#but im not in a science/medical field where i would need it to be qualified for a job

[flythesail]

Why is it always this time of year I think about getting a masters

[drferox]

Vet school fees - Melbourne

@onyxia99 said: Hey! I’m in Yr 12 this year, I’ve had my heart set on becoming a vet for a long time. Looking at the DVM at UniMelb, which costs 250k, while fee help only covers 150k, I’m wondering if you know how payment for it would work, if I dont get a gov. subsidised place? Would I have to cough up 100k+ after completing the bachelor of science? Haven’t been able to find much online and teachers haven’t been much help. Really worried about my chances of doing the course at that price. Cheers

I’d be worried about paying that back at that price too. It’s going to saddle you with $250k debt straight out of the gate, which is at least half the price of a house around Melbourne, when the average new graduate vet wage is around $45k per year and an experienced one is more like $70-80k. Paying off $250k would be extremely difficult without a cash gift from a wealthy benefactor. But because vet degrees are in such high demand by students, there will be someone desperate enough to pay this, whether or not it’s a good idea.

Certainly you wouldn’t be the only student who’s has to turn down a full-fee paying place and keep waiting for a Commonwealth Supported Place (CSP, the government supported ones), because the CSPs are much cheaper with the government footing a percentage of the bill, and you can then put the rest on Fee-HELP. (Fee-HELP is basically an inflation-only government loan only for higher education, which is paid out of your tax withheld. You just pay more tax until it’s paid off, for the Americans in the audience)

If you are in a full-fee position, you essentially need to make sure your semester fees are paid by the census date in each semester. That’s a day about three weeks in where everybody has to be committed to their subjects. So you’d need to be paying a chunk of that $250k every 6 months, which is a huge ask. There is little flexibility and the finance department at Unimelb can be very slow to do anything.

So you pay your semester’s fees per semester, and most people would have to take out a private loan to do that.

There’s a few details I can’t quite remember about Fee-HELP though. I’m pretty sure that $150k loan is the lifetime maximum for students in the medical fields, so if you’ve already put a science degree onto Fee-HELP you haven’t still got the total $150k you can use. And I’m not sure if full-fee students even qualify for Fee-HELP in the first place, so you may be completely on your own with that $250k.

$250k is a lot of money and will take a long time to repay. My loans were closer to $40k and it’s taken me about ten years to pay them all down, and that’s on a CSP. $250k could take your entire working career and if I had to make these decisions again, knowing what I know now, I don’t think I’d accept a full-fee place, but would rather wait the extra year and try again for a CPS.

Good luck with whatever way you decide to do.

[sungrcwn]

📱

( my muse’s five last sent texts yours )

( sent to ❝ gwen + robo ❞ — 3:37 PM ) im just going to go ahead and apologize in advance if thats ok

( sent to ❝ gwen + robo ❞ — 3:39 PM ) there might be an influx of students w/ poison ivy in ur office today

( sent to ❝ gwen + robo ❞ — 3:39 PM ) it was 100% an accident but there may have been a period of like four hours where the entire south wall of the school was kinda sorta covered in it

( sent to ❝ gwen + robo ❞ — 3:43 PM ) well okay i was trying to enhance a couple of the climbing vines this morning to make it look nice but i got distracted by this little family of ladybugs just hangin out in the grass by the bottom of the trellis

( sent to ❝ gwen + robo ❞ — 3:43 PM ) long story short i thought it was fragrant sumac but it definitely was not and i fixed it now but i cant guarantee anyone didnt touch it and did i mention i am very sorry because i am

( my muse’s five last unsent texts yours )

( drafted — 2:17 AM ) ok this might seem completely out of left field but i have a question and ive been thinking about it for like a solid half hour so i thought i would ask because youre one of the smartest people i know and most qualified probably to offer your thoughts 

( drafted — 2:25 AM ) alright so like… from a medical standpoint are people with different mutations like, different to heal? like if someone with the gift to shapeshift into animals was hurt while they were in their animal form, would you have to have to treat them in that form or does their genetic makeup somehow transfer the wounds when they shift back?

( drafted — 2:37 AM ) and what if it was like an injury that occurs in an organ that the animal has but that the persons natural human form doesnt? like what if theyd transformed into a woodpecker and maybe they try to peck at a tree thats just a little too hard and they hurt their beak how does a beak injury translate in the human anatomy if they shift back? or if they were a spider and something happened to their chelicerae? i dunno these are just random examples

( drafted — 2:51 AM ) but ok speaking of spiders okay what about if by some horrible tragedy while as a spider they happened to lose a leg? ive seen that in the garden before, spiders walking around with six or seven legs and i wonder how it happens but the point is that it does sometimes and so like what if they lose one of eight legs in spider form will they still have lost a whole limb in human form or only half because of like… fractions and science? or is it possible that they keep all their limbs and instead it manifests as phantom spider leg pains?  is that leg gone forever if they choose to shift into a spider again? what if it was a different kind of spider?

( drafted — 2:57 AM ) did your job require veterinary training?

( my muse’s last snapchat to yours )

( x ) w/ the caption  ❝ setting up giant game of twister for the students w/ callum and we need a ref !! ❞ followed by a separate text snap w/  ❝ please say yes we could always do it but now that were finished it looks awesome and we both kinda want to play ❞ 

( what my muse saved your number as )

❝ gwen + robo ❞ ( because yes, he has probably facetimed her JUST to see robocop before lbr ) 

( what contact photo my muse has set for yours )

( x )

( what ringtone my muse has set for yours )

idk why but for some reason i just imagine topher has, like… tons of different bird sounds saved to his phone?? like he’s just got a bunch of like ten second clips of various little bird songs he’s recorded around the property and he tries to collect different ones and uses them as ringtones for his friends and he actually thinks really hard about who gets which one and why?? gwen’s ringtone is the soft hoo of a spotted owl he heard in the woods one night bc owls represent wisdom and he thinks she’s probs one of the wisest ( at very least, smartest ) people he knows.

( how many times my muse has called your this week? )

probably not very often. he prefers having conversations face to face, and since they both work at the school, she’s never that far away. ( that doesn’t stop him from almost-sending her long-winded text messages in the middle of the night when he’s thinking too hard about the most ridiculous shit, though. but fortunately for gwen, topher is usually too high in those hours moments to realize when he’s not actually hitting the send button. )

( how many calls has my muse missed from yours? )

one. because after he sent her the lengthy text apology for the poison ivy incident, he realized it was a situation he probably should’ve explained in person, and he immediately started toward the nurse’s office when he saw her calling.

[elawoman123-blog]

Best IVF Specialist in Agra - Book Appointment Online at ElaWoman

Global Rainbow Hospital Contact Number

Rainbow IVF believes in an entire peaceful treatment for our barren couples. As a rule, among barren couples, ladies indicate larger amounts of misery than their male accomplices.

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A qualified therapeutic expert, Rainbow Ivf in Model Town, Delhi is one among the observed IVF Centers, having polished the medicinal specialization for a long time. This therapeutic professional's facility was built up a while back and from that point forward, it has drawn scores of patients from in and around the area as well as from the neighboring zones also. This medicinal expert is capable in recognizing, diagnosing and treating the different medical problems and issues identified with the restorative field.

Dr. Jaideep Malhotra

Beginning as an IUI (Intra Uterine Injection) facility in 1997 Malhotra unnaturally conceived child focus has developed by jumps and bound to be one of the chief associations for Assisted Reproduction in India. Presently in another start with a completely prepared State of Art Laboratory, Rainbow IVF has rapidly made a check for its own particular in India and abroad.

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Dr. Jaideep Malhotra, situated in Delhi is an obstetrician, gynecologist and a fruitlessness master who represents considerable authority in managed impregnation, pre and post conveyance mind, IUD position, IVF and ET (In-vitro preparation and Embryo Transfer), assessment and treatment for barrenness and maternal fetal prescriptions. Dr. Jaideep Malhotra is additionally a specialist in dealing with basic fruitlessness conditions, for example, IUI or intra uterine infusion, surrogacy and intra clyptoplasmic sperm infusion, and ovarian incitement. As per her own patients, she is a minding individual who offers a legitimate pregnancy control for every one of her patients who are dealt with for barrenness and are taking help of helped regenerative techniques to get pregnant.

Dr. Jaideep Malhotra finished her MBBS from AMU Institute of Ophthalmology in Aligarh in 1983. In the year 1986, she completed her MD in Obstetrics and Gynecology from a similar establishment. From 1986 to 2013, she filled in as a specialist in IVF unit in Malhotra Nursing Home. Presently, she is the head expert at IVF Unit at Global Rainbow Healthcare in Agra. Dr. Malhotra has various esteemed honors in her kitty, she has been perceived for her bewildering work of conveying initial 100 IVF children of Nepal and first unnaturally conceived child of Nepal and UP. Dr. Malhotra has additionally been granted with Indumati Zhaveri and Jgdeshwari Mishra Award. She is an individual from IMA or Indian Medical Association, MCI or Medical Council of India and FOGSI or Federation of Obstetric and Gynecological Societies of India. On the off chance that you need make a meeting with the specialist, you can simply drop in at Rainbow IVF close Model Town in Delhi.

Dr. Narendra Malhotra

DR NARENDRA MALHOTRA finished his MBBS and MD (Obstetrics and Gynecology) from AMU, Aligarh. He was propelled to push forward in this field on account of his enthusiasm for work and watch over patients. In 1987 he began doing laparoscopy at Malhotra Nursing and Maternity Home and in 1990 an IUI center was set up. The Malhotra Test Tube Baby Center appeared in 1997. Since the degree for encourage extension at the area was lim-ited consequently they assembled a radical new multi-spe-cialty set up and Rainbow Hospital began activity in 2013.

Dr Malhotra says there are a few normal legends related with fruitlessness in our general public. One of the commonest is that fruitlessness is the issue of the female, while this is totally false. In 35% of the cases it is related with the male accomplice. An-other basic conviction is that the postponement is getting pregnant is just a short time and one must continue attempting. He says that it must be comprehended that fruitlessness is a therapeutic issue and should be dealt with all things considered. Time, as per him, is of most extreme im-portance similarly as with cutting edge age the quality and number of eggs delivered declines thus does the achievement rate.

The issue of 'unexplained fruitlessness' is additionally impor-tant to be comprehended in light of the fact that it is a confused issue. Unexplained fruitlessness is idiopathic as in its motivation stays obscure even after a barrenness work-up, as a rule incorporating semen analy-sister in the man and appraisal of ovulation and fal-lopian tubes in the lady. He says it is extremely difficult to disclose this to patients and that is the reason guide ing is of most extreme significance. His inside has a dedi-cated advisor who deals with such cases and keeps the resolve of such patients positive.

Dr. Neharika Malhotra Bora

Dr. Neharika Malhotra Bora is an Infertility Specialist and Obstetrician in Sikandra, Agra and has an ordeal of 7 years in these fields. Dr. Neharika Malhotra Bora hones at Global Rainbow Hospitals in Sikandra, Agra. She finished MBBS from BHARATI VIDYAPEETH'S DENTAL COLLEGE &HOSPITAL PUNE in 2007 and MD - Obstetrics and Gynecology from Datta Meghe Institute of Medical Sciences (DU) in 2011.

Dr. Neharika Malhotra Bora is a confided in Gynecologist in Sikandra, Agra. Specialist has more than 11 long stretches of involvement as a Gynecologist. Specialist contemplated and finished MBBS, MD - Obstetrics and Gynecology . You can meet Dr. Neharika Malhotra Bora by and by at Global Rainbow Healthcare in Sikandra, Agra.

She is an individual from Medical Council of India (MCI),Associate Member of Royal College of Obstetricians and Gynaecologist,Federation of Obstetric and Gynecological Societies of India (FOGSI),Member of Indian Federation of Ultrasound in Medicine and Biology,Member of Society of Fetal Medicine,Member of Indian Association of helped Reproduction and Indian Medical Association (IMA). A portion of the administrations given by the specialist are: Infertility Evaluation/Treatment,In-Vitro Fertilization (IVF),Female Sexual Problems,Natural Cycle IVF and Artificial Insemination and so forth.

Dr. Diksha Goswami Sharma

Dr. Diksha Goswami is an Infertility Specialist and Obstetrician in Sikandra, Agra and has an affair of 11 years in these fields. Dr. Diksha Goswami hones at Global Rainbow Hospitals in Sikandra, Agra. She finished MBBS from Chaudhary Charan Singh University ,Meerut in 2003,MD - Obstetrics and Gynecology from King Georges Medical College, Lucknow University in 2007 and MRCOG from Royal College of Obstetricians and Gynecologists, London in 2010.

She is an individual from Medical Council of India (MCI),Royal College of Obstetricians and Gynecologists, London (RCOG),Federation of Obstetric and Gynecological Societies of India (FOGSI) and Indian Society of Assisted Reproduction. A portion of the administrations given by the specialist are: Female Sexual Problems,Infertility Evaluation/Treatment,Intra-Uterine Insemination (IUI),Artificial Insemination and In-Vitro Fertilization (IVF) and so on.

Dr. Shally Gupta

Dr. Shally Gupta is an Infertility Specialist and Gynecologist in Sikandra, Agra and has an affair of 13 years in these fields. Dr. Shally Gupta hones at Global Rainbow Hospitals in Sikandra, Agra. She finished MBBS from Lady Hardinge Medical College, New Delhi in 2005,DGO from G B Pant Hospital/Moulana Azad Medical College, New Delhi in 2006 and DNB from Moolchand Hospital in 2008.

She is an individual from Medical Council of India (MCI) and Member of Federation of Obstetrician and Gynecology Society of India. A portion of the administrations given by the specialist are: Intra-Uterine Insemination (IUI),Pre and Post Delivery Care,Infertility Evaluation/Treatment,Post pregnancy Classes and Sperm Donor Program and so on.

Specialist has helped various patients in his/her 13 long stretches of involvement as a Gynecologist. Specialist contemplated and finished MBBS, DGO, DNB .

For more information, Call Us :  +91 – 7899912611

Visit Website  : www.elawoman.com  

Contact Form : https://www.elawoman.com/contact

                                                                           Ela Facebook       Ela Twitter         Ela Instagram        Ela Linkedin        Ela  Youtube

[sparklyeaglepoetry-blog]

2002 Toyota Corolla vs 2000 Honda Civic?

"2002 Toyota Corolla vs 2000 Honda Civic?

which one should I get and why? I am planning on getting one of these cars next year when I turn 18 to use just as a daily driver to get me home to school and work and every now and then when I go out with freinds. I am also planning on getting it in white and just put some nice rims on it and maybe some nice speakers. btw I live in New York City and since insurance will be high for me I am planning on putting it under my fathers name and also this will be my first car ever thats why I dont know which to pick I also just want the one that has better gas milage.

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

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I'm 16 and i just got my car and license. I have a 2000 Grand am gt Where can i find cheap car insurance?

Speeding ticket in california?

i got my first speeding ticket i was going 55 on a 45 how much would that cost me? and also it wasnt my car it was my parents car but i dont live with them so will there insurance go up???

Just got in a car accident...I'm 16 we have USAA. How much will my insurance go up?

I was being stupid and driving too fast on a wet day. I spun out and hit a wall (thank god I'm okay) and damaged the back right on my car pretty bad. I know our deductible is either $500 or $1000 but my question is about my much will my insurance go up? I know its not going to be pretty since I've only had my lisense for 10 months...

Should i get 20 year term or a 30 year term life insurance?

My husband and I currently have a 20 year term life insurance policy. We are switching companies because we were paying too much at State Farm. I'm 30 and he is 33 and we are both in very good health. We have a 9 month old baby boy and our policies are for $500,000 each. The rate I'm getting is $45 for both of us for the 20 year term and $70 for both of us for the 30 year term. Which one should I go with?""

How much would the insurance cost for corsa 1.2 limited edition for 17yr old new driver?

How much would the insurance cost for corsa 1.2 limited edition for 17yr old new driver?

Who are the best insurance companies for young drivers?

Who are the best insurance companies (in terms of low prices) for young drivers?

Is it possible to find a health insurance plan with no deductible requirement?

I found the perfect plan for $33 a month, but it has a $10,000 deductible. WTF? Unless I become pregnant and have a kid, or need surgery or whatever, I find it impossible to make a $10,000 bill within a year. That's too much. I've always been healthy and rarely need to visit doctors. Then I was looking at other policies and they were more expensive, but they all had deductibles. One was like $160 a month with a deductible of $5,000. And anyways, I'm a college student and financially independent which means that I am no daddy's girl -I have to work to support myself and pay some school expenses. I don't want to depend on my parents financially in any way (they are willing to, but I just feel like at 21, I shouldn't be their responsibility anymore) so I always worry something would happen to me and they would have to pay hospital bills for me. I can't afford paying a very high deductible or a high monthly quote. Any hope for me? ..or should I move to Canada?""

How does car insurance work? my mom recently wrecked our car-it cost 2000. we have 25000/500 deductible.?

what do we pay?

Car insurances when ur under 18?

i dont get insuraces... if the car is insured (my parent car) can i drive it? or when do i need to be insured? i live in california and i have a permit right now

Is insurance high for a base acura rsx or just the s-type model?

I'm a 21 year old male with one speeding ticket. I like the design on the rsx, but I've heard insurance is ridiculous on them. Is this true for the both models, or is the insurance rate for the base model significantly less than the type-s model? Thanks for any help!""

Should I be able to get disability?

Here is my story, I was working and slipped and fell on my side (I did file a accident report). At first I felt fine just a numbness in my side and thinking it would go away, but as the months went by the numbness went away to only be replaced by a pain. I took pain medications to ease it and it helped relieve the pain but now it hardly does anything, if anything at all. I am like 6'4 and before the accident I weighed around 230, now I am climbing to 320??? Oh, I am 25. Oh, and I have been fighting my insurance for 5 years. I cannot exercise to lose weight because the pain in my side prevents me to do daily activities for long or if any at all. I have grown severely depressed as in that I have gained all this weight and feel disgusted with the way I look like and try to avoid any human contact or be seen because I feel disgusting with the way I look. I hope I have said all I needed to do. I just feel I cannot function as a normal person in society anymore. And times if there is no hope for me, I feel as if maybe the best solution for me is to commit suicide because I just feel so much like a freak to the world now.""

What is the cheapest insurance group in the uk? how do they class it?

What is the cheapest insurance group in the uk? how do they class it?

Can I drive my friends car without insurance?

I don't own a car. I don't have auto insurance. If I borrow a friends car, am I covered under his insurance? is there a special type of insurance for people like me?""

2002 Toyota Corolla vs 2000 Honda Civic?

which one should I get and why? I am planning on getting one of these cars next year when I turn 18 to use just as a daily driver to get me home to school and work and every now and then when I go out with freinds. I am also planning on getting it in white and just put some nice rims on it and maybe some nice speakers. btw I live in New York City and since insurance will be high for me I am planning on putting it under my fathers name and also this will be my first car ever thats why I dont know which to pick I also just want the one that has better gas milage.

Car Insurance - No claims question?

If you have been banned for a year, and are now back and allowed legally to drive, can you continue to use/put down your no claims bonus. For example, if you had 9 years, then were banned for a year, can you put the 9 down this year? Or does the ban wipe that out? As the ban wasn't a claim on the insurance, can it still be used? Does anyone know, or any ideas where I could check this out? Looking for quotes online and Im not sure which number to put in.""

Any estimations on how much my car insurance will be? Uk.?

Im 17 in november, in gonna start to drive but i was wondering if anyone iceby ideas on how much my car insurance would be based on what i tell you. I live in the uk. I cant go on my parents insurance because they dont drive. In gonna get a 1.4 or 1.6 engine car. An thats all i can tell you, can anyone please have a rough estimation on prices?""

A better way acquire an affordable health insurance to cover my family?

if I work for, say Pizza Hut as a part-time while I earn $65K/yr full-time job? I dont want to spend too much monthly payments on health insurance?""

Will my motorcycle insurance really be 145 dollars a month?

i did a quote online at progressive just to get an idea of how much the insurance would be for a 2005 yzf r6. i am 18 years old had my motorcycles license for 2 years and have been riding smaller bikes for 2 years now the r6 i am looking at costs 6000 with very low miles and an aftermarket exhaust from a dealer and i will be making a 2200 trade in which will go towards the bike but the rest will have to be financed. i heard the online quote is wrong because i didn't use my social security number and is different from the real quote i should get. also the loan will most likely be under my parents name and if u know of what type of coverage i will need since it is financed ive been doing alot of studying but thought id ask on here. i live in wisconsin which isn't a very populated area which should also make a difference if u know anything or need to know anymore just ask thanks alot

WA Instruction Permit & Car Insurance?

I have recently been issued a Washington State Instruction Permit and was wondering if I need to be included to my mom's insurance before I can use her car to practice my driving? (I am of legal age already) Just want to know about the insurance thing. Thank you so much!

Whats the cheapest health insurance for adults ?

im 19 yrs.old have never had health insurance me an my husband need health insurance bad whats a good insurance company thats cheap ? he has juvenile diabetes an smokes i on the other hand do not !

What is a good reputable Insurance Company for Health Insurance?

I need health Insurance and I want to get quotes.

Can i swap my car insurance when i still have a claim going through?

i need to change my insurance because of outgoings, but i have aclaim for compensation still going on because a man hit the back of my car. Can i still cancel my insurance and go with a better quote.""

How much does it typically cost for insurance on a 150 CC scooter?

How much does it typically cost for insurance on a 150 CC scooter?

I am 23 years old. Questions about affordable health insurance in the state of NJ.?

Hello. Like I already mentioned, I am 23 years old and am still living at home with my parents who have been out of work for over 3 years. I have a part time job at the moment, and am wondering what my options are for affordable health insurance in the state of nj. My parents are currently on Medicaid, but since i am over the age of 21 and have no kids of my own I don't qualify. What are some of my options? I currently have no health insurance.""

What is the cheapest uk motorcycle insurance company?

... am 19 in 1 hour xD and i wanna start riding legally i got the other parts done i just need cheap insurance recommendations, tell me please uk only""

Need advice concerning a comprehensive insurance plan...?

I will be getting married in December. Both my fiance' and I are still on our parents' plans (as we are below the age of 24 and have not been forced off yet). This includes car and health insurance. I am lost when it comes to how much I should pay, what kind of coverage I should aim for, etc. We will both need car and health insurance as of 12/20/09. We are looking for an all-around DECENT plan that will fit in a limited budget. Any advice/tips on what we should be doing or looking for would help a lot! Thanks!""

Hi all.......car insurance!!!.?

hi all.......car insurance!!!. is it legal and possible for a person who lives in england to look anywhere in the world for car insurance. so to put it clearly can i insure my car from any insurance company anywhere in the world - could make payments cheaper cheers

Car insurance discounts?

i am quoting car insurance and it seems to be outrageous ive heard of a few discounts are there any other im not thinking of ..military ..student ..good driver ..multi cars any others?

How much of an auto insurance discount does a family get for having more than one car?

How much of an auto insurance discount does a family get for having more than one car?

Where can I find cheaper car insurance quotes?

I'm 17 in a few months, have a car, and have been checking insurance quotes. From my previous experience of quotes from Churchill, Quinn-Direct, Directline etc. it doesn't cost much, if at all, to insure on my provisional license with hopes of changing the policy to insure me on a full license in the future. I have got a 1997, 3 door, 5 seater, diesel peugeot 106 with a 1.6 litre engine and the best insurance quote I have recieved so far was from Quinn, but they have recently stopped insuring in the UK so I won't be able to use it when I am 17...They gave me a quote of around 800 whereas everyone else are offering me 1,500. Does anyone know of any other companies who can give me cheaper comprehensive cover? Thanks for any answers""

Which is better hmo or ppo insurance?

Which is better hmo or ppo insurance?

What is the approximate cost of minimum coverage auto insurance in Ohio if you are young and drive a small car?

I know this depends on a lot of factors, but from the information given, just GUESS. How much? How much for someone that is about 22 years old, been driving since 17, never had an accident, never gotten a ticket.""

Is there any way of avoiding finance charges on monthly motor insurance ?

Like everyone, I'm strapped for cash and the other half's credit cards are maxxed out. In fact I'm so considered so bad for credit now even a loan shark wouldn't touch me with a bargepole despite having a job and being a discharged bankrupt - however my car insurance is due. Is there any way around the extra charges ? My renewal quote was 258 if payed in one lump, yet searching for monthly payments my cheapest payback is 366 over 12 months. Not that I'd ever accuse the banks of ripping us off. Any idea's ??""

Is life insurance premium deductible?

I got a life insurance on my own. I would like to know if the premium I'm paying is deductible? If you don't know if there a way to find out if it is.

I want to name my new insurance company?

i want to name my new insurance company

Car insurance // Policy holder..?

I am the policy holder to my new car. We all know insurance can be a bit of a nightmare, therefore I was put down as a named driver on the insurance which is in a family members name.. Can I be the policy holder, but secondary on the insurance (.. My car + Cheaper option for car insurance = wrong/illegal thing to do? )""

Insurance company policy?

I was hit in a wreck. They're insurance company quoted me $400 and wrote me a check for it which I did not accept. All they did was look at the external damages. Then I took it to a dealer collision center and they quoted me $1100 and they guessed more damage was done but couldn't say unless they took apart my bumper. I'm not wanting to get it fixed in a shop since my father can fix it for me, but $400 is not going to cover the cost of fixing it. so my question is... Does their insurance company have to give me the money quoted by other body shops or is my only option having it fixed in a shop?""

Which car would be cheaper for me to insure?

Would it be cheap for me to insure myself on my mum's insurance (her being the main driver) on a renault megane 1.5 or to buy my own car and insure it (Vauxhall corsa 1.2)? Thanks

If i get a cheap car will my insurance be cheaper or more expensive?

i have a car that i can have given to me it is about 5 years old but cant aford the first years car insurance out right if i sell it and gt a cheaper car will the insurance be cheaper or more expensive because it is an older car? i say this because if so i can sell the car i have and use the money left over to pay for the first ears car insurance. p.s i am a teenage driver which is why im trying to save as much money as i can!

2002 Toyota Corolla vs 2000 Honda Civic?

which one should I get and why? I am planning on getting one of these cars next year when I turn 18 to use just as a daily driver to get me home to school and work and every now and then when I go out with freinds. I am also planning on getting it in white and just put some nice rims on it and maybe some nice speakers. btw I live in New York City and since insurance will be high for me I am planning on putting it under my fathers name and also this will be my first car ever thats why I dont know which to pick I also just want the one that has better gas milage.

Can insurance drop you before a termination? ?

I was terminated from my employment on 10/1/2011. I had surgery on 9/12/2011 and the medical insurance company claims that my coverage was dropped on 9/11/2011. I am in Pennsylvania and my insurance was through my work. Is this legal? I was on company approved time off when the surgery occurred, so I was still legally employed and paying my premiums.""

Estimated Insurance Costs for Pest Control Business?

Hello, I have been considering starting a Pest Control business. I'd mainly like to focus on the removal of animals, however from a business stand point it would be much wiser to handle pest insects as well. Our state breaks down the minimum insurance you need which I will list below. I was hoping someone could give me just some reasonable estimes of what these types of insurances would cost based on the information I provide? If needed, I live in Rhode Island and based on looking at similar local businessed and their NAICS codes, the industry would be #325320. RULE 21. FINANCIAL RESPONSIBILITY (A) Each applicant for commercial applicator licensing shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $20,000 per job, or (2) The following minimum insurance coverage: Comprehensive General Liability (ground application): Bodily Injury Liability - $20,000 each occurrence - $40,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $25,000 (B) Each applicant for commercial applicator certification shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $50,000 per job, or (2) The following minimum insurance coverage: Comprehensive General Liability (ground application): Bodily Injury Liability - $50,000 each occurrence - $100,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $50,000 (C) Each applicant for commercial applicator certification in Category 7(c) Fumigation shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $100,000 or (2) The following minimum insurance coverage: Comprehensive General Liability: Bodily Injury Liability - $100,000 each occurrence - $300,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $100,000 (D) Each applicant for commercial applicator licensing or certification, who applies pesticides aerially, shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $100,000, or (2) The following minimum insurance coverage: General Liability: Bodily Injury Liability - $100,000 each occurrence - $200,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $100,000 (E) Financial responsibility required by paragraphs (A)  (D), where appropriate, shall not be required of persons whose pesticide application activities are part of their duties as governmental employees.""

""What is the cheapest car to insure, and what makes insurance go up and down?""

Well, i'm 17 and i want a car. I've been going on all the price comparison websites and lately prices have been going up, alot. Not too long ago you could get a 1.6 Focus, 02 reg - for around 2.5k. Now it seems that a 1L corsa is in excess of 4,000? I've just been looking now, and i can get a 1.4L Nova Saloon '92 reg, for less that the price of a 1L Corsa, '99 reg. What's going on here, both cars are completely standard. Also, what makes insurance go up and down? And please, don't just post about group 1 insurance vehicles, because i cant afford a new/nearly new car.""

Gap Cover Insurance-Australia?

I have my car on finance on a 3yr contract. I was told that I'm paying for 5yrs of gap cover but only using 3 and at the end of my term I should get a sum back. How much does Gap cover cost? I want to work out how much i'll get back.

Finding cheap classic car insurance?

I have a 1979 chevy malibu and i want to be able to have it and my winter car on the road. I want to find like a cheap classic car insurance for it so i can pay for both insurances. a friend of mine was telling me you can get it really cheap ccause its a clasic. Anyone know of any?

Do I have to tell insurance about my ticket?

I got a speeding ticket about a year ago. My question is I'm trying to get an insurance quote, do I have to tell them about my ticket even though I went to traffic school and did not effect my current insurance rates? Thanks!""

Should i go on my mothers car insurance ?

Ok so i have been looking around for car insurance because im about to get a car.... but the lowest rates i found were Progessive which was 7000 for 6 months and State Farm which was nearly 5000 ..... so if i go on my mothers insurance will it be lower ? by how much ? or will it be the same ?

Whats the average cost for teenage car insurance?

im going to get my permit soon and i would like to know what the average teen car insurance cost is.

How much will my car insurance be im 17?

im going to be on with my parents insurance they have state farm and im getting a 2000 mustang v6 how much will insurance be i also live in florida

""Would you rather have a law against gay marriage, or affordable HEALTH INSURANCE that can't be canceled?""

Admittedly a false choice, but still...electing a GOP/Teabag/Fox 'News'/Jesus freak government would enhance the chances of a law against gay marriage and diminish the chances of some form of Medicare for all. Feel free to substitute 'Christian right for 'Jesus freak...consider it a figure of speech or an expression of art.""

Insurance Industry?

I'm trying to find out more about insurance industry...i have to make a huge project out of it for Economics...I'm specializing in IT so i don't know much about Economics...do you guys know any sites where i can find out more about Insurance Industry...or like anything you can share about it. Thank you.

What are some cheap car insurance companies in Ontario?

I'm looking around trying to find out different quotes so my boyfriend can get insurance on his car! Looking for a cheap insurance company!! Any suggestions?

How much my insurance will go up?

I had an accident which totaled my car. I am 100% at fault for that accident and my car worth 15000$. I have clear driving record and no tickets in past two years. How much will my insurance go up I am paying 900$ for six months

What does full coverage auto insurance include?

is collision and comprehensive required for full coverage? what about underinsured motorist insurance? i need to know everything full coverage includes because im buying my first car.

Exchange insurance/registration info...?

It's about my friend hitting a parked car again. The other party got his insurance+registration, should my friend get their's even though no one was in the car? thanks""

What type of insurance is auto insurance?

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

How much would car insurance cost for a 20 yr old male?

Im a 20 yr old guy and I want to get a car but insurance costs scare me. how much is normal for a person like me to pay?

Life Insurance for my family?

I'm trying to figure out if it will be worth to get life insurance for my family? Now, when I say family I mean my parents and siblings. I'm only concern with getting something that's affordable like term insurance I didn't hear to many good things about whole insurance.""

How much life insurance do I need?

We have recently applied for 2 million in life insurance and I am wondering if this is a good amount for us. It is a 30 year term and is only in case of death of husband. Thanks for the help. Facts: Husband 31, Wife 26 Wife- not working, will be starting nursing school next year but has a bachelors degree if needed to use. Husband- Income ($100,000) We plan on having two kids in the next 5 years. Debt- two cars ($70,000) Student loans ($20,000) to be paid off next year. Savings ($100,000)""

Best insurance for Male 18-24?

What is the best type of insurance for a male 18-24. There is a basic prepaid one for $1200 (upfront) but my rates double if I get a speeding ticket etc.. Then there is the traditional one from my bank but that's $300 a month and I can't do that. What type should I be looking for? Also, is it worth it to get the cheap insurance if my rates could potentially double? Could I fight them doubling my rates. I don't plan on speeding but wow. 04-06 Hyundai Elantra GLS/GT.""

Can i add someone to my car insurance policy?

I want to add someone to my insurance policy. He recently had a fender bender in my truck.

Are you glad you have individual Health Plan?

I work freelance and I am looking into getting a health care plan. I haven't had medical insurance since elementary school but now that I'm approaching mid 20s, I wanted to prepare for the emergency, the 'just-in-case' situation. My problem is that I have a very negative impression on the insurance business and health care itself. I've gone to health clinic from a floating rib and I paid $300 to be told that I need to get tylenol LOL My relatives and friend went through some misdiagnose, multiple exams and charges. Some friends go through such a bull5hit time - one friend was charged $500 to borrow a blanket in the waiting room at a health care clinic and all she had to do was make a call and complain to cancel the full amount. We were baffled So.. they get paid $500 for lending a blanket? They take the $500 away if we complain? It's like complaining at a restaurant LOL!!! I maybe ignorant, but it makes me so upset to see people without insurance having such a hard time affording health care. Health care and insurance makes me feel like I'm giving into a manipulative scam - like buying a $120 clothing that only costs $5 to make. But incase I break my face crashing on my bicycle, I guess I need one. $500 for a blanket? I wonder how much X ray actually costs to buy, operate, and maintain. I'm sick to my stomach thinking about it. Anyhow, I know I'm ignorant, please enlighten me. Any positive experience on having affordable individual plan would be great. Thanks in advance.""

Is honesty really the best policy when insuring a car?

Is honesty really the best policy when insuring a car?

..new driver in CA? insurance?

does the DMV automatically alert your insurance company that theres a new driver? or do you have to yourself? and if i havent yet, what happens if i get pulled over? should i not be driving?""

What companies offer mobile home insurance?

i live in ny. all the ones i've found don't do ny or won't insure us because of the age. it was made in 1979. the only one i could find was geico but they want an insane amount of documentation that i just can provide. like if the roof has been replaced and stuff. i know insurance on such an old home is pointless but i have to have it in the park where i live and moving it isn't an option.

2002 Toyota Corolla vs 2000 Honda Civic?

which one should I get and why? I am planning on getting one of these cars next year when I turn 18 to use just as a daily driver to get me home to school and work and every now and then when I go out with freinds. I am also planning on getting it in white and just put some nice rims on it and maybe some nice speakers. btw I live in New York City and since insurance will be high for me I am planning on putting it under my fathers name and also this will be my first car ever thats why I dont know which to pick I also just want the one that has better gas milage.

https://www.linkedin.com/pulse/how-affordable-healthcare-act-affect-unemployed-walter-dunn/"

[viralhottopics]

Trump’s Hiring Freeze Could Imperil Breakthrough Discovery On Bees

Julia Fine was all set for the next chapter.Shed packed her bags and moved out of her apartment, and was days away from making the drive from Pennsylvania to Utah, where she planned to start work as a postdoctoral scholar with the Agricultural Research Service, the U.S. Department of Agricultures research agency.

I had made all the plans, said Fine, a bee researcher who recently completed her doctorate in entomology at Pennsylvania State University. I was supposed to start as soon as possible.

But on Jan. 23, just three days after President Donald Trumps inauguration, the 28-year-old researcher got a perturbing phone call. The president had ordered a sweeping employment freeze for the federal government. Her position at the research service and the funding that was going to allow her to continue her research into why honeybees are dying at abnormally high rates could be in jeopardy.

I was told that my position was frozen for an indefinite amount of time, Fine said.

A USDA spokesperson told The Huffington Post the agency could not comment on how the freeze might affect individual researchers. When pressed on how the order had affected employees at the USDA, the spokesperson sent this memorandumabout the directive, which outlined guidelines and possible exemptions. As of Sunday, Fine said she remained confused as to whether she could qualify for any of the exemptions.

Much is still unknown about the hiring freeze and how it will affect federal agencies. It has causedwidespreadconfusion among federal employers and employees alike. Fine is just one of many scientists, engineers, nurses and others whose jobs, promised before Trump took office, are now in question. And her story is only one example of how the freeze could affect not just these individuals, but our developing understanding of the world.

Fine was the lead author of a studypublished in the journal Nature last month that detailed how a common pesticide additive, organosilicone surfactants, could be killing honeybees.

Organosilicone surfactants are inert chemicals, meaning theyre used in agriculture and elsewhere to enhance the efficacy of active ingredients, Fine explained. Youve probably heard a lot about the effects of active ingredients[in pesticides] on bees and other organisms, but most people are not aware that they are only a relatively small fraction of the chemicals being used in the environment, she said. We started looking at the effects of inerts on honeybees because there is a growing body of research showing that not only do they enhance the toxic effects of other chemicals on non-target organisms, they sometimes exert their own.

For their study, Fine and her colleagues fed organosilicone surfactants to honeybee larvae while simultaneously exposing them to viruses found in nearly all hives. They found that when the larvae were exposed to both the chemical and the viruses together, they died at a higher rate than the bees exposed to either the viruses or the chemical alone.

Exactly what is causing mass die-offs not just of honeybees, but of other native bee species as well, such as the endangered rusty-patched bumblebee is a question vexing scientists and beekeepers alike. Between 2015 and 2016, the U.S. lost 44 percent of its honeybee colonies. Researchers have pointed to viruses, parasites and pesticide use as possible culprits, but a definitive answer has eluded them.

Fine said her research could be extremely consequential for both bee health and agriculture, since farmers rely on bees as pollinators.

We are very close to being able to make sound recommendations to growers that will prevent the effects we observed in the laboratory from occurring in the field, she said. This research could help increase food security.

So many crops that we depend upon require insect pollination, she went on. This is not basic research its very applied research. Itll have impacts on the economy and on our access to food.

But Fine still has to conduct more research before she can make recommendations, which she was planning to do through the USDA postdoc.

Specifically, she said the precise amount of organosilicone surfactants in the environment still has be measured to understand just how much of it honeybees are being exposed to.

We also need to examine their effects in other species, including other pollinators, Fine said. We know that native pollinators can also be affected by honeybee viruses, and are also likely to be exposed to organosilicone surfactants.Because of the declines in native species like the rusty-patched bumblebee, we need to consider that these chemicals may also affect them.

With no other plans and her travel already set up, Fine decided to make the drive to Utah anyway, despite not knowing what would happen when she got there. She arrived last week and has been looking into other possible sources of funding for her research, while hoping that Trump lifts the hiring freeze.

Im still in limbo, she told HuffPost, speaking on the phone from a friends home in Utah, where shes living for now. Most of her belongings are still in storage, and her research is on indefinite hold.

Kevin Lamarque/Reuters

President Donald Trump signs an executive order that places a hiring freeze on non-military federal workers, Jan. 23, 2017.

A War On Scientists

Trumps first two weeks in office have been tough for the countrys scientists.

Like the federal hiring freeze, Trumps executive order restricting travel from Iran, Iraq, Libya, Somalia, Sudan, Syria and Yemen for 90 days has affected thousands of scientists.

A number of researchers have told HuffPost they are considering leaving the United States because of the uncertainty about their visas. Over the weekend, two associate professors at the University of Massachusetts Dartmouth were detained at Bostons Logan International Airport. A Yale professor of electrical engineering and computer science wasseparated from his wife and newborn, who had gone to Iran to visit relatives. An Iranian assistant professor of religion at Middlebury College said he was unsure if he would be able to return to the U.S. after leaving the country to conduct research.

Several prominent universities and colleges have expressed concernsabout the travel restrictions, and theAssociation of American Medical Colleges warnedthat the restrictions are compromising its ability to attract top talent from around the world.

Scientists are also nervous about the Trump administrations reported attempts to censor several federal agencies, including the Environmental Protection Agencyand the USDA.

I fear were going to see a war on scientists inside the government, Norman Ornstein, a scholar at the American Enterprise Institute, said last week at an American Association for the Advancement of Science meeting.

Hannah Mckay/Reuters

A man wearing a Trump mask protests during a demonstration against climate change outside the U.S. Embassy in London, Nov. 18, 2016.

The First Anti-Science President

Following Trumps win in November, the Science Advisory Board, an international community of scientific and medical experts, conducted a survey of more than 3,200 scientists worldwide to gauge their reactions.

More than70 percent of the scientistspredicted the results of the election would have a negative impact on research and science in the U.S. More than 70 percent also agreed with the statement that Trump would be the first anti-science president we have ever had.

Trump is a vocal climate change denier, and many of his Cabinet choices have been lambasted asanti-science. Scott Pruitt, Trumps nominee to head the EPA, has sued the agency 13 times and has expressed skepticism over global warming. Former Texas Gov. Rick Perry, Trumps choice to lead the Energy Department, is also a climate change denier who supportedteachingbothevolution and creationist theoryin Texas schools.

Jeff Ruch, executive director of the group Public Employees for Environmental Responsibility, told The Hill last week that scientists are bracing for more clashes with the federal government going forward.

We asked some environmental employees and one said, Were in the clown car to crazy town, Ruch said.We view this as sort of the opening act of whats going to be a long and bloody drama.

______

Dominique Mosbergen is a reporter at The Huffington Post covering climate change, extreme weather, conservation and extinction. Send tips or feedback to dominique.mosbergen@huffingtonpost.com or follow her on Twitter.

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