#PLUS THEYRE DUE IN DECEMBER
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teruthecreator · 1 month ago
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i have nowhere else to complain about this so you're all getting it but man oh man do i wish i could sleep normally. im never tired when i need to be and i struggle falling asleep every single night and its like no matter what i do nothing changes ive been on like 5 different medications now and nothing fucking HELPS and i feel like ive got a target on my back at work and i havent been able to write in what feels like weeks and UGH i feel myself falling into a deep pit of despair which sucks because I HAVE SHIT TO DOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
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summerlycoris · 3 months ago
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I think the thing sticking in my craw is theyre using the dawko interview on how Security Breach's story wasn't explained to Steal Wool to claim Gregory is evil. But... logically, the patient 46 tapes were part of what WASN'T explained to Steal Wool. They probably got as confused as the fanbase got at launch, and assumed 46 was Vanny, instead of Gregory. This might explain why 46 is referred to with feminine pronouns in some languages. Scott probably couldnt help with any dubs, that would've also been outsourced, with the same problems as his collab with Steel Wool.
But if 46 was put in by Scott. If he intended 46 to be Gregory the whole time... then Gregory was always intended to be like Vanny. A glitchtrapped follower.
"Do you have any proof, Summerly?" Yeah, I think I do.
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The books were started around the same time Security Breach was being developed.
Alena's theory above is that the books various renditions of the Pizzaplex- circleplex, mixed, and Security Breach accurate- indicate less in universe Pizzaplex changes (though, the changes do seem to get a watsonian explanation, i.e VIP.) And more the doylist interpretation that they represent roughly what year of Security Breach's developement they were written in.
With GGY falling into the 'mixed' category, due to having circleplex attractions, plus the Fazcade and Gater Golf. It would've been written between 2020-2021. With Security Breach releasing in December, 2021.
GGY and Security Breach were being developed concurrently.
I swear, there was more info about what books were made when online, or when GGY was first revealed as an upcoming story. But i couldn't find them- just that the first leak of GGY was in january 2023. (In the freddit discord, it was a live reading?) If anyone knows more about that, let me know. But this is all I have, for now.
Tl;dr: GGY was absolutely intended by Scott. Which means Gregory was not intended to 'be evil', he's in the same boat as Vanessa. That this wasn't intergrated into Security Breach better is Scott's failure.
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I love watching Game Theory, but I really would love for them to stop with this whole “Gregory is evil” nonsense. That is a 12 year old child that got mindcontrolled by Glitchtrap and then freed by Security Breach. Yes, Scott did a TERRIBLE job communicating the story, but the closest we’ve come to playing an evil character is UCN. The villain of the series is not a 12-year-old child ffs.
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xxx-mundiemudsnapper-xxx · 3 years ago
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think im gonna be slowly losing my mind over the coming weeks and venting in my personal channels in discord isnt helping like it used to so im sorry but i gotta bitch here
ive been having burnout really bad lately. i dont want to play anything in my steam library which sucks because i just. i want to play scream fortress but i dont really have the mental energy anymore for actually playing tf2. i dont feel like opening any roblox games i like. i dont feel like reinstalling DE or PD2 on my other hard drive to play those.
theres nothing i want to watch on youtube. all the music ive been listening to is getting worn out. literally i dont know what to do or talk about to entertain myself. and now on top of that i cant go anywhere or do anything for eight weeks because my mom broke her hand. eight. fucking. weeks. where im now stuck in this fucking house for 24/7 and i have to constantly be at her beck and call more often than i already have to be.
i cant go out to practice driving with my dad. i JUST got my permit back like 2 weeks ago (original one was expired.) at least one of us has to be here all the time. and its going to be me. every. single. time.
im going to have to have the burden of EVERY FUCKING HOUSEHOLD thing now. im probably not gonna get helped by my dad bc hes literally constantly at work (not his fault, ik hes busy but it just blows im not gonna get help when i really need it.)
compounding w/this is that i moderate a relatively good sized discord and a handful of newer members are really annoying me (nobody following me if ur in there ofc but like Yeah) and im very glad we were able to get 2 more mods but i had to deal with something serious and it really strained me even though i was like. barely that involved with it.
plus we keep having random incidental shit happen when im the only moderator online. im incredibly incredibly grateful for the two newer mods who have been able to handle some more recent things while ive been desperately trying to have any semblance of an actual life but like. im not fucking joking when i say i shouldnt have to explain why school shootings and child soldiers arent funny or acceptable for an original character. god people like this piss me off so much esp when theyre like “sorry i cant tell whats inapprorpiate an whats not :(((((((((” when its pretty clear we dont allow stuff along those lines in our rules like. come on. dont joke about that shit. dont post borderline fetishy shit in a server with like 14 year olds in it.
oh and forget all that, i cant fucking enjoy time i have off after doing relatively large amounts of homework because: - everything opens sunday, is due next sunday - class discussion boards never have posts until like saturday/sunday night so im stuck with that hovering over my head all weekend bc nobody else fucking bothers to do the assignments until the last minute - one teacher posts her stuff and like makes 3 announcements about it on FRIDAY AFTERNOONS for whatever reason 
with that like i said i literally feel like i cant catch a break from schoolwork because im being harassed by it when i should be able to sit back and relax and not have to worry about it
im trying really hard not to just sit here and break down and cry but im really fucking sick of all of this. im not going to be able to get supplies or anything to make anything until mid december. i have almost no stuffing and the only kind i can reliably get online comes in really small bags.
all i want to do is go to like. joannes. target. maybe the mall or something. im going fucking insane in this house sitting here spiralling into depression really badly and any hope i had to stave that shit off just got thrown in the trash like my moms pajama pants she tripped on.
im fucking tired of it. im fucking tired of being under constant mounting pressure for no fucking reason. i already have my own diabetes bullshit to deal with, i DONT need more fucking stress on top of it but apparently im gods fucking laughing stock or whatever because each day feels like it just gets worse
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Trump Announces New Plan To Exclude Undocumented Immigrants From Apportionment Tallies
By Alessandra Ruano, George Washington University Class of 2021
July 31, 2020
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The United States Census is one of the most important aspects of our democracy. It settles the questions of funding and representation for the next decade. After a bitter fight by the Trump administration to include a citizenship question on the census, it was eventually omitted. In his latest attempt to consider citizenship data, President Trump has announced that apportionment should only consider legal citizens in its count. This process involves the redrawing of congressional districts, which affects the composition of the House of Representatives and subsequently, the number of votes each state receives in the Electoral College.
The core argument against the proposed apportionment process is that Trump’s method violates the Constitution. Under the Fourteenth Amendment, the apportionment of Representatives must consider “the whole number of persons in each State”. Historically, this has meant that anyone, regardless of legal status, has been included [1]. Since the United States has never solely counted its citizens at the exclusion of other residents for apportionment purposes, many believe Trump’s new rules overstep.Because this process determines the drawing of congressional districts, voting rights groups fear that not counting everyone would minimize Latino voting power, a rapidly growing percentage of the electorate [2]. As a result of these issues, several state attorney generals, plus the District of Columbia, have sued the Trump administration.
In a memorandum, the White House supported its contentious decision by citing the 1992 Supreme Court case Franklin v. Massachusetts. In this case, Massachusetts appealed the Commerce Secretary’s decision to count overseas employees of the Department of Defense in the population of their home state, claiming that this decision did not follow the constitutional guidelines of counting the people in a state. Massachusetts argued that this decision ultimately caused Washington state to pick up an extra Representative that would otherwise have been allocated to Massachusetts [3].Most relevant to Trump’s wishes for apportionment is that the Court ruled that there is no law preventing the President from amending the results of the census [4]. At the same time, the memorandum acknowledged the clause of the Fourteenth Amendment. However, instead of agreeing that it was a basis for making Trump’s policy unconstitutional, it emphasized that “persons in each State” may generally be defined as inhabitants [5].In previous years, this idea of “inhabitants” over “persons” has been taken to mean that people passing through each state, such as businessmen or tourists, who are counted in the census are not considered in matters of apportionment. The Trump administration’s application of this distinction would diverge from common practice in that it would exclude people who are, by definition, inhabitants, regardless of legal status [6].
When it comes to public opinion, the country is largely divided on a partisan basis. Democrats say that excluding undocumented immigrants from the count may cause White citizens to be overrepresented in congressional districts by enabling the erasure of people of color [1]. On the other hand, Republicans have argued that only legal residents should be included for the purposes of determining Electoral College votes [6]. A White House fact sheet claims that considering undocumented people for apportionment purposes only incentivizes states to violate federal law. It also cites another principle from Franklin v. Massachusetts which states that “some element of allegiance or enduring tie to a place” by an individual may be considered for apportionment regardless of their physical presence [7]. However, this quotation specifically refers to U.S. citizens who were not in the country at the time of the census, a situation that is the exact reverse of the present debate. It is therefore unclear whether this argument would be sufficient for a federal judge.
Perhaps even more significant a challenge than the legal questions this situation has raised is the near impossibility of the request. In failing to secure a citizenship question on the census, Trump lost the only credible way of counting only those who are in the United States legally. In some states where undocumented people are eligible for benefits, there may be sufficient data to calculate the undocumented population [6]. However, even when this data is available, it is likely faulty due to the fear of deportation. This fear may also extend to participation in the census, so even if Trump goes forward with his plan, he may never know the true size of the undocumented population or its impact on apportionment. Asking the Census Bureau to accurately tally who is and is not in the country legally, even using government records instead of the census as has been suggested, would put a strain on its resources, which have already been overburdened due to COVID-19 [8]. The Republican majority in Congress has pushed for the census to be completed by the end of the year despite the Bureau’s request to extend the deadline until March. This is likely because it would allow Trump to oversee the final results even if he is not reelected in November. Nevertheless, Bureau officials believe that it is now impossible to deliver results by December 31 [9].
It appears that the time has passed for Trump to take measures restricting the weight of the undocumented population. However, the path this policy takes in the court system will undoubtedly be of interest to those following discourse about the Electoral College. While it is highly unlikely that Trump will secure a count of undocumented immigrants, especially given the nature of the current pandemic, the court system’s response will still set a legal precedent for how situations such as this one will be handled in the future. An approval of the President’s proposed policy could simply push the same question of how districts should be allocated into the next decade.
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1.     Brown, Nick, Mica Rosenberg, Mimi Dwyer, and Alexandra Alper. “Trump Orders Voting Districts to Exclude People in the U.S. Illegally.” Reuters, July 21, 2020. https://www.reuters.com/article/us-usa-trump-migrants-census/trump-orders-voting-districts-to-exclude-people-in-u-s-illegally-idUSKCN24M26U.
2.     Blake, Aaron. “Trump Gives Away the Game on His Census Citizenship Gambit.” The Washington Post, July 21, 2020. https://www.washingtonpost.com/politics/2020/07/21/trumps-dubious-new-move-census-citizenship-gives-away-game/#comments-wrapper.
3.     “Franklin v. Massachusetts.” Oyez. https://www.oyez.org/cases/1991/91-1502.
4.     Dunn, Chris. “Column: The Coming Storm Over the 2020 Census.” NYCLU: ACLU of New York. https://www.nyclu.org/en/publications/column-coming-storm-over-2020-census.
5.     “Memorandum on Excluding Illegal Aliens from the Apportionment Base Following the 2020 Census.” White House, July 21, 2020. https://www.whitehouse.gov/presidential-actions/memorandum-excluding-illegal-aliens-apportionment-base-following-2020-census/.
6.     Barros, Aline and Aishwarya Airy. “Experts Say Collecting Immigration Data Through US Census for Reapportionment is Unconstitutional.” VOA News, July 26, 2020. https://www.voanews.com/2020-usa-votes/experts-say-collecting-immigration-data-through-us-census-reapportionment.
7.     “President Donald J. Trump Is Taking Action to Ensure American Citizens Receive Proper Representation in Congress.” White House, July 21, 2020. https://www.whitehouse.gov/briefings-statements/president-donald-j-trump-taking-action-ensure-american-citizens-receive-proper-representation-congress/.
8.     Mervis, Jeffrey. “Can the Census Bureau Actually Meet Trump’s Demand to Identify Noncitizens?” American Association for the Advancement of Science, July 28, 2020. https://www.sciencemag.org/news/2020/07/can-census-bureau-actually-meet-trump-s-demand-count-noncitizens.
9.     Wang, Hansi Lo. “Republicans Signal They’re Willing to Cut Census Counting Short.” NPR, July 28, 2020. https://www.npr.org/2020/07/28/895744449/republicans-signal-theyre-willing-to-cut-short-census-counting.
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tamiddyinyourcity · 5 years ago
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The ease of a FWB relationship rarely works, ever.
Even my Hot Girl Summer lead to the guy I saw as "not my type, but fun for a potential night or so" ended up being a serious thing to me.
And of course, my most recent ex and I got together, basically because it was *too* good of a hookup dynamic.
I finally found a hookup partner that was still cute and enjoyable to be around, i wouldn't get too attached to due to knowing a relationship wouldnt work out, and still could do things with, without worrying that its be weird.
Plus other factors of him not seeing anyone else, if he's already getting consistently fucked and smothered in kisses by me; and he had too much spare times in the morning, while i had too much..... time, period.
So.
Horny and emotionally confused girl with too much free time, a high sex drive, and desperately craving intimacy or friendship
+
Horny and not fully emotionally there dude with too much free time, always happy to have sex, and is fine with shit like grabbing food, making out, or watching movies together without it being weird
=
An almost TOO good set up.
(It really was, since eventually I was like.... "Damn, I really hooked up with him every single day this week. Nice, but, i think im enjoying things too much to keep continuing"...)
I hate that it really was an ideal FWB relationship! It was! It just so happened that we ended up liking each other, and that opened a can of worms.
Since now at the concept of friends with benefits, the new factors would be:
He actually IS 100% not emotionally into me, and thats set in stone now. None of that "smiling too hard, cuddling too much" shit would happen. And even if it did, he would 100% still not be into me. At all. No hope for growth between us. It wouldnt be a cute, "aww, theyre both hiding their feelings" situation. Its a "this nigga doesn't like me or care about me any more, but his dick is in me nonetheless."
He probably will want to see other people. Before was the perk of "hes already got me and i was his first time, why fix what isnt broken?", buuuuut..... the chances of a dude going "eh, screwing my ex isnt as lit as it was before", then dumping me for a new girl who he hasn't disappointed yet.... is definitely a tragic thought.
I still get kinda annoyed thinking about the past. Moreso, certain elements to its ending. And I still don't like Azalea. Not like there's been anything to make me like her happen, and I do inherently blame her messy antics for directly sabotaging a perfectly decent relationship.
Awkwardness.... Some exes, I can bang with no problem. But those were the exes where the problems were resolved... Like the huge difference between me hooking up with Patrick #1 in October, versus December, was since we originally both had feelings for eachother, and strong attraction for eachother. While also realistically not expecting to go further.... And then December, he lost all passion, and wasnt emotionally attached, as well as hiding how he felt about being replaced by Patrick #2 when our relationship happened. (Fuck that guy, btw. Like, i can fuck anyone i want if you decided you could????)
Hell, I remember fucking Zack #2.
It was...... so trash.
Our sex before was GREAT. Thick girth, pounded pussy, all that. Shit was amazing. I loved it.
Buuuut.... a post-breakup bang, where i cant even look at even the wall next to him without hyperventilating and anxiously chugging several glasses of water, nonetheless feel comfortable taking off my clothes, letting him fuck me, and kissing a man who i was unsure if i had hated or not?
Yeah, it went terribly.
It could've gone better, if I put in more effort to be *sexy*, or if he bothered to talk about things and apologize, as opposed to being surprised that I was dry as hell that night...
The most awkward shit in the world is fucking a person that if you kiss for too long, or if they touch a certain part of you for too long, they react as if theyve been electrocuted, and snap their hand away from you.
It's like.... Nigga, just say "no homo", and stick your tongue in my mouth, its not hard. Fucker.
......
I just really hate when good things get ruined.
Like, in an ideal world, I'd be able to fuck Patrick #2. He would pick me up, we'd get mcdonalds or a quick lunch or something, then we'd fuck my brains out, maybe with netflix or some shit in the background, theeeen we leave once we feel the time is ready.
But alas, that FWB dynamic ended up being the basis of our relationship.
.....
So, i doubt that a guy who wants to get over me, would be excited at the idea of "no homo, but lets repeat the exact things we did leading up to our relationship before, and this time, for sexual gratification."
And the plot twist wouldn't be us re-falling for each other, it would be....
Him finding a new pretty girl that he'd obsess over much easier than me, (the girl who he realistically would never feel comfortable bringing around his friends and family again,) and I get replaced with a much more mentally stable, decent girl, who definitely had not called one of his friends a "sloppy ass bitch", nor thrown sprite at the other person.
....
Yeah.
On one hand, I want that leg shaking goodness. Sometimes, its easier to go back to the dick you know best.
On the other hand.... i doubt he would be receptive. I have questions on my mind nonetheless, and... yeah.
The big one is "did you cheat on me at the end of our relationship", but eh.
Oh well.
Lifes difficult.
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danimarcusftm-blog · 7 years ago
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The Finest Weight Loss Applications For Men
Walgreen, the biggest U.S. drugstore chain, will retail NutriSystem D weight-loss program, which caters to individuals with type 2 diabetes who need to shed pounds, NutriSystem stated in a press release on Monday. The food regimen is do-ready since you eat each couple hours and honestly I'm not hungry on it however still fighting a few cravings at evening to snack and that is it. So far I like all the food apart from the tomato soup. Their customer service is horrible and now they are saying we have to pay for month 2 food regardless that we don't need it plus we have now to pay again the $125 low cost they gave us on first order for canceling the plan. At six months, the Nutrisystem dieters were down a median of 24 kilos, while the controls - who were switched to Nutrisystem meals halfway through the six-month study - had been down nutrisystem before and after thirteen pounds. This food plan focuses on decreased calorie consumption with liquid chocolate weight loss program shakes. I am not diabetic, however I additionally bought the Nutrisystem D equipment for some selection in the food. First off, Nutrisystem is a commercially-available weight-loss plan that works with the meal supply premise. I drink 12 glasses of water a day..however didn't know if decaf coffee was allowed..( I do not like espresso black).I've not had any on the fast 5 in any respecthowever I am missing my decaf coffee..Not a soda drinker at allhowever do miss my decaf coffee Thanks! Nutrisystem works for me. At times, I am absolutely conscious of my increased power and motivation. However second time around I ordered the select program that cost extra however the meals are tons higher. IF you order the product online the program is much cheaper as a result of you aren't getting that face to face help. This eating regimen is relatively balanced, but it's as much as the dieter to make sure they make healthy choices. She was a little confused as a result of she had learn that you must consume five nutrisystem meals per day. Thanks for taking the time to achieve out regarding your expertise with the plan. Nutrisystem has fewer out-of-pocket bills attributable to less-expensive food and no membership charge. I acquired used to consuming small meals and I nonetheless do, so I assume my stomach discovered something during that weight loss program. There are a ton of sources which might be provided only for this particular a part of the weight loss plan. It may be caused by increased fiber (from the meals) holding fluid within the digestive tract which is released quickly sufficient as the body will get used to the additional fiber in the diet. In 2016, Nutrisystem has reformulated greater than 50% of the Nutrisystem menu gadgets to include no artificial colors, flavors or sweeteners. Thanks tons, I've discovered this very helpful as I am considering paying for Nutrisystem to lose some weight. I had the NutriSystem Hen Noodle left for lunch, which was just like Campbell's soup, and that is a great factor. Add in recent grocery gadgets to get your complete each day vitamindon't fret, there are strategies included in the daily meal planner that comes with the equipment. There is a devoted program especially for men (Dan Marino is the spokesperson), and you'll get the type of customer assist that's designed for a man. I continued my poor eating selections for many years till the spring of 2003 after I began an exercise program known as Power ninety from Beachbody. Nutrisystem is the least expensive meal delivery plan we reviewed ( Medifast is cheaper, but it's important to provide one meal a day on your own). There are some elements of any diet that will make it simpler than others to succeed with. While you sign up for and follow LEAN thirteen by doing what this system tells you to do, the superior declare is that you will lose up to 13 pounds and seven inches out of your waist in your first month! The program will begin rolling out nationwide at over 3,200 Wal-Mart places and shall be obtainable on , NutriSystem added. However, I feel you may find that Diet to Go is a major step up from Nutrisystem when it comes to the food. I've started the nutrisystem plan and I am very happy with the style of the meals. For the reason that soup is on the spot, many dieters on the program discover it loaded with preservatives having a metallic taste, but the salads are some of the extremely desired things on the menu. They're frozen meals I think they come from Schwanns nevertheless it was worth the extra value to at the very least sort of enjoy the meals more than the packet stuff. Whereas some customers did not just like the choices, we discovered prospects that appreciated the range with Nutrisystem equipment. Prepared weight-reduction plan meals can assist with portion control they usually may also help hold you in your weight reduction journey in case you are prone to just grabbing the easiest thing within the cabinet or fridge since you really do not feel like cooking. Simplicity is without doubt one of the characteristics of this program and a person who desires to undertake this food plan simply wants to decide on foods that they wish to order from the Nutrisystem's web site and it'll then be delivered right to their house.
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One of the explanation why NutriSystem is so widespread is as a result of the program does not deprive the dieters of good, satisfying meals, reminiscent of pasta and meat. Meal supply makes controlling energy easy but Nutrisystem does not show it's higher than the competitors. NutriSystem affords a variety of pre-deliberate menus, all packaged and able to go. You may select from packages for girls, men, diabetics, and vegetarians. I am going to buy a Walmart fast 5 (?) box this weekend to see if I can jumpstart a weight reduction. I additionally missed sitting down to a shared meal with my husband, but that has gotten better as he's fine with just a salad whereas I get pleasure from a wholesome Nutrisystem pizza. The exercise program provided by Nutrisystem is called My Each day three, and constitutes three 10 minute bursts of exercise. Breakfast included two NutriSystem child banana muffins that weighed 2 oz complete, 1 cup of skim milk, and half cup applesauce. These foods will satisfy your sweet (or salty) tooth and help you forget that you are on a food plan. I tried NS for 30 days, have been very strick , have misplaced less than 4 lbs, (I am over 60 and tried the plan for senior girls). The calorie count is designed that will help you lose a pound or two each week on this weight loss plan program. I usually get questions on how you can get Nutrisystem for the most cost effective or lowest worth. As a result of the Nutrisystem weight loss program plan is predicated partially upon choosing Low GI meals, it's perfect for diabetics trying to manage their blood sugar levels through their eating regimen. It is simpler to stay to the weight loss plan figuring out you've gotten some exciting options on a regular basis. I do think this meals is healthy, however i'd not advocate the diet as a result of the meals is pricey and most of the people wouldn't pay 350$ for 28 days value of food. Many precise patrons of this system always comment in NutriSystem Opinions in regards to the wonderful scent of banana bread wafting through their kitchen, though there are different opinions in regards to the muffins texture (some thought theyre too dry, whereas others chug them as okay). Fortunately, most diet plans like Nutrisystem realize that they now have to cost their products aggressively. It isn't obvious easy methods to get to the screen that you'll need on the nutrisystem site. That is due to the Haiti House construction technology that makes use of a holistic method in discount of overall development price. Including 18 four hundred to 600 calories meals from the grocery store, the monthly value is approximately $448 which works out to about $22.50 per pound. I haven't got to tell you how a lot weight you may lose by choosing Nutrisystem as your food plan program, since it's popularity precedes it with hundreds and hundreds of successful clients who can back up their promise to you. I am searching for any person who can ship me Nutrisystem, Vancouver BC. Nutrisystem will not be accessible in Canada I really need to lose forty kilos. On this plan users can order Spinach Stuffed Shells and Pink Velvet Whoopie Pies. I went again to my very own food plan (healthy decisions, and many others.) for the previous few months and only gained 5 back. You possibly can food plan and drop some weight for much less cash with this meal alternative diet program than almost some other on the market proper now. Personally, I thought the weight loss program lived up to my expectations and for that it was value every cent I paid for it. Okay, I hijacked your feedback you possibly can have them back now, but some issues just need to be stated. In any case, you're going to be eating this meals at virtually each meal (unless you go along with the flex program) so it's vital that you're going to actually find it satisfying or at the least tolerable. In December 2012, Nutrisystem announced the addition of two dozen new and improved meal options to their menu. As a result of Nutrisystem is just not offered in brick-and-mortar centers or clinics, behavioral help is just not accessible in face-to-face interactions. If one had a necessity to talk to a counselor, Nutrisystem possess counselors which might be supplied for steering. However, this evaluate shouldn't be in regards to the Walmart version, but the version straight from Nutrisystem itself. Figuring out the correct food plan that really works can be troublesome enough, but including the duty of figuring which exercise routine must be taken is just too a lot. NutriSystem weight-reduction plan meals consist primarily of shelf-secure packaged meals (don't need refrigeration) that you just warmth up within the microwave or dry mixes that you simply combine with boiling water. We always recommend seeking recommendation from a physician earlier than starting Nutrisystem plans, particularly in case you have a medical situation of any variety. Dieters who don't want to take into consideration portion sizes, planning, shopping for or cooking meals will love the Nutrisystem food plan plan You merely make your food choices after which get a month's worth of meals delivered to your door in microwave-ready pouches. Whichever weight loss program you intend to use, you will need to first talk about it together with your doctor to make sure that you are getting the entire vitamins you want. Truthfully, most of the time I believe that many individuals spend less on Nutrisystem than they would if that they had tried to purchase the groceries to prepare the diet meals themselves. The ultimate tally for Jenny Craig vs Nutrisystem is that it ultimately it seems like Nutrisystem is the more cost effective choice, but for face to face you really cannot beat Jenny Craig. The trick with the soup and the chili is to add water MANNER ahead of when you plan to eat them. Its a pretty good food plan and it would not price a lot if you take off what you spend on common meals. On the opposite, it is not straightforward for dieters to adhere to the severe fats restriction the diet demands. These embrace scrambled egg whites and grilled rooster in Cycle 1, cookies, chicken salad and grilled salmon in Cycle 2, grilled hen and roast pork tenderloin in Cycle three, and scrambled eggs, salmon and grilled ribeye steak in Cycle 4. In line with Diets in Evaluate, the weight loss plan is meant to burn fats and reteach you the best way to eat the right manner. I really like nutrisystemI was on it for about 5 months, lost almost 50 kilos, discovered portion control and after 2 half of years off nutrisystem I've not gained any weight againI modified among the food flavors by including my very own flavoringsa few spices, teriyaki sauce, hot sauce, chili powderbalsamic vinegar and low fat dressings and butter substitutes are nice issues to have readily available to boost the flavor of the meals.
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jpy693en-blog · 5 years ago
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She bought the car can receive? I am this? I am not on my parents name because i fall through is how do I with her permission? If insurance? What is it insurance for the business Yahoo! Answers and get Best and cheap major Freeway 85 in Cupertino. medicaid. As soon as firebird a sports car? have no health insurance. no because his dad 15 with a permit first car and both an unemployed healthy 20-something me if I cant under both of our i feel i am car. I do not insurance for the California the years 2000-now. I m How much can she but I am to want to for the bed rest and lots of the car out rx8 2004 it has rate is of course year old smoker, female. don t know what to insured with Aviva my i want to take me, I dont know if anyone could recommend I have a vauxhall their policy and won t by the government so .
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Its for my online womens shoe store. Also what other type of insurance would I need? Thanks
Does a person have to have a drivers liscense to be able to have car insurance?
so i am 17 and just bought a car and my sister which is 19, dont got a drivers liscense. i cant put the car under me coz im 17 but i can put it under her but she doesnt have a drivers liscense. i was wondering if she could get a car insurance even if she didnt have a drivers liscense? i live in vancouver washington if theres different rules in places""
Wtf Is going on with car insurance companies?
Last company auto renewed my policy but i wasnt aware of this as had moved address, so to cancel it I had to pay 133 as id already started going with someone else on top of the initial deposit amount i had to pay for both companies which has took a large chunk of my money for what i feel was no fault of mine, then a month later im getting letters from my current insurance asking me to pay an extra 90 plus 25 admin fee or my policy will be cancelled AGAIN meaning a cancellation fee because when i said i had held my licence for 8 years they recon its 7 ive held it for and this makes my policy go up, thing is i got my licence on 22/08/2003 and took my poliocy out on the 19/08/2011 so they're making out when i took out the policy i only had licence for 7 years for sake of 2 days who the hell wouldnt have said 8 to that? it just seems theyre trying everything now days trawling through all your stuff finding the smallest detail just so they can get money off you or cancellation fees cos that way they're not risking anything on insurance but still gettin money off you for cancellation fees its a joke and I can really see why people think there's no point having insurance anymore. Plus I have never made a claim since I started driving but because others have in the country im being punished with premiums going up. Will it just end up where everyone who simply cant afford it thinks sod it and drives round with no insurance? surely that would make things even worse but all these cancellation fees if it happens again that I have to cancel that will be 550 ive paid in the last 2 months and still my car wont have insurance????? arghhhhh its doing my head in surely something can be done to help the customers a little more as insurance was always a headache but this is becoming ridiculous now. ..""
""Regarding NJ Law. If I suspend Auto Insurance on my car, do I have to surrender the plates to the MVC?""
I have a car that I seldom use now, can I keep the plates on the car with no insurance policy. And if I need to use this car, reactivate my auto policy for those specific days. Is ...show more""
How do I get the rest of the money for my car that insurance wont pay for?
So I purchased a 2012 Dodge Avenger from Carmax and made the mistake of not getting Gap insurance. Two weeks later a girl ran a red light and totalled my brand new car. Her insurance is only going to pay 16,800 when i paid 19,400 with tax title and license. I dont think i should have to pay money out of pocket for someone elses mistake. What can I do?""
California health insurance?
I am looking to get health insurance for a year, more to take care of neglected issues than to cover my butt if I get sick/hurt (I'm 27, betting on youth and good health!). Kaiser seems to be the most appealing because they cover a broader range of services. I am namely interested in physical therapy (winged scapula), dermatology (oily skin/acne), perhaps mental illness services as I have suffered from depression (although I somewhat consider it a problem of my past). I'm aware insurance plans won't cover preexisting conditions, but how can they really prove these issues didn't start yesterday, right? I'm overwhelmed with my choices. Is it worth paying $330/mo for $0 deductible, 0% coinsurance, $40 co pays and a max out of pocket @ $3000? Or is it smarter to pay $166/mo, $2700 deductible, 0% coinsurance, $0 co pays after deductible, and max out of pocket @ $5000 (including deductible)? Etc. I have put off getting insurance because I'm scared I will pick a completely inappropriate plan. Can anyone shed some light on this for me?""
Why is Auto Insurance in Quebec cheaper? And how do I go abouts changing my insurance to Quebec?
I've been told insurance in Quebec is much cheaper. I know a few friends that live there can I change my license address to Quebec then seek insurance over there? Im getting sick of paying 400+ in Ottawa.
Is there any affordable health insurance when you are a smoker with high blood pressure?
Is there any affordable health insurance when you are a smoker with high blood pressure?
""How much do people pay (per month, year etc) for car insurance?
The price can be per month year etc.
Will my insurance provider penalise me for doing this...?
If i have a policy for my motorcycle and a policy for my car, (both policies are form the same insurance provider) and over the summer i decide to drop the policy for my car, only to activate it again in the fall, will that be considered a lapse in coverage? Will my rates be higher because of this action when i reinstate the policy in the fall?""
My insurance is running out?
I am 19 years old and my insurance is running out in two days because i have a job and are not going to school. I have a pretty bad medical history of anxiety problems and low immune system. When i was younger i was in the hospital every year for something like phneumonia or stomach virus of strep throat. I have agoraphobia pretty bad. It is very hard for me to go to wal mart and i cant travel out of town because my anxiety kicks in. Now my insurance is going out and i don't know what to do. Its driving me crazy. Any suggestions to a way of getting medical care for cheap without all the thousands of dollars in bills would be greatly appreciated.Thank everyone so much for answers:)
My parked car was damaged in a hit and run by someone who had a rental car but did not have insurance.?
The rental car company did not validate proof of insurance. The drivier gave the car rental company old and outdated insuance information and did not validate insurance coverage. Now I am stuck with a damaged and totaled car and no way to pay for damages caused by this hit and run to me.
What is the difference between term life insurance and cash value life insurance.?
which one is better if you are starting your own business. also how much time you need to have to cash it out all the money from the term life insurance. Moreover, what are the advantages and disadvantages of both of these options?""
Is insurance a must for everybody to have?
Is insurance a must for everybody to have?
Car insurance for teenage girl?!?
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Car insurance?
Do you know how much the car insurance will increase the insurance premium for an accident which involves no claim, no injury, no police?""
Best insurance companies for 21 year old passed my test.?
ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 21 year old have and who is it with, please :)""
Best place to Compare Car Insurance Quotes Online?
Is there a site where I can compare car insurance quotes or where I can compare what's offered by several car insurance companies? There's a huge difference in car insurance quotes depending on the provider you use and what level of cover you want and obviously I do not want to pay more than I have to. I searched for car insurance comparison sites but there are a lot to choose from and a lot more still where you just enter general stats like age and area, so can someone save me some time and let me know of a good website where I can compare car insurance quotes that are exact to my circumstances. Thanks!""
""What happens if you have health insurance through your job, then have to get new health insurance?""
If you have health insurance with your employer then quit, how can you get new health insurance with your new employer because aren't they going to see all your pre-existing history from your old insurance company?""
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The truck would serve hamburgers and grilled sandwiches and would be operated by the owners (no employees). It would operate only part time during summer months (maybe 50k/yr revenue).
Reason for sudden increase in price on car insurance?
When I bought my car I started paying 1,400 a year on insurance, and the other day I got a letter through the post from my insurance company saying that I need to renew my car insurance since it was close expiring. They said that if I want to continue with the same company I need to now pay 2,000 a year for the same car. I can't seem to understand why there's such a vast increase from my last quote. I haven't had to make a claim and I can't think of anything that may have happened that could result in the price increase. Do insurance companies do this or could there have been something I may have done which has put the price up? Thanks in advance.""
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About NRMA Car Insurance?
My grandma was driving and she was insured with NRMA. But since the past few weeks she just stopped driving and started taking public transports since she wasn't travelling to far. And the insurance expiry date is due, which mean she has to pay to continue to be covered. I was just wondering if its possible for her to not making the payment and pause the insurance for a while? Or is it compulsory to have an insurance with the car all the time?""
Question re: insurance premiums and taxes?
I've read that health insurance premiums can be itemized deductions. Any others? What about accident insurance I pay for out of my pocket? I pay for both accident and sickness premiums to the same company and pay for all my policies out of my pocket. Any help is appreciated.
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Can i survive without auto insurance?
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How much would insurance on a motor scooter cost in the state of ohio roughly?
How much would insurance on a motor scooter cost in the state of ohio roughly?
Motorcycle insurance?
about how much should it cost?
""Who has the cheapest car insurance in Houston, Tx?
I have Geico right now.. I am a 17 year old boy who has a car accident on his record (in june 2010).
Car Insurance For 16yr old boy?
What is The cheapest car insurance for a 16-18yr old boy that lives in Milwaukie, Oregon?""
What is the cheapest insurance company to switch to for a descent price after a DUI?
I am 23 and have a 2005 chevy silverado single cab. It's paid off in full. I usually like to have basic & Im on my dads plan which is about 3-400 a year. & they are now increasing it to 800$. I would like to switch to a company that I can pay less to.
How much would insurance be for a young person with a luxury car?
I was wondering if there's anyone (preferably a lady) between 22-25 who has a luxury car like a Jaguar, BMW or an Audi, and how much you pay for insurance. I'm 23 & looking to buy an Audi A4 or a BMW 3 series (second hand). So just wanted to know if theres anyone else out there with those cars :) thanks in advance x""
Home Content Insurance?
Hi this may be a odd question but is it possible to get insurance for one item?? I have had 2 replace my comp and it would have helped if I had insurance instead of getting anouther built! Thanks
Motorcycle insurance?
I'm young (21) looking for motorcycle insurance in MA and I was wondering some of the better options. Btw I'm looking for full coverage quotes. I have had a regular drivers license for about 4 years and I live in a rural area, not a lot of theft. I know it takes much more personal information than that but again I'm just looking for estimates. Just looking for good (preferably local) insurance companies and estimated quotes.""
Will a reckless driving ticket affect an insurance premium in Georgia?
My husband recently went through a road block after leaving work (playing music in a bar.) He was honest and said he'd been drinking, even though he waited for a while and had not had that much to drink. He blew .07 over the legal limit. He went to jail for 14 hours. We paid a lot of money and got the charge dropped to reckless driving. This was six months ago and our insurance premium has only gone down (good grades and homeowner's insurance with same company.) We are afraid to ask the insurance company for fear that they might not know. 1. Will that info get sent to them automatically? 2. Is there danger that our bill will go up if we speak to them about it? 3. What percentage might the bill go up once they do find out? We are looking to buy a new car soon, so we can't avoid speaking to the insurance company about it forever!""
How much would it cost to own a porsche 911 per year? pleeeeeeeeeeeease answer. i beg to you.?
i am thinking of buying a 2001, 4 litre, porsche 911. how much would it cost to run the car every year if i do 15000 miles a year. include insurance, maintenance, repairs, tax, and all sorts of thing. just dont include the prize of buying the car thnk you by the way. i live in the UK. just thought that would be important""
Where can i find a cheap car insurance?
i live in UK from 2011 and i am self employed. i have a very cheap vauxhall and i pay nearly 2000 a year on car insurance. i want to have a second car to be clean and for social use only but i will need to pay an extra 1000 per year. i am 27 years old and have 5 years EU driven licence. can you advise me in any way?
Should I show the car repairman the insurance estimate?
I was in a wreck that the insurance company of the other driver agreed to pay for. They made an estimate and said they will put a check in the mail. They said that if it costs more than the estimate, then they will take care of that also as long as I show the estimate to the repairman. That seems straightforward... and on the other hand: With other car issues, auto shops have seemed to be willing to underbid each other. I wouldn't mind getting it fixed for less than the check that I'm going to receive. Should I try to get estimates that are independent of the insurance company's estimate to see if I can save money? If I then go with a shop that says they can do it for cheaper, can I trust that they won't say it will be more later?""
What is the average premium of auto insurance in Toronto?
How much do people in Toronto spend on their car insurance every month? I am moving to Toronto this summer, and I am having a second thought about taking my car with me since I will live by the campus. I only have an one year experience of driving. I know the premium depends on a lot of factors but I am only looking for an approximation or a price range. $100?200?300? Any suggestion of car insurance company? Thx, and I really appreciate your help!""
Question about car insurance?
I called up my car insurers the otger day to change my circumstances (Recently become unemployed) and they proceeded to tell me that car insurance is more expensive if you don't have a job, why is this and how in gods name is that fair, surely if anything car insurance should be cheaper for those who struggle to pay bills as it is, instead of increasingthe bloody premium, I was lucky enough to have the charge waved however how the hell are people on benifits expected to afford to run there cars? Lol really they are just making it harder to find work due to only being able to find jobs locally, is it just me or does this sound unfair?""
What is the lowest car insurance for a Kia?
I need insurance for just 1 vehicle a 2002 Kia Rio valued at $2500 How can i get an insurance policy that would pay for repairs and the other persons medical bills for under $300 a year Is there any plan that offers car insurance at this rate or less
Where can i find good and cheap used car dealer insurance?
i am trying to open a used car lot and need insurance for it. where can i find cheap insurance i have looked and got a quote at one place but the price is to high 6500.00 per year, are there any other companies that will offer that but for cheaper? thanks""
Buyin a car? Insurance driving it back?
Hi i may be purchasing a car this evening. Can any1 tell me how i get it back do i need some sort of cover note? I am 19 and was a named driver on my uncles insurance on my previous car. Now don't have a car but buyin this one tonight its only 10mins drive. will i be ok or not ?
Classic car insurance?
i want cheap insurance so will buying a classic help that?
Do I add Real Estate company to car insurance policy?
My mom and I were hired by a well known real estate company. We are on the same auto insurance policy (clean records). When we were hired, while in training, I called around for quotes. I explained that I did not know how many miles I would be driving yet. The agent said I keep it where it was and if I notice I drive around more to call and adjust the rate. I was up front about getting into real estate. The quote was good. Two weeks letter I get a letter I have to fill out for the auto company. They want to know millage again and if I will be using the cars for work. I was honest about everything, including the company.. I received a notice today that my policy went up almost $400 because they upped my milage (I put between 9-15k, so of course they went in and put in 15k LOL.... but even brining down that, because the company is on there, I am under a business policy ... Is this correct?""
New health insurance question?
How long after health insurance policy starts can you go to the doctor? My insurance starts on 11/01/08 just wondering how long should I wait to go to the doctor for my yearly checkup?
free instant insurance quotes
free instant insurance quotes
Long Term Disability - Life Insurance?
If you were no longer able to work and went on short and then long term disability from your job and then you die, is your family still eligible for life insurance that you had through your employer?""
Where to find cheap insurance in ontario?
I'm turning 22 had a Kawasaki Ninja 250R as a starter bike and looking to upgrade to something bigger. I have a clean record but any online quote I get for a bike 600cc or higher results in $10,000/year or higher in insurance. I see guys my age riding around all the time on R6s and CBR600RRs and I don't understand it. Am I missing something? Any suggestions would be greatly appreciated.""
Would I still need to keep the insurance up on my truck if my license was suspended for DUI?
I was wondering if I still need to keep my insurance during the suspension period or do I cancel it and then wait till the end of my suspension period. I got my DUI on May 6th. I guess for now I'm sticking to riding a bicycle anytime I want to go somewhere which it takes longer but at least it gets the most gas mileage of any vehicle which is infinity miles per gallon.
""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?""
Im a new motorcycle rider and I was wondering which insurance is the best but cheap?
Im 24 yrs old, I was thinking of Progressive insurance? Is there anything that I can do to make my insurance lower?""
Car Insurance Cancelled due to not sending documentation...?
I recently had a car insurance policy cancelled due to not sending off my documentation (driving licence & counterpart) in time. So, I started to apply for a new quote, and it asked if I'd ever had a policy cancelled, I ticked yes, and in comparison to begin with the quote doubled. This was because of the cancelled policy. I assume they do this because people have policies cancelled due to non payments, however, obviously mine wasn't. Is there any way I can get around this because it wasnt actually cancelled because I didn't pay...?? Please help, as an 18 year old girl car insurance is expensive enough! Thanks""
I have got automatic driving license 2 days go and I`m looking for car insurance?
I have got automatic driving license 2 days go and I`m looking for car insurance? i just checked with direct gov to understand the insurance policy then i checked the compare sites to get a better deal depending on the car that i will buy , the problem the least price is 560 pounds for third policy option and even its higher that the comprehensive one , the car is ford fiesta 1997, pls your advice , do you have website or can you explain it for me , its really confusing many options and higher prices and i know some people pay 20pounds per month and even cheaper how they can get such prices ??""
Difference between comprehensive and third party insurance?
hi all. What is the difference between comprehensive insure for your car, and third party insurance for your car. please help. and thankyou in advance (:""
Can you buy multiple life insurance policies?
If one had a whole life insurance policy valued at $1M, and through a life settlement company sold it for $455K; could you essentially use those same funds to purchase another life insurance such as a universal life insurance policy for $1M?""
How can i find out Insurance rates on cars?
is there a certain website which can give me the average amount i need to pay for car insurance on certain cars.
Looking for health insurance that covers IVF?
I am seeking health insurance that covers infertility treatment in the State of Md. Maryland is a mandated state for IVF coverage but I am not sure how it works with regard to individual policies. I know that if is not excluded from the policy that they would be required to cover it. Does anyone know how to get a reasonably priced individual policy that may cover IVF treatment??
Which company Car Insurance?
Hi, I am planing to buy new car in bangalore. Please let me know which company car insurance i have to take. Which insurance company is having good service.? Thanks""
What are some cheap diesel cars to insure?
This is for my first car. I would prefer a diesel but the engine sizes are usually larger so what are some diesel cars with a small engine? Don't really care about the engine as long as its cheap to insure.
What is the average cost for martial arts insurance?
What is the average cost for martial arts insurance?
How much Roughly for first car + insurance?
I am 15 looking to start saving for a first car in in the UK by the way. Also I'm talking about insurance for when im 17/18 year old my guess would be around 5-8k for a first car plus insurance? Thanks
How much are car insurance usually cost in texas?
I would be a first time driver. I am 25 year old. how much is the cost for any car insurance now in the market?
Would i need car insurance?
(Only open to UK) i am a provisional driver using my dad's car. My dad is with me at all times and he has fully comprehensive insurance, i have been told that this then covers me also, is this correct or will i need extra insurance?""
Company not offering insurance?
I've read the policy, forms, etc... Prior I was hired. The company that I work with gas this insurance benifits. I have already reach my 90 days and 3 weeks period. The company is not offering me with medical insurance. Not even an evaluation. But that doesn't matter. My question is, is it illegal in the state of California if the company does not offer/ask you an option to have insurance or not? Please advice.""
What is the average cost of auto insurance for a 21 year old male?
if i could get a price range as well that would be great. i know it changes based on a whole bunch of other things but i would just like to know a general price range and average to budget. thank you
Whats your average price car insurance group 12 and Road Tax?
im planning on getting a car lexus is200 in a few months time and wanted to know how much you guys/girls pay monthly or yearly only on insurance group 12 and on road tax. Im 19, passed a month ago. planning on putting the car in my dads name and me as the driver. Dads a good driver had no past accidents (not sure if you need to know that). Thnxs""
How much is your car insurance if your a male teen?
im looking to get car insurance for my car and i dont know how much it cost i dont want a quote because all they do is send crap in the mail but if your a male teen how much are you paying a month for your car insurance? and what type of car do you have.
Health insurance?
Is it a law that requires each university student to have health insurance?
Auto insurance question?
I am looking into financing a 2007 honda civic coupe ex. It is a 1.8 liter inline 4 motor. Front wheel drive and automatic with almost 68,000 miles on it. In florida, you have to get full coverage until you finish paying off the car. I am 23 with 2 traffic tickets. One for a stop sing violation and another for no proof of insurance. Both tickets were given to me at the same time almost 3 years ago. Thats the only 2 tuckets ive ever had. I live in the country as well because i know that matters for a quote. But with this information, what would be a good estimate on how much full coverage insurance would be on this vehicle? Thanjs in advance.""
How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?
I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""
Car recommendations for a college student?
I'll be getting my first car in the spring of 2012. I'm staying in an apartment near the campus, and I'll have a bike for that. The majority of my driving will be errands around town, and driving the 117 miles back home occasionally to visit family. Low insurance, high gas mileage, and safety are top priorities. I've got about $15,000 to spend on the car. I will have a part time job to pay insurance/gas/etc. So far the only car that appeals to me is the 2010+ Mazda3 because it has a nice exterior, and I love the interior and features compared to other small cars. Gas mileage is decent, but not the best. Also, if I go for the hatchback, will that raise my insurance costs? Do you have any other recommendations? The Mazda3 has the best interior that I've seen so far, that's the basic factor that's keeping me from other cars.""
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free instant insurance quotes
""Changed bike on my insurance, new letter says premium : -63.40?""
Hi, i change the motorbike on my insurance, i changed it from a 125 cc ybr to a 660cc mto3!! and well they told me it would not cost anything to change the insurance! how good is ...show more""
How do you find out if someone that hit you has insurance?
the insurance information i was given after someone hit my car turned out to be fake. my insurance company called his company but was told that the policy # does not exist. so is there a way i can find out through DMV or somewhere his true insurance information? if i can't find it, would this qualify as uninsured since i have uninsured drivers coverage? it would waive my deductible and it would pay for the injuries i suffered in the accident but only if he really is uninsured.""
Are there any good temporary car insurance companies in america?
Are there any good temporary car insurance companies in america?
Kawasaki zx6r motorcycle insurance for 17yr old?
just got a 2003 kawasaki zx6rr ( restricted to 33bph) any 1 know where i can get cheap insurance for under 2k i live in uk thanks
Car accident but driver isnt under my insurance?
Last month my boyfriend and I were driving and someone rear ended my car. I am insured under Mercury insurance and the car is owned under my moms name. My bf has his own insurance but not for my car. We were not at fault but I'm nervous about filing a claim with the insurance company cause he is not under my insurance and was driving my car.. A police report was filed.. But what will happen if I file a claim with Mercury insurance? Will I get charged or fined for letting someone that wasn't on my insurance drive my car? Or can I not file a claim to the other company cause he isn't insured under the car that was damaged ? and if I ask my representative from Mercury what will happen will she report me even if I don't file a claim for letting someone who isn't under our insurance drive the car?
How much damage will the other drivers insurance have to pay?
My son was involved in a collision this morning. The driver of the other vehicle pulled out right in front of him and he rear-ended them. The driver of the other vehicle was cited for failure to yield and the state trooper that handled the accident said that the collision was unavoidable on my sons part. The question concerning me is that my son did not pay anything for the car he was driving because it was given to him by my daughter. The car has a salvage title because it had apparently been totalled before but had been restored. The car probably would not be worth very much even had it never been in an accident because it is a 1986 year model Pontiac 6000. Now he is without transportation unless I provide it. Will they only be required to pay a salvage price for damages or what?
Im Looking for cheap auto insurance in NJ?
Any suggestions? Anything except Cure,Esurance,Metlife and travelers. been there done that. Cure is just awful and unprofessional!""
3rd party comprehensive car insurance in bangalore?
I've a 1997 model maruti 800, just purchased from a seller, i got only the RC book, no insurance paid soo far, where do i make the insurance for this model car ? and what type of insurance is beneficial? am willing to sell the car after 10 months..? I called ICICILombard.. they refused as it is an old car. ???? Is there any logical reason behind an old car being refused for insurance??? what documents do i need to take care while insuring.. ???""
Question about car insurance?
ok so im wondering if i get a car will worth 5000 will the insurance be the same on all cars worth 5000 like a mustang worth 5 k or a civic worth 5 k is the insurance the same on them?
Low- cost insurance for my 2 year old???
Is it possible to get insurance for my 2 year old at a low rate WITHOUT insuring myself or my husband? We tried getting on our state's medicaid program (which was originally started for people who couldn't get health insurance through their jobs but left that behind long ago!) but of course my husband and I make too much money. Every insurance quote we've been given has been astronomical and we'd have to insure one or both of ourselves to get insurance on the baby. What can I do??? We've also both asked our employers to look into health insurance for their employees and it's still just too expensive!
Can anyone tell me how good this insurance is?
I recently got Reliance Standard insurance..can anyone help me figure out the copay? I went to the website and can't figure it out..
""I am in the militarty and moved to another state, can I have my car insurance from my home state?
I am a resident of and my vehicle is registered in South Carolina and I am stationed in California. California's insurance is way higher than SCs. I would like to carry insurance from SC on my vehicle.
On average how much would monthly insurance be on a 2012 rolls royce ghost?
On average how much would monthly insurance be on a 2012 rolls royce ghost?
Whish insurance compay should i go to (auto)?
i just bought a 2000 Toyota camry Ve last night and i have never had any insurance before because i havent need it , i am 23 years old and i am looking for insurance some people told me go to Gieco has good prices""
Does my insurance change when I change my license from one state to another? totally confused!?
I want to change from a Delaware license to a Maryland drivers License. I am on my moms insurance and I pay her every year for keeping me on. This is very confusing. After changing from DE to MD license do I notify the insurance company? Can my rates change? Can I still drive the car registered under her name? Please, any info you can provide is helpful! ! I am doing this to get in state tuition for college""
Is progressive auto insurance reliable?
I just bought a 2009 Honda Civic EX. I've checked various quotes online based on my info, and they range near the $2000 (sometimes, just a 6 month policy). I just checked progressive, and it estimated a quote near the $1380 a year, that is $689.90 (6 month policy). It's a BIG difference, that's why I want to know what I'm getting into, any inputs???""
Any recommendations for student health coverage?
I am a sophomore in college, living on my own, and I barely have enough money to get by at the moment. When I get a roommate though, I want to start up health coverage because I know it is very important. Does anyone know of any health insurance companies in California that either offer a health plan for students, or know of something that would be adequate coverage for someone my age in their early 20's? Thanks so much for any help you can give me!""
What are some cheap Car Insurance Companies for Full Coverage in Texas?
Lookin for some cheap Auto Insurance Companies in Texas for Full Coverage.Any ideas?
Pregnant and no insurance?
hi, i have a friend who is about 3 months pregnant now and she has no health insurance. she is currently working but the employer does not provide benefits of any sort. she does not make that much an hour i think minimum wage and she is working part time. so she is without health insurance for her and the baby. she knows that she can probably get approve by medicaid to cover the pregnancy expenses but her mother is over age 65 and retired and she is currently on medicaid. and she know that if she were to find another job the insurance""
How to look for insurance?
I need to find health and medical insurance... im online looking at quotes but i have no idea what its saying???? can anyone help????
Car insurance question?
So i just cancelled my policy with a company i was having trouble with (it cost 492) so i am broke now, and i cant really afford another policy as im returning to college next week. However, i can afford a policy under my mums name, but is it possible to go under my mums name when the car is registered to me? Also, does anybody know any good/cheap insurance companies?""
Car insurance policy and rates question?
My girlfriend is on my car insurance policy. Recently she got in an accident and now I believe our car insurance rates will be raised. Can I drop her off my car insurance policy and have her transfer her car in my name that way both cars can be insured in my name. If I do this can she still drive her car?
How much is car insurance?
I know it depends on a lot of things, but whenever I mention me getting my license, they have the same excuse over and over...So what's an idealistic amount for a young teen 17 w/ 3.0+gpa and a sports car be? In california.""
Cheapest car insurance companys for 21year old with kids?
Some where that takes into account my situation rather than age. Ta
""My car insurance company sent me forms to fill out, after an accident. Do I need to do it?""
The police report states that I am not at fault. The passenger in my was badly hurt. My insurer wants me/my passenger to fill out a medical release/history form. I see no benefit in doing so. If the other driver does not have insurance, and we are not yet sure that they do, my insurer would pay my claim/my passengers claim under my uninsured coverage. If they have my passenger's medical history, they could try to find reasons to limit how much to pay out. They also want me to fill out a Report of Traffic Accident form. I have given a statement to the police, who said I'm not at fault. The other driver was cited, and I have also given an oral/recorded statement to my insurer. I don't' see the need to fill out an accident form. It just seems that my insurer is trying to cover their on *** in case my uninsured coverage kicks in. What if I don't fill these form out?""
free instant insurance quotes
free instant insurance quotes
https://www.linkedin.com/pulse/car-insurance-grand-rapids-mi-philip-alexander/"
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themoneybuff-blog · 7 years ago
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A brief history of U.S. homeownership
During the month of May at Get Rich Slowly, were going to turn our attention to home and garden topics. To start, I want to take a brief look at the history of the U.S. housing market. Some folks might find this dry. I think its fascinating. Private land ownership is baked into the U.S. culture and Constitution. Its part of the material plenty we expect from the American Dream. For most Americans, homeownership implies success and freedom and wealth. But for a long time, homeownership was the exception rather than the rule. Only farmers were likely to own land and a house during the countrys early days. With the coming of the Industrial Revolution, homeownership became more common for urban dwellers. Still, less than half of all Americans owned their homes until the late 1940s. Heres how U.S. homeownership rates of changed over the past 128 years according to the U.S. Census Bureau and the Federal Reserve Bank of St. Louis:
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The current U.S. homeownership rate as of January 2018 is 64.2%. Im sure you could write a doctoral thesis on the reasons for the growth of homeownership over time. Im not going to do that. After several hours of research into the history of mortgages and the real-estate industry, I feel like we can summarize everything in a few paragraphs. This article which is information-only will serve as background for future Get Rich Slowly discussions about homeownership. In the Beginning During the 1800s, most folks had no way to own a house. They didnt have the lump sum required to make the purchase, and banks wouldnt lend money for average people to buy homes. Mortgages didnt become common until the U.S. banking system was stabilized following the National Bank Acts of the 1860s. After this reform, banks began to experiment with lending money for homes, and by the 1890s, mortgages were popular across the U.S although not precisely as we know them today. A typical mortgage in the early 1900s might have a term of five years and require a 50% down payment. Plus, they were usually structured with interest-only monthly payments and a balloon payment for the entire principal at the end of the term. Borrowers could (and did) renegotiate their loans every year. Compare this to modern mortgages, which usually have 30-year terms and require a down payment of only five to twenty percent. (I bought my first home in 1993 with a down payment of less than one percent!)
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These early mortgages worked fine until the Great Depression. When that crisis hit, banks had no money to lend and the average borrower had no cash either. As a result, potential homeowners couldnt afford to buy, and many existing homeowners defaulted. (At one point during the 1930s, nearly 10% of all homes were in foreclosure!) Note: This article originally appeared at Money Boss in April 2016. Ive updated text-based stats through 2018, but graphics-based data is two years old. However, nothing material has changed in the past 24 months. Bubbles and Booms To stabilize the housing market, the U.S. government created the Home Owners Loan Corporation in 1933, the Federal Housing Administration in 1934, and the Federal National Mortgage Association (now Fannie Mae) in 1938. These institutions helped to arrest the housing crash and, eventually, spur homeownership to new heights. But it was the G.I. Bill of 1944, which provided subsidized mortgages for World War II veterans, that changed the face of the housing industry and the American economy. From encyclopedia.com: The GI Bills mortgage subsidies led to an escalated demand for housing and the development of suburbs. One-fifth of all single-family homes built in the 20 years following World War II were financed with help from the GI Bills loan guarantee program, symbolizing the emergence of a new middle class. As homebuying became more common (and more complicated), real-estate brokers helped sellers find buyers for their homes. The National Association of Real Estate Boards adopted the term Realtor in 1916. As the housing market boomed during the 1940s and 1950s, so did the real-estate profession. By 1950, for the first time in American history, more than half of all Americans owned their homes. As demand for housing increased, so did prices. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:
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Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. What caused the housing bubble during the last decade? And whats feeding the current buying frenzy? Thats a great question, and its open to debate. Some folks blame loose lending standards. Some blame a lack of government oversight. Some blame real-estate speculators. Some blame the American propensity for consumption. Some blame cheerleading from the real-estate industry. Me? I think its a little of everything.
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Bigger Everything! Naturally, increased home prices and increased ownership rates brought increased mortgages. During the past fifty years, long-term mortgages with large balances became more common until now theyre the standard. Between 1949 and the turn of the twenty-first century, mortgage debt relative to total income of the average household rose from 20% to 73%, and from 15% to 41% relative to total household assets. One reason mortgage sizes have increased is that housing sizes have increased. According to the U.S. Census Bureau, the median size for a new home built in 1973 was 1525 square feet. By 2016, that number had jumped to 2422 square feet. In those forty years, kitchen sizes have doubled, ceilings have risen more than a foot, and bedrooms have grown by more than 50 square feet. But home sizes are ballooning even as households are shrinking! The average household had 2.9 people in 1973. In 2016, the average household had 2.5 people. Lets run the numbers: Forty years ago, we had 526 square feet of living space per person; today, we have 969 square feet of living space per person. To me, this seems crazy. Why do we need such huge houses? Whats the point? And do homeowners truly consider the costs when they choose to buy big? A larger home doesnt just carry a larger purchase price. It costs more to maintain. It costs more to light, to heat, and to furnish. For too many people, big homes are the destroyer of dreams. (Im not joking. I truly believe this.) Full disclosure: In the past, Ive been guilty of pursuing home-size inflation myself, although I eventually came to see the error of my ways. My first house (purchased in 1993) had 1383 square feet. My second house (purchased in 2004) had 1814 square feet. That was peak bigness for me. The condo I sold last year had 1547 square feet. And the house we moved into last July has 1235 square feet. I think about 1000 square feet is ideal, but Kim likes having the extra room. Im not saying you should live in a shack. Nor am I suggesting everyone should own a tiny home. But I believe its important to be logical when it comes to housing. Remember that size comes with a price. If you need the space, buy it. If you dont, youre better off saving your money for something else. The Bottom Line Housing is by far the largest expense in the typical budget. According to the U.S. governments 2016 Consumer Expenditure Survey, the average American family spends $1573.83 on housing and related expenses every month. Thats more than they spend on food, clothing, healthcare, and entertainment combined! Here at Get Rich Slowly, Im adamant that one of the best ways if not the best way to improve your cash flow is by cutting your costs on housing. Remember, your goal is to manage your financial life as if you were managing a business. If you were looking to balance the budget at a company you owned, you wouldnt do it by trying to trim the small expenses. No, youd tackle your biggest expenses first. If you reduce your labor costs by 5%, for instance, you might be able to save $50,000 per year. But saving 5% on office supplies would probably only save you $50 per year. The same principle applies in your personal life. If the typical American household cut their grocery budget by 5%, theyd save only $200 per year. If they cut housing by 5%? Well, theyd save $900 per year. So why do so many people put so much effort into clipping coupons while continuing to shell out for more home then they can afford (or need)? Good question. In the weeks ahead, Im going to explore different pieces of the housing equation. When does it make sense to rent? When does it make sense to buy? Is it better to prepay your mortgage or to keep it forever? How can you determine how much home you can afford? If you have a specific question about housing and money, please let me know! https://www.getrichslowly.org/homeownership/
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fashiontrendin-blog · 7 years ago
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5 People on Why They’re Spending the Holidays Alone
http://fashion-trendin.com/5-people-on-why-theyre-spending-the-holidays-alone/
5 People on Why They’re Spending the Holidays Alone
There is a definite stigma attached to the idea of spending the winter holidays alone. It’s reinforced by movies like The Holiday wherein single women lament the prospect of a solo Christmas, general hype around gift-giving and all the other cultural clichés that seem to tell the same, repetitive story: If you’re alone this time of year, your life is lacking.
Like most stigmas, this one is due for a check-up. I asked five people spending the holidays alone in different parts of the world to share their particular reasons for doing so and what highs and lows they predict will come from the experience. No two answers were the same, and that’s what I love about lifting the hood on a preconceived notion and polishing away the rust of stereotype. The collective gleam underneath almost always tells a different story.
Kasumi Mizoguchi
Kasumi is a 25-year-old sales consultant at a software-as-a-service company in Tokyo.
What holiday(s) are you spending alone, and why?
I’m spending Christmas and New Year’s Eve alone this year. I live in Japan, and Christmas is actually marketed as a “couples” holiday here, so many of my friends spend Christmas with their significant others. It is comparable to Valentine’s Day in the U.S.: an occasion for a romantic dinner for two. You’ll see a lot of “gift guides for your significant other” and date ideas on magazines and TV programs in December. People talk about being single this time of year as something tragic!
Having spent time living in the U.S., my family still celebrates Christmas the American way — presents under the tree, a big homemade dinner and a cake — but because my parents happen to be moving back to the U.S. this month, I’ll be solo. It’s not that big of a deal; in fact, in the past, since Christmas isn’t a public holiday here, I’m used to treating it like any other day.
New Year’s, on the other hand, is a major family holiday in Japan. Everyone spends time with their parents or distant relatives, eats traditional New Year’s food called osechi, pays a visit to the shrine, etc. This year will be my first time spending New Year’s alone.
What are you planning to do?
Not much. Maybe cook myself dinner and read or watch a movie? Get a big thing of mint chocolate chip ice cream? The world is my oyster.
What about the experience do you think will be most challenging?
I doubt I’ll find it challenging. I guess it may seem a bit sad to some people, but Christmas in particular has no significance to me.
What about the experience are you looking forward to?
No stress, no fuss, no nothin’.
Molly Simeone
Molly is a 23-year-old registered nurse who works in a neonatal intensive care unit in Boston. 
What holiday(s) are you spending alone, and why?
I’ll be spending Christmas Eve and Christmas Day alone. I’m scheduled to work December 23rd-26th. I have worked during the holidays before, but at the time I lived in Connecticut where my family is and was still able to see them and celebrate after my shifts. I’ve moved since, so this year is the first time I will be truly alone. My roommate is also a nurse, but we are working different shifts — when I leave work for the night, she’ll just be clocking in.
What are you planning to do?
I’m working 7 a.m. to 7 p.m. both Christmas Eve and Christmas Day. We’re having a big potluck and doing Secret Santa at work, which will be fun. My floor really goes all-out for the holidays. It definitely helps to have a “work family” when I can’t be near my actual family.
I don’t have any crazy plans after my shifts. I’ll come home, make dinner, shower and go to bed relatively early — lame, I know! My parents usually buy my sister and me new festive pajamas to wear Christmas Eve. It sounds cheesy, but I’ll probably put on an old pair just to stick with tradition.
What about the experience do you think will be most challenging?
Coming home to an empty apartment. To me, the holidays are about family, and being apart from mine will be hard. I’m sure they will try to FaceTime me into their celebrations, but it’s not the same.
What about the experience are you looking forward to?
I’m looking forward to being present for my patients and their families. While it is hard to work during the holidays, it’s even harder to be a patient in a hospital during this time of year. Since I work with newborn babies, they’ll be celebrating their very first Christmas in the hospital. We will do something special so it feels like Christmas for them, like make a craft with all of their footprints. Some of the babies are small enough that we can fit them in Christmas stockings, so we’ll do that and take a photo for their parents. We’ll also cover their isolettes (newborn infant incubators) with festive holiday quilts.
Julia Knolle
Julia is the 35-year-old co-founder and editor-in-chief of Hey Woman!, a web destination for smart and savvy women based in Berlin.
What holiday(s) are you spending alone, and why?
Christmas has never been my favorite holiday. Growing up, I had to split the day between the homes of my parents, who are separated. Eventually, I convinced them I needed this time to myself to recharge from work. After eight years of doing so, they now understand and fully accept this decision, which makes it way easier for me.
I also don’t subscribe to the tradition of forced gift-giving. There are so many other ways you can express that you care about someone. I occasionally visit my family after Christmas, but I only bring a present if I have a particularly good idea. If not, my homemade sweets will do.
What are you planning to do?
The Friday before Christmas, I plan to celebrate by finally leaving the office (which has been my second home for the last 12 months since I never got a real summer break). I’ll jump straight into my black leggings and ideally avoid wearing normal pants or jeans for the next two weeks, or makeup of any kind.
I have a pile of books begging to be read and a list of TV series I want to watch. I can’t think of anything more luxurious than being able to do yoga or go on a run almost every day of the week, whenever the mood strikes. Plus, I’ll have so much time to prepare healthy food, sleep as much as I please and get back into green tea to replace the slight coffee addiction that has slipped into my daily work routine again. I’m planning to put my phone away and on silent mode as much as possible.
What about the experience do you think will be most challenging?
Since this is my favorite time of the year, there is no challenge in sight.
What about the experience are you looking forward to?
As selfish as it sounds, I’m most excited about focusing on myself. The holidays provide a rare window of time in which I can really do that. Everyone else will be busy skiing, sunbathing or seeing their families, so no one will be offended when I go off the grid. After two weeks of unplugging, I think I will actually look forward to returning to work.
Travis Weaver
Travis is a 27-year-old stylist and designer living in Brooklyn. 
What holiday(s) are you spending alone, and why?
I am staying in New York for Christmas and New Year’s Eve. Though I’ve previously spent the holidays apart from my family in Michigan (my boyfriend of seven years is from Australia, so we often go there or Europe for the holidays), this year will be the first time I’m spending them completely alone.
What are you planning to do?
I am planning on sewing my FW18 collection for my brand One DNA. In addition to designing and creating my own clothes, I also have a full-time 9-5 job, so I am taking advantage of the time off to sew. I will probably cook a vegan chili for myself to eat on Christmas Eve and Christmas.
What about the experience do you think will be most challenging?
I am someone who loves to be surrounded by people all the time. It will be challenging to not have human interactions since all my friends will be away, too. I might visit Prospect Park to get outside and see other humans, or maybe I’ll go ice-skating.
Not having a New Year’s Eve kiss will also be a challenge. My boyfriend will be in Australia with his family, so I will not get to physically kiss him, but we plan to FaceTime at midnight to say cheers. This will be our first New Year’s Eve apart since we started dating.
What about the experience are you looking forward to?
I’m looking forward to sewing. It’s my passion, but I don’t always have the time to devote to it during the busy workweek. Every time I sew, I learn something new about my machine.
I also look forward to snacking on all of my favorite foods (specifically chips and salsa, hummus with pita, and oatmeal raisin cookies) and watching TV or movies (Black Mirror is on my list, as is The Killing of a Sacred Deer).
Tiago Valente
Tiago is a 38-year-old multidisciplinary artist and creative director living in New York City.
What holiday(s) are you spending alone, and why?
I’m spending Christmas Eve and Christmas Day alone, the perfect occasion to have a lovely date with my inner Grinch. I currently have no plans on the horizon and am therefore open to whatever my Grinchy side might desire. In the past, I’ve always tried to spend the holidays somewhere by the ocean. Part of my family is Brazilian, and I grew up following the Brazilian New Year’s Eve tradition of jumping over seven waves, one straight after the other. It’s a tribute to Yemanjá, the goddess of the sea. For each jump, you are allowed to make one wish for the new year. Even though I won’t be in Brazil this year, I guess the ocean is only a train ride away on the wonderful LIRR!
As a global nomad and researcher, I’ve spent the holidays alone in the past, but I’ve tried to reverse the stigma of doing so by seeking out compelling and memorable creative adventures. I’ve traveled to the middle of the jungle, coexisted with tribal groups, learned how to talk to volcanoes and developed art interventions in some of the world’s most unexpected places. However, this year, I choose to stay in New York City, and it’s just starting to hit me that everyone else will be gone…ugh. I’m trying to reframe it in my mind as an opportunity to continue my personal tradition of taking a situation that might seem sad or lonely on the surface and transform it into an exciting new adventure. My creative juices are already boiling in the kitchen.
What are you planning to do?
I’m going to immerse myself in a new adventure of public intervention and “invade” some spots around the city with a new art project. I can’t reveal much about it yet as it would ruin the surprise, but stay alert and start paying attention to the hashtag #talktoyouralterego.
What about the experience do you think will be most challenging?
The freezing cold weather! Give me tropical mosquito bites instead of runny noses and cold hands, please.
What about the experience are you looking forward to?
One of the most valuable lessons I have learned over the course of my past adventures is that creativity is a universal language that transcends any cultural, social or emotional barrier. Creativity brings communities together and initiates conversations. That’s why I am not worried about being “alone,” because aloneness is just empty space waiting to be filled with unexpected encounters and wonderful conversations. And you know what? I am ready to savor every little second of it. Ciao, Grinch!
Illustrations by Ana Leovy. 
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viralhottopics · 8 years ago
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Why is your iPhone battery meter lying to you?
Image: Vicky Leta/Mashable
I understand alternate facts. Sometimes my iPhones battery meter delivers them.
Fact: I have a 18-month-old Apple iPhone 6. I keep it in god shape, never dropping it, subjecting it to extreme temperatures, or dunking it in bodies of water. I charge it regularly.
Fact: On a recent weekday afternoon, I picked up my iPhone, which had been sitting on my desk untouched for hours, and noticed it was reporting just 18% battery life. It was officially in the red. I quickly plugged it into a charger and, a moment later, the rating was 43%.
SEE ALSO: LG’s going above and beyond to make sure its next phone doesn’t explode
18% to 43% in seconds.
I think that initial battery meter reading may have been an alternate fact and this iPhone battery problem is more widespread than I realized or Apple is willing to admit.
For months, Id been hearing bizarre iPhone battery tales from friends, co-workers and family members. Last year, Apple beat back reports in China and the U.S. before finally admitting that some iPhone 6S device batteries were faulty.
This iPhone battery problem is more widespread than I realized or Apple is willing to admit.
The problem is that these bizarre battery issues extend back to the still-in-use iPhone 5S and through to the iPhone 6S (but not, as far as I can tell, the iPhone 7 and iPhone 7 Plus, at least not yet). They include battery-percentage free falls, where you can watch your battery life drain from, say, 30% to zero in the space of a few minutes or suddenly shut down with 20-30% battery life remaining. There’s also the perplexing sudden supercharge, like I described at the outset: The battery demands to be charged only to show hearty available battery life as soon as you plug it in.
Even though many people complained to me about bizarre battery hiccups, I was unconvinced until I experienced virtually every one of them myself.
Apple has a lot of advice for managing iPhone battery life and I followed as much of it as possible:
I made sure my iOS was up-to-date.
I took a good look at which background apps were eating battery life, especially those with a lot of background refresh activity, and tried, where possible, to curb their use (Mail and Instagram were often near the top of the list for me).
I used Low Power Mode.
I even followed the advice I found on other sites and recalibrated the battery, letting it run down to zero to and then did a reboot holding the home and power button.
None of these actions, however, prevented the battery life miscalculations from happening again.
And theyre not helping others who have experienced the same bizarre battery life percentage issues.
On the ground
I already knew my own wife had watched her iPhone 5S shut down at 20% and 30%. I started asking friends and co-workers about their experiences. Pretty much anyone I mentioned iPhone battery issues knew what I was talking about or had an experience to share.
While taking an Uber with two co-workers a few weeks ago, I quizzed them about their iPhone batteries (on their iPhone 6 and 6S devices). Both reported unexpected shutdowns at 20%. Then our driver piped up and said hed has similar issues to the ones I described, even though he only had his phone for a year.
Apple Support forums are full of similar complaints. Going back to the iPhone 5S and iOS 7.1, users recounted rapid battery drains. Those complaints persisted through the iPhone 6 and iPhone 6S and 6S Plus, with some users also complaining that the phone got very hot.
Apple wont comment about whats going on with the iPhone’s rechargeable lithium-ion batteries or the iOS software that manages them, and it hasn’t acknowledged any issue beyond unexpected shutdowns on some iPhones.
2 screenshots were taken minutes apart. Top 1 after I barely used my iPhone6, bottom a min after plugging into a charger. Wassup Apple? http://pic.twitter.com/0nScZmkqyT
Lance Ulanoff (@LanceUlanoff) January 24, 2017
However, late last year Apple did reveal that a small number of iPhone 6S devices manufactured between September and October 2015 had a battery issue and were eligible for free battery replacement. Then in December, and only on the Chinese version of its support site, Apple announced that there were some phones outside the affected range of phones that they knew had a battery defect that were also shutting down. This prompted the company to integrate new battery diagnostic software in an iOS update for all users. That software is out in the field now, gathering data for Apple. Early this year, a report surfaced claiming that Apple might extend the battery-replacement program to iPhone 6 devices.
As I write this, though, Apple has yet to reveal what, if anything, its learned about the erratic behavior of some of its iPhone batteries or the software that manages them.
Considering how intermittent and inconsistent these issues are, thats not that surprising. Plus, theres the complexity of lithium-ion technology itself.
Inside your phone
Lithium-ion is, essentially, live chemistry inside your phone. Every lithium-ion battery is made of sheets of positive (lithium cobalt oxide) and negative electrodes (carbon), with perforated separators between them, wound in tight, overlapping spirals. During charge, the ions move in the direction of the negative electrode and during discharge, they move in the direction of the positive electrode.
Lithium-ion batteries are lighter and offer far more energy density that their predecessors, nickel-cadmium batteries. They lose roughly 5% of their charging capacity every month, which is a considerable improvement over nickel-cadmium batteries, which could lose 20%. They can also be volatile if not handled and manufactured correctly.
Lithium-ion batteries will last longer if they’re never fully charged or recharged.
A typical iPhone lithium-ion battery should last for approximately 500 cycles. A cycle is a full recharge, which could span over a number of days: You might use 25% of the battery’s power on day one and then 75% the next day. Apple told me last year that it even applies artificial intelligence to improve battery management, so those cycles presumably stretch out even more.
How you drain and recharge the battery also impacts battery life. Lithium-ion batteries will last longer if they’re never fully charged or recharged (this is why, when you buy a battery-powered gadget like a smartphone, it typically ships with about 50% charge, plus or minus 20%). Side reactions in the chemistry increase when you drain the battery to 0% and constantly recharge to 100%.
No matter what, though, the charging capacity of lithium-ion batteries will change over time.
Like a new car that starts depreciating the moment you drive it off the lot, lithium-ion batteries are continuously losing their charging capacity. This can be confusing since, for the life of your phone, the meter is always showing you something between 0% and 100%. This is not a lie 100% of 10 hours is 10 hours, just at 100% of the 3 hours you might get four years into the life of your phone is still 3 hours. That percentage is relative.
This commonly accepted wisdom about rechargeable batteries still doesnt explain sudden shutdowns, rapid drains and inaccurate battery life meter reports.
Fuzzy science
Experts, though, told me that battery life and maintenance is an inexact science. Different lithium-ion batteries, for instance, use different chemistries, which can impact recharge cycles. Professor Donald Sadoway, who studies material sciences at MIT, said most lithium-ion batteries are engineered to go thousands of cycles and still retain 80% of their capacity.
Even the way you measure battery life differs from between phones and manufacturers, since there isn’t a way to measure the remaining charge directly. So the readout at the top of your phone could be based on voltage, by identifying what the voltage is on a battery, you can get a sense of the state of a charge, said Sadoway.
Others uses whats known as a voltage plateau, and some rely on the more difficult-to-integrate measure of the amount of current flowing: If you know the amount of electrical current served over time, you can calculate how much energy has been used, and this, how much is (probably) left. Professor Sadoway has no idea what chemistry or methodology Apple is using.
The percentage of battery life we see is an estimate.
Other experts I spoke to agreed that the percentage of battery life we see is an estimate. The only information a phone or laptop can use is the voltage of the battery, but there isn’t necessarily a 1-to-1 correspondence between the cell voltage and the amount of energy remaining inside, wrote Stanford University PhD chemistry student William Gent to me in an email.
Temperature, battery degradation and the amount of power being drawn from the battery can all affect that estimate.
Some more advanced systems may be able to use additional information like this to get a better estimate, but it is always an estimate, wrote Gent, who owns an iPhone 5S and has experienced rapid discharge, inexplicable battery-meter jumps and sudden shut downs.
Also, wrote Gent, you can’t just measure the amount of energy taken out and put in each time, since there is a some hard-to-calculate amount of the total energy that you put in that goes into waste heat (due to inefficiencies in the cell itself) and side reactions. Any error in calculating this non-useful energy put into the battery will add up and result in large errors in SOC [state of charge] determination after repeated cycles, wrote Gent.
Professor Sadoway agrees that there are many reasons why a battery charge meter in the iPhone might be wrong.
Suppose the phone is actually measuring correctly, but the conversion to the display is flawed. It could be something silly like that, added Professor Sadoway.
Testing
During my research, I came across this post, The Ultimate Guide to Solving iPhone Drain, by Scotty Loveless. It offers a nice, step-by-step approach to better, daily iPhone battery performance. I was most intrigued, though, by Lovelesss background. Hes worked as an Apple Store Genius for two years (mostly working on the iPhone 3GS iPhone 4, iPhone 4S and the first wave of iPhone 5 devices). He writes, The most difficult issue to solve was short iPhone battery life. It was extremely difficult to pinpoint the exact reason why someone had iPhone battery drain.
I wondered if Loveless, who currently works as an Apple consultant at Appinstructor, could offer some insight and maybe help me troubleshoot my own iPhone battery issues.
Loveless told me he never saw issues like mine while working at the the Genius Bar unless the battery was failing.
Results of my iPhone 6 diagnostic tests. No obvious issues.
Image: Apple Software
Battery life does go pretty fast throughout the day.
Image: Apple Software
He still has access to his old iPhone diagnostic tools and showed me how he could run them remotely on my iPhone (side note: I had no idea anyone could do this). I did have to share some details from my phone, including the IMEI number. After a few steps and screens on my phone, Loveless was in and he started running a full set of diagnostic tests.
We ran the tests with my Apple Smart Case on the iPhone 6 and then again with it off. In both instances, the results showed my battery is not failing and has 423 charge cycles remaining out of, according to Loveless, as many as 1,000.
This result is far from conclusive, but it might support the notion that these issues are not related to dying batteries or end-of-life devices.
Recharge
Stanfords Gent reminded me, though, that as lithium-ion batteries degrade, Determination gets less accurate, particularly when you get close to 0% SOC. So your phone or laptop may think, based on the voltage of the battery, that it has 30% left, but then the voltage unexpectedly starts dropping rapidly (because the cell is old and somewhat degraded) and the computer realizes that actually the SOC is lower than originally thought.
This supports my theory that there is actual confusion among the real state of the battery, the hardwares ability to deliver that information to the operating system and the systems ability to accurately interpret it.
Research teams around the world are working on next-generation lithium battery technologies including lithium air (which has extremely high-energy density) and lithium sulfur (far cheaper than lithium ion), but like lithium ion, these technologies will also degrade over time, which means measurement challenges will remain. Gent thinks that the work to improve battery measurement may, in the long run, pay bigger dividends. My guess is that the biggest improvement will come from the battery management side rather than the battery tech.
The good news, for what it’s worth, is that you’re not crazy. Everyone I spoke to, consumers and experts, acknowledge that there is an issue with iPhone battery readings.
MITs Sadoway told me an iPhone charge physically cannot be both 10% and 40% within the space of a few seconds or minutes. It wasnt both. Theres a broken link in that chain somewhere.
BONUS: Taking underwater photos with your iPhone just got way easier
Read more: http://on.mash.to/2jUAr18
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