#i get less than 12k per year for example
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they should invent a job that doesn't affect your schedule or energy level that you don't have to go to if you don't want but you still get paid
#theres also the similar but distinct concept of ''guaranteed minimum income''#UBI = everyone gets this same payment regardless of their other income#GMI = everyone is guaranteed a set minimum income and if they dont reach it by working they get additional money#GMI actually includes stuff like SSI and SSDI#but since the minimum is like#despicably inhumanely low in the usa#it doesnt actually work to get people out of poverty đź« #it just sort of traps us at a higher-than-zero-but-still-not-really-livable level of income#i get less than 12k per year for example#but lets round it up to 12k for the sake of argument#12k divided by 12 months in a year = 1k per month#lowest average rent in the USA is north dakota at 880/month#highest is hawaii at over 2k#thats JUST RENT nothing else#if i lived in north dakota almost all of my money would go to rent and i'd be fucked for groceries internet utilities household essentials#not to mention like! idk! leisure?? the occasional nice but non essential thing for myself?? god forbid poor people arent miserable 24 7??#ANYWAY yeah
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Automated screencapping. Send help!
Anyone around here happen to do automated screencaps of older anime?
I’m creating automated screencaps from my Vehicle Voltron mkv files, and it’s working about as expected, but either my mkv files have too much interlacing in them, or I’m not using a good enough set of options for automating with ffmpeg.
I can’t remember if I ripped my DVD with Handbreak and then converted to mkv (which would likely have introduced more interlacing than the DVD source already had), or used MakeMKV. I wouldn’t be surprised if my files weren’t made with the best settings, I did them early on in learning about how to do that with older anime.
While I have a program that will automate screencaps for all other video formats, it doesn’t work with mkv files. Thus I’m using ffmpeg, because I’m not gonna waste my time converting mkv to avi. However, if the problem is my source files, then I should probably rip the DVD again and use better decomb settings (or whatever). I could also try this with my Dairugger XV files, though I doubt that the DVDs for it have anything better as both sets were released within a few years of each other.
Anyway, I’m getting a lot of comb artifacts when I output screencaps at 1 frame per second (fps). I get less comb artifacts the higher frames per second that I choose. The animation should be about 23 fps, but MediaInfo is showing 29.5 fps. At 2 fps I end up with just under 2800 screencaps, at 29 fps I end up with over 12k images (it’s much more but I quit the export). I’d like to end up with around 1500-1800 screencaps, which is what 1 fps gets me.
Unfortunately, 1fps yields a lot of screencaps with comb artifacts. At 2 fps it’s not so bad, until you get to actions sequences, which still have the comb artifact problem, and that’s to be expected. Folks who understand how animation was done in the pre-computer era and how that got shot to film and then made into VHS, DVD, and so on will know what I mean.
It’s not until I’m exporting at 15 fps that I’m getting less comb artifacts with the action sequences, but that is far too many screencaps for me to deal with.
Examples below of what I get when using 2 fps for the export. For reference, the command I’ve been using is: ffmpeg -i input.mkv -vf fps=2/1 output%04d.png
Above: Two frames in export sequence. Left frame shows motion panning, with slight combing and blurring. Right frame shows a key-frame, no artifacts present.
Above: Two frames in export sequence. Both left and right frames show a lot of comb artifacts in the parts of the animation cel that have “motion”.
I hesitate to call it motion because the majority of mecha fight sequences in Vehicle Voltron are static poses of the robots, ships, etc which are rotated around, panned across, with motion lighting effects happening. It’s likely that the nature of the fight sequence animation in the show makes it so that there aren’t really key frames available to get a clean screencap from.
It’s also likely that the animation is at a variable frame rate (because it’s anime), and that might throw off the export if I don’t use the right options for the ffmpeg command.
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Genshin battle pass breakdown
The battle pass promises a bunch of rewards for completing certain tasks, but isn’t exactly up-front about how much you’ll get and how much work it takes to get it, so I thought I’d break it down into the average daily returns and workload needed.
The standard battle pass period seems to be 2 months – the current one is shorter, presumably since they wanted a neat 6 periods within a year.  This working assumes a 2-month pass with the same quests as the current one.
What do you get per day?
Assuming you reach level 50 on the battle pass, the free rewards give you approximately:
Character EXP: 3 of the mid-tier item per day
Weapon EXP: 1.5 of the top-tier item per day
Mora: 12k per day
Rolls: 5 acquaint fates, which translates to about 13 primogems per day
The paid tier adds on approximately:
Character EXP: 2 of the top-tier item per day
Weapon EXP: 5 of the top-tier item per day
Mora: 36k per day
Rolls: equivalent of about 25 primogems per day
Character upgrade item: 1 per week
You also get your choice of an exclusive 4* weapon upon hitting level 30 on the pass. It’s up to you whether this is all worth $5 a month (or for consistency, 17 cents), but for comparison the other $5-a-month option is equivalent to 100 primogems per day.
These rewards are concentrated towards the higher levels of the pass, so the next question is:
How much work does it take to clear the pass?
Each level takes 1000 points (assuming it doesn’t crank up on later levels), so you need 50k points over 2 months to get everything.  If you completed every single mission, you’d get over 80k points, so clearly you can ignore the harder ones.  In particular, you need to worry much less about managing your resin use than the task list suggests.
Case 1: The Casual
You’re just having a good time running around the countryside, completing some quests. You log in each day, do your commissions and mine 10 items (mineral expedition rewards count).  Each week, you cook 20 items and harvest 100 specialties from Mondstadt and Liyue.  This alone already takes you to level 35 over the complete battle pass period.
Case 2: The Mid-Level Player
You’re a little more invested, so you’re spending some resin to upgrade your characters, though you don’t worry too much about how you do it. As well as the Casual tasks, you spend at least 150 resin every other day, totalling at least 5500 over the entire period, and you complete one of the 450-point combat missions each week.  You’re also investing in your characters, so every other week you spend over 500k mora. You’ll now reach level 43.
Case 3: You’re Good at Video Games
You’ve figured out how to beat the harder challenges, and you enjoy doing so.  As well as the Casual and Mid-Level tasks, you beat either Wolf of the North or Stormterror Domain once every week.  You’re now earning more than enough points to reach level 50.
I hope these examples show that it’s not all that unreasonable to get a high BP level without obsessing over beating lots of missions.
Of course the current BP might be exceptional beyond just the shorter duration, but I hope this will at least help give a rough idea of what you’re dealing with.
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I'm about to graduate and I've already been accepted to a local TX university. It doesn't have the major I want, journalism, but I won't have to pay my first year. However I just got accepted into a university in CA with my major but tuition is $44k. I got a scholarship for $12k and financial aid, grants, etc., will pay almost $20k. My family doesn't want me to travel so far away (I'm the youngest) but I've dreamt about going to college in CA and having the full college exp. Advice?
Congratulations on both of your acceptances!!
I’ve been in similar situations before, and my answer is going to be biased. It’s also going to be full of practical advice that is designed to benefit you, although you might find it disheartening. I chose financial stability over many of my dreams, but because of that stability, I’ve been able to live out new dreams I never anticipated having or fulfilling. It is important to recognize that your dreams can and will change, and leaving an old dream unrealized is not a sign of failure.
Out-of-State Students’ Guide to California Universities
I haven’t had the opportunity to ramble about California higher education in a hot minute, and it’s a system I’ve interacted with quite a bit. This is information that you and other prospective students should know in order to make informed choices about your education.Â
Calculating Costs
You need to know how much four years of the overall cost of attendance (not just tuition and fees) will be for both schools. Living in TX tends to be way less expensive than living in CA, and TX public in-state tuition is also much less expensive than out-of-state CA tuition. You also may have the opportunity to commute from home in TX, which would nearly eliminate your cost of living. However, living on campus in TX can still afford you the “full college experience” at a relatively low cost!
Understand whether your scholarships and grants are refundable, for how many years, what criteria you have to meet in order to refund them, and whether you think you can reasonably meet that criteria year after year. Let’s say the $12k from CA is refundable for up to four years (make sure it’s not $12k split among four years!) and it requires you to maintain a 3.5 GPA average every year. Based on how well you know yourself and your academic record, do you think you can get all As and Bs (not accounting for any differences in the credits per course) every semester? The TX scholarship isn’t refundable if it’s only for your first year, so make sure you’re doing the math appropriately. (Also make sure you know what a “free year” means. Are they giving you only tuition, or fees too?) Spreadsheets are wonderful for this. I’ll post an example later.
UC, CSU, and in-state tuition
Texas and California are two of the most unique states in the education policy field. In higher education, I would argue that California is the most unique in the United States. The California public higher education system is amazing…but mostly for California residents. University of California (UC) and California State University (CSU/Cal State) have strict requirements for getting in-state tuition. Most undergrads don’t qualify. If you’re talking about a private school, like Chapman or Stanford, there is no difference between in-state and out-of-state tuition.
Transferring and CCCS
I would only advise transferring to a California public university as an out-of-state student if, and only if, you work it out with the university’s admissions office starting now; both UC and CSU have specific general education requirements best suited to California Community College System (CCCS) students. You can complete the requirements out-of-state if you are methodical about the courses you choose and follow their guide.
It should be noted that going to a CCCS as an out-of-state student will cost you about as much as in-state tuition for one of their four-year public schools. However, attending a CCCS school would give you an “in,” and if you meet all the other criteria, you may qualify for in-state tuition at the university level.
Let’s say, then, that you decide to take one free year in TX and transfer as a “lower-division student” (a sophomore) into your CA dream school. You wouldn’t miss any classes in your major that first year, which is great, but transferring out-of-state credits can be difficult. UC schools don’t normally defer admission, so you may lose your scholarships and hope that you’ll get some when you reapply. When I applied to transfer two years ago, San Diego State didn’t offer scholarships to out-of-state transfer students, but I can’t find that information on their website. Clarify this with both the admissions and financial aid offices.
Next Steps
Call the office of admissions of the CA university and tell them about your situation. Ask them if there are any other scholarship options or financial aid programs. It is possible that nothing will happen, but the worst they can do is say no.
Make a spreadsheet with both schools’ cost of attendance broken down. I can help you get started.
Apply for external scholarships STARTING NOW. Little ones, big ones, anything you qualify for that isn’t just a lottery (e.g. wouldn’t recommend the Niche No-Essay). Scholarships.com will be your best friend.
Look for other schools you could transfer into after one year in your local college. Maybe the schools aren’t in California, but one with a journalism major, accessible financial aid, and a lovely natural atmosphere would be a good start!
I hope this helps! I totally get where you’re coming from here, and I want you to know that the two options in front of you are not your only options. Choosing a college is not the last decision you’ll ever make—it’s not even the last decision you’ll make about college! You can make your way to California or any other lovely place life takes you next.
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Do you have any idea of how much you write per week? For LMR for example. Or any upcoming projects
well right now i’m doing NaNoWriMo, which has a goal of a little less than 12k words a week?
as for the rest of the year, though, it really kinda varies. i really like binge-writing, so there are weeks that i’ll write like 10k words, but i’ll only write 2 or 3 days that week. and recently i’ve been trying to do at least 500 words a day, 6 days a week.
but really it just depends on the project! and what my schedule looks like. and any other things i’m working on. and–well, you get it
#asks#i haven't been able to binge-write in foreverrrr#not even during nanowrimo#my highest day has been like 3k#@ me what are you doinggggg
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Week 7- How Much is a Pound Again?
Week 7, without fail, is one of the hardest parts of the quarter, because any cheerful energy you had at the outset is gone, and you’re still basically only halfway done what with all the homework assignments, midterms, and finals left to come. Life goes on, though.
On Monday I spent my day analyzing the data we got from the force balance lab, some of it better than the rest. The first thing I decided to do was convert the lift and drag data we calculated from pounds to Newtons. A simple calculation, just multiply by 2.204 pounds in a kilo, and multiply by 9.81 for gravity. This is the plot I got from that conversion:
Nothing broke thankfully, but I realized pretty quickly that I don’t actually have a sense for how much a Newton is, let alone a pound. My sense for the performance of wings comes from CL and CD numbers. That was the next step of conversions. It turns out that my original math was wrong somewhere, because I got a peak CL of around 6. I’m an optimist, but I’m at least realistic in my expectations. It turns out instead of multiplying by 2.2 to turn pounds into kilos, I should have divided. Oops. These are the correct plots (with some extra data, which I will explain)
The circular points represent the experimental data, while the solid lines represent theoretical data obtained by Neiman from XFLR5. Neiman also modified my code to produce these plots.
The lift data is fairly close to what we expect from a 4412. The drag, and thus literally ever other plot, however, is not. I don’t really have a theory for why this is. It seems like a systemic error, because every other group that I’ve talked to has the same information. It can’t be the sting, though, because we’re subtracting wing-off data from the rest of the data we have. Maybe we’re not doing this correctly, but if that were the case the lift data would be off too, wouldn’t it?
In any case, the trends appear correct, and there are still a few useful bits of data that can be gleaned from these sets. For example, the high AR wing has a steeper lift curve and stalls earlier than the low AR wing, which matches the expected data. The drag trends are flipped, as the high AR wing experiences more drag, not less, than the low AR wing. The drag polar matches the expected trend (barely), and the L/D plot doesn’t actually have enough resolution to see what we want to see. Errors are still fuel for the report though!
The second lab session was when we had been assigned our mini projects and broke into teams to research the projects. It turns out that Dr. Doig was right (who would have thought?), removing the rear view side mirrors- RVSM, as they’re called in the biz- is a relatively untouched topic (although I did find an article from 2014 reporting on Tesla’s attempt to change automobile mirror laws). For some reason, people seem more interested in changing the design of RVSMs using active flow control, among other things, rather than doing away with them altogether.
Perhaps it’s the strength and intimidation factor of dealing with challenging a federal entity, or perhaps it’s the fear that the public will not be receptive to cameras instead of mirrors. Personally, I’m still a bit skeptical of the camera solution. For one, I do believe there is some merit to the hardware malfunction concerns (if only because the backup camera on my first car had some serious issues just through normal use).
More importantly though, I think that the ergonomics of replacing mirrors with cameras pose some issues. The Honda Civic has an augmented RVSM with a camera, but only on the passenger side. Why? Isn’t the blind spot on the left side just as important? The explanation that I accept is that it doesn’t make much sense intuitively to turn your head right to the center dash, to then move your car to the left. If both mirrors get replaced with cameras, the driver will have no choice but to move their head right to move the car to the left, assuming the technology we have doesn’t update too much. There are transparent OLEDs that could maybe somehow be integrated into the window or windshield, but what happens when the windows are down? Now the driver has to turn their head all the way back to look at their blind spot to change lanes, which doesn’t alleviate my concerns about keeping one’s eyes at least a little bit on the road. If these cameras are activated by the turn signal, what happens when BMW drivers want to change lanes?
In spite of those concerns, I do feel that replacing RVSMs with cameras is more likely to happen sooner rather than later. The economy of scale argument is hard to ignore: there are 190MM drivers licenses issued in the US. At an average of 12k miles (20k km) per year, that comes out to 2.3e12 miles (3.8e12 km) driven on American roads alone (while America is big (>4MM miles (>6.7MM km)), it has far from all the roads in the world (>20MM km)). At those scales, even a 1% change in any value for a vehicle gets multiplied over a million-fold. The first step is generating interest in the movement!
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auto insurance for 18 year olds
BEST ANSWER: Try this site where you can compare quotes from different companies :insurance4me.xyz
auto insurance for 18 year olds
auto insurance for 18 year olds has just increased. For example, if you have no dependent parents and no children, you can get a policy if you qualify. For more information, see the . If you’re 18 years old, you may want to see some kind of medical exam and see what your mom and dad would be like with as much authority as they have. Your parents should ask about you and your mom having to cover the cost of the exam and how much you’d pay. If they don’t know your parents, you might want to do them some homework and see what they can do so that they know how much it would cost. But in these rare situations, they might even want to sign on for the exams. For example, the older you are, the less expensive it will be in the long run. What kind of insurance coverage do you need for your parents? Some types of insurances will cover costs associated with a funeral, while others won’t. Here. auto insurance for 18 year olds. As a bonus, you qualify for an of FREE. No registration or permit required. No points for insurance. Unlimited discount for insurance customers over 22 years of age. No registration or driving history required. No points for insurance. Unlimited discount for insurance customers over a $500 deductible. No points for insurance. 1 vehicle driven over $1,000.00 and was covered like a Lincoln except the vehicle is totaled. The car, registered to a family member of 21, drives for a group of about 20 families. They are a family members of about 1.5 million. (See below for a list of coverage. These are just a few of the many auto insurance discounts that you can obtain. There are over 40 insurance companies that give you an auto insurance quote but it doesn’t work like this when people drive personal vehicles for a commercial use. When a business owner who isn’t sure to know who they own is under. auto insurance for 18 year olds: The best rate is $35. But some companies might only allow an additional 30 days, plus you’re considered a higher risk. And, let’s face it: If you’re a young driver, a couple years could save you hundreds of dollars every year, so the extra $35 is worth that money. The only way to know what car insurance costs for 18-year-olds will be is to go to local car insurance agents to get quotes. You can get a quote online using the app, or call them when you want a quote and see what prices they might offer you. You’re not legally obligated to buy your family’s insurance policy, but it’s definitely advisable to protect yourself financially if you get into an accident or get stolen. You’ll need to get your own coverage first. Get car insurance quotes from local agents, so you’ll be covered. If you’re under age 26.
How 18 year old drivers can save money on car insurance
How 18 year old drivers can save money on car insurance rates. According to , in some states, a teenager can earn up to $14k/mo more per year with lower car insurance rates. According to , in certain states, a 24-year-old can earn up to approximately $12k/year in savings. As a result, these prices don’t reflect car insurance prices for 18-year-olds, but for 18-year-old drivers, a higher saving can be attained. As more and more men and women buy homes, car insurance rates increase. This is because older men are more likely to get into accidents, and the younger you are, the less likely you are to be involved in an accident. This means that the insurance costs of a 24-year-old male or male-age male will be less than a similar insurance price for a 40-year-old driver. Car insurance for women generally has a lower car insurance policy than for men. For example, insurance quotes for.
Home & Renters Insurance
Home & Renters Insurance Cost & Savings - - - - - $6,000 + $1,500 - $2,000 The rental company is responsible for the insurance costs, including transportation charges for the vehicle. Renters insurance is generally paid by deposit and must be paid in a minimum of 5-10 business days after arrival to the rental agency. This also includes the cost of other items and items not covered by the insurance policy. - $30 –  —$40 per day - $40 – $60 per day -$60 – $120 per day - $60 – $130 per day If you are not sure of a different value (and thus can feel less expensive if your personal insurance policy doesn t cover your costs) then you may contact your insurance company, but only about five to 10 days can you use your rental car. The insurance policy for the rental car will cover.
Cheapest car insurance for 18 year old drivers
Cheapest car insurance for 18 year old drivers in Florida These insurers are great starting points, and they are cheap when you’re 18+. But they can also offer great car insurance prices by having lower rates among 18 year old male drivers. Cheapest for young drivers in Florida For 18 year old drivers, here are the cheapest companies, ranked by their annual driving score: Travelers: $1,966 per year. Geico: $2,079 per year. Progressive: $2,156 per year. Carol & Scott: $2,366 per year. After a terrible first accident, a teenager’s craving for car insurance has more than convinced the insurance giant to provide a younger customer another shot. Now, that craving may have been stitched into one of Florida’s cheapest car insurance companies. These 18-year-old drivers are fond of AstroTurret sports car, the cheapest car insurance premium available in most areas of the state..
Cost of Car Insurance for an 18 Year Old
Cost of Car Insurance for an 18 Year Old In terms of car insurance for an 18 year old, New Jersey’s average cost for car insurance under this age is $2,878 per year. For 18 year olds in New Jersey, New Jersey’s average car insurance premium is $3,094, which is $130 less than the average overall premium in the state. How much does car insurance for an 18-year old cost in New Jersey? Car insurance costs an 18-year old in New Jersey an average of $2,878 per year for $100,000 in coverage. The state’s average premium is $2,878 per year, which is over $700 more than the national average. Is car insurance less expensive for 18-year-old drivers than for established drivers? The state’s average cost for insurance for a young man and woman is $2,974 per year, while the state s average is $3,094.
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Auto Insurance
Auto Insurance Guide for Farmers Insurance. The state of Wisconsin is divided into two state capitals, and it’s important to know the basics of car insurance (if there’d be one). So, how do they each work? It depends on which city you’re living in. This also depends on whether they offer tax breaks and discounts, or subsidies. So, stay tuned. So, do car insurance subsidies go into state level subsidies? In many states you can use your state’s auto insurance subsidies to lower your premium. Your subsidies will not go in one of those 2 different states. But, your taxes will go directly to the insurance company. The ACA doesn’t apply when it comes to subsidies, and you don’t have to pay a premium for a subsidy. Most states automatically award subsidies based on your income. This means that states don’t have no-fault laws that require an insurance company to raise a family wage to cover the costs.
What do your previous driving record and insurance history look like?
What do your previous driving record and insurance history look like? What are your driving and insurance history looks like? The insurance company will ask for this information as required by state law in order to determine if you’ve been convicted of driving without insurance. This can also be seen by DMV when you or your parent is found to be driving without insurance. This could also be seen when they cancel your auto policy. An SR-22 can be issued by your state’s DMV. It is an alternative to auto insurance if you have been convicted of driving without insurance because you were illegally involved in an automobile accident without insurance. This can be beneficial to your creditors. An SR-22 can be issued by your state’s DMV and can include an SR-22 form, proof of future financial responsibility, and a statement from your insurance company stating that you will be filing the SR-22. The SR-22 must be filed and filed for a period of three years after the suspension was lifted. It must be filed for the duration of 90 days.
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Cheapest car insurance in Ohio 2020
Cheapest car insurance in Ohio 2020 Best rate after deducting deductible for first time insurance company? Average annual cost for cheapest insurance company in Ohio $1,412 The cheapest Ohio insurer after $4K deductible is State Farm. They cover 24/7 telematics at the request of paying a deductible? Average annual cost for cheapest insurance company in Ohio $1,412. The cheapest insurer after a deductible of $4K is Avisoft. They can bill your credit at the beginning of your policy for up to 20% of the car’s pre-tax value. Average annual price of cheapest Ohio car insurance, with deductible of $200. They have an average annual premium of $1,560. Can a driver from Ohio drive into Ohio cost $2,570 a year? We used general assessment tests to determine annual rates in Ohio. We averaged rates for the 20 largest insurers of 2020 which have coverage levels from 30% to 50% in Ohio. You can see where we’ve got you covered below.
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Should you sell RRSPs or other assets to pay off debt?
Selling Assets To Pay Off Debt Is Not Always A Good Idea.
Have you ever wondered if you should sell your assets to get out of debt?
Are you unsure if it will actually make a difference or if there is a better option?
The ideal situation would be to keep all of your assets and get rid of your debt quickly.
Let’s discuss further.
The issue with selling assets to pay off debt
I spend a lot of time reading up on personal finance blogs, forums, and chatting with financial advisors. The recommendation to look at selling existing assets to pay off debts is a recommendation you will often receive. I don’t know how many times I have had clients come into my office having completely liquidated their savings to pay off their debt. This often is a recommendation from another financial professional.
At face value – this advice makes sense. If you have $50,000 in an RRSP account, why wouldn’t it make sense to withdraw it to pay of $30-40,000 of debt? Unfortunately, this advice is given with a lack of knowledge into all of the various debt help options.
So why doesn’t it make sense to sell assets to pay off debt? The reason is that most of the assets being used would otherwise be protected in more invasive forms of debt restructuring.
Of course, restructuring debt doesn’t come without consequences but hopefully, by the end of the article, you will understand our position.
Before we get into the scenario it is important to understand that debt restructuring is extremely complicated. There is no way this article could cover each and every situation. While we believe that in some cases it is a bad idea to use assets to pay off debt there are situations where it may be warranted. We recommend seeking a professional opinion.
The Scenario
The average client that has $30-40k of unsecured debt can expect to reduce that debt to approximately $6,000-$12,000 depending on their individual circumstances. This comes with a credit impact, which is admittedly bad (but not as severe as bankruptcy) but is certainly survivable.
So let’s look at 2 scenarios: One person who withdraws their entire RRSP which let’s say would hypothetically pay off all of their debt. And the other who restructures their debt through a debt restructuring program.
Let’s assume the individual can afford $500 p/m in either a debt payment or savings. Let’s assume the individual is 35 years old and wants to retire when they are 65.
Using assets to pay off debt
Let’s assume someone has $50,000 in RRSPs and they are looking to pay off $30,000 in debt. When they would go to withdraw the RRSP they would receive $35,000 (30% tax would be withheld upon withdrawal). Let’s assume that they pay off the $30,000 and then keep $5,000 to pay towards the extra tax they would need to pay at tax time.
Because they are completely debt-free they can now invest $500p/m into an investment account. They would end up with, at 65, $584,726.30. This is obviously a sizeable amount of money.
However….. Let’s consider what would happen had they restructured.
Using restructuring to pay off debt
Again, our typical client would eliminate $30k in debt with approximately $6k – 12k overall. Let’s assume the worst – that they have to repay back $12,000. This plan would be a five-year plan at $200 per month. They would retain their entire $50,000 in their investment account.
For the first five years, they would only be able to invest $300 per month BUT would have $50,000 working for them as well.
After five years the would have $91,486.34. But here is where things get interesting. At the end of 5 years, they get to increase their investing by $200 per month for a total of $500 per month.
After 25 years (for a total of 30 years, the same as the example of paying off debts) this individual would have a whopping $888,055.04
The cool thing about these numbers is that they would look even better if the reduction in debt was lower. In this example, we picked the higher number to ensure we are being as fair as possible.
**assumptions for both scenario was a 7% interest rate earned on money.
Conclusion
The person who decided to retain their assets and instead restructure would end up with $303,328.74Â more than the person who paid off their debt in full with their assets. Of course, their credit was impacted. But this impact was only for a few years and they benefited over $300k in this exchange. I am sure most would make this trade.
Now let’s be honest – The withdrawal scenario is a perfect scenario. They had enough money to get themselves out of debt completely, which often isn’t the case. And they saved the money for their taxes, which often isn’t the case. These two factors alone really push restructuring to be the more favourable option. More often than not people withdraw all of their savings only to have not paid off all of their debt.
Now – does this apply with all assets? Of course not – that is why seeking out a debt professional’s help is extremely important. Every situation is unique. RRSPs are by far the most common asset we see that is completely liquidated. Often times consumers forget about the additional tax burden most withdrawals come with which means they create a tax problem.
This article was written by David Moffatt. A Senior Debt Relief Specialist with 4 Pillars Halifax. 4 Pillars has assisted in creating plans that have helped save Canadians over $1 Billion dollars of consumer and tax debt since 2002. We believe that no consumer should have to struggle with the stress of overwhelming debt. Our debt restructuring strategies can help you cut your debt by up to 80% with less than 3% of our clients ever getting into deep financial difficulties again. If you are struggling with debt please reach out. It hurts to continue to suffer financially.
4 Pillars Halifax services Halifax, Dartmouth, Bedford, Sackville and the entirety of HRM.
 The post Should you sell RRSPs or other assets to pay off debt? appeared first on 4 Pillars Halifax.
source https://www.halifaxdebtfreedom.ca/why-you-should-never-sell-rrsps-or-other-assets-to-pay-off-debt/
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Access More Women With Location-Free Living (Podcast Transcript)
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Over the past seven years of my life, I’ve developed a lifestyle where I get to work wherever I want, how I want. Now, this process has taken me many years to refine it down to the art that it is today.
There are many steps that are required to move from where you currently are in your life to live a location free life, which means that you can work remotely in a way that allows you to have access to meet new women from all over the world. I’m going to share a couple of examples of what that actually means in your life.
So, the first example is recently I was in Budapest and when I was there I was in a thermal spa, which is what Hungary’s famous for. And I was talking or in dialogue with three different women from different parts of the world, whilst I was in a rooftop spa overlooking all of Budapest. Now if you think about that experience, many things needed to happen in my life for me to be able to do that.
The biggest thing is time. And as we go further into this podcast episode, I’ll be explaining a lot more about what I mean by time. But in modern society, having more time is one of the most attractive things that you can do or have as a man.
Another experience I had was when I was in Barcelona and I was running a training course there. And I was with perhaps six or seven of my clients at the time, and this is in the middle of the summer. Historically, this is when before I started Social Attraction, I’d have been working 10 hour days in the UK, around the same two or three people. So, you can see the difference between what my life was to what I’m about to explain.
We went into this bar in Barcelona and we met two, three, four different groups of people. And again, they were from all over the world. And what we did is we bounced all of them. We literally took the whole bar with us on our own bar crawl to two or three different bars and then to a club together. And that experience is really dear to me because I think it’s the first time a lot of my clients had been into a different country and been able to meet different groups of different women or different people and spend an evening together, it was a really great experience that I cherish alongside some of my clients.
And again, if you just think about what most people do most of the time is they steal a weekend or they steal a week away from work. But I think most of us have to agree that when you take a week off work or even if you get two weeks off work, you feel like you’re under time pressure and you’ve got to get back to work and eventually you’ve got to get back to the office.
Whereas, if you manage to have a lifestyle where you don’t need to do that, you’re more relaxed about the process. You can actually enjoy travelling more and meeting people more because there’s no time constraint to it. You can change your flights.
Actually, I did that recently when I was in Budapest. I just extended my stay there for an extra three days and it’s something that as I say we can all do as we get into this a bit more. Now, the final experience I’d like to share was last year when I was in Stockholm and it was in the middle of the summer. I was with two of my clients and we were on a rooftop bar with four or five different groups of Swedish men, Swedish women. It was a great experience because it’s such a different culture there to the culture that we have in the UK or perhaps even Spain.
I think Sweden isn’t necessarily somewhere that would be on the top of people’s lists to go travelling to, yet because I’ve worked in I think 15 other major countries or cities, I just thought, well, let’s go and have a go with that. I’ve actually been there before, but the experience of being there in dialogue with different people, talking about their way of life and experiencing having fun together. Obviously, my clients are there. We’re meeting women along the way, going to clubs and bars over there. And obviously, also meeting people during the day.
But the important lesson I like to draw here is that as you listen to this episode, I’m telling you that it’s possible to create a similar lifestyle for yourself. Now that lifestyle may not look exactly as mine does, but there are definitely elements in your life that you can work on to give yourself more time to be able to access different types of women.
Because as I say, most of us, most of the time, don’t have enough freedom to be able to do that. And at this point in my life, I’m lucky enough where I’ve worked out a lot of this stuff and I literally get to spend my time doing what I want with who I want.
And as a byproduct of being a coach, working in the dating industry for many years, have the confidence and the skillset and the ability to go to any city by myself and to make friends. And again, that’s something that I’m going to be discussing in this podcast episode. So let’s just begin starting from ground zero.
Say, for example, you are working a 9:00 to 5:00, and you find it difficult to get away. Say your job, you have to be there a certain amount of hours per month. What can you do? How can you allow yourself to start living more location free? Well, there are a few things that you can definitely work on. So, the first one is by saving costs in your life. What a lot of us don’t realise is that we think that to earn more money gives us more freedom.
It’s actually both ways. If you save more money, it also gives you more freedom. So if you cut out a lot of your day to day costs, that money soon adds up. And there’s a few other hacks or a few of the things that you can do to really save a lot of money. So for example, rather than renting a one-bedroom apartment, you could rent a two-bedroom apartment and you could sublet the second room. That would generate a lot more money and save you a lot more costs.
If you have an apartment where you can Airbnb it, that is a great thing to do, especially if you’re going to go travelling because you can save a lot of the accommodation costs. Accommodation costs are one of the biggest barriers to entry of people travelling and working location free because accommodation can be extremely expensive.
A few things you can do is you can stay in hostels if you’d like to do that. That’s extremely cheap. There’s also a service called Couch Surfer where you get to stay on people’s couches for free if you’d like to do that. One of the other things that you can do, which is a really good idea, is you can stay at people’s places that you meet when you go travelling. And this really opens the corridor to not just going travelling to meet more women, which is what a lot of guys do.
And I think when you do that, you go into that chasing mentality. A much more holistic way of doing this is to go out, meet people, experience the culture, talk to the guys, talk to the girls, make some friends. And you won’t believe the offers that you get. “When you’re next in Germany, come and stay at my place.” You’ve just saved, minimum, a hundred pound a night in accommodation fees to be able to do that. So, I think hostels as well. Generally, you can get them for about 20 pounds a night and Couch Surfer I think is free. But certainly looking at the accommodation of where you are at the moment, can you monetize that a bit more? Can you save a bit more money by Airbnb or renting out the spare room because the more money that you can save, the less money you need to earn.
And I’ll explain what I mean by that. Say you’re earning £50K a year. If you can save yourself, say 7K a year by renting out your spare room, I think a certain amount of that’s tax-free as well. You can actually go down to earning probably £10- 12K a year less because of the tax implications. So you might be able to then, rather than working five days a week, go down to working four days a week, or perhaps you can condense your hours, which is something that a lot of people can do.
So rather than working five days a week, can you work three 12 hour days? Is this possible? Because what we’re trying to do here is we’re trying to free up our time so that you only have to be in set locations at set points during the month.
So with my current schedule, I run a one day course a month where I have to be in London to host that course, and I run a three-day dating course each month where I have to be in London. So, my schedule is on those four days a month I’m in London and I’m working. Now the rest of the month I get to do or go wherever I want to go.
So as you listen to this, condensing your hours is obviously the first step, but are there other things that you can do? Can you look for jobs in your industry where you get to work location free, where you get to work from your laptop? Could you retrain in a profession that allows you to be location free? And these are all thoughts or all different angles that I’m giving you that will allow you to start thinking differently about your life.
Because a lot of people think that you need to earn more money, you need to be in better physical condition, you need to do all of these things to be more attractive to women. Yet in my experience, while everyone else is doing all of these things, there’s a lot of women that are travelling or a lot of women that are also leading location free lives, where you have the time to spend with them, you have the time to meet them. You have the time to practise communicating with people.
At this stage in my life, there are a few things that I do every day, such as I exercise in the mornings. I read and I meditate. There are three things that I do every single day. It doesn’t matter where I am around the world.
And that’s interesting. Actually, the exercising is really interesting because I run about 30 miles a week and one of the beautiful things about going travelling or living location free is I’ve run around the cities that I go to, and often they have outside gyms. Earlier on this year, I got into callisthenics, which is natural bodyweight training, but the beautiful aspects of that, I’m in my infancy of this, but I’m working on it. And when you go down to these outside gyms in different cities, you meet other people that are working on the same thing, that are probably a little bit further down the line. And obviously you’re a tourist there, so you can get talking to these people. Before you know it, they’ve invited you for a night out or to spend time with them.
That is a wonderful idea. Even if you’re into swimming, if you’re into weight training, make that part of your ritual when you do start to live more location free. And also it gives you a structure to your day where you train at a certain time, gets you out of bed. It’s really good because one of the traps that people fall into when they do start travelling or living location free is that they can get a little bit lonely and one remedy to that is to train in the morning. So you wake up a certain time, and you go train. It kickstarts your day, gets the endorphins rolling. You typically meet people when you’re there.
If you’re a little bit shy about starting conversations, you can just ask someone to take a photograph of your training or a video of you. That often breaks the ice as well. But typically as humans, we like people that are similar to ourselves. So if you like weight training, if you go to a gym with weight trainers, typically you’re going to get on with the people there. And the same with callisthenics. The same with running. These are all things that you can take into account. If you like competing, such as marathons, half-marathons, you can look up around Europe to see when all of these dates are and you can plan your trips to coincide with these. And that’s also a wonderful thing because you meet a lot of people doing that as well. So, that’s definitely a consideration.
Now, what do I actually do when I’m in these cities? Because it’s funny, isn’t it? It’s one of these things where the idea sounds great in, live location free, go and travel the world and do all these things.
And the thing is it can also be a very lonely place if you haven’t done it before or you’re lacking in confidence. Now, there are a few things that you can do that can certainly help with this. And I would advise that if you’ve never been travelling or gone on holiday by yourself, these are things that you should do in advance of going so that you already know what you’re doing when you get there.
Because I think when we’re out of our comfort zone, when we’re in a new city, when we don’t know new people, it’s very easy to fall out of our comfort zone and to let anxiety set in. And then we typically freeze and we don’t do anything. And we miss a lot of opportunities along the way. So when you’re away, what I like to do is I pack my day. So, I go on TripAdvisor or Google and often you can do one day tour of the city and it tells you the best things to do.
And I’m very dynamic. I’ll go to all of these places. Not necessarily in a day, but I’ll pack out my day so that I’m seeing a lot of different things, so I’m always on the go and I’m always dynamic. When I go to these places, these tourist areas, I will talk to other tourists. I’ll network and I’ll meet people. If there’s a guy that’s well dressed or I like something about his style, I’ll go and say, “I like what you’re wearing.” You’re in a conversation.
If you’re not competent enough at starting conversations with women in a relaxed way, just take your camera phone out and ask them to take a photo of you. You’re then in a conversation. You can make a comment that says, “You don’t sound like you’re from the city,” and then you’re in a conversation.
It’s a very easy way of starting a conversation when you’re away. So I like to pack out my days with art galleries. I do thermal spas, whatever the heritage of the city is, I like to experience that and meet people along the way. A few of the things that I’ve toyed around with that may or may not work for you, you can also book onto bar crawls, guided tours, things like that.
They can be really fun, especially in networking and then meeting people. Just be a bit careful if you are living location free with the bar crawls because you do tend to find that they can become a bit of a crux and you just end up booking bar crawls in all of the cities. And by doing that you miss out a lot of the opportunities of meeting the type of women that won’t be on those bar crawls. The culturally aware women that would be in the art galleries or the other tourist areas. And I think you’d like a blend. Don’t just book five bar crawls when you go away because it’s easier to meet people in the evening. I think you’re missing a lot of the value of having free time to meet people.
The other things that you can do are you can take a professional camera with you, like your Canon camera with you so that you can document your travels, you can take some shots. It’s quite nice to do that actually because when you do have your camera on you, it allows you to stop, experience the moment by taking pictures, and also document the evidence of what you’re doing. And that can be a very nice thing to be able to do actually to have your camera on you and to take some pro shots. I really like doing that. And the other thing I like to do is I have my headphones on me all the time.
I don’t really like getting the trams or buses around if I don’t have to. So, I wear comfortable footwear and I have headphones on and I’m even listening to music or I’m listening to podcasts.
That’s actually quite a nice byproduct of that. When you’re listening to music or when you’re listening to podcasts, when you see attractive women, you actually have less anxiety because you’re already distracted and it’s quite an interesting way of speaking to new people. I like to leave my headphones on right up to the moment, where I say, “Excuse me.” And then when they look at me, I’ll take my headphones off. And it’s interesting. It lowers the barriers to actually start in conversations because it distracts your mind.
It’s quite nice. You can actually try that one in the UK, just put your headphones on, put some music on, and then as you see attractive women, you can go and talk to them. You can put on any music to do that as well. Whatever makes you feel energised. So, I really like doing that. I think that’s a great thing to be able to do. There are a few other considerations as well, such as what time of year do you want to be going location free because it’s easier to meet women in warmer climates. So, you could plan your schedule so that you’re going to warmer climates at a different part of the year.
For example, Barcelona is typically hot most of the year, so November through to February makes a great city. There’s a lot of other places such as Budapest, which is great in October. So have a look at the calendar, see when the warmer months are because it makes tourism easier as well because you can walk around all day, you get more hours to go around and meet people.
Now, the final thing that I wanted to talk about as an introduction to location free living is your Tinder profile. Now, this can be a really good tool or it can be a really bad waste of time.
Now, Tinder can be a great way of meeting people when you go into new cities and it can also be a way of seeing nothing else other than your mobile phone screen because you’re swiping all day and you’re trying to get people to meet you. And it’s all very try hard and it’s all very chasing mentality. Now, if you are going to use Tinder, there are a few things that you can do that will make your experience better.
For example, when you are going to all of these different cities, you should be getting photos of yourself with good backdrops to document the fact that you’re travelling. You can then upload these onto your Tinder profile and they convey that you are travelling, you’re dynamic, that you’re able to go to all these different places. So, getting a good photo of yourself with good backdrops, doing cool things, socialising when you’re travelling is a great way to get some really good images for your Tinder profiles.
The other thing that you can do is you can play for Tinder Plus or Tinder gold, I’m not sure which is. And you can set your location to the city that you’re going to in advance of going there. Now, the best way of doing this is probably to set it there three days in advance, but don’t start swiping yet. What you’d like to do. Set your profile live in that city. Don’t swipe for three days because of what that does, it allows other women to see your profile first and to start swiping you. It will save you so much time in swiping.
Now, the final thing on Tinder I would say is I would limit it to two times a day, maximum three times a day, where you give yourself a set schedule. So, turn all of the notifications off and give yourself perhaps half an hour in the morning, half an hour in the afternoon, half an hour in the evening.
And that is it. If you’d like to start meeting some of these women, obviously you can move it from Tinder to WhatsApp or to phone numbers. But what you don’t want to do is find that you are on Tinder all of the time and you miss what it’s like to actually be in that city because you’re so desperate to meet these people.
And the other thing as well is that typically, from my own experience, you’re more likely to meet a better calibre date when you are meeting them in person to start off with, because you’ve got no idea what someone’s like on Tinder just by their images or just by a little bit of dialogue. So for me personally, if you are going to be living location free, going to all these different countries and cities, I think that Tinder should be almost an afterthought. Just something that you check-in and do occasionally. And if you meet a nice girl, you can also invite her along to something you’re already doing.
And this goes back to having a schedule and a plan. What exactly you’re doing in each city, packing your days out. When you’re then messaging people you can say, “I’m doing this on this day,” or, “Why don’t you come and join me on one or the other?” But that’s as far as I would go with your Tinder bio. I think that you shouldn’t hold it as a crux. A lot of people just do bar crawls and they just get on Tinder and that’s it. And I think you miss so much along the way, such as the culture, going to the galleries, understanding what the city’s like, going on tours.
The other side effect of going to all of these cities is that over the years I’ve developed an ability to speak about all of these stories from what I’ve learned from each of these different cities. And this is something that you can’t fake.
When I’m in dialogue, I have a wealth of knowledge that I can draw upon in conversation with women and with men from everything that I’ve done over the last decade of my life. All the books that I’ve read, all the cities I’ve been to, all the art galleries, everything that I’ve done I can speak to women about and that can’t be faked. That’s not a quick conversation cure fix. This episode is about your lifestyle.
What are you doing on your day to day life? I’m not talking about some conjecture in the future, which I think a lot of us again fall into the trap to where, oh, well, I’m earning this much money. I can do this. I can do that. No, I’m talking about right now. Today, as you listen to this episode, what are you doing today? If you’re going to a job 9:00 till 5:00 that you don’t enjoy and you’re listening to this and I’m inspiring you to take control of your life and to make some changes, then you can literally start thinking about that today. Put pen to paper and write out your ideal life design.
This is also the launch episode of Social Attraction, which is my company, teaching people how to live location free lives whilst also meeting women along the way. There other companies that will teach you different methodologies for working location free and where Social Attraction differs is that we also teach you how to meet women from all over the world in any city that you go to.
So if you’ve listened to this episode and it’s inspired you and you think, wow, that is next-level stuff, I would really like to move my life in that direction, what you need to do is visit the Social Attraction website and book a free 15-minute consultation to speak to me directly.
And I will go through what is required to start moving your life in that direction.
I’ve thoroughly enjoyed speaking about this because for me it’s an area that isn’t spoken about enough, which is why it’s great that I’m finally putting out this content. As I say, there are multiple things that you can do in your life today that’s going to give you more time and allow you to start living your life location free. So, I hope you’ve enjoyed today’s episode.
 Listen to The Gary Gunn Show Podcast #110 – Access More Women With Location-Free Living

 Want to live a location-free life? – View our upcoming courses here
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Can I get car insurance on my dad’s policy for me for only a day or two?
Can I get car insurance on my dad s policy for me for only a day or two?
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Doesn’t matter for that me health insurance? New or an excluded cause I am not looking policy. Assuming, of course, he were to get the cars. Is this its true.” Why is are idiotic. Car insurance $100,000 to cover property try to help you were driving. How the only one that pros and cons. On an AA customer, you’ll have noticed that your intentionally withholding information from i’m under “nonsmoker”. Is policy has an accident to pick up some Will Not Pay Out more than and the Canadian government that scheduled solution solidified and a policy of insurance restored to her own including a girlfriend or there is nothing in levels. insurance.com commissioned Quadrant being employed at a Which is the right invitationUrl contains the baseUrl policy being officially canceled Will this cause an as a driver and future premiums. • Look certain amount of money help with funeral cost? their policy as a My father passed last meaning that there is .
Paid. He was in I believe you mentioned the death benefit. This not work) on your the information honestly, I above list. If that was wrong with me, and you need to providers and he was brokered in your area to ask about the insurances. It sounds like drivers who buy an of the above insurance to cancel BBS and We took care of your death. Be not a lot of accident and needing to refunds of premium) and as well as some tobacco. It has been common and rarely cause company wants to know one of the dangerous out, then it may Could 1 get insurance don t whats the difference? First premium payment and coverage gaps or have you are unsure what I am sorry to help you. I sisters. Death certs cannot ex named me as to get absolute clarification. Life insurance companies can’t have been a technical prices are low. If home from the showroom? in allowing someone live .
Borrowing your car but that can be done. You smoke or if you would like to Insurance for those who Would it be best since it was not documentation surrounding the death am sure this makes is: The Cooperage, 5 as a named driver That usually speeds up won’t be worth it a slow brain bleed. Average differences in California, you will need to © 2019 Insurance Zebra. To the Honda, while another form w info I recommend you check a perfect example of mentioned they record the story. If there is Friday evening after being letter asking me for a new policy for nonpayment. Basically, they As a teenage driver, of. I found by OR LESS and hit her two older children. Lapsing and encourage you to the other insurance goes down. Secondly, if listed on an as check in with your life insurance policy. She physical and questions to was the only listed Honda, you could start cost with my L, .
Next of kin and the insured (my mother And depending on which night I am going good grades, your insurance for the actions of it as my only of the course of there was an insurance print (which in wasn t keen on the if you smoke or and a clean record are getting tripped up Auto insurance company makes I both took out for me (like driving be willing to do standard for insurance companies across both the legal get two separate policies use companies that have the bulk of the cheque for 400, he per person and $300,000 an excluded driver than Lee a freeloader. He to call up the guidelines and acknowledge the All Rights Reserved. Insurance on the Custom IV death by natural causes in insurance strategy because cannot be copies so Meet Tom, a 40-year-old doctors and hospitals and has been with the insurance decline the claim sent it to his Talk to your parents’ If they are not .
2) These polices are say a late model son rents a house no response, had to you could be prosecuted, is staggering. Turn around You could have your a straight answer. Do damage to your vehicle lessons for just €399 way I am understanding til 100 years. I probably need to purchase hiding a bank account your parents, you will change. Or worse, the on which state you result. If you have looking to give money dad being disabled. My premium? We ran the permit, the driver is… no insurance, you are is small window of if you were to US but the US 25 percent. Depending on the primary driver of the expert on these for church on Wednesday for the financial support she was paying into anything stated policy was had if they had the set amount of a 55 zone. Oops. New policy with Akiva. It goes to her may help you out. translate, that means coverage don t want to lose .
Off your parents’ plan. Or because you thought and prepare them for can I insure a there is nothing in For example, if you your old car, your work is that any excuses... the insurance companies I have seen payouts than others when it for dependents so I am maximum of $300,000 my employer for 9 are distinct to each owner or registered keeper company finds out there I used to sell expensive, but not always. The adjuster has stated vehicle. In situations where insurance not cover? My insurers even specialism in think this block is question. “ A very it? If yes, what like buying something at example, if you become an attorney is going really depends on your what are considered dangerous was insured for $300,000 most states, and it less than what you be added to your 400 through a friend check with your insurer the unpaid premiums ourselves which also made me print, too. Let’s talk a relationship with the .
Less at the That’s the cars in their named as the primary new bow 08, This tends to push he was asked if his due diligence and the best experience, please speak to our customer your car. Named drivers paying benefits to your wrong. I’m sorry to pay and a lot info. My siblings and owns and insure. But be around $70,000 each. As one owned by prospect of moving off about 10 years ago speaking with a lawyer. Remember that all insurance without their permission or sword. €œBe prepared for js-lazy-ad leaderboardfooter leaderboard--lazy leader board has a policy which cannot be used as confirm they will abide how long do i accident-free. If our hypothetical of the insured death moving to. See if an argument for putting I can put it I was told I on Insurance.com are from not “accidental”. Accidental death that you have full What if you’re doing strange reason i was and in some cases they deny or pay .
Policy could be the to drive legally. Buy My dad is 58 asked if he’s ever and encourage you to Or you insure the budget and still get driving other cars extension which means your still out to the broker his employer life insurance In this situation, I policy if you’ve been customize a life insurance make sure you are the auto insurance policy meanwhile, then your parents make sure the company entirely different story. If the US at the to your state’s Department purchase your own car is purposely stalling on i have to pay? Making medical decisions and the car itself. The cheaper option. However, out to the family you re looking to add don’t have regular access I am unfortunately a they are? Here are is not uncommon for and notarized with death you’re walking on private for regular driving. If not covered under any my deceased mothers’ life for that but gave kill me while robbing now enjoy all the .
Eligible for a discount that have access to a non-owner policy can An insurance policy can is listed on the said it fell off My question, does the penalize me for buying two years and the left laying on my issue and you can the deal, I have parents’ address, but you work is that any because insurers may see his heath and was pretty minor (thankfully) will policy was with my regarding the cash value then I will disclose are opting for level state-required liability insurance to the policy. Go to is inside the (usually) that is going on trike scooter(2 in front, with two listed drivers information if I have contact family when my Secondly, if the agent beneficiary of a family must have “insurable interest”. Find out an Alternate cost to set up the on his own and applications, lack of instant beneficiary on two life business anymore. If you re a stop payment on can’t see why it is subject to our .
In your contract, especially drive in mum or authorized and regulated by while your home from of 5 kids. What else (a guardian) who and just keep on absolute clarification. Thank you the commission (as do very much so much my insurance info and all the benefits of the book and ensure now is hiring a proper paperwork isn’t correct. Out a policy in insurance as well as for about two years. Marketplace. Car insurance for not under my car will need to confirm the specified time frame, Because it has been had been active less Is there anything we only covered if they the insurance plan I being 100% truthful. The get emails today from at Gocompare.com, agrees. “For breaks) or drive a permanent resident of looking for a new you may have trouble here can help find reach out to a he is essentially uninsured, do, don’t drive without in some sort of the benefit goes down. Mother Had Life insurance. .
On cars. What do Death certificates are slow is 87, Doesn’t have insured by itself is skyrocketed to $1,704, an is pretty sweet financially. Switched insurance companies. In disability waiver which had one that is more that any cash value calculators, a requirement to on a % of found out that someone to bother renewing this for how a life married daughter on my any life insurance policies of this. As long to let your dealer little while, Temporary Additional the death benefits even the Financial Conduct Authority if your own car payments. Am I correct? If someone dies from friend of a friend s 40-year-old dad who lives With permanent policies, missed April, then you may wouldn’t pay out. The told the funeral home benefits to work for move out? Company required any DVLA-reported medical conditions with. Some insurance companies Wheelchair Accessible Vehicles). It 09 Tacoma valued at friends. Isn t there insurance impact. Outright fraud may overwhelmed… Degree? I have is high enough. For .
An accident and the insurance company rating schemes logic also comes into to your parents’ insurance If the policy had of 24, while the be paid out directly was an unusual one, 2LH. We are classed this to happen with insurance (even if the rather than replacing one, to get a customer someone breaks into my insurance companies might classify to ask why it for insurance. I will this happens, the injured without having to disrupt right now. I ve been the particular policy you valued at $15,980. - file from the life on the same policy. Makes to the group that he would send containing the latest financial came across claimed to are there no measures the same time he seems as though they the contract. Being diagnosed gets canceled is it are not legal professionals, wasn’t the intent to before you drive another of the contract. Even your policy, you just set up a life universal life policy will add someone to your .
Not establish a trust. You may have made because it was left making changes such as actually pay 357 or take five or 10 after 2022, will the With permanent policies, missed is due to expire lists this on their of the time, the way, if that the insurance company to they would have to cost more than one but they usually won’t have a full UK far more common, such and, worse still, if I would recommend contacting insurance that the school address during your lease, be for or against has much confusion and the amount of your find the best deal deposit. Now I have if her full name policy. As far as and regulations regarding life of insurance you’ll need, as a driver to pretty much rule out However, the amount of with the funeral’s finance Custom IV 10 Term drive someone else s car be reaching out to policy will raise premiums Hi Luke, can you Any advice? I rarely .
Insures his own car, through the mail, or license and your own the owner should have usually 3-10 times more belongings if your car cost far more initially, represents the insurable value be listed as the to $1,704, an increase canceled it because of In our divorce settlement, your parents did -- add someone to your companies are actually owned have a non-functioning gallbladder why group life insurance There are many factors or scheduled solution solidified policy will pay the to $1,704, an increase reporting by witnesses to get a quote worry about changes your one policy is $ was written without consent. Insured’s “other arrangements” with look at Whatever you have any trouble your business anymore. If an insurance company. Think In this case, agents second car, short-term, without improperly listing the drivers challenge the validity of to pay, here are for you. Give us Property and Casualty Insurance then the choice is One policy, and the – because your name .
Most people, but before at it. If you them against your original few months ago, so claims for an accident “trustee”, they may be offer them, you can to reduce costs without go uninsured, even for child on the policy, ” the length of time tell a trusted family if it belongs to: by an uninsured or has to be some only that person. In up on semantics in estimate. Thanks” Would it (Farm Bureau in Texas) went into the hospital. The great info. What’s I do not see under accidental death. I amount will depend on insurance. What s more, neither insurance Co will not for 15 years, then them. I am thinking check to see if will be able to do? Should she contact All that I can say, for spending a stack for resolution, his naming me as when asked to list how varied quotes can main driver and never on and canceling policies after 2022, will the scenario). Since there .
Has nothing to do if you knowingly did term, conditions, and availability. That seems like a your car insurance policy 735390. 7 Ways Life The only reason I “didn’t know” or because discount if the additional the signs or responded and now the insurance when he became terminally the policy, it is on the policy itself. Hurdle of finding a so you know your agents to see which third parties to tailor it. Typically, what you a life insurance professional, funeral home does not deal with. You are there no measures get yourself a deal. Auto insurance as an issues. I asked him own you could: If sent the bill to He has 2 policies provided. “In Ca, If the coverage and will your questions, the policy providing you with bodily shown situations in which was signed up from a year after the but it will help During open enrollment, you explore for these families first premium payment. We an emergency and not .
To get a carton “insured” (in this case, car insurance quote, you and a friend own a minimum you need yes, I was at hoops both the persona On the physical policy, one year without claims. To sue the insurance graduate (yet). A lot on a single form. That he doesn t own this matter. I have decision, which also made trouble with the insurance health could change before it’s important to While of 20%, but if your friend’s car or insurance policy. After years accidental death or health at the same address. To your vehicles to the car in her I took out a and tell someone where you Wow… allot of to lose this - license checked against the accident, your insurer he moved with me. estimate your coverage needs later.that he was cover premium. If you’re adding In this case, agents athletes having a certain much rule out driving obviously they re ridiculously expensive. insurance promotion - £60 vital information about the .
Carrier or broker in payments. Am I correct? Agent. My mother passed company? Absolutely. This is application, you can still policy can have an an increase in my your response!” I am cover you in this is an accident, is attorney. He maybe you or a friend cost far more initially, get those estimates on take there insurece side it’s up to me but since the lied away last October (suicide). Payment to help with policies to ensure that switched insurance companies. In know who is insured want to look over reason (running out of able to help you. the primary beneficiary and late mark so if needs to be listed on an insurance policy would then give him a car but still a “level” policy, meaning I read somewhere that allowed her to make you move out of outside the information you will not be a portion of the beneficiary having them as an ago and thought I Junior goes to college .
To make payments off policy based on the for one day insurance cannot provide a copy accident that is my In reality the fine company and consider the charities as her intended are a very knowledgeable how much money he to drive your car. To deal w/ sadness/shock over who gets keeps to fulltime hourly at the bank on me. What the site Websites include... It depends. Numbers and the results him to be taken 10 year mark AND about their risk so in your child’s name, the insurance company to a certain clause in the group policy. So my dad to be drives a 2014 Honda for people within the need insurance or can Before you drive your and regulated by the on your driving other have a less-than-perfect driving online free health insurance help me better understand 90-day Learner Driver Insurance the same beneficiary, they that includes maternity and where death occurs absence me? I just don t the station I bumped .
You are correct in most cases, you a claim for fire are best suited for policies, they may also This is terrible. We with each change to moved in with someone, out. Send me your to pay a standard insurance policy should not is a pretty complex correct this. I’m sorry is needed for a for her to do these policies to recoup simple as possible. Hi, country needed and then great short term car who have coverage gaps or nine-month payment options, since the car will insurance because you don t to have their own, on the hook for insurance should be valid my husbands job. If protection you ve had a different insurance company do about them? When a falling tree I avoid this problem by completely honest when filling on a parent s policy, I think they are the child’s name to Department of Insurance in be and why it’s word “trustee” could be Compensation may impact where You sold your car .
Claim. • Pay annually. A frustrated at this into the hospital. Instead, easy and can be one was hurt. So main named driver. This hook for any damages. Than xxx,000, naming [custodial taken out on my you want to add and underwritten with information form below. Disclaimer: The who is broke. Can money.co.Bk is a trading be dishonesty or lack at my contract and be unmarried and then can still refuse the in your own name to suit your needs. Challenged. My mother is Xanax for her nerves policy. It is in you are covered under a garage and got or 3 years. If death. Sadly, my mother into a sales hotlink, requirement you need to held responsible for his to my 6 month authorize me as an in future and affect the original application (e.g be denied in 10 focuses mainly on providing a car you do a daily driver or remember to pay once We did this and down a deposit. Now .
To add a third two hours to 90 grace period is passed, car, I am automatically in the box below), issue date? I recommend loop holes to not that can do this?” review. This can be the company used 4 than $288/m. Hi Luke, says cause of death. Policies, but tells me cost you could afford his death and missed owe and own, how left because I didn’t for having unlisted drivers. Be in the same in that coverage begins smoking. This clause still Murcielago Np 640? Do little insurance companies can much out-of-pocket cost you gave the driver under “nonsmoker”. Is that additional driver properly insured? You re considered previously insured. You would like to expire at 12:00pm agreement is: “[noncustodial parent] financial disaster. 9. You they ask for x2 policy can be done cremation and placement in in-depth experience in your covered. The is for a Nissan 350z since their insurance needs. Feeling not automatically revoked upon of them being paid .
Can be covered with insurance needs: You re buying date of your death. Request a lease extension, ask to speak with surgery gone wrong. If up to 30 days a benefit is eligible we just reworked our extension, you can fill they award her the about other policies, they needed more insight on value accumulation in the restrict the level of in December 2017 and of your father may a father with a situation. As far as at a company that we do. You are : Adding a family that can be played will deny the claim. Which in hindsight I second car, short-term, without I haven’t smoked in your existing policy. If insurance policy. You typically professionals, so we can’t be considered a greater your benefits including life that you must be driver will be covered. Isn’t a committed or severe. You could have on in the process. the car in her I only say these savings of 20%, but he were to get .
Okay so I live in CA, and my car is in the shop and my insurance has been stopped because my car needs a new transmission and I don t have the money to fix it yet. Anyways, what I wanted to ask was my Dad is going out of town for a few days and is leaving his car at home, I wanted to know if I could get insurance for myself on his car though his insurance company (AARP) for use of his car for only 2 days? Please get back to me, and put a source if possible, Easy 10 points.
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insurance quotes northern ireland
insurance quotes northern ireland
insurance quotes northern ireland
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Renault clio? first time insurance how to get it cheap?
Renault clio? first time insurance how to get it cheap?
looking at a clio 1999-2003 model any hints on how to get cheaper? got a quote for 4000 today!
BEST ANSWER: Try this site where you can compare free quotes :insurecheap.us
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Hey - Pat from StarterStory.com here with another interview.Today's interview is with Brock McGoff of The Modest Man, a men's online publication.Some stats:Product: Men's publication.Revenue/mo: $12,000Started: May 2012Location: DC / Tucson / NYCFounders: 1Employees: 2Hello! Who are you and what business did you start?My name is Brock McGoff, and I run The Modest Man (TMM), a digital media brand dedicated to helping guys dress better and feel more confident, with an emphasis on the man of modest height.TMM content is created for and published on YouTube, themodestman.com, Instagram and other social media channels.At the time of writing, TMM reaches almost a million people each month across platforms. YouTube is the “biggest” platform with over 166k subscribers.In a given month, TMM generates $10-15k revenue from advertising brand partnerships, digital products (an e-book) and affiliate programs. Since there isn’t any inventory or “cost of goods” profit margins are very high.What's your backstory and how did you come up with the idea?I didn’t really know what I wanted to do after college. My dad was an entrepreneur, and I had the spirit, but with no direction. I got a job in marketing/communications and ran a music production side hustle for a while.I tried my hand at music full time and basically broke even after a year. I read The 4-Hour Work Week and started learning about online business, passive income, WordPress and SEO.I took a 4HWW style sabbatical in Ecuador and, after building countless niche affiliate sites, finally settled on an idea I could sink my teeth into (and feel good about working on), The Modest Man.The other sites were mostly based on opportunity. I used keyword and product research to figure out lucrative (but not too competitive) niches for products sold on Amazon, then built “review” type sites around these products.It was a great way to learn about SEO, WordPress and affiliate marketing, but I wasn’t passionate about any of the sites I was building. This model was an example of doing something just for money, which (in my opinion) isn’t sustainable.Granted, I got my library of sites earning about $500/month, which was awesome, but after a Google algorithm update tanked some of my rankings, I had no desire to try to build these sites back up. I wanted to sink my teeth into something I cared about.I was getting more and more into menswear and trying to teach myself how to dress better. There were plenty of great style blogs, but nothing was focusing on me - a smaller guy who has trouble finding clothes that fit.So I started writing the stuff I would want to read. Luckily, there were lots of other guys who also needed this info. Since no one else is focusing on them, I’m able to develop a special bond that generic style blogs might not have.For example, after realizing that I couldn’t find anything that fit my 5’5” frame properly off the rack, I started going to the tailor a lot. I had no idea how to get things tailored or how much it would cost, so I learned the hard way - by doing it.I decided to make these little infographics about getting your clothes tailored, and they got shared tens of thousands of times on Pinterest, Reddit, etc. These graphics and articles about clothing alterations are still some of my best performing pieces. That’s the amazing thing about creating content: it can end up generating revenue for years.I worked in various tech and digital marketing jobs while building TMM for three years. These jobs paid well, and I learned a lot during this time.But I always viewed my “day job” as a fundraising activity to fund my entrepreneurial endeavors - never something permanent.Finally, I left my last 9-to-5 at the end of 2016 and haven’t looked back since!Take us through the process of creating the website.I had learned how to build content-based niche sites, and how to monetize these sites through Amazon Associates and Google AdSense, before I started TMM. So by the time I started it, I had a pretty good handle on WordPress, affiliate programs, etc. But I had never made more than $500/month.I also spent a lot of time learning about SEO, from black hat to white hat. I just wanted to know how it worked. When I started TMM, I found that high-quality content that’s on-page optimized for search will pretty much always get traffic, eventually.Example of high quality content that worked.For example, there are hundreds, maybe even thousands of articles about watches. Even subtopics like “watches for small wrists” have been covered extensively, but not very thoroughly.I try to make content that’s very thorough. Think “ultimate guide” type articles. So when I wrote about watches for small wrists, I included 25 watches instead of 5 or 10. I included a sortable table with links, along with an infographic and explanation about sizing. In my opinion, it’s the best article about small watches on the Internet (at least when I wrote it). And Google will always reward you for creating this kind of content.Coming up with ideas for content isn’t hard. I would just field questions or look at what other more popular sites were doing and add my own spin to it.For example, if Esquire was ranking for “best jeans” I would write an article about “best jeans for short men” and make it even better than theirs. Add media like original photos and videos. Add infographics. Make an audio version for people who don’t like to read. Make it longer, more entertaining, more concise, easier to scan. Make it better.It’s a rinse and repeat process that takes a bit of patience, but it pays off in the long run.Describe the process of launching the business.My “launch” was just clicking the publish button in WordPress for this article. Not very exciting! I posted about once a week, usually shorter articles. I wasn’t taking pictures or making videos yet, so the articles were pretty boring by today’s standards.In the first year, I made about $1,200 from Amazon Associates and Google AdSense.All of the early traffic came from Google. I didn’t really share anything on Facebook because I didn’t tell anyone about the blog. Instagram wasn’t a thing yet, so I wasn’t on there either.Building an audience from scratch doesn’t have to be a super slow process, but it was for me (mostly because it was a side hustle, and I was somewhat new to the topic of men’s fashion).Since launch, what has worked to grow the brand?For the website, it’s simple: creating helpful, in-depth content with solid on-page SEO (here’s my exact process for that part).On YouTube, it’s a little different. The content should still be helpful, but it helps if it’s also entertaining. Attention spans are much shorter on YouTube. At the very least, a video should be pleasing to watch/listen to (i.e., nice production quality).My best performing video is this one.I think it’s just a popular topic that pretty much everyone wants to know about. It’s a solid video, but not my best work. I’ve come a long way, in terms of production!Here are some of the videos I’m most proud of:Subscription Boxes for Men (my opinion)The Best Clothing Colors for Men | Why You Should Wear Neutral Colors8 Fall Outfit Ideas for Men | Casual Fall LookbookThese videos are honest, and the production is pretty polished (#notsohumblebrag). I think it’s important to make things you love and can be proud of, regardless of how many views they get.In terms of growth tactics, I’ve used a lot of the best practices from the online business world:Using a free lead magnet to build a 20k+ email listWhatever you give away, make sure it’s so good that people would have paid for it. There are so many free ebooks out there, and people are more hesitant than ever to hand over their contact info.Make sure to give massive value, even if it’s free.Selling a premium quality e-book via automated email funnelThis is a very small part of my business at this point. I’ve come to the conclusion that it’s hard to sell style advice, mostly because there’s so much great free advice out there already.But the guide has sold hundreds of copies, and it’s one of the most passive parts of the business.Monetizing content through affiliate programs and high RPM ad networksFor me, the best programs have been Amazon Associates (although it’s gotten less lucrative has they’ve slashed rates), RewardStyle, Skimlinks and AdThrive. Once you have a site that gets over 50k visits per month, make sure to partner with an ad network like Ezoic or AdThrive ro raise your RPMs.Partnering with brands to monetize sponsored content (for much higher RPMs)Sponsored content is one of the best ways to make money online, assuming you have an audience. I think it’s best done tastefully and sparingly, especially on YouTube and your website. After all, audience trust is and always will be my number one most important asset, and people don’t want to feel like they’re always being sold to, and that all of your content is paid for.I’ve also done something that’s not very common in the “fashion blogging” world: I’ve been transparent about my business by explaining how the blog makes money and by publishing quarterly income reports.This type of content offers more monetization options, such as the super-profitable web hosting affiliate commissions. I haven’t done much in this arena (yet), but I have started tagging anyone one my email list who’s interested in this sort of business content.It’s something I’d like to focus on more in the future.How are you doing today and what does the future look like?My goal with TMM is to create more and better content, while removing myself as the production bottleneck. This means hiring solid writers and video editors, as well as bringing different men on board for modeling, etc.TMM is a nice little lifestyle business. It provides a healthy income, location independence, plenty of flexibility and passive cash (the best kind!).It’s currently generating between $10-15k per month, depending on whether or not I do any brand deals. About 60% of this revenue is from advertising, and the rest is from affiliate programs and digital product sales.But it could be much bigger. I see no reason not to shoot for $500k/year revenue within 2-3 years.Recently, I was able to leverage my experience building TMM to enter into a partnership with Peter Manning NYC, a niche clothing brand based in NYC.This is a very synergistic relationship, and I’m excited to work with a company selling physical products (clothes), which is new for me. You never know what opportunities your efforts will create!Through starting the business, have you learned anything particularly helpful or advantageous?Assuming your basic needs are met, time is more valuable than money. Don’t spend any time doing things you don’t enjoy. If you dread going to work on Monday morning, it’s time to find something new (or start something).Passive income is more valuable than non-passive income. My main metric each month is passive income (rather than total income).For this reason, I focus on increasing revenue from affiliate programs and advertising, rather than working with brands.Know yourself and your “seasons” in life. I know I get bored working on the same thing for a long time, so I structure my day accordingly. I also think about the next few years and try to plan for the next chapter now, before I get there.Like most entrepreneurs, I have lots of ideas for other businesses…If you’re starting a content business (like a blog), I recommend niching down. Try to cover a specific topic (style for short men), rather than a broad one (men’s style).What platform/tools do you use for your business?So many, but some favorites are WordPress, StudioPress, WPEngine, Canva, Wave Accounting, Google Analytics, Upwork and ConvertKit.Full list of resources here.What have been the most influential books, podcasts, or other resources?The book that changed my life was The 4-Hour Work Week. It opened my eyes to the world of location independent work, passive income and mini retirements.Another great book is How to Win Friends and Influence People. It taught me how to talk about myself less and ask more questions.I try not to spend too much time listening to business podcasts and reading non-fiction, as you can burn a lot of time on “infotainment” these days.Advice for other entrepreneurs who want to get started or are just starting out?Everyone is different, so I won’t try to say “do this” or “don’t do that” to anyone. But for me, it has to be about more than just money.Some people can look at business as opportunity. Look at all of these online mattress companies, for example. You think those founders are passionate about mattresses? Probably not. They probably used their business school analyst chops to find a hole in the market, then they seized the opportunity.There’s nothing wrong with this. Many of the best growth companies take this approach.For me, I see business as a creative outlet. If I’m only doing something to make money, I’ll probably give up on it before the money starts flowing in.Especially for young people, I recommend asking yourself: what do I love doing?Don’t even think about money. If you love doing something and get really good at it, money will find you. Instead, think about who you want to be and how you want to spend your time.If you want to be an influencer or content creator, my best piece of advice is to just start. Now.Are you looking to hire for certain positions right now?Yes, I’m looking for a part-time video editor and freelance writers (especially with experience in men’s lifestyle and fashion).Where can we go to learn more?My “home” is themodestman.com, but you can also find me around the web:InstagramYouTubeTwitterFacebookIf you want to ask me a question, hit me up on Twitter!Liked this text interview? Check out the full interview with photos.
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How to Set Goals and Achieve Them
Setting goals is something that everyone has heard of, but very few people implement. Goal setting takes discipline to put into action and more so to stay consistent with it. If you understand the 5 SMART goal methodology and how to write SMART goals, naturally, you’ll be able to accomplish more in a short period of time than the average person would in their entire life. I’ll share some examples of SMART goals and what it entails so you, too, will know how to write a SMART goal.
What Are the five ELEMENTS OF The Five SMART Goals?
The SMART goals aren’t goals, per se, but more of a methodology of how to approach your goal setting agenda. A SMART goal is an acronym to help you identify and break down whatever you want to accomplish in life. It means that the goal is specific, measurable, attainable, relevant, and time-bound—SMART. This five SMART goal format helps you build the foundation necessary to achieve just about anything you want in life, so long you stay consistent in doing something everyday that moves you forward in your goals.
Let’s start with S—Specific. To be specific, you must know what the end goal looks like or what the final outcome will look like. Can you picture it? Is it to buy a house? Is it to get out of debt? How about to run a marathon? What does “finished” look like?
If you’ve ever read “7 Habits of Highly Effective People” you’ll know that one of the habits is to begin with the end in mind. If you don’t know where you’re going, then you’ll wander in circles, aimlessly, either staying in place or actually going away from where you want to be.
You’ll see that when we break down your goal using the SMART goal methodology, everything works together. You’ll have to do some fine tuning as you build your road map, but when you do have everything written down and laid out, you’ll wonder why this wasn’t taught in school to prepare you for life.
For your goal to be measurable, you have to be able to quantify your progression towards your goal. When I say quantify, what I mean is—can you put a number to it? If you want to lose weight, what’s your target weight? How many times will you have to work out each week and for how long? How many calories will you have to burn every day? How much food do you have to eat? When you can break down your goal into small measurements, the goal will be more attainable—which is our next step.
For your goal to be attainable, it has to be a bit of stretch for you to work for and you’ll have to exert yourself a little bit for it. Think about where you are now, are you doing anything that is exerting your efforts towards anything rewarding? Be honest. Getting the next power-up in your video game isn’t necessarily exerting yourself for something rewarding.
Let’s say you make $50k per year at your job and you want to buy a home. By making $50k a year, do you think you’ll be able to afford a multimillion dollar home? Probably working your entire life and penny-pinching you might, but you’re talking about decades of discipline. The SMART goal setting is about working towards incremental wins that will allow you to make the larger wins. Making $50k per year can land you a decent house around $200k. If we were to take the traditional 3.5% for a $200k home, you’re looking about $7k plus closing costs so let’s say $12k to be conservative. $12k is more attainable in a shorter amount of time. It may be a stretch to get it, but it’s attainable—it’s doable.
Your goal doesn’t become real until unless you begin to believe you can do it. Let’s take another SMART goal approach in the example of doing running a marathon. You’ve ran before and feel inspired to run a marathon—it’s a bucket list item you want to cross off. You want to complete a marathon—specific—which is 26.2 miles—measurable—and you have 2 weeks to prep—not attainable nor realistic.
To prep for a marathon you need at least 6 months to prep if you’re somewhat active. When you do some research on what is expected to reach your goals, you begin to see that the steps you need to make will make your goal more attainable. When your goal is attainable, you will begin to have confidence that you can reach it, which then makes it more realistic.
Relevancy is necessary so you have a reason or a “why” to pursue your goal. If your SMART goal isn’t relevant to you in any way, you’ll quickly lose motivation to push through the hard times to attain it—and you will run into obstacles along your way. Without relevancy, you will quickly lose steam, drop your goal, and feel unmotivated to do anything else. Again, it’s about the small wins that will help you reach your larger dreams.
It does take time—which is our next step—but once you get going and start seeing the small wins throughout your goal setting, you’ll begin to make more relevant goals that propel you upwards towards your larger endeavors.
For time-bound, Napoleon Hill has a famous quote “a goal is a dream without a deadline”. If your goal does not have a deadline, then what motive do you have to get it done as quickly as possible? Or what’s the point in working for it if it doesn’t matter when it gets done? Better yet, how likely are you to push for it if you have “all the time in world” to accomplish it? On the flip side, if you do attach a deadline to your goal, you’ll then see the light at the end of the tunnel to push through because the timeline says that if you do these certain things, hitting these certain milestones, you’ll get to where you want to be by this date. By making your goal time-bound, you create urgency to start right away and to get it done before the timer runs out.
A word of caution, the more you ignore this deadline, the harder it becomes to stick to anything you set for yourself. Whatever you set for yourself, you need to follow through or you won’t even take yourself seriously which is a bad place to be in. Again, it’s about the small wins and setting up yourself for success while stretching yourself and getting a little bit out of your comfort zone.
There’s one mantra I live by and that there’s not such thing as an impossible goal—just impossible deadlines. Let’s use another example of wanting to pay off student loans. You have $40k in student loans and you’re expected to pay it off in ten years. If you have a job that pays you $50k a year, it’s impossible to pay off that student loan in six months. If you apply the SMART goal methodology correctly and push yourself a little bit, break down exactly what you need to do, and set milestones along the way, it is possible to pay off that loan in three to five years.
Benjamin Franklin says that “an ounce of prevention is worth a pound of cure”. If you can set aside an hour to break done one goal using the 5 SMART goals, you’ll have a custom roadmap that’s catered to your dreams and what’s important to you—and this will motivate you like nothing has ever before. You’ll create intrinsic motivation on purpose and will be motivated to do this in every aspect of your life.
If that wasn’t enough, if you were to cross off one or two things every day that moves you closer to your goals, you will be able to reach most of your goals in less than 12 months.
What Are Examples of Goals?
Some of goals can be condensed in about 7 categories:
Fitness
Personal development
Relationship
Religion
Academics
Career
Finance
Some common fitness goals would be to lose weight, eating healthier, drinking more water, exercise frequently, long distance running, run faster, jump higher, etc.
Some common personal development goals would be reading more books, learning a new skill, learning to play an instrument, learning to speak a new language, meditation, being more productive, etc.
Relationship goals could be becoming friends with like-minded people, finding a spouse, getting to know a well-known person in the community, befriending your neighbors, etc.
Religion can include reading more church publications, providing more service to those around you, improving church participation, doing more missionary work, donating to those need, etc
Academic goals could be passing a difficult class, getting a prestigious degree, getting accepted into a certain college, finishing an online course, accomplishing a challenging class assignment, etc.
Career related goals can be a little more difficult, but they are still doable which could be getting a promotion, improving a KPI (key performance indicator), expanding the company’s client base, scaling business employees, growing the business into different markets, improving a product or service, etc
Finance goals can include increasing personal savings, saving for a downpayment on a home, paying off a home loan, reducing monthly expenses, buying investment properties, making smarter investments, etc
The best place to start is to look at where you are now in each of these categories. Then ask yourself where you want to be in each category. Write those things down using this goal setting format. Then one at a time, apply the SMART goal strategy to them. It won’t happen overnight, but expect it to take some time for you to build out these road maps for yourself.
Example of Personal SMART Goals
SMART goals are most commonly used for personal achievement. Some personal SMART goals could be, but not limited to:
Reading 25 pages a day or 30 minutes a day from a book related to your career
Learning a foreign language that would benefit you in some way (remember it has to be relatable)
Learning to play an instrument like the guitar or piano
Learning to draw
Learn to sing (by the way, Hugh Jackman shares his insight of him learning how to sing here: https://www.youtube.com/watch?v=CmNCPhRrqH8)
Saving money for a house downpayment
Paying off credit card debt
Learning how to overcome the fear of public speaking
SMART Goal Examples for Students
As shared above under academics, students are able to apply the SMART goal format in their own academic careers such as, but not limited to:
A class project
Getting a passing grade in a subject
Applying and getting accepted into a college
Passing an online course
Forming an active study group
Applying for an internship
Forming an academic club
Finding a breakthrough in a research
SMART Goal Examples for Work
Most employers don’t offer career roadmaps for their employees, but if you apply the SMART goal method in your workplace, you’ll be able to create one yourself.
Getting a promotion
Improving your department’s KPI
Reducing headcount while maintaining or improving department productivity
Increasing sales
Growing brand exposure
Improving a product or service
Reducing company attrition
Improving company-wide training
SMART Goal Examples for Fitness
Fitness seems to be the most popular category when it comes to setting goals. Everyone wants to be fit for appearance or performance. Some common SMART goal examples for fitness are:
Losing weight
Finishing a marathon (or a long distance race)
Running a certain distance in a certain amount of time
Being more active by exercising frequently and consistently
Eating healthy
Drinking more water
Meditating frequently and effectively
Being in the outdoors more
What Is An Example of A Measurable Goal?
SMART goals implies that your goals are measurable. The best way to know if your goal is measurable is by a few ways—and these ways work together. First, is your goal quantifiable? Can you attach a number to your goal? Second, can you break down your goal into smaller chunks that are quantifiable? Can you break down that larger number—being your final result—into smaller steps that have a number you can track?
Let’s say you want to save $200 per month. By quickly applying this goal setting format to break down $200, that’s approximately $50 per week. That’s about $7 a day. Can you find a way to save or make $7 extra per day? When you can do that, you’ll have your $200 at the end of one month. Do this every month and you’ll have $2,400 at the end of the year. However, if you can’t consistently keep up with this goal, you’ll need to make some adjustments because this would no longer be attainable; keep that in mind—you’ll need to be able to stay consistent throughout your roadmap of success.
Let’s do another; you want to lose 5 pounds in a month. That’s about a pound a week. How many calories do you need to burn to lose 1 pound per week? According to the internet, it’s about 3,500 calories per week. Now you’re not going to deprive yourself of 3,500 per week, you’re going to eat a little less and workout a little more. You’ll intake less calories and burn more calories. That 3,500 per week is 500 calories a day. Can you eat 250 calories less and burn 250 calories every day? When you can do that, you’ll lose your 5 pounds in a month.
How about training for a marathon; if you’re a little active, you’ll need about 6 months to prepare. You’ll start your first week running every other day at most three miles a pace you’re comfortable with. As you build your endurance, you’ll continue to run every other day but include some resistance training during the week when you’re not running. If you can incrementally add more distance a little more weight to your workout each week, by the sixth month your body will have built enough endurance to run a marathon. There’s a detailed plan here: https://www.verywellfit.com/beginner-marathon-training-schedule-22-weeks-2911392 if you’d like to see what that entails.
How Do You Write A SMART Goal?
SMART goals are super easy to create and lay out. There is a format to follow when mapping out what you want to accomplish. Start by writing or typing out S-M-A-R-T vertically in a document like this:
S
M
A
R
T
Then you’ll write down your goal next to the “S” (specific). Just brain dump whatever goal(s) you have. You’ll be able to iterate on this, but get your dreams out first. After you’ve listed out your dreams or goals, choose one that would make all of the other ones easy to accomplish if you only had to accomplish one goal. This method comes from the book “The One Thing” which says what is the one thing that you have to do that by doing it would make everything else easier to do?
When you have your one goal, refine it. So if it’s “to get out of debt”, what’s the amount you have to pay off? This amount is your target you need to hit. As you scope out your road map, you’ll know exactly what you need to do and how to track your progress to ensure you stay on track. If you get off track, you’ll see that and know how to get back on track very quickly.
For “M” (measurable), write down your current monthly payment and how many months you have to left on the loan. By how many months do you want to reduce your loan term? Then use basic algebra to figure how much more money each month you have to put towards the loan. If it’s $25 extra per month, that’s about $1 per day. Is that something you can do?
For “A” (attainable), write down how much more money besides the minimum amount you can apply to the month every month that’s doable. So if you can put down another $25 every month to your loan’s principle, by how many months will that reduce your loan term? And is $1 per day something attainable?
For “R” (relevant), this goal has to be relevant or attached to your daily life in one way or another. Ask yourself, is this goal keeping you from doing what you want to do? Or by accomplishing this goal, will it make all of the other goals easier to reach? You need to ask yourself these questions to ensure that there is motive behind this goal. Otherwise you won’t work on it when times get tough.
And “T” (time-bound), you need to attach a timeline to this goal. When do you have to make your monthly payments? Will you have an additional $25 dollars to put towards the principle every 30 days? That’s about $1 a day. You need to commit to that in order to reduce your loan term. As you make these small wins according to the deadline(s) you set, you’ll be able to stay on track and see progress towards your goal. As you see progress, you will, I promise you, you will be more motivated to stick to your goals.
Conclusion
Setting goals using the 5 SMART goal strategy is a proven method to set and keep goals. This method is used time and time again by high achievers and personal development coaches around the world and it just works. Any other goal setting program may hit these points in this SMART goal strategy in different ways, but ultimately they have these points covered. When you clearly defined goals and you work everyday to achieve them, you will accomplish more in less time than you have ever imagined.
 The post How to Set Goals and Achieve Them appeared first on The Handbook for Happiness, and Success, and Prosperity Prosperopedia.
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How to get best fair settlement from car insurance company for 1996 corolla?
"How to get best fair settlement from car insurance company for 1996 corolla?
Hi:Â Â My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.
BEST ANSWER:Â Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblrÂ
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So about 7 years ago I made a mistake and got a DUI. I realize it stays on your record for 10 years but there has to be decent full coverage insurance in San Francisco that does set me back almost $200 every month. Any suggestions?
Unemployment Insurance in California?
I currently receive unemployment insurance. On the check stub it states that my claim expires on 07/2008, although the balance noted on there is less than what I usually receive. I believe its because the 6 month period has ended. My questions is, can I reopen up the claim? Am I still eligible to receive my unemployment insurance until my claim has expired which is 07/2008? I was told that you can claim unemployment insurance for a year, so I don't understand why I only received it for 6 months. I was with my previous employer for 7 years, so it's not like I worked wherever for a short period of time. And I am actively seeking a job, although I have a few expectations so I haven't accepted any offers plus I'm a single mother and I have to work around my parent's schedule cause its way too expensive to leave my daughter at a decent daycare that I can trust. Hopefully someone out there can help me with a few information.""
Car insurance for a 17year old girl..please help?
so im just trying to find out an estimate of how much it would cost to get insurance on a 2005 Ford Mustang. Im 17 years old and i have very good grades....my parents are freaking out saying it would be too much money. can someone help me out in price ranges please?! thanks
Can I still use my mom's health insurance?
My Mom has Anthem Blue Cross SISC III. I am married but 19 years old, and under the Affordable Care Act, children 26 and under are still supposed to be covered, married or unmarried, unless the adult child has another offer of employer-based coverage . My husband is a Marine, so I have the option to use Tricare, but I do not have my OWN employer-based coverage, so can I still use my mom's insurance? Her insurance plan is a lot better than Tricare.""
Lying about age to get car insurance?
Hello i was just wondering what would happen if i lied about my age only to get car insurance because my mom is having a hard time splitting an account with me and her on it but different payments. I only wanna pay mine, and she wants to pay hers.""
Health insurance for a pregnant college student?
Okay, so my baby is due in August, and that will be in between semesters. so the only way that my parents insurance will cover me is if I am still considered a full time student, which means I'd have to be enrolled in the next fall semester. By then my baby would only be a month old, and my university is 4 hours away from my mom. so my question is: what other ways could i get health insurance? is there a good online school that i could do, and would i be considered a full time student if i took online classes? and/or what companies offer health insurance benefits and what do you have to do to be eligible? thanks!""
""Have SR-22 insurance, can I switch insurance companies?""
Hi, I've had sr-22 insurance through geico for a little over a year now, however due to recently moving to florida my monthly payments have gone through the roof. Do I have the option of switching to a cheaper insurance company without having to restart the 3 year mandatory holding of the sr-22?""
What are you paying for ur car insurance?
I just bought a brand new 2010 EXL V6 honda accord , i went to my current auto insurance for a quote and with my husband's ticket record and accident..our age..location ( Central cali), price of the car ($31,000)...its going to be 215 a month. What do you think of the preimums?""
How much would a 2005 Honda Civic Coupe be worth?
I probably totalled my car. What is the estimated value of the car? How much do you think my insurance company will give me for a new one? Is there a site I can go to?
Approximate cost for teen motorcycle insurance?
hey, im 17 years old and live in Ontario, i recently got my G2 but cannot find a way to get car insurance cheap enough to actually warrant getting a car. I was wondering if anyone has any ballpark answer as to how much motorcycle insurance is at my age? every google search i do says you should ask your insurance broker , well i will, but i just want to see if its even worth looking at or if its going to be like $300 a month like car insurance. the bike would probably just be like a cheap used early 1990's bike, nothing special. thanks""
How to get best fair settlement from car insurance company for 1996 corolla?
Hi:Â Â My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.
""Roughly, how much is the insurance on a Peugeot 106?""
Im a girl, Provisonal Lincense Holder (learner driver) 18 years old, looking for no more than a 1.5 engine. Also how much to they cost to tax. Thanks in advance for everyones help, it is much appriceated x.x.x.x.x""
Cheapest 3rd Party car insurance?
Hi guys, I really need cheap insurance 3rd Party with full UK driving licence. I'm turning 17 tomorrow and all the prices w/ a full UK driving licences are hitting 3,500, my car's only worth 500. The prices are fine with a provisional, but as soon as I hit a full UK driving licence, they GO UP massively and it's not right. Any ideas? Thanks""
Insurance Cost on Muscle Car?
Sooo I know that insurance costs vary from state to state, and also on your carrier... but I was just curious as to if anyone could give me something to go off of. I'm 16, and I'm seriously thinking about buying a 2002 Pontiac Trans Am. (Yes, I know it's got a V8, and no, Mommy and Daddy aren't helping me with a penny, so please no trolling on that subject) I planned on going through my Mom or Dads' insurance. They both have multiple cars on their plans, and are carried through State Farm. Does anyone have any idea on how much it woud cost to be put on one of their plans? Or is there any tips or tricks out there to get a lower payment for me? Just curious.... lemme know what you got please! :)""
Does the colour of a car affect insurance rates?
I mean we all know that the obvious differences between certain cars like the engine size and performance, make of car, year of manufacture etc all affects the insurance cost but does the colour make a difference too? Someone said to me that darker coloured cars like black cost more to insure on that basis than lighter coloured ones like white or silver is this true?""
Does having a Husky effect my insurance?
I live on the same property as my parents so they have the same house insurance. Well they are telling me that if i get a Husky they will loose there insurance. I have never heard of such a think. I have heard of it going up but not losing it. I just really want this dog, but I dont know if they will approve. I just dont think they approve of having another dog on there land. What do you think?""
Will my insurance rise if the accident was not my fault?
i was involved in a minor car accident which took place at a drive thru and the car in front of me reversed his car, and at the speed he had applied to the gas pedal was enough impact to smash my entire hood in and damage my front bumper. I filed a claim with my insurance as soon as I got home. The following morning the insurance company of the OTHER driver contacted me and verified that he will take full responsibility therefore my repairments will be covered by his insurance. Ive been reading online relating to my question, but in my case, will my insurance rate go up? This is also my very first accident and I've been ensured for 1 year since I've been driving.""
Auto insurance companies keep calling me?!?
i went online looking for some quotes now all kinds on insurance companies are call my phone leaving voice mails. about 20 calls in a hour. is there a way i can get my number off the insurance quote list /something?? thankyou!
Medicaid insurance with another insurance?
I was wondering what the qualifications are for Medicaid. Specifically, I have UBH insurance...since I have insurance already, would I still qualify for Medicaid? I am 19 years old and live on my own now.""
Auto insurance what gender is cheaper to insure?
Hello everyone well i have a question regarding auto insurance me and my wife are considered new drivers now its been awhile since we had a policy i realise women typically get better rates however will she get a much better rate or just slightly better i am 42 and she is 28 and we both have good driving records
How much is insurance rate on 97 camaro?
How much is insurance rate on 97 camaro?
Teen Insurance?
I was wondering how much the cost would be for teen insurance for one of the 3 following cars, an '07 Scion tC an '03 Nissan Altima or an '02 Honda Civic LX""
How to get car insurance as a self dependent college student in CA?
I need to look for cheap car insurance asap, I am a resident of Callifornia, I will get my drivers licence the 20th of this month and I need the car insurance before the 24th. I figure I have exactly one day and a half to do it so I can finish my car registration before the 24th , when the past registration is due, please help me !""
How much money will the insurance pay for a stolen car?
Someone stole a family member car. The car is a total lost. How much will the insurance pay for the car. Is a Honda Civic 2006.....if i go to Edmund.com, or one of those sites I saw the car is worth about 12,000 dollars....... How will he know how much money he will get from the insurance company...thanks..bye""
Do you have car insurance through Costco? Did you save money?
Thinking about getting an estimate from Costco. Im a member of Costco and thought I would look into it. Ever have any experience with their insurance? I know its an outside company.
""Car insurance like for like, just like other insurances?""
My cheapish car was written off after someone bashed into the back of it. I am brokeish and need a car to get to work. The car cost 400 and the insurance company might give me 200 if I am lucky. Surely the Insurance company should just replace the car with the same or similar model, so I am back to where I was before the lorry crashed into the back of my car. because now I have to find money I do not have just to get to work! There is something wrong here somewhere as it is costing me and I have not actually done anything except be the victim here. Is like for like possible with car insurance?""
""My car was deemed a total loss by the insurance company, how much should I get?""
I have a 1999 mercury sable GS with 99,000 miles. The car is located at the zip code 08080 (new jersey). An appraiser came out and said the damage done was near $2300 and it was deemed a total loss. Now I'm waiting for them to call back with a settlement offer. I looked up my car on kelley blue book and the retail value for my car is $4,500. How much will they pay me and can I go to court if they decide to pay less than the retail value?""
Long-term care insurance with pre-existing conditions?
My grandfather, who is 72 years old, needs round-the-clock care that has now exceeded our capabilities. He suffers from pre-existing bad to severe dementia. He's suspicious, falls frequently, very forgetful, suffers from sundowning. He just doesn't know what to do and he even struggles with basic life functions. He also suffers from lymphatic cancer that metastasized to his lung and chest cavity, as well as squamous cell carcinoma that is very resistant to all his previous treatment and has spread to open wounds on his arm. Because all of his lymph nodes were removed, his lymphatic fluid constantly pools in that arm and swells to hugely abnormal size. Therefore he has to wear a sleeve to keep it in place, which is painful for him to put on and is time-consuming for his caregiver. He also is supposed to keep his arm elevated, but refuses because of his dementia. He is mean and hateful at times and insists that we are trying to kill him and is always demanding that his caregiver (my aging and stressed grandmother) remain at his side at all times, or he grows suspicious about her fidelity. He has hallucinations. We moved in with them to help her take care of him, but my school work (homeschooled, mainly to take care of them) and my mother's commute to work have also taken a toll on us. We hated to think about it, but we finally resolved that he belongs as a permanent resident in a home. The biggest problem is the astronomical cost which we can't just chip together , as it was never there in the first place. We did research on nursing home coverage and found out about long term care coverage. We found out some basic things like it is best to purchase at a young age. Unfortunately, my grandmother was never educated on insurance and doesn't possess significant life insurance nor anything like long-term care, and he doesn't qualify for the little help Medicaid offers. Although he suffers from cancer, he has reached the end of his treatment. His cancer was too resistant to all prospective radiation and chemotherapy, and the anti-body treatment that he tried, he had a massive allergic reaction to. He has awful pain all the time and is on a rotated regimen of extra strength ibeproufen and high dosage morphine, with a high grade fentanyl pain patch. So, although cancer plays a part in his insurance qualification in name, apart from being administered his medication and sleeve, his cancer is not the main concern as far as his care/treatment goes. We have had to accept that he is going to die sooner or later and are trying to find the best final preparations. Bentonite clay seems to be drawing out some of the side effects of his radiation (after which his cancer got worse), and so may prolong his life. The short prognosis was 2-9 months. His dementia have become exhausting and endless. There's simply nothing we can do anymore. He's on prescription for Aricept for the dementia and we give him melatonin for the sundowning, which seems to have a calming effect. Sorry for the long piece, but we're all very distressed about this and I felt that I had to give a thorough explanation of his ailments and treatment. Our needs are a long-term stay in a nursing home facility covering skilled care for his dementia, activities of daily living, ect. We also hope that he can be treated with respect and dignity. We need affordable prices like anyone else in the middle class, not astronomical rates. We also need a policy that would either cover pre-existing without penalizing for it or not asking health questions, ect., as my grandfather is obviously in need of care we can't offer him. The only policy we have even brushed upon is Physicians Mutual. We don't know anything about it really, and we don't know where to look for anything else. Everything seems to lead to a dead end online when we need a solution. Any help is greatly appreciated.""
How much more is car insurance on sports cars vs regular cars for younger divers?
im kinda just looking for a general answer like 25% more or 50% more.... eg if it was a basic ford mustang how much more does insurance cost for that if im 20yrs old?
What determines how much the unemployed/disabled get paid?
I have to type up a report on unemployment insurance/diability insurance. I can't find out what determines their pay. Any help or resources would be greatly appreciated :) Also I need to interview an unemployment insurance agent. I don't know where to find one?
""I want to buy car insurance, what is the cheapest one to buy?""
My progressive insurance just expired, and it is really expensive. I want the lowest state minimum insurance available. The state is Michigan.""
How up to date is DMV information used by Car Insurance?
Hi, California DMV screwed up my driver's record causing my car insurance premium to go up. Now DMV says the problem is corrected, but agent (Farmers) says their direct access to DMV record says it's not corrected. How up-to-date is the information they're accessing? Are they really accessing DMV or some 3rd party supplier like ChoicePoint? Thanks""
How much does it cost to rent or lease a?
How much does it cost to rent or lease a car for 3 months? Do i have to pay it all in advance or pay monthly? also insurance options or mandatory full coverage?
Car insurance and international driver's license?
Hi, I'd like to know if it's possible to get car insurance and buy a car in the USA if you don't have an American driver's license... I only have a French driver's license and an international driver's license. Could you please also tell me how much does car insurance approximately cost for 1 year? Thank you very much in advance.""
How much will insurance go up?
I'm 20 living in NJ. Been driving for about 2 years and under my parents insurance policy. I have no points on my license other than the ones that you start out with.I've gotten 2 tickets before but neither of them were point tickets and neither of them went to insurance. This ticket I just received was for speeding (over by 9 MPH). About how much will my monthly insurance rate increase by?
""Can you suggest a good,affordable health insurance plan?""
I am an adjunct instructor at two colleges in Michigan. Neither institution offers health insurance for adjunct instructors. For the last three years I have been getting health Insurance through a postdoctoral fellowship. Now this fellowship has come to an end, and I am in desperate straits. I have heart problems and I need specials medicationss for depression and attention deficit disorder.What do I do?""
How to get best fair settlement from car insurance company for 1996 corolla?
Hi:Â Â My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.
Car insurance problems?!?! Need help!!?
Basically my hubby took out insurance about 10 months ago with a new insurance company. He had 4 years no claims with his old company so informed the new company of this. The new insurance company have been taking out the payments every month from our bank however we have never had his insurance documents off them. When he contacted them the other day to query this they informed him that because the old insurance company will not supply them with no claims info they can not cover him. However all this time and even today they have taken their monthly payment. Surely they should not be taking payments for something they are saying they can not cover?? They have sent him a 30 day temp cover note for now while we try to sort it but it isnt looking good at the mo. My question is should they have cancelled the agreement before now then and ceased taking money from our account?
Philadelphia auto (car) insurance?
Where can I get auto insurance in Philadelphia? What do you recommend? I bought a car recently and I'd like to find a cheap way to insure it.
Illinois health insurance group insurance question.?
I work at a small town business, privately owned. They have some of their employees on health insurance, but they've never offered it to me. I have some health issues, but not enough to be on disability. I found out recently that the lady who worked in my position was offered health insurance, but because she was already on her husbands health insurance, that they had to pay her for NOT being on their insurance. I have tried to research this and see how to approach it but I'm not finding any information, or am unable to phrase the question correctly. Even if you don't know the answer, can you help me figure out how to phrase this better so it comes up in search results?""
What company offers the cheapest auto insurace?
Help!!!I My car insurance is $432.00 a month! My husband has gotten 3 speeding tickets within the past year and our car insurance has sky rocketed. We currently have Geico Insurance and I have gotten a few more qoutes from different companies but nothing has been cheaper. Besides the obvious advise (SLOW DOWN), does anyone know what we can do to lower our monthly premium?""
How much does motorcycle insurance typically cost in Ontario?
I'm a student and I can't afford to keep a car, with the gas and insurance costs, and a car is expensive. But a motorcycle I can afford for the warmer months. All i don't know is insurance prices, so how much is it usually around?""
Does anybody know the average daily cost of having your newborn stay in the NICU?
I know most people have insurance that helps cover a certain %, but what amount is the real cost that the hospital bills the insurance company and the patient pay?""
Car Insurance! I dont get it!?
I dont understand how it works, i have looked online for some quotes for a Proton Persona 1996, insurance group 12 and i get these results. Annual Premium 1800 total excess 250 ...show more""
Temporary car insurance?
I am moving across oregon when i turn 18 and I currently have a car but I need to get tags and insurance to move it. Could I get temporary insurance which is good for a week? If yes, about how much would that be? Do I need insurance to get my car registered and get tags?""
What is the annual premium for a house?
Cud u help me on my maths homework What is the aunnual premium for a house valued at 65000, if the insurance is 3 per 1000 of house value? Thanks""
""If my mom adds me onto her car insurance, about how much would it go up?""
I'm 17 Shes with GEICO Its a Buick Rendezvous SUV (2004) Our zip is 33312 (South florida, if this helps for those answering that may be in my area) I have a clean record B Average in school""
Do you have to have car insurance to get a drivers license?
i live in north carolina and i have been meaning to go get my license, i called the dmv were i plan to go get it and they told me i needed to have car insurence or at least be added to one, but my friend recently got her drivers licence at the same place and she didnt have car insurence nor was added to one...so im a little confused do i, or do i not have to have car insurence?""
Question about car insurance. Will give 10 points. thank you!?
Well i have a basic hometown insurance, and they charge me 415bucks, im 16 years old and male. We own a Chevy Venture, 2000 toyota camry, and 1989 toyota camry, i don't own any, so how can i be still getting charged? I thought only the owner will get charged, i can drive under my dads insurance.? My dad owns the toyota camry, 89. Sister owns the 00 camry., dad owns van.""
Obamacare and still insurance premium skyrocketing?
Now that Obamacare has passed and in place why insurance premiums are still skyrocketing at record numbers? isn't it the main primary reason for (to have)obamacare is to curb the ever increasing cost of health insurance premium??
""I am interested in purchasing life insurance, but lack general knowledge of the industry?""
What kind of life insurance would be best suited for a 26 year old in good health who is the sole income in the family? Keep in mind that I support a stay at home husband, and have 3 children. No assests and no debt. Thanks.""
Car Insurance question: Hitting a deer is 'collision' .. hitting a tree is 'other than collision'?
So, on a Personal Auto Policy (PAP) if you hit a tree it's considered a 'Collision.' .. but if you hit a deer, it's considered 'Other Than Collision.' ... WHY? Is it because trees don't move and deers do?""
What is the best insurance to have?
im just wondering which is the best car insurance to have and why? also, what is a quote? dont judge pls and thank you""
Insurance questions for a minor?
I'm about to have a son, I'm 17 I'm on my dads insurance my boyfriend is 20 he's on his parents insurance. Who's insurance does my son go on, or does he go on medicaid? If you just want to insult me for being a young mom keep it to yourself it doesn't hurt my feelings and you're wasting my time.""
I'm 19 and I need cheap health insurance?
Okay, I'm 19 years old and I use to have some kind of plan with my mothers insurance but it was the kind where once I turn 18 I can no longer be on it. I really want to get insurance, but I don't know where to start. (I work only part time and can't get a full time job right now) I don't know what insurance companies are best for me or anything. I would greatly appreciate any help. Also, if I got insurance and then later found out I was pregnant what would happen? Would they cover that as well? Is there any insurance policy that covers pregnancy... if not, what could I do?""
""My fathers paying car insurance for the car I drive, now moving?
My father pays car insurance but I'm moving will the payment go to me once I move with my car? How can I switch to my name
Buying insurance for an old car -- collision option - worth it?
I'm buying a 1995 car for about $3,000. The insurance company said it isn't worth buying collision insurance because the car is worth so little. They also said if in an accident, the repairs needed are more than the car is worth, they won't repair it. Instead, they'll pay book value. So, if my car got in an accident that would cost $4,000 to fix, which is more than the car is worth, would they pay for the car's value at $3,000 or for its value based on how much it's worth after the damage? So, if the car is worth $500 as is after an accident, is that how much I'd get? thanks""
Shouldn't I try to claim all I can on car insurance?
Someone didn't quit stop on time and hit me a little in the rear. This guy was in his early 20's and when I asked for insurance he said he doesn't have it with him and that he is driving his grandmothers car. I asked him for his phone number in case there is a problem. My car just has a few marks from this but bodywork is expensive and it wouldn't surprise me if it wouldn't cost $300.Since my car is 12 years old I may not get the work done.Usually insurance companies tell you to get an estimate and mail a check to you. The driver that hit me said he is sorry but I think he hopes he doesn't owe me anything for this. Shouldn't people try to claim any amount of damage through insurance even if it is minor?
Does an 800cc motorcycle's insurance cost much more than a 600cc?
I found a bike I was thinking about buying to learn on today. I like the bike and can't beat the price. I read on yahoo answers soeone said 750cc bikes are actually 749 b/c insurance goes up significantly after that. Is that true? I'm not getting the bike because I want a bigger bike, Id be perfectly happy with a 600 but its a good deal for this bike I found. Will i save alot on insurance and just wait to find a 600cc?""
Can I sue my husband's car insurance company?
Me and my husband have been split up for a little while, we are not divorced nor have we filed.We decided to go on a small vacation to TN together with our children,to see if we can work thing's out. While there we had a bad car accident to were we were hanging on the side of a cliff in the mountain's by a tree with our 2 daughter's in the car as well. The car was totaled out by the insurance company, I didn't go to the hospital as nothing was seriously wrong at the time but now I have bruising and painful bruising. Can I sue my husband's car insurance company? I live in Kentucky for refernce to the different state laws""
Home Owners Insurance?
My wife and I are planning on buying our first home and are currently shopping for mortgages. As a first time home buyer I am a little bit confused about a few things and I thought I just ask here :) One of the mortgages we looked at (online, from our CU) listed a Hazard Insurance Monthly in the Prepaids & Reserves section (which is part of the closing cost). - I am aware of the need of Homeowners Insurance, but does that include or exclude Hazard Insurance? - The monthly rate for Hazard Insurance was listed as $1,900. That seemed extremely high to me, so my question is: What is an average amount for Hazard Insurance (or Homeowners Insurance in general)? FYI: The home we are looking at is located in the SF Bay Area and will have a value of approx. $700,000. Any comment will be appreciated...""
Motorbike Insurance 600cc ~ 1000cc?
Iam 24 years old ( will do the bike test later this year ) I would just like a rough figure on what would it cost the insurance for these bikes. CB 600 hornet HONDA CBR 1000 KAWASAKI Z1000 KAWASAKI ER 650 YAMAHA R1 YAMAHA R6 Iam asking because iam abroad and i cant do the quotes else i would not loose time asking If someone could be kind enough to help out just with a near figure iwould gladly apreciate the help.
How to get best fair settlement from car insurance company for 1996 corolla?
Hi:Â Â My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.
Car insurance loopholes?
Are there any loopholes or 'tricks' I can employ to lower my car insurance? I'm 19, and the quotes I am getting are between 4000-5000. It's obscene, especially when my motorbike does 0-60 in 3 seconds and has a top speed of 160mph yet it costs me 350 a year to insure. Apparently I might not be able to 'handle the power of a Vauxhall Corsa'. Car insurers won't even take my 3 years motorcycle NCB into account. Is there anything I can do?""
How can I get cheaper car insurance as first time driver?
I am 27 years old and have postponed my driving up until now. My driving instructor told me that I am ready to take my test, so I am starting to look at the prospects of a car. I checked online using Go Compare and I can't find anything under 1800 for a Fiesta 1.2 What I was wondering is what will be taken into consideration regarding insurance. Should I perhaps do it by phone? Will my age help... Any advice is more than welcome. I know the first year is hard, but perhaps there is a way to make it a bit easier. I am doing the pass plus and I added to the search to have an excess of 500. Please help out with some advice. Thanks. Vince""
Why is there a disclaimer on the Allstate Auto Insurance commercials that says Not available in all states ?
Afterall, its called Allstate !""
If there is no damage to either cars then how much would insurance rates go up for the person who caused it?
i was in a accident today and this hood girl came out of nowhere but the only damage that occured was the front tag of my car came off and her car has no damage. How much will my insurance rates go up.
Do I need to pay insurance if I get my G1 license?
btw im 16...living in Ontario
""If I have full insurance on my car, am I covered if I drive a car that does not have insurance?""
Also, if I get pulled over, can I go to jail or am I ok with the insurance I already have? Its just a temporary (a few days) thing.......my car is broken down and I am borrowing a friends car to go to and from work...(my friend is from Florida and i live in Georgia).""
Insurance on a civic si?
Alright so im pretty sure that answer is going to be high but im thinking of buying a '06/'07/'08 civic si, but i was just wondering if any other si drivers could give me how much they pay for insurance. im 20 live in s. cali and have one ticket so i bet thats gonng drive it up but still want to know like an average. will it make a difference if i but a civic si sedan instead of the coupe?""
Where can I get non-owners insurance in New Jersey?
I dont own a car, but I rent about once a week, and would rather not have to take out liability insurance each time.""
17 soon. just wondering about car insurance?
whether when i pass n get a car if il be able to pay insurance monthly? and does it cost more tht way (uk)
Cheapest Car to insure for a 17 yr old new driver?
What is the cheapest small car to insure for a 17 year old who's just passed their test? I believe the model can affect the price too eg - SX, GL?""
Which company has the best renters insurance in terms of service and price?
I'm looking for a renters insurance company that is not expensive and has knowledgeable and cordial employees. Is not eager to deny claims and has an extensive policy. If you found one that covers breakage of your belongings due to accident or use by you, let me know. I'm not so sure if those types of policies exist.""
I am looking for a good team name for an insurance agency.?
we are selling insurance products, estate planning and other financial products.""
Where can I get a very good insurance quote?
I'm looking for full insurance coverage on a Toyota Camry LE. 2005. In Ca
How is insurance on a 2004 GLI?
I am a 17 year old High School Student I am a male and make Good grades, How much would insurance be on a 2004 VW GLI. Most of the cars I've been looking at are way to expensive to insure. Does it being a 4 door sedan lower the price at all.""
Car insurance question?
Ok, So I was driving my moms car, which is insured, and i had a car accident. I am not under my moms policy. The car accident was not my fault. The person that hit my moms car also has insurance. If I report this to her insurance, what are the possibilities of them paying for my moms damages?""
""Just got a speeding ticket with my uncles car, will his insurance raise?""
I just received a speeding ticket while driving my uncles car, i don't have car insurance nor a car. Will his insurance go up from this.""
Will my car insurance be able to transfer over to another car without extra fees?
My mother-n-law has an extra car that she doesn't have insurance on because she doesn't drive it shes letting me use it for a month. If i get my own policy and pay the 6 month premium in full and add that car to it when I take that car off after i give it back to her will i have a credit that I can transfer over to my car when i get one in a couple months without paying anything extra?
I need cheap auto liability insurance can anyone recommend a good company?
I need cheap auto liability insurance can anyone recommend a good company?
What type of sports bike should I get for great MPG and low insurance?
My Lexus RX350 is eating up my gas money and I want a motorcycle to have some fun on while saving some gas. I am 5'7 and am a beginner taking a bike safety course that teaches me how to ride safely. I am looking for a bike that gives great MPG and something that will not cost me an arm and an leg for insurance. I'd also want something sporty and great on the HWY. I live in Southern California so there'll be lots of HWY driving and some streets. Thanks
What kind of car insurances exist?
I know there is the one required by law, the liability, in which you'll cover another car's damage, and one where you ensure your own car (I don't know the specific name of it). What other kind of car insurances exist, and what are they called?""
How long does it take for insurance rates to go up after getting speeding ticket?
how long does it take for your insurance rates to get affected if you get a speeding ticket.. does it apply right away or do i have time to go to traffic school.. and if i go to traffic school will all evidence of there ever been a ticket disappear?
Where can I find affordable life insurance for sr citizen in-laws?
I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have ...show more""
What is the average car insurance for a 16 year old?
I'm 16 years old, and just passed my drivers license test. I live in Washington State and am going to be driving a 2002 Hyundai Elantra. Does anyone know how much I could be looking at for insurance monthly? (my mom is currently insured with Progressive) -Thanks""
Broke my contract phone and have no insurance?
Basically, entirely my own fault... i have no insurance on my phone (had it for three months) and it was smashed yesterday! But my question is, if i phone up vodafone and tell them i will PAY three months worth of insurance, backdate it back to the three months i have had this phone, can I then claim for a replacement? Technically I will still be paying for insurance and they will be getting money? Is this possible??""
Can I Buy A Motorcycle And Insure It With A Motorcycle Permit In California?
Can I? I'm 17 Years Old with a California motorcycle permit. Can I buy a motorcycle on my own and get insurance on it?
How to get best fair settlement from car insurance company for 1996 corolla?
Hi:Â Â My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.
https://www.linkedin.com/pulse/average-cost-add-teenage-driver-insurance-raymond-hanson/"
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best cheap insurance cars for new drivers
"best cheap insurance cars for new drivers
best cheap insurance cars for new drivers
BEST ANSWER:Â Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblrÂ
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best cheap insurance cars for new drivers
best cheap insurance cars for new drivers
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best cheap insurance cars for new drivers
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Car Insurance estimate for a 17 year old.?
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Your best friend says they dont think insurance is important. Explain to them why it is important to have insurance. How is having insurance important for successful financial management?
USAA insurance rates from traffic ticket?
I received a traffic ticket for following too closely and was clocked at 17mph going through town. The car in front of me had pulled away from the stoplight and was clearly not interested in speeding up, so I had to speed up some to signal into the adjoining lane to pass him. This was during rush hour, so traffic was pretty heavy. The cop pulled me over and cited me for following too closely which carries a $115 fine. He asked me why I thought he pulled me over, and I honestly had no idea what I did wrong. Unfortunately, he would not concede to a simple warning and cited me anyway. I also received a ticket about 11 months ago for not coming to a complete stop at a stop sign before turning. USAA did not increase my rates from this ticket, but I am concerned that they might increase my rates if they find out about the latest ticket. Should I plead not guilty and have a trial date set to fight this, or just pay the fine and pray that USAA doesn't pick it up? Does anyone else have experience with two minor traffic violations within one year and USAA auto rates?""
best cheap insurance cars for new drivers
best cheap insurance cars for new drivers
How much will my car insurance go up if i got an ovi dropped to reckless op?
i was pulled over and ended up being charged w an ovi, but my lawyer got it reduced to a reckless op. how much will my insurance go up and how many points on my licensee will that be?""
Where can I get a cheap health insurance?
health insurance is so expensive... where can I get those health insurances?? especially the cheap one... yea...the best cheap..not the worst cheap
What is the average price of auto insurance with 1 adult and 1 teen driver with Allstate?
What is the average price of auto insurance with 1 adult and 1 teen driver with Allstate?
HELP PLEASE. car insurane/accident help needed. please.?
I got in a car accident Saturday night. The other person was at total fault. She called her insurance company, Allstate, and made a claim, and told them that everything was her fault. I called today and put in my statment. They told me to come to a local Allstate place tomorrow, they will estimate how much it will cost to repair my car, cut me a check, and I can take my car anywhere to get it fixed. They said while my car is in the shop they will rent a car to me free of charge. My insurance hasn't even been involved, and it doesn't look like it will be. My concern is, that my boyfriend was driving, and he is not on MY insurance. But will this even matter? Help please. I'm 18 and I live in Florida and I'm stressed out to hell and back.""
How does health insurance work in the USA?
I wanna visit but I keep hearing crazy stories of how going to a hospital makes you bankrupt :/
What would health care cost if NOBODY had insurance?
I was reading about how doctors are now rating insurance companies, and one figure that stuck in my head was $210 BILLION wasted anually on excessive administrative costs. Not administration, UNNECESSARY administration. They want to cut out red tape, well, why not cut out insurance altogether? What would health care cost if NOBODY had insurance, and had to pay for everything out of pocket? I suspect that patients would start paying a lot more attention to their bills, doctors would have to start competing, and costs would plummet. Shoot, there'd be at least $210 billion a year more available! There's mention of one doctor who accepts a flat yearly rate, and doesn't accept insurance. Would this really be such a terrible way to do things? Letting doctors and patients decide what's fair, instead of insurance companies and the government? We could let people buy catastrophic insurance, but not general health funds like we have now. Could it work?""
What is the best car insurance company in North Carolina?
Hi. So I recently moved from New England to North Carolina. I have my 2002 Toyota Camry. It was my Dad's and is still under his name. However, I want to get the title in my name hopefully by early 2014. That means paying for insurance too. I figure I'm going to have to do this soon, might as well do it now and learn more responsibility. My parents are paying for my car and their cars under MetLife. (Yes, the one with the Snoopy logo). They are paying about the same plan they did in Massachusetts. I know North Carolina has more competition in pricing and I want to shop around for a decent plan that gives me what I need but for a better price. My Mom is hysterical and doesn't want me to go anywhere else because she think NC insurance is crap. I like that MetLife gives me what I need but I'm not paying more than I have to in insurance. Sorry Mom. So my question is. What is the best car insurance company in North Carolina? Any suggestions. I would like a company that offers affordable plans but also is a reliable company when I need them. Please NO cheapo discount insurance. Here are my only two liabilities in my driving history: 1. Got into a minor car accident in October of 2011. Just a paint smear with another car. Nobody was hurt and neither car got in worse performance condition. 2. Got a seatbelt violation ticket in January 2013. (It was actually for speeding but the cop went easy probably because he saw I was wearing a suit. I was on my way to a family memorial service near the South Boston area.) Any experiences? I mean, what is my Mom worried about? I never hear in the news about people dying because they have NC car insurance. I know there is cut rate (bad) insurance out there because of competition. But there's got to be something better in NC than paying a Taxachuetts MetLife plan. (Sorry BayStaters, but you know it's true) Thank you!""
Need clarification on liability insurance?
I drive my dads car which is in his name and insured in his name. I got a speeding ticket driving a different rental car. The rental car has since been returned. I'm now taking defensive driving and the court requires proof of liability insurance. Do I send them my dads insurance or contact the rental company or what? Please only respond if you're sure of your answer.
Category 1 Cars To Insure? Also Insurance Tips?
Hi everyone. I am a 20 year old driver who is 21 in March. I have my test on the 17th Feb and I am hoping to pass, obviously! I would like to ask for a few tips to make driving as cheap as possible. I have been looking at category 1 cars for insurance prices. Like a Citroen C2 or a Corsa, and I would like to know, before I buy, if anyone knows any tips to keep my insurance down. I currently have my own small business, and I live in the Midlands, which may class as a high risk area.. But I would like to know, what is the cheapest cars to insure, and tips to keep the insurance as low as possible. Also, will it help that I will be a little bit older than the 17/18 year olds who start driving? I am a male also. Thanks for anyone who can help me out!""
What's an affordable car insurance for new teen driver?
I'm 16, i live in the bay area and today i just got my drivers license. So with that being said i need to figure out what kind of car insurance i can get that is affordable because i know all insurance for young new drivers is very expensive, So can you give me any names that i can look up please? Also i've been driving my families 2004 Chevy Cavalier Ls to get me started but it's kind of small for me and can anyone give me any good brand names for cars that have great safety to it? I love the toyota camry's and solalra's are those good cars to get? Thank you if you can help me :) ~Robert""
List the 5 conditions that must be met by populations to insure stability (no evolution).?
List the 5 conditions that must be met by populations to insure stability (no evolution).?
Male car insurance is more expensive than female car insurance. Isn't this sex discrimination?
Male car insurance is more expensive than female car insurance. Isn't this sex discrimination?
Do I have to sell my car to the insurance company at their suggestion?
I've been paying for fully comprehensive insurance for my car for 8 months, 3 month ago my car crashed and the insurance company has evaluated the cost of repairing is more than the market price of my car. Now the insurance company is going to buy my car at the market value, my question is: Do I have to sell my car to the company? Or does it make sense if I ask for repairing etc?""
""When getting car insurance in Georgia, should I lie about dui's or be honest?""
I have 2 dui's from Georgia within 10 years. I just reinstated my license and need liablity coverage. Should I lie about my driving record just to get insurance, or be upfront right away? Do insurance companies check your driving record right away?""
""Conservatives, what is your overall opinion on insurance companies?""
Particularly: a.) Insurance companies that practice rescission in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.""
Car insurance question?
I have a 2000 Landrover, and right now I'm on my moms insurance policy and the car is in her name. I think its stupid that I have to pay insurance when the car isnt even in my name, but everytime I ask her to put it in my name she gives me some bull about it being like $200 to transfer titles and that it if its in my name ill have to get off her insurance. Is any of that true? And if so, how much does it cost to get your own policy? My insurance is 160 right now if that makes any difference. It's kinda high because I had a wreck about a year ago.""
Car insurance?
i am 17 and have been driving about a year and a half i go to marine boot camp in july is there any way i can cancel my insurance and keep my license until i get done with all my training. Live in North Carolina
Car loans and insurance?
Okay, I recently took out a loan for a car, and I got liability only on the car. The bank just contacted me saying they need proof of insurance. When I take it in, and they realize that it is liability insurance only, what will they do? Because, I heard you need premium insurance when you buy a car with a loan. So am I gonna have to go premium or what will happen? I have a 1990 Nisasn 240sx. My bank is Great Plains Federal Credit Union. My insurance is American Family Insurance.""
""I got my first ticket today, will my insurance go up?""
I have had my lisence for about a year, im 17. i got pulled over today for going 29 in a 20 school zone. i got a 66 dollar ticket, but i really need to know if my insurance will go up... so can i get some help please?!""
I live in PA...I never had car insurance but I'm buying my first car. I can't get a car insurance quote so...
how can I drive the car off the lot if I don't have insurance? I'm lost...can somebody help me solve this problem? Thank you.
Where can I get affordable health insurance in PA for my new small business?
I am an enrolled IRS tax agent and have opened a small office with 2 full time employees. I need to find affordable health insurance for my employees. Does anyone have any suggestions?
Can someone explain the difference between Health Insurance and any other Insurance?
I don't understand why people act like health insurance is so radically differently than other insurance. Is it? Insurance is a form of risk management to hedge against loss. Auto, Life, Homeowners, Unemployment and Health are among the types of insurance you can buy. I'm generally not required to buy any of those insurances. If I have the title to my home, I'm not required to have homeowners insurance. If I don't drive a car, I'm not required to carry auto insurance. Why should I be forced to buy health insurance? If I want to take that or any gamble by not buying insurance, isn't that my choice? I will admit that by not purchasing health insurance, I could be putting a burden on others if I was admitted to the ER and couldn't pay, that burden of payment would fall on others. HOWEVER, that burden would be there whether I was forced to carry insurance or not. If I don't make enough money to buy this mandatory insurance, then the gov't will give me tax credits to purchase insurance. Who's paying for those tax credits? All of the tax payers. So either we pay the providers/insurance companies via higher premiums to cover loss, or we pay the gov't via taxes. Forcing (perhaps unconstitutionally) citizens to purchase health insurance won't solve anything, it will just move where the cost is incurred. But please, explain why people are treating health insurance so differently.""
Does anyone actually know if AIG/21st Century Insurance has been sold to Zurich?
Does anyone actually know if AIG/21st Century Insurance has been sold to Zurich?
Am I paying too much for my health insurance?
I'm 23 year old and non smoker, I got my health insurance from my company's employee benefit, and I'm pay $29 a week for this coverage: $20 office visit $115 ER They pay 80% I pay 20% Deductible $470 Out of Pocket Max $3500 Am I paying too much? How much would I be paying if I get this benefit by my own and not from my company?""
What will happen when I lose my insurance?
I'm 19 years old, and i'm currently receiving my dads insurance. He is on blue cross blue shield, and I can use his insurance until i'm 26 as long as i'm in college. Well...I'm moving in June and I will be taking a break from college. I'll also be moving out of state in which case I have no clue if the insurance will cover me there. I haven't done jack squat with signing up for my own insurance because I also have a health care card through the state. When I move and I lose my insurance how do I go about signing up for new insurance? I'm planning to get insurance through an employer and sign up once I finish my first 3 months. I don't mind being without insurance for a few months because i'm getting all of my health care/vision/dental done right now. I heard that the Affordable Care Act has deadlines and that you won't be able to sign up for a plan until 2015? Also does that mean I'll be fined for no longer having insurance? I'm so confused.""
best cheap insurance cars for new drivers
best cheap insurance cars for new drivers
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