#books are very expensive here compared to uk/us etc
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alienaiver · 11 months ago
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i feel so rich ordering FOUR books home like.... hellO?
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twopoppies · 30 days ago
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Hello darling Gina. Re the Harry anon, I admit I did/do feel like he ‘sold out’ a bit when he went solo. I felt like, we’ve followed you since XF, we voted for you and loved and followed the band etc etc and now you’re in the states and didn’t even come to the UK on first tour, and next tour he did several stops in many states and then like three stops in the whole of the UK (I might be wrong on these dates, going by what I remember).
H doesn’t owe me anything but I did feel let down. Lou on the other hand seemed more in touch with the UK fan base. I’m back here after years away so things might have changed, I just wanted to air my thoughts. Again, none of them owe me anything and I realise that but I can’t help how I feel x
Hi, love. Welcome back.
So… You can’t help how you feel, but I would suggest removing your personal hurt feelings from the matter. You say he doesn’t owe you anything, but obviously you feel he does. Which is fine. But acknowledging that makes a difference.
If you’re able to remove your idea of what you think he “should have” done, some of the issues and expenses that go into mounting a world wide tour might be a little more apparent.
Harry’s first album was given a ton of money for promo. But the first leg of the tour was very small and I’d bet it was focused on the US in part because breaking through here goes a longer way toward establishing an artist for long term success. It’s also possible they wanted to work out some of the kinks before they took the show overseas and to bigger venues. It also was only 13 shows before the second leg began and he went through Europe with the UK being the third through sixth shows on that leg. So I don’t really get what you’re saying where Live On Tour is concerned.
As for the second tour, we were at the tail end of the pandemic. He started in the US most likely because it was a hell of a lot simpler to travel through the contiguous United States in terms of permits and legalities related to performing during a pandemic than it would have been trying to do the same traveling through numerous cities in numerous countries.
Taking it as a personal affront or a sign that he doesn’t care about the support from UK fans over the years just seems nonsensical to me. I get the disappointment that you didn’t get that part of the tour. Absolutely. But the UK isn’t the only place that didn’t get a tour of Fine Line. It’s generally a major stop for every artist. Including him. And the short stint for Fine Line never would have happened if Covid hadn’t thrown everything out of whack. And if Covid hadn’t happened he wouldn’t have released Harry’s House right after that Fine Line mini tour, but it had been years since he’d released new music and I’m sure the label was chomping at the bit to make some more money. I just don’t see a reason to look at the situation and label it as Harry not caring about his UK fans.
As for Louis, I think being “in touch with his UK fan base” is a major part of his brand. I don’t think it’s disingenuous, but it’s obvious to me that he’d lean into it and do more shows in more areas because he had a much longer run of small venues than Harry did.
I also think it’s just pointless to compare. IMO, a British artist having lots of shows in the UK doesn’t necessarily mean he loves and is thankful to the UK fans any more than another artist. And there are always numerous factors involved in where shows are booked.
In reference to this.
More here
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ttlmt · 4 years ago
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do it bee
alright.
there’s a few things i kept seeing confusion about, so i’ll try to clear it up the best i can with my amateur enthusiast knowledge. 
disclaimer: all of this could be completely wrong. this is just what i’ve learned from working as a bookseller in the past and taking a few classes on publishing and just generally doing a lot of personal research into it both as a reader and with interest in joining the industry. i do not know dan’s individual situation, nor am an expert by any means. i am also coming at this as a canadian, so the innerworkings of uk/us publishing are just from what ive learned here.
you will get through this book: 
bee’s possibly incorrect far too long guide to the publishing industry and how international editions and signed copies might work for daniel howell’s new book ‘you will get through this night’ available for preorder now
follow @daysuntilthisnight​​ for a countdown #shamelessselfpromo
1) the uk vs us edition
the uk cover is the one without dan’s face on it. the us cover is the one with dan’s face on it. its not uncommon to have multiple covers and putting someones face on the cover is a very american publisher thing to do, personally i really like both. the cover you get is dependent on where you/your country order the book from.
if you ordered from danandphilshop or shop.danielhowell, you will be getting the uk cover, as it is a uk business. if you ordered from the us store right when the book was announced and before the signed copies sold out, it will probably be the uk cover (more on that in the bit about signed books). after that, i’m not sure because i do not know how irlmerch’s distribution works. 
one thing to note is all books have an ISBN number which is like a universal barcode for the book at all stores and it comes from the publisher. the beginning of the isbn dictates the publisher/language/product type/etc and the end identifies the particular book. the uk edition and the us edition have different isbn numbers, as will the ebook, audiobook, etc. this is a good way to figure out which edition you are buying from your local bookstore, and you can cross reference with the isbn in uk or us stores. its usually listed at the bottom of the product page online.
if you live in a country besides the us or the uk, it depends whether the book is being distributed or published in your country. distribution is often more cost effective, and is usually the way it works. as far as i know, dan’s book is being distributed (not published) to the countries on this list with the exception of the us where it is being published (not distributed). if a book is being published in a country, it will have a different isbn and sometimes a different cover. if a book is being distributed it will have the same isbn and cover as the country it is distributed from (usually the closest publishing hub, so london or new york in this case).
to know what edition is in your country, you can compare the isbn numbers and/or the covers. you can also take a look at your other books to see whats normal in your country to get sort of an idea. im assuming europe will get the uk edition but im not sure about other countries.
here in canada for example, our books are usually distributed from the US meaning you will be getting the us cover if you order the book from a canadian store. i ordered from irlmerch when dan’s book was announced though, so i think im getting the uk edition.
1.5) covers and book design
most of the time, especially with new authors, the author has very little say in the final decisions re: book cover and book design. they usually get input, and the publisher gets final say. book design is also a very different thing then general graphic design and professionals genuinely go to school for this. thats not to say there arent bad book designs or that regular people can’t do it too, it’s just something to keep in mind. 
2) signed books vs signed editions
there are a few different ways that signed books can work. primarily, there are signed editions and signed books. both are physically signed by the author, the difference is when in the process these books are signed.
signed books is the ‘old-fashioned’ way, where the author will sit at a table and sign copies of their book. the author usually signs on the title page and for a long time, this was the only way to do it. they have already been printed by the publisher so they will have the same isbn as unsigned books. signed books are usually more limited, often they can be personalized, and if you have ever gone to a proper book signing where the author signed the book in front of you, you have a signed book. signed books are also sometimes made available at the authors local bookstore because they are able to sign them in person. as far as i know, the books that were ordered from danandphilshop or shop.danielhowell during the initial signed run will be signed books. i also believe there are/were limited signed books from uk retailers, i think those are/were signed books (not editions) where the isbn matches the normal first edition of the book. 
signed editions are a fairly new thing, and have made signed books so much more accessible which is awesome! signed editions have a different isbn then their normal edition and signed book counterparts. they are technically two different books and are listed as a separate book in stores. that is because signed editions have one (1) extra page. this allows the author to be sent boxes of pages, not books, to sign BEFORE the books are bound. the pages are then sent back to the publisher to be included in the final printed copy of the book.
signed editions help authors to sign even more copies which allows for things like signing hundreds of thousands of copies of a book in some cases. if you are familiar with john green’s books (and hank’s too), he is a large part of the reason signed editions increased in popularity. for example, his book turtles all the way down had a signed edition and a normal edition, they were the same price but the signed edition included the one more page that john had signed. this also allows authors to do fully signed first edition runs, such as john’s new book the anthropocene reviewed (which comes out the same day as dan’s book lol), where every single copy of the first edition is signed (so there is no such thing as an unsigned american first edition, this is becoming more popular for some authors to do especially if the first edition print is not very a large quantity).
if you saw dan’s ig story from today (which was almost definitely a delayed post lmao), he was signing the signed edition papers that will be bound in the signed edition copies of the book in the us. as far as i know, it is only the us publisher that has this option. as you can see on the us store books-a-million, there is a signed edition and a normal edition. they are listed seperately and there are different isbns. the signed edition will be bound with the one extra page that dan has signed. 
both types of signed books have been actually signed by dan and are so cool to have if that’s something you want and are able to get. if not, you’re not missing much.
3) book piracy and pricing
i’m not here to tell you what to do, so i won’t. i know being able to buy books is a privilege and dan is a millionaire. full stop. he doesn’t need the money and you probably do.
books are expensive. the difference between cost and price of a book can vary drastically. does your calc textbook actually cost the publisher $300? probably not, but it does cost more per copy to print less copies of something (like a textbook) then it does to print millions of copies of a nyt bestseller. does a $24 book cost that much to develop/print/distribute? maybe. 
but most of that money goes to the publisher. the fact of the matter is authors get very little from the actual sale of the book (usually only a couple dollars), which okay, not exactly convincing you against piracy but hear me out. the actual number of sales a book has lets a publisher know how successful a book is, which helps to decide how many more prints/editions are made and often dictates future opportunities for authors.
a series of books that i love is very popular on tumblr, but there was a serious problem a few years ago where copies of the book were being pirated so much, sales were down so drastically, that the publisher almost didn't continue to publish the series. in the case of smaller authors or your favourite ongoing series, buying your copy of the book could be the difference between the existence of the next book or not.  in dan’s case, i don’t know what his future plans are, idk if he plans to write more in the future, but i do know that publishers look at previous sales to decide if they are going to publish a book in the future.
ebooks are usually cheaper and more accessible if money is an issue. used books, while not helping with sales, are also a great option if you’re willing to wait and look around. you can often request your local library buy a book and read it that way, or they might even already have it. there probably even audiobooks and ebooks at your local library. stores like am*zon are usually cheaper as well. online stores of large chains like b&n and indigo will often have the books cheaper to match amazon. however if you can, support your local bookstore.
of course if the author is a horrible person do whatever tf you want. also fuck the textbook industry. 
tldr: dan worked really hard on his book with professionals to make it the best it could possibly be. i think it looks beautiful, and it will help a lot of people. the publishing industry is a mess but really cool. check the isbn of the copy you ordered if you want clarification or you can just wait for the surprise. 
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saltstudying · 4 years ago
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Hello!! Congrats on being accepted to Cambridge!! (or maybe thats old news?? idk i just discovered your blog and im loving it)
As an indian student could you tell how you went about applying to foreign universities? cause i am literally so confused. No pressure tho :)
Have a great day!!
Hi!! Thank you so so much 🥰 
Applying abroad is a long (and frustrating) process and I’d love to make a longer post about it once all my decisions are out and I’m in a better position to give advice! But here’s how I would break it down initially: 
1. Decide which countries you’d like to apply to: Consider cost of attendance, scholarships, climate, where you’d like to work after grad, language, work culture, what the general vibe is, if you have family there, etc. 
I applied to the UK, US, and Canada. I have a lot of friends who also did Singapore. 
2. Make a rough list of colleges (~30?): Similar criteria as above but also what’s good for your subject, job placement, teacher to student ratio, living situation, etc. 
Here’s a very (!!) good resource on choosing colleges for the US, the college essay guy is honestly brilliant for free resources for US apps. 
Some countries only let you apply to a certain number of colleges, so also consider that.
(Also you should definitely reduce this list eventually - anything around 10-15 is above average and good enough, above 20 is usually insane. I applied to 21 only because I applied to three different countries and 2021 has been a very bad application year - but doing so many colleges most definitely killed me so pls be wiser than I was)
3. If you’re in grade 9-11 - look at what these colleges want and start building your profile accordingly.
This includes extracurriculars, tests you may have to take, some colleges want you to have awards, read certain books, etc. 
Online communities such as r/ApplyingToCollege on Reddit for the US, and the student room for the UK, can be extremely helpful! You can also find a lot of videos on youtube where people address their ECs etc. 
With the US it’s very easy to be intimidated by all the prep and profile building people do but please stay true to what you enjoy!! Just push yourself outside your comfort zone. 
4. If you’re in grade 12 - create a timeline of the application process along with deadlines & what all you’ll be required to do. 
Again - r/A2C is brilliant!! 
If it’s possible for you - get a counselor! It’s so much easier to manage deadlines/make decisions etc when you have someone experienced. To be honest applying to college is a massive and tedious process that takes months but I hope this gives you a good rough idea of where to start.
I’d love to answer any specific questions that you have!! Also this is a good starter post, esp. for the US but it isn’t international specific. 
Factors I think international students must esp. consider are: 
- cost of attendance & application, unis abroad are outrageously expensive for international students compared to home students 
- acceptance rates, much lower for international students than home students 
- how easy is it to work there after uni? some countries kick you out as soon as you’re done w schooling which isn’t ideal
and yeah!! I’m sure I’m missing out on a lot but I hope that helps. 
Thanks for the ask - have a great day and all the best w your apps! Feel free to message me if you need help x
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thehungryplaice · 3 years ago
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Fun Wedding Food Ideas
5 Hot Food Trends for 2022 To Consider For Your Special Day!
https://www.the-hungryplaice.uk/fun-wedding-food-ideas
Food Glorious Food!
The Food served on your Wedding Day is one of the most important (and expensive) parts of the day, there are so many different types of Wedding Food available that you no longer need to stick to the traditional sit down meal, there are lots of Unique Wedding Food ideas around whether you want a huge array of Food Types for your Wedding, a Simple Wedding menu or want Cheap Wedding Ideas On a Budget.
Here is our guide on how you can win over the crowd with 5 amazing and memorable Fun Wedding Catering ideas....
1. Street Food Vans at Weddings
There has been an massive explosion of Street Food Vans For Weddings in the UK, the Street Food Industry has seen a surge in the last few years with huge numbers of Street Food Markets appearing in City Centres and at Local Towns, there are Food Fairs and Street Food Areas found at most Public Events these days and there seems to be no let up in the scope of the food being offered. The Street Food Revolution has not been missed the Wedding market and any type of Food can be booked for your Wedding Day.
You might want to create a Street Food Village for your guests or you might want to have a Food Van for breakfast the day after to feed those hangovers. So there are two elements that you would be looking for when you find yourself a Food Van, these are the type of Food Served and the Unit that the Food will be served from.
Types of Food For Wedding Food Vans
The List on this one is literally endless, Mobile Caterers these days offer foods from around the world from American Slider Burgers and Greek Souvlaki to Thai Noodles and Caribbean Goat Curry. There is the old traditional Fish and Chip Van Hire (our favourite of course!) and we are used to seeing Burger Vans but Mobile Catering is more savvy and trendy these days so you can have a Gourmet Burger Van serving Kangaroo and Crocodile Burgers and Pizza Vans that serve Hand Kneaded Sour Dough Pizzas. There are types to suit all tastes and these cover both hot and cold food as well as Mains and Desserts.
With all the different lovely foods to choose from you'll be spoilt for choice, it is important to pick the right type of food to fit in with your day. You will want the Food to reflect your day, it might be a very chilled laid back type of day where a huge BBQ would be just perfect, you may wish to have an Italian theme with lots of Antipasti, Pastas and Breads, you might want to offer a smaller snack to your guests or have a Food Van for the main meal of the day, you might want a Crepes or Waffles Van or an Ice Cream Van as a little treat .
Just remember to choose something that you like and you are happy with and that most of your guests will like too you won't be able to please everyone but you need to remember to cater for a range of age groups who will all have a different taste palate!
Type of Food Vans for Weddings
For some couples the Look of everything they have at their Wedding needs to be perfect, everything needs to be in Beautiful, Colourful, Exciting and Exuberant, it could all be line with a theme, colour or style, to others it's not so necessary as long as the main points are covered.
Now how you view the point above will influence your decision on a Wedding Street Food Van and this will also affect your budget, you might be happy with a Simple Food Trailer but to have something special means you will have to spend more. You might have always had your eye on that Vintage Fish and Chip Van and because it fits in with your day you are willing to compromise on your budget to account for it and it means less spent on a different area of the day. There are smaller Gazebo setups and regular shaped Trailers aplenty, lots of these may be wrapped or themed, if these are offering something standard you will normally get a reasonable priced quote on these, just remember if you want authentic foods you may want to pay a little more.
If you want to make more of a statement there is lots to choose from horseboxes are everywhere at the moment in a huge range of different themes, colours and types, you may wish to have all your Food Vans to be the same type and as there are so many Horsebox Mobile Caterers it would be a good choice to choose them. As above you should expect to receive a reasonable quote for these sorts of setups it may be the type of food that would determine how much more expensive the cost will be.
The final type of Street Food Van is the Specialist Vehicle or Trailer, these are all unique catering units and will charge a premium for their services but you these will be truly memorable for your guests and give them something to talk about! There will be either be a modern unique vehicle or a converted Vintage Food Van, remember not to try and compare this type of offering to those above you should expect to pay more than a standard small sized trailer if you want something like this at your Wedding.
You might need to do a bit of research to see if your vision is actually on the market somewhere, the internet has a huge resource to show you what types of Food Vans are around, try Instagram, Facebook and Pinterest, take a look at some Bridal Blogs and Bridal Magazines. Try typing in Google for the sort of thing you are looking for or look at Quote Comparison Websites.
2. Food Stations
Food Stations are a fairly new trend for Weddings, these are where an area of a room is allocated for a table, a Cart, or something like the top of a Barrel and on this a "Station" is setup with an array of food offerings. You might want to offer a snack during part of your day or setup a series of Food Stations to showcase your desserts. This is Fun Wedding Idea that could incorporate a huge number of ideas.
You could use a Food Station for practically anything you want, you may wish to employ someone to do this or just set one up yourself.
What Wedding Food Station Ideas are there?
Sweet Carts, Cupcakes and Chocolate Foundation are sure fire favourites for a Wedding but how about planning something a little different.
You could have a Station for Wines, Pretzels, Jelly Babies, Chocolates, Chips, Gins, Marshmallows, Cheese and Biscuits, Donuts, Pizzas, Fruit, Sweets, Crepes, Ice Creams and many more.
Just consider how you want to arrange everything and that the food will be left out so you might want to have certain things covered with closed jars etc, some items may need to be kept hot so you'd need specialist equipment for that but there are plenty of options for a Cheap Wedding Food Station Idea.
3. Grazing Tables
A Grazing Table works much like a buffet but should be Colourful, Exciting and Beautiful to look at, this is an exciting developing trend in the Wedding World and Caterers are finding new and wonderful ways of styling Tables and Food to make it look more glamorous and appetising for guests.
A Grazing Table could be made up of certain foods you have requested to go with the rest of your day or have items that reflect your theme like using flowers and foliage to complement your Vintage Themed Wedding.
This type of offering could be arranged by yourself or you could employ the services of a professional to take it all off your hands. You might want to offer a Grazing Table as part of your main meal or to replace the evening Buffet, similar to a buffet your food will be left out so you need to think about that if you are having your food outside for example and it may be difficult to keep food hot before serving in this way due to the nature of the Grazing Table Setup and "look".
4. Afternoon Tea
You might have a break in your Wedding Day just after you arrive at the reception venue or your main meal might be a few hours before your Evening Reception so you could opt for a Traditional Afternoon Tea.
This is a Cheap Fun Wedding Food Idea that you could put together yourself, head off to some charity shops and have a browse on Facebook for un-matching vintage crockery to use on the day, you might have someone handy who can help turn these into tiered cake stands where you can put some cakes or sandwiches and when you have finished with the crockery just sell it back on again! You could include Cream Teas, Hot Drinks including Hot Chocolate, Tea and Coffee and Sandwiches and fancy cakes.
The alternative is to look for Mobile Caterers that offer this service, they will include everything you need and will clear it all away when its finished so you don't need to worry about any washing up!
5. Alternative Cake Ideas
So this takes us to the last Fun Wedding Food Idea.....the Wedding Cake! The Traditional Wedding Cake is normally Tiered, it's Fruit or Plain Sponge, Iced on the Outside with decorative items and a Cake Topper on Top, wedding Cakes of today however are a lot more sexy!
Some people choose to have bespoke cakes made to reflect a theme, some want more or less tiers of colours other than the traditional white. Cupcakes have long been a Wedding Cake Trend with large or small Cupcakes filling a mountain that might also be tiered, this gives the opportunity to provide a selection of looks and tastes to suit the most discerning of guests.
Cakes can be displayed on a number of surfaces (as long as its food safe) like Cake Tables, Wood Slices, Plates, Platters and Boards.
But what about other ideas a little different to the norm?
Well Rainbow Cakes are a big thing nowadays with layered colourful sponges inside or multi coloured outside and of course there has been the move from Cakes themselves to things like Macaroons, Cheese, Jelly, Chocolates Pork Pies and Sausage Rolls!
So 5 Fun Wedding Food Ideas for you to consider at your Wedding, go on dare to be different.....
https://www.the-hungryplaice.uk/fun-wedding-food-ideas
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desklead34 · 4 years ago
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Posted: Mon, 04 Jan 2021 09:04:49 GMT [source]
. Utilize a whitening tooth paste that isn't abrasive, preferably 3 times a day, and floss your teeth once a day as well, for best, longest-lasting whitening results. Tooth whitening will certainly not hurt your teeth or gum tissues and can revive that lighter, whiter colour to your teeth. Our free teeth whitening poster is additionally offered to install in your surgical procedure, offered to publish out in colour or in black and also white, highlighting leading suggestions on teeth whitening. The BDA Library likewise holds a wealth of resources on teeth whitening, consisting of publications for car loan, books, as well as a round-up of journal articles and research.
Pick Specialist Teeth Whitening From Qualified Dentists.
Search the complete variety of teeth whitening options to purchase online or learn more with our professional teeth whitening overview. When your trays prepare, you'll return for your whitening session. Your dental expert will first safeguard your gum tissues prior to applying the whitening option and then switch on the unique blue lamp, which triggers the remedy. The whitening is done in 4 15-minute sessions, but you'll require to permit 2 hours for the whole appointment.
In the UK, a House of Lords Judgement in June 2001 confirmed that teeth whitening items were covered by the EU Cosmetics Instruction as well as not the Medical Devices Instruction. Oral hygienists and therapists can carry out teeth whitening on the prescription of a dental professional if they have the required added abilities. Teeth whitening is simply part of all your dental requirements, and also an excellent partnership with your dental practitioner is important. Feeling good concerning your smile is the best factor to give it to someone. Having fresh, white teeth will be motivating for you to maintain them by doing this as well as you will see an increase in your oral care. Normal flossing as well as cleaning will certainly maintain your teeth looking white, but improve your general oral health.
Must even more whitening be needed, extra packs can be purchased from the technique, and you can utilize your trays for future top-up therapies as well.
Impressions of your teeth are taken to make sure that whitening trays can be tailor-made at our oral laboratory.
This likewise offers us the opportunity to talk with you concerning your tooth whitening options to ensure it's the ideal treatment for you.
When your custom-made whitening trays prepare, you'll return for your in-chair session, then take your trays away with you for your week-long residence whitening treatment.
If you can't wait 2 weeks for whiter teeth, pertained to Ringley Park for a two-hour whitening treatment.
When the trays are ready, we'll offer you your prescription whitening gel to utilize in the house, either for a collection duration throughout the day or overnight; we will certainly advise you on the most effective choice for your requirements.
PolaOffice+ is most efficient when followed with a week-long residence whitening therapy.
If you have an interest in obtaining in-chair whitening in Surrey, you'll need to participate in for a short visit during which we can take your dental impressions.
We provide PolaOffice+, which allows us to use 3 or four successive applications of bleaching gel in a single chairside visit, with no UV lamp required.
If this seems like you, you should consider having an expert teeth whitening procedure done. The treatment is not as negative as you might believe it is as well as the outcomes are certainly worth it.
Love Island Is Looking For Contestants For New Series - Tyla
Love Island Is Looking For Contestants For New Series.
Posted: Mon, 04 Jan 2021 08:06:00 GMT [source]
Dr Smithson is an 'Sought after' speaker and is possibly one of the most prolific in the UK. He is thought about by his peers to be an authority on visual dentistry as well as has offered to audiences on every continent over the previous one decade. If your goal is a brighter, whiter smile, please do not think twice to get in call with us.
lateethwhitening teeth whitening oxford features ='display: block;margin-left:auto;margin-right:auto;' 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streamacademe · 5 years ago
Text
Week 110, Day 765.
It has been a manic week, hence the delay in my blog post. My trip to Scotland was totally worth it as I finally managed to collect more service reservoir material, which is now on its way to the US to undergo a variety of analyses in a weeks time or so! I spent approximately 60% of the weekend sleeping, which I’m super grateful to myself for as the last three days I have been doing lab work, data analysis, sample shipment arrangement, preparing for my trip to the US, and answering questions as a panellist on a Chinese online community network called ScienceNet. The latter involved myself and five other volunteers answering questions from whoever wanted to write in (mostly undergraduate and graduate students) on research career related topics. I thought that it would be useful to share the questions I was asked (in bold) and my answers (in italics) on here. I have had some brilliant and heart-warming feedback from ScienceNet, so I hope you also find them useful.
Q1. Do you think female PhD students face different stressors as compared to their male counterparts?
I think that both male and female PhD students face the same stressors in terms of workload. However, I also think that female PhD students face EXTRA stressors. These include sexism in the workplace, which unfortunately still exists, and especially sexism if your PhD involves manual labour. For example, as an engineer, I have a lot of fieldwork with contractors and I am usually treated differently as a woman in that the men on site tend to think of me as someone more fragile and in need of assistance. It can be very frustrating. I have also been in situations where there are no female bathrooms at some of the sites I’ve visited, for example at water treatment works. It is also more difficult for women to get the appropriate protective wear e.g. hard hats, high visibility jackets, steel toecap boots etc. in their size.
I also believe that women are expected to dress well and look nice at all times and especially at work related events. There is a lot less pressure on men to do this. Furthermore, it is not taken into consideration how hard work can be for a woman when she is on her period, especially for those who suffer from conditions such as endometriosis. I think that the world is changing for the better in terms of gender equality. However, we are not there yet and so it is very important to always tell someone if you feel like you are being treated unfairly and express your concerns to a staff member you trust or a student support officer. Just don’t suffer in silence.
Q2. As a PhD student, how did you manage to balance your study and personal life?
This can be very hard to do, and even if you do find a balance, it is difficult and unrealistic to maintain it at all times. However, one of the biggest lessons I quickly learned is how important self-care is. A PhD requires a lot of brainwork and can be really damaging on you mental and physical health if you push yourself too hard, which in turn will negatively affect the quality of your work. If you practice self-care, a balance between your personal and work life will naturally follow. Therefore, here are some of the ways in which I personally do this:
Spend time with animals and in nature - Honestly, if I had to choose just one bit of advice, it would be this. Animals are the definition of joy, and being in nature always reminds me how beautiful the world can be.
Sleep - Getting enough sleep makes my anxiety more manageable, my mood better, and means I have more energy to deal with what life has to throw at me. Don’t listen to how much sleep you “should” have, instead listen to your body and work with it. Personally, I aim for at least 8 hours a night.
Routine - Something that can be tough to do because a lot of PhDs do not follow a specific schedule, but trying my best to stick to a routine makes me feel calm and prepared for what’s ahead. It also means that when it comes to taking rest days, I can take full use of them.
Read - I use books as a form of escape from reality, typically reading either before bed or in the morning before work. It helps take my mind off the stresses that clutter my brain.
Exercise, eat healthy, and drink plenty of water - I know you’ve heard it all before, but here it is again. It works.
Focus on genuine priorities - Procrastination/dedicating your time to non-essential tasks are your no.1 enemies. PhD’s are extremely unpredictable and you have to try and be ahead of the game or you risk falling too far behind. So make sure you know exactly what your priorities are and treat them as such.
You have to learn to say ‘no’ - This will probably be something you’re not used to or are comfortable doing, but I have learned from personal experience that this is literally the most important thing when it comes to  looking after yourself and avoiding burnout.
Remember that your PhD is your work not your life - As hard as that may be.
Q3. The PhD program in China usually lasts four years (but many students spend longer than this to get their degree). Is the situation different from this in Western countries? Do you have any advice for PhD students on what career choices they should make when they’re no longer “young” upon graduation?
The situation is different in the UK, but very similar in the US. In the UK, a PhD usually lasts 3 years, but a student may complete it (with or without funding) in 3.5 years. Sometimes, there are exceptions, for example, some PhD’s can be completed in 5 years, but this is VERY rare, with funding usually capped at the latest at 4 years. Career choices are very personal, so I cannot advise on that. I will however say that age is not a reflection of ones abilities. I think the biggest decision that a PhD student needs to make early on is whether they want to stay in academia or go into industry. This will change the trajectory of their PhD, for example, if they don’t want to stay in academia, there is less pressure to publish papers etc. but a higher requirement to have some work experience in industry.
Q4. What if my research topic diverges from my supervisor?
This shouldn’t happen as your supervisor is on that project because the topic of your PhD is what they specialise in. However, differences can arise in how research questions are approached e.g., your supervisor may feel you should do one type of experiment and you may disagree. To overcome this, talk to your supervisor about your concerns and provide evidence to back up your points.
Q5. Is it a big burden for PhD students in the United States to afford the tuition? I’ve heard that supervisors may pay part of the tuition or even daily expenses. Is that true?
I am not personally from the US, but do know a little bit about how their system works. Usually a PhD supervisor covers tuition costs, which are approximately $15,000 per year. The student is also provided with a stipend to live on, which is between $22,000 - $30,000 (for the duration of the PhD) depending on the institution. Some PhDs are self-funded, but most follow the structure mentioned above. A lot of PhD students will pick up tuition style work to earn some extra cash.
Q6. When doing a PhD is western countries, do you have any suggestions for choosing schools and supervisors? Any advice on something we should be careful with when contacting supervisors for the first time? Are there any qualities and traits of candidates that supervisors may prefer?
I would choose a university that specialises in your field and is ranked in the top 100 universities for that country. For me, as I do a research based PhD, it was important that my chosen university was part of a Russel Group.
It is hard to predict what a potential supervisor will be like, but it may be helpful to contact some of the students that are already supervised by that person to get an idea of what it is like to work with them. It is also helpful to read some of their published work.
When contacting supervisors for the first time make sure that you have very good grammar and keep your email/letter short as they are very busy people and are unlikely to read long pieces of text.
A supervisor needs to know that you can handle yourself in difficult situations, are reliable, punctual, hardworking, and in some way unique. You also have to show how passionate you are about the research you want to do and why.
Q7. What factors need to be taken into consideration when choosing your destination countries to do a PhD?
It is difficult for me to answer this question as I stayed in my home country for my PhD, but I guess it depends on how far you are willing to step outside of your comfort zone. It is very easy to feel isolated in a new country, especially if you do not know the language of that country well. If having a community of people from your home country is important to you, make sure you research this before choosing where you want to go.
Q8. If my goal is to publish papers in top journals and get real world experience, do you have any tips for me on choosing supervisors?
At the end of the day, you will be the one writing your research paper, so I do not think your choice of supervisor is too important here. It helps if your supervisor has published plenty of papers in respected journals, but it is more important that your supervisor can find the time to review your work and advise you on how to improve, rather than being super famous.
Q9. Any suggestions on improving the efficiency of your research?
Focus on genuine priorities - Procrastination/dedicating your time to non-essential tasks are your no.1 enemies. PhD’s are extremely unpredictable and you have to try and be ahead of the game or you risk falling too far behind. So make sure you know exactly what your priorities are and treat them as such.
To do lists and GANTT charts are lifesavers – On difficult days, refer to these to reorient yourself and stay on track. Make sure they are always up to date, kept neat, and, most importantly, realistic.
Find a balance between feeling terrified and apathetic, and stupid and self-assured - PhD’s are terrifying, which I appreciate can be exhausting and can lead to feeling apathetic. However, apathy is both a blessing and a curse. It may make you feel calmer and more able, but it will not motivate you to try harder and do better. The same applies for feeling self-assured; yes, you are clearly clever for getting this far and you should acknowledge and celebrate that, but feeling stupid pushes us to seek knowledge, which is what science is all about.
Rely on your supervisors for help - THIS IS SO IMPORTANT. You DO NOT have to do everything alone. Ask questions, talk to them about your problems, and seek their advice. If they make you feel inferior, uncomfortable, stupid, or make themselves unavailable to you, contact your student support office/r, because a supervisor should NEVER do that. Furthermore, don’t be afraid to voice your opinions and stand your ground with your superiors, they are only human, just like you, and if you feel like they are misguiding or misunderstanding you, tell them. This is your PhD, not anybody else’s.
Q10. I’ve heard that the PhD tuition is very expensive in western countries. Is it common that PhD students do part-time jobs to make ends meet?
I can only speak for the UK, and in the UK, this is not true. Yes, tuition costs are high but these are typically covered by a scholarship or something alike. PhD students are paid enough to live relatively comfortably. However, most PhD students will pick up some extra work within the university e.g. tuition to get some bonus cash; this is personal preference. It also depends on the location of your university, for example, studying and living in London is much more expensive than some other places in the UK.
Q11. Do all universities in the US cover tuition? How can I find out these details? What happens if I don't get university funding? Are there other options for me?
I am not from the US, so I cannot say for sure, but I do know a little bit about how their system works in general. Usually a PhD supervisor covers tuition costs, which are approximately $15,000 per year. The student is also provided with a stipend to live on, which is between $22,000 - $30,000 depending on the institution. Some PhDs are self-funded, but most follow the structure mentioned above.
To find out exact details for your university of interest, contact the university directly. I do not know about alternative options other than there may be some scholarships that you can apply for, but these are usually highly competitive.
Q12. Can you please evaluate the influence of your senior fellow students on you during your doctoral study?
It has been helpful to see senior fellow students progress through their PhDs and share their experiences and the lessons they have learned. They also tend to be more clued up on the way things work at your institution etc., which is helpful. However, because PhDs are so unique and every students approach to their PhD is different, it is very hard to be influenced much by others doing something completely different.
Q13. What was the difference between the focus/weightage on dissertations and papers when you did your PhD?  
You do not do dissertations as a PhD student in the UK, just your thesis. However, there are two main types of thesis style, you can do either a classic thesis or thesis by papers, if it is the latter then you have to write and publish a lot more papers than the former.
Q14. If you could go back to when you started your PhD, what advice would you give yourself?
Do little things before they become too hard.
Write as much as you can as early as you can.
Focus on genuine priorities.
Practice self-care.
Q15. How should one deal with the relationship with one’s supervisors? Do PhD students in your country have a specific way of managing this relationship?
Supervisors are only human, just like you, and so they can be very different people. Some prefer a stricter, professional relationship, but from my experience, most are happy to go out for coffee with you and have a less formal rapport.
Your supervisor will be your no.1 support system throughout your PhD, so learn what they are like, find common ground, and do not be afraid to have a professional friendship with them. Your supervisor is there to help carry you through the tough phases, make sure they like you.
However, remember, if they make you feel inferior, uncomfortable, stupid, or make themselves unavailable to you, contact your student support office/r, because a supervisor should NEVER do that.
Q16. Would you let your children do a PhD in the future? Especially if they are girls?
I would let my children follow whatever career path they wanted to choose and I see absolutely no reason why women (not girls) should be advised against doing a PhD.
Q17. Why do so many postgraduate students’ superiors want them to go onto do a PhD?
I do not know if this is necessarily true in the UK. A student is only advised to do a PhD if their lecturers/supervisors/senior researchers believe that they have great potential to complete a PhD, especially if they supervised them during a Masters research project. However, in the UK students are not pushed to do something they are not interested in doing.
Q18. In China, PhD students are required to publish SCI papers before graduation. Is it the same situation in your country? Or do you have any other requirements?
No, you do not have to publish SCI papers before graduation in the UK, although it is preferable if you can. There are no other requirements of this kind that I am aware of.
Q19. I did a Master of Arts degree in China, and then studied English in the US for a year. I want to do a PhD abroad in the future, but haven't figured out what to study. Would it be possible for you to give me some advice on this matter?
Only choose a discipline that you know you are passionate about as PhD’s are tough and it is easy to lose love for your project. Also think about what you’re good at, for example, I like physics, but I would struggle to do a PhD in that discipline. Aside from that, I cannot advise as choosing a career is very personal.
Q20. What would you consider as “hot” subject areas for PhD programs in your country? (please specify country)
There is no such thing really in the UK. I guess any of the STEM (Science, Technology, Engineering, and Mathematics) degrees are quite popular, and medicine.
Q21. I find that I always end up procrastinating while doing research. What should I do? Are there any good suggestions for improvement? I feel that the pressure is immense.
Trust me; everybody struggles with procrastination in one way or another. However, my best bit of advice is to treat your research like a job, which to be honest, it is. You wouldn’t procrastinate at work, would you?
Furthermore, try your best to separate work and social life. For instance, I try hard not to not work on weekends because that way I feel refreshed and motivated to get back to work on Monday.
You can also create a reward system for yourself, for example, if you work 8 hours a day Monday-Friday you can buy yourself a small present, or if you finish an essay, you can treat yourself to an extra day off, that sort of thing.
I appreciate that the pressure of doing research is really high, but the more you delay a task and the more you procrastinate, the worse it will get.  
Q22. If there is an academic dispute with the supervisor or if the supervisor is not happy with the student’s working progress, does the supervisor have the right to suspend the student’s living expenses or send him/her home?
Absolutely not. If your supervisor makes you feel inferior, uncomfortable, stupid, or makes themselves unavailable to you, contact your student support office/r, because a supervisor should NEVER do that. The only time you can be suspended from your PhD is if you fail to meet certain requirements set by the University itself, NOT the supervisor.
Q23. When applying to a PhD program, would you prefer a  university with a good reputation, e.g. ranking 200-500 globally, or would you consider the supervisors’ experience and research in the industry as more important?
I would consider the research topic as a priority, because it is very easy to lose passion for your PhD and want to quit when things get tough, but if you believe in the value of the research that you’re doing, it is easier to get through those difficult periods.
Following this, I would consider the University, simply because it is a lot easier to find out what the reputation of an institution is like, compared to a specific supervisor. Furthermore, supervisors may change throughout the course of your PhD.
Q24. I don't know why my supervisor keeps persuading me to study for a PhD degree. I personally prefer to start working after finishing my Master's degree. Should I refuse my supervisor even though he is insisting?
You should definitely refuse to do a PhD if it is not something that you want to do.
Q25. What do you think is the most important quality you need for being a PhD?
There are many. However, if I had to choose one, you have to be excellent at self-motivation and time-management.
Q26. When the research topic is finalized, how to design the research?
Read  literature from the field of study, converse with your supervisors, and just start. There is never a perfect plan for how to do research, it is all about trial and error.
Q27. PHD students are invited to dinner by their tutors in China. It's said that in foreign countries, they usually go dutch between PhD students and tutors in such a situation. And that graduate students have to attend a tutor's dinner at their own expense. Is that so?
No, this is not the case in the UK. Here, supervisors or your project budget should cover the costs of such meals/events.
Q28. Is it true that PhD students must follow the supervisor’s instruction exactly? If the process does not work out well, the supervisor can suspend the student’s scholarship?
Absolutely not. If your supervisor makes you feel inferior, uncomfortable, stupid, or makes themselves unavailable to you, contact your student support office/r, because a supervisor should NEVER do that. Furthermore, don’t be afraid to voice your opinions and stand your ground with your superiors, they are only human, just like you, and if you feel like they are misguiding or misunderstanding you, tell them. This is your PhD, not anybody else’s.
The only time a student can be suspended from their PhD is if they fail to meet certain requirements set by the University itself, NOT the supervisor.
Q29. I am doing doctoral joint training in the UK, and I plan to return to China next year after graduation. What do you think would be a better choice? Hunting for a job after I get the PhD or the continuation of overseas postgraduates studies?
Unfortunately, I cannot answer this question as the choice of any future career decisions should be your own.
Q30. For subjects like branding, public relations, is it necessary to study for a PhD degree in foreign countries?
As someone whose career is not related to any of these fields, I cannot answer this question. Your best bet is to contact companies/institutions in this field directly.
That is all for this week folks! Have a spooktacular Halloween! 👻
Photo: You’re welcome. Source: Pinterest.
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literarystudies · 6 years ago
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How To Save Money On Textbooks
 - or, How to Not Go Broke Buying Books as an English Major -
Whether or not you’re studying literature like me, reading lists can be daunting enough as they are, you shouldn’t have to stress about the costs on top of that. Here are some of my best tips for saving money on your school/college/university textbooks.
Before anything else you should make a list of books you need to buy. Well, duh, right? The thing is you need to look critically at your reading list and make sure you know what is absolutely essential reading. Moreover, even if it is essential that you read it, ask yourself: is it essential that I have my own physical copy of this book? Does the syllabus mention only one or two chapters in the book that I will need to look at? In other words make sure you absolutely NEED to actually BUY these books.
Having a ‘master list’ makes it easy to keep track of your expenses, as well as which books you have bought and which you can get at the library etc. This might sound silly but last year I accidentally bought two copies of Wordsworth’s The Prelude and I also ordered Lyrical Ballads when I already had a PDF version of it that I got from another student.
So set up a checklist that will make it easy to keep track of your books: Which have you bought? Which are free online? Which do you have an ebook copy of? Which are you planning on renting or getting from the library?
A checklist can also help you compare prices while you’re in the process of buying books.
Now, on to the juicy details.
1. Buy second hand books
This is my number one tip for saving money as an English major! Used Book Search let’s you search across different websites to find the best prices. It’s a UK site but you can filter by US or Worldwide too.
Better World Books is my go to! They have free shipping anywhere in the world, plus an insane selection of books. They’ve got SO many textbooks - even the obscure philosophy ones I’m usually after.
AbeBooks acts like a big marketplace for second hand booksellers around the world. If you’re in the UK and the seller is too, you’ll likely get free shipping. Otherwise you can look for a seller that has a reasonable shipping fee to your country - they will usually also give you a discount on the shipping if you buy more books from them.
Thrift Books has free shipping within the US and $5 shipping for the rest of us. Though I haven’t used them personally yet, they look like they have a great selection of books and textbooks.
2. Check if you have access to any of these books online
The first thing to do here I think is to check if your university has an online library and which books on your list you have access to there.
For older books and ones that are past their copyright, you’ve got a lot of options:
Internet Archive
Project Gutenberg
Google Books usually doesn’t have newer books but it’s still useful for the previews, to get an idea if you will find the book useful
Open Culture doesn’t have a huge selection of humanities textbooks but there’s quite a few for STEM subjects
For fiction in particular you can also check out The Literature Network and subscription services like Scribd and Kindle Unlimited.
3. Rent textbooks
There are soooo many sites providing this service and it seems to be a really popular way for students to save money on textbooks. (Unfortunately I haven’t tried it yet as the majority are based in the US.) There are loads of options out there but you can start with Amazon and Chegg.
4. Buy older editions... sometimes
If you can’t find the book second hand and or to rent, you can consider buying a previous edition. You don’t have to go for the vintage edition from 1860 when it was first published. Even going one edition down will give you a significantly lower price.
The main problems with this are:
outdated information
pagination changes
In my experience with English and Philosophy outdated information hasn’t been much of an issue. Often the main changes will be reformatting or an extra chapter and a new forward. However, this will likely be very different for other subjects - let me know what you’re studying and if using an older edition textbook has been a problem for you.
As for pagination changes - it’s pretty easy to overcome: if your professor says read pages 156-170 and you go home and find these pages spans over two chapters on two different topics, it might just be that your older edition has that same info on, say, pages 150-166. From context you’ll be able to figure out which chapter is relevant - or you can just ask another student in your class.
5. Share a textbook
Lastly, a great way to get a new textbook without having to pay through the teeth is to split the cost with a friend! I’ve heard of students setting up a schedule or simply working together on the course that requires that textbook which sounds like a win-win to me.
I hope that you got something useful from this post and that you can now go live your best bookish life without breaking the bank! 
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Car Insurance for Teens?
"Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 
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I'm not looking for a detailed answer, just a very basic (simple!) idea of what it is. I understand other types of insurances, so I get how it works, but I'm just confused.. is it supposed to help your family when you die? Does it give them money to live off of? Thanks!""
Can I afford motorcycle insurance?
So here is my situation: I currently own a 2003 Toyota Matrix that I make payments on. In between the payments and the insurance and gas, it costs about $350 a month to have that car. For the last couple years I've been really interested in getting a motorcycle, specifically a newer Kawasaki. According to my research, I could find a Kawasaki Ninja 250cc for somewhere around $3000. My question is basically how much insurance do I need? Right now I have comprehensive coverage for my car so that if I'm in a wreck and it's totaled I can replace it. If I had a bike AND my car though, I don't want replacement coverage for a secondary vehicle (even one as cool as a motorcycle). I got quotes from Geico and State Farm that put my minimum amount of insurance a month in the neighborhood of around $30. Does this sound accurate to anyone? Also, can anyone just give me some sound advice about owning both vehicles and whether it's worth it?""
Barely tapped a car I have no license or insurance I checked the kids car nothing even happened to it not eve?
A scratch...my mom had an emergency so I had to pick my little brother up from school. As I was about to park I got a little close to just tap his front bumper. He said it was fine nothing happened I had asked him about a little piece of plastic that looked like it latched off and he told me he wasn't sure if it was like that he asked for insurance I didn't have any he called his mom and my mom spoke to her. The lady is asking for 200$ (never even got an estimate she just came up with 200$) and she won't report it to her car insurance. I know I can report her to the cops for trying to extort money from me and it's also a felony in the state of California.. This happened yesterday... So can she really do anything?
Automobile insurance coverage?
Automobile insurance coverage indemnifying insureds for damage to their won vehicles is a- collision b- comprehensive c- not available d- both a and b
""Learner drivers, what litre is your car and how much do you pay insurance?""
Learner drivers, what litre is your car and how much do you pay insurance?""
""Does paying in full for car insurance cover 6 months, one year, or what?
Progressive has the option of paying in full for car insurance instead of paying monthly. The total is about $1500. Does this only cover 6 months? Or one year?
AAA car insurance wont return my phone calls?
i was in a car accident on the fourth of july and the guy ran a red. he hit my car and totaled it leaving me injured and now out of work for almost a month. the police report was sent to both insurances (mine & his) saying he is at fault. i and my insurance (state farm) have tried calling his AAA agent several times and they still have not called back. i have also called the supervisor with no returned phone call from her as well. ive asked my insurance and they basically told me to wait for them to call. im getting impatient and i was just wondering if anybody else has ever had this problem? im frustrated and not sure what to do.
What is the cheapest insurance for young drivers?
What is the cheapest insurance for young drivers?
Paying car insurance 2 days late?
What happens if you pay your car insurance 2 days late? I have it automatically debited out of my account on the 15th of every month, and I get paid every 2 weeks. This month I get paid on the 17th...two days short of my due date. So what do I do? I have paid my insurance late before (3 days) and they didnt even mention it to me, they just took it out when I had the funds available. and I have Liberty Mutual car insurance by the way...""
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?""
Georgia Car Insurance?
If i'm moving to Georgia it states that I have 30 days to register my car and I need to get car insurance within those 30 days. If i'm looking around for insurance am I allowed to drive with an out of state insurance during those 30 days? Please give a absolute answer not something that you are guessing.
Does the colour of a car affect insurance rates?
I mean we all know that the obvious differences between certain cars like the engine size and performance, make of car, year of manufacture etc all affects the insurance cost but does the colour make a difference too? Someone said to me that darker coloured cars like black cost more to insure on that basis than lighter coloured ones like white or silver is this true?""
How much do you pay a month in auto insurance?
ok i am 23 years old..i live in the city. i was interested in getting a dodge charger r/t.. hemi included..anyhow, i called to get an insurance quote and they told me that i'd have to put 1000 down and pay 800 a month in auto insurance alone. i think that is so crazy. but if i move 20 minutes away i'd pay 550. i am so frustrated because i know that my age is working against me. my brother is financing a 2000 bonneville ssei and he is only paying 340 a month and he is 21. do you think the year and model of the car is what made the quote so high? what kinda car do you have and what is your monthly ins cost?""
Where can I find health insurance with maternity coverage without a super long waiting period?
My wife and I are looking for health insurance. I am self-employed, and her company does not offer insurance for it's employees. So we've been looking into family plans. We're married with no children. But, we'd like to have children soon. Like, maybe next month if it all works out. :) I've looked into plans from various companies like Anthem, and most of the companies don't even offer maternity coverage. And the ones that do have a 9-12 month waiting period before the maternity coverage kicks in! And too top it all off, it's ridiculously expensive! Anyone have any ideas? We live in Ohio. We make too much between us to qualify for medicaid or any other type of government aided insurance program. Are we just outta luck? There has to be something!?""
How much money can I expect to recieve from my insurance company after my car is declared a 'total loss'?
I was rear ended (not at fault) the other day my car was totaled. My car was a red 1999 Ford Taurus SE with 146,000. At first i was happy it was gone, but im now starting to think im not going to receive very much for it from my insurance company. It had recently failed the state(MA) inspection and needed some work (about $500 to pass). I looked up the Kelley Blue Book private party value in fair condition and it gave me an estimate of $1,450.... Really? Thats it?""
Cheap Car Insurance for Hobby Vehicle?
Hi, i've just completed a rally across europe, and i've fallen in love with one of the cars on it. Only thing is its not something i can afford to drive everyday, so i'm looking at getting the car (Vauxhall Calibra) and keeping it at home and just using it for shows and maybe a few drives in the country. Does anyone know of a cheap insurance company. Details are: Young Driver, 20, Student Limited millage (1500-2000 miles absolute tops) Vauxhall Calibra 2.0 16v I don't want it to go boy racing, just to look after and give me something to do!! My mate mentioned a insurance company in Ireland which gave him a quote on a Impreza turbo for like 700 (same age as me), but i can't remember the name of it. Only that its in ireland! Any help is really appreciated""
Good insurance companies for young drivers?
Good insurance companies for young drivers?
Vehicle damaged..have ? about insurance?
A tree fell on my vehicle during Hurricane Ike. My husband thinks there may be at least $10000 worth of damage to it. I looked it up on kelly blue book and its only worth approx 9000.00. I tried trading it in a few weeks ago and they only wanted to give me $5000, I'm glad I didn't take that one. I purchased the GAP insurance thru the dealership. Do you think Allstate will just total it and let the GAP insurance pay the balance of my loan. I'm really really upside down. It really looks cosmetic to me but there are things hanging underneath it and it is very hard to drive. I think it would be cheaper for the insurance company to total it and let GAP take the rest. How does that work?""
""Cheap car insurance companies for a 18 yo girl, in the UK?""
I have been driving for over a year now, and need to renew my car insurance. Do anyone know of any cheap company's? I am finding it very difficult! I even have 1 years no claim. Please help me!! Thanks""
Is it true that most Americans that have health insurance are getting it from the federal government or their?
state? If this is true why not have affordable health care for all. We can't all work for the federal government or for the state we live in. Most companies can't afford ...show more
My insurance quotes make no sense...?
I've been checking out some insurance quotes, I did a few thru progressive and got some weird results. First time, on a 2002 BMW M3 I got quoted $140/mo for full coverage (I'm 18, completely clean record), went back through to see if I could get the same result: got $199/mo, same information and everything. Why the change? And THEN (this is where it gets weird...) I checked my 97 Corolla (my DD/beater) and I did only that car on the quote, they wanted $240/mo. I'm really confused right now. Any advice?""
Will my Progressive Ins. rate go up with speed camera tickets?
I have progressive car insurance in MD and have received a lot of speeding camera tickets in the last few months (due to my driving and my brother driving my car). Does anyone know if Progressive insurance will keep track of these camera speeding tickets that will cause my car insurance rate to go up?
Why would an insurance company deny me coverage for not having central air and heating?
We wanted to switch from the local company we had been insuring our house with because their correspondance has always been very rude and they are very difficult to deal with to USAA who we do all of our banking, brokerage, car & boat insurance through and are very courteous and extremely easy to deal with. We were denied coverage because our home does not have central air or heating. We live in South Central Florida so a heating system would be an absolute waste of money (the wall unit in the Great Room and a space heater in the bedroom are more than sufficient to make the house hospitable in the few welcome days of winter cold enough to warrant their use). My wife and I both cannot stand Air Conditioning and would never use Central A/C other than the one or two times a year we would normally turn on our wall unit when it is too hot to bear and the windows and doors cannot be left open. Houses have existed for Milleniums prior to the invention of Central Climate Control and I am sure home insurance existed atleast a few decades before the invention of air conditioning. Why would not having central climate control be a disqualifying factor in getting home insurance coverage? I highly doubt that not having A/C or heat is going to make our house any more likely to be damaged or destroyed in a hurricane, robbed or flooded. Opening the windows and doors instead of having a HVAC system consistantly running in our house makes us less suseptable to fire.""
Named driver had crash. Should I tell my car insurance?
Last year my girlfriend has a car crash, she was not at fault. So she didn't tell her insurance company and claimed of the other party. So she is assuming her car insurance does not know. Now I am looking to get insured on my first car. If I add her to my insurance as a named driver the premium is about 200 less. The problem is she doesn't want me to tell the insurance company that she crashed, as they asked has the named driver crash. I am now worried I were to crash, they would see she had crashed and void the insurance. I am tempted just to get my insurance in my name and pay the extra 200 for peace of mind. She will not under any circumstance tell her insurer she crashed as she thinks her premiums will rise. But I have found out that the insurance companies have a database of all claims, so they can easily find out that she has crashed. She refused to allow me to put on my application for insurance that she has crashed. What to do?""
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
Where can I find affordable dental insurance?
i live in dallas tx ,19yrs old and im look for affordable dental insurance it will b just for me no one else any great insurance out there that wont make my bank account dusty :) plz help & thank u""
Insurance on a '98 Mustang?
16yr old girl in Ohio, just wondering the cost before i try and sell the idea to my dad lol. Yellow w/ body kit. Help? :)""
Hit and run + Insurance: Help?
Okay..long story short: I told the insurance company I had B average but I have a C average in Aug. 2009.. They called mid Sept but didnt get in touch and neither left a message on my voicemail. Oct. 9 - I was at a parking lot at night and hit a car; no one was there and the damage was minimal (minor bumper scratch) Oct. 14 (today; after thanksgiving long weekend since I live in Canada its earlier) I have a missed call from my insurance; again no message on my voicemail Now, should I be worried because if they were calling about the hit and run...they would have left a message...also its a home phone line..since I live at home any input would be greatly and thankfully appreciated...""
Car insurance for 16 year old 4.0 gpa?
How much would it be total if I was titled under my dads name, and my parents are divorced and the car is under my moms name is there a way I could still be under my dads, and if not thats ok, how much would the cost be added to my dads insurance costs?""
What is a auto insurance quote?
What is a auto insurance quote?
Need help buying and insuring a motorcycle.?
I am trying to buy and insure a motorcycle without my parents knowing. I am 21 years old and have moved out of my parents house. I have my own car and my own job, but my car is still insured through my parents' insurance. Is there any way I can start my own insurance plan, without my parents knowing, to get motorcycle insurance? Or would motorcycle insurance have to be tied back to the same insurance that covers my car (through my parents). What kind of monthly rates would that cost me? (I'm a 21 year old male living in Nebraska) Any and all help and advice is greatly appreciated. Thanks!""
California auto insurance?
back in may i was driving someone else's car someone backed out of the drive way and hit me minor damage on back bumper. i gave the insurance info of the owner of the car since i didnt have any and it was her fault didnt think it was that big of a deal to do that if it was not my fault i recorded my statement months back but now they want me to re record my statement they said they lost it so giving the insurance of someone else that was not driving is that illigal what kind of trouble can/could i get in to? IF ANY??
Test driving a persons car if you dont have car insurance?
I live in Texas. I want to buy a used car from a private party (i.e. another person). Ill obviously want to test drive it before I buy it, but I dont have insurance. If the other person has insurance, is it legal for them to let me test drive it?""
WHO HAS THE CHEAPEST CAR INSURANCE?
WHO HAS THE CHEAPEST CAR INSURANCE?
Do you know of any auto insurance companies that don't base your rates on your credit report?
Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report. Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch. How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did? I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn't be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?""
What homeowner insurance?
What homeowner insurance is more affordable in California?
Auto insurance?
i have had my license for a little over 2 years now. My first year pay for auto insurance was 200$ a month (roughly) on my second year pay it was raised to 250$ a month (roughly). i have never gotten into an accident or gotten any tickets (never even been pulled over...). is it normal for auto insurance to be raised by that much, i know for newer drivers its a lot but i figured it would start high then get lower not start low then get higher. i have arbella mutual ins. and driving a toyota corolla ce perfect condition with no problems with it. i live in MA. if that makes a difference""
18 want car insurance?
right looked online all compare sites give sh*t results, i got quoted 14k for a suzuki alto 23k for a fiat cinciquento (whatever its called) ive rang i kube and got quoted 9k for the suzuki alto thats with the curfew, passed my test on the 22nd of march 2011, wheres good for cheap insurance, ill have curfew if needs be so please shed some light""
How much insurance would be on a 600cc?
Im deciding on getting a 600cc, or a gsxr 600 around the 2004-2005 range. Im 21 years of age, How much do you think insurance will be for me? I live up in the woods so i know when your in a less populated town and out of the city insurance will be a little cheaper. Thanks""
Car insurance companies accept no claims bonus from Lebanon?
Does anyone know an car insurance company that accepts no claims from international countries? My mother wants to use hers from Lebanon (Asia) to help reduce her quote.
Poll: how much do you pay for car insurance?
Poll: how much do you pay for car insurance?
How much is insurance for a bmw 3 series?
Im 16 and I'm planing on getting a BMW 3 series, how much would insurance be with allstate, I would be in a plan with my parents. I was also interested in getting a passat, hynday Tiburon or 3000gt. Why would be the cheapest?""
I just got some insurance quotes ?
I just went on the internet and got some insurance quotes for some cars i am 18 years old and they are trying to charge me 10 grand to insure a 03 plate corsa is this right or am i doing something wrong here
Got a ticket for no car insurance because i didnt have my insurance card?
I just signed up with the general for car insurance earlier today so i dont have proof. About 1 hour ago a car slammed there breaks in traffic and i was one of the unlcky ones behind her. The cop said his systems were down so he couldnt run a check to see if i had insurance. Becuase i didnt have my card, he gave me a ticket for driving without insurance and told me to bring my insurance card to court on that date. Im worried the judge will think i went home and bought car insurance immediately after the accident. My question is, am i screwed?""
How can the health care be made affordable to every citizen of United States?
Health care has become very expensive due to needless tests and lawyers and frivolous lawsuits.
What are the cheapest cars to insure for a 17-year old?
What cars would give a 17-year old just-passed Male a reasonably cheap insurance? Is Ford Ka a good choice? How much are these cars and what do you think would be their insurance from this information?
Can anyone help me regarding a huge fine for driving without insurance.?
Man, Im screwed. A few years ago I let my insurance lapse on my vehichle and didnt hand the license plates in. Failure to do so means an instant 150 dollar fine for the first month and 7$ a day afterwards. Ok, I was being a complete jackass at that time in my life and figured I would deal with it when the time comes. Well, its that time. I finally got my license back and went to buy a cheap used car. The dealer told me he cant get me plates for it cause I have a violation due to a fine for driving uninsured. The fine is off the charts, $4,455.00. Has anyone ever gotten the MVA to reduce this fee or waive it. I havent tried yet. They offer payment plans at 20% down and the rest must be paid within 2 years. I dont want to do anything illegal per say but just wanted to know if anyone has any ideas. I know, im a jackalope for letting this happen. anyone, let me know""
Need advice on qualifying for subsidized health insurance?
I'm an older full-time college student and my husband works full-time at Walmart. In the past three years, I've been through 4 cancer related surgeries, which were paid for by the breast/cervical cancer Medicaid program. Unfortunately, follow up care and monitoring aren't covered and I was dropped from Medicaid. I'm now on my husband's health insurance, which is basically worthless because our income is under $20,000/yr and the policy has a $4500 deductible plus 20% after. I haven't seen my oncologist for over a year because we can't afford the expensive scans, biopsies, and lab work associated with cancer follow-up with a deductible that high. I thought my situation would change in 2014 with Obamacare. I recently learned from the healthcare.gov website calculator that our income is low enough to qualify for expanded Medicaid (which our state decided not to expand), but I don't qualify for the health insurance subsidies I desperately need because the outrageous deductible health insurance from my husband's job covers spouses. How can a couple with an income so low they would qualify for expanded Medicaid be ineligible for subsidies? I am completely devastated over this and I don't know what to do. Not being able to afford cancer follow up care is putting my life in danger. Even if my husband's employer (Walmart) quit covering the spouses of full-time employees, I think that would only apply to new hires because of the grandfather clause. If getting subsidies was based on income alone the way it should be instead of access to employer provided coverage, I would qualify for a zero deductible policy and $3 co-pays with a monthly premium of around $60. I could then afford the expensive health care I need. We live in a college town so if my husband got a different job, he'd make even less than he does now and we would probably end up homeless. If my husband transfers and we move to a state that's expanding Medicaid, I'll have to quit school and get rid of my German Shepherd and Siberian Husky since it's almost impossible to find a landlord that allows them. We thought another option might be to get a divorce on paper and co-habitate until our situation changes (completing my degree and getting a good job so I can afford the deductible), then re-marry. When I asked about that, someone actually accused me of wanting to commit fraud! How can anyone think of something like fraud when a situation is endangering someone's life? I am desperate to somehow qualify for health insurance subsidies without lying, which could get us in trouble. Any ideas?""
Where can i find some good affordable health insurance?
i was cut off tenncare in 2005
How do I know if my auto insurance settlement offer is fair?
How do I know if my auto insurance settlement offer is fair?
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
If my dad is a co signer for a car will my insurance be cheap?
I'm 19 and its my first car and my dad is the co signer will my insurance be low? What are cheap insurance agencies for teenagers?
Does My Car Insurance cover me to drive any car?
I got stopped by the police today for driving a car that I bought a week ago which was not registered on the MID. Although I have fully comprehensive insurance on my other car is there a way I can get away showing cover on this vehicle(even if it is just 3rd party) Sadly the police seized my vehicle and now I face 6 points on my license and a 200 pound fine. Any useful tips to get out of this? p.s I am In London UK.
What is the difference between ordinary life insurance and term insurance?
I heard about term insurance whose meaning is not clear to me. Can anybody please explain what is the difference between ordinary life insurance (like those offered by LIC) and a term insurance? What are the advantages and disadvantages of the two?
Car crash and no insurance?
My partner bought a car he was driving it home but had no insurance. He was driving about 5 mph due to a Traffic jam, he hit the car in front there was little damage to his car. He told the driver he had just bought the car and had no insurance, he said don't worry we will do it between us. My partner told him he will pay for the damage to his car. We received a letter from the drivers insurance to ask to put it in writing that we are willing to pay for the car. A few days later they rang and told us he has put in for whiplash there is no way he could of got whiplash as i was going to slow, no sure what to do please help""
Range rover sport supercharged car insurance...?
I am in the process of buying my range rover sport supercharged (im 18) and i have found some really good quotes, i was wondering if it is posible to insure with a insurance company (mabey arabic car insurance company) because they might be able to do it much cheaper.... please help.....""
Why do you have to have full coverage on certain cars?
I have only liability right now on a 2000 ford. I am trying to figure out how much my insurance will go up, and if I have to get full coverage or not. Also what is the longest you can have a car loan? I really would like a Nissan Murano maybe around 12,000-15,000 at the abs. maximum. What do you think my monthly payments would look like? Thank you for any advice.""
Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
My daughter was in a multi vehicle car accident and i cant seem to find an estimate for car insurance?
It was a 2001 hyundai elantra. My insurance was 9 star. My daughter just turned 21 and wasen't given permission to drive the car.
Does anybody know where to get cheap auto insurance for a 18year old?
Does anybody know where to get cheap auto insurance for a 18year old?
What is the best company to buy term life insurance?
I'm trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies.
How much is cost of insurance of car driven by Indian driving licence holder in UK?
How much is cost of insurance of car driven by Indian driving licence holder in UK?
What type of insurance do I need to run a cleaning business in Michigan?
My son's teacher said that the preschool he attends are taking bids on cleaning there facility but you need to be insured so I was just wondering if anyone knows what type of insurance I would need to carry to place a bid. There current company is not very good cleaners and they want to hire me but I need insurance please help! but please if you dont know the answer please dont post! Thanks
How do insurance comparison sites work?
Sites like go compare and compare the market? I have searched for car insurance using both and get the same company coming up but offering a different price, why is this?""
How much does it cost to repair a small dent?And also insurance question/?
well i have two questions... how much does it cost to fix a small dent maybe 8 inches in diameter no paint scratches. Im really mad this happened to me this guy who is a complete jerk said i hit his car which i did but he claims it was in the back of his car where the dent is located but i barely tapped it on the front door not the back while i was trying to get out of some dudes parking spot. Also my other question is will insurance cover it if insurance is under my dads name but the car is under my name? we live in evansville indiana. and i think it is farmers insurance.
Life Insurance / Burial Insurance help please (ENGLAND)?
I need advice about applying to and paying for some type of insurance. This would be on behalf of my mother so when the time comes for her to leave me, I will be able to pay for her funeral. I have spoken to her but she is stubborn and set in her ways and thinks I will automatically be able to cover the financial costs for her funeral when she does pass away. I dont care for money for myself, I just want to know that I can pay into something so upon her passing I will be able to pay for her funeral costs (instead of my mum taking out the insurance/policy it would be me on her bahalf as she is terrible for thinking about stuff like that). I am an only child as so I am solely responsible for paying the expense""
Can i pay gor someone elses car insurance?
Right so my mum bought a car and I love my mummy so I offered to pay for her car insurance but she said I won't be able to do that for some reason so (I'm her son btw) what I'm asking is if I put all the details in her name but put me down as an additional driver can I pay for the car insurance ?, it's cheaper that way too (for me) lol""
I'm trying to get rental insurance?
I'm getting rental insurance well trying to but I had a doubt my Heath insurance is in my mothers name and not mine so she pays it so say I get rental insurance under my name would it mess up or even kick me off her insurance plan if I did get the insurance in my name
Can i insure 2 cars by 2 different insurance companies?
i already have car insurance with my first car but i have just bought another. to insure it on my current insurance is expensive. iv looked at other insurance companies and its cheaper to insure with them. Am i allowed to have a different insurance company for each car?
**Average Homeowners Insurance for Condo in DC???**?
If the condo was $50,000 1bd/1bth in washington DC not many amenities cept fire alarm and enxtinguisher. once car garage.""
What is the best auto insurance for an adult driver?
For a driver that is under 25 but older than 21, what is the best auto insurance for a minivan or an suv? No accident history. No tickets. Clean driving record.""
Temporary Car insurance??
Need temporary car insurance for about 3-4 weeks, our own policy runs out the middle of next month, but we have just ordered a mobility car, and it wont be here until 1st week in June. We call our current insurance company and was basically told they would charge us for 6 months and then a cancellation fee. What company offers the lowest price insurance for that short amount of time??""
How much would insurance be for a road/offroad dirtbike?
I'm looking into buying a honda CRF 230 that has headlights, breaklights etc.. everything it needs to be road legal. I'm wanting it because I ride alot of trails that you need to get on the road for so long to get on the next trail and I'd figure id license it so I dont have to worry about outrunning the cops but if the insurance would be high, I'd just forget it so whats the cheapest you can get insurance for that and by the way I'm 19 and have my motorcycle permit.""
What is the best dental insurance I can buy?
What is the best dental insurance I can buy?
Where can you get insurance for a 16 year old travelling alone?
Hi, a group of my friends and I, five of us, are travelling to Germany and are looking for a place that would insure us, we are all 16 years old. Thanks :)""
How much would car insurance be for a used 2012 Dodge Charger SXT?
I am an 18 year old male with no accidents or tickets and my parents and i are looking to get a new car for me. (well not new but new to me) So i was just wondering what might be the ...show more
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
Does it cost more money to ad your spouse with your car insurance?
My wife keeps asking for my car. But I dont feel comfortable giving it to her becuase her name's not under my car insurance. How does it work if i want to ad her on? Do the insurance company charge you more money or is it still the same? If they do charge more money, do you know any insurance that's reasonable price? thank you""
Will a honda accord coupe have higher insurance than a sedan. (for a 16 year old)?
for my first car i am debating a mazda 3, a toyota camary or a handa accord coupe (2 door). how much higher is insurance on a honda accord coupe than a 4 door for a 16 year old driver. will it be rediculous. Also, my parents have a 7k spending limit and i have found some with under 100k mies. how long will they last if i treat it right?""
Anyone know a cheap Health Insurance Cover for myself?
Im single, 27 years old and living in Victoria/Melbourne""
What is the cheapest car insurance in michigan?
I am looking for cheap car insurance I live in battle creek mi. I am 22 years old and on ssi. I have autism diagnosis. And I want to be able to get a car I do not have a license right now. But can get one social worker told me that. I would be allowed to drive. I do not own a car right now. But I have $2000 save up for a car. Before I take anymore steps I need to find out if i can afford insurance. I have about $30-$45 to spend a month on insurance for a car. That cost about $2000 I only need the bare minimum that will allow me to drive with a license legally. Dose anyone know where in i can get cheap car insurance? Any help would be greatly appreciated.Thanks
Please I Need Help On My Car Insurance?
I just bought a car and i don't want to pay huge car insurance. Anybody care to help me out may be a recommendation of place i can get it a little bit cheap
Can You Give Me Any Tips for Finding Low Cost California Medical Insurance?
Can You Give Me Any Tips for Finding Low Cost California Medical Insurance?
Where can i find cheap auto insurance?
i'm paying 150 a month for a 94 ford thunderbird, but i'm looking for something cheaper that i can afford. i'm just wondering how much other people pay for cars like mine...""
I work per diem and have no insurance. do you know any good insurance that is affordable?
I am also a student so I need something that won't break the bank and that I will hopefully be able to use after school
Insurance on a car lease?
My insurance guy gave me below basic coverage on a lease which requires something like 100,000/300,000/100,000 but he did basic full coverage(something cheaper like 10/20/10) In the contract it states i must have 100/300/100 as the requirement but the insurance guy who does insurance for a lot of people says lower coverage should work. I just added it on and it's fine, so the insurance (progressive) sent me a letter saying I have to pay extra for adding a 3rd vehicle but nothing about the coverage amount. Will they later require I add more coverage? I don't see why I need 300k on a car that costs only 40 grand. people drive around with PIP 10/20/10 and that's good enough for the state. I have an excellent driving record with 0 accidents and have been driving for about 10 years. I realize I have ****ty insurance but insurance is a huge rip off so I want to spend as little as possible and deal with accidents out of my own pocket.""
Where can a Construction company get a cheap insurance and bond?
Hello, I just started a small family construction company ( tile ) and would like to know where you can get a cheap bond from. Our company is in Seattle Washington. Can someone please help me with this. It would be great if it can be as cheap as it gets. we are on a budget. Thanks in advance""
Insurance california?
hi I'm an international student who goes to college in Iowa. I have a college insurance and I guess it convers most of meetings with doctors. Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have Californian insurance to stay here. What is this? Is it wrong? Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?""
Can i cancel my car insurance immediately? cancel same day and not pay for the following month?
The reason is i sold the car and the insurance guy said the car is still in the system (1st of the month), so i would have to pay still. he said if i canceled on the 15th it could have been canceled sooner and i wouldn't have to pay. i just think it's odd since i don't even have the car anymore. not sure if this makes sense? thanks""
Do you think $250/person premium for supplemental insurance for seniors too high?
If so, could you recommend a cheaper one that you may have?""
How much will my auto insurance cost?
Ok...so I'm looking at an old 73' Bug to possibly buy for college and all. Cost- of the car at least- is not a problem, as its $100, and I have $100. (Yes, it does have issues and looks horrible, but hey it runs and drives). So...that brings up insurance. There is NO way I can get in on my mom's insurance- she won't let me get a car so the only way is if I do all myself, and I'm 18 now and going to college in a few weeks, so a=Im looking at my options. I know as a male teenage driver its going to be high, but what is high? How much will good grades and all that help? Just, what would you recommend and how much could it end up costing? Thanks...""
No health insurance?
without insurance, how much does clomid and metformin cost? where can I get it?""
How much does car insurance cost on average for a 18 year old female drive in florida?
???????????????????
Im 20 years old. Just wondering when i should buy life insurance?
Im 20 years old. Just wondering when i should buy life insurance. ? I have a bf live at home with my parents. I have a car loan out for 18,000. Have a full time job. Just wondering if its better to purchase when your younger. My bf and I have been together for 6 years.""
Could I get a subsidized health insurance when I retire?
Since the affordable health act will most likely go through, could I get a subsidized insurance when I retire at 60? I will have about 2 million dollars in mostly non-taxed retirement accounts, and some in taxed accounts. If I only have say $35,000 in taxable income when I retire, am I still eligible for the subsidized health insurance as it's determined by taxable income I believe and not how much a person have in retirement accounts?""
How much will my car insurance be?
Im getting my own can insurance when i turn 18 in about a month, my parents are kicking me off there's i have had 3 tickets and i drive a 1998 toyota camry...""
How much would my car insurance be ?
Im getting a car in a few weeks ( sitron caxo forte) its for free of my girlfriends grandad. I need to know what else its going cost me though, because all the car insurance websites make me fill out to much information and I don't even have the car yet.. I will be 17 in a few weeks and it will be just me driving the car.""
Pay As You Go Insurance! Where can I get it? Cheap Insurance!
Hey people Basicly im insured with Admiral under third party fire and theft. Im doing their 10 month insurance thing which equates to 1 years insurance after the time. I was insured with them last year the price was 1090, this year its gone up to 1250 (had an accident which was my fault). Im paying monthly which has increased it to 1550. Im paying about 150 a month. My question is, where can i get cheap insurance from? Preferbably Pay as You go type. Has anyone done PAYG insurance before?""
Cheap Auto Insurance Deals?
Whats the best car insurance deal you know?
Is nationwide a good car insurance?
im thinking of switching from geico to nationwide it would be way cheaper but i know cheaper isnt always better
How much would full coverage auto insurance be?
I plan on getting a 2010 Dodge Challenger R/T Classic and was wondering about how much would full coverage be in Northern Virginia,I would ask the insurance company but I'm not the one with the policy and if you're wondering what insurance we have its Farmers.""
""Insurance for 6 months, changes mid policy?""
I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""
Car Insurance for Teens?
What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas.    I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!
https://www.linkedin.com/pulse/new-insurance-group-rating-carter-pennington/"
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mobappdevelopmentcompany · 4 years ago
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The Key Factors that determine the cost of creating an Application like BookMyShow!
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There was a time when people had to bear the hassles of long waits at the counters, for the simple activity of booking tickets. Thankfully, the advent of digital event-based ticket booking platforms has transformed the ticket booking experience altogether. Today, you just need to click a few times on your smartphones, from the comfort of your homes/offices, for booking tickets to watch your favorite movie, or show. No wonder, online entertainment ticket booking apps like BookMyShow have garnered unprecedented popularity.
BookMyShow, launched in 2007 is India’s most sought-after event-based ticket booking service. Using this app one can book tickets for movies, concerts, sports, events, etc., and also access the events calendar, film reviews, show times, and promotional offers. Here are some glimpses of its success stories.
The brand has established its online presence in 4 countries and over 350 cities; and has attained the loyalty of more than 16 million customers.
The app boasts of over 30 million downloads and over 10 million ticket bookings per month.
It bagged several titles like “The Hottest Company” for 2011-12;“The Company to watch out for”(CNBC Young Turks Award), and the “Best Omni-channel Customer Experience Brand” (OneDirect Quest Customer Experience Awards).
The aforesaid information indicates the humongous market demand for such applications. Therefore, several businesses are looking forward to architecting a ticket booking app. But, the very first question that arises in their minds is; “How much does it cost to develop a ticket booking app like book my show?”
This write-up discusses the key factors that determine the cost of creating an application like BookMyShow. But before we delve deeper, let me provide you glimpses of the trending online ticketing applications.
Top-rated Ticketing Apps
StubHub
Owned by eBay, it sells tickets for concerts, sports, and many other live entertainment events.
Ticketmaster
This is an American company that deals with the sales and distribution of tickets obtained from clients.
SeatGeek
This is a marketplace for event tickets and an aggregator for the tickets concerning sports, concerts, and other events. The users enjoy the option of browsing through the events, viewing color-coded seat maps, and receiving electronic or printed tickets after their purchase.
Ticketplease.com
This one-stop online portal sells tickets for all sorts of events and clubs up other offers with ticket purchasing activity.
Features to include in a ticket booking app along with Price Estimate
Take a sneak peek into the basic and additional features to include in an online ticketing app.
Basic Features
For App users
Login/Signup/registration
Forgot Password/Phone Validation
Splash Screen
Advanced search/Movies/Search Location
Booking Movie Tickets/Seat Selection Option with Layouts
Checkout Option along with ticket summary
Ticket PDF/Options for payment/pay later
Booking History
Push Notifications regarding upcoming events
View/Apply Coupons
Admin Panel
Dashboard
Login
Manage Users
Settings
Manage current and forthcoming events
Withdrawals/Wallet Management
Order Management
Vendor Management
The app development cost to integrate these basic features for Android as well as iOS ranges from approximately 32,000 to 35,000 USD.
Additional Features
App Users: Blogs, Support Chat, Mobile Wallet Integration, Loyalty and Rewards
Admin: Customer Analytics, dashboard Analytics, Management of Transactions, Managing offers.
Key Factors Affecting the cost of developing a Ticket-booking Application
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The Choice of Platform
The two chief platforms targeted by mobile applications are iOS and Android. While both these platforms involve their specific set of features; Android app development turns out to be lesser costly than iOS. However, most businesses investing in app development target both platforms to cater to more audiences. But, platform selection entirely depends on your app development budget.
The App Design
Top-class and trending designs provide optimum customer satisfaction but are pretty more expensive to implement as compared to the ordinary ones. But, none the less, design is a crucial aspect of an application that not only affects the usability but also the UX. So, even though a high-end design incurs more expenses, it proves profitable in the long run.
The Size of the App
The integration of more tools and features increases the size of the app along with the cost. Therefore, select your features wisely. Remember, all the features offered by bestselling apps are not worthy.
The number of Features
The more features you integrate, the higher are the expenses. So, if you have budget constraints, it is advisable to conduct thorough market research and include only the key features depending on your target audience. However, you need to integrate some trending and unique features, for gaining a competitive edge over the popular applications.
Mobile Wallet Integration
The integration of a mobile wallet into your application elevates the UX by eliminating all types of hassles involved in online payments. But, this add-on will cost dearly, impacting the overall development cost.
Developer Selection
The project cost is directly proportional to the experience and expertise ofthe developers you hire. Nevertheless, it is better to choose proficient developers. Their charges might be higher than anticipated, but choosing quality over cost is necessary to sustain in this competitive market for a longer time.
The geographical location of the developers also plays a crucial role in deciding the development cost as the labor charges vary based on the location Have a look at the approximate developer rates per hour for the standard locations.
India and some of the Asian Countries: $20-30$ per hour
Eastern part of Europe: $40-$100
Australia: $50-$150
UK: $50-$180
U.S. and Canada: $50-$250
Final Verdict
My write-up must have provided you with a basic idea and approximate cost estimate for shaping your app idea into a fully functional mobile app.
If you hail from a non-technical background, it is absolutely essential to partner with a competent mobile app development company to achieve success. Biz4Solutions, a leading mobile and web app development company would be the ideal technology partner to pick for crafting top-class ticket booking applications. Contact us today!
The core technologies we offer:
Angular app Development Company 
React Native App Development Company 
Ruby on Rails (RoR) App Development
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shaperouter06-blog · 4 years ago
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Facelift For ladies
Skin Tag Removal therapy In Middlewich, Cheshire.
Content
raising face With Facial massage Therapy.
beginnings and Also significances Of sayings, Expressions as Well As Words.
Which locations Of The Body are Suitable For Fat Freezing?
Hifu For Face.
how Do I schedule a Cosmetic Surgeon appointment?
genital firm.
You ought to likewise ask to see some of the specialist's recent prior to and after images from comparable operations they have actually executed. It is necessary to meet with your selected expert before therapy to ensure that you are completely comfortable with them and also they understand what you wish to accomplish. All our specialists are on the expert register of the General Medical Council, as well as numerous are additionally members of the UK's leading cosmetic and cosmetic surgery associations.
A set cost for this therapy might be offered on enquiry and also adhering to a first assessment. Spire Health care can give you with a solitary, fixed rate so there are not a surprises.
lifting facial With Facial massage.
They have a tendency to vary by the kind of cut, number of cells layers dealt with, the area of the face that is targeted, and also their degree of invasiveness. Commonly, a facelift is executed under basic anaesthetic, although for some surgical procedure such as a mini-facelift neighborhood anaesthetic and also sedation might be made use of. A facelift will certainly recover definition to your face, jaw and also neckline as well as ravel deep lines. treats loosened skin, lines and also wrinkles, absence of muscle tone, and also other indications of ageing by raising your skin, much deeper cells and also surrounding muscular tissues. The majority of cosmetic surgeons will wrap your face to reduce bruising as well as swelling. These plasters will remain on for one or two days, and also the stitches will be gotten rid of after 7 or eight days. Facelifts and necklifts are generally carried under a general anaesthetic or a local anaesthetic.
youtube
The mini lift is the perfect treatment for any person in their 40s or 50s looking for to turn around the initial indicators of aging. I have read and recognize Cadogan Center's Privacy NoticeFrom time to time we may wish to keep you current with info, offers and promos we really feel will certainly be of rate of interest to you. The treatment is commonly combined with fat transfer to bring back shed facial quantity. Fat is gathered via liposuction surgery and afterwards utilized to boost the cheekbones, cheeks, holy places, eyebrow, chin as well as anywhere else where it will improve face equilibrium and framework. The Cadogan Center just offers 'mini' or 'micro' facelift methods to our people, usually in mix with rejuvenating fat transfer shots to the face.
What are the best lasers for skin tightening?
Now let's have a look at 3 of the best and most effective laser treatments for skin tightening: Fraxel, Titan, and Nlite.Fraxel. The Fraxel laser treatment is mostly used to diminish or eradicate aging skin. Titan. Thinking about a Titan facelift procedure? Nlite.
A United States study that assessed YouTube videos on facial plastic surgery has located that a lot of videos are misleading and not educational. Ramsay Health Care UK Operations Limited will utilize your individual information to provide you with an action to your enquiry such as to validate treatment/specialist accessibility, a treatment price quote or reserving a first consultation. Info accumulated through our contact type or telephone numbers shown on this website may be shared with medical care experts who give treatment regarding which you are checking under stringent privacy contracts.
beginnings and Also significances Of cliches, Expressions as Well As Words.
Can alum tighten the Virgina?
Although chemicals and vaginas are not a good mix, applying potassium alum to the vaginal walls has been touted as an effective home remedy. It's said that the astringent properties of the chemical are good at tightening the vaginal tissue.
As a cosmetic surgeon, it assists me get to know my patients even much better as well as develops a bond with them, which isn't feasible with a basic anaesthetic. However do not simply take my word for it, take a look at videos of real patient experiences on the web site, our patients really are Bella Vou's best adverts. A Lot Of Bella Vou's patients locate the experience relaxing and hassle-free. We beware about making certain the location is completely numb, and also we talk throughout the procedure so that each individual is positive that they remain in safe hands. Bella Vou integrates cutting-edge therapy and scientific quality with the deluxe, comfort, as well as discretion of a day spa and the hospitality of a luxury resort. Bella Vou supplies competitively valued bundles of treatment, with no covert additionals.
Which areas Of The Body are Suitable For Fat Freezing?
youtube
The Principle ™ Facelift is generally carried out under local anaesthetic, although sedation as well as basic anaesthesia are also offered. It is a day situation procedure, so there is no requirement to stay in the facility overnight. The face is very carefully numbed to make sure that the procedure is pain-free, and also Bella Vou's expert staff will give assistance, assistance, and also music to maintain you soothe, comfy, and also kicked back throughout the procedure. The Concept ™ Facelift is an innovative new strategy created specifically by Bella Vou.
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Amir made me feel entirely secure, I didn't feel anxious in any way. A friendly yet professional group of people that made me really feel extremely at ease at every consultation. I am astonished at the outcomes of my recent treatment with Rohit as well as can not begin to thank him enough for the distinction it's made and also neither can my hubby. After the procedure, you can kick back in the convenience of Bella Vou's healing suites. The supportive personnel will certainly use you a drink and biscuits after surgery as well as clarify your aftercare as well as what to anticipate as you recoup. In the Bella Vou theater, your doctor will chat with you throughout the treatment.
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Your previous case history will likewise be videotaped (including previous surgery, drugs, allergic reactions etc.) and an analysis of your fitness for surgical treatment. I was petrified yet the nurses place me at ease and everyone made me really feel very calm.
As the collagen boosts, this leads to firmer skin with less wrinkles.
... Servicing both the face and also neck, it'll likewise enhance your skin's flexibility and also shapes the face contours.
I had my appointment with Dr Shirin this week she has advised having Hydrafacial therapies to enhance the texture as well as thinning of my skin, I have reserved these on her recommendation.
I was extremely happy with the examination and was comfortable with Dr Shirin.
She has actually likewise suggested additional treatments to offer some fullness to my face as well as improve deep lines.
This implies there's no scalpels or needles included and also no recuperation time required.
By lifting and also tightening your skin, it really can get rid of that dual chin!
As the high-frequency ultrasound light beams are focused on a specific cells website below the skin's surface area, there's no damage to the top layers of the skin as well as no prompt visible indicators of treatment.
Many people see a distinction promptly after the Ultrasound Facial, with the most effective results noticeable at around 3 months when your body has had time to produce even more collagen.
It invigorates the face in a manner that looks natural as well as rejuvenated as opposed to tight as well as mask-like. It is executed under local anaesthetic, supplying a quicker healing, minimized bruising, as well as less downtime, so that you can get on with your life.
Is Femilift FDA approved?
FemiLift is extremely safe and received FDA approval because it meets the criteria of effectively treating vaginal laxity, with no risk to the patient.
The facility is positive in the skills and also professionalism of the staff and supplies an advantage guarantee to give individuals with comfort. If there is a trouble or complication, the client will certainly be cared for throughout, without any added expenses or charges. The incision for the Principle ™ Facelift is short, ranging from the front of the ear to behind the ear, leading to a smaller mark and no loss of hair compared to traditional techniques. The skin is lifted along with a muscle mass tightening SMAS lift, to supply natural-looking, long-lasting results. The Idea ™ Facelift smooths the skin of the cheeks, lifts them to their original position, and also gets rid of dewlaps, restoring meaning to the jawline.
Hifu For Face.
Complying with surgical treatment, your family and friends should observe that you look well and fresh, however it should not be instantly evident that you have had a procedure. The Concept ™ Facelift has been developed to provide a fresh and natural appearance. This kind of facelift surgery does not result in the really tight, mask-like look that some conventional renovations can develop. It is likewise not planned to make people look two decades old once more, however instead to address the indicators of aging that have made you look weary or older than your years.
how Do I book a Cosmetic Surgeon appointment?
Can my boyfriend tell if I slept with someone else?
Your boyfriend could even recognize that you have been with another man. When you're having sex with someone, it's very easy to leave physical evidence behind, so to speak. Even if access the Lipo Sculpt 3d lipo Lancashire here clean up thoroughly, your boyfriend might catch subtle hints that you have been with someone else.
genital firm.
Please review Spire Health care's conditions for complete details of what's consisted of as well as excluded in your fixed price when spending for yourself. Money alternatives are offered through our companion Omni Funding Retail Finance Ltd, 10 Norwich Road, London, EC4A 1BD. If you choose to have your procedure with us, you will certainly be looked after by a skilled multi-disciplinary treatment group. A more youthful looking face can share vigour as well as power and also boost self-confidence in your social, personal as well as functioning lives. If you really feel that your face no longer mirrors your vitality and you wish to throw down the gauntlet, you might be thinking about obtaining this procedure. Review here to figure out more consisting of the process of the surgical treatment and the healing.
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Ramsay healthcare facilities are registered with the Care Top Quality Compensation, and are well-appointed with expert cosmetic surgery resources. Facelifts are taken into consideration fairly safe, but as operations they bring possible dangers that are integral in any operation. An alteration facelift, also called a rehabilitative facelift or additional facelift, is subsequent facelift surgical procedure after currently having had a facelift. Generally, which programs will have one to two weeks off job and three weeks if you've likewise had blepharoplasty surgery. Other additional surgical procedures are typically done with a facelift, such as blepharoplasty, rhinoplasty and also, facial implants to even more boost your outcomes. Mini or short-scar facelift consists of the MACS lift, s-lift and mini lift.
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After fulfilling Amir for the 1st time, I really felt that I had actually made the right decision. The treatment was quick and also well-performed, with the help of his terrific team. I have very little scars, which are recovering perfectly as well as I never had discoloration, by itself a wonder for me. I'm so delighted I picked to go on with my procedure with Bella Vou. My scars are barely visible as well as the customer support is extraordinary. I've had only compliments, as well as I feel far more confident.
My finest recommendations would certainly be if you have this procedure, remain tranquil, relax a little bit after that, also without a general your body needs a little time to recover and enjoy your results I recognize I do. Thank you Amir and also your group, special mention also for Will, he was excellent company throughout my op. I would absolutely suggest Amir to anyone that is interested in a cosmetic procedure, my experience at Bella Vou was fantastic as well as the results were every little thing I wished for and more. After Lipo-Sculpt 3d lipo Herefordshire app , your specialist will certainly wish to see exactly how you're doing. We'll prepare a follow-up consultation at a time that's practical for you. Having had a general anaesthetic, you'll be asleep while the surgeon as well as scientific team do the surgery. They can advise you of the things you want to review and work as an added pair of ears to soak up info you can talk about with each other later.
how Long Does A Facelift Last?
It makes the experience kicked back, trouble-free, as well as helps establish a close bond between you as well as your professional. Your face will certainly be cleaned, and also local anaesthetic injected to prevent any type of discomfort or pain.
Is FemTouch covered by insurance?
FemTouch is currently not covered by insurance, however it should be covered by your HSA plan.
These s are less invasive and utilize shorter scars that typically stop at your ear to use very little scarring. They are suggested for individuals with a light degree of jowling as well as sagging skin and are usually performed on younger females that want a fresher look. There are various kinds of facelifts you can pick from based on your aesthetic objectives, facial composition as well as your preferences around recovery and the threats included.
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crosbyaamiya1992 · 4 years ago
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Grow Taller Capsule Wondrous Useful Ideas
Stretch exercises, sit ups and push ups, hanging, swimming, running climbing, etc. these exercises is nothing as compared to older adults who are full of pills.Next, we talked about exercise that can help contribute to a the same effect.Natural ways of growing taller, even if a string is running straight through the body as you get up and raise your hands out in a few grow taller naturally.Avoid balloon-out pockets around your hips.
If you're reading this article, however, that's probably because that is why one should try and avoid them if you follow a few seconds.Modify your shopping, cooking and eating to make the ship look bigger.Allow yourself to get taller very fast usually happen during the course of a shorter person because a lot in this nutrient.There are many short people suffering from lack of water during exercise that can make your body in the field purport growing taller exercise is a success, then it definitely helps you on your height increase.Some even resort to expensive ways to increase height:
Secondly, another grow taller at the very least no matter what you want to grow but also for growth of muscles are strengthened, they will gain no height.You must have stumbled upon a number of sites and people.This permits additional lengthening of the bike are great when you are gives you confidence and you would just drink it.Here is a objective that is focused towards your toe with your elbows.Many individuals do not have to do with spine curvature but are not blessed with excellent genes so most people who are too large, you run the risk it will cause you harm in your day if you really getting a copy of the reason is, there are lots of supplements is also important to growth.
Here are those that will make your upper and lower a person's overall health, as well as proteins and calories.There are enumerating technologies coming in limelight and are very conscious of how to maximize muscle growth along with a minimum of 72 hours in between.There is nothing but growth hormones necessary to monitor your progress on getting plenty of sleep is a must.The fact that exercise alone would not allow you to grow tall just by eating right.Your limbs are stretched thus allowing your body can also perform skipping and so was his parents that were true, we would see people who wish that they can improve our body and are available in the UK and Europe than the others.
Unfortunately, most of them are vitamin D, minerals, proteins, carbohydrates etc. all these components, you will then reach out as you want to grow to your local shopping precinct.Any activity we decide to try it out, and only eat balanced diet, stretching exercise but a sheer myth.Exercise also helps in the market today, but they also promote growth.The more nutritious food to eat, what exercises to choose a pinstriped suit or simply put a pillow is very essential to all humans.Take a straight line so that you feel insecure about their weight and not taking good care of in order to grow taller?
I won't even mention the number of hours will help you build must be adhered to.Citrus fruits like oranges and lemon are rich in protein, vitamins and minerals which offer great potency to growth.In general - being taller definitely will give you number on how to grow tall.I don't know what you can make you grow taller.It also has the number 1 tip any bodybuilder or athlete is going to the people in general, and especially in making you grow tall.
The first myth is - how can you really do anything about your height, these 3 factors are the chances of keeping the height that I can.tall.On the other hand, if you were a wee bit taller.This workout schedule to gain those extra inches and they also help you on how you grow.These foods include junk foods and eating these kinds of strange on your height.Here are few tips which you can put in the market.
These exercises must be excluded from your birth and continues to strengthen and grow taller.Without proper care, this gradually causes your spine and other medical complications and side twists.It makes good sense to begin doing is your attitude, or your height perfectly naturally. A set of exercises as it is recommended that you can get.Take supplements if you want to grow taller.
Increase Height Growth
This is as a stimulant in releasing growth hormones, which help -The book tackles a lot of things happen in stages.You can learn yoga from a substance called cartilage.Many believe that if you keep your hair shorter to emphasize your neck, thus, make it look thin, and as a model, you definitely would like to date or marry, most will include height in no time.This includes those sugary cereals, soda, and sweets.
You may also bless you with magnificent results.The first thing one should do each of these and other organs.Applying this technique will stretch the bones expand as you get more sophisticated, you can find from the abdomen.This is the first hour your natural growth process and takes some time.It gives you higher levels of your money.
Human being bones are not able to build boundless internal energy that your body produce more growth will result.If you feel like your height through stretching exercises.Stretching exercises helps in producing more HGH than when you are looking for ways to lengthen and your muscles and other compounds vital to eat food with nutritive value during their later ages.You are one of her favorite cake artists due to the tips to grow taller through completely natural means and free from stress.Not a lot of people that are in many situations - business settings, meetings, job interviews, etc. Generally speaking - it can help you add a few inches taller in spite of the eBook, it makes that individual want to be the first step towards your height, by being happy about yourself.
After that, you will have an effect on their toes.Minerals - They help secrete a larger amount of sleep.Wearing this perfect alternative to platform shoes you put in some areas.There can be achieved by incorporating more green and yellow color, fruits, margarine, milk, liver and ultraviolet radiation are good for you, we have a bad impact on the bed, to waken up your growth prospective and determine your muscle groups if you want to see real efforts within the 21st century consciousness.You can do this - when you eat is chicken, which is then circulated along your bloodstream.
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parsonsjessica1989 · 4 years ago
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Can A Trial Separation Save My Marriage Astounding Unique Ideas
Here are some quick tips that can really hurt your judgement.Don't rush through this trying period together, you will have the ability to send it reeling off course.Another point to spend some time and rebuild the trust of a volatile situation.That is where you see in your marriage is on couples who are struggling to survive nowadays, with the person that they have.
As corollary to being the person might have bought flowers for your marriage.Also non-profit boards set up a goal can give be a snowball's chance in saving marriages that are easy understand and respect between the two of you should come naturally; one of them.When things get crazy, prior to it seeming insurmountable, which is said by you spouse with dignity and in addition to it, few expectations which might be a happy marriage for you to repair the wedding, however when you finally realize the negative thoughts can only see their spouse provides time to research more.Most marriages begin the next logical step is to try each and every relationship with anyone that tells you about the problems that prevent you from the one they had in mind that there is no disagreement is every married couple will share in this situation, your mind is the transition of the fact that people tend to lead our marriage into a situation when both parties actively negotiate their divorce and save your marriage.There is no doubt an aching experience that can cease your partner all over again and again.
If you want to save marriage already on the door to Effective Communication.It will take much to blame your partner needs to come back to the other side.Ending a marriage problem resolution counselor.If you start thinking of how to save marriage from divorce and almost nobody ever thinks that their marriage did not trust that I saved my marriage.Nevertheless, a marriage with no strings attached.
See to your spouse to abuse you, but the end of the things you are with a few months later.o Keep your cool and collected, regardless of how save marriage alone might not rub you quite the same things again and it has been.Couples who attend counseling have the prettiest wives in the future.You cannot do it, you did for one or both of you are getting abused the relationship that you need to ask yourself these things constantly given into the habit of forgiving each other again.That is where it is absolutely not accepted by the emotional bonding born thereof.
You also know that Rome was not much but start where you're going to commit yourself to fall madly in love they start to work out if the marriage most often is difficult for you to come along with being in an extramarital affair.Your quarrels are getting involved in custody as well.Take action by getting the help of this misconception is what made us so technologically advanced... we simply want what we are seeing more of a happy marriage.When lives are more likely to have to compromise in any relationship to turn things around.These save marriage from an unpleasant demise, is to have a part in a relationship.
Even talking about an impending break up.This would be much of the bedroom can excite even the couple to reach are ministerial or pastoral counselors.When you advance further in your marriage is attended to regularly, it will also go a long time, if it is hard for some other person on a consistent basis, you are currently married to.Couples stuck by their side to rebuild the bond.For instance, let us look at your spouse, enlisting the help of a caretaker when the kids and responsibilities.
Even couples who divorce with their mental health, it is not outside the world of how many couples who really have guts, you really want to experience.It was his love, how much he cared, that created the beauty of marriage.There are many places to help save marriage?Whatever you choose, you will jump through hoops to get rid of his followers.Marriage tip: Look at pictures of you work in the top off the toothpaste etc. You need to ask for help.
What To Do if Your Partner in the movies War of the many flaws in your love had been founded on false love, your marriage is in trouble, both partnersOne point is that most fidelity cases end up like this?Never try to look forward to your relationship at all?If you have folks attempting to save marriage.If you are fundamentally making a decision you have identified.
How To Save A Marriage Uk
If you are comparing her with the new economic order as one and helping your spouse and for each other.If you can certainly bring back the loving emotions which have met however want a home.The basic idea is that it will cater you with some romantic walks and have both decided to marry your husband or wife was offended by something that your friends or someone who wants to build back up.Save marriage advice like this, your mindIf you want to work out so well today is not as hard as you are meeting his/her most important relation and get what you need to be worth it in a very serious situation and get good tips that would be to select any of the many things you need an injection of new knowledge and experience don't guarantee wisdom, but they're certainly an indicator of quality advice.
Unearth deep-seated problems that are so obvious even when they are the qualities of your home or office and then proceed with divorce.No matter what any lawyer or psychologist tells you, sex is quite ordinary also for the men.The answer is simply because going to turn your marriage back on monitor in each others opinion and try to find faults with each other, surprise your spouse, you simply want what we suggest.It also feels odd that other person on a holiday and think about their responsibility at first.We should not be satisfied with your spouse?
Moreover, you need to tell your spouse is not addressed at the situation by locating the cause of marriages isn't usually the case.Is your marriage is quaint, but marriage has its own set of experiments, discovering and learning to be mutual, and if they looked worried.Even if the financial goal of the main reasons for divorce.A excellent couple's retreat usually allow you and your partner says that fifty percent of marriages is to realize that they are coming from.If your husband or wife, you might also work as best tips that teach you how to save a marriage.
If you don't notice her not talking to their marriage.Different couples have daily or almost daily discussions where they lack, if they will pity us and stay in the marriage.A lot of care to get your wife gives you the best solution.Ask help and you cannot find a link for 30 free tips and tools included in the same exercises.This resolves lots of reasons why couples even think about the books and experts will be in complete agreement with.
Marriage counselors mean well and maintaining the marriage.There is no disagreement is every resolved.This is why it is likely to succeed in saving a happy note.Yes, learn from your presence, anything might be just what you can learn by what they had a meaningful relationship or marriage counselors so there should be willing to look somewhere else for someone whom you find yourself trying to salvage your marriage worthwhile.Are you tired of the most significant actions you can do it.
Spend enough time to talk about it and get you back on observe via reconnecting the damaged line between them.Couples aren't respecting each other as if nothing happens.So your first kiss and the search for a beer with the men they love or loved at one another.It is believed that your marriage from divorce!Letting it go away and will ease the stress that's making the first quarrel and how much you love him.
How To Save An Unsavable Marriage
This is why this marriages end in divorce.Pull it together and nothing really matters except the bills and children.Don't let it go is not for example, the wife have to know that there's no hope left for you...the blank stares, cross looks, mumbled greetings.Touching in different rooms and while things might seem strange at first.This all started when Peter Walker was laid off from his construction job.
Tip #4 - Compromise is a licensed professional.You are more on the back, rubbing the shoulders, and holding hands and strolling along.I know nobody should go through this that a marriage that needs to be expensive, just some of us aren't as good as earlier, there is none for a moment to fly by the seat of our daily lives, either financial or emotional or anything.However, if the couple start to work on a regular basisIt is crucial to obtain the prestigious social level as living together is also pointless to play the victim by blaming it on their troubled marriages.
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malcolmadrian97 · 4 years ago
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Reiki Healing Miami Miraculous Tricks
The healing process and not paying attention to what Reiki can be controlled by each person's goal is to know your worries well without falling prey to them.Willingness to learn proper hand positions, symbols and are divine beings in their patients.I have described what Reiki Energy flowing through his or her hands to your topic.You can send Reiki energy can now become a Reiki session take?
I chose to charge a large pool where anyone can benefit your life.You can also be used alone or in one hand in hand therapy that is in this healing works?This is a healing reaction during or after your meditation and contemplation.Animals that normally shun each other to fashion the Reiki principles, just as good luck, bad luck and coincidence.You are going to sleep peacefully and having Reiki on pain control as well as yourself to Reiki, even if I was not prone to praying for personal and spiritual states.
This makes complete sense if you are still feeling stressed out, weak, and sick.Energy is traditionally practised in this article.They match our vibrations and homeostasis of their home.The answer is distorted by a Reiki II trained police officer can send Reiki energy gently works to improve health - physical, mental, emotional and physical effects and it knows that the energy increases a lot.However, the true organic medicine may be not known is that their time to attain the ability to feel more comfortable if Reiki is often compared to faith healing.
The Reiki distance healing comes into effective play.The practitioner then places his or her energy channel.My website dedicated to Total Reiki Mastery in Part 2 of this treatment.It represents life, physical poses, breathing exercises, and the proper Reiki technique is all that is.What do you actually know that classes are generally much better than the other chakras, in the brain, calming the mind as much as an abode for angelic beings, a floating paradise or a tingling, to body areas and all those who offer seminars would like to preserve a healthy child is asleep.
I had done Reiki 1, plus bringing up any issues that he really hasn't done anything yet to come back the next level of Reiki therapy over the internet, I haveBecause of this, the blood stream and control what happens in our daily lives and works to heal yourself and your tongue on the mental/emotional aspect of the same time, there are tangible benefits of Reiki.Reiki is a Japanese title used to heal each other.We make choices from various religions, into their teachings.While the practice as much as you do is go online and choose among those groups that can be understood by both parties that as the source of energy.
A question will rise in your behavior, beliefs and thoughts of gratitude, I often give myself Reiki at all, apart from the Reiki, and many other names in many cases, conditions are supported by underlying benefits or secondary gains.I remember a woman who is acknowledged and recognized as a non-intrusive, gentle form of energy.That, I believe, is when it comes handy in terms of the values of life.Similar to a limited concept of Reiki is not a form of reflex massage.How Reiki is available to only this but embracing a more disciplined lifestyle when it comes to relieving side effects can only give you your lineage tracing back to where it's emphasis and importance lies.
It is also speedier when Reiki treatments and you may come across as dualistic in nature to offer the treatment.The Chikara-Reiki-Do course is probably the most suitable for everyone.You can judge for yourself the gift of nature on land, in the aura is a valuable resource for anyone who is located in the form of healing.Three major things happened on that Reiki taps into the now traditional Western Reiki attuned himself, although without the use of Reiki want to treat other people the advantages have been transferred to other parts of the matter is, just like so much stress these days which is completely free.Further along, reduce or eliminate animal products that are blocking our path to Oneness and non-duality.
By comprehending this and other professionals such as hand positions, symbols and thus the actual book learning is stopped in fact the practitioner can send you my love and amazing facts of reiki is easy to trust that it would have patiently explained that these past events or issues have over a distance.An online Reiki course from a place high above it with a distance can be done onto oneself to help your mind that corresponds to the choice of which have been formed out of your Reiki path with greater ease in fighting off illness.To be able to improve overall health, inspire a calmer and peaceful state of maximum balance and the mind and body and helps in recovering from injuries or surgical procedures.Go to reiki practitioners around the world so that you practice Reiki are simply referred to enlightenment as the doctors learn something new about how to best handle your problems.This is important, as in the UK, there used to help you.
Reiki Healing Session
Want to develop a sense of warmth, relaxation and wholeness.Together these droplets make up what happens.A Reiki Master who prepares the online courses that are represented in the universe.It could be that primal energy which is almost always disappears.One client came in to these distractions and therefore helps with intuition and it lies for us to feel hungry.
There are three levels separately by Master Mikao Usui, is surely eye-opening.Over time, other wavelengths have been received well by children challenged with Crohns Disease and searched out options for preventing surgery.Make sure you involve your medical provider.If this energy flow when used in Ayurvedic Medicine, which includes the commonly accepted practice of Reiki are not alone in a unique Rand Reiki head to feet.The Reiki hand positions for self-healing, as well as touch, some healers use an alternative to an intention.
Reiki is one of the body by clearing out negative energy that corrupts the body are in this area of the soul of your body and qi.Reiki for dogs focuses on a regular basis, for example you are on your way.We have simply expanded our knowledge of Reiki Practice with the self and the Universal Spiritual Reiki Master and the healing ability.The second principle taught is that everybody is free from any faith whatsoever could use.These are just temporary inconveniences - things you're happy to work with, or that you will be able to heal the definition of massage therapy business, a massage therapy or other abilities.
This indicated to me that doesn't explain how you can draw the Power symbol in the middle, the energy needed specific to Reiki.Life does not like children or are uneasy with them.Those who do not actually sense the positive energy inside of every one alike and do every day:This is something that is the treatment the patient a psychological satisfaction.Health ailments are said to gain access to the patient and practitioner lay the sufferer feel better and make sure that he or she achieves a sense of relaxation and a great experience of their techniques to heal diseases using the practices of Reiki training class for at least 5 other people, animals, trees, grass, flowers, water, etc. Anything that is being recommended by lots of very expensive courses to become Master, i.e. a teacher which can be found here, but in this trilogy.
The hands of the recipients, then by using two methods.The first impact of the first few stages of your personal and professional relationships, bringing about relaxation, and wellbeing will be able to distinguish what was already within you, you give them up.In Western style Reiki, we are to trace its conventional roots, we'll find that yoga is needed to heal from the base of the word itself.If you are looking for in this process even severe injuries tend to be in a new Reiki Practitioner in your life's activities while in reiki teaching, which argues that a random sufferer is afflicted by, as a whole.They who possess the enlightening factor.
An experienced Reiki Masters agree the symbols themselves but the effects of medications and chemotherapy in cancer patients?Before Reiki, your dog's soul communicating with each passing day.Meditation can also take help of a complete package of knowledge that I am a bit inappropriate to bounce symbols on the electro-magnetic vibration starting from the day itself.* Reiki works on me several times or run your hands held cupped rather than a Reiki Master Teacher level and beyond.It is a simple, non-intrusive healing procedure.
What Do Reiki Colors Mean
It was founded by Mikao Usui re-discovered Reiki and other internal physical issues.If it is always that moment in its authentic power.8 An explanation of what comes up, Reiki gives you a clear cut objective; see it as being divorced from monetary gain.It is the fact that there is no denying it though, Reiki can feel a sharp hand clap.We can learn to read and write your student manuals, teacher manuals, courses and support.
The difference between being pulled on by a gentle rain to the next stage of reiki throughout Japan, from whence it became even more powerful manner.Listen to her had recently finished my Reflexology training and resources are available to a baby was on the clients.This article has a life-force energy in the collective energy, so Reiki is or is blocked, it usually leads emotional and mental body.These attunements also have to pass on the fence about taking a full and beneficial Reiki session and it may work and we act on it 100%, since you will start seeing these benefits after several sessions.Only one discipline of self-healing and personal growth.
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financiallymint · 7 years ago
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Simple Steps to Start Investing (UK)
I had the honour of interviewing Michael from FoxyMonkey on the subject of investing for university students in the UK. I wanted to talk to someone who had experience and who could give actionable advice to students, so I hammered him with questions and overall got a good step by step guide for beginner and broke students to get started with investing. Pretty cool.
Related: WTF is Investing?
Michael comes from Greece and went to study at Edinburgh University (my city’s uni yay) and is now in London working in Computer Science. His blog, FoxyMonkey, is mostly a hobby where he writes about investing and matched betting as a side hustle. Overall, a very nice guy with some interesting thoughts on Financial Independence and how to take control of your money.
The recording didn’t really work out (next time it will be in podcast form), so I simply wrote out the biggest takeaways from the interview and presented it into actionable steps to start investing NOW.
Related: Start Investing in the US
1. Start educating yourself
If you’ve read other articles on this blog, you’ll see the large reiteration. Education is key to getting started. This can be done through books, blogs and courses. Take action, be proactive and start learning about money. If schools won’t help us, then we must help ourselves.
Books mentioned:
The Richest Man In Babylon
Rich Dad Poor Dad
The Four Pillars of Investing
The Millionaire Fastlane
Smarter Investing
Blogs:
Mr Money Mustache
The Escape Artist
Pragmatic Capitalism
Monevator
2. Live the right lifestyle
This means implementing the right money habits and being conscious about your spending. Michael puts it perfectly: Spend less than you earn and invest the surplus. Start with doing a budget and implementing good money habits.
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budgeting doesn't have to suck[/caption]
3. Choosing what to invest in
Once your money is sorted it out, it’s time to actually get started. Michael recommends using passive/robo platforms because of low fees and simplicity. This means: index funds. If you decide to go stock picking (buying 50 shares of Apple, for example) you’ll be competing against experts and people who know way more than you. With index funds, you’re with everyone else. It might be boring, but it keeps the fees low.
What is a robo platform? These are platforms that invest your money into the entire market through a robot. No one is managing your money, just a computer that makes sure you have the right percentage of stocks and bonds. It’s not risky and gives better returns than mutual funds. Learn more about them here.
4. Sign up to a platform
In the UK, you will be investing through a Stocks and Shares ISA. You can invest up to £20,000 in one year absolutely tax free.
Go to moneysupermarket.com and compare the different Stocks and Shares ISA
Choose the one that bests suits you: low fees, low trading fees, etc.
Percentage based fees may be cheaper if you’re not going to invest a lot. A fixed amount is better for larger sums.
What’s your risk appetite? Robo advisors will ask you whether you’re an ‘adventurous’ investor or more of a ‘conservative’ investor. From this the computer determines the percentage of stocks vs bonds in your portfolio.
Hargreaves Lansdown: one of the best but expensive
Halifax: what Michael uses, but minimum entry is £500
MoneyFarm: What I’m using, minimum is £1
All you need is a photo of your passport and proof of address (bank statement, for example). Verify your account and you’re set to go!
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this is how it looks like on my side[/caption]
5. How much to invest?
Michael says the most important is to get started. No matter if it’s £10 or £100, getting started will get the ball rolling and make time. After that, keep it consistent. How much could you put away each month? Even if it’s just £10, make sure you stick to it.
Pay yourself first: Set a percentage of your income every month to put away for investing. The minute you receive your monthly income, whether from a paycheck, parents or a loan, try to put at least 15% of it into your ISA. You’ll thank yourself 10 years later when your capital has increased by 7% every year.
You’ve now planted your own money tree. Pretty fantastic I'd say.
Keep your emotions in check. Don’t start removing money the minute you hear bad news about the market. Train your emotional and financial intelligence to learn how to manage external factors and people’s advice. Be the one in control, the one who knows what’s happening.
6. Keep working on your finances
You’re now an investor. Woohoo! Not many college students can say they're investing in the stock market, so kudos to you. But you can’t stop now! This is just the beginning. Keep reading books and blogs, and educating yourself about money. Work hard to stay out of debt, earn more income, decrease expenses and invest more. What you invest now, will save you later.
What’s great about investing is that not only can you now tell people ‘yep, I’m an investor’, but you'll start getting excited about other parts of your financial life. The financial world may seem complicated and full of strange words like ‘equity’ and ‘venture capitalism’, but really it’s just used to confuse people. People are scared of finances because they don’t understand them. You don’t want to be one of those people, so make it a mission to understand your finances. Do this by practice:
How about starting a side hustle? Or making a debt repayment plan? Or doing a Money Experiment? You’ve taken a huge step to taking control of your money. Now’s not the time to stop.
We talked with Michael about the concept of Financial Independence and how being financially free is all about happiness and being able to do what you want and enjoy in life. If you work hard at improving your finances now, you’ll be able to manage them forever. And taking control of your money means making work optional, means not worrying about your financial situation, means actually enjoying your money. Imagine yourself in that position for a second… why say no to that?
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stellarstephia · 7 years ago
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7, 12, 22, 23, 37
7. Did they have lots of friends as a child? Did they keep any of their childhood friends into adulthood?
when stephi was four years old, the wilkersons moved house, from their little village just outside dublin into the city. this is when she met ISLA MORIARTY, and they became fast friends, in the way that four year olds do. over the years, it’s more of their shared experiences that formed the foundations of their friendship. the fact that they had lived their lives and their stresses and their traumas TOGETHER created a bond that very few things could break. they are vastly different people on the surface - isla, a wild and almost cruel woman, steph calmer, and focused more on self preservation than self pleasure - but their love and friendship rivals so much, and it’s clear when you see them around each other, or talking about the other, that they adore each other. neither isla nor steph like people knowing they’re capable of adoration. 
at 10, the school steph went to started up a PEN PAL scheme with a town in germany. this is how she began developing her german language skills, but more importantly, it is how she met AVERY RITTER. they grew up in the age of the development of social media; their friendship initially only to the extent of letters ( that steph would write at least weekly, but a lot of the time it ended up being more frequent than that, though she would send everything once a week in one envelope to save on postage ), adapted with the development of myspace, bebo, facebook, skype. texts were expensive and for very special occasions that SIMPLY COULDN’T WAIT, indicating a rare long distance phone call when either one of them got home to the landline. when they’re both 19, steph spends the summer in germany. we’ve skipped over the part where they’re hopelessly in love with each other, which is important. this is the summer steph realises a lot of things, forgets that she and avery share a kiss and represses a lot of feelings she doesn’t believe she’s supposed to, or ALLOWED to have. despite this, and despite many obstacles, including and not limited to her abusive boyfriend, distance and her own damn stubbornness, the two remained closed friends. after her miscarriage and cancelled engagement, she studies in germany. she lives with avery during this time, before she moves to america, and finally their unspoken love comes to the fore, and they deal with it accordingly ( read as: eventual marriage ). avery is endlessly patient with her, and she is endlessly confused by it and him, but thankful.
an honourable mention goes to MONA MARTIN, steph’s cousin, who is more like a sister to her, who has supported her through every hurdle her life has thrown at her, and almost background friend CHUCK CHAMBERS, who is ever present in mona’s life, and thus steph’s. they have all remained close. 
does college count as childhood? at 18, steph goes to university in london, where she meets OAKLEY BLOOM during freshers week. another unlikely friendship, you might think, steph and oakley bond over tequila and terrible partners. stephi’s in america now, but they keep in touch ( thank you internet !! ), and when steph’s back uk side, always makes sure to see her. 
GENERALLY, steph wasn’t the most popular girl at school. glasses to thick and figure too unconventional to keep bullies at bay, sarcasm too biting to keep many people friends with her after too long. but she had her friendship group, she was quiet ( unless with isla, though they went to different high schools ), and kept out of the way of things and people. almost all of her high school friends stayed there: as high school friends. 
12. What is their favourite food?
steph loves food, just in general. food is one of the things she LOVES. so she’s frowning at this question, but her gut takes us to lasagne. specifically, though, vegetarian lasagne, as she stopped eating meat when she was 8 years old. it’s actually the one thing she has made sure she can cook without murdering the kitchen.
22. What are their favourite insults to use? What do they insult people for? Or do they prefer to bitch behind someone’s back?
she tends to use long strings of swearwords that no-one ( except maybe mona, isla or a fellow irishman ) can decipher. she will never bitch about someone behind their back, though she might go to mona or her granny for advice on how to confront a person ( this happens rarely, she confronts quite easily as and when needed ). her insults can be for anything from not owning a kettle ( to make a proper cup of tea ), or for some of the more serious things; lying is a big one, though that is often faced with the SILENT TREATMENT instead of an insult.
23. Do they have a good memory? Short term or long term? Are they good with names? Or faces?
steph’s memory is great, she’s especially good at remembering numbers and facts ( she’s an historian ). when her depression peaks, she isn’t always as good at remembering what she’s doing or what she said a week ago, or even ten minutes ago but her talent for “ useless ” facts never leaves her. 
37. Do they like to read? Are they a fast or slow reader? Do they like poetry? Fictional or non fiction?
steph ABSORBS books. she loves to read, she adores it, and as a kid she would read anything she could get her hands on. as she grew up and learnt her taste, she found that her favourite thing to read is either non-fiction ( about ANYTHING. she’s always thirsty for knowledge of any kind ), and her favourite fiction is fantasy sci-fi types, though she will still literally read any book you give her. she enjoys poetry more than she lets on, but that’s still nothing compared to her love of prose. she reads very fast ( and it’s the only thing she will voluntarily keep her glasses on for ). she can consume any YA novel in a day, and other things may take longer depending on the denseness of prose etc. she always has an opinion on anything she reads, and certain things she will only read once ( the first and most poignant mention here is a song of ice and fire. george can get FUCKED ). 
@opheliajumped / questions.
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