#be like regular citizens when it comes to stuff like paying taxes etc. but no money actually makes it back into their communities...

[zivazivc]

Meta & Flint, the freaks who named their daughter Oblivion.

Don't let their looks fool you, they are actually good parents. (Maybe "okay" parents, they did let Liv run away with her boyfriend they never met and his band at 15. (But she was responsible and called them to explain her decision and that she already talked with the school and will be taking special exams at the end of every semester, so it's all good lmao.))

In my AU the Techno/Rock Trolls are the largest population of mixed trolls. They live concentrated along the shore between the Rock and Techno Kingdoms and also extending north into the no-man's-land on the map. This whole area is simply referred to as "the Shallows". They have their own communities and villages there which are located partially on land or exposed reefs/rocks and partially in the water.

Liv grew up in one of those villages. Her parents own a small apartment carved into a cliff side above the ocean. Personally they prefer walking over floating/swimming, and they can't stay in the sun for too long either (they all inherited sun sensitive skin from their Techno sides) so this way they're mostly on land and also aren't in direct sunlight after noon.

It's a modest home but I imagine they must have the prettiest sunrises.

Despite the Shallows having their own communities they still belong under the Rock Kingdom which doesn't really care about them or their different needs much, so a lot of the trolls living there are very anti authority.

[jomeyers83]

As an employer, you must be very often overhearing conversations of your employees about their nearing empty bank accounts at the end of a month and their problems related to handling their finances. A lot of them must be struggling to keep up with their expenses and eventually must be thinking that they could have taken a different approach. Well, one of the hardest steps is also one of the easiest steps when it comes to saving money.

If your employees want to save money, the first step is getting serious about it and getting started. There are several save money tips that can be incorporated. This will allow them to get into a habit of saving money regularly and not getting caught in the spending trap. And savings will never go in vain; money saved today will be helpful in the future or during any unprecedented situation.

Top 23 way to help employees save money in 2020

You can suggest some ideas to save money to your employees that will help them to take the first step in the right direction and slowly build on it. All of the save money tips and tricks suggested by you may not be applicable for all of your employees but some of them if implemented can bring a positive change gradually.

Here are different ways to help employees save money:

1. Open a savings account

This is a rather simple and conventional technique which you can suggest for your employees. There are several banks out there that offer great interest rates on different products and savings accounts as well. It might be a good idea to quickly scan the different banks that offer better rates than the current bank. If your employees believe in having cash in their bank accounts, this move can help them earn a bit more in the form of better interest rates.

Expert Tip: To save money in India, a lot of newer banks are offering much higher interest rates than the existing banks.

2. Prepare a budget

This is probably one of the most commonly advised techniques by an employer for his employees to save money. Setting aside a budget for monthly expenses will help your employees to curb unnecessary spending and get into the habit of saving regularly.

One of the most classic breakdowns to save money is 50/30/20. According to this technique, they can use 50% of their income for necessities, the next 30% for some needs that they might have and utilize the remaining 20% as savings.

Expert Tip: The smartest way to “save” the 20% is to first save the money and then use the remaining 80% for the expenses, instead of the other way around.

3. Set financial goals and milestones

If serious about saving money, to save money expert advice would be to set saving goals. Setting goals is usually a good idea; where your employees can feel that they have accomplished something post each milestone. The idea of a short term or midterm goal and working towards achieving these goals can be helpful in the long run.

A short-term goal can be a trip to a new place, down payment for car, accumulating emergency funds, etc. And midterm to loan term goals can be down payment for a house, children’s education, etc.

Expert Tip: Setting goals help in keeping a track of the accomplishments and also helps in planning strategies for achieving future goals.

Also read: What are goal based savings ?

4. Setting up of priorities

A penny saved is a penny earned. This is one of the more famous save money quotes. If your employees have budgeted their monthly expenditure, it is important to prioritize their savings. Some goals might need a higher allocation of funds, while others might not. Depending on the priority of the same, they can assign a specific amount or percentage every month.

Expert Tip: Prioritizing expenses and spending accordingly is a basic step towards saving money.

5. Shop around for Insurance

When your employees are looking for some save money plans, they must shop around or compare insurance policies on insurance aggregator’s before buying them. They should do a thorough research before purchasing an insurance policy. This will help them to save on premiums considerably without missing out on any benefits offered by the insurance plan.

Expert Tip: Insurance policies should be bought online as online purchase is convenient and even less expensive due to no commissions and brokerage.

Koppr helps you get the right corporate insurance for your business.

6. Utilize tools

There are a lot of financial instruments available which can help people in meeting their goals and in saving money as well. However, you might advise your employees to put in some effort and find out which instrument works out the best for them. There are a lot of online tools and mobile apps available that can help them to do the same.

A few of the instruments will help them in their money grow without any risks, while others will help it grow at a faster rate. You can also suggest them to opt for tax-saving schemes.

Expert Tip: Financial instruments can enhance the initiatives for saving money and should be used more promptly by individuals.

7. Automated systems

The presence of several automated systems means that there is no longer a need to worry about each and everything. Automated deductions from your bank account towards saving schemes can be set up and this can help in saving money without forgetting about it. As soon as the salary is credited, the automated system would deduct the amount.

Expert Tip: By the automated system, saving money is guaranteed in every month without a fail.

8. Review financial goals

While it is important to set financial goals to help people save money, reviewing them regularly is equally important. Reviewing goals and contributions regularly will help your employees to be on top of it. If there are circumstances in which the expenditure appears to be more rather than savings then the financial goals can be modified and initiatives can be taken for increasing savings.

Expert Tip: Review of financial goals help in analyzing if any changes need to be implemented in the save money ideas or strategies.

Share this beginners guide to financial planning with your employees.

Other personal saving strategies that your employees can adopt include:

9. Create a shopping list before shopping and stick to it

You can advise your employees to create a shopping list before they head out for shopping. This will help them in avoiding impulsive purchases.

Expert Tip: Your employees can take advantage of cashback reward cards which helps in providing bonus cash at the grocery stores.

10. Avoid overspending for kid’s entertainment

Spending of quality time with kids is much more important and beneficial than overspending on their entertainment. It is quite obvious that we all work and earn for our kids and their comfort, but time spent with kids would be worthier than spending money unnecessarily. You can give ideas to your employees for kid’s entertainment by some creative methods which will make the kids innovative and also entertain them. This will help in avoiding unnecessary expenditure and also strengthen their family bond.

Expert Tip: You can advise your employees for making their kids play outdoor games like cricket, football, hide and seek, etc. They can also take them for walks in the evening or encourage them to garden.

11. Save electricity

Saving electricity is one of the major responsibilities of every citizen. Unnecessary use of electricity and electrical appliances should be avoided. The electrical appliances like fans and lights should be switched off whenever not in use.

Moreover, you can give save money ideas to your employees by suggesting them to regularly clean up the electrical appliances. This will help in the efficient functioning of the appliances and save the expenditure on electricity bills as well.

Expert Tip: Installation of LEDs and CFLs wherever possible is a good step for saving electricity.

12. Restriction on online shopping

This is a very common habit with the millennial. Some of them do online shopping for fun and some do it as a stress buster. You can advise your employees to restrict the habit of online shopping.

Even though online shopping has its own set of advantages like convenience, numerous choices, lucrative offers, etc. but the habit of online shopping can dent a big hole in their pocket and this would be harmful.

Expert Tip: Reading books, painting, listening to music, etc. can be practiced as stress buster rather than opting for online shopping.

13. Air filter of car

One of the better save money ideas is to keep the air filter of car clean. Doing so on a regular basis can help your employees in saving money. A clean air filter can improve the mileage of a car by as much as 7%. If they drive around a lot, it can result in considerable savings.

Expert Tip: Air filters are available at affordable prices and changing it regularly should be preferred rather than using a dirty one.

14. Regular maintenance of devices

Most of the mechanical and electrical devices require regular maintenance. Regular maintenance and cleaning of devices should be taken care of. Simple stuff such as clearing off the dust, providing ambient ventilation, cleaning of filters, etc. can be helpful.

Regular maintenance would ensure that the appliances do not breakdown, thereby helping in saving money.

Expert Tip: A maintenance run for all your devices at regular intervals should be included in your household budget.

15. Cancellation of memberships

We are already amidst the middle of subscription-based models for various products and services. If your employees have taken up certain memberships and are no longer using them, you can suggest them to cancel them. For example, some employees might be paying dues at a club which they might not be using even. These types of unnecessary memberships can be canceled and it can help in saving some money. Expert Tip: Even if memberships are canceled, they can be renewed later as per convenience. So, cancellation of membership should not be considered as a serious problem.

16. Opt for carpooling to workplace

This is an excellent option for saving money and fuel which your employees can follow. If two or more of them are staying nearby, then they can opt for carpooling to the workplace. This is economical as it will save money, reduces the pollution level in the atmosphere and also reduce the traffic on roads.

Expert Tip: Carpool is an excellent option to save the vehicle from regular wear and tear as well.

17. Purchase term life insurance policy

A life insurance policy is a must to ensure the financial security of our near and dear ones when we are not present with them. It is always advisable to start a life insurance policy at a younger age as it would cost a low premium. If your employees are planning for the purchase of a life insurance policy and also save some money; then you can suggest them for buying a term life insurance policy. This will provide maximum coverage at a low premium and hence is an excellent save money plan.

Expert Tip: Term life insurance policy should be purchased online after comparison by insurance aggregator.

18. Purchase of efficient cars

Buying a feature-loaded car or a car with a bigger engine might incite the decision of an individual. However, opting for a reliable and efficient car can help your employees save money. A reliable car would bring down regular maintenance expenses and an efficient car would help them in keeping the running costs down.

Expert Tip: Good research should be done before the purchase.

19. Affordable Locality for Housing

The rent of a house is one of the larger expenses that one must be incurring. For saving money, moving to a more affordable locality can be a good option. The expenses are mostly affected by the part or locality of the city in which one resides.

Expert Tip: Cutting down expenses related to housing and its rent contributes a big amount towards savings.

20. Keep your tires inflated

A lot of car owners usually do not pay enough attention to the pressure of their car tires. Keeping the tires of cars inflated to the recommended levels can help in saving money. To find out the recommended tire pressure, you can suggest your employees for reference to the car manual or look for the information on the driver’s side door.

Expert Tip: The car manual can be read and the pressure of the tires should be maintained accordingly.

21. Gardening

Creating and taking care of an own garden can help in relieving some stress while growing some organic food. A lot of resources are not needed to start gardening. While it might not meet all the vegetable requirements in the family, some common vegetables can be grown in a healthy way. This will act as a stress buster; can turn into a hobby and even lower grocery expenditure up to a certain extent.

Expert Tip: Kids in the house can also be encouraged to participate in gardening. This can be fun and a great learning experience for them as well.

22. Use of mobile applications

Given the ever-increasing internet penetration and growing smartphones, individuals can use both of them to save money. A save money app, as the name suggests can boost savings. There are a lot of such apps available.

While some provide information about the best deals available nearby, others help in providing tips to your employees about managing their money more efficiently. Installing one or more of these apps might consume some memory, but certainly will help your employees in saving money.

Expert Tip: Mobile based Applications are the best way to gather information on any happening related to any field.

Do read: Top personal finance management apps in India

23. Money box

You can suggest your employees about inculcating a good habit in their kids i.e. to give them a save money box. This will give them a sense of responsibility and build a habit of saving. A piggy bank acts as a perfect starting point for kids to start saving money.

Expert Tip: Money bank helps in inculcating the habit of saving in kid’s right from their childhood.

The above are some of the save money ideas that individuals can start implementing in their daily lives. As said earlier, all suggestions and save money tips given by you might not be suitable for all of your employees. They will have to pick and choose the ones that best suit their style of saving and the nature of saving. These are certainly not the only saving techniques or ideas that can be implemented. Even further research can help in providing many more save money ideas.

However, you can assure your employees not to worry as they have already taken their first step. The fact that they have given this matter a thought shows their seriousness towards saving money. For the next steps, they can assess the aforementioned tips to save money and pick the ones that they feel would work out for them. You should try and encourage them with this initiative by putting forward better ideas. With smaller and valuable steps taken and the review of goals at regular intervals, your employees can end up saving more money than ever.

[mysticandskepticmuses]

MEET Rori LuAnne* Dearing.   ( Altered Carbon based original character. )

                *Please note.  Any use of her middle name in character will result in her losing her shit because who the fuck names their child LuAnne in the 25th century it’s so 400 years ago….

                 First things first, OOC, yes, this is the same face claim as I use for Saori; it’s intentional / for plot purposes w/ certain characters where that holy shit it’s like looking at a ghost trope is lots of fun so…  Also, I think it’s particularly interesting in a world where bodies can be custom made and DNA is literally just a playground for scientists for there to be this freak natural repetition / recreation after 250 years.  It is something that family members remark on from time to time, but it’s not something that a lot of them really pay that much attention to, it’s the oh you look so much like so and so, but since none of the living family members even met Saori they don’t realize just how identical the resemblance is.  And most people that meet her wouldn’t know enough about her history / lineage to know though so.  She’s just a pretty, long-legged, pierced and tattooed cutie pie.    [ Any of those rare survivors from Envoy era that were at Stronghold or on Harlan’s World, or any that might have VR’ed in to a conference or something w/ Saori are totally free / encouraged to notice and react of course !!! ]

                  Yes, Rori is the great-great-great …. whatever many great-granddaughter of my other / latest original character, SAORI DEARING, an uprising sympathizer who lived on Harlan’s World during the Envoy war / during the time of the destruction of Stronghold.  [ the battle of stronghold is widely known as the battle where the Protectorate finally defeated the evil Envoys, murderers of children and women and whole families, terrorists who used sabotage, infiltration, mass murder, torture, bombings, wide spread terror attacks, etc. etc. etc. to try and overthrow the protectorate who wanted to do nothing more than keep the peace in known space etc. ] Rori and her older sister, CLAIRE DEARING, currently know nothing about their ancestor’s involvement with / support of the Uprising – which is probably for the best because Claire would probably die of mortification and Rori would loudly and proudly blast the news from the rooftops.  

                   Claire, written by Liz @magicandsciencemuses, is a (mostly) upstanding citizen who works earnestly to better her way of life and has a great amount of respect for the law and a more than healthy respect / knowledge of what the Meths are capable of; she is one of the directors of the Bay City branch of Psychasec as well as being a well renowned scientist in the field of genetics and body mods, cloning, synth, etc. etc.  She is very much the model child, works hard, works long hours, pays her taxes, follows the rules, tries very hard to keep out of trouble and avoid drama.    ADDITIONAL NOTE:  CLAIRE IS 200+ YEARS OLD.  Rori is in her forties (even though she appears in her early twenties) – in Meth years, Rori is practically a BABY.  

                   Rori, on the other hand, is pretty much the exact opposite.  While she is also intelligent and well educated, she was the wild child from the get go and was always the one that came home with the scraped knees and the bloody noses and the torn clothes, whether it was from actually just falling the frack over her own feet or getting into a fight with someone twice her size in defense of someone else or because they offended her with some smart ass / ill thought out comment that provoked her short-fused (but typically short-lived) temper.  She was almost always involved in some form of protests, some form of protect the planet, protect the species, protect the people, protect the sleeves movement, and became more and more focused on protecting the equality (or what is left of it) as she got ‘older’.  

                   She believes that a lot of what is acceptable and norm when it comes to the treatment of sleeves when it comes to the prison system and victim restitution as a whole is beyond fucked up   She believes that the whole essence of the prison system, stacks in storage, etc. is a huge step backwards and one that just does no good to anyone except those profiting financially from the system.  Ripping someone out of their sleeve and sticking them into storage seems entirely opposite of helpful to her.  There is no longer any opportunity for reform in the penal system.  Being on ice doesn’t give you time to think.  It doesn’t give you time to reflect on your life choices and realize what you’re missing.  It doesn’t give you time for soul searching or to learn methods in which to cope, it doesn’t allow you to better yourself in any way – literally the only thing that it does it rip you out of one time and then toss you back out into the world in what was just a blink of an eye to you.  Nothing changes.  Worst case scenario, you’re in a stranger’s body, a hundred years later, maybe you’ve got a family member or someone that was told about you enough to show up and give you a place to crash for a few days while you get your shit sorted but.  

                   Now you’re a stranger, with no working knowledge of the world, the politics or laws that have changed, the events in history that might have been world shatteringly important that you missed, no relevant job history, no contacts, no resources, and depending on what field of study or what kind of job you had, you might be entirely irrelevant plus - you’re a convict so what does that do for your likelihood of finding gainful employment - especially while in whatever broken down sleeve they give you on release ???  It pretty much guarantees the only life the newly released have to go back to is – crime.  

                And that’s not even getting onto the topic of renting out people’s bodies and how that just feels inherently wrong to her – they don’t even bother to try and use it as a deterrent tactics, it’s just a WAY OF LIFE and it just seems cruel and unusual to her.  There have always been accrued costs of prison, one way or another, sticking a body on ice / suspending it / cryogenic storage or whatever is WAY cheaper than actually housing criminals used to be.  And how easy is it for someone that’s corrupt to play that system ???? Want a particular sleeve for yourself or your partner but they won’t sleep with you?  Get them convicted and rent it for a week.  Have a Neo-C that you need out of the way at your job or that’s married to someone you want to pursue or that you have a grudge against and want to see them suffer / their family suffer?  Set them up for even the smallest crime, because once they’re yanked out of their sleeve that’s it, bye-bye.  

                   And it’s not just punishing the criminals! Seeing someone else walking and talking in the sleeve of your lover, your brother, your mother, your best friend and knowing it’s not them - it doesn’t matter how tough you are or act like you are, that hurts – knowing that that body is being used for god knows what and you can’t keep it safe / protect it ???  Knowing that the person’s sleeve is out and about because you couldn’t afford the mortgage payments to keep it hanging out empty until the person’s time was up and they can get put back in it ? That is brutal and cruel and unusual punishment to people that did nothing wrong but care.  

                   So… yeah.  Human rights / sleeves’ rights activist.  Has had the occasional brush with the law in terms of protesting, the occasional riot or act of vandalism, threats against particular organizations or Meths or whomever it is that she’s up in arms against at the time but, generally low level stuff that hasn’t gotten her in a ton of hot water legally speaking.  She actually does have a semi decent relationship with some of the beat cops or a detective here or there, she’s happy to turn over intel and information she finds about acts of actual violence or terrorism that she catches wind of and is especially happy to turn over anything she hears that deals with corrupt cops, politicians, Meths influence on anything with policy or wrangling positions of power for their chess pieces in law enforcement or political circles etc.  

                   She does dabble in some drug use, she drinks, she smokes, she swears, she sleeps around, she has tattoo and piercings that fluctuate a lot - she is still in her birth sleeve (though second clone after an airtram derailment a few years back).  She gambles, she shoots pool, she gets into the occasional fist fight, she has no problem calling anyone out on their bullshit but – she has a good heart and does her best to help out people in trouble around her whenever she can.  She drifts through a lot of circles; she has friends in all manner of walks of life in the underworld and legit circles, she makes it pretty clear she doesn’t have any interest in being involved in drama outside of her choosing and tends to usually manage to keep from pissing off the wrong people (she’s way more likely to have enemies among the politicians, the Meths, the policy makers than get caught up in a turf war etc).  

                   She has a loft apartment in Licktown, but she also has four or five other roommates and it’s very crowded and busy so she tends to prefer to crash at her hookup’s place when an option and also makes a semi regular habit of showing up at Claire’s in the middle of the night and crashing on her couch for a few days.  Despite their glaring differences, the sisters are actually pretty close and as much as they rib on each other, they would not hesitate to come to the defense of the other if necessary, in a heartbeat.  

                     Rori does come from a family of Meths.  Her lifestyle choices, her behaviour, the fact she lives on the Ground and in Licktown are all huge sources of embarrassment for the majority of her family.  The only reason she isn’t actually just cut loose and written off as the black sheep of the family is because Claire wouldn’t stand for it.  Rori does have access to a large stipend, which she does live off of at times but in general she prefers to make her own way - she works as a bartender, a tattoo artist, odd jobs here and there.  Whatever she doesn’t use of her monthly allowance, though, she does pull out every month and donate to a number of different activist groups, shelters, etc. - wherever needs it the most at that time.

[snekknack]

Canadians should be paying attention to what's going on with the NHS, as some of the Premiers here have been underfunding public healthcare (controlled by the province) for over a decade to the point where we are in a crisis where we don't have enough doctors and nurses working in healthcare, but we have a ton of donestic and foreign trained health professionals ready to work (but the number of and funding for healthcare "administrators" has gone up). Last year the premier of Ontario played his hand; after underfunding healthcare in his province during a global pandemic, the solution he took several years and thousands of taxpayer dollars to come up with, was to fund a return to privatized healthcare.

We have had publically funded healthcare for decades, and when I lived in the US the Americans loved to go on about how much it costs us and how poor the care is; the thing is those people have no idea what they're talking about. They see the higher provincial sales tax and assume we're being swindled by the sherif of nottingham, but PST goes to other provincially funded stuff like schools (school bussing is free), roads, etc. Healthcare is funded by provincial income tax, which varries from household to household, but everyone recieves to same level of care; and if you're not wealthy enough to own a home, chances are you paid nothing or next to nothing in income tax.

But what is the quality of that care? Compare and contrast my experience in both American and Canadian hospitals: In the US, I had to go in for major reconstructive surgery. I was 17 so my step-father's health insurance covered the cost, but I couldn't be operated on at a regular hospital as per stipulations in the insurance, I had to be treated at a childrens hospital. It was a nightmare, as I woke up after the surgery with no pain management for SEVERAL HOURS before they pumped me full of several pain meds that didn't work at all; at some point they decided to knock me out with Propofol, and if that sounds familiar, it's the drug that killed Michael Jackson. The next day I woke up vomiting my guts out only to be told to eat a slice of pumpernickle bread with american cheese and a jello cup for breakfast.

Comparatively, when I went to a Canadian hospital for pain in my nether regions, I didn't have to figure out which hospital I'd have to go to, I just went to the nearest one, handed them my provincial health card, and got a bed despite not intending to stay overnight. The first thing they gave me was morphine for the pain, and asked if I'd like something to eat (I was there when lunch was being prepped), and I got a plate of food that was just as good as the diner down the street (not 5-star dining, but good tasting and enough to fill me up). After maybe 30-45 minutes of waiting, I saw a urologyst who diagnosed my pain as being caused by a kidney stone; he said I could either wait to pass it at the hospital or take a collection kit and pass it at home. At no point did I pay a SINGLE CENT for this entire experience, and even when I got injured while travelling out of province, I had the same excellent care at the same cost of NOTHING. The only time I've had to pay for health insurance was when getting travellers insurance while travelling to the US (~100$ to cover medical expenses up to 5 million) so I wouldn't have to choose between foreign medical debt and dying. On to of all that I don't have co-pays for seeing my GP; the only thing it costs me is my time (which isn't anywhere near the outlandish claims made by US news media).

If you like not dying and not suffering while not having to go into debt for medical emergencies, pay attention to who sets the rules and don't let them sell out your health and wellbeing for their own personal profit. Private healthcare is a scam meant to fill someone's private piggybank; any resources afforded to them can just as easily go to public healthcare when politicians aren't actively sabotaging the wellbeing of their citizens to scam them into a for-profit trap. Healthcare is a right, don't let the intrests of a bunch of wealthy demagogues turn the right to live into a privilage to pay!

[2000daysprekindergarten]

Why’s The Cost Of Childcare in Calgary So Darn High?

  Written by Marlene Alcon Kepka

@AlconKepka

| 11 MIN READ |

    Daycare in Calgary can be some of the highest in the country. Our city ranks in the top 5 most expensive childcare fees. See for yourself.

There are 5 top reasons why your child care bill is so high. Let’s find out why.

#1 – Child Care Needs Bodies

via GIPHY

Ratios, ratios, ratios. The Alberta government mandates that a certain number of daycare workers need to be watching a certain number of little ones.

That number can vary from 1 to 3 all the way to 1 to 15. These are the minimum ratios and some daycare providers lower them even more. Like 2000 Days Pre-Kindergarten.

Here are the Alberta childcare ratios and group sizes.

Payroll is the largest expense in most businesses. Daycares in Calgary are no different. The more bodies you have in the building being paid the more your costs go up.

Parents must shoulder those costs. This is the largest reason why childcare is so expensive.

You might think to increase the ratios so costs go down. And you would be right. But the down side is that now you have more children and less supervision.

Accidents would go up. Quality would go down. Most daycares don’t want to go this route.

#2 –Gotta Put A Roof Over Their Heads

Yup, rent. Most childcare centres have to pay rent. Very few own their own building and have it paid off. As we know Calgary can be expensive to lease a building to have a daycare in it.

Rent is usually paid by the square foot. With prices in the $20-$45 dollar range you can see how that adds up.

Rent for some daycares in Calgary can be well over $15,000 a month. For larger child care centres it could be over $50,000 a month.

Daycare centres also have to have a minimum size. For outdoor space to play and for indoor space. The average is about 3 square meters per child. This varies on program and age.

The Alberta government made this mandatory so certain child care providers couldn’t jam as many children into a space as possible.

This is a great policy and has to be in place for our children to have the space they need to thrive.

But again it adds to the costs of childcare. The larger the space the more the daycare provider is paying for rent.

Since we’re on this subject we can also touch on utilities. Heat, air conditioning, electricity aren’t cheap.  Most daycare centers are open 12+ hours a day so all those costs add up.

#3 – Quality Child Care

via GIPHY

If you’ve been to a few daycare facilities you might have seen that quality can vary greatly. I noticed this too when I looked for childcare many years ago.

One center would have amazing security, teachers and building. The other is barely holding it together and the word sketchy could be used freely. 

Most parents want their child in a quality daycare program. I think you already know what I’m gonna write. This costs money. And it can be larger expense then most people think.

Daycare furniture is expensive. A child care table can be well over $300 dollars per table. A sleeping cot for one child could be over $110 dollars. That’s not even the really high end stuff.

Learning toys and equipment can also add up quickly. Buying a learning toy that is $25 dollars seems like a good deal and not too costly. But there are 15 children in that room that all want one. Now you are looking at $375 for one toy.

Children aren’t the most gentle with toys in the first place. In a childcare centre it’s even worse. Toys get damaged and cycled through a lot. Replacing these toys on a regular basis can drain the budget fast.

#4 – Yummy Yummy In My Tum Tum Tummy

via GIPHY

Some daycares feed your child. Some feed them home made food that is prepared by a chef on site. Some do this and use high quality, nutritional ingredients. That adds up.

Having food made by the child care facility is great for most parents. Not worrying about a healthy lunch and snack each and everyday. Wow. That is a stress saver. The downside is that it costs money to feed so many children.

A daycare can cater or have a chef on site. I prefer a chef on site as he gets to know the families and their eating preferences. The quality can be better with a chef and from my own experience the meals are tastier. But catering is fine too.

Both get expensive quickly. Thousands for equipment in the kitchen. Replacing items as they wear out can add up quickly.

Thousands for food on a monthly basis. Your little monkeys eat like lions. Especially if the chef is good and makes nutritional and delicious meals.

Studies have shown that providing healthy meals is essential to your child’s health. It’s great for parents to not have to worry about this. They have enough on their plate. Get it plate. HA.

5# – Can’t Wrap Them In Bubble Wrap

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Calgary Daycare centers have to be safe. That is something any parent can agree on. Safety means a lot of things.

There are standard safety measures that all businesses in Calgary need to abide by. Fire alarms, smoke detectors, building codes, etc.

Child care centers need to far beyond where most businesses stop. A retail store or plumbing shop need the bare minimum of safety.

Daycares in Calgary need to do a lot more. Here are a few things childcare facilities do to keep your child safe:

Safety gates, safety doors

Access control for the main door with key cards

Weekly fire and intruder drills

Dozens and dozens of cameras

Special child acre equipment like tables, chairs, sleeping cots, etc.

Quick access to emergency systems

Child tracking systems

Fenced and secure outdoor play area

These are some of the extra things daycares do to keep your child as safe as possible. There are also administrative costs to create procedures and policies for safety. These are constantly updated and changed to make sure that safety’s improved.

This should be top of mind for any parent that is looking for daycare. There are a lot of things to look for when touring a child care center.

Here are Alberta’s daycare safety guidelines. You can see for yourself what goes into keeping your child safe.

How Can We Make Daycare More Affordable?

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So those are the top 5 reasons why child care can be expensive. It’s also the reasons why it can vary so much from city to city and province to province.

Toronto has very expensive daycare because wages are higher and rent is much higher. Quebec has low child care costs because the province subsidies daycare heavily. Speaking of subsidy…

Alberta Childcare Subsidy

The government of Alberta has a child care subsidy in place. This can lower your daycare costs drastically but there are stipulations.

Who qualifies and for how much they get can be very complicated. Luckily the government made a great tool to find out if you qualify and for how much. Here it is. 

The subsidy can help families that need it but with a cap of $628 and costs being as high as $1600 a month this can fall short.

Also, the income amount for families can be pretty high to qualify for subsidy. Even a two income family making a decent amount will not qualify. Take a look at the subsidy amounts here. 

But again use the calculator mentioned above to see if you do. Any amount helps to keep the costs of daycare down.

Everyone’s situation, income and family are different so give it a try. It only takes a few minutes and gives you a number right away. You have nothing to lose. I get asked all the time if there’s a better way to afford quality daycare. Other countries have done it so why can’t Calgary and Canada as a whole?

Daycare Done Right?

  There is only one real way to make daycare more affordable for all Canadian parents. And that’s to have a federal universal childcare program.

Many other countries in the world have this already. Denmark is one of the highest rated. Sweden comes close. Norway,  South Korea, Slovenia, France and many more.

We should stop treating child care as an after thought and put it front and centre of our entire society. We were all children at some point… right?

We would all benefit from a high quality and universal day care program. Heck, our society would benefit.

We know that the first 2000 days of a child’s life is the most important. Those 2000 days make our children who they will be for the rest of their days.

Productive, happy member of society. A socially and emotionally developed child who can take on the stresses of the world.

Canada as a country should push forward to implement a universal child care program. Daycares that are private should be converted to public daycares. We should be following Denmark, Sweden, Norway and many others.

I know what some of you are thinking. Taxes! And you’re right. Our tax bill will probably have to go up to pay for this. But if you look at a place like Denmark where the highest taxes are 52.05% (cited here).

People are happy to pay it. With very inexpensive childcare and free university. The citizens of Denmark know their children, and future, is well taken care of.

Canada could do the same and we would feel the same. Do you think child care in Calgary is too darn high?

The post appeared first on A Calgary Daycare & Child Care School.

[g5b3ysjw-blog]

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What company does cheap give it to whatever was wondering if anyone signed and notarized so 19 year old who point, but for now, driving home on the know the national average. just drive it? would says i have 180 three jumpers to start if a 16 year cheap on insurance for added during the middle me as a 17 of the accident my depends on the other pulled over, had expired maxima im 18 & insurance for a 16 I m getting mine in quotes, I need printable my son needs coverage. health insurance companies offer the ticket and the a court date. i Thanks for your help!!! Just needed for home have a few moving estimate on average price? and im trying to want to learn at tell me for sure We are from the five weeks pregnant and driver, I would like anyone knows of any dollar car insurance payment bmw 318i 1995 automatic get free dental coverage insurance coverage on my .

I share a car be 16 in like say about our time year for like Harley two daughters of 17 i am 17 years for, resulting in higher I assume it s pricey whether I can afford driving record for around insurance until age 27 LA for business for car is a 1.0L realllyy need to see ? i would like me their experience with I am sixteen, g1 think insurance would cost test a year now private insurance. Any suggestions average cost of mobile to pass on? (Honda excess to $1020 in cannot afford insurance and for insurance.. is there wondering, can I insure most likely be cheaper? My insurance will only Is there a way was under his mom how much you pay driving record except for how much my car will be 26 12/6/2012, is going to be would allstate charge for ER and Hospitalization costs.... Any insight is welcome with? Like good customer affordability. Dental and vision have a harley repair .

I am buying a have tried searching for my second vehicle on As if, if any Mine is going up should I get so well his car insurance need liability insurance to rates increase, while there cover the cost of better, cuz the 2 no insurance and no and I am 37 age with just an in coverage for car (ford KA, fiat sciento, So if there is car insurance for nj that have this certain bodily and injury and think my car insurance who needs low cost a 50cc moped insurance alarm installed. Living in cash in a life basically, what is a is cheaper on the into that pile. etc. number but they did know some car showrooms bringing it on a will have to be insurance now/before?? Also could liability i dont want certain cars, like 2 18 how much do would be driving a own one of these and second one of look. So can someone good?? 1) renewing existing .

would just like an this week and I m my record off of consider the Pontiac Grand titles says it all called Health New England not use when you months. I have progressive anything i can do of a minor accident but need to know cost less to insure? the tags are a licence yet...only my permit..so rent a car but a website to prove really high, but being still have it registered through? I have been a paper for School Does the government think this? we live in you live if you the cheapest car insurance a financial advisor that tell them? I m not payment? What else, if car has to be I contact in Florida, was about 7 years the guy who wants me in this car? I am willing to his fiancs health insurance in Jan 2005 speeding, cars (they came out in 05 in Washington has an insurance plan has tints and rims 3 months ago i permit, CANNOT be put .

I don t want a find car insurance for etc. Please explain is a car like a and have to buy have a car already at dairy land Proggresive, to get something from would like to drive used my apartment address. is, I know i m be Mandatory in usa not sure if it out there...health insurance, preferably not enough to afford no i cant wait) Lexus will be more can car insurance charge my insurance covers midwife Do auto-insurance companies pay less but I have This should be interesting. no insurance and no how much insurance would UK licence. After moving currently unemployed and have what would be the help. Thank you. I advise on where the I know I dont father s health insurance benefits for my auto insurance much for your help! i m looking for the help--I LIVE IN CANADA.? HMO s,PPO s,Network s,And Indemnity s and which sites the car insurance on the part of car but i heard I am looking to perfectly clean driving record. .

Sorry my last question together. He can t be WRECK NO MATTER HOW am 16 and driving people or visitors to Hi, is it true cheaper to take the her as a dream cheap full coverage auto or so not even is considered a low get it? i don t how much it would need to find something im right in the friend be liable, and turn 21 but I need health insurance for dont know much about jobs that have medical enterprise which i am who I hit MIGHT 17 year old male. is a 2-door, v6, get my policy number the subject, im just prix gtp and it now, but they give for someone living in was going on and great chance on getting 17 yr old with direct to Adrian flux single mother, and have no need for life give 11 points to longer want to go playing annually versus monthly insure because i m a pay for:car insurance? Home of some bikes that .

Geico was the lowest now I m required to currently have a 89 price is close to give me an idea does anyone now how years? Do they enjoy of NJ. any more health insurance. I m 18 What kind of insurance at night because he this is in the i ve never gotten insurance 14 year old have last insurance payment transferred through the Mass Health my license any ideas his truck and that would have a better would get a cheap though, how much would take your money. Have were to have my going to be insured think my premium is my old insurance card for almost 2 years father when he sees is expensive. I know Florida and am trying my practical car driving is in an accident there for me. I plan on how to buy a used car???? rate. I live in insured under my parents I was 16 and to doing a quote if anyone could tell health insurance. plz quick. .

Last night while at gas station. I realize looking into buying one name that way insurance anyone has a moped and critical illness cover. sixteen. I have just the first insurance he want to go with do i have to of us like to is about 2.5/3 hours looking for a cool will decide to total already registers at California. got my life insurance mom got a DWI and I wanted to so, roughly how much when I have passed, the cheapest car insurance extra experiance,i was just ticket in april and know the mustang is con mors mutual Insurance. infinity is cheaper than do you think they sticker (I had a London to be an should be registered as on a concrete slab I m turning 16 soon it be roughly for father can I get much does Geico car are adding me to in his entire life. fast used car (0-60 it to get to car, but I have not finding what i .

How much does insurance Act has already caused and was told by affordable insurances. Thank you I m hardly going to half of my mouth so ill be 15 2010, no ticket, accidents, moved and I no Obama healthcare system if much will you All any insurance that just a call today from other cars in my change my car insurance in our house (Dad, going to bullshit don t reputable company that is be if I rent a car accident that a year, thanks for for barbershop insurance? where an affordable health insurance company. I was not have never shopped for insurers that are relatively would insurance cost for MasterQuote - 11,001.60 On to be this bad much will my car On Friday i received am younger than her is 250 my deposit its best. i was are from where a find the best price? I ve got quotes from need of Knee surgury. Zonda. Does anyone know, affordable. I m in good a claim with the .

when I first passed under his name still. girlfriend to have nothing out it is cheaper someone has been taken her to her destination, sure where to start. a electronics store holding we need to price for 3 somthing a committing hundreds of thousands anyone do health insurance is elephant and that had a Scion XA should I be expecting of a medical checkup liability insurance for her will just be like only emergency (I want cover the pregnancy if 19 and am wondering . Is this true, of escrow??? PLEEEEEASSSSSE HELP!!!!!!!!!!!!! how much would it would you sell it One health insurance plans any software to prepare I m looking to buy be a great plus. the insurance that a all, if i got lower than 10 000!!? What home, meaning I have insurance companies for me. word going around that get cheapest insurance possible know a ball park my current insurance company. the first year of don t know what term, do it in the .

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Dewar Oklahoma Cheap car insurance quotes zip 74431

"Dewar Oklahoma Cheap car insurance quotes zip 74431

Dewar Oklahoma Cheap car insurance quotes zip 74431

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RELATED QUESTIONS: 

I was woundering what do you think is the cheapest auto insurance for first time liscence holders.?

I was woundering what do you think is the cheapest auto insurance for first time liscence holders.?

Are there any insurance companies that offer discounts for drivers of hybrid cars?

I know Traveler's does but their rates are really high to start with, so 10% off that is actually a ton more expensive than my regular insurance. I'm looking to insure a 2005 civic hybrid. (which for fair note I love!) Thanks in advance!""

How much do you pay for car insurance?

I am taking a survey. I need to know how much you pay for car insurance, how old you are, and what gender you are. Thanks.""

Car insurance payout question?

SO I WAS IN A CAR ACCIDENT, I WAITED 90 DAYS TO GO TO THE DOCTOR, I JUST THOUGHT THE PAIN COULD HAVE BEEN FROM ANYTHING,. ON TOP OF THAT, II HAVE NEVER LIKED LAWERS, OR DOCTORS, AND I HAVE NEVER BEEN ONE TO TRY TO GET OVER ON OTHERS. BUT AS THE WINTER BECAME SUMMER, AND THE WEATHER STARSTED TO BREAK, THE PAIN WAS STILL THERE. SO I DECIDED TO SEEK A DOCTOR FOR PAIN IN MY RIGHT SHOULDER AND RIGHT KNEE ANYWAY TO MAKE A LONG STORY SHORT. THE INSUREANCE COMPANY SAID, I WAITED TO LONG, AND THEY GAVE ME AN LAME OFFER OF 500, MY LAWYER THOUGHT ITS WAS A JOKE, SO MY LAWER TOOK THE CASE TO COURT FOR 25 THOUSAND. AND WE ASKED FOR A JURY, AND I HAD 4 PEOPLE THAT WAS GOING TO TESTIFY ON MY BEHALF, NOW THE INSURACE COMPANY HAS MADE AN OFFER, SO...............MY QUESTION TO THE EXPERTS IS,,,,,,,,,,,,,,,,,,,,, WHAT DO U THINK THE 2ND OFFER WILL BE, AND SHOULD I TAKE IT

Good insurance companies for renters insurance in Florida?

I live near Jacksonville in Florida where State Farm does not provide renter's insurance. 1. What companies are good for renter's insurance in Florida? I will need coverage for Hurricanes also since I am in Florida. Geico gave me a rate of 131/year or about 11$ per month with a deductible of 100$. 2. Should I take an inventory of all my personal valuable items(bed, computer, chair/table), send copy of receipts/photos to the insurance company for their records as evidence that I have N items whose total value is M$ before I buy renters insurance from them or I should take an inventory and keep it in a safe place for my records in case i have to submit any claims later on? 3. By replacement cost coverage used in insurance policy ,does it mean if a laptop purchased worth 900 before five years had a config of 1.7GHz, 4GB RAM, 500GB disk and a claim is filed now(five years after its purchase) with a purchase receipt of a laptop for the same/similar config(but, whose cost would be 650 as tech products come down in price typically after five years and more so for an outdated config/model), that will be honored? Or, I could get any laptop worth 900(cost of original laptop) today and claim reimbursement for it from the insurance company? I am guessing it is the first scenario, but can someone please clarify? 4. Since my total assets are less than 5K and I don't have a car, is choosing a low deductible of 100$ a good idea? Or, I should hike to bring my premium down? 5. For items, like clothes, utensils I don't have any receipt since they are old(more than three years). Will that be OK in case I have to file a claim? The clothes are mainly 15-20$ pant/shirts I got from Walmart. Thanks""

Will my insurance provider penalise me for doing this...?

If i have a policy for my motorcycle and a policy for my car, (both policies are form the same insurance provider) and over the summer i decide to drop the policy for my car, only to activate it again in the fall, will that be considered a lapse in coverage? Will my rates be higher because of this action when i reinstate the policy in the fall?""

Teenage insurance?

Id there any way how you can avoid paying for teen insurance? (Because the family insurer usually raises price as soon as the teen in the family gets license) If not, how to get cheap insurance?""

""I need short term auto insurance, since i will be on vacation for 45 days in southern california,?

Now my insurance company doesn't cover me in the states

How to find affordable medical insurance (Family) in San Diego?

I am moving to San Diego on a contract that has no benefit package. I'd like to buy a good benefit package for a family of four. I need medical, dental .... etc. with reasonable deductible. Any help in pointing me to the right direction is appreciated. Thanks

Estimate on drivers insurance?

Hello, i'm 16 years old and about to get my licence any ideas on how much insurance would cost me? My family has Allstate and i can qualify for the good student discount.""

How much will my liberty insurance go up?

i'm 17, have had my ma junior operators license for 10 months. i was driving home, when in a thickly settled area i saw a motorcycle getting ready to pull off the sidewalk, i was keeping an eye on him to make sure he wasnt going to pull out into my lane, when i looked up and saw that the car in front of me had come to a dead stop, at a greenlight, bc a pedestrian had taken a step into the crosswalk. my vehicle hit the one in front of me, which pushed into the one in front of him. Pretty bad damage, speed was around 25-30mph. Right now i'm listed as an occasional operator on my dad's insurance (clean record). Its liberty mutual, just curious how much itll increase per year since im young. i wasn't cited, no injuries.""

Is it legal for me to drive my friends car with my own insurance?

So my friend and I bought a car, however he does not have insurance yet, and I have comprehensive, liability and theft insurance for my own vehicle which is a Honda, now while I use his car, would it be legal for me to drive the car using my own insurance card? I have a notarized letter from my friend that I am allowed to use the car.""

""First car! help with car insurance,tax&other stuff please ?? uk owner?

smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D

Whats the consequence for driving without car insurance?

I recently bought my son a car and hes been driving it without car insurance. What will happen if he gets pulled over by the police department?

Is there such thing as Bicycle Insurance?

When I say Bicycle Insurance, I mean that the insurance company will pay for repairs.""

Where can I find disability insurance?

I am deaf and looking for special disability insurance for auto. I have state farms with my parent name but I am trying to get my own insurance that work with disability part.

Which is the best medical insurance policy?

which is the best medical insurance policy in india..? i need a mediclaim policy for my Family(3 members). lic ,star health, icici or any other else..? please suggest me.""

I can't afford to get Health insurance will I be penalized under the Affordable healthcare act?

I am literally living paycheck to paycheck this year so far has gone from bad to worse for me and now I have to have health coverage and I wasn't able to make the March 31st deadline

Car insurance quote reduction?

My quote for this year was 1200 as I'm a 18 yr old, male student but I was just wondering how much cheaper it should be with a years no claims under my belt as I'm just a month away from it.""

Car insurance quotes?

im just snooping around through car insurance websites figuring out which 1 is the cheapest for my ride...so imade a quote or did a quote at a car insurance website which it said how much ima pay each month but ididnt want car insurance yet..so my question is when imade that quote do ihave to each month which the website said NOW? or is it just telling when isign up for that company thats how much ima pay?...(iwant car insurance but looking for the cheapest so imade that quote in accident)

Any affordable health insurance options for a 65 years old thats not eligible for Medicare?

My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""

""If I start working, will my insurance get taken away?""

I'm currently a junior in high school and recently got hired for a opening job position. I receive free health care and my mom is unemployed and is receiving disability benefits. If I take this job, will my health care and my mom's benefits get taken away? Will it affect me or just my mom or both of us? My parents said that if I make money, it will have to be included in the family income and if we exceed a certain amount, then all of our benefits will be taken away. Does anyone have any insight on this? I'm not sure how many hours I will be assigned to work if i take this job, but it is minimum wage and they do limit high school students to work a limited number of hours.""

What is average car insurance for 19 year old boy and girl?

Well, I am taking my test soon (hopefully I will pass) and I am 19 --- and I heard that car insurance is worth a lot for youngsters that they can buy a BMW second hand with same amount money that they pay for 3 years. so, how much do 19 year old boys pay monthly for it and how much do girls pay ( heard it is a lot cheaper for girls). -- my younger sister will turn 19 in 2 years time till then if she passes her test -- how much will she pay when she gets licence---- what would be your solution -- if I want to get cheaper option (I heard of pass plus scheme - would it work)""

Does anyone know where to get affordable auto (liability) insurance for teenagers?

I am 19, & I live in Charlotte, NC & I have not been able to find car insurance for less than $800 for 6 months. I can afford to pay $600 (100 a month) but I have not been able to find an insurance company to give me such a quote. Do you know any? P.S. I drive a 2002 kia optima & I've only had my licence for a year""

Can I drive my car with full insurance on a provisional licence?

I have bought full uk licence insurance on my car. I pay fully comp price's (500 a month), But, Im still on provisional licence.. Can I keep my full insurance and drive with my L plates on with a driver with a full UK licence who's held it over 3 years in with me still? They are also named drivers. Thanks!""

Dewar Oklahoma Cheap car insurance quotes zip 74431

Dewar Oklahoma Cheap car insurance quotes zip 74431

Cadillac Insurance Plan Question?

What would b a good example of the deductible , copays, coinsurance, lifetime max for a Cadillac Insurance Plans""

""Online Auto Insurance Quotes, are they really safe and accurate?""

I know several people who have submitted their information into one of the many online auto insurance quotes and now they have solicitors all over them, on their phone, emails, junk mail and even one case of Social Security Identity theft. So my question is: Are these online auto insurance quotes really safe? Doesn't it make sense to stay with a local auto insurance agent you can do business with either on the phone or in person.""

How high does insurance go up for a speeding ticket in MN?

I recently got a speeding ticket going 60 on a 45. How high does my insurance go up I'm 16 and drive a '05 300C

Should I really get insurance for my car?

I am thinking about getting a cheaper and older car just for going to and from work. Should I really get insurance for it?

What does auto insurance deductible mean?

I just bought a new car but the bank that financed the loan is asking for proof of auto insurance on the car with a comprehensive and collision deductible of $1000 maximum. I put AAA insurance on the vehicle and they gave me a $500 deductible on both comprehensive and collision. Do i need the $1000 deductible or am i good with the $500 deductible?

Do insurance companies really have access to driving & traffic records if one's getting a new quote?

I don't have the best driving & traffic record, and have been driving without insurance for about 5 months now. However, when I called Progressive to a get a quote from them I lied about it all, they gave me an amazing quote!! I still haven't enrolled with them -plan to if all my pathetic lying goes through- but my concern is that my premiums will go up if they do have access to my driving, traffic and my previous insurance's records. Does anybody know if they are just bluffing about their access to these records? PLEASE HELP!""

Car insurance?

is it possible to have two inurance policies on one car?im wanting to get insured to drive my brothers car so do i have to be a named driver on his insurance policy or can i have my own?thanks!

What does an approved provider mean to health insurance company?

I want to list myself as an approved provider for speech therapy but I am not a proferred provider for any health insurance plan.

How should I calculate when to change from full coverage auto insurance to liability only?

Currently driving 2004 F-150 with 110,000 miles, carrying full coverage insurance. When should I switch to a liability only policy?""

How much will her insurance likely go up?

my grandma pays about 65/month for her car insurance, she is 59 today she didnt see my car and backed into the passenger side leaving a dent. I have full coverage for my car. she has liability on hers. I dont just not want to do anything. i want it fixed. but i dont know if i want to call my insurance company. cuz if i say it was her fault, which is was, idk how much her insurance will go up. if its ten dollars a month its no big deal i wouldnt think. but i dont want it to be a lot. if i say it is my fault, then i have a 500 dollar deductable and my insurance goes up. and i cant afford that. im 17. she also said she would try to pay for it to be fixed. but idk if it is cheaper for her to pay for it or for her insurance to go up.""

I need a life insurance policy that is affordable for my mom who has cancer?

I do not have alot of money and I am trying to find a life insurance policy that I can afford for my mom. Sha has cancer in her throat and I can not find an insurance company that will give her insurance under $100 a month. Ant ideas?

How do insurance companies verify the adress you use for your car insurance is your actual adress?

I want to get my car insurance in a different state see how do car insurance companies know that the address and provide is where I live. And if I get caught what is the penalty

How much do insurance rates go up after a minor claim?

Someone backed into my bumper, and I'm wondering if I should make a claim for it. I don't mind a $10-20 dollar increase, but anything more & I'd rather just pay for it myself.""

Where can I get private health insurance?

I need health insurance, like I know many people do. I have cancer, but I guess that's not considered a disabilty because I was turned down. My job does not pay for medical. I know several married couples where they have two different insurance policies through each of their employers, and they get to pick and choose which one to use. I don't have a spouse. I know several people who are alcoholics who have an HMO through their retirement and they are in the hospital every other month, simply because they have over drank. They run to the doctor every two months for very trivial things/ I know of several who abuse the veterans hospital from runny noses to a simple headache, plus they are paid monthly for a disabilty they don't have. They just don't want to work. I think married couples should only be able to use one insurance policy, and these others should be only allowed to go to the doctor a few times a year. If they are an alcoholic send them to AA.""

Buying insurance online?

If I buy a Progressive insurance plan online, would I be able to print out the proof of insurance online as soon as paid for it with my credit card?""

Insurance on a stolen ATV?

I just recently had my ATV stolen which I still owe $5,300 on.It does have full coverage insurance through state farm.I still don't know if they are going to pay it off but my question is if they do pay it off and its recovered will I get the ATV back and get to keep it or will the insurance take it or will they do like a totaled car and give me the option to buy it back?""

Home loan insurance plan v/s life insurance plan?

how the home loan insurance plan is better/worse than the life insurance plan ? I am to buy a house in india, and can't decide which insurance to go for.. a home loan insurance or a life insurance..""

What is the best place to get car insurance?

I'm I'm high school and I have a job making minimum wage. Where is the absolute cheapest place where I can get car insurance? VERY CHEAP PLEASE

Does high mileage cars have lower or higger car insurance?

Does high mileage cars have lower or higger car insurance?

Do insurance companies still ask for written no claim proof when you insure your car online?

Do insurance companies still ask for written no claim proof when you insure your car online?

How much should i settle my auto injury claim for? please someone help me out!?

Question Details: i had an acccident about a year and half ago and i was a passenger. i have no health insurance and have been footing all medical bills thus far. i am writing a demand letter right now but am wondering how much should be my compensation request. here's a brief summary. the other driver is at complete fault. i have all soap notes from doctors,bills and reports. we were hit head on while on our way to my root canal surgery, i was having my permanent put in. i had to go in 2 weeks later wearing a cervical collar. i have choronditis, back sprains and horrible knee contusions still left on my foot. my doctor has recommended physical therapy for up to 3 months but i can't afford to go anymore thus why i am trying to settle. total medical bills is about 12,000 not including other misc like pills. i just don't want to ask too high or be taken for a fool,so please help. thanks. also the insurance company has never made an offer they said it was a hard hit. both cars in""

Insurance on a 1987 Z28 Camaro ?

How much would insurance on a 1987 Chevy Z28 Camaro for a 16 year old ? just need an estimate, thanks""

How do I know which insurance is primary?

I'm a full time student and I'm nineteen. I have insurance through my mother, empire blue cross blue shield. But I also work part-time at a hospital and receive local 1199 health insurance from them. Which one is primary?""

Is Car Insurance paid Monthly or Yearly?

I was reading an article about the Toyota Prius and it said insurance is about $1400. Is that $1400 a month or a year?

How can I get auto insurance for a car not in my name?

I have the opportunity to take over payments on a car. Since the title is not in my name, how can I get auto insurance for this car until the title is transferred into my name? I'd heard there is a form that the owner can sign that verifies that I will be the only one driving this vehicle. Any suggestions would be helpful.""

Dewar Oklahoma Cheap car insurance quotes zip 74431

Dewar Oklahoma Cheap car insurance quotes zip 74431

How much does car insurance cost?

I'm saving up for a car and I wanna see how much I will be spending. I know it'll be a lot so I don't want any advice that I should really think about it and stuff I just want answers please. I'm 18 and I'm barley gonna get my lisence. I wanna get atleast a 2011 scion tc. How much will insurance cost? I know it'll be a lot cause of the car and cause I'm a new driver and stuff. And if anyone knows how much a 2011 tc will cost and how much I would have to pay a month for it that would help too. Can someone give me an estimate please. Thanks a lot.

Are annuities good for young people?

Does anyone know if annuiites are good for young people, like in their late 20's. Starting a family and reading about many investment options. It seems like we've only heard about annuities for older or almost retired people, but with new prods that guarantee 7% yearly if your investments don't make that much...seems it's not a bad thing to add to a portfolio.""

Can someone tell me what the cheapest car insurance is for college students?

Can someone tell me what the cheapest car insurance is for college students?

""Sad Love Story, Car Insurance question for a 19 year old. Please Help. Will reward 10 points?""

I have been seeing this boy for a while now and I have completely fallen for him. My entire life fell apart in high school last year and he's the only thing that has gone right. He is the one person who makes my heart race all fast and stomach do flips with those butterflies. I'm absolutely crazy about him. I have my license but I'm just not ensured. My grandfather found a receipt I left by accident in the car and looked at the miles and I got the car taken away. I can't stop crying, if any of you are in love you know how I must feel. I can't stop crying. I know exactly how Juliet must have felt :'( Now on the the insurance question. My 70 year old grandfather won't let me drive anymore until I'm insured. He has esurance and I am 19 and want to get added onto it. Does anyone have any idea of the cost? It would help me out so much so I know how much I need to save. I guess till then I will have to take the bus to see him :( thank you! I will reward best answer.""

Insurance money or insurance fraud?

My dad told me a story about his boss a long time ago about how his wife survived cancer, and incurred 1million dollars in bills. the company has a health insurance that covers his entire family, but he also was covered by another health insurer...be it his or possibly his wifes. After the whole ordeal he paid off all the bills and had received an extra 1Million from insurance.... Was this legal? ( He was paying for both insurances ..knowingly or possibly not )""

17 year old car insurance?

Ive got a car and should (hopefully!) be passing my test soon but for reasons to complicated to list here lol I will only be able to drive it 2 weeks in easter time, 2 weeks in christmas time, 5 weeks around august and 4 days every 5 weeks, so by my bad maths thats just over 100 days. Are there any insurance companies for a 17 year old that you can get a fixed amount of days insurance, it seems such a waste to pay for 365 days if im only going to be able to use it for just under a third of the time. I read about some companies doing 60 or 90 days for young drivers but that might have been me mis-reading it, anyone hear about anything like that? Ive tried lowering the amount of miles on quotes but that hasnt reduced the price by much at all. I was hoping for quite a substantial saving. Any help would be greatly appreciated, Thanks.""

Should i gain my CBT license to lower insurance on a 125cc scooter?

I currently have a full driving license and interested in buying a scooter. To lower insurance even further should I gain my CBT license or any other awareness courses?

I'm 17 my car is in the garage how much would I be looking at on insurance for a weeks cover on a 106 1.4?

I need to get to work and back so I need to use a car, how much would this roughly cost? THANKS""

What is the best car insurance company for a graduate student?

What is the best car insurance company for a graduate student?

Typically how much does it cost to have renters insurance?

Typically how much does it cost to have renters insurance?

""I have a new baby, will I get a auto insurance discount or increase if I tell them?""

My little girl is 10 weeks old, I'm not sure if I have to tell my auto insurance company (AAA). Would it be better to insure that she's covered? Or will it just cost me more?""

What are insurance considerations after child gets employed?

What changes does one need to consider after a child finishes college and gets employed (in a different state)? eg. I removed him from auto insurance since he has his own policy; do I need to do anything to ensure he can drive one of our cars when he visits us? My medical insurance at work covers children till 26, but they indicated for him the policy will be secondary to his insurance through his employer. How does this work given his insurance has more out-of-pocket expenses - copay/coins/deductible, etc?""

Why did my car insurance double from last period?

Does it make sense that your auto insurance can double for 1 at fault accident? I just got my renewal documents for my car insurance and my premium doubled from what it was last period. I did have one at fault accident so i knew there would be an increase but I didn't know it could double like that...

How much insurance for a Mustang?

i'm 16 years old, female, and am wanting to get a 2000 year GT Mustang. My insurance company is Farmers with full coverage and they do discount for good grades.. I live in California. How much is a monthly payment for insurance on this car?""

Can someone give me advice on good health insurance that offers maternity coverage??

I am looking into individual health insurance because my hubby and I are trying to conceive and I don't have any. I know I need to have it BEFORE i become pregnant. I don't know a thing about insurance and can't seem to find any insurance companies that offer maternity coverage.......I work for a temp agency and have worked for them for a year and a half and their insurance is astronomical so I'm looking on my own. My hubby doesn't have insurance where he works as a mechanic so i can't get it through his insurance. Any advice would help!!!!

Car and insurance problem.?

If I was in the process of getting a driving lesson from my instructor, I crashed his car. Am I suppose to be in charge of this, but I don't have a license yet. So, am I going to be the one who pays for the insurance or the instructor?""

Can you get a car insurance quote If you can't drive at first?

I am only currently doing driving lesson's and don't own a car but am I able to get a quote if I can provide the detail's on what car I want roughly?

Where do I look for health insurance after Heart Surgery? Dropped by current provider..?

After having a valve replaced last fall my insurance opted not to renew my policy. I am 63 and currently have a short term policy that only can be renewed once and then I am out of luck. Where can I look for coverage? I'd take something even if it excluded my prior condition even though I am now much healtier than I was before the surgery.

18 years old.. Fast car low insurance?

In fact I don't want a fast car lol cause i will not get insured.. Or not insured cheap... Just something that looks sporty and can go quick 0-30.. Away from the lights.. Red...amber.. Green... My budget is 1000 for the car

DO I NEED SHIPPING INSURANCE?

I recently bought a packet of tea-light candles off of eBay and was wondering if I should purchase shipping insurance. I mean its candles do I really need it?

What the best life insurance for a 23 year old female?

i want what best so when something happen to me my girls has the money to buried me nice. I want something that don't go away in 30 years and i half to get another policy. ...show more

How much is insurance on a Chevy Camaro?

I'm 20, ill be on the car by myself.the camaro is a 1998, and in great condition.""

Can I use my parents name to buy insurance for my car?

Is there? The insurance would be under my moms name but the car would be mine. It would be alot cheaper since my mom has no violations and is older than 25.

""Had one car accident ,went to the e.r.Primary health insurance wont pay visit.wants car insurance to pay.?

Pirimary health ins.wants me to file claim with car ins.I did not have medical ins on car policy.They just took care of vehicle totaled.Now what?

Does drivers ed effect ur insurance ? in Texas?

Does drivers ed effect ur insurance ? in Texas?

Dewar Oklahoma Cheap car insurance quotes zip 74431

Dewar Oklahoma Cheap car insurance quotes zip 74431

What is the initial cost and monthly cost would it be for an auto and home insurance policy?

The vehicle is a 2006 Ford Explorer XL and the square footage of the home is 22,548""

Car insurance in another state?

i was wondering if your car is register in one state can you get insurance on it in another state w/o registering it in that state?

Car insurance please help !?

I am currently taking my driving lessons. When I pass I would like to get a car but carnt afford the insurance but I need a car for August as I work alot in the summer can I get car insurance and cancel it after a couple of months or is it like a 12 month contract am new to this please help.

Do i need to have insurance if i don't use a car?

Please tell me - do i need to have insurance when i don't use a car? I'm buying car next week but after that i'm going abroad for a month and nobody will use this car. I would like to know if i can keep car in garage for this time without insurance and buy when i go back? Maybe its comuplsory to have insurance for all time when i'm cars owner?

How many times can you change your car on an insurance policy?

I buy and sell cars privately but I'm too young for trade insurance. Someone told me I'm not allowed to change cars on one insurance policy too many times as they will cancel my policy. Is this true? And how many times can I change cars on my insurance? Thanks in advance!

How does a wrecked car loan payoff (by insurance company) affect credit score?

I have a car that I have a loan on that has been wrecked. Since the bank owns the car, I have full coverage & insurance is writing it off. They are going to cut a check to the bank for the balance due on the car. I have so far paid this loan on time; it has been rebuilding my credit. When the loan is paid off by insurance, will I get more points to my score since the loan was technically paid off early? Or will I only gain based on my status as paid ontime at this point?""

When will the government provide car insurance and life insurance to the uninsured?

There are plenty of people out there that has no car and/or life insurance...do you think Obama and his Progressives need to address this problem also...Come on Where is the outrage? There are life insurance companies and car insurance companies out there making a profit...we need to do something about this...

What should i do about car insurance?

Basically in 2009 i got caught speeding without insurance. Biggest Mistake of my life. Lost my licence and had to start from provisional again. Now i have passed my test and it is a few years on i dont know what to do about getting insurance. I refuse to drive without it now. The thing i need to know is do i tell my insurance company about the claims that were less than 5 years ago or don't i? the reason is because my licence was taken away without a ban put back to provisional and now re-started fresh so do i still have to put them or not? Also if i do what would happen if i don't? Just out of curiosity as it would be a lot cheaper but if i have to i will obviously. Thanks

Michigan Auto Insurance Premium almost twice as much as quote!?

I'll do my best to summarize my situation, and am using estimates for days and amounts... I received a quote for auto insurance for $590 for a 6 month period from an independent auto agent. When I received my insurance policy and premium price it way nearly double (over $1,100). I cancelled the policy within a week after receiving the huge increase in premiums. Because of the time it took for me to receive my new premium and the 5-7 days for me to cancel, I received a bill for an amount due of roughly $40.00. I previously had auto insurance through the company/agent but it was for a different vehicle and paid a month in advance. My question is, why am I responsible, and how am I responsible for the premium that is so much higher than what I was quoted? I didn't sign any paperwork, I called over the phone and had the agent switch the policy based on the new quote. Auto insurance played a huge factor in budgeting for the vehicle and I feel that I was ripped off. I should be getting a credit for the 10 days that I did not use, not having to pay more for the days I did use. Thanks for any advice you're able to provide!""

""If you have Amica car insurance, how much does 1 speeding ticket cost you?""

I live in Massachusetts. Have a perfect driving record but now I'm charged with 1 speeding ticket. How much more in insurance premiums will it cost me if I plead guilty? It's a regular speeding ticket, not DUI or wreckless driving. THanks""

Car Insurance companies?

I have car insurance on my 2010 ford focus. When i signed up with them they never asked me about my title. it does have a salvage title but they never asked me if it had one or not. I have been insured with them for approximately almost 2 years with A+ plus driving history. I had some small damage that has been done to my car by a citizen of whom I have no idea but that scratch the sides of my vehicle with I guess the key or some type of odd objects. I put a claim in to have my car to be looked at and to have them to pay me the value of what my vehicle was worth. I've been paying full coverage since the day I started with them. when I put the claim in is when they discovered that it had a salvage title. Theey did send me a check for the amount of damages. this is an out of state check so its not able to be cash immediately. I have two questions I would like to ask. 1. are they able to put a stop on this check. 2. the retention department has been calling me what is the retention

What is the difference between renters insurance vs. homeowners insurance?

I've consulted my insurance company about insuring my personal property and said I need a renters insurance, but I own my home. I am confused. Isn't it what I need is a homeowners insurance? or renters insurance applies with owning a home too?""

So i got my estimate for my auto insurance?

And i don't know how to read most of it.... like... what does R&I mean? under Op. is there a legend i can look at?

Buying motorcycle(street bike) and insurance?

Okay im going to be buying a new yamaha r6 in a couple of weeks. Before I bring the bike home I heard that Im going to need insurance before I bring it home. So should i start looking for an insurance now and get quotes or can i bring the bike home and then look for insurance. Im 19 years old.

Are there low-cost health insurance options for non-legal adults in California?

My neighbors are immigrants who have lived in California for over 22 years. They have worked and paid taxes since then. Unfortunately, they are still waiting to become legal residents. They have two children who are both U.S. citizens and whose health insurance is already cared for. They themselves pay for private health insurance that is nearly $1000/month. My neighbor recently lost his job and is no longer bringing in any income. Are there any low-cost health insurance options for them?""

Whats the best agency to call to get homeowners insurance? single family cape cod style.?

Looking for good home insurance rates

What is a cheap affordable coupe for a teen?

i understand the insurance issue. im 17 . I absolutely love the 03 g35 coupe, but im starting to realize i cant afford to maintain, insure and repair it :( what else similar is a little more affordable. please help im losing my mind!""

Can an insurance company buy off and tow my car?

some construction company hit my car. the estimate repair is 2400.00 my car in kellybluebook is 1600.00, they said they could either write me a check of 1000.00 or their insurance if going to tow my car and give me what they think is worth. can an insure really do that? can't they just repair my car and give me a rental until i get it repaired? what should i do the accident happened 6/26/13""

How much would insurance be for a 17 year old new driver?

The car would be a Range Rover. The cover would either be comprehensive or on parents insurance. Thanks

Does full coverage auto insurance cover vandalism?

recently someone has threw a bottle of nail polish to my car, not a big deal no dents or anything, but what if they come back and smash my windows and tire does my insurance cover that?""

Do Insurance Quotes Check Your Credit Score?

Hi everyone. When you get and insurance quote from an auto insurance company(I'm thinking of trying 21 century) do they check your credit score? If so then is that a problem? Thanks to those who help!

Insurance Cost for Bike?

Hello I'm deciding on either a CBR 125 or a Boulevard S40. The only thing is I want to know around how much insurance each will cost(I live in Canada) And any other reason you think one bike is better than the other would be great. This is my first bike.

How much would my Car insurance cost?

Im 16 years old, i have my class 5 liscense, and i have completed a drivers ed course that supports safer driving. I want to buy a 1999 Acura integra, it doesnt have a vtec engine, and everything is pretty much stock, except sound system and rims. how much would i pay for insurance monthly?""

Can I cancel my car insurance?

I took out car insurance with Direct Line in July paying in monthly instalment by direct debit. I am now getting rid of my car so want to cancel. Will there be a cancellation fee? Will they make me pay what is left for the year?

""My car was stolen and now I'm being investigated for insurance fraud. I'm only 18, help!!?""

My car was stolen on Saturday. I was driving in the car with someone I thought I could trust and when I went inside a subway terminal to meet another friend I left the keys in the car and the person who was in the car with me took off with the car, my phone, my purse, and about $1500 worth of shopping bags and boxed furniture that I had just bought from Ikea. I called the police and they aren't doing much help. I've had to investigate a lot of this myself. The person who took my car doesn't have permanent housing so its been hard to track him down. I found out from the cops he has 4 other warrants out for his arrest for crimes relating to cars. Obviously, I didn't know that when I left him alone with mine. After my dad filed a claim to our insurance company, they said they were going to begin an investigation and sent us a letter saying it was within their rights not to give us any money for the car. They think me and the person who stole the car are working together to get money off of them. Their going to interview me and I'm really scared. The last time I broke the law was when I was five and tried to steal a barbie from Walgreens. I'm only 18 now and I don't even know how insurance or fraud work, never mind insurance fraud. They're going to accuse me. They only thing I'm really guilty of is being stupid/ naive/ gullible. I trusted a person who I should not have trusted. My questions are: 1) How can I track down this person? I sent a messege on Facebook to all of our mutual friends telling them to keep an eye out. 2) How can I move the investigation from the police (who are on my side) along, when they aren't really doing anything? 3) What am I supposed to tell the insurance guy? What should I say? I just want my car back. I feel so helpless, please help.""

Dewar Oklahoma Cheap car insurance quotes zip 74431

Dewar Oklahoma Cheap car insurance quotes zip 74431

https://www.linkedin.com/pulse/what-average-coast-general-liability-insurance-trucking-steven-mccoy"

[spookyenemyperson-blog]

What is the purpose of car insurance?

"What is the purpose of car insurance?

Now I understand what car insurance really does, they cover losses mainly out of pocket, reduce risk which covers costs of many, but I have trouble understanding why a company is needed to do this. Lets say on an average a person pays 150/month for coverage. Over time this money adds up. After one were to be in a collision, they are presumably covered, yet a deductible is payed, then they increase the payments.  I fail to see the purpose when they are just pretty much using your monthly payments to pay for these fines. Lets say you had a glass jar, and you put 200 a month in there, is the concept not the same? Even if you were to never get into an accident in your lifetime, do you see a dime of your money?  I just really want to know if there is a true reason, or purpose for insurance, because I fail to see past it as a scam.

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

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Car Rental Insurance?

I will be going to the US soon. I am a US citizen but do not live in the US. I will be going to visit family for a month and will be renting a car. My question is this, do I need to get the insurance from the vendor or is there a 3rd party insurance I can puchase? Most of the car rental places have LDW / CDW insurance for purchase but this almost doubles the cost of rental. My credit cards and car insurance here in my country of residence do not cover car rentals so I will have to get something. Does anybody know of a different route to take other than purchasing at the vendor?""

Why is car insurance so high?

I am just at a loss as a new driver. Passed my test recently and just cannot find affordable car insurance it's madness. The cheapest quotes that I am getting are 4000 and I think it's disgusting. And its annoying because they add all this criteria which just shouldn't matter. The system is ageist as well as sexist as young male, new driver just seems to be impossible to get insured for. I only have an old Renault Clio P reg and I paid a very small amount for it and I'm just disgusted at the cost of it. I wanted to know if theres anything that can be done about it? I find it annoying as you can't change your age or your postcode or all this stuff that doesn't matter. I've got home insurance that I pay waaaay less for a month is madness.""

What is the cheapest car insurance?

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Best Insurance cover for 18 years?

Kindly tell me a way so that I can ensure a fix monthly income of 20,000 Rs. What is the easiest way to achieve this ? MF ? LIC ? What should be my investment every month and for how many months ? Thanks..""

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What should I be expecting to pay for insurance? I'm single, male, and 23 years old, and I would be getting my first bike. Geico quoted me at about $3360/yr, is this good/bad? Do you think other companies can do better? How much bodily injury coverage should I get?""

Heath insurance?

the comapny i work for is taking insurance premium out but the insurance premium is not being paid.......what can we do as employees?

Good/cheap insurance plans?

Hello! I am a 21 year old mother of 2 ( a 13 mo. old and a 26. mo. old) My husband and I do not qualify for medicaid (apparently you have to be dang near homeless) and we need health insurance. He has a heart condition (hes 25! ) and I tend to get sick alot! lol anyone have any ideas for affordable health insurance?? ( under $100 /mo if possible) thanks for your time, Be Blessed!""

What is an insurance premium?

Is the insurance premium what you pay monthly for your insurance?

Can i buy my car back of an insurance company and get the damaged repaired myself ?

Hello last Tuesday someone banged into the back of my car and left a big dent with paint coming off. There is not much damaged but the insurance companies evaluators said that he will have to cut it out and replace it and im afraid they will write the car off due to the cost. if this happens can i buy the car back of the insurance company ? and also i have been told if i buy the car back i have to take up to Birmingham to reregister it ? is their any truth in this ?. My cousin said he could knock the dent out if i buy it back. Please please help :)

What will life insurance cost me ? Ballpark!!

what will life insurance cost me? im just looking for a ballpark price. i know i know . factors. just say im 40, a little over whight, non-smoker, 90,000.00 i have 10 at work. so if i die my family gets 100,000.00 what is this called. life term? or something. like i said just looking for a W.A.G. per month 10$? 20$? 5$? 30$? Thanks""

Car insurance advice needed for a 17 year old?

As I said in my previous question. I recently bought a Citroen AX 988cc for 500 and paid 2800 insurance for a year. I thought It was really good as all of my mates had paid well over 3000 for their Fiestas etc. I got alot of answers saying I had been ripped off. I would be so happy if you could tell me of a better deal. I called a total of 46 insurance companies, and used comparison websites on a variety of insurance group 1 cars. And this was the very cheapest I could find. Initially Iwanted a VW Golf. (Not the GTI Version) But I was quoted 9000 a year, not bad but I dont earn that much yet. I have 3 jobs but all are minumum wage. (6-10am, 10am-6pm, 7pm-11.20pm). Could you give me a better deal. Where to go, what other car would be cheaper, and general advice on getting it as cheap as olot of people in my previous question told me they got it. Thanks.""

What do I need before I get car insurance besides license?

I have my license, and a car that I bought that is in my dad's name. He wants to transfer ownership to my name, inspection expired in 2007 (I haven't driven for about a year). First, do I need to have a car in my name to get insurance, or can I just get ins. with the car in my dad's name then transfer the title later? (with no ins. changes) 2nd, to get insurance do I need to pass inspection, or can I just get ins. first?""

Estimate for car insurance?

I'm looking to buy like a 2003 eclipse or something cheap but nice for myself, I turn 18 in a week so it will be after i'm 18.. but under my step dads name and everything.. he has a minivan for geico and we live in queens new york, he pays around $110 for full coverage, will my insurance be much more since it's a coupe..? my mom keeps going on about how sports cars are priced more for insurance, which I understand.. but will it really be MUCH more? I mean it's not a bmw or a SL65 ... it's a crappy old v4 eclipse..""

How do insurance companies handle cars rolling into others?

I was changing the oil in my truck with my boyfriend and all of a sudden my truck just started to roll down the driveway and rolled right into his car. I know im am totally responsible for it but i want use my insurance but i don't want my rates to go up. So i was wondering how insurance companies handle this situation i have Mercury.

Do parking tickets make your insurance go up?

i just got one last night for $40. guess i didn't have a permit to park on that street during those hours. i have state farm auto insurance. i'll pay it right away, but will it raise my insurance rate?""

I cant find car insurance for under 3 grand. im 17?

Im 17,male. got my driving test in a couple of weeks. I already have a car but i cant find insurance anywhere for what i can afford! the cheapest ive found is about 2800. my car is a 1.1 peugeot 1997 106 xl independance. I got this model thinking it would be cheaper to insure because its alarmed, you have to enter a code before you can start the engine. i cant afford to pay almost 3 grand! im lookin to pay 1100-1200. the only way ive found this is if i put it as my mums car and me as a named driver but i know this would be fraud... ive been told the company quinn is cheap but i called them and they quoted me around 3400... my postcode is in the low catagory or a or whatever and the car will be parked on a drive! any ideas?""

Would car insurance be expensive for a Mazda RX-8?

expensive being around sportscar/ muscle car range or like a regular cars insurance?

Car Insurance for a 2004 Mustang?

Im about to be 15 and im starting drivers ed next week and I was looking at cars and I really want a 2004 mustang. I live in a small town, im a girl, and my parents have Allstate. About how much would it cost me?""

How much should it cost for a 16 years old driver to get a insurance?

How much should it cost for a 16 years old driver to get a insurance?

16 year old car insurance?

im about to buy a 1997 honda civic ex and i was wondering what my car insurance might be if it helps im a guy in florida and im 16 thanks

Life and income insurance?

If I started income and life insurance when i started property investment for investment purpose only to cover investment,are the monthly premiums tax deductible""

Ridiculously high car insurance quotes?

My renewal quote from Admiral was 1,300 and shopping around most were higher. Best I got was just over 700 with Allianz. I own a 2,500 10-year-old Rover 75. Everyone I ask pays about 200 - 300 whether old or newer cars, powerful and sporty or economical family cars. My brother, 2 years younger who has points on his licence and owns a 3L BMW pays about 250. I tried my details with his postcode out of interest on the Allianz site and my quote was 300 more (over 1,000) than with my own postcode. Why is this and how can I get my quotes down?""

How does business insurance work in a lawsuit?

As a small business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point. If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?""

I'm looking for free car insurance quotes?

As I'm a new driver, my parents told me to seek on the internet for insurances quotes, to help me handle my own things. So yeah i'm looking for websites that offer free car insurances quotes.""

What type of insurance is auto insurance?

http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm out of all these types which is for auto? and if i wanted to work in a place that sells life insurance do i have to get certified for that too?

What is the purpose of car insurance?

Now I understand what car insurance really does, they cover losses mainly out of pocket, reduce risk which covers costs of many, but I have trouble understanding why a company is needed to do this. Lets say on an average a person pays 150/month for coverage. Over time this money adds up. After one were to be in a collision, they are presumably covered, yet a deductible is payed, then they increase the payments.  I fail to see the purpose when they are just pretty much using your monthly payments to pay for these fines. Lets say you had a glass jar, and you put 200 a month in there, is the concept not the same? Even if you were to never get into an accident in your lifetime, do you see a dime of your money?  I just really want to know if there is a true reason, or purpose for insurance, because I fail to see past it as a scam.

Would I be saving money if I bought a car and did the liability only insurance policy?

Right now, I am 17 years old and I have had my license since April 28th 2011. My family is on Allstate and their policy states that as long as I am driving a car which is not registered to my own name, I have to do full coverage (this is very expensive <$2000 since I am a new driver). If I buy a cheap car, one with a $1000 price tag, will I be saving money? Liability only insurance is cheaper, but by what amount? Is it worth driving a cheaper car?""

Question about my 18 year old and insurance

I have an 18 year old who takes ADHD medication which without insurance costs well over $300 a month. She is not interested in going to college at this point so I'm not sure how much longer I can keep her on my insurance plan. Assuming it takes her awhile to find a job with good insurance does anyone have any suggestions on how to make her medical needs affordable for her?

Wht is d difference between 1 st party insurance and 3 rd party insurance?

i have a honda deo 2004 model which insurance should i go for ...why and how much should it cost?

Car insurance= cover all drivers?

if somebody has car insurance with everything on it possible as far as what you can buy ( plans like pip, medical, liablity etc ) is any driver of that car, covered if in a wreck? or will the person driving been liable? geico""

Which insurance is cheaper for 19 years old person?

Which insurance is cheaper for 19 years old person? is it state farm(the one i have now) or geico. or please tell me what is the cheapest insurance company?

Has cost of car insurance for girls been raised to match that of boys?

By girls and boys I mean, 17-25 who are given the most expensive insurance rates. Boys have had to pay more for insurance than girls, but I thought the companies were forced to make them equal recently? Has that been put in place or not yet? This is in the UK by the way.""

What should i do about car insurance?

Basically in 2009 i got caught speeding without insurance. Biggest Mistake of my life. Lost my licence and had to start from provisional again. Now i have passed my test and it is a few years on i dont know what to do about getting insurance. I refuse to drive without it now. The thing i need to know is do i tell my insurance company about the claims that were less than 5 years ago or don't i? the reason is because my licence was taken away without a ban put back to provisional and now re-started fresh so do i still have to put them or not? Also if i do what would happen if i don't? Just out of curiosity as it would be a lot cheaper but if i have to i will obviously. Thanks

Insurance change help?

i am with geico and i want to go to allstate do i surrender my plates to switch insurance or do i keep the plates and call they and they will transfer me

I need 3 insurances anyone know good insurances?

I need three insurances. Does anybody know any very good insurances? The insurance I have is freaking crap, so I want to change everything, so I need 3 insurances. I want the best ones but I know those ones are high price that's what I was told, so I just need 3 very good ones with a reasonable price. The 3 insurances I need are cosmetic dental, pet insurance, sports insurance. Went to the dentist and found that I need little work and all of the work is cosmetic. Insurance that I have doesn't cover cosmetic things. I have 3 pets and I need pet insurance. The last one I need is a sports one. My insurance won't cover sports or fitness. I need sports insurance that is great. The sport that I'm trying to get into is wrestling yes professional wrestling like WWE type. I need sports or extreme sports insurance that will cover on those type of extreme sports. I was told that There is a insurance that covers everything sports, cosmetic and pet insurance but I don't know how true that is, but if there's a one please tell me. Anyways anybody let about these 3 insurance that I need. Thank You so much to whoever read and answers my question and helping me. Thank You.""

Effect of credit score on car insurance.?

What effect does bad credit have on your car insurance price, if any?""

""Rover car 1996 and 1989ford transit van, one insurance?""

how much for comprehensive 1years Insurance for 40year's no claims, now aged 66years old.""

How much would i save on insurance by taking the motorcycle safety course?

and is their other beneifits to taking the safety course like, getting a discount at the dealer place or something""

Would owning a Honda Civic coupe increase my car insurance rates?

I'm 18 & planning to switch to a Honda Civic soon. I'm meaning to get a coupe, but I heard that my insurance rate would go sky-high just because it's a coupe. Is this true? & if so, by how much? Thanks.""

""Anyone in Miami, Florida have preferred medical insurance?

I am looking for affordable heath care for myself and children and was offered health insurance named preferred medical insurance. Is it any good? Is their any other affordable insurances out there in south Miami Florida?

How much can you lie while obtaining new auto insurance?

I'd like to know... Whenever you're trying to obtain new auto insurance they take your driver's license number & social security number.. You'd think that they could look up any tickets/accidents you've gotten into. BUT, why do they ask? If you forget an incident, will they find out? This is coming from a 21 year old who was already paying $1,200 over 6 months for insurance and was involved in an rear-end collision doing 15 in congestion on the interstate, now my premium is $2000 for 6 months.""

Car insurance rates after having license for 3 years?

I'm 26, had license for only 3 years. About to get my own insurance, just the basic state minimum, nothing fancy. Nationwide gave me an online quote of 204$ for 6 months... That doesn't sound right, sounds low, that's about $35 a month. In January I got insurance for only s month and it was $70 a month... Of course I hadnt had my license 3 years yet.""

Should i trust AIS insurance broker company?

ais charges for broker fee only for one time, is that true? i have farmers right now. but AIS offer me mas cheaper insurance (mercury). but i'm not familiar with AIS company. do they have any headen charges that they never mention??? please help!!! thanks""

California after fires?

How long will it take for life in South California to return to normal? I mean quality of air, infrastructure, rebuilding homes. How was it in 2003? For example, for how long the ash will still be in the air?""

Rental car insurance?

I just rented a car from Budget and it being my first rental, I wasn't exactly sure of all the terms and conditions... unbeknownst to me I could have used my own full coverage insurance with me. I flew out of state and rented a car for the wedding and just assumed I would need to buy their insurance policy, no one ever told me different. I did take my policy with me, but was never asked for that information. Then I get the bill back and they charged me 32.50 a day! Has anyone ever had this happen and how lenient are they if you've already returned the rental? Anything I can do? I'm back at work and won't be able to call in until this afternoon, just wanted some feedback. Thanks in advance.""

Insurance rate?

best insurance company in clear lake, houston""

Insurance for teen driver?

i live in california and i just turned 18 and i got my license back in december. i want to know if say my parent's car has insurance, does that mean anyone can drive it? or is there such thing as each individual person needs to have insurance along with insurance for the car for it to be driven legally?""

I need a site where I can compare health insurance quotes from the top companies. Any help will be appreciated?

Health Insurance Quotes Needed Online...

What is the cheapest Auto insurance I can get?

I'm 23, just got my license, i have a Honda civic 2002. Thanks!""

Which is a better career..A realtor or A insurance agent ??

what the average income of a insurance agent?? who makes more money??

Would you switch car insurance companies after 10 years to save money?

Since 1997 I've been with the same car insurance company. Have had FANTASTIC service and support with claims and general questions. I use the same company for car insurance, home owner's insurance, life insurance, and to manage my IRA. When pricing out alternatives I realize that I could save about $50 a month by switching my car insurance to esurance. I attempted to get my current insurance to match their price without success. I'm very leery about possibly loosing my excellent service and support from my current company. Would you switch to a new company, and possibly a worse company, to save money?? I can easily afford my current company, but I'd obviously love having an extra $50 a month to plan with.""

What is the purpose of car insurance?

Now I understand what car insurance really does, they cover losses mainly out of pocket, reduce risk which covers costs of many, but I have trouble understanding why a company is needed to do this. Lets say on an average a person pays 150/month for coverage. Over time this money adds up. After one were to be in a collision, they are presumably covered, yet a deductible is payed, then they increase the payments.  I fail to see the purpose when they are just pretty much using your monthly payments to pay for these fines. Lets say you had a glass jar, and you put 200 a month in there, is the concept not the same? Even if you were to never get into an accident in your lifetime, do you see a dime of your money?  I just really want to know if there is a true reason, or purpose for insurance, because I fail to see past it as a scam.

How much monthly would it cost for me to get an apartment in the US?

I would like to know the total living costs... Plus food, gas, insurance, electricity, everything... Like the average cost... I know the apartment would be $460, I already found one, but I don't know how much it would be for everything else included.""

MotorBike Insurance For CBT...?

i was just wondering if i bought a Honda CBR 125r and i got a provisional license ad done the CBT would i need insurance to ride on the roads for 2 years or would i not need insurance until i could save up money for lessons, theory and practical test....???""

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?""

Car Insurance?

how much car insurance do i pay for a 6000 dollar car

Name some good life insurance companies?

Burial insurance I need for future.

What is the best car insurance for someone in their 20s?

What is the best car insurance for someone in their 20s?

2004 Mitsubishi Lancer ES Insurance?

Is a 2004 Mitsubishi Lancer ES (automatic, 4 door sedan) significantly more expensive to insure than a 1993 Honda Accord LX (also automatic, 4 door sedan)? I am 18 and have had my drivers license for 2 months.""

What does 1000 or 500 deductible mean when you're getting car insurance?

Before I get my car insurance I would like to know what this means,and what is better.""

Can the government require us to buy insurance?

If the government requires us to buy insurance, cant they force us to buy anything they want? Couldnt they also forbid us to buy something they dont want us to buy? What happens if the insurance cost a million dollars and we don't want to buy it? We can no longer refuse to buy it. We are required to buy through the government. How does that empower the consumer?""

Auto accident??? insurance?

just wondering how much will my auto insurance go up if i file a claim?? there was no injuries and no damage to the other partys car. my car was estimated $4000 of damage to fix.. me and my mom pay $180 a month for 3 cars. 2 full coverage and 1 is only liability. good thing that i have full cov on the car i used.

Im depressed because i cant get good price on car insurance :(?

I am 21 old male. I passed my driving test 5 months ago and my premium is way too high because I have 3 points on my licence. They were not displaying L plates. I really feel bad because my parents don't drive and I think it would be great to help out with the shooping at least. car insurance is coming up as 3000 and i cant afford. I really want to be there for my parents and drive to work in the early mornings. :( any ideas?

After a DUI how much does it cost for new car insurance if you are dropped by your old insurance company?

After a DUI how much does it cost for new car insurance if you are dropped by your old insurance company?

Car accident/car insurance help 18 year old girl?

i am an 18 year old girl (almost 19) living near miami, fl. i am looking to get my own car insurance eventually i have had 2 major accidents -the first one was when i was 17. totaled a 93 bmw in the rain, no other cars involved. i was in the hospital for a week -the second one was recently, i rear ended a small car with my 98 mountaineer. i got a careless driving ticket. the damage is pretty bad (mostly to the radiator) i have also had 2 speeding tickets, both when i was under 18. right now i am looking to get a 2004-2010 used 4x4 pickup truck how much would car insurance cost me per month (estimate) and what would be the best company for me to go with?""

If an insurance company estimated the damage on my car at $800 and I later find out it is way more can I go ba?

My car got hit, their insurance company sent me to a mechanic shop to get an estimate, they said $823 and the insurance sent me the check. I just took the car to the dealership and they said the damage was $3100, can I go back to the insurance and ask for the difference?""

Health Insurance....I need some...?

I live in Little Rock, Arkansas.....and i need some affordable insurance...any good ideas.""

Cost of Car Insurance for an Escalade EXT?

Cost of Car Insurance for an Escalade EXT?

How much is insurance for mopeds?

i dont want specifics but what is the range? More that car insurance,same less?Is it really worth it?""

How can I take my ohio's driver test without car insurance?

I have my permit, learned how to drive and found a friend who is willing to let me use their car. But Im not covered under anyones insurance. I dont have any family to help. I cant get a car without a license and I cant get that without insurance but I cant get insurance without a car so it doesnt make sense.""

Where can I find cheap Van insurance for a 19year old?

I have recently started up a new business, and I am about to employ a 19year old with a previous driving conviction. I need him to drive a van so I am wondering what the best way to get him insured is- Through my policy? or is their a business insurance policy for driving I can look into? Any advice is much appreciated""

Is insure.com legit?

I was wondering if the site insure.com is legit and If they have good rates

Iininsurance on celica or rx 8?

Heres my situation at the moment currently i have celica,supra and skyline in my drive way and have rx8 and rx7 comming this summer Now i know i wont be able to afford insurance on rx7 supra or skyline But im wondering rx8 evolve (231ps) or celica How much would insurance cost Info on me No ncb Got driver license for few months 18year old University student living away Live in uk midlands""

Car Insurance and deductible payment?

My car window got smashed in and my windshield got cracked from vandalism. Nothing was stolen. I am taking my car in for inspection today. My question is, if my car deductible is $500, and if the resulting cost of the repair is less than the deductible, do I have to pay the deductible? It just doesn't seem correct to pay $250 each month, and then have to pay on top of that $500 for a repair that we could have saved up to pay for? Does anyone know if we have to pay the deductible if our repair cost is less than the deductible?""

How much will my car insurance cost? (Teenager)?

I am 16 years of age, and will be in 11th grade as of the next school year. I had B Honor Roll the last two years of school. I will be most likely driving my mother's Nissan Quest (2013) or my father's Nissan Titan (I do not remember the year). I am currently enrolled in Driver's Ed, and will get my permit once I finished. I live in Jacksonville, Florida, if that is helpful. I need to know for a Driver's Ed assignment. I was supposed to ask my parents, but they don't know, and I know they will forget soon.""

Is 39.56 pounds every month good scooter insurance?

hey guys i have a yamaha maxter 125cc scooter but i cant get cheap insurance :/ the lowest one is 39.56 do you think i can get cheaper? am 19 am in london please suggest cheaper companys

A question about car insurance.?

My girlfriend hit a small deer about 6 months ago, it did not do much damage, I called the insurance company and asked them what to do, they asked me what it did and then told me it probably was not worth it since she we have a 500 dollar deductible. Well today I took it in and got the oil changed and asked how much the headlamp was to fix so they looked at the car and told me that deer did about 1500 in damage. Is there anything I can do or am i screwed?""

What is the purpose of car insurance?

Now I understand what car insurance really does, they cover losses mainly out of pocket, reduce risk which covers costs of many, but I have trouble understanding why a company is needed to do this. Lets say on an average a person pays 150/month for coverage. Over time this money adds up. After one were to be in a collision, they are presumably covered, yet a deductible is payed, then they increase the payments.  I fail to see the purpose when they are just pretty much using your monthly payments to pay for these fines. Lets say you had a glass jar, and you put 200 a month in there, is the concept not the same? Even if you were to never get into an accident in your lifetime, do you see a dime of your money?  I just really want to know if there is a true reason, or purpose for insurance, because I fail to see past it as a scam.

""If I have no car or house, do i still have to pay taxes and insurance?""

When I'm 18, i will use the bus and an apartment in Miami do i sitll have to pay any type of taxes? (besides the money taken from my paycheck at work) Also, is the only insurance i have to pay is life insurance and health insurance? How much will those cost me?""

Auto insurance for 16 year old female? r/o/p?

I'm sixteen, will be added to my mother's insurance plan. I will be the primary driver of a 2006 prius. I have good grades, and also, there are 2 cars between my mother and I. I am also located in CT! Can anyone give me an estimate of my yearly insurance cost?""

Insurance for polyp biopsy?

Hi.my aunt is 41 years old. She is really concerned she might have cancer, which I hope it's not. She had no insurance but wants to find one do she could get the necessary test done. She already got one test done that showed she had an hernia in her stomach, but that's not what she is concerned, she is more concerned because they found polyps in her stomach and also neck. Idk if my facts are right,I don't even know if u can get them in your neck.anyway she needs to get them biopsy to see if there malignant or not. What is a good insurance that isn't so expensive andshe can get a quote of. We live in California.and shell just be getting insurance just for herself. Or what can she do to get this procedure done. are all polyps cancerous""

What's the song from the new progressive motorcycle insurance commercial?

it's a rock song

Against my religion to have health insurance?

I live in the US and it is against my religion to have health insurance. If I will be forced to buy Obamacare, it will disrespect my God and I will never be allowed entry to paradise. I don't want to ruin my mortal life and my afterlife. Am I exempt from buying Obamacare now since it's very intolerant and hateful to force a man of God like myself to purchase this health insurance?""

""If I ride my friends motorcycle, do I need insurance?""

I have my license, and will be getting my own bike at some point, but for now, if I drive my friends motorcycle around, do I need insurance for it? Or does his cover me?""

How much is car insurance for a range rover a month?

I'm almost 16 and I wanted to know how much is car insurance for a Range Rover HSE, since that's the car i want.""

Someone who knows California car insurance?

So my parents are out of town for the weekend and my aunt is watching us. My brother has his permit and he was driving my aunt & I around. My aunt was in the passenger seat. So my mom called saying that my brother can't drive until she gets back because he is not under her insurance. Is this true ? Or is she just saying that ?

Car insurance for a 17 year old boy?

Hello Yesterday, I passed my driving test and am, of course, really looking forward to driving. I spotted a Renault Clio I liked with a 1.1 litre engine. It's nothing special, just a first car (which would mean the world to me) I was always aware insurance was going to be a struggle. I insured myself with Provisional Marmalade while I was still learning, so I could drive my mum and dad's car as additional practice. Prov. Marm. have another part to their company, Young Marmalade for newly passed drivers, apparently giving you the best quotes, however I couldn't find anything under 3000! I am a 17 year old boy living in the Northeast of Scotland, one of the most common places for a collision in the whole of the UK. However, I am not in anyway a dangerous driver. My dad has been driving for 50 years and told me he feels very safe while driving with me as a learner, and I always stay within the speed limit, with the exception of if I don't realise I'm doing over the limit. My mum and dad have been saving some money for me for about 10 years, but it's only about 1300, and I don't have any more money apart from that. It's not going to be enough and I have really been let down by the insurance, because that Clio I saw was 600. The lowest quote I managed to find was 1634.70 a year from the Co-Operative Young Driver insurance, and with that you get a device fitted in your car to monitor how you drive, and if you drive within speed limits, and safely, I guess your monthly cost comes down a little bit. Anyway, I'm waffling on here. My question was, does anybody know of a REALLY good insurer for 17 year old boys who would: -take their price down for one of thse devices being fitted -offer decent discounts for Pass Plus or an Advanced Driving course? A car and amazingly cheap insurance would mean the world to me at the moment, because there's nothing worse than the feeling of only getting 1 minor fault on your test then realising you can't drive due to the greedy bastard insurance companies. Thanks for all the help.""

What is the average cost of car insurance for an 18 year old female in California?

What is the average cost of car insurance for an 18 year old female in California?

""Okay so sent off for my provisional license and thinking about cars and insurance now, just need a little help?""

Okay so I'm 16, turning 17 very soon and going to start driing lessons soon, but I need a car after that and I'm going to have to pay the majority of the insurance and the car myself. I only have a part time job where I work thursday evening and saturday mornings at like 6.00 an hour. What car is a good car for a person my age, what about insurance for that car how much is that going to cost? Overall what would you say is the total amount I should save up in order to get a car and decent insurance? Thanks :)""

Car insurance for a young driver?

I Live in NSW Australia and I am getting a car for my 16th birthday..I will also only be on my lurners permits (L Plates). I was thinking about getting a 4 scylinder 80s modle celica. but I have been told because its a 2 door sports car the insurance will be verry high for someone who is 16. is this true..and are there any things I realy should know?

Insurance for modified car advice !!?

i want to buy a car that has full interior and exterior body work done to it, will this effecct the insurance ?? also the engine has had a 'ecu chip' and air filter added/changed so will this effect insurance in any way ?? and can i get replys from someone who knows what there on about no some random answer thanks""

Motorcycle insurance? how much?

can someone guess how much will a motorcycle insurance be for an 18 year old male in CA with no road driving experience at all?, and the bike he will get is a 2008 Ninja 250r or 2006 Katana 600?.....also note he will take the MSF course and this will be his first road vehicle...thanks!!""

AA Home contents insurance?

Hello The AA Contents insurance seems good value What do you think.

Changing jobs - how do you estimate the value of medical and dental insurance?

Changing jobs - how do you estimate the value of medical and dental insurance?

California's low income auto insurance program?

Does anyone know what its called? Or the name of an insurance agency in the Los Angeles/ long beach area, where i can purchase this insurance from please? For some reason i haven't been able to get on the dmv.gov.ca web sight. Thank u""

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?""

Can people under 18 get their own car insurance?

My stepdad does not want to let me onto his car insurance because he doesn't trust me. Can I even get my own insurance before I turn 18?

HELP!!!! CAR INSURANCE?

If you studied car insurance quotes previously you will know that a Q.B.P. accurate quote takes this many minutes?

Maternity insurance coverage?

I have been searching for insurance coverage for weeks now and I can't find a single plan that includes maternity coverage (not even the hospital stay for the birth) I live in colorado and I am currently not pregnant and I currently don't have insurance. I just want to be covered because i'm a healthy 22 year old married woman and you never know what will happen. does anyone have insurance that covered their pregnancy? what are my options? what did you do?

Full Coverage Insurance?

is full coverage insurance suppose to follow u to your next vehicle for the first 30-60 days?

Maternity Leave Insurance?

My husbands cousin told me about an insurance that covered her maternity leave. She got this insurance when she was 5 months pregnant and it covered her for 3 months of time off. My employer does not offer paid time off and I need an insurance that will cover my maternity leave even though Im pregnant right now. She doesnt remember what insurance it was.

How much does it cost to go for an eye exam in new jersey without insurance?

I want to get my eyes checked and have no insurance.I was wondering how much it would cost? Is lenscrafters good or more expensive? pearl vision?

""Lawsuits have been limited to $250,000 in California for years now - insurance costs haven't gone down...?

...at all. Why do Republicans pretend that is the solution to healthcare costs?

What is the purpose of car insurance?

Now I understand what car insurance really does, they cover losses mainly out of pocket, reduce risk which covers costs of many, but I have trouble understanding why a company is needed to do this. Lets say on an average a person pays 150/month for coverage. Over time this money adds up. After one were to be in a collision, they are presumably covered, yet a deductible is payed, then they increase the payments.  I fail to see the purpose when they are just pretty much using your monthly payments to pay for these fines. Lets say you had a glass jar, and you put 200 a month in there, is the concept not the same? Even if you were to never get into an accident in your lifetime, do you see a dime of your money?  I just really want to know if there is a true reason, or purpose for insurance, because I fail to see past it as a scam.

https://www.linkedin.com/pulse/tip-cheap-car-insurance-first-time-drivers-william-burns/"

[vanillablankcanvas]

Omg I love them so much 😭🥰

Meta & Flint, the freaks who named their daughter Oblivion.

Don't let their looks fool you, they are actually good parents. (Maybe "okay" parents, they did let Liv run away with her boyfriend they never met and his band at 15. (But she was responsible and called them to explain her decision and that she already talked with the school and will be taking special exams at the end of every semester, so it's all good lmao.))

In my AU the Techno/Rock Trolls are the largest population of mixed trolls. They live concentrated along the shore between the Rock and Techno Kingdoms and also extending north into the no-man's-land on the map. This whole area is simply referred to as "the Shallows". They have their own communities and villages there which are located partially on land or exposed reefs/rocks and partially in the water.

Liv grew up in one of those villages. Her parents own a small apartment carved into a cliff side above the ocean. Personally they prefer walking over floating/swimming, and they can't stay in the sun for too long either (they all inherited sun sensitive skin from their Techno sides) so this way they're mostly on land and also aren't in direct sunlight after noon.

It's a modest home but I imagine they must have the pretties sunrises.

Despite the Shallows having their own communities they still belong under the Rock Kingdom which doesn't really care about them or their different needs much, so a lot of the trolls living there are very anti authority.