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sapphire777 · 3 years ago

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Betting Mistakes To Avoid in Sapphire777

1. Failure to Use Betting Banks

Most gamblers fail to understand that the best method of achieving a healthy and sustained long term profit from racing is to set aside a sum of money away from your main finances, solely for the betting of horses. Whatever method or system you are using, whoever you are following or subscribing to or however your own bets are calculated, you are better off with a "Betting Bank" that has built -in advantages that can help you. It needs to be independent from your own personal finances and needs to be protected from factors that can threaten it. This can take a lot of emotion out of the decision making process. Emotion is a factor that threatens all punters. The size of your betting bank will of course be dependent upon your own individual circumstances and free capital available.

An analogy to the world of shares perhaps may be that no financial advisor worth his salt would advise you throw all your capital into the stock market alone. The vast majority of punters fail to use any form of set aside bank. They bet randomly with what ever money they have in their pocket at the end of the week or go in too deep with stakes far in excess of their personal safety levels. A punter with a professional attitude will set aside what he can comfortably afford to invest and then determine the best use he can make of that fixed sum of capital. With a fixed sum of capital available you now move on to the next reason for failure.

2) Failure to Stake Correctly

It is vital that you consider your betting bank as capped in amount. You do not have an endless pool of resources to dip into. Betting by its nature carries inherent risks. These risks include periods of low strike rates and long losing runs. Your betting bank and staking should be adapted for the method you use. You must in advance, prepare yourself for the possibility of a worse than average sequence of losers through adoption of a sufficient number of units in your betting bank. Correct methodical staking in addition to the mathematical advantage, can also help overcome the risk of emotional reaction to a sequence of unusually positive or negative results. Take the Pricewise column in the racing post as an example.

Long term if you could get on at the advised prices, it would have returned a decent profit overall. During this time however followers would have to have endured runs of up to 40 losers in a row! Despite the overall long term profit I suspect the vast majority of Pricewise followers would have been terminated either by a failure to set aside a sufficient amount of points or through failure to cope with the emotion of the losing run. We have long since established here a strike rate of about 35% on our Best Bet selections and at an average S.P. of over 5/2 for each winning bet.

We feel able to protect clients banks as long losing runs haven't happened and the strike rate and odds have been more than enough to ensure long steady and safe growth for your betting profits. That is in essence the key to winning money. Manage your accounts in a way that protects them as far as possible from the element of risk that the game presents you.

3) Chasing Losses

Chasing losses at first sight may appear to be an easy way to guarantee an eventual profit but the true story is it is a game for fools and statistically will not work unless you generate an overall level stakes profit. Chasing losses is a game for the ill informed who do not want to make the effort to seek value in their bets. Bookmakers have to price up every race. Punters don't have to play in every race, they can pick the races they want to bet in,and that is the main edge that people fail to understand.

If you have had a losing day, by attempting to chasing your losses you give up that advantage and bet in the races that you should not be betting in. You are therefore betting the way bookmakers want you to and not in the way to win. Many punters will alter their stakes in the last race either to "chase" losses or "play up" winnings. Its no coincidence that the bookmakers have ensured that the last race on each day is often a handicap or one of the hardest races that day. There will be more racing the next day and the day after that.

The secret is waiting for opportunities and only betting when you know you have circumstances which favour you and not the bookmakers. You must never change your approach, or deviate from sensible staking as there is no such things as "The Last Race".

4) Lack of Value Appreciation

Appreciation of "value" in a bet is core to long term success. To profit over a long series of bets you must be betting at odds greater than the true chance of winning your selection have. To do this however over the long term, you need to concentrate on each race individually and seek the value bet in that race. There is value to be had in every race. The key to it is understanding where that value is. Many times a punter will screw up a losing betting slip and say "At least I had some value".

There is absolutely NO relationship between value and prices. A 33/1 chance may be diabolical value yet a very short priced favorite may be supreme value. It does not follow that the bigger the price you take the better "value" you have. The value is sometimes clear but more often well hidden and it takes a trained eye to see that. Everyone has this "Foresight" on occasions, it is a game about opinions after all and nobody is always right or wrong. Value can be the most expensive word in racing if you can't bet winner. The old cliche is that value is about betting a horse whose true chance is better than its price reflects.

That's only a small part of it. You also have to make sure that you bet in the right way and in the right races as that is the only way you can keep strike rates high and protect a betting bank. You should continually strive to increase value in your bets. Once you have a selection you feel is value do not just take the first acceptable price that comes along. Seek to improve it by shopping around the various bookmakers or try and top the best bookmakers price by looking to the betting exchanges. Marginal improvements on odds on each bet you make can have a dramatic effect on long term profits.

5) Greed For Instant Wealth

Many punters seek the thrill of a life changing bet that will produce huge gains of instant wealth for a small outlay. Bookmakers play on your natural desire and go out of their way to encourage you to bet exotic multiple selection bets that can in one hit, turn a small stake into a large sum. Professionals however rarely bet in multiples. Most professionals bet singles and steer away from the multiple bets. Bookmakers relentlessly promote a host of multiple bets with exotic names such as Yankee, Lucky 15, and Goliath.

The reason they are heavily touted is the profit margin in the bookmaker's favour increases the more selections you add to your multiple bet. Say you select any random 5/1 selection. If you bet this as a single the bookmaker may have a theoretical edge in his favor of 15%. Taking two such selections however and betting them in a win double, the bookmakers profit margin rises to about 30% ! Yes your win double can produce a much bigger win from the same stake however over the long term the bookmaker is eating away at your capital at a much faster rate.

It is a waste of time debating which type of multiple bet is 'best'. Unless your prediction skills are supernatural or you are incredibly lucky, then betting in singles is more often the best option. You may say that many "Pros," do bet in multiples in bets like The Scoop 6 or the Jackpot, but that's only because they know there is plenty of "Dead" money in any given Pool and they are betting against people who don't understand the dynamics of those types of bet. There are times you should bet in multiples but in truth they are few and far between.

You can't approach this as a "Get Rich Quick " scheme. It is a long slow process of serious and sustained profit and not a game for Get Rich Quick schemers. If you go Into any Betting shop, have a look at all the posters on the wall offering "special offers", "enhanced terms " and "bonus offers". You will see they are all multiple bets. Bookmakers want you betting in multiples and it is easy to see why. They carve most profit from them. You never see a Bookmakers promotion offering extra's on a win or each way single. Ask yourself why.

#sapphire777

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avilahomesolutionsblog-blog · 4 years ago

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How You Can Avoid Paying Taxes with a 1031 Exchange

What is a 1031 exchange?

"In this world, nothing can be said to be certain, except death and taxes" said the wise Benjamin Franklin. Well.. that was before the 1031 tax exchange bill. Before you sell that investment property, wait up and read this article because you could be saving yourself some Benjamins!

A 1031 tax deferred exchange is defined under section 1031 of the IRS code. A 1031 tax exchange is a process in which property owners can defer payment of capital gains taxes of an investment property by reinvesting the proceeds from that sale on another "like-kind" property within a certain timeframe.

Capital Gains Taxes

When you make a profit on the sale of a property, uncle Same will ask you for a piece of that pie in the form of, you guessed it, taxes. If you sell a property that is not your primary residence that you’ve held for at least a year, you are responsible for paying capital gains taxes on the profit and could be up to 15% of the sale price. They are calculated based on the difference between the sale price and the original price you paid.

In order to avoid paying taxes, the property must be transferred to a "qualified intermediary", which can be another person or company that helps facilitate the exchange of the property by holding the funds until they can be transferred to the seller of the new property.

What Are the Benefits of a 1031 Exchange?

The main and most obvious benefit is the tax savings. With a 1031 exchange, you can defer on paying capital gains taxes (sometimes forever if you do it right!) which frees up your capital so you can invest in a new property and continue building wealth. Sounds amazing right? It is!

How To Choose a Replacement Property- Timing and Rules

1. Like-kind properties

Like-kind properties have more to do with their purpose and less to do with their physical aspects. In order to qualify a like-kind property, both properties being exchanged must be used for business or investment purposes. In addition, like-kind property "must be of the same nature or character", even if they differ in grade or quality. To put it another way, you can't exchange a John Deer tractor for a duplex because they're not the same asset. Seems obvious, but the law doesn't allow for misinterpretations! However, you could exchange a single family home for a condo, or a larger property for multiple smaller ones.

Just make sure both properties being exchanged are within the United States in order to qualify for a 1031 exchange.

2. Greater or Equal Value The rule says that in order to defer a 100% of the tax, the new property purchased must have a value that is equal to or greater than the property being sold. You also have to reinvest all of the money you receive from the sale into the new property (closing costs and broker fees go towards this price).

3. Properties Must Be Investment or Business Properties (No residences allowed!) You may use a 1031 exchange for investment or business purposes only. To give you an example, if you move from Alabama to California, you may not swap out your house in Alabama for a new one in California. (I wish it were that simple!). But you could exchange a single-family rental in Alabama for a condo in California. See how that works?

4. May Not Receive "Boot"

Let's say you sold your property for $200,000 and you exchange it for another that is $150,000 (50k less). You would have to pay capital gains taxes on the $50,000 difference, also known as "the boot".

5. Same Tax Payer In a 1031 exchange, the taxpayer who owns the relinquished property must also be the same titleholder who takes ownership of the new property. If you own a single member limited liability company (smllc), you may use that company you own as the new titleholder and still be in compliance with the 1031 exchange code.

6. 45 Day Identification Window This rule says that the seller of the relinquished property has 45 days from the date of sale of the relinquished property to find up to 3 potential replacement properties.

Exceptions to the Rule ->200% Rule - If you want to identify more than 3 properties, you can use the 200% rule. The 200% rule states that you can identify any number of properties as long as the total value does not exceed twice the market value of the relinquished property.

7. 180 Day Purchase Window The exchange must be completed no later than 180 days after the sale of the relinquished property or the due date of your Federal income tax return for the tax year in which the relinquished property was sold, whichever comes first.

Summing it Up

As you can see, there's many rules and intricacies to the 1031 exchange that might intimidate even the most seasoned investors. If you acquire a property at a loss because it was a poor investment, you're still responsible for paying taxes on the relinquished property and this could spell out financial ruin. It is critical that you have a firm understanding of the ebbs and flows of the real estate market, and general real estate investing before getting started in real estate. But, if you take time to educate yourself and work with a reputable exchange facilitator, you may avoid paying thousands in taxes and create substantial wealth too! If you’re an investor looking for a new opportunity and need sell to sell quickly, Avila Home Solutions buys properties in less than 10 days.

#1031 exchange #avoiding paying taxes with a 1031 exchange

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lossplain4-blog · 4 years ago

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financial education guide 98

Investing, Advice, Retirement And Banking

Introduction To Bank Accounts

Monthly Expenses — These 26 line objects permit the person to enter various month-to-month expenses. Assumptions 9 through 24 have particular headings which are supposed to symbolize frequent family expenses. Assumptions 25 through 34 allow the user to enter further personalized expense classes and corresponding dollar quantities. All greenback amounts for items within the Monthly Expenses class ought to be entered as positive numbers (don't enter unfavorable numbers despite the fact that they're cash outflows) in column F throughout from the suitable line merchandise.

What https://financialfreedomandeducation.com Of Bank Accounts Can I Open?

Throughout the mid and late 1990s, traders grew to become crazed over the Internet and the prospects for brand spanking new know-how growth. The shares of firms that were expecting to lose cash for years to return had been being bought at ridiculous prices. Countless folks moved cash from other investments into the technology sector in concern of missing a quick journey to riches. But as people began to think more rationally, many poorly run firms with unrealistic business plans began souring, and expertise shares plummeted. To additional make clear this level, Table 5.5 exhibits an instance of the calculations of these two ratios. Loan Maturity Date — Every mortgage will have a scheduled maturity date on which the final payment is due to absolutely repay the mortgage. However, an asset class can be damaged down extra granularly to incorporate particular person investment devices. For example, the definition of a fi xed earnings asset class can embody all forms of bonds amongst other investments. However, as discussed, there are numerous forms of bonds, and not all bonds carry out the identical under totally different economic and market conditions. For example, bonds issued by the U.S. authorities are perceived as being virtually threat free due to the stability and fi nancial strength of the United States.

What are the 3 rules of money?

Financial IQ is a measure of how well you do with money. Having a high financial IQ doesn't mean that your investments outperform the market or predict you'll retire a millionaire. Rather it means you handle money responsibly. You make smart money decisions and spend and save according to a plan.

It also explains that most financial service suppliers are business individuals themselves, and so they design and sell merchandise with a view to making a profit. Some service suppliers have been developed by groups of people to assist themselves and aren't profit oriented. The goal of the second booklet is to help folks to take inventory of their current livelihood strategies and decide in the event that they contemplate any of their enterprises as companies from which they hope to make a financial revenue.

Entrepreneurs need to ensure that they aren't giving up too much control and too much of an possession position in return for capital.

Variable Life Insurance Insurance salespeople make a considerably greater commission from selling variable life insurance when compared to time period life insurance coverage, which is commonly why they attempt to convince you that this is the better selection.

In addition, the actions of the enterprise shall be closely watched by any taking part traders.

One or extra seats on a company’s board of directors may be taken by angel traders or members of a enterprise capitalist fi rm, and ongoing reporting is often required and monitored.

In addition, variable life insurance coverage allows a portion of the premiums paid to be invested in securities such as stock and bond mutual funds.

Individuals and companies use checks to pay payments and make purchases. Bank Savings Accounts — A financial institution financial savings account (sometimes known as a passbook financial savings account ) permits the account holder to deposit money with a bank and have immediate entry to the money when needed. The bank usually pays the account holder a minimal amount of curiosity. Bank checking and financial savings accounts invested with a Federal Deposit Insurance Company (FDIC) insured financial institution are insured for up to $250,000 (the current threshold in 2009) by the federal authorities. In this case, the portfolio’s threat has elevated because of extra publicity to stocks and fewer exposure to bonds. ACTIVE AND PASSIVE INVESTING Two primary investment methods embody energetic and passive management approaches. An energetic investment technique is employed when an investor or fund supervisor uses forecasting tools, assumptions, and analysis to determine which securities to buy and sell and when. Active investing is intended to beat the market, meaning that by choosing individual securities, an investor can earn larger returns than a basic benchmark or market index. This course provides students with the fundamental construction of these organizations as well as the principles and tips that govern pre-employment education necessities. The automobiles, gear, and emergency mitigations strategies that are commonly used in the emergency- and fireplace-management subject are additionally explored. Approximately 18 months after the pilot, we invited participants to complete a follow-up examine. The aim was to evaluate the effectiveness of the pilot’s financial education interventions in encouraging non-budgeters to undertake sustained budgeting behaviours. We found that the pilot financial education interventions had overwhelmingly constructive lengthy-term results in bettering non-budgeters’ budgeting behaviours and confidence. Over half (54%) of those that started budgeting through the pilot were nonetheless doing so one and a half years later. Even extra promising was the finding that participants who have been budgeting had better financial outcomes than those who were not.

What are the 10 principles of financial management?

Financial intelligence (FININT) is the gathering of information about the financial affairs of entities of interest, to understand their nature and capabilities, and predict their intentions. Generally the term applies in the context of law enforcement and related activities.

For individuals with restricted spending needs, seeking the bottom annual payment is commonly the best strategy. Table 5.2 illustrates a simplistic example of how an annual payment can result in larger financing prices even when accompanied by a lower APR. According to a report by WIFR.com, the typical time earlier than someone realizes that their identity has been stolen is 12 to 18 months. Even worse is that 20 percent of Americans have reported some type of identity theft, and it takes folks up to 600 hours and $1,four hundred to fi x their identification and clear their credit score (). While derivatives can be utilized to scale back threat, they may also be used for speculative purposes. Many investors will create extraordinarily difficult positions by buying and selling numerous fi nancial derivatives at one time. When folks gamble and bet on the course of sure markets or securities using fi nancial derivatives, they can make or lose tremendous sums of cash. While few particular person traders will enter swap, choice, or futures contracts, a few of the investment companies and funds that you purchase could use such instruments. By distinction, father's and mother's education, opposite to expectations, didn't show statistically significant coefficients on the traditional ranges, indicating that parental education has no important influence on the individuals' financial literacy. In the same context, the literature suggests that folks play a significant function by influencing their youngsters's client conduct.

#financial #education

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theliberaltony · 5 years ago

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via Politics – FiveThirtyEight

The staggering economic toll of the new coronavirus is becoming abundantly, unavoidably clear. On Thursday, a Department of Labor report showed that a record-shattering 3.3 million people applied for initial unemployment claims last week. And with entire industries shuttered for the foreseeable future, economic output will almost certainly shrink dramatically.

As economic forecasts grow darker, talk of tradeoffs is getting louder: Is protecting Americans from COVID-19 really worth all this disruption and economic pain?

On March 22, before President Trump floated the idea of reopening the economy by Easter, against the recommendations of his own public health experts, he tweeted, “WE CANNOT LET THE CURE BE WORSE THAN THE PROBLEM ITSELF.” Other politicians, meanwhile, rejected the idea that economic costs should be a factor at all. New York Gov. Andrew Cuomo dismissed Trump’s push to get the economy moving again, saying, “No American is going to say, ‘accelerate the economy at the cost of human life.’ Because no American is going to say how much a life is worth.”

Cuomo’s sentiment might be a nice bit of political rhetoric, but it’s not really true. Economists might not be able to say how much an individual person’s existence is worth, but they have figured out a way to calculate how much how much the average person is willing to pay to reduce the risk of death — which allows them to put a price tag on the collective value of saving one life. That figure, which currently hovers somewhere around $9 or $10 million, is known as the “value of statistical life,” and it’s the basis for all kinds of high-stakes decisions that involve tradeoffs between public safety and economic cost — from food and automobile regulations to our responses to climate change.

As cold-blooded as it might seem, several economists told me that, at least in theory, a pandemic is exactly the kind of situation this metric is designed to help with. “Essentially, we’re trying to figure out what our society is willing to pay to reduce the risk of mortality,” said W. Kip Viscusi, an economist at Vanderbilt University and one of the leading experts on these calculations. “In that sense, a pandemic isn’t so different from a terrorist attack or a pollutant that’s threatening to kill large numbers of people — it’s just happening very quickly and on a very large scale.”

The idea that a life could have a monetary value isn’t necessarily easy to swallow from an ethical perspective. Economists and government regulators have to balance the risk of death against all kinds of other factors, though, and the concept of the VSL was developed several decades ago because economists didn’t like the idea of assigning that value through other, more intuitive means, like our contributions to the economy as workers. “It’s fairly simple to value someone’s life based on how much money they make,” said Spencer Banzhaf, an economist at Georgia State University who has written about the history of the VSL. “But in addition to being baldly crude, that’s just not reflective of the way we think about people. We don’t think a retired person is worth nothing.”

The VSL, instead of trying to sum up the value of a life, approaches the question from the other direction — how much are we willing to spend to reduce the odds of dying?

Economists draw the numbers from multiple sources, including surveys and assumptions about our own choices, like how much additional money people earn for especially dangerous jobs, or how much a premium they’ll pay for a safer car. The estimates do vary, but they fall in the same basic range — the EPA’s valuation falls around $9.4 million, while Viscusi’s latest calculation is $10 million. To put it another way, Viscusi’s estimate means that if a group of 10,000 people is facing a 1-in-1000 risk of death, they’re willing to pay $1,000 per person to reduce the odds that any given member of the community will die.

These numbers show why spending trillions of dollars to combat a threat like the coronavirus pandemic can be a good investment, despite the high cost. “Let’s say one of our worst-case scenarios comes to pass, and 2 million people die,” said James Hammitt, an economist at Harvard’s T.H. Chan School of Public Health and the director of the Harvard Center for Risk Analysis. “Multiply that by $9 million or $10 million and we’re talking about up to $20 trillion as the value of preventing those deaths. That suggests it’s worth expending a fair amount of our resources to mitigate this.”

But back-of-the-envelope calculations can obscure some of the knottier questions that plague economists who have studied this issue for decades. The VSL varies by country, because the wealth of the average person in a rich country like the United States is much higher than that of a person in a poorer country like India, which means Americans can “pay” more to avoid risk. That outcome is liable to make most people uncomfortable, and weighing the value of other types of lives — for example, the young versus the old — is tricky, too .

For example, even though the coronavirus appears to result in much a higher mortality rate for older people — prompting some politicians to propose that they should consider sacrificing themselves to save the economy — trying to put a lower price tag on their lives hasn’t worked well in the past. Joseph Aldy, a public policy professor at Harvard’s Kennedy School of Government, said that under President George W. Bush, the EPA tried to put a lower value on the life of an older person in calculating the benefits of air quality regulations. In their analysis, the life of a person over the age of 70 was worth 37 percent less than the life of a younger person.

“It was a political disaster,” Aldy said. The policy was christened the “senior death discount” and in response, AARP ran ads featuring a picture of an elderly woman with a “37 percent OFF!” tag hanging from her glasses. The EPA backed off and never implemented the proposed changes.

Outside the glare of the political spotlight, though, that experience hasn’t stopped economists from exploring whether age-based valuations are right in some circumstances. There’s evidence, Aldy said, that people’s willingness to pay to reduce the risk of mortality starts to decrease after age 50. But those kinds of calculations, he added, are sometimes disconnected from the moral valuations we make collectively. “We spend the vast majority of our health care dollars on people over the age of 65, and yet one might say the age-adjusted value of statistical life for that population is lower,” Aldy said. “It’s a kind of social compact — we recognize your contributions to our society and will provide the resources to keep you healthy as you age. So how far can this economic analysis really go when we’ve made that decision as a society?”

And even accounting for age might not provide a compelling argument against the measures currently being taken in response to the pandemic. Two economists used age-adjusted VSL in a recent analysis of the economic cost of social distancing — and they still found that the public health response to coronavirus had “substantial economic benefits.”

The sheer uncertainty of the coronavirus crisis is another problem — both in terms of the potential death toll and economic impact. Estimates of how many people might die in the U.S. are all over the place — some as low as 200,000, others as high as 2 million. And Banzhaf said that just as age-based calculations have their limitations, the scope of the economic costs has to go beyond earnings or GDP. “Depending on how long this shutdown goes on, we’re talking about a huge hit to the common good and our way of life,” he said. “If symphonies, hotels, art galleries, restaurants close and can’t come back — that’s a loss that goes way beyond earnings dollars. I don’t know how you begin to quantify it.”

If anything, though, the uncertainty and fear of the coronavirus pandemic could drive the value of statistical life even higher. Studies have shown, Hammitt said, that because people are more afraid of flying on airplanes than driving in cars, they are willing to shell out for airplane safety measures. “We see the same thing with terrorism risk,” Hammitt said. “When a kind of death is more dreaded or ambiguous, people are willing to pay more to avoid dying that way.”

But Aldy told me that cost-benefit analyses would have been most helpful at earlier stages of the crisis, when the government had the opportunity to invest in testing and surveillance. At this point, he told me, he wasn’t sure why a cost-benefit analysis was needed to drive home the cost of a huge loss of life — particularly since he, like many other economists and public health experts, thinks that containing the virus is the best way to ensure the economy rebounds quickly.

“Let’s say we’re talking about 1 million deaths or 2 million deaths,” he said. “When you think about the economic damage and the damage to families and communities all over the country, I don’t think you need an egghead like me to try to put a price on that. It’s catastrophic.”

#IFTTT #Politics – FiveThirtyEight #politics #538 #Amelia Thomson-DeVeaux

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ice-creamforbreakfast · 5 years ago

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Siblings Interview Tag: Zaid, Farrah, Farid and Khalid Al Farsi (Jasmeen is a bit young for this)

I was tagged by @treason-and-plot several centuries ago! Thank you so much, lovely! My subjects are left to right - Farrah, Farid, Zaid and Khalid. I would like to tag @titosims, @ninjaofthepurplethings, @buckleysims, @anotherplumbob, @mysimsloveaffair, @simsmidgen and anyone who wants to do this! Questions and Answers under the cut.

1. Which one of you is the older sibling?

Zaid: I am, by just over two years.

2. What do you like about your sibling?

Zaid: Farrah speaks her mind and stands up for herself, Farid smart, but doesn’t have a massive head about it and Khalid makes me laugh. Farrah: To be fair, Khalid makes all of us laugh...sometimes at him. Khalid: I heard that! Farrah: You were meant to. Zaid looks out for us all, which is great as I was a mess... Khalid: Were? Farrah: Oh haha...Farid makes me think about what I’m about to do... Farid: Sometimes... Farrah: What is this abuse? ...and he has managed to save me from doing a few stupid things and Khalid is a shit. Okay, I like that he might not be smart, but he knows what he wants and well...not many people do. Farid: Zaid really looks out for me, he’s probably my best friend... Farrah: I’m your twin you gobshite! Farid: Farrah is my evil twin. She’s confident and determined and Khalid is a lot smarter than he thinks he is. He’s growing up to be a really decent guy. Khalid: What they all said. I like Zaid for becoming a doctor so that the rest of us don’t have to. Farrah is great because she doesn’t judge when I screw up... Farrah: No, I just laugh at you and take photos. Khalid: True, you’re a total bitch, but that’s not always a bad thing. I was really shitty to Farid when you know...and he could’ve been an arse about it, but he wasn’t. He’s got balls for just being himself. Farrah: He’s neck deep in them, Khal! Khalid: Nooo!

3. What annoys you about your sibling?

Zaid: Nothing major. Farrah: Saint Zaid! Zaid: Farrah talks over me and Khalid has way too much energy. Farid and I used to put headphones on and lock them out. Farid doesn’t annoy me, but he could be more confident in himself. Farrah: Zaid is just too perfect, What Zaid said about Farid and Khalid...how long have you got? Farid: Zaid doesn’t really annoy me, but he needs to put himself first sometimes. As for the other two..well I think that Zaid summed it up pretty well. Khalid: It pisses me off that they’re all so smart...even Farrah. When she wasn’t sneaking boys up to her room, she would get good grades. I wish that Zaid would lighten up and smile more. No one died. Zaid: I work in a hospital, lots of people die. Khalid: SEE? Farrah: I wish that Khal would stop calling himself stupid. That’s my job.

4. Describe your sibling(s) with three adjectives.

Zaid: Farrah is headstrong, determined and a risk-taker Farid is smart, self-conscious and kind Khalid is active, confident and loud Farrah: Zaid is intelligent, reliable and...boring Zaid: Thanks! Farrah: Farid is quiet, book-smart and a nervous-wreck Khalid is hyper, loud and dense. Farid: Skating over that... Zaid is intelligent, considerate and a good friend Farrah is brash, caring... Farrah: Whaaaat?? Farid:...and independent Khalid is athletic, determined and positive Khalid: Zaid is reliable, smart and...well you can trust him. Farid: Trustworthy, Khalid. Khalid: Yeah, that. Farrah is outspoken, stubborn and well...a bit of a bitch. Farrah: True. Khalid: Farid is helpful, shy and forgiving.

5. What is your sibling’s/siblings’ biggest talent(s)?

Zaid: Farrah is an amazing hairstylist and she has a way of putting outfits together that no one else could do...all with two inch nails. Farrah: Aw you’re so nice! I feel bad for calling you boring! Zaid: Farid has a way with numbers and I haven’t once seen him pick up a calculator. He can also wipe the floor with all of us when it comes to video games and Khalid can destroy anyone at most sports...apart from snowboarding. Farrah: Zaid can shoot juice out of his nose...but he also has one of those crazy photographic memories...he’s such a smartarse. Farid can get away with way more than the rest of us because he looks so innocent. He also finished all of our new videogames by the end of the Snowflake Day holidays. I don’t know how! Khalid can burp the alphabet, which is amazing as he can’t spell...I was once forced against my will to go to one of his football matches and he’s a great player. Farid: Zaid can pick up most books and finish them on that day or within a couple of days. I would get distracted! Farrah was able to sneak boys into her room, past our dad. If you know him, that’s an amazing talent. Farrah: I did offer to sneak you one too... Farid: She did. She’s also an amazing stylist and can fix all sorts of hair disasters. Khalid: Like when I turned your hair blue? Farrah: You’re a little shit, but I owned that blue hair. Farid: Khalid is an amazing football player. Khalid: So Zaid is really smart, like Farid said, he can read a book in a day or two! I can hardly...well I don’t really like reading much. Farrah can drink grown men under the table, it’s crazy! She doesn’t even get hangovers most of the time and Farid can count in his head...well he can multiply and stuff too...I don’t know the names of it all.

6. What is your sibling(s) really bad at?

Zaid: Farrah can’t admit when she’s wrong! She just can’t. Farrah: I’m never wrong. Zaid: What about the time when... Farrah: Shut up. Zaid: Farid is bad at making decisions. He needs more self belief and Khalid is bad at spelling and maths...sorry, Khal! Farrah: Zaid is bad at making jokes. I mean he tries, but he’s not really that funny. Farid is bad at speaking up, so I used to speak up for him whether he wanted me to or not. Farid: You used to say “Farid wants...” to get stuff for yourself. Farrah: A small price for my services. Khalid can’t spell or count for shit. Farid: Zaid is bad at putting himself first and he’s...I mean we laugh sometimes, but his jokes are a bit...stale. Zaid: Thanks... Farid: Sorry! Farrah is bad at letting things go, whether it’s a grudge or a joke and Khalid is bad at reading situations and expressions. Khalid: Zaid just isn’t funny, Farrah is bad at...well she can’t say things in a nice way. Farid: She’s as subtle as a brick. Khalid: Yeah...and Farid is bad at controlling his emotions. He was bawling at something on Jaime’s Drag Race last week. 7. Do you have nicknames for each other?

Farrah: Not really. Khalid is sometimes Khal though.

8. What’s one thing you can do that your sibling(s) can’t?

Zaid: Prescribe medication. Farrah: So serious! I can cause an all out war on M*msnet with a few choice words. Farid: Complete Lubo the Llama 3. Khalid: Only because you hogged it. I can play football without tripping or breaking anything.

9. Did you get along when you were younger?

Zaid: Farid and I have always been really close. Farrah too, but she got really into fashion and we just...weren’t, so she made other friends a lot faster. Farrah: Sometimes they’d lock me out of their room. Farid: You were so loud and you’d ask so many questions and try to style us and dress us up! Farrah: You loved it! Farid:... Zaid: Khalid came along and Farrah hated it! She tried to sell him to our next door neighbour. She dropped him too, but luckily it was only on the sofa. Farrah: I tried my hardest. Khal and I would fight all the time, right up until I moved out, but I wouldn’t let anyone else mess with him. Zaid: Farid and I got on fine with him. Farid would always help him with his homework...they fell out for a bit, but it’s fine now. Khalid: I was a bit of a dick. Farid: It’s fine...we all get on now.

11. Are you closer now or when you were younger?

Zaid: We’re much closer now, but we’ve always been close. Farid: Definitely. Living in different houses is great.

12. Did you compete with each other?

Zaid: No, we all wanted different things. Farrah: Khalid and I would compete for attention. I went from being the only girl to being in the middle when Khalid came along. Khalid: Yeah, she was evil.

13. Which one of you is more likely to turn out like your mum or dad?

Zaid, Farid and Khalid: Farrah! Farrah: True... Zaid: Farrah is just Mum but younger, it’s scary! Khalid: Zaid is kind of like Dad though. Farrah: He is, but let’s be fair, even Zaid has more humour than dad!

14. Which one is most likely to have a big family?

Farid: Farrah. Farrah: What? Zaid has triplets and he’s adopting Lucie! I have Hadi. Farid: Come on, you have Hadi, Harry’s younger brother and sister still live with you...Lloyd and Jelena and you’ve got guardianship of Benny. You’re like Susan Kennedy with fashion sense. Farrah: I’m glad you added that last bit. Khalid: I could have lots of children that no one knows about. Farrah: You can’t get your pillow or your socks pregnant, Khal. Sorry!

15. What is one thing about your sibling(s) that has changed as you’ve gotten older?

Zaid: Farrah has become more responsible and it’s pretty scary! None of us would have guessed that she’d be a mum with a full house. Farid: Yeah, that was a shocker! Khalid has become a lot more mature and handles things a lot better without being... Farrah: A dick. Khalid: Hey...wait, that’s pretty fair. Farid: That pretty much. Farrah: Zaid is toning it down with the career stuff now that he’s a dad. It suits him a lot more and he’s happier. Khalid: Farid is a lot more...well he’s himself. He was always quiet and awkward and he still is, but we know he’s not hiding anything.

16. Who’s better at maths?

Khalid: Farid. Zaid: No competition there.

17. Who is more pessimistic and who is more optimistic?

Farrah: Farid can be a bit pessimistic, but Khalid and I are optimists. I don’t know about Zaid... Zaid: I’m a realist. Farrah: You’re something, but the label fell off.

18. Is there anything you don’t like doing together?

Zaid: Watching TV. Farrah and Khalid won’t shut up. Farrah: I’ll second that, you watch some shit on TV. Farid: Zaid is the only one who’ll really play video games with me. The other two are sore losers. Khalid: I hate playing football with Farid. Farid: I hate playing football.

19. Which one of you do you think will get married first?

Zaid: Sophie and I are engaged, but Farrah and Farid aren’t far behind! Farrah: Don’t scare me, I’ve had enough commitment to last me a lifetime recently. I wouldn’t discount Khalid, he could surprise us with Edyta...if she gets her act together. Khalid: No comment. Farrah: What’s that meant to mean? Farid: He’s already married. Farrah: WHAAAT? Khalid: I’m not...but Farid is taking Drew to Champ Les Sims to propose... Farid: Shut up. Farrah: Tell me everything.

20. Lastly, how often do you argue?

Zaid: Farid and I don’t really, but Farrah likes arguing. Farid: I’ve had a few arguments with Khalid too. Farrah: Khalid is a dick. I grew up with three brothers. It was a shitshow and they all annoyed me. Can you blame me? Khalid: Yeah, I can. Farrah: Shut up, Khalid.

#sims-for-breakfast #simsforbreakfast #ts3 #the sims 3 #ice-creamforbreakfast #khalid farsi #zaid farsi #farrah farsi #farid farsi

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haveclotheswilltravel · 5 years ago

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The best place to buy souvenirs in Moscow, Russia is easily Izmailovsky Market. It’s located just outside the city center and is easy to get to via the metro. The prices here are a fraction of what you’ll pay on Arbat Street for the same souvenirs… and you can barter!

Izmailovsky Kremlin (Market) during winter.

My husband and I went here countless times to buy souvenirs for friends and family members. We also took anyone who visited us in Moscow to this market to show them what it’s all about! Because even if you aren’t looking to purchase souvenirs, Izmailovsky Market is a fun way to spend a few hours exploring on a weekend. There is a lot to see and also eat here!

This post is breaking down what to know before you go…and explaining why you must visit Izmailovsky Market if you’re visiting Moscow.

How to Get to Izmailovsky Market

The Metro

The quickest (usually) and most cost-effective way to get to Izmailovsky Market is by taking the metro. If you’re a new visitor to Moscow, I know the metro can sound intimidating. However, you MUST try out the metro while here – as it’s seriously as beautiful as a museum. (Click here for more tips about taking the metro in Moscow.)

For example, from Red Square, you can get on the metro at Ploschad’ Revolyutsii and take it to Partizanskaya stop. This will take about 30 minutes and cost 55 rubles (less than $1 USD.) You can purchase one-way tickets at the metro station or you could also purchase a Troika card if you plan on using the metro more than a couple of times while in Moscow. (This is a reusable card you can put money on for the metro.)

Google Maps is getting better in Moscow… however, Yandex Metro is still the best app to use for figuring out which metros to take in Moscow.

Taxi

Another option is to use the Gett or Yandex Taxi Apps to take a cab. The last time I went from the city center to Izmailovsky Market via taxi, it came out to about $5 or $6 USD. This does take longer than the metro, though. This will take at least 40 minutes of driving and sometimes more if the traffic or weather is bad.

When to Visit Izmailovsky Market

Technically the market is open every day from 10 am to 6 pm. However, during the week many of the vendors are not there.

The best time to visit is on either a Saturday or Sunday between 11 am and 4 pm. (If you get there too early or too late, you’ll find some stalls aren’t set up yet or they’re already closed for the day.)

If visiting on a weekend is impossible for your schedule, the next best day to visit is on a Wednesday.

You’ll Need Cash!

Except for a few stalls, cash is the only way you’ll be able to pay for anything here! If you end up running out of cash (which may or may not have happened to me on occasion), the best spot to take more cash out is an ATM inside the lobby of Izmailovo Beta Hotel, which is just across from the Izmailovsky Market. You can also take out very large sums of money at this ATM – if you end up finding A LOT of goodies at the market!

You Can Barter Here

Izmailovsky Market is one of the only places you’ll be able to barter for your souvenirs. So be prepared to haggle a bit! (Most stall owners speak multiple languages or will use a calculator to haggle prices.) For example, the stalls selling fur hats (pictured above) can sometimes start as high as 3,000 – 4,000 rubles for a hat. However, we generally bought them for 1,000 – 1,200 rubles. (They were really popular Christmas gifts for family members last year, haha!)

Me with my favorite handmade nesting doll souvenir!

Not every single stall will be willing to barter, though. My favorite stall sells handmade Matryoshka dolls (pictured above), and she generally did not budge on her prices as they were already fairly priced and all of her things are handmade. (Her stall is on the end across from the stairs leading up to the area where rugs are for sale.)

There Are Food Stands

You can come hungry to Izmailovsky Market as there are food stand selling kebabs, hot dogs and various goodies. You can also buy drinks and even alcohol here. The stands pictured above mainly sell kebabs, but there are more options as you move toward the museum area of the market (follow signs for the Vodka Museum and you’ll see more food options). There are also food and drink carts being pushed around the market.

Selling beverages throughout the market…

More dining options by the museums.

… and Also Museums!

There are also a bunch of little museums inside the market. Frankly, anytime I came to the market I was usually on a mission to buy something, so the only museum we’ve ever actually gone into is the Vodka Museum. It’s not the most exciting museum in the world… but it’s an interesting way to spend an hour or so. Plus, you can also sample different vodkas (and there are some fun beer options too if you’re not a vodka drinker).

Vodka Museum Photos

Be Sure to Dress Comfortably!

You will be on your feet a lot while at this market, and it can get rather muddy and slushy depending on the time of year you are visiting. Be sure to wear appropriate footwear. This is almost all outdoors, so be prepared and dress VERY warmly if you go in winter. (I usually would wear boots, thick socks, long underwear, a thick sweater and a puffy winter coat and hat and gloves anytime I went in winter).

The best example of what I would wear to the market in winter.

Best Souvenirs to Buy at Izmailovsky Market

I’ll do an entire blog post on the best souvenirs to buy in Russia. (That’s coming on Wednesday!) But a quick overview of souvenirs to buy here includes:

Matryoshka dolls (nesting dolls)

Fur hats (or faux fur hats)

Podstakanniks (tea glass holders)

Amber jewelry

Traditional clothes

Fabergé egg replicas

Few More Things to Note:

If you’re looking for some colorful “Instragrammable Places” to take photos – Izmailovsky has you covered! The area by the main entrance, and where the museums are, has a lot of colorful walls and buildings that make for fun photos.

A LOT of the vendors do not want you taking photos of their stalls – this is because (at least some of them) are selling handmade things that they do not want people replicating. If you’re unsure ask. (Or also, look for signs – many stalls will have signs that indicate they do not want photos taken.)

Ask before taking photos like this… Not all vendors will allow it.

While there are tons of souvenirs to choose from here… there is also a section of the market that is essentially a big “garage sale.” This is where locals bring in antiques or just old junk to sell. I know nothing about antiques – so, I never bought any, but there is a TON to choose from!

Random garage sale items!

There are also stalls selling bear skin rugs and other various animal furs. While they are quite reasonably priced for such things – be sure you know your country’s laws for importing animal furs/skins if you buy something like this! You may have some paperwork or hefty fines to pay if you don’t do your homework…

Please feel free to ask any questions you may have about visiting in the comments section at the end of the post. I’ll do my best to answer them all!

Click here to see all of my posts from Russia.

If you’re interested in taking a tour of Izmailovsky market, click here.

Visa Requirements

To check if your country requires a Visa for traveling to Russia, click here.

Travel Insurance

It’s a good idea, no matter where your adventure takes you, to have travel insurance. You never know what might happen! Whether you get sick before your trip and can’t go, or you become sick or injured while on your adventure – being covered with travel insurance is a must. Some credit card companies do provide this service (check with yours), or you can get a quote from companies such as RoamRight. To get your free quote, click here.

More photos of Izmailovsky Market, below.

This wine bottle holder has been for sale for forever – I love it!

Tips for Visiting Izmailovsky Market in Moscow, Russia The best place to buy souvenirs in Moscow, Russia is easily Izmailovsky Market. It's located just outside the city center and is easy to get to via the metro.

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letsimportanttreecollection-blog · 6 years ago

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hey let me firstly tell you all my situation.....im 21 years old, a new driver only having just got my licence looking to buy and insure my first car. i wanted to buy a 1999 peugeot 206 1.1 which costs 700 but the insurance is almost 3000 which i just cant afford? can anyone think of any other half decent cars that arnt too expensive and also cheap to insure? they must be really safe cars though as i have a young child. im in full time employment, live in a safe neighbourhood, the car would be parked in a locked carpark overnight and im only really looking for third party insurance. please help!!!!!""

Average cost of sr22 insurance?

What is the average cost of sr22 insurance?

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How much do you pay for full coverage car insurance?

i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay

How much did your car insurance go up after a speeding ticket?

I got a ticket a few months ago, and I got one today. Both were oddly enough 21 mph over the limit. I have not noticed a rate increase yet, and I was wondering what others have gone through.""

What is the approximate cost of insurance for a lamborghini gallardo lp550-2 spyder?

Car insurance question?

Originally I registered my car insurance with my previous address. Now I've moved to a new place, do I require to update the address? What happen if I don't update the address and continuously using my previous address as registered?""

Help in family health insurance in Indiana?

I have a family of 4, My wife and I make about $20,000 a year. Right now, we have to pay $350 a month for health insurance. We already applied for HIP insurance, but it've been 2 years, and they have no positive answers for us. I feel $350 a month is too expensive for us right now, this insurance only pay for us when we have to pay over $10000 at a hospital. For example, if we have to pay $14000 for health, we pay $10000 and they pay $4000 ; anything under $10000, they won't pay. Please help us with our situation, Are there any other options out there. Thank you very much""

How much Do you pay for Car insurance every month?

and what car insurance you have?

What is the Cheapest Insurance?

Hi. My dad has been having AAA as his insurance for $82, compared to our other family members insurance, that is pretty over priced. Isn't the insurance price supposed to go down if you didn't violate anything over the year? And also, i am 16, and have my license, i basically have my dad's old car so he needs to get me into his insurance. What is the best insurance for me and him together? I know Im a minor and the insurance is going to go up but what is the cheapest insurance or best insurance for both of us? My dad wants to switch if ever we find a good deal?""

Does anyone know the best car insurance to buy from with just the minimum required?

i am so sick of car insurance companies taking advantage of people with these super high prices just because the dumb law says you have to have insurance.

How much has your health insurance gone up since the affordable health care act was passed?

I just got notice mine went up by 33.5% last week. Why is my insurance getting less affordable instead of more affordable?

How do you find out if a driver has insurance or not?

My car got hit and the driver took off. I have their name, address, and vin number but they did not provide an insurance company name either because they don't have it or there's a possibility that it was not provided at the time. Who can find this out for me, the police said they can't and my insurance company said they don't think they can either....""

Can I buy Motorcycle Insurance for 3 months?

Is it possible for Geico to do that?

How much will be my car insurance? (I'm serious)?

Guys please take this question seriously and don't even try to answer unless u r going to answer thoroughly I'm 18 and will be 19 in october And I'm getting driver license in a month My parents are not citizen and they don't live in US But I'm citizen and go to high school I heard that my car insurance is extremely expensive since my parents don't live in US But I really NEED to drive my own car ( Not i want to, i NEED it!) I'm aware that the insurance fee depends on companies ***So what I want is approximation or similar examples or similar cases (My GPA is over 4.0 so probably there will be discount... *** if there is, i need every info for discount) And only my mom got her license when she stayed here for few month last year She needs to renew it and she is registered to my uncle's car (I live with my uncle) ***Does this affect my fee? I'm working in city recreation department How can I go work if i don't have car? Now...I ride bike for 4miles to go there... Please help me""

I am looking to get a new car. I am currently on moms insurance - please read below?

I am 26 and purchasing my first new car - I am currently on moms insurance. I will be getting my own insurance. Do you need proof the day you purchase of your OWN insurance - or is proof of my moms insurance enough until I get my own? Also, when you purchase a new car - can you drive off the lot the day that you purchase it? Thanks!""

What insurance companies are cheap for young drivers that have 6points due to non insurance?

What is Private Health Insurance?

My work provides me with insurance that covers medical and some RX. Is this considered Private insurance? Or is Private insurance when you go and purchase the insurance on your own?

How much does insurance cover?

I have blue cross shield insurance I am fourteen how much would I be for Invisalign On my bottom teeth? I got braces on my top years ago The insurance covered all of my tonsilectomy we paid nothing out of pocket.

Is insurance affordable under the Affordable Care Act?

Auto Insurance Quote too high?

I got an insurance quote from Amica Insurance. I've never had any ticketes or anything and they want $ 180 per month. With Farmers it is $360 every 6 months. Why the big difference? I heard Amica is supposed to be cheaper? Thanks

Teen insurance and info two questions in one?

Hi, i am having a tough time with auto insurance qoutes and prices, so i could use some help. Question 1. ok, i am 15, will be 16 in May, if that helps, i have a 1994 Dodge full size van of my own (title was signed to me) and i am getting ready to tag it. i also live in Kansas. ok, i have $500 dollars saved up and have a job that i work 2 days a week and i make about $200 a week. now, i would like to buy my own insurance if possible. is it possible? Question 2. if i can not buy my insurance, can i put the insurance in my mom's name only, and then title it in mine? but one way or the other I HAVE to title it, the title is written out to me on the back in ink, so...................... thanks to any answers or if you know any good cheap insurance companies thanks""

What are typical limits on a full coverage auto insurance policy.?

I was recently in a mans vehicle when he wrecked, I was pretty seriously injured, and now have a lot of medical bills, and surgery bills. I know that he has a full coverage policy with Geico, because they have contacted me, and told me that. The only thing that they will not tell me is his personal limits. I have found out though that He has a history of accidents, and DUI'S. I do not know if that has any affect on his limits or not. I am just concerened about my bills getting paid, and my reimbursement for my lost time, and pain and suffering.""

""Im 17 how much would insurance be for an an Infinity QX56 2013? Its fully loaded and costs $80,470.?

I want one so bad!

Is insurance must for Two Wheelers?

I have a four years old Honda Unicorn. Till now I have insurance for my bike. Now if I do not renew the insurance, what are expected problems ? Legally am I bound to have some insurance ?""

Does anyone recommend a cheap company for my first car insurance policy?

I only have a 1.2 punto so I'm just looking for a nice cheap quote - if such thing exsists?

Self Employed Health Insurance?

My father just quit his old job, he couldn't work there anymore (Too long commute and we lost a parent, so he had to stay closer home for the family) So now he is self employed. We are trying to find insurance that will cover him, 4 children, vision (we all wear glasses) + dental. Does anyone have any suggestions? (We live in PA)""

Do 'normal' car insurance companies insure exotic cars as well?

I've gone to multiple popular car insurance agencies websites and tried to get a quote for a Lamborghini, but in the drop down menu there is never an option for it. I'm beginning to wonder if they even do insure these kinds of cars?""

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How can I get medical insurance if I have a history of pancreatitis?

I've never had medical insurance b/c I've never had a reason too. Never had any major sickness before now, never a broken bone and never sprained anything. My pancreas suddenly became inflamed. It wasn't caused by drinking, I hate the stuff! I believe it was caused by smoking. I've had a few episodes of pancreatitis and was hospitalized once in which it cost an arm and a leg. Should have went to the hospital this last time, but I was so scared of the extra costs. Your pancreas is a major organ. You can't live without it. Am I going to just have to grin and bare it and leave a debt to my family when I die?! I tried applying for the discount but I wasn't eligible b/c I don't have a job. I haven't had one in 4 years. What are you to do. No insurance company will accept me due to the medical problems. I'm scared of what I'll be charged, but even more scared of the pancreas killing me.""

Car insurance?

I heard that you will pay less for auto insurance if you have your license and a clean record even when you nor our family memeber have a car. IS that ture? I mean like you didnt buy a car or insurance when you first get ur license.

Will I be able to buy car insurance?Thanks?

Im 19 and I was on my dads Metropolitan insurance company. I had 2004 Honda Civic but my dad had the car title in his name. I crashed my car and I was at fault so now we're waiting for the case to settle. My dad wants to wait for the case to settle before I buy another car. The case might take another year or more before its settled. I would like to buy my own insurance and my own car. How will the insurance work out or whats the cheapest insurance? Thanks

Is it illegal if someone else pays for my health insurance?

I lost my job last month, and I need to know if there would anything illegal or wrong if say a relative paid for my health insurance until I get a new job? The insurance is through this new Affordable Care Act program.""

""My car insurance was voided in the past, and now I can't get a quote anywhere, can anyone help?!?""

When I started learning to drive at 17, I decided to buy my self a cheap car so that I'd be able to get more experience behind the wheel, pass my test quicker and have a car as soon as I passed my test. I was insured on my provisional license with an insurance company which specialised in learner drivers. However, I ended up getting 3 points on my license the week before I passed my test, in what I still think were pretty unfair circumstances. My house doesn't have a drive or a garage and so I had to park my car on the road in front of my house, or on a street round the corner when there were no spaces. As it was my first car I was really excited, and without understanding that I could get in trouble for it, I used to sometimes sit in my car and listen to music with my friends. The week before I passed my test we were sat chatting when a police car came down the road and pulled up behind us. Someone had broken into some allotments nearby and they were questioning us as to if we had seen anything. They searched my car- for tools that could suggest we had done it I presume, and when they found nothing they ran my license and obviously realised I only had a provisional license. I still at this point didn't realise I had done anything wrong, I wasn't driving the car, simply sat in it so I didn't realise I had committed an offence. The police informed me that because the engine was running, I could have been driving or about to drive and on that basis they convicted me for driving without a license. I only got 3 points and a 60 fine due to the fact I wasn't actually driving and at the time I accepted that with relief, I was terrified I'd get a ban or lose my license or get a massively unaffordable fine. I could have appealed but that would have meant going to court and I was only 17 and that terrified me. I declared the points to my insurance company straght away, but due to the nature of the offence my insurance was invalidated and void. I've only just now realised how serious having insurance voided in the past is. I'm supposed to be moving a 5 hours away in a few months for a job, and I have plenty of money saved for car insurance and a car, as without a car, the move is completely unrealistic. Without a car I won't be able to get to work as the hours are unsocial and my job isn't very well connected with public transport at all and so relying on public transport or taxis is simply not an option. I found a car, went to get an insurance quote, and found out that getting insurance is practically impossible when you've had insurance voided in the past. The points don't seem to be a problem, when I tell companies about my points but not about my insurance voided in the past they happily give me a quote. They're expensive, but affordable and it's what I was expecting. However, as soon as I tell them that my insurance was voided in the past they refuse to even give me a quote. I'm completely out of options and I don't know what to do. I need a car, but I can't get insurance as much as I try. I know I was in the wrong, but it seems like the voided insurance is more of a punishment than the points are and surely that isn't right? And the voided insurance will stay with me for the rest of my life, so does that mean that driving will never be an option for me? I'm sorry for the essay, I just really don't know what to do! If anyone's been in a similar situation with voided insurance or know of a company that would insure me then please let me know! Just anything that would help, let me know! Thank you so much in advance and sorry again for the babbling!""

Car Insurance?

anybody know what the Uk cheapest car insurance for somebody with 15 years no claims discount car engine size 2.8cc?

""If we are getting affordable heath insurance, why can't my employer afford it?""

If we are getting affordable heath insurance, why can't my employer afford it?""

How much is small business insurance?

Hi I am doing a project for school and I was wondering how much insurance is for a small business. It will be a temporary food vendor. I am looking at owner, liability, product liability, and auto insurance. I just need an estimate if you could help. Thanks!""

Can my insurance tell what the ticket was for?

So, I live in CA and i have AAA insurance. My daughter got a speeding ticket and i know it will raise my insurance. and i know they can tell that thre is a ticket on certain person's name but can they tell what the ticket was for???""

Any ideas on how to get cheaper car insurance?

Will my car insurance rate increase if my car is stolen and never recovered?

I also have GAP insurance.

How does insurance either supplied by an employer or by the government drive UP the price of health care?

Motorcycle Insurance?

I am currently trying to get a motorcycle license and I'm wondering if there's any insurance company that would insure me. I'm 18, in California and I don't have a drivers license yet. I have passed the written test for a drivers license but haven't been able to schedule a behind the wheel test yet because my family's lack of cars (mom/dad uses them to get to work until ~8). So while I'm waiting for that to happen then I'm might as well try to get a motorcycle permit because we have my dad's old (but not so old) one. But question is, is there an insurance company that would insure somebody like me? Price isn't too much of an issue because I have a job with no added financial duties so to say.""

Can small business owners & the self-employed get quality yet affordable health & dental insurance...?

if so, how?""

Auto Insurance average for me?

I've had my temps for about 8mos now, and I'm going Togo to driving school for my license. I'm 17 years old. How much do you think average coverage should be?""

What is the most affordable health insurance in NYC?

My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

Are there any health insurance programs like healthy families?

I know healthy families are for children and teenagers but are there any other medical low cost program for kids in their early 20's. There is medical but what if they don't qualify for medi-cal, and if the parents don't make enough money and kids don't have any job because our economy is whacked. How we suppose to take kids to the doctor when they're sick? Please help, any helpful information would be greatly appreciated. God bless!""

How can i get cheap insurance?

I'am going to be 17 soon and i going to buy a car so i was wondering what car should i buy or what shoul i do to get cheap insurance, because at the moment it's cost about 3.500 and that just too expensive... help please""

If my son is on my parents insurance does that mean they claim him on his taxes?

Okay my son is now 1 year old. He is on my parents insurance, we live with them, and my parents pretty much support him.(pay for all expenses).. Now my sons father wants to put him on his taxes. I know he just wants to get money to get him a new car. he also says he will get me a car too. but idk about that. When i told him i think my parents already claimed him, he started yelling its his son, and told me to give him his security card(he has a really bad temper and gets angry to where i get scared) so i did.. but now i need to sign a paper..and i dont want too.. Here is my thing i told him that he is automatically on my parents taxes, because he is on there insurance, so that would mean i would have to take aiden off of their insurance(Which means he wouldnt be on any insurance)he started yelling how stupid i am and just to sign paper, my question is is it true that because my parents have him on their insurance, he is on their taxes. What should i do? Thanks for anyhelp. Sorry long question. Please no rude answers""

Cheap auto insurance for mid-california...?

i had a accident in december last year and a speeding ticket doing 90 in a 55 last year.. 2 different occasions. i am buying a 2002 jeep grand cherokee laredo and wheni went to geico they said my quote was like $406 a month.. thats crazy. progressive was $199 a month.. but it still seems outrageous... cant i find it cheaper than this? please help..... im 23 female who has had my license for 7 years since i was 16, never had it revoked or anything.. how do i get my rates to go down?""

For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?

A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!

Question about car insurance. Will give 10 points. thank you!?

Well i have a basic hometown insurance, and they charge me 415bucks, im 16 years old and male. We own a Chevy Venture, 2000 toyota camry, and 1989 toyota camry, i don't own any, so how can i be still getting charged? I thought only the owner will get charged, i can drive under my dads insurance.? My dad owns the toyota camry, 89. Sister owns the 00 camry., dad owns van.""

Should I drop collision from my auto insurance this renewal?

I have a ten year old Honda Civic, just over 40,000 miles, has a crack in the driver's side rear bumper that I ignore. I have an excellent driving record, no points, am the only driver, am at that age where I'm not young enough or old enough to be considered a threat, but I live in a high rate state and money is more than tight and they just shot my house insurance through the roof, even though I never put in a claim, because, get this, there is a chance that someday we may have a hurricane! Am I being pennywise and pound foolish, or am I paying for something that won't pay off even if I need it? Thank you!""

How much do you think i'll be paying for car insurance?

I'm 16 from Massachusetts, and i'm going to be getting my license next month! I have saved enough money and i'm going to be buying a volkswagen beetle from the year 2000. how much do you think i'll be spending a month on car insurance? i took drivers ed so that could help.""

Good car insurance??

I will be 16 in a few months and am hoping to get a Mustang two doors. soo it might be a little higher insurance..Is there an insurance company thats better than another?

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https://www.linkedin.com/pulse/can-you-drive-learners-permit-without-insurance-anthony-lopez/"

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blenderbender1811 · 7 years ago

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A Song of Ice and Fire - Weddings Primer

Just a bunch of stuff put together about weddings in the ASOIAF universe for those looking to write them. Specifically, how weddings run in Westeros. This goes under a read more, for the post is long.

1) Nobody can be COMPELLED to marry. They need to say the words and if it’s done under sword point, it might be dissolved later. That said, it’s expected you’ll marry who your lord or his liege commands and if you don’t, you might be estranged from your family, and the ironborn can marry someone by proxy (with a seal in the place of a person, the iron born are weird.)

2) The Targaryens occasionally took more than one woman as a wife. The Ironborn also sometimes have more than one wife - an ironborn ‘rock wife’ and ‘salt wives’ taken on raids (because that’s not coercion at all). The children of salt wives are not considered bastards, but they come AFTER the children of rock wives status wise.

3) Marriage contracts take forever to negotiate and they address all sorts of possibilities - land, inheritance, dowries, etc. Once a betrothal is made, you better have a GOOD reason to break it (infidelity, inability to fulfill property or income agreements in the contract, somebody died and you must fulfill their betrothal, you found out they have another contract, an inability to seal the alliance with children (infertility), etc.). Breaking a betrothal is a BIG deal and you might cause a lot more than hurt feelings. You might cause very real political damage with the people you were trying to ally with.

4) So, how do you choose a partner? There’s several factors, some more important than others.

- Rank: This is one of, if not the most important thing to consider. If the parties are not of similar rank, this is going to get tricky. Marrying one rank up or down doesn’t seem to be scoffed at (for instance, nobody thinks, for example, that Mace Tyrell is weak because he married down to Alerie Hightower). More than one rank though and you’re going to need a very good reason for the marriage to happen. And marriages to lowborn people are vanishingly rare. That’s why Asha couldn’t marry Qarl even though she’d love to.

- Position in Family: Another super important factor. Is the person being married a ruling Lord or Lady? What about an heir? Are they the eldest daughter (who traditionally has choicest pick of gentlemen callers)? Are they true born or bastards? If they’re dynastically important, the family will be much pickier. Younger sons or daughters are much more likely to marry a household knight (or their daughter) or a minor bannerman than an older child, who is likelier to marry a major bannerman, if not marry up.

- Political Context: This just always needs to be in mind. Does the husband have another wife? Is their land in a dangerous or contested spot? What’s their influence in the capitol like, if any? If your marriage making plans don’t make sense, the marriage is going to look shabbier or hastier to everyone else in Westeros.

- Age: In Westeros, we all know their treatment of age with regards to marriage is absolutely gross. We don’t need to be told that. Age isn’t treated as a major factor and indeed, young women have been married off to gross old men as a punishment (see poor Sylva Santigar for details). That said, even in Westeros, it’s generally considered more comfortable if they’re close in age, like with Joffrey and Sansa being considered perfect because they were the same age. This also makes sense dynastically speaking because they wouldn’t have to wait long for children. Or, alternatively, if you’re an elderly person looking for companionship before you die, you’ll probably pick someone closer to your own age and experiences.

- Religion: Again, not the biggest deal for most of Westeros, but I can easily imagine someone super pious wanting a spouse of the same religion.

- Personal Well Being: Since we’re playing a feudal dynastic game, this is barely a concern. That said, a decently loving family will probably want to look out for their family’s well being. They’re probably not eager to give their child in marriage to someone actively dangerous for them after all. Plus, dynastically speaking, it would render any alliance gained moot. Also, an older person looking for a second or third marriage, or again, an elderly person looking for companionship, would likely consider how well they got along.

- Health: Somewhat important. If the point is to seal an alliance via babies, you want someone who can survive consummation, pregnancy, birth, and raising those children. One of the most important things Catelyn considered when looking for a bride for Robb was how good their hips were. IIRC, she didn’t want Robb to marry a Whent because their health tended to be delicate. Again, if you make an alliance only to immediately lose it when the person dies, what was the point of it in the first place? A good example of this is how nobody wanted to marry Shireen because she had greyscale.

- Wealth: Fairly important. You want an alliance partner to bring something to the table. It’s less about coinage and more about resources. Do they have lots of land, minerals, livestock, industry, etc.?

- Appearance: Not exactly a first concern, but it’s somewhat a factor, simply because a good looking person is more likely to get lots of offers.

- Region: Most marriages take place between houses of the same region. This isn’t a hard and fast law, but your alliances are more likely to be useful when they live next door and not five days away in a region you’ve never seen.

- Former marriages or children: This is important because if they already have children, YOUR children won’t get any inheritance from your spouse. If you’re going to marry, you have to be okay with that. Tends to work for marrying off younger children or when you look for step parents, but it might also be a deal breaker for someone looking for a first marriage. Never even mind in the Iron Islands, where wives might have to compete.

- Reputation: Important. You don’t want to marry your kid off to someone with a poor reputation. Knightly orders, people closely connected to important people, well reputed for honesty or honour are good things. An oathbreaker or drunkard will have a harder go than normal.

- Prestige: A more prestigous house will have more suitors. A house being of high rank doesn’t necessarily mean prestige. “New money” houses or houses in trade my have the wealth and militaryy might to be a major house, but still not be considered pretigious enough for many large houses. A house that were once kings will have more prestige than those who weren’t. A house who’s been around for thousands of years is likely lmore prestigious than a new one (hence why the Lannisters are more prestigious than Baratheons of Storm’s End before a Baratheon becomes king).

5) According to the Wedding Knight PDF from the Game of Thrones edition of the Green ronin RP game, weddings are traditionally hosted by the bride’s family.

6) Likewise, according to the same, wedding dresses are traditionally white. This gels with the books, where the wedding dresses I recall being described (Jeyne’s, Sansa’s, and Margaery’s are all white). Now, to be fair, Sansa is a Stark and Jeyne was disguised as Arya, so they would both be using Stark colours. It also fits with the Seven, where white is seen as a colour of innocence and thus might be more appropriate to a maiden. It’s also a colour Septons and Septas wear most of the time (along with rainbows) and on Maiden’s Day girls light white candles. While none of that would apply to the Old Gods (or offshoots of the Old Gods like the Drowned God), I can see white catching on as a wedding colour regardless. If nothing else, it shows wealth if you can keep white clean.

This isn’t like the real middle ages, btw. Blue was the traditional innocence and purity colour then. Women basically wore whatever colour they wanted, albeit with different cultural traditions surrounding omens and such.

Notes: For five and six, ‘traditional’ in this sense most likely does not mean ‘binding’. We see numerous examples of weddings that are not at the bride’s home and I’m sure plenty of Westerosi ladies wore other colours to their weddings. I wouldn’t be surprised if house colours were involved. Not that it matters overmuch - they change for the feast, and those colours can be whatever they want (though likely house colours).

7) Weddings in Westeros (or, at least highborn ones) involve a dowry, a dower (as per Tywin and Hoster discussing one for Lysa and Jaime) and a bride price (as per Barristan’s comments). These are three different things.

- A dowry: A dowry is property or income a woman is bringing into the marriage, a payment from her family to her husband’s. It’s meant to help build the new family and also for income security. In the rare (nearly non-existent in Westeros) circumstance of divorce, I believe she gets the dowry back, but if she dies, the money either goes to her children or returns to her family.

- A dower: A dower is a sum of property or income designed to protect a wife if she becomes widowed. Since men are the primary breadwinners in Westeros, this is done so as not to leave a widow destitute. This income or property comes from the groom’s family. If the couple divorces, she does not get the dower (although some societies allow her to keep it if she has just cause, I doubt Westeros works like that). This money is traditionally given to the bride by the groom on the morning of the wedding. This money is HER’S. Unlike the dowry, which is often used by both spouses, her husband cannot touch her dower. Usually this means her representative (usually a male relative) is in charge of executing it, but she can be bequeath it to whoever she wants.

- A bride price: A bride price is money paid by the groom’s family to the bride’s. This is meant as a sort of ‘thank you’ for raising her and also to compensate them for the loss of their daughter - physically, emotionally, and financially. Calculating these can be complex and depend on numerous factors. Appearance, skills, how smart she is, how healthy she is, etc. I’m fairly sure this is what Cersei refers to as ‘selling women off like livestock’. In the case of divorce, you can get the bride price back in many societies, and some also allow you to get it back if she dies (particularly if she’s childless). I imagine that’s much the same in Westeros.

8) There are at least two feasts traditionally thrown for the wedding - a welcoming one to welcome all the guests, and the actual wedding feast.

9) It’s traditional to throw a hunt just before the wedding. All the men in the wedding party and any ladies who wish to accompany them are allowed to go. This is done as a show of magnanimity by the lord who is supposed to open his land to his guests, and also to provide sport for the restless party. In return, anything caught on the hunt is supposed to go on the lord’s table for the wedding feast.

10) Different regions have different local traditions for a wedding day. Case in point, the Reach has a wedding breakfast where the bride and groom SEPARATELY receive their gifts.

11) Ceremonies vary by religion

- The Faith of the Seven: This one is LONG. It begins with the septon in a sept reciting several prayers and readings. The groom is between the alter of the Mother and Father but the bride is outside the room. Next, the bride is presented, being walked down the Isle by her father or a close male relative (or, sometimes, a liege lord if a close male relative isn’t there). The bride is on the left and the groom to the right. The father presents the bride to the groom, and the groom lifts her veil (if she’s wearing one). The groom removes his bride’s maiden’s cloak (or bride’s cloak if she’s a widow) and gives her one of his own house. The septon says they’re there to join them in a union, and ties their hands together in a ritual knot. They make their final vows, kiss, and the guests applaud. Guests stand in two columns in front of the couple to watch the wedding.

- The Old Gods of the Forest: The ceremony is performed by the head of the groom’s family. It’s at night, in the godswood, in front of a weirwood preferably. The guests carry torches to watch. The bride is led by her father (or again, a close relative). The person performing the ceremony asks who comes before the old gods and a few ritual lines are exchanged where the man gives the bride. The officiator asks the bride if she will take the groom, and when she says yes, the couple hold hands and kneel before the heart tree for a moment of silent prayer and then they’re done. The groom removes the maiden’s (or bride’s) cloak, give them a cloak of their husband’s house, and carries her to the feast in his arms.

- The Drowned God: They’re officiated by a priest of the Drowned God and tend to be very solemn. Salt wife weddings tend to be more fun, and that is all we know. Since Drowned God priests seem to do their ritual work on the shore, it seems probably iron born weddings are at the beach. I wonder if they have to drown for them? Maybe they wade into the water or get water dunked all over them. We’re not sure. We’ve never seen an iron born wedding. Since the Drowned God is an offshoot of the Old Gods, they likely also have some sort of bridal cloak custom, probably after whatever blessings and ritual immersion in water is done.

- R’hllor: The ceremony is conducted by a member of the clergy. The bride is escorted to the clergy person who asks the bride to identify herself and who comes to claim her. They ask the bride and groom if they will share their fire with their spouse to be to warm them when the night is dark and full of terrors. The bride and groom jump over a bonfire built in a ditch and by doing so, their souls become one to the Lord of Light. Then the groom removes the maiden’s (or bride’s) cloak and gives her the cloak representing his house.

12) After the wedding, there’s the reception. This has dancing, music, poems, basically whatever kind of entertainment you want (which is likely regional). This is all done along with the wedding feast. There might be tourney to celebrate, but melee’s aren’t traditional (I’m sure they occur but it’s not a custom). ALSO. IMPORTANT - It is considered bad luck to deny a knight your hospitality on your wedding day.

13) At the end of the feast, the highest ranking person in attendance calls for the bedding. Men carry the bride off, stripping her clothes and telling dirty jokes, women do the same with the groom, and sometimes they might be yelling encouragement or advice outside the door (or, god forbid, witnesses). This is done to ensure consummation. Not all weddings require a bedding ceremony, but Westeros does require consummation. This seems to be a custom for the Faith, the Old Gods, and the Drowned God, so it’s a universal across Westeros. After this the wedding is over. From this point on, they are married and if you don’t like it, well it just sucks to suck. And even if the wedding isn’t consummated for whatever reason, it’s bad luck for spouses to sleep apart on their wedding night. Brides are expected to be maidens (i.e. virgins), but if the couple gets married later, it’s not considered dishonouring (sex without a later betrothal was likely the dishonour Ashara experienced at Harrenhal, as it would have impacted her marriageability - not ruined it completely, you can marry somewhat decently even if you’re not a virgin, but definitely having an impact).

14) Women may or may NOT take their husband’s name. If they’re of the same rank, it’s pretty much up to her. If she outranks him, she very well might continue using her higher status maiden name. Plenty of women use their husband’s name and in fact most likely do, but it’s not a requirement in Westeros (at least, not among the same ranked or when the woman is higher).

15) Annulment is incredibly hard to get in the Faith of the Seven - you better hope the High Septon or the Council of Faith is inclined to give you one (this is easier if its not consummated, the marriage is bigamous, there was an unbroken prior betrothal, or if the vows were made under false pretences, but it’s possible even if you’ve consummated or had children - Renly didn’t think it was impossible for Cersei to be set aside in favour of Margaery, Tysha and Tyrion’s marriage was annulled, etc) and while you don’t need to be there for it, you need to make the request yourself. It’s easier to just move apart. Or, if you’re THAT committed to getting away, you could join the Faith or Night’s Watch.

Note: It’s much much easier to annul a marriage in the Old Gods religion (and, likely, the Drowned God as well) - all you need to do is tell your spouse that they’re no longer your spouse in front of public witnesses, at least according to Elio and Linda’s correspondence when discussing The World of Ice and Fire. R’hllor might require permission from the clergy in addition, but I find that unlikely for the Ironborn, since they seem fairly independent and in many ways closer to the Old Gods simplicity. I’m not sure if there are any special conditions to make this announcement but if they exist, they would likely be similar to grounds for annulment in the Faith of the Seven (with the exception of bigamy for the ironborn - they really really don’t care about that). Honestly, even if they don’t have conditions that doesn’t necessarily mean an unhappy marriage will be annulled since that requires spitting in the eye of the family you’re trying to make an alliance with. Breaking a betrothal is messy enough, breaking a marriage is just BEGGING for trouble.

#a song of ice and fire #asoiaf #meta #weddings #game of thrones #asoiaf meta

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danbevanwriting · 6 years ago

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The Ranking of Final Fantasy: Final Fantasy II

After the runaway success of Final Fantasy, Square wanted to capitalise on it and release a sequel as soon as they could. As such, Final Fantasy II was made a mere year later for the NES for Japan only. What made this sequel special is in how little it actually resembles its predecessor. Instead of taking the easy route, Square decided to change how the combat system worked, worked in a more elaborate story with more in the way of characters, and crafted a whole new world. Very impressive work considering the single year gap. Some assets were understandably re-used (such as character sprites being close to identical to FFI) but there was a fair amount of original designs too. Of course, none of this came without a price...

All of the above sounds pretty good on paper, right? Well, I'll start with the combat system. More specifically, the leveling system. Experience as a leveling up system is gone, and in its place is a system that levels up stats and abilities with their use. So, as an example, you level up your sword skill by using swords in battle, and you level up your intelligence or MP by casting magic (magic costs points to use now rather than the charge system in the last game, which is an improvement in my eyes). Again, on paper this sounds pretty good and logical! However the amount of time it takes to level up these skills to a high degree is insane, requiring literally thousands of casts to reach anywhere close to top level magic, and each spell has to level up individually. This means if you want to cast high level elemental magic for the 3 major elements (fire, ice, lightning) then you'd have to cast each about 3,000 times. The same issue applies to the weapons too, which means that despite there being a whole host of different weapon types, you are at a complete disadvantage if you level anything other than swords, bows, or axes as most of the types have little to no late game tier weapons. This is probably why the encounter rate in this game is so high. It's far higher that FFI from what I can tell, or at least it feels significantly higher. The constant battles make the game feel like a chore to get through, draining you of your resources in game and patience out.

Another flaw with this system is that to be able to increase your maximum HP or MP then you have to take damage or use MP in battle and finish the fight. This leads to a problem with the way the game calculates the damage taken. If one of your characters takes damage in battle but you heal it up during the fight, it'll negate the damage taken and not count for the trigger to increase maximum HP. The way this is all calculated means that a common 'power levelling' tactic is to fight the weakest enemies in the game, beat the ever loving crap out of yourselves for as long as you can, then finish the fight, resulting in massive stat increases. This easy work around means that the game can become trivialised pretty easily. It also makes the game in general very unsatisfying to play as the game is either way too hard or way too easy due to a lack of balancing and huge difficulty spikes for the unprepared. Instead the gameplay is an exercise in tedium rather than being enjoyable like the first game due to level ups not feeling as good as they did in FFI nor the exploration aspect of the game being very enjoyable either.

The exploration aspect of the game is the same as the first game: world map, towns, dungeons. The world map aspect is pretty standard and follows in the same vein as the first with the same sort of transportation options open to the player. I only have a couple of issues with it to be honest, both of which are relatively minor. Firstly it's deceptively small, which means that the game requires you to back track through a lot of it with quests sending you back and forth across the same parts of the world and getting you back to a home base of sorts. Not a massive issue as it is not a bad thing, thematically, to return to the base of the resistance between missions. This does slow the pacing of the game right down though. Secondly, the map has an issue with signposting difficult enemies. For example in the last game, as the map was significantly larger, harder enemies were gated in to zones you could only get to with the use of a vehicle or tool locked behind a dungeon or boss. Not the case here. It's very easy early on in the game to wander just a little bit to too far to the West and get one-shot by enemies meant to be fought a lot later in the game. It does give the world a more hostile feeling but it's not exactly fair either. The towns that litter the world map are fine, nothing too interesting of note as they all are pretty similar, although I do like how they change throughout the game at times, such as Fynn being re-occupied by normal citizens when you liberate it from the empire and Altair showing signs of damage after it's attacked. Helping exploration a bit is the key word system which lets you learn and ask key words to certain NPCs. It is somewhat limited in scope however and isn't utilised as well as it could have, but this was a NES game after all so I wouldn't have expected anything too amazing. The fact it is in this game at all and utilised how it is is impressive in itself, honestly.

The dungeons are a different story though, and is part of the major failing of this game. You'll spend the vast majority of the play time crawling through these dungeons which take a few different shapes but are mostly caves and stone fortresses. The tile sets look fine but the way that the dungeons themselves are designed is among the worst I've ever played. They're so tedious. Not only are they complex to a fault, having many twisting paths and dead ends that provide little to no reward, but they seem to be designed to create as much ire in the player as possible. Throughout all the dungeons there are doors, either in corners or at the end of a corridor with a few of them in a row, but unfortunately these doors more than often lead to empty rooms which drop you in to the middle of them. Not only is it annoying that there's nothing in the rooms (especially when you choose the wrong door out of several next to each other, only one of which progresses the dungeon), the encounter rate in these rooms is tweaked incredibly high. This means that it is more than possible to encounter enemies with every step you take back to the door which can be lethal if you're in the wrong situation or get a bad mix of enemies. Not helping the dungeons is the boring music, which certainly doesn't negate the tedium.

The music in general is rather lackluster to be honest. The only music pieces I can think of that are good are the normal battle theme, the over world theme, and the rebel theme that plays when you're in the rebel base. Everything else is really boring, or repetitive, or just bizarre like the boss theme. Seriously, what is up with that boss theme?(https://www.youtube.com/watch?v=fprhlzyl30s) The one used for later game bosses is better but still not incredible or very memorable. Honestly that's a word that can sum up the majority of the soundtrack despite how repetitive it is: forgettable. This is where the Chocobos are introduced for the first time, but they somehow ruin that through the music which is literally just one bar long and is repeated ad nauseam, and I don't think I need to explain why that is so terrible...

The story of the game ranges from boring to 'okay'. Characters are more than mere cardboard cut-outs like in FFI but they still aren't amazingly fleshed out. There isn't much in the way of character development for the main characters, despite them being distinct characters this time around. You never really learn much about Firion, Guy, or Maria during the whole game other than they're orphans and really don't like the empire because they destroyed their home. This is a shame as they are obviously with the party the whole game and just get nothing to say really. The supporting characters aren't too much better either. Through the game you get extra party members that take up the fourth slot in your party, however you'll quickly learn that this is sometimes just a death sentence for them, or you'll learn just to simply not care about them at all. Often times the party member will come in weak and underpowered, meaning you have to baby sit them as they gain levels, only for them to leave the party forever (taking all equipment with them) or they die to save the three protagonists in a dramatic moment. While it does provide a context for the fight and shows how desperate the war on the empire is, but it's also dramatically repetitive. Of course this is a really good story for a NES game and has far more complexities than anything else at the time. But now the story is mostly just not engaging. The story is mostly predictable, characters are mostly one note, the big bad, the Emperor, is pretty flat and starts the trend of Final Fantasy antagonists either being only one part of a bigger unseen picture, or coming back from the dead because 'evil magic'. Honestly I don't think there's a single memorable character here, and there isn't much I could tell you about the ones I do remember, aside from Minwu looks cool and unique? The story starts surprisingly strong though, with an unwinnable fight to wipe the party in order to set the tone and the pace of the story is pretty snappy too, setting you off in to the world and making decent progress with exposing or routing the empire from towns and even destroying their Dreadnought ship. Unfortunately the story's pace just nose dives after that, padding the story out with a world spanning fetch quest where the story just treads water until the end with boring long dungeons and an ending which is rather flat.

In conclusion, Final Fantasy II isn't very good. It's boring, frustrating, repetitive, tedious, but also has a couple of bright spots in the premise and the idea of the levelling up system. I played through this game on the PSP/ mobile version which is far less frustrating than the original or PS1 version. In the original game on NES, the frustrating stat increase system was even more annoying with a stat degradation that would take away points from skills or stats that weren't used for a while. I think that would have made me quit the game pretty early on to be quite honest. The original also only ever let you save your game outside, and with the length of some of these dungeons combined with the high encounter rate would also lead to an ungodly amount of stress and frustration.

So how does this game compare to the rest of the series so far? Well comparing the game to FFI alone, this is a night and day difference. You can tell this game was made quickly as the developers seemed to have forgot to make the gameplay fun before they focused on telling a more complex tale within a video game. Not only is this a bad Final Fantasy, it's a bad RPG, and is the black sheep of the series for a reason. Obviously this is going to the bottom of the list, where I predict it will stay for the rest of this series.

And that's it for Final Fantasy II! I won't lie, I'm glad to see the back of it. It's part of why I took so long getting this done, I lost a lot of motivation to get through the game due to some of the rubbish the game threw my way. It's only up from here though! Just for the record too, I plan to do all direct sequels in this series too, which means I'll be reviewing and rating Final Fantasies IV: The After Years, X-2, XIII-2, and XIII: Lightning Returns. The only one I probably won't touch is XII: Revenant Wings due to me mostly just being uninterested in it. Anyway, thank you for reading, and please look forward to when I review and rate Final Fantasy III!

Current Rankings:

Final Fantasy

Final Fantasy II

#Final Fantasy 2 #Review #Retro #Retorspective #Final Fantasy II #Opinion #Final Fantasy Series #Ranking #NES

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yourlifeinsurance411 · 3 years ago

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New Post has been published on http://www.lowestpricetermlifeinsurance.com/index.php/2021/08/18/four-little-known-ways-to-save-on-life-insurance/

Four Little-Known Ways To Save On Life Insurance

Christopher Huntley

Forbes Councils Member

Chris Huntley is President and Co-Founder of Life Insurance Shopping Reviews, LLC.

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If you’re looking to lower your life insurance costs, then you’re in the perfect place. I’m going to open up my bag of tricks as a 16-year licensed agent and share some strategies that could potentially save you hundreds — or even thousands — over the life of your policy.

To be sure, there’s some tried and true savings advice out there, such as getting multiple quotes, paying annually instead of monthly, and buying term instead of whole life. But the goal of this article is to bring you savings tips that few people, even some agents, know about. Let’s dive in.

1. Ladder Term Life Insurance Policies

Most people buy a single, level-term policy that covers them for 20 or 30 years. They picture their family living in the same house and having the same needs for life insurance coverage long into the future.

But, what if your kids fly the coop at age 18? Or you retire five years from now? Or you pay off that student loan debt or pay down your mortgage? With just a bit of looking ahead, you may realize that 10 to 15 years down the line, you won’t need as much life insurance coverage.

The answer is to break up the coverage and save. For example, instead of buying a 30-year, $1 million policy, you might buy a 15-year policy for $500,000 and a 30-year policy for $500,000. You’d have the $1 million of coverage you need for 15 years. The first policy would then fall off leaving you only to pay for the $500,000, 30-year term policy for the last 15 years. This is known as policy laddering or layering.

In an article for Life Insurance Post, insurance lawyer Jeffrey Johnson estimates a 45-year-old male who is looking to purchase a 20-year term, $2 million policy, could save over $18,500 by splitting the coverage into three policies.

2. Increase Your Coverage

In my career, I’ve learned that many people search for oddball coverage amounts like $242,000 or $90,000 rather than a round number like $100,000 or $500,000. They often do this so their coverage exactly matches an outstanding debt they have, such as a mortgage or a business loan.

These people don’t know that they could actually get more coverage at a lower rate by bumping their coverage up to a nice round number such as $100,000, $250,000, $500,000, or $1 million. This is because life insurance companies price their policies in bands and charge a different cost per thousand in each band. For example, a company might charge $1.50 per thousand of coverage for $50,000 to $99,999. That would make a $90,000 policy cost $135 per year (90 x $1.50). The cost per thousand decreases as you buy more coverage. So, say that the same company charges $1.30 per thousand for the band from $100,000 to $500,000. That would make a $100,000 policy cost $130 per year (which is cheaper than the $90,000 policy).

Always be sure to get quotes for a few different amounts of coverage to see which one gives you the lowest cost per thousand — also known as the most bang for your buck.

3. Take An Annuity Payout

Let’s say you’ve researched how much life insurance you need and have calculated that your spouse would need a payout of $50,000 per year for 20 years to replace your income in the event of your passing. What most people would do at that point would be to buy a 1 million dollar policy.

Instead, you might elect for your beneficiary to receive an annual sum of $50,000 for 20 years instead of a $1 million lump sum. Since the insurance company is dodging having to pay a large claim, it will more likely give you a substantial price cut to choose this annuitized form of the death benefit. In an earlier post I wrote on another website I co-founded, I highlighted how electing a $50,000 payout over 20 years in the scenario above could save $600 per year in premiums.

Note that not all companies allow you to choose an annual payment rather than a lump sum death benefit.

4. Get A Quote From An Independent Broker

Did you know that some insurance companies price certain health and lifestyle issues differently? For example, one company may charge you 25% more if one of your parents died of cancer, while the next company may not penalize you at all. One company might charge smoker pricing if you use marijuana, which costs two to three times as much, while another company may classify you as a non-smoker.

From your weight to medical concerns, to family history, all companies have slightly different underwriting guidelines. As a shopper, you’ll want to seek out the provider that will offer you the best rate for your particular case.

Working with an independent agency can be a great way to save money. Independent agents aren’t committed to one insurance company. They can shop from multiple (sometimes as many as a dozen) insurance carriers to find you the best deal. A good, experienced agent can easily save you 20% to 50% or more, especially if you have a tough medical condition, such as diabetes or heart disease.

The information provided here is not investment, tax, or financial advice. You should consult with a licensed professional for advice concerning your specific situation.

Do I qualify?

Mike Sheehan

#Four Little-Known Ways To Save On Life Insurance #term life insurance #whole life insurance

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thesewomenrulemyworld · 3 years ago

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