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gracebolton · 4 years ago

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Agile Energy Projects in the Marketplace

I’ve been on radio, TV, in print, and sprayed around the internet. Its a bit like the install day back in January, but obviously with a dollar figure attached.

Despite that, there is still a lot of people ready to step up and put the boot into Powerwall, and lithium storage in general. I will never fathom why these parties are against progress, so I don’t read into it too much.

BUT ENOUGH ABOUT THAT…

During that time the world rolled on, and it appears renewable energy, particularly solar hybrid, has been going from strength to strength. One tweet in particular caught my eye, from Noah Smith.

2010: “Solar will never be viable without subsidies!” 2013: “Solar will never be viable without storage!” 2016: https://t.co/LHvPC2IVyw

— Noah Smith (@Noahpinion) August 10, 2016

The Telegraph article linked by that tweet, written by Ambrose Evans-Pritchard, is an interesting discussion on battery storage as it affects the landscape. It is also a bit of a dig at the Hinkley Point nuclear project in England.

I wrote something previously on Nuclear Power, so without a re-hash I will reiterate: I AM NOT ANTI-NUCLEAR. However, I did point out there are significant financial hurdles to overcome in Australia. Leaving aside the social issues, that is.

Three paragraphs in the article from Evans-Pritchard got me thinking.

Perhaps the Hinkley project still made sense in 2013 before the collapse in global energy prices and before the latest leap forward in renewable technology. It is madness today.

The latest report by the National Audit Office shows that the estimated subsidy for these two reactors has already jumped from £6bn to near £30bn. Hinkley Point locks Britain into a strike price of £92.50 per megawatt hour – adjusted for inflation, already £97 – and that is guaranteed for 35 years.

That is double the current market price of electricity. The NAO’s figures show that solar will be nearer £60 per megawatt hour by 2025. Dong Energy has already agreed to an offshore wind contract in Holland at less than £75.

Those are some pretty compelling numbers, but the reasons why it got me thinking relate to my own work life.

A Short History Of Dwarves

I’ve been an IT guy for a living nearly 20 years now, working mainly in databases where I can help it. I’ve seen almost every tech acronym or buzzword put into practice, sometimes very poorly. Or for the sake of change.

One of the better periods was back in the day, when the technical stuff was held apart. I like the imagery that Neal Stephenson uses in Cryptonomicon – IT guys were like the Dwarves in Tolkein; working away in the dark, hammering out things of beauty like Rings of Power.

The company (Elves) would frolic up to the entrance of the forge, beseeching the Dwarves for a solution. The Dwarves would give a range of timelines and costs, and the Elves would pick one. We’d go into the forge, create what they wanted, and the land was content.

With advances in technology, and the hunger for globalisation, things needed to move faster. Thus, “Agile” was born as the new way to do things.

Credit www.dilbert.com

Generally speaking, the move to Agile is positive from my point of view. It seeks to guide the Good Ship Project through the icebergs as each one appears, not assert a course from Day 1 and expect no issues with implementation at all.

As long as Agile is implemented the right way, it can do good things.

There is a caveat though, and the seed of this started with smart devices in my opinion. If we’re ever having a beer, talking shop, I’d pinpoint smart devices as disruptive in more than just a good way.

Now non-technical people see an awesome app for $1.99 and wonder why projects still cost millions. As a result, they demand more.

Agile has collided with this belief that speed of delivery, and convenience, is cheap. Non-technical people don’t necessarily understand the systems. They’re trying to tell the developer how to do their job down to the finest detail. That isn’t actually helpful.

Dear Managers: right now, there IT guys reading this, and nodding their heads. Maybe muttering. Likely, swear words and dark thoughts are being countenanced.

Agile Energy Projects

One thing that holds true of IT projects, energy infrastructure, and pretty much anything down to a backyard deck, is the Quality Triangle.

If you are going to implement or change the project in terms of finances, timeline, or scope/size, then you have to accept it will affect the quality of the outcome. Aiming for all three is purely theoretical, in my opinion.

As with the recent Census Fail incident in Australia, sometimes it doesn’t matter how many resources you throw at a project, or how long it runs. The excreta hits the rotary ventilator, and its time to put out fires.

Hinkley Point C is subject to some base requirements, but the main one is the generation of 3200 MWe from a nuclear reactor. Not the biggest in the world but still a mighty undertaking.

Once you’ve decided it will generate that much, you’ve set your course. A prescribed amount of effort, human resources, and other elements must go into it. Critically, the reactors will be of a certain size and type, and you’ll pay the capital cost of that regardless.

If you encounter cost overruns or other issues, generally speaking you just have to suck it up, as per the article:

… the estimated subsidy for these two reactors has already jumped from £6bn to near £30bn. Hinkley Point locks Britain into a strike price of £92.50 per megawatt hour – adjusted for inflation, already £97 – and that is guaranteed for 35 years.

In Australian terms, that is $160 / MWh, which is frankly ridiculous.

All of this points to the fault lines emerging in “baseload” power argument. Not only is “base” power a myth, but the agility of these big power generation units is practically nonexistent from conception through to decommission.

As Hinkley Point C, and Finland’s Olkiluoto construction debacles show, centralised nuclear power might be green, but it isn’t necessarily going to stand the test of time, economically.

Smart Advantage of Renewables

Technologies I have seen work, or worked with directly show us that agility is the biggest factor in any tech marketplace today.

And let’s not kid ourselves: energy delivery is now a technology field. This is particularly true of renewable energy, which eschews the old school sledgehammer approach to power generation, in favour of smarts.

Smart use of power, smart direction of power, are going to be the big players moving forward. It starts with domestic applications, such as Tesla Powerwall, and smart management to deliver benefits for the home owner.

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Beyond serving one household, it has the potential (and in some ways, the obligation), to serve the wider community.

This is achieved by using the battery as a trading platform. Benefits abound for the network willing to engage with customers, as I discussed in May. Reduced overall costs and waste benefit everyone in the longer term.

This move toward smarter storage also helps address the business sector. The power needs there are large, and despite being mainly during the day, will not going to tolerate the intermittent fluctuations of solar PV and wind.

Storage using batteries is one leg of the argument, across a various range of chemical makeups. Energy storage like pumped hydro can also assist deliver stable power on a larger scale. The big one for Australia should probably be molten salt reactors, particularly for South Australia, which has suffered issues recently.

Certain industries have scope for change today. Heavy transport, and transport in general, is already under the microscope in nations like Sweden, where they seek further reduction in carbon emissions.

Electric Vehicles take carbon off our roads and out of the manufacturing process through a simpler template of construction. If you don’t believe that, think about the amount of metal required to build a drive train for a petrol engine, versus an EV’s battery & motors setup.

How do we address the remaining heavy industry players, and areas outside domestic power supply that aren’t easily converted to renewable technologies?

Scale Advantage of Renewables

Critics of renewable energy sources often derisively quote land area required for building large-scale generation. Regardless of whether its wind, solar PV, pumped hydro, molten salt, or another method, a “farm” for renewable power will take space, that is true.

Nyngan Solar farm, Australia. Credit: Solar Sunwerx

Renewable energy projects are much simpler to implement from an engineering point of view, compared to a nuclear reactor. They are also more flexible.

A nuclear plant, once scoped, has very little opportunity for changing the Quality Triangle. It also isn’t going to get much more efficient if you delay implementation, because the technology is largely static.

Manufacturing issue with your solar PV arrays? Let’s just get less panels for now. They’ll be cheaper later on, or more efficient, anyway.

Dispute over one of your wind turbines? Fine: proceed with the rest of the farm until the outcome is known.

These are two examples (there are more) where the scalability of renewable energy creates a huge advantage. The unit size of a wind turbine, or a solar array, is in no way limiting for people who know how to implement them.

Pumped hydro and molten salt reactors are similar to traditional power stations, in that their capacity is roughly determined at time of construction. The key difference is they are primarily storage, over and above being generation.

They don’t need to be on all the time, only engaged when other resources are running low, or as demand spikes. This is another advantage over “baseload” coal or nuclear, which cannot uplift to address demand spiking.

Only gas-fired stations have this ability at the moment. The surging price for gas, as well as its status as a fossil fuel, renders it a short-term option at best.

The Paradigm Shift

You cannot simply build a traditional network and throw more and more renewables at it until you reach a very high number.

Coal in Australia has been built to over-capacity, resulting in wasted capital expenditure, and poorly managed outcomes. Witness the issues South Australia has at the moment, because of short-term thinking around renewable energy integration.

We need “smart” implementation of renewable energy projects. Flexibility must remain a core tenet of implementing this intelligence.

As Evans-Pritchard covers in his article, there are many storage options in development across the world right now. We’re in a period of real transition where more options will blow the marketplace right open.

This requires the right thinking, to engage renewable sources on a far larger scale, holding hands with storage options of all kinds. Markets will shift rapidly. Consumer needs, particularly in the developing world, will have no need, and no money, for sledgehammer tactics like “baseload” power.

Projects designed for even 30-year life cycles will find themselves at risk of rejection. It will be simply uneconomical to support such inflexible systems.

With the right people at the wheel, concerns over our energy needs, and the perceived shortcomings of renewable energy, needn’t be a concern.

from https://www.sustainablefuturegroup.com.au/53/agile-energy-projects-in-the-marketplace/ from https://sustainablfutg.tumblr.com/post/628305065858482176 from https://gracebolton.blogspot.com/2020/09/agile-energy-projects-in-marketplace.html

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ladystylestores · 5 years ago

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Sony WH-CH710N wireless noise-canceling headphones review

The Sony WH-CH710N are a relatively affordable pair of noise-canceling headphones. They are the successor to the CH700N, which we quite liked when we reviewed them two years ago. The CH710N continue the tradition of offering active noise-canceling at more reasonable pricing while also having a solid battery life.

Design

The design of the new CH710N is made to be more in line with the recent 2019-2020 Sony headphones. This means a more uniform and, frankly, a boring exterior that is just a single material, color, and texture used for the entirety of the headphone frame and earcups. The use of plastic here is also not particularly high quality, with a smooth matte texture that looks and feels a bit cheap. The headphones are also quite light, which further adds to the feeling of cheapness.

The CH710N offers a limited range of motion. You can adjust the headband height and the cups swivel back so you can place them flat on your chest when not in use but they don’t collapse inwards to make them easy to carry. There’s also no carry bag or case provided in the box.

The bottom edges of the earcups house all the buttons and ports. The right earcup has controls to adjust the volume and playback, along with a button that toggles between noise canceling and ambient sound modes. On the left ear cup are the power/pairing button, USB-C port for charging, and an audio jack for using in wired mode.

The overall build quality of the headphones is fine, even if they look and feel a bit cheap. They are unlikely to break easily but at the same time, I wouldn’t be too rough with them.

Comfort

The CH710N are quite average in terms of comfort. The main issue here is with the earpads, which are neither plush nor particularly deep. They create a decent seal around your ears but the lack of depth means my ears were constantly touching the inside of the speaker grille. They are broad enough to accommodate wider ears but I just wish they were deep enough.

The headband also has only a barely sufficient amount of padding on them and the choice of material once again is quite mediocre.

Being noise-canceling headphones, the earcups also allow very little air to move around, making these headphones unsuitable for use in warm weather.

Software and features

The CH710N feature active noise-canceling, which uses microphones on the outside to analyze and cancel out the ambient noise. On these headphones, you have an option to either have noise-canceling either fully on or off. There’s also an ambient mode that lets you listen to your surroundings by piping in certain frequencies through the speakers while still reducing some of the noise. This is great for when you want to hear someone around you, listen to an announcement at the airport or train station, or while walking on the street.

What these headphones don’t have is support for the Sony Headphones Connect app. Without this app, there is no way to dial in the exact amount of noise-canceling or control other features like EQ and other audio effects. You also can’t upgrade the software on these headphones.

The CH710N support Bluetooth 5.0 with NFC. The NFC enables quick and painless pairing on compatible Android phones. The CH710N lacks support for any of the fancy codecs and you get just SBC and AAC support here.

Noise-canceling

The CH710N are active noise-canceling headphones. They have two microphones on the outside that constantly monitor ambient sound and feed it into the system that then works to cancel it.

The noise-canceling performance on the CH710N is pretty underwhelming. It does reduce some of the noise but there’s still a fair bit that seeps through. This is admittedly the norm for noise-canceling headphones in this price range. If you need good noise-canceling performance, you are looking at spending at least twice as much. These should be fine for daily commutes but not for long haul flights.

Performance

The CH710N are a decent sounding pair of headphones. The sound is slightly bass-forward but with reduced emphasis on the mids and highs, resulting in a dark and somewhat muddy sound.

The low-end of these headphones has a small but notable boost, which results in a generally warm and punchy sound. The level of bass here can be quite enjoyable as it has just enough heft and slam without being overwhelmed by it like with the Sony Extra Bass headphones. The small amount of bass boost complements most genres well without getting in your way.

The mid-range performance is a bit of a mixed bag. The bottom end of the mid-range is a bit on the heavier side and as we go up the frequency spectrum it dials back a fair bit. This gives vocals a heavy, indistinct quality. Male voices in particular sound heavier than they should while female voices sound less focused. Listening to podcasts on these made me want some sort of EQ, which most podcast apps don’t have.

The high-end is where the sound completely fizzles and loses energy. The descent starts somewhere in the mid-range itself and by the time we get to the high-end of the audio spectrum we are a fair bit down from where we should be. There’s just no nuance or definition to high-frequency sounds and everything is just dull and lifeless. Instruments lose their sparkle and energy and some of the vocals also sound cloudy and distant.

This sort of sound can be fine for someone who prefers a more laidback, warm sound. It can smooth out an overly bright track and make it less fatiguing but that’s not a trick you want to apply to every piece of music. The good thing is that it is fairly easy to EQ these headphones to sound more balanced. You can’t magically add detail that’s missing but you can easily brighten up the sound and add more high-end energy. The CH710N also work fine if all you want to do is watch videos or movies with them, as the drawbacks that apply to music aren’t as bothersome here.

The CH710N have good imaging performance. The soundstage is average considering these are closed-back headphones and it feels further congested due to the restricted high-end but it’s also not particularly narrow or hemmed-in.

The microphone performance is mediocre. The voice sounds compressed and robotic with a slightly nasal tone to it. It’s okay for voice calls the people I called didn’t have any complaints but not for things like voice recordings.

The CH710N also has acceptable latency for most use cases. Listening to music was fine but even watching videos and movies didn’t pose any problem. Even casual gaming was fine. The issue mostly is with more competitive games where the latency could be an issue. There was a noticeable delay in the sound of the gunshots after tapping the button on Fortnite when paired with a OnePlus 8 Pro.

Battery

The CH710N have a rated battery life of 35 hours, a pretty generous figure. Sony also claims an hour of use after just 10-minutes of charge.

We set the headphones to loop our usual test track at a comfortably high volume. I was expecting the headphones to reach about the rated figure, perhaps a bit less. But I was not ready for what was about to happen.

Not only did the CH710N completely blow past the rated 35-hour battery life figure, but they also went on for a staggering 52 hours. At first, I assumed the noise-canceling may be off, but that wasn’t the case. The headphones just went on for 52 hours and had that not been the case, this review would have been published a day early.

Something similar happened when testing Sony’s 60 minutes usage with a 10-minute charge claim. The CH710N went on for 2 and a half hours with just 10 minutes of charge. Once again, the noise-canceling was enabled.

It’s not clear what’s happening here; I’ve seen headphones occasionally last longer than the manufacturer specified figure. After all, we don’t have the same methodology to test battery endurance as the companies that make these headphones. But an increase of nearly 50% is unprecedented. It’s possible the battery consumption changes based on the ambient noise and admittedly, I didn’t exactly run these headphones next to a busy street. Whatever the case may be, it seems the CH710N will comfortably reach the manufacturer specified figure and perhaps even longer based on your use.

The only thing that sours the experience for me is the time it takes to charge these headphones. Seven hours is the figure quoted by Sony and it does take that long if you want to charge them completely from flat. This is an overnight activity unless you want to spend your entire day watching your headphones charge.

Conclusion

At $130, the Sony WH-CH710N are unfortunately a fairly underwhelming pair of headphones. The build quality is a bit cheap and they aren’t the most comfortable. The sound quality is mediocre and so is the noise-canceling. They aren’t terrible at anything but there’s also not much that particularly stands out. The only thing these headphones excel at is battery life, but even that is slightly offset by the ridiculously long charging time.

I also think the CH710N are quite a downgrade over their predecessor. The CH700N were better designed and built, more comfortable, had better sound quality and they did all that for the same price. They’ll be discontinued eventually but are a better purchase over the CH710N while you can still buy them.

That leaves the CH710N in a tough spot. Perhaps you are someone who only really needs a long battery life or maybe just adequate if not exceptional noise-canceling while catching up on your favorite TV shows during your daily commute. In that case, you can be reasonably happy with these headphones, especially since they aren’t necessarily bad in any way. But I had high hopes for the successor to the CH700N and the CH710N failed to deliver.

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yourcertainstudentlight-blog · 7 years ago

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My mom is 58 years old and lives in California. I needed a plan where if there's any hospital bills or chemotherapy that needs to be done and it exceeds $100,000......I want the insurance company to pay for everything. https://www.healthinsurance.com/hi/web/health/ind/PlanDetails.aspx Also, can an insurance company suddenly cut someone if they are really sick and in the process of recovery? Does anyone know of a better health plan I should get for her? Thanks so much in advance.""

About how much will motorcycle insurance cost me?

i am 18 and have been driving for around 1 and a half years (car) and would like to get a motorcycle, i've never missed a payment, have never been in an accident, and have taken the msf course my first bike will most likely be a used kawasaki vulcan 500cc or a used yamaha vstar 650cc""

Auto insurance without driver license?

Does anyone know of any insurance company operating in TEXAS that provides minimum liability insurance to drivers without a driver license? This includes a driver license from any US state, territory or other country. Before I get the ignorant answers about how no company does this, I know that some have and still may, and I know the rates would be very high.""

Would insurance be high on an impala ss?

I'm 18, I have a safe driving record (so far), I've completed driving school as well as defensive driving (it gives me a discount), if it helps. I'm thinking about buying an impala ss. I can afford it as far as the payments go, and my parents have agreed to pay the insurance if it's reasonable . So what am I looking at, guys?""

How is the aca affordable? Recipients have a 12k deductible before they are coverd by insurance.?

Car insurance at 17. help needed?

Am 17 and just passed my test :), I was looking at the three following cars: - Renault Clio (1.2) - Vauxhall Corsa (1.2) - Peugeot 206 (1.1) All post 2000 pre 2003. Which insurance company is cheapest at my age and can anyone give me rough evaluations on how much it cost them/ would cost? Thanks.""

Explain which is better to invest in insurance or mutual funds?

Am I too young to have life insurance?

The reason why I am asking this question is because some people have told me that I am too young to have life insurance. I am 22 years old getting ready to get married next month and my fiance and I have a 18 month old. I also work full-time making a comfortable salary and I am also in school part-time. I am the breadwinner because my fiance is in medical school. I am looking to save for the long run and cut expenses where I can. I currently have a 401-k where my employer matches me 6%. I currently pay 50 a month for a 400k policy and also have a policy through my employer which is free. I was told that 50 a month for my life insurance is a good price because of my age and could be higher if I smoked and were older. I just need some advice guys

Getting my license in April. Good cars w/ low insurance rates?

I like cars like the Scion tC, Mitsubishi Lancer, ect. Sports cars, but not super nice ones. I'm getting my license in April and will get a car shortly after. I want to get a car like the ones above, but I don't think my dad will want to pay a lot for insurance, but I don't want to get a Jeep, which is what he got my brother and sister since the insurance is low. What are some cars like these that also have good rates for insurance? Price range is any thing lower than $10k.""

What car insurance companies dont base quotes on youngest driver on policy?

i genuinely want to be added on my parents car policy just for occasional use, i am 17 and all the quotes i have got are still riddiculously priced as insurance companies base prices on youngest driver on policy even if they are additional driver""

I am a male with a 2003 ford focus with 47000 miles I also live in PA what would be the cheapest car insurance

How can I apply for Insurance???

Is there a site where i can go and Apply for Insurance??? Is there another way to do it?? Thanks that would be great.

""I'm 18, just got my first car and looking for affordable car insurance?

- I live in New York - I can't go under on neither of my parents policy.

If i bought a cheap non running car on craigslist do i need to get insurance on it?

if i bought like a $600 car on craigslist that is not running, And would like to work on it to make it run. Do i have to get insurance on it, or any kind of monthly fee, while i work on it to restore it.""

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How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

What does an insurance broker do?

Do I need public liability Insurance ?

We are starting a service that matches companies to website designers. Its an online service. Theoretically there could be issue between the companies meeting through our service. Would we require some sort of public liability insurance to cover us for such issues ? or maybe some other sort of insurance.? regards Ashley

How many years no claims bonus does it take for your car insurance quote to be at its minimum?

For example, If I were to insure an Audi RS4 which costs around 48,000 - which group would this be in?? etc...""

Dallas cheapest auto insurances?

I just moved to Dallas and looking for a good auto insurance. Thanks

Does anyone know of good Health Insurance?

I have Blue Cross HMO, and it really hasnt worked for me. I need surgery on my knee and i've been waiting for 2 months to get it done, thanks to the fact that my insurance requires me to see a general doctor first (who makes u wait for like a month for an appt for a simple referral) then get another appointment for a specialist (wait another month) then wait 3 weeks again for an MRI, and now i have to wait another week and a half for surgery. Please, help me find a good insurance. I'm tired of this! I live in southern california if that helps. Thanks""

Cheapest car insurance? Does anyone know?

Paying no mind to the jibber jabber they say on TV what car insurance do you know is cheap?

How much do you pay for Manitoba car insurance?

How much would an 18 year old male pay for car insurance? If you are that age or around there please tell me your age and what car you drive. I was interested in comparing w/ Manitoba because I live in Ontario and apparently my dad told me its 1000-1500 dollars a year!

How much will car insurance cost?

I am 19 and got taken off my parents policy because I had to at fault accidents. I am a female college freshman who would be driving a 1996 Honda Accord. About how much Should I expect to pay for auto insurance? I just want basic coverage. Also I have had my license for about 2 and a half years.

Keep until expires or cancel car insurance?

My car has broken down for the last time. It is very old (1998) and very high mileage. I am deciding to sell it for parts and what I can get rather than sink any more money into it. Point of negative returns. I will be going carless for some time, taking the bus and using a car share program. That is just background though. Hoping to save the money, pay off other things and raise credit score to possibly qualify for a brand new one in the future. My question is about the auto insurance. I just renewed at the beginning of the year. So I have about 4 months left before the policy is done. I am making monthly payments. If I cancel now, will I still owe them for the entire policy amount - (can they come after me for it?) Or does it look better (when I go to get insurance in the future) that I keep paying on the policy until it expires in a few month (just not renew at that time). I don't want to spend money needlessly. However, I also want the best (least expensive) insurance rates when I need it in the future, and a good track record. Can anyone (especially if you are in the insurance industry) give me the straight scoop? Thanks and much appreciated.""

What health insurances would my sister and I qualify for in NY?

My sister and I are in our mid 20s. We both work and she lives with me at my apartment. i was curious if we could get cheap health insurance as a group. medicaid? or some plan that we could both pay into to get check ups and health care. we dont make much money. i qualified for healthy NY but never went through with it. Im waiting to see if i get a new job but sofar no good. I really dont know how the healthcare system works. we cant afford trips to the ER anymore for minor problems. I need to know what documents and proofs that we may need in order to apply for anyplan. i just dont know where to look or begin. Im talking at least 3 check ups a year each. Are there even plans for 2 people? thanks any info would be greatly appreciated!

16 Year old Illinois Insurance Rates?

Im 16 now, and i may be buying a truck soon. Its a 1994 Ford f-150. Im trying to find where the cheapest rates are. I only want liability insurance because im short on $$$$$. Im not doing so hot in school so that will raise my rates a bit, but what would be my best bet and finding insurance?""

What was your first motorcycle insurance quote in California?

I just have received two; Progressive:1,071 plus per year full coverage and geico: 5041 I was given a quote at a dealership once for 550 for full coverage with progressive, don't know if they just wanted me to leave with the bike the same day or if it was the real deal, back then though I didn't have a license, I also have passed the MSF BRC1. what should I be expecting?""

Any life insurance policies for someone who is 84?

Why would they insure that age, you ask. I dunno. Do they?""

Should I notify my car insurance company if I paid for the fix myself?

I had a minor car accident in a Costco parking lot last weekend. I was backing out my parking lot; the other guy was also backing out. Unfortunately, we didn't see each other... Anyway, this seems to be a 50-50 accident. The damage to the cars are moderate and we agreed on just fixing ourselves. So no personal information was exchanged. I got an estimate today. The cost for fixing my car is not cheap but still lower than the minimal requirement for accident reporting in California. It is also lower than my insurance deductible. So I plan neither to report to DMV nor to file a claim. But one friend of mine suggested that in this case, I should still notify (but not to file a claim to) my insurance company. His argument is that the other party can still come back and sue me (if he is a freak). While we didn't exchange information, the other party may have remembered my license plate number so theoretically he could find out all other information about me. But I am not sure if notifying the insurance company will affect my premiums. What do you think?""

I have a question about my insurance for...?

ok i am 16 years old...17 in September and i am wanting a motorcycle sometime before i go to college...i have farm bureau insurance and i've not had a wreck before...so what would my insurance cost me to be driving a motorcycle at the age of 17 with no wrecks or tickets or anything?

Health insurance from a broker?

HI, I need to take out a health insurance policy for myself because my work doesn't offer any. I called a local insurance broker who offers that service in addition to others like life, business, etc. My question is, is there any negative reason to buy from him verses going online and buying a policy by myself? I think I'd get more info from a broker right? Thanks""

How does a first time car buyer get insurance?

I'm thinking about getting a car, used most likely. The question is how do I go about getting car insurance, I'm a first time car buyer btw? Do I need it before I buy the car? Am I able to buy it with the car? How would I go about getting car insurance? Thanks""

What liability limits should I apply to my auto insurance?

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

What is the average of insurance cost for a 19 year old?

I've been looking around online to research costs and from what I've seen it averages around $150. $200 at the worst. But my mom tells me I have to pay $440 dollars? Like wtf. Even four of my friends, who are still 18, pay around $170 or so. Is she just bullshitting me? I have never incited any tickets and drove safely when I was 18 and still now at 19. I'm not sure what to say to my mom. I told her about how others are paying wayyyyyyy less. I'm thinking the insurance is just cheating my mom or something. Anyone have any idea what I should do? I remember my mom asking me to give her my transcript to show I have a GPA above 3.0 to lower costs. And now she tells oh it's $440 .. I don't know what's going on. I'm not very well spoken in my native language so there's some issues talking about this.""

What is an average monthly insurance rate for a 16 year old driver?

I want to get ideas for what people pay. I want to know where I can get the cheapest insurance.

Insurance for deceased mother's car?

My mother passed away in January in New Jersey. Car is titled, registered and insured in only her name. Me and my siblings want to sell the car and hope to do within a few weeks. I am the executor of estate. My sister wants to have the title in her name so it's easier to sell but leave the registration and insurance in my mothers name. Is that ok? My only concern is that the car is properly insured.""

Need help ASAP. Is it possible to get retroactive car insurance after a car accident?

I was recently involved in a car accident where I was at fault. The major problem is that at the time it happened my car insurance had been canceled for nonpayment more than 30 days before. Is it possible to pay the premiums that I missed and get retroactive car insurance? I'm trying to avoid a misdemeanor on my record. My insurance company is State Farm, and after the accident I immediately called them and had my insurance reinstated. I also told them about the accident. Please, I need help ASAP.""

What is the average auto insurance increase with one DWI?

Would you let someone ride in your car who didn't have health insurance?

Would you let someone (maybe your friend or someone you know) ride in your car who didn't have health insurance?

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Where do I find the group number on All kids family healthcare insurance card?

Hello, I'm filling out a student medical form for school, and it asks me for my insurance company's group number. I have All Kids healthcare insurance. Can anyone tell me where is it located?""

Owning a car? car insurance?

Hi, I'm 18 and im living by myself, how can I own a car? I'm in the search of buying a car but before that I need to know after I buy it what do I need to pay when I registrate it under my name. Also when I get insurance? How much do I pay?""

Health Care/Insurance...Right or Responsibility?

I see many on both sides have their own opinion on this issue. Many on the right claim it's a 'responsibility' while several on the left think it should be a 'right'. Why do you ...show more

Insurance Help Please?

I got a letter today saying that my health insurance is about to be canceled. I have been on my mom's insurance forever. She is disabled and can not work so it was a state funded program. (Tenncare) I am too old to stay under hers anymore so I applied myself. Here are my qualifications . I am 19 and a full time college student. I have a part time job and make about 500-600 a month. My total monthly bills are about 450 (not counting gas and food). I am having to depend on my family to even survive right now. I don't understand why I was denied health insurance when I basically make negative money a month? I am really worried because I just found out I have PCOS with a large cyst on my right ovary and I may have to have surgery soon. I am going to the doctor at least once a month to track the growth of the cyst. I honestly can not afford my own health insurance. Is there anything I can do? Also the place I work does not offer health insurance. Thanks in advance.

Subaru Impreza 2.5 for 17 year old?

I was thinking of getting Subaru Impreza 2.5 2007, but I wonder how much the insurance would be per month? I spoke to my parents already, they did agree as long as I'll pay. My step-father works in car service so he could do all the checks/tests or whatever it is called. I am in love with that car from ages, don't want anything else.""

Does insurance go up for out of state speeding ticket?

I hae a New York drivers license, i was pulled over going 45 in a 30.....$150 ticket....................i looked it up and i know i do not get points on my record, but does my insurance go up? does anyone knoow and have a good source they can provide? Thanks""

Help!Do you know about Nation Wide Insurance in France?

I have a class project about Nation Wide Insurance....If you know anything or any sites to look at please help.

How does car insurance work?

im sure this is a really dumb question, but dont know the first thing about car insurance. I'll be 19 next month & i'm going to get my license before this month is over. I've had my permit for almost 2 yrs now & just been waiting to get money saved up for a car & insurance. I'd like an SUV but i've heard that it costs more to have insurance on an SUV? is this true? Are there any specific cars that are better [meaning less expensive] to get insurance on?""

Can I register my car without insurance in Utah?

my registeration on my car lapsed in april, I do not drive the car but in Utah you can not even park it out on the street without it being registered. so I was wondering since some of my neighbors are wanting my parking spot since they are moving in can I just register my car since I have enough money to get it registered but I do not want to pay the monthly insurance on it since I am not driving it I am just holding on to it until my daughter turns of age to take it.... thanks.....""

What's the cheapest full coverage Insurance?

I want to buy a car from carmart but I need full coverage insurance it's a 06 Chevy silverado...I'm 22 I've never been in a accident or had a ticket around what will insurance cost???

Know of a good Car Insurance place in LA anyone?

Where can i Find a Good Car insurance place in LA, CA? Looking only of liability insurance. But Cheap!!""

Car insurance quotes?

About how much would car insurance cost for 16 year old teenage driver in florida. The car would possibly be a 2005 convertible.

Cost of insurance for a 16 year old?

I am turning 16 in may and i can't wait to get my license but i am also starting to think about insurance. It is going to be sooooo much. I have a '85 corvette but my dad told me they have to insure me with the most expensive car they own. This would be a 2002 F250. I was wondering which one would be cheaper and about how much? I was thinking around 200-300$ a month but i have no idea? and how much difference would it be between the car and the truck? please help?

Classic car insurance in ireland?

iv a sports car that will be 20yrs old next yr,its not my main car so mileage kept low,insurance and tax is high , so i was looking into classic insurance,part of qualifying for classic insurance is i have to be registered with a classic car club,does any1 know of one that would suit that's not limited to a particular make of car or air-cooled in ireland thanks""

I have a car insurance question.?

about how much would it cost for a 16 year old boy in california todrive a 2004 silverado access cab? please give me a quote and not a website.

Is the car insurance company right?

I was in my first EVER car accident and it was my fault. I was driving my fiancs car and I wasnt on his insurance, his insurance company said that they wouldnt cover his car because I wasnt on the insurance but they covered the other car and that was the last of it until 6 months later we buy a new car and cancel that insurance and get new insurance for both cars and we added me on it. A few weeks later we get a phone call from the old car insurance company saying we need to pay them back for the other car which was close to 8,000 bucks we asked them why we are just now hearing about this we were never not once told we would have to pay anything and 6 months later you call us and tell us to pay you 8 grand all they had to say was sorry you werent contacted sooner they said they mailed us stuff but we didnt get anything. They mailed us a letter saying what they policy was saying that the reason we have to pay them is because it was a MATERIAL MISS REPRESENTATION we thought something isnt right so we took it to a lawyer and he said it cant be a material mss representation because that mean they wouldnt have covered me if I were on the policy which isnt true because my driving record was PERFECT not one thing wrong with it. They lawyer want 3 grand up front to fight it but we dont know what to do. Is the insurance company right?""

How much does car insurance cost for a new teenage driver being added to a parent's policy?

Right now I am in the process of getting a new car. I'm 18 years old. My mom wanted to add me to her policy, but she wants to get an idea of how much it would cost first. We live in Arizona. Her car insurance now through 21st century is only $60 per month. The car I would be getting is a 2010 ford fusion sport. And, I have an average gpa at school of over 3.0. Can anyone help me?""

What kind of car has cheap insurance?

How much is too much for insurance?

Hello. i own a 300zx twin turbo, i have modified it my self with some stuff.. but thats not importent right now. my question is that the cheapest insurance i can get for it with full coverage is around 250 a month..Im willing to pay for it, just because i love everything about this car.. but to my self i think its far too much. im 19 years old, and i was wondering what kinda stuff brings down the amount i would have to pay for insurance? ( i got my license when i was 18, ive had it for about a year now) thanks.""

I got two no proof of insurance tickets?

I got two and Have court for one on the 26th of Sep and the other on the 29th two different vehicles what will happen also when I got my second ticket I got it for speeding... What can I do I have proof of insurance but it is on a different vehicle is there any way I can say I was on my way to changing my insurance to the car I was driving.. I LIVE IN CALIFORNIA IM 19 years old PLEASE HELP ME IM TURNING 20 on the 28th of August

What is the difference between whole and term life insurance?

Which one is better to provide for your families needs if something happed to you?

Can any body give me the defination of national health insurance?

I want the defination of national health insurance, benefit, coverage and objectives of national health insurance. plz quick.""

""In India, which company offers cheap insurance price for car ins. and bike ins.? Thank u in advance.?""

In India, which company offers cheap insurance price for car ins. and bike ins.? Thank u in advance.""

Ford mustang insurance for a 17 year old?

I wanna buy a 88-93 mustang 5.0 could I save insurance by putting it in my parents name? How does that work because if it's in my name it's gonna be pretty high.

I'm trying to get rental insurance?

I'm getting rental insurance well trying to but I had a doubt my Heath insurance is in my mothers name and not mine so she pays it so say I get rental insurance under my name would it mess up or even kick me off her insurance plan if I did get the insurance in my name

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