#but isnt estimated to actually arrive for like an hour

[melvinthedepressedrobot]

why do i always have such shite luck with public transport

[joontier]

sa mga ulap | drabble 

translation: among the clouds

synopsis: you’ve decided to surprise namjoon by joining the flight he’s piloting to Germany, but in the end, you’re the one who gets surprised

pairings: namjoon x reader

rating: NC-17

au: established relationship!au; pilot namjoon and taehyung! au | genre: fluff; humor ; 

warnings: a dash of sexual innuendos here and there

word count: 1.9k

request: by @mintseesaw​​​ “ GABBYYYY MY LOVEE HII for the drabble game, may i pls request for bighani ft. the loml namjoon + est. relationship au or husband!namjoon hehehhfkffkgjh” GIRL IM AT WORK WHILST DOING THIS WHICH ISNT SUPPOSED TO HAPPEN BUT THAT POST OF JOONS THIGHS 🥴🥴🥴 SO YES THE THIRST IF FUKEN REAL SKFSJDF id like to apologize in advance for any mistakes askdfjiajf i just started and finished this toDAY gnhgnh BECAUES GOF THE THINGS NAMJOON DOES TO MEAJFAWIOEFJO

g/n: this is part of The Paraluman Playlist - a drabble game we’re holding for the whole month of August!!! I DUNNO YALLS IM TEMPTED TO PUT A NAMJOON POV FOR THIS ONE

navi. | m.list

As Namjoon’s goodbye kiss lingers, your hands slowly trail themselves up to his nape, wrapping your fingers around the back of his neck to pull him closer. “Where are you headed off today baby?” 

“I have a flight to Germany and Italy afterwards, then we’re flying back to Seoul. Probably be back in less then a week or so, darling.” Namjoon’s facial features soften as you look up to him with a pout, placing another kiss on your forehead. “It’s okay baby. I’ll be back before you even know it.” Your boyfriend of seven years squishes your face between his palms as he peppers kisses all over your face. 

You’re usually not this clingy but Namjoon has been busier than ever, with double the number of flights he has on his schedule than usual. Not to mention they’re all all long-haul flights - meaning he has to fly for more than seven hours for every trip. Which is why you’ve decided to throw a little surprise, for your boyfriend since you’ll be celebrating eight years together tomorrow. 

With a handful of help from Namjoon’s friends in Korean Air, a whole lot of bribing (and maybe a dash of under-the-table exchanges under Namjoon’s name) you managed to book the same flight to Germany Namjoon was going to pilot, wanting to surprise him when you arrive at Berlin and maybe spend some of his free time together as you travel around nearby tourist spots. Or you know, perhaps a quiet, sultry night at a luxurious bedroom provided for by the company? 

Either way, it takes a mighty effort from you to even attempt to contain your excitement inside, biting your lip as you dust off invisible crumbs off his shoulders. Namjoon isn’t the slightest bit fond of their uniform, staying true to his preferred laid-back fashion sense, but to you, your dashing boyfriend in his uniform was a sight you could never get used to. “I miss you already,” you sigh, holding him tighter in your arms. 

Palm brushing against his crotch, you flutter your eyelashes at him in the hopes that you might convince him just a few more minutes with you. Greedy of you, yes, but could anybody blame you if your boyfriend was devastatingly tall, dark, and handsome? Not to mention that time that the amount of time away from home his job takes away from him was to you, a woman of many needs, unacceptable. 

“Come on, baby, you’re going to get me late for work.” Hands gently squeezing at your waist, you feel Namjoon rest his chin on you as he holds you close. Heaving a sigh, you let go, letting him grab his necessities off the table. As he bids you goodbye for the last time, you manage to get a slap on his ass. Your boyfriend turns to look at you, expression stoic as ever. “Can’t get enough, can you? It worked last time honey, but it won’t now.” 

“At least I tried right?” Namjoon shakes his head at you, blowing you a kiss as he closes the door of your apartment. The moment you hear the door click, you make a quick dance, giddy as ever. Quickly, you make a dash for your room, grabbing your suitcase from the top of your closet. Having planned this a month ago, you head on to grabbing the clothes you intended on bringing, taking a pile of clothes and underwear (you might have added a lingerie set in there too) strategically stashed in one side of your closet for convenience and faster packing. 

Taking out your phone, you swiftly go over the list you’ve made for things you have to bring, checking if everything is situated where they’re meant to be. You dress up as fast as you could, put light makeup on and go through your apartment, making sure you’ve left no appliances on during your leave. 

Leaving a larger tip to the cab driver for bringing you to the airport faster than expected, he gladly helps you with your suitcase, likewise wishing you happy and safe travels. With less than two hours left before Namjoon’s flight, you go through the usual pre-boarding routine before heading to one of the few restaurants inside the waiting lounge to grab lunch. As you walk to your boarding gate, someone taps on your shoulder, and you turn around to see Myunghee in her uniform, smiling excitedly at you. 

You inwardly squeal, elated to have met her before boarding. She was one of the few people in Namjoon’s circle of work friends, and of course, one of the few people who helped you with your plan. Sharing a quick hug, she asks you how life has been treating you and you respond with the usual, being busy with work and this quaint cafe that you and Namjoon had agreed on establishing, hidden amongst the many crowded streets of Seoul. 

When you ask her the same, she shyly tucks almost non-existent small strands of hair between her ear, the studded ring on her finger glinting proudly against the light inside the hallways. Your mouth falls agape, instantly cupping a hand over your mouth as you squeal excitedly. “Taehyung proposed?!  And you didn’t even tell me?!” 

“It was just two weeks ago! And you know it’s been hectic for us recently. This year’s peak season is...wild, to say the least.” You nod in agreement, understanding her situation. You don’t keep her long after her revelation, and she says she’d gone ahead of the crew knowing you were going to be lurking around here too before boarding. Myunghee advises you to stay in a secluded place for the meantime before heading to the boarding gates, just in case Namjoon passes by and sees you. 

True to her words, you see your boyfriend shortly after, walking alongside Taehyung. You quickly hide behind a large pillar, secretly watching the two friends make the corridors their runway. You feel like a fangirl seeing her favorite celebrity as they walk by in their white button ups, aviators and all. There’s a tiny bit of jealousy swimming inside you as you notice you weren’t the only one swooning over your boyfriend (or the duo, for that matter) but it gets overcome by the pride beaming in your chest, having him as your boyfriend. 

Courtesy of your boyfriend’s employment at Korean Air, you’ve had the opportunity to travel a lot overseas hence your frequent flyer points. Deciding to spoil yourself while you’re at it, you’ve opted for a first-class seat, wanting to get as much rest inside as well. A couple of hours later after your near encounter with Namjoon earlier, you’re already comfortable in your seat, the soft leather effectively lulling you to sleep. You manage to stay awake though, enough to hear Namjoon’s voice after the in-flight announcements and directives. Feeling more excited than ever, you snuggle to your seat, a contented smile on your face. 

Multiple taps on your shoulder wake you from your dreaming of beautiful Berlin, a flight attendant in her uniform gently shaking you awake. “Miss ______? The captain requests everyone to listen to the announcement.” 

“Good evening, ladies and gentlemen, this is Captain Namjoon Kim speaking, we are currently cruising at an altitude of 35,000 feet. The weather looks good and we are expecting to arrive approximately thirty minutes ahead of schedule. Estimated time of arrival in Berlin, Germany around 2AM following Seoul’s timezone. The cabin crew will soon be going around to offer you a light snack and beverage, and the inflight movie will begin shortly after that.” 

Namjoon’s voice has this authoritative lilt to it, yet wonderfully soothing at the same time. The captain continues, “Actually, I’d also like to take this opportunity to acknowledge the presence of my lovely girlfriend, Ms. ________, currently seated at 13 F upstairs.” The man coming from the lavatory looks at you then back to your seat number by the divider. Shrugging, he gets back to his seat like nothing happened. You, on the other hand, are shell shocked, surprised at how Namjoon found out you were here. Surely, Taehyung and Myeonghee wouldn’t have outed you just like that. 

“It’s okay, darling. I already knew you were going to join this flight a week before our friends knew, so you don’t have to worry about anyone revealing your ‘supposed’ surprise,” Namjoon adds, seemingly aware of your thoughts. You hear hushed laughter from downstairs as a few people listen to his speech. “Could you come here downstairs for a moment, babe?” 

The same flight attendant from earlier approaches your seat from behind and extends her hand out as she points to the stairs. “If you would please follow me this way please, Miss ________.”  Soomin, the name of the flight attendant you just discovered, giggles at your reaction, escorting you to the galley a level below. 

“Ah there she is,” Namjoon sends you his infamous dimpled smile, reaching his hand out for you to take. “My girlfriend, ______.” Taking his hand in yours, he smiles to all the seated passengers, “I’m sorry to keep this short, because I still have a job to do,” Namjoon points his thumb to the cockpit, where you hear his co-pilot turned friend, Taehyung answer back, “I got this Joon! You go do your thing bro!” Your boyfriend mutters a short ‘thanks’ in return. 

With your hands intertwined, you feel Namjoon tremble slightly, worry instantly crossing your features. You squeeze his palm once, peeking over to him. “Okay, honestly, I prepared a whole speech for this, but then time constraint...I-- I’ll just go straight to the point. In a few hours, we’ll be celebrating eight years together. It may have had its own bumps along the way, but I wanted to let you know that every moment spent with you was worth it. Every time I fly to another country, I only have two goals in mind, to transport our passengers safely to their destination…” a man from the back whoops while a few from the passengers clap in amusement. 

“...and two, to come back home. And you know what they say, home is where the heart is. Home is you. You are my home. And there’s no one else in this world who I’d rather have that be, but you, the love of my life. With the sky we are crusing at, the heavens above, and the ground below, and of course all of the people present on this plane as my witness, I wanted to show everyone how much I love you.” 

You hear Taehyung’s deep distinct voice from behind approach, “Flowers for you, lovely lady,” he bows, handing you the flowers, “...told you they won’t wilt easily,” he winks at Namjoon, before joining Myunghee by the aircraft’s door. You’re already teary eyed at this point, and Namjoon makes sure to wipe a stray tear from the corner of your eye. “With this proclamation, I also wanted to let you know that I want to spend the rest of my life loving you,” your boyfriend gets down on one knee, taking and opening a small velvet box out of his pocket. “Hopefully, you’ll want to spend the rest of your life with me too?” Full on crying now, you bend forward, taking his face in your palms as you say your approval. Namjoon stands up with slight difficulty with Taehyung jumping and cheering behind him and he wears the ring on your fourth finger. 

You kiss yourfiance one more time, feeling like you’re just among the clouds. 

Please let me know what you think! x

© hhyungz 2020

[acidcorrodes]

Update:

It’s been two weeks. Here’s what I see:

There’s still no electricity pretty much anywhere. Some hospitals have it, but very few of them, and most all in the east, in the metro area. Some areas of the west have it too, but by no means a significant portion of the population. People are dying because there’s no electricity to run medical machinery with. Most hospitals that are working are using diesel-powered generators that were never meant to be running 24/7 so some are starting to break down.

There’s very poor or no cellphone signal. I’m lucky I have some, but it’s slow to the point I can’t actually call anyone most of the time, and text messages take ages to send. People are coming from far away areas of the island to the few places that do have cell signal. People are stopping in the middle of the highways to catch some signal, in an attempt to be able to tell their loved ones that they are okay.*

They say half the people have running water now. I would like to know where the fuck. Most people I’ve asked, most people I’ve heard talking or seen posting habe no running water or- if, like me, they’re lucky- have it at unpredictable moments. We had water in my house last monday, then a couple days later for about 45min, then yesterday for 2 days. Always low pressure, to the point that to do anything with it, you need to wait for a bucket to fill. We have no water right now. Supposedly the interruptions would be scheduled for every 24 hours, but this has not been the case. Right now, I don’t know for how long we’ll have no water. There are entire towns that have not had water service back at all, especially mountain towns (most of our towns, actually) that only just now are beginning to be able to clear out roads leading into and out of town.

People are stealing fuel from cars, power generators… you name it. They don’t care about anything except cash money and fuel. If they find water and food, they’ll take that too. But I’m talking: people have legit left behind iPads in favor of taking with them $20 cash and a tankfull of fuel.

There’s no ice. That’s fine when it’s rainy like the past 2-3 days, but when it isn’t? People can die from heat too, particularly because there’s very little water to hydrate with. Even if there were ice, there’s no power to run a freezer with, so you can’t keep it cold for long.

The governor lifted the prohibition on the sale of alcohol and made it illegal for gas stations to limit how much fuel you buy at once (so that now people have to be allowed to fill their car’s gas tank all the way up if they wanna). This has helped reduce the lines to about 2hr long in some places, when it used to take the entire day. The sale of alcohol helps move the economy and helps people chill out for a bit- literally and metaphorically.

Some schools are opening again, but very few, and I don’t know that attendance will be particularly great nowadays.

The UPR (our public university system) hasn’t given a start date for resuming classes again. At this point, half the campuses have been incommunicated. The ones we do know of aren’t doing very well in terms of damage to property.

We’ve heard very little of the west of the island.

Very few local AM and FM stations work, only one local tv station works (channel 2) as far as I know.

Very few people have wifi. I don’t have wifi; I’m posting this with my phone’s mobile network- hoping it posts at all.

Curfew is 9pm-5am. Anyone outside past then can get arrested. Some exceptions are made, such as emergency personnel, people working in food and water distribution, telecomm, and similarly important tasks.

People are stuck at the airports. The international one that everyone normally leaves and arrives at is handling very few flights per day (dont know how many it is now, but it used to be 10 per day) and many flights are military or relief cargo. Last I heard, no international flights were scheduled. Don’t know if that has changed. Prices for tickets to Florida went up from $300 the round trip to $2000. Many flights are getting cancelled. People want to leave, but we’re pretty much stuck here.

As far as destruction goes: trees are leafless or torn down, to the point where I don’t recognize the landscape anymore. It looks like when trees shed their leaves for winter, coupled with how a fire makes them collapse or break. I don’t know how else to describe it. I can see things now that I have never seen before because trees blocked their view, and it feels so wrong. Many places flooded. The images on tv that I imagine y'all saw (because we’ve had very few pictures from around here, much less video, except on facebook for those who can login and what’s on tv, which isnt much) are of places that have poor construction or built in areas where it is forbidden due to the flood hazard. That’s why you see houses filled all the way with water. But everywhere else, places that have never been flooded did get flooded, and the water has caused giant mudslides in mountain towns, to the point where people have been unable to get out of their houses and help cannot get to them because everything’s blocked. In addition to that, most structures with zinc roof lost their roof in the storm, wooden structures collapsed, but concrete houses held up pretty good as far as I’ve been able to see. (I, thankfully, live in a concrete house.) El Yunque is destroyed. Most mountains are gray and leafless now, but the people near them, like me, are grateful that they blocked the winds some.

Distribution of stuff in the ports is beginning, I think. We’ve seem gas trucks driving around and delivering to gas stations. The aid you’re sending is in Puerto Rico, it’s just not being properly distributed or is hard to distribute due to the state of things.

You can mail stuff to people directly because some post offices are open, but there’s no delivery to houses so the person you mailed to has to go to the post office to pick up the package.

Trump is supposedly gonna come to the island today. Uh…. well then. Dude should know we need the cabotage laws lifted for more than just 10 days for it to be helpful at all, and he should send the help we need rather than send a minimal amount, late, and blaming us for everything. We’re not lazy, man. Everyone I’ve seen or heard of has helped to pick up from the disaster in one way or another. We also have no use for that golf trophy, so keep it.

Seriously, at this point, we don’t care who or where aid comes from. We just need it to come here. We also need help rebuilding the power grid, which is down completely. Like… I’m talking even concrete poles that carry big power lines fell to the ground and broke like they’re made of cookies or something. The 6 months without power estimate is believable. I can see it being longer than that in some places, even.

Editing this in: There's also been a rise in the suicide and murder rates. Additionally, it seems the death toll from the hurricane is being underreported by the government. People are saying hospital morgues are full. People are burying loved ones in their backyards due to lack of resources for proper burials.

We are US citizens. This is US territory. We matter, dammit, please hear us.

*Okay means not dead. For me, because I’m lucky, it means I also have a roof to sleep under and food and water for a couple of days, plus access to supplies when we start running out of them. For many people, it is not so.

[trendingnewsb]

‘I dont know how they live with themselves’ artist Nan Goldin takes on the billionaire family behind OxyContin

The photographer became an addict after getting hooked on a prescription opioid. Now clean, she is waging war on the art philanthropists who have profited from the crisis

‘I dont know how they live with themselves’ artist Nan Goldin takes on the billionaire family behind OxyContin

Nan Goldin

‘I dont know how they live with themselves’ artist Nan Goldin takes on the billionaire family behind OxyContin

The photographer became an addict after getting hooked on a prescription opioid. Now clean, she is waging war on the art philanthropists who have profited from the crisis

Joanna Walters

@Joannawalters13

Mon 22 Jan 2018 01.00EST Last modified on Mon 22 Jan 2018 15.43EST

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Nan Goldin: I dont know how the Sackler family live with themselves. Photograph: Nan Goldin

Nan Goldin lights a cigarette and takes a puff. My dealer came here 24 hours a day, seven days a week. I was one of his best customers. She giggles sarcastically. He texted me when I was in rehab saying he was having a sale. He had dropped his prices in the hope of luring her back. She has since deleted his number from her phone and has been out of rehab and drug-free for 10 months.

I almost didnt leave this house for three years, she says. Goldin looks around the living room in her elegant Brooklyn apartment, paintings and photographs dotted around the walls, though none of her own, and Larry the stuffed coyote fixed in a permanent howl by the window.

Her most recent drug experience was very different to the old days, when she became one of the worlds most famous art photographers, capturing herself and those around her getting high, having sex and hanging out in downtrodden homes in the 70s and 80s.

This second experience began with a doctor in Berlin, where she has a second home. In 2014, Goldin was prescribed the potent narcotic OxyContin for painful tendonitis in her left wrist. She promptly became addicted, despite taking the pills exactly as prescribed.

The first time I got a scrip it was 40 milligrams and it was too strong for me; they made me nauseated and dulled. By the end, I was on 450mg a day, she says. Eventually she was crushing and snorting them. When, back in New York, doctors refused to supply her any more, she turned to the black market, and to cheaper hard street drugs whenever she ran out of money.

Emerging from a rehab facility in Massachusetts last March, she began reading about OxyContin and realised the branded medicine was prime suspect in the opioid crisis that has ripped through the US over the past 20 years. The epidemic has killed more than 200,000 people so far. Now she is declaring war against members of the secretive US family behind the invention of OxyContin, and behind the ingenious marketing strategy that was used to convince doctors it was harmless and patients that they needed it.

I dont know how they live with themselves, she says. Synthetic opioids mimic the effects of natural opioid drugs (which include opium and heroin), and their use, on prescription, is spreading in the UK and beyond, causing alarm among health experts. (The makers of OxyContin have subsidiary firms in Europe, Asia and Latin America.)

The name Sackler may ring a bell if youve walked across the new forecourt at the Victoria & Albert Museum in London, or noticed the arrival of the Sackler Gallery at the Serpentine in 2013. Or if youve visited the ancient Egyptian Temple of Dendur in the Sackler Wing of the Metropolitan Museum in New York, seen the Sackler Centre for Arts Education at the Guggenheim or a host of other arts institutions around the world with galleries or wings named after the family.

Dope on my rug, New York, 2016. Photograph: Nan Goldin

With charitable foundations on both sides of the Atlantic, the Sacklers, who are based in New York, have donated millions to the arts and sponsored faculties at Yale and many other universities. In each case, the familys name is displayed prominently as the benefactor. Forbes listed the collective estimated worth of the 20 core family members at $14bn (10bn) in 2015, partly derived from $35bn in sales revenue from OxyContin between 1995 and 2015.

But few know their wealth comes from Purdue Pharma, a private Connecticut company the family developed and wholly owns. In 1995, the company revolutionised the prescription painkiller market with the invention of OxyContin, a drug that is a legal, concentrated, chemical version of morphine or heroin. It was designed to be safe; when it first came to market, its slow-release formula was unique. After winning government approval it was hailed as a medical breakthrough, which Goldin now refers to as magical thinking.

It was aggressively marketed to doctors many of whom were taken on lavish junkets, given misleading information and paid to give talks on the drug while patients were wrongly told the pills were a reliable long-term solution to chronic pain, and in some cases offered coupons for a months free sample.

Goldin, 64, is incensed that no one in the Sackler family is being held to account. She has created a campaign to try to shame the family into paying for rehab and overdose antidotes instead of patios in art museums. Im not asking the museums to give the money back, she says, but I dont want them to take any more from the Sacklers, and I want them to put out statements in solidarity with my campaign.

A group of friends and activists have been meeting weekly in her apartment in a Brooklyn brownstone, brainstorming ideas for a forthcoming direct-action campaign. She first publicly revealed that she was recovering from opioid addiction last autumn, when she gave a talk in Brazil; then, in December, she wrote about it for the US periodical Artforum, saying of the Sacklers: To get their ear we will target their philanthropy. They have washed their blood money through the halls of museums and universities around the world.

In a New Yorker expos of the family ties last year, Allen Frances, the former chair of psychiatry at Duke University school of medicine, told the magazine: Their name has been pushed forward as the epitome of good works and of the fruits of the capitalist system. But, when it comes down to it, theyve earned this fortune at the expense of millions of people who are addicted. Its shocking how they have gotten away with it.

Goldin is now hurrying through a modern activist learning curve. First I wanted to go out with signs and picket a Sackler wing of something, because thats what we did in the Vietnam war and thats what we did with Act Up in the Aids crisis, she says. But she recently discovered social media I went on Instagram for the first time three weeks ago, she says and realised that petitions are online these days, so has set about organising one, which will be presented in due course to those Sackler family members on Purdue Pharmas board of directors. She is also now on Twitter, so there is a hashtag campaign, #ShameOnSackler, while her campaign overall is called Prescription Addiction Intervention Now (Pain).

Self-portrait. Photograph: Nan Goldin

Goldin believes that aside from the prestige of supporting high culture, rather than addressing the stigma of addiction the family isnt directing philanthropy to recovery and prevention because it would be tantamount to accepting culpability.

Three Purdue Pharma executives pleaded guilty in 2007 to federal criminal charges that they misled regulators, doctors and patients about OxyContins risk of addiction and its potential to be abused. The company settled for a record $600m. But no members of the Sackler family were charged or mentioned.

In 2010, after the showdown with regulators and many civil lawsuit settlements and with the original patent on OxyContin due to expire Purdue tweaked its product to make it harder to snort and was more explicit in its marketing about the risks of addiction.

There are rival drugs on the market, but OxyContin is widely considered to be ground zero in the US opioid epidemic. The federal agency, the Centers for Disease Control and Prevention, reported in 2017 that 91 people are dying every day in the US from drug overdoses, 60% of which involve opioids. Deaths from prescription opioids have quadrupled since 1999.

In the past five years, as prescriptions for opioids fell in response to the crisis, Americans didnt shake the habit or seek rehab; they turned to heroin instead. Four out of five people in the US who try heroin today started with prescription painkillers, according to the American Society of Addiction Medicine. Then street heroin started being secretly cut with the dangerous synthetic opioid fentanyl.

An overdose of fentanyl killed Prince in 2016, but last year medical documents showed that he had first become dependent on prescription opioids they mentioned oxycodone, the generic version and main active ingredient of the branded pill OxyContin. The family of Tom Petty revealed at the weekend that the singers death last October was caused by an accidental overdose with a cocktail of prescription drugs and pain pills, including oxycodone and fentanyl.

People are dropping like flies. I overdosed on fentanyl, but survived, Goldin says. She eventually sought help from a doctor she knew from the first time she got clean from hard drugs, in 1989. Before going into rehab this time, she detoxed at home. As she notes, there are many different types of rehab, and the care and therapy you receive after detoxing from the actual substance is just as important.

They look at the persons underlying problems, says Goldin. Potent opioids created a generation of addicts, with mass overprescribing in the US healthcare system. But many old-school street-drug addicts, as Goldin once was, turned to drugs originally as an escape from childhood trauma, loneliness, depression or poverty. She speaks of the doctors and therapists who helped her overcome her addiction as kind.

Goldin in Sweden. Photograph: Nan Goldin

In rehab last year, she also had to shake a long-term dependence on benzodiazepines one of the most well-known brand names for such sedatives is Valium. The company that became Purdue Pharma was started in 1892, but then expanded by three brothers, Arthur, Mortimer and Raymond Sackler, in the 1950s. All three are dead now. Arthur died in 1987, before OxyContin was invented, but he had once been responsible for brilliant advertising and marketing campaigns for drugs owned by other companies most notably Valium that focused on selling doctors and the public on using such wonder drugs for an inordinate variety of ailments.

Goldin herself was put on Valium when I was 19 because I was anxious, she says. Thats how widely it was prescribed.

After Goldins article in Art Forum, Arthurs daughter, Elizabeth Sackler, wrote a letter to the periodical, which will go online on 1 February, noting that her fathers one-third stake in Purdue was sold by his estate to his brothers shortly after his death and that neither she nor her children have benefited in any way from it, or from the sale of OxyContin. She calls Purdue Pharmas role in the opioid crisis morally abhorrent.

But although Goldin admires the Elizabeth A Sackler Center for Feminist Art at the Brooklyn Museum, she notes that it was the marketing prowess of Elizabeths father, in his approach to Valium, that provided a model for Purdues pushing of OxyContin. Shes not off the hook, says Goldin.

The 10 months since she left rehab have been hard. But I cant go back [on drugs], Ill die. Im staying clean for my doctor, for myself, for activism and the sake of other addicts. I feel that in my soul, it would be devastating if I relapsed. When I first went to treatment in 1989, I was motivated by the fact that Lou Reed and Dennis Hopper had gotten clean.

As a former drug abuser, Goldin in particular should not have been prescribed OxyContin as she was in a known high-risk group. The brain remembers, she says.

Her campaign is a call to arms, to fans of Prince, fans of mine, directors of art museums, doctors, anyone who has lost someone to opioids or knows someone who is struggling, which includes most people in America now, musicians and artists, a call for solidarity.

Goldin has not been taking many pictures recently, although she took some self-portraits while she was addicted to OxyContin, and some pictures of her drug gear. She has been drawing and painting, and in a small room next to the living room is a self-portrait, with her distinctive auburn curly hair and flinty look, but with the mouth sewn shut. I painted that over the new year, it was how I felt at the time. I was lonely, she says. She is looking forward to making a documentary on the opioid crisis. The project is in its earliest stages, but she says she got into photography originally, as a teen, because she wanted to make films. The closest she got at her creative peak was her many slideshows, most famously The Ballad of Sexual Dependency.

She is also known for photo-graphing the drag queens she lived with for three years in the 70s. They were so vivid, so beautiful, so funny. The humour ran riot. I think humour is one of lifes survival mechanisms; it was another level and I was in love with them, and I didnt analyse, I was just living, she says. And snapping. She has always said that her camera was merely an extension of her arm, although the undeniable craft in her framing, and the raw intensity, elevates it from documentary to art.

She captured such intimacy sometimes awful intimacy around the sex, the highs, rows, domestic violence and half-naked hanging out that was a way of life for her and her friends, many of whom she has now outlived by decades. But she points out that she would show her subjects their pictures and they could ask her not to publish them if they didnt like them. Integrity, integrity, integrity, she says. That word brings her back to the opioid crisis.

Purdue Pharma has no integrity, its the opposite, the evil manipulation of vulnerable people. Its disgusting, she says.

Goldin lights another cigarette and takes a swig of ginger ale. Her oil painting may have its mouth sewn shut, but the flesh and blood Nan Goldin will be heard.

Read more: https://www.theguardian.com/artanddesign/2018/jan/22/nan-goldin-interview-us-opioid-epidemic-heroin-addict-oxycontin-sackler-family

from Viral News HQ http://ift.tt/2FRZIVk via Viral News HQ

[nikkiexploreseu]

January 15th; Venice, Italy and Rome, Italy

I haven't updated for a few days now as I've been sick and have now gotten off of Contiki so I've been trying to get myself better, but I've posted pictures! After our beautiful castle meal in Slovenia we headed out the next morning to Venice. It was a full day of driving so we had to get up really early, but it gave us plenty of time to catch up on sleep which was nice. When we arrived we had to get a boat over to Venice itself, because there are no vehicles on the island of Venice whatsoever; it's completely pedestrian and water canals. The architecture was exactly what you expect of Italy, all the windows were flat with shutters, all the walkways were pebbled and all the architecture was ancient and glorious. We had a gondola ride through the canals which was not what I'd expected but was still nice. It only went for half an hour, but where we went it looked like a few steps up to the old houses and apartments were under water; an estimated 3000 years is left before the city is completely underwater. I asked why the city was built the way it was rather than with roads and it was to do with escaping their enemies of war at the time as they had not yet discovered boats. There were dozens of gondolas everywhere you looked, with a guy on the back of each rowing them around. After the gondola ride, we had a few hours of free time, so a few of us sourced the number one priority of being in Italy; pizza. And we weren't disappointed. We had a lemoncello shot with lunch, bruschetta that was the size of a pizza in itself and then a prosciutto pizza for main course. After lunch Marisa and I found a little bar and had the best tiramisu I've ever tasted in my life, with a Bolini; an Italian drink that is made of peach purée and champagne. It was incredible, I'm definitely finding out if they make them on the cruise. We wandered and met with the rest in a pub and all drank Bolini's until it was time for the next tour. We went on a wine and dine tour of Venice, where we went to 3 different bars and got to try a different Venezian specialty food and wine at each place. It wasn't like wine tasting in adelaide where you get to try heaps, we only got to try one red and one white at each place, which was fine anyway. Walking around the streets of Venice would be much more crowded in summer, I think going during winter was a good choice because the streets are really narrow and were hard to fit through with traffic from both directions as it was, I can't imagine during the summer. We got told that it's very easy to get lost in Venice, and now I understand why. All the buildings are stories higher than you, and street signs are far and few between; its like being in a maze. In the main square there are pigeons and birds everywhere, and if you stand in the middle of them there are guys that hand you a handful of bird seed without even slightly asking permission and you get flocked. And then you have to pay them. Like what? I didn't really want to get covered in pigeons but I did so that was an experience. There were heaps of little souvenir stores in the main square as well so I bought an Italia jumper because why not, I haven't bought a hoodie yet on this trip. Through the little side streets there were a lot of boutiques and like Gucci stores that were all really expensive, so I don't recommend shopping in Venice, or in Italy in general. We left at 10:30pm to go back to the hostel and were up again at 7:45am to go to my final destination; Rome. It was another full day of driving, we arrived at around 4pm and dropped our bags off with some difficulty before going on a walking tour and to dinner. I learnt really quickly that Italians are rude, and absolutely suck at organisation. We got put in a room which the first time didn't have working keys, and when we had working keys discovered that there were people already occupying said room. So then we got moved from the 1st floor to the 4th floor in an elevator that probably shouldn't have held more than a small child, and was about the size of a toilet cubicle, to then find out that we in fact didn't have a room there either, so we got taken back down to reception and had our bags put into the luggage area and got given free beer to compensate; overall not a bad deal in my opinion but the other girls weren't happy. We also got an upgraded room; we saw real carpet in the hallway and got excited. After that debarkle we headed out on the walking tour which took us to the Trevi Fountain, the Pantheon and the fountain out of angels and demons where Tom Hanks pulls the guy out of the fountain I'll post a picture so you know what I'm talking about; or just google it. It was raining slightly but it wasn't too cold, it was in positives and that was honestly a really exciting moment. Gloves were not necessary for the first time in two weeks. Venice was warm too actually, sunglasses were out! Seeing the Pantheon and the Trevi Fountain in person was yet another one of those moments when I realised that photos do nothing any justice whatsoever. I didn't think it would interest me that much, but standing there had a very different effect. I don't understand how thousands of years ago literally thousands like BC level thousands, people, human beings built structures of that scale. Like if you stood 56 of me on top of each other, these buildings are bigger than that. And all the columns are perfectly round and dozens of metres Tall and wide, how do they even exist? The Trevi Fountain isnt even in a featuring position, it's literally all but in the back streets of Rome like WHAT. But the reason for that, is that structures like the well known ones aren't the only ones to their scale; there are buildings throughout all of Rome of the same scale, literally throughout. Rome is entirely ruins with a few hotels and a few McDonalds thrown around. There's random columns like along the side streets and the old gladiator racing strips are just a square in the middle of roads. It looks like so much of it should be a feature but it's not it's just part of the city; it's again, indescribable. We went to dinner and this was the moment that I was at the height of my sickness for the trip, I got light headed and ill and couldn't breathe at all, so I didn't eat much and decided I was going to go straight to bed when we got back. But did I? No. Because it was the last night on Contiki, and I'm an idiot. So I went out drinking with everyone else until 5am, when we had to get up at 7:30am for the Colosseum. WHY NIKKI. GODDAM. Getting up was a struggle and pretty much everyone was still drunk, and one of the guys I've been travelling with lost his metro pass and the tour manager was also still drunk and she had no time to be mothering so everyone was like yeah nah we will see you there, even the people he was travelling with. I felt bad for him so I stayed with him at the train station and we managed to find the right train ticket, the right train and get off at the right stop which was the easy part because it's called 'Colosseo'. We ended up getting there about 40 minutes before the group because they did a walking ruins tour which we agreed neither of us could've handled at that point in the morning anyway, so we gave ourselves a 40 minute colosseum tour before meeting up with everyone else. Again, I feel like I say this too much, but the Colosseum has to be seen to be believed. The outside looks spectacular no doubt but it has absolutely nothing compared to the inside. It is insane. Absolutely insane. Not much if any has been reconstructed at all, it's been left to naturally erode and age over time, which honestly just made it that much more incredible. We walked into the arena and there's an immediate sense of needing to imagine exactly what went on here, you can't help but see it so clearly. We stood on the top level for the best part of half an hour and just stared and took it in, there isn't much else that you can do other than that. We met up with the group and the tour was actually quite shitty, it only went for 15 minutes and didn't really tell us anything that isn't already well known; that the broken half broke in an earthquake, that top seats were reserved for women and slaves and the closest balconies were reserved for priests and important people. One thing I didn't know was how much went on underneath the main floor of the arena. The animals were brought out from under the ground, for effect. The main arena floor is now gone so you can see all the walls where the cages were for the animals, and it was explained how they were hoisted up by slaves pushing the ropes to move and open the trap doors in the arena floors. To be honest I'm glad that we got to the Colosseum first, because we spent about an hour in there whereas the others only spent about 20 minutes. We went to the souvenir shop and I bought a little gladiator helmet, and then because everyone was either drunk or hungover we headed for food. It was bucketing down with rain all afternoon, and i bought an umbrella off of a gypsie for 5€ which was a mistake because of course as soon as the rain touched it the actual handle, not the umbrella, the HANDLE, snapped in half. So that got left on the ground and I actually drove past it about half an hour later in my taxi to my hotel, and I had a bit of a laugh. We got back to the hostel and went to our separate hostels ( those of us that got off in Rome) and met up again at 3pm to do the Vatican. My Hotel was beautiful, it was an air BnB and the guy there was so friendly, it was bit overwhelming to know that I was no longer on an organised tour and had to adult again but the receptionist actually got me a map and taught me how to get everywhere from the hotel which calmed me down a lot. I'm going to say it again, the Vatican was indescribable. I was staying three bus stops from it, THREE, and then just had to walk under an underpass to get to the Vatican square. I picked up in Rome as well that if you walk around with earphones in, the beggars and guys trying to tell you tours and souvenirs don't bother you, so walking around with earphones in even without music is a good way to go. Otherwise they follow you and call out to you until you respond. We did a tour of the Vatican museums and the Sistine Chapel, both of which I could have spent much more time in and intend to in the future. Leave a good 5 hour window to do the Vatican, because the museums are fascinating, and get an audio guide please for the love of god, it makes it so much more interesting. I was the only one that did and it was the best 7€ I've ever spent. The most amazing thing was seeing ruins and artifacts and tapestries from BC, like yes you learn about the history of BC but standing in front of roman ruins that were actually built BC is just another experience. And not being religious doesn't make a difference, if you know the bible to a reasonable extent then seeing the Vatican is worth doing. There was a hall of tapestries that depicted major events in Jesus' time, that were taught throughout all of my schooling and that i know back to front, the betrayal of his disciples, the last supper, the birth of Jesus, and they were made like 1-2 AD. They were made in the time of Jesus as it is believed, and while it didn't make me Christian or catholic it certainly made me question whether or not some of these events really did exist. Sorry Hughes'. It's very different learning the stories in school and seeing a tapestry woven in the time when it all supposedly happened. Right there in front of you. I will go back to Rome ( technically I have to because I threw a coin in the Trevi Fountain), and when I do an entire day will be dedicated to the Vatican. Contiki has officially ended. To be honest, and don't let this put anyone off of doing a Contiki, but I don't think I'll be doing another one, and if I do it won't be 12 countries in 16 days. Pros: - meeting people - Becoming a literal alcoholic - Seeing the highlights of each country you visit - Having an experienced tour guide - Having people around you that are in the same boat - Seeing a lot in a short amount of time Cons: - the contiki cold. It is NOT a myth, and it WILL NOT go away. - Getting up early every day - Only spending 36 hours in each city, sometimes less. - Not having the time to do everything you want to do - Spending waaaay too much money on alcohol and nice dinners that you wouldnt otherwise spend - Minimal sleep; absolute exhaustion. 16 days was too long, if I were to do it again I would do a week maximum and 2-3 countries. But, in saying all of that I did have an amazing time, meet some amazing people who I'm now going to Switzerland with, and doing a road trip along Australia's east coast with, and I will definitely never forget the experience. I flew back to London last night and am currently sitting on the plane to ICELAND!!!!! I've been super stressed because after being on tour I forgot how to adult a little bit but I'm back on the horse now and ready. Iceland, here we come! Oh and I really need to do some laundry. So Iceland and laundry, here we come! Some memorable things I've learnt so far: - don't be scared to talk to people that you don't know, 99% of the time they're willing to help you. - Don't constantly worry that you're being kidnapped; you're not. - Don't buy premium everything, make do with what you can. I've been blowing my nose with toilet paper for 3 days now, tissues are expensive. - Tipping is ridiculous, but necessary pretty much everywhere except for Australia. - Italians don't line up well; push in. - Polish people don't like you eating in their restaurants, they all stare when you walk in. - Not everyone can speak as much English as you assume, ask everyone you talk to before you talk to them if they speak English, purely by saying "English?" - .Learn how to sleep on transport; once you've got one type down, you've got them all down. Buses, planes, you name it. Buy a neck pillow. - Experiment with food, never stick to what you know when you're travelling. Half of the experience is eating their food. - If something scares you, it generally means that it's good for you. Just do it. - If you have to pay to go to the toilet, hold it. - Napping is a precious skill whilst travelling, learn it and do it whenever you can. - Don't be scared of overseas pharmacies, their products are exactly the same as ours. - Do not be scared to do things that you haven't done before, if you don't know where you're going or what you're doing, just remember that everyone else in the world has done this before, it can't be as hard as you're thinking it is. - Drink lots of water. - Bring lots of Chapstick. - BRING PAW PAW. - Packing a rucksack is easier if you put the cases of stuff on the bottom, and the clothes on the top; they squish better. - In Italy eat as much gelato as humanly possible. - Do NOT pack more than two pairs of shoes, you will not wear sneakers in winter. - Pack less pants and more jumpers; I've been wearing one pair of jeans everyday for 3 weeks, you just change the leggings underneath. - Bring a goddam jacket and don't spend 90€ on one in Amsterdam. - Go to Amsterdam, but don't buy weed stronger than 2 🐾 - They'll try to tell you that Austrian and German are different languages; they're not. - Pack more socks and more underwear than you think you will need...And then some more. - Sometimes in Europe, you can leave without paying the bill. - Sometimes in Europe, you can ride public transport without buying a ticket. - If you go to a thermal bath, pay for the package with a massage. You won't regret it. - Don't be scared of anything, you may think you do, but you don't stand out. You're just another person. - Live with #noregrets.

[mastcomm]

France’s Unofficial Minister for Fashion Isn’t Afraid of a Redesign

In France, where fashion is considered part of the patrimony and first ladies have been front-row regulars (and supermodels), the government has long treated the industry with kid gloves. Then, in 2017, Brune Poirson arrived.

“In the beginning, everybody thought I was crazy,” said Ms. Poirson, who is officially one of three secretaries of state to the minister for the ecological and inclusive transition and, unofficially, France’s de facto minister for fashion.

Both a champion of the industry and its rare critic, Ms. Poirson, 37, is playing a role in negotiations regarding President Trump’s threats to impose tariffs on handbags and other luxury goods, also known as the “handbag war.” Last year, she also spearheaded wide-ranging legislation that included banning brands from destroying an estimated 630 million euros (or $700 million) of unsold goods annually, a common practice in the industry. Prime Minister Édouard Philippe has said France would be the first to formally adopt this measure.

“When you’re a young woman in government — or in general, in life — and you decide to tackle a topic like fashion, everybody goes after you,” she said in an interview. “It’s almost the end of your reputation. If I were really a politician, I would have taken nuclear energy or something. But I think there is more to do in the field of fashion. I know we need to do something about it.”

It is, after all, France’s second-most profitable sector, worth an estimated €150 billion. (The first is aeronautics.)

And Ms. Poirson isn’t your typical French politician.

“Brune Poirson has a very important mission for the government and for France,” said Pascal Morand, executive president of the Fédération de la Haute Couture et de la Mode, the industry organization for French fashion. “She considers that fashion is essential and should be exemplary, and she brings conviction and determination to promoting the circular economy.”

Seated before a coffee table in a corner of a grand but sparsely furnished ministry office on the boulevard St.-Germain, early in the evening of yet another long day of transport strikes, Ms. Poirson made no secret of her impatience with a sclerotic French system of government and business, or the way things have functioned for years (and even centuries).

“We need to change the way we work,” she said in polished English. “In politics, what’s terrible is that things take time not because it’s difficult, but because people are unwilling to change things for petty reasons. It looks good on TV for a week if you can say you implemented something 10 years after it was planned. It’s completely depressing. So sometimes, if you want to change things, you can’t rely too much on politics.”

Her press officer, seated nearby, squirmed and reached for his smartphone; she burst out laughing. “He’s dying,” she said. “But it’s true.”

She is also nothing if not outspoken. A video shot on the Senate floor in November 2018 captures for posterity her lightning takedown of an older, male colleague. Gérard Longuet, a conservative senator, had addressed her with a patronizing “ma chère amie,” or “dear friend.”

“Call me Madame la Ministre,” she shot back, coolly raising her tone as hoots from other senators echoed in the background.

Ms. Poirson’s clothing style is likewise to the point: She favors minimalism, with the occasional whimsical earring. “I have to be super-simple because that’s who I am,” she said. “No prints, because you get bored and then you want to buy more, and I try to wear exclusively nonsynthetic materials because of all the micro plastics, unless it’s second hand, and clothes that are only made of one fabric.”

In the three years since her appointment, she has championed France’s embrace of a more circular economy, and drafted the zero-waste law that is moving through the legislative system and is expected to be signed by President Emmanuel Macron. In addition to banning incineration of unsold products, the law phases out all use of disposable plastics beginning January 2021; bans microplastics in cosmetics; and makes filters mandatory on industrial washing machines.

Ms. Poirson worked with François-Henri Pinault, chief executive of the luxury group Kering, to shape details of the “Fashion Pact,” an industry initiative that seeks to curtail its environmental impact. The document was signed by 56 companies — though not by LVMH Moët Hennessy Louis Vuitton, the French luxury conglomerate that owns 75 brands — and was presented at the Group of 7 meeting in Biarritz, France, in August.

The pact is not legally binding and was decried by critics as toothless because it lets signatories pick and choose guidelines rather than setting goals, and sidestepped the problem of overconsumption. “Well, it’s the French way of approaching things,” Ms. Poirson said, with the faintest hint of exasperation.

Ms. Poirson has no truck with some luxury brands’ argument that they represent only a tiny fraction of the fashion sector. “That’s like France pointing the finger at China as the bigger polluter,” she said. “I refuse to hear that argument. Everyone should work to maximum capacities to find a solution to climate change. ”She was born in 1982 in Washington, D.C. to French parents — her father worked for the World Bank; her mother restored paintings — and the family returned to France before she could walk. She and her two younger brothers grew up in Apt, in the Vaucluse, part of the then-grittier, pre-Peter Mayle Luberon region in Provence.

She knew from childhood that she wanted to work in the public sphere. But, unlike most French politicians, Ms. Poirson is not an énarque, as graduates of the École Nationale d’Administration, the primary vivarium for French political life, are known.

“I wanted to do the exact opposite of E.N.A. It was a project,” she said. “My roots are really strong. I know exactly where I’m from. It gives you a lot of strength to go anywhere else, anywhere in the world. And I went with the intention of coming back, always.”

That path led to the London School of Economics; Laos — where she spent a year working on education, particularly of young girls, among the Hmong ethnic minority; and, by 2008, New Delhi, where she worked in the public and private sectors, for the Indian cabinet minister Satyan Pitroda and the French company Veolia.

In 2016, she studied political science and sustainability at the John F. Kennedy School of Government at Harvard University, but the combination of the American and French presidential campaigns, Brexit and new motherhood brought her back to France to run for office.

“People often say that when you have a family, you just want to protect them,” she said. “For me, it was the opposite, in a way. I had a daughter, so I had to work twice as hard.”

She ran for local office in the Vaucluse area and used a grass roots campaign to beat the far-right candidate Marion Maréchal Le Pen (niece of Marine Le Pen, leader of the National Front and Mr. Macron’s former opponent). Within 48 hours, Mr. Philippe, the prime minister, invited her to join the government.

Ms. Poirson said her next steps are “not necessarily legislation, but keeping the fight on sustainable fashion.” She said she would like to establish a fund for innovative fashion brands working to change the production system, though has few specifics.

Her position on handbags getting swept up in a possible trade war? “Getting into logistics of commercial sanctions will only create losers,” she said. “Commercial conflicts are just a source of uncertainty and weigh down global growth.”

And she wants to revive sectors like France’s lace industry now hanging by a thread.

“I want to go back to the areas in France with a strong textile history and see how we can actually return to local production,” she said. “I believe in path dependency — when a place is good at one thing, I think you can really rebuild on that.”

from WordPress https://mastcomm.com/event/frances-unofficial-minister-for-fashion-isnt-afraid-of-a-redesign/

[extrafemi]

Applying for TEF Seed Capital.

I am going to start by saying if you have not heard about the TEF (Tony Elumelu Foundation) by now, you are probably neither Nigerian nor African. If you are, then you must have been sleeping under a rock. Going forward, I will refer to the Tony Elumelu Foundation (formerly Tony Elumelu Entrepreneurship Programme) as TEF.

This post is simply to answer some of the questions I have been asked about the TEF as I am privileged to be part of the class of 2016. In this post, I will mostly be sharing;

My experience signing up and going through the TEF process.

About TEF official and unofficial group forums.

What TEF is and it isnt.

Finally, managing your expectations about the TEF seed capital.

P.S: I am not a TEF staff or a brand ambassador for TEF (though i wish i was). I am an entrepreneur. So here goes:

Applying for TEF...

I first heard about the TEF in 2015 but didn't apply until 2016. When I eventually did apply. I applied my business idea- ChatClass NG. I had been working on it since 2013 and even Hotels.ng boss; Mark Essien had tried to help me with it at some point. S/O to him for his patience and time.

I didnt apply in 2015 for one reason: I said to myself “Shey iru e lonwan be?” (Translation: Is it your type they (TEF) are looking for there?).

But I finally put together my business plan and applied in 2016. The application process was simple and easy. In a couple of hours, I was done.

Lessons. (As I said, i would be sharing lessons as I go on)

I have been asked about my “winning edge” to get in. Unfortunately, i doubt that exists or if it does, I don’t think I have one. Ultimately, it boils down to your application. TEF has an independent screening process (Accenture) for applications and business plans to ensure transparency. So knowing TEF staff personally or sending email means nothing. Your application is basically being judged by people who dont know you, who you dont know and who you may never meet.

While it is okay to ask for help while applying, it is important to do it yourself. Not because TEF might find out if someone else applies for you but hey, its your business. Doesn't it make sense to apply by yourself?

Parmindir Vir shared that a lot of ladies started their applications in the 2015 set and never finished for some reason. Hence the statistics of Female applicants was really poor. TEF followed up with female applicants in 2016 encouraging them to finish their applications and surprisingly, the statistics improved significantly. So this is dedicated to the ladies applying or thinking of applying: PLEASE COMPLETE YOUR APPLICATIONS! PLEASE!!

The fact that I got selected means anyone can get in if you apply but If you dont get in still, pick yourself up and get ready for 2018.

After applying, I waited. Here is some statistics:

Out of the 1000 entrepreneurs to be selected across Africa, 600 will be Nigerians and the remaining 400 will be split across the other 53 countries in Africa. So if you are a Nigerian reading this, good for you.

Of the 1000 businesses to be selected, the largest sector is Agriculture, followed closely by Education (which I am in) and then the others. So if you are in any of them and reading this again, good for you.

In 2015, 20,000 entrepreneurs applied. In 2016, 65,000 entrepreneurs applied. It is estimated that about 85,000 to 100,000 entrepreneurs will apply in 2017. So brace up!

With the growing focus on driving female entrepreneurs especially in Africa, special attention will be paid to female entrepreneurs just like there was in 2016. So if you are a lady reading this, good for you.

After getting selected...

One day, an email arrived from TEF. It contained a video from Mr. Elumelu himself. I nearly deleted it and wondered why TEF would send an email to tell me I had failed to get in, more-so in a video from the Chairman himself. But I watched it and there were the first words i heard: “If you are watching this video, Congratulations you are one of the 1000 entrepreneurs selected this year…..” The email will also be the first of very many emails, webinar invitations, instructions et al from TEF. The list of the winners will also be published on the TEF website.

Lessons.

Sometimes, it is your type they are looking for, lol. Your idea might just be the solution Africa is looking for.

The answer you seek might just be in that next email. Dont be in such a hurry to hit the delete button. Read first.

Yeah, you will be contacted via email. Please close attention to your email.

Attend the webinars. It contains answers to all the questions you will have as you go on.

You will also be assigned a mentor to guide you through a 12-week online bootcamp. Work with him or her (I sent mine a linkedin connection the same day I found out his name) and don’t be worried about getting your ideas stolen (that’s just silly).

It is important to actually do the tasks in the 12-week online bootcamp and even more important to do it yourself. Not because TEF might find out if someone else does it for you but hey, its your business. Doesn’t it make sense to do by yourself? I had a business running, staff to manage, a 9–5 job, was taking an online class from maestro Steve Harris and still did my tasks and assignments myself. I was waking up 3:30am and sleeping 12 midnight. Dont worry about getting stuck, thats why you have a mentor. S/O to Future Software Nigeria Resources Ltd boss, Nkemdilim Uwaje Begho for all her her encouragements during this time.

If you have not registered your business, it is in your best interest to do so and you would be required to submit your CAC documents and open a business account. You can however leave this till the later end of the online bootcamp. 

After the online bootcamp…

After the online bootcamp, we were asked to submit reports, milestones, documents and our business plans. I should confess at this point that I had help with my financials but she and I did it together. The irony here is that the financials got rejected twice during which I was forced to redo myself before it got approved. So again, Ask for help but do it yourself. After I submitted all the required documents, we geared up for the TEF conference in Victoria Island, Lagos.

At the TEF conference….

I should duff my hat to the TEF team for pulling this one off. I am talking about logistics for at least 2000 people (TEF class of 2016- us, TEF class of 2015 who volunteered, TEF staff and other third-party services); yet it was mostly seamless! The meals were amazing, the registration desk seemed to munch up their queues like hungry lions and did I mention the speakers were on point?! Attend sessions, take notes, Ask questions…intelligently. The conference ended with a concert with one of Africa’s finest musicians- P Square. I should admit at this point that I developed a crush on one of the speakers- Somachi. Lord! She slay-ed! I am still not cured but hope she doesnt read this, lol!

Okay! Moving on! Lessons. This isn't a written requirement but NETWORK, NETWORK and just when you think you have done enough, NETWORK some more. The TEF conference has entrepreneurs from all 54 countries in Africa in one place at a time and that is ah-mazing! No, I do not think anyone has ever been able to manage such a feat. By sunday morning, it was all over.

About TEF official and unofficial group forums. A lot of whatsapp and telegram groups will emerge. You should know that none of them are authorized by TEF. The only recognized platform for interaction between TEF entrepreneurs 2015, 2016 and the eventual 2017 is the TEF Hub which you will be sent logins to access.

What TEF fund is and it isnt. What TEF gives is SEED CAPITAL to fund the business plan you submitted. You are not allowed to change your business idea after being funded or transfer the fund to other uses. It is NOT a grant or a “dash money” or a loan. It is also wise not to pay tithe on this money for our brothers and sisters in the lord. lol.

There was a story that was shared with me about some guy who was TEF 2015 alumni, got in and after getting the funds went back to his Job on the pretext of the funds not being enough. That is saddening as he has prevented someone else the opportunity of being funded. TEF will give an initial $5,000 and create the opportunity to request an additional $5,000 if the initial isn’t enough based on certain terms and conditions. There was also a story about some guy in some African country who won funds at some Microsoft business competition used the funds to marry a second wife! lord!

If this is your plan or similar to the above, it is in your best interest not to apply at all.

Finally, managing your expectations about the TEF seed capital. The moment your name is on the TEF 2017 list, you are guaranteed of the initial funds of $5000…well, almost guaranteed. However, TEF will only pay when they are ready. As much as they intend to keep to time and work very hard to ensure funds arrive as scheduled, sometimes, things never go the way we plan. That’s life. The conference was in September 2016 but I didnt get my funds until January 2017. I have friends who have gotten into debt over money they hadn't received or spent all their savings in hope of the funds. I will simply share one lesson about money i learnt from my mother when I was much younger… “Do not spend money you have not yet seen” Until the money enters your account, it is not yet yours and you have not yet seen it.

Are writers eligible to apply? Honestly, I dont not know but better Question: Is it a business? Is it scale-able? will it transform Africa? If yes, then by all means please apply. Oh, and my business? Click here to find out all about it. Got questions I haven’t answered already? please leave a comment.

Be wise and all the best, Femi.

[mylovingbouquetearthquakewo-blog]

Motorcycle insurance cost?

"Motorcycle insurance cost?

tried getting an online quote but they ask for vin # and other info i wouldn't really have without first buying the bike. if you have a similar bike what do you pay annually?

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

RELATED QUESTIONS: 

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im a diabetic and i recently lost my AR Kids insurance when i turned 19.... i need an affordable insurance plan that will cover my prescription does anyone have any suggestions

When does health insurance expire when you move out of state?

Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance?""

Car insurance for a 17 year old?

First of all i need a new car and now i have a 2004 honda civic and i got prefered to a 2011 camaro from a friend who really needs to sell it because they are having a baby and they offered me 2,500$ to 3,000$ ofcourse id take it but my mom said if the insurance is really high i cant get it? How high would the insirance be its a two door 2011 camaro""

What do Republicans think President Obama health insurance is really about?

Do you think hes trying to give Insurance to poor people on welfare? Because they already have insurance, it's called medicaid. Do you think he's trying to give insurance to lazy people? Because MANY people have jobs that either dont offer insurance or they don't qualify. Perhaps they have preconditions. Also for college students who work part time jobs who don't get enough hours for insurance. Do you know that medical bills are the leading cause of bankruptcy and debt in America?""

How does health insurance work?

Forgive me for being financially illiterate, but I've never had anyone to teach me these things even in school. I don't really understand how health insurance works, like, at all. I am sick, and I rely on family health insurance to pay for my treatment, which my dad pays for. But eventually I will have to pay for my own health insurance. What I've gathered from what I've read about it is that you are usually not eligible for many types of health-insurance if you have a pre-existing condition. What does this mean, though? Does that mean that because of my illness, I will not be eligible to get insurance? How do other sick people get insurance? Forgive my stupidity, no one has ever tried to teach me these things.""

What's the most & best but reasonable/affordable Health Insurance??

in/for Indiana

How long after an accident can I file an insurance claim in NY?

About 2 weeks ago I slipped off an icy road, drove my van into the woods on state land. There was no property damage, this is a very rural area (as in no homes within 5 miles at least). It did take out my rear corner window, crushed my headlights and damaged my hood. I drove right out of the woods afterwards. I was going to do the repairs myself, but found out the window repair would be over $500 and for that price I might as well file a claim and get the rest fixed. My questions are: Is it too late to file a claim? Are there any legal ramifications for not reporting this accident?""

Disability Insurance in Vermont?

Does anyone know if it's legal in the state of Vermont to employee people without disability insurance? I know it's illegal in New York. I'm out of work due to pregnancy complications for 3 weeks or so and I can't collect disability for this or my maternity leave because they said they don't have disability insurance. I called a lawyer, but haven't heard back from them yet. Just curious if anyone knows the answer to this question. Thanks""

Motor trade insurance for 46 year old and a named driver at 18?

Currently have an motor trade insurance policy with motrade. However they are closing down so need to find another insurance company. The problem is that the name driver is only 18. Motrade allowed named drivers from 17! Does anyone know of an motor trade insurance company that will insure an 19 year old on a policy. The policy holder is 46. Thanks! :)

How much should we expect from her insurance?

a friend and i had an accident on Thursday, we were going on two different motorcycles and a woman never saw us and she cut our way and we ended up hitting her pretty bad, the motorcycles are totaled. one of us had a dislocated shoulder and a strained knee, the other one was hospitalized for three days, he ended up having a broken rip, blood in the skull, and damaged spine. this accident was the woman's fault so my question is how much should each of us expect from her insurance? should we hire a lawyer?""

Who has affordable health insurance for my family of 5 in virginia?

My husbands job provides insurance for $650 a month. We can't afford that at all. So looking for affordable health and dental please help we are in virginia. Thanks in advance

How much do you pay for insurance? What kind of car?

How much do you pay for insurance? What kind of car?

Does it matter how old your vehicle is to get full coverage insurance in oklahoma?

1996 chevy cheyenne

How much will it cost to fix this bumper dent?

http://oi43.tinypic.com/lv393.jpg hit a parked car when pulling out of a spot :( the other car was fine lol, but this is mine. trying to not involve insurance cause i dont want my rates going up. how much do you think this will cost to fix?""

I'm 20 years old looking to purchase insurance?

I'm looking to purchase life, medical , and short term disability insurance I'm new to this so i need to know the basics what do i need to know before purchasing I'm only 20 years old also if you can leave some tips on what are some good affordable insurance companies i was thinking of purchasing short term disability through Aflec basically i need to know the basics what i should look for how much should i pay average a month please help thank you !""

What is the typical cost of condo insurance in florida?

I'm trying to understand what homeowners insurance woul cost in florida for a 2 bedroom condo. I'm not ready to call an insurance company. I'm looking in Ft.Myers. Just want to know is it thousands of dollars and out of my range or a few hundrend per year. Say for a 75k condo.

Whats the best multi car insurance company?

I live 5 miles from work. got a great driving record and i own 3 plus cars one daily driver the others i only drive not even 3000 a year just toys i like to keep im single and sick of pulling insurance off and on just to say id rather just pay a decent price to cover them all my daily driver is like 250 and my van i havnt even drove this year they want the same along with another 300 for a truck. Is there a insurance company that realises im one person and collectors plates mean i barley drive these things! please only respond if you have more then one car insured and have tryed a couple diff companys

Why is Auto Insurance in Quebec cheaper? And how do I go abouts changing my insurance to Quebec?

I've been told insurance in Quebec is much cheaper. I know a few friends that live there can I change my license address to Quebec then seek insurance over there? Im getting sick of paying 400+ in Ottawa.

What is the average cost of having a tooth pulled?

I may have to have a tooth pulled and maybe a filling. Does anyone know how much this usually costs? I do not have dental insurance. Also, do most offices offer payments or financing? If offered would they have to do a credit check? I do not have good credit?""

Low but guf health insurance?

I need help finding a gud health insurance.But that is gud but isnt so pricy

What's the difference between disability insurance and disability benefits?

What's the difference between disability insurance and disability benefits?

Insurance cost for ferrari?

what is the insurance cost for a new ferrari f430 which costs 220,000 for a 32 year old in florida with a perfect record please dont say if you have to ask you cant afford it because i can i just want to see what you think because i have a estimate!! by the way if you say if you have to ask you cant afford it if you give me a good answer you will get 10 points!!!""

Good health insurance?

Looking for good affordable health insurance.

Health insurance help..family of 6?

we got denied Medicaid in our state, said we make to much money. we cant afforded it our works don't have it. where can i go to get at least a RX card or something?? or a place that has affordable insurance?""

Motorcycle insurance cost?

tried getting an online quote but they ask for vin # and other info i wouldn't really have without first buying the bike. if you have a similar bike what do you pay annually?

Speeding ticket question on car insurance and notifications.?

Alright, so recently I recieved a speeding ticket out of my state while driving my friends car. I was wondering if this makes either his or my car insurance rates go up. Also, is there any way that our parents would be notified of this ticket? I heard a notification gets sent in the mail. Also, in the event that it does affect car insurance or a notification is sent in the mail, is there any way our parents would find out where the ticket took place? Thanks""

""As an owner-operator, working for the big taxi company, what kind of insurance do I need on the cab?""

I'm in California. I'm working as a cabbie for that big taxi company with the brightly colored cabs. You know, the one everybody thinks of first. I just bought my own taxi car and it's being converted into a taxi which I will drive for the company. The boss has given me an insurance card, and he says this is the only insurance I need. But I'm worried about it, because the taxi car will also be used a little as my private vehicle, you know, like to drop off my kid at school, or pick up groceries, etc. If anyone knowledgeable can shed some light on this for me, I'd appreciate it. Thank you.""

In terms of premium cost the most expensive type of insurance is?

In terms of premium cost the most expensive type of insurance is?

What do police do if you are stopped for no mot or tax but have insurance?

Iv found some info out about someonejust was wondering what would happen??

Fast Car Low Insurance Group?

Hi, i am looking for a car that can do 0-60 in under 10 sec, but is in as low an insurance group as possible. Atm i want a Mitsubishi Galant 2.0, but that is group 13, if anyone can find anything under group 10 i'd be grateful. P.S. I have no intention of frauding any insurance company so don't mention that. Also no i am not a boy racer so no moral lectures please. Rest of you Thanks :)""

Ford Mustang V6 1997 I'm 19 about to turn 20 how much will insurance cost me?

I live in Oregon close to the city I live in a country side how much would I pay? Please help!

Rental car insurance?

Say someone is coming to US from India and wants to rent a vehicle for first two weeks. Obviously he doesn't have any auto insurance ( he doesn't have an auto at all). If he wants to decline the costly insurance coverage provided by the rental companies, what are the other options for him to get liability and collision coverage for the rental vehicle for first two weeks ? If he would have already had an auto and auto insurance it would have covered his rental car too with the same coverage for around 2 dollar a day. Where as without this the cost is around 20-30 dollar a day. Just having an auto(even if it's a 500 dollar junk one) and insurance for that makes such a difference. Is it possible to get similar coverage in such low prices ?""

People who work at ALLSTATE INSURANCE IN FLORIDA?

What day of the month do you get your salary? The beginning or the end of the month?

Why do kids with lower grades pay more for car insurance?

And would a kid with a C average compared to a kid with a A average pay the same after 1 year of both them having a clean driving record and no accidents... if not that is bs.... grades shouldn't come into play it should be how good of a driver you are its unfair to do that I am so sick and tired of how good grades get you this that..... I have a c- average in high school and i dont do any drugs or alcohol or w/e.I workout on a daily basis,eat right, and i am extremely physically fit. I really just hate school and never put my mind to it.""

""Primary Mortgage Insurance, California?""

I live in southern California. I recently called my bank about refinancing my mortgage. I was advised if I refinance, the PMI insurance I pay will go from $168 to about $340 or something. In other words, by lowering my rate, my PMI goes up. Is this true? I would assume the PMI would lower or stay the same since its now easier to make payments. Please advise...""

Cheapest Car to Buy & Insure?

Hi, I am 28 years old and looking to purchase my first. What are the cheapest cars with the cheapest insurance, anything a step above a bucket with four wheels is what I'm looking for, no aesthetics or fancy extras.""

Insurance for a 16 year old?

How much would insurance be for a 1990 corvette? I'm 16 years old, btw.""

Homeowners insurance quotes?

is it true you have to pay upfront 1 year homeowners insurance when buying a home.

Can my car insurance company raise my rates if my CA Drivers License was put on hold?

I'm just curious. Can they do that? I was pulled over in 2010 for driving without car insurance or registration and I was given a ticket. I never paid it (I didn't have the money at the time but I just paid it off as of Jan 2013) and I got a notice from the DMV saying my DL was going to be placed on hold (basically suspended) until I paid it then it would be released. At the time I found this out I was trying to insure my new car, and the company told me because of that my rates go up. I've seen my DMV record, it does state that my DL was placed on hold, but it didn't cost me any points. So I still have 0 points on my driving record. Can the charge me more for that? Also no judgement please, I dont want to go into a long story. The ticket from 2010 is a long story and partially caused by a controlling abusive ex. He is now gone, and I am almost finished cleaning up the wreckage he caused, the ticket being one of them.""

I need cheap car insurance for Astra SRI 1.8 58 plate. I'm female with full license for 4 years.?

I use car for school run and shopping only and I park it on the street outside my house. I am 32 years old and female. Any help would be great as car insurance is beyond expensive. Thanks

Health insurance for an immigrant who's over 65?

My parents and I are thinking about bringing my grandmother to the U.S. but we are worried about health insurance. My grandmother is 87 years old and has many medical conditions so we need to get her something that would cover the medical expenses. She will be an immigrant because she doesn't have U.S. citizenship or green card, and she has never worked in this country. Since she is over 65 years old, she cannot get a health insurance, but I am hoping that she can get something that is similar to Medicare, Medi-Cal, or Medicaid. I know that Medicare is for people who is either a citizen or permanent resident and who has worked least 10 years in Medicare-covered employment. Is there anything that my grandmother could be eligible for medical health plan or insurance although she is an immigrant, over 65 years of age, and never worked in the U.S.? Any advice or suggestion would be much appreciated.""

Where is the cheapest car insurance in the UK?

Looking for a really cheap car insurance quote in UK? Trying to shop around a little and wanna know if anyone has any ideas

What Multiline Insurance Company is the Best?

I need an insurance company that will do all line of insurance. Life, Auto, Home, Disability, Long Term Care and even Financial products. I heard COUNTRY insurance does that but I'm not sure.""

Life Insurance?

What is the best life insurance?

Not paying car insurance?

I have currently had my permit for 13 months and I am 20 years old. My mother inlaw was telling me I could get something called my fleet affidavids license and I wouldn't have to cover insurance on the car i'm driving as long as I have the same last name that is on the insurance. I honestly can't be expected to pay insurance when i'm just now getting my license and had no transportation what so ever to get a job to make money for insurance. Does anybody know anything about fleet affidavids license or have any information that might help me out? I can't afford insurance.

How much is car insurance for a jeep wrangler?

i am 18 and have a clean driving record

I got a car accident for the first time.. how much my insurance will go up?

This is first time I caused the accident and I had someone rear me before which came out as it wasnt my fault.... but accident that I caused I hit a school bus thankfully there were ...show more

What is the Best health Insurance???

I'm trying to get Insurance but I don't know if it comes with my job.....How do i get health Insurance..... I was wondering Whats the best Health Insurance out there that would help cover a lot of money.......Because since I'm older now my Fathers Insurance can no longer cover me and I'm trying to support myself...... Thank you all sooo much for your answers ^_^

Is car insurance calculator is necessary for the car owner?

I think car insurance calculator is necessary for the car owner, is it really true?""

Do life insurance companies check your medical records after you die?

Let's say that you get life insurance and claim to be a non-smoker. Then let's say that you start smoking or resume smoking. Assuming that your medical records show that you ...show more

Motorcycle insurance cost?

tried getting an online quote but they ask for vin # and other info i wouldn't really have without first buying the bike. if you have a similar bike what do you pay annually?

Is there a way I can drop my car insurance since I am not using my car?

I have not used my car in a few months but still have insurance on it. I still want to keep my vehicle though, but just have it in the garage. Can I drop my insurance? My biggest fear is that once I cancel it and want to start driving my car again I will have higher rates? Is there any way I can avoid this???""

Is insurance on bikes cheaper than cars at 17?

I am thinking of getting a bike when I'm 17 but I was wondering which one is cheaper? If I chose a bike it will probably be a 125cc but if I chose a car it will be like a ford fiesta type. Which one is cheaper to run and maintain?

Life insurance and mortage insurance?

I just bought a house and i have a new baby. Yay me! im 24 and I keep getting calls and letters about life insurance and mortgage accidental death insurance. Does mortgage insurance work like if i die will they pay my loan off so my son can keep my house? it says its 10.56 a month and will cover up to 200K my home loan is only 88k should i shop for something cheaper? and as for life insurance i have a 30k with my job but i want something private and someone told me do a term insurance. what happens after 30 year term is up? does my son not get that money anymore if im not passed on?

Car insurance help for teens?

im getting my drivers license this summer and next year november we have an extra car that a hundai that we can trade in to get a new car i was wondering if i buy a Mitsubishi lancer es or even something better would my insurance go sky high??

Should I buy car insurance or not?

I am a teenage driver of 16. Insurance is very high for a teenager. My parents have Allstate Car Insurance for four of their cars including a Toyota Corolla which im going to be driving. The Corolla is covered by AllState insurance. I have a California Driver's License and live in California. About 6 months ago, my mom asked the insurance company whether the insurance would cover the car if she lent the car to someone and the insurance company said that they would cover the car as soon as the person who borrowed the car has a VALID DRIVERS LICENSE. I have a valid drivers license but I am under 18 (I am 16). The insurance person did not say anything about age. My question is whether it is necessary or not to buy insurance for myself. It will be very expensive and I do not want to pay for it but I will If i have to. Do I have to get my own insurance for the car or not? If I dont buy insurance and I drive the corolla and get pulled over, am I okay or will I have problems?""

Is the jeep wrangler cheap for insurance?

Is the jeep wrangler cheap for insurance?

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

""What is the pros and cons of 3rd party,fully comp and no insurance?""

What is the pros and cons of 3rd party,fully comp and no insurance?""

WHERE CAN I FIND THE CHEAPEST AUTO INSURANCE WITH A DUI ON MY RECORD?

I GOT A DUI A YEAR AND A HALF AGO AND I AM ABLE TO GET MY LICENSE BACK LATER THIS MONTH. WHO HAS THE CHEAPEST INSURANCE? I LIVE IN THE STATE OF FLORIDA. THANKS

Any affordable health insurance for children in TX?

Any affordable health insurance for children in TX?

Is my insurance company liable?

My insurance company offered me a policy to cover a de restricted scooter which I agreed to take out, but in order for this policy to take effect I had to give up 4 months of cover totalling around 160 and pay a 80 deposit on the new policy. Last week I was sent a letter notifying me that my insurance was cancelled so I called them and was told that I had to return a copy of my CBT certificate. I rang on Sunday and was told a completely different story and that was that the company they placed me with had decided that they were not going to cover me even though the whole point of changing them was because they specificity dealt with my type of vehicle . They have now offered another policy for 515 pounds with is 100 pounds more than my previous and I am not willing to pay this as they lied to me and told me that I was insured to ride around even though they knew that I was not covered. I have copies of the insurance certificate to prove that they sold me the policy and all other relating documents. Please advise on what I can do.""

Cheapest car and car insurance for an adult first time driver?

hi i just passed my driving tests and looking for a cheap, small and reliable car. i am 27 and a full time student. i live in small UK city. would like to how much to expect to pay for car and road tax. what other things to expect to sort out. god bless you""

Best car insurance for young drivers?

My daughter learning to drive which is the best way to insure her as its very exspensive

How can i get cheap auto insurance in texas being 20 years old?

im 20 years old and im finally getting my own truck but I don't really have a whole lot of money so I cant pay an outrageous price for auto insurance. liability is fine with me but what is the cheapest I can get.

Which is cheapest car insurance in new york?

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

Why is my car insurance ridiculously expensive?

I've been using go compare for a Peugeot 206 1.1 litre petrol, and have been given quotes of about 6-8 thousand pound! I know for young drivers (im seventeen) car insurance is expensive but I was expecting 2-3 grand, am I maybe using a bad site?""

Is my auto insurance goes up after I got speeding ticket? How much would it cost me?

Is my auto insurance goes up after I got speeding ticket? How much would it cost me?

Does anyone know how much insurance would be on a Toyota Celica ?

This is in ireland but england cant be that different. I would be a new driver and only 17 years old and it would be by myself (not a named driver). And I'm a girl if that would change anything. Thanks xx

How much for cheap car insurance?

I am a young 17 year old female. I am looking for insurance so i can get my 1993 Lincoln Towncar on the road but I dont know a thing about insurance how much do you think it will cost and which company should I go for.

Which car models have good insurance rates?

I'm asking this question for a friend and she's curious to know some car models with good insurance rates. Any suggestions will be greatly appreciated :)

What is a cheap motorcycle insurance company for a srteet bike?

What is a cheap motorcycle insurance company for a srteet bike?

Can i buy contacts online using my insurance only?

I HAVE EYE MEDS INSURANCE?

Insurance settlement following motorcycle accident - GA?

The accident was ruled the other driver's fault. I had three pelvic fractures, dislocated tailbone, and fractured elbow. My health ins isn't paying, but the med bills have been reduced to the negotiated rate that my ins would normally pay. So my TOTAL OWED is about 2/3's of the initial total. Since pain & suffering is based on med bills times a multiplier, which amount will the ins co use? The larger total or the negotiated total? An attorney told me that this hospital is notorious for requesting the rest of the owed amount after the settlement has been reached, so obviously, I want the most money that I can get (and 13 weeks missed work!) Thanks""

Insurance on my boyfriend's car?

I recently got my license and haven't gotten a car yet. Since my boyfriend has two vehicles I am planning on using his car for work. He has liability on the car but I don't have any insurance and his insurance agent isn't sure if we can be on the same policy if we're not living together. Will I have to get my own insurance or is there anyway I can be covered by his policy? Please help! Any advice on the cheapest way to do this is appreciated. Thank you!

Where is the best online insurance in california without broker and billing fees?

i was wondering where i could find auto insurance online that i dont have to pay broker fees and billing fees in california, my insurance was $197.00 , but ended up paying $298.00 with the billing fees""

Motorcycle insurance cost?

tried getting an online quote but they ask for vin # and other info i wouldn't really have without first buying the bike. if you have a similar bike what do you pay annually?

How much does it cost to insure a Ford Mustang?

Now for my first car I really wanted a Ford and the only one I like is the mustang. I know that they are sports cars so the insurance is high but I would like to know exactly how much it would cost for insurance especially since it would be my first car.

Full time college student in need of health insurance?

I am 19 years old. The university in which I attend require students to be insured through out the school year. I don't have insurance, as well as my parents. Is there any program I can apply for health insurance other than the school's? My father is a self employed truck driver so there is no benefit from there. It will be helpful for a link and not to general and broad. Please and thank you.""

What is the ideal assurance do you expect from your car insurance?

What do you want to hear most from your car insurance company?

Where can I find cheap auto insurance?

I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?""

Switching car Insurance companies?

With lower rates given by other insurance companies, wanting me to switch. What is the catch . My current company says watch out for hidden fees and their drop clause. . Is the coverage the same? May be dropped or hugh increase after a claim.Been with current co. more than 10 years. Looking to save some money.""

Where is my car insurance?

Which insurance campaign insured my car

Can home insurance companies completely deny you because you have a dog that attacked someone at one point?

I'm going to try to keep this short.. just know that, this is for my dog and I'm trying to save him... he's a 10 year old Akita. A year ago, our family dog bit someone. They sued for an insane amount of money, but it wasn't our fault completely, so our home insurance and their health insurance settled out of court for a lot less. Still, the settlement was expensive, and our home insurance didn't like covering a 6-digit figure claim because of the dog so they dropped us. Since then, all home insurance companies don't want to cover us, even if we don't have a dog , this information is by my father who doesn't like the dog already. There is only one house insurance that will cover us, according to my father, but they will only cover us if we don't have a dog, and even then they will charge 4 times as much. I'm not old enough to completely understand how insurance and claims and contracts work, but I'm just trying to save my dog, because my father is going to put him to sleep by the end of this month. I just need a good starting point or phone numbers that could maybe discredit what my father has been saying, or anything that could help. We live in Southern California. Apparently Akitas are listed as vicious, but at the age of 10, he's old enough to be mellow, but still too young to put to sleep. Any help would be appreciated.""

""How do i find car insurance for my 55 Chevy Bel Air, in Australia?

we have recently bought a 55 chevy (left hand drive) but i cant seem to find any insurance companies on the net to get a quote on how much the insurance will be...can anyone out there from Australia in particular help me out? thanks :)

Does the Affordable Care Act force employers to PAY for or just PROVIDE insurance?

I've heard so much about how an employer with 50+ employees will be required to [provide] insurance to their full-time employees. Nowhere, I mean nowhere have I read clarification as to whether this actually means they have to PAY for their employee's insurance or simply PROVIDE it, which is a huge difference. My employer (a hospital) has always PROVIDED insurance but they don't PAY for it. They simply PROVIDE employees with the option to purchase their expensive insurance, which is like $250/month for part time employees. It would literally be 50% of my paycheck to purchase the insurance my employer PROVIDES. Can someone clarify the difference?""

Need help with car insurance. ?

Im 16 and got my first car, i have been looking for a place to get cheap car insurance .... please tell me some good places to get the absolute cheapest car insurance.""

How much would cheap car insurance be in california?

im 18 and its my first car whats a good estimate for cheap insurance

Replace Old Car Insurance or Go With a New Policy?

I just bought a new car and quoted Progressive about replacing my old car with the new one, seeing how much a difference the premium would be. It got a little high, to say the least. When I tried just going through adding a new vehicle alongside the old one, the premium was about what I paid on the old vehicle originally, only with comprehensive and collision added. My question is, should I go with a completely different company rather than Progressive, let the old car insurance expire, and just get on a better rate elsewhere for new policy holders? I'd appreciate any help.""

I just got my car but it needs a few things for it to be awesome how much will this cost me?

For my graduation present my dad got me a car! Its pretty cool and it runs well but it needs a few things for it to be to my liking, they arent needs just wants that i plan to pay for but i have no idea how much they would all cost. Ok so i can give u a good image in your head its a green Daewoo, Nubria and its year is 2000 so i hope with this info youll know how to answer my question. 1) Air conditioner. if u look at the inside you would see the air conditioner and u would think that if u turn it on it would work but it doesnt so i need to get that fixed especially in a state like ARIZONA where its always hot lol 2) New radio. I need one installed bcuz the one it has in there doesnt have sound and u need a code to use it. 3)Wheels and Rims. It has wheels but no rims and i kinda want new wheels lol whats a good size wheels for this type of car and what kind of rims should i buy is there rims for this type of car with the daewoo symbol? 4) Paint job. Ok so this is important my car is a dark green like spinach leaves lol i like it but it has white scratches all over the left and right side and the roof looks pretty worn out so i want it to be spray painted you know like in pimp my ride lol idk whats a good reasonable price for that but just write down a good estimate. 5) The front bumper. on your left side of the front bumper you know right below the headlites and the grill its broken and it dangals a little. Its perfect on the right side but scratched up quite a bit. So i want to get this old bumper off and install a new one. how do i go about doing that do i have to order the part or what exactly do i do keep in mind it doesnt have insurance yet but if it did could the insurance company do somehing about that? Ok so thats it thanx for reading and i want this answered in numerical order you know just line them up like this. 1) how much it would cost and a description or extra info i might need to know or consider 2) how much it would cost if i want a new modern radio like the one u can take off and put back on. 3) how much it would cost and all the general info 4) how much it would cost and give your opinion on a cool color to consider for this car 5) how much it would cost and how i would go about doing it Feel free to write as much as you need to on this to get the message across and remember exact prices are great but if u want u can give me estimates. thanx again for taking the time to read this. lol""

Car insurance for 18 yr old male RIDICULOUS?

I'm 18 and male, so turns out car insurance companies think its okay to rape my wallet. I've been looking at a few quotes on different sites and they come up in the $300-$400 range. I tweak a few things, telling the generator that I'm a 30 year old married woman and then it magically drops to $70 per month. This is crazy, I'm an extremely careful driver, I never drive over the speed limit and I constantly check my mirrors. How the hell do young males afford it?""

Will my insurance go up if i wrecked in a ice storm?

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https://www.linkedin.com/pulse/prosure-pet-insurance-quote-alfred-wright/"

[theconservativebrief]

Nothing says spooky quite like Friday the 13th — that quirky day when all our superstitions and phobias come out to play.

But why is Friday the 13th so scary? You probably know, of course, all about how unlucky the number 13 is — even though in terms of classic numerology, it’s just another number. Maybe you suffer from fear of the number 13, a phobia famously called triskaidekaphobia — or specifically fear of Friday the 13th, which is less famously known as paraskevidekatriaphobia.

But why Friday? Why does the simple act of combining the greatest weekday with the worst prime number strike such fear into our hearts?

The answer is a complicated tangle of folklore, history, and good old superstition. Let’s take it a piece at a time.

Worst party ever. The Death of Baldur, Christoffer Wilhelm Eckersberg, 1817

Humans have always been fascinated with numbers and the idea that certain numbers carry a deep spiritual, esoteric, or occult significance. Maybe you’ve heard about people who become obsessed with the number 23, or read memes about the significance of the number 11. Maybe you just have a lucky number of your own.

Certain numbers attract dark superstitions — from the “devil’s number,” 666, to the devil’s hour, 3 am. The number 13 may be the darkest of them all, however. Maybe you’ve worked in a building with no 13th floor — or maybe you’ve avoided the 13th floor yourself. Maybe you’ve read of people whose obsession with the number tormented them — like composer Arnold Schoenberg, who was born and died on the 13th of the month, and was terrified of the number all his life.

The idea of the 13th day of the month being unlucky may have first taken hold in ancient Greece, around 700 BC, when the poet Hesiod penned a farmer’s almanac called Works and Days. In his almanac he cautioned the farmer to “avoid the thirteenth of the waxing month for beginning to sow,” though he doesn’t explain why.

For most of recorded human history, the number 13 was associated with Jesus and his 12 disciples, and specifically the evening of the Last Supper, which found all 13 of them assembled together, with Judas being received as the 13th guest. (And we know how that turned out.) The story of the Last Supper also coincides with a similar story in Norse myth in which Loki crashed a Valhalla dinner party as the 13th guest, bringing immediate chaos and destruction with him.

Ever since Loki and Judas, the idea of “the 13th guest” has long been considered sinister — see various vintage mysteries built around the idea. “Notwithstanding … opinions in favour of odd numbers,” reads a source cited by Snopes dating from 1787, “number thirteen is considered as extremely ominous; it being held that, when thirteen persons meet in a room, one of them will die within the year.”

Over the centuries, the fear of and eagerness to avoid the number 13 essentially became one of humanity’s longest-running memes. By the arrival of 19th century, skyscrapers were being built without 13th floors and men were defiantly forming “Thirteen Clubs” — societies made of 13 men who deliberately met to defy the odds and debunk the superstition put in place by Judas and Loki centuries hence. The Thirteen Clubs reportedly included five US presidents, from Chester A. Arthur to Theodore Roosevelt.

Not included in that collective was Franklin D. Roosevelt, whom biographer John Gunther described as mildly superstitious when it came to variants of Friday the 13th: “He hated Friday the thirteenth, he would never start an important trip on a Friday if he could help it, and he disliked sitting down with thirteen at dinner.”

All this is well and good, but you don’t get an unlucky Friday the 13th out of nowhere. And as it happens, we probably wouldn’t have the concept of unlucky Fridays without Chaucer. In his Canterbury Tales, he fashioned Friday to be a day “of misfortune.”

Of course, what most people miss about Chaucer is that both of these references are ironic, full of mocking tragedy and humor (it helps to think of Chaucer as an internet troll before the internet), and the reference was a considerably more layered one than it seems at a glance. So it’s anyone’s guess as to whether the day itself was actually considered generally unlucky in the late 14th century, or if Chaucer was just being Chaucer. But skip forward 200 years or so and we have a better glimpse at the phenomenon unfolding: In 1592, the playwright Robert Greene coined the expression “Friday-face,” which was shorthand for a look of gloom or dismay.

There’s not much context for this usage either, but it’s clear that by this point in human history, people were starting to view Friday with a wary eye. In 1633, in his play A Match at Midnight, the Jacobean playwright William Rowley described “A plague of Friday mornings — the most unfortunate day in the whole week.” Just a scant 20 years later, another minor English dramatist, Richard Flecknoe, was anecdotally given credit for penning this ditty: “Now Friday came, you old wives say, Of all the week’s the unluckiest day.” In 1898, the Dictionary of Phrase and Fable noted that Friday is considered an “unlucky day” in Spain, and cited yet another rhyming aphorism: “But once on a Friday (’tis ever they say), / A day when misfortune is aptest to fail.”

So now we have the two halves of our whole superstition in place. But how to combine them?

For that, we need some good old-fashioned modern-day reality creation.

Illustration from Thomas Lawson’s 1907 novel Friday, the Thirteenth. Gutenberg

It’s a commonly held belief that the reason Friday the 13th is considered unlucky is that on Friday 13, 1307, a raid on the Knights Templar took place, essentially wiping them out. The belief that this is the source of the “Friday the 13th” mythos got a huge boost from Dan Brown’s The Da Vinci Code — but it’s totally bogus. As National Geographic points out, some knights were arrested on that date, but it had nothing to do with the superstition.

Basically, no one cared about pairing Friday and the number 13 until the 20th century. The 19th century, as we’ve seen, was full of references to the number 13 being unlucky. But it took the 20th century to bring us the magic of Friday the 13th.

That’s largely thanks to Thomas Lawson’s 1907 book Friday, the Thirteenth. Lawson, a notorious stock market promoter who was essentially a turn-of-the-century Wolf of Wall Street, wrote the book about a fictional stockbroker who chooses that day to deliberately crash the stock market. It’s only a year later that we see the first known mention of Friday the 13th in the media: a notice in the New York Times from March 14, 1908, notes that one brave senator had defied the odds and “introduced thirteen public building bills” into the Senate on the unlucky day. “Friday the 13th holds no terrors for Senator Owen,” the Times declared.

From there, the myth around the day continued to build, as myths will do, and by the time we reached 1980, and the beginning of the Friday the 13th movie franchise, the superstition was firmly in place. Not only was the franchise’s villain, Jason Voorhees, born on Friday the 13th, but the cyclical events that characterize the first film, occurring decades apart, also occur on Friday the 13th. According to the Friday the 13th Wikia, only five of the series’ 12 films occur on a Friday the 13th. (And how weird is it that the Friday the 13th film series has just under 13 films?)

Were he able to see the results of his original tale, Lawson might be devilishly pleased: According to some estimates, modern fear of Friday the 13th contributes to a routine loss of between $700 million and $900 million in revenue that would otherwise be gained on that day, all because most people don’t want to push their luck. You can fly cheaper on Friday the 13th — because no one wants to be in the air on the unluckiest day of the year. And stock prices tend to fall on Friday the 13th, because — well, chalk it up to the Lawson curse.

No. There’s no compelling evidence that anything historically bad ever actually occurred on a Friday the 13th to give rise to this superstition. So there’s no need to fear the day, or to refrain from doing any of the normal things you’d otherwise do.

If you must indulge in folkloric whims, just throw some salt over your shoulder. You’ll be fine.

Original Source -> Friday the 13th isn’t unlucky. It’s a meme disguised as superstition.

via The Conservative Brief

[captain-unlikelynutbouquet-blog]

Why does car insurance for a 18 year old have to be so expensive?

"Why does car insurance for a 18 year old have to be so expensive?

so i got a quote the other day they are asking for 1200-1300 for a 6 month policy. why is it so damn expnesive im 18 been driving for two years no car accidents or tickets. im a safe driver and every thing drive an old 98 ford f150 pick up. one year of insurance is what my truck is worth so why does it make sence to pay that much when im a safe driver with a perfect driving record.

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

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Shopping for car insurance?

what are some good car insurance agencies out there?

Teen insurance for cars/driving?

I'm not allowed to learn how to drive till I'm 18 but I was wondering about all the costs?Like how much a cheap car would be, how much insurance I'd need/cost, and how much is it to take driver's ed? If I left anything out, please tell me.Help?!""

Do I have to make an appointment to get car insurance ??

or do i go in the car insurance building and they give me insurance that day ??

How much is car insurance for a 16 year old?

It is a 1998 ford explored 4.0l engine 2wd. I bought it for $2800. About how much is it going to cost for insurance a month. my parents have state farm

How do I get health insurance for my 2 year old son?

I have a 2 year old son and me and his mother are separated and I want to get him a health insurance plan. His mother is not working now and I work on my own so I don't have health insurance from work to cover for him and we are about to go to court to settle for child support and custody and I want to have him on health insurance. Please any help will be appreciated. Where do I go or where do I call? is any health insurance good or how does this work? Thanks.

How long can I not have insurance before my car is repossessed?

This month I am not going to able to pay my car insurance due to other bills coming up. If I cancel my policy this month how long will I have before they repo my car? I live in New Hampshire.

Is affordable life insurance possible for someone over 70?

And from where can I get such insurance?

How much would car insurance and tax cost?

I was just wondering how much car insurance and tax and anything else i would have to pay other than the price of the vehicle would cost a 23 year old in England on an Automatic Chevrolet Camaro, Automatic Range Rover Sport or an Automatic Ford Mustang GT.""

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deducatble do you have? feel free to answer also if you do not have insurance.""

Car insurance help - first time driver!?

First time driver :) I'm 19 & female. I'm hopefully getting a car by the end of the year. So I was just checking the general insurance prices (I know they change regularly, but I just wanted to see) Anyway, I typed all my information, I was the main driver (I didn't put my parents down as additional drivers either) and the cheapest price was 694.94 - would that have been for the year? It was full comp too. It also had a total excess price, what does that mean? I'm really confused; I though first time drivers had high insurance?? BQ: If I got my car within the next month; then asked my dad to teach me, would I then be able to take a couple lessons with an instructor before I took my test? Or would I need to have all my lessons with an instructor? Thanks!""

Why not lower heath care insurance than universal health care?

I pay $450 a month for my health insurance, why dont they just cut the cost in half? Then people could afford it. Its alot for me but worth it, i had spinal meningitis at 18 and without id be dead.""

What is the cheapest auto insurance company?

looking for a very affordable auto insurance quote/payment per month. Anyone knows? please and thank you.

Where can I find insurance that will pay my mortgage payments in the event I should become disabled?

for the duration of disability ...and/or life insurance that would pay it off entirely in the event of my death? The best and most inexpensive solutions?

Why do we have to pay car insurance?

Unless you are a really bad driver car insurance is a total joke. I mean how many reckss does a person get into in his life time. im saying on average about 2 or 3. and if your paying 600 bucks or more every 6 months thats one thousand plus dollars a year. in 30 years you could buy your self a new mustang. It really makes no sense that its a law to have car insurance when you could just put 600 bucks in a savings account if you ever need it. I think the insurance companies should give us our money back every 10 years or so if we are good drivers

What are good insurance companies for young drivers?

I've used comparison sites and the cheapest quote was 850, Aviva was 690 are there any other good companies that offer cheap insurance to young drivers? I do not want one of those box things. I'm 20, held my licence for 20months and have 1y no claims.""

""My car was a total loss, my insurance wants to go for a settlement? ?""

My car was a total loss, my insurance wants to go for a settlement? how do i know that they are giving me a fair settlement? do i check the blue book value for my car when it was brand new, or as a used car(coz i bought my car as a used car with 23,000 mileage), or would they pay it as used plus the current mileage when my car was declared a total loss (it has 30,000 mileage). I bought my car, a 2005 honda accord coupe with 23,000 mileage <--- how much do they normally settle with this car?""

Is car insurance cheaper in the US compared to UK?

Is car insurance cheaper in the US compared to UK? wouldn't be surprised if it wasn't since you are allowed to start driving at the age of 16 in US.

How can a 17yearold get insured on a classic car?

I'm a 17 year old driver in staffordshire, i'm looking to purchase either a triumph gt6 or a triumph spitfire, however the insurance quotes im getting (even with my dad as the main driver) are over the value of the car! (approx 3500). does anyone know any specialist companies i could contact? thank you in advance""

Backdated car insurance?

A while back, my husband drove my moms car and totaled it. At the time, we had no car, so we werent carrying insurance. A telephone pole had to be replaced. ANYWAYS, my parents insurance said they are going to cover it. Since then, my husband and I bought our own car and our own insruance. NOW my parents insurance company keeps calling and they want our insurance info so they can bill OUR insurance. When he had the accident, we explained we had no car insurance. Then they called, and my husband had said we have insurance now, but i tihnk she thinks we had it then too (even though we've told them we didnt, which we didnt at the time). They keep wanting the information so they can backdate our insurance and have them pay for the accident. From everything ive read, this is fraud and is illegal. Is this true? They called again today wanting the information and we werent home, and my parents keep saying we never had insurance at the time, so tech. our insurance NOW has nothing to do with it, and it cant be covered by our insurance since we didnt have it at the time... im confused. can someone explain this to me please?""

Does Geico Car insurance cover Rental Cars?

Does Geico car insurance cover rental cars? Or does it JUST cover your car that you have insured w. them?

Why does car insurance for a 18 year old have to be so expensive?

so i got a quote the other day they are asking for 1200-1300 for a 6 month policy. why is it so damn expnesive im 18 been driving for two years no car accidents or tickets. im a safe driver and every thing drive an old 98 ford f150 pick up. one year of insurance is what my truck is worth so why does it make sence to pay that much when im a safe driver with a perfect driving record.

Is their a mazda 6 with low insurance in florida?

what year? model?

""I totaled my car, do i need gap insurance for them to pay off the vehicle?

i have totaled my car and i have full coverage. will my insurance company pay off my vehicle?

Best way to file claim for Allstate home owner's insurance?

My husband and I have minor storm damage to the roof over our master bedroom. And now water has managed to get into the wall and is making the sheet rock bubble up, as well as causing cracks in the ceiling in that one particular spot. Allstate sent an insurance agent out and they said that after our $1,000 deductible they are only willing to pay about $400 over the cost to fix it. So...should I get a contractor to assess and give me a quote, and then re-file a claim with the insurance adjuster? If so, how should I go about doing that?""

I'm a 17 year old guy wanting to earn some extra money to help pay car insurance what can i do?

I'm a 17 year old guy i'm looking at an extra way of earning some money sensibly to help pay towards my monthly car insurance i already hold a day job any help would be appreciated thanks

What company offers best auto insurance rates for not so good driving records?

What company offers best auto insurance rates for not so good driving records?

I bought a stolen car and the insurance company offered me to buy again at a high price?

I bought a Audi 05 reg for 13k privatley that turned out to be stolen. The insurance company have now offered me 15k a ridiculous amount of money to buy it again, that they say is non negotiable. Does anyone know if I can get it cheaper maybe the insurance company is trying it on as they know I want it, or shall i let it go to auction and try and buy it back then.""

Retroactive auto insurance premium?

I obtained an auto insurance policy in August 2007. In January 2008 (five months after the policy was purchased) I received my policy renewal. The renewal price was substantially more than the initially policy cost because the insurance company had written my original policy with innacurrate information (assumptions they made that were incorrect, there was no falsification on my part). I cancelled the policy and found a new provider. The insurance company then sent me a bill retroactively charging me for the original policy with the new information and premium changes. Can they retroactively charge me for the policy that I had already paid in full based on our original agreement? Does the insurance company have any legal recourse or right to collect this money? I already filed an official complaint with the NJ Dept. of Banking and Insurance and am waiting to hear back. BTW don't need people's opinion, looking for response from someone who knows the laws in regards to this""

Can i use my car insurance to pay for damage to my car?

Some idiot decided not to own up to denting my car at the weekend, so now i am left to foot the bill which judging by the damage is not going ot be cheap. The moron whoever he/she is has dented both passenger side doors. As i have never been in this situation i am not sure if i can use my car insurance to pay for the damage, especially as i dont know who damaged my car in tyhe first place. I am fully comp with Tesco.""

What options are availible to me for life insurance for my father who has pre existing conditions?

My dad over the past several years has seen his health go down hill, and until recenly, i have not been able to afford a life insurance policy for him. He has had strokes and heart attacks, so there are some pre existing conditions. Are there any life insurance policies that are affordable, that would cover him? Im just looking for something that would cover funeral cost.""

Insurance on a reeeeeeally cheap car?

So here's my story. I want to learn to drive standard before I purchase my serious car but the thing is, I dont know how! Now, I've asked almost everyone I know that can drive standard to teach me but no one has kept their word. I found a cheap car that's standard (has a turbo too!) for a really low price. When I'm driving the car home (when/if I buy it) and when Im driving around learning how to drive a standard, do I need insurance on the car? Is there anything I can say so to the insurer so that I dont have to pay that much insurance? I plan to drive the car for maybe 2 weeks until I'm confident driving one. How about license plates? Do I need to buy a new one? Can I just renew an old plate I have laying around? Thanks!""

MotorBike Insurance For CBT...?

i was just wondering if i bought a Honda CBR 125r and i got a provisional license ad done the CBT would i need insurance to ride on the roads for 2 years or would i not need insurance until i could save up money for lessons, theory and practical test....???""

Title insurance in WA?

My lender charged me about $2,100 (for both lender's and owner's title insurance) for a home price of about $260,000. Is this normal? How much the rate for title insurance in WA state? What is the best title insurance company in WA state? Thank you in advance. Jo""

Do you think insurance policies are a waste of money?

i dont mean the ones we all have to have like motor and house insurance. I mean, small insurances for electical goods etc""

What is the cost of an insurance for a 250 cc scooter? (Louisiana)?

I know that there are many options, but a vague answer is fine. I just want to know if it will be around 100$ or 500$.""

Is there any website where I can look up insurance rates for every car??

just want to see which cars are expensive to insure and which cars are cheaper. I just want a list like highest to lowest. I don't need specific rates.

Car insurance question?

hi, I'm currently 25 years old and will turn 26 on October, my question is will it be cheaper when i buy car insurance on october when i turn 26 or it will be the same from now? I lived in New York City. Thank you for your help""

""Car Insurance, and car choices for a new driver?""

I am 27 and just recently got my license. I know my insurance is going to be high regardless but I am looking into cars and was wondering what type of car would be cheaper for me to have insurance on? Should it be a 4 cylinder? Antilock brakes? A certain color? Alarm system? Are some cars higher than others? I would like to get either a honda civic or mitsubishi eclipse (my dream car). I'm just worried that the insurance is going to be through the roof. If those cars are going to be high, what kind of car would you reccommend?""

Will my parents find out about my car accident through insurance?

i was in an accident and mind you im 17 years old, i have insurance. the thing is i was driving my friends car. someone crashed into me after running a redlight so it was their fault. the police told me i still have to contact my insurance co. to report the accident (even if there was no injury or deaths) im wondering if i report it will this show up on anything in my dads paperwork? since he manages all this stuff. the police told me there wont be any report. so if i report it over the phone what will happen? i have AIG by the way . thank you.""

How can I get health insurance?

Me and my family are moving to Arizona in August, we are now living in Illinois and are receiving medicaid, but we are forced to move out of state for some personal reasons we make about $2,100 per month but that is because my Dad is on Social Security Disability cause of a back injury when he was working, our rent will be around $1,000 and that take about 1/2 of our money and there is no way we could afford health insurance as well as getting everything else""

Do I really need insurance for a motorcycle in California?

Do i need insurance to ride a motorcycle in california? To get a license for motorcycles? please help!

Types of car insurances?

types of car insurances available?

""How much is insurance going to cost me, 18 and driving a Nissan altima?

How much will it cost to insure myself at this age?

Term insurance or whole life insurance?

I want to get life insurance, but I am not sure whhich type of insurance I should get. I have done lots of research and majority of the research tells me to get term life insurance, but I am still confused to why. Here is a little about me: 30 years old, married, and have a baby. Non-smoker, and overall healthy, minus some arthritis. My first thought is to get whole life insurance because it definitely covers my family if I pass away when I am a lot older. However, I then hear that whole life is not a great investment - too expensive and lot of cost/fees involved, you don't really know how much of your premiums are going into your insurance and how much is going into the savings where the company invest the money. After hearing that, I think well term isn't so bad then. I get a lower premium for the same amount of life insurance. But then, I know term insurance only last a limited time. I see 30 years usually being the longest term life insurance. Well 30 years from now (considering nothing happens to me in the next 30 years), I will only be 60. That is still pretty young and then I wil have to renew my term insurance, but at 60, my premium will be a lot more than it would be right now. SO as you can see, I am at a lost and have no clue what to do. I would like some opinions, feedback, suggestions, etc, that would be much appreciated. (side note- when explaining which insurance is better, please explain in simple terms. I posted awhile back and I had some responses with very advanced insurance explanations that confused me! lol). ;) Oh, I do have life insurance with my company, but it's not much and I don't see mysefl staying with this company, so I prefer getting my own private life insurance.""

I'm 17 years old how can i get my insurance premium cheaper please? Any help is appreciated thanks?

Heya i was wondering how a 17 year old guy can get his insurance premium down please thanks

""How much is insurance for new drivers? People are saying 1000 - 3000, how can it be that much money... ?""

I am unemployed at the moment, but even with a part time job I wouldn't be able to afford that sort of money a month. I mean that is a lot of money, considering you have to also buy a Car, tax etc. Is this a true amount? I am 22 years old ( nearly 23 ) and I am planning to start my lessons, but I wanted to find out how much it would be to run a car before I started lessons. So I searched for Insurance, Tax, Fuel etc, and the prices for Insurance that people were saying on forum's were crazy! Is this right? Can it really be correct?""

Why does car insurance for a 18 year old have to be so expensive?

so i got a quote the other day they are asking for 1200-1300 for a 6 month policy. why is it so damn expnesive im 18 been driving for two years no car accidents or tickets. im a safe driver and every thing drive an old 98 ford f150 pick up. one year of insurance is what my truck is worth so why does it make sence to pay that much when im a safe driver with a perfect driving record.

https://www.linkedin.com/pulse/places-get-online-insurance-quotes-megan-valenzuela/"

[sassyhottubstrawberry-blog]

How much would insurance be on a 2006 Dodge Charger SE?

"How much would insurance be on a 2006 Dodge Charger SE?

im graduating next year and i was just curious about how much insurance would be for a 17 year old with a charger.

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

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I recently got a speeding ticket for $198. I've only been pulled over twice, once in 2006 and then this current occasion. I'm a college student and I'm very short on money and I'm unsure as to what to do. I've already saved $100 and when I get paid again, I'll save the remaining amount. However, I hadn't thought about traffic school just because it's about $30 for the class and then an additional $10 to get the certification sent to me and by that point, it'll be close to 30 days and I have to mail the ticket and payment out since I was pulled over in a different county. And, it would end up costing me more money in the end. I'd receive 4 points on my license without taking traffic school. How bad is 4 points? Will the points make my car insurance go up? What's the best thing to do in this situation?""

Why are my car insurance rates so high?

To start, my girlfriend is insured completely separate from me and in no way affects my policy. My girlfriend was recently in a car accident. This is her second at-fault accident in a 2 year period. Her car was totaled in the accident and she was trying to get quotes for insurnace on a new vehicle she will be financing. She has been getting quotes around $270/mo and below with the history I stated above. She did have one company give her a quote of $170/mo, then State Farm said they could forgive her first accident and she would have to pay around $136/mo I have never been in an accident, I have never received any type of ticket, I have nothing on my record. Getting a quote on the exact same car (2004 Toyota Rav4), just in my name and with the financing in my name, my quotes average $300. This is insane. My car is currently going through my parents insurance so I only pay $40.00/mo to them and it's all good, but I decided to get some quotes on my car just to see how much it would be... The car is a 1994 Toyota Corolla, 4DR sedan. I am 19 years old, will be 20 very soon. Like I said, I have a CLEAN driving history. My quotes on this car are as follows for liability coverage: Allstate: $113/mo Progressive: $162/mo State Farm: $262/mo Now, to me, this is insane. My girlfriend's insurance was about $50.00/mo on her Dodge Stratus. She wrecked it. The insurance on her new car, which was only liability again, was just $60.00/mo. Now she is getting the $135 to $170/mo quote for full coverage on this Toyota Rav4. If anyone can help me understand how she can get cheaper FULL COVERAGE insurance with her driving history than I can get of LIABILITY insurance with my history, please do. This makes no sense to me at all.""

Where can i find cheap home insurance in Oklahoma?

I am looking for a good price on home insurance but also a good quality policy in the great state of Oklahoma. Where can i go online and get a quote directly from a real insurance agency in my state?

What kind of insurance should young marrieds have?

My husband and I are 30 and 35 and in good health. He works and I'm a stay at home wife. I'd like to ensure that, should something happen to either of us, the other is 'taken care of' financially. What kind of life insurance policy should we consider? Are there other types of insurance policies we need like disability, etc?""

How much does scooter insurance cost in Ontario Canada? for a 49cc?

How much does scooter insurance cost in Ontario Canada? for a 49cc?

How much damage will the other drivers insurance have to pay?

My son was involved in a collision this morning. The driver of the other vehicle pulled out right in front of him and he rear-ended them. The driver of the other vehicle was cited for failure to yield and the state trooper that handled the accident said that the collision was unavoidable on my sons part. The question concerning me is that my son did not pay anything for the car he was driving because it was given to him by my daughter. The car has a salvage title because it had apparently been totalled before but had been restored. The car probably would not be worth very much even had it never been in an accident because it is a 1986 year model Pontiac 6000. Now he is without transportation unless I provide it. Will they only be required to pay a salvage price for damages or what?

Where can i get cheap fire & theft only car insurance.?

My car is currently off road at my parents place in their locked garage. All the insurance companies i have tried don't do just fire & theft which is what i need until i can drive again. Please help as i have had no insurance for a week already but i don't want to risk it.

What is best single Premium Insurance Policy?

My father looking Good Return Single Priemium Insurance Policy and father age is 58.Please help me.

How long do you have to have SR22 insurance? It's really expensive and my case was settled over 2 yrs ago.

How long do you have to have SR22 insurance? It's really expensive and my case was settled over 2 yrs ago.

What is the best and cheap health insurance?

I came form a different country so i dont have any insurance when i came to california. What is the best that i dont have to pay anything when emergency and cheap like $30 per month.

Car wreck insurance question ?

I was involved in an accident.The other driver was found to be at fault and cited a ticket.His insurance company has told me my car is totaled.The frame is not bent.I feel my car can be fixed.I received a letter from his insurance company stating that they will not pay for the towing bill and after the 23rd would not pay for the storage bill because my car is considered to be totaled.The accident or crash report just came out yesterday it pointed out all the facts about the accident .The other driver is at fault.I asked them today what they were going to do they said they are still investigating the accident and were not going to make any decisions.How can they send me a letter about towing and storage and not have given me any check for my vehicle or made an offer or anything and then tell me they are still investigating the crash.How should i approach this whole thing ?

Ford Fiesta Zetec s 1.6 Insurance?

turned 17 and just passed my driving test living in london. was thinking of an Ford fiesta zetec s 1.6 Xreg Shape? however is the insurance cheap on it ? or are they any other 1.6's + that are cheap to insure at this age? e.g. E36 318i?

How much would insurance be on a 2006 Dodge Charger SE?

im graduating next year and i was just curious about how much insurance would be for a 17 year old with a charger.

How can I find a cheap but good dental insurance?

I need braces so I want orthodontics to be included. I am considering family insurance since it usually isn't much more.

HOW come insurance co?

how come insurance co discraminate against people who have mental disease? I have tried in the past to get private insurance but because i have been treated for depression in the past, I have been denied by several companies. Now only I qualify for the State insurance, and it is way over-priced and hardly covers anything. This isn't fair to those of us that are self-employed. How are we able to get affordable insurance, if we are discraminated against.""

How much is car insurance for a 16 year old living in southern Cali?

Lets say he has good grades. Lets also say the parents of this child have great credit scores. I cant get online qoutes because he is not over 18. Any estimates? Anthing would help. Thank you.

Which Car Would be Cheaper to Insure?

2001 Celica 1997 Spyder Eclipse Neither are GT! I'm just wondering which would be cheaper. ((BTW Yes I would pay for everything myself!) Sorry for the all caps buuuut..PLEASE DO NOT GIVE ME A WEBSITE OR TELL ME TO CALL AN AGENT. I'm not looking for a number I just want to know if they would be much different in insurance prices. One more question, would they be much cheaper than the 2001 Mustang Convertible, if so a lot cheaper, or a little? I got a quote on the mustang a while ago, so I know how to compare that some! 16 year old Female. Thank you for those of you who answer my question!! :)""

Question on best company for classic/historic car insurance?

Our family has had State Farm for 70 years now, several generations, and in the last 10 years or so we have been progressively more & more disappointed in their caring and customer service. Maybe its just the 'assistants' that my local SF agent (who never talks to his clients any more) use, they both seem to have just horrible attitutudes, sarcastic, and act like you are a complete PITA every time you call. I even have an email from his main assistant that I asked her to forward to the actual agent because I was told he was the only one that could answer my question, and just today I was SHOCKED when I re-read the email, and saw in the forward of my email when his assistant sent it on to the actual SF agent, She said This guy will just not give up, he keeps haunting me about this issue! I couldn't freaking believe it. I was going to forward the email to SF headquarters in Bloomington IL, but then as I read more & more about state farm I saw they are completely independent agents in each office, and have literally NO ONE who is their boss or who can reprimand or correct them. This is unbelievable. If I treated my customers at my work place & gave them the rotten attitude treatment we get from our SF office here, I guarantee you I would lose my job. No one is in charge at state farm obviously. Back to my question - I recently bought a classic car I have been looking for a long time - getting it next week - it is 25 yrs old, all original & in perfect shape. My state (Maryland) lets me register the car as Historic if it is 20 yrs old or more. I plan to do this. I contacted my wonderful state farm office today, to get a quote on a new policy/binder for this collectors car. They apparently don't like insuring a vehicle as Historic, maybe the policy is too cheap & they do not make any money off it. The 'assistant' said the best they can do, even if I REGISTER this vehicle in Maryland as Historic & get an Historic tag, which I will do, she said the best she can do is insure it as part time, occasional pleasure use, under 7500 miles a year . Which of course is NOT an historic policy. You can get that on ANY extra car you have in your household even if it is a 2011 model !! She did say (and I understand this being required) that in order to have is classified as Antique/Classic/Historic, you have to have an appraisal done on the vehicle as if it just came off the show room floor -then the premiums would be much lower if you had full coverage on it, as historic/classic . So here we stand. Can someone out there please help me understand - am I being taken for a ride by my State Farm office? Should I shop around for insurance companies that just specialize in Classic/Historic auto insurance? If so can anyone recommend the best companies that specialize in reasonable insurance for classic/historic vehicles? Thanks for your help. .""

Is it a smart Idea to get a Life Insurance at the age of 21?

Is it a smart Idea to get a Life Insurance at the age of 21?

""How long will I have to work until I can get a car, and insurance?

I'm 16 and plan to work at McDonald's or a local restaurant. It'll be after school so I'll only be earning minimum wage. How long will I have to work to earn enough money to buy a car and insurance? Thank you!

Can i drive my dads car without insurance?

Alright so i live in Ontario, Canada. I just recently got my G2 licence, and i am dying to drive the car, but my dad isnt sure if he would need to get insurance in my name on the car which i will drive. he already has insurance on the car, however its on his name. Can i legally drive that car if the insurance is not on my name?""

Cheapest insurance for a 05 ford mustang?

am 19year old and have my licenses for 2 years. a also financing the car.

Isn't the expected value of health insurance for a healthy purpose going to be highly negative?

And so, it might be unwise for a healthy person to purchase health insurance on the individual open market? First, we have the insurance companies as a profit-taking industry. They exist to make money. So obviously they take in more premiums than they pay out for medical expenses. Right off the bat, we have a negative expected value for the buyers of health insurance. In other words, you should expect that the premiums you pay to the health insurance company will be more than the benefits you get back, on average. But on top of that, for a HEALTHY person, the difference would be even greater. Since your risk is grouped together with the risk of more unhealthy people (obese, smokers, etc), you're basically subsidizing their insurance. So the difference between your premiums and the expected benefits you get back is even more. It seems like a very fit, health-conscious person is really taking it on the chin by buying health insurance in the individual market. Maybe they'd often be better off by just building up a health savings account and self-insuring?""

""I'm 16, how much would insurance be if I had a 1993 Toyota Supra MKIV under my name?""

I'm 16, how much would insurance be if I had a 1993 Toyota Supra MKIV under my name? The description I have for the car(I know some of it is useless, to lazy to take it out): - Clean Title - 1993.5 - Toyota - Supra - About 178k. - 3.0 2JZ-GE N/A - Auto with Overdrive & Manual mode - Black on Black - Targa Top - Major maintenance was done at 171k including timing belt and water pump. - Aftermarket HKS Exhaust, full exhaust all the way through. -Aftermarket Ram Intake - Has the usual rock chips as a daily driver should. But I photographed the two major flaws on the car. Check the pictures out - A/C Blows cold, all the power options work except for cruise control. I think it may just be a fuse. - Doesn't have backseats.""

How much does storage unit insurance cost?

I'm sure there are a billion variables but I'm just trying to get a loose ballpark figure. I'm renting a 5x5 climate controlled unit in one state but I live in another. I'm storing ~$5000 worth of stuff--black forest clocks my parents brought back from Germany in the late 40s/early 50s; figurines, etc., most more sentimental than material value. The unit itself is a name-brand secure facility in a decent neighborhood with gated access. I figure I'll have the unit about 6 months. Like I said, I'm just trying to get a rough idea, not an etched in stone quote. Any ideas are greatly appreciated. sbf""

Does anyone no of affordable maternity insurance?

My daughter is now almost 9 months old. I'm planning to get pregnant again in december. I'll be 20. Witch means that the insurance i had before MCHP will not cover me. You have to be younger then 19, and i don't live in Maryland anymore. Does any one no of any health programs that are affordable in Pennsylvania or any state for that matter? I'm married and my husband is the only one who works at this time so i was kinda looking for something on the lines of MCHP. For those who don't no what that is, its when the sate covers your pregnancy minus a few cost. Please Help! O and if your just going to rag on me for being to young and stupid dont even bother!""

Auto insurance rates?

hi there. I'm doing a project for school that requires us to find the auto insurnace rates for people of the following categories: >a male just getting their licence (who has taken driver education classes) >a male just getting their license (who has not taken driver education classes) >a 25 year old male (who has taken driver education classes) >a 25 year old male (who has not taken driver education classes) >a person convicted of driving while intoxicated

How much would insurance be for a 2003 Acura RSX?

I am a male, 22 years old, clean record, live in Whitby Ontario. I also went took driving lessons (people say that will help lower insurance) and i am a class G driver (full license) I know coupes are usually more expensive for insurance. Can anyone give me an estimate of how much insurance would cost per month or for the year? I know i can call and get a quote but I want to see what the average is. Thanks!""

Im unemployed do i need to apply for obamacare/Affordable care act?

im unemployed do i need to apply for obamacare/Affordable care act? i tried creating an account online and it says to input your income. i cant leave it blank any information would help

What car would be more expensive on insurance a impala or a charger?

What car would be more expensive on insurance a impala or a charger?

How much would the in insurance be on a 1985 CHEVROLET CAMARO Z28?

i just turend 16 and ill get my licenes in about 3 months and i saw a 1985 CHEVROLET CAMARO Z28 the other day that im thinking about buying and i was wondering about how much the ...show more

""I'm pregnant, without insurance, and desperate, HELP!?""

Just this Monday I found out I was pregnant. Two Clear Blue PREGNANT's, and I was bawling in the Target bathroom. I all ready have two children, both of which are on ALL Kids because my husband didn't want to keep our health insurance last year due to the rising costs (like, it kept going up $100/year, and towards the end, we were paying $500/month). So now I'm pregnant, no health insurance, and pretty much stressing out over it. I will apply for SOBRA Medicaid (something I found on Alabama's Department of Health site) after my doctor's appointment next Wednesday, but if they don't accept me, then I don't know what else to do. Giving my baby away is not an option, neither is abortion. I will love this baby no matter what happens. I just need some reassurance or something to keep myself from stressing out and crying all the time over worrying about money. I totally got screwed over by something called Direct Med and will be calling them tomorrow to try to get my money back. I did that out of desperation and plain stupidity. A little help, please?""

Good car insurance?

I'm 19 and just got my first car and am in the process of getting my licensices. What are some good insurance companys to look into that would have low rate with good coverage? What do i look for and what don't I do. Thanks!

How do insurance companies categorize cars?

How do they determine which cars is going to cost more than others... Which factor of a car means you're going to have to pay 1000 more than another... And why so expensive? After a while surely you've paid more than the cars worth?

How pleased are you with your health care insurance?

Please rate 1-10 (1 being you do not have health care coverage and 10 you are very pleased Also Please give your age and nationality

17 and HIP insurance?

Im 17 and I need some type of health insurance because my parents dont carry on me. My mom is applying again for HIP health insurance because she missed her reevaluation. So can I apply for HIP health insurance? thanks!

Riding a 125 motorbike on fully comp car insurance?

hi does anyone know, if you can ride a 125 motorbike with l pates and cbt on a fully comp car insurance, i know i can drive other vehciles on fully comp insurance but it turns into third party only , can it be done with my motorbike , thanks .""

How much does it cost to insure an RV?

i have to do a project for drivers ed.. and i need to figure out how much it cost to insure an rv and i guess the insurance company would be aarp.

How much would insurance be on a 2006 Dodge Charger SE?

im graduating next year and i was just curious about how much insurance would be for a 17 year old with a charger.

I need to win this bet! $5000.00 on the line! Attn: Car insurance reps!!!?

Okay, my mother bet me a 5 thousand dollar car that she is right about this. Here we go. I am 27 and live back at home with parents. However, I rent a room that i pay for every month, and they write me a rent receipt, etc. I recieve county assistance every month, and they have me documented as a seperate family from my parents, meals prepared seperately, the whole nine yards. So, if they are just my landlords technically, and if i drive a car that is registered to me, my name on title, my OWN insurance policy, and I get into a accident in MY car, can they other party sue my parents for damages? Remember I am 28 years old, living in a seperate household from them. I feel that they cannot sue them cuz they couldnt sue my landlord if i lived in an apartment complex, so how coyuld they sue my landlords?""

Whats a proof of renters insurance ?

i wanted to rent an apt for me and my bro in ohio and i have been asked for a proof of renters insurance with a minimum liability coverage of $100,000! wth is that? :/""

Cheaper car for insurance?

I have a 98 eclipse spyder right now, and I'm paying about 700 every 6 months on insurance. Not only that but about 40 a week in gas and other various maintenance. I've put some custom things into it, just wondering with 115k miles on it, what would a good trade be for a reliable car with good MPG and lower insurance?""

Scooter insurance - Average cost?

I am 29, female, live in Greater London. Full cat B licence for 2 years, but no formal bike training, and will be riding a scooter of 50cc or lower. Any idea roughly how much I can expect to pay?""

""First car, What are good and cheap cars?""

I know everyone says to go for a KA but I can't stand them. I like the idea of a renault clio but not sure how cheap that works out for insurance&petrol etc. So a list of good cars would be appreciated! Also, I want to travel roughly 24 miles two days a week for college, so I need something not to juicy!""

I need to win this bet! $5000.00 on the line! Attn: Car insurance reps!!!?

Okay, my mother bet me a 5 thousand dollar car that she is right about this. Here we go. I am 27 and live back at home with parents. However, I rent a room that i pay for every month, and they write me a rent receipt, etc. I recieve county assistance every month, and they have me documented as a seperate family from my parents, meals prepared seperately, the whole nine yards. So, if they are just my landlords technically, and if i drive a car that is registered to me, my name on title, my OWN insurance policy, and I get into a accident in MY car, can they other party sue my parents for damages? Remember I am 28 years old, living in a seperate household from them. I feel that they cannot sue them cuz they couldnt sue my landlord if i lived in an apartment complex, so how coyuld they sue my landlords?""

Wouldn't it be a better world if everybody would just be responsible and buy there own health insurance?

instead of relying on others to buy it for them.

Insurance cost for an 87 Fiero?

I'm considering purchasing an 87 Fiero and I am wondering roughly what insurance costs are like with these cars? Is it high or low? Considering the body panels are made of plastic I would think it's not too expensive to replace.

""Car Tax, MOT, insurance cost me 500; others pay much more; time for a consumer revolt?""

Car Tax, MOT, insurance cost me 500; others pay much more; time for a consumer revolt?""

Vehicle insuranse rate with new increasing cameras.?

I was wondering if auto insurance is lowering their rates due to new speed cameras , red light running traffic cameras, and right turn cameras are starting to rise in the county. Now is this something the auto insurance companies look at to make rates for county or city of which we reside in?""

Is there insurance for Antique Cars?

Hi, I have a 1971 chevrolet camaro. Wanted to ask if there was insurance for antique cars? I know i could just get liability for this car but i was wondering if i could get better coverage for my vehicle? Thanks.""

Will my car insurance pay out?

my car has been stolen, but my friend claims my insurance wont pay out as it was only taxed and tested until next month. surely they should still pay me?""

Affordable health insurance?

I have no insurance, been unemployed over a year, no dependents, am not pregnant, and have no serious medical issues I'm aware of. If it matters, I'm not a US citizen, I'm a permanent resident alien. Which means I can work and pay taxes, but can't vote and don't get called for jury duty. I live in California. How do I find decent affordable health insurance? Are there any sliding scale clinics in San francisco for someone in my position? There seems to be options if one has kids, is pregnant, has a serious illness, or is a vet. I'm none of those. Also, I'm way past the time period to sign up for Cobra. Thanks in advance!""

How much money does drivers ed save on car insurance?

Is the amount saved by drivers ed a lot, meaning does drivers ed pay for itself by helping lower your insurance cost?""

Want free auto insurance?

Do what the libs do. Dont have insurance. Those that do pay will have to pay higher premiums to make up for uninsured accidents. When the premiums get too high, tax the people already paying for their own insurance to cover those that never paid.""

Insurance quotes?????????

I am about sit my practical car test so a thought a'll look for a car and insurance but the weirdest thing is that a got cheaper insurance on provisional liecense (which i had for 2 years) 2011 reg renault clio =1200 and if i pass 2100 does anyone no y?????

What are some good car with cheap insurance and good mpg for a 16. I wanna tune it up?

I want a car that has low insurance and good mpg i wanna tune it up to like 400hp to 500hp

Car insurance questions?

I was parked in front of my house and a lady came along and hit my car totalling it by the looks. I think I just signed up for basic insurance. Because she hit my parked car, is the towing and cost for keeping my car covered on my insurance or hers? And also don't know if I can get a car rental at all? And I was also wondering if the car is totalled will they pay me to get a new car? Or just pay me some money back for the car? It says under collision actual cash value. Thanks for any answers because I can not figure out what I have on this paper or if it goes on hers!""

I need to find and inexpensive health insurance can anyone help?

My husband has a rare blood disorder and is on Medicare through Social security and we don't have alot of money but because of his illness it cost alot for suppliment insurance. Does anyone know how we can get some extra insurance that won't kill us we already lost our home because we spent so much on insurance and most places won't even cover this. Please only serious reply.

How much would my car insurance be?i'm 18 in los angeles..?

i'm getting a 2003 nissan sentra with 92,000 miles...i was just wondering around how much would my car insurance be..? and if I put it on my dad's name and i'm a co driver?""

Cheapest place to get motorbike insurance?

hello im looking to get a skyjet125 ive got my CBT, this is my first bike where is the cheapest place to get insurance ? cheers""

Where can I find business cargo insurance at reasonable rates?

We're a small company trying to get started, that's why we're looking for insurance at a reasonable rate. Any help will be welcome. Thanks""

Using a po box in license for cheap car insurance?

I live in the bronx but car insurance for me is like 660 a month... that's impossible to make... I wanted to go with Statefarm... I was using a po box in Yonkers, tuckahoe 20 mins away and it dropped to 220 a month with more then just liability coverage ... the po box isn't on the street it's a ups street address.. the guy told me people do it all the time but I just wanted to be sure.. does Statefarm ask for proof of address.... like bill of con Ed which Im only 17 btw.... I work so I was going to change my address on my check I receive to the Yonkers address and my debit card address also.. and ofcourse I was going to make that my address in my license.... I know brokers will give you insurance with any addres but will it be good the 6 months or will they contact me a month or so with asking for info abt my addres... will it work is the question if it's in on my license and I say that's where I live.. I'm 17 so I don't have credit... also has anyone ever done this?? no stupid answers""

Where can i find cheap car insurance?

Im 18 and male and all the quotes i've looked at are coming back from 3000 to 7000, does anyone know where i can get it under 3000?""

Where is the cheapest place to get car insurance for a 17 year old male?

Where is the cheapest place to get car insurance for a 17 year old male?

How much would insurance be on a 2006 Dodge Charger SE?

im graduating next year and i was just curious about how much insurance would be for a 17 year old with a charger.

https://www.linkedin.com/pulse/my-home-owners-insurance-decided-dog-vicious-breed-daniel-duke/"

[rembertbenjamin]

Class  Locksmith Suggestions & Tricks

Expert Advice: Tips About Hiring Locksmiths http://googletcm.com/expert-advice-tips-about-hiring-locksmiths/ … — DavidJackson (@DavidJacksonTom) March 1, 2018

There are often many locksmith choices around city, and the very last thing you want to do just isn't know your best option while you need assistance now. Ask round. Speak to your native associates about who they use. See if there are any rankings or opinions on-line. Do it now earlier than there's a difficulty. When your keys are in the automotive, you'll want a locksmith stat. That means already knowing who is on the market and which professional is one of the best. In case you have their quantity in your telephone, you will not wait lengthy to get home. Even for those who want work carried out on your property or business, use these tricks to make it happen.

This helps you to be confident enough that the locksmith is properly-educated who could give out the quality of service you anticipate. There are numerous individuals who claim to be professional locksmiths even of they don't seem to be. If you're going to hire an individual locksmith, make sure to check crucial documents to examine if he is a licensed one. Some shoppers discover it more practical to hire companies from effectively-identified locksmith outlets, if their price range permits them to do so. But in case you are on a tight price range, it is still potential to search out someone who may render a sort of service you deserve as a shopper. A good locksmith, apart from being a licensed one, is someone who knows what he is doing. The number of years in the enterprise may very well be one of the benchmarks to check this side. Ask if there is a cost for mileage, or a minimum payment for a service call. If the worth the locksmith provides when he arrives doesn’t jibe with the estimate you bought on the phone, don't enable the work to be carried out. Discover out if the locksmith is insured. If your property is damaged during a repair, or if faulty work results in loss or damage, it’s essential for the locksmith to have insurance to cover your losses. When the locksmith arrives, ask for identification, together with a enterprise card and, the place applicable, a locksmith license. Whether it's installing the locks in a brand new building or dwelling, or re-keying the locks on a renovated one, there may be a lot of work to be accomplished. In addition, they may be asked to choose locks on an outdated renovation or design master (go source) keys for brand new properties in order that homeowners can function with just one key. Locksmiths work with people and subsequently require a optimistic, nice and supportive attitude towards them. This profession requires mechanical aptitude, good eye-hand co-ordination, excellent eyesight, meticulous accuracy, manual dexterity, the flexibility to concentrate nicely and neat look of the individual. A good popularity will preserve the public's confidence in the locksmith. That is the least glamorous of choices. If the window is barely opened, you could possibly unlock the car with a metallic coat-hanger (in case your automobile has tapered lock buttons). In this case, you can kind a small hook with the hanger and work it between the automobile and the door. As you progress it you possibly can attempt to catch the button and unlock it. Another house treatment is to drill a hole into a tennis ball, and then press the ball with nice drive into the door's lock until the ball pops. locksmiths in dublin Theory holds that the air stress of the pop will pressure the lock to open. Nevertheless there's a hero on this story, he's the automotive locksmith. Usually skilled in the fantastic artwork of recreating your keys, they can get you out of a jam in minutes. Automotive locksmiths the world over are being called on a daily basis to save lots of the stranded motorist and get them again within the automobile and on the road. Automotive locksmiths are trained to handle even the trickiest of automobile locks, even those made for those pricey little vehicles that include the state-of-the-art locking mechanisms. There are a series of issues that you might want to do earlier than hiring the companies of a locksmith. Hiring locksmith in Parramatta isnt like buying milk or a pack of cigarette the place youd just pick something you set your eyes on. You must be vigilant in relation to selecting a locksmith. A great locksmith in Parramatta would offer you an opportunity to again out by introducing the potential cost of their companies plus equipments you might need to buy before doing something. If the locksmith arrives and asks for more than what theyve introduced, then hes definitely a fraud. You will see that many dependable locksmiths on the market. That you must do a proper analysis and analysis when picking a company. Dont simply entrust your property to some dude whose solely goal is to get cash. A locksmith in Parramatta will help protect your home from burglars and would even respond on emergency situations. In order for you fast performing results, then rent the companies if a locksmith near where you reside. Everybody wants the services of a locksmith. Rest assured that help will come in anytime of the day.

One other fantasy that is commonly held by the individuals is that local locksmiths are hand-in-glove with each other and therefore most of them carry nearly the identical worth tag. Regardless that a 24-hour locksmith in just a little town wouldn't have enough to do when he simply did lock choosing to assist people with misplaced keys, the 24-hour locksmith is greatest acknowledged for this phase of his work. To have a reliable reputation, a lock and key group must be in a position to ensure shopper safety and full satisfaction on each job. If they don't you might have to enlarge the holes with the chisel. You possibly can mark the area with a pencil to ensure the best dimension. After getting the brand new lock in the proper measurement opening, you might want to learn the individual directions on your new locks. Every type of lock will have its own actual method to be put in. Most are very simple, but some would require exact steps for proper match. Don't worry, if it gets too complicated, you can all the time name your local locksmith for a little bit assist.

[apsbicepstraining]

Peru’s ayahuasca industry thunders as westerners search for alternative healing

Every year thousands of tourists leader to the Peruvian Amazon to take the plant medicine ayahuasca. But what does the powerful guzzle actually do, and what do local shaman think up the rise in its notoriety?

Imagine youre in a simple wooden house in the outskirts of Iquitos, the largest municipality in the Peruvian Amazon, and drinking a bitter, dark dark-brown liquid. The lightings go over. Half an hour later the most extraordinary eyesights begin.

Fast forward four hours and its all over. Youve received Christ and Buddha, and youve nearly been moved to snaps by the charms of curandero ( healer) Juan Tangoa Paima and all the deep-throat upchuck youve been doing in his garden.

Ayahuasca is made from an Amazonian vine known as Banisteriopsis caapi( and usually at the least one other bush ). Photograph: Emilie Lescale

That was my first experience, in 2005, of what has come to be known internationally as ayahuasca. Made from a mix of an Amazonian vine known as Banisteriopsis caapi and usually at least one other flora( in Peru chiefly chacruna ), ayahuasca is a plant drug that has been used in the Amazon for centuries for mending and spiritual purposes.

Its about connecting to the natural environment, says Romulo Sinuiri Ochavano, a Shipibo curandero who sucks ayahuasca to communicate with the character world and understand his patients illnesses. Its one technique for us. Its the same as a medical doctor in a clinic with gear that permits him to see if someones ill. Wheres the illness? The curandero checks which bushes are good for antidote that person.

Ayahuasca being brewed over a grove flaming. Photograph: Emilie Lescale

Traditional use involves merely the curanderos booze, according to Luis Eduardo Luna, a Colombian anthropologist and ayahuasca researcher. He says it has mainly been used for divination, such as diagnosing psychosomatic or ethno-specific illnesses with no western equivalent, or for acquiring contact with the flavour world.

The manifestation[ of the psychosomatic illness] may be you lose your articulation or have a physical trouble, or in children through diarrhoea and vomiting, says Luna. Or somebody who has very bad luck in love or business they would go to a curandero who will take the ayahuasca, give the patient ritual tubs and vitality, and protect them.

A area is prepared for a group to drink ayahuasca at the Temple of the Way of Light

Over the last 25 years ayahuasca has exited world, with thousands of beings understand better it, and boozing it too. Curanderos are travelling abroad and ayahuasca is being exported very. In Peru, major centres include the Cusco region and the cities of Pucallpa and Tarapoto, but it is Iquitos that captivates most sake. Every year thousands descend on the city, where centres offering ayahuasca have bounced up in the enclose forest, while hostels offering jungle tours or quality tours include ayahuasca as well. The majority of guests are foreigners.

Estimates of the number of centres in the Iquitos region offering ayahuasca diversify from 30 to 100. Then “theres” jungle hostels and the curanderos living in the city, like Juan Tangoa Paima, and encircling villages. The latter gratify chiefly for neighbourhoods, though tourists can seek them out too.

Temple of the Way of Light ayahuasca centre, two hours from Iquitos. Local Shipibo welcome guests

Why are so many immigrants, especially westerners, coming to Iquitos to suck ayahuasca? Some are striving healing: for sadnes, alcohol-related issues, tobacco and drug addictions, arthritis, diabetes, disease of the skin, cancer and more.

Most of the therapy were carrying out is for trauma, says Matthew Watherston, founder of the Temple of the Way of Light, a centre two hours from Iquitos. The drive is often the crises that beings appear in day-to-day life, certified on a psychological, psychological or physical height. Ultimately, these are all symptoms; the origin, normally, comes from an energetic imbalance or disorder.

Temple of the Way of Light

Others drink ayahuasca because theyre curious and want to learn about it, or theyre looking for a brand-new tendency in life. Then “theres” those who, captivated by the often extraordinary visions, think its another tourist activity or recreational medicine. Thats an idea many experienced with ayahuasca vehemently dismiss.

If anyone thinks its in the same category as a sail, well, the first beverage would promptly change their heads, says Peter Gorman, a correspondent offering expeditions into the forest that include swimming with dolphins, foraging for wild food, hiking and ayahuasca. Its very serious remedy; very profound, very quick.

Unlike western medication, ayahuascas makes no distinction between thinker and person Photograph: PR

Those after only a high arent welcome at some cores. Omar Gomez, from the Rainforest Healing Center, told me that he swerves away 60% of potential visitors: either because they have difficulties that ayahuasca doesnt mix with( such as schizophrenia) or because theyre not sufficiently serious about it.

We do an intense screening process to make sure we dont have any psychedelic tourists, says Gomez. Right now the ayahuasca industry is booming. But we want to made to ensure that the people who come are parties that have a strong purpose and are looking forward to heal.

Indigenous Shipibo at the Temple of the Way of Light

Fundamental to ayahuascas plea is that, unlike western remedy, it is believed to address the true causes of illness and makes no distinction between psyche and person. Ayahuasca practitioners recognize the physical manifestation of some mental, psychological, mental or energetic disorder.

Reports of success are common, particularly with depression, trauma and addictions. Brendan, a former US marine, was overweight and suffered by radiation poisoning, hypothyroidism, and nerve damage caused to his left leg after a education coincidence, and massive remorse after not serving in Iraq. But 12 days at the Temple transformed their own lives; it get him off the oxycontin and other prescription he had been taking daily for years. He says he lost more than 45 kg, his thyroid gland now serves commonly, and he is fully mended from the radiation.

When I left the Temple I went to a Veterans Affairs hospital in the US and had blood tests; everything was running normally, something they said is not feasible, says Brendan, who now lives in Iquitos and has opened his own centre, The Sanctuary of Renana, offering free care to other veterans. My doctor almost scorned me when I told him I was coming out here but when he saw the results of the tests he grew fascinated.

In 2013, the International Centre for Ethnobotanical Education, Research and Service( ICEERS) issued a report on ayahuasca went on to say that clinical tribulations evidenced it to be physiologically very safe. One of research reports signatories was Jordi Riba, a Spanish pharmacologist who has researched ayahuasca for years.

Theres preliminary evidence that it has the potential to change life positions for the better in situations of drug addiction, depression and damage, says Riba, currently involved with a landmark study by ICEERS analyse the impacts of medication on visitors to the Temple.

The an opportunity for drinking ayahuasca in and around Iquitos( in terms of rates and bundles) diversify profoundly. The Temple furnishes nine-day, 12 -day, three-week and month-long recedes, mainly for big groups, with costs ranging from $2,000 to $3,300 per person, while the Rainforest Healing Center, approximately two hours from Iquitos, offers seven- and 10 -day withdraws for small groups expensing $995 and $1,495 per person respectively.

The admission to the Sachamama Botanical Garden, run by Francisco Montes Shuna. Picture: David Hill

Then there are options such as the Sachamama Botanical Garden, 90 minutes from Iquitos, where one weeks stay and three ceremonies costs $650, or they are able to drop in for a ritual and thrash out world prices when you arrive. In additive, there are currently curanderos such as Paima, who I paid 40 Peruvian soles ($ 12) for one ceremony in 2005 and $60 for another ceremony last year.

Despite numerous positive know-hows, there are numerous things to watch out for, and anyone very interested in drinking ayahuasca should do as much study as is practicable. In Iquitos, there are reports of increasing numbers of beings announcing themselves curanderos, or offering ayahuasca while knowing anything about it, as well as sex crime on dames. Some beings have had terrifying ordeals and violent actions, and over the past decades there have been ayahuasca-associated deaths.

One tragedy, in December 2015, was reported or rather, misreported by the mainstream media. A Canadian gentleman, Joshua Andrew Freeman Stevens, killed Briton Unais Gomes after apparently being attacked by him during an ayahuasca ritual at Phoenix Ayahuasca near Iquitos. Despite initial reports that both men had drunk ayahuasca, one of “the centres activities” founders told me Stevens had not done so, and one precede media report claimed the toxicology decisions confirmed that.

As the ayahuasca event can be intense and even psychologically destabilising, one should be careful when choosing a proper ceremonial navigate, wrote Joe Tafur, a western-trained Colombian-American doctor and marriage in the Nihue Rao Centro near Iquitos, in a recent article in the Iquitos Times.

Other concerns include claims the ayahuasca thunder is moving the Banisteriopsis caapi vine more difficult to beginning; that it isnt regulated by the government; that the emphasis on business fails to respect the sanctity of the weed; and that it is employing indigenous peoples knowledge.

Francisco Montes Shuna, a curandero running the Sachamama Botanical Garden, says most centres are owned by non-Peruvians and therefore should be closed. Its our culture; the Amazons culture, says Shuna, whose parents were indigenous Capanahuas.[ These foreigners] are coming here and plagiarizing our knowledge.

In the last couple of months more than 40 centres in Peru have committed to joining the newly formed Ayahuasca Safety Council to establish common standards of safety and moralities, as William Menech from the Qhispikay Kawsay Ayahuasca Retreat makes it. Laws on ayahuasca differ and are sometimes fuzzy. According to the Ayahuasca Defense Fund, hosted by ICEERS, it is legal in Peru, illegal in Canada, illegal for everyone in the US apart from two religious organisations, and appears to be caught by prohibitive legislation in England and Wales due to a combination of factors. These are instances set by case law, the brand-new Psychoactive Substances Act which came into force on 26 May, and the facts of the case it contains N, N-Dimethyltryptamine( DMT ), which is listed as a Class A medication in the UK. The International Narcotics Control Board schedules DMT, one of the alkaloids present in ayahuasca, as a controlled substance, but to expressly stated that ayahuasca itself is not prohibited.

Luna calls the boom in ayahuasca a sword with two margins. Some without proper training see it as a method to shape easy money and seduce gullible sightseers, he says, but the positives include reigniting respect for it among indigenous peoples and others and was helping to a certain renaissance in Shipibo art.

Ayahuasca may find its neighbourhood in future civilizations, says Luna. Its ritual usage is expanding, as well as its therapeutic applications, and its further consideration of its effects may reveal aspects of the workings of the psyche.

The post Peru’s ayahuasca industry thunders as westerners search for alternative healing appeared first on apsbicepstraining.com.

from WordPress http://ift.tt/2giNOJl via IFTTT

[apsbicepstraining]

Peru’s ayahuasca industry thunders as westerners search for alternative healing

Every year thousands of tourists leader to the Peruvian Amazon to take the plant medicine ayahuasca. But what does the powerful guzzle actually do, and what do local shaman think up the rise in its notoriety?

Imagine youre in a simple wooden house in the outskirts of Iquitos, the largest municipality in the Peruvian Amazon, and drinking a bitter, dark dark-brown liquid. The lightings go over. Half an hour later the most extraordinary eyesights begin.

Fast forward four hours and its all over. Youve received Christ and Buddha, and youve nearly been moved to snaps by the charms of curandero ( healer) Juan Tangoa Paima and all the deep-throat upchuck youve been doing in his garden.

Ayahuasca is made from an Amazonian vine known as Banisteriopsis caapi( and usually at the least one other bush ). Photograph: Emilie Lescale

That was my first experience, in 2005, of what has come to be known internationally as ayahuasca. Made from a mix of an Amazonian vine known as Banisteriopsis caapi and usually at least one other flora( in Peru chiefly chacruna ), ayahuasca is a plant drug that has been used in the Amazon for centuries for mending and spiritual purposes.

Its about connecting to the natural environment, says Romulo Sinuiri Ochavano, a Shipibo curandero who sucks ayahuasca to communicate with the character world and understand his patients illnesses. Its one technique for us. Its the same as a medical doctor in a clinic with gear that permits him to see if someones ill. Wheres the illness? The curandero checks which bushes are good for antidote that person.

Ayahuasca being brewed over a grove flaming. Photograph: Emilie Lescale

Traditional use involves merely the curanderos booze, according to Luis Eduardo Luna, a Colombian anthropologist and ayahuasca researcher. He says it has mainly been used for divination, such as diagnosing psychosomatic or ethno-specific illnesses with no western equivalent, or for acquiring contact with the flavour world.

The manifestation[ of the psychosomatic illness] may be you lose your articulation or have a physical trouble, or in children through diarrhoea and vomiting, says Luna. Or somebody who has very bad luck in love or business they would go to a curandero who will take the ayahuasca, give the patient ritual tubs and vitality, and protect them.

A area is prepared for a group to drink ayahuasca at the Temple of the Way of Light

Over the last 25 years ayahuasca has exited world, with thousands of beings understand better it, and boozing it too. Curanderos are travelling abroad and ayahuasca is being exported very. In Peru, major centres include the Cusco region and the cities of Pucallpa and Tarapoto, but it is Iquitos that captivates most sake. Every year thousands descend on the city, where centres offering ayahuasca have bounced up in the enclose forest, while hostels offering jungle tours or quality tours include ayahuasca as well. The majority of guests are foreigners.

Estimates of the number of centres in the Iquitos region offering ayahuasca diversify from 30 to 100. Then “theres” jungle hostels and the curanderos living in the city, like Juan Tangoa Paima, and encircling villages. The latter gratify chiefly for neighbourhoods, though tourists can seek them out too.

Temple of the Way of Light ayahuasca centre, two hours from Iquitos. Local Shipibo welcome guests

Why are so many immigrants, especially westerners, coming to Iquitos to suck ayahuasca? Some are striving healing: for sadnes, alcohol-related issues, tobacco and drug addictions, arthritis, diabetes, disease of the skin, cancer and more.

Most of the therapy were carrying out is for trauma, says Matthew Watherston, founder of the Temple of the Way of Light, a centre two hours from Iquitos. The drive is often the crises that beings appear in day-to-day life, certified on a psychological, psychological or physical height. Ultimately, these are all symptoms; the origin, normally, comes from an energetic imbalance or disorder.

Temple of the Way of Light

Others drink ayahuasca because theyre curious and want to learn about it, or theyre looking for a brand-new tendency in life. Then “theres” those who, captivated by the often extraordinary visions, think its another tourist activity or recreational medicine. Thats an idea many experienced with ayahuasca vehemently dismiss.

If anyone thinks its in the same category as a sail, well, the first beverage would promptly change their heads, says Peter Gorman, a correspondent offering expeditions into the forest that include swimming with dolphins, foraging for wild food, hiking and ayahuasca. Its very serious remedy; very profound, very quick.

Unlike western medication, ayahuascas makes no distinction between thinker and person Photograph: PR

Those after only a high arent welcome at some cores. Omar Gomez, from the Rainforest Healing Center, told me that he swerves away 60% of potential visitors: either because they have difficulties that ayahuasca doesnt mix with( such as schizophrenia) or because theyre not sufficiently serious about it.

We do an intense screening process to make sure we dont have any psychedelic tourists, says Gomez. Right now the ayahuasca industry is booming. But we want to made to ensure that the people who come are parties that have a strong purpose and are looking forward to heal.

Indigenous Shipibo at the Temple of the Way of Light

Fundamental to ayahuascas plea is that, unlike western remedy, it is believed to address the true causes of illness and makes no distinction between psyche and person. Ayahuasca practitioners recognize the physical manifestation of some mental, psychological, mental or energetic disorder.

Reports of success are common, particularly with depression, trauma and addictions. Brendan, a former US marine, was overweight and suffered by radiation poisoning, hypothyroidism, and nerve damage caused to his left leg after a education coincidence, and massive remorse after not serving in Iraq. But 12 days at the Temple transformed their own lives; it get him off the oxycontin and other prescription he had been taking daily for years. He says he lost more than 45 kg, his thyroid gland now serves commonly, and he is fully mended from the radiation.

When I left the Temple I went to a Veterans Affairs hospital in the US and had blood tests; everything was running normally, something they said is not feasible, says Brendan, who now lives in Iquitos and has opened his own centre, The Sanctuary of Renana, offering free care to other veterans. My doctor almost scorned me when I told him I was coming out here but when he saw the results of the tests he grew fascinated.

In 2013, the International Centre for Ethnobotanical Education, Research and Service( ICEERS) issued a report on ayahuasca went on to say that clinical tribulations evidenced it to be physiologically very safe. One of research reports signatories was Jordi Riba, a Spanish pharmacologist who has researched ayahuasca for years.

Theres preliminary evidence that it has the potential to change life positions for the better in situations of drug addiction, depression and damage, says Riba, currently involved with a landmark study by ICEERS analyse the impacts of medication on visitors to the Temple.

The an opportunity for drinking ayahuasca in and around Iquitos( in terms of rates and bundles) diversify profoundly. The Temple furnishes nine-day, 12 -day, three-week and month-long recedes, mainly for big groups, with costs ranging from $2,000 to $3,300 per person, while the Rainforest Healing Center, approximately two hours from Iquitos, offers seven- and 10 -day withdraws for small groups expensing $995 and $1,495 per person respectively.

The admission to the Sachamama Botanical Garden, run by Francisco Montes Shuna. Picture: David Hill

Then there are options such as the Sachamama Botanical Garden, 90 minutes from Iquitos, where one weeks stay and three ceremonies costs $650, or they are able to drop in for a ritual and thrash out world prices when you arrive. In additive, there are currently curanderos such as Paima, who I paid 40 Peruvian soles ($ 12) for one ceremony in 2005 and $60 for another ceremony last year.

Despite numerous positive know-hows, there are numerous things to watch out for, and anyone very interested in drinking ayahuasca should do as much study as is practicable. In Iquitos, there are reports of increasing numbers of beings announcing themselves curanderos, or offering ayahuasca while knowing anything about it, as well as sex crime on dames. Some beings have had terrifying ordeals and violent actions, and over the past decades there have been ayahuasca-associated deaths.

One tragedy, in December 2015, was reported or rather, misreported by the mainstream media. A Canadian gentleman, Joshua Andrew Freeman Stevens, killed Briton Unais Gomes after apparently being attacked by him during an ayahuasca ritual at Phoenix Ayahuasca near Iquitos. Despite initial reports that both men had drunk ayahuasca, one of “the centres activities” founders told me Stevens had not done so, and one precede media report claimed the toxicology decisions confirmed that.

As the ayahuasca event can be intense and even psychologically destabilising, one should be careful when choosing a proper ceremonial navigate, wrote Joe Tafur, a western-trained Colombian-American doctor and marriage in the Nihue Rao Centro near Iquitos, in a recent article in the Iquitos Times.

Other concerns include claims the ayahuasca thunder is moving the Banisteriopsis caapi vine more difficult to beginning; that it isnt regulated by the government; that the emphasis on business fails to respect the sanctity of the weed; and that it is employing indigenous peoples knowledge.

Francisco Montes Shuna, a curandero running the Sachamama Botanical Garden, says most centres are owned by non-Peruvians and therefore should be closed. Its our culture; the Amazons culture, says Shuna, whose parents were indigenous Capanahuas.[ These foreigners] are coming here and plagiarizing our knowledge.

In the last couple of months more than 40 centres in Peru have committed to joining the newly formed Ayahuasca Safety Council to establish common standards of safety and moralities, as William Menech from the Qhispikay Kawsay Ayahuasca Retreat makes it. Laws on ayahuasca differ and are sometimes fuzzy. According to the Ayahuasca Defense Fund, hosted by ICEERS, it is legal in Peru, illegal in Canada, illegal for everyone in the US apart from two religious organisations, and appears to be caught by prohibitive legislation in England and Wales due to a combination of factors. These are instances set by case law, the brand-new Psychoactive Substances Act which came into force on 26 May, and the facts of the case it contains N, N-Dimethyltryptamine( DMT ), which is listed as a Class A medication in the UK. The International Narcotics Control Board schedules DMT, one of the alkaloids present in ayahuasca, as a controlled substance, but to expressly stated that ayahuasca itself is not prohibited.

Luna calls the boom in ayahuasca a sword with two margins. Some without proper training see it as a method to shape easy money and seduce gullible sightseers, he says, but the positives include reigniting respect for it among indigenous peoples and others and was helping to a certain renaissance in Shipibo art.

Ayahuasca may find its neighbourhood in future civilizations, says Luna. Its ritual usage is expanding, as well as its therapeutic applications, and its further consideration of its effects may reveal aspects of the workings of the psyche.

The post Peru’s ayahuasca industry thunders as westerners search for alternative healing appeared first on apsbicepstraining.com.

from WordPress http://ift.tt/2giNOJl via IFTTT

[apsbicepstraining]

Peru’s ayahuasca industry thunders as westerners search for alternative healing

Every year thousands of tourists leader to the Peruvian Amazon to take the plant medicine ayahuasca. But what does the powerful guzzle actually do, and what do local shaman think up the rise in its notoriety?

Imagine youre in a simple wooden house in the outskirts of Iquitos, the largest municipality in the Peruvian Amazon, and drinking a bitter, dark dark-brown liquid. The lightings go over. Half an hour later the most extraordinary eyesights begin.

Fast forward four hours and its all over. Youve received Christ and Buddha, and youve nearly been moved to snaps by the charms of curandero ( healer) Juan Tangoa Paima and all the deep-throat upchuck youve been doing in his garden.

Ayahuasca is made from an Amazonian vine known as Banisteriopsis caapi( and usually at the least one other bush ). Photograph: Emilie Lescale

That was my first experience, in 2005, of what has come to be known internationally as ayahuasca. Made from a mix of an Amazonian vine known as Banisteriopsis caapi and usually at least one other flora( in Peru chiefly chacruna ), ayahuasca is a plant drug that has been used in the Amazon for centuries for mending and spiritual purposes.

Its about connecting to the natural environment, says Romulo Sinuiri Ochavano, a Shipibo curandero who sucks ayahuasca to communicate with the character world and understand his patients illnesses. Its one technique for us. Its the same as a medical doctor in a clinic with gear that permits him to see if someones ill. Wheres the illness? The curandero checks which bushes are good for antidote that person.

Ayahuasca being brewed over a grove flaming. Photograph: Emilie Lescale

Traditional use involves merely the curanderos booze, according to Luis Eduardo Luna, a Colombian anthropologist and ayahuasca researcher. He says it has mainly been used for divination, such as diagnosing psychosomatic or ethno-specific illnesses with no western equivalent, or for acquiring contact with the flavour world.

The manifestation[ of the psychosomatic illness] may be you lose your articulation or have a physical trouble, or in children through diarrhoea and vomiting, says Luna. Or somebody who has very bad luck in love or business they would go to a curandero who will take the ayahuasca, give the patient ritual tubs and vitality, and protect them.

A area is prepared for a group to drink ayahuasca at the Temple of the Way of Light

Over the last 25 years ayahuasca has exited world, with thousands of beings understand better it, and boozing it too. Curanderos are travelling abroad and ayahuasca is being exported very. In Peru, major centres include the Cusco region and the cities of Pucallpa and Tarapoto, but it is Iquitos that captivates most sake. Every year thousands descend on the city, where centres offering ayahuasca have bounced up in the enclose forest, while hostels offering jungle tours or quality tours include ayahuasca as well. The majority of guests are foreigners.

Estimates of the number of centres in the Iquitos region offering ayahuasca diversify from 30 to 100. Then “theres” jungle hostels and the curanderos living in the city, like Juan Tangoa Paima, and encircling villages. The latter gratify chiefly for neighbourhoods, though tourists can seek them out too.

Temple of the Way of Light ayahuasca centre, two hours from Iquitos. Local Shipibo welcome guests

Why are so many immigrants, especially westerners, coming to Iquitos to suck ayahuasca? Some are striving healing: for sadnes, alcohol-related issues, tobacco and drug addictions, arthritis, diabetes, disease of the skin, cancer and more.

Most of the therapy were carrying out is for trauma, says Matthew Watherston, founder of the Temple of the Way of Light, a centre two hours from Iquitos. The drive is often the crises that beings appear in day-to-day life, certified on a psychological, psychological or physical height. Ultimately, these are all symptoms; the origin, normally, comes from an energetic imbalance or disorder.

Temple of the Way of Light

Others drink ayahuasca because theyre curious and want to learn about it, or theyre looking for a brand-new tendency in life. Then “theres” those who, captivated by the often extraordinary visions, think its another tourist activity or recreational medicine. Thats an idea many experienced with ayahuasca vehemently dismiss.

If anyone thinks its in the same category as a sail, well, the first beverage would promptly change their heads, says Peter Gorman, a correspondent offering expeditions into the forest that include swimming with dolphins, foraging for wild food, hiking and ayahuasca. Its very serious remedy; very profound, very quick.

Unlike western medication, ayahuascas makes no distinction between thinker and person Photograph: PR

Those after only a high arent welcome at some cores. Omar Gomez, from the Rainforest Healing Center, told me that he swerves away 60% of potential visitors: either because they have difficulties that ayahuasca doesnt mix with( such as schizophrenia) or because theyre not sufficiently serious about it.

We do an intense screening process to make sure we dont have any psychedelic tourists, says Gomez. Right now the ayahuasca industry is booming. But we want to made to ensure that the people who come are parties that have a strong purpose and are looking forward to heal.

Indigenous Shipibo at the Temple of the Way of Light

Fundamental to ayahuascas plea is that, unlike western remedy, it is believed to address the true causes of illness and makes no distinction between psyche and person. Ayahuasca practitioners recognize the physical manifestation of some mental, psychological, mental or energetic disorder.

Reports of success are common, particularly with depression, trauma and addictions. Brendan, a former US marine, was overweight and suffered by radiation poisoning, hypothyroidism, and nerve damage caused to his left leg after a education coincidence, and massive remorse after not serving in Iraq. But 12 days at the Temple transformed their own lives; it get him off the oxycontin and other prescription he had been taking daily for years. He says he lost more than 45 kg, his thyroid gland now serves commonly, and he is fully mended from the radiation.

When I left the Temple I went to a Veterans Affairs hospital in the US and had blood tests; everything was running normally, something they said is not feasible, says Brendan, who now lives in Iquitos and has opened his own centre, The Sanctuary of Renana, offering free care to other veterans. My doctor almost scorned me when I told him I was coming out here but when he saw the results of the tests he grew fascinated.

In 2013, the International Centre for Ethnobotanical Education, Research and Service( ICEERS) issued a report on ayahuasca went on to say that clinical tribulations evidenced it to be physiologically very safe. One of research reports signatories was Jordi Riba, a Spanish pharmacologist who has researched ayahuasca for years.

Theres preliminary evidence that it has the potential to change life positions for the better in situations of drug addiction, depression and damage, says Riba, currently involved with a landmark study by ICEERS analyse the impacts of medication on visitors to the Temple.

The an opportunity for drinking ayahuasca in and around Iquitos( in terms of rates and bundles) diversify profoundly. The Temple furnishes nine-day, 12 -day, three-week and month-long recedes, mainly for big groups, with costs ranging from $2,000 to $3,300 per person, while the Rainforest Healing Center, approximately two hours from Iquitos, offers seven- and 10 -day withdraws for small groups expensing $995 and $1,495 per person respectively.

The admission to the Sachamama Botanical Garden, run by Francisco Montes Shuna. Picture: David Hill

Then there are options such as the Sachamama Botanical Garden, 90 minutes from Iquitos, where one weeks stay and three ceremonies costs $650, or they are able to drop in for a ritual and thrash out world prices when you arrive. In additive, there are currently curanderos such as Paima, who I paid 40 Peruvian soles ($ 12) for one ceremony in 2005 and $60 for another ceremony last year.

Despite numerous positive know-hows, there are numerous things to watch out for, and anyone very interested in drinking ayahuasca should do as much study as is practicable. In Iquitos, there are reports of increasing numbers of beings announcing themselves curanderos, or offering ayahuasca while knowing anything about it, as well as sex crime on dames. Some beings have had terrifying ordeals and violent actions, and over the past decades there have been ayahuasca-associated deaths.

One tragedy, in December 2015, was reported or rather, misreported by the mainstream media. A Canadian gentleman, Joshua Andrew Freeman Stevens, killed Briton Unais Gomes after apparently being attacked by him during an ayahuasca ritual at Phoenix Ayahuasca near Iquitos. Despite initial reports that both men had drunk ayahuasca, one of “the centres activities” founders told me Stevens had not done so, and one precede media report claimed the toxicology decisions confirmed that.

As the ayahuasca event can be intense and even psychologically destabilising, one should be careful when choosing a proper ceremonial navigate, wrote Joe Tafur, a western-trained Colombian-American doctor and marriage in the Nihue Rao Centro near Iquitos, in a recent article in the Iquitos Times.

Other concerns include claims the ayahuasca thunder is moving the Banisteriopsis caapi vine more difficult to beginning; that it isnt regulated by the government; that the emphasis on business fails to respect the sanctity of the weed; and that it is employing indigenous peoples knowledge.

Francisco Montes Shuna, a curandero running the Sachamama Botanical Garden, says most centres are owned by non-Peruvians and therefore should be closed. Its our culture; the Amazons culture, says Shuna, whose parents were indigenous Capanahuas.[ These foreigners] are coming here and plagiarizing our knowledge.

In the last couple of months more than 40 centres in Peru have committed to joining the newly formed Ayahuasca Safety Council to establish common standards of safety and moralities, as William Menech from the Qhispikay Kawsay Ayahuasca Retreat makes it. Laws on ayahuasca differ and are sometimes fuzzy. According to the Ayahuasca Defense Fund, hosted by ICEERS, it is legal in Peru, illegal in Canada, illegal for everyone in the US apart from two religious organisations, and appears to be caught by prohibitive legislation in England and Wales due to a combination of factors. These are instances set by case law, the brand-new Psychoactive Substances Act which came into force on 26 May, and the facts of the case it contains N, N-Dimethyltryptamine( DMT ), which is listed as a Class A medication in the UK. The International Narcotics Control Board schedules DMT, one of the alkaloids present in ayahuasca, as a controlled substance, but to expressly stated that ayahuasca itself is not prohibited.

Luna calls the boom in ayahuasca a sword with two margins. Some without proper training see it as a method to shape easy money and seduce gullible sightseers, he says, but the positives include reigniting respect for it among indigenous peoples and others and was helping to a certain renaissance in Shipibo art.

Ayahuasca may find its neighbourhood in future civilizations, says Luna. Its ritual usage is expanding, as well as its therapeutic applications, and its further consideration of its effects may reveal aspects of the workings of the psyche.

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