#do not ask me how this fits in to the approximately 50 different timelines that have spawned

[thedragonagelesbian]

Anders: So, you and Cyrus.

Varric: Is this where we find out that you're the jealous type, Blondie?

Anders: What? No, I... I just wanted to say it seems nice. He deserves nice.

[xiyao-feels]

i've seen takes that jgy started playing turmoil before the staircase, aka wwx comments that it would take 3months for turmoil to kill nmj (ch64) so obviously jgy started playing it a long time ago, causing all of nmj's anger, all of that was his fault.

but also the novel says that jgy made a decision on the stairs or gave something up then a few days later played for nmj (ch 49) and like...idk what that could be except for killing nmj, is there something else this could be?

is wwx right? is mxtx bad at timelines? is nmj kick 3 months in the past, what is the time between 49 and 50 (when nmj dies in 2mo)

idk this whole thing is fuzzy and if you have any clarification or insight i'd like to hear it

-🦊

Fox anon! I'm glad to hear from you, and I hope you're doing well. I'm sorry I took so long to answer this—I was trying to be thorough, you all can judge whether I succeeded.

Now, I think the first thing to note here is that WWX actually and explicitly observes the Song of Clarity working when JGY is playing for NMJ before the stairs (ch 49):

Since then, Jin GuangYao would travel from Lanling to Qinghe every few days, playing Sound of Lucidity to help quell Nie MingJue rage. He tried his hardest, without speaking even a single word of complaint. Sound of Lucidity was indeed effective. Wei WuXian could clearly feel that the hostile energy within Nie MingJue was being suppressed. And, when playing the guqin, the way that the two conversed and got along even had a hint of the peace they had before they fell out. He began to think that maybe the so-called busy reestablishing the Cloud Recesses was just an excuse. Perhaps Lan XiChen simply wanted to give Nie MingJue and Jin GuangYao a chance to ease their tension.

(emphasis mine)

I think this is pretty conclusive. WWX's observations on the spot override his conclusions after a) being extensively soaked in NMJ's anger/resentment (ch 48-50) b) the entire drama afterwards at Jinlintai including being stabbed through by Jin Ling (ch 50) and c) resting and recovering for four days (ch 63).

Moreover, let's look at what WWX actually says in chapter 63:

Wei WuXian, “Jin GuangYao’s spiritual energy isn’t high. He wouldn’t have been able to take someone’s life with just seven notes. And killing him this way would’ve been too obvious. He definitely wouldn’t have chosen a song so powerful. But, if he could use the reason of playing the Song of Clarity for ChiFeng-Zun to calm his temper and continued to play it for three months, would the song be able to act as a slow poison and catalyse ChiFeng-Zun’s outburst?”

He's asking LXC questions about Turmoil, because it's new to him and he doesn't understand everything about it. I think it's pretty clear here that he's starting from how long he saw JGY play for NMJ, and asking if that would be long enough, rather than definitively stating that it would have to take three months; nor is there anything in LXC's response ("… Yes") that suggests three months is any kind of necessary minimum.

So those are the facts at hand. And imho if you look at the text in the later Empathy, there's a great deal of supporting evidence as well. There's the moment you mention, where JGY seems to be making a decision:

Nie MingJue, “Then why don’t you sacrifice yourself? Are you any nobler than them? Are you any different from them?”

Jin GuangYao stared at him. A moment later, as though he had finally either decided on something or given up on something, he replied calmly, “Yes.”

He looked up. In his expression were some of pride, some of calmness, and some of a faint insanity, “I and they, of course we are different!”

I agree with you, he's deciding to give up on NMJ—and if it's something else, what is it? If JGY isn't giving up on getting through to NMJ here, what function does this line serve in the text?

And I think it's worth noting here, as I've noted before—when JGY is talking about how different his and NMJ's positions are, he says "Your background is noble and your cultivation is high"; and the "Your background is noble" part is 你出身高贵, with the 高贵 being the "noble" part. When NMJ is asking him "Are you any nobler than them? Are you any different from them?" the "Are you any nobler than them?" is 你比他们高贵吗—so the "noble" part is, again, the same word, 高贵.  Given that JGY has just spent a great deal of breath explaining that he is different from NMJ precisely because of his less-noble background, this is very much a pair of questions that might quite justifiably make JGY feel like NMJ is just completely not understanding anything he is saying here at all. 

Besides that moment, there is the way he approaches or interacts with NMJ, which is quite noticeably different after the stairs. If you look at the beginning of the stairs, he's trying to convince NMJ to let the XY thing go: he says that if XY is locked up for life and can't hurt people, this isn't too different from him being executed, and then when NMJ does not accept this, points out that it's JGY's father's command and he cannot simply go against it as NMJ wishes. Once JGY loses his temper, he is still presenting arguments for his position—which granted is now approximately "you're being a hypocrite and you don't understand things", but he is still arguing for it—that is, he is still trying to reach NMJ; he is acting as though on some level he believes he can get through to him. 

But in attempting to convince NMJ about XY, he is not acting like someone who expects that NMJ is right about to die; because if he were expecting that, he could simply say whatever he likes to put NMJ off, knowing that he won't actually have to pay up. Similarly, in attempting to get through to NMJ via argument, however angrily, he is not treating NMJ as purely an object to be manipulated; NMJ's beliefs matter to JGY separately (I am not saying /only/ separately) from what those beliefs lead NMJ to do. To put it another way: he cares about what NMJ thinks. This too is something that prevents JGY from simply telling NMJ whatever he wishes to hear, and this, too, is lost at the stairs.

For after the stairs, telling NMJ what he wants to hear, and just telling NMJ something that will put him off because he knows or hopes he won't have to pay up, are exactly what JGY does. When he shows up at the Unclean Realm a few days later, he tells NMJ he's here to acknowledge his mistakes and that he's realized NMJ is "doing this" for him; he promises to bring NMJ XY's head in two months, and tells NMJ he can do whatever he likes with him if JGY does not. This is a significant change in behaviour from before the stairs, and in consideration with all the other evidence it seems to me that this is because, post-stairs, he no longer values what NMJ thinks of him, and he is now gambling on his killing NMJ before NMJ kills him.

The only area where he does push back now is NMJ's treatment of NHS, I suspect because he worries about what NMJ might do or continue to do to NHS in his remaining two months of life.

So: I really do think the evidence is pretty clear that JGY starts with Turmoil after the stairs, in that it is directly signalled by the text and in that all the evidence around it backs this up.

That said, I have seen other objections raised by various anti-JGY folk, and while some of them have more merit than others I think it's worth taking the time to go over them.

-JGY couldn't possibly have prepared the Turmoil music in the few days between the stairs and him starting to play for NMJ after.

Yes, I agree; he must have had it prepared earlier. But that only means that he had it prepared, not that he was using it, and while there are certainly people who will only prepare a weapon if they are sure they will use it, I really don't think JGY is among them. He might also have prepared it as evidence for his father that he was working on solving the problem.

-WWX didn't notice a difference between the music JGY was playing before the stairs and the music he was playing after; therefore, it must be the same music.

Honestly, I think that WWX just didn't notice. It's explicitly described as very subtle, and indeed he can't tell the difference between the altered passage and the rest of the song (ch 63):  

Wei WuXian withdrew the flute from his lips, “It really is this section? But I don’t find this section different at all.”

And he again observes how similar they are in chapter 64:  

And he combined them so well. They sound as though there were the same. His musical talent is indeed excellent.

His repeated observation that they sound just the same suggests that he could very well have failed to notice, I think, and indeed he would have heard the altered version more often.

There is also another explanation, entirely compatible with JGY only using Turmoil after the stairs. WWX says of JGY playing Turmoil that he must have "used little spiritual power" during the Clarity sections, and "only exerted power" during the Turmoil section (ch 64). So if we think WWX would definitely have noticed the difference, there is an explanation for how he nevertheless very clearly observed NMJ's hostile energy suppressed by the music; JGY might have been using his power during the (much longer) Clarity part, and only used a very little during Turmoil. Personally, I think that it fits better with the overall emotional arc if JGY didn't change the music he was playing until after the stairs; but I accept this isn't ruled out as a possibility.

I feel obliged to note that at one point, after I was challenged on the issue of JGY changing the music after the stairs and pointed out WWX noticing NMJ's hostile energy being suppressed, as above, I was offered as an explanation for the passage that JGY couldn't possibly have abruptly switched to Turmoil right away when he started playing for NMJ, because NMJ would have noticed that he was suddenly feeling worse; and that therefore WWX clearly feeling NMJ's hostile energy being suppressed was not really evidence that JGY was playing Clarity and not Turmoil before the stairs. But I disagree with this, on two counts.

First, it is not clear to me that NMJ would in fact notice. He does not seem to be very self-aware about the effects of the sabre curse. He explicitly denies it at the stairs, for example: "I am not [in turmoil]. I know what I'm doing" (ch 49). After he burns NHS' things, when JGY asks him if he's told NHS about the sabre curse yet, NMJ asks "Why would I tell him so soon?" even though at this point he is quite clearly being affected (ch 50). And when he kicks open the door to kill JGY in chapter 50, he seems not to think about the curse at all. Of course this last is moments before he qi deviates and dies and is therefore perhaps not representative, but it fits with the general pattern; I don't believe we ever see him consider whether his anger might be because of the sabre curse, and indeed he is hardly given to questioning the righteousness of his anger in general.

Secondly, and more abstractly...WWX observing the hostile energy being suppressed—"clearly feel[ing]" it being suppressed (ch 49)—may not be /literally/ incompatible with the idea that JGY changed music after the stairs. But a story isn't just a collection of facts, and I think by far the most natural interpretation of this, in context, is that JGY is playing Clarity and not Turmoil. Which is not of course to say you can't have a resistant reading here, but I think it's generally good practice to acknowledge when your readings are resistant readings, and especially if you have a resistant reading not to say it is the only possible reading of the facts.

-JGY has no motive for playing for NMJ other than wanting him dead.

If we assume rather that he doesn't want him dead, he pretty clearly has a motive to help keep NMJ's temper under control, both on a personal level (so NMJ doesn't attack or embarrass him) and on a political level (so NMJ doesn't lose it and embarrass JGS). I would also like to note that although it was some time ago, and it seems likely that even before the stairs JGY's feelings about NMJ are not as positive as once they were, we have seen JGY go to quite heroic lengths to save NMJ's life before, when he saves him from Wen Ruohan by misdirection and assassination then drag/carries his unconscious body rather than leave him there and make good his own escape.

-The stairs and the fan burning both happen before JGY starts playing for NMJ after the stairs; NMJ wouldn't do either of those things in his right mind…

I agree; the Nie have to deal with the sabre curse. I think it's worth pointing out, too, that aside from Clarity we don't see NMJ take any measures to try to deal with the curse, either directly in addressing the curse itself, or by preventing himself from acting excessively under the influence of the curse; it shouldn't be surprising, then, that the curse can cause such drastic incidents.

-…and the sabre curse wouldn't be strong enough.

This one really confuses me as an objection, I'm going to be honest. We can be pretty sure NMJ would have qi deviated eventually, Turmoil or no. NHS says this in chapter 26:

"The sabers of our past sect leaders were all heavy with hostile energy and killing intent. Almost every single sect leader met a sudden death from a qi deviation explosion. Their irritable tempers also had a lot to do with this."

(As a side note: the missing paragraph in the ER translation right after this has I think occasionally led people to the conclusion that it is the qi deviation and such that WWX suggests is similar to demonic cultivation, as opposed to the sabres turning murderous after the deaths of their owners—you can see the Taming Wangxian and the MDZS Translation versions for the full context of the exchange.)

So NMJ was almost sure to qi deviate eventually! Moreover, he would have greatly strengthened the sabre spirit through his extensive use of Baxia during Sunshot, and after the war he continues to pursue cultivating with the sabre, without, I think, any sign of moderation. And it seems likely that he is already showing recognizable symptoms of the curse by the time JGY starts playing for him alone, as Clarity seems intended to slow the progression of the curse and also like something relatively newly introduced—they don't seem to have been doing this since Sunshot just in case, or anything. So how then could we be sure that the sabre curse on its own would be insufficient?

-NMJ wasn't at all violent before JGY started playing for him

This is simply not true. Unfortunately we don't see much of him outside of Empathy, but looking exclusively at things that happen before JGY starts playing for him:

His reputation in Sunshot is about his destroying the Wen, contrasted with LXC's which is about saving people (ch 48):

During the Sunshot Campaign, stories of praise were told about all three of the Venerated Triad. The ones of ChiFeng-Zun were about how he swept over all obstacles, leaving not even a trace of the Wen-dogs after he finished. ZeWu-Jun—Lan XiChen—however, was different from him. After the situation of the Gusu area had settled down, Lan QiRen was able to defend it with great tenacity. Thus, Lan XiChen often travelled to aid others, saving lives from danger. In all of the Sunshot Campaign, he had countless times recovered lost territory and assisted narrow escapes. This was why people were ecstatic whenever they heard his name, as though they gained a ray of hope, a powerful trump card.

The description of his reaction to seeing MY kill the Jin captain pretty strongly suggests his initial reaction was to attack MY on the spot (ch 48):

Nie MingJue saw all of the scene. Without saying a word, he unsheathed his saber by an inch. A sharp ring pierced through the air.

Hearing the familiar sound of unsheathing, Meng Yao immediately trembled. He spun around, his soul almost evaporating, “… Sect Leader Nie?”

Nie MingJue pulled all of his saber out of its sheath. The body of the sword glared brightly, yet the blade itself vaguely glinted in the red shade of blood. Wei WuXian could feel the billowing anger from him, along with emotions of disappointment and hatred.

Meng Yao knew Nie MingJue’s character more than anyone else. He dropped the sword with a clang, “Sect Leader Nie, Sect Leader Nie! Please wait, please wait! I can explain!”

Even after he's listening, he ends up grabbing MY by the collar and lifting him up (ch 48). 

When he's explaining what happened with MY to LXC, he announces his intention to kill MY if he ever sees him again (ch 48), and after MY kills WRH, saving NMJ's life in doing so, and is carrying him out afterwards, he grabs his sabre from MY's hand and tries to kill MY again (ch 49). He only stops when LXC physically blocks him, and changes his mind after LXC explains that MY was in fact a spy, and I think it's worth noting that WWX believes that MY would probably have died under NMJ's attacks before LXC arrived if NMJ hadn't been heavily injured (ch 49). We're also told the brotherhood oath 3zun swear is unusually violent, in a way JGY suggests, and which LXC notably does not refute, was decided by NMJ (ch 50). Finally, while this summary of NMJ's interests is arguably from WWX's perspective, it is still notable that the only two things he's apparently interested in are "training his saberwork and killing Wen-dogs" (ch 49)—which is to say, the study of violence, and a particular and fatal application thereof. 

(Totally unrelated fun fact: I was looking at the entrance to the Phoenix Mountain Hunt for this too and apparently NMJ is seventh on the young cultivators list (ch 69). The more you know!)

I want to be very clear that I am not saying that all of NMJ's violence is unreasonable or not understandable. But that it can be reasonable and understandable does not mean that it is not violent; and it is certainly not the only reaction a person could have to the events he's reacting to. Contrast LXC, as someone rather on the other end of the spectrum.

-If NMJ were violent, JGY wouldn't risk his life killing him via Turmoil (and therefore NMJ must not be violent)

Even aside from the extensive textual evidence for NMJ's violence, I don't think this holds together. As shown above, I think it's quite clear that NMJ was in fact always a violent man, but there is absolutely no question that he's violent to JGY in his last months of life, and if you think JGY started playing Turmoil for NMJ before the stairs, then it's really extremely clear that JGY was willing to risk NMJ's violence in killing him! I think the clash between JGY's desire to live and the evident risk to his life from killing NMJ with Turmoil actually supports the position I am arguing here. Assuming we are agreed that JGY is attached to his own life, and as it's clear that as NMJ approached his end he was a danger to JGY (regardless of how that end was induced!), why was JGY playing him Turmoil?

I think the stairs make it clear to JGY that his life is not safe while NMJ is still alive. Using Turmoil, therefore, becomes a gamble he is willing to take, though still an enormously risky one: on the one hand, it appeases his father and enables him to promise NMJ he can do whatever he likes with JGY if he doesn't kill XY in two months (ch 50), a promise he obviously and understandably has no intention of keeping. But on the other hand, if NMJ doesn't die within the two months, he probably will simply kill JGY—and more than that, given his focus on JGY, he may kill JGY anyway, for some much more trivial reason. Indeed, this is exactly what almost happens just before NMJ's death, when he kicks open a door and attempts to kill JGY on the spot because JGY was complaining to LXC about NMJ's treatment of him; if LXC hadn't blocked NMJ's sabre, JGY would almost certainly have died (ch 50). But as risky as this gamble is, it is still a better bet than waiting around and hoping LXC always saves him when NMJ tries to kill him—especially taking into account the risk from his father should he do so.

-The stairs incident was good for JGY and bad for NMJ, which is evidence that JGY arranged it on purpose

...I have a lot of things to say about this position. None of them are very nice. However, as I am in fact trying to argue in good faith, I will attempt to address it as an argument.

I think this comes from a confusion of the fandom reaction to the stairs with the in-universe reaction to it. To people now, yes, looking at this makes NMJ look bad, and inspires sympathy for JGY. In-universe, however—when NMJ publically assaults JGY and tries to kill him, when he calls him Meng Yao, when he shouts he's the son of a prostitute, it's not /NMJ/ who looks bad. NMJ of course is righteous in his anger; really he's only putting that boy in his place, don't you think? I knew Chifeng-zun didn't really accept him. Etcetera. It /weakens/ JGY's position, because the cultivation world does not have the same beliefs and priorities and value judgements that we do!

Certainly if he'd actually managed to kill JGY he would suddenly have found that he had killed JGS's beloved son, the only remaining son of the Jin, a war hero, his own sworn brother who had saved NMJ's life etc etc etc. But only because then there would have been political advantage in it for JGS, and quite substantial political advantage too, and he wouldn't have to deal with JGY being around anymore. As it stands, all NMJ's actions at the stairs do for JGY is tell the world that he is vulnerable and weak and disgusting. The only significant person in-world who would find JGY more sympathetic after this incident is LXC, and frankly a) he is already deeply in sympathy with JGY and b) we don't see JGY playing it up—after LXC's appearance at the stairs rather he minimizes and soothes things, and even when we overhear his complaints to LXC around two months later he is talking about what NMJ thinks of him, and not the physical danger NMJ poses.

I will also observe that while JGY does end up losing his temper, he starts off soothing even through NMJ's first attempted assault, and only loses it after NMJ calls him Meng Yao and says "your whole thing stopped working on me since a long time ago" in front of everyone; this attempted conciliation seems an odd thing to do were he in fact trying to manipulate NMJ into assaulting him, trying to kill him, embarrassing him and weakening his position in public. You could argue that NMJ would be more angered by JGY's attempts to be soothing than he would by JGY's directness, and thus the soothing could be read as provocative, but this simply isn't backed up by the text; while NMJ was obviously already angry before JGY lost his temper, he nevertheless escalates significantly after JGY talks back.

Moreover...I think what NMJ actually does and tries to do at the stairs, in terms of violence, is sometimes not fully grasped.

The first thing he does once they're properly outside is try to hit JGY, though fortunately JGY manages to dodge. When NMJ kicks him down the stairs, even aside from calling JGY the son of a prostitute, JGY ends up rolling down more than fifty steps and acquiring a head wound—/another/ head wound, because he already had one, apparently from the physical abuse he receives at Jinlintai from Madam Jin. And finally, NMJ actually /unsheathes his sabre/ and, after LXC approaches, announces his intention to kill JGY:

Lan XiChen, “Brother, sheath your saber first—your mind is in turmoil!”

Nie MingJue, “I am not. I know what I’m doing. He’s beyond hope. If these keeps on going, he’ll do the world harm for sure. The earlier he’s killed, the earlier we can relax!”

(ch 49)

When I say that NMJ almost killed JGY at the stairs, I am not just talking about kicking him down the stairs, although that certainly could have killed JGY. I am talking about drawing his sabre on JGY with the intention of killing him. JGY would very likely have died if LXC hadn't thought they were taking too long and come to see. 

JGY can certainly take enormous risks when it's necessary—but for a risk like this he would have to be gaining something extremely significant, and I remain unconvinced he was gaining anything at all, let alone anything worth the cost.

-NMJ's actions at the stairs and his burning NHS' things are completely unrelated to any of his previous actions and motivations.

In fact, although they're certainly both significant escalations, I think that in both cases NMJ's motivations and actions draw extensively from preceding characterization.

Consider the stairs. The direct classism is certainly new, but there are several other elements that have already been established as part of NMJ's characterization: the tendency to violence, the investment in JGY behaving correctly even while ignoring incorrect behaviour around him, the approach to justice both in his particular and frequently-retributive idea of it and in his commitment to that idea, and a failure to understand the realities of JGY's position.

The violence I discussed above, and the failure to understand JGY's position has I think been discussed sufficiently elsewhere and besides would be a full post in its own right. As to NMJ's approach to justice, you can see both idea and commitment to it in his anger to the men speaking badly of MY (ch 48) and his appreciation and promotion of MY for his accomplishments (ch 48); his initial intention to kill MY after he catches him killing the Jin captain (ch 48), his subsequent insistence that MY turn himself in to the Jin (ch 48) and his intention to kill MY for his betrayal after MY tricks him and escapes (ch 48); his initial insistence that MY should pay for killing the Nie cultivators, even as he acknowledges that MY saved his life and says he will kill himself after he kills MY (ch 49); and of course in his insistence that WQ and WN should pay for their complicity with WRH, even in the face of LXC and JC's defense of them (ch 73). And in describing LWJ as "absolutely [unable to] stand wrongdoings, possibly even more than Nie HuaiSang’s brother" (ch 30), WWX implies a great deal about the extent of NMJ's inability to stand wrongdoings. Of course, not all of these instances involve NMJ seeking violent retribution as justice, but a significant portion do—about half—and it is certainly a recurring theme. This approach to justice, I should add, is certainly involved in attempting to punish JGY for his misdeeds by killing him, but it is also part of why he is so upset in the first place: in NMJ's view of things, holding XY in prison instead of executing him for his crimes is failing to see justice properly done.

The investment in JGY behaving correctly, even while caring less about the behaviour of other people around him doing the same, is likewise an established character note. WWX concludes that NMJ's desire to guide JGY is one of the main reasons he agrees to the brotherhood (ch 49); we see his disapproval of JGY associating with XY, who already has something of a bad reputation, at the Flower Banquet (ch 49); at the conference after WWX rescues the Wen, when JGY backs up his father's lie about what WWX said about JC, NMJ seems to mark it more heavily than JGS' initial lie (ch 73). And then, of course, there is this, from the scene just before JGY starts playing for NMJ (ch 49):

In reality, it wasn’t that Jin GuangYao could calm Nie MingJue’s anger, but that since Jin GuangYao came, all of Nie MingJue’s anger would be directed at him alone, having no time to scold others. Thus, there was nothing wrong with saying that he was Nie HuaiSang’s knight in shining armor.

While NMJ's actions at the stairs are certainly not something he'd have done without the sabre curse, and again the direct classism is new, it nevertheless very much ties in to his preexisting characterization.

What about the burning of NHS' things? Again, many elements of the situation derive from NMJ's preexisting characterization; in this case, his tendency to release his anger on physical objects, his desire for NHS to be a strong cultivator and his angry displeasure with NHS' actual interests and capabilities, and his threatening to burn NHS' things.

Although prior to the burning of NHS' things it seems to be usually a momentary lashing out, NMJ definitely has a history of releasing his anger on physical objects. When he is annoyed at the men speaking badly about MY, he knocks down (or carves up? the English is unclear) a boulder at the front of the cave (ch 48); when he decides not to kill MY after LXC explains MY was their spy, he carves a boulder in half (ch 49); and he cracks the top of a table by bringing his palm down on it in the scene just before JGY starts playing for him (ch 49).

As to NMJ's desire for his brother to focus on and do well at cultivation, and his displeasure at NHS' actual areas of focus, this is perhaps one of his most consistent beats of characterization. We see it in our introduction to NHS at the Cloud Recesses lectures (ch 13); in NHS' plea for WWX's help with the test (ch 14); in LXC's message to NHS from NMJ and NHS' reason for staying in CR instead of going to Caiyi Town (ch 16); in WWX's reminiscences about NHS after discussing the "Man-Eating Ridge" with the "know-it-all of Qinghe" (ch 21); in NMJ and LXC's discussion when NMJ brings LXC NHS' sabre during in Sunshot (ch 48); and of course in the scene just before JGY starts playing for NMJ, both in his initial anger at NHS' preoccupation with the fans and uncertainty about his sabre's location, and in his dismissal of NHS as a "good-for-nothing" even after his temper had faded (ch 49).

The threatening to burn NHS' things, on the other hand, I believe we only see once, and really in the form of "instructing NHS to burn certain specific things of his"; but it is in the very scene before JGY starts playing for NMJ, as NMJ tells NHS to burn the fans he has just been going over tenderly before JGY interrupts (ch 49).

Indeed, I think that scene in general is very much worth a look here, for what it has and for what it doesn't. On the one hand, we do see NHS' fear of NMJ—he literally falls to his knees in terror, and stutters even after getting up! But he also seems fairly comfortable after the worst of NMJ's anger passes, and when NMJ sends him off he goes not to his room as instructed, but to the living room for the gifts JGY has brought him. Yet many of the elements of NMJ's later destruction of NHS' things are present here, and to my mind one of the most important things about the scene is its illustration of what prevents NMJ from carrying out the threats he made in his anger. It's not that he's convinced he's being unreasonable—indeed, he doesn't seem to consciously change his mind at all. Instead it is simply that repeated interruptions and NHS's ridiculous appearance as he greets JGY end up draining his temper, and with his temper drained he no longer pursues punishing NHS. But this has obvious implications for what might happen if NMJ's anger did not diminish, and I think it's quite clear how the behaviour NMJ exhibits in this scene could lead to NMJ burning NHS' things simply by giving him a more sustained burst of temper, even as it is not something NHS ever expected to happen, or something that would happen had NMJ's temper not been worsened by the sabre curse.

To conclude this section—while NMJ's actions at the stairs and in burning NHS' things are certainly unprecedented in themselves, they are nevertheless solidly rooted in NMJ's preexisting characterization, and it's easy to see how the sabre curse could lead to these extreme escalations. 

To conclude the post, I think the direct evidence is quite clear that JGY was playing Clarity before the stairs, and I think the indirect evidence also significantly supports it; nor am I convinced by various objections I have seen, for reasons I hope I have conveyed.

[quitblow5-blog]

‘For artists, work ethic and intelligence are just as important as talent.’

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Since then, APG, which now employs more than 40 staff, has developed and broken stars including Bazzi, Charlie Puth, Kehlani, Kevin Gates and NBA Youngboy, as well as an electric array of songwriters such as Hitmaka, Yung Berg, Amy Allen and Madison Love.

Most recently, Los Angeles-based APG unleashed Ava Max, who hit No.1 in many territories this year including the UK, Sweden, and Germany with international smash “Sweet But Psycho”.

Caren began his career aged 17 with Atlantic Records, and later served as Co-President – alongside John Janick – of the relaunched Elektra Records (Bruno Mars, Ed Sheeran, Cee Lo Green) between 2009 and 2012.

MBUSA recently sat down with Caren within APG’s Fairfax studio complex to ask him all about his A&R philosophy, and where he sees the future of multimedia going in the next few years…

Tell us a truism about the music industry.

So much of what moves the needle in this business is just about listening – really listening. When a label or publishing exec has a 60 minute meeting with a producer or songwriter, once you’ve caught up with each other, you’re already 30 minutes into it, and only then do you start listening to music.

That leaves you 25 minutes to listen, and consider eight to 10 ideas. Then the meeting is over – and you haven’t even cracked the surface. If you’d allowed for 90 minutes of music, you would probably have found something really special.

So for that last 20 minutes, I might ask you to [hand over] everything you haven’t played me – whether you think I might or might not like it. Then I’m actually going to listen to it all and hear the stuff that other people don’t get to.

You employ more than 40 people at APG, and you’re expanding. Can you actively keep the roster here capped at certain size?

Yes. We started in the publishing world, where I felt that one A&R executive couldn’t really have a high impact on every one of their writers unless they were limited to approximately 10 writers.

I noticed that at most of the major publishing companies, when I talked to executives, their personal roster would be over 50 writers. I found it hard to believe that they would be able to deliver something significant for every writer with that roster size. Records is about a smaller amount of artists, but it’s also about building teams.

People with different perspectives, different skill sets all working together, learning from each other and bringing different things to the table. I work with people that have so much passion and intelligence and determination. This company is a sum of those parts. There’s 40 people here that have the impact of 150.

What would you say is the defining A&R philosophy of APG?

We believe that work ethic and intelligence are just as important as talent. A smart and hardworking creative will keep improving whereas someone without that work ethic or vision might creatively just tread water, or even decline in their quality.

“We work with [talent] for days, weeks or even months before we sign a deal.”

The biggest thing is getting to know writers and artists personally. We work with them for days, weeks or even months before we sign a deal. We will often lose a deal because somebody – after working with APG – is rushed elsewhere in the industry by a bidding war or whatever. And if that happens, it’s okay. It wasn’t meant to be.

Why is getting to know artists properly so important to you?

Ideally, you want to enter a relationship that’s a decade or decades- long. You can marry the first person you kiss, but I think it’s better to go on more dates and ask a lot of questions to see if your vision of the future is aligned. When you have tough conversations upfront, it leads to better conversations for years to come.

Give us an example of a tough conversation with an artist.

Those conversations revolve around expectations, timeline, patience, vision. I love artists that have huge goals and who know several moves they want to make to get there – who aren’t expecting to make it all in one single play. I love songwriters turning into artists too, because they’ve had this passenger seat in other artists’ careers to which they’ve contributed. The writer-turned-artist has seen other artists making tough decisions, and what the results were, which helps them avoid their own mistakes and pitfalls.

“If you just try to protect artists from making those mistakes, it doesn’t help, because when they become very successful, they will ultimately take all the big decisions; your job is to prepare them to make great ones.”

APG is the best at amplifying, investing in and turbo-charging artists who have a lot of ideas. And the best ideas always come from artists. It’s always better to let an artist make a mistake, because when a smart artist makes a mistake, they learn from it. If you just try to protect artists from making those mistakes, it doesn’t help, because when they become very successful, they will ultimately take all the big decisions; your job is to prepare them to make great ones. You can’t shelter talent early on, then expect people to act like an experienced artists when they’re successful.

How do you feel about the number of songwriters behind the majority of hits today?

The other day somebody sent me a video with Bob Marley, One Love and said, ‘What an incredible song and songwriter.’ I said, ‘Yeah, Curtis Mayfield was a fricking genius.’ They said, ‘Are you kidding? That song was written by Bob Marley!’ It’s a co-write. Curtis Mayfield and Bob Marley. And if Bob Marley can co-write, anyone can co-write.

One defining modern A&R trend is that of collaboration. Two people from largely different genres cross-pollinating fan bases. What do you make of that trend, and does it ever concern you?

I saw an exhibit of Picasso and Matisse years ago. They were friends and they did interpretive pieces of each other’s work. Their artistry was so clear when they did so. Anything that allows someone to demonstrate creativity and originality is an amazing vehicle – but the song [has to be] organic and creative.

Why did you started APG in the first place?

First, I had been working as an A&R person at Atlantic for 10 years. Having been in one company for so long, I wanted a different experience and I wanted an entrepreneurial experience.

I built a lot of trust at Atlantic, so they allowed me to create a partnership venture with them. But I operated it independently, and I love to experiment. Every session is an experiment; every marketing idea is an experiment; every day here is about experimentation.

“I had this philosophy, this is 15 years ago, that songwriters and producers are artists in their own right.”

And second, I had this philosophy, this is 15 years ago, that songwriters and producers are artists in their own right – and that a publisher could publish their songs and get them paid, but could also treat them as an artist and A&R them in that way, providing the introductions, the insights, and the resources that labels provide to artists.

It was a learning process because I didn’t know about publishing, and I didn’t have the budget to chase hits, so we had to be bold.

Why is so much A&R focused entirely on the new – the thrill of ‘breaking’ something?

Out of anything in this business, I get the most satisfaction from seeing other people with their first big successes: their first hit song; their first platinum record; their first sold out tour; their first song on the radio.

Every time a new artist, a new writer has an experience like that, it’s contagious. To me, that’s more powerful than congratulating someone on their fifth of sixth platinum album. It’s an honor to make music – it’s exciting and it’s an adventure.

I’m really proud of the artists and writers that have been successful, but I’m just as proud of the executives. That goes for the team here, but also people that have previously worked or interned here and moved on. I root for their success.

“Every time a new artist, a new writer has an experience like that, it’s contagious.”

Right now, I’m in awe of A&R moves from Miles Beard (pictured), Jeff Vaughn, Tizita Makuria, Eli Picarretta, Edgar Machuca, Matt MacFarlane, Lisa Mottahedeh, David Phung, and Dan Snyder, all of whom landed their first A&R roles here – several starting as interns or assistants – and all of whom have signed Gold or Platinum artists or writers, or had hits this year.

But I’m also thrilled to see fast career growth and broadening responsibility from vets that joined us such as Elyse Rogers, Angie Pagano, Mike Mathewson, Olly Sheppard, Jessica Kelm, and the list can go on. Fifteen years in, I look around and see our team members thriving, and people who’ve cut their teeth with us at pretty much every label, from A&R Executive to Chairman.

APG takes a white label approach with its artists – your brand is kept on the sidelines. Why?

We’re too broad to create a single, forward-facing brand. The great labels that I love had, and continue to have today, sonic consistency. They had a cultural voice and a specific niche, with a sound or a through line.

I lean in to creative people; we’re not going to not sign an artist just because they don’t fit in with other artists on our roster, or not work with an executive because they’re a certain type. There are no rules and no limitations to who APG works with. We just want to work with people for whom we can deliver more than anyone else out there.

Also, I love our entrepreneurial artists and I don’t want to take away from their opportunity to build their brand – both their artist brand and their company brand. I love it when an artist’s dreams include everything from festivals to clothing to charitable organizations. If I can help build an artist’s brand, it’s one more resource that we’re providing that I don’t think many others offer.

What makes a good artist manager?

One, they have to have enough experience to know that everything changes every year. Two, they have to listen to their artist but also speak the truth to them. And, of course, work ethic and intelligence are so important – especially the work ethic, because managers have to provide an example for their artist. Great managers are also great communicators; people who bring people together.

“there’s this ‘Napster Gap’, as I call it, 2002 to 2014, where only a few people invested into the business, and only a few people got hired – so there was not as much opportunity for mentorship for a lot of people versus what had come before.”

It’s a weird time for the music business because there’s so much opportunity now. But there’s also this ‘Napster Gap’, as I call it, 2002 to 2014, where only a few people invested into the business, and only a few people got hired – so there was not as much opportunity for mentorship for a lot of people versus what had come before. There are some incredible managers out there who are just so smart, and had to learn the game on their own.

The head of Netflix, Reed Hastings, said earlier this year that Fortnite was a bigger competitor to his company than traditional rivals like HBO. What do you make of the idea that other media is stealing attention from artists and music?

It’s something I think about a lot. I heard about something recently that said that Americans have over 11 hours a day of media consumption because of how much multitasking they do – like how they will play video games while listening to music. Their consumption is literally doubling.

I see incredible opportunity there, because if you work in the music business and you’ve never played Fortnite, you’re going to fall a few steps behind.

“If you work in the music business and you’ve never played Fortnite, you’re going to fall a few steps behind.”

How Fortnite makes its money is worth thinking about: the short windows of items being for sale; the opening for other platforms [as the game can be played across different devices]; the live events; how [Epic Games] updates and changes the game’s dynamic to keep things so exciting. There are so many amazing things to learn from it.

As far as competing in media, there’s going to be huge L.A. production competition. You have Netflix, Apple, Amazon, Hulu, Spotify and a bunch of other companies with endless amounts of money going to go into content production. It’s going to mean a whole new competition for creative talent, and it will be interesting. It could be incredible for talent – and it will definitely fortify L.A. as the creative capital of the world.

How do you counter that with the value of labels?

There’s no one-size-fits-all, right? Some people love business. Some people love managing people and administration. Some people love to be creative. Some people can do all of those things together. And there are some people who are just true artists who want to color outside the lines and break rules. They don’t want any of the administrative burden. They don’t want to reconcile tours, or deal with Social Security or 401ks, you know?

Some of that’s to do with different points in your life. You may be young; you may want to have fun and be creative and break the rules and not deal with turnover and all of these things. And later in your life, you may want to be more stationary and operate a company and a business. People just need to know what things entail.

“Staying independent is probably the right thing for a lot of artists and it’s probably the wrong thing for a lot of artists.”

There are an increasing number of artist managers who now say that running an independent operation for an artist isn’t ‘management’ – it’s a business partnership, so it shouldn’t be 15 or 20% commission, it should be 50% across everything, including touring. And that all depends on how much of an artist’s business is just music – whether they need a manager who’s just doing music, or managing several businesses.

Staying independent is probably the right thing for a lot of artists and it’s probably the wrong thing for a lot of artists. It all has to do with individual ambition, and how you actually want your 16 to 20 waking hours to be spent.

In an age awash with A&R data, how do you feel about the reduction in signings based purely on based on gut instinct?

I love data… partly because so much of the major label business is focused on it, which leaves all this open territory for us. But, also, I will say data can definitely show more than just momentum, it can reveal a pool of artists who didn’t wait for anyone to move their career forward, who got out of bed every day and worked hard to move the needle.

Somebody can tell me they’re going to work hard all day long, but an artist that had no resources that went out and built some fans? That’s someone you know wants it. I’ll never discount that, as work ethic is so essential.

Where do you get your work ethic from?

My mom’s creative. My dad’s organized. I love this job – this isn’t work, look how soft my hands are! The worst part of my job is sitting waiting for someone to show up who’s late. That’s it! And nowadays, I can always fill those hours by listening to music anyway.

I’m very sure you could have capably run an established major label group. Contemporaries like John Janick are doing it…

He’s awesome.

Why did you choose to build something from scratch, rather than run a big frontline label during this period of your career?

I don’t think anyone ever offered me a job that had the freedom that I now enjoy as an entrepreneur. As an industry, we need to empower people and trust them. There’s always a lot of oversight and structure in majors – and it’s probably needed. But now, we’re facing an ever-evolving future, we have to experiment and to do R&D.

“Change is inevitable. Change is good. But you have to try things in order to figure out what works with change.”

Change is inevitable. Change is good. But you have to try things in order to figure out what works with change. It’s inevitable that artists are going to change the way they make music and market music – and anyone who clings on to the past will get left behind. I love nostalgia like anyone else; we can still tell great stories of the good old days, but we have to be open to try new things all the time.

Let’s talk about the future, then. What are you excited about?

We are a very de-centralized company; I’m trying my absolute best to build the most entrepreneurial organization possible. I want everyone here to think like entrepreneurs, and to make decisions. I choose to run this company differently from, say, the way the legendary Clive Davis ran Arista. He’s incredible, but I hear he personally approved every piece of art and every mix.

Again, just like the artists here, everyone should be making decisions, seeing the results and learning from them. I want every executive I work with to feel that their career grew twice as fast in this organization than it did anywhere else.

What’s going to change at APG over the next five years?

We’re trying to reorganize the entire approach to being a global company. Many major labels don’t seem like singular global companies; they’re a bunch of companies, around the world, that license to each other. Spotify is a global company; they have editors in different offices, but they are a global company.

That’s something we’re a couple of steps ahead on and I don’t think it will take five years. I think it will happen way before then.

The above interview originally appeared in Music Business USA – MBW’s new annual magazine featuring some of the smartest people, with the best stories, in the Stateside music industry.

Subscribe to MBW’s premium bundle to ensure you never miss one our physical magazines in future. Click through here to find out how.Music Business Worldwide

Source: https://www.musicbusinessworldwide.com/for-artists-work-ethic-and-intelligence-are-just-as-important-as-talent/

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Home Remodeling: Cost vs Value in Louisville, KY

If you’re even considering moving in the future or doing a little home remodeling, it might be time to start gathering your boxes and toolbelt. Because of historically low inventory, it’s a seller’s paradise across Louisville, Kentucky.

Houses are increasing in price and selling faster than ever because of the continued lack of listings. In just over a year, the average selling price in Louisville hitched up more than 6 percent, from $223,411 last June to $237,458 during June this year, according to the USA Today network. The state average is quite lower, but still rising almost 5 percent per month to the current average price of just over $140K.

One of the best ways to make sure your home sells at top dollar is a few basic remodeling projects. Home remodeling is no easy task. There’s a lot of work and planning that goes into deciding what to change and how to change it, not to mention finding the time and the budget to do so. Some home remodeling projects can be completed in less than a day for just a few hundred dollars. Others may take weeks or even months to complete. Both, however, may drastically increase your home’s value.

So how can you determine what home remodeling projects to tackle and which ones are less than necessary? We’re here to help clear up the costs, value, and how to get the most bang for your buck with home remodels in Louisville, Kentucky.

Setting Your Budget

If you’re ready to start your home renovation, the first step is always setting your budget.

If you’re using a contractor: The best way to estimate your budget is to talk to local contractors or handymen to get a price quote. If you plan to use a professional contractor for your project, it’s important to do your research and talk to at least three contractors to get a reliable estimate of costs. Furthermore, this allows you to compare and contrast who does what, and how much they will do it for, for each contractor you speak to.

For DIY projects: If you plan to do the project yourself, research and price out materials, products, etc. Once you have an idea of the costs for your renovation, add another 20-25 percent to plan for any unexpected expenses and emergencies.  It’s always better to be prepared. When it comes to home remodeling, you’d always rather be safe than sorry.

Even if you plan to complete the project yourself, it’s still helpful to get a professional estimate, especially for large projects. Sometimes it will cost you less money, time, and headache to let the professionals handle the largest portion of your remodel and then make smaller changes on your own.

Adding the Most Value to Your Home

If you spend too much on a renovation, you waste the money without recouping the costs during resale. On the other hand, if you don’t spend enough, it won’t make a big enough difference to increase the home’s value.

Bathroom and kitchen renovations are two of the best ways to get a return on your home remodeling investment. Kitchens and bathrooms tend to have higher remodel costs, but also add tremendous value to the home. These rooms are often what make or break a home sale. When you choose to update your bathroom, renovate your kitchen cabinets, update the appliances, or invest in new flooring in either of the two rooms, you are much more likely to see a return on your investment.

Kitchen Remodel Value Trends in Louisville, KY

The kitchen is the heart of any home. It’s where the family gathers, meals are prepared, and parties are hosted. Is it any wonder that remodeling this space is so popular and carries the largest payoff?

Deciding how much to spend on a kitchen remodel depends on the overall value of your home. According to HomeAdvisor, you should spend anywhere between 5-15 percent of your home’s total value on your kitchen remodel project.

For example, if your home’s value is around $150,000, a kitchen remodel should cost between $7,500 and $21,000. This is the optimum range for homeowners to make a big enough difference and still recoup the majority of the original cost during a home’s resale.

Small kitchen projects may include a DIY weekend of painting walls, refacing cabinets, upgrading the sink or installing a backsplash. A more extensive renovation may include installing custom cabinets, updating to hardwood floors, replacing countertops with granite, and mixing in high-end appliances.

According to the 2017 Cost vs. Value data reports, the average minor kitchen remodel costs in Louisville, Kentucky was approximately $20,000. When put on the market, these homes increase in value by almost $15,000. That means the return on investment (ROI) for a kitchen remodel is nearly 75 percent, making a kitchen remodel the best choice of all home remodeling projects for recouping your investment.

Cost vs Value of Bathroom Renovations in Louisville

Even if the kitchen is king of home remodeling, bathrooms still have a throne of their own. While it might not be the biggest space in your home, we all spend time in there, and we want it to be comfortable. The bathroom should be a space that is relaxing, functional, and beautiful.

According to the Cost vs. Value reports in 2017, a complete bathroom remodel in Louisville costs an average of $17,500. The resale value of this investment is at over 50 percent.

Major renovations include new fixture installations, changing plumbing, or changing your bathroom layout. Minor renovations may be simple changes like paint color, wallpaper selection, lighting, mirrors, or flooring.

Kitchens and bathrooms consistently increase the value of homes across the country. According to the National Association of Realtors, kitchen remodeling returns nearly 69 percent of its cost vs. 57.2 percent for bathrooms. The only other renovations that even come close to meeting this ROI include attic insulation, basement remodels or additions, or exterior upgrades such as a steel front door, stone veneer, siding replacement or a new garage door.

How to Prepare for Your Home Renovation

Preparing for a remodel is exciting! It’s a time of change, innovation, and improvement. Get the entire family involved to plan and prepare for your remodel before you get started. In order to have a successful renovation in your Louisville, Kentucky home, we’ve created a quick guide to get you started on the right foot.

1. Do Your Research

What area of your home are you trying to remodel? What contractors in your area are responsible and reliable? Are there aspects of your project that you can do DIY style? How much is all of this going to cost me?

So many questions, so little time.

Before the work begins, take the time to do your research. If that means you need to push back your timeline, it’s worth it. Doing your research means you know what you want, who you want to work with, and how much you want to spend. It also gives you time to figure out where to get new materials, appliances, and finishing pieces for the best price. This also can give you a more realistic scope of what your budget will look like.

Make a deadline for yourself to have your remodel research complete so you gather the information you need without spending months (or even years) just getting the prep work done.

2. Set a Budget

One of the biggest benefits of adequate research is setting a realistic budget for your project. As you plan for your project, set a budget that is realistic and won’t turn into wishful thinking.

When setting your budget, consider your home’s current value and what you expect to see as a return on investment. If you’re renovating to add value to your home before putting it on the market, you must find a balance. Spending too much and you won’t get your money back in resale. Spending too little and you won’t add enough value to increase a potential buyer’s attention.

Always remember to plan ahead for unexpected mishaps, discoveries, and emergencies that may occur when your project begins to unfold. It’s always better to be safe rather than sorry. If need be, you can break down your project in segments or phases in order to avoid spending too much money all at once.

3. Interview and Review Contractors

You can’t do it all yourself. Trust us on this one. Even if you only plan to use a contractor for a small segment of your remodel, take the time to talk to the professionals.

Start by asking for recommendations from family, friends, and read online reviews to find reputable contractors in your area. Give them a call well in advance so you have plenty of time to compare contractors in the area. Even if you don’t plan to start your project until next year, it’s never too early to get advice and formulate a plan.

When you talk to a contractor, get a timeline, description of the work required for your project, and an estimate for total cost. Before choosing a contractor, ask for customer references, look for online testimonials, and then call and interview a few more companies. When it comes to your home, you have to make sure you find the perfect fit for you, your family, and even your pets too.

4. Protect Your Furniture

There is one more important step before demolition day that may overlook when the excitement of getting started kicks in. It’s important to take the time to protect what’s already inside your home. The last thing you need in the middle of a remodel is spilling paint on your antique armoire or accidentally dropping a drill on your TV screen.

For any and all areas that are undergoing remodeling, clear the space completely, if you can. Remove furniture, decor, and other valuables from the work area before the project begins. If you have large, heavy or hassle items that are immovable, point them out to your contractor and carefully cover them with canvas drop cloths, sheets, or blankets. Plastic sheeting can be used but ensure it is thick enough to last the length of the project.

Required Renovation Permits in Louisville, Kentucky

Many types of renovations may require building permits before beginning work, permits in the middle of a project, and/or a completion certificate. The city of Louisville requires a building permit if any owner or authorized agent plans to do the following:

construct, enlarge, remodel or change the occupancy of a building

erect, install, enlarge, alter, repair, remove, convert

replace any electrical, gas, mechanical or plumbing system the installation of which is regulated by code

cause the replacing of any electrical, gas, mechanical or plumbing system

If your project requires a building permit it is also subject to inspection by the building official until approved. (Kentucky Building Code Section 109.1). The most common inspections for building permits are Foundation, Framing/Rough-in, and Final. All appropriate inspections are required to be completed prior to issuance of Certificate of Occupancy or Letter of Acceptance. Building permit applications can be filled out online or printed from the website. For more information and further explanation on what permits your home remodel project may require, visit here: https://louisvilleky.gov

Renting Dumpsters The Easy Way

Demolition day is done, the new materials are ready for install, and you’ve got a mess of building supplies, wood scraps, trash, and cardboard boxes to wade through every day.

No matter the size of your Louisville, KY renovation project, Economy Dumpster can clean up any size mess, every time. Whether you’re simply installing new tile, or gutting your entire kitchen, renting a dumpster ensures your job site stays tidy and contained for the safety of all.

Renting dumpsters in Louisville has never been this easy.  Simply select between our 10, 15, 20, 30, and 40-yard dumpsters and let us take care of the rest. Not sure what size you need? We can help with that too. You can schedule drop off, pick up, and find answers to all types of questions about dumpster regulations online, all in one easy process.

Give us a call if you have questions. We’re here to help. If you’re ready to schedule the arrival of your dumpster for your next home remodeling project, let’s get to work. Schedule your dumpster rental today! 

The post Home Remodeling: Cost vs Value in Louisville, KY appeared first on EconomyDumpster.net.

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Insurance for a 16 yo?

im 16 and i am looking for a project car. the car i want is a 1971 dodge charger and it will take me a year or two to finish but i was wondering how much insurance would be if i got it and it was all finished and I was on my moms insurance?

What do i do with no insurance? when i go to the doctor and no insurance?

i work at mcdonalds part time, and have no insurance or health benefits, how do i get insurance to pay for doctors visits? How can i afford health insurance or where do i apply 4 health insurance?""

How much would it be to insure a Datsun 280zx for a 16 year old in NC.?

I have a mustang but v6 want a little more, but worried it might be to much to do right now.""

Any estimations on how much my car insurance will be? Uk.?

Im 17 in november, in gonna start to drive but i was wondering if anyone iceby ideas on how much my car insurance would be based on what i tell you. I live in the uk. I cant go on my parents insurance because they dont drive. In gonna get a 1.4 or 1.6 engine car. An thats all i can tell you, can anyone please have a rough estimation on prices?""

How much is car insurance? I'm doing and economics project...?

Like for a 38 thousand dollar car. Looking for a lower premium and a higher deductable but in order to find a price i would have to actually sign up for car insurace and i can't do that. What would be like the best option for me would you say...? Anyone???

Can I get refunded 7 years of premiums on a Life insurance policy with a Total Disability Rider?

I need to know if I can get reimbursed for the premiums I paid. I own the policy and didnt know it had a waiver of premiums rider due to total disability. The insured has been totally disabled due to a stroke since 2001 and has been on social security disability since that time.. Please help because I think American General is trying to give me the runaround. This is a term life insurance policy

How much would insurance go up for a newer used car?

I drive a 1988 Lincoln Mark VII. I wanted to know how much more my insurance would go up if I got a 1996 Buick Regal?

How much will my speeding ticket be and is it possible for my insurance not to go up?

I got pulled over doing 96 in a 70mph speed limit. In california around King City and I want to know a couple things. How much will the ticket approximately be? Is it worth contesting? Will going to driving school make it so I don't get a point on my license? And how do I make it so my insurance does not increase?

Does insurance get cheaper with age or experience?

(UK) - I passed my test last summer. Just wondering does car insurance for young people get cheaper with how many miles they've driven/owned a car/been with an insurance company etc OR is just how long you have had your licence for? Cheers

""Do you have to insure a car, if you dont drive it?""

I am 17 and currently learning to drive. I have found an ideal car, peugeot 106 quiksilver to precise. and looking at the specs i really do like this particular one that for sale at the car showroom. It will be another 2 months untill i finish all my classes and take the driving practical test. by this time this car may be sold and i might miss it. Due to the high car insurence for young/new driviver myself and me with the provisional liscense, it may be something that i cant afford. So i want to buy the car and park it in my street. so here is the question: Will the veichal need to be insured if i dont drive and just intend to leave it parked at all time on a driveaway/street? and will it be illegal if i do not insure it? P.S. i am intending to to drive the car only after i pass my practical test and also after taking Passplus""

Written off car insurance?

ive recently written off my car, does my policy continue after they have paid me ? ie if i get a new car with the settlement money, can i put that on the existing policy, as there is ...show more""

How much does it cost on average to insure your license?

through any insurance company. :) I just want to know how much on average.

How can i claim for a new alternator under insurance- it cost me 400?

I am selling my car, and I would like to get some cash from my insurance policy. I just had a new alternator fitted 2 weeks ago- any ideas??""

2005 Pontiac G6 GT Insurance?

I have a 05 G6 GT. I am an 18 year old male living in kansas and I want to know how much monthly insurance should be? It is a 4 door car.

Car Insurance Rates: Wyoming vs Nevada?

Car Insurance Rates: Wyoming vs Nevada?

What are the advantages and disadvantages of a high-deductible insurance plan?

I am looking in to getting insurance that has a high ded. plan and a low ded. plan. What are the advantages and disadvantages??

vermont insurance bulletin 164

vermont insurance bulletin 164

Why can auto insurance co legally discriminate?

Like gender, age, seems like everything (When you run tests through their quote systems) How can they legally discriminate like that? like 50% of the variables are user's preference determines the problem (Like having a classic, red sportscar, that's not my personality type but it raises rates)""

How much would car insurance and tax cost?

I am a 23-year-old female living in a small English town. I have not even had driving lessons yet but I am considering it but first I want to know how much would car insurance and tax cost?

Car insurance question?

I live in indiana and my friend lives in texas. He has car loan for a car but is going to let me just take over the payments. The loan will still be in his name but I will be paying for it. Can I get the car insurance under my name??

Would my car insurance covers if paint is sprayed on my car by family member accidentally?

My uncle was spray painting his deck (toner - penetrating oiling formula) and didn't pay attention and it was quite windy that day it got all over my car. Now would my insurance cover this claim or not? What you guys think what should I do? I think it will cost me around $7000 to $8000 and I have full insurance. Thanks for your replies

I'm confused about primary and secondary health insurance?

My daughter is on my policy, where all of the payments come out of a fund set at the beginning of the year, so if it is $1,000 that can be wiped out by one trip to the ER. Also, she is on her father's plan which is a taditional co-pay plan. Would it work out to my advantage to use his at primary and mine as secondary? Can the co-pay requirement from his insurance be paid from my plan?""

Texas insurance licensing exam?

I am studying to take the exam and was wondering how close the Unit Tests in the book are to the actual test and how difficult the test is. Thanx.

What is an approximate cost for life insurance?

What is an approximate cost for life insurance?

Car Insurance?

The car is in my name and I have insurance on the car, but I want to add my 16 year old brother as a driver. He will be driving the car most of the time. He is covered under my moms but i am wondering if I can add him as a driver for mine also?""

How can insurance companies make money by selling life insurance?

Everybody will die eventually. But will insurance company pay the beneficiary all the time?

Do you pay Car Insurance in USA even if you don't have a car?

Is it true that when you turn 16 in USA you have to pay for Car insurance, even when you don't have a car. A friend of mine is told me this and is having trouble, maybe I can help out with the truth about USA car insurance policy.""

How much would insurance cost around for a 2002 ford explorer for a 16 year old?

please don't tell me it depends and such...i just want a range Thanks

What is the cheapest liability car insurance in the US?

What is the cheapest liability car insurance in the US?

Would this be legal ? start own car insurance company and insure self.?

We were talking about the price of car insurance at work today about how the cost is becoming ridiculous. I came up with this idea its entirely hypothetical but it got me wondering if it was possible. Just say i started and registered a insurance business. I offered 3rd party only insurance to my close friends and family people that i know personally are careful drivers.Say 50 people get a years cover for just 100 and i insure my self for free. Now i know what you might be thinking what happens if some one has a bump? Well i have 5000 in the business account so it should cover minor repairs however and hear comes the is it legal part if someone puts in a large claim that i cannot cover.Say my grandma writes off some rich mans Bentley. I just declare the company bankrupt ! Thinking about it its not to different to what the bankers have been doing .

Do I need health insurance for cosmetic surgery ?

Just wondering ? I have the money to pay for it, so I don't need the insurance to cover it..But the medical forms ask for that information, and I don't have health insurance yet ? Does it matter ? Can I get the surgery without it ?""

What car should I get for cheap insurance?

Im 18, i just got my license a week ago. I live in a small Louisiana town. I catch buses and taxis to and from college and work. I really need a car. I have 2000 down for one but insurance is like 600 dollars on my own policy. I can't get on any ones policy because I live on my own. I'm beginning to get discouraged because the longer I take to get a car the less money I'll have for a car paying 10 to 20 dollars on taxis a day takes all my money. What can I do? What cars will have the cheapest insurance for a new driver?""

""My friend already has auto insurance on her car, can I get my own insurance on her car or do i have to own it?

I have a Job interview at Coke Cola and I need to show them proof of insurance on the vehicle I drive however i do not own the car but ill be able to drive my friends

How much will a used SlugBug Convertible cost me in the state of Ohio?

I turn 16 in January 2011 and I want the car by August 2011 so in about a year and a couple months from now! How much with the car cost me to pay all up front or how much will it cost me monthly if that sounds better! How much will insurance be per month? How about Gas? All answers are appreciated and Im willing to buy 2003 to 2010 but the price range for the actual car has to be no more then 5 to 6k ? I also want to know if you think Im going to have to get a loan. . . thanks everyone!

Does federal violation notice of violation affect my insurance and DMV history?

I live in California and I received a Federal violation notice during a trip to grand canyon and it was because I passed a stop sign ( it is stated as unsafe operation in my ticket). Within the instructions on the ticket it says if you plead guilty and pay the fine, we may or we may not report it to the DMV. Does anyone know if this ticket is going to be counted as a point and affect my car insurance? It seems too complicated and costly to go to court in this case and I paying the fine seems the only practical way!""

Affordable car insurance for poor driving record?

About a year ago when I was in college I got cited for driving without insurance twice. Two years ago I have had my license suspended for minor traffic offenses. Recently, I decided to take a safe driver's course because when I originally started driving nobody ever taught me how. I am not required to have sr-22 insurance but I am wondering if that would be better than paying $450 which I am paying for Gieco. I am looking for someone in a SIMILAR situation or has USEFUL answers. If your answer is move to different state , you just have to deal with it , or shop around that doesn't help me.""

Do I Really need to tell my insurance company about my Conviction?

Hi, 4 and a half years ago, I had 2 speeding convictions. Both with 2 months. My driver is European (German) so there is no paper part and no part which shows points. My insurance runs out in 4 months however today I realised in the insurance papers that it does not show my convictions. I called DVLA and they informed me that the convictions had been removed because they were over 4 years old. My insurance ask about convictions from 5 years ago, Should I tell them?""

How much lesser is car insurance every 6 months ?

I pay car insurance every month. ON AVERAGE do you think I would pay less every 6 months?

How should I insure my now deceased father's house?

My father has recently passed and his house is currently vacant. It is a small home only around 1,000 sq. ft. It hasn't been estimated recently but I would guess it's value around $60,000. Homes in the area are going for foreclosure for less than $30,000. My son plans on living in the home a year from now. How should we insure the home in the mean time? If we can find someone we know and trust we may rent it out in the mean time, if not, how should we? The home is currently in my sister and I's name. What do we need to do to keep costs down? I'm talking about insurance and taxes. Thanks for any advice!""

Who offers the cheapest car insurance in the Uk?

Ok im 22 years old and have have been driving for 4 years. Only one crash 3 years ago. Just got my renewal notice through the post. It has gone from 56 to 81. That is a alot for me. Whats the point in a NO CLAIMS BONUS?

Car insurance price?

okay so im thinking about buying a car in the near future but i have no idea about the prices and i heard that its different prices from cars ok soi want a acura integra 200 and from what i heard its 600 a month now is this true if so why so much and i heard that the acura rsx its 1000 for insurance a month now that its really really expensive with gas now days beingso cheap lol yeah now i want to know what are the cheapest cars to have that the insurance wont be as bad no more than 400 for insurance HONDAS??

Insurance and modifications?

i have a 3 speed auto porsche 944 '-85. obviously it is quite expensive to insure, and this particular model is quite slow. so i was wondering what would be the complications in shoving a 944 S2 engine under the bonnet, and the turbo from the 944T model? both mechanically the complications and what insurance companies would make of it. could i not just get away with telling them nothing? after all it would still be a 944-of sorts!""

vermont insurance bulletin 164

vermont insurance bulletin 164

What makes car insurance cheap?

What makes car insurance cheap?

What car insurance would you recommended after having a DUI?

I'm on my last month of having a year suspension and need to start checking out insurance companies. After AAA saw my penalty on record, I was instantly declined to be re-insured. Obviously I can't be picky, but all I ask is for the best deal at the lowest price. Not sure if these influence the price ranges or not, but here are some basics that may be of assistance: Female, 20. Toyota Yaris '09 wet-and-wreckless infraction, over a year ago. Been driving for 4 years. Sacramento, CA""

Insurance for a (2001/Y) Peugeot 206 first time buyer (17+)?

Im soon to buy a new car, and the most recent car i have been looking at has been (2001/Y) Peugeot 206, im just interested on how much the insurance will be - noting that i am a first time car buyer aged at 17, im guerssing this will dramatically raise the price ( i am nearly 18 if that changes things) any ideas on the cost of the insurance ? :)""

What is car insurance?

I tell people that im going to get a lambo when I grow up im going to save $120,000 and then buy it all at once....and then pay for the maintence ad all that too.. but people say that you wont be able to afford the car insurance?? what is car insurance. I thought that's a choice like you pay 100 a month and if your car is broken you get it fixed for free.. so why DO I HAVE TO PAY FOR INSURANCE ON A LAMBO? why cant I just save up all my money and buy it and then that's it.. just take it home and drive.""

What is General Insurance?

Need clarification and knowledge about the car insurance? What is it and is it mandatory?

No car insurance california get fine reduced?

I bought a used car from the highway patrol (crown victoria) and i gor pulled over on the way home for no license plate. I got a ticket for no insurance how can i get it reduced or get out of it? I did get insurance the same day with Allstate when i got home. And dont leave a hole answers please

Is my car insurance too expensive?

Im 17 years old and recently checked out some quotes for car insurance and the cheapest i could find was $700. I live in toronto and the car is a 2000 civic ex. Is the insurance too expensive considering this is my first insurance

Which is the best of the car insurance price comparison websites?

And is there like a website that you can go to that lets you compare them easily?

Insurance on this car?

Ok so I was looking on Craigs list, I'm thinking of buying my first car in a few months. I have a lot of money saved up. Theres a 1996 Taurus LX for sale for $1800. It has 119,000 miles on it, and it gets 25mpg. I'll only have this car until I go to college, because I can't take it up to Boulder with me. College is two years away. However, if I do go to Boulder, I'll only be two hours away from home, so when I come home I might want to have the car. What would you say the insurance would be on this car, so basically how much would I have to pay per year for insurance. We are not thinking about repairs or gas here, just insurance.""

How can I buy life insurance policy on people?

I have a friend at work that was telling me that here in Texas it is legal to buy a life insurance policy on anyone you want. He says when the person you have insurance on dies you get a lot of money. I was just wondering if anyone on here knows how this works? Do I need the persons permission or what information do I need from them? I was thinking of getting insurance on old people that live in a retirement home a block from where I live and get rich out of it. I know some of you will think I am sick but I wouldn't mind if someone had insurance on me when I am older. So how can I go about doing this and what information do I need on the person?

Does anybody know of cheap car insurance for over 50s?

Does anybody know of cheap car insurance for over 50s?

What is the Cheapest car insurance?

Hi guys I would like to know if what is the best and cheapest car insurance? I'm looking to insure my 2010 mustang v6, any idea? Cost monthly? Please reply only if you have something good to say, And as well as for a 2013 mustang gt, thank you!""

How much would a BMW increase your insurance every month if you have Nationwide?

Like compared to having a non-luxury import car?

Will my car insurance increase?

I received a ticket for failure to obey street sign, because I went down a closed road. I was wondering will my insurance rates go up because of this? This is my first ticket and have been driving for about 6 years. If I go to traffic school, will it stop the rate from going up? From what I have read online, some people said it does effect and some say no. I have Allstate and live in CA. Any info is much appreciated.""

When does health insurance kick in when you start a job?

I've never had a job with insurance. I'm hoping that I finally receive my first full time job with a company (I'm a recent grad). I'm in desperate need of health insurance to take tests on my heart but it's so expensive! So if you start a job, usually how long does it take to be able to take advantage of having the health insurance?""

What bike would be cheapest on insurance?

scooter?street+trail?chopper?crotchrocket? or anything?which bike out of all bikes street legal and able to achieve 50mph is the cheapest insurance wise

What are my options for affordable health insurance in Massachusetts?

I graduated with my Masters in Library Sciences in May, and am only covered under my mom's health ins. until February. I am trying to avoid a lapse in coverage. Please help!""

Would a 4 door suv be cheaper on insurance than a 2 door suv?

well called an insurance company the other day, the person on the phone said it doesnt matter how many doors there is on it, it depends on the make and model.I dont know if she just thought i was talking about a pick up truck or what but shes has me confused i appreciate the help.""

Anyone know a cheap insurance companies for first time drivers?

I've got my test tomorrow, so i want to try and set up some insurance but its hard for me to find quotes under 2k""

Car Insurance Question - will I have to pay if I cancel?

I am going to cancel my car insurance because I have not been driving my car - at all. It needs some work so it's been sitting at my house for a few months now. I kept the insurance going because I didn't want to have an uninsured vehicle in the parking lot and be blamed if someone hit my car. I pay $150/month which is crazy especially when not using the car. I am going to cancel the insurance because I am able to use another car. I have a bill due on the 13th - if I cancel today will I have to make this payment? Thanks in advance :) !

How much will my car insurance cost (please read) !?

im 18 years old,i just got my license, and i drive a 1984 toyota camry 4 door how much do you think the car insurance will cost ?""

Approx how much for car insurance for 18 year old to drive parents car?

I do not have my own car, but I have had my license since September, I have not driven since because I have no car nor insurance. I really want to drive again, it's hard for me to have just gotten my license and not being able to use it. However, I am not stupid, and would never even think about it without insurance. My mom says that I can drive my dads car when it is available if the insurance isn't too much. She emailed the woman who takes care of the insurance and she told my mom she wouldnt ask because they would automatically make them pay whether I would drive the cars or not. (We have 2) ANYWAY, I live in CT, and I cannot find anywhere that says how much it would cost approx a month in insurance for me to drive my Dads car (2010 Toyota Camry) Would really appreciate a response to this. :)""

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

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

What is the best insurance website?

i need to know so i can go to it and get insurance

Can I call an auto adjuster for a quote and then not use them?

Car value (Kelley Blue Book) about $4200-4500 (just bought it a couple of months ago for $5K). Older car, low low mileage. Seriously excellent condition, fancy wheels, no similar cars close to the low mileage anywhere near $5K within a 200 mile radius. Body work $5K est from body shop. Do I bother calling insurance company to send an adjuster out, or should I just fix it myself and save the insurance cost hit because they will total it anyway? If an adjuster gives an estimate am I then bound by their decision, which seems as if it will be to total the car? If they look at it will they raise my insurance even if I fix it myself? I am not sure what to do!""

vermont insurance bulletin 164

vermont insurance bulletin 164

Does 2 Insurance Policies Affect Each Other?

I am going to be buying a car and the cheapest way of getting insurance is by naming my mum the named driver of the car and i was added on..but she is worried that if i crashed it would affect her no claims bonus on her other policy..would it?

What is the cheapest motor vehicle insurance company in NY right now?

I wanted to know if anyone knew of any good insurance companies with low rates. I'm kinda sick of the one I have now Geico. Service is not great, guess they spend too much money on commercials and none on customer service. Any info would be great! Thanks.""

How to find the cheapest car insurance company?

Is anyone know the best way and cheapest way to insure the car thanks?

Is there any Insurance for?

Is there any insurance that does cover cosmetic surgrey? Or Social Security? If you don't know then don't comment :) 10 pts!

Cheapest compulsory third party insurance?

I have got a 98 honda civic with no accidnet in the past 10 years and a clean driving record at Sydney NSW and its rego is coming, anyone know any good and CHEAP green slip company? preferabally around 300$.""

What car insurance coverage is actually necessary?

And how much of each do you really need?

What is Excesses and cover level in Car Insurance?

Hiya, I am just trying to get Car Insurance quote, in some of the web sites I am being asked to enter the amount for Excesses and cover level , the more amount I am selecting for Excesses and cover level the less insurance premium it comes up with. Can any one tell me how does it work? What is the benifit of paying Excesses and cover level, should I go for less or large amount for Excesses and cover level? FYI.. I just got my Car Driving license so I don't have Driving experience in UK.""

What homeowners insurance do you use/recommend?

I am looking for homeowners insurance for a home in California. We have 2 dogs, one which is a German Shepherd. What insurance carrier works well with dog owners?""

USAA Full coverage auto insurance covering theft?

Last night my husband and I were hanging out with some friends and someone broke into all of our vehicles and stole stuff. However, my husband and I drive a 2009 Mitsubishi Lancer and it was locked, yet someone managed to get in without causing any damage whatsoever and stealing our xbox 360. Weird thing is, my purse was in the car with everything in it, and so were the guitars for guitar hero and our entire CD case, and the only thing that was stolen was the xbox...Weird I know. We go through USAA and have full coverage. My question for anybody who knows or has a good guess is, do you think that our insurance would cover that? We don't have a receipt or anything since it was bought so long ago. Thanks for all your answers in advance and remember best answer gets 10 points =] Happy answering! Amberly""

What is the cheapest car insurance company for Northern Ireland. I want to insure a ford focus ST-3.?

I have 1 years driving experience and 1 years NCB.

""Good, cheap auto insurance?

Need good cheap auto insurance. Can someone recommend me to one and/or some? Im talking cheap as in $30 per month or lower cheap. Thanks!

How much is a teen's car insurance per month?

I am planning to get a 2004 Lexus is300. I know because it is a luxury car, the insurance will be a little higher, but the car is 10 years old...I am recently licensed, a female, and I have a 4.0 gpa so I know I will have some discounts. I will be turning 18 in 6 months but will only be having my license for less than a year. So if any other teen, parent, or car insurance agent knows how much a teen's car insurance would be for a 10 year old luxury car (specifially Lexus), please help me out by letting me know!""

Car insurance help plz?

my housemate wants a golf gti and got a quote for 1600 but i can get it for 600 for me as the main driver and him as second.would this affect my insurance on my car that i have or not. he would just pay the money and he would use it most of the time would this be ok or not?

Where can i buy health insurance?

I'm have a low income and I'm looking for a right insurance coverage. I work as a part time job so my employer won't buy an insurance for me. Please if anyone knows any ...show more

""Why is it cheaper to insure a car witha provisional licence, than a full licence?""

I was doing a price comparison check for insurance on my car after I've passed my test and it was around 1,400. I'd been entering that I had a full licence as I was looking for after I'd passed, I then changed it to say I only had my provisional to see how much it would cost to insure now so I can practice with someone sat in and it's only about 750. Why is it cheaper?""

What is cheap full coverage car insurance?

What is cheap full coverage car insurance?

Does each driver of a specific vehicle need to have car insurance?

Does every person who plans to drive a specific car need to have their own insurance? My husband and I are about to buy a car, and we're wondering if we both need insurance or if just one of us could have it. We would both like to be able to drive the car. (we'll be living in Idaho, if that makes a difference)""

Do you have to be on the insurance of the car you use for your drivers license test?

I know the car you use has to have insurance but do you, the driver, have to be on that policy?""

""Do you believe in having life insurance? If so, do you have life insurance?""

I have a friend who sells insurance so I wanted to ask you guys... 1.) Do you have life insurance? 2.) If not, why have you NOT purchased life insurance? 3.) If you HAVE purchased life insurance, what motivated you to purchase life insurance?""

My car insurance company have doubled my quote after claiming they made a mistake. Can they do this?

I changed my address about 6 months ago and was pleased to see that, although there was an increase, the increase on my insurance wasn't massive. I recently called to get a quote on putting my girlfriend on the insurance as a learner driver and they have now said that as they didn't process the change of address form properly before they are doubling my insurance quote. I am confused by this as I live in an incredibly secure, gated property and I am wondering if, as they have admitted the mistake, they are able to do this out of the blue like this?""

Why can't we have Medicare for all?

Old people love it?? I don't get it. It's so unfair. My cousin has MS and she couldn't afford Health Insurance and her employer didn't offer it to her. By the time she could qualify for Medicaid, her MS became much worse, and she is not doing well right now. All Americans should have the right to be healthy. It's not a privilege, it's a right!""

Car Insurance in CA with AZ vehicle?

Ok so I have a multi part question. My dad is about to get his car reposed. He lives in Phoenix AZ and obviously bought the car there. Its not under his name yet cause hes still paying for it. So he wants me to take over the payments and give me the car. I live in Los Angeles. So my question is, can I get insurance here in Cali even though its a AZ car and its still under the peoples name? If not, he can get insurance there. Also, isn't there a period of time an out of state car can be here being out off state still? What should I do? I don't want to get all sorts of fines or tickets. Thanks in advance""

Will my car insurance go up?

So I was at the red light and the car behind me randomly hits my car there's a medium size dent right in the middle of my bumper it doesn't look terrible but it's deep and noticeable also some paint was chipped off ... My car insurance ppl know about it.. Will my car insurance go up? Even if it wasn't my fault at all?

Will a Red Light Ticket affect my insurance?

I ran a red light today (i wasn't even thinking and just ran it) there are cameras there so I'm pretty sure ill get a ticket , any who i live in McKinney, Texas and the fine they send in mail is 75 $ and since I'm 16 have to go with my parents to court so will this one ticket make my insurance go up ? is there a possibility it won't go on my record?? I have all state and am a male i make A's and B's (education discount)""

How much would it cost on average to insure an Oldsmobile Aurora?

So I might inherit my grandparents Oldsmobile Aurora and I looked it up and it says its a sport sedan. Wouldn't that mean that the insurance will be double because it is a sports car?

vermont insurance bulletin 164

vermont insurance bulletin 164

https://www.linkedin.com/pulse/coles-travel-insurance-quote-tyler-stewart/"