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kitsuhe · 7 years ago

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i wanna rant about my shitty grandparents (mostly grandfather for now) and how my parents didnt deserve any of this.

a side story of how my parents met: my mom was from China and worked in a cafe (with lodging) for years. she wanted to leave china because the marriage laws werent very good to women, they didnt have a lot of rights, and people can just get married and divorced on a whim, and so a marriage there would make her feel very insecure.

she saw loads of men with fancy motorcycles they probably borrowed flirting with the waitresses and getting them pregnant even though some of those men were married already. she saw loads of waitresses in and out of the job, and so she willed to never give in to the flirtations and worked at the cafe till she was around 26.

my father’s boss was in that area once in a while and frequented that cafe. he noticed my mom who always remained there and was like hey she seemed to be a nice woman and so he introduced her to his son, aka my fathers colleague.

according to my mom, the son was a wishy-washy man who couldnt make up his mind. they went for a few dates and things werent really clicking. my father, however, said ‘i want her’ when he saw her and so the choice was made, they started dating, and she went back to china for the time being. they then maintained a long distance relationship with phone calls, and one year later she came to singapore and got married.

cute, right?

then the in-laws hell, aka my grandparents begun.

and now my father’s backstory, first:

he was the classic example of the scapegoat i think. out of his siblings (an older brother, a younger brother, and a younger sister), he was the one my grandparents hated the most. ‘hated’ isnt even an exaggeration, apparently hey did tell him explicitly that he was the one they hated the most. A+ parenting yall. when in school, while his siblings get 50cents and 30cents (in order of favouritism), he got 20cents or none. they didnt care about the education of their kids, and so my dad dropped out at P3 (9 years old) and the others all within primary school age. my aunt may have went further though, im not sure.

when he started working at 13, my grandma would wait at the door everytime he got his salary and took all of it away. i dont think he got to keep any of it. she gambled quite often and spent loads of money.

it was from these incredibly unfair xperiences on childhood that my dad swore he would treat and spoil his kids and not show favouritism.

my parents got married years later, and basically everyone in my extended family h a t e d my mom, despite it being entirely non-justified because my mom is a freaking wonderful woman who isnt afraid of hardwork. Because my mom came from china, im presuming that its some mixture of xenophobia and racism that made them say that my mom was only here to mooch off my dad, and treat her like shit, until they didnt as they finally opened their eyes.

over here, all men have to go through compulsory national serivce, and my dad was no exception. after serving the 2 years they have to go back periodically for reservist training. this is the background info for this incident im going to repeat from my mother.

after she got married over here, my dad still had to go for reservist training. they only had a limited amount of time to use the phone after one entire week. my mom called him, talked to him as his wife, before uncle2 (the younger brother) interruppted her and told her to stop using the phone. assuming that he had an emergency, my mom quickly finished and hung up, my dad losing his rare few minutes to talk to his wife.

then uncle2 didnt use the phone.

god fucking damn it.

an example of unfair treatment: uncle1 had a different wife at that time. while my mom cooked entire meals for the family (they were living with my grandparents and uncle2 and probably aunt at that time) while being pregnant, when it came to be her birthday, my grandma didnt give her a red packet (gift of money). ‘im an old woman who hasnt worked for years, i have no money’.

then when it came to uncle1′s wife, who had never cooked any food and only got takeaways when she visited, she got a big shiny red packet from my grandma.

yeah, what the hell. my mom said she was very upset about this and cried. god, she was surrounded by people who hated her and yet she still worked so hard for them, she genuinely doesnt deserve this.

heres another thing about my grandma: apparently she gambled so often she oftently went to genting to gamble and the money all came from her kids. yeah. .

(my dads a chef, uncle1 is a mechanic, uncle2 is a part timer with no set jobs, and aunt is unknown.)

then i was born. my mom wasnt a citizen, and had to pay a lot of money to stay in the most expensive hospital word. the rare good thing my grandpa did was to fork out $2000 for her to have me. one day, if i can and he isnt dead yet, i will pay him back. ‘thats your coffin money’ i will say. ‘im not obligated to you anymore please leave my life forever’ i want to say.

looking back at the thick stack of photo albums, things appeared to be all happy and fun. people were smiling in the pictures, and i was showered in love and affection from everyone. it is only recently that i came to learn of the shit my parents went through under them.

i was also a lively and boisterous child who had no concept of day and night, it was almost enough to scare my parents into not having my siblings. nonetheless, my sister came into existence.

picture this: my dad looking all frazzled and tired as he took care of a wild toddler at the hospital without sleeping for 3 days straight, and my mom in labour, waiting to give birth. the nurse asked why wasnt anyone there to help out?

my mom said that was the only time she had ever seen my dad cry. my sister, my mom, and i all teared up as she recounted this.

it was then they swore to move out and not to rely on anyone ever again. the house i am in now is paid entirely by my parents.

my sister was born, and eventually, they moved out before my brother was born.

when they moved out, my grandma shouted at them ‘dont come back! i hope you die!’

at one point, or perhaps distance made the heart grow fonder, my grandparents and uncles started to treat my mom very nicely, realising that they were utterly wrong to judge and treat her that way at the beginning. thats why they treat her so nicely now, my mom explained. it is also the reason why my grandma always brought kuehs and chocolate cake over when she visited, subsequently developing my dislike of chocolate cake and neutrality towards chocolate at best. at this point im pretty sure they all like my mom more than my dad.

my aunt learnt her lesson in the form of receiving discrimination and hatred she once showed to my mom upon being married to a family of university graduates, and her only graduating secondary school. she wasnt as well-educated, and so after sharing my moms pain of being the hated daughter in law she finally learnt empathy and started being nice.

my grandpa too was a convert. he came over everyday to help out with chores and to take care of us. perhaps when we were all young the help was truly needed back then, but then some events made everyone question his motives...

i remember him fetching me from kindergarten every day every time. i wondered why my dad never did, and was happy on the occasions he did. it is only years later that i learnt that my grandpa hogged all those times to fetch us (my siblings and i). he outright refused to let my parents especially my dad to fetch us. on the occasions that my dad came, he threw a tantrum and went home. my dad was visibly upset as he recount this to us. ‘it felt like he was keeping my kids away from me’ he said. he has taken so much from my dad, and now even his kids???? im so upset on his behalf??

it genuinely feels like hes controlling everyone around him.

he is still coming over every single day, and from what i can tell he is incredibly passive aggressive and can never be satisifed with my dad. i dread his arrival.

for example, he refuses to eat anything my dad cooked. my dad, a known chef. once my dad made a noodle dish for dinner, he told my dad oh i cant eat noodles for dinner.

cue him eating the noodles my mom cooked for dinner.

cue him getting noodles for takeaway for dinner.

these days whenever my dad cooks for dinner we just give him money for takeaway.

speaking of leaving that ungrateful old bastard money, he also takes issue with my dad for this somehow. my dad left a note saying that thats his dinner money on the table, and he felt that it was so disrespectful he went to my moms workplace which is near where he lives and complained to her.

meanwhile my mom did the exact same thing and he had zero complaints.

when my dad fell asleep in my brothers room with my brother in it, he walked in and deliberately talked at the top of his lungs about some trivial matter that never came up in the years of living here.

the creepy amount of adoration he shows my mom is also apparent in how he would follow my tired sweaty mom after shes home from work everywhere to talk and yabber on about irrelevant things. she was obviously busy and wanted to be left alone, but hey that POS never cared about what anyone ever thought or wanted if its in conflict to what he wants. sometimes she had to close the door just to get him to leave her alone, and once he just opened the door and continued talking. my dad was enraged, he said he almost went to start a fight with him, and he would especially if my mom was in the midst of changing at the time.

once my dad brought him to the doctor. ‘so what did they say’ he would ask my dad repeatedly over and over again after seeing the doctor. ‘you are fine, and if anything happens the doctor will inform us to go to the hospital’.

he went to complain to my mom at her workplace that my dad was cursing at him to get in the hospital.

once he was nosey and opened up our mailbox, and when he found some letters addressed to my dad he slammed the pile of letters next to him on the sofa. wtf

god, its like no matter what my dad does he will NEVER be happy.

a while ago he lent his children money, and said oh its not lending hes giving them money with no strings attached, no interest at all. my dad took some for renovation, and this info will come into play later.

and so life continues on with his insistence to tidy and clean my house, with zero regards to anyones wishes. if someone so much as point out that he isnt doing something right, he would exaggerate his actions and ask and repeat.

heres the incident that triggered the Revelations:

my grandpa asked my sister if she still wanted a donut while holding it in his entire hand, as in his entire hand was clutched around the donut. visibly disgusted, my sister said no, she didnt want it. in an act of passive aggressiveness, he placed the donut and only the donut directly in the fridge. not on a plate no nothing.

my mom wrote him a note in response: my daughters are having national examinations soon, and my husband has to wake at 5am to go to work, and he doesnt have enough rest. it would be preferable if you do not make as much noise so they can study and rest properly. i am saying this here, it doesnt matter if you help with the chores or not, it is entirely up to you and we will not blame you if you choose to rest and watch tv instead. you will always have a meal and you dont need to worry about anything else. hope you can understand.

in response, he wrote back: i have read all your words, and there is no need to worry. from november, i will no longer be coming over. i want your husband to return me the renovation money. from: dumb dad (thats what he calls himself in notes)

first of fucking all: wow hes not even acknowledging that my dad is his son. second of all, hes using the money to control my parents and guilt them wtf

this incident got kinda big in the sense that my aunt got involved. my aunt, the golden child, called to stage an intervention.

she called my siblings and i privately, without my parents knowledge. she asked me:

‘are you aware that he has hearing issues and cannot tell that hes being loud?’

‘can you cope with his average noise level?’

‘is he actually disturbing you guys?’

of course i am aware. i am used to it. i am not sure why my mom wrote about the noisy part, could be the fact that he refused to let my dad rest. to which i answered:

‘yes i am aware, no he is not that noisy’

and in a nicer way, i told her ‘frankly the issue is his character, that he is a pos shit i cant stand and after knowing what he did to my parents especially my dad i dont want him in my life at all i dont want him to come over anyways’

‘how much would you say that its mostly his fault that there is conflict or is your dad making a big deal out of nothing?’

i bit my tongue and said its my grandpa 95% of the time. there are one or two occasions that i would say my dad is over reacting.

then she went on and on about how she has to balance both perspective and pick the best outcome, and there are two sides etc etc

what fucking two sides i wanted to ask. my parents literally did nothing wrong. he was the hand that clutched at the donut and squished it.

eventually, she yelled at him and to serious disappointment hes coming over again.

a little interlude about my aunt: she complained to my mom afterwards (im surrounded by snitches) that i am not very respectful about my grandpa, that i am lazy and didnt help around the house often (i tidied and cleaned my room frequently, and if my mom ask me to do chores i would. theres an agreement that i should just concentrate on my studies and she will take care of the chores). i stay in my room all the time and didnt come out when my relatives came over. (listen, theres nothing for me. my cousins are ur typical boys that i cant talk to, they hog the xbox and scream about fifa all the time, im not exactly interested in the adults conversations).

my mom defended me, yall. even my aunt has to concede that im a decent person.

and my mom told me she didnt actually agree with the way shes raising my cousins. they were told to never question my aunt and uncle, and their orders are orders. my parents didnt agree, they believed in reason. for everything they tell us to do, there is a legit reason behind it, and we can question them. my mom want us to do well so that she can prove that shes right all along.

my brother recall asking the cousins why my relatives didnt allow them to do certain things and they just shrugged.

well, thats a bet i am willing to participate in.

back to my grandpa.

my parents reasoning is that as compared to taking revenge and stop contacting him, they rather treat him decently no matter what, knowing deep down they has always did their best.

due to the way healthcare works here, my dad shouldered most of the hospital bill and healthcare when his parents were in the hospital. because #asianvalues, they never did thank him or appreciate him.

either my parents or my aunt said they are scared that if we do anything too drastic like refusing him to come here, he will go senile and demented. as he is now he has a clear enough mind to remain a dickbag to my dad.

well, i wasnt exactly close to him, or as close as he deluded himself to think. i wasnt exactly patient with him, in the sense that i kinda have to raise my voice to communicate with him pretty often. heres the complicated relationship between languages: he speaks mostly teochew, and some chinese. we are expected to understand him when he speaks chinese to get across something, but somehow when i speak my perfectly accurate chinese back at him he understands nothing. he will smile stupidly at me, nodding as if he understood.

you fake old man. you understood nothing. i dont want to bother. i am mean for saying this. i hate your pretenses. quit acting like you understand.the conversations between us are fruitless and useless and has zero point. just now, you saying while im eating dinner that ‘you should give me 50 dollars. look at me, i have nothing. ahahahahaha’

i ignored him, as my cold shoulders got colder.

‘your mother did give me $120, i actually have money. what a good girl’

just, what the fuck is he on about. why are you even asking me for money when you have it. this is the exact type of inane pointless conversations you have. i dont even want to dignify that with a response.

he went to my sister, 3 meters away from me, and said the exact same thing.

my sister: [turning her pockets inside out] i have no money

him, repeating what he said , and adding on ‘you are a good girl, your sister is bad, she didnt want to give me money’

what the fuck. hes still talking to us like we are 5. he always treat us like were 5. once i facepalmed and he told me not to do that i will give myself brain damage. i proceed to whack my forehead 4 times, each whack resounding loud and clear.

god, i really dont want to interact with him. theres guilt niggling at me that i shouldnt treat him like this, pretending he doesnt exist as much as possible. then i remember what he did to my dad, and also kinda my mom, and something in me says ‘he doesnt deserve a relationship with his grandchildren for treating his own son like this’.

god, how do i get him to understand that i dont want anything to do with him? that i hate him? i stop calling him ‘grandpa’, only referring to him as that. i dont greet him when he come over anymore.

a few days? weeks? ago he said as he walked out of my room: ‘i still love you the most.’

thats the problem aint it? favouritism. and we all know you favour my brother the most, which i dont mind. i want you to stop doting on me, i want you to pretend i dont exist too. not in the way where you blatantly talk and criticise someone to somebody in front of the person you are criticising.

when is karma ever coming for you?

nothing but you mattered to you, you dipshit. you never cared about how others may feel. you always did things your own way, you treat people whatever the hell you want to.

i visited you in the hospital after the operation on your balls, you were so happy afterwards you gave me a $50. i still wish i hadnt visited, you disgusting person. i wish i can give you the $50 back, but i think, ill keep it. i will treat it as a woeful attempt to ‘reward’ me for my love and affections. i will keep the money knowing that your love is not returned. cruel of me, but so were you.

i dont think there will ever be a resolution. i wont cry at your funeral, i will try not to. i did for my grandma, but that was before i knew the truth.

my mom told me it is undeniable that my relatives all doted and loved me. i want to reject your love. i want the right to not be loved.

#peoplenal #welp that was McDepressing i want out #potential emotional abuse?#god i kinda teared up #im perfectly fine with people not reading this #its genuinely the longest thing ive ever written wtf it clocked at 3.6k words #lmao if i mentioned any of the bitcheatingcrackers things he do my friends be like your grandpa is weird #i had to take breaks to look a pictures of cats #sorry peanut you didnt deserve the tears

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robonomics · 6 years ago

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Altria’s Investment in Juul: Buy, Hold, or Sell?

Altria’s stock has recently fallen on some pretty bad times. The last time I wrote about the company a few years ago, I endorsed it as a great long term buy. Since then, the stock has fallen about $15, or $9 if you account for unreinvested dividends. One would think the stock would be higher over this period along with the rest of the stock market, but events over this period changed the company’s strategy. Its most concerning risk- government regulation- battered the stock. Looking back, you can see that I’m not always right- nor do I believe I am always going to be when writing about my investment ideas. It’s time I re-examine Altria’s stock (this time ignoring Philip Morris’s stock).

Altria is holding company for the sin business. For the most part, it is a cigarette producer, owning several cigarette brands, most notably the American rights to Marlboro (Philip Morris owns the same brands but for the international market). It also dabbles in cigars, wine, and smokeless tobacco products like chewing tobacco and e-cigarettes. When it comes down to it, Altria is nothing more than a cash-generating machine in a recession-proof industry. Growth in cigarettes is in perpetual decline- its regular customers are dying after all. However, even with a declining base of users, it is able to increase revenues from price increases. Addicted people have a pretty inelastic demand curve, which Altria has taken advantage of as its core business model for decades. Further, brand loyalty is strong in the industry, and Altria has the strongest: Marlboro. Price competition hasn’t happened in decades when the industry oligopolists figured out that branding was all that mattered for users. On top of the businesses and brands it owns outright, they also own major stakes in a few other sin businesses. Over the long history of this company, much of its revenues come simply from the dividends it receives from these investments, and the managerial prowess it provides to the boards of these companies.

Interestingly, I just came across some of the terms of the Master Settlement Agreement, a 1998 settlement between cigarette manufacturers and 46 states. The terms require cigarette companies, including Altria, to pay billions every year to states in perpetuity for public health needs. Under the terms, 2018 was the last yearly increase in the amount to be paid. From here on out, the maximum amount tobacco firms have to pay is $9B/year all together. They collectively have no problem paying this. Just imagine how this will help the bottom line in the coming years as revenues continue to rise, but this cronic cash outlay stagnates- and that’s not even accounting for inflation! However, there appears to be some type of volume and inflation adjustment actually leading the manufacturers to paying less than expected, and which will possibly mean that their outlays will continue to rise in the coming years. It is unclear, but this may or may not mean that there will be additional earnings over the coming years.

In August of 2017, it sold off its stake in SABMiller in exchange for about a 10% stake in AB Inbev (SYMB: BUD), the world’s largest brewer. It also go$5.7B cash at the time of the deal. The nice thing about this is that AB Inbev pays a huge dividend to supplement Altria’s stake. Well not so much recently. Because of the debt ABInbev took on to buy SABMiller, the company recently cut its dividend dramatically, also causing a fall in the stock price. That means the value of Altria’s stake went down too. On the bright side, Altria has this stock to supplement its revenues, and, in the end, its own dividend payments. (I am struggling to find the actual amount of cash Altria generates from these dividends, but some rough math based on AB Inbev’s cash flow statement puts it at around $513M for the next projected full year and possibly $1.4B looking back over the year since it took a stake). All it has to do it sit back and wait every 6 months or so for the dividend to come in. I don’t really believe there is too much worry here in the long run. The beer industry faces a lot of competition from craft brewers competing with mass market producers, but even there it seems that some of the craft brewers are just becoming another large competitor in the market, like Bells and Yuengling. Sorry hipsters, you can’t fight off brand loyalty and the ease with which many consumers want to make their purchasing decisions forever. Sure, Altria’s income statement is going to take a hit while Bud pays down debt, but investing in a company for an asset play is not unheard of. For example, investors might find swaths of land owned in prime markets by companies that aren’t using it properly and invest in what otherwise looks like a dead end company solely for the purpose getting the company to sell the land, and hence, give them a huge inflow of profits. If Altria truly fell on hard times, it could do the same with its AB Inbev stake. So far, management doesn’t see a problem with it, notably because they haven’t sold it in order to make other investments.

Juul is Cool

Speaking of asset plays, Altria’s biggest recent news involves its new stake in Juul, an e-cigarette company. Juul essentially came out of nowhere in the last couple years. Just in the last year alone, it had an explosive 900% growth in revenues to $1.5B. Why? Simple: Juul is cool. A generational shift is currently happening where smoking went from being a nasty habit into what is considered one of the coolest things to celebrate for college (and likely high school- see below) students. Just review a Barstool Sports Instagram or Twitter account for any random college and you’ll find videos of countless people showing off the numerous ways they consume, charge, and distribute their Juul. Hell, I’m even using one right now! Just kidding, but I occasionally think of getting one. What used to be a dying, slowly decreasing market for nicotine has now turned into a super fast growth market. The base of users is growing again, and therefore, the chance for new revenues and profits.

This is the reason Altria invested $12.8B in Juul for a 35% stake, valuing Juul at $38B. That’s 25x last year’s sales, a dotcom bubble era size valuation. Juul supposedly makes up 75% of the e-cigarette’s $2.3Bish market*, so it’s still dwarfed in size by the cigarette market, a $119B industry in the US in 2017, over $600B globally. This is the reason why many analysts believe Altria overpaid: it will take a long time to recoup the investment in a small company and market, regardless of how high the current growth rate is. I’m not so certain though. Even in my attempts to do a discounted cash flow model with completely arbitrary figures, the revenue growth rates have to continue to be pretty explosive for several years. From the looks of it, Altria is betting that its customers will quit smoking cigarettes and switch to e-cigarettes,and gain new users who weren’t previously smokers. Nicotine is addictive, so there isn’t much concern about future revenue generation once a new customer buys its products. How much brand loyalty will exist in this new market is uncertain, so part of their bet is that Juul is going to be the Marlboro of e-cigarettes. If Juul and other e-cigarette brands can turn a $2.5B industry into a behemoth $119B, assuming the switch is a perfect substitution, it’s not a bad move for Altria to pay up now to maintain its current 50% market share. Maybe e-cigarettes will generate less revenue but from some quick figures on from numerous sources that aren’t totally reliable, Juuls will make a shit ton more. Estimates range on how long a pod lasts, from a day to a week depending on a person’s use. Some say a pack of cigarettes is equivalent to a pod in reference to its nicotine level, delivering 5% nicotine per puff. I have not clue how that translates to a cigarette pack. On average, it’s a more expensive habit than smoking at $15/pod. This means its users, at least at the moment, likely have higher incomes, or really are committed to quitting smoking. As we already know, addicted smokers have a high inelasticity of demand, but it is unclear if this much higher price is something users are as willing to stomach before brand switching or price competition occurs. What is clear is that as long as Juul can maintain pricing power from the dominance of its brand- a risk in a new market- it is likely that Juul will be a cash fucking cow. A fast growing one, too.

The terms of the purchase agreement are very favorable to Juul. In exchange for a 35% stake in the company, it basically gets access to act as if it were any other product in Altria’s sales force. Prominent placement in stores, marketing campaign assistance, distribution network, brand management, you name it- Juul now has it. Overnight, a company with a well-known brand from a niche industry gained the knowledge of the larger industry it’s taking on’s best competitor. Under the terms, Juul also doesn’t have to worry about Altria using its new board seats to influence a future sale of the company outright to Altria, well at least for 6 years. I have a feeling Altria will block any other competitors from taking stakes in the company before (if it ever) goes public, and be happy to buyout the rest of the company if the next 6 years prove that they made a good investment. Many investors see all these benefits to Juul and limitations on Altria as a sign that Altria overpaid for an investment in a parasite. One thing investors are forgetting: Altria knows the tobacco market better than them. As long as what I imagine Altria predicts are astronomical growth rates in the e-cigarette industry over the coming decade, the stake will pay for itself- especially the board seats at the decision making table (future acquisition). The difference between this and the AOL/Time Warner merger is that Juul generates cash and profits, unlike the lofty future projections of AOL. Cash speaks, and Altria is simply looking to keep its cash generating machine of addicted users running long into the future.

The big negative the comes with this investment is that it is politically very savvy to attack not only the smoking industry, but especially the e-cigarette industry. Not only has the number of vapers increased dramatically in the last couple years, but sadly the number of people under 18 has too. This is the first time in a long time that any form of nicotine use has climbed in that age group in quite a while. Some attribute it to product advertising. I’m not sure where but possibly Instagram and Twitter. The FDA appears to be on somewhat of a mission at the moment not only to regulate, but destroy the industry, announcing just this morning that if teen vaping rates do not stop rising in 2019 (highly unlikely) they might completely ban the product. While I fully disagree with this approach, and much of the various proposals the FDA has announced regarding e-cigarettes simply because of the massive decrease in health problems compared to conventional smoking, it is a real scare for investors, especially since Juul is the FDA’s biggest target. A ban on e-cigarette’s would completely wipe out Altria’s $12B investment.

But keep in mind, the FDA also once proposed regulating the level of nicotine in cigarettes down to a non-addictive level. That never went through. Every once in a while, the FDA talks about banning menthol. They did so officially this past November. I’m a bit concerned about this, as an investor, but who knows if it will actually go through. I feel that notice and comment rule making proposals almost always go through since public input or any opposition to a proposal really doesn’t matter in administrative rule making, but lobbying is a strong force to deal with. Altria, which I imagine Juul will be a maaaaaaajor beneficiary of, has an incredibly strong lobbying team. Along with British American Tobacco and other major cigarette producers, its not a stretch to say smoking is a prime example of regulatory capture: when industry regulators become so cozy with the companies they regulate that the regulators implement whatever rules the companies want in place. And the companies always make it so that they survive and competitive barriers are put up. I’m not a fan of the model, but it’s a common one; one Altria is really good at. If anyone can stop the FDA from banning revenue generating products, it’s the cigarette industry under a pro-business president.

Without going into it much, Altria’s investment in Juul is likely a positive for the company, but from an antitrust concern I am fully opposed to it. Altria already announced that they are shutting down their in-house e-cigarette brand operations in order to focus on Juul- a blatant example of anti-competitive activity.

Other Stuff

Altria also recently invested $1.8B in Cronos (SYMB: CRON), a canadian cannabis maker. On this front, I simply do not have enough knowledge. With a 45% stake in the company, and the ability to take majority control later, this could work out similarly to their investment in Juul. I’m happy Altria is investing an area that logically flows from its core business model, the marketing of sin products. Maybe Cronos will become the next Altria of marijuana. The hard part here is that competition is rife in this legally suspect industry. Who will be the eventual victor after marijuana is fully legalized in the US is unclear. There are numerous competitors, a lack of brand loyalty anywhere as far as I can see at this point, too many different flavors (strains) without clear mass appeal, hundreds of different consumption methods... the list goes on. Another on the competitive front is that multiple different sin business giants are investing in the industry, including Constellation Brands. I’ve even heard that general products companies like Coca-Cola are looking to get in on the game. That’s a lot of strong marketing/brand competition to eventually face. It is an economist’s dream to follow the marijuana industry given how all the different restrictions affect decision making and how it came to life out of nowhere to let market factors play out in real time. However from an investors stand point, any investment in the waaaaaaay-overvalued-relative-to-risk marijuana stock sector, it’s a crap shoot whether Altria made a good investment or not. Analysts see it generally as a good move for both Altria and Cronos, which seems strange to me given their universal agreement on how the Juul investment was bad, even though Juul has much better prospects of future success. Let’s hope the analysts are right about Cronos.

One of the biggest problems Altria faces as a stock rather than a company is how it is viewed. Currently, it is a blue chip industry stock. Revenues grow with stability over time. Dividends are high. Cash flows are massive. For much of its history, the company has had so much money that it had to buy up companies in totally unrelated industries just to find somewhere to grow and diversity in case cigarettes were all out banned (Kraft, SABMiller, etc.). Investors have historically bought the stock because of its reliable dividend. With interests rates rising, this presents a problem: investors sell high dividend stocks and switch to bonds to lower their risk for the same or similar return. This creates a headwind against Altria for the expected coming years. Further, if Altria’s investment in Juul turns out to add lots of growth to its revenues, it may completely alter Altria’s historical view as a dividend growth and income play. Whenever this happens, stock prices are unpredictable as investors try to figure out the future direction of the company. This is a probably the biggest risk factor for the stock, more so than its one time investment in Juul. On the plus side, it does not have much foreign exchange exposure, since it owns only the US rights to Philip Morris products. Altria is therefore a bet on the US market.

Is it a buy?

This isn’t so clear. To me, Altria’s investment in Juul is a good move, even at its high value. It’s overall business model seems to be intact, if dying without it’s investment in Juul. An investment in Altria without the Juul investment would have been a dividend play, but with it, there is now growth potential. If you were to invest in this stock, it is likely to stagnate for a while. But since it recently fell 30% in the last three months, mostly related to general market moves compounded by their investment announcements and regulatory scares, the price looks attractive at these levels relative to expected earnings. The P/E is at a 5 year low. Other valuation metrics are also at 5 year lows for the stock, suggesting it may be undervalued relative to the long run. I suggest waiting out until the next earnings call to hear what Altria has to say about its Juul investment. This is the key to any future investment decision. Sure, you might miss out on a current buying opportunity, but I think it’s too risky when you can wait to hear what management has to say. If the stock goes up on their discussion, no biggie. Plus, there is low downside risk since a lot of the negative factors I’ve listed, notably the on the regulatory front, are baked into the stock already. It’s all about long term growth.

It’s clear that there is a morality complex that comes along with an investment in Altria. The nice thing to remember is that whenever you buy a share of stock, its going to be from the secondary market. This means that you aren’t actually putting any money into the company, you are simply buying the rights to future earnings from someone else who may or may not have actually put money into the company’s bank account decades ago. This likely won’t dispel any moral issues for most investors, so at the very least one could look at Altria’s investment in Juul as taking a step to severely reduce the health hazards attached to a nicotine addiction, to say nothing about the taboo against addiction generally. In no way is it good that teens are getting addicted at young ages, especially from a psychological perspective (though we know how notoriously unreliable studies in that field are, both scientifically and statistically). For me, I look at Juul as a way to help people quit smoking, or be addicted without the vast majority of the health problems associated with smoking. It’s unfortunate that high schoolers find it cool, but at the same time, it’s not translating into cigarette use, a far worse alternative. At least, not yet. Teenagers have always found ways to do adult things adults don’t want them to do, whether it’s smoking, drinking, seeing R rated movies, or having sex. Maybe this will be one with far less problems (though there are reports of people who vaped so much that it caused seizures- not a good thing). It’s up to the investor, when it comes down to it, whether they feel good or not investing in a company whose sole purpose is feeding users’ addictions.

1/28/19 Update: Another thing to consider is the expected rate of e-cigarette cannibalization of traditional smoking. Sure, Altria’s investment in Juul will help offset the cannibalization it faces, but not only will this not be a perfect one-for-one switch given Altria’s loss only returns it a 35% share of profits from Juul, it also means that the costs to Altria might be felt much stronger in the short term even though it will make up for it in the long term. Putting it simply, it’s not clear if there is nothing but pain for Altria’s stock in the next couple years as people switch smoking preferences for current smokers (new nicotine addicts aren’t as much of a concern), even though it will be offset by the gains in their Juul investment in the long run. This could lead to years of stagnation or stock price depreciation before getting growth again, even in as Altria raises cigarette prices every year to combat the loss in unit sales. Investors should consider this macro trend when deciding on the timing of whether to invest in Altria, if at all.

*I know the math doesn’t make sense: 1.5/2.3 ≠ 75%. But I’m going off the various statistics I found in news articles and some statistics databases on the industry.

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captain-unlikelynutbouquet-blog · 6 years ago

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usual car insurance cost

"usual car insurance cost

usual car insurance cost

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Electric Car insurance and teen drivers.....?

How much does insurance go up if you add a 17 year old with a learner's permit to your plan. I live in Florida and have Electric Car Insurance.

What is the average homeowners insurance cost in CT for older homes?

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How much would car insurance be for me? (teen)?

I'm 16. Driving a Honda Accord 2001, with 130,000 miles. I live in the state of Delaware. I'm a male, with about. 3.0 average in school. If you had to guesstimate , how much do you think my insurance would be?""

Does the cost of my insurance for driving get reduced when I turn from 16 to 17?

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I am starting to run workshops, teaching creative recycling crafts and require public liability insurance. Could you point me in the right direction please?""

How much would it cost to own a porsche boxter a year? pleeeeeeeeeeeeeeeeeeeeeeeeeeee... answer. i beg to you?

a 2007 model, 3.5l, if i drive around 20000 miles a year. include insurance, tax, maintenance, repairs, etc. would 5000 british pounds be enough""

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I moving to California and on my own and I am 17, turning 18 in about 2 months, and I was wondering how much health insurance would cost me? and what would it cover?""

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I am driving my 2012 leased car from CA to MA, because I am relocating to MA from CA. I currently have farmers insurance on the car, will my insurance cover when I am driving across the country ? I will obviosly find a new insurance company in MA and will cancel my CA insurance, but i am just concerned about the Insurance during the drive. Appreciate any response. Thank you. -Kris""

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okay, lets say you had a car accident where no one was hurt, and its your fault. how much will your car insurance go up?""

How much would car insurance cost for me?

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Just passed me test and looked at insurance and wwwwoooowwww!!!! 3000 around the value of the car any way, so insurance quotes expect young people to write there car off twice at 8000 crazy i mean i understand that there are some bad young overconfident drivers basicly this is for and auto 1.2 nisan micra fully comp on my mums insurance. Im a guy and 18 in may so what is the way around this. I don't really want a car but for me i feel its necessary because i'm not a confident driver so need to keep it going. so do i buy a bangger(If so whats a good model) or go on my mums car. UK thanks guys any help appreciated""

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is it ok to work for insurance company?

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Will my car insurance go up because my friend got a speeding ticket while driveing my car??

I let my friend drive my car and he got a speeding ticket for going 5 over. will my insurance go up because he got the ticket while driving my car or just his insurance.

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I just trying to determine what the average cost for an fr 44 is in Florida after a dui

Car insurance?

i have a license and live in CT and i have a question about insurance the web page says the vehicles should be insured. my dad and mom have insurance for their them but i dont so i dont have to get insurance because the vehicle is insured? or everyone should have insurance who drives on the road?

How do I get health insurance for my newborn?

The cheapest car insurance for first time drivers?

looking to get my own car soon and trying to my license I am 24 yrs old and just starting to figure stuff out for myself and wanted to know whats the cheapest car insurance

Why are rich people so upset that poor people and youngters can now get affordable 'health care'?

here in mississippi for our age group it's like only $500 a month. No wonder they need to raise the minimum wage.

usual car insurance cost

https://www.linkedin.com/pulse/classic-car-insurance-1972-camaro-jayden-crosby/"

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captain-spookycandycollecti-blog · 6 years ago

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Winston-Salem North Carolina Cheap car insurance quotes zip 27114

"Winston-Salem North Carolina Cheap car insurance quotes zip 27114

Winston-Salem North Carolina Cheap car insurance quotes zip 27114

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

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I am a 19 year old male university student in Ontario Canada. I live at home in the summer and only one hour from home during the school year for my studies. I would like to purchase my own car for everyday driving. However, I know that I would not be able to afford the ridiculous insurance there is for a male driver that is under 25 and listed as the primary driver. I have heard of ways to get around this, such as getting listed as a secondary driver and having my dad as the primary driver and just me as a temporary driver. Doing this is kind of lying, as I would be having the car all the time in the school year and then bring it home with me when I work at home. I don't think it would matter though, I doubt it is risky that if I did need a claim they would investigate how much I had the car... But what my dad seems to think is that he can only have a certain amount of cars listed as him as primary. My mom and dad live together and together own a 1994 Intrepid, 2003 Cadillac CTS and a 1988 Corvette (that is insured for only 5 months a year, stored in the winter). I am only insured as a temporary driver on the Intrepid as it is too expensive for anything else. I also have a 21 year old sister who is in the same situation (lives at home for 4 months a year) but she has just bought her own car and is her own primary driver. So I don't think that should affect me at all, it is cheap enough for a female to get primary insurance at this age. So now I want to buy a sports car. I am 100% sure I want to buy a car that is not common, its just something I am stubborn about and so I know that insurance will be more this way. Specifically I was looking at an Audi tt, BMW 300 series, Mitsubishi Eclipse or a Mustang... I also found a great deal on a '99 Porsche Boxster that a seller has that is way underpriced and I'd love to buy it (first choice). My question is, can I claim that my dad is really the owner of the Porsche (or other car) and say that I am a temporary driver, and then have me drive it all the time and take it back and forth to school, etc, knowing my parents together already have 2 vehicles and 1 summer vehicle. I would take myself off of the temporary insurance on the Intrepid. My dad seems to think that an insurance company will not allow them to be primary drivers on 3 vehicles and 1 summer vehicle while having dependant children... But what if I did the insurance quotes online and got approved? I already did get quotes before, and I don't think I ran into any problems. But I want to be covered and in case I did need to make a claim, this method won't come back to bite me in the butt. What is anyone's take on this? Like I said, I cannot afford to pay the insurance on the car as a primary driver at this point, but paying for the car itself won't be a problem. I do realise that I will be paying for this way than I do at the moment because of the car, but instead of $3000 more I was thinking $400 more or something. Thanks for reading all the facts, any answers will be greatly greatly appreciated! Thanks everyone!""

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Winston-Salem North Carolina Cheap car insurance quotes zip 27114

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I recently moved here and need to buy insurance for my car. Ive been searching on-line and i am overwhelmed on how expensive the rates are here in fl compared to California where i use to live. I have never had quotes in the 100's. so do u know a cheap auto insurance company here in miami, fl I have a 95 ford mustang cv""

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Someone hit our car in a walmart parking lot. Our tail light was broken and the estimated cost to replace it is $420-$500. Since it is under $750, we didn't report to police or DMV. However, the driver didn't have insurance card in the car and gave us bogus information about their insurance. We only have their license plate and a walmart security person as witness. How do we track down this person or report uninsured driver/car? We are in San Diego, CA.""

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Why is it assumed auto/motorcycle insurance is optional?

Why do so many drivers who live where having auto insurance is law(pretty much all of the U.S.) have this arrogant belief that just because they can't afford the insurance or can't pay out of their pocket that they still have the right to drive on the road? Worst thing is why are these people hardly punished for breaking the law and why must the other driver's insurance cover uninsured drivers. This whole insurance process is the most screwed up thing and proof of human idiocy. You ever see that commcerial for SafeAuto insurance? The dumb girl goes, I been in lots of accidents, but I NEED my car. or the guy who says' I don't have money for insurance, but I need to make tough choices. Like they are telling us they are going to drive their car without insurance. This is how we allow this type of stupidity.""

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i just posted a question about buying a new car, im 19 years old, and someone said at my age if i finance a new car i have to get full coverage insurance, is this true? how old do i have to be not to have to do that? what if i buy the car under someone elses name-say my mom or dad? i live in california in case that matters""

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I have Mercury Insurance and someone hit me in the back at a stop light. I got all of there info, but I was wondering if we went through this with our insurance companies would my rates go up? thanks :D""

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Winston-Salem North Carolina Cheap car insurance quotes zip 27114

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Can you go to a dentist without an insurance card?

"Can you go to a dentist without an insurance card?

Can you go to a dentist without an insurance card?

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

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Any insurance companies do 1 day insurance for 17 year olds?

What will happen if I drive without insurance for few days?

I live in New Jersey, my county is Hudson county. I just bought my car yesterday afternoon my insurance company was closed. I could not call them to add the car on insurance and start driving with my other car insurance. What will happen if I drive with my other car insurance in my new car for a few days? What if cops stop me? Will I get a ticket or something else?""

Best optical insurance?

Which insurance is accepted at the most places?

Could this be health insurance fraud?

Hi, I over heard someone that I know talking to their Significant other, and one implied to the other that the guy I know is letting his mother use his health insurance for something, I'm not sure what. What could someone be doing, across state lines with their son's health insurance? Should I report this? Who would I report it to? I could probably figure out what insurance company it is. Thanks for any input.""

Insurance while in the military?

How does insurance work when the car is registered in another state which for me is california and I'm currently stationed in texas. What address would i use if my car is with me in texas but is registered in cali.

How much is car insurance for a range rover sport 2010?

I have a friend how is looking to get a 2st hand range rover sport 2010 but Is worried about the insurance. What is the range of car insurance prices for the basic driver

Is a scraped car door handle worth the rise in insurance rates?

If someone scraped against your car door and the only thing damaged was the handle on the passenger side door, would you file an insurance claim and risk a rise in insurance? The scrape is only about 1-2 inches long.""

Why does the political left compare obamacare to car insurance?

car insurance is to cover the other guy, people often have liability only which give no personal coverage whatsoever!!! ca""

""Im 19 years old and looking for a cool car that wont cost too much for insurance, any suggestions?""

Im 19 years old and looking for a cool car that wont cost too much for insurance, any suggestions?""

Is there any cheap health insurance that have good coverage in california ?

What is the best way to use technology in comparing insurance premiums for MEDICARE costing?

Many of the baby boomer generation will shortly be reviewing insurance costs for our retirement years - health, medical, prescription and the like. We will need to make decisions based upon retirement income and expenses. I have done some preliminary research and it appears I need to do a lot more. The data for health and medical costs is easily available however there is a ton of it. For this reason, I intend to use spreadsheets to crunch through this and any other tech tool I can locate. One of the problems with this approach is that just about every quote is proprietary, that is each quote has its own bells and whistles which make it more or less expensive than the next company. Although I have spreadsheet skills, I can visualize that any template I make must provide for more assumptions than I want to make. From the above it's clear to me that I need some kind of generic (FREE) spreadsheet template that is not proprietary, combines monthly income and expense (insurance premiums counted as expenses), is not locked in terms of making formula adjustments, and has the ability to forecast. If this is as clear as mud to you, welcome to the crowd. Surely, there are fill in the blanks templates dealing with MEDICARE comparative cost determination. If there are and you are aware of them, please let me know. I would be in your debt. Regards, Rich F. Florida""

Cheapest car insurance?

What would be the cheapest car insurance for a low income 18 year old female who has had two tickets. I have a Chevy Tahoe-2006 and I live in Oklahoma if that helps.

How much have you paid for classic car insurance?

I have just bought merc e220 1993 and looking for cheap policy. Im over 30 female and got a wicked quote for fully comp with a named driver for 180. What have you paid?

I have question about car insurance!!?

ok I live in California northern part so.... I wanto know how much is the car insurance for 16 years old? Is it depends on type of car and the price you got it? I found a car in the internet its 2008 audi rs4 $2000 clean title how much do u think is the car insurance for this car... Thanks for the real answers!!!!

I pay more for auto insurance than medical insurance?

And no, im not a bad driver. Will Obama have some sort of auto insurance reform next to help us out? Look at how many Americans dont have car insurance but drive anyways.""

I NEED A CHEAP AUTO INSURANCE ONTARIO?

I have my g2, i am 19 years old, and i am trying to find a cheap insurance to quote me on a cheap car....its only a 99 cavalier 4 door. I have done a lot of online quotes and i have basically gotten the same quote around $430. I would like a quote more around the $200 range!! Help! Anyone know of any cheap auto insurances?? Thanks!! Carley.xo""

Can anybody advise me on the Insurance Company United America for health insurance?

I need Health insurance and would like advise on this company

Car InSuRaNcE!!!!!!!!!!!!!!!?

if i buy a cheap second hand car and want 2 get insurance on it, how much will it cost?? Am 17 and a learner driver.. im buying the car to help me drive better individually. thanks""

Where can I get affordable health insurance in Arkansas??

Car insurance. Using car but insurance under my moms name!!!?

HI my mom gave me her car which is insured only under her name and i took it to California from Illinois. I registered the car in California and switched the title to only my name. Can I legally drive around using the insurance card with my moms name on it which is also from Illinois?

How much does a limo insurance cost?

im saving 33,480 dollars to buy an 04 limo""

What ammount of miles should I drive yearly to get a minimum insurance rate?

I think if you drive less than a certain ammount of miles, you get cheaper insurance. What ammount is ideal? Plus, how are an insurance company meant to know if you drive to School ...show more""

How much is the insurance for a mazda rx8?

how much would it cost me? the insurance? im going to turn 18 and im going to start paying for my own insurance? since i have no credit around how much would it cost me.

""My husband and I want to get Life Insurance, help!?""

We have NO idea how this works. We have NO kids, we are in our mid 30's and relatively healthy. We prefer the NON hassle of no medical exam, etc. Can someone give us a hassle free/low cost, name of a company to use and explain how Life Insurance works? (I know the basics, that if one of us dies, we get benefits yada yada)""

What's the average cost monthly for a high school student for having a car?

Just like the question says, around how much is everything put together on having a car (maintaining, oil, insurance etc) for a high school student. Thanks.""

Can you go to a dentist without an insurance card?

If I'm on someone else car insurance am I liable?

My old boy friend put me on his car insurance so I could drive his car. We are no longer together. If he gets in an accident could I get sued? He has nothing, but I do.""

HELP : ( I need dental coverage but I am a temp.Can anyone recommend insurance?!?

I'm having a really hard time finding an insurance company that are available to temps. Unfortunately I make too much to be eligible for medicaid, which is ironic because I don't make a lot of money! lol So any suggestions!? I really need to go to the dentist asap, I'm in a lot of pain :'(""

Is there a life insurance that can be purchased for a 90 year old lady?

Where I get reference with Children insurance?

I've family and he have children, and now want join insurance for their children. Can you give me a reference?""

Paying a full year of homeowners insurance up front out of pocket?

I'm closing next week on my first house and the mortgage guy just informed me that i have to pre pay a full yr of homeowner insurance up front out of pocket. Others are telling me that this is usually included in the closing costs. In my case the owners are paying all closing costs. This was never disclosed to me and now I have to come up with an additional $1,000 that could have went towards new appliances that the home needs. Anyone else have any idea if I can include in the closing costs?""

Registering a car in California?

I just bought a car in California. I just moved here and am still looking for a place to live. It was a private sale, but they left me the plates, they said it goes with the car. She also told me I have 10 days to report to the DMV. Is this true? I haven't yet because I still have no place to live. If I opened a PO Box, would that be sufficient to register my car to, and even a drivers license? Or do I need a street address? What should I do? Also, can I insure it with just a PO box? I hope to have a place within the next week, but I'm still waiting on all of this right now.""

Car Insurance Question?

Here's the quick version of the story- I'm 21 and have just totaled my Altima on a rainy night, crashing into the back of a parked SUV, also totaling that. I have received a $700 bill for the ambulance, a $1200 for the radiography and, here's the kicker, a $24,000 bill for the hospital. I do not have medical insurance or medical coverage on my car insurance and will not be able to pay off the hefty hospital bill. What options do I have?""

Help with Car Insurance quote?

Hey there, I just wondered if someone could help me with a query on car insurance. Does anyone know how much I could end up paying for Insurance for a Vauxhall Corsa? I'm 23, and passed my test in January and was thinking off buying a car in a month or 2. Ive tried various sites for insurance quotes but they all ask for your number and I don't want to get hassled. The details of the type of car I'd like is as follows: Transmission: manual Fuel: petrol Engine size: 1.2L Doors: 5 Not much I know but this is the site I got the details from: http://www.arnoldclark.co.uk/detail.html?ac_reg=blk_u31kotjueau0i8uc&$ac_sr=0&$ac_pp=10&$blk=1&$franchiselist=vaux&$model=Corsa&$franchise=vaux&$model=Corsa I realise I probably wont get an exact amount but even an idea of how much I might end up paying a month. Thanks for any help :)""

Who provides really affordable car insurance?

I'm 19 in a month, I drive a 2002 Ford explorer and it needs to have full coverage. What are some cheap insurance providers for teenagers? What can I do to lower the cost?""

How to obtain depreciation from insurance company?

I had a roof claim at the end of the year for $45K. Ultimately the roof failed and damaged the interior of the home as well. The insurance company sent an initial check for $38K, and there is $7K in depreciation as a hold back. Once the work was completed I sent the insurance company a final invoice from the contractor for $44K. The invoice listed all of the work done and a grand total. The adjust is asking for line item detail around the charges. My contractor is telling me this is a ridiculous request and won't provide. So now I am sitting here with an adjuster who won't budge on their stance and a contractor who won't help. Are there any hard and fast rules on how to obtain the depreciation funds. In the couple of claims prior to this over the years, all I had to turn in was a generic invoice. I am at a loss and need to get those funds to close this deal out. I have full replacement value.""

Are there any good Websites about Insurance ?

For someone who is newbie in Insurance , Also if it contains cases and Q&A it would be best Does anyone know any ???""

Individual dental insurance for braces?

What is a good individual dental insurance if I were to get braces? I have done some research and nailed it down to DeltaCare and Pacificare. So which dental insurance is better, or any other suggestions? Pacificare cost slightly less than DeltaCare as far as co-payments go. Both are HMO plans, all the PPO plans covers little to nothing for braces, so HMO seems to be the only way to go for an individual plan. DeltaCare seems to be more reliable since it's associated with Delta Dental, a little more costly also. I'm more concerned about the quality of the services as far as making claims and such. So DeltaCare, Pacificare, or ay other dental insurance/plans? Any personal experience with either of these companies? I am in San Francisco, California.""

Would insurance on a 1992 lexus sc 300 be expensive? im 18 year old in riverside california?

yes i recently just got my license and im only 18 in riverside california

How much would the insurance of a 125 cc Honda Innova cost in Ireland ?

I'm 17 turning 18 in december and want to start driving the bike .

Will my car insurance rates go up after my first fender bender?

I'm sixteen years old and i got into my first fender bender. I was at fault, but the officer at the scene said that the damage was minor and would probably be less than 400 dollars. However, I was just wondering if my parent's insurance rate would go up ( I'm under their name) and whether or not it would just be easier to pay out of pocket. And if it did go up, how much do you think ( i live in Tennessee )""

Are insurance rates high for classic cars?

Where can I find affordable health insurance?

It is for me, not a family""

What's the best car insurance company 2 get the lowest price rates on a 74 caprice classic?

Car Insurance Question..?

I don't have car insurance, but I have a driver's license. I am 16 years old living in Arkansas and I don't drive much. My parents have insurance and when they added me to the policy (of 2 cars), it went from $150 a month to $350, which we can't afford. We cancelled that insurance (with geico) and now have esurance, where my parents pay $135 monthly (with the same coverage), without me added. Should I be added on the policy, even though I don't drive much? If I'm driving and get in an accident, can I say that I was just burrowing my dad's car? Will I be covered under him then? (since i don't have my own car) I am confused. How does this work? thanks""

How much will a insurance company payout for whiplash and soft tissue injury?

I was invloved in a car accident where a person was texting and ran into the back of me on the highway going about 60MPH how much does a insurance company usually pay out for personal injury and should i use a lawer or settle by myself

Being denied by insurance for pizza delivery?

I applied for a driving postion at a local pizza resturant, and when i went in for the interview I was told so long as the insurance approved me i would start training in a week, and when i called today i was told the insurance did not approve me, and was not given a reason why, and i have no tickets or accidents at all on my driving record, any body in the insurance or pizza delivering bussiness know possibly why i was denied by the insurance?""

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

How much does car insurance usually cost for a regular car?

don't give me a stupid link or tell me to check out a website just give me your estimate. How much do you pay?

""Can i make a car insurance in my name, if my girlfriend owns the car?""

I had some problems with DVLA some time ago becose i didn t SORN a car in time. Now i want to buy a car and make the papers on my girlfriend name becose of that...she dosen t have a driving license and the car is for me, so i want to make the insurance in my name....is that possible, will the insurance coste more becose i m not the owner??""

What would happen with my insurance company?

I hit a car 10 months ago. The guy said I didn't have to pay for it because he said the car was a piece of crap. So no reports were filed or anything. 1 month after the accident, he wants the car fixed. What would happen if I called my insurance and told them this? Would my rates rise? Would I pay extra fees? Would my insurance still cover it? I live in California and have Farmers and I am under 18""

Can you go to a dentist without an insurance card?

https://www.linkedin.com/pulse/im-someone-else-car-insurance-am-i-liable-anthony-lopez/"

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themoneybuff-blog · 7 years ago

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How to find your purpose in life: 12 powerful exercises to help you discover purpose and passion

Shares 298 Happy blogiversary! Twelve years ago today, I launched a humble little blog about personal finance this blog, Get Rich Slowly. It was meant as a way for me to share the things I was learning as I dug out of debt. It turned into so much more. For the next couple of weeks, Im on the road in the southeastern U.S., speaking to people about personal finance and meeting with readers. This morning, for instance, I spoke to the 76 people attending Camp FI in Spring Grove, Virginia. My topic? No surprise: The importance of having purpose in your life. As you can see, I am a PowerPoint genius

If youve spent any time reading my material, you know that I believe purpose is the foundation on which all plans financial and otherwise ought to be built. Purpose is a compass. It helps you set big goals, sure, but it also acts as a guide when times get tough. Your mother died? Your wife left? Your husband lost his job? If you know what your primary purpose is in life, these stressful events are much easier to deal with. For this presentation, I added a new twist. You see, a lot of folks who are interested in money tend to pick things like getting out of debt and becoming financially independent as their purpose or mission. But I think these are poor choices. Ive seen far too many folks make debt elimination a goal then fall right back into debt once theyve achieved it. And there are plenty of people who reach FI (or retire early) only to find they no longer know what to do. (Its like aiming to reach a certain weight instead of choosing to make lasting lifestyle changes that lead to weight reduction.) Instead, I think its important to recognize that your financial situation should be side effect of pursuing some greater purpose. Financial independence ought not be your aim; its merely a means to an end. When I speak about purpose (which is often), I tend to fall back to the George Kinder/Alan Lakein personal mission statement exercise. I feel like its one of the best available tools for helping people find focus. But its not the only tool. Today, to celebrate this sites twelfth birthday, I want to present twelve alternative exercises for discovering your purpose and passion. If youve tried one (or more) of these without success, try another. One of them is sure to be useful for you. Note: Ive done my best to credit sources for these exercises. (Many come from Barbara Shers excellent book Wishcraft, which is all about crafting the life you really want.) At the end of this article, Ill give you a list of recommended reading and tell you what I think is the single best book for discovering passion and purpose. Your One-Hundred Word Philosophy The first exercise is one I created myself. Its based on CrossFits world-class fitness in 100 words statement. Theres no time limit for this exercise, but it could take a while so be prepared. Your aim is to write out your life philosophy in exactly one hundred words no more and no less. This can take any form you want, from a statement of values to a list of instructions. Begin by writing down your core beliefs and values. It might also be helpful to think about books that have had a big impact on your life or powerful advice youve received in the past. Based on your experience and beliefs, what is your life philosophy? As an example, heres my own hundred-word philosophy, which Ive written as instructions to myself:

Some of those admonitions are my own invention. Some come from books like The Four Agreements and The Power of Now. Refuse to let fear guide your decision-making process, was advice from my girlfriend. Create your own luck is based on my friend Michelles advice to create your own certainty. Again: Target one hundred words exactly. Itll force you to spend time thinking and editing and being introspective. As you can see, I paid an artist friend to create a pretty letterpress poster of my 100-word philosophy, which Ive hung on the wall here at home. I look at it every day. Obviously, you dont have to go that far. Your Original Self This next exercise, which comes from Barbara Shers Wishcraft, sounds hokey at first. Turns out, however, that its a lot of fun to complete. Heres how it works. Set aside about half an hour for quiet contemplation. (Theres no writing involved in this exercise only thinking.) Let your mind wander back to your childhood. Remember what you used to do to have fun especially those times you especially treasured. When you were allowed to daydream or do whatever you wanted, what did you choose to do? Try to answer these questions: What sorts of things attracted and fascinated you when you were a kid?What sense smell, sight, hearing, taste, touch did you live through most? Or did you enjoy them all equally? What kinds of sensory experiences do you remember best?What did you love to do (or daydream about), no matter how silly or unimportant it might seem now? Did you have secret aspirations and fantasies that you never told anyone about? After thirty minutes of unstructured reverie, ask yourself a couple of questions. First, do you feel like theres a part of you that still loves the things you loved as a child? What do you miss most? Next, ask yourself what talents or abilities these childhood dreams and passions might point to in the present. What can you do today to reconnect with some of who you were as a kid? As I mentioned, I enjoyed this exercise. Although you dont have to, I wrote down what I liked as a kid: When I was a kid, I loved the outdoors. I loved to run and play outside. We lived in a small trailer house but were surrounded by acres and acres of land. We had freedom to romp across the fields, explore the nearby woods and orchards, and to browse the banks of the creeks. My favorite family vacations were those that involved camping. (Unfortunately, there werent many.) I loved looking at the insects and the plants. I liked digging in the dirt. I liked finding bones and rocks and shards of glass. I enjoyed playing games outside tag, dirt clod fights, whatever. I especially liked building forts. I liked going down to the big tree and hanging out under its branches. Yes, theres still a part of me that loves this sort of thing. I think thats one of the reasons Ive come to treasure the morning walks with the dog. Its an opportunity for me to explore the same stretch of ground over and over and over again. I truly enjoy watching how the woods and fields change a little every day. And thats probably one of the big reasons I enjoyed the RV trip. It forced me to connect to the world outside in a big way. What talents and abilities might this interest point to? Im not sure really. Who Do You Think You Are? This activity is short but effective. On a blank piece of paper, spend 5-10 minutes answering the question: Who do you think you are? How would you describe yourself to a total stranger? Be objective. What are most important characteristics that define your identity? There arent any right or wrong answers here, and theres only one rule: Dont overthink this. Put down the first and surest answers that come into your head, the ones that make you say, This is me. [This exercise also comes from Wishcraft.] Focus on Five Well explore the next exercise in greater depth next week when I write about goals. Youll find a version of this in nearly every book on productivity or positive psychology. This version is taken from Angela Duckworths Grit (which in turn borrowed it from billionaire Warren Buffett, who may have taken it from Alan Lakein). Heres how it works: Write down a list of your top twenty-five goals (or more). This might seem impossible at first, but give it a try. List all of the projects youre currently working on, both at home and at work. List all of the things you want to do but feel like theres no time. List at least twenty-five. More is beter.Next, review your list. Which goals are most appealing? Do some soul-searching it doesnt matter how and narrow the list to the five highest-priority objectives. Just five. Circle them (or copy them to another piece of paper).Lastly, look at the goals you didnt circle. These you avoid at all costs, writes Duckworth. Theyre what distract you; they eat away time and energy, taking your eyes from the goals that matter more. Harsh but true. If you need help prioritizing your goals it can be tough to sort through so many! rate each one on a scale of 1 to 10 based both on how interesting it is and how important it is. Then multiply those numbers together. For instance, if one of your goals has an interest rating of 9 (very interesting) and an importance rating of 3 (not that important), its score would be 27. Compare the scores. Higher is better. Duckworth says that she would add a fourth step to Buffetts exercise. Ask yourself: To what extent do these goals serve a common purpose? The more closely aligned your top five goals are, the better youll be able to focus on your passion (or purpose). When I write about goals next week, Ill ask you to do a different version of this exercise drawn from Sonja Lyubomirskys The How of Happiness. A Letter to the Future Heres another exercise thats common in self-help manuals. Youre going to contemplate and describe the personal legacy youd like to leave in this world. Think about how you want to be remembered by your grandchildren or great-grandchildren. (If youre childless like me, youll have to pretend.) In the form of a first-person letter, write a summary of your life, values, and accomplishments as youd like them known to your descendants. Pretend like youre near the end of your life and want to share the greatest hits version of your personal story for posterity. One common way to approach this is to pretend youre writing your own obituary. In The Seven Habits of Highly Effective People, Stephen R. Covey offers the following variation: In your minds eye, see yourself going to the funeral of a loved one. Picture yourself driving to the funeral parlor or chapel, parking the car, and getting out. As you walk inside the building, you notice the flowers, the soft organ music. You see the faces of friends and family you pass along the way. You feel the shared sorrow of losing, the joy of having known, that radiates from the hearts of the people there. As you walk down to the front of the room and look inside the casket, you suddenly come face to face with yourself. This is your funeral, three years from today. All these people have come to honor you, to express feelings of love and appreciation for your life. As you take a seat and wait for the services to begin, you look at the program in your hand. There are to be four speakers. The first is from your family, immediate and also extended children, brothers, sisters, nephews, nieces, aunts, uncles, cousins, and grandparents who have come from all over the country to attend. The second speaker is one of your friends, someone who can give a sense of what you were as a person. The third speaker is from your work or profession. And the fourth is from your church or some community organization where youve been involved in service. Now think deeply. What would you like each of these speakers to say about you and your life? What kind of husband, wife, father, or mother would you like their words to reflect? What kind of son or daughter or cousin? What kind of friend? What kind of working associate? What character would you like them to have seen in you? What contributions, what achievements would you want them to remember? Look carefully at the people around you. What difference would you like to have made in their lives? Make no mistake: This can be a powerful exercise. Tear-inducing, even. Thats okay. By thinking about how youd like people to remember you in the future, after youre gone, you can take steps to align your present self and actions with that ideal vision. 20 Things You Like to Do Heres another exercise from Barbara Shers Wishcraft. She says she borrowed it from Sid Simons Values Clarification. To begin, list twenty things you like to do. You must come up with twenty. Thats the only rule. Dont cop out and make a list of four things you like to do. Or twelve. List at least twenty. (You can write down more, if you like.) Now youre going to make a chart. Take a fresh piece of paper. Down the left side of the page, in the first column of the chart, copy your list of twenty things you like to do. (The order is completely unimportant.) Now, across the top of the page create 8-10 columns. Label them like this (you might have to write tiny): How long since you last did this activity? Free or costs money? Alone or with somebody? Planned or spontaneous? Job related? Physical risk? Fast-paced or slow-paced? Mind, body, or spiritual? Feel free to add other categories that occur to you. (At home or in the world? Spouse likes also? Enjoyed a decade ago? Whatever. Its your list.) Now go through your chart and fill it out for each of your interests. What patterns emerge? What do these patterns tell you about your self and life? To illustrate what this chart ought to look like, I did the exercise myself. It was enlightening. And it took me longer to complete than I expected. I could come up with sixteen things I like to do, but expanding the list to twenty was tough. Heres a screenshot of my list. (Because Im a nerd, I used a spreadsheet instead of a piece of paper.)

Kind of sad (and hilarious) to note that this list is in the order I thought of things. So, that means computer games came to mind as something that I like to do before sex did. Yikes! Looking at my list, it seems like I do a pretty good job of doing the things I like to do. Not perfect but good. Theres also a good balance of free activities vs. activities that cost money, and an even divide between social and alone time. But its clear that most of the things I like to do are spontaneous, not work-related, mental, and most of all slow. The only activity on my list thats truly adrenaline-inducing is riding my motorcycle. Who Do You Want to Be? This exercise is based on a conversation I had with my friend Tyler Tervooren. On a blank piece of paper, make a list of qualities and habits youd like to develop. Do you want to ride your bicycle every morning? Do you want to be more patient with your children? Do you want to be more helpful to your co-workers? Do you want to read the Bible every day? Do you want to drink less alcohol? It doesnt matter what order you write these in. Take as long as you need to make your list. When youve finished, reframe each item using the following format: I am the kind of man who [blank] where [blank] is the habit or quality youre trying to develop. (And obviously, if youre a woman please reframe each of these as I am the sort of woman who [blank].) For example, if you wrote down that youd like to get in the habit of waking 10,000 steps every day, you might reframe that as: I am the kind of woman who walks 10,000 steps every day. Or, better: I am the kind of woman who walks everywhere she can. If one of your aims is to talk less about yourself and pay more attention to others, you might write: I am the kind of man who listens first and talks second. Im genuinely interested in what others have to say. Now copy each of these sentences onto an index card one for each habit. Place these index cards by your bedside. Every morning when you wake up, train yourself to look at these cards first thing. Read through all of them to remind yourself of the habits and qualities youd like to develop. Finally, choose one to make your focus for that day. Keep it in mind as you go about your normal routine, and do your best to live up to the affirmation. Tyler says this habit helped him make real and lasting changes to his life. He built new habits to replace some of the tendencies that had been giving him trouble.

Who You Might Have Been Imagine you grew up with all of the resources financial, emotional, educational you could have possibly wanted or needed. Your interests were encouraged and fostered. You had help and encouragement in all that you did. You werent limited by time or money or location. In a perfect world, what do you think you would be doing now? What would you already have done? What kind of person would you be? Think big. Be as extravagant and far-fetched as youd like. Whats the one big dream you would have pursued if everything had gone your way? If you really would have wanted to become President, then say youd be President. If you would have become a movie star, say youd be a movie star. Dont hold back. Let your imagination fly free in whatever direction it desires. Dont pull any punches. Answer truthfully. Describe what this ideal life might look like. [This exercise also comes from Wishcraft.] The Ideal Schedule In David James Duncans The River Why, Gus, the main character, decides at a young age that in an ideal world he would fish 14-1/2 hours per day. Hes still in high school when he formulates the following plan: The Ideal 24-Hour Schedule sleep: 6 hoursfood consumption: 30 min. (between casts or while plunking, if possible)school: 0 hours!bath, stool, etc.: 15 min. (unavoidable)housework and miscellaneous chores: 30 min. (yards unnecessary; dust not unhealthy; utilitarian neatness easily accomplished)nonangling conversation: 0 hrs.transportation: 45 min. (live on good fishing river)gear maintenance/fly-tying/rod-building/log-keeping, etc.: 1 hr. 30 min.fishing time: 14-1/2 hrs. per day! Then, in true money boss fashion, Gus brainstorms ways he can pursue his purpose: Ways to Actualize Ideal Schedule finish school; no college!move alone to year-round stream (preferably coastal)avoid friendships, anglers not excepted (wastes time with gabbing)experiment with caffeine, nicotine, to eliminate excess sleepdo all driving, shopping, gear preparation, research, etc. after dark, saving daylight for fishing only Result (allowing for unforeseeable interruptions): 4,000 actual fishing hrs. per year!!! I love it. (And I intend to use this example in future talks, so be prepared.) Gus knows his purpose and by brainstorming his ideal schedule, hes able to figure out ways to put this dream into action. In Wishcraft, Barbara Sher suggests a similar exercise. Heres how it works. Grab paper and pen. Seclude yourself somewhere quiet. Close your eyes. Imagine your ideal day. Imagine a day that would be perfect if it represented your usual days not a vacation day. Just a regular, average day if your schedule were ideal. Spend a few minutes visualizing what such a day would look and feel like. Once your ideal schedule begins to become clear, write down what its like in the present tense and in detail from getting up in the morning to going to sleep at night. I might say, for instance: I wake up at 5:30 already in my gym clothes. I grab a piece of fruit, hop on my bike, and ride to the gym. I do an hour of Crossfit. I ride home, grab the dog, and take her for a walk. When we get back to the house at around 8:30, I spend four hours writing about money. And so on. As you write about your ideal day, think about the following: Whats the first thing you do when you wake up? What do you have for breakfast? Do you make it yourself or does somebody bring it to you? Do you take a long, hot bath? Or do you take a cold, bracing shower? What clothes do you wear? How do you spend your morning? How do you spend your afternoon? How do you spend your evenning? At each time of the day, are you indoors or outdoors? Quiet or active? With people or alone? As you envision your ideal schedule, focus on what, where, and who. What are you doing? What kind of work? What kind of play? Dont limit yourself. If youd like to sing or sail but dont know how, in this fantasy you do know how.Where are you? What kind of place, space, and situation? Are you on a farm in rural England? In a New York office building? On a sailboat in the South Pacific? In a fully-equipped workshop? Again, youre not on vacation. Youre imagining a normal day but an ideal day. Where are you?Who are you with? Who do you work with? Who do you live with? Who do you talk with? Who do you sleep with? Maybe its the same people you work and sleep with already. Maybe its somebody else. Let your imagination go. Dont put down only what you think is possible put down the kind of day youd like to live if you had absolute freedom, unlimited means, and all the powers and skills youve ever wished for. Note: Before (or after) you complete the ideal day exercise, you might find it useful to figure out how you actually spend your time right now. For that, I suggest performing a week-long time inventory. On the advice of Paula Pant, I tracked my time last summer and it was very enlightening. It helped me see where I was frittering away my minutes and hours. For more info and instructions on doing a time inventory, visit Laura Vanderkams website where you can grab free downloadable PDF forms and spreadsheets to help track your time in fifteen-minute increments. What Color Are You? This exercise from Wishcraft is for the more right-brained artistic folks. You analytic engineer types might not like it. (On the other hand, it might be good for you to actually complete it!) Heres how it works. Choose a color that represents you. It might be your favorite color or it might not. It ought to be a color that, at this moment, feels like you. The best way to do this is to have an array of colors in front of you. If you have a box of crayons, go get it. If not, heres a page with a bunch of colors. Youre now going to role-play that color. You are going to pretend you are that color. Youre going to think like that color, speak like that color, act like that color. Take a sheet of paper. Write: I am red or I am orange or I am carnation blue. Do not say I like blue because or I think blue is. For the rest of this exercise, you are that color. Now, in a few sentences to a few paragraphs, describe what qualities you have as that color not as yourself. For instance: I am dark blue. Im quiet and deep like the ocean. Or: I am yellow. Im bright and cheerful, intelligent and warm. There are no right answers to this exercise. If youre black, be black! I think Suzanne Vegas Small Blue Thing is a great example of what you might do with this activity. [embedded content] What color am I? Im orange, of course. The 14-Word Description This exercise comes from my friend Amy Jo. Several years ago, she did a photo project in which she took portraits of people she knew. Before each session, she asked the subject: What are the fourteen words that best describe you? For our purposes, I want you to brainstorm as many words as possible to describe who you are. You should come up with a minimum of fourteen, but its better to brainstorm more. Dont ask others to describe you. Your aim here is to describe yourself. How do you see yourself? If you come up with more than fourteen words to describe yourself, narrow the list to only the fourteen that fit you best. Lastly, for each word write a short sentence that describes why you chose it. For instance, if one of your words was athletic, your descriptive sentence might be, I enjoy playing sports and being outdoors. Here are the fourteen words I chose to describe myself six years ago. (Theyre all still accurate.) Adventurous I love to try new things.Creative I love to make new things.Curious I love to learn new things.Evolving Im a different man today than I was yesterday.Independent I make and act on my own decisions.Intelligent I am smart.Playful I like to joke and jest.Positive I look on the bright side.Resourceful I search for ways to get things done.Sociable I enjoy the company of others.Tenacious I pursue my goals with vigor.Unguarded I share myself freely, and I accept the word of others.Versatile I am good at many things.Zealous Im passionate about my friends and hobbies. Heres one of the portraits from our 14-words photo shoot. I look so serious!

When I gave Amy Jo my list, she made an interesting observation. When adults do this exercise, their words are always positive, she told me. But when kids do it, they describe themselves using both positive and negative words. Its as if theyre more aware of their shortcomings or at least more willing to admit them. Three Questions about Life Planning Last of all, heres the exercise I use most often. The father of the life-planning movement, George Kinder, is a certified financial planner and the author of The Seven Stages of Money Maturity. To identify and clarify your direction in life, Kinder suggests thinking about three hypothetical situations: Imagine that you have enough money to take care of your needs, now and in the future. How would you live your life? Would you change anything? What would you do with the money?Now imagine that you visit the doctor and she tells you that you have 5-10 years left to live. She says that you wont feel sick, but youll have no notice of the moment of your death. What would you do in the time you have left? Would you change your life? How?Finally, imagine your doctor shocks you with the news that you only have 24 hours left to live. If you only had a day remaining, what dreams would you leave unfulfilled? What would you wish you had finished? What would you wish you had done or been? What would you have missed? These questions which are based on the work of time-management guru Alan Lakein are powerful tools for figuring out what you want out of life. If you take the time to really ponder them and answer them honestly, they can help you clarify your personal values and set meaningful goals. Over the past five years, Ive shared this exercise with hundreds of people. Many who took it seriously have written to tell me it changed their lives. It changed my life too. Maybe itll change yours. Recommended Reading In this article, Ive done my best to credit sources. A couple of these exercises are my own the hundred-word exercise, for instance but most are not. Most are borrowed from books. But there are plenty of excellent books out there that can help you figure out what you want out of life even if they dont ask readers to fill out forms our meditate on whats important. Victor Frankls classic Mans Search for Meaning, for example, is a work that almost everyone refers to. Its a ground-breaking short book about how to find purpose even under the worst circumstances. But it doesnt contain any reader homework. Here then are a few of my favorite purpose-related books. You might like them too: To my mind, however, the best book on this subject is relatively new: Angela Duckworths Grit: The Power of Passion and Perseverance. This was my favorite book of 2016. If I could make it required reading, I would. Its that good. Ive listend to the audio version nearly a dozen times (including yesterday during my 21-hour trip home from Florida). Grit is dense with information and ideas. Duckworth makes a convincing argument that passion and perseverance or, in Money Boss lingo, purpose and patience are the best predictors of success. If you can hone in on a single top-level purpose then doggedly pursue it, your life will be filled with meaning and happiness. Great stuff. I hope to publish a review of the book sometime soon. As I said at the start, your purpose is your compass. Its your mission. Its what gives your life direction and meaning. To support your purpose, however, youve got to set up a personal action plan built around a hierarchy of goals. Next week, Ill share some thoughts (and exercises) on how to set goals and structure life to pursue your purpose. How do you put your personal misson statement to use? Well talk about that in just a few days. In the meantime: Tell me about your purpose. What is it? Do you have a personal mission statement? Which of these exercises do you find effective? Are there others that are better? Shares 298 https://www.getrichslowly.org/finding-purpose/

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weannoyingbouquetgalaxy-blog1 · 7 years ago

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Is my health insurance tax deductible?

"Is my health insurance tax deductible?

I worked for 4 different employers in 2012. I was a full time W2 for two and a contractual W2 for 2. When I lost my full time W2 job in January I bought my own health insurance. Then I contracted for about 8 months (W2). They offered my insurance but mine was less expensive and better coverage. Then I got a full time W2 job and opted out of their health insurance because my private coverage was better and cheaper. At what points, if any, was my health insurance tax deductible? From what I read it never was because I was always offered it by my employer.

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

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Insurance price on 2001 Eclipse?

Im a 17 year old driver, so instantly high lol, but its an automatic 2 door eclipse but only 4 cylinder and automatic transmission. What would you think the insurance be and how would that compare to lets say... a honda civic""

Car insurance question..please help.?

Can someone be able to have car insurance in the state of new york and have the registration in someone else's name? Ex: Car insurance by the name of Jane Doe, and Registration by the name of John Doe. Please let me know..thank you.""

Short-term car insurance?

Im looking for a company that will do short-term (preferably 3 weeks but a month is fine) car insurance for a 17 year old male with a provisional licence, can anyone recommend one?""

Question on auto insurance?

I am quite new to owing a car and getting insurance, when obtaining quotes what are some of the questions that you ask the insurance agent? Also, are there different policies that cover if your vehicle is stolen or does this come in the standard policy? Any other useful info that anyone could provide will be appreciated. Thanks.""

Car insurance on a pergeout 307 new driver? UK ONLY.?

i turned 17 in march.i have yet to pass my test but wish to look at quotes for insurance. its a 5 door 1.6 and 5 doors. who knows a cheap car insurance site for me and with prefernce to someone you know having it from there? before you say i have tried comparison sites and they are no use.

TERM LIFE INSURANCE IN NEW YORK?

any companies offer no exam life insurance for residents in nyc? $50,000 or more.""

Is Car Insurance quotes race-specific?

Where I live the 'minority races' and immigrants I asked how much car insurance they are paying because mine seemed steep were paying very little compared to me for the equivalent car - even though theyre new drivers. I have a clean licence since 1987. Are they less likely to have accidents? I dont believe this some of them only their God is keeping them from having accident. Or is to charge them too much being racist so we have to pay more insurance for them?

Should I continue to pay my car insurance?

I've been paying car insurance for a car that has been with a mechanic for the past 7 months. In order to get my car back I have to pay $900.00 USD. Should I cancel my car ...show more

Does anyone know of a health insurance company that pays the Medicare B premium?

I live in the formerly great state of California. A friend has her Medicare B insurance premiums paid by her insurance company. She was employed by a school system in California. Is there such a plan for non-school retirees? My current insurance says everyone must pay the Medicare B premium.

Best affordable medical insurance for surgery?

My boyfriend needs open brain surgery but does not have any insurance. What is the best affordable insurance andd can we be on the same plan without being married or related?

Car insurance- insurance not renewed.?

A month ago my car insurers send a letter saying my policy wouldn't be renewed when it ends in November. reason, there weren't dealing with the agency. now I have two cars, one having abs problem so wasn't driving it but was paying for both. Am getting a new insurance company but wouldnt add the problem car till I get money to repair it. its not driven and want to save that wasted money to repair it. Am I right.""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

Ive been offered Traders Car insurance for 1800 a year?

Hi im 18 and have been offered traders car insurance online for 1800 per year or 900 for 6 months. Is this likely to be legit I can pay through PayPal and I know alot of people drive on Traders insurance nowadays. Also the AskMID database, how up to date is this and what information does this website provide""

Will a car thats registered as non op and has a salvaged title cost more for insurance?

What is the cheapest car for a 17 year old to have?

So I'm 17 and just got my drivers lisence! Woo! I'm trying to find what the cheapest car to have is? Like to buy, insurance and maintaining all together of you get me?""

Is my health insurance tax deductible?

Car insurance so unfair?

I am 18 and I know the prices are a joke, all I want is a 1.6 astra 2007 and I have to pay 10 k to get insured.Over in the US and over countries kids get massive jeeps, why is it over here, most people can't even afford a 1 litre corsa. Pisses me off that I get tied in with the same brush because of my age, surely can they charge a ridiculous price such as 5k and give you half back if you don't crash? they will still be profiting massively, as my dad pays 280 a year. If i want to suceed in life, I think i'm best leaving the UK, they just want everyone to use public transport and don't want people to have the luxury of driving a car. Anyone else agree ?""

List the 5 conditions that must be met by populations to insure stability (no evolution).?

How much would insurance cost for a 16 Y/O Girl with a 1997 Nissan Maxima GLE?

I'm buying a Maxima and I'm turning 17 in February. I plan on getting the car on the road next month and I have a 10% discount from my driving school for taking drivers ed. How much would insurance cost (roughly) per month for a 16 year old girl with a 1997 Nissan Maxima GLE?

Car insurance company may be lowballing me?

someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!""

What cars are cheap to insure for 17 year old male like myself?

I have my practical in March, crossing fingers I pass so I thought now is an appropriate time to start looking for a car which is cheap to insure.""

Insurance on a 2004 lamborghin gallado?

how much would it cost a month for insurance min to max and what do you pay for insurance

BEST AFFORDABLE MEDICAL INSURANCE FOR NEWLYWEDS (NO KIDS)?

HUSBAND MAKES MORE, SO NOW NO LONGER QUALIFY FOR MY INSURANCE. WHICH IS THE BEST INSURANCE FOR PEOPLE WITH NO KIDS, AND WHICH IS THE BEST WHEN WE DECIDE TO HAVE KIDS? AND WHY? THANKS SO MUCH, THIS IS A PAIN IN THE REAR...""

Insurance for old work ute?

Hey guys, I have just bought a old 95' toyota hilux ute nice and cheap and im not too worried about insuring the actual ute as its only costed me 2000 and market value is 4000. Just looking for some advice on types of insurance. I obviously would like 3rd party and im not sure if i should bother with covering my tools. Usually my boss brings all the tools, obviously i bring a small amount but never a trailer full. What is the best insurance company for this and what would be a good price for me to look at. Thanks :)""

How much does high risk auto insurance cost?

""What agency will investigate fraud, abuse or illegal activity in government medical insurance programs?

And how will the Judicial system be made affordable for persons who are living in poverty?

Where can i find the car insurance rates by state?

Looking to see how much car insurance rates are for different states.

How much will my insurance rise?

I recently got a speeding ticket for going 9 over in a school zone as well as one for talking on a cell phone in a school zone. I was curious as to how much my insurance will rise. I am 18 and recieved the ticket in Texas. This is my first offense(s). How many points for insurance is a cell phone ticket? Thanks so much!

What is the average price for insurance on teenage drivers?

If I want to insure my teenage driver on my car, how much do you think my insurance would go up? And how much would it cost to insure my teenagers own car? I've heard that insurance is normally lower for teenage girls. Is that true? Thanks""

Are there discounts on insurance for cars that are 25 years or older?

I heard that insurance is very cheap for cars that are 25 years or older. I heard suggestions of about a few hundred per year. Is that true?

Why is my car insurance so high?! Im 18 yr old female...! :(?

no accidenets, good student, 2003 jetta GLS 1.8 Turbo...10/20 bodily injury...compr and coll both $500 deductible.... I'm paying about 284 right now and its ridiculous :(""

""Is insurance on a kitcar cheaper than a standard car,ie,toyota mr2 with ferrari body kit,?""

Is insurance on a kitcar cheaper than a standard car,ie,toyota mr2 with ferrari body kit,?""

Can I change my auto insurance without extra cost.?

I just purchased a vehicle and had to get full coverage insurance. I have been with Safe Auto for over 6months. I changed coverage on 6-24. I have a bill due on July 11. I want to change to a cheaper insurance company would i be able to do this without more charges? Also would I have to pay the bill due on the 11th.

""Hit and run accident, should insurance pay for my auto damage?

Here is my situation that I'm confused about. About a week ago I went to church and parked my car. Next thing I know is that someone was driving stolen (Yukon) car and has hit the ...show more

Do I need a California driver's license to deliver pizzas in California? (Domino's)?

Just interviewed at Domino's and everything seemed to go well, but afterwards I realized my current driver's license is in the state of Nevada and not California (since I am just here attending college). I anyone aware if this will be a problem for insurance issues or something?""

Saw a ins Discount for driving less than 40 miles a day?

Saw an insurance discount for driving less than 40 miles per day to work

Car insurance? Cheap?

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?

Car insurance--rates hiked after filing claim for hit & run?

do car insurance companies hike your rates if you file a claim for someone else doing hit & run damage to you? I've heard stories of car insurance companies doing that--even if ...show more

Health insurance for visitor from india?

Where can I get health insurance for a parent who is undergoing dialysis in India and wants to Visit the USA for a short term. Of course they will need to continue there treatments here while visiting. But we need some kind of assistance while they are here.

Does request of Auto insurance quote have any negative effect ?

My current auto insurance is All State. I am looking for a new insurance of similar policy with lower cost. want to shop online and see if there is better deal. Does request auto insurance quote have any negative effect in my credit ( they need to pull my credit scores, i have a very good one), or any other negative effects. thanks very much!""

What would an insurance company pay for a totalled 2006 Toyato Camery?

Is my health insurance tax deductible?

https://www.linkedin.com/pulse/how-do-i-find-out-what-persons-car-insurance-stephen-fuller"

0 notes

dangerouscrusadefire-blog · 7 years ago

Text

Is it against the law not to have car insurance in Illinois?

"Is it against the law not to have car insurance in Illinois?

My friend just got her liscense but she doesnt have car insurance. She drives her parents' car, n the car insurance is under their name, not hers. But i also know that they do not hvae enough money at the moment to add her name to their insurance. Is this wrong? if so, how wrong? What would happen to her if she ever got caught?

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

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HHEELLLPP!!!!! with TEEN car insurance!!!!?

I would like to either add a 17 year old to an insurance policy or get one specifically for him..... i called geico, but they said they dont insure teens!!! What can i do? THANKS""

Insurance for first time motorcycle driver?

I'm 16, female, & am looking at the Kawasaki Ninja 2009. I would be the primary owner, and I'm wondering whether the color of the motorcycle will affect the rate of insurance as well? Thank you!""

Im a 17 yr old lad what nice car can i get with cheep insurance?

i am 17 and realy into cars, have been for ages. i have a motor bike since i was 16 but now i want a car. and all my freinds no how much i lyk cars, and it wud be so embarasing turning up to collage in a little ford fiesta or old corsa. i can afford a nice car but insurance for even for quite crap cars have been bout 4000 quid. i started off lookin at honda crx del sol cos i realy lyk thm but insurance way too much, so thn i tried looking at old cool looking cars lyk the last mg midget but insurance still to dear, then i heard kit cars have realy cheep insurance so i looked at a gtm rossa which was realy nice but insurance still around 4000. so what car can i get what looks the part but affordable? please help""

UK Only. How much for an category D insurance write off car?

I have a 2004 Ford Fiesta that I need to sell. When I bought it I was told it was a category D write off shortly after it was first bought, it was repaired and passed every subsequent MOT and has regular services. Roughly how much money off a guide price would you take off when selling it??""

Can you cancel your car insurance for a month and the get it back?

I'm going out of state for like 3-4 weeks and I was wondering if there's anyway to stop your car insurance for just that month and then Get it back when I come back without having to pay for it since that's kind of a waste. I have allstate

Car insurance on a 16 year old?

Okay so I'll get my permit in a few weeks, and I really want a Dodge Challenger, or a Camaro. I was wonder, how would the insurance work? How much would it be, and estimate. I know it will be high, but it's going to be high anyways. Could my parents just add me onto their insurance? Would it cost more or less ? They pay about 450 dollars every six months for a Chevy Colorado. I get great grades, and I'm going to take the drivers ed class threw this local college, that should lower the insurance too. Can anyone estimate how much insurance might be for a Challenger or Camaro? Which one would be less do you think? Thanks.""

Confused about insurance...?

forgive me, its my first time..but im confused. My new apartment says i need liability insurance to move in...i already have renter's insurance.......are they basically the same thing?""

Where can I get a cheap health insurance?

health insurance is so expensive... where can I get those health insurances?? especially the cheap one... yea...the best cheap..not the worst cheap

Car Insurance: Insuring myself on a car registered with someone else?

My boyfriend is planning to buy me a car under his name, he doesn't want to be insured on it as he already has his own car. We don't live together, but I am at his house almost all the time. When I get insurance, do I use his address? As this is where the car will be parked most the time and will also be where the car is registered.""

Why does ACA make insurance mandatory?

Does anyone know why the Affordable Health Care Act requires you to have insurance? I could understand an optional government insurance plan if you don't get it through work, but I don't understand why there will be a penalty if you are uninsured. Avoiding emotional responses (for instance: b/c Obama sux), does anyone know the reasoning behind that? An example of the answer I'm looking for would be if you asked me why Americans are required to have car insurance, why aren't we just allowed to pay for accidents out of pocked if we choose to? I would answer by saying that some people would not get insurance because they thought they could avoid an accident, but then get into one and nobody would pay for the other person's car/injuries. Putting the person in jail wouldn't help the victim, so it's better to make everyone have car insurance.""

Why does Allstate keep increasing my insurance rate?

I am 26 years old, in California. I have had Allstate for almost 2 years now, and every 6 months my rate increases. It went up $200+, and I have not had any tickets/accidents/claims, and I have not moved. When I asked them about this, they just said they are adjusting their rates due to zip code. Seems like bologna to me. Has anyone else had this problem? Which insurer do you recommend?""

If you have fully comp insurance & drive somebody elses car & have a bump will it cover damage?

my daughter lent her car to her cousin who has fully comp of her own but she crashed the car will her insurance pay for damage??????????

""If Obamacare is so bad, why is reducing health insurance premiums by 50%?""

New York state residents will be able to get health insurance next year on the Obamacare exchange for half the average price available in the state today. http://money.cnn.com/2013/07/17/news/economy/obamacare-health-insurance-new-york/index.html Contrary to prior claims by conservatives, Obamacare lowers health insurance premiums in California http://www.washingtonpost.com/blogs/wonkblog/wp/2013/05/24/wonkbook-some-very-good-news-for-obamacare/ In fact, in the 9 states that published their 2014 rates, EVERY benchmark plan came in cheaper under Obamacare. http://thehill.com/blogs/healthwatch/health-reform-implementation/306515-obamacare-premiums-lower-than-expected#ixzz2ZQPqwUMT""

HoW much do you pay for health insurance?

Is it affordable? Do you get help from your employer? What is a fair price?

Question about insurance?

Okay So i have two insurance companies that im covered by... One for my car and one for my motorcycle. If I get a speeding ticket are you supposed to report it to both companies or just the insurance that i got the ticket on?

move over law NC; how many points on insurance?

over xmas break i was pulled over under the move over law . i had never heard of this law and was very shocked when i received a $250 ticket (plus court costs) for it. i slowed down but appearently this isnt good enough because there werent other cars around to stop me from getting over. my question is this: does anyone know how bad this is on insurance (the equavilent charge)? i dont have any points on my license so hoping it wont be too bad. that being said, should i just call the insurance and ask? would it be worth fighting the charge? any advice/knowledge would be greatly appreciated! thanks!!""

Definition of insurance?

I want to know of the definition of insurance

Is it absolutely necessary to buy insurance when renting a car?

I am renting a car for 5 days. I'm not sure if my own personal car insurance covers for a rental, but I'm pretty sure it doesn't. Its almost $100 for the insurance that they offer! Seems like a trap. Is it absolutely necessary to purchase it? Thanks""

Auto Body shop quote and Insurance quote?

My insurance adjuster came out and cut me a check for 1,200. The check issued is a fair price.The shop i trust gave me a quote of 1,300 which means I will only have to pay 100 out of pocket. My deductible is 500. Do i still have to pay 500 even though the check will cover most of the expenses?""

Where can i get the cheapest insurance for my car?

""GPS worth $600 got stolen, should I report to insurance company?""

My GPS worth $600 got stolen from my car 2 days ago, as it was parked in front of my house. Should I report the insurance company and if I do will my insurance rate be affected? My GPS carried also the name of the insurance company, I purchased it from them.""

Battle of the car insurance companies?

There has been TONS of commercials of car insurance, its practically a car insurance battle lol. Who will win? Progressive State Farm Nationwide Allstate General Geico 21st century who are you rooting for? Lmao! xD""

""What's the average cost of motorcycle insurance say, if you are 20 years old and live in Los Angeles?""

What's the average cost of motorcycle insurance say, if you are 20 years old and live in Los Angeles?""

Forcing to get car insurance?

Two years ago, my ex and I bought a car under her name. It was registered in her name, and the loan was in her name. The insurance was in mine. We split up, and now neither of us drives the car. She didn't have a license at the time of purchase, and she still doesn't, but I did. The dealer told us that we could get the loan in her name, and register it in mine, even though she didn't have a license. When we got the plates, it was registered in her name. The dealer said that was fine, and it was nothing to worry about. We found out that this is illegal to do in New Jersey. We tried to get the dealer to rectify the situation, but they wouldn't touch it. Now, the car doesn't have any insurance or a registration, and a representative from the bank says that they can force her to get car insurance, even though she doesn't have license. Is this legal? Can a bank force someone to get insurance, even if they aren't even legal to drive in NJ? Please help me with this.""

Do you need motorcycle insurance in Georgia?

do you need motorcycle insurance in Georgia

Is it against the law not to have car insurance in Illinois?

Where can i get really cheap auto insurance. when i turn 18 I am getting my own car and own insurance.?

I don't make that much money probably only about 200-300 dollars a month so I wanted to know where i could get the cheapest car insurance in ME. i don't want to do a car quote now because I am not old enough and I don't actually have my license and a car now but I would just like an average or what around what the cheapest cost is. Thanks

Whats the cheapest car insurance company?

in your opinion?

I can't afford my car insurance...?

I need transportation so I can work. But why should I have to choose between car insurance or food and medicine? Shouldn't the Government come up with a single payer plan for automotive insurance too! Its not fair that I have to pay for this out of my own pocket.

Pulled over with expired car insurance.?

I was pulled over and asked for my car insurance.It turns out it was expired.I didn't notice since I have been up to date with my payments every month and the insurance company never contacted me to remind me. My insurance expired in September. I got a ticket for it. is there something I can do? even if it expired, does it still matter that I kept paying it?""

Will doctors office workers lose jobs now with the new Affordable Insurance law?

Will more people lose jobs with the new law going into effect? How will those people find work now ? Will that add to our debt even more?

""Auto insurance cancelled today, can I go to new company?""

I just got a new car a few months ago and was paying $325 a MONTH for my insurance. Way too expensive. I want to cancel and go to another company (nationwide or all-state) where I was quoted $195 a month. I dont have the money to pay the current insurance $325 for the month, then cancel it (which adds another $90 or so for cancellation fee), and THEN open a new policy with another company for $195. Thats $615 just to switch insurance companies! So, I let my current insurance lapse and it was cancelled as of last night for non-payment. Now, can I open up the new insurance with another company today, then pay off the old insurance in a couple weeks?""

What is the comparison between permanant life insurance and Roth IRA?

Advantages if any Disadvantages if any

Is it true that you don't need insurance on a car registered in New Hampshire?

A friend of mine went to college in New Hampshire. She told me that in New Hampshire the state motto is live free or die and insurance on a car is optional but not required. I'm from New York where people pay out their ears for insurance on cars. I can't imagine that this is true. Is it?

How much is car insurance in Ireland?

Not too sure of location in Ireland at the moment but I am British and planning on moving in the next 2 years. I am 19 year old woman, have been driving for 2 years and wondering what are the average car insurance amounts per month?""

Insurance for my Audi R8?

I'm 18 and my parents have finally bought me the car of my dreams for my birthday! It's an Audi R8, second hand though of course! Anyway I can't wait to get it on the road but need to sort out insurance first, I have 1 year of no claims. The car has a 4.2ltr engine. Could anyone give me a general idea of insurance prices/good companies to go with? I'm not expecting insurance to be cheap but my parents are paying and I just wanted to reccommed them a good company to go with and a guide price so they know. Thanks""

""Car insurance - being a named driver on your dads policy, is this still legal?""

I have just received a quote from more than car insurance as me as a named driver on my dads policy, i have read stuff about fronting and how it can make claims invalid, is it still legal to do this? Thanks, much appreciated""

""Car accident, no insurance?""

I just got into an accident 5 days ago. I still don't believe it was my fault if anything maybe both of ours. Regardless she had minor damage. She was on the phone obviously not paying attention as I was pulling out of the driveway when she was attempting to pull into a drive way across from the one I was pulling out of. So as you can imagine it's hard telling. We both have scratches on our left hand side bumpers but she has a dent that can be fixed. She had her friend with her so it was hard to really even defend myself because it was her word against mine. She called the police, thank God they passed because no one was hurt. They just told her to take down my information and deal with it. She took down my license plate, took pictures, such a drama queen, it honestly wasn't that bad. She has my license number too but when I when I went to call my insurance provider, they said it wasn't renewed. No police report, and she hasn't called me with a quote. How much trouble can I get in??""

How much more expensive is car insurance for a sports car?

I know that car insurance for a sports car is more expensive. But HOW much more expensive? For example, my insurance will change from a 1998 Pontiac Grand Am 4-Door to a 1993 Pontiac Firebird sports car. How much of a difference, in numbers, will it be?""

Cheap insurance for a sixteen year old girl on suzuki 124cc maurder?

living in limerick ireland

What is the average monthly insurance payment on a BMW 1998 323is 3 series coupe?

I'm wanting a buy 1998 323is 3 series coupe with 140,xxx miles on it for only $2,900. It's in amazing condition inside and out. My daily commute is only about 4 miles total ...show more""

Was it wise for me to cancel my car insurance?

I had gotten into an accident. ICBC says it's 100% my fault, and I did just file an injury claim for myself and my family members that were in the car with me. I don't think my car is drivable, but if it is, then it's not worth fixing because I don't have collision and it would cost more to fix than how much I had bought it for. What I did yesterday, was cancelled my car insurance. But I was just talking to someone who told me that it wasn't a good idea to do that. And now I'm doubting myself. Will this be held against me? The person in the other car claimed injury and her car is also damaged. Did I just dig a deeper hole for myself?""

Car Insurance for a Month?

I am going to be at law school and only need car insurance from Mid December until Mid January. Is there a special type of insurance I can get so I don't have to pay year round? The cars will still be covered by my parents the rest of the year.

Does term life insurance have an expiration date? (Other than death)?

Will average insurance cover this?

i have cherry angiomas it isnt deadly or bad. The only way to remove it is to get it lasered do you think average insurance will cover it. If not how much would it cost to get like 3/4 of an inch circle lasered off my skin

Maturnity Insurance? BCBS of Florida?

We are about to begin the process of making a baby and have private insurance threw Blue Cross Blue Shield of Florida. The thing is we didnt sign up for Maturnity care at the begining. We can add it, but will it cover the pregnancy if I didnt get it from the beginning of the policy? I cant seem to find that qustion on thier site so thats why I am asking here. Thanks for all who can be of some help.""

Can a 17 year old get their own medical coverage in California?

I'm 17 and live in California. I was wondering if I am legally allowed to sign up for my own medical insurance, like through MediCal or something, and not through my parents. It's a long story, but neither of my parents are able to provide medical coverage for me. And I'm not emancipated or anything. 10 points best answer. thank you ( :""

How much would it cost to insure a used Aston Martin Vantage?

I have decided to get the Aston Martin Vantage (Used). it is around 34000. My salary is around 30,000 a year. I was wondering if insurance is expensive?""

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.""

How much do you pay for your home owner's insurance?

I am doing a survey and this would really be helpful for me. Please let me know how much you pay for your home owner's insurance. If you pay monthly or yearly. The location of your home. The value of your home. How big your home is. If you have flood insurance. And what you have as your deductable.

What kind of insurance is good and affordable for an 18yr old female and their first car?

Is it against the law not to have car insurance in Illinois?

First car - insurance for modifications?

I have an 03 corsa, 1.2. How much extra would insurance companies charge if i ONLY put on a new front and rear bumper, and side skirts? Its a small car, small engine, it has security (immobiliser) so would it make it go up much? Thanks.""

How much is car insurance?

I am a first time driver, a girl, and I have discounted insurance because I took driver's Ed. How much would it be and how often do you may? (monthly?)""

What is the cheapest moped insurance?

I need help finding cheap insurance for my moped its a KYMCO Agility 50. I have checked all of the most well known comparison sites but the cheapest quotes are 190 for a full year. Any suggestions would be of help.

Should I wait until I am 25 or 26 to start driving a car again? Is it true about Insurance costs? Please read?

Hello, I am 21 and in college. I am in Northeast Illinois. I have not driven a car since I was 17. This is because I did miserably in driver education. I passed the classroom, so technically I passed driver ed, but the driving I failed miserably. My parents won't let me be behind the wheel of their cars again. I talked with a friend of mine recently and she said that the cost of driving insurance in Illinois is dramatically less when a driver turns 25 or 26. I am thinking that maybe I should start driving again at age 25 or 26 so I can keep costs down (especially in a nasty economy like this country has right now). Now, here's the other thing, my dad has cancer (leukemia), he's the one who gives me rides to places, my mom doesn't want to give me rides because she is still angry at me for what I did when I was 17. She said to me You're not driving again, ever. You lied to me. You disobeyed our orders and was arrogant. You're done. I don't care about your behaviors anymore Yeah, she hasn't changed since what I did at age 17. My dad has a had time walking, sitting, standing, etc. He has mentioned a couple of times Its not a bad idea that maybe you should think about driving again, you will have to drive some time, son Then I think about the insurance cost and how much of a hassel it would be. So, should I do it? Should I wait until I am 25 or 26 to start driving again? Should I wait longer? It seems like my mom won't forgive me and my dad has this cancer making it hard on him. I don't know what to do. Thanks""

What would be considered as a franchise of Allstate ? ?

Would it be the actual insurance agent ?

Ive been looking into pet insurance and Im a bit confused.?

Ive been looking into pet insurance and Im a bit confused. When it says: wellness exam (split between two visits per year) $40 vaccinations $30 heartworm test $25 fecal test $15 deworming $20 microchip $20 flea and/or heartworm preventive $50 blood screen or x-ray or EKG $50 Is the dollar amount the price the insurance pays all year or per visit?

""Where can I find good, (and fairly affordable) health insurance as a cashier?""

Hello, I was wondering if anyone knew of a good place to get some good health insurance at an affordable rate? Im almost 30 years old, and I work in a grocery store, and since it is only part time I have no health coverage. I would appreciate any suggestions you might have because I can't afford to keep paying for doctor appointments on my meager salary. Thanks.""

""My friend backed his motorcycle into my car, who's insurance covers it?""

My friend backed his motorcycle out not paying attention and backed into the side of my car leaving 3 deep scratches from the pegs on the side of the bike. Also, the bike and the car were in his driveway. He does not have insurance on the bike, but we both have liability on our cars. How do we go about getting this issue resolved?""

How come health insurance is so cheap ?

Im 18 and need health insurance. I just got a quote from kiaser for a 5K deductible with 6K out of pocket maximum. So basiccly 6 K yearly. And then after the deductible im fully covered. The quite was 80 bucks monthly

Do i have to notify my car insurance company?

do i have to notify my insurance company, if someone hits me from behind and their insurance is covering the damages""

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

Car Insurance for a 17 year old male...?

I am looking for car insurance as I will (fingers crossed) have passed my test by christmas. I need insurance on a 1997 P Reg 1.4L Renault Megane (which I have learned in, so will be buying off my dad) ... either that or it will be a 1.0L - 1.2L probably M Reg 3 door car, something cheap, small and cheap to run. Most places are either refusing to insure me, or are giving me ridiculous prices of between 3500 - 5000. Also, I am getting quotes as though I already have the full licence, and not provisional. I know people of the same age going to these companies with bigger and newer cars getting insured for 2000. Whats going on? U.K. answerers only please :-) Ta. J. X""

How much would car insurance cost for me if I got a car?

I'm 22 years old and have been driving since I was 18. Never got pulled over, a ticket, or in any accidents since I've been driving. Been on my moms insurance since then but I'm looking into getting my own used car and just curious as to how much it would cost for someone like me.""

Can anyone tell me about selling insurance as a career?

A friend of the family sales insurance through State Farm. He has offered to mentor me and show me the ropes in the insurance business. I know absalutly nothing about insuarance. Is ita good career? Is it difficult to do? How much money do you make? Im in California. thanks

Am I allowed to do this with my car insurance?

I am 22 and am on my father's insurance policy. My rates started out as only 30 dollars and increased to 50 bucks. They said that the reason my rates increased was bc I was added as a driver of the vehicle. I was wondering, if I were to get my father to take my name off as a driver and just list him would my rates go back down. Also what would happen if i got into a car wreck and my name was not listed on the insurance. I am just trying to keep my insurance down as I am in college and cannot afford it if it keeps increasing. Thanks""

What is the major advantage of term life insurance over whole life insurance?

What is a good name for insurance company?

Since Obama wants to make the health insurance mandatory. I thought that the only way to survive in the USA, is to start my own insurance company. Please help me to come up with the name.""

How much does learning to drive cost roughly?

how much do driving lessons + car (800 - 1000) + insurance etc cost??? thanks :)

How to fill out insurance quotes?

Ok first I'm going to explain the situation. Since I was 17 I drove with a licensed driver, and with my permit. When I was 18 I got a ticket for Under 21 drink and drive. It's a petty misdemeanor on my record, and I only got my permit suspended for 30 days. Just two days ago I got my license and passed my road test, I'm 20. I have a car picked out to buy so I've been looking into insurance quotes. However my ticket was never for a DUI and they never give me the option of what my ticket actually was. How do I go about this? Does it count? The quotes I've gotten back are 150-220 a month. Can someone help, or recommend an insurance company. I also qualify for driver's training discount, and good student discount.""

Is Safe Auto cheap car insurance?

Especially for a driver who is 18.

Is credit used in determining health insurance rates?

I am licensed in GA for property & casualty insurance, so I know credit is used to help determine rates for auto & homeowners insurance, but it is considered in health insurance?""

What would be the best liability car insurance for me?

I just turned 17, I live in Alabama. I have had liability insurance before but i was on my dads. now i want to get my own. but when i had insurance before with State Farm i had to have it turned off. Now i need to know which company with liability would be best for me. I did get one speeding ticket before when i had insurance but that was like 6 or more months ago. Now im in Drivers Ed at school so i should get the insurance discount for that. So what would be the best and cheapest insurance for me. And will there be any fees or anything form me getting it turned off before?""

Can you help me wit this maths question please?

Greg sells car insurance and home insurance Car insurance 200 Home insurance 350 His basic pay is 530 And 5% of each car insurance sold And 10 % of each choke insurance He sells 6 car insurance And 4 home insurance What is the total amount of money Greg earned in may ?

""How many billions will obamcare cost to insure the poor ,the crack heads the people who can't afford it?

how much is the fine if you can't afford to buy obamacare

Individual medical insurance plans?

I am getting ready to go into a contracting position and there is no medical insurance provided meaning I will have to supply the insurance for my family. Does anyone do this, and is the insurance deductible on the taxes? I am living in Indiana and the plan would cover 4 members including myself.""

Is it against the law not to have car insurance in Illinois?

If I can't afford the affordable care insurance how do I know what the penalty is for not subscribing?

Can a Judge Verify that You Have Auto Insurance While in Court?

If you show your proof of insurance to the judge how will he know there wasn't a lapse or if you have stopped paying? State of California.

Ii need a dentist with no money or insurance. ?

Hello every body how u doing? Me I'm good i just have a real deep situation i need help with. Okay I'm 33 year old female I'm here in san diego. I have had a rough life. Im n need of answers for dental. I haven't been to the dentist in years i need work. Its been so long and I'm inbarest to open my mouth. I'm not working and i have no money saved up. I live with my mom and brother which receive ssi so my momma and brother help me. And i have no insurance. I really need to smile again i don't kw where to start every thing neg shuts me down. So is there any answer for me.

Switching car insurance...?

my car insurance policy expires in March and I have full coverage. I had full coverage because I was financing my car. I recently paid it off and would like to switch to a lesser coverage. Can i do this before my policy expires in march or do i have to wait??

Which auto insurance do you recommend?

I had a Scion XA 2006 and I just got a MINI Cooper 2007. I was insured under my parents insurance at AAA but with the change of cars our insurance would increase twice as much. I'm going to leave their policy and open my own. I'm 22 and I'm a full time student (GPA 3.5), which insurance do you recommend? I have road side assistance with AAA.""

Need cheap no-name insurance companies for motorcycle insurance?

Well, i live in Florida where motorcycle insurance is not required at all. But I need comprehensive insurance at least (and maybe liability too) so that I wont have to cry over a stolen bike after a week of purchase. I'm buying this bike in cash (2008 ninja 250R) and still big insurance companies like progressive and geico will charge me a thousand bucks a year for liability and comprehensive coverages alone. So, I need to know the names of some small insurance companies who wont use their big and flashy names to jack up their prices. please help. I dont wanna pay 1000 bucks a year for a 3500 dollar bike. Thanks.""

How much is car insurance for a 16 year old girl ?

Im about to get my license and i was wondering how much insurance would be. For a 16 year old girl 2011 camry or corolla. Anyone wanna guesstimate ?

Motorcycle Insurance with DUI?

I am planning to buy my first motorcycle in few months, probably a Nighthawk or Ninja 250. But as I was searching for a Insuarnce it seems like with my records noone will take me. I have a DUI record and a at fault accident 2 and a half yrs ago and I am 23yrs old female. So far no luck with Inusrance company....pls help.. Thnx""

California earthquake insurance?

Looking for other Californian's out there that have earthquake insurance and about how much it costs per year.

Can the insurance company find out you are not a full time student?

ok, the thing is, in my school, you need be taking at least 3 credits per semester to be a full time student. i was taking 3 early september and i got proof of enrolment for my dad ...show more""

Do you need car insurance for a primary car in the state of NJ even if you plan on using someone else's?

Hi, I am a probationary licensed driver in the state of NJ, and since I live with my mom, I was told by an insurance company that I need to have insurance on my mom's (primary) ...show more""

How much would insurance cost for a 2007 mustang?

I'm 16 and an A-B student. it would be on in my parents name with me as a primary driver. its a blue mustang gt 2007

Where can I find the cheapest car Insurance in NJ?

I trying to find insurance that is not not less expensive does someone know where I can go to get this?

What company would provide shipping insurance?

I want to sell some jewellery on Ebay and I will end up shipping it to Canada or US. Canada post offers a maximum insurance of $500. Which (if any) company would provide insurance at replacement value? Or at least a $1,000?""

Car insurance stuff i don't understand.?

Hello everyone, I am an international student who's been in the USA (Buffalo, NY) for the past 2 years working hard on my masters (i'm 25 now). I bought a POS Saturn last year for 2000 dollars and, well, for that i needed to get car insurance since it's mandatory in this country. Since i was from abroad and i had a learner's permit at the time, i had to get insurance with my international license. Progressive was my only choice so i paid around 700$ for 6 months. That's the rate I've been paying for the last year. Unfortunately, i just don't have the money anymore to pay 700 more dollars for the next 6 months. I tried different insurance companies but they are all around the same range. Apparently, i was stupid enough to not get a credit card as soon as i landed in this country. I was raised with the if you don't have money, don't spend it philosophy so i just used my debit card. This is the only reason that i can see for these absurd rates. Every single one of my friends ( all international students ) pay around 200-250/six months dollars for their pieces of crap cars. I just feel like i'm not being given a fair deal. Not having any credit might put a penalty on me, i understand somewhat how a capitalist mind works... let's say about 100-150 more dollars for 6 months, but a whopping 500 $ ? Don't you think it's kind of messed up that first of all it's mandatory, and then there's no baseline to at least make sure that noone gets ripped off. Is there any way that a person can inquire why he is being charged so much(instead of the bs the agents tell you i.e your area is bad etc.)? Or are you at the mercy of these people?""

Life insurance question?

lets say i want ten policy's worth 750,000 each why would this be a problem as long as u had the money to pay the Premium and you tell each company the truth.....""

Motorcycle insurance help?

Hi, I am 16 years old with no road or driving experience ever, I want a transportation from my house to school, and an all around commuter, I wanted a car, but I know I cant afford one due to gas and insurance. Now I am thinking of getting a motorcycle, theres alot here for sale like a 2006 GSXR600 for only $5,500. Now I can afford the bike, I can pay the monthly payments if I get an after school job, but my problem is insurance, how much might be my insurance for maybe a 2006 GSXR600, I heard it is expensive because its riskier but motorcycle cause less damage, can anyone like guesstimate or estimate or just give a guess of how much will be the cheapest insurance for a 16 year old with no road experience at all here in California? thanks""

How would insurance be on these cars?

first of all plz dont tell me call insurance or that im to young and dont need these cars and should get a camry. i just turned 17 and just got a job at In n Out and by my senior year in highschool which is after this summer i want to get a car and my parents would help me but everytime i ask them they say dont talk about it untill you have 2500$-_- so i was just wondering how much is insurance on these cars i have in mind, first, nissan 350z(any year) honda s2000(any year) mazda miata(1998-2004) and last a scion tc (2004-2008) the car will be under MY MOMS name and i will be put as an additional driver but not main driver or however you put it. can i just have the price ranges it doesnt have to be exact, if it help i live in califronia Orange county anaheim thanks guys""

What is the cheapest van to insure?

Ive just passed me test (finally, at 21) and i havent had a car or van insurance quote under 1900.... The cheapest ive had is a peugeot partner pre yr 2000, even smaller fiestas and ka vans are 2000+ are there any vans out there at prices that arent gonna cost me 190 a month""

Can i get my MOT done without insurance?

My car needs an MOT and right now its on a SORN because im waiting for my paycheck so I can get insurance, my question is as follows: i know that you need an MOT before you can insure your car but to get my car to its MOT I would have to have it insured? How does this work? can i drive to the garage without insurance and get away with it or is there some special policy I need to take out? Please help.""

How much would i pay for car insurance? Estimate?

I know that it depends on a lot of factors but can you estimate how much i would pay for car insurance on a monthly basis - I am 18 years old - will be driving either a 1999 or 2000 model - will be attending college after the summer - clear background - this will be my first car - I live in a very wired and exotic place called MARYLAND

Can I still use my provisional car insurance?

I passed my test today, but my mum won't let me alter my insurance because she says I can still use my provisional insurance, as long as I have somebody in the car with me and don't go on motor ways . Is this true, or do I need new insurance?""

Where can I find the cheapest insurance for young drivers?

I am looking for the cheapest insurance for young drivers in United Kingdom. I am 18 years old and I am planning to buy a car. I have been looking for an insurance for Golf Mk 4 1.9 TDi which costs up to 3000 but the cheapest insurance I could find was also over 3000 up to 5000. Tell me the cheapest you know, please.""

Cheap Car Insurance companies fo 17-20 year olds?

hey im 19 and just passed my driving test, and i can not find vheap enough car insurance, does anyone have any suggestions? thanks""

Life insurance?

Say if you have taken out life insurance for yourself for 20 years and you dont die.... I know it sounds horrible.... what happens to the money you have payed in?

Is it against the law not to have car insurance in Illinois?

https://www.linkedin.com/pulse/i-need-some-sort-health-coverage-help-me-find-option-ruby-holder"

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viralhottopics · 8 years ago

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19 Reasons Your Obsession With Dev Patel Is Justified

We need to talk about Dev Patel.

The 26-year-old British Indian actor could walk away with the Academy Award for Best Supporting Actor for his rolein Lion.In the film, Dev plays Saroo Brierley, a man desperately searching for his family in India after being separated from them at the age of 5.

Its a great, fiery performance that deserves recognition in and of itself, but theres another reason were rooting for him. Just read this tweet:

That is a huge deal.On-screen representation matters, and its especially important for Asian actors. According to a 2016 diversity study,Asian actors nabbed only 3.9 percent of speaking roles in film a stark contrast from the 73.7 percent white actors receive.

Thats not the only reason werepulling for Dev to win an Oscar, though. Below, a few reasons why were obsessed with the Oscar-nominated actor:

Before receiving all this Oscar buzz for Lion, Dev was in 2008s massive hit Slumdog Millionaire and was equally amazing in that. Remember when he danced like this and low-key stole your heart?

He was also great on HBOs The Newsroom, playing a blogger and the offices resident computer geek.

He was super cute back then, of course.

AFP via Getty Images

But right around the time of The Newsroom, something began to change. Our nerdy-cute pretend boyfriend started to grow into his looks in a major way. Its like one day the hair gods smiled down at Dev and said, Hey, Slumdog guy, its time to grow out that hair and drive everyone crazy with lust for your locks.

Jason LaVeris via Getty Images

And grow it out he did. The swooshy-hair era began and nothing has been the same since. Dev has pretty much blossomed into full babe mode now.

Then and now: Dev Patel shot by BAFTA in 2009 and 2017 . (L) @ellisparrinder (R) @gregwilliamsphotography . #DevPatel #tbt #throwbackthursday #BAFTAs

A post shared by BAFTA (@bafta) on Feb 23, 2017 at 4:42am PST

Woah, right?

Those curls.

Barcroft Media via Getty Images

Seriously, THOSE CURLS.

And dat smile.

Vera Anderson via Getty Images

He also has a beautiful, classical profile. And the beard is good, too. (Lets give credit where credit is due, guys.)

Hes so good at posing for photo shoots,his side hustle should be modeling. (But please dont stop acting, Dev.)

Then theres his accent. Dev pulls off a pretty convincing Aussie accent in Lion, but his real-life British lilt will melt your heart.

Sigh. Please never stop touching your hair.

All awards season long, Dev has been a big booster of Sunny Pawar, the adorable 8-year-old who plays the younger version of his character in Lion.

Like, he literally boosts him up:

George Pimentel via Getty Images

Sunny very impressively carries the first half of Lion all by himself and Dev gives him credit for that every chance he gets.

Hes so incredible in this film, and I share this nomination with him in a big way, Dev told the Los Angeles Times recently.

Sean Zanni via Getty Images

Dont pretend you werent deeply affected by the cuteness of their introduction ofLion at the Golden Globes.

Same, girl, same.

Whos he taking to the Oscars? Apparently, his mom, Anita. Thats her moment, he told the LA Times.Im her guest.

Daww. Here they are at a 2009 British awards party.

Dave M. Benett via Getty Images

Gotta love a man who respects his mama.

We also want him to win because were positive hed be so humble and bashful during his acceptance speech. Just look at how he reacted to his name being called for his SAG award nomination.

And in spite of all the Oscar buzz surrounding him, Dev realizes were living in politically tumultuous times and theres weightier things happening in the world right now. Heres whathe told the LA Timeson the SAG Awards red carpet:

At times like this, youre constantly questioning what youre doing at awards like this or promoting a movie. It feels so pointless. I look to the people around me and they remind me the message of this film, of the art were trying to inject into the world right now. Its about unification, he added.When I think about that, it makes me have a little bit more strength.

Oh, and another thing: Hes an animal lover. (Dev + doggo = happy us. And loud squee-ing noises,to be honest.)

On another shallow note,boy fills out a suit quite well.

Desiree Navarro via Getty Images

And in case you were wondering, he has a mean street-style game, too.

Brian Ach via Getty Images

Were in good company in our Dev devotion. Ellen DeGeneres gave himthe title ofSexiest Man Alivewhen he visited the show back in January. So well deserved, even if Dev was like, Aw, shucks, me?

And his Lion co-star Nicole Kidmanrecognizes his swag as well.

Dave J Hogan via Getty Images

Watch out, Keith Urban.

Heck, even his ex-girlfriend and Slumdog Millionaire co-star Freida Pinto gave him props on Instagram for his Best Supporting Actor Oscar nom.

So proud of you, Dev! A fine example of what hardwork, focus, humility and crazy amazing talent rewards one with .Long time coming, so well deserved! @lionmov @theacademy #Oscars2017 #OscarNominations2017 #bestactorinasupportingrole

A post shared by Freida Pinto (@freidapinto) on Jan 24, 2017 at 9:39am PST

So clearly, hes best supporting ex-boyfriend, too.

Now would be a good time to mention what a ridiculously good-looking couple they were a few years back.

Jason LaVeris via Getty Images

So pretty.

Lastly, Devs work on Lion didnt end when he was done filming.Hes been busy promoting#LionHeart, a social impact campaign which will provide financial support to the over 11 million children who live on the streets of India. Heres our boy asking people to contribute:

youtube

In conclusion, Dev Patel is a super talented actor and a stand-up guy with amazing hair.

Cheers to you,Dev. Were pulling for you and your epic curls Sunday night!