#canada post workers are being paid less than $60 A DAY!!!!!!!!
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i keep seeing soooo many ppl saying the canada post workers are selfish for striking right around christmas time and that they shouldve waited until january or whatever like omfg that is the point are you stupid!!!
#the point of strikes is to be disruptive omfg#canada post workers are being paid less than $60 A DAY!!!!!!!!#rambles
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Canada doesn’t interfere much in the world, it doesn’t elect crazy nationalists, it doesn’t threaten to deport people. It champions multiculturalism and tolerance. Canada is exceptional. It has its problems like all places, but when the world was on fire in 2016, we were fine. We still have systemic issues and need to deal with it, obviously. Me stating that Canada has many good qualities compared to similar nations =/= there isn’t an issue w/ racism towards aboriginals, etc.
There is so much to unpack here.
“Canada doesn’t interfere much in the world”
Except when it’s selling weapons to repressive regimes like Saudi Arabia. Or when it’s overthrowing democracies in countries like Haiti and Honduras for its own benefit. Or when Canadian-owned companies are wreaking havoc in Latin America by trampling over indigenous rights there (because doing that in Canada isn’t enough for them).
Canada’s abysmal record as an arms dealer
Former Liberal cabinet minister calls for end to Canadian arms sales to Saudi Arabia
Canada admits in court that the armored vehicles it’s selling to Saudi Arabia could be used in the fighting in Yemen
Canada Helped Overthrow Haitian Democracy
Canadian foreign policy sees Latin America as a playground for its most voracious corporations.
Human rights violations at Canadian gold miners’ operations abroad have become harder to ignore, but that’s a strange thing to celebrate
Canadian mining and petroleum companies rank among the most world’s most abusive and destructive.
Left nationalism was always a mirage. Canada is a settler-colonial state with a subjugated indigenous population. The old nationalist narrative is insufficient to deal with an imperialist country that exploits the Global South and participates in military adventurism abroad under NATO and the United Nations.[…]
Toronto-based Barrick Gold is both the world’s largest gold mining company — and its most abusive. In 2011, Human Rights Watch published a report that alleged that Barrick’s security at Papua New Guinea mines committed gang rapes and other violent assaults. In 2015, the company ended up compensating eleven women for the attacks. New rape allegations emerged later that year.
Barrick’s founder and chairman Peter Munk shrugged off his company’s liability, saying, “Gang rape is a cultural habit. Of course, you can’t say that because it’s politically incorrect. It’s outrageous. We have to pretend that everyone’s the same and cultures don’t matter. Unfortunately, it’s not that way.”
Barrick flouts indigenous rights in Latin America, profits from unsafe working conditions from Peru to Russia, and wreaks major environmental damage. Just last month, a Tanzanian inquiry heard that police killed sixty-five people and injured 270 others in the area around Barrick’s North Mara gold mine.Barrick isn’t the only bad apple. Vancouver-based Nevsun Resources was recently sued for allegedly using forced labor in its gold mine in Eritrea. The brutal dictatorship that condoned the practice holds a 40 percent stake in the mine.
Canada Is Not Honduras’ Friend: Coups, Repression and Profits
Historically, the United States has played a very negative role in supporting coups and military regimes and overthrowing governments across the Americas, and some listeners would be very familiar with that story. What people are less familiar with is with the role that Canada plays.
Whereas in the past I would say that Canada often quietly acquiesced to the interventionist role the U.S. has played in the Americas, with the Honduras coup in 2009, Canada played an explicit, front seat role in both legitimizing the coup and then politically and economically supporting the post coup regimes in power since then. As I said, it is a very repressive regime in power in Honduras, profoundly undemocratic, operating with high levels of repression, corruption and impunity.
“It doesn’t elect crazy nationalists”
Except we already elected Stephen Harper three fucking times.
With Anti-Muslim Campaign, Canada Has Its Trump Moment
Veiled Attack: Muslim-bashing is an effective campaign tactic
Goodbye, Harper. Good riddance.
Can Canadian politics get much more warped than what Harper pulled during the 2015 election? Sucking toes for votes with a crack-smoking mayor while touting family values. Trying to drive a wedge between majority and minority Canadians by exploiting the politics of bigotry over issues like the niqab — despite the court rulings against the Conservative position. Vowing to set up a rat line to expose “barbaric practices”, using the unforgettable sales team of Kellie Leitch and Chris Alexander.
Stephen Harper was Donald Trump before Trump was Trump, right down to the bigotry, fear-mongering, divisiveness, scapegoating, and profound anti-democratic impulses that had Canada’s entire parliamentary structure tottering, according to experts like Peter Milliken and Robert Marleau.
Canada’s Conservatives vow to create ‘barbaric cultural practices’ hotline
White people don’t have to worry about Canada’s new “report your neighbor” hotline
Also, remember when Stephen Harper decided to use the term “old stock Canadian” in public in the year 2015?? In spite of the fact that that word has some seriously shitty racial connotations attached to it?? And he used that word to justify why he thinks refugees aren’t entitled to univeral healthcare in Canada???
VIDEO: Um, what exactly IS an “old stock Canadian,” Stephen Harper?
“It doesn’t threaten to deport people”
No, we just arrest refugees then detain them indefinitely, and then treat them so poorly when they’re in detention that many of them wind up dying. We also scam our migrant workers and treat them like garbage and then send them packing when we don’t need them anymore.
Canada Border Services Agency must change way it treats migrants: Editorial
Fifteen people have died while in the custody of Canada Border Services Agency since 2000 and in most cases no one knows why. The service needs to be held accountable for the thousands of migrants it detains each year
These borders kill: Canada’s lethal immigration system
Migrants are the only population in Canada that can be administratively detained for long periods of time, or indefinitely, without being charged or convicted of any crime. There were 7,300 people detained in 2013, the most recent data made available by the government.
The Immigration and Refugee Protection Act gives the CBSA broad powers to detain migrants if they believe they are a flight risk, a danger to public safety, inadmissible to Canada on security grounds, or inadequately identified. The vast majority, 94.2 per cent, are detained on grounds other than posing a security threat.
Since 2012, the Protecting Canada’s Immigration System Act has “protected” the immigration system by imposing mandatory detention for all migrants designated as “irregular arrivals,” including those as young as 16.
[…]
In Canada, migrants may be detained indefinitely – unlike in the United States, for example, which imposes a 90-day limit on immigration detention. Out of 585 people in immigration detention in November 2013, 60 had been held for over a year. Some have been jailed for more than 10 years, trapped in the carceral limbo of undeportability.
Incarcerating migrants is inhumane: Goar
Guatemalan workers allegedly swindled out of work permits now face deportation: Migrant workers say they were paid as little as $300 for working 85 hours a week
“It feels like the government just sells you out to a white man.”
21 arrested for illegally crossing border in Manitoba: RCMP
An inexcusable travesty: Canada sent a Syrian minor to solitary confinement
“When the world was on fire in 2016, we were fine”
Choosing to remain willfully ignorant wrt Canadian politics and history doesn’t mean we were “fine.” It just means people were purposefully ignorant in favour of promoting a narrative that’s not true.
“Canada is exceptional”
#anonymous#asks#mod a#canada#canpoli#immigration#racism#imperialism#canadian imperialism#nationalism#white supremacy#economics#neo-liberalism#resources#gif
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PEPE ESCOBAR: MAGA Misses the Eurasia Train!
While China and Russia solidify their economic and political alliance, the U.S. is missing an historic chance to join a multilateral world, clinging instead to military empire, argues Pepe Escobar.
By Pepe Escobar, in Milan, Italy
February 4, 2019
We should know by now that the heart of the 21stCentury Great Game is the myriad layers of the battle between the United States and the partnership of Russia and China.
Even the U.S. National Defense Strategy says so: “The central challenge to U.S. prosperity and security is the reemergence of long-term, strategic competition by … revisionist powers.” The recently published assessment on U.S. defense implications of China’s global expansion says so too.
The clash will frame the emergence of a possibly new, post-ideological, strategic world order amidst an extremely volatile unpredictability in which peace is war and an accident may spark a nuclear confrontation.
The U.S. vs. Russia and China will keep challenging the West’s obsession in deriding “illiberalism,” a fearful, rhetorical exercise that equates Russian democracy with China’s one party rule, Iran’s demo-theocracy and Turkey’s neo-Ottoman revival.
It’s immaterial that Russia’s economy is one-tenth of China’s. From boosting trade that bypasses the U.S. dollar, to increasing joint military exercises, the Russia-China symbiosis is poised to advance beyond political and ideological affinities.
China badly needs Russian know-how in its military industry. Beijing will turn this knowledge into plenty of dual use, civilian-military innovations.
The long game indicates Russia and China will break down language and cultural barriers to lead Eurasian integration against American economic hegemony backed by military might.
One could say the Eurasian century is already upon us. The era of the West shaping the world at will (a mere blip of history) is already over. This is despite Western elite denials and fulminations against the so-called “morally reprehensible,” “forces of instability” and “existential threats.”
Standard Chartered, the British financial services company, using a mix of purchasing power exchange rates and GDP growth, has projected that the top five economies in 2030 will be China, the U.S., India, Japan and Russia. These will be followed by Germany, Indonesia, Brazil, Turkey and the UK. Asia will extend its middle class as they are slowly killed off across the West.
Hop on the Trans-Eurasia Express
A case can be made that Beijing’s elites are fascinated at how Russia, in less than two decades, has returned to semi-superpower status after the devastation of the Yeltsin years.
That happened to a large extent due to science and technology. The most graphic example is the unmatched, state-of-the-art weaponry unveiled by President Vladimir Putin in his March 1, 2018 speech.
In practice, Russia and China will be advancing the alignment of China’s New Silk Roads, or Belt and Road Initiative (BRI), with Russia’s Eurasia Economic Union (EAEU).
There’s ample potential for a Trans-Eurasia Express network of land and maritime transport corridors to be up and running by the middle of next decade, including, for instance, road and railway bridges connecting China with Russia across the Heilongjiang River.
Heilongjiang or Armur river separating China and Russia. (Wikimedia)
Following serious trilateral talks involving Russia, India and Iran last November, closer attention is being paid to the International North-South Transportation Corridor (INSTC), a 7,200-km long lane mixing sea and rail routes essentially linking the Indian Ocean with the Persian Gulf through Iran and Russia and further on down the road, to Europe.
Imagine cargo transiting from all over India to the Iranian port of Bandar Abbas, then overland to Bandar Anzali, an Iranian port on the Caspian Sea, and then on to the Russian southern port of Astrakhan, and after that to Europe by rail. From New Delhi’s point of view, that means shipping costs reduced by up to 40 percent, and Mumbai-to-Moscow in only 20 days.
Down the line, INSTC will merge with BRI – as in Chinese-led corridors linked with the India-Iran-Russia route into a global transport network.
This is happening just as Japan is looking at the Trans-Siberian Railway – which will be upgraded throughout the next decade – to improve its connections with Russia, China and the Koreas. Japan is now a top investor in Russia and at the same time very much interested in a Korea peace deal. That would free Tokyo from massive defense spending conditioned by Washington’s rules. The EAEU free trade agreements with ASEAN can be added to that.
Especially over these past four years, Russia has also learned how to attract Chinese investment and wealth, aware that Beijing’s system mass-produces virtually everything and knows how to market it globally, while Moscow needs to fight every block in the book dreamed up by Washington.
The Huawei-Venezuela “Axis of Evil”
Metal Truss Railroad Bridge (Kama River, near Perm city). Early color photograph from Russia, created by Sergei Mikhailovich Prokudin-Gorskii as part of his work to document the Russian Empire from 1909 to 1915. (Wikimedia)
While Washington remains a bipartisan prisoner to the Russophobic Platonic cave – where Cold War shadows on the wall are taken as reality – MAGA is missing the train to Eurasia.
A many-headed hydra, MAGA, stripped to the bone, could be read as a non-ideological antidote to the Empire’s global adventurism. Trump, in his non-strategic, shambolic way, proposed at least in theory the return to a social contract in the U.S. MAGA in theory would translate into jobs, opportunities for small businesses, low taxes and no more foreign wars.
It’s nostalgia for the 1950s and 60s before the Vietnam quagmire and before “Made in the USA” was slowly and deliberately dismantled. What’s left are tens of trillions of national debt; a quadrillion in derivatives; the Deep State running amok; and a lot of pumped up fear of evil Russians, devious Chinese, Persian mullahs, the troika of tyranny, the Belt and Road, Huawei, and illegal aliens.
More than a Hobbesian “war of all against all” or carping about the “Western rules-based system” being under attack, the fear is actually of the strategic challenge posed by Russia and China, which seeks a return to rule by international law.
MAGA would thrive if hitched to a ride on the Eurasia integration train: more jobs and more business opportunities instead of more foreign wars. Yet MAGA won’t happen – to a large extent because what really makes Trump tick is his policy of energy dominance to decisively interfere with Russia and China’s development.
The Pentagon and the “intel community” pushed the Trump administration to go after Huawei, branded as a nest of spies, while pressuring key allies Germany, Japan and Italy to follow. Germany and Japan permit the U.S. to control the key nodes in the extremities of Eurasia. Italy is essentially a large NATO base.
The U.S. Department of Justice requested the extradition of Huawei CFO Meng Wanzhou from Canada last Tuesday, adding a notch to the Trump administration’s geopolitical tactic of “blunt force trauma.”
Add to it that Huawei – based in Shenzhen and owned by its workers as shareholders – is killing Apple across Asia and in most latitudes across the Global South. The real the battle is over 5G, in which China aims to upstage the U.S., while upgrading capacity and production quality.
The digital economy in China is already larger than the GDP of France or the UK. It’s based on the BATX companies (Baidu, Alibaba, Tencent, Xiaomi), Didi (the Chinese Uber), e-commerce giant JD.com and Huawei. These Big Seven are a state within a civilization – an ecosystem they’ve constructed themselves, investing fortunes in big data, artificial intelligence (AI) and the internet. American giants – Facebook, Instagram, Twitter and Google – are absent from this enormous market.
Moreover, Huawei’s sophisticated encryption system in telecom equipment prevents interception by the NSA. That helps account for its extreme popularity all across the Global South, in contrast to the Five Eyes (U.S., UK, Canada, Australia, New Zealand) electronic espionage network.
The economic war on Huawei is also directly connected to the expansion of BRI across 70 Asian, European and African nations, constituting a Eurasia-wide network of commerce, investment and infrastructure able to turn geopolitical and geo-economic relations, as we know them, upside down.
Greater Eurasia Beckons
Whatever China does won’t alter the Deep State’s obsession about “an aggression against our vital interests,” as stated by the National Defense Strategy. The dominant Pentagon narrative in years to come will be about China “intending to impose, in the short term, its hegemony in the Indo-Pacific region, and catch the United States off-guard in order to achieve future global pre-eminence.” This is mixed with a belief that Russia wants to “crush NATO” and “sabotage the democratic process in Crimea and Eastern Ukraine.”
The Karakoram Highway connecting Pakistan and China, sometimes referred to as the English Wonder of the World. (Wikimedia)
During my recent travels along the northern part of the China-Pakistan Economic Corridor (CPEC), I saw once again how China is upgrading highways, building dams, railways and bridges that are useful not only for its own economic expansion but also for its neighbors’ development. Compare it to U.S. wars – as in Iraq and Libya – where dams, railways and bridges are destroyed.
Russian diplomacy is all but winning the New Cold War — as diagnosed by Prof. Stephen Cohen in his latest book, War with Russia: From Putin and Ukraine to Trump and Russiagate.
Moscow mixes serious warnings with diverse strategies, such as resurrecting the South Stream gas pipeline to supply Europe as an extension of Turk Stream after the Trump administration also furiously opposed the Nord Stream 2 pipeline with sanctions on Russia. Meanwhile, Moscow ramps up energy exports to China.
The advance of the Belt and Road Initiative is linked to Russian security and energy exports, including the Northern Sea Route, as an alternative future transportation corridor to Central Asia. Russia emerges then as the top security guarantee for Eurasian trade and economic integration.
Last month in Moscow, I discussed Greater Eurasia– by now established as the overarching concept of Russian foreign policy – with top Russian analysts. They told me Putin is on board. He referred to Eurasia recently as “not a chessboard or a geopolitical playground, but our peaceful and prosperous home.”
Needless to say, U.S. think tanks dismiss the idea as “abortive”. They ignore Prof. Sergey Karaganov, who as early as mid-2017 was arguing that Greater Eurasia could serve as a platform for “a trilateral dialogue on global problems and international strategic stability between Russia, the United States and China.”
As much as the Beltway may refuse it, “The center of gravity of global trade is now shifting from the high seas toward the vast continental interior of Eurasia.”
Beijing Skirts the Dollar
Beijing is realizing it can’t meet its geo-economic goals on energy, security, and trade without bypassing the U.S. dollar.
According to the IMF, 62 percent of global central bank reserves were still held in U.S. dollars by the second quarter of 2018. Around 43 per cent of international transactions on SWIFT are still in U.S. dollars. Even as China, in 2018, was the single largest contributor to global GDP growth, at 27.2 percent, the yuan still only accounts for 1 percent of international payments, and 1.8 per cent of all reserve assets held by central banks.
The author at the Khunjerab pass, China-Pak border, on New Silk Road overdrive.
It takes time, but change is on the way. China’s cross-border payment network for yuan transactions was launched less than four years ago. Integration between the Russian Mir payment system and Chinese Union Pay appears inevitable.
Bye Bye Drs. K and Zbig
Russia and China are developing the ultimate nightmare for those former shamans of U.S. foreign policy, Henry Kissinger and the late Zbigniew “Grand Chessboard” Brzezinski.
Back in 1972 Kissinger was the mastermind – with logistical help from Pakistan – of the Nixon moment in China. That was classic Divide and Rule, separating China from the USSR. Two years ago, before Trump’s inauguration, Dr. K’s advice dispensed at Trump Tower meetings consisted of a modified Divide and Rule: the seduction of Russia to contain China.
The Kissinger doctrine rules that, geopolitically, the U.S. is just “an island off the shores of the large landmass of Eurasia.” Domination “by a single power of either of Eurasia’s two principal spheres – Europe or Asia – remains a good definition of strategic danger for America, Cold War or no Cold War,” as Kissinger said. “For such a grouping would have the capacity to outstrip America economically and, in the end, militarily.”
The Zbig doctrine ran along similar lines. The objectives were to prevent collusion and maintain security among the EU-NATO vassals; keep tributaries pliant; keep the barbarians (a.k.a. Russians and allies) from coming together; most of all prevent the emergence of a hostile coalition (as in today’s Russia-China alliance) capable of challenging U.S. hegemony; and submit Germany, Russia, Japan, Iran, and China to permanent Divide and Rule.
Thus the despair of the current National Security Strategy, forecasting China displacing the United States “to achieve global preeminence in the future,” through BRI’s supra-continental reach.
The “policy” to counteract such “threats” is sanctions, sanctions, and more unilateral sanctions, coupled with an inflation of absurd notions peddled across the Beltway – such as that Russia is aiding and abetting the re-conquest of the Arab world by Persia. Also that Beijing will ditch the “paper tiger” “Made in China 2025” plan for its major upgrade in global, high-tech manufacturing just because Trump hates it.
Once in a blue moon a U.S. report actually gets it right, such as in Beijing speeding up an array of BRI projects; as a modified Sun Tzu tactic deployed by President Xi Jinping.
At the June 2016 Shangri-La Dialogue in Singapore, Professor Xiang Lanxin, director of the Centre of One Belt and One Road Studies at the China National Institute for SCO International Exchange and Judicial Cooperation, defined BRI as an avenue to a “post-Westphalian world.” The journey is just beginning; a new geopolitical and economic era is at hand. And the U.S. is being left behind at the station.
Pepe Escobar, a veteran Brazilian journalist, is the correspondent-at-large for Hong Kong-based Asia Times. His latest book is 2030.
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WE charity scandal – A simple guide to the new crisis for Trudeau
Image copyright Getty Photos for We Day
Image caption Sophie Gregoire Trudeau and Prime Minister Justin Trudeau seem at a WE Day UN tournament
When Prime Minister Justin Trudeau came to vitality in 2015, he promised a contemporary extra or less politics. But now he’s going thru his third ethics scandal. What’s happening?
In June, Canada announced it had tapped WE Charity – properly-known for its celeb studded WE Day conferences – to bustle a contemporary programme for varsity students laborious hit by the financial plug.
How did that resolution result in allegations of cronyism and conflicts of hobby, two federal ethics inquiries, a spotlight on Mr Trudeau’s family and calls for him to quit?
Here’s a facts to the political scandal.
This time, it involves Trudeau’s family
Mr Trudeau goes thru the third ethics investigation of his five years rather than work over the authorities’s resolution to award a contract price up to $43.5m to WE Charity Canada.
The programme used to be designed to join post-secondary students to paid volunteer opportunities to carry out up for summer season job prospects that had disappeared right thru the pandemic.
It later emerged that Mr Trudeau’s mother and brother had been paid for speaking at diversified WE events over the years.
Margaret Trudeau used to be paid C$250,000 for speaking at 28 WE events over four years, and brother Alexander used to be paid C$32,000 for speaking at eight between 2017-2018.
Mr Trudeau has also made long-established appearances himself – alongside side its first ever tournament in 2007, in step with facts space iPolitics – and his wife, Sophie Gregoire-Trudeau, hosted a wellness podcast for the charity.
The prime minister did now not recuse himself from discussions linked to the resolution to grant WE the contract. He has apologised for that.
The federal ethics watchdog has confirmed his achieve of work is making an strive into the matter.
“This nation is governed by a fairly exiguous circle of elites and there is a cult of the insider that buttresses this, that produces these form of scandals fairly mechanically,” says Canadian political theorist David Moscrop.
“That’s the structural articulate – that Canada finally ends up being a exiguous nation governed by a exiguous handful of different folks.”
His finance minister below force
Savor Mr Trudeau, federal finance minister Bill Morneau’s family had ties to WE Charity. Two of his daughters are linked to the organisation, the truth is one of them as an worker.
Image copyright Reuters
Image caption Finance Minister Bill Morneau says overlooking the bills used to be done in error
Mr Morneau testified earlier this week sooner than a Condo of Commons finance committee making an try into the matter that his family had taken two humanitarian trips, to Kenya and Ecuador, to glimpse WE Charity’s in a international nation work.
He acknowledged he recently realised he had now not paid C$41,000 in linked wander bills for these visits and has since decrease a cheque.
WE acknowledged in an announcement that, while the trips possess been complimentary, the minister has reimbursed the organisation for the quantity they would possess been charged within the occasion that that they had paid on the time.
The charity acknowledged it on a long-established foundation holds excursions for “illustrious philanthropists” savor Mr Morneau and his wife, who each intention from properly to attain Canadian households.
Opposition parties are in actuality calling for him to resign or be fired for the trips, which they argue breached ethics suggestions.
Mr Moscrop suggests while the WE day out funds would possibly well well easily possess been oversight “in wish to malice” it will get “cynicism, anger and frustration, and all that on the time of a lethal illness is doubly troublesome”.
The finance minister is currently being regarded for skill ethics violations for failing to recuse himself from linked discussions – for which he apologised.
WE is below the microscope
WE Charity used to be based 25 years within the past by brothers Craig and Marc Kielburger in their fogeys’ home in Ontario when Craig used to be 12 years old.
Formerly is named Free the Childhood, the charity targeted on ending child exploitation and rapid drew world recognition.
Its co-founders grew to turn out to be native celebrities, and possess seemed on tv programmes such because the Oprah Winfrey Give an explanation for and 60 Minutes.
The charity’s WE Day motivational conferences possess turn out to be rites of passage for a range of Canadian youths, who’re drawn to its message they are able to alternate the world and to its roster of celeb audio system and performers.
Image copyright AFP by project of Getty Photos
Image caption We Charity used to be based within the mid-90s by the Kielburger brothers
It is now a huge-ranging organisations with operations within the UK, Canada, and the US.
WE withdrew from the federal programme early this month because it had been “enmeshed in controversy from the moment of its announcement”, the organisation acknowledged.
But the scrutiny over the contract has prolonged to the charity itself, raising questions about its sprawling organisational construction, ties between its social endeavor department and its charitable entities, and its within culture.
On Friday, the Globe and Mail reported that some partners and sponsors, alongside side the Queen’s Commonwealth Belief and Virgin Atlantic Airways, are reviewing their relationships.
In mid-July, the charity acknowledged it has made up our minds to carry out each governance and structural adjustments and to refocus its normal mandate of world construction, and would rent birth air consulting companies for a overview.
Students are left in limbo
Rahul Singh, govt director World Medic, a Toronto-based entirely charity that presents emergency humanitarian abet, acknowledged he used to be at the birth excited by the volunteerism programme, this week telling Canadian parliamentarians it regarded savor a “top and a natural fit” for his organisation.
Regardless of the controversy, the programme did get better from 35,000 functions and had 83 now not-for-profit partners.
It is now in an obvious retaining pattern following WE’s withdrawal.
Image copyright Toronto Huge title by project of Getty Photos
Image caption World Medic’s Rahul Singh urged MPs that the ‘ greatest loser on that is at likelihood of be the students’
Mr Singh has a range of pupil volunteers enrolled within the programme and says he used to be urged the federal authorities would step in after the WE partnership fell apart. He acknowledged he had yet to listen to abet.
“Now I’m very entertaining that the students will now not get a bursary,” he urged the Condo committee, later adding: “I’m very disquieted about folks falling thru the cracks due to unlucky policy choices.”
It is beginning to harm his toughen
The federal Liberals peaceful retain a miniature lead over their conservative opponents, but thought surveys imply the controversy is taking its toll.
Nationwide Liberal toughen has slipped for the reason that revelations came to gentle, as possess Mr Trudeau’s approval scores, in step with a 20 July poll by Abacus Recordsdata.
Reactions to how the authorities dealt with the matter trend harmful across the nation, alongside side among some 40% of different folks that voted for the Liberals in final 365 days’s election, the poll signifies.
It is doubtless this would well remain within the headlines for a while.
Mr Trudeau has a minority authorities, giving opposition parties extra regulate of the agenda and the tools to “scamper it out as long as skill”, says Mr Moscrop.
The prime minister, as requested by the opposition Conservatives, and the Kielburgers will even be making appearances sooner than the Condo committee within the arriving days.
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Denver’s Tyler Tysdal and Robert Hirsch Have A Discussion About Easy methods to Your Small business Around Denver
Tyler T. Tysdal Announcements http://www.thehankfulhouse.com/tyler-tysdal-differentiating-between-venture-capital-and-private-equity/
Information: Freedom Factory 5500 Greenwood Plaza Blvd., Ste 230 Greenwood Village, CO 80111 Phone: 844-MAX-VALUE (844-629-8258) https://www.freedomfactory.com/
Contact Tyler Tysdal https://vimeopro.com/freedomfactory/tyler-tysdal
Ty Tysdal Media Reports https://tylertysdal1.wordpress.com/
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” I am proud that the Mental Health Center of Denver has been acknowledged once again as a Denver Post Top Office and honored that our staff members rank us as a great place to work,” said president and CEO Carl Clark, M.D. In 1963, FirstBank was founded as an employee-owned, community-based business, and it has remained that method since.
” We take pride in not just creating considerable task opportunities, however supplying a healthy and nurturing workplace so staff members can delight in long and fulfilling professions,” stated FirstBank chief operating officer Emily Robinson. “We acknowledge delighted and engaged workers are essential to FirstBank’s success, and we are dedicated to keeping worker fulfillment a leading priority.” Committed to neighborhood sustainability at its core, FirstBank grants workers paid volunteer time.
” At FirstBank, our company believe if you do what’s best for your customers, neighborhoods and employees, advantages will occur. This is what we refer to as ‘Banking for good.'” Robinson said. Released in 2012, Ibotta is currently Denver’s biggest consumer tech startup. Presenting a New Age technique to couponing, Ibotta has actually transformed the method customers conserve cash in the kind of a totally free mobile app that has actually so far gathered almost 30 million downloads.
” Ibotta’s mission is basic: Make every purchase rewarding,” said Ibotta CEO Bryan Leach. “We have actually paid American consumers over half a billion dollars in cash-back benefits on their everyday purchases. “Our workplace is directed by our worths of Integrity, Boldness, Outhustle, Teamwork, Openness and A Good Concept Can Originate From Anywhere (IBOTTA). indictment.” A collective, fluid company culture is cultivated through monthly pleased hours, an annual bonus supper, versatile time off and so forth.
Jefferson Center for Mental Health started as a part-time group of four in the basement of a county court house more than 60 years earlier. Ever since, the nonprofit has actually thrived while still staying a community-focused treatment center for substance use and mental healthcare, taking innovative actions towards a transformation in the country’s mental health care systems.
In 2015, it met the requirements of more than 32,000 patients through counseling, education and prevention programs – according. “At Jefferson Center, our neighborhood is at the core of everything we do. We are driven by our dedication to look after those whom we serve, work and partner with each and every day,” stated president and CEO Kiara Kuenzler, Psy.
Jefferson Center provides staff members generous advantages that touch on retirement cost savings, health and wellness initiatives, and a healthy work/life balance. The center likewise provides competitive internship chances for trainees exploring social work, psychology and counseling. Helping Denver’s low-income population, Clinica Campesina Household Health Providers functions as a “medical security internet” for all of the Denver community.
Although Clinica has more than 600 workers, 5 medical clinics and three oral offices, its cost per client is less than the state and nationwide averages. “For 42 years, the personnel of Clinica Family Health have actually offered remarkable, economical healthcare to struggling members of our neighborhood so they do not have to choose between purchasing groceries and seeing a medical professional,” said Patsy Byers, vice president of human resources for Clinica.
Alliance Data supplies significant company names around the world with top quality credit-card programs and loyalty-driven marketing campaigns that intend to promote and strengthen honest relationships in between clients and clients. At Alliance Data, the essential to constructing successful relationships for its clients is to first develop successful relationships within its own company.
” We are happy to foster an environment where associates feel appreciated, accepted, valued and fulfilledboth personally and professionally.” Alliance Data Care Centers have landed among the leading 5 percent of call centers in the industry across the country. In spite of the whopping 900-plus individuals employed by the Colorado branch alone, Alliance Data aims to preserve a familial work environment culture.
With roughly 3,100 employees across the country, nearly 1,000 of them are at Colorado’s five places. The long time industry giant has pioneered ingenious techniques to electrical construction. Some location historians even credit founding father David Dwight Sturgeon with the custom of stringing Christmas lights outside our homes. A subsidiary of the megacorporation MYR Group, Sturgeon Electric effectively balances the familial vibes of a regional service with the stability and perks that include a big institution.
” We genuinely take care of our people and are dedicated to their self-improvement.” At Martin Marietta, a leading supplier of structure products, there’s a saying: “It’s not just what we make. It’s what we make possible.” Martin Marietta does not simply construct buildings, it lays the foundationliterally and figurativelyfor growing communities to flourish – facebook.
The company now spans throughout 26 states, plus Canada and the Bahamas. Colorado facilities dot the Front Range, from Pueblo to Fort Collins. On top of nonprofit sponsorships, Martin Marietta donates products for a range of projects put on by university engineering trainees, Eagle Scouts and regional Young boys and Women Club.
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syndicated from Denver’s Tyler Tysdal and Robert Hirsch Have A Discussion About Easy methods to Your Small business Around Denver via Kaprowy Kropt
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Denver's Tyler Tysdal and Robert Hirsch Have A Discussion About Easy methods to Your Small business Around Denver Tyler T. Tysdal Announcements http://www.thehankfulhouse.com/tyler-tysdal-differentiating-between-venture-capital-and-private-equity/ Information: Freedom Factory 5500 Greenwood Plaza Blvd., Ste 230 Greenwood Village, CO 80111 Phone: 844-MAX-VALUE (844-629-8258) https://www.freedomfactory.com/ Contact Tyler Tysdal https://vimeopro.com/freedomfactory/tyler-tysdal Ty Tysdal Media Reports https://tylertysdal1.wordpress.com/ . " We're proud to be the biggest work center in the Charles Schwab network with an advanced campus in Lone Tree, home to roughly 4,000 workers. Schwab is a terrific location to work. And so is Colorado." Established in 1989, Accenture offers a series of professional consulting services across more than 40 markets, establishing and executing solutions to clients' most difficult digital and business obstacles. By 2020, Accenture expects the conclusion of 10 new development hubs work areas for staff member and customers and the development of roughly 15,000 more task chances. In the name of cultivating an inclusive, equivalent- chance work culture, Accenture intends to turn into one of the world's leading work environments in diversity. By 2025, the company wishes to have a one-to-one ratio of guys and females in its workforce. Not just doubling the average maternity delegate 16 weeks, Accenture also provides breast milk shipping for traveling mothers, health spaces within the office and backup childcare. Just under 5 years old, Keysight Technologies is a technology leader focusing on electronic measurement. Keysight offers responses to difficulties in sectors such as aerospace and defense; vehicle and energy; digital communication; federal government; and provider. Fantastic Place to Work-certified and a finalist on the Fortune 100 Finest Offices for Diversity list, Keysight is proud to consider inclusivity an important part of its core values. If fact, women make up 25 percent of the Keysight workforce and 14 percent of Keysight executives. Keysight Technologies a market leader in electronic style, screening, manufacturing and optimization likewise practices and promotes accountable use of natural deposits in an ecologically sustainable method. Established on the concepts of teamwork and management, Encore promotes a growing internal neighborhood. Repetition provides staff with chances to cultivate meaningful professions through apprenticeships, electrical education, safety/OSHA training, management, management advancement and more. "Encore Electric is committed to supplying all things power, innovation and energy to our partners and consumers," said Willis Wiedel, president of Repetition Electric. Founded in Boston in 1946, Fidelity has actually considering that made its way across the nation and planted 5 financier centers in Colorado. A leading name in individual and service financial investments, Fidelity assists customers with wealth management, financial planning and investment guidance. "Fidelity Investments' mission for more than 72 years hasn't changed: To enhance and protect our clients' monetary well-being," stated Stacy Roode, basic manager and Colorado area leader. Fidelity's very first Colorado investor center set up store in 1986 and has actually because served countless customers. "Fidelity is here for the long term, and our partners are dedicated to returning to the community. Last year, Colorado employees donated nearly 1,200 hours volunteering at nonprofits and schools," Roode stated. Developed in 1989 and now touting 35 campus and center areas, as well as 780 employees, the Mental University Hospital of Denver is a leading entity in human and social services. Through Adult Healing Services, Child & Household Solutions, and Rehabilitation Providers, the Mental Health Center of Denver supplies psychological disease and substance-use healing programs, comprehending that this need to consist of economical housing, access to medical care, quality education and employment preparedness assistance programs, dependable transportation assistance and comparable services. " I am proud that the Mental Health Center of Denver has been acknowledged once again as a Denver Post Top Office and honored that our staff members rank us as a great place to work," said president and CEO Carl Clark, M.D. In 1963, FirstBank was founded as an employee-owned, community-based business, and it has remained that method since. " We take pride in not just creating considerable task opportunities, however supplying a healthy and nurturing workplace so staff members can delight in long and fulfilling professions," stated FirstBank chief operating officer Emily Robinson. "We acknowledge delighted and engaged workers are essential to FirstBank's success, and we are dedicated to keeping worker fulfillment a leading priority." Committed to neighborhood sustainability at its core, FirstBank grants workers paid volunteer time. " At FirstBank, our company believe if you do what's best for your customers, neighborhoods and employees, advantages will occur. This is what we refer to as 'Banking for good.'" Robinson said. Released in 2012, Ibotta is currently Denver's biggest consumer tech startup. Presenting a New Age technique to couponing, Ibotta has actually transformed the method customers conserve cash in the kind of a totally free mobile app that has actually so far gathered almost 30 million downloads. " Ibotta's mission is basic: Make every purchase rewarding," said Ibotta CEO Bryan Leach. "We have actually paid American consumers over half a billion dollars in cash-back benefits on their everyday purchases. "Our workplace is directed by our worths of Integrity, Boldness, Outhustle, Teamwork, Openness and A Good Concept Can Originate From Anywhere (IBOTTA). indictment." A collective, fluid company culture is cultivated through monthly pleased hours, an annual bonus supper, versatile time off and so forth. Jefferson Center for Mental Health started as a part-time group of four in the basement of a county court house more than 60 years earlier. Ever since, the nonprofit has actually thrived while still staying a community-focused treatment center for substance use and mental healthcare, taking innovative actions towards a transformation in the country's mental health care systems. In 2015, it met the requirements of more than 32,000 patients through counseling, education and prevention programs - according. "At Jefferson Center, our neighborhood is at the core of everything we do. We are driven by our dedication to look after those whom we serve, work and partner with each and every day," stated president and CEO Kiara Kuenzler, Psy. Jefferson Center provides staff members generous advantages that touch on retirement cost savings, health and wellness initiatives, and a healthy work/life balance. The center likewise provides competitive internship chances for trainees exploring social work, psychology and counseling. Helping Denver's low-income population, Clinica Campesina Household Health Providers functions as a "medical security internet" for all of the Denver community. Although Clinica has more than 600 workers, 5 medical clinics and three oral offices, its cost per client is less than the state and nationwide averages. "For 42 years, the personnel of Clinica Family Health have actually offered remarkable, economical healthcare to struggling members of our neighborhood so they do not have to choose between purchasing groceries and seeing a medical professional," said Patsy Byers, vice president of human resources for Clinica. Alliance Data supplies significant company names around the world with top quality credit-card programs and loyalty-driven marketing campaigns that intend to promote and strengthen honest relationships in between clients and clients. At Alliance Data, the essential to constructing successful relationships for its clients is to first develop successful relationships within its own company. " We are happy to foster an environment where associates feel appreciated, accepted, valued and fulfilledboth personally and professionally." Alliance Data Care Centers have landed among the leading 5 percent of call centers in the industry across the country. In spite of the whopping 900-plus individuals employed by the Colorado branch alone, Alliance Data aims to preserve a familial work environment culture. With roughly 3,100 employees across the country, nearly 1,000 of them are at Colorado's five places. The long time industry giant has pioneered ingenious techniques to electrical construction. Some location historians even credit founding father David Dwight Sturgeon with the custom of stringing Christmas lights outside our homes. A subsidiary of the megacorporation MYR Group, Sturgeon Electric effectively balances the familial vibes of a regional service with the stability and perks that include a big institution. " We genuinely take care of our people and are dedicated to their self-improvement." At Martin Marietta, a leading supplier of structure products, there's a saying: "It's not just what we make. It's what we make possible." Martin Marietta does not simply construct buildings, it lays the foundationliterally and figurativelyfor growing communities to flourish - facebook. The company now spans throughout 26 states, plus Canada and the Bahamas. Colorado facilities dot the Front Range, from Pueblo to Fort Collins. On top of nonprofit sponsorships, Martin Marietta donates products for a range of projects put on by university engineering trainees, Eagle Scouts and regional Young boys and Women Club. Watch Video
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Robert Hirsch and Tyler Tysdal Reveal Methods to Sell a Business Robert Hirsch and Tyler Tysdal Info https://boherald.com/tyler-tysdal-has-been-helping-entrepreneurs-sell-their-business-for-maximum-value/ Information: Freedom Factory 5500 Greenwood Plaza Blvd., Ste 230 Greenwood Village, CO 80111 Phone: 844-MAX-VALUE (844-629-8258) https://www.freedomfactory.com/ Contact Tyler Tysdal https://vimeopro.com/freedomfactory/tyler-tysdal Tyler T. Tysdal Information And Facts https://www.instagram.com/tyler_tysdal/ . " We're happy to be the biggest work center in the Charles Schwab network with an advanced campus in Lone Tree, house to approximately 4,000 workers. Schwab is a great place to work. Therefore is Colorado." Established in 1989, Accenture uses a variety of expert consulting services across more than 40 industries, developing and implementing options to clients' toughest digital and service obstacles. By 2020, Accenture anticipates the conclusion of 10 new innovation hubs offices for staff member and customers and the development of approximately 15,000 more job opportunities. In the name of promoting an inclusive, equivalent- chance work culture, Accenture intends to end up being one of the world's leading workplaces in diversity. By 2025, the company intends to have a one-to-one ratio of guys and women in its workforce. Not just doubling the average maternity leave to 16 weeks, Accenture likewise uses breast milk shipping for traveling mothers, health spaces within the office and backup child care. Just under 5 years old, Keysight Technologies is an innovation leader specializing in electronic measurement. Keysight provides responses to challenges in sectors such as aerospace and defense; automobile and energy; digital communication; federal government; and provider. Terrific Location to Work-certified and a finalist on the Fortune 100 Best Offices for Diversity list, Keysight is happy to consider inclusivity an essential part of its core values. If truth, females make up 25 percent of the Keysight labor force and 14 percent of Keysight executives. Keysight Technologies a market leader in electronic design, testing, production and optimization also practices and promotes responsible usage of natural resources in an ecologically sustainable way. Established on the principles of team effort and management, Encore fosters a flourishing internal neighborhood. Repetition offers personnel with chances to cultivate meaningful careers through apprenticeships, electrical education, safety/OSHA training, management, management advancement and more. "Repetition Electric is dedicated to offering all things power, innovation and energy to our partners and consumers," said Willis Wiedel, president of Encore Electric. Founded in Boston in 1946, Fidelity has actually because made its method across the nation and planted five investor centers in Colorado. A leading name in individual and business financial investments, Fidelity helps clients with wealth management, financial planning and financial investment advice. "Fidelity Investments' objective for more than 72 years hasn't altered: To strengthen and protect our clients' monetary wellness," stated Stacy Roode, basic manager and Colorado area leader. Fidelity's first Colorado financier center started a business in 1986 and has because served millions of customers. "Fidelity is here for the long term, and our associates are committed to offering back to the neighborhood. In 2015, Colorado staff members contributed almost 1,200 hours offering at nonprofits and schools," Roode stated. Developed in 1989 and now touting 35 campus and center places, along with 780 workers, the Mental University Hospital of Denver is a leading entity in human and social services. Through Adult Recovery Solutions, Kid & Household Solutions, and Rehab Solutions, the Mental University Hospital of Denver offers mental disorder and substance-use healing programs, understanding that this must consist of cost effective real estate, access to medical care, quality education and employment readiness assistance programs, dependable transportation assistance and similar services. " I am proud that the Mental Health Center of Denver has actually been recognized again as a Denver Post Top Work environment and honored that our employees rank us as a terrific place to work," said president and CEO Carl Clark, M.D. In 1963, FirstBank was established as an employee-owned, community-based business, and it has actually stayed that way since. " We take pride in not just creating significant job opportunities, however supplying a healthy and nurturing workplace so workers can take pleasure in long and fulfilling careers," stated FirstBank chief running officer Emily Robinson. "We recognize pleased and engaged employees are essential to FirstBank's success, and we are dedicated to keeping worker fulfillment a leading priority." Committed to community sustainability at its core, FirstBank grants staff members paid volunteer time. " At FirstBank, we think if you do what's finest for your customers, neighborhoods and staff members, great things will happen. This is what we describe as 'Banking for great.'" Robinson stated. Introduced in 2012, Ibotta is already Denver's greatest customer tech startup. Presenting a New Age method to couponing, Ibotta has transformed the method customers conserve money in the form of a complimentary mobile app that has up until now amassed almost 30 million downloads. " Ibotta's objective is basic: Make every purchase gratifying," stated Ibotta CEO Bryan Leach. "We have paid American customers over half a billion dollars in cash-back benefits on their daily purchases. "Our office is assisted by our worths of Stability, Boldness, Outhustle, Teamwork, Transparency and A Good Idea Can Originate From Anywhere (IBOTTA). business." A collective, fluid company culture is cultivated through monthly pleased hours, an annual bonus dinner, flexible time off and so forth. Jefferson Center for Mental Health started as a part-time group of four in the basement of a county court house more than 60 years ago. Ever since, the not-for-profit has flourished while still remaining a community-focused treatment center for substance usage and mental healthcare, taking ingenious actions toward a transformation in the country's mental health care systems. Last year, it met the requirements of more than 32,000 clients through therapy, education and avoidance programs - account. "At Jefferson Center, our community is at the core of whatever we do. We are driven by our commitment to take care of those whom we serve, work and partner with each and every day," stated president and CEO Kiara Kuenzler, Psy. Jefferson Center offers staff members generous advantages that discuss retirement savings, health and health initiatives, and a healthy work/life balance. The center likewise provides competitive internship chances for students exploring social work, psychology and therapy. Helping Denver's low-income population, Clinica Campesina Family Health Solutions functions as a "medical safeguard" for all of the Denver community. Although Clinica has more than 600 employees, five medical centers and 3 dental offices, its cost per client is less than the state and national averages. "For 42 years, the personnel of Clinica Household Health have actually supplied extraordinary, affordable healthcare to having a hard time members of our neighborhood so they don't have to select in between buying groceries and seeing a doctor," said Patsy Byers, vice president of human resources for Clinica. Alliance Data provides notable company names around the world with branded credit-card programs and loyalty-driven marketing projects that intend to foster and reinforce sincere relationships between clients and clients. At Alliance Data, the crucial to building effective relationships for its clients is to first build successful relationships within its own company. " We are proud to promote an environment where associates feel valued, accepted, valued and fulfilledboth personally and expertly." Alliance Data Care Centers have landed among the leading 5 percent of call centers in the market across the country. In spite of the tremendous 900-plus people employed by the Colorado branch alone, Alliance Data makes every effort to preserve a familial work environment culture. With approximately 3,100 staff members across the country, almost 1,000 of them are at Colorado's 5 locations. The long time market giant has actually pioneered ingenious techniques to electrical building. Some location historians even credit founding dad David Dwight Sturgeon with the custom of stringing Christmas lights outside our homes. A subsidiary of the megacorporation MYR Group, Sturgeon Electric effectively stabilizes the familial vibes of a local company with the stability and benefits that feature a large institution. " We genuinely look after our people and are dedicated to their self-improvement." At Martin Marietta, a prominent supplier of building products, there's a stating: "It's not simply what we make. It's what we enable." Martin Marietta does not just develop structures, it lays the foundationliterally and figurativelyfor growing communities to flourish - facebook. The company now covers across 26 states, plus Canada and the Bahamas. Colorado centers dot the Front Range, from Pueblo to Fort Collins. On top of nonprofit sponsorships, Martin Marietta contributes products for a variety of jobs put on by university engineering students, Eagle Scouts and local Kids and Girls Club. Watch Video
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Robert Hirsch and Tyler Tysdal Share How to Your Company In Colorado Tyler T. Tysdal News https://medium.com/@tylerttysdal/tyler-tysdal-and-robert-hirsch-discuss-selling-your-business-by-yourself-or-using-a-broker-cbab55f6994e Contact: Freedom Factory 5500 Greenwood Plaza Blvd., Ste 230 Greenwood Village, CO 80111 Phone: 844-MAX-VALUE (844-629-8258) https://www.freedomfactory.com/ Contact Tyler Tysdal https://www.facebook.com/tylertysdals/ Freedom Factory Headlines https://digiherald.com/tyler-tysdal-a-denver-business-broker-lays-emphasis-on-the-qualities-of-a-successful-business-broker/ . " We're proud to be the biggest employment center in the Charles Schwab network with a state-of-the-art school in Lone Tree, house to approximately 4,000 workers. Schwab is a terrific place to work. Therefore is Colorado." Established in 1989, Accenture uses a variety of expert consulting services across more than 40 industries, establishing and carrying out services to clients' toughest digital and service challenges. By 2020, Accenture anticipates the completion of 10 new development hubs work areas for team members and clients and the creation of roughly 15,000 more job chances. In the name of cultivating an inclusive, equal- opportunity work culture, Accenture intends to turn into one of the world's leading offices in variety. By 2025, the company intends to have a one-to-one ratio of men and ladies in its workforce. Not only doubling the typical maternity leave to 16 weeks, Accenture likewise offers breast milk shipping for traveling mothers, wellness rooms within the workplace and backup childcare. Just under 5 years of ages, Keysight Technologies is an innovation leader specializing in electronic measurement. Keysight offers responses to obstacles in sectors such as aerospace and defense; automobile and energy; digital communication; government; and service suppliers. Fantastic Place to Work-certified and a finalist on the Fortune 100 Best Workplaces for Diversity list, Keysight is happy to think about inclusivity an essential part of its core values. If reality, females comprise 25 percent of the Keysight labor force and 14 percent of Keysight executives. Keysight Technologies an industry leader in electronic design, screening, manufacturing and optimization likewise practices and promotes responsible use of natural deposits in an ecologically sustainable way. Founded on the principles of team effort and management, Encore fosters a thriving internal neighborhood. Encore provides staff with opportunities to cultivate meaningful careers through apprenticeships, electrical education, safety/OSHA training, management, management development and more. "Encore Electric is dedicated to offering all things power, technology and energy to our partners and consumers," said Willis Wiedel, president of Encore Electric. Founded in Boston in 1946, Fidelity has actually because made its way throughout the country and planted five investor centers in Colorado. A leading name in personal and service financial investments, Fidelity assists consumers with wealth management, monetary planning and investment guidance. "Fidelity Investments' mission for more than 72 years hasn't changed: To reinforce and protect our clients' monetary well-being," said Stacy Roode, general supervisor and Colorado area leader. Fidelity's very first Colorado investor center started a business in 1986 and has given that served countless customers. "Fidelity is here for the long term, and our partners are devoted to offering back to the community. Last year, Colorado staff members contributed nearly 1,200 hours offering at nonprofits and schools," Roode said. Established in 1989 and now promoting 35 campus and center places, as well as 780 employees, the Mental Health Center of Denver is a leading entity in human and social services. Through Grownup Recovery Solutions, Kid & Household Services, and Rehab Solutions, the Mental University Hospital of Denver offers mental disorder and substance-use recovery programs, understanding that this must include budget friendly housing, access to primary care, quality education and employment preparedness assistance programs, trusted transport support and similar services. " I am happy that the Mental Health Center of Denver has been recognized again as a Denver Post Top Work environment and honored that our staff members rank us as a great location to work," said president and CEO Carl Clark, M.D. In 1963, FirstBank was founded as an employee-owned, community-based business, and it has stayed that way since. " We take pride in not only producing considerable job chances, however supplying a healthy and nurturing workplace so workers can enjoy long and satisfying professions," said FirstBank chief operating officer Emily Robinson. "We recognize delighted and engaged staff members are important to FirstBank's success, and we are devoted to keeping worker satisfaction a leading concern." Dedicated to neighborhood sustainability at its core, FirstBank grants employees paid volunteer time. " At FirstBank, our company believe if you do what's finest for your clients, neighborhoods and staff members, advantages will happen. This is what we describe as 'Banking for good.'" Robinson said. Launched in 2012, Ibotta is currently Denver's most significant consumer tech start-up. Introducing a New Age technique to couponing, Ibotta has changed the way customers save cash in the type of a free mobile app that has actually so far gathered nearly 30 million downloads. " Ibotta's objective is easy: Make every purchase fulfilling," said Ibotta CEO Bryan Leach. "We have paid American consumers over half a billion dollars in cash-back benefits on their everyday purchases. "Our work environment is guided by our values of Stability, Boldness, Outhustle, Teamwork, Transparency and A Good Concept Can Originate From Anywhere (IBOTTA). Tyler Tysdal." A collaborative, fluid company culture is cultivated through month-to-month delighted hours, a yearly bonus offer supper, flexible time off and the like. Jefferson Center for Mental Health started as a part-time group of 4 in the basement of a county courthouse more than 60 years ago. Ever since, the not-for-profit has thrived while still remaining a community-focused treatment center for substance use and psychological healthcare, taking ingenious steps towards a transformation in the nation's mental health care systems. In 2015, it fulfilled the needs of more than 32,000 clients through therapy, education and avoidance programs - carter. "At Jefferson Center, our neighborhood is at the core of whatever we do. We are driven by our dedication to take care of those whom we serve, work and partner with each and every day," said president and CEO Kiara Kuenzler, Psy. Jefferson Center offers employees generous benefits that discuss retirement cost savings, health and health efforts, and a healthy work/life balance. The center likewise supplies competitive internship chances for trainees checking out social work, psychology and therapy. Helping Denver's low-income population, Clinica Campesina Family Health Services serves as a "medical security net" for all of the Denver community. Although Clinica has more than 600 staff members, five medical clinics and three oral workplaces, its cost per client is less than the state and nationwide averages. "For 42 years, the personnel of Clinica Household Health have supplied exceptional, budget-friendly healthcare to struggling members of our neighborhood so they do not need to pick in between buying groceries and seeing a doctor," said Patsy Byers, vice president of personnels for Clinica. Alliance Data provides notable business names around the globe with branded credit-card programs and loyalty-driven marketing projects that intend to promote and enhance honest relationships in between clients and consumers. At Alliance Data, the crucial to developing successful relationships for its clients is to first construct effective relationships within its own company. " We are happy to foster an environment where partners feel valued, accepted, valued and fulfilledboth personally and professionally." Alliance Data Care Centers have actually landed amongst the top 5 percent of call centers in the industry nationwide. Regardless of the tremendous 900-plus individuals employed by the Colorado branch alone, Alliance Data strives to keep a familial work environment culture. With roughly 3,100 staff members nationwide, almost 1,000 of them are at Colorado's 5 places. The long time industry giant has actually pioneered innovative techniques to electrical building. Some location historians even credit starting daddy David Dwight Sturgeon with the tradition of stringing Christmas lights outside our houses. A subsidiary of the megacorporation MYR Group, Sturgeon Electric successfully balances the familial vibes of a regional company with the stability and advantages that come with a large institution. " We truly care for our people and are devoted to their self-improvement." At Martin Marietta, a prominent supplier of building products, there's a stating: "It's not simply what we make. It's what we make possible." Martin Marietta doesn't just develop buildings, it lays the foundationliterally and figurativelyfor growing communities to flourish - facebook. The company now covers throughout 26 states, plus Canada and the Bahamas. Colorado facilities dot the Front Range, from Pueblo to Fort Collins. On top of nonprofit sponsorships, Martin Marietta contributes materials for a range of jobs place on by university engineering students, Eagle Scouts and local Kids and Women Club. Watch Video
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Federal Updates Including CERB and CEWS
The Federal Government has now announced the continuation of the closing of the border with the United States for non-essential travel through to July 21. This is reciprocal, and could potentially be extended even further. This will obviously have a dramatic impact on Canada’s short summer tourism season.
The Prime Minister has also stated that CERB payments of $2,000 every four weeks for qualified applicants will be extended for a further eight weeks beyond its present end date of 16 weeks from March 15 to a total now of 24 weeks.
The basic criteria are persons who have stopped working because of COVID-19 or were eligible for EI regular payments or sickness benefits, which have been used in full. Full details of other qualifiers appear at this link.
Canada has also announced a program for assistance to employers with commercial lease payments in the form of forgivable loans. The tenant must pay 25% of the usual rent for the months of April, May and June. The program allows Ontario and Canada to equally share 50% of the rental payment and that the landlord prepare to accept a discount of 25%. This program was announced June 5 and is retroactive to April 1.
The usual rental payment must cap at $50,000 a month and the tenant must show a COVID related loss in income of 70%. The application must be submitted by August 31.
Canada has also extended the Canada Emergency Wage Subsidy, which was originally intended to run from March 15 to June 6. It has now been extended to August 29 and further, will apply not only to returning and present employees, but also newly hired workers. There are other revisions the basic gist of which are to make the subsidy more widely applicable. The grant remains set at 75% of the weekly wage to a cap of $847 per week.
Federal & Provincial Sick Leave
Ontario law does not mandate paid sick days. This was so at one time but reversed by the Ford Government. Some companies provide paid sick leave as an employment benefit but there is no provincial requirement to do so. Federal employees are allowed three paid sick days per year. Three months of consecutive employment is required in order to qualify.
At the present time, Canada has allowed EI to be paid without the one week waiting period for persons who are ill due to the coronavirus. There is no need for a medical note. The maximum EI now is $573 per week, which is based on 60% of the insured income of $54,200 cap.
The Federal Government is now in discussions with the provinces to mandate a paid 10-day sick leave at full salary across the country. Manitoba, B.C. and the Yukon have committed to this proposal.
The intent of the plan is to allow employees greater freedom not to report to work when they are showing symptoms of illness, as currently those who cannot afford to take an unpaid day may be reluctant to do so. No doubt there may be some abuse but the greater good is the evident goal.
It is not clear if this program will be funded by the government, and at which level, or be mandated to be an employer-provided benefit. Stay tuned to this page for further developments.
Ontario Broadens Phase 2 Openings
As certain parts of Ontario now enter Phase 2, some of which took effect on June 12 and others commencing on Friday, June 19, the province has published a series of guidance notes for specific industries. Although these are benignly referenced by this title, they have the impact of imposing legal obligations on employers and create personal liability for the relevant manager.
Workers who believe that the workplace is unsafe have been provided with a call centre number (1-877-202-0008) which will likely recite the procedure under the Workplace Safety & Insurance Act, as discussed previously.
The areas of the province which remain excluded from Phase 2 include Toronto, Peel and Windsor-Essex. This is based on the data of new active cases and strain on medical facilities. This will likely change soon.
Keep in mind that school closings presently extend to June 30. This is important as the need to attend to child care allows now for employment protection. Once this is eliminated, presumably to be co-ordinated with child care centres being opened, the law will likely remove this as a job protection.
Phase 2 businesses allowed to open include outdoor dine-in services at restaurants and bars; barber and beauty shops; shopping malls under certain restrictions; tour and guide services; swimming pools; beach access and campgrounds; training facilities for outdoor team sports; drive-in theatres; film and television studios and weddings and funerals to a maximum of 50 people, provided the venue is at less than 30% capacity.
The availability of testing centres is ever-expanding. For employers and employees with such concerns, this link will show the closest free assessment centre. Many employers may consider the requirement of regular testing as a condition of a return to employment. Presently the technology does not allow for immediate results, which are particularly important for asymptomatic workers.
Get Advice and Know Your Rights
Never before has the need for timely and accurate legal information been more important. Both levels of government are responding to this crisis with new laws and programs constantly.
We remain by your side to provide real-time practical insight into the law and your position, for both employers and employees. For advice on this issue and all employment law matters, contact the offices of Toronto employment lawyers Grosman Gale Fletcher Hopkins LLP. We regularly advise workplace parties on a wide range of legal workplace issues. Contact us online or by phone at 416 364 9599 to schedule a consultation.
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TORONTO — The novel coronavirus pandemic is hitting long-term care homes in Canada disproportionately harder than in other countries that make such data readily available, according to new research.
A report released Sunday by the International Long-Term Care Policy Network (ILTCPN) found that those who live in long-term care homes comprise 62 per cent of Canada’s COVID-19-related deaths – the highest share in any of the 13 countries it studied. The report does not include the U.S., the U.K. or Italy, where researchers said deaths are not broken down in this way in public data, but does include the hard-hit nations of Germany and France.
Other indicators, however, suggest the ILTCPN report may only be capturing part of the crisis playing out at Canadian senior care facilities. The Public Health Agency of Canada said Tuesday that COVID-19 outbreaks at long-term care homes are responsible for 82 per cent of coronavirus-related deaths in Canada.
“We’re seeing that the real epicentre of this epidemic has been long-term care homes across the country,” Dr. Samir Sinha, director of geriatrics at Mount Sinai Hospital in Toronto, told CTV’s Your Morning on Wednesday.
WHY ARE THEY MORE VULNERABLE?
Long-term care homes are particularly susceptible to viral diseases for plenty of obvious reasons, including that their elderly residents are more likely to be immunocompromised and extra-vulnerable to viruses.
Federal statistics back that up, showing that those 60 years of age or older make up 36 per cent of Canada’s total COVID-19 caseload, but 67 per cent of all hospitalizations and 95 per cent of all deaths.
Beyond that, though, keeping a large number of people in a confined space creates conditions that make it easier for a virus to thrive.
But that’s true all over the world, so what explains the Canadian numbers?
One explanation actually reflects well on Canada’s overall handling of the pandemic. Having the highest rate of COVID-19 cases in long-term care homes means we have the lowest rate of cases outside those facilities – though that makes the relatively high rates in long-term care homes stand out even more.
“Even the little community transmission we’ve had has been able to get in and spread around and spread between homes,” Sinha said.
“That’s where the tragedy really lies for Canada.”
Sinha’s explanation for how COVID-19 could be so destructive in long-term care homes while the rest of the country has avoided such a severe hit echoes that of many others who have closely studied the issue. He said Canada’s senior-care sector has long struggled with underfunding and neglect, leading to consequences that include workers being employed at multiple homes and frequently moving between them, making it easier to spread a virus from one facility to another.
Additionally, he said, those employed by long-term care homes are often paid significantly less than they would be to perform the same functions at hospitals, and may not receive benefits or paid sick days – meaning they may be less likely to stay away from work even when they feel sick.
‘A GAME OF CATCH-UP’
Neglect of long-term care homes is a concern across the country, but the impact COVID-19 is having at seniors’ residences varies considerably in different parts of Canada.
According to the National Institute of Ageing at Ryerson University in Toronto, more than 80 per cent of COVID-19 deaths in Ontario can be linked to long-term care homes. Quebec has a similar figure, and 35 of the 41 deaths in Nova Scotia are connected to one long-term care home in Halifax. Death tolls in long-term care homes in all three provinces are rising, even as the curve seems to be flattening outside the homes.
Ontario and Quebec have even called in the military to help bolster the ranks of front-line workers in their hardest-hit long-term care homes.
On the other side of the country, though, long-term care homes seem to have been somewhat spared. In B.C., there had been 74 deaths linked to such facilities as of Tuesday – still a high proportion of the total deaths, but nowhere near as many per capita as in the Eastern provinces.
B.C. was the site of the first declared COVID-19 outbreak at a long-term care home in Canada, on March 5, and the first death linked to a long-term care home, on March 8. After that, Sinha said, the province moved fast to protect those living and working in long-term care homes long before COVID-19 took hold elsewhere in the country.
“They actually were the most decisive and quick to act,” he said, noting that requirements for caregivers to wear surgical masks and prohibitions on working at multiple homes went into effect in B.C. in March.
Ontario and Quebec were slower to take similar actions, Sinha said, and Nova Scotia was slower still.
“Those provinces are all playing a game of catch-up,” he said.
“This is a tricky virus that we need to take seriously. We can’t take half-measures when we’re trying to fight COVID-19.”
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What Are The Challenges Facing Coffee Farm Workers?
Coffee farm workers are the backbone of coffee production and the coffee industry at large. Without the presence of these highly skilled workers, producers would not be able to harvest their crops, and the rest of the supply chain wouldn’t be able to access the green coffee beans the world relies on for its coffee supply.
Both full-time farm workers and seasonal coffee pickers or cutters (referred to as corteros or cortadores in Spanish-speaking Latin America) face several specific challenges that can keep them from doing their work – or are resulting in them leaving the job entirely for better employment options.
Here are some of the challenges being faced by coffee farm workers in Central and South American countries and where a possible solution to the problem could be found.
You may also like Instability & Uncertainty: The Labor Market For Coffee Pickers
A section of coffee plants on a producer’s farm. Credit: Alejandra M. Hernández
Getting to Know Coffee Farm Workers
Several decades ago, Brazil relied on slave and immigrant labour to pick coffee, while in other countries, workers had their lands expropriated by wealthier farmers, forcing them to work on the land they used to own in exchange for wages. In countries like Costa Rica which are characterised by small family farms, farmers often agreed to help each other out by harvesting each other’s fields during harvests.
Currently, farmworkers are less exploited but still face significant challenges. They’re often migrants who work in their own countries or travel to surrounding ones to harvest coffee or any other crops requiring picking – and are paid volume or weight. Their role is the most labour intensive and time-consuming in the coffee supply chain and isn’t easily replaceable.
Knowing when to pick a ripe cherry comes from years of experience, and as coffee rarely ripens uniformly, hand-harvesting is the only way to ensure only ripe fruit is picked. This usually occurs over a short time period and must be done without delay to prevent coffee spoilage. Many farms are on rough terrain or at heights that make mechanisation impossible, and climates are becoming increasingly unpredictable. This means a single coffee farm might have several different harvest areas, resulting in more complex picking being required.
For specialty coffee producers, farm workers play an essential role in ensuring only the best coffee is harvested, which can dramatically impact how much they receive for a certain lot. Luis Toruño Montes operates La Finca Coffee, an importer and exporter of Nicaraguan specialty coffee, based in Canada. He says, “They’re] fundamental in the industry. A picker with experience and who is well trained is the first quality control in the chain.”
The labour required to pick ripe cherries (as well as weed and prune trees) can account for up to 60 percent of a farm’s production costs. This is a challenge for producers to deal with and can negatively impact their profits. Despite this, little exploration has been undertaken on how high costs and other factors impact those responsible for the labour itself.
A coffee picker examines harvested coffee cherries. Credit: Julio Guevara
Specific Challenges Facing Coffee Farm Workers
While many coffee farms have made strides to improve how farmworkers are paid, many corteros still encounter other several issues when working on certain farms, whether they do so seasonally or full time. Here are a few of the challenges they face.
A Lack of Contracts
Contracts are critical for farmworkers. In 2016, independent investigative researchers Danwatch released a report concerning the conditions faced by coffee workers in Brazil. While the report’s findings have been questioned by many in the coffee industry, it has illuminated the fact that contracts are a pressing issue facing farmworkers. The report alleges that almost half of all coffee harvesters in the largest coffee producing country on earth work without contracts.
In Brazil, the law dictates that all farmworkers must be registered in order to access social benefits that will protect them when they fall ill, lose their jobs, or retire. However, many workers are offered higher wages to forgo this registration, as it requires employers to set aside funds for insurance. This problem takes place in other producing countries too, with a lack of formality in employment cited as one of the reasons why Colombian producers have struggled to find workers to harvest coffee in the past.
Low Wages
While farmworkers might account for the majority of costs incurred by farmers during production, this does not mean that they’re paid in line with their efforts. Producers are often living close to poverty themselves, which makes paying workers a fair wage challenging. In Honduras, coffee pickers often get paid several dollars below the minimum wage set by the Honduran Labour Ministry. Workers in countries like Guatemala face similarly low figures.
It’s an issue that many producers acknowledge – but one they can’t solve alone. Santiago Patiño C is a producer on Finca El Ocaso, a coffee farm in Colombia – in addition to being 2018’s Colombian Roaster Champion. He believes that to raise the price paid to pickers per kilogram, subsidies must be provided by the National Federation of Coffee Growers of Colombia to pay pickers. If this doesn’t happen, he says, “In about ten years, Colombia won’t have any pickers on the field”.
A farmworker picks ripe coffee cherries off the branch. Credit: Café Santa Matilde
Hard & Sometimes Dangerous Work
As previously mentioned, the majority of coffee pickers are paid according to the volume of coffee cherries they can harvest each day. This means that for many, working hours only stop when a certain volume of cherries have been picked – which could take several hours. This can negatively impact producers as the desperation to harvest a suitable amount can lead some workers to pick unripe or unsuitable beans, lowering the overall quality of a lot.
In addition to the long hours required from it, coffee picking also isn’t an easy job. Spending hours in the sun can lead to exhaustion and increase workers’ risk of developing skin cancer, and the repetitive movements required to pluck cherries from branches can lead to muscle sprain and strain. In addition to this, a lack of protective equipment or cutting tools can also lead to cuts and abrasions. These collective conditions (as well as other challenges they face) can lead to significant amounts of stress amongst workers.
Seasonal Work & Constant Migration
Coffee isn’t a perennial crop in many countries, which means that work is only available during harvest seasons, which usually only last for a few months at a time and can differ due to changes in rainfall, altitude, and temperature. This can lead to producers and workers experiencing thin months, where income is scarce. For this reason, many farmworkers are constantly travelling from farm to farm, following coffee harvests as they occur.
Poor Work & Housing Conditions
Seasonal workers are usually provided with housing as they travel from farm to farm, to ensure they’re close to the working site. However, these housing conditions are often overcrowded, with several families forced to share a single space, and little protection provided against extreme weather conditions. Many lack access to clean drinking water and live without adequate sewage and waste removal. These conditions can encourage the spread of water and airborne diseases too.
Some workers will face dangerous working conditions in addition to this. One example is the use of pesticides like glyphosate and terbufos on coffee plants, which helps to protect coffee plants from pests and insects – but is also illegal due to being harmful to humans. Many workers are tasked with applying these chemicals without personal protective equipment or use inadequate substitutes such as plastic bags or handkerchiefs. This can lead to pesticide poisoning and in some cases birth defects and increased cancer risk.
An overview of terraces on a Fazenda Pedra Preta, Minas Gerais, Brazil. Credit: Perfect Daily Grind
Cesar Samaniego Minaya works on Finca San Francisco, a coffee farm in Peru. He says, “The best coffee depends on the selective harvest of cherries in its optimal moment of ripeness. To achieve that, pickers have to be skilful, trained and… aware of the impact of their job on the coffee’s quality… this depends on the farm [and how it] engages them and recognises the value they provide… And this is achieved with farms that offer good working conditions and meals, a good working environment, easy payment terms, and flexibility so our pickers are happy when they carry out their task.”
For this to take place, producers will need to receive a higher income. And for producers to earn a higher outcome, people will need to be willing to pay more for coffee. This will require a collective effort from roasters and buyers, but a future of productive coffee farms and workers will be more than worth it.
Enjoyed this? Then Read Coffee Cherries Go Unpicked: What’s The Solution?
Written by Janice Kanniah. Featured photo caption: A coffee picker with Parainema coffee cherries in their hand. Featured photo credit: Gisselle Guerra.
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Disability Insurance Guide
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Here is a guide I put together for my clients to help in understanding and purchasing disability insurance. If you would like an individual quote for disability insurance using your information, please fill out and submit the short form here.
Disability Insurance is referred to as a Living Benefit policy because it is something that is paid to the owner, instead of to a beneficiary. It is there to help both you and your family in case of disability. This insurance may be the most important insurance there is. There are two reasons why it is so important.
Guide to understanding and purchasing disability insurance policies.
1. Your Health is your Wealth. The most valuable asset most of us own is our ability to earn an income. Just about every asset we have or will acquire comes from paying for it out of our income. This includes homes, cars, rental properties, investment properties, savings, businesses, vacation properties and more. So does it make more sense to insure the source of all the assets, or the assets themselves? Your ability to earn an income is the goose that lays the golden eggs. Better protect the goose.
2. You are very likely to have a disability. According to the Social Security Administration, a 20-year-old in 2011 had a 30 percent chance of being disabled for at least six months before retirement. Other sites quote somewhat different but similar statistics. That is a scary thought. How long could you go without a paycheck? What if the disability is for years or is permanent? In comparison the odds of a home burning down for which we buy fire insurance is about .08 percent, or less than 1 in one thousand. Disability insurance is a fairly complicated product. That is because it is designed to cover a wide group of people that have different levels of risk in their jobs, and different needs as to what is important to them.
Disability Insurance is Issued using a Grid
Disability insurance companies realize that some workers are much more likely to get injured or sick than others. So it costs them much more to insure some workers than others. An example of an expensive to insure person would be an oil worker actively working on a rig. A less expensive person to insure would be an office worker who is not exposed to hazards like dangerous chemicals, physically working with large machinery and working at great heights. So what? Well, where you fall on the grid is important because it determines not only how expensive your coverage will be, but what benefits are available. There is a huge difference as will be explained below. Also there can be some wiggle room to bump up one place on the grid if you know what the underwriting is looking for, and present your case in the best light.
Important Aspects of a Disability Policy
These are the components of a disability policy bought from an insurance company.
Monthly Amount of Coverage
This is the maximum amount of dollars that a disability policy will pay when you have a qualifying disability. You can’t buy any amount of disability insurance you want as the insurance companies do not want people to be over insured. The maximum amount you can buy is generally about 60% of your current income. However one thing to keep in mind is that when one receives a disability benefit, it is paid tax free. You do not have to pay income tax on disability payments.
Type of Premium
Premiums can be adjustable or guaranteed not to change or increase. Adjustable premiums can change based on interest rates or the amount of claims received. Obviously it is much more valuable to have guaranteed premiums, please check what type of premiums your policy will have.
Definition of Disability
The first and least desirable definition is generally referred to as “any occupation.” This definition states that you are considered disabled if because of a disability, there is no occupation you can do, taking into account your education and experience. So if you are disabled in your occupation, but the insurance company believes you would still be suitable to do another occupation, they do not have to pay you. It would not matter if that other occupation is not actually looking for employees, or not available in your area. This is the type of insurance many people have if they have group insurance at work.
The next definition is referred to as “regular occupation.” This is a much better definition of disability that states that if you cannot due your regular occupation because of a disability, it is your choice whether or not you choose to work in a different occupation you might be able to do. This puts much more control into the hands of the disabled person.
The third definition is better yet, but available only to experienced specialists in their field. It is “own occupation” and states that if you are disabled from your occupation, you can choose to work in any other occupation, and still receive your benefits.
Maximum Payout Period
You can purchase disability policies that pay benefits for 2, 3, 5 or 10 years, to your age 65, and sometimes even lifetime benefits. The advantage of policies that pay for shorter benefit periods is that they are cheaper. However if you have a permanent disability, the policies with shorter payouts are not going to do one much good when the benefits expire, but there is still a loss of income. Age 65 coverage is the best. Lifetime coverage is also good, but not generally available anymore, and very expensive.
Elimination Period
The elimination period is how many days one has to be disabled before the benefits start. Common periods are 30, 60, 90 and 120 days. Longer elimination periods like one or two years are also available for special circumstances. Think of the elimination period like the deductible on your house insurance policy, the larger the deductible, the cheaper the insurance. Many of my clients choose 90 days as the best option for covering the loss of disability at the most affordable premium. If you choose a 90 day wait that does not mean you receive a disability check on day 91. On day 91 you may be owed one day of disability benefits, but the cheques are sent monthly. Realistically you would be getting the first check sometime after day 120. So choose an elimination period you can live with.
Partial and Residual Benefits
Most Disabilities are partial or residual disabilities, as opposed to total disability but you are still at work, or you can do all of your duties, but not on a full time basis because of the disability. Partial disability and residual benefits cover these situations. These options may be built into the policy, or available as an additional paid benefit. Partial disability riders are the simpler of these two options. If you can show that you cannot do one or more of your regular duties, or work more than half time, you will get ½ of the monthly benefit you purchased for up to 6 months, 12 months or 24 months depending on the rider. Residual benefits are a better solution that pay what percent of income you have lost based on your disability. This benefit usually pays for the same length as the benefit period. So a policy to age 65 would be able to pay residual benefits to age 65. As an example, let’s assume one has a monthly benefit of $5,000 and a disability that causes one to lose 60% of one’s income.
Integration with other Disability Benefits One May Have
Many, but not all disability policies have integration with other types of insurance. Benefits can be reduced by insurance your receive from other sources such as workers compensation, driving insurance and group insurance. The reason for the integration is to avoid over insurance. I prefer policies that have little or no integration.
Other Important Optional Benefits
Cost of Living
This is an option that my clients have included on just about every disability policy I have put in force. It indexes you benefit to account for inflation. If you had a permanent disability and a $5,000 per month benefit, you would receive that same payment each year regardless of inflation. With the cost of living benefit the payment will increase each year based on a formula tied to the inflation index. This means you will not be living on a fixed income.
Future Income Options
This is another very important option. It protects your future insurability by giving you the right to buy more protection in the future regardless of your future insurability. The only thing you have to show is that you have enough income to justify the increase. As an example, when I was selling disability policies over 25 years ago, some policies where as small as $1,000 per month of benefit. Today very few people would think that is a reasonable amount of coverage, but if you lost your insurability and did not have future income options, you would be stuck at that coverage amount for the rest of your working life.
There are still more definitions and options to consider such as the definition of income, presumptive disability, resumption of disability, survivor benefits, reduced elimination period if hospital confined and others. I have covered that areas that I feel are most crucial to most situations. I certainly recommend that you buy your disability insurance broker who can walk you through the many types of coverage and options available to get the right policy for your situation.
For a free no-obligation disability insurance quotation please fill out and submit the contact information here.
The post Disability Insurance Guide appeared first on RHMInsurance | Best Life Insurance Canada Reviews.
Disability Insurance Guide
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RELATED QUESTIONS:
How much info does a car insurance company really need to file a successful claim against me?
I bumped into this lady because she actually did a full stop on a green light while getting out of a shopping center. She said it was o.k and that nothing happened and was apologetic saying that a car ran in front of her and that is why she did a dead stop in middle of intersection on a green light. She got my license number but did not call police, did not take pictures and did not get my insurance policy number. Just my name, insurance company I'm with and also drivers license number. She said it was o.k and my info just in case. Thing is when I got back from vacation I got a letter from my insurance saying she put in a claim against when nothing even happened to both of our cars. My question is what can I do? I don't want to pay deductible when it was HER fault. Nothing even really happened. She's pulling insurance fraud......and it really makes me mad that she put in a claim. I did not give her my insurance policy number guess she must of called around the biggest names and got my info somehow. It was her fault but since she did a dead stop in intersection on a green light..... i bumped into her.........but since i bumped into her is this automatically my fault? Or can I get her for pulling a dead stop on a green light? What to do? Deny the whole thing?""
Why does insurance cost less for pleasure use rather than commuting to and from work?
Why does insurance cost less for pleasure use rather than commuting to and from work?
What is a good cheap Car Insurance Company?
I am 22 years old, single mother of two children ( 2 & 4 ), looking for cheap insurance quotes, I live in NC I'm not sure if that matters. I checked Allstate and that's the cheapest quote I've found, but I had them before and owe them money, so EX them out. Any other people, I checked with Progressive, State Farm, AND Gecco (sp). Who are you with what are your companies??""
Paying car insurance 2 days late?
What happens if you pay your car insurance 2 days late? I have it automatically debited out of my account on the 15th of every month, and I get paid every 2 weeks. This month I get paid on the 17th...two days short of my due date. So what do I do? I have paid my insurance late before (3 days) and they didnt even mention it to me, they just took it out when I had the funds available. and I have Liberty Mutual car insurance by the way...""
Car insurance for 18 yr old male RIDICULOUS?
I'm 18 and male, so turns out car insurance companies think its okay to rape my wallet. I've been looking at a few quotes on different sites and they come up in the $300-$400 range. I tweak a few things, telling the generator that I'm a 30 year old married woman and then it magically drops to $70 per month. This is crazy, I'm an extremely careful driver, I never drive over the speed limit and I constantly check my mirrors. How the hell do young males afford it?""
Cost of insurance on a mercedes Benz each month?
i have to do a gay project
Does anyone knows of a good Health Insurance in Florida?
HMO, PPO or whatever... I need to know asap. The work insurance is horrible!""
How much is an average motorcycle?
I'm thinking of getting my motorcycle license soon, how much would a new Honda cost? I'm talking about the cost of the bike, not insurance etc.""
How much (about) would insurance cost for a Lamborghini Gallardo (at 16 yrs old)?
How much (about) would insurance cost for a Lamborghini Gallardo (at 16 yrs old)?
How much cheaper is a hospital visit wit health insurance?
i'm trying to decide if i should get health insurance, my job does not offer this, is it worth getting insurance?""
What is the best health insurance in CA right now?
I need help. I don't have health insurance right now and I want to find an affordable one. I live in San Francisco, and I work part-time. I look at Athem insurance and it was around 60 bucks a month. I can't really afford that right now. Is there any other health insurance that is affordable and good?""
How much will the incurance go up after i start driving?
im 17 and i want to get my license. but my parents are making me pay for the difference in insurance cost. so i was wondering how much it will go up. we have usaa btw
Best california car insurance?
Best california car insurance?
Do I need Liability insurance?
I live in So california, and just brought lots In Texas,Arkansas and Utah.The lots are vacant land. Im being told that laibility insurance might be wise. is there someone out there who knows for sure.""
Will a ticket for careless driving increase your auto insurance?
I was pulled over for speeding but fined for careless driving. My parents car is insured but I'm not on the policy. Will the insurance premium be affected? How long does it take for there insurance agency to find out about the points? (We have Allstate if that helps)
I dont have car Insurance?
I am buying a new car, I dont have Car insurance this is my first car! Can I have someone else drive it home for me. that has Insurance""
What is insurance like in the united states?
is insurance better in canada or the united states and how much does school and college cost in united states and health coverage or how can you pay for health coverage i want to know this because i want to move to the states is there any site that would tell me about all this if there is can you give me the link thanks if i defend anyone sorry
What's the difference between secondary and primary insurance?
I am doing some research for credit cards that offer auto insurance; however; I am finding some details to rather confusing, specifically: What's the difference between primary insurance (Diner's Club) and secondary insurance (most free credit cards)?""
How much will insurance pay for month old tires and brakes?
I was in an accident after which the insurance deemed my car to be totaled. I had replaced all four tires and rear brakes on the car less than a month back. The claim adjustor says that they will include 50% value of the tires and brakes in the claim payment. Is this normal practice? I do not expect to be reimbursed the exact dollar amount for the parts but 50% seemed like a random value. I was expecting that they will pro-rate it using some formula.
Can I drive the car on my own insurance?
I have car insurance and I am allowed to drive any car with the owners permission,does the car I am borrowing have to have its own insurance for me to be able to drive it lawfully""
Someone hit my bumper. Car insurance question?
I was in traffic today and someone hit my car from behind , damaged my bumper. I have statefarm and fully covered. I have never been in this situation , and plus i think it's getting a little bit complicated. Because the guy who was driving the car doesn't own the car. And the guy who owns the car's name doesn't seem to be the one who's insured with the car(it seems to be his wife or someone ) Usually does this matter?? What are the procedures I should take to get this done asap . I want honda to fix the damage. Will the other person pay for this damage. What should I watch out for ? any kind of traps? I have a small backpain. is that covered under insurance also ? I think they have allstate. please help !!""
Will my insurance go up for my speeding ticket?
I just recently got a speeding ticket or doing 46 in a 30. (which wasn't possible) I'm only 16 and it is my first ticket. My parents will kill me when they find out. We have stated arm insurance and only liability on the car but will the insurance go up and/or cause my parents to fin out?
How to upgrade my current auto insurance?
I'm currently looking for a financed car, but I don't want to make a purchase without first understanding how much my insurance will cost to upgrade to full coverage. I contacted my current auto insurance (GMAC Insurance/National General Insurance). I was told that in order to be quoted for a new car, they would have to delete my car from my policy & put the new car on. I'm not understanding why my car has to be deleted just to get a quote for something I haven't purchased. I'm constantly getting the run around with this. Shouldn't I just be able to be quoted the new car without it affecting my current policy?""
""When being sued by an insurance company, can they put a lien on my property?""
i was involved in a accident in 2008 now me and my mom are being sued. My mom is the registered car owner (shes super mad at me) anyways they will post a judgement againt the both of us. We are both W2 workers and she has a house. Can anyone give me the worst case scenario, what can we do??""
Does AAA charge more for tow insurance if you have old heaps for cars?
For years I have frowned upon this service. But now considering it since our cars are getting old. 100K+ miles each. About how much does this cost a year? And do you have to pay a deductible, or do they cover the entire tow? Still don't know if I should break down and consider a service like this. (I'm anti extra insurance on anything) I think Geico (my ins co.) has coverage for this also""
Nashville Tennessee Cheap car insurance quotes zip 37246
Nashville Tennessee Cheap car insurance quotes zip 37246
""I totaled my car, do i need gap insurance for them to pay off the vehicle?
i have totaled my car and i have full coverage. will my insurance company pay off my vehicle?
Will I be able to get health insurance to cover this?
I am about to graduate from college and have not been covered by insurance regularly in many years, for a short time I was on a California county-supported low-income type of insurance program but it automatically runs out every few months if you don't reapply evidently... Anyways, I'm about to graduate and move back to Oregon. I have some kind of hip/tendon injury that I need to go to the doctor for and have checked out...but because I don't have insurance, and this is an old injury already, is there any way I'm going to find health insurance to help me pay for this? Or am I just completely screwed and destined to limp around for the rest of my life??? because there's no forseeable way that I'll be able to afford my own health care any time soon, I'll be paying off my student loans for the next few years. I also doubt that I will be able to find a job that offers health coverage in my field so that's not looking very likely either.""
What would the annual insurance cost range look like for a Benz C63 AMG?
Would the cost be greater just because of the model? Say I upgraded a C300 so it reached the base price of a C63 - would this increase the cost of insurance? Or is it based solely on the model? So if I upgraded the C63 so the value bumped up 20k, would my insurance become more expensive? I am new to all this, and want to get an idea of these things for the future. Thanks.""
Reg. vehicle insurance?
5 years back i took an insurance for my bike for Rs.35000/- Now the value is depreciated to 20000/-. So i stopped paying the insurance and my policy got lapsed. My question is suppose if any traffic constable asks me for the insurance what should i say? How to get rid of this situation without paying the fine.
Car hit me but i have no insurance. What will happen?
I was hit by a car, and it was the other drivers fault, but i didnt have insurance when this happend. Can the others drivers insurance still pay me for the damage on my vehicle? Or what will happen?""
Would it cost alot to add a second weekend car onto my Insurance?
I am thinking of getting a older blazer from the later 70's to take out on the weekends to go rompin' and 4x4ing, would it cost alot to add it onto my insurance? Would there be a discount since it is not my daily driver car?""
How much life insurance?
Married, no kids, will buy a house next year, anuual income = about 80K Options: 1x annual salary - free 2 x - $9.44/month 3 x - $18.88/moth 4 x $8.32/month 5 x $37.76/month Also, should I bother w/spouse insurance (about $5/month?)""
Since the Democrats are forcing Americans to buy health insurance?
Should the next Republican administration and majority force Americans to buy and maintain firearms?
Insurance on 04 STi.?
I am 17 year olds. I have Driver's ed, safety ed courses, and good grades. How much would insurance cost for me?""
Car Insurance Question?
I am 25 today and was always told that your car insurance rates will go down when you reach this age. Is this true? If so, how much can I expect my insurance to drop? Im a male. Im insured through Allstate. No accidents. 1 speeding ticket in 9 yrs of driving. I drive a 2007 f-150 4x4 v8""
Insurance Status of a car buyer?
I am selling my car. Somebody comes to view and test drive my car. He doesn't have any car before so no insurance of his own. If he test drive my car and have an accident. What would be the insurance status? (I am on admiral by the way) UK People only Please. Thank you.
Do you get rid of your car insurance when you get a DWI?
I don't understand,.. when you get a DWI and license taken away, wouldn't you not need car insurance anymore for a year since you won't be driving your car? All the talk about having insurance go up etc, and $1000 added onto the bill every year, does the receiver of the DWI have to keep their insurance or something?""
18 years old.. Fast car low insurance?
In fact I don't want a fast car lol cause i will not get insured.. Or not insured cheap... Just something that looks sporty and can go quick 0-30.. Away from the lights.. Red...amber.. Green... My budget is 1000 for the car
Will my insurance still go down if I have a really cheap car for my first year then a more expensive one after?
When my sister first got her car she crashed. I don't want to buy a new car and have that happen to me because it will cost a lot to have it repaired so I have decided to get a car for no more than 600 for the first couple of months, hopefully a year if it will last that long. I'd like a fiat 500 after that year and because I want to personalise it I would have to buy it from the showroom and it's 14,000 :-|. The money isn't the problem because I've been saving for ages to get this car but I am worried about the insurance on it. If I get a car for 600 first (it will be my first car), and have no accidents for a year and get a more expensive car (the fiat 500), will my insurance on that car still be high? I will be 18 when I get the cheap car and 19 when I get the fiat and Im a girl, if that helps.""
Are Replica Cars Cheaper To Insure Than Normal Every Day Cars?
Would An AC Cobra Convertible Replica Be Cheaper To Insure Than Say A Renault Megane CC Or Saab 93 Convertible
I got a ticket for 64 in a 55 mph zone. will my insurance go up?
im 19 and have had one bump up about 2 months ago and i just got a ticket for going 64 mph in a 55 zone. will my insurance rates go up?
Cost of health insurance for children in houston?
Hi, can anyone advise what is the average cost of health insurance to buy for children, and what factors might affect the cost. Thanks.""
Health Insurance Company?
What is the best health insurance company in United States?
How much will pmi insurance cost in alabama on a 128400 dollar house with 100% financing?
How much will pmi insurance cost in alabama on a 128400 dollar house with 100% financing?
Car insurance rates go up after accident?
Ok, so this is really stupid in my mind. But I got rear ended the other day, and it was obviously the lady's fault since I was waiting at the stop light and she hit me. Anyways, the damage was minor. There was a hole from her screw/bolt that held her front license plate and part of my rear light got cracked. Anyways, she offered to pay us 350 after we got 2 estimates saying it would cost around 700 to paint by bumper and replace the light. she and I were fine with that since my bumper already had noticeable scratches on the side and her damage wasn't that major. But my dad (I'm 19) wanted her to pay 400 or tell her to report it to her insurance. So I thought this was ridiculous since he would have pocketed the 400 instead of fix it (like I said, it was a small hole in the bumper...).So now, I am worried that my insurance will go up. I am a college student, a guy, and a teenager which I feel like would raise my rates, a lot, but he reassures me that our rates won't go up since the lady's insurance will pay for it and that we arent claiming our insurance. So what happens now in the insurance process? All I know is that she has to call her insurance and they send an adjuster to assess the cost of the damages made to our car. Do we have to report it anytime to our insurance company? If not, is there a chance that our insurance company will find out and raise our rates?""
Car Sales/Insurance Sales?
OK, so just want an opinion. I just got a job to sell cars. Its slow right now, they said avg salesman sells about 8 cars a month. its a 1,000 draw,. $500 per month, and %25 to %30 commission. But I also got accepted to be an insurance agent for Farmers, all I have to do is pass the license test. But this could take up to a month. And Im not sure how the pay works, if its 100% commission, or whatever. I might not be making money for a while when im first starting up. If they offered some type of base pay then I am leaning towards the insurance agent, but then again the economy sucks right now. Any advice..which would you take? I am thinking of just doing the car sales for a while, save $$ and then get into insurance afterwards, but I might lose this opportunity. What do you think...thanks.""
I was wondering how much insurance would be for camaro?
I am a 17 year old male (I know :( ) it would be a z28 I would only want insurance for like 3 months( is that possible) Only liability insurance too or the cheapest one and still be legal.
Can somebody give me an estimate on the price of car insurance in NY?
give me an estimate on average price?
Cheapest car insurance for 20 year old females?
im a new driver, 20, and female. i need car insurance! which would be the cheapest? i already looked at geico and esurance quotes, its $250 a month....""
Will insurance cover a new windshield/ price of windshield?
i have 3 big cracks in my windshield and it's going to bust soon if i don't get it fixed. does car insurance cover that? and if not, how much would it cost? its a 2005 ford focus""
Nashville Tennessee Cheap car insurance quotes zip 37246
Nashville Tennessee Cheap car insurance quotes zip 37246
Has Tort reform had a beneficial impact on Health Insurance rates in California.?
California has had Tort reform in medical malpractice for 30 years. Has this kept Health Insurance affordable in California? Ask the parents ofNataline Sarkisyan how they feel about tort reform. Rather than pay for an expensive transplant and a lifetime of expensive care, her insurer simply denied the claim knowing they most her parents could get in punitive damages was $250,000. Seems to me that tort reform is another name for death panels!!!""
How does car insurance work?
My boyfriend and i were talking after we saw an accident on the highway it was clearly the older mans fault. My boyfriend was saying how it sucked that even though he hit the lady she still had to pay her deductible (usually around $500) to get her car fixed. I was always under the impression that the reason we had insurance was to insure that we didnt get stuck paying for someone elses dumb *** mistake. anyone know how this actually works?
How much would insurance cost for a Porsche Boxster 2013?
I'm 18 my mom offered a Porsche boxster 2013 for my first car. She's putting a down payment and co signing it for me. But I was wondering how much the insurance would cost? Please help? And also if I should stick with this car or not?
About how much will insurance increase if you lightly rear end a car but you just got your license at 16?
Someone i know has Geico insurance and turned sixteen in August. He got his license a few months ago and really lightly rear ended a car today. I mean you cant even tell its hit unless you analyze the back. So about how much do you think the insurance will go up?
2 Door Cars vs 4 Door Cars cost of Insurance?
I am interested in going from my 4 Door Acura TSX to a 350z or G35 Coupe, 2 door cars. I was wondering what the difference in prices would be for me, I am 19, no accidents, no tickets, clean record. As of now my parents have me on their insurance which I am sure makes it much cheaper, so what would the average cost of switching be if I was on my parents insurance or I was to take up my own. Please let me know, Thanks! :)""
How much might insurance be...?
On a car like a 2008 Hyundai elantra for a guy under 25 if it was new?
Can I drive my parent's car without auto insurance?
I am 22 , university student with G2 - 2006 , and G - 2008 license , Richmond Hill , Ontario , Canada can I drive my DAD car , his policy does not have my name . in case my name must be included , what are the suggested insurance companies ( probably need a cheap one ) because they might double his monthly payments""
Renault Clio insurance for a 17 year old girl in Coventry?
I turned 17 last week, and plan on buying a Renault Clio for less than 1000, (about a 2001 reg). I have trauled all over the internet and cannot really find a decent quote anywhere, so I was wondering what an approximate cost of insurance would be? Thanks! Or if not, what are the best suggestions for a first car? Cheap insurance very important!!""
How many of you out there have Car Insurance?
i'm an insurance agent (youngest one in the office-only 22) and i'm trying to come up with some numbers for how many people are driving around uninsured. if you have Insurance what company do you have? if you dont why not? and have you ever been insured? children under 16 (or unlicensed individuals) need not answer.
What auto insurance company has the best rates for teenagers?
i live in ontario ca if that helps and i drive a 95 caprice
Why cant I get an insurance quote because i'm under 18?
I went onto farmers insurance because that is what my parents have. I'm 15 but I'm turning 16 next year and have heard some real horror stories about car insurance for teenagers. I just wanted to check how much it costs but farmers says i cant get a quote because thats only available for people 18-108. WHY!? Are there any other insurance companies out there that I CAN get a quote for or are there at least any other ways that I can find out how much it will cost?
Car insurance prices 4 ex------?
ex-fenders does any one know a good car insurance for my boyfriend he had a fight 4 years ago and he did not disclose this last year and had hius car taken of him , he did the form to fast on line and did not see the questionon, so ppl in the same boat can u comment and not a busy body who thinks they know it all
Car insurance for a 21 year old?
My friend has been quoted 1200 per year for car insurance and his 21. Is this alot? How can he get it cheaper and thats for an old banger!
I am 18 and need car insurance?
i am moving out of my moms house, me and her havent been getting along at all lately. she isnt letting me take my car so i need to buy my own car and get my own insurance. is it possible for an 18 year old to get their own car insurance policy ? i was told you had to be 25. and if i do buy my own policy, about how much will it be? i have no tickets or violations and it will be an older car, but it will run! and advice at all on moving out and making it work would be much appreciated.""
Would you support higher road taxes and more expensive car insurance in return for cheaper public transport?
Would you support higher road taxes and more expensive car insurance in return for cheaper public transport?
New Insurance coverage?
ok im having a really hard time calling these people and getting no answers. its plain and simple. I have health insurance through my mother. I recently had a baby and i was told he will only be covered for 2 months and after that i will have to get his own coverage. Now the question is this. I want to get my own insurance so he can be under my name, meaning i want to be off the one my parents have me under. is that possible? and if otherwise, would i have to put him under my moms or what?""
What health insurance can I get?
When I turned 19, I no longer qualified for my healthy families program. So I currently don't have any kind of health insurance. I have some very suspicious moles that I wanted to get checked but was shock at the cost. I believe my family is considered low income. What kinds of health insurance plans are out there that are affordable and will cover my dermatologist visits?""
How much should I expect from the insurance company for these damages to my car?
I have a 99 oldsmobile intrigue, my car was hit on the drivers side between the front and back doors. The front door is really damaged and the rear door has some""
Car insurance?
My auto insurance has expired and I'm kinda looking for a new car insurance. I can extend the previous car insurance, but I just want to know about other car insurances as well so that I can make a good choice. I took a look at many car insurance company websites, but it seemed like I need to put all my personal information (not only about my car and my email address but also my home address, phone# etc) to get a quote. I'm worried that maybe they would send me all kinds of junk mail kinda stuff to my house if I put my address on the form to get a quote. Do you know any good ways of getting a quote without telling them my personal info? Any recommendation which car insurance company is good? Btw I've never got into any car accidents so I just need a cheap auto insurance. I drive '83 caddi.""
In California does it state anywhere in family law divorce forms that a spouce has to have insurance !?
cont..... -----------> on the other party ? (do i half to have my ex. on my Ins. policy (health)
Insurance rates after being cauught with someone in my car?
im 16, i was pulled over and issued a ticket for driving another person while only having a provisional liscnse. my dad is selling my car becuase he thinks my insurance will double. there is no ticket yet im still going to court. can somebody give me advice / details.""
Allstate insurance?
does allstate have medical insurance
How much does one speeding ticket effect my car insurance?
I was going 14 over the speed limit
Help with car insurance?
I am 16 and my dad wants me to pay for my own and i want to i just want to know the cheapest car insurance so will you please post a url that i can go to?
Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
While driving on the freeway, a metal object from car in front of me fell and damaged the front of my car. Will my insurance raise my rates or negatively effect my insurance record if I go through insurance to get it fixed? I use Mercury insurance in California and I have standard collision coverage. Thanks""
Nashville Tennessee Cheap car insurance quotes zip 37246
Nashville Tennessee Cheap car insurance quotes zip 37246
What is a good reputable Insurance Company for Health Insurance?
I need health Insurance and I want to get quotes.
Does GEICO stand for General Electric Insurance Company?
Does GEICO stand for General Electric Insurance Company?
How does life insurance work?
i talked my dad into buying life insurance but he says that i just want him to die but i told him only to take out a 50 thousand dollar policy for the funeral and other expenses nothing else i don't need a million dollar policy and how does life insurance work if i talk my dad into getting a 50k policy does the insurance pay it all at once or does the insurance give it month to month or year to year explain it all just in case he wants to get more which i highly doubt he will but anything from 25k to 50k will be find i don't need a million dollars to plan a funeral and how much do you think it would cost to make him have a 50k policy and i asked this question before and i got the response 50k is too much i see people who get 5million dollar policy im not trying to get rich im just trying to get enough to pay for the funeral if i really wanted something i would ask for more because im paying off his 500 thousand dollar house with my money and my pay so he can at least appreciate what i do for him
""Why do libs think health care is a right? What next, car insurance? How about free food for everyone?""
Life, Liberty and the Pursuit of 'Free' Health Care Every new 'right' the U.S. government has promised has turned into a massively expensive failure, yet the media continue to cheer supporters of tax-funded programs. Americans are obsessed with rights. We always have been. But the concept of rights our forefathers laid out in the Declaration of Independence has changed dramatically. Those rights life, liberty and the pursuit of happiness were acknowledged to come from the Almighty, given equally to all people. Todays rights come from Almighty Government. Health care is the newest right. From presidential candidates universal plans to the return of HillaryCare to Michael Moores movie Sicko, its all over the media. Calling it a right is an emotional argument advanced by those who want others to pay for their health care. They bring out the children and ask whether anyone can deny them the basic human right of health care but dont bother with the evidence showing how health care in this country would be harmed by government control. A look at other modern rights might give us a clue about how well a new system would work. These rights started out as privileges, among them education and a paid retirement. Now education is not only considered a right, its a mandate. How well has it worked? American students attend school at least until their teen years, but 15-year-olds ranked 24th out of 29 countries in aptitude for real-life math problems, according to The Washington Post. Literacy surveys suggest one in five American adults is functionally illiterate. And taxpayers keep shelling out money to fund the system. Americans also cherish the right to retire but we expect to be supported in our old age. Younger workers and employers are forced to support retirees, funding another right. And how well has that worked? The poorly designed, outdated Social Security system is disintegrating rapidly as the number of retirees balloons. But once youve established a right, its difficult to take it away. The government, which promises such rights, must go to its sugar daddy taxpayers to keep the rights coming. Were already well on our way toward the health care right/mandate. Want to be more like Canada? Its not that far off. Catos Michael Cannon has pointed out that third parties in America pay 86 cents of every dollar of our health care about the same as Canadas socialized system. What we or rather, those third parties pay for health care is already determined by the government as well. Emory University medical professor Robert Swerlick has noted that the pricing of medical care in this country is either directly or indirectly dictated by Medicare. This market meddling even causes doctor shortages, he says, in needed areas of specialty. Prescription drugs are already considered a right, thanks to political moves like the Medicare drug benefit and massive media support. A Business & Media Institute study found broadcast journalists treating prescription drugs as though they grew on trees. Overall, the coverage supported the idea that medications should magically be available to everyone at far lower costs. Of course, the magic behind new rights is your money. Cannon and fellow Cato expert Michael Tanner explained problems with tax-funded care in their book Healthy Competition: Whats Holding Back Health Care and How to Free It. If health care is guaranteed to everyone, how much does everyone get? Who decides who receives what, and how would the care be administered? What happens if everyone wants the most expensive treatment available? With the wide variety of medical tests and treatments that consumers may claim as their right, someone at some point must decide where the right to health care ends, lest the nation be bankrupted, they wrote. Were well on our way toward that as well. Our rights to Social Security and Medicare devour about 40 percent of the federal budget. State and local property tax revenue, which normally funds education, mushroomed about 35 percent between 2000 and 2005, according to the Tax Foundation. We cant afford any more rights like that. But the left says tax-funded care is right for the children. Meanwhile, what becomes of them? Theyre growing up in an America where the rights mentality is deeply ingrained, and the media continue to feed them with it. When the children come of age, perhaps theyll want the right to a job. They wont remember that France already tested that idea for us, and it led to high unemployment and rioting. Perhaps theyll guarantee Disney vacations for all families and force childless Americans to pay for it. The pursuit of will conveniently fade away as they look to government to guarantee happiness. They will know less and less of a true right liberty and have no idea where it comes from.""
Why don't republicans want Americans to have access to affordable health insurance?
Why don't republicans want Americans to have access to affordable health insurance?
What is insurance? Pls tell me what are the different types of insurances?
Insurance
""Trying to buy Car insurance on my own, but i don't know how much to buy?""
I'm getting an online quote and i'm buying a car for 2500. the page displays a bunch of coverage that would be paid in the even that it was my fault, but i don't know anything about deductables. Would anyone be able to tell me how much money for each coverage is good. and if i should get a deductable. thanks so much""
""After buying a car, can you immediately drive it, without switching insurance?""
Or do you need to buy the car, go to the insurance company, switch it over, go back to the dealership, then get the car? I live in AR if that is relevant.""
Would insurance be high on an impala ss?
I'm 18, I have a safe driving record (so far), I've completed driving school as well as defensive driving (it gives me a discount), if it helps. I'm thinking about buying an impala ss. I can afford it as far as the payments go, and my parents have agreed to pay the insurance if it's reasonable . So what am I looking at, guys?""
How does a 13 year old tell their mom they want to have a baby??? HELP PLEASE :)?
Im 13 and it may be a little weird but im ready for a baby. how do i tell my mom?
How much is motorcycle insurance for a 15 and a half year old?
so ill be 15 and a half soon and I am getting my motorcycle permit. how much would insurance cost for me? i am getting a k7 gsxr600. no question about it.
What's happens if i get caught driving without insurance?
Im 18 i have a VW golf MK2 GTI 1988 cost me 2000, but to insure it is 5000 a year which i cant afford, what happens if i get caught driving without insurance.""
What is the average insurance quote for a 2007 jeep wrangler?
I'm turning 16 in a year and my dad and I really want to get a Jeep. Not just for me, but for him too. I'm really interested in the 2007 jeep wrangler soft top. I plan on taking the defensive driving course because I heard that it helps lower insurance on the vehicle. Is that true? Also I have to pay for part of the monthly payments. How much is the average monthly payments for the type of car that I want?""
How can i get cheap insurance on my moms car because I'm only 17 and she has a 2l?
well I've just past my test and I had a look on gocompair just lookin how much it would be for me on my oun 1l and it comes up as like 3500 and thats silly money because i would have to buy a car then that will be like a grand :/ so i had a look on for me to go on my moms car and that comes out as 4000 and she has a 2l is there any way i can get t cheaper? thanks
Help! Car insurance question?
I am 16 years old and i want to buy my own car. I want to buy something a little older that looks nice, is more reliable, and has more features than a new, cheap car. But some people told me that the insurance premium will be based on the value when the car was new. Is this true? Am I really going to have huge insurance costs on a car that isnt worth that much anymore? PS: I live in alberta, canada my budget is about $5000-$12000""
Cheapest car insurance for a 18 year old male?
Cheapest car insurance for a 18 year old male?
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. Is there any insurances out there that are affordable for me? Please and thank you!""
Which is the best medical insurance in washington state?
Which is the best medical insurance in washington state?
Will my car isurance be cheaper if Im a second driver on someone else's policy?
My insurnce got terminated due to ONE missed payment, I tried talking to my previous insurers but to no avail, I have a claim still to be resolved, hence any new quote is coming bak with ridiulous premiums. So I was wondering if I add my name as second driver on someone else's policy will it be cheaper? Please help. I need to get back on the road as soon as possible, my job depends on it.""
Insurance for a 17 year old on a ninja 250?
hey im looking at getting a ninja 250r for a first bike. i choose a 250 because it is cheap, cheap to keep up, i could work on almost every job myself, it wont do a wheelie at 90 and kill me, gets 65 mpg highway, and is still as quick as a z28 0-60. what would the insurance be on a little 250 for an almost 18 year old with a perfect driving record, and almost all major discounts ( good student...etc)? i know you cant say for sure but would it be a doable amount since it is just a 250, or is it going way too much cuz im a teen?""
Motorcycle Insurance question?
I recently bought a motorcycle and i'm just about to buy insurance but i am abit confused, I'm thinking of getting the Third party fire & theft insurance, which means i wont get no claim if I crash my bike but what if the other drive is at fault? Does their insurance cover my damage or what?""
Health insurance for low income college student?
I was just wondering if anyone had some suggestions for reasonably priced health insurance in Minnesota. I am very physically active, do a lot of running and weight lifting; so my primary concerns are coverage for treatments involving possible breaks, fractures, muscle and tendon tears/breaks, and other things of that nature common with active individuals. Preferably something under $100/month because I am in school and with my current income I am lucky to average $800/month take home. Any help/direction would be greatly appreciated because I have not had health insurance for 9 years since I was no longer eligible for my mothers health insurance.""
Help i had a car accident driving a company car with no insurance?
i hit a car, unsafe start, i find out theres no insurance. I called my boss and he is furious and tells me i should put my insurance from my other cars to it and that i should pay for the accident. i dont know what to do i need help and advice""
How Much Is Quad Insurance UK?
Hi their.... i know its a hard 1 to answer but on average how much are people paying for quad insurance for road legal quads in the UK...... ive been trying to get quotes from companies but every time i ring them up they put me on hold for like an hour so i hang up i just want to see what people are paying so i have an idea of what prices to look out for................ I'm 20 & own a 250cc road legal quad........... but dont want to be paying 700cc prices
What is a good health insurance?
I want to get insurance for me and my husband. I need an insurance that offer health dental and vision benefits. I have seen alot of insurances, but i want an insurance that gives me good benefits, not just discounts. Can someone please give me opinions about your insurance and what benefits they provide you?""
Nashville Tennessee Cheap car insurance quotes zip 37246
Nashville Tennessee Cheap car insurance quotes zip 37246
https://www.linkedin.com/pulse/delight-arkansas-cheap-car-insurance-quotes-zip-71940-robert-porter/"
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Gaffney South Carolina Cheap car insurance quotes zip 29342
"Gaffney South Carolina Cheap car insurance quotes zip 29342
Gaffney South Carolina Cheap car insurance quotes zip 29342
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr
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I moved house so that I could buy a car, as the last house has permit parking rule and allowed one permit per house. So, I moved and now I am doomed, because the insurance is 3100 for a ford ka valued 1400. In the last house my insurance quote was 1500 for the same car, but just change in a post-code and bam. my dreams of having a car is shattered, I feel like crying out loud from roof top :(""
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Just wondering if anyone could guesstimate a car insurance rate for me? I recently graduated college and just got my first job making 32,000 a year. I am thinking of buying a 2003 Honda Accord EX Coupe. I havent gotten a ticket or been in an accident, ill be commuting 20 min to work every other week (carpool) and i have ok/good credit (no co-signer required). Any guesses? Thanks!""
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I was laid off a month ago (I'm actually happy I was because I was not enjoying work at all). I've started my own company, and I mostly work from home and I don't drive ...show more""
How much does canadian car insurance cost for a 20yr old male NEW driver for a used CAR or used SUV?
Just give me an estimate for a car or an suv in canada. Just an estimate. I know its different for all cars and suvs but just give me an idea obviously the differences CANNOT be thousands and its gonna be in a certain range. if u can give me a range fine, give me a range im just a new driver and male, 20. these stupid car insurance companies cant even give me that much its not like im going to be paying 9000$ instead of 300$.""
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Gaffney South Carolina Cheap car insurance quotes zip 29342
Gaffney South Carolina Cheap car insurance quotes zip 29342
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Gaffney South Carolina Cheap car insurance quotes zip 29342
Gaffney South Carolina Cheap car insurance quotes zip 29342
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Can my car insurance rate go UP if they pay for the medical bills of the other person in the car accident?
Ok so I was involved in a car accident November 10,12, I was at fault because I hit the car in the back, the guy just literally stopped and obviously even if you are right about saying that the other driver stopped too fast for you to stop,when you hit a car in the back (most of the time) you are at fault of the accident.Either way, my insurance paid for his damage ($2,000 worth) and I took my ticket to court,there I only paid for court fees but no points. Today, June 02,13 (almost 7 months after the accident) I get a letter from a lawyer( lawyer of the guy I hit in the previous accident) saying he is asking for a $10,000 on medical expenses,it says I should send the letter to my insurance company as soon as possible,which I will do tomorrow but my thing is, I don't want my insurance rate to increase, it already increased after the accident (was $130, now $170) so I'm just asking, will the insurance company approve paying for his medical expenses even if he is self-employed as a driver of big trucks (I guess he also lift heavy furniture in order to work) and has diabetes ( he was ketotic at the time of the accident,the guy is in his 60s)?? And if the insurance approves paying ( guessing he has all the medical papers in order) will my rate increase too? Again?? I have full cover in my car, and it also includes medical bills. I had to pay $1000 of deductible in order to fix my and his car so pretty much I don't want to loose more money is just horrible I am 21,full time student with full time job! Yes,is possible to do both things but honestly I don't think this is fair anymore, the guy wanted to leave at first and not only that he is sick (diabetes) and he was very rude at first but then the police ask him if he was ok and he said yes so I don't understan this... :(. Thank you!""
How much would insurance be on a honda cbr 125?
I'm 17, had one year on a bike with no claims and want to get a 125 cc. Heard that the Honda cbr is a good bike to get but I've been told they're expensive to insure. would go on the comparison sites but they take ages then send you a load of spam! so anyone know how much it would cost for third party only? the bike I'm looking at is a 2006.""
Can I take out car insurance in my fathers name to save money?
My father is buying me a car and he is going to take out a loan for the car. Therefore he is paying the car loan. I am going to pay the insurance but a 19 year old with insurance on a 2009 car is going to be expensive! How can I get the insurance under his name yet when I drive this car (out of the city because I will be living in Columbus at school and my dad lives in Cincinnati) and get in an accident, still be covered? Or is there no such animal?""
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i need car insurance but cannot afford to pay an upfront deposit? can any one help?
What is the cheapest ADD/ADHD medication for the uninsured?
I take 20mg Vyvanse now, but they cost so much money (300 plus for 60 pills). I am working but wont get health insurance for another 2 months... Is there a substitute drug that is a bit cheaper? Ritalin? Aderol? Concerta? Does anyone know where I could see a pricing chart.""
How much would it cost for a citation with no insurance in Texas ?
How much would it cost for a citation with no insurance in Texas ?
Best car insurance for my age HELP PLEASE?
Hi, I am going to buy a 2005 corsa c in afew days and I was wondering what would be the best insurance company for my age ? I just turned 20 and have had my licence for just about ayear. I could also put my mum and dad on the insurance if that would take it down if so how would I go about this and whats the best company to go with ? its a 1.2 sxi corsa by the way, thanks if you can help and I have cheked compare the market and that but people seem to be getting alot better prices than that is giving me and I dont know what they are doing different, thanks if you can help.""
Whats a good life insurance plan?
I'm want to apply for life insurance for me and my husband but, what is a good life insurance plan? and where do I apply? I know gerber is good for kids do they have gerber life insurance for adults?""
Can I get fire/theft only car insurance in UK?
I currently pay around 1200 per year insurance on my new car. Recent job change though mean I only use it maybe 3 or 4 times a month, and with one day comprehensive insurance available from dayinsure.com just 11, thought it might save me some money just to insure the car the days I use it... IF theft insurance is cheap enough. When not in use the car is in my garage so not going to cause any third party damage to anyone..""
Roughly how much per month is Homeowners Insurance?
What is the 12 month insurance premium for a $100,000 house?""
Driving without insurance?
I got pulled over for driving someone else's car in the wrong lane. He had his insurance in the glove box, but all i had was my license. I got my license less than a month ago, but dont have any insurance of my own. i got a ticket for improper lane and have to go to court. Is there a grace period for insurance or am i completely and utterly screwed? I live in Illinois btw""
BMW Z4 windshield insurance question... help please!?
Hi, I have a 2004 BMW Z4, and the rain sensor, for automatic wipers, has broken. Apparently, you need to replace the whole windshield to fix this (if you know different, let me know!), so my question is... is it possible for me to claim for this under my insurance? My windshield excess is 70, but I assume that is for when the windshield is cracked or damaged etc. So, seeing as mine is not damaged, only the sensor, is there any way I can claim? Also, if anyone knows how much a new windshield for a Z4 is, that would be great too.. I can't find any figures but I assume it's pricey :-( Any help or advice on this would be greatly appreciated (I'm in the UK, by the way).. Cheers!""
Insurance for a ten+ year old car?
I am looking to get a 2000ish LS1 Fbody (camaro or trans am for those who dont know) and I was talking to my dad about the insurance rates. Since I am a male under 25 my rates would go up a lot with a sports car like those. However he told me that since the cars are over ten years old, the insurance company probably wouldn't rate it very high just because of the age of the car, even though its a sports car. Does anyone know if thats the way it works? or is he mistaken? Please answer the question without getting into lecturing about young men having sports cars and how its a bad idea. the question could pertain to any older car, I'm not even sure if thats the car that i want. I'm just doing my research. Thanks!!!""
Teen car insurance??
Im a 16 year old male looking for insurance. My gpa is 3.2 and play 2 sports. I was wondering how much it would run me to have insurance in California for a 67 mustang coupe?? And in comparison to a 2002 audi a4?
What are some affordable health insurance plans?
Besides medicare, what are some cheap, affordable insurance plans in the hudson valley, ny?""
Gaffney South Carolina Cheap car insurance quotes zip 29342
Gaffney South Carolina Cheap car insurance quotes zip 29342
How pleased are you with your health care insurance?
Please rate 1-10 (1 being you do not have health care coverage and 10 you are very pleased Also Please give your age and nationality
""Two insurance quotes, one car?""
Is it possible for me and my brother to have two insurance quotes on the car, or do I have to go on his insurance? He is already insured on the car? Thanks :)""
Car insurance help about fully comprehensive ?
Ok so next month I have to renew my car insurance as it will be my 2nd year driving, I'm third party fire and theft at the minute and I'm planning on going fully comp. Now if I go fully comp and it includes windscreen cover and I use it (as I have a chip and a crack in my windscreen) will that mean I'm claiming on my insurance and will I loose my no claims bonus? If that makes sense.. The plan is to renew my insurance and if I can get my windscreen fixed on the insurance then hopefully it will be ok in the mot which is straight after""
Someone hit my bumper. Car insurance question?
I was in traffic today and someone hit my car from behind , damaged my bumper. I have statefarm and fully covered. I have never been in this situation , and plus i think it's getting a little bit complicated. Because the guy who was driving the car doesn't own the car. And the guy who owns the car's name doesn't seem to be the one who's insured with the car(it seems to be his wife or someone ) Usually does this matter?? What are the procedures I should take to get this done asap . I want honda to fix the damage. Will the other person pay for this damage. What should I watch out for ? any kind of traps? I have a small backpain. is that covered under insurance also ? I think they have allstate. please help !!""
Cheap car insurance in london.name of company ? please?
Cheap car insurance in london.name of company ? please?
Do I need to be on both my parents car insurance?
my parent are divorced and I live with my mom, but i go to my dads every weekend. I am under my moms car insurance (state farm). I was wanting to know, does my dad have to insure me to drive his car? I am only 16 by the way.""
Car Insurance estimate?
I know it's a bit impossible (like asking what's the length of a string) but I am wondering if anyone knows a rough amount , or has experience of how much car insurance would be for a 19 year old - near 20 year old male in the UK. I would be a named driver on one of my parents cars (A vauxhall Corsa 2013), my parents have no points on their license. I would only be using the car when I am back from University so for a maximum of about 3 months a year so not for the full year! I have heard of some people younger than me getting insurance quotes as a named driver for around 700 but I am unsure if this is true. a) Are there any insurance websites where you can calculate an estimate for a Named driver? ( I know ones for the main driver) b) would it be worth to pay it monthly ?... c) any estimates roughly? (an estimate within 200 or so! ) Thank you ! P.S if anybody magically knows of how much it would be for me to be with an insurance company as a named driver yet still gain no claims bonuses (as many named drivers don't get no claims) I'll be extremely grateful!""
Where can I get pit bull insurance in Ohio??? What does it cost??
Where can I get pit bull insurance in Ohio??? What does it cost??
Car insurance any idea's ? !! :@?
Heyy people Just so anoyed i spent about 800 on driving lessons and test etc.. Now iv passed well about 6 months ago! I would really love a car as i have to get 4 buses a day to college costing about 8pd! I can afford to buy the car the mot and petrol and other little costs apart from the major issue of insurance the cheepest iv found is 1,900 and that was on a 1ltr 02 corsa i simply carnt afford the insurance its so stuipid i am the most cautious carfull driver im a 19 female why are all yound people judged on bad boys with their sportyed up cars that drive like dicks and make the rest of us suffer! Does anyone have any idea's as to how i can find cheep insurance :( ??""
Medical insurance question?
if you are not married to your spouse but have a child together can you go under their medical insurance through work?
Shouldn't I try to claim all I can on car insurance?
Someone didn't quit stop on time and hit me a little in the rear. This guy was in his early 20's and when I asked for insurance he said he doesn't have it with him and that he is driving his grandmothers car. I asked him for his phone number in case there is a problem. My car just has a few marks from this but bodywork is expensive and it wouldn't surprise me if it wouldn't cost $300.Since my car is 12 years old I may not get the work done.Usually insurance companies tell you to get an estimate and mail a check to you. The driver that hit me said he is sorry but I think he hopes he doesn't owe me anything for this. Shouldn't people try to claim any amount of damage through insurance even if it is minor?
Insurance company totalled my car.?
I was recently in a minor accident in which someone backed into me. Their insurance company accepted 100% of the liability. They are telling me that they are deeming it as a total loss. My question is, once they determine the actual cash value of the car, minus the salvage and give me the difference, will my title be a salvaged title? I live in Missouri and drive a 2000 Oldsmobile Alero. I couple of different people have informed me that beings my car is over 7 years old it will NOT have a salvaged title but according to the insurance company it will. Also do I get the actual cash value minus the salvage amount or do I get the repair estimate amount minus the salvage amount? The car is completely drivable and only has a minor crack in the bumper along with a puncture in the a/c condenser which I can have replaced. I want to keep the car.""
Car insurance in new york?
hey guys, I'd like to know what would be the ballpark for insurance. I'm 24 years old and have had my driver's license since 2003 and never have had parking violations, points taken off my license or any type of moving tickets. I'm looking to buy a 96-00 civic and would like to know around how much I would be quoted""
Kawasaki ninja zx6r insurance for a 16 year old?
how much would insurance be for a 16 year old on a zx6r? please don't answer telling me it's a bad idea to ride this bike at 16, i simply want a price range. I did a progressive online quote and basic insurance was only $35 a month. does this seem too cheap, or no?""
What is the telephone number to American Standard Insurance?? *car*?
thanks!!
Insurance on an 2006 chevrolet equinox?
My parents are buying me a used one for my birthday in a few months. I am suppose to buy the insurance for my vehicle though I was wondering about how much it would cost for a 16 year old? Also I have a daughter that would be riding with me most of the time, I dont know If that has to be added into the insurance cost of not? Im kind of clueless, thanks for your help!""
Health Insurance for expecting baby?
Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!!""
NC Divers License and insurance?
My boyfriend is looking to get his license for the first time and we have a question about insurance. As far as I know, in the state of NC you cannot get your license w/o having car insurance. How can you get your license w/o having a car to issue insurance on? In other words, if he doesn't have a vehicle, why do they require you to have insurance before obtaining your license?""
Just passed driving test. 18 years old. What is the cheapest insurance company for me?
Just recently passed 17, turning 18 in a few days. What is the best insurance company in terms of price? also what car would i need to purchase to get the cheapest possible quote? Advice needed!""
Why should I have to pay for your health insurance?
An answerer on another question said, Do you have insurance? What of those who cannot afford it (my sister comes to mind, and she has a husband and two sons under age 18 years who are also not covered)? Medical care is extremely expensive and necessary. I'd much rather my tax dollars go toward a means of making insurance affordable to everyone than to fund an immoral war. Oh, and my sister and her husband have always worked very hard. Neither are fat, lazy bums who sit around all the time. Heck, my sister would love to have 10 minutes to herself, but can't take the time. * 20 minutes ago These people made a choice to have two children they cannot afford to insure. They had a responsibility to seek employment where they would have health insurance coverage for themselves and their two children. Or obtain insurance on their own. If they are healthy, it can be gotten at a rate comparable to what I pay through my work. I work two jobs. Both of my jobs, even the part-time job, offer me health insurance, so jobs with health benefits are not so hard to find. Why should I be made to pay for other people's poor choices? I have wants and needs, too, and it's MY money.""
Car insurance help!!!?
Hi me and my boyfriend are both new drivers. We bought a car together a few months ago a renault clio. We insured the car as me as the main driver. Fully comp. Our insurance costs 1885 annual. We have now decided to get another car... another Renault clio exactly the same. Are we insured to drive the second car? Do we have to add it on? Get another policy? Can we cancel? So confused please help xx
""How much will car insurance cost me, as a young driver?""
I will be 17 in may next year, but I need to start saving for insurance. Does anyone know any cheap insurance deals, also who they are, and how much? I live in UK thanks :)""
""Can a person with a driver's license but no insurance, legally drive another person's car?
I live in Pa. Can a friend who is a licensed driver but has no car insurance drive another person's vehicle legally? What are some problems which could happen?
Car & Health Insurance?
How pathetic of a country are we, that car insurance is mandatory, even criminal if we don't have it, yet health insurance is not? What does this say about us as a society?""
Affordable Dental Insurance in NY?
I live in Queens NY and I have no dental insurance. My mother works but she doesn't make a good amount and my father is unemployed. She has medical insurance, Aetna, but it doesn't cover dental and I need to have 1 stupid root canal done and it will cost 2000 w/o insurance. Anybody, I need help. I am also a student in college, so any help, I really need it.""
Gaffney South Carolina Cheap car insurance quotes zip 29342
Gaffney South Carolina Cheap car insurance quotes zip 29342
https://www.linkedin.com/pulse/need-cheap-medical-health-insurance-alan-riley/"
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Car insurance company may be lowballing me?
"Car insurance company may be lowballing me?
someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!
BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr
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My insurance company said they need the car title before they can give me insurance on the car. This doesn't make any sense, the dealer say they cannot hold on to the car once it's bought because it's not their responsbility anymore. But I need to buy the car to get the title and the title won't be processed for 1-2 weeks. So once I buy the car I need to take it home but that means driving without insurance, what's going on here is it okay?""
Pregnant and no health insurance - Maine?
I am canadian who just got a visa to move to maine to live with my US husband - I still work in Canada and cross daily. 3 nights ago I found out I was pregnant. I called my blue cross to see what it covered in the USA and when I told them I moved from NB they promptly cancelled my insurance. My husband doenst have insurance and because of my salary in Canada we dont quality for medicaid or mainecare. so no insurance, no mainecare and no money...... I also cannot have the baby in Canada now as they cancelled my medicare when I moved...... so this is worst situation I have ever been in...... I have wanted to be a mother for years but I cannot afford 15000 to have a baby ...... I am honestly contemplating an abortion.....""
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I am trying to claim a life insurance policy on my dad who passed a month ago.I was the beneficiary but Met life is hassling me and says that it was never on file.He paid forty years on a 10k payout and now they say the company he worked for told them there was no beneficiary when I am told by that company he worked for that I am most definitely am on the policy.My dad changed it over two years ago after my mom died who they also said was never on the policy!!! The woman said they will not except any papers from that company now as to confirming this due to it already being filed. They want me to get a paper notarized saying that i'm trying to get it but yet first want to know all my siblings names and their ssn so that it will be divided up or paid out to unpaid credit cards.Has this happened to anyone before? I cannot pay funeral expenses I have 7 greedy siblings who didnt help me one day in the last 3years of taking care of my elderly parents! If my mom was still alive and this happened to her OMG Why even get an INS policy if they treat you like this??
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Car insurance company may be lowballing me?
someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!
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""Do professional race car drivers have life insurance and if so, how much does it cost?""
Do professional race car drivers have life insurance and if so, how much does it cost?""
Where do you find affordable health insurance with a pre-existing condition?
Where do you find affordable health insurance with a pre-existing condition?
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If the 12/31/08 account for prepaid insurance is 3100 and the annual insurance payment is 6000 and this?
payment is made in advance on april 30, 2009, what is the insurance expense and the amount of prepaid insurance on 12/31/09?""
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I bought a 1999 Honda for $4,500 in March of 2010 from a private party, about nine months ago. The owner never disclosed the fact that the car had been totaled in December on 2009. According to Washington State unless the total meets certain criteria it doesnt have to be listed on the title. On January 17th 2011, I was involved in a car accident. The insurance totaled my car. Somehow the insurance discovered that it had been perversely totaled, which I was not aware of. I had full coverage on the car. They now are saying that I will get receive what the car is worth with a savaged title. My question is, do I have to except this or can I fight for the value of a clean titled vehicle? Should they have run a check on the vin when I insured it with them and discovered the that the vehicle had been totaled before? Or is everything my fault?""
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I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me $3000 a year. Thats $250 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?""
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Will my insurance pay my car?
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Who does the cheapest temp cover car insurance?
Who does the cheapest temp cover car insurance?
How much to get a 2007 BMW 335i insured?
I have been looking for a beamer recently and I found one it's a 2007 BMW 335i blue coupe and I was wondering how much insurance is for it in California.
Whats a good way to lower car insurance if your about to turn 16 and live in Las Vegas?
Hi! I'm about to get my license come July and I just found out I'm gonna have to pay for it by myself. Is there anything I can do to lower my insurance and what would be the best insurance brand to buy that good, not so pricey, etc. Thank you!""
Are there any good Websites about Insurance ?
For someone who is newbie in Insurance , Also if it contains cases and Q&A it would be best Does anyone know any ???""
How long with a car accident affect your insurance rates in California?
I was found at fault for two accidents (damage >$750) a couple years ago and also got ticketed for turning right on a red at a no right on red light. I just spoke with my car insurance company and was told that the accidents will remain on my record for 5 years. Is that true? I looked up the DMV code for California and it looks like the accidents are reportable for only 3 years (no one was hurt, no felony or criminal charges - these were small fender benders). Is the reporting time really 5 years?""
Do you have to have car insurance to legally drive?
Do you? and do you have to have car insurance to buy a used car say from maybe someone on craigslist? can you get a license plate for your new used car if you don't have car insurance?
Car insurance company may be lowballing me?
someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!
Will my insurance company cover the price of my car loan?
I pay insurance rates for the price of my car loan ,will my insurance honour that price or will they try to screw me around because some people have told me they would only cover the price of my car which is a big difference""
Why are insurance companies under the Obama health care plan allowed to not cover existing medical problems?
How is this making health care affordable? My physician wrote a letter stating I have no complications, but the letter BC/BS sent me was that under the Obama health care plan they do not have to cover my thyroid or anything related to it. I am a widow, unemployed for 1 1/2 years and pay for my own health insurance. Will you do anything to change or eliminate this health care plan?""
""Ran a stop sign, will I have to take traffic school to keep insurance rate down?""
I am a 21 year old who got a ticket for running a stop sign in Los Angeles. When I go to pay I see the option of traffic school, but it is more expensive than just paying the ticket off. If I want to keep my insurance rates at their current price, do I need to take traffic school? I am willing to do it, I just want to make sure the extra money won't be for nothing.""
New driver - cheapest insurance?
Like thousands of other parents I'm looking for a cheap first car for my 17 year old daughter for when she passes her driving test. We're not in a position to buy her a brand new car, and she's happy to have an older one anyway (she has roughly 2k to spend), but the concern is the insurance! There are plenty of websites with new car insurance groupings, but can anyone please advise me of older small cars which are in the lowest insurance groups.""
""Getting my own car, insurance and registration.?""
I'm getting my own car, but I don't have a license yet. So I was just wondering should I put it under my dad's name first? And also the registration and insurance. Should it be under my dad's name first or can I put it under my name? They were thinking about getting the insurance for me because it would be cheaper but would it be possible for them to get the insurance if the car is under my name?""
Insurance for motorcycle rates.?
Since others said there are to many variables i'll list out as many as I can that they stated . Kawasaki Ninja 300r 2013 will be parked in a small garage, I will be getting a BCR licence to go with it, and I live in Zion, Illinois. The use of the motorcycle will be to get me from home to school which is only a mile and to get me to a job that is within 10 miles. I'll be 16 when I buy it and I don't plan on doing any sport racing or stunts so whats a rough estimate, once again without the referral of a website quote.""
""After the insurance adjuster gives an estimate on the damages on my car, whats the next step?""
My car was hit by a van and the vans insurance company is paying for everything. I recently got a call from a body shop saying they received the estimate cost for the damage of my car. My question is: if I find another body shop to fix my car for less then the insurance company estimated, what happens with the left over money? Do they keep it or I do?""
Car insurance that covers young people driving other cars?
I'm looking to buy car insurance as my renewal is due on the 30th of Nov, Does anyone know of any insurance companies that will let you drive other people's cars with the owners permission? I'm 20 at the moment and I'm aware that most insurers will only cover 25+ for this benefit but I want to know if there are any companies that offer this to younger people under 21, also if anyone knows of any companies that cover over 21 year olds this will also be helpful as I'm turning 21 during the course of the policy can anyone help me with this?""
Does having V8 engine increase insurance?
Does having a V8 engine increase your insurance? And if it does is it significant??
Why is car insurance for girls cheaper than for guys??
funny.. Each time i notice a careless/reckless driver, its a female.""
Car insurance?
Im 16 and 1/2 years old. My dad says that i need good grades to get my own car insurance.. Couldn't i just place my name under my dad's auto insurance? How does that work
""My husband and I need private health insurance, any recommendations?""
My husband and I need private health insurance because his job does not offer it and I am a stay at home mother of our two year old son. We live in California, make about 2000.00 a month and are a family of three. We just need basic coverage so that if we get sick we can go to the doctor and if we have an emergency we can go to the hospital. Any recommendations for a low cost good plan that would suit us? Thanks so much!""
Why the heck does car insurance make you pay more...?
when you call to file a claim? Like, why do they raise your rates when you call them to use their services that you're already paying for? Someone pryed the emblem off my friends car and he said if he claimed it on insurance his rates would raise just because he claims it. What's up with that?""
Can I borrow money from my life insurance policy?
I have had a life insurance policy since 2002. It is only for $50,000.00. I have always paid and never been late. I am now in a bind and need this money to start up a business. Being that I have had this policy for now a little over 8 years, can I borrow the full amount?""
Car accident now what? insurance question?
I was in my first major car accident, my car was totaled. I was waiting at the light to make a left turn, the green arrow came on and i went and some one coming from the opposite side of the lane in the opposite way ran a red light and hit me, he claims on the report he doesn't know how the accident happened. I just wanted to know what do you think will happen? A witness was talking to the cops but his information is not on my police report. It has to go through his insurance what are the odds that they will know that he was in the wrong and not me??""
About how much is car insurance in Japan?
Wondering for future reference when I work there as an ALT in 2 years. I already have a drivers license here in the US and I know its good for 1 year in Japan then must be switched before the year is up (not sure if it'll cost anything to switch)... So about how much is insurance and is it necessary to have by law? I'll be 22, drove for 4 years. Thanks!!!""
New car financed through Honda Canada . I want to buy liability and life insurance .?
Can you purchase life and disability Insurance with a company of your choice to get a cheaper rate or do you have to purchase through dealer.
Car Insurance Honda Civic coupe vs sedan?
So I'm looking into buying a car. I'm 20 and I'm under my dads insurance. I pay 60 for being a secondary drivers for my dads van, but I want to get my own car. Would it be more if I got a black Honda civic coupe rather than a sedan?""
Teenager car insurance help?
Okay! I am a 17 year old male who has been driving in total for 2 years and I have unfortunately had 2 accidents. The first occurred in May of last year. I pulled out of a gas station trying to turn left so I had to cross two lanes of oncoming traffic ( I was in an unfamiliar vehicle) I could not see the lane closest to the middle and I went out further then I thought and the oncoming car took off the front bumper. The second accident occurred 04/14 I was driving to school and there was a man ahead of me who had his signal light on for the past 4 miles it was pouring down rain so I looked over to change lanes and when maybe I looked for to long I'm not sure but wheeI turned back the man had come to a complete stop in preparation to turn from a highway onto a dirt road. I slammed on my brakes they locked up I couldn't steer away and I hit him in the rear. My question is. Is this going to keep happening to me? Am I really that bad of a driver? and what insurance company is best for my situation as my parents are removing me from their policy. Any help would be appreciated!
""Car with basic insurance stolen, what will insurance company say?""
My 90 honda civic was recently stolen, and I had the most basic insurance legally possible. Will my insurance help cover this at all? I have car insurance through Omni and I already called them... but I have to wait 24-48 hrs before I'll hear back from them. I think I know the answer already, but can anyone that's been in a similar situation fill me in?""
I need to find cheap car insurance?
I am looking for car insurance and from where i am at right now with geico i will be paying over 300 dollars and thats the cheapest i could find. im currently 17 i have a permit not a licence and im about to turn 18 in a month. would it be cheaper to wait till im 18 should i get my licence now? im so confused......
""How much is this going to cost me? In IL was driving with no insurance, license & got into a car accident?""
I did however get insurance right after the accident, so my proof of coverage began the date I got my ticket. I did not have a drivers license because I was waiting for my certificate. I got my birth certificate and am taking my test tomorrow. My court date is monday. How much will I have to pay?""
Will my car insurance cost less when the surcharge ends?
Please let me know what your experience gas been.. Thank you
Is my life insurance cheap or expensive?
I pay $4 a week and I get $30,000 insurance and I'm 22 years old, male, is this a good or bad deal?""
When asked for your insurance in a car that's not yours..?
Just recently I took a vacation down to Galveston, and on my way back I got a speeding ticket in Ennis. Thing is, I was in my boyfriends mom's car and I didn't have my insurance. So I gave him the insurance for the car that I am not covered on. So my question is, is her insurance effected because of me? and When taking defensive driving should I put my insurance down for getting the ticket off my record?""
Car insurance company may be lowballing me?
someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!
How much will car insurance cost?
I want a 2002 toyota Celica and a suv like 2003 escalade Im 15 now but when I get my license I'm going on my mom insurance but I have to pay the bill how much
Car Rental Insurance?
Liability Insurance Supplement 11.95 USD Loss Damage Waiver 19.99 USD Personal Accident Insurance / Personal Effects Coverage 5.95 USD Which ones are really needed? We won't be carrying any luggage. We are only driving from San Antono to the coast and back for business. One day trip.
Insurance Tips! Needed ASAP!?
i have to get new insurance before i register my car. i have an 2006 chevy cobalt ive been in 2 car accidents and i haven't had my D.L for more then 3yrs. Could i take some kind of defensive driving class to get the points of my record and a lower insurance payment? if you don't have anything useful to say plz do not answer THANKS=)
""If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""
If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""
What cars are cheap to insure? UK ?
i know it depends on individual person but, in general, which cars have the lowest insurance? thanks""
""Please help, student health insurance?""
I live in New York i'm 19 and go to college. Recently i have been having this heartbeat rhythm in my ear for the past couple of weeks. Anyways i want to see a doctor because my ear is starting to hurt a little.But i have no health insurance or anything in NY. My parents live in VA, when i used to live in VA i was covered through my parents health insurance. Is there anything i can do ? Any affordable health insurance companies i can look into? Any health clinics ? Does the state of NY provide anything for college students?""
""Could $5,000 cover the healthcare insurance premium for a family?""
If McCain's credit becomes reality, doesn't it seem logical that a major healthcare provider would put together an affordable health insurance package for the credit amount and market the heck out of it? Obviously, it won't have all the bells and whistles, but people would be covered. There is the issue of the tax on the premium, but it still seems like a good idea. This link was interesting - it describes both plans clearly: http://money.cnn.com/2008/03/10/news/economy/tully_healthcare.fortune/""
Car accident will his insurance pay for the rental?
I got hit by a Semi the police came we exchanged insurance info I got estimates faxed them to his insur and they paid me but now the Body shop guy say's its gonna be a week to fix ...show more
How much car will insurance cost for me?? please help?
becoming a new driver and driving a 1982 corvette with a v-8 how much would the car insurance cost, will it be higher because the car is costly but also cheaper because its not a big vehicle and cannot do as much damage ?""
I have an insurance question?
I was a passenger in an auto accident, and I am supposed to receive a payout from the drivers auto insurance. However I am concerned whether or not my heath insurance(who paid for my medical bills), will be able to access that money that was offered to me by the auto insurance company. Will they be chasing after the money for reimbursement?""
How much does horse insurance cost?
How much would it cost to insure a 14 year old gelding quarter horse? He is 1,200 pounds and does jumping and dressage. I need to know this ASAP!!!""
2006 cadillac cts insurance rate for teens?
i want my dad to give me his car but i wanted to know how much the insurance would be its the base 2006 2.8L cts and its salvaged , so yeah state farm rates would be a +, State of California""
I need a cheap auto Insurance company.?
Can anyone recommend a specific company in California that they use and was either told or knows that they are a low cost agency? Thanks for your help.
Car insurance liability question?
I was recently in a car accident. A vehicle was attempting to pass me on the right in a parking lot and hit my car. My insurance company said that I am not at fault. However, the other party's insurance said that I am at fault for the accident and will not pay to have my car repaired. I am positive that it is not my fault and it is easy to tell by looking at the damage to my vehicle. How can I go about having the insurance company pay for the damages to my car?""
How much would motorcycle insurance cost me?
Age is 16, the bike is a Kawasaki Ninja 250R (250cc), in Ontario, Canada.""
My car under my parents insurance?
Ok i have a hypothetical question...Say if my car is in my name, and i am under my parents insurance...And i get in a major accident are they liable? Are they at more risk if i am in their name but i own the car?""
Can I drive my friends car without insurance?
Can I drive my friends car without insurance? I don't own a car. I don't have auto insurance. If I borrow a friends car, am I covered under his insurance? is there a special type of insurance for people like me?""
""What's the cheapest car insurance company in Fresno, CA?""
What's the cheapest car insurance company in Fresno, CA?""
A question about car insurance?
We own three cars and have insurance on all three. If my daughter moves to another city and takes one of the cars, will the insurance still cover her? Typically the rates are based on where you live. Thanks for any advice!""
Car insurance. Diesel 1.6 or petrol 2.0?
Which would be cheaper to insure.
Is it covered under insurance?
i want to change my old cavities to the white cavities to match my teeth. i hate to open my mouth in front of people because i have so many cavities. the thing is, is it covered under insurance and is it expensive?""
How much will my brothers insurance go up after his accident?
How much will my 18 year old brothers car insurance go up after a 3,000 single car accident? Thanks! :o)""
How much would it cost for three 18-20 year olds to live on their own in a 2 bedroom apartment?
I am currently 15 but am planning to move in with my best friend, and my boyfriend at the age of 18. Can anyone tell me what the prices may range for about? We want-- A two bedroom apartment. (Not specifically top notch) Heat of course, but air conditioning not needed. One car with insurance. No cable, phone, or internet. Electricity, Water, and food of course are important. I will be in school as well as my friend, so we can work part time. The boyfriend can work part time or full time. Does anyone know how much this may come to? Around? Aim high because we really want to be prepared. Thank you all so much. =]""
Short term car insurance for driving abroad???? (in france)?
I am 19 years old and heading to france for the day, the yearly car insurance I already have does not cover me abroad, so I need to get insurance for the day. I have looked online but most companies only insure people who are 23 years old+""
What's an good place to get auto insurance?
What's an good place to get auto insurance?
Car insurance company may be lowballing me?
someone hit my car 2 weeks ago which was a 1993 lexus ls 400 ( i know its an old car) and yes he did admit fault on the report and to his insurance company .the problem is they called me stating that there offer is $1600 ,because of previous rust on my car.let me 1st say that is bull i have pictures of my car pre-accident and post accident .there was no damage until there insured hit me.also ,they sent me an appraisal listing of the same cars in my area from dealers to come up with local market value but when i looked up the same cars that was sent to me the prices the insurance company sent wasnt the same prices the dealer had marked for there cars also ,when i asked them why this was and that i also found cars with higher mileage with prices of $3500 plus they said they dont go by dealer pricing,so my next question is why did they send false dealer estimates to me then?and when i looked at the appraisers notes certain items like sunroof ,heated seats etc. wasnt included.i haven't had an accident in over 6yrsso someone who has been in this situtation please give me advice how to handle this . is the price they gave me fair or are they lowballing me ? and are the tactics they are using a usual thing? aaaaggghhh!!!they are making me nuts!!! thanks for all answers in advance!!!
https://www.linkedin.com/pulse/aib-car-insurance-quote-caroline-stephen/"
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