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jesusvasser · 6 years ago

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PSA’s Free2Move Aims to Offer Total Mobility for One Flat Price

PSA, owner of the Peugeot, Citroen, DS and Opel brands, has just officially unfurled the first consumer-focused step of what it expects to be a 10-year plan with the announcement of its Free2Move program in Washington, D.C. Based around an app, it proposes to offer District residents total mobility at a flat price—from cars and SUVs to electric scooters and bicycles to ride-sharing services like Uber and Lyft—with no charges for parking, gas, or insurance. Signing up is $10 and users may use the app to book with Bird, Capital Bikeshare, car2go, Jump, Lime, Skip, and Uber. Notably, none of Free2Move’s 600 cars in service are PSA products; rather it offers Chevy Cruze compacts and Equinox crossovers. On the eve of the program’s announcement, Larry Dominque, PSA’s senior U.S. executive, formerly of Nissan, and now stationed at PSA’s newly opened offices in Atlanta, spoke with New York bureau chief Jamie Kitman.

AM: So you’re just about to formally announce your new car sharing business. But it’s been soft-launched already?

LD: [Four] weeks ago. We put about a hundred of the cars out on the streets of Washington, D.C. Actually it was around 137. We had put some marketing stuff out there and allowed some hand raisers to register for the system and we gave them promotional access. Because we wanted to make sure that everything is working very, very well from the applications standpoint, how you book it, how you find the cars, to the registration process, to the back end, which is our operational side of our business. To make sure that the company we hire that’s cleaning and staging the vehicles, that that is working well.

So we wanted to do a little bit of a beta, in software terms, to try out the system and by giving people free minutes to try this out. Fortunately we haven’t had any glitches, but had you had any, put it this way, you’re a little more forgiving if someone gave you a free dinner [and there was a problem] then if somebody made you pay for the dinner.

We wanted to test everything out because everything we’re trying to do in North America is related to high customer satisfaction. Everything we want to do must be done with quality. I didn’t want to launch anything in scale until I had confidence that everything was going to be working perfectly.

AM: How soon do you see yourself expanding into other cities?

LD: Great question. One of the things that my CEO (Carlos Tavares) believes in is profitability. He likes margin, and he likes managing frugally and with high agility. He loves using words like “robust execution,” “focus,” things like that. So we’ve looked at what other car-sharing businesses have done. Enterprise has bought into cities, and gone out of cities; car2go has bought into a lot of cities, and they lost 60 million dollars in the U.S. last year.

Washington D.C. is a fairly high cost city to do this, everything from the parking permits to insurance to parking; it costs a lot operating in this city. So what our team has done is set up a very lean operation. I’m very confident it will turn around to profitability pretty quickly. We made the choice of D.C. for a reason. We looked at many different cities, we looked at population density, income, openness to mobility and alternative transportation, and we chose D.C. as one of the top cities that we felt was right for mobility services, in particular car-sharing.

So as we operate the business and my team gets a good understanding of the financials and how to operate car-sharing efficiently, we’ll be ready to jump to the next city. We’re already identifying other potential candidate cities [for when] I believe we are mature enough.

AM: What’s structurally different about what you’re attempting?

LD: I think there are several differences. On the experiential side, we believe the front end of our app is better than most, and we’re going to continue to roll out new features. Things that attract loyalty, things that we believe will make the access to the vehicles easier, faster, more reliable, more consistent.

In concert with our Free2Move car-sharing, we’re launching our Free2Move aggregation app as well, which incorporates our car-sharing in it.

AM: What else does Free2Move Aggregation include?

LD: Free2Move Aggregation is an aggregation platform we launched a year ago. It’s more mature in Europe, just because it’s been there three years longer. But it’s an aggregation service where through our multi-provider registration, you can come into our app, you can put in your driver’s license information once and your credit card information once, and you’re registered for any of our partners that are on our system.

So in the city of D.C., as of this week, we have nine discreet programs. Carsharing, bike sharing, scooter sharing, and so on. We’re going to be incorporating ride-hailing soon.

Aggregation is nice in the sense that is gives you access to what we call First-Mile/Last-Mile, so if you want car-sharing, or ride-hailing, you can get it. If you just want an electric scooter to go six or eight blocks, you don’t feel like walking today, we have that available for you as well. And you don’t have to worry about going to half a dozen or a dozen native apps. You can do it all through our app, and all the billing and everything else is taken care of.

Even though they’re a competitor for Free2Move car-sharing, car2go are on our aggregation platform. Primarily because we believe there’s a big enough marketplace out there for everybody to participate.

Also, they run about 75 percent Smart cars and 25 percent Mercedes, so that’s different types of vehicles for different needs. For now, we’re running Chevy Equinoxes and Chevy Cruises in D.C., so we believe we have the right cars, and the right SUV. Nobody else right now offers an [car-sharing] SUV, but we do.

AM: I guess on some simplistic level that’s one of the surprises—that you would be opening with somebody else’s cars, although we can see what the advantages to that might be.

LD: The way I’ve approached this and Carlos approached it with me initially—cause I started out doing some consulting for the group before taking this position—is [based on the fact that he] understands really well there are 42 brands and 430 something models for sale in the United States. Incentives hover around 11 percent [of transaction prices.] Intra-brand competition in some places is worse than inter-brand.

So how do you come into this amazingly large market, and focus on C and D segments, which mean high transaction prices in theory, high profitability, and do it successfully? We discussed this for a long time. And the focus needs to be on being different in everything we do. And that means not just in customer experience, but also how you structure the business and how you invest.

The biggest mistake most companies make is over-investment, and then the moment there’s an initial downturn, their fixed costs are way beyond their revenue, and they’re in deep, deep trouble. We want to avoid that. And how do you avoid that? By planning well and making sure you understand very, very well the trends, the consumers, the behaviors, their wants and desires. How is mobility as a service saving car ownership patterns? What are we seeing geographically? How are alternative power trains manifesting themselves in North America versus other parts of the world?

So while we are in the process of homologating our own vehicles —which we’re already doing, but it takes a few years to do—we’ve made it very clear: we’re going to launch with mobility services, without our cars.

We’ve been very clear saying we’re going to launch without our cars, to learn how to operate the business. Ironically, under [another PSA Free2Move globally, we run a company called Euro Repar [Car Service,] where [our stores are] embedded in PSA dealerships—Peugeot, Citroen, DS, Opel—but we actually have separate companies, we own them, and it’s a separate service facility that repairs Fords and Volkswagen and Toyotas as well. We have Free2Move Lease in Europe which uses, not only our own vehicles, but other brands.

If I have a business, and there’s an opportunity to make a good business case and learn from it, if I need to put GM vehicles in, I’ll put GM vehicles in. I’ll use anybody’s brands. I don’t care as long as they’re the right car for what I’m trying to accomplish. I don’t think we’re ready to actually launch our retail sales. But through everything we’ve learned and the planning we’ve put in place, I think we’re going to be very well positioned.

And I think, just to be very clear, we have no legacy in North America. I have no dealer networks, I have no dealer contracts, I have no service contracts, I have no IT contracts, I literally have a green field opportunity in North America.

AM: Must be exciting. It’s really almost impossible to imagine anyone else having such an open field to run on.

LD: Exactly, and trust me I’ve had lot of calls from my friends and other OEMs saying “Larry, you have an opportunity that we can only dream of.” They can’t tear down what they’ve already got.

AM: PSA actually has in its quiver a lot of brands that we would imagine have quite a bit of good will—Citroen, Peugeot and Opel—in the United States. It raises the question of which brands do you think make the most sense for North America, what does your research tell you?

LD: Some of the most fun I’m having is listening to all the different guessing that’s going on out there in the marketplace. Every time there’s an article in Automotive News and it talks about the brand, people are saying, “Oh it’s gotta be DS, oh no no, it’s gotta be Opel. Oh it’s probably gonna be Peugeot.” Right? So we’re hearing a lot of these different things.

We’ve identified the brand. I know [PSA CEO] Carlos [Tavares] is cryptic, and we’ve been cryptic for a reason. But we’ve done the research; we wanted to understand. We started the research before Opel was part of the family. One of the things we wanted to understand is what is the awareness level? What is the perception of the brands and the company or being French? What does it mean to American consumers and Canadian consumers?

And the great news, to your point, is a lot of people had very positive reactions to a French automaker. They thought it was different. We did static clinics with the vehicles. We did dynamic clinics with the vehicles, including competitors and so forth, and I’m very, very pleased with the response we got from American and Canadian consumers related to all of our brands.

So we don’t start out in negative position in anyway. It’s interesting because if you resurrect another French brand from the past, the response was much more negative.

AM: That would be Renault?

LD: Yeah. And they injured the brand with the Alliance, they had some major market issues with some of those cars, and that still resonates with people in their minds

AM: What do you mean major market issues?

LD: So from our point of view, what I wanted to make sure is, I wanted to understand where our brands resonated, where we had challenges, what opportunities existed, what kind of product challenges existed, or what American sore spots of already existing products. So the great news for me is people are open to us. When you look back 60 years ago when the Japanese came in for the first time in the late ’50s, the cars were basically crap. They were small compared to the U.S. cars, they were underpowered, they rusted easy, and they fixed it. But it took decades for them to fix the issue. The Koreans came in 30 years ago, and also their products were not very good. Today they are.

The great news for me is our products are already globally competitive, and having a great car, we could discuss the styling right, cause everyone’s style is a little bit unique, but having a great car, quality, reliability, safety, is just a cost of entry now. We make good cars. So that’s just the starting point to even have a discussion about coming into the marketplace. And I’m very confident the cars we’re designing with full homologation for North America, with the right specs and features, the right size cup-holders—everyone jokes about cup-holders—the right size cup-holders is going to be there. I’m not worried about that.

But I’m still quiet on the brand because we’re not announcing it yet. Carlos says we’re finalizing a lot of decisions between the end of this year and the beginning of the first quarter of next year, and then we’re going be much more vocal externally after that.

When we’ve identified all the things related to the brand positioning, we know that we have one opportunity to re-enter the North America market successfully. Carlos is very quick to remind me that he and I are old car guys. And he’s only a couple years older than me so we’re in the same generational bucket, right? So we’ve been around this industry for 35, 37 years. We’ve lived through what has grown into the four square reality globally for car dealerships and the relationships between OEMs, consumers, and the dealer marketplace.

So he said let’s think about this as a sustainable business. Let’s step in and never have to step out again. How do we do that? We make sure we don’t over-leverage until we have the brand strength. Let’s focus on customer satisfaction, let’s focus on high margins, let’s not focus on market share. If I’m bringing vehicles over for the time being from Europe, and plants in Europe, they’ll make a marginal contribution to an existing marketplace. Yes we have to invest uniquely to build some products in North America, but for the most part, it’s using existing plants we have, which means I don’t have to pay for a billion dollar plant, divided by every car I sell. You can focus on margin per vehicle sold.

What I sense is very clear externally and internally—you cannot ignore the four key segments, you can’t ignore C-sedan or whatever you want to define as a future sedan.

AM: You mean the way Ford Motor Company is.

LD: I hear you, and look where their stock is.

You need an unique value proposition, and understand, we’re not thinking of the value proposition as merely the vehicle, we’re thinking of our value proposition as the buying process, the sales process, the ownership process, the high end mobility. So we want to develop a new kind of interaction with consumers that a lot of other OEMs just can’t do. We believe that part of our value proposition is not only having great differentiated vehicles, beautiful design, great features, with the right performance, with the right DNA to be French, and to be the brand we’re bringing to the market, but it’s also that whole attached experience to the whole process, and what differentiates us from other brands. …

From a French brand point of view, just being French, I was very pleased to learn [from research, that] a lot of people have some very positive references to make and not just related to Louis Vuitton. People understand fashion and design and innovation come out of France in addition to luxury brands like Louis Vuitton and Hermes and great wine.

So when you associate French autos to American consumers, many of them say based on their other types of associations they think that’s really cool. They’re assuming the vehicles would have a certain kind of flair and uniqueness and design and so forth, but there’s not a negative association.

I would say where there’s a gap, as you can imagine, is in the foundational trust of “okay, I love the way this vehicle looks, I love the way this vehicle drives, I think it would be positioned here or there. But are they safe? Are they reliable? Are they dependable?” Those kinds of questions come up. As with any brand coming into the U.S. market, we have to prove those things to people, otherwise you may not be in their consideration. Because sometimes they’ll say “wow, that’s beautiful,” or “that’s gorgeous,” or “that’s innovative,” and then they’ll say “but I’ve never heard of that brand before.”

If Apple comes out with innovative design, people will flock to it because they trust Apple. If a new brand came out, and even though the design was as beautiful or more beautiful and more simple than Apple, people might still question whether they trust that brand, so we have to build that trust. That exists with any new brand that comes to the United States in any vertical, not just automotive.

Relative to our French brands, as you can imagine, Peugeot and Citroen have a history here in the United States, and people know of them. Older people know them directly through friends, family, themselves. Younger people know some of the brands, or they have an uncle that had a 504 or something like that. But you show them the logos, and many people are aware of the logos. And you can just show them the Peugeot logo, show them the Citroen logo, and a lot of people know what those are. DS is less known, but understand, DS has only been a brand for about five years. And it was never sold here.

AM: What about a portal where you could buy or get all three brands or even four brands, and each of the brands could be represented by a model?

LD: It’s interesting you say that. I used run product buying information on this, and one of the things that’s extremely critical for me, is I know the energy that all the OEMs use and trying to spend time differentiating their own individual brands. How Buicks are different than Cadillacs, how Chevy is different than Buick, how’s Infiniti different than Nissan. And if you’re going to successfully and organically build the brand, you have to focus on that brand, just the single brand. It’s not to say in the future once you’re well established and positioned, you could potentially bring another bra from Performance Junk WP Feed 4 https://ift.tt/2Pp3IVA via IFTTT

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jonathanbelloblog · 6 years ago

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PSA’s Free2Move Aims to Offer Total Mobility for One Flat Price

AM: So you’re just about to formally announce your new car sharing business. But it’s been soft-launched already?

AM: How soon do you see yourself expanding into other cities?

AM: What’s structurally different about what you’re attempting?

In concert with our Free2Move car-sharing, we’re launching our Free2Move aggregation app as well, which incorporates our car-sharing in it.

AM: What else does Free2Move Aggregation include?

So in the city of D.C., as of this week, we have nine discreet programs. Carsharing, bike sharing, scooter sharing, and so on. We’re going to be incorporating ride-hailing soon.

AM: I guess on some simplistic level that’s one of the surprises—that you would be opening with somebody else’s cars, although we can see what the advantages to that might be.

AM: Must be exciting. It’s really almost impossible to imagine anyone else having such an open field to run on.

So we don’t start out in negative position in anyway. It’s interesting because if you resurrect another French brand from the past, the response was much more negative.

AM: That would be Renault?

LD: Yeah. And they injured the brand with the Alliance, they had some major market issues with some of those cars, and that still resonates with people in their minds

AM: What do you mean major market issues?

What I sense is very clear externally and internally—you cannot ignore the four key segments, you can’t ignore C-sedan or whatever you want to define as a future sedan.

AM: You mean the way Ford Motor Company is.

LD: I hear you, and look where their stock is.

AM: What about a portal where you could buy or get all three brands or even four brands, and each of the brands could be represented by a model?

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eddiejpoplar · 6 years ago

Text

PSA’s Free2Move Aims to Offer Total Mobility for One Flat Price

AM: So you’re just about to formally announce your new car sharing business. But it’s been soft-launched already?

AM: How soon do you see yourself expanding into other cities?

AM: What’s structurally different about what you’re attempting?

In concert with our Free2Move car-sharing, we’re launching our Free2Move aggregation app as well, which incorporates our car-sharing in it.

AM: What else does Free2Move Aggregation include?

So in the city of D.C., as of this week, we have nine discreet programs. Carsharing, bike sharing, scooter sharing, and so on. We’re going to be incorporating ride-hailing soon.

AM: I guess on some simplistic level that’s one of the surprises—that you would be opening with somebody else’s cars, although we can see what the advantages to that might be.

AM: Must be exciting. It’s really almost impossible to imagine anyone else having such an open field to run on.

So we don’t start out in negative position in anyway. It’s interesting because if you resurrect another French brand from the past, the response was much more negative.

AM: That would be Renault?

LD: Yeah. And they injured the brand with the Alliance, they had some major market issues with some of those cars, and that still resonates with people in their minds

AM: What do you mean major market issues?

What I sense is very clear externally and internally—you cannot ignore the four key segments, you can’t ignore C-sedan or whatever you want to define as a future sedan.

AM: You mean the way Ford Motor Company is.

LD: I hear you, and look where their stock is.

AM: What about a portal where you could buy or get all three brands or even four brands, and each of the brands could be represented by a model?

#IFTTT #Performance Junk Blogger 6

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fadingpersoncollectorstuff-blog · 7 years ago

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Parents: 300cc motorcycle vs. 600cc motorcycle?

"Parents: 300cc motorcycle vs. 600cc motorcycle?

If you had a 17 year old son and he wanted a motorcycle would it make a difference to you if he started out on a low displacement motorcycle instead of a high displacement motorcycle or would you say no/yes either way.

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im a 17 year old male wanting to get my m1 and buy a 1985 yamaha virago, and i really don't know where i can insure it for cheap because of the year most insurance places in ontario wont insure it, id have the Absolute bare minimum so it would be cheapest. please help""

Good health insurance quotes websites?

Whats a good and reliable website where I can look up health insurance packages and quotes

Is a Pontiac Grand Am considered a sports car?

Want to know if it'll be a higher insurance cost..... Thanks. :3

Can i get motorcycle insurance without a license?

i live in massachusetts and was wondering if i could get insurance without having a motorcycle or car license all i have is a permit but i do not know if i can get insurance thanks

How much will my second speeding ticket make my insurance rates go up?

I received a speeding ticket in January for 90 in a 70 (I-5 on my way down to San Diego), and today I received another ticket for 86 in a 65 on Freeway 85 in Cupertino. The first ticket is being taken care of with traffic school right now, and since I can't go to traffic school again so soon I'm assuming the 2nd ticket will increase my insurance rates. Does anyone know how much they will increase? I'm 21 and am on my parents' insurance (USAA) because I'm in college, but I will be paying whatever the difference in premium is so I'm trying to get an idea of what the damage is here. Also, I know I messed up, so no need to tell me in the answers. I thought I'd learned my lesson after the first ticket but apparently I still haven't, so at this point I'm just afraid to get into a car.""

Premium tax rate on car insurance cancellation?

I want to cancel my insurance policy. I am currently paying monthly with insure to drive. I have had the policy for 3 months and reading the cancellation points it says a 35 cancel fee and premium tax rate. I currently pay 133 pounds a month for insurance if that means anything (totalling 1600 a year)

Is it against the law to drive without insurance?

Been driving for 30years clean here in Canada with know accidents, until I got into my first incident a few years ago, my insurance went up more then doubled!!, The insurance company RBC didn't want to forgive me on my first accident told me I had too wait 6 years, I I feel this is extortion, Im almost tempted to drive with out insurance is this recommended?""

Good question about financed car and insurance.?

I'm insuring two cars and my rate is high. I would like to know, Is it possible to tell my insurance company that my car is no longer finance (even if it still is) so i can switch to a liability coverage and lower my rate. Is my insurance company going contact my finance about detail...""

Does anyone know of an affordable high risk car insurance co. in Calgary Alberta?

Anyone no how to make insurance cheaper for a first time driver?(with out going on parents insurance)?

If I drive a car that has insurance but not in your name in Florida?

If there is a car accident can I get in trouble? Meaning can I get a ticket if someone rear ends me? A friend of mine was in an accident and they were rearended the car owner had insurance would that cover said friend?

Who's best for impreza insurance? i'm 28 with a clean licence?

full comp keeps coming back around 1000, on a 98-2000 wrx""

Can I have military health insurance and Regular Health Insurance?

1.Am I allowed to have both military and normal health insurance? 2. Can I see regular nonmilitary doctors with Military health insurance?

What is pip in insurance?

Car insurance claim but no MOT?

my partner had a crash today and it was totally the other persons fault as my parter was indicating to turn right and some idiot tried to overtake him on the right , hitting his side. the police said not probs its totally the other persons fault and we claim off his insurance not ours but when the police checked the car they discoved the mot ran out a month ago, my partner explained we though we had updated it and they were fine about , prob believed us as we had tax and insurance, they dont worry just tell your insurance about the crash. i know car insurance is not vaild but surely its okay if its only the other person paying out? car in the garage and does not seem to be any probs so far......do you think we will be ok, it really was a genuine over sight""

""How do I obtain cheap, good health insurance in South Carolina?""

I currently live in Conn. but I am moving to SC in the middle of Oct, but I won't have health insurance when I get down there because I am currently on state insurance, which is up at the beginning of Oct. But I really need insurance because I have monthly prescriptions that I need. So does anyone know how I can get insurance just intil I get a job with benefits.""

What is the average cost to own a car in the UK?

If you went for the cheapest car for Insurance, gas mileage, ETC. What is the average cost a month to own a car in England?""

Home insurance?

I am not sure how much home insurance coverage I should have for the house I bought 2 years ago. The cost of the house including the land was $96,000. But that includes the price of the land, etc. I now have to renew the home insurance policy and realized maybe I should reduce the amount of the coverage from $96,000 to around $80,000. The dwelling amount for the insurance has been the price I paid for, $96,000. But if something happens and the house needs to get rebuild, the cost of building should not be as high as $96,000. I currently owe mortgage $70,000. Do you have any recommendation? I do not know if I can ask the insurance agent to reduce the dwelling coverage. But I am hoping a way to save money on the home insurance. Could someone give me an advice? Thank you.""

Parents: 300cc motorcycle vs. 600cc motorcycle?

I need some help with insurance please?

Hey. I'm getting my 'Learners Licence' in the year of 2014. I own a 1984 Datsun/Nissan 300zx turbo. 2 seat, rwd. I live in abbotsford British Colombia and I just wanted to know how much insurance would cost per year with drivers ed. How much it will cost with my L, N and full licence. Thanks.""

Why is motorcycle insurance so expensive?

...for so many people. I see complaints everywhere about sport bike insurance being so crazy. I just bought my first bike, 2 months ago. 1 month after getting my license. I'm 18 years old. My first bike was a 2004 Yamaha R6. I used Progressive online and put in everything accurately, driving history, motorcycle history (0 years), first bike being a 600cc sport bike. And I got quoted 300 dollars a year... bought it in full. Why is it so expensive for others with good history?""

Im a 20 year old male and im thinking about getting my first motorcycle. I need suggestions.?

Like i said im a 20 year old student looking into getting a bike. Most of my friends have them and they tell me how much they enjoy riding so i'd like to take up the hobby and ...show more

""What are good cars for new, young drivers?""

Looking for an automatic transmission for a first car, which isn't too pricey to insure. limit of 6,000, so pre-owned cars are likely to be the kind of thing bought. cars such as VW polo and golf, Peugeot 207 and ford fiesta. so something small, but not as small as toyota iq or aygo.""

Anyone know the best insurance companies for young drivers?

I know obviously insurance for the young is gonna get rocket high anyway compared to older people for the same old 'statistical' reasons as always although I don't intentionally drive like an idiot or least intend never to and I do take safety as a big priority and everything, I've passed my test just over 2 years ago with a clean license but still find insurance even for my micra (1 litre 1994 M Reg) costing me a minimum average of 1000 annually, and just below a grand like 900-950ish is roughly the best I've got for my micra from directline but wondering if anyone would know anyone better cost wise? Also why is there so much discrimination against young/new drivers when its actually only the small minority who take the worse of risks and drive like w*****s making it sky high expensive for the rest of us, I can understand it may be statistic but unless u actualy do drive like a so and so I don't see why 'everyone' should be punished with rip off premiums for the sake of the minority number of idiots""

What is required for a new resident in England (from Canada) to get car insurance?

Moving to England shortly, and it will be so much easier to find work and move into a new place if we have a car first. What information will we need to get insurance? We will be living with friends, so we could use their address and phone number until we get our own place. But will we need a national insurance number before we can get car insurance? British bank account? We'll be getting those things, but it would be so much easier to have the car first. Basically, what is required for us to provide in order to get a car bought, insured, and on the road? (We'll be paying cash.)""

What is the difference between term and whole life insurance?

What is the difference between term and whole life insurance? When is it better to use one versus the other?

LOW car insurance for a 19 year old Male?

I have been looking to buy my first car (1.1-1.4L) but all insurance companies I have checked are really high like 3,000-6,000 per year. Are there any cheap insurers out there and what are they? Please help, I am really wanting a car but the prices of insurance are holding me back :( What are ideal 1st cars (low insurance) ?""

How dos US car insurance work compared to english car insurance?

I'm looking to get a bmw x5 but insurance is 9000k a year like $13000k I heard they do it different so its easier to get bigger cars. In england they don't allow young drivers to get big cars so the insurance is expensive How dos us car insurance work

Cheap reliable cars that have cheap car insurance?

Thank you

Getting car insurance?

hey guys.. i have a question... im getting Gieco car insurance but my mother has the same thing...we both live in the same house but are doing a separate thing...by me getting the same car insurance company with that have any type of affect on hers???please let me know asap..thanks

""About car insurance, pls help?""

okay so heres my story, my dads the only one with auto insurance, mom doesnt drive, and im buying a car soon so if i sign the car under my dads name, does he become primary driver for both cars? or do i become 1 primary driver when im added onto his insurance, or can i be secondary driver with him being signed under both cars? pls help. and how much do you think it would add onto his insurance, im 18 and have my g2, never been insured, and im getting a 2004 acura rsx type s coupe thank you all""

""Cant B on husbands car insurance, he said no cuz dad is on it & he wasnt gonna stop lending his car 2 his fam.""

I would like to be on my husbands car insurance. He said no because his dad is on it and he was not gonna stop lending his car to his family. He would however open a separate account for me. I asked him to stop lending the car he said no, it was his car.""

DUI and Car Insurance???

What is the cheapest car insurance out there to get for someone who has a DUI and a speeding ticket within the last 3 years?

Is insurance cheaper for a stick shift or automatic car?

Or it doesn't matter?

Can you recommend a really inexpensive but still decent car insurance company?

I'm a student on a budget in difficult economic times. I'm Looking for affordable auto insurance in Chicago.

Gender inequality CAR INSURANCE!! why?

Seriously why do guys have to pay more for car insurance compared to women? It is unfair. If this was the other way round, all the females will be complaining and protesting. Now obviously women expect men to bend over backwards for there so called 'rights'. Right i now most of the women who use yahoo answer come back will be 'Men cause more accidents'. Well in fact men do not proportionately cause more accidents, men have more accidents, but men drive proportionately far more than women at a given time 79% of of all cars being driven are by males, 71% of all accidents are by males. Same goes with young males (17-22), they tend to be the first to want to embrace there rights when they turn 17 to be able to drive an automobile. You could clearly use your imagination and see that the stats are true. In a traditional nuclear family who drives mostly? obviously the husband (male). How would women feel like if they lost the right to equal pay.. because of statistics that they tend to take more days off due to things like maternity leave.""

Why are car insurance quotes on comparison sites so high?

I'm almost 17 and I'm hoping to learn to drive and buy a car, I was looking on some comparison sites to see what the insurance might be on some possible cars (ford KA, fiat sciento, nothing too fancy) but the quotes were ridiculously high? I know being 17 will mean expensive insurance but this was really expensive, they said the cheapest was around 6000 for third party. This is really high because I know loads of people who drive at 17 and their insurance ranges from 1800-3000. So, why is it so high and will it actually be this price when I come to pay the insurance?""

How does car insurance work for a teenager?

I recently got my license but still do not drive due to the fact that my parents will not pay for insurance. They say it is too expensive but they also said the only way to make it affordable would be by getting me a car, which I seriously do not understand!! I don't want my own car I just want to be able to legally drive one so why would buying me a car and then insuring the car plus myself make it soo much cheaper than just already having me under their insurance and what not??? I just don't get it because once your insured you are able to drive any of the cars in the household so why buy another car just for me?? My parents aren't making sense and do not want to explain it to me. But we own luxury cars so could that be why they won't add me to the insurance? They are getting me a random, affordable used car which I don't mind but I would rather just be insured car or no car. Oh and they let me drive around all our luxury cars when I had my permit so idk why they are doing this to me.""

Where can I find cheap auto insurance after a DUI?

I have a bad driving record that includes a DUI and driving with a suspended. I am looking for some way of getting reasonable priced auto insurance in Florida. I went to Geico and they want to charge me around $700 a month! Also what is an SR-22? Any help would be great. Thanks.

Israelic terms on health insurance?

I had to redo an experiment by Tykocinski. She researched the impact of certain primes, one of which is health insurance. She did this study in Israel. We replicated this study in the Netherlands, but we found different results and now we need to figure out why. For this reason I would like to know: What is the word for health insurance in Hebrew and Arabic? And how would they translate 1 on 1 with the english language. Example: the Dutch word for health insurance is zorgverzekering, but if I translate the words apart from each other I get either worry insurance or care insurance (depending on the interpretation of the Dutch language) The answer to this question could help me greatly in this research!""

I wanted to know how comes my insurance is so cheap now but when i did it 7 moths ago it was 2800?

so 7 months ago i got my insurance third party fire and theft with 2 additional drivers me as first driver and i am 20 for 2800,, and now i checked with the same details i did last time i didnt put down any experience or anything did it same exactly as last time and its about 1950 now ??? wth did i get ripped off? car is a vuaxhall corsa 2000 model""

What is the best health insurance company to go through for maternity insurance.?

What is the best maternity health insurance company to go to in Tennessee. Me and my hubby want to start having a family and need to get some insurance.

Car Insurance?

What is the best car insurance for someone who is 18 a good insurance that dosent cost that much

Does Florida auto insurance have some sort of new windshield coverage?

I need an arguement solved. i was on interstate and some rocks/debris flew off truck in front of me and damaged my windshield. everyone keeps telling me that my insurance will cover the windshield to be replaced but I do not see this in my policy at all. I only carry the basic minimum needed to insure car. Is there something I am missing or does anyone what these other people are talking about? I do not carry comp or collision.

Parents: 300cc motorcycle vs. 600cc motorcycle?

What is the best health insurance in NY?

In the boroughs...NOT most affordable best... JUST the best, anywhere accepts.""

Contents Insurance. Average Price Roughly??

Not fantastic area, sharing a house. I have usual 20 something stuff (TV, Games Console, Laptop, DVD Player) Rough Price, THANKYOU""

When will I be fined if I don't get health insurance (Obamacare)?

Hello, Not that I'm planning on not getting health insurance but I was just wondering--- Enrollment begins Tuesday (at least here in California). I know that there is a fine for not signing up ($95 or 1% of income, whichever is higher from what I have read) However..I cannot find one answer on WHEN you will be fined if you don't sign up. Will it be during this upcoming tax season? Or next year for 2014 taxes? I'm just wondering because I start full time school and will be cutting to about 20 hours a week at my job (as opposed to full-time status that I work now) I do not currently have insurance because my job does not offer it and I do not qualify for Medicaid (because somehow I make too much money even though I can barely afford to pay my bills...) So I plan on signing up for Blue Shield or something of that nature once I cut my hours because it will be much cheaper than if I sign up now. Thanks! Any feedback regarding this would be great but my main concern is being fined. Please let me know when that fine will come into play.""

""What are my options, health insurance wise?""

I'm 19 and MassHealth is being a b**** and canceling my insurance. I got no job and I'm a full time student. Is there anyway to get insurance like this? I mean, Massachusetts must have something for people like me. Anyone else having this problem and have a solution? If so it would really help.""

Buying a car + insurance?

I currently do not have a car nor insurance. If I buy a car, am I supposed to get insurance first and then the car, or a car first and then insurance? How does this work? This is in Washington.""

Who here doesn't have health insurance and doesn't want it?

Everyone, which of the following do you fit it: (1) I have health insurance and want to keep it. (2) I have health insurance, but plan to get rid of it. (3) I don't have health insurance, but wish I had it. (4) I don't have health insurance and don't want it. I think that covers all possibilities.""

Car insurance problems?!?! Need help!!?

Basically my hubby took out insurance about 10 months ago with a new insurance company. He had 4 years no claims with his old company so informed the new company of this. The new insurance company have been taking out the payments every month from our bank however we have never had his insurance documents off them. When he contacted them the other day to query this they informed him that because the old insurance company will not supply them with no claims info they can not cover him. However all this time and even today they have taken their monthly payment. Surely they should not be taking payments for something they are saying they can not cover?? They have sent him a 30 day temp cover note for now while we try to sort it but it isnt looking good at the mo. My question is should they have cancelled the agreement before now then and ceased taking money from our account?

How do you get what you need with no medical insurance?

Hello. I am 25, recently kicked my roomate (ex boyfriend) out of my apartment, and am having to switch jobs in order to make more money. The new job surprisingly offers decent health and dental, and I am going to get it asap. But as everyone knows, it takes a good long while. I am entering a new relationship and need to get on the pill so I can have sex without making babies lol. Does anyone know of any decent, somewhat affordable options?""

What's the best way to shop for life insurance? Is there a software program to find the best life insurance?

I mean. Is there any software to compare life insurance?

4 years after DUI... insurance?

so when i was 21 i got a dui (it's called an oui here in Maine, but same thing). PLEASE DONT JUDGE ME I KNOW I WAS YOUNG AND STUPID. anyway, i ended up selling my car to pay for the whole mess since my license was getting suspended anyway. since then i have been a happy bicycle commuter! now the time has come for me to become an adult woman again and get my license back because i have enrolled in a college that is not in biking distance. I have signed up, paid for, and in 2 weeks will be taking the DEEP class required by the state of Maine in order to be licensed again. basically i am curious about my insurance premiums. i haven't had my license for almost 4 years, but i have read online that your insurance will have to be sr22 and all expensive and whatnot for THREE years. also, i have since turned 25 and will be 26 soon, so i expect a rate decrease from that. i guess my question is: have i managed to bypass the higher insurance rates because it has been 4 years? if so, it almost seems too good to be true. i am highly suspicious. can anyone give me some insight as to what to expect when purchasing my insurance? thanks chums""

""Can't afford car insurance, parents won't help?""

OK im 17 and a guy. I passed my test about a month ago so i can drive :) My parents agreed that they would pay insurance for me if i paid for lessons and the car. Ive saved up for years and scrounged all the money i have and had just enough. Anyway i now only have 1500 left and i cant find any car insurance near to that. My dad keeps saying he will do it one evening but its been a month so i asked him today because he had nothing to do, and he just started shouting at me for always going on and i should go get a '******* job because im a lazy little ****'. This is pretty unfair as i work hard at school, get straight A's, never in trouble with the police like most people who live near and don't drink or do drugs unlike most my friends. How should i get him to pay for it, its not even though he's paying all of it, im putting up prob 60% of it and he promised to pay for all of it :(""

Will my insurance cover Invisalign?

My doctor recommended me using Invisalign cause i have 2 crooked eye teeth (not bad...) and my insurance covers 90 percent of what i get done. But wouldn't Invisalign be under cosmetic?? So my insurance wouldn't cover it... Just wondering if somebody might know the answer to that...

Where to find discount on car Insurance?

Hello, I am too tight to pay to car insurance companies, looking for chear auto insurance but ofcourse good company who can take care of my car, some discount on insurance policy will be welcome.""

Question for no claims bonus protected on car insurance?

hi Sorry might be a silly question but here goes,, i crashed this morning (have to go through insurance ) i have 4 years no claims (protected) my insurance is due in march . when i renew my insurance and get quotes will i say i have 5 years no claims in march as i have protected no claims bonus ???""

Any Cheaper Car Insurance..?

Hi I'm in U.K (young driver, no claims bonus). and ive just recently bought a nissan micra 1.0 R reg i got a quote from AA, churchill, norwich union, zurich and they all are giving me a price of over 1500 pounds. I have pass plus. Any cheap car insurance out there in U.K please help need to get one fast. Thanks""

Car insurance fraud am i paying too much ?

we got a new car out of the dealer and as u know it requires u to get full coverage.we went to are present insurance witch i had my 3000gt i asked if i could add the new car the guy who got us the insurance,he told us we needed to pay down payment again witch is weird when i wanted to add my 3000gt to my dads insurance they did not charge the down payment.but we also dont have licence and shes 23 and i am 25""

I want a new car please help Car Insurance Help.?

Hey please help me i really want to get a car as soon as i can. I'm 20 years old i live in NYC. I am planning to buy a car as soon as i know the answer to this question. I want to know how much will i have to pay for my car insurance? I was thinking on putting it under my fathers name. He's 63 years old but he does not have a license but i heard he can buy a car and insurance it with his permit. How much would u think i have to pay if i put it under his name and mine? Please Help.

Price for insurance for car?

i am looking to buy a car for around 2000 dollars. its a dodge dakota not sure the year between 1995-1999. but how much am i looking at to pay monthly if i create my own insurance plan?

Need help finding helath insurance?

Looking to find a new health insurance policy, one that covers more, like office visits, lab testing, and prescription drugs. I'm 22 female from mn, employed full time, none smoker. Whats a good company?""

What's the best car for insurance. 17 y/o?

I'm 17 in two months and will need a car. Mum said a Renault Clio would be good. However which 3 door car (small) would be best on cheap insurance. Whatever suggestions would be brill

How much does insurance for a motorcycle cost?

I currently don't own a motorcycle but am curious the cost of insuring it. I live in Vermont so I would only be riding it from June to September. I would probably be riding a 2002 Yamaha YZF R6.

Where can I find a comparative listing for auto insurance rates?

Is There an Affordable Dental Insurance Plan Available??

I would like to have my teeth worked on however I do not have dental insurance, are there any good ones?""

Should I pay someone to do the body work on my car or file a claim and watch my insurance rates go up?

So I bumped into an SUV the other day, and the other person's car was totally fine, so they decided not to file a claim. I drove off with a messed up hood though.. So now I don't know what to do... pay cash for the damages (roughly $2500 which i don't really have...) or file a claim and have the crash go on my record for 5 years and watch my premiums increase. I have asked my insurance company and they cannot give me an answer as to how much my insurance will go up so its a guessing game at this point... I have a good driving record and having never crashed before... Please Help!""

How much does car insurance cost for 18 year olds?

I am a male, i got my license around 4 monthes ago. I am 18 years old live in NY. I am planning on buying a car and i would like to know what is average price of insurance. Because my parents telling me i will be paying like 600 a months or something like that. I am planing on getting 2007 infiniti G35. I never owned a car and never was insured. So i dont have any idea about it, except friends and articles online. So if somebody can, please tell me what would e the insurance. Thanks""

Parents: 300cc motorcycle vs. 600cc motorcycle?

https://www.linkedin.com/pulse/im-take-my-driving-test-want-buy-new-car-any-cheap-purchase-galindo"

0 notes

melindarowens · 7 years ago

Text

Data Returns, But Will It Be Weak or Strong?

Good day… And a Marvelous Monday to you! What an absolute, no questions about it, beautiful weekend here in St. Louis, weather-wise, that is, this past weekend. OMG! Beautiful blue umbrella skies, warm but not hot temps, and a breeze from the South… When I was a young man, and we would have days like this, my dad would say to me… “Chuck, they don’t have days like this in Russia”… I kept thinking about my dad this weekend… Elton John greets me this morning with his song: Levon..

Well, as we start our week, the last week of June, and thinking about that, can you believe the year is half-over? Where does the time go? Oh well, as we start our week, the currencies are drifting with no real direction. The economic data returns to the U.S. this week, and I think that’s what’s holding up the currencies from any movement early this morning. No one wants to make a call on the data prints for this week… But I will! Let’s see, first of all, I need to pick out the “real economic data”… That would include: Durable and Capital Goods Orders that print today, and will be negative, I’m sure. the Case/Shiller Home Price Index tomorrow, the Advance Trade Goods on Wednesday, and we finish the week with two of my fave prints: Personal Income and Spending… And I don’t see any of those giving any strength to the dollar…

Now, there are more data prints that will show their colors this week, but, they are of the variety that don’t really mean that much, as far as I’m concerned! Like Consumer Sentiment. As I’ve said before, until they call me and ask me my opinion, I’m not paying attention to the print! HA!

The euro continues to knock on the door of 1.12, but unlike the Paul McCartney song, no one is getting up to answer the door! I worry about currencies that can’t seem to get past a figure. As I’ve told you for years now, dear reader, traders are fickle, and if they’ve attempted to move a currency past a figure a few times, and fail, they’ll just give up and move onto to something else… But, like my new Thursday article for the Dow Theory Letters readers, I’m making a bold call for the return of the euro… There are other currencies to get excited about, but when you’re talking about the offset currency to the dollar, you’re talking about the currency that will see dollar weakness first, and foremost…

And that brings me to this quiz for you… Which currency do you believe is the best performing currency so far this year? It’s probably not the one your thinking of, unless of course you’re thinking of the Mexican peso… In January this year, the peso was trading with a 22 handle… Today, it is around 18… And the IM currency positions report last week showed the peso with the highest level of long positions of any currency, including the dollar! A couple of months ago, my old colleague, Chris Gaffney, sent me a note and said, “X) is calling for the peso to be the best currency this year”… And I said “hogwash”! How could that be? The Trump administration was talking about redoing the NAFTA and building a wall, and making the Mexicans pay for it… And besides, as I pointed out at the time, the peso still wasn’t paying a “risk premium”… Of course, saying that it’s the best performing currency this year to date, is a little misleading, in that, just a year ago, the peso was trading with a 15 handle… So, while it has recovered from the depths of a 22 handle, to 18, it still has a ways to go to even get back to even Steven with last year’s level!

And here’s the thing that scares me about the peso’s level and apparent popularity right now… It’s an overcrowded trade, and any sign that the Fed is going to continue their rate hikes, will mostly likely cause this overcrowding to disperse… And when one sell begets another, then they become an avalanche of sells… So, I guess, what I’m trying to say here is to be careful, because there are just too many wolves at the door of the peso right now…

The Aussie dollar (A$ ) and New Zealand dollar/ kiwi, continue to inch higher, as if they are sneaking around in the dark so nobody notices… Last week, these two currencies had to weather the storms of a Central Bank meeting in New Zealand, and the meeting minutes from the last Central Bank meeting in Australia. Having weathered the storm nicely, it’s time for these two to get going! Come on! I know you can do it!

Saturday, I received a Daily Reckoning (www.dailyreckoning.com) and in it was an editorial piece from Charles Hugh Smith, where he talked about how all the government “fixes” of the past eight years have produced a fragile system ready to crack. Boy was I ready to read that! Because, as I’ve told you for years now, all those crazy ideas to “fix’ the economy were not working, and they wouldn’t work, and they won’t work! There’s just too much debt, for anything to work, and still we continue to add to the debt! There’s an old saying that when you find yourself digging yourself a hole, stop digging! But not the U.S. we just keep on digging, and deficit spending! Oh, and Charles Hugh Smith! Here’s a short snippet of what he had to say, but I truly think you should hit the link above and go read his whole article, you’ll think… Wait! Is this Chuck writing?

“As I explain in my book Why Our Status Quo Failed and Is Beyond Reform, all these fake-reforms only increase the systemic fragility by weakening all the dynamics that generate adaptability, accountability, feedback, transparency, etc.

The status quo is now like a wafer-thin sheet of ice over a deep lake of killing-cold water. To the naive and inexperienced, the ice looks solid; they believe the tall tales of “recovery,” growth,” “wealth” and solvency.

It’s all phony public relations. As a strange as it may sound, PR doesn’t make thin ice thick enough to stand on.

All the “fixes” have fatally weakened the real economy, and created a dangerous illusion of “wealth,” “growth” and solvency. Soaring debt and declining earnings = brittle thin ice.” – Charles Hugh Smith

OK…Well, Gold got to have another day in the sunlight on Friday, closing up $ 6.50 on the day to $ 1,256.60… Gold WAS higher during the day, but not allowed to end higher… UGH! But, it had gained nearly $ 14 in the last 3 trading days of the week… A good start for a Gold run that I see coming… Ahem, Chuck… you said that, and you need to go look at the early morning trading, because Gold is down $ 14 in the early morning trading! UGH! Oh, well, a drop like that just begs for investors to buy at cheaper prices, eh?

Hey! Did you see the latest Gold accumulation numbers from Russia? Hold onto your seats, because this will blow you away… Russia is still gobbling up all the gold it can get its hands on. According to Reuters, Russia’s central bank posted an increase in gold reserves in May—the fifth consecutive month of gains. Russia’s gold reserves rose to 54.9 million troy ounces by early June from 54.2 million ounces as of May 1.

For those of you keeping score at home… there are 35,273.96 ounces of Gold in a Tonne.. So, 54.9 Million divided by 35,273.96 give us… drum roll please.. $ 1,556.40 tonnes of Gold… That’s more than the World Gold Council reports that China has, which isn’t nearly correct, but for illustration purposes, I wanted to show you just how much Gold Russia has accumulated in the past few years…

Why is Russia accumulating all this Gold? A Couple of reasons… One, the Central Bank of Russia (CBR) Gov. Elvira Nabiullina, made the decision a few years ago that Russia would stop accumulating foreign reserves in other countries currencies and their own, and instead buy Gold… What a Goldmine (pun intended) that was for the CBR, given Gold’s rise VS all currencies in the past few years.. And Second, Russia along with China, have made numerous statements about how they want the dollar standard to end… Well, if that were to happen, then those with Gold get to make the new rules, and guess who wants a seat at the table? That’s right… Russia!

After awaking from my Infusion Confusion fog on Friday, I began reading emails, and one that I received was from an analyst and he was highlighting the impressive performance of Palladium.. Let’s listen in to some of these facts that he spewed out.. “Palladium is probably the stealthiest bull market in the world. Its performance since 2009 beats every other metal out there… Since January 2009, it outperformed gold by 300%. It outperformed silver by 300%. It outperformed platinum by over 350%.”

Now that’s all grand, and in fact a couple of months ago I told you about a mining company president that said that Palladium would eventually trade higher than Platinum.. Right now, Platinum is $ 930-ish, and Palladium is $ 892-ish, so not that far from overtaking its older sister..

But here’s where I think we might see some problems going forward… You see, the main driver behind Palladium’s great run since 2009 is the fact that carmakers were building cars by the shipload every year, here, Canada, Mexico and China… But, what have I been telling you for months now about car sales? They are falling… 5 consecutive months of reports that show car sales falling from the previous month. I think that car sales are in real trouble, folks… And therefore that COULD be a fly in Palladium’s ointment… If car sales keep dropping, and I think they will, then we could very well see the carmakers slow down their production of new cars, which would mean less Palladium needed… We’ve already seen Ford shut down some plants temporarily, and the other day GM announced some plant closings… So, it’s already beginning to happen…

The rabbit that Palladium has up its sleeve though, is supplies are dwindling… In Africa, the second largest Palladium producer, their mines are very old, and it’s difficult to get the Palladium out of them at this point. Russia is the number one Palladium producer, and that would just leave them as the main supplier, and that could have all kinds of ramifications should this saber rattling going on between the U.S. and Russia escalate.

So… I guess all I’m saying is that Palladium looks good, but it does have this nasty looking hickey, that was put there by the falling car sales, so be careful is what I’m saying, don’t think just because someone shows you some gaudy returns from 2009 to today, that those will continue… They might.. and they might not!

The price of Oil rebounded a bit since last Friday morning, when it was being trading in the $ 42 handle. This morning, it has a $ 43 handle, and the Petrol Currencies of rubles, real, loonie, and others all breathe a sigh of relief…

The U.S. Data Cupboard gets to show off all the restocking that took place last week, with a print of Durable and Capital Goods Orders today… As I said above, I fully expect them to be negative, keeping pace with the other weakening economic data prints that we’ve seen for the last couple of months now… But not to worry… The Fed says that these are only “transitory”… Boy, do I feel better about all these weak data prints now… NOT!

To recap… The early morning trading has Gold down $ 14, but other than that, the currencies are drifting about this morning, waiting to see what traders think of the data prints that will come in by the truck load this week. Everybody likes the peso these days, but when “everybody likes something” it becomes overcrowded, and the reversal can be a killer!

For What It’s Worth… I thought we could have some fun with today’s FWIW section, and talk about work related stress, and how it affects your body… In my last Pfennig from the old EverBank, I talked about how I lived with so much stress during the growing years of building a World Class business, and how I thought it might have had something to do with me getting cancer. Well, on Saturday, I was doing some reading, and came across this article that talks about how work related stress can affect your sleeping habits, your junk food cravings and so on, and so I thought… Let’s feature this on Monday… and so, here’s the link to the whole article: https://moneyish.com/upgrade/how-to-break-the-job-stress-junk-food-cycle/?mod=e2fb&link=sfmw_tw

Or, here’s your snippet: “Yes, workplace stress is doing a number on your weight. But a good night’s sleep can get you back on track. A new Michigan State University study published in the Journal of Applied Psychology this week is one of the first to connect the dots between job stress, junk food and catching Zs.

Researchers followed 235 workers at two business: a Chinese information technology company where overworked employees felt there was “never enough time in the day,” as well as a call center where staffers were stressed from dealing with “rude and demanding” customers.

The study linked stress at both workplaces with the employees experiencing a bad mood on the job, which in turn shaped unhealthy eating once they were off the clock.

“We found that employees who have a stressful workday tend to bring their negative feelings from the workplace to the dinner table, as manifested in eating more than usual and opting for more junk food instead of healthy food,” wrote study co-author Chu-Hsiang “Daisy” Chang, an associate professor of psychology.”

Chuck again…. And there’s so much more, so if you’re interested in this stress related stuff, I suggest you check out the link and find out more!

Currencies today… 6/26/17… American Style: A$ .7577, kiwi .7270, C$ .7556, euro 1.1186, sterling 1.2732, Swiss .9737, … European Style: rand 12.8755, krone 8.4647, SEK 8.7246, forint 276.33, zloty 3.7644, koruna 23.4407, RUB 59.41, yen 111.65, sing 1.3877, HKD 7.7984, INR 64.42, China 6.8330, peso 17.93, BRL 3.3316, Dollar Index 97.40, Oil $ 43.33, 10-year 2.16%, Silver $ 16.50, Platinum $ 920.83, Palladium $ 857.66, and Gold… $ 1,242.20

That’s it for today… Man, I had a lot on my mind this morning, didn’t I? The Pfennig is quite long today, but I had to make up for Friday’s Short-n-sweet effort! HA! My beloved, bumbling, Cardinals finally won a game last night, but with it being one of those stupid Sunday Night games, I didn’t see the ending… UGH! Makeup day game today, and I’m going! YAHOO! Love day baseball! A great St. Louis band, Mama’s Pride, takes us to the finish line today with their song: Blue Mist… And with that, I’ll get out of your hair for today… I hope you have a Marvelous Monday, and Be Good To Yourself!

Chuck Butler

Daily Pfennig

source http://capitalisthq.com/data-returns-but-will-it-be-weak-or-strong/ from CapitalistHQ http://capitalisthq.blogspot.com/2017/06/data-returns-but-will-it-be-weak-or.html

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everettwilkinson · 7 years ago

Text

Data Returns, But Will It Be Weak or Strong?

It’s all phony public relations. As a strange as it may sound, PR doesn’t make thin ice thick enough to stand on.

The study linked stress at both workplaces with the employees experiencing a bad mood on the job, which in turn shaped unhealthy eating once they were off the clock.

Chuck again…. And there’s so much more, so if you’re interested in this stress related stuff, I suggest you check out the link and find out more!

Chuck Butler

Daily Pfennig

from CapitalistHQ.com http://capitalisthq.com/data-returns-but-will-it-be-weak-or-strong/

#TrumpNews #CapitalistHQ.com

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