#could i actually live in nyc during winter? this year's winter in the south is obliterating my mental
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megaeratheefury · 6 days ago
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slowly accepting that i am approaching a fork in the road forcing me to choose either the city i've lived in my whole adult life or career progression in my field 😔
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theepitomeofsimplicite · 6 years ago
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Hi everyone,
I guess it’s never too late to wish you all a wonderful happy new year! Today, I’d love to take a moment to share my reflections on my best of 2018 travel. So, I am considering creating a series of posts in the upcoming weeks (YES! You read this. I am back to the grinds of writing and I am feeling super motivated) about sartorial-self editing and a follow up on continuing living my minimalist life.
The other day, a friend of mine who does not enjoy travel as much as I do recently asked me: ” What value does it bring to spend all your money in traveling so frequently?”
I paused for a brief moment and tried to recollect in my head all the countless unmeasurable benefits I gained from the experience of traveling. I’m thinking of adventures, freedom, and creating sweet memories with my favorite people. Mountains, road trips and singing cheesy songs in the car, big cities, beaches, lakes, wine country, night life, speak Spanish, fall in love… and so much more I mean where shall I begin…
Here are some advantages I can think of when it comes to why I value travelling as often as I can. To start with, there is an excitement and anticipation of planning a trip up front (read more about experientialism vs materialism post here). Looking forward to how we would imagine the journey. It gives room for creativity in deciding what activities to fill our days with.
Next, I learn to live more intentionally by pausing and being in the moment. I pay particular attention to small overlooked pleasures in life. I enjoy very much to be engaged with people in a genuine way by becoming a better active listener for instance when taking in to their stories. I experience more gratefulness. I like that my discovery mode is turned on (try new food, catch new sights, practice a new language sometimes, or embrace new cultures).
All in all, I find travelling to be important to me because it contributes to my self-improvement. All these reasons contribute towards my personal growth; my thoughts are influenced by a broader range of awareness of the world surrounding me, my habits are sometimes mimicking other’s cultural lifestyles, my learning is derived from my interactions with people and taking in their outlook on life, my beliefs are more grounded, and my thoughts are centered around creating a healthier and happier way of living. Let it be minimalism and zero waste lifestyle but these topics are worth detailing in separate posts.
Anza Borrego Desert/Julian, CA
After returning from my regular winter euro trip in the beginning of the year from Dresden and Paris, in February I went on a mini weekend road trip to Anza Borrego Desert. It’s only a two hour drive northeast of San Diego where I live and is located south east from Riverside and south of Palm Springs. The Anza Borrego Desert State Park isn’t too far from the Mount Jacinto Park where I hiked in the summer of 2017 (read here). It’s the largest park in California and has many wilderness areas as well as lots of hiking trails.
I picked the Palm Canyon trail where a minimum of climbing was involved (I love climbing!!!) and I was able to catch a sight at the primitive palm trees which are the tallest in California and are kept very wild and untrimmed. Down the oasis, I could hear from a far distance some buzzing sounds that resonated all around. As I was so curious to find out the origins of these croaks, I rushed down the river by climbing down the hiking trail in an off trail fashion (my adventurous side) to find some very cute tiny frogs under the rocks blending with the surroundings in the most perfect way.
All the climbing efforts were well worth! Then as the night quickly fell down, it’s how I got some very large and deep scars on my left forearm because I ran into a giant cactus on my way back up to the trail. Not very clever but I put the blame on my tomboy side! Later that evening on the way back to San Diego, a pit stop at Julian was required to have a taste of the well-known local apple pies and cider.
Los Angeles, CA
I drove to the city of angels and visited my friend Alexie (from UCLA) in the beginning of March as I needed to renew my passport at the French embassy. This was a two day trip but I really appreciated my time spent with her discussing various topics and you know just being women. Read more here where I talked about trying Tsukemen for the first time at Tsujita and a local’s brunch at Egg slut.
San Diego CRSSD FEST, CA
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This electronic, deep house, and techno festival is a traditional yearly thing I attend with my Persian buddies Arash and Massoud. Although I’ve tried to save a decent budget dedicated to music festivals for the year, I always seem to mess this up. But in any case, this is a sort of a mini Coachella and if you are in San Diego during March and September I recommend you guys to check it out because I like that it’s located by the waterfront and our dear Pacific Ocean.
Seoul/Busan, South Korea
In March, I was sent to South Korea for work (second time around and read first impression of the previous strip here). I stayed in Seoul and enjoyed this trip very much particularly as I didn’t end up having to do too much work at the customer site for once. But differently than last time, I decided to gather a team and explore South Korea away from the city center of Seoul. So we took the train to visit Busan.
Busan is a very large port city and is well known for its beaches, mountains, and temples. I enjoyed hanging out at the Haeundae beach with the young crowded locals and shot some fireworks. Later that night, the team composed of the new Dutch girlfriend Anne and another colleague, Robin who is Irish, went on bar hoping and met a friendly group of enthusiastic high energy good vibe young Koreans. We befriended right away with songs like Gangnam style and other classics.
We were then invited to a Karaoke bar and sung our heart out til about 8 am the following day. We actually made a reservation at a hostel nearby but needless to mention how pissed off the receptionist was as we had a very very very late check in that dragged her out of the bed. I know this was messed up but our new Korean friends helped us get to stay in to rest for the remaining duration of 2 hours, which was barely enough sleep but we needed to catch the train back to Seoul and I had to fly back afterwards.
The best part of this trip I think came from the idea that propelled me to go to Busan in the first place. The ultra fresh seafood and sashimi. I watched a documentary online where I saw a man trying to experience the “live” sashimi fish in Busan and choked on it. He became so red and almost died. I thought the idea of trying something so “fresh” would have made a fun challenge so I set my mind to experience it too at the Jagalchi Market, the world famous market for fresh fish and seafood. Robin and I got to try it but I barely survived. Personally though I wouldn’t do it again haha.
Another crazy experience was found at this local BBQ restaurant where I had fresh grilled eel for the first time ever. It goes without saying how painful that was visually and the taste was stringent. Have you ever eaten a whole eel? I’m not speaking of the little piece of eel that is place with a generous amount of Teriyaki sauce on the sushi but the whole fish. It’s so bony and crunchy towards the tail. I also would detail the part where the fish are taken from the aquarium then processed in front of your attentive eyes.
The cook knock the head of the eel using the back of the knife then begins to skin off the fish by removing the spinal column. The sound was draconian. The fish is then cut up into chunks. Later the pieces are laid on the plate ready to be grilled but the heads also come together. The visual still hurts me by just typing these lines but please skip this section if you are too sensitive sorry. As the brains were trying to pump blood through, and while Robin was devouring the body from the grill (personally I couldn’t do it), the mouth of the fish was left wide opened as a reaction to the loss of oxygen. I still remember vividly the horrified faces of the fish. In any case, this experience was quite unique but I’m still glad I got to see how life was like in Busan with the locals.
Saratoga/NYC, NY and Montreal, Canada
After my trip to South Korea, I was supposed to take some time off to stop by Japan to hang out with a friend I met during CRSSD fest but to my disappointment I had to fly straight away to New York for work again. This trip was rather unique because it’s where I met my crush there (blushing). But nothing surprising it’s just a crush and nothing more and you’ll read more about this Dutchie later 😉 Besides, work was very interesting there and the weather was ruthlessly cold with above the knee level of snow. Time working there was passing by so quickly as my best friend Mark (we work together) was also on site for work and we got to hang out a bunch.
In Albany we had Tanpopo Jakarta ramen. If you are curious about ramen, head over to my blog on ramen critic around the globe @ramencraycray. We ate at Vintage House and had interesting fried oyster sandwiches at Albany Ale & Oyster. We also hung out quite a bit in Saratoga Springs where we visited the Historic Congress Park to sip on the spring water. Had drinks at this hispter jazz playing live music at Morrissey’s and dined at the Wine Bar.
During this trip, I took the opportunity to drive to cross the border and visit Montreal. I had to make a pit stop at this gentleman’s house located in the beautiful town of Saratoga Springs. I met this older writer named Paul on the plane (yes for many of you who know me, I meet a bunch of folks on the plane and it’s not hard trust me!). We discuss many topics among writing and blogging as well as feminism and life in Paris compared with New York. We promised to give each other feedback from his book titled “Learning the Learner” while he reads my blog, this one.
He kindly invited me over to his house for breakfast along with a tour at the Spring Street Gallery which was a converted church located in front of his house. I had an immense pleasure in meeting his amazing awe inspiring wife Barbara (@blglaser5150). She is the woman I aspire to become when I get more mature. She has accomplished so much to become financially independent, in raising her Korean adopted daughter and her work in Natural State Park conservation, and now is a philanthropist. I was more than glad to have the chance to meet people like them and to share our stories. I felt so empower to continue my pursuit in advancing technology and to become as independent as she is someday. I also wish to further contribute to society just how she does it.
Ok so, now let’s talk about Montreal shall we? The road was very beautiful on my way there all covered in snow and I can easily glimpse at the mountain ranges during my three hour long drive. I stayed at Le Saint Sulpice hotel that was simply scrumptious located in Old Town. As I stepped out into town, I was clearly experiencing a wardrobe malfunction; I wore my long white Korean coat with a pair of jeans, a jumper, a beanie, scarf, and a pair of leather gloves. Evidently I froze to death within 15 minutes of walk in the blazing -15C.
So I rushed to the nearest neighborhood bar at the pub le Saint-Elisabeth. I met a new friend at the bar named Francois who was kind to show me locals spots around the well-known avenue du Mont Royal and had delicious poutine. The next day, I met up with my cousin who I haven’t seen in about 20 years (long time!!!) to catch up. We walked through the underground pass to go to the mall just like how the Quebecois shop to avoid peaking your nose out into the cold. She offered me some of the best ice wines ever. I feel very grateful!
On my last weekend there, I was meeting up with an old friend and together drove to NYC passing through the Lincoln tunnel. That was a hell of a lot of fun with lots of dancing, some ramen, and a copious amount of drinks and sightseeing. Make sure to read more about this city here.
West Coast Road Trip (Joshua Tree Park, CA/LA, CA/Big Sur, CA/Big Basin Redwood Park, CA/SF, CA/Newport, OR/Seattle, WA/Mt Adams, WA/Corvallis, OR)
In May, our birthday month, my sister (@dithy_f) from Paris and I got into my white Golf and drove along the USA West Coast. One of the best road trips ever yet! Read more here for part 1. Part 2 filled with more stories should be coming around soon so stay tune. In this case, I’ll skip here to the next trip below…
San Elijo Beach, CA
One of the best perks I enjoy about living in San Diego is that the county is so vast in its surface area that driving 30 to 40 minutes along the coast from where I live seems like a travel destination even though it’s technically still San Diego. We were camping there together with this really awesome girl Jenny (@nurse_jenny) (I met at a party and she had all the gut to just ask for my number and befriended instantly) and my friend Stephen (from work) who was set to take a year off to travel the world. I had an amazing weekend there grilling sausages and I even had some fun creating a beach bum beauty tutorial that can be found on my Instagram stories.
Ensenada/Tijuana, Mexico
I love spontaneous impromptu trips like this in the summer. Mexican friend Guerardo invited me over to tag along on his weekend getaway trip to Mexico. Singing along Felices Los 4 and Dura omg! We took the Ruta del vino to visit and wine taste at L.A. Cetto. We brunched at Bodegas del Valle, a secret local spot. We later that night played dominos then poker getting drunk on some tequila Reposado. The next day, we were beach ready to get some tan at Playa Hermosa in Explanadas. Afterwards, we had some of the best margheritas at Bar Andaluz and the best tacos ever are found at the world renown Anthony Bourdain approved Sabina Restaurante. Later, on our way back to the US, we had to stop by Tijuana where we got a roof top drink at Cine Tonala and played games.
Tel Aviv, Israel
During the summer, I traveled to Tel Aviv for the first time to visit my friend Tom. I know many of you already know how I met Tom and how I ended up in Dresden in the winter of 2017 but just for the sake of sharing with everyone. On my way to Amsterdam from Minnesota, I think that was in the summer of 2017 I happen to sit next to this blue eye guy with a quirky smile on this face. I think he started the conversation with an ice breaker question. So tips to you guys, if you are happen to sit next to a stranger on the plane and would like to make new friends, don’t put your headphones on, smile, and ask whether your flight neighbor is heading back home or visiting. This ice breaker question always works for me 🙂 So as we talked and laughed throughout our 8 hour long trip. We exchanged our contact information but before that he managed to convince me to meet again either in Tel Aviv and/or Dresden for the winter holidays.
And in truth eventually, I ended up meeting him in both cities haha. I flew to Dresden in December of 2017 from Paris because (this is a true story haha) my sister was too busy to host me during the weekday and (sadly) she is also a type A woman so she made it clear that I was on my own. Then I simply phoned Tom to check his whereabouts then booked a ticket at the airport from CDG, took the metro to Orly then flew to Dresden straight away. I actually don’t recommend anyone to fly that much in a day (4 back to back flights) but I’m still glad I made it out there. I stayed at Tom’s friend’s Matthias (a German cutie), and we got to visit the beautiful city (old and new neighborhood), did some thrift shopping as I was travelling without proper winter gears (got as scarf and beanie), and even attended an opera. The museums there were very impressive and boy I love the Christmas market to grab some warm German sweet bread, some wurst, and a sip of the delicious gluhwein (even gluhbier).
Well, I’m digressing now sorry so back to Tel Aviv! Tom and I stayed at another of Tom’s friend’s apartment nearby the beach in Yaffa area. Hillel is such a smart and funny guy. He’s very thoughtful too! I recall how before I’d get up in the morning, a warm freshly baked pastry was awaiting for me on the kitchen counter. He was temporarily being a dog daddy to Indie so I lucked out in meeting them because I had so much fun hanging out with these mischief later in the Old City. This vibrant place is full of craft shops and art galleries, and stalls selling antiques and jewelry at the lively Jaffa Flea Market.
There are some Ottoman influences such as the Clock Tower. We walked around and spotted an outdoor venue filled with folks dancing on Arab music after crossing the Wishing Bridge. The area is also popular for its hip wine bars, creative Mediterranean dining and seafood restaurants near Jaffa Port. There is such a wide mix of culture and we got together for drinks at the Shaffa bar with Stefania, her bf and friend. Well, how I met Stefania was also on a plane ride from JFK to Tel Aviv haha. We sat next to each and became friends instantly. And so we just had to meet up in town!
Then Hillel wanted to take us to his favorite secret spot that offers a unique view over the Jaffa port but on the opposite side. Recall when I called Hillel and Indie the little pair of mischief well, to get to that safely guarded spot required illegal climbing over a fence then a wall hmmm the challenge came from having our little four legged Indie with us but we still proceeded with climbing with the adventurous dog friend. It was so worth it as we could catch a glimpse in the quiet night and only hearing the waves crashing on the rocks and just taking in the beautiful sights and being in the moment.
I have a few tips on Tel Aviv for you guys if you are interested, drop a comment below. I personally really enjoy going to the outdoor markets like the Carmel market where Tom and I met up with another of Tom’s friend named Roy. He had bought some delicious cheese and we improvised a French picnic with a bottle of red (of course!) and laid around in the neighborhood park, while dog petting.
I only stayed 4 days in Tel Aviv and wished to road trip to Jerusalem but due to the unbearable heat wave, I’ll postpone this trip to another time. So next on my way to Amsterdam, I had a quick overlay in Rome. Unfortunately I couldn’t hang out with my dear friend Rita but had (yes another) interesting encounter on the plane. An older Italian gentleman who is a professor in Chemistry and avid alternative renewable energy especially in clean gas was my neighbor. He had mistaken me as a model haha. But to his disappointment I had to break it to him that I was just an engineer.
We talked for a long while about renewable energy and the new tech trends. Once we landed in Fuimicino, he kindly offer to continue our conversations over at the lounge. I personally love to converse with passionate folks. Side note by the way, a handful of people either border patrol agents or people I bumped into during my flights tend to believe I’m some model. Can it be because of my leather jacket, my casual effortless airport style or is it? Regardless, I’m utterly flattered but (shrugging) would love to know why…
Amsterdam/Eindhoven/Heusden, The Netherlands
I arrived in Amsterdam to meet up with Silvana (@saisonlune) the birthday girl. She’s taken me to the north of Amsterdam so we took the ferry where we can sight the beautiful A’dam Toren from Centraal Station. We had a snack at FC Hyena where it has movie theater and great food. The décor is industrial but with lots of quirky colors. Afterwards, we headed next door to the Hotel de Goudfazant. This place used to be a car garage so don’t be surprised if you are dining next to cars inside the space.
The following day, I also got to meet Jessica from Daarboven and stroll around Amsterdam. We had a pit stopped at my fav Scandinavian shop Filippa K where I got a couple of essential garments (a nice cropped wool jacket and a pair of simple blue denim, read here).
We sipped on some fancy drinks at the Hoxtel lounge, grabbed ramen at Fou Fow Ramen then devour some explosive chocolate at the Michelin starred Duchess .
In Eindhoven, I always enjoy staying at my bestie Joffrey. I also took some time to say hi to Adri from Chanel. She created a new look for me and left with many goodies she gathered for me. In the afternoon, Jo organized a mini road trip to Heusden for a getaway. Walking around there was very relaxing to see the lashing green surrounding and the famous windmills. In the village we grabbed some red and some bread (I love Dutch breads). Later in the evening Jo and I met up with Yohann (our betstie) to grab an apero at his house.
Then we all met up with the other guys for Lepeltje Lepeltje, a food fest in Eindhoven with live music and yummy ice creams. Later than night we all hung out at our regular Irish pub Oshea’s where a few more people are set to come by. One person was the German cutie I was seeing on the date during lunch time at one of my fav brunch spot called Krok Madame. The other person was my Dutch crush and well needless to mention how melodramatic this all resulted and of course I’ve never intended anything as such to take place.
Chinon/Vendée Road Trip, France
It’s still summer and I was on my way to Paris now to get with my sister then we picked up my mom to go onto our yearly road trip. We stopped by the wine country region as always. I’ve notice my friends recently called me “Wine Privileged” and I am beginning to be more grateful from my upbringing and the fact that my parents’ house is located in one of the most amazing wine country region of France. And so we are in Chinon and visiting the Cave Monplaisirs.
The lady owner was formidable in presenting the wine selection with exquisite details of the terrain, the grapes provenance and mixes. This is how I get wine educated by going on a variety of wine tasting and having great conversations. She also kindly offered us an extra bottle (we had to keep it quiet on the gift haha) simply because she enjoyed sharing a great conversation too! We set up our picnic by the Loire river with great sight, a fresh summer breeze, and amazing wine paring (Les Picasses from 2016).
My sister and I rented a beautiful beach house in the Vendée region with a big pool by Saint-Jean-de-Mont beach. We had a lovely time with my mom swimming , BBQ, and just chilling in town. We did a bit of sightseeing but the best experience was going to the oysters’ market casually located in various parts of the roads there called le Délit. I believe to have found the best tasting oysters in my entire life! I stoke a conversation with the bar owner sharing with him my USA stories and then he pointed out that an LA designer was painting the walls of the place. Have a look as it’s pretty quirky. Another good time (yes it’s again about food) was going to Noirmoutier to bunch at Michelin starred or recommended restaurants like L’ilot Bleu. Next stop was a flower park (my mom is a lotus enthusiast) called the Parc Floral de la court d’Aron where we spent a day there having a little French picnic.
Paris, France
This city is always crazy and has the most fun parties. I hung out with the Parisian crew (a bunch of finance folks who prize on expensive champagne bottles. Yeah I know it’s just another life style) and caught up with Taler (@nomadicfille). We had ramen again but this time at Hokkaido.
The following day we went to the street food fest in Place République. Then, we headed towards the roof top at the Art et Métiers hotel. Needless to mention, there was a gorgeous view over the city of Light and the flashing Eiffel Tower but what caught my attention was this cutie sitting right next to me from another group of Parisians. We had a great conversation but I must be so naïve in too many ways, I didn’t realize he was a catch haha. But it’s all good we are friends on Instagram, does that count?
Los Angeles, CA
In September after getting back to San Diego, the following weekend I got on the road towards Vegas, the sin city. But I thought I’d stop by and say hi to my friend Alexie (if you don’t remember her, I had a post on LA here). We caught up over dinner, girls talk then the following day brunched at our favorite place in Abbott Kinney called Gjelina. A bit of window shopping but then it was time for me to get back on the road already.
Vegas/Valley of Fire Road trip, NV
Hanging out with Jo and catching up with his dad I haven’t seen in a couple of years was fun. In short, Fermont experience, losing money gambling, getting fancy drinks at the casino, and hiking in the heat of the Valley of Fire where we almost passed out. I recommend everyone who is passing by Vegas to go check out this out of the ordinary red-bricked landscape. It’s truly breath taking how arid the climate is but how the rock formations come together is pretty amazing.
Big Bear, CA
This road tripping to camping with Arash was in late September so it was indeed freezing cold. We were out of Vodka to keep us warm so in the process I lost my toes overnight for about 8 hours then recovered. The Castle Rock trail hike by Big Bear Lake was pretty intensive in climbing but the view we could catch on top was all worth it with a breathtaking forest views, rock structures, and a distant lake.
Lake Tahoe, CA
Next road trip was made during the thanksgiving holidays. It was very adventurous on the long drive there from San Diego to Lake Tahoe especially in the freezing night. Just had to pick up Massoud along the way in Orange County. As we approached the mountain ranges, we found out too tardily that the snow chains were undersized so we decided to simply deflate the tires in order to create more traction. (3 engineers getting together that’s how things go often!).
London, England
I haven’t been back since a couple of years ago so I was glad to stop by London in December and catching up with my dear Jackie (@passyjacqueline). What I retained the most from being there was experiencing Tinder dating together haha. I recall vividly on one of the bus rides in London City where Jackie and I were eye on out phones swiping left and occasionally right on the app then suddenly we heard 3 older gentlemen exclaiming right behind us “But you keep on swiping left!” hahaha I’ll omit the Brit accent but I couldn’t help than to crack up. It’s an observation that it seems everyone young and old men and women everywhere across the globe is searching for love though this dating tool.
I really enjoyed the low key local hangout (will do a map later if you are interested for I have some tips!) and art exhibits. We went to Blain Southern and checked out the “Between the lines” of Chiharu Shiota and the drawings of Jonas Burget. Indeed, I’d rather avoid doing tourist traps cos I just wanted to create memories being with my dear friend in the most humbling way. Some of the cool places I went to are Tonkotsu ramen, Oslo Hackney bar and club, Blighty Tottenham for brunch, Pop Brixton for the hispter hang out and drinks food hall style, Ace hotel in Shoreditch for a fancy drink at the lounge. For a nice walk I went to Borough market (my fav) and had tapas at Tapas Brindisa. Roof tops I went to Sushi Samba which offers a great view of the Gherkin. Lastly, Jaaguarshoes Collective is a local hang out for casual drinks.
Amsterdam/Eindhoven/The Hague, The Netherlands
Going to Holland is always about catching up with everyone. I also flew from London to Amsterdam as cheap as 37 euro that’s why I love travelling within Europe because of the ease of transport. I’m typically staying at Joffrey’s house in Eindhoven. We always cozy up on his velvet couch in the late evening watching our fav old French show Kaamelott. In the evening I had dinner with my old friend Alain who is half Dutch and half French. We checked out the new hot spot called Kazerne which had a lovely exhibit.
This time I was in Amsterdam meeting up with Jessica. We always have planned for me to go visit the museum where she works at but every time I’m arriving by train so late in the afternoon that I keep missing out. Bummer! However, we grabbed a local Thai food where there was probably 5 tables. It was so tiny but the food was good. We then intended to go for a quick shop to Filippa K (one of my fav shops) but it had already closed by 7 pm.
Next, we just continued strolling around what I find to be the romantic Amsterdam with the light exhibits on the canals. We grabbed some drinks at the Hoxton lounge (one of my fav places to go chill in Amsterdam), and then she insisted on grabbing another drink at a club I’ve never been to, which was ChinChin. There was a karaoke bar, restaurant, and club all in one place. I like catching the train back with her and just keep on conversing about life, our careers, blogging, shopping, personal style, and recently about our love life, dating, and relationships. Needless to mention how glad I am to have getting to know her.
The following day I caught an early train ride from Eindhoven to The Hague to grab brunch with the crew made of Kimberley, Silvana, and finally got to meet Sebastian. We chatted and laughed about everything at the local brunch names Bartine. It was good to see them all. Then afterwards, I had the honor to stroll around the Hague with Sebastian as my personal tour guide. He was showing me the old government buildings, describing the architectural styles, and the history behind them.
And it was already time to head back to Eindhoven to meet up for dinner with other friends. So the lovely Anne showed up with Joffrey. Unfortunately, my friend from work Sander (a Belge guy) and his wife couldn’t stay late into the evening as they have a little toddler to attend to so I only got to see them very briefly. The next day which was Saturday, Jo and I packed our bags, got into the car and set our GPS direction towards Paris to meet up with my sister for a late brunch.
Paris, France
Ahhh Paris is always my fav place in the world! Always crazy and fun at the same time with my lovely sis Britney and the Parisian crew. You probably may have noticed but I also avidly avoid tourristy areas there. I always prefer our local hang outs or discover new hot spots that most tourists are unaware of. We hung out in the newly trend food hall style La Félicita, had a bite and a few drinks then danced our night away.
We also celebrated New Year’s eve in our own terms. No rules nor tips to follow. We simply created our own way of having a great time. No overpriced club tickets bought online, no house party on our agenda. Remember that the best plan is no plan after all. We just walked up towards the Champs-Elysee then grabbed food and drinks at the Beer Station.
The area had been blocked off for the fire work show around the arc de Triomphe but we were located right at the edge of the landmark. Stayed warm, had food and cheering on red wine then champagne, watching the fireworks all in safety and warmth instead of mingling with the crowds on the Champs-Elysee avenue where it was counted that over 150,000 people attended the event. We took the party further towards Pigalle area at the Carmen club where we met the cutie barman Romeo who had a generous amount of dating advice to give away haha.
Unfortunately, I didn’t get much free time at hand to see the group of Paris girls (sorry! Next time for sure!) but got to do a quicky apero at Taler’s house. I got to meet her boyfriend, her cousin from the US, and her other friends. My sister later showed up too!
Tours, France
This was a truly special trip into the wine country of Loire Valley. Typically every time I visit my parents’ house in the Center of France, we’d stop by the neighboring area to go wine tasting and coming back home with boxes of a variety of wines. We are also very intimate with the wine makers of the region so it’s always a pleasure to say hi. But this time, I’d convinced my sister and our friend Aja to come along with me to visit the Tours region and meet up with Antoine at the Domaine de Cray.
It was a lovely wine tour into the sparkling white wine production, the famous Cremant de Loire, where he was showing us the art of riddling wine a la méthode Champenoise. He was showing up the assembly line with some level of automation for the first fermentation to take place where the natural sugar from the grapes are converted into alcohol and letting the carbon dioxide escape from the bottle and makes the base wine or the cuvée. It’s not usually very tasty as it is very acidic. Antoine showed us where these cuvée were stored in those large chambers and even had a sip of it together with the tuxedo cat who serves as great company. I recommend anyone to stop by this winery!
If you made it to read this line, well thanks for reading my stories. Let me know if you enjoy these narratives as much as I do or rather want tips for travel but either way don’t hesitate to drop a comment and I’ll look forward to your inputs.
  Best of 2018 Travel Hi everyone, I guess it's never too late to wish you all a wonderful happy new year!
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mtairyartgarage-blog · 5 years ago
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International Women’s Day: Celebrating Women & The Arts
We’re celebrating International Women’s Day at the Mt. Airy Art Garage – and some amazing local and citywide women artists have stepped up to make this happen. Choirs, poets, spoken word artists, musicians, filmmakers, dancers, actors, painters, media gurus, and more. Join us in celebration and conversation!
So, feel free to read on, check out the artists’ bios, and spread the word about this event. Tell your friends, family, and even that passerby on the street! Everyone is welcome. Buy your tickets now or at the door. $10 donation per event or $25 for the entire weekend.
Outloud! A Celebration of Female Voices Friday, March 8th, 7-10 pm
An opening kick-off celebration that will focus on some of Philadelphia’s finest music and poetry.
Featured Performers:  Anna Crusis Women’s Choir, TS Hawkins, Tamara Oakman, Victoria Peurifoy, Sister Cities Girlchoir, Yolanda Wisher, DJ Teriyaki, and Hannah Zaic!
Cocktail Reception Saturday, March 9th, 7-9 pm
Stop by, have a drink, chat, and see what we’re all about, here, at the Mt. Airy Art Garage.
Women In Media And The Arts—A Conversation Sunday, March 10th, 1-3 pm
An interactive conversation revolving around the past, present, and future of women in the arts.  All are encouraged to attend, share, and question.
Featured Speakers: Michele Freeman, Sharon Katz, Nathea Lee, Janet Mason, Arleen Olshan, Nadine Patterson, and Jeanette Woods.
Learn more about our guest artists below!
Anna Crusis Women’s Choir
Anna Crusis Women’s Choir is committed to musical excellence and social change, singing to celebrate the diversity of women’s lives and culture. Anna Crusis is the country’s longest running feminist choir. In her thirty-seven year history, Anna has sought to act as an agent of social change by empowering, challenging and uplifting audiences with music that inspires and transforms. Anna has grown from a choir founded to promote women’s music, giving gay and straight women a strong community where they could find their voice and live their feminist principles, to a premier performing arts group and an important advocate for change in the greater Philadelphia region. Anna Crusis is committed to reaching diverse audiences and supports the work of fellow community organizations by singing at benefits and fundraisers.
Anna Crusis continues to promote these ideals with an emphasis on music by, for and about women and their lives. The choir values diversity and inclusion in its membership, its audiences and its repertoire. While honoring their common ground, choir members work to respect and learn from each other, from their differences in sexual orientation, racial and cultural heritage, age, class and spiritual expression.
Anna Crusis is a charter member of the international organization GALA Choruses (Gay and Lesbian Association of Choruses), which fosters the continued artistic and organizational growth of its member choruses through festivals, workshops and ongoing networking and administrative support services.
Anna is currently under the direction of Miriam Davidson, Artistic Director.
Michelle Freeman
With an ongoing love for her native Philadelphia region, Michelle has been working in marketing and events since she was in high school. Promoting concerts and handling flyer distribution projects as a teen, she eventually headed to Drexel University and received a degree in Corporate Communications while simultaneously working to establish and grow non-profit organization, Campus Philly. She worked in various positions at Campus Philly where she produced Campus Philly College Day and served as Senior Manager for Events and Media Programs. More recently, Michelle has been operating her own agency, Witty Gritty Marketing & Events. Amongst other things, she has implemented marketing programs and hosted events for the City Reps Office, City Food Tours, Campus Philly, and Philly Swap. She serves as publisher for the online magazine, Flying Kite. Michelle is also committed to volunteering and serves as a board member at Girls Rock Philly, and Spiral Q Puppet Theater. Occasionally you can see her around town DJing under the name DJ Teriyaki.
Sharon Katz
South African musician and humanitarian, Sharon Katz founded The Peace Train—a tour of 150 musicians by train across South Africa—in 1992 to help Nelson Mandela end Apartheid and has continued spreading a message of peace and reconciliation through performances and workshops in festivals, colleges and concert halls around the world.
Her recordings include “Imbizo” on Billboard’s Highly Recommended list and Grammy nomination list for Best World Music Album; “Crystal Journey” featuring the original  500 voice choir; “Lerato” with the legendary Afro-jazz diva Dolly Rathebe; “Live in NYC with Special Guest Pete Seeger;” “Double Take” with South African divas Abigail Kubeka and Dolly Rathebe; and “Carnival!” with Sting, Elton John, Tina Turner and Madonna.  “When Voices Meet”, a full length documentary about The Peace Train, will be released in 2013.  Sharon Katz & The Peace Train use proceeds from their appearances for their humanitarian work in under-developed areas of South Africa and around the world including music therapy with orphans and communities affected by HIV/AIDS; feeding programs in impoverished areas; conflict resolution work in violence-torn regions; and building schools and community arts centers. Sharon Katz & The Peace Train, the heartbeat of world music, www.SharonKatz.com
TS Hawkins
TS Hawkins is an actor, internationally recognized author, performance poet, wedding Officiant & producer/host for her radio station. Hawkins is fresh off her mini tour titled Silent No More in which she wrote the text “Cartons of Ultrasounds” and infused various directors, mask makers and puppeteers on each leg of the tour. She is soon to release her 7th publication, The Hotel Haikus, during the second installment of the Authors Under 30 Book Tour. More information on her, visit www.tspoetics.com
Nathea Lee
Mt. Airy-based photographer, Nathea Lee launched her freelance photography business in the summer of 2009. Although her business focus is live performances and special events, with a special emphasis on jazz, she delights in capturing images that reflect the heart of her subject, from performers, families and streetscapes to nature and architecture. In 2011, she was invited to be part of the multimedia team for the 3HO organization’s 10-day Winter Solstice Celebration (Kundalini Yoga retreat). 2012 was a breakout year for the enterprising and artful photographer. To honor Jazz Appreciation Month, in April, Nathea set out on a LiveJazz Journey. She is seeing and shooting a different jazz show each week for a year. In addition, her work has been published in a growing list of cultural media, including Black Renaissance Noire, thINKing dance, Philly 360°, and Acoustic Levitation; and has been featured in the exhibitions, A Day in West Orange, This Music We Call Jazz: Giant Steps, and the Philly Street Sounds Collective’s Philadelphia Open Studio Tour (POST) exhibit at The Arts Garage in North Philadelphia. She has also photographed for SmartCEO magazine, The Mann Center for the Performing Arts, and others. Nathea has been managing director of Kùlú Mèlé African Dance and Drum Ensemble since October 2009. Founded in 1969 by Robert Crowder, Kùlú Mèlé is one of Philadelphia’s oldest and most well-regarded dance companies. The company’s mission is to preserve, present and build upon the dance and music of Africa and the African Diaspora.
Janet Mason
Janet Mason is an award winning writer of poetry, fiction, and creative nonfiction, whose literary commentary is regularly featured on “This Way Out,” an international LGBT radio syndicate based in Los Angeles and aired on more than 400 radio stations in the U.S. and abroad. Her chapbooks of poetry include When I Was Straight (Insight To Riot Press) and a woman alone (Cycladic Press). Her book, Tea Leaves: a memoir of mothers and daughters was published by Bella Books in 2012 was chosen by the American Library Association to be on its 2013 Over the Rainbow List of notable LGBT books. She is currently at work on a novel.  You can visit her at www.amusejanetmason.com
Tamara Oakman
Tamara Oakman’s poetry and fiction has appeared online and in print in such magazines as Painted Bride Quarterly, Philadelphia Stories and Best of Anthology, Mad Poets Review, Fox Chase Review, Certain Circuits Magazine, Many Mountains Moving, et al., with upcoming fiction in The Feminist Wire. She has awards in poetry, fiction, non-fiction, and drama, recently winning the Philadelphia Writer’s Conference memoir contest (2012). She has an MA in English and is completing her MA in Humanities from Arcadia University. She studied poet Anne Sexton at the Howard Gotlieb Archival Research Center in Boston, lived in the poet’s space, and interviewed friends and colleagues—including Maxine Kumin—culminating in a 40-page research article blended with an explicative analysis of Sexton’s poetry. She has lectured on Sexton’s work. She judged the Hidden River Arts fiction and drama contest; the Montgomery County Poet Laureate contest (2012), and is currently judging a fiction and poetry contest for Ursinis College’s Dolman Prize (2013). She is cofounder and executive editor of APIARY Magazine. Come see what the buZZZ is all about!! Find ALL 5 Apiary’s in FULL and MORE at www.apiarymagazine.com.
Arleen Olshan
Arleen Olshan, visual artist and handcrafter of custom leather goods, is Cofounder of the Mt. Airy Art Garage. Arleen looks forward to the celebration of International Women’s Day every year. “It means a great deal to me that on March 8, all over the world, women are being recognized for their accomplishments and the struggles they face to self actualize.”
For over 40 years, Arleen has been an activist in the LGBTQ and Feminist communities. She has held numerous positions such as Co-Coordinator of the first Gay & Lesbian Community Center of Philadelphia, Co-Owner of Giovanni’s Room, Officer on the Steering Committee of Philadelphia Focuses on Women in the Visual Arts, and Art Director at the YWCA of Germantown. She has worked in the HIV/AIDS community and with women in recovery from drug and alcohol addiction.
For the past three years Arleen has worked at building her dream of the Mt. Airy Art Garage through outreach to practicing artists in the Northwest, community residents, and organizations in the area. Now that 90% of the buildout is complete, Arleen is working in her studio on her leather goods and has returned to drawing and painting.  You can find her work at www.arleenolshan.com.
Nadine Patterson
Ms. Patterson is an award winning independent producer/director. Her training in theatre, immersion in documentary film, and intense study of world cinema enable her to create works grounded in historical contexts, with a unique visual palette. Over the past 20 years, she has taught video production at West Chester University, Temple University, Arcadia University, Drexel University, University of Western Sydney (Australia) and Scribe Video Center. She was the only filmmaker selected for The Biennial 2000 at the African American Museum in Philadelphia. Some of her films include:  “I Used to Teach English,” Winner Gold Apple Award 1994 National Educational Film/Video Festival, Oakland, CA; “Anna Russell Jones: Praisesong for a Pioneering Spirit,” Best Documentary 1993 African American Women in the Arts Film/Video Competition, Chicago, IL; “Moving with the Dreaming,” Prized Pieces award from the National Black Programming Consortium in 1997; “Todo El Mundo Dance!” selected for the 2001-2002 Council on Foundations Film and Video Festival. Other notable works include: “Shizue,” screened at the Museum of Modern Art, New York in 1991; and “Release” shown at the Constellation Change Dance Film Festival of London in 2006. She completed her second masters at the London Film School.
She received funding for her film work from The Philadelphia Foundation, The National Black Programming Consortium, The Bartol Foundation, and The Pennsylvania Council on the Arts. In 2010 she received a visual arts fellowship from the Independence Foundation. In 2011 along with Ain Gordon and the Painted Bride Art Center she received a grant from the Pew Philadelphia Theater Initiative for the creation of a new work about forgotten historical places in Philadelphia. For the third year Ms. Patterson curated the Trenton International Film Festival in November 2012. She completed two milestones in 2011 by publishing her first book Always Emerging and by completing principal photography on Tango Macbeth, her first feature film as director. Tango Macbeth was featured in three film festivals in 2012 and will be on tour to New York, Chicago, Washington D.C. and Paris with the African Diaspora International Film Festival in 2013.
Victoria Huggins Peurifoy
Victoria Huggins Puerifoy is an author, Poet, Spoken word artist, Storyteller, writer, biographer, photographer, consultant, facilitator, voice talent, Narrator, and Public Speaker. She is a member of White Rock Baptist Church.
She is a self published author with seven books, three chapbooks, and two CDs to her credit.  Her latest book Let the Axiom Speak and God’s Calling were recently released. She has a Liberal Arts Degree from Community College and has attended creative writing courses and workshops around the city.  She is the facilitator for the Poetry and Discussion group at the Center in the Park Senior Citizen Center. Victoria also writes autobiographies for senior citizens.  Her latest book is about a 92 year-old woman who commissioned her as a ghost writer. That book is called I have not lived in vain. She is currently working on an Anthology with the poets from this group. Victoria has gained popularity around Philadelphia, North and South Jersey, Baltimore, and in Delaware; for what she brings to the table provokes thought.   Victoria has performed at the October Galley’s Poetry Night, The Art of Conversation, the Black Writer’s Museum’s Poetry Marathon and Story Telling Saturdays, The Ethical Society, Germantown Poetry Festival in Vernon Park, and Freedom Theatre – just to name a few. Her poetry and photography have been exhibited at the Thomas Jefferson University Hospital’s Kimmel Cancer Center. She is a regular at the First Presbyterian Church of Germantown’s – Bread and Cup Café, Poetify–Poetry to Edify, Coffee After Dark, and Panoramic Poetry – Uptown, which is hosted by October Gallery.  Recently, she was featured in WHYY’s online newspaper and subsequently was Interviewed and Featured on ExposureNation.Com which is an Online radio show. “Mother’s In Charge” had Victoria to speak at a Writing Workshop for young women in crisis. The Baptist Congress for Christian Education commissioned her to conduct workshops for children who were competing for a poetry contest.
As mentioned earlier, photography is another one of her passions and she is frequently commissioned to provide photography services.  As a biographer, she is commissioned to help senior citizens write their life story.
As a member of the White Rock Baptist Church she is an active member. She sings on the Church Chapel choir, is an Announcement Clerk, and a Member of the Good Shepherd Circle. Recently, she has taken on the role of secretary to The Malawi Missions, which is a new effort at her church, who is partnering with two other churches. She is a widow and has three adult children and three grandchildren with one on the way.
Sister Cities Girlchoir
Sister Cities Girlchoir is the choral training academy that invests in the unique potential of at-risk girls to transform Philadelphia and Camden. In their pilot year, the Girlchoir operates weekly during after-school hours to build resilience and connection through musical study. SCG is modeled after El Sistema, Venezuela’s monumental music and social change program. For more information on these amazing kids visit www.sistercitiesgirlchoir.org.
Yolanda Wisher
Yolanda Wisher, a poet and educator, serves as Director of Art Education for the City of Philadelphia Mural Arts Program. Wisher received a B.A. in English and Black Studies from Lafayette College and M.A. in Creative Writing/Poetry from Temple University. At the age of 23, she was named the first Montgomery County Poet Laureate.  A former English teacher and radio host, Wisher is a Cave Canem Fellow and Leeway Foundation Art and Change Award recipient. Her poems have been published in Fence, Ploughshares, The Philadelphia Inquirer, and in the anthologies Gathering Ground, The Ringing Ear, and Lavanderia. From 2006-2010, Wisher was the chief architect of the Germantown Poetry Festival, a neighborhood event in Philadelphia which showcased the talents of youth and locally and nationally known poets.
Jeanette Woods
Jeanette Woods is the Community Media Editor for NewsWorks.  She trains community groups and individuals in multimedia news gathering. She also develops partnerships with community-based content creators in order to feature their work on NewsWorks.org and NewsWorks Tonight.  Woods joined the NewsWorks project in 2011.
Jeanette’s  career has encompassed writing, reporting, field production, archival research, database design, online interface design and photo editing.  Her production credits include WGBH-TV, Blackside, Inc. and National Geographic Channel.  Here audio work has been featured on WAMU, Marketplace and  WHYY.
Hannah Zaic
Hannah Zaic is a multi-talented, one of a kind pop artist based out of Philadelphia, PA. The daughter of a blues guitarist and poet, she was literally born to write and perform. Growing up in such an artistic atmosphere exposed her to many genres and artists which would later help her to develop the difficult-to-define style she is known for. At a young age her ambitions became apparent when she started an all female singing group at 10 and then fronted her first rock group at 15.
In 2009 Ms. Zaic left New Jersey seeking to join the thriving music scene in Philadelphia. It was there that she would form her backing band, The Damaged Goods. Within the year she was playing some of the area’s most prestigious stages and getting noticed by various media outlets in the tri-state area. But it wasn’t long before she would establish herself as a fixture on the singer-songwriter circuit throughout the Northeast. Her music, which can be described as pop with elements of the blues and rock, tells stories through carefully crafted lyrics and rich melody lines. On stage, she consistently delivers dynamic stage shows, drawing her audiences in and involving them in each performance. As a vocalist, Hannah manages to combine her soulful vocal skills, which have been likened to Sara Bareilles and angelic tone with a playful indie edge reminiscent of a young Aimee Mann.
Her debut album, [something clever] is due out in early 2013. For more information on Hannah Zaic and The Damaged Goods go to, www.HannahZaic.com, find her on Facebook through Hannah Zaic and the Damaged Goods or follow her on Twitter @ www.Twitter.com/HannahZaic.
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Andrea Schmitz
Motion Graphics Designer/Animator www.andreaschmitzzz.com New York City Age 27 She/Her
How did you get your start in motion design, animation, or whatever it is that you do?
I originally wanted to be a writer, and I faithfully wrote buckets of fanfiction and short stories up until the end of high school. I had actually planned on going to college for creative writing, but I was afraid of job prospects for fiction writing, and ended up going to Northwestern for film instead. Once I was there, it was clear to me that I hated film. For the first two years I felt like I was wasting time and money because I wasn’t learning anything that felt practical or interesting to me. It was also freezing in Chicago, and I quickly discovered that I hated filming on set (and I hated that most of the other film students only wanted to talk about film). Then, in 2012, I took the only animation class on campus, which taught puppeted character animation in AfterEffects. I was good at it, and it was fun, and so I decided to do that for the rest of my time there, along with sound design (because you could do both from a warm, snug bed).
I was one of three students interested in animation in my year, and one of three women killing it in sound design. I spent my time at school working project to project, designing opening credits for other film students’ web series, making a short animations for class, and sound designing other people’s short films. I tried to learn something new with each project, and eventually I worked with the animation teacher on an explainer series as an independent study in my third year. I also had two unpaid internships – one in Santa Monica making background screens for a 3D kids show, and one in my hometown of Little Rock where I did not do much actual work, but my supervisor gave me access to his Animation Mentor account so I could take some lessons. 
In my last year at Northwestern I was terrified that I was nowhere near ready for a job in motion graphics or animation, and I didn’t want to do another four years of school. Over my senior year winter break, I showed a former Disney/Nickelodeon animator who had recently moved to my hometown one of my old sketchbooks that I had on hand at the time, and he told me that I was four years behind everyone graduating from an art school that year. I went back to my car and cried. I had been trying so hard to make something from the limited resources for animation at my school, and I still had so far to go. I made a plan to do everything I could to make up that time as quickly as possible. 
This feedback triggered 3 years of panic-fueled creativity that I still have mixed feelings about because, although it kickstarted a creative growth spurt, it came from a place of fear, which affected the quality of the work. I took five classes that fall, blindly guessing pre-production for an animated short that I did not end up making in an independent study. Northwestern did not provide a 3D class, so I took the train once a week an hour south to take night classes in Maya at Columbia College on top of my regular workload (not for credit, because taking this six classes wouldn’t have been allowed by the school). Near the end of the year, I frantically applied to any and all jobs listed online, figuring that I would crash-course learn whatever I needed to and move wherever I had to to work. By the time school was ending, I had no job offers, but I had found a grad program that put equal emphasis on writing and art that felt just so me.
Two months before I graduated Northwestern, I applied and got into the MFA Visual Narrative program at the School of Visual Arts in NYC. I left NU three weeks later to start the program, and flew back every weekend to wrap up classes, graduate, and move out. The MFAVN program functions as an on-campus high-volume program for June and July every summer for 3 summers, but is an online course during the 2 years in between, so you can attend grad school and hold down a job in another state at the same time. 
After leaving the first summer, I moved to Austin, and shortly after got a job making graphics for standardized tests. I couldn’t keep any work from this job for my portfolio since all of it was confidential, so sometimes it felt like I was making art all day and throwing it into a hole, but I learned vector illustration from that job. The next year, I moved to NYC for thesis year in order to be closer to the school and its resources, and worked 9am-2am every day for 6 months on a 10-minute frame by frame animation. By the time I left the MFAVN program I had three 5-10 minute animated shorts under my belt ( x, y, z ), but remained anxious about their quality because I had rushed all of them. I would try to fit huge concept projects into a tiny timeframe and overextended myself to reach my own goals. It took me a long time to physically and mentally recover after thesis, and the scale of the production did not achieve equal scale success. I learned a lot, but it took me a year to want to draw anything again.
It took me four months to find a job after graduating. I applied constantly – hours and hours each day searching and applying to anything that remotely sounded like what I did. I made short motion experiments in the meantime, and took CE classes at SVA. I ended up getting my first job – a paid internship – through networking on the Motion Design Slack. It was an internship with a pharmaceutical marketing company. I worked there for 6 months until it became clear they would not hire me full-time and I was very overextended. I got my next job, again, by talking to other motion designers, at New York Magazine as a motion designer. I had the opposite problem there, where I was free to do what I wanted when it came to explainer design, but I rarely had fully animated projects to work on, and had a lot of downtime. I made a lot of side projects during that time. A few months ago, after a year and a half at NYM, I got my latest job at Insider, where I do more character work than at any previous job and have similarly free reign over my explainer designs.
It’s only in the past two years that I’ve felt safe and secure enough to let the panic-fueled mania subside and start to focus on what I really want out of my career. I’ve started writing again, and exploring ways to introduce story back into my work. Although the ‘advice’ that I was four years behind lit a fire under my ass to work as hard as I possibly could to become a professional in the shortest amount of time, my work definitely suffered for it, and I think a positive reinforcement would have left me with a better mindset. Maybe then it would not have taken me so long to start thinking about what I really want out of my career. 
State your privilege – What circumstances may have helped or hindered you along the way? I come from a privileged background. I am very lucky to have two extremely supportive parents, and they encouraged me to go to whatever school I wanted and pursue whatever career I wanted as long as I could make it work. They paid for both schools, and I had no loans. After I graduated, I lived off of leftover college savings money until I made my own income. Financial security and unwavering trust, love, and encouragement from my family gave me the time and safety to discover what I wanted to do and the means with which to learn it.
What are some best practices you use today?
I diversify the projects I invest my time in. If I animate all day at work, I’ll read or write or draw on the train, and bake or write at home. I’ll always have several projects going on at once, but I delegate them to specific times and places that work around my schedule. This way when I work on them it doesn’t necessarily feel like work, because rather than a constant slog, each task feels fresher and easier to jump into.
How do you define success? What would success look like for you? My primary goal in life is to write and publish a book, and then to sit on the floor of a Barnes and Noble and read the book without buying it. It would make 12-year-old me proud, and that’s the only standard I hold myself to. 
Success in motion graphics to me is making a living and having enough time to comfortably make my personal projects on the side. Creating and animating stories is fun for me, but motion design is the job. I really want get into developing more narrative fiction animated work, but that’s going to be a long journey to make that a job.
How do you balance your work with your personal life? How do the two influence each other?
My boyfriend used to work odd hours, and now he goes to school in the evenings, and that’s greatly influenced my schedule. I try to get work done while he’s out of the house, and that way I can try to put my work down whenever he gets home so we can spend some time together. 
How have you learned to practice self-care? What do you do to take care of yourself? I’ve been trying to go on more walks to break up the work day at my fulltime job. I try to stretch my neck, hips, back, and and knees as often as I can (IT’S NEVER TOO EARLY TO START STRETCHING). I got an ergonomic mouse that changed my life. I try to take long breaks between the freelance projects I take on on the side. When I have a project assignment, I often feel like I have to get it done IMMEDIATELY, and will push myself into working long hours at nights and weekends to achieve that. If this is the way I’m going to keep working, the compromise is that I’m teaching myself that it’s ok to say no, and to not respond to the person looking for animation help that I am perfect for if I am not 100% up to it. I didn’t draw for about a year after I made my thesis film – I know now I need time to recharge.
What advice do you have for those just starting out?
Talk to people! I’ve learned so much from the women of the Motion Design Slack and the people of Punanimation! Make friends, let them know when you’re looking for a job! (Don’t make friends TO let them know you’re looking for a job, just make friends and hang out.) 
Make your projects! Don’t wait for validation! I wanted to make a short film post-grad but had no reason to make a short film, so I made Things Took a Turn so I’d have a reason to make a short film, and it held me accountable because then other people also had to make short films and I was in charge. Don’t do that exactly because that was an insane idea, but just know that you have the power to create opportunities for yourself!
Don’t panic! Make side projects because you want to, not because you feel like you’re competing against the world. Scale and volume can help you grow, but time and thought can help you stand out.
Find where nobody is doing the work and do the work! Aim to be different! If you think your work does not look like the work of someone else’s whom you admire, that’s okay. Lean into your differences! 
Explore other fields, you never know how different media could work together!
Avoid hero worship! Just because people make good art does not mean they would make a good mentor. Find your own standards and hold yourself to them.
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I am now 18 years old but have not yet gotten my driver's license because of the rate increase before I turned 18. I have had my learner's permit for 3 years and have a perfect driving record (no tickets or accidents). I do not own a car right now. So, I need to know if A) I need to be added to my parent's policy in order to drive their car once I get my license, and B) if so, how much more will the insurance be? I live in Florida.""
Car insurance question.?
OK, so I got my car insurance renewal to start on 16 May, and it went up from 40 a month to 60, for no gosh darned reason. Grrr. I know that the insurance has gone up a lot, and I think they blame the compensation claims for this, but up a THIRD! Jeeeeeez! Last year, it went up from 35 a month to 50 and I had a whinge down the phone at them, and they reduced it to 40 by changing the recovery a bit (I don't get help now unless I am more than a mile from home; but the chances are I would be when I broke down anyway, and even if I was half a mile away, I could walk back!) so I agreed to change that. So I rang them today and they said they can lower it a fiver because I am a 'loyal' customer, (so down to 55 a month.) Big deal! I am nearly 40, I passed my test 20 years ago, and I have been with them 10 years and NEVER made a claim, and yet they bump my premium by a third! I am like It's a LOT of dosh. Does this seem like a ludicrous leap to you? Has yours gone up a lot too? Does this sound like a high amount to pay? (55 to 60 a month.) Or reasonable for a 38 year old woman? It does include recovery in this quote, and the recovery is about 130. But 2 years ago, I was paying 35, and this year they are asking for 60 a month! I do like this insurance company and have my home insurance and pet insurance with them too, and don't want to leave, but a jump of a third!""
Why would an insurance company deny me coverage for not having central air and heating?
We wanted to switch from the local company we had been insuring our house with because their correspondance has always been very rude and they are very difficult to deal with to USAA who we do all of our banking, brokerage, car & boat insurance through and are very courteous and extremely easy to deal with. We were denied coverage because our home does not have central air or heating. We live in South Central Florida so a heating system would be an absolute waste of money (the wall unit in the Great Room and a space heater in the bedroom are more than sufficient to make the house hospitable in the few welcome days of winter cold enough to warrant their use). My wife and I both cannot stand Air Conditioning and would never use Central A/C other than the one or two times a year we would normally turn on our wall unit when it is too hot to bear and the windows and doors cannot be left open. Houses have existed for Milleniums prior to the invention of Central Climate Control and I am sure home insurance existed atleast a few decades before the invention of air conditioning. Why would not having central climate control be a disqualifying factor in getting home insurance coverage? I highly doubt that not having A/C or heat is going to make our house any more likely to be damaged or destroyed in a hurricane, robbed or flooded. Opening the windows and doors instead of having a HVAC system consistantly running in our house makes us less suseptable to fire.""
Online insurance - how to?
Hi.. im looking for information regarding online insurance and how one goes about it??
Whats the best agency to call to get homeowners insurance? single family cape cod style.?
Looking for good home insurance rates
Average cost for Motorbike insurance?
On average what do you think motorbike insurance would cost me? Im 17 and looking to get a 125CC motorbike. Please dont tell me to go onto sites and check because im not sure what bike im getting but it will be a 125CC.
Affordable insurance in NYC?
My parents need health insurance. They are 50 and 49 years old. Is there anything affordable that you would recommend?
What does insurance car mean?
I'm trying to purchase a car on craigslist and the add said it had to go through state patrol. I asked the seller what he meant, and he said insurance car . I still don't know what that means!""
Is a Ford KA cheap to insure?
I am a new driver, just passed my test ( im 17 ) and thinkin to buy a ford ka as a first car. Is it cheap to insure tho? Around how much? Thanks""
How much is it for insurance if its your a first time driver?
Im going to get a car on my sweet 16 but theres a catch. My mom and dad want me to pay for insurance. If your a first time driver how much will it cost annually for insurrance in Canada? Im not turning 16 for a little while but im just curious...
Can you be fined for owning an uninsured car? (California)?
Even if the car is not driven? And if it is registered?
Does planned parent hood accept health insurance?
does Planned parent hood accept health insurance ? if they do does anyone know if they will accept aetna health insurance?
Quick question about car insurance?
I would like to buy a car but the comprehensive insurance is going to be too expensive as I am a P-plater and inexperienced driver. The car is also too dear to place under 3rd party insurance only. I would like to put it under my parents insurance, but to put the car under my parents insurance, does that mean I will have to put the car under my fathers name when I actually buy and register the car at the RTA? Does my father also have to list me as frequent driver of the vehicle?""
Palo Alto California Cheap car insurance quotes zip 94301
Palo Alto California Cheap car insurance quotes zip 94301
""Life insurance is 750,000 enough for 3 kids ?""
is 750,000 enough to get three kids from age 1,3,5 through high school and college or do i need lots more""
""What is the punishment for a second offence of driving without insurance ,within a one year period?""
What is the punishment for a second offence of driving without insurance ,within a one year period?""
I'm looking for an affordable medical insurance for me and my husband. Any experiences or suggestions.?
The one I have thru my employer is not good, will like to shop around but don't know where.""
Life insurance for seniors?
does anybody know any good life insurance for seniors? i need to try and help my parents some life insurance
Does your car insurance go up if you had an accident falling asleep at the wheel?
I just had an accident where I fell asleep at the wheel and ran into a cement barrier, thank god no one was hurt and there was no destruction to public property, the cement barrier was just dandy. But I wanted to know if your insurance rate goes up if something like this happens. Aside from this I'm a good driver and the only other accident I had involved a drunk driver hitting my car.""
Car insurance question?
If I make a down payment of around a quarter of the car price ($4,500 for a $18,000 car) when I buy and also get comprehensive insurance on it. After two years if the car gets totaled- how much will I get from the insurance company?""
Which companies do temporary car insurance for under 21 year olds?
Everyone i find wants you to be over 21. Is there a company that give me temporary insurance? I am 18 years old Thanks
What is an Average Home insurance rate of a 2 story house?
4.5 baths 5 beds 3000 sq feet finished basement 3 decks 1 fenced in gorund pool Please, just and average for 1 month home insurace. No super valuables or anything. (It's for a project) I just can't find anything that won't just give me a chart or some thing. In class we had to make up an imaginary house and get all this different stuff for it. I've found everything,but home insurance rate without having to put in my personal info.""
""Confused about car insurance...stacked, unstacked??
i am looking up car insurance quotes online and for Uninsured Motorists Bodily Injury Option there is a stacked option and a unstacked option. Does anyone know what this means? What the diff is? This is for PA
What about insurance for 1st offense DUI's?
Geico quoted me with $2,000 for 6 months.....hiyaaahhh... I've heard about Freeway Insurance and then there are the strip-mall insurance companies. Are they legite ? thanks""
Getting insurance for another persons car?
I'll be getting a loan of my brother-in-laws car while he's away serving with the army for 6 months and I'm trying to find the most cost effective way(s) of me getting insured for it for that duration. At the moment I have my own car with insurance, for myself and my wife (insurance is in my name), and I effectively want to use a second car. Ideally I wouldn't want my brother-in-law to have to pay insurance while he's away.""
Do I need to be on the car insurance if I don't live in the house?
I get my license tomorow and my dad was planning on letting me use his car Friday. His insurance covers the driver of the car, but then other insurance policys are saying that I need to be under the insurance, if I am in the home. I don't live with him. So does he still need to add me to the insurance, since I don't live in the home?""
Scooter insurance for 16 year olds?
I turn 16 this year and wanna start riding a 50cc scooter. I found the one i want, i was wondering the rough cost of insurance on a 50cc moped for a 16 year old on a provisional license in the UK. Thanks Jamie Deeks""
Really high auto insurance rate question?
My son, who just turned 18, has a pretty extensive traffic record. Firstly he got a ticket for passing in a no passing, but he went on diversion and was clean for more than a year so is that off his record now? Secondly he has also been in 2 wrecks before, gotten arrested for possession of marijuana, and just today got a speeding ticket for going 63 in a 45(163 dollar ticket). currently the insurance for him is 190 a month which is five times higher than anybody in the family. So what should i expect the insurance to be now, and what are my options because this is a lot of money.""
Did sombody know how much is car insurance in hawaii state?
how much is auto insurance in hawaii state? medium monthly? for new car?
What is the difference between comprehensive and third party car insurance and which one is more beneficial?
What is the difference between comprehensive and third party car insurance and which one is better. I have a 2005 wagon r lxi and wants to renew the insurance which one should i opt for.?
Born abroad car insurance premiums higher?
I have been gathering quotes for car insurance online on confused and was delighted to see the price down at 615 for once as I have been getting car insurance every year since the age 18 and it has always been over 1000. However, just having a quick check over my details to make sure everything I had entered was correct and then I noticed I had ticked the resident from birth box. I was born in Spain as my mother went over there to work and then had me. I was born in 87 and she took me back home in 88 or 89 roughly. (She is a full British citizen born and raised in UK). As I have no contact with my father and I don't even remember being in Spain or nor can I even speak the language well, I feel fully British and also am regarded as a British citizen. My mum also registered me at a british consulate in april 88, just 6 months after I was born. So I put on the form that I became a resident in 1988. I then calculate the prices again and the insurance quotes shoot up with 955 being the cheapest and the rest going up to 1000. I then think back to all the years I have been paying the insurance and building up my no claims and being the perfect driver with no claims despite having to pay the shocking premiums that young people have to pay and this makes me absolutely livid that my insurance goes up by 340 to 400 based on the fact that I was born in Spain and spent 1 year of my life there and the rest of the 23 years as British Citizen raised here. I am just wondering if I could get away with just going ahead and saying that I was a resident from Birth as I have a baby on the way and really wish that my premiums were a reasonable ammount for once or I should go through it and just demand that they bring the premiums down to the 615 like originally quoted! It just makes me really annoyed that they can get away with this kind of stuff and I really don't like the fact that I am having to pay higher premiums just for the sake of it. Any advice on this?""
Car insurance problems?
so I have a little situation with my car insurance company, so heres the deal, I bought a car a wild ago, it was on my brothers name and I was cosigner, we had an nsurance and everything, but then it broke, I couldnt drive it, so we canceled insurance, why pay if it doesnt drive? then I refinanced it and transferred on my name, I didnt tell the bank that the car is broken, but they wanted me to show them proof of insurance, which I went out and bought, because Im going to trade this car in and get new one, and I have no problem paying for new car, but now insurance company wants me to send them a proof of previous insurance. what should I tell them, so my premium wouldnt go up? should I tell them that I just purchased the car? because technicly It went on my name recently. Im lost""
Will car insurance cost more if i fail my road test?
I just failed my G1 exit test, and I am wondering if this will affect my insurance once I do pass""
""What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""
What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""
Are insurance policies safe...?
I have a life insurance policy on myself that will hopefully take care of a minor. How safe is it now?
Can i put my car under my dads car insurance?
Okay so im 17 and getting a 1.1 litre care soon, my dad has no cars listed under his insurance but is a named driver on my mums car. Can i put my car under his insurance and sign the car as his in the log book and be a 2nd driver? how much extra will that cost a month ? hes been driving 27 year , thank you.""
Car Insurance Question... PLEASE HELP!?
My sister bumped another car when she was backing out, when the car saw her backing out but still went ahead and there was no damage. My sister, in a moment of insanity, gave the woman, who is an attorney, her insurance number and some other information. All she took from the woman was her name and email. Now we have a claim coming in. We have no idea what to do. She is still in college, and is under my parent's insurance. There was obviously nothing wrong with the car. My parents are beside themselves with worry, because the claim could mean anything from $50-$20,000. Words cannot explain my anger towards my sister's naivety in the human race. What can we do? We will know more about the claim tomorrow.""
What is the average Motorcycle insurance cost?
Not sure if these are necessary but 16 YO Female Probably Suzuki or Honda 2009 CRF Just estimate please. Don't tell me to call Progressive. If you have owned a motorcycle tell me what your price was. A good straight FWD answer. Thanks. Your source would be helpful too for Example- Motorcycle of 4 years Have a Harley
""Can Doctors offices charge you, when they lost your medical insurance card?""
I got my appendix removed in California and used the state insurance at the time (since I was low income and never had insurance). All the hospital bills are payed for; however, the surgeon has charged me an additional 1,445.00. I never even saw the surgeon after the hospital. I went in for follow-ups to his office but would always miss him. I gave my insurance card to front desk girl and she told me she didn't need it but just in case she made a copy. Now two years later I come to find out that there is this bill!!!???? What can I do?""
Palo Alto California Cheap car insurance quotes zip 94301
Palo Alto California Cheap car insurance quotes zip 94301
Do you have health insurance?
if, so, How much is it per month? How old are you? what kind of deductable do you have?? feel free to answer also if you do not have insurance.""
Audi Q5 2014 car insurance cost houston?
i just moved to Us , Houston and i am 32 year old male so i would like to buy a new Audi Q5 2.0T any idea how much the full insurance ? and is it good car Q5 2.0 T ? Thanks a lot""
What insurance company should i go with if I'am going to start driving at 17 with a sports car?
Hi, i'am receiving my license on August 31st and i turn 18 on September 23rd, ill be getting a 03-04 Nissan 350z coupe, i have no idea what company to go with or what price range to expect, my mom called GEICO, her current company and they said putting me on there with a Sports car such as the 350z would raise our payment about 5,000$ a YEAR! i dont know if this is true...or if my mom was lying to make me not get a sports car.. (she has tried to talk me out of it alot latley) What insurance provider has best rates for starting male drivers?""
How much more dose car insurance costs for teens than middle aged people and why?
How much more dose car insurance costs for teens than middle aged people and why?
Car insurance discounts for high school and college students?
What are ways in which high school and college students can get discounts. For example, I know that if you've taken a driver's course and have a B average (or something to that extent), you are qualified to get a certain percentage off of your car insurance. Can someone please clarify this information for me please? (Please don't list all of the determinants of insurance factors, like age of vehicle or type of vehicle. That's not what I'm asking for. ^^;) Thanks in advance. (I'm with Allstate!)""
What is a cheep insurance for an 18 year old guy?
Hi i am 18 an live with my parents.I live in Louisiana an have a little white Nissan.I was just wondering about how much would it cost me a mouth for car insurance and what insurance company would be the best to go to.Any information would be helpful thank you very much.
Would having 2 cars be the same insurance as 1 car?
I have a 09 dodge charger, which you will probably figure the insurance is higher than average. So I was thinking, If I buy another lower level car, for example, a dodge neon. keep in mind that I am the owner of both cars, and only I will be driving the cars. would the insurance be the same or even lower?""
I'm thinking about changing car insurance. Does Geico provide good customer service?
Their quote to me was amazingly cheap and that makes me a little nervous. You get what you pay for is what I have always heard. Anyone had their insurance through Geico? Good or bad experiences, please.""
Why is car insurance expensive?
So I'm looking at these insurance rates and im thinking all of this car insurance is a huge scam! Why do we need it?? And why is it sooo expensive for experienced drivers?
Can anyone tell me what finding a cheap car insurance company?
I am a 60 year old female. I live in the rural part of Mississippi (little traffic and no heavy traffic, if it matters) I have two cars that are insured with Geico Insurance company. I am paying $93 dollars per month. One car is a 95 and the others one is (new) a Hyundai 2012. I never drive the 95 Buick. I will be driving the new Hyundai to and from work around 7 miles round trip, each day. My driving record is clean with everything intact and I am the only driver. I was informed by Geico that the 94 dollars is cheaper than other insurance companies. Are there any cheaper insurance out there.""
Looking for supplemental health insurance?
my mom currenlty has health insurance through her job, but of course, the health insurance company does not pay for everything of which some of the things her doctors really thinks she needs. Are there any companies that offer resonable supplemental health insurance to help pay for copays, shots, medications, etc., that her current health provider wont pay for? Also, are there any that will accept pre exisiting conditions, or do you have to be perfectly healthy to be eligible. Please help............""
Cheapet Cars To Insure For A 18 Year Old?
i am 18 years old living at home, i have 1000 pound and i am looking for a cheap run around to get me to school and back,, does anyone know any cheap cars to insure tanks""
Cheap car insurance in uk?
i am looking for cheap car insurance, the problem being i am 25 past my test nearly 2 yrs ago, need to be fully comp, and own a citroen which is an 02. most insurance comps want 2000""
""You must have car insurance, question about that?""
Here in Utah, it is law that you must have car insurance. I'm wondering though, what if I borrow my father's car, and it is insured, but I am not an insured driver, how does this work? Is it fine as long as the car is insured? I might not be an insured driver but does that still fulfill the law? If not, why do people borrow cars all the time?""
Esurance Homeowners Insurance?
does anyone, or did anyone ever have Home owner's insurance from Esurance? is it any good? pros ? cons? Thanks.""
Am I covered on my dad's insurance?
I am 18, graduated from highschool, and leaving for the Marines in two months. I want to make a trip to Pensacola with some friends today. The only problem is the only way I can go is with my dad's truck. He is not letting me use it because he said I am not covered with insurance if I happen to get into a wreck. I have my own insurance for my truck and he has his own insurance for his own truck. So with me having my own insurance and his truck being covered with his insurance, if i got into a wreck or accident would my insurance cover me or how would that hole situation work out?""
Is there some sort of reason that Car Insurance costs so much more in Nevada than it does in California?
Im looking into moving, and I cannot help but notice that the quotes I am getting are, well, DOUBLE what I pay in California. Granted, I am a 23 year old male and have a decent driving record, it is kind of shocking to see liability only coverage quoted at $250/month for my two 8 and 12 year old cars, when Im paying $125/mo. as of now in California for the same 100/300 coverage. Can someone explain this? I have some friends that have moved to Las vegas, with the same shocking increase in premiums... (And yes, I need the 100/300 since I own a home)""
Dual Car Insurance trouble?
I had insurance through a company called Sunset Plaza Insurance, and only agreed to do a 6 month period (from 12/08 to 06/09). I moved during the time, and never received a renewal notice at my new address, even after I gave them my new address. However, I found out that for the past 6 months (06/09 - 12/09) they have been charging me for insurance. But I never signed a renewal consent or anything! I remember explicitly saying that I only wanted the insurance for a 6 month period too! What are my options? Please..any advice would help!""
""NJ auto insurance (NJCURE), anyone ever have any problems with them?""
The new insurance offered to NJ (because our rates are the highest in the nation), anyone ever use them or have any problems with them? Any advice I would appreciate.""
Range Rover Sport Car Insurcnce... Is 6k too much?
My mum and dad's combined cost of car insurance on their Range rover sport HSE TDV6 (2.7litre) is around 1200. My dad rang up his insurance broker to get a quote on putting me as a named driver, and we got a quote of a total of about 6,000 per year. I know this is a lot of money, however the insurance company says this is because the car is in bracket 19. I was led to believe by my Land Rover dealer that the TDV6 model was in group 14/15, where it was the Supercharged 4.4litre model which was in group 18/19. Is this quote too much for the model car specified? Given i am 20 years old, having held my lisence for around 3 years with no motoring convictions against my name, and having also been a named driver for the best part of 3 years on a Ford Focus. Is it about right? Or is it slightly higher than one would expect for the car. Many Thanks""
I reasonly got layied off need my wife is haven a baby need to know about insurance?
i got layied off from my job im a union worker in nyc and i have to work a certin amout of hours to keep my heath insurance going . my term ends in june my baby is do in july there for i will not be covered when the baby is do . does any one know what i can do for covrage i have aetna ? is there anyway i can extend my insurance ?
Minor accident no insurance ?
I got in a minor accident I'm 17 my dad has insurance but I'm not under that insurance the cop showed up and just told me I had court there was no injuries what am I facing ? My car got chipped the other car was only paint scratches
Expensive insurance. why?
I've never been in an accident or recieved a ticket before so why is my insurance so expensive. Yes I am male but I am 25 ... It should have become cheaper a while ago but I'm paying about 50$ more a month than all of my friends and some have the same company.. I have liabillity as well.. how much cheaper should your insurance be if you never been ticketed or been In a crash? Thanks.
""What are some good, low cost family health insurance plans for us...?""
My husband and I need health insurance. He is a full time student and I am full time worker. We cannot get decent health insurance through his school or my work. We are looking for a low deductable, 0% coinsurance, and we need something with great maternity coverage, since we're planning on starting a family soon. If you know of any great plans like this, please share! Thank you for your help!""
""USAA auto insurance 3,000 dollars a year for 2 cars?""
That's the quote I got and it's really ridiculously expensive. I'm in the US Army, I was expecting a rate cheaper than my current insurance, not 3 times more expensive. Is it like this for everyone? Maybe because I'm just in the DEP right now? I heard I could just get the insurance straight after DEPing in.""
Palo Alto California Cheap car insurance quotes zip 94301
Palo Alto California Cheap car insurance quotes zip 94301
Who has the best car insurance in NJ?
Who has the best car insurance in NJ?
Car insurance for teenagers?
Im 18 and I own a used car. Never a trouble maker. I have a part time job. I want to know what insurance I can get for my car that is affordable.
Where can i get affordable health insurance for someone with no kids?
Where can i get affordable health insurance for someone with no kids?
Cheapest car insurance for first time driver? I'm a girl?
I'm looking for insurance that is as cheap as possible. I'm a 17 year old girl who is currently having driving lessons.
Insurance for surgery?
how long after i get insurance can i get surgery? i dont have insurance yet but i am planning on getting one (ppo). i am planning on getting surgery and i know that insurance will cover it, i just dont know how long i have to have my insurance for?? are there any insurance rules i need to know. any insurance agent out there help plz!""
Can I claim through my car insurance without facing any penalities?
Can I claim through my car insurance without facing any penalities?
What will my insurance company do about my car?
Last night we had server thunderstorms. There was golf-ball sized hail for about five minutes. I was parked on top of the garage. My windows are fine, but there are dents all over my car and my right side-view mirror is broken. My car is still in my mother's name, and the insurance company is State Farm. My parents are on a cruise right now and are supposed to be getting back tomorrow. I also go to UT and out-of-state school. I've heard other people on campus are getting new cars from their companies and others are just getting windows replaced. I haven't talked to anyone yet since the car is not in my name. My car is a 2001 chevy caviler. I don't know any of the details of the insurance policy.""
""Which is generally cheaper to insure, Saturn or Neon (90's models)?""
I am looking at liability insurance, and I only have one point on my record, which may actually have dropped of now. Just generally which would be cheaper to insure.""
Best Health Insurance???
My husband and are getting health insurance...who's the best to go with?? We are looking at united health care right now...r they any good?
Cheap car insurance UK?
any tips to bring the price down? or any insurers going cheap atm? 24 yr old guy 1 yrs no claims citeron saxo desire 03 reg park it on a drive way
What are some sample average monthly health insurance payments for a 25-year-old male?
If that's not enough information, make any assumptions necessary.""
I got in to an accident will my insurance go up??
i live in canada i m 17 years old i m insured under my dads policy my dad only pays like 50 bucks per month because he never got into a accident for like 20 years and my insurance was same because i was the 2nd driver on the car but today i was backing up the call in the shopping malls parking lot and as i was backing it up i didnt really see back and on the sides properly so i hit the car from my back and their side i have like no damage on my car tat car got like few dents i m done with all the paper work collision center, police ,other party info, contacted my insurance etc but will my insurance go up now if yes how much i think their car will have damage up to 2500 and thats lil too much so how much will my insurance go up if i m paying 50 per month rite noe""
Best insurance?
Best insurance?
Car insurance groups 17/18 year old?
well im from London, 17 years old and will be 18 in about 1-2 months and i should have my full license by end of summer. I've been looking to buy a VW Golf 1.4 S mk4 as first car which is group insurance 4. I just checked on GoCompare for quotes but its giving me 6.5k per year for third party! WTF? and i tried on under my dad's policy quotes (frontin) and it only droped by about 250 quid... so about 6.25k. Why is it so high? do these prices sound right for group insurance 4?? i mean i know im young and i might give boy racer image to them but wow... if it doesn't sound right what am i doing wrong? what things does drop the quote? i put stuff like locked in garage an anything i could think of.""
Has anyone heard of Unitrin Direct Car Insurance. Yay or Nay?
I need to purchase car insurance right away. Their rates are pretty low. Any feedback would be appreciated.
How much do you pay for car insurance?
How much do you pay for car insurance?
Car insurance question?
If something happens to your car and it falls under comprehensive coverage, will your insurance premium go up after the incident?""
Cheap health insurance?
what is the cheapest health insurance in california? i am male 22, i do not smoke..""
Adding fiancee to insurance?
How far before the wedding should I start the paperwork to put my fiancee on my insurance?
Car insurance price?
any 17 year old drivers (males) wanna tell me the price of your car insurance? and the car you own? Cheers!
Whos got the cheapest auto rates on insurance right now?
Whos got the cheapest auto rates on insurance right now?
Cheap V8 cars to buy? (under $15k)?
I am looking to buy my first car in about April and I need something cheap to start with as I will be selling it for a better car once I make the money. I am going to start working after April so need a cheap car to get to work. I have always been interested in V8's because of the sound. I would like a 4 door too. What do you have in mind?
How much commercial car insurance does one have to have to deliver newspapers?
How much commercial car insurance does one have to have to deliver newspapers?
How can I get the lowest car insurance payment?
I am 25. I want to buy a cheap car with one way insurance. thanks a lot
Where can I add my name to health insurance waiting list and what are average waiting times?
In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""
Palo Alto California Cheap car insurance quotes zip 94301
Palo Alto California Cheap car insurance quotes zip 94301
https://www.linkedin.com/pulse/has-obama-improved-health-insurance-jose-warner/"
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What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?
"What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?
This is for my first car 17 year old. Thanks
BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 
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also how much do you think would cost? no tickets, no wrecks, nothing on my record. thanks!""
Motorbike Insurance 600cc ~ 1000cc?
Iam 24 years old ( will do the bike test later this year ) I would just like a rough figure on what would it cost the insurance for these bikes. CB 600 hornet HONDA CBR 1000 KAWASAKI Z1000 KAWASAKI ER 650 YAMAHA R1 YAMAHA R6 Iam asking because iam abroad and i cant do the quotes else i would not loose time asking If someone could be kind enough to help out just with a near figure iwould gladly apreciate the help.
My husband needs insurance where is the best place to get it that is affordable?
My husband smokes, he has been trying to quit but unsuccsessfully and I need to geth him some insurance. I'm teetering on the low income requirements, not if you take out taxes though and he has had some medical problems in the past but mainly mental health problems. I was gonna get him insurance through my work but it would cost me 273 a month and I simply do not have that much money, I don't know how anyone does. I can barely spare $100 a month can I find insurance for him for that amount and where, I live in Kansas.""
Can I apply for California Unemployment Insurance?
i was working two jobs, and part time permanent position, and a full time temp position. i was layed off of my part time permanent position. i am still working full time at my temp postition, but at times i don't work that position for a couple weeks at a time. can i apply for edd now so when i have those weeks off i can claim edd. or do i need to wait until i have those weeks off and then claim i was layed off from my permanent job?""
How old must you be to have classic car insurance?
is their any age you have to be for classic car insurance as i have been looking to buy a ford xr3i and i am 17
Add Car to Insurance for Just a Week?
Has anyone ever added a car to their insurance for just a week. The car is my parents and they have insurance under geico and I have insurance under progressive. We are going out of town and would like to borrow the car but to be on the safe side we would like to add it to the insurance for the time we are outta town. Any help would be greatly appreciated.
Are there different types of car insurance?
What are the different kinds?
Car insurance question?
My car was in an accident (not my fault, I wasn't in it and the time) when someone plowed into the back. All signs are indicating it's totaled. She and I have no-fault insurance. Here is my questions. 1. Do I talk to the police and insurance company? 2. Do I get any money/compensation from the accident? 3. Do I go after her insurance and Do I get anything from that? 4. Or do I reach a compromise with both parties? If anybody has anymore suggestion feel free. Thanks!!!""
Car insurance Expired?
My car insurance will expire 12:01 am Friday. I owe a past due balance and also....for me to renew the total would be 353.00..I don't have the money so im thinking about just letting it expire and going with someone else. Will that balance go into collections?
Learner car insurance?
I will be supervising a learner with a provisional licence, i have been driving for more then 5yrs and hold a full Uk license.. Do i have to have the car insurance in the learners name too?""
Car insurance car change?
I am struggling to pay my insurance so if I change my insurance to a cheaper car smaller engine will my insurance go down a month, and would I keep the same policy to get my nyc bonus as I'm half way through, and does anyone one in how much to change your car details to another car with admiral or cancel your insurance price with admiral""
""Hit and Run, no witnesses, lying to insurance?""
So, I was with my girlfriend and we parallel parked in a space which we soon realized was restricted. So she pulls out of the space, too close to the delivery truck in front of her, and side swipes it on the way out. We pull off to the side, see no damage to the truck, but a huge gash in the side of her car. We decide to leave, since the only damage is hers. The next morning, she goes to the body shop to get the damage assessed. They tell her it is going to be over $4000 to repair. She decides to file it with insurance, saying that she had left her car parked on the street, and found it this way, assuming it was a hit and run in the opposite direction. Had she asked me before doing this, I probably would have advised against lying about it, but she has. So, the insurance inspector is coming to assess the damage in the next few days. My question is, how rigorous are these inspections? Will these guys be able to look at a gash in the side of her car, and tell that it was inflicted by her sideswiping a truck, not the other way around?""
Totaled a Financed car Liability Insurance!?
Okay December 22 2012 I went to Eldorado Motor to Finance a nice car! I'm 18 had no credit but I held a job since I was 16! Anyways I got Approved! I picked out a Red 2001 Ford Focus! Its was 7, 000 butt after everything was said and done it all added up to like 10, 000! Anyways when I got the car I didn't know they wouldn't let me leave with the car unless I had insurance! So after I gave the $500 Down payment! They was like alright all we need is proof of insurance & sign some paper work and its mine! Well I only had like 600 bucks and 100 left after I gave the down payment...I told them I wouldn't be able to get insurance until next payday cause I was broke! They worked with me and said how much will it cost you for insurance? I told them it depends on if I needed Liability or full coverage! They said all you need is liability! I was in shook! I clarified like twice if I could get Liability? They said yes! So I called State Farm got a 220 quote and Eldorado Motor dropped my down payment to 300 and refunded me 200 So II paid for insurance! And was rolling! Butt I do remember asking what happens if I wreak? They told me they had a repair shop and all I would have to do is pay a 200 dollar deductible! And they would repair it and just tack the rest of the repairs on my car note! So fast forward like 4 months its April 12 2013 I was in a hurry Tailgating a Truck and finally this ttuck in front of me swerved into the next lane! I thought the Truck was getting outta my way so I could go ahead of him turms out he swerved around a turning car! And I couldn't stop in time and I rear ended the car turning!!! So the Truck drives off and I got out checked on everybody no one was hurt! But my car and the guy I hit the cars was Totaled I could tell by just looking at it! Anyways my Liability insurance covered the guy I hit but not me!!! So I called Eldorado Motor and told them everything now i've been without a car 4 a week and don't know what the car lot wants to do""
Do porches have the most insurance rate?
Do porches have the most insurance rate?
Cheap car insurance in CA?
I'm 19 and am looking to buy a 06/07 Cobalt SS coupe (non-supercharged) and am wondering what the cheapest insurance would be? Personal experience?
I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p Oh, and I DID get a ticket. I guess it's click it or ticket month in my town (lucky me). The ticket was $70.""
How much would short term auto insurance normally cost in new york?
say i have a bmw 530i im single, 35 years old, male and all my driver's license records are clean how much would it cost to insure the car for only one day?""
Can I cancel my motorcycle insurance?
Do I have to have insurance on my motorcycle (in IL) during the winter when I don't even ride it? Can't I just cancel it for the Winter and then start it up again in the Spring?
How to get a cheaper car insurance in new jersey?
i leased a car a year ago and allstate just add 500 dollars on my premium and actually my car insurance is way more expensive than my car note. although i have 2 points on my drivers licence but it has been almost two years now and since i havent had no moving violation. Am planning to take a online defensive driver class to remove them. Please let me know what should i do to lower my premium or where to go cause its killing my finance. i am living in new jersey.
CAR INSURANCE FOR FEMALES?
CAN ANYONE SUGGEST CHEAP CAR INSURANCE COMPANIES
Why is my insurance so expensive?
I am looking to buy an hyundai coupe 1.6 auto and I am wondering why all my insurance quotes are so expensive. These are my details. 18 years old 0 NCB Full Licence held for 8 months Only need up to 4000 miles a year car is worth 2000 Will use it for Leisure and commuting Only need Third Party Fire Theft Live in the South east, in east sussex I have been speaking to a few people who own these also and they are getting much cheaper quoted than I am getting and they need more than me like they have a 2 litre, 10,000 miles, newer model car like 2002, car is worth more. As an example a person I have been talking to is also 18 and he has got a 2002, 2 litre and his car is worth 6500 and he has a quote for 1000 and that is fully comp. This is a group 10 insurance car. I am 18, I am looking at a 1997 1.6 which is worth 2000 and my quote is 2400 from the same company and mine is a group 9 insurance. I can't seem to figure out why my quote is way above theirs.""
Looking for a health insurance coop in California.?
Anyone know of one not related to working at a company or for the government?
What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?
This is for my first car 17 year old. Thanks
Insurance Savings Plan?
What types of these are available at insurance companies?
Which car might be more on insurance for teens: A 1998-2002 Lexus ES300 or 2006 Jeep Commander?
Which car might be more on insurance for teens: A 1998-2002 Lexus ES300 or 2006 Jeep Commander?
Do people know the truth about insurance drops?
Why are 2% getting their insurance dropped, they don't meet the requirement of Affordable Care Act. Or in other words those insurance policies have worse coverage then Obamacare.""
Car insurance ireland?
hi there does any 1 know of any insurance companys in southern ireland who specalise in people who have been banned for drink driving
Car Insurance....Help?
Hiya!!! i am 17, jus passed my test, got pass plus aswell, am male and a full time student...does any cool dude out there no of any cheats on how to get the cheap car insurance coz for a 1.2 fiat punto costs me 2800 and i jus havnt got that money!!!! any help really would be appreciated :) :) :) thankssssss x""
""What are average prices for life, health, and auto insurance (any company)?""
I'm doing a project for school and what would an average price be for 2 people with just a regular car, like a honda or something, nothing fancy, for auto insurance. and for 2 healthy people for life insurance and health? i've website but you have to give all this info for a quote, but i'm just looking for an average froma ny companies.""
MA Small business required costs for insurance. To hard to find quotes.?
Making a pretend business plan for school and I cant find any prices that are needed for a graphic design business. What types of insurance would you recommend and whats the average costs? Thanks
Are young adults covered under their parents health insurance till 26 under the new Obama law?
Is it true that the new Obama law states that children/young adults will receive health insurance coverage until they are 26 even if they are not in school, married, and living out of ...show more""
Car Accident without Collision Insurance?
i was recently in a collision the other day. i was traveling straight with the right of way, and i was hit by a driver turning left into my lane to cross the intersection. i do not have collision on my car for it is a 99 grand am, and the damage is enough to total the vehicle. when the police arrived, they did not site the accident, however an officer mentioned it is clear what happened but in the hands of the insurance company'ss. i called liberty mutual, my company, and they told me to get into contact with the other drivers. i filled out the accident forms and sent them to the police and registry. her company told me that she had already filed a claim and that they would be in contact with me. i have no prior record of poor driving. no speeding tickets, no car accidents, i have a red light ticket that i appealed and won. is there anything i should be worried about? is my car going to be covered and if so how long does anappraisall take. i took photos of all the damage for records. 99 grand am, 138000 miles, just passed inspection thanks!""
Having a baby in Texas with no insurance.?
My friends husband died 10 days ago, he had a family insurance which now comes invalid tomorrow. What can she do, she has no money to pay insurance and is 7 months pregnant. Is there some sort of welfare or social help ? There is maybe a possible payout from 401k insurance and she could use that money but it may not arive in time.""
I dont understand how kids can afford a car and insurance?
for me it will take about a year to save up for a decent car, but the insurance is like 5000 a year, how could someone afford that, is there something im missing? and is it only like this where i live (ontario)?""
I have liability insurance on my vehicle...?
and early this morning as I was driving out of a parking structure I hit a light that I didn't see. I got out out of the vehicle to see any damages, there ware scratches on the front bumper, and the light appears to be fine but inside the light compartment, it was damaged, the bulb fell out of its place, the whole inside of the light was cracked. Will my insurance cover this? I tried calling my insurance and they're aren't answering. If they do, what do I do next? Go to a repairshop? Go to my insurance agent? WHAT?! If they won't, how much do you think it will cost to repair the light and the bumper? There are not dents, just scratches.""
""What would you do? Really want a baby, but afraid of losing insurance.?""
I know this is just for my husband and me to decide, but I'd like to hear what other people would do. We really want to have a baby (we've had two losses in the past). We've paid off our bills and have some savings for a house (we'd like to buy one in about 5 years). The only thing stopping us now is that his job can be unstable and, although we'll continue to be fine financially, I'm afraid of losing insurance. Would you take the risk?""
Dental Insurance question?
On my dental insurance card, I have a primary care dentist listed on it. Does this mean that I must go to this dentist in order to have the insurance pay for my appointments or can I go to any dentist that accepts my insurance without having to switch my primary care dentist and still receive the insurance benefits? Will the insurance cover less if I don't go to the primary care dentist? Thanks!""
The best insurance for mommy and baby?
Right now, Im about 5 weeks preggers and I have no insurance and Im not able to find a job since no one is hiring. I just been doing some babysitting jobs while my boyfriend works two jobs for the baby and me. What will be the best insurance for my baby and me? One that covers ultrasounds, doc appoinments and hospital bills? Help me please.""
How much is insurance per month?
Insurance for a car. I'm going to buy a used car for no more than $3000, for getting to and fro school. How much would insurance be? Is insurance where you take out a loan and pay back on it month by month, forever? Or can you cease it at anytime?""
How much will 1 point affect my car insurance???!?
I got a right turn violation about 8 months ago and i took traffic school so im assuming that my insurance won't penalize me. Now i got another ticket(stop sign violation), how much would you estimate the percentage of my insurance? I live in California btw and im 20 years old.""
Insurance when you die?
If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed""
Cheap car insurance in ohio for a 17 male not on parents insurance?
what would be the average amount for car insurance for a 17 male still in high school not on his parents car insurance. he really needs this car to get to and from college and he is mostly on his own im trying to help as much as i can so what would be a average amount for him knowing this Information. please help me
How much will i pay for health insurance?
im a 46 year old man
Individual Health Insurance / COBRA?
Why is COBRA considered better than individual health insurance plans? When I did some research,for almost the same kind of coverage but cheaper premiums, I could find individual health insurance plans.But I keep hearing that given an option, going for COBRA is the wiser decision. I don't understand what the catch could be in these individual plans. Any insight?""
Motorcycle insurance rate estimation?
I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""
Meeting deductibles on health insurance?
okay so i am looking at the blue cross blue shield family plan in texas and for us three it costs $164 a month with a $2500 deductibile and then they pay 80% of the costs. So my question is, what does the deductible mean? sorry i come from free healthcare in the UK so I'm not used to paying for medical insurance. How does one meet a $2500 deductible before the insurance company can start paying for the rest of the medical stuff?? Is it met by constant hospital visits? doc visits? constant lab and xray tests?""
A few questions about insurance and registration?
Hello - I'm about to purchase a motorcycle for the first time and would like a little information concerning a few things: (I don't believe this is really specific to motorcycles) -Can you get your insurance policy (Progressive, for example) to be completely paper-free and only deliver your statements by e-mail? -Does the address you send your registration have to match the one you live at? -Does the address you send your insurance information have to match the one you tell the insurance company you live at? Thanks!""
Where can I get a fair priced car insurance for a first time driver at the age of 17 and Male?
I'm just about to do my second test, I failed the first with only 4 minors but I misjudged a speed limit and got failed for dangerous driving when doing 40 in a 30. I've been looking at a Ford Fiesta 1.4 Zetec 16V that I would really enjoy to have except I can't find insurance anywhere cheaper than 2700 and I think it's ridiculous because I'm not a maniacal driver and I don't see why I should have to pay that much until proven that I will cause that sum of damage. Is there any way I can get a cheaper premium? It's really putting me off driving because the price is just absolutely horrendous. PS UK ONLY PLEASE""
What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?
This is for my first car 17 year old. Thanks
Home Insurance/Replacement Cost of Manufactured Home?
Is it normal for a manufactured home to have a lower replacement cost limit calculated from a cost estimator than a normal home?
Have you ever gotten a car insurance quote online in Illinois?
how easy was it to get the quote? was the process confusing at all? Did the site explain what coverages you needed and why you needed them?
""What is third party car insurance? Can I, with no insurance, drive someone else's car, if they have insurance?""
So heres the deal. I don't have car insurance, my friend does. He seems to think that because he has third party insurance , I am able to drive his cause because the third party insurance will cover me in case of an accident. I don't think he's correct but, I'm not entirely sure how it works. So, what is third party insurance? Can I, with no insurance, drive someones else's car, if they have insurance? If they have third party insurance? Is there anything at all, in any kind of insurance that would allow me to drive his car, without me having insurance - even though he has inurance? So I've said the same question 10 times but...can someone who is uninsured drive someones car, if the owner of that car is insured?""
How much does accutane cost without insurance?
Im planning on possibly going on accutane by january if my skin doesnt clear up.... i will buy the cheapest generic accutane i can find, But how much will it cost for bloodwork, dermatologist visits, the pills, etc...etc... i herd it could be pricy but personally i dont care i just want to get rid of this 5 year long acne.....""
Looking for supplemental health insurance?
my mom currenlty has health insurance through her job, but of course, the health insurance company does not pay for everything of which some of the things her doctors really thinks she needs. Are there any companies that offer resonable supplemental health insurance to help pay for copays, shots, medications, etc., that her current health provider wont pay for? Also, are there any that will accept pre exisiting conditions, or do you have to be perfectly healthy to be eligible. Please help............""
""Insurance company, can I ? Urgent?""
I had a traffic accident with a bus and I had surgery, my health insurance payed 70% of all treatment fees and I payed 30%. now I have right to a compensation from the bus' insurance company because it was the bus driver mistake. they asked me for all the receipts to calculate the total cost. now I wanna include the amount paid by my health insurance company, do I have the right to do that ? I would like also to know if the 2nd insurance company can contact the hospital in which I had surgery to ask who payed the surgery fee. can they do that with my ID / or would the hospital provide them the information. Thank you so much, I need to now as soon as possible.""
Homeowners Insurance Policy Rate increases $220?
I bought a home in 2006. Had a policy for $550.00. Next bill 200+ more (nothing in policy changed). switched company Got AAA policy $ 512.00 (same policy coverage) Next bill $734.00 - Only change here was $29 dollars for Earthquake and House is covered for 1,000 dollars more. (Keep in mind my house is less than $100,000 and in good shape for being 40-60yrs old) Is there some unwritten law that states after providing insurance to homeowners for 6 months you have the right to jack up the price $200 every year? Should I get new insurance company again? If so, what guarantees that they don't tack on an extra 200 like the last company. This pattern is discouraging at this rate I will run out of insurance companies before I pay off the house. My insurance is paid through an escrow account so taxes already went up and insurance goes up - Monthly Mortgage Payment goes way up! Something none of us need. Please offer any of your experiences and advice.""
Cheapest car insurance?
I'm fifteen, about to get my permit. But my parents are worried about the insurance cost when I get my license. What's the cheapest insurance? Also, I'm hearing impaired so would that effect the cost? I don't need a specially adapted car or anything. Would the insurance company knowing I'm hearing impaired help cover any fender-benders I may get in from not hearing something? Thanks for any info. Olivia""
How do I know if my auto insurance settlement offer is fair?
How do I know if my auto insurance settlement offer is fair?
Health Insurance- pre existing condition?
How do I find a health insurance company that will cover a pre exiting condition?
I wanna buy insurance for my car?
I wanna buy insurance for my car . In my postcode insurance is very expensive if i give a another postcode to insurance company car insurance is very cheap . Is this ok if i buy car insurance and give a another postcode to insurance company .....
Where can i get free insurance when buying my first car???
im looking to buy my first car, and was wondering if i would be able to get free years insurance from a local dealership, or is it only mainstream dealerships do that? im looking to spend 1000 on a car, but 2000 if i can get free insurance, how would i be able to get this? Im 17, if age takes any part in this, and living in britain.""
Car insurance in Trinidad?
What are some car insurance companys in Trinidad, Im moving there in Decemeber, and considering importing a BMW Z4 with me, but need to find out how much its gonna be to insure :o) Thanks guys. Also Im kinda assuming its not really safe enough to drive around with the Roof down?""
What is the best car for a teen to buy that has to pay insurence?
I want to get a 2005 Mustang V6 and have it under my parents name because I have to pay Car INSURANCE. Also What is the gas mileage like? PLease respond back to me ASAP Thank you
Does anyone know where i could get a car for my driving test? I need insurance as well. I am 16 years old?
I am going to go get my licence. I am 16 years old in California. The problem is, i don't have a car. Please don't ask me what i'm going to do with my licence if i dont have a car (it's a long story). I need a car i can take with me to do my road test. The DMV also needs proof of insurance. Please tell me where i could get a car and get the proof of insurance. Thanks!!!!!!!!""
I'm a teenager in need of cheap reliable car insurance.?
I work for myself and I don't want my parents to pay for insurance anymore. I want to know any cheaper insurance companies that will on minimal basis (pay for damage of other driver) of needed. I'm a student studying to become an esthetician and work part time. Thank you.
Who knows the cheapest insurance in jesey for a 19 year old dude?
hey, my pal wants to get an insurance for my car cuz i can't my self, (police reasons) we want an insurance with the lowest price, lowest of all, i don't even care if it covers me well or whatever cuz if something happens to the car i will just use the other, it is just to register it, i got 2 cars, they the same but only one of them is gonna be register, so if u know anything about insurance with a low price or not nessesary legally but that can let me register it let me know (chevy lumina 97)""
Insurance company for getting car out of compound?
I have full licence but need to get insurance company to cover to get car out of police compound
How much will my car insurance go up?
I got a ticket for speeding (66 mph in a 45 mph work zone). My ticket total is $438. I am trying to decide whether to get a laywer and fight it or just pay it off. Approximately how much with my auto insurance go up? Cost of lawyer? How many points will I get on my license? I am 22 years old living in North Carolina and have never had a ticket. Advice?
Auto Insurance agents in Tennessee... Does my 17 year old with a permit?
need to be listed on my policy? I have heard several different answers to this. Also, I've heard he has to be listed but the insurance company cannot rate him until he gets his license, therefore, they cannot charge me more for him. Any help is greatly appreciated.""
What color cars are cheaper to insure?
its bugging me lol. i would like to know what colors are considered aggressive like red,black ect. and what colors they wont rape you over. so a list of aggressive colors and a list of calm colors. thank you for your help!""
I have a question about insurance? Help please?
I just recently got my license, and I'm already listed under my mom's policy. (I'm going to be driving her car.) Anyway, the rate obviously went up because she added me to her policy. But they aren't going to charge her for it until next month. Even though I'm listed under the policy, would I have to wait until next month to drive? Because I haven't technically paid yet for my part of the insurance? Thank you!""
Why is car insurance so expensive?
I'm going in for my test in a few weeks and I'm looking to get just a cheap car to get me from a to b but prices are so ridiculous. I got a quote on a 106 3door 1litre engine the cheapest was just under 900 with a company iv never heard of and my dearest was 4600 with asda even though my beautys going to be sleeping in the garage:) why are they such ridiculous prices?
""Best Place for van insurance, young driver 24?""
I'm just wondering the where is the best place to look for cheap van insurance? I'm 24 and a carpenter by trade and I need to get my own van, something like a standard box ford transit.""
Your personal experiences with Progressive Auto insurance?
I just got a lease on a 2010 Honda Civic. Its the first car ever in my name and was a bit pricey for me b/c I don't have an extensive credit history. Progressive was the cheapest auto insurance I could find so I decided to try it. Any pros/cons you've experienced?
What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?
This is for my first car 17 year old. Thanks
What is the difference between whole and term life insurance?
Which one is better to provide for your families needs if something happed to you?
""2012, 17 Year Old Insurance?""
Looking to pass my test in Feb. (3rd) And all threads and posts I have looked at are from 2010 or something. Just wondering what the best sort of car is for my age and insurance provider and any tips to lower my premium as the lowest I have come out with was with elephant.co.uk at 2900, third party fire and theft on a citroen ax. Which is above my budget... Any Clues Anyone ? Thanks""
Coordination of Insurance Benefits?
Our health insurance company thinks we have more than one insurance and they are denying our claims. We only have insurance through my husband's company and don't understand how they thought we are trying to pull a fast one. How do we prove that we only have ONE insurance? Thanks!
Anyone know a good Renters Insurance Company ?
Live in an Apartment and I would like to purchase some Renters insurance to cover any damages that may happen. I want to make sure it's a good legit company and not some rinky dinky place. Thanks ahead of time for all your answers.
Statefarm locksmith coverages for auto insurance?
how much StateFarm reimburses for locksmith charges. I had to pay $139 for a locksmith to come and open my car. his service charge is 39.99 and $75 for opening car (tax and 10% credit card charge) it totalled to $139. now any of you has any idea how much StateFarm will reimburse me. Do agents play tricks to reimbruse less money. Any suggestions will be highly appreciated. Thank you
Car Insurance?
I'm 16 and I don't have a car, but am I covered with insurance on my parents cars automatically?""
How much information can car insurance companies see when you get a quote?
I let my car insurance lapse about a year ago and have been driving without it (I know, not good) and my girlfriends dad is an agent here in ohio. he asked to quote and i gave him my information... can he see that i dont have insurance? what about my credit report?""
Is it Ok to buy insurance for me and let other people buy the car?
It is cheap to buy me insurance, so I am just wondering if I can buy the insurance and let other people to drive the car.""
Car insurance help????????
i have a cousin who is 16 n has a license, i am going on a trip for couple of months, i am wondering if he could drive my car legally if it is insured under my name. just becuz is costs him like 200 bucks for month to have insurance. Is it the car or the driver who needs to have a insurance or does it differ by state, and my cousin lives in kentucky""
Good health insurance?
Looking for good affordable health insurance.
How do I get my insurance lower?
I am 20 years old, made one claim and coming up to 1 years no claims bonus, I am looking at a 3ltr GTO and i'm absolutley in love with it, the insurance is average 6.000. All I want to know is, what can I do to get the insurance down? as in, tricking the system, ive already tried using my mums name with me as a named driver and its the same price, what little things can I do to make the insurance as low as possible, please help.""
What is a cheap car insurance company in New Jersey?
I am only 20 yrs old.
""As a 16 year old male, how much will I pay for auto insurance?""
I am a 16 year old male (and I already know what statistics show, unfortunately), soon to be 17 years old in October. I will be paying auto insurance pretty soon and I am trying to get an estimate of how much I will be paying monthly/yearly. I obtain a 3.5 GPA and reside in Dayton, Ohio. My mother will be adding me to her insurance plan and I drive a 1999 Chevy Camaro (this is the car that will be insured, and thankfully it does not have a Z28 engine). I'm not sure whether or not the insurance agency will consider this a sports car either, so I'm pretty nervous! Please help me! Thank you!""
Where is the best place for cheap insurance for a 100cc scooter in northern ireland?
age 26, honda scv100 lead 2007""
Will a hemi engine effect my insurance rates??
* * Member since: November 06, 2006 * Total points: 606 (Level 2) * Points earned this week: * 10% Best answer * 171 answers SNIPES8 S Hemi engine insurance????? will the fact that i am considering a dodge ram 1500 with a hemi make a difference in the insurance cost if there wasnt a hemi engine under the hood, the truck is a 4wd dodge 1500 slt with the big engine, i am currently in a v6 4wd 2000 ford explorer, how much will the rates change??? im a 22 yr. old male.""
Backed into something. Will insurance rates go up?
Today I backed into something in my car. It did slight damage to the rear bumper but nothing else. Could I choose to file this through my Insurance, and would this make my rates go up? I'm 18. Thanks""
How does american car insurance compare with british car insurance?
why can young people in the states drive nice, big, expensive cars, and in england it so expensive, and we struggle to get insured in england at a resonable price. you watch tv and they drive range rovers, and in england we drive old cars where the insurance cost more than the car. by the way i'm 18 years old anyone able to enlighten me?""
How much does a california speeding ticket and no insurance will cost?
My friend jst bought a car from sacramento and i was driving it since it was manual he was jst learning and i was speeding in the freeway on a 70 went 86 and i got pulled over .. with no insurance since we were going to transfer hes old insurance in hes old car to this new one toyota xrs 06... how much will it cost me for the ticket and the no insurance please help me i have no idea what to do ?
When will Obama Care go into effect? Will I be able to get free health care?
My husband and I are currently uninsured. We can not afford health insurance right now. How little do you have to make to get free insurance. And If I have to purchase it, how much will it coast?""
Shouldn't Pres. Obama step up to the plate and tell them he just wants affordable insurance for all now?
Tell em to screw the lobbyists, so what if the health care lobbyists payed the House and Senate members over $500 million last year, I mean donated that much to them. They will have to wait, but people are dying now..""
Auto Insurance Price?
Does anyone have a rough estimate of how much my auto insurance would cost per year? I'm a 19 year old female purchasing a 2000 Toyota camry.
Do I need to insure my car before getting a temporary registration?
recently purchased a used car that DOES require emissions testing. In my state (CT) the DMV offers 10-day temp. registration for vehicles that need testing Do I need to insure this car before I'll be eligible for the 10-day registration? I'd prefer not to insure a car that won't pass emissions because I won't be able to drive it, and I refuse to wait in line at the DMV for hours just for answers on this questions (their website gave very few specifics)""
How much is car insurance?
I know it depends on a lot of things, but whenever I mention me getting my license, they have the same excuse over and over... So what's an idealistic amount for a young teen w/ 3.0+gpa and a sports car be? In california.""
Health Insurance for 18 going to 19 year old?
My boyfriend is currently 18 years old. In January he will turn 19. He has no health insurance.We live in Texas. He's currently working/has his own income but still lives in his grandma's home. He started working making roughly about 250-300 every week, this has however only been for half the year before he was only making minimum wage. Should he get insurance from where he works? Or can he qualify for Medicaid or something of that sort? How does insurance work when you move out also?? Who qualifies for Medicaid? How? We're honestly clueless about all this, and no one has given us information. I've tried doing online research but it's all confusing.. I was hoping someone would help me out. Anything will help. Thank you.""
""WHY the hell is motorcycle insurance SOO expensive in Ontario, Canada?""
I took identical information and filled out a progressive quote for both DETROIT and LOSANGELES and both are 2356 FULL coverage (im 16 years old with zzr600), While when i got a quote from TD Bank they said 6000$ what the f u c k my damn bike doesnt even cost that much got damn it.""
What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?
This is for my first car 17 year old. Thanks
https://www.linkedin.com/pulse/iuniversal-direct-insurance-quote-geoffrey-kent/"
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medicalnewsupdates · 4 years ago
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NY COVID latest: Tuesday, August 24, 2021
NEW YORK — Find the latest information on the COVID-19 pandemic in New York state and New York City, including data on positive cases and other indicators, and information from local officials.
NYC public school teachers, staff will be required to get vaccinated
All NYC public school teachers and staff (about 148,000 school employees — and contractors who work in schools) will be required to get vaccinated and have to get at least a first dose by Sept. 27. There will be no testing option.
Will COVID booster shot have the same side effects as the first two shots?
The Biden administration said Wednesday that COVID booster shots will soon be available, but how will the Sept. 20 rollout work, and what side effects should Americans expect?
Mayoral candidates, union leaders urge NYPD officers to get vaccinated, improve numbers
Less than half of uniformed and civilian personnel in the NYPD are vaccinated, according to new data, a sign of vaccine hesitancy within the department.
Lambda and B.1.621: New COVID variants could be the worst yet, doctor warns
At least two new COVID-19 variants have hit the United States and they could be worse than the delta variant in their infectiousness and ability to stand up to vaccines, according to a top medical authority.
COVID variants a worry even with 75% of adults in NYC receiving at least 1 dose of vaccine
New York State and New York City officials say about 75% of adults have received at least one vaccine shot. But, according to immunologist Dr. Purvi Parikh of NYU Langone Heath, the arrival of the delta variant means the 70% vaccination rare won’t bring about the end of COVID any time soon.
US health officials call for booster shots for all to battle COVID-19
U.S. health officials recommended all Americans get COVID-19 booster shots to shore up their protection amid the surging delta variant and evidence that the vaccines’ effectiveness is falling. The announcement was made on Aug. 18.
What is the lambda variant and how contagious is the strain of COVID-19?
Although delta remains the most prevalent variant, the lambda strain of COVID-19 is starting to emerge and there’s little known about it. According to the World Health Organization, lambda was first discovered in Peru last year. Since April, it’s been responsible for more than 80% of cases reported there.
BK business defies Key to NYC vaccine mandate
New York City’s vaccine mandate for restaurants, gyms and entertainment venues began on Aug. 17, but a business owner in Brooklyn says she won’t turn away unvaccinated customers.
NYC indoor vaccine mandate begins
New York City’s vaccine mandate, called the Key to NYC Pass, went into effect on Aug. 17. However, it will not be fully enforced until Sept. 13.
While not actually a vaccine passport as the name might imply, the plan is the first of its kind in the United States, Mayor Bill de Blasio said.
The plan requires vaccinations for all workers and customers at indoor dining, indoor fitness and indoor entertainment venues.
NYC COVID vaccine mandate: Who is responsible for enforcement?
Details about the implementation and enforcement of the city’s new vaccination requirement at restaurants, gyms, and theaters are still being worked out. However, one thing is certain: it will not be enforced by the NYPD.
August child tax credit payments issued: Here’s why yours might be delayed
The second installment of expanded child tax credits was issued Friday, Aug. 13, to millions of eligible families, but some payments will likely be delayed due to a technical glitch, the U.S. Department of Treasury said.
Schumer calls for federal crackdown on fake vaccine cards
The Senate’s top Democrat says federal law enforcement officials need to crack down on fake COVID-19 vaccination cards being sold online.
COVID claims more young victims as deaths climb yet again
The COVID-19 death toll has started soaring again as the delta variant tears through the nation’s unvaccinated population and fills up hospitals with patients, many of whom are younger than during earlier phases of the pandemic.
Concerts, outdoor events still risky as delta variant surges, experts say
Concerts and outdoor events are returning, and many are requiring proof of vaccination as part of new safety protocols designed to help prevent the transmission of COVID-19. But while experts say being outdoors is less risky in general, they continue to recommend additional precautions for those visiting crowded outdoor venues.
Biden weighs stiffer vaccine rules as delta variant spreads rapidly across US
When the pace of vaccinations in the U.S. first began to slow, President Joe Biden backed incentives like million-dollar cash lotteries if that’s what it took to get shots in arms. But as new COVID infections soar, he’s testing a tougher approach.
Who doesn’t need the COVID-19 vaccine?
It has been eight months since the first doses of the COVID-19 vaccine were administered to health care workers nationwide. Since then, the vaccine has become available to anyone over the age of 12. Experts explain the few instances in which a person would not qualify for, or should delay getting vaccinated.
Extra COVID shot OK’d for those with weak immune systems
The FDA has approved an extra, third dose of the Pfizer or Moderna COVID-19 vaccine for transplant recipients and others with severely weakened immune systems.
Diocese of Brooklyn announces mask mandate for schools
All students, staff and faculty at Brooklyn and Queens Catholic academies and Parish Schools will be required to wear masks beginning on the first day of class.
COVID vaccines would be required for military under new plan
Members of the U.S. military would be required to have the COVID-19 vaccine beginning Sept. 15, under a plan announced by the Pentagon and endorsed by President Joe Biden.
What to do if you lose your COVID-19 vaccine card
Don’t worry if you’ve lost your COVID-19 vaccine card, there are several ways you can get it replaced. No matter where you got your shots, getting a replacement card is possible.
NYC vaccine push for students
Aug. 9 was the last day NYC public school students can get their first COVID-19 vaccine dose in order to be fully vaccinated by first day of school on Sept. 13.
US teachers union president supports COVID vaccine mandate
The head of the American Federation of Teachers union said on Aug. 8 that she supports a vaccine mandate for educators.
“As a matter of personal conscience, I think that we need to be working with our employers — not opposing them on vaccine mandates,” AFT President Randi Weingarten said during an appearance on “Meet the Press” on Aug. 8. “The circumstances have changed. … It weighs really heavily on me that kids under 12 can’t get vaccinated.”
How do you know if you have the delta variant of COVID-19?
So you’ve tested positive for COVID – but which COVID exactly? Is there a way to tell if you have the highly transmissible delta variant? There is a way to tell, but there’s not really a way for you to tell.
COVID breakthrough cases: Is one vaccine better than others?
COVID-19 breakthrough cases are rising, and now people want to know which vaccine offers the best protection from the coronavirus.
COVID survivors, victims’ families march across Brooklyn Bridge in call for more resources
Survivors of COVID-19, family members of victims, health care workers and others marched across the Brooklyn Bridge on Aug. 7. The event was held in honor of the more than 616,000 lives lost to the virus in the United States and to bring more awareness to the issues a growing number of COVID survivors are dealing with.
Are kids more vulnerable to the delta variant of COVID-19?
Hospitals around the United States, especially in the South, are starting to fill back up again as the delta variant tears though the country. With previous waves of infection, we’ve been most worried about the elderly being vulnerable. Now, it’s younger people – even children – starting to show up in hospital beds.
US averaging 100,000 new COVID-19 infections a day as delta surges
The United States is now averaging 100,000 new COVID-19 infections a day, returning to a milestone last seen during the winter surge in yet another bleak reminder of how quickly the delta variant has spread through the country. The U.S. was averaging about 11,000 cases a day in late June. Now the number is 107,143.
50% of U.S. population is fully vaccinated, White House says
The United States reached a vaccination milestone on Aug. 6: 50% of the population, all ages, were fully vaccinated, the White House COVID-19 data director confirmed.
CDC says people who’ve had COVID should get shot or risk reinfection
Even people who have recovered from COVID-19 are urged to get vaccinated, especially as the extra-contagious delta variant surges — and a new study shows survivors who ignored that advice were more than twice as likely to get reinfected.
Vaccination will be required for air travel if new legislation passes; lawsuit against vax passes is filed
Federal and local officials are pushing congressional legislation that would require air travelers to show proof of vaccination to board a plane. Meanwhile, those opposed to New York City’s proof of vaccine requirement for indoor restaurants and venues filed their first lawsuit.
New Yorkers warned of dangers of fake COVID vaccination cards
New York Attorney General Letitia James released a consumer alert on Aug. 6 regarding fake COVID-19 vaccination cards. There have been many reports of these cards in the state, which can lead to a list of dangers, according to they attorney general.
Warning of more delta mutations, Fauci urges vaccinations
The White House COVID-19 response team said the delta variant continues to surge across the country. During a briefing on Aug. 5, Dr. Anthony Fauci called on Americans to take precautions to stop the virus from mutating. “The ultimate end game of all this is vaccination,” he said.
Moderna says vaccine 93% effective after 6 months
Moderna said its COVID vaccine has 93% efficacy six months after the second shot, according to a report released on Aug. 5.
Moderna says COVID-19 vaccine booster will likely be needed before winter
Drugmaker Moderna says it has seen its COVID-19 vaccine’s antibody levels decline over time and believes people who received two doses of it will need a booster shot before winter to protect against virus variants.
Can I get ‘long COVID’ if I’m infected after getting vaccinated?
It’s unclear, but researchers are studying the chances of long-term symptoms developing in anyone who might get infected after vaccination.
Brooklyn nurse honored for COVID fight gets her own Barbie doll
A New York City nurse who fought COVID, contracted the virus herself and then went right back to battling the pandemic now has a Barbie doll designed to look like her.
What is the delta plus variant of COVID?
The latest surge in COVID-19 infections is fueled by the highly contagious delta variant first identified in India late last year. Now, a variation of that variant is beginning to generate headlines. Here’s what we know about the COVID sub-strain being called delta plus.
2021 NY International Auto Show canceled due to rise in delta variant
The New York International Auto Show (NYIAS) became a casualty of the fast-spreading coronavirus delta variant. Show organizers said on Aug. 4 that they’ve decided to cancel it this year, a little over two weeks before the scheduled start. 
Who are the unvaccinated and how are they being reached?
PIX11 News’ Henry Rosoff spent an eye-opening few hours with vaccination outreach workers to learn more about the unvaccinated population.
More ‘pain and suffering’ ahead as COVID cases rise, Fauci says
Dr. Anthony Fauci warned on Aug. 1 that more “pain and suffering” is on the horizon as COVID-19 cases climb again and officials plead with unvaccinated Americans to get their shots.
Walmart requiring COVID vaccination, masks for many employees
In a memo, Walmart announced that associates who work in multiple facilities, and associates of its campus office, will need to be vaccinated against COVID-19 by Oct. 4. Walmart also required associates, including those fully vaccinated, to wear masks in its stores.
COVID cases rising across NY faster than fall 2020 despite vaccinations
The number of people testing positive for COVID-19 in New York is rising at a faster and steadier pace now than it did last fall, before anyone was vaccinated.
New delta variant research makes strong case for vaccination
A report released by the Centers for Disease Control and Prevention emphasized the delta variant is more dangerous and fast-spreading than first thought. The findings also made clear why efforts to get more people vaccinated are vital.
Bronx teacher goes door-to-door to encourage vaccination
A Bronx teacher is trying to convince people to get vaccinated and send their kids back to school. High school social worker Justin Spiro says he’s on a mission, alongside the teachers’ union, to speak to parents with concerns.
Broadway will require audiences be vaccinated, wear masks
When curtains rise again on Broadway in September, theatergoers will need to mask up and show proof of vaccination.
CDC data shows delta variant spreads as easily as chickenpox
The Centers for Disease Control and Prevention released new information on July 30, saying the coronavirus delta variant can spread as easily as chickenpox.
NYC will pay $100 to newly vaccinated
New York City officials announced the city will give $100 debit cards to New Yorkers who get their first COVID shot at a city-run vaccination site.
Bronx 16-year-old gets vaccine to help convince hesitant family
A 16-year-old high schooler in the Bronx said she was vaccinated at school in part to convince her doubtful parents and family that the vaccine is safe.
Cuomo warns of schools becoming superspreaders amid COVID spike
Gov. Andrew Cuomo on July 28 advised school districts to take action and ensure schools won’t become COVID-19 superspreaders. 
Pfizer: COVID vaccine protective for at least 6 months
The effectiveness of the Pfizer COVID-19 vaccine wanes slightly over time but it remains strongly protective for at least six months after the second dose, according to company data released on July 28.
Disney World requires masks indoors regardless of vaccination status
Beginning July 30, Disney World required all visitors ages 2 and older to wear a face covering while indoors as well as in Disney buses, the monorail and the Disney Skyliner, regardless of vaccination status.
NY plans COVID vaccine mandate for state employees, health care workers
New York will require all state employees to get vaccinated against the coronavirus by Labor Day or undergo weekly COVID-19 testing.
Additionally, all patient-facing health care workers at state hospitals will be required to get the vaccine. There will be no alternative testing option for these employees.
NY workers should be back in offices by Labor Day
Employers should bring workers back to offices by Labor Day, the governor said on July 29 amid an increase in COVID cases.
CDC mask guidance: Vaccinated people should wear face coverings in public indoor settings
The Centers for Disease Control and Prevention reversed course on some masking guidelines on July 27, recommending that even vaccinated people return to wearing masks indoors in parts of the U.S. where the coronavirus is surging.
Streamlined NY rent relief application unveiled amid delayed payments
Facing backlash over delayed pandemic rental assistance payments, Gov. Andrew Cuomo announced a more streamlined online application process for tenants and landlords. The new online application, which will be implemented on July 27, loosens the standards for documentation, including for multi-tenant landlords who need to submit arrears documents. 
Vaccines offered at Summer Rising schools
Starting July 26, select schools in New York City’s Summer Rising summer school program began offering vaccine shots to eligible students, parents and community members.
The free Pfizer shots will be available at 25 Summer Rising sites through Aug. 13 across all five boroughs. Find out when and where here.
US headed in ‘wrong direction’ on COVID-19, Fauci says
The United States is in an “unnecessary predicament” of soaring COVID-19 cases fueled by unvaccinated Americans and the virulent delta variant, the nation’s top infectious diseases expert said on July 25.
Sen. Schumer demands New York release billions in rental assistance
Roughly $2 billion in federal rental assistance remained in the hands of New York State on July 25, as thousands of tenants continued to struggle to make ends meet amid the COVID-19 pandemic. Sen. Chuck Schumer released a letter he sent to the State Office of Temporary and Disability Assistance, demanding the agency “move heaven and earth” to quickly release the Emergency Rental Assistance Program funding.
NYC mask mandate debate heats up as delta variant spurs new COVID cases
Some New York City officials called on Mayor Bill de Blasio to retighten COVID-19 restrictions as the delta variant spurs an uptick in cases in the five boroughs. De Blasio, however, said he would hold off on reinstating an indoor mask mandate as COVID-19 hospitalizations in the city remain relatively low.
Doctors warn about slightly different symptoms with delta variant of COVID
As concern grows regarding the COVID-19 delta variant, health leaders are warning about somewhat different symptoms that come with it.
Most unvaccinated Americans unlikely to get COVID-19 shots, new AP poll finds
A new poll shows that most Americans who haven’t been vaccinated against COVID-19 say they are unlikely to get the shots. About 16% say they probably will get the vaccine.
Is asking about someone’s COVID vaccine status a HIPAA violation?
HIPAA was signed into law by President Bill Clinton in 1996 during a time when medical records were being computerized. It was created to simplify the administration of health insurance and to prevent unauthorized access to peoples’ medical histories.
In fact, HIPAA doesn’t block anyone from asking another person about their health status, according to Alan Meisel, law professor and bioethics expert at the University of Pittsburgh.
DOJ says no probe into state-run nursing homes in NY
The Justice Department says it has decided not to open a civil rights investigation into government-run nursing homes in New York over their COVID-19 response.
NYC public hospitals still awaiting FEMA reimbursement for COVID-19 expenses
The New York City public hospital system said it’s still waiting on a big reimbursement from FEMA for expenses incurred during the COVID-19 pandemic.
Vaccine or weekly testing mandated for NYC health care workers
New York City will require workers in city-run hospitals and health clinics to either get vaccinated or get tested weekly, Mayor Bill de Blasio said. The COVID-19 safety requirement for health workers goes into effect beginning Aug. 2. 
NYC COVID-19 uptick: Nearly 70% of new cases are delta variant
As COVID-19 cases slowly rise in the area, the City Council’s health committee chairman said the delta variant has become the dominant strain of the virus. City Councilmember Mark Levine said the delta variant makes up 69% of new cases in the city — up from 44% the week before.
Child tax credit checks: Will they become permanent?
The parents of an estimated 60 million American children began receiving child tax credit payments from the IRS in mid-July in a move expected to lift millions of families above the poverty baseline for the remainder of 2021. Should they become permanent?
Biden grapples with ‘pandemic of the unvaccinated’
President Joe Biden is confronting the worrying reality of rising cases and deaths — and the limitations of his ability to combat the persistent vaccine hesitance responsible for the summer backslide.
Common cholesterol drugs may significantly reduce risk of death from COVID-19: study
Statins, a common medication for lowering cholesterol, may be saving lives among patients with COVID-19. A new study reveals hospitalized coronavirus patients who take statins are much less likely to die from the illness.
De Blasio: No plan to bring back mask mandate if hospitalizations remain low
On the heels of the announcement that Los Angeles County will reinstitute its indoor mask mandate, New York City Mayor Bill de Blasio was asked on the “Brian Lehrer Show” on WNYC radio if he has plans to make a similar move and bring back mask rules for the city.
NYC not dropping mask mandate for students
New York City students will still have to wear masks in schools next fall, Mayor Bill de Blasio said in July.
Child tax credit: When to expect payments, how it may impact tax returns
Payments for the highly anticipated expanded child tax credits were being sent to families in the tri-state area, and the rest of the nation, for the first time in mid-July. While the additional money may be very helpful for some families across the economic spectrum, the overall tax credit situation is complicated.
WHO chief says it was ‘premature’ to rule out COVID lab leak
The head of the World Health Organization acknowledged it was premature to rule out a potential link between the COVID-19 pandemic and a laboratory leak, and he said he is asking China to be more transparent as scientists search for the origins of the coronavirus.
Wildfire smoke linked to increased COVID-19 risk, study says
A new study suggests that exposure to wildfire smoke is linked to an increased risk of contracting COVID-19.
What can I do if I didn’t get my child tax credit payment?
The official disbursement date for the first child tax credit payments from the Internal Revenue Service was July 15, but parents may not see the cash right away.
New York takes conservative approach to counting COVID deaths
The federal government’s count of those who died of COVID-19 in New York has 11,000 more victims than the tally publicized by the administration of Gov. Andrew Cuomo, which has stuck with a far more conservative approach to counting virus-related deaths.
NYC COVID hospitalizations likely to grow as delta variant rapidly spreads
The delta variant is fueling new COVID-19 cases in New York City, and health officials are urging New Yorkers to get vaccinated if they haven’t already. NYC Health Commissioner Dr. Dave Chokshi told PIX11 Morning News’ Betty Nguyen that he’s very concerned about the delta variant.
Will a COVID vaccine booster shot be needed? Fauci says it’s too soon to tell
The government’s top infectious disease expert said “it is entirely conceivable, maybe likely” that Americans will need a booster dose of the COVID-19 vaccine in the coming months, but it is too soon for the government to recommend another shot.
Global COVID-19 deaths hit 4 million amid rush to vaccinate
The global death toll from COVID-19 eclipsed 4 million as the crisis increasingly becomes a race between the vaccine and the highly contagious delta variant.
99 percent of US COVID deaths are unvaccinated people: Fauci
America’s top infectious disease expert says about 99.2% of recent COVID-19 deaths in the United States involved unvaccinated people. And Dr. Anthony Fauci says “it’s really sad and tragic that most all of these are avoidable and preventable.”
NY chief judge, family got preferential COVID-19 testing at home, official says
New York Chief Judge Janet DiFiore and some relatives received COVID-19 testing from the state at her private Long Island residence last summer after a member of the family tested positive, a state court official said. 
Why unvaccinated people still have to wear a mask in New York
The State of Emergency in New York may have ended but the state Department of Health remains cautious about the spread of COVID-19.
The same day the State of Emergency expired, DOH readopted some emergency regulations that would allow the agency and local health departments to react quickly should another spike in COVID cases happen, such as its “Surge and Flex” strategy and requiring masks in public for unvaccinated people.
There’s more to the worker shortage than pandemic unemployment, experts say
The workforce shortage is a combination of several factors, including the COVID-19 pandemic, a shift in the economy, and changes in the workforce demographics, experts say.
Free health insurance included in stimulus benefits for unemployment recipients
Along with $1,400 stimulus checks and monthly child tax credit payments, the American Rescue Plan has another important benefit available to people who qualified for unemployment assistance this year: free health care.
Essential workers monument to change location, remain in Battery Park City
A monument honoring essential workers’ efforts during the COVID-19 pandemic will change locations after residents in Battery Park City were unhappy with where it was originally going to be built.
Workers enjoy the upper hand as companies scramble to hire
With the economy growing rapidly as it reopens from the pandemic, many employers are increasingly desperate to hire. Yet evidence suggests that as a group, the unemployed aren’t feeling the same urgency to take jobs.
Vaccine freebies
New York, New Jersey and several companies nationwide are offering incentives for those who get vaccinated, including free food, drinks and discounts.
Latest official numbers
As of Monday, there have been 2,223,756 confirmed cases of COVID-19 since March 2020 and 43,404 fatalities, according to data from the state.
COVID-19 timeline: How novel coronavirus spread
Tips to protect yourself and others amid coronavirus outbreaks
The New York state coronavirus hotline is 1-888-364-3065; information is also being posted here
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themoneybuff-blog · 7 years ago
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Cost of living: Why you should choose a cheap place to live
Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
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Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
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Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
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In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/
0 notes
andrewdburton · 7 years ago
Text
Cost of living: Why you should choose a cheap place to live
While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.)
“Things are cheaper here in North Carolina than they are in Portland,” I said. “Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are!”
“Yeah, housing costs are lower here than in many parts of the country,” Justin said.
“Take our house, for instance. We bought it in 2003 for $108,000. Zillow says it’s worth around $198,000 right now. But I’ll bet that’s a lot less than you’d pay for a similar place in Portland.”
He’s right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. There’s only one place for sale in Portland right now that matches these stats and it’s going for $430,000 — more than twice the price the same home would fetch in Raleigh.
Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your “profit margin”) is to reduce how much you spend to keep a roof over your head.
One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If you’re willing to change locations, you can supercharge your purchasing power and accelerate your saving rate.
Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget — sometimes in unexpected ways. According to The Millionaire Next Door:
Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth.
It’s one thing to talk about the effects of high cost of living, but another to actually experience it.
Cost of Living in Real Life
On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region.
While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy men’s haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut.
Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000.
A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story:
I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savings…and then we had kids.
We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top.
In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000.
Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (We’d already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest “allowance” of $50/month for splurges.)
We are the very definition of penny wise and pound foolish!
Eventually, we moved into a cheaper apartment. Although we haven’t had to dip into savings since we moved, we’re still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason.
Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we can’t stay in New York on one salary. Change is definitely coming.
This reader and her husband are already frugal-minded — that’s how she built her buffer of savings to start with — so there isn’t much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living.
Saving in Savannah
Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.)
As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, you’ll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C.
It’s not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities — Boston, Houston, Seattle, Tampa — are relatively inexpensive. (In Boston and Seattle, though, that’s because wages are high, not because things are cheap.)
In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice:
We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.
We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but we’d have to drive into the city if we wanted to indulge ourselves.
After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that.
If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising.
I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay — and the real savings are probably far greater.
Pinching Pennies in Portland
This same concept — certain neighborhoods costing less than others — was a driving factor in our decision last year to sell our condo and move to “the country”. We loved where we lived, but the costs were crazy.
First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)
Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where we’d drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.
Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since we’ve moved, we’re spending about 25% less on groceries each month.
Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because we’re more rural now, we drive more often. Kim, especially, is spending more on gas. Our “new” home also has greater maintenance costs than the condo. We’ve poured a ton of money into this place since moving in. (I guess that’s not actually a cost-of-living issue so much as a homeownership issue, though.)
My point is that even within a city, there are cost-of-living differences you can leverage to your advantage — especially if you’re willing to live in a rougher part of town.
The Bottom Line
Obviously there’s more to picking a place to live than pure price.
When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isn’t a good choice for me long-term, but it was fine for a few months.)
Here’s the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second.
Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours.
Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited “buy as much home as you can afford”. The latter is self-serving advice from real-estate agents and mortgage brokers. You don’t need a big house; you just need someplace comfortable.
The post Cost of living: Why you should choose a cheap place to live appeared first on Get Rich Slowly.
from Finance https://www.getrichslowly.org/cost-of-living/ via http://www.rssmix.com/
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foursprout-blog · 7 years ago
Text
Cost of living: Why you should choose a cheap place to live
New Post has been published on http://foursprout.com/wealth/cost-of-living-why-you-should-choose-a-cheap-place-to-live/
Cost of living: Why you should choose a cheap place to live
While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.)
“Things are cheaper here in North Carolina than they are in Portland,” I said. “Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are!”
“Yeah, housing costs are lower here than in many parts of the country,” Justin said.
“Take our house, for instance. We bought it in 2003 for $108,000. Zillow says it’s worth around $198,000 right now. But I’ll bet that’s a lot less than you’d pay for a similar place in Portland.”
He’s right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. There’s only one place for sale in Portland right now that matches these stats and it’s going for $430,000 — more than twice the price the same home would fetch in Raleigh.
Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your “profit margin”) is to reduce how much you spend to keep a roof over your head.
One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If you’re willing to change locations, you can supercharge your purchasing power and accelerate your saving rate.
Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget — sometimes in unexpected ways. According to The Millionaire Next Door:
Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth.
It’s one thing to talk about the effects of high cost of living, but another to actually experience it.
Cost of Living in Real Life
On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region.
While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy men’s haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut.
Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000.
A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story:
I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savings…and then we had kids.
We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top.
In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000.
Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (We’d already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest “allowance” of $50/month for splurges.)
We are the very definition of penny wise and pound foolish!
Eventually, we moved into a cheaper apartment. Although we haven’t had to dip into savings since we moved, we’re still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason.
Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we can’t stay in New York on one salary. Change is definitely coming.
This reader and her husband are already frugal-minded — that’s how she built her buffer of savings to start with — so there isn’t much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living.
Saving in Savannah
Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.)
As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, you’ll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C.
It’s not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities — Boston, Houston, Seattle, Tampa — are relatively inexpensive. (In Boston and Seattle, though, that’s because wages are high, not because things are cheap.)
In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice:
We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.
We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but we’d have to drive into the city if we wanted to indulge ourselves.
After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that.
If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising.
I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay — and the real savings are probably far greater.
Pinching Pennies in Portland
This same concept — certain neighborhoods costing less than others — was a driving factor in our decision last year to sell our condo and move to “the country”. We loved where we lived, but the costs were crazy.
First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)
Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where we’d drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.
Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since we’ve moved, we’re spending about 25% less on groceries each month.
Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because we’re more rural now, we drive more often. Kim, especially, is spending more on gas. Our “new” home also has greater maintenance costs than the condo. We’ve poured a ton of money into this place since moving in. (I guess that’s not actually a cost-of-living issue so much as a homeownership issue, though.)
My point is that even within a city, there are cost-of-living differences you can leverage to your advantage — especially if you’re willing to live in a rougher part of town.
The Bottom Line
Obviously there’s more to picking a place to live than pure price.
When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isn’t a good choice for me long-term, but it was fine for a few months.)
Here’s the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second.
Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours.
Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited “buy as much home as you can afford”. The latter is self-serving advice from real-estate agents and mortgage brokers. You don’t need a big house; you just need someplace comfortable.
The post Cost of living: Why you should choose a cheap place to live appeared first on Get Rich Slowly.
0 notes
flauntpage · 7 years ago
Text
NYC Softball Phenom Christina Crockett Is Living the DREAM
Over the past two months VICE Sports has been profiling 16 athletes as they evolve into national superstars. Keep checking back here to find them all.
The first game of the spring is still months away, but the East Harlem-based youth softball and baseball program DREAM keeps kids in training all year round. Even on a chilly Thursday evening in November, a dozen high-school girls happily show up to run fitness drills in the AstroTurf-covered basement of a community center on 116th Street. They lift tires above their heads and do squats as their coach, Rob Saltares, murmurs encouragement.
Christina Crockett isn't the first player you notice in this group. The high-school junior isn't a show-off or a smart-aleck. The most common word her teammates and coaches use to describe her is "shy." Lanky, with rectangular glasses framing thoughtful eyes, she looks a bit embarrassed while a photographer with VICE Sports shoots her portrait. Still, Christina is one of the top softball players in New York City, a formidable batter who also anchors the center field for the Saints, a DREAM-administered travel team of all-stars from throughout the citywide NYC RBI league. She also plays for Hunter College High School, where as a sophomore her .611 batting average, 17 RBIs, and 1.083 slugging percentage helped secure her a slot representing Manhattan in last year's Public School Athletic League Battle of the Boroughs, a sort of all-star game for local high-school players. "Typically, junior year is when colleges begin to approach players," says Saltares, whose history with DREAM goes back to 1998, when he was a ten-year-old baseball player in the program. He anticipates that come springtime, Christina will garner plenty of interest from recruiters, saying, "She's in a position where she could go anywhere she wants."
"In the past three years, she's become a leader on the team," Saltares adds. ""Christina is a person who balances things out—she has this calm personality, and she can be the voice of reason."
Laurel Golio
That maturity is essential to Christina's excellence on and off the field. Her knack for staying cool under pressure delivered a crucial victory for the Saints in last year's playoffs. Near the end of a game against a tough rival squad, The OLS Lady Twins. Christina's team was up by two runs, but their opponents had just gotten a pair of batters on base. "Then this girl hits the ball to me, and it bounces," she recalls. The runner on second base saw an opening to score, but as she rounded third, Christina threw her out at home. She's humble and measured throughout our conversation, but she flashes a big grin as she tells me, "That was a pretty long throw!" The play closed out the inning and allowed the Saints to advance to the next round. They ended up at the regional 18-and-under division's championship game for the second time in the past three years.
Along with anchoring Hunter's team and the Saints, a selective squad comprised of just 15 of DREAM's best players, Christina plays goalkeeper on Hunter's varsity soccer team, which makes the fall just as hectic for her as the spring, when she's playing both travel and school softball. On her busiest days, Hunter shuttles her to nearby Randalls Island to play soccer after classes, then she hurries home for dinner and schoolwork before heading back out to practice with DREAM. What's even more impressive is that she doesn't seem frantic or drained, like most over-scheduled kids. "I've learned to manage my time over the last few years," she explains.
The way she sees it, her sports commitments aren't a distraction from her academic pursuits, but a way of maintaining healthy habits that improve her focus in all facets of her life. "I don't play a sport in the winter. You'd think that when I have more time, my grades would be better, but they're not," Christina says. "I get the best grades in softball season because I'm the happiest. When I have a sport, I do my homework during lunch. I can't procrastinate. If I don't get enough sleep, I'll be tired for my game tomorrow. When I'm in season, I'll eat a healthier lunch—like, I won't get pizza. If I'm off season, it doesn't matter."
"Sometimes I think she has it more figured out than I do," jokes Saltares. It's stories like Christina's that present DREAM—as well as Major League Baseball's nationwide Reviving Baseball in Inner Cities (RBI) program, with which it is affiliated—as a free, more-than-viable alternative to the city's private school system for young softball and baseball players who hope to play in college.
Laurel Golio
Christina, who will turn 16 in December, is an ideal DREAM athlete—not just because of her talent on the field, or that she lives a block away from its East Harlem headquarters, but because she's equally ambitious as a scholar. Between two workout sessions, many of the students pull out their folders, pencils, and photocopies to get some homework done. The first adult I meet at the practice is Stefano Barros, DREAM's High School Leadership and Service Coordinator, who works to keep the kids' educational progress on track and organizes outings such as college visits. In addition to honing their skills on the field, DREAM participants attend mandatory, year-round classes and tutoring sessions aimed at giving them the same advantages wealthier kids have in the classroom, with the ultimate goal of shepherding the athletes through high school and into college. When they reach Christina's age, the options expand to include SAT prep courses, campus tours and immersive, multi-day trips to colleges like Marist and SUNY Old Westbury, where students often meet DREAM alumni who've matriculated.
As he often does, Barros watches the girls run their drills from the sidelines and playfully calls out the ones who aren't giving the exercises their all. Later, when questions about homework crop up, he's there to help with those, too. Not that Christina needs much in the way of help. Barros calls her a "quiet role model" and kvells about her stellar grades at Hunter, which is one of the most selective and prestigious public schools in the country. "You can tell that she just knows what she wants," he says.
Laurel Golio
Founded in 1991 as a modest, volunteer-run baseball league for 75 teenage boys under the umbrella of RBI, DREAM has slowly grown to address the academic, social, emotional, and family needs of over 2200 kids. Executive Director Richard Berlin, who joined DREAM as a volunteer baseball coach in 1994, explains that the evolution happened out of necessity: "The reality was that kids would come and go [from the sports program] because of life circumstances that were certainly beyond our control and often beyond theirs." Now, "playing on a baseball or softball team is the hook," he says. "We're thinking about longer-term outcomes that help kids and families break the cycle of poverty. To do that, you've got to start with kids very early and stick with them late."
The outcomes are remarkable. In a neighborhood where 42 percent of minors live below the poverty line and less than 40 percent enroll in college, DREAM has maintained a 94 percent college acceptance rate for its seniors since 2005. That academic success inspired the creation of DREAM Charter School, on 2nd Ave. and 103rd St., in 2008. Beyond East Harlem, the organization now runs extracurricular programs in the South Bronx and Newark, NJ. Formerly known as Harlem RBI, DREAM recently adopted its new name to reflect that broadened scope but continues to administer the MLB's RBI league for New York City.
Laurel Golio
When Christina joined her middle-school softball team in sixth grade, her knowledge of the sport was practically nonexistent. "I had no idea how to play," she recalls. "I was using my dad's old glove." She quickly fell in love with the game, but, as one of the youngest and least experienced girls on the team, she sat on the sidelines for her entire first season.
Determined to improve her skills and intrigued by the games and community events she saw happening on DREAM's field, she signed up for the program in seventh grade. At first, it was hard to find her place in a group of kids who already knew each other. Over the years, though, as she's become one of the veterans, Christina has grown close to the handful of other girls who've stuck around since middle school.
And they can't say enough nice things about her. It's no surprise that they're eager to praise their friend, but I'm struck by the specificity of their compliments. Milly Rodriguez calls Christina "hard-working, fun to be with, energetic, flexible." Bianca Mercado tells me that she's known for her speed, but also that "she brings the team together in a very positive way" and "wants to be the best person she can be." They stress how generous Christina is on the field, backing up her teammates and offering soft-spoken help.
It didn't take long for her to become a standout athlete, either. After a few months with DREAM, Christina was good enough to be a starter on her middle-school team. By then, she'd also come to appreciate the rigor of year-round training and the commitment of the kids and adults she met in the program. She formed a particularly strong bond with one longtime coach, DREAM's High School Program Coordinator Matt Gonzalez. "He strikes a good balance between fun and actual working," she says. "He makes sure at the end of practice we'll play a game or something."
Laurel Golio
Speaking to me over email, Gonzalez expresses pride in Christina's gradual transformation from shy seventh grader to team leader. "I'll always remember when she hit the game-winning home run in the 14-and-under semi-finals to send us to the championship," he writes. "One of her teammates looked over at me and said, 'Coach Matt, Christina is the real deal.'" That, he says, was the day she earned "an infinite amount of respect from her teammates."
DREAM also aims to strengthen the bonds between kids and their families. "Our kids typically come from tough family circumstances," says Berlin. "Almost everyone is living well below the poverty line, and that creates all sorts of pressure on kids and families," he says. "If we think we're going to help a kid move from vulnerability to resilience without the support and engagement of the family—well, anyone who thinks that is woefully mistaken." Games bring parents into their children's lives in an explicitly positive context, and DREAM staff makes a point of proactively forming relationships with families, instead of just calling home about behavior problems.
Christina's father is one of the program's most engaged parents, Barros tells me. In addition to attending most of her games, he also keeps up with what she's learning in DREAM's enrichment courses. "Sometimes it's weird when my dad's asking questions and poking around," she says, her obvious affection shining through the veneer of annoyance. "But it is nice when you have support on the sidelines."
Laurel Golio
Whether because of the MLB connection or just because of the unfortunate reality that boys' sports still get more attention than girls' sports, DREAM's baseball program makes more headlines than its softball program. But the girls' teams tend to make it to more championships. Barros doesn't hesitate to confirm that Christina and her friends are "better than the boys"—and often outperform them at school, too—but he laments that the girls "don't get enough shine."
That the softball program even exists is a testament to the determination of a previous generation of East Harlem girls. In DREAM's early days, Berlin tells me, "six young women who lived down the block marched into our then-300-square-foot storefront office to inquire, not-so-politely, 'How come only boys are playing?' It took a while, but that led to building a softball program that is on par with the resources, coaching, and attention that the boys get." Berlin notes that, as the current news cycle keeps reminding us, girls aren't exactly growing up in a feminist utopia. "But, if you want the world to be a certain way, better start at home," he says. "So we try to do that. There are amazing girls in our program, but there are also amazing women in our leadership." The organization's management team is over 60% female.
Laurel Golio
DREAM recently became a minor character in Donald Trump's long, quixotic battle with the NFL over Colin Kaepernick's act of kneeling during the national anthem in protest of police brutality. Kaepernick and his partner, the Hot 97 radio personality Nessa, paid the program's charter school a visit on the same day that a reporter with CBS Sports falsely claimed that Kaepernick would stand for the anthem if the NFL rescinded its rumored blackballing of the quarterback. Rather than use his appearance to address the issue, his talk stressed the importance of speaking out against injustice, even when it feels most difficult. GQ recently named Kaepernick its Citizen of the Year, and a video accompanying the feature captures him hugging and laughing with some awestruck DREAM students during that visit.
As momentous as an appearance by a figure such as Kaepernick may be, DREAM also excels at creating its own role models. Among its full- and part-time staff, about 20 are alumni of the program. Meanwhile, older athletes such as Christina have opportunities to mentor the program's youngest participants. As part of a work experience initiative, she wrote a resume, interviewed and landed a job in DREAM's summer program, where she's spent the past two years coaching and teaching five- and six-year-olds. "I worked with some of the same kids both years," she says. "It was really cool to see how they got better. Some of them didn't know which hand the glove went on, and [the next summer] they were the ones teaching other kids which hand it went on."
The gig opened Christina up to the possibility of working with children when she's older. Although she hopes softball will play a part in her adult life, she idolizes Michelle Obama more than any sports star—she tells me she can imagine becoming a teacher. But she's understandably wary of committing to any career path yet. She just took the SATs and intends to sharpen her focus in college and, if all goes according to plan, continue her studies in grad school.
As she patiently builds a promising future with help from Matt, Rob, Stef, her family, and her teammates, it's the concrete victories softball provides that sustain Christina. She waxes rhapsodic on the small, tactile pleasures of smashing her bat into a ball or trapping a pop fly in her glove, her eyes going dreamy as she enthuses over "the sound the bat makes and the feeling you get. There's nothing else like it, you know?"
NYC Softball Phenom Christina Crockett Is Living the DREAM published first on http://ift.tt/2pLTmlv
0 notes
amtushinfosolutionspage · 7 years ago
Text
NYC Softball Phenom Christina Crockett Is Living the DREAM
Over the past two months VICE Sports has been profiling 16 athletes as they evolve into national superstars. Keep checking back here to find them all.
The first game of the spring is still months away, but the East Harlem-based youth softball and baseball program DREAM keeps kids in training all year round. Even on a chilly Thursday evening in November, a dozen high-school girls happily show up to run fitness drills in the AstroTurf-covered basement of a community center on 116th Street. They lift tires above their heads and do squats as their coach, Rob Saltares, murmurs encouragement.
Christina Crockett isn’t the first player you notice in this group. The high-school junior isn’t a show-off or a smart-aleck. The most common word her teammates and coaches use to describe her is “shy.” Lanky, with rectangular glasses framing thoughtful eyes, she looks a bit embarrassed while a photographer with VICE Sports shoots her portrait. Still, Christina is one of the top softball players in New York City, a formidable batter who also anchors the center field for the Saints, a DREAM-administered travel team of all-stars from throughout the citywide NYC RBI league. She also plays for Hunter College High School, where as a sophomore her .611 batting average, 17 RBIs, and 1.083 slugging percentage helped secure her a slot representing Manhattan in last year’s Public School Athletic League Battle of the Boroughs, a sort of all-star game for local high-school players. “Typically, junior year is when colleges begin to approach players,” says Saltares, whose history with DREAM goes back to 1998, when he was a ten-year-old baseball player in the program. He anticipates that come springtime, Christina will garner plenty of interest from recruiters, saying, “She’s in a position where she could go anywhere she wants.”
“In the past three years, she’s become a leader on the team,” Saltares adds. “”Christina is a person who balances things out—she has this calm personality, and she can be the voice of reason.”
Laurel Golio
That maturity is essential to Christina’s excellence on and off the field. Her knack for staying cool under pressure delivered a crucial victory for the Saints in last year’s playoffs. Near the end of a game against a tough rival squad, The OLS Lady Twins. Christina’s team was up by two runs, but their opponents had just gotten a pair of batters on base. “Then this girl hits the ball to me, and it bounces,” she recalls. The runner on second base saw an opening to score, but as she rounded third, Christina threw her out at home. She’s humble and measured throughout our conversation, but she flashes a big grin as she tells me, “That was a pretty long throw!” The play closed out the inning and allowed the Saints to advance to the next round. They ended up at the regional 18-and-under division’s championship game for the second time in the past three years.
Along with anchoring Hunter’s team and the Saints, a selective squad comprised of just 15 of DREAM’s best players, Christina plays goalkeeper on Hunter’s varsity soccer team, which makes the fall just as hectic for her as the spring, when she’s playing both travel and school softball. On her busiest days, Hunter shuttles her to nearby Randalls Island to play soccer after classes, then she hurries home for dinner and schoolwork before heading back out to practice with DREAM. What’s even more impressive is that she doesn’t seem frantic or drained, like most over-scheduled kids. “I’ve learned to manage my time over the last few years,” she explains.
The way she sees it, her sports commitments aren’t a distraction from her academic pursuits, but a way of maintaining healthy habits that improve her focus in all facets of her life. “I don’t play a sport in the winter. You’d think that when I have more time, my grades would be better, but they’re not,” Christina says. “I get the best grades in softball season because I’m the happiest. When I have a sport, I do my homework during lunch. I can’t procrastinate. If I don’t get enough sleep, I’ll be tired for my game tomorrow. When I’m in season, I’ll eat a healthier lunch—like, I won’t get pizza. If I’m off season, it doesn’t matter.”
“Sometimes I think she has it more figured out than I do,” jokes Saltares. It’s stories like Christina’s that present DREAM—as well as Major League Baseball’s nationwide Reviving Baseball in Inner Cities (RBI) program, with which it is affiliated—as a free, more-than-viable alternative to the city’s private school system for young softball and baseball players who hope to play in college.
Laurel Golio
Christina, who will turn 16 in December, is an ideal DREAM athlete—not just because of her talent on the field, or that she lives a block away from its East Harlem headquarters, but because she’s equally ambitious as a scholar. Between two workout sessions, many of the students pull out their folders, pencils, and photocopies to get some homework done. The first adult I meet at the practice is Stefano Barros, DREAM’s High School Leadership and Service Coordinator, who works to keep the kids’ educational progress on track and organizes outings such as college visits. In addition to honing their skills on the field, DREAM participants attend mandatory, year-round classes and tutoring sessions aimed at giving them the same advantages wealthier kids have in the classroom, with the ultimate goal of shepherding the athletes through high school and into college. When they reach Christina’s age, the options expand to include SAT prep courses, campus tours and immersive, multi-day trips to colleges like Marist and SUNY Old Westbury, where students often meet DREAM alumni who’ve matriculated.
As he often does, Barros watches the girls run their drills from the sidelines and playfully calls out the ones who aren’t giving the exercises their all. Later, when questions about homework crop up, he’s there to help with those, too. Not that Christina needs much in the way of help. Barros calls her a “quiet role model” and kvells about her stellar grades at Hunter, which is one of the most selective and prestigious public schools in the country. “You can tell that she just knows what she wants,” he says.
Laurel Golio
Founded in 1991 as a modest, volunteer-run baseball league for 75 teenage boys under the umbrella of RBI, DREAM has slowly grown to address the academic, social, emotional, and family needs of over 2200 kids. Executive Director Richard Berlin, who joined DREAM as a volunteer baseball coach in 1994, explains that the evolution happened out of necessity: “The reality was that kids would come and go [from the sports program] because of life circumstances that were certainly beyond our control and often beyond theirs.” Now, “playing on a baseball or softball team is the hook,” he says. “We’re thinking about longer-term outcomes that help kids and families break the cycle of poverty. To do that, you’ve got to start with kids very early and stick with them late.”
The outcomes are remarkable. In a neighborhood where 42 percent of minors live below the poverty line and less than 40 percent enroll in college, DREAM has maintained a 94 percent college acceptance rate for its seniors since 2005. That academic success inspired the creation of DREAM Charter School, on 2nd Ave. and 103rd St., in 2008. Beyond East Harlem, the organization now runs extracurricular programs in the South Bronx and Newark, NJ. Formerly known as Harlem RBI, DREAM recently adopted its new name to reflect that broadened scope but continues to administer the MLB’s RBI league for New York City.
Laurel Golio
When Christina joined her middle-school softball team in sixth grade, her knowledge of the sport was practically nonexistent. “I had no idea how to play,” she recalls. “I was using my dad’s old glove.” She quickly fell in love with the game, but, as one of the youngest and least experienced girls on the team, she sat on the sidelines for her entire first season.
Determined to improve her skills and intrigued by the games and community events she saw happening on DREAM’s field, she signed up for the program in seventh grade. At first, it was hard to find her place in a group of kids who already knew each other. Over the years, though, as she’s become one of the veterans, Christina has grown close to the handful of other girls who’ve stuck around since middle school.
And they can’t say enough nice things about her. It’s no surprise that they’re eager to praise their friend, but I’m struck by the specificity of their compliments. Milly Rodriguez calls Christina “hard-working, fun to be with, energetic, flexible.” Bianca Mercado tells me that she’s known for her speed, but also that “she brings the team together in a very positive way” and “wants to be the best person she can be.” They stress how generous Christina is on the field, backing up her teammates and offering soft-spoken help.
It didn’t take long for her to become a standout athlete, either. After a few months with DREAM, Christina was good enough to be a starter on her middle-school team. By then, she’d also come to appreciate the rigor of year-round training and the commitment of the kids and adults she met in the program. She formed a particularly strong bond with one longtime coach, DREAM’s High School Program Coordinator Matt Gonzalez. “He strikes a good balance between fun and actual working,” she says. “He makes sure at the end of practice we’ll play a game or something.”
Laurel Golio
Speaking to me over email, Gonzalez expresses pride in Christina’s gradual transformation from shy seventh grader to team leader. “I’ll always remember when she hit the game-winning home run in the 14-and-under semi-finals to send us to the championship,” he writes. “One of her teammates looked over at me and said, ‘Coach Matt, Christina is the real deal.'” That, he says, was the day she earned “an infinite amount of respect from her teammates.”
DREAM also aims to strengthen the bonds between kids and their families. “Our kids typically come from tough family circumstances,” says Berlin. “Almost everyone is living well below the poverty line, and that creates all sorts of pressure on kids and families,” he says. “If we think we’re going to help a kid move from vulnerability to resilience without the support and engagement of the family—well, anyone who thinks that is woefully mistaken.” Games bring parents into their children’s lives in an explicitly positive context, and DREAM staff makes a point of proactively forming relationships with families, instead of just calling home about behavior problems.
Christina’s father is one of the program’s most engaged parents, Barros tells me. In addition to attending most of her games, he also keeps up with what she’s learning in DREAM’s enrichment courses. “Sometimes it’s weird when my dad’s asking questions and poking around,” she says, her obvious affection shining through the veneer of annoyance. “But it is nice when you have support on the sidelines.”
Laurel Golio
Whether because of the MLB connection or just because of the unfortunate reality that boys’ sports still get more attention than girls’ sports, DREAM’s baseball program makes more headlines than its softball program. But the girls’ teams tend to make it to more championships. Barros doesn’t hesitate to confirm that Christina and her friends are “better than the boys”—and often outperform them at school, too—but he laments that the girls “don’t get enough shine.”
That the softball program even exists is a testament to the determination of a previous generation of East Harlem girls. In DREAM’s early days, Berlin tells me, “six young women who lived down the block marched into our then-300-square-foot storefront office to inquire, not-so-politely, ‘How come only boys are playing?’ It took a while, but that led to building a softball program that is on par with the resources, coaching, and attention that the boys get.” Berlin notes that, as the current news cycle keeps reminding us, girls aren’t exactly growing up in a feminist utopia. “But, if you want the world to be a certain way, better start at home,” he says. “So we try to do that. There are amazing girls in our program, but there are also amazing women in our leadership.” The organization’s management team is over 60% female.
Laurel Golio
DREAM recently became a minor character in Donald Trump’s long, quixotic battle with the NFL over Colin Kaepernick’s act of kneeling during the national anthem in protest of police brutality. Kaepernick and his partner, the Hot 97 radio personality Nessa, paid the program’s charter school a visit on the same day that a reporter with CBS Sports falsely claimed that Kaepernick would stand for the anthem if the NFL rescinded its rumored blackballing of the quarterback. Rather than use his appearance to address the issue, his talk stressed the importance of speaking out against injustice, even when it feels most difficult. GQ recently named Kaepernick its Citizen of the Year, and a video accompanying the feature captures him hugging and laughing with some awestruck DREAM students during that visit.
As momentous as an appearance by a figure such as Kaepernick may be, DREAM also excels at creating its own role models. Among its full- and part-time staff, about 20 are alumni of the program. Meanwhile, older athletes such as Christina have opportunities to mentor the program’s youngest participants. As part of a work experience initiative, she wrote a resume, interviewed and landed a job in DREAM’s summer program, where she’s spent the past two years coaching and teaching five- and six-year-olds. “I worked with some of the same kids both years,” she says. “It was really cool to see how they got better. Some of them didn’t know which hand the glove went on, and [the next summer] they were the ones teaching other kids which hand it went on.”
The gig opened Christina up to the possibility of working with children when she’s older. Although she hopes softball will play a part in her adult life, she idolizes Michelle Obama more than any sports star—she tells me she can imagine becoming a teacher. But she’s understandably wary of committing to any career path yet. She just took the SATs and intends to sharpen her focus in college and, if all goes according to plan, continue her studies in grad school.
As she patiently builds a promising future with help from Matt, Rob, Stef, her family, and her teammates, it’s the concrete victories softball provides that sustain Christina. She waxes rhapsodic on the small, tactile pleasures of smashing her bat into a ball or trapping a pop fly in her glove, her eyes going dreamy as she enthuses over “the sound the bat makes and the feeling you get. There’s nothing else like it, you know?”
NYC Softball Phenom Christina Crockett Is Living the DREAM syndicated from http://ift.tt/2ug2Ns6
0 notes
themoneybuff-blog · 7 years ago
Text
Cost of living: Why you should choose a cheap place to live
Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
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Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
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Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
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In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/
0 notes
themoneybuff-blog · 7 years ago
Text
Cost of living: Why you should choose a cheap place to live
Shares 105 While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
Tumblr media
Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
Tumblr media
Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
Tumblr media
In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. Shares 105 https://www.getrichslowly.org/cost-of-living/
0 notes
themoneybuff-blog · 7 years ago
Text
Cost of living: Why you should choose a cheap place to live
While visiting Raleigh earlier this month, I spent a morning with my pal Justin (from the excellent Root of Good blog) and his wife. As we sipped our coffee and nibbled our bagels, the conversation turned to cost of living. (Money nerds will be money nerds, after all.) Things are cheaper here in North Carolina than they are in Portland, I said. Food is cheaper. Beer is cheaper. Hotel rooms are cheaper. Your homes are cheaper too. Last night, as I was walking through the neighborhood next to my hotel, I pulled up the housing prices. I was shocked at how low they are! Yeah, housing costs are lower here than in many parts of the country, Justin said. Take our house, for instance. We bought it in 2003 for $108,000. Zillow says its worth around $198,000 right now. But Ill bet thats a lot less than youd pay for a similar place in Portland. Hes right. Justin and his wife own an 1800-square-foot home on 0.3 acres of land. Their place has four bedrooms and 2.5 bathrooms. Theres only one place for sale in Portland right now that matches these stats and its going for $430,000 more than twice the price the same home would fetch in Raleigh.
Tumblr media
Housing is by far the largest slice of the average American budget, representing one-third of typical household spending. Because of this, the best way to cut your costs (and, therefor, boost your profit margin) is to reduce how much you spend to keep a roof over your head. One obvious way to cut costs on housing is to choose a cheaper home or apartment. But if you truly want to slash your spending, consider moving to a new neighborhood. Or city. Or state. If youre willing to change locations, you can supercharge your purchasing power and accelerate your saving rate. Cost of living is one of those factors that people seldom consider, but which can have a huge impact on the family budget sometimes in unexpected ways. According to The Millionaire Next Door: Living in less costly areas can enable you to spend less and to invest more of your income. You will pay less for your home and correspondingly less for your property taxes. Your neighbors will be less likely to drive expensive motor vehicles. You will find it easier to keep up, even ahead, of the Joneses and still accumulate wealth. Its one thing to talk about the effects of high cost of living, but another to actually experience it. Cost of Living in Real Life On our fifteen-month road trip across the United States, Kim and I made a point of watching how prices varied from city to city and region to region. While stranded for ten days in rural Plankinton, South Dakota, for example, I paid $10.60 for a fancy mens haircut. At home in Portland, I pay $28 for the same fancy haircut. In Fort Collins, Colorado, I paid $30 for a haircut. In Santa Barbara, California, I paid $50 or $60 for the same fancy cut. Gas was cheaper in South Dakota too. So was food. So was beer and whisky. So were movies. So was just about everything, including housing. Housing prices followed a similar pattern to the haircut prices I mentioned above. A $280,000 home in Portland might go for $300,000 in Fort Collins and $500k to $600k in Santa Barbara. In South Dakota, that same home would cost about $106,000. A couple of years ago, I exchanged email with a reader who had first-hand experience struggling with the high cost of living. She gave me permission to share her story: I had been saving about 40% of my relatively modest salary for eight years. I had built up an emergency fund as well as a good sized savingsand then we had kids. We lost our rent-stabilized apartment right after our children were born. We live in New York City, and while I maintain that there are many things about the city that are actually very budget-friendly (public transit and free entertainment top my list), the cost of rent and daycare in NYC are over the top. In one year, the cost of a market-rate apartment in our neighborhood plus two kids in daycare ate into my hard-earned savings. By the end of the year, the pot of money that I had worked so hard to save was down by almost $50,000. Luckily, my husband and I have never carried any kind of debt and had already been living well below our means before the kids came along. But that also meant there was very little fat left to trim in our budget other than rent and daycare expenses. (Wed already dropped the landline, never had cable, cooked almost all of our meals at home, and cut out our modest allowance of $50/month for splurges.) We are the very definition of penny wise and pound foolish! Eventually, we moved into a cheaper apartment. Although we havent had to dip into savings since we moved, were still essentially living month to month because of daycare and rent. The neighborhood is cheaper for a reason. Real Life will force us to make another move in the spring. One of our jobs is going away, so it will force a decision one way or another since we cant stay in New York on one salary. Change is definitely coming. This reader and her husband are already frugal-minded thats how she built her buffer of savings to start with so there isnt much more the family can cut. This is an example where the only real solution is to seek a city with a lower cost of living. Saving in Savannah Which places are cheapest to live? Which are most expensive? This map from Governing magazine shows how far the average paycheck goes in 191 U.S. metro areas.
Tumblr media
Dark green (blue?) dots indicate cities where your wages buy more after adjusting for cost of living. Dark brown dots are places where you have to work harder to get what you want. (Click through to play with an interactive version of the map.) As you can see, large coastal cities tend to be more expensive than smaller towns in the center of the country. If you have a fixed budget, youll get more bang for your buck by buying a home in Oklahoma City or Sioux Falls than by living in San Francisco or Washington D.C. Its not just coastal cities, though. There are spendy pockets throughout the U.S. from Flagstaff, Arizona to Hot Springs, Arkansas. And some coastal cities Boston, Houston, Seattle, Tampa are relatively inexpensive. (In Boston and Seattle, though, thats because wages are high, not because things are cheap.) In the middle of our road trip, Kim and I decided to stay the winter in Savannah, Georgia. During our six months in Savannah, we spent much less than we would have for the same lifestyle here in Portland. According to the CNN cost-of-living calculator, Portland is 44% more expensive than in Savannah. (And housing costs nearly three times as much here as it does in Georgia!)
Tumblr media
In larger cities, there are often cost-of-living differences between neighborhoods. When deciding where to live in Savannah, for instance, we had a choice: We could rent a small apartment in the downtown historic district for $1750 per month. The place would have been a lot of fun because it was surrounded by shops and restaurants, and it was close to anything we might want to do.We could opt instead for a modest-sized condo on the outskirts of town at $1325 per month. This location was next to nothing. We could walk to the grocery store, but wed have to drive into the city if we wanted to indulge ourselves. After considering financial and lifestyle factors, we chose to rent the condo in the middle of the marshlands. On the surface, this decision saved us $425 per month. In reality, it saved us much more than that. If we had lived downtown, we would have had to pay to park the Mini Cooper ($95/month). We would have been constantly tempted to eat out or go for drinks. It would have been too easy for window shopping to become actual shopping. Instead, we enjoyed one Date Night each week. We spent the rest of our time working and exercising. I believe that opting for the less glamorous location saved us a minimum of $5000 over our six month stay and the real savings are probably far greater. Pinching Pennies in Portland This same concept certain neighborhoods costing less than others was a driving factor in our decision last year to sell our condo and move to the country. We loved where we lived, but the costs were crazy. First, there were the maintenance costs for a place that we ostensibly owned outright. Even without a mortgage, we were paying nearly $1200 per month for HOA fees, utilities, insurance, and more. (In our new place, we spend half that.)Plus, there was the sneaky cost of lifestyle inflation. Our condo was in a fun neighborhood filled with restaurants and bars. It was all too easy after a long day to simply walk up the street to one of our favorite spots, where wed drop $50 or $100 on food and drinks. Moving to our new place cut our restaurant spending in half.Lastly, the cost of goods in our new neighborhood is lower than in our old. In Sellwood, our grocery options were limited. And expensive. The nearest markets were both high-end organic-only affairs, the kind of places you might see on an episode of Portlandia. Yes, the quality was outstanding. But since weve moved, were spending about 25% less on groceries each month. Moving helped us save big on some cost-of-living items. But it also brought with it a few increases in spending. Because were more rural now, we drive more often. Kim, especially, is spending more on gas. Our new home also has greater maintenance costs than the condo. Weve poured a ton of money into this place since moving in. (I guess thats not actually a cost-of-living issue so much as a homeownership issue, though.) My point is that even within a city, there are cost-of-living differences you can leverage to your advantage especially if youre willing to live in a rougher part of town. The Bottom Line Obviously theres more to picking a place to live than pure price. When you choose a city (or neighborhood) to call home, you do so because of the climate, the politics, and the people. You want to live close to friends and family. You want a nice school district. You want people who think and act the same way you do. For those reasons (and others), Omaha might not be a good choice for you. (Savannah isnt a good choice for me long-term, but it was fine for a few months.) Heres the bottom line: Where you choose to live has a greater effect on your long-term financial success than almost any other factor. How much you earn is sometimes more important (not always), in which case cost of living is a close second. Cost of living can wreak havoc on your pursuit of financial freedom. Or it can help you achieve your goals sooner than you thought possible. The choice is yours. Other ways to make the most of your housing budget? Consider renting. Live close to where you work so that you can walk, bike, or take the bus. Purchase a house that fits your lifestyle and needs rather than the commonly cited buy as much home as you can afford. The latter is self-serving advice from real-estate agents and mortgage brokers. You dont need a big house; you just need someplace comfortable. https://www.getrichslowly.org/cost-of-living/
0 notes
flauntpage · 7 years ago
Text
NYC Softball Phenom Christina Crockett Is Living the DREAM
Over the past two months VICE Sports has been profiling 16 athletes as they evolve into national superstars. Keep checking back here to find them all.
The first game of the spring is still months away, but the East Harlem-based youth softball and baseball program DREAM keeps kids in training all year round. Even on a chilly Thursday evening in November, a dozen high-school girls happily show up to run fitness drills in the AstroTurf-covered basement of a community center on 116th Street. They lift tires above their heads and do squats as their coach, Rob Saltares, murmurs encouragement.
Christina Crockett isn't the first player you notice in this group. The high-school junior isn't a show-off or a smart-aleck. The most common word her teammates and coaches use to describe her is "shy." Lanky, with rectangular glasses framing thoughtful eyes, she looks a bit embarrassed while a photographer with VICE Sports shoots her portrait. Still, Christina is one of the top softball players in New York City, a formidable batter who also anchors the center field for the Saints, a DREAM-administered travel team of all-stars from throughout the citywide NYC RBI league. She also plays for Hunter College High School, where as a sophomore her .611 batting average, 17 RBIs, and 1.083 slugging percentage helped secure her a slot representing Manhattan in last year's Public School Athletic League Battle of the Boroughs, a sort of all-star game for local high-school players. "Typically, junior year is when colleges begin to approach players," says Saltares, whose history with DREAM goes back to 1998, when he was a ten-year-old baseball player in the program. He anticipates that come springtime, Christina will garner plenty of interest from recruiters, saying, "She's in a position where she could go anywhere she wants."
"In the past three years, she's become a leader on the team," Saltares adds. ""Christina is a person who balances things out—she has this calm personality, and she can be the voice of reason."
Laurel Golio
That maturity is essential to Christina's excellence on and off the field. Her knack for staying cool under pressure delivered a crucial victory for the Saints in last year's playoffs. Near the end of a game against a tough rival squad, The OLS Lady Twins. Christina's team was up by two runs, but their opponents had just gotten a pair of batters on base. "Then this girl hits the ball to me, and it bounces," she recalls. The runner on second base saw an opening to score, but as she rounded third, Christina threw her out at home. She's humble and measured throughout our conversation, but she flashes a big grin as she tells me, "That was a pretty long throw!" The play closed out the inning and allowed the Saints to advance to the next round. They ended up at the regional 18-and-under division's championship game for the second time in the past three years.
Along with anchoring Hunter's team and the Saints, a selective squad comprised of just 15 of DREAM's best players, Christina plays goalkeeper on Hunter's varsity soccer team, which makes the fall just as hectic for her as the spring, when she's playing both travel and school softball. On her busiest days, Hunter shuttles her to nearby Randalls Island to play soccer after classes, then she hurries home for dinner and schoolwork before heading back out to practice with DREAM. What's even more impressive is that she doesn't seem frantic or drained, like most over-scheduled kids. "I've learned to manage my time over the last few years," she explains.
The way she sees it, her sports commitments aren't a distraction from her academic pursuits, but a way of maintaining healthy habits that improve her focus in all facets of her life. "I don't play a sport in the winter. You'd think that when I have more time, my grades would be better, but they're not," Christina says. "I get the best grades in softball season because I'm the happiest. When I have a sport, I do my homework during lunch. I can't procrastinate. If I don't get enough sleep, I'll be tired for my game tomorrow. When I'm in season, I'll eat a healthier lunch—like, I won't get pizza. If I'm off season, it doesn't matter."
"Sometimes I think she has it more figured out than I do," jokes Saltares. It's stories like Christina's that present DREAM—as well as Major League Baseball's nationwide Reviving Baseball in Inner Cities (RBI) program, with which it is affiliated—as a free, more-than-viable alternative to the city's private school system for young softball and baseball players who hope to play in college.
Laurel Golio
Christina, who will turn 16 in December, is an ideal DREAM athlete—not just because of her talent on the field, or that she lives a block away from its East Harlem headquarters, but because she's equally ambitious as a scholar. Between two workout sessions, many of the students pull out their folders, pencils, and photocopies to get some homework done. The first adult I meet at the practice is Stefano Barros, DREAM's High School Leadership and Service Coordinator, who works to keep the kids' educational progress on track and organizes outings such as college visits. In addition to honing their skills on the field, DREAM participants attend mandatory, year-round classes and tutoring sessions aimed at giving them the same advantages wealthier kids have in the classroom, with the ultimate goal of shepherding the athletes through high school and into college. When they reach Christina's age, the options expand to include SAT prep courses, campus tours and immersive, multi-day trips to colleges like Marist and SUNY Old Westbury, where students often meet DREAM alumni who've matriculated.
As he often does, Barros watches the girls run their drills from the sidelines and playfully calls out the ones who aren't giving the exercises their all. Later, when questions about homework crop up, he's there to help with those, too. Not that Christina needs much in the way of help. Barros calls her a "quiet role model" and kvells about her stellar grades at Hunter, which is one of the most selective and prestigious public schools in the country. "You can tell that she just knows what she wants," he says.
Laurel Golio
Founded in 1991 as a modest, volunteer-run baseball league for 75 teenage boys under the umbrella of RBI, DREAM has slowly grown to address the academic, social, emotional, and family needs of over 2200 kids. Executive Director Richard Berlin, who joined DREAM as a volunteer baseball coach in 1994, explains that the evolution happened out of necessity: "The reality was that kids would come and go [from the sports program] because of life circumstances that were certainly beyond our control and often beyond theirs." Now, "playing on a baseball or softball team is the hook," he says. "We're thinking about longer-term outcomes that help kids and families break the cycle of poverty. To do that, you've got to start with kids very early and stick with them late."
The outcomes are remarkable. In a neighborhood where 42 percent of minors live below the poverty line and less than 40 percent enroll in college, DREAM has maintained a 94 percent college acceptance rate for its seniors since 2005. That academic success inspired the creation of DREAM Charter School, on 2nd Ave. and 103rd St., in 2008. Beyond East Harlem, the organization now runs extracurricular programs in the South Bronx and Newark, NJ. Formerly known as Harlem RBI, DREAM recently adopted its new name to reflect that broadened scope but continues to administer the MLB's RBI league for New York City.
Laurel Golio
When Christina joined her middle-school softball team in sixth grade, her knowledge of the sport was practically nonexistent. "I had no idea how to play," she recalls. "I was using my dad's old glove." She quickly fell in love with the game, but, as one of the youngest and least experienced girls on the team, she sat on the sidelines for her entire first season.
Determined to improve her skills and intrigued by the games and community events she saw happening on DREAM's field, she signed up for the program in seventh grade. At first, it was hard to find her place in a group of kids who already knew each other. Over the years, though, as she's become one of the veterans, Christina has grown close to the handful of other girls who've stuck around since middle school.
And they can't say enough nice things about her. It's no surprise that they're eager to praise their friend, but I'm struck by the specificity of their compliments. Milly Rodriguez calls Christina "hard-working, fun to be with, energetic, flexible." Bianca Mercado tells me that she's known for her speed, but also that "she brings the team together in a very positive way" and "wants to be the best person she can be." They stress how generous Christina is on the field, backing up her teammates and offering soft-spoken help.
It didn't take long for her to become a standout athlete, either. After a few months with DREAM, Christina was good enough to be a starter on her middle-school team. By then, she'd also come to appreciate the rigor of year-round training and the commitment of the kids and adults she met in the program. She formed a particularly strong bond with one longtime coach, DREAM's High School Program Coordinator Matt Gonzalez. "He strikes a good balance between fun and actual working," she says. "He makes sure at the end of practice we'll play a game or something."
Laurel Golio
Speaking to me over email, Gonzalez expresses pride in Christina's gradual transformation from shy seventh grader to team leader. "I'll always remember when she hit the game-winning home run in the 14-and-under semi-finals to send us to the championship," he writes. "One of her teammates looked over at me and said, 'Coach Matt, Christina is the real deal.'" That, he says, was the day she earned "an infinite amount of respect from her teammates."
DREAM also aims to strengthen the bonds between kids and their families. "Our kids typically come from tough family circumstances," says Berlin. "Almost everyone is living well below the poverty line, and that creates all sorts of pressure on kids and families," he says. "If we think we're going to help a kid move from vulnerability to resilience without the support and engagement of the family—well, anyone who thinks that is woefully mistaken." Games bring parents into their children's lives in an explicitly positive context, and DREAM staff makes a point of proactively forming relationships with families, instead of just calling home about behavior problems.
Christina's father is one of the program's most engaged parents, Barros tells me. In addition to attending most of her games, he also keeps up with what she's learning in DREAM's enrichment courses. "Sometimes it's weird when my dad's asking questions and poking around," she says, her obvious affection shining through the veneer of annoyance. "But it is nice when you have support on the sidelines."
Laurel Golio
Whether because of the MLB connection or just because of the unfortunate reality that boys' sports still get more attention than girls' sports, DREAM's baseball program makes more headlines than its softball program. But the girls' teams tend to make it to more championships. Barros doesn't hesitate to confirm that Christina and her friends are "better than the boys"—and often outperform them at school, too—but he laments that the girls "don't get enough shine."
That the softball program even exists is a testament to the determination of a previous generation of East Harlem girls. In DREAM's early days, Berlin tells me, "six young women who lived down the block marched into our then-300-square-foot storefront office to inquire, not-so-politely, 'How come only boys are playing?' It took a while, but that led to building a softball program that is on par with the resources, coaching, and attention that the boys get." Berlin notes that, as the current news cycle keeps reminding us, girls aren't exactly growing up in a feminist utopia. "But, if you want the world to be a certain way, better start at home," he says. "So we try to do that. There are amazing girls in our program, but there are also amazing women in our leadership." The organization's management team is over 60% female.
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DREAM recently became a minor character in Donald Trump's long, quixotic battle with the NFL over Colin Kaepernick's act of kneeling during the national anthem in protest of police brutality. Kaepernick and his partner, the Hot 97 radio personality Nessa, paid the program's charter school a visit on the same day that a reporter with CBS Sports falsely claimed that Kaepernick would stand for the anthem if the NFL rescinded its rumored blackballing of the quarterback. Rather than use his appearance to address the issue, his talk stressed the importance of speaking out against injustice, even when it feels most difficult. GQ recently named Kaepernick its Citizen of the Year, and a video accompanying the feature captures him hugging and laughing with some awestruck DREAM students during that visit.
As momentous as an appearance by a figure such as Kaepernick may be, DREAM also excels at creating its own role models. Among its full- and part-time staff, about 20 are alumni of the program. Meanwhile, older athletes such as Christina have opportunities to mentor the program's youngest participants. As part of a work experience initiative, she wrote a resume, interviewed and landed a job in DREAM's summer program, where she's spent the past two years coaching and teaching five- and six-year-olds. "I worked with some of the same kids both years," she says. "It was really cool to see how they got better. Some of them didn't know which hand the glove went on, and [the next summer] they were the ones teaching other kids which hand it went on."
The gig opened Christina up to the possibility of working with children when she's older. Although she hopes softball will play a part in her adult life, she idolizes Michelle Obama more than any sports star—she tells me she can imagine becoming a teacher. But she's understandably wary of committing to any career path yet. She just took the SATs and intends to sharpen her focus in college and, if all goes according to plan, continue her studies in grad school.
As she patiently builds a promising future with help from Matt, Rob, Stef, her family, and her teammates, it's the concrete victories softball provides that sustain Christina. She waxes rhapsodic on the small, tactile pleasures of smashing her bat into a ball or trapping a pop fly in her glove, her eyes going dreamy as she enthuses over "the sound the bat makes and the feeling you get. There's nothing else like it, you know?"
NYC Softball Phenom Christina Crockett Is Living the DREAM published first on http://ift.tt/2pLTmlv
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