#and then another 3 months where i dont have any ongoing responsibilities and can just catch up on what i already have

[arosebyan0thername]

I do think that I might have a nervous breakdown soon 🤔

[prorevenge]

How a management consultant fired himself...

I am not exactly sure if its the right section to post in as its a revenge story but not a planned revenge.

​

It all started when I made the decision to work independently after school. Me and my still best friend came up with a project idea, unfortunately I cant tell too much about as its still ongoing but not yet finished.

Anyway, it is a project with the potential to throw off a lot of profit and became somehow known in our local investor scene, thats why we had serious offers very quick and were both happy to sign a contract with a fairly big company securing us 250k to work with. (I know it sounds like a lot but it was barely enough to cover our costs the first 6 months)

After the 6 months we had to present our progress in front of the comittee of said company, we all knew them except one guy. He was a management consultant and constantly interrupted us with bullshit, ok some of his questions were ''good'', but it was mostly just bad mouthing us. Because this presentation played a huge part in keeping this project alive and financed for another 6 month, we got more and more insecure up to the point where we both thought its over. We took a short break and argued about wether or not we should even continue this presentation, we came to the point that we should continue but our hopes were crushed. (Pls keep in mind we are both young and never dealt with people that demanding, the buisness world is rough)

Right at the moment we wanted to go back into the room the branch manager came to us and told us how we shouldnt mind said consultant too much as he is the son of big boss sister and is just here cause big boss decided that they needed to be checked through. This gave us a little of our lost hope back, and we went through the second part more confident kinda ignoring C (C is consultant now I shouldve given him a nickname earlier)

After the whole event was over we had to wait 3 days until we knew if we can continue working or had to search for a new sponsor AND pay a fine for not delivering what we promised.

3 Days went by fast and we got told that they wont finance the project again and that our contract was expired. FUCK!

Well fast-forward a lot of begging other sponsors going on events and trying to get someone to support us again. We found an even bigger company who was more than happy to help us out, they immediately paid the fine (gladly our old donor didnt take us to court cause we were within the time frame) and almost doubled our old budget (I cant talk in numbers its part of the contract).

fast-forward another 2 months.

We were on an expo, where people with ongoing projects in a specific field are able to present their stuff to investors behind closed doors. It was on this event we met the CEO's of the company we worked with at first and they were interested to say the least. You might guess that C was there as well, being dragged from table to table like a little kid always nodding to everything big boss said but never getting any approval from his side. As they approached our table and we started explaining their eyes lid up. Big boss offered us 300k for a 30% share, it was at this moment Mark (a consultant from our current donor) stepped in and talked with big boss for almost an hour just far enough away so we couldnt hear it. This left us alone with C and 3 other dudes. C went on about how we just talking big but wont be able to deliver and how he already analyzed us blah blah blah, always making sure big boss wont hear him. After big boss and Mark came back they presented us a payment plan, but we declined before they finished. Mark didnt understand but he was about to. We told big boss how we think that they arent the right donor as we already worked with them (He didnt know anything about it as the branch managers of each individual office are responsible for handling the financing of projects independently). We explained how C already analyzed us and that we think we dont fit into their business model. Big boss looked angrier and angrier with every second, eventually interupting us by asking C if we tell the truth. He tried to deny some allegations, but we kept on going, talking about how he disrespected our ideas and us as persons. This left big boss raging, basically screaming....

​

Big Boss: WHAT POSITION DO YOU THINK YOU HAVE TO MAKE SUCH IMPORTANT DECISIONS

C: I..... ehm...... ugh.... but they didnt even have a diploma and this guy (pointing at me) didnt even go to university.

Big Boss: WHAT THE HELL ARE YOU TALKING ABOUT? THEIR PROJECT COULDVE BEEN OUR FLAGSHIP, WE NEED THEM ON BOARD

C: I thought you wanted me to......

Big Boss: I WANTED MY SISTER TO STOP WHINING IN MY EARS ABOUT HOW YOU COULDNT FIND A JOB

C: But I.....

Big Boss: NO I AM TALKING NOW YOU JUST SHUT UP, YOU ARE RESPONSIBLE FOR THIS AND YOU CAN BE DAMN SURE THAT YOU DONT HAVE A JOB TOMORROW. YOU LIED TO ME ABOUT (insert location of the office) FINANCING A DEAD END PROJECT. YOU TOLD ME THAT THEY WILL GO BANCRUPT IF I DONT STEP IN.

C: I thought......

Big Boss: NO NOT AT ALL, NOT EVEN A SECOND, THATS THE PROBLEM. NOW GET OUTTA HERE BEFORE I LOOSE MY SHIT.

​

After that 2 minutes of complete outrage he took a deep breath facing us and said double the first 2 months and 5% less share we just looked at Mark who laughed and said deal. We all gave each other hands C awkwardly standing a few metres away from us. Big boss faced him a last time telling him to finally get lost. C responded with how they carpooled which big boss ignored as he rang his mum and told her how she should pick up her idiot son. There he was a man in his late twenties getting picked up by his mum. We laughed at this incident as they walked away Big boss still talking with her mum on the phone explaining what her son did while completely ignoring C's begging. We felt GREAT. We knew that we didnt need to get another donor on board so we just packed and went out for a great dinner.

(source) story by (/u/ninasocean)

[thefloatingstone]

A weeked at a hotel is quiet and alone.

A long walk or a going to a movie that starts after dark helps.

A four hour or longer bath where you sit in the water helps. Even if it doesnt helps it helps. And you smell good at the end of it which is nice even when you lack appreciation for nice things currently.

Do new things - feeling trapped or in a rut or the need to escape can be alleviated by feeling like youre making some sort of progress or have control over something in your life.

Sleeping more doesn’t help. Sleeping less doesnt help. Both are enough of a change/ strain on your body that they make you think they are but really they just increase problems and make the days pass quicker or slower.

Make goals. Meet goals. Cant get to goals make smaller goals to get there.

Focus on the things you can do and help and control and if you can’t do anything about it aknowledge it and let it go.

Hydrate. Youre not doing it enough, no one is.

Eat regularly, just like you should sleep regularly and for 9 hours - your body and therefore your mind functions better on a schedual.

It may not help but i can garrentee you not doing these things makes it harder than it needs to be.

Can also play games or read or watch shows until it passes, if it passes but thats just a… Temporary solution not an actual fix action.

But sometimes you don’t need a fix action you need a distraction to be immersed in and thats okay.

Get someone to talk to. Professionally.

Friends and family can help but we’re all not really great at healthy coping - and we know what works for us or what we’ve learned but we can’t always give you personalized tips that will help YOU get through your dips.

Clean/ reorganize your room - this just makes you feels self satisfied if youre lucky and if you arent well theres a little less mess and your mind feels less cluttered if you make even a little progress. Your environment can add to the strain.

Open a window idk why fresh air helps.

Candle with a scent you like - light it. Pet fire keeps you company.

Bake. Idk why but it helps, doesnt matter what youre making but if it makes a mess for you to clean up while you wait for it to be done its a win.

Plus baked goods are nice to have and eat or give away which makes you happy… Especially since half the time you dont feel the need to eat whatever youve baked.

Blast music. Loudly. Especially dark depressing shit or especially lively rebelling shit.

Or just play classical piano in the background because it helps…. Filter. Which is nice.

It gets better. Even if it turns out to be something youll struggle with it gets better because youll learn to manage it and it can’t take away the good even if it tells you it can.

Youve survived every horrible thing thats happened to you. Youll get through this too keep that in mind.

Also watch what youre telling yourself. Something as simple as telling yourself not “i can’t deal with this -emotional pain/situation - ” but “i dont want to deal with this” can in time make it easier to get past it because youre not bogged down in trying to… Reject how you feel.

Youre allowed to feel this way. Like. You may not want to but. You do so youve got to accept it on some level in order to beable to get past rejecting reality and figure out how best to approach it.

Emotions arent unreasonable. Like. Logically you’ll say they are but youre not depressed or whatever for no reason. Either theres something effecting you or your brain chemistry is off either way there is no “i shouldnt feel this way”

So like. Really dont talk down to yourself. Or if you do at least try to tack on something like “alright try again” or idk something positive or at least foward thinking.

And remeber you’re not alone.

Reach out. Message people. Sit on silent calls and share dead air with others. You may ache like a raw nerve or feel left out or ignored or a hundred other things but just. Attempting to be apart of your friends life or just hearing another person can do a world of difference. If not… In the moment than later it def gives you something to build on.

And youre not… A bother. Youre not… Responsible for making decisions about other peoples emotional wellbeing. Theyve got to tell you ‘hey i dont/ cant talk about this right now lets just bs about whatever instead". You need help or a distraction or anything ask the people you care about.

Youre not alone and isolating… Usually makes things worse.

Like alone time can help but isolatings a different ballgame entirely and youll know which youre doing.

Hell just posting on here and asking for tips is great and Im proud of you.

Sorry if that or any of this sounds condescending - im just. Summarizing shit ive learned and tried and had to talk myself into because i really thought my mental health was bullshit and i shouldnt need help with basic things.

But people do. Like. We’re not made to fuction the way we do and we’re not taught a lot of really simple things and how they effect us or the difference between coping healthly and not.

… Fuctioning can only get you so far so long, you’ve got to actually take care of yourself you know? I mean dont beat yourself up because taking care of yourself doesn’t line up with what you think that should mean is all.

Sorry to bug and do hope you get to feeling better soon.

This is an incredibly in-depth and helpful message. Thank you so very very much for taking the time to write it out for me. I’m posting this to prevent it from getting buried

Also, again, I want to thank everyone for sending me responses and messages about this. I’m sorry I’m not replying to all of them individually, but I am reading all of them <3 a lot of you are saying the same things like taking a walk or doing some light exercise, drinking water (I haven’t been doing that enough today) and things like that. As I said, I can’t do exercise tonight since it’s late, but I’ll try and take a walk tomorrow if the weather is good. And I’ll try and get some water in me.

I’m afraid talking to someone professional isn’t really possible right now, but hearing I can just go once makes me feel a little better. I’ve never realised I don’t have to try and afford an ongoing therapy thing. I can’t do it right now, but I’ll see if I can figure something out at some point in a few months if I can.

But thank you again for your help, guys. And although I feel bad for asking... but I’d really appreciate if you guys could continue to give it. Not because I want instant gratification or anything, but just because I don’t have much support elsewhere, and I want to get past this.

and thank you for being patient with me. I’m trying, I really am.

[wnq-psychology]

How To Build Your Self Esteem

step away from the affirmations

“To be healthy, functioning individuals, we need to feel good about ourselves. To feel good about ourselves, we need to feel that our time and energy is spent meaningfully. Meaning is the fuel of our minds. When you run out of it, everything else stops working.”

Most of us struggle with self esteem. Many of us are fortunate enough to realize this, and some of us care enough to try to fix it.

The problem, however, is with the majority of the resources available to us — especially online. I am pretty sure these articles are 100% written by people who have serious self esteem issues, regurgitated from everyone else who has self esteem issues, on down the cycle to readers with self esteem issues, who think it’s just their fault for not being able to apply them and successfully boost their self esteem.

But of course not. Because none of this is how self esteem works.

First, let’s talk about what self esteem ISN’T:

Self esteem is not selfishness or narcissism

Having to say this makes me impatient, because if people don’t innately “get it,” they fight it blindly, emotionally, tooth and nail. And I understand, because there are a lot of emotions on the line here (see: entire post) so I’m just going to tread lightly and quickly when I say:

Self love and self esteem are not selfishness.

On the contrary, selfish people have desperately low self esteem and self love, which is why they overcompensate, demand, and have nothing left to give others.

Self esteem is not a series of “dont’s”

Most self esteem articles cheerily suggest things like, “Don’t have the negative self talk. Don’t compare yourself to others. Don’t put yourself down. Don’t doubt yourself,” like “just don’t have low self-esteem!”

These aren’t solutions.

The brain struggles with the word “don’t,” and when you focus on the negative, you’re still focusing on the thing. The brain interprets the sentence as an imperative, like: “ah, okay, negative self talk. Got it!” The brain is baby Groot.

The way we talk to ourself is a reflection of self esteem, not the root. It’s effect, not cause. It helps, of course, but it’s not the core. And fixing the core will fix the way we think and talk about ourselves.

Nature abhors a vacuum. If you don’t have something positive at the ready, the old stuff will just rush back in.

Self esteem does not come from others

It’s not anyone’s job to make you feel good about yourself. It can only come from you.

Some articles suggest that readers should “learn to accept compliments” — several even went so far as to suggest that you approach others and “ask them what they like about you.”

Trying to build self esteem through “others’ compliments” is like trying to learn how to walk by being carried.

Only you control of your self-acceptance and self-love.

Self esteem is not in “self help”

This is just an extension of the above.

Self help reinforces perceptions of inferiority and shame. It plays on insecurities and fabricates solutions that don’t serve real needs. It encourages avoidance.

It’s like how MayoClinic convinces us we’re dying more than it actually, directly remedies health problems. Engaging will eventually make us absorb all these negatives. We are not more powerful than what we give attention.

Self help just replaces one external influence for another. We’re still grasping for some authority figure, some omnipotent voice, to tell us what to do.

This of course includes this very post. Which is ironic, but at least honest and warm-hearted, because I wrote this only after doing tons of similar reading myself, and I write hoping we all resolve this.

Self help will never help

When I was getting my business off the ground, in the 3 dark months of “white noise” after quitting my job but before getting my first customer, isolated and running mostly on “faith” alone, someone asked me, “what kind of music do you listen to during the day?” I told them, “on good days, upbeat music. On bad days, chill music. And I know it’s an ugly day when I resort to motivational videos on YouTube.”

Those videos got me nowhere — except maybe through the day.

You want to know what finally kicked my self esteem back into gear? When I started making sales. Once that happened, I never watched another motivational, “self-help” video.

Self esteem is not about “pampering”

My god, if we could all stop with the “indulgences” and “little day to day pleasures;” if only we could stop thinking “self love” is about “treating ourselves,” or “scheduling time every day for fun and relaxation.”

Heidi Priebe said it best,

“Real self-love isn’t about ‘treating yourself’… because real self-love is less about babying yourself and more about parenting yourself.”

Good parents don’t indulge children with candy each time they cry. Good parents support, teach coping mechanisms, and gently encourage growth.

This is what loving ourselves means as well. It’s not about daily indulgences. It’s identifying and pursuing our longterm values.

Self esteem is not about affirmations

Fuck writing down all your best qualities.

I don’t know who came up with this terrible advice, but it’s pretty much useless. Consider, for a moment, the most genuinely confident person you know — do they sit down every day and write down their best qualities? Maybe they do, but I doubt it.

Confident people don’t do this. And people don’t magically become confident doing it. Only self-doubting people get stuck in this compulsive loop.

Self love is not about affirmations.

As Heidi Priebe wrote,

“Claiming to love yourself and actually doing the hard work of loving yourself are not the same thing… You can repeat a thousand affirmations an hour, write a limitless number of blog posts about how you’re worthy of love and stick millions of post-it notes reminding yourself how awesome you are on every mirror in your house, but that only gets you 10% of the way to self-love.”

Except it’s more like 0%.

The real solution is: agency, awareness, authenticity, and action.

What self esteem IS:

Step 1.) Self esteem is agency

Self love is taking responsibility.

So many terrible articles encourage readers to keep self esteem at the mercy of external forces, prompting them to “think about what is affecting your self-esteem,” and suggesting “your confidence may have been lowered after a difficult experience or series of negative life event, such as: being bullied or abused, losing your job or difficulty finding employment, ongoing stress physical illness, mental health problems, a difficult relationship, separation or divorce.”

No. To this entire list: no.

I’m not saying that bad shit didn’t happen to you — it probably did. Because bad things happens to everyone. But life isn’t about playing the victim, or comparing notes on who suffered most. Life has negatives in the cards for everyone — even the most confident people you know — and the only difference between those with self esteem and those without it is that the first group chose to take responsibility for their lives, their responses, and their actions.

So when it comes to thinking about “what is affecting your self-esteem,” the answer is always “you.”

You are in control of your self esteem. That’s the entire list, beginning to end.

you are in charge. you are in charge. you. are. in. charge.

Step 2.) Self esteem is awareness

This is super important, and we don’t talk about it enough.

Get out of your damn head. Be present.

Stop slipping away. Stop shutting down. Stop freezing and falling silent any time you’re uncomfortable, or unsure, or anxious. Stop reminiscing on the past, or thinking about the future, or wandering around, mentally, anywhere that you actually aren’t.

I wrote pretty openly about struggling with this myself, and the fact that I’m currently working on it, so I speak from a place of empathy and love.

We do this is because we’ve learned that “shutting down” offers security — it’s “easier” if we don’t engage; we think there’s less risk.

But what we give up in exchange every time we do this is moments of our own lives. Which is why, in those brief moments we pull our head out of the sand, we’re filled with panic to realize we don’t like what we’re living. But then most of us respond by seeking reassurance (see “self help,” above — “you can do it!”) or solutions we don’t take, and ultimately shut it back down.

The first step? Awareness of your breathing. Second, awareness of your body in space; what you’re physically feeling. From there, you’ll become more aware of what you’re emotionally feeling as well. Accept these emotions as they come to you.

Wake up. Be aware of what you’re doing and where you are all the time. And most importantly: be aware of what you feel and think about it…

Step 3.) Self esteem is authenticity

It’s knowing what we actually want.

This is probably the hardest part. It’s also really important.

Because “nature abhors a vacuum,” if self esteem isn’t coming from external sources, but us instead, then we have to do the work of identifying what wewant and need — in that vacuum, without regard to others. (Note: just like the “selfish” section, that is not meant to read as “without regard for others.” We should still be considerate. But able to say what we want (or think or feel or need) without having to first ask, “well but what do others want?”)

Self esteem is answering “what do I think?” without first asking “what do others think?” This is harder than people realize, especially because it’s so ingrained.

I was recently thinking about what I wanted to do for Valentine’s Day, and initially could not answer this question— did I really want to go to dinner, or did I just like the way that sounded? Did I really want flowers, or did I just hope they’d serve as some security; some certainty that this was special? Did I really even want to do anything? Sometimes we do things we don’t evenreally want, but doing what “sounds good” saves us the risk of regretting having not done something come the morning of the 15th.

(In the end, what I wanted was a cookie from our favorite local bakery. We go together all the time and they put out these seasonal designs that are so adorable I could die. And then, like a good partner, I said in clear words that that’s what I wanted.)

We do this with everything. We pick where to travel, what to buy, and where to eat based on other people — our order at restaurants is influenced by others’, and we eat more in the presence of people we’re trying to impress. We often choose clothing, cars, houses, and hobbies couched in “what others think.” And sadly, we often even choose jobs and partners this way.

Sometimes we’re asked: “What would you do if you could not fail?”

And that’s great, but an equally great question is: “What would you do if you could not tell or be told by anyone?”

Would you get married if you had to go on telling people you weren’t? Would you drive the same car if nobody saw? Would you do the same thing on your weekends if you couldn’t frame it up as “how it retells on Monday morning?” Would you vacation in the same places if nobody knew?

Would you still be doing the same job and have the same partner if you had to tell people you had a totally different job and partner, both of which they deemed “unimpressive?”

What do you want? Not just in the moment, but in the long-run. What areyour values? What is your version of long-term happiness?

If that’s too hard or scary to speculate: start with a chunk of lifestyle now. Not your leisure time, but your actual life. When, for example, are you happiest at work? If your answer has anything to do with others (i.e., “when I get recognition,” “when I get a raise,” “when I win a deal,” or “when I help others,” you need to look again, for answers that serve you.) Maybe you don’t even like your work. That’s for you to explore.

If you’re struggling here and you just want more “help” on “how to do it:” you are missing the point entirely (and probably also missing the alarm bell that should be going off in your head.) This work fundamentally cannot be done by anyone else. This work is you. Do the work.

If you are so far gone that you still feel lost knowing what you want onany level: you skipped self awareness. You’re not paying attention. See “step 2” for further instruction.

Skipping this step is why “just do it!” doesn’t help

Our struggle (and reluctance) to find answers is why “advice” like “just do it!” or “just try things and see what you like” is met with apprehension at best, and disaster at worst. (If you aren’t in touch with what you actually want, and what your happiness feels like, there’s no way of even knowing if you like what you’re trying, and without this skill set, you’ll just keep falling back on “but it sounds cool” or “it’s what people do.”)

You can’t know what you love if you don’t know what love feels like, and you’re so out of touch with your own feelings you don’t know what it is.

We have to actually know who the hell we are, and what we want. Experimenting and taking action is second-grade reading level and we’re still learning letters over here.

Step 4.) Self esteem is action

Only once you understand what you want — what really makes you happy — in the long run.

Action is about making decisions. It’s about committing. It’s about choice and assertiveness and asking for the things we want and need. It’s about taking steps, and thinking, and coming to our conclusions — and then verbalizing them.

It’s also about being aware. It’s about being alert and awake and active in our own lives — not passive, compliant, or submissive.

As Nathaniel Branden wrote in “How to Raise Your Self Esteem,”

“Living consciously means taking responsibility for the awareness appropriate to the action in which we are engaged. This, above all, is the foundation of self confidence and self-respect.”

Or, to be slightly more clear,

“The difference between low self-esteem and high self-esteem is the difference between passivity and action.”

But knowing what action to take requires knowing what we want, outside of what others want — i.e., authenticity — which requires that we take full responsibility for our lives. Which requires that we dump all of the bad assumptions and models around self love, take agency in-house, and start to build self-fueling fire of our own desire.

About The Author:

Kris Gage

Motorcyclist, Software Manager, Drink-Slinger of the South 🍻 

Reach out: http://bit.ly/2CXgcv5

[charmingstrangeness]

I'm so sorry, I missed the writing ask meme! If you still feel like answering questions, I'm sending 3, 5, 9, 15, 23!

oh pfft don’t apologize haha it’s all good! thank you for sending an ask, i’m always happy to answer!!

3. favorite line/scene you wrote this year

g o d this is so hard to choose you have no idea????? i’m just gonna drop a whole bunch of my favourite bullshit here (each bullet is also a link to the fic it’s taken from)

all of the dialogue from the oso zine fic tbh but especially during osomatsu’s narration

“It’s not Zura, it’s Katsura,” he corrects. “And yes, I would have woken you up. I’m here because I need your help.” / “I’m not a trained psychiatrist, Zura. I can’t give you the help you need,” Gintoki deadpans.

i’m very fond of the fight scene in the first chapter of the nightmares fic i genuinely feel like i did a good job with that

stealing dialogue from the iconic “that’s no moon” scene in a new hope for sakamoto and mutsu

“You’re an angry sack of potatoes, is what you are”

“Where did that idiot headband learn to play volleyball from, Free! Iwatobi Swim Club?”

the entire opening scene of the crossover fic i had no idea breaking the fourth wall to roast yourself was so much fun no wonder it’s a staple joke in gintama

5. most popular fic this year

this is actually tough bc i feel like it was distraction or pacifists are the best mediators as those got the best response overall when they were posted but i guess technically speaking by the numbers it was eating cheese before you sleep will give you nightmares. that being said tho it is a multichap and it didnt pass either of the other two in terms of hits or kudos until like, super late into the fall, and both are oneshots

(ao3 stats is putting distraction at the top of hits and kudos for 2017 but that’s because i just published a chapter of nightmares so it got bumped to the 2018 stats lol)

9. longest wip of the year

oh definitely the crossover fic - i know i’ve been publishing chapters but i have nothing written past what i’ve already published so it counts as a WIP hahaha. currently it’s sitting just shy of 14.5k words, all of which were written in the fall of 2017.

if we’re only including 100% unpublished stuff though, my longest WIP is that one gintama multichap i’ve been dying to write (aka The Long Fic). it’s sitting at about 7k words right now? damn and i’m only on like chapter 2 that thing’s gonna be a beast when i finally finish it and start posting

15. something you learned this year

mmmm probably the importance of having a personal reason to write a fic? for one thing, now that i can’t just sit in my room and write fic all day like i could in may i really need prioritize – if i’m gonna put the effort into writing something, it needs to be a story that i desperately want to exist, or a a piece that benefits me as a writing study or vent fic, or i need to be writing it for someone else (like for someone’s birthday or a zine).

also – and debatably more importantly – having a personal reason to write and publish helps when audience response is lacking. everyone knows i think it’s very important for creators to absolutely not measure their quality/worth by audience response, but as human beings who thrive on validation that is definitely something easier said than done. i learned that firsthand this summer, ironically with the nightmares fic – i had exactly zero comments on that fic for months, until i posted the fifth chapter in the fall. it was super discouraging & i came very, very close to falling into the “well obviously no one cares about this fic i should just stop writing it” hole over the summer. what ultimately saved the fic was the fact that i’d been using it as a style study for descriptive imagery and serious content. so i focused on that, and kept on writing, and then in the fall a whole bunch of people appeared out of the woodwork telling me how much they enjoyed it and looked forward to new chapters.

so yeah, that was an important lesson – even if you know you cant rely on audience response for validation, it’s still discouraging to not get any response, so a good way to get around that and finish your project is to have a personal reason for the project to exist. also, having a personal reason can help prioritize what projects you start when you have to balance your time with care.

(the other lesson, of course, is that thinking for even a second that people dont appreciate your writing is bullshit – comments i got in the fall concretely proved all my doubts about my writing from the summer wrong, so moving forward it’ll be easier to believe that people enjoy my fics even if they dont ever get around to saying so)

23. fics you wanted to write but didn’t

i had a really cute idea for a birthday fic for shinpachi but i was too busy in august to actually write it ;; i want it to exist too much to abandon it entirely so i’ll probably just write it and publish it sometime in the coming months lmao (birthdays are meaningless in gintama anyways since the characters don’t age so w h a t e v e r)

i was realllllly hoping to write another part to the drinking bet series in the fall but i didnt manage to get anything even to a WIP stage

i have like 5 ongoing WIPs that i was hoping to sort out over the fall as well. i had such high hopes for myself this fall idk why? like we all know the only reason i wrote so much in may and june was because i was literally unemployed and isolating myself after a breakup so i had a fuckton of spare time on hand. i knew i was moving in the fall and would have a job and a roommate to socialize with i dont know why i expected myself to get so much writing done lmao

[qkantyjk-blog]

No health insurance and need a hystroctomy?

No health insurance and need a hystroctomy?

my mother has been having bad bleading and cloting she has been told by a dr that she needs a hystroctomy but she doesnt qualify for the state health insurance even though she has no income and hasnt for some time. i feel at a loss i dont know what to do i live in another country and have a young child so i cant be there to take care of this. what can she do she has been ill for so long its heart breaking she live in oregon if that helps

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[jodieshazel]

Los Angeles Cannabis: Don’t Forget Your Social Equity Business Agreements

Written agreement strongly recommended.

Applicants who qualify for commercial cannabis licensure during Phase II of the City of L.A.’s cannabis licensing process only have until September 13 to get their applications into the Department of Cannabis Regulation (“DCR”). This phase of licensing is reserved for existing, non-retail, social equity applicants. To get a license during this phase, the DCR requires proof of operation in the City prior to January 1, 2016, proof of service to an “Existing Medical Marijuana Dispensary” prior to January 1, 2017, and proof of eligibility as a Tier 1, 2, or 3 social equity applicant. For more on Phase II eligibility, see here and here.

I wrote earlier this month about the unusual business relationships our L.A. cannabis business lawyers are seeing born out of social equity in L.A. It’s pretty clear that lots of applicants will go for Tier 3 social equity status (i.e., where a Tier 3 incubates a Tier 1 or 2 social equity applicant). In that situation, the Tier 3 social equity applicant has to sign a social equity agreement with the City, but little to no detail on the content of that agreement exists in the law. In addition, licensees would be extremely unwise not to maintain social equity business agreements between themselves in order to ensure mutual performance and compliance. In turn, this post is dedicated to covering the details that should be included in social equity agreements between licensees:

Mandatory Assistance.

Capital. Under L.A. cannabis laws and regulations, Tier 3 social equity applicants must provide “capital . . . to Persons who meet the criteria to be a Tier 1 Social Equity Applicant. . .” L.A. does not mandate a minimum capital allocation. In turn, it is extremely important to specifically define in the private social equity agreement the amount of money and how often it will be paid to the Tier 1 social equity applicant. The contract should also address what occurs between the parties in the event the City mandates a higher amount to be paid from the Tier 3 to the Tier 1. This mandatory financing will also render the Tier 3 a “financial interest holder” of the Tier 1 under state law, so the disclosure process to the state of that fact should be addressed in the parties’ agreement.

Leased Space. Tier 3s also have to provide certain amounts of leased space, rent-free as well as prorated utilities to Tier 1s. The amount of space the Tier 3 must secure for the Tier 1 is dictated by license and type and size as set by LA law. Current state law prohibits licensees from subleasing to each other (and state law dictates that only one license per “premises” is allowed), so any solid private social equity agreement will address the fact that the Tier 1 has to have its own lease for its own premises where the Tier 3 will pick up the rent and ensure prorated utilities. This situation opens all kinds of contingencies relative to the Tier 1 lease regarding default in rent payments by the Tier 3, indemnities, ongoing compliance with state and local laws by the Tier 1, and the list goes on and on. Additionally, if any build out or code compliance is necessary for the space, the question of who bears that cost and for how long and/or who has creative control over the process should also be negotiated.

Business, Licensing and Compliance Assistance. A Tier 3 must also provide to both Tier 1s and 2s “business, licensing, and compliance assistance.” These terms are not defined by LA, so their meaning is currently up to the licensees and should be clearly defined in the private social equity agreement. For example, will the Tier 3 undertake the entire application process or just a portion of it on behalf of the Tier 1 or 2? Will the Tier 3 cover all licensing expenses on the state and local level? Will the Tier 3 allocate a certain amount of hours per week or month to ensure that the Tier 1 or 2 is in full compliance with both state and local law?

There is no State Social Equity Program; Loss of Licensure. Where there is no state social equity program, the Tier 1 or 2 will still be personally responsible for compliance with MAUCRSA at all times. In turn, the parties need to discuss and agree on what will happen if the Tier 1 or 3 violates MAUCRSA in a way that jeopardizes the standing of their licenses. The same goes for material defaults of L.A. law and regulations.

Social Equity Restrictions. Under L.A.’s social equity laws, a social equity applicant can’t really behave like a normal business. There are a slew of situations in which, before acting, the social equity applicant has to check in with the DCR. As a result, the private social equity agreement should force the Tier 1 or 2 into constant compliance with specific social equity reporting and vetting as required by local laws.

Relationship of the Parties. Like any contract ever, the parties should be clear that their social equity relationship doesn’t otherwise create any partnership, joint venture, or agency relationship where one party can bind or create liabilities on behalf of the other.

Term; Termination. The City of LA mandates that a Tier 3 “incubate” a Tier 1 or 2 for no less than a term of three years. On grounds for termination, the parties should contemplate a mutually beneficial code of conduct that goes to compliance with LA and state laws and regulations as well as maintaining respective social equity status.

Taxes. Despite their local social equity relationship, each license is still responsible for the remittance of cultivation and/or excise taxes to the California Department of Tax and Fee Administration. Any contractual code of conduct between social equity applicants should make clear that each licensee bears the burden of tracking and paying its own taxes.

Disputes. There are likely going to be many legal disputes between Tier 3s and their Tier 1 and/or 2 incubees. For one reason or another, it’s likely that either licenses won’t issue, construction will be stalled, and/or their will be material breaches to the detriment of either or both parties. We’ve already seen this occur in the Oakland social equity program. Therefore, Tier 3 social equity situations call for a clear protocol of what to do in the event of disputes. For more on the cannabis corporate disputes we’re seeing, see here.

Even though social equity is fairly heavily regulated in L.A., government cannot cover all the business details between parties (nor should it). That’s where a well thought out, written agreement becomes incredibly important in order to curb risk and get the parties in line for success or for a more orderly break-up in the event that things don’t work out.

from Canna Law Blog™ https://www.cannalawblog.com/details-dont-forget-your-la-social-equity-business-agreements/

[gocasualrunawaycollection-blog]

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In the uk, i am 18, new driver, and want cheap car insurance. The cheapest i have found is 2500. any ideas?""

Can your auto insurance company raise your rate without notifying you?

hello, I just started a auto insurance policy with Infinity insurance. the agreed monthly payment was $403 and that is what my first bill was. this month I noticed that they billed my checking account $563. I did call them and they said the price went up because they made an error with the policy. so what I want to know is it legal for a car insurance company to raise your rate and bill and charge your account without letting you know before hand? also what can I legally do? it really does not seem legal...if I would have been notified I most certainly would have canceled my policy. thanks""

What is the insurance on a 2004 gti?

I'm under 18 i was wondering if it counts as a family car for insurance companies therefore it would be cheap to insure if it helps I have farmers insurance I just need some opinions on if it's cheap or facts and does the 4dr gti make the insurance any cheaper?

Car Insurance quesiton?

I live in Orange County, California. My question is if there is any cheap car insurance? I'm looking just for liability and would appreciate if anyone knows of the cheapest insurance. Thank You for all those that answer:)""

Where can i get cheap car insurance for a new driver?

Where can i get cheap car insurance for a new driver?

Looking for cheap & crappy life insurance?

I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement.""

Are you looking for affordable health insurance?

Are you looking for affordable health insurance?

Bussiness liability Insurance state of ga?

Looking to purchase INS. For a company that goes to car dealerships and performs work on the cars on the dealers lot . If a car has cloth they would switch it out for leather (pre made kit). No emp. Only owner. How much do we need ? Where do you buy it ? THANKS

Why do auto insurance company ask for social security number when asking for a quote?

must i give my social security number if i were to purchase a auto policy?

What heapens if I don't pay for car insurance?

I have a car, but actually I don't wanna pay for insurance any more. So what happens if I don't pay and drive without insurance?""

I am looking for a name for my insurance agency I deal in Life Insurance and Health Ins.&annuities?

We deal with all ages and alot with seniors We do not deal with home or auto insurance

How much would it cost me to get a motorbike include CBT and insurance?

I am 18 years old. I am wondering how much would it cost me to have a yamaha R1+CBT+cheap insurance. please help

I have a car insurance question (teen)?

I am a 16 year old teen just about to get my license pretty soon. I am aware of the fact that insuring a teen is incredibly expensive and annoying. my family is middle class. the car that i really want now is a 2004 infiniti G35. the car itself would be around 5-12k which i can put up most of. but my dad is not gonna let me because of the insurance of a teen driving a sports car. i know that, but i really do not want to be driving a piece of crap. i know a bunch of friends my age from my town who have 2012 sports cars i just don't get how they afford them.can someone explain to me the price of a male teen driving a 2004 coupe. and i am aware that there are exceptions such as school. if you get good grades its less.. can someone please let me know of any exceptions to help me pay less insurance.. THANK YOU IN ADVANCE..""

Auto insurance cost for teen?

I am 16 years old and have a 2002 vw jetta. I was wondering how much it would cost for insurance?

How much would a 2010 mustang cost to insure under your parents insurance and if you are the primary driver?

My dad is going to finance it so we will split up the pay I woyld pay for the car monthly which I can afford and my dad pays insurance monthly

Can I buy a car 4 months before my 17th birthday but not pay any insurance?

My 17th birthday is not until April and I've found a really good price second hand car but as I can't drive it until April is there any way I can buy the car but not start paying insurance until April? or not pay as much

Obama's Healthcare plan. Can someone define affordable?

Whats affordable for my neighbor is not affordable for me. So how does this work. Will I pay less than my neighbor? Will I be able to opt out on my own insurance and get the same Heath insurance Obama is on?

Can car insurance take money even if i cancelled the policy?

I cancelled my car insurance but they took the monthly premium and another pay ment and have not paid it back like they said they would i am now overdrawn on my bank account and getting charges!

Driving school and car insurance?

does going to driver's ed help you get better or cheaper car insurance?

16 year old insurance drive sports car?

I have found a Toyota Corolla that I REALLY love! It's the perfect car for me, cheap, low miles, good mpg. My only concern is it's a sports version. It will be my first car, so I have NO insurance right now, and I am wondering if they will even insure me for this. My brother has a ford mustang Coupe, and he is under liability. But I'm wondering what my place would be if I got a Toyota Corolla. Will I be able to be insured or not? Thanks for reading!""

Can you drive your parents' car without insurance?

i am 16 and live in Washington and I was wondering if I had to pay my own insurance to drive their cars.

indiana welfare insurance

indiana welfare insurance

Is this a Good Car for a 21 year old college student?

I'm planning to buy a 2005 Honda Civic Sedan, Automatic. How will it be on insurance? I'm also considering Chevrolet Cavalier/ Pontiac Sunfire of the same 2004-2005 year, because I've been told they're better on insurance, and cheaper cars in general, to maintain. I live in Canada. Any suggestions?""

About life insurance?

i am 35 year old and i have one daughter of 1 year.i want to take policy for myself and for my wife also.we both are in govt jobs.plz suggest me best policies

How could the health insurance mandate not be constitutional?

Excerpt from: http://www.tnr.com/article/politics/102620/individual-mandate-history-affordable-care-act?wpisrc=nl_wonk The founding fathers, it turns out, passed several mandates ...show more""

Manufactured home insurance?

Has anyone dealt with any companies dealing with insurance for relocatable homes. We are looking for an insurer of these type of dwellings

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and you answer honestly it will help you in the long run because then you will be covered for the need of that disability since your health assurance new you can since you are a smoker. but it depends on if your a heavy smoker or just smoke a few times.""

Car recommendations for college student?

Working my way up to buy a car in the next few months, so I'm starting my search now. Keep these points in mind: -Affordable for purchase -Lower insurance rates -Good gas mileage -Something that's got some zip to it (sporty) I'm mostly looking at sedans, coupes, and hatchbacks and avoiding the SUV's and trucks. Any tips?""

How much would insurance cost for a silverado?

new one 2010 im 18

Can friend get insurance on car in my name?

I gave a friend of mine a car that was my Mother's after she passed away. The title has my name on it however the credit union will not release it because there was still some money owed. Anyway since he drives the car I was told that I had to get insurance on it being in my name and just put him down as a driver. Is this true? Can he get his own insurance on the car? I am worried if he would get in an accident it would raise my premiums.

How to get off an auto insurance policy?

about 2 years ago, my mom signed me up in the same insurance as her car...i do not drive her car and never did, however, we still pay 80 bucks extra a month, i want to get off of that insurance but i hear its much trickier than it seems. The car i drive is already insured, but not under my name. Is that legal or not? I live in illinois if that helps. how should i go about removiving my name from this insurance company?""

New driver looking for cheap insurance?

New driver looking for cheap insurance?

What is home owners insurance like in Florida?

I am thinking of purchasing a home in the Kissimmee area that is around $140,000. Some people have told me that homeowners insurance and additionally flood and hurricane additions to my insurance is very very expensive. Can someone give me an example of their real life insurance price that includes flood or hurricane? Please reply only if you have first hand experience in Florida. Preferably in the Kissimmee or Orlando area.""

Car insurance for a rental car?

Hello, I was looking to rent a car for about 1 month, but finding the rental companies insurance costly than the car itself. I called up few insurance companies and they are ready to provide me some cheap basic insurance for like about $75.00/month which covers liability, other car damages; but not the physical damage of my car (they said my credit card company should cover it). I discussed this with one of my friend and he said that the rental car company would not allowed you to rent a car on the renter's insurance. Is it true? If yes, then what could be the best way I can get a cheap and covered car insurance for my rental car for 1 month. Please suggest.""

What happens if you can't afford the affordable health insurance?

What happens if you can't afford the affordable health insurance?

How much would my insurance go up?

I'm looking at getting a coupe for my first car. Possibly a 2010 Camaro or Mustang. As of now my mom and I share her car, a Cadillac CTS. The insurance for myself is about $140 a month (I'm 16) so if I got a coupe, around how much of a jump would that make my insurance go up?""

In California can you register a car without insurance?

I plan on buying a car soon and want to register it under my name but can I do this without insurance since I don't plan on driving the car AT ALL until I secure a job and purchase auto insurance. By the way, the reason I want to pay for the registration right away is because the car I am purchasing is two years behind on the registration...""

Opening a company (California)?

What does one must have to register a small company in California specializing in recruitment/staffing employment? What type of Insurance (General Liability, Work Compensation) Approximate Cost. Tax id What is the approximate annual cost?""

Minor accident no insurance ?

I got in a minor accident I'm 17 my dad has insurance but I'm not under that insurance the cop showed up and just told me I had court there was no injuries what am I facing ? My car got chipped the other car was only paint scratches

Which is the best Insurance company to invest in?

I'm doing a school project to present a stock and really don't know that much about them. I have to do my project on insurance companies either buying it or selling it short. I know that if there was a a good answer to my question then everyone would be investing in the company. Are there any insurance companies that plan on doing something that could potentially raise stock (merging with another company, changing CEO, paying a very large sum)? Also what should be some good indications that the stock is worth investing in? Thank you in advance!""

Short-term car insurance in the US?

In the following year I'm going to have several visitors coming for just a few days and I want them to be able to use my car. I'd like to know if there are companies that offer short-term car insurance.

What's the best auto insurance?

What kind of insurance do you have? Is it cheap?

Can I Drive without Insurance? I have a license and my car Is Insured under my parents name?

Okay so I really need your help.. well help from whoever has the correct Information.. So I'm 19 about to be 20 In May, I have my driver's License, and I have my own car that I got as a present for my 18th Birthday, but It's under my parents name, but anyways my question Is, Can I drive without Insurance? I mean My Car HAS Insurance just not for me. It's under my parents Name, and I mean I Need the car for school, It's not for anything more than that? what can I Do? I know I can get Insurance but It's like expensive for me that I Don't work, and I have to be making payments for my school every month, and I know I Should have a Job, But I'm a full-time student..so yeah you can Imagine.. so yes.. who can answer this?""

Cheapest bikes for insurance?

I'm 19 and want to take my CBT early next year and start riding motorcycles. Im tired of paying thousands of pounds for car insurance but need some sort of transport as i commute a lot in town for my work so a motorbike seemed the logical solution. I have been getting quotes for a few bikes and the cheapest i have got is 500 TPFT on a yamaha YBR. I like the look of the yamaha but is this one of the cheapest bikes to insure? A few sinnis bikes have come close to this price but have read mixed reviews online, would love to hear off anyone who owns a sinnis bike about what they think of them. Also the cheapest insurance company i can find is Scooters & Bikes, if anyone knows any other cheap insurance companies i would love to hear them.""

I am wondering if anyone knows what insurance would cost on a Mustang V6 for a 16 year-old female in Tennessee?

If anyone has a idea of the price range I would appreciate some input. Please don't say alot . I have had no tickets and I have not been involved in any wrecks. Thank you!

What is a fast car for a teenager that still has good insurance?

I am looking for a car and was wondering what the insurance was like on what. this is mostly for guys who own fast cars and pay insurance on them i was looking for mostly imports but i do also like some american cars. was thinking VW jetta/passat thanks

How much do you pay for car insurance?

How much do you pay for car insurance?

indiana welfare insurance

indiana welfare insurance

https://www.linkedin.com/pulse/things-look-travel-insurance-gabriel-greene/"

[iannoyinglysweetstudent-blog]

Should my home insurance subtract my deductible from settlement check for damage from hail storm?

"Should my home insurance subtract my deductible from settlement check for damage from hail storm?

home insurance has taken 3 years to settle, we had to sue them. Our deductible should not be subtracted from settlement check.

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

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I'm a college student who inherited USAA car insurance through my mom. I'm transferring to a 4-year Uni and looking for all the simplicities and money saving options available ie; overdraft protection, quick debit records, free atm anywhere, no monthly charge, online features........ pretty much everything USAA has standard. As of now I still bank with BOA, but it may be simpler and cheaper to bank with USAA... especially if they offer a price cut in monthly car insurance. Much thanks to those(asside from insurance salesmen or banking officials) with information. =)""

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Need insurance to cover pregnancy?

Does anyone know of insurance companies with coverage in Georgia that will cover a pregnancy without having to wait a year? I make too much money to get Medicaid so I really need some help. I can't exactly afford to pay out of pocket for every expense. Thank you.

What is a fast car that is in a relativley low insurance group?

Hi i'm looking for a car which is fast but not that high in insurance i have 4 year NCB but i'm only 23 and have already got 2 smashes under the belt and a speeding ticket i'm currently looking at a ford cougar 2.5 which is group 14 insurance but i have own one of these before but was just wondering if there is a faster car then this that is lower then group 15 insurance i live in the uk can anyone help.

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Hi , I'm planning to get a Mustang v6 premium 2014, I'm an international student with 3.7 GPA in High-school I have a clean record even in my country ( no accidents or tickets ) I know it's not possible to get a real accurate estimate but what I want to know if it would exceed 200$ a month ?""

Can i drive my car with an international licence and provisional insurance?

can i buy a car in the uk and insure it on my provisional licence and drive it with my international licence so i dont need to bring another driver to sit beside me during driving. the reason i'm asking the this Q is because insurance is much cheaper on the provisional licence.

Information on car insurance coverage?

I was being driven over to a friends house to pick up some paper work, I do not have a driver liceance but my friend does, when another car passed us they came to far over and forced us in which resulted in us side swiping a parked car in the street, The car belongs to my fiance and myself, I'am on the insurance as iam in the process if obtaining a permitt, she drives the car very few times, only when I need to get somewhere and her son has her car, I filed the claim and when the claim adjustor got back to me she was saying our friend may have to run a claim through her insurance instead, we have full coverage collision and all, limited tort, in a no fault insurance state, PA, ive talked with many people and been told my insurance should cover it with no problem, she cannot claim this her son literally wrecked her car 2 months back, seeings how we are fully covered and she is a very occasional driver, I was told its the first thing they will try naturally as an insurance company is try to have everyone else foot the bill first, I'am curious as I'am certain we should be able to cover it, even though she was driving it was me on the passenger side who had said she should be able to move over as I was certain there was clearance which guess not as we were pretty certain the other driver would have hit us, will a full coverage policy cover this if the car in question has the policy on it and one of the insured on the policy was in the car at the time as well? we have Infinity auto insurance, thanks!""

The Best Health Insurance ..?

Hi there folks, I am new in this health insurance business and we are shopping for one. We live in Texas. Im looking for a plan for me and my wife. What's the best plan you guys have that affordable plan with the best coverage for 2 people.What do you have and what would you recommend? And whats the best health insurance plan that is affordable and also covers pregnancy? Please do let us know , I would really appreciate your responses. Camry Lover""

Where can I get my physical done for cheap? No insurance?

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Provisional insurance to full licence insurance?

I'm 18 years old and I am 2 (and abit) months away from taking my driving test. If I take out provisional car insurance can I change my insurance to full once I have passed my test? The reason why I want provisional insurance is because I heard it was cheaper, then once I pass my test I would only have to pay 10 months of full licence insurance, correct? But anyway how much it cost me to increase my premium from provisional to full licence insurance?""

Do you need insurance to have a driver's license in California?

Do you need to have insurance in order to have a driver's license? Or can you have a driver's license, but no car, and no insurance. So i'm a minor, and my question is, If I have a CA driver's license, do I still need insurance when I don't have a car? (Insurance + Car) ....... or ........ (Insurance + License)""

""What would be cheaper, insurance wise (car title)?""

Have the car title in my own name and have my own insurance, or have the car title in one of my parents name and be under their policy as a driver to the car?""

Do you have car insurance through Costco? Did you save money?

Thinking about getting an estimate from Costco. Im a member of Costco and thought I would look into it. Ever have any experience with their insurance? I know its an outside company.

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A watershed moment in the ongoing disaster of ObamaCare,as Health and Human Services Secretary Kathleen Sebelius finally admits that health insurance premiums are rising because of the Presidents health insurance takeover, per the Wall Street Journal : http://www.humanevents.com/2013/03/27/hhs-secretary-finally-admits-obamacare-is-raising-insurance-costs/""

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Cheapest Car Insurance?

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Help me find affordable health insurance in ny state if i am not poverty level?

I need motorcycle insurance?

Does any one know how i can get cheap motorcycle insurance, im only 17 and i have a few tickets, so its not gonna be cheap, does any one know how i can get cheap motorcycle insurance?""

Can i go onto my Dads car insurance and get my own car aswell?

What the title says. Can i go onto my dads car insurance and drive my own car, instead of driving my dads?""

Where can you find some cheap auto insurance quotes ..online?

Where can you find some cheap auto insurance quotes online?

How much insurance cost for 350z?

Im 18 and i have a clean record and what does the insurance cost in wisconsin ,Port Washington . For each insurance company if you can tell me please .""

Insurance. What do I need to sell Term Insurance in California?

Insurance. What do I need to sell Term Insurance in California?

Are there any states that don't require auto insurance?

I don't like paying for insurance so I was wondering if I could avoid it by moving.

Do I need a permanent address to get car insurance and register my car?

I live in california right now with my parents but I plan on traveling the country for a while living in my car. My insurance will be expired in march of 09 and I need to be smogged around then too. I wanted to leave mid december of this year and get out in the midwest/east for the next few years and just keep traveling. Can I just use a PO box address?? I dont want to use my parents address because they like to go through my mail. All of my friends are leaving to university in differnt states so I cant really rely on any of their addresses.

Monthly motorcycle insurance in Ontario?

Hello there, I'm 16 and live in Ontario, currently have my m2, what would be my monthly or annual insurance rate for a 600cc sport bike or a vespa scooter? Is there an average rate? An approximate would really help, thanks.""

If I wreck my car while DUI does the insurance company still Fully cover it?

just a curious question. if you are drunk and total your car, nobody else or other property involved, does the insurance company still cover your car to full value? and what source do they use to determine the value of the vehicle?""

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

How can get car insurance?

Let me give some more information. 20 years old, female, live in NJ and need to buy car and insurance soon. what are some companies to use? Thanks!""

What car insurance coverage do you really need?

I have an 2002 honda civic that is worth about $7,000 with 112,000 miles on it. I have collision, death and dismemberment, uninsured motorist. I have a 1,000 deductable, but I am paying $110.00/ mo and want to reduce my payment. Is it a bad idea to drop uninsured motorist or death and dismemberment? Can someone explain what all the car insurance options are? I don't have dependents, but a already have free life, health insurance, and disablility insurance through my employer if that makes a difference. I would call my agent, but I think he must be have busy or smoking a joint out back for the last couple of weeks because he doesn't call me back.""

How can i get a car by using a cheap car insurance ?

I am in need.

Can you insure 2 cars with different insurance companies and have the no claims bonus on both cars?

Can you insure 2 cars with different insurance companies and have the no claims bonus on both cars?

Where can i get low cost motorcycle insurance ?

i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""

Does my grandmother need car insurance if she doesnt drive...?

She doesn't have a license and hasn't had one in decades. Her children drive her to and from church, grocery stores, etc. in her car bc she has trouble getting in and out of their cars. So, does she HAVE to have inurance? I would imagine if her children have insurance, then she wouldn't need it. Anyone know the rules on this?""

Local car insurance in california?

Local car insurance in california?

""If you are a teenager with your own car, how much do you pay for car insurance???????""

i was just wondering because i want to get a car eventualy and i know that it will be very high......... also for example if your 16 and you get a car from 1991, how much would you think you would play a month for insurance?""

Do i need insurance to drive parents car in PA?

i just got my liscense and was wondering if i need insurance to drive my parents car?

Where will give a young male cheap car insurance?

I know that I am statistically more likely to cause an accident than a middle aged person. However. Are there any companies that are good that will insure me on a car of about 200hp for under 1400. If i tell them I have achieved good grades and done pass plus etc as well as the fact I have never claimed on my current insurance could they give me a low quote? Thanks

Why isnt health insurance free.. (taken out of taxes)? like other countries?

with all the taxes taken out ud think that would be the most important thing... i presume its because it would hurt companies that sell insurance in some kind of way... but im not sure... can any explain to me why? will it ever change? i think of all the things our taxes pay for ... it should at least pay for health insurance ...

Tickets & Insurance Question?

I drive a 2000 Camry the insurance is in my aunts name........ So my question is if i got a ticket will the rates go up? If the insurance on the vehicle i drive is in her name will the rates go up if i get a ticket? Her name is also on the title of the car

How much is a no insurance ticket in illinois?

I've been trying to look this up, can't find jack **** on it.. How much is it?""

Should my home insurance subtract my deductible from settlement check for damage from hail storm?

home insurance has taken 3 years to settle, we had to sue them. Our deductible should not be subtracted from settlement check.

Is New York Life Insurance a good company to work for?

I have been job hunting and got a interview next week for financial adviser. I want to know if this type of job are commission based pay only and do I have to bug friend and family to buy stuff? thanks, andy""

Why are my car insurance quotes changing?

I shopped for car insurance yesterday. Today I could not remember if I I forgot a company, so I did them all again because I was bored, all of my quotes went up with some, went down with others. I double checked and I didn't change any info. So I did 3 companies within 10 minutes of each other, and they changed again! I think they pull quotes out of a hat.""

First Time Cars With Low Insurance?

I'm going to be starting Driving lessons soon and want to start thinking on what car to get as my first one so I can save up, though I don't know much about cars at all. So I'm looking for some advice on a good, but cheap, car (Either New or Used, if used I would like to know the general life expectancy from new in order to work out how long it will resonantly last) that will last me for at least 4 years and get me through my first Degree, I also would like it to have a fairly low insurance for a beginner driver as I am a college student, currently, and plan on doing my Masters (Starting next year) then my PHD, so I won't have a massive pot of funds. If anyone can help me I will be very grateful as I know nothing about cars, all my vehicle knowledge is of Motorbikes.""

How much on average would it raise my parents' car insurance if.....?

i were to get my license?

Cheapest car insurance please?

hey i hope some1 can help me out. i am 22 years. i recently passed my driving test, on the 21/07/2009. i also bought a car honda civic. 1.4l i am looking for the cheapest car insurance possible. because i am full time student. and work part time. i wouldnt be able to afford paying 2000 annually. please if some1 knows where to get cheap car insurance for new drivers, would be very appreciated cheers""

Cheap health insurance?

what is the cheapest health insurance in california? i am male 22, i do not smoke..""

Short-term car insurance?

Im looking for a company that will do short-term (preferably 3 weeks but a month is fine) car insurance for a 17 year old male with a provisional licence, can anyone recommend one?""

How much will my car insurance drop when i turn 25?

How much will my car insurance drop when i turn 25?

Health Insurance for Self employed with Maternity coverage?

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

Insurance with US license. Loophole or stupidity?

I am an 18 year old british citizen. I lived in the US for 6-7 years and got a license at the age of 16. I am now in the process of getting car insurance. and am wondering if this 'loophole' is technically legal. I can drive on my US license for up to 12 months, during that 12 months I can get a UK prov. license. take the driving lessons and do the theory/test to get my full UK license. while shopping around last night I noticed a website saying 'provisional insurance is cheap, but expect it to go up once you pass your test.' Now, I understand the reason why it's cheaper is due to the fact that you probably wouldn't be driving as much, and you need a 'known' driver with you in the car while you're driving. However, couldn't I be considered my own driver? If I have a provisional license would I not be eligable for provisional license insurance? is this legal? or am I just being a hopeful idiot?""

Question about insurance coverage?

Okay today my car was broken into at school and they shattered the drivers side window and stole my $150 radio and my $120 graphing calculator. I have full auto insurance coverage but what coverage does this fall under? Comprehensive coverage? I saw on this website that homeowners insurance would cover this but that didn't make sense to me. Does the car have to be home when the break in happened? WILL CHOOSE BEST ANSWER

Short term car insurance in US?

I am an Indian Resident and will be travelling to US for a period of 1-2 months. Am getting a good offer on a car rental but the insurance cost is very high (almost $20/day). Is there any way to get short term car insurance in US to cover a rental car for a period of 1-2 Months and pay around $150-$200/Month?

""How much is insurance for new drivers? People are saying 1000 - 3000, how can it be that much money... ?""

I am unemployed at the moment, but even with a part time job I wouldn't be able to afford that sort of money a month. I mean that is a lot of money, considering you have to also buy a Car, tax etc. Is this a true amount? I am 22 years old ( nearly 23 ) and I am planning to start my lessons, but I wanted to find out how much it would be to run a car before I started lessons. So I searched for Insurance, Tax, Fuel etc, and the prices for Insurance that people were saying on forum's were crazy! Is this right? Can it really be correct?""

Mustang GT for a teen? insurance question?

When i graduate from highschool my dad is going to buy me a mustang GT 2005 and i was wondering if it was a good choice. when i go to college i am goin to hav a job so will i be able to afford a mustang insurance? How much will it run about (estimate). Thx in advance, ~Key key24~""

Where can I find cheap car insurance for young driver's in Ireland?

I am an 18 year old guy,and I can't find any f****** reasonable motor insurance,because whether I'm 18 or 80 I'm not paying 3/4k a year for a 'in case' situation which is most likely never going to happen-i.e a crash.Because I only see driving as a form of driving,not as 'fun' or showing off.But I need to have a car to travel.""

Who owns Geico insurance?

Who owns Geico insurance?

How much will it cost me to insure monthly a Porsche Boxster 2.5 2dr Roadster 1998.?

Saw a very good one, will like to have an idea of how much it'll cost me before i dive in. Thank you.""

HELP!!!! Insurance company saying I owe money after a car accident that happened 2 years ago! What do I do?

2 years ago I got into a 4 car pile up accident. The accident was my fault. After the wreck happened, my insurance company took care of all the people who were involved in the wreck but me because I had only liability. No one was hurt in the wreck. I recieved a letter from my insurance company that I owed them $700.00. I paid it and they told me everything was taken care of and never heard anything about the accident. Now 2 years later I get a letter from the Credit Collection company saying I owe them $82,000 dollars!!!! WHAT SHOULD I DO?!?!? How do I find out what they want me to pay so much money for??? and what do I do if i cant pay this!? there is NO WAY I can afford to pay that much $$!!! How do I keep my credit from messing up or is it already messed up since the collectio company sent me a letter??? PLEASE HELP! anyone who knows anything about this or has been through this...""

Medical insurance?

does medical insuance cover eye exams and eye doco visits for glasses too

Car insurance when buying a new car ?

Hello,i have seen a used certified car online and very much interested in haggling with the car dealer to buy the car,but my problem is,i have heard you need insurance coverage on the car before the dealer will let you drive off the lot with the car.So my question is how do i go about this when i havent yet selected or bargained for the price of the car before purchasing.I am driving 2 hours to-and-fro to get this car and cant afford to go home without the car the day i go to the dealership.How do people go to car dealerships,haggle on any car they love in the showroom and drive home the same day? I cant buy insurance that i may not need( example buying insurance on a 2009 car,but later get a good deal on a 2010) Any help on how to get the car insurance issue straightened out before i go haggling for cars?""

What is the cheapest insurance company?

Ok so I'm 16 years I have an 08 Kawasaki ninja 250 and I live in rural California what should I expect to pay for liability only

Where to go for cheap car insurance for first time driver in Miami?

Where to go for cheap car insurance for first time driver in Miami?

""21st Century, mainly for the reduced rates with the same as other carriers?""

21st Century Insurance Company is a quality, affordable carrier for automobile ... At 21st Century Insurance Company, we understand how complicated buying auto insurance can be....I'm thinking of switching my auto insurance from GEICO to 21st Century, mainly for the reduced rates with the same coverage. Anyone has any experience with ...for a quote go to http://www.quoteinsuranceauto.com""

How do I get individual health insurance quotes for North Carolina?

I am currently living in New York State and am considering moving to North Carolina. How do I get individual health insurance quotes while still living in NYS? All the websites ask you to provide a North Carolina address which I do not have yet. Thank you.

Need a car with cheap insurance...and ideas?!?

hello im currently doing driving lessons and once passed need to get a car (obviously..lol) we are currently unemployed so only have 100 max to spend monthly on car insurance & petrol (although we shouldn't need to put much petrol in tbh..or could sacrifice some every now and again!) but we need the car to find a job - catch 22! once we have jobs we obvioulsy be able to afford more. wondered if anybody could suggest any cars? we have a 10 month old son so would prefer back doors... thankyou in advance :)

Should my home insurance subtract my deductible from settlement check for damage from hail storm?

home insurance has taken 3 years to settle, we had to sue them. Our deductible should not be subtracted from settlement check.

https://www.linkedin.com/pulse/manulife-term-life-insurance-quote-michael-jones/"

[optimisticpoetrypost-blog]

Question about auto insurance.?

"Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

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

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How does a car insurance work?

So the other day i hit an 06 mustang and it left a 1 inch dent it was very small i exchanged info and all then the lady called me and told me the damages were $1008 my insurance said they are going to go check the car to make sure, i was just wondering the dent seemed like a $250 dent will the insurance give them what they say or what the lady says its supposedly worth?""

Should Insurance companies be forced to protect against preexisting conditions? Buy Ins after car gets stolen?

How much would that add to the insurance premium if they had to pay out for preexisting conditions? What if you totaled your new corvette and bought insurance the next day. How soon before the insurance companies went bankrupt and we had to go to the government option. (Where you would be forced to drive a Yugo in order to qualify).

Would you be in favor of health insurance plans that cost less but force you to make lifestyle changes?

I saw somewhere that an estimated 90% of diabetes, 70% of heart disease, and 60% of cancer cases are directly related to either obesity, sedentary lifestyle, tobacco use, or drinking outside of moderation. For the amount of people that whine about drug prices, insurance costs, and drug bills, 1 out of 3 americans is overweight, something like 1 in 5 americans over 50 or 60 or something are diabetic or prediabetic (each case of diabetes costs an average of $10k per year in treatment and complications), and about 1 in 3 die of heart disease. People do not take personal responsibility for themselves, and they cost society a lot of money. Would you support an insurance plan that would be lower cost, but would drop your coverage if you developed a chronic disease like diabetes or something, and failed to get your weight down to a certain goal, mange you condition, etc. or maybe COPD and maybe you would have to quit smoking within 6 months, etc etc? Would you join the plan? Is it fair?""

Should I shop for better car insurance rates?

I am looking to buy a new car. It is a 2005 Pontiac Sunfire. I live in Wisconsin, am 29, and have an excellent driving record. I need full coverage, and called my insurance agent (Progressive- which I've been with for over 12 years) and they said, for an average, about $500 every 6 months. Is this a little high or is this about average. Are there any other car insurance companies that might offer better rates?""

""I'm 16 with a permit, can I get a car and insurance in my name?

Im a girl. I'm getting a car in may.. But I'll only have a permit. Will I be able to get insurance and a tag and stufff on my car ??

How can I find out the legality of an auto insurance advertised online?

I''m shopping around for my car insurance online and I don't know how to find out which one is good legally. Please help.

Car Insurance different address than car registered address?

Hi, I have insured my car on my friend's address because his postcode turns out to be very cheap for my premiums. My car and Driving Licence are registered on my home address but when I buy insurance on my home address it goes double. Do you think insuring my car on different address is wrong? What if I get my car registered on to my friends address same as my insurance policy? Would that be safe and legal? Please help me in clearing the confusion and doubt.""

What would be the best option of the mortgage or life insurance in case of serious illness? ?

Also if two people are on the mortgage do they both need separate insurance or one will cover them both?

Car accident cause my current insurance to go up?

I had an accident a few months back which I was not at fault but caused my car to be written off, I bought a new car yesterday and wrang up my insurance company who said that since I had an accident that to change the insurance over to this car for my remaining 4 months insurance would cause my insurance to go from 166 a month to 240. The car is a lower insurance group so it shouldnt have changed my insurance. I don't understand why I have to pay more? If my car hadn't been written off my insurance wouldn't have increased until the following 4 months so how come when I change my car they decide that I have to pay so much extra a month now?""

A good hatchback car for 1000 with a cheap insurance for young people?

I've been looking at so many cars and I really don't think I've found one really worht the money I'm looking for a car that's not old All I have seen is a Rover Metro and Peugeot 205/306 and some others but some of these car are still too old I just really want some good advice, thanks :)""

Best health insurance for 22 yr old?

Okay so right now I have insurance through my job and the insurance really blows (for lack of a better term). Every time I go to the doctor I end up paying a couple hundred dollars for the tests they have to run (I'm a girl so I go once a year). Plus they don't cover hospital visits (had to go the emergency room and me insurance didn't pay a dime so I had to pay $500 out of pocket for the visit). So I was looking into getting my own insurance but I am not sure which one I should get. I live in Arizona and I am a 22 year old female. The only time I go to the doctor is for my yearly gyno visit and if something is really wrong (which is very rare). I would also like a vision and dental with it too since I go to the dentist once a year along with going to the eye doctor. So any suggestions would be nice :) Thank you in advance.

Why is it so difficult for me to get health insurance?!?

Im 23 yrs old in Maryland and Im trying to buy my own health insurance for the first time. I havent been to the doctor in so long so Ive been having issues lately with my seasonal allergies. During this past year I went to an ENT specialist without insurance to get medication/prescription for a sinus infection and paid cash. The ENT specialist recommend I get sinus x-rays if the medication didnt clear up the problem. I am still having issues with it so I decided to apply for insurance so I could afford further treatment. However Ive applied to 2 places, both companies called me for an interview where they asked me a bunch of questions over the phone about any treatments I received or have been recommended to have. I have been declined twice with them saying get the recommended treatment done then reapply WHY??? OMFG I dont have a serious ongoing illness why are these people giving me such a hard time???? =( What do I do?? Thanks.""

Medicaid insurance with another insurance?

I was wondering what the qualifications are for Medicaid. Specifically, I have UBH insurance...since I have insurance already, would I still qualify for Medicaid? I am 19 years old and live on my own now.""

""What is the average car insurance premium in Mississauga, Canada?""

Hi, Can anyone please provide an realistic figure of how much it would cost per month towards car insurance in Mississauga. Checked in the below website and gives a high spike in rate : $600 CAN per month ! https://www.kanetix.ca/auto-insurance (Given 5-6 yrs of clean driving history in US)""

Health Insurance and Lost Wages?

I'm going into surgery for my meniscus being torn during a skiing accident. However, I am a waitress and will not be able to work for at least 2 months. My employer has told me that I will have my job when I return, however I seem to be at a loss as to what I can do to try to recover lost wages.""

Exactly what did Health Care supporters mean by affordable Health Care?

I talk to many that say much of their income is going to Health Care. Will Obama care really bring affordable health care to those who cannot afford it? This seems a little confusing?

How much would these cars cost to run per month?

renault clio 1.2... citron Saxo.... corsa (old) including tax , m.o.t and insurance and watever you have to pay for :) x""

How do I challenge my auto insurance company's appraisal of damages to other car in an at-fault(my) acci ?

I read-ended another car at an intersection. Both of us were stopped at a light. When the light turned green, the other car started moving and immediately slammed on brakes. In the meanwhile, I had taken my foot off brake and hit the car (at < 5mph). The other party has filed claim for $1350 for damages and also for unknown amount of bodily injury. There is not even a mark of any collision on my car (as the speed was low). My insurance company has agreed to their claim related to damages and is waiting for the exact amount for the bodily injury claim. This has been quite unfair to me and will definitely bump up my premium like crazy. Is there any way I can challenge my insurance company's appraisal of the damages ? Are there any other alternatives ? What kind of evidence would I need to furnish for the same ? We had called a Cop to report the accident. I wanted him to note that the impact was at < 5mph. However, he refused to do that saying that this would be left to insurance""

Cheapest type of insurance for 17 year old?

iv heard of black box insurance but this doesn't appeal to me most? so what companies or types of insurance are cheapest??

What is the cheapest van insurance for a 18 year old with no previous insurance with a full lience?

What is the cheapest van insurance for a 18 year old with no previous insurance with a full lience?

What do you know about car insurance / car-totaled?

What is the law? You have a car; it is rated @ $3,800.00 book value. Another driver hits you in the rear at a Pa. borough crosswalk as you are traveling through and have stopped for a person crossing the street. You are nearly pushed into the pedestrian, but thankfully you were able to stop your car in time. The other driver is in the wrong of course; but how much does the offending driver's insurance company need to pay to fix your car? I'm having a problem - my estimate is $3,277.00. I am told to look for the car to be totaled and 80% of the book value is what the insurance company is required to pay. Does anyone know is this is true? This car is a 1999 but only has 58,000 miles on it and is in mint condition. I have owned it for 4 years and during that time have not put a penny in it for parts & repairs. To get another, I would take a great chance on getting one which is not nearly such good quality. I'm wondering if the insurance company has a maximum that they will pay for repairing - if so maybe I could add a little to it so I can keep this car? Didn't appreciate it so much until after the accident!!!!""

How Much is this Emergency Room Visit without Insurance?

My aunt got really loopy yesterday after hearing bad news and i took her to the emergency room. They took her blood pressure, pricked her finger to test her blood sugar, the nurses/doctor asked her questions, and they gave her an anti-anxiety pill. That was it. No xrays or anything else. it took about 3 hours all together with the waiting. would this still be about 500 - 1000 bucks?""

How much is car insurance usually in UK?

I live in London and don't have a clue about this thing but I just passed my test at 29 and hope to get a decent looking car that has had a previous owner and don't under all this quote business. I've got about 2670 to spend. So half of that will be for a deposit. How much do most people spend on insurance a year and what would be a cheap price range for me to look for? How much should it be for a month?

""Insurance price for dui, speeding and driving w/o license?

big predicament i got myself into... now i would like an estimate if u know how much insurance would be with these convictions. my previous premium for my 2006 car was approx. 800 for 6 months... thats with clean record... now how much u think it would be now? if im going to do this legitimate i know im gonna have to pay an arm and 2 legs...crap.. any suggestions at all would be very helpful...

Two insurance on the same car?

My dad has insurance on Saga and his policy ends beginning of October. I (age 19) wanted to insure on the same car from June till October but saga wouldn't let me (since I'm not 50). Is it possible for him to take another insurance from June onwards for a year and add me as a second driver till October and the take me out - while keeping Saga/s insurance running at the same time??

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

Can you have two insurance policies on one car?

My Dad has a classis car, I would like to use this car for a weekend, but as i am only 19 I cannot have classic car insurance so I cant go on as a named driver. Is there anyway I can insure this car for a weekend?""

Cheap car to insure-young driver?

I'm 17 going on 18 and was looking at cheap cars to maintain and insure. I was really interested in the mini cooper s and new vauxhall corsa. Any opinions or suggestions? Thanks in advance

""Life insurance, how much is the cost?""

for 500,000$ insurance, for my family should something happen to me. i don't want my family to get in any trouble should i be gone. where can i get some estimates?""

How much on average is insurance for an audi a3 convertible?

How much on average is insurance for an audi a3 convertible?

""Which is worse: increased taxes, or a high insurance premium?""

http://www.usatoday.com/money/industries/health/2009-09-15-insurance-costs_N.htm for some reason, I'd pay any tax to fund socialized medicine thrown my way rather than pay $13,375 a year for a family of four. and you'd be crazy not to yourself. and besides...the tax would never be 4,824, which is the average a single person pays per year.""

How expensive of a car can i get if im military?

I'm looking ahead into the future a bit but in about a year i will be an E3 in the USAF. I will be bringing home about 1700 a month before taxes, so about 1300-1400 after taxes. I only have about 100 a month of bills and obviously live for free(housing and food). I was wondering, how much of a new car can i finance through a dealership. I have about 1000-1100 after i set aside some money into the bank. So that leaves me about 1000 a month that i could set aside to car, and insurance. I know my insurance will be pretty high, but i was wondering if anyone has any first hand experience as to how much of a car i'd get approved for. BTW: I have good credit, i dont have anything big on my credit report, but ive had credit cards, and cell phone, and furniture and insurance payments for about 3 years, and never had any problems with payments. So my credit is good with what i have, but i dont really have anything big so i would need a codigner if i were to try and get a car today. But from what ive read dealers usually approve anyone in the military, and especially if they have decent-good credit. THANKS!!!""

""I have a company car, who should pay for the car insurance?

I have a year contract with this company and they are giving me a car for the duration of my employment. they told me i can use it for personal as well as work use. they told me i have to pay for my insurance though. is that fair?

What insurance plans are available in hawaii?

What insurance plans are available in Hawaii?

How to buy a written off car from the insurance company's?

I am looking to buy a car but i don't mind buying a written off car. Cos they cost less and you get more for your money, Does any one know how to buy it of them? How to get in touch with them, I would appreciate your help. Thank you""

Insurance for quad biking abroad?

I'm going on holiday in a couple if weeks and have already bought travel insurance that covers everything apart from the use if quad bikes. It's likely that me and my group will want to use them at some point, and I'm wondering if its possible to either buy insurance out there, or buy insurance online for quad bikes only. I don't want to buy a whole new insurance policy as this will cost another 20, and I am already covered for everything else. Thanks.""

What Cheap car insurance do you use?

What car insurance do you use?

How much would I pay for motorcycle insurance in Hawaii?

How much would it cost to insure a 500cc or less motorcycle in Hawaii for a full-time female college student with a 3.0 or better GPA who is 19 years of age and single and has one speeding ticket on her record? I would just like a ballpark range to work with so I can decide whether or not I want to buy a motorcycle for going to college and work while I'm here in Hawaii. I passed a motorcycle safety course and have my M1 license. I want to know if I could afford the insurance.

Car Rental USA Insurance?

I am getting really annoyed with trying to get a quote for car rental in USA. For basic rental I have been quoted $200. But then there are all the insurances: Loss Damage Waiver (LDW) Supplemental Liability Insurance (SLI) Personal Accident and Effects (PAE) What do I actually need to have as they are really expensive!!! Adding just the first two takes my rental up to $500. I am very confused. What legally do I have to have? Someone told me the US insurance is strange cos you can get sued for an accident and end up paying thousands of dollars out to the person you hit. Can I just get insurance through my own car insurance here in the UK rather than paying $300 dollars??

What is the average insurance costs for a food truck small business?

The truck would serve hamburgers and grilled sandwiches and would be operated by the owners (no employees). It would operate only part time during summer months (maybe 50k/yr revenue).

In CANADA - Why is car insurance cheaper for women?

I understand that women are less liability statistically, but to base car insurance rates on gender is a violation of the Charter of rights and Freedom - despite the fact all regulations, policies and laws are suppose to be constituted by it ... One of two things can be the case, either: 1) The Charter is a piece of paper as important as the toilet paper which I use to clean myself after excrement. 2) There is something which I am not understanding. Someone please offer a good explain and ill give ten points.""

Please Help...Will i be able to get any health insurance?

Im a 21 yr old female, who benefits from deferred action. im currently working two jobs and going to community college. money is TIGHT. i know being protected under deferred action will not provide me any health insurance help but can i still be able to get ANY help? im a type 1 diabetic as well and the cost of insulin and doctor visits skyrockets every single time. i live with my parents but i dont receive money from them. i guess long story short. can i get any type of health insurance? if i dont die from diabetes ill die from the cost of it hahaha. i live in Southern California if thats any help. thanks in advance :)""

How much would insurance cost me on a 2008 Mustang GT?

I'm 17, I've never had a ticket. If I were to get it under my mom's name with me as a driver, how much do you think it'd be?""

Are you required to first get an estimate from your insurance for car repairs?

I recently got into a car accident and I'm trying to get repairs done. Do I have to get an estimate of damages from my insurance company first or should I go ahead and get estimates from an auto shop? I've heard that if you get your car estimated by the insurance company first, they tend to overlook problems and try to write you a quick check and normally won't give you more money if more damages are found by the repair shops. But I don't know if I'm supposed to get my own estimates first? What should I do? Thanks!!""

""If my car was severely keyed, and i want insurance to pay for some of it, will my geico insurance rate go up?""

psycho ex bf keyed every single panel of my jeep, including F^&* you and cya boo and a couple of X s. fml. there's no way in hell i can pay for it on my own but it is so embarassing. if i try to get insurance to pay for it, will my rate go up?""

Insurance for 18 year old in cooper s with 1 year ncb?

Im 18 with one year no claims, looking to buy a Mini Cooper s, anybody recommend any insurance companies or had any quotes or advice would be good thanksss :)""

Car insurance for teens. Do I NEED to be listed on my parents policy?

My parents have triple A auto insurance and I have recently gotten my drivers license. I have tried to research the requirements for insurance by law on the California DMV website and the most concrete statement I found was some numbers that cover various damages and injuries (DMV website is not working properly so I cannot look it up). My parents insurance obviously covers the basic and more. However, my parents policy states that Any relative that has consent of the owner to use the insured vehicle is covered by this policy - These are not the exact words as I don't have the policy on me, but it is pretty damn close. In the definitions portion of the policy, it states a relative as anyone related by blood, and some other stuff. I am my parents son so I am obviously related by blood, thus their policy coverage extends on to me when they give me permission to use their vehicle. I did not find ANY California laws that required me to be on the policy. i only found information that said I only need that minimum coverage which my parents policy does provide. We did contact triple A about this and they did not give us a reasonable answer. All they said was that they WANT my parents to add me because THOSE ARE THE RULES. Seems like they just want more money in their pockets. Can someone give some advice? Thanks.""

Minor car accident without insurance?

I caused a scratch. But I don't have insurance by that time. What am I supposed to do? Go to beg the old lady stop claim insurance company but solve that privately? But she already reported to insurance company. Can she withdraw the claim so we can solve privately? Any other choice?

How much more would insurance cost if I bought a used 2005 VW beetle with a convertible top versus a hardtop?

Thanks!

Is it illegal to apply for car insurance at a different address?

My cousin has only just passed his driving test and is struggling to get insurance due to the area that he lives in. (I'm not sure whether he CAN'T get it or it's just really expensive) Anyway, he wants to know whether he can register it in his name but at my address as the area that I live in is a lot cheaper. I told him I'm sure this could be classed as fraud but he said it's not. Could anybody shed any light on this? Which one of us is right?""

When you buy a new car ... does it come with insurance?

someone told me that after you buy a new car .. the dealership gives you insurance for a month until you get your own. is that true or do I have to get insurance before I buy the car?

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

Looking for car insurance in Michigan?

im 19 years old and me and my girlfriend are looking for an apartment together and we need car insurance. i looked around and cheapest i could find is about $200 for plpd. where should i look? is there any chance i can get it around 100?

Cost to Insure Skyline.?

got a R34 GT-r. maybe thinking about downgrading to a GT-s R33 cuz i the insurance is a little ridiculous. $640 Thats full coverage and im only 19 :P turnng 20 soon. Which would be more to insure and what you think it would cost to insure the R33? I do have 1 speeding ticket and one wreckless driving back when i was 16.

Getting Health Insurance?

I recently moved to New York City and the health insurance is expensive here. I was living in Virginia with my family and they still live there. Can I apply for Virginia health insurance, even though I'm living in NYC?""

How long can i drive without a car insurance ?

lets say i bought a new car, can i for instance drive it for a week without having a car insurance ?""

How much on insurance do you think this car would be?

Hey everyone, A little background on me first. I'm 18 and a female. I work at Popeyes (maybe Kohl's soon) and I am looking at getting a 370Z Nissan. The car ( with the features I want done to it ) costs about $45,000. I'm just wondering how much insurance will cost and if I can just stick with Popeyes or have to get a second job. I wont be getting the car till another 3 months because I need to save u for a down payment but I didn't know how much insurance will cost. If you guys have any clue please let me know. Thank you so much(: -Tayson""

Online car insurance quote?

My husband and I are looking for ways to cut back spending. We wanted to look for better car insurance rates so we looked online and got a quote that was considerably less (about 700.00 less a year) with the same deductibles and options we already have. My question is ... has anyone done this and had good luck with it? And does this to good to be true rate increase after they real you in? And what is a good company to go with?

Would a 4 door suv be cheaper on insurance than a 2 door suv?

well called an insurance company the other day, the person on the phone said it doesnt matter how many doors there is on it, it depends on the make and model.I dont know if she just thought i was talking about a pick up truck or what but shes has me confused i appreciate the help.""

Will my insurance go up?

My brother got a ticket while driving my car, will that make my insurance go up?""

Can I own my car and insure it on my dad's insurance? Please help!!!?

My dad currently own my car. I'm older now, and have been borrowing his car for college and work. I am planning on switching the car into my name. He wants this also. But I believe it would be cheaper for me to stay on his insurance and pay him for my portion. I did this for the past 6 months but he still owned the car. Is this legal in California? My boyfriend does it with his mom, owns his car and goes through his mom's insurance, but my dad doesn't believe me that it's legal and fine. I need some proof to convince him that this is the best way to do it and that it's legal. Please, someone help me!!! Thanks!""

What's the best company to get individual health insurance? What organizations offer group health plan?

I am talking about health insurance that covers doctors, prescriptions, and hospital expenses.""

Car Insurance question - Do you own your home?

We just got married and the house is in my husbands name, even though I am on the deed papers as well. I am just applying for a car insurance and I'm not sure what to answer to that question... Any advice please?""

Which brand of car is cheap to buy and insure for a 19yr old who has just passed?

i live in UK, London. im guessing something small would be cheap like a vauxhall corsa, but are ther any other alternatives because everyone i know who passed has a corsa. i want to be unique...kinda. also what price would i be looking at? anything under 500?""

Motorcycle insurance?

what would be a reasonable monthly rate for motorcycle insurance? For an 18 year old male, with a 125cc honda CL125S two-seater. In Pittsburg, PA. Looking for low-end prices.""

""What would be cheaper, insurance wise (car title)?""

Have the car title in my own name and have my own insurance, or have the car title in one of my parents name and be under their policy as a driver to the car?""

If Im late 4 days on my car insurance payment will they terminate my policy?

There was an unexpected illness in the family and I am going to be about 4 days late paying my auto insurance bill. How will this affect me? will they cancel my policy? will they charge me an extra fee? any help is appreciated...

Where do i go to see a physician without any health insurance in California?

Hi , I'm 21 and I don't have any health insurance, I want to see a physician so I can get more information on estrogen pills because I want to have smoother skin and look more like a girl than a man but i still want to keep my man-hood . Can anyone help?""

Will my car insurance premium go up?

I just recently hit a deer and the only car damaged was mine. I am covered under my policy b/cause I had comprehensive. Here's my question: Will my insurance premuims go up if I use the dealership's auto body shop and not the insurance company's auto body shop? This is the first claim I have had with this company and I have been with them for over 7 years.

Best place (in australia) to get car insurance???

hey ive just finally bought a car now i want full comprehensive insurance weres the best place to go through? like aami,racq,nrma,real....etc thank you.""

Will 'fail to stop at red light' for 1st time affect my GEICO insurance rate ?

I just switched to GEICO last week and unfortunately got a 'fail to stop red light' citation from SoCal DMV... they required me to pay 480$ for the ticket and 535$ + course fee for traffic school if I need one. I really don't want to pay for the traffic school but afraid it will affect my insurance rate later. currently I am paying 760$ every 6 months for full coverage on 2 mid-size cars. Could anyone give me some idea for this? PS: I had 4 years driving experience and kept clear record with allstate before getting this ticket...

Car insurance denied claim because they cannot contact its insured.?

Hi. On April first, my neighbor hit my dad's car in our neighborhood. Our garages are facing each other, and my dad was going backwards to get out of our garage. He was already in the street and he was ready to go in his way. Suddenly, our neighbor back out from her garage very fast and hit the driver door of my car. She didn't stay in that position, she moved and my dad did the same. The white bumper of her van had no visible damages, but my door needs to be replaced. Also, there is white paint in car in the place she hit it. We asked for her insurance, but she didn't have it in that moment. We wrote the plate number and took some quick pictures. I called my insurance to report the accident. In the night, when she returned home, we asked for her insurance, but she refused. We called the police and she agreed to give us her insurance information. In fact, she wrote the information herself. I called her insurance(Geico) the next day, and she had already made a claim, and she only said she didn't hit my car; she didn't give more details. My dad gave his version of the accident with a lot of details, but she didn't do it. Her Insurance tried to contact her, but there is no answer from her. I see her everyday, so I am sure is not responding on purpose. Now, her insurance called me and told me that because she is not responding, there is no way to confirm she was involved in the accident. therefore, they denied liability. I was shocked because they took that decision only because they cannot contact her. They didn't came to take pictures of the place or the cars. So, I tell them I was going to send the pictures I took. I did send the pictures but now, the adjuster is not in his office, and he will be back next week on Thursday. Right now, I don't know what to do, I could pay for the reparation of my car, but I don't believe that's fair. Please, if someone can guide me with this case. What can I do?""

""Does anyone know the best car insurance companies for young people, in the UK?""

When I state best I mean cheapest for a young person. I'm twenty-one in a few months and looking to drive soon but insurance is steep, I found some good companies but just curious to know if there's a specific good one. Any suggestions?""

Why did so many Liberals run away from the ACA as soon as they found out that they'd have to pay for their own Affordable Health Insurance ?

Why are so many Liberals running away from the ACA they declared that they needed so desperately as soon as they found out that they'd have to pay for their own Affordable Health Insurance ? I don't get it ?......Liberals asked for Affordable Health Insurance not Free Health Insurance so why are they running way from Affordable Health Insurance now like it is the plague and even opting to pay a fine rather than buy Affordable Health Insurance for themselves /

Repayment of my health insurance premiums?

I received a letter in the mail a week ago, and can't locate it now. It was explaining as to how there is a government program in place to reinburse for health insurance premiums paid if someone in your household gets NC Medicaid? Anyone know about this as for the life of me I can't put my hands on the letter. Any insight would be helpful. Thanks.""

Should I Get Title Insurance?

I have an opportunity to buy a lot near a lake in Missouri from a lake association for $300. There has been no other owner of the property in the past 30 years or so (since before the lake itself was created and the association was established). As great of a deal as this price sounds, I have the option to pay another $125 for title insurance. Would it be worth it to pay for that insurance considering the amount I am paying for the lot itself? Also, I am not planning to build on the lot any time soon, I just want it to allow for access to the lake and the priveledges of the lake association.""

Can insurance brokers be trusted?

I am getting my first car insured and am thinking about going through an insurance broker because of the cheap price....

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

Is there a significant difference in auto insurance rates when males turn 25 years old?

I had a friend who worked in auto insurance for a few months, he said that it is all a myth, which is hard to believe. I live in California, and I wanted to get a nicer car when I'm older but insuance is going to be a killer.""

How much will it cost to replace my alloy wheels wih normal wheels/tyres?

My fiat punto has non-standard alloy wheels and they're making my car insurance too high. How much will it cost to replace them with normal wheels/tyres?

How much cash will be taken due to the Affordable Health Care Act?

I ask how much cash will the IRS deduct from my refund due to me not having any health insurance? OK I know its bad that I have no health care but I just found a full time job a month ago that provides health care that I can afford and use. I did not have any health insurance for the 2012 year and just learned that the IRS will take cash from you refund due to the poor, i.e, me, not having insurance. So can somebody tell me (who is actuality intelligent and knows taxes) how much cash I will loose for this B.S. Law? P.S. Please don't comment just to tell me I'm a lazy jerk who just won't spend the money to get health insurance. I work very hard and work two part time jobs just to have food and shelter. I understand that insurance is high due to people getting hurt and can't afford the bill so it gets written off. When I get hurt or sick I stay at home and heal myself, I don't abuse the system! I just can't afford the monthly payment for health care with my other bills!""

What would be the insurance on these cars?

What would be the insurance costs for a 16 year old girl for a Nissan Altima 2013 2.5 SV, a 2013 mustang v6 and 2013 honda crv EX? Or what are good websites to price it at?""

Big car cheap insurance?

Can anyone suggest some large sized cars that are not high insurance. I'm very tall and need something comfortable but without a massive engine. I need comfort not speed. Plus I much prefer to drive bigger cars. I've looked at Audi's, BMW, Land rover, the usual suspects etc but all seem very high insurance. Even smaller engine BMW's and Audi's are high on insurance. Thanks!""

Car insurance I'm paying alone?

I have to buy my own car unlike very other lucky kid that's 18. So after I buy a used car off of craigslist, what do I do? Where do I get car insurance and what's affordable for new drivers ?""

Health insurance question?

As of right now I am on Medicaid Family planning Insurance, but my husband's employer is going to give us health insurance pretty soon but we don't have it yet. Here is my question will I still be eligible for family planning medicaid when we do get health insurance? Next does health insurance cover tubal ligation if I am not covered by medicaid? If not how can I get my tubes tied?""

How much does street bike insurance compare to a sport cars?

Right now I have an 06 wrx sti, insurance is crazy with me being 19 and not having the greatest record. i've been wanting to get a bike(starting with a ninja 250 probably, no ...show more""

""What are some large health insurance companies, I am 23 and need to buy health insurance for the 1st time?""

Are there any good affordable plans, any recommendations will help, thank you""

""Not at fault in car accident, but insurance says I am?""

I was involved in an accident in 2011. I was going straight past an intersection and another truck going the opposite direction turned at the intersection, striking me. He admitted he did not see me and was clearly at fault. I filled out the police report and it states, by both parties, that he was at fault. A year later I bought a new car. I tried to get insurance. Everywhere I go my quotes are sky high, like almost $200 a month. I asked them why so much, and they advised I was listed at fault in the accident. I called the DMV, the insurance adjuster, and the police, and they all say I am not at fault. Well, the DMV says they see an accident but it does not show who was at fault. The insurance companies keep saying they are getting this info from the DMV but thats not possible. I was told by one small insurance company that this is a tactic used by companies. They see me as not at fault but try to manipulate me to get more money. What do I do to clear my name? I have the official police report, as well as all my medical bills from the accident. Again, the DMV cannot see any at fault, therefore cannot do or change anything.""

Can someone explain how car insurance works?

Specifically, how do you pay for auto insurance? Do you make monthly payments or do you pay it at one time?""

What would the price of insurance be for a 16 year old male after going through drivers ed and taking the...?

behind the wheel license test through the school? I am getting my license in a couple of days and wondering how much it would cost just in case i have to pay for it. We have a 2004 trailblazer, a 1999 grand prix, and a 2000 ford ranger. I get good grades and im not sure what else you need to know. Im in az. Im wondering because i cant put my info on the internet for a quote so i just want a ballpark monthly price.""

Teenager Car insurance?

Approximately, how much will it cost to insure a car? I'm 18, just got my license and the car that I'm going to buy is 2008 Mini Cooper S, I live in Los Angeles, CA and GPA ...show more""

Car insurance and court hearing?

i drove my car without insurance and got by police got 6 points as i m on provisional then again after 2 months i got a car just to move in local place like for shopping and instead of geting a cab i thought i can use it but the moment i bought it i was driving back home police stopped me coz 1 break light was not working and got again points but the point is dvla didnt sent me a disqualification notice and after 3 months i was driving my friends car as it was just a scrap and had no fuel i was in petrol pump abt 12 at night police guys caught be because my friend was making some funny sounds there so got hearing and 1 yr ban...can some one tell me how much fine will i get and will they sentence me for jail...any help will be appriciated

Can I have two health insurances?

I am pregnant, and my work covers me but i already have insurance. But only for myself my not baby so I was curious how it all works? I will be getting kicked off my current insurance soon so would my work insurance just take the place of it when that happens? thanks for any help :)""

Will insurance premiums rise?

Will insurance premiums rise if you get caught breaking the law and loose demerits while the insurance is expired?

Can my wife and I have a joint car insurance when we are in two states?

Hi, I am at MI and my wife is at DC (I think DC will have a high insurance rate. I'll move to DC after a year). We have two cars. Could we have a joint car insurance if one car is registered at MD and one car is registered at MI? Thanks for your attention

How to find affordable Health Insurance options?

i live in san francisco, CA and am about to turn 30 (female). i haven't had insurance since leaving a job with a good plan about 5 years ago and i'm (haha, pun intended) *sick* of it! webMD and i can only do so much, and i'm beginning to think the doctor at the clinic i've been going to doesn't know what she's doing. money is tight (surprise surprise) but i do need to get real about covering myself. anyone else been in a similar boat and found a good solution? OR know of any sources where i can begin leg-work of my own? thanks so much!""

Need help finding car insurance?

I need my own insurance policy in order to get off of my mom's, but I need one that is cheap and affordable. Any ideas?""

Most affordable health insurance illinois?

Hello, Im a pretty broke college student who cant afford the plan offered by my school here in Illinois. Anyone have any suggestions for cheap health insurance, that would cover some doctor visits and prescription pills, well at least most of the cost. thanks in advance""

What does average insurance premium mean?

What does average insurance premium mean?

I need help on choosing Health insurance..... Anyone?

Okay, I've been looking online for hours now and i can't find any health insurance that covers Medical, Vision, and Dental.. I recently chipped my tooth and i need it fixed pronto... its very Painful..""

How much does car insurance cost if you're under 21 in North Carolina?

Hi. I'm 20, female, turning 21 late next month and my mom is planning to ship her 1998 mercedes benz sedan to me (in NC) from california early next month. I went to a driving school when I was 17 and I have been driving ever since. I also do have a clean record. If I would want to have a full coverage, how much do you think will it be per month? And also, since I am turning 21 in a couple of weeks after the car itself arrives here, do you think it will cost me less? Thanks.""

Cancelling car insurance?

I am a New York state resident, In order to cancel my car insurance, must I first surrender my license plates to the DMV ??""

Do I need to buy auto insurance for my used car dealership?

We are just starting out and wonder if our personal car insurance would cover test drives, or our driving the vehicles. It is a sole proprietorship.""

Question about auto insurance.?

I'm not gonna get into specifics, but here's the situation: I need to know if there is some way I can add my 17 year old nephew to my auto insurance. He doesn't live with me, however we are in the same state (Colorado if that matters). Is there any way I can add him to my policy? Or does it have to be his parents?

https://www.linkedin.com/pulse/term-insurance-quotes-simon-flatcher/"

[intermindblog]

Top Reasons Why 67% Of Sales People Fail To Reach Their Goal

In sales, there is a multitude of reasons you can fail. The timing is terrible, the status quo won, or maybe you were outsold by the competition. What can you do with so many variables at play? You can work on things you can control that contribute to the success or failure of any sale.

I have enjoyed personal success in the sales in both B2B and B2C industries and have coached and trained sales teams from every sector. The failure to advance the ball is the most common reason salespeople fail. The following are the top reasons why 67% of sales people fail to reach their goal.

1 – Inaccurate Databases

The hidden cost of bad data may be even greater than 12% lost revenue. 28% of those who have had problems delivering email say that customer service has suffered as a result, while 21% experienced reputational damage. And finally 40% of business objectives fail due to inaccurate data

The question here is not just one of increasing conversion at source, but one of protecting a company from the risk that comes from sending communications with incorrect contact information. In the US, this risk is high as ISPs increasingly crack down on email senders.

All of this forms the background to a key trend in marketing. Customer data (and in turn, CRM systems, marketing automation, customer experience management and analytics packages) remains a priority for improvement

Let’s look at some stats created by ZoomInfo on the negative impact of data decay

62% of organizations rely on marketing and prospect data that’s up to 40% inaccurate

Up to 25% of B2B database contacts contain critical errors

1-10-100 rule: It costs $1 to verify a record as it’s entered, $10 to scrub and cleanse it later, and $100 if nothing is done

I believe the numbers are scary enough for every sales manager to run back to office and check the accuracy of his or her databases.

2 – Dry Pipeline-

Many salespeople or telemarketers instead of searching new prospects, they continue calling the old ones hoping something will convert.

Here is a list of to do’s to overcome a dry pipeline:

Source leads, ensuring you do it appropriately and compliantly.  Match the leads to your ‘ideal customer profile’ as much as possible.

Qualify leads using criteria which will help you categorise prospects into segments.  For example, you may have some more urgent than others or want to select different contact methods for each segments.

Design the activity and milestones for your sales pipeline.  For example, will you use the phone or email, or do you want to meet face to face?  What does success look like at each milestone?

Begin your sales activity – think about which sales approach you use and why.  When we say sales approach, we mean are you transactional or consultative, is the focus more on inbound or outbound, have your team been trained a consistent way to approach sales?

Record your activity and outcomes so that you can spot trends and understand conversion rates.  We’d advise you use a CRM for this, but you can always start with a spreadsheet until it becomes too big to manage.

3 – Not dialing enough

Very common problem in sales people that they don’t make enough dials. Successful sales have calling hours where all they do is “Only Call” with a “Do not Disturb Sign”

With a good time and calendar management, you make sure you leave yourself enough time to sit and make ‘rockstar’ calls.

In our experience, a diligent inside sales person making their first pass through a new list will be able to easily achieve 8-10 calls per hour.

The cold calls per hour will increase as the list becomes warmer and more refined over the next few calls. This will allow a good inside sales person to average 10-12 calls per hour while effectively maintaining and updating information in the CRM.

4 – Dont update CRM

The key to good followups is keeping good notes on your CRM software.

Customer Relationship Management software is widely hailed as “the” vehicle to improve customer relationships and carry your company to a profitable bottom-line. Even so, sometimes CRM feels a bit like a clunker. How do you know if it’s time to trade-in your CRM or just give it a tune-up?

You might need a CRM upgrade if:

Your customers need to run through their history with you each time they call.

You tout a “new customer sale” only to later discover that it’s actually from an existing customer.

You need more than a few seconds to find an existing customer’s order or purchase history.

Every time a customer calls, you need a carrier pigeon to access supporting systems and information.

You find out you’ve lost a customer from a competitor’s press release touting their new customer win.

“Integration with legacy systems” means you share a workstation with the oldest person in the company.

Someone calls to place an order, and you only find out they have a quote when they tell you.

You ship an order to a customer’s competitor.

Instead of Christmas cards from you customers, you receive sympathy cards.

You don’t even know who your customers are.

5 – Lack of networking

The formula is simple. Go out and meet new people

Staying indoors and locking yourself at an office is keeping your eyes away from sales opportunities, and most of all far from potential marketing to boost your sales performance.

Always look for events, conferences, seminars, training,… around you. Such environments are great to jump into conversations, introduce yourself to people, you can never know, maybe someone out there is searching for something you can offer.

6 – Attending industry events

The question is, why attending tradeshows and networking events is that important?

Once you have the target audience in place, you can easily identify their areas of interest and the kind of conferences and trade shows they are likely to attend. Attending industry conferences, seminars, events or trade shows are a great place to connect with potential prospe

cts. You get the opportunity to meet people face to face and talk to them about their requirements and how your product or service can help them. Attending such events will also keep you updated on the latest industry trends and ensure that you stay ahead of the curve and also give you the opportunity to build connections with industry experts which you can leverage during networking. You also get the fantastic opportunity to identify if your product or service needs to add any feature to become more market ready.

7 – Slacking during good times

Do you know what makes some salespeople one of the most successful? They’re not slackers.

Elon Musk runs two companies, Tesla and SpaceX. Those are two full-time jobs. The guy barely has time to sleep. I hear he gets six hours a day on average. Now you know why he is successful. Winners gonna win and slackers gonna slack off.

As a salesperson you need a meaning and a momentum to keep yourself motivated, active and constantly striving toward excellence instead of slacking off. You can never tell what opportunity you would miss while napping.

Motivation and having a goals is the ultimate mix for crushing slacking off. And for that here are some notes on how to motivate a salesperson.

Sprints

Recognition

Make the salesperson a mentor

Feedback

The right tools

8 – Hiring a sales trainer

On a daily basis calls need to be listened and  skills need to be enhanced.

Hiring a sales trainer too early is one of the common mistakes. In the early stages, you want founders to ideally drive the sales process. Hire your first sales people only after you have a sense of who your ideal customer profile is, what is the right messaging and value proposition, what are the typical stages that a prospect passes through in your funnel, key objections and how to overcome them etc.

Another common mistake, is hiring a sales trainer before even setting a sales process. Many tech companies think that selling is easy and hiring sales people is enough to start selling. This is not true, you have to setup your sales process before actually get into hiring mode and it’s take a lot of work.

9 – Consistency in follow ups

I get it nobody wants to be “that” person who does not stop calling. Whilst I would never phone anyone every day and fall into the harassment zone, we can follow up in a respectful way.

It takes up to between 8 and 12 follow up calls to close a deal perfectly. While most sales reps just stop at the 3rd call and complain about the low number of closed deal or even why the company losing revenue.

People tend to lead busy lives and if the email you send or voicemail you leave arrives with them at an inconvenient time, they may forget to respond or, be full of intention to, but then something else happens that takes priority.  Past research has shown that it can take up to seven touchpoints with a prospective client before they take action and with the huge rise in social media, this figure can now be significantly higher.

After someone has requested some information on your business and you have sent it out, a simple seven-point contact plan could be as below.  Once a prospect buys from you, they would move out of the remaining sequence and be added to your client mailing list so that ongoing contact is still maintained.  The types of contact you have will be determined by the information you have available so at the point of initial enquiry, get as much information as you can. Ask for an email as the bare minimum but if you can, take a phone number and mailing address.

Attempt contact via email or phone call to see if info received and if any questions. If no response, leave a message or send acknowledgment email (within 24 hours)

Follow up call to prospect and if not there, leave a message (+24 hours from step 1)

Send follow up email (+ 1 week from step 2)

Send a written letter (+ 1 week from step 3)

Final phone call (+ 1 month from step 4)

Final email (+ 1 week from step 5)

Final letter – confirm no further contact will be made but will add to mailing list (+ 1 month from step 6)

Once prospects have moved off the main seven steps and on to your mailing list, this database of contacts can be used for sending out your newsletter, free advice, and tips and for future marketing purposes including competitions/surveys etc.

10 – Selling when its raw

Excitement is a natural human feeling, we tend to enjoy it when it comes. However, for sales world it is not the best thing when it is being handled wrongly.

Many sales reps get excited when they first get in touch with a prospect and they put the sales talk on the table at the very first moments. Neglecting the importance of building trust and understanding with the prospect.

Plus with the world of social media today, it is highly advised the let your target audience consume your free content before letting them know that you’re selling something.

If a prospect consumed your content, it will be easier for you to let them consume your products and services. For the reason that they interacted with you before out of a sales frame, and they acquired a free added value out of your content. At that time you can bring the sales talk, and you will see yourself the efficiency of patience.

It is easy and simple for the mind, let them consumer your free content, build trust and understanding, unleash the sales beast and seal the deal. B2B Lead Generation Company

[decadenttimetravelmentality-blog]

Insurance??????Insurance?

"Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

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

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just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

Full Coverage Insurance ripping me off ?

I got a wreckless driving dui dropdown in ohio live in kentucky in my Nissan 350z was paying $70 a month for full coverage under my parents plan... Now 2 years later after dealing with a bunch of bullshit driving a pos car with just liability for $100 a month in insurance for 2 years I finally have enough to buy a 08 nissan altima and I checked what full coverage would be and they told me $300 full coverage cheapest so I gave a few different cars and still the same price....Does it make since if my car payment is only $220 a month why in the hell would anyone pay more for insurance..?? & before you start saying something like a troll would I live in the country there is no bus stops or anything so I need a vehicle to get to work and back at this point the insurance cost to much for me to even afford when you have a apartment on ur own and only making $13/hour full time America doesn't make a god danm bit of since is this what the world is coming poverty P.S I hope i don't hit anyone without insurance....if only insurance was affordable.

How much will my car insurance go up?

I got a ticket for speeding (66 mph in a 45 mph work zone). My ticket total is $438. I am trying to decide whether to get a laywer and fight it or just pay it off. Approximately how much with my auto insurance go up? Cost of lawyer? How many points will I get on my license? I am 22 years old living in North Carolina and have never had a ticket. Advice?

AAA insurance will only pay body shop?

Hi there, My mom was rear ended by an uninsured motorist while driving my car. I have uninsured motorist coverage and AAA estimated the damage to be approximately $1000. I own my car (it's paid off) and I would rather buy the bumper and someone I know replace the bumper, rather than go to the body shop of AAA's choice. AAA does not want to give me a check and is saying they want to pay a body shop to do it. Can they do this? I looked at my policy and it doesn't say anywhere that repair costs are to be paid to a body shop, rather than the car owner or driver. I certainly don't have anything signed that says that and there is nothing in my policy details. Thanks for your help!""

Help!!!! changing car insurance?

I called another company and had a quote with them and they offering me a way better price than my current insurance company... I wanna make a change.. what do I do? Do I have to call up the current insurance company and cancel the policy?

Insurance pricing difference with different car brands?

Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""

What's the least expensive adequate health insurance for a Connecticut resident?

Aetna Anthem Blue Cross Cigna ConnectiCare Harvard Pilgrim Kaiser Permanente MVP Medicaid Tricare United Health Care Yale Health Plan Pharmacy Benefits is a must I believe

Medical insurance makes a difference?

Why is it that when you go the hospital and you dont have medical insurance you are looked down upon even though you do get the medical services required for proper treatment? But when you have medical insurance its like youre treated in your own way with approbation.

Car insurance question?

I recently got into a car accident that was my fault. The total damages is around 2000 dollars. the owner of the car has contacted me and asked if we could resolve it with out involving the insurance Company. What would be better to do? i have had one other accident that was not my fault. how much will my car insurance go up and for how long?

""My car was broken into and things were stolen. If i file a claim with insurance, will my rates go up?""

I live in Hawaii, I went for a hike with 8 people that all went with my truck. When we all came back from the hike, my truck was broken into. Things were stolen such as ipods, cellphones, drivers license, etc. I filed a police report. If I file a claim with home ownership insurance or car insurance, will my rates go up monthly? I've been told different things like, If the car was not moving, the rates will not go up or They might . My car and home insurance is with Liberty Mutual, my deductible is 250$. Thank you. I'm calling them tomorrow on Monday since it's not a work day yet, but I'm anxious to see if I'll be able to get my friends belongings that were stolen payed for. That and my broken windshield ><""

Estimate for Auto Insurance on a 18 year old Living in GA driving a Mitsubishi Lancer GTS 20k?

In Janurary of 08 i am going to get a New Mitsubishi Lancer GTS. I already know how much my monthlly payments are going to be the car is 20 grand. I Live in GA and was wanting to know around how much would insurance be if im 18 years old driving a new car. It would have to be full coverage and right now my family has Allstate. Can anyone give me a reasonable Estimate? Thank You.

17 year old car insurance question?

Okay. I'm gonna be getting my license in a few m onths (took driver's ed late) and I moved in with my grandparents this past summer when my family and I moved so I could stay in the general area/school and keep my job. So I live there Mon-Thur and Fri-Sunday I stay with my family. I was wondering, being thaf I'm a Junior in high school, am I able to be covered by my parents or grandparent's car insurance? I need some answers. Please & thank you!""

I'm looking into insurance sales as a career change. Which company would you recommend?

I have a strong background in sales, a college degree or 3, and a strong drive to succeed. However, with so many companies out there looking for agents, I'm having a hard time narrowing it down.""

I be 17 in April and i just got my learners and i want to know how much it cost for car insurance?

if my grand mom add me under her how much it cost

Can I get renter's insurance without a deductible?

Yesterday I got a quote from Geico on renters insurance. They said that I would have $6,000 personal belongings protection, $100,000 personal liability, with a $500 deductible. This would cost me $142 a year. I'm okay with the coverage amounts and the cost of the policy but I would like to get a smaller or zero deductible. Is this possible with renters insurance? Also Geico doesn't write the policy they use someone else but didn't want to what company it is. Can I get a zero deductible? What insurance company should I go with?""

""What are some cheap first cars, and low insurance.?""

I have 3400, in my bank account and ive been searching for a used car. The most I'd like to spend is 3000, so i have some leftover to get me started on insurance and license plates..Any suggestions on a good first car to look for? Also whats a good Max Milage on a used car? Like 100k? or 150k? I have no clue.""

Should the U.S government require it's citizens to have health insurance?

Should the U.S government require it's citizens to have health insurance?

What are average prices for teen auto insurance in CA?

just averages not a sports car i have good grades too if that helps

Car insurance. A question about car insurance.?

Hey people. So I haven't brought a car yet. But I was just on the car insurance site today and I decided to fill it in and get an idea of what I may have to pay. And the cheapest I got was 6,241. Now my friend he's 18 years old and he passed he's test last week and has a 2 door ford focus that's not including the trunk/boot and he only pays 1,200 for he's car insurance and all I know is, that he is on somebody else's insurance that has been driving for years. Could anybody explain to me why my car insurance is gonna cost me 6,241 and he's only costs him 1,200. I'm 18 also by the way.""

What could happen to me if i didnt tell insurance company?

that i was done for drink drive 3 yrs ago... wana apply for my licence back have checked insurance and said i have a drink drive conviction will cost 1,790....when i dont say then it costs me 400 quid... what do i do and what can happen and how wld they find out and who can find out..... thanx all in advance x""

""Home insurance, what can i expect on a newly built home?""

Hello guys, I am planning on building my own home, i lived with my parents for 3 years so i have some money accumilated. I am planning on a 250,000 dollar home with a 3 car garage and mostly electric components. It will be in a rural setting, in a subdivision or close to one. HOw much should i expect. And it will be 3 or 4 bd, 3 bath, and about 3,000 sq ft total monthly? thanks""

Why buy life insurance?

I'm married, have 2 young children and wonder why I need life insurance""

""BMW 318i 53 reg, insurance new driver?""

Parents may be buyign a new car, how much would it cost to insure a new driver on a bmw 318i 53 reg, about 30000 miles. Insurance would probably be on parents policy, 30+ years no claims, safe driving etc.""

Does anyone know of a good health insurance?

I broke my wrist 2 years ago and ive been meaning to have it fixed. It healed cruked and the pain bothers me from time to time. Does anyone know of a good health insurance that would imedietaly cover this injury. I have no insurance and want one but dont know which one will help me the most.

What is the cheapest way to get insurance on my first car.?

I am 18 and am buying a 1.2 corsa. I need to know the cheapest way to insure it. Even if I have to go on a relatives insurance. Please help

What is a good (cheap) insurance in Canada?

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

Insurance??????Insurance?

just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

https://www.linkedin.com/pulse/home-auto-insurance-rip-off-marieke-fleming"