#Reverse Mortgage broker in Canada

[sunlite-mortgage]

Need a Reverse Mortgage? Contact Sunlite Mortgage

Looking for a reverse mortgage broker in Canada? Sunlite Mortgage is the best choice to consider. A reverse mortgage allows homeowners aged 55 or older to access their home equity without selling the property. With the help of a reverse mortgage broker, you can navigate through options from HomeEquity Bank, Equitable Bank, or Bloom Financial. Sunlite Mortgage brokers guide you in selecting the best lender, comparing rates, and simplifying the application process. Whether you're seeking to boost your retirement income or manage expenses, Sunlite Mortgage can help you find the best reverse mortgage for your needs. Contact them at

 (877) 385-6267 or info@sunlitemortgage.com.

[enrich01]

Mortgage Options for Newcomers to Canada Securing a mortgage when you're new to Canada can be challenging, but many options are available to help you get started. From residential mortgages to private mortgage options, a knowledgeable mortgage broker can help you navigate the system. They can assist in finding the best mortgage rates and products tailored to your unique situation, ensuring a smooth transition to homeownership in Canada. Explore more options, including reverse mortgages, at Enrich Mortgage.

[ratefair]

Homeownership or Home Equity: Purchasing Your First Home in Edmonton

Indeed, for many people in Edmonton, purchasing their first home, or getting access to cash in an owned home are significant financial opportunities. Edmonton has initiatives to help individuals who are first-time home buying, and also those who are seniors who require home buying and or access to home equity. This blog is about a first time home buyer program which is being offered to people in Edmonton and also about Reverse mortgage broker Edmonton which are available to seniors.

The First-Time Home Buyer Incentive

It turns out that the first home buyer incentive Edmonton is a fairly good idea that is going to assist a significant number of first-time homebuyers in purchasing their first homes at affordable prices.

In the same year, the federal government launched the First-Time Home Buyer Incentive which is meant to help these buyers make the necessary down payments to qualify for a home purchase. Available in national territory, including Alberta specifically Edmonton, the program grants up to 10% contribution toward a first home purchase through a form of shared equity home financing.

Reverse Mortgage Broker Edmonton

When applying for the First-Time Home Buyer Incentive there are some basic requirements that buyers must meet concerning their income, the purchase price of the property, use of the property as a primary residence, as well as other conditions. The incentive ranges from a 5%rebate of the purchase price of a resale home or 10% rebate of the purchase price of a newly constructed home. Though it operates independently, it is financed by the federal government and Canada Mortgage and Housing Corporation (CMHC).

Ways of utilizing a Reverse Mortgage in Edmonton

For seniors who are homeowners, using home equity via a reverse mortgage at some later stage can enable them to source for cash for their needs in their post retirement age. Another kind of home equity loan is a reverse mortgage whereby individuals are provided with a part of the home value but still maintain full ownership of the home. It is said that the funds do not have to be paid back until the senior dies, sells their home or moves out, which makes it a versatile type. Before entering into a reverse mortgage in Edmonton it is most recommended that one seek the services of a professional reverse mortgage broker to determine whether you should take up the reverse mortgage. Then the broker will have to state the advantages and disadvantages of the home equity, as well as who qualifies for the tax-free funds and how they can get it. They can also assist the seniors sit down and compare various reverse mortgage lenders as well as products, and come up with the one that best suits the senior in question in regard to his or her financial status and future plans.

[localizee]

At the Mortgage Tailor, we find you the best mortgage rates in Ontario by leveraging over 40 lenders to often get better mortgage rates than the big banks.

[mortgagetailor]

Business Name: Mortgage Tailor

Street Address: 489 Queen St E unit 4

City: Toronto

State: Ontario (ON)

Zip Code: M5A 1V1

Country: Canada

Business Phone Number: (647) 370-8863

Business Email Address: info@mortgagetailor.ca

Website: https://mortgagetailor.ca/

Facebook: https://www.facebook.com/mortgagetailor.ca

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Twitter: https://twitter.com/MortgageTailor

LinkedIn: https://www.linkedin.com/in/mortgage-tailor-b674b3265/

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Pinterest: https://www.pinterest.ca/mortgagetailor/

YouTube: https://www.youtube.com/@mortgagetailor

Tumblr: https://www.tumblr.com/mortgagetailor

Description: At the Mortgage Tailor, we find you the best mortgage rates in Ontario by leveraging over 40 lenders to often get better mortgage rates than the big banks. Ran by an MBA trained, Consultant, and current business owner. We offer any mortgage service, including but not limited to: First mortgages, second mortgages, refinancing, reverse mortgages, home equity line of credit (HELOC), mortgages for debt consolidation, guarantor or co-signer backed mortgages, and much more!

A Toronto-based Mortgage agent serving all of Ontario. Call us today to speak about your mortgage needs!

Mortgage Agent, TheMortgageCoach, License M23004999

Google My CID Business: https://www.google.com/maps?cid=9505630343746043662

Business Hours: Sunday Closed Monday 9:00 am 6:30 pm Tuesday 9:00 am 6:30 pm Wednesday 9:00 am 6:30 pm Thursday 9:00 am 6:30 pm Friday 9:00 am 6:30 pm Saturday 10:00 am 4:00 pm

Services: mortgages

Keywords: mortgage agent ontario, mortgage broker ontario, best mortgage rates, mortgage broker near me, mortgage broker toronto

Business/Company Establishment Date: 01/20/2023

Business Slogan: the best mortgages tailored to your situation

Owner Email: info@mortgagetailor.ca

Location:

Service Areas:

[college-girl199328]

After years of frenzy in Canada’s housing market during the COVID-19 pandemic, 2022 saw a reversal across much of the industry as the Bank of Canada’s interest rate hikes cooled down the residential real estate sector in cities from coast to coast.

Most economists and experts who spoke to Global News say they expect that cooling to continue into 2023. They cite prohibitively high mortgage rates, low inventory on the market, and uncertainty about where the Bank of Canada’s interest rate cycle will finally peak.

But where will price declines in the Canadian housing sector bottom out? And will all markets and property classes be hit equally? Here are the housing trends and markets to keep an eye on in 2023, according to industry experts.

The latest available data from the Canadian Real Estate Association (CREA) shows that, on a seasonally adjusted basis, home prices in Canada fell 19 percent from the peak in February to November, when the average sale price was $636,838.

When will the bottom come? RBC’s assistant chief economist Robert Hogue said in a note on Dec. 19 that he believes, with the slowing pace of decline in both home sales and prices, there are “early signs the correction is approaching its final stage.”

He said prices could eventually hit a low point in “the early part of 2023,” but cautioned that the timing would vary from market to market. Hogue suggested this bottoming out would coincide with the Bank of Canada stabilizing its benchmark interest rate — the central bank signaled in December it could be near the end of its hiking cycle — and that for those looking to break into the market, this might be where affordability is most advantageous in the year for prospective buyers.

While the spring may mark a low point for prices, Canadian brokerages are not expecting significant shifts between 2022 and 2023.

Re/Max Canada said in its housing outlook for 2023 that the aggregate price of a home is expected to drop 3.3 percent in the year. Royal LePage’s annual survey forecasts a price drop of just one percent.

Chris Alexander, president of Re/Max Canada, told Global News in late November that the Bank of Canada’s interest rates is the “big wild card” that will determine when buyers and sellers alike are comfortable jumping back into the market.

Some cities in Ontario are especially vulnerable heading into 2023, Re/Max projects, with steeper prices and drops expected for the Greater Toronto Area (11.8 percent lower), Barrie (15 percent lower), and Durham (10 percent lower).

Parts of British Columbia are also expected to see declines, such as Greater Vancouver (down five percent), Kelowna (down 10 percent), and Nanaimo (also down 10 percent).

But some pockets of the country are set for growth in 2023, Re/Max forecasts. Re/Max expects prices to rise in cities including Halifax (up eight percent), Calgary (up seven percent), Ottawa, and Kingston, Ont. (up four percent), St. John’s, N.L. (up four percent), and Saskatoon (up three percent).

Corinne Lyall, owner and broker for Royal LePage Benchmark in Calgary says the city is set to do well in 2023 since it didn’t see the dramatic run-up in prices over the pandemic that markets in B.C. and Ontario did.

With Calgary seeing only modest growth during that time, it’s become a more affordable option for people originally living in the more expensive provinces. These people are now able to work from anywhere and can purchase spacious houses for less money, Lyall says.

The benchmark cost of a single detached home in Calgary in November was $630,236, according to the local real estate board, nearly a third of the $1.86-million price tag on the benchmark detached home in Vancouver.

“Our price point is so much lower than in a major city,” Lyall says. “You can buy twice as much house here.” Heading into a period of economic uncertainty, the Alberta market is also buoyed by recent strength in the oil and gas sector, Lyall adds. She believes the backdrop of the traditional energy industry, boosted by Calgary’s efforts to diversify into a tech hub in recent years, sets the city up as an attractive prospect for Canadians looking to relocate.

“I think people are still looking at here as a place of opportunity,” she says. Another part of the Canadian market primed to hold up in 2023 is condos and properties in urban cores, according to experts who spoke to Global News.

John Pasalis, president of Realosophy Realty in Toronto, says that, like Calgary, condos and downtown properties didn’t see major price inflation during the pandemic. Therefore, they will continue to fall as the market cools.

In addition, the return to the office amid a lifting of COVID-19 restrictions is reversing the migration flows from the early days of the pandemic when remote work enabled many to afford larger homes in suburban neighborhoods on the city outskirts and more rural areas.

“People thought this urban exodus during COVID was going to be permanent and no one would want to live downtown,” Pasalis says. “Well, that’s not happening. People are moving back to the city. They want to be located a bit closer to downtown. So I suspect that this market will be a touch busier.”

Nasma Ali, broker and founder of OneGroup in Toronto, says that with borrowing costs at their highest point in years, cheaper condos will be especially “desirable” in otherwise expensive markets.

“For a first-time homebuyer who’s in Toronto, the most affordable asset class is a condo,” she notes. In Calgary, Lyall says the push for condos is already underway. Three years ago, she says the condo market was sitting at eight months’ worth of inventory, but heading into 2023, that’s already down to two months’ worth.

“That is the fastest growing market segment in terms of price right now and in terms of sales, it’s leading the way and we haven’t seen that for a long time.”

The pain of higher interest rates could hit the pre-construction market especially hard in 2023, some experts warn. Ali says that for buyers who put money down on a home in 2020, when interest rates were low, the bar for qualifying for a mortgage is much lower. This is because of the Bank of Canada’s upcoming hikes in 2022. In some cases, these purchasers have locked in their purchase at pandemic prices and have not yet benefited from the recent cooling, she notes. Therefore, they are now forced to pay peak prices at much higher interest rates.

With those homes coming up for completion in the year ahead, these buyers will be forced into difficult positions, Ali says. Some could be forced to come up with extra money to cover a home that wasn’t appraised for the mortgage they needed. In addition, they may not be able to afford the monthly mortgage on the property at today’s higher rates, she explained.

As a result, they may have to assign the sale or sell at a steep loss, Ali said. “If the dominoes fall, usually what this means is that we’re going to have more listings hit the market,” she says.

Pasalis agrees that the pre-construction market is looking vulnerable heading into 2023. Prospective buyers could even find a deal if an investor is desperate to unload their pre-construction condo, he says.

“We’re starting to see some distress among pre-construction condo investors,” he says. “There could be some opportunities as a buyer to get some value because that is the condominium market segment where there’s a little bit more pressure.”

The units are not listed on traditional multiple listing services, though, so Pasalis says that anyone keen to scoop up a unit as it comes up for completion will have to search a little more carefully or proceed directly to the source in their new year housing hunts.

[canada4news]

Is a reverse mortgage right for you? Vancouver broker Michelle Byman explains the pros and cons

Is a reverse mortgage right for you? Vancouver broker Michelle Byman explains the pros and cons

Canadian homeowners are sitting on a pile of wealth. The value of residential properties across the country increased from at least $3.8 trillion in 2011 to more than $4.8 trillion in 2015. Although Statistics Canada has yet to update these numbers, the picture is sufficiently clear. Moreover, Canadians have a huge equity in their homes. (Home equity is the difference between the current value of…

[landmarkfinancialgroup]

Why should you invest in real estate in Canada?

Buying a house or commercial space in Canada can be very beneficial for you if you understand their laws properly. To begin with, ownership of property in Canada does not need residency or citizenship. However, if you want to stay in Canada permanently, you must complete immigration requirements first. Annual tax reports are required by the CRA for non-Canadian owners of rental property in Canada (CRA).

Property Taxes

First, $200,000 is taxed at one percent, while the rest is taxed at two percent when purchasing a home in the province of Quebec. First-time homebuyers in Canada may be exempt from this program. Annual property taxes based on market value are also levied by municipalities. Schools are included in municipal levies. The data on a property's tax bill is widely available. A portion of your GST can be refunded if you're moving into a newly constructed or builder-renovated house for sale west island Montreal or in any other location. GST does not apply to resale properties.

Rental Property Taxes

Canada's Income Tax Act mandates that all rental income be taxed at a rate of 25 percent per year. Filling out Form NR6 allows non-residents to deduct 25% of their net rental revenue (after expenses). If the rental property is losing money, you can deduct the losses from your taxes. If you're a co-owner or a partner, the tax treatment of your rental or company revenue will differ. The operational and capital costs of renting a property are tax-deductible expenses. The latter option is more advantageous. Rental income cannot be reduced by the expense of renting furniture or equipment. Expenses for products that depreciate can be subtracted over time. Allowance for future costs of capital (CCA).

It is possible to deduct investment property taxes and the interest paid on mortgages, bank loans, and credit lines in Canada.

Putting commercial, residential, or Industrial real estate for sale Pointe-Claire

Non-Canadians who sell Canadian real estate face a 50% withholding tax. Those who make a profit from their investments must notify the Internal Revenue Service (IRS). A foreign tax credit can be claimed if the gain was taxed in Canada. CRA clearance certificates are required for non-residents selling Canadian property. With no proof of residency, a buyer could be held accountable for any unpaid taxes by the Canadian Revenue Agency (CRA).

If the home is your principal residence and you're a Canadian resident, you won't be subject to capital gains tax. It doesn't matter where you live, as long as it's where you spend most of your time. 3 For those who prefer a cottage or mobile home, this is an option. Each family is allowed to have only one principal residence at a time. Consequences follow from this need. As a result, you must decide which of your properties to categorize as your primary residence based on the number of capital gains. You may also consult with specific brokers in areas such as Montreal commercial real estate brokers.

Prorate capital gains if the property was not your primary residence for the whole time that you owned it. Taxable capital gains may result from moving from a rental to a primary residence. It is possible to delay this gain until the sale of the property.

Taxes on capital gains accrue when you leave Canada with appreciated Canadian assets. When a non-resident property owner dies or transfers property to a firm or a relative, this "deemed disposition" may also apply, even if no money is transferred.

Home equity

If you have equity in your Canadian home, you could benefit from a reverse mortgage or an equity line of credit (HELOC). If you're 55 or older, you can get up to 55% of your home's market value with a reverse mortgage. Tax-free and non-returnable. Long-term ownership of a home is an option for those who have saved their money and invested it wisely. Upon the death of the homeowner, or the sale of the property, the loan is paid back. 5

There is a second mortgage on your home that is used to secure your HELOCs. There is no penalty for paying down the principal at any time. However, lines of credit have a lower interest rate than unsecured loans, but higher interest rates than mortgages.

In general, property laws in Canada are fairly lax. Non-Canadian citizens can deduct property taxes and interest payments from their taxable income. Owning, inhabiting, renting, and selling property all have tax implications that should be understood before making an investment.

Source By: https://landmarkrealties12.blogspot.com/2022/06/why-should-you-invest-in-real-estate-in.html

[cdntrustee]

CANADIAN REVERSE MORTGAGE: SENIORS MOVING FORWARD WITH INCREASED DEBT

CANADIAN REVERSE MORTGAGE: SENIORS MOVING FORWARD WITH INCREASED DEBT

[monkeytools msnip=”https://monkeyplayr.com/playr.php?u=5173&p=21282″%5D Introduction

I recently read an article that said seniors are taking on Canadian reverse mortgage debt in record numbers.  In fact, this year, it is one of the fastest-growing debt products.  

On April 30, 2018, I published Brandon’s Blog titled “CANADIAN REVERSE MORTGAGE INFORMATION:  EASY TO LOSE THE HOUSE IF YOU DON’T…

[sunlite-mortgage]

What to Expect from a Professional Reverse Mortgage Broker

When considering a reverse mortgage, working with a professional reverse mortgage broker can significantly simplify the process and ensure you get the best deal tailored to your needs. A reverse mortgage allows homeowners aged 55 and older to borrow against the equity in their homes without selling them. Key Canadian financial institutions, like HomeEquity Bank, Equitable Bank, and Bloom Financial, offer reverse mortgages, with brokers acting as intermediaries to help you choose the right option.

Here’s what to expect from a professional reverse mortgage broker:

Expert Advice: Brokers help you understand the different types of reverse mortgages and guide you to the one that best suits your financial needs.

Comparison of Lenders: Brokers work with multiple lenders, allowing you to compare rates and terms to get the most competitive deal.

Application Assistance: They assist in navigating the paperwork and documentation required, ensuring a smooth and timely application process.

Personalized Support: Brokers offer advice and support throughout the process, providing peace of mind and ensuring that your financial interests are protected.

Reverse mortgages can be a great solution for retirees seeking additional cash flow without monthly payments, and the funds are tax-free. If you're looking for the best reverse mortgage broker in Canada, Sunlite Mortgage is an excellent choice. With access to top lenders like Bloom, Chip, and Equitable Bank, Sunlite Mortgage ensures competitive rates and exceptional service. For more information or to schedule an appointment, call  (877) 385-6267 or email info@sunlitemortgage.com.

[donemortgage]

Best Mortgage Rates Ontario for Your Dream Home with Done Mortgage

Looking for the best mortgage rates in Ontario? You've landed in the right place! The journey of securing a mortgage can be daunting, especially when you want to ensure you're getting the best deal possible. Whether you're purchasing your first home or considering a construction mortgage, understanding the options available can help you make informed decisions. At Done Mortgage, we are here to guide you through this process, ensuring you find the best mortgage rates tailored to your needs.

Understanding Mortgage Rates

Mortgage rates can vary significantly based on several factors, including economic conditions, the lender's policies, and your creditworthiness. In Ontario, staying updated on market trends is crucial to ensure you get the best mortgage rates possible. Lower rates can lead to substantial savings over the life of your loan, making it essential to shop around and compare different offers.

Why Compare Mortgage Rates?

Comparing mortgage rates is vital because even a slight difference in the interest rate can impact your monthly payments and the total cost of your mortgage. When looking for the best mortgage rates in Ontario, consider reaching out to multiple lenders, including banks, credit unions, and mortgage brokers. Each may offer different rates, terms, and conditions that could better suit your financial situation.

What is a Construction Mortgage?

A construction mortgage is a specialized loan that finances the building of a new home or major renovations on an existing property. Unlike a traditional mortgage, which provides a lump sum payment, a construction mortgage disburses funds in stages as the project progresses. This arrangement allows borrowers to pay interest only on the amount drawn, making it a cost-effective solution for many homeowners.

Factors Affecting Construction Mortgage Rates

When searching for the best mortgage rates in Ontario, it's essential to understand the factors that can influence construction mortgage rates. These include the overall risk of the project, the lender's assessment of your financial health, and the estimated completion timeline. Lenders may also consider your credit score and previous experience with construction projects when determining your rate.

The Benefits of Working with Done Mortgage

At Done Mortgage, we pride ourselves on our personalized service and expertise in the Ontario mortgage market. Our team is dedicated to helping you navigate the complexities of obtaining a mortgage. With our extensive network of lenders and a deep understanding of the market, we can help you find the best mortgage rates that align with your goals—whether you're looking for a conventional mortgage or a construction mortgage.

Preparing for Your Mortgage Application

Preparation is key when applying for a mortgage. Gather essential documents such as proof of income, credit history, and details about your financial situation. Having this information readily available can expedite the application process and improve your chances of securing the best mortgage rates in Ontario. A well-prepared application signals to lenders that you are a serious borrower, potentially leading to better terms.

Tips for Securing the Best Mortgage Rates

To secure the best mortgage rates in Ontario, consider these helpful tips:

Improve Your Credit Score: A higher credit score often results in better rates. Pay down debts and make timely payments to boost your score.

Consider a Larger Down Payment: A larger down payment can reduce the loan-to-value ratio, making you a more attractive candidate for lower rates.

Lock in Your Rate: Once you find a favorable rate, consider locking it in to protect yourself from potential increases during the processing period.

Conclusion

Finding the best mortgage rates in Ontario is a crucial step in your home-buying journey. Whether you're interested in a traditional mortgage or a construction mortgage, Done Mortgage is here to help. With our expert guidance and personalized service, we can ensure you secure a mortgage that meets your needs and budget. Don’t let the complexities of the mortgage process overwhelm you; reach out to Done Mortgage today and take the first step toward your dream home!

[davidrhoddmortgagebroker-blog]

David Rhodd - Mortgage Broker - Limitless Solutions Financial Group Inc

Address: 1 Nelson St W, Brampton, ON L6X 1B6, Canada

Phone: 647-723-2046

Website: https://lsfg.ca/need-a-mortgage

Mortgage Lender in Brampton and surrounding GTA areas. As a Mortgage Broker we help first time home buyers and existing home owners get a mortgage or refinance mortgages at really low mortgage rates. We also are direct lenders for first and second private mortgages. If your over the age of 65 we can assist you with a reverse mortgage, being certified in reverse mortgages, we fully understand if this mortgage is right for you. We love construction, renovation mortgages and debt consolidation mortgages. Give us a call today and experience the difference of exceptional customer service that caters to your mortgage needs.

Keywords: Mortgage broker, Investment service, Financial

Hours: Wednesday: 9:30AM–7PM Thursday: 9:30AM–7PM Friday: 9:30AM–7PM Saturday: Closed Sunday: Closed Monday: 9:30AM–7PM Tuesday: 9:30AM–7PM

facebook: https://web.facebook.com/lsfg.ca?_rdc=1&_rdr

[ratefair]

Homeownership or Home Equity: Purchasing Your First Home in Edmonton

Indeed, for many people in Edmonton, purchasing their first home, or getting access to cash in an owned home are significant financial opportunities. Edmonton has initiatives to help individuals who are first-time home buying, and also those who are seniors who require home buying and or access to home equity. This blog is about a first time home buyer program which is being offered to people in Edmonton and also about Reverse mortgage broker Edmonton which are available to seniors.

The First-Time Home Buyer Incentive

It turns out that the first home buyer incentive Edmonton is a fairly good idea that is going to assist a significant number of first-time homebuyers in purchasing their first homes at affordable prices.

In the same year, the federal government launched the First-Time Home Buyer Incentive which is meant to help these buyers make the necessary down payments to qualify for a home purchase. Available in national territory, including Alberta specifically Edmonton, the program grants up to 10% contribution toward a first home purchase through a form of shared equity home financing.

Reverse Mortgage Broker Edmonton

When applying for the First-Time Home Buyer Incentive there are some basic requirements that buyers must meet concerning their income, the purchase price of the property, use of the property as a primary residence, as well as other conditions. The incentive ranges from a 5%rebate of the purchase price of a resale home or 10% rebate of the purchase price of a newly constructed home. Though it operates independently, it is financed by the federal government and Canada Mortgage and Housing Corporation (CMHC).

Ways of utilizing a Reverse Mortgage in Edmonton

For seniors who are homeowners, using home equity via a reverse mortgage at some later stage can enable them to source for cash for their needs in their post retirement age. Another kind of home equity loan is a reverse mortgage whereby individuals are provided with a part of the home value but still maintain full ownership of the home. It is said that the funds do not have to be paid back until the senior dies, sells their home or moves out, which makes it a versatile type. Before entering into a reverse mortgage in Edmonton it is most recommended that one seek the services of a professional reverse mortgage broker to determine whether you should take up the reverse mortgage. Then the broker will have to state the advantages and disadvantages of the home equity, as well as who qualifies for the tax-free funds and how they can get it. They can also assist the seniors sit down and compare various reverse mortgage lenders as well as products, and come up with the one that best suits the senior in question in regard to his or her financial status and future plans.

[letsimportanttreecollection-blog]

Cheap cars with a nice interior??????????

"Cheap cars with a nice interior??????????

Hey im 18 and hoping to buy my first car soon (Living inthe uk)   I'll probably buy a used car too   I want a car thats cheap to run, cheap insurance, etc   But with a nice interior :)   This cars interior is perfect!   http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg    Can you guys reccomend any?

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

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Named driver had crash. Should I tell my car insurance?

Last year my girlfriend has a car crash, she was not at fault. So she didn't tell her insurance company and claimed of the other party. So she is assuming her car insurance does not know. Now I am looking to get insured on my first car. If I add her to my insurance as a named driver the premium is about 200 less. The problem is she doesn't want me to tell the insurance company that she crashed, as they asked has the named driver crash. I am now worried I were to crash, they would see she had crashed and void the insurance. I am tempted just to get my insurance in my name and pay the extra 200 for peace of mind. She will not under any circumstance tell her insurer she crashed as she thinks her premiums will rise. But I have found out that the insurance companies have a database of all claims, so they can easily find out that she has crashed. She refused to allow me to put on my application for insurance that she has crashed. What to do?""

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I went for over eight years without getting a ticket and got one over a year ago and one recently. I accepted and paid the fine--improper-turns--learned my lesson the hard way. Anyway, I have been with the same insurer or 6 years and saw a decrease in my rate last year, despite the ticket. My insurer only views records at renewal and mine is not up for almost a year. By then, my first ticket will be about two years old--if they notice it next year. I am middle-aged and get a multi--vehicle and home discount and don't live in the city. My car and truck are about 150 a month or both, with full coverage. How much do you think it might increase to? Thanks.""

Auto Insurance Broker fee in CALIFORNIA?

What is the average auto insurance broker fee in California. What's the minimum and maximum broker fee? My auto insurance bill states the total costs for my six month policy premium is $200.00, but I paid the broker $275. How is it calculated? I just want to make sure he didn't over charge me. If possible, please include links. If I call my auto insurance company, will they be able to tell me or will I have to call the broker and find out. Your assistance is very much appreciated.""

How much would a 1 million dollars liability policy cost per month for a fright transport company?

Im starting a small hot shot trucking transport company. I need to know how much a 1 or 2 million dollar policy will cost me per month. Or what kind of Insurance I would need. I will be hauling oil field equipment, cars, pipe, tanks, air fans, motors, things like that.""

How much on average does it cost to have a 16 year old A student on my insurance?

I have a daughter who is dying to drive (we'll be sharing my car) but I don't know if I can afford the insurance! If you have a similar daughter how much did your insurance go up? I tried all these free quote places, but something about the quotes seem off...did you have to pay $300 a month? How much was your insurance originally?""

Cant find insurance for a 17 year old?

my son is 17 and we just got him a peugeot 106 1.1 2000 and we have searched near enough every insurance company and we cannot find a quote under 2000 pound i know this is good compared to some quotes but does anybody know where i can go to get it cheaper Thanks

How can I help my girlfriend get cheaper insurance? She is 20 years old.?

My girlfriend just got a new Cobalt lt. The insurance is in her fathers name, and she is listed as a driver. The car is in her name. Her father has a good driving record, yet the insurance is around $250 a month! Please help, is there anything I can do to get her insurance cheaper?""

Cheap insurance for a sixteen year old girl on suzuki 124cc maurder?

living in limerick ireland

What automotive insurance companies insure right-hand drive cars in Ontario?

I'm looking to get insurance on a right hand drive import (Nissan Skyline) in Ontario, Canada. Prior to January 2012 this wasn't the hardest thing to do. It's gotten increasingly difficult. Anyone know of a company that still insures these imports at a reasonable rate?""

Can my parents add me to their car insurance for a shot period of time?

I'm planning to go on a road trip and I was wondering if it's possible for my parents to add me to their insurance so I can use their car for a week, and whether it will be cheaper that way than to rent a car (I'm 24). They have American Family Insurance.""

Car insurance?

i have a license and live in CT and i have a question about insurance the web page says the vehicles should be insured. my dad and mom have insurance for their them but i dont so i dont have to get insurance because the vehicle is insured? or everyone should have insurance who drives on the road?

Car Insurance for 18 year old female?

Hiya! I am due to pass my driving test by my 18th birthday. Ive been doing some research and got quotes of minimum 6K and even one which was 12K. I don't understand how the insurance companies reckon people like me can afford that kind of money. Do you kbow any good insurers that will help me out? A maximum of 2,000 will be ideal! I have the car ready and sorted. Its a Toyota Yaris 2001 with a 1.1L engine. It is worth less than one grand. Sooooo.....""

Taxi insurance?.....?

Just wondering how much about the taxi INSURANCE is to be a driver. Im 21, have my own car. Normal insurance is around 240 PM (60 week). Anyone know how much extra on top of that for taxi insurance? Around 30 more ive been told?""

Car insurance question?

my car broke down so i took it off my insurance policy, i joined my brothers policy as Just a driver because in the state of ky every licensed driver has to be insured, not to mention my insurance is very high on my own policy. if i were to fix my car, would i have to put it on the policy as well? or can i just drive it? i only have liability so its not like my car is covered in the event of an accident anyway.""

What is the best website to get cheap moped insurance ?

What is the best website to get cheap moped insurance ?

Does affordable car insurance exist for a 19 year old?

I'm a 19 year college student. Currently I'm a closing manager at McDonald's and a certified Cisco Network Associate. I'm in the process of buying a vehicle and was optimistic about it until I started to look for insurance. The cheapest policy I've found is $338 a month. There isn't any way I can afford that and the car payment. It's not that I'm lazy and don't work, I work 40 hour weeks plus overtime from closing. I live in a rural area (North Georgia Mountains) so taking the bus isn't a option for a 20 mile commute. My closest neighbor is 7 miles away so car pooling isn't realistic. I feel somewhat hopeless. I would join my parent's policy or something similar but I live on my own and have little to no contact with them. I've been borrowing my Mother's car to get to work but she's given me 3 weeks to get a vehicle or walk. I have found it to be almost impossible to transition into the real world and become an adult and live on my own. What's a guy to do in my situation? I can't work without transportation, and without work I can't pay bills. That American Dream I grew up hearing about seems to only exist for people who have established wealth and good parents. What's left for the others? Are people in my situation just ******?""

Cheap cars with a nice interior??????????

Hey im 18 and hoping to buy my first car soon (Living inthe uk)   I'll probably buy a used car too   I want a car thats cheap to run, cheap insurance, etc   But with a nice interior :)   This cars interior is perfect!   http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg    Can you guys reccomend any?

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

Will my insurance go up in missouri if i get a speeding ticket for going 15 over the posted speed?

will my rates increase? i was going 60mph in a 45mph zone.

Which auto cost more for auto insurance sienna or rava 4?

Which auto cost more for auto insurance sienna or rava 4?

Looking for affordable medical insurance plan for my husband. he is 31. please suggest?

Looking for affordable medical insurance plan for my husband. he is 31. please suggest?

Whole life insurance policies?

I need financial opinions on whole life insurance policies and am afraid to ask an advisor for fear that he/she would try to sell me something. We purchased three whole life policies in 1991. I know now that most experts advise against them now because of the high premiums, and advise buying term and investing extra money elsewhere......but we have accumulated a lot of dividends over the years but we're at the point now that we are tired of paying the premiums and thinking about having the dividends pay for the policies until the dividends run out....and then of course we would start paying for the polciies again. Is this a mistake or should we continue to pay the premiums and keep thinking of it as an investment or more money if one of us dies prematurely? Another thought.....we will be having future college bills whereas we can try to get a student loan or borrow against these policies with an option to payback with interest or not pay back at all thus taking away from death benefit. What's your opinion on this?""

Filing a complaint about an auto insurance problem?

I want to send a letter to a Federal Agency that oversee's auto insurance companies and their responsibilities to the consumer

Insurance Company?

Does anyone know personally about the celtic health insurance. is it a good insurance company? I am needing insurance and I recently found the celtic health insurance company, and Humana. what do yall know about these?""

How to find out if someone does not have no car insurance?

Somebody back intoo me at walmart parking lot they said they dont have no car insurance so i got down there name and stuff and called it in but i think the lady was lieing about have no car insurance is there any way to find out mybe by a drive tage ?

Would having 2 cars be the same insurance as 1 car?

I have a 09 dodge charger, which you will probably figure the insurance is higher than average. So I was thinking, If I buy another lower level car, for example, a dodge neon. keep in mind that I am the owner of both cars, and only I will be driving the cars. would the insurance be the same or even lower?""

Cheapest Contents Insurance Company?

Hi i need to get contents insurance for a rented house with 4 bedrooms. the cheapest i've found is HSBC - 19 a month (unlimited) Do you know of anywhere else that's cheaper?????????????????? Thanks.

What car insurance company is offering me a better deal?

I'm 21 years old, and I'm thinking of upgrading my 2005 Chevy cavalier to full coverage. United auto insurance wants $186 down and $147 monthly for 6 months. My current company wants $262 down and $131 a month, for 9 months. Which company is the better deal? Should I even get full coverage for a 2005 cavalier?""

What is the difference between insurance and coinsurance?

I'm on a website looking up health insurance quotes and it also has a column listed for something called coinsurance. What is coinsurance? Here's the site I'm looking at: http://www.lowcosthealthins.com/quote/plans.jsp

""Hit and Run Insurance, Could i get a new car?""

Hi, so this morning someone crashed into my car..hit and run, people now a days, and ofcourse it ruined my fourth of july. I have full insurance cover 100 Deduct Comprehensive and collision, and i was reading comprehensive replaces your car or something? Idk, but thats what i want. I had a brand new 2013 Malibu Eco LTZ, loved it, now its messed up, n now im not going to be able to re-sell it down the line ya know :/, but since i have that, could they replace the car and give me money to buy a new one? Heres something extra 1.Brand New Car 2. Insuring 4 cars with them (State Farm) 3. Re-sell values gunna be ****.. 4. I had state farm for years So, is it possible for me to get a brand new car?""

Question about car insurance?

My husband made a dent in his car when trying to park. He now wants to fix the dent. Can car insurance cover this?

How can i get cheaper car insurance quotes at 17?

Hi,i have just passed and got my driving license but when i ask for a insurance quote its to expensive and too much! Is there anyway to get me a cheaper insurance quote is there any tricks or advice that can help? Please Please reply""

Insurance help???!?!?!?

right, im a 17 year old male who passed my test in may 2010, however i now have enough money for a cheap car and insurance, but why is it so expensive?? cheapest i have found is like 4k so please if anyone can help what is the best cars to get cheap insurance, i have tried putting myself as a second driver but is still really expensive, i need some help where is the best place, what is the price you have? i just need helpp!!!! pleeasssee""

I am Looking for a Best site for Comparing HEALTH INSURANCE Quotes Online?

Are there reasonable car insurance quotes comparison sites online that someone can link me?

Insurance money or insurance fraud?

My dad told me a story about his boss a long time ago about how his wife survived cancer, and incurred 1million dollars in bills. the company has a health insurance that covers his entire family, but he also was covered by another health insurer...be it his or possibly his wifes. After the whole ordeal he paid off all the bills and had received an extra 1Million from insurance.... Was this legal? ( He was paying for both insurances ..knowingly or possibly not )""

Cheaper Insurance on Mitsub evo?

Im looking into buy an Mitsubishi EVO 8 but the insurance will be way too expensive. If i finance it and put the car in my moms name and the insurance in her name could i save money(my moms like 54). My insurance company says i can use other peoples cars as long as i have a policy myself which i do. How much do some of you people pay?

How much is your monthly car insurance bill?

indicate your age and if you have full coverage. I want to know if what I'm paying is average. I'm under 25 and I was involved in an accident.

Car insurance?

what things should i look for in car insurance? and what exactly is a car insurance bond? any scams i should look out for? any good reasonable car insurance rates?

Whats the best auto insurance for a 20 year old girl with a 2006 Jeep Grand Cherokee?

What would be the best and the cheapest auto insurance for a girl 20 years old with a 2006 Jeep Grand Cherokee Laredo with 6 cyn 4X4 and a security system???? Which one would you consider the cheapest auto insurance?? She got a speeding ticket on 8/8/08 too going 45 in a 30.

What cars are cheap and affordable for first time drivers ?

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

I am planning to leave the country for two years and have a car insurance question.?

I will be out of the country for two years doing a peace corps type volunteer program, I am currently on my father's car insurance and don't own my own car. I pay about $400 a year to have the right to drive one of his cars. Is it worth cancelling my insurance for two years or will the uninsured penalty be worse. I am currently 22 and a recent college grad. Thanks for any help.""

Medical/health Insurance for H1b and H4 visa holder?

What is the best medical/health insurance ?Is dental,vision and pre natal included? What are HMO/PPO plan?What do i need to know about it? need some input. pls suggest. thanks =)""

Cheap cars with a nice interior??????????

Hey im 18 and hoping to buy my first car soon (Living inthe uk)   I'll probably buy a used car too   I want a car thats cheap to run, cheap insurance, etc   But with a nice interior :)   This cars interior is perfect!   http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg    Can you guys reccomend any?

Do I have to have proof of insurance before I can take my drive test?

and what else do I need to bring with me?

Best place to get term life insurance?

Best place to get term life insurance?

Will lifting my Jeep affect my insurance rates?

I have a Jeep Cherokee, which is my daily driver, but I'm lookin into making it alot bigger, putting a 6 lift kit on and putting 35 tires. I dont know whether or not I need to notify my insurance company about this. I dont expect them to insure the lift or anything, but can I be dropped by them if I do not tell them? I'm not actually going to be taking the truck offroad (stupid I know, but its just for looks).""

Where can i get glasses with nationwide insurance?

i need to get glasses for my kids and their under nationwide insurance ...where can i go so that i dont have to pay and the insurance covers it?? if you get what i mean haha

Why is the insurance prices so high?

OK from what I have seen from my friends they have been getting car insurance for there cars for about 1000 a year, now when I check on gocompare.com the cheapest quote is around 7000, what is wrong I've only been searching a vauxhall corsa 1.2l. I don't see why it would be that much.""

""Are you prepared to pay 10-11-13% of your income for $1100-1300 deductible health insurance, not copay?""

Will you go to the doctor more if another large percentage of your income is taken from your check and you still have to pay for office visits until you have paid $1100 to $1300 deductible before your insurance kicks in each year? http://www.bcbst.com/learn/affordability/04-639GovernmentMandatedBenefits.pdf Skip to page 16 to see the summary. This is a report by Blue Cross Blue Shield, a nonprofit health insurance provider. Government interventions causes health care costs to rise, not go down. http://www.quick-online-insurance-quote.com/blog/2009/05/13/what-is-the-average-price-of-health-insurance/ Why doesn't the government talk about the price each American will pay for government run health care plans?""

What a cheap small car insurance company ?

Not a big company like geico , State Farm , or nation wide""

Can I get a mortgage with no life insurance?

Can I get a 75K mortgage with no life insurance in the UK? If not, will the mortgage company want to know who the insurance is with? Will they issue a mortgage with NO life insurance at the age of 52?""

""Does price of car insurance go up, down, stay the same, after getting G licence?""

I'm in Ontario, Canada and am going for my G licence in July (I'm 26, if that makes any difference?). Right now I'm an occasional driver on my parents insurance and plan to stay that way after I get my G. Right now my insurance is 90 per month. I want to save up for enough insurance for 12 months so when I move out it's out of the way for one year. Anyway, does anyone know if the price of insurance goes up, down, or stays the same after getting your full G licence? I kind of want to figure out how much I should save up for the full year by knowing how much it'll be monthly. I plan on going in and talking to them, but I wont be able to for a few days...just curious if anyone can basically give me a heads up. Thanks.""

Can a good credit score get you cheaper insurance?

Can a good credit score really lower your insurance rates?

How much does Car insurance cost for a new driver?

in a couple of months I will be 17 and will be able to drive after I have passed my test, although I am very worried about car insurance I cant wait to drive but I feel I can't afford car insurance. Please could you give me rough estimates?""

What liability limits should I apply to my auto insurance?

My husband and I are researching new insurance rates. We have looked into Geico and are almost ready to buy the policy. We currently have 25/50,000 liability limits, but since we own our house and can afford a little more, we're looking into increasing our liability to 100/300,000. Is that OK? Or, should we increase the limits to 250/500,000? It seems unnecessary to increase it THAT high.""

Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?

Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?

""Insurance question I need help with, any help would be great?""

I need some help here... The question is Hans sells his car to Pieter and now has no car and no need of auto insurance. Hans calls his State Farm agent to tell him to transfer his auto insurance to Pieter. The agent tells Hans: A. The transfer will not take place until that night at 12:01 AM B. That Hans will need to put Pieter on his policy as an additional driver C. That Hans must keep paying the premium until the end of the policy period. D. That he cannot transfer the policy to Pieter. E. None of the above. Im pretty sure B and C are incorrect, but otherwise I have no clue. Any help would be greatly appreciated!""

Car Insurance Question?

Hello- I was involved in a really bad car accident, where I was the stationary vehicle in my lane and the other driver was completely at fault, texting, speeding at 60+ over, lost control of his car and ended up horizontal in the road- needless to say my car is totaled and the other driver lost his life. He was really close to have taken mine as well. Anyways, my question is how long does it take for the insurance to cut a check so that I can go out and buy a car?""

How much would car insurance cost for me?

I'm 17 years old, canada, ontario. Just started driving.. Anyone recommend a company, or any adivce, what are the costs per month.""

Can my insurance company find out?

I'm currently a student with 1 years no claims discount on my Car Insurance. I've just finished University. I've renewed my quote and it states that I'm a student still, however I plan on working full time for this year. I decided to keep my occupation as a student, as it's significantly cheaper than if i tell them i work full time. Will my insurance company be able to find out if i'm still a student or not?""

Looking for the best prices in auto insurance and Quick!?

I know there are some reliable auto insurance companies out there with killer rates. Anyone know something good?

Cheap Car Insurance for young driver?

Hi, I'm 18, male and passed my driving test yesterday but when i looked on price comparrison sites it is extremely expensive even the ones that are supposed to be for young drivers, any tips on how to get cheap car insurance. The car is a 106 and i would like it to be fully comp. Thanks Ask for extra details""

Will having a hidden kill switch in my car make insurance cheaper?

So basically, noone will be able to start the car unless they know where the switch is hidden. Surely this increases the security of the car, therefore should make insurance cheaper.""

Is car insurance group 11 lower or higher than group 32?

i am wondering as i am looking for a car to learn in and it has to be lower than group 32 thanks

Car Insurance question..Im confussed ?? ( uk )?

O.k so Im a new driver and bought a car and signed up with insurance which worked out about 60 a month. My car broke down beyond repair and I have suspended my insurance as had to scrap the car. Now I been on car insurance websites to compare many different cars to see which is cheapest and all my other details are same but no matter what car details i put (different ages/ values) but all small cars similar to my last vehicle the quote comes up double the cost at over 110. Why is this ?

Insurance For Aprilia RS50: Im 16?

im 16 and im going to get an aprilia RS50 and i was woundering how much the insurance would be?? also? how much would the insurance be on a 50cc moped?

Teen girl car insurance premium?

I was wondering if anyone had an idea of about how much it would cost me. I'm buying (maybe) a 2004 ford focus with 53k miles on it, but it's going to be under my stepdads name (I only have half the cash right now and I need a car to get back and forth from classes in a couple weeks when I start at a local university so he's buying it and I'm paying him back). We also have a stage 3 2014 roush and a 2012 Nissan Titan on our plan. I know the (6 month?) premium on the roush is a little over 1300, but I'm not sure about the Titan, and im not sure if that will affect it. Im pretty much wondering about the insurance on the focus considering the fact that im a 17 year old teen. I have a part time job and I'm a full time student, though and that helps a bit. I also took drivers Ed. And I'm a mostly A with some B's honors student. So insurance price in terms of me?""

What does full coverage means to car insurance?

What does full coverage means to car insurance?

Cheap cars with a nice interior??????????

Hey im 18 and hoping to buy my first car soon (Living inthe uk)   I'll probably buy a used car too   I want a car thats cheap to run, cheap insurance, etc   But with a nice interior :)   This cars interior is perfect!   http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg    Can you guys reccomend any?

What cars are cheap to insure for 17 year old male like myself?

I have my practical in March, crossing fingers I pass so I thought now is an appropriate time to start looking for a car which is cheap to insure.""

Sports car insurance v.s normal car insurance cost?

how much more would a teenager have to pay for insurance for a sports car than a normal car?

Do you have to buy full coverage insurance?

If you are finance a car from a dealer? This would be in california

Health Insurance for Self employed with Maternity coverage?

I am self employed and want to purchase health insurance for myself. I need to find insurance with maternity coverage. I have looked on several online insurance quote websites, but have been unable to find maternity coverage. I live in Texas by the way. Does anyone out there have some info for me?""

Car insurance claim failed. I am totally innocent and will not give up. Where do I stand with this?

The accident happened on a roundabout I was already on, someone pulled out on me and I T-boned the side of their car. An 'independent' assessor has looked at my car and wrote a damage report which went to the other drivers insurance company (who I am personally claiming from as my insurance is 3rd party cover only). Their company have now wrote to me saying they are denying my claim because: They can't understand why the whole front of the car is damaged (erm..because I T-boned the other car!) They can't understand why the nearside wing is damaged (erm..because she kept driving for a few seconds, which tried to drag my car to one side. The chassis went out of line and it moved the wing out of position). They can't understand how the nearside door is damaged (erm..it isn't!). Is there much else I can do other than write to argue their statement? A solicitor or small-claims court would not be cost effective as I'm only claiming approx 400. What can I do?""

What is a good (cheap) insurance in Canada?

I'm a new driver, I would like to have an insurance for myself, in case IF anything happened. What are some companies with good deals? They are mostly expensive, but I have heard there are some cheaper ones available. Thank you for you help!""

How much does car insurance cost for a 18 year old?

I can get my license anytime now. North Carolina doesn't offer good student discount. I'm Asian, will be driving my dad's 2000 Ford Windstar with 70,000 miles. My dad says that adding me on to his Allstate account would cost 1100 every six months. That sounds a little exaggerated. Is there anywhere else where I can find cheaper insurance?""

Car insurance for an 18 year old parent?

will having custody of a child help lower or raise my insurance, btw thanks for those who help""

I looked for insurance quotes at progressive.com.?

At the end, I received a quote from Progressive and also 3 other leading competitors. I also received a quote from Progressive Direct which is lower than Progressive quote. Does anyone of you have insurance from progressive direct? What makes it different (and hence lower) than the actual Progressive quote?""

How much would insurance be for a seventeen year old female driving 1999 Chevrolet?

I am sixteen i turn seventeen soon. My grandma will not keep me on her insurance About how much will insurance be for me as a 17 year old female driving a 1999 Chevrolet

What are car insurance groups?

Im a provisional driver and ive seen a 2004 Vauxhall Corsa...it says the insurance is Group 3. So what exactly does that mean? And is that good considering it will be my first car that i will be driving around for quite a while? :)

Car insurance for you?

Not to sound stalkerish at all lol I'm just a lil confused on car insurance and want to know what about average is. So can you please put how old you are, what car you drive, and how much you pay... Thanks ALOT it means alot to me :)""

""Just passed driving test, 22 yr oldwhere should i go for cheapest insurance quote.?""

Just passed driving test, 22 yr oldwhere should i go for cheapest insurance quote.?""

How much does it cost to add a minor to my (RACQ)insurance if there under the age of 25?

How much does it cost to add a minor to my (RACQ)insurance if there under the age of 25?

""Car Insurance help, UK?""

i have been driving for 1 year in New Zealand, i dont have a full NZ license, but a restricted. i am now in the UK and want to know how much i will be paying for insurance roughly. i have just passed my uk driving test, so im basicly a new driver. Please Help""

Old bmws? Insurance? Cali driving age?

Hey, im 14 from California and will be 15 in september. I was wondering if anyone knew any nice older bmws, i like the e46 m3 and stuff but i was wondering if there were some other nice powerful ones i should know about. I dont want to spend more than 18k on the car itself. My next question is how much insurance usually is, i know its more expensive for a sports car but how much? The insurance doesnt factor into the 18k for the car, i was just wondering. And last, what is the absolute minimum age for driving in cali? My school is too far to walk or bike ( like 8 miles) and i cant really get a ride, i usually end up taking a city bus then walking 2 miles but the bus runs late a lot and im tardy for school. I say that because i heard there are special permits to just go and from school. Please reply of you know the answer to any all these question thanks!""

""Typically for a healthy young 27 year old male, how much is health insurance monthly?

how much would health insurance cost?

Cheap motorcycle insurance for 18 year old?

Im 18 an looking to get a street bike this year but the insurance company my parents have(some local small insurance company) saids they cant even give insurance until ive had lisense for 5 years which is bullshit. Even after 5 years they said it would most likely be around 4 thousand a year which is rediculous! All i want to do is own a motorcycle an ride but damn insurance is too high! Any cheap insurance that gives full coverage to 18 year olds. Btw my driving record is clean with no accidents or tickets

Insurance and garages?

if your buying a car from a garage will they ask for proof of insurance bought before they let u drive it away or are they not bothered? ive arranged insurance online today and am picking up car later will they let me drive off with car if i say i booked it over the phone, obviosuly i dont have any paperwork as its coming through post?""

Is the health insurance paid to lay off employee taxable?

If a company paid it's terminated employee a 6 month health insurance coverage, does this health insurance insurance payment taxable?""

Insurance related question to a 1987 5.7L IROCZ?

Hello I am 17 years old and have saved up enough money to buy a 1987 IROC-Z with 350TPI, 140K. Now when I purchased the vehicle a year ago I could afford to insure it but was to young to drive. I was supposed to get my G2 permit in August. I've already prepared it for the road for the but I am in Ontario and the driving strike is still going on. And to top that off, insurance companies raised their prices! I can no long afford to insure the car when spring rolls around. My mom made a good good...why not insure the car under HER name at a DIFFERENT insurance company, and put me as a secondary driver? That way I can enjoy the great prices and hell I bet she can have some fun driving this car. The car would not be insured itself, it will only be insured incase I hit someone and damage them. Would this affect her insurance rate at her other main company( 2 cars,house,boat)? Thanks!""

My dad says a 2 door car would be more on the insurance. Is this true? PLEASE ANSWER!!?

We went out looking for cars today and every 2 door car we saw he just kept walking by them. I dont know about him but Im a 2 door kind of guy. He said 2 door cars would be more Insurance. Is that true? I wanted to get this 2 door Cougar or maybe a 2000 or 2001 or 20003 Monte Carlo. WOuld that type of car add more to the Insurance? I really want the monte carlo. Im gonna be putting about $1400 down & the car cost no more than $5000.

What is the cheapest n nastiest car insurance I can possibly take out?

I'm 26, just got my license, have 0 years no claims bonus... What is the cheapest car insurance I can get? I don't care if they cover me for hardly anything... Also will they insure me on a Toyato Celica 1.8 VVTI 3DR 2000 I want the cheapest of the cheap guys!! Suggestions??""

""If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""

If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""

Car insurance quote should i pay?

i took out a car insurance policy 3months ago the operator quoted me 1050 pounds which i thought was a bit expensive, she said if i canceled within 14days (cooling of period) i need not pay no moneys!! i canceled within 8days. i got a cheaper quote elsewhere, Now the 1st insurance company are going to take me to Court they are saying i owe then 320 for 8days cover! should i pay them? whats the Law on this can any one help me has i don't think i should pay it.""

Cheap cars with a nice interior??????????

Hey im 18 and hoping to buy my first car soon (Living inthe uk)   I'll probably buy a used car too   I want a car thats cheap to run, cheap insurance, etc   But with a nice interior :)   This cars interior is perfect!   http://www.zcars.com.au/images/2009-honda-accord-euro-interior22.jpg    Can you guys reccomend any?

https://www.linkedin.com/pulse/hartford-auto-insurance-quote-phone-number-michael-alexander/"

[thetoasterissentient]

Key Real Estate Investing Strategies For Unlocking Success

Key real estate investing strategies are critical to unlocking success. Sometimes it's not enough to have the funds and the driveway; knowledge must be present as well. For people who want the ideal knowledge and investing strategies which might be applied for the current market conditions, keep reading. 

Wholesaling houses and other short-term investment methods are the secret to unlocking success in real estate now. While the conventional purchase and hold method won't ever go out of style, today's market demands quicker business models that yield money fast also. 

These are the techniques that you need to learn and learn if you would like to make tremendous money from the housing market. The business cycle of those methods rang from a few days to a couple months, unlike the regular buy and hold method, which lasts for a couple of years. 

Of the numerous key real estate investing strategies, you may want to begin with wholesaling. This regarded as the easiest. Additionally it is considered perfect for beginners as it does not need tremendous capital. You may find this ironic because property is often equated with gigantic capital. However, houses aren't purchased when wholesaled; they're only placed under contract. 

One under an arrangement, you can either assign the contract to a purchaser or bring the deal to a final company. Because the property doesn't need to be purchased first, investors have the ability to make profits from this business from a money measly deposit that is sometimes just $10. The deposit is made when setting the home under contract. 

The trick to wholesaling houses effectively is searching for motivated sellers. These are home owners that are desperate to sell their property. Families that have lost a bread winner - and consequently couldn't update mortgage - are deemed motivated. 

New divorcees or people who are"out of state" may also be regarded as motivated sellers. These home owners are ready to sell their home at a wholesale price and rather than waiting for a retail purchaser. For them, time is more important than the cost. 

Another one of crucial property investing strategies, rehabbing homes takes longer time than wholesaling. This can take up to a month or two because there's a good deal of physical work involved in this business. But to keep things brief, it's simply purchasing a dilapidated property in a wholesale price and then making repairs on it. Following the repairs, the house will be sold, this time in a retail and complete price. 

Real Estate Marketing Strategies- "The Secret" to Explosive Growth in Today's Market

When real estate agents follow this simple formula, they may get Top Producers in any marketplace. Part 1: Mindset In my job as a property business coach over the last 12 years, I've had the honor to interview the top producing real estate agents in the united states and Canada. 

This is what I discovered: the top producing real estate agents all said the exact same thing. "What helped me to reach the top was my mindset of all". When I inquired further as to what they were talking about, they pointed to using these characteristics: Optimism Positive Mental attitude Searching for chances Prosperity thinking Instead of lack thinking Clear definition of the ideal clients What I find interesting about all these mindset qualities is these are the exact qualities that the Law of Attraction teaches. 

But how can this be? Many top manufacturers have been successful for decades prior to"The Secret" ever came out. Here is why - even prior to the"The Secret" came out, the Law of Attraction has been around. Scholars in this century have written concerning the Law of this Attraction. Writers such as Emerson, Blake and Einstein, have written about the Law of Attraction. 

In 1962, Catherine Ponder released her first book called"The Dynamic Laws of Prosperity". This book was about Law of Attraction. Her main point was that you will need to radiate out until you magnetize in. To put it differently, you can not get something for nothing. You need to give first. 

Top producing real estate brokers may not have read these writers, and they train themselves to have a prosperity mindset. They train themselves to be optimistic, to search for the opportunities in any marketplace, and to concentrate upon what they desired, not upon what they did not want. This actually is the KEY. 

To succeed in any marketplace, you will need to be clear about what you would like to accomplish, then you want to know that you deserve it, imagine it and affirm it and take action steps to move you in the direction of your objective. This in essence is the Law of Attraction. Too many agents in the current marketplace are doing the reverse. 

They're focusing on what they do not want - the downturn in business, the slowness of this current market, the falling home prices, as opposed to seeing that today's marketplace is for the most part an exceptional time to be focusing on buyers. 

Home prices are low, and they might not get lower. Interest rates are extremely low and might not get lower. What more do you have to sell to potential buyers? Keep focusing on the opportunities at this time in the current market with a wealth mindset. Part 2: Action Steps It's not enough merely to practice"prosperity thinking" or to practice the Law of Attraction. 

[sunlite-mortgage]

The Ultimate Guide To Reverse Mortgages In Canada

Reverse mortgages are a financial solution available to Canadian homeowners aged 55 and older, allowing them to borrow money against the equity in their home without selling it. This type of loan is ideal for those with significant home equity who need additional income during retirement. The loan amount is determined by factors such as your age, the value of your home, and its location. The loan doesn’t require monthly payments; instead, interest accumulates on the loan balance, which is repaid when the home is sold or upon the homeowner's passing.

Three main financial institutions offer reverse mortgages in Canada: HomeEquity Bank, Equitable Bank, and Bloom Financial. HomeEquity Bank’s reverse mortgages can be accessed directly or through mortgage brokers, while Equitable Bank’s products are available exclusively through independent reverse mortgage brokers. These brokers are essential in helping you understand the different options available, comparing lenders, navigating the application process, and providing personalized advice tailored to your financial situation.

Reverse mortgages provide several benefits, including:

Access to Cash: Homeowners can tap into their home equity to cover living expenses, pay off debt, or fund home improvements without selling their property.

No Monthly Payments: Unlike traditional loans, reverse mortgages don’t require monthly payments. The interest is added to the loan balance, which is repaid when the home is sold.

Flexibility: The funds from a reverse mortgage can be used for various purposes, such as boosting retirement income, helping relatives financially, or renovating your home to accommodate mobility needs.

Tax-Free Income: The money received from a reverse mortgage is tax-free and does not affect government benefits like Old Age Security (OAS) or Guaranteed Income Supplement (GIS).

Reverse mortgages have grown in popularity in Canada, with the outstanding balance reaching $4.42 billion in October 2020. This trend indicates that more Canadians are utilizing reverse mortgages to stay in their homes, enhance their retirement income, or support family members.

If you’re considering a reverse mortgage in Canada, Sunlite Mortgage is your best choice. Our expert agents can help you secure the best rates and terms from top providers like HomeEquity Bank, Equitable Bank, and Bloom Financial. We also offer guidance on how to get some or all of your reverse mortgage setup fee reimbursed. To learn more, call (877) 385-6267 or email info@sunlitemortgage.com.