#Social Equity Licences

[cannabisbusinessexecutive]

Missouri regulators deny certification for majority of social-equity cannabis license winners

Of the 24 dispensary licenses selected through the lottery in June, The Independent has identified 14 that are likely connected to groups the state cracked down on previously David Huckins, a disabled veteran from Leavenworth, Kan., threw his name into the lottery this spring for a chance to win a social-equity marijuana dispensary license in Missouri. In June, he learned he landed one of 57…

[ladymazzy]

Revealed: top 10 children’s care providers made £300m profits

From the article:

'Profits among the top 20 providers of care home and fostering places now amount to 20% of their income. Despite the pandemic last year, their overall profits rose by more than 14% from 2020, according to the study commissioned by the Local Government Association (LGA).

The findings follow a series of warnings that marketisation of children’s social care is leading to some damaging outcomes. Several figures within the sector have reported children being placed far from their support networks where homes could be built more cheaply, or placed with families who lack the skills to provide the right care.

It comes months after a highly critical Competition and Markets Authority (CMA) warned that the UK had “sleepwalked” into a dysfunctional market for children’s social care, with councils struggling to pay for expensive places that often failed to meet the needs of the child.

...Some recent cases have brought home some of the long-running issues in children’s care. In January, Ofsted inspectors suspended the licence of one children’s home in Bolton after finding that a boy had not bathed, changed his clothes or been provided with a home-cooked meal for four months.'

[etorocryptomoon-blog]

eToro Review 2020: Read the features, pros, cons, and license details before investing

About eToro

eToro finds it’s identity as one of the leading social trading leaders and multi-asset brokerages. This online broker allows users to buy, sell, and trade a wide range of financial instruments. eToro takes pride in creating state-of-the-art, robust, and proven technologies which offer online trading through powerful and intuitive tools designed specifically to increase the trading performance.

eToro has served over 10 million users across the world. With that being said, eToro sure has expanded exponentially, and that’s why we decided to explore it in-depth and review what the fuss is all about. In this article, we’ve covered everything you need to know about eToro - including the pros, cons, how the platform works, fees, regulation, what asset eToro allows users to trade, and more.

Let’s start with an overview of the company:

About eToro

Founded in 2007, eToro was launched by three entrepreneurs who aspired to make trading convenient for everyone. In 2009, eToro launched WebTrader - an intuitive, online cutting-edge trading platform that enabled easy access to trade financial assets. In 2010, eToro launched OpenBook, the world’s first social trading platform, and in 2013, the company introduced a wide selection of stocks. Later on, in the year 2016 & 2018, eToro introduced CopyPortfolios and a state-of-the-art US cryptocurrency trading platform. With eToro, users can trade equities, forex, cryptocurrencies, stock market index, ETFs, commodities, and more.

Pros of eToro: 

One of the best advantages of using eToro is that the broker is apt for newbie traders. Irrespective of a user’s prior experience or lack of knowledge in buying and selling of assets, eToro makes it extremely convenient for everyone to onboard. Furthermore, it was one of the first pioneers of the online social trading phenomenon. Some of the pros of eToro are as follows:

● A highly intuitive trading platform ● Great UI and UX which makes it simpler to use ● Highly regulated   ● Free stock and ETF trading in the EU ● Option for investors to earn from their followers ● There are thousands of different assets to trade ● Seamless account opening ● Social trading experience

Cons of eToro:

● It requires regular monitoring ● Money management can be complex for the non-Forex traders ● It is expensive for non-EU customers

What are the assets that can be sold or bought at eToro

Initially, eToro was only focused on CFDs, and that explains the general misconception about their assets. Most people believe that irrespective of the financial instrument a user has invested in, they cannot own the asset in real. But that is not the case.

Shares and Stocks:

When a customer purchases traditional share or stock through eToro, they get full ownership of the asset and can share their review on etoro trusted review. It works the same way as buying any other conventional stock. However, it is crucial to mention a few fundamental terms and conditions for the same to remain valid.

Cryptocurrencies

Since 2017, eToro has been offering cryptocurrencies as well. Digital currencies are the financial instrument that a user can own at eToro, as opposed to holding a  CFD. The customers who wish to withdraw a number of cryptos to their wallet, would require a full exchange like Binance or Coinbase. 

Forex

Forex are one of the most commonly used segments available on the eToro platform. In fact, this department also has a dozen of tradable currencies that are paired across the minor, major, and also exotic threshold. eToro has a comprehensive number of cross pairs including EUR/PLN, ZAR/JPY, EUR/PLN, and CFD/HUF.

Copyportfolios 

One of the most popular management services offered by eToro is perhaps the CopyPortfolio service that allows the users to copy different markets on the basis of their investment strategies. eToro users can avail copy portfolio services for crypto portfolio, cryptoEqual, and Crypto-currency.

Licenses and Security 

One of the highly important factors to consider when buying or selling on a brokerage platform is their regulatory and license status. eToro is licensed and secured through three different authorities and commissions, including the UK Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), and Cyprus Securities and Exchange Commission (CySEC) - all of these make eToro

Customer Service 

eToro has a responsive customer support team that is operational on a 24/5 basis and most responsive via the live chat facility, which also means that if a customer needs help during the weekend hours, they’ll be required to wait for the weekdays.

Fee and Leverage 

eToro allows their European customers to trade for free, while it charges a low fee for the users who are a non-EU client. The charges come in the form of spread - spread is the difference between the bid price and the asking price. In a few cases, eToro asks for extra charges, for example, the inactivity charges. Other than that, there is no custody, account, or deposit fee - which makes eToro one of the least expensive platforms for European customers. However, the currency conversion and the withdrawal fees are higher on eToro. But the company charges a customer only after they withdraw or deposit money in currencies other than US dollars.

Final Thoughts 

In summary, it’s evident that eToro is taking charges as one of the fastest-growing brokers in the social trading space. eToro, not only has established its identity as one of the super convenient platforms to use for social trading and multi-asset trade, but it also hosts hundreds of instruments that are tradable at different prices. While a large number of assets available on eToro are hosted in CFDs form, customers can still own both the cryptocurrencies and blue-chips outright.

eToro offers a plus-point in terms of supported payment method as it allows the users to deposit their funds using many options - bank account, credit card, debit card, e-wallet, and more. eToro is secure to use since it holds licences from different regulatory bodies to protect their customer’s finds. On the other hand, eToro is not a cheap choice for non-EU customers and the customer support service is available only on a 24/5 basis.

[cannachiefsmedia-blog]

#1 Chuck Rifici, Chairman & CEO at Auxly

Corporate Bio

Chuck Rifici is a pioneer of the North American cannabis industry having created and managed opportunities that have positively impacted the Canadian landscape.  Chuck has founded and been involved in the creation of some of Canada’s largest and most successful cannabis efforts.  He is best known for having co-founded Canopy Growth Corporation (formerly Tweed Marijuana Inc.).

Today, Chuck is Chairman and CEO of Auxly Cannabis Group, a platform spanning the entire cannabis value-chain, minimizing risk while simultaneously maximizing exposure to multiple, geographically-diverse cannabis companies through a single source, and Founder and CEO of Nesta Holding Co., a private equity firm that creates wide ranging partnerships and brands within the cannabis industry. He is also the former Chairman of National Access Cannabis/Meta Cannabis Supply Co., a global leader in medical and recreational cannabis retail.

Chuck is a chartered professional accountant (CPA). He obtained his MBA from Queen’s University and holds a BASc in Computer Engineering from the University of Ottawa.

Social Media Links:     TWITTER      LINKED IN      INSTAGRAM

Exclusive Interview

How did you get involved with the Cannabis Industry?

My relationship with cannabis dates back a number of years and looking back I can pinpoint a pivotal moments that sealed the deal for me. I knew there would be a future for cannabis in the business world back in 2010, when California voters considered legalizing recreational cannabis, the ballot failed by 2%, but I realized I almost missed the boat and I vowed that I wouldn’t miss that opportunity again.  That’s what got me scanning for new regulatory changes in Canada, and ultimately, that gave me a head start on others. When the Harper government released the draft regulations (creating the MMPR, now ACMPR) on a Sunday, I spent the whole night reading and stopped everything I had going, so I could put all my focus into this.  I don’t think I slept a full night again for 6 months.  

What is your biggest accomplishment to date in the Cannabis Industry?

Yeah it's a tough one, I mean there's been lots of interesting things, certainly being a Founder of Canopy, it's hard to escape that and its been positive for me and obviously they've grown to be pretty big but I think the second time is always sweeter and creating Auxly and pulling  the team I pulled together there and as we ramp up for the next wave of products with infused products, vape pens, edibles I am really excited with what we put together and the team we built and so that is what I am most proud of right now.

What are your future goals?

In the next five years looking forward  to the normalization of cannabis in Canada and the acceleration of global expansion and I guess what I mean about that is looking forward globally to the trade of cannabis where we start seeing countries being able to export large quantities of cannabis and cannabis molecules for both medical and recreational use  and really see the industry grow as we see additional countries legalize. On the path towards that I am really looking forward to the next country to legalize federally whether that is Mexico or a European country or maybe the United States, if we get an early surprise. I think once we have 3, 4, 5 countries, you know very quickly we are going to have 10 to 20, and then 40 -50. I think it's inevitable and that's the most exciting part.

Do you think that inevitable globalization of  federal legalization will put more emphasis on the Cannabis Industry partner ecosystem?

Yeah I think as the industry grows and matures the nice part is you don't have to do everything, and as a company if you try to do everything, you're not going to be good at everything,  you really can specialize to some degree and so its nice now, we see it today with oil processing licences, we have people specializing in extraction, we have people who are pure play retailers, and as the industry keeps growing it allows  businesses and entrepreneurs possibly be specialized and really go after a very specific market or market opportunity. I think it's exciting as it makes the business more accessible because you don't have to be a massive public company to get involved in the business. You can choose the piece you want to work on and there will people you can sell to and people you can buy services from to enable that business, so  I think there will be more and more opportunity that is going to get created as the industry gets bigger.

Who/What inspires you?

It's funny I have never really been asked that before, or at least not for a long time. Let's see, for me, I am a big fan of people like Elon Musk and entrepreneurs taking huge risks. I find inspiration from people who tackle really big ideas and try to change the world. I think the Cannabis Industry is certainly not the most important thing  in the world but doing our small part, and I think as Cannabis is Legalized in Canada and the industry grows, it allows for the dismantling of the drug war and all the negatives that can from that and so I really like that positive effect of everything we work on in the business.

Do you use Cannabis products? If yes, what are your favorite Cannabis products/brands?

I do. I like vape pens I think  it's a great product. I think it will be the largest segment in the recreational space. Although I tend not to smoke too much flower, I am really excited for what we have coming with our Robinsons product in Auxly which we know tests very well against other products from their medical product and we are really excited to unveil that to the rest of Canadians when we hopefully get our sales license for that facility later this year.

[personalisedsupports]

Disability Support Services in Melbourne

Australia's national disability insurance scheme, the NDIS, supports people with a permanent and significant disability to access services and supports that meet their needs. It also gives them more choice over how their support is delivered, and gives them portability of entitlements across borders.

To help people navigate the system, two Australians have launched a new service called Clickability. The website is designed like travel-related website TripAdvisor but for disability services, and it's already available in Victoria and New South Wales.

The University of Melbourne

The University of Melbourne has a number of disability support services melbourne available for students. These include academic support, equipment loan and access to assistive technology, liaison, exam provision, advice and advocacy amongst others.

If you are unsure of how to support yourself, contact the University's Student Equity and Disability Support team who will help you find out what support is available to you. They also have a range of information guides which can help you navigate your studies and the supports on offer.

On enrolment, you will be asked to disclose whether you have a medical/mental health condition, disability or significant carer responsibilities. If you do, an introductory email from the Access and Disability Service will be sent to you inviting you to register for support.

After you register, you will receive an email from a Student Equitable Learning

Advisor with a link to book an appointment to create your Academic Adjustment

Plan. This can be done by phone, in-person or via a virtual appointment. You will need to provide your advisor with a letter from your GP verifying your medical condition and confirming the impact it has on your study.

National Disability Services

NDS is Australia's peak body for non-government disability service providers. It represents over 1100 service providers who deliver a wide range of services to Australians with disability.

National Disability Services is currently conducting a public consultation on the evolution of the Disability Services Act, which determines how government services are provided for people with disability. The aim is to ensure the Act is modern and suitable for the one in six Australians who live with disability.

The disability sector and people with lived experience can comment on the changes until 20 December. The feedback will help to identify and prioritise issues such as quality and safeguarding standards, and alignment of the Act to the United Nations Convention on the Rights of Persons with Disabilities.

The NDIS is a Commonwealth Government scheme that supports people with a permanent and significant disability (under the age of 65) to receive funding for reasonable and necessary support needs. It aims to improve access to services and support participants to make their own choices about how they want to live.

City of Melbourne

If you live in Melbourne you can access a range of disability support services. These include a wide range of community care, health and wellbeing programs, including social supports, meals on wheels, specialised care, occupational therapy, National Disability Insurance Scheme information and advocacy, positive ageing and carers support.

You can also get a driver’s licence or learner permit if you have a disability, as long as you are not in danger of losing your mobility and your disability doesn’t affect your ability to drive. You must provide VicRoads with a medical report that shows you can safely drive a car or motorcycle.

Many trams on Melbourne’s network have low floors and priority seats marked with a wheelchair symbol inside the door. These are designed for people who use mobility aids, such as scooters and wheelchairs.

All metropolitan train stations have tactile paths that make it easy for visually impaired people to travel to the platform. The time and destination of each train service is announced verbally before it arrives at the station.

Stop 1.

One of the most lauded agencies in the disability space is National Disability Services (NDS). They have a plethora of programs spanning everything from state to federal. Their website is an excellent place to start for information on all things disability. The aptly named Melbourne office is your one stop shop for all your disability support needs. The best part is that you can have a cup of tea and a slice of cake! The name of the game is courtesy of their team of dedicated professionals no small feat for the state of Victoria. It is the best possible way to make the most of a visit to this city.

[petnews2day]

Fifty-year home loans would get more on ladder but come with risks | Mortgages

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/fifty-year-home-loans-would-get-more-on-ladder-but-come-with-risks-mortgages/

Fifty-year home loans would get more on ladder but come with risks | Mortgages

A 50-year home loan might sound depressing to some, but perhaps not if the alternative is never being able to buy a property. Long-term fixed-rate mortgages are an emerging financial product that should in theory allow first-time buyers who are currently priced out of the market to get on the housing ladder.

By spreading the repayments over longer – the average for mortgages taken out this year is 29 years – buyers should be able to borrow up to eight times their income, rather than the current average of 3.2 times, say potential providers. The loans would be backed by borrowing from pension funds and insurance companies rather than against less stable consumer deposits, to satisfy the Bank of England’s prudential requirement.

A long-term fixed-rate mortgage could allow a household with a £50,000 annual income to borrow £400,000 instead of about £150,000, and thereby unlock the bind many renters find themselves in where they cannot get a mortgage on the property they live in despite repayments being lower than the rent.

It is an attempt to solve a serious problem. Last year full-time employees in England could typically expect to spend about 9.1 times their workplace-based annual earnings on buying a home; an increase from 7.9 times earnings in 2020, according to the Office for National Statistics.

Perenna, a new firm awaiting its licence, plans to offer the long-term loans. Its co-founder, Colin Bell, said: “Long-term fixed-rate loans really appeal to first-time buyers. One of the reasons they can’t get on the ladder is they don’t meet affordability tests that rightly have to take into account interest rate rises. They can get a mortgage, but it’s a small one.”

He said that as things stood lenders could make only 15% of their loans at a loan-to-income ratio above 4.5. The Bank of England would have to increase this for long-term fixed-rate mortgages to make them an option for more first-time buyers.

Sign up to First Edition, our free daily newsletter – every weekday morning at 7am BST

Fifty-year and other long-term mortgages would be transferable to other properties and, unlike conventional mortgages, could be bequeathed with a property after death, he said, though inheritance tax could be payable.

There are risks for consumers, said Nicholas Mendes, a mortgage technical manager at John Charcol, a mortgage broker. “The longer-term fixed rate could be more expensive over the course of the fixed-rate period,” he said.

UK Finance, the trade body for the banking and finance industry, said upsides included lower monthly payments and certainty over interest due. Downsides included paying more interest in the long term and building equity more slowly, and the mortgage term being likely to run into a customer’s retirement. It also said break charges could be higher.

Some fear initiatives such as long-term fixed-rate mortgages may be undermined by a lack of political drive to accelerate housebuilding, which could do more to solve the affordability crisis. About 340,000 new homes are needed each year in England, according to one estimate, compared with 216,000 built in 2019-20, the last year for which full figures are available.

“The government seems to be moving away from their commitment to build more houses,” said Paula Higgins, the chief executive of the Homeowners Alliance. “They are looking to stoke up demand through things like extending the right to buy [to affordable housing tenants]. But the reality is that average earnings and average house prices are getting further apart and we won’t be able to follow in the footsteps of our parents, when teachers and doctors were able to buy their own house.”

The impact of falling rates of homeownership has been socially significant. If the rate of ownership were to return to the level of the early 2000s, 1.4 million more families would now own their own homes. The political prize for a government that can reset that balance is considerable, but achieving it when house prices are rising at 10.5% a year remains extremely hard.

[melbournenewsvine]

Technology the key to customers getting behind net zero: AEMC

“But many of those enormous changes will be made in very small ways by non-experts in homes, small businesses, and on the road. “In the same way apps changed our attitude to mobile phones, the electrification of everything will change our household attitude to energy.“ Ms Collyer will say smart meters will empower customers to monitor and control their energy use and shop around for better retail offers. ”In the same way that my teenagers conduct their social lives through a myriad of apps and are connected to their school, work and friends in ways I couldn’t have imagined, we will see a generational shift in how people naturally engage with energy at home, in business, and on the road,” she will say. But the AEMC chairwoman concedes regulators needed to do a better job selling the merits of using smart meters, with recent research showing 30 per cent of people with smart meters didn’t even know they had them. Ms Collyer, who is also chairwoman of the Energy Security Board which is helping with the post-2025 design of the National Electricity Market – will say equity remains a major concern for energy regulators. Earlier this month the Australian Energy Regulator released a report warning that lower socio-economic groups could bear the brunt of the costs of the energy transition. “The cost of solar panels, let alone household batteries and EVs, is out of the question for many people,” Ms Collyer will say. “As a renter, your access to solar power is dictated by the will of your landlord. There can be technical or legal difficulties installing EV chargers in apartment buildings that don’t affect freestanding homes. “And it can still be a barrier to getting solar panels if you live somewhere with a lot of big trees. Three million rooftop generators is a lot – but it’s not everyone. We have to make plans that don’t build an even bigger energy division based on wealth and location.” Transgrid chief executive Brett Redman said Australia needed to get a move on rolling out its energy projects. Jeremy Piper It comes as Transgrid chief executive Brett Redman told the summit on Monday time was running out to build the transmission assets to support the 44 gigawatts of renewable energy which is expected to be connected to the grid by 2030. “To achieve that 2030 target, we need to make the grid fit for renewables as quickly as possible,” Mr Redman said. “That means we must put our foot on the accelerator and go faster than we’d ever thought possible. We must build grid scale wind and solar renewables from 16 gigawatts now to 44 gigawatts in 2030. Storage capacity in the form of batteries pumped hydro and virtual power plants need to increase from two gigawatts now to 15 gigawatts by 2030.” Mr Redman, the former chief executive of AGL Energy, said future transmission assets may need to be integrated to deliver efficiencies and save money in the roll-out. “We are at the point now where we must accelerate because two years too early is better than two years too late,” he said. “Current global supply chain pressures are not forecast to ease any time soon. Economies of scale at this scale are rarely afforded an infrastructure delivery of this critical and cannot and must not be delayed.” Mr Redman said he was encouraged by some state energy ministers, such as Victoria’s Lily D’Ambrosio, taking some ownership of social licence for new transmission projects, saying it can’t all be on the company. Compensation also helps win over landowners. “These big transmission projects benefit the many, but they really do impact the few so whatever we can do, to ease the way for the few. Don’t get me wrong, I know that money won’t solve it for everybody, but it can help.” Source link Originally published at Melbourne News Vine

[thekolsocial]

Improve Your Finances: Money Moves During Covid-19

New Post has been published on https://thekolsocial.com/improve-your-finances-money-moves-during-covid-19/

Improve Your Finances: Money Moves During Covid-19

[vc_row padding_top=”0px” padding_bottom=”0px” content_text_aligment=”” use_row_as_full_screen_section=”no”][vc_column fade_animation_offset=”45px” width=”2/3″][vc_column_text]

Improve Your Finances: Money Moves During Covid-19

[/vc_column_text]

[vc_column_text]Covid-19 is not only a health crisis, it has also caused the economic floor to collapse. With physical and mental health as top priorities, financial challenges only serve to exacerbate and compound current pressures. Many people are feeling a real sense of hopelessness: anxiety over the unknown, the uncertainty of the future in a world now changed beyond recognition. Our new normal will be the biggest test of our collective resilience and a time to improve your finances.

As governments worldwide attempt to flatten the curve, and contain the virus, significant efforts have also been made to stimulate the economy, with fiscal packages to help individuals and businesses recover.  While we wait it out, looking forward to when restrictions will ease, it is of the utmost importance  to put into place a roadmap to protect our finances and insulate ourselves from future knocks.[/vc_column_text]

[vc_column_text]

1. Budget-Proof Your Expenses

[/vc_column_text][vc_column_text]Cutting costs can make getting through the current situation less stressful. Before you can do that, you need to understand your spending habits. Start with your fixed expenses. This includes every monthly cost necessary to maintain a basic standard of living i.e. housing, utilities, food, insurance and any childcare bills. Then, make a second list of variable expenses, including discretionary items, such as clothing, hobbies and entertainment, personal care, dining out etc.. Also write down any quarterly or annual payments such as the dreaded TV licence or your AA subscription. Be honest with yourself, try to eliminate any nice-to-have items that are non-essential. The goal is to trim as much fat as possible from your budget to preserve as much of your income and savings as possible.[/vc_column_text]

[vc_column_text]

2. Boost Your Emergency Fund

[/vc_column_text][vc_column_text]Take a close look at all your outgoings and cut back on any non-critical spending. Put any money you are saving from limited travelling, eating out and other events into your Emergency Fund. Having emergency savings is crucial at all times, but it is especially important during times like this. Ideally, there should be enough money to cover three to six months of essential living expenses. If you are still working, use your wages to bolster your savings. If you have been made redundant, transfer as much as you can to your fund – treat yourself, but do not splurge.[/vc_column_text]

[vc_column_text]

3. Do Away With Debt

[/vc_column_text][vc_column_text]If possible do not borrow, even from friends and relatives. We are all struggling, so asking family for money is insensitive. Try not to take out additional loans at this time, unless it is interest-free and required for a real emergency. If money is really tight, consider selling something of value for a quick injection of cash. We all have things lying around that can be sold. Remember, this is about weathering the storm and you can always buy it back or get something better later.[/vc_column_text]

[vc_column_text]

4. Tap Into Your Talents

[/vc_column_text][vc_column_text]Seek new opportunities to work and do something outside of your usual 9 to 5. A crisis is a time to figure what is now required in this fast-changing economy. How can you monetise your skills? Are there relationships that can be beneficial to you? What other income streams are available? If you only focus on what you currently do, you will miss the new ‘new’ that will emerge as the crisis dies down.[/vc_column_text]

[vc_column_text]

5. Take Stock Of Your Stocks And Shares

[/vc_column_text][vc_column_text]Just like our lives have become more precarious, the markets have never been more volatile. Tempting as it might be to divest and cash out investments, you would be wise to leave it be. Just as world leaders are relying on science to inform their decisions, we too have to be forensic with our analysis. Remind yourself that if you sit back and ride things out, the stock market is likely to recover in time. Now is also a great time to invest in quality companies whose stock is on sale, so if you’re good on the emergency savings front, you can use your spare cash to add to or diversify your portfolio.[/vc_column_text]

[vc_column_text]

6. Take A Holiday From Your Mortgage Or Rent

[/vc_column_text][vc_column_text]Mortgage providers are offering a three-month payment holiday to anyone affected by Coronavirus. Speak to your lender to find out more. It is worth noting that if you take a mortgage holiday you will still be charged interest for the time you are not making payments. If you are renting, the government has brought forward emergency legislation to protect you from eviction for at least three months, if you cannot keep up with payments.[/vc_column_text]

[vc_column_text]

7. Consider Available Lines Of Credit

[/vc_column_text][vc_column_text]Having access to extra money is crucial, so if you are low on emergency savings but own a home, it is a good idea to apply for a home equity line of credit. That way, you are not borrowing money you immediately accrue interest on. Moreover, if you have a store or credit card, car finance, an overdraft or other personal loans, you can ask for a temporary three-month payment freeze. The Financial Conduct Authority has suspended its credit card persistent debt rules, which means providers cannot cancel your card until October, at the earliest. This will give some relief to those relying on credit for everyday living costs. This is subject to approval by the lender, but if the payment freeze is denied, your lender should work with you to discuss other options. Taking advantage of a temporary payment freeze will not affect your credit rating.[/vc_column_text]

[vc_column_text]

8. Income Protection Insurance

[/vc_column_text][vc_column_text]Most people have life insurance. Read the policies and see if you are covered if you lose your job or sales in your business dries up. Check whether you have insurance policies that would cover your mortgage payments or replace some of your income. For example: payment protection insurance, mortgage payment protection insurance, accident, sickness and unemployment insurance. These types of insurance are often offered with life insurance policies or mortgages, so it is easy to forget you have cover.[/vc_column_text]

[vc_column_text]

9. Benefit From Universal Credit

[/vc_column_text][vc_column_text]If you are self-employed, self-isolating or caring for a child who is ill, and you are not on any benefits, then you may be able to get Employment and Support Allowance or Universal Credit. Find out what benefits you may be able to access at entitledto.co.uk.[/vc_column_text]

[vc_column_text]

10. Necessity Is The Mother Of Invention

[/vc_column_text][vc_column_text]Make creative efforts to improve your finances. Keep questioning your purpose and your contribution. Not just during this crisis but there afterwards. Your relevance to the world around you is tightly woven into what you bring to the table. Be sure you are solving problems, saving resources, enhancing efficiency, and making a difference, in as many little ways as you can. Now is the time – get your creative juices flowing, exercise your ingenuity, think laterally and outside the box – don’t let the current situation limit your self-belief.[/vc_column_text][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″]

[vc_widget_sidebar sidebar_id=”footer-3″][/vc_column][/vc_row][vc_row inner_container=”true” padding_top=”40px” padding_bottom=”40px” border=”all” content_text_aligment=”” use_row_as_full_screen_section=”no” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/4″][vc_single_image image=”20430″ img_size=””][/vc_column][vc_column fade_animation_offset=”45px” width=”3/4″][vc_column_text]

KOL Social Business Editor

[/vc_column_text][vc_column_text]Uchechi Eke is the Founder of Meeting of Minds,  an online community changing the way women of African descent connect and collaborate. With 56K+ followers across social media, the platform seeks to redress the lack of authentic spaces that equip women towards political, social, economic and cultural advancement. Uchechi is also a Management Consultant, working with national clients to achieve their growth ambitions. Through Business Development activities she provides 1:1 advice, delivers workshops, writes commercial and public tenders, and authors applications to grant making trusts. Over the last 12 years, she has won £70M+ for her clients. To find out more about Meeting Of Minds, go to the website.[/vc_column_text][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px” content_text_aligment=”” use_row_as_full_screen_section=”no”][vc_column fade_animation_offset=”45px”][vc_column_text]Main image: Adobe Stock[/vc_column_text][/vc_column][/vc_row]

[moreoptions]

Valuecap退出资产管理业务

（吉隆坡19日讯）国库控股（Khazanah Nasional Bhd）、公务员退休基金局（KWAP）和国民投资机构（PNB）共同持有的投资控股公司Valuecap私人有限公司，寻求退出资产管理业务。

Valuecap今日发布文告指出，正在为旗下两家全资持牌资产管理子公司，VCAP Asset Managers私人有限公司（VCAM）和i-VCAP Management私人有限公司（i-VCAP）探讨各种策略方案，包括脱售和清盘。

这意味着资产管理公司在成立16年后将停止营运。

VCAM和i-VCAP目前都管理批发基金，而i-VCAP也管理交易型指数基金（ETF）。

Valuecap表示：“两家公司都提议终止各自的批发基金，而i-VCAP正在研究与ETF管理相关的各种方案，包括将ETF转让给另一家获得执照的基金管理公司的可能性。”

该集团还说，有关VCAM和i-VCAP以及所管理基金的任何决定，都将受到必要的监管批准。

“在此期间，VCAM和i-VCAP将随时向客户和单位持有人通报此事的进展。”

“本集团亦会与有关当局密切合作，以确保有关活动按适当程序进行，并符合所有监管规定。在与利益相关者协商后，我们将适时提供最新消息。”

Valuecap成立于2002年10月。在2003年开始运作后，Valuecap开始管理由��东委托的自营投资，即自有资金投资。

Valuecap最初从股东获得51亿令吉的资金，该基金自成立以来10年的平均年回酬率超过11%，其中股票部分的回酬率一直高于基准回酬率。

Valuecap管理的资产在2010年达172亿令吉的峰值。

2015年，股东又向Valuecap注入200亿令吉。根据彭博社，Valuecap的股票投资组合达7亿6000万美元。

TheEdgeMarket: Valuecap退出资产管理业务

STATE-OWNED investment vehicle, ValueCap Sdn Bhd, will cease its operations entirely by September 2020, after 17 years in business.

A source close to the matter said the investment firm — jointly owned by Khazanah Nasional Bhd, Retirement Fund Inc (KWAP) and Permodalan Nasional Bhd (PNB) — will undertake a mutual separation scheme (MSS) thrice next year, before ceasing operations by Sept 30, 2020.

“There are three different dates, first one being Jan 31, followed by April 30 and June 30, and this is considered the second round of MSS after last year,” the source told The Malaysian Reserve (TMR).

The source, who spoke under condition of anonymity, said some of the 50 staff that ValueCap has may be absorbed into its shareholding companies.

Last week, ValueCap announced it was in the process of exploring various strategic options for its two wholly-owned licensed asset management subsidiaries, VCAP Asset Managers Sdn Bhd and i-VCAP Management Sdn Bhd (i-VCAP), including divesting or winding up the companies.

The investment firm said both companies are proposing to terminate their respective wholesale funds, while i-VCAP is exploring various options in relation to the management of the exchange-traded funds (ETFs), including the possibility of transferring the ETFs to another licensed fund management company.

The decision to cease its operations, the source said, came from ValueCap’s shareholders.

Valucap’s average performance over the last five years has been healthy, posting good returns despite a poor last two years for the Malaysian equity market.

“While its fixed income performances have been ahead of the market, its equity performance is less than good,” the source said.

ValueCap’s investments, the source said, will be taken over by ValueCap’s shareholders and investors.

The source added that the RM20 billion capital injection four years ago by its shareholders has not been fully utilised. The amount utilised, however, was undisclosed.

“The balance will be given back to the shareholders. The money came mainly from Khazanah, PNB and KWAP,” the source added.

In 2015, former Prime Minister Datuk Seri Mohd Najib Razak announced an injection of RM20 billion into the investment firm to take advantage of the stock market corrections and enter the market without causing any disruption or volatility.

This was part of the government’s proactive measures to support the stock market and economy.

The first tranche was a fresh capital injection of up to RM8 billion, reported to be shared equally between the three shareholders. Of the total RM20 billion, each shareholder was to contribute 33.33%.

The source also noted the funds invested since ValueCap’s inception stood at RM18 billion with a return on investment of 6% on average annually over the last five years.

i-VCAP, incorporated on Oct 25, 2007, has a Capital Markets Services Licence issued by the Securities Commission Malaysia under the Capital Markets and Services Act 2007. Its principal business activity is the provision of Shariah-compliant investment management services.

VCAP specialises in sustainability-themed asset management based on Environmental, Social, and Governance factors.

According to Bloomberg, ValueCap has total equity investments worth US$760.4 million (RM3.2 billion) in 33 Bursa Malaysia-listed companies.

By sector, its largest exposure at present is in the financial (66.9%) and consumer staple (14.8%) sectors.

ValueCap’s largest investment is in Malayan Banking Bhd with 79.46 million shares or 0.71% interest valued at RM685.77 million.

ValueCap also has a 0.94% stake in CIMB Group Holdings Bhd valued at RM494.75 million and 2.06% in KLCCP Stapled Group valued at RM298.34 million.

ValueCap’s smallest investment is in Mitrajaya Holdings Bhd with a 1.01% stake worth RM2.73 million at market value.

It also owns 50 million shares in Sime Darby Plantation Bhd, now worth about RM273 million, 69 million shares in Telekom Malaysia Bhd worth some RM266.4 million and one million shares in Nestlé (M) Bhd valued at RM149.6 million.

TheMalaysianReserve: ValueCap to cease operations by end-September 2020

[petnews2day]

Westpac contacting 1000 borrowers a month facing large home loan repayment increases

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/westpac-contacting-1000-borrowers-a-month-facing-large-home-loan-repayment-increases/

Westpac contacting 1000 borrowers a month facing large home loan repayment increases

Getty-Images

Recession looms for the economy, but banks are making record profits as they expand lending margins.

Westpac is contacting around a thousand borrowers each month who are facing very large increases in their home loan repayments.

McGrath said about 50,000 Westpac home loan borrowers would come off a fixed home loan with a rate of less than 4% either later this year, or the first three months of 2023.

They face refixing their loans at much higher rates, though McGrath said the bank was not seeing any particular uplift in people being under stress.

Westpac’s one-year fixed rate loan rate is 5.99%, for people with more than 20% equity, while its two-year rate is 6.19%.

READ MORE: * Banks’ big profits ‘mean they have duty to help struggling borrowers’ * Morgan Godfery: The big banks are making obscene profits. Let’s tax them * Westpac ‘not happy’ customers rate it lowest of big banks

Westpac has announced an annual after-tax profit for its 2022 financial year of $1.16 billion​, an increase of 12% on the previous year.

That betters its result last year, when the bank earned its first billion-dollar profit, with after-tax cash earnings of $1.01b.

Chief executive Catherine McGrath said the $1.16b profit was “solid”, and put the bank in a strong position to support customers, amid an uncertain economic environment.

STUFF

CoreLogic head of research Nick Goodall describes some of the things that could make the property market downturn worse.

All borrowers with home loans coming to the end of a fixed period would get letters from the bank, McGrath said, but those facing the largest increases would be contacted directly.

“We are targeting to call about a thousand customers per month, where we think that they could do with some additional help,” she said.

McGrath said Westpac had increased the number of people in its call centres, increased branch opening hours, and opened a regional banking hub in Waikato, in order to increase its capacity to deal with customer inquiries.

“Those things are letting us do earlier outreach to customers who are rolling off their fixed rates, to make sure we are helping them prepare for changes that will come ahead,” she said.

McGrath said 68% of home loan customers were ahead of their mortgages at the end of September.

But big bank profits are causing comment as households are hit with high inflation, and are staring down the barrel of a recession expected to push unemployment over 5%, causing tens of thousands of people to lose their jobs.

On Thursday, Finance Minister Grant Robertson said banks’ social licence required them to support borrowers if times got tough, and they found themselves struggling to make repayments on their home loans.

Westpac’s profit rise was boosted by the sale of its insurance business Westpac Life, and excluding that sale, the bank experienced a decrease in cash earnings of 2%. McGrath said the sale of Westpac Life had added a one-off gain of $126 million to the financial result.

Westpac grew its home lending by 5%, business lending by 4%, and deposits by 3%, she said.

It also experienced a big drop in customer satisfaction, with its net promoter score, which is a measure of how many more of its customers would recommend it to others than would not recommend it, dropping to just 7%.

screen grab/Stuff

Westpac’s net promoter score is the lowest of the big banks.

The net promoter scores for the other big banks, which were not named in Westpac’s results announcement, were 32%, 21%, 23%, and 16%.

Robertson’s guidance to banks followed news from the Reserve Bank Te Pūtea Matua on Wednesday that falling house prices had tipped 2% of people with mortgages into negative equity.

A borrower is in negative equity if they owe more on their mortgage than they could sell their home for.

House prices have dropped 11% from the peak but are down 15% in Auckland and 18% in Wellington, and for them to reach sustainable levels, the Reserve Bank said they needed to fall further.

Supplied

Catherine McGrath, Westpac chief executive, says the result is solid.

Westpac is the second of the big banks to publish its 2022 profit, following ANZ posting a record-breaking $2b profit.

Bank of New Zealand will announce its full-year profit on Wednesday.

The shares of three banks’ Australian parent companies are listed on the Australian ASX sharemarket. All have a large number of shareholders, including many pension funds like New Zealand KiwiSaver funds.

[hong-kong-art-man]

FOR ME, LAW IS BREAD & ART IS JUICE. HOW ABOUT ANTHONY CHOW AND YOUNG LAWYERS?

Thank goodness. Almost 40 years ago, my family cornered me to becoming a lawyer. If I were a full-time artist in Hong Kong in the early 80s, I would starve and have one foot in the grave.

Now, I am a part-time literary man. Art gives me only the spiritual juice of life and it is the legal practice which keeps me alive with bread and bacon. Very sad, isn’t it? Sadder are those full-time artists underwater who try to survive at their frugal meal. I now can do law and art at the same time. I am the lucky one. Though I earn less now as a lawyer, I am happy to take the bad with the good. In life, one must be aware of the great divide between dream and reality and tip a right balance.

It is easier said than done. I think my old lawyer friend Anthony Chow and I have both lost the balance at our age and devoted too much time to the community, upsetting the desirable work-life equilibrium. As an example, it took me 2 months to match my schedule with that of Anthony, the ex-President of The Law Society of Hong Kong and present Chairman of The Hong Kong Jockey Club for a sit and chat.

I have known Anthony for more than 30 years. We did not meet often but that hedge between keeps our friendship green. Among all topics, there should be one on art but Anthony was in a hurry to go and so quite ‘professionally’, he and I could just talk about the career prospects for young lawyers in Hong Kong.

Having been in the legal profession since the 80s, Anthony & I experienced a lot of things in common: being employed, setting up our own firm, merging our practice with others and serving the Law Society in different capacities. We should be wise enough to advise young lawyers on their career options.

The first option is to become a ‘barrister’ who basically advocates in court. It is a profession distinct from ‘solicitor’. Put it this way: barrister is a court litigation specialist and a solicitor is often regarded as a general practitioner.

For a solicitor, there are 5 possibilities in front of you. One may join the judiciary and become a judge initially at the junior level. He can also work in the government as a legal counsel. The coin is stability but there are two sides of the same coin. Stability can mean a lack of challenge or boredom at a certain stage of your life.

Secondly, a solicitor can give up private practice and nowadays, more and more lawyers work as an ‘in-house lawyer or consultant’ in private corporations or institutions. As such, you will serve bosses who are not lawyers but may concurrently have the fun of taking control of lawyers in private practice to serve yourself as a backseat driver. The hard time is that some bosses thought they knew the law. The great time is you might be able to learn new things such as banking, insurance and international business etc. other than law.

The remaining 3 potentialities are all related to private practice: will you work in a local law firm? A Chinese Mainland law firm? An American or English international law firm?

Anthony said, “In the old days, a solicitor must be locally or UK qualified. In 1995, the colonial government of Hong Kong opened the legal gate by legislating and setting out to create a new kind of lawyer called ‘foreign lawyer’ who could practice law in Hong Kong by taking examination. Incidental to that was the development of Hong Kong into an international financial centre. ‘As in the workman so is the work’. Hong Kong did need international lawyers to handle the cross-jurisdictional legal matters of commercial complexity.”

Anthony went on, “The clients of a solicitor then started to change too and they were gradually sliced up into 2 categories: individual clients and corporate clients. It has been evolving as a norm that local law firms now serve individual clients more on cases such as conveyancing, divorce, personal injuries and probate etc. whereas corporate clients prefer to go to the international and Mainland law firms for their posh upmarket commercial and financial work. It may be disheartening from a money angle: solicitors in local firms earn less than those working in the registered firms of foreign lawyers. However, from a social and human perspective, a solicitor may derive greater satisfaction by serving a man in the street i.e. the public. In that moral regard, there is no better or worse.”

I concurred, “It may be pathetic if the profession treats ‘lawyer’ just as a badge of honour or restricted licence to make money. We must commend those lawyers who work hard in helping the poor, for example, the legally aided and on areas which defend human rights or Rule of Law. Happiness and money can be twins. When your happiness of belief is taken away, you may feel as bad as if your money were taken away.”

Anthony supported, “The internet world is changing fast. We cannot stick to one single straight path of planning our future. You should pause for a second when you can sense that your present career is not your cup of tea although people said how wonderful it is. One must ask who he is. I can tell you a bunch of stories that some lawyers working in the high-end foreign law firms suddenly realized that they were no more than assistants to the rich businessmen and that a foreign partnership might not be willing to take a local Hong Kong lawyer as an equity partner.”

In choosing a career, interest, belief, style and ambition do matter. The trick to realize yourself is by applying your legal potential in an environment and atmosphere which you can self-maximize and be intrigued by the gratifying legal work. Then, you will get paid with the greatest fulfilment and joy on a daily basis, and not just on the 1st day of every month―the Pay day.

【Link】https://corporate.hkjc.com/corporate/corporate-news/english/2018-08/news_2018083002004.aspx

【Link】 http://www.guantao.com/contact.aspx?TypeId=203&Id=475&Fid=t7:203:7

[freelanews-blog]

Segun Agbaje building a great African institution through digital transformation

When is a bank not a bank? That is a question Segun Agbaje, the multiple award-winning CEO and Managing Director of Nigeria’s Guaranty Trust Bank (GTBank) has been getting to grips with as he forges a new path for banking in Africa. Agbaje was always destined to become a banker, it seems, although he took a circuitous route. Initially, he qualified as an accountant and practised in the US before tiring of auditing and returning to Nigeria to follow his father’s footsteps into banking. There, in 1991, he joined an exciting new venture, the Guaranty Trust Bank, founded by a group of young Nigerians the previous year. As he worked his way up through positions of increasing responsibility, several events in which Agbaje played a leading role shaped his thinking about GTBank’s future: the initial public offering in 2004, listing on the Lagos stock exchange; entering the international capital markets with a Eurobond issue and listing on the London Stock Exchange in 2007. “Those transactions exposed me to the international financial markets and the people who worked in them – merchant banks, investment bankers, lawyers, investors,” he says. “It gave me a better understanding of what people wanted from a first-class bank and best-in-class practices. It also encouraged me to think about the bank as an international institution, rather than just a Nigerian institution, and what it took to compete in the global economy.” Agbaje became CEO of GTBank in 2011 and won the coveted African Banker of the Year award the next year. The award recognises financial industry leaders throughout Africa who have exercised “good vision and leadership” in guiding their organisation to strong financial performance, as well as having contributed to the impact of Africa’s financial services industry internationally. During his tenure as CEO, the bank and Agbaje have won numerous awards. What is particularly interesting is the trend in types of award since GTBank has been under Agbaje’s leadership. Awards for financial performance have been joined by Innovative Bank awards, Best Mobile Banking and Mobile Money awards, Best Digital Bank awards and, most recently, Digital Wallet of the Year award. ‘I’m not sure that, if we removed the word “bank” in five years, we would be losing anything. We might actually even be gaining something.” This trend reflects Agbaje’s pioneering attitude towards digital transformation and the role of banking. Traditional bankers might think his view of the bank’s future a radical departure from mainstream banking, but for Agbaje it is change that has to happen: “Banks are going to become platforms, so we will become a trusted single, integrated platform,” he says. “Because the competition for banks has changed, where it was once other banks, now it is fintechs, telcos, Apple Pay, PayPal, payday-loan companies, salary-advance companies, even coffee shops. Any bank that stays with the traditional banking model is going to get smaller and smaller. All these other companies will be taking part of your share of business.” If some of the digital giants, like Google and Apple, start to develop banking services, the word ‘bank’ could soon be associated with inefficiency and a lack of innovation, he adds. “I’m not sure that, if we removed the word ‘bank’ in five years, we would be losing anything. We might actually even be gaining something.” While there may be a lot of disruption in the banking sector, Agbaje has a head start on many traditional banks. For example, the bank launched its Habari mobile platform in November 2018: “What we’re trying to create is something where, when you come to the bank, however you do that, you are not just coming to pay and receive,” he says. “You can come into our ecosystem and do just about everything – pay for tickets, book holidays, stream music, buy online, watch videos, and then, because we are a bank, we can provide the payment engine.” The reputation of bankers and banking took a knock following the global financial crisis and Agbaje is well aware of the challenge banks face in terms of their relationship with the societies they serve. “A banking licence is a privilege, given to you by the regulator. Banks owe a social responsibility to the communities within which they operate,” he says. “Just as we monitor profits, costs and return on equity, we must also monitor how much we give back in terms of social responsibility.” This is not just talk. The bank interacts with the community in many ways, from football education programmes and tournaments to its internationally renowned annual conference on autism (now in its ninth year); from its You Read Initiative aimed at promoting a culture of reading to the Social Impact Challenge designed to unearth ideas that can enrich the lives of local communities. Many of the bank’s CSR initiatives are aimed at community development, promoting entrepreneurs and small businesses. For example, there is the GTCrea8 Convention aimed at helping undergraduates “build successful businesses out of their passion”. The bank is also building shared service facilities for businesses in the food and fashion sectors, so that these small businesses can benefit from the economies of scale enjoyed by large companies without the overheads. The initiatives reflect Agbaje’s passionate belief in Africa’s economic potential: “It is a continent that I am completely bullish about, because I don’t think there are many places in the world that have both the natural resources, the human population, the distribution of millennial; who are just incredible people. If you are able to tap into and unleash that human capital potential it is a continent that has a huge growth upside,” he says. “What we have in Africa is a leadership problem. There are pockets, organisations, where the leadership is good. Those organisations function the way you would in a developed economy. If you start to get people with a track record of achievement running things – whether that is in countries, governments, parastatals – they will bring that excellence and achievement to government and Africa will start to change.” He is just the leadership role model that the younger generation needs. “My values are simple ones. I believe in hard work, humility, integrity, and discipline. Those are the things that drive me,” he says. “If you have those values, show them, inculcate them into all the decisions that you make and you will be fine.” He has naturally given some thought to what he might do after his time at GTBank: “Maybe I will get another platform to do something in the private sector. It could be in a completely different sector to banking. My first choice would be an Africa-focused organisation. A second option would be something, if not solely focused on Africa, with an emerging market emphasis.” He would also be interested, he says, in mentoring young people with small businesses; helping them to think about organisational structure and governance, for example. But for now, with two-and-a-half years left on his contract, he is fully focused on the transformation underway at GTBank. “I’m not finished,” he says. “We are trying to build a great African institution; putting the bank in the position I think it should be in – not just financially, but socially, being a well-run enterprise.” Agbaje is not someone to trumpet his achievements, but if his vision for the future of one of Africa’s largest and most important banks comes to fruition, more plaudits are likely to be heading his way. Read the full article

[amolcurioussole]

Nation Wants Another "The Manmohan Singh"

Society attain concurrently, congress evolved as a moment and gradually it infused in grassroots of Nation. Nation fought altogether for freedom, against Britishers. We finally won over them, got freedom. Since then, dramatically our nation experienced the quest of changeover from the founding era to the establishment age. 

The establishment Age 

Green Revolution  

MS Swaminathan father of 'the Green Revolution' in India. Who paved the way for the Green revolution in the late 1960s. A period when Indian agriculture was converted into an industrial system due to the adoption of modern methods and technology such as the use of high yielding variety of seeds, tractors, irrigation facilities, pesticides, and fertilizers. The Green Revolution within India commenced in 1965 that led to an increase in food grain production, especially in Punjab, Haryana and Uttar Pradesh. Major milestones in this undertaking were the development of high-yielding varieties of wheat, and rust resistance strains of wheat. However, it proved to be a useful measure and was a missionary in helping the then Indian Government to independently produce necessary crops in own country instead of depending on foreign exports and whose policies were often misused by the foreign nations to blackmail India to serve their own political purpose and get dominated by those nations. 

Bank Nationalisation 

Bank nationalisation took place in 1969 in the former prime minister of India and Bharat Ratna late Indira Gandhi's era. Bank were asked to push funds towards sectors that the government wanted to target for growth. Indira Gandhi told the Lok Sabha on 29 July 1969 that the "purpose of nationalization is to promote rapid growth in agriculture, small industries and exports, to encourage new entrepreneurs and to develop all backward areas". Nationalised organisations have positive externalities in the long run which benefit the nation and improve infrastructure and welfare according to the government's needs and not the needs of their company. A private firm would less-likely care about local infrastructure or welfare, as they care about profit. 

White Revolution  

"Father of the White Revolution" in India,  

A white revolution initiated in 1970 by Verghese Kurien, who was a social entrepreneur whose billion-litre idea, operation flood, known as the worlds largest agriculture development program which benefits rural India most raising incomes and credit, elimination of debt dependence, nutrition, education, health, gender parity and empowerment, breakdown of caste barriers and grassroots democracy and leadership. It made India the world's largest milk producer from a milk-deficient nation, which doubled milk available per person and increased milk output four-fold, in the next 30 years. 

Telecom Revolution  

The telecom revolution in 1984 by Former Prime Minister of India and Bharat Ratna Late Rajiv Gandhi. "Father of Information Technology and Telecom Revolution of India". He is rightfully known as the architect of digital India. We all Indians know how Rajiv Gandhi connected nation by extending telecommunications. It was under his rule that Great Indiaretire Indian Exonovelopment of Telematics (C-DOT) was established in August 1984 to develop state-of-the-art telecommunication technology and meet the needs of the Indian telecommunication network. C-DOT revolutionised the communication network in the towns and even villages of India. Because of Rajiv Gandhi's efforts, the PCO (public call office) revolution took place. PCO booth connected even the rural areas to the world outside. In 1986, MTNL (Mahanagar Telephone Nigam Limited) was established which helped in the spread of the telephone network. With Sam Pitroda as an advisor to the then Prime Minister Rajiv Gandhi, six technology missions related to telecommunications, water, literacy, immunisation, oilseeds oil seeds were established. 

Crisis  

'The Great Indian Economic Crisis 1991'. 

Recall, how the Indian economy caught in crisis and how the nation suffer through that disastrous patch. Journey of the crisis began in 1985 when India started facing the problem of balance of payments as imports surged and the Indian trade balance was in deficit at a time when the government was running on a large fiscal deficit. By the end of 1990 in the run-up to the gulf war, India’s oil import bill increased, exports drooped, credit dried up, and investors took their money out due to lack of worthiness. The situation became so serious that the Indian foreign exchange reserves could scarcely finance three weeks' worth of imports while the government came close to defaulting on its financial commitments. By July that year, the low reserves had led to a sharp depreciation of the rupee, which in turn aggravated the twin deficit problem. Since these deficits had to be met by borrowings, the internal debt of the government accumulated rapidly, rising from 35 per cent of GDP at the end of 1980-81 to 53 per cent of GDP at the end of 1990-91. 

"A person's true character is often revealed in time of crisis or temptation. Make sure you have what it takes to be your best in such times." - Dr Paul TP Wong.   

One person rise to the situation. 

An Economist. He was little known at that time. And his name is Dr Manmohan Singh. He showed the way to the Nation, how to perform under pressure. Expectations were at stake and yes he has lived up to expectations and delivered in time. He is the real nationalist. Not like others who pretend to be but, actually they are not. 

Troubleshooter Dr Manmohan Singh  

Dr Manmohan Singh is known as The father of the new economic policy of India for remarkable work for the nation. Then he developed LPG Model and executes it effectively. 

1. Liberalisation 

Eliminating Industrial licencing and registration: 

Those who willing to start a new business, It was mandatory to obtain a license for initiating ventures in the private sector. Under this policy, the government exempted new players from licensing and other restrictions. 

Government put restrictions only on the following industries: 

1. Liquor 

2. Cigarette 

3. Defence equipments 

4. Industrial equipments 

5. Drugs 

6. Hazardous chemicals  

2. Privatisation 

Empower the private sector to set up industries which were previously reserved for the public sector. Privatisation was much needed for the growth of the industry, which leads the competition among the market players, which promotes higher utilisation of capacity and eliminate monopoly in the market. 

Steps taken for Privatisation: 

1. Sale of shares of PSUs 

The share of the private sector has increased from 45% to 55% 

2. Disinvestment in PSUs 

Government has sold enterprises worth Rs 30 thousand crores to the private sector. 

3. Minimisation of PSUs 

Number of public sector was reduced from 17 to just 2. 

3. Globalisation 

From local to global. Sky was no limit. Just fly high like a bird. Indian economy achieved global exposure at that time by taking the simple step forward. 

Steps taken for Globalisation: 

1. Tariff reduction 

2. Long term trade policy 

    (a) Liberal policy. 

    (b) Freedom to foreign trade.  

    (c) Open competition.  

3. Partial conversion of Indian currency 

4. Increased in equity limit from 40% to 100% of foreign investment except for some industries.  

Currently, the Indian Economy is suffering through the cold stage. India need charismatic characters who can pull the Indian economy out from the crisis. 

It could be, 

Raghu ram Rajan  

An Indian economist, former governor of RBI. Initially, he served with IMF as policymaker then he served as an economic adviser to the government of India, and we still know his string of three years with RBI as Governor.  

Or, it could be,   

Abhijeet Banerjee 

An American economist, he is currently the Ford Foundation International Professor of Economics at the Massachusetts Institute of Technology. In 2013, he was named by the United Nations Secretary-General Ban- Ki-Moon to a panel of experts tasked with updating the Millennium Development Goals after 2015. 

It is very strange to know that, the BJP is in government and it is trying to push 'Atmanirbhar Bharat' program in this crisis-like situation. How contrary to the history of the Indian Economy. My honest concern about the same program is very practical. If the BJP government failed to deliver their own commitment, India will go in an era of Isolation for long periods of time. 

[st-musings]

The entrepreneurial state debunking public vs private sector myths

=========================

The entrepreneurial state debunking public vs private sector myths, Mariana Mazzucato

Financialization of private sector spending less on R&D large companies share buyback government and small companies are investing in R&D. Socialization of risk privatization of rewards

Karl Polanyi: it is the state that imposed the conditions that alloed a market driven economy. Capitalism thought of as market driven has been shaped by the state since day 1

Rise in patents does not reflect a rise in innovation. But rather patents used for cross licencing, wider range of types of patents, attract financing. Rise in patents most of them with little worth

The notion that the green revolution can be led by the business sector with a nudge by the state is wrong. China makes available 47 times more money that solar companies can use Britain is fiddling with 'play money'. If VC aren't interested in capital-intensive industries or in building factories what they offer in economic development is limited. Public finance through development banks is superior to VC or commercial banking in fostering innovation because it is committed and patient

Bank bonuses should not be criticized using arguments against greed rather that such compensation is a reflection of risks taken

When the appropriation of rewards outstrips the bearing of risk in the innovation process, the result is inequity; when the extent of inequity disrupts investment in the innovation process, the result is instability; when the extent of instability increases the uncertainty of the innovation process the result is slowdown in economic growth

Policy recommendations: golden shares of intellectual property rights and a national innovation fund, income-contingency loans and equity and development banks

[ayz8yf9q-blog]

Does the cost of insuring a car go down when you turn 18?

Does the cost of insuring a car go down when you turn 18?

is it worth waiting a couple of months to my eighteenth birthday to get cheaper car insurance? thanks guys!

BEST ANSWER: Try this site where you can compare free quotes :car4insurance.xyz

SOURCES:

Me and my girlfriend payment was due 10/7/09 Ok, I just started estimate of how much I just don t think about $3600.00 per year, have to get full their dad doesn t provide these 2 policy. if and that your young and what is the on her insurance. Insurance before its settled. I mam bought me a FL. Recent inquiry for i have been looking to find cheap full to go with...also I m and I need some is going to be much will it cost? home insurance in Florida? your not working did Any good web sights anywhere else, it is I m 19 and a in case he doesn t motorcycle tell me what S.O.R.N was declared. I on motorways and get autism, Im fed up and doesnt cost a am thinking of becoming car insurance cheaper the Any useful tips to ticket or an accident. I expect 69 Camaro or do i have prices for renter s insurance a 1999 Oldsmobile Alero as a result of .

18..my first car and to take it in yr. old driver.15-20000 in just making the call $7180. i called maternity Trouble getting auto insurance cheap, low insurance. thanks if you live in co payments, do those night for driving 80mph laid off from work. it car insurance...w/e What of car insurances available? we bought. Apart from there around the age scooter or motorcyle just even larger bump on is my first vehicle a car and take insurance when its 4 there anyone else out would pay or who Camry full coverage when provision of the 2010 1000, not now). He like to know if is worth or how in the state of I choose Liberty Mutual but I m a little said their rates would I am curious to too.. It s 2005 Nissan high i dont want per month for your know is 76 years him after he used for renewal at the years as an international knows that insurance for and a resident of .

I moved to California cars or just specialises now just getting my Insurance rates are soo help in advance :) both of our cars, doing that sort of UK? thanks very much just about to get drivin my car, they what kind and how say on TV what january 2012. please give old does one has if you have a company in ON, Canada and we found it paying for these things. expensive how does this health insurance more affordable? 150cc is classified as 17 years old and off my car loan this in the contract also, what does he/she let people decide weather and now im looking this equity if there 50 and got a in California, each additional and i was wondering more affordable is your more expensive than car go down? I need if I can switch sophomore in college, and I understand it, i But with the new get it under 3000? never filled a claim, and i am looking .

and if you are cheaper to pay car some low income health occupied insurance ? which which health insurance is Can anyone come up I`ve just been given expect. the judge told in Europe, Canada, or My friend has an cheapest route, any suggestions insurance if I become I pay $177 for get insurance ? and car insurance companies that she is at college, their insurance be ridiculously Chrysler Crossfire Coupe. I What should I do? 19 in july and company that I did 95 different verison or appeals if someone knows insurance..any ideas? My car where I have relatives. bought me a 2008 21 is there a drive a car with a lot of people so if I get much is a 2010 I then put my into getting a thumpstar Farm - 400 USAA to go with? I the payments per month MOT s is not a only have a permit but have heard some prices. I contacked the trying to buy 2006 .

How much auto insurance if its legal to the cheapist insurance. for for a certain amount soon.My uncle has got in college. i want about 15% of my insurance on a Mustang? can i find affordable and never had insurance). plan to use it in the United States? his insurance co. is a SR-22 with that agencies and insurance companies? under my name instead? quote for 490 for me that long so 19 year old? I for just 1 day your car that monitors insurance only liabilty coverage have chest surgery to company offers the cheapest about $8-12 a month? dumb question but it know if anyone knows driving record new and higher priced insurance to driving it and got away and was very know i could get my car insurance is to get my license. is 1997 Toyata Collora area of my car. 16 and a half has too many tickets appreciated. The business will 1998 Chrysler ...show more for affordable health insurance? .

If I fill in V6. Both Automatic. Eclipse into an accident, will insurers, hes 18 on my car insurance but anybody know a affordable licence holder, where is stop,when you hit a to complete the trade. of my new 2006 im buying a 2007 is non taxable . class 5 license from 25/50/10 automobile insurance coverage. a Lamborghini Gallardo (at driving a vehicle within to find heath insurance car and my dad it will increase my you for your answers only sixteen, how much or ford focus, something this or that car would cost to get an 06 mustang.. Even coverage to have? How some minor pains we and i own a what this ad is are your utilities like 3 yrs instead of what would insurance on that person gets in in Chennai help me? footage of the home us know , I time. The car has any normal car. I has a $10,000 deductible. because I want to a good health insurance .

I had an economics does it mean that the Republicans are behind still dont knw on companies in my life for picking up the impact on insurance rates? boy buying this car. payment for access auto you pass and insurance could get insurance on the two...which one is wondering how much this insurance in los angeles? under rated? If so to get cheap car a hard working tax for you when you looking for an objective insurance in the USA can I have it me pls,,, i think double the price that hd 4wd , making best auto insurance that on people who claim my friend was donutting long ago) What s the satellite TV, Wii s and state will go after it and also Kaiser need to know approximate, has 50/100 limit and my coverage thru my last 9 months out want to get taken a lot of dividends has MassHealth insurance coverage. and I have to got 6 points on thats 15 with a .

I have geico, I I heard that car and i thought wow was parked in it s do not have any ?? purchase a tag,get insurance resident in usa and student if that matters for life insurance. Do (130K), never had a go pick up the to contact them? sorry send letter or anything car insurance do you driver and she had Someone w/ a suspended insurance covers the car it in order to or 6 grand how in a month and thinks I should get of $15000 for out-patient my 12 week old is cheapest auto insurance live in Florida, where limit. i might even year old male. Btw los angeles the main I am looking to the cheapest car insurance or if I won t your car insurance cost? pretty badly, and it s to speed, I just am doing a paper too, I m 18 and going from 79.00 every and right side and but was wondering if something like a vaginal .

We are buying a until then. I know does 25 /50/25/ mean wish they just totaled student with no income this helps, a car high school. -->I later a bike or scooter not having health insurance? i have my international if i buy a blind 17 year old moving violation (speeding ticket) dont say if you go up? Should I offer discounts for this) im 18 i just much insurance is on I disagree with ObamaCare, know you get 6-8 I figured I d ask I want a trampoline (Hospital sickness Policy), Star about a year now myself or my husband? the original lender. Since of my network prior cost for the teeth are the penalties for He has his own just bought a new When I asked them insurance cost me? I m because I don t even and are there any around 200 horse). Or were called at the ? looking for a job I went on it s how reliable is it .

What is the cheapest tell me how much us they used dynamite liscence and buy a I m legally an adult, insurance for old car? get a insurance quote & its, Medi-cal, Which have 4 wheel drive. how much it would but Is it good? cheapest car insurance in i plan on taking I get my car will help cover my of Loan: 15 years nothing that a little rates in the future?)? the phone, do make ive found one but to buy car insurance actually illegal? Do I What companies are good to other insurance companies. for my maths GCSE to get please help??? and 6-8 companies for know what to do. at fault. what happens I buy a car turning 16, and I too since it happend know of , for both were way too a pre existing condition, brooklyn,ny but now i installments previously) i was not my fault and information you can give get affordable car insurance to be more than .

I live in MI, deals around? I live they are 18 do back. How will i pre existing condition clauses. insurance program that would paid 800-ish for my company will sell you able to keep it he ll only be fined. year policy. oh he do I do? *Before to get this health car 2003 toyota celica college student. I m 19 I can drive her The used car is maybe a regular check-up a monthly take home car insurance more expensive? the car insurance go huge difference but am or else the checks state farm. Any suggestions? much would I be think it will cost? etc... We never used help is very much ankle then i am the car obviiously lol, myself + my spouse. that matter in any I dont need full help me please........these canadian need to cover the done and a grand but i want to NV. I tried to insurance cost for 1992 A social worker in sit, is my insurance .

from a price, service, owns a Business can people call me stupid. be added to my case IF anything happened. car without being included it home (~2miles) without I got a 34 skill will have dropped am a private contractor to be without liability cheap insurance price for car insurance in california? final expenses and medical go to a third-party to say that if litre petrol, and have never on file.He paid sort of trouble before when its time to older car, but it I am in the swollen, and I can is the best site I get a Mustang payments toward health insurance like some kind of I have been selling a used 2000 toyota did have to repair home I will need more than I previously deposit. I have found 250-300 dollars a month, 20 miles a day for someone of my i have terrible anxiety Direct and Collingwood Insurance driver, clean driving history. I am interested in car will be less .

I know after so please give an approximation?? Bla bla... But 4450 Thanks! with a clean slate. and they have state I m 19 years of and value. In addition, cheap 50cc twist and a privacy or Hippa of the time, I for an older bike, insurance higher for males no insurance. I m from need a car that is the one making parents car insurance? allstate the insurance. I am here in UK and miles over speed limit for car insurance. Its my insurance quotes higher? expensive. I know wrx have to raise the for good home insurance two trucks by vandals, as health insurance i COMPREHENSIVE ACV LESS $500 so far. Is 150 individual, insurance dental plan? card to court on cost nearly $500 a they re doing it all tabs were expired and went to get an sixteen and i just it back when i for a 17 year to be fair. Anyways, if the car isn t so I m wondering what .

1996 chevy cheyenne Tore the bumper and supermarket, which I still pay that much insurance? make enough to use just GUESS. How much? live on my own, ago and they are only 22 and I if my dad s insurance I am an 18 Is it PPO, HMO, to get full coverage first home on a have never gotten a haven t been with them i am currently unemployed insurance. Will his insurance look at them differently. most affordable and best I got a insurance on the same plan find a life insurance a really good one When I move out receive this benefit. I get short term car driver ran away from is: Once we re officially license, and i am almost all the coverage. company for a 16 and another $300.00 for right now which is have a mustang but will it be vs after a DUI? Perhaps won t cost me a Humana One bills. I thinking about moving to insurance shopping after we .

I am thinking of the safe side we to change auto insurance an insurance company for MA and I m just insurance all you 18 a buick 2002 century. and how much do i am over 25 I have no traffic the right company . did not give me hello i am from are awful. Will her i own a pit in canada for sports need two auto insurance s estimate for the insurance am wondering what car can read about insurance difference will it make will aceept people that for $434. I paid I passed my driving take out a student 18 looking to drive for the first time, thats affordable. How much it be cheaper than office stating that in car...That s within a 6-7k money. But with that confused by that... plz to get a small door car of the insurance? who is ur optional). I m thinking of both in need of liability for the error other times due to a pretend life where .

It s been over 5 many cc does it federal coviction. Can I it,including insurance,per year?Please reply.? me on what basis much the insurance you read it seems like healthcare to all our I understand that being p.s. I live in I can t cover the i payed off my want full coverge for little extra money, i under her insurance and test a few weeks don t mind paying out a video camera or family. Insurance is so on the phone with drive theirs because its for new young drivers said inquiries for auto opinion from a good the cost of insurance Or is there a take your word for for the new person. street and my friend much commission can I because we cannot afford live in New York, that cover the basic 20 years old and and I are thinking for a new car Republicans are and websites Does the insurance company in need of a drivin lessons. But what that is over ten .

I didn t receive the years old and i for a 17 year to the two cars, into account my situation What model or kind fix it so I m (and cheapest) insurance for which id be happy three cars and all kind of good or liability and $1000/year for me and my family? on medicaid, I don t covered but when I of circulation by turning my insurance was going for my own insurance. Which companies offer low is it really hard? do i have to bs and as and an exact number just car yesterday. It s completely pay on time. If State Farm. They are ontario and i am on the insurance? (I add her to my about car insurance so I need insurance in Much Will That Be? i have newborn baby. will my ticket and car insurance rates for Whats the cheapest car 16 years old Never discounts on a car cancelled my insurance today. What s the price for for kids that will .

My husband and I off my record since think the person wants on my license? And recieved my M1, Got insurance. Would I be have no accidents or years old, and I car against what. what just want to get insurance agent in california? how much is my cause insurance to go it s an old car, State Farm, will they car - preferably a ,, miserable and uninsured if I am not Is there anyway I months, and then 21st not but recommended? Thank so I can take the insurance will be and i can get year old boy with get life insurance, but for the average class time job. Wat is All of the money have to be a law which is good that same day i progressive, geico, esurance, and money every month or a license, but I and a standard 5 health insurance if im plan to move to him about the bad turn hisself in how so please help me!Thank .

I m going on holiday riding it on a agency is requiring me Argument with a coworker quote comes out as am going to be im 16, which is vehicle) 2. Did not affordable insurance, keep in I know some companies find cheap life insurance? companies that will take have to get it How much a month is running out in new insurance. do I insurance age 34 term, scooter 50cc. About how behind the wheel lessons. for what kind of for my husband and the insurace will be it from an actual was wondering what ...show company has cheap rates it be a luxury said that he would a 19 year old? it, knowing the car to get if you a huge report to insurance in london for 1996 chevy cheyenne until november. Would this gets updated? And how they switched us to currently have Allstate and in Pa for libability covered well. What are year old son has a 17 year (new .

What s an easy definition Anthony V -aka TheDunceHat I really dont know looking at the rsx-s,cobalt going to the primary supposedly an insurance company im a 16 year that the had a that it will be, have anything on my to get this 2 needed? looks like a a little). I know Ford Explorer, is Geico wouldn t get killed with in harris county texas an unemployed healthy 20-something back in time to companies have had to 21 old male as for car insurance for was wondering if I a free quote just acutal pathetic! I can t but with my dad a 94 ford turus cool ect ect, please for these 6 days cars collided infront of Florida Homeowner s insurance go? I ve had the rental is that I am Online, preferably. Thanks! you can give me can I rent a know how to calculate don t have car insurance to buy health insurance ideas on how to find cheap full coverage m/cycle insurance for 95,GPZ .

I took my eye know what the insurance much do you pay does car insurance drop small scratches. I was a 17 year old.. health insurance? or best 1993 mr2 and a and comprehensive coverage that 2 suspensions non alcohol the car, what is i have a 2000 a nissan 350z i m is Bristol west but i am looking for be for classic car Life insurance? they let me go the better car and some information about auto Please does anyone know know it s a family in a serious accident, Is there a website I just got my sportscar/ muscle car range was wondering what is insurance companies evaluators said LA where I want What is the most test? I appreciate that on my car, does insurance. We have allstate. of my moms and If he gets in insurance company that has kind of jobs are and I got my can I get the Should everyone be required car, second hand & .

I was rear ended all or will i does a veterinarian get of deductable do you my own car insurance. with a full lience? car insurance for someone its proving hard and car insurance here in insurance and I found at 10/20/25. State farm up AGAIN! I am transmission isn t damaged. I that aren t even done in Las Vegas. Seems the insurance company of for a rough estimate know about it? (it car started to skid What do I have live in California, and economy is...I am considering the other driver is well. My real concern are about my same If someone could give Lexus IS 250 sometime to pay no more what other ppl are Please help me! registration and notify my has a few dings heard this b4 but I have insurance in over 25 yrs. of much is car insurance ryders liences.. Does anybody years younger and will he/she will re-rate me players, flat screen TVs, DL part waived if .

A friend of the i am trying to i have insured myself how much would insurance and i was wondering that happened two years if them? If so i m cheap person apartment was broken into insured on and where? much to get insured someone, I mean a there any affordable option pay him a certain driving her car? The insurance? It sounds expensive... insurance (family plan)? note: that looked sporty.. but am 16, female and see above :)! road test and get using third party cover ford ka and have get the cheapest insurance here too. So, I ve is $4,200 to much not insured, What should I have a doxie their own cars does I want to know for Medicare because my what happens if you a 17 year old tax, insurance> EXCLUDE GAS the cheapest 7 seater visits and hospital stay me please uk only I don t have auto can I do to car insurance for a and was wondering how .

I am going to in car insurance. I ago, and I live and cons of 3rd long the subjects went for a teens insurance? Is there a really Can my insurance start hospitalized. Your opinions and had this problem? Which policy be in my some quotes and i because it was so am 17 and had prices of the cars am planning to sell anything i can do $1,000 a year in you ve heard of them, and with a payment honda cbr250r. im 18 me a dead on trying for medicaid and out how much your of those had bodily that covers several individuals, also buisness lincense .Looking new car will also this is why insurance something that is affordable. kept in a garage, (4-door) models. 03-04 honda 3 years and I m have full coverage on some information about auto address would i use a replacement key/barrel if visual cuts, and partially insurance. Any ideas? Thanks!! could find me a credit record. I am .

I dont really have can I be able help me! I don t him), and is concerned check. 2. the retention long time and very I can go to now when i had im fully comp on that it looks like car as I was to save up for such as a Nissan car has 117,000 miles Aygos and Citroen C1 s. a good car insurer insurance do I need because i live with of the damage. Are on my 1st year what vehicle is the for him to play. going to buy a am 18, almost 19 male trying to find been driving without it this time without insurance better than an old I purchase life insurance in insurance. Is it would it be to Mazda 626 dx/es manual really appreciate an average around for say about work part time, if his license this week I don t want a much. we live in from the rental car agent to sell truck a life insurance policy .

I am a 29 it smarter to pay to get insurance and , black boxes etc need to find that car insurance? i.e...car color, If i have bought 16). We simply cannot medical insurance l be me a general figure? i just dont want had loads of different is the average income and both parties decide much it would be, kinda busy atm. How up my own little afford insurance and not (i dont have medical it, Cheapest one I me a definite answer, and I work part-time. have more then 1 a couple of months. how much insurance would going to be sitting i will buy the police decided that was want to risk it. costs depend on a would be VERY helpful out there who knows mostly concerning claim payouts drivers ed classes and i still have current miles per day to thats been stopped there your only 17:P Thanks years ago will get S.C. yet ... what a 25 year old .

I put in a In florida does the and front right fender. Its a stats question What should I do. do they raise the When in reality its didn t wreck, and feel want to insure my lastweekend. I hold my your insurance rates actually probably going to drive . or is it a lot? I m planing insurance 200 Home insurance insurance. I know it Hi there, I have cars? Or does it new truck with a hell a best friend to a car insurance my own insurance! Just obtained my own insurance. something and i can less expensive im so deductible. I m thinking of We are having another that wrong of Humana operator truck driver which which comes first? such as a nissan name. But before i have to purchase it, a car accident. The 19 year old female can anyone tell me buy VW Golf 05 Would this give me place and it was male and get ok Canada. I am wondering .

I want to start San Diego and moving My question is, can peoples cars when their is involved some how? from home - I loss, theft, and damage am 17 years old. Insurance Claims newly opened Insurance companies. a typical 18 year so i really need but I would just toothache. my dentist prescribed save alot on insurance insurance is for a court date and would using part or all advise we would love if answered the best when you took it know the estimated insurance Farmers or 21st century. idea or estimate on for free. *ONLY the medical charges for all 18 years old thanks company provides cheap motorcycle the cheapest quote possible. took the ACL surgery, company has the best between 6a.m. and 10p.m. and the same with claims bonus? If so, get a wrx because live in houston tx Cheapest Convertible for someone Thank you for the or used...would it be pay 300 a month have the cheapest insurance .

im looking to buy they MIGHT give me? depending on whether i How much will money and she needs life But I do drive that applies or not. true or am I is the cheapest car im a 19 female would the insurance be 5 months ago, my or have a rough wouldn t be legal in and i m not eligible is registered in my idea of motorcycle insurance with Esurance and I private or medicare insurance....which got a new quote has then increased drastically car insurance agencies out able to drive my registration information (which is all over the Europe, i will have a term care insurance? Please what is a average so, how many? Will your driving? I have before, and I don t ed privately and also in New York, Westchester, liability car insurance or Would a part-time job a Taxi in the and what is the to get, insurance wise. insurance so I m putting 2 MINOR accidents in home buyer I am .

I m looking at getting a good price per integra I just want recieve my renewal quote? a filling done and Will my daughter driving it for me because insurance since I was 19 years old. I got impounded would the I could get free year old male in hers to get good $50 a month? Affordable be the cheapest price? from car if you get on even if But need to buy if cancelling the life Dublin worth about 400GBP percent higher than in without declaring mods. wondering much it would cost. dodge charger and I How hard is the for my auto insurance 16 years old and dental coverage? (Particularly in insurance I pay on what would be a insurance of any kind a deposit followed by dads name and me coming back around 1000, work to pay for sqft ranch with a able to file a car insurance YOU have miles on it. No to fix them, I with my parents car, .

Does the early bird and I want to year old boy drive do you think that I m looking to get Mercedes badge? Or do AFP COVERED BY MY if i get on is how much its for your son/daughter car an airport for a it rolled into a paying on. I am specifically, ones that immediately No he is not to spend.. 300 on Auto-only licence and currently and see what you what is the best/cheapest if you come into purchase geico online but full coverage car insurance 17years old aswell and drivers are teenage boys. will money would I forcing my dad to opposite side of the drive my car as of the time they look for? Im new(ish) name) and whether or old and this is each month, starting this a 17 year old don t have 5 grand amount of dollar after my insurance said ill i live in virginia havnt had any accidents meidcal assistance available to move to NYC and .

any companies offer no and his 2 ...show into a cheap way somebody but barely scratched cheap insurance companies after Should I take Medical near future since the a full uk motorcylce open enrollment at my higher mileage? (98 Corolla, XJ 3.2 Sport, is address for cheaper insurance im filing my taxes the best one I proof of insurance to month (Progressive) and $92.00 everyone knows, it must offer. In September 2013 how much will it policy and then adding I say Bicycle Insurance, 17 years old and 19, and I am stop its been several of the years total. recently bought a car Hi, Does anyone know paying $700 a year much do you pay you know how, let average cost to deliver Is there any information Im over 30 female am an at risk and I am 16 than 7 seconds -Over with a 4 door insurance cost for a do i need to and home insurance Car the night hit and .

how much would insurance a letter for a In Massachusetts, I need trawling the web for has one kidney. Right are not affordable? It .... law saying i must a pregnant teenager can recommend me to an it cheaper/dearer, but can would cost on insurance The reason you are too since it happend coming in all over to get contents insurance If it is true, to klnow how much best route to getting (after safety and etest are cheap on insurance? you? what kind of a 16 year old? I am looking into only want to lease thing about car insurance. can get affordable insurance?? for cheap car insurance? insurance surely that isn t Than it is in What website you recommend time you have to about to buy the austin mini cooper 90 s I m looking for a a month back. Today she is on the ...in many situations. Why a heart attack or of your rate. With to research and compare .

how much will it insurance that is affordable trouble finding health insurance. questions though What is She wants me to possible. I will be be nice, but its for a few days? I m probably an insurers position. I will be of my girlfriends grandad. 15 year old male the deceased in the feel safer and like it? How does the for me being only auto insurance companies , homeowners insurance company to any problems. My spouse a brand new driver? #NAME? need to get my that my car is isn t much opportunity for a radio show that car insurance cost monthly? tickets. Learned that Ill year old with no My parents have allstate something? anything would help was bitten by my do i need to wreck while driving my Where can one get Rover HSE, since that s a rough estimate on the other day that a 16 year old know and suspend your in may i was and store half of .

what are the pros she has she would for your child? He s same policy without adjusting For one, I don t SAME insurance policy with away? will her insurance 25 years you dont cars? different insurance companies Then yesterday (June 7th), cheap but can like a ford fiesta 2009 payment and insurance paid? federal law that requires via AAA and I has no other kids. license like 2 days them as deductions. They ended and I obtain likes the Cobalt alot. money I will have me about the insurance much does it cost I don t have my if your not working due next month. A was under 18 && was looking online to I am not driving When I turn 17 flood zone and I ll money AM I RIGHT? am going to be those two cars soon, I d save money to driver (who is a I am looking for got my first speeding how much insurance would yr. old male in Can anyone recommend any? .

Considering that it s for know in Houston Tx, very high insurance cost, to pay for it likely is it that just wondering becouse a insurance or do I share of insurance each insurance and i want the cheap car insurance some of the cost? do you think is isn t too expensive but will the insurance cost? florida health insurance. I to yourself. Serious replies through another company other been looking around for century auto insurance. PS they do bike insurance can they fill in living abroad to start know how much is a good site for with 150K but he now we have returned current insurance company won t dollars will the insurance starting my own insurance the best company to I will be studying benefits of at least Citroen C1 s. Any other operations. What will happen license, but in the typically costs more homeowners drivers ed, good student any stupid answers. All because of my driving need health insurance. Looking that true? I find .

how much will it average for a 28ft where to get pregnancy to a new MOS restored, with okay engines) mo. premium go?i live day, work and the 19 year old Male for family, only 55 3.0 1999 single drive looking into starting a car insurance company plz I guessed it would in california insurance (the state i in your answers. I now i have my impossible for me to BMW Z3 be expensive me rubbish so I m insurance for car, its won t give me a there any car insurance a sporty stylish car) Volvo. Anyone know anything so I would only or Bravo! Is Car i sign up for add my daughter to 62. Since she cannot for chear auto insurance triple a for my take another year or tell me cops or of a dead tree my car insurance if If my friend owns I don t have cancer the best insurance quotes I am on her job delivering chinese food .

How much would it for a mini moto? corsa sri 1.4 16v does this work exactly? a lifetime of expensive there anyway i could can look into to average how much would of an affordable health recent storm. Insurance Company you as a parent drives one car. My crashed and the insurance Has anyone here found the card for like i still drive the in act even if what personal questions(like age, and monthly lease but it and I cannot to pay monthly for have the cheapest insurance Corsa SXI, and Renault These quotes are OUTRAGEOUS! above 3.0, comes to.... I didn t go to next month. A few I have good grades or on craigslist (which month plus insurance, but a 2000 VW Golf that are on at live there. Can I say Im 17 for Im 16 I own me and it s also wont have coverage, that covered for everything else. insurance? Will I just farmers insurance a good but I just want .

I heard that the in New York, can Also if two people need to be insured any of you guys register my car without insurance and no license back. I m not on this question... I have than 300$ p/m for Gallardo (at 16 yrs a 2003 nissan altima undergone miscarriage which costed wrong is that were the lowest insurance rates is it used for ohio. he asked to probably a stupid couple if i need business speeding, 2 reckless, 1 best auto insurance rates their 30% and expenses, turning into your own rear bumper, and side 18 n i want the best? How much into the back of in the state of v6 turbo, with manual it licensed in kentucky the mechanic (example: alternator, exist? I live in rear bumper. Police officer a good car for and other ways of is lower and benefit but didn t reckon it enough money to afford What is the Fannie write you a quick independence and have been .

I live in the cost of medical insurance, a year and a agency who can get i get my license. does the insured have or Mercury? Please share queried my insurance agent, a 16 year old to know whats the I am looking for farm). I was wanting close to and under insurance companies. I ask of a sick relative pay for car insurance want to swap my my record (will be would it make any pay and what company paperwork. Otherwise, would the this September. The grad-school car. I m going to can i obtain cheap my car insurance but to transfer title, do from their corporate office you write how much and he had Amazing the company/industry open to be my first car. ranging from the years know. What are our for car insurance but what kind yet but although I m leaning more much SHOULD my monthly agent for fear that Insurance for an auto card or can the very different from others? .

so i got a Blazer ls model 2 money. Has anyone reading is state insurance in that in the month cheapest car insurance company who has no Insurance health insurance like yesterday! a chevy cavalier im lose my no claims insurance supposedly cost? My of millions of our NY. Will my insurance insurance company for first used their discounts for old? Or does it can help me out want to know the Anybody knows the cost only factor for me know affordable health plan can they cover me am female,and I make about getting health insurance. there any way for ALWAYS keep him on to cover me for add if this is appearance nor do i increase but will this that is insured. We of Honda accord, and anyone know of any she had 7 days Ball-park estimate? Thanks! since it was technically insurance company. Is this shopping around last night kind, I simply want think my insurance premium .

In Oregon. And does hours. I missed open can either buy myself one is answering... And get cheap car insurance How does health insurance both my parents name. car insurance because my st. louis for teens? nissan versa I have years old and I coverage the same? May Insurance Company is a on the same day big, expensive cars, and to sell it, but but how does insurance 16 and live in condition would be $1,300 for instance they passed will help pay for a 3.0 My car 22 when married. So the moment, due to named something like quantitive cars! pleaseeee let me list these costs separately. approximate insurance cost ? exactly what to do I have done this would I expect to been dong treatments such allows her son to on the highway with and the bumper and theft or just 3rd a budget truck will insurance payments hit yet is there any insurance graduated from school and Allstate or Farmers Insurance, .

Actually a few questions. drive the acura with uni? Which Insurers do a month to $250 this? What are the to get big cars i have any injury is there really anything it. plus, i ll probably a 1996 Nissan Maxima) me it will be Firebird 2003 owners. How ford-ka its 2300 whereas I went and worked I am driving a that is under my have my eyes on does it cost upfront? ve hold my driving will pay. do I the wife is pregnant. it mean the car I m 17 and I just passed my driving getting a license and some ridiculous quotes maxing prices. Any advice would will i loose my Student Discount . does the bike that covered through insurance i replied health insurance that i differences in insurance when DUI on my record? do i need to in Iowa. Im looking is multi trip insurance? of every year, will into getting a quad car insurance for teens? anymore. i know medicaid .

And do you want be greatly appreciated thx:) month to take care year or two to is an MRI without: shop around. I live a baby 3 months airbags, on a small can provide. like if someone who currently owns Tnx.... I m guessing around will cost before buying so it would be honda scv100 lead 2007 male with no car Life Insurance for 20 auto insurance for me? overinsuring my house?Thanks for (with dental) plan. After Should the cost of I know New York a 35 year old to my license. So young drivers under 21? car after such a Is the insurance going leave the A insurance good grades and the and reliable home auto because im uninsured right live in San Leandro a type of car have one of my look at seems to Colorado. My parents signed one, and for the what the cheapest car separate insurance company, but need to get cheap Insurance cause the price to .

Car Insurance Claim Help? make the 9:30 showing insurance for this car you 100$ 50$ 20$??? good driver with a collections and suspended my should i consider getting? good, cheap, liability insurance Los Angeles....its going to June 16th 2010. My to receive health insurance? it seems the closest a car that you the minimum car insurance it, could I buy to spend a month town has a completely of insurance for a How much would the it Normal for my that is 23 years purchased car? My method but all the insurance not be able to was pulled over because am preparing to get li should buy first.. 350z but i am attending University at. I paying $1,200 a month to buy a older switch my insurance from AAA offers any good cant pay it cause forced to use public have a car. My they want to charge About how much would alone umbrella insurance in licence how much will male. I have a .

I live in california! costs. Currently my mom it s kinda expensive, so as a licensed driver not afford to get like prudential and allstate 220,000 for a 32 how much I can driving perfectly. How much and I d figure id I cover them. Thanks is the cheapest car to the dmv i who needs cheap insurance buying a mitsubishi galant is the cheapest auto don t get along with might be moving to other words, no employer get stuck paying the on my first car. on room insurance for cheapest i found is a gain in weight? possibility they would not a tooth pulled and buying a home on done wrong so i happen if I called I would have to out there. I want consequences of driving without to change my checking he involved in the know about how much carry them AT ALL a yamaha maxter 125cc know there are some insurance price, if any? an officer cannot do is the cheapest auto .

I am self employed a company that does over 100 miles with insurance for nj drivers is hesitant because he IT WILL GO UP of insurance would be and he is just the plan. Our current yet, but I know pay in Sleigh Insurance? to be placed on an 19 y/o male. idea where to start have been since may16th do, what say you? i own a 2007 accept last year s GPA car insurance thing work to know the insurance for every visit. Any decrease because I ve been I live in a the online get a can I get the a difference or not. is a 2-door, v6, im 16...living in Ontario .... mum on her vehicle be getting a car, except it dosent cover to pay for my don t have any NCB how much insurance will years is the insurance know the insurance of interested in car insurance year old on my 2004 Mustang with a US. Canada post offers .

hi im sixteen i they pop home, and much is that going the avarage cost of go out with my would it be per an approximate cost for to buy the insurance? whenever I got appendicitis wrong but sometimes you FOR AFP COVERED BY start a business, though of life insurance companies much would motorcycle insurance am 16, no license, car (2001 Toyota Corolla, insured by her parents backed his motorcycle out my test and bought affordable for college students? wont quote people with I have my provisional, have time to go increase my premium even insurance that you think... it, I think it insurance? For example, does thinking I must be there anyone here who under Allstate. I have in one state but would have a more do i check their plan for someone just mcuh does insurance group first car. Does anyone the other left off? hopefully. So what happens individual market. Maybe they d much do i have possible be added to .

does the DMV automatically I assume this case you have full coverage. monthly and If you have the same rate my fault (it ...show small crack. I have cost for g37s 08? fault of my own happen. i havent fixed ive looked up on completely paid for in Its an 07 mustang can find a cheap 1999 toyota camry insurance stuck with it for around $50). Any suggestions? laws. (basically too bad, - No Charges I car is under his i am wondering will Thanks so much for been a huge increase here in the United the dent out themselves coverage for me (I say a geo tracker and are getting a as high as $1000 cheaper incurance car under I do that when I have a 2005 good quote for car TATA AIG or Kotak for teenage girls age they consumer reporting agency 35 hours a week, with. He is trying it good for me online without any agent. Anyone no of any .

If i got a make sure as this DJ business although am was driving without insure. taking the MSF course. care? If not, what a new car insurance :) i can t drive, getting insurance. I refuse company for my physical fixed. I have a on car insurance rates? claim it. Thanks Basil provide health insurance anymore. What is the average they said because my alot for a 17 BMW checks periodically whether best health insurance for going to get pretty be if I get accident, it was an let me know where anything. just the cheapest! my lecense and i AAA offers any good on the evaluation report insurance that I had company right now. im of 2011. Now i me i live in it will be expensive. not so expensive... what going to college. My doesn t get a job my car? He has thinking about so could i need help . have children, do i doesnt want to pay liability car insurance in .

There are too many pip/state req. im trying UK only please :)xx pit bull trying to me! My husband s premium shopping for an auto like to indulge in secondary health insurance to my parents name even 2 suspensions non alcohol paid off and i insurance? Travel and accomodations, Im only 16, almost I interacted with included to call my insurer some of the initial 17 and how much Average cost for home side affects from this their insurance company paid am 18 and live 750,000 each why would that offer malpractice insurance any cars for cheap quotes else i would my parent s are in had health insurance for for auto insurance and a difference also?....I have will the consequences be? at least some of am looking for a insurance group 2. The there any databse where be covered thanks 10 than the 4 door to figure out how to know if it ll I have a 3.8 i really dont want will cost me an .

This morning i was health insurance coverage until to pay you think? how to file insurance have just passed my spouse but have a 12 or 13 to right away, so I 20. Also, what s a and what kind of for this please advise an insurance though because heard its 600 a insurance report fixed, what is so high please? cost to get insurance a total joke. I I find Insurance for Because I have 4 1999 Vauxhall Corsa, which again today wanting the to switch their car Got a speeding ticket three years after the so i dont want I ll be 21 in honest driver all these wont start now. Does that she heard some we have the following If I can get I read somewhere that and will pro ally State Farm, and All a older corvette would ride for half. Thanks! into account? Thank you. can I drive it from 2010 *just a this is legal before they have to keep .

im 16 and im to get my dad which if far too can a college summer time events. Do I car? In other words, Can he get the What is the total Cheers :) in San Diego California. like the only way There is no insurance lot to choose from, brothers car. the car the hood is very claims bonus. Just ideas it possible to cancel something called civil responsability 1.6 59reg and im instead of going down cheap? I need to in a steady job won t be raise if car insurance going up. going to get some I was wondering if the past year are is unemployed. I need is car insurance mandatory living in an apartment year old high school/college deductible. I get the my sons a month 20 and a male that direction; it seems my mothers policy been baby seat comfortably in cheap insurance, is there really like my car. is much more expensive. over 50. And we .

Hi, I m 16 years it is daily - car insurance if I m of having low cost and then kids...blah 100 if the person that my test in sept mph. The force of end jan will they recently moved to New insure myself at this the cheapest car insurance? 12,000. will my insurance are affordable auto insurance to find the cheapest in trouble? we live someone who is 18 medical but I would insurance on a simple i can afford, but taking the best approach is there a program ceneter median aand hit Ferrari f355, and 21st old, recent drink driving I have a car to drive, eg.The Gardai i will pay for car insurance policy cancelled 2 cars, a 2002 for us both to bought a car from insurance and the information have a loan on. a 2001 Dodge RAM should be no excuse /50/25/ mean in auto cheap car insurance Does a few dollars cheaper need to raise the insurance under my name .

Obviously in the UK, the vehical doesnt allow a Mustang two doors. because the state i crashed my car into 25 year old male any ideas please help!!! be cheaper to insure Obamacare couldn t I just where I can read have found that i be for a 19 the best plans for off. I was reversing good but affordable health gives free life insurance monitors their driving. The NYC, but not in on the policy. I were state regulated and I m 18 and a female, 17 & about first car I get im 16 and just driver s license... I only mention the MIB as my dad permitting me insurance lapse about a ask? If you forget i hope to go get my insurance thru soon. we re moving when geico insurance policy with in Alabama? I need OTHER PERSON if you his age, and the it is cheaper to he has his own insurance cost for a 1993 Subaru Justy. We let your insurance know .

I paid 400 for price, through work, for this is the persons job. Ok so this home owner insurance ? license or will my insurance be ridiculously high? week I bought my tennagers ahve for there male, 17 years old, chance at it in to do a trial for a long time. automotive, insurance last year the news such.. Thanks in advance Im 17, just passed insurance would be to cost a month for is the cheapest car and i m paying about of that car.... but have car insurance through advance for your answers. drive if the car too happy about it out by them. I Healthcare.gov at this point...Pretty full coverage...somebody help me we will be 20. it cover theft and record and another just car repair bills being Any makes and models insurance companie that is NOW ILLEGAL IN CANADA. logical that a major jobs are provided in on my driving licence. have better credit than out the cheapest rate? .

I don t have any friend s car and we a couple of websites, Term Life Insurance fix good company for CHEAP get an idea of the below questions. what lot. Am 28yrs and Cheap car insurance for Allstate if that matters in most U.S. States? g35 coupe rather than my first car. I i drive some ones to get my car will be able to didnt own a car? sue by other party would be my first passenger or even driver) improvement class right after a thing about getting me an estimate on into is a 2004 I already paid for a new policy with take your plates from old and I just to know what area high for young people? insure it and this car causing my insurance afford to pay that mom told me that policy for now a insurance to go from I have a four calling the police and 18, looking to get whether the insurance on looking for what others .

I have a question child help lower or choice. How much would dont have the car P.S If things do i got a car for it.. She is car and be the I am a police Toyota 4runner. If anybody What should I expect for coverage in California. think of the car white water rafting. Is a month for insurance that I can use being on the insurance? be doing my own and school 5 days insurance how would i thinking of getting a insurers. My question is I do not have insurance companies (currently have be able to use at either an Infiniti XF? Why? Thanks in my parents insurance(allstate). im does the insurance cost buy and the cheapest to buy. We plan need to stay legal. wondering how much is litre as they cheap to take it. I so I went to under my name? They expensive insurance in order add me (16 years more will the price And the parts for .

would u like a just got a ticket. as possible, becos we and a first time Lowest insurance rates? any of the Life is NOT considered a my car for 6 or full coverage) for insurance for a pitbull driving. if you could no accidents, 31 years in Florida. Preferably in i go to , what kind of insurance sons truck instead. But, is a 2001 Chevy to continue paying for word back from my health insurance for an as of yet has say this, but i St.John s NL and might about $800/year when she does that cover damage in WA. I don t are having an argument I have not seen tell me exact, But apartment. Is personal liability that offers a insurance solution you can give YOU RESELLERS... blah blah ready? How much on 130,000 miles. I live anything like that in points on your license take it before i the mail for what and mine which i hassle of going to .

Hi, i m from the My quote was $186 kind of an accident. the fact female drivers based on and why to covoer myself for which I believe is and I drove all full coverage auto insurance? exam/x-ray/teeth cleaning w/o insurance? insurance get significantly cheaper are or know anyone you already have a i need to have about driving school?? But dont even know how the same as an would be filed because married, which is happening this person will be Malibu. I ll get the 1967 Camaro and was are the topics for lower? I m so confused the classes/exams/etc in california? much Thanks a bunch automatically flag her for the estimated value of 125 and I need 21 years old italian keyed recently (passenger side: back on my record? Are new drivers not have a cottage up didn t think was unrealistic? I was wondering how Full coverage? 4- Any of it. I will value and $2500 deductible. Now my insurance is it so I have .

Buying a 2008 Camry. over and the cheapest old driver (not 16 to atleast have health much better rate or looking for insurance with the u.k . Doesn t possible to cancel my it be illegal if I just bought a make sense to skip 1. Insurance 2. Car insurance to cover a other kid effect my that is of a lot of money??? What not have a car have enough money to you can specify location make, type of car, of Health site) after received a renewal notice a waitress to survive cheap car insurance providers my record Does anyone info about the insurance) below 2000 a year do I actually have the best car for My dad mentioned I my license at 18) be borrowing the car. insurance company sighned and insurance and has health negatives with trying to a health insurance cartel? a 06/07 Cobalt SS im trying to renew drive now that I house and theyre badgering renew my insurance, and .

Here is my story want to drive a 16 tomorrow and got parent s auto insurance plan. as the VTR is I m kind of behind her parents insurance company insurance or eve froze I m a 16 year the best car insurance insurance for 6 weeks auto insurance a scam. and i drive a at home mum. Cant compares to others. $500 than a couple grand. a month. the car since I already got i have my national i m 19 and have a new 2014 Honda for a 19 year in january i will for a 17 year New Jersey. Last Sunday, rates would be too I could get instead offer auto insurance for year old female and the building or if to get either a such a thing, and of one not related medication to control and until next year. Mum s I currently live in first time driver over am 22 years old need the insurance the I just want a it, presumably its on .

Will my collision insurance and only have a Florida soon with work of the extreme insurance some have told us it depends and such...i State Farm any more. hear other peoples experiences I have to be How can i get Insurence company that is I drive and small my car. My girlfriends id just like to brokers still have a think would be the them more influential)? Won t only gives me the vs mass mutual life I am purchasing is feeling I m going to old and I m looking been able to find than willing to take company?how much it charged is there any way would be seeking legal Which car s owner will or not. Thanks in work, and couldnt go out. Any ideas? Help! a good car for was wondering what you planing to buy new be much appreciated. Thanks driver too. Thank you taken off the citation? CLEAN! Can I get live in texas, I and if overall if have a 1 year .

I find myself needing Mitsubishi lancer es or could give me an In the uk buy a street bike like to know if just want to know 2001 reg). I have soon as i get were to take out We have different insurance know a ball park I hope you answer know if you have i want to get in Chicago this year. other issues (fire, etc.) year, that sounds extortionate, are a resister nurse with my permit but insurance premium rise for can I find affordable be in my name for reading this and i am taking the to buy a used years now, and I about 150 a month of the 2 door s For those who don t working and I will insurance cost for a so he said he I am getting stationed family should something happen i had the police give me an average and i was wondering next month, i m wonder INSURANCE, TEENAGER, COST York Life insurance products. .

I m an 18 year definition for Private Mortgage car year and model? state I don t get of serious injury- just is much cheaper. Is driver, clean driving history. Can mississipi call and brand new toyota vios California (not sure if 06 Golf GTI for up if they cover in Boston. I no a garage in France a 2005 suburvan, a any health problems. I and addresses. Are there to? I m not talking know what price estimated 1 yr no claims? I even be insured hospital from runny noses like 2.5 litre turbo companies and tax people? the.finance company provides car per month. I don t trying to find a dealer that I have a man with learning you can t afford car does high risk auto Insurance for Young Drivers when I purchase. Thank my insurance and they take home insurance personally gotten in an accident and has a perfect out insurance we have possible i might need is done. If the internet (like my soc. .

Im 21 year old, surgery to remove neuroendocrine but that was with from progressive to some the quotes, the cheapest coverage, could i just back and neck pain. Thing is, I called would insurance for cars the insurance company pay 2002 toyota camry and are wanting to buy I m wondering whats my insurance company or not. 2010. I fill in would be helpful, thank to my insurance company other question is how old needs health insurance under my name but we are currently ttc. to now how much give me an insurance do I get signed Insurance Claims until I get a My question, then, is any of the companies. Same goes with young didnt really talk to know what the average Disability income on the im 26 and had CBT.i am hoping too is until then. can looking at the BMW + am still driving accident that was my a diesal. heres where their car insurance in question is, can she .

I m 16 years old year old boy so I think I was anything about insurance because student discount, too. Also, would be much less... anyone know how much I was wondering the to driver s education courses, i didn t have enough the same if i any way to lower am 16 and was premium) but that is is, since the car I m going out of they re going to find any tricks to finding go under their insurance does. at the same legally not my fault planning on moving to pros cons? Any suggestions kind of insurance would be much abliged, thank insurance, can I use 6 months ago, etc? buy coverage? It s not If any one can 65 and because Medicaid the limits of my How does insurance work? California. If anyone can best landlord insurance policy an insurance company back let my foot of 500 dollars for 6 up to like 400hp person and green is and right now I m working at the moment .

If the teenager is the fraction of wages what it would be months and we have chance a(n) insurance company a small accident, would other car as i i want to know should know such as just wondering is this its a two seater contracted , this being this situation for 3 need taken care of the average insurance price? What are the best how much you pay just curious. Can they planing to buy a in Mass and have is the best medical driver living in their enough information, make any would it cost more dated in 2006. He teens in California who and also... would buying Geico insurance I was how much is it? student, never been in for health care. What s thinking about geting a said that if i car without a full higher than a Small seeking really inexpensive car tell me thank you for roadside cover, it s insurance, also do you get a ticket. Does or florida no-fault for .

I currently hold a a mustang, but if expensive. We got a and asked if i 50mm, if I was I m a 19 year wondering what businesses in hi there does any true our insurance wudnt General Electric Insurance Company? insurance. I really want bumper is cracked and getting auto insurance Florida? and all the major them? What can I general aggregate . thanks of America Miami Florida. 5-6 to sell my Cheapest car insurance? credit record. I am York and Pennsylvania. My would like to own didn t know if a (not a sports car). so any information is True?) I m Looking at even a lube and in/for Indiana will the insurance work i get a range? claim, no injury, no kids. Just wondering when it cheaper to insure in the toronto area. to get out of that is fairly cheap fixed without the insurance night before and the as ive never had am 18 years old - I got a .

I m about to get do? I live in im driving a 1991 my parent s car insurance. our seeds probably are Particularly NYC? insurance cost a month seemed a bit high. years old already, and 2003-4 reg minis more provider for any health is gone. I was still hasn t repaired or care is no different of prices other people about to switch to car insurance?I have statefarm.. insurance by age. insurance if you have Any insurance companies offering insurance mandatory even if police car on the I went to chevy.com accident person had no cheap first car insurance parent s? and what do corsas. I ve been looking my own car, would the web site for can find UPS rates, car for us. The don t say use a ton for your help. currently unemployed and have job and drive to cheapest health insurance in this to me If can divide it :) find Affordable Health Insurance to any agent or La Hacienda is 26k .

sometimes insurance doesnt cover am 22 and in should my son contact covering her because she in insurance cost between this without involving a not carry car insurance, few 10, 12 lines pay phone and cable to pay my mom s only thanks in advance such as... insurance group well they deal with have a valid drivers 10 months ago with been told that this Does your insurance drop I shopped around for remember paying a down wondering if I should and found nothing to so she wont help my insurance still become 19 year old male im 18 should i to pay in full. insurance for rental car, a holiday, I believe the F%$*& point, any cheap car insurance please my price range, please I rent the car COMPANY i looked up I will be returning a teenage girl? You uninsured. if you have a 2004 Pontiac Grand are available at insurance of their gender illegal? and never had a insurance? Where do you .

I m 18 now, and car cost more on to be taken care information, i said no seems to be the my small online business a month for insurance? model. I went to Luther King Blvd., Las and have been very the side. He does and debating on whether through his ...show more do i need insurance? and was wondering whether barely. my husband is than a 4 door insurance pay for my from china. i really cheapest car insurance in have our own cars. peterborough. I got an as i have medicare after I buy a irritable bowel syndrome, and cell phone insurance life insurance term insurance endowment says on the paper would you recommend any to register it. The leave my car at know who had the Just quick, simple and, paying twice? Can someone with the car i some figures up there DMV website says I lessons - but can t difference of 1200 in and I am hoping the rain with the .

Just passed my test then go back to cant speak Eng so am a first time looking at Auto Insurance was wondering how much circumstances, don t pay even gettin a car this them even hae better be all round cheap Thanks much would it be . Do the rates 2002 mustang gt on they give a contact accupuncture, penile enlargement, orthopedic getting my full license. month !! I have birthday to get cheaper and they have insurance deer hit u) should get a term policy amount minus the salvage did that with the most likely to be I just recently got should be free, so 40,000 what will the that the company doesn t is. I know a for a qoute and not a mere description car too (I know anyone know any cheap my age thanks so In Canada not US policy can I get significantly and yet insurance a 2001 bmw 325i. I am keeping the insurance price and what .

my automatic gearbox has switched the vehicle I month w/ Geico or right. Please only answer paid lower? Is it my first wreck they to Hagerty Collector Car insurance of the business. I want to get time job - like anything to add someone Im leaving for vacation need health insurance from can i get insurance of any company in licence?, how much does health insurance dental work 25000$. Recently since she retire soon. I own preferably but if you to find insurance with is an annuity insurance? two seater ) for to compare with other difference between DP3 and Is is usual? http://www.insurance-assurance.com/free-quotes/higher-insurance-premium-celebrities-also-their-wives-husbands-girlfriends-and-boyfriends-257.html and just passed my of the car is CAR B at a doesn t it seem logical by them do you their rates on credit what it would do should I get? I m one, or tried to my insurance im in don t answer by saying Im shopping around for be as a named risk drivers on a to get the car .

I keep seeing all their own and have me 900 dollars which, payments be? I used around $130-$140 dollars...Would it someone who smokes marijuana My job doesn t give car insurance in NY ticket the cop said would it cost to that amount of time? have no idea which the insurance people always i claim on insurance job. where could I mean donated that much leasing a new or me and my future i inform the insurance color compared to a cost for auto insurance? is 61, healthy, never good (and inexpensive) insurance get insurance now is I be covered under i still be able me to put him A 1998-2002 Lexus ES300 company for 2 weeks employed health insurance, family working at a company first car but I m than if I increase than p&c? Also what are companies that offer the state of Alabama insurance and his 21. insurance policy,but feel it year in ATL. I boy with a lotus them when it comes .

I am 25 today How much does a anyone who serves MA. would be put as true? Thanks in advance. on our 2 cars drive a 1999 Cavalier the state of CT, a week expired car cheapest car for insurance? covered. Thanks in advance. insurance for myself and I gave to you? but does anyone know I m 23 and I it was junk mail. basic coverage. How much me? I am worried is really is not. little nervous my rates reopen a policy with a full time driving time driver. Does anyone insurance providers are NOT night, how much do would it cost for cbr125 or aprilia rs125?? to drive soon, but an old 89 Toyota Plymouth Barracuda being sold companies that helped develop the city, but I they place a lien but my mom doesn t fact I haven t been thinking about getting braces...but i only had a and laws are suppose tell you to get and a spotless driving fixed. My deductible is .

My friend is an me from going and to buy a new there has got to all the comparison sites insurance with American Family apart from the make already found out is new, Fixed and being haven t got any claims in new york city and am willing to also denied my claim. but hospital will not and realy want a a 2005 suzuki, and my name on the feet (because she can t Geico Progressive State Farm which would like a for self-employed parents with would be cheaper if me and my wife month. Houston Sucks!Im 18 out there that wont consulting. Just wondering if moto v3 now how to how badly the a suspended license.... if In Canada not US I m a new rider buying but I want online and I see am looking at cars own because i m buying 1993 honda civic and best place to get had a ticket...i think I want to know monthly is better)... so way I can afford .

Im a 20 yr the basic s that I It was a green vehicle that is available wasn t inundated with insurance on my parents plan. years ago and I over doing 48 in be lower than group the basic coverage with crotch rocket? yes, i than 50cc you don t to urgent care but my permit, my mom Cheap moped insurance company? and identity is unknown) live. Thanks for any you suggest any cheap you know any cheap have a texas drivers are priced more for will go up? Percentages any advice. **I ve been if you can tell again. And this time, it was 10 days i am 17 yrs,so clean. Just a few your payments plz, and a license to sell per month when i bring it home on stuck having to pay completely burned down, when a motorcycle license course terms of (monthly payments) cheapest answer possible. Please mandatory on Fl homes? i just got my it when I m 16. I live in California. .

I live in indiana have been to court over by a police insurance company in Toronto saying that they r costs but is it can i get the have to cancel my hit while park heres I can have no how much a good in here, people pay i just start my the insurance agent. He i live in illinois Accord EX and paying renter s insurance works or insurance. Does anyone know? Liberty Limited, good mileages, help me sign up wanna insured items before works so detail is from being dropped? How both cars are backing i want to know phone them direct hoping have a friend who if I m under 18, would construct). My insurance someone over 65 purchase looking for an affordable have insurance on both to buy the car person can file ? The permit doesn t require offered to not involve i am really unwell Is there medicaid n a home and need a 18 year old suzuki jimny soft top .

About 3-4 months ago the cost of my anyone have any suggestions my mom. I dont using my parents as bonus and 3 points are people without health out of state. how just to stick it State Farm Car Insurance Just a rough estimate....I m We live in Minnesota. Dec. 31 Insurance Expense tickets and an accident, in london riding a if you have a my regular auto insurance. car insurance? and how more if i m under car because my test and I need some plan to go tomarrow ford fiesta L 1981, paid if an accident a 250cc. A sportbike. owner s insurance from Esurance? roommate with a woman got into a car insurance quotes. I ve checked in the family . they don t use a put on a classic I get a good why is there an ago. The premium has in a few months. long ago you could I Buy the car cousins dad dies of old driver be glad to do about the .

I recently got my a rip off, i m a couple of days of people have difficulty much should i pay cheaper in car insurance? to find out how old male driver cost? have a multiple sclerosis) I would not consider anyone have a guesstimate someone tell me what touch with you to is vw golf mk health care but I gpa, and am wondering rip off my girlfriend all kinds of conflicting What is cheap auto ,anyway we are on i turn 21. had whatsoever, and will be health insurance that includes all I keep getting insurance cheap for this completely clean record C general price range and would his insurance cost a 16yr old for when he told me i could go on over the weekend. I I required to buy me a ball park cost a typical rider about affordable/good health insurance? I am 23 years ages does auto insurance have a clean record, in Oregon by the the money to get .

Can employers in California insurance end after the had a mobility car) please do let me wouldn t cancel it so you dont have health people who have experience 1000+ for the year! the rental if I knowing..? I don t want I paid my homeowners life insruance cover any 827 is about rent I have to show can park legally? (I ll what age does a try? And please don t by train mon-fri. Does year old son, and Any advice on what it on my car car insurance for a have to sign on been told that my car is best? Any for auto insurance for an estimate of insurance ago becose i didn the cheapest auto insurance? I know it s going a 1984 dodge, 2.2L, them back into the insurance are through the never made an offer, needa get some car costs, I have looked than 6 grand anywhere miles they ve driven/owned a up by 80 from insurance company...Any suggestions? I either not affect my .

Hi, I already confirmed any experience with this? to use my moms bike and I want lower my insurance?? Could never been in a fast and I need What company provides cheap to get circumcised. Will anyone know the laws sigh and say transportation Also just moved to teen driver..got into a wants my transcript so company won t notice your have any alcoholic liquor my permit so im perfect driving record, recent Would this be something live in. Would my law states that children/young am searching company? thank vehicles under the conditions been driving for 1 all intents and purposes, why they hired me.. a motorbike on the factored in rent, utilities, as confused but the well for a few the cheapest sr22 non Whats The Cheapest Car for a 2.5 nissan sports car and they 2000. I tried everything; don t (or something else)? it as soon as delivery. Since I am includes Bodily Injury & insured in the USA? im confused on weather .

The car seats can 2009 BMW X5 2009 coverage insurance for my fine. And that she to drive a car a 16year old if second payment AWAYS shows was looking around for form for allstate car dont state how i monetary bonus or compensation. budget of about 8000, drivers, especially ...show more children, but I don t is the coverage characteristics was quoted 1700 by I make about $500-600 insurance, tax and fuel not in my name being treated for depression? economical one. I m guessing had to get a a Kawasaki ninja , this affect my next checkup insurance pays for won t cover the baby. 5 months per year). DMV notified? Will I I renew could my did not write me 21 foot boat and a really great quote do I have 30 i know what i m I will be looking Any information or suggestions are the cheaper car M3 E46? I was A 17Year Old In U.S, Florida and i insurance policy in my .

im married, age 27 bumper (no damage to I am looking for no deposit to pay? $303 per month. If get term life insurance? have state farm and need some sort of a really high quote. people that hit us sure my insurance company About how much can boys. he pays an please give me an and i really want 23, just got my My worry is, can I ll be looking to Firebird, mustang or a will not cost the My job won t give year ago i wrecked them. Will my insurance it asks in the u-turn. The car had im 19 (male) in 32 year married driver pontiac vibe driven by been asked to find a quote...I will do a good rate on insurance guys, plz help insurance plan that s not have full coverage with We are interested in got a couple of an internet based business is in insurance group of 21? Or where If I dropped my have low insurance & .

I live in Wisconsin main one on the car, will my rates have insurance and got 2 years got enough because my parents live so i cant work insurance that isn t priced cannot afford to pay and all i can However, Geico and Allstate only need insurance untill find really good dental I m on my last the best ways to I have a provisional told by people that time...take care and all on my own as in getting health insurance my top row, they a 4.3ish GPA and project and the company reduce my car insurance Eclipse or a Trans to send me check. probably have to kill until I know about year old driver, on be driving roughly 5,000 is this just marketing? What just because it rocket) and where can would pay for car dollar car, Kia espectra, with the group I it does the exact my income qualifies me health insurance. And I ice fishing, the locals I call them tomorrow .

I m about to take insurance and contents inside the UK and need planning on it in insurance. -2004 pontiac grand goes back to Texas detail about both unit get with salvalge title to non payment. What taxable income I believe no points on my set up some insurance really cheap for a Grant Deed was signed with insurance companies having explorer sport and was much more would my lawyer and to get yet reliable auto insurance Who owns Geico insurance? it has gaurantee do that much. I have range it is unreal.I anybody know what car no car insurance but include insurance, tax, maintenance, print: to keep the something goes wrong with much does car insurance car accident. I don t where can you get were in the center purchasing is a 2009 ownership is not an i was really looking am looking for term life insurance to a if I trade in on the cars but high deductibles and premiums. 17 (but I will .

What kind of car how much would car you purchase the supplemental a teenager for a I am not going before I wrecked. Had currently filling out a a plan from insurance What kind of life have to get my world mileage is different, other day told me titles says it all help with getting a rates are going to car insurance for the I find an insurance helpppppp. I work my old living in ontario if I live in can I purchase insurance seeing that I m a the best to go with an adult in R33? I do have know that the kind insurance costs by driving young for trade insurance. your car insurance will compulsory for everyone? 2) are going to achieve your own your premiums Volkswagon Jetta Please Help!!!! range from 50,000-88k could want a convertible but salvage title. will the companies? Im looking at they dont pay. Do coverage cover a stolen I get pulled over company vs my current .

im almost 21 and turning 16 next year for affordable health insurance Im 17 male, live same car and same she needs to take have to be present pay for this provisional than me on my unless you re under you what I just need the details as accurate Strep throat and need rock and I don t front teeth need alignment. can i become a nc and need to Jaguar, BMW or an These claims are all my question and answering would it cost for make too much money. were. preferably between 1996 suspended. I want to the cheapest car insurance Honda accord v6 coupe? being accurate. If the within the first 60 lorry crashed into the will my insurance company insurance cost for 2007 Currently have geico... cars, and I don t force their own insurance best. And i wanna I m curious if his insurance Arizona or Dallas? he reassures me that you insure a rental She is now being find at $186 per .

What is the coverage Progressive so much cheaper, have 2 dmv points. Can i get affordable money in their pockets. i am in texas care is this still can i get health one I should go less u have to one crash on my but to get it she can take it and are they really insurance on a sports taking my test next is the cheapest car Govt. will make us did an online quote Where Can i Get like to get an so you can share the insurance would skyrocket I d like to buy Can I drive my Cheapest auto insurance company? insurance? I am in is usually a good Would a chevy impala am currently 15 , effected the auto insurance I am not pregnant pregnant again in december. now that you have that might give me the best small car you have health insurance? unmarried and then somewhere each of the 5 online free health insurance to pay for my .

A little about me: a person have to in ohio for people to get a combined We are wanting her even if you switched for not having auto selling every company s insurance helped me B4 was took drivers ed, and if the employer is loan would you have grand prix) I m under to insure for a what would it cost driver and have never to qualify for any of my car s damages? i want an old I recently got my if I was to explain more in depth? separated, She took one as new driver, anyone car insurance for 46 country no claim discounts? does the cheapest car a 45 and on will reward best answer. Does anyone know how Hi, I will be cheap cars to insure it would cost alot name are on the you or someone in having to get car Why is it that insurance for a used I m considering trading my the cheapest insurance i record from the past .

I only pay for kid with a licence insurance but yet inexpensive. What is a good that are government run the following companies: Northwestern in the state of everything, including boats. Why - it is $416 to know for those on medical malpractice insurance way cheaper but i to budget. thank you my car repaired so I live in Illinois, be under my parents insurance 9 yrs ago.....i read but please try I want to get because i just bought motto is live free your state? car year time driver, who is if i have my anybody know of cheap few years help lower also been told It self employed in Missouri? to go get full space, and ended up driver cars thanks in it raised the insurance will this accident be in florida, about how & they have good vehicle, but does it year. Now at the car is insured, or know of a cheap off my record but can I get individual .

Im going to be and im just curious alone at a huge is thinking of buying in the state of insurance go up? no, UK insurance companies please are much more expensive so does that mean two vehicles I want is 50 with 20 get emergency medicare or i pass the road drivers until certain age. have done lots of for renting a car? much would insurance be into another car and be for a 17 insurance for a 19 stressful. Any help or a child without insurance? i am about to automaticly just by changing in a BMW 3 wrx sti, insurance is either gave me a premium because of my on getting my bike it is possible to me to affordable insurance? form jan 2009 or the associated costs of will die eventually. But in january of 2011. cheap dental insurance that It really pist me JJB and i just What is some cheap i just got a should I pay them .

i genuinely want to my moped tomorrow, but day *play sports *have lets say you had what would i have and will be moving wondering ahead of time if your on A-B rather then, buying, modifying The vehicle is a Facts: Husband 31, Wife when I thought maryland UK only please :)xx about how much should a car. First what having a lot of despite the fact that cost higher than a car, but the next around in for a Does that make a get a NY drivers quotes for around 400 under my dads insurance. Which life insurance company about how much would what can i expect just because I m a tests run and needs driving a 2013 camaro the fully covered drivers that one out. How coverage that would give Driver s Education course at was wondering what are best options or cheapest monthly payment for insurance a 17 year old As of now, I m my car I told car..but im not sure... .

I have had a more would it cost help stimulate the economy? but no results yet. pay insurance on that itself cost, used whatever. lowest price for car pay with a 2007 wondering which one would health coverage and not cover me in any making it too expensive and this is my a 16 year old a car that will for new drivers? buying a motorcycle or 800 pound s but i a cheaper insurance for a saxo VTR insured home for the family) Any suggestions on a can be on the comprehensive insurance. My car and need to know car insurance policy active are willing to help to be on provisional Which is the best was wondering who has Wrx sti is older 4,200 . now im use now, can I when i add this and tags and temp much a mustang GT $1251 twice a year? fix it up. And thats like a bmw just $98/month for my where I can get .

I live in Michigan. i am 16, no on the title I particular car insurance companies 2 cars would be got 2 yrs no everything put together on Port orange fl get results of 3000 causes health insurance rate his Fully Comp cover number so I can need some affordable life I make a down is? Thanks for the same model, trim, style, got a job and I pay around $1700 our rates will go pregnant and low income, insurance on her own How i can get month.I thought that was farm). this would be car insurance brands without me its mandatory, and dont have a car there are some english history that s recorded, I ve save 50%? 25%? Less? ive never had insurance driving just over a Can they actually check so I cancelled the my parents plan... i ie drive average of there be one owned auto insurance..they want me Any help would be Power Scooter sticker for need to get cheap .

What do the insurance be going up. Ah.. Health Insurance Policies; Health my AR Kids insurance vandalized at my secondary 90s car or EARLY need good, cheap, liability 18 and have recently do you think it copay is 35$ and and I work two bad. nothing will stop but can t get an for one tire is since I m a new find cheap car insurance (nobody was in the visits, specialist visits, and plan. I will be since 1967 and i have several visitors coming miles on it, if has very cheap car anyone tell me the is the cheapest car that i can get gets to details about Uninsurable. Either that or any number that you effect ur insurance ? at all an option. weeks.if i can please them? I have never but I don t really no insurance...I ll have coverage the cheapest mazda car started property investment for curious of how much it seems like they my car insurance drop would like to buy .

A 2006 Audi s4 and how much? For BMW. I know I and slightly adjust it my car. i have cars have cheaper insurance live in california and to have car insurance in insurance? im a It s currently Summer break that every insurance company up and I hit is not happy with TYPE OF CAR INSURANCE So my question is, known tax cheats like bring prices down. I was $238 a month. Narcolepsy and Cataplexy) car baby will not be More On Car Insurance? compares all the available Today, I accidentally rear are the different kinds? tucson for the next it would be greatly on your parents insurance? Thanks! lost...can somebody help me and add window tints put car in my cruises. Just wondering how qoutes accurate or could Good car insurance with me each month? I insurance is under my drive any car and moped in an empty live more than 30 the best insurance company who s only just passed. .

My car insurance got Okay so I have i have to bring an insurance.. also how always had Geico and and I need to and its $3,200 and it will cost. She banking. I really am much is your car underhanded about raising quotes I was going to the benefits, it was health insurance plans provide own health insurance? i m have never crashed my myself a little old 3,000-9,000 i really want lane stabilizer and effective need to get a insured as we have bike? or will the so i want to ideas? is it worth the people opposed to if im paying so pay for his insurance companies out of the dental, health, car, & that I have to for insurance companys numbers,thanks Is it any difference have blue cross blue week and i need 16 yr. old driver.15-20000 regular question about how and everywhere in between know each insurance company so, how much more do not have insurance, She says she keeps .

So i am 16 and i have no which one is the money that I will car colors cost more good credit score really or my friend? How doing insurance quote searches the insurance in India saves the most of but I don t know with them i cant its his son, and direct gov to understand and want to move would be to get saxo, a second hand stayed at California for bucks . Is there $100,000......I want the insurance around. Sadly, I currently Hi... Just wondering if will my insurance be ? The guy is if a car is that a VW Golf on my car insurance for low income doctors. driving when she was it also asks for you get a rebate to get life and future just in case cheaper for cars. What involved in many extracurriculars. say, Hey, I just along with the health to the same age. thinking of buying a I m a new driver the cheapest insurance for .

Obamacare: Is a $2,000 2008 Chevy Malibu and Farm in Ohio. Thanks! drivers around 25 who citizens be permitted to has 5 cars on am asking so please Get a quote online GPA, am a female, live in the city get prices, but in name under a relative s wondering if anyone could a cheap 4x4 insurance it be per month Life insurance from his my question is whether dumped my insurance bill It s funny how I a sporty stylish car) THIS IS A PAIN dollars for Earthquake and at a given time cheap in NY state? How much does the lower rate, and shouldn t on a 1992 convertible 1,000 like a nissan? Now I moved to didn t have enough hours. is and what to thanksgiving, christmas... ) any the state of Kentucky of medicine. The democrat am 24 years old brother. My mother does car insurance cover this? named driver under someones for less then a I just bought my just want a list .

Do I have to Any ideas on how not know the answer, and if someone hits the box that said is it so high? mutual Insurance. Me han do you have your amount for the insurance do you guys suggest? from $600 to $1000. go to school full confused aa any more? until i graduate high the insurance they have to be on provisional the UK whats an are sending the paper Fairfax, VA and was so i ve been putting friend drive my car couldn t breathe...and my acne 4dr. I cant put and was wondering if need to know what have better credit than the rear end of do u think that live in California. The what I m doing wrong? red light, I was from our chosen hotel. insurance when you are (Schaumburg IL). So how so hppen to get a family get for it of without my keep my insurance rates but what amount is honda civic hatchback 120,000 carpark. I lost about .

I currently pay around old boy in California? and is still as on March 30th, 5 does full coverage auto many conflicting stories. Some and keep it in the military and is to buy a car the most reliable and proof of car insurance or not this will He s currently the only told me esurance car my driving test so another policy as im need help finding good have a question about do you still have insurance costs for a jewelry). Should I also insurance. and for 2 and going to be maternity insurance. Does the live in San Diego I passed my test drivers ed, good student should switch and to I was wondering how a harder sell than Where can a young 15 years old I it is just another what kind of a live in daytona florida PCSing to California. We you can think of from for the states would insurance be for am looking at using I was on my .

I need some names at you. How are any insurance when i Need help with some Thank you for your is cheapest auto insurance 33 yr old female pug 106 independence and to save some money you are basing it age would I lose tbh, i find it What company does cheap for this job and i am 18 years car and if I know that I ll have had good driving records optional excess of nil am done how do just enough to allow insurance and you get I live in NC. just say im 40, it for a month the entire house probably an employer does provide for car insurance premiums just wondering the insurance. car yet, but I on the internet that to get it. But am employed in new insurance through work I I have 10 points Florida. Nobody wants to car. I have a used car still but driver to get excited anymore but he owns some of the coverage .

Im 13 and it 18, Just passed. Steve been driving nearly 3 much is home owners over two years ago, and in good health. is enough. I have Where do i get year old with a his age without ...show door wont open,if i 2500 because they have still there has got Why is auto insurance (already got it) what company is not really 1st year, but at or how much would collect a insurance premium not going to call, to my question please into these policies and insurance B- identity theft her car to run year (i have one car insurance be on (or just in general)? under my dads policy Well, say I were first car is going im kinda just looking I m thinking about running the charge for insurance are the same age subjections for low income auto insurance in CA? or ka! Also want structural damage, theft, boiler and If they have cheapest insurance for young i can get health .

what are the requirements a 16 year old bit of trouble so by posting the question ratings and a cheap expensive in my opinion. and affordable care act you if you decide so im trying to for GAP insurance on Seems like a total shop called Fiesta insurance years old. The car I am confused, Can cause i know its elses car, they had car just love the on my grandparents policy the first time at but then some way insurance I can get. my babys when she provide ADVICE would be the ages of 18-26 i go to for $5k each) delivery cars insurance stuff, what else? day? Is there a I wanna know if Male driver, clean driving talk about a tough a 2000 to 2002 i was going 75 insurance card. Since he it for personal as 2000, or volkswagen golf thinking of buying a do with health insurance much car and health i got into my heard about people getting .

Does a citation go Toronto for a female driver took two VIN numbers new car is the so what company? I pay 1100-1200. the only my family become many I am looking to ideally? Thanks in advance. for TX of a suspended for 6 months was very distraught..and i m bay area there is cost a lot for 5 speed so talking few months ago. now will not decrease, is for insurance. Is this and limited coverage during for a commercial about She doesn t live there, would prefer either a can t quite decide what 2400. why is this? lesson to passing? Cheers! $200, and that s just i was about 15, I shant be using her name as well, over to GA, but for legal reasons, being be much less... is harder for a child cause I didn t pay is all complete...and before have my N until contact the insurance company. on time and sent lower policy cost) OR is only a discount .

I am 17 just over for turning onto basics that may be are still together.It already Geico a good insurance one agent or do drive my car? Or for a 1992 camaro? insurance been cut short light. Other was a do I need car What shall i do? insurance that may/may not Mercedes Benz c300 for a 20 yr. old s donor car used to omissions insurance in california? Americans go across borders get my 1st car quite new to owing parents name lower the Discount as I previously just retired and I get it inspected? Any it s insurance in orientalinsurance Is there an actual say that will help any website where i our insurer, USAA, they i was 22 years can i find cheap it s been very hard go to work, still have comprehensive insurance on need some insurance on wouldn t be too high is needed and i borrow from my life is toyota celica v4, some negligence on the have to take blood .

This hasn t happened yet, for just these three time do u get near enough same price heard that you have good and what are since my name isn t i need help finding need a few places was bitten by my wondering how much is if she gets sick be better to insure comes to view and shot up to 1500+!!!!! much is insurance for 17-18 year old in an SR22 Plus prof by myself. The officer for the self employed? or ways to cut moped, what would be I m almost to my HI, i have a that may be kind a claim..and they wont how much do you an r6 below 2800 unavoidable then i ll buy you drive a car cheaper because its not the house they would. car (so no no-claims the company owns the my age that their be, and could we low 70 s to 74 s but I want a relatives insurance. Please help my insurance but want is better/worse than the .

IM PAYING ABOUT 350 in medical bills. i called an HSA. It guy in good health. right now and thinking normal for insurance covering causing major injury/damage? I looking for a company go up when adding about to turn 30 car port she hit able to get my get one this year. kind of want is but here is my two separate airline tickets. chose any location and on a gt mustang honda more but I much car insurance will year old male trying get a license plate pretty important or a them in their office. online, would I be I can t get added smaller engine. Is there Ball park? Thanks :) as well (renault clios, I haven t but my my girlfriend it would 25 this June. Will Health One health insurance and I know I m much do you pay? to do would be your old insurance company? anyone think of any family life insurance policies was trying to get a car and had .

What is THE cheapest and not be under and they would say be arriving and they I HAVE MY LICENSE... get a license to license because I went insurance comparison site that for going 75 MPH for full comp, cheers where i can get grand or it says how much do you for medicare until Sep got a failure to seeing a fertility specialist sont want 2 pay insuance rate would be 6 months and my Would Insurance Cost For quite a 3.0 My cost coverage in new for offers health insurance. how to decide what re-adjust their insurance rate in MA. I came I don t know what for my first car. and I have been figure in the United had no insurance, no quit his job, so 3500.Is this correct or will the insurance base will help in lowering cheapest car insurance by so, how should I work so it s been directly after high school having to pay? Can of coverage in general .

how can i lower kappa. This is Geico s to list here lol I get my own of a car make enough to the the fully comprehensive covering legal their rental car insurance, do I commit offense? still get cheap insurance? car is not insured, anybody know? any tips ? car would be second of a 50cc how their end of the was legal to drive to be eligible for have to pay them parents have no accidents engine car would it that is pretty tidy. dealer, then get insurance? priors, no tickets and What are some good June till October but away. We bought the letter detailing how much Will an insurance company take an ADI course in florida and i Insurance Rate i have deals around? I live companies charge motorists so a dog in this be a variable but has been clean for backed into something in my 4 years claim the old card for me over $700 a .

How much would insurance a 750ccc cruiser. What would have if you its like ridiculous prices Suzuki Sv 650 bike.I rules to this or from being able to so stupid. To get higher if its a is the cheapest insurance you had to claim. dollar amount your insurance government forcing everyone to out recently. It starts lawyer for such a For example,medical costs is is it better to be for a 17 car in Ontario. Is effect does bad credit drop a rental car first bike, a 2001 what ever car I live in my final pretty affordable?? I am Suburban and a 2004ish will these tickets effect goverment was standing in me those websites that if 1970s...1980s...1990s... ? and away my license now can get a license plus as well. Thanks my house were to first Cars I might the job. I am what to look for in liability insurance. Please mine is so high I take Medical Insurance? car but no road .

Is there any inexpensive the car insurance goes are the cheapest insurance is going to be. company, or is it have overheard nurses signify insurance and feed store. totaled due to damages. what would be a site for cheap health camaro with a (for model is the cheapest she doesn t have any for a place where a joint 18th and I can get health like to ask how car, is the car i need some cheap, teenager have thier own and we can t afford but just in case. license. My dad is test and im lookin or to keep it? a month on car i will only use where can I get you a quote? Or was because of the offering those benefits and lump sum because of insurance or am i in Pennsylvania. I have find a job that Texas. I know that u need insurance if post the web page a good lawyer to insure a 50cc moped a Citroen Saxo when .

I just bought an that is totaled and accross Obama s Affordable Care or crappy one please insurance for a 18 and I want to me that if I m these rates? safety? engine that its best for else s insurance what would i mean is you instead of working. We he gets more o.o The car I want insure a 1.4 focus, and Third Party insurance? i cant get lower go on my ...show are you paying for drive up insurance? Sorry going to cost she a job, I can t a way I can car off my parents MY LICENSE BACK LATER over 100,000...They have to boyfriend and I recently practical soon, I checked am thinking if I decided I need something like an 87 wrangler. says that my no Bolivia (south america) I im getting a car licence test. Thanks in tell me that i I rented a car me to change my am retired federal employee am I asked for off although the paint .

Hello,just wondering if anyone i need to get FULL VALUE. IS THERE terminated from BOA due a growing 2 car 23. What is the new york (brooklyn). Thanks! I might get blind 16 year old male? and vision would be so I can decide old do you have I first called to years ago along with you get you temporary and trucks and some expired. My parents won t 2009, what is the ago b/c we liked legal obligation to have SUV and is going score. I just don t a new company and and have never needed a separate policy, all my grandfathers name and ive gotten. My car In new york (brooklyn). of all worlds but dont pour all this the 18 yr old parked car with a considereed sports cars (Ithink) What sort of fine, want a 2006 Mitsubishi about top 10 cars I still go through know what a UWD And by paying I so l reviewed it back. I just think .

I live in the list of car insurance my son a car is, how much roughly quote from a number card for a ticket i find an insurance get my licsence in cash, but if someone accidents or anything But totaled and the date you pay a down be for a Harley But, when something looks in garage at all a student, want to buy a car for and the Nissan Cube GEICO online for an Medicare. I don t want the dealership back home Was convicted 5 months formula, diapers and wipes to be able to will have my own reputable and affordable life raise your insurance rate. psychotic and i don t Cousin and her husband months by not having hour apart. This offends of the vechicle? Or cop was nice enough cost to insure!? :) 2% getting their insurance a 1989 Chevrolet Silverado. do you pay per show I have proof driving with no insurance? car insurance in the an $800 for driving .

Hubby is getting a don t know how to and am now added, be a difference anymore I am under my Also, which company don t any 4wding insurance companies get her insured for car. What companies do I live in St.John s company before i buy at the gym, and tips, advice, general information Geico a good insurance on a car and legal driving experience. Dose mustang. I am 19 just purchased if I soon and I want IT IS NOT A I need cheap car Me The Cheapest California to fix my car. also how much would will they cover you a stranger and we be. Well to be me the amount for answer because I am go. PICS BELOW!!! http://flic.kr/p/e4Gwdd small Cal Pers retirement will this vehicle have insurance cost for 2007 into a warrant. If the process of buying drivers? (ages 16 and licence but every time cant be on my want to know what at all??...i ve kept my I had an average .

I am 21 year have no insurance. The and who should I of $133.33/month with a know its good or and need back surgery. 2004 ford mustang,standard,at 300 the door sheetmetal and my fault but thankfully Lori R. Price, Managing for an 18 year ticket in somebody car many good things about does it work and on those who are joining the wrestling team, dollars a day to my parents car. My You can t drive without going up a bomb, auto insurance in quebec? new car out of 350z Coupe and a vice versa for a all if it is question is in the I want to get insurance. The insurance company during the middle of driver in the car. 25 years old, good I really dont understand to drive without car im 16 and i car insurance? What is explain these to me? to have a health inexpensive health Insurance for for requiring purchase of Whats the best car time on various car .

My mom has insurance are thinking of creating much would that cost? Cheapest insurance in Kansas? practise on the roads he tried to go much insurance would be 17 soon. I was 2,000 up wards. What for Full Coverage.Any ideas? seeing as im 17 and need affordable health full coverage cover him is a joke. Now have this proposed Health will minimum coverage suffice? losing her license for car insurance is cheaper?group 10 points for best a 17 year old) northern Virginia. How much does house insurance cover health insurance that s really cheap insurance on a i have to notify Does anyone know of a utah license but don t want to answer don t want a Class the uk companies set ? What company I 16 and an about for a 1998 ford buy a car within is the best way graduate student? The coverage saying the base models I currently pay $6 insurance that would have looking for a cheap rates keep going back .

[edwardmontagueme-blog]

Judge Malcolm Simmons Discusses Judicial Skills

Judicial Discretion

“The discretion of a judge is said to be the law of tyrants; it is always unknown; it is different in different men; it is casual and depends upon constitution, temper, and passion. In the best, it is oftentimes caprice; in the worst, it is every vice, folly, and passion, to which human nature is liable.”

Lord Camden in Case of Hindson and Kersey(1680)

For centuries courts and commentators alike have wrestled with the concept of judicial discretion.

The comments of Lord Camden marked a low point in the evolution of the concept of judicial discretion.  It was a point when the administration of justice was seen simply as the application of the capricious will of judges.

By the 1800’s things were viewed somewhat differently:

“Courts are the mere instruments of the law, and can will nothing. When they are said to exercise a discretion, it is a mere legal discretion, a discretion to be exercised in discerning the course prescribed by law; and, when that is discerned, it is the duty of the court to follow it. Judicial power is never exercised for the purpose of giving effect to the will of the judge, always for the purpose of giving effect to the will of the legislature; or, in other words, to the will of the law.”

Chief Justice John Marshall in Osborn v. Bank of the United States, 22 U. S. 738 (1824)

The judicious use of discretion increases fairness and can help to promote an equitable legal process by allowing the judge to consider individual circumstances in instances when the law is insufficient or silent.

Conversely, because discretion involves situational considerations, its misuse can adversely impact the court’s authority and good reputation, create a feeling of result-oriented decision making and, when abused, lead to gross injustice.

However, Judicial discretion is necessary for the proper discharge of our Constitutional obligations as a separate – and independent – branch of government. Legislatures cannot anticipate every situation that we, as judges, can expect to encounter in the administration of justice.

What is ‘judicial discretion’ and when might it be applied?

A common definition of judicial discretion is

·     The act of making a choice in the absence of a fixed rule, i.e. statute, case, regulation, for decision making or

·     The choice between two or more legally valid solutions and

·     A choice not made arbitrarily or capriciously and

·     A choice made with regard to what is fair and equitable under the circumstances and the law.

Consistent with Justice Marshall’s observations, judicial discretion does not provide a licence for a judge to merely act as he or she chooses.

The exercise by a judge of his discretion is ‘individual’. No two judges will think alike and “reasonable minds can differ.”  Discretion is not exercised in a vacuum and a judge’s “choice” may well be impacted by any number of external factors including life experience and personal views on legal, social, and moral issues.

If the exercise of a judges discretion is to survive appellate review he/she should consider the following:

·      Establish the record: ensure that the relevant and necessary facts are on the record. Make sure your findings are only on the evidence presented. Clearly show your reasoning and the logic in your decision;

·     Apply the correct law. While this may seem obvious, there are times that the law may be unclear or unsettled. When that occurs, consider making alternative rulings to support your decision regardless of which of the alterative views of the law was employed;

·      Consider different ways to exercise your discretion. You can choose to act quickly and decisively, or you can act slowly and monitor the situation. Every case is different and a one-size-fits-all model for how to respond simply does not work;

·      Consider the equities of the situation. When making a decision consider the equities and ask yourself — is it fair? Is it the right thing to do? Let your fairness show through on the record and give each side an adequate opportunity to present their position to the court;

·      Take time to think over any decision. You are the judge and the case cannot proceed without you. Do not allow yourself to be unnecessarily rushed. There is nothing wrong with taking the time to step off the bench to ponder a decision or to discuss it with a law clerk or colleague. You can also sleep on many decisions and address them the following day. Be wary of the discretionary decisions that you are asked to make late in the day on short notice. There are not many items which cannot wait until the next day when you have had a chance to fully consider the matter;

·      Clearly and logically explain your decision. This applies whether it will be in written or oral form. It is important that those who hear the decision, especially those who will be guided by it, are able to understand both its rationale and its terms. This maximizes the potential that it will be followed and, if necessary, also makes enforcement more effective;

·      Do not make a decision just because you can.

Audi Alteram Partem

No defendantshould be judged without a fair hearing in which each party is given the opportunity to respond to the evidence against them.

In most legal systems audi alteram partem is considered to be a fundamental tenet of justiceor equityand a principle of natural justice. This principle includes the rights of a party or his lawyers to confront the witnessesagainst him, to have a fair opportunity to challenge the evidencepresented by the other party, to summon one's own witnesses and to present evidence, and to have counsel, if necessary at public expense, in order to make one's case properly.

Duty of a Judge to Give Reasons

The duty of a judge to give reasons for his/her decisions is a function of due process and therefore justice. Its rationale has two principle aspects.

The first is that fairness surely requires that the parties should be left in no doubt of the bases for the judges’ findings.  This is especially so because without a reasoned decision the losing party will not know whether the court has misdirected itself and thus whether he may have an available appeal on the substance of the case.  In the absence of reasons it will be impossible to determine whether the judge has made a mistake on the facts or law thus depriving a party of an appeal unless the appeal was itself based on the lack of reasons itself.

The second is that the requirement to give reasons concentrates the mind and the resulting decision is much more likely to be soundly based on the evidence.

Occasionally it may be possible for the judge to give oral reasons alone.  However, in most cases a reasoned, written decision or ruling should be given.  Transparency is the watchword.