#do you guys have any tips for how i can save up a downpayment for a house in... 10 months? lmao
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Shout out to our landlord for outing us to random maintenance workers. I love living here. It's great!
#do you guys have any tips for how i can save up a downpayment for a house in... 10 months? lmao#i am so so so tired#if i made a gofundme called 'stop me from murdering my landlord' do you think that would work lmao#i kid but also i am SO close to caving and trying to find a high-paying nightmare contract#i do not want to live like this anymore#talking tag
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Our Isla De Gigantes Experience! (Narrative with Tips)
(This trip is definitely one for the books. For this post, I’ll be utilizing my instagram caption/narrative from a few months ago with random pictures from Isla Gigantes in between paragraphs.)
“This trip ended up being more than just a typical summer ender and stress reliever. To be honest, the planning and the entire trip was more stressful than fun.
Right when we knew about the cancelled direct route from Tabuelan to Estancia two days before our trip, we knew we were fucked. All the other alternatives were either too expensive or too time consuming. While option to cancel the trip and go somewhere else was beginning to look more attractive, I decided not to give up yet since we already paid the travel agency the non-refundable fee (the payment of which gave us its own contribution of stress) and being the frugal person I am, I didn't want any sunk costs.
The day before the trip, and after hours of internet searching, I realized that with the free time we have, we could never really get to the destination in time unless we buy a plane ticket. I finally decided let go of Isla Gigantes, the 300php downpayment (yes we only had to let go of 300php guys but it was a lot for me!!) and go to Cuatro Islas instead in Leyte. We were both okay with the idea and were okay with our plan B for the rest of the day. We even had dinner and went karaoke with the thought of going to Cuatro Islas tomorrow in our heads (we thought that it was a good plan B since it also had the word Isla. Lol) but a short conversation we had minutes before midnight made us think about the unli seafood the agency promised us and how the cheap the entire package was. We also thought about how we wouldn't get another simultaneous 3 day break from our schedules and we might not get another package as good as the one we found. So before we said our goodnights, the words finally found its way through my lips-
"Isla nlng ta?"
But wait! Around 3 in the afternoon the next day, 2 hours before our condemned bus trip to Bacolod, we received a message from the agency stating the possibility of a thunderstorm hence the likely cancellation of the tour. Guys are we really gonna go all the way to Iloilo and just entertain the possibility of a cancelled tour? Even if it won't be cancelled, we still had to endure light to heavy rains and gloomy skies. It was the question we had to answer before we leave for the terminal which would be in an hour. The answer was yes.
I finally found an option which was both cheap and time friendly- trip cutting. Basically we had to ride a:
-3 hour bus trip (Cebu to Santander) -2 hour barge (Santander to San Carlos) -another 3 hour bus trip (San Carlos to Bacolod) -a few tricycle rides (Terminal to Pier) -another 2 hour barge (Bacolod to Iloilo) -another tricycle ride, one jeepney ride (Pier to Terminal) -and one 3 hour van ride going to Carles.
Yes folks, we had to do all that in 17 hours!! This was a LOT more stressful and time consuming than the direct trip to Estancia (I still really hate Oceanjet for not making an official announcement that can be easily seen by everyone!!) but at least it would get us where we wanted when we wanted.
It was not a comfortable trip. We even had to sleep in the bus terminal, (which is really nice by the way for a bus terminal!). Long story short, we arrived in Iloilo City at around 8am, which was supposed to be an okay time to start traveling to Carles. Big thanks to the van not showing up on time, we had to take:
- one 3 hour van going to Carles one 3 hour van goin to Estancia - one 30 minutes tricycle ride (which cost 300php for fuck's sake)
just to reach Bancal port a few minutes late. We thought that we'd rather spend extra than to waste all our efforts. Finally we arrived at the port just in time for our island hopping!!! The best part? The skies were so clear and the sun was cheerfully laughing at the weather forecast. The stress was finally over and it was finally time to enjoy ourselves.
The tour was very scenic and my eyes were filled with so much beauty. I found all the stress worth it. How could you not when you were able to see all these beautiful islands, go trekking, go caving, swim in clear waters, get tan, and eat unli scallops, crabs, fish and calamares? We ended up not taking a lot of pictures for we'd rather just enjoy the view and enjoy the time we have together before school and work and life in general. I thought all the struggle was just a little twist from the usual summer getaways and it would always find a place in my travel diaries.”
NOTES: (learn from our mistakes!)
- I highly advise you to buy a plane ticket or a boat ticket going to Iloilo if you're planning to go there via Cebu without any hassle (promo fares are everywhere guys!). If you'd rather take the road we took, then it's up to you. (well honestly its a bit fun! hahaha) For information and advise, contact me here or via my email in the description box.
- DO NOT WAIT FOR A VAN GOING TO CARLES if it's not yet available. If you're pressed for time, just ride a van going to Estancia right away. If you're not pressed from time, I suggest you ride a bus going to Carles or Estancia instead which would pass by near the Iloilo port. It would save you money and time because the port is nearer Isla Gigantes.
-If you're planning to go to Carles from Estancia (because that's where our agency wanted to meet us), just ride a bus. The tricycle is too expensive, but the bus will take a bit more time. Althoug according to internet articles, you could still go to Isla Gigantes via Estancia
- We booked our tour via Isla Gigantes of Facebook (click for the link). They are very nice and accommodating. We availed of the promo of 1700/pax 2D1N inclusive of everything from Bancal port and back (rates may vary). The rooms they provided are not airconditioned so just inform the agency if you prefer an airconditioned room.
-The tour included a trip to a cave which would require you a little hike to the mountains. It would take around 30 minutes one way so if you’re not too comfortable hiking with slippers, I suggest you bring shoes.
-Why did we not ride a ferry straight to Iloilo from Cebu? 1.) It was more expensive than the 2nd option 2.) They didn't offer a schedule that would get us there on time.
- P L A N E V E R Y T H I N G A H E A D
(June 2017)
#Isla Gigantes#Iloilo#Carles#Estancia#Visayan#June 2017#2017#Pawikan Cave#Island#Cave#Trekking#Beach#Sea#Island Hopping#Summer#Visayas#Philippines#Isla#Gigantes
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I am on work-mans compensation and my employer cancel my health insurance without telling me. The insurance company let me know after the fact. Now I have some insurance claims that have not been paid and I can not afford cobra insurance. Do I have any other options? Thank you!
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I got my G1, and you allowed to drive with an adult in the car. But i don't yet have insurance but my mom does, if she has insurance can i still drive the car? She wont let me because i don't have my own insurance yet. Is it legal for me to drive?""
Can i get new york insurance while maintaining a florida tag?
Can I get new York insurance while maintaining a Florida license plate?
Auto Insurance?
I live in California and I got an Insurnace quote for a new car from a Insurence company that is out of state. Is there a difference between buy a out of state insurance policy vs. a policy from a compnay in cali?
Individual dental insurance for braces?
What is a good individual dental insurance if I were to get braces? I have done some research and nailed it down to DeltaCare and Pacificare. So which dental insurance is better, or any other suggestions? Pacificare cost slightly less than DeltaCare as far as co-payments go. Both are HMO plans, all the PPO plans covers little to nothing for braces, so HMO seems to be the only way to go for an individual plan. DeltaCare seems to be more reliable since it's associated with Delta Dental, a little more costly also. I'm more concerned about the quality of the services as far as making claims and such. So DeltaCare, Pacificare, or ay other dental insurance/plans? Any personal experience with either of these companies? I am in San Francisco, California.""
I can't afford cobra insurance; what are my other options? Thank you!?
I am on work-mans compensation and my employer cancel my health insurance without telling me. The insurance company let me know after the fact. Now I have some insurance claims that have not been paid and I can not afford cobra insurance. Do I have any other options? Thank you!
Which is on average better out of petrol/diesel cars?
In terms of performance (speed,0-60 etc), economically, fuel cost (miles per gallon etc), insurance etc""
Can you get in trouble for letting someone drive your car without insurance?
I own a car. I just bought it. I don't have the title in my name yet, nor is there any insurance on the vehicle in any ones name. If I let someone else drive my car and they get pulled over, who is liable? Will the person driving the car get in trouble for driving without insurance or will I get in trouble for allowing someone else driving it knowing its not insured nor is the title in my name?""
Insurance question: Does anyone know?
An insurance policy that covers several individuals, often sharing common professions, is called a(n) _____________ policy.""
Which cars are cheap on insurance for a 17 year old?
Which cars are cheap on insurance for a 17 year old?
""How much would 100,000 libility insurance cost? roughly or estimate?""
I'm looking to start a security company and am trying to figure a monthly premium. I know I need at least 100,000 of libility insurance. I don't have my license yet, so insurance companies wont even talk to me util I can give them more info. The prob is, I need a rough estimate of start up costs. Thank you""
""Insurance cant get a hold of the other at fault party, what do?""
I was involved in a traffic collision where I was rear ended by another vehicle. Police report was filed, the information was traded. I filed a claim with their insurance and mine and have not herd anything from the other party. Everyday I contacted their insurance and they still cant get a hold of him. My vehicle is not in drivable condition so I am forced to wait, since I do not have money at this moment to pay for my deductible, I just stared a new semester and spent close to $800 on books. To make matters worse my work has come to a standstill and no income is flowing. I am thinking about hiring an attorney to help me recover the losses. What should I do? If the guy never responds what happens? Is there a law which states how long the other individual has to file a claim? Thank you. I live in the state of California.""
Do you know of a good motor insurance company?
I have just bought a merc. Need a good and reliable insurance company. Please suggest one.
New Car with Hail Damage - Insurance?
I am looking at buying a new car that has minimal hail damage to the bonnet and roof. About 10 tic tac sized dents all up, extremely hard to see. They are discounting it heavily and I really like the car but when I rang up the insurance company today they said they will not insure it. Does anyone know any companies that will insure a BRAND NEW minimally HAIL DAMAGED CAR? (Melbourne, Victoria, Australia)""
""I just bought a new car, now i have to switch insurance?
how do i go about that. im right in the middle of my current insurance on my old car.
Do you have to have full coverage insurance on a new car?
We are going to try to get our first new car ever,and not really sure of the whole insurance process..We do keep liability insurance on our 2 cars we have now,but that alone about kills us,we pay $105 a month for 2 vehicles and 2 22 year old drivers..Everyone says its our age that causes us to have high insurance.Anyway, are we going to be required to have our own full coverage insurance on a new car if we get one? Or will the dealership help us with it or factor it in the payment? Because I don't think we could afford full coverage if its much higher..I priced it when I was 18 on a mustang and it was like $300 a month...I know crazy!!""
Cheap moped insurance?
Bought myself a speedfight 2, 50cc, 1999 reg. Could anyone tell me good, cheap moped insurance companies which don't charge stupid amounts?""
""Affordable Health Insurance, Cheap Online Health Insurance ...?""
represent all major medical insurance carriers, From individual health insurance, self employed health insurance, family health insurance, small business ... http://businessandfinance.cn/health-insurance.html""
I was speeding....what happens to my insurance rates?
I was going 65 in a 50 zone, at around 8 on new years day up near ocean city delaware. I had just been at my girlfriends bayhouse, so obvioiusly i was in a good mood,and there was nobody out on a highway. Then WHAM red and blue. It wasnt excessive speed or anything,so i assumed that i had a tailight out, but then he gave me a ticket. now what happens to my insurace? do i get points on my provisional license?do they revoke it?""
Affordable health insurance?
if any of you guys know any good and affordable health insurance in NJ. We(my wife and I) really need one that we could afford. Thank You!
Where can I get affordable health insurance for an infant?
I'm having a baby around the first week of December, and I need to figure out how best to set up health insurance for her without going bankrupt. I looked into Blue Cross Blue Shield of Florida, and to be eligible for a child-only plan, the baby has to be atleast one year old. For us to get a family plan the cost is absolutely through the roof, more than our monthly income, and even then the child is only covered from 6 weeks of age. Does anyone know of any companies that will insure a baby from birth, without the parents having to be insured? I'm giving birth at a birthing center, and one of the terms of care is that I have to take the baby to a pediatrician within 72 hours of birth. No decent pediatrician will accept us without insurance. I think we may actually be eligible for Medicaid, but I don't want to go that way because high quality doctors don't accept that around here. So can someone please suggest a company that I can go to to insure my baby affordably, in Florida.""
How much does car insurance for a 17 years old cost in UK ?
How much does car insurance for a 17 years old cost in UK ?
Insurance with US license. Loophole or stupidity?
I am an 18 year old british citizen. I lived in the US for 6-7 years and got a license at the age of 16. I am now in the process of getting car insurance. and am wondering if this 'loophole' is technically legal. I can drive on my US license for up to 12 months, during that 12 months I can get a UK prov. license. take the driving lessons and do the theory/test to get my full UK license. while shopping around last night I noticed a website saying 'provisional insurance is cheap, but expect it to go up once you pass your test.' Now, I understand the reason why it's cheaper is due to the fact that you probably wouldn't be driving as much, and you need a 'known' driver with you in the car while you're driving. However, couldn't I be considered my own driver? If I have a provisional license would I not be eligable for provisional license insurance? is this legal? or am I just being a hopeful idiot?""
Mortgage Life insurance or regular Life insurance?
My husband and I got information on Mortgage Life Insurance which basically is kind of like Life Insurance I guess and pays off your mortgage if someone dies. For example, our house is $180,000 and I die in 10 years and the mortgage balance is $80,000 then my husband still gets the original $180,000. He can use this to pay off the mortgage plus have money left over and use for whatever. This sounds like a great deal to get but I want to get other people's opinions who know information on this. It is called Forester Mortgage life insurance. Also, what is the difference between this and regular life insurance? Is regular life insurance better? Thanks!""
Which is cheaper ? Insurance on a small or mid size truck?
My son will be getting his license in a year and a half. I am thinking of going ahead & buying a used truck for him, and he can practice in it when he gets his learner's permit. He would like a truck. I have been encouraging him to get a smaller one, like a Toyota since it will be cheaper on gas, If I let him get a bigger one, like a mid size Chevy, would the insurance be cheaper. Where would I save more money--on a more fuel-efficient truck or a bigger one with cheaper insurance? I am thinking of 93-96 model years.""
Who is the cheapest car insurance company for a young driver?(19 yrs old male)?
Who is the cheapest car insurance company for a young driver?(19 yrs old male)?
What is the average cost for car insurance for a first time driver and where can I get it?
What is the average cost for car insurance for a first time driver and where can I get it?
How much does auto insurance cost for a 16 year old male with Erie?
I just got my license and now I want to get a car but my dad wont pay for insurance, I was wondering what the possible prices might be. I would like a Jeep Wrangler or a VW ...show more""
How long do you have to have SR22 insurance? It's really expensive and my case was settled over 2 yrs ago.
How long do you have to have SR22 insurance? It's really expensive and my case was settled over 2 yrs ago.
How much is Allstate Car Insurance for and 18 year old in North Carolina?
Live in North Carolina have a Honda Accord
How much is insurance for a 16 year old girl driving a red 1998 corvette convertible?
I am a very responsible driver and I DO NOT speed. I always wanted a corvette and it would really help me out if someone would be able to tell me how much the insurance is. I heard the prices can range really high, but being a student on the high honor roll would that help me out? I am over a 4.0 gpa with honors classes. Btw I live in Illinois. Would it be over $100 dollars a month. I am very confused. please help me..""
I can't afford cobra insurance; what are my other options? Thank you!?
I am on work-mans compensation and my employer cancel my health insurance without telling me. The insurance company let me know after the fact. Now I have some insurance claims that have not been paid and I can not afford cobra insurance. Do I have any other options? Thank you!
https://www.linkedin.com/pulse/los-angeles-california-cheap-car-insurance-quotes-zip-brenda-best/"
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full coverage car insurance quotes
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full coverage car insurance quotes
BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr
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full coverage car insurance quotes
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Then they turned it in to collections and suspended my licence. When does it get cleared?
Does the insurance company have to pay for this?
ok so i was involved in an accidents 6 months ago because this person ran a red light and hit me... i dislocated my elbow and have been in physical therapy since... last time i went to therapy they told me i have 8 more visits left because my health insurance is gonna be maxed out..... and they told me they dont bill car insurance companys..... soo i call the car insurance company and they told me they cant pay for any bills until the settlement is done, but the therapy said they cant wait that long soo i dont know what to do..... i need more than 8 visits""
How do i get car insurance without a license..?
I'm 20 years old and just bought my first car, but in order to get my license i need to have insurance on the car, but in order to get insurance i need my license, can anyone help me out with this catch 22 please.. thank you so much!""
Is a tree house covered under insurance?
We are thinking of creating a tree house to use as a office and need to know if it is covered under the home owner insurance or will new insurance and coverage be required. Bonus: Will property tax go up?
Estimate the affordable mortgage and the affordable purchase price for the Bergholts? Please help if you can.
Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $280,000. They estimate monthly expenses for utilities ...show more""
What is private health insurance?
My employer sponsored health plans were always referred to as PRIVATE. Is that just a New Jersey thing? When I look it up. The definition is an individual--not employer sponsored plan. There is even a commercial where thy refer to private or medicare insurance....which implies private is any other plan like blue cross or cigna. so can a group plan from an employer be correctly referred to as private.
Does anyone know where you can buy individual medical insurance? Epileptic reasons!?
Insurance expired.
What insurances offer cheaper policies?
I'm looking into some automobile insurance. I would like to know about some affordable insurances. Thank you for your help. Have a great day!
Can you give me any car recommendations?
ok im a 16 year old boy turning 17 next month and my parents are buying me a car.they said that there are some requirements of their own 1.the oldest it could be is a 2005 model(i don't know why) and it needs to be with in our price range which is $10,000 to $20,000.i don't have many requirements just that it needs to have something where i can connect my ipod and phone to the car to play music or make a call and i don't want a honda or toyota because everyone has one of those in my area and at school(sorry if it sounds bratty but it kinda feels weird to me to have a car that most people have in my area). so what are some nice cars in our price range that would be a good first car.also my parents said the insurance cost doesn't matter.""
Help with car insurance?
I am 15 with 1 month before my birthday, and of coarse my license. I have made some sort of a deal with my parents. This deal allows me for every month I postpone my license i get a percentage of the insurance they would have payed. How much is insurance, how much of it should i get, and is it worth it?""
Insurance to drive another car?
I work on a farm and I have to drive across fields and stuff to get around. Sadly, I currently have to do this in my own car so I was thinking of buying a cheap car so I don't ruin my actual car in the process. I can't leave the car at the farm, so it would need to be road legal (taxed, MOTed and Insured) Is there any insurance you can get where you can be insured on both cars but on one policy? (Sort of like what car traders use where they can drive any car that isn't registered to them)""
MA Health Insurance for young married couple?
I will be married in a year, and probably lose my health insurance at 24. My fiance is coming but neither of us have full time jobs yet. What are our options for health insurance, that are affordable? Assuming neither of us have full time jobs yet. Thanks! : )""
How can i get very cheap health insurance?
i am 18 yrs old, i go to school and i work at a place that doesnt have insurance and i really need to go to get my teeth pulled and i need to go to the doc for my stomach... how can i get free or very cheap health insurance?? cause i have no MONEY!!""
Best individual health insurance plan?
My husband and I just found out that his company is raising our medical insurance rates from $212 a month to $400 a month, so we are trying to shop around for the best rates. We have found some, but hardly any include maternity benefits, and we want that parachute just in case any accidents happen. Is there any plans out there cheaper than $400 with maternity, or should we just hope we don't get pregnant for a couple of years? (We plan to switch insurance in 2 years when I get a teaching job)""
Get medical insurance or pay out of pocket ???
currently live in Southern California and work part-time with no medical coverage. I was recently accepted to NYU College of Dentistry and will be moving there in July. Before that though, I need to get physical & immunizations. I will definitely get medical insurance once I move out there, but my concern is before that time. Things I need for sure: Physical, TB skin test, Hep. B, and Meningitis immunizations. My question is: Should I purchase a short-term insurance coverage to get the necessary physical/immuzations done or should I just do it out-of-pocket. Also, if it is worth getting insurance for this period, would you guys please recommend couple of plans for me. ( I am 24, Male, non-smoker). THnaks in advance.""
How much would insurance cost for a motorcycle?
I'm 16 and I live in va. I was wondering how much insurance would cost for a 600cc and a 250cc. A sportbike. Like the ninja 250. But I'm trying for a 600cc, either yamaha r6 or a ninja 650r. Thanks""
Examples of how auto insurance helped you?
Do you have any personal experience where auto insurance is benificial to you? please also list the pros and cons. thanks so much <3
Health insurance bills?
I asked a question about if health insurance companys bill you but I want to make this clear....so if I meat my deductible the only thing I have to do is pay the copay and I don't get anything in the mail from the insurance company but I can get a bill from the Dr or hospital that my insurance Didnt pay for?
Health Insurance question?
Do any one know a insurance in California that cover pre-existing condition? I am eighteen year old with no insurance still living with my parent which have no health insurance. We had medical but it expired. I have heart problem the doctor said i need to get insurance that cover pre-existing condition. I have try getting quotes online. Or know any good insurance i should try giving a call to.
What is a cheap insurance agency for auto insurance?
I've got a used car, and just need a cheap insurance. Any suggestions are great!""
Which is the best insurance company in Kenya?
Which is the best insurance company in Kenya?
Citroen c2 1.4 insurance why so expensive how to get smaller quote?
I just bought a C2 1.4 04 plate less than 30000 on clock semi auto and when I came to insure it nearly died! More than I paid for car! I am 30 and have been driving for 5 years, the first year I had my own car then I have driven hire cars or been a named driver on relatives cars. No claims, points, accidents or offences. WHY SO EXPENSIVE??? Please help me I feel in so annoyed as can't drive without insurance and at this rate can't afford to insure! Any info greatly received :)""
Does anyone have a Pontiac G6 GTP?? i need to know how much car insurance are on the them?? please let me know
Does anyone have a Pontiac G6 GTP?? i need to know how much car insurance are on the them?? please let me know
Auto insurance quotes?
If someone comes to your door and asks if you want to do a free auto insurance quote over the phone with a major insurance company. Is that considered selling even if its a free quote? They also needed information from me so they could put the quote together...
Iininsurance on celica or rx 8?
Heres my situation at the moment currently i have celica,supra and skyline in my drive way and have rx8 and rx7 comming this summer Now i know i wont be able to afford insurance on rx7 supra or skyline But im wondering rx8 evolve (231ps) or celica How much would insurance cost Info on me No ncb Got driver license for few months 18year old University student living away Live in uk midlands""
full coverage car insurance quotes
full coverage car insurance quotes
How much more does motorcycle insurance cost than car insurance?
Don't give me links or tell me to visit websites please!
Can i list my vehicle at another adress for insurance?
hi, i own a 2006 acura RSX-s and i live in the philadelphia suburbs. my insurance is quite PRICEY! any how, my father owns property in northern PA which is primarily farm land, and insurance would be alot cheaper if listed there. tho i dont live there, can i list my insurance there? is there anything illegal or could it hurt me? i see alot of people with New Jersey tags who live in PA to get cheaper Insurance. what do you suggest, and what would i have to do, change adress on D/L etc?""
Buying car insurance?
Do you have to buy car insurance before you get a car from a dealership? Can you drive home and then get the insurance when you're home? Does the dealer provides temporary insurance?
How Much Would My Nissan Figaro Insurance Be?
Hello Everyone, I'm looking to get a Nissan Figaro for my first car, the car price isn't a problem but I can't find insurance anywhere! Figaro Insurance comes under classic car insurance, I am 18 years old, just passed no NCB can anyone tell me how much it would cost me please??""
Is health insurance portable from state to state ?
If I purchase health insurence from a company like Coventry One of Kansas and move to Florida, can I take the Coverage with me ?""
2010 Camaro LT 16 year old insurance?
I am a 16 year old and I want a 2010 Camaro. I'm not being ridiculous and getting a brand new Camaro 2ss. I am getting a used Camaro LT. I'm really responsible with straight A's and I was wondering how much the average insurance company would charge for a car look this and a guy like me.
Car insurance costs for a newly qualified 18 year old?
Because of where I live I am getting a Land Rover for my first car and I was looking at either a Land Rover Defender 90 2.4 diesel or a 2nd generation Range Rover (the Range Rover P38) 2.5 diesel and i was wondering on average mow much it would cost me to insure one of these?? thanks :-)
Car insurance for a 16 year old?
Hey, I turn 16 in a month and ive had my permit for a year then and its time to get my license. How much (an estimate) would it cost to insure a 1999 Honda Civic LX with geico?""
What is the cheapest insurance group?
I'm 17, girl, doing my driving lessons and am planning to get a car soon. Not bothered which car, i just want a cheap, affordable one. I've been hearing about insurance groups recently which is confusing me because no one around me can adequately explain it. So, i just would like to know what the cheeapest insurance group is and if you could also please explain a little more on insurance groups so that i'm a bit more informed.. thank you""
Car insurance question?
i am 18 years old and taking driving lessons.after i pass can i get insured for two weeks.if i can please give me websites.thanks
Insurance Jobs?
What kind of jobs are there at insurance companies and what is the salary for those jobs?
How much would auto insurance cost?
I am going to be driving soon (I am 15) and I'm looking into buying a car/truck. I would like to know how much it would cost for me to get insurance so that i can drive soon. Thank you!
How much is my car insurance?
Im 17 i want a vw golf mk4 tdi, it will cost me for the car 800-1600, i wanna no how much is the car insurance""
How do doctors actually pay for liability insurance?
On studentdoc.com, the salary survey stated that the average OB/GYN made roughly $238000 a year, but some sites I have looked at show that they also pay $50000 a year (in florida, that rises to $100000) for malpractice insurance. Even for other practices, such as pediatrics and internal medicine, the rate is usually $30000+. This is a huge amount of money and really, after paying student loans, mortgages, taxes, and etc, how much money do doctors actually take home? Surely not all doctors actually pay for their premiums. Specifically, how much would a pediatric surgeon pay in malpractice insurance in California or Illinois? Just some food for thought.""
Malpractice Insurance?
How much do Cardiothoracic surgeons have to pay in malpractice insurance. Are there certain rates for different specialties?
What type of insurance i need for a driving test does it have to be a full coverage?
do i need to bring a vehicle with full coverage insurance or could my car that only has a cheap insurance plan work for the DMV's driving test
""How greatly does color impact the cost of insurance (Geico, if that helps.)?""
I'm car shopping (Even though I still don't have enough money. I'm still in the research stage). I was originally thinking dark blue (Thankfully, I want to stick to that on most of the sportier ones.), but I've found certain models that I really like in red. I was told that it's really hard to afford insurance on red cars. (Even if they aren't exactly party vehicles... The Buick Lacrosse is in my top 5.) How true is this?""
Average cost of auto insurance for 21 year old male?
i know it changes with companies but i just wanting to kno a ball park estimate so i can budget accordingly
Where do I go to find public liability insurance?
I am starting to run workshops, teaching creative recycling crafts and require public liability insurance. Could you point me in the right direction please?""
Does anyone knows of a good Health Insurance in Florida?
HMO, PPO or whatever... I need to know asap. The work insurance is horrible!""
Insurance Problems for my Teenage Self?(;?
So I found out that insurance for the car I was going to get (Honda Civic EX-L 2010) was way too much since I'm only 16. So I'm planning on getting a cheaper car, around $5,000. 1. Will insurance be much cheaper? They told me $1,500 for the Civic. 2. When I do turn 18 and purchase my dream car, will the insurance drop? If so how muh?""
125 motorbike insurance 19 year old?
hi, im 19 and have had a car driving licence for 2 years and clean. As my car insurance renewal is ?n a few months and because its a 2.3litre and all that talk of premiums of increasing, its my option to sell my car for a motorbike and a riding experience, so typically how much would insurance be for a 19 year old, With a new bike licence but been driving a car for 2 years (if that matters) 1000 pound 125cc motorbike stored in a garage, immobiliser, not for any sort of business and miles of maximum 2000 a year. im just asking because insurance webpages don't open on my computer today, but i roughly remember whats asked for insurance. thanks in advance""
How is the government going to make insurance premiums more affordable?
I keep hearing how Americans need more affordable health insurance, but I have yet to hear how they are planning to do this or what results we can expect. Does anyone know how they are going to achieve this for us? How much can we expect our premiums to go down as a result of the reform? Do you think it will be more than what we will pay in increased taxes?""
I'm a teenager in need of cheap reliable car insurance.?
I work for myself and I don't want my parents to pay for insurance anymore. I want to know any cheaper insurance companies that will on minimal basis (pay for damage of other driver) of needed. I'm a student studying to become an esthetician and work part time. Thank you.
Obtaining health insurance policy number?
I need my health insurance policy number for a school trip I'm taking. I don't have my Insurance card and I am wondering how to get my policy number thanks.
full coverage car insurance quotes
full coverage car insurance quotes
https://www.linkedin.com/pulse/marlborough-connecticut-cheap-car-insurance-quotes-zip-varnado/"
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When Is It OK To Forsake Stealth Wealth And Spend Up?
Lockheed SR-71 Blackbird – Ultimate Stealth
One of the biggest peculiarities for hard working folks who want to achieve financial freedom is that we often don’t know when to stop grinding. Even if we get to our target net worth amount or passive income figure, we keep on going out of habit. After a lifetime of wealth accumulation, to start drawing down principal feels sinful!
Since first writing about The Rise Of Stealth Wealth several years ago, I’m proud to see a strong adoption from successful people who’ve decided to keep things low key. Society was much angrier during the recession, and Stealth Wealth became a way of life for those who wanted to survive. Recently, however, I’ve started to get questions from long-time practitioners regarding when it’s OK to forsake Stealth Wealth and ball out a little. After all, most Stealth Wealth practitioners have seen their net worths more than triple since 2009.
Here are my thoughts for those of you who want to risk the wrath of a jealous society. As usual, I’ve set up some stringent conditions so that you’ll actually feel OK wasting money when the time comes!
When Forsaking Stealth Wealth Is OK
Forsaking Stealth Wealth is allowed if you qualify for at least THREE of the following conditions.
1) When you hit age 40. You’re half dead at 40. Anybody who rages against your spending after you’ve spent 20 years working is a moron. They either weren’t willing to grind as hard as you, don’t know how much effort you’ve put in, or simply like to blame society for all their problems.
It’s not a big deal for a 40-year-old guy to drive a Porsche 911, wear a Patek Philippe, and own a beachfront vacation condo. It’s not a big deal for a 40-year-old gal to drive a Mercedes SL convertible in $1,000 Manolos, if that’s possible. If you can’t live it up after the age of 40, when plenty of people die in their 50s, then it’s just a crying shame to work all those years for money not spent.
2) When your net worth equals 20X your gross income or more. You’ve reached junior financial independence status once your net worth has hit 20X your gross income, e.g. $100,000 household income, $2,000,000 net worth. You’ve reached senior financial independence status once your net worth is 50X your gross income, e.g. $200,000 household income, $10,000,000 net worth.
If you’re still waiting five minutes to save 10 cents a gallon on gas, aren’t willing to turn up the heat when it’s freezing, or tip your minimum wage earning waiter 20%, you’ve got to slap yourself silly for being overly frugal.
For those of you who want to forsake Stealth Wealth because your net worth is equal to 20X or more of your annual expenses, sorry. Keep on grinding because it’s better to be safe than struggling when you’re too old to work. No exceptions!
Related: Target Net Worth Amounts By Age, Income, And Work Experience
3) If you’ve owned property for at least 15 years. Owning your primary residence is the responsible thing to do because you shouldn’t fight inflation. If you’re still renting, then it’s likely you haven’t come up with a 20% downpayment yet, don’t know what you want to do with your life, and/or don’t know where you want to settle down. That’s fine, because all of us go through this “finding out phase.”
But if you’re still finding yourself, the last thing you want to do is spend your money on wasteful things. If you don’t have a 20% downpayment yet, it’s not a good idea to splurge on a $10,000 trip to Europe on your credit cards! The vast majority of people I know who decided to continue renting since I graduated from college in 1999 are much less wealthy than those who decided to buy. Deny homeownership all you want; there’s a reason why the median net worth of a homeowner is ~40X greater than the median net worth of a renter.
After 15 years of property ownership, you’ve not only increased your equity through appreciation, you’ve also paid down ~25% of your principal through regular mortgage payments. Such forced savings puts you ahead of the typical consumer because the typical consumer can’t save for donuts.
Related: Buy Real Estate As Young As You Possibly Can
4) Your house value at least 20X your car’s value. Let’s say you own a $500,000 home equity and drive a $20,000 car. You’re free to spend more frivolously given your ratio is 25:1. But let’s say you only have a $200,000 home, but drive a $55,000 BMW. It’s clear to me you’re overly focused on projecting status instead of building your wealth to take care of your family. There’s no way in hell you should be spending any more money on things you don’t need. You can be more conservative and compare your home equity to car purchase price as well.
Related: The Fiscal Responsibility Ratio
5) You have at least one additional income source equal to at least 30% of your day job income. If you’ve only got one source of income, it’s going to be much harder to achieve financial independence sooner than the average bloke. But if you can build at least one other income source equal to at least 30% of your day job income, you deserve to treat yourself to some fine shoes.
The person who makes $60,000 a year at her day job and $18,000 a year in freelance work is my hero. She knows that with more time, her freelance brand will continue to grow and so will her revenue. From experience and discussions with other hustlers, 30% is the tipping point where people really start to believe that they can leave their jobs to pursue their passions. Just be careful though. Once you leave your job, you’ve got to start the equation all over again.
The other common way to build an additional income source is obviously through investing. It feels great having your money work for you so you eventually don’t have to.
Related: Ranking The Best Passive Income Streams
6) You’ve consistently saved 50% or more of your income for 10 years. The 50% can include your pre-tax 401k/IRA contributions, your after-tax investment contributions, or a combination of both. After 10 years of saving 50% of your net income, you have 20 years of living expenses in the bank or brokerage account. There’s no reason why you can’t splurge on that three week Mediterranean cruise with a balcony.
If you successfully save 75% or more of your income for three years, you’re also free to splurge. The math is similar to saving 50% of your income for 10 years. Living like a pauper for too long kind of defeats the purpose of money.
Related: How Much Should I Have Saved By Income And Age
7) You have a profitable business that earns at least 2X the median income of your city. One of the nice things about owning a business is that you can deduct meals, trips, vehicle expenses, and other equipment necessary to run and grow your business. If you can be in a fun business, even better!
Attending a conference in a great location is one example of a nice business expense. You can write off your plane ticket, hotel cost, half your meals, taxi fares, and cellular phone usage among other things. Therefore, your true cost is whatever the original cost is minus your effective tax rate.
But running a profitable business can be hard. Therefore, your business must have operating profits of at least 2X the median income of your city before you to start feeling like it’s OK to loosen your wallet a little, e.g. $160,000 in operating profits compared to San Francisco’s $76,000 median household income.
Blogging income statement
Related: How To Start A Website
8) Your kids are independent adults. If you’ve managed to raise independent adults who aren’t coming to you for a mortgage downpayment, a place to live, a car, laundry, or your yummy meatloaf, then well done! There are so many young folks out there nowadays who don’t give a crap about working hard because they know the Bank of Mom and Dad will simply bail them out.
There are kids in high school and college who brag about their fancy cars, even though their parents made the purchase. No wonder they get beat up all the time. What kind of insensitive idiot rubs their wealth in other kid’s faces when nobody has a full-time job? There are college graduates who brag to their friends about their new condo their parents bought for them too. No wonder why they don’t get promoted or paid as well at work. Why should they when they’ve already told all their colleagues they’re rich.
Young adults are savvy nowadays. They know how to convince their parents to pay for everything even as adults. If you’ve been able to instill in your kids the pride of making it on their own, you deserve to live it up. There are just way too many spoiled rich kids ruining it for the rest of us because their parents have no discipline to tell them to make their own fortunes.
Related: Why Millennials Don’t Give A Damn About Money
9) You’ve got a pension that covers all your living costs. If you’ve got a pension, count yourself as one of the lucky few who never has to worry about money again. To earn a pension that covers all your living costs comfortably, that must also mean you worked for at least 25-30 years at the same institution. That is an incredibly honorable feat that must be rewarded given everybody is afflicted with the “grass is always greener” syndrome nowadays.
Related: How To Calculate The Value Your Pension
10) You got a full-ride to college. If you’ve somehow managed to side-step the burden of college tuition through merit, then you deserve to reward yourself for a job well-done. You likely won’t be one of those students who believes he deserves an “A lifestyle” while getting C’s. A full-ride is tuition, room, and board 100% paid for by the school or an outside scholarship. Having your parents pay for everything does not count!
Related: Why Do Smart Kids Make Dumb Decisions About Private School?
11) You’ve successfully not told anybody how much you truly make for 10 years. When you’re young and insecure, it’s very tempting to tell all your friends how much you make, especially if you know it’s more than most people. By bragging to your friends, you end up making enemies. If you’ve been able to keep your true income and wealth under wraps for at least 10 years, you’ve been able to overcome your insecurity. Your mindset changes from trying to feel better about yourself, to trying to help others.
Related: Never Tell Anybody How Much You Truly Make
12) You pay more than $150,000 a year in total taxes. If you’re paying almost triple the annual household income in the form of taxes, you should be able to splurge on that $100,000 wedding after buying a flawless two carat ring. Such expenditure might keep you in the rat race for years more, but hey, you deserve it. You’re helping subsidize a high percentage of Americans who pay zero income taxes to keep the country humming. Live a little.
If you’re working 60+ hours a week for the privilege of paying $185,600 a year in city, state, federal, and social security tax, you deserve to live a little once in a while!
Related: Scraping By On $500,000 A Year
Or, you can be like this person who makes $100,000 a year, but pays a more reasonable ~$22,500 in property, state, and federal taxes.
Related: How To Pay Little To No Taxes For The Rest Of Your Life
13) You’re donating at least 15% of your gross income to charity. Did you know the average percentage of income donated to charity is less than 5%? If you’re consistently donating 3X the average, you’re doing a splendid job! And hopefully, if you can afford to donate 15% to charity and pay taxes, then you’re likely relatively well off.
Source: IRS Statistics Of Income 2014
Stealth Wealth For Life
Given the good times are back, it’s become slightly more acceptable to live a wealthy life now that everybody else has gotten wealthier too. Just know that as soon as there is a downturn, society will turn on you for still being wealthy if they’re not. Therefore, be forever aware about the economic conditions of your neighborhood and the state of the country in general.
The more mindful you can be about other people’s financial situations, the better people will treat you. In fact, I encourage you to be more humble and seem less knowledgeable than you really are to get ahead. The people who are shouting from their rooftops about how rich they are aren’t as happy as the people who feel no need to do the same.
Readers, what are some more examples when forsaking Stealth Wealth is OK? Do you qualify for two or more of the items above?
from http://www.financialsamurai.com/when-is-it-ok-to-forsake-stealth-wealth-and-spend-up/
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