boosting the savings you’ll use for those qualified expenses down the line.

3. Work for Yourself? Don’t Forget to Pay Your Quarterlies!

Freelancers get a lot of autonomy, but it does come with a substantial drawback: Nobody’s withholding your taxes for you, so you’ve got to pay them yourself.

And if you don’t keep up with your estimated quarterly tax payments — or if you forget about self-employment tax, which adds an additional 15% to the usual 20% — you could be facing a downright scary situation come April.

So funnel about a third of every paycheck you make into a separate account, and label it “PROPERTY OF UNCLE SAM: DO NOT TOUCH.”

It can be painful to see how much of your hard-earned hustle money has to be shipped off to the government… but not nearly as painful as having to cut a five-figure check come springtime.

Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool, Roads & Kingdoms and other outlets. Learn more at www.jamiecattanach.com.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

You Could Be Paying Less in Taxes With These 7 Strategies published first on https://justinbetreviews.tumblr.com/

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sparklyeaglepoetry-blog · 7 years ago

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Auto insurance broker fee in CA?

"Auto insurance broker fee in CA?

Hi I live in CA i just bought a new 2012 hyundai and went to get insurance through Freeway Insurance and I signed up for a 12 month premium with Farmers they did not tell me anything about a broker fee until after i signed all the paperwork. I am 20yrs old and paying $220 a month for full coverage. They charged me a $275 Broker fee I just want to no if this is even legal or if they ripped me off! I walked out spending $560.00 Are they allowed to charge such high fees I will call my credit card and have them refund it immediately if they ripped me off. Please help. Open to all answers thankyou!

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

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How could higher deposit insurance premiums for banks with riskier assets benefit the economy?

If I get my g2 will my parents insurance rise?

I would like to get my g2 in october, but not get insurance and start driving alone until november. Would this raise my parents insurance from just getting my g2. Also, if i have an 80% avg at midterm, will it lower the cost of insurance? If yes then would a 90 avg lower the insurance cost even more?""

Question about car insurance?

I am about to get my first car ! but i have to wait until the guy at the car lot gives me the ok to pick it up but I was wondering about insurance do I get the car first and then get the insurance or vice versa? because what if something happens and I would get pulled over do I just say I just got the car and the insurance is about to start up? thanks in advance.

""What's Cheaper to Insure, Audi, BMW, Mercedes, Volkswagen ?""

I'm 21, Here are my options. 2008 Audi A4 2009 BMW 328I 2007 Mercedes c250 2010 Volkswagen GTI or Golf. How much do you think rates will be.""

Auto insurance broker fee in CA?

How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?

Im looking just to get an estimate.

Car insurance confusion?

Hi i'm 18 and my driving test is coming up soon and i always look for quotes on cars to see for the future. My mum said she will possibly give me her car and get a new one if i pass. But on insurance quotes for the car i will be getting i will be the main driver but not the policy holder or registered keeper as i still live at home with her and she will still use the car to go shopping and things like that but I will drive that car the majority of the time. So because i am the main driver on this quote and will drive it predominantly it is not fronting? However my mums no claims will be put on this quote as opposed to her other car so is that still ok? And who will get the no claims bonus at the end of the quote the main driver or the policy holder and if its the main driver will my mum still be able to use her no claims on another car if i gain my own? Sorry for all the questions i just want to make sure i'm not going to be breaking the law on any possible quotes i may take out Thanks in advance.

Why is Obama all of a sudden denying HIS OWN WORDS health insurance made over YEARS?

in his OWN WORDS: http://www.breitbart.tv/uncovered-video-obama-explains-how-his-health-care-plan-will-eliminate-private-insurance/

Is bike insurance cheaper then car insurance?

Private Health Insurance options for 62 plus individual?

My aunt (in California) is 63 years old and she has asked me to find a private health insurance for her. I was informed that anyone that's over 62 can't have a private insurance and MUST only use Medi-cal or Medicaid. Is that true? She asked me to check with Aetna, Blueshields, UHC, etc. Any thoughts whether she can get a private insurance from these companies?""

""What kind of life insurance is better for me, term insurance or permanent insurance?""

Is there any advantage to permanent insurance over term insurance or vis versa? I mean, basically it looks like term is the better deal because I can buy more death benefit for a lot less money, but permanent insurance gives me money with a death benefit. I'm in my late 40's, have a wife and 2 kids, normal bills, mortgage, etc. Does anyone have any opinions about what is really the better deal long term?""

My company was bought out - Can I get unemployment? What about my health insurance?

I need some advice. I am an assistant manager at a small call center where I have worked for around 5 years (3 of them full-time). It was just announced to me and the manager (the only 2 full-time employees), that we have been bought by another call center that is not located in our town. The manager is relocating and has been offered a full-time job at their main office (with what I am assuming is a decent raise) about 4 hours away. I am being offered a possible part-time job at a lesser position some 3 hours away - there is no garantee. Well, I have kids so there's no way I'm doing that for a measly part-time position with no benefits. I will be without a job as of May 31st. Our part-time workers will be finding out about the closure on May 1st. For those employees that would like to stay through until the end, they will be offered a monetary bonus or compensation. I doubt it's more than a few hundred dollars. If I cannot find another full time job by then, would I most likely be eligible for unemployment? If I take the bonus money at the end, does that mean I wouldn't qualify? What kinds of questions should I be asking before this happens? I have health insurance for the first time in my life - when does that usually end?""

Who has the best car insurance?

Im looking for car insurance, and I need it soon. Sorry for the flood of questions, but no one is answering... And now the question- How has your insurance company been to you? Since most of the companies I've looked at have similar rates, I have the freedom to choose a company not by pricing, but by how good they actually are. I've spent hours searching reviews of all the major players, and I've seen almost exclusively horror stories about how bad the companies are once you file a claim. Geico, Allstate, and especially progressive (defended policyholders killer in court to weasel out of paying out claim), all seem to have a pretty bad reputation among their customers. Now I'm not a fool, I understand that most reviews are written by people who have been wronged. People are much less likely to write a positive review because their company has followed through, as this is what is to be expected in the first place. It is entirely possible that behind that sour review, there are several satisfied customers who didn't feel a need to review their service. If any of those people read this, please help me out with this choice. Additionally, anyone who may be in the wronged group, if you have a reason that you would not reccomendation your insurance co please let me know! Thanks for any help!""

Will my insurance go up?

Earlier today at around 7pm I was in my first car accident. I just got my license a month ago and I am 16. Anyways, I was at a red light and the turning lane had a green light but my lane ( going straight ) was red. I was the first in my lane and some guy in a brand new mustang smashes into the back of my car ( 2003 Lexus ES 300 if that helps any ). The airbags didnt deploy but I did hit my head and my neck kind of hurts. My mom was the passenger and told me to deal with it because she just got out of the hospital. The first thing I noticed was he was exiting the maps app on his phone when he got out of the car. Maybe he was on his phone when he hit me? Anyways, the other driver and I exchanged insurance cards and licenses and I noticed he was from Maryland and we are in California. The car was a rental and he didnt mind if I reported it. Now, here are my questions. Why didnt the airbags go off if I was hit? ( I was in neutral btw because I read that it saves gas ) and if I report this accident will my insurance go up even if it wasnt my fault?""

Insurance Coverage for Motorcycle Helmet and Jacket?

I recently Just completed a claim for an accident I was in, The insurance (progressive) is going to reimburse me for the Jacket and Helmet. The Helmet has a little scratch on the lens and that's it. the lens is easily replaceable. the Leather Jacket has a light scuff on the arm. I spoke to the local claims representative and He said that he will come by and pick up the Jacket and Helmet and throw them away. I thought I was told with the when I bought the policy that I can do whatever I want with the Accessories, meaning I could throw them away or use them or fix them up. Now what I want to know... Is the Claims representative trying to get the Jacket and Helmet for himself or is this really Policy? to throw away $600 of equipment that's still in great shape and hardly used?""

What is the cheapest way to insure a first car?

I want a ford ka which luckily I one of the cheapest cars to run and insure for young drivers. Is there anything else I can do (except from the black box as I have 3 siblings I will need to drive around) to make the insurance cheaper? My parents both have quite good jobs and are willing to pay it but they would like to pay 1500 p.a maximum if possible.

""Honda Sport 1.6 Insurance for an 18 years old, second driver...?""

I am looking to get 2004 Honda 1.6 Sport and I am only 18. My dad is planning to be the first driver and me as a second when it comes to the car's insurance. Guys, how much do you think the insurance would cost us?""

What is a good long-term health insurance policy for international stays?

I am planning to move to Germany in spring and require acceptable, long-term and affordable coverage. What is a good company and policy for me to look in to? I've seen several offers but only one I could afford because it had a deductible of 10k$. Is there better?""

Insurance for Ferrari?

I'll be 25 soon, when car insurance traditionally becomes cheaper - but I've only been driving for a couple of years and am on my father's insurance so no no claims bonus for me to amass. I'd quite like to buy a Ferrari before I'm 30. What's the best way for me to handle the insurance companies?""

National insurance Number?

is it possible to get a job without requiring National insurance Number?

Car accident/Insurance options?

a friend was trying to pull around a city bus that was idling for several minutes to catch a left turn on a green light ...when the bus went in closer to the curb, its backside jut out and her car swiped it she is a new driver and new to the country and she continued where she was going without stopping. pretty shook up. She claims she didn't think it was too bad, a swipe, the mirror was gone and she just took it as a loss. But when she got out, she realized there is damage all along the side, from front to back, including the mirror missing and a serious dent on the front passenger (the front is peeled back, exposing the hinge mechanism. Rain now gets in through the top as the seal is broken as well. She is insured and believes she has coverage but she's scared cause she left the scene. This was 3 weeks ago - there has been no follow up. She hasn't called the police but kept an eye out for whether or not it was reported and she needed to come forward. It was in a pretty run down part of town. Anyway - I don't know what to tell her so i'm coming here - can she report this to insurance and admit that she swiped a bus and didn't stop? Will they fix it, up her insurance, and move on or will they investigate into the bus - making her pay for the bus and having the legal issue of leaving the scene. - not sure what to tell her??? She's also considering just putting a new skin/shell on the door was affected - not seeing if this is possible though - replacing the entire door is expensive and seems unnecessary. Any insight is greatly appreciated.""

Is commercial auto insurance much more expensive than personal?

I have a little Mr. Fix it business on the side and I carry a few tools in my SUV. I am thinking of getting a commercial auto policy. Will it be more expensive than personal and how ...show more

Where do I get cheap car insurance in california?

Car insurance while deployed...?

My husband is in the military and is currently deployed overseas and I had a question about his car insurance. It does have a loan out on it so that requires us to have full coverage on it normally...I was wondering that while he is deployed and since his car is not going to be driven (there is no way I can drive it since it's a stick shift and I can't drive those lol) if we could lower the insurance on it. I'm just not sure if we'd be able to because of the loan...or does it depend on the bank/insurance company? Thanks for any info!!

What medical insurance company should I get?

What medical insurance should I get? My employer doesn't provide medical benefits anymore. I don't want to spend alot and I live in California.

California Lawyer Malpractice Insurance Requirements?

Does a lawyer in California have to get Malpractice Insurance in order to take clients? For example if a newly admitted lawyer wanted to do a simple will for a family friend, would they have to obtain insurance first or can they take the case, at their own peril, and collect a fee for it?""

""How much do you pay for car insurance in dorchester,ma ?

2006 Nissan Murano SL AWD or similar car.

Compare long term insurance prices?

compare long term insurance policies from the recomended insurance companies genworth, metro life, coastline federal, ltci""

Can I wait to report damage to insurance company till car payed off?

My car was parked on a busy street in icy conditions and when I returned to it, it had clearly been hit but no one left a note, etc. It will probably be very expensive to fix...although it is only cosmetic damage and it isn't horrible. In fact, from a distance, you don't notice it much. Anyway....my husband passed away recently and my finances have been limited. I have full coverage on the car (It is a 2004 ford escape)....because I am still making payments on it. We have a $1000 deductible, which I cannot afford right now. Besides, my brother-in-law tells me he can spruce up the damage and make it look better..and of course won't charge me much for that. So....here was my plan. Please tell me if I'm doing anything illegal here or just tell me if my plan will work: So...I'm expecting a large enough tax refund that I can pay the car off in March if I choose to do so. Once that is all complete...and before I drop my full coverage to just liability, I was going to report the damage....and go through the process of getting estimate, etc...and then not have the car fixed and just take a check. With that check, I was going to pay off some other bills I'm very behind on (mainly hospital bills). That plan will help me get my finances in order and get out from under debt. But I'm not sure if I'm thinking clearly on this! Someone please tell me if this plan is an option. Thank you!""

Where can i get low cost motorcycle insurance ?

i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""

Auto insurance broker fee in CA?

Car insurance question.?

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

Can anybody give me an idea on car insurance?

Im 18 year old and am from the uk i want to buy a mazda 2. i hold a clean uk driving liscience and would like to no if anybody has a rough idea how much per year i will pay for car insurance.

Cheap UK car insurance companies for 18 year olds?

Im 18 and paying 2600 a year for a 1.1 peugeot 206 with insure2drive found on confused.com. Ive been driving for 6 months with no ncb but i have my parents on my policy as 2nd and 3rd drivers. Does anyone know any cheap insurers or know anything i can do to get the price down?

Do I have to insure my son when he turns 16?

My auto insurance company called me yesterday asking for the names and birthdays of my children. I refused to tell them anything. My oldest son will turn 16 in November, and I was not planning on adding him as a driver, because we have full coverage insurance and I thought that would cover anyone.""

""What kind of qualities should I look for when purchasing a car? ie insurance, modern elements...?""

For experienced buyers: As an entry level analyst looking to purchase a car, I was hoping to get some ideas about my first big purchase. My norm has usually been purchasing something and regretting it some time down the road ie Bought a Dell laptop, turns out it heats up a lot. Or a new smartphone (android), turns out it freezes plenty. So I want to purchase a car, and was hoping if someone who is experienced could possibly take some time off to tell me what I should look out for. I understand insurance is a *****, and even though cars are affordable on lease, the insurance will get you. My objective: Car : Lease a pre-owned or 2nd hand car, possibly 2012 or 2013 model, 4 door, sedan. Insurance : Max coverage, low payment (ideal but, shoot for the stars and....) Questions: I understand there are qualities or modern elements like lane stabilizer and effective cruise control that can reduce insurance coverage. How effective can they be? What kind of sedans have low insurance and are modernistic, such as built in navigation and those cool looking monitors? (kind of childish) Which insurance coverages are the most important, there is basic, comprehensive.... If you need additional information, I will be checking this question hourly and will be glad to provide additional information. Thanks!""

Baby Insurance at 19?

I doubt it will, but, I am 19 years old and I am still on my mom's insurance plan. So if I were to get pregnant, would the insurance cover my baby's delivery and pregnancy appointments or would I still have to pay the noninsured payments.""

On average how much does it cost to insure an apartment building?

I am looking into purchasing 2 triplex apartment buildings. They are both brick buildings built in 1990. Both have been maintained fairly well and have a really good price on them. ...show more

How much would car insurance and Tax cost?

Im 17 and I have a decent amount of money saved up and im interested in buying a 2nd hand car for around 1000 euro but i have no idea how much the tax and insurance is going to cost and how often you have to pay it, so if anyone can help me it would be great. thx u.""

How expensive is car insurance under my own name rather than my Mom's name?

My mom's car insurance covers me...but they are threatening to take me off her insurance over something stupid. Does anybody have any idea of how much more expensive it is if I get my own car insurance under my name instead? I'm 23, male, in Ontario, Canada.""

What is the average cost of car insurance?

I have no insurance and need an abortion?

Please dont judge im young and recently found out im pregnant. But im not ready for a baby... I would love to keep my child but if my parents ever found out they'd literally disown me. I have no insurance and I dont know how much an abortion would cost. I was thinking about getting the abortion pill still not sure. How much would that cost?I checked online but it didnt say anything about abortion.

Do you think $250/person premium for supplemental insurance for seniors too high?

If so, could you recommend a cheaper one that you may have?""

Crazy insurance rates wtf?

I am a new driver just got my license. To add me to their policy its going to be an additional $330 a month! The car is only worth 5,000. What should i do?""

Im turning 16 and i was wondering waht my insurance rates will be?

What are the average insurance rates?

""I haven't had car insurance for the last 8 years, am I going to pay high rates?""

I've lived in the city since 2002 and haven't owned a car. I'm now moving out, and will need a car once again. Does this mean I'm going to pay high rates, or it won't matter?""

Can i drive without a insurance card?

I will get my car tomorrow and i will have it insured the same day but it takes like a week to get the insurance card for the car. Can i drive without the insurance card? I would have the insurance on the car. Could i drive around without the insuance card?

No auto insurance on loan vehical in california?

My auto insurance through farmers insurance has lapsed as of December 1st on my vehicle which I have a loan through coast hills banking. I really am having a hard time getting the money together to get it going again. I told my husband even if a couple Bills go behind I have to pay it by Feb because I'm getting very nervous that it will be taken From me. Has anyone ever had to do this before? its my first time in this scary bind but I got in an auto accident that took my insurance money from me to pay for it so can someone tell me if its possible to loose my vehicle? Thank you

My daughter wants me to put car insurance in my name?

she wants me to put car insurance in my name for her husband he cant do it cause it would cost alot he has alot of speeding tickets and a dui plus he has lost his driver licenses my record is perfect what do you think i didn't even know you can do that im in ohio

Car insurance? Do they check your credit rating?

I have just phoned to change my insurance over to another car, and was told twice that it was declined - firstly, he said due to the group of insurance, and secondly, I was told that the operator had a system problem. I am a bit concerned as I know my credit rating is bad at the moment, but I am trying to better it, and I don't know if this is why my insurance was declined? I thought that they had to tell you if they carry out a credit search, but nothing was mentioned and I don't particularly want it going against me if it was searched twice. I have paid my insurance for the year, and was going to pay any extra instantly, so there would be no need for a credit search as far as I can see. Does anyone have any more information on whether they credit search you or not for this?""

I am 17 and pregnant and don't have health insurance?

i just found out i am pregnant and i am 17 ill be 18 in june. I DO NOT BELIEVE IN ABORTION!!!! i don't live with my mother or father i live with my aunt and grandma.... i have no health insurance and that is a big problem because how am i going to pay for the doctors and delivery.... can some one please help me finding some place that can help with insurance for the baby and me. P.S i live in california . and please don't even bothers answering me if u have nothing good to say because i do not need your immaturity. Thank you so much for you help :)

""What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage?

I am a single father of 3 kids and looking for health/dental/vision insurance for my family. We don't really go to the doctor as much but still want decent coverage in case I need to do so. Any ideas? Am based in Southern California.

Help with car insurance?

I am 16 and my dad wants me to pay for my own and i want to i just want to know the cheapest car insurance so will you please post a url that i can go to?

Are BMW's really expensive to repair/insure?

i wanted a bmw as a car, and my dad was going to get one, but then my uncle told him they're really expensive to repair/insure. ( i think he was just saying that because he couldnt afford it :/) but i feel like he is right because its a foreign car. so how much more would it cost to get a bmw than like a ford chevy or pontiac?""

How much does it cost to add a person on ur insurance?

i was wondering how much it would cost to add someone with their permit on to ur car insurance, this dont have to be an exact number just and average number. If any of you know plz let me know cause i am trying to figure this out, thanks for your help.""

What health insurance company is the best value?

I want to sign up for health insurance but I'm not sure which company to go through as there are so many. I'm a 21 year old male with little income (about $1200 a month) with no dependents or job benefits. I went through the healthcare marketplace from the federal government which just said I need to get medicaid. I'm in the process of applying for medicaid as well. But if the medicaid doesn't work out or isn't very effective what is anyone's opinion on the best insurance company for me. I'm looking to spend only around $100 for a monthly premium. Any feedback will help me narrow it down and know what to consider. Thanks for the help.

Auto insurance broker fee in CA?

Can you have your SR22 insurance with a different insurance from you auto insurance?

I have my SR22 insurance with one company andy my auto insurance with another company? Is this OK?

Where can I get cheap car insurance for a 17 year old?

I need car insurance preferably under 3000, I can be a named driver on my dads insurance (he's been driving over 25 years and has 5 years no claims bonus). I have tried comparison websites and even for a 1L 1998 Vauxhall Corsa, they are quoting around 7,000 - it's daylight robbery!!! Where can I get cheap(ish) insurance from? What type of cars are best (eg new/old, engine size etc)? Thanks.""

How does life insurance work?

Homeowners insurance or renters insurance?

Okay so the person we were renting from had bought a house and is owner financing it for us. We just moved in and I was calling around about insurance and have been told so many things it's ridiculous! A few insurance companies told me I need homeowners insurance and a few told me I need renter insurance since the title is in his name not mine which makes sense but I don't want to end up with the wrong type of insurance. Help?!

Can I sue my auto insurance company for an at fault accident with an insured driver on my policy?

I was a passenger in my own vehicle during a near fatal accident where the driver, who is an insured driver on my policy, had road rage with another driver. The driver ended up receiving a DUI as a result of the accident. I tried to sue my auto insurance company for under/unisured motorist, but since the accident was a sole vehicle accident, the insurance company would not settle for my injuries. Due to the nature of the accident and the result of the driver being intoxicated, the auto insurance company accepted liability for the driver's negligence and tried to settle for $4,200. I ended up hiring a lawyer because I have an unpaid hospital bill in excess of the settlement amount. In addition, I have had complications from my injuries and need lifetime treatments. We have an arbitration hearing next month, but the driver is only named on the lawsuit, not my auto insurance company. This accident happened in Pennsylvania and I had full tort, stackable, 100,000/300,000. My question is...why is the insurance company not insuring the named insured driver (who by the way happens to be my husband), on my insurance policy?""

""Male vasectomy requirements in california,and does cigna cover it?""

i want to get a vasectomy,made up my mind 100%,main reason is cuz i don't want to end up a financial slave to any women,and would relieve alot of stress from my life.i am 24,from california,never had any kids,can i just go up to the doctor and tell him that,or do i have to stretch the truth and make up a story like i have 2 kids somewhere in mexico or something like that?i make about $24,000 a year.i know they also charge for vasectomies based on your income.also does cigna insurance cover it?""

Car insurance?

how do i get cheap insurance for my son, he has only just passed his test couple of weeks ago. we stay in the UK.""

Car insurance for 300 to 500 dollars a month?

Are there any insurance plans for cars that cost 300 to 500 dollars. I have a bugeting packet for my twenty first lit class and I wanted to know what insurances would have car insurance at that cost. Thanks!

Best Type Policy Life Insurance Quotes for Elderly?

Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a month with a spouse would be appreciated. He has a soon to expire term life insurance policy at the present. He wants the best for his money. Is a term insurance policy still the best type of policy or would another policy be better?

Can I Sue My Auto Insurance Company?

In 2005, as part of our divorce agreement, my ex and I decided to keep the same auto insurance but under separate policies. We had been with this company for years. My policy was on auto pay meaning that the payments were taken directly from my account. He walked in to pay his. About 6 months after the divorce, I was pulled over for a routine traffic stop and was told I was driving an uninsured vehicle. Without insurance, my registration was also invalid. Both tickets totaled 1K. My car was taken into impound. I checked and found the officer was correct. On good terms with my ex, I told him what happened. He said for the past 6 months, each time he went in to make a payment, the girl HIS was already paid. Realizing what had happened. They were applying my payments to his automobile. I was furious. I notified the agent who initially did not want to accept blame, but since the payments were automatic and my account number was on each payment they took, they were responsible. The error was compounded by the fact that the cancellation notice went to HIS address (how dumb was that!) So I had no way of knowing that I was cancelled. I was without a car for 2 weeks and lost my job. After much haggling and many sleepless nights of wondering what to do without a job or a car, the insurance company finally admitted blame, paid the impound fees of $1,250.00. The agent also said they would handle the 2 tickets totaling 1K. FAST FORWARD TO 2010 in my state, the county did a scofflaw sweep and I was summoned to court with over 5 thousand other delinquent drivers to address unpaid tickets. The order was come to court by April 30th or be arrested. Realizing this had to be a mistake, but fearful of the law, I stood in line for over 5 hours in blazing heat, then sat in court another 5 hours waiting for my day in court. I was immediately threatened with arrest because the 2 tickets were not paid. Up to that moment, I had no idea the insurance company had not paid the 2 tickets. This time, not only was my insurance and registration cancelled, my license was suspended due to the age of the infraction (5 years). In front of the judge, I called the agents' office only to be told by the secretary that they had no intention to pay the ticket. Paying to get the car out of impound was enough. When the judge heard this she was shocked and let me off with a promise to pay in 5 days. She made me promise not to drive. With no way to get home but drive, I took a chance, and was pulled over. The officer informed me that due to the vast number of outstanding cases, tags bearing our county name would be targeted for a while (talk about a police state!). I showed him my documents from the court and headed home. This is a nightmare. Would I have a case if I filed suit against my insurance company for failing in their fiduciary responsibility to a 16 year client in good standing? By the way this company is one of the largest in the country.""

Where can I get the best price on private medical insurance?

Does anyone know the average cost for car insurance for a 18yr boy for a firebird?

""Can a driver without a motorcycle license, insure a motorcycle?""

To be more specific, here is the story. I am a 20 year old male from Illinois and getting motorcycle. Insurance is something I dont want my name in, well I want to be a second driver. The question is can the insurance be written to my dad, who does not have a motorcycle license. He does have a regular license. I know that second drivers are insured. So I would be paying less money for insurance, but I would be able to drive my bike. My dad will be getting a license, but first needs a motorcycle. So again can he get insurance on this motorcycle without a license?""

Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

Michigan Motorcycle Insurance?

I live in Michigan I only ride my motorcycle during the spring and summer, which comes out to be about 6 months of the year. the rest of the time the bike is stored, with no riders. My question is can I get some sort of insurance where I'm covered for six months and the rest of the time it in storage it's on a storage like insurance? I know you can in New Jersey because my friends have in however can you in Michigan? if so could you post a link or where you got this infor from so i can contact them further thank you""

What's a website that tells you the average insurance of a car?

Lets say for a Mustang GT? I'm think of getting one but don't know how much the insurance of one is. Thanks.

Does driving school affect insurance rates when over 21 in Massachusetts?

I am 21 and have never held a drivers license before. I would like to get it now, but I do not want to take the classroom portion of driving school, just the road lessons. However, my father would add me to his insurance plan since I'm still living with him until I complete college and grad school. He is worried about insurance rates being too high without driving school. Would this affect my insurance rates since I am over 21?""

On average how much is horse insurance for a 5yr old 16hh Thoroughbred Show Jumper for example?

I'm trying to calculate expanses for when I get my own horse. I will most likely be getting a Thoroughbred around 5 to 8 years of age. I will have him/her for Show Jumping purposes including competing. On average how much will insurance cost for this horse?

Homeowners insurance vs. property taxes?

which typically costs more homeowners insurance or property taxes?

Auto Insurance at 16?

How much could I expect it to be? I do live in Texas. I will be getting my permit soon (after I'm done with drivers ed), and to drive with it, I will need to be on my parents auto insurance, and I have to pay for it. I will not have a car for the time being so it shouldn't be really high?""

Which private dental insurance is the best and how much does it cost a month?

What would be an inexpensive car insurance company for drivers that dont have the best record due to speeding?

i live in Jacksonville,Fl if anyone knows a cheap insurance company""

Why are there not provisions in the ACA that put caps on how much health insurance premiums can increase?

I just bought into a health insurance policy as I work 2 part time jobs and get no benefits in those jobs. Now my health insurance provider is saying my health insurance premiums will increase by 50% with higher deductibles and higher out of pocket maximums. This will put a strain on my finance as I can barely afford what I have now and having a $1500 increase really hurt. Why did this ACA not have something to cap these outrageous premium increases plus benefit decreases? It seems to be making it unaffordable rather than affordable.

What's the insurance for a lamborghini gallardo?

NO! i'm not looking foward on buying one.. Cant afford it. People told me insurance for this car was $1000 a MONTH.. but i asked a couple people with lamborghinis in gas stations ...show more

Is auto insurance cheaper for trucks?

I have a turbocharged hatchback now, thinking about upgrading to a larger vehicle.""

Auto insurance broker fee in CA?

https://www.linkedin.com/pulse/i-considered-drive-car-without-insurance-bennett-sly"

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