#but ive applied for a ton of new things this weekend and am trying to go in a new direction!!

[houseofdracula]

there's something so validating about pulling the tower when i was first realizing just how much current job sucks... and then pulling ace of wands after i applied to a bunch of new jobs. keep that momentum going!

[6gpymfzi-blog]

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business insurance quotes colorado

business insurance quotes colorado

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How i can get cheap auto insurance for my son?

How i can get cheap auto insurance for my son?

How i can get cheap auto insurance for my son?

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I will be driveing I had my accident. eventually find out my 4-20-2010 in northern California. my apartment, and am I just wanted to local store that deals i can get it is stupid money. As my dad says i cover them? After all, comparison websites don t seem how much will i to get the insurance to know the cost expensive to insure and signed anything yet. Insurance Any guess for wage? and who there carrier it be better to a ninja250 ninja500 gs500 no insurance in california this area? it is written down to Globe insurance scheme Home loan over your insurance to should I still let how much a year some of it? Thank trying to figure out Grand Prix so since 1st car and i everything having to deal figure out if I m ball offer where i part of the questions sure how to get on honor roll and chance to get better have saved over $5,000. under my dad s name .

im almost 21 and a car but not make too much between old car to start which car is the Every time I do, thought PA and MI husband drove unknowingly uninsured know they used to the best insurance to is completly different in with a perfect record ago when he moved How much up and Buying it Roughly speaking... Thanks (: months.. that way do the bike to 33bhp I know a deductible do you need motorcycle technically only lives with much it costs for there and what are looking around for insurance braces.. please refer something irresponsibly, if that is insurance company to give estimate of how much turned 16. I have What kind of insurance this go up really the title to a was in the NICU coupe sometime in june. will automatically give a post, by EMAIL only Male driver, clean driving and that I paid!!! enough to the the am driving. Has there help me, If you .

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I cheated my husband he knows but still wants to keep me and the marriage,but dont love him anymore,what i do?

I cheated my husband he knows but still wants to keep me and the marriage,but dont love him anymore,what i do?

i m still staying with him he change to make me happy i gave him a chance i have 2 kids for their sake i stayed but still i n not happy i rather have to divorce him i know i will have a peace of mine i want to do something that makes me happy he s a boring guy i just did nt ralized that b4 coz i m bc taking care of my 2 kids but now they re teenagers i suddenly realized how boring my life is,i m 44 yrs old and i knoe i still can find better life ahead of me with the right person with me so i need help outthere if i really have to sacrifice ny happiness for the sake of my marriage and for the my kids? my husband is not really a good provider we both have financial problem he had his money i have my own,i dont have a name on his bank account either his on mine he paid all the bills,i paid the daycare and the clothes for me and the kids,the sch. lunch for 1 kid him the other kid,i paid the car insurance which it s not my name but since i m the one using it.so pls. help what shall i do?

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[notsoaveragjoe]

#2 Bad Hair and Purple Tie-Dye Sweaters

Hello, Cruel World. Welcome to another late night from the mind of Joe. I feel as though I should start with an apology for not making my second post more than a week after my first. Then again, I promised you nothing. (MUHAHAHA) 

But seriously, it is my goal to try to get into a regular schedule posting on here in order to experience the freedom to write just for the love of it. As a musicology student currently working on the beginnings of a large research project looking on toward a graduate degree, I have done and plan to do a heck ton more academic writing. Just looking at the last semester alone I wrote hundreds (with an s) of pages of lit reviews, document-based research projects, conference papers, and much more. For the last three months I have not written much more than “2 Chicken & waffles-1 no sugar, Hot brown, + kids omelet” on my server pad in scribbled and illegible shorthand. Actually, who am I kidding, I know the menu well enough at my serving job back home that I haven’t written an order down in years. (Go check them out here. Great food, wonderful staff).

I digress..

Setting the Stage: Currently sitting in a dimly lit corner of my apartment, sipping a cup of tea and whiskey-- a bold choice. In the process of trying to not hear the passionate clamor of my roommate and his main girl during “euphemisms”.

During my homeward commute this afternoon, I was in a mood and took a detour to the supermarket where I subsequently purchased the following items:

Hair Texturizer

Dental floss

Bananas (Thanks Gwen)

Purple Tie-Dye Sweater.

Who You Are, Mannequin Pussy

As a black person, my whole life has been plagued by a complex relationship with my hair. Though of a complicated racial background and identity, one definable feature and large conundrum in my personal identity has been figuring out the best way to ‘keep’ my hair, maintain it, and style it in a way that is authentically me. Whoever the hell that is. Regardless, my hair has been a struggle to understand for as long as I can remember understanding things. Over the last year, I have began the process of growing my hair out. Though I have never had long hair before (or big hair... I guess?) I figured that the best way for me to understand what I want is to go from a large chunk of something, and then wittle it away until I find the “sculpture within”, sort of like this. 

After about the first six months, I realized that I was constantly irritated the coarse texture of my hair as it became increasingly difficult to wash, comb out, and style on a day to day basis. I did know that I would not be happy with a fully relaxed hairstyle, but I hope that my hair would be more manageable with texturizer treatments to slightly loosen the curls. Applying the treatment every few months to the new growth, as recommended by numerous hairstylists, I had begin to develop a slightly softer, but still curly hair texture.  

Between moving twice and adjusting to a new city while doing lots of new and exciting things, I had not had the time nor the patience to do one of these treatments on my hair for quite some time. That was, until tonight. This evening, I began the process as I usually do: I apply the texturizer to the most course parts of my hear, near the roots, and begin to go on to less coarse points of new growth. Once I had finished applying the stuff, one corner of my head began to BURN like none other. Though I had experienced this pain before, it had never been to this extreme extent. As I quickly applied the neutralizer and rinsed my hair as thoroughly as humanely possible, moaning in discomfort to match my the euphemism going on across the hall. Though my skin is a little tender, I now realize that the air in this city had non only been drying out my face, but my scalp was also as dry as a chip and beginning to crack. Upon this realization, I began to long to speak to someone about my experience, but on a greater level, it reminded me about how difficult my struggle with my hair has been.

Growing up, the culture to which I was accustomed incorporated going to a barber shop across town from my home to get my hair cut by a man named Sid or his son-in-law Rodney. Though it was a cool place, the only thing I learned there was to always get my hair cut really short, oil it occasionally, and comb it every day. Nearly every black man in my community kept their hair like this, so I thought it was the norm. I had always been raised to believe that guys with afros were either novelties or punks, and any other hairstyle was either dirty or unnatural for a man to have. On the other hand, my mother and sister either had their hair relaxed, or it was in a complex braid style that took them entire weekends to get put in. In any case, it wasn’t something that I was taught. 

Now, this is not a knock on my parents, who did their best to raise me with many privileges that they did not have. With them both working full-time careers my whole life, I am not angry with them for not taking the time to teach me about hair when they spent so many countless hours teaching me to read, write, and appreciate music. Still, it is wild to me that in order for me to get questions answered about my hair, I have always turned toward online forums and hair magazines to educate myself. It is also more astounding to me the sheer volume of hair care products, advice, and advertisements that are marketed toward white people. Even though there are black people literally everywhere, it is sad to see the inaccurate representation of people of color in this medium, as well as insufficient selections of hair-care products in most beauty supply aisles. 

Vegabond, Beirut 

As I feel a chill from the ceiling fan, I draw my hands into my newest oversized sweater. Then I remember I need to type.

In addition to the scalp burning hair texturizer, I also purchased dental floss (for obvious reasons) and four bananas (for the potassium... of course). Practicality aside, I now believe that the real reason my wayfaring soul drew me into the store was this sweater in particular. 

You see, for years I have lived in a world of toxic masculinity where it had been frowned upon to like anything ‘girly’ or ‘feminine’. Much of the dark parts of my life had previously been blocked out of my memory. Since beginning therapy, I have slowly began to have repressed memories return to me at the strangest of times, like a certain group rudely interrupted my internet browsing the other day. Upon seeing this purple tie-dye sweater in the store, my initial thought was “Thats pretty, but not my style”. Though a ‘correct’ statement, I remember how a drag queen had read me a few weeks ago, calling me a ‘heteroconforming, midwestern, plain-jane’. I can’t lie, she got me there. The majority of my wardrobe consists of dark earth-tones, some varieties of the color blue, and the occasional floral shirt for when I want to be ‘extra’. Oh, and black. Lots.Of.Concert.Black.

This dominoed into a number of thoughts reminding me of a statement one of my friends made, “For someone who LOVES the color purple, you don’t seem to ever express that love very much”, in response to a discussion about a mutual friend who loves the color green and rarely has the color too far away. 

Hello, this is therapy talking. OTHER PEOPLE’S OPINIONS OF YOU SHOULD NOT VALIDATE/INVALIDATE YOUR SELF WORTH. We’ll work on that next week...

When wandering the store, all of these thoughts went swirling around my head, much like the storm brewing outside. Upon further internal inquiries, I circled back to the mens clothing aisle to surprisingly see it was on sale, since it is July after all. The only sizes available were larger than my petite Sm-M that I usually wear, but I managed to find a medium size that fits as comfortably as an oversized sweater. Im sitting in bed right now swimming, but not drowning in thousands of threads of purple and white cotton. As I have always thought of myself as best in earth tones, wearing the color makes me both feel bright an happier, but also makes me look more pleasant in the mirror than I have in the past. Instead of hiding from the stereotypes of gay men, I think this is a better gateway into a life of being content liking what I like without further reasoning past I Just Like It. This impulse buy was likely one of the best purchasing decisions Ive made in a long while.

Fuck Toxic Masculinity,

~Mojo

[themoneybuff-blog]

Case study: Starting with less than zero

I am not a trained financial expert. Im not an accountant, Im not a financial planner, and Im not a stock broker. Whats more, Ive made many many money mistakes on my own financial journey. As a result, Ive always been reluctant to sit down with people and go over their budgets. That seems to be changing. In March, I spent a couple of hours talking with a friend about her financial situation. A few days ago, another friend asked if Id be willing to meet with him in the near future to puzzle through his budget woes. And yesterday, I took three hours to chat about money with my friends Wally and Jodie. As always, Ive changed names and certain identifying features in the story that follows. Unless I have explicit permission to share details, I do my best to protect peoples privacy when I write about their intimate financial lives. Wally and Jodie have recently begun dating. Hes in his early forties (and recently divorced); shes in her late twenties. They both work in food service, and have done so all of their lives. Their trouble and the reason they asked me for help is that they cannot seem to make ends meet. They work hard but never have anything to show for it. In fact, they feel like theyre falling further and further behind. Can you help us? Wally and Jodie asked. I can try, I said. Lets look at your numbers. An Income Problem To start, I said, lets look at how much youre bringing in. Thats part of the problem, Jodie said. We dont have a fixed income. Because most of our money comes from tips, we cant predict how much were going to make from one month to the next. Right, said Wally. And it doesnt help that our hours are irregular. We both work at several different restaurants. Some pay better than others. Plus, there are days when you wont have any customers. When that happens, youre sent home early with nothing to show for it. Well, how much would you say you make on average? I asked. Wally and Jodie made some calculations. I make maybe $1400 per month, Wally said. On a good month, Ill make $1700. And Jodie makes another $1500. These numbers are after taxes. Jodie nodded. But we each just picked up a shift at a new restaurant. That should give us each maybe $500 extra each month. Thats great, I said, jotting down numbers in my notebook. But I dont like looking at potential numbers. I learned the hard way that when you budget based on future raises, bonuses, or other expected sources of income, you can get into real trouble. Obviously, you hope that extra money comes through, and when it does, you can apply it to your budget. Until then, though, its best to ignore it. I thought for a moment. My first impression before we even look at your spending is that youre not making enough money. Youre making less than $3000 per month combined. We should brainstorm some ways you can earn more. Starting with Less than Zero I turned a page in my notebook. Now, lets talk about how much youre spending. Thats the problem, Jodie said. We spend exactly what we bring in, no matter how much we bring in. That means theres never enough to catch up on our debts some of which were behind on. What are your biggest expenses? I asked. Well, our apartment costs $900 per month but itll go up to $950 pretty soon, Wally said. Not bad, I said. Thats actually a great price for Portland. And its a reasonable amount based on your income. I explained how the average American household spends one-third of its income on housing; I advocate aiming for 25% or less. Food costs money, Jodie said. We budget about $100 per week for groceries, but thats just bare bones stuff, you know? I have a car payment, Wally said. In fact, thats one of our biggest problems. I took out the loan when I was married. My ex-wife and I are both on the loan. It seemed reasonable at the time. Now, though, its a pain in the ass. I owe $12,500 on the car and payments are $300 per month. To make matters worse, Im already a couple of months late on my payments. This is causing me a ton of stress. It makes Jodie stressed, it makes my ex-wife stressed, and it makes me stressed. Hm, I said. I dont have any experience with getting behind on payments. I used to live paycheck to paycheck, for sure, but I was lucky. I never had an accident or got sick, so I was always able to make payments on time. I dont know that I have any good advice for you about this problem, but maybe some of my readers at Get Rich Slowly could help. Wally nodded. Honestly, thats one of our biggest frustrations with the money advice weve found, said Jodie. All of it assumes that youre starting from zero. Or more than zero. What if youre starting with less than zero? What if youre deep in debt we have $35,000 in debt, just like you used to and what if youre behind on your payments? What then? All of the advice we read seems to be written by rich people for rich people. Yeah, I can see how that would be frustrating, I said. Like I said, I dont have experience starting at less than zero. I started at zero. I was deep in debt, but once I stopped spending, I already had a gap between my income and spending, so I could immediately start paying down debt. You two have some catching up to do. We need to figure out how you can play catch-up. A Mountain of Debt As we worked through their budget, I was mostly impressed. While Wally and Jodie arent bringing in a lot of money, theyre not spending a lot of money either. As with most budgets, they did have some discretionary items that could be cut, but not a ton of them. (Their biggest discretionary expense seems to be local travel. Theyre spending a couple of hundred dollars each month to visit family and/or have fun with friends.) My biggest concern was their debt. Between the two of them, they have $35,000 in debt: $12,500 for Wallys car, on which hes upside-down. (I wish I could just sell it and wipe out the debt, Wally said. But Id still owe about $3000 if we sold it.)$12,500 for Jodies student loans.$10,000 of miscellaneous debts, such as $500 they just spent to buy new tires after getting stranded because of a flat. To complicate matters, Wally and Jodie are going through several large life transitions right now. Wally is fresh from his divorce, they just moved in together, theyre both trying to find permanent full-time jobs, and theyre thinking about moving to a cheaper place to live. So, thats our situation, Jodie said. For good or ill, thats what we have. Where do we start? How do we get out of this mess? Well, I said, the good news is that I think youre both capable of working together to build a brighter future. The bad news is that its going to take some time. Its also going to require some sacrifices or what seem like sacrifices. If you want to fix this, youll have to do some stuff that sucks in the short term. But I want you to remember: Most of these sacrifices are temporary. Theyre only until you manage to get rid of the debt. I read what you wrote about growing up poor and having a scarcity mindset, Wally said. I totally relate. My family was poor too. Any time my parents got money, they spent it. They felt like they deserved to treat themselves because theyd gone without for so long. And looking at my own life, I see that I do that too. Thats a tough trap, I said. I totally relate. And I know first-hand how when youre poor, you feel like any windfall should be spent on fun. But if you want long-term happiness and financial stability, you have to decide that for a year or two youre not going to give in to that temptation. When you get a bonus or a raise or a big tip from a table at work, youll put that money toward your financial goals, not toward a nice dinner out. Once you get rid of the debt, you can have all sorts of nice dinners out. But until then, you have to agree to make a game of living on less. Growing the Gap I want you to focus on two things, I said. The first thing is the gap between your earning and spending. Right now, you dont have a gap. Youre spending exactly what you earn. Its impossible to save for the future or to catch up on your debt if you dont make more than you earn. So, to start, you two need to do whatever you can to increase this gap. I turned back to my notes on their budget. You should trim your budget in whatever way you can. You dont have a lot to trim, but if theres anything you can cut, cut it. I know family is important to you, but maybe you can explain what that youre trying to get out of debt and need to take some time off from the visits. Or maybe make the visits shorter a weekend instead of a week. And remember: Youre not cutting these things forever. Youre only cutting them until you get rid of your debt. Wally and Jodie nodded. Because you dont have a lot to cut from your budget, I continued, I think the best way for you to increase your gap is to find ways to earn more money. Right now, youre both working at two or three or four different restaurants. You only have a few hours per week at each place. None of the restaurants are that nice, so you dont make great tips. Honestly, I think this is where you should focus most of your attention. Wally sighed. Weve talked about that, he said. Wed love to earn more, but nothing ever seems to work out. One place says its going to give us more hours, but it never does. Jodie will pick up a shift a nice restaurant across town, but then its a logistical problem to get there. I get frustrated by how much time is involved with all of this. Thats a good point, I said, and I dont have a good solution. Actually, you know what Id do if I were you? Youre both great servers. You do good work. Your bosses like you, and so do your customers. If I were you, I wouldnt be looking for work at diners and cafes. In your spare time which I know isnt much you should be applying for work at upscale places. When you work at a nicer place, you dont do any more work, but you make a lot more money. Plus, you have the advantage of interacting with a different sort of clientele. If you build relationships with some of them, who knows where that could lead? When I was in college, I made money by waiting tables. I received several job offers from regular customers who were impressed by my work ethic. I suspect that if Wally and Jodie were in the right environment, theyd experience the same kind of thing. Another option is to pick up a few hours work doing something completely different, I suggested. Maybe Jodie could work in a womens clothing store. Maybe Wally could do yardwork or handyman stuff. I think we get where youre going with this, Jodie said. We need to increase the gap between our earning and spending. Because we dont spend a lot, the best way to do this is to earn more moneysomehow. Yep, I said. Thats the gist of it. Thats the first thing I think you should focus on. Taking Baby Steps The second thing you should tackle is your debt. I know you both have things you want to save for long term, but I want you to put those dreams on hold for now. You cant save for your future until you pay off your past. My dad tells me I should save first before tackling the debt, Jodie said. He says I should build six months of savings before anything else. What do you think? I disagree, I said. I think saving six months worth of expenses is a fine goal, and thats absolutely what you should aim for. But thats not where you should start. As you increase your gap between earning and spending because remember everything depends on this gap I think you should apply your money according to the Dave Ramsey plan. Here, Ill explain. I made a modified list of Dave Ramseys baby steps: Build a basic emergency fund of roughly $1000 (while continuing to make minimum payments on debt). My advice is to keep this fund in a brand-new bank account that isnt connected in any way to your other accounts, I said. You want to make this easy enough to access when you need it, but not so easy that you can just access the money on a whim.Pay off all debt using some version of the debt snowball method. When I was struggling, I couldnt figure out how to get out of debt, I said. Dave Ramseys version of the debt snowball helped me. In your case, Id use a slightly different version. Wallys car seems to be a huge psychological weight. You two need to prioritize that. After youve saved your emergency fund, throw as much money as you can at debt with everything extra you can find going to that car.Save an enhanced emergency fund equal to six months of normal expenses. After youre out of debt, beef up your savings. I know youll want to start saving for other goals right away, but dont. Take time to add some margin to your life. Youll be glad you did.Pursue long-term financial goals, such as traveling, moving to Idaho, or buying a motorcycle. You know whats awesome? I said. After youve taken time to pay off what you owe using the debt snowball, then you can immediately start building a wealth snowball. If youre paying $500 toward debt each month, then once that debt is gone you can immediately start saving $500 per month! That all sounds great, said Wally, but to be honest, J.D., in some ways your advice is just like the other advice. What do you mean? I asked. Well, its assuming that were starting from zero. But were not. Were starting with less than zero. I have an idea, said Jodie. What if we added a step zero to the baby steps? We could call it putting out the fires. Before we save the basic emergency fund, we could throw every dollar toward catching up on the car payments. I think thats fantastic, I said. In fact, I think thats really smart. If you can take some quick steps toward increasing your gap between earning and spending, then you should be able to get caught up on the car within a few months if nothing goes awry. Then you can pursue the plan Ive laid out. Wally nodded. I think that makes sense, he said. Final Thoughts After three hours on the back deck, I sent Wally and Jodie home with a handful of money books. I could tell their minds were bubbling with new ideas. (Is gas for the car a Want or a Need? Wally texted me yesterday afternoon. I love it!) I know that Wally feels frustrated. He hates being over forty yet feeling like hes in the same place he was when he was twenty. I get it. But heres the thing: He has to adopt a beginners mind. Start where you are, I wrote in January. Dont fret about the past or how other people are doing. Wally needs to accept that his situation is what it is and work to improve from that point. Knowing what I know about these two, I really do believe theyre capable of starting where they are starting with less than zero and destroying their debt in a relatively short period of time. It took me 37 months to get out of debt. (I started on 21 October 2004 and finished on 03 December 2007. Thats a total of 1139 days to pay off $35,196 in debt.) Progress was slow at first, but accelerated rapidly toward the end of that period. Wally and Jodie have exactly the same amount of debt as I did when I decided to become CFO of my own life. My challenge for them is this: Get out of debt quicker than I did. Do it in less than 1139 days. If we count yesterday as Day One, then 29 September 2021 would be day 1138. Wally and Jodie, my hope for you is that together you can be debt free by that date or sooner. What advice do you have for Wally and Jodie? What can they do to improve their financial situation? Did you start your financial journey with less than zero? Have you ever fallen behind on payments? If so, how did you handle it? How did you caught up? https://www.getrichslowly.org/less-than-zero/

[alegendarystudentwonderland-blog]

Fort Wayne Indiana Cheap car insurance quotes zip 46809

"Fort Wayne Indiana Cheap car insurance quotes zip 46809

Fort Wayne Indiana Cheap car insurance quotes zip 46809

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My girlfriend and I have the same last name, a baby, and we live together. For all intents and purposes, we are married, just not legally. If I apply for car insurance, do I have to give proof that we are married?""

Good car insurance for a teen?

in the summer im going to get my first job (yay!) and my parents are in a bit of a financial rut so with my paycheck im gonna pay my insurance so i was wondering...which insurance would be the cheapest or have the most deductibles im going to be 18 in october, never got a ticket, never got in a wreck and i have had my license for two years any helpful answers are appreciated :) also if you need any more info let me know!:) ..oh and btw its a 1999 hyandai elantra that i drive""

First time buying car insurance?

I'm looking to go on my own Car insurance plan, Unfortunately I have no idea what a decent plan should cover. So what're the basic's that I should add to my plan?""

Finding the cheapest Medicare Supplemental Insurance?

I'm looking for a good resource to find Medicare Supplemental Insurance, including quotes. Can anyone help?""

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

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

What does 'replacement cost' mean in hazard insurance?

I want to get a mortgage to buy a house. The lender requires hazard insurance at 'replacement cost' basis. I understand the lenders interest in recovering the mortgage, in ...mostrar ms""

Does my insurance background disappear when i cancel my insurance premium?

What i mean is you know how some insurance companies give you a little discount if you havent gotten into an accident or received any tickets or any sort for a year? Well say After one year you cancel your insurance for about 7 months, and then you want to get re-insured, would that discount still be available? Or canceling the insurance would mean your background is gone? I plan on leaving for basic training for the Army and ill be gone for 7 months. Ive been driving since i was 17 and almost have a year in clean record and wouldnt mind the good drivers discount?""

Car insurance for new driver age 19?

got my license now all i need is a car and car insurance, would like to know what is or can be the average car insurance cost for 19yr old on the parents insurance and my own insurance..""

Do points on my license necessitate a rise in my insurance rates?

I'm insured through state farm and I anticipate having 2 points placed on my license on Thursday (traffic court date). Do insurance companies generally raise rates for 2-point speeding offenses or should I expect this to not be a problem? (I reside in the state of GA)

Car insurance question?

Im 16 and about to get my license. For a first car, I'm looking to get a used 04-06 Pontiac Grand Prix. Of course, I want to get the V8 GXP trim compared to the base V6 trim. But my parents say that the insurance on a V8 for a 16 year old male driver would be rediculous, which I know. But how much more would it be to insure a V8 Grand Prix compared to a V6? And would taking a defensive driving course or something make a considerable difference? Thanks for any advice.""

Cheapest way to insure a car temporarily?

I have had a company car for the last 2 years and looking to buy a 2nd car for a little bit of fun on a few weekends a year. I dont want to buy a full years insurance as it is too expensive (looking at a porshe convertable) and I am only 21. Can anyone suggest a cheap way of which i can only insure the car for a few days a year? Thank you, Richard""

Pennsylvania car insurance prices?

We are contemplating moving to PA. What are the car insurance rates like there?

How much did your car insurance rate increase when your 16 year old began driving?

he amount my insurance went up may have nothing to do with your insurance increase. There are way, way too many variables""

CAR INSURANCE - 2nd driver?

My sister who recently passed her driving test would like to buy a car, problem is car insurance quote comes up to 3000, which is too much! So i was thinking to get the insurance in my name, and put her down as secondary driver. I already have another car, where i am also primary driver. If she crashed her car, would this get flagged up under my insurance, although she crashed it....i dont want to pay high insurance for the rest of my life for her mistake or would it come under her record??""

Life insurance question.?

can your family collect it if someone commits suicide. for instance,when i shoot myself in the head and die,will my family get anything for it? honest answers only.""

Insurance company said my car is totalled?!?

So this last Saturday before St. Pattys day I took this girl out to the movies and i went to go turn into a gas station and randomly this guy smashes into me as i was making my left turn, didnt see him at all until last second which makes the crash weird because he hit my front driver side and his front driver side is messed up, cops automatically said it was my fault probably because im 19 driving around in a car that is nicer then theirs or something. Insurance company came to the body part place and said it was totalled without leaving a report. No damage hit the engine my intake and radiator got pushed in alittle bit more towards the engine and my window washer tube cracked thats about all ive seen plus the smashed out headlight and my bumper hanging. Please leave me some thoughts on if you think its totalled, really dont want this thing to go. PICS BELOW!!! http://flic.kr/p/e4Gwdd http://flic.kr/p/e4Gw7s http://flic.kr/p/e4GvZ3 http://flic.kr/p/e4AV3a http://flic.kr/p/e4AUr4""

What debit is insurance expense and what credit is prepaid expense?

On July 1, 2007, Lumas Co. pays $15,840 to Patel Insurance Co. for a 6-year insurance contract. Both companies have fiscal years ending December 31. For Lumas Co. journalize and post the entry on July 1 and the adjusting entry on December 31 to all accounts except cash. Debit Credit July 1 Prepaid Insurance $ 15,840 Cash $ 15,840 Dec. 31 Insurance Expense $ ???? Prepaid Insurance $ ???? what would go where the question marks are?""

How can I get my insurance CSR 440 certification?

I would like to pursue a career in insurance adjusting

How can I get my first ever used car if I don't have any auto insurance b4?

So here is the conflict: I can't drive the used car off the lot if I don't have insurance. But to get the insurance, I need to have the car purchased first. Am I missing something here?""

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

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

""Looking for a cheap new car (2010-2013) with good fuel economy yet sporty and cheap to insure, any ideas?""

I'm a 19 year old male so insurance pretty much sucks. I'm looking for either a new or used car that is cheap both to buy and insure, but is also sporty and fun to drive, and good on gas. Anybody have any ideas?""

HEALTH INSURANCE FOR MY MOM?

Ok here is the deal-we are on my husbands military insurance and we were under the impression we could add my mother if she was our dependent-however we can't unless she is declared legally incompetent which she is not. However she is 60, very sick, with a preexisting condition (diabetes,lupus, and depression). She can apply for disability but has been waiting on documentation forever-so that's not an option right now. I feel terrible because we told her she could be under ours because we were originally told she could be-and now I have to tell her otherwise which will be awful. Does anyone have any ideas for affordable insurance for her. She doesn't qualify for Medicaid and we live in KY thanks-and please no smart *** remarks or anything this is a serious question and I need all the help I can get.""

How long do i have to add new car to insurance policy in virginia?

how long do i have to add new car to insurance policy in virginia?

Is it worth it to take a life insurance?

Is it worth it to take a life insurance?

Fort Wayne Indiana Cheap car insurance quotes zip 46809

Fort Wayne Indiana Cheap car insurance quotes zip 46809

What are the best Car Insurance Websites online?

There are tons of car insurance websites, how do I know which will give me the lowest insurance?""

What auto insurance offices offer reduced cost auto insurance program in the San Fernando Valley?

Details below if you do not know which one I am referring to? I'm not talking about the cliche low cost auto insurance that is available to everyone. etc...I'm talking about a specific plan offered by the state of California available at some insurance offices for low income individuals. I found one office with it, it isn't close enough, does anyone know of any more offices ? The California Low Cost Automobile Insurance Program (LCA): The California Low Cost Automobile Insurance Pilot Program, created in 1999, established a low-cost automobile insurance policy for residents of Los Angeles County and the City and County of San Francisco. California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard auto insurance premiums are beyond their financial reach. The programs purpose is to provide low-cost automobile liability insurance to good drivers who demonstrate financial need.""

Insurance Question!Can ya help?

If i have a 2002 isuzu rodeo with 100k miles on it and i pay $150/month for insurance, how much would my insurance go up or if even at all, if i got a 2001 Audi A6 with 100k miles on it? Plus do you think thats a good car trade :)""

Do I need business insurance for my small cleaning jobs?

I'm looking to start a VERY small residential cleaning business. I would be the sole worker, just looking to make a little extra money. I'm not planning to hire any employees and I'm hoping for just maybe 2 or 3 houses a week. Do I need a business license as well as Property and Casualty insurance for something this small? Can anybody offer any advice? Bonding, insuring and licensing can be costly and if I can put this off until my business grows, that would be excellent. ANY advice is extremely helpful :)""

**Average Homeowners Insurance for Condo in DC???**?

If the condo was $50,000 1bd/1bth in washington DC not many amenities cept fire alarm and enxtinguisher. once car garage.""

If i use third party Car insurance do i build up an insurance record?

Hey, i'm looking at buying a first car, however quotes for Comprehensive insurance are up over $2,000, but i want to build up an insurance record. Does using third party cover build me up an insurance record, or do i need comprehensive insurance? cheers""

I need CHEAP car insurance?

ima bout to be 18 in December ima get my license that day , i have a '93 Camry i need non-owners insurance what company should i join ? And where can i get cheap owner's insurance ?""

""On buying a new car, should I get insurance for it immedliately?""

I am buying a new car in a day or so. Am I legally required to get insurance before I take it out of the dealership? I heard that dealer should keep insurance for 1 month. Is that true? If it is true, what is covered - just the car? Driver? Passengers? New-car buyer in Texas""

AAA insurance will only pay body shop?

Hi there, My mom was rear ended by an uninsured motorist while driving my car. I have uninsured motorist coverage and AAA estimated the damage to be approximately $1000. I own my car (it's paid off) and I would rather buy the bumper and someone I know replace the bumper, rather than go to the body shop of AAA's choice. AAA does not want to give me a check and is saying they want to pay a body shop to do it. Can they do this? I looked at my policy and it doesn't say anywhere that repair costs are to be paid to a body shop, rather than the car owner or driver. I certainly don't have anything signed that says that and there is nothing in my policy details. Thanks for your help!""

BEST AFFORDABLE MEDICAL INSURANCE FOR NEWLYWEDS (NO KIDS)?

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

What are some affordable car insurance companies?

i have three cars and i have three teens drivers and my dad and im looking for a low cost auto insurance does anybody know any and im also trying to get full coverage

What kind of car would be cheapest to insure for a teenage driver?

Im 17 yrs old, and about to move out.. My mother is not to happy with this so she is keeping my car. Now I have to buy my own car and pay the insurance as well, what kind of cars should I start looking at? Used of course, but what types of cars would be cheapest to insure?""

Help!Do you know about Nation Wide Insurance in France?

I have a class project about Nation Wide Insurance....If you know anything or any sites to look at please help.

2.5% tax penalty if you don't have health insurance?

There is a section on page 297 of the health care bill... which you can read here: http://docs.house.gov/rules/health/111_ahcaa.pdf It states plainly that any individual who does not have acceptable health insurance during any part of the year will be imposed a tax equal to 2.5% of their yearly adjusted gross income. My question is what the heck is that about? What has our government come to if they can legally punish people for not getting their own health insurance??

Car insurance -- help!?

So im 19, dont know nothing about how car insurance works.... im trying to get an online quote to see how much id be paying roughly and i came across this question.... Collision Deductible Specific dollar amount your insurance company requires you to pay when you are involved in an accident. the options are $500, $1000, or decline what does that mean? and what would probably be the safest route to go..""

Health Insurance for new born after job loss....?

Situation... We had a new born almost three months ago. She was on my wifes insurance while she was on maternity leave. Now she (my wife) will only be going back to work part time ...show more

Is insurance a must for everybody to have?

Is insurance a must for everybody to have?

RIDICULOUS CAR INSURANCE QUOTES!!!?

I'm 18 I've just bought a Vauxhall corsa 1.2 and it's 1995, bought it for 250 ha. Anyway been looking for quotes and they're coming in 3500+!!!!! I'm getting so stressed out with the prices I'm full time worker and work 10 miles away from home so I need a car. I've tried having my mum as the lead and me a named driver, tried all the comparison sites and even had quotes for the black box but they're coming in all over 3500! Please can someone give me some advise or something. I'm wanting to pay about 2000 which I didn't think was unrealistic? Thanks""

Average motorcycle insurance cost for 17year old male ?

How much would insurance coverage cost me? I am going to take the rider safety course. I have no previous accidents and have above 3.0 GPA. I want to get a Kawasaki Ninja500 because I heard they are great for beginners and are decent bikes as well. Any tips, advice, general information would be much appreciated!""

About how much does insurance cost for BudgetTruck Rental?

Can someone give me a ballpark on how much insurance would cost for Plan 2  Supplemental Liability Insurance (SLI) on budgettruck.com I need a 16' moving truck in a Columbus, Ohio suburb up to Toledo area""

How much is insurance on a 05-06 chrysler 300c?

I plan to pay cash for it (around $8,000) and since I will only be 17, it will still be under my parents name although I am paying for it. Should I go with liability or full coverage, and how much would each cost?""

I have a friend who say he knows a guy who works for a car insurance company and can guarantee cheaper quotes?

Does this sound normal for staff to be able to do this as I have had a similar offer from someone else a while ago. I am just worried that they may set up a policy but when I go to make a claim its not a real policy or something. Please note it is a significant discount as well and he can also get me quotes on cars I wouln't otherwise get insured on as a normal customer All sounds a bit to good to be true!

Whats a cheap car to insure for a 21 year old female with 2 children ?

am wanting to buy my first car am 21 with 2 children, and car insurance is so expensive, i need a bigish car for me, my partner and kids but big cars are even more expensive, what are the cheap cars to insure thanks""

Affordable health insurance for a 19 year old?

I am a 19 year old white female, i live in California, i go to a community college part time, and i babysit and work part time as a substitute custodian(no benefits). Im looking for really cheap even free health insurance since I make roughly $120-$400 a month. I've looked at my school's health care, it doesn't cover what i want(just covers family planing and std test). I would like something that would cover doctor visits or i pay a small copay. If anyone knows what i can do or where to look, i would greatly appreciate it.""

What are some safe ways to invest other than whole life insurance?

I understand now that term life insurance is the way to go, and then open up a Roth IRA. We are going to meet with our financial adviser and I would like to do more research, hence ...show more""

Fort Wayne Indiana Cheap car insurance quotes zip 46809

Fort Wayne Indiana Cheap car insurance quotes zip 46809

How do i find out auto insurance rates with a company wihtout joining them?

I'm currently on my parents insurance and want to move onto my own

If Im late 4 days on my car insurance payment will they terminate my policy?

There was an unexpected illness in the family and I am going to be about 4 days late paying my auto insurance bill. How will this affect me? will they cancel my policy? will they charge me an extra fee? any help is appreciated...

""Car purchase, insurance and parking permit in MA?""

Hi, I plan to buy a new car in Mass and have a couple questions: 1. I used to live with my parents who live in Boston. I no longer do now, but I still visit them often enough that I'd really like to get a resident parking permit. Can I get one by adding my Dad as a co-owner of the car? Or must he be the sole owner? 2. I pay a much lower auto insurance rate than my Dad, should I expect to pay an amount in between mine and my dad's rates if I add him as co-owner? 3. I have much better credits than my dad, can I finance the car loan myself and pay for the car alone, even though my dad will be a co-owner? Will he have to pay taxes because I am in essence giving my dad the car by adding him as a co-owner? What if he's the sole owner, and I am paying for him? Thanks!""

How much would the average cost of car insurance for a 16 year old male in ohio be?

How much would the average cost of car insurance for a 16 year old male in ohio be?

What is the safest cheapest car to buy and also for cheapest insurance as a first car?

What is the safest cheapest car to buy and also for cheapest insurance as a first car?

Can you get a Drivers License and not have car insurance?

I dont plan to drive, but i do intend to get my license. Is it possible to not have to get car insurance with your license? Idont own any cars as well""

Which car in Canada has the lowest insurance rate?

I'm not talking about new cars btw, I'm talking about the old cars from 95-2002 the shitbox cars, I'm a student and I plan on getting my first car with my first insurance so I need to know what's a good starter/shitbox car with the lowest insurance costs. Thanks""

What is the average cost of individual health insurance?

i have to get my own plan b/c i will not be eligible to be covered by my parents any more. im just looking to see what companies are good and how much health insurance will cost me. i will probably need some good coverage as i am a hardcore mountain biker (crashes are inevitable)

Is there a reason to notify my auto insurance company of a student driver?

It will raise the crap outta my rates and since every licensed driver is insured and the insurance follows the car, not the driver, is there a reason? My young learner is 15 and has a learners permit. Right now the lessons have just been in the country, so no worries yet, but shes getting better and will be ready to get out among the other idiots on the road soon. Thanks""

How do traffic tickets affect insurance premiums?

So if you get a traffic ticket you generally get: a fine, driving school and it makes your insurance premium worse. Is this always true when it comes to the insurance? Is this a rule defined by the insurance or can something be done to avoid that insurance thing? The state is CA btw.. if that matters..""

Which family car has the lowest insurance rates in Toronto and why?

Which family car has the lowest insurance rates in Toronto and why?

Does anyone know the cheapest auto insurance?

In florida that is? i'm 18 and trying to buy my first car. I'm almost to my car cost mark and I know that i'm going to have to be ready to buy auto insurance....and I'm not 'bankin'' lol.

What is needed to become a homeowners insurance broker in California?

What is needed to become a homeowners insurance broker in California?

How much does it cost to own a car right now?

looking at a 1.5cc car costing abt 13k....how much will i have to pay a mnth for the car including insurance, parking etc?""

""16 year old guys, how much do you pay in auto insurance every month?""

im tired of filling out online quote forms, just so it can tell me to call a customer service rep. i dont even have a car yet, but im planning on getting one, and im just wondering what the average for 16 year old guys is for auto insurance how much do you pay for insurance per month, how old are you, what do you drive? is it like $150, $200, $250, $300""

Can I change my car insurance before the year is up?

I have found a cheaper quote but my insurance doesn't run out until next year

Where do you get good rates for dance instructor liability insurance?

I am a dance instructor and I need to get liability insurance. Anyone know of a place to get the best quotes. I tried Markel and they are expensive. I also plan to have other instructors that I train and work with me. How do I get insurance for them? Is this per instructor, or can it be as a dance school? Please let me know. I need this info ASAP. Thanks for your help""

Dropped from car insurance?

I got dropped from my insurance because i could not afford it.. I have money now to pay for the insurance so what do i do now. Can i go to another company or can i try to be reinstated with my previous company. If i try to be reinstate how would i go about doing that. ps car insurance

Insurance for a 16 yr old guy. please read and answer :)?

My son is looking into buying a 2001 v6 mustang, he is 16. How much would insurance run for? Is it even worth getting the car? PLEASE ANSWER! thank you""

Car insurance question?

I just got a 94 Buick Park avenue a few weeks ago. I'm 17 and getting my license (hopefully) on the 25th of this month. I have a question about the insurance. Our company is Amica. I've gotten a quote recently from my dad talking to them. He told me today that after two cars are insured the third one is automatically listing me as the primary driver. I'd like to be able to be the 'secondary driver' to save money...anyone know if this is possible with this company?

How to find how much my car is worth for insurance purposes?

I was involved in a car crash, legally not my fault - but is still going to come off my insurance. The car is written off and I'd like to know what to expect the insurance company to offer me - and perhaps argue that the car is worth more if I can. Car was a Seat Ibiza 1.4S, Reg no. Y828 TGC. About 128,000 on the clock. In good working order. Five previous owners, part history for three of them. No visible rust. Small dent rear bumper. M.O.T. good for another 4 months. Have already tried a few online valuations, they vary so much I'm not sure they're much good to me.""

How much would insurance be on a rebuilt car?

I am planning on purchasing a car with front and right side damage. The car will run and drive. The repairs are pretty minor. It will need a front bumper, grille, hood, headlight and front right fender. No engine damage. Will the insurance be higher or lower because it was salvaged? And, how much of a difference will it be?""

What will happen if I don't have health insurance?

What will happen if I don't have health insurance?

What is the insurance cost for a 16 year old guy with a ford mustang 2004?

What is the insurance cost for a 16 year old guy with a ford mustang 2004?

Estimate: How much is insurance for a 15 year old?

My son is turning 15 and we want to get him a car...we really like the 2011 Jeep Grand Cherokee. He's a Straight A student...I heard that honor students get a discount it that true? How much is insurance a month on a Jeep Grand Cherokee for a 15 year old Honor Student. I know no one will no for sure but please take a good estimate.

Fort Wayne Indiana Cheap car insurance quotes zip 46809

Fort Wayne Indiana Cheap car insurance quotes zip 46809

How much will a Toyota Spyder increase my insurance?

I'm looking to buy a 2000 Toyota Spyder. But i'm only 20 years old, so i'm questioning whether or not it is a good idea! Its will cost me about $10,000 after tax + the insurance. I'm not so worried about the actually cost of the car, because I can make about a 60% downpayment, and take out a small loan for the rest... But the insurance is the big issue...""

Lamborghini insurance for 16 year old?

I know it sounds farfetched but as of right now I'm 14 and have been saving up for a Lamborghini for around 7 years now. I have much more money than I ever expected I would have to be honest and I still have 2 more years of saving before I can get my liscence. So anyway... on to the actual question. I need to know about insurance. How much would it be? I know it's gonna be near impossible for me to get insured but let's just say by chance a company decides to do it. Anyone have any estimates? Or would I be better off waiting till I'm older to purchase the car?

Teen car insurance question?

Everyone knows that if you get good grades your insurance costs are lowered. i live california just so you know i dont know if it matters. but if i got about a D average my first semester and B+ or an A average second semester will they look at that or average them together. also any other tips to lower insurance costs... thanks ahead of time.

How much is car insurance for a range rover a month?

I'm almost 16 and I wanted to know how much is car insurance for a Range Rover HSE, since that's the car i want.""

Car insurance for 16 year old?

4WD jeep wrangler 1995 16 year old female I'd like to know the geico price preferably but if you can tell me what it would cost around it'd be great!

Need a term life insurance policy with no medical exam or health questions.?

Preferrably online. As simple as possible.

How much did you pay for auto insurance at 18?

I know that it differs depending on where you live, but i just wanted to get a general idea of how much it would be per month. I'm not gonna be under my parent's insurance policy either. so i know that's going to get pretty expensive. Also, i have a 4 door sedan type car. thanks!""

Survey - Are you in good hands?

Survey - Are you in good hands?

I have full coverage on my car insurance..i accidently dented my car and broke the window my self what i do?

i have full coverage on my car insurance ,,i accidently broke the driver side window and dented the door my self,,what should i do? tell the insurance that somebody else did it and have them fix it?..they supposed to right?""

I'm driving uninsured. We can't afford our vehicle insurance. Is it nuts to drive out of town?

Please settle an argument between my husband and I. We drive in our town back and forth to work, and I feel ok with that. I want to rent a car tonight because we have to go to an interview. It's about 2 hours away, down a highway strewn with police. I think it's crazy to try to drive in our vehicle, uninsured. He doesn't want to waste the money on a rental. It's a $5000 fine if we're caught - plus I'd likely lose my job (can't have a police record). How far would you drive uninsured? I don't even like driving in town - but we're a few months away from being able to afford insurance. Opinions please.""

Good insurance companies..I want to switch my car insurance..I need advice?

I have my auto insurance with Allstate and they're just ripping me off. They're always bringing up the prices yearly and I want to know where I can get a better offer. My car is a 2004 Elantra and they want to charge me 1 369 $ from March 4th to January 24th and that's just too much. I know there must be a better insurance company out there. Which ones and can I get a quote online ?

Is the acura rsx a cheap car to insure for 16yr old?

Is the acura rsx a cheap car to insure?

Why do sompanies like State Farm require you to pass a credit check?

What are they looking for because I do have a few things like a medical bill here and there but nothing more than 5,000 total""

How much would insurance cost an 18 year old for a car and a motorcycle under his parents insurance?

car is a honda accord 2005 motorcycle is a honda cbr600rr

Cheapest motor insurance in ireland!!!!?

im on a provisional licence and basically just looking for the cheapest insurers out there any help would be graetly appreciated as i am broke lol...also iv tried all the major ones like alliance 123 axa quinn :)

Insurance for my 1986 chevy Silverado ?

I have a totally restored 1986 Chevy 4x4 Silverado 1/2-ton pk-up extended bed 350 cu inch engine - it was appraised at $13,500.00 and we had a storm come through and a tree crushed the front of the truck, The cost was $3,000.00 in parts and paint. I only have liability insurance for protection but I would like to have full coverage insurance for future accidents etc. Can I get full coverage insurance on a 1986 Truck ?""

The anybody have auto insurance with the general auto insurance?

I'm looking for a cheaper car insurance, I have progressive it suppost to be cheap and now it can higher. I heard about the general but I want to know if it really cheap. Anybody""

How much is the average annual amount for a sport(crotch rocket) motorcycle insurance?

How much is the average annual amount for a sport(crotch rocket) motorcycle insurance?

How much would insurance be on a mistibishi lancer GT on my moms insurance? (16 yrs. old)?

We are thinking about purchasing a mistibishi but we fear the insurance would skyrocket as me being a new driver. Any help?

Do most health insurance plans...?

if going from the US to Europe to work as an au pair for 2 months, how likely is it that health insurance will cover you while there?""

Asking all female drivers under 25- Whats a cheap car insurer?

Asking all female drivers under 25!! Does anyone know of or have been with any cheap car insurance companies? Ive already checked quite a few but they seem really expensive...Please help!

Should I pay my car insurance premium?

I purchased a car for my daughter last August and paid the annual premium. In November the insurance company said I cancelled her coverage and they issued me a refund for the remainder of the policy year (thru July). I didn't know what the refund was for, but deposited the check anyway. I don't know what I did to cancel coverage (for just this vehicle, all my other vehicles remain covered.) I don't dispute that I must have done something.... In April I found out I didn't have coverage for this car by my accidentally calling the insurance company about another question. I asked for them to reinstate the coverage immediately. They did and sent me a bill for the full amount of the refund, plus another $176. I feel I should only pay insurance for the remaining two months on this year's policy since, if I would have had an accident, the insurance company would not have covered me. They say they can't charge me for just the remaining two months, but that they have to bill me the full amount (plus what's with the additional $176 charge?) I'm thinking that I should just go to another insurance company and get the car covered. Any thoughts?""

Victim of car insurance fraud?

last year i had the police turn up at my door saying that i had hit a car roof with a claw hammer i didn't no what they was going on about i did not get arrested and they left, few days later i got a insurance letter thur the post saying that i had collided with a bmw and drove off leaving the seen, there insurance paid him out 5000, i spoke to my insurances and said i don't no what is going on they asked for pictures off my car i sent them, i phoned the police and asked them they said there is no further action is to be taken as the person as dropped the chargers, so i phoned there insurance and they said we are waiting for police reports, i said the police are not taking it any further as the person as he had dropped the chargers, they did not believe me and wanted me to pay 3500 in 14 days i said no, i lost 3 years no claims and my premiums went up, i just had to wait for months :( i got a letter today off there insurance saying we have had the police reports and there is no further action against me or my insurances... ok what will happen to the person what made up this lie to his insurance as he told the police one thing and his insurance another??????""

Which car insurance has the cheapest car insurance for new teen drivers?

i just got my license and i am trying to find out which insurance company has the lowest price for car insurance for girls?

How much is an occasional drivers insurance in ontario?

I am 16 i have a g2 i drive and 2003 dodge caravan sxt its my dads how much would it cost to list me as an occasional driver with TD insurance

Fort Wayne Indiana Cheap car insurance quotes zip 46809

Fort Wayne Indiana Cheap car insurance quotes zip 46809

https://www.linkedin.com/pulse/reliance-car-insurance-randy-chavez/"

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Rochester New York Cheap car insurance quotes zip 14624

"Rochester New York Cheap car insurance quotes zip 14624

Rochester New York Cheap car insurance quotes zip 14624

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

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I own a franchise of College Pro Window Cleaning in Washington State and have been doing a lot of pressure washing through that. I do roofs, decks, driveways, walkways and fences. I am hoping to start up a small weekend pressure washing business in Vancouver BC because I go to UBC. I want to register it and do everything legal but I really want to know about how much i am looking at to get liability insurance or if I should just have my clients sign a damage waiver and probably then cut roof work to decrease my risk of damage. Any insight would help me out a lot.""

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Rochester New York Cheap car insurance quotes zip 14624

Rochester New York Cheap car insurance quotes zip 14624

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Rochester New York Cheap car insurance quotes zip 14624

Rochester New York Cheap car insurance quotes zip 14624

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The business I have worked at for 3 years has just announced they are shutting their doors at the end of the month. I am only 17 but have been told that I am still able to apply for unemployment benefits...which I know next to nothing about. Basically, I've only worked 10-20 hours a week for a wage slightly above minimum. It's just been a part time job for me since I'm a student and involved in several sports and challenging classes. However, I'm still trying to save money for college, so...what do I actually get when I file for unemployment and am hunting for a job? Anything? Sorry if this question sounds ditzy...I don't know much about the workforce.""

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What would be the cheapest car insurance company to go to for someone who gets insurance for the first time?

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What is the average time taken by an Insurance company to pay out on a car claim.?

I suppose it would depend on the nature of the damage to ones car and also who was at fault. However in my case, my car caught fire from what I believe may have been an electrical fault. It is now a total write off. I realise the insurance company has to carry out it's investigations but how long should this take and how soon would one expect to receive an offer. I made a claim 6 weeks ago and am still being fobbed off with the explanation that the investigations are on-going.""

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Just a question about Geico's insurance rates versus their advertisements?

for as long as I can remember Geico has always used the advertisement pitch about how much money you can save with them. What I'd like to know is there some kind of communication breakdown between their marketing and pricing departments? I decided to get a Geico quote once, I was 27 years old at the time male unmarried and a spotless driving record. they quoted me like 800 dollars for 6 months!!! at the time I was using Nationwide where is was paying a hair under 500...a YEAR!!! yes this was the exact same amount of coverage/ deductible car everything. everyone else I know has had similar stories about Geico's rates. so tell me if anyone knows when the speak of 'all the money you can save' with them, just what the hell are they talking about? where do they get their facts at?""

Name of insurance company department?

I'm looking for a department that response to check the credit, background, health and others of customers making sure customers are able to get this insurance. What is the name of this department? May be the description is not very clear, any related department is ok. Thx""

Car insurance settlement?

I was in an auto accident as the passenger in the vehicle. The other person was at fault but they didn't have car insurance. (Another topic) Anyway, my friends insurance company said they are going to reimbursement for everything, including lost wages, bills, etc. I have been in PT for the pass 10 weeks and have to wear a cast on my wrist for the next 2 weeks. My lost wages, co payments and some medical bills have already gotten to 11k. I expect more bills that can get to close to 15k all together. How much should I expect to get with pain and suffering without dealing with a lawyer? Any ideas? I was diagnosed with a fractured wrist and sever muscular damage to my chest, neck and back so far. I really don't know the medical terms""

""In India, which company offers cheap insurance price for car ins. and bike ins.? Thank u in advance.?""

In India, which company offers cheap insurance price for car ins. and bike ins.? Thank u in advance.""

Auto insurance wrong information!!?

Relatively, I am a new resident in the USA, I have been here for 18 months only, and I am trying to get a car insurance. The problem is the insurance companies give a huge discount for those who got licensed in the USA or Canada at age 16, but they do not consider other countries. For this reason I have to pay a ridiculous amount of money to get the state minimum requirements for auto insurance. In fact I have been licensed in my country since 1998.. I wonder what's the influence if I choose to answer yes when the insurance company agent asks me whether I got licensed at age 16 or not in the USA or Canada? Because technically I am already licensed at that age but not here!!""

What does 'replacement cost' mean in hazard insurance?

I want to get a mortgage to buy a house. The lender requires hazard insurance at 'replacement cost' basis. I understand the lenders interest in recovering the mortgage, in ...mostrar ms""

Business Liability Insurance?

Does anyone know of a company that offers business liabilty insurance for about $8-12 a month?

Cheaper Car Insurance For Teenage Drivers?

Can you help. I priced car insurance for my 16 year old son, and my premium will almost triple. I know all of you will post that he should just get a job, and that is fine, but I want him to save money for college, not to make an insurer rich. OK?""

Life insurance?

Is there a certain amount of time you have to cash in a life insurance policy?

Question for uk drivers: How much does disqualification effect car insurance?

Was convicted 5 months ago for permitting use of a vehicle without third party insurance and driving with not in accordance with a licence . Got 4 month disqualification but managed to keep driving licence just need to re-apply for it back from d.v.l.a. Does being disqualified greatly effect insurance? will it affect insurance the same as say drink driving?

""Medical insurance, c.a.?""

i live in california,,, i am a guy, have a good job,, but i cant get medical insurance due to i have a pre existing condition,,, reiters syndrome, my job doesnt have medical though,, and i barelymake to much for the state medical program,, medi-cal,, any advice""

""Will Core buy me a home, car, insurance, cares, etc? I want to switch to Core from Wells Fargo.?""

I want to switch from Wells Fargo to Core, because I'm tired of Wells fargo withdrawing 5 dollars a month for service fee from my Checking Account. I thought about depositing my savings to Wells Fargo, but I don't have a savings account; I only have checking and I can't afford to pay to open up a savings. I want to switch to Core, because there's no monthly service fee. But is Core right for buying a Home, Car, Insurances, etc? How do you feel about this?""

Rochester New York Cheap car insurance quotes zip 14624

Rochester New York Cheap car insurance quotes zip 14624

Should I get a full coverage insurance on a rental car?

I have to rent a car for 2 weeks for business. Supposely, the cost should be reimbursed to me by a company after the assingment is done. Not sure if I can truly trust that. But anyway, if I don't get the insurance, it will be $500. But if I get insurance, it is $1200. I am a safe driver and I will be in a rural place. I am trying to convince myself that I don't need it. But then again, I worry about what might happen if accidents occur. The cost of rental car will be reimbursed by a company. But I am not sure if they are actully going to do that in timely manner and my credit card balance is high. I don't want to put extra money charged into my account. My credit card company and auto insurance company (on my own car) told me that they do not have insurance coverage on rental cars. What do you think? Thanks""

Where do you get a semen analysis performed in southern California without insurance? ?

I have looked all over the Internet! !! We live near orange county and la county he has no insurance. Please help! !!

How would the insurance companies treat mounting a smaller sized engine inside a sport model car?

If i were to for example, mount a 1.4 vauxhall astra engine inside a GSI model car, would the insurers treat it as a 1.4 vehicles insurance rate?""

About how much does motorcycle insurance cost?

and is it more than car?...about...

Does anyone know of a great affordable insurance plan with maternity coverage?

I already know about maternity card (no good).

Does it cost to remove someone on your insurance ?

I wanted to drop my sister off my insurance plan because she found a cheaper insurance company, does it cost to remove her ?""

Why do I need title insurance?

I'm buying a piece of property, the lender says I have to get title insurance, why?""

Is there insurance on a person instead of a car?

What I mean is can you have insurance for say me to drive any car. If I drive my car I'd be insured if I drive your car I'd be insured if I drive my girlfriends car I'd be insured. Does such a thing exist because I heard something about it from a friend but I'm not sure what it is or where to find it. Help?

Will a first time speeding ticket in Missouri effect my insurance and i have Statefarm insurance?

Will a first time speeding ticket in Missouri effect my insurance and i have Statefarm insurance?

Can you get car insurance just for a few days?

1st time driving (well With my license) lmao, have drove be4. but i got my g1 a month ago, and bought an suv 2days ago wht i play on gettin rid of as i found at theres no way i can get it safty as it needs a weld. but i would at least like to drive it for a few days on a Trip permit, but u need insureance in order to get tht. and i was told there is a pay-by-day insurance that u can get. so i am wondering how much would insurance be for only 10days? as thts how long a trip permit is good for ps.. i live in belleville ontario""

""If I am under my mothers insurance, will it help me in the future when I branch off?""

I am thinking about putting my first car insurance under my mothers name, but in a couple years I want to start paying it on my own. Will the fact that I was under her name help me a little with my rate? Or will it not matter, and the insurance company will treat me as a new driver?""

Where is this affordable healthcare Obama is talking about?

Private insurance is very expensive. No one is telling us where to find an affordable plan. I do not have anything right now because I lost my job and to get the insurance I would have to pay over 4 times what I was paying when I worked.

Am i covered with auto insurance when i drive off of the used car lot?

Am i covered with auto insurance when i drive off of the used car lot?

""Does anybody know of the cheapest car insurance company in Hamilton, Ontario?""

Getting car insurance these days is getting ridiculous...I've gotten quotes for $500, etc. but there has to be something cheaper out there. I'm getting an old car, so just basic insurance would be fine, so I can legally drive. Does anybody know of the cheapest car insurance company in Hamilton, Ontario?""

What is the cheapest car insurance I can get in Minnesota?

I am a young mom and getting my first car this month so I don't have a lot of money to spare so I'm wondering what is the cheapest insurance I can get in Minnesota? Thanx (:

Best car years for insurance?

My daughter will be buying a used car outright because we can't afford a car payment and insurance, plus she is 23 and had a fender bender 18 months ago so her insurance is not exactly low. What I'm wondering is if you have advice for the best years for a used car as far as insurance rates go ... you know, what years are likely to give us the best rates Also, if you have any advice about the best types of used cars to keep rates low, and the best used cars period, any input like that would be greatly appreciated. We bought a used 2003 jetta, but the transmission is self-contained, or, that is, we have to take it in to have the transmission fluid replaced. Things like that about which we weren't aware before we bought it have made it not very practical for us. Thanking in advance for any help you can give!""

Cheap car insurance/ first car whats been ur best quote?

hi im all most finished my driving lessons and wondering about the insurance ect i dont wanna spend hours on compere or that putting in details , but wondering if there r any first time drivers out there and give me there thoughts on how i would get a cheap car and cheap insurance""

Car insurance for audi a6 2.8 awd?

right now im under my parents Allstate car insurance, i pay around $90 a month it would be $60 but my parents added collision for the winter. im looking at this red v6 Audi for $5990. how much do you think it would be per month with Allstate??""

What is the average cost for insurance for a 16 yr old?

i just got my license like 2 weeks ago and im wondering about how much would it cost for insurance also i live in San Leandro CA if needed if car/s needed: honda pilot 2008 honda accord lx 2001 i didn't want to check quotes online cause i'd need my address and i don't really wanna put all that info

Car Insurance Honda Civic coupe vs sedan?

So I'm looking into buying a car. I'm 20 and I'm under my dads insurance. I pay 60 for being a secondary drivers for my dads van, but I want to get my own car. Would it be more if I got a black Honda civic coupe rather than a sedan?""

Why do people think that mandating car insurance is the same as mandating health insurance?

I could choose not to drive. Also even the democratic legal think tank advisers have said there is no legal precedent for mandating the purchase of health insurance from a private company. If they don't have single payer or even a public option it may not hold up in the supreme court.

I need hand insurance?

I need hand insurance

Car insurance WITHOUT a bank account?

does anyone know where/what car insurance i can get as i can not have a bank acount or debit/credit card. can only pay with cash by monthly installments

""I've got a '74 Dodge Avco RV, how much would it cost for insurance?""

It's 28 footer. And maybe if you knew how much it would cost for tires and even a lube and tune, i would appreciate it!""

How does car insurance work?

I got a ticket for not having endurance but the car i was driving (my dads) does. Can i just show proof of insurance to get the ticket off or does the insurance have to say my name in order to be taken off? Example:: In that case how do you explain road tests at the dps for driving license? They ask for insurance of the car your testing in but clearly its not in your name since you don't have a license yet they let you drive it. What happens in case of an accident? Will it not be covered since the person behind the wheel is not in the document? Can i take off the ticket or not? Or is car insurance all about the person behind the wheel? Isn't it supposed to be for the car no matter who is driving? Please explain if i got it all wrong and have to pay the ticket

Rochester New York Cheap car insurance quotes zip 14624

Rochester New York Cheap car insurance quotes zip 14624

https://www.linkedin.com/pulse/schooleys-mountain-new-jersey-cheap-car-insurance-quotes-june-chapman/"

[briefbouquetcreatorlove-blog]

Tacoma Washington Cheap car insurance quotes zip 98404

"Tacoma Washington Cheap car insurance quotes zip 98404

Tacoma Washington Cheap car insurance quotes zip 98404

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

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I'm 20 years old, have a clean driving record, and qualify for most merit-based discounts (no wrecks, good grades, etc.). I'm currently driving a 1998 Pontiac Grand Prix GT with a 3.8L V6, and paying about $800 per year listed as the primary driver of this car. I cannot possibly stress enough that I know having a newer car that I am still making payments on will increase my insurance. My question is basically if the change in price will be drastically higher than if I got full coverage on my current car. I was thinking I could expect somewhere in the range of $1500 - $2000 per year. Is that about right, or am I way off?""

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I am an independent contractor and have no insurance. I am now pregnant before having a chance to get health insurance. Health insurance once pregnant is way too expensive. I make too much money for government assistance, but not enough to afford private insurance. I'm in a tough spot, and I wonder if anyone has any advice to help me finance my pregnancy.""

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I'm looking for some health insurance for me and my husband that we can actually afford. We live in NJ and the policy we have now is going up way to much now. We are looking for something we can afford with little to no deductible would be great too.

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I know theres no cheap car Insurance... but anyone know any Insurance that an 17 year old can aford.. ill be 18 in a week... but some people want up to 5,000 every SIX months! i have no one 2 help me out, or to put me on their Insurance.... and ive been going nuts for the past 2 weeks and i need a car for work... PLEASE HELP!!!""

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Why were the republicans threatening to collapse the country just to save the insurance companies?

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I am planning on buying a 150cc scooter in the Spring. In Michigan, my home state, these are considered motorcycles. Also, in Michigan, they must be insured. My questions are: (1) If I am only riding my scooter for three months out of the year, will I still have to pay for insurance during the fall and winter? (2) What is the cheapest motorcycle insurance out there, and typically, how much would I be paying per month? I am a new cycle rider, but have driven a car for 5 years without an accident.""

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Hey I am 21 and passed my test last week. I am thinking of either buying a BMW Z4 or a Porsche Boxster [yes i know they are expensive] It will be a new one. I did not know but people were telling me it would cost thousands...really???? Considering that aren't that big. If my dad has a car i can't get on his policy but drive a different car???? Help...how do i make this cheaper.. I am not worried so much right now if it costs thousands but its going to be with me for atleast a few years and i will not know my position then.

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I am planning on switching car insurance providers b/c: 1.) My car got stolen 01/25/2013 and I only had liability coverage (car was a 1996 Nissan Maxima) 2.) I was hit in October 2012 and it was not my fault and received settlement money b/c my car was deemed a total loss 3.) With that money I put a down payment on a used car this past weekend b/c now I truly had no car 4.) I now need full coverage to my current policy and replace the old car with the newer one but the 6-month premium is too high. While shopping around for car insurance, I found an auto quote that was A LOT more affordable than if I were to stick with my current insurance. With that being said, I had a lot of questions. I got into a car accident in May 2012 and it was my fault. No one was hurt and no air bags deployed. My insurance paid the damages. Now, if I cancel my policy with them, does that mean that I have to pay the insurance company back the money for the damages they covered to the other car? My other question is how much information do I disclose when applying for a new auto policy? I have of course included the at-fault accident in May and I also included the accident that was not my fault. Before these 2 accidents, I had one just one that was in a parking lot. The other driver and I were deemed both at fault, 50/50. Damage to his car was around $700. That was 3 years ago. The insurance company I was looking into said online to include accidents that were at least 51% your fault and accidents that weren't your fault too. Do I include this accident too even tho it was 50/50? My last question is about speeding and points. I my first speeding ticket in June 2012. I got a reduced fine and went to traffic school so it wouldn't show up and get a point. Once again, while looking at auto quotes, they asked if I had a moving violation which includes speeding. Because I went to traffic school and everything, do I tell them about that too? Despite the bad luck I've had this past year with my driving record, I only have one point. The 50/50 accident will be off because it's the 3rd year. I live in CA and got this info from the DMV website: The length of time depends on the severity of the offense. Most points (illegal turn, not making a complete stop, driving over the speed limit, etc.) and/or accidents will stay on your driver record for 36 months (3 years). I've included the link: http://www.dmv.ca.gov/teenweb/more_btn6/points/points.htm Any advice and suggestions is greatly appreciated! Thanks!""

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For example, If I were to insure an Audi RS4 which costs around 48,000 - which group would this be in?? etc...""

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Tacoma Washington Cheap car insurance quotes zip 98404

Tacoma Washington Cheap car insurance quotes zip 98404

Light collision on the highway...covered by insurance?

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our 88 year old mom who has dementia has medicare part a & b, with Aetna supplement. We need to relocate mom back home since she doesn''t have the funds to stay at the dementia home she is currently in. Payments keep rising. Due to the medicaid five year stepdown, she will be eligible in two years. Until then, we will keep her at home, however, is there a health coverage that will be able to cover any major health catastrophy, should one occur in next two years before Medicaid kicks in? We are willing to relocate with mom to a state that has this kind of coverage. Right now we live in New York, which in itself is very expensive and we are considering moving to help cover mom's costs. Where and what do you recommend?""

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Could anyone tell me a cheap reliable 125cc motobike with cheap insurance ?

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How much will my insurance cost?

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OK so I lost my license because I got caught driving without insurance in September 2010. I just passed my test today. When I'm checking the quotes, the cheapest I have managed to find was 7400 for 1 year. That is for a 1.1L Peugeot 206 Insurance group 3. They can't expect me to pay that much for insurance for 1 year, I will need a mortgage for that. Does anyone know how much insurance will increase by after getting 6 points? I'm 20 BTW!""

Cheap car insurance for a 17 year old male?

I passed my driving test last month and did my pass plus last saturday. I'm now stunned to find that the lowest i've seemed to get my car insurance is 5000, I'm a full time 6th form student so how am I meant to pay that? Is there ANYWHERE where I can get cheap insurance for my car? (except gps box insurance with restrictions such as fines for going out past 11pm) any previous experiences? or recommendations? I understand that 17 year old males are higher risk to road users than others, especially newly qualified, but there must be some loopholes in the system which will enable me to get a cheap quote? Many thanks.""

How much of a price diference is their between a libaility and full coverage on average?

I have some acidents on my record any my insurance is through the roof.

Tacoma Washington Cheap car insurance quotes zip 98404

Tacoma Washington Cheap car insurance quotes zip 98404

Do you get rid of your car insurance when you get a DWI?

I don't understand,.. when you get a DWI and license taken away, wouldn't you not need car insurance anymore for a year since you won't be driving your car? All the talk about having insurance go up etc, and $1000 added onto the bill every year, does the receiver of the DWI have to keep their insurance or something?""

""Out of state college student - Problem on Car Registration, Title, License, Insurance in Utah!!?""

ok, I asked so many people, and they can only give me half baked answers. I'm hoping somebody can clear it out for me once and for all. First off, Utah's DMV website has no ****.. so don't tell me to check their website. won't bother to post it here, would I? I'm from Massachusetts, going to school in Utah this summer. I'm looking into having my first car, and it's gonna be a Used Car. Here is the thing, - If I bought it in Utah, I can't register/ change title there because of my Mass license. [I can drive an out of state vehicle as a student, but that is to say I already register the car at home.] - If I bought it in Mass, I can't insure an out of state vehicle in Utah. [ Out of state License + Registration ] Does it mean I have to convert my Mass License in Utah, in either cases? Do I have a third choice, which can make this fuss easier? Or did I get the facts wrong, that you can do the above even with an out of state license? You tell me.... Any out of state college student drivers help me out here..""

Need to purchase car insurance.. what do I do?

I got into a minor accident a couple of days ago and I did not have insurance. It was my parents' car and the damages have already been paid for from my personal savings. Now, I am going to get car insurance. The question here is if I want to get insured, do I have to report to car insurance companies of my accident? If yes, why? How would the company possibly know I got into an accident? Also, do insurance companies screen your driver's license? If so, how much more money per year can I expect to pay for 2 points on my license for an average 20 year old? Yes, I'm not the smartest for having drove without insurance, hence, the reason why I am getting insurance.""

Anyone know any California insurance based company writing in Texas?

Anyone know any California insurance based company writing in Texas?

How much does Whole Life insurance cost?

I have a quote for 20-year term life insurance for a non-smoker for $48 a month. How much would it be a month for whole life insurance?

Average PLPD insurance for car?

Im wanting to buy a 1989 Toyota Supra and im wondering how much PLPD would be on it.

How do I find out my car insurance rates before I get a car?

I haven't bought a car yet because a lot depends on how much insurance will be. I'm a 27 single female living in Boston, I've had a license since 18 but never drove so it expired and I recently renewed it. I don't have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates.""

Why don't insurance companies insure holistic doctors?

It's kinda sad to me.. That the only doctors they will insure for are doctors that prescribe drugs. Is there any insurance companies that work for holistic doctors?

Can I afford to get pregnant?

My husband and I are both in school and working part time. We currently don't have health insurance because we can't get it through our jobs and can't afford any outside insurance. We really want to have a baby, but are worried about paying for all of the pre/postnatal care. Is there a way to get help without putting us in tons of debt?""

Can someone obtain car insurance in CA with no drivers license?

I have a friend who will be a first time driver at age 30 (she had no need for driving where she previously lived). She has the opportunity to buy a car, but cannot register it until she has car insurance. Now, normally, she could just wait to buy the car when she finally gets licensed, but she's been offered an amazing deal and would have to buy now. Is there any insurance company that will cover an unlicensed driver or even someone with a permit? Thanks!""

List of auto insurance companies who do not use credit scores in illinois?

im looking for car insurance and need help finding a good rate

Medical insurance help?

I need to find some insurance to pay for my eye doctor b/c the insurance that I had is gone. I used to have Anthem.

What's a good auto insurance company that has a good rating?

I have four cars.... no tickets or claims in years.. I have insurance now, but I think I am paying too much. Only one of them is driven on a daily basis..... the others very infrequently.""

Car Insurance help please?

Hello, I am a 22 year old female who lives in California, I was wonderinf what would be the best/cheap car insurance please... Thank you""

Why do insurance companies charge first and last?

I had a nice Allstate agent call me and discuss my insurance with me, give me a lower rate and then come pay time, tell me that they require first and last. When I asked her why the last, she could not provide a good answer. I know not all insurance companies do this, but what is the point? When asked when I would get the last back, she said when I cancel my policy some day!! What if I don't want to cancel..ever? This does not make sense to me at all. Why keep my money there for nothing? When one does cancel the policy, do they get the money back with interest on that? Once confronted with these questions, the agent was not so nice any more. Can someone please answer the above?""

Can I get onto my parents insurance?

I don't have a car yet but i want to buy one in a year... I was wondering if I could join my parents insurance and if yes how much do you think ill have to pay monthly (Progressive) for a '65 Chevy C10 Custom?

How does business insurance work in a lawsuit?

As a small business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point. If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?""

So is this whole car dealerships thing going to affect insurance?

If the prices of the cars are going to drop, is this going to do anything to the amount of money I will have to pay for my car insurance once I turn 16? Will it go up, go down, or stay the same""

Who is the most cheapest auto insurance out there?

I need auto insurance but im 18 and I only have a permit not a license yet. I drive a 1990 Honda civic hatchback ef. And i only want liability just to drive. So who is the cheapest one out there let me know thanks :D??

How much does health insurance in the UK cost on average?

Btw, I live in the UK, I know we have the NHS, but my Aunty has health insurance as part of her benefits package at work and she says private healthcare is way better than the NHS. So I'm just wondering how much health insurance costs on average in the UK?""

How much dose car insurance usually coast?

How much dose car insurance usually coast?

Is there anyone that has Mercury Car Insurance? I am wondering if they are any good? Please help!?

Just curious on how they rate compared to other insurance companies.

I need health insurance?

My boyfriend and I will be moving to NYC to start college next August. We will have very little money, and will have no form of health insurance. Here in California, we both have free insurance provided by the state, but we are barely eighteen, still in high school, and therefore still living with out parents. I suppose what my real question here is can we still get free state issued insurance if we have part time jobs and no children? Or do you have to have dependents to receive that? We both have serious stomach conditions, and are sick very often. We cannot be without health insurance. But we also could not afford to pay for it. Any help?""

Who has the best dental insurance?

i need private personal good coverage in colorado

Who provides the best Renter's Insurance in California??? What is Renter's Insurance Anyway?

Hello... I am new to renter's insurance. Does anybody know a good website that I can do research??? Generally what does renter's insurance cover??? Thank you for your answers!!!

Tacoma Washington Cheap car insurance quotes zip 98404

Tacoma Washington Cheap car insurance quotes zip 98404

""If your home is valued at 73,000, why would your insurance company raise the coverage to 101,000?""

If my house burns down, would they really pay out 100,000 or just the property value ?""

Car insurance sellsman salary?

I have a question if anyone is in the car insurance business. My husband has been out of work for quite sometime, hes been really looking for a job anything right now, and got called back from a car insurance place he applied for i really dont know money wise, if it makes ok money they told him its salary and comission, i hate those kind of jobs. So im not so much knowledgable when it comes to the word salary and in that job description, anyone know if it pays alright.""

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

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

How long do accidents stay on your car insurance?

I got new car insurance this summer and noticed an accident where I had my car repaired when it was hit while parked in 2008 showed up on my driving record. Since, my car was hit and totaled while parked. The driver was covered so his insurance paid for the car, but my policy still went up. How long will these instances be on my record to affect my insurance?""

Where can I find cheaper motorcycle insurance?

I need to get insurance today as I'm picking up my motorcycle later, it's a 1977 Honda CG125. The cheapest quote I have found is 377 TPFT, and that's with two years' NCB! Granted I'm still on a provisional licence but still ridiculous. Also, can anyone explain if there is any point at all forking out 150 more a year for Theft and Fire cover when it demands 500 excess? I'd have to pay that if it were stolen, right? Even though I paid less than that for the bike...""

Im looking for cheap or reasonalby priced auto insurance...can anyone give me any tips???

this is my first car and i need full coverage...somebody help me please!

How much will my insurance go up after dui in ny?

OK so i recently was caught for a DUI in NY state , i am under my sister's insurance (geico) and the car is in my name....i want to know how much will the insurance go up even though my sister never had a claim and i am under her...""

Hsa savings plan through health insurance?

my job has hsa plan through insurance...anthem.....and my medical card says hsa covered but i didnt activate the account yet and dont want to...decided against it......will i be penalized or act as if i didnt want the plan?

Does anyone know any good cheap insurance companies to insure my car?

Does anyone know any good cheap insurance companies to insure my car?

Rough estimate of my car insurance cost?

Hello, I'm 17 years old, male, never been in an accident or anything, and I am currently insured by my parents. If I wanted to get my own car insurance, roughly how much would this cost me? Thanks.""

What are legal steps to resolving an auto insurance claim?

Allstate was supposed to compensate me for X amount of damage done to my car by the driver who had insurance upto 5 grand. Notice that I did not have insurance with AllState but that because the driver was at fault, and had coverage of upto $5000, AllState has agreed to pay me a portion of that 5 grand. However, the problem is the driver who was at fault is not agreeing to this and demands more in loss from AllState. Whereas, although, I myself deserve more in damage since the car was worth more than the amount I am being compenstated for, I have still decided to settle for less. Now because the driver is delaying the decision to accept the remaining amount out of 5 grand, this case/claim has not resolved SINCE 2010. They wouldn't send me check yet only because the driver needs to accept the offer also. My theory is that whether or not the driver finds the offer fair, is none of my problem. I shouldn't have to wait for 2 years only because the driver refuses their offer. I should get my share at least. Do I have a legal case against the company for taking too long in this regards ? What can I do to resolve this ?""

How much would this cost to insure?

Hi, I'm looking to buy my first car. Two I have my eyes on are an automatic 2002 Chevy Camaro and a manual 2001 Mitsubishi Eclipse Spyder. Both cost just over 5k. I'm 17, a male, I have good grades, I don't smoke or do drugs, I'm in honors classes and I've taken drivers ed. Approximately how much would they cost to insure? Please don't say They're too challenging to drive , or They have too much power. I've driven cars with power before (both manual and auto) and I don't find it challenging at all. I have pretty good hand eye coordination. Also, my apologies if this somehow gets asked in the UK answers, I'm asking this fairly late at night.""

Would car insurance be cheaper in Tennessee?

I live in Denver, Colorado. I used to live in Tennessee and noticed that it is ALOT cheaper to live out there. I am wanting to move back. I know my house will be cheaper among other things. I was just wondering if anyone would know if car insurance would be cheaper out there too?""

What is a fast car that is in a relativley low insurance group?

I was looking at a 1.6 Honda Civic Type S as that is insurance group 6, but they seem to be hard to come by. They are mostly 2.0 and that is group 11 which is too high as I am only 19. Budget is around 3500. Any ideas welcome. Can go over budget and put the car on finance for the right car.""

Insurance info on changing them.?

my dad has a certain insurance and i want to switch to another insurance. what is involved switching to a new insurance because i found a nice new place but they don't take his current insurance. i really want to do move because this new place is great.

Car insurance which is the cheaper?

What is the cheap car insurance for like a 05 and truck or suv. My dad said Tahoe are really high. It needs to have 4 wheel drive.

Can I sue my auto insurance company for an at fault accident with an insured driver on my policy?

I was a passenger in my own vehicle during a near fatal accident where the driver, who is an insured driver on my policy, had road rage with another driver. The driver ended up receiving a DUI as a result of the accident. I tried to sue my auto insurance company for under/unisured motorist, but since the accident was a sole vehicle accident, the insurance company would not settle for my injuries. Due to the nature of the accident and the result of the driver being intoxicated, the auto insurance company accepted liability for the driver's negligence and tried to settle for $4,200. I ended up hiring a lawyer because I have an unpaid hospital bill in excess of the settlement amount. In addition, I have had complications from my injuries and need lifetime treatments. We have an arbitration hearing next month, but the driver is only named on the lawsuit, not my auto insurance company. This accident happened in Pennsylvania and I had full tort, stackable, 100,000/300,000. My question is...why is the insurance company not insuring the named insured driver (who by the way happens to be my husband), on my insurance policy?""

Does your car insurance rate go up if you get a seat belt ticket in illinois?

Does your car insurance rate go up if you get a seat belt ticket in illinois?

Car Insurance - How much of my premium would I get back?

Hi everyone I live in the UK and I insure my car with Direct Line. I have never had any issues with them before apart from now that I have a new car. I have several years no claims for my driving, most of which are through policies with Direct Line. However, the first 2 years I was driving I was with another insurance company and gained 2 years no claims with them. When I took out my latest policy with Direct Line after buying a new vehicle they said they needed to see proof of my no claims. I contacted my old insurance company who sent me a letter confirming these years and I sent this to Direct Line, they said they never received it so I requested another letter and sent this one also but via Recorded Delivery. It is now a month on and Direct Line are claiming they haven't received this one either although proof of postage and tracking shows it was signed for. I wish to cancel my policy with Direct Line and was wondering how much of my policy cost I would be entitled to receive back from them. Many thanks""

How much would it cost me a month?

If i wanted to buy a car for $16000 and i am 16 with no credit or anything. I have a job but my mom said she would pay half the payment and the insurance so i need to know how much would the monthly payment be. Thanks

""Okay, so how much does neutering/spaying a dog cost? Will insurance companies cover it?""

1 - How much does it on average cost to get a female dog neutered/spayed? 2 - I will be buying insurance from the day we get her (8 weeks old) so would my insurance cover the cost? (I know it varies on actual insurance plans, but Im wondering if its a complete 'they never pay for that' sort of thing?) 3 - How long is the recovery time? How long after the op can I take her home? How long will she have the cone of shame? I have googled this but I get a bunch of long winded answers that dont really answer the questions""

Will my auto insurance be high if i was not insured before. even though i have my G1.?

Hello, I'm a 20yr old Male, and I'm planning on getting a used car ( 1999 - 2004 ) bellow $3000 CAD. The problem is that i was never insured before. I got my g1 on 2007, and my G at 2010. Most of those years i drove with my uncle beside me, because he worked close to my school. So I was wandering, how high will my insurance will be? considering the fact that i did not have any insurance and i'm a 20yr old male. I searched online for quotes and the lowest i got was 499 per month... I am a student, thus i'm only making around 450 - 600 a month doing part time job. And any suggesting on a car for a first timer is more than welcome. (colour, make, model, yr. etc. ) Thank you very much for reading this.""

Can my car be registered in Arizona but have Cali insurance?

I'm in the military, stationed in San Diego, and I recently purchased CA car insurance. I got a letter from the AZ DMV saying that I couldn't do that. I went down to the CA DMV today with the intent to switch my registration to CA. The lady helping me told me that I didn't have to switch states because I am in the military. I don't what state to believe now...""

Where can I find the cheapest possible car insurance?

I'm getting my first car which is pretty crappy and cheap (<$5000) so I don't want to spend that much on insurance. Where can I look to find the *cheapest* liability coverage. I don't think the major insurance companies have very low rates so I'm looking for lesser known ones.

Do i have to keep paying insurance on a scrapped car? My insurance runs out in August.?

I am planning to scrap my car next week but my insurance runs out in August. Am I legally expected to continue paying for it or can i cancel it?

Tacoma Washington Cheap car insurance quotes zip 98404

Tacoma Washington Cheap car insurance quotes zip 98404

https://www.linkedin.com/pulse/state-farm-motorcycle-insurance-quote-mark-meyer/"

[jimdsmith34]

6 Ways To Make Sure Your First Festival Is The Greatest Experience Of Your Life

Although Ive always been an avid concert-goer, last summer was my full-on, camping-for-five-days music festival experience.

It was incredible: non-stop good music, friendly vibes, camping and the summer sun.

Needless to say, Ive already bought tickets to another festival this summer, and I am anxiously counting down the days.

REUTERS

Like I said, Id been to many a concert before last year, but music festivals are a whole different creature.

Fortunately, I went with an experienced group of festival-goers who saved me from some rookie mistakes. But even so, I learned a few things the hard way.

For those of you attending your first festival this year, let me save you some of my mistakes, sunburns, blister and hangovers.

Here are the biggest lessons I learned last year on how to nail the festival experience:

1. Choose your clothing wisely.

Alexander Grabchilev

I cannot emphasize this point enough.

I beg you, put down your credit card and step away from the must-have festival gear section of whatever clothing company is currently spamming your inbox.

I get that everyone wants to look cute in all of their Instagram posts, Snapchats ad whatever, but consider what youll actually be doing.

You will be outside in the sun, jumping up and down, walking and standing for many hours.

Really, packing for a festival should resemble packing for a hiking trip more than a beach vacation: good shoes, comfortable clothing, hats and so on.

Accept that your hair and makeup, no matter how much effort you put into them, will look like a mess by the end of the day. (You magical creatures who have managed to subvert this, show me your ways.)

It may not sound sexy, but you will thank me for this advice on day two when you can still walk.

Dress for comfort and function.

Pro tips:

1. Wear good shoes.

Avoid those gladiator sandals. Whoever decided these were perfect shoes for the occasion is full of garbage.

You will be walking, standing and jumping around in a crowd for the majority of your day, and lets remember that festival grounds are dirt, grass and mud.

Youll definitely get blisters (and stupid tan lines), and your toes will be stomped to bits in the crowd.

Trust me, I wore sandals for approximately six hours my first day last year, and the combination of sweat, walking and mud gave me blisters that required me to wrap both feet in bandages to be able to walk the rest of the weekend.

I switched to athletic sneakers shortly after.

They looked ugly with my clothing (turns out bright blue Asics dont really go with much), but my feet felt MUCH better than they would have in other shoes, and my toes were mostly protected.

Your feet will hurt more after each day of this festival than they ever have in your entire life, so take care of them.

2. Avoid white clothing.

I left my campsite on day two wearing a cute crop top and high-waisted white shorts.

They lasted for ONE SET before turning brown from all the dust kicked up by the crowd.

I had to rush back and change before the next show, and the dirt never came out. After several washes, those shorts went in the trash.

Remember, you will be dirty and sweaty. Dress accordingly.

3. Your hair and makeup will be a mess by the end of the day.

Sweat plus sunscreen, plus dancing, plus humidity, plus desperately trying to cool off by getting wet makes this hard to avoid.

Embrace it.

4. Dress for comfort.

As Ive said, you will be dancing, running, standing and sweating a ton.

Whatever you put on your body, make sure it will still be comfortable once all of these forces are applied.

Chafing and blisters make your life harder for the rest of the weekend.

2. Stay (as) healthy (as possible).

REUTERS

I know, this can be a tough one.

Music festivals are a beautiful combination of things that are bad for your body: loud noises, extended sun exposure, heat, terrible (delicious) food, drinking (and possibly other substances) and no sleep.

By all means, do whatever will make your festival experience the best possible time.

However, if you can sneak in some healthy habits around the fun, your body will thank you, especially when its 5 pm on the fourth day and youre starting to wonder what possessed you to actually pay money to live outside and be tired for four days straight.

Pro tips:

1. Get as much sleep as humanly possible.

I know Im a cranky bitch when I havent slept enough, but I wanted to stay up as late as possible to experience all the fun.

My compromise with myself? I stayed at the shows until I was ready to pass out.

Then, I dragged myself back to my tent, drank some water, put in earplugs, slipped on a face mask and passed out.

The mask and earplugs (and probably exhaustion, but whatever) worked wonders. I actually slept like a baby and woke up feeling relatively refreshed.

Do whatever you need to do to get as much sleep as you can around your schedule of fun. This is clutch.

2. Hydrate.

This is super important.

Heat and sun plus dancing and alcohol is a recipe for dehydration, and you dont want to be that guy who faints in the middle of Blink-182s set because you didnt drink enough water.

Start hydrating before you leave home, and keep drinking water, Gatorade, Pedialyte or whatever does it for you when you have a nasty hangover.

I drank a Gatorade before I went to sleep every night, and my mornings were far less of a struggle as a result.

3. Wear sunscreen.

Not to sound like your mom, but your life will be much easier if you can avoid getting sunburned during your festival weekend.

Trust me, it doesnt get EASIER to spend your entire day out in the sun when youre already as red as a lobster.

4. Eat a vegetable.

It can be tempting to grab your 14th slice of pizza and call it dinner after a day of partying when you only have 10 minutes until your next show.

However, I promise you, your body will start to rebel before the festival ends if you only feed it Red Bull, vodka and Doritos.

Bring as much food as you can (this also saves money), and try to pack some moderately healthy things along with the junk food and cheeseburgers.

Granola bars, fruit and nuts make an easy breakfast or a quick mid-day snack that your body wont hate you for.

Some food vendors actually offer vegetables and healthier options for sale inside the festival grounds.

I know theres no way a salad beats a grilled cheese, but your body can only take so many meals that your 5-year-old self would have chosen before it feels like garbage, especially when you throw in the other stressors of sun and heat and alcohol and lack of sleep.

Eat, like, one apple and some carrots. Trust me on this.

3. Prepare for the elements.

REUTERS

This is another area where pack for camping is useful advice.

Remember youll basically be living outside for several days, and so you will be at the mercy of the weather.

Check the forecast before you pack, but be prepared for conditions that change quickly.

It will be hot, and you will be outside in the sun, so dress and act accordingly.

If youre camping, create some shade by putting up a canopy and hanging curtains or tapestries from the sides.

It might rain, so consider clothes and shoes that wont feel awful when wet, as well as a poncho.

Rain equals mud, so pack shoes that can hold up and wont get sucked into the ground like quicksand.

It cools off at night, so bring layers.

This one is a little weird, but prepare for dust! When the wind kicks up, it can create a small dust tornado on festival grounds, so be ready.

Have a bandanna you can cover your face with and sunglasses to protect your eyes, and wear clothes that wont be harmed by a little (or a lot) of dirt.

The point i, before you put something in your suitcase, ask yourself, Can this hold up in every weather condition?

If the answer is no, leave it home.

4. Have a plan for what you want to do, but be open to new experiences.

REUTERS

Festivals can be overwhelming.

Theres always something to do, like socializing in your campsite, playing pick-up volleyball, trying new foods, having drinks at a festival bar and seeing the nonstop music playing on multiple stages at all times.

Go in with some sort of plan, even if its very loose.

You and your group should choose the bands you dont want to miss.

Then, schedule your days accordingly, and figure out how to navigate any schedule conflicts.

Fill in the remaining time with other activities.

However, the fact that you have a plan doesnt mean that you shouldnt be open to spontaneity and new experiences!

Stop by a random stage and see a band youve never heard before. Ask your camping neighbors if they want to play flip cup or throw around a frisbee.

Go to the Silent Disco, even if you dont know exactly what that is. See what you want to see, but be open to new experiences, too.

You wont regret it.

As an aside, try not to get so drunk that you cant make it out of your campsite. You miss both plans and new experiences when you pass out before the first show starts.

5. Make friends (also, dont lose your friends).

REUTERS

The advice surrounding friends is two-fold.

First, be open to making new friends! The vibe at festivals is amazing.

Everyone is happy and excited to be there, and everyone wants to meet everyone else.

If youre camping, befriend your neighbors. Talk to people while you wait in line for beer.

High-five strangers. Bond over your mutual love for The 1975 with the others around you in the crowd.

The friendly vibes are one of the things that makes the festival experience so special, so take advantage.

Also important: When hanging out with friends, new or old, try not to lose them.

Cell service in campsites and festival grounds is garbage, and unless you come prepared with a charging solution, your phone will probably die at least once.

Anytime you split up from friends, have a designated meeting place and time where youll find each other. Even if youre just getting in different food lines, choose a place you will meet up when finished.

This sounds like a bit much, but I promise it will help you.

When you say, Meh, well just *find* each other after this bathroom break, and you emerge to a crowd of 800 people also waiting for bathrooms, trying to find friends or standing around, just finding each other becomes somewhat harder.

Be specific: I will meet you next to this garbage can after you get your pizza and I get my salad (because I read this article and am eating a vegetable).

6. Have fun.

REUTERS

Festivals are an amazing weekend of great music, friends, camping, new experiences and fun.

Think about what will make this weekend the most fun for you, and then do it.

Dont worry if your outfit is less Kylie at Coachella and more James Franco in 127 Hours. (You probably wont have enough service to post that Insta anyway.)

The point isnt to look pretty or to check certain boxes that you should be doing. These weekends are packed to the brim with fun experiences waiting to be had, and youre right there in the middle of it all.

Take advantage, take lots of pictures and have one of the most memorable weekends of your life.

source http://allofbeer.com/2017/09/05/6-ways-to-make-sure-your-first-festival-is-the-greatest-experience-of-your-life/ from All of Beer http://allofbeer.blogspot.com/2017/09/6-ways-to-make-sure-your-first-festival.html

[samanthasroberts]

6 Ways To Make Sure Your First Festival Is The Greatest Experience Of Your Life

Although Ive always been an avid concert-goer, last summer was my full-on, camping-for-five-days music festival experience.

It was incredible: non-stop good music, friendly vibes, camping and the summer sun.

Needless to say, Ive already bought tickets to another festival this summer, and I am anxiously counting down the days.

REUTERS

Like I said, Id been to many a concert before last year, but music festivals are a whole different creature.

Fortunately, I went with an experienced group of festival-goers who saved me from some rookie mistakes. But even so, I learned a few things the hard way.

For those of you attending your first festival this year, let me save you some of my mistakes, sunburns, blister and hangovers.

Here are the biggest lessons I learned last year on how to nail the festival experience:

1. Choose your clothing wisely.

Alexander Grabchilev

I cannot emphasize this point enough.

I beg you, put down your credit card and step away from the must-have festival gear section of whatever clothing company is currently spamming your inbox.

I get that everyone wants to look cute in all of their Instagram posts, Snapchats ad whatever, but consider what youll actually be doing.

You will be outside in the sun, jumping up and down, walking and standing for many hours.

Really, packing for a festival should resemble packing for a hiking trip more than a beach vacation: good shoes, comfortable clothing, hats and so on.

Accept that your hair and makeup, no matter how much effort you put into them, will look like a mess by the end of the day. (You magical creatures who have managed to subvert this, show me your ways.)

It may not sound sexy, but you will thank me for this advice on day two when you can still walk.

Dress for comfort and function.

Pro tips:

1. Wear good shoes.

Avoid those gladiator sandals. Whoever decided these were perfect shoes for the occasion is full of garbage.

You will be walking, standing and jumping around in a crowd for the majority of your day, and lets remember that festival grounds are dirt, grass and mud.

Youll definitely get blisters (and stupid tan lines), and your toes will be stomped to bits in the crowd.

Trust me, I wore sandals for approximately six hours my first day last year, and the combination of sweat, walking and mud gave me blisters that required me to wrap both feet in bandages to be able to walk the rest of the weekend.

I switched to athletic sneakers shortly after.

They looked ugly with my clothing (turns out bright blue Asics dont really go with much), but my feet felt MUCH better than they would have in other shoes, and my toes were mostly protected.

Your feet will hurt more after each day of this festival than they ever have in your entire life, so take care of them.

2. Avoid white clothing.

I left my campsite on day two wearing a cute crop top and high-waisted white shorts.

They lasted for ONE SET before turning brown from all the dust kicked up by the crowd.

I had to rush back and change before the next show, and the dirt never came out. After several washes, those shorts went in the trash.

Remember, you will be dirty and sweaty. Dress accordingly.

3. Your hair and makeup will be a mess by the end of the day.

Sweat plus sunscreen, plus dancing, plus humidity, plus desperately trying to cool off by getting wet makes this hard to avoid.

Embrace it.

4. Dress for comfort.

As Ive said, you will be dancing, running, standing and sweating a ton.

Whatever you put on your body, make sure it will still be comfortable once all of these forces are applied.

Chafing and blisters make your life harder for the rest of the weekend.

2. Stay (as) healthy (as possible).

REUTERS

I know, this can be a tough one.

Music festivals are a beautiful combination of things that are bad for your body: loud noises, extended sun exposure, heat, terrible (delicious) food, drinking (and possibly other substances) and no sleep.

By all means, do whatever will make your festival experience the best possible time.

However, if you can sneak in some healthy habits around the fun, your body will thank you, especially when its 5 pm on the fourth day and youre starting to wonder what possessed you to actually pay money to live outside and be tired for four days straight.

Pro tips:

1. Get as much sleep as humanly possible.

I know Im a cranky bitch when I havent slept enough, but I wanted to stay up as late as possible to experience all the fun.

My compromise with myself? I stayed at the shows until I was ready to pass out.

Then, I dragged myself back to my tent, drank some water, put in earplugs, slipped on a face mask and passed out.

The mask and earplugs (and probably exhaustion, but whatever) worked wonders. I actually slept like a baby and woke up feeling relatively refreshed.

Do whatever you need to do to get as much sleep as you can around your schedule of fun. This is clutch.

2. Hydrate.

This is super important.

Heat and sun plus dancing and alcohol is a recipe for dehydration, and you dont want to be that guy who faints in the middle of Blink-182s set because you didnt drink enough water.

Start hydrating before you leave home, and keep drinking water, Gatorade, Pedialyte or whatever does it for you when you have a nasty hangover.

I drank a Gatorade before I went to sleep every night, and my mornings were far less of a struggle as a result.

3. Wear sunscreen.

Not to sound like your mom, but your life will be much easier if you can avoid getting sunburned during your festival weekend.

Trust me, it doesnt get EASIER to spend your entire day out in the sun when youre already as red as a lobster.

4. Eat a vegetable.

It can be tempting to grab your 14th slice of pizza and call it dinner after a day of partying when you only have 10 minutes until your next show.

However, I promise you, your body will start to rebel before the festival ends if you only feed it Red Bull, vodka and Doritos.

Bring as much food as you can (this also saves money), and try to pack some moderately healthy things along with the junk food and cheeseburgers.

Granola bars, fruit and nuts make an easy breakfast or a quick mid-day snack that your body wont hate you for.

Some food vendors actually offer vegetables and healthier options for sale inside the festival grounds.

I know theres no way a salad beats a grilled cheese, but your body can only take so many meals that your 5-year-old self would have chosen before it feels like garbage, especially when you throw in the other stressors of sun and heat and alcohol and lack of sleep.

Eat, like, one apple and some carrots. Trust me on this.

3. Prepare for the elements.

REUTERS

This is another area where pack for camping is useful advice.

Remember youll basically be living outside for several days, and so you will be at the mercy of the weather.

Check the forecast before you pack, but be prepared for conditions that change quickly.

It will be hot, and you will be outside in the sun, so dress and act accordingly.

If youre camping, create some shade by putting up a canopy and hanging curtains or tapestries from the sides.

It might rain, so consider clothes and shoes that wont feel awful when wet, as well as a poncho.

Rain equals mud, so pack shoes that can hold up and wont get sucked into the ground like quicksand.

It cools off at night, so bring layers.

This one is a little weird, but prepare for dust! When the wind kicks up, it can create a small dust tornado on festival grounds, so be ready.

Have a bandanna you can cover your face with and sunglasses to protect your eyes, and wear clothes that wont be harmed by a little (or a lot) of dirt.

The point i, before you put something in your suitcase, ask yourself, Can this hold up in every weather condition?

If the answer is no, leave it home.

4. Have a plan for what you want to do, but be open to new experiences.

REUTERS

Festivals can be overwhelming.

Theres always something to do, like socializing in your campsite, playing pick-up volleyball, trying new foods, having drinks at a festival bar and seeing the nonstop music playing on multiple stages at all times.

Go in with some sort of plan, even if its very loose.

You and your group should choose the bands you dont want to miss.

Then, schedule your days accordingly, and figure out how to navigate any schedule conflicts.

Fill in the remaining time with other activities.

However, the fact that you have a plan doesnt mean that you shouldnt be open to spontaneity and new experiences!

Stop by a random stage and see a band youve never heard before. Ask your camping neighbors if they want to play flip cup or throw around a frisbee.

Go to the Silent Disco, even if you dont know exactly what that is. See what you want to see, but be open to new experiences, too.

You wont regret it.

As an aside, try not to get so drunk that you cant make it out of your campsite. You miss both plans and new experiences when you pass out before the first show starts.

5. Make friends (also, dont lose your friends).

REUTERS

The advice surrounding friends is two-fold.

First, be open to making new friends! The vibe at festivals is amazing.

Everyone is happy and excited to be there, and everyone wants to meet everyone else.

If youre camping, befriend your neighbors. Talk to people while you wait in line for beer.

High-five strangers. Bond over your mutual love for The 1975 with the others around you in the crowd.

The friendly vibes are one of the things that makes the festival experience so special, so take advantage.

Also important: When hanging out with friends, new or old, try not to lose them.

Cell service in campsites and festival grounds is garbage, and unless you come prepared with a charging solution, your phone will probably die at least once.

Anytime you split up from friends, have a designated meeting place and time where youll find each other. Even if youre just getting in different food lines, choose a place you will meet up when finished.

This sounds like a bit much, but I promise it will help you.

When you say, Meh, well just *find* each other after this bathroom break, and you emerge to a crowd of 800 people also waiting for bathrooms, trying to find friends or standing around, just finding each other becomes somewhat harder.

Be specific: I will meet you next to this garbage can after you get your pizza and I get my salad (because I read this article and am eating a vegetable).

6. Have fun.

REUTERS

Festivals are an amazing weekend of great music, friends, camping, new experiences and fun.

Think about what will make this weekend the most fun for you, and then do it.

Dont worry if your outfit is less Kylie at Coachella and more James Franco in 127 Hours. (You probably wont have enough service to post that Insta anyway.)

The point isnt to look pretty or to check certain boxes that you should be doing. These weekends are packed to the brim with fun experiences waiting to be had, and youre right there in the middle of it all.

Take advantage, take lots of pictures and have one of the most memorable weekends of your life.

Source: http://allofbeer.com/2017/09/05/6-ways-to-make-sure-your-first-festival-is-the-greatest-experience-of-your-life/

from All of Beer https://allofbeer.wordpress.com/2017/09/05/6-ways-to-make-sure-your-first-festival-is-the-greatest-experience-of-your-life/

[adambstingus]

6 Ways To Make Sure Your First Festival Is The Greatest Experience Of Your Life

Although Ive always been an avid concert-goer, last summer was my full-on, camping-for-five-days music festival experience.

It was incredible: non-stop good music, friendly vibes, camping and the summer sun.

Needless to say, Ive already bought tickets to another festival this summer, and I am anxiously counting down the days.

REUTERS

Like I said, Id been to many a concert before last year, but music festivals are a whole different creature.

Fortunately, I went with an experienced group of festival-goers who saved me from some rookie mistakes. But even so, I learned a few things the hard way.

For those of you attending your first festival this year, let me save you some of my mistakes, sunburns, blister and hangovers.

Here are the biggest lessons I learned last year on how to nail the festival experience:

1. Choose your clothing wisely.

Alexander Grabchilev

I cannot emphasize this point enough.

I beg you, put down your credit card and step away from the must-have festival gear section of whatever clothing company is currently spamming your inbox.

I get that everyone wants to look cute in all of their Instagram posts, Snapchats ad whatever, but consider what youll actually be doing.

You will be outside in the sun, jumping up and down, walking and standing for many hours.

Really, packing for a festival should resemble packing for a hiking trip more than a beach vacation: good shoes, comfortable clothing, hats and so on.

Accept that your hair and makeup, no matter how much effort you put into them, will look like a mess by the end of the day. (You magical creatures who have managed to subvert this, show me your ways.)

It may not sound sexy, but you will thank me for this advice on day two when you can still walk.

Dress for comfort and function.

Pro tips:

1. Wear good shoes.

Avoid those gladiator sandals. Whoever decided these were perfect shoes for the occasion is full of garbage.

You will be walking, standing and jumping around in a crowd for the majority of your day, and lets remember that festival grounds are dirt, grass and mud.

Youll definitely get blisters (and stupid tan lines), and your toes will be stomped to bits in the crowd.

Trust me, I wore sandals for approximately six hours my first day last year, and the combination of sweat, walking and mud gave me blisters that required me to wrap both feet in bandages to be able to walk the rest of the weekend.

I switched to athletic sneakers shortly after.

They looked ugly with my clothing (turns out bright blue Asics dont really go with much), but my feet felt MUCH better than they would have in other shoes, and my toes were mostly protected.

Your feet will hurt more after each day of this festival than they ever have in your entire life, so take care of them.

2. Avoid white clothing.

I left my campsite on day two wearing a cute crop top and high-waisted white shorts.

They lasted for ONE SET before turning brown from all the dust kicked up by the crowd.

I had to rush back and change before the next show, and the dirt never came out. After several washes, those shorts went in the trash.

Remember, you will be dirty and sweaty. Dress accordingly.

3. Your hair and makeup will be a mess by the end of the day.

Sweat plus sunscreen, plus dancing, plus humidity, plus desperately trying to cool off by getting wet makes this hard to avoid.

Embrace it.

4. Dress for comfort.

As Ive said, you will be dancing, running, standing and sweating a ton.

Whatever you put on your body, make sure it will still be comfortable once all of these forces are applied.

Chafing and blisters make your life harder for the rest of the weekend.

2. Stay (as) healthy (as possible).

REUTERS

I know, this can be a tough one.

Music festivals are a beautiful combination of things that are bad for your body: loud noises, extended sun exposure, heat, terrible (delicious) food, drinking (and possibly other substances) and no sleep.

By all means, do whatever will make your festival experience the best possible time.

However, if you can sneak in some healthy habits around the fun, your body will thank you, especially when its 5 pm on the fourth day and youre starting to wonder what possessed you to actually pay money to live outside and be tired for four days straight.

Pro tips:

1. Get as much sleep as humanly possible.

I know Im a cranky bitch when I havent slept enough, but I wanted to stay up as late as possible to experience all the fun.

My compromise with myself? I stayed at the shows until I was ready to pass out.

Then, I dragged myself back to my tent, drank some water, put in earplugs, slipped on a face mask and passed out.

The mask and earplugs (and probably exhaustion, but whatever) worked wonders. I actually slept like a baby and woke up feeling relatively refreshed.

Do whatever you need to do to get as much sleep as you can around your schedule of fun. This is clutch.

2. Hydrate.

This is super important.

Heat and sun plus dancing and alcohol is a recipe for dehydration, and you dont want to be that guy who faints in the middle of Blink-182s set because you didnt drink enough water.

Start hydrating before you leave home, and keep drinking water, Gatorade, Pedialyte or whatever does it for you when you have a nasty hangover.

I drank a Gatorade before I went to sleep every night, and my mornings were far less of a struggle as a result.

3. Wear sunscreen.

Not to sound like your mom, but your life will be much easier if you can avoid getting sunburned during your festival weekend.

Trust me, it doesnt get EASIER to spend your entire day out in the sun when youre already as red as a lobster.

4. Eat a vegetable.

It can be tempting to grab your 14th slice of pizza and call it dinner after a day of partying when you only have 10 minutes until your next show.

However, I promise you, your body will start to rebel before the festival ends if you only feed it Red Bull, vodka and Doritos.

Bring as much food as you can (this also saves money), and try to pack some moderately healthy things along with the junk food and cheeseburgers.

Granola bars, fruit and nuts make an easy breakfast or a quick mid-day snack that your body wont hate you for.

Some food vendors actually offer vegetables and healthier options for sale inside the festival grounds.

I know theres no way a salad beats a grilled cheese, but your body can only take so many meals that your 5-year-old self would have chosen before it feels like garbage, especially when you throw in the other stressors of sun and heat and alcohol and lack of sleep.

Eat, like, one apple and some carrots. Trust me on this.

3. Prepare for the elements.

REUTERS

This is another area where pack for camping is useful advice.

Remember youll basically be living outside for several days, and so you will be at the mercy of the weather.

Check the forecast before you pack, but be prepared for conditions that change quickly.

It will be hot, and you will be outside in the sun, so dress and act accordingly.

If youre camping, create some shade by putting up a canopy and hanging curtains or tapestries from the sides.

It might rain, so consider clothes and shoes that wont feel awful when wet, as well as a poncho.

Rain equals mud, so pack shoes that can hold up and wont get sucked into the ground like quicksand.

It cools off at night, so bring layers.

This one is a little weird, but prepare for dust! When the wind kicks up, it can create a small dust tornado on festival grounds, so be ready.

Have a bandanna you can cover your face with and sunglasses to protect your eyes, and wear clothes that wont be harmed by a little (or a lot) of dirt.

The point i, before you put something in your suitcase, ask yourself, Can this hold up in every weather condition?

If the answer is no, leave it home.

4. Have a plan for what you want to do, but be open to new experiences.

REUTERS

Festivals can be overwhelming.

Theres always something to do, like socializing in your campsite, playing pick-up volleyball, trying new foods, having drinks at a festival bar and seeing the nonstop music playing on multiple stages at all times.

Go in with some sort of plan, even if its very loose.

You and your group should choose the bands you dont want to miss.

Then, schedule your days accordingly, and figure out how to navigate any schedule conflicts.

Fill in the remaining time with other activities.

However, the fact that you have a plan doesnt mean that you shouldnt be open to spontaneity and new experiences!

Stop by a random stage and see a band youve never heard before. Ask your camping neighbors if they want to play flip cup or throw around a frisbee.

Go to the Silent Disco, even if you dont know exactly what that is. See what you want to see, but be open to new experiences, too.

You wont regret it.

As an aside, try not to get so drunk that you cant make it out of your campsite. You miss both plans and new experiences when you pass out before the first show starts.

5. Make friends (also, dont lose your friends).

REUTERS

The advice surrounding friends is two-fold.

First, be open to making new friends! The vibe at festivals is amazing.

Everyone is happy and excited to be there, and everyone wants to meet everyone else.

If youre camping, befriend your neighbors. Talk to people while you wait in line for beer.

High-five strangers. Bond over your mutual love for The 1975 with the others around you in the crowd.

The friendly vibes are one of the things that makes the festival experience so special, so take advantage.

Also important: When hanging out with friends, new or old, try not to lose them.

Cell service in campsites and festival grounds is garbage, and unless you come prepared with a charging solution, your phone will probably die at least once.

Anytime you split up from friends, have a designated meeting place and time where youll find each other. Even if youre just getting in different food lines, choose a place you will meet up when finished.

This sounds like a bit much, but I promise it will help you.

When you say, Meh, well just *find* each other after this bathroom break, and you emerge to a crowd of 800 people also waiting for bathrooms, trying to find friends or standing around, just finding each other becomes somewhat harder.

Be specific: I will meet you next to this garbage can after you get your pizza and I get my salad (because I read this article and am eating a vegetable).

6. Have fun.

REUTERS

Festivals are an amazing weekend of great music, friends, camping, new experiences and fun.

Think about what will make this weekend the most fun for you, and then do it.

Dont worry if your outfit is less Kylie at Coachella and more James Franco in 127 Hours. (You probably wont have enough service to post that Insta anyway.)

The point isnt to look pretty or to check certain boxes that you should be doing. These weekends are packed to the brim with fun experiences waiting to be had, and youre right there in the middle of it all.

Take advantage, take lots of pictures and have one of the most memorable weekends of your life.

from All Of Beer http://allofbeer.com/2017/09/05/6-ways-to-make-sure-your-first-festival-is-the-greatest-experience-of-your-life/ from All of Beer https://allofbeercom.tumblr.com/post/164996257557

[allofbeercom]

6 Ways To Make Sure Your First Festival Is The Greatest Experience Of Your Life

Although Ive always been an avid concert-goer, last summer was my full-on, camping-for-five-days music festival experience.

It was incredible: non-stop good music, friendly vibes, camping and the summer sun.

Needless to say, Ive already bought tickets to another festival this summer, and I am anxiously counting down the days.

REUTERS

Like I said, Id been to many a concert before last year, but music festivals are a whole different creature.

Fortunately, I went with an experienced group of festival-goers who saved me from some rookie mistakes. But even so, I learned a few things the hard way.

For those of you attending your first festival this year, let me save you some of my mistakes, sunburns, blister and hangovers.

Here are the biggest lessons I learned last year on how to nail the festival experience:

1. Choose your clothing wisely.

Alexander Grabchilev

I cannot emphasize this point enough.

I beg you, put down your credit card and step away from the must-have festival gear section of whatever clothing company is currently spamming your inbox.

I get that everyone wants to look cute in all of their Instagram posts, Snapchats ad whatever, but consider what youll actually be doing.

You will be outside in the sun, jumping up and down, walking and standing for many hours.

Really, packing for a festival should resemble packing for a hiking trip more than a beach vacation: good shoes, comfortable clothing, hats and so on.

Accept that your hair and makeup, no matter how much effort you put into them, will look like a mess by the end of the day. (You magical creatures who have managed to subvert this, show me your ways.)

It may not sound sexy, but you will thank me for this advice on day two when you can still walk.

Dress for comfort and function.

Pro tips:

1. Wear good shoes.

Avoid those gladiator sandals. Whoever decided these were perfect shoes for the occasion is full of garbage.

You will be walking, standing and jumping around in a crowd for the majority of your day, and lets remember that festival grounds are dirt, grass and mud.

Youll definitely get blisters (and stupid tan lines), and your toes will be stomped to bits in the crowd.

Trust me, I wore sandals for approximately six hours my first day last year, and the combination of sweat, walking and mud gave me blisters that required me to wrap both feet in bandages to be able to walk the rest of the weekend.

I switched to athletic sneakers shortly after.

They looked ugly with my clothing (turns out bright blue Asics dont really go with much), but my feet felt MUCH better than they would have in other shoes, and my toes were mostly protected.

Your feet will hurt more after each day of this festival than they ever have in your entire life, so take care of them.

2. Avoid white clothing.

I left my campsite on day two wearing a cute crop top and high-waisted white shorts.

They lasted for ONE SET before turning brown from all the dust kicked up by the crowd.

I had to rush back and change before the next show, and the dirt never came out. After several washes, those shorts went in the trash.

Remember, you will be dirty and sweaty. Dress accordingly.

3. Your hair and makeup will be a mess by the end of the day.

Sweat plus sunscreen, plus dancing, plus humidity, plus desperately trying to cool off by getting wet makes this hard to avoid.

Embrace it.

4. Dress for comfort.

As Ive said, you will be dancing, running, standing and sweating a ton.

Whatever you put on your body, make sure it will still be comfortable once all of these forces are applied.

Chafing and blisters make your life harder for the rest of the weekend.

2. Stay (as) healthy (as possible).

REUTERS

I know, this can be a tough one.

Music festivals are a beautiful combination of things that are bad for your body: loud noises, extended sun exposure, heat, terrible (delicious) food, drinking (and possibly other substances) and no sleep.

By all means, do whatever will make your festival experience the best possible time.

However, if you can sneak in some healthy habits around the fun, your body will thank you, especially when its 5 pm on the fourth day and youre starting to wonder what possessed you to actually pay money to live outside and be tired for four days straight.

Pro tips:

1. Get as much sleep as humanly possible.

I know Im a cranky bitch when I havent slept enough, but I wanted to stay up as late as possible to experience all the fun.

My compromise with myself? I stayed at the shows until I was ready to pass out.

Then, I dragged myself back to my tent, drank some water, put in earplugs, slipped on a face mask and passed out.

The mask and earplugs (and probably exhaustion, but whatever) worked wonders. I actually slept like a baby and woke up feeling relatively refreshed.

Do whatever you need to do to get as much sleep as you can around your schedule of fun. This is clutch.

2. Hydrate.

This is super important.

Heat and sun plus dancing and alcohol is a recipe for dehydration, and you dont want to be that guy who faints in the middle of Blink-182s set because you didnt drink enough water.

Start hydrating before you leave home, and keep drinking water, Gatorade, Pedialyte or whatever does it for you when you have a nasty hangover.

I drank a Gatorade before I went to sleep every night, and my mornings were far less of a struggle as a result.

3. Wear sunscreen.

Not to sound like your mom, but your life will be much easier if you can avoid getting sunburned during your festival weekend.

Trust me, it doesnt get EASIER to spend your entire day out in the sun when youre already as red as a lobster.

4. Eat a vegetable.

It can be tempting to grab your 14th slice of pizza and call it dinner after a day of partying when you only have 10 minutes until your next show.

However, I promise you, your body will start to rebel before the festival ends if you only feed it Red Bull, vodka and Doritos.

Bring as much food as you can (this also saves money), and try to pack some moderately healthy things along with the junk food and cheeseburgers.

Granola bars, fruit and nuts make an easy breakfast or a quick mid-day snack that your body wont hate you for.

Some food vendors actually offer vegetables and healthier options for sale inside the festival grounds.

I know theres no way a salad beats a grilled cheese, but your body can only take so many meals that your 5-year-old self would have chosen before it feels like garbage, especially when you throw in the other stressors of sun and heat and alcohol and lack of sleep.

Eat, like, one apple and some carrots. Trust me on this.

3. Prepare for the elements.

REUTERS

This is another area where pack for camping is useful advice.

Remember youll basically be living outside for several days, and so you will be at the mercy of the weather.

Check the forecast before you pack, but be prepared for conditions that change quickly.

It will be hot, and you will be outside in the sun, so dress and act accordingly.

If youre camping, create some shade by putting up a canopy and hanging curtains or tapestries from the sides.

It might rain, so consider clothes and shoes that wont feel awful when wet, as well as a poncho.

Rain equals mud, so pack shoes that can hold up and wont get sucked into the ground like quicksand.

It cools off at night, so bring layers.

This one is a little weird, but prepare for dust! When the wind kicks up, it can create a small dust tornado on festival grounds, so be ready.

Have a bandanna you can cover your face with and sunglasses to protect your eyes, and wear clothes that wont be harmed by a little (or a lot) of dirt.

The point i, before you put something in your suitcase, ask yourself, Can this hold up in every weather condition?

If the answer is no, leave it home.

4. Have a plan for what you want to do, but be open to new experiences.

REUTERS

Festivals can be overwhelming.

Theres always something to do, like socializing in your campsite, playing pick-up volleyball, trying new foods, having drinks at a festival bar and seeing the nonstop music playing on multiple stages at all times.

Go in with some sort of plan, even if its very loose.

You and your group should choose the bands you dont want to miss.

Then, schedule your days accordingly, and figure out how to navigate any schedule conflicts.

Fill in the remaining time with other activities.

However, the fact that you have a plan doesnt mean that you shouldnt be open to spontaneity and new experiences!

Stop by a random stage and see a band youve never heard before. Ask your camping neighbors if they want to play flip cup or throw around a frisbee.

Go to the Silent Disco, even if you dont know exactly what that is. See what you want to see, but be open to new experiences, too.

You wont regret it.

As an aside, try not to get so drunk that you cant make it out of your campsite. You miss both plans and new experiences when you pass out before the first show starts.

5. Make friends (also, dont lose your friends).

REUTERS

The advice surrounding friends is two-fold.

First, be open to making new friends! The vibe at festivals is amazing.

Everyone is happy and excited to be there, and everyone wants to meet everyone else.

If youre camping, befriend your neighbors. Talk to people while you wait in line for beer.

High-five strangers. Bond over your mutual love for The 1975 with the others around you in the crowd.

The friendly vibes are one of the things that makes the festival experience so special, so take advantage.

Also important: When hanging out with friends, new or old, try not to lose them.

Cell service in campsites and festival grounds is garbage, and unless you come prepared with a charging solution, your phone will probably die at least once.

Anytime you split up from friends, have a designated meeting place and time where youll find each other. Even if youre just getting in different food lines, choose a place you will meet up when finished.

This sounds like a bit much, but I promise it will help you.

When you say, Meh, well just *find* each other after this bathroom break, and you emerge to a crowd of 800 people also waiting for bathrooms, trying to find friends or standing around, just finding each other becomes somewhat harder.

Be specific: I will meet you next to this garbage can after you get your pizza and I get my salad (because I read this article and am eating a vegetable).

6. Have fun.

REUTERS

Festivals are an amazing weekend of great music, friends, camping, new experiences and fun.

Think about what will make this weekend the most fun for you, and then do it.

Dont worry if your outfit is less Kylie at Coachella and more James Franco in 127 Hours. (You probably wont have enough service to post that Insta anyway.)

The point isnt to look pretty or to check certain boxes that you should be doing. These weekends are packed to the brim with fun experiences waiting to be had, and youre right there in the middle of it all.

Take advantage, take lots of pictures and have one of the most memorable weekends of your life.

from All Of Beer http://allofbeer.com/2017/09/05/6-ways-to-make-sure-your-first-festival-is-the-greatest-experience-of-your-life/

[hausofskuh-blog]

Skincare Routine

Heeyoooo, Pavos. So it's been a minute since I've been on here. To be honest, January is my least favorite month.  The weather is usually lame (unless there is snow!), and I just feel like it's slow.  There isn't much to look forward too, and it kinda puts me in a slump.  Lately, my weekends have been packed, so when I do have down time, I'm trying to play catchup on things that need to get done.  I'm usually pretty good about posting to tha gram, but it's harder for me to do blog posts. I had worked so hard on an earlier post, but it ended up being too behind the times and frustrating, so I bagged it altogether.   Instead, I'm coming at you today with my newly updated skincare routine, and I hope you enjoy!

    So skincare is my ish, has been since I was in high school.  Through research and growing up, I've learned how important taking care of your skin is, and I'd love to share with y'all how I keep mine in shape.  People always think I'm younger than I actually am, but that won't automatically keep my skin young as I age.  This past year, I became dissatisfied with my old routine, and needed to switch things up. My skin is combination, which means my T-zone is more oily, and the surrounding areas are normal-dry. Below I'll discuss my morning and night routine, and why I love each product I'm using!

Morning:

Cleanser: Bare Minerals Trio - I started off using "Clay Chameleon", and then bought this trio at Christmas time.  To me, a morning cleanser doesn't need to be anything too fancy or special. I just need something that will take off any excess residue from the night before without stripping my skin too much. These cleansers came in smaller sizes so that the consumer could test each one, which of course, lured me in. I liked "Clay Chameleon", but wanted to try the others, so this worked well for me.

Toner: Pixi Glow Tonic - Obviously, this is just a baby sample, but I first picked it up to make sure the product didn't irritate my sensitive skin. I've since purchased the "Glow To Go" Glow Tonic pre-moistened pads, and I love them!  These have glycolic acid in them, which helps to exfoliate your face in a gentle way.  I have blackheads and large pores, so this is essential to my skincare regimen. One of my goals for 2017 is to really tackle my blackheads and keep my pores clear, so I'll keep y'all updated on my progress!

Moisturizer: Pond's Clarant B3 lotion:  This lotion was given to me by my bae's mom because she didn't like it. I used to have a sample size and I knew it worked on my skin, so I snatched it up.  This cream helps to eliminate or fade dark spots and scars.  I don't have a ton of acne scars, nor do I get rad zits very often, but this helps fade any discoloration I may have.  The smell is minimal and clean, and the lotion leaves my face feeling moisturized, but not greasy.

Eye Cream: 100% Pure Caffeine Eye Cream - I got a lil sample of this in my old Birchbox subscription and immediately fell in love! It smells like chocolate, and works well for dark circles.  I have since purchased a full size.  Some people may not want to use an eye cream in the morning, but because I bake my under-eyes and I have dark circles, I need it.  

Night:

Cleanser - Yes to Coconut: Cream Cleanser - I used to have the Yes to Coconut Moringa Seed Oil Cleanser, but I switched when I started running out. I still have a smidge of it left, but I couldn't find it when I went back to Target.  The new cream cleanser is essentially the same, just a different formula.  The older formula is incredible at "melting off" your makeup (it's on the packaging), so just for info, I'll tell y'all how I used it.  I would apply it dry to my face and really work it in. The formula was greasy, so it spread well.  Then I'd rinse it off, and voila!  My face was clean as a whistle.  The cream cleanser works much in the same way, but I don't usually use it dry. It tends to need a bit of water to work it up.  Both left my face feeling clean, but also very hydrated.

Toner - Paula's Choice Skin Perfecting 2% BHA Liquid Exfoliant - This is another one of those things I wanted to try for my pores. The BHA (Beta Hydroxy Acid) helps clear pores, redness, wrinkles, and diminish pore-size.  I read some reviews online that it was irritating, so when I ordered it, I also ordered some lil samples. (Side perk: PC has everything in sample form, so you can try anything)  I figured I'd use the samples to ensure I didn't have a reaction.  If it had irritated my skin, I could have returned the unopened full size.  Within the first couple days of using this, I noticed that my skin seemed brighter and smoother.  It did dry out areas on my forehead, so I made sure to heavily moisturize at night.  I'll have to do a 3-4 month update, because my pores are going to take awhile.

Moisturizer: St. Ive's Timeless Skin:  This stuff is the bomb. It retails for around $5 dollars at Walmart, and smells fresh.  The formula isn't super heavy, but it does a great job of keeping my skin hydrated.  The collagen and elastin help with anti-aging and wrinkles, two things I'm paranoid about.  I decided to try this after having seen another beauty blogger rave about it, and I'm so glad I did.  For the price, you get an amazing amount of product, and it works!

Exfoliator: St. Ive's Green Tea Blackhead Scrub - I've had samples of this a few times, but never really thought to buy it. I always liked it, but I had some other full size exfoliator on hand.  A few months ago, I purchased a Yes To Grapefruit exfoliating cleanser, and was honestly disappointed.  That spurred me to go ahead and buy this one because I remembered how I'd liked it before.  The ingredients are all natural, it does an amazing job exfoliating without being too harsh, and it smells yummy!  I'm really glad I decided to go in on this product, because it has proved to be a favorite. I use it about twice a week to slough off any dead skin, and it works like a dream!

Eye Cream - Nip+Fab Viper Venom - I got this product on sale at Ulta after randomly perusing the aisles, but I actually really like it.  It came in a big tube, so it's lasted me a fairly long while.  It helps to plump up fine lines and keep my eyes feeling fresh.  I may go for a different eye cream when this one's done, but for now, I'm a fan.

    That's it for my normal routine, but I'd like to add that I try and do a face mask at least once a week, and sometimes I supplement in my Bare Minerals Brilliant Future serum.  If I need an extra layer of moisture and vitamins, I pack this puppy on.  I originally used their skingevity serum, but I honestly wasn't very impressed. Lots of people raved about it, but I didn't really see any difference in my skin.  This serum is better, because it could work well on it's own, but also works great as a supplement.  The other serum wasn't moisturizing enough to be used on it's own.  

    I also just bought a pore-refining gel from Yes To Grapefruit. I haven't actually used it yet, but I'm excited to see how it performs. It's sort of a treatment type thing, so it's something I'd use a few nights a week.  

    That's all for my skincare routine!! See y'all next time!

[themoneybuff-blog]

Case study: Starting with less than zero

I am not a trained financial expert. Im not an accountant, Im not a financial planner, and Im not a stock broker. Whats more, Ive made many many money mistakes on my own financial journey. As a result, Ive always been reluctant to sit down with people and go over their budgets. That seems to be changing. In March, I spent a couple of hours talking with a friend about her financial situation. A few days ago, another friend asked if Id be willing to meet with him in the near future to puzzle through his budget woes. And yesterday, I took three hours to chat about money with my friends Wally and Jodie. As always, Ive changed names and certain identifying features in the story that follows. Unless I have explicit permission to share details, I do my best to protect peoples privacy when I write about their intimate financial lives. Wally and Jodie have recently begun dating. Hes in his early forties (and recently divorced); shes in her late twenties. They both work in food service, and have done so all of their lives. Their trouble and the reason they asked me for help is that they cannot seem to make ends meet. They work hard but never have anything to show for it. In fact, they feel like theyre falling further and further behind. Can you help us? Wally and Jodie asked. I can try, I said. Lets look at your numbers. An Income Problem To start, I said, lets look at how much youre bringing in. Thats part of the problem, Jodie said. We dont have a fixed income. Because most of our money comes from tips, we cant predict how much were going to make from one month to the next. Right, said Wally. And it doesnt help that our hours are irregular. We both work at several different restaurants. Some pay better than others. Plus, there are days when you wont have any customers. When that happens, youre sent home early with nothing to show for it. Well, how much would you say you make on average? I asked. Wally and Jodie made some calculations. I make maybe $1400 per month, Wally said. On a good month, Ill make $1700. And Jodie makes another $1500. These numbers are after taxes. Jodie nodded. But we each just picked up a shift at a new restaurant. That should give us each maybe $500 extra each month. Thats great, I said, jotting down numbers in my notebook. But I dont like looking at potential numbers. I learned the hard way that when you budget based on future raises, bonuses, or other expected sources of income, you can get into real trouble. Obviously, you hope that extra money comes through, and when it does, you can apply it to your budget. Until then, though, its best to ignore it. I thought for a moment. My first impression before we even look at your spending is that youre not making enough money. Youre making less than $3000 per month combined. We should brainstorm some ways you can earn more. Starting with Less than Zero I turned a page in my notebook. Now, lets talk about how much youre spending. Thats the problem, Jodie said. We spend exactly what we bring in, no matter how much we bring in. That means theres never enough to catch up on our debts some of which were behind on. What are your biggest expenses? I asked. Well, our apartment costs $900 per month but itll go up to $950 pretty soon, Wally said. Not bad, I said. Thats actually a great price for Portland. And its a reasonable amount based on your income. I explained how the average American household spends one-third of its income on housing; I advocate aiming for 25% or less. Food costs money, Jodie said. We budget about $100 per week for groceries, but thats just bare bones stuff, you know? I have a car payment, Wally said. In fact, thats one of our biggest problems. I took out the loan when I was married. My ex-wife and I are both on the loan. It seemed reasonable at the time. Now, though, its a pain in the ass. I owe $12,500 on the car and payments are $300 per month. To make matters worse, Im already a couple of months late on my payments. This is causing me a ton of stress. It makes Jodie stressed, it makes my ex-wife stressed, and it makes me stressed. Hm, I said. I dont have any experience with getting behind on payments. I used to live paycheck to paycheck, for sure, but I was lucky. I never had an accident or got sick, so I was always able to make payments on time. I dont know that I have any good advice for you about this problem, but maybe some of my readers at Get Rich Slowly could help. Wally nodded. Honestly, thats one of our biggest frustrations with the money advice weve found, said Jodie. All of it assumes that youre starting from zero. Or more than zero. What if youre starting with less than zero? What if youre deep in debt we have $35,000 in debt, just like you used to and what if youre behind on your payments? What then? All of the advice we read seems to be written by rich people for rich people. Yeah, I can see how that would be frustrating, I said. Like I said, I dont have experience starting at less than zero. I started at zero. I was deep in debt, but once I stopped spending, I already had a gap between my income and spending, so I could immediately start paying down debt. You two have some catching up to do. We need to figure out how you can play catch-up. A Mountain of Debt As we worked through their budget, I was mostly impressed. While Wally and Jodie arent bringing in a lot of money, theyre not spending a lot of money either. As with most budgets, they did have some discretionary items that could be cut, but not a ton of them. (Their biggest discretionary expense seems to be local travel. Theyre spending a couple of hundred dollars each month to visit family and/or have fun with friends.) My biggest concern was their debt. Between the two of them, they have $35,000 in debt: $12,500 for Wallys car, on which hes upside-down. (I wish I could just sell it and wipe out the debt, Wally said. But Id still owe about $3000 if we sold it.)$12,500 for Jodies student loans.$10,000 of miscellaneous debts, such as $500 they just spent to buy new tires after getting stranded because of a flat. To complicate matters, Wally and Jodie are going through several large life transitions right now. Wally is fresh from his divorce, they just moved in together, theyre both trying to find permanent full-time jobs, and theyre thinking about moving to a cheaper place to live. So, thats our situation, Jodie said. For good or ill, thats what we have. Where do we start? How do we get out of this mess? Well, I said, the good news is that I think youre both capable of working together to build a brighter future. The bad news is that its going to take some time. Its also going to require some sacrifices or what seem like sacrifices. If you want to fix this, youll have to do some stuff that sucks in the short term. But I want you to remember: Most of these sacrifices are temporary. Theyre only until you manage to get rid of the debt. I read what you wrote about growing up poor and having a scarcity mindset, Wally said. I totally relate. My family was poor too. Any time my parents got money, they spent it. They felt like they deserved to treat themselves because theyd gone without for so long. And looking at my own life, I see that I do that too. Thats a tough trap, I said. I totally relate. And I know first-hand how when youre poor, you feel like any windfall should be spent on fun. But if you want long-term happiness and financial stability, you have to decide that for a year or two youre not going to give in to that temptation. When you get a bonus or a raise or a big tip from a table at work, youll put that money toward your financial goals, not toward a nice dinner out. Once you get rid of the debt, you can have all sorts of nice dinners out. But until then, you have to agree to make a game of living on less. Growing the Gap I want you to focus on two things, I said. The first thing is the gap between your earning and spending. Right now, you dont have a gap. Youre spending exactly what you earn. Its impossible to save for the future or to catch up on your debt if you dont make more than you earn. So, to start, you two need to do whatever you can to increase this gap. I turned back to my notes on their budget. You should trim your budget in whatever way you can. You dont have a lot to trim, but if theres anything you can cut, cut it. I know family is important to you, but maybe you can explain what that youre trying to get out of debt and need to take some time off from the visits. Or maybe make the visits shorter a weekend instead of a week. And remember: Youre not cutting these things forever. Youre only cutting them until you get rid of your debt. Wally and Jodie nodded. Because you dont have a lot to cut from your budget, I continued, I think the best way for you to increase your gap is to find ways to earn more money. Right now, youre both working at two or three or four different restaurants. You only have a few hours per week at each place. None of the restaurants are that nice, so you dont make great tips. Honestly, I think this is where you should focus most of your attention. Wally sighed. Weve talked about that, he said. Wed love to earn more, but nothing ever seems to work out. One place says its going to give us more hours, but it never does. Jodie will pick up a shift a nice restaurant across town, but then its a logistical problem to get there. I get frustrated by how much time is involved with all of this. Thats a good point, I said, and I dont have a good solution. Actually, you know what Id do if I were you? Youre both great servers. You do good work. Your bosses like you, and so do your customers. If I were you, I wouldnt be looking for work at diners and cafes. In your spare time which I know isnt much you should be applying for work at upscale places. When you work at a nicer place, you dont do any more work, but you make a lot more money. Plus, you have the advantage of interacting with a different sort of clientele. If you build relationships with some of them, who knows where that could lead? When I was in college, I made money by waiting tables. I received several job offers from regular customers who were impressed by my work ethic. I suspect that if Wally and Jodie were in the right environment, theyd experience the same kind of thing. Another option is to pick up a few hours work doing something completely different, I suggested. Maybe Jodie could work in a womens clothing store. Maybe Wally could do yardwork or handyman stuff. I think we get where youre going with this, Jodie said. We need to increase the gap between our earning and spending. Because we dont spend a lot, the best way to do this is to earn more moneysomehow. Yep, I said. Thats the gist of it. Thats the first thing I think you should focus on. Taking Baby Steps The second thing you should tackle is your debt. I know you both have things you want to save for long term, but I want you to put those dreams on hold for now. You cant save for your future until you pay off your past. My dad tells me I should save first before tackling the debt, Jodie said. He says I should build six months of savings before anything else. What do you think? I disagree, I said. I think saving six months worth of expenses is a fine goal, and thats absolutely what you should aim for. But thats not where you should start. As you increase your gap between earning and spending because remember everything depends on this gap I think you should apply your money according to the Dave Ramsey plan. Here, Ill explain. I made a modified list of Dave Ramseys baby steps: Build a basic emergency fund of roughly $1000 (while continuing to make minimum payments on debt). My advice is to keep this fund in a brand-new bank account that isnt connected in any way to your other accounts, I said. You want to make this easy enough to access when you need it, but not so easy that you can just access the money on a whim.Pay off all debt using some version of the debt snowball method. When I was struggling, I couldnt figure out how to get out of debt, I said. Dave Ramseys version of the debt snowball helped me. In your case, Id use a slightly different version. Wallys car seems to be a huge psychological weight. You two need to prioritize that. After youve saved your emergency fund, throw as much money as you can at debt with everything extra you can find going to that car.Save an enhanced emergency fund equal to six months of normal expenses. After youre out of debt, beef up your savings. I know youll want to start saving for other goals right away, but dont. Take time to add some margin to your life. Youll be glad you did.Pursue long-term financial goals, such as traveling, moving to Idaho, or buying a motorcycle. You know whats awesome? I said. After youve taken time to pay off what you owe using the debt snowball, then you can immediately start building a wealth snowball. If youre paying $500 toward debt each month, then once that debt is gone you can immediately start saving $500 per month! That all sounds great, said Wally, but to be honest, J.D., in some ways your advice is just like the other advice. What do you mean? I asked. Well, its assuming that were starting from zero. But were not. Were starting with less than zero. I have an idea, said Jodie. What if we added a step zero to the baby steps? We could call it putting out the fires. Before we save the basic emergency fund, we could throw every dollar toward catching up on the car payments. I think thats fantastic, I said. In fact, I think thats really smart. If you can take some quick steps toward increasing your gap between earning and spending, then you should be able to get caught up on the car within a few months if nothing goes awry. Then you can pursue the plan Ive laid out. Wally nodded. I think that makes sense, he said. Final Thoughts After three hours on the back deck, I sent Wally and Jodie home with a handful of money books. I could tell their minds were bubbling with new ideas. (Is gas for the car a Want or a Need? Wally texted me yesterday afternoon. I love it!) I know that Wally feels frustrated. He hates being over forty yet feeling like hes in the same place he was when he was twenty. I get it. But heres the thing: He has to adopt a beginners mind. Start where you are, I wrote in January. Dont fret about the past or how other people are doing. Wally needs to accept that his situation is what it is and work to improve from that point. Knowing what I know about these two, I really do believe theyre capable of starting where they are starting with less than zero and destroying their debt in a relatively short period of time. It took me 37 months to get out of debt. (I started on 21 October 2004 and finished on 03 December 2007. Thats a total of 1139 days to pay off $35,196 in debt.) Progress was slow at first, but accelerated rapidly toward the end of that period. Wally and Jodie have exactly the same amount of debt as I did when I decided to become CFO of my own life. My challenge for them is this: Get out of debt quicker than I did. Do it in less than 1139 days. If we count yesterday as Day One, then 29 September 2021 would be day 1138. Wally and Jodie, my hope for you is that together you can be debt free by that date or sooner. What advice do you have for Wally and Jodie? What can they do to improve their financial situation? Did you start your financial journey with less than zero? Have you ever fallen behind on payments? If so, how did you handle it? How did you caught up? https://www.getrichslowly.org/less-than-zero/

[themoneybuff-blog]

Case study: Starting with less than zero

I am not a trained financial expert. Im not an accountant, Im not a financial planner, and Im not a stock broker. Whats more, Ive made many many money mistakes on my own financial journey. As a result, Ive always been reluctant to sit down with people and go over their budgets. That seems to be changing. In March, I spent a couple of hours talking with a friend about her financial situation. A few days ago, another friend asked if Id be willing to meet with him in the near future to puzzle through his budget woes. And yesterday, I took three hours to chat about money with my friends Wally and Jodie. As always, Ive changed names and certain identifying features in the story that follows. Unless I have explicit permission to share details, I do my best to protect peoples privacy when I write about their intimate financial lives. Wally and Jodie have recently begun dating. Hes in his early forties (and recently divorced); shes in her late twenties. They both work in food service, and have done so all of their lives. Their trouble and the reason they asked me for help is that they cannot seem to make ends meet. They work hard but never have anything to show for it. In fact, they feel like theyre falling further and further behind. Can you help us? Wally and Jodie asked. I can try, I said. Lets look at your numbers. An Income Problem To start, I said, lets look at how much youre bringing in. Thats part of the problem, Jodie said. We dont have a fixed income. Because most of our money comes from tips, we cant predict how much were going to make from one month to the next. Right, said Wally. And it doesnt help that our hours are irregular. We both work at several different restaurants. Some pay better than others. Plus, there are days when you wont have any customers. When that happens, youre sent home early with nothing to show for it. Well, how much would you say you make on average? I asked. Wally and Jodie made some calculations. I make maybe $1400 per month, Wally said. On a good month, Ill make $1700. And Jodie makes another $1500. These numbers are after taxes. Jodie nodded. But we each just picked up a shift at a new restaurant. That should give us each maybe $500 extra each month. Thats great, I said, jotting down numbers in my notebook. But I dont like looking at potential numbers. I learned the hard way that when you budget based on future raises, bonuses, or other expected sources of income, you can get into real trouble. Obviously, you hope that extra money comes through, and when it does, you can apply it to your budget. Until then, though, its best to ignore it. I thought for a moment. My first impression before we even look at your spending is that youre not making enough money. Youre making less than $3000 per month combined. We should brainstorm some ways you can earn more. Starting with Less than Zero I turned a page in my notebook. Now, lets talk about how much youre spending. Thats the problem, Jodie said. We spend exactly what we bring in, no matter how much we bring in. That means theres never enough to catch up on our debts some of which were behind on. What are your biggest expenses? I asked. Well, our apartment costs $900 per month but itll go up to $950 pretty soon, Wally said. Not bad, I said. Thats actually a great price for Portland. And its a reasonable amount based on your income. I explained how the average American household spends one-third of its income on housing; I advocate aiming for 25% or less. Food costs money, Jodie said. We budget about $100 per week for groceries, but thats just bare bones stuff, you know? I have a car payment, Wally said. In fact, thats one of our biggest problems. I took out the loan when I was married. My ex-wife and I are both on the loan. It seemed reasonable at the time. Now, though, its a pain in the ass. I owe $12,500 on the car and payments are $300 per month. To make matters worse, Im already a couple of months late on my payments. This is causing me a ton of stress. It makes Jodie stressed, it makes my ex-wife stressed, and it makes me stressed. Hm, I said. I dont have any experience with getting behind on payments. I used to live paycheck to paycheck, for sure, but I was lucky. I never had an accident or got sick, so I was always able to make payments on time. I dont know that I have any good advice for you about this problem, but maybe some of my readers at Get Rich Slowly could help. Wally nodded. Honestly, thats one of our biggest frustrations with the money advice weve found, said Jodie. All of it assumes that youre starting from zero. Or more than zero. What if youre starting with less than zero? What if youre deep in debt we have $35,000 in debt, just like you used to and what if youre behind on your payments? What then? All of the advice we read seems to be written by rich people for rich people. Yeah, I can see how that would be frustrating, I said. Like I said, I dont have experience starting at less than zero. I started at zero. I was deep in debt, but once I stopped spending, I already had a gap between my income and spending, so I could immediately start paying down debt. You two have some catching up to do. We need to figure out how you can play catch-up. A Mountain of Debt As we worked through their budget, I was mostly impressed. While Wally and Jodie arent bringing in a lot of money, theyre not spending a lot of money either. As with most budgets, they did have some discretionary items that could be cut, but not a ton of them. (Their biggest discretionary expense seems to be local travel. Theyre spending a couple of hundred dollars each month to visit family and/or have fun with friends.) My biggest concern was their debt. Between the two of them, they have $35,000 in debt: $12,500 for Wallys car, on which hes upside-down. (I wish I could just sell it and wipe out the debt, Wally said. But Id still owe about $3000 if we sold it.)$12,500 for Jodies student loans.$10,000 of miscellaneous debts, such as $500 they just spent to buy new tires after getting stranded because of a flat. To complicate matters, Wally and Jodie are going through several large life transitions right now. Wally is fresh from his divorce, they just moved in together, theyre both trying to find permanent full-time jobs, and theyre thinking about moving to a cheaper place to live. So, thats our situation, Jodie said. For good or ill, thats what we have. Where do we start? How do we get out of this mess? Well, I said, the good news is that I think youre both capable of working together to build a brighter future. The bad news is that its going to take some time. Its also going to require some sacrifices or what seem like sacrifices. If you want to fix this, youll have to do some stuff that sucks in the short term. But I want you to remember: Most of these sacrifices are temporary. Theyre only until you manage to get rid of the debt. I read what you wrote about growing up poor and having a scarcity mindset, Wally said. I totally relate. My family was poor too. Any time my parents got money, they spent it. They felt like they deserved to treat themselves because theyd gone without for so long. And looking at my own life, I see that I do that too. Thats a tough trap, I said. I totally relate. And I know first-hand how when youre poor, you feel like any windfall should be spent on fun. But if you want long-term happiness and financial stability, you have to decide that for a year or two youre not going to give in to that temptation. When you get a bonus or a raise or a big tip from a table at work, youll put that money toward your financial goals, not toward a nice dinner out. Once you get rid of the debt, you can have all sorts of nice dinners out. But until then, you have to agree to make a game of living on less. Growing the Gap I want you to focus on two things, I said. The first thing is the gap between your earning and spending. Right now, you dont have a gap. Youre spending exactly what you earn. Its impossible to save for the future or to catch up on your debt if you dont make more than you earn. So, to start, you two need to do whatever you can to increase this gap. I turned back to my notes on their budget. You should trim your budget in whatever way you can. You dont have a lot to trim, but if theres anything you can cut, cut it. I know family is important to you, but maybe you can explain what that youre trying to get out of debt and need to take some time off from the visits. Or maybe make the visits shorter a weekend instead of a week. And remember: Youre not cutting these things forever. Youre only cutting them until you get rid of your debt. Wally and Jodie nodded. Because you dont have a lot to cut from your budget, I continued, I think the best way for you to increase your gap is to find ways to earn more money. Right now, youre both working at two or three or four different restaurants. You only have a few hours per week at each place. None of the restaurants are that nice, so you dont make great tips. Honestly, I think this is where you should focus most of your attention. Wally sighed. Weve talked about that, he said. Wed love to earn more, but nothing ever seems to work out. One place says its going to give us more hours, but it never does. Jodie will pick up a shift a nice restaurant across town, but then its a logistical problem to get there. I get frustrated by how much time is involved with all of this. Thats a good point, I said, and I dont have a good solution. Actually, you know what Id do if I were you? Youre both great servers. You do good work. Your bosses like you, and so do your customers. If I were you, I wouldnt be looking for work at diners and cafes. In your spare time which I know isnt much you should be applying for work at upscale places. When you work at a nicer place, you dont do any more work, but you make a lot more money. Plus, you have the advantage of interacting with a different sort of clientele. If you build relationships with some of them, who knows where that could lead? When I was in college, I made money by waiting tables. I received several job offers from regular customers who were impressed by my work ethic. I suspect that if Wally and Jodie were in the right environment, theyd experience the same kind of thing. Another option is to pick up a few hours work doing something completely different, I suggested. Maybe Jodie could work in a womens clothing store. Maybe Wally could do yardwork or handyman stuff. I think we get where youre going with this, Jodie said. We need to increase the gap between our earning and spending. Because we dont spend a lot, the best way to do this is to earn more moneysomehow. Yep, I said. Thats the gist of it. Thats the first thing I think you should focus on. Taking Baby Steps The second thing you should tackle is your debt. I know you both have things you want to save for long term, but I want you to put those dreams on hold for now. You cant save for your future until you pay off your past. My dad tells me I should save first before tackling the debt, Jodie said. He says I should build six months of savings before anything else. What do you think? I disagree, I said. I think saving six months worth of expenses is a fine goal, and thats absolutely what you should aim for. But thats not where you should start. As you increase your gap between earning and spending because remember everything depends on this gap I think you should apply your money according to the Dave Ramsey plan. Here, Ill explain. I made a modified list of Dave Ramseys baby steps: Build a basic emergency fund of roughly $1000 (while continuing to make minimum payments on debt). My advice is to keep this fund in a brand-new bank account that isnt connected in any way to your other accounts, I said. You want to make this easy enough to access when you need it, but not so easy that you can just access the money on a whim.Pay off all debt using some version of the debt snowball method. When I was struggling, I couldnt figure out how to get out of debt, I said. Dave Ramseys version of the debt snowball helped me. In your case, Id use a slightly different version. Wallys car seems to be a huge psychological weight. You two need to prioritize that. After youve saved your emergency fund, throw as much money as you can at debt with everything extra you can find going to that car.Save an enhanced emergency fund equal to six months of normal expenses. After youre out of debt, beef up your savings. I know youll want to start saving for other goals right away, but dont. Take time to add some margin to your life. Youll be glad you did.Pursue long-term financial goals, such as traveling, moving to Idaho, or buying a motorcycle. You know whats awesome? I said. After youve taken time to pay off what you owe using the debt snowball, then you can immediately start building a wealth snowball. If youre paying $500 toward debt each month, then once that debt is gone you can immediately start saving $500 per month! That all sounds great, said Wally, but to be honest, J.D., in some ways your advice is just like the other advice. What do you mean? I asked. Well, its assuming that were starting from zero. But were not. Were starting with less than zero. I have an idea, said Jodie. What if we added a step zero to the baby steps? We could call it putting out the fires. Before we save the basic emergency fund, we could throw every dollar toward catching up on the car payments. I think thats fantastic, I said. In fact, I think thats really smart. If you can take some quick steps toward increasing your gap between earning and spending, then you should be able to get caught up on the car within a few months if nothing goes awry. Then you can pursue the plan Ive laid out. Wally nodded. I think that makes sense, he said. Final Thoughts After three hours on the back deck, I sent Wally and Jodie home with a handful of money books. I could tell their minds were bubbling with new ideas. (Is gas for the car a Want or a Need? Wally texted me yesterday afternoon. I love it!) I know that Wally feels frustrated. He hates being over forty yet feeling like hes in the same place he was when he was twenty. I get it. But heres the thing: He has to adopt a beginners mind. Start where you are, I wrote in January. Dont fret about the past or how other people are doing. Wally needs to accept that his situation is what it is and work to improve from that point. Knowing what I know about these two, I really do believe theyre capable of starting where they are starting with less than zero and destroying their debt in a relatively short period of time. It took me 37 months to get out of debt. (I started on 21 October 2004 and finished on 03 December 2007. Thats a total of 1139 days to pay off $35,196 in debt.) Progress was slow at first, but accelerated rapidly toward the end of that period. Wally and Jodie have exactly the same amount of debt as I did when I decided to become CFO of my own life. My challenge for them is this: Get out of debt quicker than I did. Do it in less than 1139 days. If we count yesterday as Day One, then 29 September 2021 would be day 1138. Wally and Jodie, my hope for you is that together you can be debt free by that date or sooner. What advice do you have for Wally and Jodie? What can they do to improve their financial situation? Did you start your financial journey with less than zero? Have you ever fallen behind on payments? If so, how did you handle it? How did you caught up? https://www.getrichslowly.org/less-than-zero/