#but you can’t afford to move out because rent in your state is unaffordable
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No one wants me!!! This town only contains old straight people!!! Aahhhh I hate it here!!!!
#put a finger down if#you live in a small town surrounded#by old retired people with to much privilege#and everyone of them has weird old person social rules that you don’t understand#and your breaking at least 20 of them by being queer#so no matter how much you try they look at you differently than they do each other#and everyone is fake polite and the whole place has the uncanny valley effect#because it’s like some creepy suburban hell#and they all see you as a freak#and you can’t be yourself because you already feel constantly judged#and it’s slowly driving you insane#but you can’t afford to move out because rent in your state is unaffordable#🙃🙃🙃🙃🙃#tw rant#rant tw#I swear these people are apart of some kind of suburban cult and they’re going to sacrifice me to the hoa in exchange for more red wine#my post
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LEMONADE
I have often considered myself beautiful and attractive; but not on days like this. Welcome to the real-world Olly.
I’d always been excited about NYSC because it was my only way out from my father’s house. I’ll have the opportunity to move to a different state—far from Lagos —and gain a great level of independence. Really, that was all I wanted, and at the beginning, it seemed like a perfect plan.
On the 8th of January 2019, at about 7am, I got what was long coming—the official end of my already dead relationship. If I’m being honest, I’d seen it coming from a mile away. So when it finally happened, I didn’t even know how to react. There was just complete uncertainty and it literally sent chills down my spine. The 8th of January was also the day I was leaving for Abuja, to start my NYSC —the next and exciting chapter in my life. Sadly, the dream of going through this phase of life with a partner to share it all with, was now nothing but shards of a beautiful glass. I got on a plane to Abuja that evening and convinced myself that I was going to be alright, I’m a strong woman after all. But honestly, I wasn’t even close to it. And one thing I was sure of is: no matter how much you try to hide your feelings and lie to everyone that you are okay, YOU JUST CAN’T LIE TO YOURSELF.
The 9th of January 2019 was initially dedicated to rounding up my NYSC registration, but everything took a wrong turn when my phone got stolen. I rushed to the Airtel office to get my sim disabled, but they said that they couldn’t do it unless I swore an affidavit. Can things just get any worse? Yes, it just began.
On the 10th of January 2019, I went to the court to get a sworn affidavit. Before going there, I withdrew 3k, just in case I need to pay for whatever was required. But little did I know it was a wrong move. After I got my affidavit, I followed my friend to Jos — I had planned to do this for a while—I needed somewhere to cool off. You know, blow off some steam. I love Jos for one particular reason: cheap and beautiful nails! It's crazy how affordable it is compared to other parts of Nigeria and I really wanted to do my nail. Like I said, blowing off some steam.
The next morning, I arrived at the salon and of course, I picked the best style. I had N2,200 with me, and the total of my nails cost N2,400. So, I told the nail artist that I had only N2,200 cash that I didn’t want to spend my entire cash at hand. I also made her understand that I’d have transferred to her, but I couldn’t send money because I had no phone. To ease her worry, I told her to hold on to my purse and N2,000 of the total amount I had; I was going to get a keke ride to the ATM to withdraw some cash. When I got to the ATM, I made the request to be dispensed N3,000 and the response was “insufficient funds”. I was confused. I made a second request for N1,000 and it said the same thing. Now, in the midst of strangers I was about to just lose it. I decided to check the total of what was in my account and I saw N4. Wait what! Four naira? It’s a joke right? Everything I felt that day is like a scar in my skin right now, because as I type these words, I feel the rush all over. Anyway, I put myself together and went home. Basically, I had no relationship, no phone and no money—all within 3 days. Wondering if I didn’t pay for those nails? Well, thankfully, I did. My friend helped me pay the rest for the nails. God bless you Emily. My trip back to Abuja that Sunday was a reflective one. And the worst part was I felt that I deserved every single thing that happened to me. Did I?
I indulged in a couple of dates afterwards: to remind or convince myself that I could still be desired by men; anything to find value in an empty space. I was broken, but tried my best to keep working— it’s how I have been programmed to act, since I was a girl. On days like this, I didn’t feel beautiful. I felt stuck, like there was a bottomless pit of lacking that I desperately wanted to fill. I didn’t feel smart and I didn’t trust anyone.
My ex came to Abuja, (we had reconnected a couple weeks before he arrived) so I had my hopes up that things were going to get a lot better. But it didn't. Infact, I had never felt that disrespected in my life, I felt so little and helpless. “Certain things happen for things to get better”- Olly. Hold on to that quote because I sure didn’t. I know that if I did, my emotions would have been more defined to make me stronger not to break me down.
“It’s time to move out of (my ex’s friend’s) house” my ex told me before he left for Lagos. To avoid further humiliations and belittling, and to keep my boss babe rep, I told him that I had a place to stay. But I didn’t. I had no single idea where I was going to stay. That Sunday when he left, I decided that I was going to call a couple people and if push comes to shove, I will rent my own place. The push came to shove and I started pulling funds—from my parents and my brother really. I raised enough money just for the house rent. The cost of ordinary foam to sleep on was yet unaffordable. I was so sad, continuously asking myself if coming to Abuja was the best option for me.
On a special Wednesday, I had to leave the house that I was staying in, after having packed all my things in less than 15 minutes. By exactly 9:56pm, I entered my cab with my luggage, on the move in the middle of the night looking for where I could rest my head. Now, I had a couple options, unfortunately, 99% of them wanted to sleep with me, but my 1% was Diamond. She did a lot for me throughout my early stay in Abuja. She was my go-to girl and of course she had my back on days like this. I stayed with her for about five days but had to leave. I had already spent more than N30,000 in search for a house and I still did not have one. I was frustrated and desperate to find a house and I did. You know that phrase “do not make any decision when you are desperate’, I didn’t follow it. I paid for a bad house that I would have spent more than N200,000 to renovate before even buying my bed. I lost N40,000, and because I was losing so much money and wanted a way out, I lost an additional N120,000. At this point, I still didn’t have a house. What is my next step? I thought. I felt no love and zero trust in anyone. Like no one!
MY LIGHT AT THE END OF THE TUNNEL
People always use the phrase “though trouble lasts all night, joy comes in the morning”. I got a phone call on a very special Sunday night. It was my mum telling me that it only gets better, and I am to move into Justice’s house. What?! For real? Everything since then has been sweet and smooth. The end is pretty amazing. I am still looking for the guy that’ll sweep me off my feet, make me feel safe and loved. I am quite happy; and for the first time in a long time, things are finally working out for me. I am still healing, I mean, it takes time, but I am healing. There are parts of this story that weren't typed in this article, but if you ask me out and buy me a drink after this lockdown, I might consider telling you the juicy, intimate details.
I went through most of this without Jesus; I always forget that He is a constant. He was meant to be my constant not anyone else.
Cheers to happiness.
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I’m upset. And that’s not new, we’ve all been upset at the state of America for years and years and years. Each new passing year feels like the worst state our union has been in. But I think I finally placed my finger on why.
I think its because, at its root, I love America.
I love the things that make America itself, pushing aside the government. I love the communities and the gatherings and the friendliness. The willingness to put yourself aside for your neighbor. Nice old ladies that feed starving college students. Coworkers that give you a ride when your car’s in the shop. Teachers that organize extra events for their classes. I love the places where the melting pot of culture is the most compatible, and you can get amazing food from any cuisine ordered out, or go and sit in a cramped little restaurant that has all the love in the world sticking under that dated wallpaper.
I love America for its people on the working level. Maybe that’s because it’s the only version of America I’ve ever lived in. But I am so thoroughly charmed by the kind people who live here, the sort that are kind recklessly.
And I think that’s why I’m so fucking upset that I cant be proud of us. I think that’s why I hate the government so much. I think that’s why I’m so disillusioned with those in power. I look around me to see my working class brethren with dress shoes on their necks. I look around to see my local school under shooter threats by dangerous people with access to assault weaponry. I look around to see trans people, kids and older, afraid that they will never be given the option to be who they are. I look around and see women terrified to carry a baby they never asked for to term, a baby that will not be able to eat because the cost of living has risen but our wages stagnate. I see more and more of us on the streets, while unaffordable houses stand empty and pristine, waiting for the day that the rich folk decide that moving out here is the next new trend. I see folks head out to the armed forces, convinced that they’re going to fight to keep America from falling under worse management, only to be sent out on a politician’s whim to die over some oil in the middle east, or return changed.
The working class that makes this country beautiful are being choked out forcefully under nothing short of billionaire greed. Our children die because the gun market is too profitable, because our schools can’t afford to feed them, because health care costs more than a year’s wage. Our families die on the streets, or shot by the cops that we’re told will protect us, or live in poverty as gas and food and rent leave them without a penny to pinch. Our communities die because the libraries lie abandoned, the spaces for hanging out are bought up by corporate restaurant chains, art is pushed to the wayside. Things the government could assist in, if only they gave a shit about us men on the ground.
I wish I could believe that it’ll all get better soon, once we vote in better officials that can see the truth of things. I wish I could believe that with all the methods for communication we have, that we could open a dialogue and inspire some human understanding. I’m not sure I can. And that’s why I’m upset.
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Meet the candidates running for mayor of Inglewood
With the impending arrival of a Metro train, the most expensive NFL stadium in history, and a massive retail and housing development that will rise around the flashy venue, Inglewood is among one of the most dramatically changing neighborhoods in Los Angeles.
Mayor since 2011, James Butts, a retired police chief, has shepherded many of those changes. As the Daily Breeze and Los Angeles Times have reported: Butts’ colleagues on the Inglewood City Council rarely if ever dissent from his plans for Inglewood.
And the changes don’t stop there. Butts and other city officials are negotiating with the Clippers to build an NBA near the future home of the Los Angeles Rams and Chargers. These additions, Butts says, aren’t just about making Inglewood a destination.
“Before, people in Inglewood had to leave town to get unique services and high-end retail. They won’t have to do that anymore,” he told The Planning Report in July. “In fact, people from other towns will be coming here to spend their money—resulting in more tax dollars for the city, which will result in more police, more firefighters, and better library and recreation services for our children.”
But Butts is up for re-election on November 6, and he faces challenges from four residents vying for the post. It’s an influential gig. Inglewood’s charter defines the mayor as the city’s “chief executive,” and there’s a sizable salary to match: Butts collected $111,303 last year, plus benefits).
One of the candidates, Marc Little, has a formidable amount of money to spend on his campaign. Campaign finance disclosure forms show the attorney has amassed $686,500 in donations, a small fortune in a race for elected office in a city with a population of 110,600.
The bulk of those campaign contributions comes from Madison Square Garden, owner of the entertainment venue The Forum. In March, MSG sued Butts, accusing him and other city officials of pressuring the company to back out of a lease agreement for 15 acres of land and secretly negotiating with the Clippers to build the NBA arena there.
That’s not the only controversy that has swirled around Butts. At a City Council meeting in June, he told an activist to “go choke yourself.” (The comment was captured on cell phone video, but appears to have been clipped from the official video of the meeting posted by the city, according to the Daily Breeze.)
Earlier this month, the LA Times reported that Butts paid $680,000 for an Inglewood home owned by the mother of a public affairs consultant who routinely works for the city, including on the NFL and Clippers projects.
Ethical questions aside, what’s bound to be top of mind for many residents in this election is the skyrocketing cost of housing and displacement. As developer interest in Inglewood climbs, so do real estate prices.
Here, the mayoral candidates answer six questions about the impact of development on Inglewood and the city’s affordability problem. The responses have been fact-checked and edited for length and clarity.
Mohamed Ben Amor
What is the most pressing issue facing Inglewood?
Housing, school conditions, street paving, crime, drugs, safety, transportation, healthcare and homelessness.
How do you plan to extend the economic benefits of the new NFL stadium to Inglewood residents?
This has to be decided by the residents of Inglewood. By looking into the taxation system and what is allocated to the city and where it is spent.
Some residents oppose building a Clippers arena in Inglewood, claiming the stadium will further escalate the cost of housing in the area. Mayor James Butts, on the other hand, says it would make Inglewood a destination. Do you support bringing a NBA arena in Inglewood?
No. If it is going to cause problems for the Inglewood residents, only the Inglewood residents can decide that. We keep forgetting that the mayor is elected by people and he has to follow what the people ask him to do.
The city is promoting large-scale development projects that will bring new business to Inglewood. What solutions do you propose to keep long-standing, small businesses in the area?
Again this the decision of the residents of Inglewood, not the city only.
Inglewood rents have increased by about 37 percent since 2012. The median rent for a one-bedroom is now $2,600, according to Zillow, making rent unaffordable for Inglewood’s low-income residents. What’s your plan to drive down the cost of renting in Inglewood? Is rent control an option?
To try to build affordable housing for the poor people. I have many ideas which will be put in effect if I become mayor. One example is to use federal or state land to build with help from the Department of Housing and Urban Development, the Federal Housing Administration, and the Department of Veteran Affairs.
The state Department of Housing and Community Development says Inglewood needs to add 567 units of housing affordable to residents earning very low to moderate incomes by 2021. Since 2013, none of these units have been built in the city. How would you create more affordable housing in the city?
This is the same answer I just gave above. By using federal or state land or private donors to build affordable housing. Like in Europe, with subsidizing the rent in the beginning.
James Butts
What is the most pressing issue facing Inglewood?
The management of our success, making sure all of our mass transit options match our development, ensuring our development partners follow through with the goals of the development agreement for 35 percent local hire, to continue to push our unemployment rate down, and to continue our eighth consecutive year of the lowest crime rates in the history of the city. [Note: The city’s crime rate has fluctuated from 2010 to 2017, and the number of overall crimes and the overall crime rate were up between 2016 and 2017.]
Also to figure out what we as a city can do to assist the school district in returning to our local school board’s control. I intend to work with the state senator and our assembly people to pass a bill to forgive the $55 million loan that was made to the district based upon the anticipated property tax [revenue] that will be generated by the Clippers project.
How do you plan to extend the economic benefits of the new NFL stadium to Inglewood residents?
There will be [thousands of construction and permanent] jobs created from the time this process started for seven years out. And we also have a hard-to-hire provision for people that have been incarcerated, served their time, and are seeking employment.
Right now we have a 40 or 50 people working with the iron workers that are making $50 to $90 an hour with benefits working on the project now. So these jobs, although they are defined durations, they provide the incumbents with the skill set to continue on with the companies as the companies move to other jobs. So these are not entry-level jobs, these are good-paying construction jobs that allow residents to gain skills that they did not have before to continue on with employment.
Some residents oppose building a Clippers arena in Inglewood, claiming the stadium will further escalate the cost of housing in the area. Mayor James Butts, on the other hand, says it would make Inglewood a destination. Do you support bringing a NBA arena in Inglewood?
There are only two community groups, IRATE and Uplift Inglewood, that oppose the Clippers arena. [Note: Two community groups have filed lawsuits over the project.] The voices against the arena are minuscule compared to our population.
The Clippers arena will generate property tax, sales tax, and ticket tax revenue that the city lost when the Lakers departed for the Staples Center, and it’s being built on land that can’t be used for anything that is not aircraft noise compatible, because it was purchased with FAA grant money. This development hits that criteria and will bring revenue from land that has generated nothing for the last 20 to 30 years. [Note: Some of this land does generate property tax revenue.]
Inglewood has always lagged behind neighboring cities and the county in property value bounce back. Since the end of 2012, property values have gone up about 125 percent. We are proud that the residents of Inglewood are finally receiving the same benefits from owning their property that residents do in other parts of the county.
The city is promoting large-scale development projects that will bring new business to Inglewood. What solutions do you propose to keep long-standing, small businesses in the area?
The stadium entertainment district itself will contain businesses and is bordered by Crenshaw and Century boulevards and Pincay and 11th avenues, so it’s going to have a certain genre of businesses that are there that are compatible with high-scale sports entertainment. We’re still going to have Market Street, which is going to be across from the new Metro station.
Inglewood rents have increased by about 37 percent since 2012. The median rent for a one-bedroom is now $2,600, according to Zillow, making rent unaffordable for Inglewood’s low-income residents. What’s your plan to drive down the cost of renting in Inglewood? Is rent control an option?
The average rent in Inglewood is lower than anywhere in Los Angeles and in the state of California. [Note: The median cost of rent in Inglewood is lower than the median cost countywide and statewide. There are neighborhoods, however, in both California and LA where the median price of rent is cheaper.]
Secondly, we have more affordable housing units in Inglewood than anywhere in the South Bay per capita or in whole numbers, and we’re continuing to produce more affordable housing units than anywhere in the South Bay. [Note: From 2013 to the end of 2016, Inglewood did not build any affordable housing, while the city of Hawthorne, another South Bay city, issued permits for 161 affordable units. Inglewood did produce 619 units in the three years leading up to 2013.]
There was an attempt to get an initiative on the ballot for rent control, but they did not garner the signatures required. I support landlords getting a fair return for their properties, but not gouging tenants. I would support rent control where it’s proven that one investor or investors are buying properties with the sole purpose of evacuating tenants and raising rents. But I would totally support rent control if we receive evidence that investors are coming and just clearing out properties. We’re not going to tolerate that.
The state Department of Housing and Community Development says Inglewood needs to add 567 units of housing affordable to residents earning very low to moderate incomes by 2021. Since 2013, none of these units have been built in the city at all. How would you create more affordable housing in the city?
We have 221 housing units slated to go in on the old Cadillac site between Market Street and La Brea Avenue. Of those, 5 to 8 percent is going to be affordable housing. We are in partnership with the county for 100 units that will go in across from the Fairview heights station and 50 of those units will be affordable. We have PATH Villas on Lime Street and that has 40 affordable units.
We’re working on a deal now between Thomas Safran and Associates and the Clippers organization for a possible development on Beach Avenue near Hyde Park. It’s all very preliminary right now, but it would be about 90 units, probably about 40 of them affordable.
Marc Little
Little did not complete the survey, but his campaign website says he supports requiring apartment developers to include affordable units in their projects and the repeal of Costa Hawkins.
Brandon George Myers
What is the most pressing issue facing Inglewood?
The most pressing issue facing the city of Inglewood at this time would be the increase of rent.
The NFL stadium under construction in Inglewood.
By Cassiohabib / Shutterstock
How do you plan to extend the economic benefits of the new NFL stadium to Inglewood residents?
I plan to extend the economic benefits of the new NFL stadium to Inglewood residents by reverting the tax revenue back to our schools, small local businesses and homeowners.
Some residents oppose building a Clippers arena in Inglewood, claiming the stadium will further escalate the cost of housing in the area. Mayor James Butts, on the other hand, says it would make Inglewood a destination. Do you support bringing a NBA arena in Inglewood?
The city of Inglewood is immersed in culture, diversity, and opportunity which makes it not only a destination city but a model to surrounding cities as well. I believe that without community involvement, proper assessment, consideration of environmental risks, and other cited issues, there is no clear path to support or oppose this matter.
The city is promoting large-scale development projects that will bring new business to Inglewood. What solutions do you propose to keep long-standing, small businesses in the area?
In 2004, the city voted against a Walmart being constructed in the city. This is a great example of both the inclusion of community and the need to ensure small businesses stay. As mayor, I will ensure that zoning regulation guidelines are fair and lucrative for the residents of our city.
Inglewood rents have increased by about 37 percent since 2012. The median rent for a one-bedroom is now $2,600, according to Zillow, making rent unaffordable for Inglewood’s low-income residents. What’s your plan to drive down the cost of renting in Inglewood? Is rent control an option?
The plan to drive down the cost of renting in Inglewood consists of focusing on stabilizing the median rental cost in an effort to make prices more affordable for Inglewood’s low-income residents. Yes, rent control is an option.
The state Department of Housing and Community Development says Inglewood needs to add 567 units of housing affordable to residents earning very low to moderate incomes by 2021. Since 2013, none of these units have been built. How would you create more affordable housing in the city?
Unfortunately, our current administration has chosen to neglect the fact that it is impossible to build out poverty and homelessness. With only three years left to fulfill this obligation, we need to begin focusing on new lands to be used for this project. Community inclusion is a must.
Joseph Soto
What is the most pressing issue facing Inglewood?
As a lifetime resident of Inglewood, I believe that the key issue that drives all other issues is the neglect of our residents by the current administration. In 2016, the average salary and benefits for the top 100 employees in Inglewood exceeded $300,000 whereas the median household income was [just] below $45,000. [Note: In 2017, the average salary and cost of health benefits for the 100 highest paid employees, including the Inglewood Police Department, was $267,357; benefit costs excluded, the average wage for the 100 highest earners was $188,500.]
Ask yourself, is it really serving our community to have city workers earn over six times what the average taxpayer earns?
This is money that should be invested into community recreation centers, small business grants, improving the quality of our roads, paying the city’s electricity bills on time, finding numerous other ways to assist our residents, as well as creating a community integration program that ensures everyone can feel at home, feel safe, and thrive in Inglewood.
Metro’s Crenshaw Line under construction in Inglewood.
By Liz Kuball
How do you plan to extend the economic benefits of the new NFL stadium to Inglewood residents?
By working with the NFL teams to create sports programs for our children, to ensure that more kids participate in sports, and to use sports as a way to combat drug use and crime in Inglewood. I will work to ensure that the city decides what type of development is needed, maximizing the benefits to the people of Inglewood.
According to Forbes, last year all NFL teams turned a hefty profit, and the average profit was $95 million. We love having two NFL teams in Inglewood, but that is no reason that a city near bankruptcy should be on the hook for public developments promoted by multi-billion-dollar football teams, when that money could assist our renters, small businesses, property owners and schools.
Some residents oppose building a Clippers arena in Inglewood, claiming the stadium will further escalate the cost of housing in the area. Mayor James Butts, on the other hand, says it would make Inglewood a destination. Do you support bringing a NBA arena in Inglewood?
As a small business owner, I support an honest and fair business policy. LA Superior Court Judge Broadbelt ruled that Butts could be found personally liable in Madison Square Garden’s lawsuit, and as taxpayers we are now [possibly] on the hook for his legal fees. Madison Square Garden came to Inglewood with an open mind and promoted community growth, and the mayor allegedly tricked them. Such conduct will drive away potential business owners from Inglewood.
Additionally, the increase in the cost of housing is slowly driving away our long-term residents, and we need to enact rent control before discussing additional sports teams coming to Inglewood. We need to place Inglewood residents above the owners of sports teams. I welcome an NBA team to Inglewood, especially the LA Clippers, but the deal has to be fair for all sides: the Clippers, Madison Square Gardens, and most importantly our beloved city.
The city is promoting large-scale development projects that will bring new business to Inglewood. What solutions do you propose to keep long-standing, small businesses in the area?
We must aid our small businesses with city grants, ensure the success of these businesses through pursuing state and federal government assistance, enrich these businesses with cultural projects, and oppose the partial repeal of Proposition 13, which could be the final nail in the coffin of small businesses in Inglewood, if passed. Propositions 13 and 98 are the cornerstones of California’s economy and must be respected.
I support designating historical small businesses as state landmarks, forming special districts to decrease the tax burden on small businesses where appropriate, and holding quarterly meetings with small business owners to know their issues and be able to assist them. Small businesses are the cornerstone of Inglewood. We must do what it takes to preserve them.
Inglewood rents have increased by about 37 percent since 2012. The median rent for a one-bedroom is now $2,600, according to Zillow, making rent unaffordable for Inglewood’s low-income residents. What’s your plan to drive down the cost of renting in Inglewood? Is rent control an option?
There are numerous effective rent control laws in the cities of Los Angeles, Santa Monica, Beverly Hills, and West Hollywood. The City of Inglewood needs to review this legislation and enact rent control laws immediately. If elected, on the very first day in office, my administration will work with Uplift Inglewood and push for rent control laws.
There is no excuse for any mayoral administration to side with the special interests, instead of our people, our renters. Hard-working residents of Inglewood should not be evicted simply because they are going through hard times. My administration will also work with local banks and credit unions to ensure that our rent is low, and that renters can pay it.
The state Department of Housing and Community Development says Inglewood needs to add 567 units of housing affordable to residents earning very low to moderate incomes by 2021. Since 2013, none of these units have been built. How would you create more affordable housing in the city?
Inglewood is one of the densest cities in America with over 12,000 residents per square mile. Comparatively, Los Angeles has roughly 8,500. Adding housing and building out the city stresses the resources of our schools, roads, sanitation system, and lessens the value of our current property owners.
As part of the deal with the NFL stadium, 2,995 new housing units are to be built in Inglewood, which could increase our population and our density by 10 percent. [Note: Curbed LA has reported that the project would deliver 2,500 units of housing.]
I am willing to work with the developers to assist a project that can ensure that 567 out of the 2,995 new housing units are dedicated to affordable housing, but we do not need additional housing built in Inglewood to line the pockets of developers. Furthermore, I will create a task force to ensure that the tax revenue from the development is used to hire former veterans to fight crime in Inglewood.
— Lucy Guanuna, Bianca Barragan, and Elijah Chiland contributed to this report.
Source: https://la.curbed.com/2018/10/23/18001806/inglewood-mayor-election-james-butts-marc-little
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Get Ready for the Most Competitive Spring Home Buying Season Since the Great Recession
Justin Sullivan/Getty Images
Spring is here — and with it comes the most popular time of year to shop for a home. But if prospective home buyers don’t prepare properly, they could be in for an agonizing search.
Across the country, many housing markets are seeing a record low number of homes up for sale thanks to fewer existing homeowners opting to move and home builders constructing fewer new homes. Tight housing inventory is, in turn, fueling rapid appreciation in home prices, all while mortgage rates have generally increased at a steady clip.
Not only is that making it less affordable to buy a home for many Americans, it’s also making home purchase process more stressful. This year, perhaps more than ever before, prospective home buyers need to prepare. “It’s probably the most competitive spring housing season we’ve seen since right before the housing crisis,” said Tendayi Kapfidze, chief economist at online lending marketplace LendingTree.
Here are some of the most important steps they need to take, according to housing and personal finance experts:
Review your credit report early and consolidate your debt
Before searching for a home, they should ensure that their finances are in check. This doesn’t just mean having an emergency fund in place for any unforeseen costs.
Review your credit report, said Kirk Licata, an Atlanta-based certified financial planner and senior adviser with LongView Wealth Management, a financial planning firm. And keep an eye out for errors.
Consolidate existing debt, Kapfidze recommended. That could lower monthly debt payments and improve a consumer’s debt-to-income ratio, which is one of the factors lenders consider when deciding if a would-be borrower is creditworthy. “That will help you over the hump to get a mortgage,” Kapfidze said.
Decide what type of house you want ASAP
Buyers won’t have time to rest on the laurels in today’s market — and that means they need to hit the ground running. The typical listing on Realtor.com now sells 8% faster than it did a year ago, said Danielle Hale, chief economist at realtor.com.
Consequently, indecision can easily jeopardize a home buyer’s success in securing a purchase. “A lot of buyers getting into the market for the first time don’t know the difference between a Craftsman, a Cape Cod and a Colonial-style house,” said Rick Sharga, executive vice president at Carrington Mortgage Holdings, a real estate company in Aliso Viejo, Calif. “Understand what house you want to get and what amenities you’re interested in.”
Figure out what you can actually afford
Many buyers may find themselves in a bidding war. Don’t flirt with a home price that’s vastly unaffordable.
A housing budget should include everything from insurance and utilities payments to homeowner association dues and maintenance costs. Plus, property taxes.
One good rule of thumb: Target a monthly mortgage payment equivalent to 80% or less of what you pay in rent, said Joel Cundick, a McLean, Va.-based financial adviser with Savant Capital, a wealth management firm.
Get pre-approved for a mortgage
Getting pre-qualified or pre-approved for a mortgage is a step that most housing experts now suggest buyers take. A pre-approval letter from a lender will state the maximum amount they are willing to lend to a borrower to finance the purchase of a home.
“It gives you a competitive edge against buyers who don’t have pre-approval letters,” said Holden Lewis, a research analyst at personal-finance website NerdWallet.“Home sellers don’t want to get burned by wasting time accepting an offer from someone and then a couple of weeks later it turns out they can’t get a loan.”
But getting a pre-approval doesn’t just ensure you will have a better shot at competing with other buyers — it can also help you stay true to your budget. Because a pre-approval sets a maximum amount that a lender will give, it restricts consumers from buying a home outside their price range, Lewis suggested.
Shop around for the right lender
Rising mortgage rates have cut into the refinancing business — and to make up for that lost revenue, lenders are competing more to attract home buyers.
“Not all lenders are increasing rates at the same rate, they have different strategies,” Kapfidze said. “Look at multiple lenders.” Compare their fees and negotiate lower costs for services like the home appraisal.
Don’t expect a computer to do all the work for you
Don’t be overly reliant on online searches, Sharga said. In hot markets such as Seattle, listings may be scooped up before they are even posted online. As a result, most housing experts suggest working with a real-estate agent throughout the process.
Real-estate agents do more than just help find a potential home. “The realtor can tell you what the local tax rate is and give you a sense of what insurance costs,” Sharga said.
The post Get Ready for the Most Competitive Spring Home Buying Season Since the Great Recession appeared first on Real Estate News & Insights | realtor.com®.
from https://www.realtor.com/news/trends/get-ready-competitive-spring-home-buying-season-since-great-recession/
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Coming storm: Poor housing and fuel poverty raise fears over second covid wave
By Chaminda Jayanetti
Should the rate of spread of coronavirus increase following the recent easing of lockdown measures, the government may have to impose a second lockdown later this year.
But while the move may be necessary to control the virus, forcing people to stay home over winter will put huge strain on households in damp or draughty housing and those struggling with heating bills.
"People's finances are going to be significantly compromised, so I expect we'll see far more cold homes and people unable to heat their homes properly," says Jessica Allen, deputy director at the Institute of Health Equity (IHE).
"They'll have to stay in constantly. People are skint. So both those things are going to mean that they're not going to be able to heat their houses adequately."
James Clarke of Severn Wye Energy Agency, which helps tackle fuel poverty, says: "Coming up this winter we are as a country going to be experiencing a recovery period from a respiratory disease. So the very last thing you want ... is a poor environment to be recovering in, certainly not one that is famous for exacerbating respiratory illness.
"So what I think we've seen in recent weeks with the outcry about care homes - 'what are we doing, what is the political response to the care homes situation?' - we're concerned that we might see a very similar sort of thing come the winter with areas of deprivation, where cold homes aren't addressed properly."
Health impact
Even in normal times, at least a fifth of excess winter deaths in the UK can be attributed to cold homes, either because of cold housing, unaffordable fuel bills, or both.
The list of consequences of cold housing is vast: increased chances of respiratory infections, cardiovascular disease, gastro infections, asthma, allergy symptoms, worse mental health, arthritis, rheumatism, and a higher number of falls - a major safety risk for the elderly.
"There is a deep concern for many of us that whilst we deal with this crisis whilst it's 25 degrees outside and the sun is shining ... we're potentially blind to what could occur if there was a resurgence once lockdown measures are lifted a little bit," Clarke says.
Peter Smith of advocacy group National Energy Action (NEA) says: "What we're concerned about is an overlap between another significant outbreak of covid, potentially flu, and cold weather, which would be a toxic cocktail and would sadly see premature deaths spike."
The nightmare scenario is people forced to stay at home during a winter lockdown, unable to earn, relying on central heating more when they are least able to afford it - and possibly living in damp, draughty, or uninsulated housing.
"What people tend to do if they can't heat their homes properly is to live in one or two rooms which they do heat - so then there's impacts on family conflict," Allen notes, adding that teenagers living in cold housing are up to four times more likely to have mental health problems.
"We're not saying that cold homes cause covid," Smith says, "but those people with underlying respiratory conditions ... will have their situation exacerbated by living in a cold, damp home. Broadly there's a 30% to 50% increase in respiratory problems, particularly from asthma, for people who do live in cold and damp homes."
Poor housing
As so often during the pandemic, Britain would enter a winter lockdown from a particularly vulnerable starting point - in this case, the state of its housing stock.
"We have in this country, well documented, some of the worst quality housing in Europe," Clarke says, pinpointing Britain's ageing housing stock - among the oldest in Europe - and its lax energy efficiency regulations as the drivers. "Certainly in Western Europe we fare very, very poorly. Just in general we have inefficient housing that lends itself quite well to creating a state of fuel poverty for a lot of low-income people."
While social housing tends to perform better thanks to investment by government and social landlords, privately owned and privately rented housing often lags behind.
Central government funding for private sector housing renewal - much of which was spent on improving energy efficiency - was axed as an austerity measure in 2011. Progress on improving fuel efficiency in private homes flatlined after 2014.
Most inefficient of all are houses of multiple occupation - poorly converted buildings split into individual flats to maximise rental income, often stuffed full of low-income or vulnerable occupants.
"There is a huge overlap between the people that are living on the lowest incomes and the people that live in the least efficient housing," says Smith. "And that's really what the definition of 'fuel poverty' in England captures - the overlap between those people that are living below the poverty line, and also have energy costs which are far higher than average."
And while private tenants are particularly exposed, even homeowners can face similar problems.
"For some people on limited incomes, if they're owner-occupied they're still not actually able to afford to do things to tackle that," Sarah Davis of the Chartered Institute of Housing says.
"Often in that age bracket they may have been people who've exercised the right to buy, and they're on significantly limited incomes."
The current lockdown means that a lot of the work inside people's homes to improve warmth and efficiency for the winter is simply not happening.
"I think we will find that this coming winter, we will over the course of 2020 have made little to no inroads into insulating our housing stock," Smith warns. "That will bear out in the statistics next year and it will bear out in our death toll as well."
Action on fuel poverty
Fuel poverty rates have changed little since 2003, with the impact of benefit cuts countered by an energy price cap and recent rises in the minimum wage. But even in a normal year, around one in ten people struggle to pay their heating bills or heat their homes effectively.
"Often this might mean just using the one room, or it might mean taking a massive hit on your finances over the winter and not eating properly," Clarke says. A winter lockdown could therefore lead to "more people in poverty ... in more vulnerable situations, more isolated, and more perennially in an unhealthy environment".
Allen agrees that the point about finances is crucial. "People who used to heat their homes adequately won't be able to probably this winter because of the economic impact."
Given that there's not enough time before a winter lockdown to address long term issues with the structure of Britain's housing stock, action to ensure heating is affordable is essential.
National Energy Action has welcomed a package of support agreed by energy suppliers that will help customers short of money to top-up prepayment cards and assist those struggling with monthly bills.
But there are concerns that people don't know what help is available - exacerbated by different suppliers using different criteria to provide different support to different customers. A winter lockdown would present an even bigger challenge.
"If we find ourselves in a winter of struggling with lockdown and with higher energy bills and lower incomes, and all of the things that contribute to fuel poverty, then we are going to need some pretty high level strategic decisions being made to address those," Clarke explains. He suggested debt caps and financial help for those who are struggling.
The NEA's Smith says there would need to be a shift from the current, supplier-funded coping measures to a government-funded response. He suggests a matched funding scheme so that when customers repay some of their fuel debt, the government and supplier each put money in as well to speed up the process, plus a government fund to support low-income customers who prepay for their fuel.
Industry group Energy UK said that suppliers have introduced payment holidays and emergency credit since lockdown started, but that "in a low margin business, with potentially many more customers than usual facing difficulties paying bills, suppliers are only going to be able to write off debts in limited circumstances".
Vulnerable people and those in financial distress are advised to talk to their energy supplier, who will be able to discuss options including reassessing, cutting or pausing payments.
Clouds on the horizon
Come winter, the stakes could not be higher.
"Cold homes place needless stress on the health service itself," Smith says. "What matters is keeping people away from hospitals" - particularly given the risk of catching covid while there.
"The second wave, if it comes in October, November, would be particularly bad because that's when the flu starts - so you've got a double whammy," warns Allen.
Government scientists are so concerned about the annual winter flu outbreak coinciding with a second spike in coronavirus that they are reportedly suggesting giving everyone the flu jab.
Throw in the effects of increased fuel poverty, and "all of a sudden those that are in poor homes are relying on healthcare far more," Clarke says. "They're not recovering from the virus, they may be contracting the virus and getting much worse symptoms as a result of the weather outside and the exposure to the elements they have even inside.
"So there could be some really serious health repercussions of not taking steps at this point to protect those who often choose between heating and eating."
The Department for Business, Energy and Industrial Strategy said: "No one should be cold in their own home and this is especially the case while people are staying home to control the spread of coronavirus.
"We have struck a deal with energy suppliers to support those most in need during the outbreak. On top of that, we are protecting households from rip-off deals with our energy price cap, improving the energy efficiency of low-income households and giving extra money to pensioners during colder times of year."
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$PAOG – NWAV ROADTRIP REPORT & PICS
NWAV ROADTRIP REPORT & PICS Hello all, First off, let me preface this with, I normally write code, not papers, so please forgive any spelling or grammar issues. Second, thanks everyone for a fun trip. I’m not just talking about Florida and Ohio. I’m talking about entrance into stocks. That’s correct. Not a stock pro here, first decent investment in a stock really. I got lucky with about 700 shares of OWCP when a buddy suggested that this might be right up my alley and pointed me towards it. Then I started looking for another stock since it was apparent 700 shares wasn’t going to do me anything in the near future that I wasn’t going to get in a pay check anyway. So backup… Who am I and why should you listen to me? Well, I’m more or less just a regular guy, for all intents and purposes, nobody. I do however happen to have a unique perspective that made this stock stand out to me as something to watch. Day to day I am a computer programmer, writing software to analyze various business functions ranging from marketing performance and employee efficiency to customer shopping patterns and inventory allotment. Since I’m also a big fan of money, I build websites on the side, primarily medical since doctors generally always pay. Lawyers are good to, but I digress… I live in Missouri and as we are bordered on three sides here by states with MMJ in some form or another in the works, and have a sad, sad, little program here ourselves, we all know MMJ is on the way. In Mo we currently have very restrictive legislation, only two companies allowed to produce CBD oil for epilepsy, and few neurologists willing to recommend it yet. I can’t blame the doctors, nobody wants to be the first and risk their career. Med school isn’t cheap! To have those loans and not be able to practice… No thank you! Keep that in mind when you think about these doctors working with PAO already… Pioneers. That being said, doctors don’t always make the best lawyers, marketers, or technical security experts. Trust me when I say as we web developer, I’m really glad these doctors are doctors, not web developers, or even designers for that matter. Nor should they be! They went to school to be doctors. Most know their limitations but sometimes they try to build their own site. They normally soon realize that when looking at time to dollars while comparing to overall website quality and shortened development time, it was best to just pay a developer/designer to do it, and everyone ends up happier and more successful. Similarly, I’m sure I could drill a hole or two in someone’s spine, pack it with Plexiglas, and call it a Kyphoplasty. I mean that is in essence, what the procedure is, but I make no claims that the patient would be in either less pain, or breathing at the end of the procedure. Having PAO to lean on for knowledge in areas doctors simply aren’t going to know as much about such as legal or make use of PAO’s online tech, will allow smaller practices to explode and larger ones to dominate in this emerging medical sector as it spreads across the country. While the MMJ aspect alone makes linking up with PAO attractive to doctors here in Mo who want to be in ahead of the curve, it is just a portion of the benefits. My most recent build was for a pain management surgeon who is already offering several alternative medical solutions offered by PAO and others that are not. After seeing how much business my client does on alternative medicine though, it is clear that MMJ, while massive, is only a part of this equation here. With our current healthcare system in a state of uncertainty, many patients are finding themselves weighing their options as the cost with insurance for many procedures is just as unaffordable as it is without. The Hormone and stem cell therapies alone are massive. As PAO grows and more doctors join, more ideas will spread, more solutions will be offered. One procedure my client offers now is Platelet Rich Plasma Injections. They cost the patient about $500 and are not covered by insurance despite showing overwhelming success rates. Like everything, as these procedures become more available, and better understood by the non-medical community, they become more affordable. Between the nightmare stories I’ve heard from clients and family, patients and doctors, everyone is ready for some options in healthcare. This isn’t news. Then you throw RSII in the mix, couple that with the fact that this company is not only growing its roots in two of the most conservative / restrictive states in the union and making it look easy. If their model works in Ohio and Florida, they can adapt to work in any virgin state as well as push into more saturated markets (once the low hanging fruit is gone). Seems to be a pretty good position to be in. At this point I’m sure I’ve got some people saying, “Making it look easy?!?!?!?! I keep hearing they are a scam?!?!?!”. Now I’ve learned if you even imply a negative motivation behind anyone’s actions on this board you are very likely to have your post removed, so I will simply ask. Why would someone you don’t know, who will never meet you, be hanging out in a stock gossip forum warning you “hey, don’t buy this it’s a scam”? I’d love to believe that everyone is my buddy, but have you played video games online? Have you seen what anonymity has done to behavior online? So without further delay, this is what I’ve got on NWAV… NWAV SUMMARY & REPORT (Part #2 – Ohio) So let’s start in Ohio. I was up there March 24, 2017. I started in Sandusky and then went down to Parma. The Sandusky office was exactly where it was supposed to me. This is one thing that had me dying laughing. We’re all sitting around here asking “Where is it? It’s not where it’s supposed to be!”, totally freaking out. Shoot, I took vacation days to drive up to Ohio because I wanted to make sure I wasn’t caught up in some Wolf of Wall Street pipe dream and thought we (the longs (the vocal ones at least, I’m learning here guys lol) on the board) had discovered some serious new info and I was gonna get proof. Just a couple days ago I’m looking at the PAO Facebook page. There is a sample ID they posted on Jan 20, 2017. It’s got the address on there, plain as day! Since Jan 20th! Even funnier, it’s been on this board at least that long too! They aren’t hiding info from us, they are busy working! Opening 6 locations and launching a website in a couple months is a daunting task. I made it up to Sandusky and found the clinic with no trouble. It is kind of tucked away in the back, not really easy to see unless you know where you’re going. No signage in the shopping center, but great signage at the entrance. To tell you the truth, I was a little disappointed in that at first, but later it all made more sense. I was able to talk to the neighbors in the unit closest to the street. They were telling me that they were really busy the previous week but were able to finish up moving everything in early and were “just waiting on the official go date”. I don’t remember exactly how I brought it up other than I was asking as a potential patient, not as an Investor, so there was zero reason to tell me a lie. That and the guy was very laid back, positive, and had sounded as if he believed it would be good for the community. When I was saying good bye I threw in there, “Man I wish these guys had stock, I would totally get some!” to which he said, “No kidding, I should ask if they do!” I hope he did. As far as what I could actually see, honestly not too much new. The signs were up and looking good. Everything was clean. Computers had some monitor glow at the desk in the lobby. I got there early in the morning and checked on it as soon as I got into town (about 1:30am… in the rain… lol… didn’t care, it was there!!!). I came back the next morning (where I talked to the neighbor) and the lights were out so it appeared someone had been there. The maintenance door was open between units but I’m getting too old to crawl through ceiling tiles and get trespassing charges, plus I had seen enough to feel good that things were on the up and up. I seriously considered it anyway, but thankfully I brought my fiancé, not my buddy, or I might have been writhing a much less complete report from a cell as I would rather have the stock than bail. Before heading down to Parma I checked out a few other things. I went to the Sandusky Wellness Center on 3703 Columbus Ave. This is where Dr. Greg(g) Winnestaffer, who will be at the Sandusky clinic, currently has an office. A nice building not too far away and after seeing how Florida is building out around Jacksonville, and talking to the staff of the medical complex where Dr. Bernard’s Friday office is, it would not seem farfetched to me that this location could serve as at least another referral source / satellite for PAO. This is just speculation on my part, but why not? I also checked out the Bank that was for lease in the same shopping center as the Sandusky clinic (1028 Cleveland Rd). There are no for rent signs on it anymore as seen in the Google Maps images. It looks unoccupied however there are some signs on the door that say “Lucky’s Entertainment” with little shamrocks. In the PR that came out Nov 3, 2016 it clearly said that they renegotiated the lease to get the bigger unit, but I still hold out hope that they grabbed the bank too and are saving it for Central Office / Dispensary / RSII Lab, but that is just me hoping. Couldn’t blame them for being quiet, I mean look at how we hound them for info, but think about a bank drive through with multiple lanes and a huge vault. How could a company like this, make use of a building like that? Next I went down to Parma to find the other clinic, but one thing first. I’m not from Ohio, never been to Ohio, didn’t know anything about the place. So when I read the PR talking about the opiate addiction problem in Ohio and saw some news clips about how they had the highest death rate from opiate overdose, I was like, “Yeah it’s bad stuff, got that problem here. Tons of meth too. Wanna talk murder rates, we all got problems, and what?” Ok, well maybe not that cold, but the point is I absolutely underestimated what was going on up there. In Sandusky there were some billboards, a few signs here and there, but more than at home. It was apparent that opioid addiction was a public concern, but by the time I got to Cleveland, parts of the city looked almost like a WWII “buy war bonds” news reals. There were signs everywhere warning about heroin and pills. Bus stops, trash cans, benches, everywhere! Once I made it down to Parma it was a little less apparent, but all that means is that it wasn’t smacking me in the face anymore. So the Parma office was a lot more viable than Sandusky, which makes sense. Folks in recovery aren’t really looking to be called out on it, or seen going in. Having a nice entrance in the back of the shopping center fitted the need up in Sandusky. Parma was the exact opposite. It’s positioned in a pretty nice medical building on the corner of a big intersection that is impossible to miss. Walk through the front doors, make a right and you’re there. The first 5 units facing the street are all AMCA. The office had easy to see professional signage, name and unit number in the buildings info board, and a mostly finished office visible from the mail slot and windows, and a note directing deliveries to go to the main door, not the other doors. This location was a win too! So Ohio looked great! Both of these are corporate locations, so revenues there will be all PAO! I almost convinced my fiancé to keep south and check out Florida on the way home, but there just were not enough hours left in the weekend to get back for work, so I would have to wait. We have since had the walkthrough of this location: https://www.facebook.com/PAOgroupinc/videos/611587985717486/ NWAV SUMMARY & REPORT (Part #3 – Florida) Let me start this part of the report with an apology to IR. Now that I’ve seen all the locations, talked to some people in person, and thought about all the work, and the timelines involved in businesses I’ve only to helped launch (not plan, and initiate)… in a single state… in much less volatile, history making sectors… and then compare to what you all have said you were doing to do, and have in fact done, in the time you have done it… I take back all the less than friendly messages I left over the last month or so when I didn’t understand, or misread the PR, or mistook something I saw. I even left a couple this weekend in Florida. I normally felt pretty dumb when I figured out what I was missing if that makes you feel better. While we’re being all forgiving, since I’m in part 3 of a report on a series of cross country road trips stalking your company, I would not trust me to keep quiet either, so totally forgive you for never calling me back LOL. At this point though, come on guys, drop the PR, make everyone happy, and let me get a real tour so I can say thanks in person! Ok, so I packed up the car and headed down to Orange Park. When I got there I was happy to see, much like Ohio, exactly what I expected to. Having AMCA logs on the door and windows was a great start. The parking lot was full, even around back. There even looked to be people waiting in their car in the lot next door because they were either early, didn’t feel like waiting inside, or maybe both. I walked in, looked around, saw that they were packed, and just looked lost and got out of there. After all this was a live working practice. I know how busy those offices can get and with a possibly overflowing waiting room, I didn’t want to interrupt and ask silly questions. Seeing there were 5 patients in the waiting room, 4 visible staff members moving quickly to get things done in the section of office behind the admittance window, and who knows how many of each I couldn’t see in the other 80% of the building, I didn’t need any more convincing that they were busy. Seemed to be everything I could hope for here. A few things to note about this location before moving on to the others… It is positioned wonderfully at an intersection, with a stop light, across from a large medical center. The number of patients a day that are going to leave that medical center and see the green cross in the windows here will be huge. There is also a pharmacy attached to the building. As of April 3rd 2017 Florida’s Senate has passed a new plan through its first hearing which is much less restrictive that the one from the house, allowing for edibles and vaping, just not smoking, along with all other treatment options. It also proposes increasing the number of dispensaries and independent labs testing the medical MJ treatments. Don’t we know a company that could benefit from that? Sure this is six months to a year away, so what do we do till then? I guess we work on registering more patients and give the lawmakers the numbers they need to put some weight behind what the people are saying they want. Wait a second, so you are telling me actions speak louder than words? So wait a second, by that logic, I guess I would rather have 5 verified locations and no PR, than a glowing PR full of promises. Now I mentioned leaving some unhappy messages with IR. That was because when I got to Jacksonville Beach I could not find the AMCA sticker anywhere and I didn’t want to go into random buildings asking about it. I called IR and left message and my phone number. Surprisingly, they didn’t call me back. Cooler heads prevailed and after I realized that I sure as heck wouldn’t call me back either, but I was already down there and couldn’t go home and leave it at that… I went in and played patient and turned up some good info though. So we have seen on the Pointe Medical website that 905 Beach is Dr. Bernard’s part time office. He is only there on Fridays. This of course was a big old red flag until I understood the business a little better. How can we count this as a clinic if the doctor is only there on Fridays? We’ll doctors having a couple offices is nothing new, they do it all the time. The problem is that Dr. Bernard is only one guy, so how can he be in two places at once and make use of two offices in a way we can really count as two clinics? That is the beauty of this model, with even just what we have seen of the altmedcenters.com page, the secure video referral system (MCVerify), and proper staffing, a doctor’s practice can rapidly scale up to multiple locations in short order. The software allows the doctor to be anywhere provided they have a location with staff such as a Physician’s Assistant or Nurse Practitioner to aid in the recommendation. Now all the sudden this location made more sense. Well, confirmation on that was the second thing that came out of the mouth of the very nice lady working at the desk. “Dr. Bernard hasn’t been at this location in a few weeks actually. ” My heart stopped. “I know he’s been out trying to hire some more staff. I know he needs at least a PA (Physician’s Assistant).” I vision came back into my left eye, then my right, followed by a heartbeat. More staff is good. The other lady chimed in, “Yeah I think he’s been working on getting a new location ready the past couple weeks.” I need to start playing poker. I politely said thanks and sorry for the confusion, I must be trying to get to his other office. Joked around for a minute since they were really friendly people and headed for Ft. Lauderdale. At this point not having had time to think it through and realize how good of news that was, but feeling better about all I had just heard. Now my next stop was Ft. Lauderdale since I only had so many business hours left in the trip, but first I’ll talk about St. Augustine. When it was announced that PAO Group got their lease at this location I was pretty happy. Unfortunately I was not able to figure out where it was, nor did they give a location. Seeing how this location is not too much further from Jacksonville Beach than orange park (in the greater scheme of things), with Green Cove Springs (another location mentioned in PR) almost between Orange Park and St. Augustine, it seems to make sense that Dr. Bernard will be in fact heading up multiple locations as we were told in his FB video with Robert Webber. Also, the St. Augustine location looked to be in overall good shape in the video, and seems to not need much more than paint and equipment as it was previously a doctor’s office. Having been 2 full weeks since they took possession, I would not be surprised if they were ready to open in short order and then we will have our first corporate location in Florida. Ok, on to Ft. Lauderdale. Well for starters… Man the turnpike can slow ya down! I didn’t get down there till after business hours and it was Friday so I was out of luck for catching anyone there. Just like you find looking online, there was Hollywood Hormone Therapy sign, just no AMCA. I was a little irritated. Left IR another real peach of a message, and sat there for a minute or ten. I was able to see through the windows in the front that the lobby looks just like its picture on the website, but the lights were out and the only picture I could get was more reflection of my phone than image of the lobby, so I didn’t bother taking a picture of it. Now at this point, despite overwhelming evidence that this is in fact everything promised, I’m sitting there seeing ready to pop actually thinking. Maybe they are right… Crazy talk I realize now, but I had been in a car for 20+ hours. Anything short of a grand opening parade was going to be a disappointment. I went back to the PRs to see what I had missed. Just like the freaking ID with the Sandusky location on it that sat in plain sight for months. When I talked with the staff in Jacksonville Beach, I mentioned Alternative Medical Center in the office next door when I was looking for Dr. Bernard’s office. Just like the people who called the phone numbers asking about the PAO group getting confused answers. Everyone there knew Dr. Bernard, only one of the neighbors knew that Alternative Medical Centers was, “that thing Dr. Bernard is working on”. Patients going to Hollywood Hormone Therapy are making appointments to see a doctor, not a physician’s group. In this case they want to see Dr. Michael Schmidt who also runs a family medicine practice a little further north in Deerfield Beach. Me getting hung up on the AMCA sticker not being in the window seems kinda silly now that I have had sleep and EVERYTHING else is where it was expected to be. Additionally, because of the scalability of this business model, I won’t be shocked if we see similar developments with Dr. Schmidt in the Ft. Lauderdale and easily drivable surrounding areas as we have seen in the Jacksonville area with Dr. Bernard and the northern Florida locations. NWAV SUMMARY & REPORT (Conclusion) So having time to get home and type everything out. More than ever, I like what I see here. If my biggest beef is that two satellite locations don’t have logos in the window, but everything else seems to be going pretty darn well… Things could be a lot worse. They seem to be meeting goals on time which is apparently unheard of in the OTC. We also look to have been building a very strong base over the last month investor wise and the PPS has had one of the smoothest stabilizations after initial discovery that I’ve been able to find going through other stock histories. Throw the fact that we have a PR due any day and 4/20 in two weeks where MJ is about to be national news on CNN and all the other news stations, like it is every year around 4/20, it would seem to me that great things are on the horizon. Good luck all! http://dlvr.it/Qvtt1W
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Car Insurance..6 Points..(read on)?
"Car Insurance..6 Points..(read on)?
I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks
BEST ANSWER: Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr
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Can I call an auto adjuster for a quote and then not use them?
Car value (Kelley Blue Book) about $4200-4500 (just bought it a couple of months ago for $5K). Older car, low low mileage. Seriously excellent condition, fancy wheels, no similar cars close to the low mileage anywhere near $5K within a 200 mile radius. Body work $5K est from body shop. Do I bother calling insurance company to send an adjuster out, or should I just fix it myself and save the insurance cost hit because they will total it anyway? If an adjuster gives an estimate am I then bound by their decision, which seems as if it will be to total the car? If they look at it will they raise my insurance even if I fix it myself? I am not sure what to do!""
Does PA or NJ have cheaper car insurance?
I'm wanting to know which state has cheaper car insurance. I have usaa. Does it vary state to state ?
Where can i find cheap Auto Insurance Providers in Missouri ?
Where can i find cheap Auto Insurance Providers in Missouri ?
HELP!! IM 19 i need a very cheap car insurance?
hi i recieved a BMW compact 02 plate car as a gift, and i was really happy but now im really upset because i cannot find any cheap car insurance, i quote all the time and the lowest price i get is 5200 for a year and monthly instalments of 468, i wonder where in their brain do they they think i can pay that every month, i work and pay my rent, sky, internet, gas, tax, credit card etc. what must i do i cant afford to pay 468 more on bills. can you please give me websites which can help, and please dont leave any rude comments because i really cant be bothered for u wasting your time , THANK YOU""
Cheap car insurance for 18 year olds?
What type of cars have low insurance costs for young drivers and also which insurance providers have the best deals for new drivers? Thanks in advance!
Can I buy a used car without insurance?
I'm only 18 and I got accepted for a car loan. It's about $200 a month but I can afford the car insurance rate now. I'm buying the car from a dealership. Can I buy the car then drive it home and let it sit till I get insurance? Or can they deliver the car? If I drive it home rate away wouldn't it be like a test drive for the used car?
Should I change car insurance?
So here how it goes. I want to get a new insurance for my Mom's car. She is 52 years old women who drives a Honda civic 2002 Sendan that was totaled and repair before. She is paying 1,600 a year and I think that's a lot for liability . She used to have a car before that was in an accident(my brother hit somebody else car) and we had to drop that insurance(progressive). Two years after my brother broke another car that my mother bought but this time the insurance company(state farm) did not find out. Right now we are back to progressive and a car hit me while driving and I did call the insurance. It was not my fault and I don't think anything changed because we are still paying 1,600 but I still think its a lot. It is the best I can explain the situation , so should I go out and try to find a better deal? Any advice is appreciated""
How much would full coverage car insurance cost?
for a 2003 chevy impala 64,xxx thousand miles i am 21 with no accidents or tickets!!!""
How is health insurance handled for medical students? I can't go without it!?
How is health insurance handled for medical students? I can't go without it!?
What auto insurance companies are currently appointing in Florida?
I have been a licensed 2-20 Insurance Agent for a year now. Im currently looking for auto insurance companies that are appointing in Florida. Any names and phone numbers of these companies would be a big help. Here are lists of companies that Im currently writing business with: Bristol West Progressive Gainsco Seminoles I need some more companies so that I am not only limited to these four. By the way I am in the SW Florida area. Thanks SO much for your help guys
Should I get earthquake insurance?
I live in California. The quote I got was $150K dwelling, $5K personal property. The deductible is $22,500 and the annual premium is $370. Is this worth it?""
When health insurance says it has?
weight benefits... what is that? Is it only stomach stapling or is it a weight loss doctor or what??? Do you know andone who has used these benefits? Or do you work with health insurance?
Why car insurance quote from tesco is 550 whereas competitors quote over 1000 ?
i went through swinton, axa ,norwich union, high performance, churchil, and a couple others. they did not even come close...is this possible? i am a bit suspicious, if that tesco quote is reliable, but they say when i call that i can complete the whole process online and i do enter the same detail as on other websites.""
Cheap car insurance!!!?
I'm 17 and I just got my license and my dad is looking for insurance for me does anyone know where I can get a very good deal??
Is my auto insurance valid after curfew?
If my 16 year old gets in an acident after 11 pm, curfew, is my auto insurance policy still in effect?""
""My car insurance was voided in the past, and now I can't get a quote anywhere, can anyone help?!?""
When I started learning to drive at 17, I decided to buy my self a cheap car so that I'd be able to get more experience behind the wheel, pass my test quicker and have a car as soon as I passed my test. I was insured on my provisional license with an insurance company which specialised in learner drivers. However, I ended up getting 3 points on my license the week before I passed my test, in what I still think were pretty unfair circumstances. My house doesn't have a drive or a garage and so I had to park my car on the road in front of my house, or on a street round the corner when there were no spaces. As it was my first car I was really excited, and without understanding that I could get in trouble for it, I used to sometimes sit in my car and listen to music with my friends. The week before I passed my test we were sat chatting when a police car came down the road and pulled up behind us. Someone had broken into some allotments nearby and they were questioning us as to if we had seen anything. They searched my car- for tools that could suggest we had done it I presume, and when they found nothing they ran my license and obviously realised I only had a provisional license. I still at this point didn't realise I had done anything wrong, I wasn't driving the car, simply sat in it so I didn't realise I had committed an offence. The police informed me that because the engine was running, I could have been driving or about to drive and on that basis they convicted me for driving without a license. I only got 3 points and a 60 fine due to the fact I wasn't actually driving and at the time I accepted that with relief, I was terrified I'd get a ban or lose my license or get a massively unaffordable fine. I could have appealed but that would have meant going to court and I was only 17 and that terrified me. I declared the points to my insurance company straght away, but due to the nature of the offence my insurance was invalidated and void. I've only just now realised how serious having insurance voided in the past is. I'm supposed to be moving a 5 hours away in a few months for a job, and I have plenty of money saved for car insurance and a car, as without a car, the move is completely unrealistic. Without a car I won't be able to get to work as the hours are unsocial and my job isn't very well connected with public transport at all and so relying on public transport or taxis is simply not an option. I found a car, went to get an insurance quote, and found out that getting insurance is practically impossible when you've had insurance voided in the past. The points don't seem to be a problem, when I tell companies about my points but not about my insurance voided in the past they happily give me a quote. They're expensive, but affordable and it's what I was expecting. However, as soon as I tell them that my insurance was voided in the past they refuse to even give me a quote. I'm completely out of options and I don't know what to do. I need a car, but I can't get insurance as much as I try. I know I was in the wrong, but it seems like the voided insurance is more of a punishment than the points are and surely that isn't right? And the voided insurance will stay with me for the rest of my life, so does that mean that driving will never be an option for me? I'm sorry for the essay, I just really don't know what to do! If anyone's been in a similar situation with voided insurance or know of a company that would insure me then please let me know! Just anything that would help, let me know! Thank you so much in advance and sorry again for the babbling!""
How much is approx. insurance costs for a 125cc road bike with 23 years L driver. Can any one plz ans me?
How much is approx. insurance costs for a 125cc road bike with 23 years L driver. Can any one plz ans me?
How much do car rental agencies typically charge for insurance?
How much do car rental agencies typically charge for insurance?
How soon does actors get their health insurance?
How soon does production company offer health insurance for their workers? And, what other insurance does the production company offer their workers; and, how soon?""
Can't pay my insurance?
I paid my tickets and was going to renew my license but was told I was suspended from paying insurance till next year, is there really anything I can do?""
Motorcycle or Scooter Insurance in London?
How much would the insurance be for a motorcycle or scooter worth less than 4,000GBP in London? I'm hoping that it would be a lot less than a 50cc scooter in Dublin worth about 400GBP costing 200GBP for insurance per year.""
I'm going to look at a used car today. When should I buy Insurance?
I've seen pictures and know a lot about it's history. They have asssured me they have reciepts for all the work done to it. I'm pretty certain i'll be buying the car as I am taking money. Do i ring my insurance to get an idea of price and then ask them to start the insurance immediately when I buy the car? Or do they have a delay to when i'll actually be insured/ to when the police can tell if a car is insured or not? So should i change my insurance now or later? Thanks
I NEED A CHEAP AUTO INSURANCE ONTARIO?
I have my g2, i am 19 years old, and i am trying to find a cheap insurance to quote me on a cheap car....its only a 99 cavalier 4 door. I have done a lot of online quotes and i have basically gotten the same quote around $430. I would like a quote more around the $200 range!! Help! Anyone know of any cheap auto insurances?? Thanks!! Carley.xo""
How often Can You make a Windscreen Insurance Claim for one Vehicle in One year (UK car insurance)?
Ive just had a replacement Windscreen fitted as an insurance claim with the Norwich union. Three days later after the local Council Resurfaced a local road the Windscreen got hit by a stone thrown up by a car be driven way to fast for the newly surfaced road...the Question is How many such Windscreen Claims is you Car Insurance Company likely to Honour in any given year of fully Comprehensive Insurance. I feel a bit of a pratt Making a claim only 3 days after the first claim, but Neither of these Incidents were my fault but just accidental damage. as it is the first Claim cost me a 60 Excess payment and the next one will cost 60 just thec same...""
""What are the monthly/weekly costs of running a car? (insurance, registration, petrol)?""
im looking at buying a car, im 17 i have had my licence for about 3 months and i want to know how much i should be expecting to pay for insurance, registration, petrol etc, for a 4 cylinder proberly auto and ranging from 1990 to 2000 year. thanks :)""
Car Insurance..6 Points..(read on)?
I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks
What is the difference between home insurance and buildings and contents insurance?
hi. I will soon be moving into my first house with my girlfriend and its all new to me. We have been told we need a few insurances. Is there a difference between home insurance and building and contents insurance? or are they both the same thing? will they cover leaks, fire, structural damage, theft, boiler etc The house is in Newcastle UK. I would appreciate any help thank you
I haven't received my national insurance?
I'm 16, going to turn 17 this year. I am from Bolivia (south america) I have live in the UK for 7 years and I don't received any benefits ... I haven't received my national insurance and i don't know why if any one knows why or how i can get? then please tell me thank you""
I'm getting sued from an old car accident? will my insurance pay?
two years ago i was involved in an accident with another vehicle. we filed a police report and we each reported the accident to our insurance companies. i filed a claim with my company, but the insurance companies had us each pay our own damages. we both walked away from the accident. two years later, i receive a certified letter that i'm being sued for $10,000 (within my liability limits) for medical damages and other losses. i need to appear in court or have a lawyer. it's been two years, will my insurance company still cover this after such a long time? and, do i have to find my own lawyer, or will the insurance company help me? (they're a very good company) i just found out and i contacted them, but they can't get back to me til monday while they find the old adjuster's files.""
Is it cheaper on insurance to make payments on a car or buy it straight out?
Is it cheaper on insurance to make payments on a car or buy it straight out?
Insurance on a used car verses a new car?
My dad says that if I buy a new car my insurance will double or even more than my insurance on my used car. Is that true?
How much is car insurance for a range rover sport 2010?
I have a friend how is looking to get a 2st hand range rover sport 2010 but Is worried about the insurance. What is the range of car insurance prices for the basic driver
Was Obama's health care/college system comparison valid?
Tonight President Obama compared the public health care option to the public system of Universities and colleges. He said the public option will work the same way public colleges and Universities without inhibiting a vibrant system of private colleges and Universities. This is a fool's argument and a total apples to oranges comparison. Let me explain, first almost all private universities receive funding from the federal government. The federal government is not going to provide funding for private insurance. The second reason is it's common knowledge that the best Universities in the U.S. are private schools such as Duke, Stanford, and the Ivy League. These universities fill most of the highest paying jobs in the country. Some jobs even go as far as to require a degree from one of these schools (Stock Brokers on NYC Stock Exchange.) These highly paid graduates can donate larger amounts of money back to their respective colleges than the average Joe who graduated from a generic state funded university. No one is going to donate money to the private insurance companies. We can't even get all the people who qualify for insurance to sign up and that's the problem! Look, I have no way of knowing whether the public option will work or won't but when faulty logic is used to support it I become concerned. When most of the people supporting the public option are from California (a state where the middle class is few and far between) I become more concerned. When most of the Senators and Representatives who support the public option say they would prefer the U.S. had a single payer system (that's total government control of health care if you didn't know) I become very concerned. The reality is no one knows what the effects of public option will be. Also, the success of FedEx is not any proof that public option won't hurt private companies because an independent council regulates the mail industry. No independent council is mentioned in any of the plans in the House or Senate. yes or no""
""How much would car insurance be if i'm 18 years old, own an audi A5?""
I live in Ontario, i never been in an accident and do not have a criminal record. i am just looking for an estimate number of how much it would cost.""
""What would be cheaper, insurance wise (car title)?""
Have the car title in my own name and have my own insurance, or have the car title in one of my parents name and be under their policy as a driver to the car?""
Whats a low insurance rate for 18 year old for a 1991 honda civic?
I shopped around for low insurance and the lowest i got was about $300 per month for 1991 4 door honda civic. is there any other lower insurance for this car ? its kind of old but i heard that hondas are heavy on insurance. if it is, what car is low on insurance for a first timer car and insurance. im 18 years old, i got my g2 in april, i took driving school, and i never had auto insurance. can someone help me out""
""I need to find how much insurance would cost for a dodge charger, tune-up, tires etc including coupons?""
What site should i go to , to figure out this stuff?""
What happens to rest of my insurance after a write off?
I had a accident today in my fiesta, hit some ice, lost control round a bend ended up in the ditch, car looks f****d admiral picking it up 2mo I am only 11 months into the policy I have been told by a few people that it is defo a write off so I take it i will be paid out for the car (how long would this take) I am also getting a courtesy car by the garage picking the car up to repair it now will i have this till i get paid out? and due to having 11 months on my insurance and i paid in full can i freeze the insurance till i get a new car (ill be getting the same car infact i hope its not a write off) or will i get something back on the insurance due to only using 1 of the 12 months i paid for?""
Is there good deals at Insurance Auction Auto Sales?
Im interested in going to insurance auto sale for wrecked and salvage vehicles. My question is are the prices low enough to fix the cars to profit money on! What are the popular cars to buy, fix and resale...I was thinking like civics and mustangs because u see them everywhere you go. Im just wanting to try and new route to make some money, I have experience in body work, welding and painting and can usually find good deals on parts...really i just wanna know how cheap the cars sell for....Note I just bought a Lexus rx 300 from a person who bought it from a insurance auction I paid 1900 for it! Anything Helps, Thanks""
What is the best online source for shopping for health insurance?
My son is 20, full time college student in a different state (PA.) Home state is Ohio. I am on disability so my insurance (and my husbands') is through Medicare.. I am shopping for an individual plan for my son, and there are so many sites which offer so many choices...Not only do I need to get the insurance plan, I need to find the best web site for the query. (tried einsurance, etc..)""
Finding cheap classic car insurance?
I have a 1979 chevy malibu and i want to be able to have it and my winter car on the road. I want to find like a cheap classic car insurance for it so i can pay for both insurances. a friend of mine was telling me you can get it really cheap ccause its a clasic. Anyone know of any?
What insurance plan is most affordable and supports therapy?
Hi, I've been seeking good therapy since I was 17, I'm just wondering, what insurance plan is the most affordable as well as obviously covers therapy? Thank you""
Is there a way I can lower my car insurance rate with Progressive?
I'm 21 years old, and have been driving for about 3 years now, and I am wondering if there's a way for Progressive to lower my insurance rate. How do I about doing this with them? What do I say? Thank you!""
Broad estimate how much do people think motorcycle insurance would be for a 16 year old?
I live in California
""Ex has name on log book for car but i own it, it was put in their name for cheaper insurance, but now i want ?
The car back can I just take it
Obama waives auto insurance?
Obama waives auto insurance?
Is there affordable health insurance for pregnant teen girls?
i need any kind of reliable resources. please help.
Cheap car insurance...who are you with?
i am looking for cheap car insurance for my two cars. i had my license since i was 18 and now im 20. i have no tickets and i need to find insurance please help me....who do u have and how much do u pay?
How To Create An Insurance Plan?
This family of four consists of a mom, dad, a twelve-year-old girl, and a sixteen-year-old boy. The family is about to move into a new house. They also own two cars. Help the Martin family create an insurance plan. An insurance plan simply lists the types of insurance they have or will be purchasing. The plan may also include some details about the insurance. For example, it may list life insurance worth $500,000 or health insurance with ABC Agency. For your assignment, create an insurance plan for the Martins. Create an insurance plan. As you create the plan, think about all of the risks this family faces and how they can protect themselves from financial loss. Next to each type of insurance that you list in the plan, write one to two sentences about why you think they need this insurance. I'm not sure how to create an insurance plan, can someone give me some guidance? Thank you.""
Car insurance for a 17 year old?
what is the cheapest car insurance company for a 17 year old. (people with recent experience would be very help full) also what car would be cheapest to insure. (would an old car e.g 1980s early 90s be cheaper than a newer car) i am looking at third party insurance and not comprehensive
I'm 20 with no diploma: How do I get health insurance?
I'm a 20 year old male in Austin, Texas, and I was homeschooled and have 2 courses to complete until I get my highschool diploma. I have very little work experience (worked for HEB for 3 months). How do I get health insurance? Any suggestions on who would hire me that has insurance, or any government help I could be eligible for health wise?""
Car Insurance..6 Points..(read on)?
I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks
Insurance Claim Question?
So i got hit by someone the other day and i have a question before i put a claim on it. I saw the truck that hit me but i didn't get the lincence plate number. I saw the guy pulling out after he backed into me and he didn't stop. I saw him pullin away from my car, so i know he hit me. The bumper is screwed so i had it rivited by my friend cuz it wouldn't stay up. So my question is where i did not get the guys plates and i have the basic (i think liabilty) insurnce, can i call and put a claim on it and get money from my insurance company, without my rate going up and having to pay more a month for my insurance.. Thanks..""
Motorcycle insurance in ontario?
How much would Motorcycle insurance be for 16 year old male liveing in Ontario? I was thinking of getting an older ninja between the years of 1987 - 96. Just wondering how much it would be around . I tried an insurance quote online, but it didnt really turn out right. Thanks""
Is moped insurance cheaper than car insurance?
i need an easier way to get around town but until i can afford a car i was thinking if i learned to ride a scooter instead it might make things more simple but are they cheaper to run than cars
What is the difference in Medicaid/Medicare and state insurance?
What is the difference in Medicaid/Medicare and state insurance?
Maternity Insurance...Anyone have it?
My husband and I are trying for another baby. And most insurance companies in TN say you have to wait 9 months for the insurance to take effect. So is there any insurance out there that will help without having a time limit and not Tenncare or WIC. We will not qualify for that due to our income.
Is this how liability car insurance works in general and when you grant someone permission to drive your car?
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else?s car. I called my car insurance and asked them and they said that insurance follows the car rather than a person. So no matter who would be driving it, it would basically be their responsibility. Now, would this also include letting your kid or a family member drive your car? even if they're not in the actual policy? It seems like when that is the case, things get somewhat confusing. I'd love to hear any input from anyone who ever has or currently does work in the car insurance world.""
Will lawmakers eventually create a national health insurance exchange instead of the state based exchanges?
Also, is it possible still for health insurance companies to be given the freedom to sell their policies across state lines?""
""My car was towed, I still owe payments, No insurance...Now what?
Okay...so first things first.... My car was towed without insurance. I do still make monthly payments. I was in a wreck 2days ago :/ and my car finally died today (Radiator gave out) ...show more
Sued by insurance company?
i'm 25 and get health insurance through my work. But just recently, they've upped the fee for it: from $4/paycheck to $8/paycheck (that's weekly, not biweekly). I'm technically still able to use my dad's insurance till i'm 26 and i figure, if i can save $8 a week, then why bother using it through my work at all? But my supervisor is trying to tell me that if my dad's insurance company finds out that i'm eligible to get insurance through my work and don't use it, then they could sue me. Is this true? It shouldn't be up to them which insurance i use. I shouldn't have to pay for something i can get free somewhere else.""
What is the average of insurance cost for a 19 year old?
I've been looking around online to research costs and from what I've seen it averages around $150. $200 at the worst. But my mom tells me I have to pay $440 dollars? Like wtf. Even four of my friends, who are still 18, pay around $170 or so. Is she just bullshitting me? I have never incited any tickets and drove safely when I was 18 and still now at 19. I'm not sure what to say to my mom. I told her about how others are paying wayyyyyyy less. I'm thinking the insurance is just cheating my mom or something. Anyone have any idea what I should do? I remember my mom asking me to give her my transcript to show I have a GPA above 3.0 to lower costs. And now she tells oh it's $440 .. I don't know what's going on. I'm not very well spoken in my native language so there's some issues talking about this.""
CAR INSURANCE for a17 year old??
i just passed my test and have the old ford fiesta waiting for me to drive but atm the quotes i'm getting for insurance is around 2000 What are the cheapest sites for car insurance? Should i do Pass Plus?
How much will insurance cost after 2 duis?
I am 24 years old and live in Michigan and I received my 2nd offense DUI in April of last year. I've been sober ever since and have AA signatures to prove it to the board for license evaluation. If I get it back I will automatically have a Breathalyzer in the car for a minimum of when year. It won't start if it blows alcohol. You know how they work. lol. I was wondering if anyone knows approx. how much I will pay for insurance. Thank you in advance for answers.
What is the cheapest way to get insurance with a friends car?
I'm already practising my driving lessons and theory. Once I pass what's the best and cheap way to be insured.
17 cheap car insurance??
i live in the u.k im searching for car insurance for when i get my car does anyone no any car insurance companys that do cheap car insurance for my age or comparing sites. iv already tried compare the market and confussed.com links would be amazing thanks guys X
The course of insurance and risk management deals with what?
Works as who?
How much is it to get painting and remodeling permit and insurance in seattle WA?
How much is it to get painting and remodeling permit and insurance in seattle WA?
I don't no where to pay my insurance or how to pay it?
telling me how do i pay my insurance and where do i pay it
""If I report an auto insurance claim under my comprehensive, does it count against me?
Not sure whether to report an damage to my vehicle. I estimate the cost to be about $ 500.00 +. My deductable is $ 500.00. Any info will help :)
Can my insurance drop me?
Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!""
Is there a really cheap insurance for people on a fixed income?
my dad is legally blind and my mother is the only driver, they cannot afford to pay 150-200$ a month for insurance.""
How hard is it to start your own insurance company?
how much capital do you need or are there companysthat will front the money
About how much would my USAA auto insurance cost?
I am 16 and I will be getting my license... I passed drivers ed and get good grades I wanted to get a quote but the USAA website wanted me to give info such as social security and etc, and I do not feel comfortable giving that info. Can anyone tell me a rough estimate of what my auto insurance might cost per month?""
Convertible car higher insurance?
lets say there is a 350z Coupe and a 350z Convertible, is the 350z Convertible insurance cost more than the 350z Coupe?""
How to convince parents to let me have auto insurance?
I've had my license for a little over three months now. However, I have no insurance, and therefore cannot drive (in California). Their reasoning is that I am an unsafe driver which I disagree with because I quite easily passed my driving test at the DMV and always think before I do anything when I drive. However, they seem firm on their decision... It's a bit frustrating having my license for so long but still being unable to drive. I'm tired of having to always ask friends for a ride or my parents; I just want a taste of independence. Of course, I'm not trying to be too arrogant or stubborn, I've respected my parent's decision, it's just bugging me a bit now haha. I offered to do a six-month plan instead of a year plan since I'm heading off to college in Septemberish. I'm about to turn 18 in a couple weeks also. Does anyone have any advice?""
Am I paying too much for my health insurance?
I'm 23 year old and non smoker, I got my health insurance from my company's employee benefit, and I'm pay $29 a week for this coverage: $20 office visit $115 ER They pay 80% I pay 20% Deductible $470 Out of Pocket Max $3500 Am I paying too much? How much would I be paying if I get this benefit by my own and not from my company?""
Car Insurance..6 Points..(read on)?
I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks
How much will insurance go up? ?
How much will insurance go up if you are 18 and just got into an accident with a park car and only hurt there bumper?
How often does Geico lower their insurance rates after you have been with them?
i have been with Geico for almost a year and right at the 6 months my insurance went down from $90 a month to $77 a month... I think they do what some other companies do and lower every 6 months for not getting involved in an accident but i want to know for sure. if someone has the information for me that would be great... thank you:)
""So what would you suggest for my 1st car? has 2 b 5 door,cheap 2 run yet reliable & cheap on insurance??""
So what would you suggest for my 1st car? has 2 b 5 door,cheap 2 run yet reliable & cheap on insurance??""
Where can i get cheap car insurance? (young drivers)?
Im 17 and need cheap car insurance, any companies anyone would recommend? Thanks! :)""
Classic Car As A Daily Driver In Michigan?
I'm a hot rod & kustom guy, have building and restoring old cars for awhile now..love the looks of em and the feeling I get driving them, I'm opening up my own shop soon too. I drive a 2001 Grand Am GT and it's about to die 190,000 miles needs tires, brakes, bearings, engines making noises but for the price I paid and miles I put on it, it worked well. Now I need a new daily drive to school 72 miles round trip 2-3 times a week. I live in Michigan, was wondering what it would be like to drive an classic car as a daily...say a 1958 Chevy Bel Air with a 283 motor...the insurance is cheaper, easier to fix and find parts..but may be more in gas...just wondering if anyone drives a classic everyday and how is it in the winter...I'd have to figure out heat some how. I have many cars 1968 Caddy Deville on air bags, 1930 Model A Coupe hot rod, 1951 Mercury custom, 1956 Cadillac Deville...etc""
Cheapest car under 1000 to insure?
I'm 17, male and want the cheapest insurance possible.""
How much is State Farm Car Insurance per month?
How much is State Farm Car Insurance per month?
Is Nissan 240sx expensive to insure?
Is 89-93 240sx (S13) expensive to insure? I am 16. I would put this car under my mom's insurance. She never had an accident, ticket, etc. Also I never took drugs or any stuff like that, never been pulled over or something if it matters insuring a car.""
Is a 93' mustang hatchback cheap on insurance cause its a hatchback?
hello I'm 17 and i'm looking to get a car. I have always loved the 93 mustang.Its my favorite car ever.It is a hatchback so would that make it cheaper on insurance?? my parents always helped my brothers by putting there name on the tittle along with my brothers.I'm pretty sure it made it cheaper.There are only 2 cars that i really want either the mustang or a older honda civic hatchback.i like the way both the cars look.please help. leave you comments/opinions Thanks!
What are the Cheapest Veichles to insure in Ontario? or in general?
What are the cheapest to insure? or the cheapest to fix?
""If I am added as an added driver to a car, how much will the insurance be? Please see details:?""
If my parents were to get a mini 2004 for example, and they both have no claims and no license points, (so their insurance is about 350 each) how much would it cost to add me (a new driver aged 17) to their car. If one of parents was to be insured, and I was added as a named driver I mean. Roughly speaking. And yes, it would be a new car that my parents hadn't driven before. I am the UK by the way, so I am talking about not $. Thank you for all contributions!""
Average teen car insurance?
I have a '98 pontiac grand am thats in nice condition. can someone just give me a rough estimate, or what their insurance is or was as a teen""
How much would insurance cost for a subaru impreza?
I was wondering how much insurance would cost on a 2004-2006 subaru impress 2.5 RS. Not the wrx sti just the RS with the 2.5l 4 cyl. Without a turbo. How much would it cost for a new driver (between 16 and 18 years old) for full coverage on one of these cars. I would like number answers if possible. Thanks.
How much does car insurance cost.?
I am 18 and ready to get my drivers license but how much does car insurance cost per month on average.?
Total lost car INSURANCE?
I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME""
What factors affect car insurance premiums?
My mom is going to give me her old car once she gets a new one, and she said insurance is about $100/mo. My friend asked what insurance would be and I told her, and she thought that was really low The car is a 1999 saturn SL1 and it's standard, is the insurance cheap for this car? My mom has a great driving record I'm now wondering what affects car insurance premiums? I know age, gender, driving records, and other stuff.. but what else?""
Where's the best and the cheapest insurance for a moped?
Where's the best and the cheapest insurance for a moped?
How do I find the cheapest car insurance?
My rates always go up even tho my wife and myself have clean driving records, we drive a 2012 Chevy Traverse and an old 1998 Dodge Ram, how can I find more affordable insurance rates? Thanks!""
Pittsburgh car (auto) insurance?
Where can I get auto insurance in Pittsburgh? What do you recommend? I bought a car recently and I'd like to find a cheap way to insure it.
Car Insurance?
anybody know what the Uk cheapest car insurance for somebody with 15 years no claims discount car engine size 2.8cc?
Seriously...How do you really understand your car insurance coverage?
It's certain things that the company doesn't make very known about how much is paid if an accident occurs. Can someone help me? I recently purchased a policy with Geico. 500 deductible on comp and colli. Still owe 14,500 on car and it's only worth 10,000 per blue book. My goodness. This world is not fair. Father save us. So many people out to get over on consumers.""
Would zero demerit points mean that my insurance rates wont be effected?
In terms of my driving record, etc?""
""Someone hit my car, do I have to report to my insurance company risking the rate increase?""
Few months ago somebody hit my rental car in their rental car during vacation. Other party's fault, he admitted, police report confirms this is his fault. Both me and the other party were insured. The other party seems to be reasonable. Now I have a repair bill, few thousands. I am reluctant to report this to my insurance company, since I heard over and over again that even though it's not my fault my rate can and probably will still go up (read here if you don't believe http://www.carinsurancecomparison.com/does-your-auto-insurance-go-up-if-someone-hits-your-car). I think this is ridiculous, but that's the way how things are. So is it possible, and is it a good idea that I contact the other party insurance myself without involving my insurance since my case is a clear cut case? Are there any pitfalls that I should be aware of?""
Why insurance companies charge more simply on your car color?
I bought a 1991 Ford Mustang and the color of it is Red. My best friend has the same car, we both have same company, same age, same ticket-free record. And on our insurance bill we got showing the coverage, my payments were $28.50 more than his. I called them and they said it was because of the color of my car. His is blue. Why is this?""
Is home insurance quote negotiable?
Just got a new quote on home owner insurance. It is slightly better than my last insurance company, but not by much. Is this quote negotiable? Or it is what it is, take it or leave it?""
Car Insurance..6 Points..(read on)?
I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks
https://www.linkedin.com/pulse/does-compare-meerkat-do-cheap-car-insurance-william-golden/"
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Putting someone on my car insurance policy?
"Putting someone on my car insurance policy?
Can i add my brother and his car to my insurance policy? He doesn't have insurance cuz he can't afford the whole big down payment to start his own policy. Can i just add him and his car to mine? I don't drive his car and he doesn't drive mine, so would that work?
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr
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My wife and I are both working and we have a baby now, I'm thinking of getting life insurance, but have no clue where to start. There seems to be a bunch of options...and advice/suggestions on how to get started? Thanks.""
Health Insurance Florida?
is there any health insurance available for a 23 year old in the state of Florida I make $600 a month but I don't have much leftover after I pay bills and the free clinic is always very crowded I can never see a doctor and I know my health is very bad so is there any health insurance that is similar to Medicaid I used to have that when I was a kid and you were able to see a doctor with that I am hoping to find insurance that's is affordable and doctor offices will accept thanks in advance
Taking new car home with no insurance?
So the car is in my Moms name and she has insurance, but she has to drive her car home, meaning I have to drive the other one. I don't have insurance, but we are getting GAP insurance. Is this safe? If I damage the car are we covered?""
What is the cheapest auto insurance for teens?
I can't find a policy under $1700, Or even anything under $290 a month. Houston Sucks!Im 18 and I pay more than anybody in my entire family.""
How much does my auto insurance go up after my first ticket?
I got my Drivers License a month back. Today I rented a car (and fortunately with a full insurance cover) and ran into another car and got a ticket that says Inability to control car or something like that. I am planning to buy a car pretty soon. Could any of you give me an idea as to how much my insurance will be effected as a result of this mishap? I would appreciate any replies.
Will this make my car insurance cheaper?
Hi, I'm only 15 so not anywhere near needing to buy car insurance, but unlike most teenagers, I am very interested in cars, and am already thinking about my first car, obviously I won't be getting an Aston v12 vantage, but I'd like a decent car, at the moment during the holidays I have junior driving lessons on an airfield, which are proven to make young drivers safer, I will have probably have had around 10 by the time I'm 17, will this make my insurance cheaper? Or will it just be for my own safety? Thank you""
What happens if your driveing a car with no car insurance and someone hits you.?
We live in California. My seventeen year old was driving our car that was uninsured and was in a accident. The other driver admitted it was his fault and there insurance company has already claimed full responsibility. What I'm wondering is what will happen when they find out we have no insurance. I did yake my son to the doctors and they said he does have wip lash but will be fine
Why didn't GW make an effort toward affordable health insurance for the Americans w/o any?
Why didn't GW make an effort toward affordable health insurance for the Americans w/o any?
""Geico Car Insurance, help? what do i do?""
Hey guys, my parents have three cars and all have geico insurance, but we're about to be out of country for a month or two and not even going to be using the cars for one or two months.. Is there a way that we can cancel/pause the insurance, so we won't have to pay insurance for a month. I mean we're not even gonna be using the cars, so were losing 1,200 dollars for absolutely nothing.. And if you can, can you explain it or just give me a link? thanks""
Putting someone on my car insurance policy?
Can i add my brother and his car to my insurance policy? He doesn't have insurance cuz he can't afford the whole big down payment to start his own policy. Can i just add him and his car to mine? I don't drive his car and he doesn't drive mine, so would that work?
Does anyone know a cheap liability insurance company for an 18 year old?
Please let me know asap. Thank you!
What insurance company do you have and how much do you pay monthly?
I'm just wondering, I'm about to get my first car (I turn 16 in 2 weeks) and I'm just trying to decide what's the best insurance for me, and I have a job so I'm trying to calculate how much money I'd have to make to be able to pay for insurance+gas. Soo what's your insurance company, how much do you pay a month, and how old are you? thanks guys:)""
Cheap insurance for 18 year old?
does anyone know any cheap websites or company's because on all the comparison websites im getting 3500 pound for a 1.1 Peugeot 106, and that's third party fire and theft :( please help because this is ridiculous.""
Do I need additional Insurance when renting a car in the USA?
I have full car insurance in the UK. Does this cover me when I rent a car in the USA or do I legally have to take out further insurance?
Which is a reputable life insurance company to get whole life insurance without a physical exam.?
Can you name a few companies where I can take out a life insurance policy against myself, my husband without take a lenthly physical exam.""
Cheap car insurance for young male drivers?
where is the best place to get cheap car insurance for a young male driver??
""Court date for driving w.o car insurance, what are my likely outcomes?""
I got tagged for driving w.o car insurance in January, now I got a letter in the mail to attend court in a week for the incident. I live in MA where it is illegal to be uninsured and by law your registration also expires as well. I've already been towed and got my car back, now I just have to attend court. Any ideas what's going to come out of this? I have a perfectly clean driving record.""
How much is motorcycle insurance for a 150cc moped?
I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no ...show more
Why is it cheaper to obtain car insurance for self + spouse that for just self?
Why is it cheaper to obtain car insurance for self + spouse that for just self?
Have a Teenage son 18 and Want Car insurance let me know how much you paid and what Insurance co and what Car?
Thanks
How much will my insurance go up?
A few weekends ago I backed into someone's car who was parked. The damage was not extremely significant; it gave him a small scratch that will be easily buffed out and a small-ish dent more on the underside of the bumper. I gave the guy my insurance info and everything, and he is going to file a claim. My question is, since the accident is pretty minor (thankfully) will my insurance skyrocket or anything? I am unfortunately a 17 year old male who recently got his license a few months ago, so I know that doesn't help. Any ideas?""
Bankers home insurance in Florida dog question?
I currently have bankers home insurance for home insurance and wondered if there are any dogs that are not allowed or would cause my insurance bill to go up?
About how much is high point auto insurance a month?
Well, I just recently got my license and I wanted to buy a car, but my mom said that it's a bad idea and one of the reasons is because of how expensive insurance is. My friend told me her insurance- high point- is only 60 dollars a month. I'm not sure if that's true, because that sounds really really cheap. Does anyone have this or know approximately how much this auto insurance would be a month?""
Car insurance... HAVE THEY GONE MAD?
Basically I am 16 and looking to buy a car that needs work, so that I have a car for when I pass my driving test. I have pretended I was born a year earlier which would make me 17 and eligible for insurance, but all the other details are true. I have also added my dad on the policy and the cheapest I got quoted was nearly 4000, and it's not like i'm going to be driving a rocket ship its a 1989 subaru justy 1.2l engine, which I have valued at 500 (double what its worth). Thus I am struggling to see why it costs so much?? BTW IT'S FIRE AND THEFT NOT EVEN FULLY COM""
Im 19 need health insurance?
Im 19 and I really need affordable health insurance. Neither for my parents can afford to put me on their insurance. Also i have a few preexisting medical conditions that makes it harder for me to find insurance.
How can I get cheap car insurance as an 18 year old in the SE UK?
I can't seem to get anything less than 3000
Do I have to transfer my car to get an insurance discount?.?
I'm moving back home for the school year because my parents live in the city I'm attending University at. I have my own car and my dad was telling me I should probably transfer the car into his name for ease, as I would get the house hold discount rate. To me this doesn't make any sense, and I know how controlling my parents are, is this another way for him to have some control on me?.. Or is this legit?.. I've never had any special rate or whatnot, I've been paying my own insurance since my first car. I just want to know. Does he need to OWN my car before I can be put on the household discount? * Both of our insurance plans are state farm if that helps* - Thanks in advance.""
Cheapest car insurance in san antonio?
Cheapest car insurance in san antonio?
Car Insurance???????????????????
I am going to be 17 years old in April and I want to get my license. I was just wondering how much my insurance would be. I am a male and I live in New York, more specifically my zip code is 11040. I am a good student (3.5 gpa) and I have taken drivers ed. With these discounts how much do you think my car insurance would be with State Farm (my parents have state farm? And the car i am going to insure is a 2009 Honda Civic (blue). Can i have a specific number range?""
Dose Insurance Pay For Contact Lenses?
I Want Contact Lenses , Will My Insurance Pay For Them?""
What is the cheapest car insurance for women college students?
19 year old female. 1999 Toyota 4runner
Does anybody know cheap autoinsurance company????
Does anybody know cheap autoinsurance company????
What car insurance should i get?
I am 17, and im looking to buy my first car. i am looking for car insurance that is cheap but is also good.""
What is the best insurance policy for a child age 6.5 year?
What is the best insurance policy for a child age 6.5 year?
Why arent car insurance comparison sites easy?
I am really confused how to use the damn things, for example i am trying to find a cheap quote but it keeps on asking when i want the policy to start?? When i do not want it to?? What policy date should i put in if i am just trying to find cheap insurance, not wishing to start it. Help is much appreciated!""
Putting someone on my car insurance policy?
Can i add my brother and his car to my insurance policy? He doesn't have insurance cuz he can't afford the whole big down payment to start his own policy. Can i just add him and his car to mine? I don't drive his car and he doesn't drive mine, so would that work?
https://www.linkedin.com/pulse/good-cheap-auto-insurance-alexander-collins/"
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audi a7 insurance cost
"audi a7 insurance cost
audi a7 insurance cost
BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr
RELATED QUESTIONS:
Can Geico save you 10% on car insurance?
Bonus question: I have AllState, am I in good hands?""
Can't afford college Health Insurance...?
I need some type of advice regarding my options. I feel like i've hit a dead end. I have a 4.0 and financial aid, however my state requires student have health insurance... and the only insurance my school offers is over $80 a week on top of the $85 a week lab fees, dr visits, and meds because I have a severe blood disorder and need to go get my blood check every week. I also have specialist visits once a month. I have medicaid right now and if I go to school at all I will lose it and I can't afford the student insurance. It would total up to be more than my rent each month not to mention they don't cover pre-existing conditions. I feel totally hopeless. I'm willing to move to another state if necessary where insurance is more affordable. I just really wanted to go to medical school and now I feel like my future is shot all because I'm not healthy.... Also, i can't take out a loan because i don't have credit being so young and although I was born in this country and my parents were from here, they relocated to a foreign country so they can't help me either.""
Teen car insurance cost?
Hi! I was wondering what some of you think a 6-month insurance policy for a newly licensed 16 yo driver would cost. Area- Rural N. CT. Full coverage on 2007 VW Rabbit and 2000 Ranger. Minimum coverage on 1999 Cadillac STS. Good student discount + drivers ed discount. I'm hoping for the $400 range on a 6 month policy, or $800-900 on a 12 month. Thoughts? Rate testimonials?""
I am looking for insurance I am 18 I dont work I live with my god father but he doesn't have insurance either.?
And I was wondering if I could get free insurance in Mo
If i cancel my auto insurance before the 6 months are up will i get money back?
i gave 730 dollars for 6 months of insurance in april and it expires in september...but im selling my car an not driving it and want to take the insurance off....will i get money back after i prepaid for 6 months even tho i didnt use all 6 months?
How can I find affordable health insurance for small business owners?
How can I find affordable health insurance for small business owners?
""Where do i go if I'm pregnant with no insurance in Houston, Tx?""
i am pregnant for the first time, i do not have any insurance and i don't even know where to go get my check up, and what do I need to be checked on so that my pregnancy will be ok.""
How can I take out life insurance on another person?
My father owes me money and I owe alot of money because of him. I'd like to be able to take out life insurance on him incase he dies before he pays me back. How would I go about doing this? I'm trying to figure out how to take the insurance out on him (since he owes me). Not have him get life insurance and then make me the benifactor himself.
How do I find the best car insurance rates?
How do I find the best car insurance rates?
Which are the cheaper car insurance in UK?
Which are the cheaper car insurance in UK?
Citation for no proof of insurance?
I got a ticket for no proof of insurance and passengers not wearing seat belts about a month ago is there a way to fight it. Also the cost for no proof of insurance is like $930 is that right because i'm not really sure if my parents had insurance at that point because they were transitioning from one insurance to another. It was in northern California if that helps.
FIRST CAR INSURANCE in London UK?
I am 18 years old will be 19 this month I want to by a car i have 1500 saved for it and now need to save for insurance road tax etc. my main worry is the insurance ive recieved quotes of 3500 i can not afford this I WOULD ONLY LIKE TO HEAR FROM PEOPLE WHO HAVE BEEN IN THIS SITUATION CAN YOU PLEASE LET ME KNOW WHAT QUOTES YOU RECIEVED OR HOW MUCH YOU ARE PAYING
I have a polish worker were can i find cheap car insurance for him?
I have a polish worker were can i find cheap car insurance for him?
""My husband has bad knee pain, but doesn't want to go to the dr. due to having no insurance.?""
my husband dislocated his knee 3 months ago and has been in excruciating pain lately. He can't bend, walk on, put weight on his knee without it giving out and making him fall. He wont go to the dr, since we don't have any insurance (in orange co, calif) and he feels that IF he does go then they will put him in a brace or something that will hinder him from working. And since we are living paycheck to paycheck we can't afford to have him miss a lot of work. Meanwhile, he is in a very, very grumpy mood (which I can understand) and he keeps getting himself drunk so the pain will go away or is more manageable yet we all know that it wont help. Is there any advice as to what to do to make him go to the Dr? or does anyone know of a place that we can go that will actually help him out with the xray/mri/ct that he will most likely need??""
Do insurance companies have a specific category for rock crawlers and how much does it cost to insure one?
I want to buy a rock crawler and the only reason I would probably insure it is just so I could drive it on the street ocassionally not as a daily driver that wouldnt be to smart anyway depends though
Honda s2000 insurance cost ?
im sixteen and i live in florida. My parents are buying me a s2000 and i wanted to know about the insurance cost? Would it be cheaper to be added on my parents plan or have a single plan?
Can you transfer car insurance from one person to annother?
if you have paid upfront for the whole year and then you can no longer drive due to health reasons could you transfer your insurance policy over to someone else?
What is the cheapest way to get car insurance?
i passed my driving test yesterday and am looking at buying my first car but no matter what car i go fo i always get quoted around 3500 but i just cant afford that. does anyone know of any companies that specialise in young or new drivers insurance? and i would prefer less than 2000 lol xx
What's the best individual health insurance?
I am 27 and have no major health problems, but because all the jobs I have been getting lately are temporary gigs, none of my employers offer health insurance.""
Auto insurance rates question?
How is it when you buy a newer car, your rates increase, while there is no decrease as your car ages? Pure greed on the company's part?""
Did you get Affordable Health Care?
My husband & I have insurance & it didn't change but my daughter & family got Affordable HC. Their previous insurance was $1,200 a month. They are now paying $325 so there's was a very positive experience. We're in California. They had a really hard time getting into the wed site but persevered & are happy with the plan. It covers their eldest son who is in college & has Type I diabetes & their youngest son who suffers from asthma. Does anyone else on YA have a positive experience to share? What State are you from.""
How would a Universal health care public option put private health insurance out of business ?
How would a Universal health care public option put private health insurance out of business ?
Health care reform. Does it work?
Our new health care legislation is supposed to provide affordable health care and insurance for everyone. How exactly does that work? For example, I make about $37,000 a year. About $3200 of that goes to pay my insurance premiums. That's not really affordable, but, whatever. My job absolutely sucks. It's the worst one I've ever had. If I went to work at McDonald's or Wal-Mart, where would my affordable health care come from? Who decides how much I can afford to spend? No politician is going to be able to figure out how an ordinary American lives and what they can afford. I know this sounds like angry, bitter ranting, but it's a serious question. How does this work, if it actually does?""
Can you place insurance on a car that is not in your nam?
I drive a car that is in my aunt's name. She told me that I need to get my own insurance on the car, so that she can take it off of her policy. However I am not sure if I can place insurance on a car if my name is not on the title.""
Health insurance for kids 18 and older?
Hello. Im searching for health insurance for my daughter who will be 18 in about a year and half. We are both from California. Does anyone know of any coverage that can help that dont cost an arm and a leg...I dont have much money, and my insurance will only will cover her till shes 18. I just dont want her to be with out medical help when her 18 bday comes. Thanks for your help and please be nice.""
audi a7 insurance cost
audi a7 insurance cost
Oregon car insurance?
Can I give my daughter my car registered in my name and she get car insurance for it?
""Car insurance, help please?""
I'm 18 years old & looking into buying a used 2011 nissan Altima from a dealer soon. My mom will be a cosigner for it & I was wondering if I would be able to insure that car under her name as the primary & me as an additional driver? Insurance rates are just too outrageous & unaffordable for my age & for new cars with full coverage so I'm really hoping that it would be possible for her to insure it since she'll be a cosigner. Thanks for all the help & answers, greatly appreciated!""
What does comprehensive insurance mean?
I am trying to apply for state insurance for my daughter, who is currently on her fathers insurance through his work, and the rates have just gone up considerably. In the FAQ, it says that families who voluntarily drop employer based comprehensive insurance must wait 6 months to apply. Can someone please tell me what this means? Thank you""
Insurance california?
hi I'm an international student who goes to college in Iowa. I have a college insurance and I guess it convers most of meetings with doctors. Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have Californian insurance to stay here. What is this? Is it wrong? Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?""
Cant afford health insurance. can new york child support make me get health insurance?
my husband has another child in new york and we recently moved to pa and there trying to get him to get health insurance that he cannot afford. Can they do that or can he call them and tell them he cant afford it. He doesnt even have medical for our children or himself.
Just got in a car accident...I'm 16 we have USAA. How much will my insurance go up?
I was being stupid and driving too fast on a wet day. I spun out and hit a wall (thank god I'm okay) and damaged the back right on my car pretty bad. I know our deductible is either $500 or $1000 but my question is about my much will my insurance go up? I know its not going to be pretty since I've only had my lisense for 10 months...
How can i find good affordable insurance?
How can i find good affordable insurance?
Should I buy a 600cc or a 1000cc super sport motorcycle?
I am a fairly experienced rider, I have been riding dirt bikes since I can remember; I also have had my motorcycle licenses at age 15 and now I am now 17 years old. I have put over 10,000 on my kawasaki ninja 250r so this isn't for my first bike it is a step up because me and my dad both believe it is time. I have been looking at ZX6r's and r6's a lot but my real question is if I buy a 600cc bike will I regret it and wish I would have bought a ZX10r or a r10? Will I eventually feel like the 600 bike it's enough? Oh and I am looking to get a bike and keep it so that it will last me though senior year of high school and all of collage. I have looked at all different types of Motorcycles and the super sports have been my favorite by far. Any other information about the 600cc or 1000cc bikes and y'all's opinions on them and which ones you all personally like will be greatly appreciated! Thank you so much for your time for answering!""
What is insurance expense and preaid insurance ?
A review of the ledger of Khan Company at December 31, 2006, produces the following data pertaining to the preparation of annual adjusting entries. 1. Prepaid Insurance $9,800. The company has separate insurance policies on its buildings and its motor vehicles. Policy B4564 on the building was purchased on July 1, 2005, for $6,000. The policy has a term of 3 years. Policy A2958 on the vehicles was purchased on January 1, 2006, for $4,640. This policy has a term of 2 years.""
Sports car insurance for a 17 year old with a provisional license?
Someone who will not cost the earth, up to group 14, uk.""
How much would US insurance cost?
I am driving across america with a friend in a 1975 Camaro so I need us car insurance. I am 18 (Full UK licence) and have had no claims. However I only need insurance for 3 months.
Which family car has the lowest insurance rates in Toronto and why?
Which family car has the lowest insurance rates in Toronto and why?
Do anyone have an idea about how the insurance of 1992 mistubishi expo cost for 19 years old male?
Do anyone have an idea about how the insurance of 1992 mistubishi expo cost for 19 years old male?
Insurance on a 05 Polo?
I'm 17 and wondering around how much would it cost to get insurance on my mums 2005 volkswagen Polo under her name? Thanks
Health Insurance Advice?
I'm currently laid off and need insurance for myself. I'm not sure what insurance company to go with. Also I'm not familiar with how health ins works. Like deductibles, co-insurance percentages, office visits covered or not covered. I don't go to the dr a lot but recently I've been in a car accident and will be going to the dr more often. I also don't want to pay that much either.""
How old must you be to have classic car insurance?
is their any age you have to be for classic car insurance as i have been looking to buy a ford xr3i and i am 17
Has anyone ever had short term car insurance ?
how much is it ? i work alot in the summer so i only need a car for a month please help am new to this.
Will my insurance increase of I get a body kit.? ?
Im planning on getting a 1.4 pug 106 and I was going to get a DIMMA kit for it and 205 gti alloys. Will my insurance go up..?
What is a good car for a 17 year old. and what is the cheapest insurance?
What is a good car for a 17 year old. and what is the cheapest insurance?
Will one point on my license make my insurance rate increase?
I have been driving for about two years. Being a new driver, my insurance rate is of course considerably high (on a side note, I think auto insurance is legalized theft). Now. Aside from that, I received a speeding ticket. It was 83 mph in a 55 zone. Oops. In court, the judge reduced it from two points to one point on my license, and the record now shows 64 in a 55. Should I expect an increase in my insurance rates? I am insured with Allstate.""
Which insurance company is cheapest for young drivers?
MY MOTHER HAS 4 YEARS NO CLAIM BONUS AND I JUST GOT MY LICIENCE AND LOOKING TO GET INSURED ON A CLIO 1.2 OR CORSA1.2 WHICH INSURANCE COMPANY IS THE CHEAPEST?? THANKYOU!
Is there a place I can get affordable life insurance?
Is there a place I can get affordable life insurance?
Insurance rates increase after claims?
If I was in a car accident and it was my fault. My insurance rate will go up. But now if the person I hit claimed Diminished Value and Pain and Suffering would that raise my insurance rate even more since my insurance company is paying out more. Or how does all that work out? Thanks in advance!
Will going to Driver's Ed make our insurance rates go up?
My mom tells me she doesn't want me to go to Driver's Ed because once insurance sees there's another driver on our plan, they will make the rate go up, or something like that... Is this true? Btw, sorry if I misused the apostrophe s in Drivers""
""I need car insurance quotes from competing companies, how do i get that?
I need to get a list of car insurance quotes from compteing companies. Does anyone know of a good website that allows you to do that?
audi a7 insurance cost
audi a7 insurance cost
High insurance on car?
Ok so I really don't know much about cars or insurance and I really want this (Nissan 350z) but someone told me it has high insurance ..what do they mean by that? If my car gets damaged it will cost more to repair? Idk..someone help though!
Are quad bike insurance cost more than a car?
and my car insurane would be about 8 grand
Insurance Company?
Does anyone know personally about the celtic health insurance. is it a good insurance company? I am needing insurance and I recently found the celtic health insurance company, and Humana. what do yall know about these?""
How much would it cost to insure a large SUV for a 16 year old?
I have always wanted this car: http://pictures.topspeed.com/IMG/crop/200608/2006-toyota-sequoia-1_460x0w.jpg The Toyota Sequoia. I know it gets crappy gas mileage, but ive seen worse. And plus Im not gonna be driving that much either. my school is very close to me, along with all my friends houses. But how much will insurance be at your best guess? Also, if I don't blow off gas, and waster it, how much money do you think I will pay per month in California? Dont try to tell me that I am not old enough to be behind an SUV, because 1) Im going to be learning how to drive from my parents in an suv, so i will have some experience 2) my parents want me to get an SUV 3) Im not a dumb a** whos gonna go 50 mph and try to cut a corner and flip over. Bottom line is, im getting an suv and thats that.""
Insurance resposibility?
I am a policyholder of a vehicle, and if someone borrow my vehicle and cause a accident, who will be responsible for paying the damage, his ins or mine. and what happend if he does not have insurance coverage""
Should medical insurance be only for childrens?
I am doing a paper on medical Insurance for my class project I have 10 question that I need answers too.
Will my insurance cover someone else's car that has no collision insurance?
Will my collision insurance cover someone else's car that has no collision insurance when I get into an accident while driving that car?
How much do you pay for car insurance?
I know that you cant tell me exactly how much car insurance would cost for me so I am asking how much you pay for car insurance? If you are around 18 years old and drive and older car and have good grades how much do you pay per month for car insurance?
Anyone knowing the best/cheapest auto insurance for young drivers?
Hello! I am a young driver (19) who is looking to buy a new 2007 ford mustang (the deep red color). I really want this car but it looks like there is no way that I will be able to afford the auto insurance for this thing. Anyone know the best company for me to speak with? Any advice or tips will help. Thanks!
Insurance for low income disabled person?
I only make $7.14/hr at my job, got cut from my old insurance due to no longer being able to afford it, I have a learning disabilty and have no medical insurance to go to the doctors. What are some good affordable/free insurance for low income families?""
Health insurance for college students?
I'm going to be a sophomore in college and I don't think my college offers health insurance. I'm looking for cheap health insurance that'll cover me for check ups with my pediatrician, visits to the dermatologist, and prescription drugs. Suggestions?""
Looking for health insurance. I am on SS but not yet eligible for medicare. Only get $300 on SS?
I took early retirement at 62. I am now 63. I only get around $300/mo Social security. I do not qualify for Medicare until age 65. I cannot find affordable catastrophic health ...show more
Do you need your own insurance to share your parents car?
How much would it be to share my mums ford focus, I'm turning 17 soon (posted a Q earlier and realized I don't have nearly enough money.. What else would I have to pay for if I shared with her? I have no idea about cars. THanks""
Im 19yrs old and i wanna know how much will my car insurance will be..???
Im 19yrs old and i wanna know how much will my car insurance will be..???
If someone kicked car and left a lage dent will my insurance company pay for the repair?
some jackass kicked my car so now i have a huge dent just wanna know if insurance will cover the cost of fixing the dent and if my insurance will go up? thanks for your time.
How long does a stolen car have to be gone for the insurance to pay for you for it?
My neighbor told me the other day that their car was stolen on New Years. It was found yesterday at an apartment complex down the street. It left me wondering how long your car has to be gone before the insurance will pay you the value of the car? I assume they will pay for a rental car but you can't assume that your car will be found right away and if it is gone for a long time (3 weeks or more) will they pay for a rental that long?
Free Insurance Quotes Online?
Hi, I just bought a car and I need to get insurance asap so I can drive. A friend told me you can get free insurance quotes from websites online. Is it true?""
What is a good insurance company for health insurance?
in a month i will need health insurance for my wife where can i go to get good honest help do you know of any insurance companies to stat away from or recommendations
Cheap Insurance For Teens.?
I am 17, and I live in KY. Know a cheap company?""
Least Expensive Car Insurance in AZ?
I need to switch car insurance companies this month...I am currently with Geico...but its in ALabama...and if I stay with them and switch to AZ, my policy doubles!! I have two accidents and a ticket on there...So i realize I can't get it super low. But does anyone know of a really inexpensive company in AZ? Thanks!""
How much does auto insurance cost for a teenager?
How much does auto insurance cost for a teenager?
Lowered my car insurance deductible yesterday and today hit a tree:)?
i lowered my car insurance deductible yesterday and today my car slipped and hit a tree due to severe snow here. should i file my claim right away or wait few days?? my insurance company is kemper direct the agent changed my premium to 500 from 1000 deductible...
Can i get car insurance.?
my boyfriend and i broke up,and we bought a car together, hes the one with the name on the title,but i pay for the car payments as the co signer,his credit was better htan mine,the car was for me.though.he no longer will help pay for it,the insurance is for the both of us,am i able to get the car insurance under just for me if he doesnt drive it at all.""
Can I ask someone else to buy the insurance for my car?
I only have a temporary driver lisence, and if I buy a car, how can I buy the insurance for my car? The temporary lisence cannot buy the insurance. Can I ask someone else to buy it? I am in CA. Thank you!""
Question about college health insurance?
If my current health insurance is expiring this end of December, am I able to opt-out of the university health insurance for this fall and reapply for the university health insurance for the spring term--just to save money?""
audi a7 insurance cost
audi a7 insurance cost
Is a 1978 lincoln mark v cheap to insure?
i am looking at a very cheap car to insure. i was looking into one of these classic cars. i currently drive a 1995 ford explorer V6 and its RWD that costs $140 a month on insurance and it gets worse gas mileage than a 1969 lincoln mark iii. as far as i know, this is a 34 year old car and registration is probably gonna cost 50 bucks or less and i live in NH. im 19 and have no tickets or accidents, will the lincoln mark v be cheaper than my explorer. i only have liability""
I have a question about a my car insurance PLEASE HELP ME?
Okay I was in a car accident on May 7th. I was going north towards main street. there was a vehicle in front of me. The vehicle in front of me merge to left as if he was waiting for someone to come outside. He didn't have no signal light or hazards lights on. So I merge to the right pass him so the guy must didn't see me so he hit my right front end bumper, headlight, and door. So I didn't have my insurance in the car so I got a ticket and the other guy had a ticket because he didn't have insurance. On the police report it said he had a left sgnal light to turn in is driveway. Just to remind you that the vehicle doesn't belong to the driver and he had a NY license. My insurance liability told that he couldn't contact the other guy to see if he had insurance and send him letters. So he told he's going to put it's not at fault but I have to pay for a $500 deductible. But WHY?????? if he didn't look at the cars but he's going to basis on paper work. Is that wrong? or should I look into some more??????? HELP ME""
Car insurance after accident?
I am 18 and have been driving for 1 year, I used to drive as an additional driver on my Dads Renault Megane, I crashed it from spinning off and hitting a wall, luckily no one was hurt, I just had a few cuts from shattered glass. The police have arranged for me to have an interview next week to discuss the consequences, at the moment I have no convictions or anything on my licence, my Dad just bought me my own car and has said he'll pay for the insurance in full, it's quoted at 880 for a year if he pays in full, he was planning on paying in full in 2 days, I'm not trying to cheat the system, but if my dad pays in full and then I get a conviction after the transaction has been made, can the insurance company up my insurance considering I had no convictions at the time? I'm not trying to beat the system and cheat my way, I'm just curious as to what will happen. Thanks for taking the time to read!""
How can i find out if someone has insurance on me?
life insurance police
I need my car on the road to get me to work but the insurance is way to high?
Im 18 year old and need my car on the road to get myself to work but the insurance is about 2500 or higher. Does anyone know a company that deals with young drivers or knows a way around it to make it cheaper.
Medicare or other affordable health insurance?
I live in NYC, just moved here and need to find relatively affordable health insurance. Up till now was covered by plans through employers. Is Medicare decent coverage? Is it very different from others?""
What's the best place to get cheap insurance on an imported Mitsubishi L300 Campervan?
What's the best place to get cheap insurance on an imported Mitsubishi L300 Campervan?
Will I be dropped by my insurance due to suspension of license?
I recently had my California license suspended due to a failure to appear in court (yes I'm an idiot). Will my insurance drop me because of this? I am still paying my car off as well. If my insurance drops me, will that affect my car loan? Any help at all is greatly appreciated.""
Moped/car insurance question!?
hey i have just turned 16 and im thinking of getting a moped but what i want to know is if i had been riding a moped for a year, would i then have cheaper insurance when it came to insurning a car when im 17, seeing as i would of already experianced the road etc or would it make no difference? thanks""
Low Insurance Car For Teen Boy?
I am turning 16 in a couple of months and I need to know what USED vehicles would be best for low insurance. Nothing lower than 1998 and nothing higher than 2007. Please give me some suggestions. NO ugly cars either...
Are classic cars cheap to insure?
for example all cars older then 1990: trans am and camaro's older then cadillac eldorado's older then rolls royce silver shadow chevy belair dodge charger chevrolet suburban mercedes 500sel mercedes 500sl and other american and classic european cars
Quote for Car Insurance!?
Hello, I need some help in with Car Insurance...............So, I want to purchase a Honda Accord coupe iES 1997-1999, I went on those car insurance compare sites and was quoted over 4000pounds!!! Here is the information I gave there, i was born in 1990, have license for 5 years, I have an international drivers license, I started living in the UK in April 2013, unemployed......Can someone please tell me why i was quoted so much money!! I even tried putting my partner who has been driving for 14 years and no luck! Is there any way for me to get cheaper car insurance? And is comprehensive or third party cheaper for me? Thankxx""
How much will insurance go up?
I'm 20 living in NJ. Been driving for about 2 years and under my parents insurance policy. I have no points on my license other than the ones that you start out with.I've gotten 2 tickets before but neither of them were point tickets and neither of them went to insurance. This ticket I just received was for speeding (over by 9 MPH). About how much will my monthly insurance rate increase by?
Cobra or individual health insurance?
If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""
""Under 1000 car, low insurance group, fuel effieient, help?
I'm looking to get myself a car for one year as soon as i pass my test so i can get a no claims bonus. what car would be best to buy (used) what year (reliable or not too difficult to keep maintained by me alone.) It needs to have a low monthly running cost and be almost guaranteed to survive without major (>150) parts replacement over the year. and it needs to be in a low insurance group.
Whats a cheap affordable classic for a young man?
im 20 had my lisence for over two years but i can never afford insurance! i dont live with my mummy and daddy so i cant blag there insurance, and i also cant borrow money from them! so if you have ideaas for me i would prefer a TAX exempt classic? any ideas? thanks""
Health insurance. Self employed.?
Hello. I am 24 and self employed as a driver. Live in Minnesota. Made little to no money last year after all expenses. Broke even. Have no insurance. Health insurance I mean. I have looked and everyone has plans you can buy from 68$/mo with 10k deductible and so on. All are pretty much the same for my age. Being self employed. Struggling to make money. Doesn't the state have their own low cost insurance I can apply for. Anything besides the Buy your insurance Today type deal. Thank you in advance !!!!!!
Need help with insurance quotes?
Can anyone give me an estimate on insurance for these particular cars. I work during the day so its a little difficult to call around to insurance companies for quotes. I am over 25, clean driving record, will be buying one these cars with cash, lives in florida. Thanks""
I can't help wondering who is going to pay the Doctors when everyone is paying for affordable insurance ?
And there are safety nets for drugs costing 100s of dollars and hospitals that cost billions of dollars to run. Who is going to pay for it? Seriously. The ACA? The small amount of money the Insurance companies collect because I assure you it's much less than the Cadillac Plans of yesteryear
How much is car insurance cost likely to go down between age of 17 and 23?
I have not passed my theory or practical test yet and had a few years break from driving but aim to complete it and pass this year. How likely is it that cost will decrease due to age? Also I aim to take the pass plus test as well I live in the UK if that helps thanks
Insurance and baby drama?
My boyfriend has another daughter that is placed on his insurance as is our daughter. Will this other kid effect my daughters benefits for being on his insurance along with the other kid?
Is it absolutely necessary to buy insurance when renting a car?
I am renting a car for 5 days. I'm not sure if my own personal car insurance covers for a rental, but I'm pretty sure it doesn't. Its almost $100 for the insurance that they offer! Seems like a trap. Is it absolutely necessary to purchase it? Thanks""
Car insurance coverage question...?????
I have state farm. there's an expectation of a severe storm with softball size hail heading our metroplex. I'm in the middle of switching car insurance. The coverage will expire april 10, 2008. Will state farm covers me if I have hail damage on the same day it's expired?""
How much would insurance cost for a 2011 mustang v6?
I am 18 years old, I currently have an 03 Tacoma 4 door Prerunner and my current insurance rate is around $210 a month. I live in Louisiana, I average around a 3.0 GPA and I have saved up and I am really close to owning a 2011 mustang and I was curious if someone could give me an estimate on around how much the insurance might cost. Thanks""
How much will an average full coverage insurance for a BMW motorcycle cost. Type k1200r.?
I have no traffic violation and perfect credit record. I am 56 years old.
audi a7 insurance cost
audi a7 insurance cost
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Liverpool Pennsylvania Cheap car insurance quotes zip 17045
"Liverpool Pennsylvania Cheap car insurance quotes zip 17045
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
BEST ANSWER: Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr
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I have a private health plan and a preexisting condition that requires taking daily medication, an annual checkup, and a test every 5 years. Other than that I'm young and in great health. My understanding of the law was that it would increase premiums on people without conditions to pay for people like me that have a preexisting condition. So why did the insurance company send me something saying if I keep my current plan I'll pay 25% more and that the 2 alternatives are more expensive with lower benefits, plus it said I could lose all kinds of other benefits. I'm going to call the insurance company tomorrow, but before I can call can someone explain the basics so I know something before the call?""
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When I turn seventeen, I plan to get a car. I've seen a 55 plate golf for 3,995 which I'd like. My Friend has a 1.6 Punto, and at 18 years he pays just over a grand.. so i figure the golf won't be too bad.. how much would it cost to insure? And no links to sites please, I can't check yet.""
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Liverpool Pennsylvania Cheap car insurance quotes zip 17045
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
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I need a descent health plan that will cover prescriptions. I am still young and don't need much but I do have a prescription to fill that is about 250 without assistance. So I guess what I'm wondering is if I get all of them through a company like State Farm, will they give me a price break since I use them for everything? Thank you.""
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I just got my license. A quote for a '88 Honda Accord from Geico came up to about $300 a month for 6 months. Is this normal? If no, where can I get cheaper insurance. I live in ...show more""
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Liverpool Pennsylvania Cheap car insurance quotes zip 17045
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
""Can i get my medical insurance to pay for surgery to correct a covered surgery, if coverage lapsed meantime?""
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I have 12 years driving with not problems and not tickets, but my husband just got a speeding ticket a 90 miles por hour.The problem is that my insurance went up to the double. What can I do to get a better rate without removing him from my police?""
Auto insurance deductible?
I got into a wreck recently, it was not my fault and the other guy didn't have insurance. just got my damage estimate and it was 1400 with a $500 deductible. Since the wreck was not my fault and the other guy didn't have insurance at the time is there anyway i could get him to pay the 500""
Is there ANY way a 19 year old male can pay less than $200 for car insurance for a:?
2013 v6 Premium Mustang??
""Affordable dentistry in Dallas, TX?""
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Car insurance claim farce?
my son narrowly avoided an accident when a driver braked very suddenly they missed a junction, although he swerved to avoid hitting the car he hit a barrier at the edge of the road. a truck behind him then hit him and the insurance company says its my sons fault and are going to repair the truck under his insurance. In my opinion the truck should have been travelling at a safe distance to stop. I know my son did not stop safely either but now i have the opinion he should have just hit the first car and claimed the same way the truck is !! has any body got experience with this and do you think i should fight the claim? his insurance is already 1800, i don't want to see it go up!""
Car insurance question.?
If you are in an accident does your insurance company only pay to fix your car or can they pay you like cash for how much the damage costs?
How much would I expect to pay on insurance on a second hand Clio?
I'm taking my test soon and if I pass, there's a second hand Clio I like the look of. Just wondering, as I have no experience with buying cars, how much I would pay for insurance on an M reg Clio? And any extra costs? Thanks""
Is it true you get percent off your insurance?
like i have a drivers ed. class and im 16. u need to pass the drivers ed test with a 80+, but my friend said if you get a 90 or above you get like money off of your insurance. I just wanted to know if that statement is true?Oh and i live in NJ""
Can I change my auto insurance without extra cost.?
I just purchased a vehicle and had to get full coverage insurance. I have been with Safe Auto for over 6months. I changed coverage on 6-24. I have a bill due on July 11. I want to change to a cheaper insurance company would i be able to do this without more charges? Also would I have to pay the bill due on the 11th.
What is the insurance company here in Los Angeles?
That has hospital, prescription,medical of any kind , office visits,ambulances, dental, with a deductable and monthy premiums that are not too high.""
How much is insurance for a 2005 V6 mustang for a 49 year old women?
My mom wants a mustang for her birthday just to drive back in forth to work. What will the insurence cost for her
Will homeowner insurance rates go through the roof if Cap and Tax passes through the Senate?
HYPOTHETICALLY............If you are trying to sell a house, you get audited (like it says in the bill) and they say that you have to upgrade a whole lot of stuff that you can't ...show more""
How much could be the average insurance for a SMART car?
How much could be the average insurance for a SMART car?
Why would a African America have to pay more for car insurance?
Me and my friend writes for the school news paper. We did our own investigation like the local news will do sometimes.We both at two different times went to see a local and same agent for a car insurance quote . We are both the same age, No record of bad driving, No criminal record, also wanted insurance on the same car and same gender. The only different variable was race. I don't think time would of played part since it was only 1 hour apart. This offends me how the car companies can do this. I wondered why? Any information or missing links that can help us write this story?""
Motorcycle Insurance in Ontario help?
Hello, I am a 20 year old female looking for motorcycle insurance for a Honda CBR 250r with an M2. I have never owned a bike before and have a clean driving record. Like most people my age it is nearly impossible to get insurance that is affordable if you are under the age of 25. If anyone knows of an insurance company/brokerage that would give a quote below 2.5k a year please give me any way I can contact them. I live in the Ottawa area if that is any help as well.""
How can I get my nose surgery?
I have a schnoz and I had it operated on like 6 years ago when it was broken. I've grown into it badly I think and it's holding me back from being pretty. And I alwaaaays think about it in public and I am very self conscious. Does anyone know doctors in California who could try and run it through insurance? I feel so ugly.
Mom forgot to list me as a driver on car insurance?
So i've been driving four years , and i'm about to buy a new car as a 20yr old. I call to get a quote, and they tell me i'm not listed as a driver on my mom's insurance. What does this mean?""
How much would insurance cost on a 3.5 tonne recovery truck?
ive brought a 3.5tonne tow truck for personal use not business, i wanted to know how much would the insurance cost me? am aged 23""
Who offers cheapest auto insurance for 25 year old males in la?
give insurance estimates
How much extra is car insurance if you have points on your licence from speeding?
Is it worth attending the speed awareness course or does this not matter to the insurance companies.
I borrowed my parents car. am i covered under their insurance?
they forgot to put their insurance card in the glovebox so i got a ticket for no proof of insurance. The ticket will be dropped if i bring in proof of insurance. will it work to just bring in their insurance card? i do not drive their car very often. We live two hours apart
Insurance price doesnt change from provisional once passed?
I have been looking at car insurance now for weeks on all of the pric comparison sites and phoneing companys and the cheapest quote i got was 3000! thats on a 1988 mk2 fiesta. i i have a mate who is insured on a provisonal at 17 for 1000, he asked the company how much it will be once he has passed and they said it will stay the same, does this really happen?""
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
Boat insurance cost on average for a 52ft 1989 sailboat boat?
I am looking for what others may have paid, so when i do get a quote I know what to expect. If you have something to say that negative please don't respond.""
Can you name a place in so. California where I can purchase minimum legal auto liability insurance?
I would be greatly obliged if you didn't limit your answer to something like contact your insurance agent . For one, I don't have one yet, that's part of the problem. I currently have neither a car nor insurance. For my first car, I want to buy a car from one of the many people selling their used cars in my metropolitan area. But without insurance, I cannot drive the car home or even test drive it. I would like to buy the minimum liability insurance that is required by California law BEFORE I choose and buy a car so that way I can go to nearby cities test driving cars, and drive back the one I buy. I have tried shopping online for insurance. I went to all the insurance companies that are on TV plus several others. I came across two issues 1) they base the insurance on what type of car you have, and I do not know which one I am going to get yet, 2) they want to sign me up for complete car and driver's insurance, even though they claim to let me customize my plans. I do not qualify for the state liability insurance for low income drivers. Can you specifically name a place where I can walk in and purchase only auto liability insurance?""
If i have insurance on my driver s license do i have to have insurance on my car in Maine?
I am now told that it is mandatory for me to have insurance ON my license... does that mean I need it on my car as well?? I could use all the help I can get on this. THANK YOU!
""What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?""
I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before. I wasn't aware that the insurance expired , i thought it was at the end of the month. I didn't receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault. This is a genuine oversight on my part, but I'm not sure if they'll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that. Should i get a solicitor and does anyone know how much they cost? Will i be suspended from driving?""
Life insurance policy on live in boyfriend?
my boyfriend and i have lived together for 7 years and have a daughter together. he is alot older and if something happens i get scared of what would happen to me and the kids. ive already talked to him and he agrees that i should get a life insurance policy on him. just in case. is this possible? and can u reccomend anywhere i could get one? thanx
Question about car insurance...?
Me and my partner are looking to buy a car. He is the only one who drives and so the insurance would be for him. We have noticed that all insurance policies ask whether you have any children under the age of 16. If the answer to this question is 'yes' it significantly increases the insurance quote. I am currently 15 weeks pregnant and so at the time we take out the policy we will not have any children. Would it be ok for us say no to the question about children as technically we wont have any? Thanks
Lower car insurance?
I was wondering where i could find a class to take driving lessons to lower my car insurance and if that is even possible??
Can you get car insurance for a vehicle you build from the ground up?
I am considering building a car from the ground up as a project. I have noticed that there are similar cars that are collectors, but none with the creature comforts todays cars have, so I was interested in attempting to meld the old and the new. Is it possible to get auto insurance so that you can drive such a car on the road?""
Do you need car insurance for a primary car in the state of NJ even if you plan on using someone else's?
Hi, I am a probationary licensed driver in the state of NJ, and since I live with my mom, I was told by an insurance company that I need to have insurance on my mom's (primary) ...show more""
What would be the most inexpensive insurance for me?
Im looking to buy a car. I don't know what kind yet because I don't want to get a car that's going to have me with really high insurance. I'm 19. I don't really know much about all this . Any and All advice would help . Thanks :)
What is insurance? Pls tell me what are the different types of insurances?
Insurance
Vehicle insuranse rate with new increasing cameras.?
I was wondering if auto insurance is lowering their rates due to new speed cameras , red light running traffic cameras, and right turn cameras are starting to rise in the county. Now is this something the auto insurance companies look at to make rates for county or city of which we reside in?""
What are the cost of car insurance?
I'm a 17 yr old female, just recently got my g2, i live in ontario canada and was wondering what my insurance cost would be per year. i will be registering as a secondary driver, and there are currently 2 cars, and will be getting a third one, for me. i have talked to friends and found out that they pay about 200 bucks a year and depends on my parents driving records. Is it possible to pay just 200 dollars a year as a secondary driver?""
Car Insurance Issues?
So I've just passed my test, looking to purchase insurance on a car (peugeout 1.1 fever) and the prices they're, sky high! My dad currently has a car with 5years ncb. I figured that if he ends his current policy on his car (which he paid annual for) and begins a new policy for my car using his 5years ncb it would be all cheaper. Then if he started from scratch on his car again. So basically hes ending his policy in order to transfer the ncb onto my car, him being the main, and me being an additional driver and starting from scratch again on his original car. Only query i have is, Is it legal? Is any part of the above illegal? Thanks guys for the help :D""
Can switching to geico really save you 15% or more on care insurance?
...............
""How good is a life/health insurance agent career, would it be a good choice?""
Hi, I was a mortgage broker for 5 years and at one point I making almost a 6-figure income. Right now things are not that great and my income took a major decrease this year. I am thinking about getting my insurance license but then again I'm not sure if I would make very good money at it like the mortgage industry. This would be something new for me and I am not sure if it is worth it although many agents claim that it's so great and they're incomes are through the roof, not sure if that's true or just HYPE?""
Insurance company said my car is totalled?!?
So this last Saturday before St. Pattys day I took this girl out to the movies and i went to go turn into a gas station and randomly this guy smashes into me as i was making my left turn, didnt see him at all until last second which makes the crash weird because he hit my front driver side and his front driver side is messed up, cops automatically said it was my fault probably because im 19 driving around in a car that is nicer then theirs or something. Insurance company came to the body part place and said it was totalled without leaving a report. No damage hit the engine my intake and radiator got pushed in alittle bit more towards the engine and my window washer tube cracked thats about all ive seen plus the smashed out headlight and my bumper hanging. Please leave me some thoughts on if you think its totalled, really dont want this thing to go. PICS BELOW!!! http://flic.kr/p/e4Gwdd http://flic.kr/p/e4Gw7s http://flic.kr/p/e4GvZ3 http://flic.kr/p/e4AV3a http://flic.kr/p/e4AUr4""
Insurance pricing difference with different car brands?
Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""
What happens to my insurance after i got a speeding ticket?
I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven't gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I'm proven guilty, because i know that if i can take traffic school, it won't get any higher & the point taken off. But i was wondering until then, would it still get higher?""
Speeding ticket will insurance go up??
Ok my fiance just got a speeding ticket his first ticket ever!! He was doing 44 in a 35. He has progressive insurance the cop told him that his insurance wouldnt go up. But I dont know if that is true. I was wondering if he pays it off or goes to court and see what happens will his insurance go up since it is his first ticket? If it helps we live in North Carolina. I was just wondering what is the best way out because right now we cant afford to much money. He works two jobs got laied off one because no business and expecting second child at anytime. So was just wondering if anybody could give up information on what is best? Thank you and somepeople said something about driving school?? But do you take that before or after court?
Whats good Health Insurance?
Im 20 a year old woman in college, I recently found out I was pregnant. I want to find affordable health insurance coverage for me and my unborn child. I dont want to rely on ...show more""
Which is cheapest car insurance in new york?
i want to buy a car but i know the insurance of the car is very expensive. I will like to know if there is a car insurance that i can afford.
How much for car insurance?
My mom told me to look for my first car and I found a 2002 Mitsubishi Eclipse GS, Silver, non-convertible, and i asked her if it was ok. She said that the it is considered a sports car because it is a coupe and insurance will be high, it has 2 seats in the back but it is a 2 door....can somebody tell me if insurance will actually be high for me...im 16 and ive never been a accident Thanks!""
""Roughly, how much do you think car insurance would cost me?""
I was wondering if anyone knows roughly how much it would cost for a seventeen year old girl to get car insurance? All the websites I have tried keep asking me for details about the car I'm trying to insure. I don't have a car yet, all I want to know is if I did, roughly how much would it cost to insure?""
Cant get contents home insurance because of council windows?
We live in a council flat and because we have metal framed windows without the key locking system like the new ones, insurance companies wont insure us for our contents. I complained to this to the council also but they are not going to replace windows either, even though one is stuck, yet they put all new windows in around the corner to us and gave them new doors, and left our block out. Suggestions?""
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
Liverpool Pennsylvania Cheap car insurance quotes zip 17045
https://www.linkedin.com/pulse/why-you-pay-all-money-car-insurance-russell-elliott/"
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Ticket for no proof of insurance in FL?
"Ticket for no proof of insurance in FL?
I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?
BEST ANSWER: Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr
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So about 2 years ago I got hit with a false DWI in NYC (passed breathalyzer test cops still lied and claimed DWI). But that's another story. Currently I purchased a used Landrover Disco 2. Geico gave me a sweet deal @ $1430/6 months until they ran the DMV report and saw my DWI from 2 years ago. Now my 6 month rate is $3700/6 months. That price is completely rediculous and unaffordable (according to my pockets). Therefore, my question, should I just do long term car rental? I mean I have a super sweet discount that rivals employees discounts @ National and Enterprise Rentals. I'm thinking I could just rent on a month to month basis for less than $3700/every 6 months. The added benefits would be new year car models and the option to trade it in for any vehicle I choose for an entire month. Plus the gas would be less than the Landrovers V8 premium requirement. Basically my question is, should I do long term rentals or run myself broke trying to keep up with insurance and gas prices on top of rent and other expenses?""
If the supreme court finds health care law unconstitutional would i have to buy car insurance?
most of the health care debate is about weather the government can make a person buy a specific product such as health insurance. If the court finds that the individual mandate is unconstitutional would this mean that the government would not be allowed to require people to buy car insurance. and if so would I be able to take this to my state supreme court to question the constitutionality of having to buy car insurance?
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I am 22 and am on my father's insurance policy. My rates started out as only 30 dollars and increased to 50 bucks. They said that the reason my rates increased was bc I was added as a driver of the vehicle. I was wondering, if I were to get my father to take my name off as a driver and just list him would my rates go back down. Also what would happen if i got into a car wreck and my name was not listed on the insurance. I am just trying to keep my insurance down as I am in college and cannot afford it if it keeps increasing. Thanks""
Speeding ticket.. insurance increase?
okay soo I just turned 18 last tuesday, and today, I got a speeding ticket. I was going 58 in 40, but I really didn't notice that. the cop went by me in the other direction and apparently his radar said I was going 58. I know I've sped on that road before, but this time I honestly don't think I was. it was my second speeding ticket.. I got one last year that didn't go on my record or something so the insurance company never found out. but this time, I can't imagine I'd be so lucky. I've been googling car insurance and how much it would go up, but I can't find it anywhere. I believe we're with arbella. my parents are going to kill me and I don't know what to do that will help this situation. so I guess I have two questions: one, how much will my family's insurance increase? and two, what to do I do to minimize the penalty, or whatever you want to call it. I'm perfectly willing to pay the fine..if I was speeding, I deserve that.""
17 year old car insurance?
Ive got a car and should (hopefully!) be passing my test soon but for reasons to complicated to list here lol I will only be able to drive it 2 weeks in easter time, 2 weeks in christmas time, 5 weeks around august and 4 days every 5 weeks, so by my bad maths thats just over 100 days. Are there any insurance companies for a 17 year old that you can get a fixed amount of days insurance, it seems such a waste to pay for 365 days if im only going to be able to use it for just under a third of the time. I read about some companies doing 60 or 90 days for young drivers but that might have been me mis-reading it, anyone hear about anything like that? Ive tried lowering the amount of miles on quotes but that hasnt reduced the price by much at all. I was hoping for quite a substantial saving. Any help would be greatly appreciated, Thanks.""
Got into an auto accident - how much can an insurance premium actually go up?
Hi, I got into an accident - was backing out of a parking space and hit a maintenance man on a golf cart. The apartment complex has filed a claim for the golf cart (it looked old) and the guy had a slight bump on his head (emt checked him out, everything looked fine but he went to the doctor) and he's filing a personal injury claim. My agent said no lawyer's are involved yet and it doesn't look like he's suing. There's also been damage to my car bumper but it's still drivable; hopefully I can pay out of pocket. I have no numbers yet, but I'm just curious - with accidents that you're liable for - how much could it actually go up a year? A hundred? A couple hundred? A thousand?! Thanks!""
Kawasaki Ninja 500R insurance?
Dose any one know how much the insurance would be on a Kawasaki Ninja 500R for someone that is about 18 with no accidents, or speeding tickets and good-ish grades?""
Do you pay a lot of money for car insurance where you live?
Wher so you live an dhow much does it cost. I live in NY it the sh*t is HIGH.
Ticket for no proof of insurance in FL?
I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?
""Before Obamacare, my health insurance premiums were stable...?""
...this year they went up 17%. How can this be, if Obamacare was supposed to make everything more affordable?""
Does anybody know an affordable but good health insurance?
i just recently lost my insurance and was wondering if anybody knew of a cheap affordable but good health insurance plan???? please help!!!
""Why after almost 4 years in office, can we not get affordable health insurance that was promised us?
I have a preexisting condition which makes it difficult to get affordable Health Insurance. I have found that it is better in some instances to have no insurance then to have it and not get quality coverage. The limited indemnity insurance does not cover what it is worth to go to the hosipital. Pays $100 on a $4000 bill.
Is it normal for a teen to pay insurance before owning a car?
My boyfriend (since he got his license at 16 before he had his own car) has been paying $200 a month on insurance because his parents said he had to. My question is, did he have to pay insurance even when he didnt own a car?""
Insurance in Singapore?
I am an expat in Singapore and looking for insurance. Can I get insurance being an expat? I have a plan to stay here for next 10 years
How much on average does a 34'-36' sailboat cost? What about insurance rates roughly?
How much on average does a 34'-36' sailboat cost? What about insurance rates roughly?
""In California, is there a penalty for not having car insurance, even if it's temporarily?""
The car insurance on one of my cars runs out in a few days, and the insurance for the second car runs out at the end of this month. I was thinking of holding off on getting insurance for car #1 and start a policy for two cars at the same time. Of course, I don't intend to drive car #1 while it's not insured, it will just sit in my driveway. I heard that in some states, they will charge you for each day that your car is without insurance, even if you don't drive it. Is that the case for California?""
New driver car insurance?
How exactly do you get/where can you find cheaper car insurance for new drivers?
Would i need car insurance?
(Only open to UK) i am a provisional driver using my dad's car. My dad is with me at all times and he has fully comprehensive insurance, i have been told that this then covers me also, is this correct or will i need extra insurance?""
I know nothing about car insurance. Help?
I'm 18 y.o. and I have no idea what to do first- buy a car or get insurance..I've heard that you cant buy a car without insurance, but when i went to buy insurance it asked me what kind of car I wanted it for. ?? What to do first-?""
Will my car insurance rate change?
Okay so I got married this May and my car insurance is still in my old name and my old address... My husband has a couple tickets and accidents on his record... Will this make my insurance rate go up? Also I'm not living in the town that I got my insurance in anymore, will this be an issue? Thanks in advance!""
Need health insurance?
looking for private health insurance, what are some companies that are affordable? lists of companies and info about them please. Thanks to all who answer =]""
Insurance?
My insurance for Maruti swift gets expired within a week. I payed some Rs13,000 an year back. Now want to renew it.so how much will i have to pay for it. i once claimed insurance for some damage in car for around Rs 6000. Can any one tell me about this?""
""Got caught speeding 36 in a 20, not listed on insurance, driving alone with a learned license?
My driving test is the day before my court hearing and I was wondering how much all this will cost and also if I'm gonna be able to take my test still
How did mandatory car insurance effect prices upon gov requirements to have insurance to drive?
how did this government policy effect costs?
OMG my insurance is over 3 grand and that was the cheapest?
has anyone got a dd or driving with no license or insurance and then got a license ??? who did you insure with? i cant pay them prices!!!!hellllp.........
Anyone know where my husband can get dental work done with no insurance?
he is in a huge amount of pain and nothing is working anymore he has even went as far as rinsing his mouth out with peroxide! [ i know right!] but any how we don't have dental insurance and i was wondering is there anywhere he can go like a free clinic or something? we live in East bay California any help would be great thanks! no rude comments please
How much can home insurance cost?
i want to buy a home and i need to know how much my insurance might be.
I am looking for federal court cases related to insurance claims?
I am looking for federal court cases related to insurance claims?
How do college students pay for car insurance ?
I have always been curious since it cost so much.
GTP vs Camaro Insurance?
Hey guys, Looking at a 95 Z28 Lt1 Camaro or a 01 Pontiac GTP, Which one would have the cheapest insurance? If you own one what are you paying?""
How much would a 2005 Honda Civic Coupe be worth?
I probably totalled my car. What is the estimated value of the car? How much do you think my insurance company will give me for a new one? Is there a site I can go to?
If I buy a new car will my auto insurance run my driving record again?
My husband and I currently own a truck and have an exisiting comprehensive auto insurance policy in Texas. If we buy a new car (thereby removing the truck and adding the new car to our policy but not changing anything else) will the insurance company run his driving record again?
What auto insurance offices offer reduced cost auto insurance program in the San Fernando Valley?
Details below if you do not know which one I am referring to? I'm not talking about the cliche low cost auto insurance that is available to everyone. etc...I'm talking about a specific plan offered by the state of California available at some insurance offices for low income individuals. I found one office with it, it isn't close enough, does anyone know of any more offices ? The California Low Cost Automobile Insurance Program (LCA): The California Low Cost Automobile Insurance Pilot Program, created in 1999, established a low-cost automobile insurance policy for residents of Los Angeles County and the City and County of San Francisco. California Law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard auto insurance premiums are beyond their financial reach. The programs purpose is to provide low-cost automobile liability insurance to good drivers who demonstrate financial need.""
How much is an abortion without insurance?
I am 8 weeks pregnant by my boyfriend. I am 18 and he is 20 and neither of us have medical insurance. I cannot afford to care for a child and he does not even live in the same state as me(he is also dealing with recent medical problems). He visits me in California and then goes back to Texas for college. Every time he comes down here we are very careful, but something went wrong. I have briefly discussed this with him but he needs to know the price before we can really talk about it.I need to know if not having insurance makes a difference in the price? If it does not then how much is it in general? Please just answer the question if you know or please do not say anything at all, I am already stressed out as it is. I am sorry for posting this here but it is the only place I can think of where to find answer.""
Ticket for no proof of insurance in FL?
I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?
What are some cars with easily tunable engines and low insurance?
i need a car that i can make faster but i don't wanna pay alot f insurance. specific models please
Whats the cheapest place to get insurance?
I got a 01 kia optima im 23 years old, male, and paying about 100 dollars a month for full coverage. Company: American Family. Any better deals""
""I got pulled over, and failed to surrender insurance?""
I was driving my friends home from a party one night, (being a DD), unfortunately I was caught going 123 in a 90 zone, and then I got pulled over. The police officer told me that not only I was speeding, but I was driving past midnight with a G2 class license. But the only thing I was charged with, was a 65$ fine for not surrending insurance, because I was driving my Dad's truck and could not find the insurance papers ANYWHERE. Since the police officer said there were no demerits to be added, does this mean my insurance rates will go up? I plan on pleading guilty and paying the ticket.""
I used to own a Vauxhall Astra 1.6 I now want a Fiesta 1.4 will that be cheap tax /insurance I am 61?
female, just need a cheaper car, second hand & automatic,Thanks .""
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DOes anyone have or know of any good individual policies? Im currently self employed and need health insurance. Looking for the best and cheapest!
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My spouse is over 65 and will be getting residency USA and is not eligible for Medicare nor am I. From whom can we purchase health insurance?
Teenage Car Insurance?!??!?
I'm 15 and for my 16th Bday I'm getting an mid-sized SUV. & I'm just wondering about how much the monthly payments are gonna be......? thanks for any help:)
How much does DMV charge for the 30 day car insurance?
How much does DMV charge for the 30 day car insurance?
Second car insurance?
i want to insure my second car how cheap can i get it?
Can somebody find me a really cheap insurance company that would cover for like everything?
I need to find an insurance company offers really low price plans that cover as many things as possible, becos we can't spend too much money but I need to find my mom an affordable insurance plan...help, i dun know where to find it.""
I just passed my test. I'm 17. What has the best insurance quotes and what's the best car to get?
I want a relatively new car and the best insurance I found was 2800 for a Volkswagen up!
Insurance wants to total my car?
So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. The insurance guy came and just got a call back saying that they want to total my car and pay for it. The car is a black 2002 jetta 1.8 turbo from a small local dealer and has 140,000 miles. Im currently still paying it off and the car cost me $6000. Here is my concern, they haven't told me how much they plan to give me for my jetta but i went on craigslist and the average cost for a 2002 jetta 1.8t is around what i paid from $5000-$6000, will the insurance give me that amount because bluebook says my car is worth at most around $3400 in excelent condition and at retail value according to bluebook is around $4500. All I'm concern with is either my car is restore to the point before the accident or if they get me enough money to buy a new jetta of equal or greater quality. Restoring my car car i guess is not and option which I'm ok with but what if the amount they give me is not enough to go buy a new jetta from a small local dealer will they give me more money or how does this whole process work because I've never been in this situation.""
Is it cheaper for a first time driver to insure a van?
Hello, If I were to buy my first car, the insurance is about 3k at lowest of the low. But do you think a van would be cheaper? Can a 17 year old get van insurance?""
CAR INSURANCE I NEED HELP!?
Me and my boyfriend wants to buy a car but were concern about the car insurance we cant afford to pay 200 dollars or more a month just for car insurance but we refused to drive with out insurance we have a baby on the way and we don't know what to do and we really need a car bad please anyone can you please help us out if so can you leave numbers if you know something we just need help
How much would it be to insure an Acura RSX if im 22?
Im getting an Acura RSX but i want to know how much it will be to insure it. I know this is going to sound funny but my gramma wants to put it under her insurance and it covers who ever is driving the car but how much cheaper id that gonna be?? shes like 63 i think l0l...
Can i be on my grandma's car insurance even if we don't live together?
Im a 19 year old female and want to buy a car but car insurance is just too much! i want to be put on my grandmothers car insurance but we don't live in the same city. Do you think it would be possible for me to get on there!!
First car insurance help?
I am 17 year old male, I have spent months looking for a car that I can be insured on for at least a respectable price, I have have gotten quotes for all the typical first cars, KA, Corsa, Punto, Ibiza etc. and they have all been ridiculous like 5-6k?! Now I know you can get insurance as a new male driver cheaper I just don't know what car or how that is possible. I've heard rumors that Ford Puma's are actually very good on insurance for new male drivers even though they are 1.4l and up? is that true?""
How can I get a California Health & Life Insurance License ?
I would like to find an online course or a study at home course if possible. Also, how long does the course take ? Thank you for your help""
For Piper Cherokee 140-160 Owners. How much does it cost to insure your plane?
I'm thinking about getting one of these little planes to build time in when I get back to the states. Just curious of insurance cost and things that can burn your wallet during an annual.
How do I know if my insurance company is treating me fairly?
I was recently in an accident. The offer that my insurance company is making is much lower than NADA and Kelley Blue Book values--the insurance company is offering 9,200 and the NADA value is 11,600 (KBB is 12,500). They said that their estimate was based on the local market value and was an average of private party and dealer values. They looked within a 100-mile radius and found similar cars. They then adjusted the value to reflect the mileage of my car, but I don't know how exactly they calculated this adjusted value. I bought my car from a dealership seven months ago--shouldn't the replacement value be the retail value? Also, I had a Subaru WRX and they compared it to WRXs and to Impreza Outback Sports. I looked on autotrader.com and on other Internet resources and found WRXs that were listed much higher than the WRXs in their market report, and I don't know what to do--I don't want to spend the money for a lawyer, but I feel as if I am fighting a losing battle.""
Were can i get cheap car insurance for a rover 214 16 valve injection?
i need to get cheaper car insurance for my car were can i get it am nearly 24 and i don't have ncb ?
Will my insurance rates go up if I get a speeding ticket in someone elses's car?
I was driving an insured vehicle which belongs to a nonlicensed driver., I received a speeding ticket in this car. Whose insurance will go up?""
Home insurance rates.?
Recieved a letter yesterday from my insurance company. They are now going to base home insurance rates based on your credit score....WHAT?
Does Car Insurance Still Go Down On Parent's Insurance?
Basically i am going on my parent's insurance but as a named driver only. I know the risks of it and was wondering what will happen when i turn 25 Will my insurance still go down or will i have to pay a full insurance due to only being a named driver ?
17 Year old insurance rates?
On average, how much would insurance be for a 17 year old male with a 2001 BMW 740li? I have an okay job but I don't wan't to spend over 5k on insurance a year, as that would eat almost a fifth of my salary. Would insurance be cheaper on a coupe such as a 1991 Nissan 240sx? Also, do you have to pay a higher rate if your car is turbocharged? Will they insure you if your pushing over around 500 horsepower? If I buy a 240sx I'm going to do an engine swap for sure, so I want to know if it would be better to wait. Any answer is a good answer, so thanks for anything!""
Ticket for no proof of insurance in FL?
I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?
https://www.linkedin.com/pulse/insurance-quotes-subaru-wrx-acura-rsx-bernharda-mulder"
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A car insurance question...?
"A car insurance question...?
So... I had a 1998 VW beetle that I traded in today for a 2003 VW beetle. I purchased this car in the state that I am currently in for college (MD). In order to purchase the car I had to get a MD tag. My old car is insured under Farm Bureau in NC. Can I transfer my old insurance to cover this car? I am not a Maryland resident, but NC resident. Any help/advise is greatly appreciated. My 98 beetle was in great shape, but the newer car had more additives like sunroof/less miles etc.... The difference was around $5000 that I am having to pay.. Because of the financing I had to get MD tag and such.. Thanks in advance for your help!
BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr
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From whom can I get home insurance in Delaware if I own a Pit-bull?
Auto insurance pricing for newly licensed 16 year old male driver?
Turning 16 soon and will need a car. I'm looking into getting a 2006 Mazda 6 with 100,000 miles on it. I live in Ohio and will basically be using it for driving around town, possibly to a job in the future of course (if it's still running). As a newly licensed driver, would any of you know how much the insurance would possibly cost? I'm a B average student with a 3.0 GPA average as well, if that has any an effect on the cost.""
Transferring Car Insurance?
I just re-newed my car insurance but now im purchasing a new car. Is it possible to get the balance of my last insurance payment transferred over to my new car? Or will I have to pay for insurance again in full?
Looking for Affordable Health Insurance Rates?
I'm looking for a website that offers affordable health insurance rates.Please suggest me the best site
Car Insurance / Case is not resolved / New Insurance?
Hi I had car accident about year and a half ago. My case went to court and it is still not resolved.I haven't been driving since that time. I bought a car now and I want to insure it. How does it look with the insurance companies ? there is no option to choose when you do insurance quote online.
My teenage sons car insurance premium?
i did a quote and the cheapest is 6334? how can they charge so much, his friend got a quote on a similar car for 854? any tips?""
""In California, how do you show proof of insurance for a driving test?
My girlfriend is making an appointment for her driving test and I offered up my car for her to use.Does she need to be added to my insurance to take the test or does the DMV just need proof that the car is insured under someone's name(me)?She won't be driving my car aside from the test as she is buying a used car immediately after the test and getting insurance on that.
""How much is motorcycle insurance for a 21 year old male, than car insurance?""
i want to get a motorcycle instead of a car, but i don't know how much insurance is compared to car insurance for a 21 year old male?""
Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?
Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?
Anyone know any Vision Insurance Companies?
Trying to find vision insurance.
I am 18 years old and i want to buy a used car but the insurance is too much for my budget?
it would cost me around $7000 for 6 months of coverage can someone please give me some advise on this matter?
Does anyone know the average cost for motorcycle insurance in New York City?
Not for a new street-bike, but for an older bike, like a triumph""
What is a good affordable health insurance for a part time worker?
I am a part time worker averaging 15-20 hours per week, minimum wage. I do not qualify for the job insurance since I have to be full time. Not married, no kids, 20 years old, living at home with parents still. I have been very healthy, never been hospitalized for any reason. If anyone could help me find an affordable health insurance for myself, or even better an insurance that can also cover my parents and myself at a good price. My mother had surgery 5+ years ago, other than that she has been healthy. Is there any insurances out there that are affordable for me? Please and thank you!""
Auto insurance question?
I'm 20 yrs old and I'm thinking of signing up with state farm auto insurance. I'm buying a car and i have none. So can someone tell me what I need, where I have to go, and what i have to do to get this done?""
How to find health insurance for a pregnant mother?
how can i get health insurance if im already pregnant or is there other affordable options available
Approximately how much does malpractice insurance cost for a Psychiatrist?
Just wondering about the average annual, or monthly, cost for the insurance. If anyone has a specific number for the state of Florida, that would be much appreciated as well.""
Is this why women have better car insurance rates then men?
http://video.yahoo.com/network/100284668?v=4533761&l=3774753
How much flood insurance do I need in a low risk area?
I called my insurance carrier to get a agent to get a quote. He told me limit option starting at $100K and went higher to match the limits of my Dwelling coverage, and ended by saying ...show more""
Drivers permit and insurance help?
If I get my drivers permit would my moms car insurance go up? If so, what are average rates? Thanks for the time to read this, and thanks in advance for a reply.""
""18, needs car insurance for ANYTHING please help ?""
OK ah cant take anymore of this... i'm 18 have had a license for 3 months now and live in the UK jarrow, tyne and Wear... All i want is a **** little car. But the insurance is ***** ridiculus no matter what i do a car costing 300 insurance will still be 5000 - 6000 doesn't matter if the engine is the size of a vacuume cleaner motor it jus wont go down. PLEASE somebody find me a car that isn't over 2000 that the insurance wont be beyond a joke. Been at this for over a week now and cant find anything. gocompare money supermarket direct line aviva. even put my mother as the main driver of the car with me as additional driver and still 5000 - 6000. Even insurance fraud is expensive PLEASE help me""
Do i need to list the second driver on my insurance policy?
If they aren't registerd to the vehicle but drive it often do they need to be on the policy at all? Im paying way too much with two currently...
A car insurance question...?
So... I had a 1998 VW beetle that I traded in today for a 2003 VW beetle. I purchased this car in the state that I am currently in for college (MD). In order to purchase the car I had to get a MD tag. My old car is insured under Farm Bureau in NC. Can I transfer my old insurance to cover this car? I am not a Maryland resident, but NC resident. Any help/advise is greatly appreciated. My 98 beetle was in great shape, but the newer car had more additives like sunroof/less miles etc.... The difference was around $5000 that I am having to pay.. Because of the financing I had to get MD tag and such.. Thanks in advance for your help!
Health insurance for preexisting conditions
I've been denied health insurance under a private plan due to preexisting conditions and have to wait 3-5 months to be accepted into the CA high risk pool at a cost of $320/month which I really can't afford. Also, my employeer doesn't offer health insurance. Does anyone know how to get coverage?""
Driving without insurance in Illnois?
I am 21 yr old male & due to high rates of insurance i am not insured. Instead, my car is insured on my dad's name. I wanna know what are the consequences of driving without insurance in illinois. I heard the fact that it doesn't matter much if the driver of a car is not insured but the car should be insured on any other person's name rather than who is driving?""
What is the best car to buy in terms of getting cheap car insurance as a first time driver.?
I am over 25 but things are still costly.
Driving from california to texas?do i really need insurance and a license?
im moving from california to rowlette,texas in two weeks but the problem is im going to drive out there its going to be me and my bf the thing is the car is under my name & i have the tags & papers but i don't have insurance & my license.Is this a big deal can i still drive out there as long as i drive carefully well im not driving its my bf his better at driving & he has his permit but im 18 & they say he can drive with a person 18 and older.what can i do i already called the insurance company & the lady said its not worth getting insurance if its only for a few weeks cuz when i get to texas i have to get new insurance.What can i do what do you guys recommened i do...i think that i can get out there without the legal stuff like insurance & a license..my sister drove all the way to arizona with no license & she didnt get caught cuz she drove carefully...""
About how much would insurance be on a used 2005 Ford Mustang per year?
I'm a male. I live in Reno, NV It has 83,272 Miles 6 Cylinder Gasoline Engine Automatic Transmission 2 wheel drive - rear The car cost $10,880""
Do foster kids get health insurance? Any insurance?
suppose a adoptive kid w/ parents w/no health insurance. the adoption gets dissrupted and now they live in a foster home.
How does car insurance work?
I got a ticket for not having endurance but the car i was driving (my dads) does. Can i just show proof of insurance to get the ticket off or does the insurance have to say my name in order to be taken off? Example:: In that case how do you explain road tests at the dps for driving license? They ask for insurance of the car your testing in but clearly its not in your name since you don't have a license yet they let you drive it. What happens in case of an accident? Will it not be covered since the person behind the wheel is not in the document? Can i take off the ticket or not? Or is car insurance all about the person behind the wheel? Isn't it supposed to be for the car no matter who is driving? Please explain if i got it all wrong and have to pay the ticket
Health Insurance for my mother in law(senior person)?
I need your help regarding the insurance coverage. Here is my story? My mother in law works at a grocery retailer and gets medical insurance coverage from the employer. She wants to quit because the job is physically challenging and she wants to take care of our baby. She is 62. But we are worried because we don't know where she will get medical insurance? 1. My insurance comes from the employer. Can I put her under my insurance plan? 2. Is there any special(affordable) type of insurance plan we can purchase? I believe this is a very common situation. If you are in the same situation, please help.""
How much will my insurance and maintenance costs be affected by what type of car I get?
I'm about to be 18 and am planning on getting my first car soon. I've been driving for almost 3 years in my parents' cars but need my own for heading off to college and such. I don't know what type of car I want to get, but it's gotta be cheap, old and used, preferably up to $6,000-7,500 at the absolute max. The problem is that I've been really into cars for most of my life and would rather have something a little nicer to start, I mean within the same price range but for example a Mustang, Mitsubishi 3000GT, BMW 3- or 5-Series, etc., rather than the usual Civic or Camry (not that I'd mind one of them either). The problem is that I'm worried the insurance will be way more expensive. The latest quote my dad got was a few weeks ago and it was quite a bit lower than I expected, only like $560/yr., but that was with their old '93 Taurus GL. Will having a sports car or more high-end car affect it really dramatically or will it not make that big a difference as long as my driving record stays good? Also, how much more does it cost to maintain and repair a car like a used BMW than it does just a normal car like an Accord? I've always heard that European cars in particular can be temperamental and finicky if not maintained properly, so I'm just worried that I won't have the money and know-how to have and keep a car like that as my first car.""
Health insurance question?
ok i'm a international student and i just found out that i got a cervical cancer or abnormal cell growth, and i don't have a health insurance and i don't know how to pay for it? if i get a health insurance would it cover it?""
What is the best maternity health insurance in Georgia??
I have insurance through my company, in which I pay half.. My deductible is $2500.00 till January then changes to $2000.00... Im already paying my Doctor $900.00 for a Pre-Delivery fee which will come out of my deductible. Then after that is met I will pay 20% of everthing else... Any advice will be great...""
Speeding ticket in a rental car raises my insurance?
Hey forum, I got a 34mph-over speeding ticket in some tiny texas town in my rental. I didn't give the cop my insurance b/c the car was insured through my credit card. How will this affect my Texas Farmers insurance rate? Thanks heaps""
Cheapest Car to Ensure?
What would be the cheapest car to insure for a 19yr old male, license for 2 years, without the best insurance past... Written 1 car off in flood water, and crashed another, so not expecting anything much under 2,000?""
What's the average compression ratio for a car to be considered a sports car?
I know each insurance company has they're own compression ratio's for car but what would be the AVERAGE
What car insurance company will insure my car with a permit in California?
I wanted AAA but they do not do that. Any suggestions? PLEASE!
Total lost car INSURANCE?
I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME""
What would you say is a cheap and decent car to purchase and insure? (Please see details)?
My dad and I are trading in another car, with the value of 3000, and as a result, we were looking at getting a car worth around 6000 (or less). He has had no claims for years, however, I have only recently passed my test. Has anyone been in this situation or a similar one? If so, what cars would you recommend purchasing. I'd really like a Mini convertible (as do most people), and so does my dad, but how much would you say the insurance would be. We're talking about 5 years no claims with my dad. I'd purely be a named driver. I did look at the Citreon C3 pluriel, because I was told it was really cheap to insure, but having to pull the sides off the car to make it into a convertible is a bit of a joke! Thanks for your time guys, hope you're having a nice night! x""
Are Companies Required to Offer Health Insurance?
Are companies with a certain number of employees required to offer health insurance?
Does a stop sign violation increase your insurance in Sacramento?
I just a stop sign violation about an hour ago, I was planning on paying it because I do not know enough to fight the ticket in court. Will the citation increase my insurance rate? I have AAA. And the violation occured in Sacramento, CA few blocks from my house.""
Will a Red Light Ticket affect my insurance?
I ran a red light today (i wasn't even thinking and just ran it) there are cameras there so I'm pretty sure ill get a ticket , any who i live in McKinney, Texas and the fine they send in mail is 75 $ and since I'm 16 have to go with my parents to court so will this one ticket make my insurance go up ? is there a possibility it won't go on my record?? I have all state and am a male i make A's and B's (education discount)""
What about of 200% my current rates is supposed to be affordable?
The only way the Affordable Health Care Act can be affordable is if Bernanke works those printers even harder then they are now.
How much money should the insurance company be giving me?
I was in a car accident. An suv hit me (perpendicular to my drivers side), which made me hit a mazda and it spun out of control. The suv that started the accident RAN OFF! They did not realize their license plate fell off and they actually filed a claim saying they were hit in a parking lot! Anyways, it totalled my car so my insurance co is giving me $6200 for my car, but deducting $500 for my deductibl because at first we could not find who was driving the vehicle. Now the drivers insurance company has contacted me wanting to meet to discuss how much money they are going to give me. He said they will be giving me money for my deductible, medical bills, missing work, missing school, inconvience, stresss and pain and suffering. We are meeting today to negotiate the amount. I am not sure what is a reasonable amount, my friends told me $5400 - 8,000. I'd like about $6000-$7000. Do you think this is right?""
Can i get car insurance in my cousins name?
My cousin lives in Luton and I live in London so can I get car insurance with his name as first driver and me as second driver? Also how will it work because we're going to have different addresses? How will road tax and permit work? My cousin is 21 years old and I'm 18.
Why am I forced to buy health insurance?
I do not want to buy any type of insurance and am willing to live with the potential risk this involves. I respect that others might want to buy insurance, but do not force me to buy it. I respect the decisions of others when they decide to be insured, so in return they should respect that I do not want to be insured and live with the risk this involves. It would then be my own fault if I come into a situation where I would find myself unable to pay health-care costs and succumb to my disease/injuries. So why do some people and the government continue not to respect my way of life if I respect theirs? And please do not say that because public hospitals would be forced to treat uninsured people like me - the government should immediately repeal this socialistic law/practice, too!""
Which is better full coverage or liability auto insurance?
I live in wisconsin where it is not mandatory to have car insurance. I'm 26 and been driving since i was 16 without insurance and i'm planning on getting a policy started soon and i have no idea as to which type of insurance to get. I drive a 1997 chevy lumina with around 222,000 miles on it. If i get full coverage will it cover my car damages as well as the other persons damages or will liability do that and will i be required to pay a deductible? I am thinking about getting up to $100,000 in coverage.""
A car insurance question...?
So... I had a 1998 VW beetle that I traded in today for a 2003 VW beetle. I purchased this car in the state that I am currently in for college (MD). In order to purchase the car I had to get a MD tag. My old car is insured under Farm Bureau in NC. Can I transfer my old insurance to cover this car? I am not a Maryland resident, but NC resident. Any help/advise is greatly appreciated. My 98 beetle was in great shape, but the newer car had more additives like sunroof/less miles etc.... The difference was around $5000 that I am having to pay.. Because of the financing I had to get MD tag and such.. Thanks in advance for your help!
Should I trust car insurance comparison sites?
Should I trust car insurance comparison sites?
Do they let you take insurance?
hi does insurance companies in US,let you take life term insurance if you have HIV..""
Insurance for a camaro...engine types?
Well I've been looking into getting a camaro but insurance may be too much. I just have a few simple questions for anyone who knows. Does the insurance company charge more for an Iroc / Z28? Would they know if you bought a camaro with a (for ex.) 377 stroker and charge more? I was looking at a camaro with an LG4 hoping the insurance would be lower but how would they know what motor it has? Also...for the winter can you temporarily take the camaro off, to put a winter car on? I don't want to be paying for insurance when its being stored. Thanks!""
Do you need car insurance to visit on a army base?
Well I am going to visit my friend on the Fort Lewis, Washington army base. and he is saying I need car insurance? Well my coworker said no but if you do get pulled over on base without car insurance the ticket is double. So do I need it to go on base? I will only be there for three days. Thanks.""
Ticket for no car insurance?
my daughter got stop and given a ticket in my car for no insurance.the car is under my name. the insurance was cancelled because of late payment a couple of days ago. us not knowing it was cancelled. they given her a ticket with i the owner name on it as well . my question is do i have to appear to city courts and what do i have to show or will she have to go or both of us. please help i never been in this situation.i want to settle this asap.thanks
How are home insurance rates in hawaii?
I'd like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.
Gerber life insurance company?
is this even worth doing has anyone ever done this...i need feed back and ideas i have a one year old little boy and i want him to have something to fall back on when he gets older, weather its college or whatever The insurance says they can cash it out for the premium. So should i sign up or just get him a savings account?""
""I gave a urine sample for life insurance, want two more samples on different days. Why??
I gave a urine and blood sample about a month ago for life insurance. I received a call yesterday from the company that takes performs the physical and takes the samples...they said my insurance company wants to more urine samples on two different days. Why is that?? It has me really worried and I can't call the insurance office until tomorrow to find out why. I would assume that they had messed up the sample if they just wanted one more but they want two on two different days. :/ I informed them that I take birth control and sometimes take Ibuprofen. I don't use any other drugs or smoke and very rarely drink alcohol. I also have not been having sex (only with 2 people) and have been tested for STD's and visit the gynocologist every year and am always fine. I didn't receive anything from my insurance company about my blood tests which means those didn't show anything (would only send to me if something wrong). Any ideas about what's up with the urine sample requests???
How can i get affordable car insurance for myself?
i have really struggled to find my own car insurance, i am 18 years old, i have taken pass plus, at the moment i am on my mums insurance, i do have a part time job, do you have any suggestions or ideas for affordable car insurance for someone of my age?""
How much would car insurance range for a 16 year old?
I am 16 years old, going to be driving a 1992 Ford F-150, I don't have great grades, I just wanted to get an idea of what I looking at for insurance.""
Cheapest car insurance in nj?
Cheapest car insurance in nj?
License/Insurance question?
I have my permit and will be getting my license soon but I wanted to know after getting your driver's license do you automatically have to get insurance, or do you only need to get insurance if you have are driving someone's car.""
How much will my car insurance be? Where should I go?
Hello! I got into a car accident that left my car totaled and my parents kicking me off their insurance plan. I bought myself a car and now I want to get insurance but I want to see a guess of what I'll be paying a month. The accident is listed as my fault with the insurance records. Please don't judge or be mean to me I just honestly need help with this question before I go shop around I want to get a guess of what people will tell me. I'm a 17 year old female, Caucasian. I have one major accident on my record. I live in El Paso, TX I am driving a 91 BMW E30 318i that is in good condition. How much would you guess I'd pay a month for the CHEAPEST insurance? I have a friend with no major wrecks paying on her own with good student discount $50 a month. What's the lowest I may be able to pay and what's the highest I may be able to pay? Thank you so much for your help! Have a nice day :)""
Health Insurance?
I AM TRYING TO CHOOSE THE RIGHT INSURANCE FOR ME, AND DECIDED TO GO THROUGH BLUE SHIELD OF CALIFORNIA-WWW.MYLIFEPATHWAY.C... HOW DO I KNOW IT IS NOT A SCAM. CAN I CONTACT BLUESHIELD DIRECTLY AND ASK THEM ABOUT THIS INDEPENDENT MEMBER (WWW.MYLIFEPATHWAY.COM)OF THE BLUE SHIELD?""
Health insurance coverage for my infant -?
i have a 3month old infant ..we just moved to US from australia. got a group insurance provided by my employer - with United health care. like to know ,as far the doctor visits for my infant is concenred, 1. do we still need to pay copay for infant visit 2. will insurance cover vaccinations what else i should know as far as doctor visits for infant is concerned,and also about my insurance""
I live in new york city can anybody tell me who has the cheapest car insurance in the city?
I live in new york city can anybody tell me who has the cheapest car insurance in the city?
Does driving school really decrease your insurance rate?
i heard that if u go to driving school and tell the insurance after getting ur license they'll give u a discount on insurance
How and what is cheap auto insurance?
How and what is cheap auto insurance?
Insurance on a Audi tt?
I passed my test September 2013, I am 18 and for the car I currently have my car insurance is 1,250 or so. If I got an Audi tt that was a 2000 plate would the insurance be sky high?""
Do insurance companies use mortality rates to set premiums and other costs for certain age groups? Why?
Do insurance companies use mortality rates to set premiums and other costs for certain age groups? Why?
Getting my baby on insurance?
I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the hospital where he works. His insurance isn't too expensive for him, but if he were to add the baby onto his policy, the price would nealy double, taking almost half his paycheck every month. I work as much as I can parttime, but with taking fulltime classes, along with clinicals, there's no way I can work fulltime right now. We would be considered low-income, and I know my baby would be eligible for medicaid. I'm only 26 weeks along, but I really want to have everything arranged by the time he gets here. Who would I contact for more details about getting on it? We've never used any kind of supplemental assistance like this, so I really don't even know where to go. It's probably too early right now, but when would I need to start filling out the paperwork?? Thanks for your help!!!""
""In California...If i drive an insured car, do i need my own personel insurance?""
In California...If i drive an insured car, do i need my own personel insurance?""
Why don't Gay men get the same car insurance rates as women?
Why don't Gay men get the same car insurance rates as women?
Car accident with no insurance?
I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""
How to insure my car if I go to live in France?
I'm moving to France soon and I would like to keep my english car. Insurance companies are asking for the bonus-malus and I don't know the equivalent in english...so they can't tell me how much it would be...Does anybody had to insure their car in France? What do I need to do? thanks xxxx
A car insurance question...?
So... I had a 1998 VW beetle that I traded in today for a 2003 VW beetle. I purchased this car in the state that I am currently in for college (MD). In order to purchase the car I had to get a MD tag. My old car is insured under Farm Bureau in NC. Can I transfer my old insurance to cover this car? I am not a Maryland resident, but NC resident. Any help/advise is greatly appreciated. My 98 beetle was in great shape, but the newer car had more additives like sunroof/less miles etc.... The difference was around $5000 that I am having to pay.. Because of the financing I had to get MD tag and such.. Thanks in advance for your help!
https://www.linkedin.com/pulse/renault-clio-first-time-insurance-how-get-cheap-richard-johnson"
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Amazon HQ2 in Denver? Here’s what they’re saying on Twitter and Facebook – Denver Business Journal
News today that Denver has made Amazon.com Inc.’s short list of 20 cities that may soon be the site of "HQ2" has social media abuzz.
Companies, politicians and especially Colorado residents have a lot to say about the issue.
"Colorado is one of the most business-friendly states in America and we believe the Denver region would be a great choice for Amazon’s second location!" said Gov. John Hickenlooper on Twitter.
But many people expressed concern about the soaring cost of housing here and the infrastructure and transportation issue plaguing the city as it continues to grow.
We compiled a list of some of the comments appearing on Twitter and Facebook about the announcement. (Editor’s note: Names and comments are published as they appear on Twitter and Facebook).
TWITTER
Gov. John Hickenlooper, @GovofCo
It’s great to be on Amazon’s list of finalists as they consider the location of their second headquarters.
Alex Bitz, @alexbitz
The only reason I like this is because our home values and the rent you can charge will go up. I better get packages faster than Jimmy John’s.
T.T. McQueen EM @ttm1976
Nashville is the booming American city. Growing 100 people a day. Look at all the business HQ who have moved here for the tax base.
Ed Zaleski, @zaleski_ed
Short list? 20? I was thinking you’d say top 5.
Lisa Compo, @compolisa1
At what cost to the tax payers?
Rocky Mountain Arts Association – RMAA, @RMAA5280
We’re not going to lie, We’re kinda good with it.
Lan DeNunzio, @lan_denunzio
If you have to ask State and Local government tax breaks for life; it should make people question Amazon net worth.
Tara S. Bostick, @TaraSBostick1
How is this great when it’s said that if Amazon moves to Colorado, the cost of living is going to go sky high and people, even some of the ones who come with Amazon, will financially struggle the whole time?! This is not good!! This is pure greed!!
Missliberties, @missliberties
NO! This state is crowded enough. Home prices are too expensive already. Because of that my property taxes and my car insurance have skyrocketed.
No THANKS to Amazon. Go somewhere else.
FACEBOOK
Brian L.
Considering we will not give up $1B in incentives like other Socialist states, like Texas, we will not be getting it. We are only going to pony up $10M. Missed it by "00" that much.
Michael M.
I suspect that by the time they are able to start hiring, we will be in an economic downturn, so it could be a good thing. Just because we are experiencing a strong economy and unaffordable housing costs today, doesn’t mean we will be in 2 years when the headquarters is complete. Denver has a lot to offer in the way of lifestyle and access to distribution and travel, but the technical labor pool is thin. Most of the employees would need to come from out of state.
Jeremy M.
The downside is that people want to keep moving here and apartment rents will continue to skyrocket! I’m trying to save up to move into an apartment and it’s just so hard because the rents are ridiculous as it is! It’s simple supply and demand. The more demand and less the supply there is, the higher the prices go!
A ton of people have already moved here ever since we stupidly legalized marijuana, so I definitely don’t want the Amazon headquarters here cuz even more people will move here and I’m just done with it!
Stacey C.
Terrible! The only way it would be good for the state is if they build it out east of the airport. That way people on the eastern plains have another option for employment.
Whitney M.
Legitimate question: does this additional headquarters aid in improving our roads and general infrastructure? Like, is there a kickback or something? Because our roads aren’t equipped to withstand what we have now, but add in more people and we’re in trouble. Additionally, what about other issues such as water, sewage, power? Or median income/condo housing? We have apartments and homes, but a substantial lack of ‘starter homes’ or condos due to construction defects laws. Good opportunity in theory, but in reality, is this not just more fuel to the fire on all of our existing issues?
William L.
We absolutely need a new Amazon headquarters in Denver! 10,000 new high paying jobs, averaging 100,000. Billions in investment for the city to help offset growth. A strong padding against economic downturns for the city. A lot of taxes.
Justin L.
The Front Range needs to address the issues they have now. It’s starting to fit those needs for those who are living here now, and the migration to and from the state is starting to move in both directions. A Big Bang population growth would not be good. Affordable housing needs to be rectified, along with homelessness, water issues, and roads. The economy here is doing great, and Amazon has a big presence in the area already. I know I’m not a “native” but I have lived here for 7 years and made sure to contribute without leaving any of my NC handprints all over. I think Atlanta and Amazon, or Austin, would be a great fit.
Ryan D.
I feel like traffic just got worse and rent went up. Amazon is bringing people here but not with higher salaries than anyone else. It will just add to the congestion problems we already have in Denver.
Jeff C.
Denver is not going to get it!!!! No huge, sane business would relocate to a city with massive housing shortage and high rents. Pueblo maybe… not Denver…
Rianna R.
Noooooooooo. Maybe in 5 to 10 years when we have figured out how to deal with this massive growth spurt better, but right now I think Denver needs to take a minute.
Zachary A.
They have already built a massive warehouse on the north side of town. The headquarters coming here wouldn’t change much.
Michael B.
Well, that’s depressing. We already can’t handle the overcrowding issues and the congestion issues that we have today. Bringing in thousands and thousands of more people is only going to make an already bad situation much, much worse. Cross your fingers and hope they pick another city.
Deborah N.
Hope they choose someplace else. Traffic is bad enough.
2017 Shopping Centers
Ranked by Gross leasable area (square feet) as of Jan. 1, 2017
Rank Business name Gross leasable area (square feet) as of Jan. 1, 2017 1 Southlands Shopping Center 1,700,000 2 Park Meadows Shopping Center 1,576,618 3 FlatIron Crossing 1,430,000 View This List Business Pulse
poll Now that Denver is one of 20 finalists, how would you rate its chances of landing Amazon HQ2?
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GENTRIFICATION: Public Housing, Hipsters and 'The Trap'
When we think about Public Housing and welfare, what images come to mind? the faces of black people, namely single mothers with multiple children. Public Housing was created by the government as a “New Deal” for middle and low income white American citizens. The suburbs through policies of redlining were created to give white people access to home ownership and generational wealth. Whereas black people were denied access and forced to live in black communities which the government marginalized their housing values. Now were seeing the cycle reversed, white hipsters are fleeing the suburbs and returning to fertile gentrified inner city communities, while black residents who were forced to live in these historically black communities are being displaced to the suburbs. The caveat is their being displaced to the black suburbs where housing values still have not recovered from the Housing crisis of 2008.
PUBLIC HOUSING
After the Great Depression there was a shortage of houses in America and the government devised a plan to get middle and low income white people housing. This included public housing and then housing in the suburbs it was all subsidized by the government creating wealth where there had been none due to the Great Depression. This “housing boom” excluding black people except for the few places that started to build separate black housing projects. Even if you were black and in the military and fought for your country you still were denied access to these programs including the G.I. Bill. So when we think about urban revitalization, smart cities, green building and sustainable development. These concepts are not new, historically the government has always found ways to subsidize and build communities and in the process create wealth. It wasn’t just hard work that got white America off their feet and into the suburbs after the Great Depression but it was many government programs that excluded black people. What we’re seeing with gentrification across America is history repeating itself. African Americans are unable to have access to the new opportunities in cities across America systematically.
“So it was the Federal Housing Administration that depopulated public housing of white families, while the public housing authorities were charged with the responsibility of housing African-Americans who were increasingly too poor to pay the full cost of their rent.”- Terry Gross (NPR)
Let’s look at gentrification in Atlanta because in a lot of ways Atlanta was a test case city. The first public housing in the United States was Techwood Homes created in 1935 and was built in Atlanta to help white people living in the slums called Techwood Flats to have a better life. In this videoDerrick Boazman explains what Gentrification looks like in the black community, specifically in Atlanta. How does gentrification impact Big Mama, tradition neighborhoods and institutions like the church? Urban Revitalization often looks like billion dollar stadiums and the construction of new centers to “Live, Work and Play” but who can afford to live in these new developments? This panel discussion “Gentrification, Displacement and Urban Economic Development” takes place during the Rainbow PUSH Coalition & Citizenship Education Fund 18th Annual Creating Opportunity Conference in Atlanta, GA.
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HIGH RENT DISTRICT
We have to not just look at gentrification as an event of displacement but understand why is it happening in Atlanta and cities across America. The real issue is poverty and income inequality, which Atlanta leads the nation for the second year in row in income inequality. A brooking Institute study cites:
“The study looks at households in the 95th percentile of income — which in Atlanta averages out to about $288,000 — compared against what the 20th percent of households receive for their paychecks — a little less than $15,000 on average. According to the findings, which are based on data from the 2013 American Community Survey, the city’s income inequality levels are more than twice the national average.” Max Bleu (Creative Loafing, “Atlanta, once again the nation’s leader in income inequality“)
If your income does not increase to keep pace with increasing expenses in cites that are going through revitalization you will eventually have to move. Gentrification is not such much about “getting rid of black people”, it’s that traditional black neighborhoods become unaffordable.
“According to the Housing Strategy for the City of Atlanta, in 2012 40% of renters and 53% of homeowners were “cost burdened” meaning they spent more than 30% of their income on housing.” (Atlanta Magazine)
Housing values are going up in many areas but not incomes, so how do people afford to pay the increased taxes? We all want increased home values because it builds equity and wealth but if you can’t pay the taxes, then you have to sell or move.
“Data from Zillow shows that between December 2011 and December 2015, the median home value rose from $168,000 to $258,000 in Cabbagetown, from $281,000 to $428,000 in Inman Park, and from $460,000 to $695,000 in Morningside/Lenox Park” (Atlanta Magazine)
Maya Dillard Smith explains how gentrification is impacting traditional black communities from Oakland to Atlanta in this video from the “Gentrification, Displacement and Urban Economic Development” takes place during the Rainbow PUSH Coalition & Citizenship Education Fund 18th Annual Creating Opportunity Conference in Atlanta, GA.
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THE TRAP
In the hood they call it “the trap” the place where all kinds of illegal transactions take place from drug sells to prostitution. It’s the only way to survive for many individuals who are locked out of the job market and trapped in neighborhoods with failing schools, trapped in a food dessert often located by clustered toxic and hazardous waste facilities. Once these areas become desirable again then all of the sudden police patrols pick up and city services increase as white people begin to move back into the community. So what happens if you’re on a fixed income in one of these communities that are in the midst of “revitalization”? The real issue of gentrification is poverty and stagnated incomes to offset the ever increasing cost of living. We have to find ways to incorporate social sustainability into our smart city building and urban revitalization and that means job opportunities with higher income levels. We have to provide incentives and for people to go into business just like we provide incentives for big developers. Atlanta is the first city to eliminate all it’s public housing but it doesn’t mean it actually solved any of the systemic problems. We have to be more inclusive in our city planning and find ways to subsidize people who are trying to stay in their communities the same way we get creative to subsidize Billionaires when they want to build new stadiums.
GENTRIFICATION: Public Housing, Hipsters and ‘The Trap’ was originally published on Pure Cities
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Silicon Valley’s great wealth bypasses its working homeless
Janie Har, Associated Press, November 6, 2017
MOUNTAIN VIEW, Calif. (AP)--In the same affluent, suburban city where Google built its headquarters, Tes Saldana lives in a crowded but tidy camper she parks on the street.
She concedes it’s “not a very nice living situation,” but it also is not unusual. Until authorities told them to move, more than a dozen other RVs filled with people who can’t afford rent joined Saldana on a tree-lined street in Mountain View, parked between a Target and a luxury apartment complex.
Homeless advocates and city officials say it’s outrageous that in the shadow of a booming tech economy--where young millionaires dine on $15 wood-grilled avocado and think nothing of paying $1,000 for an iPhone X--thousands of families can’t afford a home. Many of the homeless work regular jobs, in some cases serving the very people whose sky-high net worth is the reason housing has become unaffordable for so many.
Across the street from Saldana’s camper, for example, two-bedroom units in the apartment complex start at $3,840, including concierge service. That’s more than she brings home, even in a good month.
Saldana and her three adult sons, who live with her, have looked for less rustic accommodations, but rents are $3,000 a month or more, and most of the available housing is distant. She said it makes more sense to stay in the camper near their jobs and try to save for a brighter future, even if a recent city crackdown chased them from their parking spot.
“We still need to eat,” said Saldana, 51. “I still want to bring my kids, once in a while, to a movie, to eat out.”
She cooks and serves food at two hotels in nearby Palo Alto, jobs that keep her going most days from 5 in the morning until 10 at night. Two of her sons, all in their 20s, work at a bakery and pay $700 toward the RV each month. They’re all very much aware of the economic disparity in Silicon Valley.
“How about for us people who are serving these tech people?” Saldana said. “We don’t get the same paycheck that they do.”
It’s all part of a growing crisis along the West Coast, where many cities and counties have seen a surge in the number of people living on the streets over the past two years. Counts taken earlier this year show 168,000 homeless people in California, Oregon and Washington--20,000 more than were counted just two years ago.
The booming economy, fueled by the tech sector, and decades of under-building have led to an historic shortage of affordable housing. It has upended the stereotypical view of people out on the streets as unemployed: They are retail clerks, plumbers, janitors--even teachers--who go to work, sleep where they can and buy gym memberships for a place to shower.
The surge in homelessness has prompted at least 10 local governments along the West Coast to declare states of emergency, and cities from San Diego to Seattle are struggling to come up with immediate and long-range solutions.
San Francisco is well-known for homeless tent encampments. But the homeless problem has now spread throughout Silicon Valley, where the disparity between the rich and everyone else is glaring.
There is no firm estimate on the number of people who live in vehicles in Silicon Valley, but the problem is pervasive and apparent to anyone who sees RVs lining thoroughfares; not as visible are the cars tucked away at night in parking lots. Advocates for the homeless say it will only get worse unless more affordable housing is built.
The median rent in the San Jose metro area is $3,500 a month, yet the median wage is $12 an hour in food service and $19 an hour in health care support, an amount that won’t even cover housing costs. The minimum annual salary needed to live comfortably in San Jose is $87,000, according to a study by personal finance website GoBankingRates.
So dilapidated RVs line the eastern edge of Stanford University in Palo Alto, and officials in neighboring Mountain View have mapped out more than a dozen areas where campers tend to cluster, some of them about a mile from Google headquarters.
On a recent evening, Benito Hernandez returned to a crammed RV in Mountain View after laying flagstones for a home in Atherton, where Zillow pegs the median value of a house at $6.5 million. He rents the RV for $1,000 a month and lives there with his pregnant wife and children.
The family was evicted two years ago from an apartment where the rent kept going up, nearing $3,000 a month.
“After that, I lost everything,” said Hernandez, 33, who works as a landscaper and roofer.
He says his wife “is a little bit sad because she says, ‘You’re working very hard but don’t have credit to get an apartment.’ I tell her, ‘Just wait, maybe a half-year more, and I’ll get my credit back.’”
The plight of the Hernandez family points out one of the confounding problems of the homeless surge along the West Coast.
“This is not a crisis of unemployment that’s leading to poverty around here,” said Tom Myers, executive director of Community Services Agency, a nonprofit based in Mountain View. “People are working.”
Mountain View, a city of 80,000 which also is home to Mozilla and 23andMe, has committed more than $1 million over two years for homeless services, including money for an outreach case manager and a police officer to help people who live in vehicles. At last count, there were people living in more than 330 vehicles throughout the city.
Mayor Ken Rosenberg is proud of the city’s response to the crisis--focusing not on penalties but on providing services. Yet he’s also worried that the peace won’t last as RVs crowd into bike lanes and over-taxed streets.
In San Jose, officials recently approved an ordinance pushed by an interfaith group called the Winter Faith Collaborative to allow places of assembly--including gyms and churches--to shelter homeless people year-round.
Ellen Tara James-Penney, a 54-year-old lecturer at San Jose State University, parks her old Volvo at one of those safe haven churches, Grace Baptist Church, and eats in its dining hall. She is paid $28,000 a year to teach four English classes and is carrying $143,000 in student debt after earning two degrees.
She grades papers and prepares lessons in the Volvo. At night, she leans back the driver’s seat and prepares for sleep, one of two dogs, Hank, by her side. Her husband, Jim, who is too tall for the car, sleeps outside in a tent cot with their other dog, Buddy.
The Bay Area native remembers the time a class was studying John Steinbeck, when another student said that she was sick of hearing about the homeless.
“And I said, ‘Watch your mouth. You’re looking at one.’ Then you could have heard a pin drop,” she said. “It’s quite easy to judge when you have a house to live in or you have meds when you’re depressed and health care.”
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