#but i guess its better than getting my services repealed
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alaskan-wallflower · 10 hours ago
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sometimes i forget that people on here don’t know i’m visually impaired/legally blind, or that that’s even a thing with people with albinism (i’m actually like…blind. not in the “oh haha i’m like a bat, i can’t see the board!”, it’s the “i’m never going to be able to get a drivers license unless it’s extremely, extremely limited to daytime and two lane highways only, needs an iep, can’t read less than size 24 font without squinting, reads braille because my eyes get tired, can’t see snow/rainfall, can’t see 3d, can barely see my keyboard” kind of way) so when i try to make a blind joke it doesn’t hit as hard as it does if you know me irl. sigh.
#misc#maybe it’s my sign to stop making an ass out of myself#whatever i don’t believe in signs#i do know braille tho#like it’s not the quirky “lol so blind” thing#i genuinely cannot see#idk how to explain my vision either since i don’t have normal people vision#so it’s hard to compare to smth you’re not accustomed to#i dunno this is a ramble#ok the driving thing is complicated#technically…i can kinda sorta drive#if i wear my contracts AND glasses AND and extra set of glasses with a bionic in it#and i’d have to go through tests to see if even that works—and even then i have to go in front of a driving judge to see if they approve it#and if it got approved then i’d still have to go to “special” drivers ed#and at the end of all of that my license would be limited to daytime and no more than two lane highways#BUT i can’t even try that because if all went according to plan i’d lose my services and iep#so i’d have to wait til after college#which given all of that…it’s not worth it#sure i feel like an idiot riding the bus in my junior year and needing to be picked up from clubs (and i’ll feel worse my senior year)#but i guess its better than getting my services repealed#this turned into a rant#…oops#i’m really insecure abt not being able to drive mb lol#i mean get at least i’ll never have to be designated driver—and the school can’t take my nonexistent license for “low grades”#ignore the tags this is a ramble abt my personal insecurities-—i’ve never ranted abt the visual side effects of albinism 😭#alaska’s irl bullshit
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nimuetheseawitch · 2 years ago
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Share a bit from a fic you’ll never post OR from a scene that was cut from an already posted fic. (If you don’t have either, just share a random fic idea you have that you don’t plan on getting to.)
I recently posted my John Sheppard/John Reese crossover fic, which in its final form is a drabble series. But before it got to that point, I had a few different false starts where I couldn't even get the boys out of the bar, everything was confusing with both possible POV characters named John, I kept getting their voices wrong, and I just didn't like much of what I'd written. So I forced myself to write drabbles until I could figure them out, and I liked the result in the end much better, but I'll share one of those false starts.
All versions of this story center at least a bit around John Sheppard being in NYC soon after the repeal of DADT. The passage is below the cut.
"It's all a bit much, isn't it?"
John was a little surprised the guy had come over to chat with him. He was a little older, but he hadn't been wanting for attention. The gray at his temples just added to the appeal of his tight black t-shirt and jeans. But John had watched the guy turn away several advances, apparently content to drink his beer alone at his corner booth until now. John just raised an eyebrow inquisitively, not sure how much he really wanted to talk.
The guy grinned a little bashfully, "I guess I'm not sure what I was expecting, but it's a bit overwhelming, and you seemed like you might be a little more my speed."
John gave him an assessing look, then motioned for him to join him. The guy slouched into the seat across from him, but John could see the tension in his muscles. It was a practiced and fairly convincing slouch, but this guy wasn't relaxed at all. Combined with the chain peeking out from his shirt and the callouses on the hand around the neck of the beer bottle, John was pretty sure he knew what he was dealing with.
"Let me guess: it's your first time out on the town since the repeal. You on leave? Or are you stationed nearby?"
Talk, dark, and slouchy's eyes narrowed briefly before he relaxed again. "What gave me away?"
"It wasn't your haircut. How do you get away with that?"
And there was the bashful smile again. It was getting kind of cute. He hid his own smile in his drink when the guy touched his hair self-consciously.
"Well, there are some perks to being the CO of a remote posting. Even if it does mean this is the first time I've been able to go out and celebrate the change in the uniform code. 
By the way, my name is John."
John almost laughed at that. "Really?"
"Absolutely. Col. John Sheppard, USAF, at your service. What should I call you? I'd like to think of you as something other than the mysterious stranger."
"Well, not to make things confusing, but my name is John too. Welcome to New York."
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Select L.A. County Races - November 2018
Select L.A. County Races
Broadly speaking: vote for the Democrat. I am not going to give super detailed explanations for a lot of races unless they are warranted. Where they are, I have footnoted them. I live in the East Valley so a lot of what I looked at was Valley related. I also looked into Santa Monica because Measure SM is a big deal.
State Board of Equalization 3: Tony Vazquez
In 2017, the State Board of Equalization was largely stripped of its powers and duties and gutted from 4800 staffer to 400 staffers. Still, it remains a constitutionally mandated agency that administers Property Taxes, Alcoholic Beverage Taxes, and Taxes on Insurers programs. The point of the board is to ensure that taxes are assessed fairly statewide. Yeah, it’s weird. Anyway, the GOP candidate in the race has used his platform to attack the SB60 Gas Tax (more on this later). Forget that. Tony Vazquez is a former Santa Monica mayor and while his platform for the BOE is thin, it’s better than actively destructive.
Los Angeles County Sheriff: Alex Villanueva
I’m not thrilled about either candidate in this race, to be honest. Both have ties to the Los Angeles Sheriff’s Department (LASD) but both pitch themselves as reform candidates who will address years of endemic abuse and corruption within LASD. Neither seems to be up to the job. I’ve heard some people say that Jim McDonnell, the acting sheriff, should be given a chance to put his mark on the department. I have also watched as rank and file have swung to Alex Villanueva as McDonnell has tried to enact reforms. McDonnell has ties to the former sheriff, Lee Baca, who was convicted of obstructing an investigation into jail abuses by the LASD. McDonnell has endorsements from politicians but Villanueva has the support of the local party clubs. It’s really a coin toss for me, but since I’m picking, I guess I’ll go with Villanueva - he’s the slightly more outside candidate for now, and I’ll keep an eye on this for 2022.
Los Angeles County Assessor: Jeffrey Prang
Jeff Prang is endorsed by Kamala Harris and is the incumbent assessor. His opponent is literally listed with the name John “Lower Taxes” Loew on the ballot and couldn’t even get a website together for this election. This is a pretty easy call.
Justice, California State Court of Appeal; Second District
Electing judges is dumb but since we do it, here’s some thoughts. Look: these are all qualified and smart jurists. I base my endorsements here on a mix of reviewing various endorsements with a critical eye to judges who score too high on conservative groups’ questionnaires about judicial philosophy. The L.A. Times endorses “yes” on all these candidates as a show of judicial independence, but I don’t hang with that. Judges make political choices and while I believe we shouldn’t have the power to vote on them, if we do then we might as well use that power to vote for judges who reflect our Democratic values. Certainly the GOP votes for judges that will enact their visions.
Division 1
Helen Bendix: No
Victoria G. Chaney: No
Division 2
Elwood G. Lui: Yes
Victoria Chavez: No
Division 3
Luis A. Lavin: Yes
Hamlin Dhandina: Yes
Anne Egerton: Yes
Division 4
Thomas Willhite: No
Nora Manella: No
Division 5
Lamar W. Baker: Yes
Carl Moor: Yes
Dorothy Kim: Yes
Division 6
Arthur Gilbert: Yes
Martin J. Tangeman: Yes
Division 7
John Segal: Yes
Gail Feuer: Yes
Division 8
Tricia Bigelow: No
Los Angeles Superior Court
Personally, I feel too often we see prosecutors elevated to judgeships, it’s like a pipeline from the DA to the Superior Court. To me, it’s best that a candidate have some sort of judicial experience before they get the post - as a Judge Pro Tem or as a mediator of some kind. All respect to my prosecutor friends out there, but being a judge is a different job. That said, if nobody in the race has that experience - a not uncommon event - it’s worth looking at what else they bring to the table.
Los Angeles Superior Court, Office 4: Veronica Sauceda
Los Angeles Superior Court, Office 16: Patricia “Patti” Hunter  This is the one judicial race that I really want to highlight. Hunter’s opponent - Sydne Michel - has a lot of ties to the gun industry. Her kid and her dog are both named after guns, her husband is an NRA lawyer, and the pro-gun website calguns.net made it clear that voting for her was important to advancing their interests. Vote for Hunter here folks. We don’t need pro-gun voices packing our courts.
Los Angeles Superior Court, Office 60: Holly L. Hancock  I like that Ms. Hancock is a Public Defender - we don’t see enough PDs become judges. 
Los Angeles Superior Court, Office 113: Michael Ribons
California State Senate
SD 18 – Bob Hertzberg  Sen. Hertzberg was officially reprimanded by the California State Senate in March of 2018 for his habit of hugging colleagues and constituents. In accepting the reprimand, Hertzberg stated ”I understand that I cannot control how a hug is received, and that not everyone has the ability to speak up about unwelcome behavior. It is my responsibility to be mindful of this, and to respect the Rules Committee's request to not initiate hugs." SD 20 – Connie Leyva SD 22 – Michael Eng SD 24 – Maria Elena Durazo SD 26 – Ben Allen SD 30 – Holly Mitchell SD 32 – Bob J. Archuleta SD 34 – Tom Umberg
California State Assembly
AD 36 – Steve Fox AD 37 – Monique Limón AD 38 – Christy Smith AD 39 – Luz Rivas AD 41 – Chris Holden AD 43 – Laura Friedman AD 44 – Jacqui Irwin AD 45 – Jesse Gabriel AD 46 – Adrin Nazarian AD 47 – Eloise Reyes AD 48 – Blanca Rubio AD 49 – Ed Chau AD 50 – Richard Bloom AD 51 – Wendy Carrillo AD 52 – Freddie Rodriguez AD 53 – Miguel Santiago AD 54 – Sydney Kamlager AD 55 – Gregg Fritchle AD 56 – Eduardo Garcia AD 57 – Ian Calderon AD 58 – Cristina Garcia AD 59 – Reggie Jones-Sawyer AD 62 – Autumn Burke AD 63 – Anthony Rendon AD 64 – Mike Gipson AD 65 – Sharon Quirk-Silva AD 66 – Al Muratsuchi AD 70 – Patrick O’Donnell
U.S. House of Representatives
CD 23 – Tatiana Matta CD 25 – Katie Hill CD 26 – Julia Brownley CD 27 – Judy Chu CD 28 – Adam Schiff CD 29 – Tony Cardenas Post-2016 I have often wondered what it would take for me to vote to give a seat up to a Republican - is there a figure as odious as Trump in the Democratic party? This is the race that currently comes closest for me. Tony Cardenas - my rep - has been accused of rape and is facing a civil suit from a Jane Doe; he has denied the charge and asked for a House ethics investigation. I’m begrudgingly going to vote for him, but I am hoping he either a) clears his name in the next year, b) steps aside, or c) is faces a legitimate primary because the Dems have to do better than having an accused rapist on the ballot in 2018.  CD 30 – Brad Sherman CD 32 – Grace Napolitano CD 33 – Ted Lieu CD 34 – Jimmy Gomez Kenneth Meija is a longshot Green candidate in this district - I don’t like his take on SB1 and his call to repeal it, but I would imagine a lot of people I respect might disagree with me on him overall.  CD 35 – Norma Torres CD 37 – Karen Bass CD 38 – Linda Sanchez CD 39 – Gil Cisneros CD 40 – Lucille Roybal-Allard CD 43 – Maxine Waters CD 44 – Nanette Barragán CD 47 – Alan Lowenthal
County Measure W: Yes
This is a 2.5¢ per acre parcel tax on impermeable land (i.e. the parts of land that doesn’t absorb water) to raise funds that will be used to fund projects to capture stormwater, clean it, and percolate it into underwater aquifiers. This money would double the amount that the County Flood District (if you’re in L.A. county you’re almost definitely in it, unless you’re north of Palmdale) captures and help us reduce dependence on water from outside sources.
L.A. City Charter Amendment B (Public Bank): Emphatically Yes
This charter amendment would give the city the power to establish a public bank. A public bank is a government owned bank that holds the city’s deposits and can be used to make loans to projects the city supports. North Dakota has a public bank that is extremely profitable and which funds public works projects throughout the state. Additionally, debt service payments and institutional fees can be reduced when the city has its own bank, saving us all in the long run. To be clear: Amendment B would not actually establish a bank - this would take legislative action and involve a lot of detailed analysis and rulemaking. This is just the first step in a long process, but a necessary one.
L.A. City Charter Amendment E (Realign City Election Dates): Yes
This amendment would realign the city’s primary dates to match state primary dates, lowering costs and reducing voter fatigue. We should do this.
LAUSD Charter Amendment EE (Realign LAUSD Election Dates): Yes
This amendment would realign LAUSD’s primary dates to match state primary dates, lowering costs and reducing voter fatigue. We should also do this.
Burbank Measure P (Sales Tax for General Fund): Yes
The city will experience a $20M revenue shortfall, this is a 0.75¢ sales tax to close that gap. Yes, sales taxes are regressive, but until we address Prop 13 its one of the few tools cities have to close budget gaps in California. Vote yes or get ready to see local services cut.  
Burbank Measure QS (Parcel Tax for Schools): Yes
A parcel tax differs from a property tax in that the parcel tax is applied based on a characteristic of the land while a property tax is based on its value. Here, Burbank proposes to tax each piece of improved land at 10¢ per square foot to raise $9M for schools. On a side note, this will require 2/3 of voters to confirm.
Glendale Measure S (Sales Tax for General Fund): Yes
Much like Burbank, Glendale proposes a 0.75¢ sales tax to generate about $30M annually. Vote yes or get ready to see local services cut.
Santa Monica Measure SM (Require Supermajority Council Approval for Floor Area Ratio and Height Limit Changes): NO NO NO NO
This Charter amendment would require 5 of 7 council members to approve any changes to the downtown community plan for ten years. Folks, this is slow growth nonsense. The city charter already requires a majority vote to approve any changes, requiring a supermajority simply makes it more difficult to address any projects that might be slightly out of compliance. Don’t make it harder to build things.
Santa Monica Measure TL (Term Limits for Council Members): No
This would limit any council member to three terms, whether consecutive or not. I just fundamentally disagree with the idea of term limits, and encourage you to vote no on this.
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brianwithanh · 7 years ago
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Hey, friends. This is important to me and my family. Please read it.
It’s SVTFOE hiatus, and you’re like “omg is Brian going to leak something about the new season” and I won’t (or will I?), but I am going to take time out of my day (during which I really need to write the music that brought you all here in the first place) to write about something very important to me. I hope over the years I have gained enough of your respect and trust that you will read this to the end. It’s about health care, but mostly about me and my family and how this bill screws us.
You probably know that the Graham-Cassidy bill is being set up for a vote sometime soon in the Senate (so that they can decide its fate before Sept 30, which is the deadline for them to only need 50 votes to pass it; after Sept 30, they will need 60, which would require bipartisan support). Let’s get it out in the open now: this is an unequivocally a bad bill. The last time the Senate brought forth a bill like this (the “skinny repeal” of the Affordable Care Act / Obamacare), that bill had 12% support from the American public, and the Graham-Cassidy bill is WORSE than the “skinny repeal” bill in many respects. I’ll let Jimmy Kimmel explain, because he’s funnier than I am: 
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K cool. We’re all up to speed. This bill sucks, all the major medical associations that you rely on oppose it, and the creators of the bill do not want you to know its details because they know you will hate it. 
Here’s how this all affects me, personally.
A lot of you know that I had cancer in my 20s. I’ve discussed it openly here. It sucked, it was out of my control and probably written into my DNA and thus unavoidable, and while I am totally in remission now, it is something I think about every day, as I am at higher risk for certain other cancers in the future due to my treatment.
I am also a creative professional, as is my wife. We do not receive insurance from our employers. We are eligible for health insurance through our unions, but we have to log enough official union hours to qualify. THE MUSICIANS UNION DOES NOT INCLUDE COMPOSERS. I can log union hours as an orchestrator or instrumentalist, but only if a show I am working on is a “union show” and I “hire myself” to orchestrate, which is weird. I have never composed for a union show. Some of us composers never will. (There are very few union shows. That’s a whole other issue.) Basically, it is almost a certainty that I will never qualify for health insurance on my own.
My wife, on the other hand, is part of the Writers’ Guild of America (WGA), and whenever she works on a show (she’s on The Flash, Tuesdays this fall on the CW!), it is highly likely that she will qualify for insurance. Very good insurance. But, she is under the same constraints as me, in that she must earn a certain amount of money in a year to qualify. If she works on a short gig, or if she goes on maternity leave and misses a TV season, then we will not qualify for union insurance and will have to purchase it out-of-pocket.
Okay, here’s where the Graham-Cassidy bill royally screws us over. Check out this map from the The Washington Post (or go here and then come back).
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See California way over there to the left? We could lose $78 BILLION in funding if this bill passes. That is almost double the state that would lose the second most (New York). This funding is used to stabilize the health insurance market. It’s very complicated to explain why, so I won’t try to do that here because I’d probably get it wrong anyway. If you’re curious, Google (and time – health insurance is super convoluted) is your friend.
What will that loss of funding do? NO ONE FUCKING KNOWS. IT’S SO MUCH. UC Berkeley kind of guessed, hypothesizing that 6.7 million people would lose their insurance. Or that essential services would be cut. And that kids, or people with disabilities, or senior citizens would suffer the brunt. 
(Difficult to spot SVTFOE S3 spoiler, not located at the end of this post because I know some of you might just scroll to the end: I scored an entire episode for season 3 primarily with nylon Latin guitar, to reflect a specific character who is the focus of the episode. It doesn’t sound like any other episode to date.)
The Graham-Cassidy bill allows states to decide whether to let insurance providers charge more for people with preexisting conditions. How much more? Well take a look at this chart.
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Hey look, there’s “other cancers” on the third line and there’s that absurd surcharge of $73,000. And oh look there’s fucking PREGNANCY (successful, perfectly healthy pregnancy, like my wife had), and there’s a rise in cost of $17,000. That’s an additional $90,000. Great. Would California eliminate pre-existing condition protections? I mean, probably not, we’re super progressive. BUT WHO KNOWS, WE MIGHT LOSE $78 BILLION IN FUNDING.
So what’s the better alternative? There’s enough discontent about Obamacare that, yes, the bill should be reviewed and strengthened. BUT. This should be done with MEMBERS OF BOTH PARTIES (and they’re trying right now, but the GOP is like nah, let’s pass this shitty bill instead because we hate Obama hardcore). If Graham-Cassidy fails, then the Senate will HAVE TO create a bipartisan solution, because they will need 60 votes to pass it.
Listen, I didn’t ask to get cancer. I have never smoked, I have maybe like 4 drinks a year. I exercise multiple times a week. Our home is vegetarian. I did everything right, and I still got sick. When Obamacare passed, I sighed a huge sigh of relief, because I was protected from being gutted by insurance companies (which are profit-based). Now? Now I’m pretty fucking stressed. If my wife and I aren’t working, it means we aren’t making any money, and this is exactly the situation in which the Graham-Cassidy bill would expect us to pay MORE money for health insurance. How does that make any sense?
What can you do? Call 202-224-3121. Tell them this bill sucks. ESPECIALLY CALL if you live in Arizona or Alaska or West Virginia or Maine. Your senators will most likely be the deciding votes. But everyone call. It only takes a few minutes but can protect millions of Americans like me.
Thanks for reading.
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coloringmysensescherryred · 7 years ago
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2017
1. What did you do in 2017 that you’d never done before? I went to Japan, graduated college, started teaching English in South Korea, and dated a Korean guy - a year full of traveling and adventures! 
2. Did you keep your new year’s resolutions, and will you make more for next year? Last year I had two resolutions - eat better so I didn’t feel like I was gonna shit myself so often, and to stop looking for love and let it find me. TBH I followed them both - shoutout to Korea for helping me with them! Korea’s food is just much better on my internal pipes in terms of health, and the boyfriend thing kinda just happened. I’m more proud of myself for ending it when I wasn’t happy but I wasn’t forcing any sort of relationship, it happened organically; so I’m pleased that I stuck to my guns.
3. Did anyone close to you give birth? Nope! Most of my friends aren’t even married yet! (Not that you can’t have a baby without being married but ya know.)
4. Did anyone close to you die? No, thank god.  
5. What countries did you visit? Japan and Korea! 
6. What would you like to have in 2018 that you lacked in 2017? I would like to have more confidence to straight-up tell people when they are doing things that make me mad or irritate me or that I don’t like. That is my new years resolution this year. 
7. What dates from 2017 will remain etched upon your memory, and why? March 23rd - the day I got my email saying I got into Fulbright! and June 7th - the day I left for Korea for a full year. 
8. What was your biggest achievement of the year? Fucking picking up my entire life and moving to Korea on my own. Like I have so many friends here in my program, but I was basically coming alone because I knew that I would be separate from them when we went to our placements after six weeks. 
9. What was your biggest failure? I don’t know, I felt like I succeeded in all the ways that mattered? I guess my biggest “failure” was confessing my feelings to my crush and him having to let me down because he had just gotten out of a serious relationship and wasn’t ready (altho I think he did like me tbh). So all things considered, that is a pretty good track record for an important year. 
10. Did you suffer illness or injury? Nope! 
11. What was the best thing you bought? Netflix?? I had had it for like six months before Korea buutttt it has been a fucking lifesaver for me abroad. It’s a way to hear English from native mouths when I live in a homestay and don’t get to speak English with native speakers that often. It’s also great to do on traveling (like on trains and buses). Bless up to a great monthly investment. 
12. Whose behavior merited celebration? BURG, aka @officialff7remake. Homeboy was there for me when I was freaking out about MP or thesis or boys and just to pal around and drink with. The tightest of homies and I can’t thank him enough. <3 
13. Whose behavior made you appalled? I guess my Korean ex, Huijae? He literally had never dated ANYONE before me, Korean or otherwise, and he while he meant well, he had no emotional intelligence and really did things that bugged me and patronized me and was trying to be manipulative? and I didn’t need that shit? So I got out of that relationship after holding back my own feelings for too long and I’m so much happier and I don’t really talk to him anymore (he has texted a few times after we broke up to ask if he could come visit my host family because he “missed them” *eye roll* but i haven’t let him and he goes off to military service in like two weeks so I think i’m in the clear). 
14. Where did most of your money go? FOOD. I literally just buy food in Korea. Oh, and train tickets to go to Seoul or wherever. 
15. What did you get really, really, really excited about? IT by Stephen King. I was fucking so hyped about it and luckily its release date in Korea was the same as in America so I saw it the night it came out! Also, obvi Fulbright and teaching in Korea. :) 
16. What song will always remind you of 2017? 빨간맛 by Red Velvet and DNA by BTS! Two songs that I have heard OVER AND OVER in korea and I still love them. 
17. Compared to this time last year, are you: a) happier or sadder? b) thinner or fatter? c) richer or poorer? I’m a. happier (or about the same - I was done with first sem and my thesis and had gone to Japan so I was probs p happy back then too), b. thinner! (I have lost like 10 or 12 lbs in Korea - wasn’t trying to but the food is just less fattening I think, and I walk more and go to an aerobics class like 3 or 4 times a week!), and c. richer! I’m not rich rich by any means but I have more money from fulbright than I was making as a waitress. :) 
18. What do you wish you’d done more of? Idk - I did really what I wanted second sem of school, like hanging with MP and drinking and having spontaneous fun, and saw all the people I wanted to before I left for Korea, but I guess I wish I had done more solo trips in Korea? I want to do more before second sem starts too, and I want to visit my friends in their respective cities more because I didn’t get to do that so much in the fall because of my stupid fucking ex always coming to my town and taking up every literal weekend. I wish I was joking about that but it was bad. 
19. What do you wish you’d done less of? Spend less time napping! I like naps but then I feel like i miss out on things, as well as have trouble falling asleep at decent times on school nights. Also, I wish I had spent less time being miserable about my relationship and ended it earlier. I gotta put myself the fuck first this year. 
20. How did you spend Christmas? I spent an early Christmas on the 23rd with 6 Fulbright friends in Gwangju, and ended up getting drunk and dancing at the airbnb with all the other tenants for the night! It was really fun. I then spent actual Christmas eve and day at a hotel with my host fam and close family friends, just seeing the ocean (in the freezing cold) and eating seafood stew. I was glad to be with them but I missed home SO fucking much during that time. I did Skype my fam on Christmas eve morning so I saw them a little! 
21. Did you fall in love in 2017? I don't know if I can call it love, but I had a serious crush that was more than just infatuation with a guy in my last sem of college. I didn’t know what I wanted because I was leaving America and he was still a sophomore but I just knew that I could see us together, and it didn’t work out but I still have hope for the future. And with my Korean ex, it wasn’t love at all but I did like him so there’s that? 
22. What was your favorite TV program? In terms of things that I watched in 2017 that I really liked? Breaking Bad, Dark, Stranger Things season 2, and Rupaul’s Drag Race!
23. Do you hate anyone now that you didn’t hate this time last year? My ex? Yeah, it’s petty, but whenever I talk about him or see his picture I get mad. I guess that only half counts on this bc I didn’t know him this time last year? But I don’t hate anyone else. 
24. What was the best book you read? It by Stephen King. That thing is a fucking masterpiece. 
25. What was your greatest musical discovery? Sam Smith, biiiiitch. His newest album is all amazing and I slept on him for too long! Like I knew he was good but this new album is amazing.
26. What did you want and get? I wanted Fulbright and I got it! 
27. What did you want and not get? I wanted to be with aforementioned crush but it was bad timing. Win some, lose some, live & learn. 
28. What was your favorite film of this year? I CAN’T CHOOSE
29. What one thing made your year immeasurably more satisfying? Going through second sem of senior year knowing I had a job after graduation? 
30. How would you describe your personal fashion concept in 2017? it has changed a little since coming to Korea in order to try and not stand out so much? I have switched to more solid color tops rather than lots of prints, and I dress more demurely? Like less cleavage showing because that’s how koreans do (not that I am against it, but I’m just tryna fit in). 
31. What kept you sane? Sydney, my best friend in the entire world. (This was my answer from last year and the year before that and the year before that AND THE YEAR BEFORE THAT but it still holds true) also everyone in the sv discord chat still AND natalie of course of course
32. Which celebrity/public figure did you fancy the most? All the drag queens from Drag Race but especially Trixie & Katya? Ummm also BTS but what is new. ;) 
33. What political issue stirred you the most? everything trump and his administration do and the net neutrality repeal. :( 
34. Who did you miss? I miss my dogs and my mom and my sister and Brian and Cannon and grammy and my MP friends. <3 Being in Korea away from them has been really hard sometimes.  35. Tell us a valuable life lesson you learned in 2017. If you really want something, strive for it. Keep your expectations low, but believe in yourself and what you are capable of shining through and getting you what you really want. <3 
36. Quote a song lyric that sums up your year. “don’t you get lost in nostalgia, no” - Lost in Nostalgia, The Maine
“take me with you / cause even on your own, you are not alone” - Portugal, Walk the Moon
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itoldyousoucnow · 7 years ago
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We Are Building A Dystopia Just to Make People Click On Ads via @tedtalks
You can watch this video and then read this article it will help you put things in perspective on the Industry as whole views you and me.   When I read this article: The End of Net Neutrality Could be Good for Marketers -- And Bad for Almost Everyone Else By   Shelly Palmer. Published on November 22, 2017 via @adage, I could not help myself but to think WHAT A FUCKING CUNT!!!!
http://adage.com/article/opinion/end-net-neutrality-good-advertisers/311399/?utm_campaign=SocialFlow&utm_source=Twitter&u
As I am contemplating the idea of starting my own business, which will required me to get an investment from either an Angel Investor or a Venture Capitalist and the way I am planning to structure my business model revenue is based on sponsors and advertisers, this article tone just made me so angry.  To think that I will have to compromise my ethos, principals and values to kiss company’s ass just to have a business while they fuck everyone else over is a none starter for me. I guess I am going to have to have to reconsider my business model, I am not going to kiss any company’s ass for money. I am only willing to work with companies and celebrate what they do only when they prove their commitment to Social Good and real efforts to help those to whom they serve: their customers.  I am not going to be blogging wonderful things about a company who’s glossy beautiful ads promise one thing who behind the curtain is just is destroying everything I have been advocating for.  I am sure not everyone in the industry thinks like fucking Shelly Palmer, but man I will love to see a hashtag #HasShellyPalmerLandedYet. 
This is the summary and the main reasons why I started a blog.  This is why people have been making my life a living fucking hell, because they did not want the truth to come and in an article simply written like this one:   
The End of Net Neutrality Could be Good for Marketers -- And Bad for Almost Everyone Else By   Shelly Palmer. Published on November 22, 2017 via @adage
Yesterday the Federal Communications Commission released its final draft the exceptionally misleadingly titled "Restoring Internet Freedom" order. The FCC announced a December 14 vote on the order, which would do the opposite of restoring anything resembling freedom. The federal agency wants to vote to repeal the current net neutrality rules which were enacted to ensure that Americans would have equal access to the internet.
If you're reading this, chances are you're already interested in the topic. Still, some quick background:
Renamed "Open Internet" a while back, net neutrality provided a regulatory framework that specifically prohibited:
Blocking: Broadband providers may not block access to lawful content, applications, services or non-harmful devices.
Throttling: Broadband providers may not deliberately target some lawful internet traffic to be delivered to users more slowly than other traffic.
Paid prioritization: Broadband providers may not favor some internet traffic in exchange for consideration of any kind. Internet service providers are also banned from prioritizing content and services of their affiliates.
In its place the FCC is proposing to "Restore Internet Freedom" as follows:
Reinstate the "information service" classification of broadband internet access service first established on a bipartisan basis during the Clinton Administration.
Restore the determination that mobile broadband is not a "commercial mobile service" subject to heavy-handed regulation.
Restore the authority of the nation's most experienced cop on the privacy beat – the Federal Trade Commission – to police the privacy practices of ISPs.
What it means for agencies, advertisers and marketers We'll get to the winners and losers below -- and there will be plenty of each -- but as something of a silver lining, this regulatory shift would open up a wide-range of opportunities for agencies, advertisers and marketers. This could be a perfect opportunity to pair programmatic creative with programmatic media buying. There will be hundreds of different rate plans targeted at specific cohorts. There will also be opportunities to create new consumer and brand experiences that include "unlimited" bandwidth or "free" bandwidth offers.
The restoration of this version of "internet freedom" will change the media distribution landscape dramatically. It will be the perfect place for new creative ad units and offers. Think about how your brand can be positioned as a trusted, needed, content companion. It's an unintended consequence, but the FCC is about to give a lot of smart marketers an opportunity to shine.
About those winners and losers, though: this is where the silver lining begins to tarnish.
Winners Big internet service providers and wireless carriers such as Comcast, Verizon, AT&T, etc., come out on top. The bigger you are, the happier this makes you. These organizations will be able to craft any kind of data packages that the market will bear. They will be able to throttle bandwidth, lie about unlimited plans, favor big payer or affiliate partner traffic over competitive traffic. (Imagine Comcast favoring Xfinity over Netflix or throttling down your bandwidth if you were watching Star Trek: Discovery on CBS All Access.) Pricing will not be market driven; most ISPs are de facto monopolies in their specific territories.
Alcatel-Lucent, Broadcom, Cisco, Corning, Ericsson, IBM, Intel, Nokia Solutions and Networks, Panasonic Corporation of North America, Qualcomm and 50-plus other tech companies who signed the original letter against Title II (which the FCC is planning to repeal as well) also come out on top. As do lawyers, especially attorneys for… well, just about everybody involved.
Losers Netflix and every other content provider. The goal of net neutrality was to ensure that Comcast did not favor delivery of its own content over competitive content such as Netflix. Or Amazon. Or Hulu. Content providers who do not own their own distribution are now at serious risk.
The list of losers is long: Dropbox, Ebay, Facebook, Google, LinkedIn, Microsoft, Reddit, Tumblr, Twitter, Vonage Holdings Corp., Yahoo! Inc. and about 150 other companies that signed this letter in favor of net neutrality are among them. Less friction for consumers means better business for big tech. Although, it will be interesting to see whether or not big tech likes this particular recipe for restoring internet freedom. They may.
Small businesses and start-ups. If you can't afford high-speed bandwidth, too bad. If your start-up uses lots of data, or its new augmented reality app requires consumers to have access to enough bandwidth to use it, too bad. If fill-in-the-blank needs equal access to the internet, too bad. If your online service competes with an online service that the big telecoms or ISPs favor, too bad.
You. If you're a normal person and you want access to the internet, get ready for all kinds of airline industry-style charges. You'll either accept a slower connection or pay extra for going over a threshold on your unlimited data plan. In practice, you're likely to get amazing speed and service for video content you don't care about and terrible service while trying to use the things you really want. The solution … pay more.
A few closing thoughts I am not advocating for any specific type of government involvement with the internet. I think government has proven that it has no business being in any business. But I believe we should govern America for the best possible GDP (as opposed to governing to enrich a big few big corporations). Al Gore may not have invented the internet, but his metaphor about it being an information super-highway was pretty good. Imagine an America where a private company could close the left-lane of I-95 between NY and Hartford because they didn't have the money to maintain it, or worse, wanted to use it for themselves and their friends. How would that affect commerce on the I-95 corridor?
Our world is digital – all digital. To make the most of it, my delivery truck and your delivery truck should have equal access to the same highway system and connecting roads. Just like we do in the physical world. Lastly, this is a huge topic that will impact every person in the United States. It's worth some of your time to go a bit deeper and to decide for yourself how the "Restoring Internet Freedom" act is going to change your life – because it absolutely will.
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newagesispage · 8 years ago
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                                                                    JULY         2017
 *****Kathy Griffin lost her CNN NY gig over her Scary Clown 45 severed head gag. Word is that Anderson Cooper wants to replace her with Andy Cohen. Last I heard, he had not talked to her directly either. Jim Carrey wonders about all that The President says and he still has his job.  He commented that he has a dream about golfing with Trump and just holding that club and then he wakes up.
*****Chance the Rapper and a few others are calling for Bill Maher to be fired after his comment about working the fields.
*****A federal court upheld a ruling that could free Brendan Dassey. The court said the investigators led the confession and Dassey’s story was involuntary. Wisconsin has 90 days to retry.
*****Better call Saul had its season finale and OMG!! If Michael McKean does not get an Emmy, the world is just wrong!!  Actually the show and the whole cast is amazing but come on!!
*****Elon Musk , David Rank and others have resigned from the Trump administration after America was taken out of the Paris climate agreement. The deal took years of negotiation and compromise and clean energy is the economics of the future. Scary Clown said that he represents Pittsburgh, not Paris and seems to see the agreement as a threat to his isolation America first ideas.  The mayor of Pittsburgh tells us, “What Trump did was not only bad for the economy but also weakened America in the world.” It will take 4 years before the U.S. can actually quit the deal. Luckily, so many companies in this country are so against Trump that we’ll probably hit our goals anyway.** The mayors of Paris and Pittsburgh have since made their own climate deal.** Others have resigned over the lack of interest the Trump administration is showing AIDS.
*****The Eagles will use Vince Gill and Glenn Frey’s son, Deacon for some NY and LA shows.
*****Word is that the American Idol reboot wanted Randy Jackson for the host gig but he turned it down.
*****Wal Mart insurer, Ohio Casualty is in a dispute against Tracy Morgan who refuses to testify. The company claims he exaggerated his injuries after being hit by the Wal Mart truck. Morgan’s camp say that the 90 million they claim to have paid him is the exaggeration.
*****Do you notice all the home security ads on the ID channel?  I guess the true crime scares you into getting more protection.
***** After many of Trump’s minions have tried to convince us that what they have done is not a travel ban, the man himself says it is. They originally claimed that this would only be for 90 days and they would have new things in place and it has been over 90 days. The President tells us that they are extreme vetting anyway so why does he want to take this to the Supreme Court?**The supreme court is letting them do it now!!** His rabid supporters  and GOP cohorts are just enablers at this point.
*****The Cosby trial ended in a mistrial. I was at the Red Cross the other day and some employees were watching a news report about the trial. The pig of a man in the group piped when they put up a shot of Cosby’s accuser. “Ooh, she is not a pretty woman. I’d have to drug MYSELF to do her,” he laughed.** Cosby is now going to do a town hall type tour.
*****Anne Rice says that she has been blocked from trump’s twitter site.
*****Trump lawyer, Jay Sekulow is so blatant about using donations from his Christian non profit to fund his personal life. Please read the article in the Guardian because the history of this is so far reaching that I can’t even go into it all here. Perhaps these givers don’t care and want to support this guy but they should know where there money is going.
*****The buzz about American crime story is starting even though it won’t be out until 2018. Next up is a look at Versace then hurricane Katrina and the Lewinsky scandal.
*****George and Amal had twins, Alex and Ella.
*****Megyn Kelly didn’t do much hard hitting on her Putin interview. She sure seems to like interviewing the hate mongers.
*****Alice Cooper is coming out with a new album.
*****Jay-Z is upset with the Prince estate.  He is quoted as saying, “This guy had ‘slave’ on his face. You think he wanted the masters with his masters?”
*****Elvis Costello is working on a Broadway musical about A Face in the crowd. Hooray! He is also heading out on tour.
*****Forbes is doing its part to expose the Trump’s. They did an in depth story about how Eric Trump’s  charity money for kids with cancer was funneled back into the business. There is now an investigation into this claim.
*****Thank you Chicago for the 10 story mural by Eduardo Kobra. The Muddy Waters mural was unveiled on June 8 at 17 N. State Street for the Chicago blues fest.  The Muddy Waters legacy gave a free concert.
*****The HBO doc,’ If you’re not in the obit, eat breakfast’ is so inspirational and adorable. Dick Van Dyke is still a sexy beast and who knew that Carl Reiner’s oldest friend is an army buddy known as the greatest harmonica player.
*****Reality Winner has been charged with leaking classified info.
*****The infrastructure plan that Trump told us was” largely complete”, isn’t done at all. He now signed a proposal that is not binding so it means nothing. WTF are they doing?
*****Days alert:  Oh, I was so hoping that they would find Tony Dimera on that Island, even though Anna carries around his ashes. It is a soap, everybody comes back. Speaking of that, Chandler Massey, who played the first ‘out’ Will Horton, is returning in September. Rory’s back!!** Where is Paul’s Mom since he is fighting for his life? ** So.. Chloe gives up the baby to Nicole and the court takes it away. Maggie is allowed to see the baby, why wouldn’t she just try to get custody of her grandson and Holly would still be in the house?? ** Thank goodness we are seeing more of Andre!
*****Chris Rock was on the cover of Rolling Stone and is on tour to make money after his divorce. He “jokes” that he had multiple affairs. Many claim that the famous affair he mentioned was with Kerry Washington.
*****The President wants to give 110 billion to Saudi Arabia for weapons.
*****Chris Wray has been nominated for FBI director.
*****Beyonce and Jay Z had twins.
*****Paul McCartney got the companion of honour in the UK.
*****Thank you CBS all access for topping off your latest ad with Matthew Gray Gubler! YES!!
*****Panama is breaking ties with Taiwan and shifting allegiance to China.
*****The director of health and human services in Michigan, Nick Lyon has been charged with involuntary manslaughter over the contaminated water.
*****Congrads to Jill Brummel and Keith and baby Wagner!
*****Check out Blood Orange for some great tunes!!
*****Woodstock has joined the National register of historic places.
*****Intel chiefs like Dan Coates refused to answer questions from their oversight committee in the probe. Rogers, Rubenstein and McCabe all seem to have trouble talking. This cover up is so much worse than Watergate. Former US director of National intelligence, James Clapper says, “Watergate pales, really, in my view, compared to what we’re confronting.”** The opening statement of James Comey was released the day before his big day. He confirms that Trump wanted him to drop the Flynn stuff and talked about the cloud of the Russian stuff. He transcribed the conversations with the President as soon as they were over.**Ya know, I was mad at Comey for the Hillary crap that he now tells us went public because he did not like the Bill Clinton and Loretta Lynch meeting. Most that have worked with him seem to call him an honorable man. I was trying to believe he would do the right thing in the Trump administration investigations. After he was fired, Trump mentioned he may have tapes and Comey had a friend release his version even though some say the leaks were first. The Trump tweet was May 12 and the first news of leaks were May 16. Now, I still try to believe that Comey is an honest man but he sometimes acts like a child (someone does something so he immediately seems to say, ok, well take that!!). But we have to notice that Scary Clown’s stories always change, Comey’s does not. As far as who called who, there must be records.**As Comey was testifying, the house repealed Dodd Frank. C’mon Press, let’s get ALL the news out there!** BTW, there are no tapes, that was just more scary clown BS.** It seems that 38% of this country is trying to run the show and those 38% don’t give a shit about the rest of us.
*****Investigators have found a direct link that puts Putin at the center of the election disruption. The plan was to help Trump and hurt Hillary. Word is that the Obama administration did not take action because they thought Putin might escalate his cyber meddling. John Kerry tried hard to get some action but the White house thought they would be accused of trying to sway things for Hillary. It’s sad but true because the Trump camp would have went nuts. The instability and doubt may have changed this country forever. It seems many do not care as long as they have their guy in power now. **Power outages in the Ukraine have also been linked to Russia. It looks like they are now gunning for us. The centralized system in the Ukraine is not as hard to set right as ours would be. Our power system is more complicated and would be harder to tamper with but also harder to straighten out. Russia appears to have an adaptable and reusable software.** Fox’s Brit Hume says that even if the Trump campaign did collude with Russia, “it’s not a crime.” They all say ‘America first’ but I am beginning to think they would all be happier in Russia.** Over 2000 pages of financial documents have been turned over to the investigation.
*****And WTF is up with John McCain? He was like a dog with a bone about bringing up the Hillary stuff again. And he does not seem to like women asking questions because he keeps interrupting. It is time to retire.** Did  you see Sen. Martin Heinrich??
*****Rep. Al Green of Texas and Brad Sherman of California are drafting articles of impeachment because Trump obstructed justice when he fired Comey. Just as this is in the works, Melania and Baron finally move into the White house.** Pence and even Trumps lawyer have hired attorneys.**After 8 years of class and pride, this country sure has taken a big step into the gutter.
*****The Generals seem to have their problems with the new President. A quote from Trump says,” The Lieutenants, the captain, their majors, the colonels- they’re professionals. They love doing it. So I authorized the generals to do the fighting.” I thought he said he knew more than them but now he gives no direction so his hands don’t get dirty. He has no strategy and there are so many vacant positions that there are not enough experts to go around. Using U.S. money to follow his family around while they make business deals instead of the government being properly staffed does not seem very safe for the rest of us.
*****Did ya’ll see those relaxed pics of Obama and Trudeau and their wine in Montreal? Wow.. It all seems so wonderfully normal.
*****Turkey has banned Wikipedia, calling it a national security threat.
*****Kevin Spacey did a great job hosting the Tony’s. His opening number included Whoopi and Stephen Colbert.  Spacey later did his Carson and said “admit it, you missed me”. I suddenly felt so sad because I realized I really do miss him. Richard Thomas and Danny Devito were both nominated for The Little Foxes but both lost to Michael Aronov. Foxes did get a win for Jane Greenwood for costume design and featured actress, Cynthia Nixon. Nixon gave a fabulous speech about the people of this nation that do not take what is happening in Washington lying down. James Earl Jones won the lifetime achievement but only got a snippet of time on air. Laurie Metcalf won for leading actress in a play for A Doll’s house part 2. Bette Midler looked great and won but would not shut up.** Best Dressed was Sarah Paulson and worst was Carolyn Murphy.
*****Patricia Krenwinkel was denied parole again.
*****Oliver Stone interviewed Putin over 20 hours in 4 visits. Putin drove him around and seemed to convince Stone that he is a pretty great guy. He seemed to take Putin’s word about meddling in the election. Some say it is a love letter to Putin and I see shades of Barbara Walters and Fidel Castro.
*****There was some voter fraud in Alton, Il. An 88 year old election judge pleaded guilty to voting for Trump for her dead husband. She claims he would have wanted her to.
*****Summer Camp 2017 in Chillicothe, Il. had some great artists this year with Claypool Lennon delirium, the Wood brothers and Gov’t. Mule. A few people were taken away after the sudden storm but other than that fun was had by all.
*****Phil Collins had to postpone a London gig after a fall.
*****Dick Gregory is out again making appearances and I wanna go!!!!!!!!!!!!!!!!!!!!!!!
*****Theresa May misjudged her public when she called for an election in the UK. Her conservative party has lost some of its power.
*****The UK has acquired Feud: Bette and Joan to play later this year.
*****OMG: TLC SYTTD UK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
*****John Oliver is being sued by a great friend of Trump’s, Robert Murray. Murray, the CEO of Murray energy warned him not to do a story on him but he did it anyway. Go John!! Look it up, it’s a story worth seeing.
*****Diedrick Bader just gets hotter
*****The Downton Abbey movie will start production in 2018!
*****An inconvenient sequel, which is out July 28, has added a bit after Trump pulled out of the Paris climate accord.
*****Ivanka is being ordered to give a deposition in a lawsuit about copying a shoe design. The Italian company that sued is Aquazzura but she claims that she had nothing to do with any of it. Her claim is that she can’t give the deposition because it would be a distraction from her WH duties. Her Fox and friends interview sound bite was :”I try to stay out of politics.”
*****Leslie Jones hosted the BET awards and earned good reviews but she later tweeted about the hotel she stayed in. She suggested that people not stay at the Ritz Carlton because, “they don’t like black people.”
*****Farm Aid is being held in Burgettstown, Pa. with Willie, John Mellencamp, Neil Young and the Avett Brothers among others.
*****Fox news will no longer use the line, “fair and balanced.”
*****Daniel Day Lewis has retired from acting.
*****Tony Bennett is given the Library of congress Gershwin prize.
*****Judd Apatow is making a doc bout Garry Shandling. Can’t wait!!
***** Sean Spicer is interviewing his own replacement including Fox news and Daily mail employees.
*****The U.S. spent 28 mil on uniforms for the Afghan military. They were not field tested and did not work out. An official wanted a specific lush forest motif while most of the landscape is desert. WTF?
*****O.J. is up for parole.
*****The secret health care bill came out and many protested at Mitch Mcconnell’s office. Police were sent in to drag them out, wheelchairs and all. It seems we have not been this divided since the civil war. What is more important than health care for all, than equality? Is a wall more important? Are tax cuts for the rich more important?  In the end, the haters always lose but not without hurting so many along the way. It always comes down to equality. It is always about some trying to keep down others and that is never right. It always has to lose in the end. ** The vote has now been delayed. **Good old Mitch who was given treatment for his polio, as a child, because of the kindness of the March of Dimes now refuses to talk to them. They disagree with the health care plan.**More health care insurance providers are bowing out of coverage. The companies blame the uncertainty of Washington. This is just another reason to blame Obama for the senate and house’s own doing. Keep things in chaos and blame the other guy while the rest of the country suffers. ** The Pres now says that the ACA should just be repealed, new plan or not.
*****It is being reported that the CIA health professionals did not just torture detainees during the Bush administration, they performed experiments.. This is like right out of the Nazi playbook.
***** We don’t hear enough about men who are straight and mostly dress masculine but like a little makeup. I find that adorable and they need to be represented
*****Wow!! The NY senate after a decade, still did not vote on the child victims act. The Catholic Church and the Boy scouts lobby so hard because they think it will bankrupt them. The bill would let survivors bring civil cases until they are 50 years old, felonies until 28, and give a 1 year window for both public and private institutions instead of 90 days. Republican majority leader John Flanagan will not even put it up for a vote.
*****Illinois has its fair share of problems right now with the budget crisis, Chicago and Peoria shootings and the Belleville shooter, James T. Hodgkinson.
*****Why do the View and the Tonight show play all these stupid games with their guests? Does the audience enjoy this? It is often so awkward.
*****Jess Session says that Trump has not been in a single briefing about North Korea. I am sure the new South Korean president is reassured by that as he came for a visit. The shuffling of reporters and questions about the idiot in chiefs twitter made him feel welcome too.
*****And now the airwaves explode with the latest scary clown 45 twitter directed at the Morning Joe team. Why do we have to talk endlessly about this crap every time the baby has a tantrum? Unless we find some real evidence or this impeachment march does some real good, we better get used to the fact that our President has no fucking class!
*****Neil Young is reminding us to stand up for what we believe and resist this 4th with a new video.
*****The Presidents team is trying to get personal info on voters like social security numbers and voting history which could lead to voter intimidation.
*****The Frye fest head Billy McFarland has been arrested for wire fraud.
*****Adele has cancelled the rest of her tour because of damage to her vocal chords. It is especially sad for she has hinted that this could be her last tour.
***** If you haven’t seen the 2014 doc ‘ Starring Adam West’, check it out. The Kickstarter film is so honest and a great tribute to a man who will be missed.  He also has some hot sons!!
*****R.I.P. Zbigniew Brzezinski, Manuel Noriega, Jimmy Piersall, Roger Smith, Peter Sallis, Modd Deep, Stephen Furst, Rosalie Sorrels, Glenne Headly, Simone Veil, Adam West and Anita Pallenberg.
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jerumebrunneng · 8 years ago
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As you may be aware, there's a movement out there which is dedicated to, among other things, forcing women to become and/or remain pregnant against their will. It may sound like the sort of bizarre fringe group that's only relevant in places like Iran or Saudi Arabia or Uganda and which civilized countries make a point of keeping on their toes with the occasional drone strike. Sadly, this is not so. In fact, this group controls legislators in first-world nations such as the United Kingdom, Canada, and above all, The United States of America.
Members of this movement call themselves "pro-life". There's a long, long list of reasons why that name is completely, laughably, tragically inappropriate, which I won't be getting into today. What’s important right now is that this blatant contradiction had led many people to refer to this movement as "pro-birth" instead of their preferred moniker.
While I appreciate my colleagues’ irreverence, I cannot in good conscience join them in using that term. And here's why.
Let's imagine that this movement was motivated by a more or less sincere philosophy of Natalism (which is, after all, just the fancy word for "Pro-Birth"), and that all that pesky "depriving women of their fundamental human rights" business was just an unpleasant side effect of this core belief, rather than a primary goal. Natalism is a pretty scary philosophy on its own, and it would have a lot of very scary consequences, a few of which do line up with the anti-choice platform. At the very least, it's much better at predicting their behaviour than the "they sincerely believe that abortion is murder" theory.
But there's one issue that would be a no-brainer, one issue on which an essentially Natalist movement would do the right thing, if only for the wrong reason. Specifically, it would provide an enormous level of support towards pregnant women, to help them do the one thing (or so they believe) that women are good at, which is pumping out a continuous stream of babies.
Now, of course, these "pro-life" people don't spend all their time advocating for the death penalty or trying to murder doctors and their children. A lot of their hatred is directed at a relatively small organization known as Planned Parenthood, and attempts to criminalize it, or at the very least, to stop the government from giving it any money.
It's time for a little guessing game. Each year, how many taxpayer dollars do you think Planned Parenthood spends to provide abortions? A million? A hundred million? A billion? A billion and one? From all those protest signs covered in poorly-photoshopped pictures of "dead babies”, it has to be a lot, right? Go on, take a wild guess.
Now take the number you were thinking of, and multiply it by zero.
The number you have now is what they actually spend. Federal Legislation already requires that no taxpayer money can be used to fund them (instead, the tiny fraction of PP's budget that goes towards providing pregnancy termination services comes entirely from donations and other sources). So where does that all that Federal money actually go?
It goes towards providing education, especially in districts where the schools' idea of "Sex Ed" begins and ends at the Stork. This lowers the rate of unwanted pregnancies, and therefore lower the rate of abortions. It goes towards making contraception more available. This  prevents the spread of STDs, and helps people deal with a laundry list of hormonal issues. This also lowers the rate of unwanted pregnancies, and therefore the rate of abortions. It goes towards providing crucial medical tests, which allows doctors to diagnose and treat conditions that might otherwise require a pregnancy to be terminated, which, guess what, lowers the rate of abortions. Name a service that actually helps lower abortion rates (rather than just increase abortion fatality rates), and it's a pretty safe bet that Planned Parenthood provides it.
Of course, even if no human being had ever intentionally terminated a pregnancy, ever, preventing unwanted pregnancies would STILL be unequivocal, absolute most efficient way to stop the deaths of fetuses. Because here's the thing - slightly more than half of all fertilized zygotes fail to implant in the uterine wall, and another 30% or so spontaneously abort early in the first trimester. If you're of the belief that "life begins at conception", this means that roughly three quarters of all human beings ever conceived were flushed away with their mother's next period, often before she realized she was pregnant.
And let’s not even get started on how dangerous pregnancy can get after that point - for most of human history, it was the leading cause of death, and in nations where medical care is not readily available, it still is. If there is a god, he is the most prolific abortionist in history by six or seven orders of magnitude.
In the interest of preventing all those needless deaths of mothers and children alike, much of Planned Parenthood's money goes towards providing prenatal care.
If the "pro-life" lobby succeeds beyond its wildest dreams in their rallying cry of "defunding Planned Parenthood", they will not have taken a single penny from the pockets of a single abortionist. What they will have done is deprive millions of women the resources they need to bring their pregnancy to term in as safe and healthy a way as possible.
How about the Affordable Care Act? Surely, getting rid of the dreaded "Obamacare" will stop some abortions, right? Wrong. The ACA had a similar provision to the one I mentioned above, preventing a single penny of federal money from contributing towards coverage that includes abortion services. In fact, many individual states have laws that prevent ANY health insurance plan from covering it. What the recent repeal of the ACA has done is, you guessed it, leave a whole lot of pregnant women without the coverage they need to help them survive pregnancy, to give birth, and to keep their children healthy if they manage to be born.
So, no. I won't be calling those motherfuckers "pro-birth".
That gives them WAY too much credit.
P.S. If you call yourself "pro-life", if you personally find the idea of abortions distasteful and would never want to get one yourself, even if you sincerely believe that a fetus is morally equivalent to a thinking, feeling human being, that does not necessarily make you a bad person.
In fact, so long as you don't believe in using those beliefs to take rights away from actual people, we are on the same side. Because guess what? I also want to see abortion rates go down, which is why I support sex education, contraception, and all those other wonderful things that accomplish what simple prohibition does not.
If you genuinely care about protecting those precious little fetuses, you're going to want pregnant women to receive better medical care, not worse. You’re going to want people to be educated, not ignorant. You're going to want Planned Parenthood to have more money, not less.
And you should probably think twice about whether you want the mainstream "pro life" lobby I’ve just spent the last thousand words describing to continue to publicly represent you.
If, on the other hand, you do believe in taking rights away from women, kindly go fuck yourself.
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ellesep · 8 years ago
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We Won’t Let You Hold Our Voices Hostage
Written by Danielle Sepulveres, Illustrated by Maritza Lugo
Last year Maritza and I received some contentious emails because we didn’t use Ariel in our women’s healthcare series, so today is partially for those people to know that we heard them. Also we used Ariel today as reminder that what the GOP last night was Ursula, trying to lock up our voices of dissent when they took first steps towards repealing the Affordable Care Act. They made it clear that they have no qualms about approving death sentences for the chronically ill, the disabled, children and women. Which is a far greater evil than any Disney villain is capable. But it was a bleak reality for many to wake up to as well as an exhaustive reminder that one way to resist is to use our voices and call our reps.
Pacific Standard did a tweet storm explaining who and what would be impacted most from these measures if they continue, considering there is no replacement plan. They are as follows:
1)    Mental health treatment
2)    Drug addiction treatment
3)    Community health centers
4)    Rural hospitals
5)    Children
Community health centers are places like Planned Parenthood where patients are subsidized under Medicaid coverage. Another reason why the Republican rhetoric of “defund Planned Parenthood” is nonsensical. (Insert image of that elderly woman saying “that’s not how this works, that’s not how any of this works). Think about this for a minute. Elected officials. Public servants. Undeniably do not want Americans to have healthcare. Every Democrat led amendment to keep pieces of ACA was unsuccessful last night. Republicans blocked Senator Tammy Baldwin’s appeal to let young adults stay on their parents’ insurance plans until the age of 26. They also blocked other measures Democrats sought to save contraceptive coverage and reproductive healthcare services as well as the imperative pre-existing conditions protection.
“The Obamacare bridge is collapsing, and we’re sending in a rescue team,” said Senator Michael B. Enzi, Republican of Wyoming and the chairman of the Senate Budget Committee. “Then we’ll build new bridges to better health care, and finally, when these new bridges are finished, we’ll close the old bridge.”
This ridiculous statement by Enzi fails to explain what happens while you’re building the new bridge. Guess what? A rescue team doesn’t go in and gleefully demolish the old bridge and then say don’t worry we’ll build a new one at some point and it’s gonna be so much better you’ll see. Nor does a new bridge magically appear in its place. In the expected lapse of time after this destruction, people are essentially being told to simply drive over the remaining cliff to their deaths.
These so-called pro-life Republicans are confidently marching towards enacting a death sentence for numerous Americans. Or sentencing them to monumental levels of insurmountable debt. And no amount of statistics or proof of this manages to sway them from this objective. I don’t how to reconcile this level of hate, this complete disregard for human life in a country they have been elected to serve. I’m sickened. I’m lost. I don’t know what to say. I will just continue to fight.  
I’m going to follow the advice of people I respect like Senator Kamala Harris who voted no last night on that budget. I’m going to keep talking, I’m not going to let my voice get lost for myself and to assist others. Because if memory serves, in the end, Ursula is not the one who wins
Again if you need to find your rep to call and contact, this is the place.
An account on Twitter worth following today as heartbreaking as it is to read about her battles with illness and how insurance has saved her is Xeni Hardin.
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movietvtechgeeks · 8 years ago
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Donald Trump news conference becomes another media blast
It felt like President-elect Donald Trump had readied himself for war the minute he stepped out to give his first news conference since being elected.
He did say that he felt Russia did have a hand in hacking the DNC and Hillary Clinton’s campaign manager but was quick to say that it was their fault for not having better security.  Trump also let it be known that he will not be releasing his tax returns as he felt that American’s didn’t care about that.
One big moment was when he was on full attack against CNN and would not answer a question from their reporter and insisted on calling the news organization ‘fake new.’ This only showed that he will run his White House as a bully pulpit and only those that fall in line with his words and ego will get their questions answered.
It was technically a news conference, but it felt more like Donald Trump showing his power and letting those know if they disagree with him or question his words, there will be consequences. The full transcript is here.
A defiant President-elect Donald Trump on Wednesday adamantly denied reports that Russia had compromising personal and financial information about him, calling it a “tremendous blot” on the record of the intelligence community if material with any such allegations had been released.
The incoming president, in his first news conference since late July, firmly chided news organizations for publishing the material late Tuesday night. After weeks of scoffing at reports that Russians had interfered in the election, he conceded publicly for the first time that Russia was likely responsible for the hacking of the Democratic National Committee. “As far as hacking, I think it was Russia,” he said and quickly added that the United States is hacked by other countries as well, including China.
Trump’s extraordinary defense against the unsubstantiated intelligence report, just nine days before his inauguration, dominated a highly-anticipated press conference in which he also announced a new Cabinet member, detailed his plans to disentangle himself from his sprawling global business empire, gave his outlook on the future of the “Obamacare” health care law and said he would soon nominate someone to fill the vacancy on the Supreme Court.
“I think it’s a disgrace that information would be let out. I saw the information; I read the information outside of that meeting,” he said, a reference to a classified briefing he received from intelligence leaders. “It’s all fake news, it’s phony stuff, it didn’t happen,” Trump said in a news conference that saw him repeatedly joust with reporters. “It was gotten by opponents of ours.”
Asked about his relationship with Russian President Vladimir Putin, Trump boasted that it is an improvement over what he called America’s current “horrible relationship with Russia” and did not criticize the Russian leader for any interference in the election.
“If Putin likes Donald Trump, guess what, folks, that’s called an asset not a liability. I don’t know if I’m going to get along with Vladimir Putin – I hope I do – but there’s a good chance I won’t.”
Trump, Vice President-elect Mike Pence and incoming White House press secretary Sean Spicer also denounced the report about Russia’s influence on Trump, and the incoming president said it never should have been released. He thanked some news organizations for showing restraint.
A U.S. official told media outlets on Tuesday night that intelligence officials had informed Trump last week about an unsubstantiated report that Russia had compromising personal and financial information about him. The official spoke on the condition of anonymity because the official was not allowed to publicly discuss the matter.
Trump and President Barack Obama were briefed on the intelligence community’s findings last week, the official said.
Media outlets reported on the document late Tuesday and Trump denounced it on Twitter before his news conference as “fake news,” suggesting he was being persecuted for defeating other GOP presidential hopefuls and Democrat Hillary Clinton in the election.
The dossier contains unproven information about close coordination between Trump’s inner circle and Russians about hacking into Democratic accounts as well as unproven claims about unusual sexual activities by Trump among other suggestions attributed to anonymous sources.
Only days from his inauguration as the nation’s 45th president, Trump announced that he would nominate David Shulkin to lead the Department of Veterans Affairs, elevating him from his current role as VA undersecretary.
He promised that a replacement for the health care overhaul would be offered “essentially simultaneously” with the repeal of Obama’s signature health law – something that would be virtually impossible to quickly pass given the complexity of the policy changes. Republicans agree on repealing the law but nearly seven years after its passage have failed to reach agreement on its replacement.
Trump has repeatedly said that repealing and replacing “Obamacare” was a top priority, but has never fully explained how he plans to do it. House Speaker Paul Ryan has said that the House would seek to take both steps “concurrently.”
Turning to his plans to build a border wall along the southern border, Trump said he would immediately begin negotiations with Mexico on funding his promised wall after he takes office. He again vowed that “Mexico will pay for the wall but it will be reimbursed.” Trump recommitted to his plans to impose a border tax on manufacturers who shut plants and move production abroad. While the tax policy could retain jobs, it would also carry the risk of increasing prices for consumers.
Trump also said he would probably name his choice to fill the vacancy left by the death of Supreme Court justice Antonin Scalia in about two weeks after the inauguration.
And he announced his plans for the future of the Trump Organization, bringing to the podium attorney Sheri Dillon of Morgan Lewis, who worked with the Trump Organization on the arrangement.
Dillon said the Trump Organization would continue to pursue deals in the U.S., though Trump will relinquish control of the company to his sons and an executive, put his business assets in a trust and take other steps to isolate himself from his business. She said Trump “should not be expected to destroy the company he built.”
The move appears to contradict a previous pledge by the president-elect. In a tweet last month, Trump vowed to do “no new deals” while in office.
The lawyer said Trump would donate all profits from foreign government payments to his hotels to the U.S. treasury.
And pushing back against some ethics experts, Dillon said the so-called emoluments clause of the U.S. Constitution does not apply to foreign payments to Trump’s company. While some ethics officials have said that foreign leaders who pay for rooms and services at his various hotels would run afoul of the constitutional ban on foreign gifts or payments to the president, Dillon referred to it as a “fair-value exchange.”
Main Highlights from Donald Trump News Conference:
Russian hacking, and reports of Russia holding “compromising information” on him
Mr. Trump said he’s not allowed to discuss information that was presented during his intelligence briefing — but confirmed that outside the briefing, he did, in fact, see the memo in question on compromising information, calling it a “disgrace.”
“I saw the information; I read the information outside of that meeting. It’s all fake news — it’s phony stuff, it didn’t happen and it was gotten by opponents of ours,” he said. “It was a group of opponents who got together — sick people –, and they put that crap together.”
Asked whether he accepts the intelligence agencies’ conclusion that Russia actively worked to influence the 2016 election, Mr. Trump said he believes Russia was responsible for the hacking — but stopped short of saying he believed they had an influence on the campaign.
“As far as hacking, I think it was Russian,” he said. “But I think we also get hacked by other countries and other people and I can say that when we lost 22 million names and everything else that was hacked recently, they didn’t make a big deal out of that, that was something that was extraordinary.”
Asked if he had a message for Putin about future hacking activities, Mr. Trump replied: “He shouldn’t be doing it, he won’t be doing it.”
“Russia will have much greater respect for our country when I’m leading it than when other people have led it,” he said. “You will see that.”
He said he considers Putin’s praise of him to be “an asset, not a liability,” though he doesn’t yet know whether he and Putin will “get along.”
“Now I don’t know that I’m going to get along with Vladimir Putin,” he said. “I hope I do, but … do you honestly believe that Hillary [Clinton] will be tougher on Putin than me?”
Separation from business empire
Though Mr. Trump asserted that he would have been able to continue running his business from the White House if he wanted to, he said his two sons, Eric and Donald Jr., along with Trump Organization CFO Allen Weisselberg, would take over his businesses while he’s president.
“I could actually run my business … and run government at the same time,” he said. “I don’t like the way that looks but I’d be able to if I wanted to.”
The stacks of manila folders on the table next to Mr. Trump at the podium were, he said, “some of the many documents I’ve signed turning over complete and total control.”
Mr. Trump introduced Sherri Dillon of Morgan Lewis, a lawyer who has been working on the plan for the Trump business empire.
Dillon said Mr. Trump’s business holdings and investments will be put in a trust before Inauguration Day to be overseen by sons Donald Jr. and Eric, and Trump Organization CFO Allen Weisselberg. Mr. Trump also said that his two adult sons will run the company. Ivanka Trump, whose husband Jared Kushner is set to become a senior adviser to the Trump White House, will have “no further management” role in the company.
There will be “no new foreign deals” made during the duration of Mr. Trump’s presidency, Dillon added, and domestic deals will be subject to “severe restrictions.”
To people who suggest Mr. Trump should sell his business, Dillon said that would only “exacerbate” the possibility for conflicts.
Additionally, in order to ensure that “it is the American people who will profit” going forward, Mr. Trump has directed that all profits from foreign government payments made to his hotels will be donated to the U.S. Treasury.”
Media criticism
At the start of the press conference, Mr. Trump thanked news organizations that did not run stories on Russia’s alleged compromising information about him.
“I want to thank a lot of the news organizations, some of whom have not treated me well over the years, a couple in particular, and they came out so strongly against that fake news,” he said. “I have great respect for the news, I have great respect for freedom of the press and all of that, but I will tell you there were some news organizations … that were so professional, so incredibly professional.”
Later on, he called BuzzFeed, which posted a document which it says is the dossier about the Russian information, “a failing pile of garbage,” and also criticized CNN for publicizing the reports on Tuesday.
CNN reporter Jim Acosta attempted to ask a follow-up question, but Mr. Trump repeatedly shut him down.
“No, not you, your organization is terrible. Quiet. Quiet,” he said. As Acosta continued trying to ask a question, talking over another reporter, Mr. Trump continued: “Don’t be rude. Don’t be rude. Don’t. Be. Rude. I’m not going to give you a question. You are fake news.”
After the exchange, he called on CNN digital reporter Jeremy Diamond, CBS News’ Arden Farhi noted.
U.S.-Mexico border wall
On a question about his proposed wall along the U.S.-Mexico border, Mr. Trump said Mexico will “reimburse” the U.S. for the wall because he doesn’t want to wait to build it until a deal can be made with Mexico.
“I want to get the wall started,” he said. “I don’t want to wait a year and a half until I make my deal with Mexico.”
As for the form that reimbursement will take, Mr. Trump said it’s more likely it will be through a “tax” than a “payment.”
“They will reimburse us for the cost of the wall, whether it’s a tax or whether it’s a payment,” he said. “Probably less likely that it’s a payment.”
Supreme Court nominee
In response to a question from CBS News’ Major Garrett, Mr. Trump said he plans to announce his pick to replace the late Supreme Court Justice Antonin Scalia “within two weeks” of taking office.
“That will be probably within two weeks of the 20th,” he said. “So within about two weeks, probably the second week.”
Obamacare
Asked to discuss his administration’s plan for dealing with the Affordable Care Act, Mr. Trump declined to give any specifics but said, “We’re going to get health care taken care of in this country.”
He did say, however, that the ACA would be replaced “essentially simultaneously” with something “far less expensive and far better.” As soon as his health and human services secretary nominee, Rep. Tom Price, is confirmed, Mr. Trump told reporters “we’ll be submitting a plan” to repeal and replace Obamacare.
“Obamacare is a complete and total disaster,” he said, citing increased premiums and high deductibles. “…Frankly, we could sit back — and it was a thought from a political standpoint — but it wouldn’t be fair to the people.”
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riichardwilson · 5 years ago
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Transcript of Creating Policy Changes to Benefit Small Businesses
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John Jantsch: Hey, marketing agency today has gotten harder. There’s so many new platforms. How do you reach the right audience? Fortunately, there’s a simple way. LinkedIn can help you speak with the right professionals at the right time.
John Jantsch: Hello and welcome to another episode of the Duct Tape marketing agency Podcast. This is John Jantsch and my guest today is Karen Kerrigan. She is the president and CEO of the Small Business & Entrepreneurship Council. She also chairs the newly formed Small Business Round Table, a coalition of leading small business and entrepreneurship organizations. So Karen, thanks for joining me.
Karen Kerrigan: Oh, it’s great to be here. John, thank you for having me.
John Jantsch: And I assume you’re in chilly Washington DC today.
Karen Kerrigan: That’s right. Today it’s chilly. We’ve had no consistent temperature, sort of like the policy environment and economy in general. But we’re having a pretty good day today, pouring rain. But anyway, it’s busy though for sure.
John Jantsch: Are the cherry blossoms starting to peak out yet?
Karen Kerrigan: They’re starting to come out a little early, John, we’ve got… Actually at my home right outside of Washington in Northern Virginia, my front tree cherry blossom, they’re actually starting to bloom a little bit. So I think we could have an early year. We’ve had those before where actually the cherry blossoms came out and then we had a little snow on top of them. But they’re getting there. You can see the buds. And so the national park service, I’m sure it’s hard at work coming up with the exact date of those peak blooms so the tourists can all start coming in.
John Jantsch: So let’s start with describing kind of the primary charge of the SBE Council.
Karen Kerrigan: Sure. You bet John. So we, SBE Council, we are an advocacy, training, and research organization dedicated to promoting entrepreneurship and protecting small business. We’ve been doing this for 25 years now and we have more than a hundred thousand members and small business supporters across the country and really do work on the policy and economic environment that’s going to help strengthen startup activity and small business growth.
Karen Kerrigan: So a lot is focused on policy both at the federal as well as at the state level. And we do a lot of international stuff as well. And then we work with partners, whether they are other associations or corporate partners or government on a variety of educational initiatives as well. But we’re here to support small businesses, to give them an environment in a climate where they can compete and grow and also encourage individuals to pursue the path of entrepreneurship. And obviously having a good economy most of the time, I mean obviously there’s been great businesses that started during depressions, but just having the good policy pieces in place and the ecosystem in place really does encourage people to take that risk of starting a business and there’s a lot of policy things that we’re working on that involve that.
John Jantsch: Well, so that is, I’m thinking through as a listener here, that sounds great at the global level and I know that I benefit from all of that as a business owner, but what do you tell that local business owner, entrepreneur that says, okay, well what’s in that for me? Like how does that directly benefit me?
Karen Kerrigan: Well, I guess you could drill it down to specific policies, right? So if you look at, for example, the latest Square/Gallup Survey that came out a couple of weeks ago and it asks small business owners what their biggest concerns are. It was what we hear a lot taxes, regulation, healthcare, tariffs, things like that. So on a very personal level with small business owners looking at their pain points, like, a complex tax system or higher taxes or affordable health coverage or a regulatory environment that might be too burdensome. We just work on the many pieces of that to push through reforms, to push through legislation, to push through regulatory changes that are going to lessen the burdens directly on small businesses. Whether that’d be the tax or the regulatory burden and do things that are going to create generally a better environment, business environment, so that consumers are spending, businesses are investing.
Karen Kerrigan: So it involves a lot of things because there’s a lot of different government agencies in Washington, whether it’s the Department of Labor or the EPA, the IRS. Look at… We do so much with the Federal Communications Commission because access to broadband is still a big concern and quality broadband for many business owners and entrepreneurs. And we think that’s really critical that everyone have good access to broadband. So they have the opportunity to start businesses or even quality broadband so they can take advantage of all the new tools in the platform based economy to help them better grow their businesses and compete their businesses. So it involves just, if someone thinks about their business and what their pain points are and maybe how government gets in the way, or maybe makes those things a little bit more burdensome and painful. We’re working on all those pieces to improve or to lift those burdens. So does that answer your question a little bit more? I know we could dig down into deeper issues like healthcare or anything else.
John Jantsch: I want to go there for one moment. Because that’s certainly the topic that… I mean you watched all of the political conversation, it seems like forever, it’s not just now. Healthcare gets batted around by every side as the big issue. And I think it’s probably one of the biggest questions for certainly employers in the small business space. Where do you see the future of that? Because it feels, when you listen to people talk about healthcare and in this country it feels a little bit unstable.
Karen Kerrigan: It does, because it’s almost like you have, well the government’s going to run it or it’s not, you know? It’s Medicare for all or… Well it is a little bit unstable but as we’ve worked on this issue for the past three or four years, even with the Obama administration as we have on a number of issues, making some good headway on a range of things. We do see light at the end of the tunnel. Some of the initiatives that we’ve worked on which has come to fruition include things like allowing for association health plans or for businesses to pool as part of an association or altogether where they can leverage their numbers to negotiate for more choices and more affordable prices in healthcare. And so we’re beginning to see more and more association health plans come to life.
Karen Kerrigan: I saw for example, the National Association of Manufacturers just started a big association health plan. You’ve got the restaurateurs who are starting them, you have many state based associations who are beginning to start these association health plan. So we help push that regulatory change forward over the last couple of years. But then once it gets enacted, John, these things, there’s lag time, right? And until like the regulation becomes final and then sort of the market responds to that. So that’s one area where we do see some improvement where there was some extra taxes as part of the affordable healthcare act. Some people call it Obamacare. We had a really good success last year where we’re able to, as part of the year end package that passed both Houses of Congress and signed by the president. We’re able to repeal the health insurance tax, which was a tax on insurance companies, but really it directly hits small businesses.
Karen Kerrigan: It was targeted towards small group market and so that’s been lifted and we should see some relief for small business owners over the next year or so. A lot of little things like that that are taking place. Short term plans, which are not for everyone, but we believe that transitional plans in the marketplace. If you’re currently work for a business, either a big business or another business and want to start your own business and you want to have some type of health coverage, making these short term limited duration plans, these transition plans a little bit more practical really helps that person to take a risk and say, look, I’ve got something, I’m ready to jump out in the marketplace. Because actually not having healthcare is a big reason why a lot of people don’t start businesses. But it could, as you know John, you’re right.
Karen Kerrigan: I mean, like you said, it looks like we’re a little bit of turmoil. It depends on the election and what happens in 2020 because most of the candidates, the democratic candidates, have some form of Medicare for all or something like that, or Medicare for some, as I call it. And that will mean more government control of the health care. And from our perspective that is served in many instances to drive costs higher. But there have been some gains made, there’s more to come. There’s definitely more that needs to be done. But there’s a host of things that have been done that were just, the market really has to start embracing these and there’ll be more access to this type of plans by small businesses once we see the associated health plans go full board.
Karen Kerrigan: But the other piece of that, John, I don’t need to belabor this, but is that some of the States are actually suing the government on association health plans for example, and saying, well, the Trump administration exceeded its statutory boundaries. It doesn’t have the right to do this. So when there is a lawsuit involved, that sort of stops some of these things from actually reaching the market. But your observation is absolutely correct in terms of there is turmoil. And I think we’ll continue to see that if we do have some big election changes in 2020.
John Jantsch: Did you know there are over 62 million decision makers on LinkedIn? Yeah. And even small and medium sized businesses are making the most out of LinkedIn ads. They’re using LinkedIn to get their voices heard and their messages to resonate with the audience. And it’s not just about awareness either. LinkedIn ads are driving traffic and engagement. If you want to check it out, try for yourself. LinkedIn is offering a free $100 LinkedIn ad credit to launch your first campaign. Simply visit linkedin.com/ducttape. D-U-C-T-T-A-P-E that’s linkedin.com/ducttape. So there’s some terms and conditions that may apply, but I urge you to go check it out for yourself.
John Jantsch: So move on. Let’s move on to another topic.
Karen Kerrigan: Yeah.
John Jantsch: We as a society, country, move more and more to knowledge and digital workers, one of the real challenges I’m seeing with a lot of businesses that still need skilled labor, they’re really having trouble finding it. The remodeling contractor is having trouble finding carpenters because people aren’t going to school to be carpenters anymore. How would you suggest, I mean, I assume we’re still going to need remodeling contractors for a while. What are you hearing or what initiatives are you working on really to try to kind of keep those types of industries and those types of training programs afloat?
Karen Kerrigan: You’re right. John, we hear this from every single one of our members and when I travel the country, their biggest challenge or their pain point is, I talked about taxes, regulation, healthcare, but that was more involved with like sort of on the government side. But in terms of the operation of their business it’s their number one issue. It’s finding and keeping the employees that they need to operate their businesses. And many of them are missing out on growth opportunities because they just can’t find the people, the skilled employees or even the employees to work in their businesses. And that’s across all industries. It’s one of these issues, I think, that really is… there are no short term solutions to it. But I think a lot of what the Congress on a bipartisan basis has done to work together along with the administration. I think are really making a difference or will make a difference and have in terms of expanding and modernizing a lot of the apprenticeship programs to include more high tech to include more of the workers that are going to be needed to build out 5G, the 5G infrastructure in this country.
Karen Kerrigan: We anticipate 120,000 more workers are going to be needed, skilled workers, to build out 5G which is incredibly important to small business and to our competitiveness to have that next generation of mobile networks. The other pieces is modernizing some of the laws. For example involving grants, Pell grants and student loans is student loans have primarily been given to students who are going to four year universities. Well why can’t we change that where students can use those type of resources or those funds to do some type of training program, apprentices training program to pursue the training that they need to go into a skills trade. I think the big piece also is it’s culturally it’s just the value of all work. And that starts a lot as I meet with small business owners throughout the country and we’re in some of these small towns a lot is, well gee, the parents are saying, well you have to go to college or you don’t need… you shouldn’t be working in this manufacturing plant, it’s harbor.
Karen Kerrigan: It’s like they’re, in terms of this type of work, I mean it’s good paying work. It’s sort of like what the child’s passion is or what they want to do. The parents, what they want the kids to do shouldn’t replace that. So I think it’s really this whole value of all type of work in this country and look at the wages are getting there. I mean they’re becoming very competitive for all this type of work. And then of course immigration. We’re big supporters, we’re a pro-immigration organization. We do believe that there does need to be immigration reform as some of the programs, the H1B visas and all of that. But we also support increased immigration into the country because if you’re going to have a growing economy and if we’re going to have increased jobs, we need more people to come into the country who can fill those jobs. So we’re fully supportive of that and we continue to push more immigration as a solution to our workforce shortages.
John Jantsch: Are there any policies or regulations that you’re working on right now that are kind of hot for you because you feel like they’re really holding small businesses back?
Karen Kerrigan: Well, yeah, there’s a number of them I think on the… Well, one big piece that we work on in terms of encouraging entrepreneurship and supporting small businesses to scale is access to capital. And it’s one of our core issues that we’ve been working on. We, unfortunately there was a huge bill jobs act 3.0 that passed the house in the last Congress. Only four people voted against it. And it was a package of about 30 bills that would improve a lot of the securities laws to make them more modern and it would improve capital markets, capital formation and that didn’t go anywhere in the Senate unfortunately. So we’re working from scratch and we are building support both at the FCC and also in both houses on making some more improvement to debt inequity based crowd funding because we led the charge on making debt inequity based crowdfunding legal.
Karen Kerrigan: It took four years John, to get those regulations implemented. It was crazy, but now we’re starting to see some legs and some momentum around crowd funding, about 2000 startups or small businesses have used title three crowd funding, which is allowing ordinary investors to invest in the businesses that they believe in on regulated platforms. And this is a good thing, but it’s still a little bit too regulatory, still looks too costly. We want to increase the amount of money that can be raised from one million to 10 million because the average seed round for a startup is about 2.5 million. So that is something we’re working on in terms of taking this proven model, there’s been no fraud and saying, gee, we’ve got to make this better and we need to make it better for more businesses and more practical for more businesses to use.
Karen Kerrigan: So that’s both a regulatory and a legislative thing. We also are working on with the National Labor Relations Board on what’s called the Joint Employer Rule, which sort of makes a very restrictive around the definition of an employee and whether they’re an independent contractor and the relationship between the franchise and the franchisee and it’s really hurting entrepreneurship and new franchise development and basically lot of compliance burden involved with that. So the NLRB, the National Labor Relations Board should be coming out with a new rule on that. And we’re working on that. And then there’s a lot of regulatory things the Trump administration is doing and that’s where the action is going to be, John, because we do see this stalemate between the House and the Senate this year and there are some regulatory improvements that the administration is working on in terms of the National Environmental Policy Act that would modernize that and make it easier for projects to be improved.
Karen Kerrigan: This is really important to building out our nation’s infrastructure and getting some of these stalled infrastructure projects going. That’s a big initiative of ours. And we’re also working on, well there’s a whole host of things that I would encourage people to visit sbecouncil.org to sort of take a look at our agenda. But we’re also very much involved with getting… we’re moving barriers to 5G deployment so that we can get this next generation of mobile networks up and going. So we have faster speeds, more wireless service choices, more affordable speeds. It’s going to be really transformative for small businesses and entrepreneurs to have 5G to allow them to use augmented reality and virtual reality. To have customers to be able to actually try on clothes in the comfort of their own home or actually engaged with their products and services so that they can make that sale right away.
Karen Kerrigan: So that is another thing that we think, gee, we can work on without sort of having this partisan divide between the House and the Senate where there’s actually bipartisan support to move forward. And then trade is another thing. There’s going to be agreements with the UK and India and the EU and John, it’s mostly small businesses that are engaged in global markets and more access they have to global markets and the barriers get taken down. Then they could grow more, invest more and instead of to do what they do best for our economy. So that’s just a little snapshot I’m going on and on like a Washington person would do on the floor of the House or the Senate. My apologies.
John Jantsch: Well that’s all right. We covered a lot of ground there. So Karen, we have run out of time. Tell people where they can find out more about the SBE Council.
Karen Kerrigan: Yes. You bet, John. So, SBEcouncil.org and you can follow us on Twitter @SBEcouncil, LinkedIn SBEcouncil, the same thing for Facebook as well, SBE Council. Please follow us on our website SBE Council. You could sign up our E news for free to keep you updated on all the things that we’re working on that impact your business, small business and entrepreneurship in general.
John Jantsch: Awesome. Well thanks Karen for stopping by and hopefully we’ll see ya next time I’m in Washington.
Karen Kerrigan: You bet, John. Hope to see you as well.
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laurelkrugerr · 5 years ago
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Transcript of Creating Policy Changes to Benefit Small Businesses
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John Jantsch: Hey, marketing agency today has gotten harder. There’s so many new platforms. How do you reach the right audience? Fortunately, there’s a simple way. LinkedIn can help you speak with the right professionals at the right time.
John Jantsch: Hello and welcome to another episode of the Duct Tape marketing agency Podcast. This is John Jantsch and my guest today is Karen Kerrigan. She is the president and CEO of the Small Business & Entrepreneurship Council. She also chairs the newly formed Small Business Round Table, a coalition of leading small business and entrepreneurship organizations. So Karen, thanks for joining me.
Karen Kerrigan: Oh, it’s great to be here. John, thank you for having me.
John Jantsch: And I assume you’re in chilly Washington DC today.
Karen Kerrigan: That’s right. Today it’s chilly. We’ve had no consistent temperature, sort of like the policy environment and economy in general. But we’re having a pretty good day today, pouring rain. But anyway, it’s busy though for sure.
John Jantsch: Are the cherry blossoms starting to peak out yet?
Karen Kerrigan: They’re starting to come out a little early, John, we’ve got… Actually at my home right outside of Washington in Northern Virginia, my front tree cherry blossom, they’re actually starting to bloom a little bit. So I think we could have an early year. We’ve had those before where actually the cherry blossoms came out and then we had a little snow on top of them. But they’re getting there. You can see the buds. And so the national park service, I’m sure it’s hard at work coming up with the exact date of those peak blooms so the tourists can all start coming in.
John Jantsch: So let’s start with describing kind of the primary charge of the SBE Council.
Karen Kerrigan: Sure. You bet John. So we, SBE Council, we are an advocacy, training, and research organization dedicated to promoting entrepreneurship and protecting small business. We’ve been doing this for 25 years now and we have more than a hundred thousand members and small business supporters across the country and really do work on the policy and economic environment that’s going to help strengthen startup activity and small business growth.
Karen Kerrigan: So a lot is focused on policy both at the federal as well as at the state level. And we do a lot of international stuff as well. And then we work with partners, whether they are other associations or corporate partners or government on a variety of educational initiatives as well. But we’re here to support small businesses, to give them an environment in a climate where they can compete and grow and also encourage individuals to pursue the path of entrepreneurship. And obviously having a good economy most of the time, I mean obviously there’s been great businesses that started during depressions, but just having the good policy pieces in place and the ecosystem in place really does encourage people to take that risk of starting a business and there’s a lot of policy things that we’re working on that involve that.
John Jantsch: Well, so that is, I’m thinking through as a listener here, that sounds great at the global level and I know that I benefit from all of that as a business owner, but what do you tell that local business owner, entrepreneur that says, okay, well what’s in that for me? Like how does that directly benefit me?
Karen Kerrigan: Well, I guess you could drill it down to specific policies, right? So if you look at, for example, the latest Square/Gallup Survey that came out a couple of weeks ago and it asks small business owners what their biggest concerns are. It was what we hear a lot taxes, regulation, healthcare, tariffs, things like that. So on a very personal level with small business owners looking at their pain points, like, a complex tax system or higher taxes or affordable health coverage or a regulatory environment that might be too burdensome. We just work on the many pieces of that to push through reforms, to push through legislation, to push through regulatory changes that are going to lessen the burdens directly on small businesses. Whether that’d be the tax or the regulatory burden and do things that are going to create generally a better environment, business environment, so that consumers are spending, businesses are investing.
Karen Kerrigan: So it involves a lot of things because there’s a lot of different government agencies in Washington, whether it’s the Department of Labor or the EPA, the IRS. Look at… We do so much with the Federal Communications Commission because access to broadband is still a big concern and quality broadband for many business owners and entrepreneurs. And we think that’s really critical that everyone have good access to broadband. So they have the opportunity to start businesses or even quality broadband so they can take advantage of all the new tools in the platform based economy to help them better grow their businesses and compete their businesses. So it involves just, if someone thinks about their business and what their pain points are and maybe how government gets in the way, or maybe makes those things a little bit more burdensome and painful. We’re working on all those pieces to improve or to lift those burdens. So does that answer your question a little bit more? I know we could dig down into deeper issues like healthcare or anything else.
John Jantsch: I want to go there for one moment. Because that’s certainly the topic that… I mean you watched all of the political conversation, it seems like forever, it’s not just now. Healthcare gets batted around by every side as the big issue. And I think it’s probably one of the biggest questions for certainly employers in the small business space. Where do you see the future of that? Because it feels, when you listen to people talk about healthcare and in this country it feels a little bit unstable.
Karen Kerrigan: It does, because it’s almost like you have, well the government’s going to run it or it’s not, you know? It’s Medicare for all or… Well it is a little bit unstable but as we’ve worked on this issue for the past three or four years, even with the Obama administration as we have on a number of issues, making some good headway on a range of things. We do see light at the end of the tunnel. Some of the initiatives that we’ve worked on which has come to fruition include things like allowing for association health plans or for businesses to pool as part of an association or altogether where they can leverage their numbers to negotiate for more choices and more affordable prices in healthcare. And so we’re beginning to see more and more association health plans come to life.
Karen Kerrigan: I saw for example, the National Association of Manufacturers just started a big association health plan. You’ve got the restaurateurs who are starting them, you have many state based associations who are beginning to start these association health plan. So we help push that regulatory change forward over the last couple of years. But then once it gets enacted, John, these things, there’s lag time, right? And until like the regulation becomes final and then sort of the market responds to that. So that’s one area where we do see some improvement where there was some extra taxes as part of the affordable healthcare act. Some people call it Obamacare. We had a really good success last year where we’re able to, as part of the year end package that passed both Houses of Congress and signed by the president. We’re able to repeal the health insurance tax, which was a tax on insurance companies, but really it directly hits small businesses.
Karen Kerrigan: It was targeted towards small group market and so that’s been lifted and we should see some relief for small business owners over the next year or so. A lot of little things like that that are taking place. Short term plans, which are not for everyone, but we believe that transitional plans in the marketplace. If you’re currently work for a business, either a big business or another business and want to start your own business and you want to have some type of health coverage, making these short term limited duration plans, these transition plans a little bit more practical really helps that person to take a risk and say, look, I’ve got something, I’m ready to jump out in the marketplace. Because actually not having healthcare is a big reason why a lot of people don’t start businesses. But it could, as you know John, you’re right.
Karen Kerrigan: I mean, like you said, it looks like we’re a little bit of turmoil. It depends on the election and what happens in 2020 because most of the candidates, the democratic candidates, have some form of Medicare for all or something like that, or Medicare for some, as I call it. And that will mean more government control of the health care. And from our perspective that is served in many instances to drive costs higher. But there have been some gains made, there’s more to come. There’s definitely more that needs to be done. But there’s a host of things that have been done that were just, the market really has to start embracing these and there’ll be more access to this type of plans by small businesses once we see the associated health plans go full board.
Karen Kerrigan: But the other piece of that, John, I don’t need to belabor this, but is that some of the States are actually suing the government on association health plans for example, and saying, well, the Trump administration exceeded its statutory boundaries. It doesn’t have the right to do this. So when there is a lawsuit involved, that sort of stops some of these things from actually reaching the market. But your observation is absolutely correct in terms of there is turmoil. And I think we’ll continue to see that if we do have some big election changes in 2020.
John Jantsch: Did you know there are over 62 million decision makers on LinkedIn? Yeah. And even small and medium sized businesses are making the most out of LinkedIn ads. They’re using LinkedIn to get their voices heard and their messages to resonate with the audience. And it’s not just about awareness either. LinkedIn ads are driving traffic and engagement. If you want to check it out, try for yourself. LinkedIn is offering a free $100 LinkedIn ad credit to launch your first campaign. Simply visit linkedin.com/ducttape. D-U-C-T-T-A-P-E that’s linkedin.com/ducttape. So there’s some terms and conditions that may apply, but I urge you to go check it out for yourself.
John Jantsch: So move on. Let’s move on to another topic.
Karen Kerrigan: Yeah.
John Jantsch: We as a society, country, move more and more to knowledge and digital workers, one of the real challenges I’m seeing with a lot of businesses that still need skilled labor, they’re really having trouble finding it. The remodeling contractor is having trouble finding carpenters because people aren’t going to school to be carpenters anymore. How would you suggest, I mean, I assume we’re still going to need remodeling contractors for a while. What are you hearing or what initiatives are you working on really to try to kind of keep those types of industries and those types of training programs afloat?
Karen Kerrigan: You’re right. John, we hear this from every single one of our members and when I travel the country, their biggest challenge or their pain point is, I talked about taxes, regulation, healthcare, but that was more involved with like sort of on the government side. But in terms of the operation of their business it’s their number one issue. It’s finding and keeping the employees that they need to operate their businesses. And many of them are missing out on growth opportunities because they just can’t find the people, the skilled employees or even the employees to work in their businesses. And that’s across all industries. It’s one of these issues, I think, that really is… there are no short term solutions to it. But I think a lot of what the Congress on a bipartisan basis has done to work together along with the administration. I think are really making a difference or will make a difference and have in terms of expanding and modernizing a lot of the apprenticeship programs to include more high tech to include more of the workers that are going to be needed to build out 5G, the 5G infrastructure in this country.
Karen Kerrigan: We anticipate 120,000 more workers are going to be needed, skilled workers, to build out 5G which is incredibly important to small business and to our competitiveness to have that next generation of mobile networks. The other pieces is modernizing some of the laws. For example involving grants, Pell grants and student loans is student loans have primarily been given to students who are going to four year universities. Well why can’t we change that where students can use those type of resources or those funds to do some type of training program, apprentices training program to pursue the training that they need to go into a skills trade. I think the big piece also is it’s culturally it’s just the value of all work. And that starts a lot as I meet with small business owners throughout the country and we’re in some of these small towns a lot is, well gee, the parents are saying, well you have to go to college or you don’t need… you shouldn’t be working in this manufacturing plant, it’s harbor.
Karen Kerrigan: It’s like they’re, in terms of this type of work, I mean it’s good paying work. It’s sort of like what the child’s passion is or what they want to do. The parents, what they want the kids to do shouldn’t replace that. So I think it’s really this whole value of all type of work in this country and look at the wages are getting there. I mean they’re becoming very competitive for all this type of work. And then of course immigration. We’re big supporters, we’re a pro-immigration organization. We do believe that there does need to be immigration reform as some of the programs, the H1B visas and all of that. But we also support increased immigration into the country because if you’re going to have a growing economy and if we’re going to have increased jobs, we need more people to come into the country who can fill those jobs. So we’re fully supportive of that and we continue to push more immigration as a solution to our workforce shortages.
John Jantsch: Are there any policies or regulations that you’re working on right now that are kind of hot for you because you feel like they’re really holding small businesses back?
Karen Kerrigan: Well, yeah, there’s a number of them I think on the… Well, one big piece that we work on in terms of encouraging entrepreneurship and supporting small businesses to scale is access to capital. And it’s one of our core issues that we’ve been working on. We, unfortunately there was a huge bill jobs act 3.0 that passed the house in the last Congress. Only four people voted against it. And it was a package of about 30 bills that would improve a lot of the securities laws to make them more modern and it would improve capital markets, capital formation and that didn’t go anywhere in the Senate unfortunately. So we’re working from scratch and we are building support both at the FCC and also in both houses on making some more improvement to debt inequity based crowd funding because we led the charge on making debt inequity based crowdfunding legal.
Karen Kerrigan: It took four years John, to get those regulations implemented. It was crazy, but now we’re starting to see some legs and some momentum around crowd funding, about 2000 startups or small businesses have used title three crowd funding, which is allowing ordinary investors to invest in the businesses that they believe in on regulated platforms. And this is a good thing, but it’s still a little bit too regulatory, still looks too costly. We want to increase the amount of money that can be raised from one million to 10 million because the average seed round for a startup is about 2.5 million. So that is something we’re working on in terms of taking this proven model, there’s been no fraud and saying, gee, we’ve got to make this better and we need to make it better for more businesses and more practical for more businesses to use.
Karen Kerrigan: So that’s both a regulatory and a legislative thing. We also are working on with the National Labor Relations Board on what’s called the Joint Employer Rule, which sort of makes a very restrictive around the definition of an employee and whether they’re an independent contractor and the relationship between the franchise and the franchisee and it’s really hurting entrepreneurship and new franchise development and basically lot of compliance burden involved with that. So the NLRB, the National Labor Relations Board should be coming out with a new rule on that. And we’re working on that. And then there’s a lot of regulatory things the Trump administration is doing and that’s where the action is going to be, John, because we do see this stalemate between the House and the Senate this year and there are some regulatory improvements that the administration is working on in terms of the National Environmental Policy Act that would modernize that and make it easier for projects to be improved.
Karen Kerrigan: This is really important to building out our nation’s infrastructure and getting some of these stalled infrastructure projects going. That’s a big initiative of ours. And we’re also working on, well there’s a whole host of things that I would encourage people to visit sbecouncil.org to sort of take a look at our agenda. But we’re also very much involved with getting… we’re moving barriers to 5G deployment so that we can get this next generation of mobile networks up and going. So we have faster speeds, more wireless service choices, more affordable speeds. It’s going to be really transformative for small businesses and entrepreneurs to have 5G to allow them to use augmented reality and virtual reality. To have customers to be able to actually try on clothes in the comfort of their own home or actually engaged with their products and services so that they can make that sale right away.
Karen Kerrigan: So that is another thing that we think, gee, we can work on without sort of having this partisan divide between the House and the Senate where there’s actually bipartisan support to move forward. And then trade is another thing. There’s going to be agreements with the UK and India and the EU and John, it’s mostly small businesses that are engaged in global markets and more access they have to global markets and the barriers get taken down. Then they could grow more, invest more and instead of to do what they do best for our economy. So that’s just a little snapshot I’m going on and on like a Washington person would do on the floor of the House or the Senate. My apologies.
John Jantsch: Well that’s all right. We covered a lot of ground there. So Karen, we have run out of time. Tell people where they can find out more about the SBE Council.
Karen Kerrigan: Yes. You bet, John. So, SBEcouncil.org and you can follow us on Twitter @SBEcouncil, LinkedIn SBEcouncil, the same thing for Facebook as well, SBE Council. Please follow us on our website SBE Council. You could sign up our E news for free to keep you updated on all the things that we’re working on that impact your business, small business and entrepreneurship in general.
John Jantsch: Awesome. Well thanks Karen for stopping by and hopefully we’ll see ya next time I’m in Washington.
Karen Kerrigan: You bet, John. Hope to see you as well.
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Transcript of Creating Policy Changes to Benefit Small Businesses
Back to Podcast
John Jantsch: Hey, marketing agency today has gotten harder. There’s so many new platforms. How do you reach the right audience? Fortunately, there’s a simple way. LinkedIn can help you speak with the right professionals at the right time.
John Jantsch: Hello and welcome to another episode of the Duct Tape marketing agency Podcast. This is John Jantsch and my guest today is Karen Kerrigan. She is the president and CEO of the Small Business & Entrepreneurship Council. She also chairs the newly formed Small Business Round Table, a coalition of leading small business and entrepreneurship organizations. So Karen, thanks for joining me.
Karen Kerrigan: Oh, it’s great to be here. John, thank you for having me.
John Jantsch: And I assume you’re in chilly Washington DC today.
Karen Kerrigan: That’s right. Today it’s chilly. We’ve had no consistent temperature, sort of like the policy environment and economy in general. But we’re having a pretty good day today, pouring rain. But anyway, it’s busy though for sure.
John Jantsch: Are the cherry blossoms starting to peak out yet?
Karen Kerrigan: They’re starting to come out a little early, John, we’ve got… Actually at my home right outside of Washington in Northern Virginia, my front tree cherry blossom, they’re actually starting to bloom a little bit. So I think we could have an early year. We’ve had those before where actually the cherry blossoms came out and then we had a little snow on top of them. But they’re getting there. You can see the buds. And so the national park service, I’m sure it’s hard at work coming up with the exact date of those peak blooms so the tourists can all start coming in.
John Jantsch: So let’s start with describing kind of the primary charge of the SBE Council.
Karen Kerrigan: Sure. You bet John. So we, SBE Council, we are an advocacy, training, and research organization dedicated to promoting entrepreneurship and protecting small business. We’ve been doing this for 25 years now and we have more than a hundred thousand members and small business supporters across the country and really do work on the policy and economic environment that’s going to help strengthen startup activity and small business growth.
Karen Kerrigan: So a lot is focused on policy both at the federal as well as at the state level. And we do a lot of international stuff as well. And then we work with partners, whether they are other associations or corporate partners or government on a variety of educational initiatives as well. But we’re here to support small businesses, to give them an environment in a climate where they can compete and grow and also encourage individuals to pursue the path of entrepreneurship. And obviously having a good economy most of the time, I mean obviously there’s been great businesses that started during depressions, but just having the good policy pieces in place and the ecosystem in place really does encourage people to take that risk of starting a business and there’s a lot of policy things that we’re working on that involve that.
John Jantsch: Well, so that is, I’m thinking through as a listener here, that sounds great at the global level and I know that I benefit from all of that as a business owner, but what do you tell that local business owner, entrepreneur that says, okay, well what’s in that for me? Like how does that directly benefit me?
Karen Kerrigan: Well, I guess you could drill it down to specific policies, right? So if you look at, for example, the latest Square/Gallup Survey that came out a couple of weeks ago and it asks small business owners what their biggest concerns are. It was what we hear a lot taxes, regulation, healthcare, tariffs, things like that. So on a very personal level with small business owners looking at their pain points, like, a complex tax system or higher taxes or affordable health coverage or a regulatory environment that might be too burdensome. We just work on the many pieces of that to push through reforms, to push through legislation, to push through regulatory changes that are going to lessen the burdens directly on small businesses. Whether that’d be the tax or the regulatory burden and do things that are going to create generally a better environment, business environment, so that consumers are spending, businesses are investing.
Karen Kerrigan: So it involves a lot of things because there’s a lot of different government agencies in Washington, whether it’s the Department of Labor or the EPA, the IRS. Look at… We do so much with the Federal Communications Commission because access to broadband is still a big concern and quality broadband for many business owners and entrepreneurs. And we think that’s really critical that everyone have good access to broadband. So they have the opportunity to start businesses or even quality broadband so they can take advantage of all the new tools in the platform based economy to help them better grow their businesses and compete their businesses. So it involves just, if someone thinks about their business and what their pain points are and maybe how government gets in the way, or maybe makes those things a little bit more burdensome and painful. We’re working on all those pieces to improve or to lift those burdens. So does that answer your question a little bit more? I know we could dig down into deeper issues like healthcare or anything else.
John Jantsch: I want to go there for one moment. Because that’s certainly the topic that… I mean you watched all of the political conversation, it seems like forever, it’s not just now. Healthcare gets batted around by every side as the big issue. And I think it’s probably one of the biggest questions for certainly employers in the small business space. Where do you see the future of that? Because it feels, when you listen to people talk about healthcare and in this country it feels a little bit unstable.
Karen Kerrigan: It does, because it’s almost like you have, well the government’s going to run it or it’s not, you know? It’s Medicare for all or… Well it is a little bit unstable but as we’ve worked on this issue for the past three or four years, even with the Obama administration as we have on a number of issues, making some good headway on a range of things. We do see light at the end of the tunnel. Some of the initiatives that we’ve worked on which has come to fruition include things like allowing for association health plans or for businesses to pool as part of an association or altogether where they can leverage their numbers to negotiate for more choices and more affordable prices in healthcare. And so we’re beginning to see more and more association health plans come to life.
Karen Kerrigan: I saw for example, the National Association of Manufacturers just started a big association health plan. You’ve got the restaurateurs who are starting them, you have many state based associations who are beginning to start these association health plan. So we help push that regulatory change forward over the last couple of years. But then once it gets enacted, John, these things, there’s lag time, right? And until like the regulation becomes final and then sort of the market responds to that. So that’s one area where we do see some improvement where there was some extra taxes as part of the affordable healthcare act. Some people call it Obamacare. We had a really good success last year where we’re able to, as part of the year end package that passed both Houses of Congress and signed by the president. We’re able to repeal the health insurance tax, which was a tax on insurance companies, but really it directly hits small businesses.
Karen Kerrigan: It was targeted towards small group market and so that’s been lifted and we should see some relief for small business owners over the next year or so. A lot of little things like that that are taking place. Short term plans, which are not for everyone, but we believe that transitional plans in the marketplace. If you’re currently work for a business, either a big business or another business and want to start your own business and you want to have some type of health coverage, making these short term limited duration plans, these transition plans a little bit more practical really helps that person to take a risk and say, look, I’ve got something, I’m ready to jump out in the marketplace. Because actually not having healthcare is a big reason why a lot of people don’t start businesses. But it could, as you know John, you’re right.
Karen Kerrigan: I mean, like you said, it looks like we’re a little bit of turmoil. It depends on the election and what happens in 2020 because most of the candidates, the democratic candidates, have some form of Medicare for all or something like that, or Medicare for some, as I call it. And that will mean more government control of the health care. And from our perspective that is served in many instances to drive costs higher. But there have been some gains made, there’s more to come. There’s definitely more that needs to be done. But there’s a host of things that have been done that were just, the market really has to start embracing these and there’ll be more access to this type of plans by small businesses once we see the associated health plans go full board.
Karen Kerrigan: But the other piece of that, John, I don’t need to belabor this, but is that some of the States are actually suing the government on association health plans for example, and saying, well, the Trump administration exceeded its statutory boundaries. It doesn’t have the right to do this. So when there is a lawsuit involved, that sort of stops some of these things from actually reaching the market. But your observation is absolutely correct in terms of there is turmoil. And I think we’ll continue to see that if we do have some big election changes in 2020.
John Jantsch: Did you know there are over 62 million decision makers on LinkedIn? Yeah. And even small and medium sized businesses are making the most out of LinkedIn ads. They’re using LinkedIn to get their voices heard and their messages to resonate with the audience. And it’s not just about awareness either. LinkedIn ads are driving traffic and engagement. If you want to check it out, try for yourself. LinkedIn is offering a free $100 LinkedIn ad credit to launch your first campaign. Simply visit linkedin.com/ducttape. D-U-C-T-T-A-P-E that’s linkedin.com/ducttape. So there’s some terms and conditions that may apply, but I urge you to go check it out for yourself.
John Jantsch: So move on. Let’s move on to another topic.
Karen Kerrigan: Yeah.
John Jantsch: We as a society, country, move more and more to knowledge and digital workers, one of the real challenges I’m seeing with a lot of businesses that still need skilled labor, they’re really having trouble finding it. The remodeling contractor is having trouble finding carpenters because people aren’t going to school to be carpenters anymore. How would you suggest, I mean, I assume we’re still going to need remodeling contractors for a while. What are you hearing or what initiatives are you working on really to try to kind of keep those types of industries and those types of training programs afloat?
Karen Kerrigan: You’re right. John, we hear this from every single one of our members and when I travel the country, their biggest challenge or their pain point is, I talked about taxes, regulation, healthcare, but that was more involved with like sort of on the government side. But in terms of the operation of their business it’s their number one issue. It’s finding and keeping the employees that they need to operate their businesses. And many of them are missing out on growth opportunities because they just can’t find the people, the skilled employees or even the employees to work in their businesses. And that’s across all industries. It’s one of these issues, I think, that really is… there are no short term solutions to it. But I think a lot of what the Congress on a bipartisan basis has done to work together along with the administration. I think are really making a difference or will make a difference and have in terms of expanding and modernizing a lot of the apprenticeship programs to include more high tech to include more of the workers that are going to be needed to build out 5G, the 5G infrastructure in this country.
Karen Kerrigan: We anticipate 120,000 more workers are going to be needed, skilled workers, to build out 5G which is incredibly important to small business and to our competitiveness to have that next generation of mobile networks. The other pieces is modernizing some of the laws. For example involving grants, Pell grants and student loans is student loans have primarily been given to students who are going to four year universities. Well why can’t we change that where students can use those type of resources or those funds to do some type of training program, apprentices training program to pursue the training that they need to go into a skills trade. I think the big piece also is it’s culturally it’s just the value of all work. And that starts a lot as I meet with small business owners throughout the country and we’re in some of these small towns a lot is, well gee, the parents are saying, well you have to go to college or you don’t need… you shouldn’t be working in this manufacturing plant, it’s harbor.
Karen Kerrigan: It’s like they’re, in terms of this type of work, I mean it’s good paying work. It’s sort of like what the child’s passion is or what they want to do. The parents, what they want the kids to do shouldn’t replace that. So I think it’s really this whole value of all type of work in this country and look at the wages are getting there. I mean they’re becoming very competitive for all this type of work. And then of course immigration. We’re big supporters, we’re a pro-immigration organization. We do believe that there does need to be immigration reform as some of the programs, the H1B visas and all of that. But we also support increased immigration into the country because if you’re going to have a growing economy and if we’re going to have increased jobs, we need more people to come into the country who can fill those jobs. So we’re fully supportive of that and we continue to push more immigration as a solution to our workforce shortages.
John Jantsch: Are there any policies or regulations that you’re working on right now that are kind of hot for you because you feel like they’re really holding small businesses back?
Karen Kerrigan: Well, yeah, there’s a number of them I think on the… Well, one big piece that we work on in terms of encouraging entrepreneurship and supporting small businesses to scale is access to capital. And it’s one of our core issues that we’ve been working on. We, unfortunately there was a huge bill jobs act 3.0 that passed the house in the last Congress. Only four people voted against it. And it was a package of about 30 bills that would improve a lot of the securities laws to make them more modern and it would improve capital markets, capital formation and that didn’t go anywhere in the Senate unfortunately. So we’re working from scratch and we are building support both at the FCC and also in both houses on making some more improvement to debt inequity based crowd funding because we led the charge on making debt inequity based crowdfunding legal.
Karen Kerrigan: It took four years John, to get those regulations implemented. It was crazy, but now we’re starting to see some legs and some momentum around crowd funding, about 2000 startups or small businesses have used title three crowd funding, which is allowing ordinary investors to invest in the businesses that they believe in on regulated platforms. And this is a good thing, but it’s still a little bit too regulatory, still looks too costly. We want to increase the amount of money that can be raised from one million to 10 million because the average seed round for a startup is about 2.5 million. So that is something we’re working on in terms of taking this proven model, there’s been no fraud and saying, gee, we’ve got to make this better and we need to make it better for more businesses and more practical for more businesses to use.
Karen Kerrigan: So that’s both a regulatory and a legislative thing. We also are working on with the National Labor Relations Board on what’s called the Joint Employer Rule, which sort of makes a very restrictive around the definition of an employee and whether they’re an independent contractor and the relationship between the franchise and the franchisee and it’s really hurting entrepreneurship and new franchise development and basically lot of compliance burden involved with that. So the NLRB, the National Labor Relations Board should be coming out with a new rule on that. And we’re working on that. And then there’s a lot of regulatory things the Trump administration is doing and that’s where the action is going to be, John, because we do see this stalemate between the House and the Senate this year and there are some regulatory improvements that the administration is working on in terms of the National Environmental Policy Act that would modernize that and make it easier for projects to be improved.
Karen Kerrigan: This is really important to building out our nation’s infrastructure and getting some of these stalled infrastructure projects going. That’s a big initiative of ours. And we’re also working on, well there’s a whole host of things that I would encourage people to visit sbecouncil.org to sort of take a look at our agenda. But we’re also very much involved with getting… we’re moving barriers to 5G deployment so that we can get this next generation of mobile networks up and going. So we have faster speeds, more wireless service choices, more affordable speeds. It’s going to be really transformative for small businesses and entrepreneurs to have 5G to allow them to use augmented reality and virtual reality. To have customers to be able to actually try on clothes in the comfort of their own home or actually engaged with their products and services so that they can make that sale right away.
Karen Kerrigan: So that is another thing that we think, gee, we can work on without sort of having this partisan divide between the House and the Senate where there’s actually bipartisan support to move forward. And then trade is another thing. There’s going to be agreements with the UK and India and the EU and John, it’s mostly small businesses that are engaged in global markets and more access they have to global markets and the barriers get taken down. Then they could grow more, invest more and instead of to do what they do best for our economy. So that’s just a little snapshot I’m going on and on like a Washington person would do on the floor of the House or the Senate. My apologies.
John Jantsch: Well that’s all right. We covered a lot of ground there. So Karen, we have run out of time. Tell people where they can find out more about the SBE Council.
Karen Kerrigan: Yes. You bet, John. So, SBEcouncil.org and you can follow us on Twitter @SBEcouncil, LinkedIn SBEcouncil, the same thing for Facebook as well, SBE Council. Please follow us on our website SBE Council. You could sign up our E news for free to keep you updated on all the things that we’re working on that impact your business, small business and entrepreneurship in general.
John Jantsch: Awesome. Well thanks Karen for stopping by and hopefully we’ll see ya next time I’m in Washington.
Karen Kerrigan: You bet, John. Hope to see you as well.
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goodra-king · 5 years ago
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Transcript of Creating Policy Changes to Benefit Small Businesses
Transcript of Creating Policy Changes to Benefit Small Businesses written by John Jantsch read more at Duct Tape Marketing
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Transcript
John Jantsch: Hey, marketing today has gotten harder. There’s so many new platforms. How do you reach the right audience? Fortunately, there’s a simple way. LinkedIn can help you speak with the right professionals at the right time.
John Jantsch: Hello and welcome to another episode of the Duct Tape Marketing Podcast. This is John Jantsch and my guest today is Karen Kerrigan. She is the president and CEO of the Small Business & Entrepreneurship Council. She also chairs the newly formed Small Business Round Table, a coalition of leading small business and entrepreneurship organizations. So Karen, thanks for joining me.
Karen Kerrigan: Oh, it’s great to be here. John, thank you for having me.
John Jantsch: And I assume you’re in chilly Washington DC today.
Karen Kerrigan: That’s right. Today it’s chilly. We’ve had no consistent temperature, sort of like the policy environment and economy in general. But we’re having a pretty good day today, pouring rain. But anyway, it’s busy though for sure.
John Jantsch: Are the cherry blossoms starting to peak out yet?
Karen Kerrigan: They’re starting to come out a little early, John, we’ve got… Actually at my home right outside of Washington in Northern Virginia, my front tree cherry blossom, they’re actually starting to bloom a little bit. So I think we could have an early year. We’ve had those before where actually the cherry blossoms came out and then we had a little snow on top of them. But they’re getting there. You can see the buds. And so the national park service, I’m sure it’s hard at work coming up with the exact date of those peak blooms so the tourists can all start coming in.
John Jantsch: So let’s start with describing kind of the primary charge of the SBE Council.
Karen Kerrigan: Sure. You bet John. So we, SBE Council, we are an advocacy, training, and research organization dedicated to promoting entrepreneurship and protecting small business. We’ve been doing this for 25 years now and we have more than a hundred thousand members and small business supporters across the country and really do work on the policy and economic environment that’s going to help strengthen startup activity and small business growth.
Karen Kerrigan: So a lot is focused on policy both at the federal as well as at the state level. And we do a lot of international stuff as well. And then we work with partners, whether they are other associations or corporate partners or government on a variety of educational initiatives as well. But we’re here to support small businesses, to give them an environment in a climate where they can compete and grow and also encourage individuals to pursue the path of entrepreneurship. And obviously having a good economy most of the time, I mean obviously there’s been great businesses that started during depressions, but just having the good policy pieces in place and the ecosystem in place really does encourage people to take that risk of starting a business and there’s a lot of policy things that we’re working on that involve that.
John Jantsch: Well, so that is, I’m thinking through as a listener here, that sounds great at the global level and I know that I benefit from all of that as a business owner, but what do you tell that local business owner, entrepreneur that says, okay, well what’s in that for me? Like how does that directly benefit me?
Karen Kerrigan: Well, I guess you could drill it down to specific policies, right? So if you look at, for example, the latest Square/Gallup Survey that came out a couple of weeks ago and it asks small business owners what their biggest concerns are. It was what we hear a lot taxes, regulation, healthcare, tariffs, things like that. So on a very personal level with small business owners looking at their pain points, like, a complex tax system or higher taxes or affordable health coverage or a regulatory environment that might be too burdensome. We just work on the many pieces of that to push through reforms, to push through legislation, to push through regulatory changes that are going to lessen the burdens directly on small businesses. Whether that’d be the tax or the regulatory burden and do things that are going to create generally a better environment, business environment, so that consumers are spending, businesses are investing.
Karen Kerrigan: So it involves a lot of things because there’s a lot of different government agencies in Washington, whether it’s the Department of Labor or the EPA, the IRS. Look at… We do so much with the Federal Communications Commission because access to broadband is still a big concern and quality broadband for many business owners and entrepreneurs. And we think that’s really critical that everyone have good access to broadband. So they have the opportunity to start businesses or even quality broadband so they can take advantage of all the new tools in the platform based economy to help them better grow their businesses and compete their businesses. So it involves just, if someone thinks about their business and what their pain points are and maybe how government gets in the way, or maybe makes those things a little bit more burdensome and painful. We’re working on all those pieces to improve or to lift those burdens. So does that answer your question a little bit more? I know we could dig down into deeper issues like healthcare or anything else.
John Jantsch: I want to go there for one moment. Because that’s certainly the topic that… I mean you watched all of the political conversation, it seems like forever, it’s not just now. Healthcare gets batted around by every side as the big issue. And I think it’s probably one of the biggest questions for certainly employers in the small business space. Where do you see the future of that? Because it feels, when you listen to people talk about healthcare and in this country it feels a little bit unstable.
Karen Kerrigan: It does, because it’s almost like you have, well the government’s going to run it or it’s not, you know? It’s Medicare for all or… Well it is a little bit unstable but as we’ve worked on this issue for the past three or four years, even with the Obama administration as we have on a number of issues, making some good headway on a range of things. We do see light at the end of the tunnel. Some of the initiatives that we’ve worked on which has come to fruition include things like allowing for association health plans or for businesses to pool as part of an association or altogether where they can leverage their numbers to negotiate for more choices and more affordable prices in healthcare. And so we’re beginning to see more and more association health plans come to life.
Karen Kerrigan: I saw for example, the National Association of Manufacturers just started a big association health plan. You’ve got the restaurateurs who are starting them, you have many state based associations who are beginning to start these association health plan. So we help push that regulatory change forward over the last couple of years. But then once it gets enacted, John, these things, there’s lag time, right? And until like the regulation becomes final and then sort of the market responds to that. So that’s one area where we do see some improvement where there was some extra taxes as part of the affordable healthcare act. Some people call it Obamacare. We had a really good success last year where we’re able to, as part of the year end package that passed both Houses of Congress and signed by the president. We’re able to repeal the health insurance tax, which was a tax on insurance companies, but really it directly hits small businesses.
Karen Kerrigan: It was targeted towards small group market and so that’s been lifted and we should see some relief for small business owners over the next year or so. A lot of little things like that that are taking place. Short term plans, which are not for everyone, but we believe that transitional plans in the marketplace. If you’re currently work for a business, either a big business or another business and want to start your own business and you want to have some type of health coverage, making these short term limited duration plans, these transition plans a little bit more practical really helps that person to take a risk and say, look, I’ve got something, I’m ready to jump out in the marketplace. Because actually not having healthcare is a big reason why a lot of people don’t start businesses. But it could, as you know John, you’re right.
Karen Kerrigan: I mean, like you said, it looks like we’re a little bit of turmoil. It depends on the election and what happens in 2020 because most of the candidates, the democratic candidates, have some form of Medicare for all or something like that, or Medicare for some, as I call it. And that will mean more government control of the health care. And from our perspective that is served in many instances to drive costs higher. But there have been some gains made, there’s more to come. There’s definitely more that needs to be done. But there’s a host of things that have been done that were just, the market really has to start embracing these and there’ll be more access to this type of plans by small businesses once we see the associated health plans go full board.
Karen Kerrigan: But the other piece of that, John, I don’t need to belabor this, but is that some of the States are actually suing the government on association health plans for example, and saying, well, the Trump administration exceeded its statutory boundaries. It doesn’t have the right to do this. So when there is a lawsuit involved, that sort of stops some of these things from actually reaching the market. But your observation is absolutely correct in terms of there is turmoil. And I think we’ll continue to see that if we do have some big election changes in 2020.
John Jantsch: Did you know there are over 62 million decision makers on LinkedIn? Yeah. And even small and medium sized businesses are making the most out of LinkedIn ads. They’re using LinkedIn to get their voices heard and their messages to resonate with the audience. And it’s not just about awareness either. LinkedIn ads are driving traffic and engagement. If you want to check it out, try for yourself. LinkedIn is offering a free $100 LinkedIn ad credit to launch your first campaign. Simply visit linkedin.com/ducttape. D-U-C-T-T-A-P-E that’s linkedin.com/ducttape. So there’s some terms and conditions that may apply, but I urge you to go check it out for yourself.
John Jantsch: So move on. Let’s move on to another topic.
Karen Kerrigan: Yeah.
John Jantsch: We as a society, country, move more and more to knowledge and digital workers, one of the real challenges I’m seeing with a lot of businesses that still need skilled labor, they’re really having trouble finding it. The remodeling contractor is having trouble finding carpenters because people aren’t going to school to be carpenters anymore. How would you suggest, I mean, I assume we’re still going to need remodeling contractors for a while. What are you hearing or what initiatives are you working on really to try to kind of keep those types of industries and those types of training programs afloat?
Karen Kerrigan: You’re right. John, we hear this from every single one of our members and when I travel the country, their biggest challenge or their pain point is, I talked about taxes, regulation, healthcare, but that was more involved with like sort of on the government side. But in terms of the operation of their business it’s their number one issue. It’s finding and keeping the employees that they need to operate their businesses. And many of them are missing out on growth opportunities because they just can’t find the people, the skilled employees or even the employees to work in their businesses. And that’s across all industries. It’s one of these issues, I think, that really is… there are no short term solutions to it. But I think a lot of what the Congress on a bipartisan basis has done to work together along with the administration. I think are really making a difference or will make a difference and have in terms of expanding and modernizing a lot of the apprenticeship programs to include more high tech to include more of the workers that are going to be needed to build out 5G, the 5G infrastructure in this country.
Karen Kerrigan: We anticipate 120,000 more workers are going to be needed, skilled workers, to build out 5G which is incredibly important to small business and to our competitiveness to have that next generation of mobile networks. The other pieces is modernizing some of the laws. For example involving grants, Pell grants and student loans is student loans have primarily been given to students who are going to four year universities. Well why can’t we change that where students can use those type of resources or those funds to do some type of training program, apprentices training program to pursue the training that they need to go into a skills trade. I think the big piece also is it’s culturally it’s just the value of all work. And that starts a lot as I meet with small business owners throughout the country and we’re in some of these small towns a lot is, well gee, the parents are saying, well you have to go to college or you don’t need… you shouldn’t be working in this manufacturing plant, it’s harbor.
Karen Kerrigan: It’s like they’re, in terms of this type of work, I mean it’s good paying work. It’s sort of like what the child’s passion is or what they want to do. The parents, what they want the kids to do shouldn’t replace that. So I think it’s really this whole value of all type of work in this country and look at the wages are getting there. I mean they’re becoming very competitive for all this type of work. And then of course immigration. We’re big supporters, we’re a pro-immigration organization. We do believe that there does need to be immigration reform as some of the programs, the H1B visas and all of that. But we also support increased immigration into the country because if you’re going to have a growing economy and if we’re going to have increased jobs, we need more people to come into the country who can fill those jobs. So we’re fully supportive of that and we continue to push more immigration as a solution to our workforce shortages.
John Jantsch: Are there any policies or regulations that you’re working on right now that are kind of hot for you because you feel like they’re really holding small businesses back?
Karen Kerrigan: Well, yeah, there’s a number of them I think on the… Well, one big piece that we work on in terms of encouraging entrepreneurship and supporting small businesses to scale is access to capital. And it’s one of our core issues that we’ve been working on. We, unfortunately there was a huge bill jobs act 3.0 that passed the house in the last Congress. Only four people voted against it. And it was a package of about 30 bills that would improve a lot of the securities laws to make them more modern and it would improve capital markets, capital formation and that didn’t go anywhere in the Senate unfortunately. So we’re working from scratch and we are building support both at the FCC and also in both houses on making some more improvement to debt inequity based crowd funding because we led the charge on making debt inequity based crowdfunding legal.
Karen Kerrigan: It took four years John, to get those regulations implemented. It was crazy, but now we’re starting to see some legs and some momentum around crowd funding, about 2000 startups or small businesses have used title three crowd funding, which is allowing ordinary investors to invest in the businesses that they believe in on regulated platforms. And this is a good thing, but it’s still a little bit too regulatory, still looks too costly. We want to increase the amount of money that can be raised from one million to 10 million because the average seed round for a startup is about 2.5 million. So that is something we’re working on in terms of taking this proven model, there’s been no fraud and saying, gee, we’ve got to make this better and we need to make it better for more businesses and more practical for more businesses to use.
Karen Kerrigan: So that’s both a regulatory and a legislative thing. We also are working on with the National Labor Relations Board on what’s called the Joint Employer Rule, which sort of makes a very restrictive around the definition of an employee and whether they’re an independent contractor and the relationship between the franchise and the franchisee and it’s really hurting entrepreneurship and new franchise development and basically lot of compliance burden involved with that. So the NLRB, the National Labor Relations Board should be coming out with a new rule on that. And we’re working on that. And then there’s a lot of regulatory things the Trump administration is doing and that’s where the action is going to be, John, because we do see this stalemate between the House and the Senate this year and there are some regulatory improvements that the administration is working on in terms of the National Environmental Policy Act that would modernize that and make it easier for projects to be improved.
Karen Kerrigan: This is really important to building out our nation’s infrastructure and getting some of these stalled infrastructure projects going. That’s a big initiative of ours. And we’re also working on, well there’s a whole host of things that I would encourage people to visit sbecouncil.org to sort of take a look at our agenda. But we’re also very much involved with getting… we’re moving barriers to 5G deployment so that we can get this next generation of mobile networks up and going. So we have faster speeds, more wireless service choices, more affordable speeds. It’s going to be really transformative for small businesses and entrepreneurs to have 5G to allow them to use augmented reality and virtual reality. To have customers to be able to actually try on clothes in the comfort of their own home or actually engaged with their products and services so that they can make that sale right away.
Karen Kerrigan: So that is another thing that we think, gee, we can work on without sort of having this partisan divide between the House and the Senate where there’s actually bipartisan support to move forward. And then trade is another thing. There’s going to be agreements with the UK and India and the EU and John, it’s mostly small businesses that are engaged in global markets and more access they have to global markets and the barriers get taken down. Then they could grow more, invest more and instead of to do what they do best for our economy. So that’s just a little snapshot I’m going on and on like a Washington person would do on the floor of the House or the Senate. My apologies.
John Jantsch: Well that’s all right. We covered a lot of ground there. So Karen, we have run out of time. Tell people where they can find out more about the SBE Council.
Karen Kerrigan: Yes. You bet, John. So, SBEcouncil.org and you can follow us on Twitter @SBEcouncil, LinkedIn SBEcouncil, the same thing for Facebook as well, SBE Council. Please follow us on our website SBE Council. You could sign up our E news for free to keep you updated on all the things that we’re working on that impact your business, small business and entrepreneurship in general.
John Jantsch: Awesome. Well thanks Karen for stopping by and hopefully we’ll see ya next time I’m in Washington.
Karen Kerrigan: You bet, John. Hope to see you as well.
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foulfurywombat-blog · 6 years ago
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"Lusby Maryland Cheap car insurance quotes zip 20657
Lusby Maryland Cheap car insurance quotes zip 20657
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Hi, I was looking into getting a van as a first car, ideally I was after something like a van/car cross, basically an estate with no back windows, I'm not sure of the group. I was wondering what decent vans are out there and what would be cheapest to insure? The main reason for wanting a van is I regularly surf and would sleep in the back occasionally.""
Lusby Maryland Cheap car insurance quotes zip 20657
Lusby Maryland Cheap car insurance quotes zip 20657
How much does a new car affect your insurance?
my insurance stands right now at like 150$ a month, i have my N. my car right now is way old and want a new one. i want to buy a classic - 2002 mustang convertable, i want it to be an older model but newly built, will that increase my insurance alot like if i had a 2009 car or not bad. an example of what id want it look like is this : http://www.netcarshow.com/ford/2002-mustang_gt_convertible/800x600/wallpaper_02.htm""
Can you insure two people separately on the same car?
My girlfriend is doing her lessons and driving to work and having her own car would cost more than it does to get the bus with price of parking, and I don't want to put her on my insurance so would she be able to insure her self on my car as well on a different policy?""
Can you buy health insurance in California if you don't have a Social Security number?
It seems like in the USA, you can't do anything without a social security number... Can you buy health insurance in California if you don't have a Social Security number? If yes, please let me know where/how? I won't be able to get a social security number for another 6 months or so... Thanks in advance!""
Does anyone know of any good health insurance for newborns and children in southern california?
I need to get my 2 month old health insurance and there are just too many. I would like to know if anybody has health insurance for their kids and is happy with it.
Dental Insurance question?
On my dental insurance card, I have a primary care dentist listed on it. Does this mean that I must go to this dentist in order to have the insurance pay for my appointments or can I go to any dentist that accepts my insurance without having to switch my primary care dentist and still receive the insurance benefits? Will the insurance cover less if I don't go to the primary care dentist? Thanks!""
Can I cancel my Life Insurance policy with Northwestern Mutual?
Hi I was just wondering if I could cancel my life insurance with Northwestern Mutual just cause I can no longer afford it. Even if they try to reduce it I just can't afford it. Do you know if cancelling the life Insurance is easy?
Is it true you dont need a license or insurance to drive a scooter?
Im interested in buying a scooter because i have heard you dont need a license or insurance to drive one. I need a way to get to work easier (right now i take the bus) and i cant afford any kind of insurance right now. I dont have a car and i dont have a drivers license. Plus from what i have seen scooters are way cheaper then cars. why dont you need a license for a scooter and what is the difference between a scooter and a moped? I think i read you DO need a license for a moped but not a scooter.
Good insurance companies for 17 year old passed my test!!?
ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""
How do pilot insure themselves in the USA?
Is that covered by the owner of the airplane or do they need to have their own personal insurance?
Is your insurance affected by a traffic misdemeanor in california?
So I got a ticket today and got in trouble for two things 1) Expired registration sticker (I had a 2010 registration sticker, I was just lazy and forgot to put it on) 2) I don't have my year yet, but I still had two other passengers in my car. Apparently you can only take passengers under 21 years old in your car after you've had your license for a year. Anyways, my dad is really pissed about insurance rates or something. Do they go up for the ticket I just described? On the ticket, it said the only non-correctable traffic violation was the two underage passengers in the car.""
Insurance.?
Does anyone know how much SR-22 Insurance Costs?
""Florida law - Florida license, no car, so no insurance?
If someone with a Fl driver's license who doesn't have a car so doesn't have car insurance is involved in a car accident while driving someone else's car. Does the car owner's insurance cover the uninsured driver?
How much does car insurance cost?
I am 17 years old and looking to get a car immidiately, althought I've only had my G2 for a week. I'm looking to buy a 2door Pontiac sunfire, anywhere from 1998-2002. My dad is a single parent, with one vehicle, and a perfect driving record. How would me and my dad go about to find thr cheapest insurance possible? Would I be the primary driver on the car? How much does teen insurance under a parents insurance usually cost per month and year? THANK YOU! EASY BEST ANSWER GETS 10 :)""
Is there any affordable Car Insurance for 16 year olds?
PLEASE READ: The problem is this. I'm 16 years old, and I really would like to own a car. But the problem is this. When your 16 and you first get insurance, it is super expensive. I have a brother the same age who would also like a car. But I have a single mother. If we have 3 cars and 3 people on one policy, that means it will cost over 10,000 dollars. I know I have to take a defensive drivers course to get 10% off, and I should get honor roll (But that'ss too hard). I've suggested that we get minimal coverage, but my moms the kind of person who thinks she has to pay a lot of money to be covered. Because she won't take minimal coverage, Now I can't have a car. What is the name of a car insurance company that is very affordable but does not make you go on minimal coverage to afford it? If you want, you can tell me what it cost you so I get a best estimate. Thanks.""
What is the best rated auto insurance in California and why?
I'm having trouble finding ratings by people regarding their auto/home insurance. I'm located in Southern California. I don't mind paying a premium for better coverage.
How much does accutane cost without insurance?
Im planning on possibly going on accutane by january if my skin doesnt clear up.... i will buy the cheapest generic accutane i can find, But how much will it cost for bloodwork, dermatologist visits, the pills, etc...etc... i herd it could be pricy but personally i dont care i just want to get rid of this 5 year long acne.....""
Health insurance for 18 year olds?
im 17 turning 18 in may and im wanting to know what are some affordable or good health insurance for an 18 year old
What is a typical range of costs for teen auto insurance?
I have to say - this field is RIPE for a good consumer survey that gives some general ranges of insurance by state or region. Nearly everything online - (correction - EVERYthing) on line links to get quotes from insurers (commercial sites) . Fine, but suppose a kid is in the early stages of learning about cars and parents are new to the kid driver insurance game and they just want to get a feel for ranges of prices based on region, car type, first time driver, male/female, etc. Let's assume a modest new car in the $25,000 new range and a responsible kid with middle income family - good insurance history. The new driver is added to current parent policies. Is the range $1000 to $3000? Or narrower ... $1500 - $2500.""
Who thinks the health insurance waivers means that companies don't have to provide health insurance?
You'd be wrong. Care to understand why? http://www.whitehouse.gov/blog/2010/12/10/truth-about-health-care-waivers The bad news is that today mini-meds are often the only affordable option for many low-wage workers because retail and chain restaurants rarely offer their workers options beyond these plans. And because mini-meds are built around annual limits, estimates from employers and insurers indicate that beginning the phase out of annual limits this year would cause mini-med premiums to rise by more than 200 percent, forcing employers to drop coverage and sending many low-wage workers to purchase insurance on the more expensive individual insurance market, where they would get an even worse deal than what they have today. The result would be a whole new population of uninsured Americans. To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary waivers from the phase out of annual limits. There are some important facts to remember about these temporary waivers: The waivers only apply to one provision of the law  the provisions phasing out annual limits. Insurance companies and employers that receive waivers must comply with all other parts of the Affordable Care Act. The waivers last one year. Insurance companies must reapply for the waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets. All employers and insurers that offer mini-med plans may apply for a waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers here.""
Has anyone bought car insurance that deals with people who have points?
I am 20 years old turnin 21 next year march. And I got 6 points in january. Now its impossible for me to get car insurance on my ford fiesta 1.3 2002 plate, they are askin me to pay 6000 pound for insurance. I was woundering if there are any car insurance companys that deal with people that have points?""
About a car insurance..?
I've just got an instruction permit and wanna take a spin for the first time. But I'm concerned if it's ok to drive a car without my own insurance. The car is my mom's and I'm not sure the car itself is insured or she is.
How much is motor trade insurance?
I know this is a bit of a vague question! I am 26, clean license, 1 years no claims and would be working from home buying and selling 5000-10000 cars. Any ideas or how much do you pay if your in the trade yourself? Cheers.""
Anyone have/had Sameday Insurance?
I have Geico and thinking of switching to Sameday Insurance. I was wondering if anyone can give me reviews about them. They are offering a very affordable quote for a premium coverage.
I want to name my new insurance company?
i want to name my new insurance company
How much does motorcycle insurance typically cost in Ontario?
I'm a student and I can't afford to keep a car, with the gas and insurance costs, and a car is expensive. But a motorcycle I can afford for the warmer months. All i don't know is insurance prices, so how much is it usually around?""
Lusby Maryland Cheap car insurance quotes zip 20657
Lusby Maryland Cheap car insurance quotes zip 20657
""Where can I find an affordable therapist in Orange County, CA w/no health insurance?""
I'm looking for a therapist in Orange County, California for depression and severe anxiety issues, but I have no health insurance. Can anybody help me figure out who I should talk to/where should I look to get affordable therapy?""
I want to start a health insurance company how would I go about doing that?
I want to provide people with an affordable insurance that will also pay fair rates to the pharmacies and hospitals. I used to work for a pharmacy and saw how if the customer got a good price on a drug then the pharmacy got screwed over and vice versa. This needs to change, please help me make that change.""
Would a 1.4 honda civic be an ideal car for a new driver?
17 year old. Male. Would it be wise getting a 1.4 civic say 1999 plate for a first car?
I have allstate insurance right now and im paying way too much anybody know a good cheap insurance company?
I have allstate insurance right now and im paying way too much anybody know a good cheap insurance company
""I had full coverage auto insurance, my policy lapsed for 2 days & during that time I had an accident am I cov?
The Insurance company is Coast Insurance in California. The accident happened during the 2 day lapse period. I have been with the company for approx 10yrs
Totally outrageous car insurance quote?
I had some issues paying my car insurance and it was cancelled. I called by ins company today to renew it. They told me they couldn't renew my policy but they have a buddy company that can give me an insurance policy. So they get all my info and they quoted me 730 dollars a month! I understand I have bad driving history and I let my insurance get cancelled, but that doesn't seem right at all, I was paying 100 dollars a month before. That doesn't even seem like a real number to charge someone for car insurance, it's more than I pay for rent!""
How does life insurance for a baby work?
I am a teen mom. I am keeping my baby (please no rude comments, just answer the question.) I don't know how life insurance works though. And I don't know if I qualify for Medicare because my mother has a high income, but I on the other hand am not working, or making any kind of income. Please inform me on how I would get life insurance for my baby!""
What are the benefits of Antique Car Insurance?
Or Collectible Car Insurance, whatever you want to call it. And is it cheaper than typical insurance? (Though I doubt it)""
What is the cost of insurance when renting a car in USA?
Hello, I want to rent a car. I do not own a car and nor the insurance. I want to know how much I have to pay for the insurance cost. I am above 25yrs of age. Thanks.""
Anyone know a cheap Health Insurance Cover for myself?
Im single, 27 years old and living in Victoria/Melbourne""
How much is motorcycle insurance per month on average?
The kicker: I'm only 18 and will be on my own policy, not my parents. I am at the top of my class, no tickets or anything, etc. (if any of that helps).""
What's the best insurance option for a private car collector?
What's the best insurance option for a private car collector?
How much is MOTORCYCLE INSURANCE?????
I am 23. I want to get a sports motorcycle. How much will my insurance be?
What type of bike have the cheapest insurance?
Obviously a Harleys insurance is going to be huge, but what would be cheaper a 125cc supermoto, a 125cc naked bike or a 125cc sports bike? Also what make of bike would be cheapest like yamaha or Suzuki, but none of the Chinese crap""
Does the mazda 3 have high insurance costs?
just wondering if it would be in the sports car range or the sedan range?
How do i get an insurance quote?
Hi, im wanting to get a quote on car insurance for when I'm 17. I'm currently just about to go 16, yes, I'm aware that it's a little early to be looking into cars, but I'm really curious as to how much I would need to save etc. So if anyone knows of any sites I can get a quote on without signing up or anything then it'd be appreciated very much! Or even if anyone could give me a ballpark figure on how much a 2008 Vauxhall Astra 1.4i 16V SXi 3dr Sport Hatch would cost. Thanks :)""
Health Insurance?
I've recently changed jobs. The job that I have right now doesn't offer insurance at the moment. While looking for affordable health insurance I got injured playing soccer (I was diagnosed with torn ACL). Any idea what shoud I do now? According to the doctor the surgery can wait few months. Should I hide my injury from the insurance company and get the insurance, then after some time fix my knee etc? Please help.""
Does any one knows if a time requirement exist that you have to notify your car insurance co. if you're hit?
My car was hit in a parking lot. the other driver told me to get an estimate for the damages and he will write a check. if the cost is too high, his insurance co will pay. do I have to tell mey insureance co. about this? is there a minimum time that I have to tell my insureance co? thank you.""
Car insurance for teen?
My dad says that by me getting my permit(haven't got yet) his insurance deductable will go from 200$ to 500$. I need help with finding a popular insurance company that has low-cost coverage for teenage drivers.
How much should car insurance cost?
i am 17 and live in London. i have just passed my driving test and i'm looking for a car and insurance. i am not bothered about how bad the car is but i can't find insurance anywhere which i can afford. does anyone have advice?
""What is the MAX for pain and suffering, coverd by insurance companies in CA?""
What I'm trying find out is what is the max, and what is fair, and what is likely, to get from a car accident? IF you know someone that knows forward this to them please!! I have over $10K in Medical and another 10K for missed work, plus I'm still not back to 80% moreover, am still in pain 90% of the day and night, 18 months later. So that is that worth?? If you asked me its millions, but I was told $35,000 was the max the insurance company will cover. Which is all the lawyer will really go after, right?? The insurance is offering to pay out 35K now, what do I do!! I could hire a lawyer, but would I get any more! I think not!! Moreover I would net less; after the lawyer takes their 30% and expenses, right?? What should I do and how to do it?""
Cheapest car insurance for 1.4L Polo - 17 years old.?
i have a 2001 Volkswagen Polo 1.4 Automatic i cant get any automatic small engine cars, the smallest is 1.4L, theres the 1.0L auto Vauxhall Corsa - but i don't want that, everyone has it. What company does the cheapest insurance? Quinn Direct have gone bust. UK""
Can you have be under two car insurance companies at once?
My dad is considering in buying another car(ideally for me to use) but to avoid the high cost, he wants to be listed as primary driver to both. It seems that usually when youre under one company, I will most likely be forced to be primary on one of the vehicles. So would it be possible to be under two different car insurance companies so that my dad can be primary for both or would this be considered a type of fraud or something illegal?""
I just got an expired registration and no insurance ticket.?
I just found out my registration expired back in Oct of 2008. I don't pay insurance because it is a scam, they don't help you when you need it, and they hike your rates when you claim something even though that is what you pay them for in the 1st place. But I had 2 stickers on my car. One that said November 11. and one that said October 08. So I thought that the newest sticker meant that is when the experation was. But the officer said November is the 11th. I am like yes, but why would they write the number down when you can read it right there? That means 2011. On top of this, I never got a notice from my dmv. so now I have to go to court over this miss undestanding and I can't help but feel I just got cheated by the police and the DMV because they failed to properly lable their sticker and failed to give me a notice. I checked my tags just a month ago in fact which is why I knew it expired in 2011 but the officer just refuses to see it as a miss understanding. Is there a legal service I can go through to get this ticket written off as a zero considering the fact I pretty much just got screwed due to the way the laws don't actually protect the innocent?""
If i get insurance for a car that is registered to my father can I get plates from DMV?
If i get insurance for a car that is registered to my father can I get plates from DMV?
Lusby Maryland Cheap car insurance quotes zip 20657
Lusby Maryland Cheap car insurance quotes zip 20657
How much is home insurance for a log cabin in North Georgia?
I'm interested in purchashing a log cabin in the North Georgia mountains. How much would home insurance cost if the home is approximately $160,000?""
Is your insurance affected by a traffic misdemeanor in california?
So I got a ticket today and got in trouble for two things 1) Expired registration sticker (I had a 2010 registration sticker, I was just lazy and forgot to put it on) 2) I don't have my year yet, but I still had two other passengers in my car. Apparently you can only take passengers under 21 years old in your car after you've had your license for a year. Anyways, my dad is really pissed about insurance rates or something. Do they go up for the ticket I just described? On the ticket, it said the only non-correctable traffic violation was the two underage passengers in the car.""
How much is a g35 coupe insurance?
I am a 17 male and am about to buy a 2004 g35 and was wondering how much insurance was. I have a clean slate, no accidents or tickets. I have farmers insurance and was wondering how much my monthly insurance would be roughly? I have a good gpa of above 3.0 so doesn't that give me a discount?""
Maternity leave- short term disability insurance?
Is there a private company that offers short-term disability pay? I am not pregnant, but I plan on getting pregnant within the next year. My employer does not offer short-term disability, and the only company I have found that offers STD coverage is Aflac. With Aflac, it HAS to go through the employer, and my employer said no. Does anyone know of any way to get private coverage through any insurance company for maternity leave if your boss is a douchebag?""
What does health insurance cover?
i recently turned 18 and am in need of Knee surgury. if i got health insurance right now, would it cover the surgury? or would it be like trying to get a totaled car insured? if insurance doesn't cover it, what should i do? i live in NJ.""
What is the best car in group 16 insurance?
I have been offered a company car at work and can go up to group 16 insurance. I do a lot of miles but would like a sporty responsive feel. Thinking about a Cooper S or dare I say it one of the pokey diesels..! Any suggestions.....?
What is the cheapest car insurance in Ohio?
What is the cheapest car insurance in Ohio?
How can you find out how much your car was when it was new?
My insurance company needs to know how much my car cost when it was brand new so they can give me coverage quotes. I did not buy it new, and it is a 1999. Anyone know the best way to find this out? It is a Chevy Silverado 4500 extended cab. Thanks!""
Auto insurance what gender is cheaper to insure?
Hello everyone well i have a question regarding auto insurance me and my wife are considered new drivers now its been awhile since we had a policy i realise women typically get better rates however will she get a much better rate or just slightly better i am 42 and she is 28 and we both have good driving records
Health insurance?
i need health insurance that is affordable to me. i am willing to spend 30-100 dollars a month. i just basically want something to cover my dental and doctor . it can be network far as i car i dont really need ppo. i also want it to cover some of my presciption.
How am i meant to afford car insurance?
OK, Im working at island, earning minimum wage. Im at uni and Ive got to pay out 330 every term to pay my train ticket. Lucky Im staying at home so I dont have any rent. Nor am I going out drink anymore. Im looking to buy a car, to get around, get to work easier etc. How I cant see any way for me to afford this. My parents wont help, saying no one helped them. This is understandable as they are keeping me for free, although i clean the house as rent. Im just wondering if anyone knows anyway I can get insurance cheaper (I have pass plus). I just dont really want to get a loan for a car and insurance.""
Insurance for a 1994 camaro?
I am 16 and have had my liscnse for almost 7 months now and have had no accidents. I want to buy a 1994 camaro but not sure what insurance will be. It is a v6 3.4L. About how much will insurance cost me? What about if the car is under my parents name?
Insurance in Queens?
I live in Queens, New York (I'm 27). I have a Toyota Camry 1997. I only have liability insurance but for some reason I pay ridiculous insurance - I pay around $330 a month (have ...show more""
Where to get updated car insurance papers?
ok so i had no idea about the expiration date on the insurance papers. how do i get updated papers that i can put in the car.
How to get low mileage discount from Progressive auto insurance?
I know that many companies will give a huge discount on your automotive insurance premiums if you supply them with proof that you drive far fewer miles than average. I understand that the best way to do this would be to mail a copy of recent vehicle inspections so that they can officially see the low mileage driven over time. However, Progressive does not mention anything, anywhere about low mileage discounts. I have been told you have to ask for this, or else you would never know it is possible. Does anyone have any knowledge, advice, tips, etc regarding this? Furthermore, does anyone know how you would go about this specifically with Progressive?""
Car insurance from another country?
is it legal or can it be done..? if i live in the UK can i join a French / German / Spanish car insurance firm in there own country's,and still drive on British roads? im sick to death of paying over the odds prices in this corrupt country its a joke . been driving for 12 years with no claims and they still want 1.500 for a 1.3 brava. so is it my human right to choose one from another country..?? bit like the woman landlord ordering the football from another country cheers""
best insurance provider for a learner driver?
im a 17 years old what is the best insurance provider
How to apply for a government health insurance?
my friend is on a student visa and she is to stay here for 8 months. She wants to apply for a health insurance just in case anything happens to her stay here in California. What are the steps to apply? is there a certain website where she can look for it? Does it include the medical, dental and visual insurance too? thanks""
18 year-old female in Florida (Manatee/Sarasota area) looking for car insurance.?
I am looking for inexpensive car insurance for a 2007 Scion tC. I have had no tickets nor accidents in the two years that I have had my license. Oh and I will be 19 in two months. Any help will be appreciated.
Do i have to make a down payment on my car insurance?
i am buying my first car at the age of 18. i want to go on my moms insurance policy with the car in her name. i will pay for it myself though. from what i know, this should be cheaper if the car is known to be hers with me as a driver. when i add this car to her policy, will i have to make a down payment?""
Would it really cost me a lot more insurance?
I have a 93 camry and I'm trying to look for a new car to replace it. I asked my insurance company about the cost of insurance for a 2009 honda civic EX sedan 4 door and it was 536 every 6 months. Researched that car more to find out it was in an accident so scratched that car out of the picture. I found a 2007 honda civic EX coupe 2 door and no accidents and i see nothing wrong with it. They are both EX but the coupe is older. Would the insurance be much of a difference?
Im 19 and look for a cheap car with some power but quotes below 900?
im 19 year old i got my full licence for 2 years now and im looking to buy a car a cheap second hand one any would be good to be honest just need it to be 1. big so people can fit in comfortably 2. reliable 3. good mpg 4. not ugly 5. 1 litre - 1.4litre 6. and ermm it must be a car nice to drive and can go on motorways without struggling thanks i was thinking about a vw polo or a vw golf but im not sure if they would be cheap on insurance thanks :)
How much might insurance cost for an 18 year old for a middleweight cruiser?
I would like to buy a cruiser but am not sure if the insurance is too expensive.
Should I get mortgage life and disability insurance?
I just bought a house on my own and the bank is asking me if I want to get mortgage life and disability insurance. I've got life insurance through work (plus separate life insurance on my own) and disability insurance through work which is at 75% of my pay after 4 months. The mortgage and disability insurance is $47/ month. Do most people get additional insurance on the mortgage? I don't have any kids, husband, parents or siblings living in the same country (they're in Europe).""
What is the best Car insurance?
I'm a 16 year old student and i've noticed that car insurance is very expensive. Whats the cheapest insurance i can get, that covers a lot of situations?""
Lusby Maryland Cheap car insurance quotes zip 20657
Lusby Maryland Cheap car insurance quotes zip 20657
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Arlington Virginia Cheap car insurance quotes zip 22243
"Arlington Virginia Cheap car insurance quotes zip 22243
Arlington Virginia Cheap car insurance quotes zip 22243
BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 
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""Car Insurance costs for a 17 year old in Las Vegas, Nevada?""
I will be getting my license early next year and I will be 17 years old. I am a male, and I get decent grades. Usually alway's A's and B's, maybe one C. I plan on getting an SUV, particularly a 1999 Ford Explorer with over 100,000 miles from my uncle. What would your estimate on insurance costs be? How do I apply my good grades to my insurance policy? Would it be cheaper to go on my parents account? Thank you, Damon Reis""
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im 18 and just passed my driving test, but unsure of what car(s) are cheap on insurance and road tax, is there a site i could go on to find the information i require?""
How much will my car insurance be?
I can't drive, YET! I really want to learn, buy myself a Renault Clio. But.. I'm worried about car insurance! I heard you can buy insurance with a provisional licence to make it cheaper; how does this work? I'm 20. Female. Assistant teacher. Living in London. Id love a little Renault Clio, just scared of costs. THANKS!""
Is there an affordable health insurance plan for someone who doesn't make a lot of money?
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First time buying car insurance?
I'm looking to go on my own Car insurance plan, Unfortunately I have no idea what a decent plan should cover. So what're the basic's that I should add to my plan?""
What is the legal cost of a ticket for not having any car insurance in the state of ala?
What is the legal cost of a ticket for not having any car insurance in the state of ala?
""I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
Change car insurance name and registration?
My car is registered under someone elses but I've been m aking the car payments since the beginning... I just got car insurance myself with no help from her(my friend) but the policy is in her name but I'm down as a driver... Is there anyway that I can be the policy holder eventhough its not in my name.. also I plan on moving but taking the car I still have quite a few more payments but I dont want to leave with the car not registered to me is the anyway I can get the car in my name and still pay it off
What is the best car insurance company in North Carolina?
Hi. So I recently moved from New England to North Carolina. I have my 2002 Toyota Camry. It was my Dad's and is still under his name. However, I want to get the title in my name hopefully by early 2014. That means paying for insurance too. I figure I'm going to have to do this soon, might as well do it now and learn more responsibility. My parents are paying for my car and their cars under MetLife. (Yes, the one with the Snoopy logo). They are paying about the same plan they did in Massachusetts. I know North Carolina has more competition in pricing and I want to shop around for a decent plan that gives me what I need but for a better price. My Mom is hysterical and doesn't want me to go anywhere else because she think NC insurance is crap. I like that MetLife gives me what I need but I'm not paying more than I have to in insurance. Sorry Mom. So my question is. What is the best car insurance company in North Carolina? Any suggestions. I would like a company that offers affordable plans but also is a reliable company when I need them. Please NO cheapo discount insurance. Here are my only two liabilities in my driving history: 1. Got into a minor car accident in October of 2011. Just a paint smear with another car. Nobody was hurt and neither car got in worse performance condition. 2. Got a seatbelt violation ticket in January 2013. (It was actually for speeding but the cop went easy probably because he saw I was wearing a suit. I was on my way to a family memorial service near the South Boston area.) Any experiences? I mean, what is my Mom worried about? I never hear in the news about people dying because they have NC car insurance. I know there is cut rate (bad) insurance out there because of competition. But there's got to be something better in NC than paying a Taxachuetts MetLife plan. (Sorry BayStaters, but you know it's true) Thank you!""
Is there anyone in california that helps people with claiming insurance from the other party's insurance compa?
My wife and I were crossing the street in San Francisco when we were run down by a cab. Police report says cab driver is at fault. Problem is we're about to head back to our country (we're tourists) and need help settling obligations with the hospital by claiming damages from the cab company's insurance company. While we're back in our own country. Is there an office that assists foreigners with claiming?
Car insurance n registration?
i had just bought a used car n i was wonderin to get the car registered do u need the insurance first or is the other way around??? help i dont want to go into the dmv not knowin
How much would an 1996 Acura Integra GSR 2door insurance cost for me?
Im 19 years old, in college living in Los Angeles and i want to buy a GSR Integra. And i want to know Approximately how much Insurance would cost for me? ...Thanks.""
Cheapest insurance?
what is the cheapest car insurance in Hamilton Ontario Canada if i was 19 years old and i got the g2 3 moths ago?
What is the best type of renters insurance available in California?
I want to get renters insurance in California, any good affordable ones available? I noticed nationwide and statefarm are not available here. I am using Geico for car insurance. TIA!""
How do i get car insurance if i dont have a car???
i want to finance a car but i cant do that without insurance, how do i get insurance without a car?""
Cheapest insurance company for teenage boys?
im a teenage boy in new jersey whos about to get my license, im looking into getting my own insurance but im not sure which company to choose. ill be getting a brand new car and my grades are good, so does anyone have an idea how much itll cost me annually?""
If I live with my mother and my father is buying me a car will his insurance cover me?
My parents are divorced and my mother has custody of me. My mom's boyfriend bought my older brother's car. So my dad said he'll buy mine. Will his insurance cover me since I live with my mother? Or will I have to pay the insurance to my dad and pay insurance to my mom since I live with her? So basically I would be paying them both for insurance according to my mother. The car will be in my dad's name.
""Can I drive without insurance, if the car itself is insured?""
It's my dad's car. The car is insured but i am not, as in. I use to be on the same policy as my dad, but now i am off of it due to money problems. But the car I drive is insured under my dad. Is it legal to drive it? (CA)""
Is minimum coverage car insurance the same as an SR22?
In Tennessee, is minimum coverage car insurance the same as an SR22? I already have minimum coverage but am now required to get an SR22. Is this something that needs to be added on or will minimum coverage suffice? Thanks.""
Dental insurance and plans?
i live near houghton lake michigan, and i need to see a dentist badly!! i lost my dental coverage when i turned 21, and because of my age change, i am no longer able to get free dental coverage through my state. i have 3 children all under the age of 4 that need me, and because of the pain im experiencing it is extremely difficult for me to take care of them!!! i have 5 cavities, and 2 impacted wisdom teeth. i brush every day, but i keep getting problems with my teeth. i am on a very tight budget, and cannot afford to pay out of pocket fees to go to a dentist. does anybody know of affordable plans or insurance? or if anyone is familier with the area that knows of a dentist that accepts sliding fees? any help would be awesome! thanks in advance.""
Arlington Virginia Cheap car insurance quotes zip 22243
Arlington Virginia Cheap car insurance quotes zip 22243
Am I covered with name not on car insurance?
I am very worried. I feel bad enough about getting into an accident, but now I find out that I can be in very big financial trouble. I am 17, I recieved my license 8 days ago, and I ...show more""
What is the cheaptest car insurance company in Maryland.?
I am living in college park md, i am a college student who recently got my driver license, which car insurance company is the cheapest in Maryland.""
How does car insurance work?
I got my driver's license last January when I turned 16. Our family only drives one car. My dad has insurance for our car under his name. Do I need insurance under MY name to drive the car too?
What are some affordable health insurance plans?
Besides medicare, what are some cheap, affordable insurance plans in the hudson valley, ny?""
What's the average cost for adding a teen to auto insurance who've completed drivers ed?
I got my license this past Thursday, and I'm waiting on my dad to add my to his insurance (State Farm) So I can begin driving my car. It seems like he's procrastinating;UGH! Anyways, How much do you think it will be? & don't I get a discount if I've completed drivers ed? another question do I have to pay like this huge first time fee? or do I just pay like what i'll be paying monthly?""
Can anybody Reccomend a good online insurance company for a Cagiva Mito 125?
I have been looking around for a low insurance rate for my Cagiva Mito 125 Motorbike, does any Mito owners know of a good insurer for that bike and how much did you pay?""
Car insurance for a 17 year old male?
Hi guys just want a little bit of help or some advice from people who have been in my situation. I have currently just passed my driving test on the 04/01/2013 and I am now looking to get insured. I understand that insurance is unbelievably high. I am 18 in February 3rd and the the car I have is a 2009 Renault Twingo freeway 1.2, this car is not very fast and roughly around 3000. I have been quoted 2000 at the moment which I understand is okay but any tips, tricks or good insurance please help! also to add I dont mind being insured with a blackbox or whatever their called but may drive past 11pm on the odd day out of the week. Thank you""
What is affordable insurance for nasal fracture (nose broken) in Texas?
i'm looking for insurance that cover foe nasal fracture that i can affort..I live in Texas .. i look for the cost for the doctor, and it is too much to pay put of my pocket without insurance""
How much is car insurance for a teen?
i was wounding how much does car insurance cost for a 16teenyr old. can some one tell me and if ur just going to bullshit don't answer please just give me a number i don't want to hear 'its alot' and im about to buy a chrysler 300
""What is the cheapest car insurance place in the Farmington, New Mexico area?""
I've tried Farmers insurance and Geico. Both places quoted around $240-$280 every 6 months (or monthly payments). I did an online quote at Progressive and got a quote for around $180.00 (which was much cheaper). But I don't know if I filled the information out right? Oh btw, I'm trying to insure my 1995 Ford F-150 pickup. The insurance seems much more expensive on this vehicle than with other cars in my family.""
Is there an insurance that will insure me and not my car?
my friend had an insurance that insured just him for any car he was driving idk what it was called but it was only for ohio residents anyway(im in pa) ....how would it work?
Getting life insurance for my grandparents?
My grandparents are in their seventies - early eighties. Financially, they are having a tough time and do not have life insurance. As their grand-daughter, I would like to establish a policy that will be just enough to cover their final expenses. They live in the state of Missouri and I live in Minnesota. Would I be able to get a policy for them? What types of policy should I look at --term or whole life? What are your recommendations for insurance companies?""
Do I pay the excess on my car insurance when a claim is made against me?
I know that I have to pay when I make a claim on my car insurance, but im not sure if when someone makes a claim against me if I have to pay the excess in that instance?""
What are the best cars for insurance?
i am a 17 year old male living in the u.k. so far the best car i have found is a 1978 austin morris mini. insurance is 1600. btw, cars like saxo's and corsa's are around 2500 for me. basically, does anyone have any ideas for cars. i have already looked at putting my mum as a named driver, but it does not make much of a difference. any help would be brilliant, thanks""
Car insurance questions?
I was parked in front of my house and a lady came along and hit my car totalling it by the looks. I think I just signed up for basic insurance. Because she hit my parked car, is the towing and cost for keeping my car covered on my insurance or hers? And also don't know if I can get a car rental at all? And I was also wondering if the car is totalled will they pay me to get a new car? Or just pay me some money back for the car? It says under collision actual cash value. Thanks for any answers because I can not figure out what I have on this paper or if it goes on hers!""
What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?
What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?
""Can a 16yr. old making $800 a month, afford a car that cost $24,000....parents payinng for insurance...?""
Can a 16yr. old making $800 a month, afford a car that cost $24,000....parents payinng for insurance...?""
Do Different Car Insurance Companies Really Have Different Rates?
I keep seeing ads on TV which claim this or that car insurance company is cheapest. Are they really that different, or is this just marketing?""
""Life, auto, and home insurance questions?""
The type of life insurance often used as mortgage insurance is: A. decreasing term. B. universal life. C. whole life. D. homeowners insurance. Expensive jewelry is usually insured by a(n): A. umbrella policy. B. replacement cost rider. C. policy floater. D. named-perils policy. The U.S. Congress added disability insurance to the Social Security Act in 19____. A. 35 B. 54 C. 65 D. 72 This type of auto insurance coverage would help pay your medical expenses, if you were injured by a hit-and-run driver. A. Uninsured motorist protection B. Comprehensive coverage C. Medical payments D. Collision insurance As a rule of thumb, experts say that most married people should carry ______ times their net pay in life insurance coverage. A. 2 B. 3 C. 4 D. 5""
What is the best begeners motercycle in Canada insurance and operating cost wise.?
Are cruisers cheaper to insure then sports motorcycle for the same displacement engines? And what are some good models in the market? Thankyou
Can I take my car to get repaired anywhere even if my insurance says no?
I got my window broken when someone broke into my car and I had an appt at the dealership where I bought to the car to get it repaired ASAP (and was going to) but my insurance nixed the idea. They said they wouldnt pay a dime if I did that. I HAVE to go to their suggested business. Now I have to drive to and from work with a taped up window for 2 more days till THEIR guy can fit me in. Is this legal??? It seems so unfair. BTW- I have Mercury auto insurance and I live in California.
Put my 17 yr son on insurance for '85 vette?
Is it possible to put my 17 year old son on the insurance for my 85 corvette? God blessed
""Where can I find affordable health insurance in Tucson, AZ?""
Anyone have any suggestions on inexpensive healthcare. I am disabled and we survive on my wife's income. Our current health insurance premiums are $1150.00 per month (it goes up about $150 per year). We are at our breaking point because we are soon going to have to decide what to cut from our budget (the house, food or health insurance). Because I am disabled no one will insure me. The insurance we have now we had before I became disabled so they can't kick me out. I'm afraid that if we don't have insurance something could happen to me, my wife or kids that would require a hospital visit and could run in the thousands or tens of thousands. I don't want to have to go bankrupt because I couldn't afford to have coverage. I had a stay in the hospital two years ago and the total bill was $60,000.00. the insurance covered all but $3000.00. If anyone has any suggestions I would appreciate it.""
What is the cheapest car insurance company right now!!!?
What is the cheapest car insurance company right now!!!?
How can I report my neighbors for not having car insurance?
How can I report my neighbors for not having car insurance? My neighbors were both laid off from their jobs about three months ago. Earlier last week one confided in me that they were unable to pay for their car insurance and that they didn't know what they were going to do. I didn't take action then, because they were not working and rarely took their car out. However, the husband recently found employment and he has been driving the car EVERY DAY for the past week. They are nice people and we get along great, so it pains me that I have to do this. Who can I report this to? Should I just call the police station? Is there a way for me to verify that they were unable to pay for their car insurance (they were way behind in bills, so I doubt they covered it)""
Arlington Virginia Cheap car insurance quotes zip 22243
Arlington Virginia Cheap car insurance quotes zip 22243
How much insurance is on a 2002 mustang gt on a 55 year old male?
How much insurance is on a 2002 mustang gt on a 55 year old male?
""If i want lighter trnasportation like a motorcycle or scooter, how much do they cost?""
how much for insurance, my car is nothing but trouble, and really i would love to just have a scooter, how much for one?""
How much is New driver insurance for an 1988 chevy sprint?
How much is New driver insurance for an 1988 chevy sprint?
Insurance Coverage Driving Another Persons Car?
Suppose you had to drive another persons car because they were incapacitated, etc. If you got into an accident with them in the car - but you driving, would the car still be covered under insurance?""
California low income health care aid?
just 18, college student, family currently on medi-cal am i still covered? is it until age 21? what are the ones that allow parental coverage until age 26? what changes will occur to the california healthy families and medi-cal programs with Obamacare? recently received letter putting me in emergency coverage only what does this mean to me and what i am covered for?""
Is it possible to obtain a learner's permit without having my parents' insurance rates go up?
I am a 16 year old in NY and my parents do not want me to obtain a learner's permit because they are afraid that their insurance rates will go up and they cannot afford it now. Now, a friend told me that I could go to the NY DMV without my parents and get a learner's permit. Is this possible? I would like a learner's permit not only for the ability to drive, but also as a solid form of photo ID (like, instead of a passport). What should I do about this? PS. My parents won't be convinced.""
Is it worth having private medical insurance if your in your 30s and healthy?
Is it worth having private medical insurance if your in your 30s and healthy?
Insurance on Lotus Elise for 18 or 19 year old?
I want to get a new Lotus Elise when I am 18 or 19, but it really depends how much the insurance will be. I reside on Long Island, NY but when I get the car will be going to school in either Albany, NY or Tallahasse, FL. Some help? Thanks.""
I'm planning on getting affordable coverage for my dog. what would be best recommended?
okay well the question explains most of it. I'm currently doing some research on what company has the most afforable coverage for my dog. But there is so many to chose from: ...show more
Does any one know the fees for not having car insurance?
I got pulled over two days ago. I was driving my cousin's van and it doesn't have insurance. i got a ticket for driving without insurance.
Is Kaiser HMO a good health insurance plan to buy?
Here's the thing. My current doctor told me that he's leaving and he's going to Kaiser. I don't want to lose him so I my only way would be to purchase Kaiser. So if I already know the doctor I want, does that make Kaiser okay? What are the benefits and drawbacks of Kaiser Health?""
Cheap Car Insurance UK?
I have been looking at quotes for a while now and I keep on getting the quotes for around 3,000+, there is no way I am paying that. Before anyone suggests go on your parents insurance or get a provisional not happening, I want my own car on my own insurance 3rd party. Does anyone know any decent places where I can get insurance for 2,500 or less, it would be much appreciated.""
Auto insurance estimate for 5 points?
Hi i have 5 points on my license i live in Baltimore city and drive a 1985 Chevrolet corvette with historic tags insurance with it in my dads name is very cheap even with me as the listed driver but i think my insurance company some how missed that i have 5 points on my license so i am just wondering if anyone has any ball park figures as to what my insurance might be when they see that i have 5 points thanks.
Average Cost of Homeowner's Insurance for a home..?
that is appraised at 169,000 and bought for 166,000?""
How does liability insurance work?
I'm about to buy insurance & I know it's mandatory in te state of Louisiana to at least have liability. But how does it work? & if I let someone borrow my car are they covered?
Can a person get insurance on a car when the tag is in someones name?
can a person get insurance on a car if the tag is in someones elses name?
Will co op car insurance refuse to pay out?
Some idiot smashed into my car and write it off now co op car insurance are wanting a photocopy of the car log book before they send a cheque! Only thing is its technically in my ...show more
What kinds of life insurance should I have?
I'm 30 years old, and my love is 39. I have an AD&D insurance policy from work listing him as the beneficiary. What other insurance should I purchase? We do not have any children. Do not say we're going to hell, or that we are sinners. If you've read the bible and truly believe in it, then you should know about judging others and casting stones.""
Should I accept a $500 settlement from an insurance company for a stiff neck suffered in a car accident?
I was a passenger in a car accident two weeks ago. My only injury is a stiff neck. The insurance company of the at-fault driver has offered me $500 to settle. Should I accept it or fight for more (for example, by threatening to sue)? Should I see a doctor and bill the insurance company for that, even though I wouldn't normally see a doctor for this injury? I'm not really concerned about the seriousness of the injury; the pain will probably go away eventually. I just want to get the amount of money I deserve.""
Do you think car insurance should be mandatory in all of the United States?
I live in Wisconsin. Car insurance is not required for cars trucks and anything else on the road. I think this is wrong with medical and car repair bills being so expensive these days. Worst part about it is some of these non insured people drive like lunatics and if they do hit you they have nothing to even sue them for. I think it's disgusting.
How much will it cost to put a learner driver on my car insurance?
How much will it cost to put a learner driver on my car insurance?
Insurance on Lotus Elise for 18 or 19 year old?
I want to get a new Lotus Elise when I am 18 or 19, but it really depends how much the insurance will be. I reside on Long Island, NY but when I get the car will be going to school in either Albany, NY or Tallahasse, FL. Some help? Thanks.""
Why are pickup trucks so cheap to insure?
i went to go look at a truck that is 10 years newer than my ford explorer. it was a ford f150 even with full coverage its still lower. the insurance for the explorer is nearly $2,000 a year. and the f150 is $1800 a year even with a big powerful V8""
What percent of damage will Infinity Insurance total a car in california?
according to kelly blue book, car is valued at 15,660 for private party sale damages came out to 8,566 that is about 54% in damages i dont want to drive a car that is this damaged, because it wont be as safe, even after repair. if its not quite at their totaling percentage, is there a way i can insist or push the insurance into totaling the car? and would the fact that Infinity is a real cheap insurance effect their percentage to total?""
Can a landlord require me to carry renter's insurance?
I didn't hear about this until after I filled out a rental application. Evidently, I am required to have renter's insurance before I move in. In view of the fact that I have almost nothing of value, renter's insurance seems pointless to me, even if it is cheap. This has been more common in the last few years. Beginning about 10 years ago, landlords started this practice of requiring renter's insurance. IMHO, it's just a way of reducing the insurance costs for the landlord.""
Arlington Virginia Cheap car insurance quotes zip 22243
Arlington Virginia Cheap car insurance quotes zip 22243
How much cheapest car insurance?
the details is correct in this link? http://www.insurancequote4mycar.com/
What is the best motorcycle insurance to purchase?
I have a motorcycle, and I'm looking to find insurance. I took the basic riders course that offers insurance discounts. What is the best and most affordable motorcycle insurance to get? P.S. My car insurance company doesn't offer motorcycle insurance""
How much would insurance cost for a 16 year old?
I want to buy a 1 year old camaro but was wondering how much insurance would cost for a 16 year old male. I need an estimate for the cheapest insurance. Even if the liability is really small.
How Much Is the insurance going to increase?
Today I hit a car :( and although it was minimal damage, he decided to report it. I wanted to know how much is the insurance going to increase. Take in that i'm not in the policy its under my mom's name.""
Will my children from a previous relationship get my husbands insurance?
basically myself and my 2 children were on food and medical assistance and i am now off it, i will be starting to get new insurance through my husbands work and so will our child in common...but i have 2 children from a previous relationship. im not sure if they will need to have my insurance or if they will still qualify for the government medicaid since there father pays child support.""
Question about unemployment Insurance In california?
I have to send my form on the 12 of december. If i dont send it by that time.say about a week later will it be a problem? when is the latest i can send it through the mail? anyone know?
I got a car insurance quote from State Farm that?
is double that of the quotes I got online (from brokers). Is it better to go with State Farm or one of the cut rate insurance companies? I mean in the event of an accident and getting paid. I also rent a lot of cars and will be using the insurance I buy for those. And, not get the insurance that the rental companies over charge for.""
A break in car insurance between my old and new car?
Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""
How could car insurance cost more a month than the value of the car?
Yes I'm under 21, No I don't have a single ticket , or driving violation . How could insurance on a 500 dollar cherokee cost 290$ a month? In two months thats the value of the car! Its BS there has to be a way to get insurance for cheaper than that. Anybody know of any place? And please don't say Classic insurance as all of them you have to be 25 or older.""
What's the best auto insurance?
What kind of insurance do you have? Is it cheap?
Does anyone have Traveler's Auto Insurance?
I got a quote from a travelers auto insurance agent thats a good $75 less a month than what im paying now to progressive. The coverage isnt even bottom of the line either, its all the recommended selections. Anyone have any experience with them?""
Best car insurance for over 60 male?
Had a DR10 drink driving in 2009. (Long story and yes should not have done it but) Require best option for fully comprehensive covering legal etc. Any idea of which car insurance company is best?
Must all drivers in New York have insurance?
if so then what would be the penalty for not having insurance? & is there a minimum amount of insurance that must be carried?
Uk car insurance help?
hi i'm 18 years old and i'm getting a car, obviously it needs car insurance can you give me any tips on what to do to get cheap quotes... i'm currently the only 1 in the family that will actually drive, my mum doesn't drive, no dad and when i went to sites like moneysupermarket and confused.com all i get are 4,000 pounds up!!!! per year, dam its a lot more expensive than the car!!! and can u please explain to me what no claims discount is?? and which cover should i get, comprehensive or the other options thank you!""
How does car insurance work in Canada...?
Your rate start at +43%, NOT 0, correct? People under the age of 25 are more expensive because (because they're group has a higher statistic of accidents and yadda yadda...) they are a new driver and they are starting at +43%, correct? But are NEW drivers OVER the age of 25 still starting at +43%? Or the day you turn 25, you go from +43% to 0%... because that doesn't seem likely, but that is how the majority of people explain new driver's insurance. Also what is the average yearly deduction rate? I would assume around 2% on average? ***The +43% is based on ICBC's website (They said that is what ever driver starts at) ***It is +43% of whatever insurance you chose for your age, etc, and then 43% ADDED on, correct? Sorry for the ignorance of this question, but I don't live with my parents and am finally looking into car insurance. Besides, there are no bad questions, right? LOL. Have a good one and thank you!""
How much is insurance if...?
I am 16, female and driving a sports car [[camaro]]? please give an average for texas and several different companys!""
What is a cheap car insurance company in New Jersey?
I am only 20 yrs old.
New Jersey Car Insurance Question.?
Knowledgeable Jersey Residents only please! I have recently moved to Jersey, and I am having heart feailure over the cost of car insurance. It is almost DOUBLE the cost in any other state where I have lived. (CT, FL, NY, SC) (I have NO tickets, NO accidents) Also, I was told today that there is yet ANOTHER rule/law in Jersey that states that any family member who lives with you (whether they are under YOUR insurance, or their own insurance) makes you liable in case of an accident. In other words, if my adult daughter (who has a poor driving history) gets in an accident--I COULD BE SUED.....EVEN if she has her own car, and her own insurance. CAN THIS BE TRUE???? It is very important that I get a straight answer, as it will drastically affect my ability and desire to stay as a resident in New Jersey.""
""What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old)""
My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens to one of us. We would like to have coverage in case something happens. I know the importance of Life Insurance, as my mom was killed in a car accident when she was only 38. So, we want to be protected, and we want our house to be safe. We are pretty much clueless when it comes to Insurance policies. I ALREADY LOOKED UP THE INFO ON WIKIPEDIA, SO PLEASE DON'T GIVE ME MORE OF THAT. I want opinions on what the best kind of Life Insurance is for us. Term (but if it is a 30 year term, does that mean when we are for example 54 and something happens after the 30 years, we aren't covered???) or Permanant (whole life, and others). We didn't like the decreasing term policy our agent showed us. We have gotten 2 quotes for Term Life. Help us make an informed decision!!! Please!""
How much does it usually cost to insure a big (600cc and above) motorcycle?
How about a 250cc? Or does it depend on the type of bike I have?
Mega life and health insurance?
What is the location of Mega Life and Health Insurance?
Need SR22 insurance quotes?
I'd like to have an idea of the total fees for SR22 car insurance. If I can get a price range that would be great! thanks.
How long do I have to report an accident to an insurance company in California?
If I was in an accident in California how long do i have to report it to the insurance company so that they will cover it?
Can i get insurance at 17 in my name?
Can i get insurance at 17 in my name?
What is the cost of insurance for a bugatti?
What is the cost of insurance for a bugatti?
Arlington Virginia Cheap car insurance quotes zip 22243
Arlington Virginia Cheap car insurance quotes zip 22243
https://www.linkedin.com/pulse/how-much-would-my-motorcycle-insurance-cost-jayden-crosby/"
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