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themoneybuff-blog · 6 years ago

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Questions About Checking Accounts, Nintendo Switch, iPods, TSP, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Great advice for job seekers 2. Old hometown checking account 3. Making your own seasoning mixes 4. Inexpensive Nintendo Switch games 5. Partner has extreme debt 6. TSP contribution questions 7. Uses for old iPod? 8. Job search not that simple 9. Value of authenticating sports cards 10. Financial independence and career plans 11. Advice for selling books 12. True hourly discretionary income question I wanted to offer a little update on my switch to a standing desk for professional purposes. About two weeks ago, I moved my main workstation to a standing desk. The purpose for doing this was to significantly reduce the amount of time I spend sitting in a given day, because sitting for your job all the time has some negative long term health consequences. I did recognize that doing this fully cold turkey is a bad idea, and so I planned from the start to do it in stages. My plan was and still is to use the desk until I felt noticeable discomfort, then switch to a laptop in a chair for a while, then maybe alternate back later in the day. My goal was to simply raise my average time at the standing desk a little each week as I strengthen different muscle groups. After a couple of weeks of doing this, Ive found that the big impact has been on my lower back, with a smaller impact on my feet. Im able to work for about four to five hours a day at the standing desk, with other work time spent sitting in a comfortable chair with a laptop. What generally happens is that my lower back starts to get sore, not in a something is broken way but in a this is a muscle thats getting taxed due to exertion and needs a break way. Ill sit down for a while and itll feel much better. However, its constantly experiencing a low-grade soreness, the kind of soreness that happens when you exercise a muscle group. Theres nothing wrong here if I felt something wrong, I would stop using the standing desk for a while. However, it can be a little uncomfortable. Ive had some very minor foot discomfort, mostly on my heels, but nothing significant and it honestly seems to be fading over the last few days. Its hard to tell yet whether or not the standing desk is improving my health in any notable way. I certainly dont think its been bad, but I havent noticed a big health improvement. I do exercise most days, so thats definitely a positive factor, but its hard to extract the benefits of standing with the other benefits of exercise. I think its very likely that there have been some minor benefits, and I likely would have noticed more if I didnt already exercise. Its all about feeling healthy for as long as possible. On with the questions. Q1: Great advice for job seekers I wanted to share some advice from my own experience as an interviewer [in a large corporate HR department]. The big thing is that you shouldnt be hard on yourself if you interview for a job and dont get it. Often, there is already a candidate that is pre-selected and the interview process is a mere formality. Someone thought you were a good candidate and brought you in, but you didnt actually have a real chance at the job no matter how you interviewed. In fact, you should treat all interviews like that. Dont get stressed about them, because theres a good chance that theres already an anointed candidate. I would say that 75-80% of the time, we already have our minds made up regarding which candidate to hire before the interview process begins and interviews virtually never change our minds. Sometimes we will interview someone great and put them on a list of people to call in the future but almost without fail those people already have a job when we call them back. So please dont be hard on yourself if you dont succeed at an interview! And dont get overly stressed about it because theres a good chance that theres already an anointed candidate anyway. Just go in there and answer the questions and learn about the company and let the chips fall where they may. Alison This is great advice, and in line with some of my own hiring experiences in the past. I have been on all sides of this coin at various points. I have been the anointed candidate in a hiring process. I have also been one of the other candidates in a hiring process (where I knew someone else was anointed for an absolute fact). Ive also been involved with several hirings, some of which had strongly preferred candidates and some of which did not. The thing is, you never really know which kind of situation it is when youre interviewing. It may be a more open position where you actually have a good chance, or it may be a situation where you are one of the other candidates in an open process engineered to bring in the vastly preferred candidate with minimal questions. I think the mantra of dont worry about it is the right one here. Just go in there, answer the questions, ask some questions about the company, and move on and keep looking for the next interview or opportunity. If youre the right candidate, theyll call. Often, you wont be, and it wont be due to a fault of your own. Q2: Old hometown checking account I have left a checking account open at my old hometown bank for the last 20 years. It pays a very small interest rate 0.05%. I have a balance of about $1,200 in there. I have always looked at it as a last ditch emergency fund. If anything seriously goes wrong, Ill go there and use that money. But its just sitting there. Isnt there something better I could be doing with it? Dana I dont think theres anything wrong with having a last ditch emergency fund in a bank thats not easy to access. That idea is fine by me. However, its probably just going to sit there for a long time, so you might want to consider doing something with it that earns a better return. The next time youre in your hometown, stop by that bank and see what other options they have. Simply explain that this is an emergency fund for you and you want it in a place where it earns a little more, doesnt lose value, and could be withdrawn in an emergency but isnt likely to be withdrawn. Its very likely that theyll suggest a certificate of deposit, which is akin to a savings account except that it earns a bit higher interest rate and theres a small penalty for withdrawing it early. It wont take very long at all for the CD to earn more than the penalty for early withdrawal and then, after that, its onwards and upwards. Make sure that the bank allows you to automatically roll over the CD when it matures. Right now, with interest rates a bit higher than they were but still fairly low, Id choose a medium term CD, something in the range of one to two years. That will give you a higher interest rate than a short term CD but wont lock you in to these relatively low historical rates forever. Set it to automatically roll over, then forget about it until that last ditch emergency occurs. Q3: Making your own seasoning mixes Have you ever written an article about making your own seasoning mixes instead of buying mixes at the store? You can buy the component spices and mix them yourself and save a lot of money if you use seasonings a lot. I make an Italian seasoning and a chili seasoning and a toast seasoning myself. Margaret Toast seasoning? Youre going to have to send me that one. I have a bagel seasoning mix that I like to use on buttered toast sometimes I wonder if theyre similar. Although Ive mentioned seasoning mixes before and noted how its cheaper to make your own, I dont think Ive ever written a listing of the various spice mixes we have and how we store them. I store most of my spice mixes in large baby food jars that we still have from when our children were babies. I usually make them by mixing other spices by the teaspoon into a bowl and then stirring them thoroughly so theyre mixed, then I fill up the jar with the spice mix. I use masking tape for labeling. Using a mix is a learning experience. Over time, you start figuring out how much to put in stuff. Our chili mix, for example, usually takes a tablespoon and a half per batch, and a batch fills up our slow cooker about halfway. I could write a full post about this if theres interest, including some of my recipes. Just send me a message on Facebook if youd like to see that. Q4: Inexpensive Nintendo Switch games My husband and I bought our son a Nintendo Switch for Christmas. It is his first video game console and he had been asking for it all year so it was really fun to see him open it. Both sets of grandparents got him a game for it so he has had two games to play. His birthday is coming up soon and we asked him what he wanted and of course he wanted a Switch game. We asked him for a list of the ones he wanted and it has 15 or so games on it. The problem is that they are all $50 or more. Why are Switch games so expensive? Our full birthday gift budget for him is $50. Can you help? Anna This is a consistent challenge with Nintendos consoles, and it has been since the 1980s. Nintendo makes very high quality exclusive titles for their consoles those are usually the ones that wind up filling wish lists for console owners but they rarely go down in price until later in the consoles production cycle and the Switch is a pretty young system. Trust me your son isnt being greedy here. Hes probably listing most of the best games for the console, but they all happen to be expensive ones. I would guess that in a year or two, Nintendo will have a line of some of their top titles from a few years prior as Platinum titles for a much lower price point around $20 but were not there yet. So what can you do now? My recommendation is to visit a video game store that sells used games, like Gamestop, and see what they have available for the Switch thats used. Switch games, as you know, come on small cartridges, so its very easy to test a game to make sure it works you can ask them to test it before you buy. Getting a game used in the original packaging will still cost 50% to 75% of the sticker price and the selection may be a bit limited, but this is probably a fairly safe bet for getting one of the games he wants within your price point. A used Switch game is just as good as a new one in terms of someone focused on actually playing the games, so Id look there. Another approach would be to give him a gift card to the Nintendo eShop. There are a lot of very good downloadable titles for the Switch, and you use those gift cards to buy those downloadable titles. While this wouldnt give him any of the games he specifically wants, it would enable him to get a couple of games at least, and there are some very good games for $9.99 or less on the eShop. Q5: Partner has extreme debt I recently discovered that my bride-to-be (June) has about $140K in student loan debt. She had said that she had some student loans in the past but I did not have any idea how much. I am very uncomfortable with being saddled with that much debt. This has caused a great deal of conflict between us over the last few months and I found this out during the holidays. I am not sure what to do. Daniel The biggest factor Id look at is her day to day behavior right now. Is she a frugal person? Does she watch her nickels and dimes? Is she committed not in words but in actions to getting that debt paid off? Is she making extra payments on that debt? If you see that, then I wouldnt fret about it. On the other hand, if she seems to think that such a big debt isnt a big deal, she spends money frivolously all the time, and she isnt making much progress on that debt I would think very, very carefully about this relationship, because thats a value mismatch thats going to chafe for years and years. Beyond that, I would also consider what kind of field that her degree is in. Was the degree she earned in a field with a high income potential, or was it something that will never earn a substantial income? Also, Id look at other factors, like whether or not parental support was promised and then denied. If shes aiming for a high paying career, such as medicine or law or some types of engineering, I wouldnt worry too much about it. If she took out that much debt for a career path that has a very low likelihood of earning a high salary, I would be really concerned. I would also be concerned with that level of debt if there was also significant financial support from her parents where did all of that money go? The challenge with marriage is that you are financially tied to each other in a very deep way and her choices regarding the debt she took out for her education are indicative of the decision making process she will likely employ going forward except now youll be financially liable for them. Having that much debt unless you are both high income earners will significantly affect your life decisions for a very long time, likely for the rest of your life. It will delay your ability to have children that you can support financially, for starters. It will alter both of your career choices and possibilities. It will delay your ability to have a home of your own. I guess, in this situation, what I would really look for are signs of financial maturity beyond that of the student loans. Is she focused on repaying that debt with or without you? Is she making the most of her degree? Does she spend frivolously? I cant answer for you whether this woman is worth it to you. She may be perfect for you in every other way, in which case youll be happier with her. However, having that much student loan debt, and given the alarm bells it sets off in your head, is a sign of likely incompatibility over financial issues, and thats not a recipe for a great marriage. As always, conversation is key, as is paying attention to her actions. What kind of steps is she taking (not just talking about, but taking) in her life knowing that huge debt is sitting there? If youre struggling to answer that and this debt makes you this uncomfortable, this may not be the best situation for you. Q6: TSP contribution questions I am 36 years old, single, no children, no plans to ever marry. I just got a government job that I hope to keep for the rest of my life. Knowing that I am receiving FERS and Social Security already in retirement, how much should I contribute to my TSP to be able to have a comfortable retirement?Want to retire at 65 and have about the same amount of disposable income when I retire. Janine For those unfamiliar, FERS is the pension plan for US federal government employees. TSP is an optional 401(k)-like plan for additional retirement savings. Based on this, FERS should provide about 33% of your final salary when you retire. Social Security, depending on your income level, will provide somewhere around 30% of your income. That means you need to make up about 37% of your income from TSP. If you contribute 5% of your salary to TSP, the federal government matches another 4%. Above that, theres no matching. Given all of that information, I ran some back of the envelope calculations and conclude that given your age and your aim to retire at age 65 with your full salary intact from your various retirement sources and that you want to be able to draw from TSP for the rest of your life, you should contribute 15% of your salary to TSP. This should enable you to withdraw enough from TSP each year to make up your salary shortfall when you retire at age 65 and the TSP balance should last for the rest of your life. Youll want to invest TSP fairly aggressively the target retirement options should work. While I cant guarantee that 15% will get you there, I can certainly say that it is extremely likely that it will either get you there or get you very close to your goal. Q7: Uses for old iPod? Found an old iPod in a desk drawer along with charging cable. Is there any use for this or should I just junk it? I powered it up and it turns on just fine. Adam I dont own an original iPod (I had one way back in the day but I sold it off circa 2007-2008), but a friend of mine keeps one in her car and listens to music with it every day using a cassette tape adapter. You could do the same thing with an auxiliary cable if your car has an AUX port. Just load it up with mp3s of a bunch of music and/or podcasts that you like, keep it in your car, and listen to it during commutes. If you have a charger that hooks into the cigarette lighting receptacle in your car, then you can plug into that and keep it permanently charged. My friend has hundreds of albums that she loved in her teens and twenties. If you like alternative or indie rock from about 1990 to about 2007, theres a good chance youll find a ton to love on her iPod. Just fill yours up to the brim with stuff you like and youll always have something to listen to. You can fill it up with the full archives of a podcast and listen to the entire run of a podcast, too. Old iPods are great for these kinds of things. In other words, use it for what it was intended for. Load it up with audio. Q8: Job search not that simple While I appreciate your regular encouragement to go find a new job if your current one is sapping you, its not always that simple. I have been working as a legacy systems programmer for the same company for 16 years. Most of my day is maintaining old code, migrating it to new machines, and dealing with corporate [nonsense]. I literally hate going into work each day. There arent any available jobs nearby that match my skill set. Trust me, Ive looked. I cant move because my daughter has particular health care needs and needs to be near a top notch medical facility. That also means I need good insurance. I cant just go into work and say, Well, time to find a new job today! Thats just a pipe dream. Terry All right, so what jobs are available in your area that are close to your skill set? Youre obviously in a metro area of some kind. I guarantee there are programming jobs in that area. Whats actually available? What things are most similar to your skillset? Once you know that, start honing your skillset at work so that you can make that leap. Learn how to write tools that will help you with the legacy coding you already do. Start trying to port your legacy code over to a new language for modern systems during your downtime. Use this as an opportunity to learn new languages and paradigms. Get involved with any and all local software development groups. Try to go to their face to face meetings and get heavily involved in any online spaces they have, being as helpful as you possibly can there. Build up some good relationships in your field, then just casually ask about positions that match your refurbished skill set. Also, keep your resume honed on LinkedIn so you can be discovered by people who might be looking for folks in your area. Dont aim for hopelessness. Aim for a light at the end of the tunnel. You can do this at any job. I had a job where I was literally shoveling dirt for hours and hours during the middle of the night by myself and yet I found ways to aim that toward my next step. Q9: Value of authenticating sports cards I have a bunch of sports cards mostly baseball and basketball from the 1960s. I have looked at selling some of them individually but when I look online almost all sales are authenticated cards in a special holder. I looked into this and it looks like you send your cards to an authentication service and pay them a fee and they put them in a special plastic holder with a tag that says its authentic and gives it a grade for its condition. Is this worth it for selling trading cards? Are there ways to sell cards without this kind of service? Marvin You basically described the sports card authentication world pretty well. It exists because there was rampant fraud in older sports cards and other trading cards for a while, so some reputable dealers popped up and started offering authentication and grading services so that people would know exactly what they were buying. Its become the de facto standard for any sports cards of significant value. Basically, if the card is older than about 1975 or so, the player has any name recognition at all, and the card is in reasonably good shape, youre going to make more money selling it after authentication than before, even including the cost of authentication. If its a no-name player or its beat up, youre not going to make a whole lot for it anyway, as people will just want those to help complete sets and they wont sell for more than pennies. What Id do is look for Hall of Fame caliber player cards from your collection (or, as a friend of mine said, Hall of Famers plus Pete Rose) and get those authenticated to sell individually. The rest, Id just divide out by set and sell in bulk. (I have an almost complete 1965 Topps set missing just a few commons that Ive worked on for literally decades, so Im fairly familiar with all of this.) Q10: Financial independence and career plans So how much financial independence would a person need to be able to have full career independence where you still want to have a career but you just feel empowered to make whatever choice seems exciting to you without really worrying about salary but still assuming youre earning a decent salary to live on? I make about $80K and think I can live well on about $40K so my savings rate is about 30% after taxes. How many years would I have to do this before money exits the equation as a career consideration? Barney I think the real question youre asking is how much do I need to save so that retirement is fully covered? This calculator is probably my preferred one. Youll want to play around with different settings to see how long youll need to save to hit your goals. The further you are from retirement, the lower your total savings goal will be. Also, if you assume Social Security benefits will come to you at rates similar to whats available today, the lower your total savings goal will be. You may even be at your target in several years. However, Id still recommend that you save for retirement after you hit your goal number if youre earning a good salary. This allows you to walk away even earlier if you just get tired of the rat race before a typical retirement age. Q11: Advice for selling books I have a collection of hardback books I want to sell. What is the best way to get maximum value for them? Tracy First of all, it depends a lot on what books youre exactly trying to sell. Are they novels? Cookbooks? Old Dungeons and Dragons books? Encyclopedias? Youll want to go to eBay and try to get a sense as to what theyre actually worth. You will probably get the maximum value from them by selling them individually. However, that is exponentially more work for only a fairly modest rate of return. You might be able to sell a lot of ten books for $20 or sell them each individually for $3, for example. Is that extra effort in packaging and shipping and tracking and communication for nine additional packages worth the $10 to you? Another note: if youre selling books, USPS Media Mail is your friend. Its a highly discounted shipping rate that applies to sending books through the mail, and it comes with a tracking number. (Its cheap because its slow and USPS knows a book can sit in a warehouse for a day with zero problems.) You should always use this when shipping books and magazines. Q12: True hourly discretionary income question I understand how this perspective helps to highlight the high cost of non-necessary spending now in terms of lost leisure in the future. But I think it overstates the cost of non-necessities in terms of hours worked. In your example where your annual net wage is $34,000 and your annual work hours is 2,740 (so you net $12.41 per hour worked) and your necessities cost $24,600/year, you should account for 1,982 work hours (= $24,600/$12.41 per hour) as covering necessities, leaving 2,740 1982 = 758 hours for non-necessities. In each of those 758 hours, you net $12.41/hour, and that is the cost of your necessities in terms of hour worked. So a $50 board game costs you $50/$12.41 per hour = 4 hours, not 10.5 hours. The key is to see that you still actually net $12.41/hour, regardless of whether those earnings go to necessities or non-necessities. One way to see this is to realize that the approach in the post can lead to unrealistic implications for the hours of work required to purchase non-necessities. For example, suppose in your example above, necessities are only $10,000 year, and non-necessary spending is then $34,000 $10,000 = $24,000. If your hourly wage for non-necessities is really $4.96/hour like the post says, then it would take $24,000/$4.96 per hour = 4,838 hours to earn that $24,000. But you earned the $34,000 with only 2,740 hours, so something is wrong. Max Max is referring to this article from last week, Using Your True Hourly Discretionary Income to Make Smarter Purchases. Youre just looking at the same issue in a different way. Rather than looking at each hour as being subdivided between essential expenses and non-essential expenses, youre doing the same thing with the total hours over a year. In that example, then, 1,741 of the hours you work essentially earn you nothing in terms of spending money, because all of it goes to essentials. So, frugality in essence just means that youre migrating some of the hours you work from your pool of hours spent on essential expenses to the hours you work for spending money. My angle was different. I divided the income from each hour into essential expenses and spending money. The essential expenses gobble up $7.45 of the $12.41 you earn each hour, while your spending money makes up only $4.96 of the $12.41 you earn each hour. So, then, you judge whether an expense is worth it using just the $4.96, since its the only portion you can actually freely spend. In this case, frugality moves a little bit of money from the $7.45 essential expenses per hour pile to the $4.96 spending money per hour pile. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-checking-accounts-nintendo-switch-ipods-tsp-and-more/

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lucidmelancholy · 6 years ago

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Vanilla

DAY 2 - MOVING OUT

I set alarms before bed last night, so that I wouldn’t over sleep and waste any time at all while I’m here. I woke up a couple times at 8AM, thought it was too early so i fell back asleep. Woke up at about maybe 10AM later, went back to bed, woke up a few times later too but I kept falling back asleep. Finally it is 1PM in the afternoon, I got up to see T putting her makeup on by the window. I said first thing “Why didn’t you wake me up dude!” and we turned our attention to whatever was playing on the TV. It was a Korean film, pretty creepy. It had eery music playing and a girl held hostage. I asked what it was, and plot simply goes “boy and girl was very in love, like any average couple, until revealed he’s a little psychotic and tries to murder her”. She escaped and had to run him over with a car, and had a flashback of all the good times they had together which hit me. I don’t even know why. Then the workers in the construction opposite our building caught my attention. There were 2 guys facing our window, one sitting down and another standing up grooming his hair so it seems. It was super funny at the time. Anyway, the conversation woke up G, i went to the toilet to shower and brush my teeth and we all got ready to head out for the day.

We packed up all our suitcases and left them in the condominium at the mean time while we went to grab some brunch. We walked around the same area we were at last night, and decided that we wanted to have some korean place called Jin Joo if i’m not mistaken. The staffs were very friendly and inviting. We sat down and ordered everything in the spiciness level “hot” and instantly regretted it as soon as all the food came. They were all burning red, and tasted burning hot too. We were unable to finish all our food unfortunately, and struggled to as well. I think it was about 2-2.30pm. T said we could check in at 5pm to our airbnb in Bellagio Towers 2, Fort Bonifacio BGC ayyy haha. We walked around after trying to look for a money changer, T didn’t have money. We couldn’t find any, and had to go back to the condo to get to our condo eventually. We got to our place with her mom and aunt. They checked in with us cause they wanted to have a look at the place too. It was floor 4 I think, or 14, i can’t remember anymore, but it was 14J. Under this dude Gerald. We walked in, immediately in awe of the place. It was definitely big enough for the three of us. We each looked around and gathered our own little spot to put our suitcases. It had this amazing view of the BGC and Makati, and a golfcourse in between, next to it was this comfy couch and some blankets. It was always too cold because its facing an air conditioner. A television on the wall, underneath was the wifi which we had quickly connected to as soon as we got in there. On the left of the tv, was the toilet, and next to the toilet was the kitchen, and between it all was a simple white table. I remember how squeaky the stairs to the bedroom are, it was a cute queen sized bed, with a closet and a foldable couch that could be an extra bed, and next to it the ac and the mirror. It ceilings were a little low, but thats understandable. And a little corner by the middle of the staircase which was a nice window, that i wanted to take cool silhoutte photos at but i never got to the point. I did try, but it didn’t turn out the way I want it to look like. Anyway, it’s the evening at this point and I think it took us quite some time, because all the sudden it was 8.30pm. I either can’t remember what we did in between, or travelling and moving really just took all that time from Eastwood to BGC. So its 8.30pm and we were still wondering when are we going to lose her mom and aunt because we can’t wait to have all the time to ourselves and really start this holiday. We tried to brush them off by saying that we are going off to SM Aura, to shop even though we’re aware that the mall closes at about 9pm? But we were just desperate to go buy some clothes for our night out (which her mom knows nothing of). We argued about whether to use a grab or we could walk. And for some reason we wanted to save up, and T was talking about how she had walked there before on foot and that it wasn’t too far away. So we were convinced. There was this park in the middle of the city where there were a group of people excercising, running and just working out to music. It was pretty cool to see. Kind of like SG. As we were almost there, just 2-3 blocks away it started pouring, and we had to take shelter in a random building. We sprinted towards it, while T’s mom and her aunt followed up with their umbrella. I said to T that her mom told us she was in a girl’s scout so she is always prepared for every situation, which is true. I laughed. Over there we tried to hail a grab, but we had a tough time finding one. That was the point when we started regretting our decision and wished that we had just used a cab instead as T’s mother suggested. I didn’t mind it too much because it’s not like every I get stuck in a situation and a place like that. So i was really just chilling and taking it all in. Although there was a mosquito around I think and I hate that. We waited quite a long time to try and find a cab. G was trying and T’s mom was as well. Next to us was about a group of 4 or 5 people taking shelter as well from the rain as they were practicing self defence skills I suppose. It was cool I guess, kept us entertained for a while. I remember just strolling around the area, there was this guy sprinting even though it was raining a little, it didn’t stop him from doing his thing. Across the street were 2 police men just watching the traffic I suppose. I remember also how heavy the rain got that it devoured the skyscrapers. It was almost misty too, we couldn’t see the buildings anymore from the rain. It was cool. I even said “look its manila rain, this is what it looks and feels like when it rains here in manila” haha I’m so silly.

We were contemplating on just walking under the rain. But then the taxi said that he was here, apparently he was across us over the park, so we had to make a run for it quick. Eventually we got to the mall, and it was quite stressful because I couldn’t find anything fitting in forever 21 and topshop either. And if im not mistaken i think her mom had given me $2000p to go shopping? T split up with us because she wanted to go to a hair salon, so she told us to go shop for whatever we needed and could meet up after. G and I got to topshop first, i thought that I had experienced being followed so closely in a store before, but I was wrong, it was way worse in the topshop in manila that night, they were literally right beside us the whole time, and every time that i touch something, they rearrange it like in 3 seconds. I tried on a couple clothing but I wasn’t really into any of them. I bought a top, and as i was paying I told G that we had to go find a money changer. Apparently it was downstairs where the department store is, and that we had to hurry because it would close soon and we needed more money for tonight. After gil paid we left to the money changer and got a few $$ changed. I think we went to F21 after to try and find something, but eventually I didn’t and they started closing the store up. I was quite upset that we didn’t find anything but we decided to just share each others clothes and see what we come up with.

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yourcertainstudentlight-blog · 7 years ago

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"condo insurance quote geico

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How do I get a quote from the insurance company exactly? I guess I just call them up... but what sort of things will I need to be able to tell them?

Having a hard time to find affordable health insurance?

I just need a simple surgery on both my ears. About a year ago I developed a keloid on both ears. I know they can get bigger so I want to get it fixed before it looks like a grape behind my ear. My biggest problem is in finding affordable health insurance. Can anyone tell me a good site to go to for affordable health insurance? All answers would be greatly appreciated.

Car accident without insurance but not at fault?

car accident without insurance but not at fault car parked in driveway and other car swerved into drive way and hit my car can I sue them , there was a witness, and a police ...show more""

""Why in California, mortage lenders require fire insuance but not earthquake insurance?""

and why few insurance companies cover earthquakes and if they do, it is with unusally high premiums and co-payments""

Does the Affordable Care Act regulate health care or insurance?

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?

How much should insurance from state farm be?

im 17 and i just got my license 2 months ago. my mom was trying to get me on her insurance, not my own. state farm said that its 2000 a year but i had drivers ed so thats lowers it to 1600. shouldnt it be lower though? shouldnt it only be 1600 if i was getting my own insurance. my mom is only adding me as a driver.""

If men have to pay more for car insurance then why aren't women paying more for health insurance?

You can use the same exact argument they use against men to increase their car insurance. http://www.jfponline.com/purls/Pages.asp?AID=2450 From the departments of Family and Community Medicine (K.D.B., E.J.C.) and Internal Medicine (J.A.R.) University of California, Davis, School of Medicine, Sacramento; and the Division of Statistics (R.A.) and the Department of Economics (L.J.H.), University of California, Davis, Davis. Reprint requests should be addressed to Klea D. Bertakis, MD, MPH, Department of Family and Community Medicine, 4860 Y Street, Suite 2300, Sacramento, CA 95817. E-mail: [email protected]. BACKGROUND: Studies have shown that women use more health care services than men. We used important independent variables, such as patient sociodemographics and health status, to investigate gender differences in the use and costs of these services. METHODS: New adult patients (N = 509) were randomly assigned to primary care physicians at a university medical center. Their use of health care services and associated charges were monitored for 1 year of care. Self-reported health status was measured using the Medical Outcomes Study Short Form-36 (SF-36). We controlled for health status, sociodemographic information, and primary care physician specialty in the statistical analyses. RESULTS: Women had significantly lower self-reported health status and lower mean education and income than men. Women had a significantly higher mean number of visits to their primary care clinic and diagnostic services than men. Mean charges for primary care, specialty care, emergency treatment, diagnostic services, and annual total charges were all significantly higher for women than men; however, there were no differences for mean hospitalizations or hospital charges. After controlling for health status, sociodemographics, and clinic assignment, women still had higher medical charges for all categories of charges except hospitalizations. CONCLUSIONS: Women have higher medical care service utilization and higher associated charges than men. Although the appropriateness of these differences was not determined, these findings have implications for health care.""

Would I able to stop my car insurance if the car has not been fully paid?

I bought a car, mazda protege and I'm planning to just store the car in my garage and not drive it for a year. obviously , Im not gonna be using it so its stupid to have an insurance for it. but the car is financed from a bank, I owe the bank a car loan. would the bank care if theres no insurance on the car. help pls.""

""Under Obama's healthcare policy, I can pay for affordable health insurance only when I am sick?ou like to ask?""

Obama said he will make sure Health Insurance companies will offer people with pre-exisiting condition. Right? So... I don't have to pay for Health Insurance now, because I am healthy and plus I can save some money. I can pay for Health Insurance after I hurt myself or get sick. Just pay monthly fee until I am well. Cool... Alright, fine. I guess the Health Insurance companies will have to pay my medical bills.""

How much would a 2004 Mazda Rx8 Liability insurance cost?

I'm a 16 year old male. Turning 17 in two months. Clean driving record. I was wondering how much it would be to insure just liability on a 2004 mazda rx8 or a 2005 Mazda rx8 Shinka? I live in Star, Idaho which is a small town on the outskirts of boise. Would it be better to insure primarily under parents and put me as a secondary driver? I know it's going to be expensive. And i'm prepared for that, but approximately how much per month or per 6 months? I have the money, and a job, and everything. I've researched this vehicle so much you couldn't believe it and its' the car I want. I learned on a ford escape and am comfortable enough to upgrade to this. I just would like to know how much insurance would be? Thanks!""

""Can I buy a car under my name, and put it under my parents insurance policy?""

Ive been looking into purchasing a new vehicle, Im 18 and fresh out of high school and my car is okay, but its just a money pit. I want to put the car under my name to get a better intrest rate, but i cant afford paying expensive insurance policy. So can i purchase the car in my name and put it under my parents insurance policy?""

Does anyone know where I can find individual dental insurance? Not the Dental discount but Insurance.?

I live in Ohio, so obviously it needs to cover us here, I've searched google and there are so many and most are regular health, we have that, we need really good dental with low copays. Primarily one that has pediatric dentists. Thanks for the help!""

Do you have auto insurance?

Is it mandatory for you to have auto insurance?

Health Insurance Company?

What is the best health insurance company in United States?

My daughter sold her car to her boyfriend ( now ex ). She still has him on her insurance and car is still in her name? She lost pink slip?

Best way to deal with this? I thought maybe she should take him off her insurance immediately, but thought maybe not, as car still in her name. To make matters worse, he turned out to be not so nice. Thanks.""

Damaged rental car. How much should I pay?

Hi. I was involved in an at-fault car accident while driving a rental. Here is the rental situation: The rental car was not insured through the independent rental company. My insurance won't cover it either. I was never offered rental insurance and there was no contract signed regarding the car in question. The owner of the rental company has a rent-to-own business as well, and priced the car at $6,000, but is letting me pay just $4,550. According to Blue Book, the car is worth anywhere from $2,100 to $2,900. I'm willing to pay for the car. My question is, do I pay what he is asking or pay what the car is worth according to Kelly Blue Book? If I would have bought the car before the accident I would have never paid $6,000. It was only in fair condition when I got it. Thoughts? Thanks""

Can your car insurance rates go up...?

Can your car insurance rates go up if someone gets tickets in your car and They are not listed as a driver.. .

License/Insurance question?

I have my permit and will be getting my license soon but I wanted to know after getting your driver's license do you automatically have to get insurance, or do you only need to get insurance if you have are driving someone's car.""

How much lower would car insurance be if I started driving at 18 not 17?

Does anyone know how much lower your own policy would be to insure a car if you start at 18 instead of 17?

Is international health insurance worth it?

I'm from the US and will be travelling to SE Asia and wondering if I should buy international health insurance and what company is best. I have no current health insurance and am in great health. Thailand has very affordable medical care which might be affordable paying out of pocket even if something major happened there, but if I had to be flown back to the US for something medical related, I'd surely go bankrupt. Does anyone have any recommendations for international coverage or not?""

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Motorcycle insurance?

Hello. I live in ontario. I am currently interested in getting a motorcycle and undergoing my m1 then thereafter m2 licencing. I am interested in getting a sport type bike (600-750cc). Either being a YAMAHA or Kawasaki. I am 26 years old. Who would be the best to get the insurance from and what regulations are there towards the insurance for motorcycle drivers? THANKS!

Do you add your kids under your car insurance ?

Is it possible to apply for Medical Insurance?

Is it possible to apply for Medical Insurance at any time during the year? Company I work for is offering Blue Shielld Blue Cross I think is too expensive, 306 a monthly for Wife and Me. Looking for affordable insurance, I make 27,000 a year, thanks for your help...""

Can anyone recommend a good homeowner's insurer in Massachusetts? I was just dropped from Electric Insurance.

I would discourage anyone from using Electric Insurance (EI). EI is a small company with a VERY LOW risk threshold. I had EI homeowners and auto insurance for over 18 years. In all that time, I had one claim filed against me for less $2,500 when my 6 lb doggie gave the lawn guy a bite. EI would not renew my homeowners policy and waited 45 days before it expired to tell me. Months earlier, the claims adjuster assured me my policy would not be dropped for such a small claim of this type. Dont take a chance with EI""

Baby not covered on partner's insurance policy?

Alright, here's my situation. I am on my partner's insurance through her job. Well, we are getting ready to start a family and our insurance will cover everything up until right after delivery. Since I am considered a dependent, and I am the one giving birth, the baby will not be covered. So, what I want to know is has anyone else been in this situation and how did you handle it? What is the best way to find individual, affordable, insurance for the baby? And in your experience, what is the average cost you pay? Any suggestions/help is greatly appreciated.""

What would be the cheapest car to buy with good mpg and cheap on insurance?

Why is Car Insurance more expensive in some areas?

My friend moved from Florida to Virginia and his premium went down $120.00 Why is insurance so much more expensive in some zip codes than others?

My insurance is too high?

I'm 19, in ireland (south) i pay 300 a month and i just changed address to the next county, my ins. has gone up to 450 a month.. Is there a speed restrictor policy i can get or has any1 my age managed to lower insurance somehow? My engine size is 1.2 also is that too high for my age? Thanx in advance ;)""

I need to find cheap renters insurance in Michigan? Wheres the best place to go?

Question about life insurance?

I have life insurance and went to update my insurance today. In 2003 I became disabled and did not know about the disability clause. Where I don't have to pay the premiums anymore. Can I change my term life to whole life? Will I get back pay from 2003? I want to know this before my agent calls me next week with the answers. Please don't try and sell me insurance for as I won't qualify anyways just the answers please.

""I want my own car insurance, but don't know who to use?""

I had my own insurance when I first started driving, 7 years ago but then for whatever reason I then went on to my mums. Are there any decent insurers out there that wont be so highly priced? My mum currently pays 562.00 ish with me on hers. I have found myself one with her as a name driver for 555.00. Apparently it is cheaper with her on it. She is legally the owner anyway. She has no convictions or anything and has no claims, not sure how many years and has another car she uses. How much should I be expecting to pay? I've been driving for 7 years. Any help would be much appreciated.""

Question about Plan First health insurance in Michigan. Backpay?

I just had a papsmear done about two weeks ago, and I didn't get approved for my Plan First insurance until afterwards. Does anyone know if they provide a backpay program, like they'll cover any procedure done in the last 30-60 days? Also have lab tests from that papsmear that I just got the bill for and have not paid yet. Is that covered? Thanks!""

How much will your insurance go up by if you get a brand new car?

im thinking about getting a Honda civic 2012 and if my insurance is going to rise like by 100-150 $ im not going to get it but i was wondering how much will it rise by if a get a new car i also have been in minor accident and my insurance is about 250 one way and it is with statefarm im a toronto citizen so only in toronto prices

How much is the insurance premium on a motorcycle 125cc?

Male, 18, Passenger car probationary licence suspended once on 2 accounts of speeding Preferably in Quebec, Canada""

Affordable healthcare?

What's the best way to provide affordable healthcare to all our citizens?

Auto insurance in California?

I bought a car in Aug 09. It's under my dads name for cheaper insurance purpose. But I never really got to the insurance part and have been driving w/out it. I just got a letter in the mail from the DMV saying my registration is suspended because I haven't provided financial proof... So I went earlier... and if my dad were to add the car and list me as a 2nd driver on my car, I would pay too much :| So the question here is... if my dad were to add the car and not list me as a 2nd driver, will I be covered? I really don't give a crap if it's fraud or not, just need to know if I will be covered since he will be lending me the car. Only place I really drive it to is work, and I work overnight so there's no cars around! ..and weekends. Plus with gas prices this high I stay below the 1.5k rpm's.""

Homeowners insurance????

Can anyone give me some good companies for homeowners insurance? What do you use? What is the average monthly payment for the policy? I need this info - I will be closing on a house in a few weeks and need to get homeowners insurance. I'd like a cheap policy so my monthly payment will be lower. (I might increase later). Thanks!!!

Does an auto insurance company look at my grid when transferring insurance to a new vehicle?

Disclaimer; Please, I am not looking to have judgement passed on me as I know I made a mistake. In October 2011 I was convicted of DUI. I served my 1 year driving prohibition but left my vehicle insured because my boyfriend was driving me a lot of places. When my insurance renewed the 2 times since the conviction, my rates didn't go up but I am really not too sure why..I am a long term customer of my insurance company and I can only assume that they were made aware of the conviction in my file but maybe it auto renewed so it went un-noticed? Here is my question. If I purchase a new vehicle and transfer my existing insurance policy to it, is it highly likely that my file will be looked at more closely and my rates will sky rocket? Can the ins company retro charge me for the past 2 years in which my rates did not go up? How long until this conviction falls off my driving record and no longer warrants higher than normal insurance charges? Thank you so much.""

Convicted of drunk driving! Cheap car insurance UK?

Anyone know of a company that does fairly cheap car insurance for sum1 who is 23 thanks

Can you buy a car and not buy insurance?

i dont have my liscence yet but i'm thinking about buying a car, and i was wondering if i had to start paying for insurance; i dont have my liscence and wont be driving the car yet? can i just pay insurance when i get my liscence? i live in Connecticut if that matters""

Raising money for individuals with health condition?

I'm just curious about why people ask for donation and fund raising for people with health condition here in Canada. Health care is free that will cover most of the medical ...show more

Added my newborn to my insurance after 30 days?

help ! after i had my new baby things wre so hectic for me. he had jaundice and in and out of doctors.. my toddler had dental promblems . i had post partum issues myself and by the time i called to add baby to insurance it was abt 12 days after the 30 day period . my insurance is united healthcare thru my previous employer that im currently on cobra with.. they denied adding my newborn and said they wll send me a letter so i can appeal but im afraid that wont help . any advice on what i can do .. i cant imagine nt hvng insurance for my baby..especially we just got home from the hospital yestrday bcz he has broncholitus .. so i wl be billed for that . i know i called to add him late but hopeflly there gtta be something i can do. i means its for a child i live california .. any advice on how to handle this

What is an easy and cheap way to get a supra up to around 300-400bhp?

i know it wouldnt be cheap but as cheap as possible..also no more than 400bhp yet as the insurance will be sky high i'm 21...i don't want it to be an absolute monster yet but i want it to be able to keep up if you know what i mean..i have about 10,000..why have you got so much at 21 you ask? my dad died when i was 9 and when i turned 18 i got 45,000,, remember i dont want to spend more than 10,00 but will be willing to go a little over.""

No Insurance means i cant get temporary plates? MTO !!?

i recently recived a car, so i went to switch over the ownership and get temporary plates apparently i need to have insurance to get temp plates, but i do not plan on driving the car, i just need the plates to park it underground...without plates the car will get towed! i called to get an insurance quote..and theyre charging me 600 a month just to leave the car parked up. i only have my g1 so i dont know why theyre assuming i need to drive it...what do i do now. i dont know anyone who will get plates in their name for me !! i dont want all my money to be wasted""

""Compare Car Insurance for mazda 3, Where?

how much would car insurance be for a 2009 mazda 3.

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When does the health insurance bill take effect?

I live in Georgia and was wondering when I need health insurance by

Car insurance rates in florida?

I lent my friend my car in florida and the car broke down he called for assistance and the tow truck hit the car will my car insurance go up i have geico

Insurance pricing difference with different car brands?

Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""

Can a 17 year old hold insurance to more than 1 car?

can they have fully comp insurance on more than 1 car

What does it mean when you take the 6 mos. payment option on a car insurance rate?

Im about to buy a car, and the insurance is $1,500, and the 6 month payment plan with $500 down payment, puts me at $200/mo. Does my insurance end after the 6 mos., or does it end after 1 year? how long is it good for? It's Esurance and Geico that I have been looking into.""

Why would an insurance company deny me coverage for not having central air and heating?

We wanted to switch from the local company we had been insuring our house with because their correspondance has always been very rude and they are very difficult to deal with to USAA who we do all of our banking, brokerage, car & boat insurance through and are very courteous and extremely easy to deal with. We were denied coverage because our home does not have central air or heating. We live in South Central Florida so a heating system would be an absolute waste of money (the wall unit in the Great Room and a space heater in the bedroom are more than sufficient to make the house hospitable in the few welcome days of winter cold enough to warrant their use). My wife and I both cannot stand Air Conditioning and would never use Central A/C other than the one or two times a year we would normally turn on our wall unit when it is too hot to bear and the windows and doors cannot be left open. Houses have existed for Milleniums prior to the invention of Central Climate Control and I am sure home insurance existed atleast a few decades before the invention of air conditioning. Why would not having central climate control be a disqualifying factor in getting home insurance coverage? I highly doubt that not having A/C or heat is going to make our house any more likely to be damaged or destroyed in a hurricane, robbed or flooded. Opening the windows and doors instead of having a HVAC system consistantly running in our house makes us less suseptable to fire.""

Insurance rates for speeding ticket?

I accept all responsibility. I am an idiot for doing this and I should have been paying more attention. I was caught going 50 km/h+ on a highway in Alberta. How much will my insurance rates go up? Will they double? I'm 18 y/o but the car is insured under my father. Also, how will I know when they have gone up? Do they go up after the court date, or does it start the day my ticket was issued?""

Advice on cheap car insurance ? UK?

hello i am a 17 year old who is currently learning to drive and hoping to buy a car afterwards, however insurance is very expensive and am seeking advice on how to get cheap car insurance, E.G. what car to buy, where to look etc.""

Is a volvo s40 60 or 80 a good car for a 16 yr old guy?

i was just wondering i think there cool but do they look gay at all? i just dont want to get it and then have people call me gay afterwards for getting it ( if i do) also are they good cars etc

How Can I Get Cheap Auto Insurance?

im 18 i just got my lisence i have a 93 ford ranger that my dad can put in my name. my parents are seperated. my mom has excellent driving record and good policy. if i get on her policy. can i drive the truck if its in my name ? im not sure im just trying to get auto insurance. and i have no one to help :(

Unemployed pay more for car insurance?

The 'cat is most definately out of the bag' about big insurance companies in the UK who are making a mint from people who find themselves out of a job and renew their car insurance policies and find that their premiums have nearly doubled because of their circumstances. We already know of the money-spinning ideas they already have , ie Young Drivers and Female Drivers...now they are hitting the Redundant Jobless. Are there no lengths that these companies will stoop to make billions from us?""

Does anyone know approximately how much sr22 bond insurance costs for a dui offense?

Is ICBC Prejudiced against young drivers a 120$ a month insurance rate cars?

I am a young drivers just starting out and I drive just like anyone else, I don't consider my actions dangerous why is it though I must pay premium prices if I drive well. These rates only adjust after driving for a longer time. it can be that of statistics ? I know that amount a month for insurance alone is exorbitant and when I ask older drivers some say they pay around 50$ a month. Are there other licensures in BC for licensing for driving a car, perhaps much cheaper than ICBC ?""

Insurance for ninja 250 estimate?

what would insurance be like for a ninja 250? i am 17 and would be on my own insurance and will have my license.

A car insurance company that will take me with many tickets?

I am looking around for the cheapest car insurance in state of NJ and have at least 5 tickets within the last 5 years...what car insurance company will take me for the best premium...thanx

Car insurance and registration question?

Hi, I'm going to get my car registered today. I was wondering if when I go to get the proof of insurance if it will cost anything today for that? It will be 177 a month for insurance, and 303 for the license plate and registration and all that. But I wasn't sure if you get any charges right then and there for insurance?? Thanks. I also live in MA and I'm going with commerce if that helps.""

How can I change my insurance plan in Covered California?

I enrolled in Covered California last December. I just realized that I am not happy with my Kaiser plan. How can I upgrade it? I tried to call but I waited on hold for more than an hour and when I was finally able to speak with a representative, she hung up on me. I plan to stay with Covered California but I want to change/upgrade my plan without being kicked out of the system. I am worried because it is only 4 days to the end of open enrollment.""

What's the best way to approach someone about buying life insurance?

Life Insurance for Children?

My husband wants us to get life insurance for our three kids. It's through Globe Life and is called the young American plan. It's a whole life insurance policy. I'm not ...show more

""Pregnant and no health insurance, what can i do?

Im 6 weeks pregnant and i dont have health insurance. I have a full time job and my husband does also but I cant get health insurance through either company. I know we make too much money for medi-cal but what other insurance company can i contact in California?

Can i get insured on a golf gti as a young driver.?

I have passed my driving test for 5 months now and have been driving my own corsa in that time. Im thinking of getting a VW golf now. Whats peoples opinion on golf gti's on fuel ect and will i get insured. Not too expensive. Ideas?? Else i will just get a normal golf.

""I'm 17 years old, and I'm going under my parents driver's insurance plan soon for driving, how much is it?""

My parents said I can drive now that I got a job, however I will have to go under their plan, and I'll have to pay the insurance. How much will it be? (:IMPORTANT NOTE: I took $1000 driving classes) So I'm guessing that will reduce the cost? Also I live in the state of PA and my parents are on AllState Insurance. So how much will the insurance be every month if I'm under my parents plan? AFTER I TOOK THOSE DRIVING CLASSES! And how long can I stay under my parents driving insurance? When will I NOT BE ABLE TO stay under my parents driving insurance? Or am I always able to stay under their driving insurance if I want to?""

Car insurance / ownership question?

Right now I live with my parents, we have 3 cars and there are 3 drivers. All of the cars are in my parents name. One of the cars is a total beater and was given to me as my own car, but we never bothered changing the ownership over because we didn't think it would live very long. Now, I'm getting married and moving in with my husband. I'd love to take 'my' car with me but to transfer it to my name would cost a fortune in repairs as it wont pass the safety as it is. It's not a bad car, but things like the parking break don't work and the suspension is awful and I know if I take it in to get the safety done they'll give me 7 days to do several thousand dollars of pointless repairs or scrap my car. My question is can I continue to drive this car while it is under my parents name? I will be living at a different adress from them also. I'm currently also under there insurance policy as a registered driver on this car. Can I continue paying the policy to continue to be an insured driver while living at a different address? If anyone's had a similar situation or is in the insurance business please let me know! I'm stressing out about potentially having to junk a car that drives perfectly fine due to politics. I live in Ontario Canada.""

What is the best maternity health insurance in Georgia??

I have insurance through my company, in which I pay half.. My deductible is $2500.00 till January then changes to $2000.00... Im already paying my Doctor $900.00 for a Pre-Delivery fee which will come out of my deductible. Then after that is met I will pay 20% of everthing else... Any advice will be great...""

Can Chevrolet Dealership repair vehicles with insurance?

So someone smashed into my parked vehicle. It is a chevrolet and the insurance is covering it and I can take it to a repair shop of my choice. I was wondering if the chevrolet dealership where I bought the car to can do those repairs? It is axel and bodywork damage. All help will be much appreciated thank you.

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Is globe life a reliable insurance company?

for life insurance

Does your insurance cost increase if you get a ticket but no points on your license?

Best/Cheapest car for 18 year old? (uk)?

hi i am a male 18 year old, university student I passed my test in August 2009. Im looking to get insured on june 1st 2010 Im looking to buy a car which would give me the cheapest insurance possible. Budget for car = 700 budget for insurance = max 1500 a year this is excluding mot and tax ....those can be paid for easily""

What is the best insurance company for young drivers?

Does anyone know of any insurance company which is cheap for young, new drivers? I am 17 and I found an insurance company that costs roughly 2,500 but that is still quiet a bit. Any help will be useful..!!""

Insurance Q???

would my insurance rates go up if i title/register my sons car in his name

Just hit a deer while ago (Questions about insurance)?

While ago a deer ran out in front of me and caused a bit of damage to my 2002 Toyota Camry. Although the damage doesn't appear to be [i]too[/i] bad, (hood and bumper are bent, and the right headlight is a bit out of place though it still works fine, car drives fine) I didn't have my cell phone so I had to drive back home (not very far) from where the incident happen. 1. Will the insurance still pay because I left the scene? (I wasn't speeding, had my headlights on, and our seatbelts) 2. Will my insurance rates go up? (The damage [b][i]can't[/i][/b] be over $2000, so I can just pay that huge bill once, but that higher insurance will haunt me forever) 3. Will this go on my driving record? (The car is still very drivable and neither me nor my passenger were injured in any way). (I did not get a police report, at least not yet)""

How much does your credit rating affect your car insurance premium?

The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you. So, overall, about what percent do folks in the know think that the credit rating matters?""

Where can I find test on life insurance?

I'm thinking of selling life insurance where can I find the best materail for a study guide?

""If you already have insurance on vehicles, does it cost to add another?""

I already have insurance through my parents and I'm thinking about buying a car for myself (I'm 19 and in college, I have a job) Does it cost more to add another car onto their insurance policy?""

Insurance Fraud?

I'm a 17 year old male living in Canada, and I just bought a car. Would it be insurance fraud to insure that car in my moms name, with her as the main driver and me as a casual driver, while she insures her own car with a seperate insurance company, not telling either company she technically owns 2 vehicles? Becuase she just wouldn't drive my car, and my car would be under her name but I would be listed as a casual driver and have much lower rates. If she insured her own car with another company and told them she only owns one car, I could have much lower insurance rates because I would be listed as a casual driver when really I'm the main driver. Is that insurance fraud? Is it legal? I've heard of people doing that...""

Can someone help me shop for health insurance?

I'm looking for health insurance for myself, husband and our 4 yr old daughter. I am a full time student, so we only have one income coming in and its not great but its not too bad. So we are on a budget but we really need insurance!!! Can someone help me shop for a good insurance company? how much will it be a month and what will it cover?""

DO YOU NEED AUTO INSURANCE TO DRIVE YOUR CAR?

I'm planning on getting myself a new car- a 2012 Dodge Challenger RT model. I'm on a tight budget and I only have enough money for a down payment and monthly payments on the Challenger, (if I decide to purchase it). My problem is I don't have enough money for auto insurance and I am not joining with anyone in my family to be placed on auto insurance. I want auto insurance for myself and signed to my name only. Since I do not enough money for auto insurance, can I still get a car without auto insurance? And can I still drive the Dodge Challenger without auto insurance if I decide to purchase the car? Can someone answer this for me? Thank you! I really appreciate it.""

What is the best maternity health insurance in Georgia??

Motorcycle Insurance?

I am looking at a red 2007 Honda Shadow VLX. I'm a 21 year old female, I'm on State Farm with my car, living in Lake Charles, which is probably one of the bigger cities in Southwest Louisiana. Just wondering what average cost might be to insure this bike. Like, minimum or if it's totaled. I only have one speeding ticket from a year ago on my record I believe. Thanks!""

How much would insurance on a 1990 dodge neon ?

I think it might be my first car , && I have to pay for insurance .""

What is the statue regarding insurance rating for minnesota?

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Im 16 so if that changes anything and im from texas and the car is a 2008 Mitsubishi Lancer

What is the best health insurance for the self employed? (and cheapest)?

Cheapest insurance at my age?

I'm currently 16 with a 1990 Toyota Supra Turbo. Cheapest insurance ive looked up was 197$ a month... And that was with proggressive... Alot of the insurance places ive checked all require me to be 18.... Anyone know any cheaper place i could check?

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How do I get insurance for every 6 months? Like do I pay a small amount every month? Is it better to call local insurances from yellow pages or the other like State Farm, progressive etc""

Best motorcycle insurance for me?

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Cheap auto insurance? Where is a good place to get cheap auto insurance?

Where is a good place to get cheap auto insurance? Im a 22 y/o that lives in CA. I need full coverage (liability, collission and comprehensive) on my 2003 Honda Civic. My driving record isnt too bad.""

Question re: insurance premiums and taxes?

I've read that health insurance premiums can be itemized deductions. Any others? What about accident insurance I pay for out of my pocket? I pay for both accident and sickness premiums to the same company and pay for all my policies out of my pocket. Any help is appreciated.

""Looking to buy a car, what kind of cars will raise my insurance?""

Ok, so I'm getting ready to buy a different car and I'm wondering what kind of things will make my insurance go up. I'm 20 years old and right now I'm paying $100 a month, and that is cheap. Any advice?""

Car insurance: why is a quote for an older car model higher than a brand new car?

i'm 18 and about to get a car. if my parents buy it for me, i'll be getting a toyota yaris 2010 2 door hatchback. if i'm purchasing it myself, i'll be buying a used 2000 toyota echo 2 door. i'll be paying the insurance either way, so i got quotes from desjardins for both the cars. for the 2010 toyota yaris, i got 260 a month, while for the 2000 toyota echo, i got 295 a month! why is this?!? the only information i changed was the model of the car! is this an error?""

condo insurance quote geico

https://www.linkedin.com/pulse/i-want-buy-car-insurance-my-own-am-18-years-old-william-riley/"

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classycollectorartisanposts-blog · 7 years ago

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Can you give me a list of car insurance comparison sites please?

"Can you give me a list of car insurance comparison sites please?

http://www.comparethemarket.com/ is a stupid website.. it hasent even got my car in the list of models so i cant get quotes making the site useless :(

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

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Can you give me a list of car insurance comparison sites please?

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A while back my nephew ran into a car that was stopped on a bridge. Both vehicles had liability insurance. They determine that it was my nephew's fault. His insurance paid and now the insurance are trying to get money back. Why?

How much is car insurance?

I am in Delaware. I am starting grad school and I will have very little money. But I am considering getting an old car just to get around and save some time. I'm a 26 year old girl so I know I'm not in the worst catagories. I just want a basic idea of whether or not it will break the bank to consider a car.

""For my situation, what is the best way to minimize my car insurance?

ok the situation is like this. my family has two cars. (maxima and accent) I (21years old) use the accent and my parents use the maxima. All three of us are under the same insurance plan. I might sell the accent and buy a used car and pay monthly(financing). so that means the insurance has to be full coverage right? and not liability. (the maxima and the accent are both fully paid and they are under liability right now) So if I buy a used car what is the best way to minimize the insurance cost?...which is a good insurance company? can I be covered under my dad's name or something? my friend said something like that..but I don't know if there is such a thing. by the way my parents live in massachusetts and i live in NJ. what should i do? (don't tell me not to buy a car)

Mom forgot to list me as a driver on car insurance?

So i've been driving four years , and i'm about to buy a new car as a 20yr old. I call to get a quote, and they tell me i'm not listed as a driver on my mom's insurance. What does this mean?""

I wrecked my motorcycle with no insurance in fl help?

So a year ago i wrecked my motorcycle, crashing into another car. I did not have insurance or a motorcycle Endorsement. I live in fl so im kind of familiar with the not at fault law. However the insurance company from the other party has sent a bill for 9k an request i pay it. Some people are telling me to ignore it an others are telling me to pay. Need help would be thankful. Im trying to be a firefighter paramedic an i do not want this to kill my chances. Thank you""

Help finding very very cheap car insurance please?

i live in florida (miami) is there anyone that can give me a legit site that provides me car insurance for the cheapest price possible? what i mean by legit is no scams or anything, and an address where i can personally go to visit the insurance agency for the papers.""

Must you have insurance if you are a driver in the state of Nevada?

I'm a driver in California, under the age of 21. I don't have a car that I own nor am I put on the other cars that my parents own and don't wish to be on them. If I am not planning on driving any time, do I still need to have insurance because I have a driver's license? If you have an answer, I would appreciate a link as well to look on.""

Do I need to change car insurance?

Right now Im going to school in tampa while my home town is about 2.5/3 hours away. Im currently residing in the dorms on campus but next semester (january) I was going to move into an apartment. I know Ill have to change my drivers license but will I have to change my car insurance policy too? I know one of my classmates did and it went up considerably because of the move to tampa.

Im 19 need health insurance?

Im 19 and I really need affordable health insurance. Neither for my parents can afford to put me on their insurance. Also i have a few preexisting medical conditions that makes it harder for me to find insurance.

What is a receipt of declination of health insurance?

I'm a college student and my school tells me that in order to partake in an internship, I need an error free resume, a completed work experience application, and a copy of my health insurance card or a receipt of declination of health insurance. I don't have health insurance, so what exactly is a receipt of declination? Is it just a letter written by me stating that I don't want health insurance, or whatever? Thank you!""

Car Insurance..6 Points..(read on)?

I got 6 points back in 2009 for speeding with a drink drive ban the same night! I don't need any lectures. I can easily say biggest mistake of my life! I done my time and still paying for it. I done a insurance quote without the 6 points and it was 600, with them it is 1300! (the drink drive ban included in both quotes) It is comming up to the 4 year mark where I can now get them removed from my licence, but I have to still declare it to my insurance even though there not on my licence any more..? (rehabilation offenders act..?) I have changed my ways and I drive very sensibly in low litre cars! Never want a fast car! (I am 23) I just use it for work my annual mileage is around 10k. These 6 points have raised it dramatically! Are there any insurance companies out there where I can only declare it for the 3 or 4 years? Or do I have to even declare it atall insurance companies are asking for 5 years, but they are completely off my licence after 4..I would of thought under the rehabilitation act I served my 4 year sentence now a 3rd party company (the insurer) is asking for 5..? Help on this will be greatly appreciated. Thanks""

Student auto insurance?

I'm currently a college student and would like to purchase my own auto insurance in Ohio (and no longer be included on my parents insurance). Does anyone have any tips on how/where to get good, affordable auto insurance? Are there any companies that you would recommend? Or ones that offer student/good student discounts? Thanks!""

Does car insurance cover vandalism?

My husbands crazy ex wife. Keyed my car, slit my tires, and put something in my gas tank because my car wont start now. Does my insurance cover it? I have full coverage.""

What Health insurance would anyone reccommend?..?

my husband and I are trying to buy health insurance. we want something affordable. What good health insurance would anyone recommend.

Do I need health insurance for cosmetic surgery ?

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

What insurance company do cheap American car insurance for young drivers?

I'm 19 years old and I'm considering getting a 1985 Ford Mustang 5L V8 in England. The question is who is going to insure me at a reasonable price? I'm not looking at using the car everyday, I probably wont put 4k miles on the clock in a year. Please, can anyone help me?""

Insurance after admitting responsibility car crash?

i have admitted responsibility at the scene when i crashed my car into someone elses. i have since found out that it will make my insurance go up horrendously. yikes!! how much is my insurance likely to go up? im worried

How much would it cost for a male teen driver?

How much would it cost for a old 1969 chevy Malibu and to fix it up. And how much would insurance cost for a male teen driver

No insurance and Pregnant in Florida?

Hey everyone.. im 19 and i just found out last night that there is a good chance of me being pregnant. I took two tests last night and they both came out with a faint pink line and a dark pink line. Now i dont have medical insurance, but im a part time student and i work full-time but my job doesnt offer any insurance coverage. Everyone keeps telling me that i need to go to the docot but i dont know what do do next if i dont have insurance. I' m in Orlando Florida so if anyone can help give me advice on what i should do next id realllllyy appreciate it. Thanks!""

What cars are cheap to insure for 17 year old male like myself?

I have my practical in March, crossing fingers I pass so I thought now is an appropriate time to start looking for a car which is cheap to insure.""

Where will give a young male cheap car insurance?

I know that I am statistically more likely to cause an accident than a middle aged person. However. Are there any companies that are good that will insure me on a car of about 200hp for under 1400. If i tell them I have achieved good grades and done pass plus etc as well as the fact I have never claimed on my current insurance could they give me a low quote? Thanks

Insurance for Infiniti G35 Coupe and Sedan ?

I live in California, is there any difference and if there is how much its difference would it be approximately ? I am 20 years old.""

How much will health insurance cost us?

My boyfriend and I are considering moving to the United States, the state of Florida. We have pre-existing conditions, neurological and we are 36 years old. We would like to know how much money we will have to paid monthly for a health insurance that covers costs such as medical visits, exams, prescriptions and dental care.""

Can you give me a list of car insurance comparison sites please?

http://www.comparethemarket.com/ is a stupid website.. it hasent even got my car in the list of models so i cant get quotes making the site useless :(

https://www.linkedin.com/pulse/what-cheapest-auto-insurance-daniel-ramirez/"

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ethelbertpaul444-blog · 7 years ago

Text

California Becomes The First State To Prescribe Food As Medicine

Caren Latney was too weak to do simple household chores. The 51 -year-old had been diagnosed with lung cancer and, as she began management, struggled to stand over her stove long enough to prepare a dinner. She didn’t certainly want to eat, anyway — her intense chemotherapy and radiation left her nauseated and dog-tired. But high-calorie, protein-rich snacks are essential for cancer cases, who face extreme weight loss, according to cancer experts. The American Cancer Society recommends eating with other family members to attain snacks more entertaining, and has suggests for caregivers like specifying six to eight small-minded dinners, drawing smoothies and organizing bland foods to keep nausea at bay. But Latney, single with no family and on a fixed income, had no one available to help her plan food. Protected by both Medicaid and Medicare for her cancer treatment, Latney couldn’t even afford to buy the amount of nutrient required to survive her medication, much less concoct it. Latney’s lack of social and financial support positioned her at risk of being subjected to succumbing from her cancer treatment. Radiation and chemotherapy can cause cases to lose their appetite or suffer from nausea, causing extreme weight loss that can be life-threatening. Her clinic was able to connect her with a neighbourhood nonprofit organization that extradites a complete give of nutrient — three meals and one snack per epoch, each week — to low-income people who are in danger of famine during a serious illness. Eight years later, Latney , now 59, is still receiving the free snacks from MANNA, or the Metropolitan Area Neighborhood Nutrition Alliance in Philadelphia, and the cancer has spread from the lung to the liver. But she ascribes the organization for helping her survive as long as she has. “To be perfectly honest with you, I would not be here” without those extradited snacks, Latney said. Published research into MANNA’s work depicted the banquets had an impact on patient quality of life of canadians — and too major reductions in hospice expenditures, catching the attention of the members of legislators in California. With high rates of nutrient insecurity, chronic illness and Medicaid enrollment, California was looking for a acces to bring down the overall costs of Medi-Cal, the state’s Medicaid program, with efforts that have a proven return on investment. The new pilot program, which officially launched Friday with assistance from regime senator Ben Allen( D) and California assembly members Blanca Rubio( D) and Richard Bloom( D ), stores six nonprofit organizations throughout California that will hand free meals to those who are insured by Medicaid and require a specific diet to assist them to cope their medical condition. Courtesy of Caren Latney Caren Latney , now 59, reads she wouldn’t be here today without the banquet delivery services that are MANNA stipulated. Nutritious, plentiful nutrient represents an outsized persona in helping people removed from major illness or live with a chronic case. In addition to cancer treatment, which requires patients to eat high-calorie banquets, beings with cardiovascular illness may benefit from low-sodium nutrient, while those with type 2 diabetes can better manage their sicknes with banquets that are low in carbohydrate and refined carbohydrates. Across the country, an estimated one in eight Americans — 42 million in total — are food insecure. Not merely does this mean that they may be suffering starvation, but that the kinds of meat they do devour are not nutritious enough to sustain an active, health life. At the same go , paces of chronic disease caused by poverty-stricken nutrition are rising, and the more meat insecure you are, the more likely you are to have chronic diseases like hypertension, coronary myocardial infarction, hepatitis, movement, cancer, asthma, diabetes and arthritis. Despite its importance, menu during an illness can often be an afterthought. Crucially, it is not covered by any medical assurance hope. Instead, parties like Latney have to rely on nonprofits or charity to assist them to fill the nutrition spread, and not all cities have organizations that can help. Organizations like MANNA are sorely requirement throughout the U.S. About one in 10 adults on Medicaid has diagnosed diabetes and more than one in four have some kind of coronary thrombosis. What cases snack can have a major impact on their own health outcomes. But there are only 27 member the organisations of 18 states and Washington , D.C ., in the national Food Is Medicine Coalition, industry associations of nonprofit organizations that cater medically tailor-make food to beings with serious or long-term disabilities. Around the time that Latney began receiving her meals, investigates were also collecting data on how MANNA clients’ medical rates compared to other low-income cases with same medical conditions who did not receive free meals. They found that recipients of these free dinners had average monthly medical overheads “thats been” 55 percentage less than that of Medicaid patients who didn’t get extradited banquets. Hospital admission and duration frequencies were also significantly lower than the switch radical. Most strikingly, people who received banquets from MANNA and have subsequently been hospitalized were 23 percentage more likely to be accomplished back to their dwellings as opposed to a long-term care or reclamation equipment when compared to the dominate radical. Since this small study were launched in 2013, all four companionships that administer Medicaid locally throughout southeastern Pennsylvania have signed agreements with MANNA to deliver specially adapted meals for select patients with diabetes and cancer in an effort to lower nation hospitalization costs. California, where more than a third of its population is covered by Medicaid and one in eight people aren’t sure where their next dinner “re from”, took dismissal . Its brand-new 12 -week Medi-Cal pilot program will extradite peculiarly articulated banquets, as well as in-home trips from a registered dietitian, to 1,000 parties with congestive heart failure — a patient radical that has one of the highest rates of hospital readmissions within 30 days. This three-year program will cost$ 6 million in total, and the money is spread out across six nonprofits throughout California, including Project Angel Food in Los Angeles County. LA Care Health Plan Volunteers ready snacks for bringing at Project Angel Food in Los Angeles. The photo was taken after a press conference on May 4, 2018, announcing the beginning of a pilot program to deliver low-sodium dinners to beings with congestive heart failure in Los Angeles county. Richard Ayoub, CEO of the organisation , notes further that the extremely restraint diet that myocardial infarction patients have to follow would be requesting for people of any income level, let alone people who sometimes have to choose between paying for health care and paying for food. People with coronary thrombosis can have only two grams of sodium — less than one teaspoon — a epoch. Any more will encourage the body to retain water, which increases the magnitude of blood and violences an already weakened stomach to work harder. Managed food would be a cheap, handy hand-picked for these patients, but these products are usually high in sodium. If the Food Is Medicine pilot program succeeds in demonstrating significant cost savings for Medicaid, known in California as Medi-Cal, the ripple effects could be enormous. “We guess food is medicine and that the matter is menu will restrain people out of research hospitals, thus saving Medi-Cal hundred of thousands, if not millions, of dollars, ” alleged Ayoub. If Medi-Cal represents nutrient a health benefit as Ayoub hopes, all federal departments could assess the return on financing and conclude that food should be a national Medicaid benefit. John Baackes, CEO of LA Care Health Plan, one of the public business that administers Medicaid insurance in Los Angeles county, admired California’s pilot project as the speculation the free movement of persons needed to mount a national action for food as a component of health care. He receives the state’s pilot program as one small-minded step in the direction of re-imagining medical care to include social services that affect state, from accommodate to nutrient defence. “We’re very concerned to interpret a programme designed like this to be translated into policy change, ” he read. As researchers and policymakers wait for the data from California’s pilot project to start rolling in, Latney to mention here that no matter what the revert is for the regime, the effect these snacks will have on people struggling to survive will be immeasurable. “They want to have not only a meal, but a meal that’s designed for them to survive, ” she suggested. “I think it’s going to have a very, very big impact.” Download Read more: http :// www.huffingtonpost.com/ enter/ california-food-program-medicaid_us_5af 1ffb7e4b0ab5c3d6adae4 http://dailybuzznetwork.com/index.php/2018/05/28/california-becomes-the-first-state-to-prescribe-food-as-medicine/

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