#i asked him for a tank of gas (40 bucks even) and he said that im being unfair bc he let me get gas with his money so i owe him pepsi | Explore Tumblr Posts and Blogs

xbreezymeadowsx · 4 years

Text

200 Questions

No one asked me to do it but I made @sharpiewashere do it so it’s only fair I suffer through, too.

200: My crush’s name is: Zach because husband but also... Tommy motherfuckin’ Flanagan

199: I was born in: New Hampshire

198: I am really: horny and annoyed

197: My cellphone company is: Verizon

196: My eye color is: Brown

195: My shoe size is: like 10.5W I think.

194: My ring size is: I think it’s a 9.

193: My height is: 5’ 3”

192: I am allergic to: cats and crop dust

191: My 1st car was: old ass shitty Jeep Grand Cherokee

190: My 1st job was: at a stand in a city mall where we had an inflatable slide and two bounces houses and served sno cones, smoothies, and novelty ice creams

189: Last book you read: Fangs by Sarah Andersen

188: My bed is: fuckin’ broken and uncomfortable and clearly not big enough for myself and my bedhog husband.

187: My pet: 1 old black cat.

186: My best friend: Yuki (that bitch is my best best best friend and I miss her to pieces)

185: My favorite shampoo is: Garnier Whole Blends: Honey Treasures

184: Xbox or ps3: Fuck both. Switch.

183: Piggy banks are: cute

182: In my pockets: nada at the moment

181: On my calendar: is scribbles from my kid

180: Marriage is: Don’t marry a redneck!

179: Spongebob can: stop. Give me the early Bob but that’s it.

178: My mom: loves Unicorns

177: The last three songs I bought were? Wap metal version, Room with a Zoo, Shoop

176: Last YouTube video watched: GabSmolders playing Control

175: How many cousins do you have? technically only 2 by blood and actual familial connections. 6 if you count some others. 9 if you count step-cousins.

174: Do you have any siblings? 1 big Seester!

173: Are your parents divorced? Yeah

172: Are you taller than your mom? Maybe? IDK, we’re both shorties

171: Do you play an instrument? sadly, no.

170: What did you do yesterday? Slept and worked

[ I Believe In ]

169: Love at first sight: yes

168: Luck: yes

167: Fate: yes

166: Yourself: HA, you’re funny.

165: Aliens: no

164: Heaven: these are...

163: Hell: ... kinda loaded...

162: God: ... questions

161: Horoscopes: maybe

160: Soul mates: yes

159: Ghosts: yes

158: Gay Marriage: yes

157: War: yes

156: Orbs: yes

155: Magic: yes

[ This or That ]

154: Hugs or Kisses: hugs

153: Drunk or High: unfortunately neither.

152: Phone or Online: online

151: Red heads or Black haired: black

150: Blondes or Brunettes: brunette

149: Hot or cold: cold

148: Summer or winter: winter

147: Autumn or Spring: autumn

146: Chocolate or vanilla: chocolate

145: Night or Day: night

144: Oranges or Apples: apples

143: Curly or Straight hair: straight

142: McDonalds or Burger King: McD’s outta these choices but I’d take Steak’N’Shake over either.

141: White Chocolate or Milk Chocolate: Milk and Dark.

140: Mac or PC: PC

139: Flip flops or high heals: flip flops

138: Ugly and rich OR sweet and poor: Zach can be sweet (he certainly isn’t ugly to look at) and we’re definitely on the poor side.

137: Coke or Pepsi: Pepsi (anybody remember Pepsi Twist? That was the best!)

136: Hillary or Obama: Obama

135: Buried or cremated: Buried I guess. Though, if I’m cremated, my ashes need to be spread in one place and no separating them.

134: Singing or Dancing: singing

133: Coach or Chanel: I am a redneck, these things don’t mean anything to me.

132: Kat McPhee or Taylor Hicks: who?

131: Small town or Big city: small town

130: Wal-Mart or Target: Either? I shop Wal-Mart all the time out of convenience but I do like Target

129: Ben Stiller or Adam Sandler: I am overall not a fan of either barring a select couple movies (like Heavyweights and Little Nicky)

128: Manicure or Pedicure: no thanks.

127: East Coast or West Coast: east coast

126: Your Birthday or Christmas: Christmas

125: Chocolate or Flowers: chocolate

124: Disney or Six Flags: Can I go to a Zoo instead?

123: Yankees or Red Sox: I’ll say Sox because New England but I don’t particularly care for baseball.

[ Here’s What I Think About ]

122: War: there’s a time and place

121: George Bush: he’s an idiot?

120: Gay Marriage: yay!

119: The presidential election: tearing families apart because people are stupid and vote for Trump

118: Abortion: this is a bit of a grey area for me. While I firmly believe in “my body, my choice”, I do not accept that argument if you are constantly getting them as if it is a form of birth control. Use proper contraceptives you slut.

117: MySpace: does that even exist anymore?

116: Reality TV: certain ones can assume me.

115: Parents: love them even when you don’t like them.

114: Back stabbers: pussies.

113: Ebay: never used it

112: Facebook: is reserved for pictures of kids, pets, funny videos and memes, and gifs.

111: Work: shitty... literally

110: My Neighbors: I’m just glad they aren’t the cousin-fuckers or the Methicans anymore.

109: Gas Prices: it takes like 20 bucks to fill my tiny car gas tank so whatever.

108: Designer Clothes: never fit me

107: College: didn’t go.

106: Sports: HA. My fat ass play sports? Maybe Badminton or Tetherball but that’s it.

105: My family: lives too far away.

104: The future: needs to be better than now.

[ Last time I ]

103: Hugged someone: like 20 mins ago when my kid was trying to suck up to me to get a sip of my frappe.

102: Last time you ate: two hours ago.

101: Saw someone I haven’t seen in awhile: Zane’s first day of school this year. Miss Angie came over to see him off in the morning.

100: Cried in front of someone: probably a few weeks ago.

99: Went to a movie theater: Twilight Breaking Dawn pt 2.

98: Took a vacation: three years ago.

97: Swam in a pool: probably close to 8 or more years ago.

96: Changed a diaper: 4-5 yrs ago.

95: Got my nails done: professionally? never. By Zane? last weekend.

94: Went to a wedding: three years ago.

93: Broke a bone: never. dislocated shit though.

92: Got a piercing: over a decade

91: Broke the law: probably frequently without realizing it.

90: Texted: couple mins ago.

[ MISC ]

89: Who makes you laugh the most: oh I’m a funny bitch

88: Something I will really miss when I leave home is: nothing? fuck this house. fuck this town. fuck this state. I wanna go HOME home.

87: The last movie I saw: Smokin’ Aces 2

86: The thing that I’m looking forward to the most: my nephew’s birth and the vacation we plan to take to see him!

85: The thing i’m not looking forward to: the travel for the vacation stated above.

84: People call me: a lot of things. most of them true.

83: The most difficult thing to do is: wake up

82: I have gotten a speeding ticket: nope

81: My zodiac sign is: Taurus

80: The first person i talked to today was: my husband

79: First time you had a crush: I had a massive crush on Shawn Micheals as a kid.

78: The one person who i can’t hide things from: my Seester

77: Last time someone said something you were thinking: probably someone in the Flanaclan Chapel

76: Right now I am talking to: the Flanaclan on and off

75: What are you going to do when you grow up: I’m supposed to grow up?

74: I have/will get a job: yes

73: Tomorrow: is Halloween

72: Today: I’m horny and annoyed

71: Next Summer: is a long time away

70: Next Weekend: work

69: I have these pets: already answered

68: The worst sound in the world: right now I’d have to say it’s Zane clucking his tongue.

67: The person that makes me cry the most is: myself? or more specifically my anxiety brain.

66: People that make you happy: my Flanaclan friends, my bff, my sister.

65: Last time I cried: a few weeks ago

64: My friends are: on the internet and/or mostly too far away

63: My computer is: a hunk of shit laptop

62: My School: never going ever again.

61: My Car: looks like the car emoji.

60: I lose all respect for people who: beat animals

59: The movie I cried at was: recently? Up

58: Your hair color is: brown

57: TV shows you watch: SOA, SVU, SWAT, wrestling, Wynonna Earp, Van Helsing, Supernatural

56: Favorite web site: tumblr and youtube

55: Your dream vacation: Scotland, Ireland, Wales, England, all that.

54: The worst pain I was ever in was: dislocating my knee

53: How do you like your steak cooked: med rare

52: My room is: some boring off-white

51: My favorite celebrity is: Tommy Flanagan

50: Where would you like to be: New Hampshire

49: Do you want children: I have 1 and that’s 1 too many.

48: Ever been in love: yup

47: Who’s your best friend: didn’t I already answer this?

46: More guy friends or girl friends: girls nowadays. guys around here suck.

45: One thing that makes you feel great is: reading Chibs fics, staring at Flanagan

44: One person that you wish you could see right now: Flanagan

43: Do you have a 5 year plan: hell no

42: Have you made a list of things to do before you die: no

41: Have you pre-named your children: I did not.

40: Last person I got mad at: me

39: I would like to move to: for the millionth time, New Hampshire

38: I wish I was a professional: dog sitter/walker

[ My Favorites ]

37: Candy: Sour Patch Watermelons

36: Vehicle: 90′s Ford Ranger, Jeep Renegade, Jeep Wrangler, Jeep Gladiator, Ford Shelby GT350R

35: President: certainly not the fuckin’ current one.

34: State visited: Massachusetts

33: Cellphone provider: Verizon

32: Athlete: Aleister Black, Drew McIntyre, Luchasaurus, Sonny Kiss (and fuck you if you try to tell me they aren’t athletes)

31: Actor: Tommy Flanagan

30: Actress: Millie Bobby Brown

29: Singer: Ville Valo

28: Band: HIM

27: Clothing store: don’t care.

26: Grocery store: don’t care.

25: TV show: Law & Order: SVU (as much as I’d love to say SOA, Law & Order was my first real love)

24: Movie: 10 Things I Hate About You

23: Website: tumblr, youtube

22: Animal: dogs, wolves

21: Theme park: Zoos

20: Holiday: Halloween

19: Sport to watch: professional wrestling, football, hockey

18: Sport to play: nothing that requires that much energy

17: Magazine: don’t read them much

16: Book: the House Of Night series and sequel series by P.C. Cast and Kristen Cast (I don’t care that I’m probably too old for them now, I love them)

15: Day of the week: Saturday

14: Beach: Hampton Beach, NH

13: Concert attended: 69 Eyes headlined (opening with Night Kills The Day, then Fair To Midland which were fine but also Wednesday 13!!!!!)

12: Thing to cook: fajitas

11: Food: apple fritters/apple cider donuts

10: Restaurant: Panda Express I suppose.

9: Radio station: WGFA

8: Yankee candle scent: Midsummers Night

7: Perfume: don’t wear perfume so much as body spray and it’s usually something like cucumber melon or some baked goods scent.

6: Flower: Tiger Lillies

5: Color: Green- specifically Forest/Hunter

4: Talk show host: idk I used to watch Maury all the time, does that count?

3: Comedian: George Carlin

2: Dog breed: Pittie mixes, mutts, labs, medium to big short haired breeds

1: Did you answer all these truthfully? Yes I did.

#200 questions #jeez that took a long time #do it #i dare you

2 notes · View notes

yourrainycollectorhologram-blog · 6 years

Text

Medican Insurance after 21 years old???????

"Medican Insurance after 21 years old???????

I am 20 years old i will be 21 soon , i heard that my medican insurance will be cut when i am 21 years old ... Can some one please tell me what i can do to keep my insurance ???? WIll going to school full time help, working ... anything please just tell me anything that u know.

BEST ANSWER: Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr

RELATED QUESTIONS:

Proof of Insurance (and deferral)?

Hello, I live in washington state, and have a mitigation hearing tomorrow for a speeding ticket. It's my first, so I have a few questions. In my ticket im charged with no proof of insurance, BUT I was wrong, I had my insurance I was just confused, I did not realize our AAA was our insurance as well as the aid that they're known for. Anyways, since then I have lost my wallet. So I have a temporary lisence but still no insurance card. So how do I get proof that I had insurance on that day? I have an insurance policy card I've been keeping in the dash. Will that work? Then how do I get this deferred? Do I ask the judge, or do I need to go to the courthouse today to get a form, etc. Thanks for any help.""

Car insurance - car pay out?

Recently my friend had an accident. His car is an import and the insurance company want to write it off and as they cannot get hold of replacement parts. Does he have the right to refuse their offer for pay out as the car is worth more than they are giving him. As its an import, and a sports car, he knows he can get more for it on auto trader and eBay. Or can he settle the claim with them by asking them to pay for the repair if he can sort out a garage who is willing to fix his car for less than the insurance company had suggested.""

Reviews on best insurance company to work for?

thinking of working as agent for insurance company. Which company has best reviews to work for?

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.

I need help finding the right health insurance?

I am 21 years old female I'm married no kids. I am having problems with my knees I can not walk without pain or swelling involved on virus knees, because of this pain I have not ...show more""

Is it illegal in alabama to refuse to give insurance info?

a company van hit my parked car in a parking lot the driver left note with manager of business saying where he worked,what time he hit my car and location in parking lot,now business owner is refusing to tell me who his insurance carrier is ,the driver also wrote down his name""

I got a speeding ticket in my car. Would that affect motorcycle insurance?

Im looking to get a motorcycle. Would a speeding ticket in a car affect motorcycle insurance.

""How much do you pay for car insurance in dorchester,ma ?

2006 Nissan Murano SL AWD or similar car.

How much is cost of insurance of car driven by Indian driving licence holder in UK?

COBRA health insurance...?

is there anyone who recently left the military? How does the COBRA health insurance work?

""Trying to save on car insurance, who should I go with?""

Currently I pay $122.00 for car insurance with State Farm. This is going to go up I am sure since I moved back to a larger city and when I lived here before I was paying a lot more. That is two cars, a 2008 Dodge 4 Door and a 2002 Focus all full coverage 100,000/300,000 Limits with a $500 deductibles you get the idea. Oh and I also have renters for about 10 bucks a month.... okay so I just was quoted by Gieco with lower deductibles, from the more expensive city and I was quoted at about $68 (without the renters) Thoughts on the matter, is this possible should I make the switch? Is $68 too low for two cars and are they baiting me and will they get me later with the higher rates?""

Why is my credit ratingscore brought down for getting car insurance quotes?

I'm trying to get auto and renter's insurance and I do not understand why my credit score is brought down because of this. Can't they tell I'm not our trying to get several credit cards or lines of credit or loans? How can this be dealt with and changed or stopped? If this is going to happen, how will my credit look in two years when I am ready to buy a newer vehicle?""

Car vs Motorcycle?

I have a Chevy Cobalt that get around 35mpg but I drive over 150 miles a day should I get a motorcycle to save money? if so what kind I was think about a Ninja 250 i weigh 165 pounds and am 5'10

Infiniti g35 coupe insurance cost?

Im looking to buy my first car YAY my parents agrred that they would put a down payment if i get a NEW never used car they only thing i have to do is pay the rest of it off in the length. but i dont want it to be to expensive and what not, so i was looking at a a infiniti g35 coupe between 04-06 used under car specs all are under 100,000 miles range from 50,000-88k could you give me an estamite how much insurance would come to, b/c the cars are under12k so buying it will be really easy. im 17 full licence only drive to work,school, and home so i would say only about 40 miles a month Both my parents have outstanding drving records (they only pay 440 every 6 months)""

Whats up with car insurance for teens?

So Im 17 and hoping to do my test by the end of this year. My dad has promised to buy me a car when I pass so out of curiosity I went online to check out how much car insurance was for the car im getting. To put simple, the cheapest quote I got was 6000. The car Im getting is less than a grand itself :o I even got quoted 12000 once :/ wtf?""

Car insurance liability question?

I was recently in a car accident. A vehicle was attempting to pass me on the right in a parking lot and hit my car. My insurance company said that I am not at fault. However, the other party's insurance said that I am at fault for the accident and will not pay to have my car repaired. I am positive that it is not my fault and it is easy to tell by looking at the damage to my vehicle. How can I go about having the insurance company pay for the damages to my car?""

Auto insurance broker fee in CA?

Hi I live in CA i just bought a new 2012 hyundai and went to get insurance through Freeway Insurance and I signed up for a 12 month premium with Farmers they did not tell me anything about a broker fee until after i signed all the paperwork. I am 20yrs old and paying $220 a month for full coverage. They charged me a $275 Broker fee I just want to no if this is even legal or if they ripped me off! I walked out spending $560.00 Are they allowed to charge such high fees I will call my credit card and have them refund it immediately if they ripped me off. Please help. Open to all answers thankyou!

Why does my old insurance company want to see my new policy?

I recently switched car insurance companies (from country insurance to allstate) and when my husband called to cancel our old companies policy they refused until we fax them a copy of our new policy with allstate. I dont understand why thy need this information. We arent asking them to back date and pay us for any time we already paid for (we arranged our allstate policy to begin the day our country insurance ended) and in the years we have been with country insurance, we have ever once filed a claim. Never payed late (had automatic withdrawl). If anyone knows why country insurance would need our new policy info before they cancel our old policy i Would greatly appreciate any input. Thanks!""

Can the insurance of a car I own cover 16 year old girl driver?

Cheap health insurance?

I graduated college and I am getting kicked off my parents plan. I don't have a job with benefits available, although it will become available in September. Are there any plans that have a low monthly payment? I don't need anything fancy, just catastrophic insurance. I don't need RX, Eye, Dental, just the bare minimum. Any suggestions?""

What does health insurance cover?

i recently turned 18 and am in need of Knee surgury. if i got health insurance right now, would it cover the surgury? or would it be like trying to get a totaled car insured? if insurance doesn't cover it, what should i do? i live in NJ.""

How much should a car cost? Really.?

Just from some light browsing on the internet, it seems like they (the advertisers/car manufacturers) want us to believe that $30k is a reasonable median cost for a new car in the U.S. The price goes up disporportionately if they can call it a 'crossover' or the holy grail: SUV!!! $$$$$$$$ Assuming a person makes around $50k a year gross/ $30k a year net (is that a reasonable assumption for the U.S.?), and assuming the car will be worth close to $0 in 5 years, a $30k car works out to be around 20% of his or her income, not including gas repairs insurance et cetera. Is this reasonable? Is it sustainable? Are we heading for a 'correction' in auto pricing? or is the plan that we all just use financing tricks to perpetuate these exhorbitant prices?""

Who does the cheapest temp cover car insurance?

When will a vandalism( to my vehicle) go off my record for insurance purposes???

About 2.5 years ago some kids used nylons and a hamburger wrapper in my gas tank to set my truck on fire. It was a brand new tahoe with dealer plates and it had to be deemed totaled due to damages. Now I am trying to change insurance and get quotes and even though I was not at fault and didn't even know these children it increases my premiums by about 600 every 6 months. Does anybody know when this will go off my record? I cant understand why I'm being held financially accountable for some delinquents behavior.

Do you need insurance if you only have temporary tags?

I was wondering if you need insurance if you have temporary tags in Ohio, and if you do, what's the cheapest insurance company for male teens?""

Medican Insurance after 21 years old???????

If there was affordable health insurance would there be early retirements and jobs for the youth?

Accident and insurance?

If you get into a car accident, will your insurance pay for the cost of repair, or if it is totaled will it pay for a new car? In what situation will they be able to pay for the cost of repair or car?""

What is Comprehensive Car insurance and Third Party Property Damage Insurance ?

I need a brief description (that's not to complicated please:) of Comprehensive Car insurance and Third Party Property Damage Insurance :)

What are california's car insurance laws?

Im a new driver and was wondering if its a type of insurance i need. I only have Liability on my car nothing else am i ok if i get pulled over and asked for proof of insurance??

Who does the cheapest 1 day car insurance?

Car insurance quote help.?

So this is personal, but I'm going to be emancipated soon or at least when I turn 18, and I'm going to be living in my car or possibly renting at a friends house for around $100. I'm not made of money, I only have a weekend part time job and another one possibly soon. I'm a full time high school student with a GPA of 2.6 and I'll turn 18 in November. I know that my GPA isn't stellar but last semester I made a 4.0 and this semester I'll have at least a 3.4. I can't get a STUPID QUOTE because I'm not 18 yet and I tried fibbing my age, but it was wise to me and shut me out anyway. I live in Marietta, GA (Cobb County), and I drive a 2000 Buick regal. If someone could run a quote for me I would be sooo greatful. Also, do you have to have an address to put down like a house to have car insurance? Thanks!""

Life insurance for police officers?

Can police officers get extended life insurance to cover death on the job? If so, how much - 5 million?""

""How to save more money as a teen, for a car and motorcycle?""

I'm about to turn 16, and would like to save up for a reliable, cheap (2k-4.5k), good-looking, car. It has to be American, or anything other than Honda, Subaru, Toyota, Lexus, Hyundai, etc. cause dad works for GM. I am paying for the car on my own, most likely, but maybe I can convince parents to pay 1k or so. Money is tight right now in my family. Dad got demoted last year during GM's bankruptcy, and may get a promotion in spring. My Mom is opening a restaurant this year, which is going to cost a lot. I got a job in November at a brand new Kroger grocery store, where I get minimum wage and cannot work over 16 hours per week because I'm only 15. I have saved a little over 1.2k in the bank. I also have invested $500 of my own money this year into stocks, which are up a little. This might sound dumb to some, but I have dreamed of buying a motorcycle. I want a Kawasaki Ninja 650R. AND YES, I KNOW INSURANCE COSTS MONEY, (FOR CAR AND MOTORCYCLE) I'M NOT AN IDIOT. I also need to plan on how to save for that. Any tips, help, and info would be great! Thanks so much.""

""Which company offers the cheapest auto insurance in Snohomish County, WA?""

It's my first time having to get car insurance - I know there are a lot of factors, but I'm just looking for a general answer - not just Geico, Allstate, State Farm, etc..... Thank you :)""

What kind of car insurance can i obtain?

I am 20 years old and i live in California. I have a driver's license but no car. I have heard that there is a type of insurance policy that can cover any car that I drive that is not of my own. Does anyone know which policy that is and from which agency is it from. Also if its an expensive one.

Can i change my license address to be covered by car insurance?

background info: -17 yrs old, male, got my license in january so its provisional, live in california. so i contacted my mom's auto insurance (liberty mutual) and they said the only way i would be covered as an occasional driver without being listed is if i didn't live in the same household otherwise i would have to be listed. so would it work if i just changed the address on my license?""

Question about a car accident insurance?

i was crashed into yesterday by some one who ran a red light, we made a police report and the man has claimed responsibility, he told me not to notify the insurance company and that he would have someone take care of the damage himself, the total estimate was 1856.00 dollars, he said he does not have the money to pay me but will have his :friend do the repairs for him, keep in mind this does not include car rentals fees and the inconvenience of not having my vehicle for a week, I'm set on ignoring this man and calling my insurance company today, my question is what should I do, I'm right for just ignoring this man who seams to have mental issues and going straight threw the insurance.""

Average Motorcycle insurance?

thinking about getting one. best route take as far as insurance, bikers course, type of bike. its my first bike.""

How much would car insurance be for a used 2012 Dodge Charger SXT?

I am an 18 year old male with no accidents or tickets and my parents and i are looking to get a new car for me. (well not new but new to me) So i was just wondering what might be the ...show more

Cant get contents home insurance because of council windows?

We live in a council flat and because we have metal framed windows without the key locking system like the new ones, insurance companies wont insure us for our contents. I complained to this to the council also but they are not going to replace windows either, even though one is stuck, yet they put all new windows in around the corner to us and gave them new doors, and left our block out. Suggestions?""

""Find the total monthly payment, including taxes and insurance?""

Mortage: 72,890 Interest Rate: 5.5% Term of Loan: 15 years Annual Taxes:$1850 Annual Insurance: $545""

How to find Affordable Care Insurance for Multiple Sclerosis in Indiana?

How do you find a affordable insurance plan when spouse has multiple sclerosis? I can't get any information. I see that people say they got a good plan, but I can't find any for us. How do you stop the harassing phone calls after you try to see plans? Please help, thank you.""

A question about car insurnace?

Hello, I just paid my car insurance......the lady said I should get my own insurance so I can start getting my own discounts , I am 30 years old and both my sisters (32 and 28) are on my mom and dad's insurance plan too, we get a multi line and multi car discount that adds up to about $40 dollars every 6 months for me.....I was in a hurry so I didn't really ask why but was wondering about it after I left.....I pay $112 every 6 months so $40 extra would be kind of crazy wouldn't it? Just wondering why......thank you.......""

Will buying a previously wrecked car drive up my insurance?

Im a new driver and my parents want to buy me an Acura TSX. I found one online and went to test drive it and found out it had been in a moderate car crash, but had been completely fixed and repaired. I went to the mechanic and he ok'd the car for me. We want to buy it, but is the fact that the previous owner crashed it going to drive up the cost to insure it?""

Full coverage insurance ...?

if you have full coverage car insurance does it cover you even if you take a trip that is a 1000 miles are is there a limit on how far you go?

Which dental insurance/plan?

i recently came to the US from UK and i have 2 teeth at front that were once chipped and now built up with 'cement'. i plan to possibly have a couple boxing matches while im here. so im looking for a purely dental plan that covers things like the possibility of my tooth chipping again etc. but would also like basic dental coverage while im here too (as my wisdom teeth are coming through n its possible i might need them removed?)

Health Insurance Out of State?

I have pectus excavatum and I live in Marshalltown Iowa. I want to get a cosmetic procedure done called the nuss procedure. Most insurance companies say they cover this surgery. I know for a fact that my condition is severe enough that I could get the procedure done. I also want to get the procedure done out of state because the only doctor that's able to do it in Iowa blows and nearly killed 2 people. What type of insurance do I need specifically need for this? I can spend 300-350$ maximum but would like to spend 200-250$ for insurance. Pectus excavatum is classified as a pre-existing medical condition so I have been told that it would be hard for me to get insurance. Right now I have IowaCare which is a joke and only covers surgery or hospitalization in Iowa City. Thanks!!!

Can i get insurance with my learners permit?

Hi i finished my MSF course about two months ago and i want to get my own insurance, since my brother is leaving to collage. im 18 and have my leaners permit for about 2 months. I'll get my motorcycle license in 4 more months. i asked PROGRESSIVE and they said they won't be able to insure me till i have my license. BQ: what insurance do you have? any you recommend? I have a clean record.""

Can you drive someone else's car without your own insurance but their car is covered?

For example, if I drive my friend's insured car and she's in the passenger seat while I'm driving (without my own insurance), is it legal? Also, can I drive my parents' car occasionally without my own insurance but the car is insured? I'm 17 with a California driver's license. Thank you!""

How can i find the owner of the car and what insurance he's using?

Someone bumped into my car while I was working. I have a witness who gave me the license no. and I have reported this to the police but they said as it happened in a private car park, ...show more""

Medican Insurance after 21 years old???????

UK car insurance question?

Cheapest car insurance for 17 year old boy, 3rd party F&T. 1. Provisional licence holder 2. Full licence holder Thank you""

How much Roughly for first car + insurance?

I am 15 looking to start saving for a first car in in the UK by the way. Also I'm talking about insurance for when im 17/18 year old my guess would be around 5-8k for a first car plus insurance? Thanks

18 years old purchasing car and insurance?

I am an 18 year old female and im looking to purchase a car - preferably a new car but we'll see how far that goes... I would like opinions on which car insurance is the best for new drivers. I did a couple of quotes and Geico seems to be good, any other suggestions?""

Where can I find super cheap auto insurance?

I just want something to cover me legally. I don't need any advice on why I should not get crap insurance, I literally would just like to know where to get great rates. I found ...show more""

Can my husband leave his life insurance to his mother?

My daughter was recently married to the man of her dreams . Well as it turns out he is not such a great guy after all. My daughter changed her life insurance policy beneficiary from me (mom) to her husband as she should. Her husband on the other hand has decided that he will leave his mom as his beneficiary for good. They are really fighting about it, and I think he can't leave everything to his mom anyway. Will his mom really get everything if by some horrible event he passes. He is in the military and will be deployed very soon, so this is a real concern.""

Am i stuck paying for my teens car insurance if their father doesnt want to pay it?

We both have joint physical and legal custody and we both live in california.

UK: Converting standard car to kit car to reduce insurance?

I'm 19 and I drove a Jaguar S-type in the US. I've moved back to the UK and my insurance premiums are looking around 7000 (roughly 4x of what it was in the US). What I'm thinking is what if I buy an s-type, and replace the engine with a small 1.6L engine (I don't care about speed, just luxury) and change the car to a 'kit car' status, will that lower my insurance to a more affordable rate? Thanks for any advice.""

How much higher is car insurance in harris county texas vs fortbend county?

""Ohio motorcycle insurance, 18 years old.?

I want to buy a motorcycle and I have the money but the only question I have is where I can find reasonable insurance rates. I am 18 and have never owned a motorcycle before. I am interested in buying a 1970's Kawasaki 400. Can someone give me advice or point me in the right direction regarding insurance?

Help insuring a Car?

I am 16 years old and from the UK. I will be turning 17 in november and getting a driving licence. I was offered a car from my step dad. It is a 1996 Honda Civic Coupe LSi in green/blue. It has a 1.5 litre engine, and although not very powerful, it is very desireble to steal. It might be important to mention here that it has an automatic transmission. Here is a picture of the same kind of car. http://www.auto.vl.ru/catalog_photos/honda/civic_coupe/honda_civic_coupe_11787.jpg This car has a sentimentle value and it is the first car I ever drove. I have tried online insurance sites to see how much it would be to insure. All the prices are very high. I just wanted some advice on how to insure this car cheap. Or at least cheaper then the quotes I have been getting. I am willing to keep it in a garage, it has an alarm and I will use a steering lock, but the quotes are still expensive. .Thanks for any help I get

Do you think its best for me to pay the car insurance all in one go?

am thinking of saving up about 2000 because that's how much my car insurance a year will be and pay it all in one go or just pay monthly? which is better? if pay it all off then i have to save up for a good 4 or 3 months. answer please no stupidity :P

If you have full coverage auto insurance through State Farm..does that include..?

Any type of roadside assistance? Like if I break down, would they cover the tow ? What about medical expenses for people in my vehicle? I've been supplementing with AAA for ...show more""

Insurance for mitsoubishi rvr import?

Am trying to find an insurance company who will give me a good insurance price on the above car.It is a 4 door,4x4,petrol automatic,1994 grey import.My present company charging the earth because they say it is group19 sports car.Is down on the reg document as an estate!""

How much did you pay for your first car insurance? !?

Hey im gettin a first car soon, i only passed last week! and i understand that insurance for first time buyers is VERY expensive! If anyone could quote me some of the prices they payed on insurance for there first and the car they had that would be great!!! (IN ENGLAND BY THE WAY)""

How does a car insurance company make money?

Does the government back the car insurance companies?

Is insurance on bikes cheaper than cars at 17?

I am thinking of getting a bike when I'm 17 but I was wondering which one is cheaper? If I chose a bike it will probably be a 125cc but if I chose a car it will be like a ford fiesta type. Which one is cheaper to run and maintain?

Pimped car insurance?

I've always wondered how people get car insurance after their car has been pimped. I mean the cars are changed so dramatically and all these gadgets added - how on earth do you explain it to an insurance company?!!

17 year old car insurance help?!? Modification!?

Just got a Nissan micra 1.2 10 year old, insurance quotes cheapest is 2700 with a parent as a named driver, how can I get this Down and I wanted to add some mods""

Life Insurance?

If someone has life insurance and also has a home mortgage, does the life insurance goes to the mortgage?""

Visitor medical insurance?

Hi all, I am from San Antonio,TX and my parent in-laws are visiting USA. I am looking to buy a visitor medical insurance and i confused of to buy a trusted one. I am much concerned about coverage/providers. Which one is most trust-able and where can i buy ? I want to buy a good one and i dont want get cheated by UN-known or a wrong insurance where the health care facility says we don't know this insurance or all the (covered) claims are simply denied. Thank you all...""

Teen license insurance?

on average, how much does a 17 year olds car insurance cost without drivers ed?""

Why are my car insurance quotes so high?

Hi, I'm 27 with a full CLEAN UK driving licence and keep getting ridiculously high car insurance quotes. Now before anyone says I DO understand the car I would like is a high risk car but I think the fact Ive been driving accident free since 2001 (when i passed) with no claims points convictions whatsoever and 6 years no claims I should be doing better than this. The car Im trying to insure is a Mitsubishi Evolution FQ320 and cant get a quote below 2000!! I have a friend who is a few days younger than me (so nothing in it) with identical details and regularly gets quotes for the same vehicle below 1400!!! I cant see why this is. Ive tried changing my postcode to his (for the purpose of seeing if this is the difference) to no avail. Adding responsible family members as named drivers who i would legitimately allow to also use the vehicle...no difference. I almost feel like the insurance companies are picking on me for some reason? Can anyone shed any light as to what I could do to make this situation better and why this seems to be the case? Thanks in advance!""

Young Driver Insurance?

Ok, here's what's going on. i am basically a new driver and have passed my test 18 march last year. the time has come for me getting a car, however the insurance premiums are ridiculously high. I have used the comparing websites, but they offer no real result, so I phoned a few up. This is what they gave me, I was asking for a quote, on an 04 Renault Clio 1.2 Dynamic with 3 doors. Co-operative insurance 4645 (Full Comp) Direct line Over 3000(Full Comp) (they wouldn't give an accurate result, I'd have to be transferred onto another dept.) Quinn Direct 6000 (Third party, Fire & Theft only, i was then informed that their premiums where increased) All in my own name and not under any parents, however it seems like the best option at the moment. I do know about a few companies that specialise in young driver insurance, one called Young Marmalade and another called i-Kube. Both are cheaper, but there are catches to policies, i-Kube requires you to have a GPS tracker fitted, if you drive passed 11PM at night a 100 Penalty is incurred, and for each night you drive past said time. with young marmalade you need to have the pass plus scheme. I also know that premiums are subject to a post code area rating. (CH 62) so if anyone could tell me where cheap insurance for this type of car is I would be great-full.""

RWD Japanese sports cars that are cheap to insure?

I.E. Not Skylines or 350Z's.

Car insurance help about fully comprehensive ?

Ok so next month I have to renew my car insurance as it will be my 2nd year driving, I'm third party fire and theft at the minute and I'm planning on going fully comp. Now if I go fully comp and it includes windscreen cover and I use it (as I have a chip and a crack in my windscreen) will that mean I'm claiming on my insurance and will I loose my no claims bonus? If that makes sense.. The plan is to renew my insurance and if I can get my windscreen fixed on the insurance then hopefully it will be ok in the mot which is straight after""

Medican Insurance after 21 years old???????

Cheapest car insurance for young drivers?

i am 20 and my boyfriend is 19 any cheap car insurances known as i am currently paying 1800 for the year on an S reg saxo for us both thanks in advance

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!""

Teen girl car insurance premium?

I was wondering if anyone had an idea of about how much it would cost me. I'm buying (maybe) a 2004 ford focus with 53k miles on it, but it's going to be under my stepdads name (I only have half the cash right now and I need a car to get back and forth from classes in a couple weeks when I start at a local university so he's buying it and I'm paying him back). We also have a stage 3 2014 roush and a 2012 Nissan Titan on our plan. I know the (6 month?) premium on the roush is a little over 1300, but I'm not sure about the Titan, and im not sure if that will affect it. Im pretty much wondering about the insurance on the focus considering the fact that im a 17 year old teen. I have a part time job and I'm a full time student, though and that helps a bit. I also took drivers Ed. And I'm a mostly A with some B's honors student. So insurance price in terms of me?""

Insurance company law help!?

My old insurance company is trying to take me to court. My problem where i need to ask people who know some law is... Can an insurance company up the payment without consent? In my case:- 800 up to 2000+ From (UK provisional license) to (UK Full) Thank you in advanced!

Does employer needs to provide medical insurance?

Hi I am a foreign worker, working here in US, do employers need to provide medical insurance or not??""

""I was charged dui + my insurance company doesn't know, should I notify them for $1700 coverage for road work?""

I was in an accident involving a highway railing but no other automobiles except my own. This was six months ago. My insurance company was not notified and as of now has no information regarding my accident or dui. I totaled my car and have gladly stopped driving as I live in a city and can bike, walk and ride public transportation. My question regards an outstanding bill I have for $1,700 to the state highways for repair to the railing I hit. Should I pay out of pocket? or file an insurance claim and have it covered as part of my property damage liability? I have heard the insurance company would increase my insurance rate for 3 years, but I don't plan on having a car anyway. I could use the $1700, however, I've come away clean thus far and am reluctant to bring this to my insurance company's attention if I don't have to, though it may be just a matter of time before the insurance company learns of the accident anyway. I have moved to a different state and have a different drivers license and plan on discontinuing my insurance at the end of the month when the policy runs out.""

I was wondering how much insurance would cost for a 05 mustang gt im 14 and have my permit cause i live in SD?

i would like to know how much per month (Preferably State Farm) insurance rates would cost for a first time car buyer for a young teenager getting a sports car my mom is alright with the price of the car alone and monthly lease but wants to know the monthly insurance fee.

Can friend get insurance on car in my name?

I gave a friend of mine a car that was my Mother's after she passed away. The title has my name on it however the credit union will not release it because there was still some money owed. Anyway since he drives the car I was told that I had to get insurance on it being in my name and just put him down as a driver. Is this true? Can he get his own insurance on the car? I am worried if he would get in an accident it would raise my premiums.

What is a medical insurance deductible?

""Hi, Maintenance cost for 2001, BMW 318 sei series?""

hi, I am thinking of buying my frist car, and i was thinking of a second hand year 2001 BMW, about 80000 miles, just wanted to know whats the servicing and maintenance cost for a BMW is like? Is it expensive ? does it break down often or is it a solid car? Otherwise i might look for a japanese model or a hyundai coupe. I was thinking of peugeot 206 as well and VW golf. hows the insurance for all of these car? Which car is better for a fresh graduate like me?""

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?""

Is it possible for me to have insurance in Texas and currently live in Arizona?

I have a Texas license, but I currently live in Arizona and am looking to buy a car . Would I be able to purchase an insurance policy from Texas and have everything be sent to my ...show more""

Auto Insurance??

I was just wondering what people thought is a good price to pay monthly for auto insurance? I went to Progressive.com and saw they have different plans available...I went with one that looked like it had a bunch of things and was around 94ish dollars a month...couple of questions though What is the average you think I should pay? (No traffic violations in the last x amt of years, not since 98, fyi) Also, do you think its worth it for more fuller coverage if I'm going to actually own the car outright and not make payments? Is it worth it to select the rental insurance as one of the options? I don't know anything about what I should get, any help is appareciated!""

How much will insurance cost for me?

I'm 18, Male, i'm going to be driving a rx8, And i live in Washington state. I know you can't tell me exact, But around how much.""

A question about car insurance?

My mom is afraid of her car insurance going up once I get my license, so she wants me to get the car in my name and get my own insurance, but can I still get my license first before all of that? What would be the sequence of which to obtain first? Thanks!""

""Can you take drivers ed after you get your license, and still get an insurance discount after the class?""

I have my driving test coming up, but have not taken the class or an ODOT (Oregon Department of Transportation) approved driving course, and was wondering if i had to take it before i got my license to get better insurance rates.""

""Does your car ins really drop at 25, and how much?""

How much does it typically drop for a woman? If I pay 82 a month now, how much can I expect it will go down? I have nothing on my drivers record, no accidents or tickets, claims, ...show more""

Cheapest Car Insurance?

How much do you pay?

What does health and medical insurance cover?

I know this insurance is usually offered by your employee. What does it usually cover other than like hospital stays. How much pay would the insurance cover

Which car would be better for insurance costs?

I'm female, 25 years old, and looking to finance my first car. (And if it matters, I'm in Ontario, Canada.) I know I can call and get a quote - but wanted to open it up to the Y!A community first :) Also, I have a clean driving record, my full G license, and I took driver's ed. What are insurance rates like for each of these cars? (And if you have experience, which car would you recommend based on performance, gas, etc?) **All of the cars I'm looking at are either 06, 07, or 08 - Volkswagen Jetta - Ford Focus - Chevy Aveo - Hyundai Accent .... so basically, a smaller car. (I really like the 2007 VW Jetta)""

How much does insurance usually pay off if your car is deemed totaled?

Ok, so, my car incurred some damage due to the recent flood waters of hurricane Ike. A person from Safe Auto insurance company is coming out tomorrow to assess the damage. When we spoke to him over the phone, he said it sounded like our car would end up being deemed totaled. There is still amount owed on the car. If we were to pay it off tomorrow it would be $3100. The value on the car varies from tprivate party value in good condition being $3900 to retail value being $5600 in our area. We have a $500 deductible. Now, if the car is infact totaled, how does the insurance pay out?""

Car accident and cost $500 to repaint the bumper ?

I crashed a car in a paking lot. It was a dent on a left rear bumper. I didnt want to report to my insurance because i got in an car accident few months ago( i was 17 and juz turned 18). The owner took his car to mechanism and sent me a receive of her car repair. It costed $500 to repaint a left bumper ( Acura 2 doors). My dad told me that $500 can painting the whole car and told me to as the owner if I can pay only $300. I dont want my insurance goes up but also dont want they charge me that much. I wonder if they really cost $500 to repaint the bumper because the owner sent me a payment for her car and anyway that i can ask hhim to lower the cost. I took a picture of the dent after I crash it andn dont know if it can help for anything ??

Classic car insurance with Geico?

I have a 1967 Chevrolet Impala SS. It has 118k. It's all factory except for a cd player, two 6x9 speakers and window tint. I don't have any insurance on it at the moment and I want to get classic auto insurance. How exactly does that work and what would it cost me. Thanks.""

Texas Motorcycle Insurance - I need a policy for less than 40-50$ a month?

Does anyone know of places who dish out basic insurance? I'm not too worried about wrecks etc. I'm driving on the interior of a college campus running a block grid, so there isn't much opportunity for bad to happen. I just need the basic amount required by law. Who can give that to me the cheapest? I've heard of people getting covered for 9.50 a month.""

Should my insurance really be 1950 on a 1.1 peagout 106 at the age of 18?

hello, should my insurance really be 1950 on a 1.1 peagout 106 at the age of 18 for third pary, fire and and theft, this really seems steap for a 1.1 litre, its not modified or been changed in any way or form, please help me get it cheaper lol""

Medican Insurance after 21 years old???????

https://www.linkedin.com/pulse/what-definition-junk-insurance-did-all-companies-even-tiffany-laine"

0 notes

andrewdburton · 7 years

Text

Mr. Money Mustache, UBER Driver

Special Surprise: Did you know there is now an MMM Android App? It’s really good. Beautiful offline reading. Alerts you to new articles automatically, if you want. Thousands of users already. Free. Many more features (plus an Apple version) to come. It’s on the Google Play Store.

—-

About two years ago, I switched from taking my personal car to the airport, to hailing Ubers and Lyfts. The math of it was pretty simple: Uber was cheaper than paying for my driving and parking*. And that was before the considerable joy and time savings of not having to park in the airport lot and cram in among the huddled masses in the shuttle buses. Nowadays I sit in the back and get some work done like an Executive, leaving the driving to someone else.

Once I arrive at my destination city, these ride sharing services have replaced at least 90% of instances where a car rental would be useful. Between walking, renting a bike, public transit and calling a Lyft, a car rental is only useful for destinations deep in the boondocks such as a ski resort or a distant beach cabin. Which is another great improvement, since renting a car at an airport has never been a fun experience.

But during all these Luxury Executive rides, I’d often get to talking with the driver. We would talk about life, family, money and business. I always inquired about their experience with rideshare driving, and the response was inevitably something like this:

UBER DRIVER: “Oh, it’s pretty good. On a good day I’ll make a hundred bucks, sometimes even two hundred if I really work it and stay up late.”

MMM: “Is that your profit after subtracting the cost of driving?”

UBER DRIVER: “No, that doesn’t include gas. But I’ll only use, like, not even a full tank – maybe thirty bucks”

“Hmm”, I would think to myself.

“If this driver is burning through $30 of gas, (twelve gallons), they’re probably covering over 250 miles. Whether they realize it or not, it’s costing them $125 in direct car costs before even accounting to the damage to their health or the risk of injury. Thus, the net profit might be as low as $50 for a big day on the road, or five bucks an hour.”

There’s no way Uber could be such a successful company if the pay rate were really this low. Is there?

But on the other hand, some of my Uber drives to the airport have included a Dodge Ram pickup truck (V-8 engine, fancy wheels, bought brand new on credit), a BMW X5 and even a Hummer H3 (with over 250,000 miles on the odometer). Maybe people really are that uninformed about the cost of driving. As my friend Bill said when we talked about this:

“Imagine developing a company specifically to take advantage of people’s ignorance of how expensive it really is to drive their own car. What would this company look like? “

(the answer is of course that it would look like very much like Uber or any other ridesharing company)

To resolve this mystery (and as a way of getting some test miles on my new electric car), Mr. Money Mustache decided to go deep undercover in September 2016, and sign up as a driver for both Uber and Lyft services.

The Initiation

Using another driver’s referral code, I signed up on the Uber system and started to follow the instructions. I needed a background check, medical exam, car safety inspection and a few other daunting things. Luckily, Uber runs facilities called “Greenlight Centers” which put all this stuff in one place. The closest one to me was about 40 miles away in Denver, so I charged up my new Leaf and headed down.

When I arrived, I found an interesting scene that nicely personifies our new sharing economy. It was a mashup of an Apple Store and the DMV. Modern design and furniture, good music and glossy tablets everywhere, combined with an ocean of slightly desperate and bored looking people waiting to start their new driving careers. And Mr. Money Mustache, trying to blend in.

It was a funny feeling, spending those three precious hours of my Tuesday morning, waiting in queues and filling out forms. I was keen to learn about the driver experience and how things work in the New Economy. But I also felt a bit of the nervous “I’m applying for a new job” energy of the other applicants, and like a bit of a fraud for being here when I had absolutely no interest in truly having a job.

There was a trendy little cafe in the corner of the room, so I strolled over and picked up a Clif bar and a coffee. Due to my naive privilege as a former tech worker, I expected it all to be free – after all, don’t all offices offer free coffee and snacks, along with a keg of local beer and another tap for Kombucha? But a man popped out from around the corner and rung me up for $3.85. On top of that, it was a bland coffee in a small cup. This was an interesting reminder that working in a lower-training job is a different world than the one you and I probably both inhabit, here at the top of the economy.

When the process was finally done, my 25-year-old Uber concierge looked up from his iPad and issued me a genuinely warm congratulations and we shook hands.

“So that’s it?”, I asked

“Yeah! That’s it! You could go out and get in your car start making some money RIGHT NOW!”

“Hmmm…”

“Nah”, I thought to myself. “Eighty miles of driving plus three hours in an office building is more than enough wasted indoor time for me for the next little while.”

The spoiled retiree in me loves hard work, but only the right kind of hard work. The sedentary locked-indoors variety of work always falls to the bottom of the list. As you can tell by the low frequency of these blog posts.

My First Ride

Eventually, I was ready to give it a whirl. I cleaned up my car, stuck the Uber decal on the windshield, put on some nice clothes, mounted my phone on a sturdy dashboard clamp, and fired up the app. Within minutes, I had my first ring.

RIDE REQUESTED! John, 5 minutes away.

The ring was deafeningly loud, because (as I later learned after half an hour of looking unsuccessfully for a way to change it) the Uber app overrides your ring volume setting and sets it to !!MAXIMUM!! I was so startled that I could hardly slide the “accept” button, but I eventually got safely on the road.

I recognized the address as Longmont’s “Pumphouse” brew pub, right downtown. I headed down the hill and scoped the area, and eventually found John. As he hopped in the car I slid the “start trip” button and his destination was revealed as the local Marijuana shop, just 1.9 miles away away.

John and I exchanged pleasant conversation and he was impressed by the quick silence of the electric car. I dropped him off at Native Roots and then parked nearby, expecting another fare to pop up just as quickly.

Ride 1: 5 minutes waiting, 5 minutes driving, 1.2 miles unpaid, 1.9 miles paid. Net fare to me: $3.37

But the second fare wasn’t quite as quick. Fifteen minutes later, the Uber app rang again. It was John, now properly restocked and thrilled that I was still there in the weed shop parking lot. We headed back to the Pumphouse.

Ride 2: 15 minutes waiting, 5 minutes driving, 1.9 miles paid. Net fare to me: $3.37 … plus TIP $5.00!

Hey this wasn’t so bad: that five dollar tip really brought up the average. I was thirty minutes into my career and up about 12 bucks, minus five miles of car costs.

After another five minutes of idle time, the app rang again. This time it was a suburban address listed as 12 minutes (which turned out to be almost four miles) away. I decided to take the ride anyway, in the spirit of experimentation.

I got to the house, but nobody was there. After a minute, I used the Uber app to send the customer a text message. “Oh sorry!”, he said, “My phone GPS isn’t working well because we’re inside so it probably shows us in the wrong place! We’re just on the next street.”

I drove around a bit more and eventually found the young couple, and the app revealed a nice surprise: they were headed all the way to Boulder, which was over 12 miles from this part of Longmont. Surely now I would start earning the big bucks.

After 24 minutes of smooth, expert driving and pleasant conversation, I dropped them off at a restaurant. But I was surprised to see that the total wasn’t that impressive:

Ride 3: 10 minutes waiting, 4 miles unpaid, 12.4 miles paid. Net fare to me: $13.96. No Tip.

Driving in the Happening City

Now I was in Boulder, which has a much bigger scene than Longmont. Everybody is rich, every night is a big night, Colorado University is right downtown and it’s all action – there are no real suburbs. Due to high rider demand, the city operates in a perpetual “Surge Mode” which means Uber Fares are 20-30% more lucrative, and there is virtually no wait time for fares. And now, I was right downtown. So the app shrieked its notification tone immediately.

The customer was only a mile away, but due to the incredible slowness of trying to drive a 14-foot-long, 3300 pound Racing Wheelchair in a dense city it took me a lot of slow gliding in traffic and waiting at long traffic lights to get there. It was a couple of younger guys, heading back downtown.

We slogged through the dense traffic yet again at roughly one third of bicycling speed, and I earned my five dollar fare.

The app rang again, and I saw from the map it was yet another non-downtown person, probably looking for another ride downtown.

I decided not to play this game anymore, contributing to car traffic in a city that needs fewer cars. So I let this ride request go to another driver and set my destination to Longmont, hoping to find a customer heading that way so I could get paid for the ride home. There were none.

So I flew the Leaf back along the highway to home, and stopped at the grocery store to pick up some fresh food and a free battery charge for the car.

Total stats for the day:

4 Rides 1:51 hours 18.6 miles unpaid 17.2 miles paid $32 including tips ~$18 of car costs roughly $7 per hour net

Ongoing observations

After joining Uber as a driver, it was easy to add on a Lyft license: you can submit scans or photos of the same examination info to both companies. So over the next few months, I fired up both Uber and Lyft apps to do a bit more driving and collect some more observations. I had a lot of fun, but made very little money.

One time, I was summoned by a 13-year-old girl coming out of the middle school, effectively turning me into Mr. Schoolbus Dad. After finding her in the school lineup, she directed me to the elementary school, where we picked up her little brother. I dropped them both off safely at home in a rusty suburban area nearby.

Another ride was from a college student, deep in the Colorado U campus. It took me forever to navigate the throngs of after school foot and vehicle traffic and find this young lad in the crowd. During the ensuing 3MPH transit of Boulder, I couldn’t help but remark, “Wow! I apologize for how slow this trip is going. I’m usually on my bike when I cross Boulder, which is a lot faster.” Our final destination was a strip mall, and he directed me meticulously through the entire parking lot so he could be let off within 20 feet of the front door of the restaurant. End fare for about 35 minutes of work, even with surge pricing, was another six bucks. My resolve to avoid driving cars in Boulder was reinforced.

My favorite times to be a driver were Friday nights. It was fun to feel the energy of people going out on the town, and find out what was going on. I could see Uber driving to be a good escape for single people looking to meet new friends (or romances), because I almost always got along well with the customers, often exchanging business cards or email addresses with people when we found something in common. On longer rides with people over 30, the topic almost invariably led to life, business, and money, which led to Mustachianism, which led to me admitting my secret identity. Thus, some of my past Uber customers may even be reading this article today(?)

But in the end, it was hard to stay motivated to keep doing this experiment. There is just usually something better to do than driving around in a car, and I wasn’t willing to sacrifice too much of my life to gather more data. And with the financial gain of rideshare driving being negligble, I am surprised that there are so many people who do it.

How to Make the Most of a Low-Profit Situation

Still, as with everything in life, I did my best to optimize Uber driving for both fun and money. From my experience as well as reading online forums, the best way you can do it is:

Use the referral and bonus system heavily. Actual driving doesn’t pay well, but I have seen bonuses pop up on my app offering between $100-$500 to refer other drivers. There are also “weekly guarantee” offers that come up occasionally, offering more pay in exchange for meeting a certain threshold.

Use the lowest cost and most fuel-efficient car you can find. Uber requires you to have a fairly new (under 10 years) car, so get something on the older side of that spectrum, but with low miles. A 2009 Prius, for example, uses less than half the fuel of most cars of similar size.

Focus your driving around on “Surge Pricing”. By watching the app throughout the days and months, you will learn when your area enters periods of higher demand. Special events like Halloween, late weekend nights or major league sports events are popular times.

Try to find trips involving highways. Since you get paid mostly by the mile, you earn almost ten times more more money at 60 MPH than you make in on a long trip through central city where you might average only 6 MPH.

Experiment with the “set destination” feature to filter for rides going your way. Taking fares with you on your commute to work or to an airport.

Make the most of your downtime: there will still be lots of waiting between fares. If you bring a book, podcast, laptop or make business-related calls that help you learn a trade that pays more than driving, you can get yourself into a more lucrative trade.

Suggestions for Uber and Lyft

During the course of this experiment, I happened to receive emails from relatively senior people at both Uber and Lyft for unrelated reasons. So I took the opportunity to make some suggestions to make things friendlier for drivers:

Report the total driving time and miles for each ride and each shift, clearly specifying paid and unpaid miles and hours.

Provide an drivers an estimate of the car costs incurred, and estimated hourly earnings after these costs

Allow drivers to specify the types of rides they are willing to accept. For example, “only ring me for riders within 1 mile”, or “I would like to be paid for for both pickup mileage and rider mileage.”

Provide drivers with the details of where the person is going, or at least how long of a ride it is. Right now, Uber has all this incredibly useful information at the time of booking, but deliberately withholds it from the driver.

I was surprised that none of these suggestions got anywhere. This was a disappointment to the Economic Libertarian in me, because it seems obvious that an open market between buyer and seller is the key to more efficiency.

In fact, early in my driving career I learned how much the unpaid driving was hurting my profitability so I stopped accepting distant fares. The app quickly sent me this note:

Yeah, right. How about you just stop ringing me with fares that are ridiculously far away, instead?

When these companies deliberately tilt the field, they are being sneaky, which causes them to lose public trust, which causes the public to vote in a bunch of sclerotic regulation to protect the drivers and the public. If you, as a company, just avoid being a dick to people in the first place and treat them with complete openness and good old-fashioned honesty, they are more likely to let you run free.

Since I started this experiment a year ago, Uber has fallen into a world of trouble and bad publicity. Their internal culture of sexual harassment was blown wide open, along with the misdeeds of the wild and temperamental former CEO. From specific programs to evade government regulation to annoying treatment of drivers, Uber triggered a widespread backlash which became the #deleteuber campaign. Saying “Uber” is now a bit like uttering the words “ConAgra” or “Philip Morris” or “Exxon”.

Meanwhile, from the very beginning I noticed a friendlier tone in the way Lyft operates – see this 2016 interview with Lyft more laid-back founder John Zimmer.

In the End..

In general, I really want companies like Uber and Lyft (and Tesla, AirBnb, Google, Amazon and many of the other tech companies that have been stirring things up so much lately) to succeed, because the benefits to all of us greatly outweigh the inconvenience of the disruption.

For example, some people worry about what will happen to driving jobs as self-driving vehicles gradually take over. But I’m excited about the ways this can make our lives safer, quieter, and less expensive as we give up on owning personal cars, ride bikes much more, and use automated cars as a service whenever the bike is impractical. Technology provides a lumpy ride, but it also provides change which is an essential ingredient in every human life to avoid getting into a rut. So, share on.

Further Reading: How Big Oil Will Die – an interesting walk through the changes today’s technologies have already set in place – leading us very quickly to a place where nobody in 2010 would have even guessed.

* this sentence surely made you ask, “but what about the BUS, Mustache?!?” – good question. Of course I’d always choose biking, then public transit as the first two options, but the airport is 45 miles away (well over 2 hours by bike) and the bus requires a transfer in Denver, which makes it even slower than biking. Also, both Uber and Lyft have referral programs which give you credit for referring friends – I still have a few credits in my Uber account.

If you want to try Uber or Lyft, sign by randomly choosing one of these codes from friends, and you’ll get $5-10 off of your first ride (and give a small surprise to some of the members of the MMM-HQ coworking space!)

Uber #1 Uber #2 Uber #3 Uber #4 Uber #5

Lyft #1 Lyft #2 Lyft #3

from Finance http://www.mrmoneymustache.com/2017/11/22/mr-money-mustache-uber-driver/ via http://www.rssmix.com/

0 notes

wildflower8281 · 7 years

Text

Adventures in Not Owning A Car!

(I’ve recently chosen to forego car ownership and thought my adventures and challenges in attempting this lifestyle might be amusing or interesting to some. It also helps me to document my process and ultimately see if this is the right choice for me. If you want to skip the adventure parts, then just read the beginning and the end: money, challenges & pros!)

My first week of being 36 was not so hot, well at least from first glance: I lost a new hire and I got into a fender. Of course, I believe that the Universe always works her magic in my ultimate favor, so despite the seeming heaviness of those situations, looking back, I can see her wisdom.

The fender resulted in me selling my car for a few hundred bucks instead of trying to mend a really old car. At that time, I was also leaving the country in like a week and thought it prudent not to take out a loan and purchase a vehicle right before taking an international trip. So, the car situation was put on pause. Take note: pausing is an excellent practice when you’re in a situation and seeking answers! 😊

About two days before I left for Mexico, it came to me that I might be in the position to live my life without car ownership! When I did the math and thought about my lifestyle, it all seemed to make perfect sense. It was one of the most liberating feelings to realize that I, in fact, did not need to take out a huge loan (I love being debt-free and try to keep it that way) and make a purchase of a vehicle that I would then be in charge of keeping safe and healthy.

What made me an ideal prospective non-car-owner were these facts:

*Most of the year, I ride my bike to work. I can also walk if needed.

*I am single with no kiddos – no one else to ride around!

*My grocery stores are within walking or biking distance.

* I socialize mostly downtown, so I can also ride my bike, hitch a ride or take a short Lyft when I go out with friends.

* I don’t regularly take longer trips.

The only longer trips I make were:

* To my dad’s house in Scottsdale (about 20 minutes)

* To go hiking

*Occasionally: library (now that Burton Barr is closed ☹) Goodwill, Target.

So, I decided to give this lifestyle a go. It’s my 3-6 month experiment and so far I like it and I think it may be here to stay! Below are a few main areas of interest:

The Basic Math of It

With Max, I was paying $93/month, plus about $50 in gas, along with regular maintenance and/or repairs. However, if I were to take out a loan and get another car, my expenses would be:

*Higher insurance: because fender and newer car, at least $100+ if not more like $150. Max did not have collision insurance, but a newer car would need that, so it would def be higher.

*Car Payment: probably $2-300/month

* $50 give or take for gas

*Maintenance/Repairs

*Totaling at least $450/month for a car that I would use maybe only 2-3 days a week, if that.

* Yearly total: $5400 and that is without any major repairs!

Without a car, these are my monthly expenses involving travel:

*Lyft Rides & tips: $100-$150 (to Dad’s, stores, socializing, hikes)

*Delivery fees for groceries & other items: $20

*Paying for Friends drinks, coffee, gas: $30-40

* Monthly total: $210 (give or take)

* Yearly: $2520-$3000

These are my best estimates, as I’m still tracking how this lifestyle really looks, but overall while it’s not as cheap as Max was, the situation with Max is no longer an option for me, so in reality, comparing owning a newer car with living car-free is the accurate comparison. It looks and feels way cheaper to live this way. Even if in certain months, I might want to take a roadtrip (rent a car, or zipcar, etc.) I can still afford to drop another hundred or so on using a car for that day, if I choose to go it alone. If I have a partner in crime, obviously I’ll pay for gas or meals, etc.

I’ve realized it does take thinking about travel and cost in a new way. While a trip up to visit my Dad may cost me around $40 roundtrip, and at first that seems “expensive,” I’m training myself to remember that I’m also not paying $300+ a month for insurance and a car. It’s just a new way to think about cars and money.

Grocery

Produce Adventures

When I had Max (my old ford taurus,) I would regularly hit up Food City for my produce, tortillas and pan dulce usually 2 times a week, as well as Frye’s for other items (cereal, organic milk, coconut oil, etc.) For the past 3 weeks, I have successfully ridden my bike to Food City for my produce. Since it’s a little sketch, I have been bringing my bike inside the store with me and no one has said a word! The lock I currently have is just a cable and I don’t trust it enough to leave it locked outside of any store. So, I take my bike in, I even walk it through the check-out line and it has not been a big deal. Until this weekend. Enter bald white dude security guard! I walked into the store as usual, going to grab a basket and he glared at me. Who glares at me?!?! No one glares at me! I’m the same gringa who always comes here to get her ready to eat avocados, cilantro and pan dulce! WTF. Why are you disrupting my happy weekend food routine?! Anyway, he told me in no uncertain terms that I could not bring my bike into the store, that there was a sign posted, etc, etc. I explained to him that I’ve already done it 3 times and no one has said a word to me, that I do not have a lock because I never lock my bike anywhere (basically true story b/c other than work, I rarely used to actually ride it anywhere.) He said he wouldn’t be doing his job if he let me in. I said, well then other guards are not doing their jobs because I’ve done this already 3 times, Mister Bald White Dude. And I explained how I literally walk it thru check-out like a cart and no one has said anything to me, etc. In the end, he would not let me stay to shop and there was no way I was leaving my bike outside unattended just for some produce. (Side-cultural-observation-note: the other weeks I have gone, it was earlier in the day and there were Hispanic male guards…I wonder if they didn’t stop me because I was a white girl, because they were unconcerned that I would cause trouble, because they really don’t give a shit about me and my bike, b/c they were scared to ask me to leave…..just interesting to note and I wish that they were all hispanic guards b/c they get me! <3!)

So, I am now exploring other ways and options as to how I can get my cheap produce. Inevitably, I’m going to invest in a strong u-lock that’s for sure. Just good to have. But, I also asked the Coronado Message Board (thanks, neighbors!) and discovered Carniceria Los Reyes, which is closer by about 4 blocks, smaller and on a major intersection. It’s a smaller Mexican grocery & bakery. I’m going to bike there next time and see how it goes! I need a place with fresh, cheap produce and I need tortillas (local, real ones) and pan dulce. This is my life.

Instacart Trial Run

For my other items, I have tried out Instacart and it seems to be a great option for me. I basically order enough of these goods for about 2 weeks or so (cereals, milk, gluten free bagels, crème cheese, etc.) Instead of these 3 steps: Lyfting to Frye’s, doing the shopping myself, then Lyfting back, I just order what I want online and done! While they are shopping for me, I can be home doing whatever I want. It’s a lot simpler this way and allows me to have more free time instead of about 1 hour of travel & shopping. If they do not have what you ordered, the shopper will call you and ask if there is a substitute option you’d like. You can tip in the app and I can give them my plastic bags to return to the store.

Lyft would be about $10-12 round trip, whereas delivery fee for Instacart is about $5, plus the added bonus of my time. They do have a membership option for free delivery which amounts to about $12.50 a month, but I’m not certain that commitment is worth it for me just yet.

Shopping/Gifts/House Items

I don’t shop or need much honestly, so it’s not like I’m Lyfting to stores every weekend, nor did I shop much even when I had Max. Maybe once a month if that, I would go play at the various Goodwills or need a birthday gift for someone and hit up Target, etc. However, with this lifestyle challenge, I am really pondering getting Amazon prime. I already have a Target charge, so anything I purchase from there is delivered for free, which is great, but they don’t always have what I’m looking for. For example, bike locks, specific journals, specific cell phone cases, etc. I’ve purchased or shopped for all these items recently from home. I probably will end up doing a Prime membership at some point, but I’m seeing how it pans out right now.

As for clothes, shoes, things I need to touch and feel, I’ll need to take a Lyft or wait until I go visit my family in Scottsdale and ask to use their car to make some trips. Most likely, I’ll only be up in Scottsdale about once a month, so it’s not like I’ll be mooching and I try to be aware of paying my way, filling up the tank or other ways of repaying them for the favor of free car use!

Challenges So Far

*Locking My Bike – I just don’t trust people and have heard too many stories about a stolen bike here in Phoenix. Even if I invest in a really good lock, I still have hesitation about leaving my bike outside, unattended.

*Thinking Twice About Trips – sometimes I opt out of family gatherings or other possible trips simply because I don’t want to be extravagant with this lifestyle and spend $100/week in lyfting. I don’t like feeling like there is a limit on how much I can spend on transportation. Maybe this feeling will subside once I get a few months under my belt and see that I can totally afford to live this way, and then some. It’s a part of the new way of understanding travel + money. My brain is still learning it, so sometimes it feels like a struggle.

*Weather – It hasn’t happened yet, but there will be rains in winter & summer, and there will be unsafe heat in the summer, when I won’t be able to walk and bike everywhere. Thankfully that’s only like 10% of the year, but still something I’ll have to consider and deal with.

*See above: Bald, White Security Guard who cramped my style.

Overall Pros Thus Far

*Creative Thinking and Exploring: Not having my own car these past 3 weeks has ushered into my life new ways of thinking, new ideas and new challenges. I welcome all of them, honestly! While I enjoyed my life with Max, I also greatly enjoy the new energies that new pathways, routines, habits and choices bring into my life. I like breaking the mold of how my mind works and thinks about how things are supposed to be and feel. I never would have thought I’d be a person who made use of a grocery delivery service, but it really is so easy, affordable and a time saver! Living without a car has also made me explore what is right in my own neighborhood more! For example, taking my bike to The Velo, which is the bike shop like a block south of my work. What a freaking cool place! A bike shop with cute, friendly guys AND a café right next door. Can I just stay?! Or discovering McDowell Market/Café and Palabras Book store literally in my neighborhood! I’m totally enamored!

*The Art of Receiving: It has made me remember the grace with which it’s important to receive – receiving rides from friends, family, neighbors. Sometimes I pay for gas, other times for drinks or coffee for my friends or family. Sometimes I invite over for dinner or cook for them. I honor their generosity, feel grateful for it and desire to energetically balance it out in some appropriate fashion. Isn’t this how cultures used to live? I’ll give you some corn and in return you gift me a weaved basket. Here, hitch a ride on my wagon. Thanks, here’s some bread I baked. Those were the days! Well, in some small ways, I get to live that way now too. Here, ride with me! Thanks, here’s some salsa verde I just made!

*Less Things: I also LOVE the feeling of not owning a huge thing!!! Owning a car is a big responsibility that can get you into a lot of trouble and stress at times and when that does happen, it really sucks and can sometimes last a long time. By not owning a car, I basically avoid any and all of those possible situations. Currently, the most expensive item I own is this little machine I’m typing on. And that, for me, is a super liberating feeling. The way I look at owning things like cars, property, large technological things is that they take time and money. You often have to pay monthly for them or at least occasionally to upkeep and maintain them, maybe some kind of insurance or taxes, plus they cause you stress and time when they break, or just in general maintenance. I’ve seen both parents work at maintaining a home – yards, air conditioning, appliances, plumbing, etc. It’s just not for me. I’d much rather spend my time exploring a new city or taking a watercolor class, and happily pay rent or Lyft to take care of the practical things like housing and travel.

*Time Saving: It has also made me consolidate my shopping and think creatively. Instead of making a few grocery trips a week, I make sure that when I get it delivered or bike/walk myself to a grocery, that it’s all the things I need for a good while: produce enough for my week and dry goods enough for at least two. Ultimately planning this way is actually saving me time. Again!

*Living With What I Have: The above being said, if I forget an item or run out of something, instead of making a trip to the store for that 1 thing, I choose to make use of what I still have at home. If I run out of cereal, then I eat something else. Simpler that way.

*Vitamin D: Inevitably not just hopping into my car allows me ample time outside riding my bike or walking places, almost daily! In this beauteous desert, where it’s sunny, pleasant and dry about 9 months out of the year, I’m a lucky girl!! I’ll see about next summer when it’s over 110 and cross that bridge for a few months when I come to it, but for now, I’m enjoying this Arizona fall weather, cruising around on my bike! 😊

#ponderings #bikelife #minimalism #freedom

0 notes