#but the total repairs cost is like 3000

[residentsocialfailure]

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[pinkarai19]

Explore the Costs of Charging & Running an Electric Scooter

Sales of electric two-wheelers in India skyrocketed[1]  from 327,900 to 8,46,976 units in 2022 – 2023 — an increase of over 250%!

Electric scooters, sometimes also known as electric bikes, have become the go-to choice for delivery personnel, collegians, senior citizens, and savvy office-goers to zoom through busy streets. These zero-pollution two-wheelers have transformed the way people travel, allowing them to effortlessly navigate traffic while slashing fuel expenses.

Here’s what electric bike ownership costs really look like!

Initial Investment

The price range for these eco-friendly two-wheelers starts at around Rs 50,000 and can go up to Rs 1.3 lakh for more advanced models. In comparison, popular petrol scooters in India cost between Rs 65,000 and Rs 1.3 lakh. So, when it comes to prices, electric scooters are quite competitive.

Electric scooters are an even more appealing option because the Indian government offers a fantastic incentive for purchasing them: Phase II of the FAME India Scheme provides a 15% subsidy for electric two-wheelers across the country. Several states are offering additional incentives[1]  in the form of road tax exemptions, motor vehicle tax exemptions, and registration fee waivers.

Calculating Electric Bike Charging Expenses

The cost of charging an electric scooter varies across India, since electricity costs are different in every state. Here’s how to calculate an electric scooter’s cost per charge:

Battery’s kWh x Electric Tariff per kWh

For example, in Uttar Pradesh, which boasts especially high EV adoption rates, multiplying the battery's capacity (let's say 1.50 kWh) by the electricity tariff rate (Rs 7[1] ) results in an electric scooter charge cost of just Rs 10.5. With a range of 80 KM/C, that means you can zoom across 80 thrilling kilometers for a mere Rs 10.5!

Remember, a powerful scooter battery allows more mileage per charge, translating to lower charging expenses in the long run.

Electric Bike Maintenance Costs

Electric scooters are less expensive to maintain than their traditional counterparts, given that they have fewer moving parts[2]  that could need repair. Just keep up with routine checkups, cleaning, and lubrication, and your suspension, brakes, and wheels will effortlessly maintain their efficiency. Furthermore, most electric scooter manufacturers in India offer affordable subscription plans for regular servicing. Brake pads, which should only be changed up to twice a year, cost a mere Rs 200 – 400. In total, annual electric scooter maintenance generally costs Rs 1000 – 3000.

There is, however, one substantial hidden cost: the battery, which needs to be replaced every 5 years. As of 2023, replacement batteries cost around Rs 30,000 – 40,000. Fortunately, battery prices are expected to plummet in the near future, and this expense will cease to be a major concern, leaving owners to enjoy the freedom of minimal maintenance costs and savings with electric scooters.

Zooming Forward

Electric scooters have become the top choice in towns and cities amongst people of all demographics, revolutionizing commuting with their environmental and financial advantages. Not only are electric scooters priced competitively in the Indian market, but the Indian government's FAME-II scheme provides a lucrative 15% subsidy, making them even more affordable. Charging costs vary across states, but are unlikely to be high. With lower maintenance expenses and fuel costs than their traditional alternatives, and a drop in battery prices on the horizon, electric scooters are proving to be an extremely attractive option.

[ltrainpr]

How I lost 20 pounds in my 40's

I get asked a lot how I lost 20+ pounds. I'm still in the process of losing 10 more pounds for a total of 30 pounds (or 13% of my body weight).

I very much like the phrase find out what the cost is, and then pay it. Please understand that my perspective is from a man in their 40's that swims 4 times a week for 45 minutes each time. I burn around 700+ calories per swim. I also do an optional pushup, pullup, situp, and squat routine (without weights) once a week. If you workout less per week, this method will help you either way. You just have to adjust the math to account for your net calorie burn.

The point is that for me, the change was mainly my diet. I'm a very pragmatic person. So for me losing weight is hard yet simple. It's basically another way of budgeting. To lose a pound per week you need to burn 3500 calories per week. I'm 6'2" in height and weigh 210 pounds to date. To maintain my weight I need to eat around 3000 calories per day when I workout, or 2300 calories when I don't workout. That means my net calorie intake per day needs to be negative 500 calories. In other words, my 2500 calories when I workout or 1800 calories when I don't workout.

When you factor in drinking wine and eating with friends on the weekends you have to add another 1000 calories per day (I'm including the alcohol calories). I found it very difficult to eat less than 1800 calories per day, so my solution is to add a fasting day or broccoli monday (see more info below) as an alternative to fasting. The point is to account/burn that extra 1-2k additional calories you consumed on the weekend.

Here is the cost:

I lost around 14 pounds (or 6.1% of my body weight) by meal prepping twice a week. I researched and selected about 10 meals of around 500 calories that I could prep within 45 minutes. I make about around 5 meals during each meal prepping session. i.e. Breakfast burritos, chicken/black rice/broccoli, salmon/black rice/broccoli, and fish tacos.

For breakfast, I prep a half a cup overnight oats or muesli. I warm these up with blueberries in the microwave or have them cold with a half a cup of greek yogurt.

For healthy snacking, I'll have popcorn (i.e. Himalayan Pink Salt Lesser Evil Popcorn), lara bars, nuts (cashews/almonds), or a couple of pieces of healthy bread slices (i.e. Dave's Killer Bread) with almond butter.

I also have a 35 calorie green juice from Clean Juice nearly every morning.

To lose the rest of the weight (the other 16 pounds or 6.9% of the weight) I'm relying on what I call Broccoli Mondays. This is an alternative to a 24 hour fast, due to wanting to workout that day. I eat as much steamed broccoli with lemon as I want until 5pm. This is 12 hours from the time I wake up. At 5pm I'll eat a full 1000 calorie meal (equivalent 2 two of my prepped meals).

Important to note, that the first month of doing the meal prepping I was hungry all the time. This is why healthy snacking is critical. After a month, the continuous hunger went away. I've always loved to eat, so eating less was a struggle at the beginning. My advice is to go all in for a month and watch the results. After a month decide if you want to continue. I'm 99% confident this will work for nearly everyone.

Once I reach a morning weight of 200 pounds. Morning weight is weighing yourself first thing in the morning when you wake up and haven't had anything to eat or drink yet.

Further Context of Why I decided to lose the weight:

I went to a consult with a surgeon concerning my umbilical hernia on July 27, 2022. Surgeon stated my hernia was small at the moment and could wait for probably another 5+ years before it would have to be removed. But, that I was obese at 6'2" and 230 pounds. He was concerned that mesh used to repair the hernia would tear at my current weight. He advised I lose 30 pounds, but that the mesh should hold at a weight of around 215 pounds.

I've never been called obese in my whole life, so this news came as a shock. I've always been somewhat on the thin side. I swim 4-5 times a week and I'm 44 years old as of this post.

After my murderous thoughts, I explained to my doctor that I hadn't been 200 pounds since sophomore year of college. Getting back to 200 pounds seemed improbable. Now I know it's not only possible, but probable.

[gorillaflow-prostate]

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REFERENCES:

https://sites.google.com/view/gorillaflow-prostate/home

https://yourperformanceguide.blogspot.com/2021/09/acquire-gorilla-grip-on-prostate-health.html

https://groups.google.com/g/your-performance-guide/c/AtCj36u4XcM

https://docs.google.com/presentation/d/e/2PACX-1vRTReioAo88LXnO_hQgKdAkHib5SzfYxjErSe0sU3NxYRCso85KbFsHhPNe9-w2jWKVDFBGX96o3WaT/pub?start=false&loop=false&delayms=3000

[kerorira]

Travelling And Living In An RV

We have had a long time traveling in a recreational vehicle. We offered our house, most of our stuff and moved in an RV. We've traveled into a very great spots and created some really amazing friends. Check out exactly what we've heard relating to this ourselves and lifestyles in general.

We enjoy this particular life!

To be honest that there were instances whenever we ended upn't sure about travel in a RV. There are still times now and then -- they seem to become further and farther aside. Where we all wonder the mad option we left. But it just lasts for a very brief while and we return into being content and happy with your choice.

You Truly Don't want 75 percent of the stuff you think you want Whenever You Dwell in a Home

When we offered our 3000 square foot property we offered almost everything we'd like. I wasn't able to believe how lots of cups, plates, and wine-glasses we had! Who requirements 40 cups where did those all come out of. And of course all of the toys, games, clothes, and everything else you fill your house or apartment with. I am being completely truthful when I say we really have not overlooked it.

Surviving in a small space actually is easier to Handle

Yes that the RV becomes a tragedy as soon as the kids are taking part in , we are creating, food, etc... But it's wonderful how in an issue of 30 minutes it is all acquired with the next 30 minutes we could have the whole lot squeezed down and cleaned plus it'd only take just the following half an hour to complete some deep clean. At the home that is the amount of time I'd spend from our Kitchen cleaning. Oh wait that's correct our total RV is about the size of my previous kitchen area. Investigate article source for effective information regarding recreational vehicle travelling.

All of us want to stay better shape!

You know just how to move on vacation you always come house and then feel like you want another vacation out of the holiday to simply unwind figure what we in no way cease! Even the"trip" just continues. It really is not a vacation nevertheless the full procedure for proceeding, familiarizing yourself having a fresh location, and also encountering new things. Happens all the time! It's amazing but man we need certainly to maintain better shape to be able to maintain with this specific life our dogs, our dogs, dogs and also our children!

It isn't all Enjoyable and matches

There will be a great deal of tension affected in full-time RVing and perhaps not knowing where we have been likely to be keeping the following 30 days. You can not only say hello I shall wait and figure out that later. If you accomplish this you might perhaps not have someplace to remain a spot could possibly be reserved. So it's necessary to prepare beforehand! It is just a RV -- you now realize the expression: It's great to understand someone who has a boat. Since they have many dilemmas and are hard to retain. It really is almost the same thing with an RV. There is definitely some thing which has to become repaired or considered.

Camping is Expensive

You think travel in a RV seems economical also there are so many costs we don't have. Well which does work. However, have you looked up campground speeds recently?

You Much better like your Spouse and Kiddies

When travel in an RV, you spend a great deal of time together -- by that I mean 24/7 fifty two weeks from year! Lucky for all of us do all like one another. This really is never to express it is ideal because it is away out of it. But I really feel lucky to be able to spend this time together with them. The bond we're building using each alternative is fantastic and in itself is this a favorable of accomplishing exactly what we are doing.

Making buddies

We did not expect you'll make such great and great friends so fast into this lifestyle. Yes you can find more mad people like us out there traveling in an RV plus it's been great obtaining them connecting with them. You know just how fun it is to spend a weekend camping with your friends well figure what we have been able todo this for weeks on end.

[sirifaraway]

How Much Money Did You REALLY Make on Your Real Estate Investment?

Maybe you've heard this statement before? "I made a lot of money for this property - I bought this house for $200, 000 and I sold it for $300, 000". Perhaps you have had been in a conversation with someone and heard a story similar to this? Does $100, 000 sound like a good return on investment? This will depend on many factors. The example in this article will first focus on real estate used solely as an investment, but your guideline residence will also be examined this way if you are trying to figure how much cash you have made living in your house. How long did it actually take this specific person to make this money? If you bought a house for the purpose of $200, 000 and sold it for $300, 000 one year later, versus 20 years later, this makes a significant difference. Why? When looking at investment returns, you have to look at the span of time it took for you to achieve the return. This is valid because when looking at other investments, time as well as the come back itself will be the common yardsticks for comparison. If the rate increase of $100, 000 happened in one year, this is usually a 50% return in one year. Other investments might common 1% for cash, 2% for bonds, and 5% for stocks for that same time frame. If you made it $100, 000 in 20 years, this would mean 50% multiply over 20 years. If you do a simple linear calculation, that is second . 5% each year. Now, the bonds and stocks will be pretty attractive compared to this real estate investment. This is important given that most people hold on to real estate for a long time and forget how long it all took them to achieve the return that they received. Typically the numbers presented are usually only about the buy and sell price Does you notice that the only numbers mentioned in this example is the buy and sell prices? For most goods, these are the only prices which will matter when examining if you made money or not even. With real estate, this is not true. Why? Real estate has to be serviced, which is not the case for stocks, bonds, cash or almost every other paper based or contract based investment. Why does this unique matter? If you have ever lived in a house, you know that there are tools to pay, renovations to make, repairs to perform and taxes paying. If you were to buy a GIC at a bank, as well as bank said to you: "you will receive $100 through interest each month. However , to keep the GIC you need to pay off $20 a month for a maintenance fee. " Wouldn't the mean you would only make $80 per month, and not $100 per month? This same thinking applies to real estate. If you get a house as an investment, and you have to pay utilities, tax returns, renovation costs, mortgage interest, and repairs as well as charges to buy and sell the real estate, shouldn't these possibly be accounted for in your return? If you are renting the property, any rent collected would also add to your return. For anybody who is trying to rent a property, but it is vacant for few months, that 6 month period is not part of your returning. As an example related to the above, let's say the house was bought pertaining to $200, 000 and sold for $300, 000, also it took 5 years for this transaction. To actually buy the residential home, the legal fees, land transfer taxes, mortgage written agreement and real estate fees amounted to $1000, $3000, $500 and $5000 respectively. The total set up costs would be $9500 so far, which would be subtracted from the money you crafted, because it actually costs you $200, 000 PLUS $9500 to physically buy the house. Let's say now that you hired the house for $2000 per month, but you had mortgage prices of $600 per month in interest (note that the basic principle is not included in this figure because principle is your money you get in return). You also have property taxes of $250 each month and utilities of $500 per month. You are netting through $2000 - $250 - $500 per month or $1250 per month. With the mortgage interest deducted from this sum, you will have $1250 - $600 or $650 per month. This unique equates to $7800 per year in extra income. Since the house was initially rented for the entire 5 year period - this is a second $39, 000 in return. If for example , work had to be completed to get the house ready to rent, wouldn't this cost be part of the return as well? This is money that you have to spend, and it's only being used on this investment property. If it amount to $5000 for paint, landscaping and minor repairs, as well as come off of your investment return. If the roof needed to be fixed during that 5 year period, and you paid an alternative $5000 for that repair, the whole amount would be deducted within your return. People may argue that the roof will last yet another 25 years, which is true - but you only obtain the benefit of these repairs if you keep the house! If you market the house, you may receive the benefit of keeping the house well retained in a higher selling price, but it will also depend on how heated the real estate market is, what the local neighbourhood is similar to and other factors which are beyond your control and will come into execute only at the time that you are making the sale. This means because you have an additional $10, 000 deducted from your return. To sum up so far, the house profit generated was $100, 000. You will subtract $9500 in closing costs to buy the house, add $39000 in rental income less expenses, subtract $5000 just for minor repairs, and deduct a further $5000 for a big repair. This would leave you with $100, 000 - $9500 + $39, 000 - $5, 000 : $5, 000 = $119, 500. Since this contract took 5 years to complete, the $119, 500 could be spread over 5 years. This means that the return a year is $119, 500/5 years or about $23, nine hundred per year. Since the original price of the house is $200, 000, this means that you are making $23, 900/$200, 000 or with regards to 12% per year. This is a relatively good return, but whenever stocks are making 10% per year, this is fairly akin to what everyone else is getting. Would you have that impression checking only the original story: "I made a lot of money on this place - I bought this house for $200, 000 and even I sold it for $300, 000"? What About the time and effort in Managing the Real Estate Property? Consider the time you may be spending on your house. If you are a landlord, you will have to inspect your own home, make sure your tenants are paying you on time, seek tenants and do minor repairs. If you don't like going through these things, this is considered work and it will cost you in terms of effort you could be doing something else. How to account for this? Tabulate for how long it takes you to manage the real estate investment, and exponentially increase how many hours you spend by how much money you are making at the workplace - this would represent a substitute for what else you may be doing since you are already working in that job. If you commit 5 hours per month maintaining the house, and you make $20 per hour at your day job, this is an additional $100 phone in costs. This translates into $1200 per year in your instance. Note that with paper based investments like stocks not to mention bonds, there may also be time required to read the news, go along with how the stock market is doing and research for timing and also alternative investments. An underlying factor here is whether curbing real estate feels like a job or a hobby. If it feels like a job, the time should be treated like a job. It time spent is enjoyable and feels like a hobby, you will get many benefits that cannot be quantified and it will likely not bother you to spend an afternoon taking care of the property. If you spent time cleaning up the property or possibly moving things left on the property by previous users, this would all be included in your costs. The suggestion is that any money or resources you would have to expenditure for this property would be added to the costs and would impinge on the final return. Any extra money generated, like rent and / or credits would be added to the return. Another way to tell you this is: if I didn't own this investment property, would certainly I still be spending this money? If the answer is very little, this would be deducted from your return. If the answer is without a doubt yes, the cost would not be deducted. What about taxes? Taxation's have been left out of the calculation s so far, but should this is an investment property, there will be capital gains taxation's on the return generated. They may even be taxes within the rental income if it is deemed to be income, and all these numbers would get reduced. This is also not part of the story that people describe for their own real estate experience, however should consider this in your experience. If you borrow money, the eye is tax deductible for an investment property so the issue goes both ways. What about Leverage? It was assumed up to date that you are buying the house with cash, or you are accepting money and receiving it in return once the house was basically sold. There are calculations out there where people put the fraction of the price of the house as a down payment, borrow others and then buy and sell real estate. There are expenses similar to what was worked out above, but the base for the return calculation is much smaller sized, which makes the return much bigger. Going back to the tale in the first paragraph, you do not know if the person coppied money to buy the house or not. Most people don't take into account that as part of an investment return and don't tell you the fact that as part of their result. Let's say you would put down 10% from the value of the house when you buy it. This would equate to $200, 000 x 10% or $20, 000. Over the occasion that you borrow the money, you would be paying interest. Any rates involved in setting up the borrowed funds, like appraisal of your property, legal fees or bank fees would be the main financing costs. The interest paid would be part of your investment decision as well. If you borrow $180, 000 and the interest rate will be 4%, you are paying $7200 per year. Over 5 numerous years, this is $7200 x 5 or $36, 000. Should the cost to set up the loan was $3000 in total, the very amount of money that you invested would still be $20, 000. These prices to set up the loan and the interest charges would be taken from the return. Looking at the original example, if you have a gain or perhaps $100, 000 plus the adjustments, the total gain was $119, 500. If you subtract the costs of the leverage, you would have a very good net gain of $119, 500 - $3000 -- $36, 000 or $80, 500. If you were to be ahead and calculate the return on your investment, you would use a starting of $20, 000, and a gain of $80, 500. Since the time period to earn the return was 5 years, this would be $16, 100 per year. On this platform amount, the return would be 80. 5% per year. The number is much larger than what you had without the leverage - the only difference is that the money was borrowed in place of paid in cash. Once the house is sold, the bank have to be paid the $180, 000 that was lent, but the truth is get to keep the whole gain over and above that amount. Take advantage of can be good or bad depending on whether you produce or lose money. Leverage magnifies your gain and your decline. Since most real estate deals happen with borrowed dollars, be mindful of how these numbers get calculated. It may be the particular leverage that makes the return astounding, not the gain on the original investment using cash. If you see selling for real estate return calculations, be mindful of how much of these rewards are based on leverage versus the actual gain in the property its own matters. What if the Price of the House Goes Down? Yes, prices of properties can go down. In the long run, prices are said to move up invariably, but this is also true for stocks, bonds, and physical things as well. The reason why prices go up is not entirely because realty is a good investment - it is because inflation keeps rising, and since that happens the numbers will always get bigger. If you have a limited amount of something, and the number of dollars keeps rising, the amount of dollars available to buy each thing will get larger. That's why all investments will go up if you wait long ample and if the merits of the investment are still true over the long haul. If the price of the real estate property decline while you are holding the software, all of the expenses will still be there. This is why some people lose money on real estate. It may take 5 or 10 years for a property to get better in value once it begins to decline : so you have to be willing to wait about this long if you want typically the adage to be true. What if I Live in the House? Any time you live in the house, the wrinkle in the calculations is who some of the money you are paying is for expenses you would spend anyway. If you didn't buy a house and rented a condo, you would have to pay some equivalent in rent plus bills. You can take the difference between those couple of situations and this would be the money expended, and the return developed as well. Contrary to what a lot of people say, owning seriously isn't always better than renting - it depends on the circumstances as well as what is important to you. What you choose as a lifestyle is very important once deciding whether you have a house for the money or because you decide to live there. There will not be any taxes on a house hold that you live in compared to an investment property, which is a second important consideration. What if I Have a Business at Home? If you exist and run a business from home, this is even more advantageous to your account because you can write off expenses and reduce travelling time and other costs of going to work, while however retaining the income that the work generates. This would mostly make the expenses of owning a home cheaper for the reason that some of them are tax deducted, and the home make produce more income because it replaces location expenses. The idea of choosing your true self becomes more important here as your home life additionally your work life are being stationed in one place. If you can get issues with your home, this will have a larger effect on you. Realty is not a good or bad investment - it can be many of the above. The point of the article is that people misrepresent the things actually happens in real estate by leaving out specific information. It is usually losses and monthly expenses that are unnoticed in favour of the big gain made on the price. Most of aspects of the investment need to kept together to find out if at all really worth it for you to buy real estate.

[stileslady-blog1]

Enslaved Real Estate - Seven Figures Easily

I often convey to people that becoming a millionaire in the real estate business is an uncomplicated thing to accomplish. They usually give me a look for bewilderment. I say that you don't have to understand every aspect in real estate in order to begin investing. The best thing to do is as well as a basic buy-and-hold strategy purchasing whatever type of property you may be capable of buying with as little money down as possible. The way buy something with as little money down as possible is determined by your financial situation and what types of mortgages you're capable of being approved for. Since guidelines for mortgages and government treatment changes daily, it's impossible for me to tell you the obvious way to do that. I can tell you how I did it for years using the all-money-down technique I described earlier in the book. But I'm going to give you a quick refresher course below. If you bought $100, 000 house through conventional means, you may have to put 20 percent down is $20, 000 plus closing rates that will cost you approximately $3000. In this example, you fit $23, 000 down to buy $100, 000 investment real estate. Using the all-money-down technique, you would buy a $100, 000 building for cash putting all $100, 000 down as well as closing costs of $3000. At this point, you have $103, 000 down on the property and you begin to invest an additional $5000 to fix the property up. You now have a total of $108, 000 of your money into the property. You put the house and property up for rent and you find a good tenant, therefore now you're empty investment property is a business making profits and shows a profit. Now you go to the bank or investment company and you get the property appraised with the intention of doing any cash-out refinance. Because you fixed up the property and it's a fabulous money-making business, the property appraises for $114, 000. The financial institution is willing to lend you an 80 percent property loan on the $114, 000 appraisal giving you a mortgage of $91, 200. You originally put down $103, 000 and been given back a mortgage for $91, 200 making your out-of-pocket costs $11, 800. When using the all-money-down technique as compared to the purchase of a property through conventional methods, you save $11, 180. Now of course, you're going to have a higher mortgage and less money flow coming from the property, but you're also going to experience $11, 200 to buy the next property with. Sometimes typically the homes you buy are going to cost you $10, 000 to buy; other sorts of times you're going to break even on the deal. You might sometimes be lucky enough to actually get paid to buy a house, which has manifested to me once or twice. The goal was simply to just continue to keep buying as many properties as possible until you build up a selection worth millions of dollars. You will make a profit from the cash flow, but most probably that's going to go back and do things like repairs and vacancies in all the other issues that come up with real estate. If you do end up banks and loans $10, 000 during the year from the cash flow of your properties, there is your down money to buy an additional property and even expand your portfolio further. I have constantly repeated are actually not going to find the cash flow to be something of remarkable value to you. The cash flow will help pay for the necessary matters and give you down money for future deals, but also in the end you will work hard for very little money. The surprise will come when you've ridden the cycle as a result of bottom to top and created a gap amongst the portfolio's value and the amount of mortgages that you owe for those building. Accruing equity in your buildings, you will slowly learn to see your net worth increasing as the years start on. For example let's just say you bought one property one year for five years valued at $100, 000 a home. Since the five years that you bought the properties, worth have gone up somewhat and the mortgages have gone down, additionally your net worth is the equity in between. As you begin to look at this throughout your investing career, especially when the market will be on the rise, it can be an exciting time. Your expectations should be to exist off of the income from your job while the profit from the nightly rental property business is used to fuel its needs. You can usually get to a point somewhere when a real conflict will develop between your current career and your real estate investments. It's very hard to be in two places at once, and ultimately it will begin to catch up with you. For me this conflict was easily reconciled since I only wanted to be doing real estate anyway, and yet if you love your day job and you plan to continue it by means of your life, you're going to have to make some tough decisions. You could potentially keep your day job, but someone is going to have to jog your portfolio. I maintain that getting a seven-figure netting worth in equity strictly in your real estate holdings isn't that difficult to do. I recommend you join real estate investment clubs not to mention read as many books as you possibly can. As you begin to make investments, you will discover friends in the businesses that relate to your industry which includes people in the mortgage business. I recommend that you associate with plenty of of these people as possible so that your knowledge of the industry expands a lot. A friend of mine who's an intelligent guy took a handful of this advice and began moving quickly. In his first of all year, I think he bought two properties, but through his second year he was already doing $300, 000 flips and buying multiunit investment properties with a partner that she has. First of all, I'm not a big fan of collaboration for the deal size he was doing, and subsequently, I think he was growing a little too fast. If the person didn't have a job, I wouldn't have a problem with the rate of his growth, but because he had a well-paying job, I cautioned him not to move too swift. The second half of 2009 was a rough year just for him as his $300, 000 flip was not reselling, and he's already had to do two evictions. Lugging the mortgage and his $300, 000 flip was basically expensive and was already causing some tension in the partnership. It's not going to be all fun and games; because your portfolio grows, your problems grow with it as well as workload grows. Another thing I can say about the issues from the real estate business is that they seem to come in waves. If I owned dozens of homes, I would go six months whereby I wouldn't need to change a doorknob and then out of the blue all hell would break loose. I'd be managing an eviction, two vacancies, and apartments that were demolished. When it rains it pours in the real estate business enterprise; at least that's the way it worked out for me. I remember in two separate occasions during the summertime one year followed by a subsequent summer a year later I was bombarded with all issues. In this business, you can't let a vacant place sit and wait because you're losing money every day it is far from rented. The process of getting it renovated and re-rented will be highest importance. As bad as I make it sound, It is my opinion you'll find it all to be worth it in the end. It seems that no matter how much cash I made, I have learned in my career I never ever really save. As you earn more money, your lifestyle increases and you will upgrade your homes and cars to the point where your own bills go right along with your salary. The real estate enterprise is almost like a bank account you really can't touch easily with out selling a building, so it continues to grow and feed off from itself. It's a terrific feeling when you realize that your $550, 000 portfolio experienced a 10 percent increase in character in the last year and you're up an additional $55, 000. I'm using the same principles today in the commercial arena selecting larger buildings with similar strategies. I can't buy a $3 million building with the technique, but there are many other things that may be worked out in the commercial world. Nowadays I use strategies that focus on complex negotiations with the sellers where I convince the crooks to carry paper or lease option the building. I'm also able to borrow money from banks for commercial investments presenting the bank that piece of real estate I am buying as security as well as existing pieces of real estate as collateral. I label it redundant collateralization and am seeing more and more of computer every day from banks. If you can go from broke for you to seven figures in one real estate cycle as I've proposed easily making yourself $1 million during your first housing cycle, then just imagine what you can do in your second real estate menstrual cycle. I plan to be carrying a real estate portfolio using the value north of $10 million and have that past record under my control before the real estate market begins to show any specific gains. I expect the gains will begin to show sometime all-around 2013 or later. Can you imagine if you're holding an important $10 million portfolio and the real estate market goes up a meager five percentage points? It doesn't matter how much money I made who year in income because as long as I can keep the business afloat I am up half a million cash in equity in one year. If I'm ever fortunate to see the crazy increases that we saw in 2005, can you imagine what it will feel like to see a 20 percent increase in values in one year when you're sustaining a portfolio worth eight figures? "Far better it will be to dare mighty things, to win glorious triumphs even though checkered by failure, than to rank through those poor spirits who neither enjoy nor suffer from much because they live in the gray twilight that recognizes neither victory nor defeat. " Theodore Roosevelt Let me dream about holding a portfolio worth $12 million after the market goes up 20 percent giving me a one-year tax free gain of $2, 400, 000. I feel that this is a realistic expectation for my second circuit of the real estate business. In the year 2025, I will be sixty years old. I feel certain that if I continue to just do exactly what I've been doing my whole life, I surely should have the net worth of many millions of dollars strictly for my real estate property holdings. I know of no other way to make money through these types of numbers as easily as I do in the properties business. I don't deny that other people have the means to make this kind of money or even more, but I am not familiar with the methods. I consider myself an expert on real estate, and also I certainly feel as some of the things I'm speaking about here will happen to me as long as I'm lucky enough to still be breathing when 2025 rolls around. This is why I love the estate business, and this is why I'm pumped every day so you can get out and keep it going because I can notice my future is filled with bright and sunny months. I feel terrific about getting up in the morning and going to perform, and when you have that kind of attitude, there's no way you possibly can fail. This morning I woke up at 5: 33 a. m. and went to my office building to reorganize some equipment in our communication room. I'm spending numerous afternoon hours on a Sunday working on my book plus feeling great about my possibilities. If you love what you achieve, you will be much happier and much more successful at whatever you try out. I don't even consider the things that I did this morning or perhaps writing this book as work in the regular technique people think of it. Obviously, it is work that Now i'm doing, but I don't have a negative feeling about the the word work or what it entails. I get a great sense of accomplishment from getting up in the morning and building things that happen furthering along my career each day on baby steps toward the ultimate goal of massive huge selection accumulation. I hope that some of you reading this book will probably really grasp the things I'm talking about above. I feel specifically the most important message in the entire book. Here's an idea you might want to think about after you buy your first property. Make sure that you take some time when you have bought it to really analyze what's going to be involved in being a realty landlord. If you like it or even love it, let's get the blowout started, and if you don't get out right now. If you're going to commence in the business just for the money but despise dealing with tenants as well as working on buildings, you really have to be careful and reconsider the things you're about to do. This business is not for wimps, also it takes a heck of a lot of guts to be a real estate real estate investor. To get to the level that I have achieved, you may have to take 1 / 2 your net worth and roll the dice regarding some large commercial building risking the twenty years regarding hard work on one deal. Until you go through that process, I could never truly explain to you what that will feel like. My name is Phil, and I'm addicted to real estate.

[jakegf]

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[americanhomerescuelove-blog]

House Flipper Speaks - Ode to the Cat House

We are in the final stages of renovating a nice brick home. This home is on a cul-de-sac in a nice, established neighborhood in our town. I just wanted to pause and extol the virtues of this cathouse and so many like it that we fix and sell.

Now get your minds out of the gutter - I am singing the praises of the humble house cat and its fanatical owners and defenders everywhere.

I'm sure that many of you have seen "Flip this House" and the glamour of buying and selling homes for a large profit. It's what I do every day, but I want to tell you the rest of the story...

The owners of the "Cathouse" owned seven cats and three dogs and let them have the run of the house. The litter box was a pair of urine soaked piles of towels on the floor. They were covered with old and new cat and dog excrement. The occupants moved out and left us enough stuff (junk) to fill three, huge 20-yard construction dumpsters. We carried out everything from beds and bed linens to couches, a TV and books. We also swept and vacuumed up enough pet hair to fill a couple of trash bags.

The house was in reasonably good shape on the inside (no major repairs), except for cat hair and the all-pervasive smell of cat urine. One of the things that the TV probably won't tell you is that one of the biggest reasons for buying a house cheaply is that the owners have let their pets ruin it on the inside.

People who will live in this kind of mess often run into financial issues and then they can't afford to fix up the property and put it for sale. When I walk into a prospective seller's house and I am hit with the stink of pets I know that I will probably buy this house for 50-60% of its possible market value. In the case of the current cathouse, I figured a low-to-medium finished market value and then offered 70% because no major repairs were needed.

Here is the anatomy of the deal.

Finished Value of the 1600 sq. ft house - $96,000 to $104,000.

My offer - accepted at $67,000.

Bank loan based on work to be done - $76,800.

We received funds for renovation of $9800 at closing.

Renovation needed - Outside painted (house and garage), soffits repaired and some wood replaced. The roof was re-shingled; we spent 3 days of cutting back trees and overgrowth. The entry door light and the light above the stove were replaced. We installed new living room carpet. We mopped the floors with soap twice, vinegar once and bleach water once. Then we had the house professionally cleaned. It was at this point that we finally got the pet smell out. The entire inside of the house was repainted in antique white. The hardwood floors have been sanded and stained and are waiting to be varnished. The large deck on the rear of the house had some bad wood, which was replaced and will be painted as soon as weather permits.

We also replaced the overhead garage door with a new steel one. The final piece of the puzzle is to install four foundation piers to stabilize the south end of the house in two places. One is in and I will resume working on the rest when it stops raining.

Total renovation costs will be about $13,000, mostly for labor. Materials on this project were around $3000.

The house will shortly be put for sale at a price point of $99,700. The sale creates a potential profit of nearly $20,000.

The Moral of the Cathouse??? - Pets in the house = profits in Steve and Jodi's pocket.

Now before I get a bunch of hate mail let me say that I have nothing against pets. We have a dog and have had cats, chickens, guineas and even raised a couple of pigs. People who house train their pets and send them out to go potty or let them live outside will have no problems with pet odor.

For more information click here https://www.american-home-rescue.com

Details

Company Name: American Home Rescue Address: 20002 Villa Palazzo Yorba Linda, California 92886 Phone Number: (714) 745-9523 Google Map URL: https://goo.gl/maps/dZWc98i1mQ9MgdEX7

[g5b3ysjw-blog]

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How can i get Health insurance?

How can i get Health insurance?

Hey looking for advise on how i should go about getting health insurance. I m 18 turning 19 in March my father is passed away and i live with my mother we recently moved to Arizona I m from Massachusetts i knew about mass health but never had to deal with anything due to always being insured by my mother and fathers works. Looking for what i should do Also i do not have a job as of right now I m looking for health insurance so that if i get hurt while doing things such as snowboarding an break a bone or something i don t have to pay a 12,000 bill when i have no money Thank you for any help

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[steffensen54steffensen-blog]

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[thenewfuture]

{Cyber Anon}

Oh, there's must've been some level of misunderstanding and miscommunication. Allow me to clarify a few things, Kazuichi.

First off, the equipment itself isn't illegal. It's been on the general market for a good bit, about a year or two from what could be found. It has been used in multiple different industries, ranging from automotive repair to advanced robotics, so the legality is completely fine.

While yes, the delivery service isn't an official or completely legal channel of distribution, there are a multitude of reports showing them to being highly effective. The grey market did grow quite a bit, even after the Foundation moved in to re-establish modern society. In fact, the group has a special "buyer anonymity " fee, making so that any record of personal information is redacted and later destroyed, which is why the total cost was close to 3000 dollars.

However, I still should've asked for your opinion, and for that, I apologize for my mistake.

Another rule of thumb, if you have to use not so legal methods to deliver it, like the Yakuza, I don’t want it either…

And I know you only wanted to help so I shouldn’t have so much at you, and I’m sorry…But still…

[letsimportanttreecollection-blog]

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Hi can i drive a car with full uk license but on provissional license insurance as i passed my test in additon i am 17 yrs old the reason of that is because the cheapest insurance for full uk license with my dad as 1st driver was 2.5grand.

Range Rover Sport Car Insurcnce... Is 6k too much?

My mum and dad's combined cost of car insurance on their Range rover sport HSE TDV6 (2.7litre) is around 1200. My dad rang up his insurance broker to get a quote on putting me as a named driver, and we got a quote of a total of about 6,000 per year. I know this is a lot of money, however the insurance company says this is because the car is in bracket 19. I was led to believe by my Land Rover dealer that the TDV6 model was in group 14/15, where it was the Supercharged 4.4litre model which was in group 18/19. Is this quote too much for the model car specified? Given i am 20 years old, having held my lisence for around 3 years with no motoring convictions against my name, and having also been a named driver for the best part of 3 years on a Ford Focus. Is it about right? Or is it slightly higher than one would expect for the car. Many Thanks""

""Howmuch would a110, 000 $ home insurance cost?""

Howmuch would a110, 000 $ home insurance cost?""

Can I add my girlfriend to my life insurance?

Can I add my girlfriend to my life insurance?

Auto insurance and Car payments?

I am looking to buy a 4x4 truck or mini suv of some sort ranging from $3000 to $7000. I know this is a hard thing to answer but if anyone can give me some tips and rough estimates that would be great! Im 19 years old, I have 3 credit cards all payed on time and a cellphone contract. I have a 600 something credit score and I am wondering how much a car payment would be without a co-signer? Also what is up with insurance companies? They want to charge me $300 to $400 dollars a month on any car year make or model monthly without even checking my back round...Is there some place where I can get cheaper rates? I cant afford that crap. Any help is appreciated, thanks!""

California state medical insurance?

I have to have my gallbladder removed and i want to know how long did you have to wait to have the surgery done? I am in Merced, County if that helps.""

Health Insurance in US?

I would like to know if health insurance is mandatory in some states of the US.

How much does it cost for auto insurance for a 16 year old??/?

How much does it cost for auto insurance for a 16 year old??/?

Different ways to lower insurance cost. could i have my boyfriend insure my car for me?

Please, if you're not 100% sure don't answer,, it's confusing. Anyways, i recently financed a vehicle, 06 Taurus, and the insurance is killing, nearly higher than the car note! ($314 a month). & now that I'm pregnant i need to save $. My boyfriend doesn't have a car or license, but is there any way he could get insurance under his name & then add my car? Or any other work a rounds? Btw, I'm willing to fix his license if that's an issue. I'm 23, He's 29. I live in what's considered to be more dangerous city than he does. Also, he has less moving violations than me. So a policy for him maybe be anywhere from 40-60% cheaper than mines.""

Are auto insurance premiums negotiable?

They want me to pay the same rate I've been paying the last two years. Is the company/industry open to negotiating thru its phone agents? Anyone have success or is this company too big to do that sort of thing?

A question about car insurance and modifying?

Okay, lets say you own a car, lets call this car A. You pay a car insurance company to insure you car. You hand over the required information and all that, and the car is stock when you insured it. Lets say you put a turbo, or intercooler, or new rims, or anything really, but you DONT mention it to the insurance company. Then you get into a car crash. What does the insurance company insure? The whole car with the non-insured parts? The whole car with only the stock parts (which was exactly what you payed for every month)? Or they insure nothing?""

How much does insurance cost for a teenage driver?

So the car would be a scion frs I'm a guy....it's a coupe and with which company would it cost the least I live in Orange County california

What's the average cost of maintenance of a recreational aircraft (piper archer III)?

How much you would have to pay annually to maintain a hobby like this one. Including fuel, hangar, insurance, etc.""

Benefits of life insurance?

long term benefits of life insurance

California motorcycle/moped laws?

Hello, I'm moving to california from florida in a month to start college, and I intend to sell my car here and get a moped or a motorcycle over there instead to save a little money. I don't know the laws on motorcycles there? i know in florida if its less than 50cc you don't need a motorcycle license or insurance. what about california? if you need insurance how much $/year are we talking? I don't know squat about motorcycles and I've never even rode one or understood the whole gears thing. if someone could recommend a few brands or even whether to get a motorcycle or a moped/scooter (is there a diff?) i have a tight budget (1-1.5K) any advice would be awesome!!!! <3""

New Munich Minnesota Cheap car insurance quotes zip 56356

New Munich Minnesota Cheap car insurance quotes zip 56356

Can i change my insurance payments?

I basically just cancelled my insurance after 12 days of having it because the company messed me about, so im waiting for my 1000 refund. But need to buy new insurance now! But don't have the money, found a quote with Swinton but the question is could i just put that i want to pay monthly and pay the small deposit then call them in a few days and pay the rest off for they year? Or would they not let me etc....Please help :(""

Unemployment Insurance for Teenagers?

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.""

When buying a phone online can you get phone insurance?

so i have insurance on my phone now through sprint and if i buy a phone online like ebay or something and switch it can i keep the insurance of the new phone?

How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?

I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""

Why is insurance so high for me?

Me and my friend are the same age (17) and we were looking at quotes for motorcycle insurance and his was less than 1000 and mine was about 1000- 2000 why is that and what sort of things bring insurance costs up?

Is there a difference between homeowner's insurance and mortgage insurance?

Is there a difference between homeowner's insurance and mortgage insurance?

Insurance Broker Question?

On average how much does an insurance broker make in california? Or how much just a well rounded guess nationwide it does not matter... When an insurance broker gets commision from a company for helping them get more customers...around how much percentage does he cut from the company?

Looking to buy insurance?

I am a small business owner. My business right now is very small, but we are looking to expand quite soon. We are a livery cab service and looking to get insurance quotes. We are located in Queens and would prefer to deal with Queens Brokerages. Please help!""

How much for insurance on a Scion Tc? Does it get good MPG?

I am looking into getting a Scion Tc, I went to the dealer to look at the car and the sales man said that insurance will be a lot for a new scion. But he didn't know how much. I am 18, female, I will have my license for almost 2 years(by the time I get a new car), I have no tickets and have never been pulled over by a cop. And I live in California (if that makes a difference) Instead of getting a brand new Scion I am looking into a used one. A 2006 or 2007. I have Wawanesa car insurance. So does anyone know how much it would be a month? Oh, and from someone who has a Scion Tc, does it get good gas millage? It will be a deal breaker for me if it doesn't.""

Drive like a girl insurance help?

Im due to take my driving test next month (all goes well) and my parents are VERY keen to get the cheapest insurance quote possible (they are arabs, they will find it.. lol) Anyway I have recently discovered the 'drive like a girl' insurance company and after reading through it decided it looked really good. as I haven't got my full license yet I cant get a quote from them, so for anyone who has insurance with them- could you please give me a price estimate?! I live in a good area just outside of London so im lucky with my quotes. I have an X Reg Ford Ka and most of my quotes have been around 2000 but I have had one at 1600 and another at 1795. Both of those were without telematics box which is why im looking at one now. I cant have one with time restrictions- mainly because I sometimes work until 11 at night and I also care for my sick brother who may need to be driven to the hospital in the middle of the night (would this matter?) Thanks guys for taking the time to read and answer this question.""

Is it legal for some1 with an International driver license to drive an insured car in California?

The car is mine and the car is insured under my name only. Will my cousin get in trouble if she drives my insured car even though her name is not included in the auto insurance policy? Or will it be okay?

Should I be paying for car insurance? I don't have a car because I was in an accident.?

I was in an accident back in November and my car was totaled. The claim just closed a few days ago because they finally paid our medical bills and everything. Should we have to pay for car insurance right now? We still haven't purchased a vehicle because we didn't get much for our car. How do we handle this?

Help with life insurance?

My husband apply a life insurance for me without my knowing for $150,000 dollars. I came from other country and I was shocked because as if my husband wants to kill me and just married me for life insurance. One day a nurse came to our house and get blood and urine test and asked my husband what's that for, he lied to me he told me that was only needed for his work and for my health insurance. I was just wandering, after few days I received a letter from Veteran's Insurance that my beneficiary when I died is my husband for 150,000 dollars, I called right away the insurance company and disconnect it. My question is, is there anyway that my husband can apply me again for life insurance without my knowing? I don't want him to become the beneficiary. Can I make a last will and testament that when something happen to me my beneficiary are my parents? What will I do to do this step?""

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

Driving w/ no insurance?

i was driving my dad's car to the movies one night and got into a car accident. I don't have insurance on the car because its my dads, but i do have insurance on my car is it possible to get my insurance to cover the accident?""

Insurance claims car was stolen but police report doesn't?

my car was hit about 5 months ago and the police report was filed. i received my copy of the police report and it doesn't state the car was stolen. now my insurance company is claiming, 5 months later, that the car that hit me was stolen. can this happen? how do i know the insurance company isn't making this up so that they wont pay me back for my deductible? thanks!""

What is best landlord insurance policy or company?

what is best landlord insurance policy or company?

What price would insurance be for a Scion?

What would an insurance quote for a Scion xB be? ... for a Scion tC?

Car insurance.......?

hey guys, i was just wondering how much car insurance would be for me. i am 20 years old and just recently starting driving and when i say recently i mean like today haha!. but anyones i DO know that to get a real SET price i would have to call and get a quote but i was hoping to here from some of yall about how much YOU pay each month, how old you are and what kind of car you drive, just to get an ideal of how much its going to be for me ya know? thanks for the help""

How much is insurance for a 16 years old camry 1997 yahoo?

i live in california, and we have 4 drivers in my family and we pay 700, 1 way, how much will i pay im 16 and i will be getting a camry 1997""

Can a dealership sell you a car without car insurance?

I bought a car, thinking I had car insurance, and I want out. I didn't put any money down, yet i signed the paperwork and drove off the lot with the car. I brought back the same day, but of course they didn't take it back. Can they hold me to the loan if i didnt have car insurance and i have no job? I am only 19 and want a way out.""

Do I need to buy auto insurance when I rent a car?

I presently have comprehensive insurance on my own car

""On average, how much will my insurance cost?""

I'm 17 and female. on average how much do you think my insurance would cost on a 1.2L corsa 2003 model, with a black box fitted? Also would it be cheaper if i put the insurance in my dads name (9 years no claims) and me as a named driver? I'm struggling to find quotes as i haven't passed my test yet, just wondering whether it's worth buying this car thanks in advance BQ: do you know of any cars which are fairly cheap for teenagers to insure?""

Auto insurance settlement offer too low?

We were in an accident in September, my 4 y/o son and i went to see a chiropractor and i also seen a physical therapist a few times, (i actually still have pain from time to time in ...show more""

Health insurance cards?

I need the template for a state farm health insurance card or the information, thanks""

New Munich Minnesota Cheap car insurance quotes zip 56356

New Munich Minnesota Cheap car insurance quotes zip 56356

17 year old male car insurance? UK?

What is the cheapest anyone my age (17) has got their car insurance, what car and how did you get it cheap? The best quote I have got is 1200 for a 1.0 litre saxo, and 1700 for 1.0 litre polo's, corsa's and fiesta's""

What's the best life insurance?

This question is for my mom. My mom is 63 years old and needs life insurance. She is in great condition. Never smoked or done drugs. She never drinks alcohol. The only thing really is that she has been told she is borderline diabetic. My mom doesn't have a lot of money so she would like to find an insurance that is very cheap. Her job will be ending in July an will only have her disability to live off of. So what's the best life insurance?

If I get a ford mustang (2000-2006) and get put on my grandmothers insurance would it be cheaper?

I heard it would be cheaper to have me on her insurance because she's older and has a clean record. And I'm pretty sure it varies by state. I live I'm SC

Switching car insurance?

I live in North Carolina, and I got insurance when I lived in south carolina under state farm for 160. When I moved back to be with my family, I was searching for car insurance for North Carolina and found Geico with 60 a month. I didn't notify state farm of the change in insurance, and I am currently insured under Geico. I'm wondering if my license could potentially be suspended or I have something on my record about it, even though I did not have a lapse in coverage, I did not notify the other insurance company. Any info would be greatly appreciated!!""

How can i get car insurance that i can afford?

im 17 and have just learned to drive and in all fairness i am insulted by the car insurance quotes i have received . in order for me to get my moneys worth out of the insurance quotes i have received i would have to rite my car off 13 times ! can anyone help me get my insurance down , or have any advice on a company who will insure me without me having to sell my organs !""

Ive had my car insurance for a year with no claims.?

now i want to switch insurance company as new one is much cheaper. can i get a letter / email from the old one saying that ive had no claims during the year??

Car Insurance for Young Drivers; How much do you pay? (UK)?

I'm planning on getting a car later this year just after I've passed my test (I'm 17). I just want a small, cheap car- something like a Ford Ka or an old Vauxhall Corsa. I just wondered if anyone's got a good cheap deal cos it looks like it's going to cost me loads.""

I need cheaper car insurance.?

Alright, so right now, I have progressive car insurance and I pay about $190 a month. I'm 19, 20 in August. Have had my license for one year. no tickets, no accidents. old cheap car. I just want PLPD insurance that isn't so expensive. I've been told I'm paying too much. I've tried getting quotes from many insurance companies online. The insurace I have now is the cheapest I can find. I have my own policy.I 'm all on my own. Does anyone know where I could get cheaper insurance?""

Use Medisave to Buy a Life Insurance?

Use Medisave to Buy a Life Insurance! Is this a wise choice?

How do the payment work if a bunch of people are being sued by a auto insurance company?

1 insurance company is suing another insurance company, and 6 people. If the 1 insurance company wins how do they split of the amount sued for? If they do at all... I need answers please""

Is Progressive a good insurance company?

My mom seems to think it's not based on what she heard almost 10 years ago. We currently have Allstate which is costing us $265/mo whereas Progressive could cost us $171/mo. IDK why she won't even try it

""Dealt with car accident outside of insurance company, how can I chase up the receipt?""

On Christmas Day I went out in the car to pick up some drinks from the petrol station and on the way out of the station I bumped someones car. I stopped and got out to give them my details (name, address and phone number) and then went home. In the panic of the moment I think I just wanted to get home as it was Christmas Day and I didn't hang around to take photos, ask for witnesses or discuss options with the other driver, which in hindsight I regret and realise was stupid. When I got home, the guy called me up and, again with the stupid mistakes, I said that I would rather settle outside of insurance; the driver wasn't keen on the idea at first and wanted to settle through the insurance company but I couldn't call them until the next week as they were closed for Christmas. He texted me the next day saying that he was going to get a quote from a garage and got back to me later with a quote for 400 through a 'friend of a friend's garage'. At this point I was a bit suspicious and the amount seemed very high for what I thought was not a lot of damage but at the same time he said that he either wanted to do it like that or through the insurance and I really didn't want to loose my no-claims discount as insurance for young male drivers is very high without the no-claims. In the end I decided to pay him, not without a certain bitterness owing to the fact that he was pressuring me for an immediate decision, which also made me suspicious. Having sent the cheque for 400, he kept up communications initially and let me know that he'd received it. He said that he would send me a copy of the receipt from the garage for my records but once he received the cheque I never heard back and now cannot get a reply. Bit long-winded for a question but that's the background story, my question is two-fold: 1. Can I do anything about it? It's more the principle than the money that bothers me, I know that I caused damage to his car but I now suspect it wasn't as much as he claimed. 2. Does 400 sound like too much or should I stop worrying about it? I hit the back corner of his car with the back corner of mine, and he later told me that I had cracked the rear bumper, which needed replacing. I'm not sure of the make of the car but I think it may have been a Ford Fiesta or something similar. I would really appreciate any help as it's weighing on my mind... I don't like people walking over me. At least if the amount he claimed sounds reasonable I can put it down to him being a wanker but the amount claimed being fair and forget about the whole thing.""

Where can i get cheap car insurance? (i'm 19)?

Im 19 and own a Vauxhall Corsa 1.2 and im looking for cheap car insurance. ive tried a few websites and its coming out over 5k for the year, something a LOT less will ok, if anyone can tell me a few good companies or quotes that i can use? thanks""

How much would extra would i pay for another car on my policy?

I currently own 2 cars and am looking to buy another one. It is a 99 crown vic police int P71. I dont want collision or anything extra, i want the lowest insurance policy that i can get. Im taking that, that would be a liability only policy, am i correct? If not what kind of policy do i ask for? Also, how much more a month would this cost? No one will steal it because its a former cop car, but you couldnt tell and i doubt i will reck it.""

Do you have to pay insurance for the driver or the car?

my friends keeps telling me her parents wont let her get he license because it is 2,000 dollars a year to have a licence, for like insurance. Don't you only have to pay for a car? like if she was to not own a car and just borrow her parents when needed would she still have to pay insurance? I am so confused haha""

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

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

Where to get online insurance quotes for health?

Where to get online insurance quotes for health? I should compare plans from major insurance company.

Can car insurance companies check if you drive another car ?

if you get a car insurance quote and you say you have access to another car in your information is there any way they can check ? I have just renewed my car insurance and noticed that it was cheaper when i said i had regular use of another car. The thing is i do have use of my brothers car but im not an actual name driver on the insurance. My brothers car is fully comprehensive and thinks that anyone can drive the vehicle. Is this true ? i dont get how my insurance company are going to catch me out if im driving my brothers car without any mention of my name on his insurance

Health insurance for seniors?

My parents are seniors now and my father doesnt work anymore but he owns a restaurant so he cant apply for Medicare.. Does anyone know how and where I can find a affordable insurance that I can have for them. They need to apply for health insurance asap because both of them have diabetes Please help me!

Insurance on a supersport motorcycles is that much higher?

So I'm planning on getting a 600cc supersport soon, and I was looking at insurance rates. The choice package at progressive was $350 for my current 2006 ninja 250. (19m, car driver 3 years, 9 months on bike) and when I try to get a quote for a 600cc bike the price jumps up to $1200 for a bike of the same year (r6), and $1400 for a gixxer. At the same time, it's $450 for a ninja 650r. Are these prices suppose to be right? What's going on?""

Will my insurance go up if i get a traffic ticket for failing to stop at a stop sign?

what if i just pay the bill will my insurance go up? the thing is just this dec 6 2011 they added two new stop signs in a 4 way intersection before, if you were going north or south you didnt have to stop, and only the people going west and east had to stop its been several months since i passed by there and i just zoomed thru the stop sign and obviously violated the law. i bet im not the only one thats been stopped there im in california btw""

NY DMV - Are you supposed to buy car insurance first or register the car?

The DMV's web site says that I need proof of insurance to register my new (used) car. At the same time Progressive wont sell me insurance because the car does not seem to be owned by me. Any help guys?

Car Insurance help No claims bonus?

Ok so i passed my test last month and have been driving about 3 weeks. i got an insurance quote with Aviva for 1800 per year (roughly) and im an 18 year old male, however because i had a provisional license for a year my dad thought i had 1 year NCB so told aviva this. They now want proof of my NCB (which i obviously don't have) so i will have to tell them. But my quotes are about 4500 without any no claims bonus !!!! and i drive a Y reg 1.2 fiesta ghia! is there anyway i can get this premium down? please help! i'd be really grateful!""

When you do not have car insurance in California then ONLY IF YOU GET CAUGHT?

by someone it's a problem right, or is it a problem as soon as your car insurance stops for example, only if someone who does not have car insurance gets into an accident then everyone is wondering about it right, or if you had car insurance and could not afford the bills anymore do they tell DMV and then you're in trouble immediately""

I need cheap car insurance in New York City?

I need cheap (FULL) coverage for a financed vehicle in the NEw York Area...I've tried the popular sites...any leads?

New Munich Minnesota Cheap car insurance quotes zip 56356

New Munich Minnesota Cheap car insurance quotes zip 56356

Car Insurance in England question?

If I am insured but I drive another car (included on policy) but that car is not insured by owner will ANPR pick up car has no insurance and do I commit offense? And if I am not insured but drive a car that is insured by owner does it come up on ANPR as being insured and therefore I wont get caught? Is the driver insured or the car???

Buying car insurance?

I've got my driving test in September and thinking about buying a car if I pass. I'm just a bit confused about how to buy a car and car insurance. Do I need to look around for a car I like, get all the details of the car, buy insurance for that car, then actually buy the car, in that order? Also are new cars or older cars cheaper to insure? I think it's newer cars but I'm not sure. Also what is a good car for cheaper insurance. I've heard Ford and Vauxhall are good for cheap insurance. I've been on price comparison sites and it seems that even if I have pass plus and just third party cover 2k per year is a minimum :( Thanks.""

Medical/health Insurance for H1b and H4 visa holder?

What is the best medical/health insurance ?Is dental,vision and pre natal included? What are HMO/PPO plan?What do i need to know about it? need some input. pls suggest. thanks =)""

How much does THIRD PARTY CAR INSURANCE cost in New Zealeand?

How much does THIRD PARTY CAR INSURANCE cost in New Zealeand?

""I'm looking for an honest, good life insurance company. Anyone with experiences on this?""

Single mother with mortgage, a older teen and young adult, good health so far? I am looking to cover anything that would have to be paid in the event of my death.""

Do i need to add my wife under my car insurance?

Allstate is my car insurance

Maternity Insurance?

Does any one know of a good insurance for maternity. I have been trying to concieve for a year and 8 months with no luck. It is time to visit a doctor. But I think it is better for me to get insurance since fertility treatments are expensive. Which insurance would you go with?

US car insurance rates?

I'm in the market for a midsized or compact car. I'm looking into purchasing a Honda, Toyota, or Mazda brand vehical. I'd like to know which of these cars has a lower insurance rate. (If it helps, I live in the midwest and have a good driving record.)""

Need advice: Parked car hit - Car has no insurance?

Ok, so last night my friends car was hit by a driver who fell asleep. the car was in front of our house and pushed 40ft and his flipped over. Both cars totaled. He has insurance, but my friends that was parked and hit, does not. Will this be an issue for her, or will his insurance be paying for everything since he was 100% at fault? Please help!""

How to get into a new Car Insurance?

About 1.5 yrs back my wife scratched another car while parking. The claim was settled using insurance. The expense was about $1500. Ever since that the insurance company, AAA, has been increasing our premiums by abt $35 on every renewal. Now I cannot switch or shop with other insurance company since they give quotes much higher than this company. But apart from this one incident we do not have anything else on our record. Also I get discount for Home+Auto insurance. The company increased prices on our Home Insurance too. I am badly stuck with this company now. I would like to buy Auto+home from one company itself. But I really cannot move my Auto Insurance. Please give suggestions.""

Car Insurance?

In Massachusetts what do you think a 16 year old driver would pay for these cars for insurance? 1998 Mitsubishi 3000GT VR 4 >100k miles 1998 Audi A4 1.8 Turbo 4 cyl 100K miles 2001 Ford Taurus SEL v6 40K miles 1999 VW Passat V6 5 speed 95k miles Thanks

Does a written warning affect your driver's insurance in Massachusetts?

I just got a written warning tonight in MA. I have a couple of questions, does it affect my insurance (I heard that it does not increase my insurance, but my insurance company is notified and my rates for next year will not decrease, is that true?). Also, how long does it stay on record? Much Thanks!""

Are there any auto insurance companies who dont penalize or raise rates based on a lapse in coverage?

I have gone uninsured for over a few months in Iowa due to being dead broke & am looking into getting coverage again....are there any companies that offer lower penalties than most or no penalties at all? Can an insurance company even check for themselves if you have had previous coverage or do they just rely on your word? If so....tempting lol. Also are there any other options im not thinking of? Any suggestions welcome...Thanks in advance! :)

How can I get Cheaper Auto Insurance?

I'm looking to buy a 03-06 Mitsubishi Evolution was wondering if it is possible to get cheaper insurance? My Father owns a Business can we classify it as a business Vehicle? I'll be 18 when i buy it. I can afford the payments, Just not insuracne, lol""

Car accident and insurance procedures?

I got into a car accident yesterday. I wasn't at fault for the accident, and I know my car is totaled. I was wondering how the whole thing will go down with the insurance and what the process is going to be. I filed a claim with my insurance co. and am waiting for them to call me up. I was wondering if the other person's insurance has to pay for my car and what not. I am also wondering if there will be any consolation since the other driver was dui.""

Insurance and pregnancy...

I am planning to get pregnant in March, 2009. After working things out with my husband, it seems like the best time for us Anyway, my insurance policy will finish in August and I'll have to get new insurance (I won't be able to continue with my current insurance policy for reasons beyond the scope of this question). Will this cause me problems with the new insurance company (I still don't know what insurance I am going to purchase)? Will the NOT cover my pregnancy and delivery and consider it a pre-existing condition? What's your advice? We really don't want to postpone pregnancy any more and now is not the best time for us""

Alternative ways to insure a car?

Im 17 and looking for car insurance someone told me that you can insure it by giving some company a certain amount of money around 15k and then at the end of the year they would give u it back, however if you were to claim, the cost would come out of the money you gave, is this true and anyone know what its called if it is? ty""

Car insurance in new york?

hey guys, I'd like to know what would be the ballpark for insurance. I'm 24 years old and have had my driver's license since 2003 and never have had parking violations, points taken off my license or any type of moving tickets. I'm looking to buy a 96-00 civic and would like to know around how much I would be quoted""

Whats the cheapest car insurance for a 16 y/o boy?

I'm getting my liscense soon and we have allstate and its expensive as hell! I live in texas and i dont plan on buying a sports car so how much would my insurance be you think and where should i go for cheap insurance?

What is the best car in group 16 insurance?

I have been offered a company car at work and can go up to group 16 insurance. I do a lot of miles but would like a sporty responsive feel. Thinking about a Cooper S or dare I say it one of the pokey diesels..! Any suggestions.....?

How much is the normal rate for the instant car insurance quote for drivers between 18 and 25 ?

Hello i am interested to know how much the average car insurance cost would be for young drivers between 18 and 25 years. can anyone help me please?

Looking for health Insurance options in the State of Washington.?

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[assetz-soho-and-sky]

Fruitful Reasons to Invest or Make your Dream Home at Assetz Soho and Sky, Jakkur Main Road Bangalore

Don’t Hassle on searching, listings and hitting New Launch Apartments in North Bangalore anymore. Save yourself tons of time by identifying exactly what you need and want in a home using our Assetz Soho & Sky Project customization checklist.

You are exactly where you need to be and know you are surrounded by nature themed Apartments unlike urban projects in the city.

so it’s time to start with your pick and choose requirement, or your dream home shall stall rapidly if you don’t know what that “dream” looks like.

It’s easy to debate in generalities about wanting a “big” house or with an old Bangalore Ambiance. But in order to better target your conscious, you must think specifically about your dream dwelling. Will your “big” house 3BHK be 2,400 square feet or minimum 2BHK of 1400 square feet?

Your Search Ends here & Now!

Assetz Soho and Sky invites you to visit Luxury Apartments Located Off Hennur Road, 20 minutes approximate to Kempegowda International Airport, Bangalore. sit down and make a list of your needs and wants — and yes, those are two different things. You may want a full automation homes, but you probably could live without it. (Plus, it’s worth considering that having full automation could raise your apartments landing costs.)

We Understand that your requirements list will likely change as you learn more about Total Environment. Proximity to Major Infrastructure may start as a priority, for example, but once you see the size of Living Terrance to your Master Bedroom and Living Room you can get in your price range, you may decide effective immediately, that this is where you want to stay forever. Unless you have an unlimited budget, You shall fall in Uber Luxury Segment of

Use the suggestions and questions below to figure out what you like and don’t like about your current home, so you can find more comfort and pleasure in in that Quiet Earth Apartments. Then, make time to rank specific home features as “Must Have,” “Like to Have” or “Don’t Care” using this printable checklist.

Know your finances Knowing your finances in order before searching for your dream home can make all the difference in a competitive market. Determining your budget and how much financial wiggle room you have can help put your must-haves more clearly into view. Ask yourself:

Are you pre-approved for a loan Eligibility? What’s your Maximum price range? How much do you have saved for a down payment for 10% initial Booking? What about future repairs? Are you willing to do expensive Interior or Soho and Sky Team shall Handle your needs? Consider your current lifestyle and plan for the future.

You may have a picture-perfect home in mind, or you may not know where to even start when it comes to imagining your future place to live. It may help to first consider your basic needs and non-negotiables in a home. Begin by considering where you live now — what are your favorite things about your Dream home, and what do you need to change to better stay? Think about whether:

You need space for a future nursery or a home office? Assetz Soho Sky Apartments will have 3.5 BHK about 2400 square feet.

You need any special features for your pets like a fenced-in yard, we have just the dedicated space for you You need wheelchair access or a ramp to your basement for handicapped, you shall see it often You need a space for visitor carpark? you shall find plenty Walkability is important to you, entire periphery of 37 acres is designed for walking and jogging tracks You plan on changing jobs in the next 1–2 years, Major MNCs are shifting towards North bangalore giving jobs at KIADB Aerospace Park of 3000 acres, Prestige Tech Cloud, Total Environment Workcation, Embassy knowledge Park, Manyata Tech Park

Pick your preferred home style and type — we are customizable Once you have the basics figured out, it can help lay the groundwork for deciding what feature you want in your living vicinity. Always opt different types of apartments in the market of your decided neighborhoods during your home shopping and schedule your visit to Soho and Sky Apartments in Jakkur, You will Have all your answers

Do you prefer Green just outside your Homes or also inside your apartments?

Which Part of Bangalore do you want to live in? Assetz Soho and Sky Homes are developed in north, south, east and west! Do you want easy access to highways or public transportation? How important is the view from your Living Courtyard/Balcony? Can you sleep easily with traffic noise or you want to complete avoid the nuisance? Do you want to be involved in community activities with having state of Art Amenities and Multi storey Clubhouse? Are there parks within walking or biking distance? Get to know the neighborhood

Now i Think you’ve found the perfect home in the perfect area. But then again Before buying, it’s still always a good idea to explore the neighborhood and ask yourself the following

◉ You are Happy with your neighborhood ◉ Enough activities and Amenities around you ◉ Easy Commute to all Major infrastructures including Hospitals, Schools, Tec Parks, Entertainment.

Document all these in one place and book your dream home at Soho and Sky by Assetz Group Now it’s time to take you to brief Property tour,

Now that you have the feel for the home and everything you may have left off of your list. Remember, that was just the initial impression there is yet to explore everything, so schedule your site visit at the earliest and let us know about your plans.

[cmr2018socialaccountsposts-blog]

So you decided to buy a house. Out of all life’s decisions that you may take, buying a house would be one of the most complex and unnerving ones. While buying a property, the one thing that you cannot overdo is research. So before jumping right in, why don’t you go through our comprehensive guide to buying a property?

Valuate your decision

Since buying a house is probably the largest investment that you’ll make, it will not hurt to think twice. What will your lifestyle be after a few years? Do you have job security of more than 12 months? High job security will present you as a low-risk candidate to the lender. Are you planning to have kids? You should be aware that each dependent will reduce your borrowing amount by $50,000 to $ 60,000. Will you stick around in the new place for at least the next 5-6 years to build up sufficient equity? If not, then it’s better to wait or rethink.

What is your budget?

This amount will vary according to the lender you choose and many of them offer online calculators to evaluate your borrowing limit. You can also hire a mortgage broker who will advise you on the amount that you can expect from lenders based on your income, assets, debts, expenses, dependants etc. You could apply for a copy of your credit file to review your financial status. Try to minimize your debts and reduce the limit on your credit cards. This will help you to secure a higher amount. If you have bad credit then you may have to contact lenders who specialize in bad credit loans.

It is advisable to come up with a 20% deposit to avoid paying lender’s mortgage insured. Though there are low deposit mortgages available, the mortgage insurance will be much higher.

Costs Involved

An accountant or lender will let you know of the actual costs that you will incur. Here is a list of expected costs:

i) Stamp duty – Amount will vary depending on the state you want to live in and the purchase value of the property

ii) Legal charges – Depending upon the legal work involved often amounting $2000-$3000.

iii) Loan application fees – Depends upon the lender. For foreign applicants, this may be up to 4% of the loan amount.

iv) FIRB approval fees – for temporary residents or foreign investors with no Australian visa ( Not applicable to residents)

v) Building and pest inspection fees

vi) Lender’s Mortgage insurance

vii) Building insurance

viii) Other costs such as utilities, moving costs, council rates, mortgage protection insurance, repairs, and maintenance – approximately 0.5% of the total property value.

Location research

Buying a home is an emotional process. However, it is important to stay focused till the final settlement. Listing down your priorities will help you focus on them. Following are some of the questions that you should ask to determine your must-haves:

What is your priority in choosing a location? The location should be a balance between your requirements and lifestyle choices. Would you like to live in some business area or regional area? Would you like to live close to your workplace? Are there good schools around your home? Is public transport easily available?

You may feel staggered by the huge amount of information that you’ll have to digest before making a location-specific choice. But due perseverance will help you make the right choice. It is always better to make a conscious and well-informed choice rather than a hasty one and then regretting it later.

Property Type

You should have a rough idea of the size of the house that you are going to purchase. How many bedrooms and extra rooms like- nursery, study room, guest room will you need?

Do you want a house or unit?

Probing Mortgages and Interest Rates

What kind of interest rates would you prefer? Fixed or variable? A fixed interest rate will enable you to know exactly the amount of repayments. If there are chances of interest rates falling in the near future, then it’s better to go for a variable interest rate. Ideally, you will want a home loan with a lower interest rate. This will help to maximize savings. There are many competitive loan features in the market that help to save money. Does your lender offer free redraw facilities?

An all-in-one loan or 100% offset account will help if you have surplus disposable income.

Getting Approved

i) Pre-approval – This means that the lender will approve your loan when you find the property you want to purchase.

ii) Conditional approval – The lender will verify your documents and perform checks on your income and documents.

iii) Full approval – Once the deposit is paid, you will sign a binding contract with the lender

Inspections

Since you have so many expenses to handle while buying a house it is likely that you will be tempted to skip building inspections. Believe us, this would be a grave mistake. There are many defective structures out there and you don’t want to end up with one of those. Following are some inspections that you will have to carry out.

Building inspections(for houses), Strata inspection (for units)

Pest inspection

Electrical inspection

Checks on whether the fittings and structures that come with the house (carpets, furniture) are in good working condition.

These inspections are likely to cost you about $200-$600 each. So it’s better to get them done only if you are going to buy a particular house. Else, you can check for damages or repair works yourself.

Check the walls and ceiling for cracks or moulds

Test the doors and windows for any repairs

Check under the sinks for any defects in the plumbing system

Have a quick look at the neighborhood, whether it suits you well.

These checks will help you to make a final decision whether you can adjust the repair costs in the purchase price or drop the deal and look for something better.

How are you planning to buy your property?

In Australia, you can buy your property through private treaty or auction. When the property owner fixes a price and the real estate agent negotiates the price with potential buyers – it is a private treaty. When the buyers come together at a fixed location and time and bid for the property – it is an auction. The highest bidder gets the house provided he has 10% of the property price available for a deposit.

You have to be cautious while making an offer. Don’t lowball to less 10% of the asking price else you may miss out on the deal altogether. It’s always advisable to verbally inform the real estate agent about your offer.

Settlement

It is now time to exchange contracts. It is better to have a solicitor or conveyancer to have a look at the contract documents before exchange of contracts. Once you are satisfied with the contract details, you can pay the deposit. Then you’ll have a cooling off period of 6 weeks before settlement day (not applicable if the sale is made by auction). During this time you can arrange finances and get the building insured. Finally, settlement day had arrived!! You will now have to pay the balance purchase price and stamp duty and get the property transferred to your name.

Now, you have a place to call your own- your home !! Cherish this moment because you’ve earned it !! The house is now ready for occupation. You may have made some grave mistakes along the way. But that’s fine. You have come a long way and learned a lot about the property market. After all, life is about making mistakes and learning from them.