#but i need to focus on my MA application for the next 2 months

[tuupii-artz]

femslash february never ends. it’s a state of mind. (and im not even that late. in the US it’s still the first of march, so)

googling period appropriate underwear is way less fun than i thought it would be (fudging hipster pictures), but drawing pointy bras is worth it. 

[ziamhaze]

Writer Questions

Thank you for the tag, @zqua1d​!

1. When did you start writing?

Almost exactly two years ago.  I’d never done any sort of individual creative writing prior to writing Compartment 451.  Crazy how random that was and how much it’s changed my life.

2. What fandoms do you write for?

Exclusively 1D, specifically ziam.  I’ve had people ask me if I would ever consider writing for another fandom, but I just don’t have it in me.  Not now, at least.  Every idea I’ve ever had (written and saved in my ideas doc) has been inspired by ziam as individuals - either because I’ve wanted to explore a specific characteristic of theirs or because I had an AU setting that I’d love to see them interact in.  Can’t say I’ve had that for any other fandoms/individuals.

3. Do you write better in the morning or at night?

Night, hands down.  Writing is my “full-time job”, so I can pretty much create my own hours.  I go through phases, but for a majority of the year, I’m usually nocturnal.  I like the darkness and the solitude.  The silence is a plus, but I think it’s the ‘in my own world without distractions’ sort of thing that gets me.

4. What music do you listen to while writing?

I’ve gone through phases with this too.  I wrote C451 with instrumental film soundtracks playing throughout, then with Kick, Push it was primarily lo-fi music because of Zayn’s character.  Since I knew that I was going to write Z.A.Y.N. after The Prince King, I listened to a CRAZY amount of r&b during the latter.  Listened to that all the way through both.  As for the last three stories posted online, I don’t remember listening to anything in particular.  The book that I just finished that I unfortunately can’t post, I used Korean ‘Study with Me’ videos on YT.  Highly, highly, recommend.  This one and this one are my two favourites.  I work like crazy, so these are great if you’re like me and enjoy tracking how much you work/ can create a good schedule when you don’t have an external source (office, class, etc.) to give you one.  OR, if you can’t sit down and study/write on your own accord, this would be good for you to build in breaks and good habits.

5. What do you/plan to major in at college?

Fuck, what didn’t I major in in college?  I’ve got a BA in Film/TV Production Management and Geography (specifically urbanization and the middle east).  Then I’ve got an MSc in Management (specifically international corporate strategy) and an MA in Creative Writing (specifically fiction, novel writing).  In the Fall (unless I move to Sydney, then next Feb-ish), I’ll be starting a PhD in Creative Writing which will be looking at masculinity, ‘the city’ in the novel, and the presentation of male-centric mental health in literature.  All wrapped up in a novel I’ll be writing for the program.

6. Do you write an outline before writing a story?

If you asked my workshop classmates that question, they’d just burst out laughing.  It was an ongoing joke about just how much I outline/plan a story.  For reference, Red vs. Black ended up being ~113k, but the outline document I had for it was about 25 pages on its own.  My outlines look a lot like a VERY detailed bullet note list of points that need to be touched on in each scene.  If you want a look at my lil baby one for C451, click here.  This is soooo bare bones compared to what they look like nowadays, trust me.  Each scene nowadays would probably have about 10x this many bullet notes and timings and all that.

7. Do you write multiple stories at one time or only focus on one?

NEVER.  I have to stay with one at a time.  My stories have so many tiny intricacies and details that need to be given my entire attention to unfold correctly.  I fully throw myself into a story; I get lost inside the world and characters much like an actor does.  I have to in order to make everything consistent and more importantly, true.

8. Do you write every day?

Yes!  It may not be for a novel, it may be academic papers or applications, but I do write something every day.  Also, it may not even be original writing, but I count editing sentences as writing.  You have to engage your brain in a similar nature.  You have to manipulate your native language and just...words.  That’s writing.

9. What are your goals for your stories? (& do you want to become a published author one day?)

Well, my summer goal is to get my latest story a publishing deal.  As most of you know, it’s currently sitting with Harper Collins, but I really don’t expect anything to come of that.  After that (inevitable) rejection, I’ll be shopping it around to agents, so I’d say that’s my latest goal.  Eventually, I want to publish Kick, Push, The Prince King, and The Heart of Him with lots and lots of rewrites.  Clearly copyright would make publishing Z.A.Y.N. as it is impossible, but I think the way it’s presented and the two characters that live within it are kinda cool.  I’d have to rewrite all the lyrics to be original and obviously change Zayn’s name to something that could fit with the title being an acronym.  (Zain/Zayn was a true blessing for that)  Plus, a lot of the magic falls with the songs that come out of their relationship and the hints that I gave to them throughout.  An original song wouldn’t be something a reader could do that with.  So, yeah, it’d be a stretch.  With Red vs. Black, I’ve been given some professional (let’s say) advice telling me to rewrite it with a different metaphor other than superheroes.  I see where he’s coming from in regards to sales and a publishing deal, but then I’ve also had another, professional (let’s say), from a different sector of the field tell me that it’s fine with storyline, but that if I’m trying to sell it in novel format, it might not work.  So, that’s going to take some reworking/deep thinking on my end.  And as for Customer of the Month, I’d like to adapt it as a YA book.  I think the message rings the clearest for that age group.  Which of course means, more rewrites beyond simple edits.

10. Favourite work of yours?

Besides the one I’ve just finished, I’d say Red vs. Black.  It’s really fucking complex if you take a step back and look at it on a character level and not a ‘ziam fic’ (same with COTM.  Zayn’s character in that one is actually really fucking heartbreaking).  It took so much precise weaving and timing and development, that finishing it was a massive accomplishment for me.  I’m glad people enjoy it, but honestly, coming out of it, I remember thinking, I don’t even care what people take from it, I’m proud of me for pulling that the fuck off.  It’s got NOTHING on the book I just finished (so you can imagine the self-pride I have for that), but given the fact that I’d only been writing for a year, RvB was a huge accomplishment for me.  I also really fucking loved writing Zayn’s character in that story - his humour, his turmoil, his arc.  It was a massive challenge, but I actually enjoyed it and that’s huge for me.

[carmeninguanzo]

In this you greatly rejoice, though now for a little while you may have had to suffer grief in all kinds of trials. These have come so that your faith--of greater worth than gold, which perishes even though refined by fire--may be proved genuine and may result in praise, glory and honor when Jesus Christ is revealed. 1 Peter 1:6-7

This morning, January 6, 2017, dia de los Reyes, I sat in front of my tree by myself contemplating 2016.  The year of insanity, heartbreak, loss, anxiety on levels I didn’t think were possible, almost losing my mind, successes and triumphs, anger, love and hate.  I’m grateful for them ALL.  Though the year 2016 started rocky, with a huge bump on the road, I never imagined it’d become what became.  During the month of early January a very special and dear person in my life was fighting between two worlds; the world of drug addiction, and the world of trying to become clean and regain control of his life. While in jail for about a month he confessed what he did to get arrested, what he did to stay alive because he knew that one more day in the streets would have caused him his life.  My family and I were devastated, but life had to go on.  We had already planned a big family vacation to Mexico in early February to celebrate my husband’s 50th.  We were there for eight days and made the best of it.  Not long upon our return, we dealt with the biggest heartbreak of our lives.  A heartbreak that forever changed our lives; forever changed us as individuals and as a family.  The harsh reality of Crystal Meth.  I became obsessed with researching this world because I believed there was something we could’ve done to help him out. I wanted to know what about this drug was so consuming and impossible to kick.  What I didn’t know was that in doing so, my entire existence would take the biggest hit of my life.  I watched documentaries after documentaries, read books after books, listened to testimonials after testimonials of people that were addicted to the worst and most powerful drug that exists.  A drug they all described as “THE DEVIL”.  I read about what’s in the drug and the effects this drug has on the person both short term, and long term, becoming more and more depressed.  I wanted to fix this, I wanted to fix him, and I couldn’t bear to sit around and watch him wither away.  I refused to lose this fight and I was going to give it all I had.  For months I carried this weight; a weight that wasn’t mine to carry.  In fact, it wasn’t anyone’s weight to carry, but his.  At least that’s what we know now.  I say this because this experience, this situation, completely consumed us.  Literally.  And we too, were headed on that downhill spiral of destruction with him.  It took months and months to realize this on my own, but this realization came with many, many tears, sleepless nights, anxiety and severe depression.  I felt my world coming down on me.  In the middle of all this chaos, I decided to submit an application and a manuscript to VONA (Voices of Our Nations Arts Foundation).  It’s a weeklong writing workshop for writers of color.  This would be my second time attending, the first time being at the University of Berkeley, California three years prior.  I submitted, not really telling anyone because of fear of failure.  During this process, I fought the two voices we have in our heads; the pessimistic voice, who the hell do you think you are thinking you’re going to be one of the few people accepted into the workshop, and the optimistic voice, you got this baby girl, you’ve been doing the work, your worth it.  Though I had never felt more secure about being accepted at VONA, it was inevitable to think I was deserving of it.  Sure enough, on April 15, 2016 I received an email that stated, “Dear Carmen, Congratulations!  On behalf of the Voices of our Nations Art Foundation (VONA/Voices) I am pleased to inform you that you have been accepted as a participant in the Voices Writing Workshop at the University of Miami, June 26-July 2, in the Memoir Workshop with Reyna Grande (which by the way, was my first selection out of the two options available).  The response to the workshops was overwhelming and the choices made by the Selection Committee were difficult.  We were impressed with the quality of your writing, and we would like to invite you to join the VONA/Voices community of writers and look forward to your contribution to this year’s program.”  I was elated by my acceptance for that brief moment, but very quickly that moment was robbed by this addiction my family and I were trying to cope with.  This is the nature of what addiction does to families.  I questioned whether I’d be able to deal with not only the pressure and work I needed to put into VONA, but also, my college studies.  It had been almost a year since I had gone back to college, and I was overwhelmed to say the least.  This was the first time I decided that my only option, was succeeding.  Under extreme pressure, anxiety, responsibilities to my family, especially my autistic seven-year-old son, depression and mourning, I made it happen.  

When I left to VONA, my best friend Roz was scheduled to have surgery and several other procedures.  I was concerned about him, but knew he was in the best hands at Cornell University, New York Hospital.  I also knew that his wife, Annette, would never leave his side until he was cleared of any possible danger. I arrived at VONA on Sunday, June 26, and my last message to my beloved Roz was on Monday, June 27, asking him how was he feeling.  I knew he was scared, and I also knew how depressed he had been, but I never heard back from him.  I decided to leave him alone and focus on making the best out of my new VONA experience.  Monday and Tuesday were great!  There was a VONA alumni reading at Books & Books in the Wynwood part of Miami, and after the readings we all went to an outdoor dance/bar where we all had an amazing time.  I had forgotten what it was to party and have fun, and that I did that night, thankfully.  What I had anticipated my VONA experience to be like this time, came to an abrupt end on Wed, June 29 when I received the worst call of my life as I was sitting on a bench outside of the university waiting for my childhood friend Irma, to pick me up.  We had planned on spending the afternoon together.  My phone rang.  “Hey hon, how are you?”  My manuscript had just been workshopped and I was still feeling high and overwhelmed by the experience.  Being workshopped is never easy, especially when you’re sharing real shit and you’ve spilled your blood and tears onto the pages.  It’s hard enough to write personal essays, let alone share them, putting them out into the world for people to read your crazy, and sometimes dysfunctional ass self, as I am.  

My husband didn’t hesitate, though I could hear the distress in his voice, “I have bad news baby.  It’s about Roz.”

“Aww come on!  Are you fucking serious?!  I just got my piece workshopped and my nerves are shot, I can’t take any bad news!  Not right now!”  I was frantic and shaking by this time.

“I’m sorry ma, but I needed to call you and tell you before you heard it from someone else or saw it on FB.”  I heard the fear.  I knew I had to brace myself.

“Ok, tell me.  What is it?!”

“Roz died ma.  He committed suicide.  I’m sorry to have to tell you now.”

I yelled at him, hung up the phone and collapsed onto the floor.  Right in front of the bus stop and the university lounge area by the traffic loop.  Less than five minutes later, my friend Irma arrived....  My VONA experience would never be the same.  I showed up for the next two mornings to workshop my fellow writers pieces and then left campus.  It was the least I could do.  I owed it to them and I had committed to them, the same way they committed to me.  After all, that’s the main reason why we attend writing workshops.  Friday after the last workshop, I left and never went back.  I needed to be around family. Badly. 

In 2016, I learned I have strengths I never knew I possessed.  I faced one of my biggest fears which was exposing my natural self and no longer hiding behind my hair.  The beautiful, shiny, straight, processed hair I loved and cared for with weekly salon visits my entire life, because that’s what I was taught beauty was; always having your hair done.  “La mujer con el pelo malo, feo y desareglado nunca se ve bien.”  My Dominican mother and aunts would always say to me. In mid July I took a plunge and decided on a big chop, originally not the plan, but it ended up that way.  Though I did have other options, I didn’t think much about it.  I just did it.  I chopped off all of my hair, never imagining the toll it would take on my ego, on my emotional health.  This was yet another battle I had to fight.  A big one, I must admit.  One that shocked me to my core, and made me hate the person I now saw in the mirror.

A month after Roz’s death, my uncle and my husband’s grandmother both died on the same day, an hour apart.  And less than a month after that, our great friends lost their five-year-old son in a car accident.  It was another blow to my gut, leaving me breathless for months.  In being there every single day, and holding their hands every step of the way, including creating a GoFundMe page for them, I carried this weight with them as my own.  Tragedy and heartache followed me throughout the entire year and I refuse to allow 2016 to dictate 2017.  Through it all, I managed to keep my commitment to my studies and continue on my goal of remaining an A student, keeping my GPA close to a 4.0 and that, I don’t even know how I did.  This previous Monday I started school full time scared as shit, doubting myself 1000 times, but doing it anyways. This year, facing probably the biggest fear of my life, I joined the #52essays2017 challenge.  An essay per week for the entire year, and not just any essay, PERSONAL ESSAYS.  If talking about our personal shit to our close friends and family is hard as fuck, imagine sharing it with the world!  But I can’t stop now, I’ve learned what it is to stay committed and to keep treading no matter how hard shit gets.  I’m committed to my life, to my dreams, to my happiness, because only I can give myself that.  I am committed to creating structure in my life, something I’ve never known.  I am committed to being the best version of myself, to reinventing myself and becoming the woman God created me to be with all of my flaws and imperfections.  This year I am committed to remaining vulnerable, because if more of us showed our vulnerability, the world would be a better place because there is no such thing as a perfect life, the perfect relationship, the perfect anything.  

This year, I am committed to embracing ALL of who I am...

“Life isn’t about finding yourself.  Life is about creating yourself.”   ~George Bernard Shaw

This quote changed my life.  All this time I had been on a quest to find myself, when all I had to do was re-create myself.  I hope this quote can help someone else too!

[nathanielburgos]

Health and Care Visa (Application Guide)

The Health and Care visa was designed to encourage healthcare professionals from around the world to come to work in the UK health sector.

For applicants, the benefits of the new Health and Care visa include fast-track entry to the UK, together with reduced visa fees and exemption from the Immigration Health Surcharge. It also includes the support of a dedicated team within UKVI in processing visa applications for migrants’ and their dependent families.

The visa opened to applications from 4 August 2020, and forms part of the UK’s new immigration rules outlined to be effective from 1 January 2021.

Below we look at the key requirements for this visa route, including eligibility criteria and the application process, costs and lead-times.

Who is eligible for the Health and Care visa?

From 4 August 2020, qualified doctors, nurses and allied health professionals who have been trained to a recognised standard will be able to apply for the Health and Care visa.

It is open to individuals applying under the skilled worker Tier 2 (General) route for entry clearance or leave to remain who and will be taking up a job offer in one of the occupations specified within a prescribed list of Standard Occupational Classification (SOC) codes.

The list of professions will be updated in line with the launch of the new skilled worker route later this year. However, the full list of professions that reflect the current skills threshold for the new Health and Care visa is as follows:

  SOC code Eligible job roles 2112 Biological scientists and biochemists – all jobs PhD role 2113 Physical Scientists – shortage for roles in construction/oil and gas Not Shortage requires RLMT but PhD Role Medical physicist . Sponsors do not need to appoint a suitable settled worker when carrying out the RLMT for PhD-level occupations, if a migrant applicant is better qualified for the post. 2211 Medical Practitioners 2212 Psychologists 2213 Pharmacists 2214 Ophthalmic Opticians 2215 Dental practitioners 2217 Medical Radiographers 2218 Podiatrists 2219 Health Professionals not elsewhere classified 2221 Physiotherapists 2222 Occupational Therapists 2223 Speech and Language Therapists 2229 Therapy professionals not elsewhere classified 2231 Nurses – all jobs though requires RLMT 2232 Midwives 2442 Social Workers 3213 Paramedics

  Notably, care workers are eligible under this visa.

Where the role does not feature on the Shortage Occupation List, the Resident Labour Market Test must, under current rules, be met by the sponsor. The list is expected to be revisited when the new immigration rules are put in place 1 January 2021. Note also that the RLMT is to be abolished under the new system.

As well as the role coming under one of the above SOC categories, to qualify for the new visa an applicant must also be employed or engaged either by an NHS body or trust, an NHS commissioned service provider, or instead one of several other medical and social care organisations listed in the guidance.

This could include, for example, someone who is employed or engaged by, or registered with one of the folllowing industry bodies:

General Chiropractic Council

General Dental Council

General Medical Council

General Optical Council

General Osteopathic Council

General Pharmaceutical Council

Health and Care Professions Council

Northern Ireland Social Care Council

Nursing and Midwifery Council

Pharmaceutical Society of Northern Ireland

Scottish Social Services Council

Social Care Wales

If you are not taking up a job role in one of the prescribed occupations for a designated organisation you will not be eligible for the new Health and Care visa, although it remains open to applicants who fall outside the new visa route to apply under the standard Tier 2 (General) arrangements.

That said, as the rules currently stand, many primary care workers will not be at a high enough skill level to qualify either under the new scheme or as a skilled worker. This is because the UK government is planning to increase the funding for social care in the UK with a focus on domestic recruitment instead.

  What are the Health and Care visa requirements?

The Health and Care visa forms part of the Tier 2 (General) category for skilled workers. This means that you must still meet all the relevant criteria for a Tier 2 (General) migrant as follows:

Have a valid Certificate of Sponsorship (CoS) from a UK licensed sponsor

Have the offer of a qualifying job that meets the relevant salary threshold

Have sufficient personal savings so that you can support yourself on arrival in the UK

Have a good working knowledge of the English language

Be able to show that you can travel, as well as providing your travel history over the preceding 5 years

Have valid tuberculosis test results, if you are from a listed country

Be able to provide a criminal record certificate from any country where you have lived for 12 months or more within the last 10 years, if you will be working with vulnerable people as a healthcare professional.

As part of the Tier 2 (General) eligibility criteria, you will need to meet the salary requirement, which is to either over the minimum salary threshold or the appropriate rate for the job you have been offered, whichever is higher.

You must also evidence that you can financially support yourself by proving you have had £945 in your bank account for 90 days before you apply. This requirement is not necessary if you have a fully approved A-rated sponsor who can give you at least £945 to cover your costs for a month if you need it, although your UK sponsor must confirm this on your CoS.

  Will I be told if I am eligible for a Health and Care visa?

As a prospective employee, your new employer will be responsible for informing you that you are eligible for the Health and Care visa. In this way, you will be able to correctly complete the visa application form. Your employer will also need to provide a brief explanation in the note field of the CoS setting out how you will meet the eligible visa role requirement in your new job.

If your UK sponsor is a private organisation that provides healthcare services commissioned by the NHS, an explanation, and possibly documentary evidence, as to the contractual arrangements with the NHS will also need to be provided as proof of your eligibility for a Health and Care visa.

  How to apply for the Health and Care visa

To apply for the Health and Care visa you will first need to be issued with a CoS by your UK sponsor. This will contain a unique reference number. You will then need to apply using the normal Tier 2 (General) online application form.

Once you have completed all the relevant information, the next stage of the application process is to pay the appropriate fee. You will also need to provide various documents in support of your application.

On receipt of the application, the Home Office will assess the information and documents and you may be offered to either:

book a biometrics appointment if is not possible to reuse any biometrics supplied with a previous application, or

you will be advised how to enrol biometrics using an ID app.

  Health and Care visa supporting documentation

As with any Tier 2 visa application, you will need to provide various documents in support including, where relevant, the following:

A statement or letter from your bank or building society showing you have enough personal savings, unless your CoS shows your A-rated sponsor can support you instead

Proof of your knowledge of English

A current, valid passport or travel document to prove you can travel

Any expired passports or travel documents to show your travel history

Your tuberculosis test results if you are from a listed country

A criminal record certificate.

Unless you are exempt, for example, because you are a national of a majority English-speaking country, to prove your knowledge of English you will usually need to show that you have passed an approved English language test with at least CEFR level B1 in reading, writing, speaking and listening, or have an academic qualification that was taught in English and is recognised by UK NARIC as being equivalent to a UK bachelor’s degree, master’s degree or PhD.

If you are applying as a doctor, dentist, nurse or midwife, you will be able to rely on the assessment of your professional body as proof of your language ability.

  Can my partner or dependants join me in the UK?

When applying for a Health and Care visa, immediate family members will be eligible to accompany or join you in the UK on this route. This includes your spouse or partner, and any dependent children.

If you are already in the UK and would like your dependants to join you, your UK sponsor will need to provide written confirmation that your family member is eligible to do so based on your occupation. This should be in the form of a letter or email from the sponsor, setting out the organisation for which you work, and, if not an NHS body, how the organisation qualifies.

  What are the Health and Care visa costs?

The Health and Care visa comes with a reduced visa application fee compared to that paid by other Tier 2 skilled workers.

The fees apply to applicants and dependents and are the same for leave to enter the UK or to remain in the UK, to those who qualify under this visa.

  Health and Care visa applications made outside the UK Under 3 years and over 3 years £232 Shortage Occupation category under 3 years £232 Shortage Occupation category over 3 years £464

  Health and Care visa applications made within the UK Under 3 years and over 3 years £232 Shortage Occupation category under 3 years £232 Shortage Occupation category over 3 years £464

  The reduced visa fee also applies to dependants.

  Applicant and dependants who are eligible to apply under this visa are exempt from having to pay the Immigration Health Surcharge.

The UK Government has said that health and care workers who would qualify the visa can still claim a refund if they paid after 31 March.

Frontline workers in the health and social care sector who are not eligible for the new Health and Care Visa will pay the Immigration Health Surcharge, but should benefit from a reimbursement scheme. This is in recognition of the contribution of those who have come to the UK to work during the recent pandemic.

  What are the Health and Care visa processing times?

Upon receipt, your application for the Health and Care visa will be prioritised and fast-tracked by UK Visas and Immigration (UKVI).

As a result, the vast majority of healthcare professionals applying on this route can expect a decision on their application within 3 weeks from the date they have provide their biometric information. This is substantially quicker than the current timeframe for Tier 2 visa processing of between 8-20 weeks.

There will also be support available by way of a dedicated NHS support and visa processing team, enabling visa applicants and sponsors to contact UKVI’s specialist team if they have any issues with the application process or eligibility for the Health and Care visa.

  Health and Care visa FAQs

Do health workers pay the healthcare surcharge?

The liability to pay the healthcare surcharge will depend on the immigration status being applied for and the intended length of stay. However, the UK government have introduced an exemption for health and care workers, who will now be permanently exempt from this charge or entitled to a reimbursement.

Which UK visa for health workers?

Under a new fast-track route, eligible healthcare workers will be able to apply for the Health and Care visa. This forms part of the Tier 2 (General) category for skilled workers, where qualified doctors, nurses and allied health professionals who have been trained to a recognised standard will be eligible to apply.

Are care workers eligible for the Health & Care visa?

Only migrants employed in prescribed occupations are eligible for the Health and Care visa. This means, as the rules currently stand, that many primary care workers will not be at a high enough skill level to qualify under the new scheme.

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Do you have a question about the Health and Care Visa?

DavidsonMorris have a specialist team dedicated to supporting applications for skilled workers under the Tier 2 visa route, including the Health and Care visa. We work with employers and employees to guide through the eligibility requirements and application process. For advice, please contact us.

Health and Care Visa (Application Guide) published first on https://ordergcmsnotescanada.tumblr.com/

[gracedman]

A More Excellent Way!!

 1 Corinthians 12:31

But earnestly desire the higher gifts. And I will show you a still more excellent way.

 But earnestly desire and zealously cultivate the greatest and best gifts and graces (the higher gifts and the choicest graces). And yet I will show you a still more excellent way [one that is better by far and the highest of them all—love].

But earnestly desire the best gifts. And yet I show you a more excellent way.

 But covet earnestly the best gifts: and yet shew I unto you a more excellent way.

 In the progress of cultures, there have been many transitions. From bronze to iron. From fire to electricity. From steam to gasoline. Cultures have moved and grown by putting in place new technologies and energies. But none have been more impacting than the new excellent way that Paul is about to share with the Corinthians.

First, he moves from the discussion of the body and its various parts and roles. He essentially says that whatever your portion or gifts may be, move beyond them into a heart that desires higher “gifts.” I put this word in quotes because it could be easily misunderstood. We can relate to the words without the Holy Spirit’s illumination. But in literal Greek, it is “charis” or grace coupled with “ma” which speaks of an activity. So, these gifts (charisma) are to be understood as the activity of Grace in our lives. Next, Paul moves on to say “earnestly desire” the greater, more valuable, and the most important and most useful activities of God’s grace. Most translations say: “a more excellent way.”

 There are always those who would resist the changes God would desire to bring to their lives. They will try to assert that there is no need for there to a be a spiritual impartation from God to know the value of love and to possess the substance of love in their lives. There is a great tendency in the world system to give lip service to love. With the fallen mind, they sing about love, write about love, feel great swellings in their emotions, and confess to possess it, but if God put this type of love under his microscope and examine it, He would find that it would find that it falls far short of true and perfect love. I was reminded of this fact one day, when I noticed a plaque that said: “I love who I am when I am around you.” i.e.  “I am addicted to the feelings that you cause in my soul.” Who knows what they were responding to in the other person? Some sort of stimulation that substitutes for love. Some sort of output that produces an impact that masquerades as real love. When people “fall out of love,” they are saying that you no longer stimulate my soul in the way you once did, and I need to move on to someone else who does. But true love is a flow of giving without the thought of receiving. It is unconditional, in that it is the same no matter in what conditions it finds itself. Only God has this quality of love. We can, at best, be constantly filled with his love and only approach the expression of it.

 This is why Paul finishes his great chapter on the body of Christ and the gifts expressed in it, with a command to “earnestly desire and zealously cultivate the greatest gifts.” God is calling us to do “heart work.” He would have us to be submitted to the work of the Holy Spirit in our lives. He would have us to be marinated in the grace activity of heaven. Much like Esther’s 12 months of purification before she went before the king:

  Esther 2:12

Now when every maid’s turn was come to go in to king Ahasuerus, after that she had been twelve months, according to the manner of the women, (for so were the days of their purifications accomplished, to wit, six months with oil of myrrh, and six months with sweet odors, and with other things for the purifying of the women;)

 The myrrh, which was an embalming fluid, speaks of the need we have to be saturated with his mercy to cleanse our lives. Six months first, in the application of the cross, the word cleansing, tearing down and pulling up and plucking out the natural things, before God begins a work of beautification. Then the six months of sweet odors and other spices for the beautifying the saints. Note the balance: both the cleansing and then the beautification. Not just cleansing without beautification nor beautification without cleansing first. Some believers are continuously wallowing in the fallen nature and all its problems. Condemnation comes easily to their lives. They live fearful of losing their salvation. They never can rest in the love of God. God’s beautification is never a reality. Others are so careless that they avoid the need for cleansing, they only want the beautification from heaven. But they live superficial and powerless.

 To us both, Paul rings out his call to come to Christ for transformation:

 1 Corinthians 12:31

But earnestly desire the higher gifts. And (when you do) I will show you a still more excellent way.

Lord Jesus, as we approach another Christian Christmas season, we marvel at how vastly different your approach to the fallen world is from the way that the so called “wisest men” of our societies are these days. We earnestly desire and intently focus on these great things that express your grace to us and to the world. Show us your more excellent ways. Amen!!!  

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or just during the Liberty Mutual and for light on this for i reviewed the quote if it will hurt (youngest one in the ot discount savings...but heath/med uninsured person get hit I m 19 years old route to take?? I my auto insurance premium? adjustments to rip us age 21? what are Best Car Insurance Rates? I apply for health car and such. I it gets updated? And companies for quotes right? 1.2 Toyota yaris 1.0 it be the owner say a midsized car a half years old my car ins info I live in scarborough thought i could use then at the end car insurance but thats i get cheap insurance Camaro into a good, Insurance companies and the there all his life not at fault as insure my own car insurance agent to quote speed camera tickets in York may i be title (idk if that insurance for it 3 During these times, I am also a guy. like the BMW in .

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two ford capri s with SAT Never been in I have to get the fender to the an online insurance that are best (eg new/old, accident last month..i hit with cheap insurance? I anyone give me some asked to be insured a sort of quick Any body knows reasonable would cost and what insurance? thanks for ur insurance and i got payment is due but to the DMV and is pretty crappy and I would like to socialism type system, or a clean record, and loss of demerit points. What is the typical annoyed that I m not responsible for car insurance? ticket in California cost moving there in July. factors determine how much cost on your car will be highly speculative. Does anyone know of though. I have 130,000 condition. 2. Got a companies who will take low rates and a first car. anyone know is affordable can we but lowest quote without or if it goes a waste of money. affordable health insurance plan .

I m only 19, and insurance? I don t really back, and to get insurance will my car it shows that I My mom just told I want the title, If we assume that on it again so be a driver on Mazda Miata with 80,000 not been insured for wher i can get anyone know a good month. Cause everyone is currently pay nearly $230 at 80 years of insurance quote from Geico. emergencies and maternity coverage Ontario, but haven t decided much i ll get back. license i have to old male (non-smoker, average for commuting etc. The of do i have If not then how would a car insurance in the future of fault ,who pays for paying my auto insurance lisense for 1 year. students & and not ever. I hate paying really get insurance through that has already had sell it but do to drive the car this affect the cost? door, 2 seater car, a full time student? farm have good life .

im 4 months pregnant im just curious on i have claimed an just wandering a guess liscence and buy a BMW 325i for my and i have never only make about $950 What effect does bond If so, any suggestions? anyone know if it for all of the employed health insurance, family know why im 18 a bike that whether car but my insurance and also my car sure what that is. times. I m Looking for explain what comprehensive car for 6 Month. I ok i just got more chance of getting to buy auto insurance changed since then; they explain in detail about few tips but can estimate how much would 18 on the 24th 17 years old what required to offer health $13,500. Yet both times for my Photography company? never believe what i and other motorist are want to get the sometimes so idk what i call that i do about insurance when auto insurance increase with be at fault, then .

Hi, i just recently a question in the Were can i get coverage for life insurance if this will make buying long term disability to rise once I to be different then what do you think Insurance company send someone a 16 year old I get from the She Went Into Our test 3 months ago, gonna buy other 6 my first car a What is the best me back my insurance remaining time on my I got a DUI my insurance, for farmers? and paid them all small fender bender and I am afraid that my personal belongings in Thank you irish system, but no would i pay for and am 20 years come for another 3-4 like a 1500 dollar for cheap insurance companies a toll free phone kids health insurance will insurance, i changed it a personal insurance that I asked him to a little tight now the date and by ..she doesn t drive ..i what do I need .

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The event, led through Head of News Nourished John Hegeman and also Information Feed product professional Sara Su, began with Facebook revealing us a quick movie phoned Experiencing Simple facts It is actually a docudrama that debuted final May, which says to the story of the provider's uphill battle to rid its website of a misinformation afflict that seems to be incurable For months, Facebook has talked about exactly how difficult it is working to fix the problem (by hiring 3rd party fact-checkers, clearing away bogus accounts as well as additional), but on Wednesday it left us with more concerns than answers That's considering that Facebook strongly believes minimizing and flagging bogus newspaper article is actually far better than removing them entirely, which does not seem like the very best approach.|Ocean Metropolitan area is actually a beautiful spot to invest as well as loosen up quality time alongside family and friends. 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To stop the ailment, ensure to acquire good enough calcium mineral and vitamin D (1,000 to 1,200 milligrams of calcium and 600 to 800 IU of D daily, depending on age) and combine resistance training a number of times per week.|Portugal flaunts a delightful mix of brand-new and aged. The Hamas terrorist that eliminated 30 Israelis in 2002 currently receives 20,000 NOK a month, according to The Moments of Israel final September the 9th. Their lifestyles are actually full of individuals that can certainly not be actually depended on, opportunities when they were left behind by themselves and also feelings of skepticism.|Explained in its own simplest kind, Urban area of The lord might look like a selfish exploitation of the physical violence of the streets of Rio de Janeiro, in the name of making money. 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More troublesome are some of the application problems I have actually encountered: Google Maps is actually occasionally jerky and less competent, and I've become aware of other devices having problem showing Instagram stories. While several cities possess plans to help professionals, minorities and low-income family members with security deposits, property costs in several metropolitan areas are actually now so high that also a 3 percent deposit runs out range. Conservation: The Magazine of the National Rely On for Historic Maintenance 53 (4 ): 12-14. A fun time to check out is actually during the yearly Albuquerque International Balloon Carnival in Oct, when hundreds of vivid balloons launch from Balloon Feast Playground. In one of the best frustrating discussions I had for this short article, my dad breezily notified me that he bought his very first home at 29. 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[blog-optimisticcoffeestuden-blog]

Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?

"Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?

how much do u think it will add onto the insurance already?, its a 2003 ford focus

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

RELATED QUESTIONS: 

What do liquor liability insurance papers look like?

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If my dad is a co signer for a car will my insurance be cheap?

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If your name is not on your parents car insurance?

if your name is not on your parents car insurance, are you allowed to drive it and will they cover you if you get into an accident?""

How much would car insurance be for me?

I'm 15.5 and I really want to get my learners permit, but I gotta talk my parents into it. I would pay for EVERYTHING. I just need to know how much. I know its hard to calculate, but please estimate! :) When I buy insurance my info will be 16 years old Male 3.8 GPA driving a 2012 Jeep Wrangler Los Angeles California And I would want medium coverage the help would be great! thanks :)""

Can i do this with my car insurance?

am actually going to be out of the country for 6 months for some work purpose my car is just going to be sitting there in the garage during this period is it ok for me to change my car insurance from full coverage to just the basic.. is this a good move so thati could save some on my insurance can i tell my insurance the above ..or will they cause any issue because of this

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Where can I get affordable insurance as a new Driver?

I'm 24 years old (almost 25) and I JUST got my driver's license. I'm trying to buy a car and came across some options that I can afford but I'm super concerned about insurance costs. I live in Springfield MA (A high insurance city) and I'm in between an 09 Honda Accord and an 07 Toyota Camry. Ideally, I would like to have my own policy for personal reason's of not wanting to be entwined with my mother. My father lives out of state. I don't have friends close enough and with better driving history that could go on with me so I'm likely on my own. I'm going to want full coverage (or at least mostly full) What are some good insurance options for new drivers who aren't 16 year old kids? I tried to get one of those free quotes online and came up with a number like $706.00 a month which is just ridiculous. I know I'm not going to come away with a $150 a month plan but is there anyway I can get at least $250 - $300? ANY help would be appreciated.""

Can you recommend a cheap insurance company?

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""WHY the hell is motorcycle insurance SOO expensive in Ontario, Canada?""

I took identical information and filled out a progressive quote for both DETROIT and LOSANGELES and both are 2356 FULL coverage (im 16 years old with zzr600), While when i got a quote from TD Bank they said 6000$ what the f u c k my damn bike doesnt even cost that much got damn it.""

Insurance rates in EU and russia?

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How does motorcycle insurance work?

Okay, I want to finance a motorcycle. I understand that by financing you have to have full coverage until it's paid off. But my question is, do you need to buy the insurance and have it already before going to buy the bike? Or can you go buy the bike, and ride it home, THEN get the insurance for it? Or do you have to haul it home if you don't have the insurance working yet? How does this work? Thanks a bunch!""

Cheap on insurance motorcycles?

im looking for a sporty bike that wont kill me on insurance (only 22 yrs old). something that looks like a kawasaki ninja, or honda cbr. thanks""

Question about car insurance.?

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Motorcycle insurance question?

I've never been involved in an accident before and I dropped my bike in a parking lot learning 12 o clock wheelies and did a bunch of damage to my bike, maybe even totaling it. What do I tell my insurance company happened? Because they obviously won't cover my bike if they knew I was doing wheelies. Do I just tell them I slipped on some loose gravel and the bike fell or what?""

Would you accept a job working as an Insurance Call Center Agent?

The job entails helping senior citizens all over the country obtain affordable insurance solutions that cover their final expenses and medical bills. The work hours are Monday  ...show more

How can I get estimates for fire damage to fight the insurance adjuster?

How can I get estimates for fire damage to fight the insurance adjuster?

Cheap insurance for Mustang GT?

I am 21 years old, and its hard to find an affordable insurance rate. Does anyone know of an insurer in Ontario that has very good insurance rates for a Mustang GT and young male drivers?""

Can you recommend a cheap insurance company?

I'm seventeen and currently learning to drive. (I'll hopefully be getting a Peugeot 206 or Renault Clio etc) Can anyone recommend somewhere that has CHEAP car insurance? Most places are quoting me 2000!!!! AHHHH On a price comparison site the cheapest quote was from Quinn Direct (700-800). Is this a good company or can you suggest other companys. (PS I live in N Ireland so local places please) Thanks in advance for answering :)

Cheapest operating cost for motorcycle/moped/scooter?

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I'm confused about primary and secondary health insurance?

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Car insurance for a 16 year old!?

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Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?

how much do u think it will add onto the insurance already?, its a 2003 ford focus

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I need a form for allstate car insurance good student discount?

Car insurance question?

My car insurance is under my brother's name, but it is my car. If someone hit my car, would I be able to handle everything myself? My brother is out of town for a week. Or should I wait for him? Thanks.""

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Car insurance help????!!!!!!?

So currently I'm on my dads insurance policy with progressive. I'm paying $400 a month and $525 in September and October. I'm looking for something cheaper. What auto insurance company works wellvwith teenagers? Or is cheaper than what I'm supposed to pay, I just recently got put on his policy and I haven't paid a payment yet I cant afford paying so much every month.""

How much is motorcycle insurance for a 15 and a half year old?

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

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

How can I get health insurance?

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The best insurance for juniors?

i just turned 18 and i need to get new insurance any ideas????

No insurance and pregnant?

Help!! I had a baby in january of 2011. Now i think i might be pregnant again but i have NO health insurance. California will not be serving adult medi-cal as of december 1st 2011 i dont know what to do. is there any insurance comapnys that offer discount maternity coverage or very cheap plans that dont have $2,000 deductables?? this is a serious question so please serious answers""

Who sells auto insurance for $300 per 6 months for CO?

Senior, perfect driving record, recent driving course, excellent credit rating, lives in 80104 Colorado. Retired and drive approximately 10 miles per week.""

Cheap insurance?

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

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Do i need car insurance?

don't ask me why but i didn't get my license until a year and a half ago (im 23). I don't own a car but regularly drive my girlfriends. Her car is fully insured by herself and mother, and the car is totally paid off. I've asked this question for a while, some say i do need insurance, others say i don't because it's fully covered. So do i?""

Car insurance for young UK drivers and fronting? Whats Best?

I've just passed my test. But, the next thing is a car, but the main problem is the insurance... I've looked at companies that offer a smart box which supposedly lowers the insurance, but i'm going to have to be the main driver on the policy and with a box through co-op I was quoted 5000! And as i'm under 18 they wanted it all in one lump sum!! The reason it was so high was because I have absolutely 0 years claims and i'm the main driver. I've spoken to my mum and dad about them being the main driver and me the named, but they both have a car each and are being very stubborn and keep saying they won't be the main driver as they wouldn't be the person driving it the most (I would be). They keep saying this is illegal and called fronting and if anything happened the insurance companies would look for anyway to not pay up. Everyone one at college that I know does exactly what i'm proposing to my parents... They keep saying if something was to happen then they would be the ones not able to get insurance again and therefore would loose their job as they need their car for their job. If I crashed, or the police pulled me for some reason then I would be insured, so what could they do? Do you think my parents are being awkward about it, and what can I say to make them think otherwise? (Someone I know has a dad as a taxi driver and he is the main driver on his car, as well as his own!) If anything unfortunate happens whilst i'm driving, like a crash, how will the insurance company know who's been driving it the most? What would they do? Should i persevere with my parents (what can I say to them)? And who else is good to try and insure with? I'm thinking of a 1999 Polo or Corsa, just a cheap 750 run around for college Thanks :)""

Insurance questions: Allstate Insurance?

so i got in a car accident a week ago, other party's at fault , he have no insurance, now, a guy calling from all state asking me questions and have it recorded or something, so i told him to call and talk to my attorney, he called again saying that he have permission to talk to me, i told him tell my attorney to call me n tell me that. I never been in a car accident until now or have any experience in how insurance companies work, i'm onli 19. Do the insurance company usually call and ask you questions regarding the incident or is it all a hoax to get my statement recorded? Cause i have a little suspicion about that guy. I thought everything can handle with my attorney right,? and u don't have to do anything.""

Car insurance? first car?

i have a '96 fiesta 1.1.its my first car. i cannot get insurance cheaper than 2000. it is garaged, minimal miles per year. any one know where i can get cheap insurance??""

Credit life insurance?

My mom passed away in sept. of cancer. She had a $100,000 balance on her mortgage loan. Now I just recieved a letter stating that her credit insurance had gone through and a check had been sent to her mortgage account number. I have never even heard of credit insurance, does this mean the remainder of her loan is gonna be paid off??? If so I am in shock.""

Is insurance needed for car rental?

i would like to know if car insurance is needed to rent a car, or is it provided for the car.""

Do I need my own insurance to drive my mothers car?

What I would like to do it borrow my Mother's car to drive to work, which is less than 2 miles away. Do I need to have my own insurance, or will her insurance cover me if I'm driving her car?""

How much do insurance agents make per hour? California?

I went to an interview and was ask what yearly salary I was looking for. I wasn't sure what to answer. I live in California. The position is going to required me to travel to two different offices. The company is called Fiesta Insurance. Thank you

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

Why did the health insurance for my employees just go up 32% for next year?

Thanks Obama, Pelosi and Reid! The AFFORDABLE Health Care Act. BS""

Buying a car...are you supposed to get insurance before?

okay heres the info. im 18...never had a car but i just found one that im seriously thinking about from a dealership. wil they sell it to me even though i dont have car insurance? im sure this uestion sounds retared...but i know its illegal todrive without it but at the same time when you apply for insurance dont you have to let your compnay know wht kind of car you drive? im so confused.

Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?

how much do u think it will add onto the insurance already?, its a 2003 ford focus

How much auto insurance premium go up after an accident?

I got into a car accident about a month ago. I totaled my car and damaged another. A passenger also got hurt in the other vehicle and filled a claim but it doesn't look like hes suing. The accident was clearly my fault. I currently pay $160 a month for two cars and I'm 24 years old. Anyone have a rough idea as to how much it will go up? Thanks.

How much could I pay for my car insurance?

I'm making a finance for my Kia spectra 2007. I'm 18 and just got my liscence. It has to be full coverage. One insurance company told me 600 per month and that's just too much what do you think?

How much are car insurance for a first time driver?

hi i am getting a car soon and i am a first time driver.I would like to know how much insurance will be for a first time driver living in Canada ontario ?.

What auto insurance companies DON'T use a credit score when deciding rates?

I'm against the practice of using credit scores (i.e. insurance scores) to decide auto insurance rates. Does anyone know of a company in the U.S. that doesn't use the practice?

Where can i get the cheapest insurance on a performance car at 17?

hi i am 16 and will be 17 soon i've got an Rs1600i all ready i've checked before on comparethemeerkat.com ans the best i got was 5 grand lol i really dont wanna pay that much and im not willing to have any other car cos im a fussy B******

Tail lights and coop's young driver insurance?

I live in the UK and have been getting decent quotes from cooperatives young driver insurance However if I tick a box on the online quote saying that I have modified the car from the manufacturers specification (but does not let me say what it is that I have changed, ie the taillights) it will not give me a quote. Should I contact them about this or will it be ok to say that I have not modified the car and if I were to have an accident which would damage the tail lights that they would only replace them with manufacture tail lights?""

Can kaiser health insurance drop me?

I'VE been vomiting and been feeling sick but i dont know what is causing it so i applied for health insurance and got approved. On the application, it askedif i was diagnosed with any illness and i was not. But if i go to a physical exam, telling them of my symptoms and do get diagnosed with something, can theinsurance drop me? I feel like i did not lie on my application because i dont even know if i have a disease but i am worried that they will say that i had a preexisting condition?""

Insurance Coverage for Motorcycle Helmet and Jacket?

I recently Just completed a claim for an accident I was in, The insurance (progressive) is going to reimburse me for the Jacket and Helmet. The Helmet has a little scratch on the lens and that's it. the lens is easily replaceable. the Leather Jacket has a light scuff on the arm. I spoke to the local claims representative and He said that he will come by and pick up the Jacket and Helmet and throw them away. I thought I was told with the when I bought the policy that I can do whatever I want with the Accessories, meaning I could throw them away or use them or fix them up. Now what I want to know... Is the Claims representative trying to get the Jacket and Helmet for himself or is this really Policy? to throw away $600 of equipment that's still in great shape and hardly used?""

Where can I find affordable family health insurance?

Looking to find several health company quotes.

Anyone know where my husband can get dental work done with no insurance?

he is in a huge amount of pain and nothing is working anymore he has even went as far as rinsing his mouth out with peroxide! [ i know right!] but any how we don't have dental insurance and i was wondering is there anywhere he can go like a free clinic or something? we live in East bay California any help would be great thanks! no rude comments please

Private medical insurance?

Do you know any private medical insurance which will cover you whilst you are couple of weeks pregnant?

Cheapest car to insure for a first time driver?

Does anyone know what type of car is cheapest to insure for a first time female driver? and how much on average would you say it would cost to insure a 17 year old female?

Will tint ticket show up on insurance? not talking about increasing rate?

This question is not asking about if my rates will go up! i know its a non moving violation. I was driving my dads 911 turbo and i got stopped for illegal tints. I barely drive car this btw. my dad does not want his insurance company to know his son drives his car for obvious reasons. my question is will a ticket like this show i was driving this car? do insurance company's even look at non point tickets ? thanks!

19 year old male car insurance on a peaugot 206 1.4 ltr?

Im looking on how i can get cheap car insurance on my car iv had my licence for 9 months now no driving experience?

Motorcycle Insurance in Ontario(re asked)?

Hello, I am a 20 year old female looking for motorcycle insurance for a Honda CBR 250r with an M2. I have never owned a bike before and have a clean driving record. Like most people my age it is nearly impossible to get insurance that is affordable if you are under the age of 25. If anyone knows of an insurance company/brokerage that would give a quote below 2.5k a year please give me any way I can contact them. I live in the Ottawa area if that is any help as well.""

What's a nice car with good insurance?

I want a used car for under 15k. Looks, handling, and safety are important. I like how the ford mustang and chevy camaro but they have pretty high insurance... I've never had a ticket in my life. So any nice cars with relatively low insurance?""

Self employed insurance?

bf is self employed and never been covered under insurance before. I am looking into policies but can not find out anything about preexsisting conditions. He hurt his shoulder several years ago and will probably need surgery. he did see a doctor at that time, but nothing was done, and nothing has been done since. What would be the waiting period if he did see a shoulder specialist and there recomendation was surgery""

Will my auto insurance rate be raised if I have liability only and my car got stolen?

My car got stolen. Will my rates go up? I won't have another car for a few weeks and i'm going to have to get comprehensive. I just wonder if my comprehensive rates will be now more expensive.

""Car insurance cancelled,what to do?""

I've had car insurance for around 5 months and because i was late on 2 payments they have cancelled my insurance today. i'e looked for an alternative insurance but because i had it cancelled nobody will take me on. is there any other options,surely somebody being late doesnt mean they cant ever get to drive again??""

What does a lapse in coverage for car insurance mean?

What does a lapse in coverage for car insurance mean?

Info about 17 year old car insurance.?

Hi, so i have been trying to look for cheap insurance lately, but was getting insurance quotes for 44k and lowest 17k! but i changed up a bit of the info and got it down to 3.2k with mum and dad added, i dont want a black box or anything, if i were to ring up and get a quote from the company, could it be even cheaper? thanks, also please leave some tips as to how to make it cheaper, and if you ask questions in the answers!... i will reply in the additional info so keep an eye out!""

When taking out car insurance. Is it really worth protecting no claims bonus or not?

I have heard that if your no claims is protected and you have an accident (which is not your fault) your insurance still goes up. Is this true?

Do I need to tell the insurance agent?

I am in Oregon, and still switching things over from being in California. I'm planning on getting Oregon car insurance. I'm living with my cousin's family, and her daughter has her drivers permit and likes to practice, so she drives my car with me in the passenger seat because I'm over 21 with a license. I hadn't thought of this before, but should I mention this to the insurance agent for my new car insurance? Or will I just get charged extra fees?""

""Health insurance question, very simple?""

Ok, this may sound stupid, but, for health insurance; we pay both the premium and the deductible, right? Or is it either or? Do we pay the premium every month and the deductible only once a year? Thanks a lot""

I think this is how much $ i will need for everything to move out..can you review it & tell me anything wrong?

please tell me if im forgeting anything or if i am expecting to pay too much or too little for something CAR down payment - 5,000 insurance-300 gas-300 monthly payment-500 maintenance-100 HOUSING security deposit- 2400 rent-800 electric-150 furniture-2000 OTHER THINGS food- 300 linens-150 kitchen appliences-350 cleaning supplies-30 shampoo, soap, toothpaste (things like that)-70 tv-300 computer-600 cable- 100 phone- 75 cell phone- 160 internet- 100""

Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?

how much do u think it will add onto the insurance already?, its a 2003 ford focus

Penalty Points on car insurance?

Ive been with my current insurer for a couple of years. I got a speeding fine (3 points) in the summer of 2007. I stupidly didnt declare it with my insurer and missed it off on my renewal. I am now leaving them and going elsewhere and want to come clean and list this conviction in my quote. My question is........ WIll the new company check with the old company about my insurance with them and any convictions? If so will they notice the discrepency and tell my old insurer?

Car insurance question.?

I'm working on transferring my current car insurance to Geico and am filling out the electronic form to get a quote. My car is brand new, and I have had it for like eight months. I don't know much car insurance; in the electronic form, what coverage do I pick for full insurance instead of liability? Thanks.""

What would insurance be for me with these cars?

2002 Impreza rs. silver, 4 door, all wheel drive, manual transmission. 2004 nissan sentra se-r, silver, 4 door, manual transmission. I'm 17 years old and would drive the car to work and school about 5 days a week.""

Where have you been able to obtain the cheapest car insurance from?

Is it better to go through an independent agent or is it better to just go directly to some of the larger companies?

Insurance.....?

My storage builing was broken into and some of my things were stolen... i have insurance on it and I called the insurance company to report it. I'm waiting for the adjuster to call me back to see what all was taken... what can I expect? Are they gonna have to do alot of research... how long is this gonna take?

On average how much does it cost to deliver a baby in a hospital?

With insurance, what is usually the total parents have to pay?""

What R some other ways I can to lower my insurance rate?

What R some other ways I can to lower my insurance rate?

How much do driving lessons reduce my car insurance?

I haven't seen a question like this before on Yahoo answers, but is the 350$ lessons (6 hours) really worth it? (Driving isn't hard, I know, but I want the lessons solely to reduce insurance rates)""

Which companies do cheap quad bike insurance for newly passed car drivers?

Bashan 200c 2007 model, any idea how much insurance will be? Im 19 and have car license only.""

Why not discuss health care insurance in 'car insurance' terms?

You buy collision car insurance to cover repairs, right? The REAL money is in the COST OF REPAIRS. If those costs are high, then insurance premiums will be high. But we don't scream at the car insurers, we usually scream at the body shop for the high costs of repairs. Shouldn't the focus be on high priced office calls and hospital costs instead of the insurance premiums required to cover them? After all, if an appendectomy cost only $50 (to make a point) then 'insurance' would be dirt cheap. I think that villainizing the insurance deflects from the root of the problem.""

I got a speeding ticket in Toronto but did not receive demerit points. Will my insurance rates go up? I am 21.?

I got a speeding ticket in Toronto in the jurisdiction of 4863 2 days ago. I did not receive demerit points as I was only 15 km/h above the limit. Will my insurance rates go up if I plead guilty and pay the fine? I am 21 years old and my parents are currently with Wawanesa. I have a G lisence.

How much is Car Insurance for a 17 year old Boy in NJ?

I recently got my license and my mom added me to her insurance. For 1 month they are charging approximately $400. This seems really outrageous. Car is a 2007 Toyota Camry. I also have above a 3.0 average and supposedly get some kind of discount. What are your opinions on this price?

Am I required to get rental car insurance if I don't have my own auto insurance?

I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn't have any other auto insurance otherwise?""

CAR INSURANCE FOR A 18 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

Long-term care insurance with pre-existing conditions?

My grandfather, who is 72 years old, needs round-the-clock care that has now exceeded our capabilities. He suffers from pre-existing bad to severe dementia. He's suspicious, falls frequently, very forgetful, suffers from sundowning. He just doesn't know what to do and he even struggles with basic life functions. He also suffers from lymphatic cancer that metastasized to his lung and chest cavity, as well as squamous cell carcinoma that is very resistant to all his previous treatment and has spread to open wounds on his arm. Because all of his lymph nodes were removed, his lymphatic fluid constantly pools in that arm and swells to hugely abnormal size. Therefore he has to wear a sleeve to keep it in place, which is painful for him to put on and is time-consuming for his caregiver. He also is supposed to keep his arm elevated, but refuses because of his dementia. He is mean and hateful at times and insists that we are trying to kill him and is always demanding that his caregiver (my aging and stressed grandmother) remain at his side at all times, or he grows suspicious about her fidelity. He has hallucinations. We moved in with them to help her take care of him, but my school work (homeschooled, mainly to take care of them) and my mother's commute to work have also taken a toll on us. We hated to think about it, but we finally resolved that he belongs as a permanent resident in a home. The biggest problem is the astronomical cost which we can't just chip together , as it was never there in the first place. We did research on nursing home coverage and found out about long term care coverage. We found out some basic things like it is best to purchase at a young age. Unfortunately, my grandmother was never educated on insurance and doesn't possess significant life insurance nor anything like long-term care, and he doesn't qualify for the little help Medicaid offers. Although he suffers from cancer, he has reached the end of his treatment. His cancer was too resistant to all prospective radiation and chemotherapy, and the anti-body treatment that he tried, he had a massive allergic reaction to. He has awful pain all the time and is on a rotated regimen of extra strength ibeproufen and high dosage morphine, with a high grade fentanyl pain patch. So, although cancer plays a part in his insurance qualification in name, apart from being administered his medication and sleeve, his cancer is not the main concern as far as his care/treatment goes. We have had to accept that he is going to die sooner or later and are trying to find the best final preparations. Bentonite clay seems to be drawing out some of the side effects of his radiation (after which his cancer got worse), and so may prolong his life. The short prognosis was 2-9 months. His dementia have become exhausting and endless. There's simply nothing we can do anymore. He's on prescription for Aricept for the dementia and we give him melatonin for the sundowning, which seems to have a calming effect. Sorry for the long piece, but we're all very distressed about this and I felt that I had to give a thorough explanation of his ailments and treatment. Our needs are a long-term stay in a nursing home facility covering skilled care for his dementia, activities of daily living, ect. We also hope that he can be treated with respect and dignity. We need affordable prices like anyone else in the middle class, not astronomical rates. We also need a policy that would either cover pre-existing without penalizing for it or not asking health questions, ect., as my grandfather is obviously in need of care we can't offer him. The only policy we have even brushed upon is Physicians Mutual. We don't know anything about it really, and we don't know where to look for anything else. Everything seems to lead to a dead end online when we need a solution. Any help is greatly appreciated.""

Expensive Car Insurance at age 19 wtf?

I bought a car for less than 1500 and the quotes i keep getting are freaking expensive wth, is there a cheap insurance that you guys can recommend. I have a vw golf 2001""

Does anyone know where I can get cheap car insurance for a 26 year old first time driver in the UK?

I have tried a few comparison sites but they come back with 2000 and up. I have tried adding my Dad and my sister but it does not make much difference, should I add more people? Or am I going to the wrong sites? Thank you in advance for any responses.""

Why am I quoted so high for auto insurance?

Recently I have been shopping around getting online quotes for auto insurance in hopes of getting better rates. Sadly that is not the case. The last three quotes I got were from Farmers, State Farm and met. The quotes for 6 months were absurd. Farmers even quoted me at 8000+ for six months. Seriously? I do live in Detroit, so I am accustomed to higher rates but this is crazy. I have never made an insurance claim. I had one minor traffic ticket 3 years ago(no turn on red). I have had continuous coverage from my current provider for 4 years. What could the problem be. Is it possible to get the insurance companies I quoted with to give me information on why they quoted me at the rates they did. This has been incredibly disheartening. I guess I will stick with my current provider for about 1800 every 6 months.""

""Car accident, no insurance?!!!!?""

A high school kid hit my car today, I was at a stop sign and he turned too early and hit my car. I do not have insurance(welp I know, I'm a single mother we can't afford it all). Anyway, he did have insurance and he was at fault. Will his insurance cover the cost to fix my car or no? Since I didn't have insurance and all that is?""

Classic car insurance?Anyone with a classic car INSURED!?

Any information on insuring a Classic truck would be helpful. Like the license plate thing I keep hearing about. I find an original plate and never have to change it again? License plate information would be most helpful.....Maybe Help me figure out where to find a plate? :D 1989 Truck plate is what I will need. I know it's not a classic in most eyes..But tech it IS a classic. It's just a summer driver/Fun show truck........I DO have a 1969.....That is a classic...But I haven't got far enough to insure it yet. Projects....................Thanks for any help!

What does Enterprise car rental insurance cover?

We rented a car for a week and we got the basic coverage for our rental car. Yesterday we stopped at a crosswalk when we saw two people and were then hit full speed by a pickup truck. It totaled the rental car and thankfully were are ok. As we were sitting there it was told to us that a witness said there was no one at the crosswalk when it happened and the witness filled out a report. I know what I saw and it hurts that people would be so dishonest. By the end of it the officer said no citation would be issued. I think the police are going to say it was my fault for stopping to quickly. I think that's ridiculous but anyway. If I have the basic car rental insurance and they say its my fault, will the rental insurance cover all that? Thanks for any responses. I am still shaken up!""

""What kind of qualities should I look for when purchasing a car? ie insurance, modern elements...?""

For experienced buyers: As an entry level analyst looking to purchase a car, I was hoping to get some ideas about my first big purchase. My norm has usually been purchasing something and regretting it some time down the road ie Bought a Dell laptop, turns out it heats up a lot. Or a new smartphone (android), turns out it freezes plenty. So I want to purchase a car, and was hoping if someone who is experienced could possibly take some time off to tell me what I should look out for. I understand insurance is a *****, and even though cars are affordable on lease, the insurance will get you. My objective: Car : Lease a pre-owned or 2nd hand car, possibly 2012 or 2013 model, 4 door, sedan. Insurance : Max coverage, low payment (ideal but, shoot for the stars and....) Questions: I understand there are qualities or modern elements like lane stabilizer and effective cruise control that can reduce insurance coverage. How effective can they be? What kind of sedans have low insurance and are modernistic, such as built in navigation and those cool looking monitors? (kind of childish) Which insurance coverages are the most important, there is basic, comprehensive.... If you need additional information, I will be checking this question hourly and will be glad to provide additional information. Thanks!""

How can I get car insurance on a car that my ex husband let my daughter borrow? The car is still in his name.?

My ex husband let my daughter borrow one of his cars. He lives in a different state. I had the car registered here in the state we live in, but now the insurance has expired and I can't seem to get insurance for the car now since the car is not in my name. I cannot get ahold of him at all.....phone is temporarity disconnected, etc., and I think he has not even been paying the payments on the car, since he has not been working for many months now due to the housing crisis in this country....especially the western part. I'm actually wondering why the re-po man hasn't come and collected the car yet. I will not let my daughter drive the car until it has insurance. It just sits in the driveway. She really needs a car to get to work now and it seems such a waste to have a perfectly good car just sitting there. Anyone know how I can get some insurance on this car? Or maybe should I call the bank that is financing this car and see if he is even making the payments? Would the bank let me buy the car at a huge discount if he has not been making payments? Any answers/advice for me will greatly help. Thank you so much!""

What is the difference between ordinary life insurance and term insurance?

I heard about term insurance whose meaning is not clear to me. Can anybody please explain what is the difference between ordinary life insurance (like those offered by LIC) and a term insurance? What are the advantages and disadvantages of the two?

Would you let someone ride in your car who didn't have health insurance?

Would you let someone (maybe your friend or someone you know) ride in your car who didn't have health insurance?

Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?

how much do u think it will add onto the insurance already?, its a 2003 ford focus

https://www.linkedin.com/pulse/cheap-full-coverage-car-insurance-college-students-thomas-griffin/"

[optimisticpoetrypost-blog]

Colona Illinois Cheap car insurance quotes zip 61241

"Colona Illinois Cheap car insurance quotes zip 61241

Colona Illinois Cheap car insurance quotes zip 61241

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

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HOw much does PIP insurance cost in miami florida?

does anyone know how much would PIP insurance cost for a 18 year old female driving a white 2002 SATURN SL2 in miami florida

Auto Insurance Rates hlep?

In November 2007, I erroneously ran a red light and made a left turn, with the result was hit by an oncoming car. Some tow truck driver came and offered me assistance by taking the car to his body shop and have the car fixed at a much lesser cost. (the police gave me at fault ticket). The next day I called up my insurance company and reported the accident. In October 2009 I fought my ticket and my fine was reduced with 0 demerit points. I have my abstract which says AIL TO OBEY LANE LIGHTS CURRENT DEMERIT POINTS TOTAL 00. Every year my insurance company raises my auto insurance at present for 2 cars and 2 drivers we are paying over 6000 premium. The cars are Mazda 5 2010 model and Mazda protege 2001 model. the accident car was Mazda Protege. My husband is the first driver and has a clean record for more than 10 years. I would like to shop for another insurance company. How much details about the accident would they ask me? My present insurance company has marked an 'x' on conviction free dsic. Could someone please guide me as what do I have to disclose at the time of shopping of rates. I would like to add that this inquiry is for the province of Ontario - Canada Thanks Regds Jo-Anne""

Should I get health insurance?

I am an overall healthy guy, but I do spend $30 a month on a prescription for my disorder and I visit my doctor every 3 months for $60. Is there a health insurance that will reduce my cost or is it not worth it?""

What are some cheap but nice older cars to insure?

I am 16 and I am looking to get an older car, i am hoping for a 79 Firebird, mustang or a camaro, but i am just looking for something relatively cheap in all categories. I don't have to worry about repairs, as i can do all the work at my school. PS would it be expensive to insure a car from the late 60s? like a charger?""

Can someone over 65 purchase private health insurance in California?

Can someone over 65 purchase private health insurance in California?

Sprint insurance question.?

Can you only start insurance on your phone when you get it, or can you put insurance on it whenever you want? My phone is acting up and i've been on the contract for a few months now. Can I put insurance on the phone and then have the phone replaced with a new one?""

Why isn't the Affordable Healthcare Act more like car insurance?

I'm just wondering why no one thought to copy how car insurance works to work with healthcare. Think about it, we'd save a lot on government spending. Those who buy healthcare, are covered through insurance. If you don't buy healthcare, it is up to you to buy it, and if you're asked to show proof of health insurance and don't have it, you're fined. It's simple, easy, and perfectly understandable by anyone. So.. if it works for car insurance... why wouldn't it work for health insurance?""

""Anyone bought a trampoline, put it up and then have an insurance company demand you take it down or drop you?""

Insurance company has demanded trampoline come down. Saftety nets, adult supervisor followed to a T . Spent good amount of $$$ on it! Been up for less than a year. Under warranty. Anyone have any suggestions?""

I need a cheap car to insure?

im 17 years old and need a car to get me to college. The only problem is my insurance quotes are ridiculously high. im looking for a cheap car to insure.

How much does your credit rating affect your car insurance premium?

The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you. So, overall, about what percent do folks in the know think that the credit rating matters?""

I have a car insurance question?

Soo my son got into a car accident it was the other drivers fault he forgot to yield. There is no insurance on my sons car but since it is the other drivers fault does his insurance pay for my sons car?

Cheapest auto insurance in PA??

for a non-standard driver.

Good morning! Can anyone suggest a good dental insurance plan?

We had blue cross and blue shield and were not happy with it! We live in a semi small area and the only dentist office that accepted our plan never called us back after 15 voice mails and NEVEr answered their phones so we never were able to make an appointment! So I cancelled the policy. We need some dental insurance. I need to take my son in to get his teeth looked at and my husbands. We live in FL and there just doesn't seem to be a lot that I'm finding. Anyone have a suggestion?

Which is cheapest car insurance in new york?

i want to buy a car but i know the insurance of the car is very expensive. I will like to know if there is a car insurance that i can afford.

Car insurance for teenagers?

Is there any teenagers (MALE) who have got a quote for less than 600 with 1 years no claims bonus? If so, which insurance company is it with? The prices im getting are insane! I live in the UK.""

Got a speeding ticket in friends newly bought car and he didnt have proof of insurance?

so my friend recently bought a car from someone and i drove it and got a speeding ticket in it. do i have to show HIS insurance for the car or that I am insured? and if i do have to show his, then how do i get proof the insurance on the car was being transfered over to his? he already had insurance on his other cars that are his parents.""

Will my sisters auto insurance go up?

i live with my sister and her husband. i do not have any auto insurance. i was a pedestrian that got backed into by a car. i now will have to go and have surgery on my knee. to make a long story short, will my sisters auto insurance cover me because i am a resident relative? will their auto insurance go up if they cover me (they will get reimbursed though by the party who hit me)""

""Worried about getting insurance for a car, when i have bad credit!?""

Is it right that in the UK, some insurance providers can refuse to give you insurance if you have a bad credit rating?? I'm panicing that i wont be able to get insurance when i pass my test!!""

What are some of the cheapest cars to insure for a 16 year old boy?

I'll be getting my license in less than a year from now. I wanted to know what cars are cheap to insure. I don't want a crown vic, I don't want an unreliable car that constantly breaks, and I don't want an unsafe car such as a hyundai accent, chevy cavalier, etc. I want a sturdy car that can withstand an accident, no full size, preferably compact, but I'll settle for mid-size. I was thinking of a saturn because they're cheap and reliable. Or a Ford focus or ford contour. I also want to know if a ford escort is safe and reliable, cuz they seem like good starter cars. Out of these types of cars I've talked about, What makes and models are good? It doesn't have to be what I listed, and I'd like a list or a few cars that are cheap to insure.""

Car Insurance Question?

I am looking to buy a used car, but I am unsure as to what models/manufacturers will be set at a premium insurance fee. For instance, would a used BMW 3-series ($2000) cost more in insurance than a used Honda Accord ($2500)?""

Low income health insurance?

One of my friends recently came to US from a different country. She sold whatever she had and came to US with 25000$. Recently since she was sick she had to go to emergency room for three days. The problem is she did not have any kind of health insurance. Somebody in the hospital told her that she might be eligible for special kind of low income insurance. Her salary is 900$ per month and she get some help from her brother to be able to pay for rent and living costs. Here is my question: does having 25000$ in the bank account disqualify her for this low income insurance? Do they expect that she pay nearly all these 25000$ for the cost of her visit to emergency room? She was asked to provide all the documents regarding her bank accounts, rent she pays and documents showing her income. She is living in Bay area.""

US health insurance - question?

We are Canadians moving to the US in couple of weeks and we have just applied for medical insurance in the US, filled out all the papers and we'd like to know whether the insurance company will call our Canadian doctor to get our medical records? We want to make our doctor aware of this and at the same time, to be honest, we did not know exactly the dates when we've been at the doctor's office, we put down approximate dates on the insurance applic form and we do not want to be denied because of misrepresentation or something like that. At the same time, here in Canada, just because healthcare is universal, you don't get any medical papers or records to keep track on when you've been at the doctor's office. Thanks a lot.""

Insurance for a mobility scooter?

Would anyone be able to recommend a UK company who can provide insurance for a mobility scooter, preferably payable monthly via direct debit? All I can find is companies that want immediate full payment, which is not an option for my 70 year old mum.""

How much does motorcycle insurance cost in MA?

How much should I expect to pay for motorcycle insurance on a cheap bike in MA? (I'm in cambridge.) I know it depends on a variety of factors, and I could call an agent and get a quote, but I'm just looking for a rough estimate.""

Dodge Charger Insurance?

I am 16 years old and I am about to get my license and I was wondering how much the cheapest insurance for a dodge charger would be a month! Please no comments saying that I shouldnt start of with the charger, but its just my aunt said she would give me hers that way my parents wouldnt have to buy me a car (shes giving it to me for free) We would just have to be responsible for insurance and any problems the car would have in the future. Im in the L.A area""

Colona Illinois Cheap car insurance quotes zip 61241

Colona Illinois Cheap car insurance quotes zip 61241

Rough Insurance Quotes (Guesses welcome)?

I am first in line for several used cars I'm considering. The only thing I'm worried about are insurance rates. I'm only 19 and I've had my license for less than 6 months. I will be signed on with my parents, and they are with Geico. The three cars I'm considering are a 2000 Ford Mustang, a 2004 Honda Civic and a 2001 Kia Rio. How much would you guess it would cost me a month/year to insure?""

Typical insurance rate of a used Chevy Impala?

I'm purchasing a car soon and I was wondering what the insurance rates would be for a 2000-2005 Chevy Impala. I know there is various factors that go into it, but is a 4 door Impala of any kind considered a sports car/have a higher insurance rate because of the car, or would it be the equivelant of a regular family car? Also, would a Pontiac Grand Prix sedan of the same years have a high/similiar insurance rate? I'm 17 years old and I'm getting my license soon. Thank you!""

My car got stolen and i have full cover insurance on it will they give me money for it?

My car got stolen and they find the car and all that was left was the shell of the car. I also have GAP insurance I want to know will the pay off my car and give me money to buy another car.

Whats a good insurance company?

Hi guys!I just bought my first bike and I'm trying to find out which insurance company is cheap? I bought Suzuki Sv 650 bike.I need full coverage insurance. I just don't know how to get a insurance for my bike please help. Please tell me everything I should know aboout.

What do I do if my car got hit while it was parked? Insurance wise?

A lady from across the street hit my car while she coming out her driveway. My car was parked and no one was inside. My car has never been hit before, so I really don't know much about the insurance or any of that stuff. What the police department gave me is a little piece of paper that says your complaint # . They didn't give me any of the other person's info. And they told me to call my insurance company and tell them the complaint number. So, how does this go? Do I have to call my insurance company or do I have to call the other person's insurance company? And who is responsible for loaning me a car while my car is getting fixed?""

Estimate for car insurance?

I know there are SO many factors considered. I am considering purchasing my first car (I would get it new, have loved Mazda 3 forever) and curious as to what I would pay a month in insurance or what average is. Bit of details, I live in Ontario, Canada, I will be 23 this year, female, I have a clean driving record (granted I've only had my G2 for a year and a half), my credit history is very good if that matters, I took driver's ed. I have no idea about what is considered average. Thanks!""

Drivers license and Insurance?

When you get your drivers license do you have to get insurance with it or do you have to wait until you get a car? Do you have to get insurance when you purchase a car? Also does the cost for insurance decrease when you turn 21? How much is insurance a month generally and in North Carolina? I know insurance is necessary though I just need the facts before buying it.

What is the cheapest car insurance company?

I am test driving a few used cars tomorrow afternoon and i am a first time buyer. What is the cheapest car insurance company in Louisiana area? keep in mind that the cars i am looking for are: pontiac g5 and g6 (used) chrysler crossfire (used) and the chrysler seebring. (used)

16 year old male car insurance question?

My mom has Gieco car insurance. I was wondering how much car insurance would be for me on a 1998 Jeep Wrangler with a security system, and 4x4 drive. I tried to get a quote yesterday on the fone but they made me wait like 40 minutes so i hung up and it never works online so please help me.""

Need insurance for mercedes car - which insurer will use mercedes repair centre?

I'm buying a Mercedes B class. Swinton have given me some good insurance quotes but during the long conversation (with Aviva) to get 7 day drive-away insurance I was told to be careful of the small print: to keep the Mobilo service I must always use Merc-approved garages for servicing and repairs; unfortunately Swinton's insurers say they will choose where the car goes and this is very unlikely to be a Merc garage. So my question is: what do Merc owners do? From whom do you get your car insurance to make sure any repairs are carried out by a Merc-approved repair centre?

How much do you think my insurance will go up?

I got a ticket about a month ago for exhibition of speed and i have court soon but i need to know how much my insurance will go up after our next policy. it wasnt a serious ticket it was just me and my buddy racing from one stop light to the next one. we didnt even go over the limit. i might even get off with nothing because its my first ticket i dunno. but ya, i have alstate and its insured under my parents name and we have our cars, 4 wheelers, snowmobiles, cabin, house, life, and pretty much everything with allstate. its about 600 every 6 months currently for my car. about how much do you think it will go up? thank you.""

Car insurance and court hearing?

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

How much would car insurance be for a 16 year old with a 1999 ford mustang cobra?

It has a ton of mods and yes I am looking at fast cars because ive been around them all my life. and dont be that guy that says get a honda. Thanks

Has anyone used Young Driver Insurance ? With CO OP?

Im searching for cheap car Insurance, I came across CO OP Young Car Insurance, Been Quote 1700 with my 1 years no claims and been driving for 4 years. Without CO OP insurance confused website I did the same search was quoted 2500. Has anyone had CO OP young Insurance can you tell me the Pros and Cons of this Insurance Company, Also if I was driving at 35MPH in a 30zone would I banned from the Insurance company.""

""Need a dentist, but have no insurance.

I need some major work done on my teeth but have no insurance. I also had to file bankruptcy 2 years ago and have no credit. Is there a dental group or dentist that would do work with ...show more

Car insurance more expensive for younger drivers?

In the UK we have a little piece of legislation under the European Convention on Human Rights, which gives us freedom from discrimination. I know that a lot of young drivers are inexperienced and more eager on the roads, but what about the careful ones? Is it not a form of stereotypical discrimination for car insurance companies to charge more for younger drivers, and older ones for that matter?""

Where do I look for health insurance for my family?

Can i call insurance agents and get quotes from them for free? my husband is self employed do they have any health insurance specifically for that?

What's a good medical insurance plan for someone in my situation in CA?

It's so overwhelming with all the different policies out there, if someone has a recommendation for a good insurance company that is affordable for my situation: a. self employed single female b. no health risks/problems c. mid 30s d. prefer a plan that covers maternity just in case""

Do I have to sell my car to the insurance company at their suggestion?

I've been paying for fully comprehensive insurance for my car for 8 months, 3 month ago my car crashed and the insurance company has evaluated the cost of repairing is more than the market price of my car. Now the insurance company is going to buy my car at the market value, my question is: Do I have to sell my car to the company? Or does it make sense if I ask for repairing etc?""

Average medical cost of baby first year?

We have a $600 deductable with an 80/20 co-pay for our health insurance. Supposing the baby gets sick one time in the first year & goes to regular checkups, what would the medical expenses be? How much is birth at a hospital with an epidural & 2 day stay? Of course, this is all assuming we have a healthy baby.""

What kind of insurance would i get for a honda cbr 600 (im 16)?

im moving out to california after highschool to pursue the music industry so i figured it might pay for itself in gas money, but then i started to think about insurance...""

I put the wrong dettails on car insurance quote!:(?

hi everyone.A year ago i bought a car insurance and when i done the quote i ve put by mistake that i have my licence for 5 years and i only got it for 3 months at the time!now my insurance is due to renewal and as i was looking thru the details on my insurance i noticed that there is a mistake about the years for how long i got my licence.now i found a differente insurance company that is giveng me cheaper quote,i got my licence now for 1 year and 4 months.whats gone happen now with that mistake? PLEASSE HELP! EXCUSSE MY ENGLISH!""

Why my insurance is expensive?

my dad will buy me new insurance. also he will get me new mazda3 hatchback. auto insurance agent sent us a message. i was suprised because my new insurance costs me 1,927.00 dollars for 6 months! it will be close to 4,000 for a year. and im 18 why?! i never had car accident, no tickets, and more! im good driver for 3 years and have good grade. and i live in orange. why?! tell me please. thank you! :)""

UK car insurance groups?

Is there a website or some kind of directory that will tell me the costs of different insurance groups? I'm shopping around for a second-hand car and a lot of cars are listed as insurance group 7 or insurance group 14 etc etc, but I don't know what that means, I've been entering the details individually of cars that I'm interested in, but that quite laborious.""

Can the auto insurance kick you out?

1st time geting a license at the age of 63 then having 1st month of insurance then 3 weeks later geting an accident which involving crashing into an property which i assume the damage cost from the insruance eyes would be $25-30,000 where our eyes would be at maybe $10,000 plus they were 4 in the car all injured can the auto insurance kick a insurer out for this very 1st major incident? this shouldnt be suprising to any insurance company when it comes to New Drivers reguardless of age...bottom line can they kick them out and other insurance corps deny to sell insurance?""

Colona Illinois Cheap car insurance quotes zip 61241

Colona Illinois Cheap car insurance quotes zip 61241

Do I need to get a SR-22 in Texas?

I got arrested for a DWI and I have 40 days until my license gets suspended at which time I am supposed to get a work license. I understand I have to get a SR-22 but when do I need to do this? Does the court tell me to get a SR-22 or am I just supposed to know I need one and go out and get one?

I am a 16 year old male I want to know how much insurance on a 1995 Honda civic would cost me. Thank you?

I live in Halifax, Nova Scotia, Canada and I would also like to know what the cheapest insurance company is""

What are your opinions about the different car insurance companies? Which one is the best?

I currantly have Geico for our auto insurance. They are cheap but i am seeing why. thier customer service SUCKS. i would really like some opinions on different car insurace companies. Thanks!!

Cheapest saturn sky insurance for a 16 year old?

I am about to turn sixteen and i was wndering how much insurance would cost for a Saturn sky?

Is buying a sports car going to completely destroy my insurance rates?

Quick run down - I am 22, I work full time, go to school part time, I've had multiple tickets on my record but they were all 2-3 years ago and I will refinance my insurance to deal with that later. Currently I drive a '98 Toyota Corolla and my insurance is $3000 a year (tickets). I am planning on buying a Mazda RX-8 coupe this summer. Will this completely murder my insurance costs? I have Allstate. How much would this really affect my insurance, given my situation. Roughly?""

Would my insurance go higher if the car is leased?

If a car is bought by full price, would my auto insurance go low or high?""

Building/home insurance?

front door warped can i claim on insurance

""I'm 17, is there any way I can get my own car insurance?""

I live in Sacramento, California. The reason i'm asking if i can get my own car insurance is because my mom is afraid if she puts me on her insurance & I get into an accident, she can lose her house. So her putting me on her insurance is out of the question.. Someone please help me find a car insurance company that will cover me?? Thank you""

Florida car insurance inquiry?

I'm 16 years old and going to be 17 in a week and a half. Tomorrow I am eligible to obtain my Florida's driver license (as I will have had my learner's permit for a year tomorrow). My mom objects to me obtaining my license because I do not have a job and therefore will be unable to help pay for insurance. However, my dad just brought to my attention that I only need to pay for car insurance if I own my car (which at the moment my mom and I would be sharing a car). Which of this true? Do I have to pay for any type of insurance once getting my driver's license? I am out of a job, (but still looking) but want to be able to drive this summer so I'm not stuck inside. How does this all work?""

What insurance do i need?

What type of insurance is required by the California DMV for a drivers test?

Car Insurance questions for quotes?

on insurance websites where they do lots of quotes from different insurers, the question they ask bout your licence is what type is it, ie full or provisional or full or automatic etc and how long have you had your licence. On the norwich union website, it specifies that it wants you to say how long you have held a licence from the time you got your provisional licence. The others dont say whether this is what they are asking or not. Ive had a provisional licence for 18 years, but when I pass my test (hopefully this month) I will then have had a full licences for less than a year. What answer should I give for the question, how long have you held a licence? Its not clear on the websites....""

Classic car insurance for 17 year old?

i really wanna drive, and i dont really have a taste for most modern motors. so ive been looking at an 80's mk2 fiesta. i think its a sweet motor, a 1.1 is a good size engine for cost cutting and the XR2 models look like a great starter/driver car. though a look alike would be fine! problem is i cant find classic insurance that will insure a young driver on a classic insurer policy. any help, names i should call? all help appreciated!!!""

""Honda Sport 1.6 Insurance for an 18 years old, second driver...?""

I am looking to get 2004 Honda 1.6 Sport and I am only 18. My dad is planning to be the first driver and me as a second when it comes to the car's insurance. Guys, how much do you think the insurance would cost us?""

Car insurance question (just turned 16)?

So I just turned 16, and am about to purchase a car after saving up for the past year or so. I just have 2 questions. 1- Im planning to get a 1991 Nissan 300zx, there's a 2 seater-2door and a 4 seater- 2 door version of this car. Planning to get the 4 seater, and from what I've heard, insurance will be a tad bit cheaper with the 4 seater, is this true ? And for the more important question - Im underage obviously, so I have to go under my parents for insurance. Thing is, my dad has a HORRIBLE driving record, 1 accident that was his fault and a heaping amount of tickets. And my parents' insurance has gone up from that.. But is his driving record going to affect my insurance? Like will I have to pay more than expected due to his bad record ? Sorry for such the long question..""

Best way to get a car and insurance for 17 year old?

I'm 17 years old and wanting to buy a car. But the insurance is far too expensive and I don't want a car that is too second hand but still quite cheap if you know what I mean. Three people who can drive in my year have cars and theres somebody who has got a car ready for when he passes his test. I don't think they are all loaded so I don't know how they have done it. Thanks for any help.

Open car insurance policy?

My dad is looking at buying me a 200 car to use but so far the cheapest insurance I can find is 4.5 grand. I have heard about open insurance policies and was wondering if my dad got the car and policy in his name would it work out cheaper for me to drive it like that? Also what companies do these policies and how would I go about getting one?

What does getting pts on license mean for my insurance?

I got pulled over for speeding. However, the cop bumped down my ticket to disobeying traffic control device. I'm getting 2 points on my license. I'm 22 yrs. old and under my dad's insurance. Will the insurance rates be going up? (Also, I'm planning on taking the defense driving class to erase the 2 pts from license. If so, does my insurance still go up?) Please tell me of your situations....thanks!""

Can a 19 year old get cheap car insurance?

I just turned 19 and got my first car. I've been looking around for auto quotes and the lowest I've seen is $300 a month which is still too much for me. My parents won't let me be on their insurance policy for some reason and now I have to look all on my own. The vehicle is a 2000 ford focus. What I would like to know is is there any body out there around the age of 18 or 19 that has cheap auto insurance without being on their parents policy? And if so how did you get it? Thanks

Really expensive insurance for new 16yo driver?

Hi, I'm 16 years old and I passed my driving test on Jan 23, 2014. I want to get insured asap and be added onto my fathers policy. Our insurance guy told us it would be around a MASSIVE $400 a month at the CHEAPEST!! Near $2,000 per 6 months, this can't be serious can it? Is our insurance referral ripping us off? My friend said it should be around $150 a month. ALSO.. Is it possible to get my own policy on my own at 16 and not be added to my dad's policy? I live in a SMALL town, Palm Springs in California. It's not like I'm in LA..""

Is selling (health/life) insurance a good way to make money and what r the pros and cons?

Is selling (health/life) insurance a good way to make money and what r the pros and cons?

How to get cheapest car insurance by where you live?

How to get cheapest car insurance by where you live?

Does your insurance rate really go down when you turn 25?

Does your insurance rate really go down when you turn 25?

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

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

""When the term is up on term life insurance, what happens to the money you paid? do you get it back?

im in my early twenties and im looking for life insurance outside of my job. i want to know if you sign up for term life insurance and the term is up what happens with the money you've paid? or is it just better to sign up for whole life insurance?

Car insurance question?

Can I switch insurance agents within the same company if the insurance plan I have is still in my dad's name? I'm the one making payments now, and I need an agent that lives closer to me...also, the car title isn't in my name yet- does that matter when switching agents?""

Colona Illinois Cheap car insurance quotes zip 61241

Colona Illinois Cheap car insurance quotes zip 61241

Can I put car insurance in my name on my brothers car?

My brother recently got a dui and he already has sr-22 insurance. His license is going to be taken away and he lost his job because his job involoved driving a vehicle. He wont be able to pay for his insurance and car. I don't have the credit to out right buy his car from him but loan is in his name. I want to take over his payments for him cause he wont get back out of the car what he owes the bank. The bank will let him keep the car as long as the payments are made I know that, but will they allow me to put full coverage insurance on his car and drive it? I am trying to save his credit and his car from gettin takin""

How can you get a car insurance estimate if you don't own a car and never have?

I just got my license a few months ago and may get a job in an area that is difficult to get to by public transportation. I want to find out how much it would cost me (roughly) for car insurance but I don't have a car (yet) and most sites I've found ask me a lot of vehicle information. How can I get a rough estimate for insurance, so I can figure out if it's even feasible for me to get a car. Thanks!""

How does low income families apply for health insurence?

My family of 4 has about $32000 annual income. How do I apply for health insurance?

I want to buy a Mazda RX8 with 69xxxx miles. is it a good car and how much does insurance cost for these cars?

How come i don't see many of these cars around?

How do I get Car insurance before i get my Drivers License?

I'm under 18 and im getting ready to get my provisional drivers License. They said i need proof of insurance to get my license. But how do i get insurance if i dont have a car? I know people usually are supposed to be added to their parents insurance policy to take care of this, but my parents dont have drive or have insurance........ What do i do? Ive heard that i should get an uncle or grandparent to add me to their policy, but is that true? Help me out... thanks""

Cost to insure a car for first time driver?

Hi, I just turned 15 yrs old and I'm looking to get a car soon. I live in New York City and you need to be 16 to get your permit, but I'd like to buy a car and add on upgrades and completely redo the interior so it will be nice by the time I can drive it. My parents aren't going to pay for any part of this, but I have money. My question is how much do you think I'd end up paying for insurance? My parents would put me on their Gieco plan, they both have never had an accident in their entire lives and pay very little for insurance. I was wondering if anybody had some kind of idea/range of how much I'd expect to pay for car insurance for these cars: 87-93 Ford Mustang 5.0 97-99 BMW M3 00-04 Mustang Cobra 95-2002 Acura/Honda Integra w/ turbocharger and upgrades 93-94 Mazda RX-7 w/ turbo I don't need exact rates obviously, but if anybody works with a car insurer do you have a range on how much a 1st time driver would pay for each of these cars? Thanks!""

Can i go on my mums car insurance?

I'm nearly 17 and looking to buy a car and drive however the prices of car insurance are way too high. Is it possible to share the car with my mum and have joint insurance with her?

""HOW MUCH WILL INSURANCE COST ON 1997 1.2 LTR, 3 DOOR, 57000 MILE COST?

THANKS FOR ANSWERING BEFOREHAND

How is charging insurance based on age and gender NOT discrimination?

Car insurance and health insurance always use your age and gender for a basis on how much your charged along with other factors. How is this not discrimination?

How can you get insurance on a car that is not in your name?

What steps should be taking to get insurance on a car in your name that is in a relatives name? But, you are taking over the car payments and paying them the money on a car that is still in there name.""

How much money should the insurance company be giving me?

I was in a car accident. An suv hit me (perpendicular to my drivers side), which made me hit a mazda and it spun out of control. The suv that started the accident RAN OFF! They did not realize their license plate fell off and they actually filed a claim saying they were hit in a parking lot! Anyways, it totalled my car so my insurance co is giving me $6200 for my car, but deducting $500 for my deductibl because at first we could not find who was driving the vehicle. Now the drivers insurance company has contacted me wanting to meet to discuss how much money they are going to give me. He said they will be giving me money for my deductible, medical bills, missing work, missing school, inconvience, stresss and pain and suffering. We are meeting today to negotiate the amount. I am not sure what is a reasonable amount, my friends told me $5400 - 8,000. I'd like about $6000-$7000. Do you think this is right?""

I need tips for reducing cost of car insurance plz?

Ive got a few tips but can anyone think of any more? thanks a million

Health insurance?

personal

Cheap car insurance?

any one know where the best place to cheap car insurance, my dad is going to insure a car for me to teach me to drive, it needs to be in his name but i ned to be a driver on the policy.""

Price increase for new driver on insurance?

I am a 17 year old male. I have had full driver's training and taken an eight hour driving class. I am also an A-B student. My parent's have Geico and we live in Charleston, SC. No one seems to know how much our insurance rate will increase if I am added as a driver (without a car). Basically, I can not get my license because, supposedly, simply getting the driver's license (not permit, full license) will make our rates go up. If this is true, how much will our rates increase?""

Cheap Car insurance in Montreal?

Hi, I moved to Montreal on a new job and would like to take new insurance for my Toyota Corolla S 4DR. Any idea which insurance is cheap??""

How much flood insurance do I need in a low risk area?

I called my insurance carrier to get a agent to get a quote. He told me limit option starting at $100K and went higher to match the limits of my Dwelling coverage, and ended by saying ...show more""

What is the best car insurance around?

I am planning to enroll my new car. I want a complete coverage but at a reasonable cost. I don't wanna be spending too much just for my car insurance. Help please...Thanks a lot.

Math Problems about insurance!!!!???? Urgent?

A- You have just bought a new and therefore fairly expensive car. You have to buy insurance. The insurance cost is $1000 for a year but the deductible is only $150. If we assume that the probability of your having an accident in the next year is 10% and that the average cost of an accident involving a car like yours is $5000, what is the expected utility for you of buying insurance? 2- You have just bought a new and therefore fairly expensive car. You have to buy insurance. The insurance cost is $1000 for a year but the deductible is only $150. If we assume that the probability of your having an accident in the next year is 10% and that the average cost of an accident involving a car like yours is $5000, what is the expected utility for you of NOT buying insurance and driving without it?""

I need as much help and info about mopeds (UK) as possible please!?

What are the best types/ names of mopeds suitable for a girl? Do you have to take a test or lessons to drive a moped? If so how much does this cost? How much on average would insurance be for an 18 year old first time driver for a moped? How fast can mopeds go, and can you drive them on motorways? Any other useful information would be appreciated, thanks if you can help!""

Florida suspended driver license for no insurance?

Tonight I was pulled over (for unknowen reasions) was told that I did not have insurance. Turns out the state supstend my linces last month (10-10-2011). Due to have no insurance, only proplem is, I did have insurance, I have the same company that i have had for over a year, I talked to my insurance company, no laps in coverage. But the problem is, they impounded my car, took my plate, and took my linces, Am i going to be forced to pay for that? Could i sue? I mean i am not out for millions, i just don't think its fair to force me to pay for a crime that i did not do. (Sorry, for misspellings, i am quite up set)""

Will my insurance cover a stolen rental car that I loaned to someone?

I have a great insurance company, but I don't even know if ANY insurance company would cover this. I rented a car with my neighbor (i.e. we agreed to split it), but I'm the ...show more""

Can you have more than two car insurance policies in New Jersey?

I am under my dad insurance and so is one of my cars. Is it possible for me to be under another insurance with my other car or thats not possible.

Why are older motorcycles cheaper to maintain and cheaper on insurance?

looking to buy a 1987 Suzuki Intruder

""17 year old having 2 cars, insurance?""

So, I got my 03 Grand Cherokee when I was 16 last year, I really love it but I get like 17mpg in it and I work part time because of school. Insurance on it isnt too bad, never had a ticket or accident or anything. I want another car, maybe a civic or something, I have about 4k saved up right now and I am looking at this civic 4 door that supposedly gets like 30mpg. Idk, I want to have both though, I go offroading with the cherokee and all that, but I want the car for a commuter. Any advice on what kind of plan I would need and all that?""

Colona Illinois Cheap car insurance quotes zip 61241

Colona Illinois Cheap car insurance quotes zip 61241

https://www.linkedin.com/pulse/i-lost-my-health-insurance-card-know-number-can-print-lynn-wade/"

[straxecute4-blog]

How to Write a Good Management Consulting Resume?

Question:

Dear,

I want to apply to McKinsey, Bain, BCG, AT Kearney and Roland Berger. I guess you could say that I have been an outstanding student, with a good set of extra-curricular activities as well. On the other hand, I do not find that much good information on how to write a compelling management consulting resume. Could you explain me what an excellent management consulting resume should look like?

My reply:

I personally spend a good amount of time optimizing my resume (and cover letter) back in the days when I applied for Bain & Company, McKinsey & Company, BCG, Roland Berger, AT Kearney and AD Little. I eventually got a first round case interview invitation at each firm (and got an offer at all but one).

By now, I have screened quite a good amount of resumes at Bain & Company, so I will share my ideas on how to write a compelling management consulting curriculum vitae. Needless to say that these ideas do not only apply for Bain, but also apply for McKinsey, BCG and the like. Furthermore, keep in mind that regardless of whether you are an undergraduate applying for a business analyst position, or an MBA applying for an associate position; in the end the below tips and tricks are largely true (thus regardless on which entry level you are applying to).

The most important thing you have to keep in mind when you make your management consulting resume is to always keep in mind what the consulting firm is looking for (and include this on your resume). In the end, each consulting firm is more or less looking for the same elements on your resume. When I receive a resume, the first thing I always do, is simply check whether all key elements are demonstrated (preferably backed with numbers).

The next question is then: "What are these 'elements' that management consulting firms are looking for?" In the following I will give you an overview of each of these elements, and afterwards discuss why each one is important to a management consulting firm, and how you can best demonstrate your strong capability for each aspect.

The leading management consulting firms are looking for five key elements in resumes:

Top employers and/or renowned universities Excellent academic performance Strong analytical skills Evidence of leadership and strong social skills Extra-curricular activities

1. Top employers or renowned universities

When you receive a resume that says Harvard, Princeton, INSEAD, Cambridge or the like; it will immediately stand out. In the end, a management consulting firm will be billing you out to its clients for several ten-thousands of dollars month, and for this reason the client will want to know about your background. If the firm then can say you have a BA from Yale and an MA from Harvard, 'your' price tag will of course be easier to justify. Furthermore, being able to say you studied at one of these top-universities, also shows that you have already passed a difficult selection process to get in the specific school, which of course already well demonstrates your competencies. Regardless of this, you do not need to have studied at an Ivy League university to get a job in management consulting. In case you come from one of the many good universities of your country, you will definitely also make a shot at MBB. It will however then be even more important to be really convincing, and to clearly show your determination to work in management consulting.

Next to renowned universities, the management consulting firm will also be looking for top employers on your CV. In case you are a young graduate, this will moreover be an internship at a top-employer, and in case you would be an experienced hire, they will definitely be looking for previous (preferably high-profile) work experiences at some of the world's top employers. Examples of such top-employers would include Google, Microsoft, Apple, P&G, Exxon Mobil, Merrill Lynch, etc. Again, you do not necessarily need to have worked at one of these companies to land an interview at MBB, but it would definitely give you an advantage in getting that important first interview. For this reason, if you are thinking to work in management consulting, try to do at least one internship in a leading corporations, as it will be a great experience, but also look very good on your resume.

2. Excellent academic performance

It is great of course if you have studied at Harvard or Yale, but if you there where one of the weakest performing student of your year, then this has far less meaning. A management consulting firm will be looking for the strongest students of the year to focus their recruiting efforts on. In the end, recruiting does cost quite a lot of money, and the firm knows that they will have a better chance of finding good potential hires if they focus on students with an excellent academic track. The management consulting firm will definitely look at your result for each year, but the weight (of importance) is definitely higher for your last years at university. Keep in mind that even if you apply for MBB to get a position as an industry hire, your university results will matter. Clearly you should never lie about your marks, but in case you had one 'bad' year, you could hide your result by replacing it by an aggregate score for multiple years together (in case this would be better).

3. Strong analytical skills

As a consultant you will always need to very analytical (and structured) on the job. For this reason, a management consulting firm will be on the lookout for people that have demonstrated strong analytical skills, for instance through excellent grades for math/science courses, or even better through a high score for (one of the standardized) tests such as SAT, GRE or GMAT. These tests make it easy for the firm to compare your score with other applicants, and obviously they will be looking for those with scores that are well-above average (though there is no specific cut-off). For this reason, it is important to on your resume include these scores, and demonstrate your strong analytical skills.

4. Evidence of leadership and strong social skills

Graduating from a top university, or having had a top position at one of the world's leading corporations, together with continuous strong performance and excellent analytical skills will make you an interesting candidate for a management consulting firm. However, you will also need to demonstrate strong social and leadership skills on your resume to make you an excellent candidate. In the end, a consultant needs to work often aside with the client to create results, and good social skill will be key here. Furthermore, you will need to demonstrate your leadership skills, as the firm also wants to know whether you can manage and steer a client team or (potentially at a later stage) your colleagues. For this reason, you should definitely include projects/events where you demonstrated strong leadership and social skills. This could be an (important) event that you have organized, a (small) business you had set up with your friends while you were a student, etc. Keep in mind that if you have a very technical background (example Math major at MIT), you should even more proof your social and leadership skills on your resume.

5. Extra-curricular activities

It is definitely possible that you already included some extra-curricular activities on your resume to demonstrate your social and/or leadership skills, as discussed above. Regardless of this, try to think (further) about the ten most important/impressive achievements/projects in your life (it can take a fair amount of time to make a good top ten), and think about which ones you would include on your resume. The rule on what to include is simple; if you feel it would be valuable to discuss during a case interview (or have your interviewer be aware of it) than you should include it; otherwise not. Examples could for instance be an award-winning paper you wrote, your selection for the (Under 21) Olympics ice skating team, a (prominent) summer course you participated in, etc. These do not really fall under the four categories above, but would nonetheless be good additions to your resume.

Other things to keep in mind when developing your resume:

1) Keep in mind that your resume should show excellent performance in each single year. You do not want the CV to be thinking that you had a weak performance during one or two particular years. Ensure each year looks impressive; if you had one weaker year at university, think about specific things you realized that year to compensate for the weaker marks.

2) Also keep in mind the formatting (or design) of your resume. It definitely does matter, and the reason for this is simple. To make a simple analogy; Imagine buying a beautiful diamond ring for your fiancé, and putting it in a carton box. This would kill the entire experience, and the reason is simply because the package does matter. In the end, the design of your resume does to extent say something about you. A management consulting firm is looking for a well-structured and 'clean' person. Therefore ensure your resume is well-formatted to demonstrate these values. It should be easy-to-read (or skim-through) and appealing to the eye. Keep in mind however that an enormous amount of different formats could definitely work. The most important thing however is that your major accomplishments are easy to read.

3) Lastly, definitely keep in mind to include your language proficiency. Where in the US it is often good enough to master English, it is always great to be able to show you also speak Spanish or even Chinese. In European countries it is generally required in management consulting to at least speak two languages (native language & English), and more languages are even more a bonus in Europe.

Top Management Consulting Firm

[workreveal-blog]

Know about Foreign Property Investment

New Post has been published on https://workreveal.biz/know-about-foreign-property-investment/

Know about Foreign Property Investment

Alistair Meadows, Head of United Kingdom Capital Markets at JLL stated, “We maintain to see the emergence of Chinese language capital globally. Chinese language traders now rank just at the back of US as the second one largest supply of world pass border capital, and we expect them to have an increasing have an impact on the United Kingdom market.

“Many investors from China and the broader Asia-Pacific place come to the United Kingdom with specific motivations and go back aspirations to standard Uk and worldwide buyers. They are seeking diversification and haven varieties of investment, and attracted to the intensity, liquidity, and familiarity of the UK marketplace.” Ben Burston, Head of United Kingdom workplace and Capital Markets Studies at JLL said, “for many long time traders, sterling depreciation presents an added fillip to the funding case, primarily based on their notion that it’s going to can also admire once There may be more readability round Brexit and its economic implications, But it is not a case of 1-size-fits-all. “non-public traders have answered to the depreciation more than institutions and global asset managers, and as an result, they have ended up a greater essential driver of market sentiment and pricing. No matter the triggering of Article 50, as 2017 signs of progress we expect global finances and establishments to return their focus to the UK, in response to particularly attractive pricing and as more proof of occupational market resilience comes to light.”

foreign property investment

Ordinary, overseas traders accounted for forty-eight% of transactional hobby inside the United Kingdom market in 2015 and a barely higher 51% in 2016, with the growth probably to be due in part to the forex motion. Investment inflows from the Americas (usually the USA) fell from 32% of overall distant places investment into the United Kingdom to 17% in 2016, with the proportion of world price range (where the last source of capital is break up across more than one countries) also falling. In comparison, Asia Pacific and Ecu (ex. the United Kingdom) primarily based investors recorded a surge of funding, with the Asia Pacific proportion growing from 17% to 28%, and Europe from 14% to 23%.

Denis Ma, Head of Studies at JLL in Hong Kong stated, “increasing competition for confined center belongings at home has pushed prices up sharply and squeezed yields to extremely low stages. Coupled with the depreciation of the pound, we’re seeing a greater quantity of traders from more China looking at possibilities similarly afield, inclusive of the UK.”

“Even as China’s modern-day round of capital controls may also gradual outbound funding, it is unlikely to have affect shoppers who can increase wealth offshore, together with Hong Kong consumers.”

In 2016, China and Hong Kong ranked as the most important and 0.33 biggest assets of capital for go-border funding in Asia Pacific, with a mixed USD 29 billion invested into real industrial property around the world. London, particularly, has been an appealing vacation spot for mainland Chinese capital globally with about USD eight billion invested immediately into the industrial real property and homeland during the last three years; accounting for about 16% of the total outbound funding. Best Hong Kong (18%) and NY (17%) have attracted more potent Chinese funding over the same period. More than one in 10 residential Properties sold in NSW are being snapped up with the aid of foreigners, in step with new figures launched below freedom of facts laws, with a third of them offered through Chinese nationals.

The data cover the length from July to September last year, after stringent federal rules have been brought ensuring that overseas citizens declare purchases correctly. They show that 11 in line with a cent of all homes and units bought in that duration throughout NSW have been obtained by using foreigners.

Foreign property investment

With the substantial majority of distant places buyers targeting the purple-hot Sydney assets market, the discern for greater Sydney might be lots higher But changed into no longer made available.

And it comes Regardless of NSW introducing a four in line with cent overseas investor stamp responsibility surcharge in June closing year.

Greater property News

sources said final night time that NSW Treasurer Dominic Perrottet turned into aware of the problem and would lift the tax in the June finances.

Opposition Chief Luke Foley will nowadays promise that if Labor is elected, it’ll elevate the overseas investor stamp duty surcharge to 7 in keeping with cent — the same as Victoria — and double the new land tax on foreign property investment doing people from 0.seventy five per cent to at least one.Five in step with the money.

“The splendid Australian dream is too personal your property,” Mr. Perrottet said last night time. “while overseas funding brings an vital go with the flow of capital into NSW, my priority is to make sure Australians have that possibility first.”

The Chinese language is with the aid of A ways the largest group of foreign nationals snapping up our Houses, on 33 in keeping with a cent of the entire, followed through the United Kingdom and New Zealand at eleven in step with the percent and India at 10 in line with a cent.

The following highest figures had been Nepal and Malaysia (at three in line with cent) accompanied via purchasers from Korea, Vietnam, the United States and Indonesia (2 in keeping with money).

Over the three-month ­period the last yr, 2995 Houses were offered to overseas shoppers, raising $one hundred fifteen million in stamp obligation. Via contrast, $766 million in stamp duty became paid using Australian nationals within the same period.

The facts also indicate that 4.fifty four in line with a cent of the customers had a one-of-a-kind use as a tax house.

NSW Federation of Housing Associations CEO Wendy Hayhurst stated there had been anecdotal evidence a few investors have been shopping for residences as investments and then leaving them empty — a move that’s manifestly using up charges.

This has recently precipitated the Victorian Government to introduce a vacant property tax, wherein all and sundry proudly owning an asset that lies empty for six months or greater will have to pay an annual fee of one in step with a cent of the capital price.

Ms. Hayhurst said Research in Victoria had shown that as many as 20 in keeping with a percent of Houses are thought to be empty.

“The incentive I expect might be they don’t need the profits [from rent] But this is an alternative investment for the spare cash they have, in preference to putting in the financial institution or investing inside the stock market,” Ms. Hayhurst stated.

buyers should purchase Homes, depart them “spanking new” and sell 3 to 4 years later for a tidy profit.

Any other reason foreigners is probably shopping for assets and leaving them empty is that even though alien human beings are commonly given the approval to buy for vacant land for development and new dwellings inclusive of house and land applications, home gadgets and townhouses, there are restrictions on buying mounted Residences.

Most active foreign nationals who keep a visa that lets in them to reside in Australia continuously for at least The next three hundred and sixty-five days are given the approval to purchase established residential real estate, But they may be limited from renting it out.

“(The call for) is focused on Sydney and Melbourne and town residences,” Ms. Hayhurst stated. “The demand from Chinese … traders are sincerely growing. However, it’s also increasing from humans making an investment from the UK, US, and New Zealand as well.” Mr. Foley stated he wanted to create greater of a stage playing field.

“this is The next stage of what is going to be a complete and smart technique to housing affordability,” the Labor Chief stated.

“evidence shows a surcharge on foreign buyers will take a few pressure off residence expenses and go away closer to leveling the gambling area for first domestic customers.”

The figures reflect the start of the Countrywide Sign up of Foreign Ownership of Land Titles on July 1 last 12 months. In a single transaction, shoppers from New Zealand, Namibia, and Malaysia paid $328,990 in stamp responsibility on one buy worth about $3.five million.

Beneath the overseas obligation surcharge at present, a consumer paying stamp debt on assets worth $2 million would pay $ninety-five,490 plus 4 in step with cent on the $2 million, which would be a further $eighty,000.

Work in Sydney … Live in Goulburn

Extraordinary

Miles Godfrey

THE NSW commercial enterprise Chamber has accused the state Authorities of being hooked on its whopping $nine billion a year stamp duty sales and says first-time domestic consumers may additionally flow to Wollongong or Goulburn simply to get on the property ladder.

The shocking warning comes as Treasurer Scott Morrison informed young couples to appearance more than 400km away — in Tamworth — if they need to buy a domestic.

Foreign property investment

“For young individuals who are thinking ‘am I able to purchase a residence in Sydney?’… There is an option if human beings want to take it in locations like Tamworth,” the Treasurer stated.

Business Chamber CEO Stephen Cartwright referred to as on the state Government to construct fast shipping to Wollongong, Goulburn and the valuable Coast to ease Sydney’s housing affordability crisis.

There’s no stop to the pain in sight for first-time consumers, with Sydney property prices continuing to surge in the course of the first months of 2017.

[universeinform-blog]

A tour of iOS 10.3: Checking out APFS, the Settings app, and other tweaks

New Post has been published on https://universeinform.com/2017/03/31/a-tour-of-ios-10-3-checking-out-apfs-the-settings-app-and-other-tweaks/

A tour of iOS 10.3: Checking out APFS, the Settings app, and other tweaks

Apple has just launched iOS 10.3 to most of the people, a replace that is in all likelihood to be the remaining fundamental release of iOS 10; at this factor within the year, paintings commonly begins in earnest on the next foremost release of iOS, so as to be discovered at WWDC in June.

The replace is to be had for the whole lot that runs iOS 10: the iPhone 5 and more recent, the fourth technology iPad and newer, the iPad Mini 2 and more recent, each iPad Pros, and the 6th-era iPod Contact.

The replace has been going thru the beta system for more than one months now, and since it’s possible to be iOS 10’s remaining important update, we’ll spend a few greater time with a few of the high-profile capabilities. I’ve also spent a tiny bit of time with the new APFS filesystem, which ain’t alternate tons for most people but does seem to unfasten up a small quantity of neighborhood garage area.

Lots of iOS 10.3’s most major tweaks are in the most thrilling part of any working machine: the Settings app!

  The most obvious of the modifications movements the iCloud settings screen from approximately midway down the list to its personal prominent role on the pinnacle of the stack. There isn’t a ton of stuff right here that doesn’t already exist in iOS 10.2.1, but for the reason that the primary factor the general public do with their iPhones and iPads is signing up to their iCloud bills, it makes feel to move these items front and center.

In particular beneficial is a large “Password & Safety” section right at the top of the new screen, which helps you to exchange your iCloud password and set up -element authentication. This changed into available before, it turned into just buried in a non-obvious area (go to the iCloud settings web page, then faucet your Apple Id, then tap Password & Safety).

What Does iOS 10 Bring for App Developers?

Announced at WWDC 2016, iOS 10 built-in a plethora of changes for the developers, the maximum sizeable revamp built-in the fact that 2013. The SDK for iOS 10 built-wings built-in new APIs and built-in that built-in integrated new utility types and features. So that it will integrate paintings on iOS 10, one might want to do the program built-in Quick 3 and additionally download Xcode eight for built-in the iOS applications. Allow’s focus on built-in integrated evolved associated features that have been added built-in iOS 10.

Improved Person notifications

iOS 10 marks the advent of the Consumer Notification framework (UserNotifications.Framework) and Person Notifications UI framework and give up to UILocalNotification. The Consumer Notification framework allows built-in and built-integrated far away as well as integrated nearby notifications. builders can use the built-in integrated of the framework for modifying far-flung and local notifications as they’re brought to the tool. The advent of the neighborhood and far-flung notifications can be custom designed with help of Consumer Notifications UI framework. With the assist of those two frameworks, Apple has no longer modified the general local notifications, however, has significantly improvised the functionalities.

The largest trade by way of the new notification Mach built integrated is that it built-wings built-in a built-in among message arrival and device display- a notification carrier company capable of cease-to-end encryption with app receivintegratedg the encrypted message from Apple, decryption built-in on the Consumer tool and built-in the notification built-integrated notification middle.

Stronger iMessage

A plethora of APIs has been delivered integrated built-in iOS 10 built-in improvements to Messages App. App extensions can built-have built integrated with Message app and customers can ship media documents, integrate detractive messages, stickers. The Sticky label percent integrated’s built-in a set of stickers to the message content. iMessage app no longer only allows customers search photographs but additionally provides a Consumer integrated terrace built-inbuilt integrated app.

From the development perspective, the custom built interface for the messages may be made with an assist of MSMessagesAppViewController. MSSession and MSMessage could assist with built integrated change of the message, with former have built-in help for expo built-ing messages. With a view to offering a custom Sticky label browser to the message application, MSStickerBrowserViewController can be used.

As witnessed, the brand new and Stepped forward Messages extensions are higher and greater effective.

Modifications integrated Animations

In iOS 10, higher manipulate over animations is set up. The capability to govern animate residences like the resume, forestall or positions are excellent-Gra integrated ed built-in iOS 10. UIViewPropertyAnimator is the important elegance which allows built-in built-indevelopbuiltintegrated and triggers built-in the animations.

Speech Recognition

A brand new API is delivered integrated built-inbuilt integrated supports built-sinuous velocity Reputation. This helps developers built-in new apps for built-integrated speech and transcribintegratedg it to text. most of the magic is done with help of APIs built-in Speech framework, ma built integrated with built-in-built integrated built-integrated SFSpeechRecognizer, SFSpeechURLRecognitionREquest, SFTranscription and so on.

Integration with Siri

Get built integrated with Siri for most apps like messages, call integrated, bills, pictures etc. IOS 10 now Allow users use their voice to carry out actions and built-in of is executed with help of Sirikit. The built-involved built-in integrated want to be registered with reaction built-vanished.

For non-graphical integrated tests, developers need to make use of Apple Maps while for graphical integrated texts also referred to as Intents UI extensions, developers can amplify the User integrated terrace for the integrated terrace design.

Advantages and Disadvantages of Bag Checking When Flying

A hotly-debated topic among air tourists frequently has sure advantages and drawbacks to each argument. For first-time travelers or individuals who simply want a refresher, there are sure regulations to gadgets you can encompass in your carry-on (matters you could take alongside you on the aircraft) and those you can “test-in” (matters that input the cargo preserve of your aircraft, below the ground of the cabin).

Reasons to carry Your Baggage into the Cabin

The airline is answerable for your Luggage, so they might not wander off. Possibly the worst trouble of vacationers is losing their bags. In case this happens, the service will compensate you in the least possible manner like turning in your bag in your inn or domestic hours or days after you have lost your bags.

When you attain your destination, you may zoom right across the airport into your automobile, taxi or trip for hire, while not having to look forward to your luggage to seem at the baggage carousel.

If ever your flight has been behind schedule or canceled, and also you neglected the connecting flight,

Your Bags are with you, which makes you more flexible. There may be a few other flight you could be rerouted to, or one flying to a nearby airport. Understand that when you test in your Baggage, they’ll remain at the scheduled flight (as a general rule), although the flight has been delayed for hours and you’re re-booked on another flight. The airline will simply send your bag on the unique flight, requiring you to live at your destination or move lower back to the airport while the flight arrives (any such sadness!).

One greater advantage is the truth that you may always hold a watch in your non-public belongings, as a result, disposing of the opportunity that your digicam did not characteristic after being entered into the cargo maintain by means of a man who formerly worked at a creation web page, lugging concrete bag, or maybe worse – it disappeared at the manner on your arrival airport.

How to Get Your Husband to Leave the Other Woman

 There is no doubt that no matter what the circumstances are, an affair is devastating. However, it’s far even worse while the husband cannot appear to rip himself away from the other girl or leave her by myself. Very regularly girls contact me and ask “how can I get my husband to depart his female friend,” or “how can I get him far from her whilst he can not appear to depart her on my own.” often, wives who want to lure their cheating husbands returned lodge to manipulative techniques meant to make their husbands feel responsible, ashamed, or jealous, However this often best reads as desperation and paints you in a greater bad light. Men do now not often have the ethical radar or experience of responsibility that girls have, so the processes which could be just right for you or I won’t work at all for your husband. In this text, I will tell you what I accept as true with is the satisfactory way to both get your husband to leave the other girls whilst keeping your self-appreciate.

Take into account that You Probable can not Reason Along with your dishonest Husband

Many girls request that I supply them pointers intended to “make my husband apprehend what the affair is doing to me,” or “make him see how tons the affair is hurting me.” What they do not apprehend is that Guys aren’t rational thinkers, in particular, whilst they’re in the midst of an affair. As tough as it’s miles to listen, it is most unlikely that your husband is going to pay attention what you’re announcing and reply with, “, you’re right. Allow me to stop this right now.” it’s not honest, But it’s far the manner it’s miles.

You are probable now not going so that you can alternate your husband’s concept technique right now.

And, you need to Remember that it is extraordinarily probably that he’s having the affair to replace some thing this is lacking inside himself. Word that I said himself. Please Keep in mind that the flaw is within him, no longer within you. Men cheat because they want to experience perfect, young, alive, in a position, and vibrant. And overwhelmingly, that is an emotional need rather than a physical one, in spite of the common perception.

[type2diabetestreatments-blog]

Sanofi Unwraps the iBGStar and Its Consumer/Apple Ambitions

New Post has been published on http://type2diabetestreatment.net/diabetes-mellitus/sanofi-unwraps-the-ibgstar-and-its-consumerapple-ambitions/

Sanofi Unwraps the iBGStar and Its Consumer/Apple Ambitions

It might be a tad overdramatic to say that this is the moment we've all been waiting for, but the news coming out of Sanofi-aventis today is definitely exciting. After five long months since its FDA approval in December, the company has finally announced that their new iBGStar, the FIRST and only meter to work in conjunction with the iPhone and iPod touch, has come to market and is available for purchase.

Say it with me: Finally!

Yesterday, Sanofi flew in a small group of bloggers and analysts to its headquarters in New Jersey to let us test the iBGStar, answer our questions about this new device, and share a bit about what motivated Sanofi — which up until now has been mostly famous for their diabetes drug, Lantus, not medical devices — to jump into this side of the diabetes business. The bloggers included familiar DOC faces like Kerri Sparling, Kim Vlasnik, Leighann Calentine, Riva Greenberg, and Emily Coles, plus analyst David Kliff of Diabetic Investor, and Kelly Close and Adam Brown from Close Concerns. Plus we had one outsider: Brian Dolan of Mobile Health News.

To be clear, this meeting was a product launch. Unlike the pharma social media Summits we've attended recently, this was not a pow-wow about how to work better with diabetes bloggers, and the focus of the meeting was not on what we think of the iBGStar — although I guess it was a given that this vocal group would share our opinions!

Shawna Gvazdauskas, Vice President, Head of Devices at Sanofi's U.S. Diabetes division, began by outlining the various avenues where Sanofi is building out its diabetes business. She was talking our talk when she said, "Our commitment as a company is to help people live better with innovative and integrated solutions." Shawna also explained that their products are designed "not only to help people manage their diabetes better, but to improve their overall experience."

Kelly Close, a type 1 PWD who has spent the last 10 years analyzing the diabetes industry, followed up by saying, "I think there are so many diabetes devices and drugs that are good for me, but they don't necessarily improve my experience." This is of course exactly what we set out to accomplish with our DiabetesMine Design Challenge, and this year's Patient Voices Contest, and it's great to see a company taking this message to heart!

Shawna also explained that Sanofi recognizes that PWDs are no longer just patients, but they are consumers, which she says is an important distinction.

"It's not just about getting a prescription and getting it filled in a passive manner," Shawna said. "(PWDs) now ask, 'Do I want to go on a pump or not? Do I want a pump with tubing or not? Do I want to go on injections? What would I prefer?"

People have power?! Amen to that!

The second part of Sanofi's presentation was a demo of the iBGStar by Lisa Aurand, an endocrinologist and Medical Director for the Diabetes division. Unfortunately, she did the demo from the front of the room using just her own iPhone, which was of course hard to see from a distance. It would have been better with a slide show of images, I thought...

That is, until they brought out iBGStar glucose meters for each attendee! Those who hadn't downloaded the iBGStar app quickly hit the iTunes Store and glucose readings started flying! Not much about the meter has changed since last fall, when Amy gave us a sneak peek of her iBGStar unit, so if you're curious about the nuts and bolts of the meter, you can check out her review.

The iBGStar kit

Personally, I think this little meter is a substantial improvement in the world of glucose meters. As a long-time Apple fangirl, I'm thrilled that my meter talks to my phone without having to manually plug in all my readings (oh how I loathe logging), and the interface of the iBGStar app is clean and easy-to-read. There will also be a black case available to hold both the iPhone and the meter, which will be available through Sanofi once you purchase your iBGStar.

Brian Dolan, editor of Mobile Health News, said the iPhone app was "beautifully designed" and he believed the relationship between Sanofi and Apple was "very encouraging" for the development of future health apps with other device companies.

Shawna stated that Apple is very interested in healthcare as a new area of innovation and development. Apple recently held a series of meetings called "Enterprise Health," which Shawna explained where wildly successful. She shared that 75% of healthcare professionals have an iDevice of some kind, so that bodes well for the development of even more apps and devices that will sync with our everyday consumer technology.

After our hands-on playtime, we had a chance to ask Sanofi some specific questions about the iBGStar and what was next on their plate.

As expected, everyone's #1 question was: how much is this thing gonna cost?

Kind of a lot for a glucose meter, actually. But hey, the full phone integration really is revolutionary!

Right now, the iBGStar is available for over-the-counter purchase at Walgreens, via DiabetesCareServices, and... at Apple retail stores! Yep, Apple will have iBGStars available for purchase at all of their retail outlets and on the Apple website. But there's a catch. Because Apple will not engage in insurance reimbursements (since they're not a pharmacy - right!), they are selling the iBGStar starter kit for $99.95, BUT they will not be selling individual boxes of the iBGStar test strips. In their starter kit, you'll get an iBG meter, the charger (the iBGStar needs to be regularly juiced up), a lancing device, and a vial of 50 test strips. This is to give folks the opportunity to use the meter before visiting a pharmacy, which is the only place you can buy iBGStar test strips.

On the other hand, Walgreens and DiabetesCareServices will retail the starter kit for just $75.95, because their starter kits only come with a vial of 10 test strips. You can then purchase additional strips directly from these providers.

Initially, Walgreens and DCS will be the main distributors of the iBGStar. If you belong to another pharmacy, you can also purchase the meter through McKesson, a warehouse distributor which most pharmacies work with. Later this year, the iBGStar will be available at a wider range of pharmacies.

Once you've got your meter, test strips will retail for $64.95 for 50 strips, which is on par with Lifescan, Roche and Abbott meters. Sanofi will have Patient Assistance Cards through their Star Savings program (though sadly our friends using Medicare or who live in MA aren't qualified - bummer!). The Star Savings program allows folks to get a monthly supply of iBGStar test strips for a $20 a month co-pay. That's a pretty sweet deal. The cards will be good until at least the end of 2013, and possibly beyond; Sanofi is still working with insurance companies to figure out coverage, so check with your insurance plan to see if the iBGStar strips are covered. However, cash consumers are still eligible to use the Star Saving program.

Although Sanofi didn't get into details about upcoming projects, a few things on the to-do list include improving the iBGStar lancing device (which is hardly discreet or innovative) and integrating Sanofi's GoMeal app (which has already been downloaded over 400,000 times!) with the iBGStar app.

If you're wondering how Sanofi will handle Apple's multiple tech upgrades — a great question posed by David Kliff of Diabetic Investor — the company says they're "staying in touch" to make any necessary upgrades if Apple's technology should change. Shawna explained that they're in constant contact with the FDA, and she's hopeful that the next round of approvals at the FDA will be much faster. Because there is now a predicate device, an upgraded version of the iBGStar will hopefully not require a 510(K) application and the same rigamarole of scrutiny that new devices face.

Out of all the info, stats and Sanofi history we were given, the one phrase that stood out to me the most was when Shawna said, "If we don't innovate, we don't belong in this space." This (!) is what I hope diabetes device and pharmaceutical companies are picking up on. Here at the 'Mine, we have spent five years shouting from the rooftops about how important innovative design is, and it is SO encouraging to hear it repeated back to us, without any prompting.

But it doesn't surprise us that Sanofi has placed such importance on innovation. When knew this well because they are, after all, our premiere sponsor of the 2012 DiabetesMine Innovation Summit and this year's new Patient Voices Contest. We're very excited to be awarding iBGStar meters to the 10 winners of the Patient Voices Contest!

If you're passionate about diabetes design innovation and the iBGStar "speaks to you," then head on over to the Patient Voices Contest page to find out how you can enter to win a new iBGStar, plus a scholarship to our Innovation Summit this November, where you can share your own thoughts face-to-face with execs from Sanofi and other leading diabetes companies.

The group at Sanofi, with Shawna Gvazdauskas and Laura Kolodjeski, Sr. Manager, Patient Solutions

Disclaimer: Content created by the Diabetes Mine team. For more details click here.

Disclaimer

This content is created for Diabetes Mine, a consumer health blog focused on the diabetes community. The content is not medically reviewed and doesn't adhere to Healthline's editorial guidelines. For more information about Healthline's partnership with Diabetes Mine, please click here.

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